KR20070027989A - The balance display method except service charge in atm - Google Patents

Abstract

A method for displaying the balance except for service charge in an ATM(Automated Teller Machine) is provided to let a customer continue transaction within the balance limit by displaying the balance except for service charge by a screen or voice after the customer inputs the drawing or transfer sum of money. A method for drawing and transferring money of an ATM is composed of steps of: authenticating a user by recognizing a bankbook or a card(S100); inputting the sum of money to be drawn or transferred(S200); displaying the drawing and transferable sum except for the service charge from an account of the bankbook and the card(S400); displaying the drawing sum and the state that drawing of the money is possible or not by connecting the account of the same person of the same bank or other banks if the sum of money is lack in drawing or transferring the money(S800); and continuing to draw or transfer the money if drawing and transferring are possible(S900).

Description

The balance display method except service charge in ATM}

1 is a flowchart illustrating a method of inputting a fee externally in a service using method of a conventional automatic teller machine.

2 is a flowchart illustrating a method of displaying an amount excluding a fee in a service using method of the automatic teller machine of the present invention and using the service in connection with another account when the balance is insufficient.

3 is a diagram illustrating a system for performing financial transactions by connecting to a bank and other banks through a network from the automated teller machine.

* Explanation of symbols for the main parts of the drawings

10: automated financial equipment (ATM) 20: network

30: Bank Bank 40: Financial Services Agency

50: other banks

The present invention relates to a method for displaying a balance except a fee among the service usage methods of an automated teller machine, and more particularly, by displaying on the screen the amount withdrawable and transferable except for the fee at the time of cash withdrawal and account transfer, Withdrawals or transfers can be made within the amount that can be withdrawn and transferred except for fees. If the amount excluding fees is less than the amount to be withdrawn or transferred, the amount that is insufficient can be withdrawn or transferred in connection with other accounts.

Hereinafter, with reference to the accompanying drawings will be described a conventional method for using the automated teller machine services.

1 is a flowchart illustrating a method of inputting a fee externally in a service using method of a conventional automatic teller machine.

First, when the customer makes a passbook or card to be recognized by the automated teller machine and requests a withdrawal (s10), the automated teller machine receives a password and requests confirmation from the bank (s20). When the customer inputs an amount to be withdrawn into the terminal (s30), the terminal displays a fee for the screen and allows the customer to select an amount corresponding to the fee from an external deposit or bank account withdrawal (s40). The customer who chooses to withdraw the bank account will charge the bank with the fee added to the withdrawal amount (s50), but the customer who selects the external bank deposits the amount corresponding to the fee into the cash deposit system installed in the automated teller machine. (s60). In this way, when the fee is deposited, the deposit of the fee is confirmed in the automatic teller machine (s70), and the bank system sends a certificate that the deposit of the fee is confirmed (s80).

When the problem of fee payment is resolved, the request for approval of the withdrawal amount is requested in steps s50 and s80, and withdrawal is made when the approval is made in step s90 (s90).

For example, when a customer who has a balance of 100,000 won in the account wants to find 100,000 won as a withdrawal amount, the customer enters 100,000 won as the withdrawal amount and the cash card is recognized by the automated teller machine. In this case, if the fee for withdrawing up to 100,000 won is 1,000 won, the customer can withdraw and transfer only within 999,000 won excluding the fee. In this case, when the customer deposits 1,000 won in a cash deposit device installed in the automated teller machine and receives a fee deposit confirmation and authentication from the bank, the customer may withdraw the total amount of 100,000 won. However, if the customer does not have any cash at all, the withdrawal is only 999,000 won except the 1,000 won fee from the 100,000 won amount to be withdrawn.

In the conventional method as described above, when a user selects a withdrawal amount or a transfer amount and attempts to carry out a withdrawal or transfer process, if the balance except for the fee is less than the withdrawal amount or the transfer amount, financial automation is performed by the amount corresponding to the fee. Cash can be entered into the device to withdraw or transfer the desired amount.

However, if the customer does not have cash, and the amount to withdraw and transfer due to the fee is insufficient, withdraw and transfer the desired amount. In this case, starting from the bankbook or card recognition step, the withdrawal or transfer must be made by inputting an amount withdrawable or transferable within the amount excluding the fee. That is, it can only be withdrawn or transferred within the amount excluding the fee.

The present invention has been proposed to solve the above problems, when the user wants to withdraw or transfer in an automated cash dispenser, such as a automated teller machine, it is possible to withdraw the user by displaying the withdrawable or transferable balance excluding fees Or withdrawal or transfer within the limit of transfer, and withdrawal or transfer is impossible due to insufficient balance due to the fee, so that the account or card can be recognized again in an automated cash dispenser such as the automated teller machine and approved We tried to eliminate the inconvenience of having to re-enter the amount of withdrawal and transfer except for the fee.

In addition, when the amount to be withdrawn due to the fee is insufficient, in connection with the same person account of the same bank or another bank, it is possible to automatically debit the amount that is insufficient from the amount to withdraw or transfer due to the fee. The amount to make it tradeable.

The present invention relates to a method for withdrawing and transferring a automatic teller machine, comprising: a step 1 in which a bank account or a card is recognized and user authentication is performed; Step 2 for inputting an amount to be withdrawn or transferred; A step 3 in which a withdrawal and transferable amount excluding a fee is displayed from an account of a bank account and a card; Step 4 for displaying the withdrawal amount and availability in connection with the same person's account of the same bank and another bank, when the amount is insufficient when withdrawing and transferring money; Withdrawal and transfer is possible, withdrawal or transfer is a five-step process of withdrawal and transfer, characterized in that consisting of;

In addition, if the withdrawal and transfer is not possible, the withdrawal and transfer method of the automated teller machine, characterized in that it further comprises a six-step notification of the withdrawal and transfer is impossible.

In addition, the fourth step may include a fourth step of displaying a screen for selecting another bank when the bank is linked to the same account of another bank; Accessing another bank and performing user authentication in step 4-2; Steps 4-3 to display the amount of withdrawals and transfers by querying the same person account of another bank; Withdrawal and transfer method of the automated teller machine, characterized in that consisting of; 4-4 to display whether withdrawal and transfer is possible, compared to the input amount to withdraw or transfer.

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

2 is a flowchart showing a method of displaying an amount excluding a fee of the automatic teller machine of the present invention and using the service in connection with another account when the balance is insufficient.

When the user's bankbook or card is recognized and user approval is made (s100), the amount to be withdrawn or transferred is input (s200) and the fee for the amount is calculated (s300). The balance excluding the fee is then displayed on the screen or in a voice or other manner (s400), and the balance excluding the fee is compared with the amount to be withdrawn and transferred by the customer (s500). If less, it is determined whether to withdraw or transfer within the balance limit (s600), and if you want to execute withdrawal or transfer, enter the withdrawal or transfer amount (s700) to proceed withdrawal or transfer (s1000), otherwise The balance of the other account may be inquired in connection with another account held by the customer of a bank and another bank (s800). If the withdrawal and transfer of the other account is possible, withdraw the desired amount or execute automatic debit to the first account (s900). Subsequently, withdraw the remaining amount from the first account or combine the amount transferred from another account to proceed with the transaction of the amount to be withdrawn or transferred initially (s1000). If the balance is not insufficient at step s500, the process may immediately proceed to step s1000 to withdraw or transfer money.

3 is a diagram illustrating a system for performing financial transactions by connecting to a bank and other banks through a network from the automated teller machine. From the automated teller machine 10, the bank 30 is connected to the bank 30 through a network 20 such as a PSTN or a dedicated line (E1 / T1 / xDSL). Sending the approval and transaction message to the bank 30, the transaction bank 30 accepts the transaction according to the customer's transaction request to start the financial transaction. In addition, if the customer applies for his or her account and financial transaction of the other bank 50 at the time of the transaction, the trading bank 30 is connected to the server of the other bank 50 through the server of the financial settlement agency 40. Therefore, at this time, when receiving the transaction approval of the other bank (50), after paying the fee, the same as the bank 30 can withdraw and transfer financial transactions.

For example, when a customer who has a balance of 100,000 won in the account wants to find 100,000 won as a withdrawal amount, the customer requests a bank account or a cash card to be recognized by the automated teller machine and requests user authentication. The user request is connected to the host of the bank through the network and receives user approval. If the user approval from the host of the trading bank falls, the customer enters 100,000 won as the withdrawal amount. In this case, if the fee for withdrawing up to 100,000 won is 1,000 won, in the conventional method, the customer was able to withdraw and transfer only 999,000 won excluding the fee. In addition, if you want to withdraw money within the above 999,000 won except for the fee, you must recognize the account or card in the automatic teller machine and get the user's approval from the bank, and enter the amount again within the limit of 999,000 won except the fee 1,000. .

However, in the present invention, if the amount to be withdrawn is entered, the balance except the fee for the withdrawal amount is displayed on the screen or by voice or other means, so that the customer can know the amount that can be withdrawn in advance. Or you can decide whether to proceed with the transaction in conjunction with another account.

In the above example, if you want to withdraw within the balance limit excluding fees, you can withdraw money by entering the amount within the limit of 999,000 won without the procedures of re-recognition and re-authentication of the bank account or card. If the user wants to withdraw or transfer money in connection with another account, the user checks the balance of the other account in connection with the other account held in the trading bank, and if the balance remains, withdraw the money within the balance of the other account. Financial transactions of transfers can be made. If the balance of the other account of the bank is insufficient, as shown in FIG. 3, the server is connected to the server of another bank through the server of the Korea Financial Clearinghouse through the network to search the other accounts of other banks and perform financial transactions. Connected to the server of another bank through the bank, and check the balance of the other account in connection with the account of the customer of the other bank, and withdraw the amount of 1,000 won directly from the other account, or automatically transfer to the account currently in use You can withdraw the amount of 100,000 won to withdraw money.

In the present invention as described above, in the method of withdrawal and transfer of the automatic teller machine, after the withdrawal or transfer amount is input, the balance except the fee for the amount is displayed on the screen or by voice or other method so that the customer is within the balance limit in advance. In order to be able to proceed with the transaction, the transaction was not possible because of the fee, so as to avoid the inconvenience of repeating all the transaction procedures again.

In addition, if the balance excluding fees is less than the amount to be traded, it is possible to withdraw and transfer in connection with other accounts of the same person of the same bank or another bank, so as to reduce the inconvenience of customers who have to deal with multiple times.

Claims (3)

In the method of withdrawing and transferring the automatic teller machine, A step 1 in which a bank account or a card is recognized and user authentication is performed; Step 2 for inputting an amount to be withdrawn or transferred; A step 3 in which a withdrawal and transferable amount excluding a fee is displayed from an account of a bank account and a card; Step 4 for displaying the withdrawal amount and availability in connection with the same person's account of the same bank and another bank, when the amount is insufficient when withdrawing and transferring; If withdrawal and transfer are possible, step 5 withdrawal or transfer is in progress; Withdrawal and transfer method of the automated teller machine, characterized in that consisting of. The method according to claim 1, wherein if withdrawal and transfer are not possible, the six steps of notifying that withdrawal and transfer are impossible and ending the transaction Withdrawal and transfer method of the automated teller machine, further comprising a. The method of claim 1, wherein the fourth step Step 4-1 of displaying a screen for selecting another bank when the bank is linked to the same person account of another bank; Accessing another bank and performing user authentication in step 4-2; Steps 4-3 to display the amount of withdrawals and transfers by querying the same person account of another bank; A fourth step of displaying whether withdrawal and transfer are possible, compared with the input amount of withdrawal or transfer; Withdrawal and transfer method of the automated teller machine, characterized in that consisting of.

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