WO2017018597A1

WO2017018597A1 - Method and system for providing cash deposit/withdrawal service using mobile communication terminal

Info

Publication number: WO2017018597A1
Application number: PCT/KR2015/010602
Authority: WO
Inventors: 김길영; 최의성; 김지민
Original assignee: 주식회사 우리은행
Priority date: 2015-07-24
Filing date: 2015-10-07
Publication date: 2017-02-02
Also published as: KR101637844B1

Abstract

A method for providing a cash deposit/withdrawal service using a mobile communication terminal according to the present invention enables quick and simple processing of a cash deposit/withdrawal task through transmission of information between the mobile communication terminal, such as a smart phone, and an automatic teller machine (ATM). The method enables a user to use a cash deposit/withdrawal service by using only a personal portable terminal, such as a smart phone, and thus enables the user to quickly and simply process the cash deposit/withdrawal task without the inconvenience of carrying a card or a bank account.

Description

Method and system for providing cash withdrawal service using mobile communication terminal

The present invention relates to a method and a system for providing a cash withdrawal service using a mobile communication terminal, and more particularly, a cash withdrawal service quickly and easily through information transmission between a mobile communication terminal such as a smartphone and an ATM. The present invention relates to a method and system for providing a cash withdrawal service using a mobile communication terminal to enable the processing of the service.

Thanks to the development of Internet technology, many financial tasks can be done online, and thus, the necessity for the user of the financial service to always carry a bankbook or a card is gradually reduced. In particular, such a trend is further accelerated by allowing a mobile card such as a smart phone to process business such as general card payment.

However, among the many financial services, it is still necessary to use a bank account or a card only for the transaction of cash and withdrawal, and for this reason, the majority of financial services can still be processed through a computer or a mobile terminal. Financial services users carry more than one card in their bag or purse.

Therefore, the present invention intends to propose a new method for enabling direct withdrawal and withdrawal of cash at an ATM using a mobile communication terminal such as a smartphone without using a bankbook or a card.

The present invention has been made to solve the above-described problems, mobile communication for enabling the quick and easy processing of cash withdrawal business through the transmission of information between a mobile communication terminal such as a smart phone and ATM (ATM). An object of the present invention is to provide a method and system for providing a cash withdrawal service using a terminal.

The object of the present invention is not limited to the above-mentioned object, and other objects and advantages of the present invention which are not mentioned above can be understood by the following description, and will be more clearly understood by the embodiments of the present invention. Also, it will be readily appreciated that the objects and advantages of the present invention may be realized by the means and combinations thereof indicated in the claims.

A method for providing a cash withdrawal service using a mobile communication terminal of the present invention for achieving the above object, in the cash withdrawal service providing system using a mobile communication terminal, a token for deposit or withdrawal service from a user terminal with a dedicated application activated; a first step in which a token generation request is received; A second step of generating a token to correspond to the request for creating a token received through the first step and transmitting the token to the user terminal; A third step of transmitting the token information to an ATM (cash machine) from the user terminal that has received the token information transmitted through the second step; A fourth step of receiving the token information from the ATM which has received the token information through the third step; And a fifth step of providing the deposit or withdrawal service through the ATM when there is no abnormality after performing the validity review of the token information transmitted through the fourth step.

In this case, the validity check of the fifth step may be performed by comparing the sameness between the token information generated through the second step and the token information transmitted through the fourth step.

In addition, the validity check of the fifth step may include determining whether the time from the transmission point of the token information generated through the second step to the reception point of the token information received through the fourth step is within a prescribed valid time. Further determination may be made, and in this case, the validity time may be 1 minute.

At this time, the third step, the token is converted into the track 3 (Track 3) information form of the magnetic card through the user terminal information to the ATM by the NFC (Near Field Communication) or MST (Magnetic Secure Transmission) method May be configured to be transmitted.

Here, the cash deposit or withdrawal service applied to the cash withdrawal service providing method using a mobile communication terminal according to an embodiment of the present invention, a commercial mobile that can be charged or used through the deposit or withdrawal financial account linked to the user terminal or the user terminal. It may be configured to be made using a mobile pay.

On the other hand, the present invention, a dedicated application is mounted, the user terminal having an NFC or MST function; ATM (Automated Teller Machine) capable of transmitting and receiving data with the user terminal through NFC or MST method; And a financial server that manages deposit and withdrawal transaction details through data transmission and reception with the user terminal and the ATM. When the financial server receives a request for processing a deposit or withdrawal service from the user terminal, the user terminal and interworking with the user terminal and the ATM are provided. After performing security authentication and validity check on the ATM being used, it is possible to provide a cash withdrawal service providing system using a mobile communication terminal configured to process a deposit or withdrawal service through the ATM.

Here, as described above, the deposit or withdrawal service may be performed using a deposit and withdrawal financial account linked to the user terminal or a commercial mobile payable or charged through the user terminal.

Specific details of other embodiments are included in the detailed description and the accompanying drawings.

Advantages and / or features of the present invention and methods for achieving them will become apparent with reference to the embodiments described below in detail in conjunction with the accompanying drawings. However, the present invention is not limited to the embodiments disclosed below, but may be implemented in various forms, and only the present embodiments are intended to complete the disclosure of the present invention and to those skilled in the art. It is provided to inform the full scope of the invention, which is to be defined only by the scope of the claims.

Throughout the specification, the same reference numerals refer to the same components, it should be understood that the size, position, coupling relationship, etc. of each component constituting the invention may be exaggerated for clarity of the specification. In addition, in the following description of the present invention, if it is determined that related related art and the like may obscure the gist of the present invention, detailed description thereof may be omitted.

According to the present invention as described above, the cash withdrawal service can be provided using only a personal portable terminal such as a smart phone, so that it is possible to quickly and easily process the cash withdrawal work without the hassle of carrying a card or bankbook, etc. There are advantages such as that.

In addition, since there is no need for a separate certification body to intervene in this process, it is possible to provide additional advantages such as preventing unnecessary fees.

1 is a schematic configuration diagram of a system for providing cash withdrawal service using a mobile communication terminal according to an embodiment of the present invention.

2 is a flowchart illustrating a method for providing cash withdrawal service using a mobile communication terminal according to an embodiment of the present invention.

The above objects, features, and advantages will be described in detail with reference to the accompanying drawings, whereby those skilled in the art to which the present invention pertains may easily implement the technical idea of the present invention. In describing the present invention, when it is determined that the detailed description of the known technology related to the present invention may unnecessarily obscure the gist of the present invention, the detailed description will be omitted.

Hereinafter, exemplary embodiments of the present invention will be described in detail with reference to the accompanying drawings. In the drawings, the same reference numerals are used to indicate the same or similar components.

Referring to FIG. 1, a system for providing a cash withdrawal service using a mobile communication terminal according to an embodiment of the present invention includes a user terminal 110, an automated teller machine (ATM), a financial server 130, and the like. You can see that it is configured to include.

The user terminal 110 may include a financial server connection function, a near field communication (NFC) function, a magnetic secure transmission (MST) function, or the like.

That is, the user terminal 110 may process services through a direct connection with the financial server 130 to perform smart banking or similar financial service functions, and transmit and receive ATM 120 data through an NFC function or an MST function. And the like may be configured to be possible.

In addition, the user terminal 110 may be configured to be capable of processing a commercial mobile pay service, such as Samsung Pay (Pay), Apple Pay or Kakao Pay.

For this purpose, it may be desirable to install an application dedicated to financial services or an application related to mobile pay on the user terminal 110. Therefore, such a user terminal 110 may be a personal portable device such as a smartphone or a tablet PC. It will be apparent to one skilled in the art that a mobile communication terminal may be preferred.

ATM 120 may be configured by a conventional ATM, but, it is preferable to have a corresponding function to enable short-range data communication such as NFC or MST with the user terminal 110.

The financial server 130 is a server for supporting services such as Internet banking, and may be configured to support a token generation function through interworking with the user terminal 110. Here, the token means a one-time temporary account number, and it is natural that the support of such a service may be possible through the provision of a dedicated server and a database linked thereto for processing of token related tasks in the financial server 130. However, in the description of the embodiment of the present invention, it is described that the support of the token-related service is made through the financial server 130.

In other words, the present invention, using a banking account that can deposit and withdraw cash, or a variety of commercial mobile pay, such as Samsung Pay, Apple Pay and Kakao Pay charged in the user terminal 110, the user can easily and simply cash withdrawal service through ATM It relates to a method for making it available.

For example, referring to the withdrawal service, a user who wants to use the cash withdrawal service using the user terminal 110 selects a withdrawal service after accessing the financial server 130 through the operation of a dedicated application. The amount of withdrawal may be selected through tagging with the ATM 120.

Then, the financial server 130 performs security authentication and the like through data communication with the user terminal 110 and the ATM 120, the balance information of the commercial mobile pay provided in the user terminal 110 or the user terminal 110 After checking the banking account information, etc., which are available for service, if there is no error, the withdrawal service requested by the user is supported through the ATM 120.

On the contrary, in the case of a deposit service, when the user accesses the financial server 130 through the user terminal 110 and selects a deposit service, and deposits cash through an authentication process after tagging with the ATM 120, the financial server 130 may be provided to the user terminal 110 by depositing the corresponding amount into a user-specified account or converting it into a user-specified mobile pay. In this case, when there are a plurality of accounts linked to the user terminal 110 or a plurality of types of mobile pay services available through the user terminal, the user may designate one or more deposit accounts or charging mobile pays through selection input. Naturally, it can be configured.

Hereinafter, a detailed execution process for the above-described schematic operation will be described in detail through separate drawings.

Referring to FIG. 2, a method for providing a cash withdrawal service using a mobile communication terminal according to an embodiment of the present invention includes an application driving step (S212), a token request step (S214), and a token information receiving step (S216) through a user terminal. ) And token information transmission step (S2218), token information reception step through ATM (S222), token information transmission step (S224) and deposit / withdrawal step (S226), token generation step (S232) through the financial server, token The information transmission step (S234), the token information receiving step (S236) and the validity check step (S238) and the like can be confirmed that is configured.

That is, when a user selects a deposit / withdrawal service through a user terminal having a dedicated application (S212), the user terminal transmits a token request signal to the financial server (S214).

Then, the financial server receives the token request signal S214, generates a token corresponding thereto (S232), and transmits the generated token information (S232) back to the user terminal (S234).

The user terminal receiving the token information transmitted from the server (S234) (S216), and transmits the corresponding token information to the ATM (S218) through NFC or MST (Magnetic Secure Transmission), in the process of deposit / withdrawal and It may also be possible to enter relevant information via ATM.

At this time, the token information transmitted to the ATM side (S218) may be data converted into a track 3 (Track 3) information form of the magnetic card through the user terminal, the track 3 information is usually composed of information related to the bank account 107 bytes It can be made to have a data size of.

The ATM, which receives the token information from the user terminal (S222), transmits the corresponding token information to the financial server side (S224), and the financial server that receives the received information (S236) checks the validity of the corresponding token information (S238). Control to perform the deposit / withdrawal service (S226).

In this case, the validity review (S238) may be preferably performed in two aspects. In other words, the validity review (S238) may be performed by comparing the identity of token information and determining the validity of a business processing time.

As described above, the financial server may first examine the validity of the corresponding service (S238) by comparing whether the token information received from the ATM (S236) and the token information generated by itself (S232) are the same, and also, The validity check (S238) may be performed by determining whether the total time taken from the time of transmitting the token information to the user terminal (S234) to the time of receiving the token information from the ATM (S236) is within the service processing valid time range. Can be.

That is, a primary identity comparison is performed to determine the terminal designated by the user and the ATM device by determining whether the one-time temporary account information generated and transmitted by the financial server is properly delivered to the ATM. By determining whether the ATM device is adjacent to each other, a second valid time determination may be performed to fundamentally prevent the criminal activity such as financial fraud from intervening. Therefore, the valid time may be preferably set to a minimum time in consideration of the time required for data communication, etc. In the embodiment of the present invention, it is specified to set this to 1 minute (60 seconds). However, it is a matter of course that the present invention is not necessarily limited thereto, and for example, it may be possible to apply a modified configuration such that the order of the first validity review and the second validity review is changed.

Taking a specific service as an example, each process described above will be described once again.

For example, a user who wants to withdraw cash using a balance of a commercial mobile page or a financial account charged in a terminal first finds an ATM capable of supporting a service and drives a dedicated application (S212). Then, the user terminal automatically transmits the token generation request signal to the financial server (S214), and the financial server generates the corresponding token (S232) and then transmits the token information generated (S232) to the user terminal (S234). .

When the user performs data communication with the ATM such as NFC or MST using the terminal on which the application is driven, token information received from the financial server (S216) in this process is transmitted from the terminal to the ATM side (S218).

Thereafter, while the user inputs or waits for information such as the amount of withdrawal at the ATM, the ATM transmits the received token information (S222) to the financial server side (S224) to complete the validity review (S238), and then the validity is recognized. Only if it is possible to withdraw the cash corresponding to the information entered by the user (S226).

In the case of a cash deposit service, cash deposited through an ATM may be directly credited to a financial account linked to a user terminal, or converted into a commercial mobile pay and charged to the user terminal. As described above, one or more deposit destinations can be selected and specified among commercial mobile pay services of.

Therefore, according to the method of providing a cash withdrawal service using the mobile communication terminal of the present invention as described above, the cash withdrawal service can be provided using only a personal portable terminal such as a smart phone, without the hassle of carrying a card or a bankbook. In addition to being able to process the cash withdrawal business, there is an advantage that it is possible to provide a quick and convenient cash withdrawal service because no additional fees are incurred in this process.

In the embodiment of the present invention described above, the support of the token-related service is described as being made through a financial server, but such a service may be supported through a separate dedicated token server connected to the financial server and a database linked thereto. As mentioned above, it can be.

As described above, the present invention may be variously substituted, modified, and changed without departing from the technical spirit of the present invention by those skilled in the art to which the present invention pertains. It is not limited by.

Claims

In the cash deposit and withdrawal service providing system using a mobile communication terminal,

A first step of receiving a token generation request for a deposit or withdrawal service from a user terminal in which a dedicated application is activated;

A second step of generating a token to correspond to the token generation request received through the first step and then transmitting the token to the user terminal;

A third step of transmitting the token information to an ATM (cash machine) from the user terminal that has received the token information transmitted through the second step;

A fourth step of receiving the token information from the ATM which has received the token information through the third step; And

A fifth step of providing the deposit or withdrawal service through the ATM if there is no abnormality after performing the validity review of the token information transmitted through the fourth step; providing a cash withdrawal service using a mobile communication terminal; Way.
The method of claim 1,

The validity review of the fifth step,

Method of providing a cash withdrawal service using a mobile communication terminal, characterized in that the comparison between the token information generated in the second step and the token information transmitted in the fourth step.
The method of claim 2,

The validity review of the fifth step,

The mobile communication terminal is determined by determining whether the time from the transmission time of the token information generated through the second step to the reception time of the token information received through the fourth step is within a specified valid time. Cash withdrawal service providing method.
The method of claim 3, wherein

The effective time is 1 minute cash deposit and withdrawal service providing method using a mobile terminal.
The method according to any one of claims 1 to 4,

The third step,

Mobile communication, characterized in that the token is converted into the track 3 (Track 3) information of the magnetic card through the user terminal information is transmitted to the ATM by the NFC (Near Field Communication) or MST (Magnetic Secure Transmission) method Method of providing cash withdrawal service using a terminal.
The method of claim 5,

The deposit or withdrawal service provides a cash withdrawal service using a mobile communication terminal, characterized in that using a deposit and withdrawal financial account linked to the user terminal or a commercial mobile pay (charge) available through the user terminal. Way.
A user terminal equipped with a dedicated application and having an NFC or MST function;

ATM (Automated Teller Machine) capable of transmitting and receiving data with the user terminal through NFC or MST method; And

It includes; a financial server for managing the transaction history of the deposit and withdrawal through data transmission and reception with the user terminal and ATM;

When the financial server receives a request for processing a deposit or withdrawal service from the user terminal, the financial server performs a security authentication and a validity check on the user terminal and the ATM linked thereto, and then processes the deposit or withdrawal service through the ATM. Cash withdrawal service providing system using a mobile communication terminal, characterized in that.
The method of claim 7, wherein

The deposit or withdrawal service provides a cash withdrawal service using a mobile communication terminal, characterized in that using a deposit and withdrawal financial account linked to the user terminal or a commercial mobile pay (charge) available through the user terminal. system.