CN115223307A

CN115223307A - Multifunctional transaction equipment

Info

Publication number: CN115223307A
Application number: CN202210882782.0A
Authority: CN
Inventors: 吕明明
Original assignee: Bank of China Ltd
Current assignee: Bank of China Ltd
Priority date: 2022-07-26
Filing date: 2022-07-26
Publication date: 2022-10-21

Abstract

The application provides a multifunctional transaction device, which comprises a camera, a microphone and a display screen; the identification unit is used for carrying out identity identification, action identification and voice identification on the user; the processing unit is used for executing transaction logic corresponding to user operation based on a pre-bound bank account after the identity identification performed by the identification unit passes; the transaction logic includes transfer, payment and collection; the intelligent alarm unit is used for sending early warning information to a public service unit through an intelligent terminal when a preset alarm condition is met; the method comprises the steps that communication connection is established between an intelligent terminal and transaction equipment in advance; and the data interaction unit is used for communicating with the cloud terminal through a wireless local area network. The multifunctional transaction equipment provided by the application is directly bound with the bank account, so that the operation process is simplified, and the multifunctional transaction equipment is convenient for old users to use.

Description

Multifunctional transaction equipment

Technical Field

The invention relates to the technical field of quick payment, in particular to multifunctional transaction equipment.

Background

With the popularization of smart phones, online transactions (transfer, receipt and payment, etc.) using smart phones have become a transaction means widely used by people. However, the smart phone has too many functions and is complicated to operate, so that it is generally difficult for an old user to complete an online transaction using the smart phone.

Disclosure of Invention

In view of the above-mentioned shortcomings of the prior art, the present invention provides a multifunctional transaction device, which provides an online transaction means convenient for the elderly user.

The application provides a multi-functional transaction device, includes:

the device comprises a camera, a microphone and a display screen;

the identification unit is used for carrying out identity identification, action identification and voice identification on the user; the identity recognition comprises any one or more of password recognition, face recognition, fingerprint recognition and voice print recognition;

the processing unit is used for executing transaction logic corresponding to user operation based on a pre-bound bank account after the identity identification performed by the identification unit passes; wherein the transaction logic includes transfer, payment and receipt;

the intelligent alarm unit is used for sending early warning information to a public service unit through an intelligent terminal when a preset alarm condition is met; the intelligent terminal and the transaction equipment establish communication connection in advance;

the data interaction unit is used for communicating with the cloud terminal through a wireless local area network;

and the voice prompt unit is used for outputting prompt voice.

Optionally, the alarm condition includes that the identification unit fails to identify for N consecutive times; wherein N is a preset positive integer.

Optionally, the alarm condition includes that the identification unit detects an abnormal audio.

Optionally, the alarm condition includes that, after the transaction device is started, the user operation is not received within a preset alarm duration.

Optionally, the alarm condition includes that the identification unit identifies a preset abnormal action.

Optionally, when the processing unit executes a transaction logic corresponding to a user operation based on a pre-bound bank account, the processing unit is specifically configured to:

transferring the transfer amount to a target transfer account from the pre-bound bank account; wherein the transfer amount and the target transfer account number are both input by a user.

paying the payment amount to a target payment account from the pre-bound bank account; and the payment amount and the target payment account are determined according to the collection code scanned by the camera.

transferring the collection amount from the target collection account number to a pre-bound bank account; and the target collection account number and the collection amount are determined according to the payment code scanned by the camera.

Optionally, the processing unit is further configured to:

calling the data interaction unit to acquire the balance of the bank account from a cloud end;

and displaying the balance through the display screen.

Optionally, the processing unit is further configured to:

and after the transaction logic is finished, calling the voice prompt unit to output a prompt voice of successful transaction.

Drawings

In order to more clearly illustrate the embodiments of the present invention or the technical solutions in the prior art, the drawings used in the embodiments or the prior art descriptions will be briefly described below, it is obvious that the drawings in the following description are only embodiments of the present invention, and for those skilled in the art, other drawings can be obtained according to the provided drawings without creative efforts.

Fig. 1 is a front view of a multi-function transaction apparatus provided in an embodiment of the present application;

FIG. 2 is a flow chart of a method for transferring money using a multi-function transaction device according to an embodiment of the application;

FIG. 3 is a flowchart of a method for paying for information using a multi-function transaction device according to an embodiment of the present application;

fig. 4 is a flowchart of a method for collecting money using a multi-function transaction device according to an embodiment of the present disclosure.

Detailed Description

The technical solutions in the embodiments of the present invention will be clearly and completely described below with reference to the drawings in the embodiments of the present invention, and it is obvious that the described embodiments are only a part of the embodiments of the present invention, and not all of the embodiments. 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 multifunctional business equipment comprises an identification unit, a processing unit, a local database, an intelligent alarm unit, a data interaction unit, a voice reminding unit and a display unit.

An identification unit: the unit comprises five identification functions of face identification, fingerprint identification, voiceprint identification, voice identification and action identification.

A processing unit: and the system is responsible for logical operation of the system and uniformly allocating each functional unit.

A local database: for storing some local system data.

Intelligent alarm unit: when some illegal behaviors occur or the conditions are met, the alarm function is started, and early warning is automatically sent to related mechanisms nearby.

A data interaction unit: the method is used for data interaction between the local and the cloud.

The voice reminding unit: and reminding the user to perform related corresponding operation through sound.

A display unit: content display and video interaction can be performed.

Firstly, after the device is deployed, a wireless network is required to be connected, and meanwhile, each device is provided with a unique number and is bound with an account number of a mobile phone bank.

The device may establish a connection with a nearby public service unit.

The device can be arranged on a corresponding track, can slide up and down according to the condition of a user, and can adjust the distance.

Firstly, after the equipment is deployed, a user can connect the equipment through a mobile phone bank by means of a network, and meanwhile, the equipment can be bound with a bank card.

When the user needs to use the device for online transfer, a target account which wants to transfer money can be directly input to the device, and then the amount is input, and money can be transferred to the target account from the bound card.

If off-line payment is needed, the payee only needs to align the own payee code with the camera of the equipment, and the equipment can prompt through the display unit and the voice reminding unit after reading information. The user can discern through any mode of face identification, fingerprint identification, voiceprint discernment, and through later, the system can directly deduct money through the card that binds.

The device can also collect money, can be used only by illuminating a payment code by the other party, and the collected money can be directly bound on the card.

The user can inquire the amount of money of the corresponding card through the equipment.

The user can also carry out voice chat and video chat with the equipment through the mobile banking.

The device can also be taken off for use.

When the password is input incorrectly for many times, the system enters an early warning state, then a camera is started to acquire the facial features of the current user, then facial recognition is carried out, and if the user is found not to be a legal user, early warning information can be directly sent to related departments nearby through a network.

When an abnormal phenomenon occurs, the system can automatically activate the camera to search for a target object and then carry out safety judgment. And contacting the users or related public departments bound in the equipment by means of mobile banking according to the situation.

The abnormal phenomena include: loud sounds, unusual sounds, long periods of inactivity.

The multifunctional transaction device provided by the application is described below with reference to the accompanying drawings.

Fig. 1 is a front view of a multi-function transaction device (hereinafter, referred to as a transaction device) provided in the present application.

As shown in fig. 1, the transaction device may include a camera 101, a microphone 102, a microphone 103, and a display screen 104.

An identification unit 105 for performing identity identification, motion identification and voice identification on a user; the identity recognition comprises any one or more of password recognition, face recognition, fingerprint recognition and voice print recognition.

The processing unit 106 is used for executing transaction logic corresponding to user operation based on a pre-bound bank account after the identity identification performed by the identification unit passes; wherein the transaction logic includes transfer, payment and receipt.

The intelligent alarm unit 107 is used for sending early warning information to a public service unit through an intelligent terminal when a preset alarm condition is met; the intelligent terminal and the transaction equipment are in communication connection in advance.

And the data interaction unit 108 is used for communicating with the cloud terminal through a wireless local area network.

And a voice prompt unit 109 for outputting a prompt voice.

In some optional embodiments, the transaction device of the present application may include a keyboard 110, through which the user enters information such as account number, amount, etc.

In some optional embodiments, the transaction device of the present application may not include a keyboard, and when the user needs to input information such as an account number and an amount by pressing keys, the display screen may display a virtual keyboard in the designated area, and the user completes input through the virtual keyboard.

The recognition unit 105 is used for performing identity recognition, action recognition and voice recognition on the user.

The identity recognition comprises any one or more of face recognition, fingerprint recognition and voice print recognition.

That is, when identification is required, the recognition unit may perform face recognition by photographing the face of the user through the camera. Specifically, the recognition unit may compare the photographed face of the user with pre-stored face data, and if the photographed face of the user matches the pre-stored face data, the face recognition is passed, and if the photographed face of the user does not match the pre-stored face data, the face recognition is not passed.

Or, when needs carry out identification, the identification element can carry out fingerprint identification through fingerprint acquisition module collection user's fingerprint, and fingerprint acquisition module can integrate in the specific position of display screen, and when needs gathered the fingerprint, the identification element can light the position at fingerprint acquisition module place on the display screen to the suggestion user is gathering the fingerprint at contact fingerprint acquisition module.

Specifically, when fingerprint identification is carried out, the identification unit can compare the fingerprint data collected by the fingerprint collection module with the locally pre-stored fingerprint data, if the fingerprint data and the locally pre-stored fingerprint data are matched, the fingerprint identification is passed, and if the fingerprint data and the locally pre-stored fingerprint data are not matched, the face identification is not passed.

Or, when identity recognition is needed, the recognition unit can collect voice of the user through a microphone to perform voiceprint recognition. Specifically, the recognition unit may extract voiceprint features from the user speech collected by the microphone, compare the voiceprint features with locally pre-stored voiceprint feature data, and if the voiceprint features are matched with the locally pre-stored voiceprint feature data, pass the voiceprint recognition, and if the voiceprint features are not matched with each other, fail the voiceprint recognition.

Or, when identity recognition is required, the recognition unit may obtain a password input by the user to perform password recognition. Specifically, the identification unit compares the password data with password data stored in advance locally, if the password data is matched with the password data, the password identification is determined to be passed, and if the password data is not matched with the password data, the password identification is determined not to be passed.

The above-mentioned locally pre-stored face data, fingerprint data, voice print characteristic data and password data may all be stored in a local database of the multi-function transaction apparatus. The pre-stored data can be obtained by prompting the user to enter when the multifunctional transaction equipment is started for the first time; or may be obtained from the user's smartphone while in communication with the user's smartphone (which may specifically be a bluetooth connection, or a connection through a wireless network).

It can be understood that, in order to facilitate the user's use and improve the security, the identification unit may configure the above three identification schemes at the same time, and select any one of the three identification schemes according to the user's requirement for identification.

And the processing unit 106 is used for executing transaction logic corresponding to the user operation based on the pre-bound bank account after the identity identification performed by the identification unit passes.

Wherein the transaction logic includes transfer of money, payment and receipt of money.

That is, the processing unit of the transaction device may perform the functions of transferring money, paying money, and receiving money according to the user's operation.

Optionally, when the processing unit executes a transaction logic corresponding to a user operation based on the pre-bound bank account, the processing unit is specifically configured to:

transferring the transfer amount to a target transfer account number from the pre-bound bank account; wherein, the transfer amount and the target transfer account number are both input by the user.

Specifically, the transfer function is implemented as follows:

the user enters a destination transfer account number. The input mode can be that the camera shoots objects written in the target transfer account number, such as paper, bank cards and the like, and the processing unit extracts the target transfer account number from the shot image; or the user reads the target transfer account number, the microphone collects the voice of the user, and the processing unit identifies the voice of the user to obtain the target transfer account number; alternatively, the user may key-in the destination transfer account number on a keyboard or virtual keyboard. The target transfer account number input by the user may be displayed on the display screen for the user to confirm, or may not be displayed, and the next step is directly performed.

The user inputs the transfer amount, and the input mode of the transfer amount can refer to the input mode of the target transfer account, and is not described any more.

After the user inputs the transfer amount, the identification unit starts to identify the user. Of course, the identification may also be started after the user inputs the target transfer account, and the timing of the identification is not limited in this embodiment.

And after the identity identification is passed, the processing unit deducts the corresponding transfer amount from the pre-bound bank account and transfers the transfer amount to the target transfer account.

In some embodiments, in order to avoid transferring the wrong account, after the user inputs the target transfer account, the transaction device may prompt the user to perform verification, for example, prompt the user to input a name of a holder of the target transfer account, compare the name with the name of the holder of the target transfer account recorded in the cloud, and if the name is consistent with the name of the holder of the target transfer account recorded in the cloud, determine that the verification is passed, and allow the transfer; if the two are not consistent, the verification is determined not to be passed, and the transfer is not allowed to be carried out.

Payment and collection functions:

the payment function and the collection function can be realized through corresponding two-dimensional codes.

Specifically, when a payment needs to be made offline to a certain merchant, the payee (i.e., the merchant) may aim the payee code (i.e., the two-dimensional code for payment) at the camera of the transaction device.

And scanning the collection code by a camera of the transaction equipment, and reading the target payment account number and the payment amount from the collection code by the processing unit.

Optionally, after reading the information, the voice prompt unit of the transaction device may perform voice prompt on the user, for example, prompt the user to pay for a number of dollars to a certain merchant currently, and of course, the transaction device may also prompt the user through a display screen, which is not described in detail.

Subsequently, the identification unit identifies the user of the transaction device.

After the identity identification is passed, the processing unit of the transaction device may deduct the payment amount from the pre-bound bank account and transfer it to the target payment account.

In some alternative embodiments, the processing unit may also only read the target payment account number from the payment receiving code, in which case a voice prompt unit and/or a display screen of the transaction device may prompt the user to input the payment amount. The input mode of the payment amount can be referred to the input mode of the target account transfer, and is not described again.

Specifically, when the user aligns the payment code (i.e., the two-dimensional code for payment) with the camera, the camera scans the payment code, the processing unit reads the target collection account number and the collection amount from the payment code, and finally, the processing unit deducts the corresponding collection amount from the target collection account number and transfers the collection amount to the bank account bound to the transaction device.

Optionally, the processing unit is further configured to:

calling a data interaction unit to acquire the balance of the bank account from the cloud;

and displaying the balance through a display screen.

Specifically, a user can input a balance checking instruction through a keyboard or a voice mode, the processing unit calls the identification unit to identify after obtaining the instruction, the processing unit calls the data interaction unit to obtain the balance of the bank account from the cloud after passing the identification, and then the balance is displayed through the display screen.

Optionally, the processing unit is further configured to:

and after the transaction logic is finished, calling a voice prompt unit to output a prompt voice of successful transaction. For example, after the transfer is finished, the processing unit calls the voice prompt unit to output a voice of 'transfer success'.

And the intelligent alarm unit 107 is used for sending early warning information to the public service unit through the intelligent terminal when a preset alarm condition is met.

The intelligent terminal and the transaction equipment are in communication connection in advance. The intelligent terminal can be a smart phone of a user or other intelligent equipment in a house where the user is located, such as a smart television, a notebook computer and the like.

The communication connection between the intelligent terminal and the transaction device can be a Bluetooth connection or a connection based on a wireless network (WiFi).

The public service unit may be a nearby police station, a dispatch office, a hospital, or the like.

Optionally, the alarm condition includes that the identification unit fails to identify for N consecutive times; wherein N is a preset positive integer. As one example, N may be set to 4.

When the identification unit fails to identify for N times continuously, the transaction equipment can be considered to be stolen at present, so that the N times of continuous identification failure of the identification unit is taken as an alarm condition, the transaction equipment can be prevented from being stolen, and the property loss of a user is avoided.

Specifically, when the time interval between one identification and the previous identification does not exceed 3 minutes, the two identifications are considered to be continuous, that is, if the time interval between every two adjacent identifications does not exceed 3 minutes in the N identifications, the N consecutive identifications are considered to occur.

In some optional embodiments, when the identification unit fails to identify for N consecutive times, the transaction device may also enter an early warning state, then turn on the camera, and prompt the user to align the face with the camera, so that the identification unit performs face identification using facial features of the current user, and if the identification finds that the current user is not a legitimate user, the intelligent alarm unit sends early warning information.

Optionally, the alarm condition includes that the identification unit detects an abnormal audio. Specifically, the local database of the transaction device may store an abnormal audio sample, and the abnormal audio sample is previously entered by a manufacturer before the transaction device leaves a factory, or may be updated online through a wireless network after leaving the factory. After the transaction equipment is started, the recognition unit collects audio through the microphone in real time, compares the collected audio with the abnormal audio sample, determines that the abnormal audio is detected if the collected audio is matched with the abnormal audio sample, and determines that the abnormal audio is not detected if the collected audio is not matched with the abnormal audio sample.

As one example, the anomalous audio samples may include samples of the user's distress, moan samples of the user's condition at the time of the attack, and loud sound samples that suddenly appear, etc.

Optionally, the alarm condition includes that no user operation is received within a preset alarm duration after the transaction device is started. The alarm duration may be set as needed, which is not limited in this embodiment. As an example, the alarm duration may be set to 5 minutes.

That is, if the user does not operate the transaction device after 5 minutes from starting the transaction device, only the alarm unit can determine that the alarm condition is satisfied, and send the warning information to the nearby public service unit.

Specifically, the identification unit may capture the motion of the user in real time through the camera, compare the motion of the user with abnormal motion data stored in the local database in advance, determine that the abnormal motion is identified if the motion of the user is matched with the abnormal motion data stored in the local database, and determine that the abnormal motion is not identified if the motion of the user is not matched with the abnormal motion data stored in the local database.

As an example, the abnormal motion data may be motion data of a user falling down.

Optionally, the abnormal motion data may be updated online by connecting to the intelligent terminal or by accessing to a wireless network.

The intelligent alarm unit and the alarm condition are arranged, so that whether the user of the transaction equipment has the emergency condition which can endanger the personal safety can be determined according to the alarm condition, and the help can be requested from a public service unit in time when the emergency condition occurs, so that the personal safety of the user can be guaranteed.

And the data interaction unit 108 is used for communicating with the cloud terminal through a wireless local area network. In some optional embodiments, the data interaction unit 108 may also further have a cellular network communication function, that is, the data interaction unit may communicate with the cloud via a cellular network and a wireless local area network. The transaction device accesses the wireless local area network of the location through the data interaction unit, so that the functions of the embodiment are provided based on the wireless local area network.

It should be noted that the identification unit 105, the processing unit 106, the intelligent alarm unit 107 and the data interaction unit 108 in this embodiment may be understood as processors integrated on one or more integrated chips inside the multifunctional transaction device. For example, the data interaction unit 108 can be regarded as a wireless network card in the multifunctional transaction device.

The multifunctional transaction equipment provided by the application has the following beneficial effects:

the multifunctional transaction equipment that this embodiment provided, the function is simple, only has the function of online transaction, and the cost of manufacture is far less than the smart mobile phone, simultaneously because the function is succinct, old user only need simply discern alright in order to reach various effects. The payment and the transfer are more convenient.

In order to facilitate understanding of the working principle of the multifunctional transaction device provided by the present application, the following describes the usage flow of the transaction device with reference to the accompanying drawings.

Referring to fig. 2, in order to illustrate a flow chart of a method for transferring money using the above-described multifunctional transaction apparatus, the method for transferring money may include the following steps.

S201, inputting a target transfer account by a user.

S202, the user inputs the transfer amount.

S203, the identification unit identifies the user.

And S204, after the identity identification is passed, the processing unit transfers accounts according to the target account number and the transfer amount.

Referring to fig. 3, a flowchart of a method for making payment using the multifunctional transaction device may include the following steps.

S301, the user aims the collection code at the camera.

S302, the camera scans the collection codes.

S303, the processing unit reads the target payment account and the payment amount from the collection code.

S304, the identification unit identifies the user.

S305, after the identification is passed, the processing unit pays the payment amount to the target payment account from the pre-bound bank account.

Referring to fig. 4, a flowchart of a method for collecting money using the multifunctional transaction apparatus may include the following steps.

S401, the user aims the payment code at the camera.

S402, the camera scans the payment code.

And S403, the processing unit reads the target collection account number and the collection amount from the payment code.

S404, the processing unit transfers the collection amount to the pre-bound bank account from the target collection account number.

The specific implementation manner of each step in the use method may refer to the working principle of the multifunctional transaction device, and is not described in detail.

Finally, it should also be noted that, herein, relational terms such as first and second, and the like may be used solely to distinguish one entity or action from another entity or action without necessarily requiring or implying any actual such relationship or order between such entities or actions. Also, the terms "comprises," "comprising," or any other variation thereof, are intended to cover a non-exclusive inclusion, such that a process, method, article, or apparatus that comprises a list of elements does not include only those elements but may include other elements not expressly listed or inherent to such process, method, article, or apparatus. Without further limitation, an element defined by the phrase "comprising a … …" does not exclude the presence of another identical element in a process, method, article, or apparatus that comprises the element.

It should be noted that the terms "first", "second", and the like in the present invention are only used for distinguishing different devices, modules or units, and are not used for limiting the order or interdependence relationship of the functions performed by the devices, modules or units.

Those skilled in the art can make or use the present application. Various modifications to these embodiments will be readily apparent to those skilled in the art, and the generic principles defined herein may be applied to other embodiments without departing from the spirit or scope of the application. Thus, the present application is not intended to be limited to the embodiments shown herein but is to be accorded the widest scope consistent with the principles and novel features disclosed herein.

Claims

1. A multi-function transaction device, comprising:

the device comprises a camera, a microphone and a display screen;

the data interaction unit is used for communicating with the cloud through a wireless local area network;

and the voice prompt unit is used for outputting prompt voice.

2. The apparatus of claim 1, wherein the alarm condition comprises the identification unit failing identification N consecutive times; wherein N is a preset positive integer.

3. The apparatus of claim 1, wherein the alarm condition comprises the identification unit detecting an abnormal audio.

4. The apparatus of claim 1, wherein the alarm condition comprises that no user action is received within a preset alarm duration after the transaction apparatus is activated.

5. The apparatus of claim 1, wherein the alarm condition comprises the identification unit identifying a predetermined abnormal action.

6. The device according to any one of claims 1 to 5, wherein the processing unit, when executing the transaction logic corresponding to the user operation based on the pre-bound bank account, is specifically configured to:

7. The device according to any one of claims 1 to 5, wherein the processing unit, when executing the transaction logic corresponding to the user operation based on the pre-bound bank account, is specifically configured to:

8. The device according to any one of claims 1 to 5, wherein the processing unit, when executing the transaction logic corresponding to the user operation based on the pre-bound bank account, is specifically configured to:

9. The device of any of claims 1 to 5, wherein the processing unit is further configured to:

and displaying the balance through the display screen.

10. The device of any of claims 1 to 5, wherein the processing unit is further configured to: