CN106683293A - Bank ATM machine with self-help card withdrawing function and bank card management method - Google Patents
Bank ATM machine with self-help card withdrawing function and bank card management method Download PDFInfo
- Publication number
- CN106683293A CN106683293A CN201611169954.0A CN201611169954A CN106683293A CN 106683293 A CN106683293 A CN 106683293A CN 201611169954 A CN201611169954 A CN 201611169954A CN 106683293 A CN106683293 A CN 106683293A
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- China
- Prior art keywords
- bank
- bank card
- card
- storage box
- atm
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Classifications
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- G—PHYSICS
- G07—CHECKING-DEVICES
- G07F—COIN-FREED OR LIKE APPARATUS
- G07F19/00—Complete 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
- G07F19/20—Automatic teller machines [ATMs]
- G07F19/209—Monitoring, auditing or diagnose of functioning of ATMs
-
- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/38—Payment protocols; Details thereof
- G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
- G06Q20/409—Device specific authentication in transaction processing
- G06Q20/4093—Monitoring of device authentication
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- Business, Economics & Management (AREA)
- Accounting & Taxation (AREA)
- Engineering & Computer Science (AREA)
- Finance (AREA)
- Physics & Mathematics (AREA)
- General Physics & Mathematics (AREA)
- Computer Security & Cryptography (AREA)
- Strategic Management (AREA)
- General Business, Economics & Management (AREA)
- Theoretical Computer Science (AREA)
- Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)
Abstract
The invention discloses a bank ATM machine with a self-help card withdrawing function and a bank card management method. The bank ATM machine comprises a bank card storage box A and an operation control device thereof, a bank card storage box B and an operation control device thereof, a controller and a communication module. The bank card storage box A is used for storing the bank cards which cannot be withdrawn by the automatic operation of the ATM machine, the bank card storage box B is used for storing the bank cards which can be withdrawn by the automatic operation of the ATM machine. The communication module is used for achieving the communication between the ATM machine and a backstage management system of the ATM machine, the controller is connected with the bank card storage box A operation control device, bank card storage box B operation control device and the communication module. The ATM machine can make a user conduct the card withdrawing operation by directly operating the ATM machine to input a bank card number and necessary identity information for verification, thus not only facilitating a bank client to use, but also alleviating the work load of the bank working personnel.
Description
Technical field
The present invention relates to a kind of with the self-service ATM in bank for moving back card function and bank card management method.
Background technology
With the raising of the deep development and bank client of China's finance Electronic construction to financial service prescription, from
Dynamic automatic teller machine (i.e. ATM) is more and more extensive in the application of financial industry, and ATM is furthering between client and bank
Distance, extends outlet, improves environment for card use, there is provided round-the-clock, omnibearing financial service, reduces operating cost, improves
The aspects such as the service quality and overall competitive strength of financial industry are just playing irreplaceable effect.
ATM in bank is the visual plant for handling bank business, and it brings pole to the business handling of bank client
Big convenience.However, during using ATM in bank, because misoperation causes the situation of " retain card " to happen occasionally.This
In the case of kind, necessary testimonial material on bank client band is generally required, handle to bank counter application and move back card business, by bank
Staff manually moved back card process.Due to due to bank operations are managed, generally handle move back calorie requirement spend it is longer
Time, the use of this both inconvenient bank client can increase extra work burden to bank clerk again.
The content of the invention
It is an object of the invention to overcome the deficiencies in the prior art, there is provided a kind of user can be in the time limit of regulation
Interior, being input into bank's card number and the checking of necessary identity information by directly operation ATM carries out the self-service card that moves back and operates, and both facilitates
The use of bank client, can mitigate the self-service ATM in bank for moving back card function of band of the work load of bank clerk again
And bank card management method.
The purpose of the present invention is achieved through the following technical solutions：It is a kind of with the self-service ATM in bank for moving back card function,
Including bank card storage box A and its actuation means, bank card storage box B and its actuation means and controller and communication module,
Bank card storage box A is used for storage can not move back the bank card of card on ATM by self-help operation realization；Bank card is stored
Case B is used for storage and can pass through the bank card that card is moved back in the realization of ATM self-help operation；Communication module is used to realize ATM and ATM
Communication between background management system；Controller is filled respectively with bank card storage box A actuation means, the manipulation of bank card storage box B
Put and be connected with communication module.
Further, multiple bank card memory element are provided with bank card storage box B, each bank card memory element
Interior to deposit a bank card, each bank card memory element is provided with unique address number, and address number is deposited with bank card
The bank card number placed in storage unit is corresponded.
Further, bank card storage box A is arranged on bank card storage box B lower section, the size of bank card storage box A
More than the size of bank card storage box B, and the geometric center point of bank card storage box A and bank card storage box B is located at same hanging down
On straight line.
It is a kind of with the self-service ATM in bank bank card management method for moving back card function, comprise the following steps：
When S1, ATM perform retain card operation, bank card storage box B is judged with the presence or absence of idle bank card memory element,
Directly the bank card for being gulped down is put in the bank card memory element of free time if existing, and by corresponding bank's card number and is deposited
The bank card access unit address numbering put carries out matching preservation；If the bank card that bank card storage box B does not have the free time is deposited
Storage unit, then be transferred to the bank card for being put into bank card storage box B earliest in bank card storage box A, is gulped down new
Bank card is put into the bank card memory element being available, and again matching preserves bank's card number and bank card access unit address
Numbering；
S2, ATM are performed when moving back card operation, and ATM searches whether the bank card is put according to bank's card number of user input
Put in bank card storage box B, if then carrying out next step, otherwise ATM prompting cannot carry out moving back card；
S3, ATM are verified to the identity information of user input, when the identity information of user input is by checking,
The corresponding relation that ATM is numbered according to bank's card number and bank card access unit address, finds the bank for placing the bank card
Card memory element, by bank card user is returned, and is completed the self-service card that moves back and is operated.
Further, the ATM in bank bank card management method is also included in timing cleaning bank card storage box B
The step of bank card：The bank card being put in bank card storage box B moves back card behaviour in default time limit not over self-service
Carry out moving back card, then ATM is transferred to the bank card in bank card storage box B in bank card storage box A.It is described default
Time limit is 48 hours.
Further, when the bank card in bank card storage box B is transferred in bank card storage box A, ATM is by logical
Letter module to ATM background management system sends message informing.
The invention has the beneficial effects as follows：The present invention devise it is a kind of with the self-service ATM in bank for moving back card function, when user because
After misoperation causes bank card by ATM retain card, within the time limit of regulation, being stored in one can for the bank card of user
In to be stored in or be taken out the bank card memory element of operation according to storage address, user can be in the time limit of regulation
Interior, being input into bank's card number and the checking of necessary identity information by directly operation ATM carries out the self-service card that moves back and operates, and both facilitates
The use of bank client, can mitigate the work load of bank clerk again.
Description of the drawings
Fig. 1 is the self-service ATM in bank structural representation for moving back card function of band of the present invention；
Fig. 2 is the structural representation one of bank card storage box B of the present invention；
Fig. 3 is the structural representation two of bank card storage box B of the present invention.
Specific embodiment
Technical scheme is further illustrated below in conjunction with the accompanying drawings.
As shown in figure 1, a kind of fill with the self-service ATM in bank for moving back card function, including bank card storage box A and its manipulation
Put, bank card storage box B and its actuation means and controller and communication module, bank card storage box A is used for storage not
The bank card of card, the bank calorie requirement work people of storage in bank card storage box A can be moved back by self-help operation realization on ATM
Member's operation ATM takes out bank card and is manually moved back card in bank agency；Bank card storage box B can lead to for storage
Cross ATM self-help operation to realize moving back the bank card of card；Communication module is used to realize between ATM and ATM background management system
Communication；Controller is connected respectively with bank card storage box A actuation means, bank card storage box B actuation means and communication module.
Further, bank card storage box B can be arranged to various shapes, be provided with multiple in bank card storage box B
Bank card memory element, can deposit a bank card in each bank card memory element, each bank card memory element is provided with
Unique address number, address number is corresponded with the bank card number of placement in bank card memory element, as shown in Figure 2
The shapes such as the rectangle shown in circular and Fig. 3.When all bank card memory element have all been put into bank in bank card storage box B
Card, the then bank card being put into earliest will be transferred in bank card storage box A and preserve, to vacate a bank card memory element
To deposit the newest bank card for being gulped down.Should reasonably plan that the bank card in bank card storage box B is deposited in actual applications
The quantity of storage unit, avoids the appearance of such case as far as possible；If in bank card storage box B deposit bank card setting when
Between move back card operation and take away not over self-service within the time limit (such as 48 hours etc.), then can be automatically transferred bank card storage box
Deposit in A, wait staff to carry out card taking；Whenever having new bank card to be stored in bank card storage box A, ATM meeting
Transmitting bank's ATM background management system by rights.
Further, bank card storage box A is arranged on bank card storage box B lower section, the size of bank card storage box A
More than the size of bank card storage box B, and the geometric center point of bank card storage box A and bank card storage box B is located at same hanging down
On straight line.So ensure that the bank card removed from bank card storage box B is fallen directly in bank card storage box A, without the need for
Other drive apparatus, cost-effective and space are installed.
The present invention's is a kind of with the self-service ATM in bank bank card management method for moving back card function, comprises the following steps：
When S1, ATM perform retain card operation, bank card storage box B is judged with the presence or absence of idle bank card memory element,
Directly the bank card for being gulped down is put in the bank card memory element of free time if existing, and by corresponding bank's card number and is deposited
The bank card access unit address numbering put carries out matching preservation；If the bank card that bank card storage box B does not have the free time is deposited
Storage unit, then be transferred to the bank card for being put into bank card storage box B earliest in bank card storage box A, is gulped down new
Bank card is put into the bank card memory element being available, and again matching preserves bank's card number and bank card access unit address
Numbering；
S2, ATM are performed when moving back card operation, and ATM searches whether the bank card is put according to bank's card number of user input
Put in bank card storage box B, if then carrying out next step, otherwise ATM prompting cannot carry out moving back card；
S3, ATM verify to the identity information of user input, such as verify birthday by information, the body of bank card client
The information such as part card number, reserved enquirement and answer, when the identity information of user input is by checking, ATM is according to silver
The corresponding relation of row card number and bank card access unit address numbering, finds the bank card memory element for placing the bank card,
Bank card is returned into user, the self-service card that moves back is completed and is operated.
Further, the ATM in bank bank card management method is also included in timing cleaning bank card storage box B
The step of bank card：The bank card being put in bank card storage box B moves back card behaviour in default time limit not over self-service
Carry out moving back card, then ATM is transferred to the bank card in bank card storage box B in bank card storage box A.The default time
Time limit can voluntarily be arranged according to the situation of each bank, be typically set to 48 hours.
Further, when the bank card in bank card storage box B is transferred in bank card storage box A, ATM is by logical
Letter module to ATM background management system sends message informing.
One of ordinary skill in the art will be appreciated that embodiment described here is to aid in reader and understands this
Bright principle, it should be understood that protection scope of the present invention is not limited to such especially statement and embodiment.This area
It is each that those of ordinary skill can make various other without departing from essence of the invention according to these technologies enlightenment disclosed by the invention
Plant concrete deformation and combine, these deformations and combination are still within the scope of the present invention.
Claims (7)
1. a kind of with the self-service ATM in bank for moving back card function, it is characterised in that including bank card storage box A and its actuation means,
Bank card storage box B and its actuation means and controller and communication module, bank card storage box A can not for storage
The bank card of card is moved back by self-help operation realization on ATM；Bank card storage box B is used for storage can be self-service by ATM
Operation is realized moving back the bank card of card；Communication module is used to realize the communication between ATM and ATM background management system；Control
Device is connected respectively with bank card storage box A actuation means, bank card storage box B actuation means and communication module.
2. it is according to claim 1 with the self-service ATM in bank for moving back card function, it is characterised in that the bank card storage
Multiple bank card memory element are provided with case B, a bank card, each bank card can be deposited in each bank card memory element
Memory element is provided with unique address number, a pair of the bank card number 1 placed in address number and bank card memory element
Should.
3. it is according to claim 1 with the self-service ATM in bank for moving back card function, it is characterised in that the bank card storage
Case A is arranged on bank card storage box B lower section, and the size of bank card storage box A is more than the size of bank card storage box B, and bank
The geometric center point of card storage box A and bank card storage box B is located on same vertical line.
4. a kind of with the self-service ATM in bank bank card manager for moving back card function as described in claims 1 to 3 any one
Method, it is characterised in that comprise the following steps：
When S1, ATM perform retain card operation, bank card storage box B is judged with the presence or absence of idle bank card memory element, if depositing
Then directly the bank card for being gulped down being put in the bank card memory element of free time, and by corresponding bank's card number and storage
Bank card access unit address numbering carries out matching preservation；If the bank card storage that bank card storage box B does not have the free time is single
Unit, then be transferred to the bank card for being put into bank card storage box B earliest in bank card storage box A, by the new bank for being gulped down
Card is put into the bank card memory element being available, and again matching preserves bank's card number and bank card access unit address is compiled
Number；
S2, ATM are performed when moving back card operation, and ATM searches whether the bank card is placed on according to bank's card number of user input
In bank card storage box B, if then carrying out next step, otherwise ATM prompting cannot carry out moving back card；
S3, ATM are verified to the identity information of user input, when the identity information of user input is by checking, ATM
According to the corresponding relation that bank's card number and bank card access unit address are numbered, the bank card storage for placing the bank card is found
Unit, by bank card user is returned, and is completed the self-service card that moves back and is operated.
5. according to claim 4 with the self-service ATM in bank bank card management method for moving back card function, it is characterised in that
The step of ATM in bank bank card management method also includes bank card in timing cleaning bank card storage box B：Bank
The bank card being put in card storage box B moves back card operation and carries out moving back card in default time limit not over self-service, then ATM
The bank card in bank card storage box B is transferred in bank card storage box A.
6. the self-service ATM in bank bank card management method for moving back card function of band stated according to claim 5, it is characterised in that institute
Default time limit is stated for 48 hours.
7. the self-service ATM in bank bank card management method for moving back card function of band stated according to claim 5, it is characterised in that when
When bank card in bank card storage box B is transferred in bank card storage box A, ATM is managed by communication module to ATM backstage
Reason system sends message informing.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201611169954.0A CN106683293A (en) | 2016-12-16 | 2016-12-16 | Bank ATM machine with self-help card withdrawing function and bank card management method |
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201611169954.0A CN106683293A (en) | 2016-12-16 | 2016-12-16 | Bank ATM machine with self-help card withdrawing function and bank card management method |
Publications (1)
| Publication Number | Publication Date |
|---|---|
| CN106683293A true CN106683293A (en) | 2017-05-17 |
Family
ID=58870956
Family Applications (1)
| Application Number | Title | Priority Date | Filing Date |
|---|---|---|---|
| CN201611169954.0A Pending CN106683293A (en) | 2016-12-16 | 2016-12-16 | Bank ATM machine with self-help card withdrawing function and bank card management method |
Country Status (1)
| Country | Link |
|---|---|
| CN (1) | CN106683293A (en) |
Cited By (5)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN107564175A (en) * | 2017-09-12 | 2018-01-09 | 中国联合网络通信集团有限公司 | One kind moves back chucking method, moves back card terminal, mobile network operating side and reimbursement terminal |
| CN110969781A (en) * | 2019-12-05 | 2020-04-07 | 中国银行股份有限公司 | Control method and system of cash recycling machine |
| CN111476939A (en) * | 2020-04-09 | 2020-07-31 | 中国银行股份有限公司 | Bank self-service terminal equipment, system and money exchanging method |
| CN112785789A (en) * | 2020-12-31 | 2021-05-11 | 深圳怡化电脑股份有限公司 | Card returning processing method and device, self-service equipment and storage medium |
| CN115188141A (en) * | 2022-07-19 | 2022-10-14 | 中国工商银行股份有限公司 | Automatic teller machine card returning method based on face recognition technology and automatic teller machine |
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| CN103279779A (en) * | 2013-05-27 | 2013-09-04 | 中国工商银行股份有限公司 | Self-service terminal card retaining process equipment and system |
| CN104156738A (en) * | 2014-08-08 | 2014-11-19 | 广州广电运通金融电子股份有限公司 | Temporary storage and card returning device and card reader |
| CN105205924A (en) * | 2015-10-09 | 2015-12-30 | 昆山古鳌电子机械有限公司 | Card retaining handling device and system for self-service terminal |
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2016
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Patent Citations (3)
| Publication number | Priority date | Publication date | Assignee | Title |
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| CN103279779A (en) * | 2013-05-27 | 2013-09-04 | 中国工商银行股份有限公司 | Self-service terminal card retaining process equipment and system |
| CN104156738A (en) * | 2014-08-08 | 2014-11-19 | 广州广电运通金融电子股份有限公司 | Temporary storage and card returning device and card reader |
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Cited By (6)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN107564175A (en) * | 2017-09-12 | 2018-01-09 | 中国联合网络通信集团有限公司 | One kind moves back chucking method, moves back card terminal, mobile network operating side and reimbursement terminal |
| CN110969781A (en) * | 2019-12-05 | 2020-04-07 | 中国银行股份有限公司 | Control method and system of cash recycling machine |
| CN111476939A (en) * | 2020-04-09 | 2020-07-31 | 中国银行股份有限公司 | Bank self-service terminal equipment, system and money exchanging method |
| CN111476939B (en) * | 2020-04-09 | 2022-04-12 | 中国银行股份有限公司 | Bank self-service terminal equipment, system and money exchanging method |
| CN112785789A (en) * | 2020-12-31 | 2021-05-11 | 深圳怡化电脑股份有限公司 | Card returning processing method and device, self-service equipment and storage medium |
| CN115188141A (en) * | 2022-07-19 | 2022-10-14 | 中国工商银行股份有限公司 | Automatic teller machine card returning method based on face recognition technology and automatic teller machine |
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| PB01 | Publication | ||
| PB01 | Publication | ||
| SE01 | Entry into force of request for substantive examination | ||
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| RJ01 | Rejection of invention patent application after publication |
Application publication date: 20170517 |
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| RJ01 | Rejection of invention patent application after publication |