KR20070096307A - Method for discounting commission using advertisement and an automatic teller machine for executing the method - Google Patents

Abstract

A method for discounting financial service commission by providing advertisements and an ATM(Automated Teller Machine) executing the method are provided to receive the advertising costs from an advertiser by providing the advertisement through the ATM, and to increase the effect of the advertisement in the middle of financial transaction service. An ATM for providing financial transaction service is composed of a financial transaction demand receiving unit(310) for receiving a financial transaction demand from a user; a commission deciding unit(320) for determining a commission related to the financial transaction service; an advertisement providing unit(330) for providing an advertisement to the user; and a financial transaction service executing unit(340) for discounting the commission and performing financial transactions according to the reduced commission.

Description

TECHNICAL FOR DISCOUNTING COMMISSION USING ADVERTISEMENT 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 discounting a fee of a financial transaction service by providing an advertisement 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 a GUI screen in which a financial transaction service fee is discounted through advertisement provision according to an embodiment of the present invention.

5 is a flowchart illustrating a method for discounting a financial transaction service fee through providing an advertisement according to the present invention.

<Explanation of symbols for main parts of the drawings>

310: financial transaction request receiving unit

320: fee determination unit

330: advertising provider

340: financial transaction service execution unit

The present invention relates to a method for discounting a financial transaction service fee using an advertisement and a financial automation device for performing the method. More particularly, the present invention relates to a fee for the financial transaction service when a user views an advertisement while using the financial transaction service. And a method for making the financial transaction service available according to a discounted fee and a financial automation device for performing the method.

With respect to traditional financial transactions that have been carried out by banks in direct contact with clerks, the advent 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. In addition, recently, such financial automation devices are not simply installed in financial institutions such as banks, but are installed in various places such as convenience stores, theaters, and shops, so that anyone can conveniently use various financial services without restriction of place and time. .

Despite these conveniences, the fees for financial transactions using financial automation devices are relatively high compared to direct financial transactions at bank counters. However, it is not easy for a financial automation device operator to lower the fee because fee cuts will lead to a decrease in profits in the absence of a separate revenue source.

Therefore, if a new source of revenue can be created for financial automation device operators, and the fee for financial transaction services can be reduced based on this, users can conveniently use the financial transaction service using financial automation devices without paying a fee, Automated device operators will benefit from the increased use of financial automation devices. Advertisers will be able to place ads on financial automation devices that are installed in various places such as convenience stores, theatres, and stores. As a result, the effect of expanding the area of advertising can be expected. Accordingly, the present invention provides a method for providing an advertisement to users using the financial transaction service through a financial automation device, and receiving the cost of the advertisement from the advertiser so that the user can use the financial transaction service at a discounted price fee. We would like to propose a new technology for financial automation equipment to perform the method.

The present invention has been made to improve the prior art as described above, by providing an advertisement to a user using a financial transaction service through a financial automation device, thereby discounting the fee for the financial transaction service, so that the user without a fee It aims at making financial automation equipment available.

Another object of the present invention is to provide an advertisement through a financial automation device and to receive an advertising fee from the advertiser, thereby creating a new revenue source using the financial automation device.

Another object of the present invention is to further enhance the effectiveness of advertisements by providing advertisements in the middle of financial transaction services of financial automation devices used by many people.

Still another object of the present invention is to further enhance the effectiveness of advertisements by providing targeted advertisements to a user by referring to user information used when using a financial transaction service in a financial automation device.

Still another object of the present invention is to further enhance the effectiveness of the advertisement by providing an advertisement related to the financial transaction service when using the financial transaction service in the financial automation device.

In order to achieve the above object and to solve the above-mentioned problems of the prior art, a financial automation device for performing a financial transaction service fee discount method through the provision of advertisements according to an embodiment of the present invention to request a financial transaction service request from the user. A financial transaction request receiving unit for receiving, a fee determining unit for determining a fee associated with the financial transaction service, an advertisement providing unit for providing an advertisement to the user, and a financial transaction for performing the financial transaction according to the reduced fee after the fee is reduced It includes a service performing unit.

In addition, the financial transaction service fee discount method by providing an advertisement according to the present invention comprises the steps of receiving a financial transaction service request from a user, determining a fee associated with the financial transaction service, providing an advertisement to the user and the And after the fee reduction, performing the financial transaction according to the reduced fee.

Hereinafter, a method for discounting a financial transaction service fee through providing an advertisement and a financial automation device for performing the method will be described in detail with reference to the accompanying drawings.

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

1 is a diagram showing a general structure of such a financial automation device. Reference numeral 101 denotes an operation terminal for receiving a menu selection and operation for a financial transaction from a user, reference numeral 102 denotes an entry / exit part of a banknote for counting and storing banknotes, and reference numeral 103 reads an account book. It is a bank account book that performs bankbook arrangement. 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 connection to a central 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 output or a statement table.

2 is a diagram illustrating a network configuration for discounting a fee of a financial transaction service by providing an advertisement according to an embodiment of the present invention. As shown in the figure, the network configuration includes a financial institution server 210 and a financial automation device 220.

The financial institution server 210 is a server used by a financial institution to provide a financial transaction service. The financial institution may include at least one of a bank, a securities company, a card company or an insurance company, and the financial transaction service may include deposit withdrawal, It may include one or more of deposits, transfers, credit card cash advances, insurance coverage, premium collection services, and stock trading services.

The financial institution server 210 according to the present invention is connected to a plurality of unspecified client terminals through an open computer network, receives a task execution request of the client terminal, and derives and provides a work result for the computer system and installed therefor. Computer software (web server program). However, the financial institution server 210 is understood as a broad concept including a series of application programs that run on the web server and various databases built therein, in addition to the web server program. Should be. In addition, in the present invention, the financial automation device 220 operates as the client terminal and provides a financial transaction service in association with the financial institution server 210.

The financial automation device 220 is installed in various places such as a convenience store, a theater, a shopping mall, and a large mart, and additionally performs an event providing task according to the present invention as well as a bank, insurance, stock, and ticket issuing task to a user. . The financial institution server 210 and the financial automation device 220 are connected to a predetermined network. Examples of the network include an integrated services digital network (ISDN), an asymmetric digital subscriber line (ADSL), a local area network (LAN), Ethernet, TCP / IP-based communication network, and FTTH / O / C (optical fiber network).

3 is a block diagram illustrating an internal configuration of a financial automation device 220 according to an embodiment of the present invention. As shown in the figure, the financial automation device 220 includes a financial transaction request receiver 310, a fee determiner 320, an advertisement provider 330, and a financial transaction service performer 340. Hereinafter, the function of each component will be described in detail.

The financial transaction request receiver 310 receives a financial transaction service request from a user. The financial transaction service may include at least one of deposit withdrawal, deposit, transfer, credit card cash service, insurance service, premium storage service, and stock trading service, and the financial transaction service request is input from a user by using a keypad or touch screen. It is input through means. For example, the financial automation device according to the present invention may provide a user with a list of financial transaction services available to the user and receive input of a desired financial transaction service from the user.

The fee determiner 320 determines a fee associated with the financial transaction service received by the financial transaction request receiver 310. The fee may be determined differently according to the type of the financial transaction service. The fee information database is included in the financial automation device 220 to determine the fee, and the fee information corresponding to the financial transaction service request received by the financial transaction request receiver 310 is extracted from the fee information database to determine the fee. The fee information may be determined by receiving fee information corresponding to the financial transaction service from the financial institution server 210.

The advertisement provider 330 provides an advertisement to the user. The advertisement may be provided based on advertisement information extracted from an advertisement information database included in the financial automation device 220 or may be provided based on advertisement information received from a predetermined advertisement server.

In addition, the advertisement providing unit 330 may provide a targeted advertisement to the user by using user information in order to perform a financial transaction service. For example, the user information including any one or more of the age, gender, interests and hobbies of the user using the financial transaction service is received from the financial institution server 210, and the user may be interested based on the user information. By selecting and providing advertisements in areas that can be used, the interest in advertisements can be increased to maximize the effectiveness of the advertisements.

Alternatively, the advertisement provider 330 may select an advertisement based on the type of the financial transaction service received by the financial transaction request receiver. For example, by providing a credit card advertisement to a user using a credit card cash service, or by providing a securities company advertisement to a user using a stock trading service, it is possible to increase the user's interest in the advertisement to increase the effectiveness of the advertisement.

In addition, the advertisement providing unit 330 provides an advertisement only when receiving a request for providing an advertisement from the user, thereby providing an advertisement to users who do not want to watch the advertisement, thereby making the user feel uncomfortable, and negative image of the advertisement. You can also solve the problem that can give.

The financial transaction service performing unit 340 performs the financial transaction received by the financial transaction request receiving unit 310 according to the reduced fee after reducing the fee determined by the fee determining unit 320. The fee reduction can be made based on the advertisement cost paid by the advertiser for the advertisement provided by the advertisement providing unit 330, so that the financial automation device operator can provide the financial transaction service without any damage due to the fee reduction. . For example, when a user receives a deposit withdrawal service, when the user views an advertisement provided by the advertisement providing unit 330, all or a part of the fee for the withdrawal service is covered by the advertisement fee for the watched advertisement, and the user is exempted. You will be able to receive the deposit withdrawal service at a fee.

The financial transaction service performing unit 340 is connected to one or more financial institution server 210 through a communication network to perform a financial transaction received by the financial transaction request receiving unit 310 and performs a financial transaction therein. The financial transaction information may be transmitted to a server, and the financial transaction result may be received from the financial institution server, thereby providing a financial transaction service. For example, when a user uses a deposit withdrawal service, the financial transaction request receiving unit 310 receives a deposit withdrawal service request, and the financial transaction service performing unit 340 includes a bank account number corresponding to the request. When the banking service information is transmitted to the bank server where the user's account is located, and the withdrawal approval result is received from the bank server, cash can be paid to the user according to the approval result.

4 is a diagram illustrating an example of a GUI screen in which a financial transaction service fee is discounted through advertisement provision according to an embodiment of the present invention.

Reference numeral 410 is an example of a screen for providing a list of financial transaction services to receive a financial transaction service request from the user, and reference numeral 420 is an example of a screen for receiving advertisement providing request information from the user. Also, reference numeral 430 is an example of a screen on which an advertisement is provided, and reference numeral 440 is an example of a screen informing the user that a fee has been reduced by providing an advertisement.

Hereinafter, a method for discounting a financial transaction service fee through providing an advertisement and a specific embodiment of a financial automation device for performing the method will be described with reference to FIG. 4. For example, if a user wants to receive a deposit withdrawal service using a financial automation device, a list of available financial transaction services is output to the display module of the financial automation device.

As shown at 410, a list of financial transaction services available in the financial automation device is output to the display module of the financial automation device. When the user selects a "deposit withdrawal" menu among these, the financial transaction request receiving unit 310 receives the user's request for the deposit withdrawal service, the fee determination unit 320 determines a fee for the deposit withdrawal service, The display module of the financial automation device outputs a question about whether to view an advertisement.

As shown at 420, a screen on which a user can select whether to watch an advertisement is output on the display module of the financial automation device. If the user selects "Yes" to request an advertisement, an advertisement is output to the display module of the financial automation device.

As illustrated at 430, an advertisement provided by the advertisement providing unit 330 is output to the display module of the financial automation device. When the advertisement ends, the financial transaction service requested by the user is performed according to the reduced fee, and a message about the fee reduction is output on the display module of the financial automation device.

As shown at 440, a message is displayed on the display module of the financial automation device indicating that the fee is reduced according to the provision of the advertisement. Accordingly, the user can compare the fee that was originally paid with the discounted fee through viewing the advertisement.

As described in the above embodiments, users who have avoided the use of financial automation devices due to the fee burden can use the financial transaction service at a discounted fee only by watching advertisements in a field of interest. The effect of increasing the utilization rate can be expected.

5 is a flowchart illustrating a method for discounting a financial transaction service fee through providing an advertisement according to the present invention.

In step S510, a financial transaction service request is received from a user. The financial transaction service may include at least one of deposit withdrawal, deposit, transfer, credit card cash service, insurance service, premium storage service, and stock trading service, and the financial transaction service request is input from a user by using a keypad or touch screen. It can be input by means.

In step S520, a fee associated with the financial transaction service is determined. The fee may be determined differently according to the type of financial transaction service, and is determined based on fee information extracted from an internal fee information database or fee information received from a financial institution server.

In operation S530, an advertisement is provided to the user. The advertisement may be provided based on advertisement information extracted from an advertisement information database included in the financial automation device 220, or may be provided based on advertisement information received from a predetermined advertisement server. It may be an advertisement targeted to the user according to the information of the user using the service, or may be an advertisement related to a financial transaction service. In addition, the advertisement may be provided only when the advertisement providing request is received from the user.

In step S540, the fee is reduced and a financial transaction is performed according to the reduced fee. The fee reduction may be made based on the advertisement cost paid by the advertiser for the advertisement provided by the advertisement providing unit 330. The financial transaction transmits financial transaction information to one or more financial institution servers connected through a communication network, and finance This can be done by receiving the transaction results.

So far, a method of discounting a fee of a financial transaction service by providing an advertisement according to the present invention has been described, and the aforementioned contents of the embodiments of FIGS. 1 to 4 may be applied to the present embodiment as it is. Details will be omitted.

The method of discounting a fee of a financial transaction service by providing an advertisement according to the present invention may be implemented in the form of program instructions that can be executed by various computer means and recorded in a computer readable medium. The computer readable medium may include program instructions, data files, data structures, etc. alone or in combination. Program instructions recorded on the media may be those specially designed and constructed for the purposes of the present invention, or they may be of the kind well-known and available to those having skill in the computer software arts. Examples of computer-readable recording media include magnetic media such as hard disks, floppy disks, and magnetic tape, optical media such as CD-ROMs, DVDs, and magnetic disks, such as floppy disks. Magneto-optical media, and hardware devices specifically configured to store and execute program instructions, such as ROM, RAM, flash memory, and the like. The medium may be a transmission medium such as an optical or metal wire, a waveguide, or the like including a carrier wave for transmitting a signal specifying a program command, a data structure, or the like. Examples of program instructions include machine language code, such as that produced by a compiler, as well as high-level language code that can be executed by a computer using an interpreter. 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, by providing an advertisement to a user who uses the financial transaction service through the financial automation device and thereby discounting the fee for the financial transaction service, the user can use the financial automation device without burdening the fee.

Further, according to the present invention, by providing an advertisement through a financial automation device and receiving an advertising fee from the advertiser, it is possible to create a new revenue source using the financial automation device.

In addition, according to the present invention it is possible to further enhance the effect of the advertisement by providing an advertisement in the middle of the financial transaction service of the financial automation device used by many people.

In addition, according to the present invention it is possible to further enhance the effect of the advertisement by providing a targeted advertisement to the user by using the user information used when using the financial transaction service in the financial automation device.

In addition, according to the present invention, when using the financial transaction service in the financial automation device, it is possible to further enhance the effect of the advertisement by providing an advertisement related to the financial transaction service.

Claims (8)

In the financial automation device for providing a financial transaction service, A financial transaction request receiver for receiving a financial transaction service request from a user; A fee determination unit that determines a fee associated with the financial transaction service; An advertisement providing unit providing an advertisement to the user; A financial transaction service performing unit performing the financial transaction according to the reduced fee after the fee is reduced Financial automation device comprising a. The method of claim 1, The advertisement providing unit receives an advertisement providing request from the user and provides the selected advertisement to the customer in response to the providing request. The method of claim 1, The financial transaction request receiving unit receives user information about the user, The advertisement providing unit selects an advertisement to be provided based on the user information. The method of claim 3, The user information includes any one or more of age, gender, interests, and hobbies. The method of claim 1, And the advertisement providing unit provides an advertisement related to the financial transaction service. The method of claim 1, The financial transaction service may include at least one of deposit withdrawal, deposit, transfer, credit card cash service, insurance service, premium storage service, and stock trading service. In the method for providing a financial transaction service using a financial automation device, Receiving a financial transaction service request from a user; Determining a fee associated with the financial transaction service; Providing an advertisement to the user; After the fee reduction, performing the financial transaction according to the reduced fee Financial transaction service providing method comprising a. A computer-readable recording medium having recorded thereon a program for executing the method of claim 7.

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