KR20140000508A - Method and system for processing subscription of internet banking using automatic teller machine - Google Patents

Method and system for processing subscription of internet banking using automatic teller machine Download PDF

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Publication number
KR20140000508A
KR20140000508A KR1020120067629A KR20120067629A KR20140000508A KR 20140000508 A KR20140000508 A KR 20140000508A KR 1020120067629 A KR1020120067629 A KR 1020120067629A KR 20120067629 A KR20120067629 A KR 20120067629A KR 20140000508 A KR20140000508 A KR 20140000508A
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KR
South Korea
Prior art keywords
internet banking
customer
teller machine
automated teller
banking application
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Application number
KR1020120067629A
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Korean (ko)
Inventor
박민호
주유황
김치홍
강병준
김옥곤
민주홍
Original Assignee
주식회사 우리은행
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Priority to KR1020120067629A priority Critical patent/KR20140000508A/en
Publication of KR20140000508A publication Critical patent/KR20140000508A/en

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    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
    • G06Q40/02—Banking, e.g. interest calculation or account maintenance
    • 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]
    • G07F19/211—Software architecture within ATMs or in relation to the ATM network

Abstract

Internet banking new subscription processing method using the automated teller machine according to an embodiment of the present invention comprises the steps of receiving at the customer terminal, the Internet banking application information including the customer information and account number in a temporary database; Receiving, at the automated teller machine, the internet banking application information from the customer terminal, and displaying an internet banking application page for application for internet banking in response to the internet banking application information; In the automated teller machine, if an ID, password, and transfer limit of the customer are input through the internet banking application page, an internet banking application is generated based on the customer information, the account number, the ID, the password, and the transfer limit. Making; And if a signature is inputted into the internet banking application, at the bank server, processing a new subscription to the internet banking based on the internet banking application.

Description

Method and system for processing new subscription for internet banking using financial automation equipment {METHOD AND SYSTEM FOR PROCESSING SUBSCRIPTION OF INTERNET BANKING USING AUTOMATIC TELLER MACHINE}

Embodiments of the present invention relate to a method and system for processing a new subscription of Internet banking using an automated teller machine.

Financial automation equipment is an automation device that can provide basic financial services such as deposit or withdrawal without regard to time and place and bank staff without regard to financial services.

The automated teller machines can be divided into cash dispensers and cash dispensers depending on whether they are deposited or withdrawn. In recent years, the above-mentioned automated teller machines have been used for various purposes such as check deposit / withdrawal, checkbook settlement, payment of a fee, and ticket issuance.

On the other hand, as the financial industry develops, alliances between the financial industry and the distribution sector and other industries are increasing. Accordingly, it is necessary to develop multiple products and diversify sales channels. Particularly, due to the nature of financial products, it is necessary to be careful in counseling.

Internet banking new subscription processing method and system using a financial automation device according to an embodiment of the present invention, Korean Patent Publication No. 2002-0085295 (Invention: Banking system for businesses using the Internet, published date: November 2002 16 days).

One embodiment of the present invention to reduce the workload of the bank branch window by processing a new subscription of Internet banking using the automated teller machine, to reduce the waiting time of the customer to provide convenience to use the financial services, Provides a method and system for processing a new subscription to a financial product using a financial automation device.

The problems to be solved by the present invention are not limited to the above-mentioned problem (s), and another problem (s) not mentioned can be clearly understood by those skilled in the art from the following description.

Internet banking new subscription processing method using the automated teller machine according to an embodiment of the present invention comprises the steps of receiving at the customer terminal, the Internet banking application information including the customer information and account number in a temporary database; Receiving, at the automated teller machine, the internet banking application information from the customer terminal, and displaying an internet banking application page for application for internet banking in response to the internet banking application information; In the automated teller machine, if the user's ID, password and transfer limit are inputted through the internet banking application page, an internet banking application is generated based on the customer information, the account number, the ID, the password and the transfer limit. Making; And if a signature is inputted into the internet banking application, at the bank server, processing a new subscription to the internet banking based on the internet banking application.

Internet banking new subscription processing method using the automated teller machine according to another embodiment of the present invention comprises the steps of receiving at the customer terminal, the Internet banking application information including the customer information and account number in a temporary database; Receiving, at the automated teller machine, the internet banking application information from the customer terminal, and displaying an internet banking application page for application for internet banking in response to the internet banking application information; In the automated teller machine, if an ID, password, and transfer limit of the customer are input through the internet banking application page, an internet banking application is generated based on the customer information, the account number, the ID, the password, and the transfer limit. Making; At the automated teller machine, printing the internet banking application form through a printer module for signature input by a customer; And when the signature of the customer is input to the printed internet banking application, at a bank teller terminal, processing a new subscription to the internet banking based on the internet banking application in association with the bank server.

Internet banking new subscription processing method using the automated teller machine according to an embodiment of the present invention, the bank server, after the completion of the processing of the new subscription to the automated teller machine instructions for issuing a security card associated with the Internet banking Transmitting; And in the automated teller machine, issuing the security card in association with the bank server in response to a command regarding the issuance of the security card.

According to another aspect of the present invention, there is provided a method for processing a new Internet banking subscription using an automated teller machine, after the bank server completes processing of the new subscription, instructs the bank teller terminal to issue a security card associated with the internet banking. The method may further include transmitting.

Internet banking new subscription processing method using the automated teller machine according to embodiments of the present invention, the financial teller machine receives the customer information stored in the temporary database from the customer terminal from the financial information linked to the bank server Storing in a database; And performing a real name verification on the customer information by referring to the financial information database at the automated teller machine, and displaying the real information on the internet banking request page when the real name of the customer information is confirmed. It may include the step of displaying on the screen.

Internet banking new subscription processing method using the automated teller machine according to embodiments of the present invention, if the ID, the password and the transfer limit is input through the Internet banking application page in the automated teller machine, the Internet banking application The method may further include checking the integrity of the ID, the password, and the transfer limit before generating the ID.

Internet banking new subscription processing method using the automated teller machine according to an embodiment of the present invention, the step of generating the Internet banking application in the automated teller machine and displaying on the screen; When the signature of the customer is input through the screen, recognizing the input signature through the signature recognition module and generating the signature data by imaging the signature; And synthesizing the signature data with the internet banking application to the bank server in the automated teller machine.

Internet banking new subscription processing method using the automated teller machine according to the embodiments of the present invention, the automatic teller machine, receiving a photo stored in the smart phone via a wired or wireless communication with the smart phone of the customer; Calculating, in the automated teller machine, a print cost of the received picture according to a screen operation of the customer related to photo printing, and calculating the print cost based on a transaction result of the financial product corresponding to the account number; ; In the automated teller machine, processing the calculated printing cost in cooperation with a payment server; And printing and printing the received photograph when the payment processing is completed in the financial automatic machine.

Internet banking new subscription processing system using the automated teller machine according to an embodiment of the present invention is a customer terminal for receiving the Internet banking application information including the customer information and account number in a temporary database; Receiving the Internet banking application information from the customer terminal, and displays the Internet banking application page for the application of Internet banking in response to the Internet banking application information on the screen, the ID and password of the customer through the Internet banking application page And a financial automatic device for generating an internet banking application based on the customer information, the account number, the ID, the password, and the transfer limit when the transfer limit is input. And a bank server processing a new subscription to the internet banking on the basis of the internet banking application, when a signature is input to the internet banking application.

Internet banking new subscription processing system using the automated teller machine according to another embodiment of the present invention is a customer terminal for receiving the Internet banking application information including the customer information and account number in a temporary database; Receiving the Internet banking application information from the customer terminal, and displays the Internet banking application page for the application of Internet banking on the screen in response to the Internet banking application information, the user's ID, password through the Internet banking application page And when the transfer limit is input, generates an internet banking application based on the customer information, the account number, the ID, the password, and the transfer limit, and prints the internet banking application through a printer module for signature input by a customer. Automated printing machines; And a bank teller terminal that processes a new subscription to the internet banking on the basis of the internet banking application in conjunction with a bank server when the signature of the customer is input to the printed internet banking application.

The bank server sends a command regarding issuance of a security card associated with the internet banking to the automated teller machine after completion of the processing of the new subscription, and the automated teller machine responds to the command relating to the issue of the security card. The security card may be issued in association with a server.

The bank server may send a command regarding issuance of a security card associated with the internet banking to the bank teller terminal after completion of the processing of the new subscription.

The automatic teller machine generates the Internet banking application and displays it on the screen, and when the signature of the customer is input through the screen, the signature recognition module recognizes and images the input signature to generate signature data. The signature data may be synthesized in the internet banking application and transmitted to the bank server.

The automated teller machine receives a photo stored in the smart phone through wired or wireless communication with the smart phone of the customer, and calculates a print cost of the received photo according to a manipulation of the screen of the customer related to photo printing. Calculating the printing cost based on the transaction performance of the financial product corresponding to the account number, and billing the calculated printing cost in association with a payment server; and printing the received picture when the payment processing is completed. You can print

The details of other embodiments are included in the detailed description and the accompanying drawings.

BRIEF DESCRIPTION OF THE DRAWINGS The advantages and / or features of the present invention, and how to accomplish them, will become apparent with reference to the embodiments described in detail below with reference to the accompanying drawings. It should be understood, however, that the invention is not limited to the disclosed embodiments, but is capable of many different forms and should not be construed as limited to the embodiments set forth herein. Rather, these embodiments are provided so that this disclosure will be thorough and complete, To fully disclose the scope of the invention to those skilled in the art, and the invention is only defined by the scope of the claims. Like reference numerals refer to like elements throughout the specification.

According to an embodiment of the present invention, by processing a new subscription of the Internet banking using the automated teller machine, it is possible to reduce the workload of the bank branch window, and to reduce the waiting time of the customer to provide convenience to use the financial service. .

1 is a block diagram illustrating a new system for processing internet banking subscription using an automated teller machine according to an embodiment of the present invention.
2 is a block diagram illustrating a new system for processing internet banking subscription using an automated teller machine according to another embodiment of the present invention.
3 is a flowchart illustrating a method for processing a new internet banking subscription using an automated teller machine according to an embodiment of the present invention.
4 is a flowchart illustrating a method for processing a new internet banking subscription using an automated teller machine according to another embodiment of the present invention.
FIG. 5 is a flowchart illustrating a method of printing a photograph using a financial automatic apparatus according to an exemplary embodiment of the present invention. Referring to FIG.

Hereinafter, embodiments of the present invention will be described in detail with reference to the accompanying drawings.

1 is a block diagram illustrating a new system for processing internet banking subscription using an automated teller machine according to an embodiment of the present invention.

1, the new Internet banking subscription processing system 100 using the automated teller machine according to an embodiment of the present invention is a customer terminal 110, the automated teller machine 120, the bank server 130 and smart It may be configured to include a phone 140.

The customer terminal 110 receives new Internet banking subscription information including customer information and account number and stores it in a temporary database (not shown). Here, the customer information may include personal information of a customer, for example, a name, a resident registration number, a telephone number, and the like. In addition, the account number is the account number of the account the customer wants to apply for Internet banking.

The customer terminal 110 screens an information input page for inputting items related to the new subscription application of the Internet banking, including the customer information and the account number, in order to receive the new subscription information for the Internet banking. Can be provided to

A bank employee may reside next to the customer terminal 110. When the customer enters the Internet banking new subscription application information including the customer information and the account number on the information input page, the bank employee checks the entered information and checks that there is no input error and corrects the content. I can do it.

The customer terminal 110 may transmit the new Internet banking subscription information including the customer information and the account number to the automated teller machine 120. At this time, the customer terminal 110 can communicate with the financial automation device 120 by wire or wirelessly. The wired / wireless communication technology between devices is well known in the art, so that a description thereof will be omitted here.

The automatic teller machine 120 receives the new Internet banking subscription information from the customer terminal 110. At this time, the automated teller machine 120 may receive the customer information stored in the temporary database from the customer terminal 110 and store the received customer information in a financial information database (not shown) associated with the bank server 130.

The automated teller machine 120 can perform the real name verification on the customer information by referring to the financial information database. That is, the automated teller machine 120 may compare the customer information received from the customer terminal 110 with the customer information stored in the financial information database, and perform a blindness check on the customer based on the comparison result .

When the real name of the customer information is confirmed, the automated teller machine 120 displays an Internet banking request page for applying for the Internet banking on the screen in response to the new Internet banking subscription information. Here, the Internet banking application page may be provided with an ID input window for inputting the ID of the customer, a password input window for inputting a password for the ID, and a transfer limit input window for inputting a transfer limit. have.

When the ID, the password, and the transfer limit are input through the subscription page, the financial automatic device 120 may check the matching of the input ID, the password, and the transfer limit.

For example, the automated teller machine 120 may check the integrity of the input ID by checking whether the input ID is duplicated with reference to the financial information database associated with the bank server 130.

In addition, the automated teller machine 120 may check the integrity of the input password by checking whether the input password has a portion corresponding to the telephone number or the social security number of the customer using the customer information. .

The automated teller machine 120 generates an internet banking application based on the customer information, the account number, the ID, the password and the transfer limit. The automated teller machine 120 displays the generated internet banking application on the screen.

When the signature of the customer is input to the internet banking application through the screen, the financial automatic device 120 may generate signature data by recognizing and image the input signature through a signature recognition module. The automated teller machine 120 may synthesize the signature data with the internet banking application form and transmit it to the bank server 130.

The bank server 130 receives the Internet banking application from the automated teller machine 120, and processes a new subscription to the Internet banking based on the received Internet banking application.

The bank server 130 may transmit a command regarding issuance of a security card associated with the Internet banking to the automated teller machine 120 after completion of the processing of the new subscription. Accordingly, the automated teller machine 120 may issue the security card in association with the bank server 130 in response to a command regarding the issuance of the security card.

The smartphone 140 may transmit the photo stored in the smartphone 140 to the automated teller machine 120. The automated teller machine 120 may receive a photograph stored in the smartphone 140 through wired or wireless communication with the smartphone 140. [

The automated teller machine 120 may include a photo printing function and may provide a photo printing menu on the screen so as to perform such functions. According to the operation of the customer's photo printing menu, the automatic teller machine 120 can calculate the printing cost of the received photograph.

In this case, the automated teller machine 120 may calculate the printing cost based on the transaction performance of the financial product corresponding to the account number. Alternatively, the automated teller machine 120 may calculate the printing cost based on a transaction history of all financial products related to the customer. For this, the automated teller machine 120 can check the financial transaction performance of the customer in cooperation with the bank server 130.

Herein, the transaction results of the financial product include the input / withdrawal related to the financial product, the frequency with which the account transfer is used, the registration of the transfer money transfer account, the example / deposit sold by the bank, the fund, the insurance, Usage results, and the like.

The automated teller machine 120 generates points related to the printing of photographs in proportion to the transaction history of the financial product and may accumulate the generated points in the financial information database in cooperation with the bank server 130. The financial automatic machine 120 may calculate the remaining amount by subtracting the points accumulated in the financial information database as the printing cost when calculating the printing cost.

The automated teller machine 120 can process the calculated printing cost in cooperation with a payment server (not shown). Here, the payment server may complete payment processing by interfacing with the bank server 130 and withdrawing the calculated printing cost from the account (passbook) of the customer.

Alternatively, the automated teller machine 120 may process the printing fee by sensing the amount of money corresponding to the printing cost through the banknote or coin input port.

Alternatively, the automated teller machine 120 may recognize a cash-charging card such as a transportation card through a card recognition module, and may settle the money corresponding to the printing cost.

When the payment processing for the printing cost is completed, the automated teller machine 120 prints the received photograph and outputs the printed photograph. At this time, the automated teller machine 120 prints the photo on a photo paper through a built-in printer, and outputs the printed photo through a photo outlet.

Alternatively, the automated teller machine 120 may print the photo on the issued security card through the printer, and then output the security card on which the photo is printed through the photo outlet.

On the other hand, the Internet banking new subscription processing system 100 using the automated teller machine according to an embodiment of the present invention may process the notification service such as registration and correction of the customer information, password change. The processing of the notification service is the same as or similar to the new internet banking subscription processing using the automated teller machine 120.

2 is a block diagram illustrating a new system for processing internet banking subscription using an automated teller machine according to another embodiment of the present invention.

2, the new Internet banking subscription processing system 200 using the automated teller machine according to another embodiment of the present invention is a customer terminal 210, the automated teller machine 220, a bank teller terminal 230, Bank server 240, and may be configured to include a smartphone (250).

The customer terminal 210 receives the Internet banking new subscription application information including the customer information and account number and stores it in a temporary database (not shown). Here, the customer information may include personal information of a customer, for example, a name, a resident registration number, a telephone number, and the like. In addition, the account number is the account number of the account the customer wants to apply for Internet banking.

The customer terminal 210 screens an information input page for inputting information related to the new subscription application of the Internet banking, including the customer information and the account number, in order to receive the new subscription information for the Internet banking. Can be provided to

A bank employee may reside next to the customer terminal 210. When the customer enters the Internet banking new subscription application information including the customer information and the account number on the information input page, the bank employee checks the entered information and checks that there is no input error and corrects the content. I can do it.

The customer terminal 210 may transmit the new Internet banking subscription information including the customer information and the account number to the automated teller machine 220. At this time, the customer terminal 210 can communicate with the financial automation device 220 by wire or wirelessly. The wired / wireless communication technology between devices is well known in the art, so that a description thereof will be omitted here.

The automatic teller machine 220 receives the new Internet banking subscription information from the customer terminal 210. In this case, the automated teller machine 220 may receive the customer information stored in the temporary database from the customer terminal 210 and store it in a financial information database (not shown) associated with the bank server 240.

The automated teller machine 220 can perform a real name verification on the customer information by referring to the financial information database. That is, the automated teller machine 220 compares the customer information received from the customer terminal 210 with the customer information stored in the financial information database, and can perform the real name verification on the customer based on the comparison result .

When the real name of the customer information is confirmed, the automated teller machine 220 displays an Internet banking request page for applying for the Internet banking on the screen in response to the new Internet banking subscription information. Here, the Internet banking application page may be provided with an ID input window for inputting the ID of the customer, a password input window for inputting a password for the ID, and a transfer limit input window for inputting a transfer limit. have.

When the ID, the password, and the transfer limit are input through the subscription page, the financial automatic device 220 may check the matching of the input ID, the password, and the transfer limit.

For example, the automated teller machine 220 may check the integrity of the input ID by checking whether the input ID is duplicated with reference to the financial information database associated with the bank server 240.

In addition, the automated teller machine 220 may check the integrity of the input password by checking whether the input password has a portion corresponding to the telephone number or the social security number of the customer using the customer information. .

The automated teller machine 220 generates an internet banking application based on the customer information, the account number, the ID, the password and the transfer limit. The automated teller machine 220 prints the Internet banking application through a printer module for signature input by the customer. Accordingly, the customer can sign his / her hand in the signature column of the printed Internet banking application form.

When the customer's signature is input to the printed internet banking application, the bank teller terminal 230 interworks with the bank server 240 to process a new subscription for the internet banking based on the internet banking application.

The bank server 240 may transmit a command regarding the issuance of a security card associated with the internet banking to the bank teller terminal 230 after completion of the processing of the new subscription. Accordingly, the bank teller may issue a security card to the customer according to the command sent to the bank teller terminal 230.

The smartphone 250 may transmit the photo stored in the smartphone 250 to the automated teller machine 220. The automated teller machine 220 can receive a photograph stored in the smartphone 250 through wired or wireless communication with the smartphone 250.

The automated teller machine 220 may include a photo printing function and may provide a photo printing menu on the screen so as to perform such functions. According to the operation of the customer's photo printing menu, the automatic teller machine 220 can calculate the printing cost of the received photograph.

In this case, the automated teller machine 220 may calculate the print cost based on the transaction performance of the financial product corresponding to the account number. Alternatively, the automated teller machine 220 may calculate the printing cost based on a transaction history of all the financial products related to the customer. For this, the automated teller machine 220 can check the financial transaction performance of the customer in conjunction with the bank server 240.

Herein, the transaction results of the financial product include the input / withdrawal related to the financial product, the frequency with which the account transfer is used, the registration of the transfer money transfer account, the example / deposit sold by the bank, the fund, the insurance, Usage results, and the like.

The financial automatic machine 220 generates points related to the prints in proportion to the transaction history of the financial product and accumulates the generated points in the financial information database in cooperation with the bank server 240. When calculating the printing cost, the financial automatic machine 220 may calculate the remaining amount by subtracting the points accumulated in the financial information database as the printing cost.

The automated teller machine 220 can process the calculated printing cost in cooperation with a payment server (not shown). Here, the payment server can complete payment processing by interfacing with the bank server 240 and withdrawing the calculated printing cost from the account (passbook) of the customer.

Alternatively, the automatic teller machine 220 may process the printing cost by sensing the amount of money corresponding to the printing cost through the banknote or the coin input port.

Alternatively, the automated teller machine 220 may recognize a cash-charging card such as a transportation card through a card recognition module, and may settle the money corresponding to the printing cost.

When the payment processing for the printing cost is completed, the automated teller machine 220 prints the received photograph and outputs the printed photograph. At this time, the automated teller machine 220 prints the photo on a photo paper through a built-in printer, and outputs the printed photo through a photo outlet.

Alternatively, the automated teller machine 220 may print the photo on the issued security card through the printer, and then output the security card on which the photo is printed through the photo outlet.

On the other hand, the Internet banking new subscription processing system 200 using the automated teller machine according to another embodiment of the present invention may process the notification notification operations such as registration and correction of customer information, password change. The notification process is the same as or similar to the new internet banking subscription process using the automated teller machine 220.

3 is a flowchart illustrating a method for processing a new internet banking subscription using an automated teller machine according to an embodiment of the present invention.

1 and 3, in step 310, the customer terminal 110 receives internet banking application information including customer information and an account number, and stores them in a temporary database.

Next, in step 320, the automated teller machine 120 receives the customer information stored in the temporary database from the customer terminal 110 and stores the customer information in a financial information database associated with the bank server 130, And confirms the real name of the customer information by referring to the financial information database.

Next, in step 330, the automated teller machine 120 displays an Internet banking request page for applying for the Internet banking on the screen in response to the Internet banking request information.

Next, in step 340, the customer inputs the user's ID, password and transfer limit through the Internet banking application page displayed on the screen of the automated teller machine 120.

Next, in step 350 the automated teller machine 120 checks the matching of the input ID, password and transfer limit.

Next, in step 360 the automated teller machine 120 generates an Internet banking application based on the customer information, the account number, the ID, the password and the transfer limit.

Next, if a signature is entered in the internet banking application (YES direction 370), in step 380, the bank server 130 processes the new subscription to the internet banking based on the internet banking application.

4 is a flowchart illustrating a method for processing a new internet banking subscription using an automated teller machine according to another embodiment of the present invention.

2 and 4, in step 410, the customer terminal 210 receives internet banking application information including customer information and an account number, and stores them in a temporary database.

Next, in step 420, the automated teller machine 220 receives the customer information stored in the temporary database from the customer terminal 210 and stores the received customer information in a financial information database associated with the bank server 240, And confirms the real name of the customer information by referring to the financial information database.

Next, in step 430, the automated teller machine 220 displays an internet banking request page for applying for the internet banking on the screen in response to the internet banking request information.

Next, in step 440, the customer inputs the ID, password, and transfer limit of the customer through the Internet banking application page displayed on the screen of the automated teller machine 220.

Next, in step 450, the automated teller machine 220 checks the matching of the input ID, the password and the transfer limit.

Next, in step 460 the automated teller machine 220 generates the Internet banking application based on the customer information, the account number, the ID, the password and the transfer limit.

Next, in step 470, the automated teller machine 220 prints the Internet banking application through a printer module for signature input by the customer.

Next, when a signature is input to the internet banking application (Yes direction 480), in step 490, the bank teller terminal 230 is linked with the bank server 240 based on the internet banking application based on the internet banking application. Process new subscriptions for.

FIG. 5 is a flowchart illustrating a method of printing a photograph using a financial automatic apparatus according to an exemplary embodiment of the present invention. Referring to FIG.

1 and 5, in step 510, the automated teller machine 120 receives a photograph stored in the smartphone 140 through wired or wireless communication with the customer's smartphone 140 .

Next, in step 520, the automated teller machine 120 prints the print cost of the received photo based on a transaction result of the financial product corresponding to the account number according to the screen manipulation of the customer related to photo printing. To calculate.

Next, in step 530, the automated teller machine 120 interlocks with the payment server to process the calculated printing cost.

Next, in step 540, the automated teller machine 120 prints and prints the received photograph when the settlement processing is completed.

As such, in one embodiment of the present invention, a new subscription of Internet banking can be processed using a financial automation device. Thus, according to the embodiment of the present invention, it is possible to reduce the work burden of the bank branch office and shorten the waiting time of the customer, thereby providing convenience in using the financial service.

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, local data files, local data structures, etc., alone or in combination. The media may be those specially designed and constructed for the present invention or may be those known to those skilled in the computer software. Examples of computer-readable media include magnetic media such as hard disks, floppy disks and magnetic tape, optical recording media such as CD-ROMs and DVDs, magneto-optical media such as floppy disks, and ROMs, And hardware devices specifically configured to store and execute the same program instructions. Examples of program instructions include machine language code such as those produced by a compiler, as well as high-level language code that can be executed by a computer using an interpreter or the like.

While the present invention has been described in connection with what is presently considered to be practical exemplary embodiments, it is to be understood that the invention is not limited to the disclosed embodiments. Therefore, the scope of the present invention should not be limited to the described embodiments, but should be determined by the scope of the appended claims and equivalents thereof.

While the present invention has been particularly shown and described with reference to exemplary embodiments thereof, it is to be understood that the invention is not limited to the disclosed exemplary embodiments, but, on the contrary, Modification is possible. Accordingly, the spirit of the present invention should be understood only in accordance with the following claims, and all equivalents or equivalent variations thereof are included in the scope of the present invention.

110, 210: a customer terminal
120, 220: Financial automation equipment
130, 240: Bank server
140, 250: Smartphone
230: Bank window terminal

Claims (14)

Receiving, at the customer terminal, Internet banking subscription information including customer information and account number and storing the received information in a temporary database;
Receiving, at the automated teller machine, the internet banking application information from the customer terminal, and displaying an internet banking application page for application for internet banking in response to the internet banking application information;
In the automated teller machine, if an ID, password, and transfer limit of the customer are input through the internet banking application page, an internet banking application is generated based on the customer information, the account number, the ID, the password, and the transfer limit. Making; And
If a signature is entered in the internet banking application, at the bank server, processing a new subscription to the internet banking based on the internet banking application;
Internet banking new subscription processing method using a financial automated device comprising a.
Receiving, at the customer terminal, Internet banking subscription information including customer information and account number and storing the received information in a temporary database;
Receiving, at the automated teller machine, the internet banking application information from the customer terminal, and displaying an internet banking application page for application for internet banking in response to the internet banking application information;
In the automated teller machine, if an ID, password, and transfer limit of the customer are input through the internet banking application page, an internet banking application is generated based on the customer information, the account number, the ID, the password, and the transfer limit. Making;
At the automated teller machine, printing the internet banking application form through a printer module for signature input by a customer; And
When the signature of the customer is input to the printed internet banking application, at a bank teller terminal, interworking with the bank server to process a new subscription for the internet banking based on the internet banking application;
Internet banking new subscription processing method using a financial automated device comprising a.
The method of claim 1,
Sending, at the bank server, a command regarding issuance of a security card associated with the internet banking to the automated teller machine after completion of the processing of the new subscription; And
Issuing the security card in association with the bank server in response to a command regarding issuance of the security card at the automatic teller machine;
Internet banking new subscription processing method using a financial automation device further comprising a.
3. The method of claim 2,
Sending, at the bank server, an instruction regarding issuance of a security card associated with the internet banking to the bank teller terminal after completion of the processing of the new subscription.
Internet banking new subscription processing method using a financial automation device further comprising a.
3. The method according to claim 1 or 2,
Receiving, at the automated teller machine, the customer information stored in the temporary database from the customer terminal and storing the customer information in a financial information database associated with the bank server; And
In the automated teller machine, performing real name verification on the customer information with reference to the financial information database;
Further comprising:
The step of displaying
If the real name of the customer information is confirmed, displaying the internet banking request page on the screen;
Internet banking new subscription processing method using a financial automated device comprising a.
3. The method according to claim 1 or 2,
In the automated teller machine, if the ID, the password, and the transfer limit are input through the internet banking application page, checking the integrity of the ID, the password, and the transfer limit before generating the internet banking application;
Internet banking new subscription processing method using a financial automation device further comprising a.
The method of claim 1,
Generating, at the automated teller machine, the internet banking application on the screen;
When the signature of the customer is input through the screen, recognizing the input signature through the signature recognition module and generating the signature data by imaging the signature; And
In the automated teller machine, synthesizing the signature data into the internet banking application form and transmitting it to the bank server;
Internet banking new subscription processing method using a financial automation device further comprising a.
3. The method according to claim 1 or 2,
Receiving, at the automated teller machine, a photograph stored in the smartphone through wired or wireless communication with the smartphone of the customer;
Calculating, in the automated teller machine, a print cost of the received picture according to a screen operation of the customer related to photo printing, and calculating the print cost based on a transaction result of the financial product corresponding to the account number; ;
In the automated teller machine, processing the calculated printing cost in cooperation with a payment server; And
In the automated teller machine, when the settlement processing is completed, printing the received photograph and outputting
Further comprising the steps of: (a) receiving a new financial product from the financial institution;
A customer terminal for receiving the Internet banking application information including the customer information and the account number and storing the received information in a temporary database;
Receiving the Internet banking application information from the customer terminal, and displays the Internet banking application page for the application of Internet banking in response to the Internet banking application information on the screen, the ID and password of the customer through the Internet banking application page And a financial automatic device for generating an internet banking application based on the customer information, the account number, the ID, the password, and the transfer limit when the transfer limit is input. And
When a signature is entered in the internet banking application, a bank server that processes a new subscription to the internet banking based on the internet banking application.
Internet banking new subscription processing system using a financial automation device comprising a.
A customer terminal for receiving the Internet banking application information including the customer information and the account number and storing the received information in a temporary database;
Receiving the Internet banking application information from the customer terminal, and displays the Internet banking application page for the application of Internet banking on the screen in response to the Internet banking application information, the user's ID, password through the Internet banking application page And when the transfer limit is input, generates an internet banking application based on the customer information, the account number, the ID, the password, and the transfer limit, and prints the internet banking application through a printer module for signature input by a customer. Automated printing machines; And
When the customer's signature is entered in the printed Internet banking application, a bank teller terminal that interworks with a bank server to process a new subscription for the internet banking based on the internet banking application.
Internet banking new subscription processing system using a financial automation device comprising a.
10. The method of claim 9,
The bank server
Send a command regarding issuance of a security card associated with the internet banking to the automated teller machine after the processing of the new subscription is completed;
The automated teller machine
Internet banking new subscription processing system using the automated teller machine, characterized in that for issuing the security card in conjunction with the bank server in response to a command regarding the issue of the security card.
The method of claim 10,
The bank server
And a command for issuing a security card associated with the Internet banking to the bank teller terminal after completion of the processing of the new subscription.
10. The method of claim 9,
The automated teller machine
The Internet banking application is generated and displayed on the screen, and when the signature of the customer is input through the screen, the signature recognition module recognizes and images the input signature to generate signature data, and generates the signature data. The Internet banking new subscription processing system using a financial automation device, characterized in that the synthesized in the Internet banking application and transmitted to the bank server.
11. The method according to claim 9 or 10,
The automated teller machine
Receiving a photo stored in the smartphone through a wired or wireless communication with the customer's smartphone, and calculates the print cost of the received photo according to the screen operation of the customer associated with the photo print, but not in the account number The printing cost is calculated based on the transaction performance of the corresponding financial product, and the printout is processed in connection with a payment server. When the payment processing is completed, the printout is printed and output. New financial product subscription processing system using the automated teller machine.
KR1020120067629A 2012-06-22 2012-06-22 Method and system for processing subscription of internet banking using automatic teller machine KR20140000508A (en)

Priority Applications (1)

Application Number Priority Date Filing Date Title
KR1020120067629A KR20140000508A (en) 2012-06-22 2012-06-22 Method and system for processing subscription of internet banking using automatic teller machine

Applications Claiming Priority (1)

Application Number Priority Date Filing Date Title
KR1020120067629A KR20140000508A (en) 2012-06-22 2012-06-22 Method and system for processing subscription of internet banking using automatic teller machine

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