KR100355314B1 - Mobile banking service system terminal and using method thereof - Google Patents

Abstract

The present invention relates to a terminal for a cyber mobile bank service system, an auxiliary terminal thereof, and a terminal capable of account transfer, cash payment, and electronic money charging between all banks. According to the terminal for the cyber mobile bank service system of the present invention, the deposit and withdrawal, balance inquiry, and loan functions for the subscriber's account can be performed by wire or wirelessly in the state where the mobile agent is possessed or stored in the affiliated store. The terminal of the present invention is installed in a convenience store, etc. to enable 24 hours cash withdrawal and small loans, and at the same time has a function to facilitate cash replenishment and storage through a predetermined company, and has a connection function with a cyber bank, so that merchants and customers You can immediately borrow a certain amount through your (subscriber) cyberbank account. In addition, the terminal according to another embodiment of the present invention can be paid by the card user, such as by direct account transfer for the purchase price of goods in the field.

Description

Mobile bank service system terminal and its use {MOBILE BANKING SERVICE SYSTEM TERMINAL AND USING METHOD THEREOF}

The present invention relates to a terminal for a cyber mobile bank service system and a method of using the same.

The present invention also, for example, when purchasing goods, regardless of the type of card, all bank cards can be directly transferred to the site (including other accounts) or payment by credit card, as well as a terminal capable of charging electronic money and use thereof It is about a method.

The present invention also allows for the transfer of insurance premiums from the bank account of the insured person (premium transfer requester) directly to the bank account of the insurance company (insurance transfer recipient) regardless of time, for example, when the automatic transfer of insurance premiums occurs. One terminal and a method of using the same.

The present invention also relates to a terminal and a method of using the corporate card (a card manufactured separately for using the terminal of the present invention) of a predetermined company so as to be used as a credit card, credit card and cash card within the credit limit. .

Since the terminal used in the conventional electronic payment system is used for credit card and debit card payment, there is no cash withdrawal and deposit function, and no function other than the financial payment function can be performed.

In addition, since the electronic payment must be connected to the bank installed for payment by wire, there is a disadvantage inevitably increase the usage fee.

Also, for example, the following two methods are commonly used to purchase goods at a discount store and pay for the goods purchase cost.

First, pay in cash.

In this case, the merchant selling the goods directly receives cash, but there are benefits, but there is no advantage for the customer.

Second, payment by bank card or credit card.

In this case, the customer can solve the cost of purchasing the goods even if there is no cash in hand, and there is no additional fee, but the merchant has to bear the card fee, but also has a disadvantage that can be received in cash after a certain period.

Therefore, the present invention is made to improve the disadvantages of the conventional terminal, so that it is possible to install cash at a suitable place, such as a convenience store for 24 hours cash withdrawals and small loans and at the same time easy to replenish and store cash through a predetermined company An object of the present invention is to provide a terminal for a cyber mobile bank service system and a method of using the same.

Another object of the present invention is to provide a terminal and a method for using the cyber mobile bank service system that can be immediately loaned a predetermined amount through the cyber bank account of the merchant and the customer by providing a function of connecting the terminal and the cyber bank.

Another object of the present invention is to provide a terminal for a cyber mobile bank service system which can reduce the response time by using a wireless connection method in normal times, and by connecting by wire when a wireless call is not available.

Still another object of the present invention is to provide a terminal which can be used in combination with a fixing device or separated by a portable device.

Another object of the present invention is to use the bank card joint management network and credit card joint management network compatible with any type of corporate card and bank cards and credit cards, and separate cash back for corporate cards and bank cards The present invention provides a terminal capable of servicing a point and a method of using the same.

Another object of the present invention is to provide a terminal capable of charging electronic money at a remote location.

It is still another object of the present invention to provide a terminal and a method of using the same which allow a corporate card to be used as a credit card, credit card and cash card within the credit limit of a given company.

The cyber mobile bank service system according to the first embodiment of the present invention for achieving the above object, the deposit and withdrawal and balance inquiry, the loan function for the subscriber's account by wire and wireless in the state that the mobile agent possesses or is located in the merchant A central processing unit that collectively controls the overall operation of the device to impart; An account transfer unit having a function of transferring a subscriber's service request signal to the central processing unit from another subscriber's account to another's account; A cash withdrawal unit having a function of depositing or withdrawing cash; An operation unit composed of a check and an electronic money inquiry unit having a function of checking a check and inquiring an electronic money and an account balance of a subscriber; A card inquiry payment unit having a function of inquiring and paying card numbers such as a credit card, a debit card, and a membership card; A signal transmitter which transmits the service request signal of the subscriber to the telephone station network by wireless repeater or by wire under the control of the central processing unit; Signal receiving unit for receiving the wired or wireless wired and wireless signal of the result of the cash withdrawal and balance inquiry performed by the subscriber; A display unit for visually displaying the current mode and state set in the device, and visually displaying the service request of the subscriber and the result of the execution; A voice generating unit for audibly displaying the current mode and state of the device and audibly displaying the service request of the subscriber and the result of its execution; A counter unit having a current time data and a time data backup function; Switching unit for switching the operation type of the device by wire or wireless; A printing unit which prints the inquiry and the payment result as printed matter; Disaster prevention function unit connected to the security device to have a disaster prevention function; An alarm unit for generating and transmitting an emergency signal by telephone or wireless communication in an emergency situation; And a wireless communication unit configured to transmit a signal to a wireless modem of a neighboring subscriber when the service request signal of the subscriber cannot be transmitted to the central control room due to disconnection and communication failure.

A signal receiver which receives a subscriber's service request signal from a terminal so as to receive the subscriber's service request signal and its work performance result signal wirelessly, or receives the subscriber's service request result signal from a wireless repeater; A central processing unit for processing the service request signal and the business performance result signal of the subscriber received in the signal receiving unit; And a base station configured to transmit a service request signal of a subscriber to a wireless repeater or a signal transmitter to transmit a service request work result signal to a wireless repeater.

A telephone station network that receives a subscriber's service request signal and its work performance result signal by wire;

Receiving the service request signal of the subscriber wirelessly from the wireless repeater or the wired network from the telephone station network, and the overall operation of the device to transmit the performance result signal to the wireless repeater wirelessly or to the telephone station network by wire A central processing unit for controlling; A signal receiving unit for receiving a service request signal of a subscriber through a wireless repeater or a telephone station network and receiving a signal of a result of performing a work from a cyber bank; Signal transmitting unit for transmitting the business performance result signal received from the cyber bank to the wireless repeater or telephone station network; An operation unit for inputting an operation signal necessary in the control room to the central processing unit; A display unit for visually displaying the current mode and state set in the device, and visually displaying a service request of the subscriber and a result of performing the same; A voice display unit for audibly displaying the current mode and status of the device and for audibly displaying the subscriber's service request and its performance; A counter unit having a current time data and a time data backup function; And a central control unit configured to select whether to receive the service request signal and the result signal of the subscriber by wire or wirelessly. And

A power supply unit supplying driving power to perform a service task requested by the subscriber; A subscriber information unit for storing information related to subscribers; Signal receiving unit for receiving the service request signal of the subscriber transmitted from the mobile agent or the merchant terminal through the central control room; Signal transmitting unit for transmitting the service request work performance result signal of the subscriber to the central control room; A transfer approval unit which transfers or approves the transfer from the predetermined company account to which the mobile agent and the central control office belong to the subscriber account and the settlement thereof in order to settle the service request work of the subscriber; A business performance result transmission unit for transmitting the service request business performance result of the subscriber to the central control room and the terminal; And a central processing unit programmed to control the system as a whole.

The terminal according to the second embodiment of the present invention is characterized in that the fixing device and the auxiliary device having the terminal configuration of the first embodiment is used in combination with each other or the auxiliary device is separated from the fixing device.

Terminal according to the third embodiment of the present invention is a control panel consisting of buttons to input data for performing functions such as cash withdrawal (including other transactions), account transfers (including other transactions), balance inquiry, electronic money, cash (cash) payments, etc. ; A card reader which reads various cards and transmits information such as a card number to a cash card management network or a credit card management network according to the reading result; When a customer purchases an item at a discount store and pays with a credit card or a credit card, a program for selectively sending data to a cash card management network or a credit card management network according to different card types and reading results of the information stored therein; When a customer pays for a purchase price with a cash card, cashback points corresponding to a predetermined fee among the fixed amount of card fees are credited to the account of the card user (customer), and cashback points corresponding to the remaining fees are credited to the merchant's account. A central processing unit equipped with a program to make; A monitor for displaying a request signal operated through the operation unit and a processing result signal thereof; A printer for printing a result of the signal input through the operation unit processed by each bank or card company; A transmission unit for outputting a request signal input through the operation unit to a host computer to be transmitted to each bank or card company through a cash card management network or a credit card management network; A receiving unit for receiving a signal processed by each bank or card company through a host computer and inputting the signal to the central processing unit; And a charging unit for charging the electronic money.

In addition, the terminal according to the third embodiment of the present invention is a button for inputting data for performing functions such as cash withdrawal (including other transactions), bank transfer (including other transactions), balance inquiry, electronic money, cash (cash) payment, etc. Configured operation unit; A card reader which reads various cards and transmits information such as a card number to a cash card management network or a credit card management network according to the reading result; When a customer purchases an item at a discount store and pays with a credit card or a credit card, a program for selectively sending data to a cash card management network or a credit card management network according to different card types and reading results of the information stored therein; When a customer pays for a purchase price with a cash card, cashback points corresponding to a predetermined fee among certain fixed fees are credited to the account of the card user (customer), and cashback points corresponding to the remaining fees are credited to the merchant's account and bank. A program that allows you to accumulate, a program that automatically transfers a certain amount of insurance premiums from the insured bank account to the insurer bank account by operating the terminal if you wish to automatically transfer the insurance premiums, and the corporate card within the credit limit. Can be used as a credit card, credit card and cash card. If you pay by cash using a corporate card or pay using a corporate card as a credit card for accurate taxation processing, and the amount of the payment is automatically transferred from the bank to the IRS, accurate taxation is possible. A central processing unit equipped with a program; A monitor for displaying a request signal operated through the operation unit and a processing result signal thereof; A printer for printing a result of the signal input through the operation unit processed by each bank or card company; A transmission unit for processing the request signal inputted through the operation unit by a central processing unit and outputting the request signal to a host computer through a cash card management network or a credit card management network to be sent to each bank or card company; A receiving unit for receiving a signal processed by each bank or card company through a host computer and inputting the signal to the central processing unit; And a charging unit for charging the electronic money.

The terminal according to the fourth embodiment of the present invention is characterized in that the electronic money is connected to the charging unit, and when the charging signal is transmitted through the operation unit, the electronic money is charged by receiving the remote charging signal from the charging station received from the remote site.

Cash transfer method using a terminal of the present invention, if the customer wants a cash withdrawal (transfer to another bank account) a predetermined amount of cash withdrawal request signal to the other computer via the terminal to the host computer via the Internet network At the same time as the transmission, the operation performed by the operator is displayed on a monitor to recognize the operation; The host computer transmits the transmitted cash withdrawal request signal to the cash card management network to determine whether the card number is the other account, and transmits the result of the determination to the bank to transfer the account from the cash card account used by the customer. Transferring the cash to the bank; And when the transfer of cash account at the bank is completed, the completion signal is transmitted to the host computer from the cash card management network, processed and input to the central processing unit of the terminal, and the processing result is printed on the display or printer through the monitor. It is characterized in that the step made to enable the check in the customer or merchant.

Cash payment method using the terminal of the present invention, when the customer purchases the goods at the discount store and pays with a cash card, the step of input processing to the central processing unit after the card number and other information is read by the card reader; The central processing unit determines the cashback point of the purchase cost and the corresponding fee, and stores it in the memory means, and transmits it to the host computer to transmit the information inquiry request signal such as the card number to the cash card management network. ; The cash card joint management network searches for information such as card number and transmits the result of the inquiry to the bank, and the bank determines the cashback points corresponding to the purchase cost of the goods and the corresponding fee determined by the central processing unit of the terminal. Accumulating along; And displaying a signal processed by the central processing unit on a monitor to recognize the signal.

In the method of payment for selling goods using a corporate card of the present invention, when a product is sold and an amount corresponding to the sales amount is entered through an operation unit to query a corporate card, the card reader reads the corresponding corporate card and centrally calculates the reading result. Inputting to the processing apparatus; the central processing unit transmits a processing signal to the host computer to settle the sales price of the product operated by the operation unit based on the reading result of the card reader to the cash card joint management network or the credit card joint management network Distributing a cashback point corresponding to the selling price and transmitting the processing signal to the buyer and the seller; The cash card joint management network or the credit card joint management network is a step of requesting a bank or a card company to pay the goods sale price; And a step of transmitting the payout settled by the bank or card company to the IRS.

1 is a schematic diagram of a cyber mobile bank service system to which a terminal according to a first embodiment of the present invention is applied;

2 is a block diagram of a terminal according to the first embodiment of the present invention;

3 is a block diagram of a base station of the cyber mobile bank service system according to the first embodiment of the present invention;

Figure 4 is a block diagram of a wireless repeater of the cyber mobile bank service system according to the first embodiment of the present invention.

5 is a configuration of a central control room of the cyber mobile bank service system according to the first embodiment of the present invention.

6 is a block diagram of a cyber bank of the cyber mobile bank service system according to the first embodiment of the present invention.

7 is a block diagram of a peripheral system of a terminal according to the first embodiment of the present invention.

8 is a block diagram of a terminal according to a second embodiment of the present invention.

9 is a system diagram of a mobile bank service system using a terminal according to a third embodiment of the present invention.

10 is a block diagram of a terminal according to a third embodiment of the present invention.

11 is an operation control diagram between a terminal and a cash card and credit card joint management network according to a third embodiment of the present invention.

12 is a flowchart of withdrawing cash according to a third embodiment of the present invention.

13 is a credit card payment flowchart according to a third embodiment of the present invention.

14 is an electronic money charging control system at a remote location according to a fourth embodiment of the present invention.

Explanation of symbols on the main parts of the drawings

1 ------ Terminal 2 ------ Base Station

3 ------ Wireless Repeater 4 ------ Telephone Station Network

5 ------ Central Control Office 6 ------ Cyber Bank

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

1 is a schematic diagram of a cyber mobile bank service system according to a first embodiment of the present invention, FIG. 2 is a block diagram of a terminal according to the present invention, FIG. 3 is a block diagram of a base station according to the present invention, and FIG. Repeater configuration diagram, Figure 5 is a central control room configuration according to the present invention, Figure 6 is a cyber bank configuration according to the present invention, Figure 7 is a peripheral system configuration of the terminal according to the first embodiment of the present invention.

As shown in Figure 1, the cyber mobile bank service system according to the first embodiment of the present invention, the deposit and withdrawal and balance inquiry, the loan function for the subscriber's account in a wired and wireless state in the possession of a mobile agent or in a member store The terminal 1 and the base station 2 receiving the service request signal wirelessly when the terminal 1 is operated wirelessly by a mobile worker or affiliated store to provide a service request of the subscriber are configured.

In addition, the wireless repeater 3 which receives the service request signal of the base station 2 wirelessly, and when operating the mobile terminal 1 by a mobile worker or affiliated store to provide a service request of the subscriber wired service request signal The central office (4) is configured to receive and transmit the subscriber's service request wired and wireless signal through the wireless repeater (3) or the telephone station network (4), and performs the subscriber's service request The cyber bank 6 is further configured.

As described below, the cyber bank 6 stores and stores necessary information about the subscriber, and is capable of performing operations such as account transfer and card inquiry similar to those of an actual bank.

In the above configuration, the operation of the terminal 1 is performed by a mobile worker or a merchant operator. For example, when the subscriber notifies the central control room 5 of his request, the central control room 5 has an external mobile agent ( Vehicle) or the merchant to inform the service request of the subscriber, accordingly the mobile worker moves to the place where the subscriber is located to perform the service work through the terminal (1).

As shown in FIG. 2, the terminal 1 includes a central processing unit 11 which collectively controls the overall operation of the apparatus, and an operation unit which inputs a service request of the subscriber to the central processing unit 11 ( 12) and the service request signal of the subscriber under the control of the card inquiry settlement unit 19 and the central processing unit 11 having a function of inquiring and paying card numbers such as credit cards, debit cards and membership cards. The signal transmitter 13 wirelessly transmits the wireless repeater 3 or the wired telephone network 4 to the telephone station network, and the signal receiver 14 receiving the wired or wireless signal related to the cash withdrawal and balance inquiry requested by the subscriber. do.

The operation unit 12 checks an account transfer unit 23 having a function of transferring from a subscriber's account to another's account, a cash withdrawal unit 24 having a function of depositing or withdrawing cash, and a check, It consists of a check and an electronic money inquiry section 25 having a function of inquiring the electronic money and the account balance of subscribers.

The terminal 1 of the present invention also includes a display unit 15 for visually displaying the current mode and state set in the device, and visually displaying the service request and the result of the subscriber's service, and the current mode and state of the device. Audible display, and a voice display unit 16 for audibly displaying the service request and the performance result of the subscriber, and a counter unit 17 having a current time data and time data backup function, In order to improve the shortcomings of the terminal, a selector 18 for selecting whether the operation type of the device is wired or wireless is further configured.

In addition, in addition to the printing unit 26 for printing the results of the inquiry and the payment function as a printed matter, the disaster prevention function unit 27 connected to the general security device to perform the disaster prevention function in addition to the general security function, and the intensity is generated The alarm unit 28 generates and transmits an emergency signal by telephone or wireless communication in an emergency situation, and when a service request signal of a subscriber cannot be transmitted to the central control room due to disconnection or communication failure, it transmits a signal to a wireless modem of a neighbor subscriber. The wireless communication unit 29 is configured.

In the terminal 1 of the present invention configured as described above, when the operation unit 12 is operated to perform a function corresponding to each component, a program for transmitting and receiving a signal to perform a corresponding function is pre-processed by the central processing unit 11. Is stored in the memory means.

The memory means stores a card inquiry program, a bank transfer program, a cash withdrawal program, a check and electronic money inquiry program, an alarm program, a wireless communication program, a display program, a voice generation program, and the like.

For example, when the card is to be queried, the card number and the like are inputted to the central processing unit 11 through the operation unit 12, and the cyber bank 6 is transferred to the cyber bank 6 through the central control room 5 according to the program stored in the memory means. It is input and confirmed, and the result of the confirmation is transmitted to the terminal 1 through the central control room 5 and confirmed by the user.

When the function of each component is completed, the central processing unit 11 of the terminal 1 resets all the data to the initial state so that subsequent operations can be performed accurately.

As shown in FIG. 7 to be described later, the card inquiry settlement unit 19 includes a card insertion unit and a card reading unit so that the card number printed on the card can be read when the card is inserted into the insertion port. That is, the card number and the like read by the card reader are input to the central processing unit 11 and processed so that subsequent operations can be performed.

The disaster prevention function unit 27 is connected to, for example, a control room of a 119 fire brigade or a general crime prevention device, and when an emergency situation occurs, the operator or affiliated store operates the operation signal, and the operation signal is processed by the central processing unit 11. Afterwards, it may be transmitted to the central control room 5 so that further actions may be possible, or may be directly connected to a control room installed in a public office or the like.

The alarm unit 28, for example, presses a button key, the operation signal is input to the central processing unit 11 and processed, and then the central control room 5 through the base station 2 and the radio repeater 3; The system may be configured to act as a loudspeaker or may be configured as a speaker so that an alarm sound is generated at the site to indicate an emergency situation.

In addition, the alarm unit 28 may be directly connected to the control room installed in the government office or the like to operate.

Mechanical configuration of the terminal 1 is as shown in FIG.

In Fig. 7, the MS card reader 71 is configured with a card insertion hole 72 and a card reader (card reader program, not shown) for inquiring a credit card or the like, for example. A card insertion opening 74 and a card reading unit (card reading program, not shown) are configured.

As shown in FIG. 3, the base station 2 of the present invention receives a service request signal of a subscriber transmitted from a mobile worker or an affiliate store from the terminal 1 or a signal from a wireless repeater 3 of a work performance result signal. The receiver 1, the central processing unit 100 for processing the service request signal and the business performance result signal of the subscriber received in the signal receiver, and the service request signal of the subscriber transmitted from the mobile agent or the affiliated terminal (1) Received from the transmission to the wireless repeater (3) or the signal transmission unit 22 for transmitting the service request work performance result signal of the subscriber to the terminal (1).

As shown in FIG. 4, the wireless repeater 3 of the present invention receives only the service request signal of the subscriber from the base station 2 in the airwaves, or receives the service work result signal from the central control room 5. (31), a filter (32) for filtering only signals of a frequency band used for transmission among the modulated waves inputted through the reception antenna (31), and a modulated wave for synchronization with a modulated wave input from the filter (32). A resonant circuit 33 that generates the same frequency is configured.

In addition, the wireless repeater 3 is an original signal, i.e., a service request signal or a service, from the secondary filter 34 which attenuates the received modulated wave to a predetermined frequency and the predetermined frequency signal attenuated by the secondary filter 34. An intermediate frequency terminal 35 for restoring the business performance result signal and an amplifier 36 for a predetermined level amplification of the original signal input from the intermediate frequency terminal 35 are further configured.

In addition, the transmitting antenna 37 is configured to transmit the signal amplified by the amplifier 36 to the base station 2 or to transmit the service request signal transmitted from the base station 2 to the central control room 5.

As shown in Fig. 5, the central control room 5 of the present invention includes a central processing unit 51 which collectively controls the overall operation of the apparatus, and transmits the service request signal of the subscriber to the wireless repeater 3 or the telephone station network. 4) the signal receiver 52 receiving the work performance result signal from the cyber bank 6, and the business performance result signal received from the cyber bank 6, the wireless repeater 3 or the telephone station network ( A signal transmitter 53 for transmitting to 4) and an operation unit 54 for inputting an operation signal necessary in the control room to the central processing unit 51 are provided.

In addition, the central control room 5 visually displays the current mode and state set in the device, and visually displays the service request of the subscriber and the result of the execution, and hearing the current mode and state of the device. And a voice generator 56 for displaying the subscriber's service request and the result of the performance of the subscriber, and a counter unit 57 having a current time data and time data backup function, and an operation mode of the device. A selection unit 58 for selecting whether to be wired or wireless is further configured.

The display unit 55, the voice generator 56, the counter 57, and the selector 58 are provided to perform functions similar to those of the terminal 1.

As shown in FIG. 6, the cyber bank 6 of the present invention includes a power supply unit 61 for supplying driving power, a subscriber information unit 62 for storing information necessary for the subscriber 1, and a terminal 1; The signal receiving unit 63 receives the service request signal of the subscriber transmitted from the central control room 5 and the signal transmitting unit 64 which transmits the business performance result signal which processed the service request of the subscriber to the central control room 5. ), The transfer approval unit 65 for the settlement and approval of various service tasks requested by the subscriber, and the task of transmitting the result of the service request of the subscriber to the central control room 5 and the terminal 1 The result transmitter 66 and the central processing unit 67 programmed to collectively control the system are configured.

The transfer approval unit 65, for example, when the subscriber is provided withdrawal service through the mobile agent or affiliated store as much as the amount received the service from the cyber account of the subscriber to the account of the company belonging to the mobile agent and the central control room This is the part that treats the transfer.

In addition, the business performance result transmitting unit 66 may be any communication system capable of informing the central control room 5 and the subscribers of the business performance results. For example, an e-mail or the like using a personal computer is one of the means. It will be an example.

The cyber bank 6 stores information for identifying the subscriber's identity, for example, a subscriber's address, social security number and account number, deposit and withdrawal details for the account number, passwords, various card numbers, and passwords.

Similar to the memory of the central processing unit 11 of the terminal 1, the memory of the central processing unit 67 of the cyber bank 6, as well as the card inquiry and payment program, the transfer account program, the cash withdrawal program, the check and the electronic money Inquiry program is stored.

The operation of the mobile terminal for the cyber mobile bank service system of the present invention configured as described above will be described by case.

For convenience, the mobile 1 is carried by the mobile terminal or is provided at the merchant terminal 1 is set wirelessly via the selection unit 18 to perform the subscriber's service request wirelessly, the central control room 5 is also selected through the selection unit 58 Assume that it is set to wireless.

(1) Card inquiry payment function

If the subscriber wants to inquire the card, the card reader is inserted into the card inquiry settlement unit 19 (the card insertion slot 72 of the MS card reader 71 of FIG. 7) of the terminal 1 by the card reader. The card number is read. Accordingly, the card number signal is input to the central processing unit 11 and processed, and then transmitted to the base station 2 through the signal transmitter 13. In this case, the result processed by the central processing unit 11 is displayed to the outside through the display unit 15 and the voice generator 16 so that the user can check.

The signal receiver 21 of the base station 2 receives the card number signal and transmits the card number signal to the wireless repeater 3 through the signal transmitter 22 again.

Accordingly, the reception antenna 31 of the wireless repeater 3 receives the card number signal, performs the operation of FIG. 3, and then transmits the signal to the central control room 5 through the transmission antenna 37.

The signal receiving unit 52 of the central control room 5 receives the card number signal and inputs it to the central processing unit 51. The central processing unit 51 performs arithmetic processing by an arithmetic program and then processes the card. The number signal is transmitted to the cyber bank 6 through the signal transmitter 53.

The signal receiving unit 63 of the cyber bank 6 receives the card number signal, inputs it to the central processing unit 67, and the central processing unit 67 searches the subscriber information unit 62 to search for the number. Check your balance.

The search result signal, that is, the signal related to the balance, is transmitted to the central control room 5 through the signal transmitter 64 of the cyber bank 6, and the central control room 5 transmits the search result signal through the signal receiver 52. After receiving it, the signal is transmitted to the wireless repeater 3 through the transmitter 53.

Accordingly, after receiving the search result signal from the reception antenna 31 of the radio repeater 3 and performing the operation of FIG. 3, the search result signal is transmitted to the signal receiver 21 of the base station 2. The signal transmitter 22 transmits a signal to the terminal 1.

Then, the terminal 1 receives the search result signal through the signal receiving unit 14, and visual and audio through the display unit 15 and the voice generator 16 under the control of the central processing unit 11. This can be displayed externally so that the user can recognize it.

At this time, for example, when the subscriber wants to pay with the card, the account number to be transferred by the subscriber or another person through the card inquiry settlement unit 19 of the terminal 1 operation unit 12 is transferred to the central processing unit 11. By entering the card number signal of the subscriber and the account number signal of the subscriber or another person is transmitted to the cyber bank (6) through the base station (2), wireless repeater (3) and the central control room (5) to pay with the balance on the card Do it.

That is, the transfer approval unit 65 of the cyber bank 6 can transfer the amount of money from the subscriber's account to the account of another person.

At this time, when the subscriber needs a document such as a receipt, the mobile worker or affiliated store operates the terminal 1 to print the work performance result to the subscriber.

(2) Check and electronic money inquiry function

If check and electronic money inquiry is desired, check number signal is inputted to the central processing unit 11 through the check and electronic money inquiry unit 25 of the terminal 1 operation unit 12 and the check number and electronic money number. Alternatively, the electronic money number signal is transmitted to the cyber bank 6 through the base station 2, the wireless repeater 3, and the central control room 5 for inquiry.

Thereafter, the inquiry signal is transmitted to the terminal 1 through the path as described above, so that the inquiry signal can be confirmed through the display unit 15 and the voice generator 16 of the terminal 1.

In this case, if the subscriber wants the results in a document, the mobile worker or affiliated store operates the terminal 1, and the print unit 26 prints the work performance result and transmits the result to the subscriber.

(2) cash withdrawal function

When the subscriber deposits a predetermined amount of cash, the cash (including checks) to be deposited is transferred to the mobile worker or affiliated store, and the mobile agent or affiliated store checks the amount, and then the cash withdrawal unit 24 of the operation unit 12 of the terminal 1 is checked. Will be manipulated. In other words, the amount of the deposit amount and the subscriber's account number and password (subscriber signal), etc. are entered. Accordingly, the deposit signal and the subscriber signal are input to the central processing unit 11, processed, and then transmitted to the base station 2 through the signal transmitter 13.

Then, the signal receiver 21 of the base station 2 receives the deposit signal and the subscriber signal and transmits the received signal and the subscriber signal to the wireless repeater 3 again through the signal transmitter 22.

Accordingly, the reception antenna 31 of the wireless repeater 3 receives the deposit signal and the subscriber signal, performs the operation of FIG. 3, and transmits the received signal to the central control room 5 through the transmission antenna 37.

The signal receiving unit 52 of the central control room 5 receives the deposit signal and the subscriber signal, inputs them to the central processing unit 51, and the central processing unit 51 performs arithmetic processing by an arithmetic program. The signal is transmitted to the cyber bank 6 through the signal transmitter 53.

The signal receiving unit 63 of the cyber bank 6 receives the deposit signal and the subscriber signal and inputs the received signal to the central processing unit 67. The central processing unit 67 searches for the subscriber information unit 62 to open the subscriber. Find the account number and treat it as a deposit of cash.

The deposit processing signal is transmitted to the central control room 5 through the transmitting unit 64 of the cyber bank 6, the central control room 5 receives the deposit processing signal through the signal receiving unit 52 and then the signal transmitting unit 53 Transmit to the wireless repeater (3) through.

Accordingly, when the reception antenna 31 of the wireless repeater 3 receives the deposit processing signal, performs the operation of FIG. 3, and transmits the signal to the signal receiver 21 of the base station 2, the base station 2 processes the deposit. The signal transmitter 22 transmits a signal to the terminal 1.

Then, the terminal 1 receives the deposit processing signal through the signal receiving unit 14 and is visually and audible through the display unit 15 and the voice generator 16 under the control of the central processing unit 11. This can be displayed externally so that the user can recognize it.

At this time, when the subscriber needs the receipt received, the signal is inputted to the central processing unit 11 by processing the operation unit 12 of the terminal 1 and processed, and then the list is controlled by the printing unit 26. To print.

When the subscriber wants to withdraw a predetermined amount of cash, the mobile agent or the merchant enters the withdrawal amount desired by the subscriber, the account number and password of the subscriber through the operation unit 12 of the terminal 1. Accordingly, the withdrawal signal and the subscriber signal are input to the central processing unit 11, processed, and then transmitted to the base station 2 through the signal transmitter 13.

Then, the signal receiver 21 of the base station 2 receives the withdrawal signal and the subscriber signal and transmits the same again to the wireless repeater 3 through the signal transmitter 22.

Accordingly, the reception antenna 31 of the wireless repeater 3 receives the withdrawal signal and the subscriber signal, performs the operation of FIG. 3, and transmits the same to the central control room 5 through the transmission antenna 37.

The signal receiving unit 52 of the central control room 5 receives the withdrawal signal and the subscriber signal, inputs it to the central processing unit 51, and the central processing unit 51 performs arithmetic processing by an arithmetic program. The signal is transmitted to the cyber bank 6 through the signal transmitter 53.

The signal receiving unit 63 of the cyber bank 6 receives the processed withdrawal signal and the subscriber signal and inputs the received withdrawal signal and the subscriber signal to the central processing unit 67. The central processing unit 67 searches for the subscriber information unit 62 to provide the subscriber. Find the account number you opened and check if there is more than the amount you wish to withdraw.

As a result, when there is enough balance to withdraw, the central processing unit 67 controls the transfer approval unit 65 to transfer the withdrawal amount from the subscriber account to the account of the company to which the central control room (mobile agent) belongs. Treat it as done.

Thereafter, the transfer signal is transmitted to the central control room 5 through the transmitter 64 of the cyber bank 6, and the central control room 5 receives the transfer signal through the signal receiver 52 and then the signal transmitter 53 Is transmitted to the wireless repeater (3).

Accordingly, after receiving the transfer signal from the reception antenna 31 of the wireless repeater 3 and performing the operation of FIG. 3, the transfer signal is transmitted to the signal reception unit 21 of the base station 2, and the base station 2 transmits the transfer signal. The signal transmitter 22 is transmitted to the terminal 1.

Then, the terminal 1 receives the transfer signal through the signal receiving unit 14, and visually and audibly through the display unit 15 and the voice generator 16 under the control of the central processing unit 11. By displaying it externally, the user can recognize it, and if desired, the subscriber prints the result through the print unit 26 and transmits the result.

On the other hand, if the balance of the amount the subscriber wants to withdraw does not remain in the account, the balance signal is transmitted to the terminal 1 in accordance with the above-described operation flow through the display unit 15 and the voice generation unit 16. Display it externally so that the user recognizes it.

(3) loan function

The same operation as in (2) is performed except for an operation in which a loan is directly transferred to a subscriber without an operation of checking the balance of the subscriber account, and the loan amount is transferred from a predetermined company account to the subscriber account.

(4) alarm function

When an emergency occurs, such as a robbery, the subscriber operates the alarm unit 28, and the alarm signal is input to the central processing unit 11, processed, and then transmitted to the base station 2 through the signal transmitter 13. .

Then, the signal receiver 21 of the base station 2 receives the alarm signal and transmits the alarm signal to the wireless repeater 3 again through the signal transmitter 22.

Accordingly, the reception antenna 31 of the wireless repeater 3 receives the alarm signal, performs the operation of FIG. 3, and transmits the signal to the central control room 5 through the transmission antenna 37.

The signal receiving unit 52 of the central control room 5 receives the alarm signal and inputs it to the central processing unit 51. The central processing unit 51 performs arithmetic processing by an arithmetic program and then displays the processing signal. It is displayed to the outside through the unit 55 and the sound generating unit 56 to recognize this and to take prompt action.

(5) Disaster prevention function

The disaster prevention function unit 27 also performs an operation in the same flow as the alarm unit 28.

Although the present invention has been described with reference to specific examples, the present invention is not limited thereto. Of course, modifications and variations are possible within the technical scope of the present invention.

For example, in the present invention, when the service request of the subscriber is input through the terminal 1, the signal is transmitted to the cyber bank 6 via the central control room 5, but the work is processed, but the mobile agent or affiliated store It may be configured to connect to the cyber bank 6 directly from the terminal 1 provided in the terminal 1 to perform the service request of the subscriber.

That is, such a system configuration is possible because each component includes a signal transmitter and a signal receiver that perform almost the same operation.

8 is a block diagram of a terminal according to a second embodiment of the present invention. For example, a fixing device (main device) 100 installed in a counter of a general restaurant, etc., is usually used in combination with the fixing device 100. If necessary, that is, if you want to pay directly at each table is configured an auxiliary terminal 200 that can be used separately from the fixing device (100).

The fixing device 100 is preferably to have the same configuration as the terminal 1 shown in Figure 2, the auxiliary terminal 200 is a terminal (shown in Figure 2 to enable direct card inquiry and payment at each table ( It is preferable to configure the card inquiry settlement unit and display unit, the signal transmitter and the signal receiver in 2).

Therefore, when payment is required directly at each table, the auxiliary terminal 200 may be removed from the fixing device 100 and carried, and the card inquiry and payment may be performed as described with reference to FIG. 2. Subsequently, the approval operation is performed by connecting the auxiliary terminal 200 to the fixing device 100 and inquiring and paying the card contents to the fixing device 100 so as to be performed between the cyber banks.

On the contrary, if the secondary terminal 200 is configured to enable wireless communication, the secondary terminal 200 directly in the field without having to combine the approval operation after the card inquiry and payment at each table to the fixing device 100. By the approval operation can be performed.

In addition, the fixing device 100 may be configured to be coupled to a plurality of auxiliary terminals.

Next, a third embodiment of the present invention will be described in detail with reference to the accompanying drawings.

9 is a schematic diagram of a mobile bank service system according to a third embodiment of the present invention, FIG. 10 is a block diagram of a terminal according to a third embodiment of the present invention, and FIG. 11 is a terminal and a terminal according to a third embodiment of the present invention. 12 is an operation control diagram between a cash card and a credit card joint management network. FIG. 12 is a flowchart of cash withdrawal according to a third embodiment of the present invention. FIG. 13 is a flowchart of a credit card payment according to a third embodiment of the present invention.

As shown in Figures 9 to 13, the terminal 201 of the present invention, which is provided or portable at a merchant, can be used for credit card transaction approval, cash service, cash withdrawal, bank transfer and balance inquiry, electronic money, cash transfer call, Perform point of sale inventory and Internet support.

Cards used in the terminal 201 include a cash card, a debit card, a cash card, a credit card, a corporate card, etc. In the following description, a cash card, a debit card, and a cash card are described as a cash card. It will be described separately.

In the present invention, when paying for the purchase price of goods using a cash card and a corporate card, a predetermined cashback point can be accumulated and cashed based on a predetermined fee, and in the case of a credit card, cashback points are not applied.

The functions performed by the terminal 201 of the present invention are possible by the bank / card company 202 and the mobile bank service provider 203 connected through the Internet network.

The banking service using the terminal 201 is capable of cash withdrawal, account transfer, balance inquiry, and electronic money functions, and the business of the card company can be authorized for transactions and cash services.

In addition, the operation for the mobile bank service provider 203 is available for emergency bell, cash transfer call, security request signal.

As described above, the terminal 201 of the present invention which performs the above functions for the bank / card company 202 and the mobile bank service provider 203 has the configuration as shown in FIG. 10.

The central processing unit (CPU, 205) is cash withdrawal, account transfer, balance inquiry, electronics to perform the operations for the terminal 201, the bank / card company 202 and the mobile bank service provider 203 of the present invention Signal flows for currency, transaction approval, and cash service, automatic transfer of insurance premiums, processing of expenses by corporate card, payment of purchasers, use of corporate card as cash card, and credit function This is the part to control.

In the CPU 205, for example, when a customer or a corporation purchases a product at a discount store and pays with a cash card or a credit card or a corporate card, the cash card joint management network or The program that selects and transmits data to the credit card joint management network, and cashback points corresponding to a predetermined fee, are charged to the card user's account. In addition, the cash back points corresponding to the remaining fee is provided with a program to be credited to the merchant's account. For example, if 3% is set as the card usage fee, if you purchase and pay 10,000 won, the cashback point corresponding to the predetermined fee is 300% of the 3% fee. The rest is programmed to be automatically credited to merchant accounts and banks. At this time, by setting the commission rate to be lower than the current fee to be used to enjoy the advantages of using the terminal of the present invention. Here, the account for accumulating the cashback points may be further increased as necessary, as well as customers, merchants and banks.

In addition, the CPU 205 stores a program for automatically transferring a predetermined amount of premiums from the insured bank account to the insurer bank account by operation of the terminal when the automatic transfer of premiums is desired.

In addition, the CPU 205 is provided with a program that, when the credit limit for the company that needs a credit is determined, the company is issued a corporate card within the determined limit and can use it as a credit card, credit card and cash card. For example, if you sell liquor to a retailer at a liquor wholesaler for accurate taxation processing, you can pay by cash using the corporate card or by using a corporate card as a credit card. The program is equipped to ensure accurate taxation through transmission.

The cash card management network is, for example, a network for jointly managing information on a cash card issued by a bank, and information on various cash cards in a database is retrieved by the CPU 205 and transmitted to each bank. . In addition, the credit card joint management network is a network for jointly managing information on credit cards issued by a card company, for example, information on various credit cards in a database is retrieved by the CPU 205 to each card company. Is sent.

On the other hand, the cash back points accumulated by the CPU 205 is performed by the user's selection, the selection operation uses a cash (cash) payment button configured in the terminal.

The operation unit 206 is composed of buttons for inputting data for performing functions such as cash withdrawal (including other transactions), account transfer (including other transactions), balance inquiry, and electronic money, and the card reader 207 reads various cards. By inputting the read result into the CPU 205, information such as the card number is transmitted to the cash card management network or the credit card management network according to the type of card used.

The operation unit 206 is further provided with a button for performing a premium storing function and a button for using a corporate card.

All the signals operated by the operation unit 206 and input to the CPU 205 and the results processed by the cash card joint management network or the credit card joint management network are all stored under the control of the CPU 205. 208 is stored and managed.

The monitor 209 selectively uses a TFT liquid crystal monitor or a general CRT monitor as a part for displaying a result of the signal manipulated through the operation unit 206 processed by the cash card management network or the credit card management network.

The printer 210 is a part that prints the result of the signal input through the operation unit 206 is processed by the cash card management network or credit card management network, the pin pad 211 is to enable the connection to the peripheral device Part.

The transmission unit 212 is a part for outputting the request signal input through the operation unit 206 to the host computer 220 to be transmitted to each bank or card company through the cash card joint management network or credit card joint management network, the receiving unit 213 ) Is a part that receives a signal processed by each bank or card company through the host computer 220. At this time, without configuring the host computer 220, the request signal may be configured to be directly transmitted from the terminal 201 to each bank or card company through the cash card joint management network or credit card joint management network.

This signal transmission and reception flow is shown in FIG.

That is, the request signal transmitted from the transmitter 212 is transmitted from the host computer 220 to the cash card joint management network 221 or the credit card joint management network 222, and conversely, the cash card joint management network 221 or The request signal processing data transmitted from the credit card common management network 222 is input to the CPU 205 of the terminal through the receiving unit 213 so that not only the confirmation through the monitor 209 but also the printer 210 can be printed. do.

The operation flow using the terminal according to the third embodiment of the present invention configured as described above is as follows.

12 is a flowchart of cash withdrawal, when a customer wants a cash withdrawal (transfer to another bank account), the merchant transmits a cash withdrawal request signal to another account through the terminal 201 to the host computer 220. . That is, when a card number or the like is read by the card reader 207 of the terminal 201 and the customer manipulates a signal of the desired amount through the operation unit 206, the operation signal is input to the CPU 205 and processed. After the output to the transmission unit 212 is transmitted to the host computer 220 through the Internet. At this time, the contents manipulated by the operator are displayed on the monitor 209 by the processing of the CPU 205 to determine whether the contents are correct.

Thereafter, the host computer 220 transmits the transmitted cash withdrawal request signal to the cash card management network 221. Therefore, the cash card management network 221 determines whether the card number, etc. is the other account, and transmits the determination result to the bank so that the bank transfers cash from the cash card account used by the customer to the other account. .

When the transfer of the cash account at the bank is completed, the completion signal is transmitted from the cash card management network 221 to the host computer 220 and processed, and then input to the CPU 205 through the receiving unit 213 of the terminal 201. By doing so, the result of the processing is printed on the display or the printer 210 through the monitor 209 to be confirmed by the customer or the merchant.

FIG. 13 is a flow chart of a cash card payment. For example, when a customer purchases an item at a discount store and pays with a cash card, the card reader 207 reads information such as a card number and inputs the information to the CPU 205. Accordingly, the CPU 205 determines the cashback point of the purchase cost and the corresponding fee, and stores it in the memory means and transmits it to the host computer 220 through the transmitting unit 212 to the cash card management network 221. Send information inquiry request signal such as card number.

Accordingly, the cash card management network 221 inquires the information such as the card number and transmits the inquiry result to the bank, the bank in the purchase price of the goods determined by the CPU 205 of the terminal 201 and the fee accordingly Some of the cashback points are credited to the customer's account, and some of the cashback points are credited to the merchant account and the bank so that they can be cashed at any time. As described above, the cashback point may add various places other than the customer, the affiliated store and the bank. Thereafter, the bank transmits a payment approval signal to the host computer 220 to be input to the CPU 205 through the receiving unit 213 of the terminal 201.

Therefore, the CPU 205 processes the input signal and displays it on the monitor 209 so that the customer and the affiliated store can be confirmed.

In the case of using a corporate card, the same operation as described above.

In FIG. 13, when paying for the purchase price of a product by a credit card instead of a cash card, a separate cashback point is the same as the payment flow by the cash card except that a predetermined cashback point is not accumulated in the customer and the affiliated store.

Next, the premium storing function flow operation using the terminal according to the third embodiment of the present invention will be described.

First, when an insurance agent visits a customer (insurance subscriber) regardless of time and wants to automatically transfer a predetermined amount of insurance premiums, the insurance premiums must be paid by the subscriber by pressing the premium storage button provided on the operation unit 206 of the terminal. After pressing the number corresponding to, press the subscriber's bank account number to transfer the premium and the bank account number of the insurance company to receive the premium.

Accordingly, the CPU 205 receiving the button signal processes this, reads the subscriber's bank account number and the insurance company's bank account number, stores them in the memory 208 together with the transfer amount, and transmits them to the host computer (transmitter 212). 220, the host computer 220 processes it and transmits it to the cash card management network 221, so that the cash card management network 221 searches for the subscriber's bank account and transfers the balance as much as possible. After checking if the balance is sufficient, it will be automatically transferred to the insurance company's bank account number.

Thereafter, the cash card management network 221 transmits the premium transfer operation completion signal to the host computer 220 for processing, and the host computer 220 transmits the processing signal to the CPU 205 of the terminal 201. The CPU 205 causes the premium debit processing result to be displayed on the monitor 209. At the same time, if the terminal user wants to print the processing result by driving the printer 210 so that the terminal user can visually check the premium transfer result.

In the case of using a corporate card by using the terminal according to the third embodiment of the present invention, for example, the buttons for performing the expense processing, payment for purchases, credit card and cash card functions and credit functions are subdivided, respectively. .

Here, the expense processing and payment of the purchaser and the function of using as a credit card and a cash card are as described above, and the credit function is not different.

For example, if a corporate card is used for payment of alcoholic beverages, a card reader 207 may be sold when a predetermined amount of alcohol is sold and the amount corresponding to the sales amount is entered through the operation unit 206 to display the corporate card. The corporate card is read and the reading result is input to the CPU 205.

Therefore, the CPU 205 transmits a processing signal to the host computer 220 through the transmission unit 212 to settle the liquor sales price manipulated by the operation unit 206 based on the reading result of the card reader 207 and the host computer. In operation 220, the processing signal is transmitted to the cash card management network 221 or the credit card management network 222. At the same time, the CPU 205 distributes the cashback points corresponding to the payment price to the liquor buyers and sellers at a certain rate to earn.

Accordingly, the cash card management network 221 or the credit card management network 222 requests the bank 10 or the card company 23 to pay the price of the liquor sale, and the bank 10 or the card company 23. The payment made by the company is sent to the IRS. Therefore, the IRS can accurately process taxation based on the transmitted payout data.

14 is a fourth embodiment of the present invention, when the electronic money is connected to the charging unit 214 of the terminal 201 provided at the affiliated store, and the charging signal is transmitted through the operation unit 206, the charging signal is a wireless communication network 230 Is transmitted to a charging station 231 at a remote location. Therefore, the controller 232 of the charging station 231 determines this and controls the power to be transmitted to the terminal 201 by the amount of charge input through the operation unit 206. That is, when the power supply unit 233 generates predetermined power and transmits it to the communication network 230 under the control of the controller 232, the communication network 230 transmits it to the terminal 201 to charge the electronic money.

While the present invention has been described with reference to specific embodiments, the present invention is not limited thereto, and modifications and variations may be made within the scope of the technical idea of the present invention.

According to the terminal of the present invention as described above has the following advantages.

First, according to the terminal for the cyber mobile banking service system, the function of connecting the terminal and the cyber bank eliminates the inconvenience of using a conventional bank and an automatic deposit and withdrawal device, and there is an advantage that the transaction with the bank is convenient and safe in the field.

Second, there is an advantage that can be immediately loaned a predetermined amount through the cyber bank account of the merchant and the customer (subscriber) by giving the function of connecting the terminal and the cyber bank.

Third, there is an advantage to shorten the response time by using a wireless connection method in normal times, and to improve the use efficiency by reducing the connection failure rate by a wired connection when the wireless call is unavailable.

Fourth, there is an advantage that can be used very conveniently because it can be used in combination with the fixing device in the usual, can be separated and carried when necessary.

Fifth, the cash card joint management network and credit card joint management network allows the use of cash cards and credit cards compatible regardless of the type of cash on-site direct payment is very convenient. In other words, the purchase of goods can be transferred to the cash account transfer and cash withdrawal function can be immediately deposited to the merchant main account. In this case, when purchasing goods by cash account transfer, it is possible to provide various cash back services to customers and merchants.

Sixth, it includes all the functions of the existing credit card checker, and can easily implement the electronic money function to be expanded in the future.

Seventh, the existing computer / telephone / credit card inquiry can be integrated and operated with one terminal.

Eighth, it is very convenient because it has a function of charging electronic money at a remote place.

Ninth, premiums can be automatically transferred directly from the site, and corporate credits with a credit limit determined for a given company can be used as credit cards, credit cards and cash cards, and at the same time, they are processed correctly with the IRS. There is an advantage to make this possible.

Claims (8)

A central processing unit which collectively controls the overall operation of the device to give the deposit and withdrawal and balance inquiry and loan functions for the subscriber's account in a wired and wireless manner while the mobile agent is in possession or at the affiliated store; An account transfer unit having a function of transferring a subscriber's service request signal to the central processing unit from another subscriber's account to another's account; A cash withdrawal unit having a function of depositing or withdrawing cash; An operation unit composed of a check and an electronic money inquiry unit having a function of checking a check and inquiring an electronic money and an account balance of a subscriber; A card inquiry payment unit having a function of inquiring and paying card numbers such as a credit card, a debit card, and a membership card; A signal transmitter which transmits the service request signal of the subscriber to the telephone station network by wireless repeater or by wire under the control of the central processing unit; Signal receiving unit for receiving the wired or wireless wired and wireless signal of the result of the cash withdrawal and balance inquiry performed by the subscriber; A display unit for visually displaying the current mode and state set in the device, and visually displaying the service request of the subscriber and the result of the execution; A voice generating unit for audibly displaying the current mode and state of the device and audibly displaying the service request of the subscriber and the result of its execution; A counter unit having a current time data and a time data backup function; Switching unit for switching the operation type of the device by wire or wireless; A printing unit which prints the inquiry and the payment result as printed matter; Disaster prevention function unit connected to the security device to have a disaster prevention function; An alarm unit for generating and transmitting an emergency signal by telephone or wireless communication in an emergency situation; And a wireless communication unit configured to transmit a signal to a wireless modem of a neighboring subscriber when the service request signal of the subscriber cannot be transmitted to the central control room due to disconnection and communication failure. A signal receiver which receives a subscriber's service request signal from a terminal so as to receive the subscriber's service request signal and its work performance result signal wirelessly, or receives the subscriber's service request result signal from a wireless repeater; A central processing unit for processing the service request signal and the business performance result signal of the subscriber received in the signal receiving unit; And a base station configured to transmit a service request signal of a subscriber to a wireless repeater or a signal transmitter to transmit a service request work result signal to a wireless repeater. A telephone station network that receives a subscriber's service request signal and its work performance result signal by wire; Receiving the service request signal of the subscriber wirelessly from the wireless repeater or the wired network from the telephone station network, and the overall operation of the device to transmit the performance result signal to the wireless repeater wirelessly or to the telephone station network by wire A central processing unit for controlling; A signal receiving unit for receiving a service request signal of a subscriber through a wireless repeater or a telephone station network and receiving a signal of a result of performing a work from a cyber bank; Signal transmitting unit for transmitting the business performance result signal received from the cyber bank to the wireless repeater or telephone station network; An operation unit for inputting an operation signal necessary in the control room to the central processing unit; A display unit for visually displaying the current mode and state set in the device, and visually displaying a service request of the subscriber and a result of performing the same; A voice display unit for audibly displaying the current mode and status of the device and for audibly displaying the subscriber's service request and its performance; A counter unit having a current time data and a time data backup function; And a central control unit configured to select whether to receive the service request signal and the result signal of the subscriber by wire or wirelessly. And A power supply unit supplying driving power to perform a service task requested by the subscriber; A subscriber information unit for storing information related to subscribers; Signal receiving unit for receiving the service request signal of the subscriber transmitted from the mobile agent or the merchant terminal through the central control room; Signal transmitting unit for transmitting the service request work performance result signal of the subscriber to the central control room; A transfer approval unit which transfers or approves the transfer from the predetermined company account to which the mobile agent and the central control office belong to the subscriber account and the settlement thereof in order to settle the service request work of the subscriber; A business performance result transmission unit for transmitting the service request business performance result of the subscriber to the central control room and the terminal; And a central processing unit programmed to control the system as a whole. A terminal comprising a fixing device having a configuration of the terminal of claim 1, and an auxiliary terminal capable of card inquiry and payment by wired or wireless, wherein the auxiliary terminal is detachable from the fixing device. A control unit configured to input data for performing functions such as cash withdrawal (including other transactions), account transfer (including other transactions), balance inquiry, electronic money, and cash (cash) payment; A card reader which reads various cards and transmits information such as a card number to a cash card management network or a credit card management network according to the reading result; When a customer purchases an item at a discount store and pays with a credit card or a credit card, a program for selectively sending data to a cash card management network or a credit card management network according to different card types and reading results of the information stored therein; If the customer pays for the purchase price of the goods with a cash card, cashback points corresponding to a predetermined fee among the fixed amount of money are credited to the account of the card user (customer), and the cashback points corresponding to the remaining fees are to the account and bank of the merchant. A central processing unit equipped with a program for earning; A monitor for displaying a request signal operated through the operation unit and a processing result signal thereof; A printer for printing a result of the signal input through the operation unit processed by each bank or card company; A transmission unit for processing the request signal inputted through the operation unit by a central processing unit and outputting the request signal to a host computer through a cash card management network or a credit card management network to be sent to each bank or card company; A receiving unit for receiving a signal processed by each bank or card company through a host computer and inputting the signal to the central processing unit; And Terminal comprising a charging unit for charging the electronic money. When the charging signal is transmitted through the operation unit while the electronic money is connected to the charging unit, the charging unit receives the charge signal from the remote charging station and transmits the amount of power determined by the control unit from the power supply unit to the charging unit to charge the electronic money. Terminal. A control unit configured to input data for performing functions such as cash withdrawal (including other transactions), account transfer (including other transactions), balance inquiry, electronic money, and cash (cash) payment; A card reader which reads various cards and transmits information such as a card number to a cash card management network or a credit card management network according to the reading result; When a customer purchases an item at a discount store and pays with a credit card or a credit card, a program for selectively sending data to a cash card management network or a credit card management network according to different card types and reading results of the information stored therein; If the customer pays for the purchase price of the goods with a cash card, cashback points corresponding to a predetermined fee among the fixed amount of money are credited to the account of the card user (customer), and the cashback points corresponding to the remaining fees are to the account and bank of the merchant. A program that allows you to earn credits, a program that automatically transfers a certain amount of insurance premiums from the insured bank account to the insurer bank account by the operation of the terminal if you want automatic account transfer of insurance premiums, and a corporate card with a credit limit. Company credit card, credit card and present card The program allows you to use your card and pays your purchases in cash using your corporate card or your credit card as your credit card for accurate taxation. A central processing unit equipped with a program for accurate taxation; A monitor for displaying a request signal operated through the operation unit and a processing result signal thereof; A printer for printing a result of the signal input through the operation unit processed by each bank or card company; A transmission unit for processing the request signal inputted through the operation unit by a central processing unit and outputting the request signal to a host computer through a cash card management network or a credit card management network to be sent to each bank or card company; A receiving unit for receiving a signal processed by each bank or card company through a host computer and inputting the signal to the central processing unit; And Terminal comprising a charging unit for charging the electronic money. If the customer wants a certain amount of cash withdrawal (transfer to another bank account), the merchant sends the cash withdrawal request signal to the other computer through the terminal to the host computer through the terminal network and monitors the contents operated by the operator. Recognizing operation contents by being displayed through; The host computer transmits the transmitted cash withdrawal request signal to the cash card management network to determine whether the card number is the other account, and transmits the result of the determination to the bank to transfer the account from the cash card account used by the customer. Transferring the cash to the bank; And When the bank transfer is completed, the completion signal is transmitted to the host computer from the cash card management network, processed and input to the central processing unit of the terminal. The result of the processing is printed on a display or printer through a monitor. Cash account transfer method characterized in that consisting of a step to enable confirmation at the customer or merchant. When a customer purchases an item at a discount store and pays with a cash card, the card number is read by a card reader and input to the central processing unit; The central processing unit determines the cashback point of the purchase cost and the corresponding fee, and stores it in the memory means, and transmits it to the host computer to transmit the information inquiry request signal such as the card number to the cash card management network. ; The cash card joint management network searches for information such as card number and transmits the result of the inquiry to the bank, and the bank determines the cashback points corresponding to the purchase cost of the goods and the corresponding fee determined by the central processing unit of the terminal. Accumulating along; And A cash payment method comprising the steps of making the signal processed by the central processing unit to be recognized by displaying on a monitor. In the case of using a corporate card for payment of merchandise sales price, sell the product, enter the amount corresponding to the sales amount through the control panel, and look up the corporate card, and the card reader reads the corporate card and displays the result of the reading. Inputting to; The central processing unit transmits a processing signal to the host computer to transmit the processing signal to the cash card joint management network or the credit card joint management network based on the reading result of the card reader. At the same time distributing cash back points corresponding to the selling price to be accumulated to buyers and sellers; The cash card joint management network or the credit card joint management network is a step of requesting a bank or a card company to pay the goods sale price; And Method of payment of the sale price of the corporate card, characterized in that consisting of the step of transmitting the payment to the IRS paid by the bank or card company.