KR102008577B1 - Method and system for withdrawal transaction using atm - Google Patents

Abstract

Disclosed is a withdrawal transaction system and method for withdrawing a balance charged through at least one of bitcoin conversion, external point conversion, gift voucher exchange, bank account transfer or mobile phone payment. According to an embodiment, the withdrawal transaction system includes a virtual wallet, wherein the virtual wallet includes a balance charged by at least one of bitcoin conversion, external point conversion, gift voucher exchange, bank account transfer or mobile phone payment. A terminal of the user having-; At least one financial automatic machine for withdrawing banknotes in accordance with a withdrawal transaction; And generating a server code in response to a withdrawal transaction request generated by the user's terminal and transmitting the generated server code to the user's terminal, receiving an input code input by the user from the at least one financial teller machine, and receiving the input code. And a management server for comparing the server code to authenticate the user, and accessing the virtual wallet of the authenticated user to conduct a withdrawal transaction for the terminal of the user.

Description

Withdrawal transaction system and method using automatic teller machine {METHOD AND SYSTEM FOR WITHDRAWAL TRANSACTION USING ATM}

The following embodiments relate to a withdrawal transaction system and method thereof, and more particularly, to a technology for withdrawing a balance on a user's virtual wallet using an ATM.

In commerce, it is common for a seller to earn points as a reward for a purchaser who purchases a product or service. These points could only be used in transactions with the seller who earned the points, but through the alliance between the sellers it was possible to be converted to other points. As an example of point conversion, Korean Laid-Open Patent Publication No. 10-2005-0019868 (published March 03, 2005) discloses a second database based on point information stored in a first database corresponding to a user's ID. A method and system for updating point information stored in a system are disclosed. However, it is still impossible to cash out points.

Therefore, a technology for cashing points is required, and further, an integrated technology for cashing not only points but also Bitcoin, gift certificates, and the like is required.

In an embodiment, the balance of the user's virtual wallet may be withdrawn using the automated teller machine by at least one of bitcoin conversion, external point conversion, gift voucher exchange, bank account transfer or mobile phone payment. A method and system, and a computer program stored in a computer readable recording medium for executing the method on a computer, and a recording medium thereof.

In particular, one embodiment provides a method and system for setting a fee for a withdrawal transaction differently depending on how the balance is charged, and a computer program stored on a computer readable recording medium for executing the method on a computer and the recording medium thereof. Suggest.

In addition, one embodiment proposes a method, system, and computer program stored on a computer readable recording medium for executing the method on a computer to authenticate a user prior to performing a withdrawal transaction.

In addition, one embodiment proposes a method, system, and computer program stored in a computer readable recording medium for executing the method on a computer to enhance the convenience of the user in the process of authenticating the user and the recording medium.

According to an embodiment, the withdrawal transaction system includes a virtual wallet, wherein the virtual wallet includes a balance charged by at least one of bitcoin conversion, external point conversion, gift voucher exchange, bank account transfer or mobile phone payment. A terminal of the user having a box; At least one financial automatic machine for withdrawing banknotes in accordance with a withdrawal transaction; And generating a server code in response to a withdrawal transaction request generated by the user's terminal and transmitting the generated server code to the user's terminal, receiving an input code input by the user from the at least one financial teller machine, and receiving the input code. And a management server for comparing the server code to authenticate the user, and accessing the virtual wallet of the authenticated user to conduct a withdrawal transaction for the terminal of the user.

According to one side, the management server may determine the fee for the withdrawal transaction based on how the balance is filled in the user's virtual wallet.

According to another aspect, the management server, the balance of the withdrawal amount and the withdrawal transaction included in the withdrawal transaction request from the balance of the virtual wallet, the at least one automated teller machine corresponding to the withdrawal amount The banknote can be controlled to withdraw money.

According to another aspect, the management server may determine at least one of the number of digits or the complexity of the generation of the server code based on the information previously input by the user.

According to another aspect, the management server may generate the server code based on at least one of information related to the way the balance is charged in the user's virtual wallet or the unique code of the user's virtual wallet.

According to another aspect, the management server may generate the server code based on at least one of the withdrawal amount included in the withdrawal transaction request or the location information using the at least one automated teller machine.

The server code may have a valid value only for a preset time after being generated by the management server and transmitted to the terminal of the user.

According to another aspect, the management server may determine whether the password of the user included in the withdrawal transaction request is valid to authenticate the user, and generate the server code when the user is authenticated. .

According to another aspect, the at least one automated teller machine determines whether the identification code of the user obtained from the user is valid and authenticates the user, and inputs the input code when the user is authenticated. I can receive it.

According to one embodiment, a user having a virtual wallet, the virtual wallet comprising a balance charged by at least one of bitcoin conversion, external point conversion, gift voucher exchange, bank account transfer or mobile phone payment. The management server used in the withdrawal transaction system together with at least one financial teller machine for withdrawing banknotes in accordance with the terminal and withdrawal transaction, the generation unit for generating a server code in response to the withdrawal transaction request generated in the user terminal; Transmitting and receiving unit for transmitting the server code to the terminal of the user, and receives the input code input by the user from the at least one ATM; An authentication unit for authenticating the user by comparing the input code with the server code; And an execution unit for accessing the virtual wallet of the authenticated user and performing a withdrawal transaction for the terminal of the user.

According to one side, the execution unit may determine the fee for the withdrawal transaction based on the way the balance is filled in the user's virtual wallet.

According to one embodiment, a user having a virtual wallet, the virtual wallet comprising a balance charged by at least one of bitcoin conversion, external point conversion, gift voucher exchange, bank account transfer or mobile phone payment. The withdrawal transaction method performed by the management server included in the withdrawal transaction system together with at least one automatic teller machine that withdraws banknotes according to the terminal and withdrawal transaction of the user, the server in response to the withdrawal transaction request generated by the user's terminal; Generating code; Transmitting the server code to a terminal of the user; Receiving an input code input by the user from the at least one automated teller machine; Comparing the input code with the server code to authenticate the user; And performing a withdrawal transaction for the terminal of the user by accessing the virtual wallet of the authenticated user.

According to one side, the withdrawal transaction method may further comprise the step of determining the fee for the withdrawal transaction based on the way the balance is filled in the user's virtual wallet.

According to another aspect, the withdrawal transaction method, based on the information previously input by the user may determine at least one of the number of digits or the complexity of the generation of the server code.

According to another aspect of the present invention, the generating of the server code may include generating the server code based on at least one of information related to a method in which a balance is charged in the user's virtual wallet or a unique code of the user's virtual wallet. Can be.

According to another aspect of the present invention, the generating of the server code may include generating the server code based on at least one of a withdrawal amount included in the withdrawal transaction request or location information of the user using the at least one financial teller machine. can do.

According to one embodiment, a user having a virtual wallet, the virtual wallet comprising a balance charged by at least one of bitcoin conversion, external point conversion, gift voucher exchange, bank account transfer or mobile phone payment. A computer program recorded on a computer-readable recording medium for executing a withdrawal transaction method in combination with a management server included in a withdrawal transaction system together with at least one automatic teller machine that withdraws banknotes in accordance with a terminal and withdrawal transaction of The withdrawal transaction method may include: generating a server code in response to a withdrawal transaction request generated at the user's terminal; Transmitting the server code to a terminal of the user; Receiving an input code input by the user from the at least one automated teller machine; Comparing the input code with the server code to authenticate the user; And performing a withdrawal transaction for the terminal of the user by accessing the virtual wallet of the authenticated user.

In an embodiment, the balance of the user's virtual wallet may be withdrawn using the automated teller machine by at least one of bitcoin conversion, external point conversion, gift voucher exchange, bank account transfer or mobile phone payment. By proposing a method and a system, and a computer program and a recording medium, it is possible for a user to easily cash in Bitcoin, external points, and gift certificates.

In particular, one embodiment provides a method and system for setting a fee for a withdrawal transaction differently depending on how the balance is charged, and a computer program and a recording medium, thereby providing a different fee for each provider that supports the balance charging method. Can pay

In addition, one embodiment can improve security in a withdrawal transaction by proposing a method, a system, and a computer program and a recording medium to authenticate a user prior to conducting a withdrawal transaction.

In addition, one embodiment may provide both a security and a user convenience in a withdrawal transaction by proposing a method, a system, a computer program, and a recording medium for user convenience in authenticating a user.

1 is a conceptual diagram schematically showing a withdrawal transaction system according to an embodiment.
2 is a block diagram illustrating an internal configuration of an automated teller machine and a management server according to an exemplary embodiment.
3 is a block diagram illustrating an example of components that may be included in a processor of a management server according to an exemplary embodiment.
4 is a diagram illustrating a withdrawal transaction method according to an embodiment.
5 to 9 are diagrams illustrating a service screen on a terminal of a user in the process of performing a withdrawal transaction method according to an embodiment.
10 to 12 are views showing a service screen on the automated teller machine in the process of performing the withdrawal transaction method according to an embodiment.

Hereinafter, exemplary embodiments of the present invention will be described in detail with reference to the accompanying drawings. However, the present invention is not limited or limited by the embodiments. Also, like reference numerals in the drawings denote like elements.

Also, the terminology used herein is a term used to properly express a preferred embodiment of the present invention, which may vary depending on a viewer, an operator's intention, or customs in the field to which the present invention belongs. Therefore, the definitions of the terms should be made based on the contents throughout the specification.

1 is a conceptual diagram schematically illustrating a withdrawal transaction system according to an embodiment, and FIG. 2 is a block diagram illustrating an internal configuration of an automated teller machine and a management server according to an embodiment.

1 to 2, the withdrawal transaction system according to an embodiment includes a user terminal 110, at least one automated teller machine 120, and a management server 130 to manage the management server 130. Under the control, the at least one automated teller machine 120 withdraws the balance of the virtual wallet to the user in cash. Hereinafter, the withdrawal transaction system will be described as including at least one financial teller machine 120, but the present invention is not limited thereto, and a plurality of financial teller machines may be included. In this case, each of the plurality of ATMs may operate according to the operation described below.

The user terminal 110 may be a mobile terminal implemented as a computer device. Examples of the user terminal 110 include a smart phone, a mobile phone, a tablet PC, a navigation device, a computer, a notebook computer, a digital broadcasting terminal, a personal digital assistant (PDA), a portable multimedia player (PMP), and the like. The user terminal 110 of the user may communicate with the automated teller machine 120 or the management server 130 through a network using a wireless or wired communication method.

The communication method is not limited and may include short-range wireless communication between devices as well as a communication method utilizing a communication network (eg, a mobile communication network, a wired internet, a wireless internet, and a broadcasting network) that the network may include. For example, the network may include a personal area network (PAN), a local area network (LAN), a campus area network (CAN), a metropolitan area network (MAN), a wide area network (WAN), a broadband network (BBN), the Internet, and the like. It may include any one or more of the network of. The network may also include any one or more of network topologies including, but not limited to, bus networks, star networks, ring networks, mesh networks, star-bus networks, trees, or hierarchical networks. .

Here, the internal configuration of the user terminal 110 may be the same as the internal configuration of the management server 130 to be described later. That is, the user terminal 110 may include an input / output interface, a memory, a processor, and a communication module, and may be used in a withdrawal transaction process in which the user withdraws the balance of the virtual wallet through banknotes through the automated teller machine 120. In particular, since the virtual wallet corresponding to the user is stored and maintained in the memory included in the user's terminal 110, the user may generate a withdrawal transaction request for the user's virtual wallet on the user's terminal 110. . The virtual wallet of the user is a kind of account corresponding to the user, and may include a balance charged by a method such as conversion of bitcoin, conversion of external points, exchange of gift certificates, bank account transfer or mobile phone payment. The virtual wallet is not limited or limited to being stored on the memory of the user terminal 110, and may be stored on the memory 221 of the management server 130 described later. Since the user's virtual wallet is used in a withdrawal transaction to be described later, the amount corresponding to the withdrawal amount may be deducted from the balance of the virtual wallet, and withdrawn in the banknote through the automated teller machine 120.

The automatic teller machine 120 is a device for performing banknote withdrawal operation under the control of the management server 130, and implemented as a computer device that communicates with the management server 130 and provides commands, codes, files, contents, services, and the like. Can be.

In more detail, the automated teller machine 120 may include a memory 211, a processor 212, a communication module 213, and an input / output interface 214. The memory 211 is a computer-readable recording medium, and may include a permanent mass storage device such as random access memory (RAM), read only memory (ROM), and a disk drive. In addition, the memory 211 may store an operating system or at least one program code (for example, a code for an application driven under control by the management server 130). These software components may be loaded from a computer readable recording medium separate from the memory 211. Such a separate computer-readable recording medium may include a computer-readable recording medium such as a floppy drive, a disk, a tape, a DVD / CD-ROM drive, a memory card, and the like. In other embodiments, software components may be loaded into memory 211 through communication module 213 rather than a computer readable recording medium. For example, the at least one program is a memory 211 based on a program installed by files provided over a network by a file distribution system (for example, the management server 130) that distributes installation files of developers or applications. Can be loaded).

The processor 212 may be configured to process instructions of a computer program by performing basic arithmetic, logic, and input / output operations. Instructions may be provided to the processor 212 by the memory 211 or the communication module 213. For example, the processor 212 may be configured to execute a command received according to a program code stored in a recording device such as the memory 211.

The communication module 213 may provide a function for communicating with the automated teller machine 120 and the management server 130 through a network, and may provide a function for communicating with another electronic device or another server. For example, data acquired by the automated teller machine 120 (eg, an input code input by a user) may be transmitted to the management server 130 through a network under the control of the communication module 213. On the contrary, control signals, commands, contents, files, etc. provided under the control of the management server 130 are received by the automated teller machine 120 through the communication module 213 via the network and stored on the memory 211. Can be.

The input / output interface 214 may be a means for interfacing with an input / output device provided on the front of the automated teller machine 120 for a transaction with a user. Accordingly, the input / output interface 214 may receive data necessary for the processor 212 to process a command of a computer program loaded in the memory 211, and output the processed data through the input / output device. .

For example, the input / output interface 214 may be configured to display an input device including a device such as a keyboard or a mouse for acquiring an identification code of the user from the user and receiving an input code, and for displaying a service screen or communication session according to driving of an application. It may provide an interface with an output device including a display. Here, the input / output interface 214 may provide an interface with a device in which functions for input and output are integrated into one, such as a touch screen. As another example, the input / output interface 214 may be a near field communication device (eg, a terminal of a user being tagged) for receiving an identification code and an input code stored in the terminal 110 of the user through short-range wireless communication with the terminal 110 of the user. An interface for obtaining data from the controller 110). In addition, the input / output interface 214 may provide an interface with the banknote processing apparatus that receives and withdraws a banknote and discriminates and stores the winding type and normality of the paper money.

The management server 130 is a subject performing a withdrawal transaction method by communicating with the user terminal 110 and the automated teller machine 120 of the user, receives a withdrawal transaction request generated in the user terminal 110, based on this By performing a withdrawal transaction, the automated teller machine 120 may control to withdraw a banknote according to the withdrawal transaction.

In detail, the management server 130 may include a memory 221, a processor 222, a communication module 223, and an input / output interface 224. The memory 221 is a computer-readable recording medium, and may include a permanent mass storage device such as random access memory (RAM), read only memory (ROM), and a disk drive. In addition, the memory 221 may store an operating system or at least one program code (for example, a code for an application for giving a command to control the automated teller machine 120). These software components may be loaded from a computer readable recording medium separate from the memory 221. Such a separate computer-readable recording medium may include a computer-readable recording medium such as a floppy drive, a disk, a tape, a DVD / CD-ROM drive, a memory card, and the like. In other embodiments, software components may be loaded into memory 221 through communication module 223 rather than a computer readable recording medium.

The processor 222 may be configured to process instructions of a computer program by performing basic arithmetic, logic, and input / output operations. Instructions may be provided to the processor 222 by the memory 221 or the communication module 223. For example, the processor 222 may be configured to execute a command received according to a program code stored in a recording device such as the memory 221.

The communication module 223 may provide a function for communicating with the management server 130 and the automated teller machine 120 through a network, and may provide a function for communicating with another electronic device or another server. For example, control signals, commands, contents, files, etc. for controlling the automated teller machine 120 may be transmitted to the automated teller machine 120 through a network under the control of the communication module 223. Conversely, data acquired by the automated teller machine 120 (eg, an input code input by a user) may be received through the communication module 223 and stored in the memory 221. As another example, data (eg, a withdrawal transaction request) generated in the user terminal 110 may be received through the communication module 223 and stored in the memory 221.

The input / output interface 224 may be a means for interfacing with the input / output device of the automated teller machine 120 or the input / output device of the user terminal 110. Accordingly, the input / output interface 224 receives the data necessary for the processor 222 to process the command of the computer program loaded in the memory 221, and outputs the processed data to the input / output of the automated teller machine 120. This may be performed through an input / output device of the device 110 of the device or the user.

Further, in other embodiments, the automated teller machine 120 and the management server 130 may include more components than those of FIG. 2. However, it is not necessary to clearly show most of the prior art components. For example, the automated teller machine 9120 may be implemented to include at least a part of an input / output device that interfaces with the input / output interface 214, or may further include other components such as a camera, various sensors, a database, and the like.

Hereinafter, a specific embodiment of the withdrawal transaction method and system in which the components of the processor 222 included in the management server 130 are mainly described will be described. However, the present invention is not limited thereto, and the components described below are not only the processor 222 of the management server 130, but also at least a part of the processor of the user terminal 110 or the processor 212 of the automated teller machine 120. It may be implemented to be included.

3 is a block diagram illustrating an example of components that may be included in a processor of a management server according to an exemplary embodiment. FIG. 4 is a diagram illustrating a withdrawal transaction method according to an exemplary embodiment. 10 is a view illustrating a service screen on a user terminal in the process of performing a withdrawal transaction method, and FIGS. 10 to 12 illustrate a service screen on an automated teller machine in the process of performing a withdrawal transaction method according to an embodiment. Drawing.

According to an embodiment, the management server 130 may include key components of a computer-implemented withdrawal transaction system. The management server 130 is a subject that provides withdrawal transactions through the automated teller machine 120 to the user terminal 110 of the client (Client), the user terminal 110 or the automated teller machine 120 A withdrawal transaction service corresponding to a service request through an installed dedicated application or web / mobile site access can be provided. In more detail, the management server 130 generates a server code in response to a withdrawal transaction request generated by the user terminal 110 and transmits the generated server code to the user terminal 110, the user from the automated teller machine 120 by the user After receiving the input code, and comparing the input code and the server code to authenticate the user, access the virtual wallet of the authenticated user to perform a withdrawal transaction for the user terminal 110.

In order to enable the management server 130 to perform the withdrawal transaction method according to FIG. 4, the processor 222 of the management server 130 is a component as shown in FIG. 3 as a component. 320, the authentication unit 330 and the execution unit 340 may be included. In some embodiments, the components of the processor 222 may be optionally included in or excluded from the processor 222. In addition, according to an embodiment, the components of the processor 222 may be separated or merged to represent the functions of the processor 222. For example, at least some of the components of the processor 222 may be implemented in the processor included in the terminal 110 of the user or the processor 212 included in the automated teller machine 120.

The processor 222 and the components of the processor 222 may control the management server 130 to perform the steps included in the withdrawal transaction method of FIG. 4. For example, the processor 222 and the components of the processor 222 may be implemented to execute instructions according to code of an operating system included in the memory 221 and code of at least one program. Here, the components of the processor 222 may be representations of different functions of the processor 222 performed by the processor 222 according to an instruction provided by a program code stored in the management server 130. have. For example, as a functional representation of the processor 222 that controls the management server 130 in response to a command that the management server 130 generates a server code in response to a withdrawal transaction request generated by the user terminal 110. The generator 310 may be used.

In addition, some of the steps included in the withdrawal transaction method may be performed by the processor of the user terminal 110 or the processor 212 of the automated teller machine 120. This will be described below.

First, in step S410, the processor of the user terminal 110 generates a withdrawal transaction request. For example, the user selects the "ATM withdrawal" button 511 on the service screens 510, 610, and 710 provided by the user's terminal 110 as shown in FIGS. 5 to 7, and inputs a withdrawal amount 512. In response to inputting the password 711, the processor of the user terminal 110 generates a withdrawal transaction request on the user terminal 110, and specifically, the processor 222 of the management server 130 (specifically, a transceiver unit). (320).

In this case, in step S410, the processor of the user terminal 110 may transmit the position information of the user terminal 110 to the processor 222 of the management server 130 together with the withdrawal transaction request. Thus, the location information of the terminal 110 of the user may be further utilized in the user authentication process to be described later.

In step S420, the user identifies the user's identification code 1011 (eg, the date of birth of the user) on the service screen 1010 provided by the automated teller machine 120 as shown in FIG. , The telephone number of the user terminal 110, etc.) may be input. That is, in step S420, the automated teller machine 120 may obtain the user's identification code 1011 from the user.

When the withdrawal transaction request is received at the transceiver 320, in step S430, the authentication unit 330 may identify an identification code corresponding to the user who generated the withdrawal transaction request among the identification codes stored in advance in the memory 221. May be extracted and transmitted to the automatic teller machine 120.

Therefore, in step S440, the automated teller machine 120 compares the identification code received from the management server 130 with the identification code 1011 obtained from the user, and whether the identification code 1011 obtained from the user is valid. By judging the user can be authenticated. For example, when the identification code received from the management server 130 and the identification code 1011 obtained from the user match, the automated teller machine 120 may authenticate that the appropriate user is using. In another example, when the identification code received from the management server 130 and the identification code 1011 obtained from the user does not match, the automated teller machine 120 recognizes that an inappropriate user is using, You can see that user authentication has not been completed. The result of the authentication of the user is transmitted to the management server 130, so that the generation unit 310 to generate the server code described later may be performed based on the result of the user authentication.

In this case, step S440 has been described as being performed in the automated teller machine 120, but is not limited thereto and may be performed in the authenticator 330. In this case, in step S420, the user's identification code 1011 may be transmitted to the transceiver 320, and in step S430, the authentication unit 330 may receive the received user's identification code 1011 and the memory ( The user may be authenticated by determining whether the identification code 1011 obtained from the user is valid by comparing the identification code corresponding to the user who generated the withdrawal transaction request among the identification codes stored in advance in 221. Thus, in operation S440, the user authentication result performed by the authenticator 330 may be transmitted to the processor 212 of the automated teller machine 120 through the transceiver 320.

In addition, the user authentication may be performed once again based on the location information of the user terminal 110 and the location information of the automated teller machine 120. For example, in step S420, the automated teller machine 120 together with the identification code 1011, transmits the position information of the teller machine 120 to the processor 222 of the management server 130 (transmitter / receiver 320). ) Can be sent. Therefore, in step S430, the authentication unit 330 is the position information of the terminal 110 of the user received from the terminal 110 of the user and the position information of the automated teller machine 120 received from the automated teller machine 120. The user can be authenticated by judging whether or not matches. Thus, in operation S440, the user authentication result performed again by the authenticator 330 may be transmitted to the processor 212 of the automated teller machine 120 through the transceiver 320.

In response to the withdrawal transaction request generated in the user terminal 110, the generation unit 310 generates a server code in step S450. In this case, in operation S450, the generation unit may adaptively generate a server code according to a result of authenticating the user using the password 711 included in the withdrawal transaction request. For example, the authentication unit 330 extracts a password corresponding to the user who generated the withdrawal transaction request from among the passwords stored in advance in the memory 221 and compares it with the password 711 included in the withdrawal transaction request. By authenticating the user, the generation unit 310 may generate a server code only when the user is authenticated in the authentication unit 330. Since the authentication process based on the password of the authenticator 330 is the same as the authentication process based on the identification code 1011 described above, a detailed description thereof will be omitted. Similarly, the generator 310 may adaptively generate the server code according to the user authentication result performed in step S440.

In this case, the generation of the server code by the generator 310 may be performed based on information previously input by the user. For example, the generation unit 310 receives information about the number of digits of the server code, the generation complexity, and the like in advance from the user through the user terminal 110, and stores and maintains the corresponding information, thereby performing the step (S450 authentication unit). 330 may authenticate that the appropriate user requests and uses the withdrawal transaction. For example, when the user inputs information requesting to generate the server code in four digits in advance in order to facilitate convenience, the generation unit 310 may generate a four digit server code. As another example, when a user inputs information requesting to generate a server code as a combination of numbers, alphabets, and special symbols in order to secure security rather than convenience, the generation unit 310 may combine a combination of numbers, alphabets, and special symbols. By generating the server code, the server code can have a high generation complexity.

In addition, the generation unit 310 in generating the server code, information related to the way the balance is charged in the user's virtual wallet (for example, conversion of Bitcoin, conversion of external points, exchange of gift certificates, bank account transfer or mobile phone) Information about which one of the payments) or a unique code of the user's virtual wallet, or the withdrawal amount 512 included in the withdrawal transaction request, or the location information (the user's terminal 110 using the automatic teller machine 120). Location information) or location information of the automated teller machine 120). That is, the generation unit 310 may include information related to how the balance is charged in the user's virtual wallet, a unique code of the user's virtual wallet, a withdrawal amount 512 included in the withdrawal transaction request, or the user with the automatic teller machine 120. By generating the server code based on at least one of the location information using the, it is possible to rule to generate the server code.

In step S460 the transceiver 320 transmits the server code to the user terminal 110. Accordingly, as shown in FIG. 8, the server code 811 transmitted from the transceiver 320 is displayed on one side on the service screen 810 provided by the user terminal 110, thereby allowing the user to perform the corresponding server code 811. As shown in FIG. 11, it may be induced to input the input code 1111 on the service screen 1110 provided by the automated teller machine 120.

At this time, the automated teller machine 120 may provide the service screen 1010 that receives the input code 1111 only when the user is authenticated in step S440. For example, the automated teller machine 120 may provide a service screen 1010 when the user is authenticated, and may provide a warning screen indicating that the user is not a suitable user when the user is not authenticated.

In step S470, the transceiver 320 receives an input code 1111 input by the user from the automated teller machine 120.

In operation S480, the authenticator 330 authenticates the user by comparing the input code 1111 and the server code 811. For example, if the input code 1111 and the server code 811 match, the authenticator 330 may authenticate that the appropriate user requests and uses the withdrawal transaction. In another example, when the input code 1111 and the server code 811 do not match, the authentication unit 330 recognizes that an invalid user requests and uses a withdrawal transaction, and thus user authentication is not completed. It can be confirmed that no.

Here, since the server code 811 is generated by the generation unit 310 and transmitted to the user terminal 110, the server code 811 may have a valid value only for a predetermined time. Therefore, the security of user authentication using the server code 811 can be further improved.

In operation S490, the execution unit 340 accesses the virtual wallet of the authenticated user and performs a withdrawal transaction for the terminal 110 of the user. In more detail, the execution unit 340 deducts the withdrawal amount 512 included in the withdrawal transaction request and the fee for the withdrawal transaction from the balance of the user's virtual wallet, and the automatic teller machine 120 withdraws the withdrawal amount 512. Can be controlled to withdraw the bill.

Here, the balance of the user's virtual wallet may be charged by at least one of bitcoin conversion, external point conversion, gift certificate exchange, bank account transfer or mobile phone payment. Thus, the execution unit 340 may determine the fee for the withdrawal transaction based on the method in which the balance of the virtual wallet is filled. In particular, the fee for the withdrawal transaction is determined differently according to the way in which the balance of the virtual wallet is filled, so that different fees can be paid for each provider that supports the balance filling method. For example, if the balance of the user's virtual wallet is charged by the conversion of external points, the withdrawal transaction fee may be determined to be 3% of the withdrawal amount 512, and the balance of the virtual wallet is charged by the exchange of gift certificates. In this case, the withdrawal transaction fee may be determined as 5% of the withdrawal amount 512. Therefore, providers who support external points (providers of services that earn, convert, and use external points) and providers that support vouchers (providers of services that issue, exchange, and use gift certificates) may incur different fees. Can be paid. Paying different fees for each provider that supports the balance charging method may maximize the profit of the operator who operates the management server 130. Determining a fee for such a withdrawal transaction may be performed in advance when the balance of the user's virtual wallet is filled before the above-described steps S410 to S490 are performed. However, the present invention is not limited thereto, and the determining of the fee for the withdrawal transaction may be freely performed at any time before the step S490.

In addition, when the balance of the virtual wallet is charged by the conversion of Bitcoin, the execution unit 340 may consider the current price of Bitcoin in the process of determining the fee for the withdrawal transaction. For example, the execution unit 340 may determine the fee for the withdrawal transaction in units of bitcoin, not in Korean Won (KRW), in which case, the price of Bitcoin at the time the withdrawal transaction request occurs After the fee is determined in units of bitcoin, the withdrawal amount may be withdrawn by the banknote through the automatic teller machine 120 by subtracting the fee from the balance.

The result of the withdrawal transaction performed in step S490 may be displayed on the service screen 910 provided by the user terminal 110 as shown in FIG. 9. In addition, the execution unit 340 displays the expected result of the withdrawal transaction on the service screen 1210 provided by the automated teller machine 120 as shown in FIG. Can be performed.

As described above, according to the above-described embodiments, the balance is charged on the user's virtual wallet by at least one of bitcoin conversion, external point conversion, gift certificate exchange, bank account transfer or mobile phone payment. A method and a system for withdrawing money, and a computer program and a recording medium using the 120 are proposed, thereby allowing a user to easily cash a bitcoin, an external point, a gift certificate, or the like.

In particular, according to the embodiments, a method and system for setting a fee for a withdrawal transaction differently according to the way the balance is charged, and a computer program and a recording medium are proposed, thereby providing a different fee for each provider that supports the balance charging method. May be paid, thereby maximizing the profits of the operator operating the management server 130.

Further, according to embodiments, a method, system, and computer program and a recording medium for authenticating a user before performing a withdrawal transaction are proposed, thereby improving security in the withdrawal transaction. Specifically, the user authentication using the server code 811 generated by the management server 130 and the input code 1111 input by the user from the automated teller machine 120 is inputted on the automated teller machine 120 and the management server. User authentication using the password 711 received at 130, the location information of the automated teller machine 120 and the user authentication using the location information of the user terminal 110 and / or inputted on the automated teller machine 120 Security in a withdrawal transaction can be enhanced through four levels of user authentication, such as user authentication using the user's identification code 1011. In particular, the user authentication using the server code 811 generated by the management server 130 and the input code 1111 input by the user from the automated teller machine 120 is input on the automated teller machine 120 and the management server ( The user authentication using the password 711 received at 130 and the user authentication using the location information of the automated teller machine 120 and the location information of the user terminal 110 are performed by the management server 130 as a subject. User authentication using the identification code 1011 of the user input on the automated teller machine 120 is performed by the different subjects, as the user of the automated teller machine 120 is performed as a subject, Security in the authentication process itself can also be improved.

Further, according to embodiments, a method, system, computer program and a recording medium for convenience of a user in the process of authenticating a user by performing the generation of a server code based on information input in advance by a user. By being proposed, both security and user convenience in withdrawal transactions can be achieved.

The apparatus described above may be implemented as a hardware component, a software component, and / or a combination of hardware components and software components. For example, the devices and components described in the embodiments may include a processor, a controller, an arithmetic logic unit (ALU), a digital signal processor, a microcomputer, a field programmable gate array (FPGA), a programmable PLU (programmable). It can be implemented using one or more general purpose or special purpose computers, such as logic units, microprocessors, or any other device capable of executing and responding to instructions. The processing device may execute an operating system (OS) and one or more software applications running on the operating system. The processing device may also access, store, manipulate, process, and generate data in response to the execution of the software. For convenience of explanation, one processing device may be described as being used, but one of ordinary skill in the art will appreciate that the processing device includes a plurality of processing elements and / or a plurality of types of processing elements. It can be seen that it may include. For example, the processing device may include a plurality of processors or one processor and one controller. In addition, other processing configurations are possible, such as parallel processors.

The software may include a computer program, code, instructions, or a combination of one or more of the above, and configure the processing device to operate as desired, or process it independently or collectively. You can command the device. The software and / or data may be embodied in any type of machine, component, physical device, computer storage medium or device in order to be interpreted by or provided to the processing device or to provide instructions or data. have. The software may be distributed over networked computer systems so that they may be stored or executed in a distributed manner. Software and data may be stored on one or more computer readable recording media.

The method according to the embodiment may be embodied in the form of program instructions that can be executed by various computer means and recorded in a computer readable medium. In this case, the medium may be to continuously store a program executable by the computer, or to temporarily store for execution or download. In addition, the medium may be a variety of recording means or storage means in the form of a single or several hardware combined, not limited to a medium directly connected to any computer system, it may be distributed on the network. Examples of the medium 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, And ROM, RAM, flash memory, and the like, configured to store program instructions. In addition, examples of another medium may include a recording medium or a storage medium managed by an app store that distributes an application, a site that supplies or distributes various software, a server, or the like.

Although the embodiments have been described by the limited embodiments and the drawings as described above, various modifications and variations are possible to those skilled in the art from the above description. For example, the described techniques may be performed in a different order than the described method, and / or components of the described systems, structures, devices, circuits, etc. may be combined or combined in a different form than the described method, or other components. Or even if replaced or substituted by equivalents, an appropriate result can be achieved.

Therefore, other implementations, other embodiments, and equivalents to the claims are within the scope of the claims that follow.

Claims (17)

A virtual wallet, wherein the virtual wallet comprises a balance charged by at least one of bitcoin conversion, external point conversion, gift voucher exchange, bank account transfer or mobile phone payment;
At least one financial automatic machine for withdrawing banknotes in accordance with a withdrawal transaction; And
In response to a withdrawal transaction request generated by the user's terminal, a server code is generated and transmitted to the user's terminal, and an input code input by the user is received from the at least one automated teller machine; A management server comparing the server code to authenticate the user and accessing the virtual wallet of the authenticated user to conduct a withdrawal transaction for the terminal of the user
Including,
The management server,
Determine a fee for the withdrawal transaction based on a method in which a balance is charged in the user's virtual wallet,
Determine at least one of the number of digits or the complexity of generation of the server code based on information previously input by the user,
Before generating the server code, the first authentication of the user by determining whether the identification code of the user obtained from the user is valid, and the location information of the user terminal received from the user terminal and the at least one It is determined whether the location information of the at least one automated teller machine received from the automated teller machine coincides with the second authentication to generate the server code when the user is authenticated first and second. Characterized in that,
Subtracting the withdrawal amount included in the withdrawal transaction request and the withdrawal transaction fee from the balance of the virtual wallet, and controlling the at least one ATM to withdraw a banknote corresponding to the withdrawal amount;
At least one of information related to a method in which a balance is charged in the virtual wallet of the user, a unique code of the virtual wallet of the user, a withdrawal amount included in the withdrawal transaction request, or location information of the user using the at least one ATM; Generate the server code based on one,
It is determined whether the password of the user included in the withdrawal transaction request is valid to authenticate the user, and when the user is authenticated, generate the server code.
The server code is,
After having been generated in the management server and transmitted to the terminal of the user, having a valid value only for a predetermined time
Withdrawal trading system characterized in that. delete delete delete delete delete delete delete delete delete delete delete delete delete delete delete delete

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