KR20150077789A - A financial transaction method of automatic teller machine and an automatic teller machine therefor - Google Patents

Abstract

According to an embodiment of the present invention, there is provided a financial transaction method performed in an automated teller machine (ATM), comprising: identifying a user; Checking a cash or check inputted from the user and determining an input amount; And a financial transaction execution step of depositing an amount of money selected by the user with respect to each of the at least one depositing account associated with the user among the input money in each of the at least one depositing account and returning the remaining amount of the depositing money in cash And a financial transaction method in a financial automatic machine including the financial transaction method.

Description

TECHNICAL FIELD [0001] The present invention relates to a financial transaction method in a financial automation device, and a financial automation device for performing the method.

Embodiments of the present invention relate to a financial transaction method in an automatic teller machine and a financial automatic machine for performing the method.

Compared to the traditional financial transactions that were carried out at the financial institution through direct contact with the manager, the appearance of the ATM (Automatic Teller Machine) has led to innovative development in several respects. For example, a user does not visit a financial institution directly but conducts a financial transaction through a financial automation device, so that the waiting time for a financial transaction is significantly reduced, and financial transactions can be performed even after the financial institution's work is terminated. Also, from the viewpoint of financial institutions, financial transaction processing time has been reduced, and work efficiency can be improved due to reduction of manpower and cost.

These financial automation devices basically provide many financial services performed by financial institutions such as banks and village safes. The user can easily carry out a desired financial transaction in a short time by simply operating a financial automatic machine installed not through a member of a financial institution in account transfer, balance inquiry, deposit withdrawal, and account book clearance.

However, according to the conventional financial automation equipment, only one type of simple financial transaction can be performed at a time. Therefore, there is a demand for measures to enable new financial transactions other than existing financial transactions that were provided by financial automatic machines.

Embodiments of the present invention provide a financial transaction method in which a money or a check is distributed in multiple accounts while a part of money is returned in a financial automatic machine, and a financial automatic machine for performing such a method.

According to an embodiment of the present invention, there is provided a financial transaction method performed in an automated teller machine (ATM), comprising: identifying a user; Checking a cash or check inputted from the user and determining an input amount; And a financial transaction execution step of depositing an amount of money selected by the user with respect to each of the at least one depositing account associated with the user among the input money in each of the at least one depositing account and returning the remaining amount of the depositing money in cash And a financial transaction method in a financial automatic machine including the financial transaction method.

According to an embodiment of the present invention, there is provided a financial automatic teller machine (ATM) for automatically performing a financial transaction for a financial account of a user, comprising: a user identification unit for identifying a user; An input money determining unit for confirming a cash or check inputted from the user and determining an input amount; And performing a financial transaction to deposit the amount of money selected by the user in each of the at least one deposit account with respect to each of the at least one deposit account associated with the user, A financial automation apparatus including a part is provided.

According to the embodiments of the present invention, it is possible to provide a financial transaction method in which a money or a check is distributed in a multi-account and a part of the money is returned in the automated teller machine, and a financial automation device for performing such a method.

1 illustrates an exemplary financial automation device for providing a financial transaction method according to the present invention.
Figure 2 illustrates an exemplary procedure for displaying a basic user interface after user identification in a financial transaction method according to the present invention.
FIG. 3 illustrates an exemplary procedure for determining the input amount by checking the cash input from the user in the financial transaction method according to the present invention.
FIG. 4 illustrates an exemplary procedure for determining an input amount by checking checks inserted by a user in a financial transaction method according to the present invention.
5 illustrates an exemplary user interface for selecting at least one deposit account from at least one financial account associated with a user in a financial transaction method according to the present invention.
Figure 6 illustrates an exemplary user interface for entering a deposit amount for at least one deposit account associated with a user in a financial transaction method according to the present invention.
7 illustrates an exemplary procedure for returning a refund amount in cash in the financial transaction method according to the present invention.

Hereinafter, a financial transaction method according to the present invention and a financial automatic machine for performing the method will be described in detail with reference to the accompanying drawings.

In the description of the embodiments and drawings, devices, screens, interfaces, structures, and the like may be exaggerated, omitted, or schematically illustrated or shown for convenience and clarity of explanation. For example, the size of each component shown in each figure does not entirely reflect the actual size.

1 illustrates an exemplary financial automation device for providing a money selection user interface according to embodiments of the present invention. According to an embodiment of the present invention, the automated teller machine 100 includes a user interface unit 110, a banknote deposit / withdrawal unit 120, a passbook 130, and a card reader 140.

The automated teller machine 100 includes not only general cash dispensers but also a cash dispenser capable of withdrawing cash, a complex automation device providing various financial services such as a bank, an insurance and a credit card, (KIOSK), which provides a variety of additional services such as credit card issuance and point accumulation, and portable terminals such as smart phones capable of phone banking.

The user interface unit 110 may provide various financial services or additional services to the user through a graphical user interface (GUI) screen. The user interface unit 110 may include a touch screen type in which a menu selection and an operation are inputted from a user using a touch screen, a button type in which menu selection and operation are inputted from a user using a button, But the present invention is not limited thereto.

The deposit / withdrawal portion 120 of the banknote collects, removes, counts, and stores the banknotes, and the passbook 130 reads the passbook and performs the passbook organizing work. Then, the card reader 140 reads the card according to the user's input of the financial transaction card and performs the card related business. In the card reader 140, not only a card for a financial transaction such as a credit card or a cash card, but also a credit card or an identification card for other business can be read. In addition, the automated teller machine 100 may include a communication unit for connection with a financial automation server, a control unit for controlling the overall operation of the financial automatic machine, a memory for storing various data, and a print module for printing on a passbook or a specification sheet And the present invention is not limited thereto.

Hereinafter, a financial transaction method provided in a financial automatic machine according to embodiments of the present invention will be described with reference to FIG. 2 to FIG. Since the user interface screens shown in FIGS. 2 to 7 are merely exemplary, the user interface screen may be modified into various forms without departing from the spirit and scope of the present invention.

A financial transaction method according to an exemplary embodiment of the present invention includes a step of identifying a user, a step of determining an input amount by confirming a cash or check inputted from a user, and a step of determining, based on the inputted amount, And depositing the selected amount in each of the at least one deposit account and returning the remaining amount of the input money as cash. Although the user identification step, the input amount determination step, and the financial transaction execution step are sequentially described in this specification, the financial transaction method according to the present invention does not necessarily have to be bound to these orders. For example, the input amount determination step may be performed after the user identification step, but the user identification step may be performed after the input amount determination step. Hereinafter, the user identification step, the input amount determination step, and the financial transaction execution step will be sequentially described for convenience of explanation.

Figure 2 illustrates an exemplary procedure for displaying a basic user interface after user identification in a financial transaction method according to the present invention. The automated teller machine may display a screen 210 containing a message to input a card as shown in FIG. 2 as the first user interface screen provided to the user. When the user inserts the card, a screen 220 containing a message to input a password (i.e., a personal identification number (PIN)) is displayed. When a user inputs a password, a basic user interface screen 230 for performing various financial transactions is displayed. In the financial transaction method according to the embodiment of the present invention, the user can select the "Deposit" of the basic user interface screen 230 so that the subsequent procedure proceeds.

In FIG. 2, a procedure of inputting a card to identify a user has been described, but this is merely exemplary. According to another embodiment of the present invention, a user may be identified using a local communication technique such as near field communication (NFC) without inputting a card, and a user may be identified using biometric information (e.g., fingerprint, iris, And the user may be identified in such a way that the user directly enters the account number. In addition, a user may be identified by inputting a passbook or an identification card in place of the card, but the invention is not limited thereto.

The automated teller machine according to an embodiment of the present invention may include a user identification unit to identify a user as described above. The user identification may be implemented in hardware, software, firmware, or a combination thereof. In addition, the user identification unit may be implemented independently of other configurations, but may be implemented as part of other configurations.

Figure 3 shows the procedure after the user has selected "Deposit" in the basic user interface screen 230. First, a user interface screen 310, which allows a user to select whether to cash deposit, check deposit, or cash & check deposit, Is displayed. If the user selects "Cash Deposit" in the user interface screen 310 of FIG. 3 to deposit cash only, a screen 320 may be displayed to guide the user to input cash. When a user inputs cash, the automated teller machine checks the input cash amount and determines the input amount. When the input amount is determined, a screen 330 showing the result to the user can be displayed. For example, when a user inserts five $ 1 bills and five $ 5 bills, a screen 330 may be displayed showing how many bills have been inserted for each denomination as shown in FIG. 3 and a total input amount .

FIG. 4 shows a procedure after the user selects "Check Deposit" to deposit a check in the user interface screen 310 of FIG. If the user selects "Check Deposit ", a screen 420 may be displayed to guide the user to input a check. When a user inserts a check, the automated teller machine checks the inserted check to determine the input amount. When the input amount is determined, a screen 430 for displaying the result to the user can be displayed. For example, when a user inserts a check with an amount of $ 12.34, a screen 440 showing the scanned image of the inserted check and the determined input amount as shown in FIG. 4 may be displayed. Since the user interface screens 420, 430, and 440 shown in FIG. 4 are only exemplary, the user interface screen may be modified into various forms without departing from the spirit and scope of the present invention.

The user may select "Cash & Check Deposit" to deposit both the cash and the check in the user interface screen 310 of FIG. In this case, the procedures shown in FIG. 3 and FIG. 4 may be sequentially performed. For example, after the procedure 320, 330 for depositing cash proceeds, a procedure 420, 430, 440 for depositing a check may proceed. Of course, the procedures 420, 430, and 440 for depositing a check may precede the procedures 320 and 330 for depositing cash, and the order is not limited.

As described above, the financial automatic machine according to the embodiment of the present invention may include an input amount determining unit for checking the cash or check inputted from the user and determining the input amount. The input amount determining unit may be implemented by hardware, software, firmware, or a combination thereof. Also, the input amount determination unit may be implemented independently of other configurations, but may be implemented as part of other configurations.

5 illustrates an exemplary user interface 500 for selecting at least one deposit account from at least one financial account associated with a user in a financial transaction method in accordance with the present invention. Referring to FIG. 5, at least one financial account 511, 513, 515, 517 associated with the user is displayed. If the financial accounts 511, 513, 515, and 517 can not be displayed on one screen, they may be scrollable using the scroll bar 520. [ At this time, in order that the user can easily recognize that all of the plurality of financial accounts are not displayed on the current screen in a case where the financial account is so large that it is difficult to display all on one screen, Only a part of the information regarding the financial account 517 can be displayed. However, it may or may not cause the user to be aware that not all of the plurality of financial accounts are currently displayed on the screen, by dotted line processing or faded processing under the financial account 517 displayed at the bottom.

The at least one financial account 511, 513, 515, 517 associated with the user may be the user's own financial account or a financial account of the user other than the user's own financial account. Such a financial account may be pre-registered by the user. For example, a user may pre-register a financial account that he or she frequently uses through a bank window or online banking. If there is no user registration, the entire financial account of the user as a default setting may be set as a financial account associated with the user.

The user may select one or more deposit accounts from the displayed financial accounts 511, 513, 515, If the user interface unit 110 is implemented by a touch screen method, the user can select a deposit account by touching the displayed financial account. In addition, if the user interface unit 110 is implemented in a button manner, the deposit account can be selected through operation of the button, but the present invention is not limited thereto.

The user can select only one of the financial accounts as the deposit account, but can select a plurality of financial accounts as the deposit account. According to the embodiment shown in FIGS. 5 and 6, two financial accounts 511, 513 and 621 and 623 are selected, but the number of financial accounts the user can select as the deposit account is not limited thereto.

The financial account selected as the deposit account can be displayed according to a separate identification method to be distinguished from the remaining non-selected financial accounts. For example, as shown in FIG. 5, only the financial accounts 511 and 513 selected as the deposit account may be displayed in a shaded manner, or only the deposit accounts may be distinguished by different colors.

The user interface screen 500 provided in the financial transaction method according to the embodiment of the present invention includes a continue button 531, a cancel button 533, a return button 535, a language change button 537, a help button 539 ), And the like.

The user can confirm the selected deposit account by selecting the continue button 531 and proceed to the next step. The subsequent steps of the user selecting the continue button 531 will be described later with reference to Fig.

When the user selects the cancel button 533, the user can initiate the selection of the deposit account. For example, if the user selects the cancel button 533 while the two financial accounts 511 and 513 are selected as the deposit account as shown in FIG. 5, the selection for the financial account 511 and 513 is canceled So that none of the financial accounts can be returned to the unselected state. Or the cancel button 533 may act to terminate the current transaction itself.

When the user selects the return button 535, the user can return to the previous step of the currently displayed user interface screen 500. For example, if the user mistakenly mistakenly manipulates the current user interface screen 500 and displays the current user interface screen 500, the return button 535 may be selected to return to the previous state.

When the user selects the language change button 537, the display language provided on the user interface screen 500 can be changed. For example, in the embodiments shown in FIG. 2 to FIG. 7, although the description phrase and the button are expressed in English, by selecting the language change button 537, it can be expressed in a language other than English.

If the user selects the help button 539, he or she may be assisted by a telephone or video connection with an agent during a financial transaction through a financial automation device. The help button 539 may act as a button to perform a telephone or video connection between the user and the agent, but may also act as a call button to allow the agent near the automated teller machine to directly retrieve the user.

Hereinafter, with reference to FIG. 6, a procedure for inputting a deposit amount for each of at least one deposit account associated with a user in the financial transaction method according to the present invention will be described. This procedure may follow the procedure described in Fig. 5 (i.e., the procedure in which the user selects a part of the financial account as a deposit account). For example, the user may select the continue button 531 on the user interface screen 500 shown in FIG. 5, followed by the user interface screen 600 shown in FIG. However, according to the method of implementing the financial transaction method according to the present invention, the selection procedure of the deposit account described with reference to FIG. 5 is omitted and the interface screen 600 shown in FIG. 6 may be directly displayed. For example, if the user has previously set some or all of the financial accounts of the principal or the acquaintances to a deposit account associated with him or her, the procedure for selecting a deposit account from a predetermined financial account is omitted, (600) may be displayed. It should be understood that this can be changed according to the implementation of the financial transaction method according to the present invention. However, for convenience of explanation, it will be described that the interface screen 600 shown in FIG. 6 is followed by the user selecting the continue button 531 on the interface screen 500 shown in FIG.

6 illustrates an exemplary user interface 600 for entering a deposit amount for each at least one deposit account associated with a user in a financial transaction method according to the present invention. 6, an input amount display unit 610 for confirming an input amount and a return amount display unit 630 for displaying a return amount, as well as the deposit accounts 621 and 623 selected by the user are displayed.

The input amount display unit 610 displays the input amount determined by checking the cash or check inputted by the user. In this example, $ 12.34 is displayed as injected.

The user can input the deposit amount for each of the deposit accounts 621 and 623. For example, the user can select "x0001" (621) in the deposit account and input the amount to be deposited into the deposit account 621 through the number pad 640. In this example, $ 2.00 is entered. In addition, the user can input the amount to be deposited into the deposit account 623 through the number pad 640 after selecting "x0002" (623) in the deposit account. In this example, $ 2.34 is entered. If the interface unit 110 is implemented by a touch screen method, the amount may be input through the number pad 640 as shown in FIG. 6. However, if the interface unit 110 is implemented as a button method, You can also type.

The amount of money to be returned to the user as cash is displayed on the return amount display unit 620. According to one embodiment, the return amount may be an amount obtained by subtracting the sum of the deposit amount from the input amount. In this case, the returned amount can be automatically calculated and displayed. Before receiving the user input for confirming the deposit amount and the return amount from the user, the return amount may be automatically calculated each time the deposit amount is newly inputted.

In the example shown in Fig. 6, since only two deposit accounts 621 and 623 are selected, the deposit accounts 621 and 623 can be displayed on one screen. However, when a plurality of deposit accounts are selected and the deposit account is displayed on one screen . In this case, the deposit account can be displayed scrollably. For example, a scroll bar or the like may be additionally displayed to scroll the deposit account. In this case, even if the deposit accounts are scrolled, the return amount can be displayed so as to be displayed at a fixed position. That is, the return amount display unit 630 may be separated from the deposit account so that only the deposit accounts are scrolled. Also, as described with respect to FIG. 5, it may be possible to make the user aware that there are more deposit accounts below by displaying only the deposit account displayed at the bottom of the account.

In the exemplary user interface 600 of FIG. 6, the deposit accounts 621 and 623 are displayed between the input amount display unit 610 and the return amount display unit 630, but their positional relationship may vary. For example, the return amount display unit 630 may be displayed so as to be located directly below the input amount display unit 610 in order to allow the user to easily recognize the return amount, and the positional relationship is not limited thereto.

The automated teller machine can proceed with the subsequent procedure by receiving a user input confirming the deposit amount and the return amount. For example, the user can select the continue button 531 on the user interface screen 600 of FIG. 6 to determine the deposit amount and the return amount, and proceed to the subsequent procedure.

However, the return amount according to the deposit amount currently input may not be a withdrawable amount from the automated teller machine. For example, you may not be able to return the refund amount only with a ticket handled by a financial automation device, or the cash dispenser may not have enough cash to return the selected refund amount. In this case, a predefined message can be displayed. For example, if the user selects the continue button 531 to confirm the deposit amount and the return amount in such a situation, the automatic teller machine may display a separate error message that the amount of withdrawal can not be withdrawn. Alternatively, if the amount of money to be returned is not an amount that can be withdrawn from the automated teller machine, the user may be prevented from inputting a user input for confirming the amount of money and the amount of money to be returned. For example, the continue button 531 may be grayed out so that it is not selected.

In the above-described embodiment, the return amount is automatically calculated according to the deposit amount input by the user. However, according to another embodiment of the present invention, the user may directly input the return amount. That is, the user may select the return amount display unit 630 and directly input the return amount in such a manner that the deposit amount 621, 623 can be selected and the deposit amount can be inputted.

In this case, if the returned amount is not a withdrawable amount from the automated teller machine, the automated teller machine may display a predefined message, or prevent the user from inputting the deposit amount and the user input for confirming the returned amount. In this case, unlike the case where the return amount is automatically calculated, the sum of the return amount and the deposit amount may be inconsistent with the input amount. Therefore, even if the sum of the return amount and the deposit amount does not match the input amount, And the user input for confirming the deposit amount and the return amount may not be inputted.

7 illustrates an exemplary procedure for returning a refund amount in cash in the financial transaction method according to the present invention. This procedure may follow the procedure described in Fig. 6 (i.e., the procedure in which the user selects and confirms the deposit amount and the return amount). For example, the user can select the continue button 531 on the user interface screen 600 shown in FIG. 6, and then proceed to the procedure shown in FIG.

When the user input for confirming the deposit amount and the return amount is received from the user interface screen 600 of FIG. 6, the automated teller machine displays the idle screen 710, and then displays a screen 720 including a message to receive the cash, Lt; / RTI > At this time, the automated teller machine returns cash corresponding to the confirmed return amount. When the user receives the cash, the transaction specification list acceptance selection screen 730 can be displayed. On the basis of the user selection in the transaction specification sheet receipt selection screen 730, the transaction specification sheet may not be output in the financial automatic machine, or a standard transaction specification sheet may be output or a transaction specification sheet including the check image may be output.

A financial transaction method according to an embodiment of the present invention provides a financial transaction in which a portion of a cash or check total amount input by a user is deposited in at least one deposit account associated with a user and the rest is returned in cash. In order to perform such a financial transaction, the financial automatic machine according to the embodiment of the present invention may further include a financial transaction performing unit. The financial transaction performing unit may be implemented by hardware, software, firmware, or a combination thereof. In addition, the financial transaction performing unit may be implemented independently of other configurations, but may be implemented as a part of other configurations.

Embodiments of the present invention include a computer-readable medium having program instructions for performing various computer-implemented operations. Such a computer-readable recording medium may include program commands, data files, data structures, and the like, alone or in combination. Such media or program instructions may be those specially designed and constructed for application to embodiments of the present invention or may be known and available to those skilled in the computer software arts. Examples of computer-readable media include magnetic media such as hard disks, floppy disks and magnetic tape; optical media such as CD-ROMs and DVDs; magnetic media such as floppy disks; Magneto-optical media, and hardware devices specifically configured to store and execute program instructions such as ROM, RAM, flash memory, and the like. Examples of program instructions include machine language code such as those generated by a compiler, as well as high-level language code that can be executed by a computer using an interpreter or the like.

The features, structures, effects and the like described in the embodiments are included in at least one embodiment of the present invention and are not necessarily limited to only one embodiment. Furthermore, the features, structures, effects and the like illustrated in the embodiments can be combined and modified by other persons skilled in the art to which the embodiments belong. Therefore, it should be understood that the present invention is not limited to these combinations and modifications.

While the present invention has been particularly shown and described with reference to exemplary embodiments thereof, it is clearly understood that the same is by way of illustration and example only and is not to be taken by way of illustration, It can be seen that various modifications and applications are possible. For example, each component specifically shown in the embodiments can be modified and implemented. It is to be understood that all changes and modifications that come within the meaning and range of equivalency of the claims are therefore intended to be embraced therein.

Claims (11)

A financial transaction method carried out in a financial automatic teller machine (ATM)
Identifying a user;
Checking a cash or check inputted from the user and determining an input amount; And
Performing a financial transaction step of depositing an amount of money selected by the user with respect to each of the at least one depositing account associated with the user among the input amount to each of the at least one depositing account and returning the remaining one of the depositing amount with cash
The method comprising the steps of:
The method according to claim 1,
The financial transaction performing step
Displaying at least one financial account associated with the user; And
Receiving a user input for selecting at least one deposit account from at least one financial account associated with the user
Containing
Financial Transaction Methods in Financial Automation Devices.
3. The method of claim 2,
Wherein at least one financial account associated with the user is pre-registered by the user
Financial Transaction Methods in Financial Automation Devices.
The method according to claim 1,
The financial transaction performing step
Receiving a user input for entering a deposit amount for each at least one deposit account associated with the user;
Displaying an amount obtained by subtracting the sum of the deposit amount from the input amount in response to receiving the user input for inputting the deposit amount as a return amount; And
Receiving a user input for confirming the deposit amount and the return amount;
Containing
Financial Transaction Methods in Financial Automation Devices.
5. The method of claim 4,
The step of receiving a user input for inputting a deposit amount for each of the at least one deposit account
Displaying the at least one deposit account;
Receiving a user input for selecting any one of the at least one deposit accounts; And
Receiving a user input for inputting a deposit amount for the selected deposit account
Containing
Financial Transaction Methods in Financial Automation Devices.
6. The method of claim 5,
Wherein the displaying the at least one deposit account comprises: displaying the at least one deposit account in a scrollable manner if the at least one deposit account is not displayed on one screen
Financial Transaction Methods in Financial Automation Devices.
The method according to claim 6,
While the at least one deposit account is being scrolled, the return amount is displayed at a fixed location
Financial Transaction Methods in Financial Automation Devices.
5. The method of claim 4,
And when the return amount is not a withdrawable amount in the automated teller machine, a predefined message is displayed or the user input for confirming the deposit amount and the return amount is not inputted
Financial Transaction Methods in Financial Automation Devices.
The method according to claim 1,
The financial transaction performing step
Receiving a user input for inputting a portion of the input amount as a return amount and a user input for inputting a deposit amount for each of at least one deposit account associated with the user; And
Receiving a user input for confirming the deposit amount and the return amount;
Containing
Financial Transaction Methods in Financial Automation Devices.
10. The method of claim 9,
If the return amount is not an amount that can be withdrawn from the automated teller machine, or if the sum of the return amount and the deposit amount does not match the input amount, a predefined message is displayed or the deposit amount and the return amount And the user input to be confirmed is not input
Financial Transaction Methods in Financial Automation Devices.
1. A financial automatic teller machine (ATM) for automatically performing a financial transaction for a financial account of a user,
A user identification unit for identifying a user;
An input money determining unit for confirming a cash or check inputted from the user and determining an input amount; And
A financial transaction execution unit for depositing the amount selected by the user in each of the at least one deposit account in relation to each of the at least one deposit account associated with the user and returning the remaining amount of the input money in cash,
And the like.

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