KR19980063062A - Cash (check) payment withdrawal by fingerprint. - Google Patents

Abstract

The present invention relates to a fingerprint cashier (or check and securities) deposit and withdrawal machine, and in detail, a fingerprint input device (fingerprint recognizer) is installed at one end of the cash dispenser and has a password or a financial account or a financial card for each individual. Increase your financial security by allowing you to process (approval) cash receipts and withdrawals (most banking tasks such as transfers, foreign currency remittances, cash and check receipts, withdrawals, financial receipts and receipts) using your unique fingerprint. It improves the batch and speed of work.

Description

Cash (check) depositor withdrawal by fingerprint.

1 is a perspective view of the present invention.

2 is a circuit block diagram of the present invention.

Explanation of symbols on the main parts of the drawings

(2) ; Cash (check) deposit and withdrawal machine (4); Input

(6); Fingerprint input device (fingerprint reader) 8; Fingerprint

(10); Computer 12; Computer

(14); Memory section 16; Registration Button

(18); Reading unit 20; Display

(22) (26); Page up key

24, 28; Page down key

30; Electronic pen 32; Page display

(34); screen input unit 36; Directive Display

(38); Cash (check) discharge 40; counter

(42); Slip discharge 34; chit

The present invention relates to a fingerprint cashier (or check and securities) deposit and withdrawal machine, and more specifically, by installing a fingerprint input device (fingerprint recognizer) at one end of the cash machine and cash dispenser, each person without a password, financial account book or financial card. Financial security by allowing you to process (approval) cash receipts and withdrawals (transfers, foreign currency remittances, cash and check receipts and withdrawals, financial loans and receipts) using your unique fingerprint. To increase the speed and speed of work.

In the conventional financial transaction form, when a customer assigns a password to each financial product, the financial settlement occurs when the passwords match, but there are various problems.

In other words, if you forget your password, you cannot make financial transactions, and if you have a lot of financial trading products, you usually have to give your password separately. If you forget your password, however, if you forget your password, financial settlement is impossible or difficult. In addition, the process of verifying the password is relatively long, which delays the financial lending and receiving work, resulting in a long waiting time. In addition, if the password is leaked, unintentional financial settlement can be made. There is also a risk of having to carry the back and the loss or loss of carrying.

Therefore, the present invention is to improve the security and promptness of the work by preventing various financial transactions (payment) using a unique fingerprint owned by everyone, instead of the password of the financial products, to prevent the loss or loss of passwords, etc. For the purpose of

Hereinafter, preferred embodiments of the present invention will be described in detail with reference to the accompanying drawings.

FIG. 1 is an external perspective view of the present invention, and FIG. 2 is a conventional input unit 40 and a fingerprint input device 6 provided at one end of a jig check and cash dispenser 2 known as a circuit block diagram of the present invention. Customer's financial products are made available to enter the customer's fingerprint (8) and to the computer (10) of the cash in / out machine (2) or the main computer (12) of the bank connected online with the cash in / out machine (2). And financial products, information of the financial products, personal information such as photographic information, image of resident registration number, address, contact phone number of the face of the customer, and fingerprints for unavoidable circumstances such as cutting or injury of finger. If it is not possible, it is possible to store payment information such as a fingerprint substitute password or a fingerprint substitute signature (sign) that can be used in place of the fingerprint in the memory unit 14, and the registration button 16 at one end of the cash machine By installing Allows you to register by selecting the type or number of financial instruments.

In addition, the information that can be entered or selected by the customer among the above information is a touch screen, a pen screen, a pen screen, a keyboard, a fingerprint input device, or a customer's voice or face imaged. Information such as a photo, a fingerprint, and the like may be input to a separate input unit 4 so as to be registered in the computer 10 or the main computer 12.

On the other hand, when the customer's fingerprint signal is input to the computer 10 through the fingerprint input unit 6, the computer 10 compares and reads the fingerprints of the plurality of customers pre-registered in the memory unit 14 with the reading unit 18 If there is a financial product that matches the input fingerprint 8, the screen is displayed on the display 20. If there is a financial product that can be traded as described above, if the input amount is within the transaction limit, the computer 10 If the financial instrument that matches the fingerprint (8) is not registered in the computer, the screen indicator (20) is sorry. I get a message that says "There are no financial instruments available to trade", and I'm sorry if the financial instruments are open but there is not enough money to pay. The payment amount does not exist or is insufficient.

If the number and the number of financial instruments that match the input fingerprint 8 are plural, the plurality of financial instruments are displayed on the screen display 20 so that the customer can select the target financial instrument and the registered financial instruments. If the number or number of fields is too large to exceed one screen of the display 20, the page is output to the next page so that the page up key (page up key: 22) or page down key (page down key: 24) The page up key 26 and the page down key 28 are also displayed on the screen so that the user can select a page (up or down) by touching or touching the finger or the electronic pen 30. In the corner of the indicator 20, a current page display part 32 is formed on which the page of the current screen is displayed, and the selection of the transaction financial instrument is selected with a finger when the screen indicator 20 is a touch screen. The electronic pen 30, which is installed on one side of the pen screen so as to be movable in the case of a pen screen, is electrically connected to an input unit of the computer 10 so that various information can be selected by writing or touching.

In addition, in certain areas of the screen display 20, a screen input unit 34 having a predetermined size capable of inputting information with the electronic pen 30 is positioned so that fingerprint recognition or fingerprint input is impossible when opening a financial product or making a financial settlement. If not, or if the customer intends, the electronic pen 30 enables the user to input a resident registration number, name, financial product name, fingerprint substitute password, deposit amount, withdrawal amount, etc. on the screen input unit 34.

In addition, the indication display unit 36 is positioned on the upper, lower, left, and right sides of the screen input unit 34 so that the input information by the electronic pen 30 can be sequentially input according to the instructions of the computer 10.

In addition, a conventional automatic opening / closing cash (check) discharge port 38 in which cash or a check is discharged is installed at the front side of the cash in / out machine 2 so that the approved cash (check) is discharged. In addition, there is provided a cash (check) storage unit for storing the check and the counter (40) for counting the cash or check of the cash (check) storage unit by the approved amount of money to move to the cash (check) discharge port 38.

The cash and checks counted above and transferred to the cash (check) outlet 38 are discharged at a height of about half so that the customer can catch and draw the cash, and the customer draws the cash out completely and goes to the slip outlet 42. If the slip 44 is ejected by half, the cash discharge port 30 is closed and the settlement is completed, and the processing results are stored in the memory unit 14 of the computer 10 and the main computer 12.

In the practice of the present invention, the target financial product may be selected first, and then the financial settlement may be processed by fingerprint recognition. In this case, the financial products to be traded with a plurality of or a plurality of types of financial products displayed by the screen display 20 is selected by the method of electricity, and when the selection is completed, the fingerprint input unit 4 is fingerprinted according to the instruction of the indication display unit 28. If the contact is made, the financial settlement is made through the process of electricity.

In addition, in the practice of the present invention, as shown in FIG. 1, a cash (check) depositor 2 installed at a specific place is installed in a vertical plane instead of a bank teller, so that most financial services can be performed without a bank clerk. It can also be treated and its effect is of course identified with the present invention.

Unexplained code (46) is a bankbook organizer, (48) a check deposit machine, (50) a key board, (52) call or emergency bell, (54) cash dispenser, (56) counterfeit detector, ( 58) is a card input device which can use a normal cash or credit card, (60) is a confirmation button, and (62) is a cancel button.

The working effects of the present invention configured as described above are as follows.

First, in order to use the cash in / out machine 2, registration of a customer and a financial product must be preceded, so that the user registers in the usual way through the input unit 4 of the computer or presses the registration button 16 to display the screen display. The various types of financial products that can be registered with the 20 and their information are displayed and output, and when the customer touches one or more of the financial products with his or her finger or selects the electronic pen 30, the indication of the screen display 20 is displayed. As indicated by the display unit 36, the fingerprint 8 is brought into contact with the fingerprint 8 to register a fingerprint for payment, and also the personal information of the customer through a key or the electronic pen 30 of the keyboard 50. And if the input is completed normally by inputting the fingerprint substitute password, etc. If you press the registration button 16 again according to the instructions displayed on the screen, the registration is completed while being assigned a unique number of the financial product, repeat the above process Registration is open to a plurality of types of financial instruments or to register other financial instruments.

On the other hand, in order to use the registered financial products, the deposit of cash or check should be preceded by the financial instrument through the cash dispenser 54 or the check deposit machine 48. When the fingerprint 8 is touched, it is read as an image signal and then input to the computer 10, which compares and matches the fingerprints registered in the memory unit 14 with the reading unit 18. Display the financial instruments (or the amount to be found together) on the display 20, and the page up key (22) (26) When the screen on which the transaction target financial product is displayed is selected using the down keys 24 and 28, the current screen is displayed on the page display unit 32.

When the target financial products are displayed, touch the hand to select a financial product in the case of a touch screen, and in the case of a pen screen, select the financial product to be traded by touching the electronic pen 30 on the screen or use the keyboard 50. When selecting a financial product to be traded, the computer 10 asks whether to deposit 1. withdrawal 2. withdrawal or withdrawal 3. through the indication display unit 36 of the screen display 20, and hand or electronic If you select 2. Withdrawal with the pen 30 or keyboard 50, the display screen of the screen indicator 20 changes and the amount to be withdrawn is displayed in hundreds of thousands or tens of thousands, and the customer may select the corresponding amount to be found. If there is no corresponding amount, the screen input unit 34 writes with the electronic pen 30 by handwriting or presses the keyboard 50 to select it, and also selects whether it is 1. cash withdrawal or 2. check withdrawal.

If the selected amount is less than the amount deposited in the financial product, the computer 10 approves the payment. Therefore, the cash or check stored in the counter is counted by the approved amount and transferred to the cash (check) outlet 38. The discharge opening 38 is automatically opened by the opening and closing device so that the settlement amount is discharged to the outside about half, and as a result, the slip 44 is also discharged to the outside about half.

When the customer withdraws the discharged cash (check) and the slip 44, the withdrawal is completed, and the computer 10, 12 arranges the financial products, and stores the processing result in the memory unit 14.

On the other hand, in the case of cash or check deposit in the previous step, when the 1. deposit is selected, the instruction "Inject check or cash into the check deposit machine 48 or the cash dispenser 54" through the instruction display unit 28 is indicated. When the customer inserts a check or cash into the check deposit machine 48 or the cash dispenser 54 according to the above instructions, the counter enters and counts it, and the counterfeit recognizer 56 detects the counterfeit and there is no counterfeit. The deposit was processed, and the cash amount of 00000 won was transferred to the indication display unit (36). Or check 00000 won has been deposited.In addition, if the amount is correct, 1 is displayed, and if the amount is wrong, press 2, and the instruction is outputted.The customer has the correct amount and touches 1 with the electronic pen 30 or his hand or the keyboard. If you press 1 of 50, otherwise touch 2 with the electronic pen 30 or your hand, or type 2 on the keyboard 50 to re-deposit or cancel the deposit in the usual way, and withdraw the deposit. 3. You may press Cancel, and transfers, other remittances, and other financial services may be handled as previously handled or instructed and directed.

Claims (2)

A fingerprint input device (fingerprint reader) is installed on the front side of the cash (check) deposit and withdrawal machine, and it is connected to the computer of the cash (check) teller and withdrawal machine. A cash (check) deposit and withdrawal machine with a fingerprint, characterized in that the financial settlement is made when the fingerprints are matched by the comparative reading. 2. A screen input unit (34) according to claim 1, wherein a screen input unit (34) is placed on a screen display (20) of a touch screen or a pen screen of a cash (check) teller machine, and electrically connected to the input unit 4 of the computer at one end thereof. Cash (check) deposit and withdrawal machine which is settled by fingerprint which is installed to move electronic pen 30.