CN104484942A - Client interaction terminal and counter transaction method thereof - Google Patents
Client interaction terminal and counter transaction method thereof Download PDFInfo
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- CN104484942A CN104484942A CN201410777944.XA CN201410777944A CN104484942A CN 104484942 A CN104484942 A CN 104484942A CN 201410777944 A CN201410777944 A CN 201410777944A CN 104484942 A CN104484942 A CN 104484942A
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Abstract
The invention discloses a client interaction terminal and a counter transaction method thereof. The client interaction terminal comprises a terminal shell, an electromagnetic induction pen, a main control board, a solid key, a communication device, a camera, a microphone, a fingerprint instrument and a screen, wherein the main control board is fixed in the terminal shell, and the solid key, the communication device, the camera, the microphone, the fingerprint instrument and the screen are fixed on the terminal shell and electrically connected with the main control board; the main control board is communicated with a main machine through the communication device; a notch capable of accommodating the electromagnetic induction pen is formed in the terminal shell; the screen comprises an electromagnetic induction-type touch screen, a liquid crystal display screen and a capacitance-type touch screen, the capacitance-type touch screen covers the liquid crystal display screen, and the electromagnetic induction-type touch screen is arranged below the liquid crystal display screen; the capacitance-type touch screen is a transparent screen. By virtue of a trinity way of fingerprint, password, original handwriting signature and comparison, top-grade identification verification on a client is carried out, so that the safety of counter transaction is improved; meanwhile, on the basis that the existing transaction system and flow are not changed, a paperless and electronized entire flow of the counter transaction is realized.
Description
Technical field
The present invention relates to a kind of customer interaction terminal and cabinet face method of commerce thereof.
Background technology
The general flow of traditional financial industry cabinet face transacting business is: teller is transacting business in window, client waits for outward at window, until be prompted the trading password inputting oneself when inputting password again, sign on printed transaction slip after Transaction Success, after bank affixes one's seal, a portion of retaining gives client.Its defect is apparent: client is handling in process of exchange, completely ignorant to process of exchange, is especially handling in many transactions continuously, there is the possibility of row side's internal risks.
In recent years at the customer interaction terminal that financial industry is progressively promoted, integrated Password Input and information display screen, the Main Function of display display screen is client trading information display to confirm for user on screen, to take precautions against the inside crime of financial industry and to avoid going wrong, better promote the service theory of industry, its main flow is as follows simultaneously:
1) teller handles client traffic in teller PC system, typing client essential information, and starts transacting business;
2) client inputs trading password under prompting;
3) by the key message of transaction and element of transaction, as name, dealing money etc. are pushed on customer interaction terminal display screen, confirmation is consulted for client;
4) client consults this transaction of errorless rear confirmation;
5) teller prints papery strip, and client signs in papery strip, and teller affixes one's seal retention;
6) closing the transaction;
Existing cabinet face customer interaction pattern has following shortcoming:
1) papery signature scheme is in signature, all exists and be forged risk after signature;
2) papery strip and signature needs thereof take a large amount of physical space, need expend more human and material resources and manage, and inquiry difficulty is large;
3), widely popularize the overall background of non-support cable in every profession and trade under, not environmentally, paper cost is high, does not also meet the development trend of information age for papery strip and signature thereof;
4) security is not strong, and the uniqueness checking measure of identity and signature is relatively weak;
5) subsequent supervision mechanism is weak, lacks the subsequent supervision mechanism of business handling, such as: though there are safety and protection monitoring in bank outlets, for restrictions such as protection client trading privacy, shooting angle, well can not play subsequent supervision effect; Expandability is weak, and whole flow process is comparatively traditional, under Information Condition, is difficult to the expansion carrying out new business new technological process, does not also meet the development trend of information age.
Summary of the invention
First object of the present invention is to provide a kind of customer interaction terminal, realizes the cabinet face transaction that whole process is with no paper, electronic.
The technical scheme realizing the present invention's first object is: a kind of customer interaction terminal, comprise terminal shell, electromagnetic pen, be fixed on the master control borad in terminal shell, and be fixed on the physical button, communication device, camera, microphone, fingerprint instrument and the screen that are electrically connected on terminal shell and with master control borad; Described master control borad is by communication device and host communication; Described terminal shell is provided with the groove that can hold electromagnetic pen; Described screen comprises induction touch screen, LCDs and capacitance type touch control screen, and capacitance type touch control screen covers in LCDs, and induction touch screen is arranged on below LCDs; Described capacitance type touch control screen is transparent screen.
The snap fit with electromagnetic pen snap-fit engagement is provided with in groove on described terminal shell.
The afterbody of described electromagnetic pen is connected with terminal shell by rope.
Second object of the present invention is to provide the cabinet face method of commerce of aforementioned customer interaction terminal, realizes whole process with no paper, electronic, improves security during transaction.
The technical scheme realizing the present invention's second object is: a kind of cabinet face method of commerce of customer interaction terminal, comprises the following steps:
1., client arrives cabinet face, and teller starts transacting business, and synchronous selection starts camera and microphone, and the outer client's sound of the synchronous showcase of teller's computer draws video state, and teller manually can select shooting tableaux or shoot with video-corder dynamic video;
2., start transacting business, under prompting, client inputs individual trading password by physical button, and trading password send main frame to compare on after master control borad encryption, and after comparison is correct, transaction proceeds;
3., then system press fingerprint by LCDs prompting user, fingerprint instrument reads client finger print information, and on send main frame to carry out fingerprint characteristic value comparison to the fingerprint feature information that client retains in advance, after comparison correctly, transaction proceeds;
4., the system key message of client being handled transaction is sent in LCDs, consults confirmation for client;
5., client consult information and confirm transaction after, main frame generate this transaction electronics strip and transaction e document, be issued to LCDs, consult for user;
6., master control borad by LCDs prompting user sign on induction touch screen, client uses electromagnetic pen to carry out former person's handwriting electronic signature on induction touch screen; After signature, user clicks and determines, signed data gives main frame on after master control borad encryption, and after main frame deciphering, and the handwriting signature be pre-stored in signature comparer system and eigenwert are compared, to prove that whether this signature is reliable;
7., the electronic signature of former for client person's handwriting and client's fingerprint image of reading be blended into the assigned address of electronics strip by master control borad respectively, generates new electronic document, be illustrated in LCDs, consult for user;
8., electronics strip and transaction e document are sent to host computer system by master control borad, main frame files after adding a cover electronic seal, and by multimedia message, electronics strip is sent on the phone number of client reservation, by Email, electronics strip is sent in the E-mail address of client reservation simultaneously;
9., master control borad cleans out all data of this client, comprises signed data and all local temporary files such as signature figure, finger print data and fingerprint graph, electronics strip etc.;
10., main frame preserves the image data that camera and microphone obtain, and retains, whole closing the transaction after stamping timestamp as subsequent supervision material.
Have employed technique scheme, the present invention has following beneficial effect: (1) the present invention is by the trinity mode of fingerprint, password, former handwriting Signature and comparison, high level authentication is carried out to client, improve the security of cabinet face transaction, do not changing on existing transaction system and process base, the whole process achieving the transaction of cabinet face is with no paper, electronic simultaneously.
(2) be provided with the snap fit with electromagnetic pen snap-fit engagement in the groove on terminal shell of the present invention, this structure can avoid induction touch screen when mobile, and electromagnetic pen skids off in groove.
(3) afterbody of electromagnetic pen of the present invention is connected with terminal shell by rope, and this mechanism can avoid electromagnetic induction pen loss.
Accompanying drawing explanation
In order to make content of the present invention more easily be clearly understood, below according to specific embodiment also by reference to the accompanying drawings, the present invention is further detailed explanation, wherein
Fig. 1 is structural representation of the present invention.
Label in accompanying drawing is:
Master control borad 1, physical button 2, communication device 3, camera 4, microphone 5, fingerprint instrument 6, induction touch screen 7, LCDs 8, capacitance type touch control screen 9, electromagnetic pen 10, main frame 11.
Embodiment
(embodiment 1)
See Fig. 1, the customer interaction terminal of the present embodiment, comprises terminal shell, electromagnetic pen 10, be fixed on the master control borad 1 in terminal shell, and be fixed on be electrically connected on terminal shell and with master control borad 1, communication device 3, camera 4, microphone 5, fingerprint instrument 6 and screen.
Master control borad 1 is by communication device 3 and main frame 11 communication.Terminal shell is provided with the groove that can hold electromagnetic pen 10, is provided with the snap fit with electromagnetic pen 10 snap-fit engagement in groove.The afterbody of electromagnetic pen 10 is connected with terminal shell by rope.Screen comprises induction touch screen 7, LCDs 8 and capacitance type touch control screen 9, and capacitance type touch control screen 9 covers in LCDs 8, and induction touch screen 7 is arranged on below LCDs 8.Capacitance type touch control screen 9 is transparent screen.
The cabinet face method of commerce of the customer interaction terminal of the present embodiment, comprises the following steps:
1., client arrives cabinet face, and teller starts transacting business, and synchronous selection starts camera 4 and microphone 5, and the outer client's sound of the synchronous showcase of teller's computer draws video state, and teller manually can select shooting tableaux or shoot with video-corder dynamic video.
2., start transacting business, under prompting, client inputs individual trading password by physical button 2, and trading password is encrypted afterwards by master control borad 1 and sent main frame 11 to compare, and after comparison is correct, transaction proceeds.
3., then system point out user by fingerprint by LCDs 8, fingerprint instrument 6 reads client's finger print information, and on send the main frame fingerprint feature information that 11 couples of clients retain in advance to carry out fingerprint characteristic value comparison, after comparison is correct, transaction proceeds.
4., the system key message of client being handled transaction is sent in LCDs 8, consults confirmation for client.
5., client consult information and confirm transaction after, main frame 11 generate this transaction electronics strip and transaction e document, be issued to LCDs 8, consult for user.
6., master control borad 1 points out user to sign on induction touch screen 7 by LCDs 8, and client uses electromagnetic pen 10 to carry out former person's handwriting electronic signature on induction touch screen 7.After signature, user clicks and determines, signed data encrypted by master control borad 1 after on give main frame 11, after main frame 11 is deciphered, and the handwriting signature be pre-stored in signature comparer system and eigenwert are compared, to prove that whether this signature reliable.
7., the electronic signature of former for client person's handwriting and client's fingerprint image of reading be blended into the assigned address of electronics strip by master control borad 1 respectively, generates new electronic document, be illustrated in LCDs 8, consult for user.
8., electronics strip and transaction e document are sent to main frame 11 system by master control borad 1, main frame 11 files after adding a cover electronic seal, and by multimedia message, electronics strip is sent on the phone number of client reservation, by Email, electronics strip is sent in the E-mail address of client reservation simultaneously.
9., master control borad 1 cleans out all data of this client, comprises signed data and all local temporary files such as signature figure, finger print data and fingerprint graph, electronics strip etc.
10., main frame 11 preserves the image data that camera 4 and microphone 5 obtain, and retains, whole closing the transaction after stamping timestamp as subsequent supervision material.
Above-described specific embodiment; object of the present invention, technical scheme and beneficial effect are further described; be understood that; the foregoing is only specific embodiments of the invention; be not limited to 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 (4)
1. a customer interaction terminal, it is characterized in that: comprise terminal shell, electromagnetic pen (10), be fixed on the master control borad (1) in terminal shell, and be fixed on the physical button (2), communication device (3), camera (4), microphone (5), fingerprint instrument (6) and the screen that are electrically connected on terminal shell and with master control borad (1); Described master control borad (1) is by communication device (3) and main frame (11) communication; Described terminal shell is provided with the groove that can hold electromagnetic pen (10); Described screen comprises induction touch screen (7), LCDs (8) and capacitance type touch control screen (9), capacitance type touch control screen (9) covers in LCDs (8), and induction touch screen (7) is arranged on LCDs (8) below; Described capacitance type touch control screen (9) is transparent screen.
2. a kind of customer interaction terminal according to claim 1, is characterized in that: be provided with the snap fit with electromagnetic pen (10) snap-fit engagement in the groove on described terminal shell.
3. a kind of customer interaction terminal according to claim 1, is characterized in that: the afterbody of described electromagnetic pen (10) is connected with terminal shell by rope.
4. a cabinet face method of commerce for customer interaction terminal, is characterized in that: comprise the following steps:
1., client arrives cabinet face, teller starts transacting business, and synchronous selection starts camera (4) and microphone (5), the outer client's sound of the synchronous showcase of teller's computer draws video state, and teller manually can select shooting tableaux or shoot with video-corder dynamic video;
2., transacting business is started, under prompting, client inputs individual trading password by physical button (2), and trading password send main frame (11) to compare on after master control borad (1) encryption, after comparison is correct, transaction proceeds;
3., then system presses fingerprint by LCDs (8) prompting user, fingerprint instrument (6) reads client's finger print information, and on send main frame (11) to carry out fingerprint characteristic value comparison to the fingerprint feature information that client retains in advance, after comparison is correct, transaction proceeds;
4., the system key message of client being handled transaction is sent in LCDs (8), consults confirmation for client;
5., client consult information and confirm transaction after, main frame (11) generate this transaction electronics strip and transaction e document, be issued to LCDs (8), consult for user;
6., master control borad (1) by LCDs (8) prompting user at the upper signature of induction touch screen (7), client uses electromagnetic pen (10) to carry out former person's handwriting electronic signature on induction touch screen (7); After signature, user clicks and determines, signed data gives main frame (11) on after master control borad (1) encryption, after main frame (11) deciphering, and the handwriting signature be pre-stored in signature comparer system and eigenwert are compared, to prove that whether this signature is reliable;
7., the electronic signature of former for client person's handwriting and client's fingerprint image of reading be blended into the assigned address of electronics strip by master control borad (1) respectively, generates new electronic document, be illustrated in LCDs (8), consult for user;
8., electronics strip and transaction e document are sent to main frame (11) system by master control borad (1), file after electronic seal added a cover by main frame (11), and by multimedia message, electronics strip is sent on the phone number of client reservation, by Email, electronics strip is sent in the E-mail address of client reservation simultaneously;
9., master control borad (1) cleans out all data of this client, comprises signed data and all local temporary files such as signature figure, finger print data and fingerprint graph, electronics strip etc.;
10., main frame (11) preserves camera (4) and the image data that obtains of microphone (5), stamps as the retention of subsequent supervision material after timestamp, whole closing the transaction.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201410777944.XA CN104484942A (en) | 2014-12-15 | 2014-12-15 | Client interaction terminal and counter transaction method thereof |
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| CN201410777944.XA CN104484942A (en) | 2014-12-15 | 2014-12-15 | Client interaction terminal and counter transaction method thereof |
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| CN104484942A true CN104484942A (en) | 2015-04-01 |
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| CN201410777944.XA Pending CN104484942A (en) | 2014-12-15 | 2014-12-15 | Client interaction terminal and counter transaction method thereof |
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Cited By (6)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN106127943A (en) * | 2016-06-13 | 2016-11-16 | 无锡安真通科技有限公司 | Outside a kind of integral type cabinet clearly |
| CN106228079A (en) * | 2016-08-30 | 2016-12-14 | 恒银金融科技股份有限公司 | A kind of finance self-help terminal electronic signature apparatus |
| CN106897864A (en) * | 2017-04-17 | 2017-06-27 | 黄跃明 | A kind of writing-record system and its notes method based on mobile terminal |
| CN108038449A (en) * | 2017-12-14 | 2018-05-15 | 广东德生科技股份有限公司 | A kind of with no paper electric endorsement method and system |
| CN111552983A (en) * | 2020-04-28 | 2020-08-18 | 深圳鼎智通讯股份有限公司 | Electronic signature method based on single chip microcomputer |
| CN112308050A (en) * | 2020-12-07 | 2021-02-02 | 南通大学 | Electronic document hand-written signature method based on biological characteristic recognition |
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| US6510514B1 (en) * | 1997-08-06 | 2003-01-21 | Infineon Technologies Ag | Device for reliability creating electronic signatures |
| CN202422149U (en) * | 2011-09-28 | 2012-09-05 | 汉王科技股份有限公司 | Signature discrimination apparatus with personal identification function |
| CN102968859A (en) * | 2012-11-09 | 2013-03-13 | 深圳市中航软件技术有限公司 | Counter information interaction host |
| CN203733225U (en) * | 2013-12-03 | 2014-07-23 | 江苏国光信息产业股份有限公司 | Integrated client interactive terminal |
| CN203849806U (en) * | 2014-03-27 | 2014-09-24 | 中国民生银行股份有限公司 | Movable intelligent teller machine |
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2014
- 2014-12-15 CN CN201410777944.XA patent/CN104484942A/en active Pending
Patent Citations (5)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| US6510514B1 (en) * | 1997-08-06 | 2003-01-21 | Infineon Technologies Ag | Device for reliability creating electronic signatures |
| CN202422149U (en) * | 2011-09-28 | 2012-09-05 | 汉王科技股份有限公司 | Signature discrimination apparatus with personal identification function |
| CN102968859A (en) * | 2012-11-09 | 2013-03-13 | 深圳市中航软件技术有限公司 | Counter information interaction host |
| CN203733225U (en) * | 2013-12-03 | 2014-07-23 | 江苏国光信息产业股份有限公司 | Integrated client interactive terminal |
| CN203849806U (en) * | 2014-03-27 | 2014-09-24 | 中国民生银行股份有限公司 | Movable intelligent teller machine |
Cited By (7)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN106127943A (en) * | 2016-06-13 | 2016-11-16 | 无锡安真通科技有限公司 | Outside a kind of integral type cabinet clearly |
| CN106228079A (en) * | 2016-08-30 | 2016-12-14 | 恒银金融科技股份有限公司 | A kind of finance self-help terminal electronic signature apparatus |
| CN106897864A (en) * | 2017-04-17 | 2017-06-27 | 黄跃明 | A kind of writing-record system and its notes method based on mobile terminal |
| CN108038449A (en) * | 2017-12-14 | 2018-05-15 | 广东德生科技股份有限公司 | A kind of with no paper electric endorsement method and system |
| CN111552983A (en) * | 2020-04-28 | 2020-08-18 | 深圳鼎智通讯股份有限公司 | Electronic signature method based on single chip microcomputer |
| CN111552983B (en) * | 2020-04-28 | 2023-12-15 | 深圳鼎智通讯股份有限公司 | Electronic signature method based on single chip microcomputer |
| CN112308050A (en) * | 2020-12-07 | 2021-02-02 | 南通大学 | Electronic document hand-written signature method based on biological characteristic recognition |
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Application publication date: 20150401 |