KR20110105091A - Automatic teller machine - Google Patents

Automatic teller machine Download PDF

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Publication number
KR20110105091A
KR20110105091A KR1020100024145A KR20100024145A KR20110105091A KR 20110105091 A KR20110105091 A KR 20110105091A KR 1020100024145 A KR1020100024145 A KR 1020100024145A KR 20100024145 A KR20100024145 A KR 20100024145A KR 20110105091 A KR20110105091 A KR 20110105091A
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KR
South Korea
Prior art keywords
personal identification
identification information
information
terminal
service
Prior art date
Application number
KR1020100024145A
Other languages
Korean (ko)
Inventor
김기진
윤현진
Original Assignee
노틸러스효성 주식회사
Priority date (The priority date is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the date listed.)
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Publication date
Application filed by 노틸러스효성 주식회사 filed Critical 노틸러스효성 주식회사
Priority to KR1020100024145A priority Critical patent/KR20110105091A/en
Publication of KR20110105091A publication Critical patent/KR20110105091A/en

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    • G—PHYSICS
    • G07—CHECKING-DEVICES
    • G07F—COIN-FREED OR LIKE APPARATUS
    • G07F19/00—Complete banking systems; Coded card-freed arrangements adapted for dispensing or receiving monies or the like and posting such transactions to existing accounts, e.g. automatic teller machines
    • G07F19/20—Automatic teller machines [ATMs]
    • G—PHYSICS
    • G07—CHECKING-DEVICES
    • G07F—COIN-FREED OR LIKE APPARATUS
    • G07F7/00—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus
    • G07F7/08—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus by coded identity card or credit card or other personal identification means
    • G07F7/10—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus by coded identity card or credit card or other personal identification means together with a coded signal, e.g. in the form of personal identification information, like personal identification number [PIN] or biometric data
    • H—ELECTRICITY
    • H04—ELECTRIC COMMUNICATION TECHNIQUE
    • H04W—WIRELESS COMMUNICATION NETWORKS
    • H04W4/00—Services specially adapted for wireless communication networks; Facilities therefor
    • H04W4/80—Services using short range communication, e.g. near-field communication [NFC], radio-frequency identification [RFID] or low energy communication

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  • Physics & Mathematics (AREA)
  • General Physics & Mathematics (AREA)
  • Engineering & Computer Science (AREA)
  • Computer Networks & Wireless Communication (AREA)
  • Signal Processing (AREA)
  • Business, Economics & Management (AREA)
  • Accounting & Taxation (AREA)
  • Finance (AREA)
  • Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)

Abstract

A search unit for generating an event requesting customer information and searching for a terminal including an electronic chip in response to the event, in association with a transaction request for a service; An information receiving unit obtaining personal identification information identified according to a selection command among personal identification information held in the electronic chip of the searched terminal; And a processing unit which checks the personal identification information and performs the service.

Description

Financial Automation Equipment {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. Due to these advantages of the financial automation equipment, the number of customers, the installation number and the installation place of the financial automation equipment are rapidly increasing, and nowadays, it becomes easy to find the financial automation equipment anywhere.

On the other hand, the automated teller machine not only provides financial services performed by financial institutions, but also provides various linked services. In this case, when the automatic teller machine provides a service, input of personal identification information such as a resident registration number, an account number, and a password is required, so that the user has to input the personal identification information directly.

In general, the personal identification information frequently used is likely to be pre-registered in the mobile communication terminal. Therefore, there is a need for a financial automation device that allows a user to use a service more conveniently by utilizing personal identification information maintained in a mobile communication terminal.

The present invention solves the inconvenience of a user directly inputting personal identification information by searching for a terminal including an electronic chip and receiving the personal identification information maintained in the electronic chip in association with a transaction request for a service. It aims to do it.

According to an aspect of the present invention, an automated teller machine includes: a search unit for generating an event for requesting customer information and searching for a terminal including an electronic chip in response to the event in association with a transaction request for a service; An information receiving unit obtaining personal identification information identified according to a selection command among personal identification information held in the electronic chip of the searched terminal; And a processing unit which checks the personal identification information and performs the service.

According to an embodiment of the present invention, in response to a transaction request for a service, a user may memorize personal identification information by searching for a terminal including an electronic chip and receiving personal identification information maintained in the electronic chip, or The inconvenience of directly inputting personal identification information can be eliminated.

In addition, by instantly receiving the personal identification information held in the electronic chip, it is possible to easily obtain the personal identification information within a limited input time.

1 is a conceptual diagram illustrating a schematic structure of an automated teller machine.
2 is a diagram showing the internal configuration of the automatic teller machine according to an embodiment of the present invention.
3 is a diagram illustrating an example of displaying a list of information received from a terminal in a financial automatic machine according to an embodiment of the present invention.
4 is a diagram illustrating an example of editing personal identification information in an automated teller machine according to an embodiment of the present invention.
5 is a flowchart illustrating a method of operating an automated teller machine according to an embodiment of the present invention.

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.

The term " financial automatic teller machine " used in the present invention, as well as ATM (Automated Teller Machine), as well as cash dispenser (CD: Cash Dispenser) or bank, insurance, credit card, etc. It is broadly interpreted as a concept that includes a series of unmanned automated devices, such as kiosks, which provide a variety of additional services such as utility billing, ticket issuance, and point accumulation. .

1 is a conceptual diagram illustrating a schematic structure of an automated teller machine.

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

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

Banknotes and withdrawals 120 of the bill counts and stores the bill, and the bankbook 130 reads the bankbook and performs the bankbook cleaning task. The card reader 140 reads a card according to a customer's financial transaction card input and performs a card related task. 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 the automated teller machine, 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 internal configuration of the automatic teller machine according to an embodiment of the present invention. The present invention may automatically receive necessary information from a user's terminal to identify a user who is actually provided with the service in a state where financial information (credit card / account number, etc.) for receiving a service is already input. .

Referring to FIG. 2, the automated teller machine 200 according to an embodiment of the present invention includes a searcher 201, an information receiver 203, an information editor 205, and a processor 207.

The search unit 201 generates an event requesting customer information in association with a transaction request for a service and searches for a terminal (not shown) including an electronic chip that responds to the event. The search unit 201 may be an electronic chip reader, and the electronic chip may be, for example, a Radio Frequency Identification Card (RFID) chip or a Universal Subscriber Identity Module (USIM) chip.

The information receiving unit 203 obtains personal identification information identified according to a selection command from among personal identification information held in the searched electronic chip of the terminal. Specifically, the information receiving unit 203 receives a list of information for listing-up personal identification information from the terminal and displays it on the screen, and displays the personal identification information identified according to a selection command (eg, inputting a related number) from the information list. Can be obtained. Here, the personal identification information may be a generic name of information identifying an individual such as a resident registration number, a phone number, an account number, and a card number of the terminal. do.

The information receiving unit 203 may receive the personal identification information identified by the user in response to the event by obtaining the personal identification information identified according to the user's selection command from the information list. For example, when an event for requesting a phone number of the terminal occurs, the information receiving unit 203 acquires personal identification information identified according to a user's selection command from the information list received from the terminal in response to the event, thereby confirming from the user. The phone number of the terminal can be provided.

In addition, the information receiving unit 203 may request the personal identification information from the terminal, and receive the personal identification information extracted from the information list held in the electronic chip in response to the request, from the terminal. For example, the information receiver 203 may request the resident registration number from the terminal and receive from the terminal the resident registration number extracted from the information list held in the electronic chip in response to the request. The information receiving unit 203 may receive the personal identification information from the terminal in response to the request, thereby obtaining necessary personal identification information without user intervention.

The information editing unit 205 supports editing work on the personal identification information, thereby inducing infinite expansion of information using the personal identification information and convenient input. That is, the information editing unit 205 may display personal identification information identified according to a selection command in the information list or received according to a request for personal identification information on a screen, and edit the personal identification information on the screen according to an editing command. have.

In this case, the information editing unit 205 may receive a deletion edit for the number data constituting the personal identification information or an additional edit for the number data generated through the keypad as the editing command.

For example, in the case of providing a service, when a phone number of a terminal other than the telephone number of the user terminal is required, according to the present invention, even after receiving the telephone number of the user terminal from the terminal, partial editing (number deletion) of the received telephone number is performed. / Number addition), it is possible to obtain the phone number of the other terminal required.

In addition, when there is an error in the personal identification information, the information editing unit 205 may easily correct the error by editing the personal identification information.

In addition, the information editing unit 205 may update the personal identification information maintained in the tank chip by transmitting the edited personal identification information to the terminal and supporting the registration on the electronic chip of the terminal according to a registration command.

The processor 207 confirms the personal identification information and performs the service. At this time, the processor 207 may perform the service by checking the personal identification information according to the selection completion command or the editing completion command for the personal identification information.

In addition, the processor 207 may extract the number data constituting the personal identification information, and may perform the service when the extracted number data is authenticated. For example, when providing a withdrawal service, the processing unit 207 extracts the number data constituting the password of the deposit account input from the terminal and based on the password provided from the bank server managing the deposit account, the extracted number. When the data is authenticated, the account withdrawal service can be performed.

According to an embodiment of the present invention, in response to a transaction request for a service, a user may memorize personal identification information by searching for a terminal including an electronic chip and receiving personal identification information maintained in the electronic chip, or The inconvenience of directly inputting personal identification information can be eliminated.

In addition, by instantly receiving the personal identification information held in the electronic chip, it is possible to easily obtain the personal identification information within a limited input time.

3 is a diagram illustrating an example of displaying a list of information received from a terminal in a financial automatic machine according to an embodiment of the present invention.

Referring to FIG. 3, the automated teller machine receives an information list for listing personal identification information from a terminal including an electronic chip, in response to an event requesting customer information generated in association with a transaction request for a service. Display on the screen.

For example, the automated teller machine may display a list of information including at least one of a social security number, a telephone number, a bank account, or a card number as personal identification information regarding the user 'Hong Gil-dong'. Each of the pieces of information is associated with a set key number, thereby supporting selection of predetermined information in the information list.

For example, the automated teller machine can receive and display a list of information for each group, that is, 'Hong Gil-dong, Chunhyang-gi, Shim-cheong', respectively. It is possible to receive and display a list of information including '② phone number, 010-1234-7889', '③ bank account, 002145-01-4567', and '④ credit card, 1234-7894-1245-5623'. .

In addition, the automated teller machine can check the personal identification information according to the selection command for the information list.

For example, the automated teller machine can transmit the personal identification information of '701211-1234567' which is confirmed according to the selection command for '① social security number, 701211-1234567' from the information list to the automatic response server. The selection command is generated by focusing a field in the information list where '① social security number, 701211-1234567' is located by using a direction key or touch, or selecting a key button '1' while the information list is displayed on the screen. Can be generated by key input for a specified time.

In FIG. 3, an information list for each individual user is described as an example, but in addition, an information list for collectively arranging telephone numbers / resident numbers of a plurality of users may be created.

4 is a diagram illustrating an example of editing personal identification information in an automated teller machine according to an embodiment of the present invention.

Referring to FIG. 4, when the automatic teller machine receives the selection completion command for the personal identification information, the automatic teller machine may display the selected personal identification information and edit the personal identification information on the screen according to the editing command. In other words, the automated teller machine can receive personal edits, such as delete edits to the number data constituting the personal identification information or additional edits to the number data generated through the keypad, as the edit command.

For example, when the automated teller machine receives a confirmation command for the personal identification information '701211-1234567', '701211-1234567' is displayed on the screen, and the delete edit '1234' and the additional edit '2987' are received from the user. Personal identification information may be displayed by modifying it to '701211-2987567'.

Subsequently, when an editing completion command is generated, the automatic teller machine generates the number data constituting the edited personal identification information, that is, '7,0,1,2,1,1,2,9,8,7,5,6. You can check the '7' to perform the service.

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

Referring to FIG. 5, the automated teller machine generates an event requesting customer information and searches for a terminal including an electronic chip that responds to the event in association with a transaction request for a service (501).

The automated teller machine obtains personal identification information identified according to a selection command from among personal identification information held in the electronic chip of the searched terminal. Specifically, the automated teller machine receives a list of information for listing-up personal identification information from the terminal and displays it on the screen (503), and personal identification information identified according to a selection command (for example, inputting a related number) in the information list. Obtain (505).

Here, the information list is provided to the user through the screen of the automated teller machine, and the user may input a selection command through a predetermined selection button provided in the mobile communication terminal.

In addition, the automated teller machine may request the personal identification information from the terminal, and receive the personal identification information extracted from the list of information held in the electronic chip in response to the request, from the terminal. Here, the request for personal identification information is generated in the automated teller machine when input of information such as a user's social security number, telephone number, password, etc. is required in providing a service.

The automatic teller machine checks the personal identification information and performs the service (507). In this case, the automated teller machine may extract the number data constituting the personal identification information, and perform the service if the extracted number data is authenticated.

In operation 505, the automated teller machine displays the acquired personal identification information on a screen and edits the personal identification information on the screen according to an editing command. Here, the automated teller machine may receive a deletion edit for the number data constituting the personal identification information or an additional edit for the number data generated through the keypad as the editing command.

Therefore, the automated teller machine can easily modify the personal identification information by editing the personal identification information when the personal identification information needs to be extended to various information by adjusting the personal identification information or when there is an error in the personal identification information. .

Embodiments of the present invention include computer readable media including 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 not only machine code generated by a compiler, but also high-level language code that can be executed by a computer using an interpreter or the like.

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.

200: automated teller machine 201: search unit
203: information receiving unit 205: information editing unit
207: processing unit

Claims (6)

A search unit for generating an event requesting customer information and searching for a terminal including an electronic chip in response to the event, in association with a transaction request for a service;
An information receiving unit obtaining personal identification information identified according to a selection command among personal identification information held in the electronic chip of the searched terminal; And
A processor that checks the personal identification information and performs the service
Automatic financial equipment comprising a. The method of claim 1,
Wherein the information receiver comprises:
Receiving a list of information to list-up personal identification information from the terminal to display on the screen, and obtains the personal identification information identified in accordance with the selection command from the information list, automated teller machine. The method of claim 1,
Wherein the information receiver comprises:
Requesting the personal identification information to the terminal, and receiving the personal identification information extracted from the information list held in the electronic chip in response to the request from the terminal. The method of claim 1,
Wherein,
And extracting the number data constituting the personal identification information, and performing the service if the extracted number data is authenticated. The method of claim 1,
An information editing unit displaying the personal identification information on a screen and editing the personal identification information on the screen according to an editing command;
Further comprising:
Wherein,
In response to the editing completion command, confirming the edited personal identification information, and performs the service. The method of claim 5,
The information editing unit,
And a deletion edit for the number data constituting the personal identification information or an additional edit for the number data generated through the keypad as the editing command.
KR1020100024145A 2010-03-18 2010-03-18 Automatic teller machine KR20110105091A (en)

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Cited By (1)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
KR20210033183A (en) * 2019-09-18 2021-03-26 코리아크레딧뷰로 (주) Method for fulfilling customer identification obligation by using simplified customer information input service in electronic financial transaction

Cited By (1)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
KR20210033183A (en) * 2019-09-18 2021-03-26 코리아크레딧뷰로 (주) Method for fulfilling customer identification obligation by using simplified customer information input service in electronic financial transaction

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