KR100807318B1 - Announcing system for ATM location using telematics terminal and method for operating - Google Patents

Abstract

The present invention relates to a system for guiding a location of a financial automatic machine using a telematics terminal and a method of operating the same. When the telematics terminal transmits a current location to a telematics service center, the telematics service center transmits the location to a financial automatic device location query server. After querying the location of the automated teller machine in the vicinity, it is characterized by guiding the road driving to the corresponding automated teller machine location. The present invention is a communication unit for performing data transmission with the telematics service center, the location information database of the automated teller machine that stores the location information of the corresponding installation point for each automated teller machine, and the operation state and cash at the present time for each automated teller machine. And a manager interface for interfacing with the manager by providing a status information database for storing the status information including whether or not a check can be withdrawn, a key input module, a display module, and a data communication module; Provides a system for locating an automated teller machine using a telematics terminal having a control unit having an algorithm for controlling and searching the position information of a teller machine adjacent to a specific position and transmitting the state information of the teller machine to the telematics service center. do.

Automatic teller machines, banks, telematics, driving directions, directions, maps

Description

An automated system for ATM location using telematics terminal and its operation method {Announcing system for ATM location using telematics terminal and method for operating}

1 is a diagram illustrating a state in which a telematics terminal receives location information of an automated teller machine according to an embodiment of the present invention.

2 is a block diagram illustrating an internal configuration of an automated teller machine location lookup server according to an exemplary embodiment of the present invention.

3 is a flowchart illustrating a process of guiding a location of a financial teller according to an embodiment of the present invention.

4 is a view showing the position display of the automated teller machine according to an embodiment of the present invention.

* Description of the symbols for the main parts of the drawings

250: control unit 210: communication unit

220: administrator interface unit 230: financial automation device location information DB

240: DB status information DB

The present invention relates to a system for guiding a location of a financial automatic machine using a telematics terminal and a method of operating the same. When the telematics terminal transmits a current location to a telematics service center, the telematics service center transmits the location to a financial automatic device location query server. After querying the location of the automated teller machine in the vicinity, it is characterized by guiding the road driving to the corresponding automated teller machine location.

Automated Teller Machines (ATMs) are automated devices that can assist basic financial services, such as deposits or withdrawals, without the need for a bank employee, anytime, anywhere. The automated teller machine (ATM) is generally installed at the mechanization corner of the bank. The automated teller machine is configured to automatically perform a transaction such as withdrawal (withdrawal) or deposit (deposit) of cash (paper money) using a medium such as a card or a bank account. The automatic teller machine can be extended even after the closing of the bank window, and may be installed in stores such as department stores and supermarkets, so that the number of installations is expected in the future. In such a background, the efficiency of the automated teller machine is an important task in financial institutions such as banks, such as the efficiency and rationalization of personnel.

However, when a user wants to find a financial automated device of a specific financial institution at the current location, he or she has to find a third party to find a financial automation device. In addition, in some cases, the financial automation device of the desired financial institution was not found in the end and there was a problem in that the financial automation device of another financial institution was used at a high fee.

The present invention has been made to solve the above problems, it is an object of the present invention to provide a system and operation method for searching and guiding the position of the automated teller machine near the user at the request of the user. The purpose of the present invention is to provide information on the location of the automated teller machine, the amount of cash held in the relevant teller machine, and the amount of the check.

In order to achieve the above object, the present invention provides a telematics service center and a communication unit for performing data transmission, a location of the automated teller machine that stores location information of a corresponding installation point for each financial teller, and a current time point for each automated teller machine. A manager interface for interfacing with the manager by providing a status information database of the automated teller machine which stores the status information including the operation status of the cash machine and whether cash or check can be withdrawn, and a key input module, a display module and a data communication module. A financial automation device having a telematics terminal having an algorithm for controlling each of the functional units to retrieve the location information of the financial automation device adjacent to a specific location and transmitting the status information of the financial automation device to the telematics service center. Location guidance system To provide.

In addition, the present invention, the telematics terminal receives the current position and transmits to the telematics service center to search for the location of the automated teller machine, and transfers the received current position to the automated teller machine position query server to receive Search the location information of the automated teller machine within a predetermined radius of the received current location, and display the state information including the operation state of the automated teller machine corresponding to the searched location information and whether cash / check can be withdrawn. A second process of searching in an information database, a third process of transmitting the position information and the status information of the searched automatic teller machine to the telematics terminal, and the position information received by the telematics terminal; Display the location of the automated teller machine on an electronic map Provides a fourth step and a position guide method of the automatic teller machine using a telematics comprising a fifth step of executing a road guide service location point of the automatic teller machine in which the displays.

Hereinafter, the detailed description of the preferred embodiments of the present invention will be described with reference to the accompanying drawings. In the following description of the reference numerals to the components of the drawings it should be noted that the same reference numerals as possible even if displayed on different drawings. In addition, in describing the present invention, when it is determined that a detailed description of a related known function or configuration may unnecessarily obscure the subject matter of the present invention, the detailed description thereof will be omitted. In addition, terms to be described below are terms defined in consideration of functions in the present invention, which may vary according to general practices of those belonging to the technical field of the present invention, and the definitions should be made based on the contents throughout the present specification.

FIG. 1 is a diagram illustrating a method of inquiring a position of a financial automatic device using a telematics terminal according to an exemplary embodiment of the present invention.

When the user inputs the current location in the telematics terminal 110 and inquires the position of the financial automatic device in the vicinity, the telematics terminal 110 transmits the received current location to the telematics service center 120 and the telematics service center ( 120 transmits the received current location to the automated teller machine position lookup server 130 and requests to find the position information of the automated teller machine closest to the current position of the corresponding telematics terminal 110.

When the location information is found, the automated teller machine location inquiry server 130 transmits the location information to the telematics service center 120, and the telematics service center 120 transmits the received location information to the telematics terminal 110. do. The telematics terminal 110 performs road driving guidance according to the received location information.

The telematics terminal 110 is a term for a wireless mobile communication terminal equipped with a telematics technology. The telematics technology is a computer, a wireless communication technology, a satellite navigation device, It is a wireless data service that can send and receive information through technology that changes text and voice signals on the Internet. In particular, the car telematics service combines mobile communication technology and location tracking technology with automobiles to provide the driver with vehicle accidents, theft detection, driving directions, traffic and life information, and games in real time. Accordingly, the telematics terminal 110 may transmit and receive various information by wireless communication and perform road guidance to a user such as a driver.

Meanwhile, the telematics terminal 110 may receive a current location from a user and be transmitted to the telematics service center 120. However, as another embodiment of the present invention, the telematics terminal 110 uses a location of a base station where the telematics terminal 110 is located as a current location. The service information may be automatically transmitted to the service center 120. In another embodiment, the location information of the current telematics terminal 110 may be received from the GPS satellite and transmitted to the telematics service center 120.

The telematics service center 120 is a telematics service center 120 that provides the telematics terminal 110 with the location information of the automatic teller machine through a wireless network. Received by the inquiry server 130 and provided to the telematics terminal 110 over a wireless network.

The automated teller machine position inquiry server 110 is a server capable of inquiring the position information of the automated teller machine, and has a location information database to provide the position information of the automated teller machine adjacent to a specific location point. In addition, the state information database of the automated teller machine has information on the current operating state of the automated teller machine, check / cash withdrawal possibility, etc. can be transmitted to the telematics terminal 110 through the telematics service center 120. . An internal configuration block of the automated teller machine position lookup server 130 will be described with reference to FIG. 2.

2 is a block diagram illustrating an internal configuration of the automated teller machine position lookup server according to the present invention.

The communication unit 210 is a communication interface that is in charge of communication with the wired / wireless communication network, and is a functional unit that transmits and receives various data with the telematics service center 120. The telematics service center 120 may be connected through a dedicated network or through a general-purpose network such as the Internet. The data transmission of the communication unit 210 is a dedicated protocol for data transmission, but may be used to transfer the data using a universal protocol.

The manager interface 220 is a function unit that is in charge of a user interface of a manager of the position tracking server of the automated teller machine, and includes a key input module for data input, a display module for displaying various management information, and a manager provided. It includes a data input module for receiving the necessary information. The data input module may be a wired communication method such as Ethernet, Universal Serial Bus, IEEE 1394, serial communication, and parallel communication. Infrared Radiation ), Wireless communication schemes such as Bluetooth, home RF (Radio Frequency), and wireless LAN may be used. The manager uses the manager interface 220 to update the automated teller machine status database 240 with information such as the current state of each automated teller machine, that is, an operation state and whether a check / cash can be withdrawn.

The automated teller machine location information database 230 is a database storing the location information of the automated teller machine. The location information provides detailed location such as longitude and latitude. An example of the location information contents stored in the automated teller machine location information database 230 is shown in Table 1 below.

TABLE 1

Bank (bank code) Financial code unique code Location information (latitude / longitude) Kookmin Bank (01) First Financial Automation Equipment (010001) 37.12345 / 124.23456 Second Financial Automation Equipment (010002) 37.43942 / 124.24632 ... ... ... ... ... ... Woori Bank (02) First Financial Automation Equipment (020001) 37.24635 / 124.43324 Second Financial Automation Equipment (020002) 37.24215 / 124.35264 ... ... ... ... ... ...

The automated teller machine state information database 240 is a database in which the current state information of each automated teller machine is updated and stored, and the state information such as an operation state of the automated teller machine and whether or not a check / cash can be withdrawn is stored. The state information stored in the automated teller machine state information database 240 is transmitted to the telematics terminal 110, and the state information of the corresponding teller machine is displayed. An example of state information stored in the automated teller machine state information database 240 is described in Table 2 below.

TABLE 2

Bank (bank code) Financial code unique code Working condition Cash / Check Status Kookmin Bank (01) First Financial Automation Equipment (010001) work Cash available Check not accepted Second Financial Automation Equipment (010002) work Cash available Check available ... ... ... ... ... ... ... ... ... ... ... ... Woori Bank (02) First Financial Automation Equipment (020001) Operation stop - - Second Financial Automation Equipment (020002) work Cash available Check available ... ... ... ... ... ... ... ... ... ... ... ...

The controller 250 controls each of the functional units to request the position of the automatic teller machine from the telematics terminal 110 to query the position of the automatic teller machine in the region where the corresponding telematics terminal 110 is located. An algorithm for transmitting information to the telematics terminal 110 through the telematics service center 120 is described with reference to the flowchart of FIG. 3.

3 is a flowchart illustrating a process in which a telematics terminal inquires a location of a financial automatic device and guides a road according to an embodiment of the present invention.

When the user requests through the telematics terminal a search for the nearest automatic teller machine at the current location (S302), the telematics terminal receives the current location from the user (S304). In addition, it receives a financial institution affiliated with the automated teller machine you want to inquire. The reason for receiving the financial institution belonging to the automated teller machine is to search only the position of the automated teller machine of the desired financial institution. For example, if the user wants to search only Kookmin Bank's financial automation equipment, the user inputs a financial institution called 'Kookmin Bank' in addition to the current location information.

The current location information may be directly input latitude and longitude as a number, but in another embodiment may be input the area address of the point. In the case of receiving the area address, the telematics terminal can determine the latitude and longitude of the corresponding point by extracting the latitude and longitude of the area address from the data stored in the internal memory. Also, as another embodiment of the present invention, the telematics terminal may detect the search position information by itself and transmit the search position information to the automatic teller position search server without directly receiving the search position information from the user. For example, when the telematics terminal is equipped with a GPS receiving module, the position of the current point can be determined by receiving the position directly from the GPS satellites, and the position of the mobile communication base station where the telematics terminal is currently wirelessly communicating with the current position. Can be sent to the automated location tracking server.

The current location information and financial institution information input as described above are transmitted to the telematics service center through the wireless communication network (S306). The telematics service center transmits the received current location information and financial institution information to the automated teller machine position lookup server to request the location information search of the nearest automated teller machine (S308).

The automated teller machine position lookup server searches the automated teller machine location information database using the received current location information and financial institution information to search for a financial autonomous device of a specific financial institution in the vicinity (S310). For example, when the user requests a search for the automatic teller machine of the 'Kookmin Bank' installed at the current position, the user searches the location information of the automatic teller machine of the Kookmin Bank within a radius of 2 km from the current position.

When the search is completed, the current state information of the retrieved automatic teller machine is inquired from the state information database of the automated teller machine to retrieve the corresponding state information (S312). For example, if the first automatic teller machine of Kookmin Bank is found within a radius of 2 km from the current location, the status of the automatic teller machine is displayed. Retrieve from information database.

The location information and the status information of the automated teller machine retrieved through the above process are transmitted to the telematics terminal through the telematics service center (S314), and the telematics terminal receiving the location information and the status information (S316) is located as shown in FIG. 4. The map of the state and the status information of the corresponding automated teller machine is displayed (S318).

After the location and status information of the automated teller machine is displayed as described above, when the user requests a driving guide for the road (S320), the vehicle enters the road navigation guide mode using the point of the searched automated teller machine as a destination. To execute (S322). The road driving guide method is the same method as the navigation guide driving using the electronic map stored in the telematics terminal, and is the same as the conventional navigation driving guide method, and thus a detailed description thereof will be omitted.

In the foregoing description of the present invention, specific embodiments have been described, but various modifications may be made without departing from the scope of the present invention. Therefore, the scope of the present invention is not to be determined by the embodiments described above, but will be apparent in the claims as well as equivalent scope.

As described above, the present invention can be guided to a nearby financial automation device using a telematics terminal, so that a user can easily find a nearby financial automation device. In addition, it is possible to know whether the current operation of the automated teller machine, cash holding amount, etc., so that the user can visit the corresponding automated teller machine and perform the desired financial transaction smoothly.

Claims (12)

A communication unit that performs data transmission with a telematics service center, The automated teller machine location information database storing the location information of the corresponding installation point for each automated teller machine, An automated teller machine state information database that stores the state information of the automated teller machine, including the current operating state of each automatic teller machine and whether cash or check can be withdrawn; An administrator interface for performing an interface with an administrator, including a key input module, a display module, and a data communication module; A control unit having an algorithm for controlling each of the functional units to retrieve the location information of the automated teller machine adjacent to a specific location, and transmit the information to the telematics service center together with the state information of the corresponding teller machine Positioning server equipped with automatic teller machine. According to claim 1, wherein the location information is automated financial device location lookup server, characterized in that the location information having a latitude and longitude. According to claim 1, wherein the automated teller machine location information database and the automated teller machine status information database is stored in each automated teller machine owned by each financial institution location information and status information server for the automated teller machine. According to claim 1, wherein the status information, the automated teller machine location lookup server is updated in real time through the administrator interface. A first process in which the telematics terminal receives the current position and transmits it to the telematics service center to search for the position of the automated teller machine; The location information of the automated teller machine located within a predetermined radius of the received current location is transmitted by transmitting the received current location to the automated teller machine position lookup server, and the operation status and cash / A second process of retrieving status information, including whether a check can be withdrawn, from a predetermined state information database of a financial automated machine; A third step of transmitting, by the automated teller machine location inquiry server, the location information and status information of the retrieved automated teller machine to the telematics terminal; A fourth process of displaying the location point of the financial automatic device on an electronic map according to the location information received by the telematics terminal; A fifth process of executing a road driving guidance service to the location point of the displayed automatic teller machine; Position guidance method of the automatic teller machine using telematics comprising a. 6. The method of claim 5, wherein the first process receives input of financial institution information of the automated teller machine to be searched along with the location information. delete delete 6. The method of claim 5, wherein the fourth process displays the state information of the financial teller machine together with the searched position of the automated teller machine. A telematics terminal for inputting a current position for searching the location of the automatic teller machine located near the current point and guiding driving to the position of the automated teller machine near the present point; A telematics service center for receiving a current location wirelessly from the telematics terminal, requesting a location of a financial automation device adjacent to a location lookup server, receiving a location information resulting from the search, and transmitting the received location information to the telematics terminal; Automatic teller machine location lookup server that searches for the location of the automated teller machine adjacent to a specific location and sends it to the telematics service center Including, the automated teller machine location query server, A communication unit that performs data transmission with a telematics service center, The automated teller machine location information database storing the location information of the corresponding installation point for each automated teller machine, A status information database for each automated teller machine that stores the state information including the current operating status of each automated teller machine and whether cash or check can be withdrawn; An administrator interface for performing an interface with an administrator, including a key input module, a display module, and a data communication module; A control unit having an algorithm for controlling each of the functional units to retrieve the location information of the automated teller machine adjacent to a specific location and transmitting the state information of the automated teller machine to the telematics service center Automatic teller machine location guidance system using a telematics terminal equipped with. The apparatus of claim 10, wherein the telematics terminal comprises a GPS receiving module to determine a current position. The apparatus of claim 10, wherein the telematics terminal comprises a mobile phone, a PDP, a mobile PC, and a navigator having a navigation function.

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