KR100681106B1 - The financial service method using automated teller machine connected with phonebanking - Google Patents

The financial service method using automated teller machine connected with phonebanking Download PDF

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KR100681106B1
KR100681106B1 KR1020040077421A KR20040077421A KR100681106B1 KR 100681106 B1 KR100681106 B1 KR 100681106B1 KR 1020040077421 A KR1020040077421 A KR 1020040077421A KR 20040077421 A KR20040077421 A KR 20040077421A KR 100681106 B1 KR100681106 B1 KR 100681106B1
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phone banking
management server
phone
withdrawal
password
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KR20060028316A (en
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이성철
권상환
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노틸러스효성 주식회사
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    • G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
    • G06Q40/02—Banking, e.g. interest calculation or account maintenance
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/305—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wired telephone networks
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/32—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
    • G06Q20/322—Aspects of commerce using mobile devices [M-devices]
    • G06Q20/3223—Realising banking transactions through M-devices
    • G—PHYSICS
    • G07—CHECKING-DEVICES
    • G07F—COIN-FREED OR LIKE APPARATUS
    • G07F19/00—Complete banking systems; Coded card-freed arrangements adapted for dispensing or receiving monies or the like and posting such transactions to existing accounts, e.g. automatic teller machines
    • G07F19/20—Automatic teller machines [ATMs]

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Abstract

본 발명은 금융자동화기기의 이용이 불편한 장애인들이 편리하게 금융자동화기기를 이용하여 금융서비스를 받을 수 있도록 한 금융자동화기기에서 폰뱅킹을 이용한 금융서비스방법및시스템에 관한 것으로, 전화전용망을 통하여 교환기를 거쳐 폰뱅킹관리서버에 접속되는 단계; 상기 폰뱅킹관리서버로부터 폰뱅킹 서비스코드가 음성으로 안내되는 단계; 출금서비스코드를 입력하면 폰뱅킹비밀번호를 입력하도록 음성신호가 전송되는 단계; 폰뱅킹비밀번호가 입력되면 폰뱅킹관리서버에 이미 저장된 정보와 일치하는 경우 주민등록번호를 입력하도록 하는 음성신호가 전송되는 단계; 주민등록번호가 입력되면 비밀번호 확인 및 출금계좌번호를 입력하도록 하는 음성신호가 전송되는 단계; 출금계좌번호가 입력되면 계좌번호 확인 및 출금금액을 입력하도록 하는 음성신호가 전송되는 단계; 출금금액과 계좌비밀번호가 순차적으로 입력되면 비밀번호확인 및 서비스내용을 확인하도록 하는 음성신호가 전송되는 단계; 계좌비밀번호 및 출금금액이 확인되면 전화번호정보와 금융자동화기기의 기기번호정보를 상호 일치시키는 단계; 지폐입출금부를 통하여 현금이 출금되는 단계;로 이루어진 것을 특징으로 한다.The present invention relates to a financial service method and system using phone banking in a financial automated device that enables a disabled person who is inconvenient to use a financial automated device to receive a financial service using a financial automated device. Accessing the phone banking management server; Guiding a phone banking service code by voice from the phone banking management server; Inputting a withdrawal service code to transmit a voice signal to input a phone banking password; When the phone banking password is input, transmitting a voice signal for inputting a social security number if it matches the information already stored in the phone banking management server; Transmitting a voice signal for inputting a password verification and withdrawal account number when the resident registration number is input; When a withdrawal account number is input, transmitting a voice signal for inputting an account number and inputting a withdrawal amount; Transmitting a voice signal for confirming the password and checking the service contents when the withdrawal amount and the account password are sequentially input; If the account password and the withdrawal amount are confirmed, matching the phone number information and the device number information of the automated teller machine; Characterized in that consisting of; cash is withdrawn through the banknote withdrawal unit.

금융자동화기기, 시각장애인, 폰뱅킹Financial Automation Equipment, Visually Impaired, Phone Banking

Description

금융자동화기기에서 폰뱅킹을 이용한 금융서비스방법{The financial service method using automated teller machine connected with phonebanking}The financial service method using automated teller machine connected with phonebanking}

도 1은 본 발명에 따른 폰뱅킹과 결합된 금융자동화기기 예시도,1 is an exemplary financial automated device combined with a phone banking according to the present invention,

도 2,3은 본 발명의 일실시예에 따른 금융자동화기기 운용을 보여주는 구성도,2, 3 is a block diagram showing the operation of the automated teller machine according to an embodiment of the present invention,

도 4,5는 본 발명의 일실시예에 따른 금융자동화기기에서의 출금서비스 과정을 보여주는 흐름도.4, 5 is a flow chart showing a withdrawal service process in an automated teller machine according to an embodiment of the present invention.

*도면의 주요부분에 대한 부호의 설명** Explanation of symbols for main parts of drawings *

1 : 전화기 10 : 화면부1: Phone 10: Screen

11 : 지폐입출금부 12 : 수표입출금부11: Banknotes and withdrawals 12: Checks and withdrawals

20 : 중앙컴퓨터 30 : 금융자동화기기관리서버20: central computer 30: financial automated machine management server

40 : 폰뱅킹관리서버 50 : 교환기40: phone banking management server 50: switchboard

60 : 금융자동화기기전용망 61 : 금융자동화기기용회선60: dedicated network for financial automation equipment 61: lines for financial automation equipment

70 : 전화전용망 71 : 폰뱅킹용회선70: telephone network 71: phone banking line

80 : 통합전용망 81 : 통합회선80: Integrated Dedicated Network 81: Integrated Circuit

90 : 금융자동화기기90: financial automation equipment

본 발명은 금융자동화기기에서 폰뱅킹을 이용한 금융서비스방법및시스템에 관한 것으로서, 더욱 상세하게는 금융자동화기기에서 폰뱅킹을 이용하여 출금서비스가 가능하도록 함으로써 금융자동화기기의 이용이 불편한 장애인들이 편리하게 금융자동화기기를 이용하여 금융서비스를 받을 수 있도록 한 금융자동화기기에서 폰뱅킹을 이용한 금융서비스방법및시스템에 관한 것이다.The present invention relates to a financial service method and system using phone banking in a financial automated device, and more particularly, to facilitate withdrawal services using phone banking in a financial automated device, so that people with disabilities who are inconvenient to use the financial automated device can conveniently use the financial automation. The present invention relates to a financial service method and system using phone banking in a financial automated device that enables a financial service to be received using a device.

국내의 금융자동화기기는 은행, 무인자동화창구 등에 매우 많이 설치되어 24시간 365일 사용자들에게 출금업무, 입금업무, 이체업무 등의 금융서비스를 제공하면서 은행을 대신하고 있고, 은행 또한 금융자동화기기를 통해 각 은행 지점의 업무 효율화가 가능해져 이러한 금융자동화기기는 은행의 입장에서는 없어서는 안되는 매우 중요한 기기일 뿐만 아니라 은행을 이용하는 이용자의 입장에서도 금융서비스의 많은 부분을 금융자동화기기에 의존하고 있는 실정이다.Domestic financial automated devices are installed in banks, automated teller counters, etc., and replace banks by providing financial services such as withdrawal, deposit, and transfer services to users 24 hours a day, 365 days a year. Through this, banks can work efficiently, and these automatic teller machines are indispensable for the banks, and many of their financial services depend on them.

그럼에도 불구하고 종래의 금융자동화기기에서 현금출금시에는 카드를 투입 후 화면상의 출금거래메뉴를 선택하고(또는 출금거래메뉴를 선택한 후 카드를 투 입) 필요한 출금액을 선택하거나 여러 번 화면의 키(Key)조작을 통해 출금액을 입력하는 작업을 진행한 후 비밀번호를 입력하면 출금액 확인화면이 디스플레이되고 이를 확인하는 확인키(Key)를 선택해야 출금액이 방출되어 거래자가 현금을 수취할 수 있어, 금융자동화기기의 이용이 불편한 장애인(특히 시각장애인)의 경우에는 금융자동화기기에서 현금출금 등의 금융서비스를 받을 수 없는 문제점이 있고 기존의 장애인을 위한 금융자동화기기는 카드를 금융자동화기기에 투입하거나 금융자동화기기의 조작키를 사용해야 하는 불편함이 있고 카드 분실의 위험이 있는 문제점이 있다.Nevertheless, in the case of cash withdrawal in the conventional automatic teller machine, after inserting the card, select the withdrawal transaction menu on the screen (or select the withdrawal transaction menu and insert the card) and select the required withdrawal amount or the key on the screen several times. After inputting the withdrawal amount through the operation, if you input the password, the withdrawal confirmation screen is displayed and you must select the confirmation key to confirm this, and the withdrawal amount is released so that the trader can receive cash. In the case of the disabled (particularly visually impaired) who do not have access to the bank, it is not possible to receive financial services such as cash withdrawal from the automated teller machine. There is a problem in that the use of the operation key of the inconvenience and there is a risk of losing the card.

또한 폰뱅킹의 경우에는 현금인 수표의 출금이나 입금을 할 수가 없고 보안성이 취약한 단점이 있어 은행은 금융자동화기기와 폰뱅킹을 별도로 운영하고 있으나, 은행에 구비된 폰뱅킹은 은행지점에서도 별도의 장소에 위치하고 있어 지점에서의 폰뱅킹 이용률은 매우 낮으며 중복투자 및 이원화 관리로 효율성이 매우 저조한 문제점이 있다.In addition, in the case of phone banking, it is not possible to withdraw or deposit cash checks and the security is weak, so the bank operates the automated teller machine and phone banking separately, but the bank banking provided in the bank is located in a separate place at the bank branch. There is a problem that phone banking utilization rate is very low and efficiency is very low due to overlapping investment and dual management.

따라서 본 발명은 상술한 제반 문제점을 해결하고자 안출된 것으로, 본 발명의 금융자동화기기에서 폰뱅킹을 이용한 금융서비스방법및시스템는 금융자동화기기에 전화기를 부착하여 폰뱅킹을 이용한 금융서비스를 받을 수 있도록 함으로써 금융자동화기기의 이용이 불편한 장애인도 현금출금의 서비스를 받을 수 있고 카드를 금융자동화기기에 투입하지 않고도 금융서비스를 받을 수 있도록 함으로써 카드 분실의 위험을 방지하는 한편, 폰뱅킹과 금융자동화기기의 일원화된 관리를 할 수 있는 금융자동화기기에서 폰뱅킹을 이용한 금융서비스방법및시스템를 제공하는데 그 목적이 있다.
Therefore, the present invention has been made to solve the above-mentioned problems, the financial service method and system using the phone banking in the automated teller machine of the present invention by attaching a phone to the automated teller machine to receive the financial services using the phone banking Even people with disabilities who are inconvenient to use the device can receive cash withdrawal services and receive financial services without inserting the cards into the automated teller machines, thereby preventing the risk of card loss, while unifying the management of phone banking and automated teller machines. The purpose of the present invention is to provide a financial service method and system using phone banking in financial automated devices.

상술한 바와 같은 목적을 구현하기 위한 본 발명의 금융자동화기기에서 폰뱅킹을 이용한 금융서비스방법은, Financial service method using the phone banking in the automated teller machine of the present invention for achieving the above object,

사용자가 금융자동화기기에 부착된 전화기를 이용하여 전화를 걸면 전화전용망을 통하여 교환기를 거쳐 폰뱅킹관리서버에 접속되는 단계; 상기 폰뱅킹관리서버로부터 폰뱅킹 서비스코드가 음성신호로 전송되는 단계; 사용자가 전화기를 통해 출금서비스코드를 입력하면 폰뱅킹비밀번호를 입력하도록 음성신호가 폰뱅킹관리서버로부터 전송되는 단계; 폰뱅킹비밀번호가 입력되면 상기 폰뱅킹비밀번호정보는 폰뱅킹관리서버로 전송되고, 상기 폰뱅킹관리서버에 이미 저장된 정보와 일치하는 경우 주민등록번호를 입력하도록 하는 음성신호가 폰뱅킹관리서버로부터 전송되는 단계; 주민등록번호가 입력되어 상기 폰뱅킹관리서버에 저장된 정보와 일치하는 경우 비밀번호 확인 및 출금계좌번호를 입력하도록 하는 음성신호가 폰뱅킹관리서버로부터 전송되는 단계; 출금계좌번호가 입력되면 계좌번호 확인 및 출금금액을 입력하도록 하는 음성신호가 폰뱅킹관리서버로부터 전송되는 단계; 출금금액과 계좌비밀번호가 순차적으로 입력되면 비밀번호확인 및 서비스내용을 확인하도록 하는 음성신호가 폰뱅킹관리서버로부터 전송되는 단계; 계좌비밀번호 및 출금금액이 확인되면 폰뱅킹관리서버에 저장되어 있는 상기 전화기의 전화번호정보와 금융자동화기기관리서버에 저장되어 있는 상기 금융자동화기기의 기기번호정보가 상호 연결되는 단계; 상기 전화기의 전화번호와 금융자동화기기의 기기번호가 연결되면 중앙컴퓨터로부터 출금을 승인하는 신호가 상기 전화기의 전화번호와 연결된 금융자동화기기의 제어부에 전송되어 지폐입출금부를 통하여 현금이 출금되는 단계; 로 이루어진 것을 특징으로 한다.When the user makes a call using the telephone attached to the automated teller machine, is connected to the phone banking management server via an exchange through a dedicated telephone network; Transmitting a phone banking service code as a voice signal from the phone banking management server; When the user inputs a withdrawal service code through a telephone, a voice signal is transmitted from the phone banking management server to input the phone banking password; When the phone banking password is input, the phone banking password information is transmitted to a phone banking management server, and a voice signal for inputting a resident registration number when the information matches the information already stored in the phone banking management server is transmitted from the phone banking management server; When a social security number is input to match the information stored in the phone banking management server, a voice signal for inputting a password confirmation and withdrawal account number is transmitted from the phone banking management server; When the withdrawal account number is input, transmitting a voice signal for confirming the account number and inputting the withdrawal amount from the phone banking management server; When the withdrawal amount and the account password are sequentially input, a voice signal for confirming the password and checking the contents of the service is transmitted from the phone banking management server; When the account password and the withdrawal amount are confirmed, interconnecting the phone number information of the phone stored in the phone banking management server and the device number information of the automated teller machine stored in the financial automated device management server; When the telephone number of the telephone and the device number of the automated teller machine are connected, a signal for approving the withdrawal from the central computer is transmitted to a control unit of the automated teller machine connected to the telephone number of the telephone to withdraw cash through a banknote withdrawal unit; Characterized in that consisting of.

또한, 사용자가 금융자동화기기에 부착된 전화기를 이용하여 전화를 걸면 교환기를 통하여 폰뱅킹관리서버에 접속되는 단계; 상기 폰뱅킹관리서버로부터 폰뱅킹 서비스코드가 음성신호로 전송되는 단계; 사용자가 전화기를 통해 출금서비스코드를 입력하면 폰뱅킹비밀번호를 입력하도록 음성신호가 폰뱅킹관리서버로부터 전송되는 단계; 폰뱅킹비밀번호가 입력되면 상기 폰뱅킹비밀번호신호는 폰뱅킹관리서버로 전송되고, 상기 폰뱅킹관리서버에 이미 저장된 정보와 일치하는 경우 주민등록번호를 입력하도록 하는 음성신호가 폰뱅킹관리서버로부터 전송되는 단계; 주민등록번호가 입력되어 상기 폰뱅킹관리서버에 저장된 정보와 일치하는 경우 비밀번호 확인 및 출금계좌번호를 입력하도록 하는 음성신호가 폰뱅킹관리서버로부터 전송되는 단계; 출금계좌번호가 입력되면 계좌번호 확인 및 출금금액을 입력하도록 하는 음성신호가 폰뱅킹관리서버로부터 전송되는 단계; 출금금액과 계좌비밀번호가 순차적으로 입력되면 비밀번호확인 및 서비스내용을 확인하도록 하는 음성신호가 폰뱅킹관리서버로부터 전송되는 단계; 계좌비밀번호 및 출금금액이 확인되면 중앙 컴퓨터로부터 출금을 승인하는 신호가 통합전용망을 통해 금융자동화기기의 통합통신부를 거친 후 제어부로 전송되어 지폐입출금부를 통하여 현금이 출금되는 단계;로 이루어진 것을 특징으로 한다.In addition, when the user makes a call using the telephone attached to the automated teller machine is connected to the phone banking management server through the exchange; Transmitting a phone banking service code as a voice signal from the phone banking management server; When the user inputs a withdrawal service code through a telephone, a voice signal is transmitted from the phone banking management server to input the phone banking password; When the phone banking password is input, the phone banking password signal is transmitted to a phone banking management server, and a voice signal for inputting a resident registration number when the information matches the information already stored in the phone banking management server is transmitted from the phone banking management server; When a social security number is input to match the information stored in the phone banking management server, a voice signal for inputting a password confirmation and withdrawal account number is transmitted from the phone banking management server; When the withdrawal account number is input, transmitting a voice signal for confirming the account number and inputting the withdrawal amount from the phone banking management server; When the withdrawal amount and the account password are sequentially input, a voice signal for confirming the password and checking the contents of the service is transmitted from the phone banking management server; When the account password and the withdrawal amount is confirmed, a signal for approving the withdrawal from the central computer is transmitted to the control unit after passing through the integrated communication unit of the automatic teller machine through the integrated dedicated network, and cash is withdrawn through the banknote withdrawal unit. .

이하 첨부한 도면을 참조하여 본 발명의 바람직한 실시예에 대한 구성 및 작용을 상세히 설명하면 다음과 같다.Hereinafter, the configuration and operation of the preferred embodiment of the present invention will be described in detail with reference to the accompanying drawings.

도 1은 본 발명에 따른 폰뱅킹과 결합된 금융자동화기기 예시도이고, 도 2,3은 본 발명의 일실시예에 따른 금융자동화기기 운용을 보여주는 예시도이며, 도 4,5는 본 발명의 일실시예에 따른 금융자동화기기에서의 출금서비스 과정을 보여주는 흐름도이다.1 is an exemplary view showing an automated teller machine coupled to a phone banking according to the present invention, Figures 2 and 3 are exemplary views showing the operation of the automated teller machine according to an embodiment of the present invention, Figures 4,5 A flowchart illustrating a withdrawal service process in an automated teller machine according to an embodiment.

도 1에 도시된 바와 같이 금융자동화기기에 사용자가 폰뱅킹을 이용할 수 있도록 전화기(1)가 장착되어 있는데, 상기 전화기(1)는 개인만 들을 수 있는 음성지원과 번호키(Key)가 달려 있어 장애인이 음성안내에 따라 번호키를 누를 수 있도록 되어 있다.As shown in FIG. 1, a telephone 1 is mounted on the automatic teller machine so that a user can use phone banking, and the telephone 1 is equipped with a voice support and a number key that only an individual can hear. According to this voice guidance, the number key can be pressed.

본 발명은 일반적인 계좌이체, 잔고조회 등의 금융서비스는 일반전화(53)나 무선핸드폰(54)을 이용하여 공중망(52)을 통해 폰뱅킹서비스를 받을 수 있도록 되어 있고, 이와는 별도로 금융자동화기기마다 1대의 전화기(1)를 장착하여 폰뱅킹관 리서버(40)와 금융자동화기기관리서버(30)에서 상기 전화기(1)의 전화번호와 금융자동화기기의 기기번호를 1:1로 결합하여 운용함으로써 폰뱅킹서비스를 제공하는 것으로 이루어진다.The present invention is a general service such as account transfer, balance inquiry, etc. is to be able to receive the phone banking service through the public network 52 using a general telephone 53 or a wireless mobile phone 54, and separately from each financial automated device 1 Phone banking management by mounting the phone (1) in the phone banking management server 40 and the automated teller machine management server 30 by combining the phone number of the phone 1 and the device number of the automated teller machine 1: 1 Consists of providing a service.

즉, 장애인의 경우 현금과 수표의 출금 및 예금서비스는 금융자동화기기에 장착된 전화기(1)를 이용한 폰뱅킹서비스를 이용하고, 이체 등의 온라인서비스는 일반전화(53) 또는 무선핸드폰(54)을 이용하여 금융서비스를 받을 수 있는 것이다.That is, in case of the disabled, cash and check withdrawal and deposit service use the phone banking service using the telephone 1 mounted on the automated teller machine, and the online service such as a transfer can be made using a general telephone 53 or a wireless mobile phone 54. You can get financial services.

도 2에 도시된 본 발명의 실시예는 서로 다른 회선을 이용하여 금융자동화기기에서 폰뱅킹을 결합하여 운용하는 것이다.The embodiment of the present invention shown in Figure 2 is to operate by combining the phone banking in the automated teller machine using different lines.

그 구성을 살펴보면, 각각의 금융자동화기기(90)마다 전화기(1)가 장착되어 있고 상기 금융자동화기기(90)와 중앙컴퓨터(20)와의 통신은 2개의 루트를 통하여 이루어지는데, 상기 금융자동화기기(90)를 사용자가 직접 조작하여 행하는 일반적인 금융거래는 금융자동화기기용회선(61)과 연결된 금융자동화기기전용망(60)을 이용하여 중앙컴퓨터(20)의 금융자동화기기관리서버(30)에서 이루어지는 반면에 상기 전화기(1)를 이용한 폰뱅킹의 경우에는 폰뱅킹용회선(71)과 연결된 전화전용망(70)을 이용하여 교환기(50)를 거친 다음 중앙컴퓨터(20)의 폰뱅킹관리서버(40)에서 금융거래가 이루어진다.Looking at the configuration, each of the automated teller machine 90 is equipped with a telephone (1) and the communication between the automated teller machine 90 and the central computer 20 is made through two routes, the automated teller machine A general financial transaction performed by a user by directly operating 90 is performed by the automated teller machine management server 30 of the central computer 20 by using the dedicated autonomic teller network 60 connected to the line for the automatic teller machine 61. On the other hand, in the case of phone banking using the phone 1, the bank banking management server 40 of the central computer 20 passes through the exchanger 50 using the telephone dedicated network 70 connected to the phone banking line 71. A transaction is made.

금융자동화기기(90)의 전화기(1)를 이용한 폰뱅킹이 진행되는 과정을 도 4를 기준으로 설명하면 다음과 같다.The process of the phone banking using the phone 1 of the automated teller machine 90 will be described with reference to FIG. 4 as follows.

사용자가 상기 전화기(1)를 이용하여 전화를 걸면 폰뱅킹용회선(71)과 연결된 전화전용망(70)을 통하여 교환기(50)에 신호가 전송이 되고, 상기 교환기(50)를 거쳐 폰뱅킹관리서버(40)에 접속이 되면 폰뱅킹서비스 프로그램이 시작된다.When a user makes a phone call using the telephone 1, a signal is transmitted to the exchange 50 through the telephone dedicated network 70 connected to the phone banking line 71, and through the exchange 50, a phone banking management server ( 40), the phone banking service program starts.

상기 폰뱅킹관리서버(40)에서는 교환기(50)로부터 신호를 전송받으면 폰뱅킹을 통하여 이용할 수 있는 각종 서비스코드를 음성으로 사용자에게 알려주기 위해 전화전용망(70)을 통하여 사용자의 전화기(1)로 데이터를 전송한다.When the phone banking management server 40 receives a signal from the switchboard 50, data is transmitted to the user's telephone 1 through the telephone-only network 70 to inform the user by voice of various service codes available through phone banking. send.

사용자가 전화기(1)에 있는 번호키(Key)를 통해 출금서비스코드를 입력하면 이 신호를 수신한 폰뱅킹관리서버(40)로부터 폰뱅킹비밀번호를 입력하도록 음성신호가 전송된다.When the user inputs the withdrawal service code through the number key in the telephone 1, a voice signal is transmitted from the phone banking management server 40 which receives this signal to input the phone banking password.

사용자가 폰뱅킹비밀번호를 입력하면 상기 폰뱅킹비밀번호정보는 폰뱅킹관리서버(40)로 전송되는데, 상기 폰뱅킹관리서버(40)에 이미 저장된 비밀번호정보와 일치하는 경우에는 주민등록번호를 입력하도록 하는 음성신호가 폰뱅킹관리서버(40)로부터 전송된다.When the user inputs the phone banking password, the phone banking password information is transmitted to the phone banking management server 40. When the phone banking management server 40 matches the password information already stored in the voice signal to input the resident registration number, the phone banking management server. 40 is sent.

사용자가 주민등록번호를 입력하면 상기 폰뱅킹관리서버(40)에 저장된 주민등록번호정보와 비교하여 일치하는 경우 비밀번호 확인 및 출금계좌번호를 입력하도록 하는 음성신호가 폰뱅킹관리서버(40)로부터 전송된다.When the user inputs the resident registration number, a voice signal for comparing the resident registration number information stored in the phone banking management server 40 and inputting a password confirmation and withdrawal account number is transmitted from the phone banking management server 40.

사용자가 비밀번호를 확인하고 출금계좌번호를 입력하면 계좌번호 확인 및 출금금액을 입력하도록 하는 음성신호가 폰뱅킹관리서버(40)로부터 전송된다.When the user checks the password and inputs the withdrawal account number, a voice signal for confirming the account number and entering the withdrawal amount is transmitted from the phone banking management server 40.

사용자가 출금금액과 계좌비밀번호를 순차적으로 입력하면 비밀번호확인 및 서비스내용을 확인하도록 하는 음성신호가 폰뱅킹관리서버(40)로부터 전송된다.When the user sequentially inputs the withdrawal amount and the account password, a voice signal for confirming the password and checking the contents of the service is transmitted from the phone banking management server 40.

사용자에 의해 계좌비밀번호 및 출금금액을 확인하는 절차가 끝나면 현금을 출금시키는 절차를 수행하기 위해 폰뱅킹관리서버(40)에 저장된 상기 전화기(1)의 전화번호정보와 금융자동화기기관리서버(30)에 저장되어 있는 상기 금융자동화기기의 기기번호정보가 상호 연결되는 과정이 수행된다.After the procedure of checking the account password and withdrawal amount by the user is completed, the telephone number information of the phone 1 and the automated teller machine management server 30 stored in the phone banking management server 40 to perform the procedure of withdrawing cash. A process of interconnecting the stored device number information of the automated teller machine is performed.

전화번호와 금융자동화기기의 기기번호가 상호 연결되면 중앙컴퓨터(20)로부터 출금을 승인하는 신호가 상기 금융자동화기기(90)의 제어부에 전송되어 지폐입출금부(11)를 통하여 현금이 출금되게 된다.When the phone number and the device number of the automated teller machine are interconnected, a signal for approving the withdrawal from the central computer 20 is transmitted to the control unit of the automated teller machine 90 so that the cash is withdrawn through the banknote withdrawal unit 11. .

도 3에 도시된 본 발명의 또다른 실시예는 하나의 회선을 이용하여 금융자동화기기에서 폰뱅킹을 결합하여 운용하는 것이다.Another embodiment of the present invention shown in FIG. 3 is to combine and operate the phone banking in the automated teller machine using one line.

그 구성을 살펴보면, 각각의 금융자동화기기(90)마다 전화기(1)가 장착되어 있고 상기 금융자동화기기(90)와 중앙컴퓨터(20)와의 통신은 하나의 루트를 통하여 이루어지는데, 사용자가 전화기(1)를 이용하여 폰뱅킹에 접속하면 금융자동화기기에 연결된 통합회선(81)을 통해 금융자동화기기의 제어부와 통합통신부를 거쳐 통합전용망(80)을 이용하여 중앙컴퓨터(20)와 통신을 하게 된다.Looking at the configuration, each of the automated teller machine 90 is equipped with a telephone (1) and the communication between the automated teller machine 90 and the central computer 20 is made through one route, the user ( 1) is connected to the phone banking to communicate with the central computer 20 by using the integrated dedicated network 80 through the control unit and the integrated communication unit of the automated teller machine through the integrated line 81 connected to the automated teller machine.

이 경우 금융자동화기기(90)를 사용자가 직접 조작하여 행하는 일반적인 금융거래는 금융자동화기기관리서버(30)에서 이루어지고, 상기 전화기(1)를 이용한 폰뱅킹의 경우에는 폰뱅킹관리서버(40)에서 이루어진다.In this case, a general financial transaction performed by a user directly operating the automated teller machine 90 is performed by the automated teller machine management server 30, and in the case of a phone banking using the phone 1, the call banking management server 40 is performed. .

상기 전화기(1)를 이용한 폰뱅킹이 진행되는 과정을 도 5를 기준으로 설명하 면 다음과 같다.The process of the phone banking using the phone 1 will be described with reference to FIG. 5 as follows.

상기 도 4에 도시된 서로 다른 회선을 이용하여 금융자동화기기에서 폰뱅킹을 결합하여 운용하는 경우와 달리 통합전용망(80)을 이용하여 금융거래를 수행하므로 전화번호와 금융자동화기기번호를 상호 연결시킬 필요가 없게 된다.Unlike the case in which the banking is operated in the automated teller machine using the different lines shown in FIG. 4, the financial transaction is performed using the integrated dedicated network 80, so that the phone number and the automated teller machine number need to be interconnected. There will be no.

따라서 사용자에 의해 계좌비밀번호 및 출금금액을 확인하는 절차가 끝나면 현금을 출금시키는 절차를 수행하기 위해 폰뱅킹관리서버(40)에 저장된 상기 전화기(1)의 전화번호정보와 금융자동화기기관리서버(30)에 저장되어 있는 상기 금융자동화기기의 기기번호정보를 상호 연결시키는 과정을 수행하지 않고 곧바로 출금이 이루어지고, 그 나머지 과정은 서로 다른 회선을 이용하여 금융자동화기기에서 폰뱅킹을 결합하여 운용하는 경우와 동일하게 구성되어 있다.Therefore, after the procedure of checking the account password and withdrawal amount by the user, the telephone number information and the automated teller machine management server 30 of the phone 1 stored in the phone banking management server 40 to perform the procedure of withdrawing cash. Withdrawal is made immediately without performing the process of interconnecting the device number information of the automated teller machine stored in the bank, and the rest of the process is the same as the case of combining and operating phone banking in the automated teller machine using different lines. It is composed.

이상에서 상세히 설명한 바와 같이 본 발명에 따른 금융자동화기기에서 폰뱅킹을 이용한 금융서비스방법및시스템에 의하면, 금융자동화기기에 장착된 전화기를 이용하여 폰뱅킹 금융서비스를 받을 수 있도록 함으로써 금융자동화기기의 이용이 불편한 장애인도 화면을 직접 조작할 필요없이 편리하게 현금출금서비스를 받을 수 있고, 카드를 금융자동화기기에 투입하지 않고도 금융서비스를 받을 수 있어 카드 분실의 위험을 방지하며, 장애인 뿐만 아니라 일반인도 편리하게 금융서비스를 제공받을 수 있는 효과가 있다.According to the financial service method and system using the phone banking in the financial automated device according to the present invention as described above in detail, it is inconvenient to use the financial automated device by allowing the phone banking financial services to be received by using a phone mounted on the financial automatic device. People with disabilities can conveniently receive cash withdrawal services without directly operating the screen, and can receive financial services without inserting the card into the automated teller machine, thereby preventing the risk of card loss. The service can be provided.

Claims (4)

사용자가 금융자동화기기에 부착된 전화기를 이용하여 전화를 걸면 전화전용망을 통하여 교환기를 거쳐 폰뱅킹관리서버에 접속되는 단계; 상기 폰뱅킹관리서버로부터 폰뱅킹 서비스코드가 음성신호로 전송되는 단계; 사용자가 전화기를 통해 출금서비스코드를 입력하면 폰뱅킹비밀번호를 입력하도록 음성신호가 폰뱅킹관리서버로부터 전송되는 단계; 폰뱅킹비밀번호가 입력되면 상기 폰뱅킹비밀번호정보는 폰뱅킹관리서버로 전송되고, 상기 폰뱅킹관리서버에 이미 저장된 정보와 일치하는 경우 주민등록번호를 입력하도록 하는 음성신호가 폰뱅킹관리서버로부터 전송되는 단계; 주민등록번호가 입력되어 상기 폰뱅킹관리서버에 저장된 정보와 일치하는 경우 비밀번호 확인 및 출금계좌번호를 입력하도록 하는 음성신호가 폰뱅킹관리서버로부터 전송되는 단계; 출금계좌번호가 입력되면 계좌번호 확인 및 출금금액을 입력하도록 하는 음성신호가 폰뱅킹관리서버로부터 전송되는 단계; 출금금액과 계좌비밀번호가 순차적으로 입력되면 비밀번호확인 및 서비스내용을 확인하도록 하는 음성신호가 폰뱅킹관리서버로부터 전송되는 단계; 계좌비밀번호 및 출금금액이 확인되면 폰뱅킹관리서버에 저장되어 있는 상기 전화기의 전화번호정보와 금융자동화기기관리서버에 저장되어 있는 상기 금융자동화기기의 기기번호정보가 상호 연결되는 단계; 상기 전화기의 전화번호와 금융자동화기기의 기기번호가 연결되면 중앙컴퓨터로부터 출금을 승인하는 신호가 상기 전화기의 전화번호와 연결된 금융자동화기기의 제어부에 전송되어 지폐입출금부를 통하여 현금이 출금되는 단계; 로 이루 어진 것을 특징으로 하는 금융자동화기기에서 폰뱅킹을 이용한 금융서비스방법.When the user makes a call using the telephone attached to the automated teller machine, is connected to the phone banking management server via an exchange through a dedicated telephone network; Transmitting a phone banking service code as a voice signal from the phone banking management server; When the user inputs a withdrawal service code through a telephone, a voice signal is transmitted from the phone banking management server to input the phone banking password; When the phone banking password is input, the phone banking password information is transmitted to a phone banking management server, and a voice signal for inputting a resident registration number when the information matches the information already stored in the phone banking management server is transmitted from the phone banking management server; When a social security number is input to match the information stored in the phone banking management server, a voice signal for inputting a password confirmation and withdrawal account number is transmitted from the phone banking management server; When the withdrawal account number is input, transmitting a voice signal for confirming the account number and inputting the withdrawal amount from the phone banking management server; When the withdrawal amount and the account password are sequentially input, a voice signal for confirming the password and checking the contents of the service is transmitted from the phone banking management server; When the account password and the withdrawal amount are confirmed, interconnecting the phone number information of the phone stored in the phone banking management server and the device number information of the automated teller machine stored in the financial automated device management server; When the telephone number of the telephone and the device number of the automated teller machine are connected, a signal for approving the withdrawal from the central computer is transmitted to a control unit of the automated teller machine connected to the telephone number of the telephone to withdraw cash through a banknote withdrawal unit; Financial service method using a phone banking in a financial automated device, characterized in that consisting of. 삭제delete 삭제delete 삭제delete
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