KR20070111644A - Printing of disposable financial service coupon in financial service system and method for operating the same - Google Patents

Abstract

A financial transaction system issuing a disposal financial transaction coupon is provided to enable a user to perform financial transaction through an ATM without a cash card or a bankbook by authenticating a requester with an identification unit and issuing a one-time financial transaction coupon. A transaction authentication system(120) transmits information of a requester obtained by using the identification unit and issues the one-time financial transaction coupon to the requester by connecting to a financial server(110) through the network. The ATM(130) allows the request to access to the ATM by recognizing the one-time financial transaction coupon and discards the one-time financial transaction coupon after the financial transaction is completed. The financial server compares the information of the requester by using a database storing biometric and ID information of a customer and checks whether the information of the one-time financial transaction coupon from the ATM is normal or abnormal. The financial server includes a communication device(112), a customer information database(116), and a controller(114).

Description

Printing of Disposable Financial Service Coupon in Financial Service System and method for operating the same}

1 is a block diagram of a financial transaction system for issuing a disposable financial transaction coupon according to an embodiment of the present invention.

2 is an internal block diagram of a transaction authentication device according to an embodiment of the present invention.

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

4 is a flowchart illustrating a support step of a financial transaction system for issuing a disposable financial transaction coupon according to an embodiment of the present invention.

5 is a flowchart illustrating a support step of a financial transaction system for issuing a disposable financial transaction coupon according to an embodiment of the present invention.

* Description of the symbols for the main parts of the drawings *

116: customer information database 210: biometric unit

220: scanner 250: coupon issuance unit

380: RFID Reader 382: Antenna

384: RFID reader 390: coupon closure

The present invention relates to a financial transaction system for issuing a one-time financial transaction coupon. More specifically, the identification request unit is used to identify a user who issues a coupon within a short time, and a financial transaction coupon for one-time financial transaction is performed. The invention relates to an invention in which a financial institution user can perform financial transactions through a financial automation device without a cash card or bank account.

In recent years, the five-day week system of most companies has led to the use of financial automation devices such as ATMs and CDs, rather than directly going to banks. Various functions are being implemented and used in financial automation devices to provide unmanned services without consulting.

In addition, the installation of financial automation equipment is gradually increasing according to the 5-day workweek of the bank, and accordingly, the number of financial automation equipment is increasing. Currently, financial automation devices are being implemented in consideration of not only main tasks but also various additional functions, and are continuously developing financial automation devices to improve bank competitiveness and customer satisfaction.

However, in order to conduct financial transactions with such financial automation devices, financial transactions are impossible without a cash card or bankbook, and users of financial institutions who do not possess the cash card or bankbook are urgently visiting the financial institution to withdraw money. When I wanted to withdraw, I was not comfortable with it. In addition, financial institution users complained that their accounts exist and have balances, and that the traders cannot trade despite the fact that the parties are correct.

In order to solve the above problems, the present invention has been proposed, by using the identity recognition unit to verify that the issuer of the coupon is a user within a short time, issuing a financial transaction coupon to perform a financial transaction for a single-use financial institution users cash It is aimed at maximizing customer satisfaction and encouraging continuous use of financial automation devices, as it allows financial transactions to be performed through financial automation devices without a card or bankbook.

In order to achieve the above object, the present invention, when the issuing requestor presses the financial transaction coupon issuance request button of the transaction authentication device, receiving the user information according to the guidance, and is issued through the identity recognition unit of the transaction authentication device Photographing the requestor's image and converting it into a form of digital data; and confirming whether the issuer is the identity of the issuer by transmitting the input information of the issuer and the image of the issuer to the financial server; If it is confirmed that the person is himself / herself, issuing a financial transaction coupon including predetermined information necessary for financial transactions, selecting a desired trading account and a transaction type among the transaction accounts owned by the issuing requester; After validating the financial transaction coupon, verify that it is a valid coupon issued successfully. If the method comprising: completing a transaction to proceed if the offer, the transaction is completed normally takes place in the sub-step of deleting the coupon disposed of as information of the financial transaction vouchers.

In addition, in the present invention to control each of the steps, the financial server is connected to the communication network and the financial transaction coupon that can transmit the data of the issuer obtained by using the identification unit, and can perform financial transactions on a one-time basis Recognize the issuing transaction authentication device, the financial transaction coupon issued by the transaction authentication device to perform a financial transaction, and when the transaction is completed, a financial automation device that discards the financial transaction coupon, and stores biometric information and identity information of the customer. Comprising and comparing the data of the issuing requester received from the transaction authentication device, including a database, and checks the information of the financial transaction coupon received from the financial automation device provided with a financial server to check whether the valid coupon issued normally It is characterized by.

Hereinafter, preferred embodiments of the present invention will be described with reference to the accompanying drawings. In the following reference numerals to the components of each drawing it should be noted that the same reference numerals for the same elements, even if shown on the other drawings as possible.

1 is a block diagram of a financial transaction system for issuing a disposable financial transaction coupon according to an embodiment of the present invention.

Referring to FIG. 1, a financial transaction system for issuing a disposable financial transaction coupon includes a financial server 110, a transaction authentication device 120, and a financial automation device 130. First, the transaction authentication device 120 is identified. The issuing requester's data obtained by using the recognition unit is transmitted to the financial server 110, and the financial server 110 reads the customer information database 116 in which the biometric information and the identity information of the customer are stored, and receives the received issue. Determines whether the requestor's data and information match. If the information is matched with the identity of the issuing requester of the issuer and the authentication information is transmitted to the transaction authentication device 120, the transaction authentication device 120 receives the account information and authentication information to receive a one-time financial transaction Issue a financial transaction coupon. The financial automation device 130 recognizes the financial transaction coupon by the user to proceed with the financial transaction and discards the financial transaction coupon when the financial transaction is completed normally.

The financial server 110 converts the data transmitted through the network into a data format used by the financial server 110 in order to determine whether the issuer's data received from the transaction authentication device 120 is a legitimate user. 112, a customer information database 116 storing biometric information and identity information of the customer, issuance data read from the customer request information database 116 and issuer data transmitted from the transaction authentication device 120; The controller 114 may be configured to compare information of the requestor and determine whether the issuer is a legitimate user.

The customer information database 116 includes a function that is established by the bank itself or connected to a database of the national institution information network in which the information of the issuing requester is stored. By using the database of the national institution, it is possible to fundamentally prevent the use by forgery / forgery of the identification means. In addition, the customer information database 116 is stored in a form that is matched to the user information, such as the customer's resident registration number or name, so that the issuer requesting the user information through the information input unit of the transaction authentication device 120 when issuing a request To enter. The issuer information extracted from the customer information database through the user information is compared with the issuer data transmitted from the transaction authentication device.

In addition, the financial server 110 reads the financial transaction coupon information received from the financial automation device 130 and determines whether the financial transaction coupon is a valid coupon issued normally.

The transaction authentication device 120 is connected to the financial server 110 through a communication network to transmit the data of the issuing requester obtained using the identification unit, and issue a financial transaction coupon that can perform financial transactions on a one-time basis. . The financial transaction coupon may be implemented in various ways such as a barcode and a magnetic card, but in the present invention, the RFID scheme will be used.

Important components of the RFID system are an RFID reader and an RFID tag. In the present invention, an RFID reader is installed in the financial automation device 130 to recognize the RFID tag which is a financial transaction coupon.

The financial automation device 130 recognizes the valid financial transaction coupon issued normally by recognizing RFID information of the financial transaction coupon issued by the transaction authentication device 120, exchanges data with the financial server 110 and finances Perform a transaction. In addition, when the financial transaction is completed, the financial transaction coupon is discarded so that it cannot be used again.

2 is an internal block diagram of a transaction authentication device according to an embodiment of the present invention. The transaction authentication device includes an identity recognition unit 210, an information input unit 220, an output unit 230, a communication unit 240, a coupon issuing unit 250, a central processing unit 260 to confirm the identity of the issuing requester. And issue a one-time financial transaction coupon.

The identity recognition unit 210 reads the identity information of the issuing requester and provides it in a digital form, and scans the biometric unit 214 for capturing the biometric image of the issuing requestor or the identification card of the issuing requester. And the like.

The biometric unit 214 photographs the biometric image of the issuer for identification, and provides the captured image data in the form of digital data. The biometric unit 214 is a face recognition camera that captures a user's face image and provides it in the form of digital data, an iris recognition unit that captures the user's iris image and provides it in the form of digital data, and prints a fingerprint of the issuer. And a fingerprint recognition unit that converts the scanned fingerprint image into digital information fingerprint information after scanning. In addition, in order to prepare for a situation where identification is uncertain by comparing only one biological image, the face recognition camera, an iris recognition unit, and a fingerprint recognition unit may be provided.

In addition, in order to prevent the image of the issuing requester from becoming obscure because the environment in which the transaction authentication device of the present invention is installed is dark, an illumination device 212 linked with a face recognition camera may be further provided. If the lighting device 212 is always turned on, the power consumption is high, it is preferable that the lighting device 212 is operated by the issuing requestor for a predetermined time when the face recognition camera is operated by pressing the issue request button.

The scanner 216 scans an identification card such as a resident registration card or a driver's license of the issuing requester for identification and provides the scan data in the form of digital data. The scan data may use the entire ID card image, or may extract and use only unique information of the issuer, such as a resident registration number, a photo, and a fingerprint image.

The information input unit 220 includes a request button for issuing a financial transaction coupon, and receives user information such as a resident registration number or a name of the issuing requester so as to extract customer information corresponding to the issuing requester from the customer information database in the financial server.

The output unit 230 receives at least one input information generated from the information input unit 220 and the like and various kinds of information and signals extracted and generated in the process of controlling the transaction authentication device by the central processing unit 260. Outputs to a predetermined screen and or speaker provided in the authentication device.

The communication unit 240 is connected to the financial server through a communication network to convert the data of the issuing requester and user information into a protocol suitable for the network, and transmits the data to the financial server and requests the financial server to determine whether the identity is verified. The financial server checks whether the issuer is the user with the transmitted data and transmits the verification result to the transaction authentication device.

When the coupon issuing unit 250 confirms that the issuing requester is himself / herself by the financial server, the coupon issuing information is recorded in the RFID tag, and the disposable financial transaction coupon including the RFID tag is issued.

The general configuration of the financial transaction coupon includes a control unit for providing arithmetic and data input / output functions, a memory unit for storing RFID information, and a wireless transceiver for wirelessly communicating with an antenna of an RFID reader.

The control unit of the financial transaction coupon inputs and outputs RFID information included in the memory unit in response to a radio frequency signal received from a wireless transceiver through an antenna of an RFID reader, and externally receives the input / output RFID information through a wireless transceiver. Control and manage the process to transmit to the RFID reader of the automated device. The memory unit of the financial transaction coupon is a memory that stores RFID information to be provided to the RFID reader according to a radio frequency signal transmitted and received through the wireless transceiver.

The wireless transceiver of the financial transaction coupon receives a radio frequency signal of the RFID reader to provide to the control unit, the control unit provides a function to transmit the RFID information extracted from the memory unit to the RFID reader via a radio frequency signal.

RFID information of the financial transaction coupon is composed of the account number, the transaction type, authentication information, coupon number, issuance time, etc. necessary information in the account owned by the issuing requester. The coupon number is generated based on a random number with no possibility of collision.

The central processing unit 260 controls and manages the overall operation according to the present invention, and transmits the data of the issuing requestor extracted through the identity recognition unit 210 to the financial server, and determines that the issuing requester is a legitimate user. Issue a one-time financial transaction coupon that contains information necessary for financial transactions.

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

Referring to FIG. 3, a general financial automation device includes a plurality of keys for basic input / output, and a key input unit 310 for converting and outputting user input information into an electrical signal, and a bankbook / card for recognizing an inserted bankbook or a card. There is a recognition unit 320, and check / cash withdrawal unit 330 that performs the deposit and withdrawal function of the check / cash.

In addition to the above, for a general transaction, a storage unit 350 for storing a program for controlling the system or transaction details of a financial automation device, a communication unit 370 for exchanging information with a host computer of the bank, and The control unit 400 for exchanging information with the host computer of the bank through the communication unit 370 of, the display unit 360 for displaying the transaction details, etc., and print the transaction details on the account book, and prints the transaction statement There is a printing unit 340 to output.

In the financial transaction, when the user inserts a bankbook or card, the bankbook / card recognition unit 320 recognizes this, and then the user checks the contents displayed on the display unit 360 and performs the financial transaction through the key input unit 310. When the password is input according to the guidance, the controller 400 connects with the financial server through the communication unit 370 to exchange data, and proceed with the financial transaction.

Subsequently, after the transaction details of the financial automation device are stored in the storage unit 350, the printing unit 340 prints the transaction details on the account book, and prints and prints the transaction statement. The transaction can be completed by providing the user through a cash machine or a financial automation device.

In the present invention, the RFID reader 380 for recognizing a financial transaction coupon and a coupon disposal unit 390 for discarding the financial transaction coupon are provided so that the financial transaction can be performed once using the financial transaction coupon.

The RFID reader 380 is a device for transmitting and receiving radio frequency signals to and from the wireless transceiver of the financial transaction coupon recognized by accessing the financial automation device, and reads the RFID information from the financial transaction coupon through the radio frequency signal, and also the corresponding financial The RFID information received from the trading coupon is processed into a format suitable for information processing, and is analyzed and analyzed to extract or generate at least one or more relation information therefrom.

The RFID reader 380 includes an antenna 382 for communicating through a radio frequency signal, and an RFID reader 384 for reading RFID information received from the financial transaction coupon.

When a user possessing a financial transaction coupon tries to use a financial automation device, the financial automation device analyzes RFID information of the financial transaction coupon and registers it with the financial server through the RFID reader 384 of the RFID reader 380. Determine if it is a financial transaction coupon. To this end, the antenna 382 generates an RFID detection signal for finding a financial transaction coupon. The generated RFID detection signal is transmitted to the financial transaction coupon within a predetermined distance through a wireless medium to deliver energy to the financial transaction coupon. When the financial transaction coupon receives the RFID detection signal, the financial transaction coupon transmits an RFID response signal including RFID unique information to the RFID reader 384.

When RFID information is received from the financial transaction coupon, the RFID reader 384 analyzes the RFID information. The RFID information includes a coupon number consisting of random numbers with no possibility of collision. The coupon number is transmitted to a financial server to check whether the financial transaction coupon is a valid coupon issued normally. In addition, the issue time included in the RFID information is checked to deny recognition of the financial transaction coupon when a predetermined time set by the financial institution manager passes.

The RFID detection signal is generated when a user tries to use an authentication device. For example, when a user of a transaction authentication device presses a transaction button, an RFID detection signal may be generated.

The coupon discard unit 390 deletes or deactivates the RFID tag of the financial transaction coupon through a predetermined electronic process when the financial transaction is normally completed and the financial transaction coupon is determined to be removed. For example, the coupon disposing unit 390 may remove or delete the financial transaction coupon by transmitting a pulse in which a predetermined deletion or inactivation command that can be recognized by the controller provided on the RFID tag of the financial transaction coupon is transmitted. do.

4 is a flowchart illustrating a support step of a financial transaction system for issuing a disposable financial transaction coupon according to an embodiment of the present invention.

First, if the issuing requester presses the financial transaction coupon issuance request button of the transaction authentication device 120 (S402), the user inputs the user's registration number and name of the issuer according to the guidance (S404).

When the user information input is completed, the biometric unit 214 of the transaction authentication device captures the biometric image of the issuer (S406), and performs a preprocessing process to convert the captured image data into digital data. (S408).

Subsequently, the communication unit 112 of the transaction authentication device transmits the user information of the issuing requester and the biometric data to the financial server 110 (S410), and the financial server 110 receiving the data transmits the requesting user. The customer information database 116 matching the input information is searched and compared with the biometric data to confirm whether the issuer is the identity of the issuer (S412).

When it is confirmed that the issuing requester is himself / herself, the transaction account and the transaction type owned by the issuing requester are displayed on the output unit 230, and the issuing requester is selected for the desired transaction account and transaction type (S414). Subsequently, the financial automation device 130 issues a financial transaction coupon including an account number, a transaction type, authentication information, a coupon number, an issuance time, etc. necessary for the financial transaction (S416).

On the other hand, if the identity is not confirmed, the financial transaction coupon issuing process is stopped.

The financial automation device 130 recognizes the financial transaction coupon through the antenna 382 of the RFID reader 380 (S418), and reads the RFID information of the financial transaction coupon through the RFID reader 384 (S420). . Subsequently, the read financial transaction coupon information is transmitted to the financial server 110 through the communication unit 370, and the financial server 110 checks the issuing time of the coupon to determine whether the coupon is valid and legally through the coupon number. It is determined whether the financial transaction coupon has been issued (S422).

If the valid coupon is normally issued as a result of the determination, the user proceeds a transaction through the key input unit 310 while checking the content displayed on the display unit 360 of the financial automation device 130 to normally perform the financial transaction desired by the user. Complete (S424).

If the transaction is normally completed, the coupon closing unit 390 deletes or deactivates the RFID tag of the financial transaction coupon through a predetermined electronic process and notifies the financial server 110 of the information of the removed financial transaction coupon (S426). ).

5 is a flowchart illustrating a support step of a financial transaction system for issuing a disposable financial transaction coupon according to an embodiment of the present invention.

First, if the issuing requester presses the financial transaction coupon issuance request button of the transaction authentication device 120 (S502), the user inputs the user's registration number and name of the issuer according to the guidance (S504).

When the user information input is completed, the scanner 216 of the transaction authentication device scans the identification card of the issuing requester (S506), and performs a preprocessing process to convert the scanned image data into digital data (S508). ).

Subsequently, the communication unit 240 of the transaction authentication device transmits the user information of the issuing requester and the scan data to the financial server 110 (S510), and the financial server 110 receiving the scan data is sent to the issuing requester. The customer information database 116 matching the input information is searched and compared with the scan data to confirm whether the issuer is the identity of the issuer (S512).

When it is confirmed that the issuing requester is himself / herself, the transaction account and transaction type owned by the issuing requester are displayed on the output unit 230 to receive a selection of a transaction account and a transaction type desired by the issuer (S514). Subsequently, the financial automation device 130 issues a financial transaction coupon including an account number, a transaction type, authentication information, a coupon number, an issuing time, etc. necessary for the financial transaction (S516).

On the other hand, if the identity is not confirmed, the financial transaction coupon issuing process is stopped.

The financial automation device 130 recognizes the financial transaction coupon through the antenna 382 of the RFID reader 380 (S518), and reads the RFID information of the financial transaction coupon through the RFID reader 384 (S520). . Subsequently, the read financial transaction coupon information is transmitted to the financial server 110 through the communication unit 370, and the financial server 110 checks the issuing time of the coupon to determine whether the coupon is valid and legally through the coupon number. It is determined whether the financial transaction coupon has been issued (S522).

If the valid coupon is normally issued as a result of the determination, the user proceeds a transaction through the key input unit 310 while checking the content displayed on the display unit 360 of the financial automation device 130 to normally perform the financial transaction desired by the user. Complete (S524).

When the transaction is normally completed, the coupon closing unit 390 deletes or deactivates the RFID tag of the financial transaction coupon through a predetermined electronic process, and notifies the financial server 110 of the information of the removed financial transaction coupon (S526). ).

In the present invention, the identification may be provided by only one of the identification units such as a biometric unit or a scanner, and in order to prepare for the situation where the identity verification is uncertain with one identity unit, the biometric unit, the scanner, etc. may be provided. Can be. If there is more than one identity recognition unit, the issuing requester is further provided with an identity recognition unit selection step of the user in the step of pressing the financial transaction coupon issuance request button of the transaction authentication device.

In addition, when the issuance time of the financial transaction coupon exceeds a predetermined time set by the financial institution manager or when the coupon is determined to be invalid, the display unit 360 and the printing unit 340 inform the user that the coupon is a bad coupon. Output the predetermined information, immediately stop the financial transaction and discard the coupon. In addition, if it is not used after issuing a financial transaction coupon, this is solved by automatically discarding after a certain time.

In the above description of the present invention has been described with respect to specific embodiments, such as financial automation equipment, various modifications can be carried out without departing from the scope of the invention. Therefore, the patent scope of the present invention is not to be determined by the above-described embodiment and will be apparent in the claims as well as equivalent scope.

As described above, the present invention, by using the identity recognition unit in a short time to confirm that the issuer of the coupon is issued by the user, issuing a financial transaction coupon for performing a financial transaction on a one-time basis, the user of a financial institution, a cash card or bankbook, It is aimed at maximizing customer satisfaction and encouraging continuous use of financial automation devices by enabling financial transactions through financial automation devices even without their own ID.

In addition, since the transaction is made after the use authentication, the transaction system can provide the customer service at a high speed by enabling transaction approval without a separate approval procedure.

Claims (13)

A transaction authentication device that is connected to a financial server and a communication network, transmits the data of the issuing requester obtained by using an identity recognition unit, and issues a financial transaction coupon to perform a financial transaction on a one-time basis; A financial automation device that recognizes the financial transaction coupon issued by the transaction authentication device, performs a financial transaction, and discards the financial transaction coupon when the transaction is completed; Comparing and confirming the data of the issuing requestor received from the transaction authentication device, including the database storing the customer's biometric information and identity information, and valid coupon issued by verifying the information of the financial transaction coupon received from the financial automation device Financial server to check if Financial transaction system for issuing a disposable financial transaction coupon with a. The method of claim 1, wherein the financial server A communication unit for converting data transmitted through a network into a data format used by the financial server; A customer information database that stores customer biometric and identity information; And a control unit for comparing the issuer's data transmitted from the transaction authentication device with the issuer's information read from the customer information database to determine whether the issuer is a legitimate user. Issuing financial transaction system. 3. The method of claim 2, wherein the customer information database further includes a function of connecting to a database of a national institution in which the information of the issuing requester is stored if the bank is not built by the bank itself. Financial transaction system. The method of claim 1, wherein the financial automation device In a financial automation device having a key input unit for a financial transaction, a check / cash input / output unit, a bankbook / card recognition unit, a printing unit, a display unit, and a communication unit, An RFID reader for performing a financial transaction by recognizing a financial transaction coupon issued by the transaction authentication device; A coupon dismissal unit for deleting the information of the financial transaction coupon so that the financial transaction coupon cannot be used again when the financial transaction is completed normally; The control unit controls each of the components, and recognizes the financial transaction coupon to proceed with the financial transaction, and the financial issuing a one-time financial transaction coupon, characterized in that it comprises a control unit for deleting the information of the financial transaction coupon upon completion of the normal financial transaction. Trading system. The financial transaction system of claim 1, wherein the financial transaction coupon is issued a one-time financial transaction coupon. 6. The one-time financial transaction of claim 5, wherein the RFID tag of the financial transaction coupon includes an account number, a transaction type, authentication information, a coupon number, an issuing time, etc. of the accounts owned by the issuing requester. Financial transaction system for issuing coupons. 7. The financial transaction system of claim 6, wherein the financial transaction coupon cannot be used in a financial automation device after a predetermined time based on the issuance time. In a financial automation device having a key input unit for a financial transaction, a check / cash input / output unit, a bankbook / card recognition unit, a printing unit, a display unit, and a communication unit, An RFID reader for performing a financial transaction by recognizing a financial transaction coupon issued by the transaction authentication device; A coupon dismissal unit for deleting the information of the financial transaction coupon so that the financial transaction coupon cannot be used again when the financial transaction is completed normally; The control unit controls each of the components, and recognizes the financial transaction coupon to proceed with the financial transaction, and the financial issuing a one-time financial transaction coupon, characterized in that it comprises a control unit for deleting the information of the financial transaction coupon upon completion of the normal financial transaction. Automation device. If the issuing requestor presses a button for issuing a financial transaction coupon of a transaction authentication device, receiving user information according to the guidance; Photographing the image of the issuing requester through an identity recognition unit of the transaction authentication device and converting the image into a form of digital data; Transmitting the input information of the issuing requester and the image of the issuing requester to a financial server to confirm whether the issuing requester is the person; If it is confirmed that the issuing requester is himself / herself, selecting a desired trading account and a transaction type among the trading accounts owned by the issuing requester, and issuing a financial transaction coupon including predetermined information necessary for financial transactions; Recognizing the financial transaction coupon in the financial automation device and checking whether the coupon is a valid coupon that is normally issued; The method of issuing a one-time financial transaction coupon of the financial transaction system comprising the step of deleting the information of the financial transaction coupon in the coupon closing unit when the transaction is completed normally. 10. The method of claim 9, wherein the user information is inputted with unique information such as a resident registration number or a name of the issuing requester. 10. The method of claim 9, wherein when the issuance time of the financial transaction coupon exceeds a predetermined time set by a financial institution manager or when the financial transaction coupon is not valid, the financial transaction coupon is immediately stopped and the coupon is discarded. Disposable financial transaction coupon issue method of the financial transaction system 10. The method of claim 9, wherein the identification unit comprises a biometric unit for capturing a biometric image of the issuing requestor, a scanner for scanning an issuing requester's identification card, and the like. 10. The method of claim 9, further comprising the step of selecting an identity recognition unit of the user when there are two or more identity recognition units.

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