KR20150115333A - Financial appratus and operating method of the same - Google Patents

Abstract

According to an embodiment of the present invention, a financial apparatus comprises: a medium deposit and withdraw module for counting media inputted from a user and storing the media of various types; an input unit for receiving a return command about some of counted money; and a control unit for discharging some of the counted money through the medium deposit and withdraw module according to the number of counted media per type wherein the counted media are selected within the range of some of the counted money among the media stored in the medium deposit and withdraw module if a return command about some of the counted money is inputted from the user. The financial apparatus processes transactions about the media inputted from the user.

Description

BACKGROUND OF THE INVENTION 1. Field of the Invention [0001] The present invention relates to a financial instrument,

The present invention relates to a financial instrument and a method of operating the same.

Through financial instruments, customers can use financial services provided by banks or credit card companies without having to visit financial institutions and conduct financial transactions. For example, a financial instrument provides financial transactions such as a deposit, an account transfer, a balance inquiry, a deposit withdrawal, and a bookkeeping, and prints transaction details on a financial transaction sheet to a user and provides the transaction details to a user. In recent years, financial instruments have been installed in convenience stores, subway stations, and building lobbies, enabling customers to conveniently conduct financial transactions without having to go directly to the bank.

However, in general financial devices, customers do not have the ability to return some of the amount that they have put in for the payment transaction, and if they want to process only a part of the input amount, it is inconvenient to cancel the transaction and start the transaction from the beginning have.

It is an object of the present invention to provide a financial instrument having a function of returning a portion of an amount of money input during a deposit or transfer transaction and a method of operating the same.

The technical problems of the present invention are not limited to the above-mentioned technical problems, and other technical problems which are not mentioned can be understood by those skilled in the art from the following description.

A financial instrument according to an embodiment of the present invention is a financial instrument for processing a transaction with respect to a medium input from a user, the financial instrument comprising: a media deposit / withdrawal module for counting media input from a user and storing media of a plurality of denominations; When a return command for the part of money is inputted from the user, the control unit controls the number of types of media selected in the range of the amount of money among the media stored in the media deposit and withdrawal module And discharging the amount of money through the media deposit / withdrawal module.

A method of operating a financial instrument according to an embodiment of the present invention includes steps of inputting a medium from a user, counting the input medium, displaying a counted amount, inputting a return command for a certain amount of the counted amount Receiving a transaction processing command for a difference between the amount of money and a difference amount of the amount of money, processing the transaction for the difference amount, and processing the transaction for the difference amount, And returning the amount.

The financial device and its operation method according to an embodiment of the present invention may return a part of the amount of money that is input at the time of a deposit or transfer transaction.

Further, the financial instrument and its operation method according to an embodiment of the present invention may return the certain amount of money according to the number of types of media selected within a certain amount of money requested to be returned from the user.

1 is a block diagram illustrating a financial device according to an embodiment of the present invention.
FIG. 2 illustrates a storage unit of a financial device according to an embodiment of the present invention.
3 is a flowchart illustrating an operation method of a financial device according to an embodiment of the present invention.
FIGS. 4 to 6 are views for explaining steps S130 and S140 of the method of operating a financial instrument according to an embodiment of the present invention.
FIG. 7 is a flowchart illustrating the operation of the financial device according to an exemplary embodiment of the present invention. Referring to FIG.
FIG. 8 is a flowchart illustrating an operation method of a financial device according to another embodiment of the present invention.

Hereinafter, some embodiments of the present invention will be described in detail with reference to exemplary drawings. It should be noted that, in adding reference numerals to the constituent elements of the drawings, the same constituent elements are denoted by the same reference symbols as possible even if they are shown in different drawings. In the following description of the embodiments of the present invention, a detailed description of known functions and configurations incorporated herein will be omitted when it may make the difference that the embodiments of the present invention are not conclusive.

In describing the components of the embodiment of the present invention, terms such as first, second, A, B, (a), and (b) may be used. These terms are intended to distinguish the constituent elements from other constituent elements, and the terms do not limit the nature, order or order of the constituent elements. When a component is described as being "connected", "coupled", or "connected" to another component, the component may be directly connected or connected to the other component, Quot; may be "connected," "coupled," or "connected. &Quot;

The financial device according to an embodiment of the present invention may be a financial device that obtains various media such as banknotes, securities, bills, coins, vouchers, etc. to process and process transactions such as deposit processing, And the like. Examples of such financial instruments include an automatic teller machine (ATM) such as a cash dispenser (CD), a cash recycling machine, and the like. However, the financial instrument is not limited to the above-described example, and may be a device for automating financial business such as FIS (Financial Information System).

Hereinafter, an embodiment of the present invention will be described on the assumption that the financial instrument is a financial automatic instrument. However, this assumption is for convenience of explanation, and the technical idea of the present invention is not limited to the financial automation equipment.

In the following description, it is assumed that a financial instrument receives a bill for a deposit transaction from a user, but the present invention is not limited thereto. The technical idea of the present invention is equally applicable to various media such as securities, jiro, coins, And can be applied equally to various transaction processing such as transfer transaction as well as transfer transaction.

1 is a block diagram illustrating a financial device according to an embodiment of the present invention. FIG. 2 illustrates a storage unit of a financial device according to an embodiment of the present invention.

Referring to FIG. 1, a financial device 100 according to an embodiment of the present invention may include a media deposit / withdrawal module 110, an input unit 120, a communication unit 130, and a control unit 140.

The media deposit and withdrawal module 110 can receive media from a user. The media deposit / withdrawal module 110 is disposed on the outer surface of the financial instrument 100, for example, and can be opened / closed through a shutter (not shown) to receive a medium from a user or to release a medium returned to the user.

The media deposit and withdrawal module 110 can count the loaded media. Specifically, the media deposit and withdrawal module 110 can recognize the type of the inserted media (for example, check, 50,000 won, 10,000 won, 5,000 won, and 1,000 won) and count the number of copies of each type of media. Accordingly, the media deposit / withdrawal module 110 can count the total amount of the inserted media.

The media deposit and withdrawal module 110 may store a plurality of types of media. 2, the media deposit and withdrawal module 110 may include a plurality of cassettes. For example, the first cassette 141 is the first model (ex. 50,000 won), the second cassette 142 is the second model (ex. 10,000 won), the nth cassette 143 Is a natural number) may store media of a third class (ex. 1 thousand won), but is not limited thereto. For example, when the communication unit 130 receives the transaction approval text from the server, the media inserted by the user can be stored in the cassette corresponding to each denomination.

Referring again to FIG. 1, the input unit 120 may receive various commands for transaction processing from a user. The input unit 120 may be configured as a touch screen, for example, but is not limited thereto. For example, the input unit 130 may receive a return command for a part of the total amount input from the user. The return instruction for the partial amount may include a return amount and / or information on the number of pieces of return media by volume. In addition, the input unit 130 may receive a transaction processing command for the amount of difference or a difference between the input amount and the amount of the inputted amount, excluding some amount.

The communication unit 130 transmits a transaction processing request message for processing a transaction according to a transaction processing command input from the user to the server, and receives the transaction approval message from the server. In addition, when a failure (e.g., a jam occurs) occurs in the process of storing the input media in the media deposit and withdrawal module 110 after receiving the transaction approval message, the communication unit 130 notifies the server of the return notification A professional can be transmitted.

The control unit 140 may control the operation of the media deposit / withdrawal module 110, the input unit 120, and the communication unit 130 as a whole. For example, when a return instruction for a certain amount of money input from the user is input through the input unit 120, the control unit 160 selects the medium among the media stored in the media deposit / withdrawal module 110 The amount of money can be released through the media deposit / withdrawal module 110 according to the number of media by volume. In addition, the control unit 160 can communicate with the server by controlling the communication unit 130 when a transaction processing command for a difference between the amount input by the user or the input amount is subtracted from the input unit 120.

Although not shown in FIG. 1, the financial device 100 according to an exemplary embodiment of the present invention further includes a display unit for outputting a count result of the input medium, a processing result of a transaction processing command input from the user, and the like can do.

3 is a flowchart illustrating an operation method of a financial device according to an embodiment of the present invention. FIGS. 4 to 6 are views for explaining steps S130 and S140 of the operation method of the financial device according to the embodiment of the present invention. FIG. 7 is a flowchart illustrating the operation of the financial device according to an exemplary embodiment of the present invention. Referring to FIG.

Referring to FIG. 3, a method of operating a financial device according to an exemplary embodiment of the present invention includes a step S110 of inputting a medium from a user, a step S120 of counting a charged medium, A step S140 of judging whether a certain amount of money return command is inputted, a step of receiving a return amount and / or a number of pieces of return media number information when a partial money amount return command is inputted, A step S160 of receiving a transaction processing command for a difference amount (S150), processing a transaction for the difference amount (S160), returning the partial amount according to the number of types of media selected within the certain amount range (S170 A step S180 of displaying a transaction processing result of the difference amount and a return processing result of the partial amount, and issuing a specification sheet S190.

If it is determined in step S130 that the user does not input a return amount command, step S210 of receiving a transaction processing command for the entire amount inserted in place of steps S140 to S180, processing the transaction S220), and displaying a transaction processing result (S230) may be performed.

Hereinafter, steps S110 through S190, S210 through S230 will be described in detail.

First, in step S110, the media deposit / withdrawal module 110 can receive media from a user.

In step S120, the media deposit / withdrawal module 110 counts the inserted media, and transmits information on the counted money to the control unit 140. [ The control unit 140 may output information on the counted amount through the display unit so that the user can confirm the counted amount.

4, the media deposit and withdrawal module 110 counts the number of copies for each category, for example, checks, 50,000 won, 10,000 won, 5,000 won, and 1,000 won, And may transmit information on the total amount to the control unit 140. The control unit 140 may output information on the amount of money counted for each denomination and the total amount charged through the display unit. As an example, the counted amount is assumed to be one 50,000 won (50,000 won), so the total amount of money input by the user will be 50,000 won.

In step S130, the control unit 140 can determine whether a partial amount return command is input from the user through the input unit 120. [ For example, when the 'partial return' interface of the input unit 120 is touched by the user, the control unit 140 may determine that a partial amount return command has been input.

In step S140, the input unit 120 may receive a return amount and / or return media number information from the user.

5, the input unit 120 may generate a numeric key interface to receive a return amount and / or a number of return media number information from a user. For example, the user may touch the number key interface to input the number of the returnable media to be returned and / or the number of the requested media to be returned. Illustratively, the return amount is assumed to be three (10,000 won), but not limited thereto. That is, according to the embodiment, the user can select at least one of the check, the 50,000 won, the 10,000 won, the 5,000 won, and the 1,000 won money according to the return amount to receive the money amount (for example, 30,000 won) have.

In step S150, the input unit 120 may receive a transaction processing command for the difference amount.

Specifically, referring to FIG. 6, the controller 140 may output information on a difference between the amount of money input by the user and the amount of the difference, which is requested to be returned, through the display unit. Illustratively, the difference is assumed to be 20,000 won. The user can touch a 'confirmation' interface of the input unit 120 to input a transaction processing command for the difference amount.

In step S160, the control unit 140 may process the transaction for the difference amount.

7, step S160 includes transmitting a transaction processing request message to the server (S161), receiving a transaction approval message from the server (S162), and storing all inserted media (S163 ).

In step S161, the communication unit 130 may transmit a transaction processing request message to a server (for example, an external financial server) under the control of the control unit 140. [ The transaction processing request telegram may include a return amount and / or information on the number of return media by volume. Accordingly, the information on the amount of money initially input from the user, the amount returned, and the difference in transaction processing can be managed through the server, thereby improving the efficiency of the financial apparatus without error in financial computing.

In step S162, the communication unit 130 may receive a transaction approval message from the server.

In step S163, the control unit 140 may store all of the media initially input by the user into the media deposit / withdrawal module 110. [

Referring back to FIG. 3, in step S170, the controller 140 may release the part of the amount of money through the media deposit / withdrawal module 110 according to the number of media by volume, which is selected by the user within the amount of money requested to be returned . That is, the control unit 140 stores all of the media input by the user in the media deposit / withdrawal module 110, and when the user returns from the media deposit / withdrawal module 110, It can be newly extracted and released.

In step S180, the control unit 140 may output a processing result of the difference amount and a return processing result of the partial amount requested to be returned through a display unit (not shown).

In step S190, the control unit 140 may output the processing result of the difference amount and the specification sheet including the result of the return processing on the requested amount of money to the outside of the financial instrument 100. [

On the other hand, if it is determined in step S130 that a return command for a certain amount of money is not input, steps S210 to S230 are performed.

In step S210, the input unit 120 may receive a transaction processing command for the entire amount of money.

In step S220, the control unit 140 may process the transaction according to the transaction processing command. For example, the control unit 140 may transmit the transaction processing request message to the server through the communication unit 130 and receive the transaction approval message from the server.

In step S230, the control unit 140 may output the transaction processing result through a display unit (not shown).

As described above, in the operation method of the financial device according to the embodiment of the present invention, when there is a request to return some money among the money input from the user for transaction processing such as deposit or transfer, The amount of money may be returned according to the number of pieces of media by type of book.

FIG. 8 is a flowchart illustrating an operation method of a financial device according to another embodiment of the present invention. In order to avoid unnecessary duplication, a detailed description of the same steps as those described with reference to FIG. 3 will be omitted.

Referring to FIG. 8, a method of operating a financial device according to another embodiment of the present invention includes a step S310 of inputting a medium from a user, a step S320 of counting a charged medium, A step S340 of receiving the return amount and / or the information on the number of return media by volume when the partial return command is inputted, (S360) a step of receiving a transaction processing command (S350), a step of processing a transaction for the difference (S360), a step of determining whether a failure occurs in storing the loaded medium (S370) (S380), and a step (S390) in which the generated fault is recovered.

In addition, the method may further include a step S392 of selectively processing a return request for a certain amount of money through the clerk terminal.

If it is determined in step S330 that the user does not input a partial amount return command, steps S410 through S430 may be performed. Steps S410 through S430 may be the same as steps S210 through S230 described with reference to FIG.

If it is determined in step S370 that there is no failure in storing the loaded media, steps S510 to S530 may be performed. Steps S510 through S530 may be the same as steps S170 through S190 described with reference to FIG.

For example, in step S370, the controller 140 may determine whether a failure such as a jam has occurred in the process of storing the loaded media.

In step S380, when the failure occurs, the control unit 140 controls the communication unit 130 to transmit the notification of the return notification to the server. The unrewarded notification notification telegram may include information on the amount of money that has not been returned and / or information on the number of return media for each ticket, although the user has received a return instruction. Therefore, it is possible to prevent the inconsistency with the transaction processing request for the difference amount, thereby preventing the financial accidents.

In step S390, the fault is recovered by the clerk and a partial amount return instruction from the user can be processed through the clerk terminal (for example, the financial instrument can be controlled by being connected with the clerk terminal). That is, the clerk terminal can control the financial instrument 100 (see FIG. 1) so that a part of the amount of money according to the return instruction from the user is released through the media deposit and withdrawal module 110 (see FIG. 1).

Meanwhile, FIG. 8 illustrates a case in which a failure occurs in the process of processing the transaction for the difference (S370), that is, in the process of storing the inserted medium, but the present invention is not limited thereto. Even if a failure such as jam occurs in the process of returning the medium, steps S380 and S390 described above may be performed.

While the present invention has been described in connection with what is presently considered to be the most practical and preferred embodiment, it is to be understood that the invention is not limited to the disclosed embodiments. That is, within the scope of the present invention, all of the components may be selectively coupled to one or more of them. In addition, although all of the components may be implemented as one independent hardware, some or all of the components may be selectively combined to perform a part or all of the functions in one or a plurality of hardware. As shown in FIG. The codes and code segments constituting the computer program may be easily deduced by those skilled in the art. Such a computer program can be stored in a computer-readable storage medium, readable and executed by a computer, thereby realizing an embodiment of the present invention. As the storage medium of the computer program, a magnetic recording medium, an optical recording medium, a carrier wave medium, or the like may be included.

Furthermore, the terms "comprises", "comprising", or "having" described above mean that a component can be implanted unless otherwise specifically stated, But should be construed as including other elements. All terms, including technical and scientific terms, have the same meaning as commonly understood by one of ordinary skill in the art to which this invention belongs, unless otherwise defined. Commonly used terms, such as predefined terms, should be interpreted to be consistent with the contextual meanings of the related art, and are not to be construed as ideal or overly formal, unless expressly defined to the contrary.

The foregoing description is merely illustrative of the technical idea of the present invention, and various changes and modifications may be made by those skilled in the art without departing from the essential characteristics of the present invention. Therefore, the embodiments disclosed in the present invention are intended to illustrate rather than limit the scope of the present invention, and the scope of the technical idea of the present invention is not limited by these embodiments. The scope of protection of the present invention should be construed according to the following claims, and all technical ideas within the scope of equivalents should be construed as falling within the scope of the present invention.

100: Financial equipment
110: Media withdrawal module
120: Input unit
130:
140:
141: First cassette
142: 2nd cassette
143: n-th cassette

Claims (9)

1. A financial instrument for processing a transaction for a medium input by a user,
A media deposit and withdrawal module for counting media input from a user and storing media of a plurality of denominations;
An input unit for receiving a return command for a part of the counted amount; And
And a control unit which, when a return command for the part of money is input from the user, releases the part of money through the media deposit / withdrawal module in accordance with the number of pieces of media selected in the certain amount range of the media stored in the media deposit / . The method according to claim 1,
Wherein the return command includes a return amount or a return amount information of the ticket type. 3. The method of claim 2,
Wherein the media deposit / withdrawal module comprises: a first cassette storing a first type of medium; And
And a second cassette for storing a second type of medium. 3. The method of claim 2,
Further comprising a communication unit for transmitting a transaction processing request message for processing the transaction by communicating with the server and receiving a transaction approval message for the transaction from the server. 5. The method of claim 4,
Wherein the transaction processing request telegram includes the return amount or the information on the number of return media for each ticket. The method according to claim 1,
Wherein the control unit transmits an undelivery notification message to the server when a failure occurs in the process of receiving the input medium or in the process of releasing the partial amount of money. A step of inputting a medium from a user;
Counting the inserted media, and displaying the counted amount;
Receiving a return command for a part of the counted amount;
Receiving a transaction processing command for a difference between the counted amount and a certain amount of money;
Processing a transaction for the difference amount; And
And returning the part of money according to the number of pieces of media selected in the certain amount range. 8. The method of claim 7,
Further comprising the step of receiving a return amount or information on the number of pieces of return media by volume after the return command is input. 8. The method of claim 7,
Further comprising the step of transmitting an unfinished notification telegram to the server when a failure occurs in the step of storing the inserted medium or in the step of returning the partial amount.

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