KR100500134B1 - An multi-functional automated teller machine - Google Patents

Abstract

BACKGROUND OF THE INVENTION 1. Field of the Invention [0001] The present invention relates to a multifunctional cash dispenser (ATM) capable of selling or renting a recording medium on which video or audio information is recorded, such as a DVD or a video CD, and including a user interface unit, a card reader unit, and a cash withdrawal unit. An automatic teller machine, comprising: a recording medium discrimination recognizing unit for discriminating and recognizing recording media loaded on a lathe; A detection unit for detecting the authenticity of the recording medium returned through the return opening; An actuator arm and a driving motor for loading the returned recording medium into the stacking shelf and moving the loaded recording medium to the outlet; A motor driving unit controlling the actuator driving motor; The actuator arm is controlled to list and store information of the discriminated and recognized recording media on the basis of the control program data stored in a memory, and to discharge the recording media of the title selected for rental by the user to the outlet, before the rental of the recording media. A control unit which transmits and controls payment information so that a prepayment processing of a deposit is performed as a user's card information; And a communication interface for transmitting the payment information to an accessible payment processing institution server.

Description

Multifunctional Cash Dispenser {AN MULTI-FUNCTIONAL AUTOMATED TELLER MACHINE}

BACKGROUND OF THE INVENTION 1. Field of the Invention [0001] The present invention relates to an automatic teller machine (ATM), and more particularly, to a multifunctional cash dispenser (ATM) capable of selling or renting a recording medium on which video or audio information is recorded such as a DVD / video CD.

ATMs are the financial transaction support terminals that are common today. Such automatic teller machines are installed in financial institutions as well as places with a large number of floating and resident populations, such as apartment complexes, hospitals, and officetels.

General ATMs only support financial transactions such as cash withdrawals and bank accounts, so you can't expect a separate profit except for cash withdrawal from other accounts and using hours outside business hours. In other words, the current ATM is only a terminal for the convenience of financial traders, not a terminal developed to generate a separate profit.

Therefore, considering the current situation of financial institutions that require the creation of various profit models, it is urgently required to create new profit models by operating ATMs.

On the other hand, rental of video recording media such as DVDs and video CDs is generally performed in apartments and hospitals. However, the general rental or selling method of the video recording medium is made by the owner's intervention. Therefore, the borrower of the recording medium has the disadvantage of unintentionally providing his / her personal information to the owner. In addition, since the loan of video recording media is a small payment in terms of amount, it can be said that it is generally made by cash payment rather than card payment (cash card, debit card, credit card).

Therefore, it is necessary to develop a system that can rent video recording media without providing personal information to business owners, and it is urgent to introduce a system that can make credit card loans when renting video recording media. .

Accordingly, an object of the present invention is to provide a cash dispenser capable of meeting both of the above needs, and to provide a multifunctional cash dispenser capable of selling or renting a recording medium such as a DVD or a video CD. .

In addition, another object of the present invention is to provide a multifunctional cash dispenser that can conveniently pay the purchase amount and the rental amount through a cash dispenser when purchasing or renting a recording medium such as a DVD, a video CD.

Multifunctional cash dispenser according to an embodiment of the present invention for achieving the above object basically includes a user interface unit, card reader unit and cash withdrawal unit,

A recording medium discrimination recognizing unit for discriminating and recognizing the recording medium loaded on the lathe;

A detection unit for detecting the authenticity of the recording medium returned through the return opening;

An actuator arm for loading the returned recording medium into the lamination shelf and moving the loaded recording medium to an outlet;

An actuator drive motor for driving the actuator arm;

The actuator arm is controlled to list and store information of the discriminated and recognized recording media on the basis of the control program data stored in a memory, and to discharge the recording media of the title selected for rental by the user to the outlet, before the rental of the recording media. A control unit which transmits and controls payment information so that a prepayment processing of a deposit is performed as a user's card information;

And a communication interface for transmitting the payment information to an accessible payment processing institution server.

Therefore, the multifunctional cash dispenser of the above-described configuration provides a list information of the built-in recording media directly to the user so that the user can conveniently select and purchase or rent the recording media.

In addition, the multifunction cash dispenser of the above-described configuration transmits the list information of the built-in recording media to the central management server, so that the operator can easily grasp the inventory management status of each cash dispenser through the central management server. And loans will be able to conveniently transfer to their account through the financial network.

Hereinafter, exemplary embodiments of the present invention will be described in detail with reference to the accompanying drawings. In the following description of the present invention, when it is determined that a detailed description of a related known function or configuration may unnecessarily obscure the subject matter of the present invention, a detailed description thereof will be omitted.

First, a system configuration diagram including a multifunctional cash dispenser according to the embodiment of the present invention of FIG. 1 is shown. The system may be referred to as an unmanned sales rental system of a recording medium. Referring to Figure 1,

A plurality of multi-function (MF) cash dispenser 40, which is connected to the central management server 30 through a dedicated line, is basically a terminal system capable of financial transactions, such as deposit and withdrawal of cash, bank account arrangement, and account inquiry. It has a block configuration as shown. The ATM 40 sells or rents a recording medium such as a DVD in addition to a financial transaction, in which the deposit for the sale or the rental is transferred from the mother account of the card inserted in the card reader to the operator's account. Play a role. In addition, the automatic cash dispenser 40 periodically updates the list information of the loaded recording medium and transmits the same to the central management server 30 so that inventory management is normally performed.

The central management server 30 serves to interface information so that financial settlement can be normally performed between the multifunction (MF) ATM machine 40 and the financial institution server 50. For example, the central management server 30 receives the payment information including the card information and the rental amount (or sales amount) from the cash dispenser 40 and transmits it to the affiliated financial institution server 50, The payment approval completion information transmitted from the financial institution server 50 is transmitted to the cash dispenser 40. On the other hand, the central management server 30 stores the payment information related to the rental when receiving the payment information according to the recording medium rental from the cash dispenser 40, and if the recording medium is returned later, the loan in proportion to the rental time The balance calculated and deducted from the deposit is transferred to the user account on the user card. Of course, such a deposit settlement may be programmed to be performed in the ATM.

The financial institution server 50 is connected to the central management server 30 through a dedicated line, and performs bank transfer based on the payment information transmitted from the server 30 or transfers to another financial institution server through a financial computer network. Requests and receives the response accordingly and transmits to the server (30). According to the partnership relationship, a plurality of financial institution servers 50 may be connected to the central management server 30.

On the other hand, the personal financial transaction support terminal 20 can access the central management server 30 through a communication network (PSTN, dedicated line, etc.) to search for video recording media to purchase or rent, as well as online ordering and payment accordingly. Can be performed. A person who wants to purchase or rent a recording medium can search for a desired title by accessing the central management server 30 through his computer terminal 10. For example, the central management server 30 may provide the client with the location information of the cash dispenser 40 on which the recording medium to be purchased by the client is mounted.

Hereinafter, the configuration of the multi-function (MF) cash dispenser 40 in the system having the above-described configuration in more detail,

First, Figure 2 shows a block diagram of a multi-function cash dispenser according to an embodiment of the present invention.

In FIG. 2, the user interface 62 may be implemented as a touch screen as a concept including a key input unit and a display unit. The key input unit includes a plurality of input keys so that a user of an ATM can select a menu such as deposit withdrawal, deposit, balance inquiry, purchase of a recording medium, or rental of a recording medium, and generates key data according to each key input. Output to 70. The display unit outputs display data such as list information of a recording medium under the control of the controller 70.

The card reader 64 reads out and outputs the card information printed on the magnetic stripe of the MS type cash card, debit card, and cash card. Although only the card reader unit 64 is shown in FIG. 2, the IC card reader may be further included.

The printer 66 outputs a receipt for a financial transaction or a purchase and rental of a recording medium under the control of the controller 70.

The cash deposit / withdrawal unit 68 counts cash under the control of the controller 70 and deposits or withdraws the cash. The user I / F unit 62, the card reader unit 64, the printer unit 66, and the cash in / out unit 68 are illustrated as components of a general ATM, and detailed description thereof is omitted. Let's do it.

Meanwhile, the recording medium determination recognizing unit 74 discriminates and recognizes the recording medium loaded on the lathe and transmits the information to the control unit 70. The barcode recognition processing unit may be used as the recording medium discrimination recognition unit. The barcode recognition processing unit includes a scanner and a signal processing unit for digitally processing the signal obtained through the scanner. For example, if a two-dimensional bar code is printed on a DVD case for sale or rental, information of recording media provided by scanning all the DVD cases loaded on the lathe can be listed. Of course, the controller 70 may recognize additional information such as title and genre of each DVD by recognizing the two-dimensional bar code.

The authenticity of the recording medium detecting unit 76 serves to detect the authenticity of the recording medium returned through the return opening. The authenticity detection unit 76 of the recording medium is an antenna for transmitting and receiving a radio signal and a tag attached to the inner peripheral surface of the DVD recording medium, and demodulates the radio signal received through the antenna to output to the control unit 70 and the control unit RF control demodulation unit for modulating and outputting a carrier signal under the control of 70. For reference, the antenna is mounted at the return port to receive a radio signal from the DVD flowing into the return port.

Meanwhile, the multifunction (MF) cash dispenser 40 according to the embodiment of the present invention further includes an actuator arm. The actuator arm loads the returned recording medium into the lathe and moves the loaded recording medium to the outlet. The actuator arm is driven by an actuator drive motor, and the actuator drive motor is driven by a motor driver 78 controlled by the controller 70.

The memory 72 stores control program data and list information of a recording medium for controlling the overall operation of the ATM. The memory 72 may be integrated with the control unit 70 to be described later.

The controller 70 lists and stores the information of the discriminated and recognized recording media on the basis of the control program data stored in the memory 72 and controls the actuator arm to discharge the recording media of the title selected for rental by the user to the outlet. The payment information is controlled so that the prepayment processing of the deposit is performed as the card information of the user before the rental of the recording medium. The control operation of the control unit 70 will be described in more detail with reference to FIGS. 3 to 6. Finally, the communication I / F unit 80 will be described. Alternatively, the payment information including the sales amount and the card information is transmitted to an accessible payment processing institution server (which may be a central management server).

Hereinafter, a description will be given of how the DVD, which is a recording medium, is unmanned in the cash dispenser 40 having the above-described configuration.

First, FIG. 3 is a flowchart illustrating a recording medium recognition flow performed in the multifunction cash dispenser according to the embodiment of the present invention, and FIG. 4 is a view illustrating a form of storing the identification information of each of the recording media recognized by FIG.

Referring to Fig. 3, the automatic teller machine 40 must first recognize the information of the DVD title provided. To this end, the control unit 70 periodically moves 90 the scanner constituting the barcode recognition processing unit 74 to an initial position. At this time, the initial position may be the uppermost end of the stacking shelf for reference, and the stacking shelf structure at this time may have a rack structure of a tower shape in which the front / rear is opened. When the scanner is moved to the initial position, the controller 70 recognizes the barcode attached to the DVD case (step 94) while moving the actuator arm on which the scanner is mounted vertically (step 92). In this case, the barcode image data scanned by the scanner is signaled by the signal processing unit, which is one component of the barcode recognition processing unit 74, and inputted to the control unit 70. Information is stored in the memory 72 (step 96). In this case, the additional information of the recording medium stored in the memory 72 is illustrated in FIG. 4.

In Fig. 4, No represents the order of barcode recognition, which indicates the position on the lathe. The title is one of the bar code-recognized additional information, and the title is a value provided to the user. Through the matching of the title and No, the control unit 70 can eject the DVD title selected by the user to the outlet. In addition, the genre information is represented as a bar code to provide selection convenience when renting or selling a DVD title. In addition, the selling price or the rental price may be pre-programmed and stored, and barcodes may be stored at different prices. In addition to the illustrated information, it would be desirable for the deposit information to be displayed to the user as well.

Meanwhile, as described above, when the scanner moves and recognizes the barcode information of the recording medium and stores the information, when the scanner reaches the set stop position (step 98), the control unit 70 moves the scanner to the original position until now. The list information of the recognized recording media is transmitted to the central management server 30 (step 100). The reason for doing this is to manage the stock state of the recording medium held in the ATM automatic dispenser 40 in the central management server 30, and also provides the recording medium search information to the client connected to the central management server 30. To provide.

As described above, when recognition of the title and location information of the recording medium (DVD) loaded on the stacked shelf in the multi-function (MF) cash dispenser 40 is completed, rental and sale may be performed based on the recognition.

5 is a flowchart illustrating a sales flowchart of a recording medium (DVD) performed in the multifunction (MF) cash dispenser 40 according to the embodiment of the present invention.

Referring to FIG. 5, first, when a user of a cash dispenser 40 requests a purchase of a recording medium (DVD) on a menu (step 110), the controller 70 requests a title input of the recording medium (DVD) (112). Step). In response to the input request, if there is a title input, the controller 70 checks whether the input title matches any one of the titles stored in the memory 72. If there is no match of the title inputted as a result of the inspection, the state of non-holding is reported (step 116). On the contrary, if there is a matching title, the controller 70 displays the selling price of the recording medium having the matched title and inputs the payment means. (Step 118). In this example, the title input is required, but the list information of the recording medium is displayed and may be programmed to select one.

On the other hand, when the user inserts an MS type card such as a cash card into the card reader 64 in response to the input request of the payment means, the controller 70 reads the card information and then displays the selling price and selects the payment confirmation. If present, the payment information including the read card information and the sale amount is transmitted to the central management server 30 (step 120). Accordingly, the central management server 30 may transfer the payment information to the financial institution server 50 so that the sale amount may be transferred from the mother account of the card to the account of the operator of the ATM.

If the sales amount is normally transferred from the user's card account to the operator's account, the result information, that is, payment approval completion information will be transmitted to the central management server 30, the central management server 30 is again multi-function (MF) Transfer to the ATM (40). Accordingly, the control unit 70 may determine whether payment of the selling price is normally processed as the reception of payment approval completion information (step 122). If the sales amount of the recording medium is normally processed in step 122, the control unit 70 moves the actuator arm to the position where the requested recording medium is loaded, and then pushes the rear of the recording medium to fall to the front of the shelf. Drive the actuator arm. Accordingly, the recording medium (DVD) dropped from the shelf is moved along the guide and discharged through the discharge port (step 126), so that the user can receive the recording medium (DVD) selected by the user. Receipts corresponding to the amount may also be received through the printer unit 66. When the purchase request recording medium DVD is discharged, the controller 70 deletes the sold recording medium DVD from the list information, thereby accurately updating and maintaining the list information of the recording medium.

According to the embodiment of the present invention as described above, users can conveniently purchase a recording medium such as a DVD, a video CD at the place where the ATM is installed, and can conveniently pay the purchase price by using a cash card. It will be possible.

Hereinafter, the rental of a recording medium (DVD) will be described. First, FIG. 6 illustrates a rental flow of a recording medium performed in a multi-function (MF) cash dispenser according to an embodiment of the present invention.

Referring to FIG. 6, first, when the user of the ATM dispenser 40 selects a rental request for a recording medium (DVD) on a menu (step 130), the controller 70 requests a title input of the recording medium (DVD) (132). Step). In response to the input request, if there is a title input, the controller 70 checks whether the input title matches any one of the titles stored in the memory 72. If there is no matching of the title inputted as a result of the inspection, the state of non-holding is reported (step 136). However, if there is a matching title, the control unit 70 displays the rental amount and the deposit amount according to the rental time of the recording medium having the matched title and pays Request input of means (step 138). The deposit means an amount deposited in advance to compensate for the loss caused by the loss of the borrowed recording medium (DVD). Of course, if the DVD is normally recovered, the balance deducted from the deposit will be refunded. This will be described later.

If the user inserts an MS type card such as a cash card into the card reader unit 64 in response to the payment method input request, the control unit 70 reads the card information and then displays the deposit amount and then selects the payment confirmation option. If present, the payment information including the read card information and the deposit amount is transmitted to the central management server 30 (step 140). Accordingly, the central management server 30 may transfer the received payment information to the financial institution server 50 so that the deposit amount may be transferred from the mother account of the card to the account of the operator of the automatic teller machine 40.

If the deposit amount is normally transferred from the user's card account to the operator's account, the result information, that is, payment approval completion information will be transmitted to the central management server 30, the central management server 30 again this multi-function (MF) Transfer to the ATM (40). Accordingly, the control unit 70 may determine whether payment of the deposit is normally processed as the reception of payment approval completion information (step 142). If the deposit of the recording medium DVD is normally processed in step 142, the controller 70 controls the actuator arm to discharge the requested recording medium DVD to the outside through the outlet (step 146). Accordingly, the user will be able to receive a recording medium (DVD) selected by the user, and the payment amount, that is, the receipt according to the deposit payment can also be received through the printer unit 66.

On the other hand, when the rental request recording medium (DVD) is discharged, the control unit 70 records the rental information and updates the list information of the recording medium (DVD) newly (step 148). The rental information may include identification information (for example, title), rental date and time, rental information (corresponding to the user's card information), and deposit information of the rental recording medium (DVD), and by recording such rental information, When the record medium is returned, the loan can be settled and the balance refunded. Only the fact of rental is additionally recorded in the list information of the recording medium.

If the recording medium DVD is normally borrowed as described above, the controller 70 checks whether the return of the recording medium DVD is performed (step 150). As an inspection method, a menu displayed on the user I / F unit 62 may include a return item and be recognized as a selection thereof. A sensor may be provided at the return port to check whether the recording medium is returned through object detection. have. In addition, a tag attached to the recording medium and an antenna for transmitting and receiving a radio signal can be mounted on the return port to check whether the recording medium is returned or the authenticity of the returned recording medium (DVD). In the embodiment of the present invention, it is assumed that an RF tag is used.

As a result of demodulating the signal received from the tag attached to the recording medium, if the returned recording medium is found to be a genuine product or a rental product (step 154), the controller 70 calculates a rental time of the returned recording medium (DVD). After calculating the loan proportional to the calculated rental time, the loan amount calculated from the deposit of the recording medium is deducted. Then, the balance for the deposit is generated, and the control unit 70 requests a refund to the central management server 30 so as to transfer it to the mother account of the user card. It will be transferred. Therefore, users can return their prepaid deposits after returning the loaned recording media normally.

According to the embodiment of the present invention as described above, users can conveniently borrow recording media such as DVDs, video CDs, etc. using ATM machines without providing personal information to third parties.

As described above, the present invention has an advantage that a cash dispenser can be used for various purposes because it can be mounted on a cash dispenser such as a DVD or a video CD in an automatic dispenser.

In addition, since the present invention can rent a recording medium such as a DVD using a cash dispenser, a cash dispenser operator can enjoy the effect of generating new revenue through operations other than financial transactions.

Users have the advantage of being able to conveniently rent recording media such as DVDs, video CDs, etc. using ATMs without providing personal information to third parties.

On the other hand, the present invention has been described with reference to the embodiments shown in the drawings, which are merely exemplary, and those skilled in the art will understand that various modifications and equivalent other embodiments are possible therefrom. Therefore, the true technical protection scope of the present invention should be defined only by the appended claims.

1 is a block diagram of a system including a multifunctional cash dispenser according to an embodiment of the present invention.

Figure 2 is a block diagram of a multi-function cash dispenser according to an embodiment of the present invention.

Figure 3 is an illustration of a recording medium recognition flow performed in the multi-function cash dispenser according to an embodiment of the present invention.

FIG. 4 is an exemplary view of storing recognition information of each recording medium recognized by FIG. 3. FIG.

Figure 5 is an illustration of the sales flow of the recording medium performed in the multi-function (MF) cash dispenser according to an embodiment of the present invention.

Figure 6 is an illustration of the rental flow of the recording medium performed in the multi-function (MF) cash dispenser according to an embodiment of the present invention.

Claims (6)

In the automatic teller machine including a user interface unit, card reader unit and cash withdrawal unit, A recording medium discrimination recognizing unit for discriminating and recognizing recording media loaded on the lathe; A detection unit for detecting the authenticity of the recording medium returned through the return opening; An actuator arm and a driving motor for loading the returned recording medium into the stacking shelf and moving the loaded recording medium to the outlet; A motor driving unit controlling the actuator driving motor; The actuator arm is controlled to list and store information of the discriminated and recognized recording media on the basis of the control program data stored in a memory, and to discharge the recording media of the title selected for rental by the user to the outlet, before the rental of the recording media. A control unit which transmits and controls payment information so that a prepayment processing of a deposit is performed as a user's card information; Multifunction cash dispenser comprising: a communication interface for transmitting the payment information to a payment processing institution server. The method of claim 1, wherein the detection unit; An antenna for transmitting and receiving a radio signal with a tag attached to a recording medium; And an RF demodulation unit for demodulating the radio signal received through the antenna and outputting the demodulated signal to the control unit and modulating and outputting a carrier signal under the control of the control unit.  The multifunctional cash dispenser of claim 2 wherein the antenna is mounted to the return opening.  The control data of claim 1 or 2, wherein the control unit further calculates a loan in proportion to the rental time, and the control data requesting the payment processing institution server to transfer the balance deducted from the deposit to the mother account of the user card. Multifunctional cash dispenser, characterized in that stored. The memory of claim 4, wherein the control unit controls the actuator arm to discharge the recording medium of the title selected and purchased by the user to the discharge port, and the prepayment processing of the sales money is performed as the user's card information before discharge of the recording medium. Multifunctional cash dispenser, characterized in that the control data for transmitting payment information is further stored. The method according to claim 5, wherein the control unit periodically stores the bar code of the recording medium cases loaded on the stacking shelf to update the list information, and further stores the control data for transmitting the updated list information to the central management server that can be accessed Multifunctional cash dispenser, characterized in that.