KR20110114889A - Financial Automation Equipment - Google Patents

Abstract

In response to a request of the first financial transaction linked to the account information input, a central region including an image of a trader of a trader, and a peripheral region including an image of a peripheral person other than the trader, for the image data generated by the imaging unit; Disclosed is a financial automation device including a processor for classifying a processor, a control unit for extracting the trader image from the central area and an image of the periphery from the peripheral area, and storing the trader image in correspondence with the account information in a database.

Description

Financial Automation Equipment {AUTOMATIC TELLER MACHINE}

Embodiments of the present invention relate to an automated teller machine.

With respect to traditional financial transactions that have been carried out in direct contact with the clerks at financial institutions, the emergence of Automatic Teller Machines (ATMs) has revolutionized in many ways. The customer's waiting time has been significantly reduced, and even after the financial institution is closed, the customer can benefit from financial transactions whenever they want. Not only the customers, but also the financial institution's processing time is reduced, and the workforce is reduced due to the reduction of manpower and cost.

The automated teller machine basically provides many financial tasks performed by financial institutions such as banks and village safes. The user can perform a desired financial transaction in a short time by simply operating a financial automated device installed in a bank without using a bank clerk in bank transfer, balance inquiry, deposit withdrawal, and bank account arrangement. Due to these advantages of the financial automation equipment, the number of customers, the installation number and the installation place of the financial automation equipment are rapidly increasing, and nowadays, it becomes easy to find the financial automation equipment anywhere.

On the other hand, as the automated teller machine is used by a plurality of traders, there is a possibility that a financial transaction by an illegal trader (peripheral person) for the account information, in addition to the normal trader for the arbitrary account information, may be requested.

The present invention stores and manages a trader image of a captured trader and an image of a neighboring person in a database according to a request of the first financial transaction, and then stores a trader of the captured trader according to a request of the second financial transaction within a predetermined period. An object is compared with an image stored in the database and an image, and the second financial transaction is controlled according to the comparison result.

According to an embodiment of the present invention, an automatic teller machine according to a request for a first financial transaction linked to account information input includes a central region including an image of a trader of a trader with respect to image data generated by an imaging unit; A processor for classifying a peripheral area including an image of a peripheral person other than a trader, and a controller for extracting the trader image from the central area and the peripheral image from the peripheral area, and storing the image corresponding to the account information in a database. Include.

According to an embodiment of the present invention, in response to a request of the first financial transaction, a trader image of a captured trader and an image of a neighbor of a neighbor are stored and managed in a database, and then according to a request of a second financial transaction within a predetermined period of time. The second financial transaction may be controlled according to the comparison result by comparing the captured trader image of the trader and the image stored in the database.

Therefore, according to an embodiment of the present invention, when the trader image and the neighboring image match within an allowable range, by stopping the second financial transaction, an illegal transaction (an abnormal trader who secretly obtains a password behind a normal trader) Financial transactions as required by the law).

1 is a conceptual diagram illustrating a schematic structure of an automated teller machine.
2 is a diagram showing the internal configuration of the automatic teller machine according to an embodiment of the present invention.
3 is a view showing an example of the specification table output from the automated teller machine according to an embodiment of the present invention.
4 is a flowchart illustrating a method of operating an automated teller machine according to an embodiment of the present invention.

Hereinafter, embodiments of the present invention will be described in detail with reference to the accompanying drawings. However, the present invention is not limited or limited by the embodiments. Like reference numerals in the drawings denote like elements.

The term " financial automatic teller machine " used in the present invention, as well as ATM (Automated Teller Machine), as well as cash dispenser (CD: Cash Dispenser) or bank, insurance, credit card, etc. It is broadly interpreted as a concept that includes a series of unmanned automated devices, such as kiosks, which provide a variety of additional services such as utility billing, ticket issuance, and point accumulation. .

1 is a conceptual diagram illustrating a schematic structure of an automated teller machine.

The automatic teller machine 100 includes an operation terminal 110, a banknote 120, a bankbook 130, and a card reader 140.

The operation terminal 110 receives a menu selection and operation for a financial transaction from a customer, and provides various financial services or additional services to the customer through a GUI screen.

Banknotes and withdrawals 120 of the bill counts and stores the bill, and the bankbook 130 reads the bankbook and performs the bankbook cleaning task. The card reader 140 reads a card according to a customer's financial transaction card input and performs a card related task. The card reader 140 may read not only a financial transaction card but also an accumulation card or an ID card for other tasks.

In addition, the automated teller machine 100 includes a communication unit for accessing the automated teller machine, a control unit for controlling the overall operation of the teller machine, a memory for storing various data, and a print module for printing on a bankbook or a statement table. It may further include.

2 is a diagram showing the internal configuration of the automatic teller machine according to an embodiment of the present invention. The first financial transaction and the second financial transaction continuously described in the present specification may mean a financial transaction generated through input of one account information. In particular, the second financial transaction refers to a financial transaction that has occurred again in relation to the account information input during the first financial transaction within a predetermined time after the first financial transaction that is determined to be a normal transaction. In the present invention, the second financial transaction can be determined to be an illegal transaction by reading the captured image data during the first financial transaction. For example, if the financial transaction is requested by an abnormal trader who secretly obtains a password behind the normal trader as a result of the reading, This will determine illegal transactions. In order to convert the second financial transaction determined to be an illegal transaction into a normal transaction, the authentication information is confirmed from the trader of the second financial transaction.

2, the automated teller machine 201 according to an embodiment of the present invention includes a processor 203, a controller 205, an output unit 209, and a database 211.

The processor 203 includes a trader's image of a trader with respect to image data generated by an imaging unit (not shown) in response to a request of a first financial transaction (or a second financial transaction) linked to an account information input. Distinguishing a central area from a peripheral area including an image of a peripheral person other than the trader.

The controller 205 extracts the trader image from the central area and the surrounding image from the peripheral area, and stores the trader image in correspondence with the account information in the database 211. Herein, the control unit 205 may transmit a trader image and a neighboring image stored in correspondence with the account information to an external data management server through a transmission unit (not shown), and in this case, a financial automation device located at another point. It can be used as the basic data to control the financial transactions for the account information in the. That is, even if a person photographed with the above-mentioned surrounding image at a specific first store makes a financial transaction request at another second store within a predetermined period after leaving the first store, the present invention can check this. This can be done by linking with an external data management server.

If a request for a second financial transaction linked to the account information input occurs within a predetermined period after the first financial transaction, the control unit 205 searches for an image stored in the neighborhood corresponding to the account information from the database 211 or Or, as a response to an image request to the external data management server, receiving a neighbor image corresponding to the account information, and comparing the neighbor image with a trader image extracted in association with the second financial transaction. Part 207 is included. Here, the trader image extracted in association with the second financial transaction is an image extracted from the image data generated by the processor 203 in response to the request of the second financial transaction.

In this case, the controller 205 may stop the second financial transaction when the trader image and the neighboring image match within the allowable range as a result of the comparison by the comparator 207.

When the second financial transaction is stopped, the controller 205 receives the trader authentication information, and when the inputted trader authentication information is confirmed, the controller 205 may execute the stopped second financial transaction successively. On the other hand, if the inputted trader authentication information is not confirmed, the controller 205 may terminate the second financial transaction. Here, the control unit 205 receives at least one of a resident registration number, a telephone number, an OTP (One Time Password) number, a trader image by re-shooting, and refers to the authentication information stored in the database 211 as the trader authentication information. Alternatively, by receiving authentication information from an external data management server, the inputted trader authentication information can be confirmed.

In addition, when the comparison result of the comparison unit 207, the controller image and the neighboring image does not match within the allowable range, the controller 205 executes the second financial transaction, and the second financial transaction and the second financial transaction. The trader image and the neighbor image extracted in association may be stored and updated in the database 211.

The output unit 209 may output the trader image and the surrounding image extracted in association with the first financial transaction in the specification table for the first financial transaction. The output unit 209 outputs a specification table including an image of a trader and an image of a neighbor, thereby allowing a normal trader to request illegal transactions through abnormal confirmation of a password after a normal trader through confirmation of the image of a neighbor. ) Can be prevented.

In addition, the output unit 209 after the stop of the second financial transaction, if the inputted transaction authentication information is not confirmed, the trader image extracted in association with the second financial transaction in the specification table for the second financial transaction And an image (ie, a trader image extracted in association with the first financial transaction) or a warning message that is searched for in response to the account information from the database 211.

The database 211 may store a trader image and a neighboring image corresponding to the account information. In addition, the database 211 may further store authentication information corresponding to the account information for confirming the trader authentication information.

3 is a view showing an example of the specification table output from the automated teller machine according to an embodiment of the present invention.

Referring to FIG. 3, the automated teller machine may include an image of a trader and a neighboring person in the specification table for the first financial transaction linked to the account information input.

For example, the automated teller machine is a 'Kim Young-Hee' trader for image data generated by the imaging unit in response to a request for a first financial transaction linked to card input or input of account information of '017002-01-0023' by a keypad. A central region including an image of a trader of and a peripheral region including an image of a neighbor of 'Kim Chul-soo' other than the trader are stored in a database. Thereafter, the automated teller machine extracts the trader image of the 'Kim Young-hee' trader from the central area and the image of the neighbor of 'Kim Chul-soo' from the peripheral area, and displays the account information and withdrawal in the specification table 301 for the first financial transaction. In addition to the amount and the transaction date, the extracted trader image 303 of the 'Kim Young-hee' trader and the image 305 that is the neighbor of 'Kim Chul-soo' may be further included. Here, the automated teller machine shows and outputs a trader image and a neighboring image together on the specification table, but is not limited thereto, and may display and output a separate trader image and a neighboring image.

Although not shown in the drawing, when the automated teller machine generates a request for a second financial transaction within a predetermined period after the first financial transaction, and the request is illegal, the automatic teller machine displays the second financial transaction in the specification table for the second financial transaction. In addition to the trader image extracted in association with the transaction and the image searched from the database (ie, the trader image extracted in association with the first financial transaction), a warning message may be further included.

For example, if the automated teller machine generates a request for a second financial transaction linked to the input of account information of '017002-01-0023' within a predetermined period after the first financial transaction, the financial automatic device may request '017002-01-0023' from the database. As a result of searching for the stored neighbor image, that is, the image of the neighbor of 'Kim Chul-soo', and comparing the searched neighbor image with the trader image of the trader of 'Kim Chul-soo' extracted in association with the second financial transaction, When the trader image of the trader 'Kim Chul-soo' and the image of the neighbor of 'Kim Chul-soo' are matched within the allowed range, the second financial transaction may be stopped. In addition, the automated teller machine may further include a warning message of a trader image of the 'Kim Chul-soo' trader, an image of a neighboring person of 'Kim Chul-soo', or an 'illegal transaction warning' in the specification table for the second financial transaction.

4 is a flowchart illustrating a method of operating an automated teller machine according to an embodiment of the present invention.

Referring to FIG. 4, in response to a request of the first financial transaction, the ATM automatically classifies the trader image of the trader and the surrounding image and stores the image data in a database (401).

Specifically, the automated teller machine, based on the request of the first financial transaction linked to the account information input, has a central area including an image of the trader of the trader and an image of a peripheral person other than the trader with respect to the image data generated by the imaging unit. Distinguish the surrounding area including the surrounding image. Thereafter, the automated teller machine extracts the trader image from the central area and the surrounding image from the peripheral area, and stores the image corresponding to the account information in a database.

When a request for a second financial transaction occurs within a predetermined period after the first financial transaction (403), the automated teller machine compares whether the neighboring image retrieved from the database matches the trader image extracted in association with the second financial transaction. (405). For example, when the automated teller machine generates a request for a second financial transaction linked to the account information input within three minutes after the first financial transaction, the automatic teller machine searches for an image stored around the account information from the database. The searched neighbor image may be compared with a trader image extracted in association with the second financial transaction.

At this time, if the automated teller machine compares the trader image with the neighboring image within the allowable range, the second financial transaction may be stopped (407). After the stop of the second financial transaction, the automated teller machine receives at least one of a resident registration number, a telephone number, an OTP (One Time Password) number, and a trader image by re-photographing as the trader authentication information. When the information is confirmed, the suspended second financial transaction can be executed successively.

On the other hand, if the automated teller machine does not match the trader image and the neighboring image within the allowable range as a result of the comparison, it executes the second financial transaction (409). Thereafter, the ATM may store and update the trader image and the neighboring image extracted in association with the second financial transaction in a database.

Meanwhile, in steps 401 and 409, the automated teller machine may include the trader image and the surrounding image in the specification table for the first or second financial transaction. Further, in step 407, the automated teller machine displays an image (ie, the first image) that is searched for corresponding to the account information from the trader image and database extracted in association with the second financial transaction in the specification table for the second financial transaction. Image of a trader extracted in association with a financial transaction) or a warning message.

According to an embodiment of the present invention, in response to a request of the first financial transaction, a trader image of a captured trader and an image of a neighbor of a neighbor are stored and managed in a database, and then according to a request of a second financial transaction within a predetermined period of time. The second financial transaction may be controlled according to the comparison result by comparing the captured trader image of the trader and the image stored in the database.

Therefore, according to an embodiment of the present invention, when the trader image and the neighboring image match within an allowable range, by stopping the second financial transaction, an illegal transaction (an abnormal trader who secretly obtains a password behind a normal trader) Financial transactions as required by the law).

Embodiments of the present invention include computer readable media including program instructions for performing various computer implemented operations. The computer readable medium may include program instructions, data files, data structures, etc. alone or in combination. Program instructions recorded on the media may be those specially designed and constructed for the purposes of the present invention, or they may be of the kind well-known and available to those having skill in the computer software arts. Examples of computer-readable recording media include magnetic media such as hard disks, floppy disks, and magnetic tape, optical media such as CD-ROMs, DVDs, and magnetic disks, such as floppy disks. Magneto-optical media, and hardware devices specifically configured to store and execute program instructions, such as ROM, RAM, flash memory, and the like. Examples of program instructions include not only machine code generated by a compiler, but also high-level language code that can be executed by a computer using an interpreter or the like.

As described above, the present invention has been described by specific embodiments such as specific components and the like. For those skilled in the art to which the present invention pertains, various modifications and variations are possible. Therefore, the spirit of the present invention should not be construed as being limited to the described embodiments, and all of the equivalents or equivalents of the claims, as well as the following claims, are included in the scope of the present invention.

201: Financial Automation
203: processor
205: control unit
209: output unit
211: database

Claims (6)

In response to a request of the first financial transaction linked to the account information input, a central region including an image of a trader of a trader, and a peripheral region including an image of a peripheral person other than the trader, for the image data generated by the imaging unit; A processor to separate the; And
A control unit for extracting the trader image from the central area and the periphery image from the peripheral area and storing the trader image in correspondence with the account information in a database;
Automatic financial equipment comprising a. The method of claim 1,
When a request for a second financial transaction linked to the account information input occurs within a predetermined period after the first financial transaction,
The control unit,
A comparator for searching for images of neighbors stored in correspondence with the account information from the database, and comparing the searched neighbor images with a trader image extracted in association with the second financial transaction;
Automatic financial equipment comprising a. The method of claim 2,
The control unit,
And stop the second financial transaction if the trader image and the neighboring image match within an allowable range as a result of the comparison by the comparison unit. The method of claim 3,
If the second financial transaction is suspended,
The control unit,
As the trader authentication information, at least one of a social security number, a telephone number, an OTP (One Time Password) number, and a trader image by re-taking is received, and when the inputted trader authentication information is confirmed, the second financial transaction is executed. Financial automation equipment. The method of claim 2,
The control unit,
As a result of the comparison by the comparator, when the trader image and the neighboring image do not match within the allowable range, the second financial transaction is executed, and the trader image and the neighboring image extracted in association with the second financial transaction. Updating the database using the automatic teller machine. The method of claim 1,
An output unit including the trader image and the neighboring image in the specification table for the first financial transaction;
Further comprising, the automatic teller machine.

Images