KR20160058386A - Smart Savings Box System and Method thereof - Google Patents

Abstract

The present invention relates to a saving system using a smart moneybox and a saving method thereof. The saving method comprises the steps of: sending images of bills inputted into the smart moneybox which are scanned by an image sensor of a scanning device mounted on the smart moneybox to a server through a wired/wireless network; comparing standard data of bills such as letters on a bill recognized by an optical character reader of the server, numbers and letters stored in a database, the amount of currency, a currency unit, a bank of issue, and an issuing country; informing a user terminal of saved amount of money through a wireless network; and providing rewards for saving such as event coupons or bonus coupons, sharing saving data with user′s acquaintances or providing a ranking of saving in order to encourage users to participate.

Description

Technical Field [0001] The present invention relates to a savings system using a smart bank,

The present invention relates to a saving system using a smart bank and a saving method using the savings bank. More particularly, the present invention relates to a saving system using a smart bank, And then transmits the data to the server through the process of transmitting the standard data of banknotes such as money, currency, money, currency, money, currency, Etc., and informs the user terminal of the amount of money saved by the user in the piggy bank through the wireless network, and provides compensation for saving activities such as event coupon / bonus point provision after saving, , Savings systems that increase savings engagement by sharing savings data, And to a savings method.

Since most of the piggy banks are products that are purchased for the purpose of forming savings habits of children and adolescents, devices that can systematically manage pocket money and devices that can keep saving habits constantly are needed. However, There are many parts that are not enough to perform these functions.

Conventional piggy banks did not know how much money was saved in the piggy bank to accumulate money by putting coins or bills into some open input such as a piggy bank, but simply collecting money.

In addition, there was a limit to the parents' ability to manage their children's savings habits because they could not know the number or amount of savings they had made.

Therefore, it is necessary to provide a piggy bank equipped with the function of providing compensation for saving act through the child's saving history or data or sharing the data about the savings with the parents.

On the other hand, recently, when a coin is inserted into a piggy bank to form a saving habit of a child, there is a form of a piggy bank which recognizes the size of the coin and recognizes the amount of the coin, displays it on the liquid crystal screen of the piggy bank, or outputs sound.

However, these piggy banks do not provide the function of recognizing bills. Considering that the main currency unit used recently or the pocket money unit provided by the parents to the children are mostly bills, provision of a bank equipped with the function of recognizing bills need.

In addition, since the conventional piggy bank is suitably manufactured for inputting coins, when the banknotes are to be deposited, the banknotes are damaged due to the necessity of folding the banknotes in a size suitable for the input port.

In general, the bill recognition technology capable of grasping the amount of bills can be achieved by magnetically or optically extracting features of a bill using an optical sensor, a color sensor, a magnetic sensor, etc., and is utilized in an automatic vending machine or an ATM machine have. However, these technologies are expensive and not suitable for use in a home bank.

In addition, since the bill recognition technology utilized in a vending machine, an ATM machine, or the like is set to recognize only a specific banknote in the country, and the inserted banknote can not be recognized unless a new currency denomination is updated in the memory device in the apparatus, It is not suitable to be applied to a piggy bank that needs a technique for recognizing various bills of a bank.

As a method for recognizing a paper currency using a wavelength of infrared rays and an ultraviolet ray, Japanese Patent Laid-Open Nos. 10-2001-90050 and 10-2002-83122 and Patent Registration 10-0784466, and Patent Registration No. 10-0923082 discloses a method of using a color scanner in a banknote discrimination apparatus. However, this method is used for discrimination of forgery through scanning on the hidden line region, 10-0807656 discloses a method for identifying a banknote denomination by applying an OCR character reading technique in terms of utilizing scanned image and a scanned image and comparing the length and pattern of the already inputted banknote for counterfeiting discrimination. The method and purpose are different.

SUMMARY OF THE INVENTION The present invention has been made to solve the above-mentioned problems, and it is an object of the present invention to provide a savings bank capable of collecting a certain amount of money through a piggy bank equipped with a technology capable of recognizing a bill, And to provide a savings system and a savings method using a smart bank as an application for improving the savings.

In addition, by registering a number of users who use a piggy bank through a local communication network or a button device such as Near Field Communication (NFC) and Bluetooth, and by authenticating a specific user, the whole family uses a single piggy bank It is an object of the present invention to provide a smart bank system in which savings data can be shared together.

In addition, another object of the present invention is to provide a method of providing compensation for saving actions such as providing event coupons / bonus points after saving, or providing a plurality of smart money account users with a social network service (SNS) And to provide a smart bank system that enables savings participation by scoring savings results such as the number of savings, the amount of savings, and the degree of achievement of goals, and provides them as rank comparison.

In addition, the conventional bill recognition technology is not suitable for a home bank because it is an expensive technology that discriminates the counterfeit. Therefore, if you scan an image of a banknote in a bank and send it to the server via wired / wireless communication network, the money amount composed of letters and numbers (for example, 1000, 5000, 10000,

Bank of Korea, Bank of Korea, Nippon Bank, NIPPON GINKO, People's Republic of China, etc.), currency units (eg, WON, (Eg, ZHONGGUO RENMIN YINHANG), the issuing country (eg, THE UNITED STATES OF AMERICA, EURO) by character recognizing technology, and compared with the standard data of banknotes in the database of the server, The purpose of this paper is to provide a smart banking system through banknote recognition technology using technology.

It is another object of the present invention to provide a smart bank system capable of conveniently recognizing bank notes of more countries by using the above-mentioned bill recognition method, and also capable of grasping the savings amount of foreign currency through interlocking with real-time exchange rate information.

According to an embodiment of the present invention, there is provided a savings system using a smart bank,

And a communication unit 150 having an input port 110 and a scanner 120 for scanning a bill inserted through the input port 110 and transmitting an image scanned through the scanner 120 A server 300 for extracting and storing character and numerical information of a banknote from the image transmitted through the smart cashbox 100 and the communication unit 150 and a server 300 for storing the money amount constituted by letters and numbers characterizing the banknotes for each banknote A database 310 in which standard data of banknotes such as a banknote 610, a currency unit 620, an issuing bank or an issuing country 630 are stored; And a user terminal 200 receiving the currency denominated from the server 300. [

The smart cashbox 100 may further include a short range communication unit 180 for performing short range wireless communication with the user terminal 200.

The server 300 includes an OCR dial unit 300 for extracting characters and numbers from an image scanned through the scanner 120; A database 310 storing standard data of banknotes such as a money amount 610, a currency unit 620, an issuing bank or a issuing country 630, which characterize each banknote; A user authentication unit 330 for storing and managing information of a smart bank user; And an event management unit 340 for transmitting an event coupon / bonus point and the like to the user of the smart money bank to the user terminal 200. [

The server 300 may further include an SNS server 500 for providing a social network service between smart cash users.

The server 300 may further include a exchange rate information server 400 for providing real-time exchange rate information.

The user terminal 200 includes an interface unit 210 for communicating with the smart bank 100 via a wired or wireless communication means. A device recognizing unit 220 for automatically activating the client program 230 when recognizing that the smart bank 100 is connected through the interface unit 210; A client program 230 that performs a user authentication through the user authentication unit 330 of the server 300 and the user terminal 200 and identification information of the smart bank 100 and performs an interlocking function with the smart bank 100, ; A communication unit 240 communicating with the smart bank 100 and the server 300 through a wire / wireless communication module and transmitting or receiving data according to the savings; And a short range communication unit 250 and a central processing unit 260 that communicate with the smart bank 100 through short-range wireless communication such as NFC or Bluetooth and authenticate a user of the smart bank 100. [

According to another aspect of the present invention, there is provided a saving method using the smart bank 100,

A bill input step of recognizing a bill inputted through the input unit 110; Transmitting the bill image to the server 300 through the communication unit 150 after the scanner 120 equipped with the CIS sensor scans the bill, Extracting letters and numbers of banknote images from the OCR dial unit (320) of the server (300); Determining whether letters and numbers extracted from the banknote image match the banknote standard data of the database 310; If the central processing unit 360 has a currency denomination in which standard data of the banknote image coincides with standard data of the banknote, transmitting the money denomination to the user terminal 200; If the central processing unit 360 does not have a currency denomination whose standard data of the banknote coincides with the standard currency of the banknote, the banknote is conveyed and an error code is output to the user terminal 200; Determining whether the user of the bank has performed user authentication through the client program (230) of the user terminal (200) linked to the smart bank (100); Requesting user registration if user authentication is not possible through the client program 230 of the user terminal 200 in cooperation with the smart bank 100; Paying for the savings by visually and audibly transmitting event coupons or bonus points to the user terminal 200 whenever the user saves; Related items that can be objectively evaluated such as the number of times of savings, the amount of savings, the degree of achievement of goals, etc., by using the user information registered in the user authentication unit 330 of the server 300 or the user information registered in the SNS server 500 And visually and audibly outputting a savings rank of a specific group member within the smart piggy bank user group based on the savings rank of the group members.

According to the saving system using the smart bank and the saving method using the smart bank according to the embodiment of the present invention as described above, the amount of money saved in the smart bank can be informed directly through the user terminal, and the savings data can be shared by the parents and children , Providing rewards through event coupons or bonus points for saving activities of children, and providing a motivation for saving through the display of the savings rank among the specific group members in the Smart Piggy Bank user group through SNS. Efficient saving habits can be raised, and parents can have a living economic education for their children.

Also, by using the method of recognizing the amount of savings by comparing the standard data of money stored in the database of the server and the letters and numbers characterizing the money to be inputted, it is possible to use an expensive bill recognition device applied to existing vending machines and ATM devices It is not necessary to apply the present invention, so that it is possible to produce a high-performance piggy bank that recognizes bills at low cost.

By recognizing the currency of a certain country through the bill recognition technology using OCR character recognition and linking it with the real-time exchange rate information, the foreign currency is converted into the domestic currency based on the exchange rate, and the foreign currency as well as the domestic currency It can be expected that the use of the piggy bank can be utilized without any separate apparatus in various countries.

These drawings are for the purpose of describing an exemplary embodiment of the present invention, and therefore the technical idea of the present invention should not be construed as being limited to the accompanying drawings.
1 is a network configuration diagram schematically illustrating a smart banking system according to an embodiment of the present invention.
2 is a block diagram showing a configuration of a smart bank according to an embodiment of the present invention.
FIG. 3 is a block diagram illustrating a configuration of a smart cashbox system server according to an embodiment of the present invention.
4 is a block diagram showing a configuration of a user terminal according to an embodiment of the present invention.
FIG. 5 shows a money amount composed of letters and numbers inserted into a banknote, a currency unit, an issuing bank or a country of issue.
6 is a flowchart illustrating a bill recognition method and a method for providing a savings service according to an embodiment of the present invention.

Hereinafter, exemplary embodiments of the present invention will be described in detail with reference to the accompanying drawings, which will be readily apparent to those skilled in the art to which the present invention pertains. The present invention may, however, be embodied in many different forms and should not be construed as limited to the embodiments set forth herein.

In order to clearly illustrate the present invention, parts not related to the description are omitted, and the same or similar components are denoted by the same reference numerals throughout the specification.

It is to be understood that both the foregoing general description and the following detailed description of the present invention are exemplary and explanatory and are intended to provide further explanation of the invention as claimed. .

FIG. 1 is a block diagram showing a schematic network configuration of a smart bank system according to an embodiment of the present invention.

A smart bank 100 capable of inputting banknotes, a user terminal 200 receiving the deposited banknote amount and information, and a server 300 for recognizing the denomination of the inputted banknote and processing data.

It is desirable that the smart cashbox 100 be shaped like a cube, and the surface should be designed as a character so that children can have familiarity.

The user terminal 200 may include a variety of communication terminals including a smart phone such as a mobile phone, a laptop computer, a DMB (Digital Multimedia Broadcasting) terminal, a PDA (Personal Digital Assistants), a PMP A personal computer, a TV, or any other terminal capable of executing an application program, including a fixed terminal.

2 is a block diagram showing the configuration of a smart bank 100 according to an embodiment of the present invention.

As shown in FIG. 2, the smart bank 100 according to the embodiment of the present invention includes a scanner 120 for scanning a bill inserted through the input port 110, A display unit 130 for visually displaying whether or not a deposit has been made, a speaker unit 140 for outputting a proper voice or sound to the user, a communication unit for transmitting the scanned image through the scanner 120 And a storage unit 160 in which banknotes introduced through the banknote charging slot 110 are stored, an opening / closing sensor or a horizontal sensor to detect theft when the bank is abnormally opened or closed, A server 300 for extracting and storing character and numerical information of a banknote from the image transmitted through the communication unit 150 and a character 300 characterizing each banknote, By number A database 310 in which standard data of money such as a denominated money amount 610, a denomination 620, an issuing bank or an issuing country 630 are stored, And a terminal 200.

A user who wishes to deposit money in the smart bank 100 may authenticate the user through a local communication unit 180 such as NFC or Bluetooth attached to the bank 100 and then input banknotes into the input port 110 formed in the bank 100 .

The bill inserted into the smart bank 100 is scanned through the scanner 120. The scanned image is transmitted to the server 300 through the communication unit 150.

The scanner 120 is for scanning information such as a money amount 610 composed of letters and numbers, a currency unit 620, an issuing bank or an issuing country 630. The scanned banknote image is stored in the database 300 of the server 300 Is compared with standard data such as a denomination amount 610, a denomination 620, an issuing bank and an issuing country 630 for each banknote stored in the banknote storing unit 310, do. In the embodiment of the present invention, the scanner 120 employs a contact image sensor (CIS).

FIG. 3 is a block diagram showing the configuration of a smart banking system server 300 according to an embodiment of the present invention.

3, the server 300 according to an exemplary embodiment of the present invention includes an OCR dial unit 320 for extracting and recognizing characters or numbers from an image scanned through the scanner 120, A database unit 310 in which standard data of money such as a denomination amount 610 of a banknote, a denomination 620, an issuing bank or an issuing country 630 are stored, and a user terminal 200 A user authentication unit 330 for storing and managing user information of the smart cashbox 100, an event management unit 340 for transmitting an event coupon / bonus point to the smart bank user stored in the user authentication unit 330, And a central processing unit 360 for controlling the operation of each part for overall operation of the system.

The savings amount recognized from the OCR-dial unit 320 is transmitted to the smart bank 100 and the client program 230 of the user terminal 200 that has been authenticated by the user and reflected in the accumulated savings amount.

However, if the inserted bill does not coincide with the standard data of the bill stored in the database 310, the inserted bill is conveyed and an error message is output to the client program 230 of the user terminal 200.

It is judged that the saving habit is formed properly as the number of times the banknotes are inserted into the smart cashbox 100. The event management unit 340 notifies the user of an event coupon / bonus point And outputs or provides images or sounds through the display unit 130 of the bank or the user terminal 200 so that the children can be more interested in saving activities.

The server 300 may further include a exchange rate information providing server 400 for providing real-time exchange rate information.

The server 300 may further include an SNS server 500 for providing a social network service between smart cash users.

4 is a block diagram showing a configuration of a user terminal 200 according to an embodiment of the present invention.

4, a user terminal 200 according to an embodiment of the present invention includes an interface unit 210, a device recognition unit 220, a client program 230, a communication unit 240, a short range communication unit 250, And a central processing unit (260).

The interface unit 210 serves to communicate with the smart bank 100 through wired or wireless communication means.

The device recognition unit 220 automatically activates the client program 230 when it recognizes that the smart bank 100 is connected through the interface unit 210.

The client program 230 confirms the user authentication through the user authentication unit 330 of the server 300 and the user terminal 200 and identification information of the smart bank 100 and performs an interlock function with the smart bank 100 do.

The communication unit 240 communicates with the smart cashbox 100 and the server 300 through a wire / wireless communication module and transmits or receives data according to the savings.

The short-range communication unit 250 communicates with the smart bank 100 through short-range wireless communication such as NFC or Bluetooth, and authenticates the user of the smart bank 100. [

The central processing unit 260 controls the operations of the respective units for the overall operation of the user terminal 200.

FIG. 5 shows a money amount composed of letters and numbers inserted into a banknote, a currency unit, an issuing bank or a country of issue.

6 is a flowchart illustrating a saving method according to an embodiment of the present invention.

6, the smart cashbox 100 recognizes the banknote when the user inserts the banknote (S401), and the scanner 120 scans the banknote image and transmits the image data to the server 300 (S402).

Characters and numbers of the banknote images are extracted from the OCR dial unit 320 of the server 300 (S403).

It is determined whether or not the letters and numbers extracted in step S403 match the standard data of money such as the money amount 610, the currency unit 620, the issuing bank or the issuing country 630, which are composed of letters and numbers stored in the database unit 310 (S404).

If the banknote is recognized in step S404, the number of banknotes is counted and the savings amount and the accumulated savings amount are transmitted to the user (S406). If the banknote denomination is not recognized, the inserted banknote is returned and an error code is output to the user (S410).

It is determined whether the user has performed the user authentication through the client program 230 of the user terminal 200 linked to the smart bank 100 in operation S405.

If the user is not authenticated through the client program 230 of the user terminal 200 interlocked with the smart bank 100 in step S405, the user registration is requested (S409).

In step S406, the user terminal 200 visually and audibly transmits event coupons or bonus points to the user terminal 200 every time the user saves the money (S407).

In step S405, the user information registered in the user authentication unit 330 of the server 300 or the user information registered in the SNS server 500 is used to calculate an amount of savings that can be objectively evaluated such as the number of savings, The related items are scored and based on this, the savings rank among the specific group members in the Smart Piggy Bank user group is visually and audibly output to inform the user (S408).

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, And it goes without saying that the invention belongs to the scope of the invention.

100: smart bank 110: input unit 120: scanning device unit 130: display unit
140: speaker unit 150: communication unit 160: storage unit 170:
180: Local communication unit 190:

200: user terminal 210: interface unit 220:
230: client program 240: communication unit 250:
260: Central processing unit
300: server 310: database part 320: OCR dial plate reader
330: Subscriber authenticating unit 340: Event unit 350: Communication unit
360: central processing unit
400: exchange rate information server
500: SNS server

Claims (7)

A method for recognizing a savings amount and transferring the savings amount to a user terminal in cooperation with a server through smart /

A display unit 130 for visually displaying whether or not a deposit is made or whether the deposit is in a deposit or not, A communication unit 150 for transmitting an image scanned through the scanner 120 to a server, a storage unit 140 for storing the banknotes received through the banknote charging slot 110, A smart bank 100 having a unit 160, an open / close sensor or a horizontal sensor, and detecting a theft when the bank is abnormally opened or closed;

An OCR dial unit 300 for extracting characters and numbers from the image transmitted from the communication unit 150 and recognizing a denomination amount, a denomination amount 610 for each denomination, a denomination 620, A database unit 310 for storing standard data of money such as a credit card 630, and a central processing unit 360 for controlling operations of each part for overall operation of the system. And

And a user terminal (200) for receiving a bill amount recognized from the server (300).
The method of claim 1,

Wherein the smart cashbox (100) further comprises a short range communication unit (180) capable of performing a user authentication by a plurality of users through a short distance wireless communication with the user terminal (200).
The method of claim 1,

The server (300)
An OCR dial unit 300 for extracting and recognizing characters or numbers from the scanned image through the scanner 120;

A database unit 310 for storing standard data of money such as a denomination amount 610, a denomination 620, an issuing bank or an issuing country 630 for each banknote;

A user authentication unit 330 for storing and managing user information of the smart bank 100 authenticated by the user through the user terminal 200;

An event management unit 340 for transmitting an event coupon / bonus point and the like to the smart bank user stored in the user authentication unit 330;

And a central processing unit (360) for controlling the operation of each part for overall operation of the smart bank system.
4. The method according to claim 1 or 3,

The server (300)
And an SNS server (500) for providing a social network service between users of smart piggy bank.
4. The method according to claim 1 or 3,

The server (300)
And a server (400) for providing real-time exchange rate information when the foreign currency is inserted into the smart bank (100).
The method of claim 1,

The user terminal (200)
An interface unit 210 for establishing communication with the smart bank 100 through wired or wireless communication;

A device recognizing unit 220 for operating the client program 230 corresponding to the smart bank 100 when recognizing that the smart bank 100 is connected through the interface unit 210;

A client program 230 that performs a function of interfacing with the smart bank 100 after the user authentication of the smart bank 100 through the user authentication unit 330 of the server 300 and the user terminal 200;

A communication unit 240 communicating with the smart bank 100 and the server 300 through a wire / wireless communication module and transmitting or receiving data according to the savings;

A short range communication unit 250 for communicating with the smart bank 100 via short-range wireless communication such as NFC or Bluetooth and authenticating a user of the smart bank 100;

And a central processing unit (260) for controlling the operation of each part for overall operation of the user terminal (200).
A bill input step of recognizing a bill inserted through the input unit 110;

Transmitting the bill image to the server 300 through the communication unit 150 after the scanner 120 equipped with the CIS sensor scans the bill,

Extracting letters and numbers of the banknote images from the OCR dial unit (320) of the server (300)

Determining whether the letters and numbers extracted from the banknote image match the monetary standard data such as the money amount 610, the currency unit 620, the issuing bank or the issuing country 630 of the database 310,

If the central processing unit 360 has a currency denominated in which the standard data of the scanned image coincides with the standard currency, transmitting the denomination money to the user terminal 200;

If the central processing unit 360 does not have the currency denominated in which the standard data of the money coincides with the scanned image, the step of conveying the inputted banknotes and outputting the error code to the user terminal 200,

Determining whether the user of the bank has performed user authentication through the client program (230) of the user terminal (200) linked to the smart bank (100);

Requesting user registration if user authentication is not possible through the client program 230 of the user terminal 200 in cooperation with the smart bank 100;

Paying for the savings by visually and audibly transmitting event coupons or bonus points to the user terminal 200 whenever the user saves;

The user can use the user information registered in the user authentication unit 330 of the server 300 or the acquaintance information registered in the SNS server 500 to share the savings data with the users around the user, And outputting the savings rank of the savings-related items that can be objectively evaluated, such as the savings-related items, visually and audibly;

And a storage unit storing the smart money.

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