KR20180011610A - Self-banking apparatus for performing financial transaction and method using thereof - Google Patents

Abstract

A self-banking apparatus according to an exemplary embodiment of the present invention includes a storage unit for storing a defined protocol, a communication unit for transmitting and receiving data according to a financial transaction server and a predefined protocol, a type of financial transaction requested by the user, An authentication unit for authenticating the user based on the received information; and a control unit for performing the requested financial transaction in association with the financial transaction server when the identity of the user is authenticated, The defined protocol is defined so that the data does not contain information about the staff member.

Description

[0001] SELF-BANKING DEVICE AND FINANCIAL TRANSACTION METHOD USING THE SAME [0002]

The present invention relates to a self-banking apparatus and a financial transaction method using the same, and more particularly, to a self-banking apparatus and a financial transaction method using the same, To a financial transaction method using the self banking apparatus.

In recent years, besides the development of IT industry, financial automation devices such as ATM (Automated Teller Machine) have been developed. Currently, such financial automation devices are installed in various facilities such as hospitals, schools, department stores, And provides unmanned financial services without space constraints.

However, ATMs can provide basic financial transaction services such as cash withdrawal, transfer, and inquiry by using the customer's card or bankbook media, and can provide financial services such as lending, card issuance, account opening, There is a problem in that it is not possible to provide a financial service that requires verification work or the like.

Therefore, a self-banking device that integrates the concept of face-to-face contact with financial officers and the concept of ATM has emerged. The self-banking device enables services such as issuing a loan, issuing a card, and opening an account without direct contact with a member of the bank.

However, such a self banking apparatus uses a convention configured to include information on an existing staff member.

A problem to be solved by the embodiment of the present invention is to provide a technology for newly defining a contract configured not to include information on a staff member in using a self banking apparatus and performing a financial transaction in accordance with such a contract.

It is to be understood that both the foregoing general description and the following detailed description are exemplary and explanatory and are intended to provide further explanation of the invention as claimed.

The self-banking apparatus according to an embodiment of the present invention performs financial transactions in connection with a financial transaction server. The financial transaction server includes a terminal device used by a member of a financial institution and a first terminal A communication unit for transmitting and receiving second data to and from the financial transaction server on the basis of the second protocol, and a communication unit for transmitting / receiving data to / from the financial transaction server based on the second protocol, wherein the self- An input unit for inputting a type of a financial transaction requested by a user and information used for authenticating the user; an authentication unit for authenticating the identity of the user based on the information; And a controller for performing the requested financial transaction in connection with the transaction server.

At this time, the authentication unit may include an account opening, a card issuance, and a non-face financial transaction of a loan application.

In addition, the first data may include data requiring input of a staff member, and the second data may not include data requiring input of a staff member.

In addition, the authentication unit can receive and authenticate the result of the authentication of the user from the identity authentication server that authenticates the identity of the user based on the information.

According to an embodiment of a method of performing a financial transaction by a self-banking device that performs a financial transaction in connection with a financial transaction server, the financial transaction server may include a terminal device used by a member of a financial institution and a predetermined first protocol Transmitting and receiving first data based on the first data, wherein the first protocol is limited such that the first data includes information about the operator. The method includes receiving a type of a financial transaction requested by a user of the self banking apparatus and information used for authenticating the user of the user, authenticating the identity of the user based on the information, And transmitting the second data to the financial transaction server based on a predefined second protocol different from the first protocol and performing the requested financial transaction when the identity of the first protocol is authenticated, Is defined such that the second data does not include information about the manager.

According to the embodiment of the present invention, the user does not generate data including unnecessary information in the financial transaction using the self banking device, so that the self banking device can quickly perform the financial transaction in transmitting and receiving information with the financial transaction server .

1 is a diagram illustrating a configuration of a financial transaction system according to an exemplary embodiment of the present invention.
2 is a functional block diagram of a self-banking device according to an exemplary embodiment.
3 is a diagram for explaining an embodiment of a second protocol used by the self banking apparatus.
4 is a diagram for explaining a financial transaction method of a self banking apparatus according to an embodiment.

DETAILED DESCRIPTION OF THE EMBODIMENTS Reference will now be made in detail to the preferred embodiments of the present invention, examples of which are illustrated in the accompanying drawings, wherein like reference numerals refer to the like elements throughout. DETAILED DESCRIPTION OF THE PREFERRED EMBODIMENTS An embodiment according to the present invention will be described in detail with reference to the accompanying drawings.

The embodiments disclosed herein should not be construed or interpreted as limiting the scope of the present invention. It will be apparent to those of ordinary skill in the art that the description including the embodiments of the present specification has various applications. Accordingly, any embodiment described in the Detailed Description of the Invention is illustrative for a better understanding of the invention and is not intended to limit the scope of the invention to embodiments.

The functional blocks shown in the drawings and described below are merely examples of possible implementations. In other implementations, other functional blocks may be used without departing from the spirit and scope of the following detailed description. Also, although one or more functional blocks of the present invention are represented as discrete blocks, one or more of the functional blocks of the present invention may be a combination of various hardware and software configurations that perform the same function.

In addition, the expression "including any element" is merely an expression of an open-ended expression, and is not to be construed as excluding the additional elements.

Further, when a component is referred to as being connected or connected to another component, it may be directly connected or connected to the other component, but it should be understood that there may be other components in between.

Also, the expressions such as 'first, second', etc. are used only to distinguish a plurality of configurations, and do not limit the order or other features between configurations.

Hereinafter, embodiments of the present invention will be described with reference to the drawings.

1 is a diagram illustrating a configuration of a financial transaction system according to an exemplary embodiment of the present invention.

Referring to FIG. 1, a financial transaction system includes a self banking apparatus 100, a financial transaction server 200, an ATM 300, a kennel terminal 400, and an identity authentication server 500. Here, each configuration included in such a system can be connected to each other around a communication network. The communication network may be composed of wired communication such as LAN, or wireless communication method such as CDMA, 3G, and LTE.

The self-banking apparatus 100 is an apparatus integrated to perform both of the face-to-face confirmation work with the financial officer and the function of the ATM 300. That is, the self banking apparatus 100 can provide services such as a loan, a card issuance, and an account opening without face to face with a staff member. To this end, the self banking apparatus 100 receives the type of the financial transaction requested by the user and the information used to authenticate the user's identity, authenticates the user's identity based on the input information, ) And conduct financial transactions.

The financial transaction server 200 provides various financial transaction services to a user wishing to conduct financial transactions according to information transmitted from the self banking apparatus 100, the ATM 300, and the keeper terminal 400. The financial transaction server 200 transmits and receives data to and from the self banking apparatus 100, the ATM 300, and the dispatcher terminal 400 on the basis of a predefined protocol. The second protocol between the self banking device 100 and the financial transaction server 200 according to an embodiment may be different from the first protocol between the financial terminal 400 and the financial transaction server 200.

For example, the first protocol may include information on the dispatcher using the dispatcher terminal 400, while the second protocol may be configured not to include dispatcher information. In addition, the second protocol may be configured so as not to include information about the type of the banknote used by the user, the limit of the user, and the like.

The ATM 300 is a type of financial automation equipment and provides general financial transaction services such as cash withdrawal, transfer, and inquiry using a medium such as a user's card or passbook.

The keeper terminal 400 includes a terminal for inputting the user's information and transmitting the information to the financial transaction server 200 in order to provide a financial transaction service in a face-to-face confirmation operation at a place such as a financial institution, a card issuance, And financial services such as loans.

The identity authentication server 500 stores personal information about a plurality of users. Also, it receives information of a specific user from outside, authenticates the user's identity corresponding to the information, and transmits the authenticated identity to the external device.

2 is a functional block diagram of a self banking device 100 according to an embodiment.

2, a self banking apparatus 100 according to an exemplary embodiment of the present invention includes a storage unit 110, a communication unit 120, an input unit 130, an authentication unit 140, and a control unit 150 .

The storage unit 110 stores a predefined second protocol for transmitting and receiving data to and from the financial transaction server 200. The second protocol is a promise of rules and methods for enabling data transmission and reception between the self banking apparatus 100 and the financial transaction server 200. The second protocol will be described later. On the other hand, the storage unit 110 may be embodied as a computer-readable recording medium. Examples of such a computer-readable recording medium include a hardware device specially configured to store and execute program instructions such as ROM, RAM, have.

The communication unit 120 transmits and receives data to and from the financial transaction server 200 based on the second protocol. The communication unit 120 may include various communication modules such as CDMA, LTE, and LTE-A.

The input unit 130 receives the type of the financial transaction requested by the user and the information used to authenticate the user.

The types of financial transactions provided by the self banking apparatus 100 can be general financial transaction services such as account inquiry, financial services that require confirmation of face-to-face contact with existing financial officers such as issuing a loan, issuing a card, opening an account, But is not limited thereto.

Further, the information used to authenticate the user's identity may include various means such as personal information related to the identity, images, biometric information, fingerprints, and the like.

Accordingly, the input unit 130 may include a touch display module for directly receiving personal information from a user, and a sensor module for recognizing the user's biometric information, image, or fingerprint.

The authentication unit 140 transmits information used for authenticating the user inputted from the input unit 130 to the identity authentication server 500 through the communication unit 120. [ When the identity of the user is authenticated from the identity authentication server 500, the authentication unit 140 receives the authentication result through the communication unit 120 and determines whether to start the financial transaction. That is, the authentication unit 140 enables non-face authentication.

At this time, the authentication unit 140 can send and receive personal information about the user, which is required for the financial transaction received from the identity authentication server 500, to the financial transaction server 200 based on the second protocol.

When the identity of the user is authenticated by the authentication unit 140, the control unit 150 transmits and receives data to and from the financial transaction server 200 based on the second protocol.

The second protocol between the self banking device 100 and the financial transaction server 200 according to the embodiment of the present invention is different from the first protocol between the financial terminal 400 and the financial transaction server 200, . ≪ / RTI > In addition, the second rule may be defined such that it does not include the type of the banknote used by the user, information on the limit of the user, and the like.

For example, as shown in FIG. 3, it is possible to generate data including items of a professional division unit, a point, an account number, a fixed unit, an encryption unit, an additional input fixing unit and an additional input variable unit according to a second protocol, Information related to the officer may be omitted from the governing body.

That is, in the conventional face-to-face verification service, the first member has to use a first contract including an item that can input information related to a member in order to receive identification information from a user who wants to conduct a financial transaction and transmit the identification information to the financial transaction server 200. However, according to the embodiment of the present invention, since the self banking apparatus 100 supports non-face authentication, the staff member does not need to intervene. Therefore, the information related to the manager can be omitted.

Therefore, according to an embodiment of the present invention, the user does not generate data including unnecessary information at the time of financial transaction using the self banking apparatus 100, so that the self banking apparatus 100 can access the financial transaction server 200 and information In order to facilitate the execution of financial transactions.

Meanwhile, the communication unit 120 and the control unit 150 included in the above-described embodiment may be implemented by a computing device including a memory including instructions programmed to perform these functions, and a microprocessor that executes these instructions .

4 is a diagram for explaining a financial transaction method of the self banking apparatus 100 according to an embodiment. The financial transaction method according to FIG. 4 can be performed by the self banking apparatus 100, and each step will be described below.

First, the type of the financial transaction requested by the user and the information used to authenticate the user are inputted (S410).

The types of financial transactions provided by the self banking apparatus 100 can be general financial transaction services such as account inquiry, financial services that require confirmation of face-to-face contact with existing financial officers such as issuing a loan, issuing a card, opening an account, But is not limited thereto.

In addition, the information used to authenticate the user may include information that can distinguish personal identities such as personal information related to the identity, images, biometric information, fingerprints, and the like.

Next, the identity of the user is authenticated based on the information used to authenticate the identity of the input user (S420). The information used to authenticate the identity of the input user is transmitted to the identity authentication server 200 and can start the corresponding financial transaction once the identity of the user is authenticated from the identity authentication server 200. [ At this time, if the authentication is successful, the personal authentication server 200 can receive personal information about a user necessary for a financial transaction and use the personal information for financial transaction.

Thereafter, when the user identity is authenticated, the user transmits and receives data to and from the financial transaction server 200 based on the second contract to perform a financial transaction (S430).

4 is the same as that of the self banking apparatus 100, and a detailed description thereof will be replaced with a description of the self banking apparatus 100. [

The above-described embodiments of the present invention can be implemented by various means. For example, embodiments of the present invention may be implemented by hardware, firmware, software, or a combination thereof.

In the case of hardware implementation, the method according to embodiments of the present invention may be implemented in one or more Application Specific Integrated Circuits (ASICs), Digital Signal Processors (DSPs), Digital Signal Processing Devices (DSPDs), Programmable Logic Devices (PLDs) , FPGAs (Field Programmable Gate Arrays), processors, controllers, microcontrollers, microprocessors, and the like.

In the case of an implementation by firmware or software, the method according to embodiments of the present invention may be implemented in the form of a module, a procedure or a function for performing the functions or operations described above. The software code can be stored in a memory unit and driven by the processor. The memory unit may be located inside or outside the processor, and may exchange data with the processor by various well-known means.

Thus, those skilled in the art will appreciate that the present invention may be embodied in other specific forms without departing from the spirit or essential characteristics thereof. It is therefore to be understood that the embodiments described above are to be considered in all respects only as illustrative and not restrictive. The scope of the present invention is defined by the appended claims rather than the detailed description and all changes or modifications derived from the meaning and scope of the claims and their equivalents are to be construed as being included within the scope of the present invention do.

100: Self-banking device
110:
120:
130:
140:
150:
200: financial transaction server
300: ATM
400:
500: Identity authentication server

Claims (4)

The financial transaction server transmits and receives first data based on a terminal apparatus used by a member of a financial institution and a predefined first protocol,
Wherein the self-
A storage unit for storing a previously defined second protocol;
A communication unit for transmitting and receiving second data to and from the financial transaction server based on the second protocol,
An input unit for receiving a type of a financial transaction requested by a user of the self banking apparatus and information used for authenticating the user;
An authentication unit for authenticating the identity of the user based on the information;
And a control unit for performing the requested financial transaction in connection with the financial transaction server when the identity of the user is authenticated
Self-banking device.
The method according to claim 1,
Wherein,
The types of financial transactions include, but are not limited to, account opening, card issuance,
Self-banking device.
The method according to claim 1,
Wherein the first data includes data requiring input of a clerk and the second data includes data that require input of a clerk
Self-banking device.
The method according to claim 1,
Wherein,
And receives and authenticates the result of the authentication of the user from the identity authentication server authenticating the identity of the user based on the information
Self-banking device.

Images