KR20070092472A - Method for providing the service of stock trading using an automatic teller machine and an automatic teller machine for executing the method - Google Patents

Abstract

A method for providing a stock trading service using an ATM and the ATM thereof are provided conveniently to offer real-time stock information by providing current stock price information in the ATM, and offer convenience to a stock trading user by performing the stock trading service in the ATM linked with a bank server and a securities company server. A banking tool receiver(301) reads user information from a banking tool by receiving the banking tool from the user. A stock trading request information receiver(302) receives stock trading request information from the user. A stock trading request message generator(303) generates a stock trading request message based on the user information and the stick trading request information. A stock trading request message transmitter(304) transmits the stock trading request message to the bank or securities server. The bank and securities server transfers a stock trading amount according to the stock trading request message. A stock trading process information receiver(305) receives transfer result information from the bank server and receives stock trading result information from the securities server.

Description

TECHNICAL FOR PROVIDING THE SERVICE OF STOCK TRADING USING AN AUTOMATIC TELLER MACHINE AND AN AUTOMATIC TELLER MACHINE FOR EXECUTING THE METHOD}

1 illustrates a general structure of a financial automation device.

2 is a diagram illustrating a network configuration for providing a stock trading service through a financial automation device according to an embodiment of the present invention.

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

4 is a diagram illustrating an example of an information transmission process for providing a stock trading service through a financial automation device according to an embodiment of the present invention.

5 is a diagram illustrating an example of a GUI screen for performing a stock transaction using a financial automation device according to an embodiment of the present invention.

6 is a flowchart illustrating a method of providing a stock trading service using a financial automation device.

<Explanation of symbols for main parts of the drawings>

301: financial transaction input unit

302: Stock transaction request information input unit

303: Stock transaction request message generation unit

304: Stock transaction request message transmission unit

305: Stock transaction processing information receiving unit

306: Stock quote information output unit

The present invention relates to a method for providing a stock trading service using a financial automation device and a financial automation device for performing the method. More particularly, the present invention relates to a stock trading service using a financial automation device. And providing the stock quote information and performing the transfer of funds between the securities company server and the bank server based on user information and stock transaction request information input by the user, and performing the method. To a financial automation device.

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 waiting time of the user is significantly reduced, and even after the work of the financial institution, the user can enjoy the benefit of being able to perform financial transactions whenever they want. Not only users, but also financial institutions, processing time for financial services is reduced, and work efficiency is reduced due to a reduction in manpower and costs.

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 going through a bank clerk, for account transfer, balance inquiry, deposit withdrawal, and bankbook arrangement. These advantages of financial automation devices have led to a dramatic increase in the number of customers, installations, and installation locations of financial automation devices, making it easy to find them today.

In addition, in recent years, with the development of various resources such as the user interface of financial automation equipment, communication devices, and memory means, in addition to the conventional functions of simply performing financial services, tickets, tickets, theaters, plays, etc. It also maximizes user's convenience by adding various functions such as ticketing for concerts.

Meanwhile, stock trading is becoming increasingly important as a means of raising capital for companies and as a new source of revenue for ordinary investors. In general, as a method of trading stocks, there is a method of directly writing an order form offline, a method of trading via telephone, and a method of trading online. In particular, online transactions are increasing in number due to ease of use and speed.

Representative methods of such online stock trading include a method in which a user connects to the Internet using a personal computer or a mobile communication terminal to perform securities trading. However, such a method may cause a financial accident because the security of a personal computer or a mobile communication terminal is vulnerable, and the user has to pay additional communication fees in order to access the Internet. In addition, the stock trading using the mobile terminal can easily perform financial transactions while the user is on the go, but the user must possess the mobile terminal, and the stock trading is smoothly due to limited resources such as a small user screen or insufficient memory. Hard to lose

Therefore, in order to overcome these conventional problems, it is installed in various places, which can be easily used by the user, easily connects with various financial institutions, and uses a financial automation device that is well equipped with a security device for performing financial transactions. Providing stock trading services could be a more efficient way to trade stocks.

Accordingly, the present invention provides a stock quote information to the user by using a financial automation device that can interoperate with the securities company server and the bank server, and at the request of the user through the financial transaction between the securities company server and the bank server A new technique related to a method for enabling a service and a financial automation device for performing the method is proposed.

The present invention has been made to improve the prior art as described above, by providing the stock quote information by using a financial automation device installed in various places, it is to provide real-time stock information to the user more conveniently.

Another object of the present invention is to further enhance the convenience of a stock trading user by performing a stock trading service using a financial automation device that can interoperate with a bank server and a securities company server.

Still another object of the present invention is to add a new additional service called a stock trading service to a financial automation device, thereby maximizing the utility of the financial automation device.

Still another object of the present invention is to interwork a bank server and a securities company server so that payment of a transaction amount according to a user's stock transaction is made easier.

In order to achieve the above object and to solve the above-described problems of the prior art, a financial automation device providing a stock trading service in conjunction with a securities company server and a bank server according to an embodiment of the present invention provides a financial transaction means from a user. A financial transaction means input unit that receives input and reads user information from the financial transaction means, a stock transaction request information input unit that receives stock transaction request information from the user, and based on the user information and the stock transaction request information, And a stock transaction request message generator for generating a request message, and a stock transaction request message transmitter for transmitting the stock transaction request message to the securities company server or the bank server.

In addition, a method for providing a stock trading service using a financial automation device according to an embodiment of the present invention includes receiving a financial transaction means from a user, reading user information from the financial transaction means, and stock transaction request information from the user. Receiving an input, generating a stock trading request message based on the user information and the stock trading request information, and transmitting the stock trading request message to the securities company server or the bank server. It is done.

Hereinafter, a method for providing a stock trading service using a financial automation device and a financial automation device for performing the method will be described in detail with reference to the accompanying drawings.

The term "financial automation device" used in the present invention is not only an ATM (Automated Teller Machine), but also a cash dispenser (CD: cash dispenser) capable of cash withdrawal, various banking, insurance, credit card, etc. It is broadly interpreted as a concept that includes a series of unmanned automated devices such as a kiosk that includes a complex automated device that provides a service and provides various additional services such as utility billing, ticket issuance, and point accumulation. .

1 is a diagram showing a general structure of such a financial automation device. Reference numeral 101 is an operation terminal that receives a menu selection and operation for a financial transaction from a user, and the operation terminal provides various financial services or additional services to the user through a GUI screen. Reference numeral 102 denotes an entry / exit part of banknotes for counting and storing banknotes, and reference numeral 103 denotes an bankbook portion for reading a bankbook and performing bankbook rearranging. Reference numeral 104 is a card reader that reads a card according to a user's financial transaction card input and performs card related tasks. The card reader 104 may read not only a financial transaction card but also an earning card or ID card for other tasks. In addition, the financial automation device further includes a communication unit for accessing the financial automation server, a control unit for controlling the operation of the financial automation device, a memory unit for storing various data, and a printing module for outputting a bankbook or a statement table.

2 is a diagram illustrating a network configuration for providing a stock trading service through a financial automation device according to an embodiment of the present invention. As shown in the figure, a network for providing a stock trading service through a financial automation device includes a financial automation device 201, a financial automation server 202, a bank server 203, and a securities company server 204. .

The financial automation device 201 is installed in various places such as banks as well as convenience stores, department stores, theaters, and roads, so that the user can easily use the stock trading service without restriction of place or time. To provide. For example, the financial automation device 201 may include a predetermined stock trading program provided by a securities company or a self-produced stock trading program and a browser capable of executing the same, and operate various input / output functions related to stock trading. Meanwhile, the financial automation device 201 according to the present invention provides a stock quote or news related to securities to a user in real time by using a predetermined output means.

The financial automation server 202 is connected to a plurality of financial automation devices 201 and is an integrated server that manages and maintains the financial automation device 201 integrally. For example, the financial automation server 202 may include an ATM comprehensive management system (ATM). It can mean a server. In addition, the financial automation server 202 and the plurality of financial automation devices 201 are connected through a predetermined communication network, which includes an integrated services digital network (ISDN), an asymmetric digital subscriber line (ADSL), and a local area network (LAN). ), Ethernet, TCP / IP based communication network, or optical communication network.

The financial automation server 202 connects to the bank server 203 and the securities company server 204 at the request of the financial automation device 201 to perform various stock trading service tasks. In another example according to the present invention, the financial automation server 202 may be omitted, and the financial automation device 201 may directly perform interworking with the bank server 203 and the securities company server 204 to perform a stock trading service. have.

The bank server 203 is managed by a financial company such as a bank or credit card company to which the user subscribes, and is a server that performs various financial tasks such as deposit withdrawal, account inquiry, bank transfer, and account withdrawal. In addition, the securities firm server 204 is managed by a plurality of securities firms that perform securities trading, and is a server that enables online stock trading.

The bank server 203 and the securities company server 204, which have received a message related to the stock transaction request from the financial automation device 201, are transferred from the bank server 203 to the securities company server 204 according to the stock transaction type and the transaction amount. Alternatively, the securities firm server 204 transfers a predetermined stock transaction amount to the bank server 203.

According to the present invention, the bank server 203 and the securities company server 204 are connected to a predetermined financial common network, which is connected to an individual financial computer system for payment and settlement through one network to make online deposit and withdrawal between other financial companies. And a communication network that enables electronic financial transactions, such as money transfer, a CD joint network that allows cash withdrawal regardless of the financial institution, an electronic financial network that enables electronic transactions such as Internet banking, or other remittances that allow wire transfers in real time in real time. The common network etc. can be mentioned as an example.

The bank server 203 and the securities company server 204 according to the present invention are connected to a plurality of unspecified client terminals through an open computer network, and receive a task execution request of the client terminal and derive and provide a work result thereof. System and computer software (web server program) installed therefor. However, the bank server 203 and the securities company server 204, in addition to such a web server program, include a series of application programs running on the web server and, in some cases, various databases built therein. It should be understood as a broad concept. In addition, in the present invention, the financial automation device 201 operates as the client terminal, and interoperates with the bank server 203 and the securities company server 204 to request and perform stock trading.

3 is a block diagram illustrating an internal configuration of a financial automation device 201 according to an embodiment of the present invention. As shown in the figure, the financial automation device 201 according to the present invention is a financial transaction means input unit 301, stock transaction request information input unit 302, stock transaction request message generation unit 303, stock transaction request message transmission A unit 304, a stock transaction processing information receiving unit 305, and a stock quote information output unit 306.

The financial transaction means input unit 301 receives a financial transaction means from a user and reads user information from the financial transaction means. The financial transaction means may be interpreted to include all other payment media as well as a cash card as well as a medium capable of identifying the user's financial related information such as a bank account, a debit card, a credit card, and the like. In addition, according to the present invention, a financial automation device company, a financial company and a securities company is cooperating to issue another financial transaction means in which the financial company information and the securities company information are stored together, so that the stock trading using the financial automation device can be more easily performed. Can be.

The user information read out from the financial transaction means includes user account information or user identification information. That is, the financial transaction means input unit 301 extracts the account information of the user trading bank and the user identification information such as a user name or ID stored in the financial transaction means, and also extracts the password of the user account from the user to perform the stock transaction. Receive input.

The stock trading request information input unit 302 receives stock trading request information from a user. That is, according to the user's selection of the stock trading menu, the stock trading request information input unit 302 inputs information of various items for stock trading, such as securities company account number, trading stock identification information, price, and trading amount, from the user to the keypad or touch pad. It is input through an input means such as

The stock transaction request message generator 303 generates a stock transaction request message based on the user information read by the financial transaction means input unit 301 and the stock transaction request information received by the stock transaction request information input unit 302. The stock transaction request message includes information related to a financial company and a securities company that the user trades, and is used as information for executing a financial transaction between the financial company and the securities company.

The stock transaction request message transmitter 304 transmits the stock transaction request message generated by the stock transaction request message generator 303 to the bank server 203 or the securities firm server 204. In addition, the bank server 203 or the securities company server 204 that receives the stock transaction request message transfers the stock transaction amount to each other according to the stock transaction request message.

For example, when the user requests the purchase of a specific stock, the bank server 203 refers to the received stock transaction request message, and transfers a certain stock transaction amount to a securities company account. Thereafter, the securities firm server 204 refers to the received stock transaction request message, checks the transfer amount from the corresponding bank account, and executes the purchase of the stock requested by the user.

On the contrary, when the user requests the sale of a specific stock, the securities company server 204 refers to the received stock transaction request message and transfers a certain stock transaction amount to the user's bank account. Thereafter, the bank server 203 refers to the received stock transaction request message, checks the transfer amount from the securities company account, and transmits the stock transaction result to the financial automation device.

As another example according to the present invention, when a user deposits a certain deposit in a securities company account, if the stock transaction amount requested by the user is less than or equal to the deposit amount, the stock transaction amount may be settled directly from the broker account. If the stock transaction amount exceeds the deposit amount, the excess amount may be transferred from the bank account to the securities company account.

The stock transaction processing information receiver 305 receives the transfer result information from the bank server 203, and receives the stock transaction result information from the securities company server 204. In addition, the stock transaction processing information receiving unit 305 according to the present invention may output the transfer result information or the stock transaction result information in the form of a predetermined stock transaction using a predetermined print module.

For example, the stock transaction processing information receiver 305 may output a stock transaction receipt using a conventional thermal printer module. The thermal printer module is a thermal printing printer using thermal paper, and is often used to output a financial transaction receipt of a user. The stock transaction processing information receiving unit 305 can easily output the result information according to the stock transaction of the user by using the conventional thermal printer module.

The financial automation device according to the present invention further includes a stock quote information output unit 306, and the stock quote information output unit 306 outputs the stock quote information received from the securities company server on the screen.

For example, the stock quote information output unit 306 receives information such as real-time stock news, stock quotes, fluctuations, trading volumes, and stock quotes from a securities company server, and configures text information in text form to output the user of the financial automation device. It can be displayed in the form of tickers on the screen. "Ticker" is a method of displaying information in the form of subtitles or billboards to efficiently convey simple information to the user. By providing the stock quote information according to the present invention in such a ticker form, the limited output resources of the financial automation device can be efficiently And increase the effectiveness of information transfer.

As another example according to the present invention, the stock quote information output unit 306 may provide a detailed stock information to the user by installing a separate display means on the upper or lower portion of the financial automation device.

4 is a diagram illustrating an example of an information transmission process for providing a stock trading service through a financial automation device according to an embodiment of the present invention. As shown in the figure, for stock trading through a financial automation device, user information is read from a financial transaction means of a user, and stock request information is input using a touch pad or a keypad. A stock transaction request message is generated based on the user information and the stock transaction request information, and the stock transaction request message is transmitted to a securities company server or a bank server, respectively, and transfers the account for the stock transaction between the securities company server and the bank server. To be performed.

Meanwhile, the user information includes a bank account number, a user name, an ID, and the like, and the stock transaction request information includes a securities company account number, a transaction stock identification information, a price, a transaction amount, and the like, and a stock according to the present invention. The items of the transceiving information for trading may have various modifications according to the type and method of stock trading.

5 is a diagram illustrating an example of a GUI screen for performing a stock transaction using a financial automation device according to an embodiment of the present invention.

Reference numeral 501 denotes an example of a screen for newly adding a security service menu to a user menu screen provided by a conventional financial automation device and providing real-time stock information at the bottom of the screen.

Reference numeral 502 is an example of a screen outputting various submenus for stock trading according to a user's selection of a securities service menu. As shown in the figure, basically, the stock buy, sell, and other menus are provided on the screen, and a detailed stock information menu is provided for the user to be provided with more detailed stock information.

Reference numeral 503 is an example of a screen for requesting input of a financial transaction means from a user according to a user's stock purchase request, and inputting stock transaction request information of various items for stock purchase.

Reference numeral 504 is an example of a screen outputting stock transaction processing information related to a stock transaction processing result after performing a stock transaction in connection with a bank server and a securities company server according to a user's request. Regarding a procedure of performing a stock transaction in connection with the bank server and the securities company server, the descriptions thereof will be omitted since the description and the technical spirit are the same as described above with reference to FIG. 3.

In the stock trading using the financial automation device according to the present invention, the configuration, procedure, and user screen of the trading menu are not limited to the embodiments and drawings, and it is obvious that various modifications and variations may be made for the stock trading. .

6 is a flowchart illustrating a method of providing a stock trading service using a financial automation device.

In step S601, the financial transaction means is input from the user, and the user information is read from the financial transaction means. The financial transaction means may be interpreted to include all other payment media as well as a cash card as well as a medium capable of identifying the user's financial related information such as a bank account, a debit card, a credit card, and the like. In addition, according to the present invention, a financial automation device company and a securities company can cooperate to issue a second financial transaction means in which the financial company information and the securities company information are stored together, so that the stock trading using the financial automation device can be more easily performed. have.

For example, in this step, the user extracts the user account information of the bank that issued the financial transaction means and user identification information such as a user name or ID, and receives a password of the user account from the user to perform a stock transaction. .

In step S602, stock trading request information is input from a user. That is, according to the user's selection of the stock trading menu, the user receives various stock trading request information such as a securities company account number, trading stock identification information, price, and trading volume through an input means such as a keypad or a touch pad.

In step S603, a stock transaction request message is generated based on the user information input in step S601 and the stock transaction request information input in step S602. Therefore, the stock transaction request message includes information related to a financial company and a securities company that the user trades, and is used as data for executing a financial transaction between the financial company and the securities company.

In step S604, the stock transaction request message is transmitted to the securities company server or the bank server, and in step S605, the stock transaction amount is mutually transferred between the bank server and the securities company server according to the stock transaction request message transmitted in step S604. Process.

For example, when the user requests the purchase of a specific stock, the bank server refers to the received stock transaction request message, and transfers the stock transaction amount to a securities company account. In addition, the securities firm server refers to the received stock transaction request message, checks the amount of money transfer from the bank account, and then executes the purchase of the stock requested by the user.

So far, the method for providing a stock trading service using the financial automation device according to the present invention has been described, and the above-mentioned information described in the embodiments of FIGS. 1 to 5 may be applied to the present embodiment as it is. It will be omitted.

The method for providing a stock trading service using the financial automation device according to the present invention may be implemented in the form of program instructions that can be executed by various computer means and recorded on 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 real-time stock information to the user more conveniently by providing the stock quote information using financial automation devices installed in various places.

In addition, according to the present invention, by performing a stock trading service using a financial automation device that can interoperate with a bank server and a securities company server, it is possible to further increase the convenience of the stock trading user.

In addition, according to the present invention, by adding a new additional service called a stock trading service to the financial automation device, it is possible to maximize the utility of the financial automation device.

Claims (10)

In the financial automation device providing a stock trading service in conjunction with a securities company server and a bank server, A financial transaction means input unit which receives a financial transaction means from a user and reads user information from the financial transaction means; A stock trading request information input unit which receives stock trading request information from the user; A stock trading request message generation unit configured to generate a stock trading request message based on the user information and the stock trading request information; And Stock transaction request message transmission unit for transmitting the stock transaction request message to the securities company server or the bank server Financial automation device comprising a. The method of claim 1, The bank server and the securities firm server, the financial automation device characterized in that the mutual transaction processing of the stock transaction amount in accordance with the stock transaction request message. The method of claim 1, Stock transaction processing information receiving unit for receiving the transfer result information from the bank server, the stock transaction result information from the securities company server Financial automation device further comprising. The method of claim 3, And the stock transaction processing information receiving unit outputs the transfer result information or the stock transaction result information using a predetermined print module. The method of claim 1, Stock quote information output unit for outputting the stock quote information received from the securities company server on the screen Financial automation device further comprising. The method of claim 5, The stock quote information is output in the form of a ticker (ticker). The method of claim 1, And the user information includes user account information or user identification information. The method of claim 1, The stock transaction request information includes at least one of securities company account information, transaction stock identification information, and quantity information. In the method for providing a stock trading service using a financial automation device interworking with a securities company server and a bank server, Receiving financial transaction means from a user and reading user information from the financial transaction means; Receiving stock transaction request information from the user; Generating a stock trading request message based on the user information and the stock trading request information; And Transmitting the stock transaction request message to the securities company server or the bank server; Stock trading 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 9.

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