WO2017052276A1

WO2017052276A1 - System and method for providing automated teller service using mobile terminal

Info

Publication number: WO2017052276A1
Application number: PCT/KR2016/010676
Authority: WO
Inventors: 박경양
Original assignee: 주식회사 하렉스인포텍
Priority date: 2015-09-23
Filing date: 2016-09-23
Publication date: 2017-03-30
Also published as: KR101828445B1; KR20170035545A

Abstract

A system for providing an automated teller service, according to one embodiment of the present invention to achieve the objective previously described, comprises: an automated teller machine (ATM) including a card reader, for transmitting, to a server, information relating to an MIN card including phone number information or an individual identification number of a mobile terminal; the mobile terminal comprising an application and an input/output device for processing a deposit or a withdrawal; and the server for receiving, from the mobile terminal, information for processing the deposit or the withdrawal, comparing the information with previously saved information, and sending deposit/withdrawal authorization information to the automated teller machine when the information is identical, wherein the server obtains the phone number of the mobile terminal using the phone number information or the individual identification number included in the MIN card information that has been received, sends a deposit/withdrawal application execution command to the mobile terminal corresponding to the phone number that has been obtained, and wherein the mobile terminal receives the command, and then runs the application and displays same on the input/output device to receive input of deposit/withdrawal information from a user.

Description

Automatic deposit and withdrawal service providing system and method using a mobile terminal

The present invention relates to an automatic withdrawal service using a mobile terminal, an automatic withdrawal service system for performing authentication between an ATM and a server by displaying and receiving transaction information using a MIN card and a user's portable terminal. It is about a method.

A conventional automated teller machine (ATM) is a processing device consisting of a computer for processing work related to deposit and withdrawal, a display device for outputting information related to deposit and withdrawal, account information and password can be input. It is composed of an input device, and in the case of using a conventional touch panel display as a display device, it is also common to serve as an input device.

In addition, there are various entrances and exits such as cards, bank accounts, and cash entrances.In the case of cash withdrawal using such ATMs, the bank account or cash card is inserted into the ATM entrances, and withdrawal and withdrawal, transaction amount, When the password is input through the ATM input device, the processing device checks through communication with the server and then withdraws the cash by discharging the cash through the cash entrance.

In this process, the display and input devices are exposed outside the ATM so that the inputs can be easily understood by the people around them, and also to know which card has been withdrawn from the ATM. If you enter only the password you find out, you can easily withdraw the damage caused by theft.

In addition, the bank account or cash card must always be carried for deposit and withdrawal, there are a number of problems, such as the inconvenience that the ATM can not be used when not having a bank account or cash card.

The present invention has been made in the technical background as described above, withdrawal service system that can use the ATM using a MIN card with a low risk of theft and the user always carry a mobile phone even in case of theft instead of cash card or bankbook and its Its purpose is to provide a method.

The object of the present invention is not limited to the above-mentioned object, and other objects that are not mentioned will be clearly understood by those skilled in the art from the following description.

Automatic deposit and withdrawal service system according to an aspect of the present invention for achieving the above object, if the MIN card including a card reader and the phone number information or personal identification number of the following mobile terminal to recognize the MIN card information server Automatic Teller Machine (ATM) for transmitting to; A mobile terminal including an application for input and output processing and an input / output device; And a server that receives the information for the deposit and withdrawal processing from the mobile terminal and compares the information with previously stored information and transmits deposit and withdrawal approval information to the automatic cash dispenser if the information is the same. The server includes the received MIN card information. Acquiring a phone number of the mobile terminal using the phone number information or the personal identification number included in the mobile terminal, and transmits and receives an application application execution command to the mobile terminal corresponding to the obtained phone number. After receiving the command, the application is executed and displayed on the input / output device to receive the deposit and withdrawal information from the user.

In the automatic deposit and withdrawal service method according to another aspect of the present invention, a MIN card including a phone number information or a personal identification number of a user's mobile terminal is recognized in a card reader of an automatic cash dispenser and the automatic cash dispenser is connected to a server by the server. Transmitting; The server receives the MIN card information and obtains the phone number of the mobile terminal using the phone number or the personal identification number of the mobile terminal included in the received MIN card information, and corresponds to the obtained phone number. Transmitting a deposit and withdrawal application execution command to the portable terminal; The mobile terminal receiving the deposit and withdrawal application execution command and executing the deposit and withdrawal application to display on the screen; Inputting deposit and withdrawal information through the displayed screen; Transmitting transaction information including the deposit and withdrawal information from the mobile terminal to the server where the financial information is stored; And comparing the received transaction information with the stored financial information and transmitting the deposit and withdrawal approval information from the server to the automatic cash dispenser.

According to the present invention, the convenience of using an automatic cash dispenser with a MIN card and a mobile terminal that store only phone number information without a bankbook or cash card, and by processing the information on the deposit and withdrawal by using the input and output function of the mobile terminal of the automatic cash dispenser It can reduce the risk of password exposure due to screen touch or button input, and it can enhance security by losing the risk of theft even if the MIN card is lost.

1 is a structural diagram of an automatic teller service system according to an embodiment of the present invention.

2 is a structural diagram of an automatic teller service system according to another embodiment of the present invention.

3 is a flow chart of an automatic teller service method according to another embodiment of the present invention.

4 is a flow chart of an automatic teller service method according to another embodiment of the present invention.

5 is an exemplary diagram of a screen configuration of a mobile terminal according to the present invention.

Advantages and features of the present invention and methods for achieving them will be apparent with reference to the embodiments described below in detail with the accompanying drawings. However, the present invention is not limited to the embodiments disclosed below, but may be implemented in various forms. It is provided to fully convey the scope of the invention to those skilled in the art, and the present invention is defined only by the scope of the claims. Meanwhile, the terminology used herein is for the purpose of describing particular embodiments only and is not intended to be limiting of the invention. In this specification, the singular also includes the plural unless specifically stated otherwise in the phrase. As used herein, “comprises” and / or “comprising” refers to a component, step, operation and / or device that is present in one or more other components, steps, operations and / or elements. Or does not exclude additions.

Hereinafter, exemplary embodiments of the present invention will be described in detail with reference to the accompanying drawings.

1 illustrates a configuration of an automatic teller service system according to an embodiment of the present invention.

The automatic teller and withdrawal service system includes an automatic cash dispenser 110, a mobile terminal 120, and a server 130.

Automatic teller machine 110 includes a card reader, such as a card reader, it is possible to recognize a mobile identification number (MIN) card containing a phone number or personal identification number information. In addition, exchange information necessary for deposit and withdrawal transaction through communication with the server 130 and withdraw or deposit cash directly when receiving the authorization number from the server 130. At this time, the automatic cash dispenser 110 may output a predetermined amount of prepaid cards, gift certificates, gift cards, lotteries, etc. instead of cash.

When the MIN card is recognized by the card reader of the automatic cash dispenser 110, the automatic cash dispenser 110 transmits the information of the MIN card and the information of the automatic cash dispenser 110 to the server 130.

Thereafter, the authenticity of the deposit and withdrawal information or the member information is confirmed through direct communication between the mobile terminal 120 and the server 130, and the automatic cash dispenser 110 receives the approval number according to the approval process from the server 130. Withdraw the cash or print out the prepaid card or gift certificate.

The mobile terminal 120 may be used as a device such as a smartphone including an application device (Application, App.) For deposit and withdrawal, and a display device and an input device for displaying and inputting deposit and withdrawal information.

The application must be installed in advance to use the service, but it can also be installed after receiving the command by the push method.

Set the name of the financial institution for the deposit and withdrawal service, the account number agreement account information and the member information for the use of the automatic withdrawal service at the time of the first execution of the application, and then use the stored information without inputting such information.

The server 130 receiving the MIN card information from the automatic cash dispenser 110 checks the user's mobile phone number or personal identification number included in the MIN card information, and if the personal identification number is received, the server 130. Or check the user's phone number by comparing the personal identification number stored in the other authentication server with the received personal identification number, and then send a command to execute the deposit and withdrawal application of the mobile terminal 120 to the mobile terminal of the corresponding number. do.

When the mobile terminal 120 receives the command and executes the application and displays the information on the screen, the information related to the deposit and withdrawal is displayed through the application and the password is input using the touch interface or the input device of the mobile terminal 120. The ATM machine 110 may provide a withdrawal service without a display device or an input device.

The mobile terminal 120 transmits and receives information necessary for a transaction with the server 130, the position and the unique number of the mobile terminal 120, the telephone number, the unique number of the deposit and withdrawal application, etc. Exchange information related to deposit and withdrawal, such as financial institution's name, unique code, withdrawal amount and password

When the screen of the mobile terminal 120 is configured as a touch screen, a financial institution to be transacted, an account number, a transaction amount, a password input window, etc. are displayed, and when the user touches each, the deposit and withdrawal information may be input. 5 shows an example of such a screen configuration.

In addition, the password input window is applied to the variable keypad, it is also possible to apply additional authentication means, such as fingerprint recognition, signature recognition, face recognition using the camera or iris recognition for additional security.

In addition, when using the pulse sensor and the humidity sensor of the mobile terminal, it is possible to block the withdrawal by detecting the case of withdrawal by theft or intimidation based on the measurement of the rise of the pulse rate and the sweat discharge due to the fraudulent use such as a lie detector.

When the input and withdrawal information is transferred to the server 130, the server 130 determines whether to approve the information.

The server 130 stores the member information of the service user and the account information of the financial institution and uses the information received from the mobile terminal 120 or the automatic cash dispenser 110 to determine the authenticity of the information.

If the received information is determined to be true to approve the transaction is to send the approval number to the automatic cash machine automated teller machine 110 to make the deposit and withdrawal.

2 illustrates a configuration of an automatic withdrawal service system according to another embodiment of the present invention, which includes a service provider server 230 and a financial institution server 240 for automatic withdrawal service.

The service provider server 230 stores the device information of the automatic cash dispenser 210, the member information subscribed to the automatic teller machine, the information of the authenticated mobile terminal 220, and compares the information, and determines whether it is a normal transaction.

The financial institution server 240 stores, compares, determines, and approves only information related to deposit and withdrawal, such as a financial institution name, account number, deposit and withdrawal amount, and password.

Through the above system configuration, it is possible to simplify the configuration of automatic teller machine, and the information for transaction is displayed on the mobile terminal such as the user's smart phone and input through the mobile terminal, thereby preventing the damage caused by theft or voice phishing. You can also use the cash withdrawal service without having to carry a cash card or bank account.

Hereinafter, a method for providing an automatic deposit and withdrawal service using the aforementioned systems will be described in detail.

3 is a flowchart illustrating an automatic deposit and withdrawal service method according to another embodiment of the present invention.

In order to use the service, the user recognizes the MIN card including the phone number information or the personal identification number of the user's mobile terminal in the card reader of the automatic cash machine (S310). Recognizing the MIN card, the automatic teller machine transfers information of the financial institution name, branch name, device unique number, location, etc. of the automatic teller machine and the MIN card information to the server (S312).

The server checks the information of the transferred ATM and MIN card to obtain a phone number of the user's mobile terminal.

If the phone number is included in the MIN card's information, the phone number is used. If only the personal identification number is stored, the phone number is obtained by using information corresponding to the personal identification number stored in the server or another authentication server.

Using the phone number of the user's mobile terminal obtained from the MIN card information, a command for executing the application of the deposit and withdrawal of the mobile terminal is transmitted in a push method (S314).

The mobile terminal receives the information, executes the application, and transmits the application-specific information for forgery check such as the hacking of the deposit and withdrawal application, the member information for using the current deposit and withdrawal service, the device number, the phone number, and the location information of the mobile terminal to the server. (S318).

On the screen of the mobile terminal on which the application is executed, a bank name, a withdrawal amount, a password input box, etc. for deposit and withdrawal appear as shown in FIG. For security purposes, the account number or authorized certificate information can be set only once when the application is first run, and not displayed on the deposit and withdrawal screen.

The user selects a deposit and withdrawal amount from the executed application and inputs a password (S320). For security, a keypad for inputting a password may use a variable keypad. Apart from password input, additional authentication methods such as signature or fingerprint input using a touch pad and face recognition or iris recognition using a camera of a mobile terminal can be used for enhanced security.

In addition, if the user is threatened with robbery, entering the password correctly may result in the loss of cash, and if the user keeps entering the wrong password, the user may be subject to physical dangers such as violence from the robbery. You can prepare for these risk situations by setting.

If the user enters a second password in a dangerous situation, the withdrawal proceeds normally in the mobile terminal or automatic cash dispenser, but is automatically contacted by a financial institution or the police, and dispatched for criminal arrest or CCTV recording around the ATM. And other measures may be taken.

In case of risk, the automatic cash dispenser can output fake cash or gift certificates or prepaid cards rather than actual cash or gift certificates or prepaid cards, and can install GPS chips to track robbery or fraudulent users. have.

When the input is completed in the mobile terminal, the bank transfers the deposit and withdrawal information such as the amount and the password to the server (S322). The server receives this, compares the previously stored account number and password, and compares the additional authentication means such as signature, fingerprint, face or iris with the stored information to determine whether to approve the transaction (S324).

Check the location of the ATM using the unique number of the ATM, and compare the location information received from the mobile terminal to approve transactions only when the ATM and the mobile terminal are located within a certain distance set in advance. It is also possible to increase security.

If the transaction is approved, the server transmits the approval number, which is the approval result, to the automatic cash dispenser (S326).

Receiving the approval number automatic cash dispenser checks the approval number and processes the cash withdrawal (S328). In this case, as described above, a gift certificate, a prepaid card or a lottery ticket may be output instead of cash.

Upon completion of the deposit and withdrawal, the automatic cash dispenser stores the transaction history and also delivers the transaction to the server (S330), and the server stores the received transaction as in a normal bank transaction (S332).

When the transaction history storage is completed, the server finally delivers the transaction history to the mobile terminal (S334), and the user confirms that the transaction is normally completed through the screen of the mobile terminal.

Figure 4 shows a flow chart of the automatic deposit and withdrawal service method according to another embodiment of the present invention, where the server is composed of a service provider server and a financial institution server.

When the user recognizes the MIN card in the card reader of the automatic cash dispenser (S410), the automatic cash dispenser delivers its information and the MIN card information to the service provider server (S412).

The service provider server checks the information of the automatic cash machine and the MIN card (S414) and transmits a command for executing a deposit and withdrawal app to the user's mobile terminal using the phone number obtained from the MIN card (S416). .

After receiving the command, the mobile terminal transmits the deposit and withdrawal app information and the member information to the service provider server (S418), and executes the application and receives the deposit and withdrawal information such as the amount and password from the user (S420), and sends it to the service provider server. If it is transmitted (S422), the service provider server transmits this to the financial institution server and requests the deposit and withdrawal approval (S424).

The financial institution server checks the received deposit and withdrawal information and approves the transaction (S426). When the approval number is transmitted to the service provider server (S428), the service provider server transmits the approval number to the automatic cash dispenser (S430).

Receiving the approval number, the automatic cash dispenser checks the approval number and proceeds withdrawal processing (S432).

When the deposit and withdrawal processing is completed, the automatic cash dispenser delivers the transaction history to the service provider server (S434), and the service provider server stores the transaction history (S436) and delivers it back to the financial institution server (S438).

The financial institution server that has received the transaction history stores it (S440) and then delivers it to the mobile terminal (S442) so that the user can check the transaction history through the mobile terminal.

Through the automatic deposit and withdrawal service system and method, the user can use the withdrawal service with more convenience and security and can prevent financial accidents in advance.

In the above, the configuration of the present invention has been described in detail with reference to the accompanying drawings, which are merely examples, and those skilled in the art to which the present invention pertains various modifications and changes within the scope of the technical idea of the present invention. Of course this is possible. Therefore, the protection scope of the present invention should not be limited to the above-described embodiment but should be defined by the following claims.

Claims

An automatic teller machine (ATM) which transmits the MIN card information to the server when the MIN card including the card reader and the phone number information or the personal identification number of the mobile terminal is recognized;

A mobile terminal including an application for input and output processing and an input / output device; And

A server which receives the information for the deposit and withdrawal processing from the mobile terminal and compares the information with previously stored information and transmits deposit and withdrawal approval information to the automatic cash dispenser when the information is the same; Including

The server acquires a phone number of the mobile terminal using the phone number information or the personal identification number included in the received MIN card information, and executes a deposit and withdrawal application execution command to the mobile terminal corresponding to the obtained phone number. And the mobile terminal receives the command and then executes the application and displays the input and output information from the user by displaying it on the input / output device.

Automatic withdrawal service system.
The method of claim 1,

The server includes a service provider server and a financial institution server,

The service provider server stores the automatic deposit and withdrawal service member information,

The financial institution server stores the account information for the deposit and withdrawal processing

Automatic withdrawal service system.
The method of claim 1,

The server receives the location information of the automatic cash machine and the location information of the mobile terminal, and compares the received location information, and approves the deposit and withdrawal transaction only when the automatic cash dispenser and the mobile terminal are located within a predetermined distance. To do

Automatic withdrawal service system.
The method of claim 1, wherein the information for deposit and withdrawal processing is

Including the financial institution code, the transaction amount, the password, the unique number of the automated teller machine and the user information

Automatic withdrawal service system.
The method of claim 1,

The screen of the application displayed on the input / output device of the portable terminal includes a password input window consisting of a variable keypad.

Automatic withdrawal service system.
The method of claim 5,

The screen further includes an input window separate from the password input window for recognizing at least one or more of a user's fingerprint, signature, iris and face.

Automatic withdrawal service system.
The method of claim 1,

The automatic cash deposit and withdrawal device receives the deposit and withdrawal approval information and outputs cash, gift certificate, prepaid card, ticket or lottery ticket corresponding to the approved amount.

Automatic withdrawal service system.
Recognizing a MIN card including telephone number information or a personal identification number of a user's mobile terminal in a card reader of an automatic cash machine, and transmitting the MIN card information to a server;

The server receives the MIN card information and obtains the phone number of the mobile terminal using the phone number or the personal identification number of the mobile terminal included in the received MIN card information, and corresponds to the obtained phone number. Transmitting a deposit and withdrawal application execution command to the portable terminal;

The mobile terminal receiving the deposit and withdrawal application execution command and executing the deposit and withdrawal application to display on the screen;

Inputting deposit and withdrawal information through the displayed screen;

Transmitting transaction information including the deposit and withdrawal information from the mobile terminal to the server where the financial information is stored; And

Comparing the received transaction information with the stored financial information and transmitting deposit and withdrawal approval information from the server to the automatic cash dispenser;

Automatic withdrawal service method comprising a.
The method of claim 8,

And transmitting the location information of the automatic cash dispenser to the server after the transmitting of the MIN card information.

The transaction information includes location information of the mobile terminal;

The server compares the location information of the automatic teller machine with the location information of the mobile terminal and transmits the approval information only when the server is located within a predetermined distance.

Automatic withdrawal service method.
The method of claim 8, wherein the transaction information,

Including the financial institution code, the transaction amount, the password, the unique number of the automated teller machine and the user information

Automatic withdrawal service method.
The method of claim 8,

The displayed screen includes a password input window composed of a variable keypad.

Automatic withdrawal service method
The method of claim 11,

The displayed screen further includes an input window separate from the password input window for recognizing at least one or more of a user's fingerprint, signature and face.

Automatic withdrawal service method.
The method of claim 8, further comprising, after the step of transmitting the deposit and withdrawal approval information.

The automatic cash dispenser further includes the step of outputting cash, gift certificate, prepaid card, ticket or lottery ticket corresponding to the approved amount after receiving the approval information.

Automatic withdrawal service method.
Recognizing, by a user, a MIN card including telephone number information of a mobile terminal in a card reader of an automatic cash machine, and transmitting the MIN card information to a service provider server;

Receiving, by the service provider server, the MIN card information and using the phone number of the mobile terminal included in the received MIN card information to transmit a deposit and withdrawal application execution command to the mobile terminal;

The mobile terminal receiving the deposit and withdrawal application execution command from the automatic cash dispenser, executing the deposit and withdrawal application and displaying the deposit and withdrawal information from the user through the displayed screen;

Transmitting transaction information including the deposit and withdrawal information from the mobile terminal to the service provider server;

Receiving, by the service provider server, the transaction information, and transmitting the transaction information to a financial institution server where financial information is stored; And

Receiving, by the financial institution server, the transaction information and comparing the transaction information with the stored financial information and transmitting approval information from the financial institution server to the service provider server or the automatic cash dispenser;

Automatic withdrawal service method comprising a.