KR20070078248A - Automated machine of borrowing money on security of gift certificate - Google Patents

Abstract

An automated machine for borrowing money on security of a gift certificate is provided to transfer the loaned money to an account by connecting an ATM(Automated Teller Machine) through an LAN(Local Area Network). An automated machine for borrowing money on security of a gift certificate is composed of a gift certificate reading unit(405) receiving the gift certificate and reading information of the gift certificate; an identification information reading unit(406) receiving an identity authentication medium of a user who has the gift certificate, and reading the identification information; a secured loan interest database(409) setting the available interest of a secured loan for each gift certificate; a secured loan detail database(410) updating and storing details of the secured loan if a loan on security of the gift certificate succeeds; a pawn ticket printing unit(407) printing secured loan details on a pawn ticket and providing the pawn ticket to the user; a communication unit(404) transmitting information about the gift certificate and identity of the user to an external authentication server to authenticate the user and the gift certificate; a gift certificate storing box storing the gift certificate if a secured loan succeeds; and a control unit(400) having an algorism for performing authentication of the gift certificate and the user by controlling each unit and then transferring the loaned money to an account or giving money in cash.

Description

Automated Machine of borrowing money on security of gift certificate}

1 and 2 is a state diagram showing a gift voucher loan automation system according to an embodiment of the present invention.

Figure 3 is an external perspective view of a gift voucher loan automation device according to an embodiment of the present invention.

Figure 4 is a block diagram of the internal configuration of the automated gift voucher loans according to an embodiment of the present invention.

5 is a diagram showing the front and back of the gift certificate.

6 and 7 are a flow chart illustrating a security loan process of a gift voucher loan automation device according to an embodiment of the present invention.

* Description of the symbols for the main parts of the drawings *

400: control unit 401: key input unit

402: display unit 403: banknote withdrawal unit

404: communication unit 405: gift certificate reading unit

406: identification information reading section 407: pouch printing section

408: gift voucher 409: mortgage interest rate DB

410: mortgage history DB

The present invention relates to a gift voucher loan automated device for processing a gift voucher loan and an operation method thereof, characterized in that the amount of the security loan is transferred to the account or cash payment after performing a predetermined authentication by receiving the secured voucher.

In general, there are two types of gift certificates in the market. One is a company-issued gift certificate, such as a department store voucher or a shoe voucher, which is a means of promoting its brand and attracting customers to increase sales. The other is a third-party issuance type gift certificate such as a book culture gift certificate or a national tourism gift certificate, and is freely available to consumers at various companies (hereinafter referred to as "merchants") affiliated to allow the gift certificate issuer to use its gift certificate. As described above, a gift certificate (a company-issued gift certificate or a third-party issue-type gift certificate) has a function of a bond for purchasing a predetermined product, and thus may play a role of a security. Therefore, the actual transactions such as trading, resale, transfer of the gift certificate is frequently made.

In particular, in recent years, mortgage loan transactions in which a predetermined amount is loaned using the gift certificate as collateral have been frequently performed. That is, a gift voucher mortgage transaction is frequently performed in which a customer holding a gift voucher visits a pawn shop and receives a certain collateral loan using his voucher as a collateral. Briefly explaining the process of collateral loan of the gift certificate, a customer holding a gift certificate visits the pawn shop in order to receive a secured loan with the gift certificate as collateral, together with the gift certificate owned by him, the identity information (customer's address, name, social security number, occupation, Age, etc.), the pensioner checks the customer's identity information and records the identity information, pension contract date, items, quantity, and pawn characteristics in the pension book. Pay the amount. At the time of payment of the security loan amount, the security voucher information, the mortgage interest rate, the interest calculation method, the mortgage, etc., are provided with a procedure for providing the customer with the specified slip.

However, the above-described conventional method of loaning a gift certificate has the following problem.

First, pawn pimps need to check the gift certificate to determine whether to secure a mortgage. However, when there is a forgery of gift vouchers, it is difficult to determine it.

Second, since the loan of a gift voucher for a real-time security loan must be made offline between a pawn pimp and a customer, the pawn pimp had to be always in a pawn shop for 24 hours.

Third, there was a risk of being stolen or extortioned by an impure person when the gift voucher loan was successful and the amount of the mortgage loan was directly paid in cash.

The present invention has been made to solve the above problems, it is an object of the present invention to propose a gift voucher loan automated device that performs a security loan processing using a gift certificate. In addition, the object of the present invention is to prevent the theft of the amount of the mortgage loan by allowing the transfer of funds to the corresponding security loan amount using the automatic gift voucher loan automated device.

In order to achieve the above object, the present invention provides a gift certificate reading unit for receiving a gift certificate and reading the gift certificate information of the gift certificate, an identity information reading unit for reading the identification information of the gift certificate holder, and for each gift certificate. A mortgage loan rate database that sets a mortgage interest rate that can be secured, a mortgage details database that updates and stores the mortgage details when the gift certificate is secured, and a mortgage that is secured as a collateral. The pouch print section for printing the details and providing them to the gift certificate holder, the communication unit for transmitting the gift certificate information and identity information to an external authentication server for authentication of the gift certificate and the gift certificate holder, and the gift certificate as collateral Successful Loan of a Gift Certificate And a gift certificate library, a control unit having a wire transfer or algorithms to perform the payment is made for the control parts of the respective functions, and the gift certificate gift certificate mortgage loan to perform authentication for the gift certificate holder to hold the gift certificate.

In addition, the present invention receives the identification authentication medium from the customer to receive a gift voucher loan, the process of reading the identification information of the customer, and transmits the read identification information to the authentication server connected to an external communication network to allow the authentication server to identify A process of performing information authentication, a process of reading the gift certificate information of the corresponding gift certificate by receiving a gift certificate to be secured when the identification information authentication is successful, and transmitting the read gift certificate information to the authentication server to perform the authentication. A process of causing a server to perform a gift certificate information authentication, a process of calculating and displaying a collateral loan that can be collateralized with the gift certificate if the gift certificate information authentication is successful, and a process of selecting a security loan payment method from the customer If the payment method is bank transfer Receives a deposit account from the customer and transfers the security loan amount to the corresponding deposit account, and if the payment method is cash payment, the process of disbursing and paying the collateral loan amount in cash bills, and the details of the security loan of the gift certificate. Updating the information stored in a predetermined mortgage details database, and printing the mortgage details of the gift certificate on a predetermined pension slip and providing them to the customer.

Hereinafter, the detailed description of the preferred embodiments of the present invention will be described with reference to the accompanying drawings. In the following description of the reference numerals to the components of the drawings it should be noted that the same reference numerals as possible even if displayed on different drawings. In addition, in describing the present invention, when it is determined that a detailed description of a related known function or configuration may unnecessarily obscure the subject matter of the present invention, the detailed description thereof will be omitted. In addition, terms to be described below are terms defined in consideration of functions in the present invention, which may vary according to general practices of those belonging to the technical field of the present invention, and the definitions should be made based on the contents throughout the present specification.

1 is a view showing a state of the gift voucher loan automation system according to an embodiment of the present invention.

Referring to FIG. 1, the gift voucher loan automation device 100 receives a gift voucher, performs authentication on the voucher, and performs a function to secure a certain amount of collateral for the voucher. 3 shows an external perspective view of the automated gift voucher loaning device 100, a customer who wants to receive the gift voucher loan, injects his voucher into the gift voucher entrance 304 and sends his identity information to the identity information input device 303. When inputted, the gift voucher loan automated device is discharged (or transferred to the account) through the banknote withdrawal unit 302 after providing a predetermined amount of secured loans to the customer. In addition, the details of the mortgage is printed on the pension table and discharged through the pawn table discharge port (301).

The authentication operation is to verify the authenticity of the gift certificate, the identity of the person who applied for a gift voucher loan, the gift voucher loan automated device transmits the read gift certificate information and identity information to the authentication server 120 of FIG. Verify identity information. The authentication server 120 has an identity information authentication unit 121 and a gift certificate authentication unit 122 therein to determine the authenticity of the certificate server 120 based on the gift certificate information and the identity information received from the automated gift voucher loan. The identity information authentication means 121 has individual personal information and individual credit information provided from the Financial Supervisory Service, and the gift certificate authentication means 122 frequently updates unique codes, price information, etc. of gift certificates issued by respective distributors. Take it and save it.

Referring to FIG. 1, the identity information authentication unit 121 and the gift certificate authentication unit 122 are implemented and operated in the authentication server 120. As another embodiment of the present invention, as shown in FIG. The authentication operation may be performed in the identity information authentication server 201 and the gift certificate authentication servers 202a, 202b, and 202n connected to the external communication network. That is, when the gift certificate secured loan automatic device 200 transmits the received identity information and gift certificate information to the authentication server 220, the authentication server is the identity information certificate server 201 and gift certificate certificate server (202a, 202b, 202n) ) Can be performed. For example, the authentication server 220 requests authentication to the identity information authentication server 201, such as the Financial Supervisory Service server, to authenticate the identity of the customer based on the identification information received from the automated gift voucher loan automated device. It is to request the gift certificate authentication to the server (202a, 202b, 202n) of the gift voucher issuing the role of gift voucher authentication server to find out the unique code of the gift voucher from the information.

When the authentication is successfully made under the structure of FIGS. 1 and 2, the authentication server 120, 220 transmits an authentication success message to the gift voucher loan automation device 100, 200, and the received gift voucher loan automation device receives the corresponding gift certificate. As a collateral, a predetermined collateral loan amount is provided to the customer.

Meanwhile, a manager computer 110 such as a personal computer is connected to the voucher loan automation device through serial communication, LAN communication, etc., in order to effectively perform maintenance of the pawn pledger automation device.

Figure 4 is a block diagram of the internal configuration of the automatic gift voucher loan automation device according to an embodiment of the present invention.

The voucher loan automation device is an input UI (User Interface) implemented as a keypad or a touch screen type touch input panel composed of a plurality of numeric keys and function keys, and is required from a person who wants to receive a loan using the voucher automation device. A key input unit 401 for receiving information, a display unit 402 which is a display UI made of a liquid crystal display device such as an LCD, a banknote stack unit and a shutter, and a banknote dispensing unit for discharging banknotes loaned out of mortgage loans. ).

In addition, the automated gift voucher loan machine is a communication unit 404, gift voucher reader 405, identity information reader 406, pouch print section 407, gift voucher deposit box 408, mortgage loan rate database 409, mortgage loan A history database 410 and a control unit 400 are provided, which will be described in detail.

The communication unit 404 is an interface 404 for communicating with an external authentication server as a local area network (LAN), a metropolitan area network (MAN), and a wide area network (WAN). It performs an interface with a Packet Switched Data Network (PSDN). The communication unit transmits the read identification information and gift certificate information to the authentication server, and receives the authentication result.

The gift certificate reading unit 405 is a function for reading the information of the gift certificate received through the gift certificate inlet 304, and performs a function of reading the machine character in which the information of the gift certificate is recorded. Generally, vouchers are printed on the surface with machine characters such as bar-codes, optical characters, and magnetic ink characters, which are unique codes of the vouchers and types of vouchers. Voucher information, such as a voucher price, is recorded. Therefore, the gift certificate reader may be implemented by a reading means such as a barcode reader, an optical character reader (OCR), a magnetic ink character reader (MICR), or the like.

For example, when magnetic ink characters are recorded on the surface of a gift certificate as a machine character, the gift certificate reader implemented by the magnetic ink character reader reads the magnetic ink characters (MICR characters) by sliding the gift certificate with respect to the magnetic head. The gift certificate information, which has been interpreted and converted into numerical data, is transmitted to the control unit. Similarly, when the barcode 501, which is a combination of bar lines having different thicknesses, is recorded as shown in FIG. 5, the gift certificate reader 405 implemented as a barcode reader exerts light on the barcode to reflect the intensity of light. According to the present invention, the gift certificate information generated by generating an electronic signal and converted into numerical data is transmitted to the controller. On the other hand, the gift certificate reader 405 performs a function that can detect the physical forgery of the gift certificate, for example, if the forgery identification means such as forgery prevention tag, watermark, etc. are recorded in the gift certificate, it is determined The authenticity of the gift certificate is transmitted to the control unit.

The identity information reading unit 406 is a function unit for receiving identity authentication media (identification card, fingerprint information, iris information) of the person who is to receive the gift certificate loan, and obtaining identity information from the identification authentication medium. It may be implemented by various identification information reading means such as. For example, when the identification information reading unit 406 is implemented as an identification card scanner, the identification card is scanned to read a name, a social security number, an address, an identification card issuance date, and a photograph on the identification card. Recognizing character information such as name, resident registration number, address, ID card issuance date by scanning an ID card is possible using a conventionally known scan character recognition method. On the other hand, the identification information reading unit 406 may also perform the function of discriminating whether the physical forgery, such as identification card, for example, by reading the hologram (hologram) of the identification card can determine whether the physical forgery of the identification card.

The pension ticket printing unit 407 prints a predetermined pawn mortgage transaction details as a pawn table when the voucher loan is successfully secured. The pouch table is printed with the collateral voucher information, the mortgage interest rate, the interest calculation method, and the mortgage. .

The gift voucher storage box 408 is a cassette box for storing the vouchers received when the voucher collateral transaction is successfully made, the pawn poucher is often reeled out by storing the vouchers stored in the voucher.

The mortgage interest rate database 409 is a database storing mortgage interest rates due to mortgage loans by gift certificate type and amount. The embodiments are described in the following Table.

TABLE 1

Gift certificate type Gift certificate amount Mortgage interest rate (loan interest) Mortgage Shoe vouchers 50,000 won ticket 10% (5,000 won) 45,000 won 100,000 won 15% (15,000 won) 85,000 won 150,000 won ticket 20% (KRW 30,000) 120,000 won ... ... ... ... ... ... ... ... ... Book gift certificate 5,000 won ticket 4% (200 won) 4,800 won 10,000 won 5% (500 won) 9,500 won Two thousand won 6% (1,200 won) 18,800 won ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ...

Since gift certificates vary in value depending on their type, they are stored in a mortgage rate database with different mortgage rates. For example, in the case of a shoe voucher, the value of the mortgage loan is not high because of discount sale of the shoe voucher, and a high value mortgage rate of 10% or more is applied. The one-digit rate is applied. In addition, each gift certificate has a different mortgage interest rate for each gift certificate price, which applies a high rate of mortgage loan rate in the case of a high value gift certificate.

The collateral loan history database 410 is a database that stores the collateral loan history when the collateral loan is successfully made. The mortgage loan details database stores a gift certificate unique code, a gift certificate type and price, a gift certificate issuer, a mortgage interest rate, a mortgage amount, a mortgage period, and the like. .

The control unit 400 includes an algorithm for controlling each of the functional blocks under OS operation, calculating a mortgage loan value according to the value of the security gift voucher, and providing the corresponding amount to the customer in cash or wire transfer. It demonstrates with FIG.

6 and 7 are flowcharts illustrating a process in which a gift voucher loan is made by using a gift voucher loan automated device according to an embodiment of the present invention.

The customer who wants to receive the security loan using the gift certificate must receive the identity verification, and for this purpose, the user's ID card is input to the identity information input unit of the automatic gift certificate security loan device 100 (S602). The identity information reading unit 406 of the automated gift voucher loaning device having received the identification card scans the identification card (S604). The voucher loan automated device 100 that scans the identification card determines whether the identification card is forged or not. The forgery determination is to read whether the forgery of the physical ID of the forgery prevention tag of the identification card. If there is no physical forgery of the identification card by the forgery determination, the identification information of the corresponding customer is acquired from the scanned identification card (S608). The identification information includes information such as name, photo, social security number, fingerprint, address, and date of identification issued on the identification card. Meanwhile, in another embodiment of the present invention, in addition to the identification card, the fingerprint, iris information, etc. of the customer may be acquired and used to obtain the identification information.

After the identification information is acquired as described above, the acquired identification information is transmitted to the authentication server 120 (S610). The authentication server 120 authenticates the identity using the received identity information (S612). The identity authentication may be implemented using an identity authentication means provided in the authentication server, or identity authentication may be performed by contacting an identity authentication server connected to an external communication network.

In the case of the authentication failure as a result of the authentication, the authentication authentication failure message is transmitted to the automatic gift voucher loan automation device (S614), and the received gift voucher loan automation device displays that the identity authentication has failed and terminates the gift voucher security loan transaction ( S616). On the other hand. If the identity authentication result is successful authentication, the identity authentication success message is transmitted to the gift certificate collateral loan automated device (100) (S618).

After receiving the authentication success message, the gift voucher loan automation device 100 receives the gift voucher from the customer (S620), reads the text (S622), and then discriminates physically forgery of the voucher (S624). The physical gift forgery determination of the gift certificate may determine whether the forgery is forgery by looking at a forgery prevention tag, a watermark, or the like of the gift certificate. Thereafter, machine letters of the gift certificates such as barcodes, optical characters (OC) and magnetic characters (MIC) of the gift certificates are read to obtain gift certificate information (unique codes, types of gift certificates, gift certificate prices, etc.) (S626). The acquired gift certificate information is transmitted to the authentication server (S628), the gift certificate authentication is performed (S630). Voucher authentication in the authentication server may be performed by voucher authentication means in the authentication server or by inquiring each voucher issuer connected to an external communication network to authenticate the voucher.

If the authentication failure of the gift certificate authentication result, the gift certificate authentication failure message is transmitted to the automatic gift voucher loan automated device (S632), and receiving the gift certificate secured loan automation device 100 displays that the gift certificate authentication has failed and the gift voucher loan transaction End (S634). On the other hand, if the gift certificate authentication is successful, and transmits the gift certificate authentication success message to the automated gift voucher loan (S636). Receiving the gift certificate authentication success message, the gift voucher loan automated device calculates and displays a collateral loan amount secured by the corresponding gift voucher (S638). The calculation is based on the mortgage interest rate database as shown in Table 1 above, and the mortgage is calculated by applying different rates according to the type of the gift certificate and the price of the gift certificate.

After calculating / displaying the mortgage loan amount, a payment method (S640) is selected from the customer as to whether to pay by bank transfer or cash payment. When the customer selects a bank transfer (S642), the customer receives an input of a deposit account (S644) and performs a bank transfer of the security loan amount from the pawn pledger's account (withdrawal account) to the customer's deposit account (S646). The bank transfer transfers the deposit account, the withdrawal account, and the transfer amount to the financial host server of the financial institution. On the other hand, if the customer wants to pay cash rather than account transfer, the corresponding cash banknotes are counted and discharged through the bank withdrawal unit (S648).

When the bank transfer or cash payment for the collateral loan amount is completed as described above, the operation to update the collateral loan history with the gift certificate as collateral in the collateral loan history database (S650). That is, it records the gift certificate unique code, gift certificate type and price, gift certificate issuer, mortgage loan rate, mortgage loan amount, mortgage loan period, etc. in the mortgage loan details database. Allow for review. In addition, the gift voucher loan automated device prints the details of the mortgage loan on the pouch to discharge (S652) to allow the customer to receive it.

Meanwhile, the embodiment of the present invention described with reference to FIGS. 6 and 7 will be described by way of example as an example of an apparatus in which a gift voucher loan automated device can also perform account transfer or cash payment. However, as another embodiment of the present invention, the automatic gift voucher loaning device can obtain only the gift voucher information and identity information, the account transfer or cash payment can be implemented using a separate financial automated device. That is, only identity information authentication and gift certificate authentication may be performed in a gift voucher loan automated device, and the transfer or cash payment of the security loan amount may be implemented using a conventional financial automation device (for example, an ATM). Therefore, when the automatic voucher loan automation device is connected to a predetermined financial automation device by LAN network, when the identification information authentication and the gift voucher authentication are successfully completed, the automatic teller machine is notified of the successful authentication along with the collateral loan amount. The automated teller machine receives the deposit account, etc. from the customer and performs the transfer or cash payment on the informed loan amount.

In the above description of the present invention has been described with respect to specific embodiments, such as automated gift voucher loans, various modifications can be carried out without departing from the scope of the invention. Therefore, the scope of the present invention is not to be determined by the embodiments described above, but will be apparent in the claims as well as equivalent scope.

As described above, the present invention has an effect of automating the gift voucher loan by allowing the gift voucher loan to be made by using the automatic gift voucher loan automated device. In addition, by transferring the loan amount loaned to the gift certificate, there is an effect that can prevent accidents such as theft.

Claims (13)

A gift certificate reader which receives a gift certificate and reads the gift certificate information of the gift certificate; An identity information reading unit which receives the identification authentication medium of the gift certificate holder and reads the identification information; A mortgage interest rate database that sets mortgage interest rates for each gift certificate; A collateral loan history database for updating and storing the collateral loan history when the voucher secured by the gift certificate is secured; A pouch print section for printing the details of collateral loans secured by the gift certificates and providing them to the gift certificate holders; A communication unit for transmitting the gift certificate information and the identity information to an external authentication server in order to perform authentication on the gift certificate and the gift certificate holder; A gift voucher deposit box for storing the gift voucher when the gift voucher loan is successfully secured using the voucher; A control unit having an algorithm for controlling the respective functional units to perform authentication of the gift certificate and the gift certificate holder and to perform an account transfer or cash payment for the security of the gift certificate collateral; Automated gift voucher loans equipped with. According to claim 1, wherein the gift certificate information is recorded as a machine letter on the surface of the gift certificate, the machine character, characterized in that the automated gift voucher loans characterized in that it comprises a bar code, optical characters, magnetic ink characters. According to claim 1, wherein the gift voucher reader further comprises a means for determining whether or not physically forgery of the gift voucher received. 2. The automated gift voucher loan apparatus of claim 1, further comprising means for determining whether or not a physical forgery of the received identification medium is forged. The apparatus of claim 1 or claim 4, wherein the identification authentication medium comprises an identification card, fingerprint information, and iris information. According to claim 1, wherein the mortgage lending rate, voucher mortgage automation device, characterized in that each is set differently for each voucher price. According to claim 1, wherein the mortgage details, gift certificate unique code, gift certificate type and price, gift certificate issuer, mortgage loan rate, mortgage amount, mortgage loan period, characterized in that the automated loan security equipment. 2. The gift voucher loan as claimed in claim 1, wherein the authentication server includes an identity information authentication means for authenticating the received identity information and a gift certificate authentication means for authenticating the received gift certificate information. Automation device. The apparatus of claim 1, wherein the authentication server performs authentication using the separate authentication means connected to the external communication network with the received identification information and the gift certificate information. According to claim 1, wherein the account transfer or cash payment automated gift voucher, characterized in that performed in a separate automated teller machine. The automated gift voucher loan automated machine of claim 1, wherein a pawn shop owner computer is connected to the automated gift voucher loan automation device to perform management and maintenance of the gift voucher loan automated device. Reading the identification information of the customer by receiving an identification medium from the customer who wants to secure the gift voucher loan; Transmitting the read identification information to an authentication server connected to an external communication network so that the authentication server performs identification information authentication; When the identification information is successfully verified, receiving a gift certificate to be secured and reading the gift certificate information of the gift certificate; Transmitting the read gift certificate information to the authentication server so that the authentication server performs authentication of the gift certificate information; If the gift certificate information authentication is successful, the process of calculating and displaying the collateral loans that can be secured by the corresponding gift certificate; Receiving a security loan payment method from the customer; If the payment method is a bank transfer, receives the deposit account from the customer and transfers the collateral loan to the corresponding deposit account; if the payment method is cash payment, discharging and paying the collateral loan in cash bills; , Updating the mortgage details of the gift certificate and storing them in a predetermined mortgage history database; The process of printing the details of the secured loan of the gift certificate on a predetermined pension table and providing it to the customer Gift voucher mortgage loan method using the automated equipment. 13. The method of claim 12, wherein if the identification information and the gift certificate information authentication fail, the authentication failure is displayed and the gift voucher loan transaction is terminated.

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