KR102249497B1 - Financial terminal and method for providing financial service using the same - Google Patents

Abstract

The financial terminal according to the embodiment includes a display unit, a communication unit communicating with a financial institution server, a recognition unit receiving user information, a user authentication unit authenticating a user using user information input from the recognition unit, and user authentication at the user authentication unit. Upon completion of the process, a control unit receives information on a user's financial service subscription status from a financial institution server, and changes a screen displayed on the display unit by using the subscription status information.

Description

Financial terminal and method of providing financial service using it {FINANCIAL TERMINAL AND METHOD FOR PROVIDING FINANCIAL SERVICE USING THE SAME}

The embodiment relates to a financial terminal convenient to subscribe or apply for financial services, and a method of providing financial services using the same.

With the rapid development of information and communication technology, various financial services have been provided using financial terminals such as an automatic cash dispenser (CD) and an automatic teller machine (ATM). These financial terminals are installed at each branch of a financial institution or a place provided at a location affiliated with the financial institution.

A financial terminal is a device that assists users to use financial services such as deposit or withdrawal without a financial company employee.Users use a medium such as a card or passbook through the financial terminal to withdraw cash and checks, deposit, transfer, etc. You can use the financial transaction of.

Meanwhile, a user using such a financial terminal can use financial services through a non-face-to-face personal authentication. Therefore, there is a problem in that the user cannot use some of the financial services provided through a financial company employee at the bank's window, which requires face-to-face identification through a financial terminal.

In addition, when a user subscribes or applies for a financial service through a financial terminal or the like, there is an inconvenience that the subscription or application process is interrupted in the middle of the user who has subscribed to the financial service.

The embodiment aims to solve the above and other problems. Another object is to provide a financial terminal with convenient financial service subscription and a method of providing financial services using the same.

Another object is to provide a financial terminal with enhanced security and a method for providing financial services using the same.

In order to achieve the above object, the financial terminal according to the embodiment includes a display unit, a communication unit communicating with a financial institution server, a recognition unit receiving user information, and a user authentication unit authenticating a user using user information input from the recognition unit. And, when user authentication is completed in the user authentication unit, a control unit for receiving information on a user's financial service subscription status from a financial institution server, and changing a screen displayed on the display unit by using the subscription status information.

The controller may display a screen including a first object for proceeding with a financial service re-subscription procedure on the display unit when it is determined that the user's subscription status is a normal subscription status or an abnormal subscription status using the subscription status information. .

When the first object is selected, the control unit may transmit a message requesting termination of the user's subscription to the financial service to the financial institution server through the communication unit.

When it is determined that the user's subscription status is a normal subscription status, the control unit may further include a second object for performing an additional service application procedure related to financial services on the screen including the first object and display it on the display unit. have.

When the second object is selected, the control unit may receive information related to the user's additional service from the financial institution server.

The controller may display a screen including a third object for proceeding with a financial service subscription procedure on the display unit when it is determined that the user's subscription status is non-subscribed by using the subscription status information.

When the first object is selected, the controller may display a screen including the third object on the display.

Financial services include online services, and subscription status information includes online service not registered, online service normal subscription, online service transfer password not registered, online service subscription number error count exceeded, transfer password error count exceeded, security media error related to online service It may include information corresponding to any one of exceeding the number of times, not using a 12-month transfer of funds, canceling a branch, canceling a customer, and canceling registration for 3 business days.

When the subscription status information includes only information corresponding to online service non-subscription, the control unit determines the user’s subscription status as non-subscription, and when the subscription status information includes only information corresponding to normal online service subscription, the user’s subscription status Is determined as a normal subscription status, and if the subscription status information includes information other than information corresponding to the online service non-subscription and information corresponding to the online service normal subscription, the user's subscription status can be determined as an abnormal pre-subscription status. have.

When a new subscription request for a financial service is input from the user, the control unit may transmit a new subscription to the financial service to the financial company server and receive information on the user's financial service subscription status.

Further comprising a camera for photographing the user, the communication unit is connected to the manager terminal of the financial company employee, the user authentication unit reads the information on the identification card using the identification card image data scanned from the recognition unit, the user photographed image, the identification card image data And transmitting the information on the identification card to the administrator terminal, and user authentication may be completed according to the authentication confirmation message received from the administrator terminal.

The recognition unit senses at least one of a vein distribution pattern, an iris pattern, a retina pattern, and a fingerprint pattern as biometric information, and the user authentication unit transmits the biometric information to the financial institution server, and performs user authentication according to the authentication verification message received from the financial institution server. You can complete it.

A method of providing a financial service using a financial terminal according to an embodiment includes displaying a user authentication screen including objects corresponding to a plurality of user authentication methods on a display unit, receiving an input for selecting at least one of the objects, Driving the recognition unit receiving user information in response to the received input, and authenticating the user using the information input from the recognition unit. When the user authentication is completed, the user’s financial service subscription status information is transmitted from the financial company server to the communication unit. Receiving through, and changing a screen displayed on the display unit by using the subscription status information.

The step of changing the screen displayed on the display includes a first object for proceeding with a financial service re-subscription procedure when the user's subscription status is determined to be a normal subscription status or an abnormal subscription status using subscription status information. It may include displaying the screen on the display unit.

The step of changing the screen displayed on the display unit may further include transmitting, to the financial institution server, a full text requesting termination of the user's subscription to the financial service through the communication unit when the first object is selected.

In the step of changing the screen displayed on the display unit, when it is determined that the user's subscription status is a normal subscription status, a second object for proceeding with an additional service application procedure related to financial services is added to the screen including the first object. It may include a step of further including and displaying.

When the second object is selected, the step of receiving information related to the user's additional service from the financial institution server may be further included.

When the subscription status of the user is determined to be non-subscription status using the subscription status information, the step of displaying a screen including a third object for proceeding with the financial service subscription procedure on the display unit may be further included.

* The step of changing the screen displayed on the display unit may further include displaying a screen including the third object on the display unit when the first object is selected.

Financial services include online services, and subscription status information includes online service not registered, online service normal subscription, online service transfer password not registered, online service subscription number error count exceeded, transfer password error count exceeded, security media error related to online service It may include information corresponding to any one of exceeding the number of times, not using a 12-month transfer of funds, canceling a branch, canceling a customer, and canceling registration for 3 business days.

In the step of changing the screen displayed on the display unit, when the subscription status information includes only information corresponding to the online service non-subscription, the subscription status of the user is determined as the non-subscription status, and the subscription status information is information corresponding to the normal subscription to the online service. If only, the user's subscription status is determined as a normal subscription status, and if the subscription status information includes information other than information corresponding to the online service non-subscription and the online service normal subscription, the user's subscription status It may further include the step of determining as the abnormal subscription state.

The step of authenticating a user includes driving a camera and a recognition unit, photographing the user and scanning an identification card placed on the scanner, reading the information on the identification card using the image data of the scanned identification card, and using the administrator terminal Transmitting the captured image, ID image data, and information on the ID card through the communication unit, and completing user authentication according to the authentication confirmation message received through the communication unit from the manager terminal.

In the step of authenticating a user, the authentication unit is driven to sense at least one of a vein distribution pattern, an iris pattern, a retina pattern, and a fingerprint pattern as biometric information, and the biometric information is transmitted to the financial institution server, and the authentication received from the financial institution server. According to the confirmation text, it may include the step of completing user authentication.

The effects of a financial terminal and a method for providing financial services using the financial terminal according to an embodiment will be described as follows.

According to at least one of the embodiments, there is an advantage that a user can conveniently apply for a financial service.

In addition, according to at least one of the embodiments, there is an advantage that a user can safely apply for a financial service.

In addition, according to at least one of the embodiments, since the financial service termination procedure and the subscription procedure are continuously performed, there is an effect of increasing the business processing efficiency of the customer.

Additional scope of applicability of the embodiments will become apparent from the detailed description below. However, various changes and modifications within the spirit and scope of the embodiments may be clearly understood by those skilled in the art, and thus specific embodiments such as detailed descriptions and preferred embodiments of the present invention should be understood as being given by way of example only.

1 is an exemplary diagram illustrating a financial terminal and a financial service system including the same according to an embodiment.
FIG. 2 is a block diagram schematically illustrating the financial service system of FIG. 1.
3 is a schematic block diagram of a financial terminal according to an embodiment.
4 is a flowchart schematically illustrating a method of providing a financial service using a financial terminal according to an embodiment.
5 is a flowchart illustrating a step of selecting an authentication method included in the authentication step of FIG. 4.
6 is an exemplary view showing a screen displayed on a financial terminal to select the authentication method of FIG. 5.
7 is a flow chart showing in detail the authentication method according to the first embodiment, and FIG. 8 is a flow chart showing in detail the authentication method according to the second embodiment.
9 is a flow chart specifically showing the steps of providing a financial service of FIG. 4.
10 to 16 are exemplary diagrams illustrating screens displayed on a financial terminal according to a method for providing a financial service according to an embodiment.

Hereinafter, exemplary embodiments disclosed in the present specification will be described in detail with reference to the accompanying drawings, but the same or similar reference numerals are assigned to the same or similar components, and redundant descriptions thereof will be omitted. The suffixes "module" and "unit" for constituent elements used in the following description are given or used interchangeably in consideration of only the ease of preparation of the specification, and do not have meanings or roles that are distinguished from each other by themselves. In addition, in describing the embodiments disclosed in the present specification, when it is determined that a detailed description of related known technologies may obscure the subject matter of the embodiments disclosed in the present specification, the detailed description thereof will be omitted. In addition, the accompanying drawings are for easy understanding of the embodiments disclosed in the present specification, and the technical idea disclosed in the present specification is not limited by the accompanying drawings, and all changes included in the spirit and scope of the present invention It should be understood to include equivalents or substitutes.

Terms including ordinal numbers such as first and second may be used to describe various elements, but the elements are not limited by the terms. The terms are used only for the purpose of distinguishing one component from other components.

When a component is referred to as being "connected" or "connected" to another component, it is understood that it may be directly connected or connected to the other component, but other components may exist in the middle. It should be. On the other hand, when a component is referred to as being "directly connected" or "directly connected" to another component, it should be understood that there is no other component in the middle.

Singular expressions include plural expressions unless the context clearly indicates otherwise.

In this application, terms such as "comprises" or "have" are intended to designate the presence of features, numbers, steps, actions, components, parts, or combinations thereof described in the specification, but one or more other features. It is to be understood that the presence or addition of elements or numbers, steps, actions, components, parts, or combinations thereof does not preclude in advance.

1 is an exemplary diagram illustrating a financial terminal and a financial service system including the same according to an embodiment, and FIG. 2 is a block diagram schematically illustrating the financial service system of FIG. 1.

The financial service system of FIG. 1 includes a financial institution server 100, a financial institution system 200, and a financial institution server 100 that perform a predetermined financial transaction procedure requested from the financial transaction medium in connection with at least one financial transaction medium. The counter terminal 400 and the financial terminal 300 (e.g., automatic cash dispenser / automatic cash teller machine (CD/ATM) and kiosks) connected through the financial network 32 (for example, our network) of, Internet banking system and public switched telephone network (PSTN) using client terminals (10, 11, 12) connected to the Internet (e.g., desktop computers, laptops, smartphones, etc.) and call terminals connected to mobile communication networks ( 11, 12) and at least one of a telebanking system using an automatic response service (ARS), and each financial transaction medium provides a financial service requested from a predetermined customer through the financial institution system 200.

First, the financial institution system 200 may be provided in a financial institution to open at least one financial account for a financial transaction customer and provide financial services based on the financial account.

Referring to FIG. 2 together, the financial institution system 200 may include an external system 220, an account system 230, an information system 240, a DBMS 210, and an interface module 250. have. The components shown in FIG. 2 are not essential for implementing the financial institution system 200, so the financial institution system 200 described in this specification may have more or fewer components than those listed above. have.

More specifically, among the components, the external 220 is a connection between the financial institution system 200 and the financial institution server 100, and between the financial institution system 200 and at least one other financial institution system 200 (or payment system). Access to the financial institution system 200 through interconnection or at least one non-face-to-face financial transaction means (e.g., internet banking, telebanking, etc.) provided in at least one external communication network, or at least one common network (e.g. For example, it is possible to provide various financial transaction interfaces through CD common network, financial common network).

The account system 230 may process credit or reception, or a counter service such as a trust or foreign exchange occurring at at least one branch (or counter).

The information system 240 may process headquarters work, support branch information, and manage customer information.

The DBMS 210 is at least one that stores and manages predetermined information (eg, ledger information, customer information, product information or management information, etc.) required for performing each function in the components of the financial institution system 200 It may contain a database of.

The interface module 250 may include a middleware platform that provides interfacing between components in the financial institution system 200.

According to the embodiment, the financial institution system 200 is designed intent or the type of each financial institution in which the financial institution system 200 is provided (for example, commercial banks, savings banks, trust banks), the purpose of the financial institution system 200, and Depending on the characteristics, it is possible to further include at least one component such as a foreign exchange module (not shown), an investment finance module (not shown), and an international module (not shown). Those skilled in the art will be familiar with detailed technical details of the financial institution system 200, and thus detailed descriptions thereof will be omitted for convenience, and the present invention is not limited thereto.

According to an embodiment, the financial institution system 200 provided in a financial institution is connected to at least one counter terminal provided at a branch (or branch) of a financial institution through a predetermined financial network (for example, the agency network). It features, and provides face-to-face financial services to at least one financial transaction customer through a counter terminal.

In addition, the financial institution system 200 includes at least one financial terminal 300 including a CD/ATM/ kiosk provided at a branch (or branch) of a financial institution, or at least one other financial institution affiliated with a financial institution (or It may be connected to at least one financial terminal 300 provided in a branch of another financial institution) or through a predetermined financial network (for example, a CD common network) with at least one financial terminal 300 provided in a public place. have. The financial institution system 200 provides a non-face-to-face financial service to at least one financial transaction customer through the financial terminal 300.

In addition, the financial institution system 200 may be connected to the Internet banking server 20 and the tele-banking server 22 through a predetermined interface unit 30. In addition, the Internet banking server 20 and the telebanking server 22 may be connected to at least one client terminal 10, 11, 12 or a wired telephone through a communication network. Accordingly, the financial institution system 200 provides a non-face-to-face financial service to at least one financial transaction customer through the Internet banking server 20 and the telebanking server 22.

Here, the communication network is a network connected to the TCP/IP-based backbone network (eg, wired Internet, or IEEE 802.11x-based wireless LAN, or IEEE 802.16x-based portable Internet, etc.), a predetermined wireless network (eg, CDMA ( Code Division Multiple Access) based mobile communication network, IEEE 802.16x based mobile Internet, or DataTAC/Mobitex based wireless data communication network), a fixed wired voice communication network (e.g., Public Switched Telephone Network (PSTN)) )) connected to at least one wired communication terminal (eg, a telephone), or a predetermined wireless voice communication network (eg, a CDMA-based mobile communication network).

*And, the client terminal (10, 11, 12) is a personal computer (PC) or notebook equipped with a wired Internet access and browsing function, a laptop or mobile terminal equipped with a wireless LAN / mobile Internet access and browsing function, a mobile communication network It may include a personal communication system (PCS), a global system for mobile (GSM) terminal, a personal digital assistant (PDA), a smart phone, or telematics equipped with access and browsing functions.

According to an embodiment, a financial institution equipped with the financial institution system 200 opens and operates predetermined financial accounts, such as commercial banks, savings banks, and securities companies, and provides electronic bankbooks, cash cards, and debit cards corresponding thereto. It is desirable to include all financial companies that can be issued, and is not limited to a specific financial institution.

In addition, the predetermined interface means 30 may include a predetermined financial network closed from the outside.

In addition, the DBMS 210 includes a ledger D/B 211, management information D/B 212, and customer information D/B 213.

First, the ledger information provided in the ledger D/B 211 may include a predetermined customer ledger, an account ledger connected to the customer ledger, and at least one information related to the account ledger. For those with ordinary knowledge in the technical field to which the embodiment belongs, the ledger D/B 211 provided in the DBMS 210 on the financial institution system 200 includes at least one ledger (for example, in addition to the customer ledger and the account ledger). Receiving ledger, loan ledger, collateral ledger, etc.) or ledgers, etc.) Is omitted for convenience.

The customer ledger is CIF (Customer Information File) number, country code, person in charge ID, branch number, customer classification, customer name, customer address, regional classification code, phone number, business place number, business name, classification code, expiration date, status headquarters information , Settlement date, cash availability, surname, name, resident registration number, company address, company phone number, mailing place, account number, president, type of business, legal representative, initial transaction date, TRW, DB, usage limit, parent company number. It includes at least one country name, transmission, gender resident, occupation, mailing address, company name, guardian name, guardian phone number, legal representative business number, construction and construction division, tax division, area code, group code, and postal code, etc. , The customer ledger contains ledger information for customers including at least one of individual customers, corporate customers, and minors. Those of ordinary skill in the technical field to which the embodiment belongs will clearly understand the content and characteristics of the information included in the customer ledger, and a detailed description thereof will be omitted for convenience.

In addition, the account ledger is relational with the customer ledger, and as a ledger corresponding to the financial account, the account number (or securities number), CIF number, store number, currency, opening date, status, product type, interest rate, password, balance, and other points Balance 1, balance 2, bankbook balance, bankbook number, uncurrent interest, time extension, time extension amount, ARS setting, final deposit date, final withdrawal date, final deposit amount, final withdrawal amount, number of non-bankbook transactions, interest interest system account, It includes at least one such as whether or not to connect to the common bank, final payment interest, final payment transaction number, individual interest rate reference and final interest calculation date, and the account number corresponding to the account ledger, withdrawal (number of months), period (number of days), and period extension , Periodic reception information including at least one maturity date and target amount, trust reception information including at least one account number, trust amount, par value, pension date, and number of shares corresponding to the account ledger, account number corresponding to the account ledger, It includes transaction history information including at least one transaction number, date, store number, product type, transaction type, cash amount, RBI, batch number, complex transaction, calculation date, passbook line, summary, etc. . Those of ordinary skill in the art to which the embodiment belongs will clearly understand the content and characteristics of the information included in the account ledger and the additional information configuration, and thus a detailed description thereof will be omitted for convenience.

Next, the customer information provided in the customer information D/B 213 is the customer's personal information (for example, the customer's name, resident registration number, address, phone number, mobile phone number, e-mail address, etc.) and the customer's member information. (For example, by signing up as a financial transaction customer of a financial institution, member ID information provided in the customer ledger provided on the financial institution system 200 in response to the customer, or CIF number, etc.) It is preferably made.

The financial institution system 200 is connected to a financial transaction medium such as a counter terminal 400, a financial terminal 300, and a client terminal 10, 11, 12 through the financial institution server 100 to provide financial services to users. can do.

The financial institution server 100 may include a control unit 120 including a communication unit 110, a validity check unit 121, an electronic document generation unit 122, an electronic document transmission unit 123, and the like. The components shown in FIG. 2 are not essential in implementing the financial institution server 100, so the financial institution server 100 described in this specification may have more or fewer components than the components listed above. have.

The communication unit 110 may transmit and receive information through communication channels 30 and 32 corresponding to the counter terminal 400, the financial terminal 300, or the Internet banking server 20, or the telebanking server 22. The communication unit 110 includes a counter terminal 400, a financial terminal 300 or an Internet banking server 20, a telebanking server 22, and a predetermined communication channel based on a protocol stack defined in the financial network. And a communication interface for transmitting and receiving one or more information (or data) using a communication protocol defined in a financial transaction related program provided in each financial transaction medium.

Accordingly, the financial institution server 100 may receive data written or input by a user or an employee of the financial institution through the communication unit 110. In addition, the financial institution server 100 transmits the information stored in the DBMS 210 of the financial institution system 200 to the corresponding counter terminal 400, the financial terminal 300, or the Internet banking server 20, and the tele-banking server 22. Can be transmitted.

For example, the financial institution server 100 is an electronic document through the communication unit 110, image content acquired from a financial transaction medium, biometric information, account opening request information, financial service new subscription request information, card issuance request information, and financial institution system. Information on the customer ledger stored in 200, information on the account ledger, at least one information related to the account ledger, customer information, and the like may be transmitted and received.

Next, the controller 120 may control the overall operation of the financial institution server 100 for providing financial services. In addition to the validity check unit 121, the electronic document generation unit 122, and the electronic document transmission unit 123 described below, the control unit 120 performs each function in response to the financial service provided by the financial institution server 100. It may further include a configuration (unit) to perform.

The validity checker 121 may check whether the validity of the data received through the communication unit 110 is satisfied, and authenticate the validity of the received data. Data whose validity is not authenticated by the validity checker 121 may be discarded.

Specifically, the validity checker 121 may check the watermark of the received electronic document, the issuing agency of the electronic document, the validity period of the electronic document, and the like. Alternatively, the validity check unit 121 checks the validity of the giro payment information with an external server 600, for example, a billing agency server 602 related to giro payment or an EBPP (Electronic Bill Presentment & Payment) server 604 It is also possible to check whether the Giro payment information is valid in connection.

The validity checker 121 may also verify the validity of data created or input by a user or a financial company employee. For example, by determining whether user information input by a user through a financial transaction medium matches customer information stored in the financial institution system 200, validity of data associated with the user information may be authenticated.

The validity checker 121 may also authenticate the validity of the biometric information received from the authentication server 700. For example, when the authentication server 700 is provided externally, the validity checker 121 may check the authentication authority of the biometric information, the validity of the validity period of the biometric information, and the like.

The electronic document generation unit 122 may generate an electronic document corresponding to data whose validity is authenticated by the validity check unit 121. In addition, the electronic document transmission unit 123 may transmit the generated electronic document to the electronic document server 500 linked to the financial institution system 200.

For example, when the validity of data input through a financial transaction medium is authenticated, the electronic document generator 122 may generate image content including the input data in a watermarking method. Alternatively, the electronic document generation unit 122 includes at least one predetermined document file (for example, a PDF (Portable Document Format) file, an EDI (Electronic Data Interchange) file, or HWP/DOC) including the input data. A word processor file including the above or a web document file including MHT) can be generated.

For those of ordinary skill in the technical field to which the embodiment belongs, the electronic document generation unit 122 generates an electronic document in an image file format, a predetermined document file format, and an image file corresponding to an electronic document, a document Since the technical characteristics of the file format for the file must be familiarized, detailed descriptions thereof will be omitted for convenience.

The electronic document transmission unit 123 may transmit the electronic document generated by the electronic document generation unit 122 to a predetermined electronic document server 500 linked to the financial institution system 200. When the electronic document server 500 is provided outside the financial institution server 100, the electronic document transmission unit 123 transmits the electronic document generated by the electronic document generation unit 122 to the electronic document server ( 500). The electronic document server 500 may include an electronic document D/B 510.

The controller 120 may provide or process appropriate information or functions to a user of a financial transaction medium by processing signals, data, information, etc. that are input or output through the above-described components.

At least some of the components may operate in cooperation with each other to implement the operation, control, or control method of the financial institution server 100 according to various embodiments described below.

Meanwhile, the authentication server 700 includes biometric information D/B 710 and may be provided inside or outside the financial institution server 100. The biometric information D/B 710 may store biometric information and customer information corresponding to the biometric information.

Hereinafter, the financial terminal 300 and the manager terminals 400 and 402 and the financial service system according to the embodiment will be described in detail with reference to FIG. 2.

The financial terminal 300 is provided at a branch (or branch) of a financial institution, and may be connected to the financial institution server 100 or the financial institution system 200 through a predetermined financial network 32. For example, at least one financial terminal 300 may be installed at each of a first branch and a second branch of a financial institution. In addition, each financial terminal 300 may be connected to the financial institution server 100 through a predetermined financial network.

Meanwhile, the manager terminals 400 and 402 may be provided at a branch of a financial institution or may be separately provided at a place outside the financial institution. The externally provided manager terminals 400 and 402 may be connected to the financial terminal 300 of each branch, the financial institution server 100 or the financial institution system 200 through a predetermined financial network 32. The manager terminal 400 provided inside the branch may be connected to at least one financial terminal 300 provided in the corresponding branch through an internal communication network, and the financial terminal 300 of each branch through a predetermined financial network 32 , It may be connected to the financial institution server 100 or the financial institution system 200.

An employee of a financial institution may use the manager terminals 400 and 402 to provide financial services to users of the financial terminals 300. The manager terminals 400 and 402 may process information received from the financial terminals 300 through a predetermined financial network 32 or an internal communication network of a branch. For example, the manager terminal 400, 402 is a communication unit that is connected to a predetermined financial network 32 or an internal communication network of a branch to transmit and receive information, and transmit information input to the financial terminal 300 by a user to the manager terminal 400. And a control unit for overall control of an output unit (eg, a display unit, an audio output unit), a memory unit and a communication unit, an output unit, and the memory unit for output at 402. Using this, the financial company employee can provide the financial terminal 300 with an appropriate financial service according to the information output to the counter terminal 400. In addition, the manager terminal provided in the branch may include a counter terminal 400.

Next, a financial terminal 300 according to an embodiment will be described in detail with reference to FIG. 3.

3 is a schematic block diagram of a financial terminal 300 according to an embodiment.

The financial terminal 300 includes a sensor unit 310, an input unit 320, a card reader unit 330, a cash deposit/withdrawal unit 331, a check deposit/withdrawal unit 332, a bankbook deposit/withdrawal unit 333, a card discharge unit ( 334), a communication unit 340, a memory unit 350, an output unit 360, a short-range wireless communication unit 370, a control unit 380, and the like. The components shown in FIG. 3 are not essential for implementing the financial terminal 300, so the financial terminal 300 described in this specification may have more or fewer components than the components listed above. have.

More specifically, among the components, the sensor unit 310 may include one or more sensors for sensing at least one of user information and surrounding environment information surrounding the financial terminal 300. For example, the sensor unit 310 may include a vein scanner/sensor 311, a fingerprint recognition sensor 312, a face recognition sensor (for example, see camera 321), Eye recognition sensor 313 (eg, iris scanner, retina scanner, etc.) and proximity sensor 314 (proximity sensor), infrared sensor (IR sensor), environment It may include at least one of a sensor (eg, a barometer, a hygrometer, a thermometer, a radiation sensor, a heat sensor, a gas sensor, etc.), a touch sensor, and an illumination sensor. Meanwhile, the financial terminal 300 disclosed in the present specification may combine and utilize information sensed by at least two or more of these sensors.

The input unit 320 includes a camera 321 or an image input unit 320 for inputting an image signal, a microphone 322 for inputting an audio signal, or an audio input unit 320, and a user input unit for receiving information from a user. 323 (for example, a touch key, a push key (mechanical key), etc.), an identification card, a barcode, a fingerprint, a check, a scanner 324 that scans the contents disposed on the sensor, such as cash and various documents ( scanner). The scanner 324 may be configured separately according to the contents to be scanned.

For example, the scanner 324 is a configuration of an identification card scanner that scans an ID card, a barcode scanner that scans a barcode and a QR code, and a cash deposit and withdrawal unit 331, and includes a cash scanner that scans cash, and a check deposit and withdrawal unit 332. As a configuration, a check scanner for scanning a check, a fingerprint sensor 311 as a configuration, a fingerprint scanner for scanning a fingerprint, as a configuration of the passbook entry/exit unit 333, a passbook scanner for scanning the inlay of a passbook, and the provision of financial services It may include at least one of document scanners for receiving input of various documents required for the application.

In addition, the voice data or image data collected by the input unit 320 may be analyzed and processed as a user's control command or user information.

The card reader unit 330 may provide an interface between the card and the financial terminal 300 to read at least one information or data provided on the card for at least one financial transaction. The card reader unit 330 includes an MS reader unit that interfaces a magnetic stripe (MS) card with the financial terminal 300, a contact IC reader unit that interfaces a contact IC (Integrated Circuit) card with the financial terminal 300, and a non-contact type. It may include a contactless IC reader for interfacing the IC card with the financial terminal 300.

The MS reader unit may include at least one magnetic head including a predetermined coil, and an MS card on which predetermined information (eg, magnetized binary information) is in close contact with the magnetic head. When the magnetic head moves in a predetermined direction (or the magnetic head moves in close contact with the MS card on which predetermined information is recorded), a predetermined electrical signal is loaded into the magnetic head, and at least one or more of the MS of the MS card It is characterized by interfacing predetermined information or data from a track to the financial terminal 300.

The contact type IC reader unit may include at least one or more contact points that form an electrical contact with a chip on board (COB) provided in the contact type IC card, and power to the IC chip of the IC card through the contact point. And interfacing predetermined information or data from the IC chip to the financial terminal 300 through the half-duplex transaction using an Application Protocol Data Unit (APDU).

The non-contact IC reader unit may include at least one or more antennas that make electrical contact with the non-contact IC card by using capacitive coupling, inductive coupling, etc., and the IC of the IC card through the antenna. Power is supplied to the chip, and predetermined information or data is interfaced to the financial terminal 300 from the IC chip through the half duplex transaction using an APDU.

The cash deposit and withdrawal unit 331 processes the deposit of cash that the user wants to put into the financial terminal 300, or when a predetermined cash payment command (or cash payment approval result) is received from the user as a result of a financial transaction, the cash payment command Cash (or cash requested by the user) corresponding to (or cash payment approval result) can be paid to the user.

The check deposit/withdrawal unit 332 deposits a check that the user wants to input to the financial terminal 300, or when a predetermined check payment order (or check payment approval result) is received from the user as a result of a financial transaction, the check payment command A check (or a check requested by the user) corresponding to the (or check payment approval result) can be paid to the user.

The cash deposit/withdrawal unit 331 and the check deposit/withdrawal unit 332 may each include the scanner 324, and through this, image data of cash and checks input to the financial terminal 300 may be obtained.

The bankbook entry/exit unit 333 inserts the bankbook, and when printing processing for the inserted bankbook is completed, the bankbook may be discharged to the outside of the financial terminal 300. The bankbook entry/exit unit 333 may read a magnetic stripe provided on the bankbook, or may print account information or deposit information on the bankbook. In addition, the passbook entry/exit unit 333 may include an IC chip or the like in addition to the magnetic provided on the passbook to recognize the passbook.

Passbook unique information stored in the magnetic provided on the passbook read through the passbook entry/exit unit 333 is provided to the control unit 380, and the control unit 380 receiving data to be printed from the financial institution server 100 prints the passbook. If the printable data is generated and provided to the bankbook entry/exit unit 333, the bankbook entry/exit unit 333 may print and process the details of use of the bankbook in the bankbook.

In addition, the passbook entry/exit unit 333 may print and discharge a new passbook according to the passbook issuance process by the control unit 380. For example, the bankbook entry/exit unit 333 may print and process account information, deposit information, bankbook usage details, and the like on the inside of an unissued bankbook stored in the financial terminal 300. The passbook entry/exit unit 333 may discharge the printed passbook to the outside of the financial terminal 300.

The card discharging unit 334 may issue an MS card, a contact type IC card, and a non-contact type IC card of the card, and discharge the same to the user. As an example, the card ejection unit 334 records various financial information including card information on at least one track included in the MS of the MS card, and stores the card number on the front or rear of the card in a thermal manner. It can be transferred in the form of text or image. In addition, the card discharging unit 334 may discharge a card containing financial information to the outside of the financial terminal 300.

In addition, the card ejection unit 334 may emit a security medium stored inside the financial terminal 300, for example, a One Time Password (OTP) generator, and a security card. In addition, the card ejection unit 334 can detect the serial number of the released secure medium when ejecting the secure medium. For example, the card ejection unit 334 may include a scanner 324 to scan the security medium in the process of discharging the stored security medium to obtain an image of the security medium. In addition, the serial number of the security medium may be extracted from the image of the security medium through character recognition.

The identification card scanner, card reader unit 330, and card ejection unit 334 described above may be configured as a single input/output device. An identification card (ID card) conforming to the same standard, a check card, a credit card, a card-type OTP token, a security card, etc., are provided by the identification card scanner, card reader unit 330, and card discharge unit 334 configured as one input/output device. It can be scanned and read.

The printer unit 335 may print and output documents required to provide financial services on printing paper (eg, printer paper of various standards, plotter paper, roll paper). For example, the printer 335 may print and output a document for requesting a new subscription to a financial service on A4 paper. In addition, the printer unit 335 may print and output the statement sheet according to the financial transaction on roll paper.

The printer unit 335 may be any one of a roll paper printing device, a dot printer unit, a color pin dot matrix printer unit, an ultra-high-speed drying laser printer unit, and an inkjet passbook printer unit, or perform a printing operation or a transfer operation on the cover of the passbook. It may be a variety of known printing devices or means capable of performing.

The communication unit 340 may communicate with the financial institution server 100 via a predetermined financial network 32. In addition, the communication unit 340 may communicate with the other financial terminal 300 or the manager terminals 400 and 402 through an internal communication network of the installed branch.

The communication unit 340 may transmit and receive information through a communication channel corresponding to the counter terminal, the financial terminal 300 or the financial institution server 100. The communication unit 340 connects a predetermined communication channel with a counter terminal, a financial terminal 300 or a financial institution server 100 based on a protocol stack defined in the financial network, and a financial transaction related program provided in the financial terminal 300 A communication interface for transmitting and receiving one or more information (or data) may be provided using a communication protocol defined in FIG.

Next, the memory unit 350 includes at least one financial transaction processing information for the financial terminal 300 to process a financial transaction, information on a predetermined financial transaction after a financial transaction, and a scanner 324 provided in the financial terminal 300. It is possible to store the scanned image data and information on storing the card and the security medium.

In addition, the memory unit 350 stores data supporting various functions of the financial terminal 300. The memory unit 350 may store a plurality of application programs running in the financial terminal 300, data for operation of the financial terminal 300, and instructions. At least some of these application programs may be downloaded from the external financial institution server 100 through the communication unit 340. Meanwhile, the application program may be stored in the memory unit 350, installed on the financial terminal 300, and driven by the control unit 380 to perform an operation (or function) of the financial terminal 300.

The memory unit 350 includes a flash memory type, a hard disk type, a solid state disk type, an SDD type, and a multimedia card micro type. type), card-type memory (e.g., SD or XD memory), random access memory (RAM), static random access memory (SRAM), read-only memory (ROM), electrically erasable programmable (EEPROM) read-only memory), programmable read-only memory (PROM), magnetic memory, magnetic disk, and optical disk.

The output unit 360 is for generating an output related to visual, auditory or tactile sense, and may include a display unit 361, an audio output unit 363, and a haptic module 365.

The display unit 361 displays (outputs) information processed by the financial terminal 300. For example, the display unit 361 may display execution screen information of an application program driven in the financial terminal 300, or UI (User Interface) and GUI (Graphic User Interface) information according to such execution screen information. .

The display unit 361 may form a layer structure with the touch sensor or be integrally formed, thereby implementing a touch screen. Using this, when a touch is made to the display unit 361, the touch sensor may sense the touch, and the controller 380 may be configured to generate a control command corresponding to the touch based on this. The content input by the touch method may be letters or numbers, or menu items that can be indicated or designated in various modes.

Such a touch screen may provide an input interface between the financial terminal 300 and the user, and may provide an output interface between the financial terminal 300 and the user.

Such a display unit 361 includes a liquid crystal display (LCD), a thin film transistor-liquid crystal display (TFT LCD), an organic light-emitting diode (OLED), and a flexible display. flexible display), a 3D display, and an e-ink display.

In addition, two or more display units 361 may exist depending on the implementation type of the financial terminal 300. In this case, in the financial terminal 300, a plurality of display units 361 may be spaced apart or integrally disposed on one surface, or may be disposed on different surfaces, respectively.

The display unit 361 will be described as being divided into a first display unit 362 and a second display unit 363. Depending on the installed position, the first display unit 362 and the second display unit 363 may provide an input interface or an output interface to a user, respectively.

For example, the first display unit 362 and the second display unit 363 may be disposed vertically in the front portion of the financial terminal 300. The first display unit 362 and the second display unit 363 may be arranged vertically so that all screens displayed in the viewpoint direction of the user using the financial terminal 300 are visually recognized.

When the first display unit 362 is disposed on the upper side and the second display unit 363 is disposed on the lower side, the first display unit 362 provides additional information according to the use of financial services, or A video consultation screen may be displayed. In this case, a user input screen (eg, a keyboard or a keypad) may be displayed on the second display unit 363. In addition, important information (eg, personal information of a user, account number information, signature information, balance information, etc.) according to the use of financial services may be displayed on the second display unit 363 disposed at the lower side.

In addition, an image of a financial company employee photographed by the cameras of the manager terminals 400 and 402 is displayed on the first display unit 362 of the financial terminal 300, and on the second display unit 363 of the financial terminal 300 A keyboard or keypad may be displayed. Through this, the user can consult with a financial company employee displayed on the first display unit 362 via video. In addition, the user may respond to a questionnaire transmitted through the sound output unit 364 to an employee of a financial institution using the second display unit 363 or the microphone 322.

The sound output unit 363 also outputs sound signals related to functions (eg, video consultation with a bank employee, etc.) performed by the financial terminal 300. The sound output unit 363 may include a receiver, a speaker, a buzzer, and the like.

The haptic module 365 generates various tactile effects that a user can feel. A typical example of the tactile effect generated by the haptic module 365 may be vibration. The intensity and pattern of vibration generated by the haptic module 365 may be controlled by a user's selection or setting of the controller 380. For example, the haptic module 365 may synthesize and output different vibrations or sequentially output them.

The short-range wireless communication unit 370 is for short-range communication, and uses at least one of RFID (Radio Frequency Identification), Infrared Data Association (IrDA), and NFC (Near Field Communication) technologies. Can support communication. For example, the short-range wireless communication unit 370 may read a device including an RFID tag provided by a user of the financial terminal 300 and read information stored in the corresponding device.

The controller 380 may control the overall operation of the financial terminal 300 according to the functional configuration, and manage the flow of information or data between each component. The control unit 380 is a bus that inputs and outputs at least one processor including a CPU (Central Processing Unit) / MPU (Micro Processing Unit), an execution memory (eg, register), and predetermined data in hardware. ) And at least one electronic circuit (or integrated circuit) therefor.

In addition, the control unit 380 is loaded into the execution memory from a predetermined recording medium (for example, the memory unit 350) provided in the financial terminal 300 in order to perform a unique function in software. And a predetermined program routine and/or program data processed by the processor.

In particular, the control unit 380 includes a predetermined operating system and/or a terminal control program routine for managing the financial terminal 300 after the financial terminal 300 is booted in software.

The control unit 380 may provide or process appropriate information or functions to a user by processing signals, data, information, etc. that are input or output through the above-described components or by driving an application program stored in the memory unit 350. .

In addition, the controller 380 may control at least some of the above components in order to drive the application program stored in the memory unit 350. Furthermore, the controller 380 may operate by combining at least two or more of the components included in the financial terminal 300 to drive the application program.

Hereinafter, at least one program component provided in the financial terminal 300 is illustrated and described in the control unit 380 for convenience.

The control unit 380 may include a user authentication unit 381, a message generation unit 382, and a message processing unit 383.

The user authentication unit 381 may process identity authentication of a user who uses the financial terminal 300. The user authentication unit 381 is from the user's biometric information (eg, vein distribution pattern, iris pattern, retina pattern, fingerprint pattern, etc.) inputted to the sensor unit 310 or the camera 321 and the authentication server 700. By comparing the received biometric information, it is possible to process the user's identity authentication.

In addition, the user authentication unit 381 transmits the user's identification card image scanned by the scanner 324 and the user's face image photographed by the camera 321 to the manager terminals 400 and 402, and the manager terminals 400 and 402 When an authentication confirmation message is received from, the user's identity authentication can be completed.

* The user authentication unit 381 is a configuration for authenticating that the user using the financial terminal 300 is the user and receiving financial services, and may be provided in the financial terminal 300.

The user authentication unit 381 transmits an authentication number to the user's client terminals 10, 11, 12 (for example, a mobile terminal, etc.) and matches the number input to the financial terminal 300. The authentication method may include one of an authentication method that matches previously stored customer information and scanned ID information in a financial institution's system, an authentication method using biometric information, or a combination thereof to perform identity authentication.

The professional generation unit 382 may generate an electronic document for providing a financial service based on account information, a financial transaction based on card information, and identity authentication.

For example, the full text generator 382 may generate electronic information in which a value is divided into a plurality of data fields and a value corresponding to each of the data fields is input.

As another example, the full text generator 382 may generate image content including input data in a watermarking method.

As another example, the full text generation unit 382 at least stores a predetermined document file (for example, a PDF (Portable Document Format) file, an EDI (Electronic Data Interchange) file, or HWP/DOC) including the input data. A word processor file including one or more, or a web document file including MHT) can be generated.

The professional processing unit 383 may transmit the generated electronic document to the financial institution server 100 through the communication unit 340 and perform an information processing function corresponding to the electronic document received from the financial institution server 100.

For example, the professional processing unit 383 transmits the generated electronic document for requesting a new financial service subscription to the financial institution server 100 through the communication unit 340, and sends the electronic document to the financial service new subscription request electronic document from the financial institution server 100. A corresponding request-response electronic document may be received, and information included in the request-response electronic document may be output through the display unit 361.

Hereinafter, embodiments related to a financial service providing method that can be implemented in the financial terminal 300 configured as described above and a financial system including the same will be described with reference to the accompanying drawings. The embodiments may be embodied in other specific forms without departing from the spirit and essential characteristics of the embodiments.

FIG. 4 is a flow chart schematically illustrating a method of providing a financial service using the financial terminal 300 according to an embodiment, and FIG. 5 is a flow chart specifically showing the authentication step of FIG. 4.

In the conventional financial system, there is an inconvenience that a user must visit a financial institution and use financial services such as opening a new account after face-to-face authentication by a financial company employee.

According to the method of providing a financial service according to an embodiment, the financial terminal 300 performs non-face-to-face authentication of the user (S10), and provides the user with appropriate financial services including services that could not be provided in the conventional non-face-to-face channel (S20).

First, the financial terminal 300 may perform real name authentication or identity authentication of a user who uses the financial terminal 300. The authentication step S10 may be performed by the user authentication unit 381 using data input through the sensor unit 310 and the input unit 320 and data received from the communication unit 340.

The financial terminal 300 includes authentication information (biometric information) stored in the authentication server 700 (or the financial institution server 100) and the user's biometric information (vein distribution pattern, iris pattern, retina) input through the sensor unit 310. Pattern, fingerprint pattern) can be compared to authenticate a user.

In addition, the financial terminal 300 transmits the user's image captured through the camera 321 and the user's ID image to the administrator terminals 400 and 402, and the authentication is confirmed by the administrator at the administrator terminals 400 and 402. If so, the user can be authenticated.

In addition, the financial terminal 300 may authenticate the user by comparing the user's facial image photographed through the camera 321 with the facial image included in the user's identification card image.

In addition, the financial terminal 300 may authenticate the user by transmitting the authentication number input by the user to the external authentication server 700 and the external authentication server 700 confirming authentication. For example, the financial terminal 300 requests user authentication from the external authentication server 700. Then, using the customer information stored in the DBMS of the financial institution server 100, the external authentication server 700 generates and transmits the authentication number to the client terminal (10, 11, 12) of the customer. The financial terminal 300 transmits the authentication number input by the user to the external authentication server 700. The external authentication server 700 matches the authentication number transmitted to the client terminals 10, 11, and 12 with the authentication number transmitted from the financial terminal 300, and sends a message certifying that the user is a customer. Transfer to.

Meanwhile, in the authentication step (S10), a password corresponding to the financial means inserted through the card reader unit 330 and the bankbook entry/exit unit 333 is input from the user, and the corresponding user is matched with the previously stored password of the corresponding financial means. Users can be authenticated to use the embedded financial means.

In addition, the financial terminal 300 may provide a financial service to an authenticated user. Financial services provided to users through the financial terminal 300 include customer information inquiry, change, deposit, withdrawal, transfer, new account opening, financial product application, account addition, change, deletion, utility bill payment, service fee payment, bankbook issuance, Passbook transfer, card issuance, security medium issuance, Internet banking subscription, telebanking subscription, and password change may be included.

The financial terminal 300 may provide a corresponding financial service to a user in response to a user's request for providing a financial service or a request for a financial service that is reserved in advance, input to the financial terminal 300.

Hereinafter, a user authentication method of the financial terminal 300 according to an embodiment will be described in detail with reference to FIGS. 5 and 6.

5 is a flowchart illustrating a step of selecting an authentication method included in the authentication step of FIG. 4, and FIG. 6 is an exemplary view showing a screen displayed on a financial terminal to select the authentication method of FIG. 5.

First, the user authentication unit 381 of the financial terminal 300 displays a user authentication screen on the display unit 361 (S102). The user authentication screen may be displayed to authenticate the user by selecting one of a plurality of authentication methods for authenticating the user.

When an input for user authentication is first detected by a sensor, the user input unit 323, or the scanner 324, the user authentication unit 381 may omit the user authentication screen display step S102. For example, when a vein distribution pattern of a user is detected by the vein sensor 311, the user authentication unit 381 allows the vein sensor 311 without input from the user selecting the biometric authentication object 614 on the user authentication screen. It can be controlled to detect the user's vein distribution pattern.

Meanwhile, when an input for selecting at least one of the financial services is received (S100), the user authentication unit 381 may display a user authentication screen. For example, a financial service selection screen including a plurality of objects corresponding to financial services that may be provided by the financial terminal 300 may be displayed on the display 361. In this case, according to the user's input of selecting any one of the displayed plurality of objects, the user may enter the identification display step S102. Accordingly, a user authentication screen may be displayed on the display unit 361.

Also, the user authentication unit 381 may first display the user authentication screen before receiving the financial service selection input. For example, when the proximity sensor 314 detects a user's approach, the user authentication unit 381 may display a user authentication screen on the display unit 361.

The user authentication screen may include a screen for selecting at least one of a plurality of user authentication methods. For example, the user authentication unit 381 may display an object corresponding to each of a plurality of user authentication methods on the display unit 361. The plurality of user authentication methods include a biometric authentication method, an identity authentication method through image connection, an identification card authentication method, an authentication number authentication method, and the like.

Hereinafter, it is assumed that the user authentication unit 381 displays on the second display unit 363 a user authentication screen for selecting one of an identity authentication method and a biometric authentication method through an identification card and an image connection.

The user authentication unit 381 displays on the second display unit 363 a user authentication screen including an object 612 corresponding to an identity authentication method and an object 614 corresponding to a biometric authentication method through identification and image connection. can do. On the user authentication screen, a guide phrase 610 for inducing the selection of an authentication method may be further displayed, and an object 622 for video consultation with a manager, an object 624 for changing a displayed language, and a financial terminal 300 An object 626 for displaying a menu screen for all services provided may be displayed.

The user may select any one of the objects 612 and 614 displayed on the second display unit 363 and proceed with the authentication step.

Hereinafter, an authentication method according to each authentication method will be described in detail with reference to FIGS. 7 and 8.

7 is a flow chart showing in detail the authentication method according to the first embodiment, and FIG. 8 is a flow chart showing in detail the authentication method according to the second embodiment.

First, referring to FIG. 7, when the user selects an identity authentication method through an identification card and an image connection, the user authentication unit 381 displays a guide screen for scanning the identification card with the scanner 324 on the display unit 361. Can be displayed.

Then, when an identification card is placed on the scanner 324 by the user, the scanner 324 scans the identification card (S110) and processes the identification card as image data. For example, the scanner 324 may scan both the front side and the back side of the input ID card and process it as image data.

Then, the user authentication unit 381 detects information written on the identification card by using the identification card image data (S112). The information on the identification card (hereinafter, referred to as identification card information) may include at least one of an identification photo, numeric information, and text information printed on the identification card. Numerical information may include a resident registration number recorded on an identification card, an identification card issuance date, and a driver's license number. The textual information may include the name, address, issuing agency, and type of identification card listed on the identification card. Meanwhile, the user authentication unit 381 may store the image data of the identification card processed by the scanner 324 and the detected identification card information in the memory unit 350.

The camera 321 photographs the user's face (S114) and processes the image data, and the user authentication unit 381 transmits the image data photographed by the camera 321, the identification card image data, and the identification card information to the communication unit 340. Through the transmission to the manager terminal (400, 402) (S115).

The manager terminals 400 and 402 display identification card image data and image data (S116). The financial company employee may determine that the user's personal information is matched by comparing the image of the identification card displayed on the display unit of the manager terminals 400 and 402 to the image. At this time, the manager terminals 400 and 402 may capture image data displayed on the display unit of the manager terminals 400 and 402 according to the input of an employee of the financial company, and associate this with the identification card image to the manager terminal ( 400, 402).

The manager terminals 400 and 402 receive an input for confirming the authenticity of the identification card (S118). The manager terminals 400 and 402 may transmit information on the identification card to the server of the institution that issued the identification card according to the input of the financial company employee, and display the authenticity of the identification card. In this case, the identification card may include a resident registration card or a motor vehicle driver's license, and the issuing agency may include the Ministry of Public Administration and Security or the National Police Agency.

The manager terminals 400 and 402 transmit the identification card information to the identification card issuing agency server (S120). For example, the manager terminals 400 and 402 may transmit the information on the identification card to the issuing agency server by using the information on the issuing agency described in the previously detected identification card.

Then, the issuing authority server searches for identification card information stored in the issuing authority server that matches the information written on the identification card (S122). When the identification card information is retrieved, the issuing agency server generates a full text confirming that the identification card is an identification card issued by the issuing agency (S124). Alternatively, if the identification card information is not searched, the issuing agency server generates a full text confirming that the identification card is not an identification card issued by the issuing agency (S124).

Then, the issuing authority server transmits the generated authenticity confirmation message to the manager terminals 400 and 402 (S126). Then, the manager terminals 400 and 402 may display the authenticity of the identification card through the authenticity confirmation message.

In addition, the manager terminals 400 and 402 receive an input for confirming customer information (S128). Then, the manager terminals 400 and 402 transmit identification information to the financial institution server 100 according to the input of the financial institution employee (S130).

Then, the financial institution server 100 searches for customer information corresponding to the identification card information among customer information provided in the customer information D/B 213 (S132), and the customer corresponding to the identification card information with the manager terminals 400 and 402 The information is transmitted (S134).

The manager terminals 400 and 402 display at least one of the customer's personal information and the customer's member information included in the received customer information on the screen of the manager terminals 400 and 402 (S136).

Then, the financial company employee can inquire about customer information by voice through the sound output unit 364 of the financial terminal 300 using the microphone of the manager terminals 400 and 402. Alternatively, an employee of a financial institution may visually inquire about customer information through the display unit 361 of the financial terminal 300 using the keyboard of the manager terminals 400 and 402.

The user of the financial terminal 300 may respond with a voice through the microphone 322 to a query of an employee of the financial company, or by inputting letters or numbers through the user input unit 323 to respond.

According to the user's response, the financial company employee determines that the user's personal information is identical and inputs a user authentication confirmation to the manager terminals 400 and 402 (S138). That is, the financial institution employee may additionally query the user for information on the user through the display unit 361 or the sound output unit 364 of the financial terminal 300 to authenticate the user.

Accordingly, the manager terminals 400 and 402, upon receiving the authentication confirmation from the financial company employee, generate the authentication confirmation message (S140) and transmit the authentication confirmation message to the financial terminal 300 (S142).

The user authentication unit 381 of the financial terminal 300 on which the authentication confirmation message has been received completes user authentication and displays it on the display unit 361 (S144).

When the manager terminals 400 and 402 do not receive an authentication confirmation from the financial company employee or receive an unconfirmed input (S146), an unconfirmed message is generated (S148) and transmitted to the financial terminal 300 (S150).

The user authentication unit 381 of the financial terminal 300 on which the authentication unconfirmed message has been received terminates user authentication and displays it on the display unit 361 (S152).

Next, a biometric information authentication method will be described with reference to FIG. 8. When the user selects the authentication method through biometric information, the user authentication unit 381 uses a biometric sensor (vein sensor 311, fingerprint recognition sensor 312, eye recognition sensor 313, etc.) of the user. A guide screen for sensing is displayed on the display unit 361.

Then, the biometric sensor senses the user's biometric information (S160). For example, the vein sensor 311 senses the vein distribution pattern of the user's palm (or forearm, etc.) placed on it. The fingerprint recognition sensor 312 senses a user's fingerprint pattern placed thereon. The iris recognition sensor senses the iris pattern of the user's eye. The retinal recognition sensor senses the blood vessel pattern of the retina of the user's eye. In this case, the user authentication unit 381 may store the biometric information processed by the biometric sensor in the memory unit 350.

Next, the user authentication unit 381 transmits the biometric information to the financial institution server 100 (S162). In the case of the financial institution server 100 including the authentication server 700, the control unit 120 of the financial institution server 100 transmits the biometric information from the financial terminal 300 among the biometric information stored in the biometric information D/B 710. Biometric information matching the information is determined (S164).

And, if the biometric information transmitted from the financial terminal 300 matches the biometric information stored in the biometric information D/B 710, the control unit 120 of the financial institution server 100 transmits the biometric information from the biometric information D/B 710 to the biometric information. The customer information corresponding to the information is read (S166), an authentication confirmation message including the customer information is generated (S168), and transmitted to the financial terminal 300 (S170).

The user authentication unit 381 of the financial terminal 300 on which the authentication confirmation message has been received may complete user authentication (S172) and display it on the display unit 361.

If the biometric information transmitted from the financial terminal 300 does not match the biometric information stored in the biometric information D/B 710, the control unit 120 of the financial institution server 100 generates an unverified message (S174), It transmits to the terminal 300 (S176).

The user authentication unit 381 of the financial terminal 300 in which the authentication unconfirmed message is received terminates user authentication (S178).

Meanwhile, when the authentication server 700 and the financial institution server 100 are separately provided, the control unit 120 of the financial institution server 100 transmits biometric information to the external authentication server 700.

In addition, the external authentication server 700 determines biometric information that matches the biometric information transmitted from the financial institution server 100 among the biometric information stored in the biometric information D/B 710 (S164).

In addition, when matching biometric information is searched, the biometric information, customer information corresponding to the searched biometric information, and an authentication confirmation message may be transmitted to the financial institution server 100.

At this time, the validity checker 121 of the financial institution server 100 may also authenticate the validity of the biometric information received from the authentication server 700. For example, when the authentication server 700 is provided externally, the validity checker 121 may check the authentication authority of the biometric information, the validity of the validity period of the biometric information, and the like.

In another aspect, the user input unit 323 may further receive input of a user's resident registration number, password, etc. along with sensing biometric information. In addition, the user authentication unit 381 may transmit resident registration number information and password information to the financial institution server 100.

Then, the control unit 120 of the financial institution server 100 may search the financial institution server 100 for customer information corresponding to the resident registration number or password. The control unit 120 of the financial institution server 100 may search for biometric information corresponding to a corresponding customer from the biometric information D/B 710.

The control unit 120 of the financial institution server 100 may transmit the searched biometric information to the financial terminal 300. The user authentication unit 381 of the financial terminal 300 may determine whether the biometric information received from the financial institution server 100 matches the biometric information sensed by the biometric sensor.

When the biometric information matches each other, the user authentication unit 381 may complete user authentication (S172) and display it on the display unit 361. If the biometric information is different from each other, the user authentication unit 381 ends user authentication (S178).

When the above-described authentication step (S10) is completed, the financial terminal 300 provides a financial service to the authenticated user.

The financial service may include at least one of a deposit application, a fund application, a loan application, a deposit/withdrawal account application, an online service application, a check card application, a credit card application, a security card/OTP card issuance application, and a certificate issuance application.

Hereinafter, it is assumed that the financial service related to the embodiment is an online service application. Online service is a type of electronic finance, and is a service provided to handle financial business between banks and users using the Internet, public telephone networks, and mobile communication networks. When the online service application is completed, the user can use Internet banking or telebanking through the client terminals 10, 11, and 12.

Hereinafter, a method of providing a financial service according to an embodiment will be described with reference to FIGS. 9 to 16.

9 is a flow chart specifically showing the steps of providing a financial service of FIG. 4, and FIGS. 10 to 16 are exemplary diagrams showing screens displayed on a financial terminal according to a method of providing a financial service according to an embodiment.

First, in the financial service selection input receiving step (S100) of FIG. 5, after selecting a new financial service subscription, when the authentication step (S10) is completed, the professional generation unit 382 of the financial terminal 300 is A subscription message is generated (S204). In this case, the message generation unit 382 may generate a new subscription message for financial services including information on the authenticated user.

For example, the full text generation unit 382 may generate a full text including a business classification field, a customer number field, and a real name number field. A new subscription code for financial services may be input in the job classification field, and a customer number and a real name number included in customer information corresponding to an authenticated user among customer information stored in the customer information D/B 213 may be input.

Alternatively, when the authentication step (S10) is completed without proceeding with the financial service selection input receiving step (S100), the control unit 380 includes a plurality of objects corresponding to the financial services that the financial terminal 300 can provide. The selected financial service selection screen is displayed on the display unit 361 (S200).

According to an input (S202) for the user to select an object corresponding to a new subscription to a financial service from among a plurality of objects included in the financial service selection screen, the message generation unit 382 generates a new subscription message to the financial service (S204). In this case, the message generation unit 382 may generate a new subscription message for financial services including information on the authenticated user.

For example, the full text generation unit 382 may generate a full text including a business classification field, a customer number field, and a real name number field. A new subscription code for financial services may be input in the job classification field, and a customer number and a real name number included in customer information corresponding to an authenticated user among customer information stored in the customer information D/B 213 may be input.

The message processing unit 383 transmits the generated financial service new subscription message to the financial server 100 through the communication unit 340 (S206).

Then, the financial institution server 100 reads the customer status information corresponding to the authenticated user (S208). For example, the financial institution server 100 may use the customer number and the real name number to read information on the customer's financial service subscription status stored in the customer information D/B 213 of the financial institution system 200.

The electronic document generation unit 122 of the financial institution server 100 generates a customer status message including financial service subscription status information (S210), and the electronic document transmission unit 123 transfers the customer status message to the financial terminal 300. Transmit (S212).

Financial service subscription status information includes financial service not subscribed, normal, transfer password not registered, subscription number error count exceeded, transfer password error count exceeded, security media error count exceeded, funds transfer not used for 12 months, branch termination, customer termination, and unregistered 3 business days It may contain information on one of.

In addition, the customer status message may include customer status information, such as customers under the age of 14 and no unsolicited accounts.

Then, the control unit 380 of the financial terminal 300 determines the financial service subscription status of the customer using the received customer status message (S214).

The controller 380 displays a screen guiding other financial services when it is determined that the customer is under the age of 14 from the customer status information of the customer status message or is in the status of having no request account (S216).

Alternatively, when it is determined that the customer is not in the financial service subscription status from the financial service subscription status information of the customer status, the controller 380 displays a new subscription guide screen (S226). Specifically, the controller 380 may determine that the customer has not subscribed to the financial service when the subscription status of the financial service specialized in the customer status is not subscribed.

Alternatively, when it is determined from the financial service subscription status information of the customer status that the customer has already subscribed to the financial service, the control unit 380 displays a re-subscription request screen (S218).

Specifically, the controller 380 may determine that the customer is in a normal financial service subscription state when the customer status professional financial service subscription status is normal.

In addition, the control unit 380 determines that the subscription status of the financial service specialized in customer status is not registered with a transfer password, exceeded the number of errors in the subscription number, exceeded the number of errors in the transfer password, exceeded the number of errors in security media related to the online service, and did not transfer funds for 12 months In the case of any one of cancellation, customer cancellation, and non-registration cancellation for 3 business days, it may be determined that the customer is in an abnormal financial service subscription state.

A case where it is determined that the customer has already subscribed will be described with reference to FIG. 10. As illustrated in FIG. 10, the controller 380 may display a re-subscription request screen on the second display unit 363.

On the re-registration request screen, a guide phrase 1000 indicating that the customer has already subscribed to the financial service, an induction phrase 1002 that induces re-registration, an object 1010 for re-subscribing to the financial service, and additional financial services related An object 1011 for requesting a service may be included, and an object 1012 for terminating the financial service providing step S20 may be further included.

When an object 1011 for applying for an additional service related to a financial service is selected by the user, the controller 380 may display a screen for providing the selected additional service.

For example, an online service non-subscription withdrawal account may be opened in the name of a customer other than a withdrawal account related to the online service. The user may apply for an online service even for an online service unsubscribed withdrawal account using the financial terminal 300. At this time, the control unit 380 receives information on the online service non-subscription withdrawal account from the customer's name from the financial institution server 100 in order to provide an online service to at least one of the online service non-subscription withdrawal accounts, A screen for applying for an online service may be displayed on the display unit 361.

On the other hand, when it is determined that the customer is in a normal pre-subscription state, the control unit 380 displays a re-subscription request screen including an object 1011 for applying for additional services related to financial services, and determines that the customer is in an abnormal pre-subscription state. When the object 1011 is omitted, the object 1011 for applying for an additional service related to the financial service may be omitted, and a re-registration request screen may be displayed.

When the object 1010 for proceeding the re-subscription procedure is selected by the user (S220), the message generation unit 382 generates an existing subscription cancellation message, and the message processing unit 383 is generated through the communication unit 340. The existing subscription termination message is transmitted to the financial institution server 100 (S222).

Then, the financial institution server 100 changes the financial service subscription status information of the customer stored in the customer information D/B 213 of the financial institution system 200 (S224). For example, the financial company server 100 may change a customer's financial service subscription state stored in the customer information D/B 213 to an unsubscribed state.

Meanwhile, when the object 1010 for proceeding with the re-subscription procedure is selected (S220) by the user, the control unit 380 displays a new subscription guide screen (S226).

Referring also to FIG. 11, the controller 380 may display a new subscription guide screen on the second display unit 363. On the new subscription guide screen, a guide phrase 1100 indicating that it is a new guide screen, a guide phrase 1102 for a financial service to be subscribed to, and an object 1110 for continuing the financial service subscription process may be displayed. Financial service provision An object 1112 for ending step S20 may be further displayed.

When the object 1110 for continuing the financial service subscription procedure is selected by the user, the control unit 380 displays a screen for agreement to the terms (S228).

Referring to FIG. 12 together, the controller 380 may display a terms and conditions agreement screen on the second display unit 363. The terms and conditions consent screen includes a guide phrase 1200 indicating that the terms and conditions are agreed upon, a plurality of areas 1210 and 1220 that separate and display the terms and conditions when there are multiple terms, and objects 1212 for specifically displaying each of the terms and conditions. 1222), a plurality of scroll bars (1214, 1224) for scrolling each of the terms and conditions, objects 1216, 1226 for agreeing to each of the terms and conditions, and scrolling a plurality of areas (1210, 1220) A scroll bar 1230 for and an object 1240 for continuing the financial service subscription procedure may be displayed, and an object 1242 for ending the financial service providing step S20 may be further displayed.

When the user selects the objects 1216 and 1226 for agreeing to the terms and conditions, and selects the object 1240 for continuing the financial service subscription procedure, the control unit 380 displays a screen for requesting a new service ( S230).

13 and 14 together, the controller 380 may display a new service request screen on the second display unit 363. On the new service request screen, a guide phrase 1300 indicating that it is a new service request screen, user information, selection of a security medium, and a plurality of areas 1310, 1320, and 1330 for receiving input by classifying and receiving a transfer limit may be displayed.

First, the area 1310 for receiving user information may include an area 1312 for inputting a user ID, an area 1314 for inputting a transfer password, and an area 1316 for re-entering a transfer password.

When any one of the plurality of areas 1312, 1314, and 1316 is selected by the user, as shown in FIG. 14, the controller 380 provides an input means (for example, a virtual The keyboard) 1400 may be displayed together.

Then, the user may input letters or numbers for input into the selected area through the input means 1400, and the controller 380 may display the inputted characters or numbers in the selected area.

The area 1320 for receiving the selection of a security medium may include objects 1321 and 1322 for selecting a used medium and objects 1323, 1324 and 1325 for selecting a security medium.

The user may appropriately select the objects 1321, 1322, 1323, 1324, and 1325 to determine a medium to be used and a security medium for receiving financial services.

In the area 1330 for receiving the transfer limit, an area 1331 for setting the one-time transfer limit for the integrated media used, the area 1332 for setting the daily transfer limit for the integration of the media used, and the one-time transfer limit for phone banking are set. An area 1333 for setting a daily transfer limit for phone banking and an area 1334 for setting a daily transfer limit for phone banking may be included.

When any one of the plurality of areas 1331, 1332, 1333, 1334 is selected by the user, the control unit 380 provides the input means 1400 to the second display unit 363 as shown in FIG. 14. Can be displayed together.

Then, the user may input letters or numbers for input into the selected area through the input means 1400, and the controller 380 may display the inputted characters or numbers in the selected area.

On the new service request screen, an object 1340 for continuing the financial service subscription procedure and an object 1342 for ending the financial service provision step S20 may be further displayed.

After the user inputs the user information and the transfer limit, and after completing the selection of the security medium, when the object 1340 for continuing the financial service subscription process is selected, the professional creation unit 382 includes the input user information. The user information verification processing message is generated (S232), and the message processing unit 383 transmits the generated user information verification processing message to the financial institution server 100 through the communication unit 340 (S234).

The full text of user information verification processing may include the user ID and transfer password entered by the user. In addition, the user information verification processing message may further include a customer number and a real name number.

The electronic document generation unit 122 of the financial institution server 100 receiving the user information verification processing message generates a user information verification message (S236), and the electronic document transmission unit 123 transmits the user information verification message to the financial terminal 300 ) To transfer (S212).

The user information verification full text may include a result value according to the availability of a user ID and a transfer password for using a financial service.

For example, the control unit 120 of the financial institution server 100 determines whether the same ID as the user ID included in the user information verification processing message is retrieved from the customer information D/B 213, the transfer password is the date of birth of the customer, and the phone number. It is possible to determine whether to include a number, etc., and calculate a result value to be included in the user information verification message according to the determination result. Then, the electronic document generation unit 122 may generate a user information verification full text including the calculated result value.

The control unit 380 of the financial terminal 300 that has received the user information verification message displays a financial service request item if the result value included in the user information verification message is a value corresponding to the usable value (S240). If the result value included in the user information verification message is a value that is not usable, the controller 380 may display the service request screen again (S230).

Referring to FIG. 15, the controller 380 may display a financial service request item on the second display unit 363. In the financial service request item, a guide phrase 1500 indicating that it is a financial service application item, an object 1510 for selecting an account for using a financial service, an object 1520 for inputting a phone number for receiving notification of major transactions, An object 1522 selected to receive notification of a major transaction through a message, and objects 1524, 1526, and 1528 requesting an additional service of a financial service may be displayed.

In the financial service request item, an object 1530 for continuing the financial service subscription procedure and an object 1532 for terminating the financial service provision step S20 may be further displayed.

When the user selects an account for using financial services, enters a phone number to receive notification of major transactions, and then selects the object 1532 for continuing the financial service subscription process, the control unit 380 confirms the final A screen is displayed (S242).

Referring to FIG. 16, the controller 380 may display a final confirmation screen on the second display unit 363. The final confirmation screen may include a guide text 1600 indicating the final confirmation screen, and an area 1610 in which the information inputted in the service application screen display step S230 and the financial service application item display step S240 are displayed. The information entered in the service application screen display step (S230) and the financial service application item display step (S240) is the withdrawal account number, user ID, whether to apply for notification of important transactions, phone number for requesting notification of important transactions, whether to apply for additional services, and the media used. , Security media, phone banking one-time transfer limit, phone banking 1-day transfer limit, integrated one-time transfer limit, and integrated daily transfer limit.

The final confirmation screen includes an object 1620 for continuing the financial service subscription procedure, an object 1622 for ending the financial service provision step S20, and an object for returning to the previous financial service application screen display step S240 ( 1624) may be further displayed.

* When the user selects the object 1620 for continuing the financial service subscription procedure, the professional creation unit 382 stores the information input in the service application screen display step S230 and the financial service application item display step S240. A new processing message for financial services to be included is generated, and the professional processing unit 383 transmits the generated new processing message for financial services to the financial institution server 100 through the communication unit 340 (S244).

The financial institution server 100 completes the new subscription process for financial services by using the information included in the financial service processing message (S246). The financial institution server 100 may store information included in the financial service processing text in the ledger D/B 211 and the customer information D/B 213. For example, the financial company server 100 may change and store a customer's financial service subscription state stored in the customer information D/B 213 to a normal state.

The financial terminal 300 and a method for providing financial services using the same according to the embodiment process a user subscription in consideration of the user's subscription state of the financial service, so that the user can conveniently receive financial services.

When a customer subscribes to a financial service using the financial terminal 300, the customer may not know the subscription status for the financial service. Accordingly, even when the customer is in an abnormal financial service subscription state, the customer can proceed with the financial service subscription using the financial terminal 300. In this case, since the customer has already subscribed, there is an inconvenience of canceling the ongoing subscription procedure using the financial terminal 300 and terminating the corresponding financial service first. In addition, there was an inconvenience of having to proceed with the registration process again after the termination process is completed. In the financial terminal 300 of the embodiment and a method for providing financial services using the same, since the termination procedure and the subscription procedure are continuously performed, there is an effect of increasing the efficiency of the customer's business processing.

The above-described embodiment can be implemented as a computer-readable code on a medium in which a program is recorded. The computer-readable medium includes all types of recording devices that store data that can be read by a computer system. Examples of computer-readable media include hard disk drives (HDDs), solid state disks (SSDs), silicon disk drives (SDDs), ROMs, RAM, CD-ROMs, magnetic tapes, floppy disks, optical data storage devices, etc. There is also a carrier wave (for example, transmission over the Internet) also includes the implementation in the form of. In addition, the computer may include a control unit of the terminal. Therefore, the detailed description above should not be construed as restrictive in all respects and should be considered as illustrative. The scope of the present invention should be determined by reasonable interpretation of the appended claims, and all changes within the equivalent scope of the present invention are included in the scope of the present invention.

100: financial company server 200: financial company system
300: financial terminal 310: sensor unit
320: input unit
340: communication unit 350: memory unit
360: output unit 370: short-range wireless communication unit
380: control unit

Claims (10)

Display,
The communication unit that communicates with the financial company server,
A recognition unit that senses a fingerprint pattern,
A user authentication unit for authenticating a user using the fingerprint pattern input from the recognition unit, and
After the user authentication is completed in the user authentication unit, a screen for proceeding with the online service subscription procedure according to the online service subscription status of the user, a screen for proceeding with the online service re-subscription procedure, and additional items related to the online service A control unit that displays any one of the screens for requesting a service on the display unit
Including,
The online service subscription status includes the online service not registered, the online service normally registered, and the online service's transfer password not registered, the online service subscription number exceeded the number of errors, the transfer password error count exceeded, the security media error related to the online service. It is determined based on subscription status information including at least one of exceeding the number of times, not using funds transfer for 12 months, canceling the branch, canceling the customer, and canceling the registration for 3 business days,
When the subscription status information of the user includes only information corresponding to the online service non-subscription, the subscription status of the user is non-subscription status, and when the subscription status information includes only information corresponding to the normal subscription to the online service, the If the user's subscription status is a normal subscription status, and the subscription status information includes information other than information corresponding to the online service non-subscription and the online service normal subscription, the subscription status of the user is abnormal. Subscribed,
Terminal. Display,
The communication unit that communicates with the financial company server,
The recognition unit is a recognition unit that scans the user's ID card,
A user authentication unit for authenticating the user using the identification card image data scanned from the recognition unit, and
After the user authentication is completed in the user authentication unit, a screen for proceeding with the online service subscription procedure according to the online service subscription status of the user, a screen for proceeding with the online service re-subscription procedure, and additional items related to the online service A control unit that displays any one of the screens for requesting a service on the display unit
Including,
The online service subscription status includes the online service not subscribed, the online service normal subscription, and the online service transfer password not registered, the online service subscription number exceeded the number of errors, the transfer password error count exceeded, the security media error related to the online service. It is determined based on subscription status information including at least one of exceeding the number of times, not using funds transfer for 12 months, canceling the branch, canceling the customer, and canceling the registration for 3 business days,
When the subscription status information of the user includes only information corresponding to the online service non-subscription, the subscription status of the user is non-subscription status, and when the subscription status information includes only information corresponding to the normal subscription to the online service, the If the user's subscription status is a normal subscription status, and the subscription status information includes information other than information corresponding to the online service non-subscription and the online service normal subscription, the subscription status of the user is abnormal. Subscribed,
Terminal. The method according to claim 1 or 2,
When the first object for proceeding with the online service re-subscription procedure in the screen for proceeding with the online service re-subscription procedure is selected, the control unit requests the financial institution server to cancel the subscription for the online service by the user through the communication unit doing,
Terminal. The method according to claim 1 or 2,
When a second object for proceeding with the online service-related supplementary service request procedure in the screen for applying for the online service-related supplementary service is selected, the control unit transmits the supplementary service of the user from the financial institution server through the communication unit. To receive information related to,
Terminal. The method according to claim 1 or 2,
When a third object for proceeding with the online service subscription procedure in the screen for proceeding with the online service subscription procedure is selected, the control unit displays a screen for agreement to the terms and conditions,
Terminal. The recognition unit senses the user's fingerprint pattern,
A step of authenticating a user using the fingerprint pattern input from the recognition unit, by a user authentication unit, and
After the user authentication is completed by the user authentication unit, the control unit includes a screen for proceeding with the online service subscription procedure according to the online service subscription status of the user, a screen for proceeding with the online service re-subscription procedure, and the online service Displaying any one of the screens for requesting additional services related to the display unit
Including,
The online service subscription status includes the online service not registered, the online service normally registered, and the online service's transfer password not registered, the online service subscription number exceeded the number of errors, the transfer password error count exceeded, the security media error related to the online service. It is determined based on subscription status information including at least one of exceeding the number of times, not using funds transfer for 12 months, canceling the branch, canceling the customer, and canceling the registration for 3 business days,
When the subscription status information of the user includes only information corresponding to the online service non-subscription, the subscription status of the user is non-subscription status, and when the subscription status information includes only information corresponding to the normal subscription to the online service, the If the user's subscription status is a normal subscription status, and the subscription status information includes information other than information corresponding to the online service non-subscription and the online service normal subscription, the user's subscription status is abnormal. Subscribed,
How to provide online services. The recognition unit scans the user's identification card,
The user authentication unit, authenticating the user by using the identification card image data scanned from the recognition unit, and
After the user authentication is completed by the user authentication unit, the control unit includes a screen for proceeding with the online service subscription procedure according to the online service subscription status of the user, a screen for proceeding with the online service re-subscription procedure, and the online service Displaying any one of the screens for requesting additional services related to the display unit
Including,
The online service subscription status includes the online service not registered, the online service normally registered, and the online service's transfer password not registered, the online service subscription number exceeded the number of errors, the transfer password error count exceeded, the security media error related to the online service. It is determined based on subscription status information including at least one of exceeding the number of times, not using funds transfer for 12 months, canceling the branch, canceling the customer, and canceling the registration for 3 business days,
When the subscription status information of the user includes only information corresponding to the online service non-subscription, the subscription status of the user is non-subscription status, and when the subscription status information includes only information corresponding to the normal subscription to the online service, the If the user's subscription status is a normal subscription status, and the subscription status information includes information other than information corresponding to the online service non-subscription and the online service normal subscription, the subscription status of the user is abnormal. Subscribed,
How to provide online services. The method according to claim 6 or 7,
When the first object for performing the online service re-subscription procedure in the screen for proceeding with the online service re-subscription procedure is selected, the control unit requesting the financial institution server to cancel the subscription for the online service by the user through the communication unit
Online service providing method further comprising. The method according to claim 6 or 7,
When the second object for proceeding with the additional service application procedure related to the online service in the screen for applying for the additional service related to the online service is selected, the control unit related to the additional service of the user from the financial institution server through the communication unit. Steps to receive information
Online service providing method further comprising. The method according to claim 6 or 7,
When a third object for proceeding with the online service subscription procedure in the screen for proceeding with the online service subscription procedure is selected, the control unit displaying a screen for agreement to the terms and conditions
Online service providing method further comprising.

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