KR20110032735A - Cash dispensing method using mobile bar-code, mobile terminal containing cash dispensing function and cash dispensing system using mobile bar-code - Google Patents

Abstract

PURPOSE: A cash withdrawing method using a mobile barcode of a mobile phone is improve the security through three level security system such as network, ATM(Automatic Telling Machine) etc. CONSTITUTION: An ATM generates a barcode for executing the VM software in a user's mobile terminal using a mobile barcode(S310). The ATM deciphers an approval key and necessary information from the generated barcode(S320). The ATM transmits the approval key and barcode generation time to a data processing server(S330). The ATM permits the cash withdrawal as much as the recorded amount in the barcode(S340).

Description

Cash dispensing method using mobile barcode, mobile terminal with cash withdrawal function and cash withdrawal system using mobile barcode {Cash dispensing method using mobile bar-code, Mobile terminal containing cash dispensing function and Cash dispensing system using mobile bar-code}

The present invention relates to a cash withdrawal service of the bank, and more particularly, to a cash withdrawal method using a mobile barcode, a portable terminal with a built-in cash withdrawal function and a cash withdrawal system using a mobile barcode.

Generally, automated teller machines (“ATM devices”) are cash payments, cash deposits, and wire transfers, such as those performed by cashiers at counters, even during non-business hours or holidays when customers of financial institutions are unable to go through the counter. Refers to a device that automatically performs processing and bill exchange.

These ATM machines are used for banks' host computer systems in places other than the counters of department stores, department stores, express bus terminals, and building premises, for the purpose of streamlining business operations such as non-business hours and holidays, and improving customer service. It is connected to the system and online so that the customer can directly perform the necessary work.

Recently, customers using ATM devices have been on the rise due to the addition of unique functions such as cash deposits and withdrawals, as well as various functions for making reservations, reservations and giro of various plays and movies.

1 illustrates an ATM device according to the prior art.

The ATM device 10 includes a control processor 16, first and second module units 20 and 22, and a main control unit 18 for controlling an ATM device. The main control unit 18 includes communication equipment, such as a modem or a Lan Card, for mutual data communication with the bank's host computer 12 and the external host computer 14. In addition, the first and second module units 20 and 22 are provided with a numeric keypad for inputting data and a display device such as a screen.

The ATM device 10 configured as described above has an electric signal corresponding to the operated key when the user operates a key located in the first module unit 20 to perform a desired operation such as cash withdrawal and balance inquiry. Generated and the encoded data is transmitted to the host computer 12 via the communication line. At this time, the control processor 16 and the main control unit 18 perform various procedures prior to data transmission for transmitting the encoded data, that is, connection with the counterpart host computer, confirmation of the counterpart host computer, and the like. After the transfer of data, perform the following procedure, such as confirming that the data transfer is executed correctly, confirming that it has finished, and then disconnecting the line.

The host computer 12 reads the transmitted encoded data, and the control unit (not shown in the figure) retrieves the corresponding data to be provided to the user from the storage means. When the search is completed, the control unit transmits data to the ATM device 10, and the transmitted data is provided to the user through the display device. That is, the corresponding service for the input data of the user called from the main controller 18 of the ATM device 10 is processed in real time from the host computer 12 in the bank while inputting data into the ATM device 10, The response to the service is provided to the user through the display unit or a separate output device.

In other words, an ATM device that acts as a teller of a bank is installed in various areas outside the bank, connected to a central host computer through a communication line, and operated by a customer by themselves. Customer requests are processed in real time. The operation of such an ATM device can be connected not only to the host computer 12 in the bank but also to other host computers 14 in a specific region, thereby sharing the service with other banks or companies providing services.

On the other hand, the recent increase in the use of cash and credit cards used in ATM devices, and charging a certain amount of money to a card or credit card that can be used on buses, subways, etc. It became. In other words, bus and subway fare payments can be made not only with cash and tickets, but also with IC cards, and the use of IC cards allows users to pay the fare by contacting the IC card with the card reader when boarding the bus or subway. It became.

Such IC cards are generally classified into a contact card and a contactless card. A contact card inserts a card directly into a card reader, and a card reader reads data stored in the card, such as a cash card and a credit card. Non-contact cards such as bus cards are a new type of IC card that inputs and outputs information using electromagnetic waves, and can transmit information with a card reader in a range of several mm to several meters depending on the strength of the electromagnetic wave.

At this time, when the data stored in the card, for example, to store a certain amount corresponding to cash or recharge the charge, the charging process is performed using a separate charging device. That is, when charging a bus card that is currently generalized, data is input to the bus card according to the cash to be charged at a place having a designated charging device.

The first technical problem to be achieved by the present invention is to provide a cash withdrawal method using a mobile barcode that can reduce the cost of issuing a cash card, improve security, and implement a financial integration service through a mobile device.

The second technical problem to be achieved by the present invention is to provide a mobile terminal with a built-in cash withdrawal function applied to the cash withdrawal method using the mobile barcode.

The third technical problem to be achieved by the present invention is to provide a cash withdrawal system using a mobile barcode that can reduce the cost of issuing a cash card, improve security, and implement a financial integration service through a mobile device.

In order to achieve the above first technical problem, the present invention comprises the steps of reading the authorization key from the barcode generated by the ATM device by the mobile terminal running the virtual machine software; Transmitting the read approval key to a data processing server for approval; And entering the mode in which the ATM device permits the withdrawal of the cash amount corresponding to the withdrawable amount recorded in the bar code.

Preferably, the barcode may be a two-dimensional barcode including at least one of information on the cash withdrawal account, information on the amount withdrawable, the approval key, public key.

Cash withdrawal method using a mobile barcode according to an embodiment of the present invention comprises the steps of transmitting a virtual machine software for barcode generation to the portable terminal by the barcode server; Reading, by the portable terminal, an approval key from a barcode generated by executing the virtual machine software; Transmitting the read approval key to a data processing server for approval; Transmitting the withdrawal completion information to the data processing server by the ATM device when cash withdrawal is completed in the ATM device; And when the barcode server confirms the drawing completion information in the data processing server, transmitting a control command to the portable terminal to delete the barcode.

Preferably, the transmitting of the barcode generation virtual machine software includes: when the portable terminal accesses the barcode server through a mobile telephone base station, the barcode server is connected to the barcode server through a mobile communication service provider network. It may include the step of transmitting.

Preferably, the transmitting of the barcode generation virtual machine software includes: when the portable terminal accesses the barcode server through an access point, the barcode server transmits the barcode generation virtual machine software via an internet service provider network. It may include the step.

Preferably, the step of transmitting the virtual machine software for generating a barcode may include transmitting the URL address of the barcode server to the portable terminal by the barcode server.

Preferably, the approval step includes the step of receiving the cash withdrawal account information included in the bar code from the bar code server from the ATM device; And performing the account verification procedure by comparing the customer account information stored in the data processing server with the cash withdrawal account information.

Cash withdrawal method using a mobile barcode according to another embodiment of the present invention includes the steps of transmitting a virtual machine software for barcode generation to the portable terminal by the barcode server; Reading, by the portable terminal, an approval key from a barcode generated by executing the virtual machine software; Transmitting the read approval key to a data processing server for approval; Transmitting the withdrawal completion information to the data processing server by the ATM device when cash withdrawal is completed in the ATM device; And when the barcode server confirms the withdrawal completion information in the data processing server, transmitting a control command to the portable terminal to instruct the updating of the barcode so that the balance of the cash withdrawal account is reflected in the barcode. .

In order to achieve the second technical problem, the present invention is connected to a barcode server communication unit for receiving a virtual machine software for barcode generation; A key input unit for receiving a barcode generation request; A controller which executes the virtual machine software according to the barcode generation request, displays the generated barcode on a screen, and deletes the barcode when the communication unit receives a control command from the barcode server; And it provides a portable terminal with a cash withdrawal function comprising a bar code information storage unit for storing the generated bar code.

In order to achieve the third technical problem, the present invention provides a mobile terminal for generating a bar code by executing the virtual machine software, and displays the generated bar code on the screen; A barcode server for transmitting the barcode generation virtual machine software to the portable terminal and transmitting a control command to the portable terminal to delete the barcode when the data processing server confirms the withdrawal completion information; A data processing server for storing customer account information and balance information; And reading the approval key from the barcode generated by the portable terminal by executing the virtual machine software, transmitting the read approval key to the data processing server for approval, and when the withdrawal of cash is completed, the withdrawal completion information is processed. Provided is a cash withdrawal system using a mobile barcode, including an ATM machine to send to the server.

According to embodiments of the present invention, three levels of security, such as network, SKVM, GVM, ATM, excellent security, reduce the cost of issuing a cash card, using a mobile barcode lost / stolen / damaged card There is no concern, and it is easy to implement financial integration services centering on mobile terminals such as mobile phones.

Hereinafter, with reference to the drawings will be described a preferred embodiment of the present invention. However, embodiments of the present invention illustrated below may be modified in various other forms, and the scope of the present invention is not limited to the embodiments described below.

In embodiments of the present invention, a one-dimensional or two-dimensional barcode may be used.

One-dimensional barcodes are spreading one-dimensional barcodes having information of about 20 characters, these barcodes are conveniently used in logistics management. That is, the information of the product can be grasped by a barcode scanner which is attached to the product to which the barcode is distributed and can read the information (the price of the product, the distribution state of the product, etc.) of the barcode. Recently, in addition to products, information management by barcodes has been used in various ways, and the range of use has also increased due to its convenience.

The two-dimensional bar code applied to the present invention is a next generation labeling technique capable of low space occupancy, high information, and various information processing functions as a braille code. The two-dimensional (2D) symbology is a planarization of data arranged on both axes (X-direction, Y-direction) to compensate for the limitation of data representation, which is a problem of the conventional one-dimensional (1D) barcode symbology.

2A is a conceptual diagram of a cash withdrawal system according to an embodiment of the present invention.

A user who wants to use a mobile barcode in an ATM device subscribes to the service through a bank window. The bank computer system transmits the URL through a short message (SMS) to connect the user's portable terminal to an address where the virtual machine (VM) software can be downloaded.

The mobile terminal accesses the bank computer system through wireless Internet access using SMS URL push, and downloads virtual machine software for mobile barcode generation after user authentication.

Thereafter, the mobile terminal generates the mobile barcode by executing the corresponding software, performing user authentication, and the like, and using the same in an ATM device capable of recognizing the mobile barcode.

FIG. 2B illustrates an example of a mobile terminal 300 applied to FIG. 2A.

The program storage unit 32 is a storage space for storing virtual machine software received from a bank computer system, and is a volatile or nonvolatile memory device.

The communication unit 33 connects to the barcode server of the bank computer system and receives the virtual machine software for barcode generation.

The control unit 34 executes the virtual machine software according to the virtual machine software execution request, barcode generation request, etc. of the key input unit 35, and displays the generated barcode on the screen.

The key input unit 35 is an input means such as a dial button of a mobile phone, a navigation button of a smartphone, a touch screen, and the like. The key input unit 35 receives a request for executing a virtual machine software and a request for generating a mobile barcode.

FIG. 2C illustrates another example of the mobile terminal 400 applied to FIG. 2A.

The program storage unit 32 is a storage space for storing the virtual machine software received from the bank computer system.

The communication unit 33 connects to the barcode server of the bank computer system and receives the virtual machine software for barcode generation.

The control unit 34 executes the virtual machine software according to the virtual machine software execution request, barcode generation request, etc. of the key input unit 35, and displays the generated barcode on the screen. The screen on which the barcode is displayed may be a liquid crystal display (LCD) device basically installed in a mobile phone.

The control unit 34 deletes the barcode generated by the virtual machine software from the barcode information storage unit 37 when the communication unit 33 receives a control command from the barcode server.

The key input unit 35 receives a request for executing a virtual machine software and a request for generating a mobile barcode.

The barcode information storage unit 37 stores the barcode generated or updated by the virtual machine software.

3 is a flowchart illustrating a cash withdrawal method using a mobile barcode according to an embodiment of the present invention.

First, a barcode is generated by executing a virtual machine software for barcode generation in a mobile terminal of a user who wants to withdraw cash using a mobile barcode (S310). The generated barcode contains the approval key or other security information. Preferably, the bar code generated by the virtual machine software may be a two-dimensional bar code including information on the cash withdrawal account, information on the amount of withdrawable money, an approval key, a public key, a generation time of the bar code, and the like.

Next, the ATM device reads the approval key and necessary information (such as the generation time of the barcode) from the barcode generated in the portable terminal (S320).

When the ATM device receives the read permission key and the generation time of the barcode to the data processing server and receives the approval (S330), the ATM device enters a mode for allowing cash withdrawal as much as the withdrawable amount recorded on the barcode (S340). Then, the cash prepared in the ATM device can be actually withdrawn to the holder of the portable terminal.

The approval process (S330) of the data processing server is a process of processing as unauthenticated when the user exceeds the limited time (preset validity period) compared with the authentication time of the data processing server when the user uses the mobile barcode. It may include. The barcode server or the data processing server may induce the mobile terminal to regenerate the mobile barcode when it is not authenticated, i.e., rejects the authentication.

4A to 4D illustrate examples of the virtual machine software download process of FIG.

When the mobile terminal receives the text message as shown in FIG. 4A, the mobile terminal presses a "call (or connect)" key to access the wireless Internet site. At this time, the wireless Internet site as shown in Figure 4b is connected to the barcode server of the bank computer system.

As shown in Figure 4c, the site can be accessed by the WAP method commonly used in mobile phones, after the WAP access password and social security number is entered, the user authentication is completed. 4D shows a screen for downloading a mobile virtual machine.

5a to 5d illustrate an example of the virtual machine software execution process of FIG.

The virtual machine implemented in FIG. 5A is software called "mobile wallet".

As shown in FIG. 5B, when a user inputs a preset password, a card for generating a mobile barcode can be selected as shown in FIG. 5C. Here, the card selected is a virtual card, which means a barcode electronic card. When the card selection is completed, the bar code generated as shown in Figure 5d can be seen on the screen.

6 is a block diagram of a cash withdrawal system using a mobile barcode according to an embodiment of the present invention.

The portable terminal 300 executes the virtual machine software to generate a barcode, and displays the generated barcode on the screen.

The barcode server 510 transmits the virtual machine software for barcode generation to the mobile terminal 300. When the bar code server 510 confirms the withdrawal completion information at the data processing server 550, the bar code server 510 transmits a control command to the mobile terminal 300 to instruct to delete the bar code of the mobile terminal 300.

The SMS gateway 520 transmits an SMS URL for accessing the mobile terminal 300 to the mobile communication provider network 530.

The ATM device 540 reads the approval key from the barcode generated by the portable terminal 300 executing the virtual machine software. The ATM device 540 transmits the read permission key to the data processing server 550 for approval. The ATM device 540 transmits the withdrawal completion information to the data processing server 550 when the barcode is approved and cash withdrawal is completed.

The data processing server 550 stores customer account information and balance information.

The maintenance server 590 is connected to the barcode server 510 to monitor the operation of the barcode server 510.

7 is a flowchart illustrating a cash withdrawal method using a mobile barcode according to another embodiment of the present invention.

First, when the portable terminal connects to the barcode server (S701), the barcode server transmits the virtual machine software for barcode generation to the portable terminal (S702). The portable terminal stores the downloaded virtual machine software in an internal storage space. In one embodiment of the present invention, this process (S702) is a process for transmitting the virtual machine software for barcode generation via the mobile communication provider network when the mobile terminal is connected to the barcode server through a mobile phone base station It may include. In another embodiment of the present invention, this process (S702) may include the process of transmitting the virtual machine software for barcode generation via the Internet service provider network when the mobile terminal accesses the barcode server through an access point. Can be. In an embodiment of the present disclosure, the process S702 may include a process of transmitting a URL address of the barcode server to the portable terminal by the barcode server.

Next, the mobile terminal generates a mobile barcode by executing the virtual machine software (S710).

When the user brings the mobile barcode displayed on the screen of the portable terminal to the barcode reading means of the ATM device, the ATM device reads various information including the approval key from the barcode (S720).

When the ATM device transmits the read permission key to the data processing server for approval (S730), the ATM device enters the cash withdrawal permission mode to allow the cash to be withdrawn (S731). The approval process (S730) may include a process in which the barcode server receives the cash withdrawal account information included in the barcode from the ATM device and performs an account verification procedure by comparing the customer account information and the cash withdrawal account information stored in the data processing server. Can be. If the authentication fails, an error message is output on the screen of the portable terminal or the screen of the ATM device (S741).

A control command for instructing the ATM device to delete the bar code of the mobile terminal when the ATM device sends the withdrawal completion information to the data processing server when the ATM device withdraws the cash, and the barcode server confirms the withdrawal completion information at the data processing server; Is transmitted to the mobile terminal (S732). According to an embodiment, the process S732 may be a process of transmitting, by the portable terminal, a control command for instructing the update of the mobile barcode to the portable terminal so that the balance of the cash withdrawal account is reflected on the barcode.

Using a mobile barcode according to embodiments of the present invention, it is possible to replace a conventional bank card in the form of a magnetic card.

The invention can be implemented via software. Preferably, the cash withdrawal method using a mobile barcode according to an embodiment of the present invention can be provided by recording a program for executing in a computer on a computer-readable recording medium. When implemented in software, the constituent means of the present invention are code segments that perform the necessary work. The program or code segments may be stored on a processor readable medium or transmitted by a computer data signal coupled with a carrier on a transmission medium or network.

Computer-readable recording media include all kinds of recording devices that store data that can be read by a computer system. Examples of the computer readable recording medium include ROM, RAM, CD-ROM, DVD 占 ROM, DVD-RAM, magnetic tape, floppy disk, hard disk, optical data storage, and the like. The computer readable recording medium can also be distributed over network coupled computer devices so that the computer readable code is stored and executed in a distributed fashion.

Although the present invention has been described with reference to one embodiment shown in the drawings, this is merely exemplary, and it will be understood by those skilled in the art that various modifications and variations may be made therefrom. And, such modifications should be considered to be within the technical protection scope of the present invention. Therefore, the true technical protection scope of the present invention will be defined by the technical spirit of the appended claims.

The present invention relates to a cash withdrawal service of the bank, and more particularly, to a cash withdrawal method using a mobile barcode, a portable terminal with a built-in cash withdrawal function and a cash withdrawal system using a mobile barcode.

1 illustrates a system connected to a conventional ATM device.

2A is a conceptual diagram of a cash withdrawal system according to an embodiment of the present invention.

FIG. 2B illustrates an example of a mobile terminal applied to FIG. 2A.

FIG. 2C illustrates another example of the mobile terminal applied to FIG. 2A.

3 is a flowchart illustrating a cash withdrawal method using a mobile barcode according to an embodiment of the present invention.

4A to 4D illustrate examples of the virtual machine software download process of FIG.

5a to 5d illustrate an example of the virtual machine software execution process of FIG.

6 is a block diagram of a cash withdrawal system using a mobile barcode according to an embodiment of the present invention.

7 is a flowchart illustrating a cash withdrawal method using a mobile barcode according to another embodiment of the present invention.

Claims (11)

In the method of withdrawing cash using a mobile barcode, An ATM device reading the approval key from the barcode generated by the portable terminal by executing the virtual machine software; Transmitting the read approval key to a data processing server for approval; And And entering the mode in which the ATM device permits the withdrawal of the cash amount corresponding to the withdrawable amount recorded in the bar code. The method of claim 1, The barcode is The cash withdrawal method using a mobile barcode, characterized in that the two-dimensional barcode including at least one of information on the cash withdrawal account, information on the amount withdrawable, authorization key, public key. In the method of withdrawing cash using a mobile barcode, Transmitting, by the barcode server, the virtual machine software for barcode generation to the portable terminal; Reading, by the portable terminal, the approval key and the generation time of the barcode from the barcode generated by executing the virtual machine software; Transmitting the read approval key and generation time to a data processing server for approval; Transmitting the withdrawal completion information to the data processing server by the ATM device when cash withdrawal is completed in the ATM device; And And transmitting the control command to the portable terminal to delete the bar code when the bar code server confirms the withdrawal completion information in the data processing server. The method of claim 1, The barcode is The cash withdrawal method using a mobile barcode, characterized in that the two-dimensional barcode including at least one of the information on the cash withdrawal account, information on the amount of withdrawable, authorization key, public key or the barcode. The method of claim 3, wherein Transmitting the virtual machine software for barcode generation And when the portable terminal accesses the barcode server through a mobile telephone base station, the barcode server transmitting the barcode generation virtual machine software via a mobile communication service provider network. How to withdraw cash. The method of claim 3, wherein The approved step of transmitting the read approval key and generation time to the data processing server for approval And rejecting the approval when the data processing server confirms the approval key after a predetermined validity period has elapsed from the generation time. The method of claim 3, wherein Transmitting the virtual machine software for barcode generation The barcode server comprises the step of transmitting the URL address of the barcode server to the portable terminal, cash withdrawal method using a mobile barcode. The method of claim 3, wherein The approval step Receiving, by the barcode server, cash withdrawal account information included in the barcode from the ATM device; And performing the account verification procedure by comparing the customer account information stored in the data processing server with the cash withdrawal account information. In the method of withdrawing cash using a mobile barcode, Transmitting, by the barcode server, the virtual machine software for barcode generation to the portable terminal; Reading, by the portable terminal, an approval key from a barcode generated by executing the virtual machine software; Transmitting the read approval key to a data processing server for approval; Transmitting the withdrawal completion information to the data processing server by the ATM device when cash withdrawal is completed in the ATM device; And If the barcode server confirms the withdrawal completion information in the data processing server, transmitting a control command to the portable terminal instructing the updating of the barcode so that the balance of the cash withdrawal account is reflected in the barcode. Cash withdrawal method using mobile barcode. A communication unit which accesses a barcode server and receives virtual machine software for barcode generation; A key input unit for receiving a barcode generation request; A controller which executes the virtual machine software according to the barcode generation request, displays the generated barcode on a screen, and deletes the barcode when the communication unit receives a control command from the barcode server; And A portable terminal having a cash withdrawal function comprising a barcode information storage unit for storing the generated barcode. A mobile terminal for generating a barcode by executing the virtual machine software and displaying the generated barcode on a screen; A barcode server for transmitting the barcode generation virtual machine software to the portable terminal and transmitting a control command to the portable terminal to delete the barcode when the data processing server confirms the withdrawal completion information; A data processing server for storing customer account information and balance information; And The portable terminal reads the approval key from the barcode generated by executing the virtual machine software, transmits the read approval key to the data processing server for approval, and when the withdrawal of cash is completed, the withdrawal completion information is received from the data processing server. A cash withdrawal system using a mobile barcode, including an ATM machine to transmit to.

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