KR20120012116A - Banking automated equipment with deposit amount correction function and financial service method using same - Google Patents

Abstract

The present invention relates to a financial automated device equipped with a deposit amount correcting function and a financial service method using the same. More specifically, after the counting of the banknotes deposited in the cash deposit process in the automatic teller machine is completed, an additional deposit or partial withdrawal menu is provided. By allowing you to modify the deposit amount through the user, if the user needs to make additional deposits or withdraw some of the deposits while using the deposit service, simple button operation is not necessary to stop the current deposit service or perform the operation again from the beginning. The present invention relates to a financial automated device having a deposit amount correcting function capable of additional deposit or withdrawal of a deposit amount only, and a financial service method using the same.
According to the present invention, when a deposit transaction is selected, a first step of reading account information of a customer from a card or a bankbook through a bankbook / card recognition unit, and a second step of counting a banknote to be deposited by receiving a banknote from a customer through a deposit / withdrawal unit; A third step of displaying, via the display unit, a user selection menu including the payment amount information counted in the second step and confirmation, cancellation, additional deposit, and partial menus of the deposit amount; and selecting an additional deposit menu from a customer among the user selection menus Receiving the banknote, counting the sum, and adding the counted amount in the second step and the additional counted amount to display together with the user selection menu; and a partial withdrawal menu from the customer among the user selection menu. When is selected, the desired withdrawal amount input from the customer, the received withdrawal of the banknotes deposited in the second step A fifth step of releasing a bill corresponding to an amount of money, subtracting the withdrawal amount from the amount counted in the second step, and displaying it together with a user selection menu; and receiving a confirmation menu from a customer among the user selection menu, And a seventh step of transmitting the information and the deposit amount information to the financial server of the bank to process the deposit, and the seventh step of releasing the deposited bill when the user selects a cancellation menu from the user selection menu. Provides a financial service method using a financial automated device equipped with a deposit amount correction function.

Description

Automatic teller machine with deposit amount correction function and financial service method using the same {An ATM with deposit amount correction function and the service method of using the same}

The present invention relates to a financial automated device equipped with a deposit amount correcting function and a financial service method using the same. More specifically, after the counting of the banknotes deposited in the cash deposit process in the automatic teller machine is completed, an additional deposit or partial withdrawal menu is provided. By allowing you to modify the deposit amount through the user, if the user needs to make additional deposits or withdraw some of the deposits while using the deposit service, simple button operation is not necessary to stop the current deposit service or perform the operation again from the beginning. The present invention relates to a financial automated device having a deposit amount correcting function capable of additional deposit or withdrawal of a deposit amount only, and a financial service method using the same.

Automated Teller Machines (ATMs) are automated devices that can assist basic financial services, such as deposits or withdrawals, without the need for a bank employee, regardless of location and time. The automated teller machine is configured to automatically perform a transaction such as withdrawal (withdrawal) or deposit (deposit) of cash (paper money) using a medium such as a card or a bank account.

In recent years, most companies use a five-day week system to use financial automation devices such as ATMs and CDs, rather than going directly to the bank, which leads to an increase in the installation of financial automation devices. The number of people is increasing. Currently, financial automation devices are being implemented in consideration of not only main tasks but also various additional functions, and are continuously developing financial automation devices to improve bank competitiveness and customer satisfaction.

1 is a flow chart showing a banknote payment method in a conventional automated teller machine.

As shown in Figure 1, when the customer selects the deposit transaction menu displayed on the LCD screen or the touch screen of the automated teller machine to deposit the bill using the automated teller machine (S112), the automated teller machine displays the screen. Request the insertion of the customer's card or bankbook. Subsequently, when the customer inserts the card or bankbook into the slot or swaps the reader unit, the account information of the customer is read from the magnetic strip formed on the card or bankbook (S114). Here, the card is not limited to a card having a magnetic strip, but may be a smart card with an IC chip.

Next, the automated teller machine will open the banknote entrance to receive the banknotes (S116). When the customer puts the bill into the banknote input hole and selects the confirmation button displayed on the screen (S118), the automatic teller machine closes the slot and counts the banknote (S120), and displays the counting amount on the screen (S132). At this time, if there is a banknote that is not recognized (S122) will release the banknotes that are not recognized (S124), if the customer re-injected after confirming this (S126), counting the banknotes re-injected again (S128) Is displayed on the display unit and checks it (S130), and displays the total deposit amount again on the display unit (S132).

Then, when the displayed amount is correct, the customer presses a confirmation button (S134), and the automated teller machine sends the account information and the deposit amount information of the customer to the financial server of the bank. Thereafter, the financial server deposits the amount according to the deposit amount information into the corresponding account, thereby completing the deposit processing of the customer (S136). On the contrary, if the displayed amount is not correct, the customer presses the cancel button, and the automated teller machine outputs a stop notification to the customer and releases all the received bank notes (S138). In addition, if the customer puts less or more bills than the desired deposit amount, or suddenly additional deposit is required during the deposit process or if the deposit amount must be partially returned, the customer cancels the deposit service in progress by pressing the cancel button. In addition, all banknotes are released and the deposit service is performed again from the beginning.

In the related art, in the case of using the deposit service, when additional deposit is required or a part of the deposit is withdrawn, the payment service in progress is stopped and only the desired amount of bills released is counted by the customer and the above-mentioned deposit is made. There was the inconvenience of having to re-run the service from the beginning. In addition, when additional deposits are required, it was necessary to wait for the completion of the deposit service in progress and then experience the inconvenience of performing the service for depositing an additional amount.

The present invention is to solve the above problems according to the prior art. That is, an object of the present invention, after the completion of the counting of the banknotes deposited in the cash deposit process in the automated teller machine, the additional deposit or partial withdrawal menu to support the modification of the amount of payment by additional deposits while using the deposit service If you need to withdraw or need to withdraw a portion of the deposit amount, there is a deposit amount correction function that can perform additional deposit or withdrawal of the deposit amount with a simple button operation without the inconvenience of stopping the current deposit service or performing it again from the beginning. The present invention provides a financial automated device and a financial service method using the same.

As a technical idea for achieving the above object, the present invention is composed of a shutter and the user's deposit and withdrawal unit, the banknote is temporarily passed through the discrimination unit for discriminating whether there is an abnormality of the bill through the conveyance path located inside the main body of the automatic teller machine. A deposit and withdrawal unit connected to a temporary storage unit and a recycling box unit capable of depositing and withdrawing money; It includes a control unit for controlling the execution of the deposit process to transfer the deposit to the financial server of the bank, the control unit counts the banknotes input from the customer during the deposit process, and then confirms, cancels the deposit amount through the display unit To provide a user-selected menu including additional deposits and some withdrawal menus It provides an automatic teller machine provided with a deposit amount correction according to claim.

In addition, when the deposit transaction is selected, the first step of reading the account information of the customer from the card or bankbook through the bankbook / card recognition unit, and the second step of counting the bills received by receiving the banknotes from the customer through the deposit and withdrawal unit; And a third step of displaying, via the display unit, a user selection menu including the payment amount information counted in the second step and confirmation, cancellation, additional deposit, and some menu items of the payment amount, and an additional deposit menu from a customer among the user selection menus. Is selected, the fourth step of receiving and counting additional bills, the sum of the amount counted in the second step and the additional counted amount is displayed together with the user selection menu, and part of the user selection menu from the customer When the withdrawal menu is selected, a desired withdrawal amount is input from the customer, and the input is received from the banknotes deposited in the second step. A fifth step of discharging the bill corresponding to the withdrawal amount, subtracting the withdrawal amount from the amount counted in the second step, and displaying the withdrawal amount together with the user selection menu; And a sixth step of transmitting the account information and the deposit amount information to the financial server of the corresponding bank, and depositing the deposited bill when the customer selects a cancellation menu from the user selection menu. Provides a financial service method using a financial automated device equipped with a deposit amount correction function.

In the case of using the automatic teller machine equipped with the payment amount correction function according to the present invention and the financial service method using the same, the deposit service that is in use even when additional deposit is required or a part of the deposit is withdrawn during the use of the deposit service. Additional payments or partial withdrawals of the deposits can be performed with a simple button operation without the inconvenience of interrupting or resuming from the beginning.

Accordingly, it is possible to reduce the time required to use the deposit service, thereby improving customer service satisfaction, and providing differentiated customer service, so that many customers can expect to increase profits of financial institutions with fees using continuous financial automation equipment. have.

1 is a flow chart illustrating a banknote deposit method in a conventional automated teller machine.
Figure 2 is a block diagram of the internal configuration of the automated teller machine equipped with a deposit amount correction function according to an embodiment of the present invention.
3 is a flow chart illustrating a deposit service method capable of modifying the deposit amount according to an embodiment of the present invention.
4 is a flow chart showing a deposit service method capable of modifying the deposit amount extended to the flow chart shown in FIG.
Figure 5 is a side view of the deposit and withdrawal unit of the automated teller machine equipped with a deposit amount correction function according to an embodiment of the present invention.
6 is an example of a transaction screen according to an embodiment of the present invention.
7 is an example of a transaction screen according to an embodiment of the present invention.
8 is an example of a transaction screen according to an embodiment of the present invention.

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

Figure 2 is a block diagram illustrating the internal configuration of the automatic teller machine equipped with a deposit amount correction function according to an embodiment of the present invention.

Referring to Figure 2, the financial automation device according to the present invention consists of a plurality of keys for basic input and output, the key input unit 210 for converting and outputting the user's input information into an electrical signal and the card to recognize the information of the inserted card The recognition unit 220, a bankbook recognition unit 230 for recognizing the information of the input bankbook, and a deposit and withdrawal unit 270 that performs the function of depositing and withdrawing bills and / or checks.

In addition to the general transaction, the storage unit 240 for storing a program for controlling the system or the transaction details of the automated teller machine, the communication unit 280 for performing information exchange with the financial server of the head office, and A control unit 290 for exchanging information with the main office through the communication unit 280 of the communication unit, a display unit 250 for displaying transaction details, etc. on the screen, and a printing unit 260 for printing and outputting the transaction details table. .

The key input unit 210 includes a plurality of keys or a touch screen, and means for converting the user's input information into an electrical signal and outputting the same. An additional deposit menu key for performing an additional deposit during a deposit service and a deposit Some withdrawal menu keys can be used to withdraw some of the amounts.

The deposit and withdrawal unit 270 includes a shutter 272 and a user withdrawal and withdrawal unit 274. A discrimination unit (not shown) for discriminating the presence or absence of banknotes through a conveying path (not shown) located inside the main body of the automatic teller machine (not shown). ), A temporary storage unit (not shown) through which the banknote is temporarily loaded, and a recycling box unit (not shown) capable of depositing and withdrawing money. The deposit and withdrawal unit 270 opens the shutter 272 when the customer requests the deposit and receives the banknote into the user deposit and withdrawal unit, and counts the inserted banknote and temporarily stores the banknote through the transport path. In addition, when the customer cancels the deposit service or requests a partial withdrawal, the temporary storage unit transfers the banknotes corresponding to the amount requested by the customer to the user withdrawal unit 274 through the return path. Herein, the process of transferring the inserted banknote to the temporary storage unit and the process of transferring the temporary banknote from the temporary storage unit to the user's deposit / exit unit will be described in more detail with reference to FIGS.

The control unit 290 controls the respective devices to provide the customer with a deposit service that can modify the deposit amount during the deposit process. The controller 290 receives a banknote by opening the shutter 272 of the deposit and withdrawal unit 270 when receiving a deposit request from the customer through the key input unit 210 during the deposit process, counting the banknotes and temporarily storing the banknotes. Transfer to the wealth, the sum of the previously deposited amount and the additional deposit amount is displayed on the display unit 250.

In addition, when the controller 290 is requested to withdraw a portion of the amount received from the customer through the key input unit 210 during the deposit process, the controller 290 requests the customer with the desired withdrawal amount through the display unit 250 and the key input unit 210. The bill is returned to the user deposit and withdrawal unit 274 as much as the withdrawal amount requested through) and paid to the customer. Subsequently, the withdrawal amount is subtracted from the previously received amount and displayed on the display unit 250.

In this way, if a customer needs additional deposit or withdraws a part of the deposit while using the deposit service, the additional deposit or deposit amount can be made with a simple button operation without the inconvenience of stopping or performing the deposit service in use. You will be able to withdraw a portion of.

3 to 4 are flowcharts showing a deposit service method capable of modifying the deposit amount according to an embodiment of the present invention, Figure 5 is a side view of the deposit and withdrawal unit of the automated teller machine equipped with the deposit amount correction function according to an embodiment of the present invention; 6 to 8 are examples of a transaction screen according to an embodiment of the present invention.

As shown in FIG. 5, the deposit and withdrawal unit 270 of the automated teller machine according to the present invention includes a shutter 272 and a user deposit and withdrawal unit 274, and a transport path 510 located inside the main body of the automated teller machine. It is connected to the discriminating unit 540 for discriminating whether there is an abnormality of the bill, the temporary storage unit 520 is temporarily loaded through the discriminating unit 540 and the recycling box unit 530 capable of deposit and withdrawal .

First, when the customer selects the deposit transaction menu (S312), the controller requests the customer to input the card or the bankbook through the display unit, and when the customer inputs the card or the bankbook, the card recognition unit or the bankbook recognition unit recognizes this, The account information is read (S314).

Subsequently, the controller opens the shutter 272 of the deposit and withdrawal unit to expose the user deposit and withdrawal unit 274 to the customer (S316). The customer may put as many bills as desired into the exposed user deposit and withdrawal unit 274 (S318), and the inserted banknotes are transferred to the discriminating unit 540 through the first transport path 511, and the discriminating unit ( In step 540, the inserted banknote is discriminated and counted (S320). As a result of the discrimination, if it is determined as a normal banknote, the bill is temporarily stored in the temporary storage unit 520 via the second transport path 512 and the third transport path 513 (S322), on the contrary, as unrecognized bills. In case of discrimination, the sample is transferred to the reject conveying path 515 via the second conveying path 512 and then waited until the discrimination and counting of the inserted banknotes is completed, and then the reject conveying path 515 and the second conveying path are completed. 512 and the first transport path 511 is conveyed in the reverse direction and returned to the user through the user deposit and withdrawal unit 274.

The discriminating unit 540 is equipped with a bill detection sensor, authenticity inspection sensor, damage inspection sensor and the like. In particular, in the case of a module for depositing and withdrawing checks, a magnetic ink character recognizer (MICR) for detecting a check serial number, an endorsement printer, an image scanner, or the like may be installed. The control unit determines whether or not the authenticity of the banknotes deposited through the discriminating unit 540, and can query the value state or other restrictions of the banknotes using a database connected to the bank computer network. The banknotes deposited during the normal bank check process are maintained in the temporary storage unit 520.

Subsequently, if it is recognized that all of the inserted banknotes are suitable for a normal transaction, the controller displays the counted amount on the display unit so that the customer can check it (S324). In this case, as shown in FIG. 6, the controller displays a user selection menu 310 through which the customer can select partial withdrawal or additional deposit together with the counted amount.

If the customer selects an additional deposit menu in the user selection menu 310 (S326), while the banknotes previously deposited are kept loaded in the temporary storage unit, the customer opens the shutter of the deposit and withdrawal unit (S328). The banknotes to be deposited are received (S330). After the inserted banknotes pass through the first transport path 511, they are discriminated and counted through the discriminating unit 540 (S332), and temporarily stored through the second transport path 512 and the third transport path 513. Transfer to 540 (S334), as shown in Figure 7, the control unit adds the amount of money previously received and the additional amount of money (S336) and displays through the display (S324).

Subsequently, when the customer checks the displayed amount and selects the confirmation key through the key input unit (S348), the controller transmits the account information and the deposit amount information of the customer to the financial server of the corresponding bank (S350) and temporarily stores the temporary storage unit. The stored bills are transferred to the recycling box unit 530 through the third transport path 513, the fourth transport path 514, and the second transport path 512 (S352). Thereafter, the financial server deposits the amount according to the deposit amount information into the corresponding account, thereby completing the deposit processing of the customer.

When the customer selects some withdrawal menus from the user selection menu 310 (S338), the control unit receives a withdrawal amount from the customer through the key input unit (S340), and the control unit drives the return paths in the reverse direction to correspond to the withdrawal amount. The amount of money to be returned (S342) to the user deposit and withdrawal unit (S344). In other words, after the banknotes loaded in the temporary storage part pass through the third transport path 513 driven in the reverse direction, the user withdraws money through the second transport path 512 and the first transport path 511 as much as the withdrawal amount. Returned to 274.

Subsequently, as shown in FIG. 8, the controller subtracts the withdrawal amount from the amount of money previously deposited by the customer (S346) and displays it on the display unit so that the customer can check (S324). When the customer checks the displayed amount and selects the confirmation key through the key input unit (S348), the control unit transmits the account information and the deposit amount information of the customer to the financial server of the corresponding bank (S350) and temporarily stores the unit 520. The bills temporarily stored are transferred to the recycling box unit 530 (S352). Thereafter, the financial server deposits the amount according to the deposit amount information into the corresponding account, thereby completing the deposit processing of the customer.

On the other hand, when the customer cancels the deposit (S348) or determines that the bill is not suitable when checking the suitability, the control unit outputs the transaction stop guidance to the customer through the display unit, and temporarily stored in the temporary storage unit 520 The bills are conveyed to the user deposit / exit unit 274 via the third conveyance path, the second conveyance path, and the first transport path driven in the reverse direction, and the shutter 272 is opened to discharge the received bills (S354).

Through the above process, if the customer needs additional deposit or withdraws a part of the deposit during the use of the deposit service, the user can simply stop the deposit service in use or perform the operation again from the beginning. It will be possible to withdraw additional deposits or portions of deposits.

The present invention described above is not limited to the above-described embodiment and the accompanying drawings, and various substitutions, modifications, and changes are possible in the art without departing from the technical spirit of the present invention. It will be clear to those of ordinary knowledge.

210: key input unit 220: card recognition unit
230: bank account recognition unit 240: storage unit
250: display unit 260: printing unit
270: deposit and withdrawal unit 272: shutter
274: user deposit and withdrawal unit 280: communication unit
290: control unit 310: user selection menu
510: return path 511: first return path
512: second transport path 513: third transport path
514: 4th return path 515: reject return path
520: temporary storage unit 530: recycling box unit
540: discrimination

Claims (8)

A bankbook / card recognition unit for inserting a bankbook or card for financial transactions, a key input unit for receiving user input information, a display unit for displaying transaction details, a storage unit for storing transaction details, and a transaction history printing In the automatic teller machine comprising a printing unit and a communication unit for exchanging data with the financial server,
It consists of a shutter and a user's deposit and withdrawal unit, a discriminating unit for discriminating whether there is an abnormality of bills through a conveying path located inside the main body of the automatic teller machine, and a temporary storage unit for temporarily loading banknotes through the discriminating unit and a recycling box unit capable of depositing and withdrawing money; A deposit and withdrawal unit connected;
A control unit for receiving and counting bills from the deposit and withdrawal unit, transferring the counted bills to the temporary storage unit, and controlling the execution of the deposit process by transferring the counted amount and account information of the customer to the financial server of the bank; ;
Consists of including
The control unit,
After the banknotes counted from the customer during the deposit process, the user is provided with a user selection menu including a confirmation, cancellation, additional deposit and partial withdrawal menu of the amount of payment through the display unit equipped with a payment amount correction function, characterized in that .
The method of claim 1,
The control unit,
If an additional deposit menu is selected from the user selection menu,
Opening the shutter of the deposit and withdrawal unit receives and counts additional banknotes, transfers them to the temporary storage unit, adds the previously deposited amount and the additionally deposited amount to display on the display unit, and deposits the summed amount. A financial automation device with a deposit amount correction function, characterized in that for performing a deposit process.
The method of claim 1,
The control unit,
If a part of the user selection menu withdrawal menu is selected,
After the customer inputs a withdrawal amount desired by the key input unit, counts a bill corresponding to the input withdrawal amount among the banknotes transferred and stored in the temporary storage unit and returns it to the user withdrawal unit, and then deposits the previously deposited amount. The amount of money withdrawn from the display on the display unit, and the automatic payment device equipped with a deposit amount correction function, characterized in that for performing a deposit process for depositing the subtracted amount.
The method of claim 1,
The deposit and withdrawal unit,
A financial automated machine equipped with a deposit amount correcting function, which performs a deposit and withdrawal function of a bill or a check.
In the method of providing a financial service using a financial automated device equipped with a deposit amount correction function,
When the deposit transaction is selected, reading the account information of the customer from the card or the bankbook through the bankbook / card recognition unit;
A second step of counting the bills received by receiving the bills from the customer through the deposit and withdrawal unit;
A third step of displaying, via the display unit, a user selection menu including the payment amount information counted in the second step and confirmation, cancellation, additional deposit and partial menu of the deposit amount;
A fourth step of receiving an additional banknote from the user, selecting the additional deposit menu from the user selection menu, counting additional bills, adding the counted amount and the additional counted amount, and displaying the sum together with the user selected menu; Wow;
If a user selects a partial withdrawal menu from the user selection menu, a desired withdrawal amount is input from the customer, and the banknote corresponding to the input withdrawal amount is released from the banknotes deposited in the second step, and in the second step A fifth step of subtracting the withdrawal amount from the counted amount and displaying it together with a user selection menu;
A sixth step of, if the user selects a confirmation menu from the user selection menu, transfers the account information and the deposit amount information to the financial server of the bank;
A seventh step of releasing the deposited bill if a cancellation menu is selected from a customer among the user selection menus;
Financial service method using a financial automated device with a deposit amount correction function characterized in that it comprises a.
6. The method of claim 5,
The bill counted in the second step,
Financial service method using a financial automated device with a deposit amount correction function, characterized in that temporarily stored in the temporary storage.
6. The method of claim 5,
After the sixth step,
The banking service method using a financial automatic device with a deposit amount correction function, characterized in that it further comprises the step of transferring the bill in the temporary storage unit to the recycling box unit.
6. The method of claim 5,
If there is a banknote not recognized in the second step,
Financial service method using a financial automated device with a deposit amount correction function, characterized in that it further comprises the step of releasing unrecognized bills.

Images