KR20000071961A - Cyber mobile banking service system terminal - Google Patents

Abstract

PURPOSE: A cyber mobile bank service terminal is provided to perform an ATM(Automated Teller Machine) as well as process a credit card payment by using a wireless or a wire network. CONSTITUTION: A cyber mobile bank service terminal comprises a CPU(11), an operation part(12), a signal transmission module(13), a signal receiving module(14), a display(15), a sound generator(16), a counter(17), a switch(18), a MS(Magnetic Stripe) card reading module(19) and a printer(26). The CPU(11) controls the overall operation of the terminal. The operation part(12) includes an account transfer module(23), an ATM module(24) and a check/electronic cash/bank note approval module(25). The MS card reading module(19) checks a card number or a membership information of a credit card, a debit card or a membership card. The signal transmission module(13) transmits a service request signal of a subscriber to a wireless base station or a telephone station. The signal receiving module(14) receives a service request result data such as a cash withdrawal or a credit card approval.

Description

Terminal for Cyber Mobile Bank Service System {CYBER MOBILE BANKING SERVICE SYSTEM TERMINAL}

The present invention relates to a terminal for a cyber mobile bank service system.

Since the terminal used in the conventional electronic payment system is used for credit card and debit card payment, there is no cash withdrawal and deposit function, and other functions cannot be performed except for the financial settlement function.

In addition, since the electronic payment must be connected to the bank installed for payment by wire, there is a disadvantage inevitably increase the usage fee.

Therefore, the present invention is made to improve the disadvantages of the conventional terminal, so that it is possible to install cash at a suitable place, such as a convenience store for 24 hours cash withdrawals and small loans and at the same time easy to replenish and store cash through a predetermined company The purpose is to provide a terminal for the cyber mobile bank service system used.

Another object of the present invention is to provide a terminal for cyber mobile banking service system that can be immediately loaned a predetermined amount through the cyber bank account of the merchant and the customer by providing a function of connecting the terminal and the cyber bank.

Another object of the present invention is to provide a terminal for a cyber mobile bank service system which can reduce the response time by using a wireless connection method in normal times, and by connecting by wire when a wireless call is not available.

Still another object of the present invention is to provide a terminal which can be used in combination with a fixing device or separated by a portable device.

1 is a system diagram of a cyber mobile bank service system to which a terminal of the present invention is applied.

2 is a block diagram of a terminal according to an embodiment of the present invention.

3 is a block diagram of a base station of the cyber mobile bank service system according to the present invention.

Figure 4 is a block diagram of a wireless repeater of the cyber mobile bank service system according to the present invention.

5 is a configuration of a central control room of the cyber mobile bank service system according to the present invention.

6 is a configuration diagram of a cyber bank of a cyber mobile bank service system according to the present invention.

7 is a diagram illustrating a peripheral system configuration of a terminal according to an exemplary embodiment of the present invention.

8 is a block diagram of a terminal according to another embodiment of the present invention.

Explanation of symbols on the main parts of the drawings

1 ------ Terminal 2 ------ Base Station

3 ------ Wireless Repeater 4 ------ Telephone Station Network

5 ------ Central Control Office 6 ------ Cyber Bank

Cyber mobile bank service system according to the present invention for achieving the above object, the mobile agent possesses a terminal or provided with a deposit or withdrawal and balance inquiry, loan function for the subscriber account by wire or wireless; A wireless repeater and a base station for wirelessly receiving a service request signal of the subscriber and a result signal of performing the service; A telephone station network that receives a subscriber's service request signal and its work performance result signal by wire; A central control room for receiving a service request signal of a subscriber wirelessly from a wireless repeater or a wired transmission from a telephone station network, and transmitting the work performance result signal wirelessly to a wireless repeater or by wire to a telephone station network; And it is characterized in that consisting of a cyber bank performing the service service requested by the subscriber.

The terminal, the central processing unit for controlling the overall operation of the device as a whole; Check the account transfer unit having the function of transferring the subscriber's service request signal to the central processing unit from the subscriber's account to another's account, the cash withdrawal unit having the function of depositing or withdrawing cash, and the check; An operation unit comprising a check and an electronic money inquiry unit having a function of inquiring electronic money and a bank account balance of a subscriber; A card inquiry payment unit having a function of inquiring and paying card numbers such as a credit card, a debit card, and a membership card; A signal transmitter which transmits the service request signal of the subscriber to the telephone station network by wireless repeater or by wire under the control of the central processing unit; Signal receiving unit for receiving the wired or wireless wired and wireless signal of the result of the cash withdrawal and balance inquiry performed by the subscriber; A display unit for visually displaying the current mode and state set in the device and visually displaying the service request and the result of the subscriber; A voice display unit for audibly displaying the current mode and status of the device and for audibly displaying the subscriber's service request and result; A counter unit having a current time data and a time data backup function; A selection unit for selecting whether the operation type of the device is wired or wireless; A printing unit which prints the inquiry and the payment result as printed matter; Disaster prevention function unit connected to a security device to have a disaster prevention function in addition to the general security function; An alarm unit for generating and transmitting an emergency signal by telephone or wireless communication in an emergency situation; And a wireless communication unit transmitting a signal to a wireless modem of a neighboring subscriber when the service request signal of the subscriber cannot be transmitted to the central control room due to disconnection and communication failure.

The base station includes a signal receiving unit for receiving a service request signal of a subscriber from a terminal or receiving a service request work result signal of a subscriber from a wireless repeater; A central processing unit for processing the service request signal and the business performance result signal of the subscriber received in the signal receiving unit; And a signal transmitter which transmits the service request signal of the subscriber to the wireless repeater or transmits the service request result signal to the wireless repeater.

The wireless repeater may include: a reception antenna which receives only a service request signal of a subscriber from a base station or receives a service request result of a service from a central control room in the air; A filter for filtering only signals in a frequency band used for transmission among modulated waves inputted through a reception antenna; A resonance circuit for generating the same frequency as the modulated wave for synchronizing with the modulated wave input from the filter; A second filter for attenuating the received modulated wave to a predetermined frequency; An intermediate frequency block for restoring an original signal, i.e., a service request signal or a service request result signal, from a predetermined frequency signal attenuated by the secondary filter; An amplifier for a predetermined level amplifying the original signal input from the intermediate frequency terminal; And a transmission antenna for transmitting the signal amplified by the amplifier to the base station or for transmitting the service request signal transmitted from the base station to the central control room.

The central control room may include a central processing unit which collectively controls the overall operation of the apparatus; A signal receiving unit which receives a service request signal of a subscriber through a wireless repeater or a telephone station network, and receives a signal of a performance result from a cyber bank; Signal transmitting unit for transmitting the business performance result signal received from the cyber bank to the wireless repeater or telephone station network; An operation unit for inputting an operation signal necessary in the control room to the central processing unit; A display unit for visually displaying the current mode and state set in the device, and visually displaying a service request of the subscriber and a result of performing the same; A voice display unit for audibly displaying the current mode and status of the device and for audibly displaying the subscriber's service request and its performance; A counter unit having a current time data and a time data backup function; And a selection unit for selecting whether to receive a service request signal and a result signal of the subscriber by wire or wirelessly.

The cyber bank includes a power supply unit for supplying driving power; A subscriber information unit for storing information related to subscribers; Receiving unit for receiving the service request signal of the subscriber transmitted from the mobile agent or the merchant terminal through the central control room; Transmitting unit for transmitting the service request work performance result signal of the subscriber to the central control room; A transfer approval unit that settles and approves a subscriber's service request work; A task execution result transmitting unit which transmits a service request task execution result signal of a subscriber to a central control room and a terminal; And a central processing unit programmed to control the system as a whole.

In addition, the terminal according to another embodiment of the present invention is characterized in that the fixing device and the auxiliary terminal are used in combination with each other or the auxiliary terminal is separated from the fixing device.

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

1 is a schematic diagram of a cyber mobile bank service system of the present invention, FIG. 2 is a block diagram of a terminal according to an embodiment of the present invention, FIG. 3 is a block diagram of a base station according to the present invention, and FIG. 4 is a block diagram of a wireless repeater according to the present invention. 5 is a block diagram of a central control room according to the present invention, FIG. 6 is a block diagram of a cyber bank according to the present invention, and FIG. 7 is a block diagram of a peripheral system of the terminal according to the present invention.

As shown in FIG. 1, the cyber mobile bank service system according to the present invention includes a terminal to which deposit and withdrawal and balance inquiry and loan function for a subscriber's account are wired and wirelessly in a state in which a mobile agent is possessed or stored in an affiliated store. 1) and a base station 2 that receives a service request signal wirelessly when a mobile operator or an affiliated store operates the terminal 1 wirelessly to provide a service request of a subscriber.

In addition, the wireless repeater 3 which receives the service request signal of the base station 2 wirelessly, and when operating the mobile terminal 1 by a mobile worker or affiliated store to provide a service request of the subscriber wired service request signal The central office (4) is configured to receive and transmit the subscriber's service request wired and wireless signal through the wireless repeater (3) or the telephone station network (4), and performs the subscriber's service request The cyber bank 6 is further configured.

As described below, the cyber bank 6 stores and stores necessary information about the subscriber, and is capable of performing operations such as account transfer and card inquiry similar to those of an actual bank.

In the above configuration, the operation of the terminal 1 is performed by a mobile worker or a merchant operator. For example, when the subscriber notifies the central control room 5 of his request, the central control room 5 has an external mobile agent ( Vehicle) or the merchant to inform the service request of the subscriber, accordingly the mobile worker moves to the place where the subscriber is located to perform the service work through the terminal (1).

As shown in FIG. 2, the terminal 1 includes a central processing unit 11 which collectively controls the overall operation of the apparatus, and an operation unit which inputs a service request of the subscriber to the central processing unit 11 ( 12) and the service request signal of the subscriber under the control of the card inquiry settlement unit 19 and the central processing unit 11 having a function of inquiring and paying card numbers such as credit cards, debit cards and membership cards. The signal transmitter 13 wirelessly transmits the wireless repeater 3 or the wired telephone network 4 to the telephone station network, and the signal receiver 14 receiving the wired or wireless signal related to the cash withdrawal and balance inquiry requested by the subscriber. do.

The operation unit 12 checks an account transfer unit 23 having a function of transferring from a subscriber's account to another's account, a cash withdrawal unit 24 having a function of depositing or withdrawing cash, and a check, It consists of a check and an electronic money inquiry section 25 having a function of inquiring the electronic money and the account balance of subscribers.

The terminal 1 of the present invention also includes a display unit 15 for visually displaying the current mode and state set in the device, and visually displaying the service request and the result of the subscriber's service, and the current mode and state of the device. Audible display, and a voice display unit 16 for audibly displaying the service request and the performance result of the subscriber, and a counter unit 17 having a current time data and time data backup function, In order to improve the shortcomings of the terminal, a selector 18 for selecting whether the operation type of the device is wired or wireless is further configured.

In addition, in addition to the printing unit 26 for printing the results of the inquiry and the payment function as a printed matter, the disaster prevention function unit 27 connected to the general security device to perform the disaster prevention function in addition to the general security function, and the intensity is generated The alarm unit 28 generates and transmits an emergency signal by telephone or wireless communication in an emergency situation, and when a service request signal of a subscriber cannot be transmitted to the central control room due to disconnection or communication failure, it transmits a signal to a wireless modem of a neighbor subscriber. The wireless communication unit 29 is configured.

In the terminal 1 of the present invention configured as described above, when the operation unit 12 is operated to perform a function corresponding to each component, a program for transmitting and receiving a signal to perform a corresponding function is pre-processed by the central processing unit 11. Is stored in the memory means.

The memory means stores a card inquiry program, a bank transfer program, a cash withdrawal program, a check and electronic money inquiry program, an alarm program, a wireless communication program, a display program, a voice generation program, and the like.

For example, when the card is to be queried, the card number and the like are inputted to the central processing unit 11 through the operation unit 12, and the cyber bank 6 is transferred to the cyber bank 6 through the central control room 5 according to the program stored in the memory means. It is input and confirmed, and the result of the confirmation is transmitted to the terminal 1 through the central control room 5 and confirmed by the user.

When the function of each component is completed, the central processing unit 11 of the terminal 1 resets all the data to the initial state so that subsequent operations can be performed accurately.

As shown in FIG. 7 to be described later, the card inquiry settlement unit 19 includes a card insertion unit and a card reading unit so that the card number printed on the card can be read when the card is inserted into the insertion port. That is, the card number and the like read by the card reader are input to the central processing unit 11 and processed so that subsequent operations can be performed.

The disaster prevention function unit 27 is connected to, for example, a control room of a 119 fire brigade or a general crime prevention device, and when an emergency situation occurs, the operator or affiliated store operates the operation signal, and the operation signal is processed by the central processing unit 11. Afterwards, it may be transmitted to the central control room 5 so that further actions may be possible, or may be directly connected to a control room installed in a public office or the like.

The alarm unit 28, for example, presses a button key, the operation signal is input to the central processing unit 11 and processed, and then the central control room 5 through the base station 2 and the radio repeater 3; The system may be configured to act as a loudspeaker or may be configured as a speaker so that an alarm sound is generated at the site to indicate an emergency situation.

In addition, the alarm unit 28 may be directly connected to the control room installed in the government office or the like to operate.

Mechanical configuration of the terminal 1 is as shown in FIG.

In Fig. 7, the MS card reader 71 is configured with a card insertion hole 72 and a card reader (card reader program, not shown) for inquiring a credit card or the like, for example. A card insertion opening 74 and a card reading unit (card reading program, not shown) are configured.

As shown in FIG. 3, the base station 2 of the present invention receives a service request signal of a subscriber transmitted from a mobile worker or an affiliate store from the terminal 1 or a signal from a wireless repeater 3 of a work performance result signal. The receiver 1, the central processing unit 100 for processing the service request signal and the business performance result signal of the subscriber received in the signal receiver, and the service request signal of the subscriber transmitted from the mobile agent or the affiliated terminal (1) Received from the transmission to the wireless repeater (3) or the signal transmission unit 22 for transmitting the service request work performance result signal of the subscriber to the terminal (1).

As shown in FIG. 4, the wireless repeater 3 of the present invention receives only the service request signal of the subscriber from the base station 2 in the airwaves, or receives the service work result signal from the central control room 5. (31), a filter (32) for filtering only signals of a frequency band used for transmission among the modulated waves inputted through the reception antenna (31), and a modulated wave for synchronization with a modulated wave input from the filter (32). A resonant circuit 33 that generates the same frequency is configured.

In addition, the wireless repeater 3 is an original signal, i.e., a service request signal or a service, from the secondary filter 34 which attenuates the received modulated wave to a predetermined frequency and the predetermined frequency signal attenuated by the secondary filter 34. An intermediate frequency terminal 35 for restoring the business performance result signal and an amplifier 36 for a predetermined level amplification of the original signal input from the intermediate frequency terminal 35 are further configured.

In addition, the transmitting antenna 37 is configured to transmit the signal amplified by the amplifier 36 to the base station 2 or to transmit the service request signal transmitted from the base station 2 to the central control room 5.

As shown in Fig. 5, the central control room 5 of the present invention includes a central processing unit 51 which collectively controls the overall operation of the apparatus, and transmits the service request signal of the subscriber to the wireless repeater 3 or the telephone station network. 4) the signal receiver 52 receiving the work performance result signal from the cyber bank 6, and the business performance result signal received from the cyber bank 6, the wireless repeater 3 or the telephone station network ( A signal transmitter 53 for transmitting to 4) and an operation unit 54 for inputting an operation signal necessary in the control room to the central processing unit 51 are provided.

In addition, the central control room 5 visually displays the current mode and state set in the device, and visually displays the service request of the subscriber and the result of the execution, and hearing the current mode and state of the device. And a voice generator 56 for displaying the subscriber's service request and the result of the performance of the subscriber, and a counter unit 57 having a current time data and time data backup function, and an operation mode of the device. A selection unit 58 for selecting whether to be wired or wireless is further configured.

The display unit 55, the voice generator 56, the counter 57, and the selector 58 are provided to perform functions similar to those of the terminal 1.

As shown in FIG. 6, the cyber bank 6 of the present invention includes a power supply unit 61 for supplying driving power, a subscriber information unit 62 for storing information necessary for the subscriber 1, and a terminal 1; The signal receiving unit 63 receives the service request signal of the subscriber transmitted from the central control room 5 and the signal transmitting unit 64 which transmits the business performance result signal which processed the service request of the subscriber to the central control room 5. ), The transfer approval unit 65 for the settlement and approval of various service tasks requested by the subscriber, and the task of transmitting the result of the service request of the subscriber to the central control room 5 and the terminal 1 The result transmitting section 66 and the central processing unit 67 programmed to collectively control the system are configured.

The transfer approval unit 65, for example, when the subscriber is provided withdrawal service through the mobile agent or affiliated store as much as the amount received the service from the cyber account of the subscriber to the account of the company belonging to the mobile agent and the central control room This is the part that treats the transfer.

In addition, the business performance result transmitting unit 66 may be any communication system capable of informing the central control room 5 and the subscribers of the business performance results. For example, an e-mail or the like using a personal computer is one of the means. It will be an example.

The cyber bank 6 stores information for identifying the subscriber's identity, for example, a subscriber's address, social security number and account number, deposit and withdrawal details for the account number, passwords, various card numbers, and passwords.

Similar to the memory of the central processing unit 11 of the terminal 1, the memory of the central processing unit 67 of the cyber bank 6, as well as the card inquiry and payment program, the transfer account program, the cash withdrawal program, the check and the electronic money Inquiry program is stored.

The operation of the mobile terminal for the cyber mobile bank service system of the present invention configured as described above will be described by case.

For convenience, the mobile 1 is carried by the mobile terminal or is provided at the merchant terminal 1 is set wirelessly via the selection unit 18 to perform the subscriber's service request wirelessly, the central control room 5 is also selected through the selection unit 58 Assume that it is set to wireless.

(1) Card inquiry payment function

If the subscriber wants to inquire the card, the card reader is inserted into the card inquiry settlement unit 19 (the card insertion slot 72 of the MS card reader 71 of FIG. 7) of the terminal 1 by the card reader. The card number is read. Accordingly, the card number signal is input to the central processing unit 11 and processed, and then transmitted to the base station 2 through the signal transmitter 13. In this case, the result processed by the central processing unit 11 is displayed to the outside through the display unit 15 and the voice generator 16 so that the user can check.

The signal receiver 21 of the base station 2 receives the card number signal and transmits the card number signal to the wireless repeater 3 through the signal transmitter 22 again.

Accordingly, the reception antenna 31 of the wireless repeater 3 receives the card number signal, performs the operation of FIG. 3, and then transmits the signal to the central control room 5 through the transmission antenna 37.

The signal receiving unit 52 of the central control room 5 receives the card number signal and inputs it to the central processing unit 51. The central processing unit 51 performs arithmetic processing by an arithmetic program and then processes the card. The number signal is transmitted to the cyber bank 6 through the signal transmitter 53.

The signal receiving unit 63 of the cyber bank 6 receives the card number signal, inputs it to the central processing unit 67, and the central processing unit 67 searches the subscriber information unit 62 to search for the number. Check your balance.

The search result signal, that is, the signal related to the balance, is transmitted to the central control room 5 through the signal transmitter 64 of the cyber bank 6, and the central control room 5 transmits the search result signal through the signal receiver 52. After receiving it, the signal is transmitted to the wireless repeater 3 through the transmitter 53.

Accordingly, after receiving the search result signal from the reception antenna 31 of the radio repeater 3 and performing the operation of FIG. 3, the search result signal is transmitted to the signal receiver 21 of the base station 2. The signal transmitter 22 transmits a signal to the terminal 1.

Then, the terminal 1 receives the search result signal through the signal receiving unit 14, and visual and audio through the display unit 15 and the voice generator 16 under the control of the central processing unit 11. This can be displayed externally so that the user can recognize it.

At this time, for example, when the subscriber wants to pay with the card, the account number to be transferred by the subscriber or another person through the card inquiry settlement unit 19 of the terminal 1 operation unit 12 is transferred to the central processing unit 11. By entering the card number signal of the subscriber and the account number signal of the subscriber or another person is transmitted to the cyber bank (6) through the base station (2), wireless repeater (3) and the central control room (5) to pay with the balance on the card Do it.

That is, the transfer approval unit 65 of the cyber bank 6 can transfer the amount of money from the subscriber's account to the account of another person.

At this time, when the subscriber needs a document such as a receipt, the mobile worker or affiliated store operates the terminal 1 to print the work performance result to the subscriber.

(2) Check and electronic money inquiry function

If check and electronic money inquiry is desired, check number signal is inputted by inputting check number and electronic money number to central processing unit 11 through check and electronic money inquiry section 25 of terminal 1 operation unit 12. Alternatively, the electronic money number signal is transmitted to the cyber bank 6 through the base station 2, the wireless repeater 3, and the central control room 5 for inquiry.

Thereafter, the inquiry signal is transmitted to the terminal 1 through the path as described above, so that the inquiry signal can be confirmed through the display unit 15 and the voice generator 16 of the terminal 1.

In this case, if the subscriber wants the results in a document, the mobile worker or affiliated store operates the terminal 1, and the print unit 26 prints the work performance result and transmits the result to the subscriber.

(2) cash withdrawal function

When the subscriber deposits a predetermined amount of cash, the cash (including checks) to be deposited is transferred to the mobile worker or affiliated store, and the mobile agent or affiliated store checks the amount, and then the cash withdrawal unit 24 of the operation unit 12 of the terminal 1 is checked. Will be manipulated. In other words, the amount of the deposit amount and the subscriber's account number and password (subscriber signal), etc. are entered. Accordingly, the deposit signal and the subscriber signal are input to the central processing unit 11, processed, and then transmitted to the base station 2 through the signal transmitter 13.

Then, the signal receiver 21 of the base station 2 receives the deposit signal and the subscriber signal and transmits the received signal and the subscriber signal to the wireless repeater 3 again through the signal transmitter 22.

Accordingly, the reception antenna 31 of the wireless repeater 3 receives the deposit signal and the subscriber signal, performs the operation of FIG. 3, and transmits the received signal to the central control room 5 through the transmission antenna 37.

The signal receiving unit 52 of the central control room 5 receives the deposit signal and the subscriber signal, inputs them to the central processing unit 51, and the central processing unit 51 performs arithmetic processing by an arithmetic program. The signal is transmitted to the cyber bank 6 through the signal transmitter 53.

The signal receiving unit 63 of the cyber bank 6 receives the deposit signal and the subscriber signal and inputs the received signal to the central processing unit 67. The central processing unit 67 searches for the subscriber information unit 62 to open the subscriber. Find the account number and treat it as a deposit of cash.

The deposit processing signal is transmitted to the central control room 5 through the transmitting unit 64 of the cyber bank 6, the central control room 5 receives the deposit processing signal through the signal receiving unit 52 and then the signal transmitting unit 53 Transmit to the wireless repeater (3) through.

Accordingly, when the reception antenna 31 of the wireless repeater 3 receives the deposit processing signal, performs the operation of FIG. 3, and transmits the signal to the signal receiver 21 of the base station 2, the base station 2 processes the deposit. The signal transmitter 22 transmits a signal to the terminal 1.

Then, the terminal 1 receives the deposit processing signal through the signal receiving unit 14 and is visually and audible through the display unit 15 and the voice generator 16 under the control of the central processing unit 11. This can be displayed externally so that the user can recognize it.

At this time, when the subscriber needs the receipt received, the signal is inputted to the central processing unit 11 by processing the operation unit 12 of the terminal 1 and processed, and then the list is controlled by the printing unit 26. To print.

When the subscriber wants to withdraw a predetermined amount of cash, the mobile agent or the merchant enters the withdrawal amount desired by the subscriber, the account number and password of the subscriber through the operation unit 12 of the terminal 1. Accordingly, the withdrawal signal and the subscriber signal are input to the central processing unit 11, processed, and then transmitted to the base station 2 through the signal transmitter 13.

Then, the signal receiver 21 of the base station 2 receives the withdrawal signal and the subscriber signal and transmits the same again to the wireless repeater 3 through the signal transmitter 22.

Accordingly, the reception antenna 31 of the wireless repeater 3 receives the withdrawal signal and the subscriber signal, performs the operation of FIG. 3, and transmits the same to the central control room 5 through the transmission antenna 37.

The signal receiving unit 52 of the central control room 5 receives the withdrawal signal and the subscriber signal, inputs it to the central processing unit 51, and the central processing unit 51 performs arithmetic processing by an arithmetic program. The signal is transmitted to the cyber bank 6 through the signal transmitter 53.

The signal receiving unit 63 of the cyber bank 6 receives the processed withdrawal signal and the subscriber signal and inputs the received withdrawal signal and the subscriber signal to the central processing unit 67. The central processing unit 67 searches for the subscriber information unit 62 to provide the subscriber. Find the account number you opened and check if there is more than the amount you wish to withdraw.

As a result, when there is enough balance to withdraw, the central processing unit 67 controls the transfer approval unit 65 to transfer the withdrawal amount from the subscriber account to the account of the company to which the central control room (mobile agent) belongs. Treat it as done.

Thereafter, the transfer signal is transmitted to the central control room 5 through the transmitter 64 of the cyber bank 6, and the central control room 5 receives the transfer signal through the signal receiver 52 and then the signal transmitter 53 Is transmitted to the wireless repeater (3).

Accordingly, after receiving the transfer signal from the reception antenna 31 of the wireless repeater 3 and performing the operation of FIG. 3, the transfer signal is transmitted to the signal reception unit 21 of the base station 2, and the base station 2 transmits the transfer signal. The signal transmitter 22 is transmitted to the terminal 1.

Then, the terminal 1 receives the transfer signal through the signal receiving unit 14, and visually and audibly through the display unit 15 and the voice generator 16 under the control of the central processing unit 11. By displaying it externally, the user can recognize it, and if desired, the subscriber prints the result through the print unit 26 and transmits the result.

On the other hand, if the balance of the amount the subscriber wants to withdraw does not remain in the account, the balance signal is transmitted to the terminal 1 in accordance with the above-described operation flow through the display unit 15 and the voice generation unit 16. Display it externally so that the user recognizes it.

(3) loan function

The same operation as in (2) is performed except for an operation in which a loan is directly transferred to a subscriber without an operation of checking the balance of the subscriber account, and the loan amount is transferred from a predetermined company account to the subscriber account.

(4) alarm function

When an emergency occurs, such as a robbery, the subscriber operates the alarm unit 28, and the alarm signal is input to the central processing unit 11, processed, and then transmitted to the base station 2 through the signal transmitter 13. .

Then, the signal receiver 21 of the base station 2 receives the alarm signal and transmits the alarm signal to the wireless repeater 3 again through the signal transmitter 22.

Accordingly, the reception antenna 31 of the wireless repeater 3 receives the alarm signal, performs the operation of FIG. 3, and transmits the signal to the central control room 5 through the transmission antenna 37.

The signal receiving unit 52 of the central control room 5 receives the alarm signal and inputs it to the central processing unit 51. The central processing unit 51 performs arithmetic processing by an arithmetic program and then displays the processing signal. It is displayed to the outside through the unit 55 and the sound generating unit 56 to recognize this and to take prompt action.

(5) Disaster prevention function

The disaster prevention function unit 27 also performs an operation in the same flow as the alarm unit 28.

Although the present invention has been described with reference to specific examples, the present invention is not limited thereto. Of course, modifications and variations are possible within the technical scope of the present invention.

For example, in the present invention, when the service request of the subscriber is input through the terminal 1, the signal is transmitted to the cyber bank 6 via the central control room 5, but the work is processed, but the mobile agent or affiliated store It may be configured to connect to the cyber bank 6 directly from the terminal 1 provided in the terminal 1 to perform the service request of the subscriber.

That is, such a system configuration is possible because each component includes a signal transmitter and a signal receiver that perform almost the same operation.

8 is a block diagram of a terminal according to another embodiment of the present invention, for example, a fixed device (main device) 100 installed in a counter such as a general restaurant, and is usually used in combination with the fixed device 100 If necessary, that is, if you want to pay directly at each table is configured an auxiliary terminal 200 that can be used separately from the fixing device (100).

The fixing device 100 is preferably to have the same configuration as the terminal 1 shown in Figure 2, the auxiliary terminal 200 is a terminal (shown in Figure 2 to enable direct card inquiry and payment at each table ( It is preferable to configure the card inquiry settlement unit and display unit, the signal transmitter and the signal receiver in 2).

Therefore, when payment is required directly at each table, the auxiliary terminal 200 may be removed from the fixing device 100 and carried, and the card inquiry and payment may be performed as described with reference to FIG. 2. Subsequently, the approval operation is performed by connecting the auxiliary terminal 200 to the fixing device 100 and inquiring and paying the card contents to the fixing device 100 so as to be performed between the cyber banks.

On the contrary, if the secondary terminal 200 is configured to enable wireless communication, the secondary terminal 200 directly in the field without having to combine the approval operation after the card inquiry and payment at each table to the fixing device 100. By the approval operation can be performed.

In addition, the fixing device 100 may be configured to be coupled to a plurality of auxiliary terminals.

According to the terminal for the cyber mobile bank service system of the present invention as described above, the function of connecting the terminal and the cyber bank eliminates the inconvenience of using a conventional bank and automatic teller machine, and the transaction with the bank is convenient and safe in the field. There is a possible advantage.

In addition, there is an advantage that can be immediately loaned a predetermined amount through the cyber bank account of the merchant and the customer (subscriber) by giving the function of connecting the terminal and the cyber bank.

In addition, there is an advantage that the response time can be shortened by using a wireless connection method in normal times, and a connection failure rate can be reduced by a wired connection when wireless communication is not available, thereby improving the use efficiency.

In addition, according to the terminal according to another embodiment of the present invention, since it is usually used in combination with the fixing device can be separated and carried when necessary, there is an advantage that it can be used very conveniently.

Claims (6)

A mobile terminal having a mobile agent or a bank that provides a deposit and withdrawal, balance inquiry, and a loan function for a subscriber's account in a wired or wireless manner; A wireless repeater and a base station for wirelessly receiving a service request signal of the subscriber and a result signal of performing the service; A telephone station network that receives a subscriber's service request signal and its work performance result signal by wire; A central control room for receiving a service request signal of a subscriber wirelessly from a wireless repeater or a wired transmission from a telephone station network, and transmitting the work performance result signal wirelessly to a wireless repeater or by wire to a telephone station network; And Cyber mobile bank service system, characterized in that consisting of a cyber bank to perform the service service requested by the subscriber. The method of claim 1, wherein the terminal, A central processing unit which collectively controls the overall operation of the apparatus; An account transfer unit having a function of transferring a subscriber's service request signal to the central processing unit from another subscriber's account to another's account; A cash withdrawal unit having a function of depositing or withdrawing cash; An operation unit composed of a check and an electronic money inquiry unit having a function of checking a check and inquiring an electronic money and an account balance of a subscriber; A card inquiry payment unit having a function of inquiring and paying card numbers such as a credit card, a debit card, and a membership card; A signal transmitter which transmits the service request signal of the subscriber to the telephone station network by wireless repeater or by wire under the control of the central processing unit; Signal receiving unit for receiving the wired or wireless wired and wireless signal of the result of the cash withdrawal and balance inquiry performed by the subscriber; A display unit for visually displaying the current mode and state set in the device, and visually displaying the service request of the subscriber and the result of the execution; A voice generating unit for audibly displaying the current mode and state of the device and audibly displaying the service request of the subscriber and the result of its execution; A counter unit having a current time data and a time data backup function; Switching unit for switching the operation type of the device by wire or wireless; A printing unit which prints the inquiry and the payment result as printed matter; Disaster prevention function unit connected to the security device to have a disaster prevention function; An alarm unit for generating and transmitting an emergency signal by telephone or wireless communication in an emergency situation; And The terminal for the cyber mobile bank service system, characterized in that the wireless communication unit for transmitting the signal to the wireless modem of the neighboring subscriber when the service request signal of the subscriber is not transmitted to the central control room due to disconnection and communication failure. The method of claim 1, wherein the base station, A signal receiving unit receiving a service request signal of a subscriber from a terminal or receiving a service request result signal of a subscriber from a wireless repeater; A central processing unit for processing the service request signal and the business performance result signal of the subscriber received in the signal receiving unit; And Cyber mobile bank service system comprising a signal transmitting unit for transmitting a service request signal of a subscriber to a wireless repeater or a service request work performance result signal to a wireless repeater. According to claim 1, wherein the central control room, A central processing unit which collectively controls the overall operation of the apparatus; A signal receiving unit for receiving a service request signal of a subscriber through a wireless repeater or a telephone station network and receiving a signal of a result of performing a work from a cyber bank; Signal transmitting unit for transmitting the business performance result signal received from the cyber bank to the wireless repeater or telephone station network; An operation unit for inputting an operation signal necessary in the control room to the central processing unit; A display unit for visually displaying the current mode and state set in the device, and visually displaying a service request of the subscriber and a result of performing the same; A voice display unit for audibly displaying the current mode and status of the device and for audibly displaying the subscriber's service request and its performance; A counter unit having a current time data and a time data backup function; And Cyber mobile bank service system comprising a selection unit for selecting whether to receive the service request signal and the performance result signal of the subscriber by wire or wireless. The method of claim 1, wherein the cyber bank, A power supply unit supplying driving power; A subscriber information unit for storing information related to subscribers; Signal receiving unit for receiving the service request signal of the subscriber transmitted from the mobile agent or the merchant terminal through the central control room; Signal transmitting unit for transmitting the service request work performance result signal of the subscriber to the central control room; A transfer approval unit which transfers or approves the transfer from the predetermined company account to which the mobile agent and the central control office belong to the subscriber account and the settlement thereof in order to settle the service request work of the subscriber; A business performance result transmission unit for transmitting the service request business performance result of the subscriber to the central control room and the terminal; And A cyber mobile banking service system comprising a central processing unit programmed to control the system as a whole. A terminal having a structure having a structure of claim 2, and an auxiliary terminal capable of card inquiry and payment by wired or wireless, the auxiliary terminal detachable from the fixing device.