CN105809848A - Method and device for planned self-service cash withdrawal - Google Patents

Method and device for planned self-service cash withdrawal Download PDF

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Publication number
CN105809848A
CN105809848A CN201610131448.6A CN201610131448A CN105809848A CN 105809848 A CN105809848 A CN 105809848A CN 201610131448 A CN201610131448 A CN 201610131448A CN 105809848 A CN105809848 A CN 105809848A
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CN
China
Prior art keywords
client
self
cash
check
bank
Prior art date
Legal status (The legal status is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the status listed.)
Pending
Application number
CN201610131448.6A
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Chinese (zh)
Inventor
陆洪瑞
Current Assignee (The listed assignees may be inaccurate. Google has not performed a legal analysis and makes no representation or warranty as to the accuracy of the list.)
Beijing Yinrong Technology Co Ltd
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Beijing Yinrong Technology Co Ltd
Priority date (The priority date is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the date listed.)
Filing date
Publication date
Application filed by Beijing Yinrong Technology Co Ltd filed Critical Beijing Yinrong Technology Co Ltd
Priority to CN201610131448.6A priority Critical patent/CN105809848A/en
Publication of CN105809848A publication Critical patent/CN105809848A/en
Pending legal-status Critical Current

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Classifications

    • GPHYSICS
    • G07CHECKING-DEVICES
    • G07FCOIN-FREED OR LIKE APPARATUS
    • G07F19/00Complete banking systems; Coded card-freed arrangements adapted for dispensing or receiving monies or the like and posting such transactions to existing accounts, e.g. automatic teller machines
    • G07F19/20Automatic teller machines [ATMs]
    • G07F19/203Dispensing operations within ATMs
    • GPHYSICS
    • G06COMPUTING; CALCULATING OR COUNTING
    • G06KGRAPHICAL DATA READING; PRESENTATION OF DATA; RECORD CARRIERS; HANDLING RECORD CARRIERS
    • G06K7/00Methods or arrangements for sensing record carriers, e.g. for reading patterns
    • G06K7/0004Hybrid readers
    • GPHYSICS
    • G07CHECKING-DEVICES
    • G07FCOIN-FREED OR LIKE APPARATUS
    • G07F19/00Complete banking systems; Coded card-freed arrangements adapted for dispensing or receiving monies or the like and posting such transactions to existing accounts, e.g. automatic teller machines
    • G07F19/20Automatic teller machines [ATMs]
    • G07F19/206Software aspects at ATMs

Abstract

The invention discloses a method and device for planned self-service cash withdrawal, and relates to the field of automatic cash withdrawal. At present, clients of domestic and oversea banks withdraw cash with checks manually, the automation degree is low, and efficiency is low; when the clients withdraw cash with cards, no appointment is made; the method and device are aimed at reducing waiting time of clients and improving planning, efficiency and safety. The method includes the following steps that a client makes an appointment with a bank through a remote terminal for the amount and denomination of cash which the client plans to withdraw and the time of withdrawal, and the bank responds and determines the time of withdrawal; the bank checks the cash according to demands of the client and puts the cash into a storage unit of an automatic cash withdrawal device, and memory is kept through a CPU; the client inserts a valid documentation preappointed to be used into a preappointed self-service cash withdrawal device within valid time, types in a password, determines the identity, and types in a preappointed withdrawal amount; after completing the verification of client information, the self-service cash withdrawal device finds the storage unit corresponding to the client and finally starts the payment of the cash withdrawal device according to the appointment.

Description

A kind of method of planning self-help collection of payment and device
Technical field
The present invention relates to the field of self-help drawing money, be particularly well-suited to method and the device of a kind of planning self-help collection of payment.
Background technology
Bank is manually carried out with check enchashment client both at home and abroad at present, and automaticity is low, and efficiency is low;Do not preengage during with card enchashment.A point wholesale of withdrawing the money is withdrawn the money and small amount is withdrawn the money, and wholesale is withdrawn the money needs reservation.
Summary of the invention
It is an object of the invention to reduce the waiting time of client, improve planned, improve efficiency, and improve safety.The scheme that the present invention adopts is: comprise the steps:
1, client and bank's reservation are planned to obtain cash number, denomination, time;
2, money is checked by bank by the requirement of client, puts into the storage element of self-help drawing money device, and CPU processor is remembered;
3, client is inserted into self-help drawing money device, key feeding cipher with perfect instrument of having made an appointment in effective time, it is determined that identity, keys in reservation and withdraws the money volume;
4, self-help drawing money device finds the storage element that this client is corresponding, starts withdraw device payment.
Preferably
Comprise the steps:
1, it is intended to the amount of money to withdraw the money and the time applies in advance to bank;
2, bank replys and determines the time of withdrawing the money;
3, money is checked by bank by the requirement of client, puts into the storage element of self-help drawing money device, and CPU processor is remembered;
4, client is inserted into self-help drawing money device, key feeding cipher with perfect instrument of having made an appointment in effective time, it is determined that identity, keys in reservation and withdraws the money volume;
5, self-help drawing money device finds the storage element that this client is corresponding, starts withdraw device payment.
Preferably
In above-mentioned steps: money is checked by bank by the requirement of client, breaks into bag, putting into a storage element of self-help drawing money device, CPU processor is remembered.
Preferably
In above-mentioned steps, self-help drawing money device finds the storage element that this client is corresponding, starts withdraw device and cash is transported to payment mouth payment;Perfect instrument is cash on bank, or card.
Preferably
In above-mentioned steps, self-help drawing money device finds the storage element that this client is corresponding, starts withdraw device and storage element turns to payment mouth payment;Perfect instrument is cash on bank, or blocks and password.
Preferably
In above-mentioned steps, money is checked by bank by the requirement of client, breaks into bag, labelled, puts into a storage element of self-help drawing money device, and CPU processor is remembered.
Preferably
Above-mentioned in steps in do not describe in the steps below
1, in the server that bank self-help withdraw device is connected, client's account and subscription information data base are set;
2, client contacts by telecom-connecting to set up with bank server at remote terminal;
3, on the display of remote terminal, the cash on bank self-help collection of payment reservation interface of display inputs particular account number by input block, password bank end confirm after unit of display title etc., the corresponding numerical value wanted is inputted in cash denominations, number and time fences of withdrawing deposit carrying in advance of display, confirmation after input, click and confirm namely to upload, after by explicit reservation success, and a check code is shown, should record when this code has been on the waiting list money and be input in withdraw device;
4, volume of withdrawing the money and face amount by reservation insert check, and are added by the out of Memory of cash on bank nominal value,
5, check is put into the check input port of withdraw device;
6, withdraw device reads the information of check and transmits this information to the customer information central authentication of bank's end;
7, identifying code during input reservation, checking determines one's identity further;
Check is exited if 8 checkings are not inconsistent and refuse payment;If checking is consistent, and check is taken in withdraw device, and pays the cash volume to take.
Preferably
A kind of planning self-help collection of payment device, telecom-connect including consumer remote's terminal and bank server, for showing customer self-service enchashment reservation interface special code inputting interface such as account, password on the display of remote terminal, after input, display is carried in advance cash denominations, number and time inputting interface of withdrawing deposit, confirmation after input, clicks and confirms namely to upload, by explicit reservation success after uploading, and a check code is shown, should record when this code has been on the waiting list money and be input in withdraw device;Including bank's end server, for the server being connected with withdraw device, client's account and subscription information data base is set in bank server, customer information is provided for being connected as withdraw device with the main control computer of withdraw device, receiving record client operation on withdraw device, managing customer information, verifies client identity, it is provided that subscription services;Including self-help drawing money device, it is arranged on client and is easy to the place of operation, be used for receiving customer checks or card, pay client cash.
Preferably;nullSelf-help drawing money device in described device includes system and controls main frame and main frame,For being connected with bank end server telecommunications,Report guest operation,With reception server instruction,And manage each electrical appliance part of withdraw device,When bill of credit is check,Make harvesting check payment or refuse to pay the instruction of money,When bill of credit is for card,The true and false of checking card,Make payment or the instruction refused to pay,Including with control the operated device that is connected of main frame or also can be connected with bank's end server telecommunications,The place being arranged on casing client and touching,For receiving the instruction of client,Reader including customer information carrier,For reading the information that client provides,And report to main control computer,Including check retraction mechanism,For receiving the control of main control computer,Check is regained or exits,Store including cash、Payment device,For placing client's cash to be taken,Receive the control of main control computer,The position that memory client's cash is deposited,Cash is paid in operation according to client,Including card reader,It is arranged on casing client and is easy to the place touched,For receiving the control of main control computer,The identity of checking client.
Preferably;Check retraction mechanism in described device includes driving device, it is arranged on check reading device passage, is used for driving check completely in reading device, and the instruction according to main control computer is received and kept or exits check, including storage bin, it is arranged on the rear end of check reading device, for storing the check of harvesting, including check information reader, it is arranged on passage, it is connected with main control computer or is joined directly together with bank end server, being used for reading check information, and report to main control computer or bank's end server.
Preferably;Driving device in described device is made up of force-note wheel, power wheel and drive motor, it is arranged on check reading device passage, for driving check, wherein drive motor, is connected with driving wheel, rack-mount, for accepting main control computer control, thering is provided power for driving wheel, wherein force-note wheel, power wheel are separately mounted to up and down or on the support of left and right, and the folder for being formed at two-wheeled drives check in meeting.
Preferably;Described device includes identity card reader or magnetic card reader, is arranged on casing client and is easy to the place touched, for verifying client identity further, increase safety.
Preferably;Reader in described device is the reader of identification microchip device, identifies the reader of the reader of IC-card, the reader of identification contactless IC card, the reader of identification radio frequency transponder, the reader of identification magnetic information, the reader of identification magnetic card, the reader identifying light-card or identification Photoelectric Detection card or the reader of identification information button;Can also is that digital camera, photographic head, camera lens combination imageing sensor and analog-digital converter, camera lens combine one or more in pickup tube and analog-digital converter, scanner, wand, magneto-dependent sensor combination die number converter and keyboard;Described user profile refers to that one or more and client of client's person feature such as biological characteristic of client's fingerprint or client's iris or facial characteristics etc. holds information such as card, password, information bar etc..
Preferably;Including call reservation systems and telephone authorizations system in described device, customer phone is connected by a telecommunications and is connected with bank end authoring system, for carrying out bank's end subscription authorization device authorizing Cash Out and acquirement check code.
Preferably;The storage element of the withdraw device in described device has geocoding one to one.
Preferably
Adopt online booking or authoring system, it is connected by Internet with bank end, for signing in bank's end reservation by Internet network or authorizing interface, carry out preengaging or authorizing enchashment, including bank's end reservation or authoring system, Internet, client reservation or authoring system interface, account, password.
Preferably
Also include customer's identity card reader or and magnetic card reader, for verifying client identity further, increase safety.
Beneficial effects of the present invention: improve planned, reduces the waiting time of client, and improves safety, it is possible to realize bank when 24.
Accompanying drawing illustrates:
Fig. 1 is the structural representation of the present invention;
Fig. 2 is the structural representation of withdraw device of the present invention;
Fig. 3 is the structural representation into check mouth;
Fig. 4 is the schematic diagram that passage read by check.
It is described further in conjunction with example:
Referring to Fig. 1, it is received transmission system by 1 client data, is a computer, and 2 is keyboard, and 3 is display;4 process system for bank's end data, for bank's end server for installing containing client's account and subscription information database software information, it is connected for the main control computer with withdraw device, thus providing customer information for withdraw device, receiving record client operation on withdraw device, managing customer information, verifies client identity, it is provided that subscription services;Input block 5, is used for inputting customer information, and display unit 6 is display, and 7 is withdraw device;In the drawings, B is client computer system is that bank's end computer system is connected by Internet with A, and client computer system is used for passing through Internet network, use customer account, password, sign in bank's end reservation or authorize interface, carrying out preengaging or authorize enchashment, and obtain check code;The device of self-help collection of payment, telecom-connect including consumer remote's terminal and bank server, for showing self-help collection of payment reservation interface special code inputting interface such as account, password on the display of remote terminal, after input, display is carried in advance cash denominations, number and time inputting interface of withdrawing deposit, confirmation after input, clicks and confirms namely to upload, by explicit reservation success after uploading, and a check code is shown, should record when this code has been on the waiting list money and be input in withdraw device;Including bank's end server, for the server being connected with withdraw device, client's account and subscription information database software information is set in bank server, it is connected for the main control computer with withdraw device, customer information, receiving record client operation on withdraw device, managing customer information is provided for withdraw device, checking client identity, it is provided that subscription services;Including self-help drawing money device, it is arranged on client and is easy to the place of operation, be used for receiving customer checks or verifying that client is held, pay client cash.
Reservation or authoring system in bank's end server are connected with client reservation or authoring system, for using the account of client, password login to authorize to bank's end reservation or authoring system, adopt online or phone to carry out preengaging or authorizing, in the server that bank self-help withdraw device is connected, set client's account and subscription information data base.
In Fig. 2,1 is display, being arranged on the place that client is easy to watch, for human computer conversation, 2 is keyboard and check detecting device and reader, prefabricated card-inserting device and reader, way not deployed draws, is arranged on the place that client is easy to touch, for human computer conversation, check is inserted or inserts cards into, 3 is cash dispensing port, is used for taking paper money, and 4 is casing, it is provided with security door, for airtight each parts, depositing cash, take check, 5 is check storage bin, is provided with security door, it is arranged on the back of check detecting device, is used for keeping in check and taking out check.
Fig. 3, in 4,1 is reader, can be video camera or rod-type scanner, being arranged on upside or the downside of passage, be used for reading check information, 2 is pressure check wheel, 3 is driving wheel, 4 is photoelectric sensor, is arranged on the rear end of passage, after being used for observing that check enters check detecting device completely, report is to main control computer, driving wheel stops driving, and allows check be parked in one and allows reader read its information position completely, and 5 is check.Prefabricated card-inserting device is not drawn into.
Its work process is
1, client contacts by telecom-connecting to set up with bank server at remote terminal;
2, on the display of remote terminal, the self-help collection of payment reservation interface of display inputs particular account number by input block, password bank end confirm after unit of display title etc., the corresponding numerical value taken is wanted in the input in cash denominations, number and time fences of withdrawing deposit that carries in advance in display, confirmation after input, click and confirm namely to upload, by explicit reservation success after uploading, and a check code is shown, should record when this code has been on the waiting list money and be input in withdraw device;
3, volume of withdrawing the money and face amount by reservation insert check, and are added by the out of Memory of cash on bank nominal value,
4, check is put into the check input port of withdraw device;
5, withdraw device reads the information of check and transmits this information to the customer information central authentication of bank's end;
6, identifying code during input reservation, checking determines one's identity further;
Check is exited if 7 checkings are not inconsistent and refuse payment;If checking is consistent, and check is taken in withdraw device, and pays the cash volume to take.
The identity card identification device and the magnetic card reading device that are also provided with client check client identity further;Certain magnetic card be bank in advance client handle this system open an account time, just have been issued to client's.
Above-mentioned reader 2, it is possible to be the various readers corresponding with above-mentioned various customer information carriers.Can be identify variously-shaped microchip device reader, identify IC-card reader, identify contactless IC card reader, identify variously-shaped radio frequency transponder reader, identify the reader making variously-shaped magnetic information, the reader identifying magnetic card, the reader identifying light-card or identify the reader of Photoelectric Detection card, identify the reader of information button, and identify the reader of bio information.For gathering the customer information in customer information carrier.In customer information carrier, storage has client for buying the checking password of check, or the information such as biological characteristic, customer accounting code.Customer information carrier can be common all kinds, variously-shaped can storage information the microchip for identification, or by microchip package IC-card in plastic cards, microchip can also take other form encapsulating structure, it can be non-contact IC card, can be can by reader identification energy storage information and be packaged into variously-shaped transponder in radio-frequency recognition system, magnetizing mediums, magnetic card, light-card, Photoelectric Detection card or information button that various forms energy storage information can be identified can also be made as, it is also possible to be biology itself etc..This device can also adopt and control the common key-to-disk replacement reader that main frame is connected with system, and customer information is inputted this device.
When with card enchashment, namely client's mode by bank card is adopted, by customer information support card, (interior storage has the checking password by encrypting, the information such as customer accounting code), insert or the reader 2 on casing in Fig. 2, this reader 2 delivers to bank's end server interpretation by the information in the customer information carrier of reading and by data wire, interpretation: 1, whether client identity is legal: 2 customer accounting codes that will read, and bank's end server instruction performs following operation when meeting the condition of bank's end server setting: show operating guidance guiding guest operation on display 1 simultaneously.When client be operated by device 2 input client use password and select reservation quantity of withdrawing the money after, bank's end server instruction payment device pays this unit cash, and bank's end server will by this process of software records.
In sum, these are only presently preferred embodiments of the present invention, be not intended to limit protection scope of the present invention.Such as, the multiformity of withdraw device, market is commercially available, additionally check vertification device can multi-angle be arranged, it is possible to is horizontally disposed with, it is possible to be vertically arranged;Also having display is multi-media display, can be used for replacing the function of keyboard, also has a storage element to have geocoding one to one to see method and the device of the 2007-11-12 a kind of drawing money of whole denomination applied for, but coded system can be various, such as electronic tag etc.;Therefore, all make within the spirit and principles in the present invention any amendment, equivalent replacement, improvement etc., should be included within protection scope of the present invention.

Claims (10)

1. a method for planning self-help collection of payment, withdraws the money transaction for wholesale, it is characterised in that: comprise the steps:
1), client passes through remote terminal and bank's reservation is planned to the number of cash of taking-up, denomination, time, and bank replys and determines the time of withdrawing the money;
2), bank by the requirement of client, money is checked, put into the storage element of self-help drawing money device, and remembered by CPU processor;
3), client in effective time, the perfect instrument to use made an appointment is inserted the self-help drawing money device of agreement, key feeding cipher, it is determined that identity, keys in reservation and withdraw the money volume;
4), self-help drawing money device after completing certification customer information, find the storage element that this client is corresponding, finally by agreement start withdraw device payment.
2. the method for planning self-help collection of payment according to claim 1, it is characterised in that:
Money is checked by bank by the requirement of client, breaks into bag, labelled, puts into a storage element of self-help drawing money device, and CPU processor is remembered.
3. the method for planning self-help collection of payment according to claim 1 and 2, it is characterised in that: self-help drawing money device finds the storage element that this client is corresponding, starts withdraw device and cash is transported to payment mouth payment;Perfect instrument is cash on bank or card.
4. the method for planning self-help collection of payment according to claim 1 and 2, it is characterised in that: self-help drawing money device finds the storage element that this client is corresponding, starts withdraw device and storage element turns to payment mouth payment;Perfect instrument is cash on bank or release.
5. the method for planning self-help collection of payment according to claim 4, it is characterised in that: withdraw device includes mechanical hand, and cash is transported to payment mouth by described mechanical hand.
6. the device of a planning self-help collection of payment, it is characterised in that the method using the arbitrary described planning self-help collection of payment of claim 1-5, described device includes:
Consumer remote's terminal, telecom-connect with bank server, for showing customer self-service enchashment reservation interface special code inputting interface such as account, password on the display of remote terminal, after input, display is carried in advance cash denominations, number and time inputting interface of withdrawing deposit, confirmation after input, clicks and confirms namely to upload, by explicit reservation success after uploading, and a check code is shown, should record when this code has been on the waiting list money and be input in withdraw device;
Bank's end server, for the server being connected with withdraw device, client's account and subscription information data base is set in bank server, customer information is provided for being connected as withdraw device with the main control computer of withdraw device, receiving record client operation on withdraw device, managing customer information, verifies client identity, it is provided that subscription services;
Self-help drawing money device, is arranged on client and is easy to the place of operation, be used for receiving customer checks or card, pay client cash.
7. the device of planning self-help collection of payment according to claim 6, it is characterised in that: described self-help drawing money device includes:
System controls main frame and main frame, for being connected with bank end server telecommunications, report guest operation, with receive server instruction, and manage each electrical appliance part of withdraw device, when bill of credit is check, make harvesting check payment or refuse to pay the instruction of money, when bill of credit is for card, the true and false of checking card, make payment or the instruction refused to pay;
With control main frame or the operated device being connected with bank end server telecommunications, the place being arranged on casing client and touching, be used for receiving the instruction of client;
The reader of customer information carrier, for reading the information that client provides, and reports to main control computer;
Check retraction mechanism, for receiving the control of main control computer, regains check or exits;
Cash stores, payment device, for placing client's cash to be taken, receives the control of main control computer, the position that memory client's cash is deposited, pays cash according to the operation of client;
Card reader, is arranged on casing client and is easy to the place touched, for receiving the control of main control computer, and the identity of checking client.
8. the device of planning self-help collection of payment according to claim 7, it is characterised in that: described check retraction mechanism includes:
Driving device, is arranged on check reading device passage, is used for driving check completely in reading device, and the instruction according to main control computer is received and kept or exits check;
Storage bin, is arranged on the rear end of check reading device, for storing the check of harvesting;
Check information reader, is arranged on passage, is connected with main control computer or is joined directly together with bank end server, is used for reading check information, and reports to main control computer or bank's end server.
9. the device of planning self-help collection of payment according to claim 8, it is characterized in that: described driving device is made up of force-note wheel, power wheel and drive motor, it is arranged on check reading device passage, is used for driving check, wherein drive motor, it is connected with driving wheel, rack-mount, it is used for accepting main control computer control, provides power for driving wheel, wherein force-note wheel, power wheel are separately mounted to up and down or on the support of left and right, and the folder for being formed at two-wheeled drives check in meeting.
10. the device of the planning self-help collection of payment according to any one of claim 6-9, it is characterised in that: described reader is the reader of identification microchip device, identifies the reader of the reader of IC-card, the reader of identification contactless IC card, the reader of identification radio frequency transponder, the reader of identification magnetic information, the reader of identification magnetic card, the reader identifying light-card or identification Photoelectric Detection card or the reader of identification information button;Can also is that digital camera, photographic head, camera lens combination imageing sensor and analog-digital converter, camera lens combine one or more in pickup tube and analog-digital converter, scanner, wand, magneto-dependent sensor combination die number converter and keyboard;Described user profile refers to that one or more and client of client's person feature such as biological characteristic of client's fingerprint or client's iris or facial characteristics etc. holds information such as card, password, information bar etc..
CN201610131448.6A 2008-02-14 2008-02-14 Method and device for planned self-service cash withdrawal Pending CN105809848A (en)

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CN111967979A (en) * 2020-09-01 2020-11-20 中国银行股份有限公司 Method, device and system for processing reserved withdrawal request
CN111967979B (en) * 2020-09-01 2023-08-01 中国银行股份有限公司 Method, device and system for processing reserved withdrawal request
CN112184025A (en) * 2020-09-29 2021-01-05 中国银行股份有限公司 Intelligent money distribution method and device for foreign currency reservation
CN112184025B (en) * 2020-09-29 2023-08-22 中国银行股份有限公司 Intelligent banknote distribution method and device for foreign currency reservation

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