KR20000063531A - A exchange method using the atm - Google Patents

Abstract

PURPOSE: A foreign money exchanging method using an ATM(Automatic Telling Machine) is provided for minimizing a management manpower needed for a money exchange for thereby decreasing a cost. CONSTITUTION: A customer who wants a money exchange goes to an ATM(S1) and checks whether the is registered. At this time, if the customer is registered, the customer inputs a bank account and password. If the customer is not registered, the routine is moved to S1 for a registration of the customer(S2). Next, the bank account is checked. If there is no problem in the bank account, the ATM verification system verifies the customer registration. If there is a problem in the bank account, the routine is moved to S2 for checking the bank account again(S3).

Description

Foreign currency exchange method using ATM device {A EXCHANGE METHOD USING THE ATM}

The present invention relates to a foreign currency exchange method in an ATM machine that is able to transfer or withdraw foreign currency, or transfer money by foreign exchange after exchange for foreign currency using ATM devices at home and abroad.

In the existing ATM machine, domestic customers can deposit and withdraw only domestic currency, and foreign currency cannot be withdrawn. In addition, foreign customers can exchange local currency and withdraw money only through a bank teller using a credit card, and withdraw money cannot be made with ATM machines. There was time and local discomfort. In addition, only the cash of the local country can be withdrawn according to the existing fixed exchange rate, and the deposit is impossible.

On the other hand, banks exchange money through exchange offices, requiring management personnel to reduce profitability.

In addition, in foreign countries, it is not possible to deposit and withdraw and transfer foreign currency of a third country using ATM machines, resulting in time and regional inconveniences in other countries, sending money to other countries, and depositing money into one's own account.

In addition, after the withdrawal of cash by credit service, all fees, interest at the point of repayment, etc. cannot be confirmed at the time of cash withdrawal.

The present invention has been invented in view of the above-mentioned, foreign currency exchange method using an ATM device that can be withdrawn after foreign currency exchange using foreign and domestic ATM equipment, and if necessary, the transfer of foreign exchange and remittance to another country The purpose is to provide.

FIG. 1 is a flowchart of an ATM device exchange system for explaining a method of exchanging or depositing a foreign currency in or out of an ATM device at home or abroad.

Foreign currency exchange method at home and abroad ATM machine according to the present invention for achieving the above object, go to ATM devices at home and abroad, check whether the user registration, enter the customer's bank account password and then confirm the user registration confirmation Authenticating, and requesting money exchange or remittance of a local currency or a foreign currency in a state where user approval is authenticated; Inputting the amount of money to be exchanged, the type of currency to be exchanged, the type of withdrawal money and whether to remit it to another country; Obtaining customer information about the customer's exchange request; Receiving exchange rate data corresponding to the exchange request, re-entering the amount of money to be exchanged, the type of currency to be exchanged, the type of the deposit and withdrawal currency, and whether to transfer money to another country, and determining whether to actually exchange money; If the user decides to exchange money, he calculates the exchange rate actually provided for the customer's request based on the exchange rate data received, and displays the relevant information after the exchange on the screen of the ATM machine before the currency is actually exchanged. step; Performing an actual exchange after checking whether there is an abnormality related to the exchange; After the actual exchange, characterized in that it comprises a step of providing a detailed statement of the transaction.

(Example)

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

FIG. 1 is a flowchart of an ATM device exchange system for explaining a method of exchanging or depositing a foreign currency in an ATM device at home and abroad. Hereinafter, a method of exchanging or depositing a foreign currency using an ATM device will be described in detail with reference to FIG. 1. .

First, the customer who wants to exchange money moves to ATM devices at home and abroad (step 1), and then checks whether the customer is registered. At this time, if a user is registered, the customer's bank account password is input. If the user is not registered, the process returns to step 1 to complete the user registration (step 2).

Next, after checking the bank account, if there is no abnormality in the bank account, the ATM device exchange system according to the present invention authenticates the approval of the user registration confirmation. If there is a problem with the bank account, the process returns to step 2 to confirm the bank account again (step 3).

With the user's approval in step 3, the customer decides whether to exchange money for the ATM machine or to request remittance of local or foreign currency. At this time, if the transfer request for exchange or localization and foreign currency is determined, the process proceeds to the next step. If the exchange or transfer request is not determined, the process proceeds to step 5 and the ATM device exchange system is terminated (step 4).

Next, enter the amount of money to be exchanged, enter the type of currency to be exchanged (e.g., won, ＄, \, other currencies), and the type of currency to be withdrawn at the time of withdrawal (e.g. cash, traveler's check). And input whether to remit to another country (step 6).

Subsequently, the customer's local ATM, which is managed by local and foreign banks, requests the customer's account information and necessary data from the local server, and the local server requests the customer's account from the customer's local bank. Request the information and necessary data, the local bank sends the requested data to the customer's own server, the customer's own server receives it and sends the requested data to ATM devices at the customer's local and overseas, and accordingly the customer's local ATM The device acquires the customer's information. Then, the current balance status of the customer is inquired.

Alternatively, ATMs at home and abroad, which are managed by the local server or the customer's local server, immediately request the customer's account information and necessary data from the customer's own bank. The request will be sent to the customer, and the customer's local ATM will obtain the customer's information. Then, the current balance status of the customer is inquired (step 7).

In this case, if there is a problem in the customer requirement in step 6 due to insufficient balance, the bank proceeds to step 6 to obtain credit service by applying for credit service to secure cash by using the credit service function additionally. Run the procedure again (step 8). At this time, in the case of applying for a credit service in step 8, the credit service is performed in step 7 through step 6 to secure the required currency exchange amount by the credit service.

Then, the customer who wants to exchange money receives exchange rate data corresponding to the exchange request for each bank of the customer (step 9).

The customer, having received the exchange rate data, executes the procedure of step 6 again and decides whether or not to actually exchange. At this time, if it is determined that the actual currency exchange is to be performed, the process proceeds to the next step. If it is determined that no actual currency is exchanged, the process proceeds to step 11 to terminate the ATM device exchange system (step 10).

If it is determined in step 10 to perform the actual exchange, the exchange rate is actually calculated for the customer's request based on the received exchange rate data (step 12).

After calculating the actual exchange rate, the relevant information after the exchange to be provided to the customer is displayed on the screen of the ATM device before the actual exchange (step 13).

After requesting the exchange, the customer confirms whether there is an abnormality in the information related to the exchange on the screen of the ATM machine, and if there is no abnormality, re-executes steps 7 to 12 to perform the actual exchange. If it is found that there is an error in the information related to the exchange through the screen of the ATM device, the process returns to step 1 and performs the exchange process again from the beginning (step 14).

After the actual exchange, the transaction statement is displayed on the screen of the ATM machine so that the customer can print it to the printer. At this time, the balance sheet of localization and foreign currency is displayed on the transaction table, and information of related data such as exchange fee and repayment fee after credit service is displayed (step 15).

After displaying the relevant information, the flow advances to step 16 to terminate the ATM device exchange system.

Accordingly, the customer can exchange the required amount with foreign currency cash or traveler's checks, as well as remit money to foreign banks using ATM machines, as well as remittances to banks in the country and other countries.

As described above, according to the present invention, a customer who wants to exchange money can exchange foreign currency by using an ATM machine, thereby making all kinds of cash, checks, foreign currency, traveler's check, etc. You can exchange money and withdraw money. Therefore, it is possible to easily eliminate currency exchange, which has been difficult in time and region.

In addition, money exchangers such as banks can minimize the manpower required to exchange money, thereby reducing costs.

In addition, it is possible to reduce the foreign currency loss by returning the profit of the exchange fee to the customer and by facilitating the convenience of management under the foreign exchange management law of the country.

In addition, it is possible to avoid unnecessary currency loss by providing information on whether or not to exchange money, whether withdrawal or withdrawal by notifying the information according to all exchange rates and various fees on the customer's side when depositing and withdrawing.

Claims (2)

Go to the local ATMs at home and abroad to check the user registration, enter the customer's bank account password, authenticate the user registration confirmation, and request for money transfer, local or foreign currency remittance with the user approval. Making a step; Inputting the amount of money to be exchanged, the type of currency to be exchanged, the type of withdrawal money and whether to remit it to another country; Obtaining customer information about the customer's exchange request and inquiring a balance; Receiving exchange rate data corresponding to the exchange request, re-entering the amount of money to be exchanged, the type of currency to be exchanged, the type of the deposit and withdrawal currency, and whether to transfer money to another country, and determining whether to actually exchange money; If the user decides to exchange money, he calculates the exchange rate actually provided for the customer's request based on the exchange rate data received, and displays the relevant information after the exchange on the screen of the ATM machine before the currency is actually exchanged. step; Performing an actual exchange after checking whether there is an abnormality related to the exchange; After the actual exchange, foreign currency exchange method using an ATM machine comprising the step of providing a statement of the transaction. The method according to claim 1, further comprising the step of obtaining credit service when determining the type of currency exchange money, acquiring the customer's information, and then checking the balance confirmation of the local currency or foreign currency, if the balance before payment and currency exchange is insufficient. Foreign currency exchange method using an ATM machine characterized in that provided.