KR20070070575A - Atm system for providing custom-made ui display - Google Patents

Abstract

An ATM(Automated Teller Machine) system and an ATM for providing a customized UI(User Interface) display are provided to show the customized UI display correspondingly to each customer by searching customer propensity information in a customer propensity database when a card is inserted into the ATM. An ATM for providing a customized UI display is composed of a customer propensity database(28) for storing information about the transaction propensity of customers; a customized UI display database(29) for storing design information designing the customized UI display; a display unit(27) for showing the customized UI display changed for each customer according to the customer propensity information; and a control unit(20) for forming the customized UI display for each customer according to the customer propensity information by controlling each unit.

Description

Financial automation system and financial automation device that provides customer-specific transaction screens {ATM system for providing custom-made UI display}

1 is a screen display example of a conventional automatic teller machine.

Figure 2 is an internal server of the automated teller machine providing a custom UI display in accordance with the present invention.

Figure 3 is an example of the design of the custom UI display design information according to the present invention.

4A, 4B and 5 illustrate a custom UI display according to the present invention.

6 is a view showing a customer propensity database is provided in the financial host server.

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

20: control unit 27: display unit

28: Customer propensity database 29: Custom UI display DB

61: automated teller machine 62: financial host server

The present invention relates to a financial automation system and a financial automation device that provides a different display according to each customer's transaction tendency when the screen of the automatic teller machine is displayed. Characterized by providing a separate transaction screen.

Automated Teller Machines (ATMs) are automated devices that can assist basic financial services, such as deposits or withdrawals, without the need for a bank employee, anytime, anywhere. The automated teller machine (ATM) is generally installed at the mechanization corner of the bank. 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 automated teller machine is an important task in financial institutions such as banks, such as the efficiency and rationalization of personnel.

In the operation method of the automated teller machine, when a card or bankbook is inserted into the teller machine, the teller machine reads the inserted card and displays a financial transaction menu as shown in FIG. However, such a financial transaction menu display method has a problem that all customers are made uniformly. In other words, even if there is a financial transaction mainly used for each customer, it is not efficient to provide a uniform UI display method instead of each user interface (UI) display method in consideration of the main transaction tendency of the customer.

The present invention has been made to solve the above problems, it is an object of the present invention to provide a device for providing a transaction screen for each customer in accordance with the transaction tendency of each customer using the automated teller machine.

In order to achieve the above object, the present invention provides a customer propensity database in which customer propensity information on a trade propensity of a customer is stored, a custom UI display database in which design information for designing the custom UI display is stored, and the customer propensity information are provided according to the customer propensity information. And a display unit for displaying a customized UI display having a different appearance on the screen, and a controller configured to control the respective functional units to configure the customized UI display for each customer according to the customer preference information.

The present invention is a process for reading the card information inserted by the automated teller machine and transmits to the external financial host server. A process in which the financial host server transmits customer tendency information, which is a transaction tendency of a customer having the card information, to the financial teller machine, and the automatic teller machine is displayed on the screen for each customer according to the received customer tendency information. This involves providing a different custom UI display.

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 showing the internal configuration of the automated teller machine according to an embodiment of the present invention.

Referring to FIG. 2, the key input unit 21 is a device 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 includes a plurality of numeric keys and function keys. It is implemented as a keypad 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 a RAM storing an encryption key. Doing.

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

The communication unit 25 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 voucher printing unit 26 is a printing apparatus for printing the financial transaction information on the voucher, and the voucher printing may be performed in various ways such as inkjet printing and laser printing. In the slip, a variety of information such as a transaction card number, a transaction account number, a transaction date, a transaction amount, a transaction point code, a transaction automatic teller code, and the like are printed and provided to the user.

The display unit 27 is a liquid crystal display device such as an LCD. The display unit 27 is a UI (User Interface) display device that displays each financial transaction menu and displays the financial transaction details of the transaction. The conventional display unit has the same uniform UI display to all customers, but the present invention is characterized by a unique customized UI display for each customer.

The memory includes a nonvolatile memory such as a flash memory, a hard disk, and a RAM type memory such as an SRAM or a DRAM that temporarily stores data. The memory stores the financial transaction details (transfer amount, withdrawal amount, deposit amount, transaction date and time) made in each account. In the present invention, in addition to the financial transaction details, the transaction is customized with the customer propensity database 28 storing the transaction propensity of the customer. And a UI display database (29).

The customer propensity database 28 is a database storing financial transaction propensity of customers, and stores information for customer relationship management (CRM). The customer propensity database 28 stores a unique transaction propensity for each customer, such as a transaction mainly used by the customer through the automated teller machine, a mainly used transaction amount unit (main transaction amount unit), a financial instrument of interest, and the like. Table 1 below describes an example of such a customer propensity DB.

TABLE 1

Account Number Name / Resident Number 1st transaction propensity (main transaction item) 2nd transaction propensity (unit of main transaction) Third transaction propensity (interest financial instruments) 12-34566-9 Hong Gil-dong / 520614-1406013 withdraw 10,000 won insurance 21-46664-8 Kim Mal Soon / 820212-2953890 deposit 10,000 won fund 12-34323-2 Kim Chul Soo / 851025-1043583 Transfer One hundred thousand won fund ... ... ... ... ... ... ... ... ... ... ... ... ... ... ...

As shown in [Table 1], each account number stores the name of the account holder, the social security number, and the propensity to trade each account. As shown in [Table 1], Hong Gil-dong, which owns the '12 -34566-9 'account, mainly withdraws transactions using the automated teller machine, and the withdrawal unit is 10,000 won, and there is a lot of interest in insurance products. Able to know. Similarly, Kim Mal-soon, who owns the '21 -46664-8 'account, mainly uses the automated teller machine to trade deposits, and the trading unit is 10,000 won, and he is interested in fund products. As described above, the transaction propensity for each customer of each account is stored as a database.

On the other hand, the customer tendency information stored in the customer tendency database 28 is the contents analyzed by looking at the transaction contents of the customer made for a certain period of time, and this information content is not the information analyzed and stored by the automated teller machine, but is connected to an external communication network. Information received from the financial host server. That is, the customer propensity information stored in the customer propensity database 28 is information transmitted from an external financial host server through a communication network, and is updated from time to time from the financial host server to update the information of the customer propensity database. The external financial host server analyzes the propensity of each customer and transmits the analyzed information to each automated teller machine. It will be apparent that such an analysis can be automatically analyzed by an administrator or an analysis management tool. Therefore, the automated teller machine downloads the pre-generated customer transaction propensity information from the financial host server, stores it in a database, and then uses it.

The custom UI display database 29 is information which designed the item position to display on a display part. For example, as shown in FIG. 3 as the main screen design information, when a customer inserts a card, bank information is displayed at the top of the screen (31), and below, a display transaction item according to a transaction tendency is displayed for each customer. Become 32. For example, as shown in [Table 1], a person named 'Hong Gil Dong' mainly withdraws money through the automated teller machine and is registered in the customer propensity database because he is interested in insurance products. If the transaction is performed using the automated teller machine, according to the custom UI display design of FIG. 3, the withdrawal selection menu 41 is displayed as the main screen as the main screen as shown in FIG. Display 42 at the bottom of the advertisement for the insurance product having a. If, as shown in [Table 1], the deposit transaction is mainly used and 'Kim Mal-soon', who is interested in the fund product, requests a financial transaction, the main screen displays a custom UI display different from the Hong Gil-dong customer screen as shown in FIG. Is performed.

Meanwhile, when the withdrawal menu is selected on the main screen of 'Hong Gil-dong' of FIG. 4A, the next menu withdrawal amount is displayed. Such a display is also possible as a custom UI display as shown in FIG. 4B. In other words, in the case of 'Hong Gil-dong', if the amount of transactions used is 10,000 won, the amount of money on the withdrawal selection icon is displayed as 10,000 won. Since the conventional withdrawal amount selection icon is displayed as 100,000 won uniformly, if you want to withdraw a different amount of money, it was inconvenient to input the withdrawal amount one by one. However, the custom UI display as shown in the present invention, when the amount of money to be traded mainly is 10,000 won, is to display the amount of money selection icon from the beginning as the amount of money as shown in Figure 4b.

The controller 20 is characterized by providing a customized UI display for each customer by controlling the respective functional units by the OS operating system, for this purpose, the UI display configuration is performed according to the propensity of each customer.

On the other hand, in the embodiment of the present invention has described that the customer preference database is provided in the memory in the automated teller machine. However, as another embodiment of the present invention, as shown in Figure 6, the customer preference database 63 is not provided in the automated teller machine 61 is provided in the external financial host server 62 to implement the present invention. have. That is, when the card is inserted into the automated teller machine 61, the automated teller machine reads the card (S64) and transmits the card information to the financial host server 62 (S65). The financial host server 62 receiving the card information queries the customer propensity database 63 in the financial host server and transmits the customer propensity information of the corresponding customer to the automated teller machine 61 (S66). The automated teller machine may provide a customized UI display as shown in FIGS. 4A, 4B, and 5 to the corresponding customer by using the received customer orientation information.

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, withdrawal of the uniform display method in the display of the automated teller machine, provides a variety of display methods according to the customer transaction tendency for each customer to use the automated teller machine more efficiently. It can be effective.

Claims (5)

A customer propensity database that stores customer propensity information about the customers' propensity to trade; A custom UI display database storing design information for designing the custom UI display; A display unit for displaying a customized UI display in which the appearance of the screen varies for each customer according to the customer orientation information; A controller configured to control the respective functional units to configure the customized UI display for each customer according to the customer preference information Financial automated device that provides a transaction screen for each customer. The automatic teller machine of claim 1, wherein the customer orientation information includes a mainly used transaction, a mainly used transaction amount unit (main transaction amount unit), and a financial product of interest. The financial automated device of claim 1, wherein the customer orientation information is provided to the automated teller machine by downloading / updated from an external financial host server connected to a communication network. A process in which the automatic teller machine reads the inserted card information and transmits it to an external financial host server. Transmitting, by the financial host server, customer orientation information, which is a transaction tendency of a customer having the card information, to the automated teller machine; The process of providing a customized UI display in which the automated display device is displayed on the screen for each customer according to the received customer orientation information Financial automation system to provide a customer-specific transaction screen, including. The financial automation system of claim 4, wherein the financial host server comprises a customer propensity database which stores customer propensity information on the transaction propensity of the customers.

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