KR20160112234A - An ATM having operation fund forecasting function and the ATM operation fund management system using the same - Google Patents

An ATM having operation fund forecasting function and the ATM operation fund management system using the same Download PDF

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Publication number
KR20160112234A
KR20160112234A KR1020150037525A KR20150037525A KR20160112234A KR 20160112234 A KR20160112234 A KR 20160112234A KR 1020150037525 A KR1020150037525 A KR 1020150037525A KR 20150037525 A KR20150037525 A KR 20150037525A KR 20160112234 A KR20160112234 A KR 20160112234A
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KR
South Korea
Prior art keywords
funds
financial
atm
operating
management server
Prior art date
Application number
KR1020150037525A
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Korean (ko)
Inventor
장석원
김석한
Original Assignee
노틸러스효성 주식회사
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Priority to KR1020150037525A priority Critical patent/KR20160112234A/en
Publication of KR20160112234A publication Critical patent/KR20160112234A/en

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    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
    • G06Q40/02—Banking, e.g. interest calculation or account maintenance
    • G—PHYSICS
    • G07—CHECKING-DEVICES
    • G07F—COIN-FREED OR LIKE APPARATUS
    • G07F19/00—Complete banking systems; Coded card-freed arrangements adapted for dispensing or receiving monies or the like and posting such transactions to existing accounts, e.g. automatic teller machines
    • G07F19/20—Automatic teller machines [ATMs]
    • G07F19/211—Software architecture within ATMs or in relation to the ATM network

Abstract

The present invention relates to an automatic teller machine (ATM) including an operating fund prediction function and an operating fund management method of an ATM using the same. More specifically, each of individual ATMs includes an operating fund prediction method for calculating required operable funds by predicting the funds to be consumed in financial transactions and requests an ATM management server for the required operable funds based on the predicted consumption of funds calculated based on the financial transaction history individually stored therein. Accordingly, the ATM management server managing the multiple ATMs can reduce the load of calculating the operation fund to be charged to each of the individual ATMs and effectively prevent the overload thereof, reduce the cost by building a low-end management server, and enhance the prediction accuracy regarding the consumption funds required for each of the individual ATMs.

Description

FIELD OF THE INVENTION [0001] The present invention relates to an automated teller machine (ATM)

The present invention relates to a financial automation apparatus provided with a function of predicting operating funds and a system for operating a financial automation apparatus using the same. More particularly, the present invention relates to a system and a method for predicting funds required for financial transactions, The ATM management server is configured to request the ATM management server to send necessary cash on the basis of the predicted required funds calculated based on the financial transaction details stored in the respective individual financial automation devices, ATM management server that simultaneously manages automation devices reduces the burden of calculating the cash flow to be charged to each individual financial automation device effectively preventing the overload of the management server and reducing the cost by constructing the management server at low cost , Required funds for each individual financial automation equipment The two can be improved forecast accuracy operating cash forecasting capabilities include automatic teller machines and automatic teller machines using it relates to working capital management.

In general, an automated teller machine (ATM) is an automated device capable of supporting basic financial services such as deposits or withdrawals without regard to the time and place of the financial service, The user can directly perform the financial transaction such as the deposit or withdrawal of cash using the medium of the user.

Due to the advantages mentioned above, the installation location of the financial automation equipment has been widening widely, and nowadays, it is possible to find the financial automation equipment easily anywhere.

In such a banking automation apparatus, banknotes for financial transactions are stored in a banknote cassette provided therein, and the banknotes are received through the deposit / withdrawal portion during a financial transaction with a customer, or the banknotes stored in the banknote cassette are withdrawn. In the case of customers, many transactions of withdrawals are carried out rather than depositing. Therefore, the financial automatic machine management company predicts the funds required for the withdrawal of the financial automatic machine, and contacts the bank and / or the transport company to request funds.

FIG. 1 is a diagram showing a structure of a financial management apparatus operating funds management system according to the related art.

As shown in FIG. 1, a conventional automated teller machine operating money management system includes a plurality of automated teller machines 10 for performing financial transactions with customers; An ATM host server 20 connected to the plurality of financial automation devices 10 through a communication network and receiving and collecting information on fluctuation of the fluctuation generated in each financial transaction from the plurality of financial automation devices 10; And the ATM host server (20), receives the collected information, predicts the funds required for financial transactions with the customer for each of the automated teller machines based on the fluctuation information of the respective automated teller machines, And a money management server 30 for calculating the necessary funds to be drawn from the required funds.

That is, in the ATM management money management system, the ATM host server 20 receives and collects the fluctuation information generated from each of the financial automation devices 10 at each financial transaction, collects the collected fluctuation information, To the management server 30 so that the money management server 30 predicts the cash flows necessary for each of the financial automation devices 10 by using the past fluctuation information for each of the financial automation devices 10, An example of such a technique is disclosed in Korean Patent Laid-Open Publication No. 2007-1018696 entitled " Cash Management Server and Method for Managing Financial Automation Equipment Funds ".

However, in such a financial automation equipment operation money management system, the money management server that manages the financial automation equipment needs to estimate the funds required for each of a plurality of financial automation devices and calculate the required cash flow accordingly, so that a high- And there is a problem that the prediction time delay and the server are overloaded.

In this case, it is difficult to accurately grasp the status of each of the automated teller machines in real time. In this case, it is difficult to accurately identify the state of each of the automated teller machines in real time, It is difficult to respond promptly when there is a shortage or obstacle in the financial automation equipment and there is a problem that the accuracy of the required transportation funds for each financial automatic machine is poor.

Korean Unexamined Patent Publication No. 2007-1018696 (Published on November 13, 2007) "Cash management server and method for managing financial automation equipment operating funds"

SUMMARY OF THE INVENTION The present invention has been made in order to solve the problems as described above, and it is an object of the present invention to provide an operating money forecasting unit for predicting money needed for financial transactions in each individual financial automatic machine, In the ATM management server that simultaneously manages a plurality of financial automation devices, by constructing a request to the ATM management server based on the predicted required funds calculated based on the financial transaction details stored in the respective ATMs, It is possible to effectively prevent the overload of the management server by reducing the burden of individually calculating the funds to be charged in the management server and to reduce the cost by constructing the management server at low cost, Financial automation with operational forecasting capabilities that can be improved To provide an apparatus and an automatic teller machine using the same operating system, money management has its purpose.

According to another aspect of the present invention, there is provided a financial automation device configured to perform a financial transaction with a customer, and to store in the memory a current fluctuation information generated in performing a financial transaction with a customer, The automated teller machine is provided with an operating money forecasting unit for predicting the money required for financing transactions based on the fluctuation information stored in the memory unit of the financial automation equipment to calculate the required cash flow, And to request the bank and / or the transport company for the necessary transportation funds in accordance with a preset transportation schedule.

The automatic teller machine provided with the function of predicting the operating funds according to the present invention is configured to request the ATM management server for information on the required withdrawal funds by predicting the funds required by the financial transaction itself, The ATM management server reduces the burden of individually calculating the funds to be charged to each individual financial automation device, effectively preventing the overload of the management server, and reducing the cost by constructing the management server at low cost, It is possible to further improve the prediction accuracy of the required funds required for the automation equipment.

1 is a view showing a structure of a financial management apparatus operating funds management system according to the prior art;
FIG. 2 is a block diagram showing a schematic structure of a financial automatic machine having a function of predicting operating funds according to an embodiment of the present invention; FIG.
FIG. 3 is a view showing an example of a financial automation equipment operating money management system including a financial automation apparatus according to an embodiment of the present invention.

Hereinafter, the embodiments of the present invention will be described in detail, but the present invention is not limited to the following embodiments unless they depart from the gist of the present invention.

FIG. 2 is a block diagram showing a schematic structure of a financial automation apparatus provided with a function of predicting operating funds according to an embodiment of the present invention.

As shown in FIG. 2, the automated teller machine provided with the function of predicting the operating funds according to an embodiment of the present invention includes a customer's guest module 110 for performing a financial transaction according to a customer's information input; A banknote handling module 120 for processing banknotes deposited or withdrawn by a financial transaction with a customer; A communication module 130 for communication with the outside; A memory unit 140 for storing financial transaction information and discontinuity information generated according to a financial transaction with a customer; An operating fund estimator 150 for predicting funds to be used in accordance with a financial transaction through the infor- mation fluctuation information stored in the memory unit 140 and calculating the required funds to be dispensed; And a controller 160 for controlling the entire financial transaction process.

The automated teller machine according to an embodiment of the present invention includes an operating money forecasting unit for predicting funds to be used in the financial automatic machine through the past fluctuation information according to the financial transaction and calculating the required cash flow, It is possible to provide more accurate forecast information on the required funds for each individual automated teller machine by providing the information about the self funded fund predicted by the device itself, It is possible to effectively prevent the overload of the management server by reducing the burden of the management server to individually calculate the funds to be charged to each of the individual financial automation devices, Even with low-end management server, There is an advantage that can be built.

Hereinafter, a configuration of a financial automation apparatus provided with a function of predicting operating funds according to an embodiment of the present invention will be described in detail. In the financial automation apparatus 100, And a banknote handling module 120 for processing banknotes deposited or withdrawn by a financial transaction with a customer.

Here, the customer receptionist module 110 is provided on the front side of the automated teller machine 100 for financial transaction with a customer, and includes an input pad unit for inputting information of a customer, a display unit And an input / output unit for inputting a banknote deposited by the customer and for discharging the banknote to be withdrawn, and the like.

The banknote handling module 120 is provided inside the automatic teller machine 100, and includes a banknote discriminating part for discriminating banknotes to be deposited or withdrawn through banknote depositing and withdrawing parts and whether they are normal or not, A temporary storage section for temporary storage, a plurality of banknote cassettes for storing banknotes, and a transportation path for transporting banknotes to be deposited or withdrawn along a predetermined path.

In addition, the above-described automated teller machine 100 includes a communication module 130 for communication with the outside, a memory unit 140 for storing financial transaction information and real-time fluctuation information generated according to a financial transaction with a customer, And an operating capital estimating unit 150 for estimating the amount of funds to be spent according to the financial transaction through the in-service fluctuation information stored in the memory unit 140 and calculating the required cash flow.

The communication module 130 is configured to communicate with a management server and a bank server that manage the automated teller machine 100. [

When the customer performs the financial transaction through the financial automatic machine, the memory unit 140 stores the financial transaction details and the in-progress change information.

Here, the above-described in-progress information is information on the amount of money deposited and withdrawn at the time of the occurrence of a financial transaction of the automated teller machine 100, together with date and time information. The in-time variation information is stored in the memory 140 of the automated teller machine 100 And is transmitted to the bank server whenever necessary or when the fluctuation information occurs, and may be transmitted to the money management server 300 through the ATM host server 200 as shown in FIG. 3, which will be described later.

The operating capital forecasting unit 150 estimates the amount of money required for financing transactions with the client based on the past fluctuation information according to the operation of the automated teller machine 100, do.

Here, the required funds is an amount of withdrawal that is expected to occur in the automated teller machine 100 until the next cashing of the moving company, thereby preventing the insufficient balance of the automated teller machine 100, This is information that is predicted to prevent overloading of cash.

In addition, the cash proceeds can be requested to the bank and / or the transportation company from 100% to 120% of the estimated cash flow, as funds required for the automated teller machine 100, which is calculated based on the predicted required funds .

That is, the operating-fund estimating unit 150 estimates the amount of money to be withdrawn based on the stored data on the monthly, day-of-week, day-of-month, It is possible to predict the amount of money to be spent in the automated teller machine 100 until the next time of the next cash charge so as to predict an expected amount of money in the automatic teller machine 100, ), And requests the bank and / or the transport company for the necessary funds for transportation in accordance with the predetermined fixed transportation period.

Hereinafter, an example of a financial management device operating money management system including a financial automation device according to an embodiment of the present invention will be described.

FIG. 3 is a diagram illustrating an example of a financial management apparatus operation money management system including a financial automatic apparatus according to an embodiment of the present invention. Referring to FIG.

As shown in FIG. 3, the automated teller machine operation money management system according to the present embodiment includes a plurality of automatic teller machines 100 having an operation money forecast function; An ATM host server 200 connected to the plurality of automated teller machines 100 through a communication network and collecting required withdrawal funds information transmitted from the plurality of automated teller machines 100; And a money management server (200) which is connected to the ATM host server (200) and which receives the collected cash required information for each financial automation device from the ATM host server (200) and requests the bank and / 300). ≪ / RTI >

Each of the plurality of automated teller machines 100 is configured to include the operating funds predicting unit 150 as described above so that the automatic teller machine 100 itself can be provided with the self- Estimate the amount of funds needed for financial transactions, and calculate the required funds from the projected funds.

The ATM host server 200 transmits and receives data through the communication network with the plurality of the financial automation devices 100 and collects the required outgoing funds information transmitted from the plurality of the financial automation devices 100, (300).

That is, the ATM host server 200 collects the necessary cash dispenser information individually predicted by each of the financial automatic machines 100 and transmits the collected cash dispenser information to the cash management server 300 in real time, It is possible to precisely grasp the cash flow necessary for the individual automatic teller machine 100.

In addition, the ATM host server 200 receives real-time fluctuation information recorded at the time of occurrence of a financial transaction in each of the automated teller machines 100, collects the fluctuation information transmitted from each financial automatic apparatus 100, To the fund management server 300 every predetermined period.

That is, although the ATM host server 200 can transmit real-time fluctuation information received from a plurality of the financial automation devices 100 to the money management server 300 in real time, In the case where all of the provisional change information is transmitted to the fund management server 300 in real time, an overload may occur in the fund management server 300, so that the information transmitted from a plurality of the financial automation devices 100 is collected, To the fund management server 300 once.

In addition, the ATM host server 200 grasps the fluctuation information of each financial automation device, and when it is anticipated that there is a shortage of remaining funds in the specific financial automation device 100, The information on the shortage of the balance of the apparatus 100 is transmitted so that the corresponding automated teller machine can be quickly responded.

That is, when the remaining balance of the specific automated teller machine 100 falls below a predetermined standard amount, the automatic teller machine 100 notifies the fund management server 300 of the lack of balance through the ATM host server 200 Information can be transmitted in real time, and the money management server 300 can request a bank and / or a transferee to deliver money to the corresponding automated teller machine 100 in real time.

The money management server 300 is connected to the ATM host server 200 and receives the required funds for the plurality of the financial automatic devices 100 collected from the ATM host server 200, (100) to the bank and / or transportation company.

Herein, the money management server 300 requests the normal banking and / or transit company 100% to 120% of the estimated funds to be used in requesting the required funds to be dispatched from the respective automated teller machines 100 Can be requested.

Also, the money management server 300 may request the bank and / or the transporter to send the required funds to the banking automation apparatus 100, , And performs an optimization process of correcting the required cash flows requested by the respective automated teller machines (100) based on the overall change in the situation, and requests the bank and / or the transportation company to correct the required cash flows through the optimization process It is possible.

That is, in the money management server 300, the necessary funds information provided from each of the automated teller machines 100 is optimized in accordance with the actual operating conditions, reflecting the cash holding amount and the predetermined reserve ratio of the cash-carrying companies. The daily consumption amount and the specific daily consumption amount are calculated through the entire time change situation of the automatic teller machine 100 and the necessary dispensed money information transmitted from each financial automatic machine 100 is optimized according to the calculated average consumption amount can do.

As described above, when the operating money management system is configured using the financial automation equipment equipped with the operating funds forecasting function according to the present invention, a plurality of the financial automation apparatuses themselves predict information on the required funds and the required cash flows , The predicted information can be transmitted to the money management server in real time to provide more accurate prediction information about the required funds for each individual financial automation device and to provide a prediction function of the management server It is possible to prevent the load on the server and to construct a financial management apparatus operating financial management system through a server of a low-grade. Accordingly, as in the conventional financial management apparatus operating financial management system, Of the amount of cash required individually for the financial As have predicted, there is a high-end server can not resolve the problem that the demand is predicted time delay and the server overload.

Meanwhile, the above-described financial automation apparatus provided with the function of predicting the operating funds according to the present invention has a function of predicting the information on the required funds and the required cash flows, It is also advantageous for self-employed persons who operate several financial automation devices or small-scale financial automation equipment management companies.

As described above, the automated teller machine provided with the function of predicting the operating funds according to the present invention is configured to request the ATM management server to predict the funds required for financing transactions by itself and to request the ATM management server for the required funds, ATM management server that simultaneously manages financial automation devices reduces the burden of individually calculating the amount of cash to be charged to each individual financial automation device, effectively preventing the overload of the management server, and reducing the cost by constructing a low-cost management server At the same time, the prediction accuracy of the required funds required for each individual financial automation device can be further improved.

It will be apparent to those skilled in the art that various modifications and variations can be made in the present invention without departing from the spirit or scope of the invention as defined by the appended claims. .

100: Automatic teller machine 110: Customer reception module
120: banknote processing module 130: communication module
140: memory unit 150: operating fund predictor
160: control unit 200: ATM host server
300: Money management server

Claims (6)

1. A financial automatic machine configured to perform a financial transaction with a customer and to store information on fluctuation in a real time generated in performing a financial transaction with a customer in a memory,
In the automated teller machine,
And an operating money forecasting unit for calculating necessary funds for transportation based on the fluctuation information stored in the memory unit of the financial automatic machine,
Wherein the cash dispenser is configured to predict the cash flow required for the automated teller machine itself and to request the bank and / or the cash dispenser for the required cash flow at a preset dispensing period.
The method according to claim 1,
The operating-
Based on the stored data on the monthly, day-by-day, day-by-day, and specific day-to-day withdrawal / amount data obtained from the above-mentioned change in the activity data, the predicted value of the funds required by the automated teller machine is calculated until the next cash- And a function for predicting the operating funds is provided.
The method according to claim 1,
The automated teller machine includes:
And requests 100% to 120% of the predicted value to the bank and / or the transportation company.
The method according to claim 1,
The automated teller machine includes:
And when the remaining balance is less than or equal to a predetermined standard amount, the controller requests the bank and / or the transporter to send the required transaction funds in real time.
A system for operating an automated teller machine, comprising:
A plurality of financial automation devices provided with a function of predicting the operating funds;
An ATM host server connected to the plurality of financial automation devices through a communication network and collecting necessary funds transfer information transmitted from the plurality of financial automation devices; And
A money management server which is connected to the ATM host server and which receives the collected cash required information by the collected ATM devices from the ATM host server and requests the bank and /
And an operating cash management system for operating the financial automation equipment.
6. The method of claim 5,
Wherein the money management server comprises:
Performing an optimization process of correcting the demanded demanded funds in each of the financial automation devices based on the entire fluctuation situation in consideration of the entire fluctuation situation of the plurality of financial automation devices,
And requests the bank and / or the transporter to transfer the corrected cash flow through the optimization process.
KR1020150037525A 2015-03-18 2015-03-18 An ATM having operation fund forecasting function and the ATM operation fund management system using the same KR20160112234A (en)

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