CN113793113A - Bank intelligent terminal operating system - Google Patents

Bank intelligent terminal operating system Download PDF

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CN113793113A
CN113793113A CN202110888417.6A CN202110888417A CN113793113A CN 113793113 A CN113793113 A CN 113793113A CN 202110888417 A CN202110888417 A CN 202110888417A CN 113793113 A CN113793113 A CN 113793113A
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module
unit
inquiry
bank
account
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史广安
李士勇
陈海涛
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Beijing Hongqi Software Co ltd
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Beijing Hongqi Software Co ltd
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    • GPHYSICS
    • G06COMPUTING; CALCULATING OR COUNTING
    • G06QINFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q10/00Administration; Management
    • G06Q10/10Office automation; Time management
    • G06Q10/103Workflow collaboration or project management
    • GPHYSICS
    • G06COMPUTING; CALCULATING OR COUNTING
    • G06QINFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q40/00Finance; Insurance; Tax strategies; Processing of corporate or income taxes
    • G06Q40/02Banking, e.g. interest calculation or account maintenance
    • GPHYSICS
    • G06COMPUTING; CALCULATING OR COUNTING
    • G06QINFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q40/00Finance; Insurance; Tax strategies; Processing of corporate or income taxes
    • G06Q40/03Credit; Loans; Processing thereof
    • GPHYSICS
    • G07CHECKING-DEVICES
    • G07FCOIN-FREED OR LIKE APPARATUS
    • G07F19/00Complete banking systems; Coded card-freed arrangements adapted for dispensing or receiving monies or the like and posting such transactions to existing accounts, e.g. automatic teller machines
    • G07F19/20Automatic teller machines [ATMs]
    • G07F19/206Software aspects at ATMs

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Abstract

The invention discloses an intelligent terminal operating system for a bank, which comprises an intelligent terminal and a bank platform, wherein the intelligent terminal is in communication connection with the bank platform through a network communication module, the intelligent terminal comprises an intelligent control module, a display module, an input module, an acquisition module, an information storage module and a material placement module, the input module is electrically connected with the display module, the acquisition module, the information storage module and the material placement module are all electrically connected with the intelligent control module, the intelligent terminal is also provided with an action module, the action module is electrically connected with the intelligent control module, and a connecting channel is arranged between the action module and the material placement module. The invention has more comprehensive functions, and is convenient for various people to use and operate by adopting one or more login modes of card secret login, fingerprint login and face identification login.

Description

Bank intelligent terminal operating system
Technical Field
The invention belongs to the field of bank intelligent terminals, and particularly relates to an operating system of a bank intelligent terminal.
Background
Along with the development of information technology, in order to improve market competitiveness and customer experience, banks vigorously promote the research and development work of novel intelligent equipment, and novel intelligent equipment such as card issuing machines and VTMs (virtual machine tool) are successively released. The method is realized by the following steps: the system comprises the non-cash business functions of card issuing, electronic bank signing, password loss reporting, password resetting, account transferring, payment and the like, but the functions of the existing bank intelligent terminal are not complete, so that the bank intelligent terminal operating system is provided.
Disclosure of Invention
The invention aims to solve the defects in the prior art and provides an operating system of a bank intelligent terminal.
In order to achieve the purpose, the invention provides the following technical scheme:
the intelligent terminal operating system for the bank comprises an intelligent terminal and a bank platform, wherein the intelligent terminal is in communication connection with the bank platform through a network communication module, the intelligent terminal comprises an intelligent control module, a display module, an input module, a collection module, an information storage module and a material placement module, the input module is electrically connected with the display module, the collection module, the information storage module and the material placement module are all electrically connected with the intelligent control module, the intelligent terminal is further provided with an action module, the action module is electrically connected with the intelligent control module, a connecting channel is arranged between the action module and the material placement module, the intelligent control module records SSH and SSL, supports an RSA encryption algorithm, can default to close unnecessary service and limits external network access; and opening the source code.
Preferably, the intelligent control module includes: the system comprises an account management unit, an account inquiry unit, a transfer remittance unit, a fund service unit, a financing service unit, an electronic channel unit, a credit card unit, a public payment unit, a bankbook unit and an international service unit, wherein the account management unit is used for carrying out card handling, information modification, loss reporting, transfer, receipt printing and bank card activation operations, a login unit is arranged in the account management unit, and the login unit adopts one or more login modes of card secret login, fingerprint login and face identification login.
Preferably, the display module is used for displaying the operation information of the input module and corresponding user-level programs of the user bank or the bankbook in the intelligent control module.
Preferably, the collection module is used in cooperation with a user-level program, and collects user information and user surrounding environment information during card building and login verification.
Preferably, the account inquiry unit is used for performing account detail inquiry, account balance inquiry, green card sub-account inquiry, customer electronic channel opening condition inquiry, account signing condition inquiry, credit card issued bill inquiry, credit card account non-issuing inquiry, electronic cash balance inquiry and electronic cash detail inquiry on a bank card or a bankbook, and all the inquiries need to be verified through the login unit, and the account inquiry unit is activated after the verification is passed; the transfer and remittance unit is used for carrying out bank transfer, bank-crossing transfer, personal customer account transfer to a company, periodic transfer, password remittance cashing, remittance record inquiry and earmark on a bank card or a bankbook, and the transfer and remittance unit needs to be verified by the login unit and activated after the verification is passed.
Preferably, the financial service unit is used for carrying out a financial signing transaction, inquiring the basic information of the intermediate account and carrying out risk assessment, a financial purchasing transaction, a financial bill clearing transaction, a financial terminating investment, a financial transaction password modification and an inquiry of a financial product on sale and management according to the certificate.
Preferably, the kernel architecture of the intelligent control module is as follows: the system comprises virtual file management, a memory manager, a process manager and abstract network services, wherein the virtual file management is used for activating a file driver and driving hardware according to actual requirements, and the abstract network services drive a network communication module through a TCPAP protocol driver and an Ethernet card driver.
Preferably, the electronic channel unit is used for conducting electronic bank opening transaction, electronic channel additional channel, electronic channel additional account, customer electronic channel quota modification, customer opening condition query, account signing condition query, electronic channel authentication mode modification, electronic channel authentication tool exchange, electronic channel mobile phone number modification, customer electronic channel closing, account electronic channel revocation and electronic bank password resetting.
Preferably, the fund service unit is used for risk assessment, fund TA account opening transaction, fund product on sale inquiry, fund product holding inquiry, fund subscription transaction, fund withdrawal transaction, fund redemption transaction, fund settlement inquiry, fund settlement application, fund settlement change and fund settlement cancellation.
Preferably, the credit card unit is used for carrying out balance inquiry, paid-out bill inquiry, unsettled bill inquiry, password modification, credit card repayment, identity document repayment, credit card additional automatic repayment and credit card pre-application; the bankbook unit is used for carrying out balance inquiry, detail inquiry, a subsidy book, bankbook transfer and password modification; and the public unit is used for inquiring the account name of a company account and transferring accounts of individual customers to the company account.
The invention has the technical effects and advantages that: compared with the traditional bank intelligent terminal operating system, the intelligent control module provided by the invention comprises an account management unit, an account inquiry unit, a transfer remittance unit, a fund service unit, a financing service unit, an electronic channel unit, a credit card unit, a public payment unit, a bankbook unit and an international service unit, has more comprehensive functions, and is convenient for the use and operation of various people by adopting one or more login modes of card secret login, fingerprint login and facial recognition login.
Drawings
FIG. 1 is an intelligent control module architecture diagram of the present invention;
FIG. 2 is a flow chart of the intelligent control module of the present invention.
Detailed Description
In order to make the objects, technical solutions and advantages of the present invention more apparent, the present invention is further described in detail with reference to the following embodiments. It should be understood that the specific embodiments described herein are merely illustrative of the invention and are not intended to limit the invention. All other embodiments, which can be derived by a person skilled in the art from the embodiments given herein without making any creative effort, shall fall within the protection scope of the present invention.
The invention provides an operating system of a bank intelligent terminal shown in a figure 1-2, which comprises an intelligent terminal and a bank platform, wherein the intelligent terminal is in communication connection with the bank platform through a network communication module: the intelligent terminal comprises an intelligent control module, a display module, an input module, an acquisition module, an information storage module and a material placement module, wherein the input module is electrically connected with the display module, the acquisition module, the information storage module and the material placement module are all electrically connected with the intelligent control module, the intelligent terminal is also provided with an action module, the action module is electrically connected with the intelligent control module, a connecting channel is arranged between the action module and the material placement module, the intelligent control module records SSH and SSL, supports an RSA encryption algorithm, can close unnecessary services by default and limits external network access; opening a source code;
the intelligent control module adopts the chip of spreading the peng 920 or the ft2000/4 chip, includes: the system comprises an account management unit, an account inquiry unit, a transfer remittance unit, a fund service unit, a financing service unit, an electronic channel unit, a credit card unit, a public payment unit, a bankbook unit and an international service unit, wherein the account management unit is used for carrying out card handling, information modification, loss reporting, transfer, receipt printing and bank card activation operations, a login unit is arranged in the account management unit, and the login unit adopts one login mode or multiple login modes of card secret login, fingerprint login and face identification login;
the account inquiry unit is used for carrying out account detail inquiry, account balance inquiry, green card account inquiry, customer electronic channel opening condition inquiry, account signing condition inquiry, credit card statement inquiry, credit card account non-issuing inquiry, electronic cash balance inquiry and electronic cash detail inquiry on a bank card or a bankbook, wherein all the inquiries need to be verified through the login unit, and the account inquiry unit is activated after the verification is passed; the transfer and remittance unit is used for carrying out bank transfer, bank-crossing transfer, personal customer account transfer to a company, periodic transfer, password remittance cashing, remittance record inquiry and earmark on a bank card or a bankbook, and the transfer and remittance unit needs to be verified by the login unit and is activated after the verification is passed; the kernel architecture of the intelligent control module is as follows: the system comprises a virtual file management module, a memory manager, a process manager and an abstract network service, wherein the virtual file management module is used for activating a file driver, driving hardware according to actual requirements, and driving the abstract network service to drive a network communication module through a TCPAP protocol driver and an Ethernet card driver;
the financial service unit is used for carrying out financial signing transaction, inquiring the basic information of the intermediate account and the electronic bank according to the certificate to carry out risk assessment, financial purchasing transaction, financial bill clearing transaction, financial terminating investment, financial transaction password modification and inquiry of the owned financial product in the financial product sale;
the electronic channel unit is used for carrying out electronic bank opening transaction, electronic channel additional channel, electronic channel additional account, customer electronic channel quota modification, customer opening condition query, account signing condition query, electronic channel authentication mode modification, electronic channel authentication tool exchange, electronic channel mobile phone number modification, customer electronic channel closing, account electronic channel cancellation and electronic bank password resetting;
the fund service unit is used for risk assessment, fund TA account opening transaction, fund product sale, fund product holding query, fund subscription transaction, fund withdrawal transaction, fund redemption transaction, fund fixed investment query, fund fixed investment application, fund fixed investment change and fund fixed investment withdrawal;
the credit card unit is used for carrying out balance inquiry, paid bill inquiry, unsettled bill inquiry, password modification, credit card repayment, identity document repayment, automatic repayment additionally processed by the credit card and credit card pre-application; the bankbook unit is used for carrying out balance inquiry, detail inquiry, additional book, bankbook transfer and password modification; the public unit is used for inquiring the account name of a company account and transferring accounts of individual customers to the company account;
the details are shown in the following table:
Figure BDA0003195058700000051
Figure BDA0003195058700000061
Figure BDA0003195058700000071
Figure BDA0003195058700000081
Figure BDA0003195058700000091
Figure BDA0003195058700000101
Figure BDA0003195058700000111
the display module is used for displaying the operation information of the input module and corresponding user-level programs of the user bank or the bankbook in the intelligent control module; the acquisition module is used for being matched with a user-level program for use, and acquiring user information and user surrounding environment information during card building and login verification;
the intelligent control module comprises an account management unit, an account inquiry unit, a transfer remittance unit, a fund service unit, a financing service unit, an electronic channel unit, a credit card unit, a public unit, a bankbook unit and an international service unit, has more comprehensive functions, and is convenient for the use and operation of various people by adopting one or more login modes of card secret login, fingerprint login and face identification login;
by cutting the kernel and unnecessary software, the resource occupation is greatly reduced and the performance is improved; by disabling unnecessary operations such as services, protocols, applications and the like, the system is safer and more stable.
Finally, it should be noted that: although the present invention has been described in detail with reference to the foregoing embodiments, it will be apparent to those skilled in the art that modifications may be made to the embodiments or portions thereof without departing from the spirit and scope of the invention.

Claims (10)

1. Intelligent terminal operating system in bank, including intelligent terminal machine and bank platform, intelligent terminal machine passes through network communication module communication with the bank platform and is connected its characterized in that: the intelligent terminal comprises an intelligent control module, a display module, an input module, an acquisition module, an information storage module and a material placement module, wherein the input module is electrically connected with the display module, the acquisition module, the information storage module and the material placement module are all electrically connected with the intelligent control module, the intelligent terminal is also provided with an action module, the action module is electrically connected with the intelligent control module, a connecting channel is arranged between the action module and the material placement module, the intelligent control module records SSH and SSL, supports RSA encryption algorithm, can default to close unnecessary service and limits external network access; and opening the source code.
2. The bank intelligent terminal operating system according to claim 1, wherein: the intelligent control module comprises: the system comprises an account management unit, an account inquiry unit, a transfer remittance unit, a fund service unit, a financing service unit, an electronic channel unit, a credit card unit, a public payment unit, a bankbook unit and an international service unit, wherein the account management unit is used for carrying out card handling, information modification, loss reporting, transfer, receipt printing and bank card activation operations, a login unit is arranged in the account management unit, and the login unit adopts one or more login modes of card secret login, fingerprint login and face identification login.
3. The bank intelligent terminal operating system according to claim 2, wherein: the display module is used for displaying the operation information of the input module and corresponding user-level programs of the user bank or the bankbook in the intelligent control module.
4. The bank intelligent terminal operating system according to claim 3, wherein: the acquisition module is used for being matched with a user-level program to be used, and acquiring user information and user surrounding environment information during card building and login verification.
5. The bank intelligent terminal operating system according to claim 4, wherein: the account inquiry unit is used for carrying out account detail inquiry, account balance inquiry, green card account inquiry, customer electronic channel opening condition inquiry, account signing condition inquiry, credit card statement inquiry, credit card account non-issuing inquiry, electronic cash balance inquiry and electronic cash detail inquiry on a bank card or a bankbook, wherein all the inquiries need to be verified through the login unit, and the account inquiry unit is activated after the verification is passed; the transfer and remittance unit is used for carrying out bank transfer, bank-crossing transfer, personal customer account transfer to a company, periodic transfer, password remittance cashing, remittance record inquiry and earmark on a bank card or a bankbook, and the transfer and remittance unit needs to be verified by the login unit and activated after the verification is passed.
6. The bank intelligent terminal operating system according to claim 5, wherein: the financial service unit is used for carrying out financial signing transaction, inquiring the basic information of the intermediate account and the electronic bank according to the certificate to carry out risk assessment, financial purchasing transaction, financial bill clearing transaction, financial terminating investment, financial transaction password modification and inquiry of the owned financial product in the financial product sale.
7. The bank intelligent terminal operating system according to claim 6, wherein: the kernel architecture of the intelligent control module is as follows: the system comprises virtual file management, a memory manager, a process manager and abstract network services, wherein the virtual file management is used for activating a file driver and driving hardware according to actual requirements, and the abstract network services drive a network communication module through a TCPAP protocol driver and an Ethernet card driver.
8. The bank intelligent terminal operating system according to claim 7, wherein: the electronic channel unit is used for carrying out electronic bank opening transaction, electronic channel additional channel, electronic channel additional account, customer electronic channel quota modification, customer opening condition query, account signing condition query, electronic channel authentication mode modification, electronic channel authentication tool exchange, electronic channel mobile phone number modification, customer electronic channel closing, account electronic channel cancellation and electronic bank password resetting.
9. The bank intelligent terminal operating system according to claim 8, wherein: the fund service unit is used for risk assessment, fund TA account opening transaction, fund product sale inquiry, fund product holding inquiry, fund subscription transaction, fund withdrawal transaction, fund redemption transaction, fund settlement inquiry, fund settlement application, fund settlement change and fund settlement cancellation.
10. The bank intelligent terminal operating system according to claim 9, wherein: the credit card unit is used for carrying out balance inquiry, paid-out bill inquiry, unsettled-out bill inquiry, password modification, credit card repayment, identity document repayment, automatic repayment of additional credit card and credit card pre-application; the bankbook unit is used for carrying out balance inquiry, detail inquiry, a subsidy book, bankbook transfer and password modification; and the public unit is used for inquiring the account name of a company account and transferring accounts of individual customers to the company account.
CN202110888417.6A 2021-08-03 2021-08-03 Bank intelligent terminal operating system Pending CN113793113A (en)

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Citations (4)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
CN201383189Y (en) * 2009-02-12 2010-01-13 浙江金大科技有限公司 Bank multimedia self-service terminal and self-service system thereof
CN103679967A (en) * 2013-12-31 2014-03-26 中国工商银行股份有限公司 Self-service transaction terminal, front equipment and self-service terminal system
CN206991472U (en) * 2017-06-23 2018-02-09 北京兆维电子(集团)有限责任公司 A kind of intelligent automatic teller machine
CN208400240U (en) * 2018-05-08 2019-01-18 深圳市华意达智能电子技术有限公司 A kind of ATM terminal based on recognition of face

Patent Citations (4)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
CN201383189Y (en) * 2009-02-12 2010-01-13 浙江金大科技有限公司 Bank multimedia self-service terminal and self-service system thereof
CN103679967A (en) * 2013-12-31 2014-03-26 中国工商银行股份有限公司 Self-service transaction terminal, front equipment and self-service terminal system
CN206991472U (en) * 2017-06-23 2018-02-09 北京兆维电子(集团)有限责任公司 A kind of intelligent automatic teller machine
CN208400240U (en) * 2018-05-08 2019-01-18 深圳市华意达智能电子技术有限公司 A kind of ATM terminal based on recognition of face

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