CN102890844B - The integrated Possum of a kind of bank - Google Patents
The integrated Possum of a kind of bank Download PDFInfo
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- CN102890844B CN102890844B CN201210273294.6A CN201210273294A CN102890844B CN 102890844 B CN102890844 B CN 102890844B CN 201210273294 A CN201210273294 A CN 201210273294A CN 102890844 B CN102890844 B CN 102890844B
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Abstract
Embodiments provide the integrated Possum of a kind of bank, described equipment comprises: basic input block, for receiving the operational order of user and reading the bank card of user's insertion, described basic input block comprises touch-screen, code keypad and bank card card reader; Identity information acquisition unit, for gathering subscriber identity information; Business information collecting unit, for gathering private or relevant to public banking business information, described business information collecting unit comprises the storage of bank money scanner uni module, bankbook read module and check read module; Output unit, for export to private or to the relevant service handling information of public banking or result, described output unit comprises strip printer, flowing water printer, deposit book printers, receipt prints and module of affixing one's seal, Self-help card-distributing module and bank certificate's granting module.This Possum can accept cash/noncash, home currency/foreign currency, to private/to every bankings such as public affairs.
Description
Technical field
The present invention relates to a kind of bank business self-service equipment, be specifically related to a kind of functions of the equipments being integrated with ATM, self-service logical, Self-service card sender, self-service ticket machine, self-service apparatus for returning-back of bills etc., and be equipped with the integrated Possum of bank of technical service means of video customer service, remote collaborative.
Background technology
Constantly perfect along with technological means, the Possum being applied to bank is constantly weeded out the old and bring forth the new in its function, optimize, ATM traditional at present, cash recycling system, multimedia inquiry machine achieves original function module upgrading, strengthen cash, the processing power of strip and bank card, in addition have also appeared the equipment for new business, as Self-service card sender, self-service ticket storage machine, self-service receipt printer etc., and on equipment, widely use touch-screen, biological information identification, the module that identity document identification etc. are new, bank self-aid apparatus is enable to assist client to complete more business, and enhance the security of transacting business.
Current bank self-aid apparatus is mainly simple function equipment or realizes the equipment of a small amount of Function Integration Mechanism, as ATM mainly carries out transaction such as inquiring about, withdraw the money and transfer accounts, multimedia self-help terminal mainly accepts the transaction of noncash class, Self-service card sender mainly carries out bank card granting etc., equipment end achieves the relatively independent of function and isolation, embodies unicity feature on the nucleus module of Possum simultaneously.
Inventor is realizing finding in process of the present invention, the shortcoming of prior art is at least: the limitation of self-service equipment function and module makes it can only handle the business of particular range at present, the integrated service demand of client could must realize by using different equipment, because equipment might not allow client use at any time, and not necessarily concentrate in Regional Distribution, the transaction of client is made to pass through repeatedly different time, handling of different location just can complete, cannot on existing self-aided terminal its transactions demand of overall treatment, reduce the convenience that client uses Possum.
Summary of the invention
The object of the invention is to, provide a kind of bank integrated Possum, with realize to private, function is accepted to the comprehensive business of public affairs.
For reaching above-mentioned purpose, embodiments provide the integrated Possum of a kind of bank, described equipment comprises:
Basic input block, for receiving the operational order of user and reading the bank card of user's insertion, described basic input block comprises touch-screen, code keypad and bank card card reader;
Identity information acquisition unit, for gathering subscriber identity information;
Business information collecting unit, for gathering private or relevant to public banking business information, described business information collecting unit comprises the storage of bank money scanner uni module, bankbook read module and check read module;
Output unit, for export to private or to the relevant service handling information of public banking or result, described output unit comprises strip printer, flowing water printer, deposit book printers, receipt prints and module of affixing one's seal, Self-help card-distributing module and bank certificate's granting module;
Wherein, described business information collecting unit adopts at least one in following scanner: one-dimensional barcode code scanner, Quick Response Code scanner, drum type scanner, sweep optical square, pen-touched tablet, paper feeding scanner.
The Advantageous Effects of the integrated Possum of bank of the present invention is: this Possum can accept cash/noncash, home currency/foreign currency, to private/to every bankings such as public affairs, originally the transaction can only handled by manual or non-self-service facility can be achieved by being integrated on new Possum of multiple autonomous module, by integration, integrated method allow client can on an equipment comprehensive handling bank business, this compared to traditional simple function automatic banking services be a kind of innovation of service mode.And by the software and hardware technology of the aspect such as various kinds of equipment, communication and background service system, realize self-service bank, theory that someone serves.
Accompanying drawing explanation
In order to be illustrated more clearly in the embodiment of the present invention or technical scheme of the prior art, introduce doing one to the accompanying drawing used required in embodiment or description of the prior art simply below, apparently, accompanying drawing in the following describes is only some embodiments of the present invention, for those of ordinary skill in the art, under the prerequisite not paying creative work, other accompanying drawing can also be obtained according to these accompanying drawings.
Fig. 1 is the allomeric function block diagram of the integrated Possum of bank of the embodiment of the present invention;
Fig. 2 realizes in one embodiment of the present of invention private, to the integrated Possum of public affairs comprehensive service handling function a kind of concrete structure schematic diagram.
Embodiment
For making the object of the embodiment of the present invention, technical scheme and advantage clearly, below in conjunction with the accompanying drawing in the embodiment of the present invention, technical scheme in the embodiment of the present invention is clearly and completely described, obviously, described embodiment is the present invention's part embodiment, instead of whole embodiments.Based on the embodiment in the present invention, those of ordinary skill in the art, not making the every other embodiment obtained under creative work prerequisite, belong to the scope of protection of the invention.
The embodiment of the present invention provides a kind of and realizes private, to public affairs comprehensive service handling function the integrated Possum of bank.This Possum by various types of hardware module integration cash-access money, bank card reads and grantings, touch screen operation, I.D. read and scanning, document print and affix one's seal, the storage of bank money scanner uni, bankbook read-write and print, bar code or Quick Response Code scanning, fingerprint/refer to the functions such as identity information reading, the recovery of paper document scanner uni, bank certificate's granting such as vein/vena metacarpea, thus every processing power of handling needed for all kinds of banking of support.
This Possum incorporates cash-access, Self-help card-distributing, bill scanning storage, printing stamping, magnetic stripe/chip card read-write, biomedical information acquisition, audio/video communication, touch-screen, bar code/Quick Response Code scanning, bankbook read-write and printing, the functional modules such as strip printing, thus cash/noncash can be accepted, home currency/foreign currency, to private/to every bankings such as public affairs, originally the transaction can only handled by manual or non-self-service facility can be achieved by being integrated on new Possum of multiple autonomous module, by integration, integrated method allow client can on an equipment comprehensive handling bank business, this compared to traditional simple function automatic banking services be a kind of innovation of service mode.
Each functional module on this Possum is carried out integration around the trading function of system and can collaborative work, requirement according to system transaction flow completes various functions in an orderly manner, as Card Reader, printing, note output etc., all completing in unified system platform alternately of various functions, forms complete automatic operating system.
Fig. 1 is the allomeric function block diagram of the integrated Possum of bank of the embodiment of the present invention.As shown in Figure 1, the integrated Possum of this bank, is characterized in that, described equipment 100 comprises:
Basic input block 110, for receiving the operational order of user and reading the bank card of user's insertion, described basic input block comprises touch-screen, code keypad and bank card card reader;
Identity information acquisition unit 120, for gathering subscriber identity information;
Business information collecting unit 130, for gathering private or relevant to public banking business information, described business information collecting unit comprises the storage of bank money scanner uni module, bankbook read module and check read module;
Output unit 140, for export to private or to the relevant service handling information of public banking or result, described output unit comprises strip printer, flowing water printer, deposit book printers, receipt prints and module of affixing one's seal, Self-help card-distributing module and bank certificate's granting module.
Alternatively, described subscriber identity information comprises: the video feature information of the ID (identity number) card information of user, the biological information of user or user.
Alternatively, described identity information acquisition unit 120 comprise following at least one: I.D. scanner, fingerprint reader, refer to vein reader, vena metacarpea reader, image unit.
Alternatively, described business information collecting unit 130 adopts at least one in following scanner: one-dimensional barcode code scanner, Quick Response Code scanner, drum type scanner, sweep optical square, pen-touched tablet, paper feeding scanner.
Alternatively, described fingerprint reader is fingerprint scanner or fingerprint sensor.
Alternatively, described equipment 100 is connected with background service system, processes private or to public banking under the support of platform service system in the rear.
Alternatively, described strip printer, described flowing water printer, described deposit book printers adopt laser printer.
Alternatively, described equipment 100 also comprises audio/video communication unit (not shown), for attending a banquet into ground audio/video communication for the video of user and background service system.
Below illustrate as follows:
Client buys finance product by cash, must first by self-help deposit equipment by cash stored in bank card, and then buy finance product by other electronic channels of multimedia self-help terminal or Web bank, centre must relate to the conversion of channel and equipment.And pass through the integrated of self-service equipment function module, client directly can complete spot assets on a channel, an equipment and finance product is bought, compared to the self-service method for processing business of traditional separate type, new integrated form self-aided terminal can provide the transaction processing method not needing channel to change.
Fig. 2 realizes in one embodiment of the present of invention private, to the integrated Possum of public affairs comprehensive service handling function a kind of concrete structure schematic diagram.As shown in Figure 2, ITM facility comprise cash base part and noncash base part amounts to 16 kinds, can accept the cash in private, service for corporate customers and noncash major part business.C end runs on WINDOWS7 operating system, and the WEB application based on Flex system framework is run in being loaded into IE browser.Flex application directly cannot be called underlying component and be driven, and needs the device drives application library encapsulated by Java Script to call the OCX assembly be registered in operating system, and OCX assembly directly call operation system API and vendor components can drive SPI.For the parts in WOSA standard, each manufacturer provides SPI in strict accordance with WOSA standard, but not WOSA standardized component then formulates driving standard by Bank of Communications is unified.
It is part or all of that ITM facility can comprise as in lower component: bill scanner, bar-code scanner, camera, get paper money module, strip printer, code keypad, flowing water printer, seal-affixing machine, card-issuing module, second-generation ID card reader, card reader, deposit book printers, deposit paper money module, sensor, laser printer, plain paper scanner, touch-screen, audio amplifier and telephone receiver, fingerprint scanner.
The beneficial effect of the embodiment of the present invention is:
1, expand the scope of business of bank self-help service, support nearly all counter service.
2, expand bank service time and scope, 7*24 hour persistent service can be provided, the Quick Extended of service area can be realized in addition by the supporting Possum laying various ways.
3, personnel's utilization ratio is improved.By building intensive long-range client service center thus realizing the multiplexing and professional skill fabric anomaly of staggering the time of personnel, improve efficiency of service, and optimize cabinet dough figurine person and business structure, guide the service of bank's cabinet face to high value-added business and high value customer transfer.
4, business operating cost and the cost of supervise and control is reduced.The O&M cost of " intelligent automatic teller machine " and the cost of supervise and control and self-help bank similar, be significantly smaller than traditional cabinet face, the cost consumption of banking can be reduced, promote profit margin.
Those skilled in the art can also recognize the various illustrative components, blocks (illustrative logical block) that the embodiment of the present invention is listed, unit, and step can pass through electronic hardware, computer software, or both combinations realize.For the replaceability (interchangeability) of clear displaying hardware and software, above-mentioned various illustrative components (illustrative components), unit and step have universally described their function.Such function is the designing requirement realizing depending on specific application and whole system by hardware or software.Those skilled in the art for often kind of specifically application, can use the function described in the realization of various method, but this realization can should not be understood to the scope exceeding embodiment of the present invention protection.
Various illustrative logical block described in the embodiment of the present invention, or unit can pass through general processor, digital signal processor, special IC (ASIC), field programmable gate array (FPGA) or other programmable logic device, discrete gate or transistor logic, discrete hardware components, or the design of above-mentioned any combination realizes or operates described function.General processor can be microprocessor, and alternatively, this general processor also can be any traditional processor, controller, microcontroller or state machine.Processor also can be realized by the combination of calculation element, such as digital signal processor and microprocessor, multi-microprocessor, and a Digital Signal Processor Core combined by one or more microprocessor, or other similar configuration any realizes.
The software module that method described in the embodiment of the present invention or the step of algorithm directly can embed hardware, processor performs or the combination of both.Software module can be stored in the storage medium of other arbitrary form in RAM storer, flash memory, ROM storer, eprom memory, eeprom memory, register, hard disk, moveable magnetic disc, CD-ROM or this area.Exemplarily, storage medium can be connected with processor, with make processor can from storage medium reading information, and write information can be deposited to storage medium.Alternatively, storage medium can also be integrated in processor.Processor and storage medium can be arranged in ASIC, and ASIC can be arranged in user terminal.Alternatively, processor and storage medium also can be arranged in the different parts in user terminal.
In one or more exemplary design, the above-mentioned functions described by the embodiment of the present invention can realize in the combination in any of hardware, software, firmware or this three.If realized in software, these functions can store on the medium with computer-readable, or are transmitted on the medium of computer-readable with one or more instruction or code form.Computer readable medium comprises computer storage medium and is convenient to make to allow computer program transfer to the telecommunication media in other place from a place.Storage medium can be that any general or special computer can the useable medium of access.Such as, such computer readable media can include but not limited to RAM, ROM, EEPROM, CD-ROM or other optical disc storage, disk storage or other magnetic storage device, or other anyly may be used for carrying or store the medium that can be read the program code of form with instruction or data structure and other by general or special computer or general or special processor.In addition, any connection can be properly termed computer readable medium, such as, if software is by a concentric cable, optical fiber computer, twisted-pair feeder, Digital Subscriber Line (DSL) or being also comprised in defined computer readable medium with wireless way for transmittings such as such as infrared, wireless and microwaves from a web-site, server or other remote resource.Described video disc (disk) and disk (disc) comprise Zip disk, radium-shine dish, CD, DVD, floppy disk and Blu-ray Disc, and disk is usually with magnetic duplication data, and video disc carries out optical reproduction data with laser usually.Above-mentioned combination also can be included in computer readable medium.
Above-described embodiment; object of the present invention, technical scheme and beneficial effect are further described; be understood that; the foregoing is only the specific embodiment of the present invention; the protection domain be not intended to limit the present invention; within the spirit and principles in the present invention all, any amendment made, equivalent replacement, improvement etc., all should be included within protection scope of the present invention.
Claims (5)
1. the integrated Possum of bank, is characterized in that, described equipment comprises:
Basic input block, for receiving the operational order of user and reading the bank card of user's insertion, described basic input block comprises touch-screen, code keypad and bank card card reader;
Identity information acquisition unit, for gathering subscriber identity information;
Business information collecting unit, for gathering private or relevant to public banking business information, described business information collecting unit comprises the storage of bank money scanner uni module, bankbook read module and check read module;
Output unit, for export to private or to the relevant service handling information of public banking or result, described output unit comprises strip printer, flowing water printer, deposit book printers, receipt prints and module of affixing one's seal, Self-help card-distributing module and bank certificate's granting module;
Wherein, described business information collecting unit adopts at least one in following scanner: one-dimensional barcode code scanner, Quick Response Code scanner, drum type scanner, sweep optical square, pen-touched tablet, paper feeding scanner;
Wherein, described equipment is connected with background service system, processing under the support of platform service system in the rear private or to public banking, described equipment also comprises audio/video communication unit, carrying out audio/video communication for attending a banquet for the video of user and background service system;
In the integrated Possum of described bank, parts in WOSA standard, drive SPI according to WOSA standard, the parts in non-WOSA standard, adopt the unified driving standard formulated, by OCX assembly, concentrated calling is carried out to the parts in the parts in described WOSA standard and described non-WOSA standard.
2. equipment according to claim 1, is characterized in that, described subscriber identity information comprises: the video feature information of the ID (identity number) card information of user, the biological information of user or user.
3. equipment according to claim 1 and 2, is characterized in that, described identity information acquisition unit comprise following at least one: I.D. scanner, fingerprint reader, refer to vein reader, vena metacarpea reader, image unit.
4. equipment according to claim 3, is characterized in that, described fingerprint reader is fingerprint scanner or fingerprint sensor.
5. equipment according to claim 1, is characterized in that, described strip printer, described flowing water printer, described deposit book printers adopt laser printer.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
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| CN201210273294.6A CN102890844B (en) | 2012-08-02 | 2012-08-02 | The integrated Possum of a kind of bank |
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| Application Number | Priority Date | Filing Date | Title |
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| CN201210273294.6A CN102890844B (en) | 2012-08-02 | 2012-08-02 | The integrated Possum of a kind of bank |
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| CN102890844A CN102890844A (en) | 2013-01-23 |
| CN102890844B true CN102890844B (en) | 2015-08-05 |
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| CN201210273294.6A Active CN102890844B (en) | 2012-08-02 | 2012-08-02 | The integrated Possum of a kind of bank |
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| CN103871154B (en) * | 2014-03-16 | 2015-12-02 | 王美金 | A kind of based on the A seating full-service self-help teller machine between " locked in " operation |
| CN103956005B (en) * | 2014-04-26 | 2016-05-04 | 王美金 | A kind of method and system of multi-bank important documents delivery apparatus |
| CN103956002B (en) * | 2014-04-26 | 2016-07-27 | 谭希韬 | The desk-top teller's unit of a kind of semi-self-service bank |
| CN104077720A (en) * | 2014-06-09 | 2014-10-01 | 中国建设银行股份有限公司 | Business handling method and device |
| CN104091105A (en) * | 2014-07-03 | 2014-10-08 | 浪潮(山东)电子信息有限公司 | User identity authentication method based on self-service banking system |
| CN104299330A (en) * | 2014-10-31 | 2015-01-21 | 深圳怡化电脑股份有限公司 | Long-distance virtual teller system and method for self-help card distribution |
| CN104916032A (en) * | 2015-05-28 | 2015-09-16 | 浪潮软件集团有限公司 | Bill processing equipment based on bank self-service |
| CN108961606A (en) * | 2018-05-23 | 2018-12-07 | 合肥汇英科技有限公司 | A kind of self-service financial services equipment and system |
| CN110674758A (en) * | 2019-09-26 | 2020-01-10 | 中国银行股份有限公司 | Multifunctional peripheral |
| CN110889369A (en) * | 2019-11-25 | 2020-03-17 | 泰康保险集团股份有限公司 | Self-service machine equipment and operation method thereof |
| CN111462419B (en) * | 2020-04-14 | 2022-01-07 | 长城信息股份有限公司 | Intelligent self-service terminal equipment for realizing integration and modularization of bank outlets |
| CN113053022B (en) * | 2021-03-30 | 2022-08-30 | 恒银金融科技股份有限公司 | Working method of bank multipurpose financial equipment |
| CN113299017A (en) * | 2021-05-20 | 2021-08-24 | 交通银行股份有限公司 | Bank machine capable of simultaneously serving multiple customers and control method |
| CN113554826A (en) * | 2021-07-21 | 2021-10-26 | 东方通信股份有限公司 | Integrated modularized intelligent bank terminal for hall |
| CN113781717A (en) * | 2021-08-30 | 2021-12-10 | 中国建设银行股份有限公司 | Intelligent auxiliary equipment and intelligent self-service system used in cooperation with intelligent teller machine |
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