KR20030009830A - Apparatus and Methods for Cash Payment Service using a Mobile Terminal - Google Patents

Abstract

PURPOSE: A device and method for withdrawal of cash using mobile terminal is provided to get the cash by issuing an approval number of a cash to a client connected through a mobile phone and checking a client by an approval number inputted through an automated cash teller machine. CONSTITUTION: A mobile terminal(100) is connected to a base stations(110,120,130), performs a web service, and transmits account number, a password, money information inputted from a client to a destination. An Internet server(140) is connected between the Internet and the mobile terminal(100) and performs an Internet service. A mobile banking server(200) is connected to the Internet server(140), receives the account number and the password from the mobile terminal(100), authenticates a client, requests an account authentication for supplying a cash withdrawal service, issues an approval number to an authenticated account, and supplies a cash withdrawal service. A bank server(300) receives an account authentication from the mobile banking server(200). In the case that a cash withdrawal service is possible, the bank server(300) transmits authentication information to the mobile banking server(200), and approves a cash withdrawal based on the approval number. Automated cash teller machines(410,420,430) receive the account number and the approval number form the client, transmit the numbers to the bank server(300). In the case that a cash withdrawal approval exists from the bank server(300), the automated cash teller machines(410,420,430) withdraw a corresponding cash or check.

Description

Apparatus and method for cash payment service using a mobile terminal}

The present invention relates to a cash withdrawal service, and more specifically, by receiving the information of the account number and the amount to be withdrawn through the mobile terminal issuing an authorization number when withdrawal is possible, and the account number and authorization number from the ATM The present invention relates to a cash withdrawal service using a mobile terminal that withdraws the amount requested from the mobile terminal if normally input.

In recent years, ATMs (CDs or ATMs) have been installed in various locations to provide customers with deposit and withdrawal services in addition to bank opening hours.

Such a cash dispenser inserts a so-called cash card issued from a bank, inputs a password to confirm authentication, receives an amount to be withdrawn and processes the transaction when it is possible to withdraw money. Therefore, a customer with a cash card can visit a branch with a cash dispenser at his free time to make a cash transaction.

However, such a cash withdrawal service using a conventional card has a problem that it is difficult to request a withdrawal from a third party because the card must always have a card and withdraw a serviceable amount of a cash card in one withdrawal.

Therefore, the present invention has been proposed to solve the above-mentioned problems, issuing an authorization number of the cash withdrawal service to the customer connected via a mobile phone and cash withdrawal by confirming the customer by the authorization number entered through the ATM machine. An object of the present invention is to provide an apparatus and method for cash withdrawal service using a mobile terminal.

1 is a view schematically showing the overall configuration of a cash withdrawal service device using a mobile terminal according to an embodiment of the present invention.

FIG. 2 is a view schematically showing the structures of a transaction information database and an ATM machine database shown in FIG. 1; FIG.

3 is a view showing the overall flow of the cash withdrawal service using a mobile terminal according to an embodiment of the present invention.

Figure 4 is a view showing the flow of services performed in the mobile banking server in the cash withdrawal service using a mobile terminal according to an embodiment of the present invention.

FIG. 5 is a flowchart showing in detail a cash machine location information service shown in FIG. 4; FIG.

6 is a view showing the flow of services performed in the ATM in the cash dispensing service using a mobile terminal according to an embodiment of the present invention.

7 is a view showing the flow of services performed in the bank server in the cash withdrawal service using a mobile terminal according to an embodiment of the present invention.

<Description of Symbols for Main Parts of Drawings>

100: mobile terminal 110, 120, 130: base station

140: mobile phone Internet server 200: mobile banking server

210: customer database 300: bank server

310: ATM machine location information database

320: transaction information database 410, 420, 430: cash dispenser

According to a feature of the present invention proposed to achieve the above object, the cash withdrawal service device using a mobile terminal is wirelessly connected to the mobile phone base station to perform the web service function while entering the account number, password and amount entered from the customer A mobile terminal for transmitting to a destination; A mobile telephone Internet server connected between the Internet and the mobile terminal to perform an Internet service; Connected to the mobile phone Internet server to authenticate the customer through the account number and password from the mobile terminal, request account authentication to provide a cash withdrawal service, and provides a cash withdrawal service by issuing an authorization number to the authenticated account A mobile banking server; A bank server that receives a request for account authentication from the mobile banking server and transmits authentication information to the mobile banking server when a cash withdrawal service is available; And a cash dispenser that receives an account number and an authorization number from a customer, transmits it to the bank server, and withdraws a cash or check corresponding to a cash withdrawal approval from the bank server.

In a preferred embodiment of this aspect, the mobile terminal is characterized by providing the current position information of the mobile terminal.

In a preferred embodiment of this feature, the mobile banking server comprises a customer database for registering information of account numbers and bank codes.

In a preferred embodiment of this feature, the bank server comprises a transaction information database for registering information of account number, password and authorization number.

In a preferred embodiment of this feature, the bank server includes a cash machine location information database for registering the information of the ATM code, the installation location and the containing area.

According to another feature of the present invention, a cash withdrawal service method using a mobile terminal includes the steps of checking whether a customer connected through the mobile terminal is a registered customer; Receiving a cash withdrawal service request from the confirmed customer in the step of confirming whether the registered customer, and receiving the account number, password and the amount from the customer to confirm whether the service can be provided by the bank server; And generating and transmitting a transaction approval number to the authenticated customer when it is determined that the service can be provided in the step of checking whether the service can be provided.

In a preferred embodiment of this feature, the step of generating and transmitting the transaction approval number is characterized in that it comprises the step of transmitting the transaction approval number to the transmitted bank server in the step of confirming that the service can be provided.

According to another feature of the invention, the cash withdrawal service method using a mobile terminal comprises the steps of receiving a service code, account number and authorization number from the cash machine; Checking the approval number of the customer based on the account number and the approval number inputted from the receiving step; And approving that the cash is withdrawn from the ATM when the approval number is determined to be normal at the step of confirming the approval number.

Hereinafter, embodiments of the present invention will be described in detail with reference to FIGS. 1 to 7.

1 is a view schematically showing a cash withdrawal service apparatus using a mobile terminal according to an embodiment of the present invention. In the drawings, reference numeral 100 denotes a mobile terminal, 110-130 is a base station, 140 is a mobile internet server, 200 is a mobile banking server, 210 is a customer database, 300 is a bank server, and 310 is a ATM machine location information database, 320 is a transaction information database, and 410 to 430 represent an ATM machine.

As shown in the figure, a customer who wants to receive a cash withdrawal service uses a mobile terminal 100 such as a mobile phone.

The customer connects to the mobile telephone internet server 140 through the base station of the mobile telephone operator using the mobile terminal 100. The mobile telephone internet server 140 provides a wireless application protocol (WAP), for example, so that the mobile terminal 100 can access the Internet.

Then, the customer is connected to the mobile banking server 200 that provides a cash withdrawal service through the mobile terminal 100 and the mobile phone Internet server 140. The mobile banking server 200 issues an authorization number for the cash withdrawal service to the mobile terminal 100 through the mobile phone Internet server 140, and is connected to the bank server 300 so that cash can be withdrawn. do. The mobile banking server 200 includes a customer database 210 for registering information of customers who have subscribed to a cash withdrawal service.

The bank server 300 is installed in the same bank as the mobile banking server 200, or is installed in another bank. That is, the bank server 300 is composed of a computer system independently operated by each bank, the mobile banking server 200 is connected to the bank server 300 installed in each bank to provide a cash withdrawal service. The bank server 300 includes a transaction information database 320 for registering transaction details of a provided cash withdrawal service and an ATM location information database 310 for registering location information of an ATM machine installed in a corresponding bank.

The bank server 300 is connected to the ATMs (410 ~ 430) installed in each region to provide a cash withdrawal service. Information on each location where the ATMs 410 to 430 are installed is registered in the ATM location information database 310.

FIG. 2 is a diagram schematically illustrating the structure of the transaction information database 320 and the ATM location information database 310 shown in FIG. 1. 2A shows the structure of the master file of the transaction information database 320, FIG. 2B shows the structure of the detailed transaction file according to each service, and FIG. 2C shows the structure of the ATM machine information database 310. FIG. will be.

The structure of the master file of the transaction information database 320 is composed of fields such as account number, account password, transfer password, name, telephone number, address, bank code. The structure of the detailed transaction file is composed of fields such as account number, transaction request date, authorization number, request amount, processing result, processing date, and ATM code. The master file and the detailed transaction file are formed in one-to-many relationship by account number.

On the other hand, ATM location information database 310 is composed of the ATM code, the installation point, the address, the field of the containing area. Here, the coverage area field is composed of keywords for searching for a nearby area based on the location information of the mobile terminal.

3 is a view showing the overall flow of the cash withdrawal service using a mobile terminal according to an embodiment of the present invention. In the drawings, reference numeral 100 represents a mobile terminal, 200 represents a mobile banking server, 300 represents a bank server, and 400 represents an ATM.

First, the customer logs on to the mobile banking server 200 by using a mobile terminal 100 such as a mobile phone (S10). Then, the mobile banking server 200 confirms the customer by using the information registered in the customer database 210 for the customer of the logged-on mobile terminal (S20). Subsequently, the mobile banking server 200 may be connected to the bank server 300 to check the secondary of the customer (S30).

In this way, the customer has made a confirmation process is to apply for cash withdrawal service (S40). In order to receive the cash withdrawal service, the customer submits withdrawal information such as withdrawal account number, account password, transfer password, and request amount to the mobile banking server 200 (S50). Then, the mobile banking server 200 receives the withdrawal information from the mobile terminal 100 (S60), and confirms the customer's account through the bank server 300 (S70).

Subsequently, when the mobile banking server 200 is normally confirmed for the customer's account from the bank server 300, the mobile banking server 200 generates an approval number so that the transaction is made (S80). The authorization number of the transaction is used as a password that can be used only once.

When the approval number is generated in this way, the mobile banking server 200 transmits the processing result and the generated approval number to the mobile terminal 100 and the bank server 300, respectively (S90). Then, the mobile terminal 100 and the bank server 300 receive the transaction results, respectively (S100 and S110).

Subsequently, the mobile banking server 200 requests location information to the mobile terminal 100 (S120). Then, the mobile terminal 100 transmits the current geographic location information to the mobile banking server 200 side (S130).

Subsequently, the mobile banking server 200 receives the location information of the customer from the mobile terminal 100 and transmits the received location information to the bank server 300 to locate the location of the ATM closest to the customer. Received, and transmits the location information of the ATM machine to the mobile terminal (100) (S140). The location information of the ATM machine transmitted to the mobile terminal 100 is displayed as an image or text (S150).

Then, the cash withdrawal service user can withdraw cash from the ATM by the received approval number.

The customer who wants to withdraw the cash to request the withdrawal by entering the account number and the approval number through the key input button of the cash dispenser 400 (S160). Then, the bank server 300 checks and authenticates the customer based on the account number input from the ATM 400 (S170). Subsequently, the bank server 300 checks whether to provide a cash withdrawal service based on the approval number from the ATM 400 (S190).

When the cash withdrawal is approved as described above, the bank server 300 allows the requested amount to be withdrawn through the cash dispenser 400 (S210). When the cash withdrawal is normally completed, the bank server 300 completes the account processing of the account (S220), and records the transaction results (S230).

4 is a view showing the flow of services performed in the mobile banking server 200 in the cash withdrawal service using a mobile terminal according to an embodiment of the present invention.

The mobile banking server 200 connects to the mobile terminal to provide a service according to a request from the mobile terminal 100 (S410). Subsequently, the mobile banking server 200 requests the mobile terminal 100 to input customer information for confirming the identity of the customer (S420), and receives the customer information from the mobile terminal 100 (S430).

When the customer information is received in this way, the mobile banking server 200 checks the customer by querying the customer database 210 based on the received customer information (S440). In this case, if the customer is not registered, a message requesting registration is transmitted to the mobile terminal 100 (S500). In the case of a registered customer, a request is made to input information such as an account number, a password, and an amount ( S460). The account number is an account registered to receive a cash withdrawal service using a mobile phone according to an embodiment of the present invention. And the password may be composed of account password and transfer password. In addition, the amount represents the amount to be withdrawn.

Subsequently, the mobile banking server 200 receives an account number, a password, and an amount from the mobile terminal 100 (S470). Subsequently, a predetermined service code indicating a cash withdrawal service using a mobile phone together with the received account number, password and amount is transmitted to the corresponding bank server 300 (S480). In this case, the bank code is referred to.

The mobile banking server 200 requesting the service to the bank server 300 as described above receives a response from the bank server 300 (S490). If the received response data from the bank server 300 is not approved, the mobile terminal 100 transmits, for example, a "non-approved" message to the mobile terminal 100 (S560), and generates a one-time approval number when indicating the approval ( S520). Then, the approval number generated as described above is transmitted to the mobile terminal 100 and the bank server 300, respectively (S530, S540).

Finally, the mobile banking server 200 provides the location information service of the nearest cash machine using the location information of the mobile terminal 100 (S550).

FIG. 5 is a flowchart showing in detail the ATM information service shown in FIG. 4.

First, when the ATM location information service is started, the mobile banking server 200 requests the location information to the mobile terminal 100 (S610). Such location information may be requested to the corresponding mobile communication company. Then, the mobile terminal 100 transmits the location information of the mobile phone to the mobile banking server 200 in response to a request from the mobile banking server 200. As such, when the location information of the mobile phone transmitted from the mobile terminal 100 is received by the mobile banking server 200, the mobile banking server 200 inquires the location of the nearest ATM machine based on the received location information of the mobile phone. (S630).

At this time, the mobile banking server 200 may query the location of the ATM machine to the bank server 300 corresponding to the account of the customer receiving the service. In this case, the mobile banking server 200 receives the location information of the ATM machine from the bank server 300.

When the location of the ATM closest to the customer is inquired as described above, the mobile banking server 200 transmits the location information of the inquired ATM to the mobile terminal (S640). The location information of the ATM may be composed of image data representing a map or text data representing an address.

6 is a view showing the flow of services performed in the ATM machine in the cash dispensing service using a mobile terminal according to an embodiment of the present invention.

A customer according to an embodiment of the present invention selects a button for receiving a cash withdrawal service using a mobile phone by using a predetermined key input button of the ATM machine 400. At this time, the corresponding service code is input to the ATM (S310). Then, the customer enters the account number and the approval number according to the message from the ATM 400 (S320).

Subsequently, the ATM 400 transmits the input service code, the account number, and the authorization number to the bank server 300 (S330), and waits until the response data is received.

At this time, when data is received from the bank server 300 (S340), the ATM 400 determines whether cash withdrawal has been approved (S350). When the response from the bank server 300 approves the withdrawal of cash, the ATM 400 retrieves the corresponding amount from the received data and withdraws the cash or check (S360). When the withdrawal of cash or check is made normally, the cash dispenser 400 transmits the withdrawal result information to the bank server 300 (S380).

7 is a view showing the flow of services performed in the bank server 300 in the cash withdrawal service using a mobile terminal according to an embodiment of the present invention.

When the service is started, the bank server 300 receives a service code corresponding to the cash withdrawal service using a mobile phone (S710).

When the service code is received in this way, the bank server 300 determines whether the received service code is received from the mobile banking server 200 or the cash dispenser 400 (S720). The determination may be configured to identify and assign different service codes, or may be identified by adding a device identification number indicating whether the service is a mobile banking server or an ATM.

When the received service code is received from the mobile banking server 200, it is determined whether the data received together with the service code includes an authorization number (S730), an account number, a password and an amount ( S750). If the received data includes the authorization number, the authorization number is registered in the corresponding account requesting the service (S740).

On the other hand, when the received data includes the account number, password and amount, the mobile banking server 200 authenticates the account by the received account number and password (S760). At this time, if the account is normally authenticated by the account number and password, the bank server 300 inquires the balance of the account (S780).

Then, the bank server 300 determines whether the requested amount (received amount) is equal to or smaller than the balance of the account (S790). When the withdrawal is possible in the determination of the amount, the bank server 300 transmits a message of "approval" to the mobile banking server (S800), and if it is impossible to withdraw, transmits a message of "lack of balance" to the mobile banking server. (S810).

On the other hand, when determining that the service code is received from the cash machine 400 in the step (S720) of determining whether it is received from the mobile banking server 200 or the cash dispenser 400, the bank server 300 Receives the account number and the authorization number with the service code (S820), and looks up the corresponding account based on the account number (S830).

And the bank server 300 determines whether the received approval number is registered in the corresponding account (S840). That is, when the authorization number is registered in the corresponding account, the bank server 300 determines whether it matches the received authorization number (S840). At this time, if the approval number is matched, the bank server 300 determines whether the service required amount can be withdrawn (S850).

When the amount requested above can be withdrawn, the bank server 300 transmits a message of, for example, "cash withdrawal approval" to the ATM machine 400 (S860). Subsequently, the bank server 300 receives the withdrawal result information from the ATM 400 (S870). If it is determined that the withdrawal is successful, the bank server 300 completes the approval number of the corresponding account (S890) and registers the transaction result (S910). ). The transaction result is registered in the transaction information database 320.

On the other hand, in the service by the bank server 300, the ATM location information service is not shown, but after receiving the location information of the mobile phone from the mobile banking server 200, the ATM of the ATM from the location information database 310 The location may be queried and transmitted to the mobile banking server 200.

The present invention solves a problem that a conventional cash service using a cash card is difficult for a customer to always have a card and request a withdrawal from a third party.

Even if you do not have a cash card, you can use your mobile phone to apply for the cash withdrawal service of your account, get an authorization number, and you or a third party can withdraw cash from the ATM. Therefore, the cash withdrawal machine can withdraw only the amount already requested by the customer and can safely trade.

In addition, since the cash card is not used, the balance of the account may not be displayed, thereby protecting personal information.

Claims (10)

A mobile terminal wirelessly connected to the mobile telephone base station to perform a web service function and to transmit the account number, password and amount information input from the customer to the destination; A mobile telephone Internet server connected between the Internet and the mobile terminal to perform an Internet service; It is connected to the mobile phone Internet server to receive the account number and password from the mobile terminal to authenticate the customer, request account verification to provide a cash withdrawal service, and issue a cash withdrawal service by issuing an authorization number to the authenticated account. Providing mobile banking server; A bank server that receives a request for account authentication from the mobile banking server and transmits the authentication information to the mobile banking server when the cash withdrawal service is available, and approves the cash withdrawal based on the approval number; And Cash withdrawal service device using a mobile terminal, comprising a cash machine for receiving the account number and the authorization number from the customer to the bank server and withdraw cash or check corresponding to the cash withdrawal approval from the bank server . The method of claim 1, The mobile terminal is a cash withdrawal service device using a mobile terminal, characterized in that to provide the current location information of the mobile terminal. The method of claim 1, The mobile banking server is a cash withdrawal service device using a mobile terminal, characterized in that it comprises a customer database for registering the information of the account number and bank code. The method of claim 1, The bank server is a cash withdrawal service device using a mobile terminal, characterized in that it comprises a transaction information database for registering the information of the account number, password and authorization number. The method of claim 1, The bank server includes a cash dispenser code, a cash dispenser location information database that registers information on an installation point and an included region. The method of claim 5, The bank server is a cash withdrawal service device using a mobile terminal, characterized in that for transmitting the authentication information at the same time at the time of transmitting the ATM information. Checking whether the customer connected through the mobile terminal is a registered customer; Receiving a cash withdrawal service request from the confirmed customer in the step of confirming whether the registered customer, and receiving the account number, password and the amount from the customer to confirm whether the service can be provided by the bank server; And If it is determined that the service can be provided in the step of providing the service, the cash withdrawal service method using a mobile terminal, characterized in that it comprises the step of generating and transmitting the authorization number to the authenticated customer. The method of claim 7, wherein The step of generating and transmitting the transaction approval number comprises the step of transmitting the authorization number to the transmitted bank server in the step of confirming that the service can be provided. Receiving a service code, an account number, and an authorization number from an ATM; Requesting confirmation of a customer's approval number from a bank server based on the account number and the approval number inputted from the receiving step; And Cash withdrawal service method using a mobile terminal, characterized in that configured to withdraw the cash from the cash machine when the approval number in the step of confirming the approval number is normal. Checking whether the customer connected through the mobile terminal is a registered customer; Receiving a cash withdrawal service request from the confirmed customer in the step of confirming whether the registered customer, and receiving the account number, password and the amount from the customer to confirm whether the service can be provided by the bank server; Generating and sending an approval number to the authenticated customer when it is determined that the service can be provided in the step of checking whether the service can be provided; Receiving a service code, an account number, and an authorization number from an ATM; Requesting confirmation of a customer's approval number from a bank server based on the account number and the approval number inputted from the receiving step; And Cash withdrawal service method using a mobile terminal, characterized in that configured to withdraw the cash from the cash machine when the approval number in the step of confirming the approval number is normal.