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1. (WO2017090786) SYSTEM AND METHOD FOR ATM CASH WITHDRAWAL SERVICE INTEGRATED WITH AFFILIATE POINTS
Latest bibliographic data on file with the International Bureau

Pub. No.: WO/2017/090786 International Application No.: PCT/KR2015/012600
Publication Date: 01.06.2017 International Filing Date: 23.11.2015
IPC:
G06Q 40/02 (2012.01) ,G06Q 20/18 (2012.01)
G PHYSICS
06
COMPUTING; CALCULATING; COUNTING
Q
DATA PROCESSING SYSTEMS OR METHODS, SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES, NOT OTHERWISE PROVIDED FOR
40
Finance; Insurance; Tax strategies; Processing of corporate or income taxes
02
Banking, e.g. interest calculation, credit approval, mortgages, home banking or on-line banking
G PHYSICS
06
COMPUTING; CALCULATING; COUNTING
Q
DATA PROCESSING SYSTEMS OR METHODS, SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES, NOT OTHERWISE PROVIDED FOR
20
Payment architectures, schemes or protocols
08
Payment architectures
18
involving self-service terminals [SSTs], vending machines, kiosks or multimedia terminals
Applicants:
주식회사 하나은행 KEB HANA BANK [KR/KR]; 서울시 중구 을지로 66 66, Eulji-ro Jung-gu Seoul 04538, KR
하나카드 주식회사 HANACARD [KR/KR]; 서울시 중구 남대문로9길 24 24, Namdaemun-ro 9-gil Jung-gu Seoul 04522, KR
하나금융투자(주) HANA FINANCIAL INVESTMENT [KR/KR]; 서울시 영등포구 의사당대로 82 82, Uisadang-daero Yeongdeungpo-gu Seoul 07321, KR
하나캐피탈 주식회사 HANA CAPITAL CO., LTD. [KR/KR]; 서울시 강남구 테헤란로 126, 13층 F13, 126, Teheran-ro Gangnam-gu Seoul 06234, KR
하나생명보험 주식회사 HANA LIFE INSURANCE [KR/KR]; 서울시 중구 서소문로 89-31 89-31, Seosomun-ro Jung-gu Seoul 04516, KR
주식회사 하나저축은행 HANA SAVINGS BANK [KR/KR]; 서울시 종로구 종로 293 293, Jong-ro Jongno-gu Seoul 03106, KR
Inventors:
한준성 HAN, Jun-Seong; KR
이승훈 LEE, Seung-Hoon; KR
황규진 HWANG, Kyu-Jin; KR
허유성 HUH, Yoo-Sung; KR
양경식 YANG, Kyung-Shik; KR
조계원 CHO, Kye-Won; KR
박재인 PARK, Jae-In; KR
김동원 KIM, Dong-Won; KR
Agent:
특허법인 명인 MI PATENT & LAW FIRM; 서울시 강남구 테헤란로4길 45 5층 5F, 45, Teheran-ro 4-gil Gangnam-gu Seoul 06240, KR
Priority Data:
Title (EN) SYSTEM AND METHOD FOR ATM CASH WITHDRAWAL SERVICE INTEGRATED WITH AFFILIATE POINTS
(FR) SYSTÈME ET PROCÉDÉ POUR UN SERVICE DE RETRAIT D'ESPÈCE PAR ATM INTÉGRÉ À DES POINTS D'AFFILIÉ
(KO) 제휴 포인트 통합 ATM 현금 인출 서비스 시스템 및 방법
Abstract:
(EN) The present invention relates to a system and a method for an ATM cash withdrawal service integrated with affiliate points, the method for an ATM cash withdrawal service integrated with affiliate points according to one embodiment of the present invention comprising the steps of: receiving, from a user terminal, a request for generation of an authentication number needed for withdrawing membership points as cash from an ATM; generating the authentication number in response to the authentication number generation request and transmitting to the user terminal; an automatic cash withdrawal apparatus receiving, from a user, the authentication number and point cash withdrawal information comprising a point cash withdrawal amount; the automatic cash withdrawal apparatus transmitting the point cash withdrawal information entered by the user to a bank server; the bank server transmitting, to the automatic cash withdrawal apparatus, the result of point cash withdrawal authentication on the basis of the point cash withdrawal information; and the automatic cash withdrawal apparatus withdrawing cash corresponding to the point withdrawal amount.
(FR) La présente invention concerne un système et un procédé pour un service de retrait d'espèce de guichet automatique bancaire (ATM) intégré à des points d'affilié, le procédé pour un service de retrait d'espèce d'ATM intégré à des points d'affilié selon un mode de réalisation de la présente invention comprenant les étapes consistant : à recevoir, à partir d'un terminal d'utilisateur, une requête de génération d'un numéro d'authentification nécessaire pour retirer des points d'adhésion sous la forme d'espèce à partir d'un ATM; à générer le numéro d'authentification en réponse à la requête de génération de numéro d'authentification et le transmettre au terminal d'utilisateur; un appareil de retrait d'espèce automatique reçoit, à partir d'un utilisateur, le numéro d'authentification et des informations de retrait d'espèce de point comprenant un montant de retrait d'espèce de point; l'appareil de retrait d'espèce automatique transmet les informations de retrait d'espèce de point entrées par l'utilisateur à un serveur bancaire; le serveur bancaire transmet, à l'appareil de retrait d'espèce automatique, le résultat d'authentification de retrait d'espèce de point sur la base des informations de retrait d'espèce de point; et l'appareil de retrait d'espèce automatique retire de l'espèce correspondant au montant de retrait de point.
(KO) 본 발명은 제휴 포인트 통합 ATM 현금 인출 서비스 시스템 및 방법에 관한 것으로, 본 발명의 한 실시예에 따른 제휴 포인트 통합 ATM 현금 인출 서비스 방법은 사용자 단말로부터 멤버십 포인트를 ATM 현금 인출하기 위해 필요한 인증 번호 생성을 요청받는 단계, 인증 번호 생성 요청에 따라 인증 번호를 생성하여 사용자 단말에 전송하는 단계, 현금 자동 출금 장치가 사용자로부터 인증 번호와 포인트 현금 출금액을 포함하는 포인트 현금 출금 정보를 입력받는 단계, 현금 자동 출금 장치가 사용자로부터 입력된 포인트 현금 출금 정보를 은행 서버에 전송하는 단계, 은행 서버가 포인트 현금 출금 정보에 기초한 포인트 현금 출금 승인 결과를 현금 자동 출금 장치에 전송하는 단계, 그리고 현금 자동 출금 장치가 포인트 출금액에 대응하는 현금을 출금하는 단계를 포함한다.
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Designated States: AE, AG, AL, AM, AO, AT, AU, AZ, BA, BB, BG, BH, BN, BR, BW, BY, BZ, CA, CH, CL, CN, CO, CR, CU, CZ, DE, DK, DM, DO, DZ, EC, EE, EG, ES, FI, GB, GD, GE, GH, GM, GT, HN, HR, HU, ID, IL, IN, IR, IS, JP, KE, KG, KN, KP, KR, KZ, LA, LC, LK, LR, LS, LU, LY, MA, MD, ME, MG, MK, MN, MW, MX, MY, MZ, NA, NG, NI, NO, NZ, OM, PA, PE, PG, PH, PL, PT, QA, RO, RS, RU, RW, SA, SC, SD, SE, SG, SK, SL, SM, ST, SV, SY, TH, TJ, TM, TN, TR, TT, TZ, UA, UG, US, UZ, VC, VN, ZA, ZM, ZW
African Regional Intellectual Property Organization (ARIPO) (BW, GH, GM, KE, LR, LS, MW, MZ, NA, RW, SD, SL, ST, SZ, TZ, UG, ZM, ZW)
Eurasian Patent Organization (AM, AZ, BY, KG, KZ, RU, TJ, TM)
European Patent Office (AL, AT, BE, BG, CH, CY, CZ, DE, DK, EE, ES, FI, FR, GB, GR, HR, HU, IE, IS, IT, LT, LU, LV, MC, MK, MT, NL, NO, PL, PT, RO, RS, SE, SI, SK, SM, TR)
African Intellectual Property Organization (BF, BJ, CF, CG, CI, CM, GA, GN, GQ, GW, KM, ML, MR, NE, SN, TD, TG)
Publication Language: Korean (KO)
Filing Language: Korean (KO)