KR20060094799A - Devices for processing currency and recording medium - Google Patents

Abstract

The present invention relates to a call processing apparatus that processes the deposit and / or withdrawal of a plurality of different currencies.

The call processing apparatus transmits card (or account) information received from the customer to a server on the network when the money exchange amount of the money exchange customer who has already performed money exchange application and money exchange processing through a wired or wireless communication network. Check the details of the exchange request, withdraw money exchange amount corresponding to the confirmed exchange request details, and / or in conjunction with a server on the network, request a currency exchange process and receive the result of the exchange process, Withdraw the currency amount corresponding to the currency type and amount withdrawn in response to the currency exchange result, and / or in response to the card (or account) and withdrawal (or deposit) information input to the currency processing device, Withdrawal request to server corresponding to card (or account), receiving withdrawal request response message from the server, And to withdraw the currency in which the meet.

Accordingly, after the exchange process through the Internet banking, it is possible to simply receive the exchange amount, it is easy to deposit and withdraw money for two or more different currencies. In addition, since it is linked with Internet banking, it is possible to increase the number of Internet banking users, and it is possible to generate additional revenue such as providing various services and fees.

Currency, device

Description

Device for Processing Currency and Recording Medium

1 is a view showing a schematic configuration of a preferred call processing apparatus according to the present invention.

2 is an operation flowchart of a call processing apparatus according to a preferred embodiment of the present invention.

3 is an operation flowchart of a call processing apparatus according to another preferred embodiment of the present invention.

4 is a diagram showing a schematic configuration of a call processing apparatus according to another preferred embodiment of the present invention.

Fig. 5 is a flowchart illustrating the operation of (call processing) of a call processing device according to another preferred embodiment of the present invention.

6 is a flowchart of the operation of (withdrawal processing) of the call processing apparatus according to another preferred embodiment of the present invention.

<Description of main parts of drawing>

100: call processing apparatus 105: control unit

110: call processing unit 115: memory

120: currency deposit and withdrawal unit 125: currency deposit and withdrawal means

130: call storage unit 135: call storage means

140: information output unit 145: information output means

150: information input unit 155: information input means

160: card (account) reader unit 165: reading means

170: network communication unit 175: network server

The present invention relates to a call processing apparatus that processes the deposit and / or withdrawal of a plurality of different currencies.

ATM (Automated Teller Machine) is one of the closest customer channels to perform the basic financial transactions presented by automating existing window services based on the cash demands of financial transactions customers. Its importance is highlighted by differentiation.

However, while the provision of more diverse services using ATMs is increasing, it is not possible to use heterogeneous currencies (eg, withdrawal and / or deposit), so that customers using currency exchange services find ATMs that can use these currencies. Or the inconvenience of using a bank or the like.

An object of the present invention is derived to solve the above problems, to store and separate the won and / or at least one foreign currency to freely deposit and / or withdraw the corresponding currency corresponding to the exchange processing history of the customer The present invention provides a call processing apparatus capable of depositing and / or withdrawing a plurality of different currencies.

In addition, another object of the present invention is to provide a recording medium on which a computer-readable program is recorded for realizing the functions of at least one functional component provided in the call processing apparatus.

The call processing apparatus according to the present invention for achieving the above object is a network of the card (or account) information received from the customer when the withdrawal amount of the exchange customer who has already performed the exchange application and exchange processing through a wired or wireless communication network Transfer the money exchange amount corresponding to the confirmed money exchange request history, and / or in connection with a server on the network, request a money exchange process and receive the money exchange result. Receive and withdraw a currency amount corresponding to the currency type and amount withdrawn in response to the currency exchange result among a plurality of different currencies, and / or in response to a card (or account) and withdrawal information input to a currency processing device; Withdrawal request to the server corresponding to the input card (or account), and receives the withdrawal request result from the server , Characterized in that to withdraw the call to be consistent with the dispensing destination call type.

According to an aspect of the present invention, a call processing device includes: a call storage unit for separating and storing at least two or more heterogeneous currencies, a call deposit and withdrawal unit for withdrawing at least two or more heterogeneous currencies in conjunction with the call storage unit, and the currency exchange processing; Send information input through the information input unit (or keypad) and the information input unit (or keypad) to receive a predetermined information corresponding to the to the server on the network to check the currency type and amount of money to be withdrawn, and And a currency processing unit for controlling a currency deposit and withdrawal unit to withdraw a currency amount corresponding to the identified withdrawal target currency type and amount information among the two or more heterogeneous currencies from the currency storage unit, and depositing at least two or more heterogeneous currencies; And / or withdraw money, and apply for currency exchange via wired or wireless communication network. It is characterized in that the money exchange amount corresponding to the money exchange process is withdrawn to the money exchange customer who has performed the money exchange process.

Further, according to the present invention, the call processing apparatus further comprises a card (account) reader unit for receiving predetermined card (or account) information, wherein the call processing unit, the card (account) reader unit It is characterized in that the card (or account) information entered through the further transmission to the server.

Here, the card (or account) input through the card (account) reader unit of the call processing device preferably includes at least one MS card, an IC card, and a financial IC chip mounted or detached from a wireless terminal. Do.

Further, according to the present invention, the card (account) reader unit of the call processing device includes at least MS card reading means, IC card reading means, contact and / or non-contact reading means, and short range communication means with a wireless terminal. By including one or more, it is possible to receive card (or account) information from the corresponding card (or account).

In addition, according to the present invention, the call processing device may be configured to further include an information output unit for displaying predetermined financial transaction menu information, currency exchange application history information and / or processing history information on the screen.

Preferably, the predetermined information output through the information output unit of the currency processing apparatus corresponds to exchange rate information and / or exchange rate information corresponding to the exchange rate information, exchange rate information according to the exchange rate preferential treatment, and / or the exchange rate information. At least one or more currency exchange amount information, card (or account) withdrawal amount information according to a bill selling rate, currency payment amount information according to a bill purchase rate, and currency exchange deposit and / or withdrawal information corresponding to the currency exchange request. can do.

According to the present invention, the predetermined information corresponding to the exchange processing input through the information input unit (or the keypad) of the call processing device is output after the exchange processing history code (or barcode, image, etc.) information or exchange processing. Receipt number information may be included.

In addition, according to the present invention, the information input unit of the call processing device, characterized in that further receiving the password of the card (or account) and / or the customer information and / or the customer biometric information, the call processing unit May verify the validity of the card (or account) and / or the customer by confirming a password of the card (or account) input through the information input unit and / or the customer information and / or the customer biometric information. have.

In addition, the call processing apparatus according to the present invention is characterized in that it comprises at least one ATM (Automated Teller Machine), CD (Cash Dispenser), and KIOSK.

On the other hand, the call processing apparatus according to the present invention, the currency storage unit for separating and storing at least two or more heterogeneous currencies, and the call storage withdrawal and / or withdrawal of the at least two heterogeneous currencies in conjunction with the call storage unit; And a card (account) reader unit for receiving predetermined card (or account) information, an information input unit (or keypad) for receiving predetermined exchange request information, and a card input through the card (account) reader unit ( Or request a currency exchange process corresponding to the exchange request information inputted through the information input unit (or a keypad) directly or through a predetermined server to the financial server corresponding to the account, and after receiving the result of the exchange process, By controlling the currency deposit and withdrawal unit, the currency type and the amount of money withdrawn from the currency storage unit corresponding to the result of the currency exchange processing of the two or more heterogeneous currencies; And a currency processing unit for withdrawing a corresponding currency amount.

According to the present invention, the exchange request information input through the information input unit (or keypad) of the call processing device may include at least one exchange request call type information and exchange request amount information.

The information input unit may further receive a password of the card (or account) and / or the customer biometric information, and the call processing unit may include a password of the input card (or account), and / or the Customer biometric information may be verified to validate the card (or account) and / or customer's validity.

In addition, according to the present invention, the currency processing unit, when the currency exchange application for converting the local currency into a foreign currency, the card (or directly through a predetermined server or a financial server corresponding to the card (or account) And transfers foreign currency withdrawal command data according to currency exchange processing from the financial server.

In addition, the currency processing unit, when the exchange request to exchange the foreign currency to the local currency, and transmits a predetermined exchange processing request data including the card (or account) information and exchange request information to a predetermined server, the server In the foreign financial server corresponding to the card (or account) in the withdrawal request corresponding to the exchange request, and when the processing result is received, the local currency withdrawal command data according to the exchange process is received from the server do.

On the other hand, the present invention includes a computer-readable recording medium, characterized in that for recording a program for executing a function of at least one component of the call processing apparatus described above.

Hereinafter, the operation principle of the call processing device according to the present invention will be described in detail with reference to the accompanying drawings and description. However, the drawings and the following description shown below are for the preferred method among various methods for effectively explaining the features of the present invention, the present invention is not limited only to the drawings and description below. In addition, in the following description of the present invention, if it is determined that a detailed description of a related known function or configuration may unnecessarily obscure the subject matter of the present invention, the detailed description thereof will be omitted. Terms to be described later are terms defined in consideration of functions in the present invention, which may vary according to intentions or customs of users or operators. Therefore, the definition should be based on the contents throughout the present title.

In addition, preferred embodiments of the present invention to be carried out below are provided in each system functional configuration to efficiently describe the technical components constituting the present invention, or system functions that are commonly provided in the technical field to which the present invention belongs. The configuration will be omitted, and described mainly on the functional configuration to be additionally provided for the present invention.

If those skilled in the art to which the present invention pertains, it will be able to easily understand the function of the components that are conventionally used among the omitted functional configuration not shown below, and also the configuration omitted as described above The relationship between the elements and the components added for the present invention will also be clearly understood.

1 is a view showing a schematic configuration of a preferred call processing apparatus 100 according to the present invention.

Referring to Fig. 1, each functional component of the call processing apparatus 100 according to the preferred embodiment is illustrated. The illustrated call processing apparatus 100 includes a control unit 105, a memory 115, and information. It may be configured to include an output unit 140, an information input unit 150, a card (account) reader unit 160, a call deposit and withdraw unit 120, a call storage unit 130 and a network communication unit.

Preferably, the control unit 105 of the call processing apparatus 100 includes at least one or more function configuration units (for example, the information output unit 140, the information input unit 150, and the card) of the call processing apparatus 100. Account) to control the overall operation of the reader unit 160, the call deposit and withdrawal unit 120, the call storage unit 130 and the network communication unit), and the command transmission and information or data flow between the components to each component By managing, it is possible to deposit and / or withdraw money of different currencies using the call processing apparatus 100 according to the present invention.

In hardware, the control unit 105 of the call processing apparatus 100 may include at least one processor and an execution memory (eg, a register and / or a RAM) including a central processing unit (CPU) / micro processing unit (MPU). Access Memory)) and a bus for inputting and outputting predetermined data.

In addition, the control unit 105 of the call processing apparatus 100, by software, recorded a program for executing a deposit and / or withdrawal function of the heterogeneous currency in order to perform the deposit and / or withdrawal of the heterogeneous currency. It may include a predetermined program routine (Routine) and / or program data that is loaded from the computer-readable recording medium to the execution memory and is processed by the processor.

Referring to FIG. 1, the information input through the information input unit 150 (or the keypad) provided in the call processing apparatus 100 is transmitted to the server 175 on the network, and the information of the currency type and the amount of money to be withdrawn is provided. Check and control the currency deposit and withdrawal unit 120 to withdraw a currency amount corresponding to the identified withdrawal target currency type and amount information among the two or more heterogeneous currencies from the currency storage unit 130; and / Alternatively, the information input unit 150 (or a keypad) directly to the financial server 175 corresponding to the card (or account) input through the card (account) reader unit 160 or via a predetermined server 175. After the exchange request corresponding to the exchange request information input through the), and after receiving the result of the exchange process, the call deposit and withdrawal control unit 120, the two or more heterogeneous calls from the call storage unit 130 Medium A call processing unit 110 in response to the exchange processing result to ever withdraw the monetary amount which is consistent with the currency type and amount to be debited may be included in the controller 105.

The memory 115 of the call processing device 100 may store a predetermined program routine (or code) and / or program data (eg, program routine (or code)) for controlling the overall operation of the call processing device 100. Information or data input / output when an operation is performed).

Here, the memory 115 may include at least one or more storage means including hardware electrically electrically and programmable read only memory (EEPROM) and / or flash memory (FM) and / or hard disk drive (HDD). Can be.

In addition, the memory 115 may include a predetermined program routine and program data (eg, a program routine) required for the controller 105 to perform a control function such as depositing and / or withdrawing a heterogeneous currency according to the present invention. Data to be input or output to perform a predetermined function) is preferably stored.

In addition, the memory 115 corresponds to input information and / or input information input from a customer and / or a customer card (or account) in the process of performing the deposit and / or withdrawal process of a heterogeneous currency according to the present invention. It is preferable to include a storage area for storing the output information to be output.

In addition, the memory 115 may further include an area for storing a BL (Black List) required for authenticating the validity of the customer card (or account).

Referring to FIG. 1, the illustrated information output unit 140 may include an information input unit 150 and / or a card reader unit 160 in the course of operating the call processing apparatus 100 according to the present invention. In response to the input information input through the controller, the predetermined input information processing result processed by the controller 105 may be output.

For example, when the customer's call processing apparatus 100 is initially connected, menu information for selecting (or entering) a predetermined financial transaction required by the customer and customer input information (eg, currency exchange) for the financial transaction menu information may be selected. Predetermined screen output means including predetermined display means (e.g., Liquid Crystal Display (LCD) and / or Cathode Ray Tube (CRT)) for the exchange request history information and / or processing history information processed corresponding to the application information And a voice output means such as a speaker).

Preferably, the information input unit 150 of the call processing device 100, in the process of withdrawing a currency exchange amount corresponding to the currency exchange process from a currency exchange customer who has already performed currency exchange and exchange processing through a wired or wireless communication network. And receiving predetermined information corresponding to the exchange processing, and / or receiving predetermined exchange request information for an exchange request, wherein the information input unit 150 is a keypad for inputting the above information. Information input means such as a key pad, a touch screen, a fingerprint reader, and the like.

Preferably, the card (account) reader unit 160 of the call processing apparatus 100 receives the customer card (or account) information in order to perform withdrawal and / or deposit processing of different currencies according to the present invention. And at least one MS card reading means, IC card reading means, contact and / or non-contact reading means, and at least one short range communication means with a wireless terminal.

Here, the IC card reading means, based on the ISO / IEC 7816 standard contact IC card reading means for providing an interface between the contact IC card and the call processing device 100 and / or based on the ISO / IEC 14443 standard It may include a contactless IC card reading means for providing an interface between the contactless IC card and the call processing device 100.

The contact IC card reading means comprises at least one contact point that makes an electrical contact contact with a chip on board (COB) provided in the contact IC card according to ISO / IEC 7816. Power is supplied to the IC chip of the contact type IC card, and predetermined information or data (e.g., card number) is transmitted from the IC chip through the half duplex transaction using an APDU (Application Protocol Data Unit). Information, chip related information, etc.) may be interfaced to the call processing apparatus 100.

In addition, the contactless IC card reading means is based on ISO / IEC 14443, at least one or more antennas that make contactless contact with the contactless IC card by using capacitive coupling and / or inductive coupling (inductive coupling), etc. It comprises a, and supplies power to the IC chip of the IC card through the antenna, predetermined information or data from the IC chip through the half-duplex transaction using the APDU, such as a card Number information, chip related information, etc.) may be interfaced to the call processing apparatus 100.

In addition, the card (account) reader unit 160, when the call processing device 100 performs the deposit and / or withdrawal process of the heterogeneous call in accordance with the present invention, receives the predetermined information from the customer wireless terminal In this case, a short range communication means for data communication with the wireless terminal may be further provided.

Here, the short range communication means may include a portable Internet communication, an infrared ray communication, a radio frequency (RF) communication, a Bluetooth communication, a wireless LAN communication, a Wi-Fi communication, a ZigBee. It may include at least one communication, UWB communication and the like.

Preferably, the short-range communication means provided in the card (or account) reader unit 160 is mounted by a predetermined agreement between the operator (or operator) of the call processing device 100 and the manufacturer (or supplier) of the wireless terminal. Identify the local area communication means.

Referring to FIG. 1, at least two call entry / exit units 120 of the illustrated call processing device 100 are linked with a call storage unit 130 according to a call withdrawal and / or a deposit command of the control unit 105. It is characterized by depositing and / or withdrawing the above heterogeneous currencies.

Here, the currency deposit and withdrawal unit 120 may be provided with a currency deposit and withdrawal means 125 such as a counter and / or a currency emitter for processing the corresponding currency to be deposited and / or withdrawn.

Preferably, the call storage unit 130 of the illustrated call processing device 100, according to the present invention is characterized in that to store at least two or more heterogeneous calls separately, and to check and manage the balance of the call.

For example, when the call storage unit 130 withdraws a specific currency amount in response to a request of the call processing unit 110 of the control unit 105, the call storage unit 110 checks the remaining amount of the specific currency and determines whether it is possible to withdraw the call. ) Can be delivered.

Preferably, the network communication unit 170 of the call processing device 100, the server 175 on the network in the process of the call processing device 100 processes the deposit and / or withdrawal of heterogeneous calls in accordance with the present invention (Or a terminal) and / or the terminal (or server 175) connected to the call processing device 100 via a predetermined cable and / or the call processing device 100 and connected through a predetermined short-range wireless communication By connecting a communication session with the terminal (or server 175), it is characterized in that for transmitting and receiving information required for the deposit and / or withdrawal processing of the heterogeneous call.

For example, the network communication unit 170 may be a predetermined wired network including a financial common network or a value added network (VAN) or high-speed Internet (eg, ADSL / VDSL / Cable Network /.../ satellite communication). And / or a communication channel with a server 175 (or terminal) on a wired or wireless network through a predetermined wireless network including a mobile communication network or a wireless data communication network.

In addition, although not shown in FIG. 1, the call processing apparatus 100 may include at least one or more security application data (eg, at least one or more identifiers, versions, expiration dates, issue dates, codes) required to perform a predetermined security request function. Values, etc.) and / or keys (e.g., one master key and at least one application key) and / or protocols (e.g., trading protocols, re-transaction protocols, previous transaction cancellation protocols, collection protocols, SAM issuance protocols, (account / Card company) registration protocol, authorization acquisition protocol, mode switching protocol, key download protocol, SAM revocation protocol) and / or commands (e.g., at least one read / authentication / transmission / registration / setting / mode switching / collection / deletion / discard / Initialization / reprocessing / cancel command) may further include a security fusing unit.

2 is a flowchart illustrating the operation of the call processing device 100 according to the preferred embodiment of the present invention.

In the operation process of the call processing apparatus 100 shown in FIG. 1 shown in FIG. 2, after a customer performs a currency exchange application and a currency exchange processing through a wired or wireless communication network, a currency exchange amount for the currency exchange process is calculated. In the case of withdrawal, the call processing device 100 transmits predetermined information and / or card (or account) information corresponding to the exchange processing received from the customer to the server 175 on the network to exchange the customer's exchange request history. It is characterized in that to withdraw the money exchange amount corresponding to the details of the currency exchange application confirmed.

Referring to FIG. 2, in the illustrated method, a customer connects to a server 175 through a wired or wireless communication network to request money exchange (200), and according to the customer's money exchange request at the server 175. After performing a predetermined exchange process, it may be started from the process of providing the customer with predetermined information corresponding to the exchange process according to the exchange request (205).

Here, the predetermined information corresponding to the currency exchange processing is authentication (or confirmation) information required for the customer to withdraw the exchange money exchange money processed using the call processing device 100 according to the present invention. Exchange information (or code consisting of numbers and / or letters, and / or specific codes including bar codes and / or specific images, etc.) and / or receipt number information and / or specific sound information output after the exchange processing It may include.

The withdrawal request of the exchange amount corresponding to the exchange process is received from the customer through the information input unit 150 provided in the call processing apparatus 100 (210), the card (or account) reader unit 160 Through the customer card (or account) information is input through the information input unit 150, the predetermined information corresponding to the exchange process from the customer (for example, currency exchange history code information or receipt number information output after the exchange process) , And / or a password of a card (or account), and / or input of the customer information, and / or the customer biometric information, etc. (215), the call processing unit 110 of the call processing device 100 The input information may be checked to authenticate the customer card (or account) and / or the customer.

If the authentication operation for the customer and / or the customer card (or account) using the information input through the card (or account) reader unit 160 and / or the information input unit 150 is not successfully performed ( 220, the call processing unit 110 interoperates with the information output unit 140 to output the customer and / or customer card (or account) authentication failure message (225).

On the other hand, if authentication of the customer and / or customer card (or account) is successfully performed (230), the call processing unit 110 through the network communication unit 170, the card (or account) reader unit ( 160 and / or transmits the information input through the information input unit 150 to the server 175 (235), and requests confirmation of the withdrawal target currency and amount information corresponding to the input information.

In addition, the call processing unit 110 receives and confirms a withdrawal target currency and amount information corresponding to the transmitted information from the server 175 (240), and the call storage unit provided in the call processing device 100 In connection with 130, the withdrawal of the confirmed currency amount is confirmed as possible (245).

If it is not possible to withdraw the confirmed currency amount due to lack of balance (250), the currency processing unit 110 through the information output unit 140, withdraw the exchange amount of the currency (or lack of balance) Output the message (255).

On the other hand, if it is confirmed that the withdrawal of the confirmed currency amount is possible (260), the call processing unit 110 through the call withdrawal unit 120 provided in the call processing device 100 to determine the confirmed currency amount Order withdrawal (265).

In addition, the call processing unit 110 instructs to display the call amount withdrawal history through the information output unit 140 (270).

If the customer wants a continuous transaction using the call processing device 100 (275), the above-described process of 210 to 270 may be repeatedly performed. On the other hand, if there is no continuous transaction of the customer (280), the call processing device 100 is initialized, and waits for the next operation.

3 is an operation flowchart of the call processing device 100 according to another preferred embodiment of the present invention.

FIG. 3 is a flowchart illustrating the operation of the call processing apparatus 100 shown in FIG. 1, requesting a currency exchange request from a customer to a server 175 on a network, and requesting a currency exchange process from the server 175. Receiving a predetermined result for the currency exchange processing, it is characterized in that for the currency exchange customer withdraws a currency amount corresponding to the type and amount of currency withdrawn corresponding to the currency exchange results of a plurality of different currencies.

Referring to FIG. 3, the illustrated process may be started from a process of reading card (or account) information of a customer in the card (account) reader unit 160 provided in the call processing apparatus 100. (300).

The call processing unit 110 of the call processing device 100 performs the customer card (or account) validity and / or customer authentication read from the card (account) reader unit 160 (305), and the card ( Or account) and / or the validity of the customer (310), the call processing unit 110 is linked with the information output unit 140 provided in the call processing device 100, the card (or account) And / or a customer authentication failure message (315).

At this time, if the transaction retry of the customer, the process of reading the card (or account) information of the customer in the card (account) reader unit 160 may be performed again. On the other hand, if the customer does not retry the transaction, the illustrated embodiment is terminated and the call processing device 100 is initialized to wait for the next operation.

On the other hand, after the validation of the card (or account) and / or the validity of the customer is successfully performed (320), the exchange request of the customer through the information input unit 150 of the call processing device 100 is confirmed 325, if the exchange request information is input from the customer through the information input unit 150 (330), the call processing unit 110 corresponds to the customer card (or account) through the network communication unit 170 The exchange request information is transmitted to the server 175 (335).

According to a preferred embodiment, when the customer's exchange application for exchange of local currency to foreign currency, the call processing unit 110 in conjunction with the network communication unit 170, the finance corresponding to the card (or account) Transfer the predetermined exchange processing request data including the card (or account) information and the exchange request information directly to the server 175 or via the predetermined server 175, and transfer the exchange from the financial server 175 to the exchange process. The foreign currency withdrawal command data according to the present invention can be received.

In addition, when the currency exchange application converts an overseas currency into a local currency, the call processing unit 110 interoperates with the network communication unit 170 and exchanges the card (or account) information with the predetermined server 175. Transmits a predetermined currency exchange request data including application information, requests a withdrawal corresponding to the currency exchange request from the server 175 to the foreign financial server 175 corresponding to the card (or account), and the processing result; When receiving, the server 175 may receive local currency withdrawal command data according to the exchange process.

Preferably, the exchange request information input (or selected) through the information input unit 150 may be configured to include at least one exchange request currency type information and the exchange request amount information.

And, the information input unit 150, during the input (or selection) of the exchange request information of the customer, exchange rate information and / or exchange rate information corresponding to the exchange rate information, exchange rate information according to the exchange rate preferential and / or Currency exchange amount information corresponding to exchange rate information, card (or account) withdrawal amount information according to a bill selling rate, currency payment amount information according to a bill purchase rate, and currency exchange deposit and / or withdrawal information corresponding to the exchange request; You can print it out and present it.

When the processing response to the exchange request information transmitted from the server 175 is received through the network communication unit 170 (340), the call processing unit 110 confirms the received exchange request information processing response, Check if the exchange can be processed according to the customer's application.

If, as a result of confirming the exchange request processing response, the exchange processing according to the exchange request of the customer is not possible (345), the call processing unit 110 through the information output unit 140, the exchange processing failure message To output (350).

On the other hand, if the exchange can be processed according to the customer's exchange request (355), the call processing unit 110 checks the withdrawal currency and amount information (360) with reference to the received exchange request processing response.

In addition, the call processing unit 110 checks whether the withdrawal of the checked currency and amount is possible in connection with the call storage unit 130 provided in the call processing apparatus 100 (365). If the withdrawal of the currency and amount is not possible (370), the call processing unit 110 outputs a balance shortage message and / or withdrawal error message, etc., through the information output unit 140 (375). ).

On the other hand, if it is possible to withdraw the identified currency and amount (380), the call processing unit 110 withdraws the confirmed currency amount through the currency deposit and withdrawal unit 120 provided in the call processing device 100 In operation 385, the information output unit 140 displays the currency amount withdrawal details (390).

Preferably, when the customer wants a continuous transaction using the currency processing apparatus 100 (395), the above-described process of 300 to 390 may be repeatedly performed. On the other hand, if there is no continuous transaction of the customer, the call processing device 100 is initialized, and waits for the next operation.

4 is a diagram illustrating a schematic configuration of a call processing device 100 according to another preferred embodiment of the present invention.

The call processing apparatus 100 illustrated in FIG. 4 is characterized in that it includes at least two call storage units 130 as compared to the call processing apparatus 100 illustrated in FIG.

In addition, in the description of the call processing apparatus 100 shown in FIG. 4, the description of the functional components having the same functions as the corresponding functional components of the call processing apparatus 100 of FIG. Omit it to use it.

Referring to FIG. 4, the illustrated call processor 110 includes a first call storage unit 130 including a first call storage unit 135-1 and a second call storage unit 135-2. The second call storage unit 130, ..., and the N-th call storage unit 130 having an N-th call storage means (135-N) is characterized in that it is interlocked.

Referring to FIG. 4, the illustrated call processing device 100 is a call processing device 100 that deposits and / or withdraws at least two different currencies. The first call for storing the first call is shown in FIG. A plurality of currency storage units 130 including a storage unit 130 and a second currency storage unit 130 storing a second currency, and a currency deposit / exit unit that deposits and / or withdraws the at least two different currencies; 120, a card (account) reader unit 160 for receiving predetermined card (or account) information for call deposit and / or withdrawal, and an information input unit for receiving predetermined call deposit and / or withdrawal application information ( Received through the call deposit and withdrawal unit 120 of the plurality of call storage unit 130 in response to the deposit information input through the 150 (or the keypad) and the information input unit 150 (or the keypad). The currency deposit and withdrawal in the currency storage unit 130 corresponding to the type of currency Store the currency deposited through 120, periodically provide the call deposit history with the card (or account) information to the server 175, and / or the information input unit 150 (or keypad) In response to the withdrawal information input through the), withdrawal request to the server (175) corresponding to the card (or account), after receiving the withdrawal request result from the server 175, the call withdrawal unit 120 ) And a call processing unit 110 for withdrawing a call from the call storage unit 130 corresponding to the withdrawal target currency type among the plurality of call storage units 130.

In addition, the illustrated currency processing apparatus 100 may be configured to further include an information output unit 140 for displaying predetermined financial transaction menu information and currency deposit and / or withdrawal information on the screen.

In addition, the card (or account) input through the card (account) reader unit 160 may include at least one MS card, an IC card, and at least one financial IC chip mounted or detached from a wireless terminal. have.

Here, the card reader unit 160 may include at least one MS card reading means, IC card reading means, contact and / or non-contact reading means, and short-range communication means with a wireless terminal. have.

In addition, the information input unit 150 of the illustrated call processing device 100, characterized in that further receiving the password of the card (or account) and / or the customer biometric information, the call processing device 100 The call processor 110 may verify the validity of the card (or account) and / or the customer by confirming the password of the input card (or account) and / or the customer biometric information.

In addition, the present invention is characterized in that it comprises a computer-readable recording medium, characterized in that for recording the program for executing the function of the at least one call processing device 100 component described above.

Hereinafter, referring to FIGS. 5 to 6, card (or account) and withdrawal (or deposit) information input to the call processing apparatus 100 using the call processing apparatus 100 illustrated in FIG. 4 described above. In response to the deposit (or withdrawal) request to the server (175) corresponding to the input card (or account), and receives a deposit (or withdrawal) request result from the server (175), to the type of currency to be withdrawn A simple embodiment illustrating the process of depositing (or withdrawing) a corresponding currency.

5 is a flowchart illustrating the operation of the call processing device 100 according to another preferred embodiment of the present invention.

Referring to FIG. 5, in the call deposit process using the call processing apparatus 100 of FIG. 4, the card (account) reader unit 160 of the call processing apparatus 100 reads the card (or account) information of the customer. It may be started from the process of reading (500).

Then, the call processing unit 110 of the call processing device 100 performs the customer card (or account) validity and / or customer authentication read from the card (account) reader unit 160 (505), the If the validity of the card (or account) and / or the customer is not confirmed (510), the call processing unit 110 is linked with the information output unit 140 provided in the call processing apparatus 100, the card (Or account) and / or a customer authentication failure message (515).

Thereafter, if the customer retries the transaction, the process of reading the card (or account) information of the customer in the card (account) reader unit 160 may be performed again. On the other hand, if the customer does not retry the transaction, the illustrated embodiment is terminated and the call processing device 100 is initialized to wait for the next operation.

On the other hand, when the call processing unit 110 is confirmed that the validity of the card (or account) and / or the customer (520), through the information input unit 150 of the call processing device 100 or the call deposit or Confirm the call withdrawal application (525).

When the customer's call withdrawal application is confirmed through the information input unit 150 (530), it may be proceeded according to the call withdrawal process of Figure 6 described below (A).

On the other hand, when the call deposit request of the customer is confirmed through the information input unit 150 (535), call deposit information (for example, call type information to deposit, deposit request from the customer through the information input unit 150) Money information, etc.) is input (540), and the call processing unit 110 checks a predetermined call deposit from the customer in cooperation with the call deposit and withdrawal unit 120 (545).

The call processing unit 110 stores the deposited call in the call storage unit 130 corresponding to the confirmed call among the plurality of call storage units 130 provided in the call processing apparatus 100. Request (550), the call storage unit 130 corresponding to the deposit confirmation call in response to the call storage request of the call processor 110, the call received from the customer through the call storage means 135 Save it (555).

Next, the call processor 110 periodically transmits the call deposit history to the server 175 with the card (or account) information through the network communication unit 170 (560), and the information output unit 140 Through, to display the money amount deposit history (565).

6 is a flowchart illustrating the operation of the call processing device 100 according to another preferred embodiment of the present invention.

6 is a simple implementation in which the call withdrawal application of the customer is confirmed through the information input unit 150 provided in the call processing apparatus 100, and withdrawal processing corresponding to the withdrawal application is performed in the process of FIG. Yes.

Referring to FIG. 6, the call withdrawal process according to the illustrated embodiment may be started from a process of receiving call withdrawal information from the customer through the information input unit 150 provided in the call processing apparatus 100 ( 600).

The call processing unit 110 included in the call processing device 100 transmits a withdrawal request message including call withdrawal information input through the information input unit 150 through the network communication unit 170 to the customer card (or account). In step 605, the server 175 receives a withdrawal response message for the withdrawal request message from the server 175.

When the withdrawal response message for the withdrawal request message is received from the server 175, the call processing unit 110 refers to the call withdrawal information input through the information input unit 150, the call processing device 100 Of the plurality of call storage unit 130 provided in the, check the call storage unit 130 having a corresponding call storage means 135 to request the withdrawal of the customer (615), the confirmed call storage unit 130 In step 620, it is checked whether the currency can be withdrawn.

If the currency remaining in the call storage means 135 is insufficient and the withdrawal of the requested money amount is not possible (625), the call processing unit 110 through the information output unit 140, the A low balance message of the call may be output (630) and the customer may be notified.

On the other hand, if it is determined that the withdrawal of the requested currency amount is possible (635), the call processing unit 110 through the call withdrawal unit 120 provided in the call processing device 100, the confirmed call amount Command to withdraw money (640), and transmits the call withdrawal history to the server 175 with the card (or account) information periodically through the network communication unit 170 (645).

The call processor 110 may display the call amount withdrawal details through the information output unit 140 provided in the call processing apparatus 100 and notify the withdrawal request customer (650).

As described above, by providing a call processing device 100 for processing the deposit and / or withdrawal of a plurality of different currencies, the customer has an advantage that can easily receive the exchange amount after the exchange process through the Internet banking.

In addition, for the deposit or withdrawal of the currency, there is an advantage that it is easy to deposit and withdraw money for two or more different currencies without the hassle of visiting the window directly.

In addition, service providers (eg, financial institutions, etc.) have the advantage of increasing the number of Internet banking users through a call processing device associated with Internet banking, and also providing and commissioning various services associated with the increase of Internet banking users. It has the advantage of generating additional revenue.

Claims (27)

It is characterized by depositing and / or withdrawing at least two or more heterogeneous currencies, and withdrawing a currency exchange amount corresponding to the currency exchange process to a currency exchange customer who has already performed currency exchange and exchange processing through a wired or wireless communication network. In the call processing device, A call storage unit for storing at least two heterogeneous currencies separately; A call deposit and withdraw unit that withdraws the at least two heterogeneous currencies in association with the call storage; An information input unit (or keypad) for receiving predetermined information corresponding to the currency exchange process; And The information input through the information input unit (or the keypad) is transmitted to a server on the network to check the type of money and the amount of money to be withdrawn, and to control the call entry / exit unit to control the two or more heterogeneous calls from the call storage unit. And a currency processing unit for withdrawing a currency amount corresponding to the identified withdrawal target currency type and amount information. The method of claim 1, Characterized in that it further comprises a card (account) reader unit for receiving predetermined card (or account) information, And the call processing unit further transmits the card (or account) information input through the card (account) reader unit to the server. The method of claim 2, wherein the card (or account), And at least one MS card, an IC card, and at least one financial IC chip mounted or detached from the wireless terminal. The card (account) reader unit according to claim 2, And at least one MS card reading means, an IC card reading means, contact and / or contactless reading means, and at least one short range communication means with a wireless terminal. The method of claim 1, And an information output unit which displays predetermined financial transaction menu information, currency exchange application history information, and / or transaction details information on a screen. The method of claim 5, wherein the information output unit, Exchange rate information and / or exchange rate information corresponding to the exchange rate information, Exchange rate information and / or exchange rate information corresponding to the exchange rate information according to the exchange rate preferential treatment, The card (or account) withdrawal amount information according to the bill selling rate, Currency payment amount information according to the bill purchase rate, And at least one currency exchange deposit and / or withdrawal information corresponding to the currency exchange request. The predetermined information corresponding to the currency exchange processing is as claimed in claim 1, Currency exchange processing history code information or a call processing device comprising a receipt number information output after the exchange processing. The method of claim 1, The information input unit, Characterized in that the password of the card (or account), and / or the customer information, and / or the customer biometric information is further input, The call processor may verify the validity of the card (or account) and / or the customer by confirming a password of the input card (or account), and / or the customer information, and / or the customer biometric information. Call processing device. According to claim 1, The call processing device, And at least one ATM, CD, and KIOSK. A computer-readable recording medium having recorded thereon a program for executing a function of the call processing device component of any one of claims 1 to 8. A call processing device for depositing and / or withdrawing at least two different currencies, A call storage unit for storing at least two heterogeneous currencies separately; A currency deposit / exit unit that deposits and / or withdraws the at least two heterogeneous currencies in association with the currency storage unit; A card (account) reader unit for receiving predetermined card (or account) information; An information input unit (or keypad) for receiving predetermined exchange request information; And Exchange processing corresponding to the exchange request information input through the information input unit (or keypad) directly to the financial server corresponding to the card (or account) input through the card (account) reader unit or via a predetermined server. After requesting and receiving the currency exchange result, controlling the currency deposit and withdrawal unit, and withdraws a currency amount corresponding to the currency type and amount withdrawn from the currency storage unit corresponding to the currency exchange result from the two or more heterogeneous currencies. And a call processing unit. The method of claim 11, And an information output unit which displays predetermined financial transaction menu information, currency exchange application history information, and / or transaction details information on a screen. The method of claim 12, wherein the information output unit, Exchange rate information and / or exchange rate information corresponding to the exchange rate information, Exchange rate information and / or exchange rate information corresponding to the exchange rate information according to the exchange rate preferential treatment, The card (or account) withdrawal amount information according to the bill selling rate, Currency payment amount information according to the bill purchase rate, And at least one currency exchange deposit and / or withdrawal information corresponding to the currency exchange request. The method of claim 11, wherein the exchange request information, A currency processing apparatus comprising at least one currency request information and currency request information. The method of claim 11, wherein the card (or account), And at least one MS card, an IC card, and at least one financial IC chip mounted or detached from the wireless terminal. The method of claim 11, wherein the card (account) reader unit, And at least one MS card reading means, an IC card reading means, contact and / or contactless reading means, and at least one short range communication means with a wireless terminal. The method of claim 11, The information input unit, Characterized in that the card (or account) of the password, and / or the customer biometrics further input, And the call processing unit verifies the validity of the card (or account) and / or the customer by confirming a password of the input card (or account) and / or the customer biometric information. The method of claim 11, wherein the call processing unit, If the currency exchange application converts local currency into foreign currency, Transfer predetermined currency processing request data including the card (or account) information and currency exchange request information directly or through a predetermined server to the financial server corresponding to the card (or account), and exchange the currency from the financial server. Receiving foreign currency withdrawal command data according to, If the currency exchange application converts foreign currency into local currency, Sending a predetermined exchange processing request data including the card (or account) information and exchange request information to a predetermined server, and the server corresponding to the exchange request to the foreign financial server corresponding to the card (or account) And requesting a withdrawal and receiving a processing result, and receiving local currency withdrawal command data according to the currency exchange processing from the server. The method of claim 11, wherein the call processing device, A call processing device comprising at least one ATM, a CD, and a kiosk. A computer-readable recording medium having recorded thereon a program for executing a function of the call processing device component of any one of claims 11 to 18. A call processing device for depositing and / or withdrawing at least two different currencies, A plurality of call storage units including a first call storage unit for storing a first call and a second call storage unit for storing a second call; A currency deposit and withdraw unit for depositing and / or withdrawing the at least two different currencies; A card (account) reader unit for receiving predetermined card (or account) information for call deposit and / or withdrawal; An information input unit (or keypad) for receiving predetermined call deposit and / or withdrawal request information; And In response to the deposit information input through the information input unit (or the keypad), a currency deposited through the currency deposit / exit unit in a currency storage unit corresponding to a type of a currency deposited through the currency deposit / exit unit among the plurality of currency storage units. Save the call, periodically provide the call deposit with the card (or account) information to the server, and / or In response to the withdrawal information input through the information input unit (or the keypad), the withdrawal request to the server corresponding to the card (or account), after receiving the withdrawal request result from the server, and controls the call withdrawal unit And a call processing unit configured to withdraw a call from the call storage unit corresponding to the withdrawal target currency type among the plurality of call storage units. The method of claim 21, And an information output unit which displays predetermined financial transaction menu information and currency deposit and / or withdrawal information on the screen. The method of claim 21, wherein the card (or account), And at least one MS card, an IC card, and at least one financial IC chip mounted or detached from the wireless terminal. The method of claim 21, wherein the card (account) reader unit, And at least one MS card reading means, an IC card reading means, contact and / or contactless reading means, and at least one short range communication means with a wireless terminal. The method of claim 21, The information input unit, Characterized in that the card (or account) of the password, and / or the customer biometrics information further, And the call processing unit verifies the validity of the card (or account) and / or the customer by confirming a password of the input card (or account) and / or the customer biometric information. The method of claim 21, wherein the call processing device, A call processing device comprising at least one ATM, a CD, and a kiosk. A computer-readable recording medium having recorded thereon a program for executing a function of the call processing device component of any one of claims 11 to 25.

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