KR20130006414A - Method for processing money exchange - Google Patents

Abstract

PURPOSE: An exchange processing method is provided to perform an exchange service by using an automated teller machine with an exchange object cash kind included in exchange application information which is provided from a user. CONSTITUTION: A card/account information confirmation unit(110) confirms user card information from a storage medium(125). A withdrawal processing unit(115) confirms an exchange application amount included in exchange application statement data. The withdrawal processing unit withdraws the amount of money corresponding to a confirmed exchange request from a user card. [Reference numerals] (100) Financial server; (105) Information receiver; (110) Card/account information confirmation unit; (115) Withdrawal processing unit; (120) Data transmitter; (125) Storage medium; (130) Automated exchange processing equipment; (135) Server; (AA) Exchange processing system; (BB) User personal information; (CC) User card/account information; (DD) Card/account withdrawal(exchange) history information; (EE) Network

Description

How to process currency exchange {Method for Processing Money Exchange}

According to an aspect of the present invention, there is provided a currency exchange processing method executed by an automatic teller machine communicating with a financial server, the method comprising: outputting an interface for inputting exchange request information, and converting a currency exchange amount and currency target currency of the exchange request information input through the interface; Confirming the amount of money to be withdrawn from the card or the bank account of the customer applying for currency exchange by applying the exchange rate data corresponding to the confirmed currency to be exchanged to the money exchange amount, and calculating the withdrawal amount from the card or the bank account. The present invention relates to a currency exchange processing method for withdrawing a money exchange amount corresponding to the money withdrawal amount when withdrawal is possible.

Devices such as ATM (Automated Teller Machine) are one of the closest customer channels to perform basic financial transactions presented by automating existing window services based on the cash demands of financial transactions customers. Its importance is being highlighted by differentiation through new value-added services.

However, while the provision of more diverse services using ATMs is increasing, it is not possible to use heterogeneous currencies (eg, withdrawal and / or deposit), so that customers using currency exchange services find ATMs that can use these currencies. Or the inconvenience of using a bank or the like.

An object of the present invention is to provide an exchange processing method executed by an automated teller machine communicating with a financial server, the method comprising: outputting an interface for inputting exchange request information and exchange money amount and exchange money of the exchange request information input through the interface; Checking the target currency and applying the exchange rate data corresponding to the identified target currency to the exchange amount to calculate the withdrawal amount to be withdrawn from the card or the bank account of the customer applying for exchange; When the withdrawal of the withdrawal amount is possible, the present invention provides a method for processing a currency including the step of withdrawing the exchange amount corresponding to the withdrawal amount.

According to another aspect of the present invention, there is provided a method for processing a currency exchange, which is executed by an automatic teller machine communicating with a financial server, the method comprising: outputting an interface for inputting exchange request information and exchanging exchange request information input through the interface; Determining an amount of money to be withdrawn from the customer's card or bank account by applying money exchange rate data corresponding to the amount and currency to be exchanged; If it is possible to withdraw the calculated withdrawal amount from the bank account, it is characterized in that it comprises the step of withdrawal processing the exchange amount corresponding to the withdrawal amount.

In the currency exchange processing method according to the present invention, the interface includes an interface for inputting card or financial account information, an interface for inputting a password for the card or financial account, and an interface for inputting currency type and currency exchange information. Characterized in that it comprises one or more.

In the exchange processing method according to the present invention, when the exchange rate data change from the server, receiving the changed exchange rate data characterized in that it further comprises the step of synchronizing the exchange rate data stored in the automated teller machine.

On the above-mentioned exchange processing system, by providing with the user by synchronizing with a server (or terminal) on the network and / or receiving exchange rate data from the server (or terminal) in real time or periodically (or when exchange rate data changes). By performing currency exchange processing using an automated processing device that exchanges money corresponding to the type of currency to be exchanged included in the exchange request information, the customer can shorten the time required to exchange money and receive a more convenient exchange service. There is an advantage.

In addition, the exchange service provider (for example, financial institutions, etc.) has the advantage that it can quickly and efficiently handle the exchange business that was processed at the exchange window.

In addition, there is an advantage that can reduce the time / space expenses according to the fast and efficient processing of exchange services.

1 is a view showing a schematic configuration of a preferred currency exchange processing system according to the present invention.
2 is a view showing a schematic configuration of a preferred automatic currency exchange processing apparatus according to the present invention.
3 is a simple flowchart of a currency exchange process according to a preferred embodiment of the present invention.
4 is a simple flowchart of a currency exchange process according to a preferred embodiment of the present invention.
Figure 5 is a simplified illustration of the exchange rate data according to a preferred embodiment of the present invention.

Hereinafter, with reference to the accompanying drawings and description will be described in detail the operating principle of the currency exchange processing system according to the present invention. It should be understood, however, that the drawings and the following detailed description are exemplary and explanatory and are intended to provide further explanation of the invention, and are not to be construed as limiting the present invention. In the following description of the present invention, a detailed description of known functions and configurations incorporated herein will be omitted when it may make the subject matter of the present invention rather unclear. The terms used below are defined in consideration of the functions of the present invention, which may vary depending on the user, intention or custom of the operator. Therefore, the definition should be based on the contents throughout the present title.

It is to be understood that both the foregoing general description and the following detailed description of the present invention are exemplary and explanatory and are intended to provide further explanation of the invention as claimed. The configuration is omitted as much as possible, and a functional configuration that should be additionally provided for the present invention is mainly described.

Those skilled in the art will readily understand the functions of components that have been used in the prior art among the functional configurations that are not shown in the following description, The relationship between the elements and the components added for the present invention will also be clearly understood.

1 is a view showing a schematic configuration of a preferred currency exchange processing system according to the present invention.

Referring to FIG. 1, a preferred currency exchange system is a card (or financial account book) input (or provided) from a user in conjunction with a financial server 100 on a network and / or a predetermined server 135 (or a terminal). ) A currency exchange automated processing device 130 for automatically performing currency exchange processing according to information and currency exchange application information (for example, currency types and currency exchange information), and a predetermined network from the automated currency processing device 130. A server (or terminal) for transmitting the card (or financial account) authentication inquiry information and / or currency exchange request request information to the financial server 100 corresponding to the card (or financial account); According to the exchange request information (for example, exchange application data, etc.) transmitted from the automated currency processing device 130 and / or the server 135 (or the terminal) through the network, the exchange of money of the user It is configured to include, and the financial server 100 for transmitting the money exchange processing details to the automated currency exchange processing unit 130, withdraw a predetermined money exchange processing amount through the automated currency processing device 130 It is characterized by.

In addition, referring to FIG. 1, a storage medium 125 including user personal information, and / or user card / account information, and / or card / account usage (exchange) history information included in the currency exchange processing system includes: It may be located in the financial server 100, and / or in the server 135 (or terminal), and / or may be located as a separate database server or the like on the network.

In addition, it is preferable that the automated currency exchange device 130 includes at least one information processing device, a cash dispenser, and a cash withdrawal device.

In addition, the user card (or financial account) that provides the exchange amount corresponding to the exchange request, the MS (Magnetic Stripe) card, IC card, at least one or more financial IC chip, electronic bankbook mounted on or detached from the wireless terminal It may include.

In addition, the user card (or financial account), preferably at least one or more of a cash card, debit card, credit card, check card.

In addition, between the automated currency exchange device 130 and the server 135 (or terminal), and / or between the server 135 (or terminal) and the financial server 100, and / or the automated currency exchange process The network connecting the device and the financial server 100 includes at least a financial common network or a value added network (VAN) or high-speed Internet (eg, ADSL / VDSL / Cable Network /.../ satellite communication). It is preferable to include one or more.

In particular, the financial server 100 shown in Figure 1, in order to smoothly perform the exchange process using the automated currency exchange processing apparatus according to the present invention, the information receiving unit 105, card / account information confirmation unit 110 and , The withdrawal processing unit 115, and the data transmission unit 120 may be configured.

Preferably, the information receiving unit 105 of the financial server 100, a series of operations (e.g., user card (or financial account)) inquiry work performed in the automated currency exchange processing device 130, full text generation for currency exchange application Receive information data).

For example, when the exchange request specialized data is generated according to the exchange request of the user in the automated exchange device 130, the information receiving unit 105 is the automated exchange device 130 and / or the server through the network The exchange request message data is received from the 135 (or the terminal).

Preferably, the card / account information check unit 110 of the financial server 100, when the exchange request message is received through the information receiving unit 105, with reference to the received information data, the user card (Or financial account information) information (and / or account information corresponding to the card (or financial account information)) is confirmed from the storage medium 125.

For example, the card / account information confirming unit 110 confirms user card (or financial account) number information and / or user unique code information included in the currency exchange application data, and corresponds to the confirmed information. User card (or financial account) information (and / or account information corresponding to the card (or financial account) information) may be confirmed from the storage medium 125.

Preferably, the withdrawal processing unit 115 of the financial server 100, through the card / account information verification unit 110, the card (or financial account) information of the user (and / or the card (or financial account book) When the account information corresponding to the information) is confirmed, the amount of the exchange request included in the data of the exchange application is confirmed, and the amount corresponding to the confirmed exchange request is obtained from the user card (or the bank account) (or the account). Withdraw money.

Preferably, the data transmission unit 120 of the financial server 100, the withdrawal processing unit 115, when the money exchange request amount is withdrawn from the user's card (or bank account) (or account), the The processing result data (for example, the exchange request response specialized data, etc.) is transmitted to the automated currency exchange processing device 130 via a predetermined network and / or a predetermined server 135, so that the automated currency processing device 130 The operation corresponding to the processing result data of the financial server 100 is performed.

In addition, the financial server 100 and / or the server 135 (or terminal) shown in Figure 1, the currency exchange processing device 130 is a currency exchange request from the user to the predetermined exchange target currency to the correct exchange rate The exchange rate data of the currency to be exchanged is transmitted to the automated currency exchange device 130 at every change of real-time and / or periodic and / or exchange rate data so as to withdraw money.

On the other hand, the financial server 100 provided in the illustrated currency exchange processing system is characterized in that it comprises a recording medium recording a computer-readable program for executing the functions of the at least one or more functional components described above.

2 is a view showing a schematic configuration of a preferred automatic currency exchange processing apparatus 130 according to the present invention.

Referring to Figure 2, as an embodiment showing each functional component of the automated currency exchange processing unit 130 provided in the currency exchange processing system shown in Figure 1, the automated currency exchange processing unit 130 shown in this figure Control unit 200, memory 235, output unit 230, key input unit 215, card (or financial account) interface 205, biometric information interface 210, and withdrawal unit ( 245, a call storage unit 250, and a network communication unit 240.

In addition, it is preferable that the illustrated automated currency exchange processing unit 130 includes at least one information processing device, a cash dispenser, and a cash withdrawal device.

Preferably, the control unit 200 of the automated currency exchange device, at least one processor including a Central Processing Unit (CPU) / Micro Processing Unit (MPU) and execution memory (for example, registers and / or random access memory RAM) )) And a bus for inputting and outputting predetermined data. The exchange rate corresponding to the currency type to be exchanged or withdrawn is selected by the user according to the user's exchange request and / or withdrawal request. A predetermined program routine and / or a program which is loaded into the execution memory from a computer-readable recording medium that records a program for performing a currency exchange and / or withdrawal operation and is arithmetic processed by the processor. It is preferable to include data.

In addition, the control unit 200 of the automated currency exchange processing unit 130, at least one or more functional components (for example, the screen output unit, key input unit, card (or financial account) provided in the automated currency exchange processing unit 130). Interface, biometric information interface, withdrawal unit, call storage unit, network communication unit, etc.) and controls the flow of information or data between components and command transmission for implementing the present invention with each component.

In particular, the control unit 200 may be configured to include at least one or more functional units for automated currency exchange according to the present invention. Referring to FIG. 1, the control unit 200 may be a card (or financial account) authentication. Processing unit 255, professional data generating unit 280, professional data transmission unit 285, receiving unit 275, currency exchange processing unit 290, currency exchange rate data synchronization processing unit 265, currency exchange rate data The storage unit 270, a currency exchange rate checking unit 260, and a withdrawal amount calculating unit 295 may be configured.

In more detail, the card (or financial account) authentication processing unit 255, the currency exchange application and / or withdrawal application input through the card (or financial account) interface 205 provided in the automated currency exchange processing unit 130 Input through the card (or financial account) password (or unique pin number) included in the user's card (or financial account) information and the key input unit 215 (or pin pad) provided in the automated currency exchange device 130. The validity of the card (or bank account) is verified by matching the received card (or bank account) password (or unique pin number).

Here, the user card (or financial account) may include at least one or more electronic IC card, a financial IC chip mounted on or detached from an MS (Magnetic Stripe) card, IC card, a wireless terminal.

In addition, it is preferable that the user card (or financial account) includes at least one of a cash card, a debit card, a credit card, and a check card.

In addition, the card (or financial account) authentication processing unit 255, in conjunction with the biometric information interface 210 provided in the automated currency exchange processing unit 130, the user input through the biometric information interface 210 The biometric information (e.g., fingerprint, etc.) may be used to perform card (or financial account) and / or user authentication of the user.

In addition, the user card (or financial account) and / or user authentication process of the card (or financial account) authentication processing unit 255, a predetermined server 135 (or terminal) and / or financial is connected via a network It may be performed in conjunction with the server 100.

Preferably, the specialized data generation unit 280 of the control unit 200, in conjunction with the key input unit 215 (or pin pad) provided in the automated currency exchange processing unit 130, the automated currency exchange processing unit 130 When the exchange request information of the user is input through the exchange request interface provided to the user through the screen output unit 230 of the user, the input through the input of the exchange request information and the card (or bank account) interface 205 is performed. Generates a predetermined exchange request specialized data including the card (or financial account) information.

The specialized data generation unit 280 may further include the withdrawal amount information calculated by applying a predetermined exchange rate to the exchange amount input by the user in the generated exchange request expert data.

Preferably, the expert data transmission unit 285 of the control unit 200 interoperates with the network communication unit 240 provided in the currency exchange automatic processing device 130 and exchanges money generated by the expert data generation unit 280. The request message data is transmitted directly to the financial server 100 corresponding to the card (or financial account book) information through a network, and / or via the predetermined server 135, the exchange money request message data is generated. To transmit to the financial server 100 corresponding to the card (or financial account) information.

Preferably, the receiving unit 275 of the control unit 200 is interlocked with the network communication unit 240 provided in the automated currency exchange processing unit 130, the exchange request professional data generated by the professional data generation unit 280 is When transmitted to the financial server 100 through the professional data transmission unit 285, the user's card (or financial account) information (and / or the user's card) may be referred to the financial server 100 by referring to the exchange data. Check the account information corresponding to the card (or financial account) information, withdraw the amount corresponding to the exchange request from the user card (or the financial account) (or account), and withdraw the processing corresponding to the exchange request. After completion, the processing result data (or the exchange request response specialized data) is transmitted via a predetermined network and / or a predetermined server 135, and the processing result data (or the exchange request). Receive a professional answer data).

Preferably, the exchange processing unit 290 of the control unit 200, the processing result data (or the exchange request response specialized data) received by the receiving unit 275 and / or the processing result data (or the exchange request response specialized data) Refer to the read result data) to process the exchange request of the user.

Here, the currency exchange processing unit 290 reads the processing result data (or the exchange request response specialized data) received by the receiving unit 275 and / or the read result data of the processing result data (or the exchange request response specialized data). With reference to, a predetermined financial company branch terminal (or server 135) withdraws the money exchange amount directly to the user through a predetermined withdrawal unit 245, and / or networked with the automated currency exchange processing device 130; )) May transmit the user information (and / or card (or bank account) information) and the money exchange target information.

In addition, when the exchange request processing of the user is completed, the money exchange processing unit 290 stores the money exchange request processing history in a predetermined memory 235, and / or the network with the money exchange automated processing device 130. The exchange request processing history may be transmitted to a predetermined financial company branch terminal (or server 135) to be connected.

Preferably, the exchange rate data synchronization processing unit 265 of the control unit 200 synchronizes with the predetermined server 135 (or a terminal) to convert at least one exchange rate data in real time (or periodically or from the exchange rate data). Each change) is recorded in a predetermined memory 235 in the automatic currency exchange device 130.

Preferably, the exchange rate data storage unit 270 of the control unit 200 may perform at least one exchange rate data from a predetermined server 135 (or a terminal) in real time (or periodically or whenever the exchange rate data changes). Received and recorded in a predetermined memory 235 in the automated currency exchange device 130.

Here, the currency exchange rate data may include currency exchange rate data to which a predetermined exchange preferential rate according to the use of the automated currency exchange processor 130 is applied.

Further, the exchange rate data synchronization processing unit 265 and / or the server 135 (or the terminal) interoperating with the exchange rate data storage unit 270 may install the currency exchange processing device and / or the management server 135. (Or a terminal) is preferably included.

Preferably, the exchange rate checking unit 260 of the control unit 200 is pre-recorded in a predetermined memory 235 through the exchange rate data synchronization processing unit 265 and / or the exchange rate data storage unit 270. Using the exchange rate data, the exchange rate data corresponding to the currency type to be included in the exchange request information is checked.

Preferably, the withdrawal amount calculation unit 295 of the control unit 200 applies the exchange amount included in the exchange request information to the exchange rate data checked through the exchange rate checking unit 260, according to the exchange. Withdrawal amount information withdrawn from the user's card (or bank account) (or an account corresponding to the card (or bank account)).

In addition, the withdrawal amount calculation unit 295, after applying a predetermined exchange preferential rate according to the use of the automated currency exchange processing unit 130 to the exchange rate data confirmed through the exchange rate confirmation unit 260, the exchange exchange preferential rate Withdraw the money withdrawn from the user's card (or bank account) (or account corresponding to the card (or bank account)) in accordance with the exchange by applying the money exchange amount included in the exchange application information to the applied exchange rate data. Amount information can be calculated.

Here, the withdrawal amount is preferably an amount including a predetermined fee according to the currency exchange.

Referring to FIG. 2, the memory 235 included in the automated currency exchange processor 130 includes a predetermined program routine (or code) and / or a program for controlling the overall operation of the automated currency exchange processor 130. It may be a nonvolatile memory for storing data (eg, information or data input / output when an operation by a program routine (or code) is performed).

In addition, the memory 235 may include at least one or more storage means including hardware electrically electrically and programmable read only memory (EEPROM) and / or flash memory (FM) and / or hard disk drive (HDD). Can be.

In addition, the memory 235 is a predetermined program routine and program data (for example, the program routine that is required for the control unit 200 to perform the control function of the automatic currency exchange processing operation according to the present invention performs a predetermined function). Data input or output) is preferably stored.

In addition, the memory 235, in conjunction with the exchange rate data synchronization processing unit 265, synchronizes with a predetermined server 135 (or a terminal), so that at least one exchange rate data is real-time (or periodically or Each time a change in the exchange rate data) can be recorded.

In addition, the memory 235 is interlocked with the exchange rate data storage unit 270 to receive at least a real time (or periodically or every change of the exchange rate data) from a predetermined server 135 (or a terminal). One or more exchange rate data can be recorded.

In addition, the memory 235 may store a B / L (Black List) required for authenticating the validity of the customer card (or financial account).

The screen output unit 230 shown in FIG. 2 includes a key input unit 215 and / or a card (or financial account) interface 205 and / or during the operation of the automated currency exchange processor 130 according to the present invention. Alternatively, in response to the input information input through the biometric information interface 210 or the like, the predetermined input information processing result processed by the control unit 200 may be displayed by predetermined display means (eg, a liquid crystal display (LCD) and / or Display (or output) may be performed through a predetermined screen output means including a cathode ray tube (CRT) and a voice output means such as a speaker.

Preferably, the screen output unit 230, the authentication result of the card (or financial account) authentication processing unit 255 of the control unit 200, when the validity of the card (or financial account) is authenticated, the user The user can output a predetermined exchange request interface for selecting and / or inputting the currency type and the exchange amount information.

In addition, the screen output unit 230, through the withdrawal amount calculation unit 295 described above in response to the exchange of the user's card (or bank account) (or account corresponding to the card (or bank account)). When the withdrawal amount information withdrawn is calculated, the calculated withdrawal amount information may be output.

As shown, the key input unit 215 of the automatic currency exchange processing unit 130, the card (or financial account) authentication processing unit for the normal operation of the automatic currency exchange processing unit 130 according to the present invention, the user and And / or input from the user a predetermined card (or financial account) password (or unique pin number), which is required to perform a predetermined authentication operation on the user card (or financial account).

In addition, the key input unit 215, through the screen output unit 230, in response to the currency exchange calculated by the withdrawal amount calculation unit 295 of the user's card (or bank account) (or the card ( Alternatively, when the withdrawal amount information withdrawn from the account corresponding to the bank account) is output, the withdrawal confirmation information may be further selected / input from the user who has checked the withdrawal amount information.

According to the present invention, the key input unit 215 preferably includes information input means such as a key pad or a touch screen for inputting the above-described information.

The card (or financial bank account) interface 205 of the automated currency exchange processing unit 130 shown in the drawing is contacted or contactlessly connected to the user card (or financial bank account), so that a predetermined card ( Or financial account book) information.

Preferably, the card (or bank account) interface 205, the financial IC that is mounted or detached to the customer's MS (Magnetic Stripe) card, IC card, wireless terminal in order to perform the automated exchange process according to the present invention The card (or bank account) information may be input from a card (or bank account) including a chip and an electronic bank account. For this purpose, the card (or bank account) interface 205 may include a contact interface and / or a bank account. Or at least one contactless interface and / or a near field communication interface with a wireless terminal.

The contact interface includes at least one contact point that makes an electrical contact contact with a chip on board (COB) provided in a contact IC card according to ISO / IEC 7816. Predetermined information or data (e.g., card number information, chip) from the IC chip is supplied to the IC chip of the IC card and supplied through the half duplex transaction using an APDU (Application Protocol Data Unit). Related information, etc.) may be interfaced to the automated currency processor 130.

In addition, the contactless interface includes at least one antenna that makes electrical contact with the contactless IC card using capacitive coupling and / or inductive coupling based on ISO / IEC 14443. It supplies the power to the IC chip of the IC card through the antenna, the predetermined information or data from the IC chip through the half-duplex transaction using the APDU (for example, card number information, Chip-related information, etc.) may be interfaced to the automated currency processor 130.

In addition, the card (or financial account) interface 255, according to the present invention, when the automated currency exchange processing unit 130 performs the automated currency exchange process, predetermined information (for example, financial information, etc.) from the customer wireless terminal. When provided with, the wireless terminal and a short-range communication interface for a predetermined data communication may be further provided, wherein the short-range communication, portable Internet communication, infrared (Infrared Ray) communication, RF (Radio Frequency) communication, It may include at least one Bluetooth (BlueTooth) communication, Wireless LAN (Wireless LAN) communication, Wi-Fi (Wi-Fi) communication, ZigBee communication, UWB communication.

Preferably, the short-range communication means provided in the card (or bank account) interface 255 is mounted by a predetermined agreement between the operator (or operator) of the automated currency exchange device 130 and the manufacturer (or supplier) of the wireless terminal. May be a corresponding short-range communication means.

When the user owns a card (or a bank account) associated with a predetermined biometric information (eg, a fingerprint, etc.), the biometric information interface 210 included in the automated currency exchange processing unit 130 shown in the drawing may be provided. Receiving biometric information from the user and interworking with the card (or bank account) authentication processing unit 255 to perform user and / or user card (or bank account) validity authentication using the received user bio information. can do.

Referring to FIG. 2, the withdrawal unit 245 of the automated currency exchange processing unit 130 shown in FIG. 2 is processing result data received from the financial server 100 by the exchange processing unit 290 of the controller 200. When the user is requested to withdraw the money exchange amount directly by referring to the exchange result response data) and / or the read result data of the processing result data (or the exchange request response data), the automatic currency exchange device ( In conjunction with the currency storage unit 250 provided in 130, withdraw the money exchange request requested.

In this case, the withdrawal unit 245 preferably includes a currency withdrawal means such as a counter and / or currency emitter for processing the corresponding currency to be withdrawn (and / or deposited).

Preferably, the currency storage unit 250 of the automated currency exchange processing unit 130 shown in the present invention is characterized in that to store at least two or more heterogeneous calls separately, and to check and manage the balance of the corresponding call. .

For example, the currency storage unit 250 interoperates with the withdrawal unit 245 and checks the remaining amount of the currency type corresponding to the exchange amount requested to be withdrawn from the currency exchange processing unit 290 to determine whether it is possible to withdraw the money. 290).

2, the network communication unit 240 of the automated currency exchange processing unit 130, the server 135 on the network in the process of the automated currency exchange processing unit 130 performs a currency exchange processing operation according to the invention (Or terminal) and / or the terminal (or server 135) connected to the automated currency exchange processor 130 via a predetermined cable and / or the short-range wireless communication with the automated currency exchange processor 130. By connecting a communication session with a terminal (or server 135) connected through, characterized in that for transmitting and receiving information required for the automated currency exchange process.

The network connected to the network communication unit 240 may include a financial common network or a value added network (VAN) or high-speed Internet (eg, ADSL / VDSL / Cable Network /.../ satellite communication). It is preferable to include at least one predetermined wireless network including a predetermined wired network and / or a mobile communication network or a wireless data communication network.

In addition, although not shown in Figure 2, the automated currency exchange processing unit 130 is the confidentiality and / or authentication and / or (required) required to perform the automated currency exchange processing operation according to the present invention in a more secure environment Secure Application Module (SAM) to perform security requirements including integrity and / or nonrepudiation in a safe and reliable structure within the automated currency exchange device 130. It may be further provided.

For example, the Secure Application Module (SAM) may transmit a predetermined message (information or data) that is processed in the process of performing a predetermined security request function (for example, a function of transmitting / receiving information with a card (or financial account)). In addition to encrypting or decrypting, adding an authenticator that prevents forgery (or tampering) of the message, or storing important key information in the process of performing the security request function.

On the other hand, the automated currency exchange processing unit 130 is characterized in that it comprises a recording medium recording a computer-readable program for performing the functions of the at least one or more functional components described above.

3 is a simple flowchart of a currency exchange process according to a preferred embodiment of the present invention.

3 is an embodiment of a currency exchange process of the currency exchange processing system shown in FIG. 1, the exchange rate data storage unit 270 provided in the control unit 200 of the automated currency exchange device 130 shown in FIG. ) Can be started from the process of receiving the exchange rate data in real time (or periodically) from the server 135 (or the terminal) on the network to store in the predetermined memory 235 provided in the automated currency exchange device 130. (300).

According to another preferred embodiment, when the exchange rate data synchronization processing unit 265 is provided in the automated currency exchange processing unit 130, the exchange rate data synchronization processing unit 265 and the predetermined server 135 (or terminal) In synchronization, the at least one exchange rate data may be started in real time (or periodically or whenever the change of the exchange rate data) is recorded in a predetermined memory 235 in the automated currency exchange device 130.

The card (or bank account) information of the customer is input through the card (or bank account) interface 205 of the automated currency exchange device 130 (305), and the key input unit (or When a card (or financial account) password corresponding to the card (or financial account) is input via a pin pad (310), the card (or financial account) authentication processing unit 255 of the automated currency exchange device 130 is Using the card (or bank account) password input through the key input unit 215 (or pin pad), the card (or bank account) validity authentication operation of the customer is performed (315).

Preferably, the validity authentication of the customer card (or financial account) is performed in conjunction with a server 135 (eg, VAN server and / or financial server 100, etc.) on the network.

In addition, the automated currency exchange device 130 is provided with a biometric information interface 210 capable of inputting biometric information, such as a user fingerprint, the card (or financial) that the user is associated with a predetermined biometric information (eg, fingerprint, etc.) Bank account), the card (or financial account) authentication processing unit 255 uses the user biometric information input from the biometric information interface 210, and the user and / or user card (or bank account). Validation can be performed for.

On the other hand, if the card (or bank account) password input through the key input unit 215 (or pin pad) does not match the card (or bank account), the card (or bank account) authentication processing unit 255 is Failure to successfully perform the validity authentication operation 320, and outputs the validation authentication failure details through the screen output unit 230 of the automated currency exchange processing unit 130 (325).

Here, when the card (or financial account) password re-entry event through the key input unit 215 (or pin pad) occurs again (330), the above-described process may be repeatedly performed, the card (or financial account) If there is no password re-entry event (335), the illustrated embodiment ends.

On the other hand, if the validity authentication operation is successfully performed through the card (or financial account) authentication processing unit 255 (340), the screen output unit 230 is a predetermined exchange request interface for inputting exchange request information It outputs (345). Here, it is preferable that the exchange request information includes currency type information and currency exchange amount information.

When the exchange request information is input from the user through the key input unit 215 (or a pin pad) (350), the exchange rate checking unit 260 of the automated currency exchange device 130 exchanges the exchange rate data storage unit ( 270) and / or the exchange rate data stored in the memory 235 in real time (or periodically) through the exchange rate data synchronization processing unit 265, and the exchange target currency included in the exchange request information input from the user. Check the exchange rate (355).

In addition, the withdrawal amount calculation unit 295 of the automated currency exchange processing unit 130 transfers the exchange rate of the currency to be exchanged through the exchange rate checking unit 260 to the exchange request amount included in the exchange request information. The amount of money to be withdrawn to the user is calculated (360).

Then, when the withdrawal amount to which the exchange rate is applied is calculated through the withdrawal amount calculating unit 295, the calculated withdrawal amount is output through the screen output unit 230 (365) and the user's confirmation (agreement) Depending on whether or not the following process proceeds.

If there is no confirmation (agreement) of the user with respect to the withdrawal amount information output through the screen output unit 230 (370), the present embodiment ends, and if there is a confirmation (agreement) of the user (375). According to the process of Figure 4 below, this embodiment proceeds (A).

4 is a simple flowchart of a currency exchange process according to a preferred embodiment of the present invention.

4 is an embodiment to be described later in the exchange process shown in FIG. 3 described above, the exchange application information and the card (or financial account) information input by the specialized data generation unit 280 of the automated currency exchange processing unit 130; And / or generating the exchange request specialized data (and / or the withdrawal request specialized data) including the calculated withdrawal amount information, and transmitting the generated exchange request specialized data to the financial server 100 through a predetermined network (eg, a VAN). 400 may be.

Then, the information receiving unit 105 of the financial server 100 receives the exchange request professional data transmitted from the automated currency exchange processing unit 130 (or via a predetermined server 135) through the network ( 405), the card / account information checking unit 110 of the financial server 100 checks the user card (or financial account) information with reference to the exchange request message data received by the information receiving unit 105 ( 410).

Then, the withdrawal processing unit 115 of the financial server 100 refers to the user card (or financial account) information confirmed through the card / account information verification unit 110, from the user card (or financial account) The money exchange request amount is withdrawn (415).

Preferably, when the money exchange request amount from the user card (or the bank account) is withdrawn (or not withdrawn normally), the data transmission unit 120 of the financial server 100 includes the processing details. The exchange request response message is generated and transmitted to the automated currency processing device 130 (420).

Then, the exchange request response message data (and / or withdrawal request response message data) transmitted from the financial server 100 is received through the receiving unit 275 of the automated currency exchange processing unit 130 (425), the exchange The exchange processing unit 290 of the automated processing device 130 reads the exchange request response message data (and / or withdrawal request response message data) received through the receiving unit 275, and withdraws the money exchange request of the user. It is determined whether is possible (430).

Here, when the result of reading the exchange request response message data (and / or withdrawal request response message data) received from the financial server 100, the withdrawal processing for the exchange request of the user is not possible (435), the currency exchange The processor 290 may output the withdrawal processing impossible message for the exchange request through the screen output unit 230 (440).

On the other hand, if it is determined that withdrawal processing for the exchange request of the user is possible as a result of reading the exchange request response message data (and / or withdrawal request response message data) (445), the currency exchange processing unit 290 exchanges the currency. Through the currency storage unit 250 of the automated processing device 130 to determine the currency storage amount of the currency to be applied for currency exchange (450), the currency exchange processing unit 290 in response to the identified currency storage amount and currency exchange request By comparing the amount to be withdrawn to the user it is determined whether the withdrawal through the automated currency exchange processing unit 130 (455).

If the storage amount of the withdrawal processing currency for the exchange request is smaller than the amount to be withdrawn to the user and cannot be withdrawn to the user (460), the currency exchange processing unit 290 lacks a balance of the withdrawal currency for the exchange request. A message and the like may be output through the screen output unit 230 (465).

On the other hand, if it is possible to withdraw the withdrawal amount for the exchange request to the user (470), the currency exchange processing unit 290 is a withdrawal unit 245 provided in the automated currency exchange device 130 with the withdrawal amount Allow the user to withdraw money (475), and store the withdrawal amount in the memory 235 in the automated currency exchange device 130, and / or to a branch terminal (or server 135) connected over a network. By sending (480), adjustments can be made to the current currency reserve.

5 is a simplified illustration of exchange rate data according to a preferred method of the present invention.

FIG. 5 shows that the exchange rate data synchronization processing unit 265 and / or the exchange rate data storage unit 270 are stored in a memory of the automated currency exchange processing unit 130 shown in FIG. Is a simple illustration of at least one exchange rate data that is synchronized with the terminal and / or received and recorded in real time (or periodically or every change of the exchange rate data) from a predetermined server 135 (or terminal). .

Referring to FIG. 5, the exchange rate data shown may be exchanged from a book on the network (eg, exchange server or financial server 100, etc.) on a specific day (eg, March 4, 2005). When the rate changes, it can be confirmed that it is provided and recorded.

100: financial server 105: information receiving unit
110: card / account information verification unit 115: withdrawal processing unit
120: data transmission unit 125: storage medium
130: automated currency processing device 135: server

Claims (3)

In the exchange processing method executed by the automated teller machine communicating with the financial server,
Outputting an interface for inputting exchange request information;
Checking the exchange amount of money and currency corresponding to the exchange request information input through the interface;
Calculating a withdrawal amount to be withdrawn from a card or a bank account of a customer of a foreign exchange request by applying exchange rate data corresponding to the identified exchange target currency to the exchange amount;
If the withdrawal of the calculated withdrawal amount is possible from the card or the bankbook, withdrawing the exchange amount corresponding to the withdrawal amount;
The method of claim 1, wherein the interface,
An interface for receiving card or financial account information,
An interface for inputting the password of the card or financial account book,
Currency exchange processing method characterized in that it comprises at least one interface for receiving information on the currency type and currency exchange amount.
The method of claim 1,
And when the exchange rate data is changed from the server, receiving the changed exchange rate data and synchronizing the exchange rate data stored in the automatic teller machine.

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