KR100359650B1 - Cyber mobile banking service system and method thereof - Google Patents

Abstract

According to the present invention, the banking on the cyber market is performed by the cyber bank, the actual account management and operation by the general commercial bank, and the branch management and the after-sale service by the predetermined company. The present invention relates to a cyber mobile banking service system that can be provided with the same services as actual banking. According to the cyber mobile bank service system according to the present invention, a cyber bank subscriber, a terminal of a predetermined company, and a cyber bank and a general bank are configured to take deposit and withdrawal, and the predetermined company receives a mobile bank service request from a consumer, according to the request. Perform bank deposit and withdrawal, send and receive information to subscribers using wireless terminal, settle with cyber bank regarding deposit and withdrawal, and cyber bank and general bank send and receive related company's deposit and withdrawal Receiving information and database management, mobile bank service use member's input / withdrawal settlement tasks, the settlement result confirmation email or confirmation telephone service to the subscriber.

Description

Cyber mobile bank service system and service method {CYBER MOBILE BANKING SERVICE SYSTEM AND METHOD THEREOF}

The present invention relates to a cyber mobile bank service system and a service method.

In more detail, the present invention is a cyber bank in the cyber bank, the actual account management and operation is a general commercial bank, and the branch management and after-sales service may be a service security company (general company). It is related to a cyber mobile banking service system that allows a customer to be provided with the same tasks as a real banking business by combining a security company's sales organization and cyber banks.

In the usual way, for example, if you want to find the money deposited in your account, the depositor should visit the bank in person and present the bankbook and seal, and make sure that you are the right person, or withdraw money or use an automatic withdrawal device. Enter your password, verify your identity, and use it to withdraw money.

Therefore, not only was it cumbersome for the depositor, but there was a drawback that the bank or automatic withdrawal device had to be used with anxiety when there was a lot of money withdrawn due to occasional robbery or the like.

In order to make up for such drawbacks, various services have been developed for banking after the bank deadline and after the automatic corner service time for the late-night economic population.

However, there is no service for cash distribution in the real economy, and there is no way to deposit money or withdraw cash for a small amount of money simply because of the risk of holding cash. There are a lot of operational problems, but many of them are unable to respond actively.

In particular, most of the small business owners who finish their work late at night are leaving their homes with cash of 1-2 million won, and there are risks such as robbery and snatching. Many customers who are chased by busy schedules are struggling when they need a small amount of cash, so a solution that can be actively addressed will help attract customers and attract money.

Accordingly, an object of the present invention is to provide a cyber mobile bank service system and a service method that can solve the inconvenience of using such a conventional bank and automatic withdrawal device and can conveniently and securely deal with a bank through a predetermined company.

It is another object of the present invention to provide a cyber mobile bank service system and a service method which can be conveniently used even after the working hours of an actual bank are terminated in a region where a bank and an automated teller machine are not near.

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

2A and 2B are schematic diagrams when a subscriber requests service.

3 is a configuration diagram of a transmission system provided in a control center to perform a service request of a subscriber.

4 is a block diagram of a wireless repeater system for transmitting a command to a mobile worker performing a service request of a subscriber.

5 is a configuration diagram of a terminal carried by a mobile worker.

6 is a system configuration diagram of a cyber bank.

7 is a basic operating system required to provide a service of the present invention.

8 is a flowchart illustrating the operation of a withdrawal agency service.

9 is an example of projecting a digital payment system covering offline and online according to another embodiment of the present invention.

Explanation of symbols on the main parts of the drawings

1 ------ Subscriber 2 ------ Control Center

3 ------ Cyber Bank

Cyber mobile bank service system of the present invention for achieving the above object, the terminal of the subscriber requesting the cyber mobile bank service; A control center that receives subscriber's request for service and checks subscriber information, amount, site and contact information; A wireless repeater for receiving subscriber information and requests transmitted from the transmission system of the control center; A mobile agent's terminal that performs the request of the subscriber received through the wireless repeater and transmits the result of the execution to the control center through the wireless repeater using the wireless terminal; And a cyber bank that receives the work performed by the mobile worker from the transmission system of the control center and settles the deposit and withdrawal.

The transmission system of the control center includes a subscriber request transmitter for transmitting a service request of a subscriber to a mobile agent's terminal through a wireless repeater; A task performing result receiving unit which receives a task performing result of the mobile worker from the terminal of the mobile worker through a wireless repeater; Inquiry request that requests subscriber information to cyber bank based on business performance information input from mobile worker's terminal, and transfers the amount requested by subscriber from the company's pocket (account) to the subscriber's pocket (account). part; And an approval receiving unit that receives the information approved for issuing a deposit payment, receiving a deposit agency fee, and issuing a receipt to the subscriber's terminal based on the inquiry result from the cyber bank.

The terminal carried by the mobile agent receives the service request of the subscriber transmitted from the control system of the control center through the wireless repeater and is related to whether there is enough cash in the subscriber pocket (account) to perform the service request. Signal receiving unit for receiving information from the cyber bank; An operation unit having a plurality of function keys for manipulating data to be transmitted to a transmission system after fulfilling a request of a 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; A voice display unit for audibly displaying the current mode and status of the device and for audibly displaying the subscriber's service request; A signal transmitting unit for transmitting a signal for confirming whether the cash is sufficient to carry out the subscriber's request in the cyber bank, and a result of performing the subscriber's service request to the transmission system of the control center through a wireless repeater; A counter unit having a current time data and a time data backup function; And a microprocessor programmed to collectively control the operation of the system.

The cyber bank includes a power supply unit for supplying a driving power; A subscriber information unit which stores all the necessary information about the subscriber; Receiving unit for receiving the confirmation request related to the subscriber transmitted from the mobile agent terminal through the wireless repeater, and the transmission system receives a signal related to the industrial affairs based on the work performance result; A transmitting unit for transmitting a signal for confirming matters related to the subscriber requested by the mobile agent through the terminal and a result signal of processing matters related to reconciliation from the transmission system to the terminal and the transmission system of the mobile agent, respectively; A transfer approval unit for transferring and approving a subscriber's pocket from a predetermined company pocket to which the control center belongs to settle the subscriber's request based on the information related to the industrial affairs transmitted from the transmission system; A task performing result sending unit which sends the result of performing the request of the subscriber to the control center and the subscriber; And a microprocessor programmed to collectively control the system.

Such cyber mobile bank service areas include, for example, those who can use banking services and ATMs, but who want to withdraw cash without using the service after the service time has elapsed, ie, Dongdaemun and Namdaemun. Local markets such as the early morning market, special tourist zones and taverns, and banks / ATM terminals, which cannot be used due to space constraints, such as amusement parks and parks, and around large stadiums such as racecourses and racetracks.

In order to achieve the above characteristics, as shown in FIG. The account to be used, the cyber bank account 51 which can be freely transferred 24 hours freely, the freely mobile and secure wireless Internet terminal 52, the service rounding belt 53 that can respond to the customer's call in close proximity, and cash There is a need for a responsible business operator 54 having a business system for receiving and delivering payments and an associated business operator 55 capable of creating new users of services.

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

1 is a block diagram of a cyber mobile bank service system according to an embodiment of the present invention, Figures 2a and 2b is a schematic diagram when a subscriber requests a service, Figure 3 is provided in the control center to perform the service request of the subscriber 4 is a block diagram of a wireless repeater system for transmitting a command to a mobile agent performing a service request of a subscriber, FIG. 5 is a block diagram of a terminal carried by a mobile agent, and FIG. 6 is a diagram of a system of a cyber bank. 7 is a basic operating system required to provide a service of the present invention, and FIG. 8 is a flowchart of an operation of a withdrawal service.

1 illustrates a concept of a cyber mobile bank service system according to an embodiment of the present invention, and includes a cyber bank subscriber 1 (terminal), a control center 2, a transmission system 3, and a wireless repeater 4. The mobile agent terminal 5 and the cyber bank 6 are configured to be responsible for deposit and withdrawal.

The control center 2 receives the mobile bank service request from the subscriber 1, performs the bank deposit / withdrawal work according to the request, transmits the deposit / withdrawal information to the subscriber 1 using a wireless terminal, Perform settlement with the cyber bank (6).

The mobile agent 5 performs the cash withdrawal, credit card payment and inquiry for the subscriber 1 using the mobile terminal 5, and transmits the result to the transmission system 3 of the control center 2 Send to

In addition, the cyber bank 6 receives and transmits and transmits database information related to the input and output of the control center 2, settles the deposit and withdrawal of the member using the mobile bank service, and sends the e-mail to the subscriber 1 to confirm the settlement result. Or conduct telephone work.

2A and 2B, the subscriber 1 requests a mobile bank service to the control center 2 using the terminal 10 or the wired / wireless telephone 11. At this time, the subscriber is provided with a personal computer capable of receiving a communication means, for example, an E-mail or the like.

The control center 2 receiving the mobile bank service request of the subscriber 1 uses the transmission system 3 of FIG. 3 to connect the subscriber 1 to the terminal of the mobile agent 5 through the wireless repeater 4 of FIG. 4. Send a command signal to fulfill the service request.

The transmission system 3 shown in FIG. 3 includes a subscriber request transmitter 31 and a mobile agent 5 which transmit the service request information of the subscriber 1 to the terminal of the mobile agent 5 through the wireless repeater 4. The subscriber's information is transmitted to the cyber bank (6) based on the information of the business performance result of the business performance result receiving unit (32) and the mobile agent (5), which is transmitted through the wireless repeater (4). Inquiry request unit 33, which requests to transfer the amount requested by the subscriber from the predetermined company pocket to which the control center 2 belongs to the subscriber pocket, and the subscriber (1) based on the inquiry result from the cyber bank (6) It is composed of the approval receiving unit 34 for receiving the information that is approved to issue a transfer payment confirmation, receipt of deposit fees and receipts.

The wireless repeater 4 shown in FIG. 4 transmits a modulated wave inputted through a receiving antenna 41 and a receiving antenna 41 which select and receive only radio waves of a frequency transmitted from the transmission system 3 among airwaves. A filter 42 for filtering only signals in the frequency band used in the circuit, a resonant circuit 43 for generating the same frequency as the modulated wave for synchronization with the modulated wave input from the filter 42, and receiving the received modulated wave at a predetermined frequency. The original signal inputted from the secondary filter 44 for damping, the intermediate frequency band 45 for restoring the original signal from the predetermined frequency signal damped by the secondary filter 44, and the intermediate frequency band 45 is predetermined. An amplifier 46 for level amplifying and a transmitting antenna 47 for transmitting the signal amplified by the amplifier 46 to the wireless terminal of the mobile worker 5 are provided.

The portable terminal of the mobile agent shown in FIG. 5 receives the service request information of the subscriber 1 transmitted from the transmission system 3 of the control center 2 through the wireless repeater 4 and performs the service request. Manipulate the data to be sent to the transmission system 3 after fulfilling the request of the signal receiver 21, the subscriber 1, which receives information related to whether enough cash is available in the subscriber pocket, from the cyber bank 6; An operation unit 22 having a plurality of function keys, a display unit 23 visually displaying the current mode and state set in the device, and a service request of the subscriber 1 visually, a current mode of the device and The voice display unit 24 that audibly displays the status and audibly displays the service request of the subscriber 1, and cash enough to carry out the request of the subscriber 1 to the cyber bank 6 Check to see if Signal transmitter 25, current time data and time data for transmitting a signal for the service and the result of performing the service request of the subscriber 1 to the transmission system 3 of the control center 2 through the wireless repeater (4) A counter section 26 with a backup function and a microprocessor 27 programmed to collectively control the operation of the system.

The cyber bank 6 shown in FIG. 6 includes a power supply unit 61 for supplying driving power, a subscriber information unit 62 for storing all necessary information for the subscriber 1, and a subscriber transmitted from the terminal of the mobile agent 5 Receiving unit (63), mobile agent (5) receiving the confirmation requirements related to (1) through the wireless repeater (4), and receiving a signal related to the industrial affairs based on the work performance results from the transmission system (3) The signal confirming the matter related to the subscriber 1 requested through this terminal and the result signal of the matter related to the clearing business from the transmission system 3 are transmitted to the terminal and the transmission system 3 of the mobile worker 5. Based on the information related to the clearing business affairs transmitted from the transmitting unit 64 and the transmitting system 64 to transmit, the subscriber pocket from the predetermined company pocket to which the control center 2 belongs is arranged to settle the subscriber request performed by the mobile agent 5. Transfer and In order to control collectively the transfer approval unit 65, the business performance result transmission unit 66 which transmits the result of performing the request of the subscriber 1 to the control center 2 and the subscriber 1, and the system. It is characterized by consisting of a programmed microprocessor (67).

The business performance result transmission unit 66 may be any communication system capable of informing the control center and subscribers of the business performance results. For example, an e-mail using a personal computer may be one example of the means.

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

(1) Deposit agency service

If the subscriber (1) requests the control center (2) to deposit cash (or check) in his account, the control center (2) accepts it, but the subscriber's current location, contact information and necessary information Check and transmit to the terminal of the mobile agent 5 through the radio repeater 4 using the transmission system 3 to perform the request of the subscriber (1).

That is, when the subscriber request is transmitted to the wireless repeater 4 through the subscriber request transmitter 31 of the transmission system 3, the reception antenna 41 of the wireless repeater 4 receives the filter 42 and the resonance circuit. After the above-described operation is performed by the furnace 43, the secondary filter 44, the intermediate frequency band 45, and the amplifier 46, the operation performing result signal is transmitted through the transmission antenna 47. ) To the terminal.

Accordingly, the mobile worker moves to the place where the subscriber 1 is located, receives the deposit request amount, and transmits necessary information, for example, the subscriber's personal information and account number, through the wireless repeater 4 using the terminal. To the system 3.

That is, when the receiving antenna 41 of the wireless repeater 4 receives this signal, the filter 42, the resonant circuit 43, the secondary filter 44, the intermediate frequency band 45, the amplifier 46 After performing the above-described operation, the performance result signal is transmitted to the work performance result receiver 32 of the transmission system 3 through the transmission antenna 47.

Accordingly, the receiving unit 32 transmits the business performance result signal to the inquiry requesting unit 33 and transmits the signal to the receiving unit 63 of the cyber bank 6 again. Accordingly, the receiving unit 63 transmits this signal to the central processing unit 67, and the central processing unit 67 searches for the subscriber information unit 62 to provide necessary information about the subscriber 1, for example. For example, the bank account number can be inquired, and the amount requested by the subscriber is deposited into the account.

Thereafter, the transmission unit 64 of the cyber bank 6 transmits the processing result signal to the transmission system 3 to settle the control center 2, and at the same time, the business performance result transmission unit 66 transmits the processing result. By transmitting to the subscriber 1 and the control center 2 using a communication means such as e-mail, the subscriber 1 and the control center 2 recognize the processing result.

(2) withdrawal agency service

8 is a flowchart illustrating the operation of a withdrawal agency service.

If the subscriber 1 requests the control center 2 to withdraw cash from his account, the control center 2 accepts it, but checks the current location, contact information and necessary information of the subscriber 1, In order to perform the request of the subscriber 1, the transmission system 3 transmits the data to the mobile worker 5 through the wireless repeater 4.

That is, when the subscriber request is transmitted to the wireless repeater 4 through the subscriber request transmitter 31 of the transmission system 3, the reception antenna 41 of the wireless repeater 4 receives the filter 42 and the resonance society. After the above operation is performed by the furnace 43, the secondary filter 44, the intermediate frequency band 45, and the amplifier 46, the operation performing result signal is transmitted through the transmission antenna 47. ) To the terminal.

Accordingly, the mobile agent moves to the place where the subscriber 1 is located, receives the amount of money requested for withdrawal, and uses the terminal to check whether the amount of the requested cash is in the cyber bank 6. Information necessary for the receiver 63 of (6), for example, a subscriber account number, is transmitted through the wireless repeater 4.

That is, when the receiving antenna 41 of the wireless repeater 4 receives this signal, the filter 42, the resonant circuit 43, the secondary filter 44, the intermediate frequency band 45, the amplifier 46 After performing the above-described operation, the resultant signal is transmitted to the receiver 63 of the cyber bank 6 through the transmission antenna 47.

Accordingly, the receiver 63 transmits the signal to the central processing unit 67 to search the subscriber information unit 62 to check whether the amount requested by the subscriber is in the account.

The result of the confirmation is again transmitted to the wireless repeater 4 through the transmitter 64 of the cyber bank 6, and the wireless repeater 4 transmits this signal to the signal receiver 21 of the mobile terminal of the mobile worker. By doing so, the mobile operator can check through the display unit 23 and the voice display unit 24.

If the amount of cash requested by the subscriber 1 is in the subscriber's account, the mobile worker pays the amount of cash requested by the subscriber, and the processing result signal is transmitted through the signal transmission unit 25 of the terminal. The result is transmitted to the receiver 32.

Accordingly, the receiving unit 32 transmits the business performance result signal to the inquiry requesting unit 33 and transmits the signal to the receiving unit 63 of the cyber bank 6 again. Accordingly, the receiving unit 63 transmits this signal to the central processing unit 67, and the central processing unit 67 searches for the subscriber information unit 62 to provide necessary information about the subscriber 1, for example. For example, the bank account number can be inquired, and the amount requested by the subscriber is withdrawn from the predetermined company account to which the control center belongs.

Thereafter, the transmission unit 64 of the cyber bank 6 transmits the processing result signal to the transmission system 3 to settle the control center 2, and at the same time, the business performance result transmission unit 66 transmits the processing result. By transmitting to the subscriber 1 and the control center 2 using a communication means such as e-mail, the subscriber 1 and the control center 2 recognize the processing result.

On the other hand, if the amount of cash requested by the subscriber 1 is not in the subscriber's account, the mobile agent uses the credit card payment machine carried by the mobile agent to pay with the subscriber's credit card and process the resulting signal in the above-described operation flow sequence. do.

According to another embodiment of the present invention, as shown in FIG. 9, it is also possible to project a digital payment system that covers offline and online, such as credit card inquiry and payment, cash withdrawal, electronic payment, electronic money.

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

That is, in the present invention, the case of deposit and withdrawal has been described as an example, but any kind of service may be performed as long as it is a service of an area that can be performed by the cyber mobile bank service system of the present invention.

According to the cyber mobile bank service system of the present invention as described above, there is an advantage that it is possible to solve the inconvenience of using a conventional bank and automatic teller machine, and to conveniently and safely deal with a bank through a predetermined company.

That is, the customer can immediately travel to the place where the customer wants to receive cash and process the deposit in the customer's cyber bank account, or the funds required by the customer can be withdrawn directly from the cyber bank account in the field. Such services can be provided 24 hours a day, 7 days a week, at regular times with customers, or from time to time when needed, and when they are called, they can arrive at the site in the shortest time to perform the tasks they require. There is a huge advantage.

In addition, in the case where the bank and automatic teller machine are not nearby, there is an advantage that it can be conveniently used even after the actual business hours of the bank.

In addition, according to an embodiment of the present invention, there is an advantage that can be used for electronic commerce using the Sea Pocket card.

Claims (6)

delete A terminal of a subscriber requesting cyber mobile banking services; A control center that receives subscriber's cyber mobile bank service request through wired or wireless and checks subscriber information, amount, site and contact information; A wireless repeater for receiving subscriber information and requests transmitted from the transmission system of the control center; A mobile agent's terminal that performs the request of the subscriber received through the wireless repeater and transmits the result of the execution to the control center through the wireless repeater using the wireless terminal; And A cyber mobile banking service system comprising a cyber bank that transfers a work performed by a mobile agent through a terminal and receives it from a control system of a control center and settles the deposit and withdrawal. According to claim 2, wherein the transmission system of the control center, A subscriber request transmitter for transmitting a service request using a subscriber's terminal to a mobile agent's terminal through a wireless repeater; A task performance result receiver which receives the task performance information transmitted from the mobile agent's terminal through a wireless repeater; An inquiry request unit for inquiring subscriber information to the cyber bank based on the performance information transmitted from the mobile agent's terminal, and requesting a transfer of the amount requested by the subscriber from the predetermined company pocket to which the control center belongs to the subscriber pocket; And The cyber mobile bank service system, characterized in that consisting of an approval receiving unit for receiving the information approved to issue transfer receipts, receipt of deposit fees, and receipts to the subscribers based on the inquiry results from the cyber bank. The terminal of claim 2, wherein the mobile worker carries the terminal. A signal receiving unit receiving a service request of a subscriber transmitted from a control system of a control center through a wireless repeater, and receiving information related to whether or not cash in a subscriber pocket is sufficient to perform a service request from a cyber bank; An operation unit having a plurality of function keys for manipulating data to be transmitted to a transmission system after fulfilling a request of a subscriber; A display unit for visually displaying a current mode and a state set in the device and visually displaying a service request of a subscriber; A voice display unit for audibly displaying the current mode and status of the device and for audibly displaying the subscriber's service request; A signal transmitting unit for transmitting a signal for confirming whether the cash is sufficient to carry out the subscriber's request in the cyber bank, and a result of performing the subscriber's service request to the transmission system of the control center through a wireless repeater; A counter unit having a current time data and a time data backup function; And And a microprocessor programmed to collectively control the operation of the system. The method of claim 2, wherein the cyber bank, A power supply unit supplying driving power; A subscriber information unit which stores all the necessary information about the subscriber; Receiving unit for receiving the confirmation request related to the subscriber transmitted from the mobile agent terminal through the wireless repeater, and the transmission system receives a signal related to the industrial affairs based on the work performance result; A transmitting unit for transmitting a signal for confirming matters related to the subscriber requested by the mobile agent through the terminal and a result signal of processing matters related to reconciliation from the transmission system to the terminal and the transmission system of the mobile agent, respectively; A transfer approval unit for transferring and approving a subscriber's pocket from a predetermined company pocket to which the control center belongs to settle the subscriber's request based on the information related to the industrial affairs transmitted from the transmission system; A task performing result sending unit which sends the result of performing the request of the subscriber to the control center and the subscriber; And A cyber mobile banking service system comprising a microprocessor programmed to control the system as a whole. delete