KR100765298B1 - Automatic teller machine for showing estimated restoration time and method of the same - Google Patents

Abstract

An automatic teller machine for displaying an estimated restoration time and a method therefor are provided to improve reliability of a management company of the automatic teller machine by displaying the estimated restoration time when the balance is short or the automatic teller machine is out of order. An automatic teller machine for displaying an estimated restoration time includes an error occurrence detection unit(210), an error information transceiving unit(220) and a user output unit(230). The error occurrence detection unit(210) detects an error of the automatic teller machine. The error information transceiving unit(220) transmits error occurrence information to a financial server in response to the error occurrence detection. The error information transceiving unit(220) receives estimated restoration time information corresponding to the error from the financial server. The user output unit(230) outputs the received estimated restoration time information through a display device.

Description

AUTOMATIC TELLER MACHINE FOR SHOWING ESTIMATED RESTORATION TIME AND METHOD OF THE SAME}

1 is a diagram illustrating a system for providing expected recovery time information according to an embodiment of the present invention.

2 is a diagram showing the internal configuration of a financial automation device according to an embodiment of the present invention.

3 is a diagram illustrating an average fund performance table stored in a financial server according to an embodiment of the present invention.

4 is a diagram illustrating a message displayed on a display device of a financial automation device when a balance is insufficient.

FIG. 5 is a diagram illustrating a message displayed on a display device of a financial automation device at the time of a device failure.

6 is a diagram illustrating a method of operating a financial automation device according to an embodiment of the present invention.

<Explanation of symbols for main parts of the drawings>

110: financial server

200: financial automation equipment

210: failure occurrence detection unit

220: failure information transceiver

230: user output unit

240: fault status display unit

250: control unit

The present invention relates to a financial automation device, and more particularly, to a financial automation device and a method for displaying the estimated recovery time information received from the financial server by transmitting the detected failure occurrence information to the financial server.

In the traditional financial transactions that were conducted in direct contact with the clerks through financial institutions, the emergence of Automatic Teller Machines (ATMs) has revolutionized in many ways. The waiting time of the user is significantly reduced, and even after the work of the financial institution, the user can enjoy the benefit of being able to perform financial transactions whenever they want.

Financial automation equipment basically provides many financial tasks performed by financial institutions such as banks and village safes. The user can perform a desired financial transaction in a short time by simply operating a financial automation device installed in a bank or the like without using a bank clerk in account transfer, balance inquiry, deposit withdrawal, and bank account arrangement. These advantages of financial automation devices have led to a rapid increase in the number of customers, installations, and installation sites of financial automation devices, making it easy to find them today. Recently, such financial automation devices are not simply installed in financial institutions such as banks, but are installed in various places such as convenience stores, theaters, and shops, so that anyone can conveniently use various financial services without restriction of place and time.

Such convenient financial automation equipment requires a very difficult management in that it loads cash.

Currently, operating funds distributed to financial automation devices are trained and learned through the financial transaction performance of financial automation devices, and through neural theory that predicts future demand through pattern analysis of each device. Is calculated. That is, a predetermined incumbent company that supplies the operating funds calculates the necessary funds based on the neural network theory in the cash management server, calculates the operating funds from the calculated required funds, and supplies cash required for each financial automation device. . However, operating funds calculated on the basis of neural network theory cannot fully reflect the fluctuations in the funds, which vary significantly depending on variables such as location, date, and time. Often it is necessary.

If the balance is insufficient for the financial automation device, the bank or the current carrier must decide whether to transport additional cash to the financial automation device (hereinafter referred to as 'current delivery'). If there is a lack of operating funds or a shortage of additional on-demand personnel, such financial automation equipment, which lacks the balance, should be left unchanged until the next in-transit, and the user may feel a great inconvenience. As a result, as the reliability of financial automation equipment falls, banks and current companies also lose their trust from customers. Therefore, the customer needs to satisfy the customer's desire to know the next time in advance when the balance of the financial automation equipment is insufficient.

In addition, even in the event of a failure due to a device defect of the financial automation device, the user should visit the financial automation device from time to time to confirm the recovery of the failed financial automation device. Accordingly, there is a need for a differentiated financial automation device that can provide the expected time to recover from the failure, similar to the above shortage situation.

The present invention has been made to solve the problems of the prior art as described above, and an object of the present invention is to provide a financial automation device that displays the recovery time due to the next suspension when the balance is insufficient.

An object of the present invention is to provide a financial automation device that displays a recovery time by an administrator in the event of a device failure.

An object of the present invention is to provide a method for operating a financial automation device that displays an expected recovery time when a balance is insufficient or when a device breaks down.

An object of the present invention is to minimize the decline in the reliability of the relevant companies (banks or current carriers) that are expected to be unable to use financial automation equipment due to lack of balance or equipment failure.

In order to achieve the above object and solve the problems of the prior art, the financial automation device according to the present invention is a failure occurrence detection unit for detecting a failure occurrence, failure occurrence information in response to the failure occurrence detection to the financial server And a user information output unit configured to transmit and receive an expected recovery time information corresponding to the failure from the financial server, and to output the expected recovery time information to a predetermined output device.

The failure occurrence information according to an embodiment of the present invention is characterized in that it is associated with insufficient balance or device failure.

According to an embodiment of the present invention, when the failure occurrence information is associated with insufficient balance, the financial server may calculate the estimated recovery time information according to a predetermined priority given to the financial automation device.

The priority according to an embodiment of the present invention is determined by one or more of the current history, transaction history, and the average current time of the automated teller machine.

According to an embodiment of the present invention, when the failure occurrence information is associated with a device failure, the financial server calculates the expected recovery time information based on the failure processing information input by the failure processing manager.

The financial automation device according to an embodiment of the present invention further includes a failure state display unit displaying the failure recovery time information in any one of a form of lighting, blinking, and beeping when the failure occurs.

The user output unit according to an embodiment of the present invention is characterized in that further outputs the cause of the failure associated with the occurrence of the failure.

In the method for providing estimated recovery time information in the financial automation device according to an embodiment of the present invention, detecting a failure occurrence, transmitting failure occurrence information to a financial server in response to the failure occurrence detection, the financial server Calculating an expected recovery time information corresponding to the occurrence of the failure based on the failure occurrence information, and receiving the estimated recovery time information from the financial server and outputting the estimated recovery time information to the user.

Hereinafter, exemplary embodiments of the present invention will be described in detail with reference to the accompanying drawings and the contents described in the accompanying drawings, but the present invention is not limited or limited to the embodiments.

The term "financial automated machine" used in the present invention refers to ATM (Automatic Teller Machine), as well as cash dispenser (CD), unmanned terminal (KIOSK), giro receiver, and 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 services such as credit cards and additional services.

1 is a diagram illustrating a system for providing expected recovery time information according to an embodiment of the present invention.

Referring to FIG. 1, when a failure occurs, the financial automation device 100 generates failure information through a predetermined communication network and transmits the generated failure information to the financial server 110. For example, the failure occurrence information includes a failure type, and the failure type includes a shortage of a balance and a device failure. In addition, the financial server 110 is connected to the financial automation device 100 through a predetermined communication network to manage the financial automation device 100, and may include a bank server and a current carrier company server. The bank server stores past transaction performance information for the financial automation device, and the current carrier company server calculates a current time and a current amount of payment to the financial automation device or a predetermined period of time based on the past transaction performance information. It is possible to predict the amount of money and the amount of time the money has been sent.

For example, when the type of failure is insufficient balance, the financial automation device 100 transmits the failure occurrence information according to the lack of balance to the financial server 110, and the financial server 110 is connected to the failure occurrence information. Calculate the expected failover time accordingly. At this time, the financial server 110 may calculate the failure recovery time through the past transaction performance information for the financial automation device 100 is the failure occurs. For example, when a balance shortage occurs in a plurality of financial automation devices among a plurality of financial automation devices managed by the financial server 110, the financial server 110 may fail from the plurality of financial automation devices. Occurrence information can be collected to determine specific financial automation devices to be added further. Specific financial automation devices to be additionally dispatched from the plurality of financial automation devices in which the balance shortage has occurred may be determined according to priorities. The priority is determined through the current history, transaction performance, and average current time, etc. For example, the priority may be determined with reference to past money performance information collected from the respective financial automation devices or the next current time. Can be. That is, priorities may be determined in order of the time when the balance shortage occurs and the expected withdrawal amount for the next present time for each financial automation device. The expected withdrawal amount may be calculated based on the past fund performance information.

In addition, as another example, the priority may be determined by referring to an interval between a shortage of a balance time of each of the plurality of financial automation devices and a next time of the present dispatch. That is, priorities may be determined in order of long time intervals between the remaining short time after the remaining balance time. If the next cash flows for a plurality of financial automation devices are all at 2 pm, the cash flows may be additionally sent to predetermined financial automation devices in consideration of cash held by the current carrier in the order in which the shortage of balances occurs first. .

As another example, when the type of failure is a device failure, the financial automation device 100 transmits failure occurrence information to the financial server 110. At this time, when the financial automation device 100 can grasp the information on the device in which the failure occurs, the failure information includes the information on the device in which the failure occurs and transmits the information. Accordingly, the manager of the financial server 110 notifies the failure occurrence information to a predetermined failure management manager, and receives an expected recovery time from the failure processing manager. The estimated recovery time may be an arrival time to the financial automation device 100 in which the device failure occurs according to a schedule of the failure processing manager.

As a result, the financial automation device 100 according to the present invention may receive and display the estimated recovery time information due to the lack of balance and the failure of the device from the financial server 110, thereby minimizing a decrease in reliability from the user.

2 is a diagram showing the internal configuration of a financial automation device 200 according to an embodiment of the present invention.

Referring to FIG. 2, the financial automation device 200 may include a failure occurrence detection unit 210, a failure information transmission and reception unit 220, a user output unit 230, a failure state display unit 240, and a controller 250. Include.

The failure occurrence detection unit 210 detects a failure of the financial automation device 200. The type of failure that can be detected by the failure occurrence detection unit 210 is a normal operation due to a failure in which cash withdrawal is not possible due to a lack of balance held by the financial automation device 200 and a failure of a specific device in the financial automation device 200. Includes impossible disorders. According to an embodiment of the present invention, when the detected failure type is the device failure, the failure occurrence detection unit 210 identifies the specific device that has failed, and generates the information about the identified specific device. It can be detected as information.

The failure information transmitting and receiving unit 220 transmits the failure occurrence information to the financial server 110 in response to the failure occurrence detection, and receives the estimated recovery time information corresponding to the failure from the financial server 110.

To this end, the failure information transmitting and receiving unit 220 when the failure occurs in the financial automation device 200 through the failure occurrence detection unit 210, the failure generation information according to the generated failure of the financial server 110 To send). When the type of failure is insufficient balance, the failure information transmitting / receiving unit 220 may transmit time information on the balance shortage to the financial server 110. In addition, when the type of failure is a device failure, the failure information transceiver 220 may transmit identification information and a failure time of the specific device that failed, to the financial server 110. The financial server 110 receives the failure occurrence information, calculates expected recovery time information for recovering the failure, and transmits the estimated recovery time information to the failure information transceiver 220.

The financial server 110 may consider a predetermined priority in order to calculate the expected recovery time information according to the failure generated in the financial automation device 200. For example, when the type of obstacle is insufficient balance, the financial server 110 may determine the priority in consideration of the current history, transaction history, and average current time of the financial automation device 100. Determining the priority with reference to past transaction results in the event that the shortage of the balance has occurred will be described in detail with reference to FIG. 3.

3 is a diagram illustrating an average fund performance table 300 stored in the financial server 110 according to an embodiment of the present invention.

Referring to FIG. 3, the average fund performance table 300 records the withdrawal amount for each time zone according to each day of the predetermined financial automation device 200. In order to maintain the average fund performance table 300, the financial server 100 includes a main memory including a random access memory (RAM) and a read only memory (ROM).

Referring to 310, the financial automation device 200 calculates an average fund performance based on information on deposit and withdrawal performance for months or years on Sunday. As a result, on average, KRW 800,000 in cash was withdrawn between 10:00 AM and 11:00 AM on Sundays, and KRW 1.2 million in cash was averaged between 11:00 AM and 12:00 AM, and average between 12:00 PM and 1:00 PM. It can be seen that 1.5 million won was withdrawn. If, at noon (12:00), the balance of the financial automation device 200 becomes 0 won, and the next present time is 2:00 pm, the financial automation device 200 may have a shortage of approximately two hours. It is expected. At this time, if the priority for the additional cash flow to the financial automation device 200 in which the balance shortage has occurred is determined as the balance shortage time, the financial automation device 200 having the longest balance shortage time is determined as the highest priority. In addition, the financial server 110 may determine an additional cash transmission to financial automation devices within a predetermined rank.

In addition, as another example, the financial server 110 may determine the priority by referring to the withdrawal amount predicted during the balance short time based on the average fund performance table 300. That is, the financial server 110 is the withdrawal amount of 1.5 million won expected from the time of the balance shortage to 1:00 pm with respect to the financial automation device 200 in which the balance shortage situation occurred at noon and the next current time from 1 pm The 2.9 million won plus the withdrawal amount of 1.4 million won until 2 pm may be determined as the expected withdrawal amount expected during the shortage of balance in the financial automation device 200. That is, the financial server 110 calculates the expected withdrawal amount of each of the plurality of financial automation devices in which the shortage of balance has occurred, and additionally transmits a predetermined number from the financial automation device, which is the largest expected withdrawal amount, to the predetermined number of financial automation devices. You can decide. At this time, the predetermined number of the currently suspended financial automation devices may be determined flexibly, in consideration of the cash holding amount of the current carrier.

In addition, when the failure type is a device failure, the estimated recovery time may be calculated through a response from the failure management manager. That is, the failure processing manager notifies the financial server 110 of the dispatch time to the financial automation device 200 in which the device failure occurs in consideration of the current schedule, and the financial server 110 considers the dispatch time. The estimated recovery time information can be calculated.

The user output unit 230 controls a predetermined output device to output the estimated recovery time information.

4 illustrates a message displayed on the display device 410 of the financial automation device 200 when the balance is insufficient.

For example, when the type of failure of the financial automation device 200 is insufficient balance, the financial server 110 receiving the failure occurrence information due to the lack of the balance is based on the past fund performance, the balance shortage time or the expected withdrawal. Determine the priority by calculating the amount of money to determine whether or not to add additional cash. The determined whether or not the additional current transmission is transmitted to the financial automation device 200 through a predetermined communication network. If the financial automation device 200 is out of a predetermined priority, the financial server 200 does not plan an additional current delivery to the financial automation device 200, and transfers the next current time to the financial automation device 200. send. Accordingly, the financial automation device 200 may display on the display device 410 that the cash is to be charged at the next current time 14:00. If the financial automation device 200 is within a predetermined priority, the financial server 110 requests an additional current delivery to the current carrier, collects an additional current delivery time expected from the current carrier and the financial automation device 200. To pass). At this time, the financial automation device 200 outputs a predetermined message for the additional present time to the display device 410.

FIG. 5 is a diagram illustrating a message displayed on the display device 510 of the financial automation device 200 when a device malfunctions.

For example, when the type of failure of the financial automation device 200 is a device failure, the financial server 110 that receives the failure occurrence information notifies a predetermined failure processing manager of the failure occurrence information. Accordingly, the failure processing manager notifies the financial server 110 of the estimated time to repair the financial automation device 200 in consideration of a schedule, and the financial server 110 includes an expected recovery. The time information is transmitted to the financial automation device 200. The financial automation device 200 receiving the estimated recovery time information outputs a predetermined message including the estimated recovery time information through the display apparatus 510.

In addition, in FIG. 2, the controller 250 performs an overall control operation for driving the financial automation device 200.

The financial automation device 200 according to an embodiment of the present invention further includes the status display unit 240 to display the failure recovery time information in any one of a form of lighting, blinking, and warning when the failure occurs. do. That is, the status display unit 240 may display the failure recovery time information through a light emitting device such as an LED or a small speaker.

6 is a view showing an operation method of the financial automation device 200 according to an embodiment of the present invention.

First, in step 601, the financial automation device 200 identifies a failure when a failure occurs and generates failure occurrence information. Accordingly, the financial automation device 200 transmits the generated failure occurrence information to the financial server 110 in step 602. A failure occurring in the financial automation device 200 may be a lack of balance or a malfunction of the device, and the financial automation device 200 first identifies a handicapped person due to the lack of the balance or a disabled person due to the device failure when a failure occurs. . In addition, when the failure is a device failure, the financial automation device 200 may recognize a specific part that malfunctions. In this case, the failure occurrence information transmitted to the financial server 110 further includes device information on the malfunctioning specific portion.

The financial server 110 receives the failure occurrence information from the financial automation device 110 in step 603 and calculates estimated recovery time information from the failure occurrence information.

When the generated failure is insufficient balance, the financial server 110 determines the priority by referring to the past current history, transaction history, and average current time of the financial automation device 200, and transmits the failure occurrence information. The next current time is determined by comparing priorities with a plurality of financial automation devices, and the estimated recovery time information is calculated according to the next current time. At this time, information such as the past current history, transaction history, and average current time may be collected from a predetermined bank server.

When the generated failure is a device failure, the financial server 110 delivers the failure occurrence information collected from the financial automation device 110 to a predetermined failure management manager, and receives a predictable dispatch time from the failure processing manager. . Accordingly, the financial server 110 calculates the estimated recovery time information for the financial automation device 200 in consideration of the dispatch time.

The calculated estimated recovery time information is transmitted to the financial automation device 200 through a predetermined communication network, and the financial automation device 200 having received the estimated recovery time information receives the estimated recovery time information through a display device and a speaker. Outputs a predetermined message including a.

Embodiments of the invention include a computer readable medium containing program instructions for performing various computer-implemented operations. The computer readable medium may include program instructions, data files, data structures, etc. alone or in combination. 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 recording media such as CD-ROMs, DVDs, magnetic-optical media such as floppy disks, and ROM, RAM, flash memory, and the like. Hardware devices specifically configured to store and execute the same program instructions are included. 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.

As described above, the present invention has been described by specific embodiments such as specific components and the like, but the embodiments and the drawings are provided only to help a more general understanding of the present invention, and 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, it is possible to provide a financial automation device that displays an expected recovery time when a balance is insufficient or when a device breaks down.

According to the present invention, it is possible to minimize the decline in the reliability of the relevant company (bank or current carrier) operating the financial automation device due to lack of balance or equipment failure, and provide a customer-oriented differentiated service.

Claims (9)

In financial automation equipment, A failure occurrence detection unit detecting a failure occurrence of the financial automation device; A failure information transmission / reception unit configured to transmit failure occurrence information to a financial server in response to the failure occurrence detection, and receive estimated recovery time information corresponding to the failure from the financial server; And User output unit for outputting the received recovery time information received through the display device Financial automation device comprising a. The method of claim 1, The failure occurrence information is financial automation device, characterized in that associated with lack of balance or device failure. The method of claim 1, And the financial server calculates the estimated recovery time information according to a priority given to the financial automation device when the failure occurrence information is related to the lack of balance. The method of claim 3, The priority is a financial automation device, characterized in that determined by any one or more of the current history, the transaction history, and the average time of the automated teller machine. The method of claim 1, And when the failure occurrence information is associated with a device failure, the financial server calculates the estimated recovery time information based on the failure management information input by the failure management manager. The method of claim 1, The financial automation device further comprises a failure state display unit which displays any one of lighting, blinking, and a warning sound when the failure occurs. The method of claim 1, And the user output unit further outputs a failure cause associated with occurrence of the failure. In the method for providing an expected recovery time information corresponding to the failure when a failure occurs in the financial automation device, Detecting a failure of the financial automation device; Transmitting failure occurrence information to a financial server in response to the failure occurrence detection; Calculating predicted recovery time information corresponding to the occurrence of the failure based on the failure occurrence information at the financial server; And Receiving the estimated recovery time information from the financial server and outputting it to a user Method for providing a failure recovery time information, characterized in that it comprises a. A computer-readable recording medium having recorded thereon a program for executing the method of claim 8.

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