KR20220045812A - Automated Teller Machine - Google Patents

Abstract

An automated teller machine according to an embodiment of the present invention comprises: a frame storing a medium; an interface support unit positioned at a front side on the frame; an interface module supported by the interface support unit and formed to be operable for a financial transaction; and a control unit controlling the interface module. The interface module includes: an interface body formed such that a portion of the upper surface is open and having an accommodation space; a manipulation unit disposed on the upper surface of the interface body and outputting a financial transaction screen to a user; a mounting unit which is accommodated in the accommodation space and in which a user's hand may be mounted; a sensor unit disposed on the upper surface of the interface body to perform biometric authentication by sensing the vein of the user's hand mounted in the mounting unit; and an actuator accommodated in the accommodation space and moving the mounting unit in a vertical direction. The control unit may control the actuator such that the mounting unit moves in a vertical direction. The present invention can maintain high level security in a financial transaction.

Description

Financial Automation Machine {Automated Teller Machine}

The present invention relates to an automated financial device.

In general, automated teller machines (ATMs) can provide unattended financial services such as deposit and withdrawal of cash and checks using a card or passbook without a bank employee, regardless of time and place in relation to financial services. It is an automated device.

The use of financial automation devices is increasing not only in financial institutions such as banks, but also in convenience stores, department stores, and public places. Automated financial devices can be divided into ATMs, deposit machines, and deposit/withdrawal machines depending on whether they deposit or withdraw money. there is.

Automatic financial devices currently perform user authentication through a password method or a fingerprint recognition method. The password method is a method of determining whether a predetermined password registered in advance matches the password input by the user. The fingerprint recognition method is a method of determining whether fingerprint information of a previously registered user and fingerprint information input to the automated financial device by the user match.

The password method has a risk of being exposed to other people when entering the password, and the fingerprint recognition method has a problem in that fingerprint recognition cannot be performed smoothly when the user's fingerprint is worn out.

Embodiments of the present invention were invented in view of the above background, and an object of the present invention is to provide a financial automation device that performs biometric recognition through a user's vein.

An object of the present invention is to provide a financial automation device including a holder on which a user's hand can be mounted in order to detect a user's veins.

An automated financial device according to an embodiment of the present invention includes a frame forming an exterior, an interface support located on the front side of the frame, an interface module supported by the interface support, and operably formed for financial transactions, and the interface module and a control unit for controlling the interface module, wherein the interface module includes an interface body having an accommodating space formed thereon by opening a portion of its upper surface, a manipulation unit disposed on the upper surface of the interface body, and operated by a user, accommodated in the accommodating space, and the user A holding unit capable of holding the hand of a sensor unit disposed on the upper surface of the interface body and configured to perform biometric authentication by detecting a vein of the user's hand mounted on the mounting unit, accommodated in the receiving space, and the The actuator for moving the mounting part in the vertical direction and the controller may control the actuator so that the mounting part moves in the vertical direction.

The manipulation unit may include an output unit for outputting a financial transaction screen for the financial transaction and an input unit operable by the user, and the mounting unit may be disposed in front of the input unit.

The accommodating space, the mounting portion and the actuator may be formed in plurality, and the sensor unit may be positioned between the plurality of mounting units.

The height of the plurality of mounting portions protruding from the interface body may be the same.

The interface module may further include a cover configured to open and close the accommodation space, and when the holder moves upward, the cover may open the accommodation space by the holder.

The interface body may be tilted obliquely as it is supported by the interface support part so that the position of the rear side is higher than the position of the front side.

The control unit may activate the sensor unit in the user authentication step included in the financial transaction, and drive the actuator to move the mounting unit in an upward direction.

Since the automated financial device according to the embodiments of the present invention can perform biometric recognition through the user's vein, it is possible to maintain high security in financial transactions compared to the related art.

In addition, as the mounting unit is moved in the vertical direction by the actuator, the position of the mounting unit may be disposed regardless of the position of the input unit.

1 is a perspective view of a financial automatic machine according to a first embodiment of the present invention.
2 is a block diagram of an interface module of a financial automatic machine according to the first embodiment of the present invention.
3 is a view showing a state in which the holder of the financial automatic machine is accommodated in the receiving space according to the first embodiment of the present invention.
4 is a view showing a state in which the mounting portion of the financial automatic machine is exposed to the outside of the interface body according to the first embodiment of the present invention.
5 is a view showing a tilted state of the interface module of the automatic financial machine according to the second embodiment of the present invention.

Hereinafter, specific embodiments for implementing the technical idea of the present invention will be described in detail with reference to the drawings.

In addition, in the description of the present invention, if it is determined that a detailed description of a related known configuration or function may obscure the gist of the present invention, the detailed description thereof will be omitted.

In addition, when it is mentioned that a certain element is 'supported' on another element, it may be directly supported on the other element, but it should be understood that another element may exist in the middle.

The terminology used herein is only used to describe specific embodiments and is not intended to limit the present invention. The singular expression includes the plural expression unless the context clearly dictates otherwise.

Also, terms including an ordinal number such as 1st, 2nd, etc. may be used to describe various components, but the components are not limited by these terms. These terms are used only for the purpose of distinguishing one component from another.

The meaning of "comprising," as used herein, specifies a particular characteristic, region, integer, step, operation, element and/or component, and other specific characteristic, region, integer, step, operation, element, component, and/or group. It does not exclude the existence or addition of

In addition, in this specification, the expression of the upper part, the lower part, the upper surface, etc. has been described with reference to the drawings, and it is to be noted in advance that if the direction of the corresponding object is changed, it may be expressed differently.

Hereinafter, an automated financial device according to an embodiment of the present invention will be described with reference to the drawings.

1 to 4 , the automated financial device 1 according to the first embodiment of the present invention includes a frame 10 , an interface support unit 20 , an interface module 30 , and a control unit 40 . can do.

The frame 10 may be formed of a frame and/or a housing that provides the appearance of the automated financial device 1 . In addition, a storage unit (not shown) for storing a medium may be provided inside the frame 10 . The medium may be formed as a bill, a check, or the like. In addition, the frame 10 may include a carrier path for storing the medium and a medium discrimination unit capable of discriminating the medium.

The interface support unit 20 may be positioned in front of the frame 10 to support the interface module 20 . For example, a space into which the interface module 30 can be inserted may be formed in the interface support unit 20 . Also, the interface support unit 20 may include an input unit 210 and a deposit/withdrawal unit 220 .

The input unit 210 may include a card slot for inserting a card and a passbook for inserting a passbook. A user may perform a financial transaction by inserting a card into the card slot or inserting a passbook into the passbook slot.

The deposit/withdrawal unit 220 may provide a deposit/withdrawal space for inputting or receiving media. The deposit and withdrawal unit 220 may be provided with a belt, a motor, etc. for transferring the medium. The medium input to the deposit/withdrawal unit 220 may be transferred to the storage unit of the frame 10 , and the medium stored in the storage unit may be transferred to the deposit/withdrawal unit 20 .

The interface module 30 is supported by the interface support unit 20 and may be operably formed for financial transactions. Such an interface module 30 may be operated by a user. A financial transaction may include a plurality of steps such as card or passbook recognition, input, authentication, withdrawal and transfer. The card or passbook recognition step is a step of acquiring card or passbook information by recognizing a card or passbook inserted by the user into the card slot or passbook slot. The input step is a step of recognizing at least one of an amount and an account number input to the operation unit 340 to be withdrawn or transferred. The authentication step is a step of performing user authentication for financial transactions by acquiring at least one of the user's password, iris, and vein. The withdrawal and transfer step is a step of withdrawing a bill or transferring a bill to another account according to the items input to the operation unit 340 .

As shown in FIGS. 1 and 2 , the interface module 30 includes an interface body 310 , a cover 320 , a deposit/withdrawal unit 230 , a manipulation unit 340 , a mounting unit 350 , and a sensor unit 360 . , an actuator 370 may be included.

The interface body 310 may form an exterior of the interface module 30 , and a user may perform a financial transaction at a position close to the front of the interface body 310 . The interface body 310 may be supported by the interface support 20 . For example, the interface body 310 may be inserted into the interface supporter 20 such that the upper surface thereof is exposed, or the lower surface of the interface body 310 may be supported by the interface supporter 20 .

In addition, the interface body 310 may be formed such that a portion of its upper surface is opened to form an accommodating space (S). The accommodating space (S) is formed as a space separated from other electronic devices, so that the mounting unit 350 and the actuator 370 can be accommodated therein. Even if an external object is inserted into the receiving space (S), it cannot contact anything other than the components inside the receiving space (S), so it is possible to prevent the interface module 30 from malfunctioning or the media from being stolen from the automated financial device (1). .

3 and 4 , the receiving space (S) extends in a downward direction from the top surface of the interface body 310 and in a direction parallel to the top surface of the interface body 310 on the side surface 312 and the side surface 312 . It may be formed by the bottom surface 314 extending to the . In addition, the accommodating space (S) may be formed in plurality. The plurality of accommodating spaces S may include a first accommodating space S1 and a second accommodating space S2.

The first accommodating space S1 includes a first side surface 312a extending downward from the top surface of the interface body 310 and extending in a direction parallel to the top surface of the interface body 310 from the first side surface 312a. The first bottom surface 314a may be formed.

The second accommodating space S2 includes a second side surface 312b extending downward from the upper surface of the interface body 310 and extending in a direction parallel to the upper surface of the interface body 310 from the second side surface 312b. The second bottom surface 314b may be formed.

In addition, the second accommodating space (S1) may be formed to be closer to the front of the interface body 310 than the first accommodating space (S2).

The cover 320 is located on an open portion of the upper surface of the interface body 310 and is configured to open and close the receiving space S, and serves to prevent foreign substances from entering the receiving space S. For example, the cover 320 may be rotatably supported on the upper surface of the interface body 310 in order to selectively open and close the receiving space (S). The cover 320 is rotated as it comes into contact with the holder 350 that is moved in the upward direction by the actuator 370 to open the accommodation space (S). Conversely, the cover 320 may close the accommodation space S through the cover connection part 380 when the actuator 370 moves downward.

The cover 320 may be formed in plurality to correspond to the number of the accommodation spaces (S). The plurality of covers 320 may include a first cover 322 and a second cover 324 .

Referring back to FIGS. 3 and 4 , the first cover 322 may be formed to open and close the first accommodation space S1 . The first cover 322 may open the first accommodating space S1 as the first holder 352, which will be described later, moves upward. In addition, the rotation direction of the first cover rotated to open the first accommodation space (S) may be formed forward. The front side may be formed as a front side of the interface body 310 . Conversely, as the first mounting portion 352 moves downward, the first accommodation space S1 may be closed.

The second cover 324 may be formed to open and close the second accommodation space S2. The second cover 324 may open the second accommodating space S2 as the second mounting part 354, which will be described later, moves upward. The rotation direction of the second cover 324 which is rotated to open the second accommodation space S may be formed in a rearward direction. The rear may be formed as the rear of the interface body 310 . Conversely, as the second mounting portion 354 moves downward, the second accommodation space S2 may be closed.

In addition, the second cover 324 may be formed to be closer to the front of the interface body 310 than the first cover 322 .

Referring back to FIG. 1 , the manipulation unit 340 may be disposed on the upper surface of the interface body 310 to output a financial transaction screen and to be operated by a user. A user may perform a financial transaction through the financial transaction screen output from the operation unit 340 . The outputted financial transaction screen may be formed as any one of the screens corresponding to each stage of the financial transaction. The screen may include text, objects, and the like. The object may be selected as the user manipulates the manipulation unit 340 . Also, the manipulation unit 340 may include an output unit 342 and an input unit 344 .

The output unit 342 may be configured to output a screen for performing a financial transaction. For example, the output unit 342 may be formed as a touch screen and may be manipulated by a user while outputting a financial transaction screen. When the user operates the output unit 342 , the financial transaction screen may be changed by the control unit 40 .

The input unit 342 may be operably formed by a user for performing a financial transaction. For example, the input unit 342 may be formed of a number pad that can be operated by a user, and Braille may be formed on the number pad. When the user operates the input unit 342 , the controller 40 may control the financial transaction screen.

In addition, the input unit 342 may be formed to be closer to the rear of the interface body 310 than the mounting unit 350 .

The holding unit 350 may hold the user's hand. Also, the mounting unit 350 may be accommodated in the receiving space S, and may be moved in the vertical direction by the actuator 370 . When moved upward by the actuator 370 , the mounting part 350 may be exposed to the outside of the interface body 310 . Conversely, when the actuator 370 moves downward, the mounting part 350 may be accommodated in the accommodation space S. The mounting portion 350 may be formed to be closer to the interface of the interface body 310 than the input unit 342 .

Also, a plurality of mounting units 350 may be formed. The plurality of mounting units 350 may include a first mounting unit 352 and a second mounting unit 354 .

Referring back to FIGS. 3 and 4 , the first cradle 352 may be accommodated in the first accommodating space S1 , and is formed to be closer to the rear of the interface body 310 than the second cradle 354 . can be The first holding part 352 may be formed to hold the user's finger. The upper surface of the first mounting part 352 may be formed as a wavy surface corresponding to the shape of a finger.

The second cradle 354 may be accommodated in the second accommodating space S, and may be formed in front of the first cradle 352 . The second holder 354 may be formed to mount the user's wrist, and the upper surface of the second holder 354 may have a curved surface corresponding to the wrist.

In addition, since the first mounting part 352 and the second mounting part 352 are located in front of the input unit 344 , the first mounting part 352 and the second mounting part protruding from the outside of the interface body 310 . The height of 354 may be formed to be the same.

Referring back to FIG. 1 , the sensor unit 360 is disposed on the upper surface of the interface body 310 and serves to detect the veins of the user's hand mounted on the mounting unit 350 to perform biometric authentication. Since veins have a unique pattern for each person like a fingerprint or iris, they can be used for biometric authentication. For example, the sensor unit 360 may detect the user's vein information by irradiating infrared rays to the hand to see blood vessels. In addition, the sensor unit 360 may perform biometric authentication by comparing the detected vein information with the vein information stored in advance, and may transmit whether the vein information matches or not to the controller 40 .

The sensor unit 360 may be disposed between the first mounting unit 352 and the second mounting unit 354 in order to efficiently detect the veins of the hand.

Referring back to FIGS. 3 and 4 , the actuator 370 may be accommodated in the accommodation space S to move the mounting unit 350 in the vertical direction. The actuator 370 moves the mounting unit 350 in an upward direction to expose the mounting unit 350 to the outside of the interface body 310, or moves the mounting unit 350 downward to move the receiving space (S). ) can be accommodated. For example, the actuator 370 may be formed of a motor or a rack and pinion, but is not limited thereto.

Also, a plurality of actuators 370 may be formed. The plurality of actuators 370 may include a first actuator 372 and a second actuator 374 .

The first actuator 372 may be accommodated in the first accommodation space S1 to move the first holder 352 in the vertical direction. By the first actuator 372 , the first holder 352 may be moved upward while pushing the first cover 322 to be exposed to the outside of the interface body 310 .

The second actuator 374 may be accommodated in the second accommodation space S2 to move the second holder 354 in the vertical direction. By the second actuator 374 , the second mounting portion 354 may be moved upward while pushing the second cover 324 to be exposed to the outside of the interface body 310 .

The cover connection part 380 may be formed on the upper surface of the interface body 310 to support the cover 320 . The cover connection part 380 may include a rotation shaft connected to the cover 320 and a torsion spring installed on the rotation shaft.

The cover 320 may be rotated based on the rotation axis by the cover connection part 380 . In addition, when the mounting part 350 is moved in the downward direction, the cover 320 may close the accommodation space S as it is rotated by the restoring force of the torsion spring. In addition, a plurality of cover connection parts 380 may be formed according to the number of covers 320 .

The control unit 40 may be positioned at any one of the frame 10 , the interface support unit 20 , and the interface body 310 to control the interface module 20 . The control unit 40 may control the financial transaction screen, the sensor unit 360 and the actuator 370 . When the user operates the manipulation unit 340 for a financial transaction, the control unit 40 may output a financial transaction screen corresponding to the manipulation item to the output unit 342 of the manipulation unit 340 . For example, a financial transaction screen corresponding to each step of the aforementioned financial transaction may be output.

Also, the controller 40 may control the actuator 370 so that the mounting unit 350 moves in the vertical direction. For example, in the user authentication stage during a financial transaction, the sensor unit 360 is activated and the actuator 370 is driven to perform authentication to expose the mounting unit 350 to the outside of the interface body 310 . can Thereafter, it is possible to receive the vein information matching information transmitted from the sensor unit 360 and switch the financial transaction screen to a later stage based on the received information.

When receiving the vein information matching information, the control unit 40 may output a financial transaction screen corresponding to the withdrawal and the human body stage to the output unit 342 . Conversely, when receiving the vein information mismatch information, after outputting a financial transaction screen corresponding to the authentication mismatch information to the output unit 342 , the financial transaction may be terminated.

The interface body 310 of the automated financial device 1 according to the second embodiment of the present invention may be tilted.

As shown in FIG. 5 , the interface body 310 may be tilted obliquely as it is supported by the interface support unit 20 so that the position of the rear side of the interface body 310 is higher than the position of the front side.

For example, when the interface body 310 is inserted into the frame 10 so that the upper surface thereof is exposed, the rear side of the interface body 310 may be exposed to the outside as it is tilted. By tilting the interface body 310 as described above, light reflected from the upper surface of the interface body 310 to the user can be reduced, and the height of the mounting unit 350 can be adjusted to suit the user. An angle at which the interface body 310 is tilted may be formed to be 5 degrees or less.

In addition, both front ends of the interface body 310 are hinged in the interface support 20, and as an actuator (motor-lead screw) is coupled to the lower bottom of the interface body 310, the interface body 310 is formed. It can be tilt driven.

Hereinafter, the operation and effect of the automated financial device 1 according to an embodiment of the present invention will be described.

As the mounting part 350 of the automated financial device 1 is formed to be moved in the vertical direction by the actuator 370 , it may be disposed on the interface body regardless of the position of the input unit 342 . For example, the mounting unit 350 may be disposed closer to the front side of the interface body 310 than the input unit 342 .

Unlike the present invention, if the mounting unit 350 is not accommodated in the receiving space S and is disposed on the front side of the interface body 310 rather than the input unit 342 , it may interfere with the operation of the input unit 342 .

In addition, as the cradle 350 of the automated financial device 1 is formed to be moved in the vertical direction by the actuator 370 , the first cradle 352 and the second cradle exposed to the outside of the interface body 310 are The height of the part 354 may be the same.

Unlike the present invention, if the mounting unit 350 is not accommodated in the receiving space S, the mounting unit 350 may be disposed behind the input unit 342 in order not to interfere with the manipulation of the input unit 342 . When user authentication is performed in the disposition state of the mounting unit 350 , the user has to extend his or her arm inconveniently. In addition, since the angle between the user's arm and the body is increased, the second cradle 354 is formed higher than the first cradle 352 , thereby affecting the aesthetics of the automated financial device 1 .

In addition, as only the actuator 370 and the mounting part 350 are provided in the accommodation space S, even if an object or foreign material penetrates the accommodation space S, it cannot contact other components of the interface module 30, so that the medium cannot It is possible to prevent deodorization or damage to the interface module 30 .

Although the embodiments of the present invention have been described as specific embodiments, these are merely examples, and the present invention is not limited thereto, and should be construed as having the widest scope according to the technical idea disclosed in the present specification. A person skilled in the art may implement a pattern of a shape not specified by combining/substituting the disclosed embodiments, but this also does not depart from the scope of the present invention. In addition, those skilled in the art can easily change or modify the disclosed embodiments based on the present specification, and it is clear that such changes or modifications also fall within the scope of the present invention.

1: Financial automation device 10: Frame
20: interface support 30: interface module
40: control unit 210: input unit
220: deposit and withdrawal unit 310: interface body
312: side 312a: first side
312b: second side 314: bottom surface
314a: second bottom surface 314b: second bottom surface
320: cover 322: first cover
324: second cover 340: operation unit
342: output unit 344: input unit
350: holding part 352: first holding part
354: second mounting unit 360: sensor unit
370: actuator 372: first actuator
374: second actuator

Claims (7)

frame forming the facade;
an interface support located in front of the frame;
an interface module supported by the interface support unit and operably formed for financial transactions; and
A control unit for controlling the interface module,
The interface module is
an interface body in which a portion of the upper surface is opened to form an accommodating space;
a manipulation unit disposed on the upper surface of the interface body and operated by a user;
a holding unit accommodated in the receiving space and capable of holding the user's hand;
a sensor unit disposed on the upper surface of the interface body and configured to perform biometric authentication by detecting a vein of the user's hand mounted on the cradle;
an actuator accommodated in the accommodating space and configured to move the holder in the vertical direction; and
The control unit controls the actuator so that the mounting portion moves in the vertical direction,
financial automation equipment. The method of claim 1,
The operation unit,
an output unit for outputting a financial transaction screen for the financial transaction; and
and an input unit operable by the user,
The holding part is disposed in front of the input part,
financial automation equipment. The method of claim 1,
The accommodating space, the mounting portion and the actuator are formed in plurality,
The sensor unit is located between the plurality of mounting units,
financial automation equipment. 4. The method of claim 3,
The plurality of mounting portions protruding from the interface body are formed to have the same height,
financial automation equipment. The method of claim 1,
The interface module is
Further comprising a cover configured to be able to open and close the accommodation space,
When the mounting portion is moved in the upward direction, the cover opens the receiving space by the mounting portion,
financial automation equipment. The method of claim 1,
The interface body is tilted obliquely as it is supported by the interface support so that the position of the rear side is higher than the position of the front side.
financial automation equipment. The method of claim 1,
The control unit activates the sensor unit in the user authentication step included in the financial transaction, and drives the actuator to move the mounting unit upward.
financial automation equipment.

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