KR20070051578A - Method for providing a bank transfer and automatic teller machine for executing the method - Google Patents

Abstract

The present invention relates to a method and system for providing a transfer payment service, and more particularly, to a financial automation device for providing a payment settlement service in connection with a credit card payment terminal. In the transfer payment service providing system according to the present invention, a payment request receiving unit for receiving card reading information and payment request information from a predetermined credit card payment terminal, and transfer request information for transmitting the transfer request information corresponding to the payment payment to a financial server. And a payment confirmation unit for transmitting the transfer approval information receiving unit to receive the transfer approval information from the financial server, and the payment confirmation information corresponding to the transfer approval to the credit card settlement terminal. According to the present invention, by providing a simple transfer payment method through a financial automation device linked with a credit card payment terminal, it is possible to further increase the convenience of the user.

Financial Automation Equipment, Payment, Transfer, Credit Card, Payment Terminal

Description

TECHNICAL FOR PROVIDING A BANK TRANSFER AND AUTOMATIC TELLER MACHINE FOR EXECUTING THE METHOD}

1 is a diagram illustrating a network configuration for a system for providing a transfer payment service according to an embodiment of the present invention.

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

3 is a view for explaining the information transfer procedure on the transfer payment service providing system according to an embodiment of the present invention.

4 is a diagram illustrating an example of information used on a system for providing a payment settlement service according to an embodiment of the present invention.

5 is a diagram illustrating examples of an output screen on a credit card payment terminal according to an embodiment of the present invention.

6 is a flowchart illustrating a method of providing a transfer payment service according to the present invention.

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

201: Payment payment receiver

202: transfer request information transmission unit

203: transfer approval information receiver

204: payment confirmation

The present invention relates to a method and system for providing a transfer payment service, and more particularly, to a financial automation device for providing a convenient payment settlement service to a user by interworking with a credit card payment terminal and a financial server.

With respect to traditional financial transactions that have been carried out by banks in direct contact with the clerks, the emergence of Automatic Teller Machines (ATMs) has revolutionized in many ways. The customer's waiting time has been significantly reduced, and even after the financial institution is closed, the customer can benefit from financial transactions whenever they want. Not only the customers, but also the financial institution's processing time is reduced, and the workforce is reduced due to the reduction of manpower and cost.

Financial automation equipment basically provides many financial tasks performed by financial institutions such as banks and village safes. The user can perform a desired financial transaction in a short time by simply operating a financial automation device installed in the bank without using a bank clerk in account transfer, balance inquiry, deposit withdrawal, and bank account arrangement. These advantages of financial automation devices have led to a rapid increase in the number of customers, installations, and installation sites of financial automation devices, making it easy to find them today.

In addition, it is not only installed in financial institutions such as banks, but also installed in various places such as convenience stores, theaters, and shops, and anyone can use financial automation devices without restriction of place and time. In addition, recently, various functions such as booking tickets for planes, trains, and cultural events such as theaters, plays, and concerts have been added to financial automation devices, which were in charge of financial services such as banks, insurance, and credit cards. Convenience is further maximized.

On the other hand, the user is currently using a cash or credit card as a method for payment in places such as convenience stores, theaters, shops. However, when a user uses cash, there is an inconvenience of having to carry cash, and when using a credit card, it is burdensome to use a credit card when it is a small amount. In addition, the store owner is inconvenient to establish a new credit card payment network for credit card payment.

Recently, a new payment service called 'mobile banking' has appeared to solve this problem. 'Mobile banking' is a service that enables banking services such as bank transfer, balance inquiry and deposit withdrawal through a mobile communication terminal. Therefore, the user can conveniently perform the payment through the payment or account transfer service of the mobile banking after purchasing the goods. However, mobile banking also has its limitations due to the complicated procedures and high wireless Internet usage fees.

Therefore, in the payment method, there is a need for a new payment method that can solve the conventional problems, and as an alternative, if the payment can be carried out by bank transfer using a financial automation device, it is very useful for both users and payers something to do.

Accordingly, the present invention intends to propose a new technology for a financial automation device and system for providing a payment settlement service capable of transfer payment in conjunction with a predetermined credit card payment terminal.

The present invention has been made to improve the prior art as described above, it is an object of the present invention to provide a more various payment methods by adding a transfer payment method of the new payment method.

Another object of the present invention is to make a transfer payment more conveniently by using a financial automation device interworking with a predetermined credit card terminal in a transfer payment method.

Another object of the present invention is to reduce the configuration cost by using a network connected to a financial automation device, without having to configure an additional payment network for payment as in the prior art.

Still another object of the present invention is to minimize a fee required by bank transfer when a user performs a payment.

In order to achieve the above object and to solve the above-mentioned problems of the prior art, the transfer payment service providing system according to an embodiment of the present invention receives the card read information and payment payment request information from a predetermined credit card payment terminal; A payment settlement receiving unit, a transfer request information transmitting unit transmitting transfer request information corresponding to the payment settlement to a financial server, a transfer approval information receiving unit receiving transfer approval information from the financial server, and a payment settlement confirmation corresponding to the transfer approval. Characterized in that it comprises a payment confirmation unit for transmitting information to the credit card payment terminal.

In addition, the method of providing a transfer payment service according to the present invention comprises the steps of: receiving card reading information and payment request information from a predetermined credit card payment terminal, transmitting transfer request information corresponding to the payment payment to a financial server; Receiving the transfer authorization information from the financial server, and transmitting the payment confirmation information corresponding to the transfer authorization to the credit card payment terminal.

The term " financial automated machine " used in the present invention refers to an ATM (Automated Teller Machine), as well as a cash dispenser (CD), a kiosk, a giro receiver, and a bank, insurance. It is broadly interpreted as a concept that includes a series of unmanned automated devices capable of performing financial transactions, such as complex automated devices that provide various financial services such as credit cards.

In addition, in the present specification, the credit card as a financial transaction card, but the credit card is not only a credit card but also a medium that can grasp the user's financial information such as bankbook, cash card, debit card, transportation card, etc. It can be interpreted as including all other payment media.

Hereinafter, a transfer payment service providing system and method according to the present invention will be described in detail with reference to the accompanying drawings.

1 is a diagram illustrating a network configuration for a system for providing a transfer payment service according to an embodiment of the present invention. The network for a transfer payment service providing system according to the present invention includes a financial server 101, a financial automation device 102, and a credit card payment terminal 103. The financial server 101 and the financial automation device 102 may be connected through a predetermined network, and the financial automation device 102 and the credit card payment terminal 103 may be connected by wire or wireless communication.

As an example according to the present invention, the financial server 101 is managed and maintained at a corresponding financial company, and the plurality of financial automation devices 102 are installed in various places such as convenience stores, theaters, and stores to be managed by the financial automation device companies. And maintained. In addition, the credit card payment terminal 103 may be configured to be installed at the checkout counter of the convenience store, theater, shop, and the like. In this way, when the user pays through wire transfer, all processes for payment can be made at the cash register as in the conventional cash payment.

As in the related art, the financial server 101 and the financial automation device 102 are connected through a predetermined network including a payment network, so that a user can transfer funds, balance inquiry, deposit withdrawal, and It is configured to use various financial tasks such as account bookkeeping.

In addition, the financial automation device 102 is connected to a separate credit card payment terminal 103, it is configured to conveniently use the account transfer service through the credit card payment terminal 103.

The conventional payment system using a credit card constitutes a separate payment network, and when a customer with a credit card requests a payment, a service is provided through the payment network. However, according to the present invention, without the need to configure a separate payment network for wire transfer payment, configure a transfer payment service providing system simply and cheaply through a network connected from the financial automation device 102 to the financial server 101 can do.

Since the financial automation device 102 and the credit card payment terminal 103 are connected to each other at a short distance, they may be connected by wire or wirelessly, and may use short-range wireless communication as a wireless access method. That is, the short-range wireless communication module may be mounted on the financial automation device 102 and the credit card payment terminal 103 to transmit and receive information wirelessly at a short distance from each other.

The short-range wireless communication module mounted on the financial automation device 102 and the credit card payment terminal 103, the Infrared Data Association (IrDA) module, the Bluetooth module and the ultra wide band (UWB) ) You can use one module among the modules.

Infrared Data Association (IrDA) is a communication technology that transmits data wirelessly in a short range of communication using infrared rays between visible light and millimeter waves. IrDA uses wireless but long-infrared rays, so it is excellent in safety as there is no error that interferes with each other or malfunctions like other methods.

The Bluetooth module refers to a standard that enables real-time communication in two directions by wirelessly connecting a computer, a mobile communication terminal, and various other electric and electronic devices located in a short distance. Wireless communication connection method is Point to Point or Multi-point, and the maximum range of communication is 10m. The frequency hop design enables devices to communicate even in areas with enormous amounts of electromagnetic disturbances and provides built-in encryption and verification.

Ultra Wide Band (UWB) module is a technology for exchanging data using microwaves, which consumes very little power and has a short transmission distance of about 10m, but has a high transmission speed. I am attracting attention. The UWB signal has a very small power density value by using a wide frequency band, so that even if it is superimposed on a frequency where other communication signals exist, it hardly interferes.

Therefore, the short range wireless communication module that can be used in the transfer payment service providing system according to the present invention can be variously selected in consideration of cost, speed, and use environment among the various short range wireless communication modules.

2 is a block diagram illustrating an internal configuration of a financial automation device according to an embodiment of the present invention. The financial automation device 102 according to the present invention includes a payment settlement receiving unit 201, a transfer request information transmitting unit 202, a transfer approval information receiving unit 203, and a payment confirming unit 204.

The payment settlement receiving unit 201 receives card reading information and payment payment request information from the credit card payment terminal 103. The payment settlement receiving unit 201, which can be connected to the credit card settlement terminal 103, receives payment payment request information for wire transfer payment.

The function of the payment settlement receiving unit 201 is similar to the role of receiving predetermined financial-related identification information and financial transaction request information from a user in a conventional financial automation device. However, according to the present invention, directly receiving the card reading information and the payment request information is the credit card payment terminal 103 located separately from the financial automation device 102. That is, the payment settlement receiving unit 201 receives the card reading information and the payment request information from the external credit card payment terminal 103 through wired or wireless communication.

As another embodiment of receiving the payment request information, when the user does not have any card, the credit card payment terminal 103 may receive the card reading information from the user through other methods. As the card readout information, only the account number and the user identification information of the user are input and transmitted to the financial automation device 102, so that the transfer payment can be performed.

As the user identification information, a password related to a financial transaction may be used. Alternatively, biometric information such as a fingerprint of a user may be used using a biometric method for more thorough user identification. The biometric information of the user includes all information that can identify the user such as fingerprint, retina, iris, blood vessel, face and voice recognition of the user. To this end, the financial automation device according to the present invention may include a scanner, a voice recognition sensor, a camera module, and the like. The payment method using only the user's account number and user identification information does not need to carry a card, thereby further increasing user convenience.

The transfer request information transmitting unit 202 transmits the transfer request information corresponding to the payment settlement to the financial server 101. That is, the transfer request information transmitting unit 202 transmits the transfer request information including the user identification information and the payment request information for the transfer payment to the financial server 101. Therefore, the user can perform a task such as going to a bank with a shop owner and requesting a bank transfer for payment by a simple input at checkout counters such as convenience stores, shops, and theaters.

The transfer approval information receiver 203 receives the transfer approval information from the financial server 101. More specifically, the transfer approval information receiver 203 retrieves the financial information associated with the user from the financial server 101 based on the transfer request information, and transfers the predetermined transfer approval information generated based on the retrieved financial information. Will receive.

The transfer request information transmitting unit 202 and the transfer approval information receiving unit 203 transmit the transfer request information to the financial server 101 and again connect the existing financial automation device and the financial server to receive the transfer approval information. A predetermined network is used. In the case of the conventional credit card payment, since a financial network for a separate credit card payment must be configured, an additional cost for the credit card payment system is high. In addition, since it is difficult to thoroughly authenticate the user, a problem occurs that a third party steals and uses the user's credit card.

However, the transfer payment service providing system according to the present invention can minimize installation costs by using a network connected to a financial automation device installed near a store without configuring a separate payment network. In addition, since the financial company's network and computer network are used, the security of the user can be further thoroughly prepared for thorough preparation for financial accidents.

The payment confirmation unit 204 transmits payment payment confirmation information corresponding to the transfer approval to the credit card payment terminal 103. Similar to the conventional financial automation device that outputs the predetermined financial transaction result information through the display unit after the financial transaction of the user, the payment confirmation unit 204 provides the payment confirmation information through the account transfer. As an example of the present invention, the payment confirmation unit 204 may transmit to the credit card payment terminal 103 using wired or wireless communication without outputting the payment confirmation information through the display unit.

3 is a view for explaining the information transfer procedure on the transfer payment service providing system according to an embodiment of the present invention.

As shown in the figure, the credit card payment terminal 103 transmits the payment request information to the financial automation device 102, the financial automation device 102 transmits the transfer request information to the financial server 101. Thereafter, when the transfer transfer approval is determined and the transfer is made, the transfer authorization information is transmitted from the financial server 101 to the financial automation device 102, and finally from the financial automation device 102 to the credit card payment terminal 103. Payment payment confirmation information will be sent.

Each of the information used on the transfer payment service providing system according to the present invention will be described in detail with reference to FIG. 4.

4 is a diagram illustrating an example of information used on a system for providing a payment settlement service according to an embodiment of the present invention. The information according to the embodiment of the present invention includes card reading information 401, payment request information 402, and payment confirmation information 403.

As shown in the figure, the card reading information 401 includes any one or more of the user's bank name, account holder, and account number. Frequently, financial transaction cards, such as bank accounts, credit cards and debit cards, generally maintain a uniquely identifiable cash card number and, in addition, maintain a magnetic means for storing the cash card number and user identification information. Alternatively, the credit card may store the identification information using an integrated circuit (IC) chip instead of the magnetic means.

Therefore, the card information of the user can be read out through the magnetic means or the IC chip. Card read information 401 includes information that can identify a user in connection with a financial transaction. That is, the bank of the user, the account holder of the user name, and the account number may be included.

In another embodiment, the card reading information 401 may simply store a unique serial number for identifying a user, and store and maintain financial related information of the user in association with the serial number in a database of a financial server. .

The payment request information 402 includes a bank name, an account holder, an account number, a transfer amount, and a password of a customer. The information of the customer included in the payment request information 402 is information of the payee who is the object of which the user intends to perform the transfer payment. As an example, the account information may be a convenience store company, a restaurant owner, a theater owner, or the like. It is preferable to set and use the account information in advance without having to input it every time when performing a transfer payment.

The payment confirmation information 403 includes a transfer date, a transfer amount, user information, and an account information. According to the present invention, after all the transfer payments are completed, the user checks whether the transfer is properly made through the payment settlement confirmation information 403. That is, the payment settlement confirmation information 403 includes information such as simple financial information of the user who performed the transfer, simple financial information of the customer who is the target of transfer, transfer date, and transfer amount.

The payment confirmation information 403 may be output in the form of a predetermined receipt, or alternatively, it may be easily confirmed through a financial transaction history through a financial computer network without a separate receipt.

5 is a diagram illustrating examples of an output screen on a credit card payment terminal according to an embodiment of the present invention.

Reference numeral 501 is an example of a screen for requesting payment by a bank transfer method using a credit card payment terminal. In addition, reference numeral 502 is an example of a screen for outputting the transfer history to the user through the credit card payment terminal after the transfer approval according to the user's transfer payment request.

Hereinafter, a specific embodiment of a transfer payment service providing system according to the present invention will be described with reference to FIG. 5. Suppose a user purchases 8,500 won worth of goods at a convenience store and then pays the above amount through a transfer payment using a bank debit card. First, when the user passes the bank debit card to the clerk at the cashier, the clerk reads out the user's card information through the credit card payment terminal 103. After inputting the payment amount, and receives the password from the user payment payment request information for the transfer payment to the credit card payment terminal 103 is output.

As shown at 501, the credit card settlement terminal 103 outputs a user's bank, account number, account holder, transfer amount, and the like. When the clerk and the user confirm the payment request information and press the transfer request button, the information is transmitted to the financial server 101 via the financial automation device 102. Thereafter, the payment is made in the financial server 101, and the information on the transfer result is received by the credit card payment terminal 103 via the financial automation device 102.

As shown at 502, the payment confirmation information received by the credit card payment terminal 103 includes a transfer date, a transfer amount and details of the transfer. In this embodiment, the user Hong Gil-dong finally transfers 8,500 won to the bank account holder of the Hyosung convenience store to complete the payment.

As described in the above embodiment, as in the conventional credit card payment, the user can complete all payments at the counter without any inconvenience at the cash register. In addition, according to the present invention, it is possible to solve the inconvenience of paying the purchase price by paying a high fee and withdrawing cash from an external financial automation device. Store owners can also be a much more convenient payment method because you can get the money by simply transferring the account to your bank account, eliminating the inconvenience of having to collect and store cash or change back.

6 is a flowchart illustrating a method of providing a transfer payment service according to the present invention.

First, in step 601, the card information of the user is read. That is, in this step, the user's card information is read through a predetermined credit card payment terminal, and the user's transaction bank information and personal information are received for the transfer payment.

By providing the user with a new payment method called transfer payment, the user will be able to select and use an appropriate payment method suitable for the environment from among a variety of payment methods more conventionally.

In step 602, payment card request information is further generated including the amount of money to be paid for the card information and password information input from the user. The payment request information is sent back to the financial automation device linked with the credit card payment terminal.

In step 603, the financial automation device receives the payment request information and transmits it to a predetermined financial server.

In step 604, the approval of the transfer payment requested by the user is determined. In step 604, the financial information associated with the user is searched through the payment request information to use the financial information to determine the approval of the transfer payment.

If the transfer approval is disallowed, step 605 denies the transfer approval and notifies the error. If the transfer approval is not allowed, there is no balance in the user's bank or the financial information of the user or the customer is wrong. In this case, the user may output error information and request re-entry. It may be desirable to re-enter it less than a predetermined number of times for the safety of financial transactions.

If the transfer approval is properly made, the transfer approval information is generated in step 606. In this step, when the transfer approval is made, the transfer is performed according to the payment request information, and the transfer approval information regarding the transfer result is generated and transmitted back to the financial automation device.

In step 607, the transfer approval information is received. In other words, the step of receiving the transfer approval information at the financial automation device first to deliver the transfer approval information to the user.

In step 608, payment settlement confirmation information is transmitted. In this step, the payment confirmation information including the transfer authorization information is transmitted to the credit card payment terminal.

In step 609, the payment confirmation information is finally output through the display unit of the credit card payment terminal. It is also possible to further include a separate printer module for the convenience of the user, and to print a predetermined receipt including the payment confirmation information.

Since the method for providing a transfer payment service through steps 601 to 609 uses a computer network and a payment network of an existing financial automation device, it is much better than a conventional credit card payment service providing method which requires an additional payment network. It is simple and easy to maintain.

In addition, the conventional credit card payment service is difficult to use for small payments, there is a risk that a third party to steal the user's credit card. However, according to the present invention, even a small amount of a few thousand won is possible to transfer payment, and through the financial automation device and the financial server, the financial-related security matters are thoroughly established.

So far, the method for providing a transfer payment service according to the present invention has been described, and the details mentioned in the embodiments of FIGS. 1 to 5 may be applied to the present embodiment as it is, and thus the detailed description thereof will be omitted.

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

In the present invention as described above has been described by the specific embodiments, such as specific components and limited embodiments and drawings, but this is provided to help a more general understanding of the present invention, the present invention is not limited to the above embodiments. For those skilled in the art, various modifications and variations are possible from such description.

Therefore, the spirit of the present invention should not be limited to the described embodiments, and all the things that are equivalent to or equivalent to the claims as well as the following claims will belong to the scope of the present invention. .

According to the present invention, it is possible to provide a user with more various payment methods by adding a transfer payment method among the payment methods.

According to the present invention, in the transfer payment method, the transfer payment can be made more convenient by using a financial automation device interoperating with a predetermined credit card terminal.

According to the present invention, it is possible to reduce costs by using a network connected to a financial automation device without using a financial network for a separate credit card payment as in the related art.

According to the present invention, when the user performs the payment, it is possible to minimize the fee required through the account transfer.

Claims (9)

In the financial automation device for providing a payment settlement service in conjunction with a credit card payment terminal, A payment settlement receiving unit which receives card reading information and payment request information from the credit card payment terminal; A transfer request information transmitter for transmitting transfer request information corresponding to the payment settlement to a financial server; A transfer approval information receiver configured to receive transfer approval information from the financial server; And Payment confirmation unit for transmitting payment confirmation information corresponding to the transfer authorization to the credit card payment terminal Financial automation device comprising a. The method of claim 1, And the card reading information includes user identification information. The method of claim 2, And the user identification information comprises biometric information of a user. The method of claim 1, The transfer request information includes a card identification information, a transfer amount and transfer account information. The method of claim 1, The payment settlement receiver is a financial automation device, characterized in that using a wired communication module or a wireless communication module. The method of claim 5, The wireless communication module is any one of an infrared communication (IrDA: Infrared Data Association) module, Bluetooth (Bluetooth) module and Ultra Wide Band (UWB) module. The method of claim 1, The financial server retrieves financial information associated with the user based on the transfer request information, and generates the transfer approval information based on the retrieved financial information. In the method for providing a payment settlement service using a financial automation device linked to a credit card payment terminal, Receiving card reading information and payment request information from the credit card payment terminal; Transmitting the transfer request information corresponding to the payment settlement to a financial server; Receiving transfer approval information from the financial server; And Transmitting payment confirmation information corresponding to the transfer authorization to the credit card payment terminal; Payment payment service providing method using a financial automation device comprising a. A computer-readable recording medium having recorded thereon a program for executing the method of claim 8.

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