CN104680671A - Banking business handling system and banking business handling method - Google Patents
Banking business handling system and banking business handling method Download PDFInfo
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- CN104680671A CN104680671A CN201510073139.3A CN201510073139A CN104680671A CN 104680671 A CN104680671 A CN 104680671A CN 201510073139 A CN201510073139 A CN 201510073139A CN 104680671 A CN104680671 A CN 104680671A
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Abstract
The invention provides a banking business handling system and a banking business handling method. The banking business handling system comprises an electronic counter, a device for handling banking business, and a mobile terminal, wherein the mobile terminal is connected with the electronic counter through a network, and is used for controlling start and stop, register and login, business process monitoring and business process authorization of the electronic counter; the mobile terminal comprises a remote control unit, an information checking and verification unit and an information confirmation unit, wherein the remote control unit is used for remotely controlling the state and stop of the electronic counter; the information checking and verification unit is used for checking and verifying whether banking business information input into the electronic counter is correct or not, and feeding back error items to the electronic counter; the information confirmation unit is used for confirming the business information, and feeding back a confirmation signal to the electronic counter. The banking business handling method comprises the following steps of remotely starting the electronic counter through the mobile terminal; reading certificate card information through a card reading device to perform security verification; entering a banking business system of the electronic counter, selecting a business type, and inputting the business information; checking and verifying the business information.
Description
Technical field
The present invention relates to banking equipment field, more specifically, relate to a kind of intelligent system and the method for handling bank's front-end business.
Background technology
Current people's processes financial business, due to the requirement according to banking industry supervision, partial service must artificial treatment, and therefore self-help bank can only meet a small amount of demand, and most of business still needs to handle to bank outlets, the at substantial time.And the single cabinet that faces that bank adopts is man-to-man service mode, teller need do a large amount of back works on the one hand, also needs on the other hand to wait for the query that is single, answer client of filling out of client.Many in client's number, in teller or a limited number of situation of sales counter, cause teller's working pressure large, inefficiency, the custom queueing time significantly increases.
Current bank sales counter is to the identification of bill, document by artificial cognition simultaneously, and recognition time is long, and error rate is higher.
Bank counter equipment is mainly simple function equipment or realizes the equipment of a small amount of Function Integration Mechanism in addition, as host cryptographic keyboard, reader device, scanner, high bat instrument, display etc.These peripherals are all monomers, and put messy in existing bank counter existence, not neatly, take up room huge phenomenon.
Summary of the invention
The present invention is to solve the above-mentioned technical matters that exists in prior art and making, and its object is to provide a kind of multiple functional, easy to operate and system and method for self-service handling bank business.
According to an aspect of the present invention, a kind of banking is provided to handle system, comprise electronics sales counter, for the device of client's handling bank business, wherein, described banking is handled system and is also comprised mobile terminal, it is connected with electronic housing described in or multiple stage by network, open and close, registration for controlling described electronics sales counter log in, business process monitoring and operation flow mandate, comprising: remote control unit, for the opening and closing of remotely controlled electronically sales counter; Information check unit, whether correct for the banking information of checking the input of electronics sales counter, error items is fed back to electronics sales counter; Information confirmation unit, for confirming the bank information that electronics sales counter inputs, and feeds back to electronics sales counter by confirmation signal.
According to another aspect of the present invention, provide a kind of banking to handle method, comprising: open one or more electronics sales counter by mobile terminal remote, complete the registration of electronics sales counter in bank server and log in; By the voucher card information that the reader device reading client of electronics sales counter provides, and voucher card password is verified; Enter electronics sales counter banking system, select type of service, input needs the banking information handled, wherein, electronics sales counter banking system comprises the banking system of automatic teller machine and self-help charger, also comprises applying for card, report the loss, closing an account and changing money four banking systems; The banking information of input is sent to mobile terminal by electronics sales counter, and information check unit is checked the banking information that electronics sales counter inputs; If the banking information of electronics sales counter input is correct, bank cashier is checked banking information, is confirmed by information confirmation unit, confirmation signal is fed back to electronics sales counter, self-servicely completes banking; If the banking information mistake of electronics sales counter input, feeds back to electronics sales counter, modify to error items by error items, until input banking information is correct.
Banking of the present invention is handled system and method and is had the following advantages:
(1) employing business is self-service accepts the pattern combined with artificial assistance and mandate, reduces the processing time of the banking needing artificial treatment;
(2) make a bank cashier be several customer service simultaneously, improve the work efficiency of teller;
(3) the multiple automatic service processing module provided by electronics sales counter carries out business processing, improves speed and the accuracy of business processing.
(4) reduce sales counter volume, conserve space, makes the sales counter neat and tidy of bank, realizes the integration of bank counter office;
Accompanying drawing explanation
By reference to the content below in conjunction with the description of the drawings and claims, other object of the present invention and result will be understood and easy to understand more.In the accompanying drawings:
Fig. 1 is the formation block diagram that banking of the present invention handles system;
Fig. 2 is the formation block diagram of electronics sales counter according to a second embodiment of the present invention;
Fig. 3 shows the process flow diagram that banking of the present invention handles method;
Fig. 4 shows and adopts banking of the present invention to handle the process flow diagram that system handles bank card or credit card method;
Fig. 5 shows and adopts banking of the present invention to handle the method flow diagram that system handles the business of closing an account;
Fig. 6 shows and adopts banking of the present invention to handle the method flow diagram that system handles the business of reporting the loss;
Fig. 7 shows and adopts banking of the present invention to handle the method flow diagram that system handles foreign currency exchange business.
Label identical in all of the figs indicates similar or corresponding feature or function.
Embodiment
In the following description, for purposes of illustration, in order to provide the complete understanding to one or more embodiment, many details have been set forth.But, clearly, also these embodiments can be realized when there is no these details.In other example, one or more embodiment for convenience of description, known structure and equipment illustrate in block form an.
Come below with reference to accompanying drawings to be described in detail each embodiment according to the present invention.
First embodiment
Fig. 1 is the formation block diagram that banking of the present invention handles system, and as shown in the figure, described banking acquiring apparatus comprises:
Electronics sales counter 100, for the device of client's handling bank business, the automatic teller machine of such as bank and fee payment service self-aided terminal etc.;
Mobile terminal 200, be connected with electronics sales counter 100 described in or multiple stage by network, open and close, registration for controlling described electronics sales counter 100 log in, business process monitoring and operation flow mandate, comprise: remote control unit 210, for the opening and closing of remotely controlled electronically sales counter; Information check unit 220, whether correct for the banking information of checking the input of electronics sales counter, error items is fed back to electronics sales counter; Information confirmation unit 230, for confirming the bank information that electronics sales counter inputs, and feeds back to electronics sales counter by confirmation signal.
In order to easy to carry, preferably, mobile terminal is mobile phone or panel computer.
In addition, preferably, described mobile terminal also comprises identity recognizing unit, for identifying the identity information of the bank cashier using this mobile terminal, and this identity information is added in banking information, such as, by scanning the job number identification bank cashier of employee job card, this job number is added in banking information.
Second embodiment
Fig. 2 is the formation block diagram of electronics sales counter according to a second embodiment of the present invention, and as shown in the figure, described electronics sales counter 100 comprises:
Display device 110, for showing the operation interface of banking system, such as touch-screen, liquid crystal display etc.;
Operational order input media 120, comprise in touch screen, Encryption Keyboard, keyboard, mouse, trace ball and Trackpad one or more, wherein, be preferably Encryption Keyboard, when client uses keyboard operation, keyboard driver loads automatically, then keyboard driver is utilized to be encrypted the keypad information that client inputs, thus the information of protection client not obtain by the key logging program of hacker, and then when preventing client by keyboard operation, the generation of the stolen situation of account number;
Reader device 130, comprise magnetic stripe, IC-card integrate reader device, contactless ic card card-reading devcie, non-contact ID card card-reading devcie and, one or more in magnetic stripe card card reader, for identifying bank card, credit card, bankbook or Bank bills;
Audio frequency and video interactive device 140, comprises camera and telephone receiver, or camera and microphone, or camera and earphone, for carrying out voice and video telephone with remote teller;
Safety device 150, one or more in involving vibrations sensor, entrance guard sensor, infrared sensor, monitoring camera and monitoring video machine;
Operation expanding unit 160, process for carrying out the specific transactions such as cash, bank money, receipt printing, authentication comprise cash processing module 161, image processing module 162, seal apparatus 163, one or more in identity information acquisition instrument 164 and printer 165, wherein, described cash processing module 161 is for process of depositing and withdrawing to cash, and the cash accepted is carried out to discriminating and the counting of the true and false, comprise spot assets, cash refund and cash loop module; Described image processing module 162 is for extracting the image of bank money, service handling list, bar code and process, image under white light, ultraviolet light and infrared light also can be provided for bank money, comprise one or more in high bat instrument, bar-code scanner, bill scanner and universal scan instrument; Described identity information acquisition instrument 164, for gathering the identity information of client's input, comprises one or more in identity card reader, fingerprint acquisition instrument, video acquisition instrument, audio collection instrument and iris capturing instrument; Described printer 165 comprise in strip printer, journal printer, bill printer and universal printer one or more; Seal apparatus 163 is for adding a cover banking official seal to service handling authority, comprise Patting type seal-affixing machine or tumbling-type seal-affixing machine, roller bearing is utilized to drive the motion of service handling authority, electromagnet or another one roller bearing is utilized to drive seal motion, when above-mentioned authority advances to assigned address, seal has rotated action of affixing one's seal.
Feature database 170, stores the identity information of bank client, comprises ID (identity number) card information, fingerprint, iris etc.;
Storage box 180, comprises deposit boxes 181, case 182 of withdrawing the money, file storage box 185, neocaine case 183 and useless card case 184;
Back-note feeder 1, is connected with the opening of storage box and case of withdrawing the money respectively, deposits and withdraw the money for user;
Document entrance 2, is connected with the opening of file storage box, entering and ejecting for Bank bills;
Control module 190, be connected with mobile terminal with bank server by network, send and receive silver-colored banking instruction, the each module of electronics sales counter is controlled according to above-mentioned instruction, can be computing machine, industrial computer etc., wherein, bank server is the server unit of bank, for the computing machine in management coordination and control bank and electronics sales counter.
Preferably, safety device 150 also comprises alarm module, for electronics sales counter fault alarm and security alarm;
In addition, preferably, in order to increase the security of banking, described cash processing module 161, image processing module 162 or seal apparatus 163 are provided with the safety cabinet being equipped with coded lock.
In addition, preferably, electronics sales counter 100 can not comprise feature database 170 and control module 190, and its function can be realized by bank server.
3rd embodiment
Fig. 3 shows the process flow diagram that banking of the present invention handles method, and as shown in the figure, described banking is handled method and comprised:
First, in step S300, bank cashier opens one or more electronics sales counter by mobile terminal remote, complete the registration of electronics sales counter in bank server to log in, such as, after unlocking electronic sales counter, electronics sales counter sends electronic housing station identification code to bank server, if consistent with the identification code in bank server, then register login and complete.
Electronics sales counter is registered after login completes in bank server, in step S310, the voucher card information that client provides is read by reader device 130, and security verification is carried out to the password of voucher card, wherein, described voucher card is the card that bank sends for proving accounts information or customer information, can take magnetic stripe card, IC-card, non-contact ID, contactless IC card etc.
After above-mentioned security verification, in step s 320, enter electronics sales counter banking system, select type of service, input banking information, wherein, electronics sales counter banking system comprises the banking system of automatic teller machine and self-help charger in prior art, also comprises applying for card, report the loss, closing an account and changing money four banking systems.
Then, in step S330, the banking information of input is sent to mobile terminal 200 by electronics sales counter 100;
In step S340, the banking information that information check unit 210 pairs of electronics sales counters 100 input is checked.
If the banking information of electronics sales counter input is correct, in step S350, bank cashier is checked banking information, is confirmed by information confirmation unit, confirmation signal is fed back to electronics sales counter, self-servicely completes banking;
If the banking information mistake of electronics sales counter input, in step S360, feeds back to electronics sales counter, modify to error items by error items, until input banking information is correct.
Preferably, in step S310, second time security verification was carried out before entering banking system, that is, gathered the identity information of client by described identity information acquisition instrument, then the identity information of pre-stored in the described identity information collected and feature database is compared, and then judge that whether the described identity information collected is correct, if incorrect, then exit voucher card, and process ends; If correctly, then continue follow-up flow process, wherein, described identity information comprises one or more in photo, identification card number, finger print and iris.
In addition, preferably, in step s 320, carry out business processing by audio frequency and video interactive system by bank cashier remote guide client or carry out service authorization.
4th embodiment
Fig. 4 shows and adopts banking of the present invention to handle the process flow diagram that system handles bank card or credit card method, as shown in the figure, described in handle bank card or credit card method comprises:
First, in step S400, at the main interface of banking system, selection is applied for card business, wherein, the main interface of banking system of automatic teller machine and self-help charger in the comprehensive prior art in the main interface of banking system of the present invention, also comprises and applies for card, reports the loss, closes an account and changing money four function buttons.
After have selected the business of applying for card, in step S410, entered the page of applying for card of banking system by security verification, selecting applies for card in person or act on behalf of applies for card.
If apply for card in person, in the step s 420, enter the banking system interface of applying for card in person, filled in the information table or fill in papery and to apply for card information table of applying for card handled needed for bank card by operational order input media, by image processing module, the above-mentioned information of applying for card is input in banking system; After information of applying for card input banking system, in step S421, people's identity information of applying for card is scanned by identity information acquisition instrument, and be transferred to mobile terminal, the people's identity information of applying for card collected is checked whether consistent with the cardholder information of applying for card in information table and compare with the identity information in feature database and verify by information check unit, whether verification people's identity information of applying for card is correct, correctly enters lower continuous step, incorrectly returns to the main interface of banking system;
If agency applies for card, in step S430, enter the banking system interface acted on behalf of and apply for card, the information of applying for card of being applied for card in information table by operational order input media or image processing module input is in banking system; After information of applying for card input, in step S431, people's identity information of applying for card is scanned by identity information acquisition instrument, and be transferred to mobile terminal, the people's identity information of applying for card collected is checked whether consistent with procurator's information of applying for card in information table and compare with the identity information in feature database and verify by information check unit, whether correctly verify procurator information, correctly enter lower continuous step, incorrectly return to the main interface of banking system;
After people's identity of applying for card validation of information, in step S440, bank cashier checks the information of applying for card, and confirms information of applying for card, confirmation signal is fed back to electronics sales counter by information confirmation unit;
In step S450, to be applied for card special seal in the above-mentioned information table upper cover bank that applies for card by seal apparatus, and print two parts of information tables of applying for card by printer, eject for certificates handling people signature by document entrance;
After the people that applies for card signature, in step S460, information table of being applied for card by portion enters electronics sales counter by document entrance, is kept in file storage box.
Then, in step S470, by back-note feeder, required expense of applying for card of applying for card is entered the deposit boxes of electronics sales counter by back-note feeder.
Finally, in step S480, above-mentioned certificates handling information is stored in neocaine case with the form of bar code or Quick Response Code and meets in the information of applying for card in the bank card of type of applying for card or the magnetic stripe of credit card, then bank card or credit card are ejected by bill entrance.
Preferably, in step S420 or S430, also comprise: by information check unit verify information of applying for card whether fill in form exact, whether lack required item, error items fed back to electronics sales counter, until the personnel of applying for card fill in correctly.
5th embodiment
Fig. 5 shows and adopts banking of the present invention to handle the method flow diagram that system handles the business of closing an account, as shown in the figure, described in handle the business of closing an account method comprise:
First, in step S500, at the main interface of banking system, select business of closing an account.
After have selected the business of closing an account, in step S510, insert the bank card, credit card or the bankbook that need to close an account, by entering the page of closing an account of banking system after security verification.
After entering interface of closing an account, in step S520, to be closed an account information table or fill in the information table of closing an account of papery by the input of operational order input media, by image processing module, above-mentioned information table of closing an account is input in banking system;
After information of closing an account input banking system, in step S530, people's identity information of closing an account is scanned by identity information acquisition instrument, and be transferred to mobile terminal, the holder, whether consistent with the cardholder information of closing an account in information table and whether correct with the verification message of comparing of the identity information in feature database of close an account people whether bank card, credit card or bankbook is verified by information check unit, correctly enter lower continuous step, incorrectly return to the main interface of banking system.
After information table of closing an account input is correct, in step S540, bank cashier checks the family information that disappears, and is confirmed by information confirmation unit, and confirmation signal of closing an account feeds back to electronics sales counter;
In step S550, seal apparatus receives and to close an account confirmation signal, to close an account special seal, and prints two parts of information tables of closing an account by printer, ejected for people's signature of closing an account by document entrance in the information table upper cover bank that closes an account.
After the people that closes an account signature, in step S560, information table of being closed an account by portion enters electronics sales counter by document entrance, is kept in file storage box.
Then, in step S570, by the remaining sum needed on bank card, credit card or the bankbook of closing an account by withdraw the money case from back-note feeder eject or by the function of transferring accounts of electronics sales counter by balance transfer to other bank cards, credit card or bankbook.
Finally, in step S580, be transferred to useless card case by needing bank card, credit card or the bankbook of closing an account.
6th embodiment
Fig. 6 shows and adopts banking of the present invention to handle the method flow diagram that system handles the business of reporting the loss, as shown in the figure, described in handle the business of reporting the loss method comprise:
First, in step S600, at the main interface of banking system, select to report the loss business.
After have selected the business of reporting the loss, in step S610, what enter banking system reports the loss information table interface, by operational order input media fill in report the loss information table or fill in papery report the loss information table, by image processing module, the above-mentioned information of reporting the loss is input to above-mentioned interface;
After reporting the loss information table input banking system, in step S620, report the loss people to report the loss in information table report the loss validation of information after, people's identity information is reported the loss by the scanning of identity information acquisition instrument, and be transferred to mobile terminal, information check unit verify report the loss people whether bank card, credit card or bankbook holder, with whether report the loss the cardholder information of filling in information table consistent and compare with the identity information in feature database whether verify identity information correct, correctly enter lower continuous step, incorrectly return to the main interface of banking system.
After reporting the loss information input correctly, in step S630, bank cashier checks the information of reporting the loss, and is confirmed by information confirmation unit, will report the loss confirmation signal and feed back to electronics sales counter;
In step S640, reporting the loss special seal by seal apparatus in above-mentioned information table upper cover bank of reporting the loss, and print two parts by printer, being ejected for reporting the loss people's signature by document entrance.
After reporting the loss people's signature, in step S650, portion is reported the loss information table and enter electronics sales counter by document entrance, be kept in file storage box.
Then, in step S660, by back-note feeder, will required expense of reporting the loss be reported the loss to be entered by back-note feeder the deposit boxes of electronics sales counter.
Finally, in step S670, the magnet bar code of the bank card in the information of reporting the loss, credit card or bankbook is transferred to alarm module by electronics sales counter, when using bank card, credit card or the bankbook reported the loss to carry out banking operation when there being people, forbid entering relevant banking interface, and by mobile terminal, warning message is transferred to bank cashier.
Preferably, whether the method handling the business of reporting the loss described in also comprises: close an account to the bank card reported the loss, credit card or bankbook; If close an account, enter banking system and to close an account interface, repeat step S520 to step S580; If do not close an account, then terminate.
7th embodiment
Fig. 7 shows and adopts banking of the present invention to handle the method flow diagram that system handles foreign currency exchange business, as shown in the figure, described in handle foreign currency exchange business method comprise:
First, in step S700, at the main interface of banking system, select foreign currency exchange business, enter the banking system interface of foreign currency exchange, select to exchange front Currency Type and Currency Type after exchanging.
Choose after exchanging front Currency Type and exchanging rear Currency Type, in step S710, select banknote change or bank card or bankbook to deposit and exchange.
If selection banknote change, in step S720, by back-note feeder, stored in bank note, show stored in the amount of money before exchange and determine; After the amount of money that changes money is determined, in step S721, the foreign currency exchanging the rear amount of money is ejected by back-note feeder according to the foreign currency conversion rate exchanging the same day by electronics sales counter.
If select bank card or bankbook deposit to exchange, in step S730, input bank card or bankbook password; After Password Input is correct, in step S731, people's identity information is exchanged by the scanning of identity information acquisition instrument, and be transferred to mobile terminal, by information check unit verify exchange people whether bank card or bankbook holder and compare with the identity information in feature database whether verify identity information correct, correctly enter lower continuous step, incorrectly return to the main interface of banking system; After exchange people identity validation of information is correct, in step S732, input is exchanged the front amount of money and is also determined.After before exchanging, the amount of money is determined, in step S733, after selecting to eject exchange from back-note feeder, foreign currency after exchange is still deposited into bank card or bankbook by foreign currency; Exchange rear foreign currency if select back-note feeder to eject, perform step S721; If select foreign currency after exchange to be deposited into bank card or bankbook, in step S734 electronics sales counter, the amount of money exchanging rear foreign currency is directly deposited into bank card or bankbook.
Banking described in above-mentioned 3rd to the 7th embodiment is handled in method, all can comprise the method that in prior art, strip prints, and only give the method adopting ID (identity number) card information Acquisition Instrument scanning I.D. to confirm identity information in the method for above-described embodiment, fingerprint, video, audio frequency or iris also can be adopted to verify identity information.
Exemplary embodiment of the present invention, but it should be noted that under the prerequisite not deviating from the scope of the present invention that claim limits, can multiple change and amendment be carried out.Need not perform with any particular order according to the function of the claim to a method of inventive embodiments described herein, step and/or action.In addition, although element of the present invention can describe or requirement with individual form, also it is contemplated that multiple, is odd number unless explicitly limited.
Claims (10)
1. a banking handles system, comprise electronics sales counter, for the device of client's handling bank business, wherein, described banking is handled system and is also comprised mobile terminal, and it is connected with electronic housing described in or multiple stage by network, logs in, business process monitoring and operation flow mandate for open and close, the registration controlling described electronics sales counter, comprise: remote control unit, for the opening and closing of remotely controlled electronically sales counter; Information check unit, whether correct for the banking information of checking the input of electronics sales counter, error items is fed back to electronics sales counter; Information confirmation unit, for confirming the banking information that electronics sales counter inputs, and feeds back to electronics sales counter by confirmation signal.
2. banking according to claim 1 handles system, described electronics sales counter comprises: display device, operational order input media, reader device, wherein, described electronics sales counter also comprises audio frequency and video interactive device and safety device, described audio-video equipment comprises camera and telephone receiver, or camera and microphone, or camera and earphone, for carrying out voice and video telephone with remote teller; One or more in described safety device involving vibrations sensor, entrance guard sensor, infrared sensor, monitoring camera and monitoring video machine.
3. banking according to claim 1 handles system, wherein, described electronics sales counter also comprises described operation expanding unit, comprises one or more in cash processing module, image processing module, seal apparatus, identity information acquisition instrument and printer.
4. banking handles a method, comprising:
Open one or more electronics sales counter by mobile terminal remote, complete the registration of electronics sales counter in bank server and log in;
By the voucher card information that the reader device reading client of electronics sales counter provides, and voucher card password is verified;
Enter electronics sales counter banking system, select type of service, input needs the banking information handled, wherein, electronics sales counter banking system comprises the banking system of automatic teller machine and self-help charger, also comprises applying for card, report the loss, closing an account and changing money four banking systems;
The banking information of input is sent to mobile terminal by electronics sales counter, and information check unit is checked the banking information that electronics sales counter inputs;
If the banking information of electronics sales counter input is correct, bank cashier is checked banking information, is confirmed by information confirmation unit, confirmation signal is fed back to electronics sales counter, self-servicely completes banking;
If the banking information mistake of electronics sales counter input, feeds back to electronics sales counter, modify to error items by error items, until input banking information is correct.
5. banking according to claim 4 handles method, and wherein, described banking disposal route also comprises: carry out business processing by audio frequency and video interactive system by bank cashier remote guide client or carry out service authorization.
6. banking according to claim 4 handles method, wherein, described banking disposal route also comprises: before entering banking system, carry out second time security verification, that is, gathered the identity information of client by described identity information acquisition instrument, then the identity information stored in the described identity information collected and feature database is compared, and then judge that whether the described identity information collected is correct, if incorrect, then exit voucher card, and process ends; If correctly, then continue follow-up flow process, wherein, identity information comprises one or more in photo, identification card number, finger print and iris.
7. handle bank card or a credit card method, comprising:
At the main interface of banking system, select to apply for card business, wherein, the main interface of banking system of described banking system main interface comprehensive automation automatic teller machine and self-help charger, also comprises and applies for card, reports the loss, closes an account and changing money four function buttons;
Entered the page of applying for card of banking system by security verification, selecting applies for card in person or act on behalf of applies for card;
If apply for card in person, enter the banking system interface of applying for card in person, filled in the information table or fill in papery and to apply for card information table of applying for card handled needed for bank card by operational order input media, by image processing module, the above-mentioned information of applying for card is input in banking system; People's identity information of applying for card is scanned by identity information acquisition instrument, and be transferred to mobile terminal, the people's identity information of applying for card collected is checked whether consistent with the cardholder information of applying for card in information table and compare with the identity information in feature database and verify by information check unit, whether verification people's identity information of applying for card is correct, correctly enter lower continuous step, incorrectly return to the main interface of banking system;
If agency applies for card, enter the banking system interface acted on behalf of and apply for card, the information of applying for card of being applied for card in information table by operational order input media or image processing module input is in banking system; People's identity information of applying for card is scanned by identity information acquisition instrument, and be transferred to mobile terminal, the people's identity information of applying for card collected is checked whether consistent with procurator's information of applying for card in information table and compare with the identity information in feature database and verify by information check unit, whether correctly verify procurator's information, correctly enter lower continuous step, incorrectly return to the main interface of banking system;
Bank cashier checks the information of applying for card, and confirms information of applying for card, and confirmation signal is fed back to electronics sales counter by information confirmation unit;
To be applied for card special seal in the above-mentioned information table upper cover bank that applies for card by seal apparatus, and print two parts of information tables of applying for card by printer, eject for certificates handling people signature by document entrance;
Information table of being applied for card by portion enters electronics sales counter by document entrance, is kept in file storage box;
By back-note feeder, required expense of applying for card of applying for card is entered the deposit boxes of electronics sales counter by back-note feeder;
Above-mentioned information of applying for card is stored in neocaine case with the form of bar code or Quick Response Code and meets in the information of applying for card in the bank card of type of applying for card or the magnetic stripe of credit card or chip, then bank card or credit card are ejected by bill entrance.
8. handle a method for the business of closing an account, comprising:
At the main interface of banking system, select business of closing an account;
Insert the bank card, credit card or the bankbook that need to close an account, by entering the page of closing an account of banking system after security verification;
To be closed an account information table or fill in the information table of closing an account of papery by the input of operational order input media, by image processing module, above-mentioned information table of closing an account is input in banking system;
People's identity information of closing an account is scanned by identity information acquisition instrument, be transferred to mobile terminal, the holder, whether consistent with the cardholder information of closing an account in information table and whether correct with the verification message of comparing of the identity information in feature database of close an account people whether bank card, credit card or bankbook is verified by information check unit, correctly enter lower continuous step, incorrectly return to the main interface of banking system;
Bank cashier checks the family information that disappears, and is confirmed by information confirmation unit, and confirmation signal of closing an account feeds back to electronics sales counter;
Seal apparatus receives and to close an account confirmation signal, to close an account special seal, and prints two parts of information tables of closing an account by printer, eject for people's signature of closing an account by document entrance in the information table upper cover bank that closes an account;
Information table of being closed an account by portion enters electronics sales counter by document entrance, is kept in file storage box;
By the remaining sum needed on bank card, credit card or the bankbook of closing an account by withdraw the money case from back-note feeder eject or by the function of transferring accounts of electronics sales counter by balance transfer to other bank cards, credit card or bankbook;
Useless card case is transferred to by needing bank card, credit card or the bankbook of closing an account.
9. the method handling the business of reporting the loss comprises:
At the main interface of banking system, select to report the loss business.
What enter banking system reports the loss information table interface, by operational order input media fill in report the loss information table or fill in papery report the loss information table, by image processing module, the above-mentioned information of reporting the loss is input to banking system;
Report the loss people to report the loss in information table report the loss validation of information after, people's identity information is reported the loss by the scanning of identity information acquisition instrument, and be transferred to mobile terminal, by information check unit verify report the loss people whether bank card, credit card or bankbook holder, with whether report the loss the cardholder information of filling in information table consistent and compare with the identity information in feature database whether verify identity information correct, correctly enter lower continuous step, incorrectly return to the main interface of banking system;
Bank cashier checks the information of reporting the loss, and is confirmed by information confirmation unit, will report the loss confirmation signal and feed back to electronics sales counter;
Reporting the loss special seal by seal apparatus in above-mentioned information table upper cover bank of reporting the loss, and print two parts by printer, ejecting for reporting the loss people's signature by document entrance;
Portion is reported the loss information table and enter electronics sales counter by document entrance, be kept in file storage box;
By back-note feeder, will required expense of reporting the loss be reported the loss to be entered by back-note feeder the deposit boxes of electronics sales counter;
The magnet bar code of the bank card in the information of reporting the loss, credit card or bankbook is transferred to alarm module by electronics sales counter, when using bank card, credit card or the bankbook reported the loss to carry out banking operation when there being people, forbid entering relevant banking interface, and by mobile terminal, warning message is transferred to bank cashier.
10. the method handling foreign currency exchange business comprises:
At the main interface of banking system, select foreign currency exchange business, enter the banking system interface of foreign currency exchange, select to exchange front Currency Type and Currency Type after exchanging;
Banknote change or bank card or bankbook deposit is selected to exchange;
If selection banknote change, by back-note feeder, stored in bank note, show stored in the amount of money before exchange and determine, the foreign currency exchanging the rear amount of money is ejected by back-note feeder according to the foreign currency conversion rate exchanging the same day by electronics sales counter;
If select bank card or bankbook deposit to exchange, input bank card or bankbook password; People's identity information is exchanged by the scanning of identity information acquisition instrument, and be transferred to mobile terminal, by information check unit verify exchange people whether bank card or bankbook holder and compare with the identity information in feature database whether verify identity information correct, correctly by information confirmation unit, exchange confirmation signal is fed back to electronics sales counter, incorrectly return to the main interface of banking system; Input is exchanged the front amount of money and is determined; After selecting to eject exchange from back-note feeder, foreign currency after exchange is still deposited into bank card or bankbook by foreign currency; Exchange rear foreign currency if select back-note feeder to eject, the foreign currency after exchange is ejected by back-note feeder; If select foreign currency after exchange to be deposited into bank card or bankbook, the amount of money exchanging rear foreign currency is directly deposited into bank card or bankbook by electronics sales counter.
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