KR20070074430A - An multi-functional automated teller and system exchanged gift certificate - Google Patents

Abstract

A multi-functional automated teller system capable of exchanging a gift certificate is provided to deposit an amount to a bank account or sell performance tickets corresponding to the exchanged amount by receiving and exchanging the gift certificate according to a predetermined discount rate. A user operation part(210) receives a performance ticket issuance or transfer menu from a user. A card reader(220) recognizes a banking card storing user information. A central processor(280) makes a message from the user information and the information of the received gift certificate, and transmits the message to a communicator(290) communicating with a relay server(410). A bank server(510) determines an approval by checking the received message and transfers the amount calculated according to the discount rate of the gift certificate to the bank account of the recognized banking card if the transfer is selected. If the performance ticket issuance is selected, a ticket agency server(520) provides performance information to make the user select the performance ticket.

Description

An multi-functional automated teller and system exchanged gift certificate}

1 is a block diagram of a multi-function cash deposit and withdrawal system in which gift certificates are exchanged according to an embodiment of the present invention.

2 is an overall flowchart of a multi-function cash deposit and withdrawal system in which gift certificates are exchanged according to an embodiment of the present invention.

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

100: multi-functional cash deposit and withdrawal system in which gift certificates according to the present invention are exchanged

210: user operation unit 220: card recognition unit

230: gift voucher opening 240: recognition unit

250: cash payment unit 260: culture ticket release

270: receipt output unit 280: central processing unit

290: communication unit 300: the Internet

400: VAN company 410: relay server

500: host server 510: bank server

520: ticketing agency server

The present invention relates to a multi-function cash deposit and withdrawal system in which gift certificates are exchanged. More specifically, VAN's relay server, a bank (financial company) server as a host server, and a ticket release agency server are connected to a terminal for cash receipt and withdrawal service. When the user wants to exchange the gift voucher linked with the server-only line, the gift voucher for transferring the amount calculated according to the discount rate of the gift voucher to the bank account or releasing the culture ticket according to the calculated amount of the gift voucher is exchanged. Relates to a multi-functional cash deposit and withdrawal system.

In the past, ATMs (automatic teller machines) and cash dispensers (Cash Dispenser), which are commonly referred to as ATMs, were installed and used in branch offices, convenience stores, and other public places.

As is well known, ATMs and CDs are widely used in the general sense of "cash dispensers," which allow bank customers to handle their business without going to the bank. These ATMs are installed in various places such as bank branches, automated corners, and other public places, and people use the ATMs to provide financial services such as cash withdrawal, bank transfer, balance inquiry, and cash service transactions. It was provided.

On the other hand, a gift certificate is a list of bearer securities listed on the list, and the amount of the gift certificate that can be redeemed with all the goods handled by the issuer within the amount of money stated on the ticket, and the type indicated on the ticket. Gift vouchers, which can be replaced with goods of a quantity, standard, or quality, and service vouchers that can be provided with the listed services, but a gift voucher is often referred to as an amount-value voucher. In addition, various securities will also be described as "gift certificate".

Subsequently, in order to exchange cash vouchers as described above, there is an inconvenient problem in that the issuer or a specialized exchange shop must be visited and exchanged directly.

In addition, in recent years, as the types of gift certificates are more diversified and the quantity is also increased, there are many cases in which gift certificates that are not needed or gifts are not required.

As described above, when the gift certificate is unnecessarily possessed in many cases, it is also often left unused or used as a gift to others because it is difficult to use.

Since the scope of use is determined by gift certificates, most people want to cash out if they have more than they need because they do not need to purchase goods that they do not need.

However, at present, in order to cash the gift certificate, there is an inconvenience of having to go to an exchange store that exchanges the gift certificate professionally and pay it at a large discount rate.

In other words, when people purchase a gift certificate, it is easy to purchase the gift certificate in cash, but it is true that there is always a problem in that it is not always easy to exchange unnecessary gift certificates for cash.

Therefore, as an alternative to overcoming the above-mentioned problems, cash vouchers that handle basic financial transactions in other public places may be used as cultural tickets such as movies, plays, operas, concerts and musicals. There is a demand for the development of a system for providing a complex financial service which enables exchange and transfer of funds to the account of the bank (financial company) of the calculated value of the gift certificate.

SUMMARY OF THE INVENTION An object of the present invention devised to solve the above-mentioned problems is to provide a multifunctional cash dispenser and system for exchanging unnecessary gift certificates, but transferring the amount calculated according to the discount rate of the gift certificates to the bank's own account. have.

It is also an object of the present invention to provide a multi-functional cash deposit and withdrawal system in which gift certificates for exchanging unnecessary gift certificates with culture-related tickets such as movies, plays, operas, concerts and musicals are exchanged.

In order to achieve the above object, the multi-functional cash deposit and withdrawal system in which a gift certificate of the present invention is exchanged is provided, and a user operation unit selectively inputs a menu of a gift certificate inlet into which a gift certificate is inserted, a menu of a culture ticket release or an account transfer, and A card recognition unit for recognizing a financial card in which information about the card is recorded, a counterfeit discrimination unit for checking whether a gift certificate is forged at the gift card inlet, a user's information identified at the card recognition unit, and a gift certificate input to the inlet A central processing unit which prepares and transmits information to a communication unit, a communication unit which transmits / receives the approval result received from the telegraph and relay server created by the central processing unit by wire or wireless communication, and receives and receives the message transmitted from the communication unit. A bank server or ticket that is a host server A relay server which receives the approval result and transmits it to the communication unit when the host server which classifies and transmits it to each agency server and receives the classified message and decides whether to approve or not receives the approval result. If the approval is determined by checking the preamble sent from the relay server, the approval result is transmitted to the relay server. If the approval is determined, the amount is calculated by calculating a discount rate of the amount of the gift certificate described in the preamble, When the bank transfer is selected in the user operation unit, the bank server transfers to the account of the bank server of the card recognized by the card recognition unit, and if the culture ticket release is selected in the user operation unit when the approval is determined, the user receives a culture ticket Tickets providing performance information including performances and show dates A host server including an agency server, and a culture ticket release unit for releasing a culture ticket according to an amount calculated according to an approval result processed by the ticket release agency server when the culture ticket release is selected in the user operation unit, and the culture The ticket release unit may include a cash payment unit for releasing the balance remaining after releasing the cultural ticket in cash and a receipt output unit for printing and outputting the transaction result which is the result of the approval.

The card recognition unit may include recognizing any one of a magnetic card, a smart card, an RF-ID, and an IRDA.

In addition, the counterfeit discriminating unit, the anti-counterfeiting element of the gift certificate is characterized in that the transmission of the laser light, visible light, ultraviolet rays, etc. by analyzing the degree of reflection to discriminate whether or not forgery.

The relay server may classify and transmit the telegram transmitted through the communication unit to the corresponding host server, and the host server receives the determination result after determining whether to approve the received telegram. do.

The host server also includes a bank server and a ticket release agency server.

In addition, the bank server checks and judges the preamble received by the relay server, and if the approval is determined, calculates the discount rate of the amount of the gift certificate described in the received preamble, and recognizes the amount calculated by the card recognition unit. It is characterized in that the account transfer to the bank account of the bank.

In addition, the cultural ticket release unit outputs the performance information transmitted from the ticket release agency server, the user releases the desired cultural ticket according to the approved amount according to the approval of the ticket release agency server. It is done.

The cash dispensing unit includes a banknote counting unit for counting banknotes and a coin counting unit for counting coins.

In addition, the multi-function cash deposit and withdrawal system in which the gift certificate according to the present invention is exchanged, the banknote counter pays the remaining balance after releasing various culture tickets from the culture ticket release unit, but prioritizes 10,000 won, 5000 won and 1000 won Counting and paying to the user, the coin counting unit is characterized in that the payment to the user by counting according to the amount of the balance 500 won, 100 won, 10 won.

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

1 is a block diagram of a multi-functional cash deposit and withdrawal system in which gift certificates are exchanged according to an embodiment of the present invention, and FIG. 2 is a flowchart of a multi-functional cash deposit and withdrawal system in which gift certificates are exchanged according to an embodiment of the present invention.

1 and 2, the multi-function automated teller machine 100 according to the present invention includes a terminal unit 200, the Internet 300, VAN company 400 and the host server 500.

The terminal unit 200 is a user operation unit 210, card recognition unit 220, gift certificate slot 230, recognition unit 240, cash payment unit 250, culture ticket sales unit 260, receipt output unit 270, a central processing unit 280, and a communication unit 290.

The user operation unit 210 is a thin film transistor liquid crystal display (TFT-LCD), a liquid crystal display (LCD), or a CRT (Cathode), which is generally known to guide visually so that a user may receive a desired service. It is preferable to display various menus in the form of a touch screen using at least one of the display means of Ray Tube) and PDP (Plasma display panel), and it is provided to input a user's command according to the menu screen. Visually displays the input contents and the operation state of the terminal unit 200.

In addition, the user manipulation unit 210 displays a number of menus for selecting a service or a password to be provided by the user and a plurality of function menus such as confirmation, cancellation, and termination on the screen, as described above. It is configured to allow a user to select and enter a plurality of function menus.

In addition, the card recognition unit 220 preferably recognizes at least any one of a magnetic card, a smart card, an RF-ID, and an IRDA.

At this time, when the user inserts the financial card possessed by the card recognition unit 220 and reads the card recognition unit 220 recognizes the user code stored in the financial card, the user operation unit 210 A menu screen guiding the user to receive a desired financial service through the screen (not shown) is displayed as the screen (not shown).

On the other hand, the gift certificate slot 230 is a user visually checks the above-described menu displayed on the user operation unit 210 and selects the desired menu, the user puts the gift certificate into the gift certificate slot 230 The gift certificate is sent to the recognition unit 240 to be described later through the gift certificate inlet 230.

On the other hand, the recognition unit 240 includes a counterfeit discrimination unit 240 so as to classify the gift certificates introduced through the gift certificate inlet 230 for each kind, and determine whether the forged gift certificates are forged.

At this time, the counterfeit discriminating unit 240 transmits the anti-counterfeiting element of the gift certificate through laser light, visible light, ultraviolet light, and the like to analyze the degree of reflection to discriminate whether the counterfeit is counterfeit.

That is, the counterfeit discrimination unit 240, for example, is provided to recognize the type and amount of gift certificates, holograms, magnets, chips, watermarking, barcodes, rainbow printing, Fine character, fluorescent ink, magnetic ink, front and back plate alignment, intaglio printing, embossing, latent image, relief print, silver powder printing, metal coating, photovariable ink, partially exposed silver wire, braille, silver, silver foil, intaglio, OVI, copy protection paper By using at least one of laser light, visible light and ultraviolet light through anti-counterfeiting elements such as silver coin, concealed hidden line, fluorescent color, green light silver, sticker paper, securities paper, cash paper, etc. You can determine if a forgery exists by checking.

On the other hand, the central processing unit 280 has a program stored in an internal memory (not shown) to control the overall operation of the terminal unit 200 and the flow of data.

In addition, the central processing unit 280 the user's information identified by the card recognition unit 220 and the user's gift voucher input 230 to the voucher discrimination whether the forgery in the counterfeit discrimination unit 240 is discriminated. It is preferable to prepare a standardized telegram generally used in the financial sector and a chipset programmed to control overall operations of the terminal unit 200. The central processing unit 280 may The written message is transmitted to the communication unit 290 to be described later.

At this time, the communication unit 290 receives the full text written by the central processing unit 280 to the relay server 410 to be described later, it is preferable to transmit and receive using a dedicated line or wired, wireless Internet (300).

In addition, the leased line, wired, or wireless Internet 300 is a well known technology, so a detailed description thereof will be omitted.

On the other hand, the VAN company 400 includes a relay server 410.

Here, the VAN company 400 refers to a value added network (VAN) company 400, for example, a network that provides a communication service plus a value added by renting a communication line from a public telecommunications provider. In addition, additional communication functions include a switching function, a communication processing function, an information processing function, and the like, and a general VAN company 400 which provides a relay service by connecting lines to each other.

That is, the above-described VAN company 400 interconnects the terminal unit 200 and the host server 500, which will be described later. The VAN company 400 receives the full text transmitted from the communication unit 290 of the terminal unit 200, respectively. The host server 500 checks the full text received from the VAN company 400 and transmits the approval to the relay server 410 of the VAN company 400 again. The relay server 410 of the VAN company 400 relays whether the approval transmitted from the host server 500 can be transmitted to the communication unit 290 of the terminal unit 200.

In addition, the relay server 410 of the VAN company 400 receives the full message transmitted from the communication unit 290, but is classified and transmitted to each host server 500 to be described later.

Meanwhile, the host server 500 includes a bank server 510 and the ticket release agency server 520.

That is, when it is necessary to transfer the calculated amount of the specialty gift certificates classified by the relay server 410 to the user's account, the bank server 510 is transmitted, and the specialty gift certificates classified by the relay server 410 are cultured. The full text to be exchanged for a related ticket is transmitted to the ticket release agency server 520.

In this case, the bank server 510 is a corresponding bank server 510 of a card read by the card recognition unit 220.

In this case, the bank server 510 receives the message classified and transmitted by the relay server 410, checks the received message, determines whether the transmitted message is approved, and returns the approval result to the relay server 410 again. To send).

In addition, the bank server 510 checks the transmitted text and then determines whether to approve it. If the contents of the transmitted text require a bank transfer, if there is no problem with the text, the discount rate of the gift certificate is calculated and calculated. After calculating the money transfer to the corresponding bank server 510 of the card read by the card recognition unit 220, the bank transfer, and transmits the authorization result to the relay server 410.

In addition, when the content of the transmitted specialty requires a culture ticket to be released, the ticket release agency server 520 calculates a discount rate of the gift certificate after calculating the amount of money if the specialty is not a problem. The manipulation result is transmitted to the relay server 410 so that a cultural ticket of any one of a selected movie, theater, opera, concert and musical can be released according to the selected menu by operating the user manipulation unit 210.

In addition, the bank server 510 and the ticket release agency server 520, if there is an error in the message transmitted from the relay server 410, of course, the rejection result is also transmitted to the relay server 410.

In addition, the host server 500 receives the approval result after checking the received text message through a dedicated line, a wired or wireless Internet 300, as well as the bank server 510 and the ticket release agency server ( 520 is typically a well known server, but is not limited to such.

Subsequently, the bank server 510 and the ticket release agency server 520 transmit the processed approval result to the relay server 410, and the relay server 410 receives the approval result and then receives it. The approved result is transmitted back to the communication unit 290.

At this time, the communication unit 290 is processed by the bank server 510 and the ticket release agency server 520 and transmits the approval result received through the relay server 410 to the central processing unit 280. .

Meanwhile, the cash dispensing unit 250 includes a banknote counter 252 and a coin counter 254.

The cash payment unit 250 counts cash under the control of the central processing unit 280 to discharge cash to the outside.

At this time, the bill counting unit 252 first counts the bills according to the amount of money desired by the user, the bills are classified into 10000 won, 5000 won and 1000 won bills are first provided to the user, the coin counting unit 254 Is classified into 500 won, 100 won, and 10 won bills and counted according to the balance amount and provided to the user.

That is, when a user wants to exchange a cultural ticket with a gift certificate, the user may exchange it for a cultural ticket according to the calculated and calculated amount according to the discount rate of the gift certificate, and the balance may occur after the exchange of the cultural ticket. With up to 10000 bills so you can get paid up to your balance. It is arranged to count up to 1000 coins.

On the other hand, the cultural ticket release unit 260 outputs the screening date time or various information such as movies, plays, operas, concerts and musicals transmitted from the ticket release agency server 520, the host server 500 Culture-related tickets are released according to the approved amount according to whether the ticket release agency server 520 is approved.

On the other hand, the receipt output unit 270 is to provide the user by printing the transaction history on a paper or the like so that the user can receive the financial service desired by the user as described above, and confirm the transaction history which is the result of the processing described above. Can be.

2 is a general flow diagram of a multi-function cash deposit and withdrawal system in which gift certificates are exchanged according to an embodiment of the present invention.

With reference to FIG. 2, the user will sequentially explain the cash withdrawal, the transfer of the amount of the gift certificate to the account and the exchange of the amount of the gift certificate into the cultural ticket using the multi-function cash deposit and withdrawal system.

First, a detailed description of cash withdrawals is omitted since it is a common well-known technique.

On the other hand, in the case of exchanging a gift certificate to the bank transfer, the user first operates the user operation unit 210 to insert the gift certificate into the gift certificate inlet 230 (step S201).

Then, the user operates the user manipulation unit 210 to select a merchant settlement menu displayed on a screen (not shown) (step S202).

Then, the user reads the card of the financial company to be transferred to the card recognition unit 220 (step S203).

Thereafter, the gift certificate inserted through the gift certificate inlet 230 confirms whether the gift certificate is forged through the counterfeit discriminating unit 240 of the recognition unit 240, and the counterfeit discrimination unit 240 of the injected gift certificate. The counterfeit discrimination element is transmitted through at least one of laser light, visible light, and ultraviolet light to analyze the degree of reflection to discriminate whether or not a counterfeit is detected (step S204).

If it is found in the step S204 whether the gift certificate injected into the counterfeit discrimination unit 240 is forged or not, it is returned to the user through the gift certificate inlet 230 into which the gift certificate is inserted (step S212).

Then, the user can check the transaction history as a result of the processing through the receipt output from the receipt output unit 270 (step S213).

Subsequently, if the forgery of the gift certificate discriminated by the counterfeit discriminating unit 240 is not found, the central processing unit 280 may determine the information of the user recognized by the card recognition unit 220 and the gift certificate input by the user. The information is written in a standardized full text generally used in the financial sector (step S205).

 Then, the full text created by the central processing unit 280 is transmitted to the communication unit 290, the communication unit 290 relays the transmitted message through a dedicated line or wired or wireless Internet communication 300 relay server 410 And the relay server 410 classifies the transmitted telegram and transmits it to the corresponding bank server 510 among the host servers 500 (step S206).

Then, the bank server 510 receives the full message transmitted from the relay server 410 (step S207).

Then, the corresponding bank server 510 checks the received full text to determine whether to approve (step S208).

Next, when the bank server 510 determines that the received full text is correct, the bank server 510 calculates a discount rate of the gift certificate to the corresponding bank server 510 of the user's card read in step S203 and transfers the calculated amount to the corresponding account. After the transfer, the approval result is transmitted to the relay server 410 (step S209).

Next, the relay server 410 receives the approval result transmitted from the bank server 510 and transmits the result of the approval to the central processing unit 280 via the communication unit 290, and the central processing unit 280 is configured to receive the approval result. By controlling the receipt output unit 270, the user can check the transaction history as a result of the processing through the receipt output from the receipt output unit 270 (step S213).

On the other hand, if an abnormality is found in the preamble received in step S208, the bank server 510 transmits the rejection result to the relay server 410 (step S210).

Next, the relay server 410 receives the rejection result sent from the bank server 510 and transmits the rejection result to the communication unit 290 (step S211).

Then, the gift voucher put by the user is returned to the user through the gift voucher opening 230 (step S213).

Then, the user is a transaction result that is a rejection result is transmitted to the central processing unit 280 via the communication unit 290, the central processing unit 280 controls the receipt output unit 270 to the receipt output unit A receipt is output at 270, and the user can check the transaction details of the rejection result through the receipt output from the receipt output unit 270 (step S213).

On the other hand, in the case of exchanging gift certificates for cultural tickets, first, the user operates the user operation unit 210 to inject a gift certificate into the gift certificate inlet 230 (step S201).

Next, the user operates the user manipulation unit 210 to select a ticket release menu displayed on a screen (not shown) (step S202).

Thereafter, the gift certificate inserted through the gift certificate inlet 230 confirms whether the gift certificate is forged through the counterfeit discriminating unit 240 of the recognition unit 240, and the counterfeit discrimination unit 240 of the injected gift certificate. The counterfeit discrimination element is transmitted through at least one of laser light, visible light and ultraviolet light to analyze the degree of reflection to discriminate whether or not forgery (step S214).

If it is found in the step S214 whether the gift certificate injected into the counterfeit discrimination unit 240 is forged or not, it is returned to the user through the gift certificate inlet 230 into which the gift certificate is inserted (step S222).

Then, the user can check the transaction history as a result of the processing through the receipt output from the receipt output unit 270 (step S223).

Subsequently, if the forgery of the gift certificate discriminated by the counterfeit discriminating unit 240 is not found, the central processing unit 280 prepares the gift certificate input by the user as a standardized full text commonly used in financial institutions ( Step S215).

 Then, the full text created by the central processing unit 280 is transmitted to the communication unit 290, and the communication unit 290 transmits the transmitted full text to the relay server 410 through a dedicated line or wired or wireless Internet 300. The relay server 410 classifies the transmitted telegram and transmits the telegram to the ticket release agency server 520 of the host server 500 (step S216).

Next, the ticket release agency server 520 receives the full message transmitted from the relay server 410 (step S217).

Then, the ticket release agency server 520 checks the received message to determine whether to approve (step S218).

Next, when the ticket sales agency server 520 determines that the received full text is intact, the amount calculated according to the discount rate of the gift certificate and the performance and screening date of the film, play, opera, concert and musical, The approval result, which is information of time, is transmitted to the relay server 410, and the relay server 410 transmits the approval result to the communication unit 290, and the communication unit 290 transmits the approval result to the central processing unit. 280, the central processing unit 280 controls the display of the approval result on a screen (not shown) of the user manipulation unit 210, and a user displays a predetermined menu displayed on the screen (not shown). By selecting, the user selects the date and time of performances and screenings of the film, theater, opera, concert, musical, etc., and receives a predetermined number of desired cultural tickets and issues The difference of the amount of the culture ticket is paid through the cash payment unit 250 (step S219).

Then, the user can check the transaction history as a result of the processing through the receipt output from the receipt output unit 270 (step S223).

On the other hand, if an abnormality is found in the preamble received in step S218, the ticket sales agency server 520 transmits the rejection result to the relay server 410 (step S220).

Next, the relay server 410 receives the rejection result sent from the ticket sales agency server 520 and transmits the rejection result to the communication unit 290 (step S221).

Then, the gift voucher put by the user is returned to the user through the gift voucher slot 230 (step S222).

Then, the user is a transaction result that is a rejection result is transmitted to the central processing unit 280 via the communication unit 290, the central processing unit 280 controls the receipt output unit 270, the user The transaction result of the rejection can be confirmed through the receipt output from the receipt output unit 270 (step S223).

The present invention is not limited to the above-described preferred embodiments and can be easily modified by anyone of ordinary skill in the art without departing from the gist of the invention claimed in the claims, Such changes are intended to fall within the scope of the claims.

According to the present invention as described above, it is possible to provide a multi-functional cash machine and system that can exchange unnecessary gift certificates, the amount of money calculated according to the discount rate of the gift certificates can be transferred to the account of the bank.

In addition, according to the present invention, it is possible to provide a multi-functional cash deposit and withdrawal system in which gift certificates for exchanging unnecessary gift certificates with culture-related tickets such as movies, plays, operas, concerts and musicals are exchanged.

Claims (9)

A gift certificate slot into which a gift certificate is inserted; A user operation unit for selectively inputting a menu of cultural ticket release or bank transfer from the user; A card recognition unit for recognizing a financial card in which information about the user is recorded; Counterfeit discrimination unit for checking whether the gift certificate injected at the gift certificate inlet; A central processing unit which prepares the information of the user identified by the card recognition unit and the information of the gift certificate inserted into the slot and transmits the information to the communication unit; A communication unit configured to transmit and receive an authorization result received from the telegram and the relay server created by the central processing unit by wire or wireless communication; The host server receiving the message transmitted from the communication unit and classifying the message into a bank server or a ticket release agency server which is a host server according to the received message, and receiving the classified message and determining whether to approve the message, processes the specialist. A relay server that receives the approval result and transmits the result of the approval to the communication unit; After determining the approval by checking the preamble sent from the relay server, if the approval is determined, the approval result is transmitted to the relay server, and when the approval is determined, the amount is calculated by calculating a discount rate of the amount of the gift certificate described in the preamble. When the bank transfer is selected in the user operation unit, the bank server transfers to the account of the bank server of the card recognized by the card recognition unit, and if the culture ticket release is selected in the user operation unit when the approval is determined, the user receives a culture ticket. A host server including a ticket release agency server providing performance information including a performance and a screening date and time so as to be released; A culture ticket release unit for releasing a culture ticket according to an amount calculated according to an approval result processed by the ticket release agency server when the culture ticket release is selected in the user operation unit; A cash disbursement unit for discharging the balance remaining after releasing the culture ticket through the culture ticket release unit; And A receipt output unit which prints and outputs the transaction result which is the approval result; Multi-function cash deposit and withdrawal system that includes a gift certificate is exchanged. The method of claim 1, wherein the card recognition unit, Multi-function cash deposit and withdrawal system that is exchanged gift certificates, characterized in that any one of the magnetic card, smart card, RF-ID, IRDA. The method of claim 1, wherein the counterfeit discriminating unit, A multi-functional cash deposit and withdrawal system in which gift certificates are exchanged, characterized in that the anti-counterfeiting elements of the gift certificates are transmitted through laser light, visible light, ultraviolet light, and the like to analyze the degree of reflection to discriminate the counterfeit. The method of claim 1, wherein the relay server, The multi-function that the gift certificate is exchanged, characterized in that the message transmitted through the communication unit is classified and transmitted to the corresponding host server, the host server checks the received message to determine whether to approve, and receives the determination result Cash withdrawal system. The method of claim 1, wherein the host server, A multi-functional cash deposit and withdrawal system in which gift certificates including a bank server and a ticket release agency server are exchanged. The method of claim 1, wherein the bank server, After checking the full text received by the relay server and determining the result, if the approval is determined, the discount rate of the amount of the gift certificate described in the received full text is calculated and transferred to the account of the corresponding bank server of the financial card recognized by the card recognition unit. A multi-functional cash deposit and withdrawal system in which gift certificates are exchanged, which is characterized in that the bank transfer is carried out. The method of claim 1, wherein the cultural ticket sales unit, Multi-function cash exchanged gift certificate, characterized in that for outputting the performance information transmitted from the ticket release agency server, the user releases the desired cultural ticket in accordance with the approved amount according to the approval of the ticket release agency server Deposit and Withdrawal System. The method of claim 1, wherein the cash payment unit, A multi-functional cash deposit and withdrawal system in which gift certificates including a bill counting unit for counting bills and a coin counting unit for counting bills are exchanged. The method according to claim 1 or 8, The bill counting unit pays the remaining balance after releasing various culture tickets from the culture ticket selling unit to the user, and counts 10,000 won, 5000 won, and 1,000 won bills first to pay the user, and the coin counter is 500 won and 100 won. Multi-functional cash deposit and withdrawal system, the gift certificate is exchanged, characterized in that the payment to the user by counting 10 won according to the balance amount.

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