KR100582828B1 - Transaction paticulars analizing system for automated banking machine and method thereof - Google Patents

Abstract

The present invention provides the financial transaction details of the customer in the form of household account information using a financial automation device installed in a financial institution such as a bank, and also analyzes, processes and provides information for customer relationship management (CRM). It relates to an account history analysis system of a financial automation device.

The present invention for realizing this, the host computer 10, which is provided in each of the banks and stores all the information related to the financial transaction, and all the transactions are actually executed, connected to the host computer 10 by wired or wireless network, unmanned financial transaction Between the host computer 10 and the automated teller machine, such as a cash dispenser 22 having a printer and a cash dispenser 23 and a kiosk 24, which are equipped with a printer so as to print and provide a transaction result. It comprises an account history analysis server 26 is connected to the data communication network to receive and analyze the customer's transaction history and store in its own database 28 and provide the analysis information according to the customer's request, Generate useful information for customers and operators, enhance customer convenience, and create a profit model for financial institutions Invention being that.

Financial automation equipment, household account book, customer relationship management, CRM, account

Description

Accounting analysis system of automated teller machine and method of providing accounting analysis information using same {transaction paticulars analizing system for automated banking machine and method             

1 is a network diagram of an account history analysis system of an automated teller machine according to an embodiment of the present invention;

2a to 2b is a database structure diagram that is analyzed and stored in the account analysis server according to the present invention,

3a to 3c is a control table structure diagram which is analyzed and stored in the account analysis server according to the present invention,

4a to 4g is an output example of the automated teller machine according to the present invention,

5 is a flowchart illustrating a procedure of upgrading control information between the account history analysis server and a host computer according to the present invention;

6 is a flowchart illustrating a data transmission / reception method of an automated teller machine and an account history analysis server according to the present invention;

7 is a flowchart illustrating a data transmission / reception method between an automated teller machine / Internet banking terminal and an account history analysis server according to the present invention;

8 is a flowchart illustrating a function of adding / deleting an account subject in a customer's automated teller machine / internet banking terminal according to the present invention;

9A is a flowchart for explaining a method of providing account information using an account history analysis system of an automatic teller machine according to a second embodiment of the present invention;

FIG. 9B is a flow chart illustrating in more detail a step of manually inputting a customer in the method of providing account history analysis information of FIG. 9A;

9C illustrates an example of output by the method for providing account history analysis information according to the second embodiment of the present invention.

<Description of the symbols for the main parts of the drawings>

10-host computer, 12-backup computer,

14-internet banking server, 16-internet banking terminal,

18-Branch Server, 20-Bank Private Network,

21-cashier terminal, 22-cash dispenser,

23-ATM, 24-Kiosk,

26-Account History Analysis Server.

The present invention relates to an account history analysis system for an automated teller machine, which enables a customer to provide financial transaction details using a banking machine installed in a financial institution such as a bank. It provides information in the form of household account information such as expenditure status, and analyzes and processes information for customer relationship management (CRM) such as transaction status by age and withdrawal and account balance, and generates useful information for customers and operators. The present invention relates to an account history analysis system of an automated teller machine, which facilitates customer convenience and prepares a profit model of a financial institution.

In general, the automated teller machine is a device developed to provide a variety of services, including cash and check deposit and withdrawal, unattended, regardless of bank employee's working hours. Financial transactions are made possible through inquiry of password and password, Cash Dispenser with cash withdrawal function as main transaction, Automated Teller Machine with financial withdrawal with cash (including check), financial transaction function There is a kiosk that provides a variety of content, including a variety of fields.

The financial transaction function of the conventional automated teller machine is mainly to perform the financial transaction function such as cash and check deposit and withdrawal, balance inquiry, account transfer, etc., and the transaction results can be printed and discharged on the account book or the statement table to check the transaction history. In this way, only the transaction details, such as account number, transaction details, and transaction date, are printed and provided on the transaction statement.

However, in order to query past transactions, the customer should look at the records printed on the bank account, but recently, since the credit card is easier to carry than the bank account, it is not easy to carry the bank account. It is difficult to inquire transaction details using. If you are only carrying a credit card and want to know the transaction details, you can ask a bank employee to check the transaction details.In this case, however, if you do not carry your ID card, you will not be able to verify your identity. The bank may reject the transaction history inquiry request for the safety of personal information provided.

In this case, when the customer wants to check the transaction history through the financial institution, the customer can check the details recorded in the account book or request a bank to receive the transaction history, but the information provided here is simply the amount of the deposit and withdrawal and balance in the order of transaction date. Only marked, only basic level of information is available.

Therefore, in order to further increase the value of the use of financial transaction information, the transaction history is classified by account item, and the customer and operator side is analyzed and provided according to the customer's disposition such as the age, gender, balance and monthly payment amount of the customer. There is a need to provide more useful information.

The present invention has been invented in view of the above circumstances, and the information generated by the financial transaction of the customer is classified into account items and stored in a separate account history analysis server, and the financial conditions are set in advance for the customer relationship management. The present invention aims to provide an account history analysis system of a automated teller machine that can be processed and analyzed in a transaction history analysis server and provided to a customer using the automated teller machine and can be used for marketing management by inquiring this from the operator side. There is a purpose.

The account history analysis system of the automated teller machine according to an embodiment of the present invention for realizing the above object is provided in each bank, and the host computer 10 in which all information related to the financial transaction is stored and all transactions are actually executed. And a cash dispenser 22, a cash dispenser 23, and a kiosk 24 having a printer which is connected to the host computer 10 through a wired / wireless network to perform an unmanned financial transaction and print and provide a transaction result. It is connected to the data communication network between the financial automation device, the host computer 10 and the financial automation device, and receives and analyzes the transaction of the customer, stores it in its own database 28, and stores the analysis information at the request of the customer. It is characterized in that it comprises a account history analysis server 26 made to be provided.

The account history analysis server 26 is characterized in that it is made to analyze the type of business of the financial transaction company to display and store and output the account items in the transaction history.

The account history analysis server 26 is characterized in that the customer is made to add / delete / change the account item classification for the transaction account to transfer.

The account history analysis server 26, according to the customer's transaction history request through the automated teller machine, the transaction date, account item, and transaction amount by transaction date, account item, transaction amount size for the transaction period for the request period Characterized in that it is configured to selectively process the account book information including.

The account history analysis server 26 updates and periodically updates the database of the customer's transaction data with control information including the birth year, average account balance, average income, average expenditure, and average card use information. According to the request, characterized in that the output is made to compare the individual customer data and control data by age, average account balance or monthly income.

The printer of the automated teller machine is made of an A4 printer, characterized in that the transaction history is made to be printed and printed on A4 paper.

The account history analysis system of the automated teller machine according to the second embodiment of the present invention includes a host computer, which is provided in each bank and stores all information related to a financial transaction, and actually executes all transactions. ATMs equipped with printers and automated teller machines such as ATMs and kiosks to perform unattended financial transactions and to provide transactional information received from the host computer by account item and printed as schematic analysis information. Characterized in that comprises a.

The method for providing account history analysis information using the account history analysis system of the automated teller machine according to the present invention is provided to each bank through the automated teller machine and stores all the information related to the financial transaction in a host computer where all the transactions are actually executed. In the method of providing account analysis information using the account analysis system of the automated teller machine, which can be provided through a printer provided by the user after receiving the account history data. Account history receiving step for requesting and receiving account history data, account history classification step for classifying transaction history of received data by account item and displaying account item in the form displayed, account history displayed by account item classified by account item To analyze the output in the form requested by the customer. Left history analysis phase, including the steps of: providing a print to print the analysis result is characterized in that is made.

The account classification step is an automatic classification step of automatically displaying an account item with reference to the business information of a previously stored customer, based on a customer who is a depositor and a depositor, and a user manually accounts for the transaction details that are not classified in the automatic classification step. Characterized by a manual classification step for entering the item.

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

Figure 1 shows a network configuration of the account history analysis system of the automated teller machine according to the present invention.

The host computer 10 is a main computer provided in each bank and is a computer in which all information related to financial transactions is stored and all transactions are actually executed.

The backup computer 12 is a computer that stores information of the host computer 10 in real time in preparation for a failure of the host computer 10 in case of emergency.

The internet banking server 14 is a web server built for an internet banking service. The internet banking server 14 accesses a host computer, which is a bank host computer 10, and provides data to the Internet banking terminal 16.

The internet banking terminal 16 is a computer of a customer who can access a bank internet banking server 14 through a internet network and receive a service.

The host computer 10 of the bank and the branch server 18 are connected to a bank-dedicated network 20 disconnected from an external network.

Branch server 18 is connected to the automated teller machine such as cashier 22, cash dispenser 23, kiosk 24, including the cashier terminal 21 in the branch work for transaction information entered by the cashier and the customer Process and deliver the contents to the host computer 10 through the private network (20).

In addition, the automated teller machines are provided with an input means for allowing the customer to select, modify, delete, and change the transaction menu, and a printing apparatus capable of printing transaction details at the request of the customer. It is desirable to have a printing apparatus capable of printing a large number of items, such as A4 paper, as well as a small printer for printing a specification table.

In particular, the account breakdown analysis server 26 according to the present invention creates various analysis data using the host computer 10 or the backup computer 12 and provides them to the automated teller machine via the branch server 18, or internet banking. It serves to provide the Internet banking terminal 16 through the server (14). Various data analyzed and processed by the account breakdown analysis server 26 are stored in a database 28 provided therein, and are updated at predetermined intervals, so that account items can be added / modified / deleted by an operator or a customer. consist of.

Figure 2a shows an example of the corporate account database table that is analyzed by the account history analysis server 26 according to the present invention and stored in the database 28, the account classification of the companies that are widely used widely As a database, the business sector of the company to be automatically debited from the customer account and the account number used by the company are analyzed, and the accounts are classified and stored in the database 28, for example, communication costs, electricity charges, and insurance money.

2b shows an example of a personal account database table which is analyzed by the account history analysis server 26 according to the present invention and stored in the database 28. The account classification which is mainly set for accounts to be used personally is stored. As a losing database, the account number and account name to be traded by an individual are entered, and the account classification is set and stored accordingly.

Figure 3a shows an example of the age-specific control table of the account breakdown analysis server 26 according to the present invention, for example, by analyzing the average balance, average income, average expenditure, average card use amount, etc. for each customer's birth year and stores the database .

Figure 3b shows an example of a control table for each account balance of the account analysis server 26 according to the present invention, for example, by analyzing the average birth year, average income, average expenditure, average card use amount, etc. for each customer average account balance Save it.

Figure 3c shows an example of the monthly income control table of the account history analysis server 26 according to the present invention, for example, analyzing the average birth year, average account balance, average expenditure, average card use amount, etc. for each monthly average income range of the customer Database to store it.

Such a control group is not limited thereto, and it will be apparent to those skilled in the art that customer information may be divided and stored in a database form in various ways, such as by premium payment amount and tax payment amount depending on an analysis purpose.

Figure 4a shows an example of the transaction history output according to the present invention, for example, when the customer requests a transaction history for a specific period through the automated teller machine, including the transaction amount with the account classification for each transaction date and outputs. Through this output information, the customer can easily know the information about account segment and transaction amount by date within a specific period.

Figure 4b shows an example of the output value sorted by the transaction amount according to the present invention, for example, when the customer requests the output of the transaction by transaction amount for a specific period through the automated teller machine transaction history in ascending or descending order based on the transaction amount Sort and output the transaction date, account classification, and transaction amount. This output makes it easy for the customer to know when a large amount of money has been spent or deposited within a certain period of time.

Figure 4c shows an example of the sorting output based on the transaction account item according to the present invention, for example, if the customer requests to output the transaction history for a particular period by account item through the automated teller machine is within the range of the request date The transaction history is classified by account item, and the transaction history is output in the form of transaction date, account item, and transaction amount. In the illustrated example, the transaction details within a specific period are classified by account items and output continuously. However, the present invention is not limited thereto, and subtotals can be output in the middle of each account item. It is apparent to those skilled in the art that not only can be printed at the bottom of the account item but also can be output in various forms.

Figure 4d shows an example of an account item-based circular graph output according to the present invention, for example, if the customer requests to output the transaction history for a specific period or a specific month in the form of a circular graph through the automated teller machine, the transaction amount for each account item After summation, convert the percentage by account item and output it in the form of pie graph. This allows customers to compare monthly transactions by account item. Although a circular graph output example is shown here, it will be apparent to those skilled in the art that the graph can be output in various types of graphs such as a line graph, a bar graph, a donut graph, and a scatter graph.

4E shows an example of the income / expenditure output according to the present invention, and shows an example of analyzing the income and expenditure for transaction details within a period requested by the customer and outputting the result as a bar graph, for example. This allows customers to see at a glance what their income and expenses are.

Figure 4f shows a comparative control analysis output example according to the present invention, for example, as shown in Figures 3a to 3c account history analysis server 26, such as age, account balance, monthly income, etc. The control table for comparison with the data is periodically updated and stored.In this case, when the customer selects a control type such as age, account balance, and monthly income, the transaction amount of the customer and the transaction amount of the comparative layer are calculated for each account item. The percentage of the transaction amount of the customer based on the comparative layer is output as a percentage. For example, if the customer chooses the age-based comparison, by comparing the transaction history of the same age and the transaction history of the customer, the customer can analyze their income and expenditure rate compared to the people of the same age to perform more personalized personal economic activities. It can be used as a resource. In addition, if the monthly income comparison is selected, the transaction history of those earning the same income is compared with the transaction history of the customer so that the customer can analyze their own income and expenditure rate as compared to those who have the same income. It can be used as data for individual economic activities.

Figure 4g shows a comparative comparative analysis output example according to the present invention, in particular, the average balance of the customer balance compared to the average balance of the control group shows the average balance on the vertical axis and the horizontal axis shows the average of the customer and the control group as a bar graph. From this, you can compare your account balance with the control you are comparing.

5 is a flowchart illustrating a control information upgrade procedure between the account history analysis server 26 and the host computer 10 according to the present invention.

The account history analysis server 26 updates data of the control as shown in FIGS. 3A to 3C when a predetermined period is reached. For the update, first load the query and send it to the host computer 10. When the result is received, the result is stored. When the result of the query is received for the final query, it is determined that the update is completed. Wait for the next update cycle after finishing update procedure.

6 is a flowchart illustrating a data transmission / reception method of an automated teller machine and an account history analysis server according to the present invention.

The automated teller machine and the account history analysis server 26 start each thread. When the customer logs in through the automated teller machine, the step of determining whether the customer is a normal customer is performed, and when the account history analysis server 26 receives the data request from the normal customer, the request data is retrieved and the result is transmitted back to the automated teller machine. Follow the steps.

When the automated teller machine receives the required data, it stores the received data and processes, formats, and outputs it according to the customer's request. In this step, the output is processed to the same information as illustrated in Figures 4a to 4g as illustrated above, the output example illustrated in Figures 4a to 4g is merely an example for explaining a preferred embodiment of the present invention, various forms Process output can be as described above.

When the information on one customer's request is completed, inquire about whether to process / format / output according to the other option, and if the other option is requested, additionally perform the request. If there is no other option, log out. After deleting the customer information, it returns to the initial stage and waits for the next command.

7 is a flowchart illustrating a data transmission / reception method of the automated teller machine / internet banking terminal and the account history analysis server according to the present invention. In particular, the processing of data received from the account history analysis server 26 in the flowchart of FIG. The steps to format / format / print are described in more detail.

When the customer accesses the account history analysis server 26 by using a customer terminal such as an automated teller machine or an internet banking terminal and logs in, the user displays a button to select an account history inquiry function on the customer terminal, and the customer displays an account history button. If you request the data through the selection of the first, you can display the print / other function / end selection button along with the standard account history screen to print the current page or to look up other functions provided by the present invention or to exit the account history query function. Follow the steps to make it possible.

At this time, if the end function is selected, the user logs out and deletes the customer information. If the user selects the print function, the printer prints on A4 paper using a printer provided therein and then the customer continues to check the account. If it is selected, the process returns to the standard account history display step, waits for the next command and terminates after printing, and performs the logout / delete customer information step.

On the other hand, when the customer selects another function in the standard account history display state, it is possible to perform the contrast function / analysis function as described above. The analysis function includes the same function as the household account book, and the control function includes the function of comparing with the preset control group, and the control function and the analysis function each include various types of output functions. If the customer selects the contrast function / analysis function, the information is printed out, and if the customer chooses to print the result, the printer prints the result on A4 paper and then asks whether to continue using other functions or to quit. If the function inquiry is selected, the other function inquiry screen is outputted, and if the exit after printing is selected, the logout / customer information deleting step is performed. After displaying the inquiry result in the contrast function / analysis function step, if the user wants to search another function, the process returns to the above contrast function / analysis function step. After executing, it returns to the initial state and waits for the next request.

8 is a flowchart illustrating an account subject add / delete function in a customer's automated teller machine / Internet banking terminal according to the present invention.

First, the customer accesses the account history analysis server 26 by using a customer terminal, such as an automatic teller machine or an internet banking terminal, and selects an account subject management menu. Accordingly, the account history analysis server 26 inquires whether to add, modify or terminate the account items and proceeds with the procedure according to the request.

If the customer chooses to add an account item, the transaction information for which the account item is not defined is displayed, the corresponding item is selected, the account item is inputted, and the received data is displayed in the database (28) of the account analysis server 26. ). If the customer still chooses to add the account item, repeat the above step.

On the other hand, if the account item management menu is selected to modify the account item in the output step, the account item is defined to display the transaction history, and the customer selects the transaction history to be modified to change the account data analysis server ( And stored in the database 28. If the customer selects to continue to modify the account item, the account item modification step is repeated.

After that, when the customer confirms that the account item addition / modification operation is completed as described above, the account history analysis server 26 ends the account item addition / modification procedure and returns to the initial screen to wait for the next operation.

9A is a flowchart illustrating a method of providing account history analysis information using the account history analysis system of the automated teller machine according to the second embodiment of the present invention.

The account history analysis system of the automated teller machine according to the first embodiment shown in Figs. 1 to 8 is used when the customer makes a financial transaction by accessing a host computer installed in each bank through the automated teller machine (26). ) Database the customer's information and provide it in the form of account book or CRM information according to the customer's request. However, the second embodiment shown in Figure 9 is to enable the customer to process and provide the account history analysis information received from the host computer from the host computer without the account history analysis server additionally.

That is, when the customer requests the account details by accessing the host computer 10 by using the automated teller machine, the host computer 10 transmits the requested information to the teller machine. At this time, the customer can request the account history by specifying the entire account history, an arbitrary period, month and year.

The automated teller machine temporarily stores the received account information in a buffer.

Subsequently, the automatic teller machine classifies the data by account item. In this case, the classification of data items by account is usually classified by analyzing the accounts listed in the brief column of the account. If the company is a well-known company, the information on the business type is stored in advance so that it can be easily classified and withdrawn and withdrawn frequently. The account can be easily classified by the user by setting the account items in advance when the first transaction. However, if the customer is a first-time customer or a customer who does not have an account item set up, the customer cannot manually classify the account items. To do this, manually input the result, save the result, and then select the output type.

In the output form, for example, the expenditure history ratio which illustrates the ratio of monthly expenditures, the expenditure history which illustrates the monthly expenditures by the amount of money by type, the monthly income / expenditure history that illustrates the ratio of monthly income / expenditure, and the expenditure trend by period Monthly expenditure trends plotted as percentages, and monthly expenditure trends are analyzed so that the most expenditure items can be output and plotted according to the purpose of analysis, but they can be changed according to the purpose of analysis.The schematic method is pie graph, line graph, bar graph, As described above, it is possible to output the graph in various forms such as a donut graph and a scatter graph.

FIG. 9B is a flowchart illustrating in detail a customer manual input step of the method for providing account history analysis information of FIG. 9A.

In the initial stage of the manual manual input step, the customer prints the transaction details to be manually input on the screen so that the customer manually inputs them, and then the customer wants to continue to input the account items for the next transaction that is not classified. If the menu is selected continuously, it is determined whether the transaction currently entered is the last data. At this time, if it is determined that there is no unclassified account history, the manual entry step of the account item is terminated, and if the unclassified account history remains, the following transaction details are outputted on the screen and the steps of entering the account item are repeated. Repeating the account input step as described above performs the manual entry of the account item for the unclassified account details.

9C illustrates an example of output by the method for providing account history analysis information according to the second embodiment of the present invention.

The transaction details classified as unclassified in the output example indicate transaction items that are not manually entered without being classified by the automatic classification function. This means that the user can specify the account items for all transaction items or the account items for only a part of the transaction items according to the analysis purpose.

As described above, the present invention is a control group to be compared with the customer data and store and process the transaction history from the host computer where all the information related to the financial transaction is stored in each bank and all transactions are actually executed. , Transaction history by account balance, transaction history by monthly income, etc.) and periodically updated, and at the request of the customer, provide the transaction history of the customer in the form of an account book or provide data in comparison with the control in various graph forms. In addition, financial institutions can generate revenue from devices introduced for cost reduction purposes by allowing them to output inquiry results using A4 printers equipped with automated teller machines or Internet banking terminals. It can provide services, and has the advantage of increasing product advertising and sales effects. On the other hand, when viewed from the customer side, a variety of information related to the customer can be easily obtained, thereby reducing the cost and time.

Claims (9)

A printer is provided at each bank to store all information related to financial transactions and to connect to the host computer and the wired / wireless network where all transactions are actually executed. It is connected to the financial teller machines such as cash dispensers, cash dispensers and kiosks, and the data communication network between the host computer and the automated teller machine, and receives the customer's transaction history, analyzes the business type of the financial transaction company and analyzes the account items in the transaction history. Accounting analysis system of the automated teller machine, characterized in that made by including the accounting history analysis server to display and store in its own database to provide analysis information at the request of the customer. delete The account history analysis system of claim 1, wherein the account history analysis server is configured to add / delete / change account item classifications for transaction accounts transferred by customers. According to claim 1, wherein the account history analysis server according to the transaction request of the customer through the automated teller machine transaction date and account items for each transaction date, account item, transaction amount size and transaction amount for the request period and Accounting analysis system of the automated teller machine, characterized in that the processing to selectively output the household account information including the transaction amount. The method of claim 1, wherein the accounting analysis server stores the transaction data of the customer as a database including the information of the year of birth, average account balance, average income, average expenditure, average card usage, and periodically updated and periodically updated And, according to the customer's request, the account history analysis system of the automated teller machine, characterized in that the customer's data and control data for each age, average account balance or monthly income comparison output made. According to any one of claims 1 to 5, wherein the printer of the automated teller machine is an A4 printer, the account history analysis system of the automated teller machine, characterized in that the transaction history can be printed and printed on A4 paper. . Each bank has a host computer that stores all the information related to the financial transaction, and executes all unattended financial transactions by connecting to the host computer and the wired / wireless network. The transaction information is received from the host computer. Accounting analysis system of a automated teller machine, comprising a teller machine equipped with a printer and a teller machine such as a kiosk and a kiosk so as to be classified by classification and printed and provided as analytical information. Financial automation equipment that is provided to each bank through the automatic teller machine saves all information related to financial transactions and accesses the host computer where all transactions are actually executed. In the method of providing account history analysis information using the account history analysis system of the device, the account history receiving step of requesting and receiving account history data for a specific period from the automated teller machine to the host computer, and the transaction history of the received data by account item Account history classification step of classifying and displaying the account items in the displayed form, account history analysis step of analyzing the account items classified by the account items displayed by the account items in the output form requested by the customer, and printing and providing the analysis results Financial automation including printing How to analyze the information provided account details using the account details of the analysis system group. The method of claim 8, wherein the account classification step is based on a customer who is a depositor and a depositor, an automatic classification step of automatically displaying an account item with reference to previously stored business information, and the unclassified transaction details in the automatic classification step. Method for providing account history analysis information using the account history analysis system of the automated teller machine, characterized in that it comprises a manual classification step for the user to manually enter the account items.

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