WO2017018597A1 - Procédé et système de fourniture de service de dépôt/retrait d'argent liquide au moyen d'un terminal de communication mobile - Google Patents

Procédé et système de fourniture de service de dépôt/retrait d'argent liquide au moyen d'un terminal de communication mobile Download PDF

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Publication number
WO2017018597A1
WO2017018597A1 PCT/KR2015/010602 KR2015010602W WO2017018597A1 WO 2017018597 A1 WO2017018597 A1 WO 2017018597A1 KR 2015010602 W KR2015010602 W KR 2015010602W WO 2017018597 A1 WO2017018597 A1 WO 2017018597A1
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WO
WIPO (PCT)
Prior art keywords
user terminal
deposit
withdrawal service
atm
token
Prior art date
Application number
PCT/KR2015/010602
Other languages
English (en)
Korean (ko)
Inventor
김길영
최의성
김지민
Original Assignee
주식회사 우리은행
Priority date (The priority date is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the date listed.)
Filing date
Publication date
Application filed by 주식회사 우리은행 filed Critical 주식회사 우리은행
Publication of WO2017018597A1 publication Critical patent/WO2017018597A1/fr

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    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/32—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
    • G06Q20/326—Payment applications installed on the mobile devices
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06K—GRAPHICAL DATA READING; PRESENTATION OF DATA; RECORD CARRIERS; HANDLING RECORD CARRIERS
    • G06K19/00—Record carriers for use with machines and with at least a part designed to carry digital markings
    • G06K19/06—Record carriers for use with machines and with at least a part designed to carry digital markings characterised by the kind of the digital marking, e.g. shape, nature, code
    • G06K19/067—Record carriers with conductive marks, printed circuits or semiconductor circuit elements, e.g. credit or identity cards also with resonating or responding marks without active components
    • G06K19/07—Record carriers with conductive marks, printed circuits or semiconductor circuit elements, e.g. credit or identity cards also with resonating or responding marks without active components with integrated circuit chips
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes

Definitions

  • 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.
  • 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.
  • ATM cash machine
  • 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.
  • 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.
  • 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.
  • NFC Near Field Communication
  • MST Magnetic Secure Transmission
  • 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.
  • 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.
  • ATM Automated Teller Machine
  • 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.
  • 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.
  • 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.
  • a personal portable terminal such as a smart phone
  • FIG. 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.
  • FIG. 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.
  • FIG. 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.
  • a system for providing a cash withdrawal service using a mobile communication terminal 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.
  • ATM automated teller machine
  • 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.
  • NFC near field communication
  • MST magnetic secure transmission
  • 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.
  • 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.
  • a commercial mobile pay service such as Samsung Pay (Pay), Apple Pay or Kakao Pay.
  • 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.
  • 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.
  • the support of the token-related service is made through the financial server 130.
  • 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.
  • 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.
  • 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.
  • 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.
  • the user may designate one or more deposit accounts or charging mobile pays through selection input. Naturally, it can be configured.
  • FIG. 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.
  • a method for providing a cash withdrawal service using a mobile communication terminal includes an application driving step (S212), a token request step (S214), and a token information receiving step (S216) through a user terminal.
  • 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.
  • NFC or MST Magnetic Secure Transmission
  • the token information transmitted to the ATM side 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).
  • the validity review (S238) may be preferably performed in two aspects.
  • the validity review (S238) may be performed by comparing the identity of token information and determining the validity of a business processing time.
  • 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.
  • 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.
  • 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).
  • 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.
  • 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). .
  • token information received from the financial server (S216) in this process is transmitted from the terminal to the ATM side (S218).
  • 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).
  • 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.
  • one or more deposit destinations can be selected and specified among commercial mobile pay services of.
  • 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.
  • a personal portable terminal such as a smart phone
  • 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.

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  • Engineering & Computer Science (AREA)
  • Business, Economics & Management (AREA)
  • Theoretical Computer Science (AREA)
  • General Physics & Mathematics (AREA)
  • Physics & Mathematics (AREA)
  • Accounting & Taxation (AREA)
  • General Business, Economics & Management (AREA)
  • Strategic Management (AREA)
  • Computer Networks & Wireless Communication (AREA)
  • Finance (AREA)
  • Economics (AREA)
  • Technology Law (AREA)
  • Marketing (AREA)
  • Computer Hardware Design (AREA)
  • Microelectronics & Electronic Packaging (AREA)
  • Development Economics (AREA)
  • Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)
  • Telephonic Communication Services (AREA)

Abstract

La présente invention concerne un procédé de fourniture d'un service de dépôt/retrait d'argent liquide au moyen d'un terminal de communication mobile permettant un traitement rapide et simple d'une tâche de dépôt/retrait d'argent liquide par le biais d'une transmission d'informations entre le terminal de communication mobile, tel qu'un téléphone intelligent, et un guichet automatique bancaire (ATM). Le procédé permet à un utilisateur d'utiliser un service de dépôt/retrait d'argent liquide au moyen uniquement d'un terminal portable personnel, tel qu'un téléphone intelligent, et permet ainsi à l'utilisateur de traiter rapidement et simplement la tâche de dépôt/retrait d'argent liquide sans l'inconvénient de transporter une carte ou un compte bancaire.
PCT/KR2015/010602 2015-07-24 2015-10-07 Procédé et système de fourniture de service de dépôt/retrait d'argent liquide au moyen d'un terminal de communication mobile WO2017018597A1 (fr)

Applications Claiming Priority (2)

Application Number Priority Date Filing Date Title
KR1020150105022A KR101637844B1 (ko) 2015-07-24 2015-07-24 이동통신 단말기를 이용한 현금 입출금 서비스 제공 방법 및 시스템
KR10-2015-0105022 2015-07-24

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WO2017018597A1 true WO2017018597A1 (fr) 2017-02-02

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PCT/KR2015/010602 WO2017018597A1 (fr) 2015-07-24 2015-10-07 Procédé et système de fourniture de service de dépôt/retrait d'argent liquide au moyen d'un terminal de communication mobile

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WO (1) WO2017018597A1 (fr)

Cited By (1)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
CN108399536A (zh) * 2018-02-07 2018-08-14 聚龙股份有限公司 一种互联网现金交互服务设备的操作方法

Families Citing this family (1)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
KR20180077617A (ko) * 2016-12-29 2018-07-09 롯데알미늄 주식회사 핀테크 결제 기능이 구비된 자동판매기

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KR20070046042A (ko) * 2007-03-13 2007-05-02 주식회사 비즈모델라인 인증코드를 이용한 현금인출 처리방법
US20080313087A1 (en) * 2004-10-22 2008-12-18 Joseph Vinod Cherian Automated teller machine having access point and method for providing financial service using the same
KR20130065764A (ko) * 2011-11-29 2013-06-20 주식회사 엘지씨엔에스 이동통신단말기를 이용한 금융거래 방법 및 장치
KR20140039803A (ko) * 2012-09-25 2014-04-02 주식회사 이리언스 홍채 정보를 이용한 카드 결제 시스템 및 카드 결제 방법

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KR20070046042A (ko) * 2007-03-13 2007-05-02 주식회사 비즈모델라인 인증코드를 이용한 현금인출 처리방법
KR20130065764A (ko) * 2011-11-29 2013-06-20 주식회사 엘지씨엔에스 이동통신단말기를 이용한 금융거래 방법 및 장치
KR20140039803A (ko) * 2012-09-25 2014-04-02 주식회사 이리언스 홍채 정보를 이용한 카드 결제 시스템 및 카드 결제 방법

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Cited By (1)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
CN108399536A (zh) * 2018-02-07 2018-08-14 聚龙股份有限公司 一种互联网现金交互服务设备的操作方法

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