KR20060090875A - Method and system for creating a bank account using atm - Google Patents

Abstract

The present invention relates to a financial automation device, and more particularly, a financial automation device for receiving personal information from a user, transmitting the personal information to a financial server, creating an account, and providing the user with account information for the account. It relates to a method of operation of the financial automation device. According to an aspect of the present invention, there is provided a financial automation device including a communication interface for communicating with a predetermined financial server, a user interface for providing a selection menu for creating an account, and receiving a selection command for the selection menu from the user; A user authentication unit for receiving the personal information from the user and confirming the user's identity on the basis of the personal information, and transmitting the personal information to the financial server when the user's identity is confirmed, and creating an account. An account generation processing unit for transmitting account generation request information for requesting an account, and an account information output unit for receiving account generation completion information corresponding to the account generation request information from the financial server and outputting account information for the generated account; It is characterized by including. As a result, even at the end of the bank's business time, an account and a bank account can be generated using a financial automation device, and a cash card can be issued to perform a more convenient financial task.

 ATMs, ATMs, Bankbook, Accounts

Description

Account creation method and system using financial automation equipment {METHOD AND SYSTEM FOR CREATING A BANK ACCOUNT USING ATM}

1 is a diagram illustrating a network for creating an account based on personal information received from a user by a financial automation device according to the present invention.

2 is a diagram illustrating an internal configuration of a financial automation device according to the present invention.

3 is a diagram illustrating an account establishment confirmation printed with account information through a financial automation device according to an embodiment of the present invention.

4 is a flowchart illustrating a method of creating an account through a financial automation device according to the present invention.

5 is an internal block diagram of a general purpose computer device that may be employed to perform a method for creating an account through a financial automation device in accordance with the present invention.

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

200: financial automation equipment

201: communication interface unit

202: user interface unit

203: user authentication unit

204: account generation processing unit

205: account information output unit

206: cash card issuer

The present invention relates to a financial automation device, and more particularly, financial automation that receives personal information from a user, sends the personal information to a financial server, creates an account, and provides the user with account information regarding the generated account. A device and a method of operating the financial automation device.

Today, automated teller machines (ATMs) provide many of the financial tasks performed by financial institutions such as banks and village safes. The user can perform a desired financial transaction in a short time by simply operating a financial automation device installed in the bank, without going through a bank clerk, for account transfer, balance inquiry, deposit withdrawal, and bankbook arrangement. As a result, the user can reduce the waiting time for receiving his turn at the bank window and waiting for his turn, and the bank can obtain the effect of reducing the manpower and cost, and the financial automation equipment is gradually expanding its use range.

However, there are still some financial tasks that financial automation equipment cannot provide. For example, when a user opens a new account, receives a bankbook corresponding to an account, or receives a cash card, the user must contact a bank clerk.

Thus, the user still spends waiting time for these tasks, and also requires additional manpower and costs as a bank. In particular, when the banking hours are terminated or when it is necessary to urgently perform the work, the user's inconvenience will be further increased.

Accordingly, there is a need to increase the utilization of financial automation devices in issuing bank accounts, opening accounts, and issuing cash cards.

The present invention has been made to improve the prior art as described above, the financial automated device according to the present invention, the account and bank account that can only be performed through the account of the bank, and create a bank account, such as a cash card issued By performing the above, it is aimed at realizing unmanned financial services, thereby providing users with faster and more convenient processing of financial services, and reducing the labor and cost of financial institutions.

Another object of the present invention is to facilitate the user by allowing the user to arbitrarily specify the output form of the account information when the user opens the account.

Still another object of the present invention is to provide a financial automation device for a customer-specific service based on financial information of a user in opening an account or the like.

In order to achieve the above object and to solve the above-mentioned problems of the prior art, the financial automation device according to an embodiment of the present invention includes a communication interface for communicating with a predetermined financial server, a selection menu for creating an account. A user interface provided to a user and receiving a selection command for the selection menu from the user, a user authentication unit receiving personal information from the user, and verifying the identity of the user based on the personal information; An account generation processor that transmits the personal information to the financial server when the user's identity is confirmed, and transmits account generation request information for requesting generation of an account; and an account corresponding to the account generation request information from the financial server. A system for receiving generation completion information and outputting account information for the generated account. It characterized in that it comprises an information output.

In addition, the method for creating an account with a financial automation device may include maintaining a communication interface for communicating with a predetermined financial server, providing a user with a selection menu for creating an account, and requesting a selection command for the selection menu from the user. Receiving input, receiving personal information from the user, and confirming the identity of the user based on the personal information, and transmitting the personal information to the financial server when the identity of the user is confirmed, Transmitting account generation request information for requesting the generation of the account, and receiving account generation completion information corresponding to the account generation request information from the financial server, and outputting account information for the generated account; It is characterized by.

The term "financial automated machine" used in the present invention, as well as ATM (Automated Teller Machine), as well as a concept that includes all of a series of unmanned automated devices that can perform financial transactions, such as KIOSK, giro storage, not only cash Rather, it is widely interpreted as a device that enables financial transactions through checks, bank accounts, and cash cards.

Hereinafter, with reference to the accompanying drawings will be described in detail with respect to the automated financial device and account creation method according to the present invention.

1 is a diagram illustrating a network configuration for creating an account based on personal information input from a user by a financial automation device according to the present invention.

As shown in Figure 1, the financial automation device 100 according to an embodiment of the present invention receives the personal information 110 for the purpose of account creation from the user. The identification information 110 is information that can be uniquely identified by the identification card 111, the fingerprint data 112, and the face image information 113. The identification card 111 may include a resident registration card, a driver's license, a student ID card, a passport, and the like. Means can be used. The financial automation device 100 receiving the personal information 110 performs authentication of the user based on the personal information 110. When the user is authenticated, the financial automation device 100 transmits account creation request information to the financial server 120 through a predetermined network.

The financial server 120 is a financial institution server commonly connected to financial institution branches such as banks and village vaults. For example, the financial server 120 may mean a server such as an ATM comprehensive management system (ATMS).

The financial server 120 analyzes the personal information 110 to determine whether to create an account. To this end, the financial information according to the present invention may include a database for storing predetermined financial information for each user's personal information, or may include means for accessing the database. For example, based on the financial information stored in the database, the financial server 120 may disable the account creation if the user who requests the account creation determines that normal financial transactions such as a credit defector are impossible.

In the case of allowing the account generation, the financial server 120 transmits the account information for the generated account to the financial automation device 100. Accordingly, the financial automation device 100 outputs the account information to a bank account, a thermal paper, or a display means of the financial automation device 100 according to a user's selection command.

In addition, the financial automation device 100 may issue a cash card associated with the account, if desired by the user. In order to issue the cash card, the financial automation device may further include a predetermined cash card issuing module.

In addition, the financial automation device 100 according to an embodiment of the present invention receives the personal information 110 and performs user authentication, and transmits the personal information to the financial server 120. Accordingly, the financial server 120 transmits a list of deposit information suitable for the user to the financial automation device 100, and the financial automation device 100 receives the input of the deposit information desired by the user from the list. Can be. For example, when the financial server 120 analyzes the personal information 110, and if the user is exempt from taxation, the financial server 120 provides the user with an appropriate deposit information menu, whereby the user selects the appropriate deposit information. To create an account.

2 is a diagram illustrating an internal configuration of a financial automation device according to the present invention. Hereinafter, the operation of the financial automation device according to the present invention will be described in detail with reference to FIG. 2.

As shown in FIG. 2, the financial automation device 200 according to the present invention includes a communication interface 201, a user interface 202, a user authentication unit 203, an account generation processor 204, and an account information output unit. 205, and a cash card issuing unit 206.

The financial automation device 200 includes a communication interface unit 201 that provides a communication interface for communicating with a financial server. The communication interface 201 allows the financial automation device 200 according to the present invention to be connected to a predetermined communication network so as to communicate with the financial server to transmit and receive various data. As an example of the communication network, at least one of RS-232C, TCP / IP, X25, LAN, infrared communication, RS-485, ADSL, Ethernet, ATM, Firewall & VPN, and Loadbalancer & CDN.

The user interface unit 202 provides a user with a selection menu for creating an account and receives a selection command for the selection menu from the user.

The conventional financial automation device 200 provides a selection menu such as deposit withdrawal, balance inquiry and bank transfer, and the user selects a selection menu of deposit withdrawal, balance inquiry, and account transfer to perform a financial task. The financial automation device 200 according to the present invention further provides a menu of selecting 'account creation' and 'deposit information' in addition to the financial business. When the user wants to create an account with the financial automation device 200, selects a selection menu of 'create account' and selects 'deposit information' associated with the account. Through the input of the deposit information, the user may specifically specify the type of account (for example, ordinary deposit, saving deposit, non-taxable saving, etc.).

According to an embodiment of the present invention, the financial server may query financial performance performed by the user as financial information associated with the user and provide a plurality of deposit information selectable by the user based on the financial information. As a specific example, the current tax-exempt savings limit of the user is inquired, and the new non-taxable savings account and the saving limit are provided to the user in consideration of the above limit, so that the user can more easily select an account suitable for the user. As another embodiment, the savings product suitable for the investment tendency of the user may be selected and provided as deposit information to the user in consideration of the financial transaction performance of the user. As described above, according to the present invention, in consideration of the financial information of the user to provide a "customer-specific service" for each user.

According to the present invention, the user can select the output form of the account information. That is, the user may determine the output form of the account information on the generated account by selecting menus of 'bankbook output', 'cash card issuance', and 'account opening confirmation letter'. Accordingly, the user may receive a bankbook, cash card, or account creation confirmation for the account created by the user from the financial automation device 200.

The user authentication unit 203 receives the personal information from the user, and confirms the identity of the user based on the personal information.

The user authentication unit 203 according to an embodiment of the present invention may include a fingerprint recognition unit and an identification card recognition unit.

First, the fingerprint recognition unit is a module for extracting fingerprint data of a user, and may include one or more light source means, an imaging unit, and a fingerprint data extraction unit. When the user places a finger on the fingerprint recognition unit, the light source means irradiates one or more light sources with a finger. The light source reflected from the finger is transmitted to the imaging unit and stored in a predetermined storage space as image information. In addition, the fingerprint data extractor analyzes the image information and extracts a fingerprint pattern. The fingerprint data extracting unit converts the fingerprint pattern into fingerprint data through predetermined signal processing and generates final authentication information.

As a result, the user authentication unit may determine whether the fingerprint pattern information corresponds to the personal information and confirm the identity of the user. Therefore, the fingerprint data may be used as an authentication means for confirming the identity of the user in the financial automation device according to the present invention.

The identification card recognition unit scans the identification card of the user and receives identification information included in the identification card as the identification information.

In general, the ID card includes personal information such as a user's fingerprint, social security number, address, and photograph. According to an embodiment of the present invention, the user inputs the resident registration card as the identification card to the identification card recognition unit. The identification card scan unit scans the resident registration card, generates image information on the resident registration card, and acquires only the information necessary for user authentication among the generated image information.

The identification card recognition unit according to an embodiment of the present invention obtains fingerprint data as first authentication information from the image information obtained by scanning the resident registration card, and obtains fingerprint data of the user acquired through the fingerprint recognition unit as second authentication information. The user may be identified by performing pattern matching on the first authentication information and the second authentication information.

The identification card recognition unit according to another embodiment of the present invention acquires the resident registration number as the first authentication information from the image information obtained by scanning the resident registration card, and obtains the fingerprint data as the second authentication information. Accordingly, the user authentication unit 203 transmits the first authentication information and the second authentication information to the financial server connected to the financial automation device 200 according to the present invention through a predetermined communication network, and confirms whether the correspondence is established. The user's identity can be confirmed by receiving the result. The identification card recognition unit according to the present invention may check the user's identity by comparing the fingerprint data with other personal information included in the identification card in addition to the above-mentioned identification number. In addition, an identification card such as a driver's license, a student's card, a passport, or the like, may be used as a user verification means.

In addition, the user authentication unit 203 according to an embodiment of the present invention may further include a photographing unit.

The photographing unit may acquire image information by photographing a face shape of the user, scan the identification card of the user through the identification card recognition unit, and receive photo information included in the identification card as identification information to identify the user's identity. That is, the user authenticator determines the identity of the user by determining whether the image information and the photo information correspond to each other.

The user authentication unit 203 according to the present invention uses various authentication methods such as password, iris recognition, voice recognition, DNA recognition, and user's specific motion recognition, in addition to the user's identification means mentioned in the above embodiments. You can check the user.

When the identity of the user is confirmed, the account generation processor 204 transmits the personal information and the account generation request information for requesting the generation of the account to the financial server.

In general, a bank needs information such as a user's ID card and signature (seal or fingerprint data) to create an account. In other words, the bank confirms the user's identity through an identification card, and requires the user to enter personal information such as a social security number, an address, a telephone number, and a signature (painting and fingerprint data). The financial automation device 200 according to the present invention receives personal information such as a social security number, an address, a telephone number, and a signature (painting and fingerprint data) as a selection command from the user as response data for the selection menu. For example, the selection menu is provided to the user through the display means of the financial automation device, and the user inputs the response data for the selection menu by means of a touch screen, a keypad, and a voice recognition module.

The response data is processed according to the characteristics of the communication network to which the financial automation device 200 is connected as personal information of the user and transmitted to the financial server. Accordingly, the financial server generates an account by using the personal information as data for creating an account.

For example, the financial server may inquire the personal information, and may further perform a process of inquiring a specific matter such as whether the user corresponding to the personal information is a credit delinquent. After this process, the financial server generates an account associated with the personal information, and transmits the account information for the account to the financial automation device 200 according to the present invention, the financial automation device 200 is the account information Receive If the financial server does not allow the account creation, information such as an error code may be transmitted to the financial automation device as the account information.

Alternatively, as described above, the user's personal information received by the financial server is used to retrieve the user's financial information, so that the user can provide the appropriate deposit information for each user.

The account information output unit 205 receives account generation completion information corresponding to the account generation request information from the financial server, and outputs account information for the generated account.

The financial automation device 200 according to an embodiment of the present invention provides a user with a selection menu for determining an output type such as a bankbook output, a thermal paper output, a cash card issuance, and a monitor output with respect to the account information. Accordingly, the user inputs a selection command for determining an output form to the financial automation device 200 through the user interface 202 and outputs account information. The account information includes at least one or more pieces of personal information such as an issuing bank, a name, and the like associated with an account, an account number, and deposit information specifying a type of deposit.

In order to perform a bankbook output, the account information output unit 205 includes a bankbook printer module for outputting a bankbook as the account information, the bankbook printer module including an issuing bank, personal information, account number, and At least one of the deposit information is printed on the bankbook.

Since it is necessary to selectively print the signature data of the user in the account book, the account information output unit 205 may include a signature input unit. The signature input unit signs a predetermined pad by the user and generates it as image information. The image information generated in this way is printed on the bankbook through the bankbook printer module. As an example of the signature input unit, means for inputting a signature using a touch pad and an optical pen can be used.

In addition, the financial automation device according to the present invention may include a printer module that can output the account creation information for the opened account, in case the user only wants to open an account without issuing the account. As an example, the account information output unit 205 includes a thermal paper output printer module for outputting account information to the thermal paper, wherein the thermal paper output printer module is selected from among the issuing bank, personal information, account number, and deposit information associated with the account. At least one or more pieces of information are printed on the thermal paper. The user inputs the thermal paper output as a selection command from the selection menu. Accordingly, in the case of the account information output unit 205, the user outputs the account information to the predetermined thermal paper. In the present embodiment, the thermal paper printer module has been described as an example, but it is obvious that not only the thermal paper but also a general printer module and a general paper may be used in the financial automation device according to the present invention.

3 is a view showing an example of an account opening confirmation printed account information through a financial automation device according to an embodiment of the present invention.

Account information printed on the account establishment confirmation 300 according to an embodiment of the present invention includes the issuing bank area 301, account number area 302, personal information area 303, deposit information area 304 Can be configured.

First, the issuing bank area 301 displays the information of the issuing bank associated with the generated account, and the account number area 302 displays an account number uniquely identified and identified for each account in the issuing bank. In addition, the personal information area 303 displays information about the user, and may include the user's signature data, name, social security number, telephone number, address, and the like. The deposit information area 304 may include a deposit type, balance, recent transaction history, and the like, associated with the currently created account.

In addition, the account opening confirmation letter 300 may further include other areas, and predetermined advertisements, unique identification information of the financial automation device that created the account, and the like may be printed in the other areas.

The account information printed on the account establishment confirmation 300 may be configured similarly to the account information displayed on the output means such as a bankbook, a display means of a financial automation device.

Next, the financial automation device 200 may issue a cash card in one of output forms of account information.

In general, a cash card prior to issuance maintains a uniquely identifiable cash card number, along with a magnetic means for storing the cash card number. The financial automation device 200 according to the present invention includes a cash card issuing unit 206, and the cash card issuing unit 206 transmits the cash card number of the cash card to be issued to the financial server together with the account information. The financial server associates and stores the account information with the cash card number in a database. In addition, the IC card can be used for the cash card in addition to the cash card using the above-described magnetic.

As another example, the cash card issuing unit 206 may receive a cash card number from a financial server, print the received cash card number on a cash card, and store the cash card number in a magnetic means or IC chip of the cash card.

The account information output unit 205 according to another embodiment of the present invention may display the account information on the display means of the financial automation device. The display means is a monitor that is generally installed in a financial automation device, the financial automation device 200 displays at least one or more information from among the issuing bank, personal information, account number, and deposit information associated with the account on the screen of the monitor can do.

4 is a flowchart illustrating a method of creating an account through a financial automation device according to the present invention.

The financial automation device maintains a communication interface for performing communication with a predetermined financial server (step 401). Next, in step 402, the financial automation device provides a predetermined selection menu to the user. The selection menu further includes an account creation menu in addition to general selection menus such as deposit withdrawal, balance inquiry, account transfer, and bankbook arrangement provided from a financial automation device. The user may select the account creation menu to perform account creation.

Next, in step 403, the financial automation device receives the personal information from the user as a selection command for the selection menu.

The user scans identification cards such as a resident registration card, a driver's license, a student's card, and a passport and inputs personal information into a financial automation device. Also, as another example, the personal information is input to the financial automation device by means of a touch screen, a keypad, and a voice recognition module. The personal information according to the present invention is information such as fingerprint, face image information, social security number, and address of a user who wants to create an account, and may further include signature, seal information, and the like. In addition, the personal information may include all the user information required to create an account in a financial institution, including a bank in general.

Next, in step 404, an authentication process for confirming the identity of the user is performed based on the personal information.

The financial automation device verifies the identity of the user using fingerprint data, face image information, a password, and an identification card received from the user. For example, the identity of the user may be confirmed by comparing the fingerprint data input by the user with the fingerprint data included in the ID card. Also, as another example, by photographing the face image information from the user, and whether the user of the identification card and the user who wants to create an account through the financial automation device through the pattern matching of the photo image information included in the identification card to match; You can check it. The detailed description of identifying the user's identity may be applied as it is described in the embodiments of FIG. 2, and thus the detailed description thereof will be omitted.

In addition, the user receives input of deposit information (deposit type, etc.) of the account to be created.

In step 405, when the identity of the user is confirmed, the personal information and the deposit information selected by the user are transmitted to the financial server as account creation request information.

A financial automation device according to an embodiment of the present invention transmits the personal information to a financial server, and the financial server transmits the information of predetermined deposit information to the financial automated device based on the personal information to allow the user to own the personal information. You can choose the deposit information that best suits your needs. For example, when the user is a non-taxable object, the financial server may transmit the deposit information suitable for the non-taxable object to the financial automation device, and the financial automation device may provide the deposit information to the display means as a selection menu. Accordingly, the financial automation device transmits account creation request information about the deposit information selected by the user to the financial server. The account request information may further include personal information of the user required to create an account.

In step 406, the financial server checks the identification information and determines whether it is possible to create an account for the identification information. For example, when a user corresponding to the identification information is a bad customer of a bank who wants to create an account, it may be prohibited to generate an account corresponding to the identification information.

If it is possible to generate an account for the identification information as a result of the determination of step 406, the financial server generates an account in step 407, and confirms account generation including account information of the generated account in step 408. The information is generated and transmitted to the financial automation device.

In general, the creation of the account may be performed through the same process as that of performing an account at a bank, thereby saving time and costs associated with creating an account.

If it is impossible to create an account for the identification information as a result of the determination, the predetermined error information is transmitted to the financial automation device, and the financial automation device notifies the user by outputting the error information to the display means or the speaker means.

In step 409, the financial automation device receives the account creation confirmation information from the financial server, and receives the output form of the account information from the user. In step 410, the financial automation device outputs the input form from the user. According to the output account information.

The account creation confirmation information is a confirmation message that the creation of the account is completed, and may further include the account information. As the confirmation information indicating that the account generation is completed from the financial server, the financial automation device that receives the account creation confirmation information provides the user with a selection menu for the output form of the account information in order to provide the account information to the user. The account information may be output to means such as a bankbook, thermal paper, cash card, and monitor. Accordingly, the user can use the account created by the user to perform financial tasks such as deposit inquiry, bank transfer, and deposit withdrawal.

The account generation method through the financial automation device according to the present invention may be implemented in the form of program instructions that can be executed through various computer means and recorded in a computer readable medium. The computer readable medium may include program instructions, data files, data structures, etc. alone or in combination. Program instructions recorded on the media may be those specially designed and constructed for the purposes of the present invention, or they may be of the kind well-known and available to those having skill in the computer software arts. Examples of computer-readable recording media include magnetic media such as hard disks, floppy disks, and magnetic tape, optical media such as CD-ROMs, DVDs, and magnetic disks, such as floppy disks. Magneto-optical media, and hardware devices specifically configured to store and execute program instructions, such as ROM, RAM, flash memory, and the like. The medium may be a transmission medium such as an optical or metal wire, a waveguide, or the like including a carrier wave for transmitting a signal specifying a program command, a data structure, or the like. Examples of program instructions include not only machine code generated by a compiler, but also high-level language code that can be executed by a computer using an interpreter or the like. The hardware device described above may be configured to operate as one or more software modules to perform the operations of the present invention, and vice versa.

5 is an internal block diagram of a general purpose computer device that may be employed to perform a method for creating an account through a financial automation device in accordance with the present invention.

Computer device 500 includes one or more processors 510 connected to a main memory device including random access memory (RAM) 520 and read only memory (ROM) 530. The processor 510 is also called a central processing unit (CPU). As is well known in the art, the ROM 530 serves to transfer data and instructions to the CPU unidirectionally, and the RAM 520 typically transfers data and instructions bidirectionally. Used to. RAM 520 and ROM 530 may include any suitable form of computer readable media. Mass storage 540 is bidirectionally coupled to processor 510 to provide additional data storage capability and may be any of the computer readable recording media described above. The mass storage device 540 is used to store programs, data, and the like, and is a secondary memory device such as a hard disk which is generally slower than the main memory device. Certain mass storage devices such as CD ROM 560 may be used. The processor 510 may include one or more input / output interfaces, such as video monitors, trackballs, mice, keyboards, microphones, touchscreen displays, card readers, magnetic or paper tape readers, voice or handwriting readers, joysticks, or other known computer input / output devices. 550 is connected. Finally, the processor 510 may be connected to a wired or wireless communication network through the network interface 570. Through this network connection, the procedure of the method described above can be performed. The apparatus and tools described above are well known to those skilled in the computer hardware and software arts.

The hardware device described above may be configured to operate as one or more software modules to perform the operations of the present invention.

Although specific embodiments of the present invention have been described so far, various modifications are possible without departing from the scope of the present invention.

Therefore, the scope of the present invention should not be limited to the described embodiments, but should be defined not only by the claims below, but also by the equivalents of the claims.

According to the present invention, the financial automation device performs financial operations such as account opening, bank account issuance, and cash card issuance, which can only be performed through a bank clerk, thereby realizing the unmanned financial business and thereby making the financial business faster and more convenient. Can reduce the costs of financial work.

According to the present invention, the user can arbitrarily select an output form of account information when opening an account, so that the user's convenience can be achieved.

According to the present invention, the financial automation device may provide a user with a personalized service according to the financial transaction performance of the user, thereby providing the user with an opportunity to receive differentiated benefits during the financial transaction.

Claims (13)

In financial automation equipment, A communication interface unit communicating with a predetermined financial server; A user interface unit which provides a user with a selection menu for creating an account and receives a selection command for the selection menu from the user; A user authentication unit receiving personal information from the user and confirming the identity of the user based on the personal information; An account generation processor configured to transmit the personal information to the financial server when the identity of the user is confirmed, and to transmit account generation request information for requesting generation of an account; And An account information output unit for receiving account generation completion information corresponding to the account generation request information from the financial server and outputting account information for the generated account; Financial automation device comprising a. The method of claim 1, And the selection menu includes a plurality of deposit information. The method of claim 2, The financial server searching for financial information associated with the user based on the personal information and providing the deposit information based on the retrieved financial information; Financial automation device characterized in that. The method of claim 1, The user authentication unit A fingerprint recognition unit which receives fingerprint data from the user and extracts fingerprint pattern information; And An identification card recognition unit for scanning the identification card of the user and receiving identification information included in the identification card as the identification information. Including, Wherein the user authentication unit determines whether the fingerprint pattern information corresponds to the personal information and confirms the identity of the user. Financial automation device characterized in that. The method of claim 1, The user authentication unit A photographing unit which photographs the face image of the user to obtain image information; And An identification card recognition unit for scanning the identification card of the user and receiving the photo information included in the identification card as the identification information. Including, Wherein the user authentication unit determines whether the image information corresponds to the photo information, and confirms the identity of the user. Financial automation device characterized in that. The method of claim 1, The account information output unit includes a bankbook printer module for outputting a bankbook, The bankbook printer module printing at least one or more information among the issuing bank, personal information, account number, and deposit information associated with the account as the account information to the bankbook; Financial automation device characterized in that. The method of claim 6, The account information output unit Signature input unit for receiving signature data from the user More, The bankbook printer module outputting the signature data to the bankbook Financial automation device characterized in that. The financial automation device of claim 7, wherein the signature input unit comprises a touch pad and an optical pen. The method of claim 1, The account information output unit includes a thermal paper output printer module for outputting the account information on the thermal paper, The thermal paper output printer module is configured to print at least one or more information among issuing banks, personal information, account numbers, and deposit information associated with the account on the thermal paper; Financial automation device characterized in that. The method of claim 1, Further comprising a cash card issuing unit for issuing a cash card for the account, The cash card issuing unit prints the unique identification information associated with the account on the cash card; Financial automation device characterized in that. The method of claim 1, The account information output section includes display means, The display means for outputting the account information on the screen; Financial automation device characterized in that. In the method of creating an account with a financial automation device, Maintaining a communication interface for communicating with a predetermined financial server; Providing a user with a selection menu for creating an account, and receiving a selection command for the selection menu from the user; Receiving identification information from the user and confirming the identification of the user based on the identification information; If the user's identity is confirmed, transmitting the personal information to the financial server, and transmitting account creation request information requesting creation of an account; And Receiving account creation completion information corresponding to the account creation request information from the financial server and outputting account information for the generated account; Account generation method using a financial automation device comprising a. A computer-readable recording medium having recorded thereon a program for executing the method of claim 12.

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