KR20030038649A - Method For Paying A Contribution Using An Automated Teller Machine - Google Patents

Abstract

PURPOSE: A donation method is provided to enable a user to make a donation as well as to perform financial processes by using cash dispensers installed at various places. CONSTITUTION: The method comprises several steps. A cash dispenser processes a financial work request(204), and outputs a message asking whether a user makes a donation during or after the process of the financial work request(206). If the user agrees with the donation, the cash dispenser enables the user to input a donation amount and a donation method(252, 254). Then the cash dispenser transmits the donation method and amount to a management system, and the management system makes a corresponding financial system process the input donation amount and method(256, 258, 260, 262). The cash dispenser receives and outputs a donation process result. The message, output in the step 204, includes a list of donation collecting organizations, a current collection amount, a donation purpose and others. The donation method can be an EFT, a cash service of a credit card, and others.

Description

Method for Paying A Contribution Using An Automated Teller Machine}

The present invention relates to a method for paying donations.

Fundraising is a long-standing practice, and there are many different types and methods of helping the underprivileged, helping the New Year neighbors, helping children with various diseases, and raising funds to help victims of various disasters.

On the other hand, donations such as above are made through various media, using a collection box on the street, using an ARS telephone service, or using various fundraising events (concerts, movies, plays, etc.).

However, the above methods require users to make specific donations, such as visiting each media, making ARS phone calls, participating in various fundraising events, etc. in order to pay donations. There is a problem that even a user with a heart can not easily donate.

In addition, the media also provides a method for paying a donation through a certain account number, but in this case, users must visit a bank or try Internet banking with the intention of paying a donation. Does not provide an easy way to make donations.

On the other hand, due to the development of the network, ATMs are widely deployed in banks or branches or public places, but the ATMs are not useful because they merely perform financial services and do not provide more various services. Has a problem.

The present invention is to solve the conventional problems as described above, by using a cash dispenser provided in a variety of places to perform a general financial business and at the same time to pay the donations, payment of donations using a cash dispenser To provide a way.

1 is a configuration diagram of an embodiment of an automatic cash payment system to which the present invention is applied.

Figure 2 is a flow diagram of one embodiment of a donation payment method using an ATM according to the present invention.

Figure 3 is another embodiment of a donation payment method using a cash dispenser according to the present invention.

Figure 4 is another embodiment of the donation payment method using an ATM according to the present invention.

In order to achieve the above object, the present invention provides a method for paying a donation using a cash dispenser applied to an automatic cash dispenser system, the method comprising: a first step of processing a financial business required by a user; A second step of outputting a message inquiring whether to pay a donation to an output unit (15) during processing of the financial business or after processing the financial business; A third step of receiving a donation payment method and an amount of donation when a request for donation payment is input from a user; When the donation payment method and the donation amount are input from the user, the donation payment method and the donation amount are transmitted to the automatic teller machine management system 20 so that the financial business system 40 can process the donation payment. 4 steps; And a fifth step of receiving the donation payment processing result from the cash dispenser management system 20 and outputting the result through the output unit, wherein the message output in the second step includes a list of groups to be paid and present. At least one of donation recruitment amount, the purpose of donation recruitment, donation payment method, the amount to be donated, the third step of the donation payment method, the payment through a transfer from the user's own bank account, Payment by using a cash service of the credit card, characterized in that at least one of the payment through the cash deposit to the automatic teller machine 10.

In addition, the present invention is a method for paying a donation using a cash dispenser applied to a cash dispenser system, the method for outputting a menu related to a general financial business and a donation payment task menu when a request for using the cash dispenser is requested. Stage 1; A second step of performing a corresponding financial affair when a menu related to a general financial affair is selected from a user, and receiving a donation payment method and a donation amount when a donation payment task menu is selected; When the donation payment method and the donation amount are input from the user, the donation payment method and the donation amount are transmitted to the automatic teller machine management system 20 so that the financial business system 40 can process the donation payment. Three steps; And a fourth step of receiving the donation payment processing result from the cash dispenser management system 20 and outputting the result through the output unit, wherein the donation payment business menu of the second step includes a list of organizations to be paid; At least one of the donation amount so far, the purpose of donation, the donation payment method, the amount to be donated, and the donation payment method of the second step, the payment through a transfer from the user's own bank account Payment by using the cash service of the credit card, characterized in that at least one of the payment through the cash deposit to the automatic teller machine 10.

In addition, the present invention provides a method for paying a donation using a cash dispenser applied to a cash dispenser system, the method comprising: a first step of outputting a message inquiring whether to pay a donation when there is a request for using the cash dispenser; A second step of processing a requested financial business after outputting a financial business processing menu when a request for rejection of donation payment is input from a user; A third step of receiving a donation payment method and an amount of donation when a request for donation payment is input from a user; When the donation payment method and the donation amount are input from the user, the donation payment method and the donation amount are transmitted to the automatic teller machine management system 20 so that the financial business system 40 can process the donation payment. 4 steps; And a fifth step of receiving the donation payment processing result from the cash dispenser management system 20 and outputting the result through the output unit, wherein the message output in the first step includes a list of groups to be paid and present. At least one of the donation recruitment amount, the purpose of the donation recruitment, donation payment method, the amount to be donated, and the donation payment method of the third step, the payment through a transfer from the user's own bank account, Payment by using a cash service of the credit card, characterized in that at least one of the payment through the cash deposit to the automatic teller machine 10.

That is, the present invention is to enable a customer of a financial institution such as a bank to donate an appropriate amount to a charitable organization and donor using the ATM when the ATM is provided in a financial institution or various public places. will be.

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

1 is a configuration diagram of an embodiment of an automatic cash dispenser system to which the present invention is applied.

As shown in the figure, the automatic cash dispense system to which the present invention is applied is provided at each financial institution (or branch) or public place such as a bank, securities company, credit card company, or the like, so as to select whether to donate to a specific group. A cash dispenser 10 for receiving the cash dispenser management system 20 for managing the cash dispenser and receiving a financial transaction request transmitted from the ATM, and performing various financial transactions. And a financial settlement system 30 for relaying or authenticating financial services between the plurality of financial business systems 40 and the plurality of financial business systems.

In this case, the financial business system 40 refers to a system operated by a financial institution such as a bank, credit card company, insurance company, or securities company to process financial business.

In addition, the automatic teller machine management system (hereinafter, simply referred to as "management system") 20 is a system for managing the automatic teller machine 10 in cooperation with the financial business system 40 or the financial It may be a system operated by an internal organization (or a consignment agency) of a specific financial business system (eg, a banking system).

In addition, the financial settlement source system 30 is a system for relaying the financial transaction when a direct financial transaction cannot be made between the management system 20 and the financial business system 40.

Meanwhile, as shown in the drawing, the ATM 10 has an interface 11 for connecting to the management system 20 through a network, an input unit 13 for receiving various information from a user, and various financial services. A storage unit 14 for storing a program for transaction or donation payment, an output unit 15 for outputting various kinds of information, and a control unit 12 for controlling the interface and the units 13, 14, 15. It is configured to include.

At this time, as described above, the automatic teller machine 10 performs a donation payment function as well as a general financial transaction function.

That is, when the financial service request is input from the user through the input unit 12, the control unit 12 of the ATM automatically runs the donation payment program before or after processing the financial service to determine whether the donation is paid. Ask the user.

At this time, if the user rejects the query, the control unit 12 transmits only the requested financial service information to the management system 20. If the user accepts the query, the control unit 12 receives the donation amount and then manages the information. To 20.

The management system 20 receiving the financial service information or the donation payment information sends the corresponding information to the financial service system 40 so that the financial service or the donation payment service is performed. That is, the financial business system 50 transfers the donation amount from the user's account to the donation group's account.

Hereinafter, various embodiments of a donation payment method using a cash dispenser according to the present invention will be described in detail with reference to FIGS. 2 to 4.

Figure 2 is a flow diagram of an embodiment of a donation payment method using an ATM according to the present invention.

First, the storage unit 14 of the automatic teller machine stores a program for a general financial service and a donation payment program, and the programs should be set to be driven by the controller 12 (202). In this case, the financial business program and the donation payment program may be input from the input unit 13 and stored in the storage unit 14, and the control unit 12 may be stored from the management system 20 through the interface 11. It may be received and stored.

On the other hand, the user receives the authentication of the use of the cash dispenser 10 by injecting a card or bankbook into the input unit 13 of the cash dispenser 10 provided with the above program. That is, when a user inputs a card or bankbook to the input unit 13, the control unit 12 transmits the card or bankbook information to the management system 20 to perform an authentication request and then authenticates according to the result. The result is output through the output unit 15. In this case, the method and time of user authentication as described above may be variously set.

When the user is authenticated, the user applies for various financial services such as bank transfer, cash withdrawal, credit card transaction, and deposit through the input unit 13, and the control unit 12 processes the requested financial business. (204).

On the other hand, after processing the financial business or after processing the financial business, the control unit 12 outputs a message to the output unit 15 asking whether or not to pay contributions (206).

At this time, a message indicating at least one of a list of organizations that will pay donations, a donation amount so far, the purpose of donation, and a donation payment method may be output together, and a menu for viewing the information may be provided. You can also output Thus, the user can read the message or click the menu to view the information.

The user who does not want to pay the donation cancels or passes the message or menu, and the user who wants to pay the donation selects the donation payment menu.

That is, when the user wants to pay the donation, the controller 12 may output a menu on how to pay the donation, and the user selects a desired menu from the payment methods (252). That is, the control unit 12 may pay contributions such as payment through a transfer from a user's own bank account, payment using a cash service of a credit card, payment through cash payment to the cash dispenser 10, and the like. The menu for is output through the output unit 15, and the user selects a desired menu from the menus.

Next, the control unit 12 outputs a message for selecting the amount of donation to be paid to the output unit 15, and the user selects a desired donation amount (254). In this case, when the amount of payment of the donation is limited to a certain limit, for example, 1,000 won or 5,000 won, information about the limit may be output. Meanwhile, the process 254 may be performed before the donation payment method menu output process 252 or may be performed thereafter.

The user selects an amount to donate and then presses a confirmation button to request payment of the donation. In this case, the control unit 12 receives the account number or information of the group to receive the donation, the amount to be donated by the user, the amount to be donated By transmitting at least one of the account number (credit card or bank account number) information of the user to withdraw to the management system 20, the request to pay the donation (256).

The management system 20 having received the donation payment request transmits the bank account number of the group to receive the donation and the donation amount to be transferred to the financial business system 40 managing the account of the user who will pay the donation. By sending information about the request, payment of the donation is requested (258).

The financial business system 40 that has received the information transfers the donation according to the information (260).

Meanwhile, the management system 20 receives the donation transfer result from the financial business system 40 and transmits the result to the cash dispenser 10, and the control unit of the ATM dispenser 10 receives the transfer result. 12 outputs the result of the transfer through the output unit 15 (262).

Figure 3 is another embodiment of a donation payment method using a cash dispenser according to the present invention. Meanwhile, in the following description, portions overlapping with the description of FIG. 2 will be omitted or simply described.

First, as mentioned in the description of FIG. 2, the storage unit 14 of the automatic teller machine stores a program for a general financial service and a donation payment program, and the programs are driven by the controller 12. Should be set to be (302).

On the other hand, when the user requests the use of the cash dispenser 10 by injecting a card or bankbook, the control unit 12 outputs a menu of work contents to be processed through the output unit 15 (304). . In other words, the main menu of the cash dispenser 10 outputs a financial service menu and a menu for applying for donation payment.

In this case, the user may apply for various financial services such as bank transfer, cash withdrawal, credit card transaction, and deposit through the input unit 13, and the control unit 12 processes the requested financial business (306).

In addition, the user may select a donation payment task, in which the control unit 12 outputs a menu for paying the donation, and the user may select a desired donation payment method (352). In this case, as described above, a message indicating at least one of a list of organizations to which donations are to be paid, a donation amount so far, the purpose of donation, and a donation payment method may be output together, and the information may be viewed. You can also print a menu. Thus, the user can read the message or click the menu to view the information.

The following processes 352 to 362 are the same as the processes 252 to 262 mentioned in the description of FIG. 2, and a detailed description thereof will be omitted.

Figure 4 is a flow chart of another embodiment of the donation payment method using a cash dispenser according to the present invention. Meanwhile, in the following description, portions overlapping with the description of FIG. 2 will be omitted or simply described.

First, as mentioned in the description of FIG. 2, the storage unit 14 of the automatic teller machine stores a program for a general financial service and a donation payment program, and the programs are driven by the controller 12. Should be set to be (402).

On the other hand, when the user requests the use of the cash dispenser 10 by injecting a card or bankbook, the control unit 12 asks whether or not to apply for payment of the donation through the output unit 15. Output 404. That is, the description of FIG. 3 outputs a menu for selecting whether the business content to be processed, that is, whether it is a general financial business or a donation payment business (304). In FIG. 404). In addition, in the process of FIG. 2, it is made to inquire whether the donation is paid after performing the general financial business (206). In the process of FIG. 4, the question of whether to pay the donation is made first (404). There is this.

In this case, when the user does not want to pay the donation, the user ends only after performing general financial work (406). When the user wants to pay the donation, the controller 12 outputs a menu for paying the donation. The user can then select the desired method of payment of the donation.

That is, the following processes 452 to 462 are the same as the processes 252 to 262 mentioned in the description of FIG. 2, and a detailed description thereof will be omitted.

In this case, when the donation payment process is completed according to the above process, the controller 12 may output the menus for the general financial business so that the user may process the general financial business (406).

That is, as mentioned in the description of FIG. 2 to FIG. 4, the user can transfer the donation as much as he / she wants to the charity or donation organization that he / she wants by using the cash dispenser 10 which is generally used. It becomes possible.

The present invention is not limited to the embodiments described above, and various modifications and changes can be made by those skilled in the art, which are included in the spirit and scope of the present invention as defined in the appended claims.

The present invention as described above provides a way for users to easily donate a small amount without the hassle of daily life, thereby providing an opportunity to make the donation routine, as well as provide more donations to charity It has an excellent effect.

In addition, the present invention has an excellent effect that the cash dispenser management system or financial service system can generate more profits through the income of commissions according to the donation payment service.

In addition, the present invention has an excellent effect that the various organizations that need the donation can ensure a continuous source of donation income, while creating an opportunity to promote a wide range of donations to the general public.

Claims (4)

In the method of paying donations using a cash dispenser applied to a cash dispenser system, A first step of processing a financial task required by the user; A second step of outputting a message inquiring whether to pay a donation to an output unit (15) during processing of the financial business or after processing the financial business; A third step of receiving a donation payment method and an amount of donation when a request for donation payment is input from a user; When the donation payment method and the donation amount are input from the user, the donation payment method and the donation amount are transmitted to the automatic teller machine management system 20 so that the financial business system 40 can process the donation payment. 4 steps; And And a fifth step of receiving the donation payment processing result from the cash dispenser management system 20 and outputting the result through the output unit. The message output in the second step includes at least one of a list of organizations to be paid, a donation amount so far, the purpose of donation, a donation method, a donation amount, The payment method of the donation of the third step, at least one of payment through a transfer from the user's own bank account, payment using the cash service of the credit card, payment through the cash deposit to the ATM (10). Donation payment method using a cash dispenser, characterized in that the. In the method of paying donations using a cash dispenser applied to a cash dispenser system, A first step of outputting a menu related to a general financial business and a donation payment business menu when there is a request for using the ATM; A second step of performing a corresponding financial affair when a menu related to a general financial affair is selected from a user, and receiving a donation payment method and a donation amount when a donation payment task menu is selected; When the donation payment method and the donation amount are input from the user, the donation payment method and the donation amount are transmitted to the automatic teller machine management system 20 so that the financial business system 40 can process the donation payment. Three steps; And And a fourth step of receiving the donation payment processing result from the cash dispenser management system 20 and outputting the result through the output unit. The donation payment task menu of the second step includes at least one of a list of organizations to be paid, a donation amount so far, the purpose of donation, a donation method, and a donation amount. The donation payment method of the second step, at least one of the payment through the transfer from the user's own bank account, payment using the cash service of the credit card, payment through the cash deposit to the ATM (10). Donation payment method using a cash dispenser, characterized in that the. In the method of paying donations using a cash dispenser applied to a cash dispenser system, A first step of outputting a message inquiring whether to pay a donation when there is a request for using the ATM; A second step of processing a requested financial business after outputting a financial business processing menu when a request for rejection of donation payment is input from a user; A third step of receiving a donation payment method and an amount of donation when a request for donation payment is input from a user; When the donation payment method and the donation amount are input from the user, the donation payment method and the donation amount are transmitted to the automatic teller machine management system 20 so that the financial business system 40 can process the donation payment. 4 steps; And And a fifth step of receiving the donation payment processing result from the cash dispenser management system 20 and outputting the result through the output unit. The message output in the first step may include at least one of a list of organizations to be paid, a donation amount so far, the purpose of donation, a donation method, and a donation amount. The payment method of the donation of the third step, at least one of payment through a transfer from the user's own bank account, payment using the cash service of the credit card, payment through the cash deposit to the ATM (10). Donation payment method using a cash dispenser, characterized in that the. The method according to any one of claims 1 to 3, The menu or messages related to the donation payment and the program for managing the menus or messages are input through the input unit 13 of the ATM and stored in the storage unit 14 or from the network through the interface 11. Donation payment method using a cash dispenser, characterized in that downloaded and stored in the storage unit.