KR101605829B1 - Terminal for credit card merchant providing cashing service, system including the same, and method for operating the same - Google Patents

Terminal for credit card merchant providing cashing service, system including the same, and method for operating the same Download PDF

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Publication number
KR101605829B1
KR101605829B1 KR1020150098196A KR20150098196A KR101605829B1 KR 101605829 B1 KR101605829 B1 KR 101605829B1 KR 1020150098196 A KR1020150098196 A KR 1020150098196A KR 20150098196 A KR20150098196 A KR 20150098196A KR 101605829 B1 KR101605829 B1 KR 101605829B1
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South Korea
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cash
card
cash withdrawal
company server
information
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KR1020150098196A
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Korean (ko)
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정영준
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바로밴 주식회사
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    • G—PHYSICS
    • G07—CHECKING-DEVICES
    • G07G—REGISTERING THE RECEIPT OF CASH, VALUABLES, OR TOKENS
    • G07G1/00—Cash registers
    • G07G1/12—Cash registers electronically operated
    • G07G1/14—Systems including one or more distant stations co-operating with a central processing unit
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
    • G06Q40/02—Banking, e.g. interest calculation or account maintenance
    • G—PHYSICS
    • G07—CHECKING-DEVICES
    • G07F—COIN-FREED OR LIKE APPARATUS
    • G07F19/00—Complete banking systems; Coded card-freed arrangements adapted for dispensing or receiving monies or the like and posting such transactions to existing accounts, e.g. automatic teller machines
    • G07F19/20—Automatic teller machines [ATMs]
    • G—PHYSICS
    • G07—CHECKING-DEVICES
    • G07G—REGISTERING THE RECEIPT OF CASH, VALUABLES, OR TOKENS
    • G07G1/00—Cash registers
    • G07G1/0036—Checkout procedures
    • G07G1/0045—Checkout procedures with a code reader for reading of an identifying code of the article to be registered, e.g. barcode reader or radio-frequency identity [RFID] reader
    • G07G1/009—Checkout procedures with a code reader for reading of an identifying code of the article to be registered, e.g. barcode reader or radio-frequency identity [RFID] reader the reader being an RFID reader

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  • Business, Economics & Management (AREA)
  • Physics & Mathematics (AREA)
  • General Physics & Mathematics (AREA)
  • Accounting & Taxation (AREA)
  • Finance (AREA)
  • Engineering & Computer Science (AREA)
  • Computer Networks & Wireless Communication (AREA)
  • Development Economics (AREA)
  • Economics (AREA)
  • Marketing (AREA)
  • Strategic Management (AREA)
  • Technology Law (AREA)
  • General Business, Economics & Management (AREA)
  • Theoretical Computer Science (AREA)
  • Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)

Abstract

The present invention provides a member store terminal providing a cash withdrawal service, a system having the member store terminal, and a method for operating the member store terminal. The member store terminal according to the present invention comprises: a card reader unit which reads card information from a payment card or a cash card; a user authentication means which receives user identification information from a user who withdraws cash; an input unit which receives payment amount information or cash withdrawal amount information from the outside; a first communication unit which communicates with a card company server; a second communication unit which communicates with a bank company server; and a control unit which performs a card approval procedure with the card company server, performs a user authentication procedure with the bank company server, or performs a cash withdrawal procedure with the bank company server, when the user authentication procedure is successful. In order to perform the card approval procedure, the first communication unit transmits a card approval request including the card information and the payment amount information to the card company server or receives a card approval response from the card company server. In order to perform the user authentication procedure, the second communication unit transmits a user authentication request including the user identification information to the bank company server or receives a user authentication response from the bank company server. In order to perform the cash withdrawal procedure, the second communication unit transmits a cast withdrawal request for withdrawing an amount corresponding to the cash withdrawal amount from an account corresponding to the user who withdraws the cash to the bank company server, or receives a cash withdrawal response from the bank company server. Since at least one function of an automated teller machine (ATM) is performed by using the member store terminal, the costs for installing a new ATM can be saved.

Description

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to a cash dispenser,

The present invention relates to a credit card merchant terminal, a system including the credit card merchant terminal, and a method of operating the same. More particularly, the present invention relates to a credit card merchant terminal for providing a cash withdrawal service through a credit card merchant terminal, And a method of operating the payment system.

Automated Teller Machine (ATM) is a data communication terminal for the bank teller business that is connected to the main computer of a financial institution such as a bank. The ATM is operated by the depositor himself to deposit and withdraw cash (including a fixed check) Balance inquiry, bank account manager, and so on. These automatic cash dispensers are installed in stores such as banks and post offices or in unmanned windows for the purpose of providing services other than Yongbyeong time, shortening the processing time, and making labor in the window work easier (labor saving).

Although the installation of automatic cash dispensers has been increasing day by day with the above convenience, automatic cash dispensers installed in unmanned windows may cause crime.

Cash dispensers installed at unmanned windows are reported to have a replicator installed at the card slot. When the guard is inserted into the card slot of the automatic teller machine by the criminal, the card inserted may be copied by the replicator, and the card thus copied may be abused by the criminal .

Also, there is a case where a camera is installed on a booth ceiling equipped with an automatic teller machine. Since the camera is installed secretly by a criminal on the ceiling of the cash dispenser booth, the information such as the card number, the name of the holder, the expiration date, etc. appearing on the front face of the card is shot by the camera and the shot information is leaked to the outside, .

Although the automatic teller machine has many advantages, there is a concern that the automatic teller machine may be used by criminals, and the cost for newly installing the automatic teller machine is also low.

Therefore, there is a desperate need for a solution to the above problem.

The present invention provides a merchant terminal that provides a cash withdrawal service, a system including the same, and an operation method thereof.

In order to solve the above-described problems, the present invention provides a card reader comprising: a card reader unit for reading card information from a payment card or a cash card; a personal authentication means for receiving personal identification information from a cash withdrawing user; A first communication unit for communicating with a card company server, a second communication unit for communicating with a bank company server, a card authentication process with the card company server, performing a personal authentication procedure with the bank company server, And a controller for performing a cash withdrawal procedure with the bank company server when the identity authentication procedure is successful, wherein the first communication unit is configured to transmit the card information including the card information and the payment amount information Transmits an approval request to the card company server, receives a card approval response from the card company server, The second communication unit transmits a personal authentication request including the identification information to the bank company server or receives a personal authentication response from the bank company server to perform the personal authentication procedure, A cash withdrawal request for withdrawing an amount corresponding to the cash withdrawal amount information to an account corresponding to the cash withdrawing user to perform the cash withdrawal procedure is transmitted to the bank company server or a cash withdrawal response To the cash dispenser terminal.

According to an embodiment of the present invention, when the cash withdrawal approval response is received from the bank company server in response to the cash withdrawal request, the cash dispenser may include an output unit for providing a screen for guiding cash payment to the merchant.

According to an embodiment of the present invention, the apparatus further includes a cash storage box having a space for receiving cash and being opened and closed according to a control signal of the controller, wherein the controller receives a cash withdrawal approval response in response to the cash withdrawal request from the bank company server And may generate a control signal for opening the cash register when the cash register is received.

According to one embodiment, the controller may perform a cash withdrawal completion procedure for receiving a confirmation input from the cash withdrawal user after receiving the cash withdrawal approval response.

According to an exemplary embodiment, the confirmation input of the cash withdrawal completion procedure may include a process in which the authentication process is performed again.

According to an embodiment, the account corresponding to the cash withdrawing user may be based on the account information read from the cash card through the card reader unit or the account information input through the input unit.

According to one embodiment, the authentication means may include at least one of a fingerprint reader for reading fingerprint information from the cash withdrawing user and a camera for reading face, iris or blood vessel information from the cash withdrawing user .

According to an embodiment, the input unit includes a first input unit for receiving the payment amount information from an affiliate store, and a second input unit for receiving the cash withdrawal amount information from the cash withdrawing user, Each of the second input units may be implemented as a touch screen.

According to one embodiment, the input unit is implemented as one touch screen, and the one touch screen rotates about the rotation axis disposed in the back direction, and the output screen of the touch screen is rotated according to the rotation It is possible to receive the payment amount information from the merchant account or receive the cash withdrawal amount information from the cash withdrawing user.

According to an embodiment, the cash dispenser further includes a storage unit for storing cash liquor, wherein, when the cash withdrawal approval response is received from the bank company server in response to the cash withdrawal request, the controller extracts the cash withdrawal amount information , The cash amount of money may be updated.

According to an embodiment, the controller may not perform the cash withdrawal procedure if the amount corresponding to the cash withdrawal amount information is less than the cash amount.

According to an embodiment, the control unit may store an aggregated amount of money corresponding to the cash withdrawal amount information input through the input unit during a certain business hours from the business start time to the business end time, Based on the aggregated amount, the required cash amount at the time of starting the business during the next business hours can be predicted.

According to an embodiment, the control unit applies a weight to an aggregate amount of money corresponding to the cash withdrawal amount information input through the input unit during the same business hours of the previous year, The weighted value may be based on a ratio of a composite stock price index average for a certain period including the business hours in the year and a composite stock index average for the same period in the previous year.

Also, the present invention provides an agent terminal for providing a cash withdrawal service including an agent terminal providing the cash withdrawal service, the card company server, and the bank company server.

According to an embodiment of the present invention, the bank company server compares an amount corresponding to the cash withdrawal amount information with respect to a transaction for which cash withdrawal is authorized during a cash withdrawal request received from the merchant terminal for a predetermined period of time, After the lapse of the predetermined period, the money can be remitted to the account corresponding to the franchisee.

The present invention also provides a method of transmitting a credit card including a step of transmitting a card approval request including card information read by a card reader unit from a payment card and payment amount information input from an external unit to an external card company server, The method comprising: receiving identification information from a cash withdrawing user by a user authentication means; transmitting a user authentication request including the identification information to a bank company server; The method of claim 1, wherein the step of performing the cash withdrawal procedure comprises the steps of: receiving an authentication response from the server; and performing a cash withdrawal procedure with the bank company server when the authentication process is successful, Receiving money amount information from the cash card, Sending a cash withdrawal request for withdrawing an amount corresponding to the cash withdrawal amount information to an account based on the account information input through the information or input unit to the bank company server, And receiving the cash withdrawal service from the cash dispenser terminal.

According to one embodiment, the cash register may further include a step of, when receiving the cash withdrawal approval response in response to the cash withdrawal request from the bank company server.

According to an embodiment, when the merchant terminal receives the cash withdrawal authorization response in response to the cash withdrawal request from the bank company server, the merchant terminal may receive the confirmation input from the cash withdrawal user.

According to an embodiment, the storage unit further includes storing the cash amount, wherein when the merchant terminal receives the cash withdrawal approval response in response to the cash withdrawal request from the bank company server, The cash amount may be updated by subtracting the amount corresponding to the cash withdrawal amount information.

Further, the present invention provides a computer-readable recording medium on which a computer program for executing a method of operating a payment system for a credit card merchant store is recorded.

According to the present invention, it is possible to reduce the cost of installing a new automatic teller machine by performing at least one function of the automatic teller machine using an affiliate terminal installed in a plurality of credit card merchant stores, and at the same time, It can provide financial services through automatic teller machines.

In addition, since the franchise terminal is installed in a shop where the franchiser is usually resident or managed, criminals can not install a card duplicator or a camera in a secret manner, so that the automatic cash dispenser can not be a hotbed of crime.

In addition, the terminal manages the cash receipt and payment, and predicts and calculates the cash amount based on the calculated cash amount, thereby reducing the trouble that may occur when the cash dispenser provides the cash dispenser service using the merchant's stock merchant terminal.

1 is a block diagram of a credit card settlement system for explaining a settlement process according to a conventional credit card usage.
2 is a configuration diagram of an affiliate terminal that provides a cash withdrawal service according to an embodiment of the present invention.
3A and 3B are perspective views of an affiliate terminal that provides a cash withdrawal service according to an embodiment of the present invention.
3C is an exploded perspective view of the merchant terminal providing cash withdrawal service according to an embodiment of the present invention.
4A and 4B are perspective views of an affiliate terminal that provides a cash withdrawal service according to another embodiment of the present invention.
5 is a configuration diagram of a system including an affiliate terminal according to an embodiment of the present invention.
6A is a flowchart illustrating steps of an operation method of an agent terminal providing cash withdrawal service according to an embodiment of the present invention.
FIG. 6B is a flowchart illustrating steps of a cash withdrawal procedure performed by an affiliate terminal that provides a cash withdrawal service according to an exemplary embodiment of the present invention.

Hereinafter, embodiments of the present invention will be described in detail with reference to the accompanying drawings, wherein like reference numerals are used to designate identical or similar elements, and redundant description thereof will be omitted. The suffix "module" and " part "for the components used in the following description are given or mixed in consideration of ease of specification, and do not have their own meaning or role. In the following description of the embodiments of the present invention, a detailed description of related arts will be omitted when it is determined that the gist of the embodiments disclosed herein may be blurred. It is to be understood that both the foregoing general description and the following detailed description are exemplary and explanatory and are intended to provide further explanation of the invention as claimed. , ≪ / RTI > equivalents, and alternatives.

Terms including ordinals, such as first, second, etc., may be used to describe various elements, but the elements are not limited to these terms.

The terms are used only for the purpose of distinguishing one component from another.

It is to be understood that when an element is referred to as being "connected" or "connected" to another element, it may be directly connected or connected to the other element, . On the other hand, when an element is referred to as being "directly connected" or "directly connected" to another element, it should be understood that there are no other elements in between.

The singular expressions include plural expressions unless the context clearly dictates otherwise.

In this specification, the terms "comprises" or "having ", and the like, are intended to specify the presence of stated features, integers, steps, operations, elements, parts, or combinations thereof, But do not preclude the presence or addition of one or more other features, integers, steps, operations, elements, components, or combinations thereof.

Credit card merchant terminal

2 is a configuration diagram of an affiliate terminal that provides a cash withdrawal service according to an embodiment of the present invention.

2, the merchant terminal 100 providing a cash withdrawal service according to an embodiment of the present invention includes a control unit 110, a card reader unit 120, a personal authentication unit 130, a communication unit 140 , A storage unit 150, an interface unit 160, and a cash storage unit 170. In addition,

However, it is needless to say that the components shown in FIG. 2 are not essential, so that a credit card merchant terminal having more or fewer components can be implemented.

Hereinafter, each component will be described.

The control unit 110 controls the overall operation of the franchisee terminal 100 by controlling the operation of each component included in the franchisee terminal 100. The control unit 110 includes at least one component included in the franchisee terminal 100 And outputs the processed information through at least one component included in the franchise terminal 100. The franchise terminal 100 includes a plurality of components,

In addition, the control unit 110 can control an operation related to an application program or an application. For example, the control unit 110 can perform an operation according to a program, an application, or the like stored in the storage unit 150. [

Specifically, the control unit 110 transmits a card approval procedure based on the credit card information read through the card reader unit 120 and / or the transaction amount (or payment amount) information input through the interface unit 160 to the card issuer The server 300 or the card issuing server 400 or the card reader 120 or the input unit 161 based on the identification information inputted through the authentication means 130 Withdrawal procedure with the bank company server 400 based on the account information input through the input unit 161 and the cash withdrawal amount information input through the input unit 161. [

According to one embodiment, the controller 110 may perform the card authorization procedure with the card issuer server 300. [

1 is a system configuration diagram including an affiliate terminal according to an embodiment of the present invention for explaining a card approval procedure.

First, a payment card (hereinafter referred to as a "credit card" term for ease of explanation) is registered as a member of a credit card company and a credit card issuer is provided. Register as a merchant in a credit card company. When a user receives a commodity or service through a merchant, the user makes a settlement using the credit card issued by the credit card company as a compensation.

The franchisee terminal 100 performs a card approval procedure for approval of use of the credit card to be settled and the franchisee terminal 100 transmits the credit card to the card issuer server 300 and / 120, and the payment amount information input through the input unit 161. [0034] [36]

The card issuer server 300 and / or the VAN company server 200 determines whether to approve the transaction based on the received card approval request, and when the merchant terminal 100 receives the card issuer server 300 and / (VAN) server 200, the payment is made between the user and the merchant, and the credit card company server 300 deposits the payment to the payment account of the merchant through the bank server of the partner bank do. Then, the credit card company will charge the credit card member.

A detailed explanation of the authentication procedure and the cash withdrawal procedure will be given later.

The control unit 110 encrypts data transmitted to the bank company server 400 when the authentication process is performed with the bank company server 400 or when the bank company server 400 authenticates the merchant terminal 100, And may encrypt the data transmitted to the franchisee terminal 100 when performing the operation. At this time, the merchant terminal 100 and / or the bank company server 400 receiving the encrypted data can decrypt the received encrypted data.

According to an exemplary embodiment of the present invention, when the bank server 400 stores a public key and a corresponding private key, the controller 110 transmits the credit information Can be encrypted.

The public key that the merchant terminal 100 can store in the storage unit 150 can be received from the bank server 400 through the electric communication line or read through various storage media.

Accordingly, even if another terminal or another server intercepts at least one piece of information encrypted by the control unit 110, the control unit 110 generates a private key paired with the public key used for encryption Since the encrypted credit information can not be decoded unless it is provided, the fear that the credit information is leaked to the outside and the personal information of the consumer using the credit card is leaked can be solved.

Meanwhile, according to an embodiment of the present invention, the controller 110 may perform a cash withdrawal procedure with the bank server 400.

5 is a system configuration diagram including an affiliate terminal according to an embodiment of the present invention for explaining a cash withdrawal procedure.

In order to use the cash withdrawal service using the merchant terminal according to the embodiment of the present invention, the cash withdrawing user must have an account at the bank company. Accordingly, the bank company server 400 may store the account information for the cash withdrawing user and the identification information of the cash withdrawing user for authenticating the user of the cash withdrawing user.

When the cash withdrawing user tries to use the cash withdrawal service through the merchant terminal 100, the merchant terminal 100 reads the card information from the cash card through the card reader 120 or transmits the account information The franchise terminal 100 may receive the cash withdrawal amount information through the input unit 161. The cash withdrawal amount information may be input through the input unit 161. [ If the merchant terminal 100 receives a successful authentication response from the bank company server 400, the merchant terminal 100 receives at least the authentication response from the bank server 400 And receives at least one account information through the output unit 162 and provides the account information to the cash withdrawing user so as to receive an input for selecting an account to be withdrawn, The cash withdrawal amount information can be inputted through the input unit 161. FIG.

Accordingly, the franchisee terminal 100 uses the card information of the cash card, the cash withdrawal amount information, the inputted account information and the cash withdrawal amount information, or the person identification information, the selected account information and the cash withdrawal amount information, To the bank server 400, a cash withdrawal request for withdrawing an amount corresponding to the cash withdrawal amount information from the account corresponding to the withdrawing user.

The bank company server 400 determines whether or not the money corresponding to the cash withdrawal amount information can be withdrawn from the account corresponding to the cash withdrawing user based on the received cash withdrawal request, Upon receipt of the cash withdrawal success response from the cash server 400, the control unit 110 may output a screen for instructing the merchant to pay cash through the output unit 162.

That is, when the franchisee terminal 100 receives a cash withdrawal success response from the bank company server 400, the output unit 162 may provide a screen for requesting the merchant to request cash payment for the cash withdrawing user have.

For example, the card reader unit 120 reads the cash card information from the user who is now a cash user, receives the account information through the input unit 161, and receives the cash withdrawal amount of 100,000 won through the input unit 161 If the merchant terminal 100 receives the cash withdrawal success response from the bank company server 400, the merchant terminal 100 may output the message "Pay 100,000 won to Mr. Chul-soo" through the output unit 161. [

The franchise terminal 100 according to an exemplary embodiment of the present invention may further include a cash storage box 170 having a space for receiving cash and capable of opening and closing according to a control signal of the controller 110. [

Accordingly, when the franchisee terminal 100 receives a cash withdrawal response from the bank company server 400, the control unit 110 generates a control signal for opening the cash deposit box 170 and opens the cash deposit box 170 Thus, the merchant can easily make cash payment to the cash withdrawing user.

The cash storage box 170 may be formed in the main body of the merchant terminal 100 and may be integrally formed with the main body of the merchant terminal 100. Alternatively, And may be implemented as separate modules. Specifically, the cash storage box 170 that is detachable to the merchant terminal 100 may be configured to be electrically contacted with each other by at least one terminal, or alternatively, be electrically connected by at least one communication cable It is possible.

After the control unit 110 outputs a screen for instructing the cash payment through the output unit 162 or generates a control signal for opening the cash deposit box 170, the control unit 110 receives cash payment from the cash withdrawing user May perform the cash withdrawal completion procedure to receive the confirmation input.

The cash withdrawal completion procedure can be performed simply by the input unit 161 receiving an input for touching or touching an OK button or receiving a signature from the cash withdrawing user. According to another embodiment, Authentication can be performed by performing the authentication procedure through the authentication means 130 and / or the input unit 161. [

However, the above-described cash withdrawal procedure performed by the control unit 110 may be performed before or during execution of the cash withdrawal procedure (for example, when the controller 110 receives cash withdrawal amount information and account information, The user authentication procedure, which is a procedure for confirming that the cash withdrawing user is authorized for the cash withdrawal account, can be performed through the authentication means 130 and / or the input unit 161. [

A detailed description of the authentication process will be given later.

Meanwhile, the storage unit 150 may store the cash lien, and the controller 110 may update the cash lien.

If the cash withdrawal request is received from the bank company server 400, the cash disbursement amount corresponds to the cash withdrawal amount information according to the request of the cash withdrawing user from the current cash disbursement amount You can update the current cash gross amount by subtracting the amount.

For example, if the cash amount stored in the storage unit 150 is 3,000,000 won and the cash withdrawing user requests 300,000 won withdrawal, the control unit 110 stores the cash withdrawal amount information inputted from the cash withdrawing user at the cash amount of 3,000,000 won The current cash amount can be renewed to KRW 2,700,000 by deducting the corresponding amount of KRW 300,000.

Also, the control unit 110 can compare the current amount of money with the amount corresponding to the cash withdrawal amount information input from the cash withdrawing user through the input unit 161, and if the amount corresponding to the cash withdrawing amount information is less than the current amount , The control unit 110 may not perform the cash withdrawal procedure. That is, the control unit 110 may not transmit the cash withdrawal request to the bank company server 400, and may output the notification message to the outside in a visual or auditory manner.

For example, when the cash amount stored in the storage unit 150 is 100,000 KRW and the cash withdrawing user requests the withdrawal of 200,000 KRW, the controller 110 requests the cash withdrawing user to pay the cash withdrawal amount, ) May output a message indicating that the current cash is insufficient and the deficiency (the difference between the requested cash amount of the cash withdrawing user and the cash amount of the cash) without performing the cash withdrawal procedure. More specifically, the output unit 162 can output a message "The current cash amount is short of 100,000 won" on the screen.

In addition, the control unit 110 may count the amount of money requested to the bank company server 400 for a certain period and the bank company server 400 when performing the cash withdrawal procedure, The amount of money corresponding to the cash withdrawal amount information during the period. Here, the predetermined period may indicate a period from an arbitrary business start time to an arbitrary business end time, for example, the predetermined period may be a predetermined one day of business hours.

Accordingly, the control unit 110 counts the amount of money requested from the cash withdrawing user, not the aggregation of the amount requested to the bank company server 400 (hereinafter, the "aggregate amount" The amount of money requested from the cash withdrawing user is summed up), and based on the aggregate amount, the required cash amount at the time of starting the business can be predicted during the next business hours.

At this time, it may be based on the aggregated amount that is calculated in the prediction of the required cash amount at the next business time start time, preferably the amount corresponding to the cash withdrawal amount information inputted from the cash withdrawing user during the same business hours of the immediately preceding year.

For example, assuming that business hours are from 8:00 am to 8:00 pm, the required cash amount at 8:00 am on July 1, 2015 is the same as the previous business day, July 1, 2014 The total amount of cash withdrawn from cash withdrawal users from 8:00 am to 8:00 pm is 3,500,000 won, which is 8:00 am on July 1, 2015.

However, since it can not be assumed that the economic situation of last year is the same as that of this year, it is more preferable to apply a predetermined weight to the total amount of the immediately preceding year to predict the required cash amount at the next business time start time.

Here, the weights can be based on the ratio of the composite stock price index average of a certain period including the business hours of the year to the average of the composite stock price index of the same period of last year (preferably the immediately preceding year).

For example, calculate the average of the KOSPI in Korea from June 1, 2015 to July 1, 2015 including July 1, 2015 business hours for the same year, We can calculate the average of Korea's total stock price index from June 1, 2014 to July 1, 2014, and weights the ratio of the two stock index averages.

If the average of the aggregate stock price index for the previous year is larger than the average of the previous year's aggregate stock price index, the ratio (α) can be applied to the previous year's aggregate amount (eg, 3,500,000 won) , It is possible to predict the cash amount of the business start time at the business hours of the year.

As described above, the information on the integrated stock price index used by the merchant terminal providing the cash withdrawal service according to the embodiment of the present invention can be received from the bank server 400, (Not shown) and the like, rather than the server 400. [

In addition, although the merchant terminal providing the cash withdrawal service according to the embodiment of the present invention calculates the weight applied for predicting the cash amount based on the total stock price index of the country in which the franchisee terminal is installed, according to another embodiment It can be based on the exchange rate rather than the composite stock price index.

The card reader unit 120 is a means for reading card information from a payment card usable as a payment means such as a credit card or a check card or reading card information from a cash card usable as a cash withdrawing means in connection with an account to be.

The card reader unit 120 according to the present invention does not limit the manner in which the card information is read from the payment card or the cash card. For example, the card reader unit 120 may include a magnetic stripe , The card information stored in the IC chip mounted on the card is read, or the card information stored in the IC chip mounted on the card is read in a non-contact manner by a short-range wireless communication method such as NFC, Zigbee, Lt; / RTI >

The card reader 120 for reading card information from the card may be integrally formed with the main body of the merchant terminal 100 provided in the main body of the merchant terminal 100. Alternatively, May be implemented as a separate module from the main body of the merchant terminal 100. Specifically, the card reader unit 120, which is detachably attached to the merchant terminal 100, may be configured to be electrically contacted with each other by at least one terminal, or alternatively may be electrically connected by at least one communication cable .

The interface unit 160 is a means for receiving various inputs from the user or outputting various information to the outside in a visual and / or auditory signal at the same time or at the same time. The interface unit 160 includes an input unit 161 and / (162).

The input unit 161 receives the payment amount information of the transaction (mainly by the merchant) or enters the cash withdrawal amount information including the amount of money requested by the cash withdrawing user Can receive.

When information is inputted through the input unit 161, the controller 110 can control the operation of the affiliated terminal 100 so as to correspond to the input information. The input unit 161 may include a mechanical input unit (or a mechanical key such as a button located on the front, rear or side of the terminal 400, a dome switch, a jog wheel, Etc.) and touch-type input means. For example, the touch-type input means may comprise a virtual key, a soft key or a visual key displayed on the touch screen through software processing, And a touch key disposed on the touch panel. Meanwhile, the virtual key or the visual key can be displayed on a touch screen having various forms, for example, a graphic, a text, an icon, a video, As shown in FIG.

The output unit 162 may include a display unit (or a touch screen). The output unit 162 displays (or outputs) information to be processed by the affiliate terminal 100. For example, the display unit may display an application program running on the merchant terminal 100, execution screen information of the application, UI (User Interface) and GUI (Graphic User Interface) information according to the execution screen information.

When the output unit 162 is implemented as a touch screen, the output unit 162 not only displays (or outputs) the information processed by the merchant terminal 100, but also includes an input unit 161 for receiving user's input, Can play a role.

The personal authentication means 130 is a means for receiving the identification information from the cash withdrawal user. According to one embodiment, the authentication means 130 may include at least one of a fingerprint reader for reading fingerprint information from a cash withdrawing user and a camera for reading face, iris and blood vessel information from the cash withdrawing user .

Specific methods or means for obtaining information that can identify the user of the cash withdrawal user, such as fingerprint information, face information, iris information, and blood vessel information, using a fingerprint reader and a camera (which may be an infrared camera) The identity authentication means can acquire the identity information by means of a known method or means.

The authentication means 130 may be provided in the main body of the merchant terminal 100 and may be integrally formed with the main body of the merchant terminal 100. Alternatively, And may be implemented as separate modules. Specifically, the self-authentication means 130, which is detachable to the merchant terminal 100, can be configured to be electrically contacted with each other by at least one terminal, or alternatively, electrically connected by at least one communication cable It is possible.

Accordingly, the control unit 110 can perform the identity authentication process using the identity information acquired through the identity authentication unit 130 or using the identity information such as the password input through the input unit 161 .

Specifically, the control unit 110 may transmit a personal authentication request including the personal identification information acquired through the personal authentication unit 130 and / or the input unit 161 to the bank server 400. [ The bank company server 400 receiving the identity authentication request compares the identity information registered online or offline by the cash withdrawing user with the identity information received from the affiliation transaction terminal 100 to determine whether the identity is identical And transmits the identity authentication response to the affiliate terminal 100 based on the determination result. If the bank company server 400 determines that the bank company server 400 matches the bank company server 400, the bank company server 400 transmits a personal authentication success response to the affiliate terminal 100. Otherwise, if the bank company server 400 determines that the bank company server 400 is inconsistent, The authentication failure response may be transmitted to the terminal 100.

Accordingly, the controller 110 can perform the cash withdrawal procedure when receiving the authentication success response from the bank company server 400. If the authentication failure response is received from the bank server 400, Can be performed.

Meanwhile, as described above, the authentication process may be performed before the cash withdrawal procedure is completed, but the authentication process may be performed again for the cash withdrawal user to confirm the cash withdrawal after the cash withdrawal procedure is completed.

The communication unit 140 can transmit / receive various information (or data, signals, etc.) to / from another terminal or another node through at least one communication network by wire / wireless communication method.

The communication unit 140 may include a first communication unit 141 for communicating with the card issuer server 300 and a second communication unit 142 for communicating with the bank server 400. The first communication unit 141 and the second communication unit 142 described in the present specification are distinguished from the communication unit 140 for the convenience of the object to which the merchant terminal 100 communicates and must be implemented as a module physically separated It may be implemented as a single module and may also perform communication by the same communication method.

The first communication unit 141 may transmit a card approval request to the card issuer server 300 or may receive a card approval response from the card issuer server 300 to perform the card approval procedure.

In addition, the second communication unit 142 may transmit a personal authentication request to the bank company server 400 or may receive a personal authentication response from the bank company server 400 to perform the personal authentication procedure, It may send a cash withdrawal request to the bank company server 400 for execution or may receive a cash withdrawal response from the bank company server 400. [

The communication network including at least one of the merchant terminal 100, the VAN server server 200, the credit card company server 300 and the bank company server 400 may be various types of networks, And the form thereof is not particularly limited. According to one embodiment, the franchisee terminal 100 and the bank company server 400 may be connected in a one-to-one manner. However, the franchise terminal 100 and the bank company server 400 may be connected in a one- ), A ring, and a bus.

The communication unit 140 includes a modem for communicating with at least one of the VAN server 200, the card issuer server 300, and the bank company server 400 by using a telephone line, The communication unit 140 may include at least one of a mobile communication module, a wireless Internet module, and a location information module so that the franchisee terminal 100 may be free from movement restriction. have.

The mobile communication module can transmit and receive a radio signal with at least one of a base station, an external terminal, a client, and a server on a mobile communication network established according to technical standards for mobile communication or a communication method.

The wireless signal may include various types of data (or information) in response to a voice call signal, a video call signal, or a text / multimedia message transmission / reception.

The wireless Internet module refers to a module for wireless Internet access, and may be built in or externally attached to the terminal 400. The wireless Internet module 414 may be configured to transmit and receive wireless signals in a communication network according to wireless Internet technologies.

From the viewpoint that the wireless Internet access is performed through the mobile communication network, the wireless Internet module performing the wireless Internet connection through the mobile communication network may be understood as a kind of the mobile communication module.

The location information module is a module for acquiring the location (or current location) of the merchant terminal 100, and representative examples thereof include a global positioning system (GPS) module or a wireless fidelity (WiFi) module. For example, when the franchisee terminal 100 utilizes the GPS module, it can acquire the location of the franchisee terminal 100 using a signal transmitted from the GPS satellite. As another example, when the merchant terminal 100 utilizes the Wi-Fi module, the franchisee terminal 100 searches for a location of the franchisee terminal 100 based on information of a wireless AP (wireless access point) Can be obtained. If desired, the location information module may replace or additionally perform any of the other modules of the communication unit 140 to obtain data regarding the location of the mobile terminal. The position information module is a module used for obtaining the position (or current position) of the terminal, and is not limited to a module for directly calculating or acquiring the position of the mobile terminal.

The franchisee terminal 100 according to an embodiment of the present invention may further include a storage unit 150. [

The storage unit 150 may store a program for the operation of the control unit 110 or an application or the like through the interface unit 160 or may be connected to the communication unit 140 through the interface unit 160. [ (Information) transmitted / received through the network.

The storage unit 150 may be a flash memory type, a hard disk type, a solid state disk type, an SDD type (Silicon Disk Drive type), a multimedia card micro type a random access memory (RAM), a static random access memory (SRAM), a read-only memory (ROM), an electrically erasable programmable memory (EEPROM) read-only memory (ROM), programmable read-only memory (PROM), magnetic memory, magnetic disk, and optical disk.

Meanwhile, the storage unit 150 may be a web storage that performs a storage function on a communication network (for example, the Internet) connected by the communication unit 140.

Recently, the use of credit cards is gradually increasing, and the use of credit cards is becoming commonplace. Since the credit card users do not have to pay the payment immediately and do not have to feel the burden of paying the payment at a time through the installment, the use of the credit card is becoming common, and in the government, , And the use of credit cards is increasing day by day. Accordingly, the franchise terminal that performs settlement using a credit card is installed in a plurality of places.

In such a situation, in the case of providing the financial service through the automatic teller machine by utilizing the franchise terminal, the cost of newly installing the automatic teller machine is reduced, and in addition, the cash service user can use the cash dispenser terminal The automatic withdrawal service can be utilized.

In addition, since the franchisor is usually installed in a resident or managed shop, criminals can not install a card duplicator or a camera, thereby reducing the incidence of crime that may occur through automatic cash dispenser.

Example

3A and 3B are perspective views of an affiliate terminal that provides a cash withdrawal service according to an embodiment of the present invention.

3A and 3B, the merchant terminal 500 according to an embodiment of the present invention includes a terminal 510 having a touch screen 511 serving as an input unit 161 and an output unit 162, And a card reader 520 electrically connected thereto.

That is, the franchise terminal 500 according to an exemplary embodiment of the present invention is implemented as one touch screen 511, and one touch screen 511 is disposed on the rotation axis R disposed in the back direction, The terminal 511 (or the terminal 510 having the same) can be rotated in the direction of the arrow shown in Figs. 3A and 3B.

Accordingly, as the terminal 510 having the touch screen 511 rotates about the rotation axis R, the terminal 510 senses the rotation through the orientation sensor such as the gyro sensor, 2 screen can be output. That is, the touch screen 511 receives the payment amount information from the merchant store through the first screen by making a difference between the first screen displayed to the merchant and the second screen displayed to the cash withdrawing user, The cash withdrawal amount information, the account information, and the like can be inputted through the second screen.

3C, the franchise terminal 500 according to the embodiment of the present invention may be configured so that the terminal 510 having the touch screen 511 rotates about the rotation axis R The terminal 510 having the touch screen 511 is inserted into one side of the card reader unit 210 and the card reader unit 120 has a rotation axis R on the other side, As shown in FIG.

At this time, the main body 501 may include a communication unit 140 and / or a control unit 110 to support the franchise terminal 500 on the floor and form an external appearance. According to one embodiment, the main body 501 may further include fingerprint recognition means F as the principal authentication means 130, and the terminal 500 having the touch screen 511 may include authentication means 130 As shown in Fig.

4A and 4B are perspective views of an affiliate terminal that provides a cash withdrawal service according to another embodiment of the present invention.

4A and 4B, the franchise terminal 600 according to an embodiment of the present invention includes a first touch screen 611 having a first touch screen 611 serving as an input unit 161 and an output unit 162, And may include a terminal 610 and a card reader unit 620 electrically connected thereto.

The first terminal 610 may further include a second terminal 650 having a first touch screen 611 and a second touch screen 651 disposed to face different directions. That is, the franchise terminal 500 according to the embodiment of the present invention may be implemented with two touch screens 611 and 651.

The first touch screen 611 outputs a first screen to be output to the merchant and the first touch screen 611 receives payment information from the merchant through the first screen. Also, the second touch screen 651 may output a second screen for outputting to the cash withdrawing user, and the second touch screen 651 may receive the cash withdrawing amount information from the cash drawing user through the second screen have. In other words, the input unit according to an embodiment of the present invention includes a first input unit for receiving payment amount information from an affiliate store, and cash withdrawal information from a cash withdrawing user. And a second input unit for receiving account information and the like.

At least one of the first terminal 611 and the second terminal 612 may include a communication unit 140 and / or a control unit 110. The franchisee terminal 600 according to an embodiment of the present invention may further include a support portion 602 having a support plate for supporting the first terminal 611 and the second terminal 612 on the floor. According to an embodiment of the present invention, the merchant terminal 600 may further include fingerprint recognition means F disposed on one side of the support portion 602 as the authentication means 130, 651 may include a camera as the personal authentication means 130. [

Systems including merchant terminals

5 is a system configuration diagram including an affiliate terminal according to an embodiment of the present invention for explaining a cash withdrawal process.

5, the system including the merchant terminal according to an exemplary embodiment of the present invention may include an affiliate shop terminal 100, a credit card company server 300, and a bank company server 400. [

It is needless to say that the components shown in Fig. 5 are not essential, and a system having more or fewer components can be implemented.

Hereinafter, each component will be described.

A consumer may provide credit information to a credit card company, sign up as a member, receive a credit card, use a merchant affiliated with the credit card company in exchange for purchasing goods or services. Here, the merchant may include a restaurant, a store for producing or selling merchandise, and a service industry providing various services in off-line (for example, a cleaning business, a quick service business, a substitute business, a delivery service business, etc.).

The merchant terminal 100 is installed at a merchant affiliated with the credit card company. When the merchant and / or the service provider provide merchandise and / or services, the merchant terminal 100 receives the credit for the goods and / The credit card information stored in the credit card can be read from the credit card when the credit card transaction is made.

Here, the card information read by the merchant terminal 100 from the credit card (or payment card) may include at least one of the card company name, the name of the cardholder, the card number, and the card validity period.

In addition, the merchant terminal 100 may receive information (hereinafter referred to as "payment amount information") including transaction amount (or payment amount) of a transaction made at an affiliated store.

Accordingly, the merchant terminal 100 may transmit a card approval request to the VAN server 200 and / or the card company server 300 based on the card information and the payment amount information.

The merchant terminal 100 is a terminal connected to the VAN server 200 and / or the card issuer server 300 so that the merchant terminal 100 can communicate with a mobile phone, a smart phone, a notebook computer a laptop computer, a digital broadcasting terminal, a personal digital assistant (PDA), a portable multimedia player (PMP), a slate PC, a tablet PC, an ultrabook, , But may include fixed terminals such as a digital TV, a desktop computer, and the like.

On the other hand, the merchant terminal 100, the VAN server 200 and / or the card issuer server 300 can configure various types of networks each having a node. According to one embodiment, the merchant terminal 100 and the VAN server 200 and / or the card issuer server 300 may be implemented in the form of a star, an annulus, a bus, or the like. However, they are preferably connected in a peer-to-peer manner.

In addition, the franchise terminal 100 and the bank company server 400 may constitute various types of networks each having a node as a node.

The network including at least one of the merchant terminal 100, the VAN server server 200, the credit card company server 300 and the bank server 400 as a node may include at least one of a wired communication network or a wireless communication network .

 An example of the wired communication network may be a closed network such as a LAN (Local Area Network), a WAN (Wide Area Network), or the like, and is preferably an open network such as the Internet. The Internet can be divided into several services, such as HyperText Transfer Protocol (HTTP), Telnet, File Transfer Protocol (FTP), Domain Name System (DNS), Simple Mail Transfer Protocol (SMTP) Simple Network Management Protocol (NFS), Network File Service (NFS), and Network Information Service (NIS).

In addition, one example of the wireless communication network is a wireless communication system including a wireless communication system, a wireless communication system, a wireless communication system, a wireless communication system, a wireless communication system, a wireless communication system, (HSDPA), High Speed Uplink Packet Access (HSUPA), Long Term Evolution (LTE), LTE (High Speed Downlink Packet Access) A (Long Term Evolution-Advanced) or the like).

As described above, the merchant terminal 100 may encrypt the information to be transmitted to the bank company server 400 when performing the identity authentication procedure, and in accordance with an embodiment, The credit information can be encrypted using the key.

Accordingly, even if the identification information or the like encrypted by the merchant terminal 100 is leaked by another terminal or another server other than the bank server 400, There is no fear that some information included in the information will be leaked to the outside.

The card issuer server 300 collectively refers to a payment card company server that issues a card to a payment card member and enables a consumer using the merchant card to perform a credit transaction using the payment card. It is possible to determine whether or not the card is approved for the received card approval request and transmit the card approval response to the affiliate terminal 100 as a result of the card approval or disapproval.

Here, the card issuer server 300 may determine whether to approve the card based on the card usage limit determined once or according to the credit status of the card owner for the card approval request received from the merchant terminal 100.

Also, the card company server 300 can store the usage details of the card, the card approval or the cancellation history based on the card information and the payment amount information received from the merchant terminal 100.

Accordingly, the card issuer server 300 can deposit an amount corresponding to the payment amount of the approved transaction based on the payment card approval details into the account corresponding to the merchant, the merchant, or the merchant terminal 100.

Meanwhile, the system according to an embodiment of the present invention may further include a VAN server server 200.

The VAN server 200 determines the credit card company issuing the credit card using the credit card information read by the merchant terminal 100 and transmits the credit card company's credit card information to the credit card company 300 to the credit card information and the payment amount information.

In addition, the VAN server 200 may receive a request for a card approval request from the merchant terminal 100, and may transmit a card approval request to the card issuer server 300. [ Accordingly, the card issuer server 300 can transmit the result of card approval to the merchant terminal 100 through the VAN server 200.

The VAN server 200 does not transmit the credit card information and the payment amount information received from the merchant terminal 100 to a device other than the card issuing server 300 so that the credit card information and the payment amount It is desirable to protect personal information so that information is not leaked.

The bank company server 400 is a collective term for a bank server for providing various financial services to a user through the merchant terminal 100. The bank company server 400 includes a bank server 400, Or to determine whether the cash withdrawal approval has been granted according to the cash withdrawal request through the merchant terminal 100. [

In addition, the bank company server 400 may receive a request for providing a financial service including a cash deposit request, a cash loan request, etc. in addition to a cash withdrawal request from the merchant terminal 100, And provide the result to the franchisee terminal 100.

According to one embodiment, the bank company server 400 may store identity information corresponding to a user with an account on the bank side to perform the identity authentication procedure. Here, the person identification information may be at least one of, for example, a password, fingerprint information, face information, iris information, and blood vessel information.

A specific procedure in which the personal authentication procedure and the cash withdrawal procedure are performed between the merchant terminal 100 and the bank company server 400 will be described.

According to one embodiment, the merchant terminal 100 may transmit the identification information provided from the cash withdrawing user to the bank company server 400, and the bank company server 400 may transmit the identification information to the bank server 400 400 may be identified.

Accordingly, the bank company server 400 provides at least one account information corresponding to the identified user to the affiliate shop terminal 100, and the affiliate shop terminal 100 stores at least one of the account information provided from the bank company server 400 You can get input to select any one. Thereafter, the merchant terminal 100 receives the cash withdrawal amount information from the user for the account, and sends a cash withdrawal request for withdrawing the amount corresponding to the cash withdrawal amount information to the selected account to the bank server 400 Lt; / RTI > Here, the amount corresponding to the cash withdrawal amount information may include an amount input from the cash withdrawing user and a predetermined fee.

When the bank account server 400 receives the cash withdrawal request, it inquires the balance of the selected account. If the inquiry balance is equal to or larger than the amount corresponding to the cash withdrawal amount information, the cash withdrawal approval response is sent to the merchant terminal 100 And if the inquiry balance is less than the amount corresponding to the cash withdrawal amount information, the cash withdrawal failure response may be transmitted to the affiliate terminal 100. [

According to another embodiment of the present invention, the merchant terminal 100 may store the identification information provided by the cash withdrawing user and the account information read through the card reader 120 or input through the input unit 161, The bank company server 400 may transmit the personal identification information on the account information stored in the bank company server 400 and the personal information received from the affiliated shop terminal 100 based on the identity information and the account information, It is possible to judge whether or not the identification information is matched and perform the identity authentication procedure.

Accordingly, when receiving the cash withdrawal request, the bank company server 400 inquires the balance of the selected account only for the account whose authentication has been successful, and if the inquiry balance is the amount corresponding to the cash withdrawal amount information , It transmits a cash withdrawal approval response to the merchant terminal 100. If the inquiry balance is less than the amount corresponding to the cash withdrawal amount information, it can transmit a cash withdrawal failure response to the merchant terminal 100. [

Here, the bank company server 400 may determine whether or not to approve the cash withdrawal request based on the predetermined one or a predetermined period of the withdrawal usage limit for the cash withdrawal request received from the merchant terminal 100. In addition, the bank company server 400 may store a cash withdrawal request, a cash withdrawal approval, or a failure description based on the cash withdrawal request received from the merchant terminal 100.

On the other hand, when the merchant terminal 100 receives the cash withdrawal approval response from the bank company server 400, the merchant terminal 100 may display a screen for instructing the cash withdrawing user to pay cash or open the cash deposit box 170 , Then the confirmation process of the cash withdrawal user may be further implemented.

At this time, the bank company server 400 may count the amount corresponding to the cash withdrawal amount information for the transaction for which the cash withdrawal is approved during the cash withdrawal request received from the merchant terminal 100 for a predetermined time, After the lapse of time, the bank company server 400 may transfer money to the account corresponding to the merchant, the merchant, or the merchant terminal 100. Here, the predetermined time may be from 0 hours 0 minutes 0 seconds to 23 hours 59 minutes 59 seconds, or from 8:00 am to 8:00 pm, set by the merchant.

A method of operating a system including an affiliate terminal that provides a cash withdrawal service

6A is a flowchart illustrating steps of an operation method of an agent terminal providing cash withdrawal service according to an embodiment of the present invention.

Hereinafter, each configuration will be described in detail with reference to FIG. 1 to FIG. 5, but a portion overlapping with the preceding description will be replaced thereby, and a detailed description will be omitted.

The operation method of the payment system according to the embodiment of the present invention is such that the merchant terminal 100 transmits a card approval request to the VAN company server 200 and / (S20) of receiving the card acceptance response from the VAN company server 200 and / or the card issuer server 300, and the step A step S300 of the franchisee terminal 100 transmitting the identification information to the bank company server 400 in operation S300 of receiving the identification information from the cash withdrawing user in operation S200, A step S400 of receiving the authentication response from the bank company server 400 by the merchant terminal 100 and a step S500 of performing the cash withdrawal procedure by the merchant terminal 100 / can do.

At this time, the step (S100) of receiving the account information from the cash withdrawing user by the merchant terminal 100 may be further included before the step S200 of inputting the identification information or after the step of receiving the authentication response (S400).

In step S100 of receiving the account information, the merchant terminal 100 receives the account information through the card input through the card reader unit 120 or directly inputs the cash information from the cash withdrawing user through the input unit 161 . According to another embodiment, the merchant terminal 100 may be provided with at least one account information for the user identified from the bank company server 400 when the authentication of the user is successful from the bank company server 400, You can get input to select any one.

FIG. 6B is a flowchart illustrating steps of a cash withdrawal procedure performed by an affiliate terminal that provides a cash withdrawal service according to an exemplary embodiment of the present invention.

The cash withdrawal procedure according to an embodiment of the present invention may include a step S510 of receiving the cash withdrawal amount information from the cash withdrawing user at the merchant terminal 100 as shown in FIG. The bank company server 400 transmits the cash withdrawal request including the amount corresponding to the information and / or the cash withdrawal amount information to the bank company server 400 in operation S520. (S530) when the franchisee terminal 100 receives a cash withdrawal response from the bank company server 400 as a determination result (S530). When the franchisee terminal 100 receives a cash withdrawal success response (S540) a step S540 of outputting a screen for instructing a cash withdrawing user to open a cash deposit box 170 or displaying a screen for instructing the cash withdrawing user to open the cash deposit box 170, (S550) of receiving a confirmation response from a bank company server (400) or receiving a confirmation input directly through the input unit (161) through an authentication process through the authentication unit (130) 100) may update the current discontent (S560).

Computer readable recording medium

The method of operating the merchant terminal that provides the cash withdrawal service according to an embodiment of the present invention described above may be implemented in the form of program instructions that can be executed through various computer components and recorded on a computer readable recording medium . The computer-readable recording medium may include program commands, data files, data structures, and the like, alone or in combination. The program instructions recorded on the computer-readable recording medium may be those specially designed and configured for the present invention or may be those known and used by those skilled in the computer software arts. Examples of computer-readable recording media include magnetic media such as hard disks, floppy disks, and magnetic tape; optical recording media such as CD-ROMs and DVDs; magneto-optical media such as floptical disks; optical media), and hardware devices specifically configured to store and execute program instructions such as ROM, RAM, flash memory, and the like. Examples of program instructions include machine language code such as those generated by a compiler, as well as high-level language code that can be executed by a computer using an interpreter or the like. The hardware device may be configured to operate as one or more software modules for performing the processing according to the present invention, and vice versa.

The preferred embodiments of the present invention have been described in detail with reference to the drawings. It will be understood by those of ordinary skill in the art that various changes in form and details may be made therein without departing from the spirit and scope of the present invention as defined by the appended claims.

Accordingly, the scope of the present invention is defined by the appended claims rather than the foregoing detailed description, and all changes or modifications derived from the meaning, range, and equivalence of the claims are included in the scope of the present invention Should be interpreted.

100: Merchant terminal 110:
120: Card reader unit 130: Personal authentication means
140: communication unit 150:
161: input unit 162: output unit
170: Cash register 200:
300: Card issuer server 400: Bank server server

Claims (20)

A card reader unit for reading card information from a payment card or a cash card;
A personal authentication means for receiving personal identification information from a cash withdrawing user;
An input unit for receiving payment amount information or cash withdrawal amount information from the outside;
A first communication unit for communicating with a card issuer server;
A second communication unit for communicating with the bank server; And
A storage unit for storing cash tangible assets;
A controller for performing a card authorization procedure with the card issuer server, performing an authentication process with the bank company server, or performing a cash withdrawal process with the bank company server when the authentication process is successful;
, ≪ / RTI &
Wherein the first communication unit transmits a card approval request including the card information and the payment amount information to the card company server to perform the card approval procedure or receives a card approval response from the card company server,
Wherein the second communication unit transmits a personal authentication request including the identification information to the bank company server to perform the personal authentication procedure or receives a personal authentication response from the bank company server,
The second communication unit may transmit to the bank company server a cash withdrawal request for withdrawing an amount corresponding to the cash withdrawal amount information to an account corresponding to the cash withdrawing user to perform the cash withdrawing procedure, And a cash withdrawal response is received from the cash server,
Wherein when the cash withdrawal approval response based on the cash withdrawal request is received from the bank company server, the controller subtracts the amount corresponding to the cash withdrawal amount information from the cash amount, updates the cash amount,
Wherein the control unit stores an aggregate amount of money corresponding to the cash withdrawal amount information input through the input unit during a certain business hours from the business start time to the business end time, And predicts the required cash amount of time at the business start time in the next business hours,
Wherein the control unit estimates the required cash amount at the business start time during the next business hours by applying a weight to the total amount of money that has been accumulated for the amount corresponding to the cash withdrawal amount information input through the input unit during the same business hours of the previous year, Wherein the weight is based on a ratio of a composite stock price index average of a certain period including the business hours of the year to a total stock price index average of the same period of last year. The method according to claim 1,
An output unit for providing a screen for inducing cash payment to the merchant when the cash withdrawal approval response is received from the bank company server in response to the cash withdrawal request;
Wherein the cash withdrawal service provides a cash withdrawal service. The method according to claim 1,
A cash storage box having a space for receiving cash and being opened or closed in accordance with a control signal of the control unit;
, ≪ / RTI >
Wherein the controller generates a control signal for opening the cash deposit box when receiving a cash withdrawal authorization response based on the cash withdrawal request from the bank company server. The method according to claim 2 or 3,
Wherein the control unit performs a cash withdrawal completion procedure for receiving a confirmation input from the cash withdrawal user after receiving the cash withdrawal approval response. 5. The method of claim 4,
Wherein the confirmation input of the cash withdrawal completion procedure includes a step of performing the authentication process again. The method according to claim 1,
The account corresponding to the cash withdrawing user,
Wherein the cash withdrawal service is based on account information read from the cash card through the card reader unit or account information received through the input unit. The method according to claim 1,
Wherein the personal authentication means comprises:
A fingerprint reader for reading fingerprint information from the cash withdrawing user, and a camera for reading face, iris or blood vessel information from the cash withdrawing user. The method according to claim 1,
Wherein the input unit comprises:
A first input unit for receiving the payment amount information from an affiliate store; And
A second input unit for receiving the cash withdrawal amount information from the cash withdrawing user;
Wherein the first and second input units are each implemented as a touch screen. The method according to claim 1,
The input unit may be implemented as a single touch screen,
Wherein the one touch screen rotates the touch screen around a rotation axis arranged in the back direction and receives the payment amount information from the merchant point by changing the output screen of the touch screen according to the rotation, And the cash withdrawal amount information is input to the cash dispenser. delete The method according to claim 1,
Wherein,
And if the amount corresponding to the cash withdrawal amount information is less than the cash amount, the cash withdrawal procedure is not performed. delete delete An agent terminal for providing a cash withdrawal service according to any one of claims 1 to 3, 6 to 9, and 11;
The card company server; And
The bank company server;
And a cash dispenser service for providing cash withdrawal services. 15. The method of claim 14,
Wherein the bank company server compares an amount corresponding to the cash withdrawal amount information with respect to a transaction for which cash withdrawal is authorized during a cash withdrawal request received from the merchant terminal for a predetermined period of time, And transfers the money to an account corresponding to the merchant's stock. Transmitting to the card issuer server a card approval request including card information read by the card reader unit from the payment card and payment amount information input by the input unit from the outside; And
Receiving a card authorization response from the card issuer server;
A method of operating an affiliated store terminal,
A step of the principal authentication means receiving the identification information from the cash withdrawal user;
Transmitting a personal authentication request including the identity information to a bank company server;
Receiving a personal authentication response from the bank company server; And
Performing a cash withdrawal procedure with the bank company server when the identity authentication procedure is successful;
, ≪ / RTI &
The step of performing the cash withdrawal procedure comprises:
Receiving cash withdrawal amount information from the cash withdrawing user;
A cash withdrawal request for withdrawing an amount corresponding to the cash withdrawal amount information to an account based on the account information read from the card card by the card reader unit or the account information input through the input unit is transmitted to the bank server step; And
Receiving a cash withdrawal response from the bank company server;
Lt; / RTI >
The storage unit stores the cash liquor;
Further comprising:
When the franchisee terminal receives the cash withdrawal approval response in response to the cash withdrawal request from the bank company server, subtracts an amount corresponding to the cash withdrawal amount information from the cash amount, updates the cash amount,
Wherein the merchant terminal stores an aggregate amount of money corresponding to the cash withdrawal amount information input through the input unit during a certain business hours from the business start time to the business end time, And predicts the necessary cash amount of the business start time at the next business hours,
Wherein the franchisee terminal is configured to estimate a required cash amount at a business start time during the next business hours by applying a weight to an aggregate amount of money corresponding to the cash withdrawal amount information input through the input unit during the same business hours of the previous year, Wherein the weight is based on a ratio of a composite stock price index average of a certain period including the business hours of the year to a total stock price index average of the same period of the same period of last year. 17. The method of claim 16,
Wherein the cash deposit box is opened when receiving a cash withdrawal approval response in response to the cash withdrawal request from the bank company server;
The method of claim 1, further comprising the steps of: 17. The method of claim 16,
Receiving a confirmation input from the cash withdrawing user when the merchant terminal receives a cash withdrawal approval response in response to the cash withdrawal request from the bank company server;
The method of claim 1, further comprising the steps of: delete A computer-readable recording medium having recorded thereon a computer program for executing a method of operating an agent terminal for providing a cash withdrawal service according to any one of claims 16 to 18.
KR1020150098196A 2015-07-10 2015-07-10 Terminal for credit card merchant providing cashing service, system including the same, and method for operating the same KR101605829B1 (en)

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Citations (1)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
JP2007241825A (en) * 2006-03-10 2007-09-20 Nomura Research Institute Ltd System and program for generating atm cash unit replacement plan

Patent Citations (1)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
JP2007241825A (en) * 2006-03-10 2007-09-20 Nomura Research Institute Ltd System and program for generating atm cash unit replacement plan

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