KR20060100064A - System and method for processing exchange by using bio information and recording medium - Google Patents

Abstract

The present invention relates to an exchange processing system that enables exchange using user biometric information.

Currency exchange system, the storage medium for storing the user's biometric information and the user card (or account) information in association with; Information receiving means for receiving user biometric information and predetermined exchange request information; Information reading means for reading user card (or account) information associated with the biometric information received by the information receiving means from the storage medium; And currency exchange processing means for performing currency exchange processing corresponding to the exchange request information using the user card (or account) information read by the information reading means.

With the exchange processing system using the user biometric information, the customer can simply perform a currency exchange processing with only the biometric information previously stored in association with the card or the bankbook without the card or the bankbook required for the exchange.

Biological Information

Description

System and method for processing exchange by using bio information and recording medium}

1 is a diagram showing a schematic configuration of a currency exchange processing system using preferred user biometric information according to the present invention.

Figure 2 shows a schematic configuration of a preferred storage medium according to the invention.

3 is a simple flowchart of a currency exchange process according to a preferred embodiment of the present invention.

<Description of main parts of drawing>

100: server (1) 105: currency exchange processing means

110: card (or account) verification means 115: card (or account) amount withdrawal means

120: information reading means 125: currency exchange processing details processing means

130: terminal 135: terminal control means

140: currency exchange process output means 145: information receiving means

150: biometric information input means 155: key pad

160: storage medium 165: server (2) (or terminal)

The present invention relates to a currency exchange processing method and system using a user's biometric information to perform a simple currency exchange processing only with the previously stored biometric information in association with the card or bankbook, without a card or bankbook required during the exchange.

In general, when a customer goes out of the country, the exchange is to exchange the won for the currency of the relevant country (eg, dollars, yen, etc.). Or, after performing a currency exchange procedure on the Internet, it was common to print (print) and bring proof data (for example, currency exchange history, etc.), and then visit the branch office to receive a money exchange amount.

In the conventional currency exchange service, the customer had to have an account (or card) withdrawn the money to be exchanged, and also had to know the account and / or account information on which the money was exchanged. In addition, there was a inconvenience that the customer should always have an account (or card) at the time of exchange.

An object of the present invention is derived to solve the above problems, when the exchange of customers, eliminating the problem of the inconvenience of having to carry a passbook (or card) at all times and lost a passbook (or card) and exchange money more easily The present invention provides a method and system for processing currency exchange using user biometric information.

Another object of the present invention is to provide a computer-readable recording medium, which records a program for executing a currency exchange processing method using the user biometric information.

In accordance with an aspect of the present invention, there is provided a method for exchanging currency using user biometric information, the method comprising: storing user biometric information and user card (or account) information in a predetermined storage medium in a predetermined information storage means; Receiving user biometric information and currency exchange request information at a predetermined information receiving means, and reading user card (or account) information associated with the received biometric information at a predetermined information reading means from the storage medium; And performing a currency exchange process corresponding to the currency exchange request information by using the read user card (or account) information in a predetermined currency exchange means.

In addition, the present invention may be configured to further include the step of storing the exchange processing history using the card (or account) in a predetermined storage medium in a predetermined information storage means.

In addition, the present invention may be configured to further include the step of outputting to the user, or providing to the user the exchange processing history using the card (or account) in a predetermined information providing means.

According to the invention, the step of receiving the user biometric information and the predetermined exchange request information in the information receiving means, further comprising the step of receiving a predetermined password (or code) corresponding to the card (or account) information from the user It may include.

Further, according to the present invention, the step of performing the exchange process corresponding to the exchange request information using the read user card (or account) information in the exchange processing means, the user card (or account) information Checking whether it is possible to withdraw the exchange money amount corresponding to the exchange request information using the user card (or account) in conjunction with the corresponding financial server (or terminal) and as a result of the check, the user card (or account) If it is possible to withdraw the exchange amount corresponding to the exchange request information by using, the step of withdrawing the exchange amount corresponding to the exchange request information using the user card (or account).

Further, the step of performing a currency exchange process corresponding to the exchange request information using the read user card (or account) information in the currency exchange processing means, the financial server (or Terminal), withdrawing the amount corresponding to the exchange request information from the card (or account) and forcibly assigning the amount of money exchanged corresponding to the amount withdrawn from the card (or account) to the user. The method may further include depositing a deposit into a virtual account (or a card) or depositing into an account (or card) designated by the user.

Further, the step of performing a currency exchange process corresponding to the exchange request information using the read user card (or account) information in the currency exchange processing means, corresponds to the details of the exchange process using the card (or account) The method may further include processing branch accounting and currency accounting.

On the other hand, the present invention includes a computer-readable recording medium, characterized in that for recording the program for executing the above-described exchange processing method using the user biometric information.

Hereinafter, with reference to the accompanying drawings and description will be described in detail the operating principle of the currency exchange processing system using the user biometric information according to the present invention. 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 currency exchange processing system using preferred user biometric information according to the present invention.

According to the present invention, a currency exchange processing system using user biometric information includes a storage medium 160 for storing and processing user biometric information and user card (or account) information, and user biometric information and predetermined exchange request information. Information reading means 120 for reading input information receiving means 145 and user card (or account) information associated with the biometric information received by the information receiving means 145 from the storage medium 160; And the exchange processing means 105 which performs the exchange process corresponding to the exchange request information by using the user card (or account) information read out by the information reading means 120.

According to a preferred embodiment, each means provided in the exchange processing system using the user biometric information may be provided in a single server (or terminal), or may be provided in at least one terminal and at least one server.

Referring to FIG. 1, a currency exchange processing system using user biometric information includes information reading means 120, currency exchange processing means 105, card (or account) checking means 110, and card (or account) amount of money. It is connected to the server (1) (100) having a withdrawal means 115, a currency exchange processing details processing means 125, and the server 100 via a predetermined network, information receiving means 145, currency exchange Process information output means 140, a terminal 130 having a terminal control means 135, and information requested and / or processed by at least one or more terminals 130 to the server 100 via a network Alternatively, and / or the server 2 (or terminal) 165 for transmitting the processing history information of the server 100 to the terminal 130 through the network.

According to FIG. 1, the exchange processing system using the user biometric information may be configured as described above, but this is merely to more clearly describe the gist of the present invention, and each of the exchange processing system using the user biometric information is provided. Means as described above may be configured in various forms of servers and / or databases.

Preferably, between the terminal 130 and the server 2 (or terminal) 165, and / or between the terminal 130 and the server 1 (100), and / or the server 2 (or The network connecting the data communication session between the terminal (165) and the server (1) (100) may be a financial common network or a value added network (VAN) or high-speed Internet (eg, ADSL / VDSL / Cable Network /. ../Satellite communication).

Referring to Figure 1, the server (1) 100 on the exchange processing system using the user biometric information, information reading means 120, currency exchange processing means 105, currency exchange processing history processing means 125, card (or Account) confirmation means 110, the card (or account) may be configured to include a means for withdrawing money (115).

In more detail, the information reading means 120 provided in the server 1 on the currency exchange processing system receives the user biometric information received by the information receiving means 145 provided in the terminal 130 and the user. The user card (or account) information associated with the biometric information is read from the storage medium 160 on the currency exchange system.

The card (or account) checking means 110 of the server 100 is linked with the currency exchange processing means 105, and through the information reading means 120, a user card (or account) associated with the user biometric information When the information is read from the storage medium 160, it is checked whether the exchange amount corresponding to the exchange request information can be withdrawn using the read user card (or account).

In addition, the card (or account) amount withdrawal means 115 of the server 100, the exchange request information using the user card (or account) as a result of the check of the card (or account) verification means 110; When it is possible to withdraw the money exchange amount corresponding to, the money exchange amount corresponding to the money exchange request information is withdrawn using the user card (or account).

In addition, the exchange processing means 105 of the server 100, the card (or account) amount withdrawal means 115 by using the user card (or account) information read out by the information reading means 120 When the exchange amount corresponding to the exchange request information is withdrawn from the card (or account), a currency exchange process corresponding to the exchange request information is performed.

In addition, the exchange processing means 105, with the financial server (or terminal) corresponding to the card (or account) information, withdraws the amount corresponding to the exchange request information from the card (or account) Depositing the exchanged amount corresponding to the amount withdrawn from the card (or account) to the virtual account (or card) forcibly allocated to the user, or depositing to the account (or card) designated by the user Characterized in that.

In addition, the currency exchange processing means 105 is characterized in that the branch accounting and currency-specific accounting in accordance with the exchange processing details using the card (or account).

In addition, the exchange processing history processing means 125 of the server 100, when the exchange processing operation using a card (or account) is performed through the exchange processing means 105, and stores the details of the exchange processing history Stored in the medium 160 or provided to the user.

Here, the exchange processing history provided to the user may be provided through a wireless terminal of the user, and / or an e-mail, or may be output to the user through a terminal on the currency exchange system.

Referring to FIG. 1, a terminal 130 on a currency exchange processing system using user biometric information includes a biometric information input means 150, an information receiving means 145 including a keypad 155, and a currency exchange history output. It may comprise a means 140.

In addition, the terminal 130 includes a terminal control means 135 for controlling the biometric information input means 150, information receiving means 145 including a keypad, and currency exchange processing history output means 140. It may be configured to include more.

Preferably, the information receiving means 145 of the terminal 130 is characterized in that for receiving the user's biometric information and the predetermined exchange request information from the user requesting the exchange request using the biometric information according to the present invention. .

In particular, the information receiving means 145 includes a biometric information input means 150 for receiving biometric information such as a fingerprint of a user, receiving biometric information input from a user, and receiving the biometric information from the server 100. By transmitting to), it is possible to check the user card (or account) information associated with the biometric information.

In addition, the information receiving means 145 includes a keypad 155 for receiving predetermined exchange request information from a user requesting the exchange request, and receives exchange request information or from the user the card (or A predetermined password (or code) corresponding to the account information may be input.

Here, the exchange request information input through the keypad 155, etc., the currency type and currency exchange amount information, the currency exchange user information, and the exchange information service selection information to be provided at the time of exchange At least one account information of an account to which the exchanged amount is transferred in response to the exchange request, account holder information to which the exchanged amount is transferred, and financial institution information corresponding to the account to which the exchanged amount is transferred. It may include.

In addition, the exchange processing history output means 140 of the terminal 130, after the exchange processing using the card (or account) associated with the biometric information is performed to output the exchange processing history to the user.

The storage medium 160 shown in FIG. 1 is provided in the server 100, and / or a financial company server, and / or a VAN company server, and / or a mobile communication company server, and / or a separate network located on the network. Can be located on the server.

The storage medium 160 stores, on the exchange processing system, information required for performing a currency exchange process using user biometric information according to the present invention. The information stored in the storage medium 160 is as follows. It will be described in more detail with reference to 2.

2 shows a schematic configuration of a preferred storage medium 160 according to the present invention.

Referring to FIG. 2, as an embodiment showing blocks of information stored in the storage medium 160 included in the currency exchange processing system shown in FIG. 1, the storage medium 160 may include user personal information and / or a user. Card (or account) information, and / or exchange request information, and / or customer biometric information, and / or exchange request history information is preferably stored in conjunction with each other.

User personal information includes personal information (eg, name, address, telephone number, e-mail, etc.) provided by the user at the time of opening and / or application of the card (or account), and user card (or account) information. According to the present invention, is linked to the biometric information of the user, and includes card (or system) information that can be deposited and / or withdrawal and / or exchange through the user biometric information.

The exchange request information is information input by the user requesting a predetermined exchange request through a card (or an account) associated with the user biometric information, and is preferably input through the terminal shown in FIG. Information on the type of currency and currency exchange, information on the user of the exchange request, information on the type of exchange preferential service to be provided when the exchange request is made, account information of an account to which the money exchanged in response to the exchange request is transferred; It may include at least one account holder information to which the exchanged amount is transferred and financial institution information corresponding to the account to which the exchanged amount is transferred.

The customer biometric information is biometric information including at least one fingerprint, an iris, a face, a back of a hand, a vein, a voice, etc., which are input to a terminal when a user requests for exchange of money by replacing a card (or account) according to the present invention. It is preferably stored in association with the user card (or account).

The exchange request history information may be recorded after the exchange processing history using the user biometric information is performed.

3 is a simple flowchart of a currency exchange process according to a preferred embodiment of the present invention.

FIG. 3 illustrates the use of user biometric information associated with the user card (or account) in the course of performing a predetermined currency exchange process using the user card (or account), without carrying the card (or account) directly. It is a simple embodiment for the process of carrying out the exchange process simply and conveniently.

Referring to FIG. 3, the illustrated exchange processing process includes a predetermined storage medium by linking user biometric information and user card (or account) information in a server 100 (eg, a server or a financial server that performs currency exchange processing). It may be initiated from the process of storing in 160 (300).

In this case, the user biometric information is registered in the server 100 in the process of opening the card (or account), and / or when the user biometric information is registered for the card (or account) previously opened, It is noted that registration may also be possible through a biometric information registration process (for example, by visiting the counter and registering).

According to the present invention, a predetermined exchange request request is received from the user at the terminal 130 (for example, ATM, KIOSK, window terminal, etc.), and the biometric information input means 150 provided at the terminal 130 When the user biometric information input is confirmed from the user through 305, the terminal 130 performs a validity authentication operation on the input user biometric information.

Here, the user biometric information validity authentication task may include checking whether the input user biometric information is previously registered biometric information, and forgery / modulation of the input user biometric information.

If, as a result of validity authentication of the input user biometric information, the user biometric information is not previously registered biometric information or there is a fear of forgery / modulation of the biometric information (310), the terminal 130 In operation 315, the validation check failure message regarding the biometric information input from the user may be output.

On the other hand, if the validity authentication operation for the input user biometric information is successfully performed (320), the terminal 130 may output a validation message for the biometric information input from the user (325). ).

According to another preferred embodiment, in the process of receiving user biometric information and predetermined exchange request information in the information receiving means 145, a predetermined password (or code) corresponding to the card (or account) information from the user By further receiving), the security of the exchange process can be improved.

In addition, when predetermined exchange request information is input from the user through the keypad 155 of the terminal 130 or the like (330), the terminal 130 exchanges the exchange information including the biometric information and / or exchange request information. The application text is generated and transmitted to the server 100 on a predetermined network (335).

Then, the information reading means 120 of the server 100, the card (or account) information associated with the user biometric information with reference to the full currency exchange request transmitted from the terminal 130, the storage medium 160 The card (or account) checking means 110 of the server, using the card (or account) read out by the information reading means 120, the currency exchange corresponding to the exchange request information. It is determined whether the amount of money can be withdrawn (345).

Here, if it is not possible to withdraw the exchange amount corresponding to the exchange request information using the usage and / or balance of the card (or account) read by the information reading means 120 (350), the server 100 Currency exchange processing history processing unit 125 of) may transmit the exchange money withdrawal impossible message to the terminal 130 and / or the user (355).

On the other hand, when it is possible to withdraw the exchange amount corresponding to the exchange request information (360) by using the usage and / or balance of the read card (or account), the card (or account) of the server 100 A money withdrawal means 115 withdraws the money exchange amount from the user card (or account), and the money exchange processing means 105 of the server 100 performs the withdrawal of money with respect to the withdrawal money amount according to the money exchange request information. Perform the exchange process (365).

In addition, the server 100 transmits a full money exchange request response message including a currency exchange history according to the money exchange request information to the terminal 130 (370), and at this time, the withdrawal event for the money exchange amount of the user If there is (375), the terminal 130 withdraws the money exchange amount to the user, and transfers the money change amount withdrawal details to the server 100 (380), the money exchange processing history using the card (or account) Respond to branch office accounting and currency accounting.

By the exchange processing system using the user biometric information, the customer has the advantage that the exchange can be easily performed only with the biometric information previously stored in association with the card or bankbook, even without a card or bankbook required for exchange.

In addition, the customer must have an account (or card) withdrawing the amount to be exchanged, and / or have an account to which the exchanged amount is deposited and / or be aware of account information. The advantage is that it can be eliminated.

Claims (20)

A storage medium for linking and storing user biometric information and user card (or account) information; Information receiving means for receiving user biometric information and predetermined exchange request information; Information reading means for reading user card (or account) information associated with the biometric information received by the information receiving means from the storage medium; And A currency exchange processing means for performing a currency exchange process corresponding to the exchange request information using the user card (or account) information read out by the information reading means; . The method of claim 1, Currency exchange processing system using the user's biometric information characterized in that it further comprises a currency exchange processing history processing means for storing the exchange processing history using the card (or account) in a predetermined storage medium or provide it to the user. The method of claim 1, Currency exchange processing system using the user bio-information characterized in that it further comprises a currency exchange processing history output means for outputting a currency exchange processing history using the card (or account). The method of claim 1, wherein the information receiving means, And a biometric information input means for receiving biometric information such as a fingerprint of a user. The method of claim 1, wherein the information receiving means, And a keypad for receiving predetermined exchange request information from a user. The method of claim 1, wherein the information receiving means, And a predetermined password (or code) corresponding to the card (or account) information is input from the user. The method of claim 1, wherein the currency exchange processing means, Card (or account) checking means for confirming that it is possible to withdraw a currency exchange amount corresponding to the exchange request information using the user card (or account); And When it is possible to withdraw the exchange amount corresponding to the exchange request information using the user card (or account), as a result of checking the card (or account) checking means, the exchange request information using the user card (or account) The card (or account) amount withdrawal means for withdrawing the exchange amount corresponding to the; Or the card (or account) checking means and the card (or account) money withdrawal means. The method of claim 1, wherein the currency exchange processing means, The amount withdrawn from the card (or account) after withdrawing the amount corresponding to the exchange request information from the card (or account) in conjunction with the financial server (or terminal) corresponding to the card (or account) information In response to the money exchanged amount is deposited into the virtual account (or card) forcibly assigned to the user, or Exchange processing system using the user biometric information, characterized in that the deposit processing to the account (or card) designated by the user. The method of claim 1, wherein the currency exchange processing means, Currency exchange processing system using the user's biometric information, characterized in that for processing the accounting by branch and currency corresponding to the exchange processing details using the card (or account). The method of claim 1, wherein the exchange request information, Information on the type of currency to be exchanged and the amount of exchange request, information on the user of the exchange request, information on the type of exchange preferential service to be provided when the exchange request is made, and account information of an account to which the amount exchanged in response to the exchange request is transferred; And at least one account holder information to which the exchanged amount is transferred and financial institution information corresponding to the account at which the exchanged amount is transferred. The method according to any one of claims 1 to 9, wherein each of the means, Exchange system using the user biometric information, characterized in that provided in a single server (or terminal), or provided in at least one or more terminals and at least one server. Storing the user biometric information and the user card (or account) information in a predetermined information storage means in a predetermined storage medium; Receiving user biometric information and currency exchange request information from predetermined information receiving means; Reading user card (or account) information associated with the received biometric information from the storage medium by a predetermined information reading means; And Performing a currency exchange process corresponding to the exchange request information by using the read user card (or account) information by a predetermined currency exchange means; . The method of claim 12, The method of claim 1 further comprising the step of storing the exchange processing history using the card (or account) in a predetermined storage medium in a predetermined storage medium. The method of claim 12, And a step of outputting to the user the exchange processing details using the card (or account) in a predetermined information providing means, or providing the same to the user. The method of claim 12, wherein the receiving of the user biometric information and predetermined exchange request information by the information receiving means comprises: And receiving a predetermined password (or code) corresponding to the card (or account) information from the user. The method according to claim 12, wherein the step of performing currency exchange processing corresponding to the exchange request information using the read user card (or account) information in the currency exchange processing means, Interoperating with a financial server (or terminal) corresponding to the user card (or account) information, and checking whether the exchange amount corresponding to the exchange request information can be withdrawn using the user card (or account); And As a result of the checking, when it is possible to withdraw the exchange amount corresponding to the exchange request information using the user card (or account), withdraw the exchange amount corresponding to the exchange request information using the user card (or account). Currency exchange processing method using the user biometric information, characterized in that further comprises. The method according to claim 12, wherein the step of performing currency exchange processing corresponding to the exchange request information using the read user card (or account) information in the currency exchange processing means, Withdrawing the amount of money corresponding to the exchange request information from the card (or account) in association with a financial server (or terminal) corresponding to the card (or account) information; And The amount of money exchanged in correspondence with the amount of money withdrawn from the card (or account) is deposited into a virtual account (or card) forcibly allocated to the user, or from the account (or card) designated by the user. Currency exchange processing method using the user biometric information, characterized in that further comprises. The method according to claim 12, wherein the step of performing currency exchange processing corresponding to the exchange request information using the read user card (or account) information in the currency exchange processing means, And processing branch accounting and accounting by currency in response to the exchange processing details using the card (or account). The method of claim 12, wherein the exchange request information, Information on the type of currency to be exchanged and the amount of exchange request, information on the user of the exchange request, information on the type of exchange preferential service to be provided when the exchange request is made, and account information of an account to which the amount exchanged in response to the exchange request is transferred; And at least one or more account holder information to which the exchanged amount of money is transferred and financial institution information corresponding to the account to which the exchanged amount is transferred. A recording medium comprising a program for executing the method of claim 12.

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