KR101057240B1 - Simplified account transfer system for financial automation equipment and method - Google Patents

Abstract

The present invention uses a smart card capable of reading and writing, or by using a storage means of a server provided by a bank, to store the frequently used system account information that can be used every time the account transfer, so that the software without hardware change of the financial transaction system The present invention relates to a system and method for simplifying account transfer of an automated teller machine, which makes it easy to transfer the account with only modification and addition.

The present invention for realizing this, the host computer is provided in each bank is stored all the information related to the financial transaction and the actual execution of all transactions, the user input unit for the user to input the financial transaction information and in conjunction with the host computer In the system for simplifying the transfer of funds of the automatic teller machine, which consists of the automated teller machine, which has a control unit controlling the cash and check deposit and withdrawal unit according to the user authentication of the financial transaction card which the user puts in the card processing unit, to perform the financial transaction. The card for the financial transaction is made of an IC card with a built-in memory, and the controller controls the card processing unit to read and store the transfer system number from the card for the financial transaction when performing a transfer transaction to perform a transfer transaction. Characterized in that made.

Automatic teller machine, bank transfer, smart card, IC card

Description

System for easily transacting automated banking machine and method             

1 is a network diagram of an account history analysis system of an automated teller machine according to an embodiment of the present invention;

2 is a schematic diagram of an automated teller machine according to the present invention;

3 is a flowchart illustrating a bank transfer process according to the present invention;

4 is a flowchart illustrating a two-account account management process of the account transfer process of FIG.

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

10-host computer, 12-backup computer,

14-branch server, 16-bank-only network,

18-cashier terminal, 20-automated teller machine,

20a-ATM, 20b-ATM,

20c-kiosks, 21-financial transactions cards,

22-card processing unit, 23-user input unit,                 

24-cash and check deposit and withdrawal,

25-display unit, 26-communication unit,

27-program storage, 28-control.

The present invention relates to a system and a method for simplifying account transfer of a municipal automated teller machine for simplifying account transfer during a financial transaction using the automated teller machine, and more particularly, to the automated teller machine and the automated teller machine used by a customer. In a financial transaction system consisting of a financial server that provides transaction approval and transaction information, you can use the smart card that can read and write account transaction information or save frequently used system account information using the storage means of the server, and use it every time you transfer your account. The present invention relates to a system for simplifying account transfer of an automated teller machine, and a method thereof, which makes it easy to transfer money by only modifying and adding software without changing hardware of the financial transaction system.

In general, the automated teller machine is a device developed to provide a variety of services, including cash and check deposit and withdrawal, unattended, regardless of bank employee's working hours. Financial transactions are made possible through inquiry of passwords and passwords. Cash Dispenser with cash withdrawal function, automated teller machine with financial withdrawal with cash (including check), financial transaction There are kiosks that provide various contents in various fields including functions.

The financial transaction function of the conventional automated teller machine can perform the financial transaction functions such as cash and check deposit and withdrawal, balance inquiry, and account transfer, and print the transaction results on the account book or the statement table to discharge the transaction details. For financial transactions, the card is checked for validity and a password is entered to prove the transaction. The transaction is approved only if it matches with a password registered in advance. In addition, the user must enter the recipient's account number for account transfer.

However, although many of the customers who use transfer transactions are reusing accounts with previous transactions, the user has to re-enter the account number of the recipient each time. It is difficult to memorize because it consists of numbers, and it was inconvenient to check it every time it was necessary.

On the other hand, in the case of Internet banking, such services are provided so that a user can store a specific account and use the information to proceed with the transaction. However, such a service is not provided in the transaction based on the automatic teller machine. This is because automated devices are not personal devices, but are devices that can be shared by many unspecified people, so they do not provide this storage to all customers.

The present invention has been invented in view of the above-mentioned circumstances. Recently, with the development of information technology, the storage management cost of an information organization has been significantly lower than in the past. Focusing on the built-in storage means, it is possible to select and use only specific contents among various transaction details using the automatic teller machine, and store the details on the card when transferring / transfer transactions using the card and the card. Read the details stored on the screen and display them on the screen for the user to select.When using a server other than a card as a storage space, the account information stored on the server is read and displayed on the screen so that the user can easily perform financial transactions. An object of the present invention is to provide a method for simplifying account transfer of an automatic teller machine.

In order to realize the above object, a system for facilitating the transfer of funds for an automatic teller machine according to a first embodiment of the present invention includes a host computer that is provided in each bank to store all information related to a financial transaction and to execute all transactions. A control unit controlling the cash and check deposit and withdrawal unit according to the user authentication of the user's input unit for inputting financial transaction information and the financial transaction card which the user inputs to the card processing unit in connection with the host computer. In the automatic bank transfer system of the automated teller machine consisting of a automated teller machine, wherein the financial transaction card is made of an IC card with a built-in memory, and the control unit recalls the transfer system number when performing a transfer account transaction. Card for reading and storing from financial transaction card Li is characterized in that configured to perform the transfer transaction and call control.

In the automatic transfer system of the automatic teller machine according to the second embodiment of the present invention, a host computer that is provided in each bank and stores all the information related to the financial transaction, and in addition, the user inputs the financial transaction information. In accordance with the user input unit and the host computer to control the cash and check in and out according to the user authentication of the card for the financial transaction that the user puts in the card processing unit to control the financial automated device having a control to perform the financial transaction In the simplified account transfer system of the automated teller machine, an account number storage server is connected to one side of a network to which the host computer and the automated teller machine are connected. This system account number is the account number storage server It is characterized in that it is configured to perform a transfer transaction by controlling the card processing unit to read and store from.

In addition, the method for simplifying account transfer of the automated teller machine according to the present invention comprises: determining whether the account information is stored in the card when the credit transaction card is inserted when the transfer transaction process is started, and the account information is not stored. If the account number is manually entered and the account information is stored, the account list is displayed on the screen to select the account to be used, the step of performing a transfer transaction with the entered or selected account number, after the completion of the transfer transaction. The transfer transaction process is terminated, but if the new storage is selected by checking whether or not the new storage is selected, the transfer transaction process is performed after performing the management process.

In addition, in the method for simplifying account transfer of the automated teller machine, the management process determines whether the account information data exists in the inserted financial transaction card and displays the stored data on the screen, adding the displayed account information data. And performing a corresponding function by selecting a delete and end function.

Hereinafter, the configuration and operation according to an embodiment of the present invention will be described in detail with reference to the accompanying drawings.

1 is a diagram illustrating a network configuration of a system for simplifying account transfer of an automated teller machine according to an embodiment of the present invention.

The host computer 10 is a main computer provided in each bank and is a computer where all information related to financial transactions is stored and all transactions are actually executed, and in case of failure of the host computer 10, the host computer 10 A backup computer 12 that stores information in real time may additionally be connected.

The host computer 10 of the bank and the branch server 14 are connected to a bank-dedicated network 16 disconnected from the external network.                     

Branch server 14 is connected to the automated teller machine 20, such as cash register machine 20a, cash dispenser 20b, kiosk 20c, including the cashier terminal 18 in the branch, the transaction information entered by the cashier and the customer It handles the work for and transfers the contents to the host computer 10 through the bank dedicated network (16).

In addition, as shown in FIG. 2, the automated teller machine 20 includes a card processing unit 22 for reading information stored in the card 21 for financial transactions or storing processing results, and a customer selecting and modifying a transaction menu. User input unit 23 to allow / delete / change, cash and check deposit and withdrawal unit 24 to deposit or withdraw cash or checks according to the user's transaction, and display and process transaction menus to facilitate financial transactions The operation of each component constituting the screen output unit 25 for displaying the result, the communication unit 26 for exchanging data with the host computer 10, and the automated teller machine 20 is stored in the program storage unit 27. The control part 28 which controls totally according to a program is provided.

The financial transaction card 21 may use, for example, an IC card such as a smart card provided with a memory so that various information can be input and read out, and, if necessary, an IC having a microprocessor and an encryption processor. You can also use cards. In order to implement the present invention, the financial transaction card 21 stores account information stored by the user for use at any time.

In the financial transaction card 21, the user inputs the financial transaction card 21 to the card processing unit 22 of the automatic teller machine 20 for a financial transaction, and then performs a transfer transaction. This system account number will be saved for future use.

On the other hand, in order to implement a system for simplifying the account transfer of the automated teller machine according to the second embodiment of the present invention, one side of the network to which the host computer 10 and the automated teller machine 20 are connected is registered by a customer. Account number storage server 30 having a database 32 is stored there is connected. Thus, as in the case of the transfer transaction by the input of the financial transaction card 21, when the transfer transaction is performed after the input of the financial transaction card, the transfer system number to be used again by the user's operation is stored in the account number storage server 30. It is stored in the database (32).

This stored system number is output to the automated teller machine when the card for financial transaction is put back into the automated teller machine, so that the user can use it conveniently. It is preferable to implement so that add / modify / delete.

3 is a flowchart illustrating a bank transfer process according to the present invention.

When the user inserts the financial transaction card 21 into the card processing unit 22 of the automatic teller machine 20 and selects the account transfer menu, the control unit 28 reads the financial transaction through the card processing unit 22. The storage information of the card 21 is analyzed to determine whether account information exists.

If it is determined that the account information is not stored as a result of determining whether the account information exists, the user is required to input the account number to be transferred as before. However, if it is determined that the account information is stored, the user is asked to display on the screen, and if the user wants to input directly without displaying the screen, the user can directly enter the account number to be transferred as before. If you want to display on the account number list is displayed on the screen.

In this case, if the data does not exist, the step of canceling the output of the account number list and directly inputting the account number is performed, and if it is determined that the data exists, selects the account to be transferred.

In this way, when the user selects an account to be directly inputted or displayed from a financial transaction card, a transfer transaction is performed.

After that, if the transfer account number where the transfer transaction is stored is the stored account, the transfer transaction process is terminated. Terminate the process.

4 is a flowchart illustrating a two-account account management process of the account transfer process of FIG.

First, when the system management process is initiated, it is determined whether data exists in the financial transaction card 21, and when it is determined that the data exists, the data is output on the screen and newly associated with the output data. A function selection menu for confirming whether to add, delete, or terminate is outputted, and if it is determined that no data exists, the function selection menu is immediately output.

If the user selects the add new data function, first determine whether there is available storage space, and then enter the data only when there is available storage space. Perform. In contrast, when the data deletion function is selected, first, whether the stored data exists is determined, and if the stored data exists, the data deletion step of deleting the selected data is performed by selecting the data to be deleted while outputting the corresponding data. After performing the new data addition step or the data deletion step as described above, the function selection menu is output again to repeat the same operation or to select another function, and when the user selects the type menu, the management process is terminated.

As described above, the present invention stores the recipient's frequently used transfer system number in a smart card type used by the customer or in a separate storage means stored in a financial institution so that it can be recalled and used at every transfer transaction. Therefore, the financial institution can provide improved service to the customer, and the time required for the transfer transaction of the customer is shortened, and the turnover rate of the device is increased. From the customer's side, the transaction time is short and the convenience of operation is improved. There is an increasing advantage.

Claims (4)

Each computer is equipped with a host computer that stores all information related to financial transactions and actually executes all transactions, a user input unit for the user to input financial transaction information, and a bank that the user inputs to the card processing unit in conjunction with the host computer. In the system for facilitating the transfer of funds of the automatic teller machine comprising a financial teller machine having a control unit for controlling the cash and check deposit and withdrawal unit according to the user authentication of the transaction card, and performing the financial transaction. Is made of an IC card that can be stored therein, and the control unit controls the card processing unit to store the transfer system number which is read and executed from the financial transaction card when performing the transfer transaction. Characterized in that Is a system for simplifying account transfer of automatic teller machines. Each computer is equipped with a host computer that stores all information related to financial transactions and actually executes all transactions, a user input unit for the user to input financial transaction information, and a bank that the user inputs to the card processing unit in conjunction with the host computer. In the system for facilitating the transfer of funds of the automatic teller machine comprising a financial teller machine which has a control unit for controlling the cash and check deposit and withdrawal unit according to the user authentication of the transaction card, the control unit performs the financial transaction. An account number storage server configured as a database is connected to one side of the network to which the network is connected, and a backup computer that stores information of the host computer in real time is additionally connected so that the automated teller machine interworks with the host computer when performing an account transfer transaction. By this A system for simplifying account transfer of an automated teller machine, characterized in that for performing a transfer transaction by controlling a card processing unit to store a system account number read and executed from the account number storage server. When the transfer transaction process is started, determining whether the account information is stored in the card when the card for financial transaction is inserted. If the account information is not stored, the account information is stored by manually inputting the account number. If so, display the account list on the screen to select the account to use, perform the transfer transaction with the input or selected account number, terminate the transfer transaction process after the transfer transaction is completed, and confirm whether or not the new storage is completed. If it is selected, performing a management process and storing in the IC card with a memory that can be stored, and the step of performing a transfer transaction process comprising the step of simplifying account transfer of the automated teller machine. The method of claim 3, wherein the management process determines whether the account information data exists in the inserted financial transaction card and displays the stored data on the screen if it exists or directly inputs the data on the screen if it does not exist. Selecting the function to add, delete, or terminate data to perform the function, outputting the function selection menu to select another function after performing the function, or exiting the management process if the exit menu is selected Simplified account transfer method of the automated teller machine, characterized in that made.

Images