CN108230139B - Method and system for deposit and account opening by using self-service equipment - Google Patents
Method and system for deposit and account opening by using self-service equipment Download PDFInfo
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- CN108230139B CN108230139B CN201711428381.3A CN201711428381A CN108230139B CN 108230139 B CN108230139 B CN 108230139B CN 201711428381 A CN201711428381 A CN 201711428381A CN 108230139 B CN108230139 B CN 108230139B
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- 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
- G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
- G06Q40/02—Banking, e.g. interest calculation or account maintenance
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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]
- G07F19/206—Software aspects at ATMs
Abstract
The invention provides a method and a system for deposit receipt account opening by using self-service equipment, wherein the method comprises the steps that S10 the self-service equipment acquires a deposit receipt account opening instruction; step S20, self-service equipment acquires user certificate information and/or user identification information, the self-service equipment carries out identity authentication on the user certificate information and/or the user identification information to the integrated authentication platform through a network, and when the authentication is successful, the step S30 is executed; step S30, self-service equipment acquires deposit receipt application information; step S40, the self-service device obtains the deposit receipt voucher number and sends the deposit receipt application information and the deposit receipt voucher number to the core accounting system through the network, the core accounting system performs deposit receipt opening, deposit receipt account information is generated, and the deposit receipt account information is sent to the self-service device. The invention realizes improving the long-time queuing waiting of the users by using the self-service equipment to deposit the deposit list and open the account by self, thereby improving the experience and efficiency of the users, reducing the operation cost of banks and improving the efficiency of network points.
Description
Technical Field
The invention relates to the technical field of bank self-service terminals, in particular to a method and a system for deposit receipt account opening by using self-service equipment.
Background
Counter services are the most common and direct way of serving for banks. With the increase of business handling requirements, the working pressure of the counters of the bank business halls is gradually increased, so that long-time queuing is needed for the business handling of the counters of the bank business halls, and great invariance is brought to users.
Currently, with the gradual advance of customer self-service, various intelligent teller machines are equipped in various bank business halls. The intelligent teller machine can handle a plurality of services including account opening, credit card application, investment and financing, product signing, life payment and the like. The intelligent teller machine plays an important role in distributing counter business and improving the working efficiency.
However, the existing intelligent teller machine can only handle related business of bank cards generally, and related business of the regular deposit receipt cannot be handled by the intelligent teller machine at present.
In view of the above, the present application provides a technical solution to solve the above technical problems.
Disclosure of Invention
The invention aims to provide a method and a system for deposit receipt opening by using self-service equipment, which can improve the long-time queuing waiting of users by using the self-service equipment to deposit receipt opening, thereby improving the experience and efficiency of the users, reducing the operation cost of banks and improving the efficiency of outlets.
The technical scheme provided by the invention is as follows:
a method for deposit and account opening by using self-service equipment comprises the following steps: step S10, the self-service equipment acquires a deposit order account opening instruction; step S20, the self-service device acquires user certificate information and/or user identification information, the self-service device authenticates the user certificate information and/or the user identification information to the integrated authentication platform through the network, and when the authentication is successful, the step S30 is executed; step S30, the self-service equipment acquires deposit receipt application information; step S40, the self-service device obtains the deposit receipt voucher number and sends the deposit receipt application information and the deposit receipt voucher number to a core accounting system through a network, the core accounting system performs deposit receipt opening, generates deposit receipt account information, and sends the deposit receipt account information to the self-service device.
In the scheme, after the user selects the deposit receipt to open the account on the self-service equipment, identity authentication is firstly needed, and after the identity authentication is passed, the deposit receipt can be stored and the account can be opened through the self-service equipment.
Preferably, step S10 is followed by: step S11, the self-service equipment acquires the existing account information of the user and verifies the password information, and when the existing account password information is verified successfully, the step S20 is executed; the step S20 is followed by the step S21, the self-service equipment acquires an account opening fund selection instruction, and when the account opening fund selection instruction is account transfer opening, the step S25 is executed; step S25, the self-service device transmits the acquired existing account information and the appointed amount to the core accounting system through the network, and the core accounting system records the appointed amount in the existing account into a temporary fund pool and transmits the temporary fund pool information to the self-service device; step S26 the self-service device displaying the temporary fund pool amount on the self-service device and displaying operation options; when the operation option acquired by the self-service device is handled by the user, the step S30 is executed, and the deposit receipt application information in the step S30 comprises deposit receipt amount and deposit receipt deposit period; the step S40 is then executed.
In the preferred embodiment, the source of funds in the deposit slip is funds in the user's existing account.
Preferably, the step S40 is followed by: step S50, the self-service device acquires a deposit receipt password and encrypts the deposit receipt password to generate encrypted data, and the self-service device sends the encrypted data to the core accounting system through the network; step S60, the core accounting system carries out periodical deposit operation according to the encrypted data, deposit receipt application information and temporary fund pool information; the fixed deposit operation comprises transferring the amount in the temporary fund pool to a deposit account according to the deposit amount; step S70, the core accounting system generates deposit receipt information according to the deposit receipt application information and the result of the periodical deposit operation and stores the deposit receipt information, wherein the deposit receipt information comprises deposit receipt printing content; step S80, the core accounting system sends the deposit receipt printing content to the self-service device through the network, and the self-service device prints and issues a paper deposit receipt according to the deposit receipt printing content; returning to step 26, the step S26 further includes displaying a service ending instruction on the self-service device, and when the self-service device receives the service ending instruction, the self-service device ends the service.
The preferred scheme realizes the regular deposit operation including fund transfer into the deposit receipt account and the final printing and issuing of the paper deposit receipt, and completely realizes the whole process of the complete self-service handling of the deposit receipt account.
Preferably, step S26 is followed by: step S261, when the operation option acquired by the self-service device is handled by another person, the self-service device acquires credential information of a principal, the self-service device performs principal identity authentication on the credential information of the principal to the integrated authentication platform through the network, and when the principal identity authentication is successful, step S30 is executed.
The preferred embodiment implements the function of transacting a deposit receipt account for another person, where the user certificate information and/or user identification information of the actual transactor is authenticated in step S20, and the certificate information of the deposit receipt account holder (i.e., principal) is authenticated in step S261. The scheme provides convenience for bank customers who are older and cannot operate self-service equipment or are inconvenient to handle the conditions of deposit receipt opening and the like.
Preferably, step S26 is followed by: step S262, when the operation option acquired by the self-service device is transfer recharging, the self-service device transmits the acquired existing account information and transfer recharging amount to the core accounting system through the network, the core accounting system records the transfer recharging amount in the existing account into a temporary fund pool, and the core accounting system transmits the temporary fund pool updating information to the self-service device; the amount in the updated temporary funds pool is displayed on the kiosk before returning to step S26.
The preferred scheme provides a transfer recharging function, when the first transfer amount is not enough in step S25, or a new deposit is opened after a regular deposit is opened and the fund is not enough, recharging to the temporary fund pool can be continued to meet the requirement.
Preferably, step S26 is followed by: step S263, when the operation option acquired by the self-service device is balance roll-out, the self-service device transmits the existing account information and the balance roll-out information to the core accounting system through the network, the core accounting system rolls out the balance in the temporary fund pool to the existing account, and the core accounting system transmits the temporary fund pool update information to the self-service device; displaying the amount of money in the updated temporary fund pool on the self-service equipment, and then returning to the step S26; step S26 further includes displaying a service ending instruction on the self-service device, and when the self-service device receives the service ending instruction, the self-service device ends the service.
The optimal scheme provides a balance transfer-out function, and when the user still has balance in the temporary fund pool after finishing deposit receipt opening or does not want to open an account, the fund in the temporary fund pool can be transferred back to the existing account into which the fund is transferred before.
Preferably, after step S70, the method further includes: step S75, the self-service device transmits the deposit receipt account number, the deposit receipt voucher number and the deposit receipt amount to a secrecy deposit machine and calls an API (application program interface) of the secrecy deposit machine to calculate, and the secrecy deposit machine outputs a secrecy deposit value to the self-service device; and step S80, the method further includes the step of performing a mortgage printing by the self-service device when the paper deposit receipt is printed.
In the preferred scheme, in order to further improve the safety of the deposit receipt, the deposit receipt is also provided with a secret deposit so as to facilitate the identification when the deposit receipt is taken subsequently.
The invention also provides a system for deposit receipt and account opening by using self-service equipment, which applies the method for deposit receipt and account opening by using self-service equipment, and the system comprises: the user input device is used for acquiring a deposit order account opening instruction and deposit order application information input by a user;
the certificate information acquisition device is used for acquiring the certificate information of the user;
user identification information acquisition means for acquiring user identification information;
the identity authentication device is used for authenticating the identity of the user through the network according to the user certificate information and the user identification information;
deposit the acquisition device of the bill, is used for obtaining the deposit receipt voucher number;
and the deposit receipt account opening device is used for sending the deposit receipt voucher number and the deposit receipt application information to a core accounting system through the network, and the core accounting system performs deposit receipt account opening to generate deposit receipt account information and sends the deposit receipt account information to the deposit receipt account opening device.
Preferably, the system for deposit and account opening by using self-service equipment further comprises: the existing account processing device is used for acquiring existing account information of a user and verifying existing account password information acquired through the user input device;
and the account opening fund processing device is used for transmitting the existing account information acquired by the existing account processing device and the specified amount of money acquired by the user input device to the core accounting system through a network when the account opening fund selection instruction acquired by the user input device is account transfer opening, and the core accounting system records the specified amount of money in the existing account into a temporary fund pool and transmits the temporary fund pool information to the account opening fund processing device.
Preferably, the system for deposit and account opening by using self-service equipment further comprises: the encryption device is used for encrypting the deposit receipt password input by the user and acquired by the user input device to generate encrypted data and sending the encrypted data to the core accounting system through a network;
the core accounting system carries out periodical deposit operation according to the encrypted data, the deposit receipt application information and the temporary fund pool information, generates deposit receipt information according to the deposit receipt application information and the periodical deposit operation result and stores the deposit receipt information, wherein the deposit receipt information comprises deposit receipt printing content;
and the deposit receipt printing and issuing device is used for receiving the deposit receipt printing content sent by the core accounting system through the network, and printing and issuing the paper deposit receipt according to the deposit receipt printing content.
The method and the system for deposit receipt and account opening by using self-service equipment can bring at least one of the following beneficial effects:
1. in the invention, the deposit receipt self-help account opening is adopted, so that the situation that the user queues up for a long time can be improved, the work efficiency and the service experience of the user are improved, the bank operation cost is reduced, and the efficiency of a network point is improved.
2. In the invention, the self-service handling of the regular deposit receipt is realized by using a man-machine conversation mode, the development of the man-machine conversation mode is promoted, and the industry is driven to be more intelligent.
3. In the invention, identity authentication is required before deposit receipt self-help account opening, including agent identity authentication and principal identity authentication, and is used for verifying the effective identity of a user and preventing illegal behaviors caused by embezzlement of other identity.
4. In the invention, the secret escort calculation is carried out on the account information, so that the account number, the amount of money and the voucher number are prevented from being tampered, the deposit receipt is ensured to be real and effective, and the benefit of a user is effectively guaranteed.
5. According to the invention, the services of the self-service equipment can be seamlessly butted and switched with the manual process, so that the efficiency is improved, and the user safety is better ensured.
Drawings
The above features, technical features, advantages and implementations of a method and system for deposit book opening using a self-service device will be further described in the following detailed description of preferred embodiments in a clearly understandable manner with reference to the accompanying drawings.
FIG. 1 is a flow diagram of one embodiment of a method of deposit book opening using a self-service device of the present invention;
FIG. 2 is a flow chart of another embodiment of a method of deposit order opening using a self-service device of the present invention;
FIG. 3 is a flow chart of another embodiment of a method of deposit book opening using a self-service device of the present invention;
FIG. 4 is a schematic diagram of the architecture of one embodiment of the deposit book opening system using self-service equipment of the present invention;
FIG. 5 is a schematic diagram of another embodiment of the deposit book opening system using self-service equipment according to the present invention;
FIG. 6 is a schematic diagram of the operation options displayed by the self-service device in the system for deposit receipt and account opening by the self-service device according to the present invention.
The reference numbers illustrate:
1-a user input device; 2-certificate information acquisition means; 3-a user identification information acquisition means; 4-an identity authentication device; 5-deposit list obtaining means; 6-deposit bill opening device; 7-core accounting system; 8-existing account handling means; 9-account opening fund processing device; 10-an encryption device; 11-deposit receipt print issuing apparatus.
Detailed Description
In order to more clearly illustrate the embodiments of the present invention or the technical solutions in the prior art, the following description will be made with reference to the accompanying drawings. It is obvious that the drawings in the following description are only some examples of the invention, and that for a person skilled in the art, other drawings and embodiments can be derived from them without inventive effort.
For the sake of simplicity, the drawings only schematically show the parts relevant to the present invention, and they do not represent the actual structure as a product. In addition, in order to make the drawings concise and understandable, components having the same structure or function in some of the drawings are only schematically illustrated or only labeled. In this document, "one" means not only "only one" but also a case of "more than one".
The invention provides an embodiment of a deposit receipt account opening method by using self-service equipment, and referring to fig. 1, the method comprises the following steps: step S10, the self-service equipment acquires the deposit receipt account opening instruction. Step S20, self-service equipment acquires user certificate information and/or user identification information, the self-service equipment carries out identity authentication on the user certificate information and/or the user identification information to the integrated authentication platform through a network, and when the authentication is successful, the step S30 is executed; step S30, self-service equipment acquires deposit receipt application information; step S40, the self-service device obtains the deposit receipt voucher number and sends the deposit receipt application information and the deposit receipt voucher number to the core accounting system through the network, the core accounting system performs deposit receipt opening, deposit receipt account information is generated, and the deposit receipt account information is sent to the self-service device.
Specifically, in this embodiment, after the user selects the deposit list account opening function (for example, a button or a touch screen selects an option of deposit list account opening) on the self-service device, the user identity authentication process is performed first. In the user identity authentication process, the user identification information comprises face information, iris information, fingerprint information and the like, and the user certificate information and the user identification information can be verified or only one of the user certificate information and the user identification information can be verified. The user certificate information and the user identification information are preferably verified to avoid falsifying certificates of others. For example, the identity card + face recognition by photographing, or the identity card + fingerprint recognition, etc., and certainly, if the security requirement is particularly high, the identity card + face recognition by photographing + fingerprint recognition + iris recognition + other recognition, etc., may be implemented. In this embodiment and the following embodiments, authentication and face recognition by photographing are adopted, and other modes are not described again. The system comprises a user, a second-generation identity card reader, an integrated authentication platform, an internet + identity authentication platform or a citizen identity information platform of a people bank, wherein the user places an identity card, the second-generation identity card reader scans and reads the identity card and takes a picture of the user, the read identity card and a taken picture of the user are sent to the integrated authentication platform through a network for networking and checking, the integrated authentication platform is one of bank subsystems and is used for storing human body biological characteristic information such as an iris, a fingerprint and a facial image of the user, identity information and certificate information of the user and the like, and an interface is also provided for connecting the internet + identity; if the current user identity is verified to be true and effective and does not belong to the bank blacklist user, and meanwhile, when the similarity between the photo in the read identity document and the shot user photo exceeds 90 percent (the value is not fixed and can be set according to needs, taking 90 percent as an example), the current user identity authentication is successful. If the identity card information is not matched with the photographed image, the authentication is not successful, and the next step cannot be carried out.
And after the identity authentication of the current user is successful, the user inputs deposit receipt application information. The deposit bill application information comprises deposit bill amount and deposit bill period input by the user; the method also comprises the name of the account opening person, the certificate number and the certificate type in the read user certificate information.
Assume that the user inputs deposit receipt application information a0 deposit receipt application information a0 including deposit receipt amount a01 and deposit period a 02. A stack of blank deposit slips is stored in the self-service equipment in advance, at the moment, the self-service equipment reads and OCR identifies a deposit slip certificate A1 of a blank deposit slip by utilizing a scanning device, and the certificate A1 corresponds to deposit slip application information A0. And then the deposit receipt application information and the deposit receipt voucher number are sent to a core accounting system of the bank (which is one of subsystems of the bank and is in charge of storing and processing various accounting information of the bank and is a key subsystem) through a network, the core accounting system performs deposit receipt opening, deposit receipt account information is generated, and the deposit receipt account information is sent to the self-service equipment. Suppose that the self-service equipment correspondingly generates deposit receipt account information A2 according to deposit receipt application information A0 and the deposit receipt.
On the basis of the above embodiment, the present invention further provides an embodiment, and with reference to fig. 2, after step S10, the method includes: step S11, the self-service equipment acquires the existing account information of the user and verifies the password information, and when the existing account password information is verified successfully, the step S20 is executed; step S20 is followed by step S21, the self-service equipment obtains an account opening fund selection instruction, and when the account opening fund selection instruction is account transfer opening, step S25 is executed; step S25, the self-service device transmits the acquired existing account information and the appointed amount to a core accounting system through a network, the core accounting system records the appointed amount in the existing account into a temporary fund pool and transmits the information of the temporary fund pool to the self-service device; step S26, the self-service device displays the temporary fund pool amount on the self-service device and displays operation options; when the operation option acquired by the self-service equipment is handled by the user, step S30 is executed, and the deposit receipt application information in step S30 comprises deposit receipt amount and deposit receipt deposit period; step S40 is then performed.
Specifically, in this embodiment, the user may open an account by transferring money through an existing account. The existing account information of the user can be obtained by reading a bank card, swiping a passbook, scanning a two-dimensional code, swiping an intelligent device, or the like, so as to obtain various existing accounts of the user, such as a bank account, a payment treasure, a WeChat Payment, an APPLEPAY, or the like. The embodiment and the following embodiments take a bank card as an example, and other modes are not described again. After a user selects a deposit list account opening function on the self-service equipment, reading an existing bank card and inputting a password of the bank card; after the password verification is passed (the password verification is the existing password verification, and the specific process is not described in detail), the current user identity authentication process in the above embodiment is performed. After the identity authentication of the current user is successful, the user selects an account opening fund mode on the self-service equipment, when account is opened for transferring accounts, the user inputs the fund amount (namely the appointed amount) required for opening the account, the self-service equipment transmits the acquired existing account information and the appointed amount to the core accounting system through the network, and the core accounting system records the appointed amount in the existing account into the temporary fund pool and transmits the temporary fund pool information to the self-service equipment. The self-service device displays the temporary fund pool amount on the self-service device and displays the operation options. The operation options displayed by the self-service device are shown in fig. 6, and this step is a key step and is the starting point of the subsequent branch operation. When the operation option acquired by the self-service device is handled by the user, the user inputs deposit receipt application information, the deposit receipt application information includes deposit receipt amount and deposit receipt deposit period, and the subsequent steps are the same as those in the previous embodiment and are not described again.
It should be noted that "self-transacting" is only a description, and the present disclosure also provides the process of transacting by others, and is expressed as "self-transacting" for the sake of distinction. It will be understood by those skilled in the art that "continue transaction" or "next step" or similar functions are equally possible and are within the scope of the present disclosure.
In another preferred implementation manner of this embodiment, step S40 is followed by further comprising: step S50, the self-service device acquires the deposit receipt password and encrypts the deposit receipt password to generate encrypted data, and the self-service device sends the encrypted data to the core accounting system through the network; step S60, the core accounting system carries out the deposit operation according to the encrypted data, the deposit bill application information and the temporary fund pool information; the fixed-term deposit operation comprises transferring the amount of money in the temporary fund pool to a deposit account according to the deposit amount; step S70, the core accounting system generates deposit receipt information according to the deposit receipt application information and the result of the periodical deposit operation and stores the deposit receipt information, wherein the deposit receipt information comprises deposit receipt printing content; step S80, the core accounting system sends the deposit receipt printing content to the self-service device through the network, and the self-service device prints and issues a paper deposit receipt according to the deposit receipt printing content; returning to step 26, i.e., the step of displaying the operation options, step S26 further includes displaying an end-of-service instruction on the kiosk, and the kiosk ending the service when the kiosk receives the end-of-service instruction.
Specifically, after S40 (i.e., the core accounting system performs deposit billing, generates deposit billing account information, and sends the deposit billing account information to the self-service device), the user sets a deposit billing password for the deposit billing on the self-service device, and then encrypts the deposit billing password input by the user. The encryption algorithm uses, for example, 3DES (Triple Data encryption algorithm) or national encryption algorithm, and the present disclosure does not limit the encryption algorithm. And after encryption is completed, pushing the encrypted data to a core accounting system. And the core accounting system carries out periodical deposit operation according to the encrypted data, the deposit receipt application information and the temporary fund pool information, wherein the operation comprises transferring funds corresponding to the deposit receipt amount from the temporary fund pool to the deposit receipt account. And after the funds are successfully transferred into the deposit receipt account from the temporary fund pool, the core accounting system generates deposit receipt information containing deposit receipt printing contents for each deposit receipt and stores the deposit receipt information, and sends the deposit receipt printing contents to the self-service equipment. The self-service device calls a Print printing method according to a WOSA (Windows Open System architecture) protocol to perform deposit receipt printing according to deposit receipt printing contents received from the core accounting system. The deposit receipt print content defines the elements to be printed and the positions of the elements to be printed. The content of the printing elements can comprise an account number, a secret deposit, a client name, a deposit receipt amount, a deposit period, an interest rate, an account opening date, a rest starting date, a rest arriving date, a drawing mode, a transfer mode and an account opening row name. And after printing is finished, issuing a paper deposit receipt and prompting a customer to take away the deposit receipt. And then returns to step 26, which is the step of displaying the operation options. At this time, if there is still money in the temporary fund pool, the user can choose to transact himself or transact others (detailed in the embodiment following the specific transacting process of others) again to open the account for a deposit slip, and then go through steps S30-S80. If the amount of the temporary fund pool is 0 but a deposit is opened, a transfer recharge (detailed in the subsequent embodiment of the transfer recharge process) can be selected. In this step 26, an end-of-service instruction is also displayed on the self-service device, and when the user selects the end-of-service instruction, the self-service device ends service. The instruction for ending the service can have an instruction option for ending the service at each step in the whole operation process, and when the user selects the instruction for ending the service, the self-service equipment ends the service. In the whole operation process, the previous step option can be returned to the previous step.
The deposit receipt information comprises an account number, an interest rate and an expiration date generated by the core accounting system, deposit receipt amount in deposit receipt application information obtained by the core accounting system from the self-service equipment, a deposit period, an account issuer name (from the self-service equipment for reading identity information), account issuer information, an account opening date and a rest date determined by the core accounting system according to the account opening time, and a default collection mode (for example, collection by a password) and a transfer mode (for example, automatic transfer). Each self-service device has a fixed account opening row number (i.e. account opening row information), the number is stored in the self-service device, and when the self-service device sends the deposit receipt application information to the core accounting system, the account opening row number is sent at the same time.
On the basis of the above embodiment, the present invention further provides an embodiment, and with reference to fig. 3, after step S26, the method includes: step S261, when the operation option acquired by the self-service device is handled by another person, the self-service device acquires the credential information of the principal, the self-service device performs principal identity authentication on the credential information of the principal to the integrated authentication platform through the network, and when the principal identity authentication is successful, step S30 is executed.
Specifically, in this embodiment, how to perform the steps handled by others is described. Before, after funds in an existing bank card are transferred into a temporary fund pool according to user operation, when a user selects others to handle in operation options of self-service equipment, the user needs to perform principal (namely an issuer for deposit receipt and opening an account), the user places a principal identity document, a second-generation identity card reader scans and reads the principal identity document again, the principal identity document is sent to an integrated authentication platform through a network for network verification, and if the principal identity document is verified to be real and effective and does not belong to a bank blacklist user, the principal identity authentication is successful. If the previous option was self-transacting, the process of principal identity authentication is skipped. Then, the user inputs the deposit receipt application information, and the subsequent steps are the same as those in the previous embodiment and are not described again.
In another preferred implementation of this embodiment, step S26 is followed by: step S262, when the operation option acquired by the self-service device is transfer recharging, the self-service device transmits the acquired existing account information and transfer recharging amount to the core accounting system through the network, the core accounting system records the transfer recharging amount in the existing account into the temporary fund pool, and the core accounting system transmits the updating information of the temporary fund pool to the self-service device; the amount in the updated temporary funds pool is displayed on the kiosk before returning to step S26.
Specifically, in this embodiment, whether the previous step is performed for the first time to step S26 or the previous step is returned to step S26 through other operations, the kiosk displays operation options, and when the user further wishes to continue to add funds to the temporary fund pool, the user may select to transfer the additional funds to the temporary fund pool. After entering a transfer recharging process, inputting the fund amount (namely the transfer recharging amount) to be added by a user, transmitting the obtained existing account information and the obtained transfer recharging amount to a core accounting system by the self-service equipment through a network, recording the transfer recharging amount in the existing account into a temporary fund pool by the core accounting system, and transmitting the updating information of the temporary fund pool to the self-service equipment by the core accounting system; the amount in the updated temporary fund pool is displayed on the kiosk, and then returning to step S26 where the kiosk displays operational options, the user may choose how to operate subsequently.
On the basis of the above embodiment, the present invention also provides an embodiment: step S26 is followed by: step S263, when the operation option acquired by the self-service device is balance transfer-out, the self-service device transmits the existing account information and the balance transfer-out information to the core accounting system through the network, the core accounting system transfers the balance in the temporary fund pool to the existing account, and the core accounting system transmits the updating information of the temporary fund pool to the self-service device; the amount in the updated temporary funds pool is displayed on the kiosk before returning to step S26.
Specifically, in this embodiment, whether the previous step is performed to step S26 for the first time or the previous step is returned to step S26 through other operations, the self-service device displays an operation option, and when the temporary fund pool still contains a balance, but the user does not want to open the deposit slip any more or the balance is not enough to open the deposit slip, the user may transfer out the fund. When a user selects balance transfer-out, the self-service equipment transmits the existing account information and the balance transfer-out information to a core accounting system through a network, the core accounting system transfers the balance in the temporary fund pool to the existing account, and the core accounting system transmits the updating information of the temporary fund pool to the self-service equipment; the amount in the updated temporary funds pool is displayed on the kiosk before returning to step S26.
In addition, if the user forgets to transfer the balance or finishes the service in the midway of account opening, when the balance remains in the temporary fund pool at the moment, the user can only temporarily stay in the temporary fund pool, and the subsequent user applies to a bank counter to take out the balance or transfer the balance to a certain account.
On the basis of the above embodiment, the present invention also provides an embodiment: step S70 is followed by: step S75, the self-service device transmits the deposit receipt account number, the deposit receipt voucher number and the deposit receipt amount to the secrecy deposit machine and calls an API (application program interface) of the secrecy deposit machine to calculate, and the secrecy deposit machine outputs a secrecy deposit value to the self-service device; and step S80, further includes the self-service device performing the mortgage printing when printing the paper deposit receipt.
Specifically, in this embodiment, the self-service device sends the voucher number, the amount of money, and the deposit receipt account number fed back by the core accounting system to the escrow machine, and the escrow machine calls an API (Application Programming Interface) to perform calculation, generates deposit receipt escrow values (each deposit receipt corresponds to its own deposit receipt escrow value), and feeds back the deposit receipt escrow values to the self-service device. The self-service device also includes a tamp print when printing the paper deposit slip.
The invention also provides a system for deposit receipt and account opening by using self-service equipment, which comprises the following components in part by weight with reference to fig. 4: the system comprises a user input device 1 and a user input device 1, wherein the user input device 1 is used for acquiring a deposit list account opening instruction and deposit list application information input by a user; the certificate information acquisition device 2 is used for acquiring the certificate information of the user; user identification information acquisition means 3 for acquiring user identification information; the identity authentication device 4 is used for authenticating the identity of the user through the network according to the user certificate information and the user identification information; deposit receipt obtaining means 5 for obtaining a deposit receipt voucher number; and the deposit receipt account opening device 6 is used for sending the deposit receipt voucher number and the deposit receipt application information to the core accounting system 7 through the network, and the core accounting system 7 performs deposit receipt account opening to generate deposit receipt account information and sends the deposit receipt account information to the deposit receipt account opening device 6.
Specifically, in this embodiment, the self-service device is provided with a user input device, a certificate information acquisition device, a user identification information acquisition device, an identity authentication device, a deposit receipt acquisition device, and a deposit receipt account opening device. The user input device is used for acquiring various instructions and information input by a user, and the various instructions and information include deposit receipt opening instructions, deposit receipt application information, password information of existing accounts and deposit receipts, deposit receipt fund selection instructions, specified money amount, selection of operation options, service ending instructions and the like. The user input device may include a touch screen, a keyboard or other input devices in hardware, or may have two or more input devices at the same time. It should be understood that the implementation of the user input device not only includes the input device, but also requires related devices, circuits, and corresponding software and settings for signal transmission, control, and the like. The touch screen accepts user input based on tactile and/or tactile contact. The touch screen forms a touch sensitive surface that accepts user input. The touch screen detects contact on the touch screen and transforms the detected contact into interaction with user interface objects, such as soft keys, displayed on the touch screen. In one exemplary embodiment, the point of contact between the touch screen and the user corresponds to a finger of the user. The touch screen may use LCD (liquid crystal display) technology or LPD (light emitting polymer display) technology, but in other embodiments other display technologies may be used. The touch screen may detect contact and movement or breaking thereof using any of a number of touch sensitive technologies, including but not limited to capacitive, resistive, infrared, and surface acoustic wave technologies, as well as other proximity sensor arrays, or other technologies for determining a point of contact with the touch screen. Other input devices may include physical keys (e.g., press keys, rocker keys, etc.), a mouse, and a keyboard, among others.
The certificate information acquisition device can be realized by a second-generation certificate reader on hardware. It should be understood that the device for acquiring the certificate information not only includes the second-generation certificate reader, but also needs related devices, circuits, corresponding software, settings and the like for signal transmission, control and the like. The second generation card reader is equipment capable of judging whether an identity card is forged or not, like a currency detector, the second generation card reader can effectively identify the authenticity of the identity card, the second generation card contains a Radio Frequency Identification (RFID) chip, information stored in the identity card chip, including names, addresses, pictures and the like, can be read one by one, the second generation card chip adopts a smart card technology and is matched with the second generation identity card reader, all information of the second generation resident identity card can be read and inquired, and the authenticity of the second generation resident identity card is verified.
The user identification information acquisition device can be realized by a camera, a fingerprint collector, iris identification equipment and the like on hardware. It should be understood that the certificate information acquisition device not only includes a camera, a fingerprint collector, an iris recognition device, etc., but also needs related devices, circuits, corresponding software and settings, etc., such as corresponding signal transmission, control, etc.
The deposit receipt acquiring device can be realized by a bill scanner on hardware. It should be understood that the deposit receipt acquiring device is realized by not only the bill scanner, but also relevant devices, circuits, corresponding software, settings and the like for signal transmission, control and the like. The bill scanner is a system for scanning and identifying paper document data such as common forms and bills, and utilizes an OCR (Optical Character Recognition) technology to quickly complete information acquisition of the forms and the bills and scan and identify key information such as codes, numbers, dates and amounts of the bills.
The hardware of the identity authentication device and the deposit receipt account opening device can be realized by the hardware comprising a central processing unit, a memory and a communication module. It should be understood that the implementation of the identity authentication device and the deposit receipt account opening device not only includes the above-mentioned hardware, but also requires related devices and circuits such as corresponding signal transmission and power supply, and corresponding software and settings. The central processor runs various software programs and/or sets of instructions stored in memory to perform the various functions of the self-service device and processes the data. The memory may include high speed random access memory and may also include non-volatile memory, such as a magnetic disk storage device, a flash memory device, or other non-volatile solid state storage device. The communication module communicates with other devices (e.g., a core accounting system) by wire or wirelessly, and it also includes various software components for processing data. The integrated certification platform and the core accounting system hardware can be realized by one or more servers. Firstly, a user input device acquires a deposit receipt account opening instruction input by a user, a certificate information acquisition device acquires user certificate information, a user identification information acquisition device acquires user identification information, an identity authentication device carries out user identity authentication on the user certificate information and the user identification information to an integrated authentication platform through a network, after the user identity authentication is successful, the user input device acquires deposit receipt application information, the deposit receipt acquisition device acquires a deposit receipt certificate number, the deposit receipt account opening device sends the deposit receipt application information and the deposit receipt certificate number to a core accounting system through the network, the core accounting system carries out deposit receipt account opening, deposit receipt account information is generated, and the deposit receipt account information is sent to the deposit receipt account opening device. The specific workflow of the system for deposit and account opening by using the self-service device in this embodiment can refer to the steps described in the previous method, and these steps are applied to the present system.
The invention also provides a system for deposit receipt and account opening by using self-service equipment, and referring to fig. 5, the system further comprises: existing account processing means 8 for acquiring existing account information of the user and verifying existing account password information acquired through the user input means; and the account opening fund processing device 9 is used for, when the account opening fund selection instruction acquired by the user input device 1 is account transfer opening, according to the existing account information acquired by the existing account processing device 8 and the specified amount of money acquired by the user input device 1, recording the specified amount of money in the existing account into the temporary fund pool, and transmitting the information of the temporary fund pool to the core accounting system 7 through the network.
Specifically, in this embodiment, the existing account processing device may be implemented by a magnetic stripe card reader or an ic (integrated circuit) card reader. It should be understood that the existing account processing device is implemented not only by a magnetic stripe card reader or an IC card reader, but also by related devices and circuits for signal transmission, control and the like, and corresponding software and settings. The magnetic stripe card reader is used for reading an existing account with a magnetic stripe, and the IC card reader is used for reading an existing account with an IC chip. The fund processing device for opening an account can be realized by a central processing unit, a storage and a communication module on hardware. The existing account processing device acquires existing account information of a user, the user input device acquires password information of the existing account, and when an opening fund selection instruction acquired by the user input device is account transfer opening, the opening fund processing device records specified amount of money input by the user and acquired by the user input device into a temporary fund pool from the existing account and transmits the information of the temporary fund pool to the core accounting system through a network. The specific workflow of the system for deposit and account opening by using the self-service device in this embodiment can refer to the steps described in the previous method, and these steps are applied to the present system.
In another preferred embodiment of this embodiment, the method further includes: an encryption device 10, configured to encrypt the deposit receipt password input by the user, which is obtained by the user input device 1, to generate encrypted data, and send the encrypted data to the core accounting system 7 through the network; the core accounting system 7 performs a periodical deposit operation according to the encrypted data, deposit receipt application information and temporary fund pool information, generates deposit receipt information according to the deposit receipt application information and a periodical deposit operation result, and stores the deposit receipt information, wherein the deposit receipt information comprises deposit receipt printing content; and a deposit receipt print-issuing means 11 for receiving the deposit receipt print contents sent from the core accounting system 7 through the network, and printing and issuing the paper deposit receipt according to the deposit receipt print contents. The specific workflow of the system for deposit and account opening by using the self-service device in this embodiment can refer to the steps described in the previous method, and these steps are applied to the present system.
Specifically, in this embodiment, the encryption device may be implemented by a central processing unit, a memory, and a communication module. It should be understood that the implementation of the encryption apparatus includes not only the above-mentioned hardware, but also the relevant devices, circuits, and corresponding software and settings for signal transmission and power supply. The deposit receipt printing and issuing device can be realized by a bill printer on hardware. It should be understood that the deposit receipt printing and issuing device includes not only the above-mentioned bill printer, but also relevant devices, circuits, corresponding software and settings, etc. for signal transmission and power supply. The encryption device encrypts a deposit receipt password input by a user and acquired by the user input device to generate encrypted data, and sends the encrypted data to the core accounting system through a network, the core accounting system performs a periodical deposit operation according to the encrypted data, deposit receipt application information and temporary fund pool information, generates and stores deposit receipt information including deposit receipt printing contents according to the deposit receipt application information and a periodical deposit operation result, and the deposit receipt printing and issuing device receives the deposit receipt information including the deposit receipt printing contents and sent by the core accounting system through the network, and prints and issues a paper deposit receipt according to the deposit receipt printing contents.
Specifically, in the method of the present invention, an example of a typical application scenario is described as follows:
1. a user A selects a deposit list on the self-service equipment to open an account;
2. the user A inserts the existing bank card and inputs the bank card password;
3. the user A inserts the own identity card and takes a picture of the face to carry out identity authentication;
4. after the identity authentication of the user A is successful, the user A selects transfer account on the self-service equipment to open an account;
5. the user A selects the transfer amount to be 10 ten thousand yuan on the self-service equipment, the self-service equipment transfers 10 ten thousand yuan from the bank card to the temporary fund pool, and the self-service equipment displays that the fund of the temporary fund pool is 10 ten thousand yuan;
6. the user A selects other people to handle in the operation options of the self-service equipment, and then needs to insert or place the identity card of the client B for identity authentication;
7. the user A inputs a deposit receipt application A on the self-service equipment, wherein the deposit receipt application A is 5 ten thousand yuan and the deposit period is 1 year;
8. the self-service equipment reads the voucher numbers of 1 blank deposit receipt and respectively corresponds to the deposit receipt applications;
9. after receiving the deposit receipt application and the voucher number, the core accounting system generates a deposit receipt account number which respectively corresponds to the deposit receipt application;
10. after receiving the deposit receipt account, the self-service equipment prompts a user to input a password for deposit receipt application A, encrypts the password and sends the encrypted password to the core accounting system;
11. the core accounting system transfers 5 ten thousand yuan from the temporary fund pool to a deposit receipt application A and completes other necessary periodical deposit operation;
12. the core accounting system generates deposit receipt information according to the deposit receipt application information and the periodic deposit operation result and stores the deposit receipt information, wherein the deposit receipt information comprises deposit receipt printing contents; the specific content of the deposit receipt information is account number, interest rate, expiration date, secret deposit, account opening row information, account opening date, rest date, arrival date, a collection mode, a transfer mode and the like corresponding to the deposit receipt.
13. And the core accounting system sends the deposit receipt printing content to the self-service equipment through the network.
14. After the self-service equipment receives the deposit receipt printing content, printing a paper deposit receipt according to the deposit receipt printing content, and sending the paper deposit receipt to a user;
15. and at the moment, the self-service equipment returns to the interface of the displayed operation options, the balance in the temporary fund pool is 5 ten thousand yuan, the user A can transact a deposit list for himself or continuously transact the deposit list by others, or continuously charge the temporary fund pool by transferring money, or transfer out the balance for transferring the residual amount of 5 ten thousand yuan of the fund in the temporary fund pool to the bank card.
Those of ordinary skill in the art will understand that: all or part of the steps for implementing the method embodiments may be implemented by hardware related to program instructions, where the program may be stored in a readable storage medium, and when executed, the program performs the steps including the method embodiments; and the aforementioned storage medium includes: various media that can store program codes, such as ROM, RAM, magnetic or optical disks.
It should be noted that, the information interaction, execution process, and other contents between the modules in the system are based on the same concept as the method embodiment, and specific contents may refer to the description in the method embodiment of the present invention, and are not described herein again.
It should be noted that the above embodiments can be freely combined as necessary. The foregoing is only a preferred embodiment of the present invention, and it should be noted that, for those skilled in the art, various modifications and decorations can be made without departing from the principle of the present invention, and these modifications and decorations should also be regarded as the protection scope of the present invention.
Claims (6)
1. A method for deposit receipt and account opening by using self-service equipment is characterized by comprising the following steps:
step S10, the self-service equipment acquires a deposit order account opening instruction;
step S20, the self-service device acquires user certificate information and/or user identification information, the self-service device authenticates the user certificate information and/or the user identification information to the integrated authentication platform through the network, and when the authentication is successful, the step S30 is executed;
step S30, the self-service equipment acquires deposit receipt application information;
step S40, the self-service device acquires the deposit receipt voucher number and sends the deposit receipt application information and the deposit receipt voucher number to a core accounting system through a network, the core accounting system performs deposit receipt opening, generates deposit receipt account information and sends the deposit receipt account information to the self-service device;
wherein the step S10 is followed by:
step S11, the self-service equipment acquires the existing account information of the user and verifies the password information, and when the existing account password information is verified successfully, the step S20 is executed;
said step S20 is followed by the step of including,
step S21, the self-service equipment obtains an account opening fund selection instruction, and when the account opening fund selection instruction is a transfer account opening, step S25 is executed;
step S25, the self-service device transmits the acquired existing account information and the appointed amount to the core accounting system through the network, and the core accounting system records the appointed amount in the existing account into a temporary fund pool and transmits the temporary fund pool information to the self-service device;
step S26 the self-service device displaying the temporary fund pool amount on the self-service device and displaying operation options;
when the operation option acquired by the self-service device is handled by the user, the step S30 is executed, and the deposit receipt application information in the step S30 comprises deposit receipt amount and deposit receipt deposit period;
then the step S40 is executed;
the step S40 is further followed by:
step S50, the self-service device acquires a deposit receipt password and encrypts the deposit receipt password to generate encrypted data, and the self-service device sends the encrypted data to the core accounting system through the network;
step S60, the core accounting system carries out periodical deposit operation according to the encrypted data, deposit receipt application information and temporary fund pool information; the fixed deposit operation comprises transferring the amount in the temporary fund pool to a deposit account according to the deposit amount;
step S70, the core accounting system generates deposit receipt information according to the deposit receipt application information and the result of the periodical deposit operation and stores the deposit receipt information, wherein the deposit receipt information comprises deposit receipt printing content;
step S80, the core accounting system sends the deposit receipt printing content to the self-service device through the network, and the self-service device prints and issues a paper deposit receipt according to the deposit receipt printing content;
returning to step S26, step S26 further includes displaying a service ending instruction on the self-service device, and when the self-service device receives the service ending instruction, the self-service device ends the service.
2. The deposit book opening method by using self-service equipment according to claim 1, wherein the step S26 is followed by:
step S261, when the operation option acquired by the self-service device is handled by another person, the self-service device acquires credential information of a principal, the self-service device performs principal identity authentication on the credential information of the principal to the integrated authentication platform through the network, and when the principal identity authentication is successful, step S30 is executed.
3. The deposit book opening method by using self-service equipment according to claim 1, wherein the step S26 is followed by:
step S262, when the operation option acquired by the self-service device is transfer recharging, the self-service device transmits the acquired existing account information and transfer recharging amount to the core accounting system through the network, the core accounting system records the transfer recharging amount in the existing account into a temporary fund pool, and the core accounting system transmits the temporary fund pool updating information to the self-service device; the amount in the updated temporary funds pool is displayed on the kiosk before returning to step S26.
4. The deposit book opening method by using self-service equipment according to claim 1, wherein the step S26 is followed by further comprising:
step S263, when the operation option acquired by the self-service device is balance roll-out, the self-service device transmits the existing account information and the balance roll-out information to the core accounting system through the network, the core accounting system rolls out the balance in the temporary fund pool to the existing account, and the core accounting system transmits the temporary fund pool update information to the self-service device; displaying the amount of money in the updated temporary fund pool on the self-service equipment, and then returning to the step S26;
step S26 further includes displaying a service ending instruction on the self-service device, and when the self-service device receives the service ending instruction, the self-service device ends the service.
5. The deposit book opening method by using self-service equipment according to claim 1, wherein the step S70 is followed by further comprising:
step S75, the self-service device transmits the deposit receipt account number, the deposit receipt voucher number and the deposit receipt amount to a secrecy deposit machine and calls an API (application program interface) of the secrecy deposit machine to calculate, and the secrecy deposit machine outputs a secrecy deposit value to the self-service device;
and step S80, the method further includes the step of performing a mortgage printing by the self-service device when the paper deposit receipt is printed.
6. A system for deposit receipt and account opening by using self-service equipment is characterized by comprising:
the user input device is used for acquiring a deposit order account opening instruction and deposit order application information input by a user;
the certificate information acquisition device is used for acquiring the certificate information of the user;
user identification information acquisition means for acquiring user identification information;
the identity authentication device is used for authenticating the identity of the user through the network according to the user certificate information and the user identification information;
deposit the acquisition device of the bill, is used for obtaining the deposit receipt voucher number;
the deposit receipt account opening device is used for sending the deposit receipt voucher number and the deposit receipt application information to a core accounting system through the network, the core accounting system performs deposit receipt account opening to generate deposit receipt account information, and the deposit receipt account information is sent to the deposit receipt account opening device;
the existing account processing device is used for acquiring existing account information of a user and verifying existing account password information acquired through the user input device;
the account opening fund processing device is used for transmitting the existing account information acquired by the existing account processing device and the specified amount of money acquired by the user input device to the core accounting system through a network when the account opening fund selection instruction acquired by the user input device is account transfer opening, and the core accounting system records the specified amount of money in the existing account into a temporary fund pool and transmits the temporary fund pool information to the account opening fund processing device;
the encryption device is used for encrypting the deposit receipt password input by the user and acquired by the user input device to generate encrypted data and sending the encrypted data to the core accounting system through a network;
the core accounting system carries out periodical deposit operation according to the encrypted data, the deposit receipt application information and the temporary fund pool information, generates deposit receipt information according to the deposit receipt application information and the periodical deposit operation result and stores the deposit receipt information, wherein the deposit receipt information comprises deposit receipt printing content;
and the deposit receipt printing and issuing device is used for receiving the deposit receipt printing content sent by the core accounting system through the network, and printing and issuing the paper deposit receipt according to the deposit receipt printing content.
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| CN108961046A (en) * | 2018-08-09 | 2018-12-07 | 南京怡化信息技术有限公司 | A kind of deposit receipt is opened an account management system and method |
| CN109887195A (en) * | 2019-03-17 | 2019-06-14 | 中国建设银行股份有限公司 | A kind of operating method and system of self-help teller machine |
| CN110047026A (en) * | 2019-03-29 | 2019-07-23 | 初建刚 | A kind of auth method with the self-oriented processing business of agent in person |
| CN110782239A (en) * | 2019-10-08 | 2020-02-11 | 深圳市证通电子股份有限公司 | Real estate transaction data conversion method, terminal and readable storage medium |
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