KR101089001B1 - Automatic teller maching for providing secure financial transaction - Google Patents

Abstract

The present invention provides a high security automated teller machine for the user. In the automatic teller machine including a storage unit for storing a paper medium, a withdrawal unit for supplying a paper medium to a customer, a transfer unit for transferring the requested paper medium from the storage unit to the withdrawal unit, the main body, provided in the main body A camera for photographing the surroundings of a customer in use, and a security display unit provided in the main body to display an image obtained from the camera, wherein the screen shot by the camera is formed at a predetermined position of the transaction display unit; By showing to the user through the display window, the user can securely perform financial transactions in a state of recognizing their rear situation.

Camera, security display

Description

AUTOMATIC TELLER MACHING FOR PROVIDING SECURE FINANCIAL TRANSACTION}

The present invention relates to a financial automated device having a security function, and more particularly, to provide a financial automated device that allows a user to make a financial transaction with confidence by giving a user of the automatic teller machine information about his surroundings. .

Financial automated devices or unmanned automated devices are automated devices that can provide basic financial services such as deposit or withdrawal without a bank employee regardless of time and place with respect to financial services.

The automated teller machine may be installed in the mechanized corner of a financial institution. The automated teller machine is configured to automatically perform transactions such as withdrawal or deposit of cash or banknotes by a customer's own operation using a medium such as a card or a bankbook. The automated teller machine may be extended after the financial institution is closed and may be installed through a wall of a store so as to be accessible from inside or outside a store such as a department store or a convenience store.

In the background as described above, there is an urgent need for measures to prevent crimes such as theft and illegal withdrawal at the installation site of the automatic teller machine, and to prevent the leakage of the user's password.

In particular, in order to prevent the user's password leakage and to use the automated teller machine with confidence, it is good to inform the user of the situation behind the user. In other words, in order to prevent another person from stealing the user's password while using the automated teller machine, it is effective to conduct a financial transaction in a state where the user can know the situation behind the user.

To this end, conventionally, a convex mirror or the like is attached to the front of the main body of the automatic teller machine to show the rear of the user who cannot see it without turning his head or the like during the financial transaction.

However, since such a mirror is attached in a fixed state, there is a problem that the user cannot fully recognize his or her rear situation because the range shown to the user is small.

In addition, because the mirror is an offline means, there is a problem that it is impossible to transmit or separately store the dangerous situation behind the user to a security company.

In addition, the conventional mirrors, etc. are attached to the exterior of the automatic teller machine and are exposed to the outside.

The present invention provides a financial automation device that can provide more information about the back of a user making a financial transaction.

In addition, the present invention provides a financial automation device that does not require a display device provided separately from the transaction history display unit by showing the rear situation of the user on the screen showing the financial transaction history of the user.

In addition, the present invention provides a financial automated device capable of storing and transmitting the image information of the back of the user to the outside.

In addition, the present invention provides a financial automation device capable of preventing damage to the photographing apparatus by providing a device for photographing the rear of the user in a state that can not be recognized from the outside.

The present invention includes a storage unit for storing the paper medium, the withdrawal unit for supplying the paper medium to the customer, the transfer unit for transferring the requested paper medium from the storage unit to the withdrawal unit in order to achieve the above object An automatic teller machine, comprising: a main body; A camera provided in the main body to photograph the surroundings of the customer in use; And a security display unit provided in the main body to display an image obtained from the camera.

Here, the camera may photograph the surroundings or customers of the user or customer making a financial transaction.

By configuring as described above, it is possible to perform a financial transaction in a state where the user is aware of whether there is a risk factor behind him, and it is possible to prevent harm to the user during the financial transaction.

The display device may further include a transaction history display unit for showing a financial transaction history. The security display unit may be viewed through a display window formed on a portion of the transaction history display unit. That is, by allowing the security display unit to appear on the display window formed on the transaction history display unit, only the user can observe the surroundings of the user in a state other than the user does not recognize.

On the other hand, further comprising a transaction history display unit for showing the financial transaction history, the security display may be provided separately from the transaction history display. In other words, by providing the security display in a location that can be seen by others, it may also function to warn others not behind illegal activities.

In addition, when the security display unit is formed separately from the transaction history display unit, the camera may photograph the customer and the image taken by the camera may be displayed through the security display unit. That is, by allowing others to see the user's behavior of the automated teller machine, the user may warn the user not to perform illegal actions on the automated teller machine. At this time, the camera is preferably a USB camera.

The apparatus may further include a memory unit for storing the screen shot by the camera and a communication unit for transmitting the screen shot by the camera or screen information stored in the memory unit to a server or a security company of a financial institution.

As described above, the present invention enables the user to perform financial transactions with confidence by providing information on a place where the user cannot see the financial transaction.

In addition, the present invention does not need to provide a separate display device by showing the rear situation of the user on the screen showing the financial transaction history of the user, thereby reducing the production cost of the automated teller machine.

In addition, the present invention may further improve the security of the automated teller machine by storing or transmitting the image information photographing the rear of the user to the outside.

In addition, the present invention by showing the screen of the user's back to the transaction history display to show that others are being monitored can also prevent crime in advance.

Hereinafter, with reference to the accompanying drawings will be described in detail with respect to the configuration and operation according to an embodiment of the present invention. The following description is one of several aspects of the patentable invention and the following description forms part of the detailed description of the invention.

In the following description, well-known functions or constructions are not described in detail for the sake of clarity and conciseness.

1 is a view showing an automated teller machine according to an embodiment of the present invention, Figure 2 is a view showing the upper front of the automated teller machine according to FIG.

As shown in Figure 1 and 2, the automatic teller machine 100 according to an embodiment of the present invention is provided in the main body 101, the main body 101, the photographing unit 160 for photographing the object or the target area And a transaction history display unit 120 provided in the main body 101 to show a financial transaction history.

In more detail, the main body 101 of the automated teller machine according to an embodiment of the present invention includes a storage unit (not shown) for storing a paper medium, a withdrawal unit (not shown) for supplying a paper medium to the customer, and the storage. It is a kind of operation unit provided in the upper part of the front surface of the case 102 is mounted to the transfer unit (not shown) and the computer (not shown) for transferring the requested paper medium from the unit to the withdrawal unit.

In the main body 101, a user who makes a financial transaction inputs a card reader unit 110 which reads his or her card, a transaction history display unit 120 showing financial transaction details to a user, a user's password or withdrawal or deposit amount. The encrypted PIN pad unit 130, the user inputs the bills to deposit or withdraw the bills withdrawal section 140 for receiving the bills to withdraw, the receipt output unit 150 for issuing a receipt according to the financial transaction history and the check deposit It may include a check deposit 145 to.

Meanwhile, an advertisement display unit 103 may be formed on the front top of the main body 101 to attach various advertisements or show an advertisement image.

The transaction history display unit 120, the encrypted PIN pad unit 130, the banknote deposit and withdrawal unit 140, the receipt output unit 150, and the like are provided inside the front surface of the main body 101. For this reason, it is hard to see the operation state of a user from the side of the main body 101.

In addition, the lighting device 104 may be installed on the inner upper portion of the main body 101 for the convenience of the user's operation.

Here, the case 102 may be installed in an exposed state, and the case 102 may be installed in a concealed state inside a wall such as a store. As such, the automatic teller machine in which the case 102 is concealed inside the wall is also referred to as a wall-type automated teller machine (Wall-Type ATM or Through the wall ATM).

Wall-type financial teller machines are not exposed to the case 102, but only the main body 101 equipped with various operation means, rather than a lobby-type financial teller machine installed inside a store or at an automation corner of a financial institution. Security is important because it is directly exposed to.

Because it is impossible to directly attack the case 102 for storing cash, criminals are likely to commit crimes by attacking a user who makes a financial transaction or stealing a user's password. .

In general, a user who uses an automated teller machine makes a financial transaction while conscious of whether someone else is watching him behind him. At times, the user looks back and creates friction with others behind him.

Therefore, if the user can make a financial transaction in a state of being able to see the rear of the user, the user can make a financial transaction with more confidence.

In addition, from a financial institution's point of view, it is preferable to have a means for observing the user in order to prevent the user from deliberately attacking the automated teller machine 100 to tear banknotes.

To this end, the automatic teller machine 100 according to an embodiment of the present invention includes a photographing unit 160. In detail, the photographing unit 160 may include a first camera 161 for photographing a user and a second camera 162 for photographing an object or a target area behind the user.

The first camera 161 for photographing a user may be configured in various ways. For example, a camera installed on the main body 101 and photographing a user's face, a camera installed on the banknote 140, and a user's hand, etc. may be included, and every transaction moment from various angles. It can be configured to photograph the user.

On the other hand, the second camera 162 is preferably the main function to take a picture of the other person waiting behind the user, that is, the surroundings of the automatic teller machine 100, behind the user rather than the user.

Here, the second camera 162 is preferably installed in the main body 101 so as to shoot a wide range as possible. For example, the second camera 162 may be provided so that the lower side can be photographed from the top of the main body 101, and the second camera 162 is predetermined in a predetermined pattern by a driving means (not shown) such as a motor. It is also possible to install to scan while scanning the area range.

A screen about a customer's surroundings such as an object or a target area behind the user photographed by the first camera 161 or the second camera 162 should be provided for the user to view, and a security display unit may be provided for this purpose.

3 is a diagram illustrating a transaction history display unit of the automated teller machine according to FIG. 1. Referring to FIG. 3, the transaction history display unit 120, which is a display device on which a financial transaction history of a user is displayed, may display transaction details or various advertisements related to deposit or withdrawal.

The transaction history display unit 120 uses a liquid crystal display (LCD), and a button unit 121 for selecting a financial transaction may be provided on the left and right sides of the transaction history display unit 120.

Meanwhile, a security display unit 125 may be formed in the transaction display unit 120 to provide a screen captured by the photographing unit 160, particularly, the second camera 162 to the user.

That is, the security display unit 125 displaying the screen shot by the second camera 162 may be shown to the user in the form of a camera screen display window (not shown) at a predetermined position of the transaction history display unit 120. In this case, the security display unit 125 may be turned on / off by the user's selection.

Here, the second camera 162 photographs the rear of the user who makes a financial transaction or the periphery of the main body.

When the user starts a financial transaction, a security display unit 125 showing a screen shot by the second camera 162 is automatically formed in the transaction history display unit 120 in the form of a display window. The position where the security display unit 125 first appears may be a place where a person or the like behind the user cannot see the security display unit 125.

For example, when the security display unit 125 is formed at the lower center portion of the transaction history display unit 120, the security display unit 125 is hidden by the user, so that a person behind the user may have a security display unit ( 125) will be invisible. In this case, the user can see the actions of the person behind him without being noticed by others behind him.

If there is no other person behind the user, the display window of the security display unit 125 may be removed. In this case, the security display unit 125 may be removed and various advertisements provided by the automated teller machine 100 may be viewed.

In addition, in some cases, the position or size of the security display unit 125 may be changed to allow others behind the user to view the security display unit 125. In this manner, the other person waiting behind the user can view the security display unit 125 to alert the other person. That is, by showing the security display unit 125 to another person behind the user, when the other learns that the user is looking at him, it will be difficult to commit a crime.

By configuring as described above, it is possible to perform a financial transaction in a state where the user is aware of whether there is a risk factor behind him, and it is possible to prevent harm to the user during the financial transaction.

On the other hand, the size and position of the security display unit 125 as described above or the on / off of the security display unit 125 may be operated by a touch screen method. That is, when the user touches the transaction history display unit 120, the security display unit 125 may appear or disappear, and the user drags the display window of the security display unit 125 by hand to display the security display unit 125. You can also move the position of the display window freely.

As such, since the security display unit 125 is operated by the touch screen method, there is no need to install a separate operation button for the security display unit 125.

In addition, the first or second cameras 161 and 162 are preferably USB (Universal Serial Bus) cameras. USB camera has the advantage of fast image data transfer speed and easy installation or management.

On the other hand, in some cases, by displaying the screen shot by the first camera 161 as well as the second camera 162 to the transaction history display unit 120 may perform a function to warn the user from illegal activities. .

In this case, the security display unit 125 may be formed separately from the transaction history display unit 120. That is, a separate display unit may be provided on the advertisement display unit 103 on the upper portion of the main body 101 so that other persons, not the user of the automatic teller machine, may be displayed, and the security display unit 125 may appear therein. By this configuration, if the user recognizes that the other person is watching his or her behavior, he will not be able to perform illegal activities such as damage to the automated teller machine.

Here, the security display unit 125 may be visible to the user or another person, or may be set in various forms such as not to be visible to the user only visible.

Meanwhile, the first or second cameras 161 and 162 may not be exposed to the outside of the main body 101. This can prevent the first or second cameras 161 and 162 from being damaged by criminals. That is, the first or second cameras 161 and 162 may not be visible from the outside of the main body 101 to prevent the first or second cameras 161 and 162 from being damaged by a person who attempts to damage the automated teller machine 100. This makes it possible to reliably capture the crime scene. If the first or second cameras 161 and 162 are easily seen from the outside of the main body 101, the person who wants to break down the automatic teller machine 100 first attacks the first or second cameras 161 and 162 to make a crime. You will not want to leave a record of the field.

As described above, the second camera 162 has a main function of showing the captured screen to the user in real time, but may also have an additional function. This will be described below with reference to FIG. 4.

4 is a block diagram briefly illustrating an internal configuration of the automatic teller machine according to FIG. 1. As shown in FIG. 4, the main body 101 of the automatic teller machine 100 according to an embodiment of the present invention includes a memory unit 170 storing a screen shot by the second camera 162. can do.

In addition to showing the screen shot by the second camera 162 to the user in real time, the financial institution or the like analyzes the screen stored in the memory unit 170 by storing the screen shot of the second camera 162 in the memory unit 170. By obtaining information on the likelihood of a crime, crime can be prevented.

In addition, the screen information captured by the second camera 162 or the screen information stored in the memory unit 170 may be sent to the server 300 of the security company 200 or a financial institution. It may also include a communication unit 180. The communicator 180 may transmit screen information or the like to the server 300 of the security company 200 or the financial institution by wire or wirelessly.

Meanwhile, the first camera 161 as well as the second camera 162 may operate on the same principle as the second camera 162.

Referring to the security method of the automated teller machine 100 according to an embodiment of the present invention described above are as follows.

First, when a financial transaction is started by a user, a process in which the security display unit 125 automatically appears on the transaction history display unit 120 is performed. At this time, if the user sees the screen behind the user shown in the security display unit 125 and is determined to be safe, the user may perform a process of removing the security display unit 125.

If there is a person waiting behind or performing suspicious behavior on the security display unit 125, the user may enlarge the size of the security display unit 125 or allow the other person to see the security display unit 125. It will go through the process of warning others by adjusting its position.

The screen shot by the second camera 125 may be stored in the memory unit 170 or may be transferred by the communication unit 180 to the security company 200 or the server 300 of the financial institution. .

The automated teller machine described so far has been described from the perspective of a teller machine that can increase security by showing a screen shot by a camera to a user in real time, but also the technical idea of the present invention can be grasped from various viewpoints. It should be understood as a minimal description of the invention and not as a boundary limiting the invention.

Although the preferred embodiments of the present invention have been described above by way of example, the scope of the present invention is not limited to these specific embodiments, and may be appropriately changed within the scope of the claims.

1 is a view showing the automatic teller machine according to an embodiment of the present invention,

Figure 2 is a view showing the upper front of the automated teller machine according to Figure 1,

3 is a view showing a transaction history display unit of the automated teller machine according to FIG. 1;

4 is a block diagram briefly illustrating an internal configuration of the automatic teller machine according to FIG. 1.

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

100: automatic teller machine 101: the body

102: Case 110: Card reader part

120: transaction history display unit 130: encryption PIN pad unit

140: banknote deposit and withdrawal unit 160: the photographing unit

170: memory unit 180: communication unit

Claims (6)

In the automated teller machine comprising a storage unit for storing paper media, a withdrawal unit for supplying a paper medium to a customer, a transfer unit for transferring the requested paper medium from the storage unit to the withdrawal unit, main body; A first camera provided in the main body to photograph the customer; A second camera provided in the main body to photograph the surroundings of the customer; And And a security display unit provided in the main body to display images captured by the first camera and the second camera in a first area and a second area, respectively. The security display unit, characterized in that the second area is provided to the person located in the vicinity of the customer. The method of claim 1, And the security display unit provides the first area to at least one of the customer or a person located near the customer. The method according to claim 1 or 2, Further provided in the main body further comprises a transaction history display unit for showing the financial transaction history of the customer, The security display unit is provided with a display window formed on a portion of the transaction history display unit, or a financial automation device, characterized in that provided separately from the transaction history display unit. The method according to claim 1 or 2, Further provided in the main body further comprises a transaction history display unit for showing the financial transaction history of the customer, The security display unit, characterized in that it comprises a display window formed on a portion of the transaction history display unit, and a display unit provided separately from the transaction history display unit. delete The method of claim 1, A memory unit which stores a screen shot by the first camera and the second camera; And And a communication unit for transmitting the screen image captured by the first camera and the second camera or the screen information stored in the memory unit to a server or a security company of a financial institution.

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