KR101135695B1 - Coupon service method and system using automated teller machine - Google Patents

Abstract

The present invention relates to a coupon service method and system using ATM, and registers a predetermined number of ATM coupons for a first account number in which an automated teller machine (ATM) coupon is not registered, and wherein the ATM coupon is registered. The user who uses the ATM coupon for the ATM transaction fee with respect to the first account number, and the central server identifies the financial product not subscribed to by the user when the first account number satisfies a setting condition. A central server that provides information on product coupons applied to financial products that are not subscribed to, and the first account number of a user requesting financial transactions-cash and check deposit and withdrawal, bank transfer, balance inquiry and bankbook Identify and request a coupon service for the first account number to the central server, and register the ATM coupon of the central server Due to the issuance of the coupon ATM notify the user, by printing the information on the product coupon received from the central server it includes an ATM to output the coupon.

Description

Coupon service method and system using ATM {COUPON SERVICE METHOD AND SYSTEM USING AUTOMATED TELLER MACHINE}

The present invention relates to a coupon service. In particular, the present invention relates to a coupon service method and system using an automated teller machine (ATM).

The general method of attracting customers in the financial sector develops products with favorable conditions for customers and then attracts new customers by promoting the products. For example, after developing a product such as a deposit with a high interest rate or a fund with a high yield, a method of advertising on a broadcasting medium, making a brochure or leaflet, etc., and providing it to a customer or advertising on an Internet site is used.

The conventional method of attracting customers in the financial sector targets an unspecified number, and simply promotes only the value of the product, thereby preventing the user from feeling the real benefits of joining as a customer. In particular, the method of attracting customers using product promotion is a method generally used by most financial companies, and thus there is a problem that cannot be differentiated from other financial companies.

In addition, the method of attracting customers using public relations requires a large amount of public relations expenses.

The technical problem of the present invention is to provide a coupon service method and system using ATM that can attract new customers or new customers of a particular product without spending a separate promotional expenses. In addition, the technical problem of the present invention is to provide a coupon service method and system using ATM that can attract customers to a specific customer (for example, other customers or non-customers of a specific product).

According to one aspect for solving the above technical problem, the present invention provides a coupon service method using ATM. The coupon service method includes the steps of: (a) the ATM identifying the first account number of the user requesting the financial transaction; (b) if the first account number is the other account number, the ATM sends the central server the first account number; Requesting a coupon service for an account number; (c) the central server registers a predetermined number of the ATM coupons for the first account number for which the ATM coupon is not registered and issues the ATM coupon to the ATM. Informing, (d) the central server using the ATM coupon for an ATM transaction fee for the first account number in which the ATM coupon is registered, and informing the ATM of the use of the ATM coupon, (e) the Providing, by the central server, information of a product coupon to the ATM when the first account number satisfies a setting condition; and (f) the product coupon received from the central server by the ATM. Printing and outputting the phone.

And according to another feature for solving the above technical problem the present invention provides a coupon service method using ATM. The coupon service method includes the steps of (a) identifying a first account number of a user requesting a financial transaction by an automated teller machine (ATM), and (b) if the first account number is a current account number, Requesting a coupon service for the first account number to a server; (c) the central server registers a predetermined number of the ATM coupons for the first account number for which the ATM coupon is not registered and informs the ATM Informing issuance of an ATM coupon, (d) the central server using the ATM coupon for an ATM transaction fee for the first account number where the ATM coupon is registered and informing the ATM of the use of the ATM coupon (e) the central server identifying the financial product not subscribed to by the user when the first account number satisfies a setting condition; and (f) the central server. A server providing information of a product coupon applied to the financial product to which the user has not subscribed, and (g) printing and outputting the product coupon received from the central server by the ATM. Include.

 In addition, according to another feature for solving the above technical problem the present invention provides a coupon service system. The coupon service system registers a set number of the ATM coupons for a first account number in which an ATM coupon is not registered, and converts the ATM coupons to an ATM transaction fee for the first account number in which the ATM coupons are registered. And if the first account number satisfies a setting condition, the central server identifies a financial product not subscribed to the user and provides information of a product coupon applied to the financial product not subscribed to by the user. The central server to identify the first account number of a user requesting a financial transaction-deposit / withdrawal, cash transfer, balance inquiry and account book, etc.-of the cash / check and the coupon service for the first account number; Request the registration of the ATM coupon to the user by issuing the ATM coupon. Printing the information on the product coupon received from the central server to include the ATM to output the coupon.

According to the present invention by the above-described configuration it is possible to attract new customers of our party or new customers of a particular product without spending a separate promotional cost.

1 is a network diagram schematically showing a coupon service system using an ATM according to an embodiment of the present invention.
2 is a block diagram of a coupon service system according to a first embodiment of the present invention.
3 is a detailed data flow diagram illustrating a coupon service method using an ATM according to a first embodiment of the present invention.
4 is a block diagram of a coupon service system according to a second embodiment of the present invention.
5 is a flowchart schematically illustrating a coupon service method using an ATM according to a second embodiment of the present invention.

Hereinafter, exemplary embodiments of the present invention will be described in detail with reference to the accompanying drawings so that those skilled in the art may easily implement the present invention. As those skilled in the art would realize, the described embodiments may be modified in various different ways, all without departing from the spirit or scope of the present invention. In the drawings, parts irrelevant to the description are omitted in order to clearly describe the present invention, and like reference numerals designate like parts throughout the specification.

Throughout the specification, when a part is said to "include" a certain component, it means that it can further include other components, without excluding other components unless specifically stated otherwise. In addition, the terms “… unit”, “… unit”, “module”, etc. described in the specification mean a unit that processes at least one function or operation, which may be implemented by hardware or software or a combination of hardware and software. have.

Now, a coupon service method and system using an ATM according to an embodiment of the present invention will be described in detail with reference to the accompanying drawings.

Prior to the description, the coupon service according to an embodiment of the present invention issues a set number (eg, at least one) of ATM coupons and provides ATM coupons for exempting (or discounting) an ATM transaction fee to a user (customer) using the ATM. All of which includes providing a product coupon to attract customers to the financial product.

1 is a network diagram schematically showing a coupon service system using an ATM according to an embodiment of the present invention.

As shown in FIG. 1, a coupon service system according to an exemplary embodiment of the present invention includes a plurality of ATMs 10, a router 20, and a central server 100.

ATM (10) is installed in the branches of banks, department stores, discount stores, convenience stores and parks where the demands of customers are high, and the bank counters such as deposit and withdrawal of cash / check, account transfer, balance inquiry and bank book are operated by the customer. It automatically handles the financial tasks of the employees.

In addition, the ATM 10 functions as a coupon issuing device in conjunction with the central server 100. That is, the ATM 10 identifies an account through a bankbook or a card input by the user, and determines whether the user is a third party customer or a current customer through the identified account, and issues a coupon according to the other customer or a coupon according to the current customer. Do this.

The router 20 serves as a gateway for accommodating a plurality of ATMs 10 and interworking with the central server 100 through an IP network (core network).

The central server 100 identifies whether the user is a current customer or a foreign customer by using the account information received through the ATM 10, and then preferentially receives at least one ATM coupon for exempting the ATM transaction fee from the ATM 10. After providing to the user, the financial product coupon is provided to the user through the ATM 10 to the financial product using all the ATM coupons provided to the user. Of course, the central server 100 guides and explains the coupons provided to the user, and guides the user to the ATM through the applied financial products.

Here, the ATM transaction means a financial transaction that a user can use through the ATM 10, and particularly, means a financial transaction in which a fee is generated. For example, ATM transactions include bank transfer and deposit withdrawal.

ATM coupons are coupons that are applied to ATM transactions to exempt financial transaction fees. They are stored and managed at the central server 100 and exposed through the ATM 10 and are not printed as actual paper.

A financial product coupon is a coupon that is applied to at least one financial product to receive preferential treatment such as interest rates for the financial product. The coupon is managed by the central server 100 but printed on paper through the ATM 10 and provided to the user. do.

Hereinafter, a detailed configuration of a coupon service system according to an exemplary embodiment of the present invention described with reference to FIG. 1 will be described with reference to FIG. 2.

FIG. 2 is a block diagram of a coupon service system according to a first embodiment of the present invention, in which a coupon is provided to a user who uses an ATM using another account.

As shown in FIG. 2, the ATM 10 of the coupon service system according to the first embodiment of the present invention may include a user input unit 11, a bankbook recognition unit 12, a card recognition unit 13, and an account identification unit ( 14), the coupon printing unit 15, the control unit 16, the display unit 17 and the core linkage unit 18.

The user input unit 11 allows a user to input a number input, menu selection, enter key input, cancel input, correction input, and the like. The user input unit 11 may be formed of a plurality of buttons or may be configured to detect a user touch by displaying a button icon on the screen of the display unit 17.

Bankbook recognition unit 12 recognizes the account number of the bankbook by recognizing the barcode of the bankbook input from the user, the card recognition unit 13 recognizes the magnetic or RF signal of the card input from the user account of the card Recognize the number.

The account identifying unit 14 determines whether the account number recognized by the bankbook recognizing unit 12 or the card recognizing unit 13 is the current account number or the other account number. The coupon printing unit 15 prints the product coupon provided by the controller 16 on paper and outputs it to the outside.

The control unit 16 controls operations 11 to 15, 17, and 18 of each component, and receives the other account number from the account identifying unit 14, and sends the central server 100 to the central server 100 through the core interlocking unit 18. Request coupon issuance or fee reduction for the other party's account number. In addition, when the control unit 16 receives the information (including coupon issuance or coupon description) of the ATM coupon from the central server 100, the control unit 16 notifies the user of the issuance of the ATM coupon through the display unit 17, and the information of the coupon (the coupon issuance or When the coupon is received), the display unit 17 notifies the user of the issue of the product coupon and at the same time prints the paper through the coupon printing unit 15.

The display unit 17 displays various kinds of information on the screen that enable the user to make a financial transaction through the ATM 10. The core interlocking unit 18 accesses the central server 100 through the router 20 and performs data communication with the central server 100.

In addition, the central server 100 of the coupon service system according to the first embodiment of the present invention may include an ATM interlocking unit 110, a coupon managing unit 120, an issue counting unit 130, a coupon providing unit 140, and a coupon storing unit. The unit 150 and the coupon use history storage unit 160.

The ATM interworking unit 110 is connected to the core interlocking unit 18 to communicate with the ATM 10.

Coupon management unit 120 performs a coupon holding identification function, coupon issuing function, coupon use count management function and the like.

Coupon holding identification function searches the coupon use history storage unit 160 to identify the other account information (that is, another account number) received from the ATM 10, there is an ATM coupon issued corresponding to the other account number identified Alternatively, it can be used to determine if there is an ATM coupon to use.

The coupon issuing function is a function of identifying a type of coupon (eg, an ATM coupon or a product coupon) to be issued corresponding to the corresponding other account number according to the result obtained through the coupon holding identification function. For example, the coupon issuing function may issue a set number of ATM coupons in correspondence with a third-party account number for which an ATM coupon has not been issued, or issue an ATM coupon in correspondence with another account number with an ATM coupon to be used (using the coupon for fee exemption). Or issue a coupon for the other account using all of the ATM coupons to be used.

The coupon usage count management function causes the issuance counting unit 130 to count the use of ATM coupons corresponding to the corresponding bank account number in response to the issuance of the ATM coupon for fee exemption among the results of the coupon issuing function, and the issuance counting unit 130 Request a count result corresponding to the other party's account number. The coupon use count management function may issue a product coupon through a coupon issuing function if there is no ATM coupon corresponding to the corresponding account number.

Issuance counting unit 130 is provided with the other party account number to issue the ATM coupon from the coupon management unit 120, the number of times available for the ATM coupon of the other party account number stored in the coupon use history storage unit '1 'Subtract. The issuance counting unit 130 informs the coupon management unit 120 of whether or not the result of subtracting the ATM coupon available count is '0'.

The coupon providing unit 140 reads the information of the ATM coupon or the information of the product coupon from the coupon storage unit 150 according to the result of the coupon issuing function, and the information of the corresponding coupon to the ATM 10 through the ATM interlocking unit 110. To provide.

The coupon storage unit 150 stores the information of the ATM coupon and the product coupon information, the coupon use history storage unit 160 is for the ATM coupon that the ATM coupon is issued and the ATM coupon matched by each other account number Available times are stored. Of course, the coupon usage history storage unit 160 may further store the information on the other account number for which the product coupon is issued.

Hereinafter, a coupon service method using an ATM according to the first embodiment of the present invention will be described with reference to FIG. 3 based on the coupon service system according to the first embodiment of the present invention.

3 is a flowchart schematically illustrating a coupon service method using an ATM according to a first embodiment of the present invention, and illustrates a case in which a coupon is provided to a user who uses an ATM using another account number.

In the following description, only the coupon service related to the embodiment of the present invention is described, and the description related to the financial transaction processing performed through the ATM 10 is the same as that of the ordinary, and thus will be omitted.

When the user inputs the card or bankbook to the ATM 10, the ATM 10 recognizes the input of the card or bankbook and grasps the account number of the card or bankbook (S301).

The ATM 10 reads the identified account number to determine whether it is the current account number or the other account number (S302). If the current account number is the current account number, the ATM 10 performs a normal process of processing the financial transaction requested by the user (S303).

In the case of the other account number in step S303, the ATM 10 transmits a coupon issuance request message including the other account number to the central server 100 (S304).

The central server 100 identifies the other party account number in the received coupon issuance request message (S305), and determines whether the identified other account number is issued an ATM coupon (S306).

In the step S306, if the other account number is not the account number where the ATM coupon is issued (S307), the central server 100 registers and stores the set number of ATM coupons matching the other account number, and then stores the ATM 10. To provide a guide for issuing the ATM coupon and the purpose of the ATM coupon (S308).

In response, the ATM 10 displays a guide indicating the issuance of the ATM coupon received from the central server 100 and the purpose of the ATM coupon on the screen so that the user can confirm it (S309).

Here, the portion (A) shown in dotted lines in FIG. 3 is a part showing the coupon issuing operation performed in the ATM 10 when the account number is not issued, the ATM coupon is simply displayed on the screen. Informing them that they have been issued, it replaces the issuance of actual coupons.

On the other hand, when the ATM coupon corresponding to the other account number is issued through the process S307, the central server 100 notifies the ATM coupon holding to the ATM 10 and inquires whether or not to use (S310).

Accordingly, the user checks whether the ATM is held and used through the screen of the ATM 10 and requests the use (S311).

Here, according to an embodiment of the present invention, when the financial transaction requested by the user is a financial transaction in which an ATM transaction fee occurs, the ATM coupon may be used unconditionally regardless of the user's selection.

When the user receives the use request of the ATM coupon through the ATM 10, the central server 100 processes the financial transaction requested by the user and exempts the financial fee incurred according to the processed financial transaction (S312).

At this time, the central server 100 notifies the user through the ATM 10 of the financial transaction processing and the exemption of the financial transaction fee.

If the financial transaction fee is waived according to the use of the ATM coupon, the central server 100 deducts the number of available ATM coupons of the corresponding other account number from the coupon usage history storage unit 160, that is, subtracts '1' (S313). .

Then, the central server 100 determines whether the ATM coupon available number of times as a result of the deduction is '0'. That is, the central server 100 determines whether there is no ATM coupon remaining (S314).

As a result of the determination (S314), the central server 100 notifies the user of the completion of the financial transaction and the fee reduction using the ATM coupon if there are remaining ATM coupons, and if there are no remaining ATM coupons, the coupon storage unit 150. One of the at least one product coupon stored in is selected (S315).

In addition, the central server 100 notifies the ATM 10 that the financial transaction has been processed and the product coupon is provided (S316). Of course, the central server 100 provides the ATM 10 with a description of the purpose of the product coupon and the financial product to which the product coupon is applied.

The ATM 10 notifies the user of the completion of the processing of the financial transaction and the provision of the product coupon through the screen, and also describes the purpose of the product coupon and the financial product to which the product coupon is applied.

Accordingly, when the user requests issuance of a product coupon through the ATM 10 (S317), the central server 100 provides information about the product coupon to the ATM 10 (S318), and the ATM 10 receives it. The information of one product coupon is printed and printed on paper so that the user can carry it (S319).

When a user visits a branch with a product coupon and wants to join the financial product, the user may receive the interest rate or bond discount rate described in the product coupon.

Meanwhile, in the above-described embodiment, the issuance process (S315 to S319) of the product coupon is described as immediately performed after the user makes a transaction using the ATM 10 and receives a fee exemption using the ATM coupon. Examples are not limited to this.

That is, in the process of issuing goods coupons (S315 to S319) according to an embodiment of the present invention, when the user makes a transaction using the ATM 10 and receives a fee exemption using the ATM coupon, the user uses the ATM 10 again. Can be done. In this case, the service process issuance process (S315 to 319) is performed immediately after performing the process S301 to S306.

Hereinafter, a coupon service system and method according to a second exemplary embodiment of the present invention will be described with reference to FIGS. 4 and 5.

FIG. 4 is a block diagram of a coupon service system according to a second embodiment of the present invention, in which a coupon is provided to a user who uses an ATM using a current account number.

Prior to the description, the same reference numerals are given to the same components as those of the coupon service system according to the first embodiment of the present invention described with reference to FIG. 2 in the configuration illustrated in FIG. 4. The description of the configuration according to the second embodiment of the present invention denoted by the same reference numerals as the first embodiment of the present invention will be omitted.

As shown in FIG. 4, the ATM 10a of the coupon service system according to the second embodiment of the present invention may include a user input unit 11, a bankbook recognition unit 12, a card recognition unit 13, and an account identification unit ( 14, the coupon printing unit 15, the control unit 16a, the display unit 17 and the core linkage unit 18.

The control unit 16a controls the operations 11 to 15, 17, and 18 of each component, and when receiving the current account number from the account identifying unit 14, the control unit 16a sends the central server 100a to the central server 100a. Request a coupon service. At this time, the control unit 16a may request a coupon service from the central server 100a in the case of a current account number in which an ATM transaction fee is generated.

In addition, when the control unit 16a receives the information (including coupon issuance or coupon description) of the ATM coupon from the central server 100a, the control unit 16a notifies the user of the issuance of the ATM coupon through the display unit 17, and the information of the product coupon (issuance of coupon When the coupon is received), the display unit 17 notifies the user of the issue of the product coupon and at the same time prints the paper through the coupon printing unit 15.

In addition, the central server 100a of the coupon service system according to the second embodiment of the present invention may include an ATM interworking unit 110, a coupon managing unit 120a, an issue counting unit 130, a coupon providing unit 140, and a coupon storing unit. The unit 150, coupon use history storage unit 160a, and includes a financial product DB (170).

The coupon management unit 120a performs a coupon holding identification function, a coupon issuing function, a coupon use count management function, and the like.

Coupon holding identification function searches the coupon use history storage unit 160a to identify the current account information (that is, the current account number) received from the ATM 10 and whether there is an ATM coupon issued in response to the identified current account information Alternatively, it can be used to determine if there is an ATM coupon to use.

The coupon issuing function is a function of identifying the type of coupon (eg, ATM coupon or product coupon) to be issued corresponding to the corresponding bank account number according to the result obtained through the coupon holding identification function. For example, the coupon issuing function may issue a set number of ATM coupons corresponding to a current account number for which an ATM coupon has not been issued, or issue an ATM coupon corresponding to a current account number with an ATM coupon to be used (using the coupon for fee exemption). Or issue a coupon for an account that uses all of the ATM coupons to be used.

The coupon usage count management function causes the issuance counting unit 130 to count the use of the ATM coupon corresponding to the current account number in response to the issuance of the ATM coupon for the fee exemption among the results of the coupon issuing function, and the issuance counting unit 130 Request a count result corresponding to the current bank account number). The coupon usage count management function may issue a product coupon through a coupon issue function if there is no ATM coupon corresponding to the account number.

Issuance counting unit 130 is provided with a current account number to issue an ATM coupon from the coupon management unit 120, the number of times available for the ATM coupon of the current account number stored in the coupon use history storage unit '1 'Subtract. The issuance counting unit 130 informs the coupon management unit 120 of whether or not the result of subtracting the ATM coupon available count is '0'.

The coupon usage history storage unit 160a stores a usable account number for which the ATM coupon was issued and the number of usable times for the ATM coupon matched by each bank account number. Of course, the coupon usage history storage unit 160a may further include information on a current account number for which the product coupon is issued.

The financial product DB 170 matches and stores identification information of at least one financial product and a current account number subscribed to each financial product. Of course, the financial product DB 170 includes guide information for describing the financial product.

Hereinafter, a coupon service method using an ATM according to a second embodiment of the present invention will be described with reference to FIG. 5 based on the coupon service system according to the second embodiment of the present invention.

FIG. 5 is a flowchart schematically illustrating a coupon service method using an ATM according to a second embodiment of the present invention, in which a coupon is provided to a user who uses an ATM using a current account number.

In the following description, only the coupon service related to the embodiment of the present invention is described, and the description related to the financial transaction processing made through the ATM 10a is the same as that of the ordinary, and thus will be omitted.

When the user inputs the card or bankbook to the ATM 10a, the ATM 10 recognizes the input of the card or bankbook and grasps the account number of the card or bankbook (S501).

The ATM 10a reads the identified account number to determine whether it is the current account number or the other account number (S502). If the other account number is the other account number, the ATM 10a performs a normal process of processing the financial transaction requested by the user (S503).

In the case of the other account number in step S503, the ATM 10a transmits a coupon issuance request message including the current account number to the central server 100a (S504).

The central server 100a identifies the current account number in the received coupon issuance request message (S505), and determines whether the identified current account number is issued an ATM coupon (S506).

In the step S506, if the current account number is not the account number in which the ATM coupon is issued (S507), the central server 100a registers (issues) and stores the set number of ATM coupons matching the current account number, and stores the ATM. In step 10508, a guide for issuing an ATM coupon and providing the purpose of the ATM coupon is provided.

In response to this, the ATM 10a displays a guide indicating the issuance of the ATM coupon received from the central server 100a and the purpose of the ATM coupon on the screen so that the user can confirm it (S509).

Here, the portion (A) shown in dotted lines in Fig. 5 is a portion showing the coupon issuing operation performed in the ATM 10a when the current account number is not issued, the ATM coupon is simply on the screen ATM coupon is issued. It is in place of the issuance of the actual coupon by informing that it has been issued.

On the other hand, when the ATM coupon corresponding to the current account number is issued through the process S507, the central server (100a) informs the ATM (10a) to hold the ATM coupon and inquires whether or not to use (S510).

Accordingly, the user checks whether the ATM is held and used through the screen of the ATM 10a and requests the use (S511).

Here, according to an embodiment of the present invention, when the financial transaction requested by the user is a financial transaction in which an ATM transaction fee occurs, the ATM coupon may be used unconditionally regardless of the user's selection.

When the user receives the use request of the ATM coupon through the ATM 10a, the central server 100a exempts the financial fee generated according to the financial transaction processed and processed by the user (S512).

At this time, the central server 100a notifies the user of the financial transaction processing and the exemption of the financial transaction fee through the ATM 10a.

When the financial transaction fee is exempted according to the use of the ATM coupon, the central server 100a subtracts the number of ATM coupons available from the current account number from the coupon usage history storage 160a by '1' (S513).

Then, the central server 100a determines whether the ATM coupon available number of times as a result of the deduction is '0'. That is, it is determined whether there is no ATM coupon remaining (S514).

As a result of the determination (S514), the central server 100a notifies the user of the completion of the financial transaction and the fee reduction using the ATM coupon if there are remaining ATM coupons. Figure out.

In order to identify the product coupon, the central server 100a searches the financial product DB 170 to find a financial product that does not have a corresponding bank account number, and selects a product coupon for the found financial product as a product coupon to be provided to the user. (S515).

At this time, when there are two or more financial products that do not have a current account number, the central server 100a selects a financial product having a high priority. Of course, the central server 100a may identify and select a financial product that the user needs most by using the personal information of the user identified through the current account number.

The central server 100a notifies the ATM 10a that the financial transaction has been completed and the product coupon is provided (S516). Of course, the central server 100a provides the ATM 10a with a description of the purpose of the product coupon and the financial product to which the product coupon is applied.

The ATM 10a notifies the user of the completion of the financial transaction and the provision of the product coupon through the screen, and also describes the purpose of the product coupon and the financial product to which the product coupon is applied.

Therefore, when the user requests issuance of a product coupon through the ATM 10a (S517), the central server 100a provides information about the product coupon to the ATM 10a (S518), and the ATM 10a receives it. The information of one product coupon is printed and printed on paper so that the user can carry it (S519).

When a user visits a branch with a product coupon and wants to join the financial product, the user may receive interest rates or discount rates described in the product coupon.

Meanwhile, in the above-described embodiment, the issuance process of the product coupon is described as immediately performed after the user makes a transaction using the ATM 10 and receives a fee exemption using the ATM coupon. However, embodiments of the present invention are not limited thereto. Do not.

That is, the issuance process of the product coupon according to the embodiment of the present invention may be performed when the user makes a transaction using the ATM 10 and uses the ATM 10 again after receiving a fee exemption using the ATM coupon. have. In the service process according to this case, the process of issuing product coupons (S515 to 519) is performed immediately after performing processes S501 to S506.

Meanwhile, in the above-described first and second embodiments, a coupon service (ie, issuing ATM coupons, exempting fees, and attracting customers to financial products) corresponds to one of the other account numbers or the current account number. Providing a product coupon), but the present invention is not limited to this, it is possible to provide a coupon service to both the other account number and the current account number.

The embodiments of the present invention are not limited to the above-described apparatuses and / or methods, but may be implemented through a program for realizing functions corresponding to the configuration of the embodiment of the present invention, a recording medium on which the program is recorded And such an embodiment can be easily implemented by those skilled in the art from the description of the embodiments described above.

Although the embodiments of the present invention have been described in detail above, the scope of the present invention is not limited thereto, and various modifications and improvements of those skilled in the art using the basic concepts of the present invention defined in the following claims are also provided. It belongs to the scope of rights.

Claims (13)

(a) identifying, by the automated teller machine, the first account number of the user requesting the financial transaction;
(b) the ATM requesting a central server for a coupon service for the first account number when the first account number is a second account number;
(c) the central server using an ATM coupon existing for the first account number for an ATM transaction fee and informing the ATM of the use of the ATM coupon,
(e) if the central server does not have an ATM coupon remaining for the first account number, identifying a financial product not subscribed to by the user, and transmitting a financial product coupon applied to the financial product to the ATM; And
(f) printing and outputting the financial instrument coupon received from the central server by the ATM;
The ATM coupon is a coupon that is applied to ATM transactions to exempt ATM transaction fees, and the financial product coupon is applied to at least one financial product to receive a preferential treatment for the financial product coupon service using ATM Way. The method of claim 1,
Step (e) is a coupon service method using the ATM is performed immediately after the step (c). The method of claim 1,
Step (e) is a coupon service method using an ATM is performed in response to the coupon service request of step (b). The method according to claim 2 or 3,
The ATM coupon is a coupon that discounts or exempts the transaction fee incurred when making a financial transaction using the ATM, such as bank transfer, deposit withdrawal, cash service withdrawal,
The financial product coupon is a coupon service method using an ATM characterized in that the coupon is applied to the financial product preferential rate or bond discount. (a) identifying, by the automated teller machine, the first account number of the user requesting the financial transaction;
(b) when the first account number is a current account number, the ATM requesting a central server for a coupon service for the first account number;
(c) the central server using the ATM coupon existing for the first account number for an ATM transaction fee and informing the ATM of the use of the ATM coupon,
(e) the central server identifying a financial product not subscribed to by the user if there is no ATM coupon remaining for the first account number;
(f) the central server sending a financial instrument coupon applied to the financial instrument to the ATM, and
(g) printing and outputting the financial instrument coupon received by the ATM from the central server;
The ATM coupon is a coupon that is applied to ATM transactions to exempt ATM transaction fees, and the financial product coupon is applied to at least one financial product to receive a preferential treatment for the financial product coupon service using ATM Way. The method of claim 5,
(h) requesting a coupon service for the first account number from the ATM when the first account number is a current account number;
(i) in response to the request for the coupon service, the central server using an ATM coupon existing for the first account number for an ATM transaction fee and informing the ATM of the use of the ATM coupon,
(k) if the central server does not have an ATM coupon remaining for the first account number, identifying a financial product to which the user does not subscribe;
(m) the central server transmitting a financial instrument coupon applied to the financial instrument to the ATM, and
(n) a coupon service method using the ATM further comprising the step of printing the ATM coupon received from the ATM by the ATM. The method according to claim 5 or 6,
The ATM coupon is a coupon that discounts or exempts the transaction fee incurred when making a financial transaction using the ATM, such as bank transfer, deposit withdrawal, cash service withdrawal,
The financial product coupon is a coupon service method using an ATM characterized in that the coupon is applied to the financial product preferential rate or bond discount. The method of claim 7, wherein
Step (e) is a coupon service method using the ATM is performed immediately after the step (c). The method of claim 7, wherein
Step (e) is a coupon service method using an ATM is performed in response to the coupon service request of step (b). Register a predetermined number of the ATM coupons for the first account number for which the ATM (Automated Teller Machine) coupon is not registered, and convert the ATM coupon to the ATM transaction fee for the first account number for which the ATM coupon is registered. A central server for identifying a financial product that the user has not subscribed to and transmitting a financial product coupon applied to the financial product if there is no ATM coupon remaining for the first account number;
Identify the first account number of the user requesting a financial transaction-deposit / withdrawal of cash / check, account transfer, balance inquiry and bankbook, etc .; and request a coupon service for the first account number to the central server; An ATM for notifying the user of registration of the ATM coupon of the central server as the issuance of the ATM coupon, printing the information of the financial product coupon received from the central server, and outputting the coupon as a coupon;
The ATM coupon is a coupon that is applied to ATM transactions to exempt ATM transaction fees, the financial product coupon is a coupon that is applied to at least one financial product to receive a preferential treatment for the financial product. The method of claim 10,
The first account number is at least one of the other account number and the current account number coupon service system. The method of claim 11,
The ATM coupon is a coupon that discounts or exempts transaction fees incurred when making a financial transaction using the ATM, such as bank transfer, deposit withdrawal, or cash service withdrawal. Coupon service system, characterized in that the coupon to receive. delete

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