KR19990069427A - Method and device for charging card in automatic teller machine - Google Patents

Abstract

The present invention relates to a card charging method and apparatus for an automatic teller machine, wherein an IC memory is embedded so that a predetermined charging card capable of recording / deleting data can be charged regardless of time and place in the automatic teller machine. .

The card recharging method of the automatic teller machine includes an inserting step of selecting a charging function mode of a charging card and inserting a cash or a predetermined credit card / cash card according to the charging function mode when charging a charging card in an automatic teller machine. ; In the case of the charging function according to the cash deposit, the cash amount corresponding to the recharge amount is input by inputting the recharge amount of the recharge card, the recharge amount and the deposited cash are checked, the recharge card inserted is recharged, and the credit card / cash card In the case of the charging function, the credit card / cash card password and the charge amount of the charging card are input to determine whether the credit card / cash card is remaining and available, and after the charging card is inserted, the inserted charging card is removed. It is achieved by including a recharging step of recharging the amount corresponding to the recharge amount from the credit card / cash card through bank transfer.

Description

Method and device for charging card in automatic teller machine

The present invention relates to an automatic teller machine, and more particularly, an automatic teller machine for recharging a contactless card and a contact card capable of recording / deleting data, regardless of time, with a built-in IC memory. It relates to a card charging method and apparatus.

In general, automatic teller machines automatically cash payments, cash deposits, bank transfers, and exchange banknotes, such as those performed by cashiers at counters, even during off-hours or holidays when customers of financial institutions cannot go through the counters of the branches. Refers to the device to perform as.

This automatic teller machine can be used for banks' computer systems (hosts, banks, express bus terminals, building premises, etc.) at locations other than the counters in the branches, for the purpose of streamlining business operations such as non-business hours and holidays, and improving customer service. It is connected to the computer system and online, so that the customer can directly perform the necessary work.

In recent years, customers who use automatic teller machines have been increasing in addition to the unique functions such as cash deposits and withdrawals.

If this is described in detail with reference to the drawings, as shown in Figure 1 showing the automatic teller machine according to the prior art, the automatic teller machine 10 is a control processor (Control Processor) 16, the first and second module unit ( 20 and 22 and a main control unit 18 for controlling an automatic teller machine are interconnected, and the main control unit 18 is connected to the host computer 12 and the external host computer 14 of the bank. Communication equipment for mutual data communication, such as a modem or a LAN card. In addition, the first and second module units 20 and 22 are provided with a numeric keypad for inputting data and a display device such as a screen.

Preferably, the first module unit 20 is installed as a number module and a display device as a main module unit of the automatic teller machine, and the second module unit 22 performs an auxiliary function of the first module unit 20. Module part.

The automatic cash dispenser 10 configured as described above is an electric signal corresponding to the operated key when the user operates a key located in the first module unit 20 to perform a desired operation such as cash withdrawal and balance inquiry. Is generated, and the encoded data is transmitted to the host computer 12 via the communication line.

At this time, the control processor 16 and the main control unit 18 perform various procedures prior to data transmission for transmitting the encoded data, that is, connection with the counterpart host computer, confirmation of the counterpart host computer, and the like. After the transfer of data, perform the following procedure, such as confirming that the data transfer is executed correctly, confirming that it has finished, and then disconnecting the line.

The host computer 12 reads the transmitted encoded data, and the control unit (not shown in the figure) retrieves the corresponding data to be provided to the user from the storage means.

When the search is completed, the control unit transmits data to the automatic teller machine 10, and the transmitted data is provided to the user through the display apparatus.

That is, the corresponding service provision for the user's input data called from the main control unit 18 of the cash dispenser 10 is inputted to the cash dispenser 10 at the same time as the real time from the host computer 12 in the bank. In response, the response to the service is provided to the user through a display unit or a separate output device.

In other words, the automated teller machine that acts as a teller of a bank is installed in various areas outside the bank, connected to a central host computer through a communication line, and operated by a customer by themselves, thus depositing, withdrawing and remitting cash. Your needs are handled in real time.

The operation of the automated teller machine can be connected not only to the host computer 12 in the bank but also to other host computers 14 in a specific region, thereby sharing the service with another bank or a service provider.

On the other hand, recently, the use of cash and credit cards used in automatic teller machines has increased, and a certain amount of money has been charged to the card or credit card that can be used on buses, subways, etc. It became.

In other words, the payment of buses, subways, etc. can be used not only for cash and tickets but also for IC cards. It is supposed to be paid.

Such IC cards are generally classified into a contact card and a contactless card. A contact card inserts a card directly into a card reader, and a card reader reads data stored in the card, such as a cash card and a credit card. Non-contact cards such as bus cards, etc., are a new type of IC card that inputs and outputs information using electromagnetic waves, and can transmit information with a card reader in a range of several mm to several meters depending on the strength of the electromagnetic wave.

In this case, when it is necessary to store a certain amount of data stored in the card, for example, cash or recharge the charge, the charging process is performed using a separate charging device. That is, when charging a bus card that is currently generalized, data is input to the bus card according to the cash to be charged at a place having a designated charging device.

However, the above-mentioned charging device for charging the IC card and the bus card is not widespread, which causes a lot of inconvenience to the user using the same. That is, since the charging place for charging the card is installed only in a very limited place, when the card needs to be charged, a lot of difficulties arise in use, and in the case of a large number of users who wish to charge the card, the time consumption is large. In addition, there is a problem that the card charging station can not be charged because it is not open on holidays or late hours.

Therefore, the present invention excludes the charging process only in a specific area where a charging device for charging a charging card, such as a bus card or the like, is spread in the above-described conventional technology, and is a predetermined method for a cash dispenser. In addition to the main control device that sends a charging command to charge the charging card, a device having a separate charging function is provided as an interface, and the credit card according to the credit / cash card and the corresponding cash deposited according to the charging mode selection of the automatic teller machine. An object of the present invention is to provide a method and apparatus for charging a card of an automatic teller machine for charging a cash machine.

In another aspect of the present invention, according to the use of the automatic teller machine with a built-in charging function of the charge card is to increase the efficiency of card charging irrespective of time and place the card charging available only in some areas. .

In still another aspect of the present invention, an object of the present invention is to provide various ticket vending machines, lottery ticket vending machines, etc. instead of a card charger, so that various tickets can be easily released by credit / cash cards and cash.

1 is a schematic block diagram of an automatic teller machine according to the prior art,

Figure 2 is a block diagram showing a card charging device of an automatic teller machine according to an embodiment of the present invention,

3 is a flowchart showing a card charging process of an automatic teller machine according to FIG.

4 is a block diagram showing a card charging device of an automatic teller machine according to another embodiment of the present invention,

FIG. 5 is a flowchart illustrating a card charging process of an automatic teller machine according to FIG. 4.

<Description of the symbols for the main parts of the drawings>

100, 130: automatic teller machine 102, 132: user control panel

104, 134: card reader 106, 138: card charger

108, 140: main controller 110: host computer

136: cash recognition unit

In order to achieve the above objects, the card charging method of a cash dispenser according to an aspect of the present invention, when charging the charge card in the ATM, select the charging function mode of the charge card, the charging An insertion step of inserting cash or a given credit / cash card according to the function mode; In the case of a charging function according to the cash deposit, the cash amount corresponding to the charged amount is deposited by inputting a charged amount of the charge card, checking the charged amount and the deposited cash, and then charging the inserted charge card, In the case of the charging function according to the credit card / cash card, the password of the credit card / cash card and the charge amount of the charge card are input to determine whether the credit card / cash card is remaining and available, and the charge card And a charging step of charging the inserted charging card after the transfer of the charge amount through the account transfer from the credit card / cash card corresponding to the charged amount.

Preferably, when charging of the charge card is completed, the charge amount and the balance of the credit card / cash card together with the charge card and the credit card / cash card are displayed and released.

Preferably, the credit card / cash card is released when the credit card / cash card is unavailable.

Preferably, the checking of the availability of the credit card / cash card is performed at a host computer that is connected to the automatic teller machine.

Preferably, when recharging using the cash, if the cash is not confirmed, the cash is discharged card, characterized in that the cash is released.

In order to achieve the object as described above, the card charging apparatus of the automatic teller machine according to another aspect of the present invention, the operation means for selecting the charging function mode, inputting the password and the amount of charge of the credit card / cash card; Reading means for reading the account number of the credit card / cash card; Receiving the password and the account number of the credit card / cash card from the operating means and the reading means and transfers the credit card / cash card information to the host computer storing the credit card / cash card, the credit card / cash from the host computer Control means for receiving the use of the card; And a charging means for receiving a charging command from the control means and charging a predetermined charging card to be charged according to whether the credit card / cash card is used and an output means for outputting a charging result.

Optionally, when the charging function is not selected from the operation means, a function of a general automatic teller machine is performed.

Preferably, the card is characterized in that the card is stored a predetermined amount of cash data that can settle the charge amount.

Preferably, the output means prints and outputs result data on the charge card and the credit card / cash card when the charge card is completed.

Further, in order to achieve the object as described above, the card recharging apparatus of the automatic teller machine according to another aspect of the present invention, the operation means for selecting the charging function mode, input the charge amount and the input charge amount Recognition means for recognizing the corresponding cash; Control means for receiving the charge amount input from the operation means and data on the cash recognized by the recognition means and generating a charge command; And a charging means for receiving the charging command generated from the control means and charging the charging card and an output means for outputting the charging result.

Preferably, the recognizing means is characterized in recognizing the kind of sort of the cash and damaged paper money, fake paper money.

Preferably, the output means prints and outputs result data on the charge card and the deposited cash.

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

Figure 2 is a block diagram showing a card charging device of an automatic teller machine according to an embodiment of the present invention, the cash automatic teller machine 100 having a charging function by the card, the user is a cash / credit card (hereinafter "card" Inserting the &quot; abbreviated name &quot; to read it, to transmit the account number of the card, etc., to select the charging mode after the card is read from the card reader 104, and to operate the password and charge amount. The main control unit 108 receives data from the user operation unit 102, the card reader 104, and the user operation unit 102, and transmits the data such as the account number and password of the card to the host computer 110 to receive the use of the card. And a card charger 106 that receives a charging command from the main controller 108 to charge the charging card.

Referring to FIG. 3, the operation of the automated teller machine is configured as follows.

First, the user inserts a cash card or credit card into the card reader 104 (ST112). The account number of the inserted card is read by the card reader 104 and transmitted to the host computer 110 through the main control unit 108.

Subsequently, the user selects the card charging mode of the automatic teller machine 100 through the user operation unit 102 (ST113), and inputs the password of the inserted card and the amount to be charged (ST114) (ST115).

In this way, the data input to the user operation unit 102 is transmitted to the host computer 110 via the main controller 108 in the same manner as the card account number transmission (ST116).

Here, the host computer 110 is connected to a plurality of automated teller machines online, and determines whether to use the card transmitted from the automated teller machine, balance check, password and the like compared with the data of the card previously stored. In addition, it can be connected to the host computer of another financial institution through a communication line to perform mutual account transfer.

The host computer 110 receives the data transmitted from the main controller 108 and determines whether the inserted card is used (ST 117).

That is, it is determined whether the password or the transferred account number of the card input by the user is consistent with the data previously stored in the host computer 110, and the like is transmitted to the main controller 108.

At this time, in the case of the card is not available, it is discharged through the discharge unit (not shown in the figure) of the automatic teller machine 100 (ST125).

In addition, after determining whether the card is used (ST117), in the case of a usable card, the main control unit 108 checks the remaining balance on the card (ST118). Even if this is small, the card is ejected through the ejection section (ST125).

Subsequently, in the case where the card is confirmed and can be used, the card shows to the user through the display unit (not shown) that the charging process can be performed, and the user sends the charge card to the card charger 106. Insert it. When the charge card is inserted into the card charger 106, the main controller 108 transmits a charging command to the card charger 106 (ST119) (ST120).

The card charger 106 performs charging on the inserted charging card (ST121), and at this time, charging is performed as much as the charging amount input by the user on the user manipulation unit 102.

Charging is carried out by the transfer of funds from the bank account of the card inserted in the card reader 104 to the recharging card.

When the card charging is completed, the main control unit 108 sends an output command of the specification table for the card charging result to the card reader 104, and the card reader 104 releases the specification table to the user.

At this time, the discharge of the initially inserted cash / credit card and charging card is made at the same time, or immediately after the reading process of the cash / credit card, the cash / credit card is released, after which the charging card and the specification table are released. Can be (ST122 ~ ST124).

On the other hand, Figure 3 is a block diagram showing a card charging apparatus of an automatic teller machine according to another embodiment of the present invention.

Here, in describing the embodiment of FIG. 3, the description of the overlapping parts with the detailed description of the embodiment of FIG. 2 may be omitted.

The automated teller machine (130) includes a user operating unit (132) for selecting a card recharging mode and a charged amount, a cash recognition unit (136) for recognizing the deposited cash, a user operating unit (132), and a cash recognition unit ( The main control unit receives data from the card 136 and transmits a charging command to the card charger 138 in which the charging card is inserted, and sends an authorization command to the card reader 134 to output the result and provide the result to the user. 140.

Here, the cash recognition unit 136 detects the abnormality of the bill by the length measuring sensor, optical sensor, magnetic sensor, image sensor, and the like, and also performs a function of identifying whether the banknote is damaged or a counterfeit bill. do.

In addition, the card reader 134 performs a function of printing data according to the charging result from the main controller 140.

The card charging process of the automatic teller machine with the above-described configuration will be described in more detail with reference to FIG. 5.

First, the user selects the charging mode of the card through the user operation unit 132 (ST141).

At this time, after the card charging mode is selected, the main controller 140 determines whether the payment type of the charged amount, that is, cash or credit / cash card, is paid (ST142). Here, when the charging is performed by a card other than cash, the card charging process of the automatic teller machine using the card described above is performed (ST143) (ST144).

On the other hand, in the case of using cash, the user deposits the amount of money and the cash corresponding to the amount of money to the cash recognition unit 136 (ST145) (ST146), the cash recognition unit 136 is a variety of deposits cash The cash is checked by the sensors (ST147). If there is an abnormality in the deposited cash or the counterfeit bill, the cash recognition unit 136 does not recognize this and releases it through the discharge unit (ST153).

The cash recognition unit 136 checks the deposited cash, and then transmits the data according to the main controller 140.

Then, the main controller 140 notifies the user through the display unit, and the user inserts a card to be charged in the card charger 138 according to the charging card insertion command of the main controller 140 (ST148) (ST149).

The charging card inserted into the card charger 138 is charged according to the charging command of the main controller 140 (ST150).

Thereafter, when card charging is completed, the main controller 140 transmits a command for outputting the specification table for the card charging result to the card reader 134, and the card reader 134 releases the specification table to the user and charges the card. The completed charging card is provided to the user (ST151) (ST152).

On the other hand, the card charging apparatus of the automatic teller machine according to the present invention described above, it is possible to release the ticket by mounting the ticket vending machine in place of the card charger 106 (138).

The ticket vending machine releases various tickets such as lottery tickets and movie tickets, and the process of equipping its mechanism and releasing various tickets such as lottery tickets is carried out in the same manner as the process of recharging a card by cash or credit / cash card. Is performed.

In addition, in addition to the bus card is increasingly used in recent years, it can be used for telephone cards, train cards, etc. that can be continuously charged.

As described in detail above, the present invention provides an interface with a device having a separate charging function in addition to a main control device for transmitting a charging command to charge a predetermined charging card in the automatic teller machine, the charging mode of the automatic teller machine Optionally, you can recharge your credit card based on your credit / cash card and the corresponding cash deposited to increase the efficiency of your automated teller machine by recharging certain cards, regardless of time and place, available only in some areas. It works.

In addition, various ticket vending machines, lottery ticket vending machines, etc. are built in place of the card charger, so that various tickets can be easily released.

Claims (12)

An inserting step of selecting a charging function mode of the charging card and inserting a cash or a predetermined credit card / cash card according to the charging function mode when charging a charging card in an automatic teller machine; In the case of a charging function according to the cash deposit, the cash amount corresponding to the charged amount is deposited by inputting a charged amount of the charge card, checking the charged amount and the deposited cash, and then charging the inserted charge card, In the case of the charging function according to the credit card / cash card, the password of the credit card / cash card and the charge amount of the charge card are input to determine whether the credit card / cash card is remaining and available, and the charge card And a recharging step of recharging the inserted recharging card, the amount corresponding to the recharging amount, from the credit card / cash card through an account transfer after transferring the insertion command of the card. The method of claim 1, wherein when the charge card is fully charged, the charge amount and the credit card / cash card together with the charge amount and the balance of the credit card / cash card are displayed and released. How to charge a card in an ATM machine. The method of claim 1, wherein the credit card / cash card is released when the credit card / cash card is unusable. The method of claim 1, wherein the checking of the availability of the credit card / cash card is performed at a host computer that is connected to the online teller machine. The method of claim 1, wherein when the cash is charged, the cash is released if the cash is not confirmed. Operating means for selecting a charging function mode, inputting a password and charge amount of a credit card / cash card, and reading means for reading an account number of the credit card / cash card; Receiving the password and the account number of the credit card / cash card from the operating means and the reading means and transfers the credit card / cash card information to the host computer storing the credit card / cash card, the credit card / cash from the host computer Control means for receiving the use of the card; And And a charging means for receiving a charging command from the control means and charging a predetermined charging card to be charged according to whether the credit card / cash card is used, and an output means for outputting a charging result. Card recharging device of the teller machine. 7. The card charging apparatus according to claim 6, wherein a function of a general automatic teller machine is performed when the charging function is not selected from the operation means. 7. The card recharging apparatus of claim 6, wherein the credit card / cash card is a card in which predetermined cash data for storing a recharge amount is stored. 7. The card charging apparatus according to claim 6, wherein the output means prints and outputs result data on the charge card and the credit card / cash card when the charge card is completely charged. Operating means for selecting a charging function mode, inputting a charging amount and recognition means for recognizing cash corresponding to the input charging amount; Control means for receiving a charge amount input from the operation means and data on the cash recognized by the recognition means and generating a charge command; And And a charging means for receiving a charging command generated from the control means and charging the charging card, and an output means for outputting a charging result. The card recharging device of an automatic teller machine according to claim 10, wherein the recognizing means recognizes the sorts of the cash and the damaged banknotes and counterfeit banknotes. 11. The card charging apparatus of an automatic teller machine according to claim 10, wherein the output means prints and outputs result data on the charge card and the deposited cash.