CN105354943A - Cash processing system - Google Patents

Cash processing system Download PDF

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Publication number
CN105354943A
CN105354943A CN201510559823.2A CN201510559823A CN105354943A CN 105354943 A CN105354943 A CN 105354943A CN 201510559823 A CN201510559823 A CN 201510559823A CN 105354943 A CN105354943 A CN 105354943A
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China
Prior art keywords
cash
user
information
atm
money
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CN201510559823.2A
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Chinese (zh)
Inventor
陈崇军
宋占瑞
徐新华
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Kunshan Guao Electronic Machinery Co Ltd
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Kunshan Guao Electronic Machinery Co Ltd
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Priority to CN201510559823.2A priority Critical patent/CN105354943A/en
Publication of CN105354943A publication Critical patent/CN105354943A/en
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Abstract

The invention discloses a cash processing system comprising an ATM and a central computer; the ATM is provided with an operating part, a cash processing mechanism part, a control part and a first storage part; and the central computer is connected with the ATM through a communication line, and is provided with a second storage part and a data processing part. The operating part is provided with a camera device and a fingerprint identification device, and a processing module arranged in the control part, the camera device acquires face information of a user, the fingerprint identification device acquires the fingerprint of the user, and the acquired face information, the acquired fingerprint information and input paper money information are stored into the processing module. According to the invention, by employing the camera device and the fingerprint identification device, the face information, of the user, acquired by the camera device, the fingerprint information acquired by the fingerprint identification device and the information, of the paper money input by the user, such as crown numbers are all stored into the processing module; if counterfeit money is found, the user can be found out through the face information and the fingerprint information timely.

Description

A kind of cash processing system
Technical field
The present invention relates to the technical field of a kind of bank treatment facility, particularly relate to a kind of cash processing system.
Background technology
In the cash processing system that the access carrying out cash or many cash automated trading devices (hereinafter referred to as ATM (AutomatedTellersMachine)) of money transaction of to transfer accounts etc. and the central computer (hereinafter referred to singly as center) of the accounts information gathering management user are connected via communication line, the Transaction Information of being concluded the business by ATM is sent to center, carrys out the accounts information of more new management user.
The patent No. is: 201410018467.9 disclose a kind of cash processing system and method, after sending Transaction Information from ATM to center, concluding the business in invalid situation because central side breaks down, ATM reclaims the cash of having deposited, and the amount of money of the cash of recovery and accounts information are established the cash reimbursement list associated by making, are saved to the 1st storage part.When trouble shooting, the cash reimbursement list be kept in the 1st storage part sends to center by ATM.The information of the cash reimbursement list sent from ATM is stored to the 2nd storage part by center.When the user with identical accounts information concludes the business with ATM, centre retrieves the 2nd storage part, sends the ATM that the information comprising the cash reimbursement list of identical accounts information is just operating to user.ATM shows the return amount of money based on the information of the cash reimbursement list received on operating portion, carries out the return process of returning the amount of money to user.But when if counterfeit money situation occurs when receiving bank note this cash processing system, cannot in time and the problem of user's simultaneous.
Summary of the invention
The object of the present invention is to provide a kind of cash processing system, by the bank note information of facial information, finger print information and input that collects stored in in processing module, coincide with this information by bank note and user.
To achieve these goals, the technical scheme that the present invention takes is:
A kind of cash processing system, comprising: ATM and central computer, this ATM has: operating portion, is operated by user, has input block and display unit, cash handling apparatus structure portion, at least carry out cash deposit and by cash to inner or be recycled to inside, control part, controls described operating portion and described cash handling apparatus structure portion, carries out the control making the Transaction Information comprising the amount of money of deposit and the accounts information of user, and the 1st storage part, for the information of preserving, this central computer is connected with described ATM via communication line, has: the 2nd storage part, the accounts information of management user, and data processing division, the update process of the described accounts information of described 2nd storage part is carried out based on the described Transaction Information sent from described ATM, from described ATM to after described central computer sends described Transaction Information, in the invalid situation of transaction becoming cash in the fault owing to occurring at this center calculation pusher side, the described control part of described ATM controls described cash handling apparatus structure portion and is reclaimed by the cash of deposit, and make cash reimbursement list and be saved to described 1st storage part, this cash reimbursement list is that the amount of money of the cash of recovery and the accounts information of user are established the cash reimbursement list associated, when trouble shooting afterwards, the described cash reimbursement list be kept in described 1st storage part sends to described central computer by described control part, in described central computer, the information of the described cash reimbursement list sent from described ATM is associated with described accounts information and is stored in described 2nd storage part by described data processing division, the described control part of described ATM shows on the described display unit of described operating portion returns the amount of money, and the user to described accounts information carries out the return process of the described return amount of money, it is characterized in that, described operating portion has camera head and fingerprint identification device, and be positioned at the processing module of described control part inside, described camera head gathers user's facial information, described fingerprint identification device gathers user's fingerprint, and by the bank note information of facial information, finger print information and input that collects stored in described processing module.
Above-mentioned a kind of cash processing system, wherein, described camera head is installed on the upper end of described ATM, described camera head is just to the face of user, meanwhile, described camera head has image capture module, and described image capture module is connected with described processing module signal.
Above-mentioned a kind of cash processing system, wherein, described fingerprint identification device is installed on described operating portion place, user need first by inputting password after fingerprint identification device described in finger presses, simultaneously, described fingerprint identification device has finger print acquisition module, and described finger print acquisition module is connected with described processing module signal.
Above-mentioned a kind of cash processing system, wherein, described cash handling apparatus structure portion also comprises flatten mechanism, and described flatten mechanism is two flat boards, the dull and stereotyped pro and con flattening bank note respectively described in two.
Above-mentioned a kind of cash processing system, wherein, described 2nd storage part stores accordingly by keeping the accounts information comprised in accounts information file and the described cash reimbursement list of the accounts information of user to set up, and stores the cash reimbursement database comprising the Management flag whether the return amount of money and expression complete to the return process of user.
Above-mentioned a kind of cash processing system, wherein, described 2nd storage part stores the accounts information file of the accounts information keeping user, and the accounts information comprised in described cash reimbursement list is set up corresponding with the described accounts information of described accounts information file, store the state and the return amount of money that need cash reimbursement.
Above-mentioned a kind of cash processing system, wherein, as the returning method of cash, the described control part of described ATM shows the picture comprising the 1st project and the 2nd project on described display unit, utilize the operation of described input block for user and select any one project in described 1st project and described 2nd project, 1st project returns the amount of money described in the fund account to user, and the 2nd project is return cash from described ATM.
Above-mentioned a kind of cash processing system, wherein, when the operation by described input block have selected the 1st project, the described control part of described ATM sends will return the information of the amount of money to the described fund account of described user to described central computer; Described central computer carries out deposit process to the account of user to the described return amount of money, upgrades described accounts information, and described Management flag is changed to the state of returning and having processed.
Above-mentioned a kind of cash processing system, wherein, when the operation by described input block have selected the 2nd project, the described control part of described ATM controls described cash handling apparatus structure portion and will return the cash payment of the amount of money, and returns the notice processed send meaning to described central computer; Described Management flag is changed to the state of returning and having processed by described central computer.
The present invention is owing to have employed above-mentioned technology, and the good effect making it compared with prior art to have is:
(1) by the use of camera head and fingerprint identification device, the finger print information that user's facial information that can simultaneously be collected by camera head, fingerprint identification device gather and the bank note information that user drops into, if crown word number etc. is in the lump stored in in processing module, if when there is counterfeit money situation, user can be corresponded to by facial information and finger print information in time.
(2) by the use of flatten mechanism, effectively first the bank note entering cash handling apparatus structure portion can be flattened, avoid bank note to produce the phenomenons such as knuckle.
Accompanying drawing explanation
Fig. 1 is the figure of the formation representing cash processing system.
Fig. 2 is the figure representing the configuration example need returned cash list and need return cash DB.
Fig. 3 is the figure of the example representing the display frame of concluding the business when being false.
Fig. 4 A is the process flow diagram representing the process of concluding the business when being false.
Fig. 4 B is the process flow diagram representing the process of concluding the business when being false.
Fig. 5 is the figure representing that in cash processing system, paper currency detection and bank note flatten.
Embodiment
Below in conjunction with the drawings and specific embodiments, the invention will be further described, but not as limiting to the invention.
Implement one:
Fig. 1 represents the formation of cash processing system.The cash processing system used in financial institution is configured to, many ATM1 via communication line be connected to management user accounts information central computer (being called center to place an order) 2 on (diagram illustrate only 1 ATM).
ATM1 automatically performs the deposit or the cash automated trading device of money transaction waited of withdrawing the money that user requires, has the Documents Department 18 of operating portion 13, mechanism for card portion strip mechanism part 14, bankbook mechanism part 15, cash deposit machine portion 16, coin deposit machine portion 17, preservation Transaction Information etc., carries out and the line connection 19 of the exchange of the information at center and the control part 12 controlling these each portions and form via communication line.
In said structure, the input part that operating portion 13 has the information that user's input needs when concluding the business and the display part shown for the guide screen of concluding the business.Generally speaking, operating portion 13 uses the input display of touch panel formula input part and display part formed integratedly.In mechanism for card portion strip mechanism part 14, the transactional cards that mechanism for card portion has a user is to the insertion of device and discharging operation, read functions etc. to the magnetic stripe of transactional cards or the reading write activity of information of IC chip, the image of embossing (embossed) part of transactional cards.Transaction content is printed onto in strip by Printing Department by strip mechanism part, strip is discharged.Bankbook mechanism part 15 has the insertion/discharging operation of the bankbook of user, the printing functionality etc. to the reading write activity of the information of the magnetic stripe be pasted onto on bankbook, bankbook.Cash deposit machine portion 16 and coin deposit machine portion 17 have by the discriminating of the spot assets of currency or coin and the function of withdrawing the money, cash and conveying, by cash to incorporating section or the function being recycled to recoverer.
Fig. 5 is the figure representing that in cash processing system, paper currency detection and bank note flatten, operating portion 13 has camera head 131 and fingerprint identification device 132, and be positioned at the processing module 134 of control part 12 inside, the facial information of user of camera head 131 for gathering income and inserting notes here, fingerprint identification device 132 is for gathering the finger print information of user, and the facial information that camera head 131 will collect, the bank note information that fingerprint identification device 132 drops into for the finger print information that gathers and user, if crown word number etc. is in the lump stored in in processing module 134.
Concrete, camera head 131 is installed on the upper end of ATM1, camera head 131 just to the face of user, with this when user inserts notes here or before, camera head 131 starts the facial information gathering user.Camera head 131 has image capture module, and image capture module is connected with processing module 134 signal, and the facial information collected by camera head 131 with this is stored in in processing module 134.
Fingerprint identification device 132 is installed on operating portion 13 place, after user inserts bank card, needs first to realize subsequent operation by inputting password after finger presses fingerprint identification device 132 and inserting notes here.Fingerprint identification device 132 has finger print acquisition module, and finger print acquisition module 102 is connected with processing module 134 signal, and the finger print information gathered by fingerprint identification device 132 with this is stored in in processing module 134.By the use of camera head 131 and fingerprint identification device 132, the finger print information that user's facial information that can simultaneously be collected by camera head 131, fingerprint identification device 132 gather and the bank note information that user drops into, if crown word number etc. is in the lump stored in in processing module 134, if when there is counterfeit money situation, user can be corresponded to by facial information and finger print information in time.
Cash handling apparatus structure portion, namely comprises flatten mechanism 133 at place of cash deposit machine portion 16, and flatten mechanism 133 is two dull and stereotyped, and two flat boards are respectively used to the pro and con flattening bank note, is convenient to ATM1 gulps down and get bank note with this.
DB Documents Department 18 preserves Transaction Information file 181 and need return cash list 182, and this Transaction Information file 181 stores the Transaction Information of user; This need return cash list 182, to be false and the situation Xia Xiang center be recovered to by cash in device is passed on during Transaction Information, placeholder record Transaction Information in the transaction of cash.Control part 12 has executive routine and carries out the processor (CPU) of the process of the Transaction Information of cash and the storer of preservation Transaction Information or memory storage etc.
Central computer 2 keeps the accounts information of user, to be upgraded by the balance amount information of account and manage according to transaction, is configured to have: line connection 22, is connected with ATM1 via communication line; Documents Department 23, preserves accounts information file 231 and need return cash DB232; Data processing division 24, carries out the data processing about various Transaction Information; Document control portion 25, carries out the control of the reading write of Documents Department 23.Here, data processing division 24 is carried out information processing processor by executive routine is formed, and Documents Department 23 is made up of the memory storage that hard disk unit is such.
Accounts information file 231 according to the accounts information record of user about the information of the remaining sum etc. of transaction.Cash list 182 is returned in cash DB232 keeping information from the need that ATM1 sends need be returned.About its structure, describe later with reference to Fig. 2.
With reference to Fig. 2, the structure example need returned cash list 182 and need return cash DB232 is described.As shown in (A), need return cash list 182 by the invalid user of transaction account number 1821, there is the day of trade time 1822, the amount of money 1823 need be returned and make day time 1824 to form, during this generation day of trade, 1822 when representing the day be taken into by the cash that user deposits in ATM (when there occurs transaction invalid day); This need be returned the amount of money 1823 and represent the return amount of money to user; During this making day, 1824 represent and make this when need return the day of cash list.
As shown in (B), need return cash DB232 by the invalid user that concludes the business account number 2321, occur the day of trade time 2322, need return the amount of money 2323, make day time 2324 and Management flag 2325 form, during this generation day of trade 2322 represent transaction be false occur day time; This need be returned the amount of money 2323 and represent to the return amount of money of user; During this making day, the list of cash returned by 2324 need making account number; This Management flag 2325 represents whether the return to user's cash completes.Management flag 2325 represents with " 1 " in the completed situation of the return of cash, represents with " 0 " when not completing.
In addition, when exist multiple need return the account number of the user of cash, make the entry of multiple said structure.That is, whenever account number increases, just entry 1 is added each and every one.
Fig. 3 represents the example of the display frame of concluding the business when being false.
(A) be conclude the business be false time picture 30 shown on display part example.When there occurs transaction and being false, display means ATM can not be used and be meant the picture needed to pipe crewman inquiry.
(B) be the picture 31 next opportunity after transaction is false the user concluded the business with ATM shown.
Usually, user is when starting to conclude the business with ATM, inserted to mechanism for card portion 14 by the medium of transactional cards or bankbook etc., if input the password of user to the input part of operating portion 13 or select without block conclude the business corresponding with account number, then control part 12 starts transaction processing.
Now, whether the account number of retrieval user is logged in the account number in the need return cash DB232 at center 2, if the account number of correspondence, then picture 31 is shown on the display part of ATM1 by control part 12.User can select as select branch display project 312 ~ 314 in some.
If such as select the project of " on-the-spot return (312) " (cash reimbursement), then invalid cash of concluding the business (i.e. the cash (currency or coin) of temporary safe-keeping) is returned to user.In addition, if select the project of " fund account (313) ", then carry out the fund account process of the cash corresponding with return volume to user.In addition, also it is contemplated that the vague situation of user and the project of " reply (314) wishing window place " is set.
(C) be when have selected " reply (314) wishing window place " in picture 31 and when have selected " on-the-spot return (312) ", the example of the picture 32 shown when can not carry out the sending of the cash that should return in ATM1.
Then, with reference to Fig. 4 A ~ Fig. 4 B, process action when being false to the transaction caused because of central fault is described.
The display part of the operating portion 13 of ATM1 shows deposit or withdraw the money wait transaction select picture state under, user such as selects credit transaction, then selection card transaction or without card transaction, from input picture input password.Control part 12 is confirmed to be the correct password of user, starts credit transaction (S400).
If control part 12 shows the guide screen that cash drops on display part, then user is according to this guide screen, inserts notes here or the cash (S401) of coin to cash deposit machine portion 16 or coin deposit machine portion 17.(following, the situation in coin deposit machine portion 17 is omitted, and records for cash deposit machine portion 16).The number of the bank note put in cash deposit machine portion 16 counts by control part 12, calculates the Amount in Total (S403) of deposit.And, control part 12 shows the Amount in Total (S404) of deposit on display part, if user confirms the Amount in Total of display and confirms input (S405) from input part, then control part 12 carries out center transmission (S406).If the Amount in Total of deposit is confirmed by user, then control part 12 makes and dealing money (deposit Amount in Total) is established with the account number of user the Transaction Information file 181 associated, and Transaction Information file 181 is temporarily saved to Documents Department 18.Control part 12 is by sending to center 2 by the message of the Transaction Information file 181 preserved in include file portion via line connection 19 and communication line and carry out center transmission.
Suppose, after center sends, to there occurs fault (S51) at communication line or center 2 (hereinafter referred to as central side).From ATM1 in the communication of the message at center 2, by receiving the response message from center 2 within certain hour after ATM1 sends message, control part 12 is judged as having carried out normal communication and transaction processing.Under normal conditions, the accounts information of user upgrades by center 2, the response message that transaction is set up is sent to ATM1 within certain hour.If the control part of ATM1 12 receives the response message (in normal situation) that transaction is set up, the display frame meaning closing the transaction controls to be presented on display part by control part 12, then control card mechanism part 14 carries out the action of transactional cards being returned to user, and controls strip mechanism and be described the printing of book and the action of distribution.
On the other hand, due to the fault of side, center 2, the control part 12 of ATM1 when after the message comprising Transaction Information file 181 is sent to center 2, do not receive from center 2 response message within a certain period of time, be judged as that credit transaction is false (S407).In the case, the accounts information file 231 of this user at center 2 is not upgraded.Under control part 12 is judged as concluding the business invalid situation, controls cash deposit machine portion 16, the bank note that user will deposit is recycled to recoverer (S408).
And then cash list 182 returned by the need that control part 12 makes about transaction this transaction invalid, preserves (S409) to Documents Department 18.Further, control part 12 is display frame 30 on display part, terminates the transaction (S4010) of this user.In addition, when closing the transaction, the transactional cards be inserted in mechanism for card portion 14 is returned to user, the bankbook be inserted in bankbook mechanism part 15 is returned.
When closing the transaction, the fault at center 2 may also not recovered.Then, ATM1 receives the message sent from center 2, when control part 12 is judged as that the fault at center is recovered (S52), the need of keeping in Documents Department 18 are returned cash list 182 and are sent (S4011) to center 2 via line connection 19 by control part 12.In addition, when exist multiple need return cash list 182, the whole of them are sent to center 2.
If the data processing division 24 at center 2 receives the need sent from ATM1 and returns cash list 182 (S421), according to returning cash list 182, make the entry (Fig. 2 (B)) (S422) need returning cash DB232.That is, document control portion 25 need return cash DB232 and read, and the entry that cash list returned by the need of new production be added.
Then, process when using the ATM of identical financial institution to conclude the business to the invalid identical user of transaction is described (with reference to Fig. 4 B).In the case, as the feature of the present embodiment, carry out the process of being returned to this user by invalid cash of concluding the business in the past.
User is same with common transaction, the display part of the operating portion 13 of ATM1 shows deposit or withdraw the money wait transaction select picture state under, if selection card transaction or without card conclude the business, then control part 12 start transaction (S412).According to the guide screen be presented on the display part of operating portion 13, user inputs password (S413) from operating portion 13.The Transaction Information comprising the password being recorded in account number in the transactional cards of user and input sends (S414) to center 2 by control part 12.
Center 2 receives the Transaction Information sent from ATM1, if data processing division 24 confirms that the password of this user is correct, then retrieval need return cash DB232, check need return in cash DB232 whether logged in comprise receive the account number entry (S423).When the result of this inspection be need return in cash DB232 do not have to log in comprise the entry of the account number, data processing division 24 couples of ATM1 instruction is to carry out common transaction (S427).In common transaction, the control part 12 of ATM1 shows deposit or the transaction selection picture waited of withdrawing the money on the display part of operating portion 13, is selected by user.
When the result of above-mentioned inspection be need return in cash DB232 log in have an entry comprising the account number, carry out distinctive process (S423 " has ").Namely, data processing division 24 need be returned the bar destination data (needing cash reimbursement data) that in cash DB232, corresponding with the account number of this user need return cash read logging in, and sends (S424) via line connection 22 to the ATM1 that have sent this Transaction Information.
If ATM1 receives via line connection 19 need sent from center 2 and returns cash data, then the picture 31 meaning " having taken care of the bank note of previous transaction " is presented at (S415) on display part by control part 12.User's operation inputting part, can shown from picture 31 " on-the-spot return " (cash reimbursement), " fund account ", select certain 1 (S416) in " reply of window ".
If user selects " on-the-spot return ", then control part 12 confirms that the cash in cash deposit machine portion 16 (or coin deposit machine portion 17) adds the state of paper money, if sending (S416 " OK ") of cash can be carried out, then the bank note (or coin) of the amount of money amount of there taking care of from user when concluding the business and being false (needing to return the amount of money) is sent from bank note (coin) incorporating section by cash deposit machine portion 16 (or coin deposit machine portion 17), returns (S418) to user.Further, the message meaning the account number need returning cash data for this and returned cash sends to center 2 by control part 12.
If center 2 receives this notice, then data processing division 24 is under the control in document control portion 25, and the Management flag 2325 need returning the entry corresponding with account number of cash DB232 is rewritten as " 1 " (S426).Thus, the process of the return of invalid cash of concluding the business completes, then to common transaction processing transfer (S427).
In the selection undertaken by picture 31, if user selects " fund account ", then control part 12 sends meaning the amount of money that the account number need returning cash data for this carries out the returning message stored in account to center 2.
If center 2 receives this notice, then data processing division 24 is under the control in document control portion 25, the account number of account message file 231 is carried out to the amount of money deposit process that need return, and upgrades account balance (S425).Further, the Management flag 2325 need returning the entry corresponding with account number of cash DB232 is rewritten as " 1 " (S426).Thus, the process of the return of invalid cash of concluding the business completes, then to common transaction processing transfer (S427).
And then in the selection passing through picture 31, if user selects " window is corresponding ", then picture 32 is shown to (S419) on display part by control part 12.If user sees the display of picture 32, then go to the window of financial institution.In the case, the explanation of receiver pope crewman, carries out the return of cash or the process of fund account at window.
After process when above transaction is false, after some period of time, the Management flag need returning cash DB232 is entry deletion (S428) of " 1 ".
As above, under the state that the cash having been carried out credit transaction by ATM is taken in bank note (coin) access mechanism portion, becoming in the invalid situation of transaction because of the fault of central side, making need return cash list, by its data at centre management, then, when this user has carried out concluding the business with ATM, return the data of cash list according to the need by centre management, processed by the selection of user, with by cash reimbursement or carry out fund account.Thereby, it is possible to save the in the past such time along with cash reimbursement and the time of pipe crewman, the convenience of the money transaction of user can be improved further.
Embodiment two:
Embodiment 1 utilizes the ATM of identical financial institution, carries out the transaction processing (process of Fig. 4 A, Fig. 4 B) for transaction originally and cash reimbursement.
In example 2, the ATM of different financial institutions is being utilized to carry out, in the system (collaborative financial institution transaction system) of the transaction of cash, also can carrying out the cash reimbursement process of concluding the business when being false.
Such as, suppose the user of the transactional cards holding financial institution A in the ATM of financial institution A, to carry out credit transaction originally and be that transaction is false.In the case, cash DB232 returned by the need that at the center (central computer A) of financial institution A, formation illustrates in embodiment 1.Then, suppose that identical user starts transaction with the ATM of the financial institution B worked in coordination with financial institution A.In the case, the central computer B of the Transaction Information (comprising the password of account number and user) of this user to financial institution B sends by the control part of the ATM of financial institution B, and the central computer A of this Transaction Information to financial institution A is sent by communication line by central computer B.
In central computer A, confirm that whether the password of user is correct, and inspection need return the account number (Fig. 4 B, step S423) whether logging in this user in cash DB232.If the result checked has the invalid account number of transaction, then need return cash data and send to central computer B.Display frame 31 (Fig. 3) on the display part of the ATM of the financial institution B of central computer B in user's transaction, makes the mode of user to cash reimbursement select (Fig. 4 B, step S415).
Then action is same with the process of Fig. 4 B substantially.In a word, compared with embodiment 1, difference is clip central computer B between the central computer A that the ATM of financial institution B of user's transaction and user have the financial institution A of account, but be understood that, the feature of the essence of the process action (Fig. 4 A, Fig. 4 B) when transaction is false does not change.
Embodiment three:
Embodiment 1 and 2 to carry out the process of the cash reimbursement of concluding the business when being false by the chance that ATM carries out concluding the business after utilizing user.
In embodiment 3, not when using the transaction of ATM, but hold the process that user utilizes the chance of the Internet banking of this financial institution to carry out the cash reimbursement of concluding the business when being false.
As prerequisite, suppose that user carries out credit transaction at ATM and concludes the business and be false, cash DB232 returned by the need defining embodiment 1 in center 2.
When user accepts the Internet banking of this financial institution, user uses oneself PC (personal computer) or portable terminal device (hereinafter referred to singly as user's terminal) to access the accounts information file 231 of oneself at center 2.Now, from user's terminal to center 2, transmission comprises the password of user and the Transaction Information of account number.The data processing division 24 at center 2 confirms that whether the password of user is correct, and inspection need return the account number (Fig. 4 B, step S423) whether logging in this user in cash DB232.If the result checked has the invalid account number of transaction, then to user's terminal of this user send for conclude the business be false time keeping the apply for information of disposal of cash, the display part of user's terminal shows this message, user can be made to select deposit in the account of user by return gold or gold return will be returned in the future in the site of financial institution.This process is same with the process of step S414 ~ S415.
And then, as variation, also the requirement of the Internet banking of user can not be waited for, and there occurs in the invalid situation of transaction, the data processing division 24 at center 2 logs in addresses of items of mail destination in Documents Department 23, user's terminal to user in advance as personal information, sends the apply for information of the disposal about the cash taken care of when concluding the business and being false.User sees the display of message, and can carry out Internet banking, or goes to the site of financial institution in the future, or can as embodiment 1, utilize ATM to carry out the process of Fig. 4 B.
Embodiment four:
In embodiment 1, have in the Documents Department 23 be in center 2 and need return cash DB232, but be not must possess separately this need return cash DB232.
In example 4, can not have separately in Documents Department 23 and need return cash DB232, and the account number corresponding to the accounts information file 231 of each user makes to return the project that cash DB232 has the data that should log in.Namely, in certain account number of user, there occurs transaction when being false, data processing division 24 can correspond to accounts information file 23 the account number and by during the generation day of trade 2322, the amount of money 2323 need be returned, the making day of cash list need be returned time 2324 and Management flag 2325 log in or upgrade.
Above, embodiments of the invention are illustrated, but the present invention is not limited to above-described embodiment, can be out of shape further, applies and implement.
Such as, need return cash list, need return the title of cash DB etc. is illustrate, as long as this function follows purport of the present invention, also can be other titles.Such as, may also be referred to as be false golden managing listings, transaction of transaction to be false golden admin table or its DB.Also singly can be called transaction to be false golden management data.

Claims (9)

1. a cash processing system, comprising:
ATM and central computer;
This ATM has: operating portion, is operated by user, has input block and display unit; Cash handling apparatus structure portion, at least carry out cash deposit and by cash to inner or be recycled to inside; Control part, controls described operating portion and described cash handling apparatus structure portion, carries out the control making the Transaction Information comprising the amount of money of deposit and the accounts information of user; And the 1st storage part, for the information of preserving;
This central computer is connected with described ATM via communication line, has: the 2nd storage part, the accounts information of management user; And data processing division, the update process of the described accounts information of described 2nd storage part is carried out based on the described Transaction Information sent from described ATM;
From described ATM to after described central computer sends described Transaction Information, in the invalid situation of transaction becoming cash in the fault owing to occurring at this center calculation pusher side, the described control part of described ATM controls described cash handling apparatus structure portion and is reclaimed by the cash of deposit, and make cash reimbursement list and be saved to described 1st storage part, this cash reimbursement list is that the amount of money of the cash of recovery and the accounts information of user are established the cash reimbursement list associated, when trouble shooting afterwards, the described cash reimbursement list be kept in described 1st storage part sends to described central computer by described control part,
In described central computer, the information of the described cash reimbursement list sent from described ATM is associated with described accounts information and is stored in described 2nd storage part by described data processing division;
The described control part of described ATM shows on the described display unit of described operating portion returns the amount of money, and the user to described accounts information carries out the return process of the described return amount of money; It is characterized in that,
Described operating portion has camera head and fingerprint identification device, and be positioned at the processing module of described control part inside, described camera head gathers user's facial information, described fingerprint identification device gathers user's fingerprint, and by the bank note information of facial information, finger print information and input that collects stored in described processing module.
2. cash processing system according to claim 1, is characterized in that,
Described camera head is installed on the upper end of described ATM, and described camera head is just to the face of user, and meanwhile, described camera head has image capture module, and described image capture module is connected with described processing module signal.
3. cash processing system according to claim 1, is characterized in that,
Described fingerprint identification device is installed on described operating portion place, user need first by inputting password after fingerprint identification device described in finger presses, meanwhile, described fingerprint identification device has finger print acquisition module, and described finger print acquisition module is connected with described processing module signal.
4. cash processing system according to claim 1, it is characterized in that, described cash handling apparatus structure portion also comprises flatten mechanism, and described flatten mechanism is two dull and stereotyped, the dull and stereotyped pro and con flattening bank note respectively described in two.
5. cash processing system according to claim 1, it is characterized in that, described 2nd storage part stores accordingly by keeping the accounts information comprised in accounts information file and the described cash reimbursement list of the accounts information of user to set up, and stores the cash reimbursement database comprising the Management flag whether the return amount of money and expression complete to the return process of user.
6. cash processing system according to claim 1, it is characterized in that, described 2nd storage part stores the accounts information file of the accounts information keeping user, and the accounts information comprised in described cash reimbursement list is set up corresponding with the described accounts information of described accounts information file, store the state and the return amount of money that need cash reimbursement.
7. according to cash processing system described in any one in claim 1 to 6, it is characterized in that, as the returning method of cash, the described control part of described ATM shows the picture comprising the 1st project and the 2nd project on described display unit, utilize the operation of described input block for user and select any one project in described 1st project and described 2nd project, 1st project returns the amount of money described in the fund account to user, and the 2nd project is return cash from described ATM.
8. cash processing system according to claim 7, it is characterized in that, when the operation by described input block have selected the 1st project, the described control part of described ATM sends will return the information of the amount of money to the described fund account of described user to described central computer; Described central computer carries out deposit process to the account of user to the described return amount of money, upgrades described accounts information, and described Management flag is changed to the state of returning and having processed.
9. cash processing system according to claim 8, it is characterized in that, when the operation by described input block have selected the 2nd project, the described control part of described ATM controls described cash handling apparatus structure portion and will return the cash payment of the amount of money, and returns the notice processed send meaning to described central computer; Described Management flag is changed to the state of returning and having processed by described central computer.
CN201510559823.2A 2015-09-06 2015-09-06 Cash processing system Pending CN105354943A (en)

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Application publication date: 20160224