Automated teller machine having access point and method for providing financial service using the same

• US 20060089893A1
• Filed: 06/06/2005
• Published: 04/27/2006
• Est. Priority Date: 10/22/2004
• Status: Abandoned Application

• Current Assignee: Electronics and Telecommunications Research Institute
• Original Assignee: Electronics and Telecommunications Research Institute
• Inventors: Kim, Doo Hyun, Joseph, Vinod Cherian, Lee, Kyung Hee, Ahn, Sung Ho
• Application Number:
  US11/145,660
• Publication Number:
  US 20060089893A1
• Time in Patent Office: Days
• US Class Current: 705/35
• CPC Class Codes: G06Q 20/1085 involving automatic teller machines [ATMs]
• CPC Class Codes: G06Q 20/18 involving self-service terminals [SST], vending machines, kiosks or multimedia terminals
• CPC Class Codes: G06Q 20/3672 initialising or reloading thereof
• CPC Class Codes: G06Q 40/00 Finance; Insurance; Tax strategies; Processing of corporate or income taxes
• CPC Class Codes: G07F 19/20 Automatic teller machines [ATMs]
• CPC Class Codes: G07F 19/211 Software architecture within ATMs or in relation to the ATM network
• CPC Class Codes: H04L 63/0853 using an additional device, e.g. smartcard, SIM or a different communication terminal cryptographic mechanisms or cryptographic arrangements for entity authentication involving additional secure or trusted devices H04L9/3234
• CPC Class Codes: H04W 12/062 Pre-authentication
• CPC Class Codes: H04W 12/068 using credential vaults, e.g. password manager applications or one time password [OTP] applications
• CPC Class Codes: H04W 76/10 Connection setup
• CPC Class Codes: H04W 80/00 Wireless network protocols or protocol adaptations to wireless operation
• CPC Class Codes: H04W 88/08 Access point devices

Abstract

An automated teller machine (ATM) having a wireless network access apparatus and a method for providing financial services using the ATM are provided. The ATM includes a user interface unit, a first financial processing unit, a first network access unit, a second network access unit, and a second financial service unit. The user interface unit performs data communication with a storage medium on which information is recorded, and outputs information to a user through an output apparatus. The first financial processing unit provides financial services including account inquiry, deposit, and withdrawal, by performing data communication processes with a recognized storage medium. The first network access unit is connected to an ATM network connected to a financial institution server, transmits data obtained as a result of performing financial services, to the financial institution server, and receives processed data from the financial institution server. The second network access unit is connected to an access point establishing a communication path for a wireless communication terminal of the user traveling in a predetermined communication area, and activating wireless communication. The second financial service unit performs data communication with the wireless communication terminal of the user through the access point, and provides at least one or more of financial services, digital token delivery service, and V2oIP service.

Claims

1. An automated teller machine (ATM) having a wireless communication network access apparatus comprising:

an interface unit performing data communication with a storage medium capable of recording and reading data by any one of electricity and magnetism and providing a unit outputting information to a user through an information output apparatus;

a first financial processing unit providing financial services including account inquiry, deposit, and withdrawal, by performing data communication processes with a recognized storage medium;

a first network access unit connected to an ATM network connected to a financial institution server, transmitting data obtained as a result of the first financial processing unit performing the financial services, to the financial institution server, receiving processed data from the financial institution server and transferring the data to the first financial processing unit;

a second network access unit connected to an access point establishing a communication path for a wireless communication terminal of the user traveling in a predetermined communication area, and activating wireless communication; and

a second financial service unit performing data communication with the wireless communication terminal of the user through the access point connected to the second network access unit, and providing at least one or more of the financial services, a delivery service of a digital token capable of buying goods and services, and a video and voice over IP (V2oIP) service including public Internet access.

2. The ATM of claim 1, wherein the first financial processing unit comprises:

a basic service processing unit performing the data communication process with the storage medium recognized through the user interface unit, and providing financial services including account inquiry, deposit, and withdrawal; and

an additional service processing unit printing and outputting the digital token according to selection of the user who makes the storage medium recognized.

3. The ATM of claim 1, wherein a digital identification (ID) unique to the user is allocated to the digital token and the digital token is a hash token controlled by public authentication.

4. The ATM of claim 1, wherein the V2oIP service includes at least one of public Internet access, Internet telephone, financial service customer management, public conference service, multimedia integration and text messaging, and is provided by using SIP on the V2oIP stack.

5. The ATM of claim 1, wherein the digital token provided by the second financial service unit is used in restaurants and shops located in a place where the access point is installed, and recognized and verified by a token reader disposed in the restaurants and shops.

6. The ATM of claim 1, wherein if a wireless communication terminal of the user is sensed in the communication area of the access point, the access point activates a mobile agent installed in the sensed wireless communication apparatus of the user, and the mobile agent outputs a list of services provided by the second financial service unit.

7. A method for providing financial services by using an ATM installed in a public place including a shopping mall and providing financial services including account inquiry, deposit and withdrawal, the method comprising:

sensing a wireless communication terminal of a user traveling in the communication area of an access point disposed in the ATM;

activating a mobile agent installed in the sensed wireless communication terminal of the user, and asking the user through the wireless communication terminal whether or not the user requests a digital token capable of buying goods and services; and

if a message requesting to deliver the digital token from the wireless communication of the user is received, transmitting a digital token corresponding to the user to the wireless communication terminal of the user.

8. The method of claim 7, wherein a digital ID unique to the user is allocated to the digital token and the digital token is a hash token controlled by public authentication.

9. The method of claim 7, further comprising:

in response to the user'"'"'s request providing to the wireless communication terminal a V2oIP service including at least one of public Internet access, Internet telephone, financial service customer management, public conference service, multimedia integration and text messaging, and provided by using SIP on the V2oIP stack.

10. The method of claim 7, wherein the digital token is used in restaurants and shops located in a place where the access point is installed, and recognized and verified by a token reader disposed in the restaurants and shops.