KR20010077050A - auto checking machine by on-line - Google Patents

Abstract

PURPOSE: An on-line automatic receiving device is provided to help a bank business by carrying the device as a notebook PC and performing all works related to the bank business through a wire/wireless communication network at a field in real time and preparing all sorts of contract documents in real time. CONSTITUTION: A magnet reader(24) being connected to a CPU interface(23) of a notebook PC for reading a magnetic card, a printer(33) for printing a bankbook arrangement and a ticket/contract document, a wire modem unit(30) for a wire telephone conversation, a mobile phone unit(32) for a wireless telephone conversation, the first key unit(26) for confirming an account number of a client the second key unit(27) for a bank business, and the third key unit(28) for a mobile phone conversation are provided in a notebook PC.

Description

Online checking machine {auto checking machine by on-line}

The present invention relates to an on-line automatic storage machine which can provide various banking services in real time in the field, and in particular, the on-line automatic storage machine is connected to a host computer by wire or wireless network in the field to perform various banking services for customers in real time. Bank offices such as various contracts using laptop fish can be processed immediately on site.

As financial institutions actively demand more services for their customers, bank employees visit customers who have difficulty coming to the bank, and perform banking and withdrawal services. In the past, portable financial teller machines called handy terminals have been used.

The handheld terminal has a display unit which displays a screen interactive menu type storage / cancellation, an account number input menu screen, a transaction contents menu screen, and the like, in the order of providing the menu screen. According to the key input section to select the function and the number, the communication terminal and the POS to input the bank data (account number, balance, etc.) for the customer in the bank and to provide the bank computer with the transaction data after the bank transaction. Terminals are provided.

In the related art, a user connects mutual communication connection cables to a communication terminal of a handy terminal and a bank computer, and registers and stores bank data of customers to be visited at the bank in the memory of the handy terminal, and again, the communication connection cable of the handy terminal. After disconnecting from the bank computer, you will visit the site.

In addition, the user who visited the site calls up the main menu screen through the key input unit and the display unit according to the desired deposit and withdrawal situation of the customer, and a menu screen for storing the corresponding customer appears. Appears, and if the account number for the customer is matched again, enter the amount to be deposited by the customer now.

In addition, after the deposit, write a written receipt for the amount received, and come back to the bank for the transaction details of the customer, connect the bank computer and the handy terminal with the communication terminal and the communication connection cable, and then transfer the data to the bank computer. Was to perform the transfer.

However, in this conventional technique, the banking method of the bank side for the customer is 1.Manual connection operation for connection of the bank computer of the handy terminal → 2.Registration storage operation for the handy terminal of the customer's bank computer → 3. Bank transaction in Esau → 4.Manual access operation for connection of bank computer to handy terminal → 5.Bank transaction operation such as bank computer renewal registration storage operation of bank transaction on site with handy terminal It was difficult to avoid the inconvenience of using such a handy terminal.

In addition, such a handy terminal was difficult to carry out a comprehensive consultation on the promotion of financial products or bank transactions, and on the other hand, it is not possible to secure a good credit rating because it provides handwritten receipts to customers in the field. there was.

In addition, such a handy terminal is not convenient because it can not be expected to use a credit card or IC card, and on the other hand, it is inconvenient because it is not possible to organize the bankbook on the fly.

It is an object of the present invention that a user can easily carry a laptop like a fish while performing all operations related to banking on the spot in real time to a customer for a bank transaction through a wired / wireless communication network, and on the other hand By providing various contracts, etc. in real time, it is possible to provide an online automatic teller machine to facilitate the convenience of such banking work.

Still another object of the present invention is that the keyboard of the on-line automatic storage machine is divided into a first key part for fish work and a second key part for banking, so that banking can be accomplished more quickly by utilizing the second key part. It would be.

Another object of the present invention is that the mobile phone unit is directly installed in the interface unit of the system so that the on-line automatic receiver itself can be utilized as a mobile phone.

1 is a reference perspective view of an on-line automatic storage machine according to an embodiment of the present invention.

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

Figure 3 is an embodiment showing a financial processing program of the online automatic acceptor of the present invention

* Explanation of code for main part of drawing *

11; LCD indicator 12; Hard disk

20; Romans 21; lamb

22; Sipe oil 24; Magnet reader

26; First key portion 27; Second kibu

28; Third key portion 30; Wired modem section

32; Cell phone

The present invention is connected to the Sipeu interface of the notebook PC to meet the object of the above example, the magnetic reader for reading the bankbook and magnetic card, the printer for printing the bankbook and slips / contracts, and wired for wired calls There is a feature of an on-line automatic storage device comprising a modem unit, a mobile phone unit for a wireless call, a second key unit for banking, and a third key unit for a mobile phone call.

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

Figure 1 shows an embodiment of the on-line automatic acceptor according to the present invention.

Here, the general notebook PC-type main body is provided with an LCD display 11 and a first key part 12 constituting the notebook PC, and a second key part 27 for banking processing is provided on one side of the first key part 26. In the planar arbitrary position where the first key portion 26 and the second key portion 27 are arranged, a plurality of third key portions 28 for calling a mobile phone are provided.

In addition, a magnet reader 24 for reading a bank account and various cards is installed on one side of the main body, and a printer 33 for printing a bookbook and printing a slip / contract is provided on the lower side of the figure. have.

On the other hand, the system control circuit shown in Fig. 2 is mounted on the system main body.

In this case, the notebook PC is formed by a normal ROM 20, a CPI 22, a RAM 21, an interface 23, an LCD display 11, a hard disk 12, and a first key 26. The interface 23 includes a magnet reader 24 for reading a bankbook and a magnetic card, a printer 33 for printing a bankbook and a slip / contract, a wired modem unit 30 for a wired call, and a wireless call. The mobile phone unit 32 for, the second key unit 27 for banking, and the third key unit 28 for the mobile phone call are connected.

The present invention of such a configuration is to be carried by the user to use the on-line automatic receiving machine as shown in FIG.

When the user of the online automatic receiver finds a plurality of customers to visit, and connects the phone jack to the telephone line of the telephone provided on the customer's side, the main body of the online automatic receiver is connected to the wired network through the wired modem unit 30 of FIG. Will be in.

In addition, during wireless connection, if one of the plurality of keys of the third key unit 28 is pressed in a state where a plurality of mobile phone numbers are set in advance in the system, the sipeyu 22 recognizes this and the host computer 31 through the mobile phone unit 32. ) Is called wirelessly so that it is in wireless connection with the host computer 31.

Then, when the user is connected to the wired / wireless network communication with the bank's host computer for the banking operation, the user inputs the account number through the first key section 26 and the LCD display 11 to check the customer's account number. Call up the screen and enter the account number.

In the key input, when performing various calculations, various calculations and number related tasks required for banking can be easily accomplished by using the second key portion 27 formed of numeric keys.

In addition, the account number entered through the LCD display 11 is displayed, while the PSI 22 of the notebook PC recognizes the account number data input through the first key unit 26 and stores the input data as a temporary storage device. After storing the RAM 21, the bank host computer 31 is called again through the wired modem 30, and then the data inputted through the first key unit 26 is checked and the received result is received by the wired modem 30. The next action is to proceed.

In addition, although the account number verification can be performed from the first key section 26, the magnetic identity data installed in the account book or credit card is transferred to the magnetic identity section of the account book or credit card through the magnet reader 24. When inserted into the magnetic reader of the scratch and the identity data is transmitted to the sipeu 22 through the magnetic reader unit 24, sipeil 22 is connected to the host computer 31 of the bank through the wired modem (30) The data exchange can confirm the identity of the identity data or the balance of the customer.

In addition, after the user confirms the account number and identity code through the first key unit 26, the magnet reader unit 24, and the like, the transaction details are described in various bank transaction situations through the first key unit 26 and the LCD display 11. You can interface

In addition, since the banking situation is completed in real time, the sipeil 22 communicates with the bank computer, so that the contents of the transaction are immediately pressed by pressing the document issuing key through the first key section 26. As such, it will print a receipt etc. traded by the printer 33.

In addition, when the user arranges the customer's bankbook, when inserting the bankbook in the length groove of the printer 33 installed on the side of the online automatic storage machine, the sipieu 22 recognizes this and automatically performs the bankbook cleaning task.

On the other hand, the operation as described above is the Sipeu 22 of the laptop fish with the terminal bank processing program as shown in Figure 3, which checks whether the modem is connected to the bank computer after confirming the wired / wireless selection in the system If the modem is connected, check the transaction type.

In addition, it recognizes an input such as a bank account magnetic part, a credit card magnetic part, an icish or a memory card identity code, checks whether a transaction code is available, and goes to the credit / receive transaction mode if the transaction code is available. After updating the result processed in, check the passbook / card classification, and if it is a passbook, proceed to print the passbook and print the slip, if it is a card, print the slip, and then check if the modem is interrupted, It is done as a process.

On the other hand, when using the online automatic acceptor as a fish to create a document such as a contract, etc., a contract or the like is prepared on the fly through the first key portion 26 and the LCD display 11 as if it is a normal fish. If you print out, you can achieve real-time job processing such as loan / insurance.

Such, the present invention can perform a variety of banking operations (bankbook confirmation credit card confirmation, Irish card confirmation and credit and reception work, etc.) in real time communication with the bank computer through the wired and wireless network in the field through the online automatic storage machine, On the other hand, various contracts can be prepared and printed in real time in the field, and various processes of banking can be implemented remotely.

Claims (1)

In the notebook fish, a magnet reader 24 connected to the Sipeu interface 23 of the notebook fish to read a bankbook and a magnetic card, a printer 33 for printing a bookbook and a slip / contract, and a wired call A wired modem unit 30 for, a mobile phone unit 32 for a wireless call, a second key portion 27 for banking, and a third key portion 28 for a mobile phone call Online automated teller machine.