KR20140035181A - Method for providing financial service using a hybrid atm - Google Patents

Abstract

The present invention relates to a method for providing a financial service using a hybrid ATM. The method for providing the financial service using the hybrid ATM according to the present invention provides the financial service by using the hybrid ATM formed by integrating a customer ATM module and a bank staff ATM module. The purpose of the present invention is to provide the method for providing the financial service, capable of reducing the operation of a bank staff and improving customer satisfaction at the same time by supporting an active financial transaction using the hybrid ATM at a recent small branch operating system. [Reference numerals] (AA) Start; (BB) End; (S100) Provide a financial service menu; (S110) Check customer information; (S120) Provide a financial product menu; (S130) Apply to add an account in a possession cash card?; (S140) Input a cash card; (S150) Agree to use personal information; (S160) Correct/check the personal information; (S170) Provide an input screen by financial service; (S180) Check entire input information; (S190) Set a password; (S200) Process and complete a financial transaction

Description

How to provide financial service using hybrid ATM {Method for providing financial service using a hybrid ATM}

The present invention relates to a method of providing a financial service using a hybrid ATM. More particularly, the present invention provides a financial service using a hybrid ATM including an integrated automated teller machine module and a cashier's financial processor module. ATM provides customers with various financial service menus such as opening a new account, issuing account and card, and internet banking, and sequentially provides various information input screens accompanying financial services selected according to the financial service menu selected by the customer. Only when the necessary information is input from the employee and the employee's business process is required, such as identification confirmation or handwritten signature of the information utilization agreement, the hybrid ATM officer confirms and processes it through the employee's financial processor module. Induce leading financial transactions The present invention relates to a financial service providing method using a hybrid ATM, which can improve the work efficiency of a cashier by increasing the degree of family members and automating a large portion of the cashier's customer-facing tasks.

In general, in order to open and operate a branch of a bank, a specific space must be secured and a safe facility for storing cash therein must be provided, and a terminal for counters, various auxiliary devices, and a communication network for managing and operating them are established. Should be.

In addition, office assistants should be provided to perform various financial services, such as counters, photocopiers, scanners, and coins, and various security equipment for safety and security should be installed.

As described above, in order to open a bank branch, a large space must be secured, and a high cost for installing various equipment and operating a service is disadvantageous. In particular, due to competition with other financial institutions, a particular building or a busy street is chiefly. In opening a branch, there is a problem in that the cost burden for opening a branch as well as preemptive location is significant.

In order to solve these problems, financial automation devices such as ATM (Automated Teller Machine) have been developed in recent years along with the development of IT industry. It is distributed and installed in Korea to provide unmanned financial services to customers regardless of time and space.

Accordingly, the customer can easily handle various financial affairs by using a financial automated machine installed nearby without directly visiting the bank in use.

However, in the above-mentioned unmanned financial teller machine, it is possible to provide general financial transaction services such as cash withdrawal, transfer and inquiry using media such as customer's card or bank account, loan, card issuance, account opening, etc. As such, there is a problem in that financial services requiring consultation or face-to-face confirmation with financial clerks cannot be provided.

Therefore, a typical bank branch is equipped with a corner of the automated teller machine, and at the same time, a plurality of cashier's counters handles financial transactions requiring consultation such as loans, card issuance, account opening, etc. Since the equipment corner and the cashier's counter are provided independently, the customer is forced to wait unilaterally until the counselor's counter is vacated, so that the waiting time of the customer is inevitably longer and accordingly, There are problems such as having to provide a plurality of counters for attendants, and as a result, there is a problem that the overall installation space becomes large.

On the other hand, in order to reduce the cost of opening a branch and to minimize the cost of branch operation by minimizing the manpower associated with the branch operation, the customer's financial automation module and the cashier's financial processor module are integrated. Efforts are being made to establish a small branch for automated processing of customer's financial business by equipped with a hybrid ATM, etc. There needs to be a way to provide services.

The present invention is to provide a financial service method that can reduce the work of the accountants and increase the customer satisfaction by supporting the active financial transactions of the customer by using a hybrid ATM in the recent small branch operating system as described above.

That is, an object of the present invention is to provide a financial service using a hybrid ATM equipped with a customer's automated teller machine module and a cashier's financial processor module integrally, to open a new account, issue a bank account and a card, Provides various financial service menus such as internet banking to customers, and provides various information input screens accompanying the selected financial services according to the financial service menu selected by the customer to receive necessary information from the customer, and to confirm identification or information Only when the employee's business process is required to be accompanied by a handwritten signature of the utilization agreement, the employee of the hybrid ATM can check and process this through the employee's financial processor module to induce the customer's self-directed financial business process to increase customer satisfaction. Automated a lot of customer face-to-face tasks It is to increase the work efficiency of open teller.

In accordance with one aspect of the present invention, there is provided a method for providing a financial service using a hybrid ATM, wherein at least one customer ATM machine module and a cashier bank processor module are integrally formed. Providing a financial service menu selection screen to a customer through a customer display screen provided in the customer financial automation module; Receiving a financial service menu to be provided from a customer; Providing an identification card presentation screen to a customer through the customer display screen; Providing a financial product menu selection screen for the financial product information available to the customer according to the financial service menu selected by the customer; Receiving a financial product menu to be used by the customer; Providing a personal information utilization consent screen to a customer through the customer display screen; Outputting the personal information utilization agreement confirmed by the customer to provide the customer, and receiving the personal information utilization agreement signed by the customer by hand; Receiving a selection by providing a customer with an information input screen for providing a financial service selected according to a financial product menu selected by the customer; Receiving input information from the customer by providing an input information confirmation screen in which the input and selection information of the financial product selected by the customer is arranged through the display screen for the customer; And transmitting input information about the financial product identified by the customer to the financial institution server through the financial processor module for the accountant.

In the method of providing a financial service using a hybrid ATM according to the present invention, in providing a financial service using a hybrid ATM having a customer automated teller machine module and a cashier's financial processor module, a new account is opened through a customer ATM. To provide customers with various financial service menus such as bank account, card issuance, and internet banking, and sequentially provide various information input screens accompanying financial services selected according to the selected financial service menu. At the same time, only when the employee's business process must be accompanied, such as identification confirmation or handwritten signature of information utilization agreement, the employee of the hybrid ATM can check and process the customer's self-directed financial business process through the employee's financial processor module. It has the effect of increasing customer satisfaction.

At the same time, by automating a large portion of customer face-to-face tasks, the customer can reduce unnecessary waiting time, thereby speeding up the customer's financial transactions. It can be effective.

1 is a diagram illustrating a configuration of a hybrid ATM to which a financial service service providing method according to the present invention is applied.
2 to 11 are diagrams for explaining a financial service providing method using a hybrid ATM according to the present invention.
12 is a flowchart illustrating a schematic process of a method for providing a financial service using a hybrid ATM according to an embodiment of the present invention.

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

1 is a diagram illustrating a configuration of a hybrid ATM to which a method for providing a financial service according to the present invention is applied.

As shown in FIG. 1, the hybrid ATM 100 used to provide financial services according to the present invention includes at least one customer automated teller machine module 110 and a cashier's financial processor module 120 as an integrated unit. Are constructed in combination.

As an example, as shown in FIG. 1, a hybrid ATM 100 applied to an embodiment of the present invention includes a pair of customer automated teller machines 110 and a pair of customer automated teller machines. Consists of the financial processor module 120 for the cashier is provided integrally coupled to the (110).

At this time, the customer automated teller machine module 110 and the cashier financial processor module 120 as described above is one to four in one cashier financial processor module 120 according to the production settings of the hybrid ATM (100) Customer automatic teller machine module 110 may be configured in combination, and detailed functional elements mounted on each module can also be variously set, changed.

Here, the customer automated teller machine 110 is provided with the same or similar function as a conventional automated teller machine including a key input unit 111, a banknote withdrawal unit 112, a card reader unit 113, and the like. At this time, the customer automated teller machine module 110 is provided with a customer display 130, the accountant financial processor module 120 is a transaction state that is in progress on the customer display 130 of the hybrid ATM At least one relay display 140 is provided to provide the same image as the customer display 130 so that the officer in charge can check in real time. In addition, the accountant financial processor module may be further provided with a separate financial transaction processing display 141 to support the accountant's financial transaction processing.

Through such a configuration, the customer can check the processing result according to his / her key input and input through the customer display 130, and actively apply for and receive financial services. The accountant display 140 provided on the opposite side of the dragon display 130 is checked, and if necessary, the financial service process applied by the customer is processed using the display 141 for financial transaction processing.

As a result, customers conduct self-directed financial transactions such as cash withdrawals, bank transfers, inquiries and account openings on the customer's display, and the employee checks the transaction status of the customer only when necessary while performing his job. The immediate support of the financial services will reduce waiting times for customers.

That is, in the financial service providing method according to the present invention, when a customer wants to perform a financial transaction, the financial service menu screen is provided on the customer display 130 screen of the customer automated teller machine module 110 provided in the hybrid ATM. If the customer selects the desired financial service menu through the provided financial service menu screen, the customer is sequentially provided with an information input screen for performing the financial service, and the related information is sequentially input from the customer. It will handle financial transactions.

On the other hand, when processing the customer's financial transactions such as customer identification in the process of processing the customer's financial transactions, the employee in charge of the hybrid ATM checks the transaction status of the customer through the cashier's display 140, By processing the face-to-face tasks immediately and inputting the information confirmed through the cashier's financial processor module 120 to process the necessary financial tasks, the waiting time of the customer is effectively reduced with optimized space facilities and minimal manpower. Can give

In this case, a description of a method of providing a financial service such as opening a new account, issuing a bank account and / or card issuance, and applying for internet banking using the hybrid ATM as described above will be described in detail with reference to FIGS. 2 to 11. .

2 to 11 are diagrams for explaining a financial service providing method using a hybrid ATM according to the present invention.

As shown in FIG. 2, first, when a customer wants to receive financial services such as bank account issuance, card issuance, internet banking application, etc. through opening a new account and other related financial counseling, a hybrid to which the present invention is applied ATM provides a financial service menu selection screen (main screen) 200 for receiving a financial transaction of a user through a display screen for a customer.

In this case, the financial service menu selection screen 200 includes menus for financial services such as making a bank account for opening a new account (210), making a check card (220), signing up for Internet banking (230), and receiving financial counseling (240). Buttons may be displayed, and various financial service menus such as loans, transfer limit increase, and customer information change may be displayed.

In this case, when the customer wants to open a new account, the customer selects the bank account creation menu 210 on the financial service menu selection screen 200 provided through the customer display screen.

In this case, in order to open a new account, face-to-face confirmation with a cashier is necessary to verify the identity of the customer. Accordingly, in the hybrid ATM, a display screen for instructing the customer to present an identification card to the cashier in charge of the hybrid ATM through the display screen for the customer ( Not shown).

After that, when the customer presents his / her ID card to the member, the member uses the display for financial transaction processing to check the customer information by checking the customer information that matches the presented identification card, and can open a new financial account to the customer according to the confirmed customer information. By checking and inputting the product information, as shown in FIG. 3, the financial product menu selection screen 300 for the financial products that can be newly opened for the customer is provided on the display screen for the customer.

At this time, the clerk scans the identification card presented to the customer through a scanner (not shown) provided in the clerk's financial processor module to check whether the customer information is registered by using the resident registration number of the read customer. If there is no customer information that matches the presented ID among the customer information, that is, for a customer who starts a financial transaction with the bank for the first time, the accountant confirms that the customer is a new customer through the display for financial transaction processing. Provide the new customer information input screen (not shown) to the customer through the display screen to register the customer information by receiving basic information such as personal information, contact information and address of the customer, and to the new customer according to the registered customer information. The financial product information that can be opened is confirmed and entered.

The financial product menu selection screen 300 is provided with a financial product (new bank account) menu 310 that can be newly opened to the corresponding customer, each of the provided financial products to view detailed information about the financial product Menu button 330 is provided.

Accordingly, the customer checks the detailed information of each financial product through the detail view menu button 330, and selects the financial product suitable for him.

In addition, if the customer has another account that has been previously opened, and wants to use the cash card used in connection with the new account, as shown in Figure 3, the financial product menu selection screen ( By selecting the addition account 350 for the cash card provided through the 300 can be used to link the newly opened account to the existing cash card.

That is, recently, in setting up a cash card linked account, one to five accounts can be added to an existing cash card (IC card) used by a customer, and a plurality of accounts can be used as one cash card. The process has been introduced, and accordingly the input screen is provided with a cash card account add menu 350 can be used to link the new account to the existing cash card that the customer holds according to the customer's choice.

On the other hand, since the customer's consent to use personal information is required to open a new account, when the customer selects his or her desired financial products, as shown in FIG. ).

At this time, since the customer's own handwritten signature is required for the customer's consent to use personal information, when the customer enters a selection on the personal information utilization agreement confirmation screen 400, the employee in charge of the corresponding hybrid ATM is the accountant's financial processor. The printer outputs the documents through a printer (not shown) provided to the module and provides them to the customer, and receives the documents signed by the customer's handwritten signature and inputs and processes the personal information utilization consent document through the financial processor module for the accountant.

Meanwhile, when a customer selects a financial product through the financial product menu selection screen 300 and selects an application for adding an account to a cash card, a card input guidance screen (not shown) is provided through a display screen for the customer. In this way, the customer can insert the cash card into the card insertion slot of the customer automated teller machine module.

Subsequently, based on the confirmed customer information, as shown in FIG. 5, the customer information input screen 500 is provided to allow the customer to input and change his / her personal information, contact information, and personal information.

In addition, when a customer wants to issue a check card in addition to opening a new account, the card information input screen 600 is provided as shown in FIG. 6 to provide various card information such as a billing method, a billing account number, and an SMS service for the check card. Enable to set.

In this case, in designating the payment account number, the card information input screen 600 has a new account input field 610 and an existing account use input field 620, and the customer selectively inputs a new account or an existing account, thereby providing the corresponding card. Allows you to specify a payment account for.

Here, the list of account numbers owned by the customer is linked to the existing account input field 620 so that the customer can select one of the accounts owned by the customer and register as a payment account.

In addition, the existing cash card currently held by the customer may be issued by changing the card information through the card information input screen 600 described above.

In addition, as shown in FIG. 7, the electronic banking information input screen 700 for electronic banking service application such as Internet banking and phone banking is provided to enable the customer to apply for and use the electronic banking service. Through the information input screen, it is possible to select a banking service menu such as Internet banking, phone banking banking, etc., and set a user ID and a transfer limit related thereto.

As described above, when all the input information for the financial service application is input from the customer, the input screen for confirming the content 800 is provided on the display screen of the automated teller machine for customer as shown in FIG. Input information is organized and provided.

At this time, the input content confirmation screen 800 is provided with a menu button (810, 820, 830) for checking, modifying or canceling the input information, so that the customer can finally determine the input.

At this time, when the customer inputs the correction button 810 in the input content confirmation screen, the input screen displayed on the display moves to the screen of the previous step, and when the cancel button 820 is input, the financial transaction ends and returns to the main screen. Done.

On the other hand, when the customer confirms the information entered so far by pressing the confirmation button 830, as shown in Figure 9, through the display screen for the customer provides a password input screen 900 for setting the password of the new account, The customer can set a password for the new account through the input screen provided. At this time, the input of the password is preferably set to be repeated two or more times.

When the password setting of the customer is completed, all the input information of the customer entered for opening a new account is transmitted to the financial processor module of the accountant through the customer automated teller machine module, and the display for processing the financial transaction of the accountant financial processor module. The screen provides an input information check screen that summarizes the financial service related information requested by the customer.

Accordingly, the accountant checks whether the various information required for the financial service requested by the customer is properly input through the input information check screen, and if there is no error, confirms that there is no abnormality through the financial processor module for the accountant and inputs it. The application information is transferred to the financial server to complete the opening of a new account for the customer.

While the above-described clerk's business process is in progress, the customer's display screen is provided with a financial transaction processing screen 910 informing that the processing of the requested financial service is in progress, as shown in FIG. When the financial transaction processing is completed, as shown in FIG. 11, the financial transaction completion screen 920 is provided to notify that the financial transaction of the customer is completed, thereby providing the financial service.

Meanwhile, in the above description, a method of providing financial services for issuing a bank account, issuing a card, and applying for internet banking according to the opening of a new account is described, but in addition, issuing a check card and / or internet banking for an account that the customer already holds Of course, you can choose to apply for services.

As an example, when the financial product menu selection screen 200 of FIG. 2 selects the check card issuance 220 when there is an existing account, the customer display screen is shown in FIG. A financial product menu selection screen 300 is provided in which a check card financial product is presented.

At this time, when the customer selects a check card to be issued by him and presses the confirmation button provided on the input screen, the display screen has the personal information utilization consent screen 400 and the customer information input screen as shown in FIGS. 4 and 5 described above. 500 is provided sequentially, through which the customer enters information corresponding to each input screen.

Subsequently, the display screen is provided with a card information input screen 600 as shown in FIG. 6 to input various setting information such as a billing method, payment account number and financial IC card information, and SMS service application for the check card selected by the customer. Or change it.

As described above, when the card information input of the check card is completed, as shown in FIG. 7, the electronic banking information input screen 700 may be provided to selectively receive the customer's application for internet banking.

At this time, in the case of the Internet banking service, regardless of the issuance of the check card, by selecting the Internet banking menu individually on the financial service menu selection screen (main screen), it is possible to apply for the Internet banking service for the account currently held by the customer. Of course.

On the other hand, when all the relevant information about the customer's financial transactions as described above is provided, through the display screen for the customer provides an input content confirmation screen 800 as shown in Figure 8, when the customer confirms, in Figure 9 As described above, a password input screen 900 for setting a password for the customer account is provided to receive password information from the customer.

Thereafter, various types of information input from the user are transmitted to the cashier's financial processor module, and the corresponding financial service can be provided to the customer by processing and completing the customer's financial transaction by communicating with the financial server through the cashier's financial processor module. .

As described above, the method for providing a financial service according to the present invention sequentially provides various input screens according to a financial transaction to a display screen for a customer using a hybrid ATM, so that a customer directly inputs relevant information to apply for the financial service. In addition, it is possible to improve the efficiency of the workforce of employees, and at the same time, they can easily and quickly handle various financial transactions themselves.

12 is a flowchart illustrating a schematic process of a method of providing a financial service using a hybrid ATM according to an embodiment of the present invention.

As shown in Figure 12, the method of providing a financial service using a hybrid ATM according to an embodiment of the present invention, the customer's display screen of the automated teller machine module for customers, issuing a bank account for the opening of a new account, issuing a check card, Provides a financial service menu selection screen (main screen) equipped with a menu button for financial transactions such as Internet banking application and financial counseling application (S100).

In this case, the financial service menus provided through the main screen include not only the bankbook issuance, card issuance, internet banking application and financial counseling application, but also various financial service menus such as loan and transfer limit increase depending on the financial transaction setting of the hybrid ATM. Of course it can be composed of.

When the financial service menu selection information is inputted from the customer through the financial service menu selection screen, a request screen for identification is presented for inquiry of customer information, and when the customer presents an identification card to the employee, the employee uses the financial processor module for the employee. By checking the customer information such as personal information and financial information of the customer to confirm the customer information (S110).

When the customer information is confirmed, the financial product information that can be applied according to the confirmed customer information is collected and the financial product menu selection screen is provided to the customer through the display screen for the customer (S120).

On the other hand, if the customer information does not exist to match the presented ID when the customer information is checked, confirming that the new customer, the new customer information input screen to the customer through the display screen for the customer by providing the personal information, contact information, Register customer information by receiving basic information such as address, check the financial product information that can be newly opened to the customer according to the registered customer information, and provide the financial product menu selection screen through the customer display screen (S120). .

At this time, the financial product menu selection screen is provided with a financial product (new bank account) menu that can be newly opened to the customer, each of the provided financial products is provided with a detailed view menu button to view detailed information about the financial product do.

Accordingly, the customer checks the detailed information of each financial product through the detail view menu button and selects the financial product suitable for him.

In addition, the financial product menu selection screen is provided with an account for adding an account for a cash card, and the customer has another account previously opened, and the user wants to use the cash card used in connection with the new account like a new account. In addition, the customer can use the newly added account to the existing cash card by selecting the add account for the cash card.

On the other hand, if the customer selects the financial product menu through the provided financial product menu selection screen, the personal information utilization consent screen is provided through the display screen for the customer to use the personal information of the customer to select the personal information utilization consent from the customer. The input is processed and processed (S150).

At this time, since the customer's own signature is required for the customer's consent to use personal information, the employee in charge of the hybrid ATM uses the printer provided in the cashier's financial processor module. Print out the document and provide it to the customer, and take over the document with the customer's handwritten signature, and input the personal information utilization consent document through the financial processor module for accountants.

Meanwhile, when the customer selects a financial product through the financial product menu selection screen and at the same time selects an application for adding an account to the holding cash card (S130), the customer provides a card input guide screen through the customer display screen and the customer cashes. The card can be inserted into the card inlet of the customer automated teller machine module (S140).

Subsequently, by providing a customer information input screen through the customer display screen, based on the confirmed customer information, the customer can modify and / or confirm personal information such as personal information, contact information and address (S160). do.

In this case, the financial product menu selection screen provided to the customer through the customer display screen may include various financial services such as opening a new account, issuing a check card and / or applying for internet banking, and inputting the corresponding process according to each financial service. The screens are provided sequentially (S170).

At this time, if the customer wants to issue a check card for the new account opened together with opening a new account, after providing the customer information input screen, the card information input screen is provided to provide a billing method for the check card and payment. Various card information such as account number and SMS service can be set.

In this case, in designating a payment account number, the card information input screen includes a new account input field and an existing account use input field so that a customer can specify a payment account for the card by selectively inputting a new account or an existing account. .

Here, the list of account numbers owned by the customer is linked to the existing account input field so that the customer can select one of the accounts owned by the customer and register as a payment account.

In addition, it is of course possible to change the card information through the card information input screen described above for the existing cash card that the customer currently holds.

On the other hand, when a customer wants to apply for an electronic banking service such as Internet banking or phone banking in addition to opening a new account and issuing a check card, the customer can apply for and use the electronic banking service by providing an electronic financial information input screen on the customer's display screen. In this case, the customer may select a banking service menu such as Internet banking or phone banking through the provided electronic financial information input screen, and set a user ID and a transfer limit related thereto.

As described above, when all the input information for the financial service application is input from the customer, the input information confirmation screen is provided through the display screen of the customer's financial automation device to provide all the input information input by the customer so far. .

At this time, the input content confirmation screen is provided with a menu button for checking, modifying or canceling the input information so that the customer can finally determine the input.

Here, when the customer requests a correction, the previous screen is provided through the display screen. When the customer requests the cancellation, the bank ends the financial transaction and returns to the main screen to provide a financial service menu selection screen.

On the other hand, when the customer confirms the contents of the input information, the customer input information is confirmed (S180) processing to provide a password input screen through the display screen, receiving a password from the customer to set a password for the new account (S190) do.

After that, all the customer's input information entered for opening a new account is transferred to the cashier's financial processor module through the customer's financial automation equipment module, and the customer's application is applied through the display screen for the financial transaction processing of the cashier's financial processor module. It provides the clerk with input information check screen that summarizes financial service related information.

Accordingly, the accountant checks whether the various information required for the financial service requested by the customer is properly input through the input information check screen, and if there is no error, confirms that there is no abnormality through the financial processor module for the accountant and inputs it. By sending the received application information to the financial server, the customer's financial transaction (new account opening, check card issuance, internet banking application) is completed (S200).

In addition, during the processing of the above-described clerks, providing a screen during the financial transaction processing that informs that the processing of the financial service is in progress through the display screen for the customer, and if the clerk completes the financial transaction processing of the customer, By providing the transaction completion screen, it informs the customer that the financial transaction is completed.

On the other hand, using the process described above, as well as providing financial services in accordance with the opening of a new account, the customer can apply for a check card issuance and / or Internet banking services for the existing account.

That is, when the customer selects a check card issuance with an existing account when the customer selects a financial product on the financial service menu selection screen, the financial product menu on which the check card financial product as described above is presented on the customer display screen is selected. Provide a screen (S120).

At this time, when the customer selects a check card to be issued by the customer, the above-mentioned personal information utilization agreement (S150) screen and the customer information input (S160) screen are sequentially provided through the display screen to receive the corresponding information from the customer.

Thereafter, by providing the above-described card information input screen through the display screen is provided, to enter or change a variety of setting information, such as billing method, payment account number and financial IC card information, SMS service application for the check card selected by the customer It becomes possible.

As described above, when the card information input of the check card is completed, the electronic banking information input screen may be provided to selectively receive the customer's application for internet banking.

At this time, in the case of the Internet banking service, regardless of the issuance of the check card, by selecting the Internet banking menu individually on the financial service menu selection screen (main screen), it is possible to apply for the Internet banking service for the account currently held by the customer. Of course.

As described above, when all relevant information on the customer's financial transaction is input, the user inputs a confirmation screen through the display screen for the customer (S180), and when the customer confirms the password information from the customer by providing a password input screen Receive an input (S190).

Thereafter, various types of information input from the user are transmitted to the cashier's financial processor module, and the corresponding financial service is provided to the customer by communicating with the financial server through the cashier's financial processor module to process and complete the customer's financial transaction (S200). .

As described above, in the financial transaction method using the hybrid ATM according to the present invention, in performing a financial transaction using a hybrid ATM provided with a customer's automated teller machine module and a cashier's financial processor module integrally, By providing various information input screens required for financial transactions such as opening a new account, issuing bank and card, and internet banking, it is possible to increase customer's participation in financial business by receiving necessary information directly from customers. Of course, by dividing the work of the clerk can increase the work efficiency of the clerk.

In addition, in the case of financial transactions that require face-to-face checks, the hybrid ATM officer checks and processes them through the cashier's financial processor module, which reduces unnecessary waiting time for customers and speeds up the customer's financial transactions. can do.

It will be apparent to those skilled in the art that various modifications and variations can be made in the present invention without departing from the spirit or scope of the inventions. It will be obvious to those who have knowledge of.

100: Hybrid ATM 110: Customer automated ATM module
120: financial processor module 200: financial service menu selection screen
300: financial product menu selection screen 400: personal information utilization agreement confirmation screen
500: customer information input screen 600: card information input screen
700: Electronic financial information input screen 800: Input contents confirmation screen
900: password input screen 910: financial transaction processing screen
920: financial transaction completion screen

Claims (13)

In the method of providing a financial service using a hybrid ATM which has at least one customer automated teller machine module and a cashier bank processor module integrally formed,
Providing a financial service menu selection screen to a customer through a customer display screen provided in the customer automated teller machine module;
Receiving a financial service menu to be provided from a customer;
Providing an identification card presentation screen to a customer through the customer display screen;
Providing a financial product menu selection screen for the financial product information available to the customer according to the financial service menu selected by the customer;
Receiving a financial product menu to be used by the customer;
Providing a personal information utilization consent screen to a customer through the customer display screen;
Outputting the personal information utilization agreement confirmed by the customer to provide the customer, and receiving the personal information utilization agreement signed by the customer by hand;
Receiving a selection by providing a customer with an information input screen for providing a financial service selected according to a financial product menu selected by the customer;
Receiving input information from the customer by providing an input information confirmation screen in which the input and selection information of the financial product selected by the customer is arranged through the display screen for the customer;
Transmitting input information about the financial product identified by the customer to a financial institution server through an accountant financial processor module;
Financial service providing method using a hybrid ATM, characterized in that configured to include. The method of claim 1,
After the step of receiving input from the customer,
And providing a password input screen to be used to use the financial product selected by the customer through the display screen for the customer, and receiving a password from the customer. 3. The method of claim 2,
The step of receiving the password,
Method of providing a financial service using a hybrid ATM, characterized in that the same password is repeatedly input two or more times. The method of claim 1,
The personal information utilization agreement,
Financial service providing method using a hybrid ATM, characterized in that output through the printer provided in the cashier financial processor module. The method of claim 1,
The input information confirmation screen is provided with a menu button for modifying, canceling, and confirming, and when the customer selects the modify button, the step of receiving input of the financial product to the customer is performed again; Terminating the service, and return to the first financial service menu selection screen, characterized in that the financial service providing method using a hybrid ATM. The method of claim 1,
On the financial service menu selection screen,
Method of providing a financial service using a hybrid ATM, characterized in that it includes a menu for making a bank account, issuing a check card, applying for internet banking and receiving financial counseling. The method according to claim 6,
If the customer selects Create Passbook,
In the financial product menu selection screen provided to the customer,
Method of providing a financial service using a hybrid ATM, characterized in that a list of new bankbook products that can be provided to the customer. 8. The method of claim 7,
The financial product menu selection screen,
Method of providing a financial service using a hybrid ATM, characterized in that the customer is additionally provided with a menu button for adding an account for the cash card so that the customer can use the existing cash card in conjunction with the new account. The method according to claim 6,
If the customer selects the check card issue menu,
In the financial product menu selection screen provided to the customer,
Method of providing a financial service using a hybrid ATM, characterized in that a list of check card products that can be provided to the customer is provided. The method of claim 9,
The information input screen provided to the customer for issuing the check card selected by the customer includes a method for issuing a bill for payment of the check card and a payment account number selection menu. . The method of claim 10,
The payment account number selection menu is linked to the list of account numbers held by the customer provided financial services using a hybrid ATM, characterized in that provided. The method according to claim 6,
If the customer selects the internet banking application menu,
In the financial product menu selection screen provided to the customer,
Method of providing a financial service using a hybrid ATM, characterized in that the Internet banking and phone banking application screen is included. 13. The method of claim 12,
The Internet banking and phone banking application screen is a financial service providing method using a hybrid ATM, characterized in that the user ID input box and the transfer limit setting menu is provided.

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