KR20100138031A

KR20100138031A - Automatic teller machine

Info

Publication number: KR20100138031A
Application number: KR1020090056371A
Authority: KR
Inventors: 김기진; 윤현진
Original assignee: 노틸러스효성 주식회사
Priority date: 2009-06-24
Filing date: 2009-06-24
Publication date: 2010-12-31

Abstract

PURPOSE: An automatic teller machine is provided to improve the convenience of taxi drivers by connecting the identification information of the taxi drivers and database with respect to money to be paid to a taxi company. CONSTITUTION: A searching unit(210) detects money to be paid to a taxi company in database based on the identification information of a taxi driver. A settling unit(220) determines the amount of the money for the taxi driver. A processing unit(230) displays the determined amount of the money through a displaying unit. Money from the taxi driver is deposited through a depositing unit. The deposited money is transferred to a company account.

Description

Financial Teller Machine {Automatic Teller Machine}

Embodiments of the present invention relate to an automated teller machine.

With respect to traditional financial transactions that have been carried out in direct contact with the clerks at financial institutions, 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.

The automated teller machine basically provides many financial tasks performed by financial institutions such as banks and village safes. The user can perform a desired financial transaction in a short time by simply operating a financial automated device installed in a bank without using a bank clerk in bank transfer, balance inquiry, deposit withdrawal, and bank account arrangement. These advantages of the automated teller machine have led to a rapid increase in the number of customers, the number of installations, and the places of installation of the automated teller machine, making it easy to find it today.

On the other hand, the conventional van automatic teller machine (VAN-ATM), which is installed near convenience stores or subways, provides a bank withdrawal function, but it does not provide a banknote deposit function. It was not possible to provide a prepayment collection service for transferring to a company's company account.

Accordingly, the present invention is to propose a technology that can be easily stored at any time, the payment of the taxi worker through the automatic teller machine.

One embodiment of the present invention provides a financial automation device that can easily process the advance payment of a taxi operator.

In addition, an embodiment of the present invention, if the amount of money deposited by the taxi operator exceeds the payment advance payment, the transfer of the excess amount excluding the payment advance payment from the deposit amount to the account designated by the taxi operator automatically To provide financial automation equipment that can provide convenience.

In addition, an embodiment of the present invention, when the amount deposited by the taxi operator exceeds the payment advance payment, according to a predetermined ratio for the excess amount, divided into the account specified by the company account and the taxi operator to transfer processing Provide financial automation equipment.

In addition, in one embodiment of the present invention, if the amount deposited by the taxi operator is less than the payment amount, the shortage amount excluding the amount of the deposit from the payment amount is withdrawn from the account designated by the taxi operator, the lack To provide financial automation equipment that can automatically replenish the amount of money.

In addition, an embodiment of the present invention provides a financial automation device that can reduce the amount of resources due to transfer by processing the transfer amount in a certain time in a batch.

In addition, an embodiment of the present invention provides a financial automated device that can reduce the number of times the current payment by accumulating the advance payment received from the taxi operator in the bill cartridge to meet the next cash withdrawal request.

The automatic teller machine according to an embodiment of the present invention, in connection with input of identification information from a taxi operator, considers a prepayment search unit for retrieving a prepayment stored in correspondence with the identification information from a prepayment database, and the searched prepayment To include a payment settlement unit for determining the payout payment for each taxi operator, and a payment payment processing unit for displaying the determined payment payouts through a display unit, and transfers the amount of money deposited through the deposit to the company account.

According to an embodiment of the present invention, the taxi operator can easily receive and process the daily advance payment at any time through the automatic teller machine.

In addition, according to an embodiment of the present invention, if the amount deposited by the taxi operator exceeds the payment advance payment, the excess amount excluding the payment advance payment from the deposit amount is automatically transferred to the account designated by the taxi operator The convenience of processing can be provided.

In addition, according to an embodiment of the present invention, when the amount deposited by the taxi operator exceeds the payment advance payment, according to a predetermined ratio for the excess amount, divided into the account specified by the company account and the taxi operator transfer It can be processed.

In addition, according to an embodiment of the present invention, when the amount of money deposited by the taxi worker is less than the payment in advance payment, withdrawal processing from the account designated by the taxi operator to the shortage amount excluding the amount to be deposited from the payment payment Thus, the shortage amount can be automatically replenished.

In addition, according to an embodiment of the present invention, the amount of money stored in a specific company can be transferred in a batch at a predetermined time to reduce the resources due to the transfer.

In addition, according to an embodiment of the present invention, by depositing the advance payment received from the taxi operator in the banknote cartridge of the automated teller machine to meet the future cash withdrawal request, it is possible to reduce the number of times of the current payment.

Hereinafter, embodiments of the present invention will be described in detail with reference to the accompanying drawings. However, the present invention is not limited or limited by the embodiments. Like reference numerals in the drawings denote like elements.

"VAN financial ATM (VAN-ATM) of the present invention, as well as ATM (Automated Teller Machine), CD machine (CD: Cash Dispenser) having a deposit function, bank, It includes all kinds of unmanned automated devices, such as unmanned terminals (KIOSK), which provide various services such as insurance, credit cards, and other financial services. It can be broadly interpreted as including concepts.

1 is a view showing the structure of the automated teller machine.

The automatic teller machine 100 may include an operation terminal 110, a banknote 120, a bankbook 130, and a card reader 140.

The operation terminal 110 may receive a menu selection and manipulation for a financial transaction from a customer, and provide various financial services or additional services to the customer through a GUI screen.

Banknotes and withdrawals 120 of the bills count and store the bills, the bankbook 130 may read the bankbook and perform the bankbook cleaning task. The card reader 140 may read a card according to a customer's financial transaction card input and perform card related tasks. The card reader 140 may read not only a financial transaction card but also an accumulation card or an ID card for other tasks.

In addition, the automated teller machine 100 includes a communication unit for accessing a financial server, a control unit for controlling the overall operation of the teller machine, a memory for storing various data, and a print module for printing on a bankbook or a statement table. It may further include.

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

Financial automatic device 200 according to an embodiment of the present invention is a prepayment search unit 210, a prepayment settlement unit 220, a prepayment processing unit 230, a display unit 240, a depositing unit 250, withdrawal unit ( 260, and a card reader 270.

The pension retrieval unit 210 functions to search for pensions related to taxi workers.

In general, taxi workers belonging to a taxi company must store a certain amount of their daily income in the taxi company, and the amount stored in the taxi company is called a deductible. These payments may be allocated by taxi company or by taxi operator.

For example, the advance payment retrieval unit 210 retrieves the advance payment stored in correspondence with the identification information input by the taxi operator or the identification information extracted from the barcode information read by the card reader unit 270, from the advance payment database. can do.

That is, the deposit search unit 210 may authenticate the taxi operator using an ID or password inputted by a taxi operator, and access the advance payment database to search the deposit allocated to the taxi operator as authentication succeeds. .

Alternatively, the card reader unit 270 reads barcode information from the employee card in conjunction with the employee card issued to the taxi operator in advance, and the advance payment search unit 210 extracts the ID or password from the barcode information. The taxi operator can be authenticated. As authentication succeeds, the pension retrieval search unit 210 may access the pension payment database and search for the pension allocated to the taxi operator.

As another example, the advance payment search unit 210 may search for the advance payment by extracting information about the advance payment from the barcode information read by the card reader unit 270.

That is, the card reader unit 270 reads barcode information from the employee card in association with the employee card issued to the taxi operator in advance, and the advance payment search unit 210 extracts the ID or password from the barcode information. The taxi operator can be authenticated. As authentication succeeds, the advance payment search unit 210 may extract information about the advance payment allocated to the taxi operator from the barcode information.

The prepayment settlement unit 220 functions to determine the prepayment for each taxi operator in consideration of the searched advance payment.

Here, the advance payment may be the total amount of money to be accommodated by the taxi operator, and the payment advance payment is an amount of money to be actually stored, except for the amount of money previously stored or the amount of the electronic payment in relation to the taxi operator. Can be.

In this case, when there is no pre-stored amount or the electronic payment amount related to the taxi operator, the advance payment settlement unit 220 may determine the searched advance payment as the payment advance payment of the taxi operator.

Alternatively, when a part of the taxi fare is electronically paid by credit card, transportation card, etc., the advance payment settlement unit 220 may determine the paid advance payment amount after deducting the electronic payment amount from the searched advance payment. Through this, it is possible for the taxi operator to pay only for the amount deducting the electronic payment amount.

That is, the advance payment settlement unit 220 requests the electronic payment amount related to the taxi operator's identification information to the electronic payment server, and the electronic payment amount received from the electronic payment server in response to the request, the advance payment The payment advance payment may be determined by deducting from.

The electronic payment server may accumulate the amount of electronic payment within a predetermined period, in the total amount of electronic payment stored corresponding to the identification information of the taxi operator. Accordingly, the electronic payment server may guide the total amount of electronic payment stored in response to the identification information of the taxi operator in response to the request.

Alternatively, when a portion of the advance payment is pre-stored by the taxi worker, the advance payment settlement unit 220 may determine the payment advance payment by subtracting the pre-stored amount from the searched advance payment. Through this, it is possible for the taxi operator to be able to make a small payment in advance that can accommodate the payment in multiple times.

Alternatively, when the amount deposited in excess of the advance payment at the time of the last storage is carried forward, the advance payment settlement unit 220 may determine the payment advance payment by subtracting the carried forward amount from the searched advance payment.

The prepayment processing unit 230 displays the determined payment prepayment through the display unit 240 and transfers the amount of money deposited through the depositing unit 250 to the company account.

That is, the payment processing unit 230 may display the payments searched in relation to the taxi driver, the amount of electronic payment related to the taxi worker, and the determined payment payment amount through the display unit 240.

In addition, the payment processing unit 230 may search for information on the company account stored in response to the identification information of the taxi operator in the payment database, and transfer the amount deposited through the depositing unit 250 to the searched company account. .

For example, when the deposit amount exceeds the payment advance payment, the deposit payment processor 230 transfers the excess amount excluding the payment advance payment to the account designated by the taxi operator, or withdraws from the deposit amount. Withdrawal may be processed at 260.

Hereinafter, referring to FIG. 3, the prepayment processor 230 will be described.

3 is a diagram illustrating an example of a screen when the amount of money deposited exceeds the payment advance payment.

The deferred payment processor 230 is a deductible amount 100,000 won retrieved with respect to the taxi worker 'Hong Gil-dong', the amount 30,000 won electronically settled with respect to the taxi operator, and the delinquent payment determined 70,000 won with respect to the taxi operator, 310 of FIG. As described above, the display unit 240 may display the same.

In addition, when the 150,000 won is deposited through the depositing unit 250, the advance payment processor 230 may display the deposit amount 320 on the display unit 240.

In this case, the deposit payment unit 230 transfers the excess amount 80,000 won excluding the payment advance payment from the deposit amount 320 to the account designated by the taxi operator as the deposit amount 320 exceeds the payment advance payment amount 70,000 won. The taxi operator may be asked to select whether to process or withdraw money through the withdrawal unit 260 (see 330 of FIG. 3).

When the "extra amount withdrawal" is selected by the taxi operator, the advance payment processor 230 transfers the amount of money 70,000 won corresponding to the payment advance payment from the deposit amount 320 to the company account, the payment among the deposit amount 320 Withdrawal amount can be processed through the withdrawal unit 260 in excess of 80,000 won excluding in advance.

Alternatively, when the “excess amount transfer” is selected by the taxi operator, the advance payment processor 230 transfers the amount 70,000 won corresponding to the payment advance payment from the deposit amount 320 to the company account, and among the deposit amount 320. The excess amount 80,000 won excluding the payment advance payment can be transferred to an account designated by the taxi operator. In this case, the taxi operator can provide a convenience that does not need to separately transfer the excess amount 80,000 won to their account.

As another example, when the amount deposited through the depositing unit 250 exceeds the determined payment advance, the payment processing unit 230 is designated by the company account and the taxi operator according to a predetermined ratio for the excess amount. It can be divided into accounts and processed for transfer.

As another example, when the amount of money deposited is less than the payment amount of payment, if the amount of money deposited is less than the payment amount of payment, withdrawal processing from the account designated by the taxi operator, except for the amount of money deposited, the shortage The amount can be replenished automatically.

Hereinafter, referring to FIG. 4, the prepayment processor 230 will be described.

4 is a diagram illustrating an example of a screen when the amount of money deposited is less than the advance payment amount.

The deferred payment processor 230 is a deductible of 100,000 won searched in relation to the taxi worker 'Hong Gil-dong', the amount 30,000 won electronically paid in connection with the taxi worker, and the delinquent payment determined in connection with the taxi worker 70,000 won, 410 of FIG. As described above, the display unit 240 may display the same.

When 50,000 won is deposited through the depositing unit 250, the advance payment processor 230 may display the deposit amount 420 of 50,000 won on the display unit 240.

At this time, the deposit payment unit 230, with the deposit amount 420 is less than the payment advance payment 70,000 won, the withdrawal amount 20,000 won excluding the deposit amount 420 from the payment advance payment, withdraw from the account designated by the taxi operator The taxi operator may be asked to select whether to process or deposit the money through the depositing unit 250 (see 430 of FIG. 4).

When the "Insufficient Amount Now Deposit" is selected by the taxi operator, the advance payment processor 230 adds the shortage amount 20,000 won and the deposit amount 420 50,000 to the company account through the depositing unit 250. Transfer can be processed.

Alternatively, when the "tribal amount withdrawal" is selected by the taxi operator, the advance payment processor 230 withdraws the insufficient amount 20,000 won excluding the deposit amount 420 from the payment arrears from the account designated by the taxi operator. The amount of the withdrawal amount 20,000 won and the deposit amount 420 50,000 may be added together and transferred to the company account. In this case, the taxi operator can provide a convenience that does not have to withdraw money from their account separately 20,000 won.

At this time, the payment in advance processing unit 230 may be transferred to the company account individually the amount of the deposit each time the storage is made by the taxi operator. Alternatively, the pension processing unit 230 may reduce the resources due to transfer by collectively processing the amount of money stored in the company account of a specific company at a predetermined time.

According to an embodiment of the present invention, the taxi operator can easily receive the daily advance payment at any time through the automatic teller machine.

The control method of the automatic teller machine according to an embodiment of the present invention may be implemented by the automatic teller machine 200 according to an embodiment of the present invention. In addition, in the following description of FIG. 5, FIG. 5 will be described with reference to FIG. 2.

5 is a flowchart illustrating a procedure of a control method of an automated teller machine according to an embodiment of the present invention.

In step 510, the automated teller machine 200 retrieves the advance payment allocated to the taxi operator using the identification information of the taxi operator extracted from the barcode information.

The card reader unit 270 reads the barcode information from the employee card in conjunction with the employee card issued to the taxi operator in advance, and the advance payment search unit 210 extracts the ID or password from the barcode information to extract the taxi. You can certify workers. As authentication succeeds, the pension retrieval search unit 210 may access a pension payment database and retrieve a pension of 100,000 won assigned to the taxi operator.

In step 520, the automated teller machine 200 requests the electronic payment server for the electronic payment related to the identification information of the taxi operator, and sends information about the electronic payment from the electronic payment server in response to the request. Receive.

The electronic payment server may accumulate the electronic payment amount in the total electronic payment stored in correspondence with the taxi operator's identification information when a part of the taxi fare is electronically paid by credit card or traffic card within the selected period. have.

Therefore, the electronic payment server may guide the total amount of electronic payment '30, 000 won 'stored in response to the taxi operator's identification information in response to the request.

In step 530, the automated teller machine 200 determines the payment advance payment of the taxi operator in consideration of the searched advance payment and the received electronic payment amount.

That is, the payment settlement unit 220 may determine the payment amount of money 70,000 won by subtracting the electronic payment amount 30,000 won from the searched payment amount 100,000 won. Through this, it is possible for the taxi operator to pay only for the amount deducting the electronic payment amount.

In step 540, the automated teller machine 200 displays the determined payment advance payment through the display unit 240.

In step 550, the automated teller machine 200, if the amount of money deposited through the deposit unit 250 is less than the payment advance payment, the shortage amount excluding the deposit amount from the payment advance payment, the taxi operator to specify Withdrawal process from the account, the withdrawn shortage and the deposit amount is transferred to the company account.

As the deposit amount payment 420 is less than the payment advance payment amount 70,000 won, the advance payment processing unit 230 withdraws the insufficient amount 20,000 won from the payment advance payment except the deposit amount 420 from the account designated by the taxi operator. In addition, the depositor 250 may request the taxi operator to select whether to process the deposit now (see 430 of FIG. 4).

When the "tribal amount withdrawal" is selected by the taxi operator, the delinquent processing unit 230 withdraws the deficient amount of 20,000 won excluding the deposit amount 420 from the payment arrears from the account designated by the taxi operator In addition, the withdrawn shortage of 20,000 won and the deposit amount (420) 50,000 won can be transferred to the company account. In this case, the taxi operator can provide a convenience that does not have to withdraw money from their account separately 20,000 won.

In step 560, the automated teller machine 200 transfers the amount corresponding to the payment advance payment from the deposit amount to the company account when the amount deposited through the depositing unit 250 exceeds the payment advance payment, The excess amount excluding the payment prepayment from the deposit amount is transferred to an account designated by the taxi operator.

As the deposit payment unit 230 exceeds the payment advance payment 70,000 won, the deposit payment processor 230 transfers the excess amount 80,000 won except the payment advance payment from the deposit amount 320 to an account designated by the taxi operator. In addition, the withdrawal unit 260 may request the taxi operator to select whether to withdraw processing (see 330 of FIG. 3).

When the "excess amount transfer" is selected by the taxi operator, the advance payment processor 230 transfers the amount of money 70,000 won corresponding to the payment advance payment from the deposit amount 320 to the company account, and the payment among the deposit amount 320 The excess amount 80,000 won excluding the advance payment can be transferred to the account designated by the taxi operator. In this case, the taxi operator can provide a convenience that does not need to separately transfer the excess amount 80,000 won to their account.

In this case, the pension processing unit 230 may reduce the resources due to transfer by collectively processing the amount of money stored in the company account of a specific company at a predetermined time.

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, 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 machine code, such as produced by a compiler, as well as high-level language code that can be executed by a computer using an interpreter.

As described above, the present invention has been described by specific embodiments such as specific components and the like. For those skilled in the art to which the present invention pertains, various modifications and variations are possible. Therefore, the spirit of the present invention should not be construed as being limited to the described embodiments, and all of the equivalents or equivalents of the claims, as well as the following claims, are included in the scope of the present invention.

1 is a view showing the structure of the automated teller machine.

200: financial automation equipment

210: Prepayment Search Department

220: prepayment settlement

230: wildfire processing unit

240: display unit

250: deposit

260: withdrawal

270: card reader unit

Claims

A prepayment retrieving unit for retrieving a prepayment stored in correspondence with the identification information from a prepayment database in association with input of identification information from a taxi operator;

A prepayment settlement unit for determining a prepayment for each taxi operator in consideration of the searched advance payment; And

A payment processing unit for displaying the determined payment advance payment through the display unit, and transfers the amount deposited through the payment unit to the company account.

Automatic financial equipment comprising a.

The method of claim 1,

The prepayment settlement unit,

Financial automation that requests the electronic payment amount related to the identification information to the electronic payment server and determines the payment advance payment by deducting the electronic payment amount received from the electronic payment server in response to the request from the payment amount. device.

The method of claim 1,

If the deposit amount exceeds the payment advance payment,

The prepayment processing unit,

The automatic teller machine which transfers the excess amount excluding the payment advance payment to the account designated by the taxi driver.

The method of claim 1,

If the deposit amount exceeds the payment advance payment,

The prepayment processing unit,

The automatic teller machine which withdraws the excess amount excluding the payment advance payment from the deposit amount through the withdrawal unit.

The method of claim 1,

If the deposit amount is less than the payment advance payment,

The prepayment processing unit,

The automatic teller machine which withdraws the shortage amount excluding the deposit amount from the payment advance payment from the account designated by the taxi operator.

The method of claim 1,

Card reader unit for reading the bar code information associated with the taxi operator

More,

The prepayment search unit,

A financial automation device for extracting identification information from the barcode information.

The method of claim 1,

More,

The prepayment search unit,

A financial automation device for retrieving the advance payment from the barcode information.