KR20070063721A - Method for financial business by depending on voucher existence - Google Patents

Abstract

A method for processing financial transactions of an ATM(Automated Teller Machine) according to the existence of vouchers is provided to improve convenience for customers by continuing financial transactions according to a request of the customer without issuing the voucher even if the vouchers are not filled, and to let the customers check out the transaction result by displaying the correspondent transaction result. A method for processing financial transactions of an ATM according to the existence of vouchers is composed of steps for sensing whether the vouchers to be printed with the financial transaction are filled or not, when a customer requests financial transactions(S31,S32); displaying a question asking whether to continue the financial transaction without issuing the voucher, if the vouchers are not filled(S35); and finishing the financial transaction if the customer requests to continue the financial transaction without issuing the voucher, and then returning to a standby mode without issuing the voucher(S36,S37,S38).

Description

Method for processing financial transaction of automatic teller machine with or without specification table {Method for financial business by depending on voucher existence}

1 is a perspective view showing the appearance of the automatic teller machine.

Figure 2 is an internal block diagram of the automated teller machine.

3 is a method for operating an automatic teller machine according to the present invention.

* Description of the symbols for the main parts of the drawings *

S31: Receipt of Financial Transaction Request S32: Specification Table

S35: Display of financial transaction performance query without issuance of specification table

S37: Financial Transaction Processing

S38; Display unissued financial transaction history

The present invention relates to a method of operating an automated teller machine that processes a financial transaction according to whether a specification table is provided. More specifically, when a customer requests to proceed with a financial transaction without issuing a specification table, even if the specification table is not provided. The present invention relates to a method of operating an automated teller machine that processes a requested financial transaction.

Automated Teller Machines (ATMs) are typically installed at the bank's mechanized corner. The automated teller machine is configured to automatically perform a transaction such as withdrawal (withdrawal) or deposit (deposit) of cash (paper money) using a medium such as a card or a bank account. The automatic teller machine can be extended even after the closing of the bank window, and may be installed in stores such as department stores and supermarkets, so that the number of installations is expected in the future. In such a background, the efficiency of the operational funds of the deposit and withdrawal device has become an important problem in financial institutions such as banks, such as the efficiency and rationalization of personnel.

Referring to FIG. 1, the withdrawal method of the automated teller machine will be briefly described. A person who wishes to withdraw using the automated teller machine (initiator) has put his or her bankbook or card into the bankbook inserting slot 11 or the card inserting slot 10. After that, the password and withdrawal amount are input to the key input unit 13. After receiving the password and the withdrawal amount, the automatic teller machine requests authentication from the financial server of the financial institution through the network and discharges the bill of the withdrawal amount through the bank note withdrawal unit 12 when the authentication is successful. Along with this, the financial transaction details such as the bill withdrawal details and balances are printed on the specification table and discharged through the specification table output port 14.

Similarly, in the case of depositing banknotes using the automatic teller machine, when a bankbook or a card is inserted into the bankbook insertion slot 11 or the card insertion slot 10 and the predetermined banknote is deposited in the banknote entry / exit unit 12, The deposit processing is completed and the deposit details are printed on the specification table and discharged through the specification table output port 14.

In the automatic teller machine as described above, the deposit and withdrawal transaction details are printed on the specification table and provided to the depositor / withdrawer. Therefore, inside the automated teller machine, there should always be sufficient specification table to record the deposit and withdrawal details. If the automated teller machine runs out of the prepared statement, the automated teller machine stops deposit and withdrawal financial transactions and does not perform any further financial affairs. By the way, if the specification table runs out as described above and cannot issue the specification table, if the processing of the financial business of the automated teller machine is stopped, there is a problem incurring unnecessary inconvenience to the customer. In particular, if the customer wants to withdraw urgently using the automated teller machine, if the automated teller machine rejects the withdrawal business simply because there is no specification table to print the withdrawal history, there was a problem that the customer's request could not be properly performed.

The present invention has been made to solve the above problems, it is an object of the present invention to present a method that can continue to process the financial business even when the specification table of the automated teller machine is exhausted.

In order to achieve the above object, the present invention provides a method of sensing whether a financial statement is provided with a specification table to be printed when a predetermined financial transaction request is made from a customer, and, if the specification table is not provided, without issuing a specification table. And a process of displaying whether or not to continue the financial transaction work, and when the customer requests to continue the financial transaction work without issuing the specification table, completes the requested financial transaction work and returns to the standby mode without issuing the specification table. . In addition, the present invention is characterized in that when the customer requests not to proceed with the financial transaction without issuing the specification table, it ends without proceeding with the financial transaction. In addition, when the customer requests to continue the financial transaction business without issuing the specification table, the requested financial transaction is completed, and the financial transaction details are displayed on the display window of the automatic teller machine without issuing the specification table.

Hereinafter, the detailed description of the preferred embodiments of the present invention will be described with reference to the accompanying drawings. In the following description of the reference numerals to the components of the drawings it should be noted that the same reference numerals as possible even if displayed on different drawings. In addition, in describing the present invention, when 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. In addition, terms to be described below are terms defined in consideration of functions in the present invention, which may vary according to general practices of those belonging to the technical field of the present invention, and the definitions should be made based on the contents throughout the present specification.

2 is a diagram illustrating an internal configuration block of an automatic teller machine according to an embodiment of the present invention.

Referring to FIG. 2, the key input unit 21 is a user interface (UI) for receiving financial transaction information such as a password, a financial account number, a deposit amount, and a withdrawal amount from a user who uses the automated teller machine. And a keypad consisting of function keys or a touch input panel of a touch screen type. The automated teller machine receives financial transaction information such as a password and a financial account number through the key input unit.

The bankbook / card detector 22 detects a bankbook or a card that is input to the automated teller machine and detects the information of the bankbook / card (eg, account number, expiration date, card number, etc.). The sensing is detected by reading a magnetic component attached to a bankbook or a card. In addition to the magnetic component sensing method, the sensing may be implemented by an RF sensing method.

The security device 23 is an encryption device for encrypting data input through a key input unit. As such a security device unit, an encryption pin pad module adopting a Data Encryption Standard (DES) algorithm is widely used. The DES pin pad module is a module for processing encryption or key processing of a user's password, and includes a number button for inputting a password, a plurality of menu buttons for performing various functions, and an SRAM storing an encryption key. Doing. The DES pin pad module includes a bus type mounted in an input / output slot of a system, a serial type connected to a communication port of a system, and an EPP type integrated in a pin pad for password input.

The banknote withdrawal section 24 is a place where the banknotes to be traded are deposited or withdrawn, and has a structure having a banknote stack section and a shutter on which the banknotes are placed. When the deposit or withdrawal is made, a predetermined bill is placed on the bill stack unit with the shutter open. The banknote stack unit has a banknote sensor to check the state of the banknotes to inform the controller. It will be apparent that the bill detection sensor may be implemented in various ways, such as an infrared sensor for sensing bills and a sensor for sensing the change in weight of the bill stack.

The memory 25 is composed of a nonvolatile memory such as a hard disk and a flash memory, and a RAM type memory such as SRAM and DRAM that temporarily stores data. Transaction history is saved. The financial transaction details are various financial transactions such as transaction account, transaction card, deposit amount, withdrawal amount, password, trader's personal information. The memory may be implemented as an internal memory fixedly mounted in the automated teller machine, but in some cases CF card (Compact Flash Card), SD card (Secure Digital Card), SM card (Smart Media Card), MMC card (Multi It may be implemented as an external memory capable of inputting / outputting information such as a media card or a memory stick.

The communication unit 26 is an interface for communicating with a financial server of a financial institution, and includes a local area network (LAN), a metropolitan area network (MAN), a wide area network (WAN), and the like. It performs an interface with a packet switched data network (PSDN). In some cases, a wireless communication method such as a wireless LAN may be used.

The statement table printing unit 27 is a printing device that prints the transaction information on the slip, and the slip printing may be performed in various ways such as inkjet printing and laser printing. In the slip, various financial transaction details, such as a transaction card number, a transaction account number, a transaction date, a transaction amount, a transaction point code, and a transaction automatic teller code, are printed and provided to the user.

With the specification table 29 is where the specification table before the financial transaction details are printed, the specification table stored in the specification table is transferred to the specification table printing unit and the financial transaction details are printed.

The specification table remaining amount sensor 28 is a means for detecting the presence or absence of the specification table prepared in the specification table. The specification table residual sensor 28 may detect the existence of the specification table by using an infrared transmission method.

The display unit 30 is a liquid crystal device such as an LCD, and performs a function of displaying the financial transaction details. In particular, when the automatic teller machine is not provided with the specification table, the content of asking the customer whether to perform the financial transaction without issuing the specification table is displayed.

The control unit 20 controls each of the functional units with an OS operating system to perform financial transaction processing. If the controller does not have a specification table, the controller asks the customer whether to perform the financial transaction without issuing the specification table, and has an algorithm for continuing the financial transaction only when the customer responds thereto. It is explained with the flowchart of.

3 is a flowchart illustrating an operation process of the automated teller machine that processes a financial transaction without issuing a specification table according to the present invention.

First, the person who wants to deposit / withdraw (the depositor) makes a financial transaction request by inserting a card or a bankbook, and upon receipt of the request (S31), the automatic teller machine has a specification table to print and issue the financial transaction details. It is determined whether or not provided in the box (S32). If a detailed table to be issued is provided, the financial transaction is processed according to the request of the depositor (S33), and the detailed statement printed on the transaction details is issued (S34) and provided to the depositor.

As a result of determination (S32), if there is no specification table provided, it is displayed (S35) whether to continue the financial transaction without issuing the specification table. It waits for the selection of the depositor and determines whether to continue the financial transaction (S36). In other words, if the depositor chooses not to proceed with the financial transaction without issuing the statement of specification, the financial transaction task ends and returns to the standby mode. On the other hand, if the depositor chooses to proceed with the financial transaction without issuing a statement, the bank will continue to process financial transactions such as deposits, withdrawals and transfers according to the request of the depositor (S37) and complete the transaction details without issuing a separate statement. Is displayed on the display unit (S38) so that the deposit and withdrawal can be seen. As a result, by having the above algorithm, even if the specification table to be issued is not prepared, the financial transaction is continuously processed according to the customer's request, and the financial transaction details are displayed on the display unit without issuing the specification table.

In the foregoing description of the present invention, specific embodiments have been described, but various modifications may be made without departing from the scope of the present invention. Therefore, the scope of the present invention is not to be determined by the embodiments described above, but will be apparent in the claims as well as equivalent scope.

As described above, the present invention enables the financial transaction processing without issuing the specification table according to the customer's request even when the automatic teller machine is not provided, thereby improving the usability of the customer. In addition, even when the financial transaction processing is performed without issuing the specification table because the specification table is not provided, the financial transaction details are displayed, thereby enabling the customer to check the financial transaction details.

Claims (4)

A first process of sensing whether a detailed table for printing the financial transaction details is provided when a predetermined financial transaction request is made from a customer; A second process of displaying whether to continue the financial transaction business without issuing the specification table when the specification table is not provided; When the customer requests to continue the financial transaction business without issuing the statement of the transaction, the third process of completing the requested financial transaction and returning to the standby mode without issuing the statement of the statement Financial transaction processing method of the automated teller machine according to whether the specification table provided with. The method according to claim 1, wherein if it is determined that the specification table is provided in the second process, the specification table is characterized in that after the processing of the requested financial transaction is normally performed, the specification table is issued to terminate the requested financial transaction and return to the standby mode. Financial transaction processing method according to the automatic teller machine. The method according to claim 1, wherein if the customer requests not to proceed with the financial transaction without issuing the specification table, the financial transaction processing method of the automated teller machine according to whether the customer has a specification table is terminated. The financial transaction processing according to claim 1, wherein the financial transaction is completed according to claim 3, wherein the financial transaction is completed in the third process and the financial transaction details are displayed on the display window of the automatic teller machine without issuing the specification table. Way.

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