KR101746086B1 - Financial terminal and method for providing financial service using the same - Google Patents

Abstract

A financial terminal according to an embodiment includes a display unit, a communication unit for communicating with a financial company server, a recognition unit for receiving user information, a user authentication unit for authenticating a user using user information input from the recognition unit, The control unit receives the financial service subscription status information of the user from the financial company server and changes the screen displayed on the display unit using the subscription status information.

Description

TECHNICAL FIELD [0001] The present invention relates to a financial terminal and a financial service providing method using the financial terminal.

The present invention relates to a financial terminal that is easy to subscribe or apply for a financial service and a method for providing a financial service using the same.

In accordance with the rapid development of information and communication technology, a variety of financial services are provided using financial terminals such as a cash dispenser (CD) and an automatic teller machine (ATM). Such financial terminals are installed at each branch of a financial institution or at a place provided in a position affiliated with a financial institution.

A financial terminal is a device that assists a user to use a financial service such as a deposit or withdrawal without a financial institution employee. The user uses a medium such as a card or a passbook to withdraw cash and a check through a financial terminal, Of financial transactions.

On the other hand, a user using such a financial terminal can use the financial service through non-face-based self-certification. Therefore, there is a problem that the user can not use some of the financial services provided through the financial service staff at the bank window, through the financial terminal, in a face-to-face manner.

Further, when a user subscribes or subscribes to a financial service through a financial terminal or the like, there is an inconvenience that the subscription procedure or the application procedure is interrupted for the user subscribed to the financial service.

The embodiments are directed to solving the above problems and other problems. Another object of the present invention is to provide a financial terminal having a convenient financial service subscription and a method of providing a financial service using the same.

Another object of the present invention is to provide a security-enhanced financial terminal and a method for providing a financial service using the same.

To achieve the above object, a financial terminal according to an embodiment includes a display unit, a communication unit for communicating with a financial company server, a recognition unit for receiving user information, a user authentication unit for authenticating a user using user information input from the recognition unit, And a control unit for receiving the financial service subscription status information of the user from the financial company server when the user authentication is completed in the user authentication unit and changing the screen displayed on the display unit using the subscription status information.

If the subscription state of the user is determined to be the normal subscription state or the abnormal subscription state using the subscription state information, the control unit may display a screen including the first object for proceeding with the financial service re-entry procedure on the display unit .

When the first object is selected, the control unit may transmit to the financial service server, through the communication unit, a message requesting the user to cancel the subscription to the financial service.

If the subscription status of the user is determined to be in the normal subscription state, the control unit may further include a second object for proceeding with the supplementary service application procedure related to the financial service on the screen including the first object, have.

When the second object is selected, the control unit can receive information related to the additional service of the user from the financial company server.

The control unit may display a screen including a third object for proceeding with the financial service subscription procedure on the display unit when the subscription status of the user is determined to be in an unused state by using the subscription status information.

When the first object is selected, the control unit may display a screen including the third object on the display unit.

Financial services include online services, and subscription status information includes non-online services, normal subscription to online services, unregistered passwords for online services, over-error counts for online service subscriptions, excess number of transferee password errors, The number of times, the number of times exceeded, the 12-month money transfer non-use, the business branch termination, the customer termination and the 3 business day un-registration termination.

If the subscription status information includes only the information corresponding to the non-online service, the control unit determines that the subscription status of the user is not in the subscription status. If the subscription status information includes only the information corresponding to the online service subscription, If the subscription status information includes information corresponding to the non-online service subscription and information corresponding to the online service subscription, it is determined that the subscription status of the user is an abnormal subscription status have.

If the new subscription application for the financial service is input from the user, the control unit can transmit the new subscription to the financial service to the financial company server to receive the financial service subscription status information of the user.

And the communication unit is connected to an administrator terminal of a financial company employee. The user authentication unit reads the information described in the ID card using the ID image data scanned from the ID unit, and displays the user image, the ID image data And the information described in the identification card is transmitted to the administrator terminal, and the user authentication can be completed according to the authentication confirmation telegram received from the administrator terminal.

The recognition unit senses at least one of the vein distribution pattern, the iris pattern, the retina pattern, and the fingerprint pattern as biometric information. The user authentication unit transfers the biometric information to the financial company server. Can be completed.

A method of providing financial services using a financial terminal according to an embodiment includes displaying a user authentication screen including objects corresponding to a plurality of user authentication methods on a display unit, receiving an input for selecting at least one of the objects, The method comprising the steps of: operating a recognition unit to receive user information corresponding to a received input, and authenticating a user using information input from the recognition unit; and when the user authentication is completed, And changing a screen displayed on the display unit using the subscription status information.

The step of changing the screen displayed on the display unit includes a first object for proceeding with the financial service re-entry procedure when the subscription status of the user is determined to be the normal subscription status or the abnormal subscription status using the subscription status information And displaying the screen on the display unit.

The step of changing the screen displayed on the display unit may further include transmitting, when the first object is selected, a message requesting termination of subscription to the financial service of the user to the financial service server through the communication unit.

In the step of changing the screen displayed on the display unit, when it is determined that the subscription status of the user is a normal subscription, a second object for proceeding with the supplementary service application procedure related to the financial service is displayed on the screen including the first object And further including the step of displaying.

And when the second object is selected, receiving information related to the additional service of the user from the financial company server.

And displaying a screen including a third object for proceeding with the financial service subscription procedure on the display unit when the subscription status of the user is determined to be in the status of not using the subscription status information.

The step of changing the screen displayed on the display unit may further include, when the first object is selected, displaying the screen including the third object on the display unit.

Financial services include online services, and subscription status information includes non-online services, normal subscription to online services, unregistered passwords for online services, over-error counts for online service subscriptions, excess number of transferee password errors, The number of times, the number of times exceeded, the 12-month money transfer non-use, the business branch termination, the customer termination and the 3 business day un-registration termination.

The step of changing the screen displayed on the display unit may include determining that the subscription status of the user is not in the subscription state when the subscription status information includes only information corresponding to the subscription to the online service subscription, It is determined that the subscription state of the user is a normal subscription state. If the subscription state information includes information corresponding to the non-online service subscription and information corresponding to the online service subscription, May be determined to be in an abnormal base subscription state.

The step of authenticating a user may include driving a camera and a recognition unit to scan a user and scanning an ID card placed on the scanner, reading information recorded in the ID card using image data of the scanned ID card, Transmitting the captured image, the ID image data and the information described in the ID card through the communication unit, and completing the user authentication according to the authentication confirmation received from the administrator terminal through the communication unit.

The step of authenticating the user may include the steps of driving the recognition unit to sense at least one of the vein distribution pattern, the iris pattern, the retina pattern, and the fingerprint pattern as biometric information, and transmit the biometric information to the financial company server, And completing the user authentication according to the confirmation specification.

Effects of the financial terminal according to the embodiment and the financial service providing method using the same will be described as follows.

According to at least one of the embodiments, there is an advantage that a user can conveniently apply for a financial service.

In addition, according to at least one of the embodiments, there is an advantage that a user can securely apply for a financial service.

Further, according to at least one of the embodiments, since the termination procedure and the subscription procedure of the financial service are continuously performed, the efficiency of the work processing of the customer is increased.

Additional ranges of applicability of the embodiments will be apparent from the following detailed description. It should be understood, however, that the detailed description and specific examples, such as the preferred embodiments of the invention, are given by way of illustration only, since various changes and modifications within the spirit and scope of the embodiments will be apparent to those skilled in the art.

1 is an exemplary diagram illustrating a financial terminal according to an embodiment and a financial service system including the same.
2 is a block diagram schematically illustrating the financial service system of FIG.
3 is a block diagram schematically illustrating a financial terminal according to an embodiment.
4 is a flowchart schematically showing a method of providing a financial service using a financial terminal according to an embodiment.
FIG. 5 is a flowchart showing a step of selecting an authentication method included in the authentication step of FIG.
FIG. 6 is an exemplary view showing a screen displayed on a financial terminal for selecting the authentication method of FIG. 5;
FIG. 7 is a flowchart specifically illustrating an authentication method according to the first embodiment, and FIG. 8 is a flowchart specifically illustrating an authentication method according to the second embodiment.
FIG. 9 is a flowchart showing the financial service providing step of FIG. 4 in detail.
FIGS. 10 to 16 are diagrams illustrating screens displayed on a financial terminal according to a financial service providing method 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, wherein like or similar elements are denoted by the same or similar reference numerals, and redundant description thereof will be omitted. The suffix "module" and " part "for the components used in the following description are given or mixed in consideration of ease of specification, and do not have their own meaning or role. In the following description of the embodiments of the present invention, a detailed description of related arts will be omitted when it is determined that the gist of the embodiments disclosed herein may be blurred. 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. , ≪ / RTI > equivalents, and alternatives.

Terms including ordinals such as first, second, etc. may be used to describe various elements, but the elements are not limited by terms. Terms are used only for the purpose of distinguishing one component from another.

It is to be understood that when an element is referred to as being "connected" or "connected" to another element, it may be directly connected or connected to the other element, . On the other hand, when an element is referred to as being "directly connected" or "directly connected" to another element, it should be understood that there are no other elements in between.

The singular expressions include plural expressions unless the context clearly dictates otherwise.

In the present application, the terms "comprises", "having", and the like are used to specify that a feature, a number, a step, an operation, an element, a component, But do not preclude the presence or addition of one or more other features, integers, steps, operations, elements, components, or combinations thereof.

FIG. 1 is an exemplary diagram for explaining a financial terminal according to an embodiment and a financial service system including the same. FIG. 2 is a block diagram schematically illustrating the financial service system of FIG.

The financial service system of FIG. 1 includes a financial server 100, a financial institution system 200, a financial company server 100, and a financial institution server 100 that perform a predetermined financial transaction procedure requested from a financial transaction medium in cooperation with at least one financial transaction medium. (For example, a cash dispenser / cash dispenser (CD / ATM) and a kiosk) connected via a financial network 32 (for example, an on-line network) An Internet banking system using a client terminal 10, 11, 12 (for example, a desktop computer, a notebook computer, a smart phone, etc.) connected to the Internet, and a public switched telephone network (PSTN) 11 and 12, and a telephone banking system using an ARS (Automatic Response Service). Each financial transaction medium includes at least one financial transaction system, The.

First, the financial institution system 200 may be provided with a financial institution to open at least one financial account for a financial transaction customer and to provide financial services based on the financial account.

2, the financial institution system 200 may include an external system 220, an accounting system 230, an information system 240, a DBMS 210, and an interface module 250 have. The components shown in FIG. 2 are not essential for implementing the financial institution system 200, so that the financial institution system 200 described herein may have more or fewer components than those listed above have.

More specifically, the large-scale entity 220 among the above-mentioned components can be connected between the financial institution system 200 and the financial institution server 100, between the financial institution system 200 and at least one other financial institution system 200 Access to the financial institution system 200 in at least one non-face financial transaction means (e.g., Internet banking, telephone banking, etc.) provided in the interconnection or at least one external communication network, or at least one public network For example, CD public network, financial public network).

The account system 230 may process a credit transaction that occurs in at least one branch (or window), or a window transaction such as a receipt or trust or foreign exchange.

The information system 240 can process the task of the headquarters, support the branch information, and manage customer information.

The DBMS 210 may store at least one piece of information required to perform each function in the components of the financial institution system 200 to store and manage predetermined information (e.g., ledger information, customer information, product information, management information, Lt; / RTI > database.

The interface module 250 may include a middleware platform that provides interfacing between components within the financial institution system 200.

According to an embodiment, the financial institution system 200 may be designed to have a design intent or a purpose of each financial institution (e.g., a commercial bank, a savings bank, a trust bank) and a financial institution system 200 in which the financial institution system 200 is provided It is possible to further include at least one component such as a foreign exchange module (not shown), an investment banking module (not shown), an international financial module (not shown), and the like, Those skilled in the art will be familiar with the detailed technical details of the financial institution system 200, so that detailed description thereof will be omitted for the sake of convenience, and the present invention is not limited thereto.

According to the embodiment, the financial institution system 200 provided in a financial institution is connected to at least one window terminal provided at a branch (or branch office) of a financial institution through a predetermined financial network (for example, an on-net) And provides a face-to-face financial service for at least one financial transaction customer through a window terminal.

The financial institution system 200 may also include at least one financial terminal 300 including a CD / ATM / kiosk provided at a branch (or branch) of a financial institution, or at least one other financial institution affiliated with the financial institution At least one financial terminal 300 provided at a branch office of another financial institution or at least one financial terminal 300 provided at a public place through a predetermined financial network (for example, a CD shared network) have. The financial institution system 200 provides a non-face-to-face financial service for at least one financial transaction customer through the financial terminal 300.

The financial institution system 200 may be connected to the Internet banking server 20 and the telephone banking server 22 through a predetermined interface means 30. The Internet banking server 20 and the telephone banking server 22 may be connected to at least one client terminal 10, 11, 12 or a wire telephone through a communication network. Accordingly, the financial institution system 200 provides the non-face-to-face financial service to at least one financial transaction customer through the Internet banking server 20 and the tele banking server 22. [

Here, the communication network may be a network (e.g., a wired Internet, an IEEE 802.11x based wireless LAN, or an IEEE 802.16x based portable Internet) connected to a TCP / IP based backbone network, (E.g., a PSTN (Code Division Multiple Access) based mobile communication network, an IEEE 802.16x based portable Internet, or a DataTAC / Mobitex based wireless data communication network), a predetermined wired voice communication network (E. G., A telephone), or some wireless voice communication network (e. G., A CDMA based mobile communication network)

The client terminals 10, 11, and 12 may be a personal computer (PC) or a notebook computer having a wired Internet connection and a browsing function, a notebook or portable terminal having a wireless LAN / portable Internet access and browsing function, A Personal Communication System (PCS), a Global System for Mobile (GSM) terminal, a PDA (Personal Digital Assistant), a smart phone, or telematics.

According to the embodiment, the financial institution provided with the financial institution system 200 is provided with a predetermined financial account such as a commercial bank, a savings bank, a securities company, and the like, and a predetermined electronic passbook, a cash card, It is desirable to include all financial institutions that can issue such financial information, and it is not limited to specific financial institutions.

In addition, the predetermined interface means 30 may include a predetermined financial network that is closed from the outside.

In addition, the DBMS 210 includes a ledger D / B 211, a management information D / B 212, and a customer information D / B 213.

First, the ledger information provided in the ledger D / B 211 may include at least one information associated with a predetermined customer ledger, a ledger associated with the customer ledger, and an account ledger. The general ledger D / B 211 provided in the DBMS 210 on the financial institution system 200 may have at least one ledger (for example, It is to be understood that the present invention further includes at least one additional information for maintaining and managing the receivers, receivers, lenders, collateral directors, etc.) or directors, and will be familiar with the detailed technical details thereof For the sake of simplicity.

The Customer Ledger is composed of Customer Information File (CIF) number, country code, contact person ID, branch number, customer classification, customer name, customer address, area code, telephone number, business number, business name, classification code, expiry date, TRW, DB, Usage, Parent Company Number, Account Date, Cash Available Date, Last Name, Resident Registration Number, Company Address, Company Phone Number, Mailing Location, Account Number, President, Industry, Legal Representative. And includes at least one of the following: a name of a state, a name of a state, a transmission, a sex, a resident, a job, a postal address, a company name, a guardian name, a guardian telephone number, , And the customer ledger includes ledger information for a customer including at least one of an individual customer, an enterprise customer, and a minor. Those skilled in the art will clearly understand the contents and characteristics of the information contained in the customer ledger, so that a detailed description thereof will be omitted for the sake of convenience.

The account ledger is linked to the customer ledger in a relational manner and is a ledger corresponding to the financial account. The ledger corresponds to the account number (or the security number), CIF number, point number, currency, date of opening, status, ARS setting, final deposit date, final payment date, final deposit amount, final transaction amount, number of transactions without transaction, interest transfer account, credit card number, bank account balance 1, RB balance 2, bankbook balance, passbook number, (Number of days), number of days (number of days), period of extension (number of days) corresponding to the account ledger, and the like. , Periodic receipt information including at least one of the expiration date and the target amount, trust account information including at least one account number, deposit amount, face amount, pension day, and stock number corresponding to the account ledger, Transaction history information including at least one of a left number, a transaction number, a date, a point number, a product type, a transaction type, a current amount, a RBO, a batch number, a complex transaction, . Those skilled in the art will clearly understand the contents and features of the information included in the account ledger and the additional information configuration, and therefore, a detailed description thereof will be omitted for the sake of convenience.

Next, the customer information provided in the customer information D / B 213 includes customer's personal information (e.g., customer's name, resident registration number, address, telephone number, mobile phone number, (For example, member ID information or CIF number provided in the customer ledger provided on the financial institution system 200 in response to the customer by joining the customer as a financial transaction customer of the financial institution) .

The financial institution system 200 is connected to a financial transaction medium such as the window terminal 400, the financial terminal 300 and the client terminals 10, 11 and 12 through the financial company server 100 to provide a financial service to the user can do.

The financial company server 100 may include a control unit 120 including a communication unit 110, a validity checking unit 121, an electronic document generating unit 122, and an electronic document transmitting unit 123. The components shown in FIG. 2 are not essential for implementing the financial company server 100, so that the financial company server 100 described herein can have more or fewer components than the components listed above have.

The communication unit 110 may transmit and receive information through the communication channels 30 and 32 corresponding to the window terminal 400, the financial terminal 300 or the Internet banking server 20 and the telephone banking server 22. The communication unit 110 communicates with the window terminal 400, the financial terminal 300 or the Internet banking server 20 and the telephone banking server 22 based on the protocol stack defined in the financial network, And provides a communication interface for transmitting and receiving one or more information (or data) using a communication protocol defined in a financial transaction related program provided in each financial transaction medium.

Accordingly, the financial company server 100 can receive data created or input by a user or a financial staff member through the communication unit 110. The financial company server 100 also transmits information stored in the DBMS 210 of the financial institution system 200 to the counter terminal 400, the financial terminal 300 or the Internet banking server 20 and the telephone banking server 22 Lt; / RTI >

For example, the financial company server 100 receives the electronic document, the image content obtained from the financial transaction medium, the biometric information, the account opening request information, the financial service new registration request information, the card issuing request information, Information about the customer ledger stored in the storage unit 200, information about the account ledger, at least one information associated with the account ledger, customer information, and the like.

Next, the control unit 120 may control the overall operation of the financial service server 100 for providing financial services. The control unit 120 may perform functions corresponding to the financial service provided by the financial service server 100 in addition to the validity confirmation unit 121, the electronic document generation unit 122 and the electronic document transmission unit 123 described below And may further include a unit for performing the operation.

The validity checking unit 121 can check whether the validity of the data received through the communication unit 110 is satisfied, and authenticate the validity of the received data. Data whose validity is not authenticated by the validity checking unit 121 can be discarded.

Specifically, the validity checking unit 121 can check the watermark of the received electronic document, the issuer of the electronic document, the validity period of the electronic document, and the like. Alternatively, the validity checking unit 121 may check the validity of the billing information by the external server 600, for example, the billing server 602 or EBPP (Electronic Bill Presentment & Payment) server 604, It is also possible to check whether the information on the payment of paper money is valid.

The validity checking unit 121 may authenticate the validity of the data created or inputted by the user or the financial staff. For example, the validity of the data associated with the user information can be authenticated by determining whether the user information entered by the user through the financial transaction medium matches the customer information stored in the financial institution system 200.

The validity checking unit 121 can also verify the validity of the biometric information received from the authentication server 700. [ For example, when the authentication server 700 is provided externally, the validity checking unit 121 can check validity of validity period of biometric information, validity period of biometric information, and the like.

The electronic document generation unit 122 can generate an electronic document corresponding to the data whose validity is validated by the validity confirmation unit 121. [ The electronic document transmission unit 123 may transmit the generated electronic document to the electronic document server 500 associated with the financial institution system 200. [

For example, when the data input through the financial transaction medium is validated, the electronic document generation unit 122 may generate image contents including the input data in a watermarking manner. Alternatively, the electronic document generating unit 122 may generate at least one of a predetermined document file (e.g., a PDF (Portable Document Format) file or an EDI (Electronic Data Interchange) file or an HWP / Or a web document file including MHT), and the like.

Those skilled in the art will appreciate that the electronic document generation unit 122 may be configured to include an image file format and a technical feature for generating an electronic document of a predetermined document file format and an image file corresponding to the electronic document, Since the technical characteristics of the file format for the file are known, a detailed description thereof will be omitted for the sake of convenience.

The electronic document transmission unit 123 may transmit the electronic document generated by the electronic document generation unit 122 to a predetermined electronic document server 500 associated with the financial institution system 200. [ When the electronic document server 500 is provided outside the financial company server 100, the electronic document transmission unit 123 transmits the electronic document generated by the electronic document generation unit 122 to the electronic document server 500). The electronic document server 500 may include an electronic document D / B 510.

The control unit 120 processes or processes signals, data, information, etc. input or output through the above-mentioned components, thereby providing or processing appropriate information or functions to the user of the financial transaction medium.

At least some of the above components may operate in cooperation with one another to implement the operation, control, or control method of the financial service server 100 according to the various embodiments described below.

On the other hand, the authentication server 700 includes the biometric information D / B 710 and may be provided inside or outside the financial company server 100. The biometric information D / B 710 may store biometric information, biometric information, and corresponding customer information.

Hereinafter, the financial terminal 300 and the administrator terminals 400 and 402 and the financial service system according to the embodiment will be described in detail with reference to FIG.

The financial terminal 300 is provided at a branch office (or branch office) of a financial institution and may be connected to the financial company server 100 or the financial institution system 200 through a predetermined financial network 32. For example, at least one financial terminal 300 may be installed at each of the first and second points of the financial institution. Each of the financial terminals 300 may be connected to the financial company server 100 through a predetermined financial network.

Meanwhile, the administrator terminals 400 and 402 may be provided at a branch of a financial institution or may be separately provided at an external location of a financial institution. The administrator terminals 400 and 402 provided outside may be connected to the financial terminal 300, the financial company server 100, or the financial institution system 200 through the predetermined financial network 32. The administrator terminal 400 provided inside the branch office can be connected to the at least one financial terminal 300 provided at the corresponding branch office through the internal communication network and can be connected to the financial terminal 300 at each branch through the predetermined financial network 32. [ , The financial company server 100 or the financial institution system 200. [

The financial institution employee can use the manager terminal 400 or 402 to provide financial services to the users of the financial terminals 300. [ The administrator terminals 400 and 402 can process information received from financial terminals 300 through a predetermined financial network 32 or an internal communication network at a branch office. For example, the administrator terminals 400 and 402 include a communication unit connected to a predetermined financial network 32 or an internal communication network at a branch office to transmit and receive information, (Eg, a display unit and an acoustical output unit) for outputting data from the memory unit 402, a memory unit, a communication unit, an output unit, and a memory unit. Using this information, the financial staff can provide appropriate financial services to the financial terminal 300 according to the information output to the window terminal 400. In addition, the administrator terminal provided in the branch office may include the window terminal 400.

Next, the financial terminal 300 according to the embodiment will be described in detail with reference to FIG.

3 is a block diagram schematically showing a financial terminal 300 according to an embodiment.

The financial terminal 300 includes a sensor unit 310, an input unit 320, a card reader unit 330, a cash input / output unit 331, a check input / output unit 332, a passbook input / output unit 333, A communication unit 340, a memory unit 350, an output unit 360, a short range wireless communication unit 370, and a control unit 380. The components shown in FIG. 3 are not essential for implementing the financial terminal 300, so that the financial terminal 300 described herein can have more or fewer components than the components listed above have.

More specifically, the sensor unit 310 may include at least one sensor for sensing at least one of the user information and the surrounding information surrounding the financial terminal 300. For example, the sensor unit 310 may include a vein sensor 311, a finger scan sensor 312, a face recognition sensor (e.g., a camera 321) An eye recognition sensor 313 (e.g., an iris scanner, a retina scanner, etc.) and a proximity sensor 314, an infrared sensor (IR sensor) And may include at least one of a sensor (e.g., a barometer, a hygrometer, a thermometer, a radiation sensing sensor, a heat sensing sensor, a gas sensing sensor, etc.), a touch sensor, and an illumination sensor. Meanwhile, the financial terminal 300 disclosed in this specification can combine and utilize information sensed by at least two of the sensors.

The input unit 320 includes a camera 321 or an image input unit 320 for inputting an image signal, a microphone 322 for inputting an audio signal or an audio input unit 320, a user input unit 320 for inputting information from a user, A scanner 324 that scans the contents disposed on the sensor, such as a touch pad 323 (e.g., a touch key, a mechanical key, etc.), an identification card, a barcode, a fingerprint, a check, scanner. The scanner 324 may be configured separately depending on the contents to be scanned.

For example, the scanner 324 includes a cash scanner for scanning cash, a cash dispenser 332 for scanning a cash, a cash dispenser 331, a bar code scanner for scanning a bar code and a QR code, As a configuration, a check scanner that scans a check, a fingerprint scanner 311, a fingerprint scanner that scans a fingerprint, and a passbook scanner 333, And a document scanner for inputting various kinds of proof documents necessary for the document document.

The voice data or image data collected by the input unit 320 may be analyzed and processed as a user's control command or user information.

The card reader 330 may provide an interface between the card and the financial terminal 300 to read at least one piece of information or data on the card for at least one financial transaction. The card reader unit 330 includes an MS reader unit for interfacing a MS (Magnetic Stripe) card with the financial terminal 300, a contact IC reader unit for interfacing a contact IC (Integrated Circuit) card with the financial terminal 300, And a non-contact type IC reader unit for interfacing the IC card with the financial terminal 300.

The MS reader unit may include at least one magnetic head including a predetermined coil, and an MS card in which predetermined information (e.g., magnetized binary information) is recorded may be in close contact with the magnetic head (Or the magnetic head moves in close contact with the MS card in which the predetermined information is recorded) by loading a predetermined electrical signal in the magnetic head, And to interface predetermined information or data from the track (Track) to the financial terminal (300).

The contact type IC reader unit may include at least one contact point which is in electrical contact with a COB (Chip On Board) provided in the contact type IC card, And interfuses predetermined information or data from the IC chip to the financial terminal 300 through the half-duplex transaction using an APDU (Application Protocol Data Unit).

The noncontact IC reader unit may include at least one antenna that makes electrical contact with a noncontact IC card by using capacitive coupling or an inductive coupling, Chip, and interfacing predetermined information or data from the IC chip to the financial terminal 300 through the half-duplex transaction using the APDU.

The cash input / output unit 331 deposits a cash that the user desires to input into the financial terminal 300, or when a predetermined cash payment order (or a cash payment approval result) is received from the user as a financial transaction result, (Or the cash requested by the user for withdrawal) corresponding to the payment result (or the result of approval of the cash payment).

The check input / output unit 332 deposits a check that the user desires to input into the financial terminal 300, or when a predetermined check payment instruction (or a check payment approval result) is received from the financial transaction result user, (Or a check requested by the user for withdrawal) corresponding to the check result (or the result of the check payment approval).

 The cash input / output unit 331 and the check input / output unit 332 may include the scanner 324, respectively, to thereby acquire image data of cash and checks input to the financial terminal 300.

The passbook entry / exit unit 333 inserts a passbook and can discharge the passbook to the outside of the financial terminal 300 when the process of printing the inserted passbook is completed. The passbook entry / exit unit 333 can read the magnetic stripe provided on the passbook or print the account information or the deposit amount information on the passbook. In addition, the passbook entry / exit unit 333 may be provided with an IC chip or the like in addition to the magnet provided on the passbook to recognize the passbook.

The control unit 380 provides the passbook unique information stored in the magnet provided on the passbook read through the passbook entry / exit unit 333 to the control unit 380 and the control unit 380, which receives the data to be printed from the financial company server 100, And provides it to the passbook input / output unit 333, the passbook input / output unit 333 can process the passbook usage history of the passbook.

In addition, the passbook entry / exit unit 333 can print a new passbook in accordance with the passbook issuance process in the control unit 380. [ For example, the passbook entry / exit unit 333 can process the account information, the deposit amount information, the passbook usage history, and the like in the unexempted passbook stored in the financial terminal 300. [ The passbook entry / exit unit 333 can release the processed passbook to the outside of the financial terminal 300. [

The card ejection unit 334 issues the MS card of the card, the contact type IC card, and the contactless type IC card, and can release it to the user. For example, the card releasing unit 334 stores various financial information including card information on at least one track included in the MS of the MS card, and stores the card number and the like in a direct thermal manner on the front or rear surface of the card It can be transcribed in the form of text or images. The card discharger 334 can discharge the card containing the financial information to the outside of the financial terminal 300.

In addition, the card emitter 334 may emit a secure medium, e.g., an OTP (One Time Password) generator, a secure card, stored within the financial terminal 300. In addition, when the card ejecting unit 334 ejects the security medium, it can detect the serial number of the secure medium to be ejected. For example, the card ejector 334 may include a scanner 324 to scan the secure media in the course of being ejected to obtain an image of the secure media. Then, the serial number of the secure medium can be extracted from the secure medium image through character recognition.

The ID scanner, the card reader 330, and the card ejector 334 may be configured as one input / output device. An identification card (ID card) conforming to the same standard, a check card, a credit card, a card-type OTP token, a security card, and the like are made by an ID scanner, a card reader unit 330, Scanned, and read.

The printer unit 335 can print out the necessary documents for providing financial services on a printing paper (for example, printer paper, plotter paper, and roll paper of various sizes) and output. For example, the printer unit 335 can print a document for requesting a new financial service subscription on A4 paper and output it. Further, the printer unit 335 can print out the specification sheet according to the financial transaction on the roll paper and output it.

The printer unit 335 may be any one of a roll paper printing apparatus, a dot printer unit, a color pin dot matrix printer unit, an ultra-fast drying type laser printer unit, and an ink jet passbook printer unit, And may be various known printing apparatuses or means that can be performed.

The communication unit 340 can communicate with the financial company server 100 via a predetermined financial network 32. [ The communication unit 340 can communicate with the other financial terminal 300 or the administrator terminal 400 or 402 through the internal communication network at the installed point.

The communication unit 340 may transmit and receive information through a communication channel corresponding to the window terminal, the financial terminal 300, or the financial company server 100. The communication unit 340 connects a predetermined communication channel to the window terminal, the financial terminal 300 or the financial company server 100 based on the protocol stack defined in the financial network, (Or data) transmission / reception using the communication protocol defined in < RTI ID = 0.0 > U. < / RTI >

Next, the memory unit 350 stores at least one financial transaction processing information for financing transaction processing, predetermined financial transaction details information after financing transaction, a scanner 324 included in the financial terminal 300, Image data scanned through the card, secure media storage information, and the like.

In addition, the memory unit 350 stores data supporting various functions of the financial terminal 300. The memory unit 350 may store a plurality of application programs executed by the financial terminal 300, data for operation of the financial terminal 300, and commands. At least a part of such application programs can be downloaded from the external financial institution server 100 through the communication unit 340. [ The application program may be stored in the memory unit 350 and may be installed on the financial terminal 300 and may be operated by the control unit 380 to perform the operation (or function) of the financial terminal 300.

The memory unit 350 may be a flash memory type, a hard disk type, a solid state disk type, an SDD type (Silicon Disk Drive type), a multimedia card micro type a random access memory (RAM), a static random access memory (SRAM), a read-only memory (ROM), an electrically erasable programmable memory (EEPROM) read-only memory (ROM), programmable read-only memory (PROM), magnetic memory, magnetic disk, and optical disk.

The output unit 360 may include a display unit 361, an acoustic output unit 363, and a haptic module 365 for generating an output related to visual, auditory or tactile sense.

The display unit 361 displays (outputs) information to be processed in the financial terminal 300. For example, the display unit 361 can display UI (User Interface) and GUI (Graphic User Interface) information according to execution screen information of an application program driven by the financial terminal 300 .

The display unit 361 may have a mutual layer structure with the touch sensor or may be integrally formed to realize a touch screen. When a touch is made to the display unit 361, the touch sensor senses the touch, and the control unit 380 generates a control command corresponding to the touch based on the touch. The content input by the touch method may be a letter or a number, an instruction in various modes, a menu item which can be designated, and the like.

Such a touch screen may provide an input interface between the financial terminal 300 and the user and may provide an output interface between the financial terminal 300 and the user.

The display unit 361 may be a liquid crystal display (LCD), a thin film transistor-liquid crystal display (TFT LCD), an organic light-emitting diode (OLED) a flexible display, a 3D display, and an e-ink display.

In addition, the display unit 361 may exist in two or more depending on the embodiment of the financial terminal 300. [ In this case, the plurality of display units 361 may be spaced apart from one another on the one side of the financial terminal 300, or they may be arranged on different sides.

The display unit 361 is configured to be divided into a first display unit 362 and a second display unit 363. The first display unit 362 and the second display unit 363 may provide an input interface or an output interface to the user, respectively, depending on the installed position.

For example, the first display portion 362 and the second display portion 363 may be disposed upside down on the front portion of the financial terminal 300. [ The first display unit 362 and the second display unit 363 may be vertically arranged so that all the screens displayed in the viewing direction of the user using the financial terminal 300 are visible.

When the first display unit 362 is disposed on the upper side and the second display unit 363 is disposed on the lower side, the first display unit 362 may be provided with supplementary information on the use of financial services, A picture consultation screen may be displayed. At this time, a user input screen (for example, a keyboard, a keypad) may be displayed on the second display unit 363. Important information (for example, user's personal information, account number information, signature information, balance information, etc.) related to the use of financial services may be displayed on the second display unit 363 disposed on the lower side.

An image of a financial staff member who is photographed by a camera of the administrator terminal 400 or 402 is displayed on the first display unit 362 of the financial terminal 300 and a second display unit 363 of the financial terminal 300 displays A keyboard, a keypad, or the like may be displayed. Accordingly, the user can consult the financial staff member displayed on the first display unit 362 with an image. In addition, the user can respond to the inquiries transmitted through the sound output unit 364 by using the second display unit 363 or the microphone 322.

The sound output unit 363 also outputs an acoustic signal related to a function performed in the financial terminal 300 (for example, a video consultation with a bank employee). The sound output unit 363 may include a receiver, a speaker, a buzzer, and the like.

The haptic module 365 (haptic module) generates various tactile effects that the user can feel. A typical example of the haptic effect generated by the haptic module 365 may be vibration. The intensity and pattern of the vibration generated in the haptic module 365 can be controlled by the setting of the user's selection or control unit 380. For example, the haptic module 365 may combine and output different vibrations or sequentially output the vibrations.

The short range wireless communication unit 370 is for short range communication and uses at least one of RFID (Radio Frequency Identification), Infrared Data Association (IrDA), and NFC (Near Field Communication) Communication can be supported. For example, the short range wireless communication unit 370 may read a device including an RFID tag included in a user of the financial terminal 300 and read information stored in the device.

The control unit 380 can control the overall operation of the financial terminal 300 and manage the flow of information or data between the respective elements based on the functional structure. The control unit 380 includes at least one processor including a CPU (Central Processing Unit) / MPU (Micro Processing Unit), an execution memory (for example, a register) and a bus BUS ) And at least one or more electronic circuits (or integrated circuits) therefor.

The control unit 380 may also be configured to load from the predetermined recording medium (for example, the memory unit 350) provided in the financial terminal 300 to the execution memory in order to perform a software- And a predetermined program routine and / or program data that are processed by the processor.

In particular, the control unit 380 includes a predetermined operating system and / or a terminal control program routine for managing the financial terminal 300 after the financial terminal 300 is booted by software.

The control unit 380 may process or process signals, data, information or the like inputted or outputted through the above-mentioned components, or may drive an application program stored in the memory unit 350 to provide or process appropriate information or functions to the user .

In addition, the control unit 380 may control at least some of the above components in order to drive an application program stored in the memory unit 350. Further, the control unit 380 may operate at least two or more of the components included in the financial terminal 300 in combination with each other for driving the application program.

Hereinafter, at least one program constituting unit included in the financial terminal 300 will be described in the control unit 380 for convenience.

The control unit 380 may include a user authentication unit 381, a professional generation unit 382, and a professional processing unit 383.

The user authentication unit 381 can process the user authentication of the user using the financial terminal 300. [ The user authentication unit 381 receives user biometric information (e.g., vein distribution pattern, iris pattern, retina pattern, fingerprint pattern, etc.) input from the sensor unit 310 or the camera 321, It is possible to compare the received biometric information and to process the user's identity authentication.

The user authentication unit 381 transmits the ID image of the user scanned by the scanner 324 and the user face image photographed by the camera 321 to the administrator terminals 400 and 402, The authentication of the user can be completed.

The user authentication unit 381 may be provided in the financial terminal 300 as a configuration for authenticating that the user using the financial terminal 300 is the principal and receiving financial services.

The user authentication unit 381 transmits the authentication number to the client terminal 10, 11, 12 (for example, a mobile terminal, etc.) of the user and is matched with the number input to the financial terminal 300 An authentication method for verifying the stored customer information and the scanned ID information, and an authentication method using the biometric information, or may be implemented to perform authentication of the principal by a combination of these.

The professional generating unit 382 can generate an electronic document for financial transaction based on account information and card information, and for providing a financial service based on personal authentication.

For example, the specialized generator 382 may generate an electronic form of information in which a value corresponding to each of the data fields is input, which is divided into a plurality of data fields.

As another example, the special-purpose generating unit 382 may generate image contents including the input data in a watermarking manner.

As another example, the professional generating unit 382 may generate a predetermined document file (e.g., a PDF (Portable Document Format) file or an EDI (Electronic Data Interchange) file or an HWP / A word processor file containing one or more, or a web document file containing MHT).

The professional processing unit 383 can transmit the generated electronic document to the financial company server 100 via the communication unit 340 and perform the information processing function corresponding to the electronic document received from the financial company server 100. [

For example, the professional processing unit 383 transmits the generated financial service new subscription request electronic document to the financial company server 100 via the communication unit 340, and transmits the electronic document to the financial service new subscription requesting document from the financial company server 100 Receive the corresponding request response electronic document, and output the information included in the request response electronic document through the display unit 361. [

Hereinafter, embodiments related to the financial terminal 300 and a financial service providing method that can be implemented in the financial system including the financial terminal 300 will be described with reference to the accompanying drawings. The embodiments may be embodied in other specific forms without departing from the spirit or essential characteristics of the embodiments.

FIG. 4 is a flowchart schematically illustrating a financial service providing method using the financial terminal 300 according to the embodiment, and FIG. 5 is a flowchart illustrating the authentication step of FIG. 4 in detail.

In the conventional financial system, there is an inconvenience that a user must visit a financial institution and use financial services such as opening a new account after face-to-face authentication by a financial institution employee.

According to the financial service providing method of the embodiment, the financial terminal 300 authenticates the user (S10) and provides an appropriate financial service including a service that the user can not receive in the conventional non-facing channel (S20).

First, the financial terminal 300 may perform a real name authentication or a personal authentication of a user using the financial terminal 300. The authentication step S10 may be performed in the user authentication unit 381 using the data input through the sensor unit 310 and the input unit 320 and the data received from the communication unit 340. [

The financial terminal 300 receives authentication information (biometric information) stored in the authentication server 700 (or the financial company server 100) and biometric information of the user (vein distribution pattern, iris pattern, Pattern, and fingerprint pattern) to authenticate the user.

The financial terminal 300 transmits the image of the user photographed through the camera 321 and the image of the user's ID card to the administrator terminals 400 and 402 so that authentication is confirmed by the administrator in the administrator terminals 400 and 402 The user can be authenticated.

In addition, the financial terminal 300 may authenticate the user by comparing the face image of the user photographed through the camera 321 with the face image included in the user's ID image.

The financial terminal 300 may authenticate the user by transmitting the authentication number input by the user to the external authentication server 700 and confirming the authentication by the external authentication server 700. [ For example, the financial terminal 300 requests the external authentication server 700 for user authentication. Then, the external authentication server 700 generates and transmits the authentication number to the client terminal 10, 11, 12 of the customer using the customer information stored in the DBMS of the financial company server 100. The financial terminal 300 transmits the authentication number input by the user to the external authentication server 700. The external authentication server 700 matches the authentication number transmitted to the client terminals 10, 11 and 12 with the authentication number transmitted from the financial terminal 300 and transmits a message to the financial terminal 300, Lt; / RTI >

Meanwhile, in the authentication step S10, the password corresponding to the financial means inserted through the card reader unit 330 and the passbook entry / exit unit 333 is input from the user, the password is matched with the password of the financial means previously stored, The user can be authenticated to use the inserted financial means.

The financial terminal 300 can provide a financial service to the authenticated user. The financial service provided to the user through the financial terminal 300 can be used to view, change, deposit, withdraw, transfer, open a new account, apply for financial products, add, change, delete, pay utility bills, A passbook transfer, a card issuance, a security medium issue, an Internet banking subscription, a telebanking subscription, and a password change.

The financial terminal 300 may provide the financial service to the user in response to a user's financial service provision request or a pre-reserved financial service request input to the financial terminal 300.

Hereinafter, the user authentication method of the financial terminal 300 according to the embodiment will be described in detail with reference to FIG. 5 and FIG.

FIG. 5 is a flow chart showing a step of selecting an authentication method included in the authentication step of FIG. 4, and FIG. 6 is an exemplary view showing a screen displayed on a financial terminal for selecting the authentication method of FIG.

First, the user authentication unit 381 of the financial terminal 300 displays the user authentication screen on the display unit 361 (S102). The user authentication screen may be displayed to select one of a plurality of authentication methods for authenticating a user and authenticate the user.

The user authentication unit 381 may omit the user authentication screen display step (S102) if an input for user authentication is first detected by the sensor, the user input unit 323, the scanner 324, or the like. For example, when the user's vein distribution pattern is detected by the vein sensor 311, the user authentication unit 381 displays the vein sensor 311 without inputting the user selecting the biometric authentication object 614 on the user authentication screen It is possible to control to detect the vein distribution pattern of the user.

On the other hand, when the input for selecting at least one of the financial services is received (S100), the user authentication unit 381 can display a user authentication screen. For example, the display unit 361 may display a financial service selection screen including a plurality of objects corresponding to financial services that the financial terminal 300 can provide. At this time, according to the input of the user who selects any one of the plurality of displayed objects, the user can enter the authentication display step (S102). Thereby, the user authentication screen can be displayed on the display unit 361. [

In addition, the user authentication unit 381 may display the user authentication screen before receiving the financial service selection input. For example, when the proximity sensor 314 detects the user's access, the user authentication unit 381 may display a user authentication screen on the display unit 361. [

The user authentication screen may include a screen for selecting at least one of a plurality of user authentication methods. For example, the user authentication unit 381 may display an object corresponding to each of a plurality of user authentication methods on the display unit 361. [ The plurality of user authentication methods include a biometric authentication method, a self authentication method using image connection, an ID authentication method, and an authentication number authentication method.

Hereinafter, it is assumed that the user authentication unit 381 displays a user authentication screen on the second display unit 363 for selecting either the authentication method or the biometric authentication method through the identification card and the image connection.

The user authentication unit 381 displays a user authentication screen including the object 612 corresponding to the authentication method by the identification card and the image connection and the object 614 corresponding to the biometric authentication method on the second display unit 363 can do. The user authentication screen may further include a guideline 610 for prompting the user to select an authentication method. An object 622 for a video consultation with an administrator, an object 624 for changing a displayed language, An object 626 for displaying a menu screen for the entire service provided by the service providing apparatus 100 may be displayed.

The user can select any one of the objects 612 and 614 displayed on the second display unit 363 and proceed to the authentication step.

Hereinafter, the authentication method by each authentication method will be described in detail with reference to FIGS. 7 and 8. FIG.

FIG. 7 is a flowchart specifically illustrating an authentication method according to the first embodiment, and FIG. 8 is a flowchart specifically illustrating an authentication method according to the second embodiment.

Referring to FIG. 7, when the user selects the authentication method based on the identification and image connection, the user authentication unit 381 displays a guide screen for scanning the ID card with the scanner 324 on the display unit 361 Can be displayed.

Then, when the ID is placed on the scanner 324 by the user, the scanner 324 scans the ID card (S110) and processes it as image data. For example, the scanner 324 can scan both the front side and the back side of the input ID card and process the image data as image data.

Then, the user authentication unit 381 detects the information described in the identification card using the ID image data (S112). The information (hereinafter, referred to as identification information) described in the ID card may include at least one of ID photograph, numerical information, and text information printed on the ID card. The number information may include a resident registration number, an identification card issuance date, and a driver's license number, which are described in the identification card. The character information may include a name, an address, a personalization agent, and an identification card type described in the identification card. The user authentication unit 381 may store the image data of the ID card processed by the scanner 324 and the detected ID information in the memory unit 350. [

The user authentication unit 381 transmits the image data photographed by the camera 321 and the ID image data and the ID information to the communication unit 340. [ To the manager terminals 400 and 402 (S115).

The administrator terminals 400 and 402 display the ID image data and the image data (S116). The financial company employee can determine that the user's personal information matches by comparing the ID image and the image displayed on the display unit of the administrator terminal (400, 402). At this time, the administrator terminals 400 and 402 can capture the image data displayed on the display unit of the administrator terminals 400 and 402 according to the inputs of the financial staff, 400, and 402, respectively.

The administrator terminals 400 and 402 receive an input for confirming authenticity of the identification card (S118). The administrator terminals 400 and 402 may transmit information on the ID card to the server of the issuing authority according to the input of the financial institution employee, thereby indicating the authenticity of the ID card. At this time, the identification card may include a resident registration card or a driver's license, and the personalization agent may include the Ministry of Public Administration and Security or the National Police Agency.

The administrator terminals 400 and 402 transmit the ID information to the corresponding ID card issuing authority server (S120). For example, the administrator terminal (400, 402) can transmit information described in the ID card to the personalization agent server using the information about the personalization agent described in the detected ID card.

Then, the personalization agent server retrieves the ID information stored in the personalization agent server, which matches the information described in the ID card (S122). When the ID information is retrieved, the issuer server generates a message for confirming that the ID card is an ID issued by the issuing institution (S124). Alternatively, if the ID information is not retrieved, the personalization server generates a message for confirming that the ID card is not an ID issued by the issuing organization (S124).

Then, the personalization agent server transmits the created authenticity confirmation message to the administrator terminals 400 and 402 (S126). Then, the administrator terminals 400 and 402 can display the authenticity of the identification card through the authenticity verification.

In addition, the manager terminals 400 and 402 receive an input for confirming the customer information (S128). Then, the manager terminals 400 and 402 transmit the ID information to the financial company server 100 according to the input of the financial staff (S130).

Then, the financial company server 100 searches for customer information corresponding to the ID information in the customer information provided in the customer information D / B 213 (S132), and searches the customer information corresponding to the customer ID Information is transmitted (S134).

The administrator terminals 400 and 402 display at least one of the personal information of the customer and the customer's member information included in the received customer information on the screen of the administrator terminals 400 and 402 (S136).

Then, the financial staff member can query the customer information by voice through the sound output unit 364 of the financial terminal 300 using the microphones of the manager terminals 400 and 402. Alternatively, the bank employee can visually inquire customer information through the display unit 361 of the financial terminal 300 using the keyboard of the manager terminal 400, 402.

The user of the financial terminal 300 may respond to the query of the financial institution employee by voice through the microphone 322 or by inputting characters or numbers through the user input unit 323.

In response to the user's response, the financial staff member determines that the user's personal information matches and inputs a user authentication confirmation to the administrator terminals 400 and 402 (S138). That is, the financial company employee can authenticate the user by additionally inquiring the user about the user through the display unit 361 or the sound output unit 364 of the financial terminal 300.

Accordingly, when the administrator terminal 400 or 402 receives the authentication confirmation from the financial staff member, the administrator terminal 400 or 402 generates the authentication confirmation telegram (S140) and transfers it to the financial terminal 300 (S142).

The user authentication unit 381 of the financial terminal 300 receiving the authentication confirmation message completes the user authentication and displays it on the display unit 361 (S144).

If the administrator terminal 400 or 402 does not receive the authentication confirmation from the financial institution employee or receives the unconfirmed confirmation in step S146, the unauthenticated authentication is generated in step S148 and transmitted to the financial terminal 300 in step S150.

The user authentication unit 381 of the financial terminal 300 receiving the authentication unconfirmed message ends the user authentication and displays it on the display unit 361 (S152).

Next, the biometric information authentication method will be described with reference to Fig. When the user selects the authentication method based on the biometric information, the user authentication unit 381 acquires the biometric information of the user through the biometric sensor (the vein sensor 311, the fingerprint recognition sensor 312 or the eye recognition sensor 313) On the display unit 361. The display unit 361 displays a guide screen for sensing the display screen.

Then, the biometric sensor senses the biometric information of the user (S160). For example, the vein sensor 311 senses the vein distribution pattern of the user's palm (or forearm, etc.) placed on the upper side. The fingerprint recognition sensor 312 senses the fingerprint pattern of the user. The iris recognition sensor senses the iris pattern of the user's eye. The retina recognition sensor senses the vascular pattern of the retina of the user's eye. At this time, the user authentication unit 381 may store the biometric information processed by the biometric sensor in the memory unit 350. [

Next, the user authentication unit 381 transmits biometric information to the financial company server 100 (S162). The control unit 120 of the financial company server 100 transmits the biometric information stored in the biometric information D / B 710 to the biometric information D / B 710 transmitted from the financial terminal 300, And judges biometric information matching the information (S164).

When the biometric information transmitted from the financial terminal 300 matches the biometric information stored in the biometric information D / B 710, the control unit 120 of the financial company server 100 reads out the biometric information D / B 710 from the biometric information D / (S166), generates an authentication confirmation message including the customer information (S168), and transmits the authentication confirmation message to the financial terminal 300 (S170).

The user authentication unit 381 of the financial terminal 300 having received the authentication confirmation message can complete the user authentication (S172) and display it on the display unit 361. [

If the biometric information transmitted from the financial terminal 300 does not match the biometric information stored in the biometric information D / B 710, the control unit 120 of the financial company server 100 generates an unauthenticated certificate of authentication (S174) To the terminal 300 (S176).

The user authentication unit 381 of the financial terminal 300 receiving the authentication unconfirmed message ends the user authentication (S178).

Meanwhile, when the authentication server 700 and the financial company server 100 are separately provided, the control unit 120 of the financial company server 100 transmits the biometric information to the external authentication server 700.

Then, the external authentication server 700 judges the biometric information matching the biometric information transmitted from the financial company server 100 among the biometric information stored in the biometric information D / B 710 (S164).

When the matching biometric information is retrieved, the biometric information, the customer information corresponding to the retrieved biometric information, and the authentication confirmation message may be transmitted to the financial company server 100.

At this time, the validity checking unit 121 of the financial company server 100 can also verify the validity of the biometric information received from the authentication server 700. [ For example, when the authentication server 700 is provided externally, the validity checking unit 121 can check validity of validity period of biometric information, validity period of biometric information, and the like.

In another aspect, the user input unit 323 may receive a user's resident registration number, a password, and the like in addition to biometric information sensing. The user authentication unit 381 can transmit the resident registration number information and the password information to the financial company server 100.

Then, the control unit 120 of the financial company server 100 can search the financial company server 100 for the customer information corresponding to the resident registration number or the password. The control unit 120 of the financial company server 100 can search the biometric information D / B 710 for the biometric information corresponding to the customer.

The control unit 120 of the financial company server 100 may transmit the retrieved biometric information to the financial terminal 300. [ The user authentication unit 381 of the financial terminal 300 can determine whether the biometric information received from the financial company server 100 matches the biometric information sensed by the biometric sensor.

When the biometric information coincides with each other, the user authentication unit 381 can complete the user authentication (S172) and display it on the display unit 361. [ When the biometric information is different, the user authentication unit 381 ends the user authentication (S178).

When the above-described authentication step (S10) is completed, the financial terminal 300 provides the financial service to the authenticated user.

The financial service may include at least one of a deposit application, a fund application, a loan application, a deposit / withdrawal account application, an online service application, a check card application, a credit card application, a security card / OTP card application and a certificate application application.

Hereinafter, it will be assumed that the financial service related to the embodiment is an online service application. The online service is a type of electronic finance, which is a service provided to handle financial transactions between a bank and a user using the Internet, a public telephone network and a mobile communication network. When the online service application is completed, the user can use the Internet banking or the telephone banking through the client terminals 10, 11,

Hereinafter, a method of providing financial services according to an embodiment will be described with reference to FIGS. 9 to 16. FIG.

FIG. 9 is a flowchart illustrating a financial service providing step of FIG. 4, and FIGS. 10 to 16 are views illustrating screens displayed on a financial terminal according to an exemplary embodiment of a financial service providing method.

First, in the financial service selection input receiving step S100 of FIG. 5, when the authentication step S10 is completed after the new subscription of the financial service is selected, the specialty generating unit 382 of the financial terminal 300 transmits (S204). ≪ / RTI > At this time, the specialist generation unit 382 may generate a new subscription to the financial service including the information of the authenticated user.

For example, the specialty generator 382 may generate a dictionary containing a business category field, a customer number field, and a real name field. A financial service new subscription code is entered in the service classification field, and a customer number and a real name number included in the customer information corresponding to the authenticated user out of the customer information stored in the customer information D / B 213 can be inputted.

Alternatively, when the authentication step S10 is completed without proceeding to the step S100 of receiving the financial service selection input, the control unit 380 includes a plurality of objects corresponding to the financial service that the financial terminal 300 can provide And displays the selected financial service selection screen on the display unit 361 (S200).

In response to an input (S202) in which a user selects an object corresponding to a new financial service subscription among a plurality of objects included in the financial service selection screen, the specialty generating unit 382 generates a new subscription to the financial service new subscription (S204). At this time, the specialist generation unit 382 may generate a new subscription to the financial service including the information of the authenticated user.

For example, the specialty generator 382 may generate a dictionary containing a business category field, a customer number field, and a real name field. A financial service new subscription code is entered in the service classification field, and a customer number and a real name number included in the customer information corresponding to the authenticated user out of the customer information stored in the customer information D / B 213 can be inputted.

The professional processing unit 383 transmits the generated financial service new subscription to the financial server 100 through the communication unit 340 (S206).

Then, the financial company server 100 reads the customer status information corresponding to the authenticated user (S208). For example, the financial company server 100 can read the customer's financial service subscription status information stored in the customer information D / B 213 of the financial institution system 200 using the customer number and the real name.

The electronic document generation unit 122 of the financial company server 100 generates a customer state specification including the financial service subscription state information at step S210 and the electronic document transmission unit 123 transmits the customer state specification to the financial terminal 300 (S212).

Financial service subscription status information is not financial service, normal, transfer password is not registered, error number of registration number is exceeded, number of password error is exceeded, number of security media error is exceeded, 12 months of funds transfer is not used, business branch is canceled, customer is canceled and 3 business days are unregistered Lt; RTI ID = 0.0 > a < / RTI >

In addition, the customer status information may include customer status information, such as customers under the age of 14 and no account requirement.

Then, the control unit 380 of the financial terminal 300 judges the financial service subscription status of the customer using the received customer status telegram (S214).

If it is determined that the customer is a customer under the age of 14 or a request-free account from the customer state information of the customer state specialization, the control unit 380 displays a screen for guiding another financial service (S216).

Alternatively, if the controller 380 determines that the customer is in the non-financial service state from the financial service subscription state information of the customer state specialty, the new subscription guidance screen is displayed (S226). Specifically, if the financial service subscription state of the customer state specialization is not added, the control unit 380 can determine that the customer is in the non-financial service state.

Alternatively, if it is determined that the customer is in a state of being subscribed to the financial service from the financial service subscription state information of the customer state specialization, the control unit 380 displays a re-entry request screen (S218).

Specifically, if the financial service subscription status of the customer status special is normal, the control unit 380 can determine that the customer is in the financial service normal subscription status.

In addition, the control unit 380 determines whether or not the financial service subscription status of the customer status specialization exceeds the number of transfer passwords, the number of error numbers of the subscription numbers, the number of errors in the transfer password errors, the number of security medium errors related to the online service, Termination, customer cancellation, or 3 business days unregistered cancellation, the customer can be judged to be in an abnormal financial subscription state.

10 will be described together with a case where it is determined that the customer is in the basic subscription state. As shown in FIG. 10, the control unit 380 may display a re-entry request screen on the second display unit 363.

In the re-entry request screen, a guideline 1000 indicating that the customer is a subscription to the financial service, an induction phrase 1002 for inducing a re-insertion, an object 1010 for proceeding with the financial service re-entry procedure, An object 1011 for requesting a service may be included, and an object 1012 for finishing a financial service providing step S20 may be further included.

If an object 1011 for subscribing to an additional service related to financial services is selected by the user, the control unit 380 can display a screen for providing the selected supplementary service.

For example, there may be a withdrawal account with no online service in the name of the customer other than the withdrawal account associated with the online service. The user can apply for the online service even for the withdrawal account with no online service using the financial terminal 300. [ At this time, the control unit 380 receives the information on the non-online service withdrawal account of the withdrawal account of the customer name from the financial company server 100 to provide the online service to at least one of the non-online service withdrawal accounts, It is possible to display a screen for requesting the on-line service on the display unit 361.

On the other hand, when it is determined that the customer is in the normal subscription state, the control unit 380 displays a re-entry request screen including the object 1011 for subscribing for the supplementary service related to the financial service, and determines that the customer is in an abnormal subscription state A re-entry request screen in which an object 1011 for requesting an additional service related to the financial service is omitted may be displayed.

When the object 1010 for proceeding with the re-inserting procedure is selected by the user (S220), the specialist generation unit 382 generates the existing subscription termination prod- uct, and the professional processing unit 383 transmits, through the communication unit 340, And transmits the existing subscription termination specialization to the financial company server 100 (S222).

Then, the financial company server 100 changes the financial service subscription status information of the customer stored in the customer information D / B 213 of the financial institution system 200 (S224). For example, the financial company server 100 may change the financial service subscription status of the customer stored in the customer information D / B 213 to the non-subscription status.

On the other hand, when the object 1010 for proceeding with the re-entry procedure is selected by the user (S220), the control unit 380 displays a new subscription guidance screen (S226).

Referring to FIG. 11, the controller 380 may display a new registration guide screen on the second display unit 363. The new entry guidance screen may display a guidance text 1100 indicating a new guidance screen, a guidance text 1102 for a financial service to be joined, and an object 1110 for continuing the financial service registration procedure. An object 1112 for ending the step S20 may be further displayed.

If the object 1110 for continuing the financial service subscription procedure is selected by the user, the control unit 380 displays a screen for agreeing the agreement (S228).

Referring to FIG. 12 together, the control unit 380 may display a consent agreement screen on the second display unit 363. In the agreement agreement screen, a guidance text 1200 indicating that the agreement agreement screen is displayed; a plurality of areas 1210 and 1220 for displaying the contracts 1210 and 1220 when the contracts are plural; objects 1212 and 1212, A plurality of scroll bars 1214 and 1224 for scrolling through respective terms, objects 1216 and 1226 for agreeing to respective terms, a plurality of regions 1210 and 1220, A scroll bar 1230 for the financial service subscription procedure and an object 1240 for continuing the financial service subscription procedure may be displayed and an object 1242 for finishing the financial service providing step S20 may be further displayed.

When the user selects the objects 1216 and 1226 to agree to the terms and selects the object 1240 for continuing the financial service subscription procedure, the control unit 380 displays a screen for requesting a new service S230).

13 and 14 together, the control unit 380 may display a new service application screen on the second display unit 363. In the new service application screen, a plurality of areas 1310, 1320, and 1330 for inputting a user's information, a security medium selection, and a transfer limit can be displayed.

First, an area 1312 for inputting a user ID, an area 1314 for inputting a transfer password, and an area 1316 for re-inputting a transfer password are included in an area 1310 for receiving user information.

14, when the user selects one of the plurality of areas 1312, 1314, and 1316, the control unit 380 causes the second display unit 363 to display an input means (for example, virtual Keyboard) 1400 can be displayed together.

Then, the user can input letters or numbers to be input to the selected area through the input unit 1400, and the control unit 380 can display the inputted letters or numbers in the selected area.

In the area 1320 for receiving the secure media selection, objects 1321 and 1322 for selecting a usage medium and objects 1323, 1324, and 1325 for selecting a secure medium may be included.

The user can appropriately select the objects 1321, 1322, 1323, 1324, and 1325 to determine a usage medium and a secure medium for receiving financial services.

In the area 1330 for inputting the transfer limit, an area 1331 for setting a transfer limit for the use medium integration once, an area 1332 for setting a transfer limit for the usage medium integration one day, a transfer limit for one-time phone banking And an area 1334 for setting a transfer limit for one day of phone banking.

14, when the user selects one of the plurality of areas 1331, 1332, 1333, and 1334, the control unit 380 causes the second display unit 363 to display the input means 1400 Can be displayed together.

Then, the user can input letters or numbers to be input to the selected area through the input unit 1400, and the control unit 380 can display the inputted letters or numbers in the selected area.

The new service application screen may further display an object 1340 for continuing the financial service registration procedure and an object 1342 for finishing the financial service providing step S20.

When the user inputs the user information and the transfer limit and selects the object 1340 for continuing the financial service subscription procedure after completing the secure media selection, The professional processing unit 383 transmits the generated user information verification processing special to the financial company server 100 via the communication unit 340 (S234).

The user information verification processing specialization may include a user ID and a transfer password input by the user. Further, the customer information verification processing specialization may further include the customer number and the real name number.

The electronic document generation unit 122 of the financial company server 100 receiving the user information verification processing specialist generates the user information verification telegram (S236), and the electronic document transmission unit 123 transmits the user information verification telegram to the financial terminal 300 (S212).

The user information verification specialization may include a result value depending on availability of the user ID and the transfer password for using the financial service.

For example, the control unit 120 of the financial company server 100 determines whether the same ID as the user ID included in the user information verification processing special is retrieved from the customer information D / B 213, whether the transfer password is the customer's date of birth, Number, and the like, and can calculate a result value to be included in the user information verification telegram according to the determination result. Then, the electronic document generation unit 122 can generate the user information verification text including the calculated result value.

The control unit 380 of the financial terminal 300 receiving the user information verification specification displays the financial service application item if the result value included in the user information verification text is a value that can be used (S240). If the result value included in the user information verification telegram is a value that can not be used, the control unit 380 can display the service application screen again (S230).

Referring to FIG. 15, the control unit 380 may display a financial service application item on the second display unit 363. The financial service application item includes a guidance text 1500 indicating that the financial service application is an item, an object 1510 for selecting an account for using the financial service, an object 1520 for inputting a telephone number for notifying a major transaction, An object 1522 that selects a major transaction to be notified of a message, objects 1524, 1526, 1528 that subscribe to additional services of the financial service may be displayed.

The financial service application item may further display an object 1530 for continuing the financial service registration procedure and an object 1532 for terminating the financial service providing step S20.

When the user selects an account for using the financial service, inputs a telephone number for notifying the main transaction, and then selects an object 1532 for continuing the financial service registration procedure, Screen is displayed (S242).

Referring to FIG. 16, the control unit 380 may display a final confirmation screen on the second display unit 363. The final confirmation screen may include a guidance text 1600 indicating the final confirmation screen, a service application screen display step S230, and an area 1610 in which information input in the financial service application item display step S240 is displayed. The information input in the service application screen display step S230 and the financial service application item display step S240 includes the withdrawal account number, the user ID, whether or not to request the important transaction notification, the important transaction notification application telephone number, , Security media, one-time transfer of phone banking, one-day transfer limit of phone banking, one-time transfer limit, and one-day transfer limit.

In the final confirmation screen, an object 1620 for continuing the financial service subscription procedure, an object 1622 for finishing the financial service provision step S20, and an object 1612 for returning to the previous financial service application screen display step S240 1624 may be further displayed.

If the user selects the object 1620 for proceeding with the financial service subscription procedure, the specialist generation unit 382 includes the information input in the service application screen display step S230 and the financial service application item display step S240 And the professional processing unit 383 transmits the created financial service new processing specialization to the financial company server 100 through the communication unit 340 (S244).

The financial company server 100 uses the information included in the financial service processing specialization to complete the new financial service registration process (S246). The financial company server 100 may store the information included in the financial service processing specialization in the ledger D / B 211 and the customer information D / B 213. [ For example, the financial company server 100 may change the financial service subscription state of the customer stored in the customer information D / B 213 to a normal state and store the state.

The financial terminal 300 and the financial service providing method using the same according to the embodiment of the present invention process the subscription of the user in consideration of the subscription status of the user's financial service, so that the user can conveniently receive the financial service.

When a customer subscribes to a financial service using the financial terminal 300, the customer may not know the subscription status for the financial service. Therefore, even when the customer is in the financial service abnormal base subscription state, the customer can proceed to subscribe to the financial service using the financial terminal 300. In this case, since the customer is in the subscription state, there is an inconvenience that the subscription procedure in progress is canceled using the financial terminal 300 and the financial service must be canceled first. Further, there is an inconvenience that the subscription procedure must be performed again after the termination process is completed. The financial terminal 300 and the financial service providing method using the same according to the embodiment of the present invention have an effect of increasing the processing efficiency of the customer because the termination procedure and the subscription procedure are continuously performed.

The above-described embodiment can be implemented as a computer-readable code on a medium on which a program is recorded. The computer readable medium includes all kinds of recording devices in which data that can be read by a computer system is stored. Examples of the computer readable medium include a hard disk drive (HDD), a solid state disk (SSD), a silicon disk drive (SDD), a ROM, a RAM, a CD-ROM, a magnetic tape, a floppy disk, , And may also be implemented in the form of a carrier wave (e.g., transmission over the Internet). Further, the computer may include a control unit of the terminal. Accordingly, the above description should not be construed in a limiting sense in all respects and should be considered illustrative. The scope of the present invention should be determined by rational interpretation of the appended claims, and all changes within the scope of equivalents of the present invention are included in the scope of the present invention.

100: financial company server 200: financial company system
300: financial terminal 310:
320:
340: communication unit 350: memory unit
360: output unit 370: short-range wireless communication unit
380:

Claims (23)

Display unit,
A communication unit for communicating with a financial company server,
A recognition unit for receiving user information,
A user authentication unit for authenticating a user using the user information input from the recognition unit,
A control unit for receiving the financial service subscription status information of the user from the financial service server when the user authentication is completed in the user authentication unit and changing a screen displayed on the display unit using the subscription status information,
Wherein the financial service comprises an online service,
Wherein the subscription status information includes at least one of an online service non-participation, an online service normal subscription, a transfer password non-registration of the online service, an error number of the online service subscription number exceeding, , 12-month money transfer unused, branch closing, customer termination and 3 business days unregistered termination,
Wherein the control unit judges that the subscription state of the user is not in the state where the subscription state is not included and includes a third object for proceeding with the financial service subscription procedure when the subscription state information includes only information corresponding to the online service non- Display on the display unit,
Determining whether the subscription status of the user is a normal subscription status when the subscription status information includes only information corresponding to the online service subscription, and wherein the subscription status information includes information corresponding to the non- Wherein the control unit determines that the subscription status of the user is an abnormal subscription status when the subscription status of the user is in the normal subscription status or the abnormal subscription status using the subscription status information, And displaying a screen including the first object for proceeding with the financial service re-entry procedure on the display unit when it is determined that the subscription state is established. delete The method according to claim 1,
Wherein the controller transmits to the financial service server, when the first object is selected, a message requesting the user to cancel the subscription to the financial service through the communication unit. The method according to claim 1,
Wherein the control unit further includes a second object for proceeding with the supplementary service application procedure related to the financial service on a screen including the first object when the subscription status of the user is determined as the normal subscription status, A financial terminal displayed on a display unit. 5. The method of claim 4,
Wherein the control unit receives information related to the additional service of the user from the financial company server when the second object is selected. delete The method according to claim 1,
Wherein the controller displays a screen including the third object on the display unit when the first object is selected. delete delete The method according to claim 1,
Wherein the controller receives the financial service subscription status information of the user by transmitting the subscription to the financial service subscription to the financial service server when the subscription application for the financial service is input from the user. The method according to claim 1,
Further comprising a camera for photographing the user,
The communication unit is connected to an administrator terminal of a financial company employee,
Wherein the user authentication unit reads the information described in the identification card using the ID image data scanned from the recognition unit and transmits the information recorded in the user image, the ID image data and the ID card to the administrator terminal, And the user terminal authenticates the user terminal. The method according to claim 1,
Wherein the recognition unit senses at least one of a vein distribution pattern, an iris pattern, a retinal pattern, and a fingerprint pattern as biometric information,
Wherein the user authentication unit transfers the biometric information to the financial company server, and completes the user authentication according to the authentication confirmation received from the financial company server. Displaying a user authentication screen including objects corresponding to a plurality of user authentication methods on a display unit,
Receiving an input for selecting at least one of the objects,
Driving a recognizer to receive user information corresponding to the received input, authenticating a user using information input from the recognizer,
When the user authentication is completed, receiving financial service subscription status information of the user from a financial company server through a communication unit, the financial service including an online service, the subscription status information including the online service non- The number of times that the online service is unregistered, the number of errors of the online service registration number is exceeded, the number of errors of the transfer password is exceeded, the number of errors of the security medium related to the online service is exceeded, the 12 month money transfer is not used, And information corresponding to any one of the business day unregistered days, and
Determining whether the subscription status of the user is a normal subscription status when the subscription status information includes only information corresponding to the online service subscription, and wherein the subscription status information includes information corresponding to the non- And a display unit for displaying a screen including a first object for proceeding with the financial service re-enrollment procedure on the display unit, when the subscriber information includes information other than information corresponding to the normal subscription, Or if the subscription status information includes only the information corresponding to the non-online service, a screen including a third object for determining the subscription status of the user as an unattended status and for proceeding with the financial service subscription procedure Displaying on the display unit
The method comprising the steps of: delete 14. The method of claim 13,
Wherein the step of changing the screen displayed on the display unit comprises:
Further comprising transmitting to the financial service server, when the first object is selected, a message requesting the user to cancel the subscription to the financial service through the communication unit. 14. The method of claim 13,
Wherein the step of changing the screen displayed on the display unit comprises:
Further comprising displaying a second object for proceeding with the supplementary service application procedure related to the financial service on a screen including the first object when the subscription state of the user is determined as the normal subscription state A method of providing financial services using a financial terminal. 17. The method of claim 16,
And receiving information related to the additional service of the user from the financial company server when the second object is selected. delete 14. The method of claim 13,
Wherein the step of changing the screen displayed on the display unit comprises:
And displaying a screen including the third object on the display unit when the first object is selected. delete delete 14. The method of claim 13,
Wherein authenticating the user comprises:
Driving the camera and the recognition unit to photograph the user and scan the ID card placed on the scanner,
Reading the information recorded in the ID card using the image data of the scanned ID card,
Transmitting the user photographed image, the ID image data, and the information described in the ID card to the administrator terminal through the communication unit; and
Completing the user authentication according to an authentication confirmation telegram received from the administrator terminal through the communication unit
The method comprising the steps of: 14. The method of claim 13,
Wherein authenticating the user comprises:
Sensing the at least one of the vein distribution pattern, the iris pattern, the retina pattern, and the fingerprint pattern as biometric information by driving the recognition section; and
Transmitting the biometric information to the financial company server, completing the user authentication according to an authentication confirmation telegram received from the financial company server
The method comprising the steps of:

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