KR20070101013A - Automatic teller machine for providing research function and method thereof - Google Patents

Abstract

An ATM(Automated Teller Machine) with a survey function and a method thereof are provided to generate a meaningful survey result by extracting replies matching its user information and a predetermined survey case condition. A method of an ATM with a survey function includes the steps of: downloading questionnaires for a survey from a predetermined research providing server(S510); providing the questionnaires to a user on a predetermined display unit(S520); providing a predetermined reward to the user after receiving answers to the questionnaires(S530); and displaying the survey result on the predetermined display unit according to the answers(S540).

Description

Financial automation equipment and method for providing the survey function {AUTOMATIC TELLER MACHINE FOR PROVIDING RESEARCH FUNCTION AND METHOD THEREOF}

1 illustrates a general structure of a financial automation device.

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

3 is a diagram illustrating an example of a screen displaying query information according to an exemplary embodiment of the present invention.

4 is a diagram illustrating an example of a GUI screen providing a survey result according to an embodiment of the present invention.

5 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>

200: financial automation equipment

210: query information receiving unit 220: user information reading unit

230: query information provider 240: compensation payment unit

250: database record 260: survey result generation unit

270: response transmitter 280: survey result receiver

290: survey result display unit

The present invention relates to a financial automation device that provides a survey function, and more particularly, to a financial automation device and a method for surveying by providing a user with query information about a survey.

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 equipment have led to a rapid increase in the number of customers, installations, and installations of financial automation equipment, making it easy to find financial automation equipment anywhere.

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.

On the other hand, in the case of a survey conducted by a research institution, the method of survey includes an interview method in which a researcher interviews the respondents and prepares a questionnaire, a questionnaire filling in to the respondents, and the respondents fill out the questionnaire. There is a postal survey method that prepares and returns a survey table, an actual survey method that actually measures, and a telephone survey method where a surveyor calls a respondent to prepare a survey table.As a result of the rapid development of information and communication technology, the Internet has been widely distributed to many people. Online surveys are also widely used.

These survey methods are not used for the purpose of simple surveys, but for commercial or case studies. However, when attempting to conduct a simple survey, for example, when surveying contents such as appointment time and place determination, and using statistics, and using conventional methods, it takes a considerable amount of manpower, cost, and duration. Due to the high level of cooperation required, the efficiency is reduced.

Therefore, in order to solve the above problems, a new method capable of a simple survey is required.

In addition, when a user uses a financial transaction through a financial automation device, the user completes a user input according to a desired financial transaction and waits at least a predetermined time until the processing of the financial transaction according to the user input is completed in the financial automation device. Wait In addition, the user must wait while watching the GUI screen of the financial automation device until the processing of the financial transaction is completed. For example, when the user makes a "withdrawal" in the financial automation device, the user must wait a predetermined time until the user input according to the "withdrawal" is completed and the processing of the "withdrawal" is completed. However, when a user frequently uses a financial transaction of a financial automation device, the user may not use this waiting time and may have to watch the GUI screen.

Accordingly, the present invention provides a new survey method using a financial automation device, and provides a method for more efficient use of the waiting time generated during the processing of the financial transaction in the financial automation device, the user more conveniently financial transactions We would like to propose a new technology that makes it possible to use.

The present invention has been made to solve the above-mentioned problems of the prior art, and provides the user with the query information for the survey, and provides a reward corresponding to the response to the query information from the user to allow the user to participate in the survey It is an object of the present invention to provide a financial automation device for inducing and the above method.

In addition, an object of the present invention is to provide a financial automation device for providing a user with question information about a questionnaire and receiving a response to the question information from the user, and to present a new revenue model according to the questionnaire. It is done.

In addition, the present invention reduces the unnecessary waiting time by providing the user with the query information about the questionnaire for the waiting time that occurs during the processing of the financial transaction in the financial automation device, and providing the user with the result of the questionnaire for the query information For that purpose.

In addition, an object of the present invention is to generate a meaningful survey results by reflecting only the response results of the user that satisfies a predetermined condition among the users responding to the query information provided by the financial automation device in the survey results.

In order to achieve the above object and to solve the above-mentioned problems of the prior art, a financial automation device according to an embodiment of the present invention, query information receiving unit for downloading the query information for the survey from a predetermined research providing server; A query information provider for providing the query information to a user through a predetermined display means; And a reward payment unit that receives a response to the query information from the user and pays a predetermined reward to the user.

In addition, the operation method of the financial automation device according to another embodiment of the present invention, the step of downloading the query information for the survey from the predetermined research providing server; Providing the query information to a user through predetermined display means; And receiving a response to the query information from the user and paying a predetermined reward to the user.

Hereinafter, a financial automation device and a method for providing a survey function 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 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 110 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 120 denotes an entry / exit part of a banknote for counting and storing banknotes, and reference numeral 130 denotes an account book for reading a bankbook and performing a bankbook arranging task. Reference numeral 140 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 140 may read not only a financial transaction card but also an accumulation card or an 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 an internal configuration of a financial automation device according to an embodiment of the present invention.

As shown in FIG. 2, the financial automation device 200 includes a query information receiver 210, a user information reader 220, a query information provider 230, a reward payer 240, and a database recorder 250. , A survey result generator 260, a response transmitter 270, a survey result receiver 280, and a survey result display unit 290.

The financial automation device 200 may be installed in various places such as a convenience store, a department store, a theater, and a road as well as a bank, so that a survey response may be easily obtained from a user without a limitation of a place or time. Provides input and output interface. For example, the financial automation device 200 includes a predetermined survey program provided by a survey institution (or a research research institution) or a self-produced survey program, and a browser capable of executing the same, and operates various input / output functions related to the survey. You can.

The query information receiver 210 of the financial automation device 200 downloads query information for a survey from a predetermined research providing server.

The research providing server and the financial automation device 200 may be connected to each other through a financial communication network (or a bank common network) or to another predetermined communication network. The communication network may be an integrated services digital network (ISDN), an asymmetric digital subscriber line (ADSL), a local area network (LAN), an Ethernet, a TCP / IP-based communication network, or an optical communication network.

For example, the query information receiving unit 210 is a questionnaire about the amount of 20 readings of the query information for the survey from a predetermined research providing server. Enter the number corresponding to the number of books read in the past month. 1) Volume 2, Volume 2, Volume 3, Volume 4, Volume 4 and above.

According to an embodiment of the present invention, the query information receiver 210 may further download and include user condition information related to the query information. For example, the questionnaire information is "a survey of 20 reading volumes. Please enter the number of the number of books you have read in the last month. 1) 1, 2) 2, 3) 3, 4 ) 20 user's condition information related to " 4 books or more " That is, the user condition information may be set by gender, age, occupation, region, etc. from the research provider as the condition information on the question responder of the question information set by the research provider.

According to another embodiment of the present invention, the user information reader 220 may receive a financial transaction means from the user and read the user information from the financial transaction means. According to the present embodiment, the financial transaction means may be interpreted to include all other payment media as long as it is a medium capable of acquiring user information of the user such as a bank account, a debit card, a credit card, or the like.

As another example, the financial transaction means may be an earning card that provides a user with some reward for using the financial automation device. For example, the earning card may be an OK cash back card, GS Caltex card.

As another example of the present invention, the user information read from the financial transaction means may be reflected in the survey result. That is, even if a user who responds to the survey does not input his or her own information, the survey results are utilized by utilizing the user information (for example, gender, age, place of residence, and other personal information) read from the financial transaction means. This can be reflected.

The query information providing unit 230 provides the query information to the user through a predetermined display means.

According to an embodiment, the research providing server may guide the user corresponding to the user condition information on the specific survey among the users on the registered user database about the survey and the reward for the survey. In this case, the survey and the guidance on the compensation for the survey may be performed using an e-mail and a mobile phone message.

For example, in the case of a survey of 20 readings, the research providing server is currently conducting a survey of 20 readings among 20 users among registered users in the database. If you respond, you can send an e-mail informing you that you will receive $ 10,000 worth of points.

Therefore, users who are the targets of the survey may receive rewards such as points earned by actively responding to the survey by viewing the guide message, and the survey institution may easily accumulate meaningful survey results.

3 is a diagram illustrating an example of a screen displaying query information according to an exemplary embodiment of the present invention.

As shown in Fig. 3, the query information providing unit 230 is a questionnaire about the reading amount of the query information " 20 readings through the display means. Enter a number corresponding to how many books were read in the past month. 1) Volume 1, 2) Volume 2, 3) Volume 3, 4) Volume 4 or more "can be displayed to the user.

According to an embodiment of the present invention, the query information providing unit 230 determines whether the time required for the processing of the financial transaction is a predetermined time or more, and when the determination result is determined to be more than the predetermined time. The query information may be provided to the user. For example, when a user input is completed in the financial automation device and a financial transaction is processed according to the user input, a waiting time may occur because a predetermined time or more elapses. Using this waiting time, the query information provider 230 may provide the query information to the user. Through this, the survey function can be selectively provided only when the waiting time is longer than the predetermined time.

The reward payment unit 240 may receive a response to the query information from the user, and may provide a predetermined reward to the user. For example, the compensation payment unit 240 is a questionnaire about the amount of 20 readings of the query information from the user. Enter the number corresponding to how many books were read in the last month. 1) Volume 1, 2 2), 3) Volume 3, 4) Volume 4 or more "3" can be received, and a predetermined reward can be paid to the user.

According to an embodiment of the present invention, the reward payer 240 may classify the search result into meaningful search results only when the read user information corresponds to the user condition information, and pay the reward. For example, the compensation payment unit 240 may classify the search result into meaningful search results only when the read user information corresponds to the user condition information “20s” and may provide the compensation. Meanwhile, when the read user information is "40s", the compensation payment unit 240 does not correspond to the user condition information "20s". Therefore, the compensation payment unit 240 does not pay the compensation by classifying the response as a meaningless survey result. Can be.

As another example of the compensation payment, the compensation payment unit 240 may perform a fee reduction for processing a user's financial transaction. That is, various fees are imposed on the user according to the type of financial transaction processed by the financial automation device. The reward payment unit 240 may reduce the fee as the reward when the user answers the survey. For example, when a user receives a deposit withdrawal service, responding to the survey may cover all or part of the fee for the deposit withdrawal service as a reward for the survey.

Further, according to another embodiment of the present invention, the user may be a user who has received a survey guide message provided when it corresponds to the user information. For example, the supplier of the financial automation device transmits a survey guide message indicating that a predetermined reward is paid to the user's mobile phone through a predetermined server when the financial automation device responds to the question about the survey, The survey guide message may be announced on a homepage, and the user may be a user who receives the survey guide message through the mobile phone or views a survey guide message known on the homepage.

In addition, according to another embodiment of the present invention, the reward payment unit 240 may accumulate a predetermined point corresponding to the survey on the earning card which is the financial transaction means. For example, the earning card may be an "OK cash back card", and the reward payment unit 240 is a point set in response to the survey on the earning card "OK cashback card" of the user in response to the inquiry information You can earn "30 points".

In addition, according to another embodiment of the present invention, the database recording unit 250 records the response to the received query information in a predetermined database, and the survey result generator 260 is in the database recorded survey Responses can be used to generate survey results. For example, the financial automation device may generate a survey result including the number of respondents for each number, the total number of respondents to the survey, the number corresponding to the largest number of respondents, and the like using the response to the query information. . In addition, the response transmitter 270 may transmit a response to the survey recorded in the database to the research providing server at predetermined intervals.

In addition, according to another embodiment of the present invention, the survey result receiving unit 280 transmits the response to the survey through the predetermined communication network to the research providing server, the survey currently aggregated from the research providing server The result can be received.

In addition, according to another embodiment of the present invention, the survey result display unit 290 may display the survey result according to the response on the display means. According to the present embodiment, the survey result display unit 290 may process the survey result and display it on the display means. In addition, according to the present embodiment, the survey result display unit 290 may process the survey result using a chart, and display the processed survey result on the display means. The chart may include a pie graph, a bar graph, a line graph, and the like.

4 is a diagram illustrating an example of a GUI screen providing a survey result according to an embodiment of the present invention.

As shown in FIG. 4, the financial automation device displays the survey results according to the responses in a fan shape using a “circle graph” according to the ratio of numbers, respectively. 1) Volume 1: 230 persons, 2) 2 Volume 100, 3) Volume 3: 50, 4) Volume 4 or more: 30, total number of respondents: 410, maximum number of respondents: 1) Volume 1 may be displayed on the display means.

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

First, in step S510, the financial automation device downloads query information for a survey from a predetermined research providing server. According to an embodiment of the present invention, the financial automation device may further download and include user condition information related to the query information. That is, the user condition information may be set by gender, age, occupation, region, etc. from the research provider as the condition information on the question responder of the question information set by the research provider.

According to another embodiment of the present invention, the financial automation device may receive a financial transaction means from a user and read user information from the financial transaction means. According to this embodiment, the financial transaction means may be a credit card.

In step S520, the financial automation device provides the query information to the user through a predetermined display means.

According to an embodiment of the present invention, the financial automation device determines whether the time required for processing a financial transaction is greater than or equal to a predetermined time, and if the determination result is greater than or equal to the predetermined time, the query information is determined. It may be provided to the user. For example, when the financial input device completes a user input and performs a financial transaction according to the user input, a predetermined time or more may elapse and a waiting time may occur. By using this waiting time, the financial automation device may provide the query information to the user.

In step S530, the financial automation device receives a response to the query information from the user and pays the user a predetermined reward.

According to an embodiment of the present invention, the financial automation device may classify the information into meaningful search results only when the read user information corresponds to the user condition information, and provide the compensation. For example, the financial automation device may classify the search result into meaningful search results only when the read user information corresponds to the user condition information " twenties ", and provide the compensation.

Further, according to another embodiment of the present invention, the user may be a user who has received a survey guide message provided when it corresponds to the user information. That is, the provider of the financial automation device may transmit a survey guide message indicating that a predetermined reward is paid to the user's mobile phone through a predetermined server when the financial automation device responds to the question about the survey. May be a user who receives the survey guide message through the mobile phone.

In addition, according to another embodiment of the present invention, the financial automation device may accumulate predetermined points corresponding to the survey on the credit card which is the financial transaction means.

In addition, according to another embodiment of the present invention, the financial automation device records a response to the received query information in a predetermined database, and generates a survey result using the response to the survey recorded in the database. can do. For example, the financial automation device may generate a survey result including the number of respondents for each number, the total number of respondents, the number corresponding to the largest number of respondents, and the like, using the response to the query information. . In addition, the financial automation device may transmit a response to the survey recorded in the database to the research providing server at predetermined intervals.

Further, according to another embodiment of the present invention, the financial automation device transmits a response to the survey to the research providing server through a predetermined communication network, and receives the currently aggregated survey result from the research providing server. can do.

In operation S540, the financial automation device may display the survey result according to the response on the display means.

According to an embodiment of the present invention, the financial automation device may process the survey result and display it on the display means. According to the present embodiment, the financial automation device may process the survey result using a chart and display the processed survey result on the display means. The diagram may include a pie graph, a bar graph, a line graph, and the like.

So far, the operating method of the financial automation device that provides the questionnaire function according to the present invention has been described, and the aforementioned contents of the embodiments of FIGS. 1 to 4 can be applied to the present embodiment as it is. The contents will be omitted.

The method of operating a 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 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.

Promote user participation in the survey by providing the user with query information about the survey, providing the user with the query information about the survey, and providing a reward corresponding to the response to the query information from the user. It is possible to provide a financial automation device and a financial automation device employing the above method.

In addition, according to the present invention it is possible to present a new revenue model according to the survey by providing a financial automation device and a method for providing a query information about the survey to the user to receive a response to the query information from the user. .

In addition, according to the present invention, the financial automation device provides the user with query information about the questionnaire during a waiting time occurring during the processing of the financial transaction, and provides the user with the result of the questionnaire about the question information, thereby unnecessary waiting of the user Can reduce the time.

In addition, according to the present invention by matching the user information and the user condition information of the user responding to the query information provided by the financial automation device, so that only the response results of the user that satisfies the predetermined conditions reflected in the survey results meaningful survey results Can be generated.

Claims (13)

In a financial automation device that performs a user's financial transaction processing, A query information receiver for downloading query information for a survey from a predetermined research providing server; A query information provider for providing the query information to the user through a predetermined display means; And Reward payment unit for receiving a response to the query information from the user, and pays a predetermined reward to the user Financial automation device comprising a. The method of claim 1, And the reward payment unit reduces a fee for processing the financial transaction as the reward. The method of claim 1, The financial automation device further includes a user information reading unit which receives a financial transaction means from the user and reads user information from the financial transaction means. The financial automation device downloads the user condition information, And the reward payment unit classifies the response into a meaningful survey result and provides the reward only when the read user information corresponds to the user condition information. The method of claim 3, And the user is a user who has received a survey guide message provided when the user information corresponds to the user information. The method of claim 3, The financial transaction means is a credit card, The reward payment unit financial automation device, characterized in that for earning a predetermined point corresponding to the survey on the earning card. The method of claim 1, The query information providing unit And determining whether the time required for the financial transaction processing is greater than or equal to a predetermined time, and providing the query information to the user when the determination result is greater than or equal to a predetermined time. The method of claim 1, The financial automation device Survey result display unit for displaying the survey result according to the response on the display means Financial automation device further comprising. The method of claim 7, wherein The financial automation device Survey result generation unit for generating a survey result using the response to the query information More, The survey result display unit And processing the survey result and displaying the survey result on the display means. The method of claim 8, The financial automation device A database recording unit for recording a response to the received query information in a predetermined database; And Response transmitting unit for transmitting a response to the survey recorded in the database to the research providing server at predetermined intervals Financial automation device further comprising. The method of claim 7, wherein The financial automation device further includes a survey result receiving unit which transmits a response to the survey to the research providing server through a predetermined communication network, and receives a survey result currently aggregated from the research providing server. And the survey result display unit processes and displays the received survey result on the display means. The method of claim 7, wherein The survey result display unit And processing the survey result using a chart, and displaying the processed survey result on the display means. In the operation method of the financial automation device, Downloading query information for a survey from a predetermined research providing server; Providing the query information to a user through predetermined display means; And Receiving a response to the query information from the user and paying a predetermined reward to the user Method of operating a financial automation device comprising a. A computer-readable recording medium in which a program for executing the method of claim 12 is recorded.

Images