CN105046841A - Intelligent teller machine - Google Patents
Intelligent teller machine Download PDFInfo
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- CN105046841A CN105046841A CN201510436443.XA CN201510436443A CN105046841A CN 105046841 A CN105046841 A CN 105046841A CN 201510436443 A CN201510436443 A CN 201510436443A CN 105046841 A CN105046841 A CN 105046841A
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- teller machine
- automatic teller
- computing machine
- intelligent automatic
- holding tank
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Abstract
The invention discloses an intelligent teller machine. The intelligent teller machine comprises an interaction terminal device, a temporary storage safe box and a main control device. The temporary storage safe box comprises safe box bodies. Cash temporary-storage boxes are arranged on the safe box bodies. Safe gates controlled by a transmission assembly are arranged above the cash temporary-storage boxes. The main control device comprises a computer and a gateway device. A business selection part, an identity authentication part, a password affirmation part and the transmission assembly are in communication with the computer through the gateway device. After receiving a business selection command, positive identity authentication information and positive password affirmation information, the computer controls an on-off motion command of the transmission assembly, and after the on-off motion command of the transmission assembly is completed, business data collected by the interaction terminal device are sent to a bank and a customer through an information pushing module arranged inside or outside the computer. By means of the intelligent teller machine, money depositing and withdrawing business handling can be carried out without waiting in line, time is saved, and safety and convenience are further improved.
Description
Technical field
The present invention relates to financial self-service equipment technical field, exactly relate to and a kind of there is the intelligent automatic teller machine that function kept in by cash.
Background technology
At present in bank outlets, the access of cash adopts that the mode of ATM automatic teller machine is self-service to be handled usually, and the introducing of ATM automatic teller machine, can solve the problem of petty cash access, but for many-sided consideration, existing ATM automatic teller machine on the same day deposit, withdraw amount of cash can be subject to quota restriction.When need access wholesale cash or be less than automatic teller machine set zero paper money of minimum face value time, conventional ATM automatic teller machine just cannot meet the demands.
Therefore, manual type is normally adopted to handle for the access of wholesale cash or the access of zero paper money.But such processing mode can cause the long-time queuing of depositor, although each big bank has nearly all introduced the number of getting system of queuing up and has solved this problem, but most people still can select to wait in hall after getting number, in case miss the time of calling out the numbers, therefore, such processing mode still can waste client's a large amount of stand-by period.Further, when sloppy management, be easy to occur lawless person even bank internal staff steal the accidents such as depositor's deposit by various mode, cause heavy losses to bank and client.
By retrieval, applicant recognizes that publication number is 204155345U, and publication date is that the Chinese patent literature on February 11st, 2015 discloses a kind of teller's cash recycling system.It comprises note input mouth, cash dispensing port, money back mouth, BV identification module, temporary storage part, circular bank note box, useless paper money case, master control borad, power supply, also comprise operate for auxiliary teller touch display screen, for transmit bank note money transmitting channel, add paper money to teller's cash recycling system benefit coin paper money case, can provide with funds spend the night store safety cabinet, described master control borad connects into network.This patent carries touch display screen, mends coin paper money case and safety cabinet, can teller be made to access business more convenient, removes that cash escorted by armoured van, raising fund spends the night security from.
And for example publication number is 204143538U, publication date is the Chinese patent literature on February 4th, 2015, it discloses a kind of Cash recyclers being convenient to sorting process, comprise: pick-up portion, temporary storage part, currency examine portion, multiple storage paper money case, clear Money counting box, first branch, second branch, 3rd branch, bottom transport passage and check transport passage, check transport passage and connect the second branch and clear Money counting box, for the banknote transmission between the second branch and clear Money counting box, three branches have three branches and a switch separately respectively, switch is for controlling the flow direction of bank note in three branches, three branches of the first branch are connected to pick-up portion respectively, currency examine portion and lower passage, three branches of the second branch connect the 3rd branch respectively, currency examine portion and check transport passage, three branches of the 3rd branch are connected to temporary storage part respectively, pick-up portion and the second branch.The Cash recyclers that this utility model provides still can normal service when carrying out checking banknote, does not need to take temporary storage part.
With the prior art that above-mentioned patent documentation is representative, although all introduce temporary storage part, there is the temporary function of cash, but its essence is that client is when the ATM automatic teller machine accessing operation to routine, automatic teller machine one of having itself checks cash, discern the false from the genuine after interim storage part, particularly, after operating personnel leave automatic teller machine, in this interim storage part, do not have paper money coin.Trace it to its cause and be, after existing automatic teller machine does not provide one really to leave for operating personnel, still can temporarily deposit paper money coin and the temporary storage part of paper money coin security can be ensured, simultaneously, be not equipped with to automatic teller machine and can realize cash and keep in function, realize the corresponding function device that client and bank clerk need not carry out business handling face-to-face yet.So, the technical matters that prior art need be waited in line when still unresolved wholesale cash or zero paper money access.
Simultaneously, 204155345U patent documentation also introduces mends coin paper money case and safety cabinet, the function that fund security is spent the night can be improved to a certain extent, but this safety cabinet is the insurance for cashes all in ATM automatic teller machine, be not specifically insure for the cash of depositor or remittee, that is, not having corresponding insurance function for cash temporary storage part, there is potential safety hazard in temporary fund.
Summary of the invention
The present invention is intended to for the defect existing for above-mentioned prior art and deficiency, a kind of intelligent automatic teller machine is provided, utilize this intelligent automatic teller machine, depositor need not carry out aspectantly handling wholesale cash or zero paper money accesses formality with bank clerk, thus achieve depositor and avoid the peak hour and handle the deposit or the withdrawal, really need not wait in line, save the time, and security and convenience obtain further improvement.
The present invention realizes by adopting following technical proposals:
A kind of intelligent automatic teller machine, is characterized in that comprising:
Interactive terminal facility: comprise service selection parts, authentication parts and cryptogram validation component;
Temporary proof box: comprise at least one casing be arranged in temporary proof box, casing is provided with opening, described opening forms note input mouth when customer deposit and casing forms the cash holding tank that this is deposited, described opening forms cash dispensing port when client withdraws the money and casing formation bank clerk places this cash holding tank of withdrawing the money, and temporary proof box is provided with the multiple safety gates being controlled each opening difference switch by transmission component;
Main control unit: comprise computing machine and gateway device, described service selection parts, authentication parts, cryptogram validation component and transmission component all carry out communication by gateway device and computing machine and are connected; Specifically: computing machine controls described interactive terminal facility and client and carries out comprising the interactive operation being not limited to service selection, authentication and password confirming, after computing machine receives service selection instruction, the authentication information determined and password confirming information, control the switch motion instruction of described transmission component, after the switch motion instruction of transmission component completes, by computing machine or the info push module of peripheral hardware the business datum of interactive terminal facility collection is sent to bank and client.
At least one is respectively provided with respectively for monitoring the monitoring camera of described interactive terminal facility and temporary proof box operating process above intelligent automatic teller machine front console upper and rear end part.
Also include lockset, lockset carries out communication by gateway device and computing machine and is connected, and by the switch motion instruction of computer controlled lockmaking tool.
Described lockset is electromagnetic lock, electromagnetic lock is connected with computing machine by control circuit board, safety gate is provided with sliding sleeve, the guide rail be arranged on temporary proof box is combined with sliding sleeve, transmission component is connected with described sliding sleeve and drives the safety gate be connected with sliding sleeve at moving on rails, by described electromagnetic lock locking when safety gate opens or closes.
Intelligence automatic teller machine wall-penetrating type is fixed, and specifically: the front console part of intelligent automatic teller machine exposes body of wall, the rear end of intelligent automatic teller machine is through body of wall.
Described transmission component comprises motor and belt, and computing machine controls described electric machine rotation, and motor passes through belt drive safety gate at moving on rails.
Described service selection parts are touch display.
Described authentication parts are one or more the combinations in bank card card reader, card reader of ID card and finger-print recognising instrument.
Described cryptogram validation component refers to code keypad.
Interactive terminal facility also comprises: strip printer, bill printer and Quick Response Code scanner.
Described touch display, bank card card reader, card reader of ID card, finger-print recognising instrument, Quick Response Code scanner and code keypad are all connected with computing machine and data communication.
Also comprise power-supply unit, power-supply unit is electrically connected with described computing machine, temporary proof box and interactive terminal facility respectively.
A deposit method for intelligent automatic teller machine, is characterized in that comprising:
Interactive terminal facility carries out deposit business and selects operation, authentication operation and Password Input operation, the deposit business gathered is selected operation by interactive terminal facility, the instruction of authentication operation and Password Input operation inputs to computing machine, after machine confirms the legitimacy of authentication operational order and password input instruction as calculated, the cash holding tank controlled on temporary proof box is opened, client stored in paper money coin to cash holding tank, the cash holding tank that computing machine controls on temporary proof box is closed, now, the credit request business datum of interactive terminal facility collection is sent to bank and client by info push module that is in computing machine or peripheral hardware, client acknowledges receipt of after credit request accepts information and leaves, after bank receives credit request service data information, the bank clerk handling this deposit business obtains this deposit business and handles authority, and the cash holding tank controlling this deposit paper money coin is opened, take out paper money coin and take deposits, deposit verified information is sent to client by info push module that is in computing machine or peripheral hardware.
Deposit verified information sends to client specifically to refer to by info push module that is in computing machine or peripheral hardware: as deposit business does not have query, then pass through info push module that is in computing machine or peripheral hardware and send the completed information of business to client, as deposit business has a question, paper money coin is put into cash holding tank by the bank clerk then handling this deposit business, and by computing machine or the info push module of peripheral hardware send please fetch paper money coin information to client.
The described bank clerk handling this deposit business obtains this deposit business by computing machine to handle authority, and the cash holding tank controlling this deposit paper money coin by computing machine is opened.
Client and bank clerk to the operating process of interactive terminal facility, cash holding tank stored in taking-up paper money coin process, all adopt monitoring camera to monitor.
Computing machine controls cash holding tank and opens or closes specifically: cash holding tank is provided with safety gate, safety gate is provided with sliding sleeve, the guide rail be arranged on temporary proof box is combined with sliding sleeve, transmission component is connected with described sliding sleeve, under control of the computer, transmission component drives the safety gate be connected with sliding sleeve at moving on rails, controls cash holding tank and opens or closes, now, by lockset locking safety gate.
The cash holding tank controlling temporary proof box is not equipped with paper money coin after machine confirms the legitimacy of authentication operational order and password input instruction is as calculated opened.
Between client closes stored in paper money coin to cash holding tank and the computing machine cash holding tank controlled on temporary proof box, also have the paper money coin value data step of the treated acquisition of computing machine through confirming.
The paper money coin value data of the treated acquisition of described computing machine through confirming specifically refers to: on interactive terminal facility the cash of client's input stored in value data stored in in computing machine, as plan deposit data; After during paper money coin is stored in cash holding tank, the currency checking module arranged in temporary proof box to stored in paper money coin carry out truth identification and number is determined, and by reality stored in paper money coin value data and true and false information be sent to computing machine, as real storage data; Plan deposit data and real storage data are compared by computing machine, and when real storage data are consistent with plan deposit data, computing machine obtains the paper money coin value data through confirming.
A method of withdrawing the money for intelligent automatic teller machine, is characterized in that comprising:
Client withdraws the money to bank's reservation, after bank receives withdrawal request, the bank clerk handling this business of withdrawing the money obtains this pen and to withdraw the money business handling authority, and the cash holding tank controlled on temporary proof box is opened, bank clerk is stored in paper money coin to cash holding tank, and the cash holding tank controlled on temporary proof box is closed, now, info push module that is in computing machine or peripheral hardware sends withdrawal information to client, notifies that client withdraws the money; After client receives withdrawal information, interactive terminal facility carries out withdraw the money service selection operation, authentication operation and Password Input operation, the instruction that withdraw the money service selection operation, authentication operation and the Password Input that gather operate is inputed to computing machine by interactive terminal facility, machine controls to open stored in the cash holding tank of paper money coin after confirming the legitimacy of authentication operational order and password input instruction as calculated, obtains paper money coin of withdrawing the money.
The mode of described reservation comprises and being not limited to: preengage on intelligent automatic teller machine, communication terminal or bank outlets' cabinet face.
The described mode of preengaging on intelligent automatic teller machine is: interactive terminal facility carries out service selection operation of withdrawing the money, authentication operation and Password Input operation, the service selection operation of withdrawing the money that interactive terminal facility will gather, the instruction of authentication operation and Password Input operation inputs to computing machine, after machine confirms the legitimacy of authentication operational order and password input instruction as calculated, by in computing machine or the info push module of peripheral hardware the withdrawal request business datum of interactive terminal facility collection is sent to bank and client, client leaves intelligent automatic teller machine after acknowledging receipt of the information that withdrawal request accepted, described withdrawal request business datum refers to the data of withdrawing the money determining the amount of money.
Client and bank clerk to the operating process of interactive terminal facility, cash holding tank stored in taking-up paper money coin process, all adopt monitoring camera to monitor.
Cash holding tank opens or closes specifically: the temporary proof box rear end of intelligent automatic teller machine has door, and cash holding tank is placed in temporary proof box, is pulled out by the cash holding tank in temporary proof box or puts in, namely realizing opening or closing of cash holding tank.
Described client preengages to bank the specifically client that withdraws the money and preengages the withdrawal request determining the amount of money to bank.
The described bank clerk handling this business of withdrawing the money obtains this pen by computing machine to withdraw the money business handling authority, and be that the cash holding tank controlled on temporary proof box by computing machine is opened.
Computing machine controls cash holding tank and opens or closes specifically: cash holding tank is provided with safety gate, safety gate is provided with sliding sleeve, the guide rail be arranged on temporary proof box is combined with sliding sleeve, transmission component is connected with described sliding sleeve, under control of the computer, transmission component drives the safety gate be connected with sliding sleeve at moving on rails, controls cash holding tank and opens or closes, now, by lockset locking safety gate.
Between described bank clerk is closed stored in paper money coin to cash holding tank and the cash holding tank controlled on temporary proof box, also have the paper money coin value data step of the treated acquisition of computing machine through confirming.
The paper money coin value data of the treated acquisition of computing machine through confirming specifically refers to: after bank receives withdrawal request service data information, the bank clerk handling this business of withdrawing the money obtains this pen by computing machine and to withdraw the money business handling authority, and the plan obtaining this business of withdrawing the money by computing machine is fetched data, bank clerk by paper money coin stored in after in cash holding tank, the currency checking module arranged in temporary proof box to stored in paper money coin carry out truth identification and number is determined, and by reality stored in paper money coin value data and true and false information be sent to computing machine, fetch data as real; Plan is fetched data by computing machine and real fetching data is compared, and when fetching data consistent when fetching data in fact with plan, computing machine obtains the paper money coin value data through confirming.
compared with prior art, the beneficial effect that reaches of the present invention is as follows:
1, intelligent automatic teller machine of the present invention, compared with prior art, larger improvement has been done for temporary proof box, such as, cash holding tank in this programme is positioned at temporary proof box, and on temporary proof box, be provided with the safety gate of direct switch cash holding tank opening, this and prior art are completely different, in prior art, temporary storage part is drawn by a passage to connect cash dispensing port, temporary storage part stores storage paper money case or the safety cabinet of buckets of cash by another channel connection, in other words, temporary storage part at least has two openings, and temporary storage part is not located immediately in storage paper money case or safety cabinet, when client takes out paper money coin, existing automatic teller machine is from depositing the storage paper money case of buckets of cash or safety cabinet by channel transfer of withdrawing the money to cash dispensing port by paper money coin, then client takes out, when client stores paper money coin, existing automatic teller machine is put into from note input mouth by paper money coin, then by depositing channel transfer to temporary storage part, after pressing acknowledgement key, by deposit, temporary storage part determines that channel transfer is in storage paper money case or safety cabinet again.This temporary storage part can be found out and if only if that client plays the temporary effect of cash when carrying out automatic teller machine deposit operation from this process, after client leaves, paper money coin is not had in temporary storage part, and the paper money coin of all business mixes and all leaves in storage paper money case or safety cabinet, the paper money coin not possessing single business is kept in and insurance function.And the core distinctive points in the application is just: the opening on casing forms note input mouth when customer deposit and casing forms the cash holding tank that this is deposited, described opening forms cash dispensing port when client withdraws the money and casing formation bank clerk places this cash holding tank of withdrawing the money, can find out thus, after client leaves, paper money coin is all leave in cash holding tank, have in each cash holding tank and only have the paper money coin of the amount of money corresponding to these the deposit or the withdrawal, can not mix each other, what provide single business paper money coin deposits function, and owing to being provided with the multiple safety gates being controlled each opening difference switch by transmission component on temporary proof box, therefore every the deposit or the withdrawal the paper money coin be positioned in cash holding tank all can obtain safe guarantee.
And, on the basis of such scheme, mating information pushing module sends and deposits and withdraws information to bank and client, the following two kinds effect is reached: during deposit, client can leave voluntarily after having operated and take out this paper money coin by info push module notifying bank staff and take deposits when specifically taking deposits, paper money coin leaves in cash holding tank, and by very safe under the control of the safety gate of temporary proof box; When withdrawing the money, bank clerk also can leave after having operated and notify that client carrys out the business of withdrawing the money by info push module, and paper money coin leaves in cash holding tank, and by very safe under the control of the safety gate of temporary proof box; Finally so really achieve client and do not need to carry out with bank clerk aspectantly to handle formality of depositing and withdrawing, depositor can avoid the peak hour and handle the deposit or the withdrawal, really need not wait in line, and has saved the time.
2, intelligent automatic teller machine of the present invention, transmission component and lockset is provided with in temporary proof box, the safety gate controlled by transmission component is provided with above cash holding tank, transmission component drives safety gate to open or close, by lockset locking when safety gate opens or closes, achieve each cash holding tank and all there is the safety function controlled by transmission component and lockset, thus ensure the fund security in cash holding tank; The use of lockset, further enhancing its explosion-proof effect.
3, intelligent automatic teller machine of the present invention, at least one is respectively provided with respectively for monitoring the monitoring camera of described interactive terminal facility and temporary proof box operating process above intelligent automatic teller machine front console upper and rear end part, such mode, the omnidistance operating process monitoring interactive terminal facility and temporary proof box of energy, effectively can prevent from lawless person or bank internal staff from being stolen the accidents such as depositor's deposit by various mode to occur, reduce the risk causing heavy losses to bank and client.
4, intelligent automatic teller machine of the present invention, fixes through wall-penetrating type, and specifically: the front console part of intelligent automatic teller machine exposes body of wall, the rear end of intelligent automatic teller machine, through body of wall, makes whole intelligent teller's function obtain the protection of body of wall.
5, intelligent automatic teller machine of the present invention, transmission component as calculated machine controls to open or close safety gate, thus controls opening or closing of cash holding tank, and security is higher.
6, the deposit method of intelligent automatic teller machine of the present invention, adopt customer deposit request-computing machine to control to open cash holding tank-client paper money coin is controlled to close cash holding tank-transmissions credit request business datum to bank and client-client stored in cash holding tank-computing machine to leave-bank clerk obtains the authority-bank clerk handling this deposit business and handles this deposit business-transmission deposit verified information to the whole process of client by taking out paper money coin in cash holding tank, can leave voluntarily after client is operated, by info push module notice customer deposit situation after bank operations, thus really achieve client and do not need to carry out with bank clerk aspectantly to handle formality of depositing and withdrawing, depositor can avoid the peak hour and handle the deposit or the withdrawal, really need not wait in line, save the time.
7, the deposit method of intelligent automatic teller machine of the present invention, client and bank clerk to the operating process of interactive terminal facility, cash holding tank stored in taking-up paper money coin process, monitoring camera is all adopted to monitor, effectively can prevent from lawless person or bank internal staff from being stolen the accidents such as depositor's deposit by various mode to occur, reduce the risk causing heavy losses to bank and client.
8, the deposit method of intelligent automatic teller machine of the present invention, bank clerk obtains this deposit business by computing machine to handle authority, and the cash holding tank controlling this deposit paper money coin by computing machine is opened, the computer-controlled mode of so specific employing, further enhancing the security of cash-access.
9, the deposit method of intelligent automatic teller machine of the present invention, transmission component and lockset is provided with in temporary proof box, the safety gate controlled by transmission component is provided with above cash holding tank, transmission component drives safety gate to open or close, by lockset locking when safety gate opens or closes, achieve each cash holding tank and all there is the safety function controlled by transmission component and lockset, thus ensure the fund security in cash holding tank.
10, the deposit method of intelligent automatic teller machine of the present invention, between client closes stored in paper money coin to cash holding tank and the computing machine cash holding tank controlled on temporary proof box, also have the paper money coin value data step of the treated acquisition of computing machine through confirming, and the paper money coin value data Step Information of the provided treated acquisition of concrete computing machine through confirming is provided, such scheme, can be appraised and decided the temporary paper money coin amount of money by intelligent automatic teller machine, thus effectively ensure that the paper money coin amount of money be temporarily stored in cash holding tank is correct and authentic and valid.
11, the method of withdrawing the money of intelligent automatic teller machine of the present invention, adopt client's reservation withdraw the money-bank receives withdrawal request-bank clerk and obtains the authority-bank clerk handling this business of withdrawing the money and withdraw the money successful information to the whole process of going before client-client to withdraw the money by handling this business of withdrawing the money-transmission stored in paper money coin in cash holding tank, staff handles every withdrawal request to make client before withdrawing the money, not need bank queuing to wait for, really achieve client not need to carry out with bank clerk aspectantly to handle formality of depositing and withdrawing, depositor can avoid the peak hour and handle the deposit or the withdrawal, really need not wait in line, save the time, multiple appointment mode of withdrawing the money is convenient, quick.
12, the method of withdrawing the money of intelligent automatic teller machine of the present invention, adopt more specifically on intelligent automatic teller machine and carry out preengaging the mode of withdrawing the money, namely whole process comprise client's withdrawal request-computing machine and withdrawal request business datum sent to bank and client-client to receive after withdrawal request accepts information to leave-bank clerk obtains the authority-bank clerk handling this business of withdrawing the money and withdraws the money successful information to the whole process of going before client-client to withdraw the money by handling this business of withdrawing the money-transmission stored in paper money coin in cash holding tank, can leave voluntarily after client is operated, notify that client withdraws the money situation by info push module after bank operations, thus really achieve client and do not need to carry out with bank clerk aspectantly to handle formality of depositing and withdrawing, depositor can avoid the peak hour and handle the deposit or the withdrawal, really need not wait in line, save the time.
13, the method for withdrawing the money of intelligent automatic teller machine of the present invention, the bank clerk handling this deposit business obtains this deposit business by computing machine to handle authority, and the cash holding tank controlling this deposit paper money coin by computing machine is opened, the computer-controlled mode of so specific employing, further enhancing the security of cash-access.
14, the method for withdrawing the money of intelligent automatic teller machine of the present invention, client and bank clerk to the operating process of interactive terminal facility, cash holding tank stored in taking-up paper money coin process, monitoring camera is all adopted to monitor, effectively can prevent from lawless person or bank internal staff from being stolen the accidents such as depositor's deposit by various mode to occur, reduce the risk causing heavy losses to bank and client.
15, the method for withdrawing the money of intelligent automatic teller machine of the present invention, transmission component and lockset is provided with in temporary proof box, the safety gate controlled by transmission component is provided with above cash holding tank, transmission component drives safety gate to open or close, by lockset locking when safety gate opens or closes, achieve each cash holding tank and all there is the safety function controlled by transmission component and lockset, thus ensure the fund security in cash holding tank.
16, the method for withdrawing the money of intelligent automatic teller machine of the present invention, between bank clerk is closed stored in paper money coin to cash holding tank and the cash holding tank controlled on temporary proof box, also have the paper money coin value data step of the treated acquisition of computing machine through confirming, and the paper money coin value data Step Information of the provided treated acquisition of concrete computing machine through confirming is provided, such scheme, can be appraised and decided the temporary paper money coin amount of money by intelligent automatic teller machine, thus effectively ensure that the paper money coin amount of money be temporarily stored in cash holding tank is correct and authentic and valid.
Accompanying drawing explanation
Below in conjunction with specification drawings and specific embodiments, the present invention is described in further detail, wherein:
Fig. 1 is the structural representation of intelligent automatic teller machine;
Fig. 2 is the perspective view of intelligent automatic teller machine;
Fig. 3 is the structural representation of temporary proof box;
Fig. 4 is the perspective view of temporary proof box.
Mark in figure:
In Fig. 1,1 is interactive terminal facility part, and 2 is temporary proof box parts, and 3 is main control unit parts.
In Fig. 2,1-1 is that a teller holds monitoring camera; 1-2 is that No. two tellers hold monitoring camera; 1-3 is strip printer; 1-4 is bank card card reader; 1-5 is card reader of ID card; 1-6 is finger-print recognising instrument; 1-7 is touch display; 1-8 is printer paper outlet; 1-9 is Quick Response Code scanner; 1-10 is code keypad.2-3 is cash holding tank No. three safety gates; 3-1 is main control system.
In Fig. 3,2-1 is cash holding tank safety gate; 2-2 is cash holding tank No. two safety gates; 2-4 is cash holding tank No. four safety gates; 2-5 is the control circuit board of cash holding tank No. four safety gates; 2-6 is electromagnetic lock; 2-7 is the transmission component of a cash holding tank safety gate; 2-12 is door.
In Fig. 4,2-8 is safe body; 2-9 is guide rail; 2-10 is sliding sleeve; 2-11 is cash holding tank.
Embodiment
embodiment 1
As a better embodiment of the present invention, the invention discloses a kind of intelligent automatic teller machine, it comprises:
Interactive terminal facility 1: comprise service selection parts, authentication parts and cryptogram validation component; This interactive terminal facility 1 is the fexible unit of existing ATM automatic teller machine, and namely service selection parts are touch display 1-7.Authentication parts are one or more the combinations in bank card card reader 1-4, card reader of ID card 1-5 and finger-print recognising instrument 1-6.Cryptogram validation component refers to code keypad 1-10.
Temporary proof box 2: comprise at least one casing be arranged in temporary proof box, casing is provided with opening, described opening forms note input mouth when customer deposit and casing forms the cash holding tank that this is deposited, described opening forms cash dispensing port when client withdraws the money and casing formation bank clerk places this cash holding tank of withdrawing the money, and temporary proof box is provided with the multiple safety gates being controlled each opening difference switch by transmission component;
Main control unit 3: comprise computing machine and gateway device, service selection parts, authentication parts, cryptogram validation component and transmission component all carry out communication by gateway device and computing machine and are connected, specifically: computing machine controls interactive terminal facility 1 to carry out comprising being not limited to service selection with client, the interactive operation of authentication and password confirming, computing machine receives service selection instruction, after the authentication information determined and password confirming information, control the switch motion instruction of described transmission component, after the switch motion instruction of transmission component completes, the business datum of interactive terminal facility collection is sent to bank and client by info push module.Info push module can be the SMS transmission module that computing machine is arranged, or the short message sending machine of peripheral hardware, is controlled by computing machine.In the program, bank card card reader 1-4 is suction-type bank card card reader 1-4; Card reader of ID card 1-5 is contactless Certification of Second Generation card reader.
In this programme, info push module belongs to the ordinary skill in the art.Under the prerequisite not affecting security, also can inform that client deposits and withdraws the mode alternative information pushing module of information with other.
The program, no matter be deposit or withdraw the money, all can leave voluntarily after client operates, complete by the customer deposit of info push module notice or withdraw the money after bank operations, thus really achieve client and do not need to carry out with bank clerk aspectantly to handle formality of depositing and withdrawing, depositor can avoid the peak hour and handle the deposit or the withdrawal, really need not wait in line, and has saved the time.
embodiment 2
On the basis of above-described embodiment, the another better embodiment of the present invention, is respectively provided with at least one respectively for monitoring the monitoring camera of described interactive terminal facility and temporary proof box operating process above intelligent automatic teller machine front console upper and rear end part.In this example, directly about front console upper, respectively establish a camera, for monitoring the operating process of client to interactive terminal facility and cash holding tank, above rear end part, a camera is also respectively established in left and right, for monitoring the operating process of bank clerk to temporary proof box, achieve the entirety to intelligent automatic teller machine, complete monitoring, monitor data is preserved as evidence.Effectively can prevent from lawless person or bank internal staff from being stolen the accidents such as depositor's deposit by various mode to occur, reduce the risk causing heavy losses to bank and client.
Simultaneously, in this programme, also include lockset, lockset carries out communication by gateway device and computing machine and is connected, and by the switch motion instruction of computer controlled lockmaking tool, lockset is electromagnetic lock 2-6, electromagnetic lock 2-6 is connected with computing machine by control circuit board, safety gate is provided with sliding sleeve 2-10, the guide rail 2-9 be arranged on temporary proof box 2 is combined with sliding sleeve 2-10, transmission component is connected with sliding sleeve 2-10 and drives the safety gate be connected with sliding sleeve 2-10 to move on guide rail 2-9, by described electromagnetic lock 2-6 locking when safety gate opens or closes.This lockset also can adopt other forms of lockset.Described transmission component comprises motor and belt, and computing machine controls described electric machine rotation, and motor passes through belt drive safety gate at moving on rails.
Also comprise power-supply unit, power-supply unit is electrically connected with described computing machine, temporary proof box and interactive terminal facility respectively.
embodiment 3
As the preferred forms of intelligent automatic teller machine, on the basis of embodiment 2, this interactive terminal facility 1 of intelligent automatic teller machine also comprises: strip printer 1-3, bill printer and Quick Response Code scanner 1-9.Touch display 1-7, bank card card reader 1-4, card reader of ID card 1-5, finger-print recognising instrument 1-6, Quick Response Code scanner 1-9 and code keypad 1-10 are all connected with computing machine and data communication.Intelligence automatic teller machine wall-penetrating type is fixed; be laid in the cash region of Bank Hall, specifically: the front console part of intelligent automatic teller machine exposes body of wall, for interactive operation; the rear end of intelligence automatic teller machine, through body of wall, makes whole intelligent teller's function obtain the protection of body of wall.
embodiment 4
The invention discloses a kind of deposit method of intelligent automatic teller machine, its rough flow comprises: and customer deposit request-computing machine controls to open cash holding tank 2-11-client and paper money coin is controlled to close cash holding tank 2-11-stored in cash holding tank 2-11-computing machine sends credit request business datum to bank and client-client and leave-and bank clerk obtains the authority-bank clerk handling this deposit business and handles this deposit business-transmissions deposit verified information to client by taking out paper money coin in cash holding tank 2-11.
More detailed being described below of above-mentioned flow process:
Interactive terminal facility 1 carries out deposit business and selects operation, authentication operation and Password Input operation, the deposit business gathered is selected operation by interactive terminal facility 1, the instruction of authentication operation and Password Input operation inputs to computing machine, after machine confirms the legitimacy of authentication operational order and password input instruction as calculated, the cash holding tank 2-11 controlled on temporary proof box 2 opens, client stored in paper money coin to cash holding tank 2-11, the cash holding tank 2-11 that computing machine controls on temporary proof box 2 closes, now, the credit request business datum that interactive terminal facility 1 gathers by info push module that is in computing machine or peripheral hardware is sent to bank and client, client acknowledges receipt of after credit request accepts information and leaves, after bank receives credit request service data information, the bank clerk handling this deposit business obtains this deposit business and handles authority, and the cash holding tank 2-11 controlling this deposit paper money coin opens, take out paper money coin and take deposits, deposit verified information is sent to client by info push module that is in computing machine or peripheral hardware.
Such way of deposit, can leave voluntarily after client is operated, by info push module notice customer deposit situation after bank operations, thus really achieve client and do not need to carry out with bank clerk aspectantly to handle formality of depositing and withdrawing, depositor can avoid the peak hour and handle the deposit or the withdrawal, really need not wait in line, save the time.
embodiment 5
On the basis of embodiment 4, the preferred forms of deposit method is: the described bank clerk handling this deposit business obtains this deposit business by computing machine to handle authority, and the cash holding tank controlling this deposit paper money coin by computing machine is opened.
Certainly, may not be and obtain this deposit business by computing machine and handle authority, such as directly arranged this deposit business of process by bank, and the cash holding tank of this deposit paper money coin is opened by password and key, now, the concrete structure that cash holding tank opens or closes is: the temporary proof box rear end of intelligent automatic teller machine has door, and cash holding tank is placed in temporary proof box, cash holding tank in temporary proof box pulled out or puts in, namely realizing opening or closing of cash holding tank.
Deposit verified information sends to client specifically to refer to by info push module that is in computing machine or peripheral hardware: as deposit business does not have query, then pass through info push module that is in computing machine or peripheral hardware and send the completed information of business to client, as deposit business has a question, paper money coin is put into cash holding tank 2-11 by the bank clerk then handling this deposit business, and by computing machine or the info push module of peripheral hardware send please fetch paper money coin information to client.Client and bank clerk to the operating process of interactive terminal facility 1, cash holding tank 2-11 stored in taking-up paper money coin process, all adopt monitoring camera to monitor, monitor data is preserved as evidence.Computing machine controls cash holding tank 2-11 and opens or closes specifically: cash holding tank 2-11 is provided with safety gate, safety gate is provided with sliding sleeve 2-10, the guide rail 2-9 be arranged on temporary proof box 2 is combined with sliding sleeve 2-10, transmission component is connected with described sliding sleeve 2-10, under control of the computer, transmission component drives the safety gate be connected with sliding sleeve 2-10 to move on guide rail 2-9, controls cash holding tank 2-11 and opens or closes, now, by lockset locking safety gate.The cash holding tank 2-11 controlling temporary proof box 2 is not equipped with paper money coin after machine confirms the legitimacy of authentication operational order and password input instruction as calculated opens.That is, when the cash holding tank 2-11 on temporary proof box 2 is multiple, such as, when being 4, all banknote is housed if any 3, the cash holding tank 2-11 so now just the 4th not being incorporated with banknote opens.
Between client closes stored in paper money coin to cash holding tank and the computing machine cash holding tank controlled on temporary proof box, also have the paper money coin value data step of the treated acquisition of computing machine through confirming.The paper money coin value data of the treated acquisition of computing machine through confirming specifically refers to: on interactive terminal facility 1 cash of client's input stored in value data stored in in computing machine, as plan deposit data; After during paper money coin is stored in cash holding tank 2-11, the currency checking module arranged in temporary proof box 2 to stored in paper money coin carry out truth identification and number is determined, and by reality stored in paper money coin value data and true and false information be sent to computing machine, as real storage data; Plan deposit data and real storage data are compared by computing machine, and when real storage data are consistent with plan deposit data, computing machine obtains the paper money coin value data through confirming.Currency checking module can adopt having identification authenticity of banknotes and checking the currency checking module of number of banknotes of the various main flows current ATM automatic teller machine accessing paper money mouth place.
embodiment 6
The invention discloses a kind of method of withdrawing the money of intelligent automatic teller machine, its rough flow comprises: and client's reservation withdraws the money-and bank receives withdrawal request-bank clerk and obtains authority-bank clerk of handling this business of withdrawing the money and go to withdraw the money to before client-client by handling this pen business of withdrawing the money-transmission successful information of withdrawing the money stored in paper money coin in cash holding tank.More detailed being described below of above-mentioned flow process:
Client withdraws the money to bank's reservation, after bank receives withdrawal request, the bank clerk handling this business of withdrawing the money obtains this pen and to withdraw the money business handling authority, and the cash holding tank controlled on temporary proof box is opened, bank clerk is stored in paper money coin to cash holding tank, and the cash holding tank controlled on temporary proof box is closed, now, info push module that is in computing machine or peripheral hardware sends withdrawal information to client, notifies that client withdraws the money; After client receives withdrawal information, interactive terminal facility carries out withdraw the money service selection operation, authentication operation and Password Input operation, the instruction that withdraw the money service selection operation, authentication operation and the Password Input that gather operate is inputed to computing machine by interactive terminal facility, machine controls to open stored in the cash holding tank of paper money coin after confirming the legitimacy of authentication operational order and password input instruction as calculated, obtains paper money coin of withdrawing the money.The mode of described reservation comprises and being not limited to: preengage on intelligent automatic teller machine, communication terminal or bank outlets' cabinet face.
embodiment 7
As a better embodiment of the method for withdrawing the money of intelligent automatic teller machine, described client preengages to bank the specifically client that withdraws the money and preengages the withdrawal request determining the amount of money to bank.Cash holding tank opens or closes specifically: the temporary proof box rear end of intelligent automatic teller machine has door, and cash holding tank is placed in temporary proof box, is pulled out by the cash holding tank in temporary proof box or puts in, namely realizing opening or closing of cash holding tank.
embodiment 8
As the another better embodiment of the method for withdrawing the money of intelligent automatic teller machine, it adopts on intelligent automatic teller machine, preengage the mode of withdrawing the money, and its rough flow comprises: and withdrawal request business datum sends to bank and client-client to receive after withdrawal request accepts information to leave by client's withdrawal request-computing machine-and bank clerk obtains authority-bank clerk of handling this business of withdrawing the money and goes to withdraw the money to before client-client by handling this pen business of withdrawing the money-transmission successful information of withdrawing the money stored in paper money coin in cash holding tank.More detailed being described below of above-mentioned flow process:
The mode that intelligent automatic teller machine is preengage is: interactive terminal facility carries out service selection operation of withdrawing the money, authentication operation and Password Input operation, the service selection operation of withdrawing the money that interactive terminal facility will gather, the instruction of authentication operation and Password Input operation inputs to computing machine, after machine confirms the legitimacy of authentication operational order and password input instruction as calculated, by in computing machine or the info push module of peripheral hardware the withdrawal request business datum of interactive terminal facility collection is sent to bank and client, client leaves intelligent automatic teller machine after acknowledging receipt of the information that withdrawal request accepted, described withdrawal request business datum refers to the data of withdrawing the money determining the amount of money.
After bank receives withdrawal request, the bank clerk handling this business of withdrawing the money obtains this pen and to withdraw the money business handling authority, and the cash holding tank controlled on temporary proof box is opened, bank clerk stored in paper money coin to cash holding tank, the cash holding tank controlled on temporary proof box is closed, now, info push module that is in computing machine or peripheral hardware sends withdrawal information to client, notifies that client withdraws the money; After client receives withdrawal information, interactive terminal facility carries out withdraw the money service selection operation, authentication operation and Password Input operation, the instruction that withdraw the money service selection operation, authentication operation and the Password Input that gather operate is inputed to computing machine by interactive terminal facility, machine controls to open stored in the cash holding tank of paper money coin after confirming the legitimacy of authentication operational order and password input instruction as calculated, obtains paper money coin of withdrawing the money.
Mode of withdrawing the money like this, can leave voluntarily after client is operated, notify that client withdraws the money situation by info push module after bank operations, thus really achieve client and do not need to carry out with bank clerk aspectantly to handle formality of depositing and withdrawing, depositor can avoid the peak hour and handle the deposit or the withdrawal, really need not wait in line, save the time
embodiment 9
On the basis of embodiment 8, the preferred forms of method of withdrawing the money is: client and bank clerk to the operating process of interactive terminal facility, cash holding tank stored in taking-up paper money coin process, all adopt monitoring camera to monitor.The described bank clerk handling this business of withdrawing the money obtains this pen by computing machine to withdraw the money business handling authority, and be that the cash holding tank controlled on temporary proof box by computing machine is opened.Computing machine controls cash holding tank and opens or closes specifically: cash holding tank is provided with safety gate, safety gate is provided with sliding sleeve, the guide rail be arranged on temporary proof box is combined with sliding sleeve, transmission component is connected with described sliding sleeve, under control of the computer, transmission component drives the safety gate be connected with sliding sleeve at moving on rails, controls cash holding tank and opens or closes, now, by lockset locking safety gate.Between described bank clerk is closed stored in paper money coin to cash holding tank and the cash holding tank controlled on temporary proof box, also have the paper money coin value data step of the treated acquisition of computing machine through confirming.The paper money coin value data of the treated acquisition of computing machine through confirming specifically refers to: after bank receives withdrawal request service data information, the bank clerk handling this business of withdrawing the money obtains this pen by computing machine and to withdraw the money business handling authority, and the plan obtaining this business of withdrawing the money by computing machine is fetched data, bank clerk by paper money coin stored in after in cash holding tank, the currency checking module arranged in temporary proof box to stored in paper money coin carry out truth identification and number is determined, and by reality stored in paper money coin value data and true and false information be sent to computing machine, fetch data as real; Plan is fetched data by computing machine and real fetching data is compared, and when fetching data consistent when fetching data in fact with plan, computing machine obtains the paper money coin value data through confirming.
Claims (10)
1. an intelligent automatic teller machine, is characterized in that comprising:
Interactive terminal facility (1): comprise service selection parts, authentication parts and cryptogram validation component;
Temporary proof box (2): comprise at least one casing be arranged in temporary proof box, casing is provided with opening, described opening forms note input mouth when customer deposit and casing forms the cash holding tank that this is deposited, described opening forms cash dispensing port when client withdraws the money and casing formation bank clerk places this cash holding tank of withdrawing the money, and temporary proof box is provided with the multiple safety gates being controlled each opening difference switch by transmission component;
Main control unit (3): comprise computing machine and gateway device, described service selection parts, authentication parts, cryptogram validation component and transmission component all carry out communication by gateway device and computing machine and are connected.
2. the intelligent automatic teller machine of one according to claim 1, is characterized in that: above intelligent automatic teller machine front console upper and rear end part, be respectively provided with at least one respectively for monitoring the monitoring camera of described interactive terminal facility (1) and temporary proof box (2) operating process.
3. the intelligent automatic teller machine of one according to claim 1 and 2, is characterized in that: also include lockset, and lockset carries out communication by gateway device and computing machine and is connected, and by the switch motion instruction of computer controlled lockmaking tool.
4. the intelligent automatic teller machine of one according to claim 3, it is characterized in that: described lockset is electromagnetic lock (2-6), electromagnetic lock (2-6) is connected with computing machine by control circuit board (2-5), safety gate is provided with sliding sleeve (2-10), the guide rail (2-9) be arranged on temporary proof box (2) is combined with sliding sleeve (2-10), transmission component is connected with described sliding sleeve (2-10) and drives the safety gate be connected with sliding sleeve (2-10) above to move, by described electromagnetic lock (2-6) locking when safety gate opens or closes at guide rail (2-9).
5. the intelligent automatic teller machine of one according to claim 1, is characterized in that: intelligent automatic teller machine wall-penetrating type is fixed, and specifically: the front console part of intelligent automatic teller machine exposes body of wall, the rear end of intelligent automatic teller machine is through body of wall.
6. the intelligent automatic teller machine of one according to claim 1 and 2, it is characterized in that: described described service selection parts, authentication parts, cryptogram validation component and transmission component all carry out by gateway device and computing machine the concrete mode that communication is connected: computing machine controls described interactive terminal facility and client carries out comprising being not limited to service selection, the interactive operation of authentication and password confirming, computing machine receives service selection instruction, after the authentication information determined and password confirming information, control the switch motion instruction of described transmission component, after the switch motion instruction of transmission component completes, by in computing machine or the info push module of peripheral hardware the business datum of interactive terminal facility collection is sent to bank and client.
7. the intelligent automatic teller machine of one according to claim 6, is characterized in that: described service selection parts are touch display (1-7); Described authentication parts are one or more the combinations in bank card card reader (1-4), card reader of ID card (1-5) and finger-print recognising instrument (1-6).
8. the intelligent automatic teller machine of one according to claim 7, is characterized in that: described cryptogram validation component refers to code keypad (1-10).
9. the intelligent automatic teller machine of one according to claim 8, is characterized in that: interactive terminal facility (1) also comprises: strip printer (1-3), bill printer and Quick Response Code scanner (1-9).
10. the intelligent automatic teller machine of one according to claim 9, is characterized in that: described touch display (1-7), bank card card reader (1-4), card reader of ID card (1-5), finger-print recognising instrument (1-6), Quick Response Code scanner (1-9) and code keypad (1-10) are all connected with computing machine and data communication.
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| CN201510436443.XA CN105046841A (en) | 2015-07-23 | 2015-07-23 | Intelligent teller machine |
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Effective date of registration: 20180626 Address after: 610000 No. 1, unit 1, 1 north of Tianfu Road, Chengdu high tech Zone, Sichuan, 1305 Applicant after: Chengdu Santai Intelligent Technology Co Ltd Address before: 610091 No. 42 Shu West Road, Jinniu District hi tech Industrial Park, Sichuan, Chengdu Applicant before: CHENGDU SANTAI ELECTRONICS CO., LTD. |
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Application publication date: 20151111 |