KR101705413B1 - Financial device and financial system - Google Patents

Abstract

A financial system according to an embodiment of the present invention includes a bank host; An administrator terminal device for transmitting check information to be issued to the bank host; A financial instrument in which check information of the check to be issued is stored and the check is stored in one check cassette; And transmitting the check information to the financial device when the number of checks to be issued or the amount of the check to be issued is inputted to receive the check information from the financial device in connection with the one or more check cassettes, And a plurality of gaming terminal units which are approved for the issuance of the check by the bank host, request withdrawal of the check to the financial institution, and register and issue the check acceptance.

Description

FINANCIAL DEVICE AND FINANCIAL SYSTEM [0001]

The present invention relates to a financial instrument and a financial system.

At the window of the financial institution, financial instruments used by the members of the financial institution are installed.

The financial instrument has a function of the staff member to count, deposit or withdraw media, and includes a plurality of deposit and withdrawal cassettes for storing cash or checks for each denomination.

The financial instruments are installed as many as the number of staff members, and each member of the staff performs financial business using his or her own financial instrument.

However, when a financial institution is installed as many as the number of personnel, there is a problem that the space occupies a large amount and the installation cost increases.

Therefore, a method of installing a financial instrument between two members of a staff member and sharing a single financial instrument by two members of the staff member may be considered. In this case, a separate check cassette should be provided for each member of the staff member in order to withdraw the check. If you do not have a check withdrawal service, there may be a problem.

It is an object of the present invention to provide a new financial instrument and a financial system.

Another object of the present invention is to provide a financial instrument and a financial system in which a plurality of staff members can use one check cassette of a financial instrument.

A financial system according to an embodiment of the present invention includes a bank host; An administrator terminal device for transmitting check information to be issued to the bank host; A financial instrument in which check information of the check to be issued is stored and the check is stored in one check cassette; And transmitting the check information to the financial device when the number of checks to be issued or the amount of the check to be issued is inputted to receive the check information from the financial device in connection with the one or more check cassettes, And receives a check from the bank host for approval of the issuance of the check, requests the withdrawal of the check to the financial institution, and allows the check acceptance to be both registered and issued at the same time.

A financial device according to an embodiment of the present invention includes a memory unit storing check information; A check cassette in which a check is kept; And a control unit for controlling the check to be withdrawn from the one check cassette when a check deposit request is transmitted from a plurality of gaming terminal units.

The present invention can provide a new financial instrument and financial system.

In addition, the present invention can provide a financial instrument and a financial system in which a plurality of staff members can use one check cassette of a financial instrument.

FIG. 1 is a schematic view showing a financial device according to an embodiment of the present invention.
2 is a diagram illustrating a financial system according to an embodiment of the present invention.
3 to 6 are diagrams illustrating a check withdrawal method in a financial system according to an embodiment of the present invention.

Hereinafter, some embodiments of the present invention will be described in detail with reference to exemplary drawings. It should be noted that, in adding reference numerals to the constituent elements of the drawings, the same constituent elements are denoted by the same reference numerals whenever possible, even if they are shown in different drawings. In the following description of the embodiments of the present invention, a detailed description of known functions and configurations incorporated herein will be omitted when it may make the difference that the embodiments of the present invention are not conclusive.

In describing the components of the embodiment of the present invention, terms such as first, second, A, B, (a), and (b) may be used. These terms are intended to distinguish the constituent elements from other constituent elements, and the terms do not limit the nature, order or order of the constituent elements. When a component is described as being "connected", "coupled", or "connected" to another component, the component may be directly connected or connected to the other component, Quot; may be "connected," "coupled," or "connected. &Quot;

A financial device according to an embodiment of the present invention may be a financial device that obtains various media such as banknotes, securities (including checks), giro, coins, gift certificates, etc. and processes and / or withdraws such as deposits, Such as processing such as issuance of paper money, release of paper money, release of gift certificate, and the like. Examples of such financial instruments include an automated teller machine (ATM) such as a cash dispenser (CD), a cash recycling machine, and the like. However, the financial instrument is not limited to the above-described example, and may be various devices for automating the financial business such as FIS (Financial Information System).

FIG. 1 is a schematic view showing a financial device according to an embodiment of the present invention.

1, a financial device 10 according to an embodiment of the present invention includes a media inlet 11 for receiving media, a first media outlet 12 for withdrawing media for withdrawal, , And a second medium take-out part (13) in which the medium drawn in through the medium inlet part (11) is drawn out or the poor medium out of the drawn out medium is drawn out.

In this embodiment, the first medium draw-out section 12 and the second medium draw-out section 13 are independently provided, but they may be integrated into one medium draw-out section. It is also possible that the media inlet portion 11 and the first and second media outlet portions 12 and 13 are integrated into one media inlet / outlet portion.

The financial instrument 10 may further include a discriminator 14. The discriminating unit 14 can discriminate the type of the medium or discriminate the defective medium when storing or withdrawing the medium.

The financial instrument 10 may further include a temporary accumulation unit 15 in which the medium is temporarily integrated. The temporary accumulation unit 15 temporarily stores the medium stored through the medium inlet unit 11 in order to deposit the medium in the financial instrument 10 or to supplement the medium in the medium storage unit 20. [ do. The medium integrated in the temporary accumulation unit 15 can be transferred to the medium storage unit 20 to be described later when the storage of the medium is finally determined.

The financial instrument 10 may further include a media storage unit 20 for storing media. The media storage unit 20 may include a plurality of media cassettes 21 to 26.

The plurality of media cassettes 21 to 26 may store a plurality of types of media. For example, checks may be stored in the first media cassette 21, fifty thousand won in the second media cassette 22, 10,000 won in the third media cassette 23, The fifth medium cassette 25 can be stored in the fourth media cassette 24 and the fifth medium cassette 25 is determined to be defective and the recovered medium or the received check can be stored and the sixth media cassette 26 can store the five- Can be stored.

The financial instrument 10 may further include an operation cassette 30. The operating cassette 30 may store media to be supplemented in any one of the media cassettes or media retrieved from any one of the media cassettes.

Although not shown, each of the media cassettes 21 to 26 and the operation cassette 30 may include media separating means for separating the media from the media accumulating means for accumulating the media, and each of the media cassettes and operation Since the structure of the cassette can be realized by a known structure, a detailed description will be omitted.

2 is a diagram illustrating a financial system according to an embodiment of the present invention.

Referring to FIG. 2, the financial instrument 10 is connected to a gaming terminal 30 used by a plurality of genders, and is also connected to a bank host 50. For example, the gaming terminal 30 has two terminals, each of which is connected to one financial instrument 10 by two gaming machines. The bank host 50 is a bank host server, and one bank host is illustrated in the embodiment, but a plurality of bank hosts may be provided for each function.

Store IDs, shop numbers, and machine numbers are registered in advance in the financial instrument 10 and when a taxi driver accesses the financial instrument 10 through the taxonomy terminal 30, The financial device 10 compares and authenticates the store number and the device number registered in advance with the store number and the device number transmitted from the financial device 10, The gaming terminal 30 transmits the ID of the staff member to the financial instrument 10 so that the financial instrument 10 compares the ID of the staff member registered in advance with the ID of the registered member. Through the above-described authentication procedure, the banker can use the financial instrument 10 in conjunction with the bank account management server 30.

On the other hand, when two financial staffs use one financial instrument 10, it is not easy to perform a check withdrawal service by using one withdrawal check cassette (for example, the first media cassette 21). In the conventional method, the manager inputs the check information (the start number and the total number of the check serial number) and the check object before the start of the day's trading and registers the check information directly to the bank host, And stores the check information. That is, the check information to be paid out on the day is registered first when the check is first received from the branch manager, and when the bank host registers the bank account with the accountant's ID. Then, when issuing a check to a customer through a financial transaction, it is approved to be issued to the bank host using the check information stored in the member terminal device, and the check information is sent to the financial device and the check is counted and issued. Then, the check information is updated at the gym terminal apparatus and the financial apparatus.

As described above, in the conventional system, when two financial staff members use one financial instrument, it is impossible to distinguish whether a check loaded in the check cassette is a check among two members of the staff, and thus it is impossible to provide a check withdrawal service.

In other words, in order for the bank to withdraw money from the check, the bank must register the check number and the check number that registers the start number and the number of the check number in the bank host internally. Checks placed on the check cassette can cause checks to be mixed when the check is issued.

Accordingly, in the present invention, the acceptance of the check and the approval of the issuance of the check are made simultaneously, so that the checkers loaded in one check cassette can be withdrawn using a plurality of staff members.

In addition, the start number of the check serial number refers to the smallest number among the check serial numbers written in a plurality of checks having consecutive check serial numbers. For example, if the start number of the check serial number is 12345678 Three checks are checks with check serial numbers 12345678, 12345679 and 12345680, respectively.

For example, the administrator terminal 40 manages the information of the plurality of the gaming terminal devices 30 and the financial instrument 10 to which the administrator terminal device 40 is connected and the important certificate And may be the important certificate administrator terminal device 40.

When the manager inserts the check object for the financial transaction into the financial device 10 or inserts the check object into the financial device 10 through the dispatcher, when the check information of the inserted check is input to the manager terminal device 40, The administrator terminal device (40) transmits the check information to the bank host (50). That is, the bank host 50 stores the check purchase information of the check that is scheduled to be used for each staff member before the start of the transaction on the same day and the purchase information for each check cassette, that is, the total number of checks to be used on that day The start number of the serial number is stored. In addition, the number of checks to be used for each staff member is temporarily registered in the bank host 50. When a plurality of members of the financial institution 10 share a check, the information stored in the bank host 50 at check withdrawal is compared with check information of a check to be withdrawn, , Transactions can be made only within the number of temporarily registered checks, thereby preventing the occurrence of the problem. That is, if a transaction exceeding the number obtained by subtracting the cumulative number of copies from the number of temporarily registered transactions is requested, cumulative withdrawal of accumulated withdrawals can be notified.

In the method of mounting the check physical object on the financial instrument 10, when the check object is manually mounted and the start number and the number of the check serial number of the check are input to the financial instrument 10, The check serial number may be detected by the discrimination unit 14 so that the check serial number or the check start number of the check serial number and the number of sheets are automatically inputted to the financial instrument 10. [

If multiple checks are installed, the check serial number can be sequential, in which case the entire check serial number can be found by entering only the start number and the number of the check serial number of the first check. If the check serial number is not consecutive, the check serial number must be known. If the check serial number is N bundles of consecutive checks, enter the start number and the number of the check serial number for each bundle to find the total check serial number. In this way, the check serial number of all checks is stored in the financial instrument 10 so that the financial instrument 10 can know the check serial number.

It is necessary to check whether the start number of the inputted check serial number matches the start number of the check serial number of the physical check. When the check is carried out, the financial instrument 10 returns the check to the discriminator 14 Check the start number of the check serial number. If the start number of the inputted check serial number does not match the start number of the check serial number discriminated by the discrimination unit 14, the check information is not set in the financial instrument 10.

The check information is input to the financial instrument 10 and stored in the memory unit of the financial instrument 10 or may be stored in the memory of the machine terminal 30 ) To be input to the financial instrument 10 and stored in the memory unit.

When each bank member desires to withdraw a check, the financial institution 10 inputs only the number of checks to the bank account unit 30 and sends the check number to the bank account 10, To the groom terminal device (30). For example, when three withdrawals are input to the gaming terminal 30, the financial instrument 10 transmits three pieces of information with a start number of 12345678 in the check serial number.

When the dispatcher confirms the dispensing check information, the dispatcher 30 transmits the check information to the bank host 50 and receives approval for dispatch. At this time, the check acceptance for the check and the approval for the issuance are both made at the same time.

That is, the checkpoint information is transmitted to the bank host 50 while the gaming terminal 30 transmits the check information (the start number of the check serial number and the check number) sent from the financial device 10 to the bank host 50 And the bank host 50 compares the check information stored by the member and the check cassette stored before the start of the business with the check information transmitted from the member terminal 30, When approval for the check is transmitted to the kiosk terminal 30, both the check acceptance of the check for the check and the check issuance approval for the approval request of the check issuance of the staff member are made at the same time. In other words, it is checked whether the total number of transactions exceeded the number of copies or the total number of transactions that have been traded so far compared with the number of temporary registered transactions registered before the transaction on the same day, and if there is no problem, the check information The start number and the number of checks), and the accumulated transaction amount is stored.

When the banknote terminal 30 receives approval from the bank host 50, the banknote terminal 30 transmits the check information (the start number of the check serial number and the number of checks) to the financial instrument 10, . Then, the financial instrument 10 and the clerk terminal device 30 update the check information including the check remaining amount.

Also, the manager terminal device 40 updates the check information including the check remaining amount. The manager terminal 40 is connected to the financial institution 10 and the clerk terminal device 30 to update information such as the number of checks held by each staff member and the number of checks attached to each check cassette in the database, And can manage and control the financial device 10 and the hill side terminal device 30 through the administrator terminal device 40. [ The manager terminal 40 can be connected to a plurality of financial devices 10 and a groom terminal device 30 to manage the entire check at the corresponding point. Since check is a major certificate, check can be smoothly performed by managing the checks of financial instruments managed by the branch office or the manager as a whole.

On the other hand, in the process of withdrawing check money from each member, unlike the prediction before the start of the business, the check is excessively withdrawn, so that the check attached to the financial device 10 before the start of the business may be insufficient. For example, if A and B members are using together a financial instrument (10) with a check cassette, A has 100 checks before the commencement of work, and B has 200 checks If A and B members withdraw 100 checks each, A can no longer withdraw the checks. In this case, Mr. A may deliver / accept checks / checks with the member of staff for additional check withdrawal. In this case, check information does not need to be delivered / received, but only the number of checks delivered / delivered.

The check delivery / receipt between A and B staff members is sent to the staff member terminal 30 of the member B of the staff member B from the member terminal 30 of the member A at the request of the member A, Or approval may be required. In addition, the check delivery / acceptance between A and B may require approval or approval from the administrator terminal 40. [ Also, the check delivery / acceptance between A and B may require consent or approval from the bank host (50). Also, check delivery / acceptance between A and B may require approval or approval of each of the administrator terminal 40 and the bank host 50.

If there is no change in the total number of copies but only the purchase information between the respective members is changed, the bank host 50 can change and register the temporarily registered check purchase information have.

For example, when the withdrawal of five checks is input to the gaming terminal 30 by the gaming agent A, and the number of checks available to the gaming agent A is three, Because it is not enough, it is possible to deliver / receive some of the checks available to Mr. B who have room. Accordingly, after completing the consent or approval by the bank host 50 and / or the manager terminal 40 by proceeding with the delivery / delivery of the lead-in, the financial instrument 10 transmits the check information And can make withdrawal transactions.

The gaming terminal 30 transmits the check information to the bank host 50 and is approved for issuance. At this time, the check acceptance for the check and the approval for the issuance are both made at the same time.

3 to 6 are diagrams illustrating a check withdrawal method in a financial system according to an embodiment of the present invention.

Referring to FIG. 3, the administrator terminal 40 transmits the check information (number of copies of each staff member and start number of the check serial number) to the bank host 50 to be used by each staff member (S100).

Then, the physical check is mounted on the financial instrument 10 and the check information of the check is registered in the financial instrument 10 (S110).

When the check withdrawal service is started, the check amount (or the number of sheets) is inputted from the reed dispenser terminal 30, and the reed dispenser 30 inquires of the financial instrument 10 about the start number and the number of the check number . For example, as shown in FIG. 4, when there are 30 check withdrawal requests from the bank A, the control unit of the financial device 10 loads the check information stored in the database, that is, the database, And confirms the start number of the check serial number and the number of checks, and transmits the check number to the gaming terminal 30. (S120) (S130) Then, as shown in FIG. 5, the start number and the number of the check serial number are displayed on the kiosk terminal 30 (S140).

On the other hand, since there are only 20 checks of the A-member, the member of the A-member has a check of the inter-member check in the member terminal 30 of the B-member who is using the check cassette of the same financial instrument together through the member terminal 30 Let the request be delivered. As described above, since only the purchase information of check delivery / check of checks is available, the staff member terminal 30 of the staff member A transmits 10 pieces of request for delivery of the guidance to the staff member terminal 30 of the staff member of the staff member B. In the interim inter-company check / delivery, the check amount (or the number of sheets) is input to the cash dispenser terminal 30 of the cashier A, and the inquiry is made to the financial instrument 10 for inquiring the start number and the number of the check serial number . The manager can check how much of his / her check has been left in the process of withdrawing the check. If there is a shortage of the check, the manager can preliminarily deliver / receive the check between the members.

When the inter-cabin check is delivered / received, the dispatcher confirms the start number and the number of the check serial number, registers the check argument to the bank host 50 via the cash dispenser terminal 30, (S150). The bank host 50 compares the check information registered by the registered member and the check cassette before the start of the business with the check information transmitted from the member terminal 30 to confirm that the approval is made, When it is transmitted to the gaming terminal 30, the check of the checker for the check is also registered and the check issuance approval for the check issuance approval request is performed at the same time.

When the approval of the check issuance is made from the bank host 50, the gaming terminal 30 transmits a check issuance request to the financial device 10 (S160) (S170).

The control unit of the financial device 10 withdraws the check according to the check issuance request. At this time, the discrimination unit of the financial instrument 10 performs MICR (Magnetic Ink Character Recognition) verification of the check to be withdrawn, and checks the check information received by the reefer terminal 30 and the check It is checked whether or not the information is the same to prevent the check from being erroneously discharged (S180).

As described above, in the financial apparatus and the financial system according to the present invention, there is an advantage that a plurality of members can use a single financial instrument to perform a check withdrawal service.

While the present invention has been described in connection with what is presently considered to be the most practical and preferred embodiment, it is to be understood that the invention is not limited to the disclosed embodiments. That is, within the scope of the present invention, all of the components may be selectively coupled to one or more of them.

In addition, although all of the components may be implemented as one independent hardware, some or all of the components may be selectively combined to perform a part or all of the functions in one or a plurality of hardware. As shown in FIG. The codes and code segments constituting the computer program may be easily deduced by those skilled in the art. Such a computer program can be stored in a computer-readable storage medium, readable and executed by a computer, thereby realizing an embodiment of the present invention. As the storage medium of the computer program, a magnetic recording medium, an optical recording medium, a carrier wave medium, or the like may be included.

Furthermore, the terms "comprises", "comprising", or "having" described above mean that a component can be implanted unless otherwise specifically stated, But should be construed as including other elements. All terms, including technical and scientific terms, have the same meaning as commonly understood by one of ordinary skill in the art to which this invention belongs, unless otherwise defined. Commonly used terms, such as predefined terms, should be interpreted to be consistent with the contextual meanings of the related art, and are not to be construed as ideal or overly formal, unless expressly defined to the contrary.

The foregoing description is merely illustrative of the technical idea of the present invention, and various changes and modifications may be made by those skilled in the art without departing from the essential characteristics of the present invention. Therefore, the embodiments disclosed in the present invention are intended to illustrate rather than limit the scope of the present invention, and the scope of the technical idea of the present invention is not limited by these embodiments. The scope of protection of the present invention should be construed according to the following claims, and all technical ideas within the scope of equivalents should be construed as falling within the scope of the present invention.

10: financial instrument 30: casualty terminal device 40: manager terminal device 50: bank host

Claims (12)

Bank host;
A financial instrument that stores the to-be-issued check in one check cassette and stores the check information of the to-be-issued check;
An administrator terminal device that transmits check information of the check ticket to the bank host before the withdrawal transaction of the financial device; And
And a plurality of gaming terminal devices connected to the financial equipment and sharing the one check cassette,
The financial device,
When the check withdrawal transaction is requested from any one of the plurality of hospital room terminal apparatuses, a request for registering and issuing a check argument of the issued check issued according to the check withdrawal transaction to the bank host, Transmits the check information of the issue check to the server,
The check withdrawal transaction,
A check amount of the issue check or a check amount,
The check information of the issue check includes:
The start number of the check serial number for the issue check and the number of checks. delete The method according to claim 1,
The check information of the scheduled-
And a start number of a series of checks to be issued temporarily registered in each of said plurality of source terminal devices. The method according to claim 1,
The financial device,
Wherein the start number and the check number information of the check serial number are stored when the scheduled issuance check is manually stored and the check serial number is stored when the scheduled issuance check is automatically stored. 5. The method of claim 4,
The financial device,
And checks whether or not the check serial number of the to-be-issued check is manually stored if the to-be-printed check is manually stored in the one check cassette to check whether or not the check serial number matches the stored check serial number. The method according to claim 1,
Wherein the plurality of hospital gymnasium terminal apparatuses are two gymnasium terminal apparatuses,
The financial device,
And a cash dispenser, wherein the cash dispenser is interlocked with the two cash dispenser terminals and performs cash deposit / withdrawal and check dispatch. The method according to claim 1,
The financial device,
The withdrawal transaction is performed according to whether the number of checks of the issue check exceeds the total number of checks of the scheduled issuance checks temporarily registered in any one of the gaming terminal devices , Or a financial system that announces that withdrawals can not be traded. The method according to claim 1,
The financial device,
A check issuance request in which the registration and issuance approval of the issuance check of the issuance check is completed is transmitted from the bank host when the check withdrawal transaction is requested and the check issuance of the issuance check is received from the bank host, The withdrawal transaction of the issuance check is executed if the total number of checks of the issuance check is not exceeded. A memory unit in which check information of a check to be issued is stored;
One check cassette in which the to-be-issued check is stored; And
And a control unit for controlling the withdrawal of the issue check from the one check cassette when a check withdrawal transaction is requested from any one of the plurality of river terminal devices,
Wherein,
The check acceptance of the issuance check is also sent to the bank host when the check withdrawal transaction is requested and the check information of the issuance check requesting the registration and issuance approval of the issuance check is transmitted from the bank host, When the check issuance request is transmitted, controlling the issuance check to be withdrawn from the one check cassette, and when the check number of the issuance check exceeds the total number of checks of the issuance check registered temporarily by any one of the hill- The control unit controls the issuance check to be withdrawn. delete 10. The method of claim 9,
Further comprising a discrimination unit for discriminating a start number of the check serial number of the issued check,
Wherein,
And judges whether or not the start number of the check serial number discriminated by the discriminating unit matches the start number of the check serial number inputted by the plurality of rower terminal units. 12. The method of claim 11,
Wherein,
And checks whether the check information of the issued check to be actually dispensed discriminated by the discrimination unit matches the check information of the issued check issued from the bank host.

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