KR20080062795A - Automatic teller machine for providing benefit service - Google Patents

Automatic teller machine for providing benefit service Download PDF

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Publication number
KR20080062795A
KR20080062795A KR1020060138912A KR20060138912A KR20080062795A KR 20080062795 A KR20080062795 A KR 20080062795A KR 1020060138912 A KR1020060138912 A KR 1020060138912A KR 20060138912 A KR20060138912 A KR 20060138912A KR 20080062795 A KR20080062795 A KR 20080062795A
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KR
South Korea
Prior art keywords
financial transaction
service
user
financial
benefit
Prior art date
Application number
KR1020060138912A
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Korean (ko)
Inventor
문기훈
Original Assignee
노틸러스효성 주식회사
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Priority to KR1020060138912A priority Critical patent/KR20080062795A/en
Publication of KR20080062795A publication Critical patent/KR20080062795A/en

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    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q30/00—Commerce
    • G06Q30/02—Marketing; Price estimation or determination; Fundraising
    • G06Q30/0207—Discounts or incentives, e.g. coupons or rebates
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
    • G06Q40/02—Banking, e.g. interest calculation or account maintenance
    • G—PHYSICS
    • G07—CHECKING-DEVICES
    • G07F—COIN-FREED OR LIKE APPARATUS
    • G07F19/00—Complete banking systems; Coded card-freed arrangements adapted for dispensing or receiving monies or the like and posting such transactions to existing accounts, e.g. automatic teller machines
    • G07F19/20—Automatic teller machines [ATMs]
    • Y—GENERAL TAGGING OF NEW TECHNOLOGICAL DEVELOPMENTS; GENERAL TAGGING OF CROSS-SECTIONAL TECHNOLOGIES SPANNING OVER SEVERAL SECTIONS OF THE IPC; TECHNICAL SUBJECTS COVERED BY FORMER USPC CROSS-REFERENCE ART COLLECTIONS [XRACs] AND DIGESTS
    • Y10—TECHNICAL SUBJECTS COVERED BY FORMER USPC
    • Y10S—TECHNICAL SUBJECTS COVERED BY FORMER USPC CROSS-REFERENCE ART COLLECTIONS [XRACs] AND DIGESTS
    • Y10S902/00—Electronic funds transfer
    • Y10S902/08—Terminal* with means permitting deposit or withdrawal, e.g. ATM

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  • Business, Economics & Management (AREA)
  • Accounting & Taxation (AREA)
  • Finance (AREA)
  • Engineering & Computer Science (AREA)
  • Physics & Mathematics (AREA)
  • General Physics & Mathematics (AREA)
  • Development Economics (AREA)
  • Strategic Management (AREA)
  • Marketing (AREA)
  • Economics (AREA)
  • General Business, Economics & Management (AREA)
  • Theoretical Computer Science (AREA)
  • Technology Law (AREA)
  • Entrepreneurship & Innovation (AREA)
  • Game Theory and Decision Science (AREA)
  • Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)

Abstract

An automatic teller machine for supplying benefit service is provided to revitalize a financial transaction by accumulating a cashback corresponding to service charge benefit for a user's constant transaction. An automatic teller machine(203) for supplying benefit service includes a menu output unit(301), a financial transaction request receiving unit(302), a financial transaction performing unit(303), and a benefit service supplying unit(304). The menu output unit supplies a financial transaction service menu to a user. The financial transaction request receiving unit receives a financial transaction service request selected from the financial transaction service menu by the user. The financial transaction performing unit supplies financial transaction service in response to the financial transaction service request. The benefit service supplying unit supplies the user with the benefit service corresponding to the financial transaction.

Description

AUTOMATIC TELLER MACHINE FOR PROVIDING BENEFIT SERVICE}

1 illustrates a general structure of a financial automation device.

2 is a diagram illustrating a network configuration for providing financial transaction service benefits according to an embodiment of the present invention.

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

4 is a diagram illustrating examples of a user interface screen of a financial automation device for providing a financial transaction benefit service according to an embodiment of the present invention.

5 is a flowchart illustrating a method for providing a financial transaction benefit service using a financial automation device according to the present invention.

<Explanation of symbols for the main parts of the drawings>

301: menu output unit

302: financial transaction execution unit

303: Benefit Service Provider

304: financial transaction request receiving unit

The present invention relates to a method for providing a predetermined benefit to a user who performs a financial transaction service using a financial automation device and a financial automation device for performing the method. More specifically, the financial transaction service for the financial automation device is provided. The present invention relates to a method of providing a fee discount and a cashback earning benefit to a user who has continuously used the service, and a financial automation device that performs the method.

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 customer's waiting time has been significantly reduced, and even after the financial institution is closed, the customer can benefit from financial transactions whenever they want. Not only the customers, but also the financial institution's processing time is reduced, and the workforce is reduced due to the reduction of manpower and cost.

In recent years, convenience has been added to financial automation devices, such as banks, insurance, and credit cards, which have been added to various functions, such as booking tickets for planes or trains, and booking cultural events such as theaters, theaters, and concerts. To maximize even more.

However, a bank or financial automation device company charges users a small fee in exchange for providing such a convenience. As the value added function of financial automation equipment increases, the amount of commission increases due to the high labor costs and costs for maintenance and management. Accordingly, the user's rejection of the use of financial automation equipment is also increasing.

Therefore, when a user uses various financial transaction services using a financial automation device, the present invention provides a predetermined benefit, thereby suggesting a new technology that allows a user to increase the frequency of use of the financial automation device.

The present invention has been made to improve the prior art as described above, in the method of providing a fee discount according to the user's financial transactions, by providing a predetermined benefit for the user's continuous financial transactions, to pay the fee on the financial transaction It is aimed at activating a user's financial transaction using a financial automation device by reducing the rejection of the objection and accumulating and providing a cashback corresponding to the fee benefit.

In order to achieve the above object and to solve the above-mentioned problems of the prior art, a financial automation device for providing financial transaction service benefits in conjunction with a benefit service provider according to an embodiment of the present invention is a financial transaction service to the user. A menu output unit for providing a menu, a financial transaction request receiving unit for selecting a financial transaction service request from the financial transaction service menu from the user, a financial transaction performing unit for providing a financial transaction service in response to the financial transaction service request, and the It characterized in that it comprises a benefit service provider for providing a benefit service corresponding to the financial transaction to the user.

In addition, the benefit service providing unit according to the present invention is characterized in that it provides benefits on the financial transaction when the user proceeds to the financial transaction continuously in conjunction with the financial automation device.

In addition, a method for providing financial transaction service benefits in conjunction with a predetermined benefit service providing unit according to the present invention includes providing a financial transaction service menu to a user, requesting a financial transaction service request from the financial transaction service menu from the user. Receiving a selection, providing a financial transaction service in response to the financial transaction service request, and providing a benefit service for the financial transaction when a second financial transaction service request is further received before the financial transaction is terminated. Characterized in that it comprises a.

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

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

The term "cashback" used in the present invention encompasses all kinds of reward systems that are commonly used in commerce today, such as points, miles, and bonus points, which the seller provides as part of the reward activity for the user's purchase activity. It can be interpreted as a concept. Typically, the cashback may be determined in proportion to the value of the goods or services purchased by the user.

1 illustrates a general structure of a financial automation device. Reference numeral 101 denotes an operation terminal that receives a menu selection and operation for a financial transaction from a user. The manipulation terminal may be implemented as a touch screen or a keypad. In addition, reference numeral 102 denotes an entry / exit part of a banknote for counting and storing banknotes, and reference numeral 103 denotes an account book for reading a bankbook and performing bankbook rearranging. Reference numeral 104 is a card reader that reads a card according to a user's financial transaction card input and performs card related tasks. The card reader 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 may further include a communication unit for accessing the central server, a controller for controlling the operation of the financial automation device, a memory unit for storing various data, and a printing module.

2 is a diagram illustrating a network configuration for providing financial transaction service benefits according to an embodiment of the present invention.

As shown in FIG. 2, the network for providing a cashback earning benefit according to the present invention includes a cashback operator 201, a cashback management server 202, and a financial automation device 203. Hereinafter, the function of each component will be described in detail.

When the user uses the financial transaction service using the financial automation device and re-uses the financial transaction service continuously before the end of the financial transaction, the cashback operator 201 may use a predetermined cashback of the user's financial transaction means or a separate cash back card. Earn on. The user may be provided with a product purchase or cash repayment using the accumulated cash back.

The cacheback management server 202 is connected to the cacheback operators 201, while managing a plurality of cachebacks associated with the user, and performs a continuous cacheback information update task through cashback deduction or accumulation.

The financial automation device 203 provides a variety of additional services such as ticketing and various financial services such as banks, insurance, and credit cards, and provides cash back accumulation benefits to the user in conjunction with the cashback management server 202. to provide.

In addition, the financial automation device 203 according to the present invention may provide a fee reduction benefit according to the use of the service in addition to the cash back accumulation if the user desires.

According to the present invention, the cashback operator 201 and the cashback management server 202, the cashback management server 202 and the financial automation device 203 is a variety of data for cashback accumulation and fee reduction using a predetermined communication network Can send and receive As an example of the communication network, at least one of an IP protocol-based Internet network, FTTH / O / C (broadband network), ATM (broadband communication network), CATV network, as well as LAN, ADSL, Ethernet Firewall & VPN and Loadbalancer & CDN Can be used.

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

As shown in the figure, the financial automation device 203 for payment of fees according to the present invention includes a menu output unit 301, a financial transaction request receiver 302, a financial transaction execution unit 303, and a benefit service provider ( 304).

The menu output unit 301 provides a financial transaction service menu for the financial transaction to the user and displays the user to select a financial transaction item. The financial transaction service according to the present invention may include all kinds of services provided by today's financial automation devices, such as withdrawal service, bank transfer service, utility bill payment service, deposit and withdrawal history checking service, and bankbook arranging service.

The financial transaction request receiving unit 302 receives a financial transaction request from a financial transaction service menu provided by the menu output unit 301. In order to select a financial transaction request, the user may receive predetermined financial transaction request information from the user. The financial transaction request information includes user identification information associated with at least one of a user's financial transaction means, such as a credit card, a debit card, and an account.

Frequently, financial transactions, such as bank accounts, credit cards and debit cards, are generally distinguishable by uniquely identifiable identification numbers and are equipped with a magnetic strip that stores these identification numbers. In addition, the identification number may be stored using an integrated circuit (IC) chip instead of the magnetic stripe.

The financial transaction request receiving unit 302 receives a financial transaction means from a user and reads user identification information by accessing a predetermined user database (not shown) through the magnetic strip of the financial transaction means or the IC chip. Can be. The user identification information includes information for identifying a user in relation to a financial transaction. For example, the user identification information may include a user's bank, an account holder, and an account number.

In addition to the user identification information as the financial transaction request information, the financial transaction identification information including bank services such as deposit withdrawal and bank transfer is additionally input from the user.

The financial transaction performing unit 303 performs a financial transaction such as deposit withdrawal or bank transfer according to the financial transaction service request received by the financial transaction request receiving unit 302 and generates fee information according to the performed financial transaction. . In order to perform a financial transaction, a financial automation device may be connected to a central server (hereinafter, referred to as a "financial server") of a financial institution through a communication network.

The fee information generated by the financial transaction performing unit 303 includes a fee amount, and the fee amount may vary depending on the type of the financial transaction or the bank of the transaction.

The benefit service provider 304 provides a user with a benefit service corresponding to the financial transaction. According to the present invention, the benefit service provider 304 only receives a continuous financial transaction service request (“second financial transaction service request”) from the user or another user associated with the user prior to the end of the financial transaction. Benefit services can be provided.

As an example of a benefit service, a fee discount service may be provided. That is, as described above, when a fee related to a financial transaction occurs, the fee can be discounted to induce the user to continuously use the financial automation device.

As another example of a benefit service, a cashback earning service may be provided. That is, by transmitting the cashback information from the financial automation device 203 to the cacheback management server 202 can be stored in the user's cashback card. In another embodiment, it may be credited to the financial transaction means by sending cashback information to the financial server.

As another embodiment of the present invention, the benefit service provider 304 may further provide a benefit service corresponding to the second financial transaction service as well as the first financial transaction service.

4 is a diagram illustrating examples of a user interface screen from a financial automation device for providing a financial transaction benefit service according to an embodiment of the present invention.

Reference numeral 401 is an example of a screen for providing a financial transaction service menu to a user through the menu output unit 301 of the financial automation device. The user selects a desired financial transaction service request, inputs a financial transaction means such as a credit card, a debit card, and a bank account for a financial transaction, and selects a desired transaction menu on the provided financial transaction service menu screen.

Reference numeral 402 is an example of providing a benefit service to a user. For example, after the withdrawal transaction is completed, the user may provide a menu to select whether to continue the financial transaction with a message informing the user that a certain benefit is provided if the financial transaction is continuously performed before the financial transaction is terminated. .

The method of extracting user identification information for earning a user's cashback may be extracted from financial transaction means such as credit cards, debit cards, and bankbooks that the user has entered for financial transactions. A card may be required to be inserted and extracted from the cashback card. Alternatively, the user identification information may be extracted only by inputting the separate cashback card number.

For example, if a user completes a withdrawal service using a financial automation device and another user performs a separate financial transaction using his or her information continuously before the financial transaction service ends, the user or another user Cashback earning and fee reduction will be provided.

Reference numeral 403 is an example in which a user outputs a method of providing a benefit for a financial transaction service, and the user may directly receive a benefit of a desired type.

Reference numeral 404 is a diagram showing an example in which the processing result according to the financial service benefit provision is displayed to the user. It displays the final fee amount and the original fee amount exempted, and provides the user with the accumulated cashback history and whether the cashback is accumulated.

As an example, the user may receive a certain amount of cash as a cashback according to the number of financial transactions or the amount of financial transactions using the financial automation device.

5 is a flowchart illustrating a method for providing a financial transaction benefit service using a financial automation device according to the present invention.

In operation S501, a serviceable financial transaction service item (financial transaction service menu) is provided to the user. The financial transaction service menu according to the present invention may include all financial transaction services, such as withdrawal service, bank transfer service, utility bill payment service, deposit and withdrawal history checking service, and bankbook arranging service.

In step S502, a user receives a financial transaction service request from the financial transaction service menu. In order to select a financial transaction service, predetermined financial transaction request information may be input from a user. The financial transaction request information includes information associated with at least one of a user's credit card, debit card, and bank account for a financial transaction.

Step S503 performs (provides) a financial transaction service such as deposit withdrawal or bank transfer according to the financial transaction service request received in step S502, and commission information according to the financial transaction performed in step S504. Create The fee information includes a fee amount, and the fee amount may be different depending on the type of the financial transaction or the bank.

In step S505, if the user proceeds with another financial transaction consecutively before the end of the financial transaction, a message informing that the user is provided with a predetermined benefit may be provided, and in this regard, the user may select whether to continue the transaction.

In operation S506, the benefit service may be provided only when a user continuously receives another financial transaction service request (“second financial transaction service request”) from the user or another user associated with the user.

As another embodiment according to the present invention, in addition to the first financial transaction service, a corresponding benefit service may be further provided for the second financial transaction service. In addition, the benefits for the continuous financial transaction service request includes a commission discount service and a cashback earning service for the user.

The method for providing a financial transaction benefit service using 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. Examples of program instructions include not only machine code generated by a compiler, but also high-level language code that can be executed by a computer using an interpreter or the like. The hardware device described above may be configured to operate as one or more software modules to perform the operations of the present invention, and vice versa.

In the present invention as described above has been described by the specific embodiments, such as specific components and limited embodiments and drawings, but this is provided to help a more general understanding of the present invention, the present invention is not limited to the above embodiments. For those skilled in the art, various modifications and variations are possible from such description.

Therefore, the spirit of the present invention should not be limited to the described embodiments, and all the things that are equivalent to or equivalent to the claims as well as the following claims will belong to the scope of the present invention. .

According to the present invention, by providing a predetermined benefit for the user's continuous financial transactions, the user can obtain the effect of being reimbursed a certain portion of the fee by eliminating the psychological burden caused by the fee expenditure and the accumulation of cash back Automated device operators can further increase their utilization of financial automation devices.

In addition, in the case of banks and financial companies, financial users can be further reduced since many users use financial automation devices.

Claims (8)

A menu output unit for providing a financial transaction service menu to a user; A financial transaction request receiver configured to receive a financial transaction service request from the financial transaction service menu from the user; A financial transaction performing unit providing a financial transaction service in response to the financial transaction service request; And Benefit service provider for providing a benefit service corresponding to the financial transaction to the user Including, And the benefit service provider providing the benefit service when the financial transaction request receiver further receives a second financial transaction service request before the financial transaction ends. The method of claim 1, The financial transaction service is a financial automation device providing a benefit service, characterized in that the withdrawal transaction service. The method of claim 1, And said benefit service is a fee discount service for said financial transaction. The method of claim 1, The benefit service is a financial automation device providing a benefit service, characterized in that the cash back earning service for the user. The method of claim 4, wherein The cashback earning service is a financial automation device for providing a benefit service, characterized in that the cashback to the user's financial transaction means or cashback card. The method of claim 1, And the benefit service provider further provides a benefit service corresponding to the second financial transaction service. Providing a financial transaction service menu to a user; Receiving a financial transaction service request from the financial transaction service menu from the user; In response to the financial transaction service request, providing a financial transaction service; And Providing a benefit service for the financial transaction if a second financial transaction service request is further received before the financial transaction is terminated; Method for providing a benefit service using a financial automation device comprising a. A computer-readable recording medium having recorded thereon a program for performing the method of claim 7.
KR1020060138912A 2006-12-29 2006-12-29 Automatic teller machine for providing benefit service KR20080062795A (en)

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