KR100801896B1 - Automatic teller machine for providing client photograph in itemized account and method thereof - Google Patents

Abstract

An ATM(Automated Teller Machine) and a method for providing a client's photograph on an itemized account are provided to prevent illegal withdrawal of money by collecting the photograph data of criminals through the itemized accounts. An ATM(200) for providing financial transaction services is composed of a financial transaction request receiving unit(203) receiving a financial transaction request from a user; at least one camera(201,202) generating photograph data about a user by taking a picture of the user on at least one position according to the financial transaction request; an image quality judging unit(208) for judging the image quality of photograph data for each position and generating a service control signal according to the judgment result; a financial transaction service processing unit(204) processing financial transaction services according to the financial transaction request and generating financial transaction information corresponding to the processed financial transaction service; a display device(207) guiding the procedures of the financial transaction services to a user; a print information generating unit(205) generating the print information of itemized accounts including the user's photograph according to the financial transaction information and photograph data; and an itemized account output unit(206) printing the print information on an itemized account paper and outputting the printed itemized account.

Description

AUTOMATIC TELLER MACHINE FOR PROVIDING CLIENT PHOTOGRAPH IN ITEMIZED ACCOUNT AND METHOD THEREOF}

1 is a view for explaining a network including a financial automation device according to the present invention.

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

3 is a view for explaining a specification table according to an embodiment of the present invention.

4 is a flowchart illustrating a method of outputting a specification table on which a picture of a user is displayed by using a financial automation device according to an embodiment of the present invention.

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

200: financial automation device 201: first camera

202: second camera 203: financial transaction information receiver

204: Financial transaction service processing unit 205: Print information generation unit

206: specification table output unit 207: display device

208: image quality determination unit 209: server connection unit

The present invention relates to a financial automation device and method, and more particularly, to a financial automation device and method for photographing a customer's face requesting a financial transaction and simultaneously printing the customer's face on a specification table.

With respect to traditional financial transactions that have been carried out by banks in direct contact with clerks, the advent of Automatic Teller Machines (ATMs) has revolutionized in many ways. Accordingly, the waiting time of the financial transaction customers is significantly reduced, and even after the financial institution's work is terminated, the customer can enjoy the benefit that the financial transaction can be performed at any time.

Financial automation equipment basically provides many financial tasks performed by financial institutions such as banks and village safes. The financial transaction customer can perform a desired financial transaction in a short time by simply operating a financial automation device installed in the bank without having to go through a bank clerk in account transfer, balance inquiry, deposit withdrawal, and bank account arrangement. These advantages of financial automation devices have led to a dramatic increase in the number of customers, installations, and installation locations 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 a convenient financial automation device currently captures a user through a single camera and stores it in a predetermined server in order to reduce the possibility of a current dispute and prevent crime. However, as intelligent crimes increase in recent years, criminals avoid taking pictures of themselves by covering cameras embedded in financial automation devices with their hands. In this case, since the criminal's picture is not stored, a lot of difficulties may be generated in solving the crime.

In addition to avoiding criminals being taken in this way, the general public tends to refuse to take photos due to concerns that their privacy is infringed by cameras installed in financial automation devices. There is a problem in that dispute resolution becomes difficult.

The present invention has been made to solve the problems of the prior art as described above, the object of the present invention is to facilitate dispute resolution, to prevent crime, and also to provide an interesting visitor photograph to induce interest To this end, it is to provide a financial automation device and method for printing a picture of a visitor who made a financial transaction on the specification table.

In order to achieve the above object and solve the above-mentioned problems of the prior art, the financial automation device according to the present invention is a financial transaction request receiving unit for receiving a financial transaction request from a user, at least one position in accordance with the financial transaction request At least one camera that photographs and generates photo data for the user, an image quality determiner configured to determine image quality of the photo data of each of the generated positions, and generate a service control signal according to the determination result; A financial transaction service processing unit for processing a financial transaction service according to a transaction request and generating financial transaction information according to the processed financial transaction service, a display device for guiding a process of the financial transaction service to the user, and the financial transaction information; User picture is included according to the picture data Printing the printing information generation unit, and the itemized-slip print information to generate print information to sepyo paper specification table and characterized in that it comprises an output specification table for outputting the printed paper specification table.

In the financial automation device according to an embodiment of the present invention, the at least one camera includes a first camera and a second camera, and displays a user picture on the display device according to the picture data generated by the first camera. And back up the photo data generated by the second camera to a predetermined memory.

In the financial automation device according to another embodiment of the present invention, the image quality determining unit regenerates the photo data by the at least one camera or the financial transaction service processing unit processes the financial transaction service according to the service control signal. Characterized in that.

The image quality determination unit according to an embodiment of the present invention is characterized in that the image quality is determined by comparing the photo data with data on the main feature points for the face of a person.

The financial automation device according to another embodiment of the present invention further includes a server connection unit which transmits the specification table printing information to a predetermined server connected to the Internet network, and the predetermined server stores the specification table printing information in a database. When the client accesses the predetermined server and requests to view the predetermined server, the predetermined server searches for the database and provides the specification table print information to the user.

The method for providing a financial transaction service in a financial automation device according to an embodiment of the present invention comprises the steps of: receiving a financial transaction request from a user, generating photo data for the user according to the financial transaction request, the generated Determining whether the image quality of the photo data meets a predetermined criterion; if the image quality is less than or equal to a predetermined criterion, regenerating photographic data for the user; if the image quality is greater than or equal to a predetermined criterion, processing a financial transaction service according to the financial transaction request; Generating financial transaction information according to the processed financial transaction service, and generating a financial transaction specification table including a user photograph according to the photo data and the financial transaction information.

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.

1 is a view for explaining a network including a financial automation device 100 according to the present invention.

The financial automation device 100 according to the present invention includes at least one or more cameras, and generates at least one or more photo data of a user by using the at least one or more cameras. In addition, the financial automation device 100 outputs and prints the user photo according to the generated photo data and the financial transaction information generated according to the financial transaction service provided to the user on a financial transaction specification table, and the photo data and the The financial transaction information is correlated and backed up to a predetermined server 110 connected to the Internet network.

For example, the financial automation device 100 may be provided with two cameras. Accordingly, the first camera and the second camera provided in the financial automation device 100 may generate photograph data by photographing the user at different locations. As another example, the first camera and the second camera provided at different positions may generate the photo data at predetermined time intervals. As a result, the user may keep the financial transaction specification table including the user picture output according to the picture data. Accordingly, due to the financial transaction that the user has forgotten, the number of inquiries that the user inquires is reduced, so that the amount of work may be reduced in financial institutions such as a call center. In this way, it can be used as information that can prevent future disputes, as well as minimize the possibility of criminal withdrawal and solve the crime more easily.

According to an embodiment of the present invention, the photo data and the financial transaction information are recorded in the predetermined server 110 connected to the internet network in association with each other. Accordingly, the user may later access the predetermined server 110 via a communication terminal such as a computer to view the photo data and the financial transaction information or output the same to a printer connected to the communication terminal.

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

As shown in FIG. 2, the financial automation device 200 may include at least one camera, a financial transaction request receiver 203, a financial transaction service processor 204, a print information generator 205, and a specification table outputter 206. ). In addition, the financial automation device 200 may include a display device 207 for displaying user photos and financial transaction information, and an image quality determination unit 208 for determining validity by reading photo data taken by the at least one camera. And a server connection unit 209 for transmitting photo data and financial transaction information to the predetermined server 110.

According to one embodiment of the invention, the at least one camera comprises a first camera 201 and a second camera 202. That is, the financial automation device 200 may include the first camera 201 and the second camera 202 mounted at different positions, and may photograph a user who performs a financial transaction at different angles. In addition, the first camera 201 and the second camera 202 may photograph the user at a predetermined time difference from different angles.

The financial transaction request receiver 203 receives a financial transaction request from a user. In order to receive the financial transaction request, the financial transaction request receiver 203 may include hardware such as a credit card reader, a keypad, and a touch screen. That is, the financial transaction request may mean a predetermined input operation for all financial transactions that a user can generally perform using a financial automation device. According to another embodiment of the present invention, when the financial transaction request from the user is input to the financial transaction request receiver 203, the at least one or more cameras may photograph the user and generate photo data.

The financial transaction service processing unit 204 processes a financial transaction service according to the financial transaction request, and generates financial transaction information according to the processed financial transaction service. For example, the financial transaction request receiving unit 203 receives a withdrawal request of a predetermined amount from the user as the financial transaction request, and the financial transaction service processing unit 204 authenticates in connection with a predetermined financial server according to the withdrawal request. Update the withdrawal information, and provide the user with the amount of the predetermined amount; In addition, the financial transaction information is generated based on the withdrawal information updated in the predetermined financial server. The financial transaction information may include an account number, balance information, withdrawal or deposit information, transaction time information, transaction device information, etc., generated according to a conventional financial transaction and output on a specification table.

The print information generation unit 205 generates specification table print information including a user picture according to the financial transaction information and the picture data. That is, the print information generation unit 205 prints the photo data of the user generated by the at least one camera and the financial transaction information generated by the financial transaction service processing unit 204. The device converts the data into readable data to generate specification table printing information including the user's photo.

The generated specification table printing information is printed on the specification sheet paper through the specification table output unit 206 and output. To this end, the specification table output unit 206 includes a printer device such as a thermal printer, and a thermal paper or the like may be used as the specification table paper.

3 is a view for explaining the specification table 300 according to an embodiment of the present invention.

As shown in FIG. 3, the specification table 300 according to an embodiment of the present invention includes a first field 310 displaying financial transaction information and a second field 320 displaying a user picture. That is, the first field 310 displays financial transaction information generated according to a financial transaction service as in the prior art, and the first field 201 or the second camera 202 is displayed in the second field 320. The generated picture data can be displayed. More specifically, the first field 310 is transaction time information (August 1, 2006 14:00), transaction type information (withdrawal), transaction account information (016-21-1450) generated according to a user's withdrawal transaction. -131), transaction amount information (100,000 won), and balance information (1 million won), and the second field 310 includes a picture taken by the user before the withdrawal transaction.

The financial automation device 200 according to an embodiment of the present invention includes a display device 207 for guiding a process of the financial transaction service to a user. In addition, the display device 207 displays a user picture according to the picture data generated by the first camera 201, wherein the picture data generated by the second camera 202 is backed up to a predetermined memory. Can be.

The financial automation device 200 according to another embodiment of the present invention includes an image quality determination unit 208 that determines an image quality of the generated photo data and generates a service control signal according to the determination result. . Accordingly, the financial automated machine 200 regenerates the photo data through the at least one camera according to the generated service control signal, or the financial transaction service processing unit 204 processes the financial transaction service. That is, the image quality determining unit 208 controls the at least one camera to regenerate the photo data when the photographed photo data is of a quality that is difficult to read. In addition, the image quality determining unit 208 processes the financial transaction service processing unit 204 to provide a predetermined financial transaction service in response to a financial transaction request from the user when the photographed picture data is of a quality higher than a predetermined standard. do. As a more specific example, the image quality determining unit 208 may determine the image quality by comparing the photo data with data on the main feature points of the human face. That is, the image quality determination unit 208 may determine the quality of the picture data by determining whether the main feature points such as eyes, nose, mouth, and ears are included in the picture data. In this way, data on the main feature points of the face of the person as a reference may be managed in a predetermined memory.

The financial automation device 200 according to another embodiment of the present invention includes a server connection unit 209 for transmitting the statement print information to a predetermined server 110 connected to the Internet network. At this time, the predetermined server 110 having received the specification table print information stores the specification table print information in a database, and when the user accesses and requests the reading, searches the database to search the database and the corresponding financial transaction with the user's picture. Provide the user with the specification table printing information including the information. As a result, the user can conveniently and quickly search his or her financial transaction information, and can use various additional services such as backing up the photos stored in the database to the mini homepage or printing them.

As a result, the financial automation device 200 according to the present invention can print a picture of the visitor who has made a financial transaction, so that it can be easily handled in the case where the confirmation of the transaction customer is required to resolve the dispute, and the customer can use the device. It is intriguing and allows you to keep a statement with your photo as a souvenir. In addition, since the financial automation device 200 according to the present invention can collect the photo data of the criminals through the specification table, there is an effect to cope with crime prevention, such as illegal withdrawal.

4 is a flowchart illustrating a method of outputting a specification table on which a picture of a user is displayed by using the financial automation device 200 according to an embodiment of the present invention.

Referring to FIG. 4, the financial automation device 200 receives a financial transaction request for a predetermined financial transaction service from the user in step 401. The financial transaction service includes services such as withdrawal, deposit, bank transfer, balance inquiry, and credit card business, and the financial transaction request is input to the financial automation device 200 for the financial transaction service, It may be input information such as an account number, a password, a menu selection, and the like. Next, in step 402, the financial automation device 200 that receives the financial transaction request photographs a user who inputs the financial transaction request through at least one camera to generate photo data. In this case, the financial automation device 200 may photograph the user through different cameras located at different locations, and the different cameras may photograph the user at a predetermined time difference.

Next, in step 403, the financial automation device 200 determines whether the image quality of the generated photo data meets a predetermined criterion. If the image quality is less than the predetermined criterion, the financial automation device 200 regenerates the photo data using the at least one camera. In addition, if the image quality is greater than or equal to the predetermined criterion as a result of the determination in step 403, the financial automation device 200 performs a predetermined financial transaction service in response to a financial transaction request from the user in step 404, and the financial Generate financial transaction information corresponding to a transaction service. The financial transaction information includes information output in a conventional specification table, such as information such as balance, withdrawal amount, deposit amount, transfer amount, fee, and date updated according to financial transaction services such as withdrawal, deposit, and bank transfer.

Next, in step 405, the financial automation device 200 generates statement print information including the photographic data and the financial transaction information, and prints the generated statement print information as a financial transaction statement on a thermal paper. . That is, the user may be provided with a financial transaction statement including a picture of himself. In addition, the financial automation device 200 may back up the statement print information to a predetermined server 110 through the Internet. Thus, the predetermined server 110 stores the specification table print information in a database, and when the user requests to view the specification table print information, the predetermined server 110 may provide the user with the specification table print information by searching the database. have.

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. 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. .

In the financial automation device and method according to the present invention, it is possible to print a picture of the visitor who made a financial transaction in the specification table, it is possible to easily process in the case where the confirmation of the transaction customer is required to resolve the dispute.

In addition, in the financial automation device and method according to the present invention, since the criminal's photo data can be collected through the specification table, it is possible to cope with crime prevention such as illegal withdrawal.

In addition, the financial automation device and method according to the present invention provides a photograph of the financial transaction customer through the specification table, thereby inducing an interest in using the device and enabling the customer to keep the specification table including the photograph of himself as a souvenir. have.

Claims (7)

In a financial automation device that provides financial transaction services, A financial transaction request receiver for receiving a financial transaction request from a user; At least one camera photographing at at least one location according to the financial transaction request to generate photo data for the user; An image quality determination unit that determines an image quality of the generated photo data of each location and generates a service control signal according to the determination result; A financial transaction service processing unit for processing a financial transaction service according to the financial transaction request and generating financial transaction information according to the processed financial transaction service; A display device for guiding a process of the financial transaction service to the user; A print information generation unit for generating specification table print information including a user picture according to the financial transaction information and the picture data; And A specification sheet output unit which prints the specification sheet printing information on a specification sheet paper and outputs the printed specification sheet paper. Financial automation device comprising a. The method of claim 1, The at least one camera, A first camera; And Second camera Including; And displaying a user picture on the display device according to the picture data generated by the first camera, and backing up the picture data generated by the second camera to a predetermined memory. The method of claim 1, And the image quality determining unit regenerates the photo data by the at least one camera or the financial transaction service processing unit processes the financial transaction service according to the service control signal. The method of claim 3, And the image quality determining unit determines the image quality by comparing the photo data with data on main feature points of a human face. The method of claim 1, Server connection unit for transmitting the specification table print information to a predetermined server More, The predetermined server stores the specification table print information in a database, And when the user connects to the predetermined server to request reading, the predetermined server searches the database and provides the detailed statement print information to the user. In the method of providing a financial transaction service in a financial automation device, Receiving a financial transaction request from a user; Generating photo data for the user according to the financial transaction request; Determining whether an image quality of the generated photo data satisfies a predetermined criterion; Regenerating photographic data for the user if the image quality is less than the predetermined criterion; if the image quality is greater than or equal to the predetermined criterion, processing a financial transaction service according to the financial transaction request; and generating financial transaction information according to the processed financial transaction service. ; And Generating a financial transaction specification table including a user photo according to the photo data and the financial transaction information; Financial transaction service method comprising a. A computer-readable recording medium having recorded thereon a program for executing the method of claim 6 on a computer.

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