CN108053580A - A kind of method and system that deposit receipt cancellation is carried out using self-service device - Google Patents

A kind of method and system that deposit receipt cancellation is carried out using self-service device Download PDF

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Publication number
CN108053580A
CN108053580A CN201711428033.6A CN201711428033A CN108053580A CN 108053580 A CN108053580 A CN 108053580A CN 201711428033 A CN201711428033 A CN 201711428033A CN 108053580 A CN108053580 A CN 108053580A
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China
Prior art keywords
deposit receipt
information
self
service device
cancellation
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.)
Granted
Application number
CN201711428033.6A
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Chinese (zh)
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CN108053580B (en
Inventor
张桂泉
唐静芝
陶建林
苏福江
施建峰
潘首道
朱海滨
孙启栓
高云
董晓光
张峰
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SHANGHAI RURAL COMMERCIAL BANK Co Ltd
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SHANGHAI RURAL COMMERCIAL BANK Co Ltd
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Priority to CN201711428033.6A priority Critical patent/CN108053580B/en
Publication of CN108053580A publication Critical patent/CN108053580A/en
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    • 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
    • GPHYSICS
    • G06COMPUTING; CALCULATING; COUNTING
    • G06QDATA PROCESSING SYSTEMS OR METHODS, SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q40/00Finance; Insurance; Tax strategies; Processing of corporate or income taxes
    • G06Q40/02Banking, e.g. interest calculation, credit approval, mortgages, home banking or on-line banking

Abstract

The present invention provides a kind of method and system that deposit receipt cancellation is carried out using self-service device, and method includes obtaining deposit receipt cancellation instruction input by user, and obtains the deposit receipt information that user places deposit receipt;Layout Recognition is carried out to deposit receipt and the true and false differentiates;When Layout Recognition and true and false discriminating pass through, detection identification compares the element information in deposit receipt information, when result meets preset condition, obtains user password corresponding with deposit receipt;Judge the current state of deposit receipt;When for expire state when, the deposit receipt information for needing cancellation is sent to core billing and accounting system by self-service device by network, and core billing and accounting system pass through after deposit receipt cancellation the fund for the amount information corresponding number that self-service device is extracted in deposit receipt information.The present invention carries out the self-service cancellation of deposit receipt by using self-service device, and realizing improves user waits in line for a long time, so as to improve the experience of user and efficiency and reduction bank operations cost, promote site efficiency.

Description

A kind of method and system that deposit receipt cancellation is carried out using self-service device
Technical field
It is espespecially a kind of to carry out deposit receipt cancellation using self-service device the present invention relates to self service terminal of bank technical field Method and system.
Background technology
Counter service is that bank is the most frequently used, also most direct method of service.With increasing for business handling demand, battalion of bank The operational pressure of industry Room sales counter also increasingly increases, and needs queuing etc. for a long time so as to cause to bank bussiness hall sales counter transacting business It waits, is brought to user greatly constant.
At present, with the gradual propulsion of customer self-service service, each bank bussiness hall has been provided with various intelligent automatic teller machines.Intelligence The multinomial business such as automatic teller machine can be handled including opening an account, credit card application, Investment & Financing, product signing, life payment.Intelligent teller Machine is shunted in front-end business, in terms of improving work efficiency, takes on key player.
But existing intelligent automatic teller machine can only generally handle bank card related service, time certificate of deposit related service is current Intelligent automatic teller machine can not be used to handle.
For the above situation, this application provides a kind of technical solutions of solution more than technical problem.
The content of the invention
The object of the present invention is to provide a kind of method and system that deposit receipt cancellation is carried out using self-service device, by using certainly Equipment is helped to carry out the self-service cancellation of deposit receipt, realizing improves user waits in line for a long time, so as to improve the work efficiency kimonos of user Business experience and reduction bank operations cost promote site efficiency.
Technical solution provided by the invention is as follows:
A kind of method that deposit receipt cancellation is carried out using self-service device, including:
Self-service device described in step S10 obtains deposit receipt cancellation instruction input by user, and obtains user and place depositing for deposit receipt Single information;Self-service device described in step S20 carries out the deposit receipt Layout Recognition and the true and false differentiates, when Layout Recognition and the true and false are reflected Not by when, perform step S31;Whether the element information that self-service device detection described in step S31 is stated in deposit receipt information is complete, when When testing result is that element information is complete, step S32 is performed;Self-service device described in step S32 identifies and compares the deposit receipt letter Partial information in breath, when identification and comparison result are correct, the self-service device obtains user password corresponding with the deposit receipt, And perform step S40;Self-service device described in step S40 judges the current state of the deposit receipt, when for expire state when, perform step Rapid S60;The deposit receipt information for needing cancellation is sent to the core account system by self-service device described in step S60 by network System, the amount of money that the core billing and accounting system extracted after deposit receipt cancellation by the self-service device in the deposit receipt information are believed Cease the fund of corresponding number.
Present solution provides carrying out the cancellation of papery deposit receipt and extracting the scheme of fund using self-service device is self-service, on the one hand make It obtains user and reduces and wait in line, on the other hand also improve the work efficiency of bank and other financial mechanism.
Further, step S60 is specifically included:
Self-service device described in step S61 obtains cancellation input by user and confirms instruction, and the self-service device is by the deposit receipt In cancellation information by network transmission give the core billing and accounting system;The core billing and accounting system is by the amount of money in the deposit receipt It charges to temporary fund pond and returns to cancellation list information and temporary fund pond information to the self-service device, it is described afterwards self-service Equipment shows cancellation list information;
Self-service device described in step S62 includes the temporary fund pond amount of money on the self-service device;It is and described It is shown on self-service device and continues cancellation option and fund extracting mode option;Step S63 is when user's selection continuation cancellation choosing Xiang Shi continues to obtain the deposit receipt information for the continuation cancellation deposit receipt that user places in step S10 and continue to execute to step S61, In, when in cancellation step self-service device, which occurs, for the deposit receipt for continuing cancellation terminates this time to operate, jump to step S62;
Self-service device described in step S64 obtains fund extracting mode instruction input by user, when fund extracting mode instructs When being extracted for noncash, the self-service device obtains the existing account information of user and verifies encrypted message, when verification has account After the success of family encrypted message, the fund of the amount information corresponding number in the extraction temporary fund pond of transferring accounts to the existing account Family.
This programme further provides cancellation and extracts the detailed step of fund, in the present solution, user can be more with cancellation Deposit receipt, then fund is uniformly produced, further improve efficiency.
Further, further included after step S40;
Self-service device described in step S51 judges the amount information in the deposit receipt information, when the amount information is less than the During one preset cost, step S511 is performed;Self-service device described in step S511 judges to whether there is authentication in the deposit receipt information Information when it is present, performs step S512;Self-service device described in step S512 believes the account information of the deposit receipt, voucher number Breath and amount information pass ginseng to coding machine and coding machine api interface are called to be calculated, and the coding machine exports authentication value to institute Self-service device is stated, the self-service device checks the current authentication information with the authentication information in the deposit receipt information, When consistent, step S60 is performed.
This programme further provides the specific steps of deposit receipt information judgement, in practice, in order to which fund security and supervision need If it is more than certain restrictions to want the deposit receipt amount of money, it may be necessary to which further certification must be handled to sales counter in person, it is therefore desirable to gold Volume judgment step.In addition, providing the verification of deposit receipt authentication in this programme, clients fund security may further ensure that.
Further, in step S20, the self-service device carries out the deposit receipt Layout Recognition and the true and false differentiates specific bag It includes:
Self-service device described in step S21 carries out Layout Recognition to the deposit receipt, when format is recognizable format, performs step Rapid S22, when format is not can recognize that format, the self-service device terminates this time to operate;Self-service device is to institute described in step S22 It states deposit receipt and carries out true and false discriminating, when identification result is true, perform step S30, when identification result is doubtful there are during query, sending Ask that deposit receipt information to filing office, obtains judging result of the filing office to the deposit receipt true and false, when judging result is true, holds Row step S30.
Present solution provides the specific steps that deposit receipt Layout Recognition and the true and false differentiate, further promote security, play anti- Only forge the effect that deposit receipt is mixed the spurious with the genuine.
Further, in step S31, when testing result is uneven full-time for element information, the self-service device terminates this It operates and shows and accept exception information;In step S32 when identification and comparison result mistake, deposited described in the self-service device transmission Single pictorial information obtains auditing result of the filing office to the deposit receipt, when auditing successfully, then continues afterwards to filing office It carries out self-service device and obtains user password corresponding with the deposit receipt.
Present solution provides the particular contents of deposit receipt detection, further improve security.
Further, step S40 is further included:
When the current state of the deposit receipt is not yet due state, the self-service device shows the not yet due prompting letter of deposit receipt Breath, and the not yet due status information of deposit receipt is sent to filing office, auditing result of the filing office to the deposit receipt is obtained, works as examination & verification During success, step S52 is performed;Step S52 obtains user certificate information and obtains customer identification information, according to the user certificate Part information, the customer identification information and the deposit receipt information carry out authentication by network to Integrated Authentication platform, when During certification success, step S60 is performed;
It is described self-service when the current state of the deposit receipt is abnormal state or the deposit receipt is that can not accept deposit receipt Device end, which is this time operated and shown, accepts exception information.
This programme further provides the further content of deposit receipt condition adjudgement.
Further, step S51 is further included:
When the amount information is more than or equal to first preset cost and is less than the second preset cost, step is performed S513;Self-service device described in step S513 sends deposit receipt amount of money msu message to filing office, obtains the filing office and is deposited to described The auditing result of single amount of money when auditing successfully, performs step S60.
Further, step S51 is further included:
When the amount information is more than or equal to the second preset cost, step S514 is performed;It is self-service described in step S514 to set It is standby to obtain user certificate information and obtain customer identification information, according to the user certificate information, the customer identification information And the deposit receipt information carries out authentication, when the authentication is successful, the self-service device by network to Integrated Authentication platform Deposit receipt amount of money msu message is sent to filing office, the self-service device obtains examination & verification knot of the filing office to the deposit receipt amount of money Fruit when auditing successfully, performs step S60.
Above scheme is that deposit receipt is described beyond the further verification process that certain amount of money carries out, and is for carrying High financing security ensures that wholesale fund will not be falsely taken as far as possible.
The disclosure also provides a kind of system that deposit receipt cancellation is carried out using self-service device, including:
User input apparatus, for obtaining deposit receipt cancellation instruction input by user and user password;
Deposit receipt acquisition device, for obtain user insertion the deposit receipt information, and be further used for the deposit receipt into Row Layout Recognition, the true and false differentiate, and be further used for detection state whether complete element information in deposit receipt information and identification and Compare the partial information in the deposit receipt information;
Processing unit, for judging the current state of the deposit receipt;When judging result is to expire state, determine whether Amount information in the deposit receipt information when less than the first preset cost, determines whether deposited in the deposit receipt information In authentication information, when it is present, the further account information in the deposit receipt information, voucher information and amount information Current authentication information is calculated, the current authentication information is checked with the authentication information in the deposit receipt information, when consistent When, the deposit receipt information for needing cancellation is sent to the core billing and accounting system by network, the core billing and accounting system into The fund of the amount information corresponding number in the deposit receipt information is extracted after the cancellation of row deposit receipt by the self-service device.
Further, the system that deposit receipt cancellation is carried out using self-service device, is further included:
Information display device, for showing the not yet due prompt message of deposit receipt;
Information transmitting apparatus, for sending the not yet due status information of deposit receipt to filing office;
Validation of information device, for obtaining auditing result of the filing office to the deposit receipt;
Certificate information acquisition device, for obtaining user certificate information;
Customer identification information acquisition device, for obtaining customer identification information;
Identification authentication system, for by the user certificate information, the customer identification information and the deposit receipt information, Authentication is carried out to user by network.
By it is provided by the invention using self-service device carry out deposit receipt cancellation method and system, can bring it is following at least A kind of advantageous effect:
1st, in the present invention, using the self-service cancellation of deposit receipt, the situation that user waits in line for a long time can be improved, improve and use The work efficiency and service experience and reduction bank operations cost at family promote site efficiency.
2nd, in the present invention, realize that the self-service of papery deposit receipt is handled with human-computer conversational mode, promote human-computer dialogue mould The development of formula, and drive industry further to intelligence.
3rd, in the present invention, need to carry out authentication before the self-service cancellation of deposit receipt, including agent's authentication and commission People's authentication for confirming effective identity of user, prevents that usurping other people identity carries out illegal activities.
4th, in the present invention, every deposit receipt securities such as system is stable, reliably the automated execution true and false differentiates, element identifies Detection, it is ensured that deposit receipt is authentic and valid, and deposit receipt information is prevented to be tampered, and user benefit is caused to obtain effective guarantee.
It 5th, in the present invention, can be efficient carrying by the service of self-service device and artificial flow slitless connection, switching Meanwhile user security is preferably ensured.
Description of the drawings
Below by a manner of clearly understandable, preferred embodiment is described with reference to the drawings, to it is a kind of using self-service device into Above-mentioned characteristic, technical characteristic, advantage and its realization method of the method and system of row deposit receipt cancellation are further described.
Fig. 1 is the flow chart of one embodiment of the method that deposit receipt cancellation is carried out using self-service device of the present invention;
Fig. 2 is the flow chart of another embodiment of the method that deposit receipt cancellation is carried out using self-service device of the present invention;
Fig. 3 is the flow chart of another embodiment of the method that deposit receipt cancellation is carried out using self-service device of the present invention;
Fig. 4 is the structure diagram of one embodiment of the system that deposit receipt cancellation is carried out using self-service device of the present invention;
Fig. 5 is the structure diagram of another embodiment of the system that deposit receipt cancellation is carried out using self-service device of the present invention.
Drawing reference numeral explanation:
1- user input apparatus;2- deposit receipt acquisition device;3- processing units;4- information display devices;5- information sends dress It puts;6- validation of information devices;7- certificate information acquisition device;8- customer identification information acquisition device;9- identification authentication systems.
Specific embodiment
In order to illustrate more clearly about the embodiment of the present invention or technical scheme of the prior art, control is illustrated below The specific embodiment of the present invention.It should be evident that the accompanying drawings in the following description is only some embodiments of the present invention, for For those of ordinary skill in the art, without creative efforts, other are can also be obtained according to these attached drawings Attached drawing, and obtain other embodiments.
To make simplified form, part related to the present invention is only schematically shown in each figure, they are not represented Its practical structures as product.In addition, so that simplified form readily appreciates, there is identical structure or function in some figures Component only symbolically depicts one of those or has only marked one of those.Herein, "one" is not only represented " only this " can also represent the situation of " more than one ".
The present invention provides a kind of one embodiment for the method that deposit receipt cancellation is carried out using self-service device, referring to Fig. 1, bag It includes:Step S10 self-service devices obtain deposit receipt cancellation instruction input by user, and obtain the deposit receipt information that user places deposit receipt;Step Rapid S20 self-service devices carry out deposit receipt Layout Recognition and the true and false differentiates, when Layout Recognition and true and false discriminating pass through, perform step S31;Whether the element information that the detection of step S31 self-service devices is stated in deposit receipt information is complete, when testing result is neat for element information It is full-time, perform step S32;In step S31, when testing result is uneven full-time for element information, self-service device terminates this time to operate And it shows and accepts exception information.
Step S32 self-service devices identify and compare partial information in deposit receipt information, when identification and comparison result are correct, from Equipment is helped to obtain user password corresponding with deposit receipt, and performs step S40.In step S32 when identification and comparison result mistake, Self-service device sends deposit receipt pictorial information to filing office, obtains auditing result of the filing office to deposit receipt afterwards, when auditing successfully, Then continue self-service device and obtain user password corresponding with deposit receipt;Step S40 self-service devices judge the current state of deposit receipt, When for expire state when, perform step S60;The deposit receipt information for needing cancellation is sent to by step S60 self-service devices by network Core billing and accounting system, core billing and accounting system carry out deposit receipt cancellation afterwards by the amount information in self-service device extraction deposit receipt information The fund of corresponding number.
Specifically, in the present embodiment, after user selects deposit receipt cancellation function on self-service device and is inserted into deposit receipt, first It carries out deposit receipt Layout Recognition and the true and false differentiates;After Layout Recognition and true and false discriminating pass through, then the complete property detection of element information is carried out, When element information is complete, the identification and comparison of a part of element information are also carried out.Element information can include account, family Name, deposit amount (capitalization), voucher number (printing), voucher number (printing), deposit receipt type, bank of deposit, deposit day, the amount of money are (small Write), in the time limit, on value date, the Expiration Date, draw mode, unloading mark, mark of circulating, seal, handle, black and white electronics chapter etc..It carries out The complete property detection of element, the complete property detection of element include requisite item detection and the detection of inessential element, requisite item detection bag Include account, name in an account book, deposit amount (capitalization), voucher number (printing), voucher number (printing), deposit receipt type, seal (or black and white electronics Chapter), the detection of inessential element include bank of deposit, deposit day, the amount of money (small letter), the time limit, value date, the Expiration Date, draw mode, turn Deposit mark, mark of circulating, handle, requisite item detection all by detection after, the detection of element complete property passes through;Otherwise element Complete property detection failure, self-service device exit deposit receipt, and terminate this time to operate.
The identification of authentication element information includes element OCR, and (Optical Character Recognition, optical character are known It is not compared with element information), element OCR includes voucher number (printing), account (verification specification detect), voucher number (printing), close It gives as security, deposit amount (RMB, amount of money rule), name in an account book, after item whole item identified above identifies successfully, element OCR passes through;Element Information comparison includes voucher number (printing) and voucher number (printing) comparison, OCR accounts index ticket information, the OCR amount of money and backstage The amount of money compares, OCR names in an account book with backstage household register name compares, OCR authentications and backstage authentication compare, more than comparison item is whole compares successfully Afterwards, element information comparison passes through.It is any obstructed out-of-date that element OCR and element information compare, then deposit receipt element information recognition result Ineligible, self-service device terminates this operation after exiting deposit receipt at this time, and prompts user's the machine that can not accept, please to cabinet face Transacting business.Element OCR and element information are compared all by rear, then the element information identification in deposit receipt and comparison result meet item Part prompts user to input deposit receipt password at this time.After user correctly enters deposit receipt password on self-service device, self-service device judgement is deposited Single current state, when deposit receipt is to expire state, the deposit receipt information for needing cancellation is sent to core by self-service device by network Billing and accounting system, the amount information that core billing and accounting system extracted after deposit receipt cancellation by self-service device in deposit receipt information correspond to The fund of quantity.
On the basis of above example, the present invention also provides one embodiment, and referring to Fig. 2, step S60 is further wrapped It includes, step S61 self-service devices obtain cancellation input by user and confirm instruction, and the cancellation information in deposit receipt is passed through net by self-service device Network is transferred to core billing and accounting system;The amount of money in deposit receipt is charged to temporary fund pond and returns to cancellation list by core billing and accounting system Information and temporary fund pond information are to self-service device, the cancellation list information of self-service device display afterwards;Step S62 self-service devices will The temporary fund pond amount of money is shown on self-service device;And it is shown on self-service device and continues cancellation option and the choosing of fund extracting mode ;Step S63 continues to obtain the continuation cancellation deposit receipt that user places in step S10 when user selects to continue cancellation option Deposit receipt information is simultaneously continued to execute to step S61, wherein, terminate when self-service device occurs in cancellation step for the deposit receipt for continuing cancellation When this time operating, step S62 is jumped to;In step S62, when user selects to continue cancellation, a new deposit receipt is placed into, again Until S61, at this time self-service device display cancellation list, there is two cancellation information since step S10;Step S62 afterwards In, the amount of money in temporary fund pond is exactly the cumulative of two deposit receipt amount of money, can also then carry out next Zhang Cundan cancellations again afterwards, And so on.
It goes wrong among the deposit receipt of first cancellation, when generation self-service device terminates this time to operate, just directly exits Deposit receipt, will not jump to step S62, and in the deposit receipt operating process of second or cancellation afterwards, due in temporary fund pond There has been certain amount of money in face, when in cancellation step self-service device, which occurs, for the deposit receipt for continuing cancellation terminates this time to operate, meeting Jump to step S62.
Afterwards, step S64 self-service devices obtain fund extracting mode instruction input by user, when fund extracting mode instructs When being extracted for noncash, self-service device obtains the existing account information of user and verifies encrypted message, when the existing account of verification is close After code information success, the fund of the amount information corresponding number in extraction temporary fund pond of transferring accounts to existing account.It obtains and has Account information can be by reading bank card, brush bankbook, scanning the two-dimensional code or brush smart machine etc. obtains all kinds of of user Have account, such as the payment of bank account, Alipay, wechat, APPLEPAY etc., the present embodiment is not limited, as long as can carry The purpose account turned to for fund.By taking bank card as an example, other modes repeat no more for the present embodiment and following embodiment.
Certainly, fund extracting mode can also include cash withdrawal, and self-service device can provide cash, if amount of cash Excessive, self-service device can also prompt to cabinet face to handle.
Specifically, in the present embodiment, after before S60 the step of completes, self-service device prompting cancellation confirms interface, uses Family signs or by fingerprint identification, self-service device receives confirm instruction after, recycling deposit receipt is gone forward side by side marketing family, and cancellation is completed laggard Enter cancellation list, display name deposits phase, interest rate, currency type, the amount of money, interest, the cancellation amount of money, and often pin one opens deposit receipt, updates the row Table, and provide and continue cancellation button, selection continues cancellation, then returns to insertion deposit receipt interface, does not select to continue cancellation, then carries out Fund extracts flow.In fund extraction flow, user selects fund extracting mode, when user's selection is transferred accounts extraction, then prompts User is inserted into bank card or the defeated bank card number of hand or account, after inputting account, can show address name, be sent out after being confirmed by user Play money transfer transactions.
In another preferred embodiment of the present embodiment, further included after step S40;Step S51 self-service devices Judge the amount information in deposit receipt information, when amount information is less than the first preset cost, perform step S511;Step S511 is certainly Equipment is helped to judge when it is present, to perform step S512 with the presence or absence of authentication information in deposit receipt information;Step S512 self-service devices will Account information, voucher information and the amount information of deposit receipt pass ginseng to coding machine and coding machine api interface are called to be calculated, close Signature machine exports authentication value to self-service device, and the authentication information in current authentication information and deposit receipt information is carried out core by self-service device It is right, when consistent, perform step S60.
Specifically, in the present embodiment, judge the current state of deposit receipt in self-service device, when for expire state when, continue pair The deposit receipt amount of money is judged.If the deposit receipt amount of money is less than the first preset cost, (such as 10,000 yuan, which can set as required Put, be only for example herein), then judge that deposit receipt whether there is authentication, if there are authentications, need first to check authentication, it will be on deposit receipt Account, voucher number, the amount of money pass ginseng to coding machine, coding machine calculates current authentication value, then the authentication value with being printed on deposit receipt Whether verification is consistent, consistent to represent that deposit receipt account, voucher number, the amount of money are all correct, and not by distorting, authentication checks correct nothing After by mistake, it is further continued for carrying out follow-up step.
In another preferred embodiment of the present embodiment, in step S20, self-service device carries out format knowledge to deposit receipt Not and true and false discriminating specifically includes:Step S21 self-service devices carry out Layout Recognition to deposit receipt, when format is recognizable format, Step S22 is performed, when format is not can recognize that format, self-service device terminates this time to operate;Step S22 self-service devices are to deposit receipt True and false discriminating is carried out, when identification result is true, performs step S30, when identification result is there are during query, sends query deposit receipt Information obtains judging result of the filing office to the deposit receipt true and false, when judging result is true, performs step S30 to filing office
Specifically, in the present embodiment, deposit receipt Layout Recognition and the true and false differentiate that including Layout Recognition and the true and false successively differentiates. Carry out deposit receipt Layout Recognition first, when deposit receipt format is recognizable format, i.e., deposit receipt Layout Recognition by when, self-service device carries Show that deposit receipt manages it new deposit receipt for me, when format for not recognizable format when, i.e., the failure of deposit receipt Layout Recognition when, self-service device, which exits, to be deposited It is single, terminate this time to operate, while prompt self-service device not recognizable deposit receipt format.When Layout Recognition by after, carry out deposit receipt it is true Puppet differentiates that the deposit receipt true and false, which differentiates, can include the multispectral characteristic comprehensive detection of red waterline, the detection of Bureau sign ultraviolet fluorescence properties, draft bank Ultraviolet fluorescence properties detection, the detection of special security paper, each element printing carbon ink Characteristics Detection, each element gradation of drop-out colour are consistent Property detection, draft bank area alter detection, amount in Chinese character area alter detection and authentication area alter detection at least a portion.If Detection meets sets requirement, then deposit receipt discriminating is true;If not by detection, identification result is deposit receipt there are query, at this time will Deposit receipt information there are query is sent to intelligent terminal (filing office) the progress on-the-spot audit of bank clerk, while mark is doubted The deposit receipt image of point is sent to staff's intelligent terminal, and staff carries out live manual examination and verification, when live manual examination and verification are led to Out-of-date, staff carries out fingerprint identification operation on self-service device, and self-service device skips deposit receipt true and false identification flow automatically, and Continue to execute remaining flow.
On the basis of above example, the present invention also provides one embodiment, are further included with reference to Fig. 3, step S40:When When the current state of deposit receipt is not yet due state, self-service device shows the not yet due prompt message of deposit receipt, and it is not yet due to send deposit receipt Status information obtains auditing result of the filing office to deposit receipt, when auditing successfully, performs step S52 to filing office;Step S52 It obtains user certificate information and obtains customer identification information, believed according to user certificate information, customer identification information and deposit receipt Breath carries out authentication by network to Integrated Authentication platform, when the authentication is successful, performs step S60.
When the current state of deposit receipt is abnormal state or deposit receipt is that can not accept deposit receipt, self-service device terminates this It operates and shows and accept exception information.Self-service device terminates this operation after exiting deposit receipt at this time, and prompts user that the machine can not It accepts, please to cabinet face transacting business.
Deposit receipt state draws that state, old deposit receipt (before 2013) state, state be abnormal, not yet due state including non-password And the state that expires.Password draws state, old deposit receipt state belongs to and accepts deposit receipt.
Specifically, in the present embodiment, self-service device judges deposit receipt current state, deposit receipt state draws shape including non-password State, state be abnormal, old deposit receipt (before 2013) state, not yet due state and the state that expires, when deposit receipt is in not yet due shape During state, self-service device prompting user's deposit receipt is not yet due, and bank clerk is waited to carry out on-the-spot audit, and deposit receipt is not yet due Information push to bank clerk intelligent terminal (filing office), and prompt teller in intelligent terminal:Deposit receipt is not yet due, please extremely Self-service device carries out live confirmation, and staff's self-service device after intelligent terminal click receives an assignment exits deposit receipt, and work people After member's manual identified deposit receipt, deposit receipt, and the fingerprint identification on self-service device are reentered into, subsequent self-service device carries out authentication Flow.Customer identification information includes facial information, iris information, finger print information etc., user certificate letter in the flow for authenticating ID of family Breath and customer identification information can be verified all, can also only verify a kind of.Preferable scheme is that user certificate information and user know Other information is all verified, in order to avoid falsely use other people certificates.Such as identity card+take pictures recognition of face or identity card+fingerprint recognition etc., Certainly, if safety requirements is especially high, can also identity card+recognition of face+fingerprint recognition+iris recognition of taking pictures+other identification etc. Deng the disclosure is not restricted this, as long as identity authentication function can be realized.The present embodiment and following embodiment are demonstrate,proved using part + recognition of face of taking pictures, other modes repeat no more.For example, in flow for authenticating ID, user's insertion or placement identity document, two Generation ID reading apparatus scanner uni reading identity card part, and take pictures to user, then by the identity document of reading and the use of shooting Family photo is sent to Integrated Authentication platform by network and carries out online checking.Integrated Authentication platform is one of bank subsystem, is used In the human body biological characteristic informations such as iris, fingerprint, the face-image of storage user and identity information, the certificate information of user Deng, also provide interface connection the Ministry of Public Security internet+identity authentication platform or the People's Bank citizenship information platform;If with Family identity is authentic and valid through verifying, and is not belonging to bank black list user, while when the photo in the identity document read and bat When the user picture similarity taken the photograph is more than 90% (notebook data can be arranged as required to, the present invention be not limited), then user's body Part certification success;After authenticating user identification success, self-service device carries out cancellation and extracts the correspondence of the amount information in deposit receipt information The fund of quantity.
In another preferred embodiment of the present embodiment, step S51 is further included:When amount information is more than or equal to the One preset cost and during less than the second preset cost, performs step S513;Step S513 self-service devices send the examination & verification of the deposit receipt amount of money Information obtains auditing result of the filing office to the deposit receipt amount of money, when auditing successfully, performs step S60 to filing office.
Specifically, in the present embodiment, self-service device judges the deposit receipt amount of money, if the deposit receipt amount of money is more than or equal to first Preset cost (such as 10,000 yuan, which can be set as required, be only for example herein) be less than the second preset cost (such as 50000 yuan, which can be set as required, be only for example herein) when, then user waiting prompt bank clerk carries out On-the-spot audit, and on-the-spot audit task is pushed into bank clerk intelligent terminal (filing office), and prompted in intelligent terminal Teller:Certificate of deposit please carries out live confirmation to self-service device.Staff is self-service after intelligent terminal click receives an assignment to be set It is standby to exit deposit receipt;After staff's manual identified deposit receipt, deposit receipt, and fingerprint identification are reentered into, then performs step S60.
When amount information is more than or equal to the second preset cost, step S514 is performed;Step S514 self-service devices, which obtain, to be used Family certificate information and acquisition customer identification information, pass through according to user certificate information, customer identification information and deposit receipt information Network carries out authentication to Integrated Authentication platform, when the authentication is successful, self-service device send deposit receipt amount of money msu message to by At reason, self-service device obtains auditing result of the filing office to the deposit receipt amount of money, when auditing successfully, performs step S60.
Specifically, in the present embodiment, self-service device judges the deposit receipt amount of money, if the deposit receipt amount of money is more than or equal to second During preset cost (such as 50,000 yuan, which can be set as required, be only for example) herein, then need to carry out authentication Flow.Flow for authenticating ID is identical with above example.After authenticating user identification success, self-service device user waiting prompt silver Row staff carries out on-the-spot audit, and on-the-spot audit task is pushed to staff's intelligent terminal (filing office), and in intelligence It can terminal notifying teller:Certificate of deposit please carries out live confirmation to self-service device.Staff clicks in intelligent terminal to be received to appoint Self-service device exits deposit receipt after business;After staff's manual identified deposit receipt, deposit receipt, and fingerprint identification are reentered into, then, is performed Step S60.
One complete cancellation embodiment can include:User selects deposit receipt cancellation function and is inserted into need on self-service device Want the deposit receipt of cancellation;Self-service device carries out deposit receipt Layout Recognition and the true and false differentiates, self-service when Layout Recognition and true and false discriminating failure Equipment exits deposit receipt and terminates this time to operate;When Layout Recognition and the true and false differentiate successfully, it is neat that self-service device carries out deposit receipt element information Full property detection, also to carry out partial information in element information afterwards must identify and compare, when the complete property detection of element information or Identification compares failure, and self-service device, which exits deposit receipt, to be terminated this time to operate;When the detection of element information complete property and identification compare all into Work(, user input deposit receipt password;Self-service device judges deposit receipt current state, when deposit receipt state is abnormal state or deposit receipt is When can not accept deposit receipt, then self-service device terminates this time to operate after exiting deposit receipt;When deposit receipt be not yet due state, need to through work people Member's manual examination and verification are by then carrying out authenticating user identification, authentication success then carries out cancellation and extracts in deposit receipt information The fund of amount information corresponding number;When deposit receipt to have expired state, self-service device judges the deposit receipt amount of money, if the deposit receipt amount of money is less than First preset cost (such as 10,000 yuan) then judges that deposit receipt with the presence or absence of authentication, if there are authentications, needs first to check authentication, After authentication verification is correct, carries out cancellation and extract the fund of the amount information corresponding number in deposit receipt information;If deposit receipt is golden When volume is more than or equal to the first preset cost (such as 10,000 yuan) less than the second preset cost (such as 50,000 yuan), then need through the people that works Member's manual examination and verification are by then carrying out cancellation and extracting the fund of the amount information corresponding number in deposit receipt information;If deposit receipt is golden When volume is more than or equal to the second preset cost (such as 50,000 yuan), then authenticating user identification being carried out, authentication is successful, then through work Personnel's manual examination and verification are by then carrying out cancellation and extracting the fund of the amount information corresponding number in deposit receipt information.
The present invention also provides a kind of system that deposit receipt cancellation is carried out using self-service device, with reference to Fig. 4, including:User is defeated Enter device 1, for obtaining deposit receipt cancellation instruction input by user and user password;Deposit receipt acquisition device 2, for obtaining user The deposit receipt information of insertion, and be further used for carrying out deposit receipt Layout Recognition, true and false discriminating, and be further used for detection and state deposit receipt Whether the element information in information is complete and identifies and compare the partial information in deposit receipt information;Processing unit 3, for sentencing The current state of disconnected deposit receipt;When judging result for expire state when, determine whether the amount information in deposit receipt information, when less than During the first preset cost, determine whether with the presence or absence of authentication information when it is present, further according to deposit receipt to be believed in deposit receipt information Account information, voucher information and amount information in breath calculate current authentication information, and current authentication information and deposit receipt are believed Authentication information in breath is checked, and when consistent, carries out cancellation to deposit receipt and extract the amount information in deposit receipt information to correspond to The fund of quantity.
Specifically, in the present embodiment, self-service device is provided with user input apparatus, deposit receipt acquisition device, processing unit. User input apparatus is for obtaining deposit receipt cancellation instruction input by user, user password corresponding with deposit receipt, cancellation confirmation instruct, Continue cancellation instruction, the instruction of fund extracting mode, the existing account password etc. of user.It may include to touch on user input apparatus hardware Touch screen, keyboard or other input equipments, can also simultaneously there are two and above input equipment.It should be appreciated that realize user's input Device not only includes input equipment, it is also necessary to relevant devices, circuit and the corresponding software such as corresponding signal transmission, control With set etc..Touch-screen receives the input of user based on tactile and/or tactile contact.It is defeated that touch-screen formation one receives user The touch sensitive surface entered.Touch-screen detection touch-screen on contact and by the contact transformation detected into including touching The interaction of the user interface object of such as soft-key button etc on screen.In one exemplary embodiment, touch-screen and user it Between contact point correspond to user finger.Touch-screen can use LCD (liquid crystal display) technologies or LPD (light emitting polymers Display) technology, but other display technologies can be used in other embodiments.Touch-screen can be used in a variety of Touch technologies Any one detects contact and its movement or interruption, these Touch technologies include but not limited to capacitance, resistance, infrared harmony table Wave technology and other proximity sensor arrays or the other technologies for determining the point being in contact with touch-screen.It is other defeated Entering equipment may include physical button (such as pressing keys, rocking bar button etc.), mouse and keyboard etc..
It can be realized on deposit receipt acquisition device hardware by bill scanner.Bill scanner be for common list, The system of the paper documents such as bill data scanning identification, utilizes OCR (Optical CharacterRecognition, optics word Symbol identification) technology, be rapidly completed the information gathering of list, bill, can scanning recognition draw a bill code, number, date, the amount of money of evidence Wait key messages.
It can be realized on processing unit hardware by the hardware including central processing unit, memory, communication module.It should Work as understanding, central processing unit runs various software programs stored in memory and/or instruction set, to perform self-service device Various functions, and data are handled.Memory may include high-speed random access memory, and may also include non-volatile Property memory, such as disk storage equipment, flash memory device or other non-volatile solid-state memory devices.Communication module passes through wired Or wireless mode communicates with other equipment (such as core billing and accounting system), and it further includes to handle the various of data Component software.It can be realized on Integrated Authentication platform, core billing and accounting system hardware by one or more server.It should manage Solution realizes that above device not only includes above-mentioned hardware, it is also necessary to relevant devices, the circuit such as corresponding signal transmission, control with And corresponding software and setting etc..
On the basis of above example, the present invention also provides one embodiment, with reference to Fig. 5, further include:Presentation of information fills 4 are put, for showing the not yet due prompt message of deposit receipt;Information transmitting apparatus 5, for sending the not yet due status information of deposit receipt to accepting Place;Validation of information device 6, for obtaining auditing result of the filing office to deposit receipt;Certificate information acquisition device 7 is used for obtaining Family certificate information;Customer identification information acquisition device 8, for obtaining customer identification information;Identification authentication system 9, for that will use Family certificate information, customer identification information and deposit receipt information carry out authentication by network to user.
Specifically, it in the present embodiment, can be realized on information display device hardware by touch-screen, display etc..Letter It can be realized on breath sending device hardware by communication module etc..On validation of information device hardware can by fingerprint sensor etc. come It realizes.It can be realized on certificate information acquisition device hardware by Certification of Second Generation reading apparatus.Customer identification information acquisition device hardware On can be realized by camera, fingerprint capturer, iris identification equipment etc..It should be appreciated that realize certificate information acquisition device Not only include camera, fingerprint capturer, iris identification equipment etc., it is also necessary to which the correlations such as corresponding signal transmission, control are set Standby, circuit and corresponding software and setting etc..On identification authentication system hardware can by include central processing unit, memory, Hardware including communication module is realized.It should be appreciated that realize that above device not only includes above-mentioned hardware, it is also necessary to corresponding The relevant devices such as signal transmission, power supply, circuit and corresponding software and setting etc..
Method intermediary before the present embodiment can be found in using the system specific workflow of self-service device progress deposit receipt cancellation The step of continuing, the application of these steps is in the present system.
The present invention is by the self-service cancellation of deposit receipt, and realizing improves user waits in line for a long time, so as to improve the life of user Efficiency and quality and reduction bank operations cost, the purpose for promoting site efficiency.
One of ordinary skill in the art will appreciate that:Realizing all or part of step of above method embodiment can pass through The relevant hardware of program instruction is completed, and foregoing program can be stored in a read/write memory medium, which is performing When, execution the step of including above method embodiment;And foregoing storage medium includes:ROM, RAM, magnetic disc or CD etc. are each Kind can store the medium of program code.
It should be noted that the contents such as information exchange, implementation procedure in the system between each module and the above method are real It applies example and is based on same design, particular content can be found in the narration in the method for the present invention embodiment, and details are not described herein again.
It should be noted that above-described embodiment can be freely combined as needed.It the above is only being preferably implemented for the present invention Mode, it is noted that for those skilled in the art, without departing from the principle of the present invention, also Several improvements and modifications can be made, these improvements and modifications also should be regarded as protection scope of the present invention.

Claims (10)

  1. A kind of 1. method that deposit receipt cancellation is carried out using self-service device, which is characterized in that including:
    Self-service device described in step S10 obtains deposit receipt cancellation instruction input by user, and obtains the deposit receipt letter that user places deposit receipt Breath;
    Self-service device described in step S20 carries out the deposit receipt Layout Recognition and the true and false differentiates, when Layout Recognition and the true and false differentiate By when, perform step S31;
    Whether the element information that self-service device described in step S31 is detected in the deposit receipt information is complete, when testing result is element When information is complete, step S32 is performed;
    Self-service device described in step S32 identifies and compares partial information in the deposit receipt information, when identification and comparison result are correct When, the self-service device obtains user password corresponding with the deposit receipt, and performs step S40;
    Self-service device described in step S40 judges the current state of the deposit receipt, when for expire state when, perform step S60;
    The deposit receipt information for needing cancellation is sent to the core account system by self-service device described in step S60 by network System, the amount of money that the core billing and accounting system extracted after deposit receipt cancellation by the self-service device in the deposit receipt information are believed Cease the fund of corresponding number.
  2. 2. the method according to claim 1 that deposit receipt cancellation is carried out using self-service device, which is characterized in that step S60 has Body includes:
    Self-service device described in step S61 obtains cancellation input by user and confirms instruction, and the self-service device will be in the deposit receipt Cancellation information gives the core billing and accounting system by network transmission;The core billing and accounting system charges to the amount of money in the deposit receipt Temporary fund pond and cancellation list information and temporary fund pond information are returned to the self-service device, afterwards the self-service device Show cancellation list information;
    Self-service device described in step S62 includes the temporary fund pond amount of money on the self-service device;It is and described self-service It is shown in equipment and continues cancellation option and fund extracting mode option;
    Step S63 when user's selection continuation cancellation option, deposit by the continuation cancellation for continuing to obtain user's placement in step S10 The deposit receipt information of list is simultaneously continued to execute to step S61, wherein, when in cancellation step self-service device occurs for the deposit receipt for continuing cancellation When terminating this time to operate, step S62 is jumped to;
    Self-service device described in step S64 obtains fund extracting mode instruction input by user, when the instruction of fund extracting mode is non- During cash withdrawal, the self-service device obtains the existing account information of user and verifies encrypted message, when the existing account of verification is close After code information success, the fund of the amount information corresponding number in the extraction temporary fund pond of transferring accounts to the existing account.
  3. 3. the method according to claim 1 or 2 that deposit receipt cancellation is carried out using self-service device, which is characterized in that step S40 It further includes afterwards;
    Self-service device described in step S51 judges the amount information in the deposit receipt information, when the amount information is less than first in advance If during the amount of money, perform step S511;
    Self-service device described in step S511 judges when it is present, to perform step with the presence or absence of authentication information in the deposit receipt information S512;
    The account information of the deposit receipt, voucher information and amount information are passed ginseng to coding machine by self-service device described in step S512 And coding machine api interface is called to be calculated, the coding machine exports authentication value to the self-service device, and the self-service device will The current authentication information is checked with the authentication information in the deposit receipt information, when consistent, performs step S60.
  4. 4. the method according to claim 1 or 2 that deposit receipt cancellation is carried out using self-service device, which is characterized in that step S20 In, the self-service device carries out the deposit receipt Layout Recognition and true and false discriminating specifically includes:
    Self-service device described in step S21 carries out Layout Recognition to the deposit receipt, when format is recognizable format, performs step S22, when format is not can recognize that format, the self-service device terminates this time to operate;
    Self-service device described in step S22 carries out true and false discriminating to the deposit receipt, when identification result is true, performs step S30, when Identification result is that there are during query, send query deposit receipt information to filing office, obtain the filing office to the deposit receipt true and false Judging result when judging result is true, performs step S30.
  5. 5. the method according to claim 1 or 2 that deposit receipt cancellation is carried out using self-service device, it is characterised in that:
    In step S31, when testing result is uneven full-time for element information, the self-service device terminates this time to operate and show to accept Exception information;
    In step S32 when identification and comparison result mistake, the self-service device transmission deposit receipt pictorial information to filing office, Obtain auditing result of the filing office to the deposit receipt afterwards, when auditing successfully, then continue self-service device obtain with The corresponding user password of the deposit receipt.
  6. 6. the method according to claim 1 or 2 that deposit receipt cancellation is carried out using self-service device, which is characterized in that step S40 It further includes:
    When the current state of the deposit receipt is not yet due state, the self-service device shows the not yet due prompt message of deposit receipt, and The not yet due status information of deposit receipt is sent to filing office, obtains auditing result of the filing office to the deposit receipt, when auditing successfully When, perform step S52;
    Step S52 obtains user certificate information and obtains customer identification information, according to the user certificate information, the user Identification information and the deposit receipt information carry out authentication by network to Integrated Authentication platform, when the authentication is successful, perform Step S60;
    When the current state of the deposit receipt is abnormal state or the deposit receipt is that can not accept deposit receipt, the self-service device End, which is this time operated and shown, accepts exception information.
  7. 7. the method that deposit receipt according to claim 3 is opened an account, which is characterized in that step S51 is further included:
    When the amount information is more than or equal to first preset cost and is less than the second preset cost, step S513 is performed;
    Self-service device described in step S513 sends deposit receipt amount of money msu message to filing office, obtains the filing office to the deposit receipt The auditing result of the amount of money when auditing successfully, performs step S60.
  8. 8. the method that deposit receipt according to claim 3 is opened an account, which is characterized in that step S51 is further included:
    When the amount information is more than or equal to the second preset cost, step S514 is performed;
    Self-service device described in step S514 obtains user certificate information and obtains customer identification information, according to the user certificate Information, the customer identification information and the deposit receipt information carry out authentication by network to Integrated Authentication platform, when recognizing When demonstrate,proving successfully, the self-service device sends deposit receipt amount of money msu message to filing office, and the self-service device obtains the filing office To the auditing result of the deposit receipt amount of money, when auditing successfully, step S60 is performed.
  9. 9. a kind of system that deposit receipt cancellation is carried out using self-service device, which is characterized in that including:
    User input apparatus, for obtaining deposit receipt cancellation instruction input by user and user password;
    Deposit receipt acquisition device for obtaining the deposit receipt information of user's insertion, and is further used for carrying out version to the deposit receipt Formula identification, the true and false differentiate, and are further used for detecting the whether complete element information stated in deposit receipt information and identification and compare Partial information in the deposit receipt information;
    Processing unit, for judging the current state of the deposit receipt;When judging result is to expire state, determine whether described Amount information in deposit receipt information when less than the first preset cost, is determined whether in the deposit receipt information with the presence or absence of close Information is given as security, when it is present, further the account information in the deposit receipt information, voucher information and amount information calculate Current authentication information, the current authentication information is checked with the authentication information in the deposit receipt information, will when consistent The deposit receipt information for needing cancellation is sent to the core billing and accounting system by network, and the core billing and accounting system carries out deposit receipt The fund of the amount information corresponding number in the deposit receipt information is extracted after cancellation by the self-service device.
  10. 10. the system of deposit receipt cancellation is carried out using self-service device according to claim 9, which is characterized in that further include:
    Information display device, for showing the not yet due prompt message of deposit receipt;
    Information transmitting apparatus, for sending the not yet due status information of deposit receipt to filing office;
    Validation of information device, for obtaining auditing result of the filing office to the deposit receipt;
    Certificate information acquisition device, for obtaining user certificate information;
    Customer identification information acquisition device, for obtaining customer identification information;
    Identification authentication system, for by the user certificate information, the customer identification information and the deposit receipt information, passing through Network carries out authentication to user.
CN201711428033.6A 2017-12-26 2017-12-26 Method and system for carrying out deposit and sales by using self-service equipment Active CN108053580B (en)

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