KR102297049B1 - Exchange kiosk apparatus linked with payment service - Google Patents

Abstract

The present invention relates to an unmanned currency exchange device interlocked with a payment settlement service, comprising: an input unit which receives a user's input signal; a currency exchange processing unit which communicates with a currency exchange server to process currency exchange according to currency exchange request information when payment of a currency exchange request amount is confirmed by being interlocked with a payment service selected as a payment method of the currency exchange request amount; a code recognition unit which extracts payment service information from a recognized code and transmits the information to the currency exchange processing unit; an output unit which outputs guide information for currency exchange, the currency exchange request information, and a currency exchange processing state of the currency exchange processing unit; a scanning unit which scans an identification card; a control unit which provides money withdrawn according to the processing of currency exchange; and a money withdrawal unit which withdraws money provided by the control unit. Therefore, it is safe and convenient since currency exchange can be performed without cash or a physical card by enabling the code recognition unit to recognize a code for payment while the unmanned currency exchange device processes currency exchange, to enable a user to pay an amount requested for currency exchange by using the payment settlement service.

Description

Unmanned currency exchange device linked to payment service {EXCHANGE KIOSK APPARATUS LINKED WITH PAYMENT SERVICE}

The present invention relates to an unmanned currency exchange device, and more particularly, to an unmanned currency exchange device interlocked with a payment and settlement service.

Exchange refers to exchanging won for another country's currency (hereinafter referred to as 'foreign currency'). Customers who need to exchange money directly visit an exchange office such as a bank to conduct the exchange procedure, and on the same day the exchange procedure is performed. It is common to receive foreign currency based on the exchange rate of However, since there are usually fewer bankers working at foreign currency counters in banks compared to other financial services, business processing is often not smooth. There is a problem in that the waiting time for the exchange procedure is inevitably long because the exchange office is visited for the purpose of exchange.

Accordingly, recent currency exchange offices provide online currency exchange services to solve the problem of currency exchange procedures through direct visits to increase customer convenience. The exchange procedure saves unnecessary waiting time, but the receipt of exchanged foreign currency has to be done in person. There is a problem that has to be dealt with.

On the other hand, customers who need to exchange currency for departure from other countries must visit the currency exchange office and store the exchange currency they received until they leave the country. There are also problems that arise.

Therefore, it is necessary to develop a technology that can completely omit the labor and unnecessary waiting time of customers for direct visits to proceed with the exchange procedure and receive the exchanged foreign currency, and to solve problems that occur during the storage of foreign currency. .

On the other hand, as prior art related to the present invention, Patent Registration No. 10-1600684 (title of the invention: unmanned currency exchange terminal and currency exchange method thereof, registration date: February 29, 2016) and the like have been disclosed.

The present invention has been proposed to solve the above problems of the previously proposed methods, and while performing currency exchange in an unmanned currency exchange device, a code for payment settlement is recognized by a code recognition unit to pay an exchange application amount using a payment settlement service. It is safe and convenient because it is possible to exchange money without cash or a physical card, and it is possible to solve problems that may occur in the process of storing foreign currency by exchanging money through an unmanned currency exchange device installed in an appropriate location, and to exchange money without an employee face-to-face. The purpose of this is to provide an unmanned currency exchange device linked with a payment and settlement service that can exchange money conveniently without time restrictions.

In addition, the present invention analyzes the user's appearance taken by the camera and outputs it by optimizing the output language, the size of the image or sound, the image output location, etc. Another purpose is to provide an unmanned currency exchange device that can be used and linked to a payment and settlement service.

An unmanned currency exchange device interlocked with a payment and settlement service according to a feature of the present invention for achieving the above object,

An unmanned currency exchange device linked to a payment and settlement service that uses a payment and settlement service as a payment method for an exchange application amount,

an input unit for receiving a user's input signal;

When the exchange application information including the exchange request amount is input through the input unit, and the payment of the exchange request amount is confirmed in conjunction with the payment service selected as the payment method of the exchange request amount, the exchange request is communicated with the exchange server to apply for the exchange Currency exchange processing unit for processing the exchange according to the information;

a code recognition unit for recognizing any one code selected from the group including a barcode and a QR code as a code for payment and settlement, extracting payment and settlement service information from the recognized code and delivering it to the exchange processing unit;

an output unit for outputting guide information for currency exchange, the exchange application information, and the exchange processing state of the exchange processing unit;

a scanning unit that scans an identification card;

a control unit that provides the money withdrawn according to the processing of currency exchange; and

and a money withdrawal unit for withdrawing money provided by the control unit,

The exchange processing unit,

It is characterized in that the payment of the currency exchange application amount is checked using the payment settlement service information received from the code recognition unit in conjunction with the payment and settlement service, and the exchange of the currency exchange application amount for which payment is confirmed is processed.

Preferably, the payment settlement service,

It may be a fintech service linked to a credit card or bank account, or a fintech service using pre-loaded pay points.

Preferably, the code recognized by the code recognition unit,

As a code for payment and settlement, it is output to the user terminal according to the payment service used by the user, and may be valid only for a predetermined time.

Preferably, the exchange application information is

It may include a user name, user identification information, a type of currency exchanged, and an amount requested for exchange.

Preferably,

The input unit receives the selection of the quantity of each type of currency as an input,

The control unit may provide the money to be withdrawn according to the input quantity for each type of currency to the money dispensing unit.

Preferably,

a camera unit installed in front of the unmanned currency exchange device to photograph a user who exchanges money; and

and an image analysis unit that analyzes the image taken by the camera unit and predicts the user's language, age, and body characteristics using a pre-learned AI-based prediction model,

The control unit may control at least one of an output method including an output language of the output unit, a size of an image or sound, and an image output position according to the user's language, age, and body characteristics predicted by the image analysis unit. can

More preferably,

The image analysis unit may further include an advertisement providing unit that provides a customized advertisement through the output unit using at least one of the user's language, age group, and body characteristics predicted by the image analysis unit, and the type of currency exchange included in the currency exchange application information. have.

Preferably,

an information transmitter for transmitting the exchange application information and the ID scanned by the scanning unit to the exchange server; and

It may further include a receipt output unit for outputting a receipt for the exchange receipt.

According to the unmanned currency exchange device linked to the payment and settlement service proposed in the present invention, by recognizing the code for payment settlement in the code recognition unit while exchanging in the unmanned currency exchange device, the exchange application amount can be paid using the payment settlement service. , it is safe and convenient to exchange money without cash or physical card, and it is possible to solve problems that may occur in the process of storing foreign currency by exchanging money through an unmanned currency exchange device installed in an appropriate location. You can exchange money conveniently without any restrictions.

In addition, according to the unmanned currency exchange device linked to the payment and settlement service proposed in the present invention, the image of the user photographed by the camera is analyzed and output language, the size of the image or sound, the image output position, etc. are optimized and output, Even customers who are not familiar with the use of unmanned currency exchange machines can use it easily and comfortably.

1 is a diagram illustrating the configuration of an entire system including an unmanned currency exchange device interlocked with a payment and settlement service according to an embodiment of the present invention.
2 is a diagram illustrating a detailed configuration of an unmanned currency exchange device interlocked with a payment and settlement service according to an embodiment of the present invention.
3 is a diagram illustrating an unmanned currency exchange device interlocked with a payment and settlement service according to an embodiment of the present invention.
4 is a diagram illustrating a flow of a process of receiving currency exchange from a user's point of view using an unmanned currency exchange device linked to a payment and settlement service according to an embodiment of the present invention.

Hereinafter, preferred embodiments will be described in detail so that those of ordinary skill in the art can easily practice the present invention with reference to the accompanying drawings. However, in describing a preferred embodiment of the present invention in detail, if it is determined that a detailed description of a related known function or configuration may unnecessarily obscure the gist of the present invention, the detailed description thereof will be omitted. In addition, the same reference numerals are used throughout the drawings for parts having similar functions and functions.

In addition, throughout the specification, when a part is 'connected' with another part, it is not only 'directly connected' but also 'indirectly connected' with another element interposed therebetween. include In addition, "including" a certain component means that other components may be further included, rather than excluding other components, unless otherwise stated.

1 is a diagram illustrating the configuration of an entire system including an unmanned currency exchange device 100 interlocked with a payment and settlement service according to an embodiment of the present invention. As shown in FIG. 1 , the unmanned currency exchange device 100 interlocked with the payment and settlement service according to an embodiment of the present invention includes the exchange server 300 so as to receive foreign currency corresponding to the exchange application amount according to the current exchange rate. ) as a device that communicates with and exchanges money, and may have a function to enable payment of the exchange request amount with a payment service rather than cash or a physical card in conjunction with a payment and settlement service. The unmanned currency exchange device 100 may be installed wherever necessary, but in particular, it may be installed at an airport, a port, a station, a cruise ship, a branch of a financial institution, and the like. Here, the unmanned exchange device 100 may provide to receive foreign currency in the case of exchange of foreign currency into won, and foreign currency in the case of exchange of foreign currency into foreign currency.

That is, the user can pay the exchange application amount through the payment settlement service while performing currency exchange by inputting exchange application information and paying the exchange application amount in the unmanned currency exchange device 100 installed at a convenient place such as an airport or a port. Conventionally, if a user fails to exchange money in advance when traveling or on a business trip, it is not easy to exchange money during times when currency exchange offices such as airports are not in operation. There were difficulties. In addition, if you do not prepare in advance such as dollars or euros, which are easy to exchange, there is a problem that you cannot exchange money even if you have cash when you have a currency that is difficult to exchange. However, by using the unmanned currency exchange device 100 linked to the payment and settlement service according to an embodiment of the present invention, it is possible to exchange money using the payment and settlement service normally used at a convenient time and place such as an airport on the departure date, so that the user's You can maximize your satisfaction with currency exchange.

Here, the payment and settlement service may be a fintech service connected to a credit card or bank account, or a fintech service using pre-charged pay points. That is, the payment and settlement service is a kind of fintech service area, and may mean various pay services such as PayPal, Apple Pay, Samsung Pay, Kakao Pay, Naver Pay, and Alipay.

The user terminal 200 may be a user's electronic device capable of outputting a payment settlement code for a payment settlement service. Here, the electronic device includes a smartphone, a tablet PC (personal computer), a mobile phone, a video phone, an e-book reader, a laptop PC, a netbook computer, a personal digital assistant (PDA), a media box, It may include at least one of a game console, an electronic dictionary, or a wearable device, and the wearable device is an accessory type (eg, a watch, a ring, a bracelet, an anklet, a necklace, glasses, a contact lens, or a head wearable device ( includes at least one of an HMD, head-mounted-device, textile or garment integral (e.g. electronic garment), body-mounted (e.g. skin pad or tattoo), or implantable circuit. In various embodiments, the electronic device is not limited to the aforementioned devices, and may be a combination of two or more of the aforementioned various devices.

The exchange server 300 may be a server that provides a currency exchange service through network communication with the unmanned currency exchange device 100 . More specifically, the exchange server 300 may be a server of an institution that provides a currency exchange service, such as a financial institution or a currency exchange office. Here, the network is a wired network such as a local area network (LAN), a wide area network (WAN) or a value added network (VAN), or a mobile radio communication network, a satellite communication network, It may be implemented in all types of wireless networks such as Bluetooth, Wireless Broadband Internet (Wibro), High Speed Downlink Packet Access (HSDPA), Long Term Evolution (LTE), and 5th Generation Mobile Telecommunication (5G).

2 is a diagram illustrating a detailed configuration of an unmanned currency exchange device 100 linked to a payment and settlement service according to an embodiment of the present invention. As shown in FIG. 2 , the unmanned currency exchange device 100 interlocked with the payment and settlement service according to an embodiment of the present invention includes an input unit 105 , a currency exchange processing unit 110 , a code recognition unit 115 , and an output unit. 120, the scanning unit 125, the control unit 130, and may be configured to include a money withdrawal unit 135, the information transmission unit 140, the receipt output unit 145, the camera unit 150, image analysis It may be configured to further include a unit 155 and an advertisement providing unit 160 .

3 is a diagram illustrating an unmanned currency exchange device 100 linked to a payment and settlement service according to an embodiment of the present invention. As shown in FIG. 3 , the unmanned currency exchange device 100 interlocked with the payment and settlement service according to an embodiment of the present invention is a device operated in the form of a kiosk, even without an employee resident through the unmanned currency exchange device 100 . Currency exchange can be processed without time limit.

Hereinafter, each component of the unmanned currency exchange device 100 linked to the payment and settlement service according to an embodiment of the present invention will be described in detail with reference to FIGS. 2 and 3 .

The input unit 105 may receive a user's input signal. The input unit 105 may be implemented as a touch screen or a button, and may receive and process various input signals such as a user's button manipulation and touch.

The exchange processing unit 110 receives the exchange application information including the exchange application amount through the input unit 105, and when the payment of the exchange request amount is confirmed in conjunction with the payment settlement service selected as the payment method of the exchange application amount, It can communicate with the server 300 to process currency exchange according to the exchange application information. That is, the exchange processing unit 110 may receive the user's currency exchange application information through the input unit 105 , and communicate with the payment and settlement service and the exchange server 300 to process the exchange requested by the user.

Here, the exchange application information may include a user name, user identification information, a currency exchange type, and an exchange request amount. That is, the currency exchange application information includes the type of currency exchanged for the user and the amount requested for exchange, and may further include user information, type of currency, and the like.

At this time, the user can select the payment method of the currency exchange application amount through the input unit 105, and the unmanned currency exchange device 100 linked with the payment and settlement service according to an embodiment of the present invention is a payment method of the exchange application amount. By making payment and settlement services available, it is possible to exchange money without cash or a physical card, thereby improving user convenience. In addition, as for currency exchange application information, user name, user identification information, etc. can be input if necessary for foreign exchange management, where user identification information is information that can identify the user, such as mobile phone number, date of birth, resident registration number, account number , ID, member number, etc. may be various.

The code recognition unit 115 may recognize any one code selected from the group including a barcode and a QR code as a code for payment and settlement, extract payment and settlement service information from the recognized code, and deliver it to the exchange processing unit 110 . have. That is, the unmanned currency exchange device 100 may receive a payment method of the exchange application amount selected through the input unit 105 , and when the user selects a payment settlement service, the code recognition unit 115 may be activated. The user may recognize the code for payment and settlement by approaching the activated code recognition unit 115 . The code recognition unit 115 recognizes the code, extracts payment and settlement service information, and transmits it to the currency exchange processing unit 110, and the currency exchange processing unit 110 interworks with the payment and settlement service to link the payment and settlement services received from the code recognition unit 115. It is possible to check the payment of the currency exchange application amount using the service information, and process the exchange of the currency exchange application amount for which payment is confirmed.

In this case, the code recognized by the code recognition unit 115 is a code for payment and is output to the user terminal 200 according to the payment service used by the user, and may be valid only for a predetermined time. That is, when the predetermined time is exceeded, even if the code recognition unit 115 recognizes the corresponding code, it may be impossible to extract the user's payment service information from the code. Therefore, it is possible to prevent others from using the payment and settlement service by stealing the code.

The output unit 120 may output guide information for currency exchange, currency exchange application information, and a currency exchange processing state of the exchange processing unit 110 . In this case, the output unit 120 may include a display that outputs a visual output and a speaker that outputs an auditory output, and may include various output devices as necessary. According to the output guide information, the user can enter currency exchange application information to proceed with currency exchange, and can also check exchange rate information. In addition, by checking the currency exchange processing status of the currency exchange processing unit 110 in real time, it is also possible to monitor the processing status.

The scanning unit 125 may scan an identification card. When exchanging money, it is sometimes necessary to store information such as an ID card of a customer who has exchanged money, so an ID card such as a passport, resident registration card, or driver's license can be scanned through the scanning unit 125 .

The control unit 130 may provide the money withdrawn according to the exchange process. In this case, the input unit 105 may receive a selection of the quantity for each denomination type, and the controller 130 may provide the money to be withdrawn according to the input quantity for each denomination type to the money withdrawal unit 135 . When the exchange application information includes the amount of each currency denomination, the controller 130 may provide the currency to be withdrawn without a separate input. In addition, the control unit 130 may control all other components including the input unit 105 and the output unit 120 .

The money withdrawal unit 135 may withdraw money provided by the control unit 130 . That is, as shown in FIG. 3 , the money withdrawal unit 135 counts and withdraws money so that the user can receive money. You can insert money to prevent others from taking it.

The information transmitter 140 may transmit the exchange application information and the ID scanned by the scan unit 125 to the exchange server 300 . That is, the information transmitting unit 140 may transmit, to the exchange server 300 , documents such as exchange application information required for exchange and an ID required for exchange through the network. In addition, the payment and settlement service information extracted from the code recognition unit 115 may be transmitted to the server that provides the payment and settlement service, so that the payment of the currency exchange application amount is processed.

The receipt output unit 145 may output a receipt for exchange receipt. That is, the exchange result including the exchange amount, fee, and received currency information may be output as a receipt. According to an embodiment, the electronic receipt may be provided to the user terminal 200 in the form of an e-mail, a message, an application, or the like.

The camera unit 150 may be installed on the front of the unmanned currency exchange device 100 to photograph a user who exchanges money. More specifically, the camera may be a CCTV camera that takes a picture of a user using the unmanned currency exchange device 100 .

The image analysis unit 155 may analyze the image captured by the camera unit 150 and predict the user's language, age, and body characteristics using a pre-learned AI-based prediction model. Here, the prediction model may be based on a convolutional neural network (CNN) specialized for image processing, or an artificial neural network that combines a CNN and a long short-term memory (LSTM) recurrent neural network (RNN) may be used.

The image analysis unit 155 may predict the user's nationality, age group, physical characteristics (use of a wheelchair, visually impaired, etc.), etc., using the AI-based prediction model as described above through image analysis. The control unit 130 is an output method including an output language of the output unit 120 , a size of an image or sound, and an image output position according to the user's language, age, and body characteristics predicted by the image analysis unit 155 . At least one of them may be controlled. For example, if you are a Korean, you can provide the language in Korean, if you are a foreigner, you can provide the language, and if you are an elderly person, you can increase the volume of the output text or sound. You can do it without difficulty.

The advertisement providing unit 160 outputs a customized advertisement using at least one of the user's language, age, and body characteristics predicted by the image analysis unit 155, and the type of currency exchange included in the currency exchange application information to the output unit 120 ) can be provided through For example, domestic cosmetics shopping information and discount coupons may be provided as customized advertisements to a young woman who uses Chinese as a language and receives Korean Won in the unmanned currency exchange device 100 . By providing such a customized advertisement, the advertisement effect can be increased, and additional revenue can be expected as well as the exchange fee, and the use of the unmanned currency exchange device 100 can be promoted by providing a discount coupon.

4 is a diagram illustrating a flow of a process of receiving currency exchange from a user's point of view using the unmanned currency exchange device 100 linked to a payment and settlement service according to an embodiment of the present invention. As shown in FIG. 4 , in the unmanned currency exchange device 100 interlocked with the payment and settlement service according to an embodiment of the present invention, the user visits the unmanned currency exchange device 100 to change the exchange application amount, exchange currency type, and the like. Input the exchange application information included, select the payment settlement service as the payment method of the exchange application amount (S100), and recognize the payment settlement code such as the QR code displayed on the user terminal 200 to the code recognition unit 115 When you pay the exchange application amount, the exchange processing unit 110 checks whether the exchange application amount has been paid through the payment settlement service, communicates with the exchange server 300 to process the exchange (S200), and scans the ID card ( S300), it is possible to receive foreign currency (S400). However, when scanning of an identification card is unnecessary due to a small amount of money exchange, step S300 may be omitted, and a receipt may be output together when a conversation is received in step S400.

As described above, according to the unmanned currency exchange device 100 linked to the payment and settlement service proposed in the present invention, the code for payment and settlement is recognized by the code recognition unit 115 while the unmanned currency exchange device 100 exchanges money. By allowing the application amount to be paid using the payment settlement service, it is safe and convenient to exchange money without cash or a real card, and it is possible Problems can be solved, and money can be exchanged conveniently without time restrictions because it can be exchanged face-to-face without an employee.

In addition, according to the unmanned currency exchange device 100 linked with the payment and settlement service proposed in the present invention, the user's appearance photographed by the camera is analyzed to optimize the output language, the size of the image or sound, the image output location, etc. Because it is output, even customers who are not familiar with the use of the unmanned currency exchange device 100 can use it easily and comfortably.

Various modifications and applications of the present invention described above are possible by those skilled in the art to which the present invention pertains, and the scope of the technical idea according to the present invention should be defined by the following claims.

100: unmanned currency exchange device
105: input unit
110: currency exchange processing unit
115: code recognition unit
120: output unit
125: scan unit
130: control unit
135: money withdrawal unit
140: information transmitter
145: receipt output unit
150: camera unit
155: image analysis unit
160: advertisement provider
200: user terminal
300: currency exchange server
S100: Enter currency exchange application information and select payment service
S200: Payment of currency exchange request using code for payment settlement
S300: ID Scan
S400: Receive foreign currency

Claims (8)

As an unmanned currency exchange device 100 linked with a payment and settlement service, using a payment and settlement service as a payment method of an exchange application amount,
an input unit 105 for receiving a user's input signal;
When the exchange application information including the exchange request amount is input through the input unit 105 and the payment of the exchange request amount is confirmed in conjunction with the payment settlement service selected as the payment method of the exchange request amount, the exchange server 300 a currency exchange processing unit 110 that communicates with and processes currency exchange according to the exchange application information;
A code recognition unit 115 for recognizing any one code selected from the group including a barcode and a QR code as a code for payment and settlement, extracting payment and settlement service information from the recognized code and delivering it to the exchange processing unit 110;
an output unit 120 for outputting guide information for currency exchange, the exchange application information, and the exchange processing state of the exchange processing unit 110;
a scanning unit 125 for scanning an identification card;
a control unit 130 that provides money withdrawn according to the processing of currency exchange;
A money withdrawal unit 135 that counts and withdraws money provided by the control unit 130, but automatically inserts money if the user does not take money for a predetermined time after withdrawing money so that others cannot take it;
an information transmitter 140 for transmitting the exchange application information and the ID scanned by the scan unit 125 to the exchange server 300;
a receipt output unit 145 for outputting a receipt for the exchange receipt;
a camera unit 150 installed in front of the unmanned currency exchange device 100 to photograph a user who exchanges money; and
An image analysis unit ( 155);
The exchange processing unit 110,
Checking the payment of the currency exchange application amount using the payment settlement service information received from the code recognition unit 115 in conjunction with the payment and settlement service, and processing the exchange of the currency exchange application amount for which payment is confirmed,
The payment service is
It is a fintech service linked to a credit card or bank account or a fintech service using pre-loaded pay points,
The code recognized by the code recognition unit 115 is,
As a code for payment and settlement, it is output to the user terminal 200 according to the payment service used by the user, and is valid only for a predetermined time,
The input unit 105 receives the selection of the quantity for each type of currency as an input,
The control unit 130 provides the money to be withdrawn according to the received quantity of each type of currency to the money withdrawal unit 135,
The control unit 130,
At least one of an output method including an output language of the output unit 120 , a size of an image or sound, and an image output position according to the user's language, age, and body characteristics predicted by the image analysis unit 155 . However, if the predicted user is an elderly person, adjust the volume of the output text or sound, adjust the output position on the output screen when using a wheelchair,
The output unit 120 displays a customized advertisement using at least one of the user's language, age group, and body characteristics predicted by the image analysis unit 155 and at least one of the currency exchange currency types included in the currency exchange application information. Payment service and Interlocked unmanned currency exchange device (100).
delete delete According to claim 1, wherein the exchange application information,
An unmanned currency exchange device 100 linked to a payment and settlement service, characterized in that it includes a user name, user identification information, currency exchange currency type, and exchange application amount.
delete delete delete delete

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