KR20140003269A

KR20140003269A - (automated teller machine

Info

Publication number: KR20140003269A
Application number: KR1020120071403A
Authority: KR
Inventors: 박신영
Original assignee: 중소기업은행
Priority date: 2012-06-29
Filing date: 2012-06-29
Publication date: 2014-01-09

Abstract

The present invention relates to an automatic financial transaction terminal that improves accessibility through interworking with a POS in a store, and includes a recording unit, a transmitting unit, a display unit, an input / output unit, an authentication unit, a barcode manufacturing unit, a scanning unit, and an interlocking unit.

Description

Automated Teller Machine {

The present invention relates to an automatic financial transaction terminal. More specifically, the present invention relates to an automatic financial transaction terminal that improves accessibility by interworking with a POS in a store.

In recent years, most companies use a five-day week system to use financial automation devices such as ATMs and CDs, rather than going directly to the bank, which leads to an increase in the installation of financial automation devices. The number of people is increasing. Currently, financial automation devices are being implemented in consideration of not only main tasks but also various additional functions, and are continuously developing financial automation devices to improve bank competitiveness and customer satisfaction.

As a result, customers are provided with banking services for their bank accounts using automated teller machines and cash cards without visiting the bank and being relatively limited in time. However, banking services through ATM devices are limited in areas where ATM devices are not installed or when ATM devices are not operated.

In addition, when the user's main bank is not located, there is an inconvenience of moving to the place where the main bank of the user is located in order to save the fee and using the automatic teller machine. There was an inconvenience to select and compare the fees generated by the automated teller machine can not compare and select.

In the present invention, through the ATM device based on the alliance with the main franchise chain that has secured a large number of stores and a thick customer base in the central business area to solve the inconvenience of using the existing ATM device.

As a preferred embodiment of the present invention, the automatic financial transaction terminal comprises a recording unit for recording the banking service transaction process of the user through the photographing device; A transmitter for converting the recorded data, the transaction time, the transaction related unique number, etc. into an integrated data form and transmitting the data through a communication network; A display unit for displaying banking services including cash withdrawals, balance inquiries, deposits, sub-banks and other bank accounts, and credit card transactions; An input / output unit configured to receive an input required for the banking service from a user or provide an interface for displaying the banking service transaction contents to the user; In the case of banking services that require security among the banking services, the input unit receives a password from the user authentication unit for performing authentication through a bank system and Virtual Private Network (VPN) communication; If the authentication unit determines that the user has the appropriate authority bar code manufacturing unit for producing a forgery prevention slip in the form of a barcode to the user to output through the input and output unit; A scanning unit which reads the forgery prevention slip; And an interlocking unit for interlocking the contents of the banking service transaction in which the authentication is performed on the POS installed in the store.

By using the automatic financial transaction terminal of the present invention, the user does not have to use a bank window directly, thereby saving time and simplifying the procedure. In addition, in financial institutions such as banks and credit card companies, the number of employees for the user may be reduced, thereby reducing procedures and labor costs.

In addition, the automatic financial transaction terminal of the present invention has the effect of reducing the amount of 2 times to 4 times compared to the unattended ATM, there is an effect that can save up to 1/15 compared to the unattended ATM in the store.

Figure 1 is a preferred embodiment of the present invention, a conceptual diagram of an automatic financial transaction terminal with easy access.
2 is a diagram illustrating the internal configuration of an automatic financial transaction terminal as a preferred embodiment of the present invention.
3 is a diagram illustrating an association relationship between an automatic financial transaction terminal and a bank server according to a preferred embodiment of the present invention.
4 is a flowchart illustrating an internal implementation of an automatic financial transaction terminal as a preferred embodiment of the present invention.
Figure 5 shows an embodiment of an automatic financial transaction terminal as a preferred embodiment of the present invention.

Automated Teller Machines (ATMs) are automated devices that can assist basic financial services, such as deposits or withdrawals, without the need for a bank employee, regardless of location and time. The automated teller machine is configured to automatically perform a transaction such as withdrawal (withdrawal) or deposit (deposit) of cash (paper money) using a medium such as a card or a bank account.

Figure 1 is a preferred embodiment of the present invention, a conceptual diagram of an automatic financial transaction terminal with easy access.

ATMs and cash cards allow you to conduct multiple banking transactions without having to visit the bank. However, banking services through ATM devices are limited in areas where ATM devices are not installed or when ATM devices are not operated.

In an exemplary embodiment of the present invention, in order to solve such limitations, a manned-ATM service in a franchise store is provided through a partnership with a franchise chain having a large number of stores and a thick customer base in a central business area. .

For example, for college students or office workers in their twenties to thirties, they offer Manned-ATM services to major coffee shops 110, which they frequently visit, so that they can use cash or credit cards at certain coffee shop store counters. You can use financial services or banking services such as balance inquiry, deposit withdrawal, deposit, and account transfer. That is, at the ATM installed in the store counter, the user goes through the cash withdrawal procedure with the cash card, and when the transaction is approved, the customer presents the slip to the clerk at the store counter. The clerk receiving the voucher withdraws the customer's withdrawal request in cash, so that a specialty coffee shop counter can play a part in the role of a bank branch.

In this case, cash storage. Banknote counting, cash withdrawal, etc. are performed by the store clerk, and the work performed at the ATM machine based on a predetermined security compliance contract may be partially linked to the POS of the franchise affiliated store.

Similarly, for young people, a manned-ATM service is provided to a fast food restaurant 130 that teens frequently visit. In addition, a manned-ATM service may be provided to the gas station 120 for automobile users, and a manned-ATM service may be provided to a family restaurant 140 that is frequently used by lovers or families. Examples can be mentioned.

2 is a diagram illustrating the internal configuration of an automatic financial transaction terminal as a preferred embodiment of the present invention. Figure 3 is a preferred embodiment of the present invention, the entire system diagram showing the communication between the automatic financial transaction terminal and the bank server. 4 is a flowchart illustrating an internal implementation of an automatic financial transaction terminal as a preferred embodiment of the present invention. FIG. 5 illustrates an example of an implementation of an automatic financial transaction terminal, which will be described below with reference to FIGS. 2 to 5.

As a preferred embodiment of the present invention, the automatic financial transaction terminal 200 is a recording unit 210, a transmitter 220, a display unit 230, input and output unit 240, authentication unit 250, barcode production unit 260 ), A scan unit 270 and an interlocking unit 280.

The recording unit 210 records a monitoring screen when the user uses the automatic financial transaction terminal 200 through a photographing device such as a small camera. The recording unit 210 may be located at the front of the PC and the ATM device (see FIGS. 5 and 510) to photograph the front and the rear of the user.

The transmitting unit 220 may convert the recorded data taken by the recording unit 210, the transaction time and the transaction-related unique number, etc., which the user transacts into an integrated data form and transmit the data through a communication network. In this case, since the data format may be implemented by a general technique of transmitting video, audio data, and the like, description thereof will be omitted.

The display unit 230 may display a banking service including cash withdrawal, balance inquiry, deposit, bank account and other bank accounts, credit card business, and at the same time, may receive an input through a user's touch. Do. As illustrated in FIG. 5, the display unit 230 may be implemented as an LCD in the form of a touch screen.

The input / output unit 240 provides an interface for receiving an input required for banking service from the user or displaying the banking service transaction contents to the user. In an exemplary embodiment of the present invention, the input / output unit 240 and the display unit 230 are distinguished and disclosed. However, the display unit 230 may be modified to implement the same function integrally with the input / output unit 240. shall.

Examples of the input / output unit 240 may include the touch screen LCD 520, the card reader 550, the slip printer 530, and the like of FIG. 5.

The authentication unit 250 receives a banking system (eg, an authentication server) by receiving information for verifying identity verification or security, such as a password and a public certification number, from a user for banking services requiring user identification or security among banking services. Perform authentication through communication with In this case, the authentication unit 250 may maintain security in the communication network using a virtual private network (VPN).

The barcode production unit 260 prints and prints out a slip for the banking operation requested by the customer when authentication is confirmed by the bank. At this time, the barcode manufacturing unit 260 may perform the output in the form of a barcode to prevent forgery or tampering of the slip.

The scan unit 270 may be implemented by the scanner 540 illustrated in FIG. 5, and may be provided in a franchise store. The franchise store may scan a slip with a scanner 540 and input the banking service transaction details into a POS already installed in the store through the linker 280.

Referring to FIG. 4, the automatic financial terminal records the usage status of the automatic financial terminal in real time (S410), and the banking service is displayed on the display screen of the automatic financial terminal (S420).

After the bank customer scratches the card on the card reader 550 of the automatic financial transaction terminal, the customer may select a desired banking service on the touch screen 520 (S430). After selecting a banking service desired by the customer, an interface necessary for a detailed bank transaction process and an authentication process may be continuously displayed through the touch screen 520.

For example, when a customer scratches a cash card and selects a cash withdrawal service, after inputting a password and withdrawing 50,000 won through the touch screen 520 (S431), the customer waits for an authentication procedure with a bank server. After the authentication process is completed, the automatic financial terminal receives the approval value from the bank server (S440) and prints the slip through the slip printer 530 in the form of a 2D barcode (S450).

The clerk in the franchise store receives the slip brought by the customer, checks the transaction history on the slip, requests a signature from the customer, and receives the autographed signature as the customer, and scans the slip (S460).

The scanned document is then linked to the POS and entered into the transaction history (S470), and the cashier in the store provides 50,000 won out of the cash box. In addition, the transaction is terminated by storing the document presented by the customer in the document storage box.

The present invention can also be embodied as computer-readable codes on a computer-readable recording medium. A computer-readable recording medium includes all kinds of recording apparatuses in which data that can be read by a computer system is stored.

Examples of the computer-readable recording medium include ROM, RAM, CD-ROM, magnetic tape, floppy disk, optical data storage, and the like. The computer readable recording medium may also be distributed over a networked computer system so that computer readable code can be stored and executed in a distributed manner.

In the drawings and specification, there have been disclosed preferred embodiments. Although specific terms have been employed herein, they are used for purposes of illustration only and are not intended to limit the scope of the invention as defined in the claims or the claims.

Therefore, those skilled in the art will appreciate that various modifications and equivalent embodiments are possible without departing from the scope of the present invention. Accordingly, the true scope of the present invention should be determined by the technical idea of the appended claims.

Claims

A recording unit for recording a banking service transaction process of the user through a photographing apparatus;
A transmitter for converting the recorded data, the transaction time, the transaction related unique number, etc. into an integrated data form and transmitting the data through a communication network;
A display unit for displaying banking services including cash withdrawals, balance inquiries, deposits, sub-banks and other bank accounts, and credit card transactions;
An input / output unit configured to receive an input required for the banking service from a user or provide an interface for displaying the banking service transaction contents to the user;
In the case of banking services that require security among the banking services, an authentication unit for inputting a password from a user at the input / output unit and performing authentication through a bank system and a virtual private network (VPN) communication;
If the authentication unit determines that the user has the appropriate authority bar code manufacturing unit for producing a forgery prevention slip in the form of a barcode to the user to output through the input and output unit;
A scanning unit which reads the forgery prevention slip; And
Automatic linking terminal comprising a; interlocking unit for interlocking the contents of the banking service transaction performed the authentication to the POS installed in the store.