KR100466822B1 - Currency-exchange system & method for using card in Bank - Google Patents

Abstract

Disclosed are a card exchange system and a method of a bank which enable exchange of money with only a card.

The card exchange system of the bank according to the present invention comprises a currency exchange terminal for receiving card information and password; An exchange server for receiving the card information and the password from the exchange terminal, processing the request of the exchange terminal, and transmitting the result to the exchange terminal; A financial server which receives an account inquiry and card withdrawal request of the card from the exchange server, performs an account inquiry and card withdrawal, and transmits the result to the exchange server; And a main server that receives the card exchange history, the municipal acquisition request and the account processing request from the currency exchange server, processes the branch accounting and the call-by-call accounting, and transmits the result to the exchange server.

According to the present invention, it is possible to easily exchange money with only a card without cash or check.

Description

Bank exchange system and its method {Currency-exchange system ＆ method for using card in Bank}

The present invention relates to a card exchange system and a method of a bank which enables exchange of money with a card without cash or check.

More specifically, the present invention includes a currency exchange terminal including a card input unit required for card recognition, and a pin pad for receiving card information, currency exchange information or a card password, and the like through cash and through the computer terminals and the financial computer network of the exchange office. The present invention relates to a card exchange system and a method of a bank which can reduce the processing time and burden of exchange and reduce the inconvenience and risk of the user's cash by replacing the check exchange with a card payment.

Currency exchange means the exchange of different types of currency and currency, or currency and money, for example, the exchange of domestic and foreign currencies according to exchange rates.

Currency exchange is one of the main tasks of the bank, and the bank's sales office or headquarters provides currency exchange services, but the exchange can also be done through an internet exchange system or an exchange office. For example, airports and passenger terminals are equipped with bank exchange offices to provide currency exchange services to travelers.

6 is a flowchart illustrating a conventional currency exchange method.

Conventionally, when a user who wants to exchange money visits a branch of a bank and requests for money exchange (p10), the bank is required to present cash or check as money for exchange. In other words, when a user who has only a card without cash or check visits a branch and requests a currency exchange, the bank requests cash or check from the user. In addition, the bank's currency exchange system is also designed to be used for cash or check only.

Therefore, the user who does not prepare cash, withdraw cash on the cash or check through a cash dispenser installed near the exchange office or in the branch (p20), and then visit the exchange window again (p30), It will require extra time and labor due to exchange. Even if the cash required to exchange even if you prepare in advance, even if you have to have a currency exchange window, there is a problem that the risk of loss or robbery due to the possession of cash.

For the bank, if the user pays cash to exchange money, he or she must calculate whether the amount is correct and identify counterfeit bills.If the user presents a check, the user must check the check to determine whether or not an accident check exists. There is a ham.

In addition, there is a problem in that the burden of exchange staff is increased because the cash or check received must be acquired and an exchange presentation procedure must be performed.

In addition, as described above, since the payment means for selling foreign currency is limited to cash or check in the related art, it may be necessary to return a user who has waited for a long time for money exchange without knowing this to return to the ATM or the branch office. In addition to complaints, there is a problem that the image of the bank is lowered and the overall operating profitability of the bank is lowered.

The present invention has been made in view of the above-mentioned problems and solves the above-mentioned problems, and an object of the present invention is to enable the exchange of money to be settled with a card as well as cash and check, so as to exchange money after the user's cash withdrawal. It is to provide a bank exchange system and a method of a bank that can remove the unnecessary time, labor, and risks of carrying cash and carry out simpler exchange operations.

It is another object of the present invention to eliminate the check work by cash and check storage of cashier's staff, reduce the time required for processing according to the degree of acceptance and settlement, and prevent the risk of accidents due to counterfeit bills and accident check handling In addition, the present invention provides a bank card exchange system and a method of improving a bank's image and improving profitability.

The objects of the present invention are not limited to the objects described above, and other objects of the present invention, which are not mentioned above, will be clearly understood by those skilled in the art from the following description. It will also correspond to the object of the present invention.

1 is a block diagram showing a card exchange system of the present invention.

2 is a step-by-step flowchart showing a card exchange method of the present invention.

3 is an exemplary view showing an example of input of the card data of the present invention.

Figure 4 is an exemplary view showing an example of inquiry before withdrawal of the card account of the present invention.

5 is an exemplary view showing an example of the completion of withdrawal and card exchange of the card account of the present invention.

6 is a flow chart showing a conventional currency exchange method.

*** Explanation of symbols for the main parts of the drawings ***

10: currency exchange terminal 12: card input device

14: pin pad 20: currency exchange server

30: main server 40: financial server

In order to achieve the above object, the card exchange system of the bank according to the present invention, the exchange terminal for receiving card information and password; An exchange server for receiving the card information and the password from the exchange terminal, processing the request of the exchange terminal, and transmitting the result to the exchange terminal; A financial server which receives an account inquiry and card withdrawal request of the card from the exchange server, performs an account inquiry and card withdrawal, and transmits the result to the exchange server; It comprises a main server for receiving the card exchange history, billing takeover request and account processing request from the exchange server to process the branch accounting and currency-specific accounting and transmit the result to the exchange server.

The present invention provides a card input unit for receiving card information into the exchange terminal; A pin pad is provided for receiving a password included in the card information.

The present invention is characterized in that the display unit for outputting the card exchange history is formed on the pin pad.

The present invention provides a currency exchange terminal, wherein the exchange terminal receives account information and a balance from the exchange server, withdraws the money, outputs a currency exchange history, and carries out the municipal acquisition and accounting processing; A card withdrawal module for processing cash or check withdrawal of the card; It features a foreign currency selling module that handles cash payments, check payments and card payments.

According to the present invention, the financial server determines whether the corresponding card is a debit card or a debit card, and transmits an account inquiry and a card withdrawal request to the main server in the case of the debit card, and the other card connected to the financial common network. It is characterized by transmitting the result to the exchange server.

The present invention is characterized in that the currency exchange server automatically handles the receipt of the person in charge of the exchange, and averaging the foreign currency selling, and transmits the result to the currency exchange terminal.

The present invention is characterized in that the main server generates a virtual account for the card exchange, after the withdrawal processing the delivery of the person in charge of the exchange to the virtual account.

In addition, the card exchange method of the bank according to the present invention in order to achieve the above object 1) the exchange terminal receives the card information and password to check whether there is an error, the account inquiry and the card withdrawal request data to send to the exchange server Doing; 2) the exchange server receives the account inquiry and card withdrawal request data and transmits it to a financial server; 3) the financial server receiving the account inquiry and card withdrawal request data to query the authenticity of the card and account and transmits the inquiry result to the currency exchange server; 4) The exchange terminal receives the inquiry result from the exchange server to determine the exchange history and the amount of card withdrawal, form a withdrawal data and transmit it to the financial server and the main server through the exchange server to receive the result. Comprising the completion of the exchange and performing the municipal acquisition and internal accounting process; characterized in that it comprises a.

According to the present invention, the financial server determines whether the corresponding card is a debit card or a debit card, and transmits an account inquiry and a card withdrawal request to the main server in the case of the debit card, and the other card connected to the financial common network. It is characterized by transmitting the result to the exchange server.

The present invention is characterized in that the exchange server further comprises the step of automatically processing the transfer of the person in charge of the exchange personnel and averaging foreign currency selling and sending the result to the exchange terminal.

The present invention is characterized in that the main server further comprises the step of generating a virtual account for the card exchange, the withdrawal processing of the person in charge of the exchange personnel after the withdrawal to the virtual account.

The present invention also includes a computer-readable recording medium having recorded thereon a program which can be executed by a computer for the above-mentioned bank card exchange method.

Hereinafter, exemplary embodiments of the present invention will be described in detail with reference to the accompanying drawings. The accompanying drawings are examples for describing embodiments of the present invention, the configuration and operation of the invention shown in and illustrated by the drawings are described in at least one embodiment, whereby the technical spirit and Its configuration and operation are not limited, and the scope of the technical idea of the present invention is not limited / restricted by the drawings or the description with reference to the drawings. In addition, in specifying the reference numerals for the main parts of the drawings, the same reference numerals are used throughout the drawings for the same components. In addition, the detailed description is omitted as far as possible about the well-known contents that obscure or depart from the gist of the present invention.

Currency exchange means buying foreign currency by paying the won from the user's point of view, and selling foreign currency by paying the won from the bank's point of view, so both the bank's foreign currency purchase and the user's purchase of foreign currency mean currency exchange.

1 is a block diagram showing a card exchange system of the present invention, the card exchange system of the present invention is a currency exchange terminal (10); Currency exchange server 20; Main server 30; And a financial server 40.

The exchange terminal 10 includes a card input unit 12 for reading a card of a user and reading the card information, and a pin pad 14 as a security input device for directly inputting a password of the card from the user. It is.

The card input unit 12 reads the card information from the magnetic tape or the smart chip of the card and transmits the read card information to the exchange terminal 10. Here, the card information is MSRE information, and includes account information including a password and a bankbook number, an account number (card number), a bank code, a country code, a currency code, a card application date, and a card random number.

The pin pad 14 is an input device for directly receiving card information for card exchange from a user. For example, when the user inputs the card password through the pin pad 14, the exchange terminal 10 receives it from the pin pad 14, compares it with the password included in the read card information, and authenticates the card use. . That is, the exchange terminal 10 receives the card information and password from the card input unit 12 and the pin pad 14 determines whether there is an error and transmits it to the exchange server 20. The pin pad 14 is shielded by an opaque safety plate so that when the card information is input, its input is not visible to the naked eye. In addition, although not shown in the drawings, the pin pad 14 is provided with a display unit for the user to visually check the card information input from the card input unit 12.

In addition, the currency exchange terminal 10 controls a foreign currency selling module (not shown) for performing a foreign currency selling function and cash, check, and card payment, and controls the card input unit 12 and the pin pad 14 to exchange card. A card exchange module (not shown) for carrying out and a card withdrawal module (not shown) for withdrawing card cash / check is built.

The foreign currency selling module carries out the whole process of exchanging cards in the same manner as foreign currency selling transactions involving cash and checks. In addition, the foreign currency selling module may perform cash, check, and card payment in a complex form. For example, in the case of a card exchange when the exchange receipt is output, the card withdrawal proof is added to the exchange receipt.

The card exchange module receives the card exchange performance from the exchange server 20 and manages foreign currency and won currency for each branch and employee, and performs accounting processing. The card exchange module receives the account information and the balance from the exchange server 20 and withdraws the money by combining the withdrawal information with the exchange information, and performs the municipal acceptance and accounting processing automatically. The card exchange module is automatically driven when the user's card is read from the card input device during the foreign currency sales involving cash and check, and is involved in the currency exchange transaction, even when the user presses the card transaction button. The card exchange module can be operated in combination, such as all cards and some cards, some cash and some checks. In addition, it may be used to withdraw money in excess of the exchange amount and pay the difference in won, or withdraw cash regardless of currency, to purchase airport tickets or pay customs at the convenience of the user.

Card withdrawal module is a module for cash / check withdrawal using a conventional card.

Currency exchange server 20 includes information and database and application necessary for the exchange. Here, the application program is largely divided into a currency exchange server application and a currency exchange client application. The exchange server application performs database processing, network management, various data management necessary for exchange, user management, dialogue, various inquiries and statistical reports, exchange terminal 10 control and requirements processing, and the like. The exchange client application is responsible for the actual exchange operations such as foreign currency / won currency calculation, exchange rate information management, card information processing and control based on exchange rates, and includes all necessary modules.

Currency exchange server 20 is connected to the call exchange terminal 10, and receives a card exchange request and card information and password transmitted from the exchange terminal 10. In addition, in order to allow the financial server 40 to inquire the authenticity of the card and the account, whether the balance is insufficient, etc., the exchange is exchanged with the financial server 40 connected to the financial common network of the main server 30 or the financial settlement agency 50, for example. The information is transmitted, the result is returned, received, and transmitted to the exchange terminal 10. The exchange server 20 receives the other card transaction transmitted from the main server 30 and transmits it to the exchange terminal 10, and the card exchange is a currency exchange that does not involve cash and checks. Manage and carry out all accounting.

The main server 30 receives the card exchange information transmitted from the exchange server 20, is responsible for branch accounting and accounting by currency, and processes the card exchange transaction divided into the won account processing process and the foreign currency account processing process. That is, according to the present invention, when the currency is exchanged using the card, the won is withdrawn from the user's won account, and the foreign currency amount calculated according to the exchange rate is paid to the user by cash. Therefore, when a card transaction occurs during the account processing in the bank, the foreign currency cash payment of the person in charge is started by the process of processing the foreign currency, and then the deposit of the won corresponding to the foreign currency accounting is separately processed. . Here, the person in charge of the exchange does not actually store the original won from the user, so the bank transfers the credit card, and in the case of the bank card, withdraws money directly from the user account and deposits the money into the exchange card account of the branch.

The financial server 40 receives a card withdrawal inquiry request, card withdrawal request, card information and password transmitted from the exchange server 20. If the card account is a current account (current card), the card is determined to be the main server (30) through the internal computer network, and if the other account (another card), the other system through the financial common network. The request message is sent to (60) to inquire and withdraw the authenticity of the card and account and whether the balance is insufficient, and transmits the result to the exchange server 20.

The exchange server 20 receives the result transmitted from the financial server 40 and transmits the card exchange contents to the main server 30. In addition, the transfer of the person in charge of the exchange person is also automatically processed to averaging foreign currency payments without deposit of cash and checks, and transmits the processing result to the exchange terminal 10.

And the card exchange module of the exchange terminal 10 receives the result transmitted from the exchange server 20 and outputs a currency receipt containing a withdrawal statement.

2 is a step-by-step flowchart showing a card exchange method of the present invention.

The card exchange module is immediately activated when a specific event for the card input occurs, such as pressing a card exchange button or a corresponding key or reading a user's card from the card input unit 12 on the foreign currency selling transaction screen in which the exchange officer sells the foreign currency. . That is, when an event occurs by pressing a card exchange button key of a foreign currency selling transaction screen or a user's card is input from the card input unit 12 (s10), the card exchange module included in the exchange terminal 10 is driven.

The driven card exchange module reads the user's card information from the card input unit 12 (s20) and then outputs the card information to the card exchange screen. For example, the driven card exchange module generates a card exchange screen as shown in FIG. 3 and provides the exchange operator. Here, the input card information and the desired currency exchange content may be output to the pin pad 14 through the display unit (S30).

And the card exchange module receives the user's password from the pin pad 14 (s20) and requests the inquiry before the account withdrawal to the exchange server 20.

The exchange server 20 receiving the inquiry before the withdrawal of the account determines whether the credit card or the other card of the corresponding card (s40) and the bank main server 30 through the financial server 40 so as to be suitable for each case, or the financial co-operation. The other system 60 connected to the network inquires the account before the withdrawal of the user (s50) and transmits it to the exchange terminal 10.

The exchange terminal 10 transmits an account withdrawal request to the exchange server 20 (s50), and the account withdrawal request is then processed in the same flow as the inquiry request before the withdrawal of the account. The exchange terminal 10 outputs the proof portion related to the card withdrawal in addition to the foreign currency selling receipt output when the exchange receipt is output, which is issued to the user.

In the case of a card exchange, when a foreign exchange selling transaction is established (s70), the exchange terminal 10 outputs the exchange result through the pin pad 14 (s80). At this time, since the foreign currency was delivered to the user without the receipt of cash and check, the exchange representative is not the balance. Therefore, the card exchange module of the exchange terminal 10 corrects this by requesting the exchange rate of purchase of the won in the exchange server 20 (s90). This is possible by using a virtual account for card exchange previously generated in the main server 30.

In other words, the amount of withdrawal should be accounted for by the person in charge of the deposit, but the cash and check object does not exist. do. At this time, the balance of the virtual account is preferably treated as a real account belonging to the branch, it may be generated by the account for each person in charge or generated and delivered to the account belonging to the main delivery.

3 is an exemplary view showing an example of inputting card information of the present invention.

The card exchange screen is created and displayed on the screen when the user of the exchange presses the card exchange button or the corresponding key or when the user's card is read at any time during a foreign currency trading transaction. Included card information is recorded on the magnetic tape or smart card, such card information is read by the card input unit 12 of the exchange terminal 10 is automatically displayed on the card exchange screen. However, the withdrawal amount input column 300 is formed on the card exchange screen because the withdrawal amount desired by the user may not match the exchange amount.

4 is an exemplary view showing an example of inquiry before withdrawal of the card account of the present invention.

Once the withdrawal amount and currency exchange contents (foreign currency amount and won amount) are confirmed, the card exchange module requests the balance inquiry before the withdrawal of the card account as shown. That is, the card exchange module requests the exchange server 20 to check the balance of the withdrawal account, and the exchange server 20 that receives the request for the account balance transmits it to the financial server 40. The financial server 40 requests the inquiry of the account before withdrawal of the user of the other main system 60 connected to the main server 30 or the financial common network, and transmits the result to the exchange terminal 10, and the exchange terminal 10 ) Receives it and outputs it through the display unit of the pin pad 14 to display it. Here, the display unit of the pin pad 14 may be displayed together with the balance before the withdrawal, the expected balance in consideration of the withdrawal, and the error contents that may occur during the inquiry. The person in charge of the exchange, in consultation with the user, confirms the final currency exchange contents and displays the balance before withdrawal, withdrawal amount and after withdrawal on the pin pad 14 to check whether there is an abnormality from the user.

5 is an exemplary view showing an example of completion of withdrawal and card exchange of the card account of the present invention.

When the exchange transaction is finally established, the exchange officer selects the withdrawal confirmation button 400 in FIG. 4 to request the withdrawal of the card account. The card exchange module requests the withdrawal account from the withdrawal account in the same flow as the inquiry before withdrawing the card account of FIG. 4 to the exchange server 20, and the exchange server 20 receiving the withdrawal request is sent to the financial server 40. send. The financial server 40 determines whether or not the party card or the other party card and withdraws it from the user account of the other party system 60 through the party main server 30 or the financial cooperative network and transmits the money to the money exchange terminal 10.

The foreign currency selling module of the exchange terminal 10 displays the amount withdrawn and performs the same process as the foreign currency selling transaction involving cash and check. In the case of a card exchange, a card withdrawal proof is added to the exchange receipt for printing. If the exchange is completed normally, the card will be withdrawn and the transfer will be automatically handled.

As described above, a bank card exchange system and a method of the bank according to the present invention have been described, but this is described by at least one or more embodiments, and thus the technical idea and construction and operation of the present invention are not limited. Equivalent configurations modified or changed by those skilled in the art for carrying out the same or similar purposes of the invention do not depart from the scope of the technical idea of the invention described in the claims, that is, the present invention Modified or modified equivalent structure by ordinary experts in the art to which the invention pertains can be variously changed, substituted and changed without departing from the spirit or scope of the invention described in the claims, and the modification or Modified equivalent constructions fall within the technical scope of the present invention as set forth in the claims. It will be in.

The card exchange system and method of the bank according to the present invention, unlike the conventional cash or check payment by cash exchange, by using the card at the time of exchange to obtain the following effects.

According to the present invention, it is possible to remove the inconvenience and risk factors associated with the waste of time and possession of cash by the user, and to improve the reliability and satisfaction of the user and the bank image of the bank.

In addition, by reducing the time required for checking and accepting cash and checks by cashiers and checks, they reduce the burden on the cashier and reduce the risk of accidents caused by counterfeit bills and accident checks. It can improve the profitability of banks.

In addition, the time required for exchange can be shortened to improve the quality of user services and to perform more efficient exchange.

Claims (12)

Currency exchange terminal for receiving card information and password; An exchange server for receiving the card information and the password from the exchange terminal, processing the request of the exchange terminal, and transmitting the result to the exchange terminal; A financial server which receives an account inquiry and card withdrawal request of the card from the exchange server, performs an account inquiry and card withdrawal, and transmits the result to the exchange server; A main server for receiving the card exchange history, the municipal acquisition request and the account processing request from the exchange server, processing the accounting for each branch and currency, and transmitting the result to the exchange server; Card exchange system. The method of claim 1, The currency exchange terminal, A card input unit for receiving card information; And a pin pad for inputting a password included in the card information. The method of claim 2, The pin pad, Card exchange system of the bank, characterized in that the display unit for outputting the card exchange history is formed. The method according to claim 1 or 2, The currency exchange terminal, A card exchange module that receives account information and balances from the exchange server, withdraws the money, outputs a currency exchange history, and performs a city acceptance and accounting process; A card withdrawal module for processing cash or check withdrawal of the card; Bank exchange system for a bank comprising a; foreign currency selling module for processing cash payment, check payment and card payment. The method of claim 1, The financial server, Determining whether the corresponding card is a bank card or a bank card, the account inquiry and card withdrawal request are transmitted to the main server in the case of the bank card, and in the case of a bank card, the bank is sent to the bank system connected to the financial common network and the result is exchanged. Bank exchange system, characterized in that sent to. The method of claim 1, The exchange server, A bank card exchange system, characterized in that it also automatically handles the transfer of a person in charge of currency exchange, balances foreign currency sales, and transmits the result to the currency exchange terminal. The method of claim 1, The main server, The card exchange system of the bank, characterized in that for generating a virtual account for the card exchange process after the withdrawal and the delivery of the person in charge of the exchange to the virtual account. 1) a currency exchange terminal receives card information and a password, checks whether there is an error, forms an account inquiry and a card withdrawal request data, and transmits it to a currency exchange server; 2) the exchange server receives the account inquiry and card withdrawal request data and transmits it to a financial server; 3) the financial server receiving the account inquiry and card withdrawal request data to query the authenticity of the card and account and transmits the inquiry result to the currency exchange server; 4) The exchange terminal receives the inquiry result from the exchange server to determine the exchange history and the amount of card withdrawal, form a withdrawal data and transmit it to the financial server and the main server through the exchange server to receive the result. Completion of the exchange and performing the municipal acquisition and internal accounting process; bank card exchange method comprising a. The method of claim 8, The financial server, Determining whether the corresponding card is a credit card or a credit card, the account inquiry and the card withdrawal request are transmitted to the main server in the case of the current card, and the other card is transmitted to the other system connected to the financial common network and the result is exchanged. Bank card exchange method characterized in that the transmission to the server. The method of claim 8, 5) The card exchange method of the bank further comprising the step of the exchange server automatically handles the transfer of the person in charge of exchange, and averaging the foreign currency selling and sending the result to the exchange terminal. The method of claim 8, 6) the bank, the card exchange method of the bank further comprising the step of generating a virtual account for the card exchange for the withdrawal after the withdrawal of the person in charge of the exchange person to the virtual account. 12. A computer readable recording medium having recorded thereon a program capable of executing the method of any one of claims 8 and 11.