KR20110051030A - Method of offering cyber automatic teller machine service - Google Patents

Abstract

PURPOSE: A method of offering a cyber automatic teller machine service is provided to enable anybody to user a banking service rapidly by providing a user terminal to an existing user. CONSTITUTION: An icon of a financial terminal is outputted to the screen of a desktop computer. If an icon is selected, a security module is executed and the transaction screen skin of the financial terminal is outputted(S107). The financial terminal includes financial transaction menus. If one of the financial transaction menus is selected, the next step financial screen skin corresponding to the menu is outputted.

Description

Method of offering cyber automatic teller machine service

Embodiments of the present invention are directed to a method of arranging a virtual financial terminal icon on a desktop of a mobile terminal or a PC or a part of a specific website, and providing a user interface similar to a conventional real financial terminal when the icon is selected. will be.

The ATM (Automatic Teller Machine) is an essential device for the financial industry because it enables customers to conduct their own financial transactions without having to face the salesperson.

In particular, since ATM provides a simple and intuitive financial transaction screen (user interface), anyone can use it easily even if it is not explained. However, since the conventional ATM is installed in a public place such as a sales office or a subway in the form of a kiosk, customers have to move to a certain place for financial transactions.

Meanwhile, banking services using the Internet are becoming more common due to the development of IT technology. Internet banking differs from ATM in that customers can make financial transactions directly at home or in the office without having to visit a branch.

However, some layers (especially older people) who are not familiar with the Internet environment tend to have difficulty with Internet banking, and even those who are familiar with the Internet environment have two steps to open a separate browser and access the banking site. Since the connection time is delayed, the connection procedure is cumbersome.

The problem to be solved by the embodiments of the present invention is to visit a sales office or find a real financial terminal by installing a virtual financial terminal icon with excellent accessibility on a PC and providing a user interface similar to a conventional financial terminal when the icon is selected. It is to suggest a way that anyone can use banking service quickly and easily without having to.

One aspect of the present invention for this purpose, the step of outputting the icon of the financial terminal on the desktop, and if the icon is selected after executing the security module to output the transaction screen skin of the financial terminal including a predetermined financial transaction menu And a step of outputting a transaction screen skin of a next step corresponding to the menu when one of the step and the financial transaction menu is selected.

Here, the virtual financial terminal service may be implemented in the form of a widget.

Another aspect of the present invention includes the steps of outputting an icon of a financial terminal on one side of a screen when accessing a web page of a preset address, and if the icon is selected, includes a predetermined financial transaction menu after executing a security module. The present invention relates to a virtual financial terminal service providing method comprising the step of outputting a transaction screen skin of a financial terminal, and outputting a transaction screen skin of a next step corresponding to the menu when one of the financial transaction menus is selected.

Here, the virtual financial terminal service may be implemented in any one form of applet, script and ActiveX.

In the above two aspects, the predetermined financial transaction menu includes at least one of account inquiry, remittance, bill payment, credit card authorization inquiry, credit card cash service, and check inquiry. The predetermined financial transaction menu may be disposed on left and right sides of the initial transaction screen skin of the financial terminal, and an advertisement banner may be disposed in the center of the initial transaction screen skin of the financial terminal.

According to the embodiments of the present invention, even a customer who is not familiar with the Internet can access an electronic financial service more easily because the financial transaction screen can be used as it is while using a real financial terminal. In addition, the electronic banking transaction can be started by a simple method of clicking an icon provided on one side of the monitor screen without executing a browser and entering a URL.

On the other hand, through the embodiments of the present invention can directly enhance the service of the non-face-to-face channel to the customer to increase the customer service satisfaction, and indirectly can reduce the work load of the window by reducing the window manpower requirements.

DETAILED DESCRIPTION Hereinafter, exemplary embodiments of the present invention will be described in detail with reference to the accompanying drawings by those skilled in the art. As those skilled in the art would realize, the described embodiments may be modified in various different ways, all without departing from the spirit or scope of the present invention. In the drawings, parts irrelevant to the description are omitted in order to clearly describe the present invention, and the same reference numerals are used for the same parts throughout the specification.

Throughout the specification, when a part is said to "include" a certain component, it means that it may further include other components, except to exclude other components unless specifically stated otherwise.

Throughout the specification, the term "financial terminal" refers to a kiosk serving an ATM / CD (Automatic Teller Machine / Cash Dispencer) or a similar role used in the first financial sector or the second financial sector.

≪ Example 1 >

Embodiment 1 relates to a case where an icon of a financial terminal is placed on a desktop in a system employing an OS based on a graphical user interface.

1A to 1D show an example of a virtual financial terminal service providing screen according to the first embodiment.

Computer operating systems based on graphical user interfaces include Microsoft's Windows series, Apple's system series, and GNU's Linux series, which are used in desktops, laptops, and mobile terminals such as cell phones, smartphones, and PDAs. In general, the operating systems listed above provide a user interface in which a plurality of execution icons are arranged on a desktop at the beginning of driving.

In the desktop example of FIG. 1A, a plurality of execution icons are disposed on the left side of the desktop and an icon of the virtual financial terminal is disposed on the upper right side.

The financial terminal icon of the first embodiment may be disposed on the desktop as shown in FIG. 1A, but may be disposed on a tray 110 at the bottom of the desktop. In addition, since the position movement on the background screen is free, it is not fixedly arranged at a specific position. However, according to the setting option, it may be determined whether to be located only on the desktop or in front of all windows when one or more execution windows exist.

As shown in the example of FIG. 1A, when the icon 100 of the financial terminal is output on the desktop (S101), the user clicks or double-clicks the icon 100 to execute the virtual financial terminal service.

Next, as shown in the example of FIG. 1B, if the icon 100 of the financial terminal is selected to prevent hacking of authentication information or various financial transaction information while the virtual financial terminal service is provided, before the virtual financial terminal service is started. The predetermined security module is executed first (S103). The security module may include at least one of a first module that prevents various hacks including keyboard hacking, a second module that prevents virus intrusion, and a third module for interworking with an authentication process.

When the security module is normally executed, as shown in the example of FIG. 1C, login information such as an ID and a password is input for authentication of a user, or a password of a certificate is input (S105). If the user's authentication is successful, the transaction screen skin of the virtual financial terminal including the predetermined financial transaction menu is output as shown in the example of FIG. 1D (S107). When any one of the financial transaction menus is selected, a trade screen skin of a next step corresponding to the corresponding menu is output.

2A through 2C sequentially illustrate screen examples of providing a virtual financial terminal service.

As shown in Figure 2a, it can be seen that the user interface of the virtual financial terminal service is very similar to the user interface provided by the ordinary real financial terminal. In other words, predetermined financial transaction menus are arranged on the left and right sides of the initial transaction screen skin of the virtual financial terminal, and advertisement banners such as introduction of financial products, safety rules for financial transactions, and guidance on providing services are arranged in the center.

It has been a long time since the introduction of financial terminals in Korea, and there has been no significant change in the trading screens of financial terminals. Most financial traders of all ages are accustomed to the user interface of the above arrangement. Therefore, users who have had difficulty in electronic transactions due to the complicated use procedure of the Internet banking site can easily use the virtual financial terminal service without having to know how to use it separately.

In the example of FIG. 2A, a menu such as "account inquiry", "transfer", "pay utility bill", etc. is arranged on the left side of the initial transaction screen skin of the virtual financial terminal, and "credit card usage history" and "credit card cash" on the right side. Menus such as "services" and "check inquiries" are arranged. In the center, an advertising banner is arranged.

Herein, an example of a financial transaction process in the case of selecting “account inquiry” is as follows with reference to FIGS. 2A to 2C.

When the user selects "account inquiry" (S201), a plurality of accounts held by the user are listed. If the user selects an account to be queried from among the plurality of accounts (S203), the details of the deposit and withdrawal from the account for a predetermined period is listed (S205). Of course, although not shown in the figure may be further provided with a user interface that can directly enter a period for the user to query.

In the real financial terminal, a transaction is made through a cash card or a bank account, so there is no need to select an account in the processing of "account inquiry", "transfer" and "payment of utility bills". (Or login), so the process of selecting any one of a plurality of accounts for the menus should be further added.

In addition, unlike the real financial terminal in the virtual financial terminal service of Example 1, there is no menu of "cash withdrawal".

The "credit card cash advance" menu refers to a service for depositing credit card loans into a predetermined account or an account selected by a user using the credit function of the credit card, not for cash withdrawal purposes. To do this, when the user selects the "credit card cash advance" menu, the user lists the credit card possessed by the user or provides a screen for inputting credit card information (card number, password, expiration date, etc.), and then selects a desired amount of loan. Provides a screen to receive input. In addition to this, a screen for selecting an account to be remitted for the loan due to the cash service may be further provided.

When a financial institution server (not shown in the drawing) receives a cash service request from the user terminal providing a virtual financial terminal service together with the inputted information, the financial institution server (or user) is automatically reviewed according to preset criteria. Transfer the loan amount (or loan amount determined by the examination) to the selected account).

In addition, menus such as "transfer", "pay bill" and "check check" are the same as the financial transaction screen provided by the real financial terminal, and thus detailed description thereof will be omitted.

The virtual financial terminal service of the first embodiment may be implemented in the form of a general application using a simple icon as a medium for execution. It may be implemented in the form of a widget (widget) that further provides a function).

<Example 2>

Embodiment 2 relates to a case where an icon of a financial terminal is arranged on a part of a web page of a preset address.

3A to 3D show an example of a virtual financial terminal service providing screen according to the second embodiment.

In order to place an icon of a virtual financial terminal at a predetermined point in a web page screen of a predetermined user resource location (URL), an image file or a flash file corresponding to the icon is placed at a specific location in the source of the web page. Included are tags and scripts that describe the action taken when the icon is selected. It is preferable to use a portal search site where a user frequently accesses the web page, but is not necessarily limited thereto. Therefore, the virtual financial terminal icon may be placed not only on the user's blog site, twitter site, mini homepage site, but also on a shopping site and an online cafe site.

In addition, certain predetermined sites (e.g., the home page of the financial institution) may also use applets, scripts, Links for inserting ActiveX, widgets, etc. may be provided.

In the example web page screen of FIG. 3A, an icon of a virtual financial terminal is disposed on the upper right side of the web page (S301). When the icon 200 of the financial terminal arranged on the web page is selected, the virtual financial terminal service is executed.

Here, before the virtual financial terminal service is executed in earnest, as shown in the example of FIG. 3B, a predetermined security module needs to be executed first to prevent hacking of authentication information or various financial transaction information while the virtual financial terminal service is provided. There is (S303). The security module may include at least one of a first module that prevents various hacks including keyboard hacking, a second module that prevents virus intrusion, and a third module for interworking with an authentication process.

When the security module is normally executed, as shown in the example of FIG. 3C, login information such as an ID and a password is input for authentication of a user, or a password of a certificate is input (S305). If the web page on which the icon 200 for the virtual financial terminal service is disposed provides a process for logging in through a predetermined registration process, authentication information (for example, an ID and password) for logging in to the web page is S305. It can be used as information to log in to the finance company server in the step.

Therefore, when the user executes the virtual financial terminal service after logging in to the corresponding web page, S305 is performed by a single sign on agent (not shown in the drawing) that is running in advance without inputting separate authentication information. The user authentication procedure of the step is performed automatically.

The SSO agent is a program that runs in the background and may be executed at the time of accessing the web page, but is preferably executed only when the user accesses the web page and completes user authentication through a login procedure. .

The SSO agent monitors whether the user selects the icon 9200 of the virtual financial terminal. If the icon 200 is selected, the SSO agent displays login information on the web page instead of the user authentication information required in step S305. Send to server. This applies when the login information of the web page and the authentication information of the financial institution server are the same.

Alternatively, when the icon 200 is selected, the SSO agent may automatically retrieve authentication information of a pre-stored financial institution server and transmit the authentication information to the financial institution server. This is based on the premise that although the login information of the web page and the authentication information of the financial institution server are different from each other, identity verification is guaranteed by logging in to the web page.

If the user authentication is normally performed in step S305, the transaction screen skin of the virtual financial terminal including the predetermined financial transaction menu is output as shown in the example of FIG. 1D (S307). When any one of the financial transaction menus is selected, the next transaction screen skin corresponding to the corresponding menu is output. The process in which the financial transaction menu is selected and the next step is performed accordingly is the same as in the first embodiment.

The virtual financial terminal service of the second embodiment may be implemented in the form of any one of applets, scripts, and ActiveX, and may be implemented by adding a visual effect to Macromedia's Flash.

Meanwhile, Embodiments 1 and 2 described above may be equally applied to a touch screen-based terminal. For example, in the touch-type mobile terminal, an icon or a widget of the financial terminal is disposed on one side of the desktop, and when the corresponding icon or widget is selected, the user interface of the financial terminal is output on the screen of the mobile terminal. In the case of a mobile terminal, the screen size is relatively smaller than that of a desktop or a laptop, so that the user interface of the financial terminal is set to be output at the full screen size of the mobile terminal.

The embodiments of the present invention described above are not implemented only by the method, but may be implemented through an apparatus, a program that realizes a function corresponding to the configuration of the embodiment of the present invention, or a recording medium on which the program is recorded. Can be easily implemented from the description of the above-described embodiments.

In addition, although the embodiments of the present invention have been described in detail above, the scope of the present invention is not limited thereto, and various modifications and improvements made by those skilled in the art using the basic concepts of the present invention defined in the following claims are provided. Forms also belong to the scope of the present invention.

1A to 1D show an example of a virtual financial terminal service providing screen according to the first embodiment.

2A through 2C sequentially illustrate screen examples of providing a virtual financial terminal service.

3A to 3D show an example of a virtual financial terminal service providing screen according to the second embodiment.

Claims (10)

Outputting an icon of a financial terminal on a desktop; If the icon is selected, executing a security module and outputting a transaction screen skin of a financial terminal including a predetermined financial transaction menu; And Outputting a transaction screen skin of a next step corresponding to the menu when any one of the financial transaction menus is selected; Virtual financial terminal service providing method comprising a. The method of claim 1, The predetermined financial transaction menu includes at least one of account inquiry, remittance, bill payment, credit card approval history inquiry, credit card cash service, check inquiry. The method of claim 2, The predetermined financial transaction menu is disposed on the left and right sides of the initial transaction screen skin of the financial terminal. The virtual financial terminal service providing method, characterized in that the advertising banner is disposed in the center of the first transaction screen skin of the financial terminal. The method of claim 3, The financial transaction menu is a virtual financial terminal service providing method, characterized in that selected via the touch screen. The method according to any one of claims 1 to 4, The virtual financial terminal service is a virtual financial terminal service providing method, characterized in that implemented as a widget. Outputting an icon of a financial terminal to one side of a screen when accessing a web page of a preset address; If the icon is selected, executing a security module and outputting a transaction screen skin of a financial terminal including a predetermined financial transaction menu; And Outputting a transaction screen skin of a next step corresponding to the menu when any one of the financial transaction menus is selected; Virtual financial terminal service providing method comprising a. The method of claim 6, The predetermined financial transaction menu includes at least one of account inquiry, remittance, bill payment, credit card approval history inquiry, credit card cash service, check inquiry. The method of claim 7, wherein The predetermined financial transaction menu is disposed on the left and right sides of the initial transaction screen skin of the financial terminal. The virtual financial terminal service providing method, characterized in that the advertising banner is disposed in the center of the first transaction screen skin of the financial terminal. The method of claim 8, The financial transaction menu is a virtual financial terminal service providing method, characterized in that selected via the touch screen. The method according to any one of claims 6 to 9, The virtual financial terminal service is a virtual financial terminal service providing method, characterized in that implemented in any one form of applet, script and ActiveX.

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