KR101965856B1 - Financial device and controlling method thereof - Google Patents

Abstract

The present invention relates to a financial instrument and a control method thereof, and a financial instrument according to an embodiment of the present invention includes a user interface for displaying information for a financial transaction or inputting a user selection; A program storage unit for storing a plurality of preset bank programs, respectively; And a plurality of bank programs stored at startup of the financial device, and when the bank is in a transaction waiting state of at least one bank program among the plurality of bank programs, And a controller for performing a financial transaction by providing a user interface screen according to a bank program of the selected bank when one of the bank information is selected.

Description

FIELD OF THE INVENTION [0001]

The present invention relates to a financial instrument and a control method thereof.

Conventionally, financial instruments installed at each bank branch are devices used by the concerned bank alone and operate in accordance with the business program of the relevant bank.

However, when these financial instruments are used by other bank customers, the user interface screen for each bank is different. Therefore, in addition to the simple financial business (eg, inquiry, withdrawal and transfer) using the financial joint network, Was not available. In addition, other banks' customers incurred inconveniences in handling simple financial transactions.

On the other hand, financial instruments of Value Added Network (VAN) companies, which are conventionally installed in each subway or convenience store, can perform financial operations according to a plurality of financial institutions.

However, since such a financial instrument is a financial instrument developed by VAN, it does not provide a unique user interface for each financial institution, but provides a common user interface to provide a user with a unique user interface screen You can give. In addition, each time a bank upgraded or upgraded its financial services program, development costs were incurred to meet the details of the financial transaction service program with financial institutions developed by each bank and VAN. In addition, an additional fee was incurred because the intermediary service between each bank and the customer was performed through the VAN company.

It is an object of the present invention to provide a financial apparatus and a control method thereof that are capable of financial transactions with a plurality of banks but can provide a customer with a unique user interface screen for each bank to perform financial transactions.

A financial device according to an embodiment of the present invention includes a user interface for displaying information for a financial transaction or inputting a user selection; A program storage unit for storing a plurality of preset bank programs, respectively; And a plurality of bank programs stored at startup of the financial device, and when the bank is in a transaction waiting state of at least one bank program among the plurality of bank programs, And a controller for performing a financial transaction by providing a user interface screen according to a bank program of the selected bank when one of the bank information is selected.

According to another aspect of the present invention, there is provided a method for controlling a financial instrument, including: executing a plurality of bank programs preset at startup of a financial instrument; Displaying bank information on which a financial transaction is possible when the bank is in a transaction waiting state by the at least one bank program among the plurality of bank programs; And providing the user interface screen according to the bank program of the bank selected or recognized by the insertion when one of the displayed bank information is selected or a card or bankbook of the corresponding bank is inserted.

According to the present invention, a financial instrument can perform a financial transaction with a plurality of banks, but can provide a unique user interface screen to a customer to perform a financial transaction.

Other effects according to the present invention will be further described with reference to the following embodiments.

1 is a perspective view schematically showing a financial instrument according to an embodiment of the present invention.
2 is a block diagram schematically illustrating a configuration of a financial device according to an embodiment of the present invention.
3 is a conceptual diagram for explaining a program driving process according to an embodiment of the present invention.
4 is a view for explaining a concept of providing a connection environment of a financial instrument and a user interface for each bank.
5 is a diagram illustrating a financial transaction process according to a bank program according to another embodiment of the present invention.
6 is a flowchart illustrating a method of controlling a financial instrument 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 symbols as possible even if they are shown in different drawings. In the following description, well-known functions or constructions are not described in detail since they would obscure the understanding of the embodiments of the present invention.

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;

1 is a perspective view schematically showing a financial instrument according to an embodiment of the present invention.

Referring to FIG. 1, a financial instrument 100 according to an embodiment of the present invention may include a medium processing apparatus for processing a medium.

The financial instrument 100 may further include a customer information obtaining unit for obtaining customer information.

The customer information acquiring unit may include a passbook processing module 114 for allowing passbooks to be input and output and recognizing passbooks. Alternatively, the customer information obtaining unit may include a card processing module 115 for allowing the card to be input / output and recognizing the card.

In this embodiment, there is no limitation on the type of the customer information obtaining unit, and it is also possible to acquire the information recorded in the short distance communication, the RFID tag or the USB, or obtain the customer information by using the biometric information such as the fingerprint.

The financial instrument 100 may further include a user interface 111 capable of displaying a menu and information for depositing or withdrawing money and inputting or selecting a command or information for depositing or withdrawing money.

The financial instrument 100 may further include a control unit (not shown) capable of controlling the media processing apparatus and the customer information obtaining unit or the user interface 111 of the financial instrument. In this case, the control unit may include a media processing apparatus control unit for controlling the media processing apparatus, and a financial apparatus control unit for controlling the financial apparatus.

The media processing apparatus may include an upper module and a lower module. The upper module may be removably connected to the lower module or may be movably connected to the lower module. Or the upper module and the lower module may be kept in a contact state without being connected to each other.

The media processing apparatus may include a media input / output module (112, 113) for input / output of a medium.

The media input / output modules 112 and 113 may include a media storage space accessible by a customer, and the media storage space may be opened and closed by a closure member such as a shutter and / And may sometimes remain open without being opened or closed. The media storage space may be partitioned into a plurality of storage spaces by a partition member.

The media input / output modules 112 and 113 can serve as a common input / output unit through which a plurality of types of media, such as banknotes, checks, and gift vouchers, can be input and output. The media can be input into the media input / output modules 112 and 113 in units of a bundle or a bundle. In addition, the media may be ejected to the media entry / exit module 112, 113 in a sheet or bundle basis.

Alternatively, a draw-in space in which the media is drawn in the media input / output modules 112 and 113 and a draw-out space in which the media is drawn out can be distinguished. Alternatively, the media input / output module may include an independent media entry module and a media extraction module.

The media processing apparatus may further include a discrimination module (not shown). The discrimination module can identify the denomination, the thickness, the amount of the denomination of the medium or the defective medium in the deposit transaction process and the withdrawal transaction process of the medium.

The medium processing apparatus may further include a temporary accumulation module for temporarily accumulating the medium.

The temporary integration module may temporarily integrate the media received through the media input / output modules 112 and 113 when the customer intends to deposit the medium into the financial instrument.

The medium integrated in the temporary integration module may be transferred to a media storage section which will be described later when the customer finally decides to store the medium. Alternatively, the temporary integration module may temporarily collect the medium to be transferred to the medium entry / exit module.

The medium processing apparatus may further include a medium storage section for storing the medium. The media storage unit may include a plurality of media storage modules 116.

The plurality of media storage modules 116 may include one or more bill storage modules and one or more check storage modules. In this specification, the number of the bank note storage module and the check storage module is not limited. As another example, it is also possible that the media storage unit includes only a banknote storage module or a check storage module. Alternatively, the plurality of media storage modules may include a storage module for storing gift certificates, securities, tickets, and the like. Alternatively, the check storage module can be replaced by a storage module that stores gift certificates, securities, tickets, and the like.

The media processing apparatus may further include a replenishment recovery module (not shown) for replenishing or recovering the medium. In the replenishment recovery module, one or more of the medium to be supplemented to the medium storage portion and the medium recovered from the medium storage portion may be stored.

The media processing apparatus may further include a collection module (not shown). In the recovery module, a medium determined to be a defective medium may be recovered in at least one of a process of depositing a medium, a process of withdrawing the medium, a process of supplementing the medium, and a process of recovering the medium. In other words, a medium which has been taken out to the medium entry / exit module but has been tried by the customer and / or which is judged as a bad medium in the discrimination module or a medium which is not recognized in the discrimination module may be accommodated. In addition, the media processing apparatus may further include a deposit check collection space in which the deposit check transferred from the media entry / exit module is collected when the financial instrument includes a check insertion / withdrawal function. At this time, the deposit check may be recovered by separating the check issued by the bank operating the financial institution from the check issued by another bank. The deposited check collection space may be configured as a separate module from the collection module, or may be divided into the divided spaces in the collection module. The collection module and / or the check collection space may be located at the rear end of the financial instrument so that the manager or manager can open the door to easily access the collection module and / or the check collection space.

Such a medium processing apparatus may include a transfer module for transferring a medium to be deposited or a medium to be discharged for withdrawal to respective modules.

Examples of the financial device according to the present invention may include an automatic teller machine (ATM) such as a cash dispenser (CD), a cash recycling device, and the like. However, the financial instrument is not limited to the above-described example, and may be a device for automating financial business such as FIS (Financial Information System).

Next, a financial instrument according to an embodiment of the present invention will be described with reference to FIG. 2 is a block diagram schematically illustrating a configuration of a financial device according to an embodiment of the present invention.

2, the financial apparatus 200 according to the present invention includes a media input / output unit 210, a user interface 220, a media storage unit 230, a program storage unit 240, and a control unit 250 .

The media input / output unit 210 is a media input / output module for depositing or withdrawing a medium.

The user interface 220 is a configuration for displaying information for financial transactions or inputting a user selection. The user interface 220 can display menus and information for depositing or withdrawing as a unique user interface screen for each bank, Command or information can be input or selected.

The medium storage unit 230 is configured to store the medium, and a plurality of medium storage modules can be provided and can be stored for each type of medium.

The program storage unit 240 is a storage unit storing a plurality of preset bank programs.

Here, each bank program is a bank-specific program designed to provide financial transaction services. Each bank program provides its own unique user interface screen, enabling customers to conduct financial transactions such as deposits, withdrawals, transfers, and special banking services by banks And the like. Alternatively, each bank program may act as a module controlled by the control unit 250.

The control unit 250 controls the media input / output unit 210, the user interface 220, the media storage unit 230, and the program storage unit 240, and stores a plurality of bank programs (For example, sequentially executed), and when the bank is in a transaction waiting state of at least one bank program among a plurality of bank programs, the bank information capable of financial transactions is displayed on the user interface, and one of the displayed bank information A user interface screen according to the bank program of the selected bank may be provided to control the financial transaction to be performed.

In addition, the financial device 200 according to the present invention may further include a customer information acquisition unit 260 controlled by the control unit 250. The customer information acquiring unit 260 can enter and recognize at least one of a passbook or a card to acquire customer information and corresponding bank information. At this time, when the bank information is displayed on the user interface, the control unit 250 provides a user interface screen according to the bank program of the bank recognized by the insertion of the card or bankbook of the corresponding bank, have.

The financial device 200 may be connected to a plurality of bank servers through a virtual private network (VPN).

Meanwhile, in order to facilitate the understanding of the invention, the present invention represents 'bank' as a financial institution, and it goes without saying that various financial institutions such as insurance companies and securities companies can be applied in addition to banks.

As an example, when a plurality of bank programs are executed, the control unit 250 may respectively connect to corresponding bank servers in accordance with execution of a plurality of bank programs, and periodically receive financial transaction availability information from each of the bank servers have. If the financial transaction impossibility information is received as the financial transaction availability information, bank information that is not financial transaction can be displayed together with the bank information when the bank information is displayed on the user interface 220. Alternatively, when financial transaction incapacity information is received from all bank servers as financial transaction availability information, when displaying bank information in the user interface 220, until the financial transaction enablement information is received again from at least one bank server, It is possible to display a predetermined financial transaction-impossible screen.

As another example, when each of the bank programs is accessed according to the execution of a plurality of bank programs, the control unit 250 checks whether or not the latest version of the update information exists for each bank server. If the latest update information exists, .

As another example, when performing a financial transaction, the control unit 250 may display the bank information that can be financially dealt again on the user interface when there is no user input for a predetermined time or when the execution of the financial transaction is completed.

Alternatively, when performing a financial transaction, the control unit 250 checks the financial transaction process error of the corresponding bank program during the execution of the financial transaction. If a failure occurs, the control unit 250 provides the user interface screen again after the financial transaction is stopped, Can be displayed on the user interface.

As another example, the control unit 250 may display the bank information that can be financially traded on the user interface by using a module (for example, a media storage unit 230, a media input / output unit 210, a user interface 220, the customer information obtaining unit 260, and the like), and periodically check the status of communication with each bank server. If a fault occurs in the module set in the financial device, the fault-free transaction screen is displayed and fault information generated in at least one of the bank server and the designated administrator terminal can be transmitted.

Next, a description will be given of a plurality of bank program driving processes in a financial device according to an embodiment of the present invention. 3 is a conceptual diagram for explaining a program driving process according to an embodiment of the present invention.

First, the control unit 250 executes a plurality of bank programs 240 preset at the time of initial startup of the financial instrument and programs 231 and 261 for activating the respective modules. Here, the programs 231 and 261 for starting each module may be included in the main program of the control unit 250. [

For example, when each bank program 240 has been executed and is in a transaction waiting state, banks that can select from the respective bank programs, that is, financial transactions are displayed on the user interface, Wait for insertion of a card (or passbook).

If some of the bank programs are unavailable due to the convenience of the bank, the control unit (main program) notifies the control unit of the situation that the bank can not be selected and that the financial transaction is not possible for the bank.

Alternatively, when the financial instrument is a machine operation such as opening a door by a clerk or a situation in which a transaction can not be performed by the operation of a staff member, a predetermined financial transaction disallowed screen is displayed on the user interface and waits, When it is in a standby state, it displays the banks that are capable of financial transactions in the user interface. In addition, when an operation such as opening a door previously set for a financial device is performed, the control unit can transmit the corresponding operation information to a preset management company for security.

If the A bank is selected from the user interface by the customer, the A bank program is executed to display the customer screen as a unique user interface screen of the corresponding bank, and financial transactions are performed according to operations such as user selection. At this time, when the financial transaction is terminated, the control unit (main program) 250 notifies the end result to the bank selection screen, and waits for the input of the user. At this time, if a failure occurs during the execution of the financial transaction according to the bank A, the control unit 250 moves to the bank selection screen after the failure processing.

For example, while the A bank program is proceeding with the transaction, the control unit 250 may proceed with the process check of the bank program according to the main program. Here, the main program is a program provided in the control section and is an upper program for controlling each bank program and each module program in the financial apparatus. If the process does not satisfy the set criteria, the process is judged to be a failure by the A bank program, and the corresponding financial transaction is terminated according to the predetermined process, and a set screen is provided and a follow-up action have.

In addition, the control unit 250 executes the module program of each module including the media storage unit 230 during the bank selection waiting time, and performs a status check and a failure check. When the bank selection is performed, the control unit 250 stops the corresponding check.

On the other hand, each bank program 241 is actually the same program as the program used by each bank, and some functions for compatibility with the main program of the control unit may be added. Since each of these bank programs is basically the same as the program of the corresponding bank, the types of transactions, the way of proceeding transactions, and the user interface screen are the same. Accordingly, development of a bank program for each bank does not require additional development work such as development of a program for a separate financial instrument, thereby reducing development costs.

Each bank program activated by the control unit is connected to each corresponding bank server through a virtual private network (VPN). At this time, the banking process can be carried out using the encryption and key exchange methods used by each bank.

In addition, each bank program informs the control unit that transactions are possible when the banking process is completed, and waits in a transaction waiting state. Each bank program can periodically check the status of communication with each bank server during the transaction waiting state.

Also, when the bank program is called according to the bank selection, the status of each module in the financial device is checked to display possible transactions, and the transaction is performed in the same manner as a transaction in a real bank. If the transaction is completed, the bank program informs the control unit that the transaction is completed, and waits for the transaction to wait again.

For example, a deposit / withdrawal program (e.g., Cash.exe) 231 is a program for managing the media storage unit (media entry / management and archived media management, etc.) and is activated by the control unit and then operated in cooperation with each bank program . The customer information acquisition program Card.exe 261 is a program for managing the customer information acquisition unit 260 (card insertion, return management, card recognition management, etc.) And can operate in conjunction with each other. Here, the deposit / withdrawal program and the customer information acquisition program may be directly stored in each module or included in the main program of the control unit.

As another example, when performing a financial transaction, the control unit 250 may determine whether or not the withdrawable amount and the withdrawable amount of the withdrawable money are different according to the type of the stored money, It can be judged.

For example, in the management of the bank by bank, it can be managed by the collective cash entrusting company and made available for settlement with each bank. For example, according to a specific contract, the exclusive use of each bank can be managed. If 10 million won out of 20 million won kept in the financial device is set as A bank only, A bank can freely conduct deposit and withdrawal transactions with customers only for 10 million won. However, if all of A $ 10 million in withdrawal transactions is withdrawn from A bank, no further withdrawals will be made, and if there is a transaction to be deposited into A bank, the withdrawal may be settled as much as the corresponding transaction. In addition, the rest of the banks can share the remaining KRW 10 million of the KRW 20 million to carry out transactions of deposit and withdrawal.

Or, as another example, each bank can register and manage each bank of its own. For example, Bank A registers 100,000 won and 500,000 won, and Bank B can register 1,500 won. In this case, the bank A can withdraw fifty thousand won, but the bank B can not withdraw fifty thousand won. In other words, each bank can change the registration of its logical cash reserves according to the deposit and withdrawal transactions of each bank program, and if there is cash in the media repository but no allowable amount for that bank, for example, A bank program is deemed to be in a non-withdrawable state if all 100 denominations and 500 denominated bonds are withdrawn from the A bank program. In addition, the deadline for each bank can be closed and withdrawn according to the remaining funds of each bank. Accordingly, even if the bank A is in a non-withdrawable state, the remaining bank customers can use the withdrawal service.

In the present invention, a bank program or the like waits as a transaction waiting state means that the program stands by in a memory managed by the control unit without executing the program.

Next, a concept of providing a connection environment of a financial instrument and a user interface for each bank will be described with reference to FIG. 4 is a view for explaining a concept of providing a connection environment of a financial instrument and a user interface for each bank.

As shown in FIG. 4, when the controller 200 activates a plurality of bank programs, the plurality of bank programs respectively attempt to access the bank server 300 of the corresponding bank. At this time, financial instruments can be connected to each bank through a virtual private network (VPN). At this time, the encryption and key exchange methods are respectively performed according to the method designated by each bank.

At this time, the control unit 250 displays banks capable of financial transactions in the user interface 220, and waits for selection of the corresponding bank. If the B bank is selected by the customer, the B bank's idle screen is provided as the user interface screen according to the bank program of the selected B bank. For example, on the idle screen of bank B, selectable items such as inquiry, withdrawal, deposit, service, transfer, bankbook, giro, etc. are displayed. If the customer card is inserted through the customer information acquisition unit 260 before the bank selection, the corresponding bank is selected according to the issuing bank of the card, and a user interface screen is displayed according to the corresponding bank program. Also, when the card is inserted, the issuing bank of the card displays a bank selection screen together with a guidance screen indicating that the transaction is impossible or has not been contracted, and returns the card. Accordingly, the customer can conduct financial transactions in accordance with the same user interface as the dedicated financial instrument of each bank.

Next, a withdrawal process according to the present invention will be described with reference to FIG. FIG. 5 illustrates a financial transaction process according to a bank program according to an embodiment of the present invention. Referring to FIG.

As shown in FIG. 5, if Bank B is selected on the bank selection screen, each of the remaining bank programs 241-5 periodically executes a communication status check with the corresponding bank server 300 during the transaction waiting state.

On the other hand, the selected B bank program 241-3 provides a user interface screen according to the B bank program, and checks the status of each module in the financial device to determine whether a specific transaction is possible or not. If the customer selects the withdrawal transaction in accordance with the B bank program, the customer receives the money selection and the password according to the set user interface screen. At this time, the bank program B creates a withdrawal message of the type of bank B, transmits it to the bank server B for approval, receives the approval from the bank B server, proceeds the withdrawal of the requested amount, Display the output in the specified format and cancel the transaction. If the transaction is approved and the withdrawal is completed, the transaction ends and the bank selection screen is displayed again.

Next, a method of controlling a financial instrument according to an embodiment of the present invention will be described with reference to FIG. 6 is a flowchart illustrating a method of controlling a financial instrument according to an embodiment of the present invention.

As shown in FIG. 6, the banking device control method according to the present invention first executes a plurality of bank programs preset at startup of the financial device (S10). Then, if at least one bank program among the plurality of bank programs is in a transaction waiting state of the corresponding bank, the bank information capable of financial transactions is displayed on the user interface (S20). Then, when one of the displayed bank information is selected or a card or bankbook of the corresponding bank is inserted, a user interface screen according to the bank program of the bank selected or inserted is recognized (S30). Then, the corresponding bank program is driven according to an operation on the provided user interface screen to perform a financial transaction (S40).

According to the present invention as described above, operational efficiency can be increased. Specifically, the service of all the banks affiliated with one financial instrument, that is, the dependent services of the financial instrument of a specific financial institution, can be performed. In this case, since the existing bank programs are all imported, the development cost corresponding to the financial instrument is not required to be developed. In the case of financial instruments other than banking sites, it is possible to apply the existing cash transfer method and the external security company entrustment method as they are. In addition, in the case of a specific contract with a bank, each bank can keep cash as much as desired, that is, manage contracts, and manage the facilities. For example, if each bank replenishes its cash, it can manage the amount of money left over from each bank transaction and deadline within the supplemented amount to be recoverable.

Further, according to the present invention, it is possible to reuse existing services. Specifically, a plurality of banks are simultaneously serviced by a single financial device, but since they are individually connected to each bank server according to a plurality of bank programs, it is possible to update business programs, advertisements, customer guidance messages, and the like in real time. In addition, functions such as personalized advertisement output required by each financial institution according to the customer can be used without any additional development. In addition, since each bank provides its own user interface screen provided by each bank-dedicated financial instrument, confusion of customer transactions can be prevented.

Further, according to the present invention, the convenience of the customer can be increased. Specifically, if a customer needs to perform financial services for several different banks, it can be processed in one place without movement.

Further, according to the present invention, it is possible to provide a difference from the conventional VAN company's financial transaction service. Specifically, in the case of a conventional VAN company, one financial instrument is affiliated with one bank and used for a fee. However, the financial instrument according to the present invention can be used to create profitability have. In addition, in order to establish a brand association with a conventional VAN company, a new development (for example, a bank and a VAN company relay server, a financial instrument affiliation program, etc.) corresponding to the bank is required in conformity with the VAN company. However, The above-mentioned development is not required. Also, in the case of VAN, there are a lot of management items according to the brand alliance contract, but the present invention is flexible to add and remove each bank program according to the contract.

Further, according to the present invention, it is possible to reduce the cost of the bank. Specifically, each bank can operate like a financial institution of a bank without purchasing a financial instrument directly, thereby improving customer service and reducing costs.

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.

Also, the terms "comprises", "comprising", or "having" described above mean that a component can be implanted unless specifically stated to the contrary, But should be interpreted to include additional components. 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.

200: financial instrument 210: media input /
220: user interface 230: media storage
240: Program storage unit 250: Control unit
260: customer information acquisition unit 300: bank server

Claims (14)

In a financial instrument,
A user interface for displaying information for a financial transaction or inputting a user selection;
A program storage unit for storing a plurality of preset bank programs, respectively; And
Wherein the banking information management server executes the plurality of bank programs stored at startup of the financial device, displays banking-enabled bank information on a user interface when the banking program of at least one of the plurality of banking programs becomes a transaction waiting state of the corresponding bank, And a controller for performing a financial transaction by providing a user interface screen according to the bank program of the selected bank when one of the displayed bank information is selected,
Wherein the control unit registers and changes settlement information associated with a bank traded on the user interface screen when performing the financial transaction. The method according to claim 1,
Wherein the control unit connects each of the plurality of bank programs to a corresponding bank server in accordance with execution of a plurality of bank programs at the time of execution and periodically receives financial transaction availability information from each bank server. The method of claim 2,
Wherein the control unit checks the presence or absence of update information of the latest version for each bank server when accessing the corresponding bank server according to the execution of the plurality of bank programs, . The method of claim 2,
Wherein the control unit displays bank information that is not financial transactionable when displaying the bank information when the financial transaction incapable information is received as the financial transaction availability information. The method of claim 2,
When the financial transaction incapability information is received from all the bank servers as the financial transaction availability information, the control unit displays the bank transaction information from the at least one bank server, A financial instrument that displays a non-financial transaction screen. The method according to claim 1,
Wherein the control unit displays the bank information capable of performing the financial transaction again on the user interface when there is no user input for a predetermined period of time when the financial transaction is performed or when the execution of the financial transaction is completed. The method of claim 6,
Wherein the control unit checks the financial transaction process error of the corresponding bank program during the financial transaction when performing the financial transaction and provides the user interface screen after the suspension of the financial transaction if the failure occurs, The financial instrument displayed in the user interface. The method according to claim 1,
The control unit periodically performs startup and status check and failure check of modules set in the financial device when the bank information that can be fur tradable is displayed on the user interface and periodically checks the communication status with each bank server Financial instruments. The method of claim 8,
Wherein the control unit displays the financial transaction impossibility screen when a fault occurs in the module set in the financial instrument and transmits the fault information generated in at least one of the bank server and the designated administrator terminal. The method according to claim 1,
Wherein the control unit judges, when performing the financial transaction, whether or not the withdrawal is possible and the type of withdrawable medium according to the stored amount of the stored amount in advance for each bank when the withdrawal transaction is performed during the financial transaction and the stored type of the stored money. The method according to claim 1,
Wherein the financial device is connected to the plurality of bank servers via a virtual private network (VPN), respectively. The method according to claim 1,
And a customer information acquiring unit for acquiring customer information and corresponding bank information by entering and recognizing at least one of a passbook or a card,
Wherein the controller performs a financial transaction by displaying a user interface screen according to a bank program of a bank recognized by the insertion when the card or passbook of the corresponding bank is inserted when displaying the bank information on the user interface. Executing a plurality of bank programs preset at startup of the financial instrument, respectively;
Displaying bank information capable of performing a financial transaction when a transaction is awaited by the at least one bank program among the plurality of bank programs;
Providing a user interface screen according to the bank program of the bank selected or recognized by the insertion when one of the displayed bank information is selected or a card or bankbook of the corresponding bank is inserted; And
And executing the financial transaction by driving the corresponding bank program according to an operation on the provided user interface screen,
Wherein the transaction information is registered and changed in association with a bank traded on the user interface screen in performing the financial transaction. delete

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