KR20030005073A - ATM Managment system - Google Patents

Abstract

PURPOSE: An ATM(Automatic Teller Machine) management system is provided to store an actual currency value in a mobile terminal to which an optical transceiver is attached, so as to exchange the currency value with the ATM or other mobile terminal in real time. CONSTITUTION: A user of a mobile terminal(830A) inputs a password and selects a withdrawal type. After the withdrawal type is selected, card information built in the mobile terminal(830A) is transmitted to an ATM(840A) in optical signals, and the user of the mobile terminal(830A) enters a withdrawal amount. If withdrawal in cash is selected as the withdrawal type, the desired amount of cash is withdrew by interworking with the card information received to the ATM(840A). If electronic cash is selected, the ATM(840A) transmits a currency value corresponding to the entered amount to the mobile terminal(830A) for transfer. And the transferred electronic cash is exchanged with the other mobile terminal(830B).

Description

ATM Management System {ATM Managment System}

The present invention relates to an ATM management system belonging to IPC classification H04Q7 / 24. More particularly, the present invention relates to an ATM management system which stores an actual money value in a portable terminal equipped with an optical transceiver and, in real time, with the portable terminal of an ATM or another person through the portable terminal. It's about a system for giving and receiving money.

Recently, as a payment method, a card (card) that is easy to use and carry is used more than cash. The types of cards vary depending on the type of payment, such as credit cards, cash cards, debit cards, and transportation cards. For example, a lot of cards are used to pay for goods in general stores or department stores. The card is also used to pay the bill after adding oil at a gas station or after eating at a restaurant. In recent years, cards can be used for transportation costs such as taxis, subways and buses. In addition, on-line e-commerce and ATMs / CDs can be used for cards. Like this, the number of card merchants have increased, and the types of payments that can be made with the card have also increased. Of course, there are also fields where cards are not yet used, such as tollgates, tunnel tolls, vending machines, and kiosks.

1 is a view showing a typical credit card payment system, showing a case where you need to pay for the goods in the general store.

The buyer delivers the credit card 11 in his possession to the seller. The credit card 11 is a magnetic card with a unique number and a user name engraved thereon. The seller recognizes the credit card information through the magnetic card reader of the credit card inquiry machine 12. The credit card inquiry machine 12 transmits the recognized credit card information to the van company system 13 to make an approval request. The credit card checker 12 and the bansa system 13 are connected through a dedicated line. The bansa system 13 applies the approval request received to the card company system 14 for the approval. The card company system 14 that receives the application for approval from the bansa system 13 checks whether the credit card is a bad card, the credit status of the credit card holder, the usage level of the credit card to be used, and checks the approval result. (13). Upon receiving the approval result from the card company system 14, the bansa system 13 notifies the credit card checker 12 of the store where the application for approval was first received. The store seller confirms the approval result and notifies the buyer. If the approval result is normal, the payment is completed by using the credit card by presenting the sales slip to the buyer for signature.

2 is a diagram illustrating a credit card payment system in a general electronic commerce, a cyber shopping mall 23 that provides goods or services, a terminal 22 of a customer who purchases goods or services by accessing the internet to the shopping mall 23, and a product. It consists of a payment gateway 24, a bansa 25 and a card company 26 involved in the financial relationship to.

The customer connects to the cyber shopping mall 23 by a terminal 22 connected to the Internet such as a computer and performs shopping. When the product is found to be purchased, the purchase intention is transmitted to the shopping mall 23. The customer inputs information of the credit card 21 possessed on the screen provided by the shopping mall 23, that is, card information such as a customer name, a card number, a password, and an expiration date. The shopping mall 23 transfers the card information presented by the customer to the payment gateway 24. The payment gateway 24 requests the approval through the card company 26 or the bansa 25 which is a payment institution for the transferred card information, and confirms the result and transmits the result to the shopping mall 23 where the transaction occurred. When the shopping mall 23 is notified that the payment processing is normally performed by the payment gateway 24, the shopping mall 23 completes the transaction by delivering the purchased goods.

On the other hand, electronic money is used as a new payment method besides cash or card. Electronic money can be divided into network type, IC type, and microelectronic money using telephone number. The network type is a method of storing the actual value of money in a specific database on the network and transferring it as needed when paying on-line and cannot be used off-line. IC card type electronic money is a Mondex card as a representative example. Electronic money for small payments using a phone number is registered in the relevant electronic money seller and when you purchase any goods or services on the Internet, you enter your mobile phone number instead of credit card information. This method is added to the mobile communication fee of the service.

However, such a credit card should always be carried in order to pay the cost, there is a risk of being used unfairly when lost. In addition, when using a credit card can easily grasp the individual's credit information has always been exposed to improper use. And, the card can be easily duplicated due to the act of handing the card to the seller for card inquiry. As a result, the dispute between the user and the card company increases, and there is a problem that all responsibility is passed on to the user.

So, it is a precedent for a new optical payment system that can pay and pay the cost by inputting the card information into a personal portable terminal equipped with an optical transmitter or receiver such as a mobile phone or a PDA as an alternative to the magnetic card. Techniques are being presented.

An object of the present invention is to store the actual money value in place of the card information in the portable terminal with the above-described optical transmitter and receiver to exchange the currency value stored in the portable terminal with an ATM or another mobile terminal. In providing a management system.

1 is a block diagram showing a payment system using a general credit card,

2 is a view showing a credit card payment system in a typical e-commerce,

3 is a schematic view showing a light payment system according to the present invention;

4 is an overall configuration diagram showing an electronic money system capable of real-time value transfer according to the present invention,

5 and 6 are screen configuration and processing flow chart when the electronic money withdrawal at ATM,

7 and 8 are screen configuration and processing flow chart during the exchange of electronic money in the portable terminal period,

9 and 10 are a flow chart of the screen configuration and processing when paying electronic money using a mobile terminal.

<Description of the symbols for the main parts of the drawings>

830A, 830B: Mobile Terminal 840A, 840B: ATM

842,862: Optical receiver 850: Card company / bank

860: Card reader

A feature of the present invention for achieving the above object is a method for withdrawing a certain amount of money from an ATM (ATM) using a mobile terminal, comprising the steps of: (1) inputting a password to the mobile terminal and selecting a withdrawal form; (2) if the withdrawal form is selected, transmitting card information embedded in the portable terminal to the ATM as an optical signal and inputting a withdrawal amount; and (3) if withdrawal is selected with the card information received at the ATM. And cashing out a desired amount of money to be linked, and if the electronic money is selected, transfers and transfers the money value of the amount input to the portable terminal in the ATM.

Another feature for achieving the object of the present invention, in the electronic money system, the card information and the withdrawal amount is transmitted as an optical signal, and a portable terminal for receiving a currency transferred from the ATM, and an optical transceiver is attached to the Receives the card information and withdrawal amount, if the user selects the cash withdrawal cash payment in conjunction with the received card information, if the electronic currency selects the ATM to transmit the money to the mobile terminal by transmitting the amount to the optical signal In the optical payment system comprising a.

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

3 is a basic conceptual diagram of a payment system using an optical payment according to the present invention, which is largely divided into a card issuing system and a payment system. The card issuing system attaches the optical transmitter and receiver to the card issuing terminal of the card company and inputs the information of the credit card to the portable terminal of the card applicant with the optical receiver for data optical transmission.The card information is input to the battery pack of the portable terminal. The card is issued through a scheme of downloading a card's information to a mobile terminal through a wired and wireless network. The card issuing system consists of a card applicant 31, a card company issuing a card 36, and a relay station 37 which transmits the information of the issued card to the portable terminal possessed by the applicant 31 using the aforementioned methods. do. Of course, the role of the relay station 37 may be directly performed by the card company 36. A communication network 38 of a mobile communication company corresponding to the mobile terminal is connected between the relay station 37 and the applicant 31 for RF transmission of card information to the portable terminal possessed by the applicant 31. The card company 36 and the relay station 37 are connected through a telephone network (X.25). The payment system includes a mobile terminal 31 for optically transmitting the issued credit information, a credit inquiry terminal 33 for receiving credit information from a customer credit information signal transmitted by attaching an optical receiver 32 and a credit inquiry, and It consists of a payment institution 36 for credit confirmation and transaction approval. The payment institution 36 becomes a bank or a card company, and a transaction approval request is made through the bansa 35. The relay station 34 is selectively connected between the credit inquiry terminal 33 and the bansa 35 of the merchant.

By applying the payment method by the optical payment using the portable terminal to the actual value transfer of money, there is no need to carry cash or card when using a bank cash machine (ATM).

The present invention provides a function of storing or transmitting a real money value to a portable terminal in which an optical transmitter is built so that the value of money can be exchanged in real time with an ATM or another mobile terminal. In addition, when paying the amount in a general store, such as the real-time transfer of money value from the mobile terminal of the seller to the mobile terminal or card reader attached to the optical receiver.

4 is an electronic money system capable of real-time value transfer according to the present invention, in which a user of the portable terminal 830A with the optical transmitter receives a certain amount of money from the cash dispenser 840A with the optical receiver 842. Received by The user transfers the electronic money received by the mobile terminal 830A to the card reader 860 to which the other cash dispenser 840B or another person's portable terminal 830B or the general store optical receiver 862 is connected.

First, a case of withdrawing electronic money from the cash dispenser 840A will be described.

5 and 6 are flow charts of the screen configuration and processing at the withdrawal of the electronic money in the cash dispenser 840A.

The user selects an ATM machine 840A on his mobile terminal menu screen (FIG. 5A) (step 851). Then, a screen asking for a password is displayed on the screen of the mobile terminal 830A as shown in FIG. 5B. When the user enters a password, the mobile terminal 830A checks whether it is a normal password (step 852). If a normal password is input, the mobile terminal 830A displays a screen for selecting a form of withdrawal (FIG. 87C). The user selects a desired withdrawal form among cash and electronic money (ZOOP money) displayed on the screen of FIG. 5C. The mobile terminal 830A checks the withdrawal form selected by the user (step 853). If cash is selected, cash is withdrawn using the same procedure as in the conventional ATM usage method. That is, if the cash is selected, the mobile terminal 830A transmits payment information to the ATM 840A (step 854). The ATM 840A to which the optical receiver 842 is attached receives payment information through the optical receiver 842. The ATM 840A, receiving the payment information, displays a screen asking for the withdrawal amount. The user inputs the desired amount according to the instruction of the ATM 840A (step 855), and waits until the approval process is completed (step 856). At this time, the ATM 840A displays the amount of money input by the user on the screen so that the user can check it and shows that it is processing. The ATM 840A pays the cash of the amount after the approval process and allows the user to withdraw it (step 857). In step 853, when the user selects electronic money, the ATM 840A asks how much it wants to receive. The user manually enters the desired amount into ATM 840A (step 858) and waits. The ATM 840A displays a message indicating that processing is in progress, and then displays a screen indicating that the transmission preparation is completed. Then, the user presses the execution of the money receiving selection option displayed on the menu of the mobile terminal 830A shown in Fig. 5D. The mobile terminal 830A checks whether the currency transfer button is pressed (step 859). If the execution button is pressed, the amount of money input from the ATM 840A is transferred to the mobile terminal 830A. At this time, on the screen of the mobile terminal 830A, the received, completed and transferred amounts are sequentially displayed as shown in FIG. 5E. At the same time, a message indicating completion of transmission is displayed on the screen of the ATM 840A. The user confirms the received amount after the transfer of the monetary value from the ATM 840A (step 860). At this time, if the received amount is correct, the transfer of the monetary value is terminated.

Next, the electronic money exchange in the portable terminal period will be described.

7 and 8 are flowcharts of screen configuration and processing in the exchange of electronic money in the mobile terminal period.

The payer and the recipient each select cash transfer and cash receipt on the menu screen as shown in FIG. 7A of the mobile terminals 830A and B (steps 891A and B). Then, the portable terminals 830A and B display a screen to select one of the transmission targets of the portable terminal (ZOOP phone) and the ATM as shown in FIG. 7B. Both the payer and the receiver select a transmission destination with the mobile terminal (steps 892A and B). When the transmission destination is selected, the mobile terminals 830A and B display a screen asking for a password as shown in FIG. 7C. When the payer and the receiver each enter a password, the mobile terminals 830A and B check whether it is a normal password (steps 893A and B). If a normal password has been entered, the payer enters the amount to be sent (step 894A). At this time, the receiver waits for reception (step 894B), and the mobile terminal 830B displays the reception waiting as shown in FIG. 7D. The payer side mobile terminal 830A displays a screen for selecting whether to transfer money when a remittance amount is input. The payer side mobile terminal 830A transmits the electronic money to the receiver side mobile terminal 830B which was waiting to be received at the same time when the currency transfer is selected (step 895A). At this time, the receiver side mobile terminal 830B receives the electronic money transmitted (step 895B). Each of the payer and the receiver's portable terminals 830A and B display transmission and reception as shown in FIG. 7E. The payer and receiver side portable terminals 830A and B check the transmission and reception completion (steps 896A and B), and if the transmission and reception is completed, display the amount of the transmission and reception to confirm the amount (steps 897A and B). At this time, the balance is also displayed. Pressing the OK button in this state ends the electronic money exchange.

Next, the electronic money payment using a mobile terminal in a general commerce will be described.

9 and 10 are flowcharts of screen configuration and processing for electronic money payment using a mobile terminal.

When a user having a mobile terminal with a built-in electronic money 830A purchases goods or services in a general store and pays the amount in electronic money, the user selects cash transfer from the menu as shown in FIG. 9A (step 901). . When the cash transmission is selected, the mobile terminal 830A displays a screen asking for a password as shown in FIG. 9B. If the user enters a password, the mobile terminal 830A checks whether it is a normal password input (step 902). If the password is normal, the mobile terminal 830A displays a screen asking for a transmission target as shown in FIG. 9C and checks a transmission target to be selected (step 903). Here, the user selects a POS as a transmission target. If the transfer target is POS, the mobile terminal 830A displays a screen asking for the transfer amount along with the current amount as shown in FIG. 9D. The user enters a transfer amount into the mobile terminal 830A (step 904). When the transfer amount is input, the mobile terminal 830A displays a screen asking whether to transfer money as shown in FIG. 9E and checks it (step 905). When the user presses the action button, the mobile terminal 830A transmits the electronic money toward the optical receiver 862 connected to the credit card inquiry 860 of the corresponding business and shows that it is being transmitted to the screen as shown in FIG. 9F. When the transmission is completed, the mobile terminal 830A displays the transferred amount as shown in FIG. 9G and confirms this (step 906). To confirm the transfer amount, if the user selects the cash check, the remaining balance after the payment is displayed.

As described above, the ATM management system of the present invention stores a real money value in a portable terminal with an optical transceiver and transfers the money value in the form of infrared rays to an ATM or another person's mobile terminal, thereby providing a simple and safe cash transaction system. Can be built. In addition, since the value of real-time money is transferred in the form of infrared ray by attaching a optical receiver to ATM or card reader, cash transactions can be carried out without carrying a cash or card, thereby minimizing the inconvenience of having a card or cash. Can be.

Claims (6)

In the method of withdrawing a predetermined amount from an ATM (cash machine) using a mobile terminal, (1) inputting a password into the portable terminal and selecting a withdrawal form; (2) if a withdrawal type is selected, transmitting card information embedded in the portable terminal to the ATM as an optical signal and inputting a withdrawal amount; And (3) if cash withdrawal is selected, cash payment is made with the desired card information in connection with the card information received at the ATM; How to include. The method of claim 1, further comprising the step (4) of exchanging the transferred electronic money with another mobile terminal. The method of claim 2, wherein step (4) (4a) selecting cash transmission and reception at a payer and a receiver's portable terminal, and inputting a password; (4b) inputting an amount to be transmitted to the payer portable terminal if the entered password is normal, and receiving and waiting for the receiver portable terminal; (4c) selecting to transmit money to the payer's mobile terminal and transmitting and receiving electronic money to the receiver's mobile terminal waiting to receive; And (4d) checking the transmission and reception completion, and if the completion is completed, displaying the amount and balance received. In electronic money system, A mobile terminal for transmitting the card information and the withdrawal amount as an optical signal and receiving a currency transferred from an ATM; And An optical transmitter and receiver are attached to receive the card information and the withdrawal amount, and if the user selects cash withdrawal, the amount is paid in cash in connection with the received card information, and if the electronic currency is selected, the amount is sent to the mobile terminal as an optical signal. An optical payment system comprising an ATM for transmitting money transfer. The optical payment system of claim 4, wherein the mobile terminal exchanges a currency with another mobile terminal and pays a purchase price in electronic money. The mobile terminal of claim 5, wherein the mobile terminal inputs a mobile terminal and a transfer amount to be transferred, and if the transfer of money is selected, the electronic money is transferred to the portable terminal of the transfer amount, and the transfer amount and balance are transferred. Display payment system.