KR20170040676A - Financial terminal and method for providing loan service - Google Patents

Abstract

The present invention relates to a financial terminal and a loan service providing method using the same. The loan service providing method includes: a step of obtaining first authentication information from a user for the authentication of the user; a step of processing the authentication using the first authentication information; a step of receiving account information, which includes a loanable account list and a loanable amount for each account, from a financial company server if the authentication succeeds; a step of displaying the account information on a screen; a step of receiving loan application information, which includes security account selection information and a loan application amount, from the user; a step of transmitting the loan application information to the financial company server; and a step of displaying the entire confirmation text for the completion of the loan as the loan is approved by the financial company server. As such, the present invention is capable of improving the security of the financial terminal by improving an authentication method of the financial terminal.

Description

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

Embodiments relate to a financial terminal and a method of providing a loan service using the same, and more particularly, to a financial terminal providing a deposit money lending service and a method of providing a deposit money loan service using the same.

In accordance with the rapid development of information and communication technology, a variety of financial services are provided using financial terminals such as a cash dispenser (CD) and an automatic teller machine (ATM). Such financial terminals are installed at each branch of a financial institution or at a place provided in a position affiliated with a financial institution.

A financial terminal is a device that assists a user to use a financial service such as a deposit or withdrawal without a financial institution employee. The user uses a medium such as a card or a passbook to withdraw cash and a check through a financial terminal, Of financial transactions.

On the other hand, a user using such a financial terminal can use the financial service through non-face-based self-certification. Therefore, the user has a problem that some financial services, for example, loan services that require face-to-face authentication are not available through the financial terminal among the financial services provided through financial service staffs at the bank window.

Embodiments provide a method of providing a loan service to support a loan service through a financial terminal without having to visit a bank window directly, and a financial server for performing the method.

According to another aspect of the present invention, there is provided a method of providing a loan service of a financial terminal, the method comprising: acquiring first authentication information for authenticating the user from a user; performing authentication processing using the first authentication information; The method comprising the steps of: receiving, from the financial company server, account information including a list of accounts capable of secured lending and a loanable amount of each account, displaying the account information on the screen, And transmitting the loan application information to the financial company server; and displaying the loan completion confirmation message upon approval of the loan from the financial company server, have.

According to another aspect of the present invention, there is provided a method of providing a loan service for a financial terminal, comprising: obtaining first authentication information for authenticating the user from a user;

Performing authentication processing using the first authentication information,

If the authentication of the user is successful, receiving a deposit guarantee loan description including an account list with a secured loan from a financial company server, displaying an account selection screen including the account list, displaying the account selection information and the postponement date And transmitting the loan extension application information to the financial company server, and displaying the loan extension completion confirmation message upon approval of loan extension from the financial company server .

Further, a financial terminal according to an embodiment includes a display unit, a communication unit for communicating with a financial company server, authentication information acquiring means for acquiring first authentication information from a user, authentication processing using the first authentication information, And if the user authentication is successful, receives loan application information including the security account selection information and the loan application amount from the user, transmits the loan application information to the financial company server, and upon approval of the loan from the financial company server, And a control unit displaying the loan completion confirmation message received from the financial company server on the display unit.

According to the embodiments, it is possible to improve the security of the financial terminal by improving the authentication method in the financial terminal and to provide the loan service using the financial terminal.

Further, according to at least one of the embodiments, there is an advantage that it can be easily grasped that the account is issued from the financial terminal.

Additional ranges of applicability of the embodiments will be apparent from the following detailed description. It should be understood, however, that the detailed description and specific examples, such as the preferred embodiments of the invention, are given by way of illustration only, since various changes and modifications within the spirit and scope of the embodiments will be apparent to those skilled in the art.

1 is an exemplary diagram illustrating a financial terminal according to an embodiment and a financial service system including the same.
2 is a block diagram schematically illustrating the financial service system of FIG.
3 is a block diagram schematically illustrating a financial terminal according to an embodiment.
FIG. 4 is a conceptual diagram of an example of a financial terminal according to an embodiment, viewed from one direction.
5 is an exemplary view showing a transaction work screen displayed by the financial terminal according to the embodiment.
6 is a flowchart schematically illustrating a method of providing financial services by a financial terminal according to an embodiment.
FIG. 7 is a flowchart showing a step of selecting an authentication method included in the authentication step of FIG. 6, and FIG. 8 is an exemplary view showing a screen displayed on a financial terminal for selecting the authentication method of FIG.
FIG. 9 is a flowchart specifically illustrating an authentication method according to the first aspect of the embodiment, and FIG. 10 is a flowchart specifically showing an authentication method according to the second aspect of the embodiment.
11A and 11B are flowcharts showing a method of providing a new loan service according to the embodiment.
12 to 19 are diagrams showing examples of screens of a financial terminal for providing a new loan service according to the embodiment.
20 is a flowchart showing a loan extension service method according to the embodiment.
FIGS. 21 to 23 illustrate examples of screens of a financial terminal for providing a loan extension service according to the embodiment.

Hereinafter, embodiments of the present invention will be described in detail with reference to the accompanying drawings, wherein like or similar elements are denoted by the same or similar reference numerals, and redundant description thereof will be omitted. The suffix "module" and " part "for the components used in the following description are given or mixed in consideration of ease of specification, and do not have their own meaning or role. In the following description of the embodiments of the present invention, a detailed description of related arts will be omitted when it is determined that the gist of the embodiments disclosed herein may be blurred. It is to be understood that both the foregoing general description and the following detailed description are exemplary and explanatory and are intended to provide further explanation of the invention as claimed. , ≪ / RTI > equivalents, and alternatives.

Terms including ordinals such as first, second, etc. may be used to describe various elements, but the elements are not limited by terms. Terms are used only for the purpose of distinguishing one component from another.

It is to be understood that when an element is referred to as being "connected" or "connected" to another element, it may be directly connected or connected to the other element, . On the other hand, when an element is referred to as being "directly connected" or "directly connected" to another element, it should be understood that there are no other elements in between.

The singular expressions include plural expressions unless the context clearly dictates otherwise.

In the present application, the terms "comprises", "having", and the like are used to specify that a feature, a number, a step, an operation, an element, a component, But do not preclude the presence or addition of one or more other features, integers, steps, operations, elements, components, or combinations thereof.

FIG. 1 is an exemplary diagram for explaining a financial terminal according to an embodiment and a financial service system including the same. FIG. 2 is a block diagram schematically illustrating the financial service system of FIG.

The financial service system of FIG. 1 includes a financial server 100, a financial institution system 200, a financial company server 100, and a financial institution server 100 that perform a predetermined financial transaction procedure requested from a financial transaction medium in cooperation with at least one financial transaction medium. (For example, a cash dispenser / cash dispenser (CD / ATM) and a kiosk) connected via a financial network 32 (for example, an on-line network) An Internet banking system using a client terminal 10, 11, 12 (for example, a desktop computer, a notebook computer, a smart phone, etc.) connected to the Internet, and a public switched telephone network (PSTN) 11 and 12, and a telephone banking system using an ARS (Automatic Response Service). Each financial transaction medium includes at least one financial transaction system, The.

First, the financial institution system 200 may be provided with a financial institution to open at least one financial account for a financial transaction customer and to provide financial services based on the financial account.

2, the financial institution system 200 may include an external system 220, an accounting system 230, an information system 240, a DBMS 210, and an interface module 250 have. The components shown in FIG. 2 are not essential for implementing the financial institution system 200, so that the financial institution system 200 described herein may have more or fewer components than those listed above have.

More specifically, the large-scale entity 220 among the above-mentioned components can be connected between the financial institution system 200 and the financial institution server 100, between the financial institution system 200 and at least one other financial institution system 200 Access to the financial institution system 200 in at least one non-face financial transaction means (e.g., Internet banking, telephone banking, etc.) provided in the interconnection or at least one external communication network, or at least one public network For example, CD public network, financial public network).

The account system 230 may process a credit transaction that occurs in at least one branch (or window), or a window transaction such as a receipt or trust or foreign exchange.

The information system 240 can process the task of the headquarters, support the branch information, and manage customer information.

The DBMS 210 may store at least one piece of information required to perform each function in the components of the financial institution system 200 to store and manage predetermined information (e.g., ledger information, customer information, product information, management information, Lt; / RTI > database.

The interface module 250 may include a middleware platform that provides interfacing between components within the financial institution system 200.

According to an embodiment, the financial institution system 200 may be designed to have a design intent or a purpose of each financial institution (e.g., a commercial bank, a savings bank, a trust bank) and a financial institution system 200 in which the financial institution system 200 is provided It is possible to further include at least one component such as a foreign exchange module (not shown), an investment banking module (not shown), an international financial module (not shown), and the like, Those skilled in the art will be familiar with the detailed technical details of the financial institution system 200, so that detailed description thereof will be omitted for the sake of convenience, and the present invention is not limited thereto.

According to the embodiment, the financial institution system 200 provided in a financial institution is connected to at least one window terminal provided at a branch (or branch office) of a financial institution through a predetermined financial network (for example, an on-net) And provides a face-to-face financial service for at least one financial transaction customer through a window terminal.

The financial institution system 200 may also include at least one financial terminal 300 including a CD / ATM / kiosk provided at a branch (or branch) of a financial institution, or at least one other financial institution affiliated with the financial institution At least one financial terminal 300 provided at a branch office of another financial institution or at least one financial terminal 300 provided at a public place through a predetermined financial network (for example, a CD shared network) have. The financial institution system 200 provides a non-face-to-face financial service for at least one financial transaction customer through the financial terminal 300.

The financial institution system 200 may be connected to the Internet banking server 20 and the telephone banking server 22 through a predetermined interface means 30. The Internet banking server 20 and the telephone banking server 22 may be connected to at least one client terminal 10, 11, 12 or a wire telephone through a communication network. Accordingly, the financial institution system 200 provides the non-face-to-face financial service to at least one financial transaction customer through the Internet banking server 20 and the tele banking server 22. [

Here, the communication network may be a network (e.g., a wired Internet, an IEEE 802.11x based wireless LAN, or an IEEE 802.16x based portable Internet) connected to a TCP / IP based backbone network, (E.g., a PSTN (Code Division Multiple Access) based mobile communication network, an IEEE 802.16x based portable Internet, or a DataTAC / Mobitex based wireless data communication network), a predetermined wired voice communication network (E. G., A telephone), or some wireless voice communication network (e. G., A CDMA based mobile communication network)

The client terminals 10, 11, and 12 may be a personal computer (PC) or a notebook computer having a wired Internet connection and a browsing function, a notebook or portable terminal having a wireless LAN / portable Internet access and browsing function, A Personal Communication System (PCS), a Global System for Mobile (GSM) terminal, a PDA (Personal Digital Assistant), a smart phone, or telematics.

According to the embodiment, the financial institution provided with the financial institution system 200 is provided with a predetermined financial account such as a commercial bank, a savings bank, a securities company, and the like, and a predetermined electronic passbook, a cash card, It is desirable to include all financial institutions that can issue such financial information, and it is not limited to specific financial institutions.

In addition, the predetermined interface means 30 may include a predetermined financial network that is closed from the outside.

In addition, the DBMS 210 includes a ledger D / B 211, a management information D / B 212, and a customer information D / B 213.

First, the ledger information provided in the ledger D / B 211 may include at least one information associated with a predetermined customer ledger, a ledger associated with the customer ledger, and an account ledger. The general ledger D / B 211 provided in the DBMS 210 on the financial institution system 200 may have at least one ledger (for example, It is to be understood that the present invention further includes at least one additional information for maintaining and managing the receivers, receivers, lenders, collateral directors, etc.) or directors, and will be familiar with the detailed technical details thereof For the sake of simplicity.

The Customer Ledger is composed of Customer Information File (CIF) number, country code, contact person ID, branch number, customer classification, customer name, customer address, area code, telephone number, business number, business name, classification code, expiry date, TRW, DB, Usage, Parent Company Number, Account Date, Cash Available Date, Last Name, Resident Registration Number, Company Address, Company Phone Number, Mailing Location, Account Number, President, Industry, Legal Representative. And includes at least one of the following: a name of a state, a name of a state, a transmission, a sex, a resident, a job, a postal address, a company name, a guardian name, a guardian telephone number, , And the customer ledger includes ledger information for a customer including at least one of an individual customer, an enterprise customer, and a minor. Those skilled in the art will clearly understand the contents and characteristics of the information contained in the customer ledger, so that a detailed description thereof will be omitted for the sake of convenience.

The account ledger is linked to the customer ledger in a relational manner and is a ledger corresponding to the financial account. The ledger corresponds to the account number (or the security number), CIF number, point number, currency, date of opening, status, The amount of time extension, the amount of time extension, the ARS setting, the final payment date, the final payment date, the final payment amount, the final withdrawal amount, the transaction amount without transaction (Number of days), period (number of months) corresponding to the account ledger, period (number of days), period of interest Periodic receipt information including at least one of the number of days (the number of days), the period extension, the expiration date and the target amount, the account number corresponding to the account ledger, the trust receipt information including at least one of the deposit amount, face amount, A transaction that includes at least one of an account number corresponding to the ledger, a transaction number, a date, a point number, a product type, a transaction type, a current amount, a RBO, a batch number, a complex transaction, And history information. In addition, the account ledger may further include depository mortgage information. The mortgage loan information includes an account list, a loan limit corresponding to each account, a loan registration account number, a loan account, a secured account number, a loan application amount, a loan interest rate, a deposit account number, a delayed repayment rate, an interest rate, A fee, a method of executing a loan, a repayment method, a method of paying interest, and a reimbursement fee. Those skilled in the art will clearly understand the contents and features of the information included in the account ledger and the additional information configuration, and therefore, a detailed description thereof will be omitted for the sake of convenience.

Next, the customer information provided in the customer information D / B 213 includes customer's personal information (e.g., customer's name, resident registration number, address, telephone number, mobile phone number, (For example, member ID information or CIF number provided in the customer ledger provided on the financial institution system 200 in response to the customer by joining the customer as a financial transaction customer of the financial institution) .

The financial institution system 200 is connected to a financial transaction medium such as the window terminal 400, the financial terminal 300 and the client terminals 10, 11 and 12 through the financial company server 100 to provide a financial service to the user can do.

The financial company server 100 may include a control unit 120 including a communication unit 110, a validity checking unit 121, an electronic document generating unit 122, and an electronic document transmitting unit 123. The components shown in FIG. 2 are not essential for implementing the financial company server 100, so that the financial company server 100 described herein can have more or fewer components than the components listed above have.

The communication unit 110 may transmit and receive information through the communication channels 30 and 32 corresponding to the window terminal 400, the financial terminal 300 or the Internet banking server 20 and the telephone banking server 22. The communication unit 110 communicates with the window terminal 400, the financial terminal 300 or the Internet banking server 20 and the telephone banking server 22 based on the protocol stack defined in the financial network, And provides a communication interface for transmitting and receiving one or more information (or data) using a communication protocol defined in a financial transaction related program provided in each financial transaction medium.

Accordingly, the financial company server 100 can receive data created or input by a user or a financial staff member through the communication unit 110. The financial company server 100 also transmits information stored in the DBMS 210 of the financial institution system 200 to the counter terminal 400, the financial terminal 300 or the Internet banking server 20 and the telephone banking server 22 Lt; / RTI >

For example, the financial company server 100 receives the electronic document, the image content obtained from the financial transaction medium, the biometric information, the account opening request information, the financial service new registration request information, the card issuing request information, Information about the customer ledger stored in the storage unit 200, information about the account ledger, at least one information associated with the account ledger, customer information, and the like.

Next, the control unit 120 may control the overall operation of the financial service server 100 for providing financial services. The control unit 120 may perform functions corresponding to the financial service provided by the financial service server 100 in addition to the validity confirmation unit 121, the electronic document generation unit 122 and the electronic document transmission unit 123 described below And may further include a unit for performing the operation.

The validity checking unit 121 can check whether the validity of the data received through the communication unit 110 is satisfied, and authenticate the validity of the received data. Data whose validity is not authenticated by the validity checking unit 121 can be discarded.

Specifically, the validity checking unit 121 can check the watermark of the received electronic document, the issuer of the electronic document, the validity period of the electronic document, and the like. Alternatively, the validity checking unit 121 may check the validity of the billing information by the external server 600, for example, the billing server 602 or EBPP (Electronic Bill Presentment & Payment) server 604, It is also possible to check whether the information on the payment of paper money is valid.

The validity checking unit 121 may authenticate the validity of the data created or inputted by the user or the financial staff. For example, the validity of the data associated with the user information can be authenticated by determining whether the user information entered by the user through the financial transaction medium matches the customer information stored in the financial institution system 200.

The validity checking unit 121 can also verify the validity of the biometric information received from the authentication server 700. [ For example, when the authentication server 700 is provided externally, the validity checking unit 121 can check validity of validity period of biometric information, validity period of biometric information, and the like.

The electronic document generation unit 122 can generate an electronic document corresponding to the data whose validity is validated by the validity confirmation unit 121. [ The electronic document transmission unit 123 may transmit the generated electronic document to the electronic document server 500 associated with the financial institution system 200. [

For example, when the data input through the financial transaction medium is validated, the electronic document generation unit 122 may generate image contents including the input data in a watermarking manner. Alternatively, the electronic document generating unit 122 may generate at least one of a predetermined document file (e.g., a PDF (Portable Document Format) file or an EDI (Electronic Data Interchange) file or an HWP / Or a web document file including MHT), and the like.

Those skilled in the art will appreciate that the electronic document generation unit 122 may be configured to include an image file format and a technical feature for generating an electronic document of a predetermined document file format and an image file corresponding to the electronic document, Since the technical characteristics of the file format for the file are known, a detailed description thereof will be omitted for the sake of convenience.

The electronic document transmission unit 123 may transmit the electronic document generated by the electronic document generation unit 122 to a predetermined electronic document server 500 associated with the financial institution system 200. [ When the electronic document server 500 is provided outside the financial company server 100, the electronic document transmission unit 123 transmits the electronic document generated by the electronic document generation unit 122 to the electronic document server 500). The electronic document server 500 may include an electronic document D / B 510.

The control unit 120 processes or processes signals, data, information, etc. input or output through the above-mentioned components, thereby providing or processing appropriate information or functions to the user of the financial transaction medium.

At least some of the above components may operate in cooperation with one another to implement the operation, control, or control method of the financial service server 100 according to the various embodiments described below.

On the other hand, the authentication server 700 includes the biometric information D / B 710 and may be provided inside or outside the financial company server 100. The biometric information D / B 710 may store biometric information, biometric information, and corresponding customer information.

Hereinafter, the financial terminal 300 and the administrator terminals 400 and 402 and the financial service system according to the embodiment will be described in detail with reference to FIG.

The financial terminal 300 is provided at a branch office (or branch office) of a financial institution and may be connected to the financial company server 100 or the financial institution system 200 through a predetermined financial network 32. For example, at least one financial terminal 300 may be installed at each of the first and second points of the financial institution. Each of the financial terminals 300 may be connected to the financial company server 100 through a predetermined financial network.

Meanwhile, the administrator terminals 400 and 402 may be provided at a branch of a financial institution or may be separately provided at an external location of a financial institution. The administrator terminals 400 and 402 provided outside may be connected to the financial terminal 300, the financial company server 100, or the financial institution system 200 through the predetermined financial network 32. The administrator terminal 400 provided inside the branch office can be connected to the at least one financial terminal 300 provided at the corresponding branch office through the internal communication network and can be connected to the financial terminal 300 at each branch through the predetermined financial network 32. [ , The financial company server 100 or the financial institution system 200. [

The financial institution employee can use the manager terminal 400 or 402 to provide financial services to the users of the financial terminals 300. [ The administrator terminals 400 and 402 can process information received from financial terminals 300 through a predetermined financial network 32 or an internal communication network at a branch office. For example, the administrator terminals 400 and 402 include a communication unit connected to a predetermined financial network 32 or an internal communication network at a branch office to transmit and receive information, (Eg, a display unit and an acoustical output unit) for outputting data from the memory unit 402, a memory unit, a communication unit, an output unit, and a memory unit. Using this information, the financial staff can provide appropriate financial services to the financial terminal 300 according to the information output to the window terminal 400. In addition, the administrator terminal provided in the branch office may include the window terminal 400.

Next, the financial terminal 300 according to the embodiment will be described in detail with reference to FIGS. 3 and 4. FIG.

FIG. 3 is a block diagram illustrating a financial terminal 300 according to an embodiment of the present invention. FIG. 4 is a conceptual diagram illustrating one example of a financial terminal according to an embodiment.

The financial terminal 300 includes a sensor unit 310, an input unit 320, a card reader unit 330, a cash input / output unit 331, a check input / output unit 332, a passbook input / output unit 333, A communication unit 340, a memory unit 350, an output unit 360, a short range wireless communication unit 370, and a control unit 380. The components shown in FIG. 3 are not essential for implementing the financial terminal 300, so that the financial terminal 300 described herein can have more or fewer components than the components listed above have.

More specifically, the sensor unit 310 may include at least one sensor for sensing at least one of the user information and the surrounding information surrounding the financial terminal 300. For example, the sensor unit 310 may include a vein sensor 311, a finger scan sensor 312, a face recognition sensor (e.g., a camera 321) An eye recognition sensor 313 (e.g., an iris scanner, a retina scanner, etc.) and a proximity sensor 314, an infrared sensor (IR sensor) And may include at least one of a sensor (e.g., a barometer, a hygrometer, a thermometer, a radiation sensing sensor, a heat sensing sensor, a gas sensing sensor, etc.), a touch sensor, and an illumination sensor. Meanwhile, the financial terminal 300 disclosed in this specification can combine and utilize information sensed by at least two of the sensors.

The input unit 320 includes a camera 321 or an image input unit 320 for inputting an image signal, a microphone 322 for inputting an audio signal or an audio input unit 320, a user input unit 320 for inputting information from a user, A scanner 324 that scans the contents disposed on the sensor, such as a touch pad 323 (e.g., a touch key, a mechanical key, etc.), an identification card, a barcode, a fingerprint, a check, scanner. The scanner 324 may be configured separately depending on the contents to be scanned.

For example, the scanner 324 includes an ID card scanner 324a for scanning an ID card, a barcode scanner 324b for scanning a barcode and a QR code, and a cash input / output unit 331. The scanner 324 includes a cash scanner for scanning cash, By the configuration of the input / output unit 332, the check scanner and the fingerprint recognition sensor 312 that scan the check scan the fingerprint of the passbook or the like with the fingerprint scanner and the passbook input / output unit 333 that scan the fingerprint A passbook scanner, and a document scanner for inputting various kinds of proof documents required for providing financial services, and the like.

The voice data or image data collected by the input unit 320 may be analyzed and processed as a user's control command or user information.

The card reader 330 may provide an interface between the card and the financial terminal 300 to read at least one piece of information or data on the card for at least one financial transaction. The card reader unit 330 includes an MS reader unit for interfacing a MS (Magnetic Stripe) card with the financial terminal 300, a contact IC reader unit for interfacing a contact IC (Integrated Circuit) card with the financial terminal 300, And a non-contact type IC reader unit for interfacing the IC card with the financial terminal 300.

The MS reader unit may include at least one magnetic head including a predetermined coil, and an MS card in which predetermined information (e.g., magnetized binary information) is recorded may be in close contact with the magnetic head (Or the magnetic head moves in close contact with the MS card in which the predetermined information is recorded) by loading a predetermined electrical signal in the magnetic head, And to interface predetermined information or data from the track (Track) to the financial terminal (300).

The contact type IC reader unit may include at least one contact point which is in electrical contact with a COB (Chip On Board) provided in the contact type IC card, And interfuses predetermined information or data from the IC chip to the financial terminal 300 through the half-duplex transaction using an APDU (Application Protocol Data Unit).

The noncontact IC reader unit may include at least one antenna that makes electrical contact with a noncontact IC card by using capacitive coupling or an inductive coupling, Chip, and interfacing predetermined information or data from the IC chip to the financial terminal 300 through the half-duplex transaction using the APDU.

The cash input / output unit 331 deposits a cash that the user desires to input into the financial terminal 300, or when a predetermined cash payment order (or a cash payment approval result) is received from the user as a financial transaction result, (Or the cash requested by the user for withdrawal) corresponding to the payment result (or the result of approval of the cash payment).

The check input / output unit 332 deposits a check that the user desires to input into the financial terminal 300, or when a predetermined check payment instruction (or a check payment approval result) is received from the financial transaction result user, (Or a check requested by the user for withdrawal) corresponding to the check result (or the result of the check payment approval).

 The cash input / output unit 331 and the check input / output unit 332 may include the scanner 324, respectively, to thereby acquire image data of cash and checks input to the financial terminal 300.

The passbook entry / exit unit 333 inserts a passbook and can discharge the passbook to the outside of the financial terminal 300 when the process of printing the inserted passbook is completed. The passbook entry / exit unit 333 can read the magnetic stripe provided on the passbook or print the account information or the deposit amount information on the passbook. In addition, the passbook entry / exit unit 333 may be provided with an IC chip or the like in addition to the magnet provided on the passbook to recognize the passbook.

The control unit 380 provides the passbook unique information stored in the magnet provided on the passbook read through the passbook entry / exit unit 333 to the control unit 380 and the control unit 380, which receives the data to be printed from the financial company server 100, And provides it to the passbook input / output unit 333, the passbook input / output unit 333 can process the passbook usage history of the passbook.

In addition, the passbook entry / exit unit 333 can print a new passbook in accordance with the passbook issuance process in the control unit 380. [ For example, the passbook entry / exit unit 333 processes the cover sheet, the signature page, and the passbook number, the re-issuance information, the account information, the deposit amount information, and the passbook usage details of the unexported passbook stored in the financial terminal 300 can do. Then, the passbook entry / exit unit 333 can discharge the processed passbook to the outside of the financial terminal 300. [

The card ejection unit 334 issues the MS card, the contact type IC card, and the contactless type IC card, and can release it to the user. For example, the card releasing unit 334 stores various financial information including card information on at least one track included in the MS of the MS card, and stores the card number and the like in a direct thermal manner on the front or rear surface of the card It can be transcribed in the form of text or images. The card discharger 334 can discharge the card containing the financial information to the outside of the financial terminal 300.

In addition, the card emitter 334 may emit a secure medium, e.g., an OTP (One Time Password) generator, a secure card, stored within the financial terminal 300. In addition, when the card ejecting unit 334 ejects the security medium, it can detect the serial number of the secure medium to be ejected. For example, the card ejector 334 may include a scanner 324 to scan the secure media in the course of being ejected to obtain an image of the secure media. Then, the serial number of the secure medium can be extracted from the secure medium image through character recognition.

The ID card scanner 324a, the card reader 330, and the card ejector 334 may be configured as one input / output device. (ID card) conforming to the same standard, a check card, a credit card, a card-type OTP token, a security card, and a security card by a single ID card scanner 324a, a card reader 330, A card or the like can be scanned and read.

The printer unit 335 can print out the necessary documents for providing financial services on a printing paper (for example, printer paper, plotter paper, and roll paper of various sizes) and output. For example, the printer unit 335 can print a document for requesting a new financial service subscription on A4 paper and output it. Further, the printer unit 335 can print out the specification sheet according to the financial transaction on the roll paper and output it.

The printer unit 335 may be any one of a roll paper printing apparatus, a dot printer unit, a color pin dot matrix printer unit, an ultra-fast drying type laser printer unit, and an ink jet passbook printer unit, And may be various known printing apparatuses or means that can be performed.

The communication unit 340 can communicate with the financial company server 100 via a predetermined financial network 32. [ The communication unit 340 can communicate with the other financial terminal 300 or the administrator terminal 400 or 402 through the internal communication network at the installed point.

The communication unit 340 may transmit and receive information through a communication channel corresponding to the window terminal, the financial terminal 300, or the financial company server 100. The communication unit 340 connects a predetermined communication channel to the window terminal, the financial terminal 300 or the financial company server 100 based on the protocol stack defined in the financial network, (Or data) transmission / reception using the communication protocol defined in < RTI ID = 0.0 > U. < / RTI >

Next, the memory unit 350 stores at least one financial transaction processing information for financing transaction processing, predetermined financial transaction details information after financing transaction, a scanner 324 included in the financial terminal 300, Image data scanned through the card, secure media storage information, and the like.

In addition, the memory unit 350 stores data supporting various functions of the financial terminal 300. The memory unit 350 may store a plurality of application programs executed by the financial terminal 300, data for operation of the financial terminal 300, and commands. At least a part of such application programs can be downloaded from the external financial institution server 100 through the communication unit 340. [ The application program may be stored in the memory unit 350 and may be installed on the financial terminal 300 and may be operated by the control unit 380 to perform the operation (or function) of the financial terminal 300.

The memory unit 350 may be a flash memory type, a hard disk type, a solid state disk type, an SDD type (Silicon Disk Drive type), a multimedia card micro type a random access memory (RAM), a static random access memory (SRAM), a read-only memory (ROM), an electrically erasable programmable memory (EEPROM) read-only memory (ROM), programmable read-only memory (PROM), magnetic memory, magnetic disk, and optical disk.

The output unit 360 may include a display unit 361, an acoustic output unit 364, and a haptic module 365 for generating an output related to visual, auditory or tactile sense.

The display unit 361 displays (outputs) information to be processed in the financial terminal 300. For example, the display unit 361 can display UI (User Interface) and GUI (Graphic User Interface) information according to execution screen information of an application program driven by the financial terminal 300 .

The display unit 361 may have a mutual layer structure with the touch sensor or may be integrally formed to realize a touch screen. When a touch is made to the display unit 361, the touch sensor senses the touch, and the control unit 380 generates a control command corresponding to the touch based on the touch. The content input by the touch method may be a letter or a number, an instruction in various modes, a menu item which can be designated, and the like.

Such a touch screen may provide an input interface between the financial terminal 300 and the user and may provide an output interface between the financial terminal 300 and the user.

The display unit 361 may be a liquid crystal display (LCD), a thin film transistor-liquid crystal display (TFT LCD), an organic light-emitting diode (OLED) a flexible display, a 3D display, and an e-ink display.

In addition, the display unit 361 may exist in two or more depending on the embodiment of the financial terminal 300. [ In this case, the plurality of display units 361 may be spaced apart from one another on the one side of the financial terminal 300, or they may be arranged on different sides.

The display unit 361 is configured to be divided into a first display unit 362 and a second display unit 363. The first display unit 362 and the second display unit 363 may provide an input interface or an output interface to the user, respectively, depending on the installed position.

An image of a financial staff member who is photographed by a camera of the administrator terminal 400 or 402 is displayed on the first display unit 362 of the financial terminal 300 and a second display unit 363 of the financial terminal 300 displays A keyboard, a keypad, or the like may be displayed. Accordingly, the user can consult the financial staff member displayed on the first display unit 362 with an image. In addition, the user can respond to the inquiries transmitted through the sound output unit 364 by using the second display unit 363 or the microphone 322.

The sound output unit 364 also outputs an acoustic signal related to a function performed in the financial terminal 300 (for example, a video consultation with a bank employee, etc.). The audio output unit 364 may include a receiver, a speaker, a buzzer, and the like.

The haptic module 365 (haptic module) generates various tactile effects that the user can feel. A typical example of the haptic effect generated by the haptic module 365 may be vibration. The intensity and pattern of the vibration generated in the haptic module 365 can be controlled by the setting of the user's selection or control unit 380. For example, the haptic module 365 may combine and output different vibrations or sequentially output the vibrations.

The short range wireless communication unit 370 is for short range communication and uses at least one of RFID (Radio Frequency Identification), Infrared Data Association (IrDA), and NFC (Near Field Communication) Communication can be supported. For example, the short range wireless communication unit 370 may read a device including an RFID tag included in a user of the financial terminal 300 and read information stored in the device.

The control unit 380 can control the overall operation of the financial terminal 300 and manage the flow of information or data between the respective elements based on the functional structure. The control unit 380 includes at least one processor including a CPU (Central Processing Unit) / MPU (Micro Processing Unit), an execution memory (for example, a register) and a bus BUS ) And at least one or more electronic circuits (or integrated circuits) therefor.

The control unit 380 may also be configured to load from the predetermined recording medium (for example, the memory unit 350) provided in the financial terminal 300 to the execution memory in order to perform a software- And a predetermined program routine and / or program data that are processed by the processor.

In particular, the control unit 380 includes a predetermined operating system and / or a terminal control program routine for managing the financial terminal 300 after the financial terminal 300 is booted by software.

The control unit 380 may process or process signals, data, information or the like inputted or outputted through the above-mentioned components, or may drive an application program stored in the memory unit 350 to provide or process appropriate information or functions to the user .

In addition, the control unit 380 may control at least some of the above components in order to drive an application program stored in the memory unit 350. Further, the control unit 380 may operate at least two or more of the components included in the financial terminal 300 in combination with each other for driving the application program.

Hereinafter, at least one program constituting unit included in the financial terminal 300 will be described in the control unit 380 for convenience.

The control unit 380 may include a user authentication unit 381, a professional generation unit 382, and a professional processing unit 383.

The user authentication unit 381 can process the user authentication of the user using the financial terminal 300. [ The user authentication unit 381 receives user biometric information (e.g., vein distribution pattern, iris pattern, retina pattern, fingerprint pattern, etc.) input from the sensor unit 310 or the camera 321, It is possible to compare the received biometric information and to process the user's identity authentication.

The user authentication unit 381 transmits the ID image of the user scanned by the scanner 324 and the user face image photographed by the camera 321 to the administrator terminals 400 and 402, The authentication of the user can be completed.

The user authentication unit 381 may be provided in the financial terminal 300 as a configuration for authenticating that the user using the financial terminal 300 is the principal and receiving financial services.

The user authentication unit 381 transmits the authentication number to the client terminal 10, 11, 12 (for example, a mobile terminal, etc.) of the user and is matched with the number input to the financial terminal 300 An authentication method for verifying the stored customer information and the scanned ID information, and an authentication method using the biometric information, or may be implemented to perform authentication of the principal by a combination of these.

The professional generating unit 382 can generate an electronic document for financial transaction based on account information and card information, and for providing a financial service based on personal authentication.

For example, the specialized generator 382 may generate an electronic form of information in which a value corresponding to each of the data fields is input, which is divided into a plurality of data fields.

As another example, the special-purpose generating unit 382 may generate image contents including the input data in a watermarking manner.

As another example, the professional generating unit 382 may generate a predetermined document file (e.g., a PDF (Portable Document Format) file or an EDI (Electronic Data Interchange) file or an HWP / A word processor file containing one or more, or a web document file containing MHT).

The professional processing unit 383 can transmit the generated electronic document to the financial company server 100 via the communication unit 340 and perform the information processing function corresponding to the electronic document received from the financial company server 100. [

For example, the professional processing unit 383 transmits the generated financial service new subscription request electronic document to the financial company server 100 via the communication unit 340, and transmits the electronic document to the financial service new subscription requesting document from the financial company server 100 Receive the corresponding request response electronic document, and output the information included in the request response electronic document through the display unit 361. [

4, a camera 321, an ID scanner 324a, a barcode scanner 324b, a card reader unit 330, a card discharger 334a, A printer unit 335, a first display unit 362 and a first sound output unit 364a are arranged on the first surface and a vein sensor 311, a proximity sensor 314, a microphone and a second sound output And a short-range wireless communication unit 370 are disposed in the first and second display units 322 and 364b, the user input unit 323, the cash input / output unit 331 and 332, the passbook input / output unit 333, the second display unit 363, The financial terminal 300 will be described as an example.

However, these configurations are not limited to this arrangement. These configurations may be excluded or replaced as needed, or placed on different planes. For example, the bar code scanner 324b may not be provided on the first surface, and the microphone and sound output units 322 and 364 may be provided on the first surface rather than the second surface.

The first display portion 362 and the second display portion 363 may be vertically disposed on the first surface and the second surface, respectively. The first display unit 362 and the second display unit 363 may be arranged such that all the screens displayed in the viewing direction of the user using the financial terminal 300 are visible.

The first display unit 362 can display additional information on the use of the financial service or a video consultation screen with the financial staff of the window terminal 400.

The second display unit 363 displays important information necessary for providing the financial service such as important information (for example, user's personal information, account number information, signature information, balance information, etc.) can do. The second display unit 363 may also display a user input screen (e.g., a keyboard, a keypad). That is, the second display unit 363 may display execution screen information of a program driven by the financial terminal 300, or UI (User Interface) and GUI (Graphic User Interface) information according to the execution screen information.

The first display unit 362 and the second display unit 363 may be a liquid crystal display (LCD), a thin film transistor-liquid crystal display (TFT LCD), an organic light- emitting diodes (OLEDs), flexible displays, 3D displays (3D displays), and electronic ink displays (e-ink displays).

The first display unit 362 and the second display unit 363 are configured to detect touches to the first display unit 362 and the second display unit 363, respectively, And a touch sensor, respectively. When a touch is made to the first display unit 362 and the second display unit 363, the touch sensor senses the touch, and the control unit 380 generates a control command corresponding to the touch . ≪ / RTI > The content input by the touch method may be a letter or a number, an instruction in various modes, a menu item which can be designated, and the like.

The first display portion 362 and the second display portion 363 may form a touch screen together with the touch sensor. In this case, the touch screen may function as a user input portion 323 (see FIG. 3).

A card reader unit 330, a card discharge unit 334, a printer unit 335, and a passbook entry / exit unit 333 corresponding to the ID card scanner 324a, the card reader unit 330, the card discharge unit 334, A plurality of outlets are formed. The user can input a medium necessary for financial transactions to a corresponding one of a plurality of outlets and outlets.

On the other hand, the cash input / output unit and the check input / output units 331 and 332 can open / close the lid formed on the second surface when cash or check is inputted or released. For example, the cash input / output unit and the check input / output units 331 and 332 open the lid at the time of cash input and close the lid when the cash input is completed.

The ID card scanner 324a scans the input ID card and returns a scanned ID card.

The barcode scanner 324b can scan one-dimensional and two-dimensional bar codes (QR codes). The barcode scanner 324b can scan the barcode through laser scanning and image scanning.

The card reader unit 330 can read a check card, a credit card, or the like to be inserted. The card reader unit 330 may return the inserted card when the financial service provision is completed or the card can not be recognized.

The card ejection unit 334 can eject the MS card, the contact type IC card, the contactless type IC card, the security medium, etc. to the outside of the financial terminal 300.

The printer unit 335 can print out the document processed in the financial terminal 300 on the printing paper and output it.

The vein sensor 311 includes a support to which the palm of the user can be supported, and can scan the palm of the user put on the support.

The proximity sensor 314 refers to a sensor that detects the presence of an object approaching a predetermined detection surface, or the presence of an object in the vicinity of the detection surface, without mechanical contact by using electromagnetic force or infrared rays. Examples of the proximity sensor 314 include a transmission type photoelectric sensor, a direct reflection type photoelectric sensor, a mirror reflection type photoelectric sensor, a high frequency oscillation type proximity sensor, a capacitive proximity sensor, a magnetic proximity sensor, and an infrared proximity sensor. In the case where the touch screen is electrostatic, the proximity sensor 314 can be configured to detect the proximity of the object with a change of the electric field along the proximity of the object having conductivity.

The first sound output unit 364a may be implemented in the form of a loud speaker for outputting various alarm sounds or multimedia reproduced sounds.

The microphone and the second sound output units 322 and 364a may be in the form of a receiver. The microphone 322 is configured to receive the user's voice, other sounds, and the like. The sound output unit 364 may be implemented as a receiver for transmitting a call sound to a user of a financial institution to a user's ear.

The user input portion 323 may include a mechanical input means (or a mechanical key, for example, a button and a touch type input means. As an example, the touch type input means may include a touch input means And a touch key disposed on the touch panel.

The short-range wireless communication unit 370 supports non-contact short-range wireless communication at a distance of about 10 cm. The short-range wireless communication unit 370 can read the card information in the form of an applet mounted on the security module of the mobile terminal. Here, the card information may include at least one of a card number, balance, and usage history.

Hereinafter, embodiments related to the financial terminal 300 and a financial service providing method that can be implemented in the financial system including the financial terminal 300 will be described with reference to the accompanying drawings. The embodiments may be embodied in other specific forms without departing from the spirit or essential characteristics of the embodiments.

Hereinafter, a transaction work screen displayed by the financial terminal 300 will be described with reference to FIG.

5 is an exemplary view showing a transaction task screen displayed by the financial terminal 300 according to the embodiment. As shown in the figure, the control unit 380 displays the transaction work screen 1000 on the display unit 361. The control unit 380 may display a transaction task screen when the user's input (or access of an object) is first detected by the sensor unit 310. [

The control unit 380 may display a transaction task screen 1000 on the second display unit 363 for selecting any one of a plurality of financial services provided by the financial terminal 300 by the user.

In the upper part of the transaction work screen 1000, an object 1001 for inquiring a record using a service through a recent financial terminal by a user who has been authenticated, an object 1002 for displaying a menu favorite by the user, An input window 1003 for searching for a number (for example, a screen number corresponding to each financial service), an object 1004 for trying to connect a picture with an agent, an object 1005) may be displayed.

An object 1011 for requesting a loan service, an object 1012 for consulting or subscribing to a financial product, an object 1013 for opening a new account, an online banking service or an online banking service An object 1014 for processing a business, an object 1015 for processing a business related to a credit card, and an object 1016 for displaying another business may be displayed.

In the lower part of the transaction work screen 1000, an object 1021 for inquiring information on all accounts of a user, an object 1022 for performing a business related to passbook reissue, an object 1023, an object 1024 for reissuing a check card, an object 1025 for reissuing a secure card, and an object 1026 for changing a transfer password.

An object 1031 for changing a displayed language and an object 1032 for displaying a menu screen for the entire service provided by the financial terminal 300 may be displayed at the top of the transaction work screen 1000 .

Hereinafter, a method of providing a loan service according to an embodiment will be described with reference to FIG. 6 to FIG.

FIG. 6 is a flowchart schematically showing a method of providing a loan service by the financial terminal 300 according to the embodiment.

In the conventional financial system, there is an inconvenience that a user must visit a financial institution and use a loan service after face-to-face authentication by a financial corporation employee.

According to the financial service providing method of the embodiment, the financial terminal 300 authenticates the user (S10) and provides the user with a loan service that was not available in the conventional non-facing channel (S20).

First, the financial terminal 300 may perform a real name authentication or a personal authentication of a user using the financial terminal 300. The authentication step S10 may be performed in the user authentication unit 381 using the data input through the sensor unit 310 and the input unit 320 and the data received from the communication unit 340. [

The financial terminal 300 transmits the authentication information (biometric information) stored in the authentication server 700 (or the financial company server 100) and the biometric sensor (the vein sensor 311, the fingerprint recognition sensor 312 or the eye recognition sensor 313) (E.g., a vein distribution pattern, an iris pattern, a retina pattern, and a fingerprint pattern) inputted through a user interface (not shown).

The financial terminal 300 transmits the image of the user photographed through the camera 321 and the image of the user's ID card to the administrator terminals 400 and 402 so that authentication is confirmed by the administrator in the administrator terminals 400 and 402 The user can be authenticated. Also, the financial terminal 300 may authenticate the user by comparing the face image of the user photographed through the camera 321 with the face image included in the user's ID image.

The financial terminal 300 may authenticate the user by transmitting the authentication number input by the user to the external authentication server 700 and confirming the authentication by the external authentication server 700. [ For example, the financial terminal 300 requests the external authentication server 700 for user authentication. Then, the external authentication server 700 generates and transmits the authentication number to the client terminal 10, 11, 12 of the customer using the customer information stored in the DBMS of the financial company server 100. The financial terminal 300 transmits the authentication number input by the user to the external authentication server 700. The external authentication server 700 matches the authentication number transmitted to the client terminals 10, 11 and 12 with the authentication number transmitted from the financial terminal 300 and transmits a message to the financial terminal 300, Lt; / RTI >

Meanwhile, in the authentication step S10, the password corresponding to the financial medium inserted through the card reader unit 330 and the passbook entry / exit unit 333 is inputted from the user, and the password is matched with the password of the financial medium The user can be authenticated to use the inserted financial medium.

The financial terminal 300 may provide a loan service for the authenticated user. The loan service provided to the user through the financial terminal 300 may include a new loan, an extension of a loan, and the like.

Hereinafter, the authentication step (S10) will be described in detail with reference to FIG. 7 to FIG.

FIG. 7 is a flowchart showing a step of selecting an authentication method included in the authentication step S10 of FIG. 6, and FIG. 8 is an exemplary view showing a screen displayed on a financial terminal for selecting the authentication method of FIG.

Referring to FIG. 7, the user authentication unit 381 of the financial terminal 300 displays the identity authentication screen on the display unit 361 (S102). The identity authentication screen may be displayed to select one of a plurality of authentication methods for authenticating a user and authenticate the user.

The user authentication unit 381 may omit the authentication screen display step (S102) if an input for user authentication is first detected by the sensor, the user input unit 323, the scanner 324, or the like. For example, when a vein distribution pattern of a user is detected by the vein sensor 311, the user authentication unit 381 drives the vein sensor 311 without inputting a user selecting the biometric authentication object 614, It can be controlled to detect the vein distribution pattern.

On the other hand, the user authentication unit 381 can display a personal authentication screen when an input for selecting a loan service such as a new loan or extension of a loan is received (S100) among the financial services displayed on the transaction work screen 1000. For example, the user authentication unit 381 may enter the identity authentication display step (S102) according to a user input that touches the object 1011 corresponding to the loan service on the transaction work screen 1000 and selects the object. Thus, the user authentication screen can be displayed on the display unit 361. [

Also, the user authentication unit 381 can display the personal authentication screen before receiving the loan service selection input. For example, when the proximity sensor 314 detects the user's access, the user authentication unit 381 can display the authentication screen on the display unit 361.

The personal authentication screen may include a screen for selecting at least one of a plurality of user authentication methods. For example, the user authentication unit 381 may display an object corresponding to each of a plurality of user authentication methods on the display unit 361. [ The plurality of user authentication methods include a biometric authentication method, a self authentication method using image connection, an ID authentication method, and an authentication number authentication method.

Hereinafter, it is assumed that the user authentication unit 381 displays a personal authentication screen on the second display unit 363 for selecting either the authentication method or the biometric authentication method through the identification card and the image connection.

As shown in Fig. 8, the user authentication unit 381 includes a user authentication screen including an object 612 corresponding to the authentication method using the identification card and the image connection, and an object 614 corresponding to the biometric authentication method. 2 display unit 363. [0164] The user authentication screen may further include a guideline 610 for prompting the user to select an authentication method and may include an object 622 for a video consultation with an administrator, an object 624 for changing a displayed language, An object 626 for displaying a menu screen for the entire service provided by the service providing apparatus 100 may be displayed.

The user can select any one of the objects 612 and 614 displayed on the second display unit 363 and proceed to the authentication step.

Hereinafter, an authentication method according to each authentication method will be described in detail with reference to FIGs. 9 and 10. FIG.

FIG. 9 is a flowchart specifically illustrating an authentication method according to the first aspect of the embodiment, and FIG. 10 is a flowchart specifically showing an authentication method according to the second aspect of the embodiment.

First, an authentication method according to the first aspect of the embodiment will be described with reference to FIG.

The user authentication unit 381 displays a guidance screen for scanning the ID card with the ID card scanner 324a on the display unit 361. When the user selects the object 612 corresponding to the ID card authentication method, Can be displayed.

When the ID card is inserted into the ID card scanner 324a by the user, the ID card scanner 324a scans the identification card (S110) and processes the ID data as image data. For example, the ID card scanner 324a can scan both the front side and the back side of the input ID card and process it as image data.

Then, the user authentication unit 381 detects the information described in the identification card using the ID image data (S112). The information (hereinafter, referred to as identification information) described in the ID card may include at least one of ID photograph, numerical information, and text information printed on the ID card. The number information may include a resident registration number, an identification card issuance date, and a driver's license number, which are described in the identification card. The character information may include a name, an address, a personalization agent, and an identification card type described in the identification card. The user authentication unit 381 may store the image data of the ID card processed by the scanner 324 and the detected ID information in the memory unit 350. [

The user authentication unit 381 transmits the image data photographed by the camera 321 and the ID image data and the ID information to the communication unit 340. [ To the manager terminals 400 and 402 (S115).

The administrator terminals 400 and 402 display the ID image data and the image data (S116). The financial company employee can determine that the user's personal information matches by comparing the ID image and the image displayed on the display unit of the administrator terminal (400, 402). At this time, the administrator terminals 400 and 402 can capture the image data displayed on the display unit of the administrator terminals 400 and 402 according to the inputs of the financial staff, 400, and 402, respectively.

The administrator terminals 400 and 402 receive an input for confirming authenticity of the identification card (S118). The administrator terminals 400 and 402 may transmit information on the ID card to the server of the issuing authority according to the input of the financial institution employee, thereby indicating the authenticity of the ID card. At this time, the identification card may include a resident registration card or a driver's license, and the personalization agent may include the Ministry of Government Administration and Home Affairs or the police agency.

The administrator terminals 400 and 402 transmit the ID information to the corresponding ID card issuing authority server (S120). For example, the administrator terminal (400, 402) can transmit information described in the ID card to the personalization agent server using the information about the personalization agent described in the detected ID card.

Then, the personalization agent server retrieves the ID information stored in the personalization agent server, which matches the information described in the ID card (S122). When the ID information is retrieved, the issuer server generates a message for confirming that the ID card is an ID issued by the issuing institution (S124). Alternatively, if the ID information is not retrieved, the personalization server generates a message for confirming that the ID card is not an ID issued by the issuing organization (S124).

Then, the personalization agent server transmits the created authenticity confirmation message to the administrator terminals 400 and 402 (S126). Then, the administrator terminals 400 and 402 can display the authenticity of the identification card through the authenticity verification.

In addition, the manager terminals 400 and 402 receive an input for confirming the customer information (S128). Then, the manager terminals 400 and 402 transmit the ID information to the financial company server 100 according to the input of the financial staff (S130).

Then, the financial company server 100 searches for customer information corresponding to the ID information in the customer information provided in the customer information D / B 213 (S132), and searches the customer information corresponding to the customer ID Information is transmitted (S134).

The administrator terminals 400 and 402 display at least one of the personal information of the customer and the customer's member information included in the received customer information on the screen of the administrator terminals 400 and 402 (S136).

Then, the financial staff member can query the customer information by voice through the sound output unit 364 of the financial terminal 300 using the microphones of the manager terminals 400 and 402. Alternatively, the bank employee can visually inquire customer information through the display unit 361 of the financial terminal 300 using the keyboard of the manager terminal 400, 402.

The user of the financial terminal 300 may respond to the query of the financial institution employee by voice through the microphone 322 or by inputting characters or numbers through the user input unit 323.

In response to the user's response, the financial staff member determines that the user's personal information matches and inputs a user authentication confirmation to the administrator terminals 400 and 402 (S138). That is, the financial company employee can authenticate the user by additionally inquiring the user about the user through the display unit 361 or the sound output unit 364 of the financial terminal 300.

Accordingly, when the administrator terminal 400 or 402 receives the authentication confirmation from the financial staff member, the administrator terminal 400 or 402 generates the authentication confirmation telegram (S140) and transfers it to the financial terminal 300 (S142).

The user authentication unit 381 of the financial terminal 300 receiving the authentication confirmation message completes the user authentication and displays it on the display unit 361 (S144).

If the administrator terminal 400 or 402 does not receive the authentication confirmation from the financial institution employee or receives the unconfirmed confirmation in step S146, the unauthenticated authentication is generated in step S148 and transmitted to the financial terminal 300 in step S150.

The user authentication unit 381 of the financial terminal 300 receiving the authentication unconfirmed message ends the user authentication and displays it on the display unit 361 (S152).

Next, an authentication method according to the second aspect of the embodiment will be described with reference to FIG. When the user selects the authentication method based on the biometric information, the user authentication unit 381 acquires the biometric information of the user through the biometric sensor (the vein sensor 311, the fingerprint recognition sensor 312 or the eye recognition sensor 313) On the display unit 361. The display unit 361 displays a guide screen for sensing the display screen.

The user authentication unit 381 receives user information (S160). For example, the user can input the resident registration number and the use password of the user through the user input unit 323.

Then, the biometric sensor senses the biometric information of the user (S161). For example, the vein sensor 311 senses the vein distribution pattern of the user's palm (or forearm, etc.) placed on the upper side. The fingerprint recognition sensor 312 senses the fingerprint pattern of the user. The iris recognition sensor senses the iris pattern of the user's eye. The retina recognition sensor senses the vascular pattern of the retina of the user's eye. At this time, the user authentication unit 381 may store the biometric information processed by the biometric sensor in the memory unit 350. [

Next, the user authentication unit 381 transmits user information and biometric information to the financial company server 100 (S162). At this time, the user information may include the resident registration number information and the use password information. In the case of the financial server 100 including the authentication server 700, the control unit 120 of the financial company server 100 reads the biometric information corresponding to the user information from the biometric information D / B 710 (S163). For example, the control unit 120 can read the biometric information corresponding to the resident registration number from the biometric information D / B 710.

Then, the control unit 120 of the financial company server 100 determines whether the read biometric information matches the biometric information transmitted from the financial terminal 300 (S164).

When the biometric information transmitted from the financial terminal 300 matches the biometric information read from the biometric information D / B 710, the control unit 120 of the financial company server 100 reads the biometric information from the biometric information D / B 710 Reads the customer information corresponding to the biometric information (S166), generates an authentication confirmation message including the customer information (S168), and transmits it to the financial terminal 300 (S170).

The user authentication unit 381 of the financial terminal 300 having received the authentication confirmation message can complete the user authentication (S172) and display it on the display unit 361. [

If the biometric information transmitted from the financial terminal 300 does not match the biometric information stored in the biometric information D / B 710, the control unit 120 of the financial company server 100 generates an unauthenticated certificate of authentication (S174) To the terminal 300 (S176).

The user authentication unit 381 of the financial terminal 300 receiving the authentication unconfirmed message ends the user authentication (S178).

Meanwhile, when the authentication server 700 and the financial company server 100 are separately provided, the control unit 120 of the financial company server 100 transmits the biometric information to the external authentication server 700.

Then, the external authentication server 700 judges the biometric information matching the biometric information transmitted from the financial company server 100 among the biometric information stored in the biometric information D / B 710 (S164).

When the matching biometric information is retrieved, the biometric information, the customer information corresponding to the retrieved biometric information, and the authentication confirmation message may be transmitted to the financial company server 100.

At this time, the validity checking unit 121 of the financial company server 100 can also verify the validity of the biometric information received from the authentication server 700. [ For example, when the authentication server 700 is provided externally, the validity checking unit 121 can check validity of validity period of biometric information, validity period of biometric information, and the like.

In another aspect, the user authentication unit 381 can transmit the resident registration number information and the use password information to the financial company server 100. [

Then, the control unit 120 of the financial company server 100 can search the financial company server 100 for the customer information corresponding to the resident registration number or the use password. The control unit 120 of the financial company server 100 can search the biometric information D / B 710 for the biometric information corresponding to the customer.

The control unit 120 of the financial company server 100 may transmit the retrieved biometric information to the financial terminal 300. [ The user authentication unit 381 of the financial terminal 300 can determine whether the biometric information received from the financial company server 100 matches the biometric information sensed by the biometric sensors 311, 312, and 313.

When the biometric information coincides with each other, the user authentication unit 381 can complete the user authentication (S172) and display it on the display unit 361. [ When the biometric information is different, the user authentication unit 381 ends the user authentication (S178).

When the above-described authentication step (S10) is completed, the financial terminal (300) provides a loan service to the authenticated user such as a new loan or extension of a loan.

Hereinafter, a method of providing a new loan service through the financial terminal 300 after the above-described authentication step (S10) is completed will be described with reference to Figs. 11A to 19.

11A and 11B are flowcharts showing a method of providing a new loan service according to the embodiment, and show a case in which a user provides a new account for secured money lending service. 13 to 19 are diagrams showing examples of screens of a financial terminal for providing a new loan service according to the embodiment.

Referring to FIG. 11A, the control unit 120 of the financial company server 100 inquires of the user who authenticated through the authentication step (S10) about the advance information for the deposit money lending (S200). That is, the control unit 120 of the financial company server 100 acquires, from the ledger D / B 211 stored in the financial institution system 200, the user's account list, account number, account It reads the advance information for the mortgage loan such as the mortgage loan limit of a star.

The control unit 120 of the financial company server 100 judges whether the user is a customer who can borrow a deposit based on the inquired pre-information, and transmits the approval of transaction (new loan) to the financial terminal 300 according to the determination result S202).

The control unit 380 of the financial terminal 300 stops the financial transaction when the transaction approval is rejected by the financial company server 100 (S244), and displays a screen for guiding the financial transaction on the display unit 361. [ On the other hand, when the transaction is approved by the financial company server 100 (S204), the control unit 380 of the financial terminal 300 receives a selection input for selecting the type of the mortgage loan from the user (S206).

The financial terminal 300 displays a loan type selection screen for instructing the loan type selection on the display unit 361 and can receive the loan type selection input from the user.

12, the control unit 380 of the financial terminal 300 displays a loan type selection screen 1200 including an object 1212 corresponding to a piece-by-case loan and an object 1214 corresponding to a negative loan, Can be displayed on the display unit 363. A mortgage loan can be classified into a loan (or a limit loan) and a minus loan according to the loan execution method and the loan repayment method. The loan by type is a type of loan that is fully lent to the deposit account selected on the loan start date and is repaid in full on the expiration date of the loan term. In addition, a negative loan is a kind of loan that can be repaid freely before the expiration date of the loan, and executes the loan whenever the customer makes a request. The loan type selection screen 1200 may further include a guideline 1220 for guiding the selection of a loan type, and may further include an object 1230 for canceling a transaction. The user can input a loan type selection input to the financial terminal 300 by touching and selecting any one of the loan type objects 1212 and 1214 included in the loan type selection screen 1200. [

When the loan type selection is completed, the control unit 380 of the financial terminal 300 transmits the loan type selection information to the financial company server 100 (S208). The control unit 120 of the financial company server 100 receives the loan guidance message corresponding to the selected loan type (S210), and transmits the loan announcement message to the financial terminal 300 (S212).

The control unit 380 of the financial terminal 300 generates a loan guide screen based on the loan guide message from the financial company server 100 and displays it on the display unit 361 (S214).

13, for example, the control unit 380 of the financial terminal 300 may display the loan guidance screen 1300 on the second display unit 363. [ The loan guide screen 1300 is a screen for guiding information on the selected loan product, and may include a phrase 1310 for guiding the loan product information. The loan product information may include an overview of a loan product, a loan customer, a loan limit, a loan interest rate, an interest rate application method, a repayment method, a reimbursement fee, and a loan expense. The loan guidance screen 1300 includes an object 1322 for canceling a transaction, an object 1324 for returning to a previous step (for example, a loan type selection step), a next step (for example, (Not shown).

Next, the control unit 380 of the financial terminal 300 receives the personal (credit) information inquiry consent input from the user (S216). To this end, the control unit 380 of the financial terminal 300 displays the personal information inquiry consent screen on the display unit 361, and receives the personal information inquiry consent input through the display unit 361.

14, the control unit 380 of the financial terminal 300 may display the personal information inquiry consent screen 1400 on the second display unit 363. The personal information inquiry consent screen 1400 includes a personal (credit) information inquiry consent form 1410 including an informative text related to personal (credit) information collection / use / provision, at least one The object 1412 of FIG. The user can touch the respective objects 1412 on the personal information inquiry consent display screen 1400 displayed on the second display 363 and input the consent input for each item related to the information inquiry to the financial terminal 300 . The personal information inquiry consent screen 1400 includes an object 1422 for canceling a transaction, an object 1424 for returning to a previous step (e.g., a loan guiding screen displaying step), a next step (e.g., An object 1426 for proceeding to a screen display step), and the like.

When the control unit 380 of the financial terminal 300 receives the consent input for the personal information inquiry from the user, it transmits the personal information inquiry consent input to the financial company server 100 (S218). The control unit 120 of the financial company server 100 reads the loan agreement from the DBMS 210 of the financial institution system 200 and transmits the loan agreement to the financial terminal 200 at step S222.

The control unit 380 of the financial terminal 300 displays a loan agreement agreement screen on the display unit 361 based on the loan agreement received from the financial company server 100 and receives an agreement input on the loan agreement from the user (S3224 ).

15, for example, the control unit 380 of the financial terminal 300 may display the agreement agreement screen 1500 on the second display unit 363. The agreement agreement screen 1500 includes objects 1512, 1514 and 1516 for calling up and displaying each agreement (for example, a bank loan transaction basic contract, a loan transaction agreement, a household loan product description, etc.) can do. When the user selects one of the objects 1512, 1514, and 1516 corresponding to the respective agreements, the control unit 380 of the financial terminal 300 transmits the selected object of the loan agreement received from the financial company server 100 A corresponding agreement can be displayed on the second display unit 363. The loan agreement consent screen 1500 may further include a phrase 1520 for prompting consent to the agreement, an object 1530 for selecting whether to agree to the agreement, and the like. The user can touch the object 1530 on the loan agreement agreement screen 1500 displayed on the second display 363 and input the agreement input for the agreement to the financial terminal 300. [ The loan agreement agreement screen 1500 includes an object 1542 for canceling a transaction, an object 1544 for returning to a previous step (for example, a personal information inquiry agreement input step), a next step (e.g., An input step 1546).

When receiving the agreement input for the loan agreement, the control unit 380 of the financial terminal 300 transmits the loan agreement agreement input to the financial company server 100 (S226). The control unit 120 of the financial company server 100 reads the account information of the user from the ledger DB 211 of the financial institution system 200 at step S230 and transmits the account information to the financial terminal 300 at step S232. The account information read out in step S230 may include a collateralizable account list, a collateral loan limit for each account, a depositable account list, and the like. The control unit 120 of the financial company server 100 can generate a mortgage loan limit for each account based on the balance information of each account. For example, the financial company server 100 can calculate 95% of the balance of each account as a mortgage limit.

When the account information of the user is received from the financial company server 100, the control unit 380 of the financial terminal 300 generates a loan application information input screen based on the received account information, displays it on the display unit 361, Lt; RTI ID = 0.0 > (S234). ≪ / RTI >

16, the control unit 380 of the financial terminal 300 may display the loan application information input screen 1600 on the second display unit 363. The loan application information input screen 1600 may include input windows 1612, 1614, 1616, and 1618 for inputting a secured account number, a loan amount, a purpose of funds, and a deposit account number. The user may touch an input window for inputting information and directly input the corresponding information through the user input unit 323. [ The loan application information input screen 1600 displays an object 1622 for selecting a secured account, a list of accounts selectable by the secured account, an object 1624 for inquiring an account list selectable by the deposit account, . ≪ / RTI > The user can touch any of the objects 1622 to select any one of the account lists that can be selected as the secured account as the secured account. The user may touch the object 1624 to select any one of the account lists which can be selected as the deposit account as the deposit account. The loan application information input screen 1600 may further include an object 1626 for inquiring a selectable list for the purpose of funds and for selecting the purpose of funds. The user may touch the object 1626 to select any one of the items that can be selected for the purpose of funds as the funding purpose. The loan application information input screen 1600 may further include an object 1642 for canceling the transaction and an object 1644 for proceeding to the next step (for example, the transfer of loan application information).

The control unit 380 of the financial terminal 300 transmits the loan application information input by the user to the financial company server 100 (S236) Lt; / RTI > The control unit 120 of the financial company server 100 receives the loan application information and generates a loan application confirmation message based on the user's loan application information (S238). Then, the generated loan application confirmation message is transmitted to the financial terminal 300 (S240).

In step S238, the control unit 120 of the financial company server 100 reads the account information of the account secured by the user from the ledger DB 211 of the financial institution system 200 based on the user's loan application information, It is possible to create a loan application confirmation form on the basis of. The loan application confirmation specialist can confirm the loan application account number, the loan subject (loan kind), the deposit account number (limit loan registration account number), the loan application amount, the loan interest rate, the loan expiry date, the delayed repayment rate, A method of calculating interest and delayed compensation, a method of executing a loan, a repayment method, a method of paying interest, and a reimbursement fee. The control unit 120 of the financial company server 100 calculates a loan interest rate based on the current deposit interest rate read from the DBMS 210 of the financial institution system 200 and customer information (such as creditworthiness, deposit balance of a secured account, Can be calculated. In addition, the control unit 120 of the financial company server 100 can calculate the loan expiration date based on the loan application date (today's date).

The control unit 380 of the financial terminal 300 displays this on the display unit 361 (S242), and provides information on the loan application details to the user do.

17, the control unit 380 of the financial terminal 300 may display the loan application confirmation screen 1700 on the second display unit 363. The loan application confirmation screen 1700 may include a loan application confirmation text 171 received from the financial company server 100. The loan application confirmation specialist 1700 includes an object 1622 for canceling a transaction, an object 1624 for returning to a previous step (for example, a loan application information input step), a next step (for example, Gt; 1626 < / RTI >

When the user confirms the loan application details through the loan application confirmation screen 1700, the control unit 380 of the financial terminal 300 performs the additional user authentication process to finalize the loan new service.

Referring to FIG. 11B, the control unit 380 of the financial terminal 300 receives the additional authentication information for the additional user authentication from the user when the user who has confirmed the loan application confirmation screen 1700 requests progress to the next step (S250).

In step S250, the additional authentication information may include the password of the account selected by the user as the secured account. In this case, the control unit 380 of the financial terminal 300 displays the password input screen on the display unit 361, and can receive the password of the secured account from the user.

18, the control unit 380 of the financial terminal 300 may display the account password input screen 1800 on the second display unit 363. The account password input screen 1800 may include an input window 1810 for receiving a password of an account secured by the user and a phrase 1820 for inputting a password. The user can touch the input window 1810 to input the account password. The account password input screen 1800 includes an object 1832 for canceling a transaction, an object 1834 for returning to a previous step (for example, a loan application confirmation display step), a next step (for example, And an object 1836 for proceeding to an information transmission step.

In step S250, the additional authentication information may include an authentication key obtained through a secure medium (secure card, OTP) or the like. In this case, the control unit 380 of the financial terminal 300 displays an input screen for receiving the authentication key acquired through the secure medium on the display unit 361, and acquires an authentication key Can be input.

In step S250, the additional authentication information may include an authentication key transmitted to the user's mobile device. In this case, the financial terminal 300 can transmit an authentication key for authentication of the user to the user's mobile device in cooperation with the financial company server 100. [ A user who has confirmed the authentication key through the mobile device can input the authentication key into the financial terminal 300 as additional authentication information.

In step S250, the additional authentication information may include biometric information. The control unit 380 of the financial terminal 300 may acquire the biometric information of the user through the sensor unit 310 and use it as additional authentication information.

In step S250, the additional authentication information may include the user's mobile device number. The control unit 380 of the financial terminal 300 may receive the user's mobile device number for ARS (Automatic Response System) connection from the user and use it as additional authentication information.

The control unit 380 of the financial terminal 300 may use the above-described account password, security medium authentication key, biometric information, and various authentication information for authentication. Further, the control unit 380 of the financial terminal 300 may use two or more pieces of authentication information as additional authentication information. For example, the control unit 380 of the financial terminal 300 may use the password of the secured account and the authentication key obtained through the secure medium as additional authentication information.

FIG. 19 shows an example of an additional authentication screen 1900 for supporting a user to select an additional authentication method. In this example, an ARS authentication, a secure medium authentication, and a biometric authentication method can be selected as an additional authentication method Respectively. 19, the additional authentication screen includes an object 1912 for selecting ARS authentication in an additional authentication scheme, an object 1914 for selecting secure media authentication, and an object 1916 for selecting biometric authentication . The user can touch any one of the objects 1912, 1914, and 1916 to select the desired authentication method.

When the additional authentication information is obtained, the control unit 380 of the financial terminal 300 transmits it to the financial company server 100 to request additional authentication for the loan approval processing (S252). When the financial institution server 100 receives the additional authentication information from the financial terminal 300, the financial institution server 100 performs additional authentication processing for approval of the loan using the additional authentication information (S254).

If the additional authentication information includes the account password, the control unit 120 of the financial company server 100 reads the password of the corresponding account from the ledger D / B 211 of the financial institution system 200 And compares it with the account password received from the financial terminal 300 to perform additional authentication processing.

If the additional authentication information includes the authentication key obtained from the secure medium in step S254, the control unit 120 of the financial company server 100 may perform the additional authentication process by checking the validity thereof.

If the additional authentication information includes biometric information in step S254, the control unit 120 of the financial company server 100 compares the biometric information with the biometric information of the user read from the biometric information D / B 711 to perform additional authentication processing You may. The biometric authentication processing method using biometric information has been described in detail with reference to FIG. 10, and a description thereof will be omitted.

If the additional authentication information includes the user's mobile device number, the controller 120 of the financial company server 100 attempts to connect to the mobile device of the user through the ARS, Additional authentication processing may be performed based on the received information.

If the additional authentication for the user is successful (S256), the control unit 120 of the financial company server 100 approves the deposit money secured loan requested by the user (S258). For example, the control unit 120 of the financial company server 100 may deposit a loan request amount into a deposit account input by a user, or may register an account secured by a user as a negative account. The controller 120 of the financial company server 100 updates the ledger information of the customer in the ledger D / B 211 on the basis of the details of the deposit money secured loan when the deposit guarantee loan approval is completed. In addition, a loan completion confirmation message is generated (S260) and transmitted to the financial terminal 300 (S262).

The control unit 380 of the financial terminal 300 that has received the loan completion confirmation message from the financial company server 100 displays the loan completion screen on the display unit 361 (S264) and completes the deposit money lending service.

If the additional authentication fails in step S256, the controller 120 of the financial company server 100 generates an unauthorized personal statement (S266) and transmits it to the financial terminal 300 (S268). The control unit 380 of the financial terminal 300 receiving the notification displays the unauthorized text on the display unit 361 (S270), and stops the financial transaction.

Hereinafter, a method of providing a credit extension service through the financial terminal 300 after the above-described authentication step (S10) is completed will be described with reference to FIGS. 20 to 23. FIG.

FIG. 20 is a flowchart showing a loan extension service method according to an embodiment, and shows a case in which a user provides a mortgage loan extended service to a user. FIGS. 21 to 23 illustrate examples of screens of a financial terminal for providing a loan extension service according to the embodiment.

Referring to FIG. 20, the control unit 120 of the financial company server 100 inquires about the mortgage loan details of the user authenticated through the authentication step S10 (S300). That is, the control unit 120 of the financial company server 100 reads out the user's deposit mortgage loan history from the ledger D / B 211 stored in the financial institution system 200, based on the customer information acquired in the authentication step S10 . The details of the mortgage loan may include a mortgage account list in which the mortgage security is set up, a mortgage account number, a mortgage account expiration date, a loan expiration date, a deferment expiration date, and the like.

The control unit 120 of the financial company server 100 transmits the inquired deposit money secured loan details to the financial terminal 300 (S302). The control unit 380 of the financial terminal 300 receiving the display displays the details of the user's mortgage loan on the display unit 361 (S304). Then, the credit extension account selection information is received from the user (S306).

21, for example, the control unit 380 of the financial terminal 300 may display the screen 2100 for displaying the details of the secured mortgage loan on the second display unit 363. The deposit mortgage loan history screen 2100 may include a secured account list 2110. The deposit mortgage loan history screen 2100 may further include objects 2120 for selecting a mortgage account to extend the loan. The user may touch the object 2120 corresponding to each secured account to select a secured account for which to redeem the reimbursement. The deposit mortgage loan detail screen 2100 may further include an object 2132 for selecting a transaction cancellation and an object 2134 for proceeding to the next step (for example, a loan extension application information input step).

When the selection of the user's loan extension account is completed, the control unit 380 of the financial terminal 300 receives the loan extension application information for the selected secured account from the user (S308). The control unit 380 of the financial terminal 300 displays the loan extension application information input screen for receiving the loan extension application information of the secured account selected by the user on the basis of the deposit guarantee loan details received from the financial company server 100 And displays it on the display unit 361, thereby receiving the loan application extension information from the user.

22, for example, the control unit 380 of the financial terminal 300 may display the loan extension application information input screen 2200 on the second display unit 363. The loan extension application information input screen 2200 may include loan information 2210 corresponding to the secured account selected by the user. The loan information for the secured account may include a loan account number (secured account number), a secured account expiration date, a loan expiration date, and the like. The loan extension application information input screen 2200 may include an input window 2222 for inputting a delay maturity date or an object 2224 for calling a calendar for selecting a maturity date. The user can touch the input window 2222 and directly input the delayed expiration date through the user input unit 323. [ The user may touch the object 2224 to select a delayed expiration date on the calendar if a pop-up calendar is displayed on the screen. The loan extension application information input screen 2200 includes an object 2232 for selecting transaction cancellation, an object 2234 for returning to a previous step (for example, a step for selecting a secured account), a next step (e.g., And an object 2236 for proceeding to an extension application information transmission step).

The control unit 380 of the financial terminal 300 transmits the loan extension application information to the financial company server 100 (S310) when the loan extension application information is input from the user, do. The control unit 120 of the financial institution server 100, upon receipt thereof, performs a validity check on the loan extension application information, and generates a loan extension application confirmation message if the validity check is successful (S312). Then, the generated loan extension application confirmation message is transmitted to the financial terminal 300 (S314).

The control unit 380 of the financial terminal 300 displays the loan extension request confirmation message from the financial company server 100 on the display unit 361 (S316).

23, the control unit 380 of the financial terminal 300 can display the loan extension application confirmation screen 2300 on the second display unit 363. [ The loan extension application confirmation screen 2300 may include a loan extension application confirmation message 2310 received from the financial company server 200. The loan extension application confirmation screen 2300 includes an object 2322 for selecting transaction cancellation, an object 2324 for returning to a previous step (for example, a loan extension application information input step), a next step (for example, And an object 2326 for proceeding to an additional authentication information input step).

The control unit 380 of the financial terminal 300 displays the additional extension information for the additional identity authentication from the user when the proceeding to the next step is selected by the user who confirmed the extension extension application information through the extension extension application confirmation screen 2300 (S318). The additional authentication processing method using the additional authentication information proceeds similar to the additional authentication method described with reference to FIG. 11B, so that the additional authentication method will be briefly described below.

In step S318, the additional authentication information includes the password of the account selected by the user as the secured account, the authentication key obtained through the secure medium (secure card, OTP), the authentication key transmitted to the user's mobile device, , A user's mobile device number, and the like.

When the additional authentication information is obtained, the control unit 380 of the financial terminal 300 transmits the additional authentication information to the financial company server 100 to request additional authentication for approving extension of the loan (S320). When the financial institution server 100 receives the additional authentication information from the financial terminal 300, the financial institution server 100 performs an additional authentication process for approving the extension of the loan using the additional authentication information (S322).

If the additional authentication for the user is successful (S324), the control unit 120 of the financial company server 100 approves the application for extending the mortgage loan extended by the user (S326). The control unit 120 of the financial company server 100 updates the ledger information of the customer in the ledger D / B 211 on the basis of the details of the deposit account extended loan extension request, when the deposit account extended loan extension request is approved. Also, a loan extension completion confirmation message is generated (S328) and transmitted to the financial terminal 300 (S330).

The control unit 380 of the financial terminal 300 receiving the loan extension completion confirmation message from the financial company server 100 displays the loan extension completion screen on the display unit 361 (S332) and completes the deposit guarantee loan extension service .

If the additional authentication fails in step S322, the control unit 120 of the financial company server 100 generates an unauthorized personal statement (S334) and transmits it to the financial terminal 300 (S336). The control unit 380 of the financial terminal 300 receives the unauthorized text on the display unit 361 (S338) and terminates the financial transaction (S340).

The above-described embodiment can be implemented as a computer-readable code on a medium on which a program is recorded. The computer readable medium includes all kinds of recording devices in which data that can be read by a computer system is stored. Examples of the computer readable medium include a hard disk drive (HDD), a solid state disk (SSD), a silicon disk drive (SDD), a ROM, a RAM, a CD-ROM, a magnetic tape, a floppy disk, , And may also be implemented in the form of a carrier wave (e.g., transmission over the Internet). Further, the computer may include a control unit of the terminal. Accordingly, the above description should not be construed in a limiting sense in all respects and should be considered illustrative. The scope of the present invention should be determined by rational interpretation of the appended claims, and all changes within the scope of equivalents of the present invention are included in the scope of the present invention.

100: financial company server 200: financial company system
300: financial terminal 310:
320:
340: communication unit 350: memory unit
360: output unit 370: short-range wireless communication unit
380:

Claims (17)

A method of providing a loan service of a financial terminal,
Acquiring first authentication information for authenticating the user from the user,
Performing authentication processing using the first authentication information,
If the authentication of the user is successful, receiving account information including an account list capable of a secured loan and a loanable amount of each account from a financial company server,
Displaying the account information on a screen,
Receiving loan application information including the secured account selection information and the loan application amount from the user,
Transmitting the loan application information to the financial company server, and
And displaying the loan completion confirmation message as the loan is approved from the financial company server. The method according to claim 1,
Obtaining second authentication information from the user, and
And transmitting the second authentication information to the financial company server to request approval of the loan. The method according to claim 1,
The step of performing the identity authentication processing includes:
Acquiring biometric information of the user;
Transmitting the first authentication information including the biometric information to the financial company server to request user authentication, and
And receiving an authentication result using the first authentication information from the financial company server. The method according to claim 1,
Wherein the first authentication information includes a user photographed image of the user through a camera and ID image data obtained by scanning the ID of the user through a scanner,
The step of performing the identity authentication processing includes:
Transmitting the first authentication information to the administrator terminal, and completing the identity authentication according to the authentication confirmation text received from the administrator terminal. The method according to claim 1,
Displaying a personal information inquiry agreement input screen,
Receiving a personal information inquiry agreement input from the user, and
And transmitting the personal information inquiry agreement input to the financial company server. 6. The method of claim 5,
Displaying a loan agreement on a screen,
Receiving a loan agreement agreement input from the user, and
And transmitting the loan agreement agreement input to the financial company server. The method according to claim 1,
Receiving a loan type selection input from the user,
Transmitting the loan type selection input to the financial company server,
Receiving a loan guide message corresponding to the loan type selection input from the financial institution server; and
Further comprising the step of displaying a loan information screen including the loan information dictionary. 3. The method of claim 2,
Wherein the second authentication information includes at least one of an account password, an authentication key obtained from a secure medium, biometric information of the user, and an authentication key transmitted to the user's mobile device. A method of providing a loan service of a financial terminal,
Acquiring first authentication information for authenticating the user from the user,
Performing authentication processing using the first authentication information,
If the authentication of the user is successful, receiving from the financial company server a deposit guarantee loan statement including an account list in which the mortgage loan is set,
Displaying an account selection screen including the account list,
Receiving loan extension application information including account selection information and a smoke expiration date from a user,
Transmitting the loan extension application information to the financial company server, and
Displaying the loan extension completion confirmation message as the loan extension is approved from the financial company server. 10. The method of claim 9,
Obtaining second authentication information from the user, and
And transmitting the second authentication information to the financial company server to request approval of extension of the loan. 10. The method of claim 9,
The step of performing the identity authentication processing includes:
Acquiring biometric information of the user;
Transmitting the first authentication information including the biometric information to the financial company server to request user authentication, and
And receiving an authentication result using the first authentication information from the financial company server. 10. The method of claim 9,
Wherein the first authentication information includes a user photographed image of the user through a camera and ID image data obtained by scanning the ID of the user through a scanner,
The step of performing the identity authentication processing includes:
Transmitting the first authentication information to the administrator terminal, and completing the identity authentication according to the authentication confirmation text received from the administrator terminal. 11. The method of claim 10,
Wherein the second authentication information includes at least one of an account password, an authentication key obtained from a secure medium, biometric information of the user, and an authentication key transmitted to the user's mobile device. Display unit,
A communication unit for communicating with a financial company server or an administrator terminal,
Authentication information acquiring means for acquiring first authentication information from a user,
Wherein the first authentication information is used to authenticate the user using the first authentication information, and if the first authentication is successful, the second user receives loan application information including the security account selection information and the loan application amount from the user, And displays a loan completion confirmation message received from the financial company server on the display unit when the loan is approved from the financial company server. 15. The method of claim 14,
Wherein the control unit obtains the second authentication information through the authentication information acquiring unit and transmits the second authentication information to the financial company server to request approval of the loan. 15. The method of claim 14,
Wherein the control unit receives from the financial company server account information including a collateralizable account list and a loanable amount of each account upon successful authentication of the user and displays the received account information on the display unit and selects any one of the collateralizable account lists And the security account selection information. 15. The method of claim 14,
Wherein the control unit performs the identity authentication process using the third authentication information acquired through the authentication information acquisition unit and includes the account selection information and the smoke expiration date from the user when the identity authentication using the third authentication information is successful And transmits the loan extension application information to the financial company server. When the credit extension extension is approved from the financial company server, the credit extension completion confirmation received from the financial company server is displayed on the display unit Financial terminal.

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