CN104112229A - Transaction information interaction apparatus, system and method - Google Patents
Transaction information interaction apparatus, system and method Download PDFInfo
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- CN104112229A CN104112229A CN201410251492.1A CN201410251492A CN104112229A CN 104112229 A CN104112229 A CN 104112229A CN 201410251492 A CN201410251492 A CN 201410251492A CN 104112229 A CN104112229 A CN 104112229A
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Abstract
The invention provides a transaction information interaction apparatus, system and method. The apparatus comprises an information interaction module for interaction operation of transaction information with a user during a transaction process, a password input module for the user to input a transaction password in the transaction process, a service evaluation module for the user to carry out service evaluation after a transaction is finished, and an intercom module for providing an intercom interface in the transaction process. According to the invention, through using the transaction information interaction apparatus in a bank counter transaction, the user can see important transaction information synchronously and makes sure that the transaction is an expression of his own will in the service transacting process, and the transaction information is checked by the user and is submitted by the user himself, such that the accuracy and security of the bank counter transaction are effectively improved; at the same time, multiple devices at a bank counter are integrated, such that the equipment application and maintenance cost is saved, and the operation experience of a client and the tidiness of the counter are improved.
Description
Technical field
The present invention relates to data processing field, in particular to a kind of Transaction Information interactive device, system and method.
Background technology
At present, in bank outlets, cabinet face is handled every business, by teller, replace client to complete all operations, comprise and start transaction, entry information, cross-check information authenticity and submit transaction etc. to, only element of transaction is printed on bookkeeping voucher to the confirmation of signing by client after transaction completes.Adopt existing business operation flow process, client can not see the details of own transacting business, must teller and client's communication link will be increased, strengthen thus the possibility of maloperation, when teller's typing Transaction Information and client's actual demand are when inconsistent, because client can't see transaction details, in Transaction Success and print receipt and sign while confirming and just find that transaction content does not meet demand by client.And now, Transaction Information has submitted to main frame to keep accounts, if teller's input error, Transaction Information cannot be changed.This is by the possibility that directly impact is handed over easy-operating accuracy and caused economic loss to client.In addition, for the risk case of part teller violation operation, be also to utilize client in the unwitting situation of Transaction Information mostly, deceive the method that client repeatedly inputs password and gain client password by cheating, misappropriation of a client's deposit.For taking precautions against this class risk case, allow client to implementing supervision in process of exchange, guarantee that transaction is the expression of himself wish, need be optimized transformation to transaction flow, before transaction completes, add Transaction Information to return in real time aobvious, and Transaction Information is checked and the important operation link in person submitted to by client.
Simultaneously, existing bank outlets cabinet face equipment has comprised code keypad equipment, satisfaction evaluation equipment, talk back equipment etc., if increase again the equipment of other auxiliary transaction, by the quantity that causes cabinet face traction equipment increase, line upkeep is complicated, client operates inconvenience and affect the problems such as cabinet face is neat.In order to address these problems, be badly in need of a kind of can be by the integrated traction equipment of above-mentioned functions.
Summary of the invention
For solving the problems of the technologies described above, the invention provides a kind of Transaction Information interactive device, system and method, client can synchronously see important accounts information and Transaction Information, in business handling process, guarantee that transaction is the expression of himself wish, accounts information and Transaction Information are checked by client and are in person submitted to, have effectively promoted accuracy and the security of bank's cabinet face transactional services.Meanwhile, integrate the plurality of devices of bank's cabinet face, not only saved the operation and maintenance cost of equipment, and improved the attractive in appearance of client's operating experience and sales counter.
According to the first aspect of the embodiment of the present invention, a kind of Transaction Information interactive device is provided, described device comprises:
Information interaction module, for carrying out the interactive operation of Transaction Information at process of exchange with user;
Password Input module, for inputting trading password described process of exchange user;
Service evaluation module, carries out service evaluation for user after completing in described transaction; And
Intercommunication interface module, for providing intercommunication interface at described process of exchange.
According to the second aspect of the embodiment of the present invention, a kind of Transaction Information interactive system is provided, described system comprises:
Banking end, for sending Transaction Information to Transaction Information interactive device, receives and verifies password and the confirmation that described Transaction Information interactive device sends;
Transaction Information interactive device as above, completes with the information interaction of described banking end and operates at process of exchange for user.
According to the third aspect of the embodiment of the present invention, a kind of Transaction Information exchange method is provided, described method comprises the steps:
Step S1, teller is to banking end input Transaction Information;
Step S2, Transaction Information interactive device prompting user inputs password;
Step S3, described banking end is verified described password;
Step S4, teller is sent to described Transaction Information interactive device by the described Transaction Information of the described banking end of input;
Step S5, the described Transaction Information that user shows described Transaction Information interactive device is confirmed and submits to.
Implement a kind of Transaction Information interactive device, system and method that the embodiment of the present invention provides, have the following advantages:
1) user can synchronously see important Transaction Information, in business handling process, guarantees that transaction is the expression of himself wish, and Transaction Information is checked by user and in person submitted to, has effectively promoted accuracy and the security of bank's cabinet face transaction;
2) integrate the plurality of devices of bank's cabinet face, not only saved the operation and maintenance cost of equipment, and improved the attractive in appearance of client's operating experience and sales counter.
Accompanying drawing explanation
Fig. 1 is the structural representation of a kind of Transaction Information interactive device of the present invention;
Fig. 2 is the embodiment of a kind of Transaction Information interactive device of the present invention;
Fig. 3 is the structural representation of the module of information interaction described in apparatus of the present invention 100;
Fig. 4 is the structural representation of a kind of dynamic password authentication system of the present invention;
Fig. 5 is the process flow diagram of a kind of dynamic password authentication method of the present invention.
Embodiment
For making object, technical scheme and the advantage of embodiments of the invention clearer, below in conjunction with accompanying drawing, the present invention is described in further detail.
Fig. 1 is the structural representation of a kind of Transaction Information interactive device 20 of the present invention.Referring to Fig. 1, this device comprises:
Information interaction module 100, for carrying out the interactive operation of Transaction Information at process of exchange with user.This information interaction module 100 comprises LCDs, and it is for showing Transaction Information to be verified and option information (as: option etc. is submitted in Account Transaction History or confirmation to) to user.
Password Input module 200, for inputting trading password described process of exchange user.This Password Input module 200 comprises keyboard region, and this keyboard region is for user's Data Enter (as: input password etc.).
Service evaluation module 300, carries out service satisfaction evaluation for user after completing in transaction.This service evaluation module 300 can cooperate with equipment such as display screen and keyboard region, and (1 is very satisfied to user, to provide transactional services satisfaction evaluation option; 2 are satisfied in the main; 3 is dissatisfied), by user's selection, feed back, obtain service satisfaction feedback information.
Intercommunication interface module 400, for providing intercommunication interface at described process of exchange.This intercommunication interface module 400 comprises the two-way intercommunication mouth of real-time transmission, in process of exchange, provides teller and user's intercommunication interface, holds concurrently as the voice message delivery outlet of other modules of Transaction Information interactive device 20 simultaneously.
In addition, described Transaction Information interactive device 20 can also optionally comprise with lower module:
Advertisement playing module, for playing pre-stored advertising message (comprising bank financial product advertisement etc.) in the nontransaction period in described interactive screen.
Questionnaire module, for showing pre-stored questionnaire information and receive the survey feedback information that user returns in described interactive screen in the nontransaction period.As mentioned above, can cooperate with the equipment such as display screen and keyboard region, to user investigation questionnaire information and investigation option, by user's selection, feed back, obtain questionnaire feedback information.
Fig. 2 is the embodiment of a kind of dynamic password apparatus of the present invention.Known referring to Fig. 2: this device can be a hardware unit, and its underlying hardware and parameter are as follows: CPU:S3C2416, dominant frequency 400MHZ; Internal memory: 64M DDR2; Storage: 256M Flash (can support 1G Flash) etc.This device adopts built-in Linux operating system, points out customized development software, can expand types of functionality according to practical business demand, and embedded html parser, can resolve HTML message body, support this locality or remote update resource or application program, support telemanagement; Can also, according to driving interface specification that driving file is provided, support remote download to upgrade and inquiry.Meanwhile, this device also has extensive interface, supports USB and SD card to upgrade application and resource, and has reserved a SD deck that has sealing.In addition, on this device support existing equipment, expand fingerprint instrument, IC-card Card Reader, China second-generation identity card reading, the first-class equipment of making a video recording.And this installs good complete machine stability, the mean free error time is greater than 10000 hours, under the environment of-10 ℃ to 50 ℃ and humidity 90%RH, can guarantee normal startup and work.
The embodiment of a kind of Transaction Information interactive device shown in Fig. 2, described device mainly comprises: display screen 21, keyboard region 22, intercommunication interface 23 and watching shield cover 24.LCDs 21 can be a kind of LCDs of tangible induction, comprise following parameters hardware: four-wire resistance type touch screen, single-point is greater than 1,000,000 times, 6 cun to 9 cun screen sizes, the quality of colour of 16 true color, 800*480 resolution, is not less than 165cd/m2 brightness, be not less than 400:1 contrast, sight line and screen angle are greater than the visual range within the scope of 30 degree.This display screen 21 not only can be to user's simultaneous display Transaction Information to be verified and option information (as: option etc. is submitted in Account Transaction History or confirmation to), can also for user, tap the option input message of display screen, improve to greatest extent the user experience of input message.Keyboard region 22 is for user, to input the physical button of password and option, simultaneously, corresponding protruding braille can also be set on each physical button, to facilitate the operation of the information such as blind users input password, this keyboard region adopts high abrasion plastic parts and hardware encipher mode, support DES/3DES algorithm, and can expand as required other encryption devices.Intercommunication interface 23 support voice are to the loudspeaker of making peace, and this device has also been reserved standard audio interface for connecting intercom simultaneously.Watching shield cover 24 has the design of peep-proof film, and peep-proof angle is less than 30 degree.
Fig. 3 is the structural representation of information interaction module 100 described in device 20 of the present invention.Referring to Fig. 3, this module comprises:
MIM message input module 101, inputs password for user according to the Transaction Information of banking end input.User can input password in keyboard region according to voice message, and after Password Input completes, banking end is verified the password of input, and password authentification is by prompting is re-entered, and password authentification is by carrying out next step.
Information display module 102, for receiving and show the described Transaction Information of described banking end transmission.User can synchronously see on display screen that banking end sends Transaction Information, if user requires to revise described Transaction Information, return to refusal and submit the request of described transaction to, described banking end is sent to described information display module 102 again by amended Transaction Information.
Validation of information module 103, confirms and submits to described Transaction Information for user.The described Transaction Information that user can show described Transaction Information interactive device by keyboard region " confirmation " button is confirmed; After user confirms, described Transaction Information interactive device 20 sends transaction to banking end and submits instruction to; Banking termination is received and is carried out described transaction and submits instruction to, closing the transaction after submission command operating completes.
In addition, after closing the transaction, user can select whether to print transaction papery strip, if user needs, informs that teller operates printing transaction papery strip, if user does not need, completes whole transaction operations.
Fig. 4 is the structural representation of a kind of Transaction Information interactive system of the present invention.Referring to Fig. 4, described system comprises:
Banking end 10, for sending Transaction Information to Transaction Information interactive device, receives and verifies password and the confirmation that described Transaction Information interactive device sends.This banking end is operated by teller, the visual plant of Shi Yu bank total system main frame and 20 direct correlation of Transaction Information interactive device.
Transaction Information interactive device 20 as above, completes with the information interaction of described banking end and operates at process of exchange for user.User can synchronously see important Transaction Information, in business handling process, guarantees that transaction is the expression of himself wish, and Transaction Information is checked by user and in person submitted to, has effectively promoted accuracy and the security of bank's cabinet face transaction.
Fig. 5 is the process flow diagram of a kind of Transaction Information exchange method of the present invention; Referring to Fig. 5, described method comprises the steps:
Step S1, teller is to banking end input Transaction Information;
Step S2, Transaction Information interactive device prompting user inputs password;
Step S3, described banking end is verified described password;
Step S4, teller is sent to described Transaction Information interactive device by the described Transaction Information of the described banking end of input;
Step S5, the described Transaction Information that user shows described Transaction Information interactive device is confirmed and submits to.
In embodiments of the present invention, described step S4 further comprises the steps:
Step S41, teller is sent to described Transaction Information interactive device by the described Transaction Information of the described banking end of input;
Step S42, described Transaction Information interactive device receives and shows described Transaction Information;
Step S43, if user requires to revise described Transaction Information, by described Transaction Information interactive device, to described banking end, return to the request that refusal is submitted described transaction to, described banking end is sent to described Transaction Information interactive device again by amended Transaction Information.
In embodiments of the present invention, the further following steps of described step S5:
Step S51, the described Transaction Information that user shows described Transaction Information interactive device is confirmed;
Step S52, described Transaction Information interactive device sends transaction to banking end and submits instruction to;
Step S53, banking termination is received and is carried out described transaction and submits instruction to.
In embodiments of the present invention, after described step S53, also comprise the steps:
Step S54, shows questionnaire by described Transaction Information interactive device to user, receives and store the survey feedback information that user returns;
Step S55, by described Transaction Information interactive device to user's broadcast advertisement information (comprising bank financial product advertisement etc.).
Through the above description of the embodiments, those skilled in the art can be well understood to the present invention and can realize by the mode of software combined with hardware platform, can certainly all by hardware, implement.Understanding based on such, what technical scheme of the present invention contributed to background technology can embody with the form of software product in whole or in part, this computer software product can be stored in storage medium, as ROM/RAM, magnetic disc, CD etc., comprise that some instructions are with so that a computer equipment (can be personal computer, server, or the network equipment etc.) carry out the method described in some part of each embodiment of the present invention or embodiment.
Above disclosed is only the preferred embodiments of the present invention; certainly can not limit protection scope of the present invention with this; therefore the equivalent variations of according to the instruction of the claims in the present invention, above-described embodiment being done, still belongs in the scope that the claims in the present invention contain.
Claims (10)
1. a Transaction Information interactive device, is characterized in that, described device comprises:
Information interaction module, for carrying out the interactive operation of Transaction Information at process of exchange with user;
Password Input module, for inputting trading password described process of exchange user;
Service evaluation module, carries out service evaluation for user after completing in described transaction; And
Intercommunication interface module, for providing intercommunication interface at described process of exchange.
2. install as claimed in claim 1, it is characterized in that, described information interaction module comprises:
MIM message input module, inputs password for user according to the described Transaction Information of banking end input;
Information display module, for receiving and show the described Transaction Information of described banking end transmission;
Validation of information module, confirms and submits to described Transaction Information for user.
3. device described in claim 1, is characterized in that, described information interaction module also comprises:
Interactive screen, for show described Transaction Information to user, and receives the feedback information that user touches described interactive screen input.
4. install as claimed in claim 1, it is characterized in that, described Password Input module comprises:
Keyboard region, it has the physical button that user inputs described trading password and option; Or
Braille input field, it has the braille projection button of blind users input password and option.
5. install as claimed in claim 1, it is characterized in that, described device also comprises:
Advertisement playing module, for playing pre-stored advertising message in the nontransaction period in described interactive screen;
Questionnaire module, for showing pre-stored questionnaire information and receive the survey feedback information that user returns in described interactive screen in the nontransaction period.
6. a Transaction Information interactive system, is characterized in that, described system comprises:
Banking end, for sending Transaction Information to Transaction Information interactive device, receives and verifies password and the confirmation that described Transaction Information interactive device sends;
Transaction Information interactive device as described in claim 1 to 5 any one, completes with the information interaction of described banking end and operates at process of exchange for user.
7. a Transaction Information exchange method, is characterized in that, described method comprises the steps:
Step S1, teller is to banking end input Transaction Information;
Step S2, Transaction Information interactive device prompting user inputs password;
Step S3, described banking end is verified described password;
Step S4, teller is sent to described Transaction Information interactive device by the described Transaction Information of the described banking end of input;
Step S5, the described Transaction Information that user shows described Transaction Information interactive device is confirmed and submits to.
8. method as claimed in claim 7, is characterized in that, described step S4 also comprises the steps:
Step S41, teller is sent to described Transaction Information interactive device by the described Transaction Information of the described banking end of input;
Step S42, described Transaction Information interactive device receives and shows described Transaction Information;
Step S43, if user requires to revise described Transaction Information, by described Transaction Information interactive device, to described banking end, return to the request that refusal is submitted described transaction to, described banking end is sent to described Transaction Information interactive device again by amended Transaction Information.
9. method as claimed in claim 7, is characterized in that, described step S5 also comprises the steps:
Step S51, the described Transaction Information that user shows described Transaction Information interactive device is confirmed;
Step S52, described Transaction Information interactive device sends transaction to banking end and submits instruction to;
Step S53, banking termination is received and is carried out described transaction and submits instruction to.
10. method as claimed in claim 9, is characterized in that, after described step S53, also comprises the steps:
Step S54, shows questionnaire by described Transaction Information interactive device to user, receives and store the survey feedback information that user returns;
Step S55, by described Transaction Information interactive device to user's broadcast advertisement information.
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| Application Number | Priority Date | Filing Date | Title |
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| CN201410251492.1A CN104112229A (en) | 2014-06-09 | 2014-06-09 | Transaction information interaction apparatus, system and method |
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| CN201410251492.1A CN104112229A (en) | 2014-06-09 | 2014-06-09 | Transaction information interaction apparatus, system and method |
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| CN104112229A true CN104112229A (en) | 2014-10-22 |
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| CN201410251492.1A Pending CN104112229A (en) | 2014-06-09 | 2014-06-09 | Transaction information interaction apparatus, system and method |
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Cited By (2)
| Publication number | Priority date | Publication date | Assignee | Title |
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| CN109074569A (en) * | 2016-04-25 | 2018-12-21 | 维萨国际服务协会 | The system for executing electronic transaction for visual impairment user |
| CN110348704A (en) * | 2019-06-25 | 2019-10-18 | 阿里巴巴集团控股有限公司 | Risk Identification Method, apparatus and system |
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| CN101383067A (en) * | 2008-10-17 | 2009-03-11 | 中国建设银行股份有限公司 | Bank counter transaction process implementing method, transaction system and customer terminal |
| CN201780635U (en) * | 2010-07-14 | 2011-03-30 | 中国工商银行股份有限公司 | Bank trading terminal |
| US20120290476A1 (en) * | 2010-01-19 | 2012-11-15 | Seung Hun Yoo | Online information input and financial transaction system using the personal identification media, methods to input information online and conduct financial transactions, and the storing media that stores the programs for the system |
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Patent Citations (3)
| Publication number | Priority date | Publication date | Assignee | Title |
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| CN101383067A (en) * | 2008-10-17 | 2009-03-11 | 中国建设银行股份有限公司 | Bank counter transaction process implementing method, transaction system and customer terminal |
| US20120290476A1 (en) * | 2010-01-19 | 2012-11-15 | Seung Hun Yoo | Online information input and financial transaction system using the personal identification media, methods to input information online and conduct financial transactions, and the storing media that stores the programs for the system |
| CN201780635U (en) * | 2010-07-14 | 2011-03-30 | 中国工商银行股份有限公司 | Bank trading terminal |
Cited By (2)
| Publication number | Priority date | Publication date | Assignee | Title |
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| CN109074569A (en) * | 2016-04-25 | 2018-12-21 | 维萨国际服务协会 | The system for executing electronic transaction for visual impairment user |
| CN110348704A (en) * | 2019-06-25 | 2019-10-18 | 阿里巴巴集团控股有限公司 | Risk Identification Method, apparatus and system |
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