CN101000702A - Self service system and method - Google Patents

Self service system and method Download PDF

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Publication number
CN101000702A
CN101000702A CN 200610111417 CN200610111417A CN101000702A CN 101000702 A CN101000702 A CN 101000702A CN 200610111417 CN200610111417 CN 200610111417 CN 200610111417 A CN200610111417 A CN 200610111417A CN 101000702 A CN101000702 A CN 101000702A
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China
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self
bank
service
help
transaction
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张炳华
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BEIJING ORIENT XINGHUA TECHNOLOGY DEVELOPMENT Co Ltd
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BEIJING ORIENT XINGHUA TECHNOLOGY DEVELOPMENT Co Ltd
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Priority to CN 200610111417 priority Critical patent/CN101000702A/en
Publication of CN101000702A publication Critical patent/CN101000702A/en
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Abstract

A method for carrying out self-service includes selecting self-service item through bank self-service terminal boundary, fetching user personal status information in IC card by status reader on bank terminal, obtaining user human body biological character by human body character collection unit on bank terminal, carrying out identification and judgment on obtained status information and obtained character information by WEB server, allowing user to finish self-service business if it is judged to be a legal user or otherwise refusing any further self-service operation.

Description

A kind of self-help serving system and method
Technical field
The present invention relates to the Self-Service technology, the especially a kind of self-help serving system and method that can realize real-time interactive.
Background technology
As yet not in China popularizes, the customer-oriented window of bank only is the sales counter of outlet in Computer Applied Technology, and in today that Computer Applied Technology reaches its maturity, the customer-oriented window of bank is also abundant day by day.Bank can provide diversified Self-Service instruments such as telephone bank, Web bank, Mobile banking, Possum to the client, and these all become the direct customer-oriented service window of bank.How Possum gives full play to their effect as the important component part in these means of services, improves their service efficiency, makes it really become the bridge of linking up and serving between bank and the client, has become the focus that commercial bank pays close attention to.Along with China's WTO, financial circles have progressively been gone on the road that integrates with world's finance, and the investment of Possum has been strengthened in each commercial silver provisional capital.How making good use of these expensive equipment, attract client, realize service distributing, has been the major issue that each commercial bank faces.
Along with Possum abundant gradually from the development of line and function, the notion of " convenient bank " begins gradually from self-help bank by independent.According to the position that lays of Possum, can be divided into from the line Self-Service with in the line Self-Service, and more and more be accustomed in the industry calling convenient bank from the line Self-Service.Convenient bank enlarged the bank service room and time, reduced human cost, improved self efficient and dirigibility.Along with quick increasing of banking amount and cost of labor constantly increase, use advanced Possum to replace hand labor that repeat, low value-added, make self-help bank or convenient bank can become truly bank, for the client provides a kind of high efficiency method of service self-service fully, that do not have bank cashier to participate in, the real realization served in 7*24 hour, become the major issue that present each self-service device fabrication merchant faces, this convenient bank truly also is the inexorable trend of banking industry development.
But bank is as important financial institution, and its diversity of operations, uniqueness and security have determined banking can realize the limitation and the unicity of Self-Service in terminal, has caused the bottleneck of Possum development.The Possum of prior art can only be finished the deposit or the withdrawal and part intermediary service, most service for corporate customers and also can not realize unmanned and not have artificial the participation private business.Exactly because and the majority of bank to public affairs to the private professional participation that all needs the cabinet face staff of bank, make most of business not to be transplanted on the Possum and finish.
Chinese invention patent publication number CN1642094A documents discloses a kind of self-service card sending system and method, as shown in Figure 1, this self-service card sending system comprises at least one self-service card sender and a client service center, this self-service card sender comprises an automatic card-issuing device 120 at least, a data scanister 130,130 1 identifying data deriving means 140 of 100, one voice prompting devices of a device for filming image and a computer apparatus 16.This self-service hair fastener method flow diagram as shown in Figure 2.But also there are following problem in this self-service card sending system and method:
Need the client to fill in complicated application form, obtain the data of opening an account by scanister scanning this application table again, for can not fill out these complicate list forms and can not use scanner the people just can not effectively use this Possum, the client of especially inconvenient remote mountain areas uses, and does not also have effectively to solve simultaneously the problem of user identity identification.
Summary of the invention
The problem to be solved in the present invention is to provide a kind of self-help serving system and method.The present invention adopts long-distance video and Audiotechnica, be equipped with the human body biological characteristics collecting device simultaneously, Possum terminal client and visual interchange of banking treatment people real time bidirectional have been realized, need not the client and fill in complicated application form, the client can also obtain banking treatment people real-time voice and remind with regard to the query in the operation, effectively enlarged the use crowd of Possum.
For achieving the above object, the invention provides a kind of bank self-help service method, be used to comprise bank self-help terminal, WEB service end, the bank self-help service system of application server and network is characterized in that, comprising:
Step 1 shows the required self-service business item of selection by the bank self-help terminal interface;
Step 2 is by being arranged on individual subscriber identity information in the identity card reader reading identity card IC-card on the bank self-help terminal;
Step 3 is by being arranged on the human body biological characteristics information that characteristics of human body's harvester on the described bank self-help terminal obtains described user in real time;
Step 4, the WEB service end is discerned judgement to described individual subscriber identity information and the human body biological characteristics information obtained, allow further to provide the transaction interface of selected self-service business for validated user, then refuse to provide further transaction interface for the disabled user;
Step 5, bank self-help terminal send transaction request to the WEB service end, and this WEB service end response is handled and provided the relationship trading interface to finish this self-service business for described validated user.
Above-mentioned bank self-help service method is characterized in that, before described step 3, comprises that also one triggers and to set up bank self-help terminal and the two-way audio/video step of connecting of backstage service end.
Above-mentioned bank self-help service method is characterized in that, also comprises the bluetooth communication step of setting up bank self-help terminal and mobile communication equipment that the user holds.
Above-mentioned bank self-help service method is characterized in that, this human body biological characteristics information in the described step 3 is meant people's fingerprint, iris nethike embrane, sound and/or human face image information.
Above-mentioned bank self-help service method is characterized in that, described step 5 further comprises:
Step 51, the WEB server of backstage service end is transmitted to application server with the simple data connection object that the transaction data of principium identification converts standard to;
Step 52, application server be by to the parsing of transaction message, safety inspection, and restricted inspection, validity check, and data are write down and transmit; This application server uses the simple data connection object of standard to carry out data interaction between each process in inside;
Step 53, described application server and bank carry out the mutual of transaction data, send the transaction request message and receive the transaction response message, finish being transmitted to the WEB server by the simple data connection object that converts standard to behind the record of transaction data and finishing described self-service business so that the user to be provided.
Above-mentioned bank self-help service method is characterized in that, described self-service business comprises: self-service hair fastener business, the nothing self-service business of card and common self-service business.
Above-mentioned bank self-help service method is characterized in that, the simple data connection object of use standard carries out between system and internal system is carried out the transmission of data.
For better realizing goal of the invention, the present invention also provides a kind of bank self-help terminal, comprises self-service/reader device and computer controller, it is characterized in that, at least also comprises:
One user identity identification device is connected with this computer controller, is used to read IC-card user identity card data, and transfers to bank's backstage service end by this computer controller;
One characteristics of human body's harvester is connected with this computer controller, is used to gather user's human body biological characteristics information, and transfers to bank's backstage service end by computer controller.
Above-mentioned bank self-help terminal is characterized in that, also comprises:
One headset is used for setting up self-aided terminal by described computer controller and is connected with the audio frequency of backstage service end;
One camera head is used for setting up self-aided terminal by described computer controller and is connected with the video of backstage service end.
Above-mentioned bank self-help terminal is characterized in that, also comprises a bluetooth receiving and transmitting unit, is used for and other bluetooth equipment communication.
Above-mentioned bank self-help terminal is characterized in that, described human body biological characteristics harvester is fingerprint collector, iris nethike embrane collector, sound collector or image acquisition device.
Above-mentioned bank self-help terminal is characterized in that, described user identity identification device is the IC-card identity card reader.
Above-mentioned bank self-help terminal is characterized in that, described computer controller also connects one provides the Ethernet card that global mobile system connects or code division multiple access system connects.
For further realizing the purpose of invention, the present invention also provides a kind of bank self-help service system, bank self-help terminal, WEB service end, and application server and network is characterized in that, described bank self-help terminal comprises:
One user identity identification device is connected with this computer controller, is used to read IC-card user identity card data, and transfers to bank's backstage service end by this computer controller;
One characteristics of human body's harvester is connected with this computer controller, is used to gather user's human body biological characteristics information, and transfers to bank's backstage service end by computer controller;
Above-mentioned bank self-help service system is characterized in that, described user identity identification device is the IC-card identity card reader.
Above-mentioned bank self-help service system is characterized in that, described human body biological characteristics harvester is fingerprint collector, iris nethike embrane collector, sound collector or image acquisition device.
Above-mentioned bank self-help service system is characterized in that, described backstage service end comprises: the WEB server is used to control the customization function of client; Some service process terminals are used for concrete professional real-time processing; Application server is used for the communication of service process terminal and WEB server.
Above-mentioned bank self-help service system is characterized in that, the system of described application server comprises:
One transaction request processing module is used to handle self-service business transaction request;
One transaction phase response processing module, this resume module transaction response, overtime corresponding comprising handling;
One timeout treatment module stabs to check whether transaction is overtime by time-out time in the interim log sheet, if overtime then send the flowing water that should conclude the business to the transaction response processing module;
The bank message interface module, be responsible for and bank between the group bag of message unpack;
WEB message interface module, be responsible for and WEB between the group bag of message unpack;
Bank's communication module is responsible for and bank's end carries out data communication;
The WEB communication module is responsible for carrying out data communication with the WEB end;
Database interface module, the operation-interface of responsible Relational database;
The flowing water generation module is responsible for unique serial number of every transaction generation in the system.
In described WEB communication module and transaction request processing module, transaction request processing module and bank's communication module, bank's communication module and transaction response processing module, transaction response processing module and WEB communication module, timeout treatment module and transaction response processing module, transaction request processing module and database interface module, transaction response processing module and database interface interface module, timeout treatment and module database interface module all directly adopt standard simple data connection object to carry out the transmission of data with mutual.
Compared with prior art, the present invention can bring following beneficial effect:
The self-service terminal that the present invention adopts is owing to be equipped with advanced human body biological characteristics collecting device and I.D. recognition device, client's True Data of magnanimity not only can be provided for the bank data warehouse by these equipment, and corresponding characteristic information and the automatic comparative analysis of its retention archive information that can arrive collection in worksite, thereby identify and confirm the effective identity of client.Can also realize only needing me just can substitute my bank card by above-mentioned characteristic information, carry out the related service operation, realize not having the function of the professional application of cardization.Need fill in the program of complicated application form in the time of simultaneously also can removing the user applies hair fastener from, can be convenient to use the Self-Service application to bank card, diffuse into the use crowd of Possum greatly for the people that can not fill in application form.
Since self-aided terminal and backstage service end real-time the interaction of two-way audio/video, accept business as true cabinet face, the user can see the bank clerk of far-end by the video window of self-aided terminal, the bank clerk of far-end also can be seen client before Possum by video window, and both sides can carry out voice dialogue, reach the real-time communication function of bank clerk and user, make Possum be built into bank electronic cabinet torus network, substitute or the various front-end business of shunting bank by electronic technology.Make bank enjoy the tremendous economic interests that with low cost and intensive network outlet is brought to the full.
The audio/video interaction that the present invention has adopted, make all Possums of bank nearly all can upgrade to bank's cabinet face-port mouth, traditional bank cabinet face is infinitely extended by network, make the client on Possum, not only can finish self-service business, more can finish other many bankings that can't realize Self-Service, allow client remove from, but can experience the sense of reality and the cordial feeling of front-end business simultaneously to the hardship of cabinet face queuing.
This multi-functional Self-Service multimedia system combines Bluetooth technology and Possum simultaneously, by the Long-distance Control Possum, the Possum operation is further simplified, and need not just can finish individual's business at the enterprising line operate of this Possum in person.Make the bank self-help service have more movability, satisfy people's movable living mode.
System of the present invention makes full use of existing resource and existing mature technology, does not break the existing system framework, system is not brought injury, and is pratical and feasible.
The present invention has simultaneously also defined the simple data connection object of standard, solve the scaling concern of different system and internal system data-interface, the simple data connection object then provides unified interface and method, the expansion of interface data or change is reached systematic influence minimize.
Further describe technical scheme of the present invention below in conjunction with accompanying drawing.
Description of drawings
Fig. 1 is the structured flowchart of present embodiment bank self-help service terminal;
Fig. 2 is a present embodiment Self-Service process flow diagram
Fig. 3 is the self-service hair fastener process flow diagram of present embodiment;
Fig. 4 is the process flow diagram that the embodiment of the invention uses bank card to carry out Self-Service;
Fig. 5 replaces bank card not have the process flow diagram of the self-service business of card with the characteristics of human body;
Fig. 6 is the multi-functional self-help serving system network structure of the embodiment of the invention.
Embodiment
Describe the specific embodiment of the present invention in detail below in conjunction with accompanying drawing:
Fig. 1 is the structured flowchart of present embodiment bank self-help service terminal; With reference to figure 1,
The computer controller 100 that comprises of the present invention, and the touch display 101 that is connected with computer controller, keyboard 102, bank note device 103, identity card reader 104, audio system 105, noncontact IC card read/write device 106, monitoring camera 107, deposit book printers 08, receipt printer 109, with bar printer 110, read/card sender 111, characteristics of human body's collecting device 112, video system 113, headset 114, basket tooth receiving and transmitting unit 115.
Can be by the pay the fees function of module of the cash that described bank note device 103, identity card reader 104 realize not relying on bank card.
Described computer controller 100 also connects with network interface card 116, provides power supply by a uninterruptible power system 117.
Computer controller is the core of whole self-service terminal, has interfaces for external devices such as 29 needle serial ports, 1 PS/2 mouth, video VGA interface, as required expandable multi-user card expansion serial ports.Concrete external device is as follows: the string slogan of multi-serial-port card distributes, because computer controller itself carries 2 serial ports, be respectively COM1 and COM2, so the string slogan of the multi-serial-port card of expansion will begin to distribute from COM3, the COM3 mouth of the corresponding system of the PORT-1 of multi-serial-port card, the COM4 of the corresponding system of PORT-2, and the like.What present embodiment adopted is 8 serial port boards.
Each module of bank self-help service terminal all is a module independently, has only by system software to be applied on computer controller, and they just have relation.Each module all must be by main frame serial ports or PS2 mouth and being connected of USB mouth just be able to normal communication, touch-screen directly is the computer controller power supply, communication connects the serial ports of computer controller; Display is the 220V power supply, and communication connects the VGA mouth of computer controller; Code keypad is the PS2 confession electricity of computer controller, serial communication; The bank note device is the 12V power supply of Switching Power Supply, serial communication; Identity card reader is the USB confession electricity and the communication of computer controller; Headset and picture pick-up device are the 12V power supplies of Switching Power Supply; Noncontact IC card read/write device PS2 confession electricity, serial communication; Monitoring camera is the 12V power supply of Switching Power Supply, the monitor card communication of computer controller; Deposit book printers are 220V power supplies, serial communication; GPRS/CDMA equipment is the Switching Power Supply power supply, serial communication; Receipt printer is the 24V and the 5V power supply of Switching Power Supply, serial communication; With the bar printer is the 24V power supply of Switching Power Supply, serial communication; Card sender is the 24V power supply of Switching Power Supply, serial communication; Characteristics of human body's collector is USB confession electricity and communication; UPS22V input and output, serial communication; Computer controller is the 220V power supply.
Fig. 2 is a self-help service method process flow diagram of the present invention, and with reference to figure 2, this self-help service method may further comprise the steps:
S201 shows the required self-service business item of selection by the bank self-help terminal interface;
S202 is by being arranged on individual subscriber identity information in the identity card reader reading identity card IC-card on the bank self-help terminal;
S203 is by being arranged on the human body biological characteristics information that characteristics of human body's harvester on the described bank self-help terminal obtains described user in real time;
S204, the backstage service end is discerned judgement to described individual subscriber identity information and the human body biological characteristics information obtained, allow further to provide the transaction interface of selected self-service business for validated user, then refuse to provide further transaction interface for the disabled user;
S205, the bank self-help terminal sends transaction request to the backstage service end, and this backstage service end response is handled and is provided the relationship trading interface to finish this self-service business for described validated user.
Described step 205 further comprises:
Step 2051, the WEB server of backstage service end is transmitted to application server with the simple data connection object that the transaction data of principium identification converts standard to;
Step 2052, application server be by to the parsing of transaction message, safety inspection, and restricted inspection, validity check, and data are write down and transmit; This application server uses the simple data connection object of standard to carry out data interaction between each process in inside;
Step 2053, described application server and bank carry out the mutual of transaction data, send the transaction request message and receive the transaction response message, finish being transmitted to the WEB server by the simple data connection object that converts standard to behind the record of transaction data and finishing described self-service business so that the user to be provided.
Before described step 203, comprise that also one triggers and to set up bank self-help terminal and the two-way audio/video step of connecting of backstage service end.
Above-mentioned bank self-help service method also comprises the bluetooth communication step of setting up bank self-help terminal and mobile communication equipment that the user holds.
Below respectively with self-service hair fastener business, use human body biological characteristics to replace the nothing of bank card to block self-service business and common self-service business describes Self-Service flow process of the present invention in detail as example:
Fig. 3 is the self-service hair fastener process flow diagram of present embodiment, and with reference to figure 3, this method may further comprise the steps:
S301 shows the self-service business service item of selection hair fastener according to the bank self-help terminal interface;
S302 is by being arranged on individual subscriber identity information in the identity card reader reading identity card IC-card on the bank self-help terminal.
S303 triggers the two-way video/audio interaction of setting up bank self-help terminal and backstage service end and is connected.
This step bank backstage service end can be carried out the interaction of real time bidirectional audio/video with self-aided terminal, can gather client's sound and image feature information storage simultaneously.
S304, collection in worksite user facial image and IC-card identity card picture are compared automatically, carry out client identity identification, this step can be gathered other human body biological informations of client simultaneously and be stored, for using human body biological characteristics to replace bank card to carry out other self-service business behind the hair fastener;
S305, the backstage service end is discerned judgement to described individual subscriber identity information and the human face image information obtained, allow further to provide the self-service hair fastener business transaction of selection interface for validated user, then refuse to provide further business transaction interface for the disabled user;
S306, to validated user, self-service hair fastener transaction request is sent to described bank backstage service end, and this backstage service end responds described transaction request, provides corresponding display interface to finish this self-service hair fastener business for user's operation.
Fig. 4 is the process flow diagram that the embodiment of the invention uses bank card to carry out Self-Service, and with reference to figure 4, the method for this Self-Service specifically may further comprise the steps:
S401, at the bank self-help service terminal, the user inserts bank card according to interface display, selects the Self-Service project;
S402 is by being arranged on individual subscriber identity information in the identity card reader reading identity card IC-card on the bank self-help terminal;
S403 triggers the two-way video/audio interaction of setting up bank self-help terminal and backstage service end and is connected;
S404 is by being arranged on the human body biological characteristics information that characteristics of human body's harvester on the bank self-help terminal obtains described user in real time;
S405, the backstage service end is discerned judgement to described individual subscriber identity information and the human body biological characteristics information obtained, allow further to provide user-selected self-service business transaction interface for validated user, then refuse to provide further transaction interface for the disabled user;
S406 to validated user, sends transaction request to described bank backstage service end, and this backstage service end responds described transaction request, provides corresponding display interface to finish this self-service business for user's operation.
Fig. 5 replaces bank card not have the process flow diagram of the self-service business of card with the characteristics of human body.With reference to figure 5, the self-service operational approach of this nothing card may further comprise the steps:
S501, according to bank self-help service terminal interface display, the user selects to replace with the characteristics of human body the no card Self-Service project of bank card;
S502 is by being arranged on individual subscriber identity information in the identity card reader reading identity card IC-card on the bank self-help terminal;
S503 triggers the two-way video/audio interaction of setting up bank self-help terminal and backstage service end and is connected, and this process bank backstage service end can provide the real-time interactive voice guide in any query that operating process runs into to the self-aided terminal user;
S504 gathers this client's human body biological characteristics and this client's human body biological characteristics comparison that is kept in the banking data base, and described human body biological characteristics can be user's fingerprint, iris nethike embrane, sound and/or a facial image etc.;
S505, the backstage service end is discerned judgement to described individual subscriber identity information and the human body biological characteristics information obtained, for confirming no card business validated user, the operation interface of related service further is provided simultaneously, then refuse to show further operation interface for the disabled user;
S506 after the bank self-help service terminal finds this user's account, sends transaction request to described bank backstage service end to validated user, and this backstage service end responds described transaction request, and corresponding operation display interface is finished this self-service business for user's operation.
Fig. 6 is the multi-functional self-help serving system network structure of the embodiment of the invention, with reference to figure 6, this self-help serving system adopts current industry popular B/S structure, it comprises: bank self-help service terminal 601, network 602 and backstage service end 603, described backstage service end comprises: WEB server 6031, be used to control the customization function of client, control most transaction flow, be responsible for organizing data and application server communication etc.; Some service process terminals 6033 are used for concrete professional real-time processing; Application server 6032 is used for the communication of service process terminal and WEB server; Network is bank self-help service terminal and self-help bank's backstage service end WEB server network communication system.
Above-mentioned bank self-help service terminal is no longer controlled transaction flow in total system, and foot starts browser and the WEB server links, described WEB server is as the self-aid system front end processor of bank's backstage service end, so not only user interface is vividly fresh and alive, and can increase and the system version renewal by auto-complete function.
The WEB server will no longer be a function singleness in application, and " static state " WEB server of customer information inquiry only is provided.It will control most transaction flow, for the client provides " dynamically " that have more practicality and interactivity service, and be responsible for organizing the function of data and host communication.It mainly finishes function: trigger and begin according to customer demand and conclude the business; The transaction flow of control client; Provide real-time help and prompting according to the client trading situation for the client; Information searching function is provided; The application software upgrade of control client; The customization function of control client; Be responsible for tissue, receive data and host communication.
The WEB server OS is Sco Unix 5.0.5, adopts Tomcat that WEB is provided service.The client chooses seeds and then is linked to the respective transaction page after certain is concluded the business, and the page is made of HTML, JSP, ActiveX, JScript, Servlet.Wherein, HTML realizes basic, static customer interface, and bitmap, text (such as user's operation indicating) and password input frame etc. can be provided.JSP is responsible for realizing dynamically generating the conversion fraction in the page, is mainly used in the control transaction flow, observably points out client next step this to carry out which type of operation, informs that client trading carries out situation and shows last trade result etc.ActiveX control is write with VC++.When browser handles has the webpage of ActiveX control, at first detect local machine and whether downloaded and registered this control, if not then download, or the version of renewal is arranged, down loading updating then, otherwise do not download.ActiveX control can be accepted to call after downloading to this locality, and moves on local machine.By using ActiveX control can break through the restriction of Java Applete security, can call local resource, so just can control the equipment of BST, read-write local file system, read-write serial paralled interface by ActiveX.Simultaneously because of ActiveX control under the situation that version is not upgraded, only need download once, can greatly reduce network pressure.JScript is carried out by browser-interpreted, and it is responsible for calling ActiveX and receives it and returns, and realizes the overhead control to the client transaction flow.Servlet receives the data that the client brings in service end, organizes transaction once to communicate by letter with communication interface or main frame, returns to client.
On the WEB server, use the long-range front-end business disposal system of bank that has JSP to develop, realize that communication processing, data recording and the multimedia application forms of vision signal, voice signal and other related data information of client and far-end bank front-end business treatment people show.That finishes that long-range front-end business connects waits in line and shunts automatically function.
The whole control process of WEB application system is to coordinate to finish function mutually by a plurality of allocation lists." allocation list " is the control center that the WEB application system runs well, and is divided into service end, client two parts.Being configured to of service end: screen portions, packing unpack, data shaping, communication, database; The configuration of client mainly is at equipment and transaction.
Consider homogeneity and interconnecting property with existing bank related system, adopt the connectivity scenario of Tcp/Ip; For reduce bank investment as far as possible, the connected mode of system is continued to use existing site connection mode substantially, need not to carry out new input on the line, adopt the LAN (Local Area Network) mode to link to each other, connect by Tcp/Ip or other (can adjust) agreements according to bank's actual conditions with main frame; Multi-media self-helping service all-in-one is that router, DDN etc. link to each other with WEB server (front end processor) by original bank outlets circuit, links to each other with main frame by WEB server (front end processor) then again, and agreement adopts Tcp/Ip equally.The bank clerk that has far-end business processing authority can be furnished with in arbitrary bank internal lan and land on the PC of video frequency collection card and operation makes its PC become the far-end service process terminal.
The application server of described backstage service end is mainly used in, and resolves the literary composition of delivering newspaper on the WEB end; Convert bank side's message to; Carry out coherence check, audit, verification; The record stateful transaction, data, environment; Realize bank's relationship trading function.It comprises:
The transaction request processing module, this module is mainly handled transaction request.The transaction request message is resolved (application of simple data connection object), the inspection of corresponding data, the inspection of transaction legitimacy, data encrypting and deciphering is handled, and the filling of necessary data converts bank's end message to; Transaction phase response processing module, this module is mainly handled the transaction response.Wherein overtimely also handle as a kind of response.To conclude the business response message and request message mates, the record of transaction data, and the answer code conversion converts WEB end message to; The timeout treatment module stabs to check whether transaction is overtime by time-out time in the interim log sheet, if flowing water overtime then that send concluding the business responds processing to transaction; The bank message interface module, be responsible for and bank between the group bag of message unpack; WEB message interface module, be responsible for and WEB between the group bag of message unpack; Bank's communication module is responsible for and bank's end carries out data communication; The WEB communication module is responsible for carrying out data communication with the WEB end; Database interface module, the operation-interface of responsible Relational database; The flowing water generation module is responsible for unique serial number of every transaction generation in the system.
Described WEB communication module and transaction request processing module, transaction request processing module and bank's communication module, bank's communication module and transaction response processing module, transaction response processing module and WEB communication module, timeout treatment module and transaction response processing module, transaction request processing module and database interface module, transaction response processing module and database interface interface module, timeout treatment and module database interface module all directly adopt standard simple data connection object to carry out the transmission of data with mutual.
Above-mentioned standard simple data connection object (Simple Data Transfer Object, SDTO) be custom-designed for realizing between the different system data transmission and internal system data transmission, the safe coefficient difference that it needs in transmission course at data, can carry out various encryptions to data, simply can expressly show, the BASE64 coding, des encryption, rsa encryption, and can carry out the computing of one-way hash algorithm to data, generate MD5 data check value.
The simple data connection object has defined as lower interface and has realized its function in the present invention:
The initialization of data node object
int?NodeInit(NODE **_node);
The data node adds
int?NodeAdd(NODE *_node,const?char *_name,const?int_type,constchar *_data,const?int_len);
The inquiry of data node
int?NodeQuery(NODE *_node,const?char *_name,NODE **_outnode);
The data node is revised
int?NodeModify(NODE *_node,const?char *_name,const?int_type,constchar *_data,const?int_len);
Data node data query
int?NodeDataQuery(NODE *_node,const?char *_name,char *_data,int *_len);
The data node deletion
int?NodeDelete(NODE *_node,const?char *_name);
Data node storehouse is pressed into
int?NodePush(NODE *_node,const?char *_name,const?char *_data,constin_len);
Data node storehouse ejects
int?NodePop(NODE *_node,char *_name,char *_data,int *_len);
Data node object discharges
int?NodeFree(NODE **_node);
The data node empties
int?NodeClear(NODE **_node);
The data node is printed
int?NodePrint(NODE? *_node,const?char? *_reason,const?char *_prefix,FILE *_fd);
The data node keeps track
int?NodeTrace(NODE? *_node,const?char? *_reason,const?char *_filename);
The packing of data node
int?NodePack(NODE *_node,char *_data,int *_len,char *_type);
The data node unpacks
int?NodeUnPack(NODE *_node,const?char *_data);
The data node duplicates
int?NodeCopy(NODE *_nodeto,NODE *_nodefrom);
After packing data.Comprise following related content, data length, simple data connection object sign, MD5 check mark, cryptographic algorithm sign, data element number, data element length, data element.
The data of transmitting between system's distinct device are preserved as an element of a data set, in the advance conversion of line data of transmission course, data convert character string in order to, after being transferred to the other side, carry out the conversion of data according to agreement, data are reformulated a data set, can carry out the extraction of data according to index.The standard simple data connection object of the present invention definition solves the scaling concern of different system and internal system data-interface, and unified interface and method is provided, and the expansion of interface data or change is reached systematic influence minimize.
Certainly; the present invention also can have other various embodiments; under the situation that does not deviate from spirit of the present invention and essence thereof; those of ordinary skill in the art work as can make various corresponding changes and distortion according to the present invention, but these corresponding changes and distortion all should belong to the protection domain of the appended claim of the present invention.

Claims (17)

1, a kind of bank self-help service method is used to comprise it is characterized in that the bank self-help service system of bank self-help terminal, backstage service end and network, comprising:
Step 1 shows the required self-service business item of selection by the bank self-help terminal interface;
Step 2 is by being arranged on individual subscriber identity information in the identity card reader reading identity card IC-card on the bank self-help terminal;
Step 3 is by being arranged on the human body biological characteristics information that characteristics of human body's harvester on the described bank self-help terminal obtains described user in real time;
Step 4, the backstage service end is discerned judgement to described individual subscriber identity information and the human body biological characteristics information obtained, allow further to provide the transaction interface of selected self-service business for validated user, then refuse to provide further transaction interface for the disabled user;
Step 5, bank self-help terminal send transaction request to the backstage service end, and this backstage service end response is handled and provided the relationship trading interface to finish this self-service business for described validated user.
2, bank self-help service method according to claim 1 is characterized in that, before described step 3, comprises that also one triggers and to set up bank self-help terminal and the two-way audio/video step of connecting of backstage service end.
3, bank self-help service method according to claim 1 is characterized in that, also comprises the bluetooth communication step of setting up bank self-help terminal and mobile communication equipment that the user holds.
4, bank self-help service method according to claim 1 is characterized in that, this human body biological characteristics information in the described step 3 is meant people's fingerprint, iris nethike embrane, sound and/or human face image information.
5, bank self-help service method according to claim 1 is characterized in that, described step 5 further comprises:
Step 51, the WEB server of backstage service end is transmitted to application server with the simple data connection object that the transaction data of principium identification converts standard to;
Step 52, application server be by to the parsing of transaction message, safety inspection, and restricted inspection, validity check, and data are write down and transmit; This application server uses the simple data connection object of standard to carry out data interaction between each process in inside;
Step 53, described application server and bank carry out the mutual of transaction data, send the transaction request message and receive the transaction response message, finish being transmitted to the WEB server by the simple data connection object that converts standard to behind the record of transaction data and finishing described self-service business so that the user to be provided.
6, bank self-help service method according to claim 1 is characterized in that, described self-service business comprises: self-service hair fastener business, the nothing self-service business of card and common self-service business.
7, a kind of bank self-help terminal comprises self-service/reader device and computer controller, it is characterized in that, at least also comprises:
One user identity identification device is connected with this computer controller, is used to read IC-card user identity card data, and transfers to bank's backstage service end by this computer controller;
One characteristics of human body's harvester is connected with this computer controller, is used to gather user's human body biological characteristics information, and transfers to bank's backstage service end by computer controller.
8, bank self-help terminal according to claim 7 is characterized in that, also comprises:
One headset is used for setting up self-aided terminal by described computer controller and is connected with the audio frequency of backstage service end;
One camera head is used for setting up self-aided terminal by described computer controller and is connected with the video of backstage service end.
9, bank self-help terminal according to claim 7 is characterized in that, also comprises a bluetooth receiving and transmitting unit, is used for and other bluetooth equipment communication.
10, bank self-help terminal according to claim 7 is characterized in that, described human body biological characteristics harvester is fingerprint collector, iris nethike embrane collector, sound collector or image acquisition device.
11, bank self-help terminal according to claim 7 is characterized in that, described user identity identification device is the IC-card identity card reader.
According to the described bank self-help terminal of claim 7, it is characterized in that 12, described computer controller also connects one provides the Ethernet card that global mobile system connects or code division multiple access system connects.
13, a kind of bank self-help service system, bank self-help terminal, backstage service end and network is characterized in that, described bank self-help terminal comprises:
One user identity identification device is connected with this computer controller, is used to read IC-card user identity card data, and transfers to bank's backstage service end by this computer controller;
One characteristics of human body's harvester is connected with this computer controller, is used to gather user's human body biological characteristics information, and transfers to bank's backstage service end by computer controller;
14, bank self-help service system according to claim 12 is characterized in that, described user identity identification device is the IC-card identity card reader.
15, bank self-help service system according to claim 12 is characterized in that, described human body biological characteristics harvester is fingerprint collector, iris nethike embrane collector, sound collector or image acquisition device.
16, bank self-help service system according to claim 12 is characterized in that, described backstage service end comprises: the WEB server is used to control the customization function of client; Some service process terminals are used for concrete professional real-time processing; Application server is used for the communication of service process terminal and WEB server.
17, bank self-help service system according to claim 15 is characterized in that, the application system of described backstage service end comprises:
One transaction request processing module is used to handle self-service business transaction request;
One transaction phase response processing module, this resume module transaction response, overtime corresponding comprising handling;
One timeout treatment module stabs to check whether transaction is overtime by time-out time in the interim log sheet, if overtime then send the flowing water that should conclude the business to the transaction response processing module;
The bank message interface module, be responsible for and bank between the group bag of message unpack;
WEB message interface module, be responsible for and WEB between the group bag of message unpack;
Bank's communication module is responsible for and bank's end carries out data communication;
The WEB communication module is responsible for carrying out data communication with the WEB end;
Database interface module, the operation-interface of responsible Relational database;
The flowing water generation module is responsible for unique serial number of every transaction generation in the system;
In described WEB communication module and transaction request processing module, transaction request processing module and bank's communication module, bank's communication module and transaction response processing module, transaction response processing module and WEB communication module, timeout treatment module and transaction response processing module, transaction request processing module and database interface module, transaction response processing module and database interface interface module, timeout treatment and module database interface module all directly adopt standard simple data connection object to carry out the transmission of data with mutual.
CN 200610111417 2006-01-09 2006-08-16 Self service system and method Pending CN101000702A (en)

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