CN103136874A - Bill processing method based on self-service terminal - Google Patents
Bill processing method based on self-service terminal Download PDFInfo
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- CN103136874A CN103136874A CN2013100122127A CN201310012212A CN103136874A CN 103136874 A CN103136874 A CN 103136874A CN 2013100122127 A CN2013100122127 A CN 2013100122127A CN 201310012212 A CN201310012212 A CN 201310012212A CN 103136874 A CN103136874 A CN 103136874A
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- 238000003672 processing method Methods 0.000 title claims abstract description 31
- 238000007639 printing Methods 0.000 claims abstract description 15
- 230000002452 interceptive effect Effects 0.000 claims abstract description 12
- 238000000034 method Methods 0.000 claims description 9
- 238000012795 verification Methods 0.000 claims description 3
- 238000012545 processing Methods 0.000 description 5
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- 238000005516 engineering process Methods 0.000 description 3
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Abstract
The invention relates to a bill processing method based on a self-service terminal. The bill processing method for automatically drawing a bill comprises the following steps: (101) connecting a cipherer device and performing online login; (102) entering face value information through a self-service terminal interactive interface; (103) receiving user check issuing instructions, generating a payment code through the cipherer device, entering a next step in case of success, or else ending; (104) generating two-dimension code information through the payment code; (105) printing the face value information and the two-dimension code information; or automatically generating a pay-in slip; (201) placing a check; (202) automatically identifying payment code information and the face value information through the self-service terminal and sending the payment code information and the face value information to a bill-drawing bank; (203) enabling the bill-drawing bank to check and judge trueness of the check, entering a next step if the check is true, or else ending; (204) enabling the bill-drawing bank to judge whether payment in a full amount can be achieved, enabling credit for load to be successful and entering a next step if the payment in a full amount can be achieved, or else ending; (205) entering pay-in slip information through the self-service terminal interactive interface; (206) placing the pay-in slip; and (207) performing printing.
Description
Technical field
The present invention relates to automatic intelligent treatment facility and electronic information security technology, be specifically related to a kind of bill processing method based on self-aided terminal.
Background technology
At present, adopting check to carry out settlement of transactions is one of main clearing form in economic dealing between enterprises and institutions, and check is one of most popular cashless payment instrument.In recent years, due to forge, adulterium check and the fraud of writing out falsely kite bill happen occasionally, the payee particularly Sole Proprietorship trade company and a people for evading financial risks, often make in a large number in cash in daily economic transaction, the current issue amount increases year by year, and cash settlement very easily causes national tax to run off.Simultaneously, in the buying and selling take check as means of payment, after the bearer paid check, sales unit could deliver after often need waiting the fund receipts appropriate, makes the circulation of commodity be subject to certain impact.The conventional checks transaction must manually be completed by sales counter, and adopts single sales counter mode, and in today of commercial activity high development, the inefficient artificial treatment of check trading and sales counter queueing form and sales counter is inharmonious frequently, has greatly increased transaction cost; If high-speed automated and Intelligent treatment does not have corresponding measure will inevitably bring check to use potential safety hazard on the other hand, while sales counter artificial judgment is because also there is potential safety hazard in the development of pseudo-technology for making, so the present invention need can also guarantee and more improve safety coefficient when reducing transaction cost.
Summary of the invention
The technical issues that need to address of the present invention are, how a kind of bill processing method based on self-aided terminal is provided, can improve the automatic intelligent treatment step, complete most of check or bill operation processed by user self-help, improve treatment effeciency, reduce the processing time, and more guarantee the safe and reliable of check or bill business than artificial judgment, improve the security that check uses, avoid bank or client's loss.
Technical matters of the present invention solves like this: build a kind of bill processing method based on self-aided terminal, utilize the self-aided terminal that is connected with the bank internal computer network, this bill processing method
Automatic ticket like this:
101) utilize special-purpose USB connecting line to connect scrambler equipment to described self-aided terminal, parallel machine logs in;
102) pass through the corresponding interactive interface typing ticket information of self-aided terminal;
103) receive user's check by self-aided terminal and sign and issue instruction, then generate payment cipher and judge whether this process successful by described scrambler equipment? be to enter next step, finish otherwise skip following steps;
104) generate 2 D code information according to described payment cipher;
105) print described typing ticket information and the 2 D code information that comprises described payment cipher on the paper checks that is placed to the self-aided terminal print position;
Perhaps so automatic generation pay-in slip:
) identify to enclose and deposit
201) manually place paper checks to the check identified region of self-aided terminal;
202) identify the check information of obtaining described identified region and send to the row of drawing a bill by automatic terminal; Described check information comprises payment cipher information and ticket information;
203) draw a bill the row judge that by the payment cipher verification check of this identified region is true? be to enter next step, finish otherwise skip following steps;
204) draw a bill the row judge whether and can pay in full amount? be that circle is saved as merit, select to enter next step, finish otherwise skip following steps;
(2) print
205) the corresponding pay-in slip information of the check of the described identified region of corresponding interactive interface typing by self-aided terminal;
206) manually place the papery pay-in slip to the printing in-position of self-aided terminal;
207) print described pay-in slip information on described papery pay-in slip.
According to the bill processing method based on self-aided terminal provided by the invention, described step 103), 203) and 204) if in judged result whether, all comprise the prompting error message.
According to the bill processing method based on self-aided terminal provided by the invention, the method includes, but are not limited to following mode:
(1) described check identified region is the bar-code identification position, described step 202) obtain ticket information in described check information by bar code scan;
(2) described check identified region is the OCR identified region, described step 202) identify the ticket information of obtaining in described check information by OCR; Wherein: also be included in the ticket information of checking or revise described OCR identification after OCR identification, the user confirm and revise errorless after, then send to the row of drawing a bill, avoid like this information errors.
According to the bill processing method based on self-aided terminal provided by the invention, described step 202) scan the payment cipher information of obtaining in described check information by two-dimension code.
According to the bill processing method based on self-aided terminal provided by the invention, described step 103) also comprise connection scrambler equipment and self-aided terminal computing machine, by the corresponding interactive interface typing of self-aided terminal check information, the device equipment that accesses to your password is drawn a cheque, and calculates payment cipher.
According to the bill processing method based on self-aided terminal provided by the invention, described step 204) be to comprise that also selection does not enter next step, skips described step 205 if judgment result is that)-207) finish.
According to the bill processing method based on self-aided terminal provided by the invention, this bill processing method is identified banknote like this:
Corresponding interactive interface typing banknote crest information by automatic terminal;
The corresponding banknote validity of network connection data library inquiry and whether in the storehouse;
Return results output Query Result or the true and false the result of banknote on the automatic terminal display screen according to database.
According to the bill processing method based on self-aided terminal provided by the invention, described self-aided terminal is provided with display screen and numeric keypad; Described numeric keypad, check identified region and print the in-position and all be positioned at described display screen below or the corresponding recessed window of left side self-aided terminal shell, structure is as shown in Fig. 1 or 6.
According to the bill processing method based on self-aided terminal provided by the invention, comprise above-mentioned technical characterictic or above-mentioned technical characterictic combination in any.
According to the bill processing method based on self-aided terminal provided by the invention, scrambler equipment is SZM02-A PEPC-610 e_payment cipher, SZM02-A PEPC-611 e_payment cipher.
Bill processing method based on self-aided terminal provided by the invention, in conjunction with self-service and sales counter dual mode, the user need not sales counter can self-servicely carry out that check is signed and issued and circle is deposited, and can the automatic printing pay-in slip, the safety practice of depositing in each processes such as verifying pay-in slip with sales counter is signed and issued, enclosed to combining cipher device equipment, password authentification and check, not only improve treatment effeciency, reduce the processing time, more single sales counter mode has improved the safety of check use procedure greatly.
Description of drawings
Further the present invention is described in detail below in conjunction with the drawings and specific embodiments:
Fig. 1 is the bill self-help exterior of terminal structural representation of first preferred embodiment of the invention;
Fig. 2 is the internal circuit syndeton schematic diagram of bill self-help terminal shown in Figure 1;
Fig. 3 is the check circle deposit program circuit schematic diagram in bill self-help terminal shown in Figure 1;
Fig. 4 is the printed checks program circuit schematic diagram in bill self-help terminal shown in Figure 1;
Fig. 5 is the banknote crest polling routine schematic flow sheet in bill self-help terminal shown in Figure 1;
Fig. 6 is the bill self-help exterior of terminal structural representation of another preferred embodiment of the present invention.
Embodiment
At first, the bill self-help terminal of first preferred embodiment of the invention is described:
This self-aided terminal adopts 19 cun touch LCD screens 11, overall appearance as shown in Figure 1, built-in multimedia computer, the bearer only needs check is put into the check identified region of the recessed window 12 of self-aided terminal, this terminal can be identified ticket information automatically, and be presented on LCD screen, carry out next step check business.This self-aided terminal has been realized bill recognition function, bill operation processing capacity, bill self-help printing function, bank note hat font size symbol lookup function and advertising business processing capacity.
This self-aided terminal identification module adopts the CCD module, by fixed focal length, takes whole check picture, in check identification window top middle portion, camera is installed, the LED that high brightness is installed on every side provides environment light source, and the bottom is the check placement platform, the sign that the check placement location is wherein arranged, concave form; Print module uses needle type bill printing machine to process the bill printing business, is arranged on terminal inner, reserves and prints outlet so that printed tickets is used.
The bill self-help terminal of the first preferred embodiment, the internal circuit syndeton comprises keyboard module, touch display screen, network and USB communication module group, bill printing module, voucher print module, image processing module, two-dimension code identification module and the OCR identification module of main control module and connection thereof as shown in Figure 2.
The second, in conjunction with the bill self-help terminal embedded software of first preferred embodiment of the invention in detail specific implementation of the present invention is described in detail:
(1) check identification circle is deposited
By automatic identification function, check information is entered in self-aided terminal, select corresponding business function, check is signed and issued, enclosed and the operation such as deposit.Complete check by self-aided terminal and accept process.Automatically recognition method is divided into two kinds of situations for different checks:
Printout is with the check of two-dimension code
To this type of check, this terminal meeting autoscan two-dimension code obtains ticket information, quick and precisely.
Printout is not with check or the hand-written check of two-dimension code
To this type of check, this terminal is identified by OCR, obtains ticket information, for printed checks, quick and precisely; Hand-written check has certain misclassification rate.
Need it is consistent with check information that the bearer check displaying information on screen after check identification was completed? if consistent, click and confirm to get final product; If inconsistent, can after revise on screen, click and confirm to get final product.
As shown in Figure 3, the built-in check of the bill self-help terminal of first preferred embodiment of the invention identification circle is deposited application program and is comprised following concrete steps:
301) beginning;
302) manually place the check identified region of paper checks to the recessed window 12 of self-aided terminal;
303) gather payment cipher and ticket information by automatic terminal, specifically can scan or OCR identification by two-dimension code;
304) judge whether to gather successfully? be to enter next step, otherwise enter step 307);
Does 305) automatic terminal send to the capable verification of drawing a bill to judge that this check is true Information Monitoring? be to enter next step, otherwise enter step 307);
306) draw a bill the row judge whether and can pay in full amount? be that circle is saved as merit, otherwise enter step 307);
307) finish.
) bill printing
Utilize self-help terminal equipment, use the check service processing software, typing check information, connection scrambler equipment, check is carried out password to be signed and issued, after completing check and signing and issuing, sky is propped up ticket place the outlet of printer place, use printing function, the check information of typing is printed on check, completes and draw a bill, sign and issue business.
As shown in Figure 4, the built-in bill printing application program of the bill self-help terminal of first preferred embodiment of the invention comprises following concrete steps:
401) beginning;
402) do you judge the bill type that the user selects by automatic terminal? be pay-in slip, enter step 403); Be check, enter step 406);
403) typing pay-in slip information;
404) manually place the papery pay-in slip to the printing in-position of self-aided terminal;
405) print pay-in slip, enter step 410);
406) pass through the corresponding interactive interface typing ticket information of automatic terminal;
407) connect scrambler equipment, draw a cheque, generate payment cipher;
Do does 408) whether judgement sign and issue successful? be to enter next step, otherwise enter step 410);
409) printed checks: ticket information and password;
410) finish.
) bank note hat font size symbol lookup
Code on bank note refers on banknote that code is made of jointly English alphabet and numeral by the code of the Renminbi of the unified printing of the People's Bank, it is identity unique after note issue, the code of each bank note is unique, and similar people's fingerprint is the basic of identification bank note; Emission of banknotes unit to the bank note of the different denominations issued, by different coded representation, and carries out record to the code of the bank note issued, is preced with font size symbol lookup function by self-aided terminal, if the code of repetition is arranged, so wherein counterfeit money must be arranged; Must be counterfeit money for not recording bank note appearance on the regular payroll.
As shown in Figure 5, the built-in hat font size symbol lookup application program of the bill self-help terminal of first preferred embodiment of the invention comprises following concrete steps:
501) beginning;
502) pass through the corresponding interactive interface typing banknote crest information of automatic terminal;
503) network connection internal database carries out data base querying;
504) is judgement hat font size in the validity scope and not in the storehouse? be to enter next step, otherwise enter step 506);
505) output Query Result or banknote are true on the automatic terminal screen, enter step 507);
506) output Query Result or banknote are false on the automatic terminal screen;
507) finish.
Four) advertising business function
For taking full advantage of the utilization rate of self-aided terminal, when unmanned use, free time, can show various advertising messages on self-aided terminal, as bank's new business introduction, new product using method etc., facilitate the propagation of information., can arrange terminal, realize switching and demonstration for the information of different advertisements, different time.
The 3rd, the bill self-help terminal of another preferred embodiment of brief description the present invention, overall appearance as shown in Figure 6, be a recessed window 12 is refined as by concrete function a plurality of with the first preferred embodiment difference, that is: be provided with a plurality of window interaction area on the shell in below touch display screen 11 and left side: keyboard and bill printing window, OCR identification window, bar-code identification window and authority print window.
At last, the above is only preferred embodiment of the present invention, and all equalizations of doing according to claim scope of the present invention change and modify, and all should belong to the covering scope of claim of the present invention.
Claims (10)
1. the bill processing method based on self-aided terminal, is characterized in that, utilizes the self-aided terminal that is connected with the bank internal computer network, this bill processing method
Automatic ticket like this:
101) utilize special-purpose USB connecting line to connect scrambler equipment to described self-aided terminal, parallel machine logs in;
102) pass through the corresponding interactive interface typing ticket information of self-aided terminal;
103) receive user's check by self-aided terminal and sign and issue instruction, then generate payment cipher and judge whether this process successful by described scrambler equipment? be to enter next step, finish otherwise skip following steps;
104) generate 2 D code information according to described payment cipher;
105) print described typing ticket information and the 2 D code information that comprises described payment cipher on the paper checks that is placed to the self-aided terminal print position;
Perhaps so automatic generation pay-in slip:
(1) the identification circle is deposited
201) manually place paper checks to the check identified region of self-aided terminal;
202) identify by automatic terminal the check information of obtaining described identified region, send to the row of drawing a bill; Described check information comprises payment cipher information and ticket information;
203) draw a bill the row judge that by the payment cipher verification check of this identified region is true? be to enter next step, finish otherwise skip following steps;
204) draw a bill the row judge whether and can pay in full amount? be that circle is saved as merit, select to enter next step, finish otherwise skip following steps;
(2) print
205) the corresponding pay-in slip of the check of the described identified region of corresponding interactive interface typing by self-aided terminal, and typing pay-in slip information;
206) manually place the papery pay-in slip to the printing in-position of self-aided terminal;
207) print described pay-in slip information on described papery pay-in slip.
2. according to claim 1 based on the bill processing method of self-aided terminal, it is characterized in that described step 103), 203) and 204) if in judged result whether, all comprise the prompting error message.
3. according to claim 1 based on the bill processing method of self-aided terminal, it is characterized in that, described check identified region is the bar-code identification position, described step 202) obtain ticket information in described check information by bar code scan.
4. according to claim 1 based on the bill processing method of self-aided terminal, it is characterized in that, described check identified region is the OCR identified region, described step 202) identify the ticket information of obtaining in described check information by OCR.
5. according to claim 4 based on the bill processing method of self-aided terminal, it is characterized in that described step 202) also comprise the ticket information of checking or revise described OCR identification, user confirm and revise errorless after, then send to the row of drawing a bill.
6. according to claim 1 based on the bill processing method of self-aided terminal, it is characterized in that described step 202) scan the payment cipher information of obtaining in described check information by two-dimension code.
7. according to claim 1 based on the bill processing method of self-aided terminal, it is characterized in that, described step 103) also comprise connection scrambler equipment and self-aided terminal computing machine, by the corresponding interactive interface typing of self-aided terminal check information, the device equipment that accesses to your password is drawn a cheque, and calculates payment cipher.
8. according to claim 1 based on the bill processing method of self-aided terminal, it is characterized in that described step 204) be to comprise that also selection does not enter next step, skips described step 205 if judgment result is that)-207) finish.
9. according to claim 1 based on the bill processing method of self-aided terminal, it is characterized in that, this bill processing method is identified banknote like this:
Corresponding interactive interface typing banknote crest information by automatic terminal;
The corresponding banknote validity of network connection data library inquiry and whether in the storehouse;
Return results output Query Result or the true and false the result of banknote on the automatic terminal display screen according to database.
10. the described bill processing method based on self-aided terminal of according to claim 1-9 any one, is characterized in that, described self-aided terminal is provided with display screen and numeric keypad; Described numeric keypad, check identified region and print the in-position and all be positioned at described display screen below or the corresponding recessed window of left side self-aided terminal shell.
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| CN105205939A (en) * | 2014-08-09 | 2015-12-30 | 北京互帮国际技术有限公司 | Cashing credential reading and writing system and method for self-service terminal |
| CN105701905A (en) * | 2014-11-28 | 2016-06-22 | 航天信息股份有限公司 | Invoice recognition method and system |
| CN106228711A (en) * | 2016-05-23 | 2016-12-14 | 北京孔方同鑫科技有限公司 | A kind of identity-based is examined and can be for the degerming automatic trading apparatus of bank note |
| CN107122387A (en) * | 2017-02-28 | 2017-09-01 | 广州地理研究所 | Processing method, the device and system of public transport barcode scanning ticket checking data |
| CN108010232A (en) * | 2017-12-30 | 2018-05-08 | 广东金赋科技股份有限公司 | A kind of self-service dispensing apparatus of duty stamp |
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| CN103136874B (en) | 2015-11-25 |
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Effective date of registration: 20160204 Address after: 300000 Tianjin City, Hexi District Jiangxi road and Hefei Road intersection southwest side Furun center 1-1903 Patentee after: JIAPIAOTONG (TIANJIN) CHECK TRANSFER TECHNOLOGY CO.,LTD. Address before: Xiangnian Plaza Nanshan District Qiaoxiang road 518053 Shenzhen City, Guangdong Province Patentee before: SHENZHEN POKA ELECTRONIC EQUIPMENT Co.,Ltd. |
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Address after: 1-1903, Furun Center, southwest of the intersection of Jiangxi Road and Hefei Road, Hexi District, Tianjin, 300000 yuan Patentee after: Jiapiaotong (Tianjin) Technology Co.,Ltd. Guo jiahuodiqu after: Zhong Guo Address before: 1-1903, Furun Center, southwest of the intersection of Jiangxi Road and Hefei Road, Hexi District, Tianjin, 300000 yuan Patentee before: JIAPIAOTONG (TIANJIN) CHECK TRANSFER TECHNOLOGY CO.,LTD. Guo jiahuodiqu before: Zhong Guo |
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Effective date of registration: 20240229 Address after: 518000 804, main building (Block C), Xiangnian Plaza [North District], Qiaoxiang Road, Nanshan District, Shenzhen, Guangdong Province Patentee after: SHENZHEN POKA ELECTRONIC EQUIPMENT Co.,Ltd. Guo jiahuodiqu after: Zhong Guo Address before: 1-1903, Furun Center, southwest of the intersection of Jiangxi Road and Hefei Road, Hexi District, Tianjin, 300000 yuan Patentee before: Jiapiaotong (Tianjin) Technology Co.,Ltd. Guo jiahuodiqu before: Zhong Guo |