KR19990075611A - Portable Financial Teller Machine - Google Patents

Abstract

The present invention relates to a portable financial teller machine for processing a banking business, and in the related art, such a portable financial teller machine (aka, handy terminal) has a list of user customers at a bank in the bank and the account number of the customer at the handy terminal. After registering the withdrawal data, in the field, the operation of the handy terminal was performed with the input / withdrawal centering on the account number of the customer and the bank re-arranging the renewal registration data of the handy terminal. It was inconvenient because the banks could not be processed in real time and various banks could not be done on the fly. The present invention is disposed on the front of the rectangular main body 11 of the size easy to carry, so as to improve the conventional problems as described above, the display 13 and the key input unit 12 to perform the screen interactive operation And an Ish card reader 14 installed to read a normal Ish card, a magnetic reader 15 installed to read a bank account's magnetic identity data or a credit card identity data, A portable device comprising a bankbook organizer 16, a modem installed in the main body 11, a wired network terminal 22 for connecting a wired network, a battery terminal 19 for charging a battery mounted in the main body, and the like. To provide financial teller machines.

Description

Portable Financial Teller Machine

The present invention relates to a portable financial teller machine for processing various banking services in the field in real time, and in particular, such a portable financial teller machine can be connected to a wired or wireless network in the field to process various banking services to customers in real time. By making it possible, banking in the field can be operated more effectively.

As financial institutions actively demand more services for their customers, bank employees visit customers who are hard to come to the bank, and perform banking and withdrawal operations. A teller machine (aka handy terminal) 50 is used.

Here, the rectangular main body 51, which is easy to carry in the hand, is provided on the display unit 52 for displaying the storage / cancellation of the screen interactive menu method, the account number input menu screen, the transaction contents menu screen, and the like. Key input unit 53 for selecting a function and a number according to the order, and the bank inputs the bank data (account number, balance, etc.) for the corresponding customer in the bank, and provides the bank computer with the transaction data after the bank transaction. The communication terminal 53 and the force terminal 55 which are connected are provided.

In the related art, a user registers and stores bank data of customers who are visiting at a bank by connecting an interconnection cable to a communication terminal 53 of a handy terminal 50 and a bank computer in a memory of the handy terminal 50. Then, after disconnecting the communication connection cable of the handy terminal 50 from the bank computer will visit the site.

In addition, when the user who visits the site calls up the main menu screen through the key input unit 53 and the display unit 52 according to the desired deposit and withdrawal situation of the customer, a menu screen for storing the corresponding customer appears, and the user selects the storage. When the account number input menu screen appears, if the account number for the customer is matched again, the customer enters the amount to be deposited.

In addition, after the deposit, write a written receipt for the amount received, and come back to the bank, and the bank transaction information for the customer is connected to the bank computer and the handy terminal with the communication terminal 54 and the communication connection cable, and then the corresponding data. The transfer was to a bank computer.

However, in such a prior art, the banking method of the bank side with respect to the customer is 1. Manual connection operation for the connection of the bank computer of the handy terminal 50 → 2. The registration storage from the bank computer of the customer to the handy terminal 50. Work → 3.Bank transaction at the site → 4.Manual connection operation to the connection of the bank computer of the handy terminal 50 → 5.Bank computer update registration storage operation of the contents of the bank transaction in the field by the handy terminal 50 Since the five steps of the banking operation must be performed, it was difficult to avoid the inconvenience of using the handy terminal 50.

In addition, such a handy terminal 50 was difficult to carry out a comprehensive consultation on the promotion of financial products or bank transactions, and on the other hand, it is possible to secure a good credit rating because it gives handwritten receipts to customers in the field. There was also a problem.

In addition, such a handy terminal 50 can not be expected to utilize a credit card or an Irish card and the like, there are many restrictions on its function, and on the other hand, it is also inconvenient because it is not possible to organize the bankbook on the fly.

The present invention provides convenience of such a banking operation by enabling the user to carry on all the operations related to the banking on the spot in real time to the customer for the bank transaction while the user can easily carry around to improve the above problems. It was designed to help.

The present invention is an indicator and a key input device that is arranged in front of a rectangular body of a size easy to carry so that the object of the above example can be carried out, and an Icy and memory installed to read an Icy card. A card reader, a magnetic reader installed to read the bank's magnetic or credit card identity data, a bankbook for organizing the bankbook and issuing a voucher, and a wired / wireless network terminal for connecting the modem and wired / wireless network installed inside the main unit It is characterized by a portable financial teller machine system of a configuration including a.

In another aspect of the present invention, the system reads key data input from a key input unit, an IC card reader, a magnetic reader, and the like, and communicates a bank computer with an account number or identity data and a bank balance data of a corresponding customer through a modem. A microcomputer that reads and displays other banking menu screens to control banking transactions, an IC and memory card reader connected to the input port of the microcomputer, and a magnetic card that reads magnetic data. The reader unit, the modem for mutual data transmission and reception with the bank computer under the control of the microcomputer, and the bankbook arranging unit for carrying out the bookkeeping or ticket issuing operation under the control of the microcomputer, if there is an order for arranging or issuing a book through the key input unit. Portable financial mouth of composition including It is characterized by the control circuit contraindicated.

Hereinafter, more detailed features of the present invention will be understood as described in more detail with reference to the accompanying drawings.

1 is a reference diagram showing a conventional portable financial teller machine

2 is a reference perspective view of a financial teller machine according to an embodiment of the present invention.

3 is a reference view of FIG.

Figure 4 is a reference view from the bottom of the present invention

5 is a system circuit block diagram of the present invention.

Figure 6 is an embodiment showing a terminal financial processing program of the present invention

7 is a reference diagram illustrating a bank on / offline network to which the present invention is connected.

* Explanation of code for main part of drawing *

10; Financial teller machine 11; main body

12; A key input 13; Indicator

14a, 14b; Ice and memory card reader 15; Magnetic reader

16; Bankbook organizer 20; Wired communication terminal

22; Mouse jack 23; antenna

40; Bank teller circuit 41; Key input section

42; An ice and memory card reader section 43; Magnetic reader

44; Display portion 45; Micro computer

46; Modem 47; Bankbook Organizer

48; Memory

100; Terminal Bank Processing Program

Figure 2 shows an embodiment of a financial teller machine 10 applying the portable financial teller machine system according to the present invention.

Here, the display unit 13 and the key input unit 12, which are arranged in front of the rectangular main body 11, which is easy to carry and perform screen interactive operations, and read the magnetic identity data or credit card identity data of the bankbook. Magnetic reader (15) installed to be able to, and bankbook organizer (16) for arranging the bankbook and issuing the slip is provided.

3, a wired network terminal 20 for connecting a modem and a wired network, an antenna 23 for connecting a wireless network, a data communication wired network interface 21 such as RS 232c, and the like, as shown in FIG. The mouse jacks 22 for key input devices, such as a mouse, are each provided.

In addition, the system is provided with an IC card reader 14a and a memory card reader 14b at the bottom as shown in FIG. 4, and the magnetic reader 15 in a horizontal direction is disposed at one side of the front side of the main body 11. The passbook organizer 16 which has formed the length groove in the vertical direction is arrange | positioned.

On the other hand, the main body 11 is equipped with a bank teller machine 40 as shown in FIG.

The bank teller machine 40 includes a key input unit 41 associated with the key input unit 12, an ice and memory card reader unit 42 associated with the Icy and memory card reader 14, a magnetic reader 15, By reading key data inputted from the related magnetic reader unit 15, etc., the account number, identity data, bank balance data of the customer are read and communicated with the bank computer through the modem, and other bank business menu screens are displayed. A microcomputer 45 for controlling bank transactions, an Ish card reader section 42 connected to the input port of the microcomputer 45 to read an Ish card, and a magnetic reader section 43 to read magnetic data. ) Is included.

In addition, the system includes a modem 46 for performing data transmission / reception with the bank computer under the control of the microcomputer 45, and a command for arranging a bankbook or issuing a slip through the key input unit 41. The bankbook organizer 47, the system memory 48, and the like which perform a bankbook organizer or a ticket issuing operation under control.

In addition, when the portable financial teller machine 10 is connected to the wireless public network 61 as shown in FIG. 7, the wireless public network 61 connects to the host computer 67 via a wired modem 62 and a communication interface 66 which are wired systems. On the other hand, it is also connected to the host computer 67 via the radio base station 63, the communication connector 64 and the server 65.

Here, reference numeral a denotes a wireless communication system, and b denotes a wired communication system.

According to the present invention having such a configuration, the user can carry and use the portable financial teller machine 10.

When the user of the financial teller machine 10 connects the phone jack to the wired network terminal 20 as shown in FIG. 3 on the telephone line of the telephone provided to the customer after visiting a plurality of gojacks for visiting, the main body 11 of the financial teller machine 10 ) Is connected to the wired network.

Thereafter, the user can perform modem operations of the host computer 67 and the bank teller machine 10 of the bank for banking operations. The wireless public network 61 of the host computer wired modem 62 of the host computer 67 of the communication interface 66 of the bank. When the communication connection operation through the host computer 67 is made, the account number input menu screen is called up via the indicator 13 in the key input unit 41 of the key input unit 12 to check the customer's account number and the like. Enter.

At this time, the account number entered through the display 13 is displayed, while as shown in FIG. 5, the microcomputer 45 recognizes the account number data input through the key input unit 41 and temporarily stores the input data. After storing the data in the memory 48, the bank host computer 67 is called again through the modem 46, the data inputted through the key input unit 41 is received, and the received result is received by the modem 46 to perform the following operation. It is going to proceed.

In addition, although the account number confirmation can be performed from the key input unit 41 by the key input unit 12, the magnetic identity data installed in the account book or credit card is transmitted through the magnetic reader unit 43 by the magnetic reader 15. When the magnetic identity portion of the bankbook or credit card is inserted into the magnetic reader groove of the magnetic reader 15 and scratched, the corresponding identity data is transmitted to the microcomputer 45 through the magnetic reader portion 43, and the microcomputer 45 By exchanging data with the host computer 67 of the bank via the modem 46, the identity of the identity data or the customer balance can be confirmed.

In addition, in the case of an IC card or a memory card, when the IC card or the memory card is inserted into the IC and memory card readers 14a and 14b as shown in FIG. The identity data code of the card is read out, which is the same as the operation of the magnetic reader unit 43.

In addition, after the user confirms the account number and the identity code through the key input unit 41, the IC and memory card reader unit 42, the magnetic reader unit 43, and the like, the transaction contents are displayed by the key input unit 12. Through the input unit 41 and the display unit 44 by the indicator 13, various bank transaction states can be interfaced.

And, since the bank transaction situation is completed in real time by the microcomputer 45 communicates with the bank computer, the transaction details are immediately pressed by the key issuing key through the key input unit 12, the microcomputer 45 is a conventional method. As described above, the receipts and the like traded through the bankbook organizer 47 by the bankbook organizer 16 will be printed.

In addition, when the user arranges the customer's bankbook, when the user inserts the bankbook into the length groove of the bankbook organizer installed at the side of the financial teller machine 10 of FIG. You will automatically be able to clear your account.

Meanwhile, the operation as described above is performed by the microcomputer 45 as shown in FIG. 3 together with the terminal bank processing program 100 as shown in FIG. 6, which is a modem connected to a bank computer after confirming the wire / wireless selection in the system. It is checked whether this has been done (step 101), and if the modem is connected, the transaction type is checked (step 102).

In addition, if the input of the bank account magnetic part, the credit card magnetic part, the Icy and the memory card identity code or the like is recognized (step 103 to 105), and if it is a tradeable code (step 106), Go to the credit / receive transaction mode (step 107), update the result processed in this mode (step 108), check the bankbook / card classification (step 109), and if it is a bankbook, proceed to print the bankbook and print the slip (step 109). In the case of a card, a slip is printed (step 112), and then a check is made to see if the modem is interrupted (step 111).

The present invention is a mobile financial teller machine that directly visits customers in banks and financial institutions, and performs bank transactions. Various bank transactions are performed in real-time communication with a bank computer through wired and wireless networks (bank check credit card check, Irish card check). And credit and receiving operations, etc.), therefore, various and convenient uses of such a system can be expected.

Claims (2)

An indicator card 13 and a key input device 12 arranged on the front of the rectangular main body 11 having a size that is easy to carry, and an IC card reader installed to read an ordinary IC card. (14), a magnetic reader (15) installed to read the bank account's magnetic identity data or credit card identity data, a bankbook organizer (16) for organizing the bankbook and issuing the slip, and a modem installed inside the main body (11). Portable financial teller machine system comprising a wired network terminal 20 and an antenna 23 for wired and wireless network connection Key input unit 41 for performing modem operation and key operation for banking, Icy and memory card reader unit 42 for reading Icy and memory cards, and Magnetic reader unit for reading bankbook and credit cards (43) Read key data, etc. input from etc., read account number, identity data, customer's bank balance data, etc. by communicating with bank computer through modem and display other banking business menu screen to control bank transaction A microcomputer 45 to be connected to an input port of the microcomputer 45, an IC and memory card reader unit 42 for reading an IC and a memory card, and a magnetic reader unit 43 for reading magnetic data. ), A modem 46 for performing mutual data transmission / reception with the host computer 67 of the bank under the control of the microcomputer 45, and a passbook through the key input unit 41. The bank account clearing unit 47 and the system memory 48 which carry out a bankbook clearing or slip issuance operation under the control of the microcomputer 45, if there is a command for issuing a document or a slip, are included.