KR101828445B1

KR101828445B1 - System and method for providing automated teller machine service using mobile device

Info

Publication number: KR101828445B1
Application number: KR1020150134517A
Authority: KR
Inventors: 박경양
Original assignee: 주식회사 하렉스인포텍
Priority date: 2015-09-23
Filing date: 2015-09-23
Publication date: 2018-02-13
Also published as: WO2017052276A1; KR20170035545A

Abstract

According to another aspect of the present invention, there is provided an automatic deposit and withdrawal service system including a card reader and recognizing a MIN card including telephone number information of a portable terminal, An automated teller machine (ATM); A portable terminal including an application for deposit / withdrawal processing and an input / output device; And a server for receiving the information for deposit / withdrawal processing from the portable terminal, comparing the information with pre-stored information, and transmitting the deposit / withdrawal approval information to the automatic cash dispenser if the same information is identical to the stored information, The mobile terminal transmits an execution command to the portable terminal using the included phone number information, and the portable terminal executes the application after receiving the command, and displays it on the input / output device to receive the deposit / .

Description

BACKGROUND OF THE INVENTION 1. Field of the Invention [0001] The present invention relates to a system and method for automatically depositing and withdrawing money using a mobile terminal,

[0001] The present invention relates to an automatic withdrawal and withdrawal service using a mobile terminal, an automatic withdrawal and withdrawal service system in which transaction information is displayed using a MIN card and a user portable terminal, authentication is performed between an automatic cash deposit and withdrawal machine (ATM) &Lt; / RTI >

BACKGROUND ART [0002] A conventional automated teller machine (ATM) has a processing device including a computer for processing work related to deposit and withdrawal, a display device for outputting information related to deposit and withdrawal, And an input device. When a conventional touch panel display is used as a display device, it usually serves as an input device.

Also, in the front part of the ATM, there are various kinds of entrances such as a card, a bankbook, a cash door, etc. When the cash is withdrawn by using such ATM, a passbook or a cash card is put in the entrance of the ATM, When the password is inputted through the input device of the ATM, the processing device confirms the communication with the server and then discharges the cash through the cash gateway.

In this process, since the display device and the input device are exposed to the outside of the ATM, the input contents can be easily grasped by the people around them, and it is also possible to know which card is used to deposit or withdraw money. If you enter only the password that you find out, you can easily withdraw money, which is likely to cause damage due to theft.

In addition, since the passbook or the cash card must be carried at all times in order to deposit and withdraw money, there are many problems such as inconvenience that the ATM can not be used when there is no passbook or a cash card.

DISCLOSURE OF THE INVENTION The present invention has been made in view of the technical background as described above, and it is an object of the present invention to provide a withdrawal service system capable of using an ATM using a MIN card which is less likely to be stolen even in the case of theft instead of a cash card or a bankbook, The present invention is directed to providing a method for providing a service to a user.

The objects of the present invention are not limited to the above-mentioned objects, and other objects not mentioned can be clearly understood by those skilled in the art from the following description.

According to another aspect of the present invention, there is provided an automatic deposit and withdrawal service system including a card reader and recognizing a MIN card including telephone number information of a portable terminal, An automated teller machine (ATM); A portable terminal including an application for deposit / withdrawal processing and an input / output device; And a server for receiving the information for deposit / withdrawal processing from the mobile terminal, comparing the information with pre-stored information, and transmitting the deposit / withdrawal approval information to the automatic cash dispenser if identical to the stored information, The mobile terminal transmits the execution invoice application execution command to the portable terminal by using the phone number information included in the received phone number information, and the portable terminal executes the application after receiving the command and displays it on the input / .

The method of automatically depositing and withdrawing money according to another aspect of the present invention includes the steps of recognizing a MIN card containing telephone number information of a user portable terminal to a card reader of an automatic cash deposit and deposit machine and transmitting the MIN card information to a server ; Transmitting and receiving a deposit / withdrawal application execution command to the portable terminal using the phone number of the portable terminal included in the MIN card information received by the server and receiving the MIN card information; Executing the deposit / withdrawal application after receiving the deposit / withdrawal application execution command and displaying it on a screen; Inputting deposit / withdrawal information through the displayed screen; Transmitting transaction information including the deposit and withdrawal information from the portable terminal to the server in which financial information is stored; And comparing the received transaction information with the stored financial information and transmitting the deposit / withdrawal approval information from the server to the automatic cash deposit / withdrawal apparatus.

According to the present invention, the convenience of using an automatic cash dispenser as a MIN card and a portable terminal storing only phone number information without a passbook or a cash card, and information on deposit / withdrawal using the input / output function of the portable terminal, You can reduce the risk of password exposure by touching the screen or entering a button, and there is less risk of theft if you lose your MIN card.

1 is a structural diagram of an automatic withdrawal and withdrawal service system according to an embodiment of the present invention;
2 is a structural diagram of an automatic deposit and withdrawal service system according to another embodiment of the present invention.
3 is a flowchart of a method of automatic withdrawal and payment service according to another embodiment of the present invention.
4 is a flowchart of a method of automatic withdrawal and withdrawal service according to another embodiment of the present invention.

BRIEF DESCRIPTION OF THE DRAWINGS The advantages and features of the present invention, and the manner of achieving them, will be apparent from and elucidated with reference to the embodiments described hereinafter in conjunction with the accompanying drawings. The present invention may, however, be embodied in many different forms and should not be construed as being limited to the embodiments set forth herein. Rather, these embodiments are provided so that this disclosure will be thorough and complete, and will fully convey the scope of the invention to those skilled in the art. Is provided to fully convey the scope of the invention to those skilled in the art, and the invention is only defined by the scope of the claims. It is to be understood that the terminology used herein is for the purpose of describing particular embodiments only and is not intended to be limiting of the invention. In the present specification, the singular form includes plural forms unless otherwise specified in the specification. As used herein, the terms " comprises, " and / or "comprising" refer to the presence or absence of one or more other components, steps, operations, and / Or additions.

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

1 shows a configuration of an automatic deposit and withdrawal service system according to an embodiment of the present invention.

The automatic deposit and withdrawal service system comprises an automatic cash dispenser 110, a portable terminal 120 and a server 130.

The automatic cash dispenser 110 includes a card reader such as a card reader and is capable of recognizing a MIN (Mobile Identification Number) card including a telephone number or personal identification number information. Also, when information necessary for the deposit / withdrawal transaction is exchanged through communication with the server 130 and the approval number is received from the server 130, the cash is directly withdrawn or received. At this time, the automatic cash dispenser 110 may output a predetermined amount of prepaid cards, gift certificates, gift cards, lotteries, etc. instead of cash.

When the MIN card is recognized by the card recognizer of the automatic cash dispenser 110, the automatic cash dispenser 110 transmits the information of the MIN card and the information of the automatic cash dispenser 110 to the server 130.

The deposit and withdrawal information and the member information are communicated directly between the portable terminal 120 and the server 130. The automatic cash deposit and withdrawal apparatus 110 receives an approval number according to the approval process from the server 130, Or outputs the above-mentioned prepaid card or gift certificate.

The portable terminal 120 can be used as a device such as a smart phone having a display and input device for displaying and inputting deposit and receipt information and an application (App, App.) For deposit and withdrawal.

The application must be installed in advance to use the service, but it can be installed after receiving the command in the push method. Only when the application is executed for the first time, the name of the financial institution for the deposit and withdrawal service, the account number agreement account information and the member information for using the automatic withdrawal service It is possible to easily use the stored information without inputting such information.

The server 130, which receives the MIN card information from the automatic cash dispenser 110, checks the portable terminal telephone number or the personal identification number of the user included in the MIN card information. If the server 130 receives the personal identification number, Or the personal identification number stored in the other authentication server is compared with the received personal identification number to confirm the telephone number of the user and then a command to execute the deposit and withdrawal application of the portable terminal 120 is transmitted to the portable terminal of the corresponding number do.

The portable terminal 120 receiving the command displays an application on the screen, displays information on deposit and withdrawal on the screen, inputs a password or the like by using the touch interface or the input device of the portable terminal 120, The cash dispenser 110 can provide a deposit and withdrawal service without a display device or an input device.

The portable terminal 120 exchanges information necessary for the transaction with the server 130. The portable terminal 120 includes information for preventing the tampering such as the location of the portable terminal 120, the unique number, the telephone number, the unique number of the deposit and withdrawal application, Exchange information related to the deposit and withdrawal such as the name of the financial institution, the unique code of the financial institution, the amount of deposit and withdrawal, and the password.

When a screen of the portable terminal 120 is configured by a touch screen, a financial institution to be traded, an account number, a transaction amount, a password input window, and the like are displayed and the user can input deposit and withdrawal information by touching each. Fig. 5 shows an example of such a screen configuration.

In addition, a variable keypad is applied to the password input window, and additional authentication means such as fingerprint recognition, signature recognition, face recognition using a camera, and iris recognition can be applied for additional security.

In addition, when the pulse sensor and the humidity sensor of the mobile terminal are used, it is possible to measure the increase of the pulse rate and the discharge of sweat caused by illegal use, such as a polygraph, and to detect withdrawal by theft or intimidation.

When the deposit / withdrawal information thus inputted is transmitted to the server 130, the server 130 synthesizes the information and determines whether to approve the deposit / withdrawal information.

The server 130 stores the member information of the service user and the account information of the financial institution and uses the information to judge the authenticity of the information received from the portable terminal 120 or the automatic cash deposit machine 110.

If it is determined that the received information is authentic, the transaction is approved and the approval number is transmitted to the automatic cash deposit / withdrawal unit 110 so that the deposit and withdrawal is made.

2 shows a configuration of an automatic deposit and withdrawal service system according to another embodiment of the present invention. Unlike FIG. 1, the system includes a service provider server 230 and a financial institution server 240 for automatic deposit and withdrawal service.

Unlike the above-described system, the service provider server 230 stores the device information of the automatic cash dispenser 210, the member information of the automatic deposit / withdrawal service, the information of the authenticated portable terminal 220, And the financial institution server 240 stores only information relating to deposit and withdrawal, such as a financial institution name, an account number, an entry / exit amount, and a password, and determines and approves the information.

Since the configuration of the automatic cash dispenser can be simplified through the system configuration as described above and the information for the transaction is displayed on the portable terminal such as the smart phone of the user and inputted through the portable terminal, it is possible to prevent the damage by theft or voice phishing You can use the cash deposit and withdrawal service easily without carrying a cash card or bankbook.

Hereinafter, a method of providing an automatic withdrawal service using the above-described systems will be described in detail.

3 is a flowchart illustrating a method of automatic withdrawal and withdrawal service according to another embodiment of the present invention.

In order to use the service, the user recognizes the MIN card including the telephone number information or the personal identification number of the portable terminal of the user to the card reader of the automatic cash dispenser (S310). The automatic cash dispenser recognizing the MIN card transmits the information of the financial institution name, branch name, device unique number, location, etc. of the automatic cash dispenser and the information of the MIN card to the server (S312).

The server checks the information of the automatic cash dispenser and the information of the MIN card to obtain the telephone number of the user portable terminal. If the telephone number is included in the information of the MIN card, the server uses it and if only the personal identification number is stored A telephone number is obtained using information corresponding to a personal identification number stored in the server or another authentication server. And transmits a command for executing the deposit-and-withdrawal application of the portable terminal to the push type using the telephone number of the user portable terminal obtained from the MIN card information (S314).

The portable terminal receives the information and executes the application, transmits the information specific to the application for confirmation of tampering such as hacking of the deposit / withdrawal application, the member information for using the cash deposit / withdrawal service, the device number, the phone number, and the location information of the portable terminal to the server (S318).

As shown in Fig. 5, the screen of the portable terminal on which the application is executed shows a bank name, withdrawal amount, and password input for deposit and withdrawal. For security purposes, the account number or authorized certificate information can be set so that it is entered only once when the application is first executed and not displayed on the deposit / withdrawal screen.

The user selects the input / output amount in the executed application and inputs the password (S320). For security, the keypad for inputting the password can use the variable keypad. Further, in order to enhance the security, it is also possible to use an additional authentication method such as signing using a touch pad, fingerprint input, face recognition using a camera of a portable terminal, and iris recognition separately from a password input.

In addition, if the user is threatened by a burglary, the user can be deprived of cash or the like if he / she inputs the password correctly. If the burglary password is continuously misused, the user may be exposed to physical risk such as violence. Can be set up to cope with such a dangerous situation.

If the user enters a second password in a dangerous situation, the mobile terminal or the automatic cash deposit / withdrawal machine normally looks for the withdrawal to proceed, but the communication is automatically made to the financial institution or the police and the dispatch for the arrest or the CCTV recording And the like.

In case of a risk situation, the automatic cash dispenser can output fake cash, gift certificates, and prepaid cards that are not real cash or gift cards or prepaid cards, and they can install GPS chips that can track strength or fraudulent users. have.

When the portable terminal completes the input, it transfers the deposit and withdrawal information such as the bank, money, and password to the server (S322). In step S324, the server compares the stored account number and password with the previously stored information, and compares the signature, fingerprint, face, or iris, which is an additional authentication means, with the stored information.

In addition, the position of the automatic cash dispenser is confirmed by the unique number of the automatic cash dispenser, and the transaction is approved only when the automatic cash dispenser and the mobile terminal are located within a predetermined distance set beforehand compared with the position information received from the mobile terminal It is also possible to increase the security by the method.

When the transaction is approved, the server transmits the approval number, which is the approval result, to the automatic cash dispenser (S326).

The automatic cash dispenser having received the approval number checks the approval number and processes cash withdrawals (S328). At this time, a gift certificate, a prepaid card, or a lottery ticket may be outputted instead of cash as described above.

Upon completion of deposit / withdrawal, the automatic cash deposit / withdrawal apparatus stores the transaction details and transfers the transaction details to the server (S330). The server stores the received transaction details in the same manner as the normal bank transaction (S332).

When the transaction history storage is completed, the server finally transfers the transaction details to the mobile terminal (S334), and the user confirms that the transaction has normally ended through the screen of the mobile terminal.

4 shows a flowchart of a method of automatic deposit and withdrawal service according to another embodiment of the present invention. Unlike FIG. 3, the server includes a service provider server and a financial institution server.

When the user recognizes the MIN card in the card reader of the automatic cash dispenser (S410), the automatic cash dispenser transfers its own information and MIN card information to the service provider server (S412) (S414) and sends a command for executing the deposit / withdrawal application to the portable terminal of the user using the telephone number acquired from the MIN card (S416).

After receiving the command, the mobile terminal transmits the deposit and withdrawal application information and the member information to the service provider server (S418), executes the application, receives the deposit and withdrawal information such as the amount and the password from the user (S420) If it is transmitted (S422), the service provider server transmits it to the financial institution server to request approval of deposit / withdrawal (S424).

In step S426, the financial institution server confirms the received deposit / withdrawal information and transmits the approval number to the service provider server in step S428. The service provider server transmits the approval number to the automatic cash deposit / withdrawal server in step S430.

Upon receipt of the approval number, the automatic cash depositing and dispensing machine checks the approval number and performs deposit and withdrawal processing (S432).

When the deposit / withdrawal process is completed, the automatic cash deposit / withdrawal apparatus transfers the transaction details to the service provider server (S434), stores the transaction details (S436), and transmits the transaction details to the financial institution server (S438).

The financial institution server having received the transaction details stores it (S440) and transfers it to the mobile terminal (S442), so that the user can check transaction details through the mobile terminal.

With the automatic deposit and withdrawal service system and method as described above, the user can use the deposit and withdrawal service which is more convenient and enhanced security, and can prevent the financial accident in advance.

While the present invention has been described in detail with reference to the accompanying drawings, it is to be understood that the invention is not limited to the above-described embodiments. Those skilled in the art will appreciate that various modifications, Of course, this is possible. Accordingly, the scope of protection of the present invention should not be limited to the above-described embodiments, but should be determined by the description of the following claims.

110: Automatic cash dispenser 120: Portable terminal
130: Server
210: Automatic cash dispenser 220: Portable terminal
230: service provider server 240: financial institution server

Claims

An automatic teller machine (ATM) that includes a card reader and recognizes a MIN card including telephone number information or personal identification information of the portable terminal, and transmits the MIN card information and the unique information to the server;
A portable terminal including an application for deposit / withdrawal processing and an input / output device; And
Acquiring the telephone number of the portable terminal by acquiring the telephone number by using information corresponding to the personal identification information if the telephone number information is not included in the MIN card information, A server for receiving a deposit / withdrawal application execution command from the portable terminal, receiving information for deposit / withdrawal processing from the portable terminal, comparing the information with pre-stored information, and transmitting deposit / withdrawal approval information to the automatic cash deposit / Lt; / RTI >
The portable terminal transmits the unique number of the application for the deposit / withdrawal processing to the server to determine whether it is forged or not. After receiving the deposit / withdrawal application execution command, the portable terminal executes the application and displays an input field on the input / output device, Receiving information,
The server receives the sensing information from the portable terminal and judges whether the terminal is fraudulent. When the server detects a fraudulent use, the server blocks the withdrawal,
When the predetermined second password is input from the mobile terminal as the information for the deposit / withdrawal processing, the server and the automatic cash deposit / withdrawal apparatus proceed to withdraw according to the request, and the server judges that the withdrawal request is due to a dangerous situation A request for dispatch for the arrest, or a CCTV recording around the automatic cash dispenser
Wherein the automatic withdrawal service system comprises:

The method according to claim 1,
Wherein the server includes a service provider server and a financial institution server,
Wherein the service provider server stores the automatic withdrawal service member information,
Wherein the financial institution server stores account information for the deposit / withdrawal processing
Automatic teller machine service system.

The method according to claim 1,
Wherein the server receives the position information of the automatic cash dispenser and the position information of the portable terminal and compares the received position information with each other to confirm the deposit and withdrawal transaction only when the automatic cash dispenser and the portable terminal are located within a predetermined distance To do
Automatic teller machine service system.

The information processing apparatus according to claim 1, wherein the information for deposit /
A transaction financial institution code, a transaction amount, a password, a unique number of the automatic cash dispenser, and user information
Automatic teller machine service system.

The method according to claim 1,
The screen of the application displayed on the input / output device of the portable terminal includes a password input window constituted by a variable keypad
Automatic teller machine service system.

6. The method of claim 5,
The screen may further include an input window separate from the password input window for recognizing at least one of a user's fingerprint, signature, iris, and face
Automatic teller machine service system.

The method according to claim 1,
The automatic cash dispenser outputs the cash, the gift certificate, the prepaid card, the ticket or the lottery corresponding to the approved amount after receiving the deposit / withdrawal approval information
Automatic teller machine service system.

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