KR100722874B1 - Method for providing a payment service for a commission and an automatic teller machine for executing the method - Google Patents

Abstract

The present invention relates to a method for providing a fee payment service and a financial automation device for performing the method, and more particularly, to a fee associated with a user for paying a fee according to a user's financial transaction in connection with a predetermined point management server; A financial automation device for performing the method. According to the present invention, the fee according to the financial transaction can be settled in various ways to further increase the convenience of the user, and by providing a predetermined point according to the user's use of the financial automation device, the utilization rate of the financial automation device is further increased. It can increase.

Financial Automation Devices, Fees, Points, Miles, Payments

Description

METHOD FOR PROVIDING A PAYMENT SERVICE FOR A COMMISSION AND AN AUTOMATIC TELLER MACHINE FOR EXECUTING THE METHOD}

1 illustrates a general structure of a financial automation device.

2 is a diagram illustrating a network configuration for providing a fee settlement service according to an embodiment of the present invention.

3 is a block diagram illustrating an internal configuration of a financial automation device according to an embodiment of the present invention.

4 is a block diagram illustrating an internal configuration of a point management server according to an embodiment of the present invention.

5 is a diagram illustrating an example of a GUI screen of a financial automation device that pays a fee using a point, according to an embodiment of the present invention.

6 is a flowchart illustrating a method for providing a fee payment service using a financial automation device according to the present invention.

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

301: financial transaction request receiving unit 401: point information DB

302: financial transaction performing unit 402: fee payment request receiving unit

303: point information requesting unit 403: point subtracting unit

304: point information receiver 404: financial transaction information receiver

305: fee payment unit 405: points earning unit

306: point information output unit

307: reward card input unit

The present invention relates to a method for providing a fee payment service and a financial automation device for performing the method. More particularly, the present invention relates to a fee management service for interfacing with a predetermined point management server to pay a fee according to a user's financial transaction. A method and a financial automation device for performing the method.

With respect to traditional financial transactions that have been carried out by banks in direct contact with the clerks, the emergence of Automatic Teller Machines (ATMs) has revolutionized in many ways. The customer's waiting time has been significantly reduced, and even after the financial institution is closed, the customer can benefit from financial transactions whenever they want. Not only the customers, but also the financial institution's processing time is reduced, and the workforce is reduced due to the reduction of manpower and cost.

In addition, it adds various functions to financial automation devices such as banks, insurance, and credit cards, such as booking tickets for planes or trains and cultural events such as theaters, plays and concerts. To maximize the user's convenience.

However, banks or financial automation device companies are forced to charge users a fee in exchange for providing such a convenience. In addition, as the additional functions of the financial automation device increase, a lot of labor costs and costs for maintenance and management are incurred, and thus the fee amount is gradually increasing.

In addition, banks have recently earned much lower returns than ever before due to fierce competition among financial institutions. Accordingly, in order to compensate for this, the user's fee burden is increasing as the business strategy is changed to make profits with various fees instead of the preliminary margin (difference between deposit rate and loan rate). As a result, the user's objection to payment of the fee is also increasing. In addition, there has been a hassle of additional payment of a small fee.

Therefore, in the fee payment method, a new payment method that can solve the conventional problem is required, and alternatively, if the payment can be performed using various points associated with the user, users, banks, and financial automation device operators It will be very useful to everyone.

Accordingly, the present invention proposes a new technology related to a method for paying a fee associated with a user's financial transaction with a point associated with a user in connection with a predetermined point management server and a financial automation device that performs the method.

The present invention has been made to improve the prior art as described above, in the method for paying the fee according to the user's financial transaction, it is an object of using various points related to the user.

Another object of the present invention is to use a carrier's point or mileage of a specific company as a point for paying a fee, or use a new point managed by a financial automation device provider itself.

Another object of the present invention is to issue and operate a point card associated with a financial automation device, thereby facilitating the use of the financial automation device.

Still another object of the present invention is to allow continuous updating by deducting or accumulating points while integrating and managing a plurality of point information associated with a user in a predetermined point management server.

In order to achieve the above object and to solve the above-mentioned problems of the prior art, a financial automation device for providing a fee payment service in connection with a point management server according to an embodiment of the present invention is a request for a predetermined financial transaction from the user A financial transaction request receiving unit for receiving information, a financial transaction performing unit for performing a financial transaction according to the financial transaction request, and generating fee information according to the performed financial transaction, and requesting the point information of the user to the point management server. And a user point information requesting unit, a user point information receiving unit for receiving point information of the user from the point management server, and a fee payment unit for paying the fee based on the point information.

In addition, the point management server for providing a fee payment service in conjunction with the financial automation device according to the present invention is a point information database for storing and maintaining the user's point information, and earn a certain point in accordance with the financial transaction of the user in the point information A point earning unit, a fee payment request receiving unit for receiving a fee payment request according to the financial transaction of the user from the financial automation device, and a point subtraction unit for updating the point information by subtracting a certain point according to the fee payment request; Characterized in that.

In addition, a method for providing a fee settlement service in connection with a predetermined point management server according to the present invention comprises the steps of receiving financial transaction request information from a user, performing a financial transaction in accordance with the financial transaction request, the performed financial Generating fee information according to a transaction, requesting point information of the user to the point management server, wherein the point management server stores and maintains a plurality of point information for each user; Receiving point information, and paying the fee based on the user point information.

Hereinafter, a method for providing a fee payment service and a financial automation device for performing the method will be described in detail with reference to the accompanying drawings.

The term "financial automated machine" used in the present invention refers to an ATM (Automated Teller Machine), as well as a cash dispenser (CD), an unmanned terminal (KIOSK), a giro receiver, and a bank, insurance It is broadly interpreted as a concept that includes a series of unmanned automated devices capable of performing financial transactions, such as complex automated devices that provide various financial services such as credit cards.

As used herein, the term "points" is based on a method in which a user pays a predetermined amount in advance and deducts the credit or accumulates according to the user's transaction (use) performance. It is interpreted as including all used points, miles, bonus points, etc.

1 illustrates a general structure of a financial automation device. Reference numeral 101 denotes an operation terminal that receives a menu selection and operation for a financial transaction from a user. The manipulation terminal may be implemented as a touch screen or a keypad. In addition, reference numeral 102 denotes an entry / exit part of a banknote for counting and storing banknotes, and reference numeral 103 denotes an account book for reading a bankbook and performing bankbook rearranging. Reference numeral 104 is a card reader that reads a card according to a user's financial transaction card input and performs card related tasks. The card reader may read not only a financial transaction card but also an accumulation card or ID card for other business. In addition, the financial automation device may further include a communication unit for accessing the central server, a controller for controlling the operation of the financial automation device, a memory unit for storing various data, and a printing module.

2 is a diagram illustrating a network configuration for providing a fee payment service according to an embodiment of the present invention. As shown in the figure, a network for providing a fee settlement service according to the present invention includes a mobile communication company 201, a point-related company 202, a point management server 203, and a financial automation device 204. do.

The mobile communication companies 201 are companies related to various communication businesses such as wireless communication providers or wired communication providers. Such a mobile communication company 201 mostly provides a predetermined carrier point to customers, and cooperates with various service providers to allow the customer to use a discount or payment service using the carrier point. For example, some mobile service providers 201 may provide points that can be used for one year according to the user's mobile communication usage history, pay a certain percentage of the payment amount at the restaurant or a movie theater, and pay the corresponding amount by the corresponding amount. The method of subtracting from the point is used. In the present invention, a mobile communication company will be described as an example of a company providing the points of the deduction method.

The point-related company 202 cooperates with various merchants such as gas stations, restaurants, and department stores, and when a user presents a points (mileage) card such as cash or a credit card when using the merchant, the points are earned by a certain percentage of the purchase amount. Earn. In addition, if the accumulated point is more than a certain amount it can be used as a service such as product purchase or cash repayment.

The point management server 203 is connected to the mobile communication company 201 and the point-related company 202 and other companies that operate the point, while managing a plurality of point information associated with the user, by deducting or earning points Perform ongoing point information updates. In addition, the point management server 203 manages the point information and provides a service that can settle a financial transaction fee using the point at the user's request.

As another embodiment according to the present invention, the point management server 203 may manage and maintain its own points. That is, a business entity directly associated with the financial automation device 204 may issue and reward points to a user and manage and maintain points while operating the point management server 203. As an example, a predetermined point may be provided and accumulated according to the use history of the financial automation device 204, and a fee may be settled using the point when a fee is generated according to a user's financial transaction. As such, by generating and operating a new point according to the use of the financial automation device 204, the user's use rate of the financial automation device may be further increased.

The financial automation device 204 provides various financial services such as banks, insurance, and credit cards, and various additional services such as ticket issuing, and in connection with the point management server 203, the fee for using the service is provided. Allows users to make payments using various points associated with the user.

According to the present invention, the mobile communication company 201 and the point management server 203, the point related company 202 and the point management server 203, and the point management server 203 and the financial automation device 204 may Various data for fee settlement using points can be transmitted and received using a predetermined communication network. In addition, as an example of the communication network, in addition to the Internet based IP protocol, FTTH / O / C (broadband network), ATM (broadband communication network), CATV network, LAN, ADSL, Ethernet Firewall & VPN and Loadbalancer & CDN At least one can be used.

3 is a block diagram illustrating an internal configuration of a financial automation device according to an embodiment of the present invention.

As shown in the figure, the financial automation device 204 for payment of fees according to the present invention is a financial transaction request receiving unit 301, financial transaction performing unit 302, point information requesting unit 303, point information receiving unit ( 304, a fee settlement unit 305, a point information output unit 306, and a point card input unit 307.

The financial transaction request receiving unit 301 receives predetermined financial transaction request information from the user. The financial transaction request information includes user identification information associated with at least one of the user's credit card, debit card, and bank account.

Frequently, financial transaction means such as bankbooks, credit cards and debit cards generally maintain a uniquely identifiable identification number of the financial transaction means, along with a magnetic strip that stores the identification number of the financial transaction means. In addition, the identification number may be stored using an integrated circuit (IC) chip instead of the magnetic stripe.

Therefore, the financial transaction request receiving unit 301 may read the user identification information by receiving the financial transaction means from the user and accessing a predetermined user database through the magnetic strip of the financial transaction means or the IC chip. The user identification information includes information for identifying a user in relation to a financial transaction. For example, the user identification information may include a user's bank, an account holder, an account number, and the like.

The financial transaction request receiving unit 301 may finance not only user identification information as financial transaction request information, but also various types of financial transactions such as credit cards, insurance and securities, as well as bank services such as deposit withdrawal, account inquiry, and transfer. Receive transaction identification information.

The financial transaction performing unit 302 performs a financial transaction such as deposit withdrawal or bank transfer according to the financial transaction request received by the financial transaction request receiving unit 301 and generates fee information according to the performed financial transaction. The fee information includes a fee amount, and the fee amount may be different depending on the type of the financial transaction or the bank.

The point information request unit 303 requests the point information of the user from the point management server 203. The point information request unit 303 requests the point information based on the user identification information included in the financial transaction request information. That is, the point management server 203 searches for point information including the point balance and the point type of the user based on the user identification information.

The point information receiving unit 304 receives the point information of the user requested by the point information requesting unit 303 from the point management server 203 using a predetermined communication network.

The fee settlement unit 305 pays the fee generated according to the user's financial transaction based on the point information. The point information includes available point balance information, and the fee settlement unit 305 pays the fee within the point balance limit. When the payment fee amount exceeds the point balance, when the balance shortage message is transmitted to the user, the user uses another point or pays the fee through a bank or a financial company as in the prior art.

As such, by providing the user with various methods of paying the financial transaction fee, the user's selectivity can be expanded and the user's convenience can be further increased. In addition, by providing a service that can pay a fee according to a user's financial transaction by a predetermined point by using a financial automation device, it is possible to reduce the burden on paying the fee of the user.

The financial automation device 204 according to the present invention may further include a point information output unit 306 and a point card input unit 307.

The point information output unit 306 outputs the point information received by the point information receiver 304 to the user. Since the point information includes available point balance information, the user can easily identify the current balance point and perform point payment.

The point card input unit 307 receives a predetermined point card separately from the financial transaction card put in by the user.

According to an embodiment of the present invention, a fee may be paid by interworking with a corresponding point company according to a user's selection among various conventional point companies associated with a user. In this case, the user must input a separate point card, and the point card input unit 307 receives the separate point card from the user. In addition, the loyalty card input unit 307 can receive the identification number of the loyalty card and pay the fee. For input of the point card, the point card input unit 307 may include a card recognition module or a keypad input unit.

As another embodiment according to the present invention, the point management server 203 manages and maintains the points associated with the financial automation device, and when the fee is generated according to the user's financial transaction, the fee may be paid using the points. . In this case, the point information may be extracted based on the user identification information received by the financial transaction request receiving unit 301 without the user having to insert a separate point card.

4 is a block diagram illustrating an internal configuration of a point management server according to an embodiment of the present invention. As shown in the figure, the point management server 203 according to the present invention includes a point information database 401, a fee settlement request receiver 402, a point deduction unit 403, a financial transaction information receiver 404, and a point. The earning unit 405 is included.

The point information database 401 stores and maintains a plurality of user point information. That is, the point information database 401 stores and maintains a plurality of point types and point balance information corresponding to the user identification information.

The fee payment request receiving unit 402 receives a fee payment request according to the financial transaction of the user from the financial automation device 204, and the point subtraction unit 403 deducts a certain point according to the fee payment request to the point information. Update the.

The financial transaction information receiving unit 404 receives the financial transaction information according to the financial transaction of the user from the financial automation device 204, and the point earning unit 405 accumulates a certain point according to the financial transaction information to obtain the point information. Update

According to the present invention, the point earning unit 405 may earn a certain amount of points according to the number of financial transactions using the financial automation device of the user, and may otherwise earn a certain amount of points as points according to the amount of financial transactions. have. As such, by providing and earning a predetermined point according to the user's use of the financial automation device 204, the user may be encouraged to use the financial automation device 204 more.

5 is a diagram illustrating an example of a GUI screen of a financial automation device that pays a fee using a point, according to an embodiment of the present invention.

Reference numeral 501 is an example of a screen for providing a plurality of financial services and additional service menus to a user through a display module of a financial automation device. The user selects the desired menu and inputs financial transaction means such as credit card, debit card, and bank account for financial transaction.

Reference numeral 502 denotes an example of outputting a fee amount generated after the user completes a financial transaction and providing a plurality of payment menus for the fee payment. The payment menu for paying the fee includes points (ATM points) operated by financial automation device providers, points operated by mobile carriers (carrier points), and points operated by various companies (OK cashback or other points). Can be.

A method of extracting user identification information for retrieving point information relating to a user may be extracted from financial transaction means such as credit cards, debit cards, and bankbooks that the user has entered for financial transactions. A separate loyalty card may be requested and extracted from the loyalty card, and user identification information may be extracted only by inputting the separate loyalty card number.

Reference numeral 503 is an example of extracting the point information of the user and outputting the point balance and fee payment amount, and the point balance after payment. When the fee amount exceeds the point balance, a balance shortage message is transmitted to the user, and a point payment method selection screen shown in 502 is provided to allow the user to reselect.

Reference numeral 504 illustrates an example in which certain points are accumulated according to a user's financial transaction. As shown in the figure, the user may earn a certain amount of points as points according to the number of financial transactions or the amount of financial transactions using the financial automation device, and the points may be used for payment of future financial fees.

6 is a flowchart illustrating a method for providing a fee payment service using a financial automation device according to the present invention.

In step S601, the financial transaction request information is input from the user using the financial automation device. The financial transaction request information includes user identification information associated with at least one of the user's credit card, debit card, and bank account.

That is, in this step, the predetermined financial transaction means may be input from the user, and the identification information of the user may be read out through the magnetic strip or the IC chip of the financial transaction means. The user identification information includes information for identifying a user in relation to a financial transaction. For example, the user identification information may include a user's bank, an account holder, and an account number.

In addition, in this step, in addition to the user identification information as the financial transaction request information, financial transaction identification information for various types of financial transactions such as credit cards, insurance and securities, as well as bank services such as deposit withdrawal, account inquiry, and transfer from the user. Get input.

In step S602, based on the financial transaction request information received in step S601, a corresponding financial transaction is performed, and fee information generated after execution is generated. The fee information includes a fee amount, and the fee amount may be different depending on the type of the financial transaction or the bank.

In step S603, the point type for fee payment according to the financial transaction of the user is selected, and the corresponding point information is requested to the point management server. In this step, the point information is requested based on the user identification information included in the financial transaction request information received in step S601.

According to an embodiment of the present invention, a fee may be paid using a corresponding point according to a user's selection among various conventional points associated with a user. In this case, in this step, a separate reward card may be input from the user, or the fee may be paid by receiving an identification number of the reward card.

As another embodiment according to the present invention, while managing and maintaining its own point in the point management server, when the fee occurs in accordance with the user's financial transaction, it is possible to pay the fee using the point. In this case, in this step, the user can extract the point information based on the user identification information without having to insert a separate point card.

In step S604, in response to the point information request transmitted from the financial automation device, the corresponding point information is extracted from the point management server and transmitted to the financial automation device.

The point management server maintains a predetermined point information database that stores a plurality of user-specific point information. Therefore, in this step, using the point information database, the user identification information and the point type and point balance information corresponding to the user identification information are extracted and transmitted to the financial automation device.

In step S605, the financial transaction fee is settled based on the point information received from the point management server. The point information includes available point balance information, and in this step, the fee is paid within the point balance limit. When the payment fee amount exceeds the point balance, a balance shortage message is delivered to the user, and another point is requested from the user, or a payment request is made through a bank or a financial company as in the prior art.

In step S606, if fee payment is made in step S605, the financial management server subtracts points corresponding to the fee payment amount and updates the point information database.

According to the present invention, the method may further include step S607, and in step S607, a certain point is accumulated according to the financial transaction performance using the financial automation device of the user to update the point information database. In this step, a certain amount of points may be accumulated according to the number of financial transactions of the user. Alternatively, a certain amount of points may be accumulated as points according to the amount of financial transactions.

As such, by providing and earning a predetermined point according to the user's use of the financial automation device, the user may be encouraged to use the financial automation device more. In this case, the user can earn points to pay a fee, it is useful, financial automation device operators can increase the utilization rate of the financial automation device, banks and financial companies also many users will use the financial automation device This will further reduce the financial staff.

The method for providing a fee payment service using the financial automation device according to the present invention has been described so far, and the details mentioned in the embodiments of FIGS. 1 to 5 can be applied to the present embodiment as it is. It will be omitted.

The method for implementing a method for providing a fee payment service using a financial automation device according to the present invention may be implemented in the form of program instructions that can be executed by various computer means and recorded in a computer readable medium. The computer readable medium may include program instructions, data files, data structures, etc. alone or in combination. Program instructions recorded on the media may be those specially designed and constructed for the purposes of the present invention, or they may be of the kind well-known and available to those having skill in the computer software arts. Examples of computer-readable recording media include magnetic media such as hard disks, floppy disks, and magnetic tape, optical media such as CD-ROMs, DVDs, and magnetic disks, such as floppy disks. Magneto-optical media, and hardware devices specifically configured to store and execute program instructions, such as ROM, RAM, flash memory, and the like. The medium may be a transmission medium such as an optical or metal wire, a waveguide, or the like including a carrier wave for transmitting a signal specifying a program command, a data structure, or the like. Examples of program instructions include not only machine code generated by a compiler, but also high-level language code that can be executed by a computer using an interpreter or the like. The hardware device described above may be configured to operate as one or more software modules to perform the operations of the present invention, and vice versa.

In the present invention as described above has been described by the specific embodiments, such as specific components and limited embodiments and drawings, but this is provided to help a more general understanding of the present invention, the present invention is not limited to the above embodiments. For those skilled in the art, various modifications and variations are possible from such description.

Therefore, the spirit of the present invention should not be limited to the described embodiments, and all the things that are equivalent to or equivalent to the claims as well as the following claims will belong to the scope of the present invention. .

According to the present invention, by paying the financial transaction fee using a variety of points associated with the user, it is possible to reduce the burden on the user to pay the fee.

According to the present invention, as a means for paying a fee, user convenience can be further improved by providing various means such as carrier points, mileage of a specific company, or new points managed by a financial automation device provider.

According to the present invention, by providing a predetermined point according to the financial automation device user's use history, it is possible to further increase the financial automation device usage rate.

According to the present invention, by managing a plurality of point information associated with the user in a predetermined point management server, more efficient point management can be achieved.

Claims (8)

In the financial automation device for providing a fee payment service in conjunction with the point management server, A financial transaction request receiver for receiving a predetermined financial transaction request from a user; A financial transaction performing unit that performs a financial transaction according to the input of the financial transaction request; A card input unit configured to receive a point card from the user for paying a fee generated by the financial transaction; A point information request unit for requesting point information corresponding to the input point card to the point management server; A user point information receiver configured to receive point information of the user from the point management server in response to the request; And Fee payment unit for paying the fee in consideration of the point balance limit of the received point information Financial automation device comprising a. The method of claim 1, The financial transaction request information includes user identification information associated with at least one of the user's credit card, debit card, and bankbook; The point information requesting unit requests the point information based on the user identification information. delete delete delete delete In the method for providing a fee payment service in conjunction with a predetermined point management server, Receiving a predetermined financial transaction request from a user; Performing a financial transaction according to the input of the financial transaction request; Receiving a point card from the user for paying a fee generated by the financial transaction; Requesting the point management server for point information corresponding to the input point card; Receiving point information of the user from the point management server in response to the request; And Paying the fee in consideration of the point balance limit of the received point information; Fee payment service providing method using a financial automation device comprising a. A computer-readable recording medium having recorded thereon a program for executing the method of claim 7.

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