KR20110006845U - Automatic teller machine and financial system including the same - Google Patents

Abstract

An automated financial device is disclosed. The automated financial device may display content received from a content providing server through a communication module as well as a first display module displaying a financial business usage guide, a financial business processing status, and a financial business processing result on a screen. And a second display module capable of doing so.

Automatic Teller Machine (ATM), Content, Display, Security

Description

Automatic teller machine and financial system including the same}

The present invention relates to a technology for using an automated financial device, and more specifically, it is possible to provide a user with contents related to financial affairs as well as contents of a financial institution's promotional image, a financial product image, a news image, and music. The present invention relates to an automated financial device capable of performing a security function and a financial system including the same.

With respect to the traditional financial transactions that have been carried out by banks in direct contact with the clerks, the emergence of the ATM (Automatic Teller Machine) has revolutionized in many ways. The customer's waiting time has been significantly reduced, and even after the financial institution has been shut down, the customer has the benefit of being able to see the financial affairs at any time. 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.

Until now, automated financial devices only provided simple financial business services through networking with financial institutions. In the field of automated financial device technology, research was focused on technology for securing reliability and safety of financial business. However, current research and technology development in the field of providing various information and services in addition to financial work using automated financial devices is insufficient.

In addition, since the automated financial device is an unmanned device without a banker directly performing a bank transaction, security problems in the automated financial device still need to be supplemented and improved in the current technology.

Therefore, the technical task of the present invention is to provide customers with a variety of information and services in addition to simple financial tasks, and to provide automated financial devices and financial systems including them to help customers perform financial tasks more safely. It is.

An automated financial device for solving the above technical problem may include an information input module, a first display module, a second display module, and an acoustic module. The information input module may include a plurality of keypads for inputting deposit and withdrawal related information and user authentication information. The first display module displays a financial business usage guide, a financial business processing status, and a financial business processing result on the screen based on the information recognized from the card or paper inserted into the outside and the information generated by the information input module. I can display it.

The second display module may display the content received from the content providing server through the communication module on the screen. The sound module may generate a sound signal related to a financial service usage guide displayed on the first display module, a financial business process status, a financial business process result, and a content displayed on the second display module.

The automated financial device transmits an image captured by a camera module, a voice signal of a user generated through an interphone, and information generated using the information input module to a financial institution server through the communication module. Real-time by displaying the image received from the institution server through the communication module on the screen of the first display module or the second display module, and outputs the sound signal received from the financial institution server through the communication module through the sound module Perform financial counseling

The automated financial device may further include a geo recognition module and a receipt issue module. The paper sheet recognition module may read user information and information about the amount of payment from paper that is inserted from the outside. The receipt issuance module may be generated by the user information, information about the amount of payment, and the information input module. Based on the information obtained, a receipt corresponding to the result of the financial work performed may be output.

The automated financial device may further include a security sensor module for generating a security guard signal based on at least one emergency condition among door opening, impact, and tilting of the automated financial device. In this case, the automated financial device may generate an alarm sound through the acoustic module in response to the expense initiation signal or notify the security company of an emergency condition occurring in the automated financial device through the communication module.

The automated financial device may perform real-time monitoring of the operation of the automated financial device in response to a control signal received through the communication module, and transmit the real-time monitoring result of the operation of the automated financial device through the communication module. have.

The financial system for solving the technical problem includes a plurality of automated financial devices and a service server for providing contents to the plurality of automated financial devices or generating a plurality of control signals for controlling the plurality of automated financial devices. can do. In this case, an administrator of the plurality of automated financial devices accesses the service server to set up a content providing environment to the plurality of automated financial devices, manage the plurality of automated financial devices, and control the operation thereof. Device management environment can be set.

Each of the plurality of automated financial devices may include an information input module, a first display module, a second display module, and an acoustic module. The information input module may include a plurality of keypads for inputting deposit and withdrawal related information and user authentication information. The first display module displays a financial business usage guide, a financial business processing status, and a financial business processing result on the screen based on the information recognized from the card or paper inserted into the outside and the information generated by the information input module. I can display it.

The second display module may display content received from the service server through a communication module on a screen. The sound module may generate a sound signal related to a financial service usage guide displayed on the first display module, a financial business process status, a financial business process result, and a content displayed on the second display module.

The automated financial device transmits an image captured by a camera module, a voice signal of a user generated through an interphone, and information generated using the information input module to a financial institution server through the communication module. Real-time finance by displaying the image received from the server through the communication module on the screen of the first display module or the second display module, and outputs the sound signal received through the communication module from the financial institution server through the sound module Counseling can be performed.

Each of the automated financial devices is a paper recognition module and the user information, the information about the payment amount, and the information generated by the information input module to read the user information and the information about the payment amount from the paper inserted from the outside. It may further include a receipt issuance module for outputting a receipt corresponding to the processed financial business results based on.

Each of the automated financial devices further includes a security sensor module for generating a security guard signal based on at least one emergency condition of door opening, impact, and tilting for the automated financial device, in response to the security guard signal. The sound module may generate an alarm sound or notify the security company of an emergency condition occurring in the automated financial device through the communication module.

The content providing environment includes an environment for setting at least one of contents, order, providing time, and whether a sound signal is provided to content provided to the plurality of automated financial devices, and the automated financial device management environment includes the automated And an environment for setting at least one of an operation state monitoring condition, an operation time, a content download time, and a content download state monitoring condition of the financial device.

As described above, the automated financial device according to the present invention and the financial system including the same can provide customers with various contents including various advertisements, news, and multimedia sources as well as information related to financial affairs, and provide customers with more secure financing. It guarantees the performance of business and can perform financial business such as financial product counseling and loan counseling with financial institution workers in real time.

In order to fully understand the present invention, the operational advantages of the present invention, and the objectives achieved by the practice of the present invention, reference should be made to the accompanying drawings that illustrate preferred embodiments of the present invention and the contents described in the accompanying drawings.

In the present specification, when one component 'transmits' data or a signal to another component, the component may directly transmit the data or signal to the other component, and at least one other component. Through this means that the data or signal can be transmitted to the other component.

Hereinafter, the present invention will be described in detail by explaining preferred embodiments of the present invention with reference to the accompanying drawings. Like reference numerals in the drawings denote like elements.

1 is a block diagram of an automated financial device 100 according to an embodiment of the present invention. 2 is a front view of the automated financial device 100 shown in FIG. 1. The automated financial device 100 may include a control unit 110, a card recognition module 120, a receipt issuance module 140, a giro paper recognition module 150, a first display module 160, an information input module 170, The second display module 180, the acoustic module 190, the security sensor module 200, the camera module 210, the data storage unit 220, the communication module 230, and the interphone 240 are included.

The controller 110 controls the overall operation in response to a command and control signal generated by a user's operation of the automated financial device 100 and a control signal received from the outside through the communication module 230. Although not shown in FIG. 1, the controller 110 may include a processor for performing various operations, data storage means for temporarily storing data necessary for the operation of the processor, and the automated financial device 100 providing financial services and contents. Data storage means for storing an application program for performing an operation or the like.

The card recognition module 120 may read out various financial business related information including user information and card information from a card inserted from the outside and output the read information to the controller 110. The card recognizable by the automated financial device 100 may include various IC cards, RF cards, etc., including various credit cards, financial institution cards, and the like, but the scope of the present invention is not limited thereto. 2 shows only the card input / output unit of the card recognition module 120.

The automated deposit and withdrawal module 130 is based on the financial information read from the card recognition module 120 and the information input by the user using the information input module 170 (eg, a card password). It is responsible for depositing and withdrawing banknotes and checks on the basis of the financial transaction processing performed by 100). In FIG. 2, only the input and output units of the banknote and the check are shown. The receipt issuance module 140 may issue a receipt corresponding to the financial business process result performed by the automated financial device 100. 2 only the receipt output unit is shown.

The branch paper recognition module 150 may read the user information and the payment information from the paper into which the paper is inserted from the outside and output the read information to the controller 110. Then, the control unit 110 based on the information read out from the branch paper recognition module 150 and the information input by the user using the information input module 170, the network of the financial institution through the communication module 230 You can access the network and perform various financial tasks.

That is, the user may use the automated financial device 100 to pay telephone bills, electricity bills, insurance fees, telecommunications fees, national pensions, etc., as well as deposits, deposits, and wire transfers to financial institutions, as well as various papers. have. In this case, the receipt issuance module 140 may output a receipt corresponding to the processed financial result based on the user information, information on the payment amount, and information generated by the information input module.

The first display module 160 is based on the information recognized from the card or the paper inserted into the outside and the information generated by the information input module, the financial business usage guidance, financial business processing status, and financial business processing results Can be displayed on the screen. The first display module 160 may display various data using a cathode-ray tube (CRT) panel, a liquid crystal display (LCD) panel, an organic light emitting diodes (OLED) panel, and the like. It is not limited to this. The same applies to the second display module 180.

The information input module 170 may include at least one of a plurality of input buttons, a capacitive touch screen, an infrared touch screen, and a resistive touch screen. In the embodiment of FIG. 2, a user may input information using a plurality of input buttons included in the information input module 170. In this case, the information input module 170 using the touch screen may be implemented as one module with the first display module 160.

The second display module 180 may display the content received from the content providing server (not shown) on the screen using the communication module 230. The content may be provided in real time from the content providing server and displayed through the second display module 180. The content may be stored in the data storage 220 of the automated financial device 100 and then the second display module ( 180 may be displayed.

The sound module 190 may be a sound signal related to a financial service usage guide displayed on the first display module 160, a financial business process status, and a financial business process result, and a content displayed on the second display module. May occur.

The security sensor module 200 may generate a security guard signal based on at least one emergency condition among door opening, impact, and tilting of the automated financial device. In this case, the acoustic module 190 may generate an alarm sound in response to the guard start signal, and the controller 110 notifies the guard company immediately through the communication module 230 of the guard start signal for the automation. The security company may be notified of an emergency condition occurring in the financial device 100.

The camera module 210 may photograph the vicinity of the automated financial device 100 and the dynamics of the user. The image data photographed by the camera module 210 may be stored in the data storage unit 220 or transmitted to a financial institution server or a security company server through the communication module 230.

The data storage unit 220 may store a financial transaction processing history of the user using the automated financial device 100, image data photographed by the camera module 210, content received from a content providing server, and the like. . The data storage unit 220 may be implemented as a nonvolatile memory device such as a hard disk drive or a flash memory module. The user of the automated financial device 100 may communicate with a financial institution worker, a security company worker, and the like using the interphone 240.

The automated financial device 100 performs real-time monitoring of the operation of the automated financial device 100 in response to a control signal received through the communication module 230, and controls the operation of the automated financial device 100. The real-time monitoring result for the transmission may be transmitted through the communication module. The control signal may be a security company server, a financial institution server, a content providing server, or a security company worker terminal, a financial institution worker terminal, a content providing service server manager terminal, and an automated financial device connected to the automated financial device 100 through a network. It may be received from the administrator terminal or the like.

A user of the automated financial device 100 does not visit a financial institution, and performs financial services such as financial product consultation and loan consultation in real time with a financial institution worker who accesses a financial institution server using the automated financial device 100. can do. In this case, the automated financial device 100 photographs the user using the camera module 210 and provides the captured image to the financial institution worker through the communication module 230. In addition, the automated financial device 100 provides a voice signal of the user generated through the interphone 240 to the financial institution worker through the communication module 230.

The image provided from the financial institution worker may be displayed on the screen of the first display module 160 or the second display module 180, and the voice of the financial institution worker is transmitted to the user through the acoustic module 190. Can be. Of course, the user may input information related to the financial service using the information input module 170, and the input information may be provided to the financial institution worker through the communication module 230.

3 is a block diagram of a financial system 300 according to an embodiment of the present invention. Below. 1 to 3, the operation of the financial system 300 will be described. Referring to FIG. 3, the financial system 300 includes a plurality of automated financial devices 100, a service server 400, and a plurality of manager terminals 500 disposed at points A and B. The plurality of automated financial devices 100, the service server 400, and the plurality of manager terminals 500 may be connected to each other through a network (eg, Ethernet).

Since each of the plurality of automated financial devices 100 has been described with reference to FIGS. 1 and 2, a detailed description thereof will be omitted. In the financial system 300, the administrator of the automated financial device 100 is connected to the service server 400 to set a content providing environment for the automated financial devices that are in charge of them within their management authority, It is possible to set up an automated financial device management environment for controlling the operation of the automated financial devices in charge.

Then, the service server 400 may provide a plurality of automated financial devices or control the plurality of automated financial devices based on a content providing environment and an automated financial device management environment set by an automated financial device manager. Control signals can be generated and transmitted to the automated financial device.

For example, the automated financial device manager uploads an image edited by the manager terminal 500 to the service server 400 as shown in FIG. 3 so that the automated financial device managed by the user is downloaded. You can set up the management environment.

The content providing environment that can be set by the manager of the automated financial devices may include content, order, providing time, and whether a sound signal is provided to the plurality of automated financial devices. However, the scope of the present invention is not limited thereto.

The automated financial device management environment that may be set by the automated financial device manager may include an operation state monitoring condition, an operation time, a content download time, and a content download state monitoring condition of the automated financial device. However, the scope of the present invention is not limited thereto.

4 is a flowchart illustrating a content providing process of the financial system 300 shown in FIG. Hereinafter, the process will be described in detail with reference to FIGS. 3 and 4.

The automated financial device manager accesses the service server 400 using the manager terminal 500 and sets a content providing environment for providing content to the automated financial device 100 (S40). In this case, the automated financial device manager may also set an automated financial device management environment for managing and controlling the operation of the automated financial device 100.

Then, the service server 400 may display the content to be displayed on the screen of the second display module 180 of the automated financial device 100 through the network based on the content providing environment set by the automated financial device manager. 100) (S41). The transmitted content may include at least one of a video, a still image, and an audio signal.

Then, the automated financial device 100 may display the content received from the service server 400 through the second display module 180 in real time. In addition, the automated financial device 100 may store the content received from the service server 400 in the data storage unit 220 and then display the content through the second display module 180 (S42).

5 is a block diagram of a financial system 300 'according to another embodiment of the present invention. Referring to FIG. 5, it can be seen that in the financial system 300 ′, the plurality of automated financial devices 100 may be divided into a plurality of automated financial device groups and managed by groups. In this case, each of the group servers 400B to 400E managing the group of automated financial devices may be provided with a secondary domain, and the secondary domain may be routed by a domain name system (DNS) server 400A.

Then, the automated financial device group manager accesses a group server corresponding to a group managed by the automated financial device group, and provides contents to the automated financial devices 100 within the group or manages and controls the automated financial devices 100. can do. In this case, contents may be provided to the automated financial devices 100 in the group, or management and control of the automated financial devices 100 may be performed for the entire group or may be performed for each individual automated financial device 100.

6 is a flowchart illustrating a method for monitoring an automated financial device group of the financial system 300 ′ shown in FIG. 5. Hereinafter, the process will be described sequentially with reference to FIGS. 5 and 6.

The automated financial device group manager establishes an automated financial device group management environment for controlling the automated financial device group for each group or device by accessing a group server corresponding to the automated financial device group managed by the automated financial device group manager (S60). Then, the group server generates and transmits a plurality of control signals for managing the group of automated financial devices based on the set automated financial device group management environment (S61).

Then, the automated financial device receiving the plurality of control signals monitors whether the automated financial device is normally operated in real time in response to the plurality of control signals and transmits the same to the group server, or corresponds to the plurality of control signals. The operation is performed (S62).

The invention has been described with reference to one embodiment shown in the drawings, but this is only illustrative, and those skilled in the art will understand that various modifications and equivalent other embodiments are possible therefrom. Therefore, the true technical protection scope of the present invention should be defined by the technical spirit of the appended claims.

1 is a block diagram of an automated financial device according to an embodiment of the present invention.

FIG. 2 is a front view of the automated financial device shown in FIG. 1.

3 is a block diagram of a financial system according to an embodiment of the present invention.

4 is a flowchart illustrating a content providing process of the financial system shown in FIG. 3.

5 is a block diagram of a financial system according to another embodiment of the present invention.

6 is a flowchart illustrating a method for monitoring an automated financial device group of the financial system illustrated in FIG. 5.

Claims (12)

An information input module including a plurality of keypads for inputting deposit and withdrawal related information and user authentication information; A first display module configured to display a financial business usage guide, a financial business processing status, and a financial business processing result on a screen based on information recognized from the card or paper inserted into the outside and information generated by the information input module; ; A second display module configured to display content received from a content providing server through a communication module on a screen; And Automation including a sound module for generating a sound signal associated with the financial business usage guidance displayed on the first display module, the financial business processing status, and the financial business processing results and the content displayed on the second display module Automatic Teller Machine. The method of claim 1, wherein the automated financial device Transmitting the image photographed by the camera module, the voice signal of the user generated through the interphone, and the information generated using the information input module to the financial institution server through the communication module, The image received from the financial institution server through the communication module is displayed on the screen of the first display module or the second display module, and the sound signal received from the financial institution server through the communication module is output through the sound module. An automated financial device that can perform real-time financial consultations. The method of claim 1, wherein the automated financial device A paper recognition module for reading user information and information on the amount of payment from paper, which is inserted from the outside; And And a receipt issuance module for outputting a receipt corresponding to the financial business result processed based on the user information, the information about the payment amount, and the information generated by the information input module. The method of claim 1, wherein the automated financial device It further comprises a security sensor module for generating a security guard start signal based on at least one emergency state of the door opening, impact, and tilting for the automated financial device, And generate an alarm sound through the acoustic module in response to the expense start signal or notify the security company of an emergency condition occurring in the automated financial device through the communication module. The method of claim 1, wherein the automated financial device And real-time monitoring of the operation of the automated financial device in response to a control signal received through the communication module, and transmitting a real-time monitoring result of the operation of the automated financial device through the communication module. Multiple automated financial instruments; And A service server for providing content to the plurality of automated financial devices or generating a plurality of control signals for controlling the plurality of automated financial devices, The manager of the plurality of automated financial devices A financial system capable of accessing the service server to set a content providing environment to the plurality of automated financial devices, and to set up an automated financial device management environment for managing the plurality of automated financial devices and controlling their operations. The method of claim 6, wherein each of the plurality of automated financial devices An information input module including a plurality of keypads for inputting deposit and withdrawal related information and user authentication information; A first display module configured to display a financial business usage guide, a financial business processing status, and a financial business processing result on a screen based on information recognized from the card or paper inserted into the outside and information generated by the information input module; ; A second display module configured to display content received from the service server on a screen through a communication module; And A finance module including a sound module for generating a sound signal associated with a financial service usage guide displayed on the first display module, a finance business process status, and a financial business process result and a content displayed on the second display module. system. The method of claim 7, wherein the automated financial device Transmitting the image photographed by the camera module, the voice signal of the user generated through the interphone, and the information generated using the information input module to the financial institution server through the communication module, The image received from the financial institution server through the communication module is displayed on the screen of the first display module or the second display module, and the sound signal received from the financial institution server through the communication module is output through the sound module. A financial system that allows you to conduct real-time financial consultations. The method of claim 6, wherein each of the automated financial devices A paper recognition module for reading user information and information on the amount of payment from paper, which is inserted from the outside; And And a receipt issuance module for outputting a receipt corresponding to the financial business result processed based on the user information, information on the payment amount, and information generated by the information input module. The method of claim 6, wherein each of the automated financial devices It further comprises a security sensor module for generating a security guard start signal based on at least one emergency state of the door opening, impact, and tilting for the automated financial device, And in response to the expense initiation signal, generating an alarm sound through the acoustic module or notifying the security company of an emergency condition occurring in the automated financial device through the communication module. The method of claim 6, wherein the manager of the plurality of automated financial devices And a content providing environment including at least one of contents, order, providing time, and whether a sound signal is provided to the plurality of automated financial devices. The method of claim 6, wherein the manager of the plurality of automated financial devices And a financial system capable of setting an automated financial device management environment including at least one of an operation state monitoring condition, an operation time, a content download time, and a content download state monitoring condition of the automated financial device.

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