KR20100052708A

KR20100052708A - Automatic teller machine

Info

Publication number: KR20100052708A
Application number: KR1020080111537A
Authority: KR
Inventors: 박인석
Original assignee: 노틸러스효성 주식회사
Priority date: 2008-11-11
Filing date: 2008-11-11
Publication date: 2010-05-20

Abstract

According to the present invention, the automatic teller machine according to the present invention provides a transfer module for returning a card located at a state of waiting for receipt of a card from the card insertion / ejection port as the selected condition is satisfied, and card information from the conveyed card. An authentication module for authenticating the user based on the lead module for reading, the lead card information, and identification information associated with the user of the card; And a control module for repositioning the card in / out port to the reception standby state.

Description

Financial Automation Equipment {AUTOMATIC TELLER MACHINE}

According to the present invention, when a selected condition is satisfied, a card placed in a waiting state at a card insertion / ejection port is conveyed from the card insertion / ejection port, the card information is read from the conveyed card, and the read card information. And, on the basis of the confirmation information associated with the user of the card, the user to verify the identity, and if the identity is confirmed, by controlling the conveying module, by repositioning the card to the card in / out of the receiving state, The present invention relates to a financial automation device that allows a user to safely return a card back to the user without the employee's intervention when the card is returned because the user does not receive the card within a limited time.

Automatic Teller Machines (ATMs) basically provide many of the 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 using a bank clerk in account transfer, balance inquiry, deposit withdrawal, and bank account arrangement. These advantages of financial automation equipment have led to a rapid increase in the number of customers, installations and installation sites of financial automation equipment, making it easy to find financial automation equipment anywhere.

However, due to the nature of the machine, an error often occurs. Currently, when an error occurs in the automated teller machine, an employee is dispatched to solve the malfunction of the automated teller machine. However, the automated teller machine operates 24 hours, so that employees have to stay around for 24 hours, but in reality, it stays around for 24 hours and it is difficult to solve the malfunction.

In addition, in some cases, even if the employee does not have to go out, the malfunction can be solved after user identification. For example, if a user cannot use the automated teller machine because the password is wrong three or more times, the call center employee can be called by using the provided telephone, and the desired financial transaction can be processed. In this case, if only the basic identity verification procedure, the employee can remotely control the financial automated device to perform the user's desired financial transactions. However, even in this case, there is a disadvantage that an employee resides in the call center and the malfunctioning financial automation device must be remotely controlled.

Therefore, in the present invention, in order to solve the conventional problems as described above, as the selected conditions are satisfied, the card located in the reception waiting state at the card input / discharge port is conveyed from the card input / discharge port, and the conveyed card Reads the card information, and, based on the read card information and the identification information associated with the user of the card, identifies the user and, if confirmed, controls the transfer module to insert the card. By repositioning to the receiving standby state at the outlet / outlet, we propose a new technology that can safely return the card back to the user without the intervention of the employee if the card is returned because the user does not receive the card within a limited time.

The present invention has been made in order to solve the above problems, and as the selected condition is satisfied, the card located in the reception waiting state at the card loading / exiting port is conveyed from the card loading / exiting outlet, and the conveyed card Reads the card information, and, based on the read card information and the identification information associated with the user of the card, identifies the user and, if confirmed, controls the transfer module to insert the card. By relocating the card to the receiving standby state at the outlet, the user can receive the card within a limited time so that the card can be returned safely to the user without the employee's intervention. do.

In addition, the present invention transmits the card information of the returned card and the confirmation information received from the user to the central bank server, when receiving the 'authentication success' from the central bank server in response to the transmission, the identity is confirmed It is an object of the present invention to provide a financial automatic device capable of safely returning the returned card to the user without involvement of the employee by judging and controlling the ejected card.

In addition, the present invention compares the first image data photographing the user after conveying the card with the second image data photographing the user before conveying the card. After that, it is an object of the present invention to provide a financial automated device that can safely return the returned card to the user.

In order to achieve the object of the present invention as described above, the automatic teller machine according to an embodiment of the present invention, the card is placed / placed in the waiting state at the card input / discharge port, as the selected condition is satisfied, the card input / An authentication module for authenticating the user based on a conveyance module conveyed from an outlet, a lead module for reading card information from the conveyed card, the read card information, and identification information associated with a user of the card; And a control module for controlling the transfer module to reposition the card to the card input / discharge port in the receiving standby state when the identity is confirmed.

According to the present invention, as the selected condition is satisfied, the card placed in the receiving state at the card insertion / exit opening is returned from the card loading / exit opening, the card information is read from the conveyed card, and the read Based on the card information and the confirmation information associated with the user of the card, the user is identified, and if confirmed, the transfer module is controlled to reposition the card to the card inlet / outlet in the receipt standby state. In this way, if the user does not receive the card within a limited time and the card is returned, the card can be safely returned to the user without the intervention of the employee.

In addition, according to the present invention, when the card information of the returned card and the confirmation information received from the user is transmitted to the central bank server, and in response to the transmission receives the 'authentication success' from the central bank server, identity verification By determining that the card is discharged and controlling the card to be ejected, the card can be safely returned to the user without the employee's intervention.

In addition, according to the present invention, the first image data photographed after conveying the card and the second image data photographed before the conveyance of the card are compared with each other. After confirmation, the returned card can be safely returned to the user.

Hereinafter, preferred embodiments of the present invention will be described in detail with reference to the accompanying drawings and the contents described in the accompanying drawings, but the present invention is not limited or limited to the embodiments.

The term 'automated teller machine' used in the present invention is not only an ATM (Automated Teller Machine), but also a cash dispenser (CD: Cash Dispenser) capable of withdrawing cash, 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 illustrating a connection relationship between an automated teller machine and a central bank server according to an embodiment of the present invention.

As shown, when the user inserts the card through the card input / discharge port 110, the financial automatic device 100 may provide a financial transaction, and photograph the user making a financial transaction using the camera 120. . However, when the user does not receive the card within a limited time, and the inserted card is placed in the receiving state of the card inlet / outlet 110 in a waiting state, the automated teller machine 100 returns the card, and the card is returned from the returned card. The card information may be read, the user may be requested to receive the confirmation information, and the card information and the confirmation information may be transmitted to the central bank server 130.

The central bank server 130 may verify the identity of the card user by determining whether the user information corresponding to the card information is the same as the identification information. For example, when a user opens an account at a bank, the user may provide user information such as a name, social security number, address, telephone number, etc. to the bank, the bank opens an account and provides a card, and an account for the opened account. Account information such as a number and a password, and card information such as a card number and a password for the card can be recorded and managed in a database corresponding to the user information.

Here, the central bank server 130 may be interpreted as a server managed by the bank, and accordingly, the central bank server 130 identifies user information corresponding to the card information from the database, thereby identifying the identified user. By checking the information and the confirmation information can be confirmed whether or not. The central bank server 130 transmits the 'authentication success' to the automated teller machine 100 if it matches, and if it does not match, sends the 'authentication failed' to the automated teller machine 100, thereby transmitting the identity verification result. I can tell you.

When the automatic teller machine 100 receives the 'authentication success' in response to the transmission from the central bank server 130, it determines that the identity is confirmed, and puts the returned card to the card input / discharge port waiting to receive Can be controlled to reposition. That is, the financial automatic device 100 securely confirms the identity of the card user, and then returns the card to the user without the employee's intervention, so that the returned card can be discharged again because the user does not receive the card within a limited time. Can be controlled.

In an embodiment of the present invention, when the automated teller machine 100 returns the card, the financial automatic device 100 requests the user to photograph, photographs the user who responds to the photographing, generates first image data, and returns the card. If the second image data photographed at the time when the user performs the financial transaction is the same as compared with the first image data, it may be determined that the user has been identified before. In this case, the automated teller machine 100 may compare the first image data with the second image data by using face recognition technology.

Alternatively, in another embodiment of the present invention, the automatic teller machine 100 includes an authentication number as the card information, and compares whether the password matches the authentication number when the password is input as the confirmation information. You can also verify yourself.

A description with reference to FIG. 2 is as follows.

2 is a diagram showing the configuration of the automatic teller machine according to an embodiment of the present invention.

The automated teller machine 200 may include a transport module 210, a lead module 220, an authentication module 230, a control module 240, a camera 250, and a communication module 260.

As the selected module satisfies the selected condition, the conveyance module 210 may convey the card, which is located at the card insertion / exit opening, in a waiting state, from the card insertion / exit opening. For example, when the time limit is selected as the condition, and the conveyance module 210 maintains the reception waiting state after the card is located at the card input / discharge port, the condition is met. Can be determined to satisfy.

For example, when the card is kept in a waiting state for receiving a "10 second" time limit, the conveyance module 210 may convey the card located at the card input / discharge port.

The lead module 220 may read card information from the conveyed card.

The card information may include at least one of a card number, an authentication number, and an account number, and the automatic teller machine 200 may obtain user information from the card information. As described above, the central bank server 130 may record the user information (name, social security number, contact number, address, card password) input together with the card information in the database when the card is issued. Accordingly, the automated teller machine 200 transmits the card information to the central bank server 130, and receives the user information corresponding to the card information from the central bank server 130 in response to the transmission. have.

A description with reference to FIG. 3 is as follows.

3 is a diagram illustrating an example of verifying an identity using a password in the automated teller machine according to an embodiment of the present invention.

As shown at 310, the authentication module 230 of the automated teller machine 200 may request a user to input confirmation information. In general, the automated teller machine 200 includes a touch screen for selecting a financial transaction type, a transaction amount, and a password input. The user can input a password, an account number, etc. as confirmation information through the touch screen. have.

Accordingly, the authentication module 230 may identify the user through whether the input confirmation information and the received user information match each other. If the confirmation information and the user information do not match, the authentication module 230 may request the user to input a password as shown by reference numeral 320.

Typically, the password error can be re-entered up to three times. If the password is incorrect three or more times, it is assumed that the identity verification for the returned card has failed, and the central bank server 130 in the communication module 260 is failed. You can be notified of 'failed identity verification'. In this case, the user may visit the bank during the business hours of the bank, or verify the identity through another method through a call center counselor, and then receive the returned card. In general, if the password is incorrect three or more times, it is highly likely that the user is not the user. Therefore, the employee's intervention is inevitable.

However, if the confirmation information and the user information match, that is, the same, the authentication module 230 is considered as the identity verification for the card user, and the card is discharged as indicated by reference numeral 330. The user may be notified. Accordingly, the control module 240 controls the transfer module 210 to reposition the conveyed card to the card input / discharge port in the receiving standby state, so that the user can take the card through the card input / discharge port. Can be controlled.

According to an embodiment of the present invention, the communication module 260 may transmit the input confirmation information and the read card information to the central bank server 130.

The central bank server 130 is a bank-related server. The central bank server 130 may record and manage user information corresponding to card information in a database. The central bank server 130 may receive the card information and the confirmation information and store the user information corresponding to the card information. By identifying from the database, it is possible to check whether or not the identified user information matches the identification information. The central bank server 130 transmits the 'authentication success' to the automated teller machine 200 if it matches, and if it does not match, transmits the verification result to the automated teller machine 200 by sending the identity verification result. I can tell you.

When the communication module 260 receives the 'authentication success' from the central bank server 130, the control module 240 determines that the identity of the card user has been verified and the card is returned to the card input / discharge port Can be relocated to receipt standby.

According to another embodiment of the present invention, the camera 250 photographs the user during the financial transaction after the user inserts the card, generates second image data, returns the card, and photographs the user. First image data can be generated. The authentication module 230 may verify the identity by comparing the first image data with the second image data.

A description with reference to FIG. 4 is as follows.

4 is a diagram illustrating an example of verifying an identity using image data in the automated teller machine according to an embodiment of the present invention.

As illustrated at 410, the camera 250 may generate second image data by capturing the user without a user's consent during a financial transaction. In this case, since the user does not know whether the camera 250 photographs itself, the user may be photographed in a state out of focus of the camera 250.

However, as shown at 420, the authentication module 230 requests the user to photograph after returning the card, and the camera 250 photographs the user who responds to the photographing request to the first image data. Can be generated. In this case, the camera 250 may generate first image data in which the user gazes at the focus of the camera 250 so that the user's face is correct.

Accordingly, the authentication module 230 may verify the identity by comparing the first image data with the second image data by using face recognition technology. The face recognition technology analyzes an eye, a nose, a mouth, and a face shape of a user belonging to the first image data and the second image data, and the user belonging to the first image data and the second image data is the same person. Can be determined.

In addition to the face recognition technology, the authentication module 230 may determine whether the user belonging to the first image data and the second image data is the same person by another method. This may be determined by comparing clothes color, hair length, hair color, and face size worn by the user.

If it is determined that the first image data and the second image data are the same, the control module 240 controls the transfer module 210 to reposition the conveyed card to the card insertion / ejection port in the receipt standby state. You can.

Alternatively, according to another embodiment of the present invention, the communication module 260 may transmit the first image data and the second image data to the central bank server 130. The central bank server 130 may verify the identity of the card user by comparing the first image data with the second image data by the face recognition technique or another method. Alternatively, an employee may access the central bank server 130 and the employee may directly determine whether the received first image data and the second image data are the same.

The central bank server 130 may transmit 'authentication success' when it is determined to be the same as a result of the comparison, and transmit the 'authentication failure' to the automated teller machine 200 when it is determined that it is not the same. Accordingly, when the control module 240 receives the 'authentication successful', the control module 240 repositions the returned card to the reception state of the card at the card input / discharge port, and when the 'authentication failed' is received, the returned card. Can be controlled to be transferred to the card recovery apparatus.

The card retrieval apparatus is a storage for storing the conveyed card, and may be a place to be transferred when the identification of the conveyed card fails. When the card is transferred to the card collection device, the employee inevitably intervenes to directly remove the card from the financial teller 200.

5 is a flowchart illustrating a procedure of discharging the returned card in the automated teller machine according to an embodiment of the present invention.

The subject performing FIG. 5 is the automatic teller machine 200 of the present invention. Hereinafter, the present invention will be understood by explaining FIG. 5 with reference to FIG.

In step S510, as the selected condition is satisfied, the financial teller 200 may return the card, which is located at the card insertion / exit port, in a waiting state for receiving, from the card input / exit port. When the time limit is selected as the condition, the automated teller machine 200 sets the condition when the time for maintaining the reception standby state is identical to the time limit after the card is located at the card input / discharge port. It is judged that it is satisfied, and a card can be conveyed from the said card insertion / ejection port.

In step S520, the automated teller machine 200 may read card information from the returned card. The card information may include at least one of a card number, an authentication number, and an account number. The automatic teller machine 200 may obtain user information from the card information, and the user information may be used for identification.

In addition, the automated teller machine 200 may request the user to input confirmation information, so that the user may input the confirmation information. The confirmation information may be a password, an account number, or the like.

In operation S530, the automated teller machine 200 may verify the identity of the card user based on the read card information and input confirmation information. When the automated teller machine 200 transmits the inputted confirmation information and the read card information to the central bank server 130, and matches the user information with the confirmation information from the central bank server 130. In this case, the terminal may receive 'authentication successful', and if it does not match, 'authentication failed'. Accordingly, when the automated teller machine 200 receives the 'authentication success', it may be determined that the identity has been verified, and when the financial automation device 200 receives the 'authentication failure', it may be regarded as impossible to verify the identity.

Alternatively, the automated teller machine 200 generates a second image data by photographing a user during a financial transaction after the user inserts a card, and returns the first image data by photographing the user after conveying the card. Can be generated. The automated teller machine 200 can identify the user by comparing the first image data with the second image data.

In step S540, the automated teller machine 200 can control the transfer module, if the identity is confirmed, to reposition the card in the card input / discharge port in the receiving standby state. In this case, the user may take a card located in the waiting state for receiving the card in / out.

However, if the identity of the user of the card is not confirmed, the automated teller machine 200 may transfer the conveyed card to the card collection apparatus to control the card not to be discharged. In this case, the user may visit the bank branch directly and the employee may take back the card by removing the card from the card collection device of the automatic teller machine 200.

Further, embodiments of the present invention include a computer readable medium having program instructions for performing various computer implemented operations. The computer readable medium may include program instructions, data files, data structures, and the like, 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.

While specific embodiments of the present invention have been described so far, various modifications are possible without departing from the scope of the present invention. Therefore, the scope of the present invention should not be limited to the described embodiments, but should be defined not only by the claims below, but also by those equivalent to the claims.

4 is a diagram illustrating an example of verifying an identity using image data in a financial automatic machine according to an embodiment of the present invention.

200: financial automation equipment

210: return module

220: lead module

230: authentication module

240: control module

250: camera

260: communication module

Claims

A conveyance module for conveying, from the card input / discharge port, a card positioned at a receiving state of the card in / out port as the selected condition is satisfied;

A lead module for reading card information from the conveyed card;

An authentication module for authenticating the user based on the read card information and the identification information associated with the user of the card; And

If the identity is confirmed, the control module for controlling the conveyance module, to reposition the card in the card input / discharge port in the receiving standby state

Automatic financial equipment comprising a.

The method of claim 1,

Communication module for transmitting the card information and the confirmation information to the central bank server

More,

The authentication module,

And in the communication module, when receiving the 'authentication success' from the central bank server in response to the transmission, determining that the user has been verified.

The method of claim 1,

The condition is selected as a time limit,

The conveying module,

After the card is located at the card loading / exiting port, if the time for maintaining the reception waiting state is equal to the time limit, it is determined that the card is returned to satisfy the condition. .

The method of claim 1,

A camera which photographs the user to generate first image data after conveyance of the card, and photographs the user to generate second image data before conveyance of the card.

More,

The authentication module,

And when the first image data and the second image data are the same, determine that the user is verified.

The method of claim 1,

The authentication module,

And if the password entered as the confirmation information and the authentication number included in the card information match, determining that the user has been verified.

The method of claim 1,

A camera which photographs the user after the conveyance of the card to generate first image data, and photographs the user before the conveyance of the card to generate second image data; And

Communication module for transmitting the first image data and the second image data to the central bank server

More,

The authentication module,

In the communication module, when receiving the 'authentication success' from the central bank server in response to the transmission, the automatic teller machine characterized in that the user is determined to be verified.