KR20070101012A - Automatic teller machine for providing user customized menu and method of operating the automatic teller machine using the same - Google Patents

Abstract

An ATM(Automated Teller Machine) with an user customized menu and a method of operating the same are provided to serve an optimized menu for a client by offering a customized menu depending on user information such as his/her age. An ATM with a user customized menu includes an input unit(310) getting a financial transaction type, a menu serving unit(320), and a help serving unit(330). The input unit(310) readouts user information from the financial transaction type a user inputted. The menu serving unit(320) provides a customized menu corresponding to the user information on a predetermined display unit. The help serving unit(330) provides help about a user selected menu using a predefined character.

Description

AUTOMATIC TELLER MACHINE FOR PROVIDING USER CUSTOMIZED MENU AND METHOD OF OPERATING THE AUTOMATIC TELLER MACHINE USING THE SAME}

1 is a diagram illustrating an example of a user menu of a financial automation device according to the prior art.

2 is a diagram illustrating a general structure of a financial automation device.

3 is a 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 specialized user menu according to an embodiment of the present invention.

5 is a diagram illustrating an example of providing help using a character according to an embodiment of the present invention.

6 is a flowchart illustrating a method of operating a financial automation device according to an embodiment of the present invention.

<Explanation of symbols for main parts of the drawings>

300: financial automation equipment

310: financial transaction means input unit

320: menu providing unit

330: help provider

The present invention relates to a financial automation device that provides a user menu, and more particularly, to a financial automation device and a method for providing a user menu specialized according to user information to enable a user to use financial transactions more conveniently. will be.

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 having to go through a bank clerk in account transfer, balance inquiry, deposit withdrawal, and bank account arrangement. These advantages of financial automation devices have led to a rapid increase in the number of customers, installations, and installation sites 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.

However, in the conventional financial automation device, although various functions are added, the same user menu is collectively provided to the user without considering the characteristics of the user in the user menu. For example, referring to FIG. 1, a "cash machine", which is a financial automation device used by a bank, basically consists of a user menu including "deposit, deposit, withdrawal, account transfer, inquiry, bankbook arrangement, credit card, etc.". It is. The user menu provided by the bank may be different for each bank, but the basic configuration may be similar.

On the other hand, in the case of users of the old age typically have a fear of various devices that are gradually developed. Even if the users of these seniors want to perform only simple financial transactions, the financial automation devices provide complicated and diverse menus for various financial transactions, and the elderly users feel confused in using the financial automation devices. In addition, older users may have difficulty in identifying menus of financial automation devices due to presbyopia. Thus, users of the elderly have a problem of losing the purpose of installing a financial automation device by using a bank window even for simple financial transactions such as deposit withdrawal and deposit.

In addition, user menus on financial automation devices are gradually increasing due to the automation of various financial transactions, but users who use them do not know how to use the menus and thus cannot use financial transactions using financial automation devices. have. In particular, for users who are new to financial automation devices, this problem is even more serious.

Accordingly, the present invention proposes a new technology that provides a user menu specialized according to user information and provides a help on the menu so that the user can use the financial transaction more conveniently.

SUMMARY OF THE INVENTION The present invention has been made to solve the above-mentioned problems of the prior art, and its object is to provide a user with a specialized user menu using user information, so that a user can use financial transactions more conveniently.

In addition, an object of the present invention is to provide a user menu optimized for a user age group by identifying a user's age group through a financial transaction means and differently providing a user menu of a financial automation device according to the identified user age group.

In addition, an object of the present invention is to provide a help for the user menu in the financial automation device to enable the user to use the financial transaction more conveniently.

In order to achieve the above object and to solve the above-mentioned problems of the prior art, a financial automation device providing a user menu according to an embodiment of the present invention, the user receives a financial transaction means from the user from the financial transaction means A financial transaction means input unit for reading information; And a menu providing unit which provides a user menu specialized in correspondence with the user information read out through a predetermined display means.

In addition, according to another embodiment of the present invention, a method of operating a financial automation device that provides a user menu comprises the steps of: reading user information from the financial transaction means by receiving a financial transaction means from a user; And providing a user menu specialized according to the user information read out through a predetermined display means.

Hereinafter, a financial automation device and a method for providing a user menu according to the present invention 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 services and provides various additional services such as utility billing, ticket issuance, and point accumulation. do.

2 is a diagram illustrating a general structure of such a financial automation device. Reference numeral 210 is an operation terminal that receives a menu selection and operation for a financial transaction from the user, and the operation terminal provides various financial services or additional services to the user through a GUI screen. Reference numeral 220 denotes an entry and exit portion of a banknote for counting and storing banknotes, and reference numeral 230 denotes a bankbook portion for reading a bankbook and performing a bankbook arranging task. In addition, reference numeral 240 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 240 may read not only a financial transaction card but also an accumulation card or ID card for other business. 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.

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

As shown in FIG. 3, the financial automation device 300 includes a financial transaction means input unit 310, a menu provider 320, and a help provider 330.

The financial transaction means input unit 310 of the financial automation device 300 receives 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.

For example, the read user information may include user account information of a bank in which the user has issued the financial transaction means, and user identification information such as a user name or ID, a social security number, and the like. As an example for reading user information, the financial automation device may transmit predetermined identification information recognized from a financial transaction means to a financial server through a communication network, and read user information corresponding to the identification information from the financial server.

The menu providing unit 320 may provide a user menu specialized according to the user information read through a predetermined display means.

According to an embodiment of the present invention, the menu providing unit 320 may provide a user menu specialized for each age of the user with reference to the user information. For example, the menu providing unit 320 may classify the user by age by referring to the resident registration number which is the read user information, and may provide a user menu specialized for the classified age. According to the present embodiment, the user menu specialized for each age may have a larger font size of the user menu, and may be simply configured as the older user. On the other hand, the menu providing unit 320 may provide a user with a variety of function menu to the user of the young age group so that the user can conveniently use the user menu. As such, the menu providing unit 320 is a user menu specialized for each age, and may be provided by varying the composition of the menu and the size of the font according to age.

According to an embodiment, the financial automation device may classify user age groups into two or more age grades, and user menu settings corresponding to the age grades may be registered according to each age grade.

For example, a financial automation device might have five age classes under 20, 20-25, 25-30, 30-40 and 40 and a user menu setting corresponding to each age class. It may be registered. At this time, the user menu setting is preferably composed of a simple menu and a large font size as it corresponds to a high age group.

In addition, according to the present embodiment, the menu providing unit 320 may provide a specialized user menu by dividing the user by gender, region, or occupation by referring to the read user information.

In addition, according to another embodiment of the present invention, the menu providing unit 320 includes a menu that allows the user to change from a specialized user menu to a predetermined basic menu, which is basically provided when the user does not want a specialized user menu. Make the main menu available.

4 is a diagram illustrating an example of a specialized user menu according to an embodiment of the present invention.

As shown in FIG. 4, when the user is determined to be an old user with reference to the read user information, the menu providing unit 320 includes a large and simple menu of “deposit withdrawal”. It can provide the user with a specialized user menu, including "inquiry, deposit inquiry, deposit, bankbook arrangement, basic menu". Among the specialized user menus, the "basic menu" may be a menu for moving to the basic menu when the user does not want to use the specialized menu.

According to an embodiment of the present invention, the help provider 330 may provide help for the selected menu using a predetermined character in a limited display area when a specific menu is selected from the specialized user menu. . Also, according to the present embodiment, the help provider 230 may provide a user help specialized according to the user information. In this case, the user help may be provided through a separate window. As such, by providing the user help through a separate window, a sufficient space for providing the help can be secured.

In addition, according to the present embodiment, the help provider 330 may inquire the user of the use of the help using a character, and provide the help according to the user's response to the use of the help. have.

5 is a diagram illustrating an example of providing help using a character according to an embodiment of the present invention.

As illustrated in FIG. 5, when a specific menu "account transfer" is selected from the specialized user menu, the help provider 330 may inquire whether to use the help using a predetermined character. (Refer to (a) of FIG. 5), when "Yes" is input in response to the use of the help from the user, the help "account transfer for the selected menu through a separate window is used in the following order. 1) a bank transfer button, 2) input of a transfer amount, 3) input of a code number of a corresponding bank, input of a beneficiary account number, and 5) completion ”(see (b) of FIG. 5).

According to an embodiment, the help provider 330 may provide help specialized according to the user information by using the user information. That is, the present invention can be applied not only to specializing the user menu according to the user information, but also to specializing the user help according to the user information. That is, the help for an older user may be displayed in large letters and may be more detailed help. Conversely, the help for a young user is displayed in relatively small letters and can be a relatively brief help. Also, help for older users may be help including pictures.

6 is a flowchart illustrating a method of operating a financial automation device according to an embodiment of the present invention.

In operation S610, the method for operating a financial automation device 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.

For example, the read user information may include user account information of a bank in which the user has issued the financial transaction means, and user identification information such as a user name or ID, a social security number, and the like.

In operation S620, the method for operating the financial automation device provides a user menu specialized according to the user information read out through a predetermined display means.

According to an embodiment of the present invention, the specialized user menu may be a user menu specialized for each age of the user with reference to the user information. For example, the operation method of the financial automation device may classify the user by age with reference to the resident registration number, which is the read user information, and provide a user menu specialized for the classified age. According to the present embodiment, the user menu specialized for each age may have a larger font size of the user menu, and may be simply configured as the older user.

In addition, according to another embodiment of the present invention, when a specific menu is selected among the specialized user menus from the user, the operation method of the financial automation device may provide help for the selected menu using a predetermined character. In addition, according to the present embodiment, the operation method of the financial automation device may provide a user help specialized for the user information through a separate window.

In addition, according to the present embodiment, the operation method of the financial automation device inquires whether the user uses the help for providing a help on a menu selected using the character, and the user determines whether to use the help. According to the response of the help may be provided.

The operation method of the financial automation device for providing a user menu according to the present invention has been described so far, and the details mentioned in the embodiments of FIGS. 1 to 5 can be applied to the present embodiment as it is, so Will be omitted.

The method of operating a financial automation device providing a user menu 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 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.

As described above, although the present invention has been described with reference to limited embodiments and drawings, the present invention is not limited to the above embodiments, and those skilled in the art to which the present invention pertains various modifications and variations from such descriptions. This is possible.

Therefore, the scope of the present invention should not be limited to the described embodiments, but should be determined not only by the claims below but also by the equivalents of the claims.

By providing a specialized user menu using the user information according to the present invention can provide a financial automation device and a method for allowing a user to use a financial transaction more conveniently.

In addition, the present invention can provide a user menu optimized for the user age group by identifying the age group of the user through the financial transaction means, and differently providing the user menu of the financial automation device according to the identified user age group.

In addition, according to the present invention by providing a help for the user menu in the financial automation device so that the user can use the financial transactions more conveniently.

Claims (9)

In the financial automation device providing a user menu, A financial transaction means input unit which receives a financial transaction means from a user and reads user information from the financial transaction means; And A menu providing unit for providing a user menu specialized in correspondence with the read user information through predetermined display means. Financial automation device comprising a. The method of claim 1, The menu providing unit And a user menu specialized for each age of the user with reference to the user information. The method of claim 2, The menu providing unit A financial automation device, characterized by identifying among the two or more preset age grades, an age grade corresponding to the age of the user, and providing a user menu corresponding to the identified age grade. The method of claim 2, The age-specific user menu is a financial automation device characterized in that the older the user, the larger the font size of the user menu, the simple configuration. The method of claim 1, The financial automation device A help provider for providing help on the selected menu using a predetermined character when a specific menu is selected among the specialized user menus from the user Financial automation device, characterized in that it further comprises. The method of claim 5, The help provider And providing specialized user help corresponding to the user information. The method of claim 6, The help provider Financial automation device, characterized in that for providing a user help specialized in accordance with the user information using a separate window. In the operation method of the financial automation device providing a user menu, Receiving financial transaction means from a user and reading user information from the financial transaction means; And Providing a specialized user menu corresponding to the user information read out through a predetermined display means; Method of operating a financial automation device comprising a. A computer-readable recording medium in which a program for executing the method of claim 8 is recorded.

Images