KR101850995B1 - Method and system for automated teller machine exchange service using information terminal - Google Patents

Abstract

Performing a currency exchange charging procedure in an escrow account opened in a first bank server in response to a currency exchange charging request by the payment agency server in a currency of the first country; Transmitting the withdrawal approval request information for the currency exchange service in the ATM to the payment agent server at the request of the user; Receiving the withdrawal approval information from the settlement proxy server and displaying it on the screen; And receiving the withdrawal approval information and the withdrawal request amount from the user and withdrawing the withdrawal request amount in a currency of the second country and paying the money. The ATM exchange service method using the information terminal is provided.

Description

TECHNICAL FIELD [0001] The present invention relates to an ATM exchange service method using an information terminal,

The present invention relates to a method and system for exchanging ATMs using an information terminal, and more particularly, to an ATM exchange service method and system thereof using an information terminal. More specifically, foreign tourists use a payment agent service to charge money for exchange in their own country, The present invention relates to an ATM exchange service method using an information terminal that enables exchange and withdrawal of money in a currency using an information terminal.

Generally, in order to travel overseas, the currency of the country must be exchanged. Therefore, the traveler should visit the domestic bank or the foreign exchange office before the departure to exchange the currency of the country in which the won is to be traveled.

At this time, when a traveler visits a bank and exchanges money, it is not safe because he or she should bring cash and a bank account. In the case of a bank, the burden is increased due to the increase in counter services such as currency inquiry, cash inspections, And the like.

In order to solve such an inconvenience, an invention relating to a currency exchange system on-line is already described in Korean Patent Laid-Open Publication No. 2001-0106573, entitled " Internet Money Exchange System and Money Exchange Method ".

Herein, a description will be given of a case of receiving a money exchange application history through a web site provided from a web server, storing the inputted money exchange application history in a web server, and requesting the deposit of the money exchange money, The method comprising the steps of: (a) exchanging a currency exchange transaction history with a database, (b) storing the exchange transaction history in a database together with the currency exchange application history, and (c) inquiring the customer's currency exchange history stored in the database.

In the case of customers, there is no need to visit the bank directly. This saves time and reduces the risks associated with cash, bankbooks, and personal seals. It also saves money by applying favorable exchange rates. And it is advantageous to improve the customer service because it is possible to prepare the currency and the currency for the exchange.

However, after performing each step online, if the customer who requested the exchange visits the designated branch office on the receipt of the foreign currency designated and requests payment of the foreign currency according to the currency exchange application, the designated branch office will present the customer's passport , The real name and the travel expense limit, and then pay the corresponding amount. As a result, the problem that the exchange can be made only after visiting each designated branch is still scattered.

In addition, we try to exchange money in various forms online, but in the end, customers are required to visit a money exchange or a bank.

The problem to be solved by the present invention is that foreign tourists will be able to charge the exchange money in their own currency through the settlement agent service and to exchange money in the Korean won using the information terminal without using a separate card in the ATM And to provide an ATM exchange service method and system using the same.

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

According to an aspect of the present invention, there is provided a method for charging a currency in a first country, the method comprising: performing a currency exchange charging procedure in an escrow account opened in a first bank server in response to a currency exchange charge request; Transmitting the withdrawal approval request information for the currency exchange service in the ATM to the payment agent server at the request of the user; Receiving the withdrawal approval information from the settlement proxy server and displaying it on the screen; And receiving the withdrawal approval information and the withdrawal request amount from the user and withdrawing the withdrawal request amount in a currency of the second country and paying the money. The ATM exchange service method using the information terminal is provided.

The step of transmitting the withdrawal approval request information to the settlement proxy server may transmit the withdrawal approval information by executing an application program for an ATM exchange service in which the information terminal is installed.

The step of paying in the currency of the second country comprises the steps of: receiving a withdrawal approval information and a withdrawal request amount from a user when the ATM selects a menu for executing an ATM exchange service; Sending the withdrawal approval information and the withdrawal request amount to the second bank server by the ATM, and requesting authentication and withdrawal approval of the withdrawal approval information; The second bank server communicates with the payment agency server in charge of the payment agent service used by the user based on the corresponding withdrawal approval information received from the ATM to deliver the withdrawal approval information and the withdrawal request amount Requesting authentication and withdrawal approval for the user; And transmitting the withdrawal approval signal to the ATM so that the second bank server withdraws the payment amount and sends the payment amount if the second bank server approves the withdrawal with approval from the payment agent server.

The withdrawal approval information may include at least one of a withdrawal approval number, a QR code, and a bar code.

According to another aspect of the present invention, there is provided a method for charging a currency in a first country, the method comprising: performing a currency exchange charging procedure in an escrow account opened in a first bank server in response to a currency exchange charge request; Receiving the withdrawal approval information from the settlement proxy server and displaying it on the screen; And receiving the withdrawal approval information and the withdrawal request amount from the user and withdrawing the withdrawal request amount in a currency of the second country and paying the money. The ATM exchange service method using the information terminal is provided.

The step of paying in the currency of the second country comprises the steps of: receiving a withdrawal approval information and a withdrawal request amount from a user when the ATM selects a menu for executing an ATM exchange service; Sending the withdrawal approval information and the withdrawal request amount to the second bank server by the ATM, and requesting authentication and withdrawal approval of the withdrawal approval information; The second bank server communicates with the payment agency server in charge of the payment agent service used by the user based on the corresponding withdrawal approval information received from the ATM to deliver the withdrawal approval information and the withdrawal request amount Requesting authentication and withdrawal approval for the user; And transferring the withdrawal approval signal to the ATM so that the second bank server withdraws the payment amount if the second bank server approves the withdrawal with approval of the user from the payment agent server and sends the withdrawal approval signal to the ATM / RTI >

The withdrawal approval information may include at least one of a withdrawal approval number, a QR code, and a bar code.

According to another aspect of the present invention, there is provided a bank server comprising: a first bank server; A settlement proxy server for performing a currency exchange charge process in an escrow account opened in the first bank server in response to a request for a currency exchange charge; An information terminal for transmitting withdrawal approval request information for a currency exchange service in the ATM to the settlement agency server according to a user's request, receiving withdrawal approval information from the settlement agency server and displaying the withdrawal approval information on a screen; And an ATM for accepting the withdrawal approval information and the withdrawal request amount from the user and withdrawing the withdrawal request amount in the currency of the second country and paying the money.

The ATM exchange service system using the information terminal receives the withdrawal approval information and the withdrawal request amount from the ATM and receives a withdrawal approval information for the withdrawal approval information from the ATM, And transmits the withdrawal approval information and the withdrawal request amount, requests authentication of the user and approval of withdrawal, communicates with the payment agent server that is responsible for the payment agent service And a second bank server for transferring the withdrawal approval signal to the ATM so as to withdraw and pay out the withdrawal amount if the withdrawal approval is granted together with approval for the user.

The withdrawal approval information may include at least one of a withdrawal approval number, a QR code, and a bar code.

According to yet another aspect of the present invention, there is provided a method for charging a currency in a first country, the method comprising: performing a currency exchange charging procedure in an escrow account opened in a first bank server in response to a currency exchange charge request; Displaying the QR code or barcode on the screen; The information terminal scans the QR code or the barcode and transmits withdrawal approval request information for the scanned QR code or bar code and the exchange service in the ATM to the payment agent server at the request of the user; And an ATM receiving withdrawal approval information from the settlement proxy server, receiving a withdrawal request amount from a user, withdrawing the withdrawal request amount in a currency of a second country, and paying the withdrawal amount, and providing an ATM exchange service method using the information terminal do.

According to yet another aspect of the present invention, there is provided a method for charging a currency in a first country, the method comprising: performing a currency exchange charging procedure in an escrow account opened in a first bank server in response to a currency exchange charge request; Generating a QR code or a barcode by using a QR code generator or a barcode generator and displaying the generated QR code or barcode on a screen when a menu for executing ATM exchange service is selected; The information terminal transmits a QR code or bar code recognized from the screen of the ATM through the QR code recognition function or the barcode recognition function and a withdrawal request amount to the second bank server and requests withdrawal approval for the corresponding QR code or bar code ; Transmitting a QR code or a barcode and an amount of withdrawal requested to the ATM to the second bank server to request withdrawal approval; The second bank server receives a QR code or a bar code from the information terminal and communicates with a payment agent server that is in charge of a payment agent service used by the user based on the corresponding QR code or bar code received from the ATM Transmitting a QR code or bar code and a requested amount of withdrawal, and requesting authentication and withdrawal approval for the user; And an ATM receiving withdrawal approval information from the settlement proxy server, receiving a withdrawal request amount from a user, withdrawing the withdrawal request amount in a currency of a second country, and paying the withdrawal amount, and providing an ATM exchange service method using the information terminal do.

According to the present invention, in a state where a user of a first country (for example, a foreign tourist) is charged with a money exchange service using a payment agent service provided by a payment agent server, In an ATM of two countries, a desired amount of money can be conveniently exchanged and withdrawn into a currency of a second country (for example, the Korean won) using an information terminal. As a result, the user does not need to visit the bank or the foreign exchange office to make money for the exchange, so that the customer can provide safety and convenience, thereby saving money and time.

According to the present invention, since the user authentication is performed in the ATM using the withdrawal approval number or the QR code displayed on the information terminal, it is not necessary to insert the card into the ATM, so that the financial fraud through card duplication can be prevented in advance.

According to the present invention, in the case of a bank, it is possible to save the burden of storing foreign currency cash, and to save transportation costs and insurance premiums for the export of the storage currency.

1 is a view for explaining an ATM exchange service system using an information terminal according to an embodiment of the present invention.
2 is a diagram for explaining an ATM exchange service method using an information terminal according to an embodiment of the present invention.
3 is a view for explaining an ATM exchange service method using an information terminal according to another embodiment of the present invention.
4 is a diagram for explaining an ATM exchange service method using an information terminal according to another embodiment of the present invention.
5 is a diagram for explaining an ATM exchange service method using an information terminal according to another embodiment of the present invention.

While the invention is susceptible to various modifications and alternative forms, specific embodiments thereof are shown by way of example in the drawings and will herein be described in detail. It should be understood, however, that the invention is not intended to be limited to the particular embodiments, but includes all modifications, equivalents, and alternatives falling within the spirit and scope of the invention.

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

1 is a view for explaining an ATM exchange service system using an information terminal according to an embodiment of the present invention.

Referring to FIG. 1, an ATM exchange service system using an information terminal includes an information terminal 100, a payment agent server 200, a first bank server 300, a second bank server 400, and an ATM 500 And the like.

The information terminal 100 may include a mobile communication terminal, a personal computer (desktop PC, notebook computer, etc.), and a personal information terminal which can be accessed from the payment agent server 200.

The computerized terminal 100 may connect to the payment agent server 200 and provide various payment agent services performed by the payment agent server 200 to the user. Here, the payment agent service may include an ATM exchange service.

The ATM exchange service charges the user of the first country to the first bank server 300 using the settlement proxy server 200 and transfers the money to the ATM 500 without using a separate card, To a currency of the second country by using the information terminal 100. [ For example, a user in a first country can be a foreign tourist, and a second country can be a country in Korea. For example, the currency of the first country may be the dollar, yen, or yuan, and the currency of the second country may be the currency.

The information terminal 100 can perform the exchange charge charging procedure necessary for the ATM exchange service. Currency exchange Charging means depositing the currency of the first country in an account designated for currency exchange purposes. It is said that depositing the exchange money is charged the exchange money. Deposited currency may be used to exchange currency in the second country. It is possible to exchange money into the currency of the second country within the range of the exchangeable currency charged to the currency of the first country. Here, the exchange of money into the currency of the second country means that the money is withdrawn from the ATM 500 in the currency of the second country.

The information terminal 100 may be provided with an application program for an ATM exchange service. Therefore, the information terminal 100 can execute an application program to perform a procedure for exchange service.

The information terminal 100 can receive user information and withdrawal approval information from the payment agent server 200. [ The user information is identification information given to users who use the ATM exchange service. The withdrawal authorization information is information used to authorize withdrawal when withdrawing the currency of a second country from the ATM using an ATM exchange service.

In one embodiment, the withdrawal authorization information may include a withdrawal authorization number. The information terminal 100 can display the withdrawal approval number received from the payment agent server 200 on the screen.

In another embodiment, the withdrawal authorization information may include a QR code. Therefore, the computerized terminal 100 can display the QR code received from the payment agent server 200 on the screen.

The settlement proxy server 200 may provide the settlement proxy service to the user at the information terminal 100. Here, the payment agent service may include an ATM exchange service. ATM exchange service means a service where the currency of the first country is exchanged at the ATM and paid in the currency of the second country.

The settlement proxy server 200 may conclude a service use agreement with users who use the settlement service, and may open an escrow account to the first bank server 300 for each user. The payment agency server 200 allows the user of the first country to charge the exchange account of the first country to the escrow account of the first bank server 300 for the ATM exchange service.

When the user who requests the ATM exchange service visits the second country and executes an application installed in the information terminal 100 to request withdrawal from the exchanged currency in the ATM 500, the payment transaction server 200 informs the withdrawal approval information To the terminal (100).

In one embodiment, the withdrawal authorization information may include a withdrawal authorization number. In another embodiment, the withdrawal authorization information may include a QR code.

In addition, the payment agent server 200 transmits and receives user information, money exchange charge information, and withdrawal approval information for the ATM exchange service with the second bank server 400.

Accordingly, the settlement proxy server 200 can receive the user information, the withdrawal request amount, and the withdrawal approval request signal for the ATM exchange service from the second bank server 400.

At this time, the user information includes withdrawal approval information transmitted from the payment agent server 200 to the information terminal 100. That is, when the user enters the withdrawal approval information received from the payment agent server 200 through the information terminal 100 into the ATM 500 and inputs the withdrawal request amount, the withdrawal approval information and the withdrawal request amount Is provided to the second bank server (400). Similarly, in the second bank server 400, a withdrawal approval request signal generated in the ATM 500 is received according to the input of the user.

The payment agency server 200 inquires the user information based on the user information, the withdrawal request amount and the withdrawal approval request signal received from the second bank server 400, inquires the charging price information of the user, The second bank server 400 may transmit a withdrawal approval signal to the second bank server 400 to withdraw the corresponding amount.

The first bank server 300 may be a server provided by a bank in each country such as China, Japan, the United States, and Switzerland.

The first bank server 300 provides an escrow account to the user in cooperation with the settlement agency server 200. The first bank server 300 stores a money exchange money that the user has transferred to the escrow account through the information terminal 100. Thereafter, when the first bank server 300 requests a remittance for ATM exchange from the payment agent server 200, the first bank server 300 sends the corresponding amount to the designated account. For example, the first bank server 300 sends the requested amount of the money deposited in the escrow account to the designated account of the second bank server 300. On the other hand, when the exchange service is completed, the balance stored in the escrow account can be refunded to the user according to the refund request of the payment agent server 200. [

The second bank server 400 is a server of the bank in the second country in which the ATM 500 operates. The second bank server 500 may control the ATM 500 to withdraw the currency of the second country and pay the user.

The second bank server 400 transmits and receives exchange information and user information for the ATM exchange service to the payment agent server 200. The second bank server 400 may receive user information, a withdrawal request amount, and a withdrawal approval request signal from the ATM 500. The second bank server 400 communicates with the payment agent server 200 responsible for the payment agent service used by the user based on the corresponding user information to authenticate the user and accept the withdrawal approval for the withdrawal request amount Lt; / RTI > If the withdrawal approval for the requested withdrawal amount is approved by the settlement proxy server 200 with approval for the corresponding user, the withdrawal amount can be withdrawn and the ATM 500 can be instructed to pay the withdrawal amount to the user.

The second bank server 400 can request the remittance to the settlement proxy server 200 after determining the amount of money corresponding to the withdrawn amount after withdrawing and dispensing the requested amount of withdrawal through the ATM 500. [ Thereafter, when the corresponding amount of the charged amount is remitted from the first bank server 300 through arbitration of the settlement proxy server 200, a receiving and settlement procedure is performed.

Specifically, the second bank server 400 calculates a total amount of money for an arbitrary user at the ATM to determine a charge amount. Daily totals may include principal and fees. The second bank server 400 determines the calculated daily total amount as a charged amount and requests the settlement proxy server 200 to settle the charged amount.

The ATM 500 stores the currency of the second country and can dispense the second national currency of the amount requested to be withdrawn to the user under the control of the second bank server 400 and pay it.

The ATM 500 implements a program for executing an ATM exchange service, and includes a menu for executing a program. The ATM 500 can display a menu for executing an ATM exchange service on the screen. When the menu for executing the ATM exchange service is selected, the ATM 500 can receive the user information and the withdrawal request amount. The ATM 500 transmits the input user information and the withdrawal request amount to the second bank server 400, and issues an approval request for authentication and withdrawal of the corresponding user information.

When the ATM 500 receives the withdrawal approval signal from the second bank server 400, the ATM 500 withdraws the requested amount to the user and provides the withdrawal amount to the user.

2 is a diagram for explaining an ATM exchange service method using an information terminal according to an embodiment of the present invention.

Referring to FIG. 2, the information terminal 100 executes an application program for an ATM exchange service according to a user's operation (S1) for an ATM exchange service using an information terminal according to an embodiment of the present invention.

The payment proxy server 200 receives the exchange charge charging request from the information terminal 100 of the user (S2). The exchange charge charging request can be performed by executing an application program for the ATM exchange service installed in the information terminal 100. [

The settlement proxy server 200 performs the exchange charge charging procedure to the escrow account established in the first bank server 300 according to the exchange charge charge request (S3). In other words, the settlement proxy server 200 performs a deposit procedure from the account of the user who has made the request for the money exchange charge to the escrow account predetermined in advance.

To this end, the payment agent server 200 may open an escrow account in the first bank server 300 according to the service usage agreement with the users using the payment agent service. The opening of an escrow account may be performed in advance or may be performed upon request for a currency exchange charge.

Accordingly, the user can access the settlement proxy server 200 through the information terminal 100 and charge the exchange rate of the amount he / she wants to use with his / her own currency. The money paid by the user is deposited as escrow to the settlement bank.

The information terminal 100 executes an application installed in the information terminal 100 at the request of the user and transmits withdrawal approval request information for withdrawal of money in the ATM 500 to the payment agency server 200 at step S4.

The informing terminal 100 receives the withdrawal approval number from the settlement proxy server 200 as withdrawal approval information (S5). The information terminal 100 can display the withdrawal approval number received from the payment agent server 200 on the screen.

When the menu for executing the ATM exchange service is selected, the ATM 500 receives the withdrawal approval number and the withdrawal request amount from the user (S6).

The ATM 500 transmits the input withdrawal approval number and the withdrawal request amount to the second bank server 400 to request authentication and withdrawal approval for the withdrawal approval number (S7).

The second bank server 400 communicates with the payment agent server 200 that is in charge of the payment agent service used by the user based on the corresponding withdrawal approval number received from the ATM 500, And transmits the requested withdrawal amount and requests authentication of the user and withdrawal approval (S8).

The settlement proxy server 200 inquires the user information based on the withdrawal approval number, the withdrawal request amount, and the withdrawal approval request signal received from the second bank server 400, inquires the charging price information of the user, (S9), the withdrawal approval signal is sent to the second bank server 400 so that the withdrawal request amount is withdrawn and paid out.

The second bank server 400 transmits a withdrawal approval signal to the ATM 500 to withdraw and pay the corresponding amount if the withdrawal approval is granted with the approval of the corresponding user from the payment agent server 200 at step S10.

The ATM 500 receives the withdrawal approval signal from the second bank server 400 and withdraws the corresponding amount to the user (S11).

3 is a view for explaining an ATM exchange service method using an information terminal according to another embodiment of the present invention.

Referring to FIG. 3, in step S21, the information terminal 100 executes an application program for an ATM exchange service according to a user's operation for an ATM exchange service using an information terminal according to an embodiment of the present invention.

The payment proxy server 200 receives the exchange charge charging request from the information terminal 100 of the user (S22). The exchange charge charging request can be performed by executing an application program for the ATM exchange service installed in the information terminal 100. [

The settlement proxy server 200 performs the exchange charge charging procedure to the escrow account opened in the first bank server 300 according to the exchange charge charge request (S23). In other words, the settlement proxy server 200 performs a deposit procedure from the account of the user who has made the request for the money exchange charge to the escrow account predetermined in advance.

To this end, the payment agent server 200 may open an escrow account in the first bank server 300 according to the service usage agreement with the users using the payment agent service. The opening of an escrow account may be performed in advance or may be performed upon request for a currency exchange charge.

Accordingly, the user can access the settlement proxy server 200 through the information terminal 100 and charge the exchange rate of the amount he / she wants to use with his / her own currency. The money paid by the user is deposited as escrow to the settlement bank.

When the information providing terminal 100 executes an application installed in the information terminal 100 in response to a request from a user and requests withdrawal of the exchange call from the ATM 500, the informing terminal 100 transmits withdrawal approval request information to the payment agency server 200 (S24).

The information terminal 100 receives the QR code as withdrawal approval information from the payment proxy server 200 (S25). The information terminal 100 can display the QR code or barcode received from the payment agent server 200 on the screen.

When the menu for executing the ATM exchange service is selected, the ATM 500 receives the QR code or bar code from the user through the QR code reader or the bar code reader, and receives the withdrawal request amount (S26).

The ATM 500 transmits the recognized QR code or bar code and the withdrawal request amount to the second bank server 400 through the QR code reader or the bar code reader to request authentication and withdrawal approval to the corresponding QR code or bar code ).

The second bank server 400 communicates with the payment agent server 200 in charge of the payment agent service that the user is using based on the corresponding QR code or barcode received from the ATM 500 to generate a QR code The barcode and the requested amount of money to be withdrawn, and requests authentication of the user and withdrawal approval (S28).

The payment agency server 200 inquires the user information based on the QR code or the bar code, the withdrawal request amount and the withdrawal approval request signal received from the second bank server 400, inquires the charging price information of the user, The cash dispenser 200 sends a withdrawal approval signal to the second bank server 400 to withdraw the withdrawal request amount (S29).

The second bank server 400 transmits a withdrawal approval signal to the ATM 500 to withdraw and pay the corresponding amount if the payment is approved with the payment agent server 200 (S30).

The ATM 500 receives the withdrawal approval signal from the second bank server 400 and withdraws the corresponding amount to the user (S31).

4 is a diagram for explaining an ATM exchange service method using an information terminal according to another embodiment of the present invention.

Referring to FIG. 4, in step S41, the information terminal 100 executes an application program for an ATM exchange service according to an operation of a user for an ATM exchange service using an information terminal according to an embodiment of the present invention.

The payment proxy server 200 receives the exchange charge charging request from the information terminal 100 of the user (S42). The exchange charge charging request can be performed by executing an application program for the ATM exchange service installed in the information terminal 100. [

The settlement proxy server 200 performs the exchange charge charging procedure to the escrow account opened in the first bank server 300 according to the exchange charge charge request (S43). In other words, the settlement proxy server 200 performs a deposit procedure from the account of the user who has made the request for the money exchange charge to the escrow account predetermined in advance.

To this end, the payment agent server 200 may open an escrow account in the first bank server 300 according to the service usage agreement with the users using the payment agent service. The opening of an escrow account may be performed in advance or may be performed upon request for a currency exchange charge.

Accordingly, the user can access the settlement proxy server 200 through the information terminal 100 and charge the exchange rate of the amount he / she wants to use with his / her own currency. The money paid by the user is deposited as escrow to the settlement bank.

The information terminal 100 receives the withdrawal approval number as withdrawal approval information from the payment agent server 200 (S44). The information terminal 100 can display the withdrawal approval number received from the payment agent server 200 on the screen.

When the menu for executing the ATM exchange service is selected, the ATM 500 receives the withdrawal approval number and the withdrawal request amount from the user (S45). At this time, the withdrawal approval number is the withdrawal approval number received from the payment agent server 200 by the information terminal 100 and displayed on the screen.

The ATM 500 transmits the input withdrawal approval number and the payment request amount to the second bank server 400, and requests withdrawal approval for the withdrawal authorization number and the withdrawal authorization amount (S46).

The second bank server 400 communicates with the payment agent server 200 that is in charge of the payment agent service used by the user based on the corresponding withdrawal approval number received from the ATM 500, And transmits the requested withdrawal amount and requests authentication of the user and withdrawal approval (S47).

The payment agency server 200 inquires the user information based on the withdrawal approval number, the withdrawal request amount and the withdrawal request signal received from the second bank server 400, inquires the charging price information of the user, (S48), the money is transferred to the second bank server 400 so that the money is paid out and paid out.

The second bank server 400 transmits a withdrawal approval signal to the ATM 500 so as to withdraw and pay the corresponding amount if the withdrawal approval is granted with the approval of the user from the payment agent server 200 (S49).

The ATM 500 receives the withdrawal approval signal from the second bank server 400, withdraws the withdrawal amount, and dispenses the withdrawal amount to the user (S50).

5 is a diagram for explaining an ATM exchange service method using an information terminal according to another embodiment of the present invention.

Referring to FIG. 5, in step S51, the information terminal 100 executes an application program for an ATM exchange service according to an operation of a user for an ATM exchange service using an information terminal according to an embodiment of the present invention.

The payment proxy server 200 receives the exchange charge charging request from the information terminal 100 of the user (S52). The exchange charge charging request can be performed by executing an application program for the ATM exchange service installed in the information terminal 100. [

The settlement proxy server 200 performs the exchange charge charging procedure to the escrow account opened in the first bank server 300 according to the exchange charge charge request (S53). In other words, the settlement proxy server 200 performs a deposit procedure from the account of the user who has made the request for the money exchange charge to the escrow account predetermined in advance.

To this end, the payment agent server 200 may open an escrow account in the first bank server 300 according to the service usage agreement with the users using the payment agent service. The opening of an escrow account may be performed in advance or may be performed upon request for a currency exchange charge.

Accordingly, the user can access the settlement proxy server 200 through the information terminal 100 and charge the exchange rate of the amount he / she wants to use with his / her own currency. The money paid by the user is deposited as escrow to the settlement bank.

The information terminal 100 receives the QR code as withdrawal approval information from the payment agent server 200 (S54). The information terminal 100 can display the QR code or barcode received from the payment agent server 200 on the screen.

When the menu for executing the ATM exchange service is selected, the ATM 500 receives the QR code or bar code from the user through the QR code reader or the bar code reader and receives the withdrawal request amount (S55).

The ATM 500 transmits the recognized QR code or bar code and the withdrawal request amount to the second bank server 400 through the QR code reader or the bar code reader and requests authentication and withdrawal approval to the corresponding QR code or bar code ).

The second bank server 400 communicates with the payment agent server 200 in charge of the payment agent service that the user is using based on the corresponding QR code or barcode received from the ATM 500 to generate a QR code The barcode and the requested amount of withdrawal, and requests approval of authentication and withdrawal from the user (S57).

The payment agency server 200 inquires the user information based on the QR code or the bar code, the withdrawal request amount and the withdrawal approval request signal received from the second bank server 400, inquires the charging price information of the user, If the withdrawal request amount exists, the withdrawal approval amount is transferred to the second bank server 400 so that the withdrawal amount can be withdrawn and paid (S58).

The second bank server 400 transmits a withdrawal approval signal to the ATM 500 to withdraw and pay the corresponding amount if the withdrawal approval is granted with the approval of the corresponding user from the payment agent server 200 (S59).

The ATM 500 receives the withdrawal approval signal from the second bank server 400 and withdraws the corresponding amount to the user for payment (S60).

In the embodiment of the present invention described above, the information terminal generates the QR code or the bar code, and the ATM reads the recognized QR code or bar code through the QR code reader or the bar code reader.

In another embodiment of the present invention, a QR code or a barcode is generated in the ATM, and the information terminal scans the corresponding QR code or bar code to perform authentication and withdrawal request or consent for withdrawal.

For example, when a menu for executing the ATM exchange service is selected, the ATM generates a QR code or a barcode through a QR code generator or a barcode generator, displays the barcode on a screen, and receives a withdrawal request amount from the user.

In addition, the information terminal transmits the recognized QR code or bar code and the withdrawal request amount to the second bank server through the QR code recognition function or the barcode recognition function, and requests the withdrawal approval for the corresponding QR code or bar code.

The second bank server receives a QR code or a bar code from the information terminal and communicates with a payment agency server that is in charge of the payment agent service used by the user based on the corresponding QR code or bar code received from the ATM, Code or barcode, and the amount of the withdrawal request, and requests authentication and withdrawal approval for the user.

The settlement proxy server inquires user information based on the QR code or the barcode received from the second bank server, the withdrawal request amount and the withdrawal approval request signal, inquires the charging price information of the user, And sends a withdrawal approval signal to the second bank server to withdraw the money amount and pay it out.

The second bank server transmits a withdrawal approval signal to the ATM to withdraw the payment amount and to pay the amount if the withdrawal approval is granted with the approval of the user from the payment agent server.

The ATM receives the withdrawal approval signal from the second bank server and withdraws the money to the user for payment.

As another example, when a menu for executing the ATM exchange service is selected, the ATM generates a QR code or a barcode through a QR code generator or a barcode generator, displays it on the screen, and receives a withdrawal request amount from the user.

In addition, the information terminal transmits the recognized QR code or bar code and the withdrawal request amount to the second bank server through the QR code recognition function or the barcode recognition function, and requests the withdrawal approval for the corresponding QR code or bar code.

Meanwhile, the ATM transmits the generated QR code or bar code and the withdrawal request amount to the second bank server to request withdrawal approval.

The second bank server receives a QR code or a bar code from the information terminal and communicates with a payment agency server that is in charge of the payment agent service used by the user based on the corresponding QR code or bar code received from the ATM, Code or barcode, and the amount of the withdrawal request, and requests authentication and withdrawal approval for the user.

The settlement proxy server inquires user information based on the QR code or the barcode received from the second bank server, the withdrawal request amount and the withdrawal approval request signal, inquires the charging price information of the user, And sends a withdrawal approval signal to the second bank server to withdraw the money amount and pay it out.

The second bank server transmits a withdrawal approval signal to the ATM to withdraw the payment amount and to pay the amount if the withdrawal approval is granted with the approval of the user from the payment agent server.

The ATM receives the withdrawal approval signal from the second bank server and withdraws the money to the user for payment.

While the invention has been shown and described with reference to certain preferred embodiments thereof, it will be understood by those skilled in the art that various changes and modifications may be made without departing from the spirit and scope of the invention as defined by the appended claims. Accordingly, the true scope of the present invention should be determined by the following claims.

Claims (6)

delete delete delete delete Performing a currency exchange charging procedure in an escrow account opened in a first bank server in response to a currency exchange charging request by the payment agency server in a currency of the first country;
Displaying the QR code or barcode on the screen;
The information terminal scans the QR code or the barcode and transmits withdrawal approval request information for the scanned QR code or barcode and the exchange service in the ATM to the payment agent server at the request of the user; And
Receiving the withdrawal approval information from the settlement proxy server, receiving the withdrawal request amount from the user, withdrawing the withdrawal request amount in a currency of the second country, and paying the money, .
Performing a currency exchange charging procedure in an escrow account opened in a first bank server in response to a currency exchange charging request by the payment agency server in a currency of the first country;
Generating a QR code or a barcode using a QR code generator or a barcode generator and displaying the generated QR code or barcode on a screen when a menu for executing ATM exchange service is selected;
The information terminal transmits a QR code or bar code recognized from the screen of the ATM through the QR code recognition function or the barcode recognition function and a withdrawal request amount to the second bank server and requests withdrawal approval for the corresponding QR code or bar code ;
Sending the generated QR code or bar code and the withdrawal request amount to the second bank server to request withdrawal approval;
The second bank server receives a QR code or a bar code from the information terminal and communicates with a payment agent server that is in charge of a payment agent service used by the user based on the corresponding QR code or bar code received from the ATM Transmitting a QR code or bar code and a requested amount of withdrawal, and requesting authentication and withdrawal approval for the user; And
Receiving the withdrawal approval information from the settlement proxy server, receiving the withdrawal request amount from the user, withdrawing the withdrawal request amount in the currency of the second country, and paying the withdrawal request amount.

Images