CN101599196A - ATM (Automatic Teller Machine) - Google Patents
ATM (Automatic Teller Machine) Download PDFInfo
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- CN101599196A CN101599196A CNA2009101490172A CN200910149017A CN101599196A CN 101599196 A CN101599196 A CN 101599196A CN A2009101490172 A CNA2009101490172 A CN A2009101490172A CN 200910149017 A CN200910149017 A CN 200910149017A CN 101599196 A CN101599196 A CN 101599196A
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Abstract
Financial transaction apparatus (30) comprises financial transaction machine (32).This machine comprises device (34), and it comprises the financial transaction device (42,44,46,48) that is used to realize the operation relevant with financial transaction.Terminating machine comprises imaging device (50) and acoustic input dephonoprojectoscope (52), visual output unit (36) and voice output (54).Terminating machine (32) is connected on the computing machine (68) relevant with data-carrier store (70).Determine the client identity of operating machines by differentiating first identity data.Second identity data then by processor according to being differentiated from voice signal corresponding to the acoustic input dephonoprojectoscope of user voice.
Description
The application divides an application, and the application number of its original bill application is 98811188.8, and the applying date is on November 19th, 1998, and denomination of invention is " financial transaction apparatus and the method for identification authorized user appearance and sound ".
Technical field
The present invention relates to realize the device and the system of financial transaction.More precisely, the present invention relates to the financial transaction apparatus of discerning authorized user according to user's appearance and sound.
Background technology
Financial transaction system is well-known in prior art.The universal class of financial transaction system comprises auto-teller (ATMs, or ATM (Automatic Teller Machine)).Auto-teller can be used to handle such as drawing deposits from the account, and transfer fund between the account is deposited in the account, deposit account inquiry into balance and depend on the banking of other types of transaction of auto-teller ability.
Comprise auto-teller and state the ability of preparing to have the valuable article except that allotting cash at interior financial transaction terminal.These class article comprise traveller's check, token, ticket, stamp and voucher etc.
In the past, the client is to allowing auto-teller and other financial transaction machine discern theirs with a card.The coded data that representative of consumer and/or their account number are arranged on this card.In addition, from blocking sense data, further require input to improve security corresponding to blocking the person identfication number sign indicating number (PIN) of going up coded data uniquely by auto-teller then.Data when conforming on person identfication number sign indicating number and card only, auto-teller just allow the user further to operate machines to manage business.
Developed the card that comprises integrated circuit (IC) chip.These so-called " smart cards " on chip relevant for user and/or their account's information.Said chip also can have data that card is gone up storage and verify its ability that whether conforms to by the client between the PIN number of financial transaction terminal input.Also can will represent that the data storage of cash value is on chip.Although smart card can provide more function and improve the peace gold.But be substantially similar to the card of on tape, encoding or passing through other method coding in the operation aspect the financial transaction machine.
In recent years, proposed to adopt method except that coding card and the PIN data to discern the authorized user of financial transaction machine.The method that has proposed comprises that employing fingerprint reads technology, and the available electron method reads user's fingerprint correctly to discern authorized user whereby.The shortcoming of this method be cost than higher, keep fingerprint read the district cleanliness and may propagate communicable disease.Employing iris scan technology was also proposed in addition.This technology is to discern authorized user by the unique patterns that the iris with eyeball interrelates, and when using this technology, when the user wishes to operate machines, just requires user's eyes to see facing to the scanister in the financial transaction machine.
Above-mentioned two kinds of identification users' method is often suffered client's resistance.This is because many users wish to protect their private secret, does not wish that handle relates to their fingerprint or the information of eyeball feature offers the third party.Often worry that this information can be abused.Users are reluctant they are controlled oneself to be exposed to read the finger or the instrument of eyeball feature mostly.Although firm basis does not have some still to worry to be exposed to this instrument and may have injury.As a result, the user is exactly the above-mentioned recognition methods of being reluctant to accept to be used for the financial transaction device sometimes.
The operator of financial transaction system also wishes when the user is handling their transaction business, can promote the sale of goods to the user of financial transaction machine and service is provided.Yet in the past, above-mentioned sale is very ineffective.This is because the interest difference of machine customer.And what offer all users all is the information of same product.To the uninterested user of providing product information, provide information just to become the thing of trouble.
Therefore, people need such financial transaction apparatus and method, and promptly it should provide the security of enhancing, and don't invade user's privacy or want them to be exposed to them and think to have potential nocuous device.Also need in addition and can give the user product distribution selectively, can point out the user to instruct the financial transaction apparatus of operating equipment by Voice ﹠ Video again simultaneously.
Summary of the invention
An object of the present invention is to provide a kind of financial transaction apparatus.
Another object of the present invention provide a kind of can be by their appearance and the sound characteristic financial transaction apparatus of discerning authorized user.
Another object of the present invention provides a kind of financial transaction apparatus that can discern authorized user according to the degree of correlation between health appearance and the sound characteristic.
Another object of the present invention provide a kind of can be by health appearance or sound characteristic, or discern the financial transaction apparatus of authorized user with the method for importing by artificial (manually).
Another object of the present invention provides and a kind ofly guides the user to finish the financial transaction apparatus of transaction with auditory tone cues.
Another object of the present invention provide a kind of can be according to user's hobby, with auditory tone cues or guide the user with visual cues and finish upright easy financial transaction apparatus.
Another object of the present invention provides a kind of hobby data according to the user, selectively market product is promoted financial transaction apparatus to the user.
Another object of the present invention provides a kind of data of collecting subscriber-related hobby selectively, user image data and user voice data, and use above-mentioned information and discern the user, and selectively market product is promoted financial transaction apparatus to the user.
Another object of the present invention provides a kind of data according to client's hobby, offers user's financial transaction apparatus by multimedia.
Another object of the present invention provides a kind of financial transaction apparatus that comprises the financial transaction machine that the noncash ticket that can be used for exchange for products can be provided.
Another object of the present invention provide a kind of by user voice input by the financial transaction apparatus of being imported.
Another object of the present invention provides a kind of method that is used to operate financial transaction apparatus, and this method is discerned the user according to the degree of correlation of view data and voice data.
Another object of the present invention provides a kind of method that is used to operate financial transaction apparatus, and this method is supplied to the user to the information that relevant product is sold selectively according to the consumer taste data.
Another object of the present invention provides a kind of method that is used to operate financial transaction apparatus, and this method comprises a sequence of operation, and wherein financial transaction machine is exported to the user to acoustic information, and accepts sound instruction from the user.
Another object of the present invention provides a kind of method that is used to operate financial transaction apparatus, and wherein the user can operate financial transaction machine by sound input or artificial (craft) input selectively.
Other purpose of the present invention will be perfectly clear by the elaboration in following realization optimal mode of the present invention and the appended claims.
In most preferred embodiment of the present invention, reach aforesaid all purposes by the equipment that comprises a financial transaction machine.This machine comprises and is used to provide image imaging device input, the such class of for example video camera; This machine also comprises the acoustic input dephonoprojectoscope that is used to provide audio input signal.But this machine also comprises the input media of the manual mode operation of a class as card reader and keyboard in addition, and as display screen and voice loudspeaker the output unit of a class.
Financial transaction machine and assembly thereof and computing machine interlock running.The aforementioned calculation machine is connected on the data-carrier store.Data-carrier store comprises the data corresponding to numerous authorized users of financial transaction machine.Comprising the recognition data to each user in the user data, for example may be the exclusive number that is equivalent to this user's social insurance number or account number and so on.Data-carrier store also comprises and the corresponding data of user's macroscopic features, and with the corresponding voice data of user voice feature.Data-carrier store preferably also comprises the data of representing each user to purchase commodities and like.
Also be stored in the data-carrier store and with computing machine interlock running be that representative can be sold data for the product that the product that the user buys is sold.The said goods is sold and is comprised that the client can sell by commodity or service that financial transaction machine is bought.Data-carrier store also comprises the audio-visual data that is intended to cause to various products sale purchase interest.
In the financial transaction machine running, when client's convergence machine, will detect their arrival.Machine generates image input signal according to client's macroscopic features, and generates audio input signal according to client's sound characteristic.Computing machine or other processors judge according to above-mentioned signal and the information in the data-carrier store whether client's appearance conforms to an authorized user.Computing machine judges according to audio input signal whether client's sound conforms to authorized user.If video and voice data have enough degrees of correlation, so computing machine is judged to point out that the client before machine is the user of one (and only this) approval.As long as appearance conforms to voice data, just allow this user's operation to adorn as the trading function of a machine part.Perhaps, if fully verify this user inadequately from the fiduciary level of appearance and voice data, just point out this client by manual operating means on the machine, for example card reader and/or keyboard are imported recognition data.
In case oneself is identified and has told client's recognition data the machine client, just determine client's hobby data according to the data of selling in the data-carrier store.Select product to sell data based on client's hobby data by computing machine then.By financial transaction machine prospective users can interested relevant product sale information be offered the user.In most preferred embodiment, make the user carry out the relevant item of buying by sound input instruction machine.Perhaps, the client also can select to operate machines by artificial input quietly.
When the client had chosen product of purchase, the computer starting financial transaction machine was to offer ticket of client, other ticket that voucher or representative products are sold.When the client was just waiting for that above-mentioned object is paid, computing machine also provided audiovisual output to the client, and the content of these outputs is the purchases according to the client, expected to make that client is interested provides.
The user of financial transaction machine can also handle usually the banking of other type that can finish by auto-teller.Yet, under described equipment can the situation by appearance and sound input identification user, and do not require that client's input card or PIN data finish above-mentioned transaction.In case transaction is finished, the client just can take the article of allotting out from financial transaction machine away and leave.In case the client leaves machine and goes.Equipment is just got ready for other clients manage business.
Description of drawings
Fig. 1 is the synoptic diagram of the financial transaction apparatus of most preferred embodiment of the present invention.
The flow chart of the example that Fig. 2-the 6th, user conclude the business with the financial transaction treatment facility.
Fig. 7-16 is illustrated in as an example the transaction, to with the synoptic diagram of the Voice ﹠ Video input and output of making from equipment of the present invention, in example, promoting and giving user's product is the paper money of various concerts, Figure 16 is in above-mentioned process of exchange, the content of the various different audio frequency output of being made by this equipment.
Embodiment
With reference to accompanying drawing,, summarize the financial transaction apparatus of representing of the present invention with 30 shown in the figure especially with reference to Fig. 1.Equipment 30 comprises the financial transaction machine of representing with 32.As shown in FIG., but machine 32 is one can realize various bankings and the auto-teller that can sell the voucher of paper money or exchange for products.In a further embodiment, machine 32 may be the financial transaction machine of another kind of type, and for example, ticket printer, token distribution device, cash dispenser must verify maybe whether the user is the machine of other type of authorized user.
Comprise multiple device 34 in the machine 32.Device 34 may be the display screen 36 of CRT or similar output unit.The input media that comprises the manual mode operation of keypad 38 and card reader (reading machine, down together) 40 is included within the machine 32.Keypad 38 can be alphanumeric type similar to phone keypad or the keyboard that is similar to typewriter.Card reader 40 can be to be applicable to a kind of in several universal classes of reading of data from the card of user input.Card reader 40 also can be to be applicable to read cassette smart card or the two reading machine.
In financial transaction machine 32 all the device 34 by interface 60 be connected to one or multichannel with on 58 communication buss of representing.Each interface is suitable for specific device separately.Communication bus 58 and processor 62 interlock runnings.Processor 62 can comprise one or more processors or separate computer.This processor sends message (information, down with) to each device and from their reception information and the operation of controlling them.Operate with the 64 data-carrier stores interlocks of representing among processor 62 and the figure.Data-carrier store 64 is included in financial transaction machine 32 used instruction in service and out of Memory.Must be understood that, although in the illustrated embodiment, financial transaction machine is connected with processor and external data memory with outer computer, but embodiments of the invention also can be placed in all the professional required processing and the hardware and software of data storage within the machine 32.
As shown in Figure 1, computing machine 68 has output related with it and input media.The display 74 of machine is as output unit.Keyboard 76 and Genius mouse 78 are separately as input media.
In the drawings usually with 80 entry terminals of representing also with network 72 running that links effectively.Entry terminal 80 comprises the input media that comprises keyboard 82 and Genius mouse 84.Entry terminal 80 also comprises the output unit that comprises display 86 and loudspeaker 88.Video camera 90 and microphone 92 also are comprised in an interior part as entry terminal 80.Entry terminal 80 can be pressed the mode that articles and opinions state and be used to import user data.
In service in system, data-carrier store 70 is preserved the user data of the authorized user that relates to equipment.Above-mentioned user data comprises the user ID data of the specific user in the recognition system.User ID data preferably includes and the corresponding view data of the macroscopic features of each authorized user.View data can obtain by the facial and/or upper part of the body of video camera 50 observations near the user of machine.In one embodiment of the invention, to use the facial recognition software that is called Facelt (R) with user's macroscopic features data and be stored in the data-carrier store, above-mentioned software can be buied from Wei Xiao Nyx Co., Ltd (Visionics Corporation) on market.
Data-carrier store 70 also comprises the voice data of relevant authorized user.Voice data comprises the sound characteristic of authorized user and the particular password of being selected by the user.In one embodiment of the invention, rel promise that can available Billy scholar on the application market is taken off and Ha Yousipi (Lernout; Hauspie) company's automatic speech recognition software generates and the voice data of storing relevant user.
Be stored in user data in the data-carrier store and also comprise relevant each user's account data.Above-mentioned account data preferably comprises and each user-dependent account number, and the account information of other data that interrelate about remaining sum and other and savings, check, credit card and other accounts.Can store above-mentioned information by the mode of the financial business disposal system that is generally used for operating auto-teller or point of sale (POS) terminal.Can above-mentioned information be input in the data-carrier store 70 above-mentioned input media or directly or by network 72 be connected on the computing machine 68 by the input media that is similar to keyboard 76 and Genius mouse 78.
Data-carrier store 70 also comprises product sale data.Product is sold the commodity that data comprise that representative can be bought for the authorized user of machine 32 or the product data of service.The said goods is sold data can comprise for example relevant concert ticket, or token, and complimentary ticket or other can exchange the information of the voucher of commodity and service for.Data-carrier store preferably also comprises relate to the audiovisual briefing material that the client may select the product bought to sell on machine.
Data-carrier store 70 preferably also comprises the data of the various hobbies that authorized user is used.On behalf of the interested product of authorized user meeting, the data of described user's hobby preferably include sell the information of type.For instance, above-mentioned consumer taste data can comprise the hobby of connection music and the hobby of other products, estimate that promptly authorized user can interested commodity and COS.The said goods hobby data can be the data of being liked and being disliked by the expression that each user provides.Perhaps, about the data of client hobby can comprise demography and other data that are stored in the data-carrier store, therefrom can analyze the user and like substantially and what is disliked.Computing machine 68 comprises the canned data according to institute, and selection may be to the program of user's interest product sale.
Though in the embodiment of native system, data-carrier store 70 is described as preserving the storer of user data, but must be understood that, data-carrier store 70 can be made up of the relevant data-carrier store in several and several discrete process unit, and they move with storage by rapport and reproduce (recovery) user data.Perhaps, the data-carrier store in financial transaction machine 32 64 can be stored some or all user data and system moves needed program information.
Before the financial transaction apparatus operation.According to the mode that is generally used for the financial transaction disposal system, the account data of relevant authorized user is input in the data-carrier store 70.And sell relevant information with product and can be presented at mode on machine 32 display screens 36 according to making.The data that product is sold also are input to data-carrier store.As mentioned below, the said goods is sold data can comprise various dissimilar concerts on the horizon, the concert place, and admission fee and other are chosen the information of decision about the client.
Audio-visual information also is stored in the data-carrier store.For instance, above-mentioned audio-visual information can be Active-Movie compression standard (MPEG) file, and it wraps concert performer's Music Television (MTV), and the paper money of their concert can be buied by machine 32 this moment.The also available data necessary of data- carrier store 70 and 64 is programmed to such an extent that financial transaction machine 32 can be operated as auto-teller, and the various accounts that relevant loan information are sent to clients.
By being similar to the terminal of entry terminal 80 or entry terminal 94, the data of customer image data, voice data and consumer taste are input in the data-carrier store 70.Preferable is that computing machine 68 can respond a profile that is stored in the data-carrier store 70 and obtain program (profile acquisition routine) and transmission information.This profile obtains program can obtain user data from the user of operating terminal 80 or 94.For example, as long as the user is in the position of terminal 80 regulations, the user will obtain program by this profile and obtain prompting, will discern them and import as the system authorization user's data.Above-mentioned data can comprise for example account number or the social insurance number by keyboard 82 inputs.In addition, in order to strengthen the peace gold, can also point out the client to import their PIN by keyboard.
Can point out the user to watch display 86 attentively by display 86 or by loudspeaker 88.Video camera 90 is the facial identification of Facelt (R) video camera of a Wei Xiao Knicks company (Visionics Corp.) that is commercially available in most preferred embodiment, it obtains the face with the user, head and/or the corresponding image input signal of appearance above the waist, and with above-mentioned data storage in data-carrier store 70.After this, user data obtains program start, by loudspeaker 88 or display 86, and the order of prompting subscriber's outlet.This password is preferably selected by the user, can be any word or phrase.When the user says password, gather his or her sound by microphone 92.Handled by computing machine 68 by the audio input signal that microphone 92 generates, and it is stored in the data-carrier store 70 by the voice recognition software.
Preferable is that data are obtained software and also pointed out the user that the information that may be used to set up the consumer taste data is provided.Above-mentioned consumer taste data can comprise demographic data, the music interest data, and economic data and other may be to the useful data of determining that the user likes or dislikes.For obtaining the user in the cooperation that provides aspect the consumer taste data accurately, available such as freely deposit or promotional item thing reward the user.
In the process of above-mentioned information is provided, may require oral some problem of replying of user.Preferablely be, these oral data that can not only be used to produce subscriber-related hobby of replying, but also making the voice recognition software can access the data that further can recognize user voice exactly, profile obtains that program preferably can fully be obtained essential consumer taste data and recommends the client so that selectively product is sold.These data obtain program also preferably can fully obtain essential sound and view data, so that verify user's identity by his or her appearance and sound.
The user can be at subbranch of bank or kindred organization's operating terminal 80.At such mechanism place, customer service agent can help the user in the operating aspect of terminal, or the procurator can operate machines to obtain this customer image and voice data, and perhaps, the prompting that provided by terminal operating terminal alone can be provided the user.
In some cases, system user to go to terminal 80 can with the place may be inconvenient.Perhaps, the user may would rather keep bigger private secret, thereby provides needed user data from a remote site.This can the like remote terminal 94 such terminals of application examples accomplish.For example, remote terminal 94 can be the user personal computer in user's family or office.Such terminal can connect for the Internet of representative or other wide area network by network among the figure 112.Certainly when the client can provide user data by this way, application encipher and other safety technique to protect the private secret of client and to make the danger of being swindled reduce to minimum.
Flow chart among Fig. 2-6 shows the logical program block diagram of implementing according to financial transaction apparatus of the present invention.Logical program step in flow chart is corresponding with the input and output that are used for transaction flow among Fig. 7-15 basically.Transaction is from the start-up point 116.In above-mentioned start-up point, machine 32 is in dormant state mostly.Perhaps, display screen 36 and loudspeaker 54 can be play a TV of welcoming, so that the user is attracted on the machine.Above-mentioned TV is shown by the display screen with 118 expressions among Fig. 7.
The user is firm near machine.In program step 120 just by sensor 56 perception users' appearance.Make the perceived judgement of user in program step 122.In certain embodiments, when the perception user when the machine, video camera 50 just can start to obtain user's image.Yet in some embodiment as indicated in Fig. 2, some user may would rather operate machines not according to interactive mode.For example, if the user when the situation machine operated of the agreement of other authorized user, they will operate machines based on themselves image and sound.Perhaps, some users may would rather not want the auditory tone cues that machine provides or accepts the sound input.Therefore, in program step 124, when perceived, just point out the user to show that whether otherwise the quiet transaction of sounding they.In program step 126, make the judgement whether client has shown that they would rather quiet transaction, if be judged to be, with regard to the executive routine step 128.
In program step 128, the processor of operation financial transaction machine 32 do not have or the situation of sound-inhibiting output under move.In addition, also screen prompt is added to demonstration on the display screen 36, with the information that replaces sending with sound usually.This preferably uses the text voice switching software that uses in native system to finish.If the input and output of customer selecting sound-inhibiting, then transaction flow is imported by card/PIN and is carried out, and this will discussed in conjunction with Fig. 3 after a while.Be appreciated that the feature of the sound-inhibiting of machine, it may be desirable can not replying voice output for the sense of hearing or speech shortcoming are arranged or provide the people of sound input.Perhaps, be difficult to hear in the noisy environment of voice output that for example in the shopping centre of prosperity or in sports, the sound-inhibiting feature all may be desirable the user.Perhaps, the purpose that the user would rather sound-inhibiting only is for conservative they private secret.
In other embodiment, when machine is pressed the sound-inhibiting mode operation, can obtain user's image, and be stored in the storer with the relation of being mutually related with the data of relevant transaction at trading time period.The view data of above-mentioned and the relating to persons of operating machines later on can be with its reproduction and analysis when the client claims that above-mentioned transaction is uncommitted.Perhaps, the pattern of unattended operation machine how, all can obtain and storing image data every transaction.
If not sound-inhibiting output of user, if perhaps machine does not provide the selection scheme of this inhibition, then transaction flow begins to carry out program step 130, in this program step, is observed user's face by video camera.The orientation of video camera 50 is its visual field to be aimed at the middle part of user's face on the terminal 32, and the visual field is adjusted in software computing simultaneously makes its aligned in general user's facial middle part catch view data.
The image input signal that video camera provides in program step 132 by corresponding processor processing.After handling image well, to the view data that comes across the client before the machine whether be stored in the data reservoir in the view data of authorized user conform to and decision making.This is finished in program step 134.If described view data and authorized user is inconsistent, then as described in the transaction flow that shows among Fig. 3, transaction flow begins to point out the client machine to be used their card and PIN.
Yet if the conforming to of described view data and authorized user, transaction flow begins to carry out program step 136.In program step 136, the display screen 36 of processor control terminal 32 comprises the screen of address name with demonstration.In addition, in program step 138, the loudspeaker by terminal 32 send user welcome, can audible voice output information.In this embodiment, the welcome message of presenting to the client can audible information in company with other, all is that file layout (WAV) file by stored waveform sound generates, and these files are stored in one of data-carrier store of the processor that effectively is connected to terminal.List among Figure 16 described in this, be applied to the WIN file in the transaction as an example.
Next step begins transaction flow by program step 140, in this program step, by the password or the password phrase of can audible information indicating user saying them that is generated by the WIN file.This is shown by screen 2 in Fig. 7.In program step 142, transaction flow is waited and is listened password (or password phrase).In program step 144,, then point out the user to say their password once more in program step 146 if do not hear password.When returning (retry) program step 140, can provide and audiblely to point out: " please repeat " the user.This is shown by screen 148 and 150 in Figure 15; Must be understood that screen 148 and 150 is display screen but be presented at situation about producing in some output not.User's password do not generate an apology information if still know during retry in program step 152 in the second time.This apology information is corresponding to the screen shown in Figure 15 20.Can audible apology information export together with screen 20.
If receive user's voice data, handle in the program step of in Fig. 3, representing from the input signal of microphone 154.In program step 156, to the audio input signal of client's password (or password phrase) whether be stored in data-carrier store in the sound of authorized user conform to and decision making.If result of determination is that transaction flow does not begin to proceed to the program step 152 of aforementioned generation screen 20.Yet, if the sound input conforms to authorized user, then 158 pairs of program steps from the users of voice data identification with between the user of view data identification, whether have the sufficient degree of correlation to decision making, can only be the user of mandate with the user who guarantees before machine, to occur.
Though, in described embodiment program step 158 relate to by Flame Image Process discern the user with differentiate to handle by sound discern the user intersect (dual) verified users identity data, but in a further embodiment, can make complicated more degree of correlation verification.This is useful especially when using the algorithm of the various dissimilar probability percentages that produce a plurality of authorized users.When producing above-mentioned percentage, need mostly to set up to show that image and voice data both point to the confidence level of unique user, before the user will be considered to authorized user, must surpass this confidence level.In a particular embodiment, the concrete grammar that is used for determining sound and image correlativity will depend on and be this checking used particular technology and algorithm.
In program step 158, if having more than, sound and view data accord with an authorized user, so, transaction flow just begins by foregoing program step 152.Yet if sound and view data accord with a single authorized user, transaction flow begins to carry out program step 160.In program step 160, show an output on the display screen 36, and generate the voice output that comprises " identity is differentiated and verified " with a wav file.The voice output of sending from machine comprises user's name, and under the situation of giving an example in Fig. 7, user's name is " Jeff Hill ".This shows by screen among Fig. 73.Above-mentioned address name can show according to the literal that is stored in the address name in the storer by computing machine and produce, can audible signal and generated by text-to-speech software.Perhaps, the signal of the address name of can representative being said by the user is stored in the storer when user terminal 80 or 94 places provide user data to system.
If during the checking of appearance/sound. when the data that obtain can not be confirmed user's identity, transaction flow began by aforesaid apology step.This apology information generates in program step 152 and is corresponding with screen 320 among Figure 15.Transaction flow begins to carry out program step 162 therefrom, and in this program step, the prompting user puts their card in the card reader 40 of terminal 32 into.The situation shown in the screen 164 is corresponding among above-mentioned prompting and Figure 15.Transaction flow then begins to handle above-mentioned card data in program step 166.In program step 168, the prompting user is by keyboard 38 their PIN of input.This is corresponding with the screen condition 170 shown in Figure 15.Handle the PIN data in program step 172, and decision making about whether above-mentioned PIN data and card data meet with authorized user 174 pairs of program steps.
If the PIN data do not conform to card data, transaction flow begins to export a sorry information in program step 176, and sorry information is corresponding with screen condition 178 among Figure 15.If PIN and card data obtain sure checking, then transaction is proceeded, and can discern them just like appearance and voice data equipment according to the user.As previously described, when connecing this mode and operate machines, embodiments of the invention can obtain and store user's image, and make it to be stored in the storer with correlationship with transaction data.
As shown in Figure 3, transaction flow next step begin by program step 180.In this program step, determine user's account information.After this, in program step 182, which hobby differentiates the client according to the hobby data that are stored in the client in the data-carrier store has to shopping.Above-mentioned hobby data can be corresponding to the information that is directly provided by the client, perhaps can be according to the hobby data by providing the analysis of information to draw in the past to the client.Above-mentioned analysis can be finished by computing machine.
Then transaction flow begins by program step 184, in this program step, and the data of the product that Gong the client that application client hobby data select preparation to offer the client buys.In case selected product data are just in the described product data of program step 186 outputs.
The product data output that presents in program step 186 is shown by distribution screen of the series shown in Fig. 8-13 and output.Because the input and output information flow of each width of cloth in these screens and distribution screen (proms) 1-6 identification all is similar, so only go through some screens among Fig. 8.
In the example shown in Fig. 8, the client likes data and shows that the user likes rock music and jazz.To there being this user who likes to make acoustic information together with screen 4.On the display screen 36 of terminal, present information, simultaneously with illustrating that the paper money of these concerts still can buy by audible acoustic information about rock music on the horizon and jazz music meeting.
In program step 188, transaction flow prompting client please they make one's options to wanting the paper money of buying any concert.This can audible information finish by one from terminal as shown in Figure 8.The client does not make oral answer with "Yes" or " not being ".In the program step 190 of transaction flow, show that the above-mentioned purchase input by the identification of voice recognition software receives.If the client illustrates that by their audio inquiry they do not wish to buy the paper money of any concert, then transaction flow begins by program step 192, then carries out some program steps, but whether the inquiry family will use exchange 32 to carry out other transaction.
Yet when if the user will buy, transaction flow begins by program step 194, and in this program step, the prompting user makes buying and selects.Shown in screen among Fig. 84, with auditory tone cues please instruction manual they want the title of the concert of buying.The word group that will use when the user answers is pointed out by the information on the display screen.Under situation as shown in Figure 8, user or answer with word group " rock music " or with " jazz ".In the transaction flow shown in Fig. 4, in program step 196, the selection input of being made by audio inquiry by the user is received.In program step 198, whether oneself has selected A (rock music) to decision making to the user, if result of determination is for being, then transaction flow begins to carry out program step 200, the selected data of output representative.This can allow the subscriber checking machine whether correctly accept their selection.This is shown by the screen of selecting corresponding to " rock music " concert 5 in Fig. 8.
Similarly, if do not selected A (promptly not selecting rock music) in program step 198, then transaction flow begins to carry out program step 202, in this program step, judges whether the user has selected B promptly to select " jazz ".If result of determination is for being, then transaction flow begins the selection data of output corresponding to " jazz " in program step 204.This program step is corresponding to situation about being shown by screen 6 among Fig. 8.
No matter what kind of the user made and selected, then transaction flow begins to point out the program step 206 of instruction manual quantity input.As shown in Figure 8, above-mentioned prompting is audiblely to point out, and it illustrates the admission fee of the concert that the user selectes and inquires the user that he will buy several tickets.The user then makes answer with the quantity input.This is undertaken by program step 208 in transaction flow.Must be understood that though in the example shown in Fig. 8, the admission fee of two concerts is identical, this only is a coincidence.The price of product all is to be determined by the product sale data that are stored in the data-carrier store, can be different prices concerning different products.
Transaction flow then begins to carry out program step 210.In this program step, the reception of the quantity input that provided with sound by the client made check.If the client provides suitable input, transaction flow then begins at program step 212 prompting instruction manuals admission fee to be charged in what account's the account.This has screen 7 and 8 to be represented in Fig. 8, in above-mentioned two screens the prompting instruction manual they whether want to pay their admission fee with their credit card.As in the transaction flow by shown in the program step 214, equipment is waited the audio inquiry from the user of listening the loudspeaker 52 by financial transaction machine 32 to send.Then whether correctly receive to make and check at 216 pairs of account datas of program step.
If correctly receive from the replying of client, the admission fee expense be logged in the account illustrated by client's input in program step 218.The processing that expense is entered item in an account is to finish by the mode of debt-credit accounts routine.Though in transaction flow, do not give schematically illustrated, but above-mentioned processing comprises the measure that is used to shut the book, the notice clients' accounts no longer can defrayment, for example because the account had overspend etc. already, if above-mentioned situation takes place, can offer the client to corresponding output information.Preferably the client is given rise to misunderstanding and feels that in straitened circumstances mode provides above-mentioned information.
Be that transaction flow begins by program step 220 under the suitable situation in program step 218 is determined charge entered item in an account, in this program step, the ticket dispensers 48 in the terminal 32 prepare also to allot the ticket of being ordered by the client.This is to finish under the control of processor or the situation by the control of the processor of operating terminal.
In program step 222, according to the product that the user has purchased, the transaction flow operation may interested audio-visual data so that select the user in data-carrier store.In most preferred embodiment, this is the concert performer's of the relevant client concert of having bought ticket Music Television (MTV) data.After determining above-mentioned TV material, the transaction flow operation provide as show among Fig. 8, thank to the client and tell and ask them to appreciate the output information of TV.Foregoing is finished in program step 224, in this program step, also TV is presented to the client.From the output of terminal 32 by screen Fig. 87 or 8 and Figure 14 in screen 226 illustrate.
As shown in Figure 5, next step begins transaction flow by program step 228, and it is corresponding to the screen condition among Figure 14 18.In screen condition 18, the client is made sound propose to thank them to use terminal, ask them to appreciate the music that they have just purchased the concert of ticket, also remind them to take their paper money away simultaneously.
Take away the client after their paper money, whether they also need to carry out other transaction to transaction flow program step 230 prompting clients.This is shown by screen among Figure 14 232.If the client illustrates that in program step 230 they also want to do other transaction, transaction flow begins to allow the client operate the auto-teller trading order of transaction function devices on the auto-teller machine.For instance, these functional devices can comprise printer 42, storeroom 44, cash dispenser 46 or ticket dispenser 48.The mode that allows the client to operate these transaction function devices will depend on the specific setting and the programming of system.
As indicated in Figure 4 and 5, if in program step 198,210 or 216, do not receive from the replying of client, then present the information of apology in the transaction program step 234.Then make output request client and repeat their replying in program step 236.This gives the client can audible information " please repeat " from the wav file generation corresponding to the situation 150 of the screen among Figure 15 in this program step.Then transaction flow is waited the answer of listening the user at program step 238 machines.
In program step 240, whether relevant client is provided and can audible sound input decision making.If like this, decision making,, it just turns back to above-mentioned trading order if being an appropriate input in program step 242.If input is appropriate, transaction flow then began by series of programs step, and the equipment of turning back to fails to understand that the user is provided by that point that the client that before provided replys, and begins therefrom, and transaction flow is undertaken by common mode.Yet to reply or reply be inappropriate if do not receive, and transaction flow proceeds to the transaction program step 230, and in this program step, whether the inquiry client they want to carry out another kind and conclude the business.This is corresponding to the situation 232 of screen among Figure 14.
With reference to Fig. 6, next step begins transaction flow by program step 244, and after reception was replied in this program step, it is professional whether the prompting client wishes to carry out another kind.In program step 246, decision making to whether receiving to reply, if like this. determine in program step 248 whether described replying shows that the client wishes to carry out another business.If like this, transaction flow begins to represent the program step 250 of auto-teller trading order.Must be understood that above-mentioned trading order can be in the included transaction function devices in 32 of operating machines, and is used to one of some orders of pointing out the client.
If make negative judgement in program step 246 or 248, then transaction flow begins by program step 252, in this program step, generates output information.Above-mentioned output information is corresponding to the indicated content (screen) of screen among Figure 14 19.In the illustrated embodiment, when presenting above-mentioned screen, terminal to client output can audible " thank you " information.What must be noted is, the same with Figure 15, above-mentioned " thank you " screen and acoustic information be with the situation that can not handle client trading at equipment according to different reasons under present to the client screen and information be the same.
After output information, the client allot to give their commodity in order to check oneself, or collect their personal belongings in addition may be financial transaction machine 32 other staying for some time.Deal with data is to discern same client once more owing to do not wish to allow equipment, and transaction flow begins by program step 254, and in this program step, this system wait client leaves this zone, so that he or she is no longer by 56 sensings of machine sensor.This finishes by program step 256.In case the client has left the machine district, thereby will realize that the return information step 258 makes transaction flow turn back to machine and is prepared as the position that the another one client handles transaction.Perhaps, if in a certain schedule time, the client does not leave the machine district, and transaction flow will the query user see whether they want to carry out another transaction.Then, reply according to the oral of client, machine will restart trading order, perhaps waits for a period of time in addition again.
Though not shown in the transaction flow, embodiments of the invention can comprise, if the authorized user of operating machines leaves the measure that the flow process of just preparing to shut the book is immediately used from the zone near machine.This to the user who operates machines recognize other places need them to note and the sort of situation left under may be useful.In this case, equipment is placed shut the book, and stop to allot ticket, cash or valuables to the user.Like this, the user can be left near the machine, forget card or other money's worth of taking them away and need not miss.Above-mentioned feature can be useful especially to forgetful people.This class people may leave behind card and go up machine, makes it can not handle transaction.Perhaps, the client may forget card taking, or allots currency or other money's worth of giving them.The present invention has improved convenience and has reduced dangerous concerning these users.
Must be understood that,, in a further embodiment, may use other prompting combining form, or only use one type prompting form although in most preferred embodiment, use the prompting form of video and audio frequency knot platform to point out the client to handle transaction.For example, as previously mentioned, or the one or two people that wish to keep privacy impaired for the sense of hearing, machine can only provide visual prompting.So just can allow the client operate machines by hand gear, for example, if be that touch screen shows, just can be with virtual " button " that provide on the display screen 36, or operate machines with the true button that is close to the display screen setting.Perhaps, can provide artificial input by keypad 38.Card reader also plays the effect of the manual input device of the artificial input that responds card.In certain embodiments, card data particularly is stored in the data on the smart card, can be used for the convenient transaction processing that the disabled person is arranged individually.
Perhaps, can use and all can listen the output of type to operate machines.This is favourable to the impaired people of visual aspects.In most preferred embodiment, be used for becoming voice can promote the dirigibility of machine and adapt to handicapped people text conversion with the software that speech conversion is become literal.In machine, comprise and can for example touch quick display screen with the input media of manual mode driving, card reader, keypad or other install, and help the various operator schemes of the most preferred embodiment of equipment widely.
From the argumentation of front contact transaction flow shown in Figure 8, will appreciate that, can like data the product distribution data of other types are presented to the client according to being stored in client in the data-carrier store, for example, Fig. 9 likes the client of rock music and country music that a similarly transaction is shown.The screen situation that interrelates with this transaction flow is a screen situation 9,5,10,7 and 11.Equally, Figure 10 is for not only liking rock music but also the people who enjoys classical music to show a transaction.Represent with numbering 12,5,13,7 and 14 in the screen situation map that relates to.
Shown in Figure 11 is for liking the transaction that the people exemplified of jazz and country music.The screen of demonstration situation is 15,6,10,8 and 11.Like the people of jazz and classical music can use the screen display shown in Figure 12 to one.These are screen situations 16,6,13,8 and 14.At last, Figure 13 represents to enjoy classical music and the conclude the business screen of usefulness of the people of country music for one.Above-mentioned screen situation is 17,13,10,14 and 11.From the argumentation of front, will appreciate that, these certain products sell together with screen situation and sound and visual cues all only be used for illustrational.Can sell the product of many other types by financial transaction machine of the present invention.Common product comprises the competitive sports ticket, game class ticket, and the transportation class ticket, or represent the product of any other type of commodity or service to sell, as long as these class commodity or service can be represented just passable easily with voucher or ticket.The present invention can also be connected to product by network 72 or network 112 and sell data and the resourceful area of audiovisual materials, and this will make the user can be by the diversified widely product of equipment purchase of the present invention.
Shown in the embodiment as discussed previously, the user can select from several prods simultaneously on the block.Although in the illustrated embodiment, user only two kinds of products in same classification sells selection between (that is, the concert paper money), and in other embodiments, the client can select on the block from different quantity, dissimilar products.The demonstration that can make product sell information is special for various products and client, and in some cases, some client can accept product sale information or limited product sale information more widely.
Most preferred embodiment of the present invention also allows accurately to discern authorized user and does not need the user to carry identification card.When the present invention obtains accurate identification, to being reluctant the people of others their fingerprint of access or iris scan individually.The present invention does not violate the intention that they keep secret yet.In addition, optimised form of the present invention also unlikely can be to being concerned about their eyes of scanning, and the client of both hands or other body parts has any danger.
Therefore, novel financial transaction machine of the present invention and method have reached various purpose set forth above, have eliminated all difficulties that use prior-art devices and method to suffer from, and have solved variety of issue and have realized the result of the expectation described in this.
Some term is for easy in the superincumbent description, Cai clear and be convenient to understand usefulness.Yet they do not have any restrictive, sense, because these art speech are only used for purpose of description, they should be broadly construed.In addition, explanation herein and diagram are used for for example, those details in accompanying drawing shown in the present invention is not limited to or the description.
In the following claims, any conduct should be interpreted into not comprise in order to the feature of the equipment of finishing a function or method anyly can finish described function tasks, equipment or method, and should not be considered to specific device or method or its equivalent in order to finish described function that are confined to describe in this article.
Described above feature of the present invention, discovery and principle, the mode of its structure, operation, advantage and the useful achievement of acquisition: all are new to be included within the appended claims with useful structure, device, element, arrangement, parts, combination, system, equipment, operation, method and relation thereof.
Claims (10)
1. ATM (Automatic Teller Machine), comprising:
At least one processor;
The cash distributor that is connected with at least one processor;
The card reader that is connected with at least one processor;
The a plurality of output units that are connected with at least one processor, wherein, this output unit comprises display device and voice output;
The card reader that is connected with at least one processor;
The a plurality of input medias that are connected with at least one processor, wherein, this input media comprises keyboard and microphone;
The sensing apparatus that is connected with at least one processor; Wherein but this sensing apparatus sensing exists near the user of ATM (Automatic Teller Machine);
Wherein, this at least one processor response sensing device senses to the user of close ATM (Automatic Teller Machine) exist and make voice output output sound information, require the user to offer machine and illustrate that the user likes the silent trade or the input of sound transaction;
Wherein, this at least one input media can receive the user and offers machine explanation user and like the silent trade or the input of sound transaction;
Wherein, this at least one processor can respond the user and offer the input that machine explanation user likes sound transaction, continuation is by the more acoustic informations of voice output output, and the prompting user provides enough inputs by microphone, makes the cash distributor can distribute the cash of some; And
Wherein, this at least one processor can respond the user and offer the input that machine explanation user likes silent trade, stops by the more acoustic informations of voice output output, and the sensing of sensing apparatus continuation simultaneously exists near the user of ATM (Automatic Teller Machine).
2. machine according to claim 1, wherein, this sensing apparatus can provide this at least once to import and the user finishes sensing between current transaction two time in ATM (Automatic Teller Machine) and exists near the user of ATM (Automatic Teller Machine) the user, wherein, this processor responds when the user who does not have close ATM (Automatic Teller Machine) exists in this sensing device senses, stops current transaction.
3. as the machine as described in the claim 2, wherein, this sensing apparatus can provide this at least once to import and the user finishes sensing between current transaction two time in ATM (Automatic Teller Machine) and exists near the user of ATM (Automatic Teller Machine) the user, wherein, there is certain schedule time in this processor but does not sense to the user in sensing device senses and responds when the user has any more input by at least one input media, make this at least one information of output unit output, require the user user that furnishes an explanation whether to require the input of another time transaction.
4. machine according to claim 1, wherein, this at least one processor can be stored the information that links with the sound input of receiving by the microphone at least one data-carrier store from the user in operation.
5. as the machine as described in the claim 4, wherein, this card reader reads the accounts information on the subscriber card in operation, wherein, but the accounts information authorized user from the subscriber card that this at least one processor response card reader reads is concluded the business on ATM (Automatic Teller Machine), wherein, storage with import the acoustic information be associated at the sound in this at least one data-carrier store after, this processor can be according to the consistance of user by the acoustic information preserved in the input of the more sound of microphone and the data-carrier store, carry out more transaction on the authorized user ATM (Automatic Teller Machine), and need not in card, to read accounts information.
6. as the machine as described in the claim 5, wherein, the sound input that this processor can respond the user is liked data storage with client and is gone at least one data-carrier store.
7. as the machine as described in the claim 6, wherein, this processor can respond the hobby data that are stored at least one data-carrier store makes display device output that product information is provided.
8. as the machine as described in the claim 5, wherein, a plurality of input medias comprise a camera, wherein, at least one processor can make captured by camera user's image in operation when the sensing apparatus perception exist near the user of ATM (Automatic Teller Machine), wherein at least one processor can be preserved the image information that is associated with user images at least one data-carrier store in operation.
9. as the machine as described in the claim 8, wherein, after image information is stored at least one data-carrier store, the consistance of the image information of preserving in more images of user that this processor is grasped according to camera capture and the data-carrier store comes authorized user more to conclude the business on ATM (Automatic Teller Machine), and need not to read the accounts information in the card.
10. as the machine as described in the claim 9, wherein, at least one data-carrier store comprises corresponding to a plurality of user data of users, the user data of different user comprises the identity data corresponding to this user, image information corresponding to this user's macroscopic features, and corresponding to the acoustic information of this user's sound characteristic, wherein the more users image of processor from least one data-carrier store and at least one macroscopic features are differentiated first user ID data, wherein, at least one processor more sound inputs and at least one sound characteristic from least one data-carrier store differentiated second user ID data, and wherein, processor compares the degree of association of first and second user ID data, and judgement is carried out more transaction to the subscriber authorisation on ATM (Automatic Teller Machine) according to the degree of association.
Applications Claiming Priority (4)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| US6731697P | 1997-11-28 | 1997-11-28 | |
| US60/067,316 | 1997-11-28 | ||
| US09/037,559 | 1998-03-09 | ||
| US09/037,559 US6023688A (en) | 1997-11-28 | 1998-03-09 | Transaction apparatus and method that identifies an authorized user by appearance and voice |
Related Parent Applications (1)
| Application Number | Title | Priority Date | Filing Date |
|---|---|---|---|
| CN98811188A Division CN1278935A (en) | 1997-11-28 | 1998-11-19 | Financial transaction apparatus and method that identifies an authorizd user's appearance and voice |
Publications (2)
| Publication Number | Publication Date |
|---|---|
| CN101599196A true CN101599196A (en) | 2009-12-09 |
| CN101599196B CN101599196B (en) | 2012-01-18 |
Family
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| Application Number | Title | Priority Date | Filing Date |
|---|---|---|---|
| CN2009101490172A Expired - Fee Related CN101599196B (en) | 1997-11-28 | 1998-11-19 | Automated transaction machine |
Country Status (2)
| Country | Link |
|---|---|
| CN (1) | CN101599196B (en) |
| RU (1) | RU2199779C2 (en) |
Cited By (2)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN104346881A (en) * | 2013-08-02 | 2015-02-11 | 乐金信世股份有限公司 | Data transmission device and financial device using same |
| CN104702417A (en) * | 2015-04-03 | 2015-06-10 | 成都爱维科创科技有限公司 | Security authentication system and method |
Families Citing this family (2)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| US20070106535A1 (en) * | 2003-11-06 | 2007-05-10 | Atsushi Matsunaga | Electronic medical information system, electronic medical information programs, and computer-readable recording media for storing the electronic medical information |
| US7783564B2 (en) * | 2006-07-25 | 2010-08-24 | Visa U.S.A. Inc. | Compliance control in a card based program |
Family Cites Families (5)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| US5309355A (en) * | 1984-05-24 | 1994-05-03 | Lockwood Lawrence B | Automated sales system |
| JP2857777B2 (en) * | 1989-10-26 | 1999-02-17 | 株式会社日立製作所 | Automatic teller machine |
| US4993068A (en) * | 1989-11-27 | 1991-02-12 | Motorola, Inc. | Unforgeable personal identification system |
| GB9323489D0 (en) * | 1993-11-08 | 1994-01-05 | Ncr Int Inc | Self-service business system |
| JPH07334720A (en) * | 1994-06-07 | 1995-12-22 | Hitachi Ltd | Automatic teller machine |
-
1998
- 1998-11-19 CN CN2009101490172A patent/CN101599196B/en not_active Expired - Fee Related
- 1998-11-19 RU RU2000116632A patent/RU2199779C2/en not_active IP Right Cessation
Cited By (2)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN104346881A (en) * | 2013-08-02 | 2015-02-11 | 乐金信世股份有限公司 | Data transmission device and financial device using same |
| CN104702417A (en) * | 2015-04-03 | 2015-06-10 | 成都爱维科创科技有限公司 | Security authentication system and method |
Also Published As
| Publication number | Publication date |
|---|---|
| CN101599196B (en) | 2012-01-18 |
| RU2199779C2 (en) | 2003-02-27 |
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