KR20020030052A - A customer card for joint transaction and the finance dealings automatic machine with a customer card - Google Patents

Abstract

The joint transaction customer card and customer card financial transaction automation device of this method records the customer's financial information and general service information, performs the installation and execution of multiple programs, and provides services necessary for transactions with many financial institutions and other life. Cards and financial automation devices designed to do so.

The customer card of the present invention is equipped with a semiconductor memory means to record the financial transaction information of at least one financial institution used by the customer, and from the other financial institution through the automation device of the financial institution connected to the bank common network And a banking function as a main customer of the connected financial institution by connecting to the other financial institution.

In addition, the customer card financial transaction automation device of the present invention, the card input device stage for inserting and discharging the customer card, the exhibition control group for displaying the various financial services or services that can be provided through the customer card on the screen, and stored Record information entry and exit that recognizes various financial information of customers and records the information in the banking process, an information analysis conversion stage that converts the information into data that can be analyzed, and provides and converts information through the customer card. An information storage stage for storing information necessary for the bank, a bank network connection terminal for accessing the bank common network for financial transactions through the customer card, and the entire operation process necessary for each component to perform the financial business starting from the input of the customer card. It consists of the main wording that controls and totally controls the required operation according to the situation adjusted by the customer.

Therefore, the present invention is able to execute financial transactions through the Internet as well as the general financial common network, as well as provide services such as health insurance, transportation card for the convenience of life, it is effective to integrate various cards, financial services and It is expected to significantly improve living services and attract attention as a new means of financial transactions.

Description

A customer card for joint transaction and the finance dealings automatic machine with a customer card}

The method relates to financial services, which specifically records customer financial and general service information, performs the installation and execution of a number of programs, and deals with a number of financial institutions and provides other services necessary for life. It presents customer card and customer card financial transaction automation device.

Due to the development of electronic communication technology and network technology such as the Internet, financial transactions are entering the electronic finance era through electronic communication networks.

The early financial business that introduced electronic technology in the classical banking (banking) is the on-line automation and business automation stage. In other words, the initial financial business using electronic technology completes the onlineization of stores within the line by applying low-level information and communication technology, and provides a cash dispenser (CD) or an automatic teller (ATM). The introduction of a machine reduced the window work and changed the paper system from paper-based to paperless.

Since then, it has evolved from the early stage of financial business to the stage of building a financial network. In this stage, a network is established between financial institutions and between financial institutions and customers to provide financial common network services and Firm / Home Banking services using PCs and telephones. It can be described as the step of improving the productivity of the financial industry by creating services.

Now, with the development of information and communication technology and the Internet network, many researches are being conducted to build advanced financial environment in related financial institutions and information and communication technology companies for the development of electronic money and cyber banking. It is true.

In this high-tech financial environment, electronic money is disseminated instead of cash, leading to a revolutionary change in payment methods, and at the same time, tasks are required to transcend stores and take place in virtual spaces on public communication networks. In addition, there is a need for a trading system that can alleviate inconveniences in financial institution transactions and increase customer convenience.

Therefore, the purpose of this method to meet the above-mentioned needs is to record customer financial information and general service information, to carry out the installation and execution of multiple programs, and to provide services for transactions and other life with multiple financial institutions. It also provides technology for joint transaction customer card and customer card financial transaction automation device.

The joint transaction customer card of the present invention refers to account information (currently recorded on the Magnetic Stripe) of a financial institution (bank, card, securities, etc.) with which the customer is trading on the IC chip of the smart card (hybrid or combination) used by the customer. It can be said to be a card capable of holding and using a plurality of cards with one card by recording and storing.

To this end, it is necessary to establish a concept of a new financial transaction beyond the current financial transaction and to combine it with advanced technology. In addition, it is required to combine advanced semiconductor technology and network technology.

1 is a view showing a joint transaction customer card according to an embodiment of the present invention.

Figure 2 is a schematic diagram for explaining an embodiment of the structured operation of the joint transaction customer card shown in FIG.

Figure 3 is a block diagram for a joint transaction customer card and customer card financial transaction automation device according to an embodiment of the present invention.

4 is a view for explaining a state in which the automation device of the present embodiment shown in Figure 3 is connected to the bank common network and the Internet network.

5 and 6 are a flow chart (flow chart) for the process of an embodiment of receiving a bank service using the customer card of the present invention.

<Description of Symbols for Major Parts of Drawings>

10: Joint transaction customer card

150: classifier area

161: credit card 162: electronic money

163: Traffic card 164: Health insurance card

30: Financial Transaction Automation Equipment

310: Main Control Group 320: Exhibition Control Group

330: card insertion unit 340: record information entry and exit

350: information analysis stage 360: information storage stage

370: bank network connection 380: Internet connection

The joint transaction customer card of the present invention for achieving the above object,

Equipped with a semiconductor memory means to record the financial transaction information of at least one financial institution that the customer is using, and based on the financial information of the customer, a plurality of financing through the automation device of the financial institution connected to the bank common network Financial transactions such as deposits, withdrawals, and account transfers with institutions are possible, and transaction details can be stored and used in-house.

This enables you to do business with multiple financial institutions through one co-traded customer card even if you do not have a customer card of the relevant financial institution when using an automated device (CD / ATM), and replace the issue of the specification table by recording the transaction details on the customer card. Effect can be produced.

In addition, the customer card financial transaction automation device of the present invention for achieving another object,

A card input device stage that operates the customer card to be inserted and discharged, and an exhibition control group that displays various services that can be provided through the customer card inserted to receive financial services or life services through the customer card. It recognizes the various financial information of the customer stored in the inserted customer card, converts the information from the record information input / output stage to record the information performed by the customer in the banking process, and converts the information from the record information input / output stage into data format for analysis. An information analysis and conversion stage that converts and transfers the information required for the card into a signal form, an information storage stage that stores and provides the information converted through the customer card and the information required to operate the device, and for financial transactions through the customer card Banking network access to the bank's common network, starting with the input of the customer card and performing financial business For this purpose, it is composed of the main control group that controls the whole operation process required for each component and totally controls the required operation according to the situation adjusted by the customer.

Hereinafter, a joint transaction customer card and a customer card financial transaction automation device according to the present invention will be described in detail with reference to the accompanying drawings.

1 is a view showing a joint transaction customer card according to an embodiment of the present invention.

As shown, an IC chip is mounted on the customer card 10 according to an embodiment of the present invention. In addition, a connecting pin for connecting to the IC chip 10 is formed around the IC chip 10.

The IC chip can record and store account information and transaction details necessary for financial transactions. In addition, it is programmed and structured to enable the writing and execution of various customer information for use in financial institutions such as banks and other living services.

That is, it is possible to record and store the information of the customers in the database in each financial institution so that it is possible to use financial institutions. In addition, it is possible to record customer information stored in the relevant institutions to use various services such as health insurance, transportation card, and small card necessary for life. In addition to recording the customer information of the supplementary services, it is necessary to make the services available. Therefore, if there are many services to be provided, the internal processing of the customer card IC chip is structured for the basic operation for executing each service. It is possible.

FIG. 2 is a schematic diagram for explaining an embodiment of a structured operation of the joint transaction customer card shown in FIG.

In the IC chip of the customer card 10, the hardware in the semiconductor chip design is set so that the classifier area 150 is set when the customer card is first registered to determine the service desired by the customer and execute the corresponding menu of the service. It can be structured either programmatically or programmatically. The classifier area 150 performs an intercommunication channel (ICC) function to interconnect and activate a plurality of internal service areas. Therefore, it is possible to interoperate with a mobile phone or PDA (Personal Digital Assistance) and other external payment means connected to a general PC.

In addition, it is possible to install an operating system (OS) such as Java or Multos in the customer card of the present embodiment.

2 shows an example of a service provided by the customer card 10 of the present embodiment, such as a credit card 161, an electronic money 162, a traffic card 163, a health insurance card 164, and other related to convenience of the customer. To provide services.

Therefore, when the customer card 10 of the present embodiment is used as a banking credit card, if the credit card 161 menu is selected in the process of inserting and executing the customer card 10 into the automated device, the classifier area of the customer card is selected. The data 150 is related data through an interface with a magnetic stripe (MS) control area that controls and manages credit card transactions among applications loaded on the customer card to execute a transaction requested by an automated device. Mediating and storing the data generated in the transaction in the recording and storage area.

In addition, as described above, the customer card 10 may be provided with convenience services such as transportation card or medical insurance in addition to banking. In addition, each service provided, such as when the customer card 10 of the present embodiment is used as a transportation card, also brokers transactions by the same process, and stores the generated data.

When the customer card is brought into contact with an automated gateway such as a subway or a bus, the classifier area 150 sets the direction of the traffic card 163 to the service area, and thus the customer card is used as the traffic card.

Commonly used cards include MS (Magnetic Memory-Cash, Debit, Credit), Contact IC Chips (electronic money, Loyalty, etc.), and Contactless IC Chips (RF-Transport Card). Or a hybrid smart card. These cards can be used as the customer card of this embodiment.

In addition, the service area is set so that it can be used as a health insurance card, an electronic money, a transportation card, and the like, and the service of various functions provided by the customer card 10 of the present embodiment may be set by the classifier area 150. Installation is possible for improved operation.

3 is a block diagram illustrating a joint transaction customer card and a customer card financial transaction automation device according to an embodiment of the present invention, and FIG. 4 is an automated device of the present embodiment shown in FIG. The figure for explaining the connected state.

As described above, the customer card 10 of the present embodiment focuses on the integrated and joint use of each financial institution, and various services may be provided for convenience of life.

As such, the information of the customer held by each bank in order to use each financial institution, that is, several banks, is recorded and stored in the customer card 10 of the present embodiment. In addition to the account numbers established at each bank, all transaction details of automated devices or bank services provided by banks, such as deposits, withdrawals, bank transfers, electronic money, various change reports, etc. Information on the transaction status will be recorded. In addition, such customer information can be set in advance in the process of using the financial institution or when necessary.

As shown in FIG. 3, the customer card financial transaction automation device 30 according to the present embodiment includes a main control terminal 310, an exhibition control terminal 320, a card input device terminal 330, and record information entry / exit 340. ), The information analysis and conversion stage 350, information storage stage 360, bank network access terminal 370 can be largely divided, it can be configured to further include an Internet access terminal 380 for Internet access. .

First, the card input device stage 330 is a device for starting the process of the customer card 10 of the present embodiment is inserted into the automated device 30 through the inlet and discharged.

And the exhibition control group 320 displays on the screen a variety of services that can be provided through the customer card to receive financial services or necessary services of life through the customer card.

The following record information entry / exit 340 recognizes (reads) various financial information of the customer stored on the inserted customer card IC chip and performs a function of recording information necessary in the banking process performed by the customer.

The information analysis conversion stage 350 converts and outputs the information read through the record information input / output stage 340 into a data form that can be analyzed, and in order to record the information necessary for the customer card 10 again. In the process of sending to 340, a function of converting and outputting a signal form that can be recorded on the IC chip of the customer card 10 is output.

And the information storage stage 360 of the rear stage is a component that stores the relevant information to be stored on the automated device and provide as needed.

The latter bank network connection terminal 370 and the Internet connection terminal 380 that can be added are components that allow access to the bank common network and the Internet, respectively. Therefore, the automation device 30 of the present embodiment can be added to enable the connection through the Internet as well as the existing bank common network, which will be described later.

The main word stage 310 controls the whole operation process starting from the input of the customer card until the necessary financial business can be seen, and the overall control of the required operation according to the customer adjustment through the exhibition control group. Perform. In addition, it determines the state to be connected to the bank common network or the Internet network and controls the connected state so that banking between the banks can be smoothly performed.

Therefore, when the customer inserts the customer card 10 of the present embodiment into the card input device stage 330 of the automation device 30, the record information entry and exit end 340 and the information analysis conversion stage 350 of the automation device 10 In this case, it is possible to determine a state that can be used as the customer card through the classifier area 150 of the customer card 10. In addition, the information storage unit 360 records the information necessary for the operation of the automated device 30, or if you want to store the information of the bank account card added after the bank account card in the customer card 10 of the present embodiment. (write) to maintain.

In addition, when the customer uses the customer card to bank through the bank joint network, when the customer selects the menu displayed on the exhibition control terminal 320, the main word terminal 310 is connected through the bank joint network according to the selected menu state. Find out if you need to do this or if you need to connect over the Internet. Thereafter, in the case of banking business through the bank common network, the bank network connection step 370 proceeds with the corresponding bank, and in the case of the situation where the Internet should also be connected, an additional internet access point 380 is connected to the Internet. Will be performed.

In addition, the contents displayed on the screen of the display control terminal 320 variably display the executable menus according to the operation and analysis of the automation device 30.

As described above, the automation device of the present embodiment is designed and installed to be connected to the Internet as well as to a general bank common network as shown in FIG. 4. Therefore, not only banking through the banking network but also internet banking through the Internet can be performed at the same time.

Usually, a CD machine or an ATM machine is used as a bank automation device, but the automation device of the present embodiment is an advanced device designed to enable next-generation banking by dramatically improving the function of the conventional bank automation device as described above.

Banking through an automated device on a conventional bank common network has been limited to a certain range.

For example, in the case of an account transfer, the customer must directly enter the account number of the other party, that is, the trustee financial institution, into the automated device. This requires a note of the account number and an error-free entry.

In addition, in the case of other transactions, customers who wish to withdraw cash from accounts opened at Chohung Bank can withdraw through any bank's automated equipment, but must have a Chohung Bank card. Therefore, it is inconvenient to carry as many cards as there are financial institutions (banks, cards, securities, etc.) with which you do business.

However, through the customer card 10 and the automation device 30 of the present embodiment it is possible to receive a significantly improved bank service that can not be compared with the conventional. That is, since the customer card 10 can record information on the account and bank service history of each bank opened by the customer, the transaction with each bank and financial institution opened by the customer even with the customer card 10 alone. It can integrate management and use.

If a customer opens an account at Kookmin Bank, Chohung Bank, Daishin Securities, or Samsung Card, the customer can facilitate the transaction by recording the account information of the relevant financial institution on the joint transaction customer card.

Currently, transactions with financial institutions (automation, withdrawal, bank transfer, credit service, etc.) using automated devices are initiated by sending and receiving customer account information recorded on the magnetic stripe (MS) of the customer card. Therefore, during the financial transaction of the customer, the automated device reads the MS information of the corresponding financial institution recorded on the joint transaction customer card, converts it to the type of MS information currently being transmitted, and transmits the data. The following procedure is the same as the current trading method, so that existing financial services can be used without any changes.

Therefore, a customer using a joint transaction customer card can have the same effect as having multiple cards of each financial institution with one card.

For example, if you use Kookmin Bank's automated device to withdraw cash from Chohung Bank's account, the customer does not use the Chohung Bank card, but puts a joint transaction customer card issued by Kookmin Bank into the automated device and stores it on the chip. Cash withdrawal is possible using Chohung Bank's MS information. This extension allows you to use one card for financial transactions with multiple financial institutions.

In addition, since the joint transaction customer card can record and store necessary information, it is possible to facilitate transactions by storing other information other than the account information of the financial institution held by the customer in the customer card.

For example, in the case of cash transfer to another person's account, before and after the transfer, the customer can record the accession account information on his or her card, and can trade through the information stored in the customer card without inputting the accession account number on the automated device. In this case, the customer can prevent the inconvenience of entering the trust account number each time and error remittance due to an error input, thereby increasing safety.

5 and 6 are flow charts (flow charts) for the process of an embodiment of receiving a bank service using the customer card of the present invention. In FIG. 5, a process of inputting customer information opened in a corresponding bank to a customer card in order to use the customer card will be described, and will be described as an example of a customer who opens an account at Kookmin Bank, Chohung Bank, and NACF.

The description here shows a process of first recording the information of each bank account card (credit card, cash card or debit card, etc.) in the customer card of this embodiment in order to use the customer card.

First, as shown in FIG. 5, the customer inputs a general bank card to be recorded, for example, a Choheung Bank card, into an automated device of each branch office in which the automated device of the present embodiment is installed (P502), and then into the customer card 10. In order to record the customer information, the customer information menu is selected on the automation device 30 (P504).

In this case, the automated device 30 records and stores the customer information in the information analyzing unit 360 after reading the customer information of the MS type Chohung Bank from the inserted Chohung Bank card (P506).

After that, the automation device 30 requests the input of the customer card 10 through the screen of the display control end 320, and thus the customer inserts the customer card 10 into the automation device again (P508). . The automated device 30 writes the bank information of the customer, which is recalled from the Choheung bank card and stored in the customer card 10 (P510).

Therefore, after this process, the customer card 10 can enter the customer's bank information for the customer account of the bank, it is possible to perform banking through the bank account using a bank automated machine.

6 is a view for explaining the process of performing a banking transaction according to an embodiment of the present invention. Here, a description will be given of a state in which the information of the bank to be transacted on the customer card 10 is used in the state of being written.

First, the customer inserts the customer card 10 into the automated device (P602). When the input card is the customer card 10 of the present embodiment, the automated device 10 analyzes the basic records stored on the customer card 10 and presents a bank and a service provided through the customer card ( P604).

After such analysis, the customer selects the bank to be traded according to the menu presented through the screen on the automation device 30 (P606), and continuously receives the withdrawal, deposit, or account transfer while viewing the situation displayed on the screen. The transaction menu is selected (P608).

When the customer selects a desired transaction, the automation device 30 sends the bank information (current MS record data) and the selected transaction history of the bank stored on the IC chip of the customer card 10 to request the transaction ( P610).

The bank requesting a transaction determines whether the transaction is possible (P612), and if the transaction is possible, processes a transaction such as withdrawal or deposit requested by the customer (P614). If the transaction is not possible, the reason is displayed on the screen of the automated device (P616). After that, all transaction-related details are stored in the customer card 10 and the bank's computer system (P618) and the transaction is terminated.

It also provides a card sorting service similar to bankbook clearing to record transaction details of transactions where customers do not use the customer card (bank account deposit, Internet banking, etc.). When the customer cleans up the card, the transaction history not recorded on the card is received from the host server of the financial institution, and the transaction history through the financial institution can be kept in the card.

Therefore, when using the customer card 10 of the present invention, information such as the balance of the customer's transaction history, fees, transaction time, etc. are stored on its own, so that the transaction specification table is not required for financial transactions and can replace the specification table. do. As a result, it replaces the transaction specification table and provides the effect of reducing the cost incurred in financial transactions.

In addition, the customer card 10 of the present invention provides a more innovative financial transaction service in addition to the financial transaction described above. For example, in the case of using the customer card 10 of the present embodiment, as well as the transaction transfer status to the financial institution, if the counterpart account is the customer's own account, it is also possible to check the update history of the counterpart account.

Furthermore, the customer card 10 of the present embodiment can be used as a convenience service card related to life as described above, and as a result, it can be used as an integrated card that bundles many kinds of bank cards and life service cards together. .

The customer card 10 and the automation device 30 of this embodiment show almost perfect contrast to the complement. Servers connected to the Internet or the homepage of the site is being hacked by hackers. However, since the customer card 10 of the present invention is not only accessible to the IC chip signal of the customer card, but also can change the encryption of the IC chip itself as necessary, the complement is almost completely perfect, and the bank common network is a general public. Unlike the Internet network that is open to the public, the supplement is perfect because it is a closed network that is only available to banks or certain financial institutions that can use the service.

In addition, through the customer card 10 and the automation device 30 of the present invention, as well as using a common banking network, the Internet banking (internet banking) through the Internet, such as based on the technical concept of the present invention It can be done in a variety of ways.

As described above, the customer card and the financial transaction automation device of the present invention maintain and record the customer's financial transaction history on the customer card, and can obtain the effect of using a plurality of cards with one card, and the accompanying effect (account information recording). Transactions, statement substitution, card clearance, etc.).

In addition, the customer card of the present invention has the effect of having an internal interlocking interlocking area, and can be interoperable through a mobile phone or PDA and other payment means connected to a general PC is excellent in convenience.

In addition, through this effect, the present invention is expected to be spotlighted as a next generation financial transaction card by significantly improving financial services and living services as well as safe to various accident risks occurring in financial transactions.

Claims (10)

Equipped with a semiconductor memory means to record the financial transaction information of at least one financial institution that the customer is using, and based on the financial information of the customer, a plurality of financing through the automation device of the financial institution connected to the bank common network Financial transactions such as deposit, withdrawal, and account transfer with institutions are possible, and the transaction data is self-stored, and the joint transaction customer card is used. The method of claim 1, The joint transaction customer card, characterized in that the record keeping further including the customer information according to the service transaction of the life to receive the convenience services such as health insurance or transportation card. The method according to claim 1 or 2, And a classifier area for switching to a service area according to a customer's choice so as to effectively perform the operation according to the financial transaction and the provision of the convenience service. The method of claim 3, wherein the classifier area is A joint transaction customer card, characterized in that to perform an ICC (Inter Communication Channel) function for interworking from an external payment means. The method according to claim 1 or 2, The operating system (OS; Operating System), characterized in that it is possible to install the operating system (O; Operating System) to effectively perform the operation in accordance with the financial transaction and the provision of the convenience services. The method according to claim 1 or 2, It is possible to install an execution program that can effectively perform the operation in accordance with the provision of the financial transaction and the convenience service, co-commerce customer card. The financial service of claim 1, wherein the financial service as a main customer of the financial institution is In the state where the customer is connected to the financial institution of the other financial institution connected to the other financial institution, the financial business as the main customer of the other financial institution such as account transfers led by the other financial institution or electronic banking is possible. Said, co-customer card. In the device for financial transactions, Card input device stage for operating the customer card to insert and discharge, An exhibition control group that displays various services on the screen which can be provided through a customer card inputted to receive financial services or convenience services through the customer card; Record information entry and exit to recognize the customer's various financial information stored in the customer card entered and records the information performed by the customer in the banking process, An information analysis conversion stage for converting and outputting the information from the record information input / output stage into a data format that can be analyzed and converting the information required for the customer card into a signal format for recording the information; An information storage stage for storing and providing information converted through the customer card and information necessary for device operation; A bank network connection terminal for accessing a bank common network for financial transactions through the customer card; Starting from the customer card input, the customer card characterized in that it comprises a main word stage to control the entire operation process required for each component to perform the financial business and to control the necessary operation according to the situation adjusted by the customer Financial Transaction Automation Equipment. The method of claim 8, The customer card financial transaction automation device, characterized in that it further comprises an Internet connection for performing an Internet connection to perform the financial business on the Internet. The method of claim 8, Finance as a main customer of another financial institution such as an account transfer or an electronic banking led by the other financial institution while the other financial institution is connected to the other financial institution from the financial transaction device of the one financial institution to which the customer is connected by using the customer card. Customer card financial transaction automation device, characterized in that work is possible.