CN108648070A - A kind of cash temporary storage management method and system - Google Patents
A kind of cash temporary storage management method and system Download PDFInfo
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- CN108648070A CN108648070A CN201810473270.2A CN201810473270A CN108648070A CN 108648070 A CN108648070 A CN 108648070A CN 201810473270 A CN201810473270 A CN 201810473270A CN 108648070 A CN108648070 A CN 108648070A
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- G—PHYSICS
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- 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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Abstract
The present invention discloses a kind of cash temporary storage management method and system, includes the following steps：Client establishes interim cash account in the equipment for having spot assets function by customer information；The cash of carrying is placed into cash equipment and keeps accounts in interim cash account by client；The secure authentication information of interim cash account is arranged in client；When client is by the different windows transacting business of interim cash account to bank outlets, the teller of business sales counter is withholdd by interim cash account helps client's transacting business in operation system.The method of the present invention is simple and convenient, operation is simple, safe and reliable, avoids the inconvenience that client carries cash during transacting business, larger convenience and safety are provided for client.
Description
Technical field
The present invention relates to a kind of cash management methodologies, and in particular to a kind of cash temporary storage management method and system.
Background technology
Financial institution, especially bank, business sales counter are divided into high cube container and lowboy.Wherein, high cube container, which is mainly handled, is related to cash
Business, lowboy mainly handles no cash transaction, such as financing etc..It is required according to relevant national standard, the sales counter structure of high cube container
And glass is required for reaching explosion-proof criteria, therefore deployment cost is higher；Simultaneously as being related to monetary transaction, daily morning is needed
Evening carries out cash and escorts, and is required for checking cash before bank business and after business, expend a large amount of manpower at
This.Therefore, personnel are freed from monetary transaction in no high cube container and are engaged in opening up for no cash transaction by the reform of bank
Exhibition.
On the other hand, most of the time, client carries cash when removing bank's transacting business, it usually needs handle it is a variety of not
Same business.For example, client carries 100,000 yuan of cashes to bank, finance product may be bought with 80,000 yuan, 1000 yuan are used for supplementing with money
Or payment, remaining money are stored in bank card account；Client just needs to handle respectively to different window or terminal with cash
Different business, this method are clearly cumbersome, dangerous, inconvenient.Even if handling a business, client is in business
Buckets of cash is carried in waiting process, is also not easy to the different spaces activity in bank or understanding other information.
Invention content
Goal of the invention：Present invention aims at a kind of operation simple and convenient in view of the deficiencies of the prior art, is provided, safety can
It leans on, is at low cost, efficient cash temporary storage management method and system.
Technical solution：Cash temporary storage management method of the present invention, client have spot assets function specific unit
Equipment on the cash of carrying is temporarily stored in cash equipment to and is generated interim cash account, client is existed by interim cash account
The business sales counter transacting business of specific unit.
Above-mentioned technical proposal is further improved, the specific unit is bank.
Further, include the following steps：
Client establishes interim cash account in the equipment for having spot assets function by customer information；
The cash of carrying is placed into cash device memory to enter in interim cash account；
Secure authentication information is set；
The teller of business sales counter is withholdd by interim cash account helps client's transacting business in operation system.
Further, the customer information is the ID card information of client or existing bank card account information.
Further, the secure authentication information is biological information or encrypted message.
Further, the teller of the business sales counter accesses the interim cash account of client by customer information.
Further, when the teller of the business sales counter is withholdd by interim cash account, client needs to test by safety
Card information is verified.
Further, interim cash account and operation system carry out information exchange one of in the following way：
（1）Interim cash account management module is arranged in operation system, information exchange is carried out in system；
（2）Interim cash account management module is independently arranged at except operation system, and one of under type such as is selected to be handed over
Mutually：
（a）Manual interaction method：When operation system needs the amount of money transacting business using the interim cash account of client, teller first visits
It asks interim cash account management module, after secure authentication information, deducts client's cash account, then handled in operation system
Business；
（b）Immediate data interacts method：The client's cash account data and secure authentication information number in cash account management module
According to open to operation system, directly verified by operation system and deduct client's cash account；
（c）Application interface interacts method：Interim cash account management module and operation system two systems are defined into interactive interface, pressed
Interface specification carries out information exchange；When operation system handles client traffic, first passes through interface and send a request to interim cash account
Family management module, interim cash account management module deducts client's cash account after receiving request, and returns the result；
（d）API Calls interact method：Verification information is opened by interim cash account management module and API approach of withholing gives business system
System, in operation system processing business, first call the API approach that interim cash account management module opens carry out safety verification with
It withholds processing, then transacting business.
The present invention also provides a kind of cash temporary storage management systems, including have spot assets function equipment and cash it is temporary
Management software；The cash temporary storage management software includes,
Authentication module for verifying identity information, and allows teller or operation system to access；
Secure verification module for verifying security information, and allows teller or operation system to access；
Interim cash account management module, for establishing interim cash account according to the identity information of client, to interim cash account
User data is managed, and teller or operation system is allowed to access.
Above-mentioned technical proposal is further improved, the authentication module includes identity card reader or card reader；Institute
It includes biological characteristic reading device or encrypted message input unit to state secure verification module.
Advantageous effect：（1）By way of being kept in cash and generating interim cash account, client passes through interim the present invention
Cash account goes bank's different windows to handle different business；This method is simple and convenient, operation is simple, safe and reliable, avoids
Client carries the inconvenience of cash during transacting business, and larger convenience and safety are provided for client.
（2）The present invention realizes the temporary and management of cash by interim cash account, is tested by customer information and safety
Information is demonstrate,proved to ensure the safety of interim cash account, is effectively guaranteed the safe and reliable of the interim cash account of client.
（3）The mode that the present invention uses the equipment for having spot assets function and lowboy sales counter to be combined handles industry for client
Business, reduces the use of bank's high cube container sales counter, saves manpower and materials, reduce cost, improve the effect of client's transacting business
Rate, while also ensuring the quality of service.
Specific implementation mode
Technical solution of the present invention is described in detail below, but protection scope of the present invention is not limited to the implementation
Example.
Embodiment 1：A kind of cash temporary storage management method, is realized by the way of intelligent cash box；The intelligent cash box has
Deposit boxes, deposit module, touch display screen, identity card reader and refer to vein instrument, the deposit module has the knowledge of currency type value of money
Not, sorting and counterfeit identifying function are checked.Specific implementation mode is as follows：
Client establishes interim cash account in intelligent cash box by customer information：The customer information is that the identity card of client is believed
It ceases, after the ID card information of the identity card reader identification client of intelligent cash box, generates interim cash account.
The cash of carrying is placed into the deposit boxes of intelligent cash box and is stored in interim cash account by client；
The finger vein of client is set so that secure authentication information is arranged by referring to vein instrument；
Client goes the different windows transacting business of bank outlets, the teller of business sales counter to pass through client's by interim cash account
Identity card accesses the interim cash account of client, and after the completion of customer authentication refers to venous information, interim cash account completion is withholdd,
It is client's transacting business in operation system.For example one 200 yuan of fee payment service is handled, the teller of business sales counter passes through client's
After the completion of the finger venous information of identity card and verification client, one 200 yuan of cash is deducted from the interim cash account of client
Account handles fee payment service in operation system.
A kind of cash temporary storage management system, including intelligent cash box, cash temporary storage management software, the cash temporary storage management are soft
Part includes authentication module, secure verification module and interim cash account management module.The authentication module is for testing
The identity information of client is demonstrate,proved, and teller is allowed to access；In the present embodiment, authentication module is identity card reader.Institute
Secure verification module is stated for verifying security information, and teller is allowed to access；In the present embodiment, secure verification module is to refer to
Vein instrument.The interim cash account management module, for establishing interim cash account according to the identity information of client, and to facing
When cash account data be managed.
The interim cash account carries out information exchange in the following manner with operation system：Interim cash account is managed
Module is independently arranged at except operation system, and carries out information exchange by manual interaction method；The manual interaction method is：
When operation system needs the amount of money transacting business using the interim cash account of client, teller first accesses interim cash account management mould
Block deducts client's cash account, then the transacting business in operation system after safety verification.
Embodiment 2：A kind of cash temporary storage management method, is realized by the way of cash register plus control terminal；It is described
Cash register has deposit boxes and deposit module, and control terminal has touch display screen, identity card reader and camera, institute
Deposit module is stated to have the identification of currency type value of money, check sorting and counterfeit identifying function.Specific implementation mode is as follows：
Client establishes interim cash account on the cash register of bank by customer information：The customer information is client's
ID card information, cash register identity card reader identification client ID card information after, generate interim cash account；
The cash of carrying is placed into the deposit boxes of cash register and is stored in interim cash account by client；
The face information that client is acquired by the camera of control terminal is secure authentication information；
Client goes the different windows transacting business of bank outlets, the teller of business sales counter to pass through client's by interim cash account
Identity card accesses the interim cash account of client, verify client face information pass through after, the completion of interim cash account is withholdd,
It is client's transacting business in operation system.For example one 80,000 yuan of finance product is handled, the teller of business sales counter passes through client's
After the completion of the face information of identity card and verification client, one 80,000 yuan of cash account is deducted from the interim cash account of client,
The purchase business of finance product is handled in operation system.
A kind of cash temporary storage management system, including cash register, control terminal, operation system and cash temporary storage management are soft
Part, the cash temporary storage management software include authentication module, secure verification module and interim cash account management module.Institute
Authentication module is stated, the identity information for verifying client, and operation system is allowed to access；In the present embodiment, identity
Authentication module is identity card reader.The secure verification module for verifying security information, and allows operation system to be visited
It asks；In the present embodiment, secure verification module is to identify the camera of face information.The interim cash account management module is used
In establishing interim cash account according to the identity information of client, and account data is managed.
The interim cash account carries out information exchange in the following way with operation system：Interim cash account is managed
Module is arranged in operation system, and information exchange is carried out in system.
Embodiment 3：A kind of cash temporary storage management method is realized using with savings function atm device；ATM deposits equipment
Have money on deposit case, deposit module, deposit display, card reader and code keyboard, and the deposit module has currency type value of money and identifies, is clear
Point sorting and counterfeit identifying function.Specific implementation mode is as follows：
Client establishes interim cash account on ATM deposit machines by customer information：The customer information is the existing silver of client
Row card account information, the bank card information of the reader identification client of ATM deposit machines, and generate interim cash account；
The cash of carrying is placed into the deposit boxes of ATM deposit machines and is stored in interim cash account by client；
By code keyboard, the secure authentication information that password is interim cash account is set；
Client goes the different windows transacting business of bank outlets, the teller of business sales counter to pass through client's by interim cash account
Bank card access client interim cash account, verify interim cash account encrypted message pass through after, interim cash account is complete
At withholing, the transacting business in operation system.For example one 500 yuan of recharging service is handled, the teller of business sales counter passes through visitor
After the bank card and verification password at family, one 500 yuan of cash account is deducted from the interim cash account of client, in operation system
In handle recharging service.
A kind of cash temporary storage management system, including ATM deposit machines, cash temporary storage management software, the cash temporary storage management
Software includes authentication module, secure verification module and interim cash account management module.The authentication module, is used for
The identity information of client is verified, and operation system is allowed to access；In the present embodiment, authentication module is card reader.Institute
Secure verification module is stated, for verifying security information, and operation system is allowed to access；In the present embodiment, safety verification mould
Block is code keyboard.The interim cash account management module, for establishing interim cash account according to the identity information of client,
And account data is managed.
The interim cash account carries out information exchange in the following way with operation system：Interim cash account is managed
Module is independently arranged at except operation system, and selects immediate data interaction method, application interface interaction method and API Calls interaction method
Middle either type carries out information exchange.The immediate data interaction method is client's cash account in cash account management module
Data are opened with secure authentication information data to operation system, are directly verified by operation system and deduct client's cash account.
Application interface interaction method is that interim cash account management module and operation system two systems are defined interactive interface, by connecing
Mouth specification carries out information exchange；When operation system handles client traffic, first passes through interface and send a request to interim cash account
Management module, interim cash account management module deducts client's cash account after receiving request, and returns the result.The API Calls
Interaction method is to open verification information by interim cash account management module and withhold API approach to operation system, in operation system
When processing business, the API approach that interim cash account management module opens first is called to carry out safety verification and processing of withholing, then
Transacting business.
As described above, although the present invention has been indicated and described with reference to specific preferred embodiment, must not explain
For the limitation to invention itself.It without prejudice to the spirit and scope of the invention as defined in the appended claims, can be right
Various changes can be made in the form and details for it.
Claims (10)
1. a kind of cash temporary storage management method, it is characterised in that：The equipment that has spot assets function of the client in specific unit
On the cash of carrying is temporarily stored in cash equipment to and is generated interim cash account, client is by interim cash account in specific list
The business sales counter transacting business of position.
2. cash temporary storage management method according to claim 1, it is characterised in that：The specific unit is bank.
3. cash temporary storage management method according to claim 2, which is characterized in that include the following steps：
Client establishes interim cash account in the equipment for having spot assets function by customer information；
The cash of carrying is placed into cash device memory to enter in interim cash account；
Secure authentication information is set；
The teller of business sales counter is withholdd by interim cash account helps client's transacting business in operation system.
4. cash temporary storage management method according to claim 3, it is characterised in that：The customer information is the identity of client
Demonstrate,prove information or existing bank card account information.
5. cash temporary storage management method according to claim 3, it is characterised in that：The secure authentication information is that biology is special
Reference ceases or encrypted message.
6. cash temporary storage management method according to claim 3, it is characterised in that：The teller of the business sales counter passes through visitor
The interim cash account of family message reference client.
7. cash temporary storage management method according to claim 3, it is characterised in that：The teller of the business sales counter is by facing
When cash account when withholing, client needs to verify by secure authentication information.
8. cash temporary storage management method according to claim 3, it is characterised in that：Interim cash account and operation system are logical
It crosses one of under type such as and carries out information exchange：
（1）Interim cash account management module is arranged in operation system, information exchange is carried out in system；
（2）Interim cash account management module is independently arranged at except operation system, and one of under type such as is selected to be handed over
Mutually：
（a）Manual interaction method：When operation system needs the amount of money transacting business using the interim cash account of client, teller first visits
It asks interim cash account management module, after secure authentication information, deducts client's cash account, then handled in operation system
Business；
（b）Immediate data interacts method：The client's cash account data and secure authentication information number in cash account management module
According to open to operation system, directly verified by operation system and deduct client's cash account；
（c）Application interface interacts method：Interim cash account management module and operation system two systems are defined into interactive interface, pressed
Interface specification carries out information exchange；When operation system handles client traffic, first passes through interface and send a request to interim cash account
Family management module, interim cash account management module deducts client's cash account after receiving request, and returns the result；
（d）API Calls interact method：Verification information is opened by interim cash account management module and API approach of withholing gives business system
System, in operation system processing business, first call the API approach that interim cash account management module opens carry out safety verification with
It withholds processing, then transacting business.
9. a kind of cash temporary storage management system, including have the equipment and cash temporary storage management software of spot assets function；It is special
Sign is：The cash temporary storage management software includes,
Authentication module for verifying identity information, and allows teller or operation system to access；
Secure verification module for verifying security information, and allows teller or operation system to access；
Interim cash account management module, for establishing interim cash account according to the identity information of client, to interim cash account
User data is managed, and teller or operation system is allowed to access.
10. cash temporary storage management system according to claim 9, it is characterised in that：The authentication module includes body
Part card reader or card reader；The secure verification module includes biological characteristic reading device or encrypted message input unit.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201810473270.2A CN108648070A (en) | 2018-05-17 | 2018-05-17 | A kind of cash temporary storage management method and system |
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201810473270.2A CN108648070A (en) | 2018-05-17 | 2018-05-17 | A kind of cash temporary storage management method and system |
Publications (1)
| Publication Number | Publication Date |
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| CN108648070A true CN108648070A (en) | 2018-10-12 |
Family
ID=63756295
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| Application Number | Title | Priority Date | Filing Date |
|---|---|---|---|
| CN201810473270.2A Pending CN108648070A (en) | 2018-05-17 | 2018-05-17 | A kind of cash temporary storage management method and system |
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Cited By (1)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN111784323A (en) * | 2020-06-29 | 2020-10-16 | 杭州雄伟科技开发股份有限公司 | A noninductive payment system for intelligent dining room |
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| CN102073969A (en) * | 2011-01-31 | 2011-05-25 | 中国光大银行股份有限公司 | Method for realizing debit and credit integrated card |
| CN105303439A (en) * | 2015-05-11 | 2016-02-03 | 罗卫东 | Bank system adopting human face recognition to enter account and confirming service through fingerprint |
| WO2016110635A1 (en) * | 2015-01-05 | 2016-07-14 | Heoh | Methods and devices for controlling ancillary operations related to the execution of main transactions |
| CN107248115A (en) * | 2016-12-22 | 2017-10-13 | 南京合荣欣业金融软件有限公司 | It is a kind of to keep accounts with receiving and paying out the monetary transaction processing method and system separated |
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2018
- 2018-05-17 CN CN201810473270.2A patent/CN108648070A/en active Pending
Patent Citations (4)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN102073969A (en) * | 2011-01-31 | 2011-05-25 | 中国光大银行股份有限公司 | Method for realizing debit and credit integrated card |
| WO2016110635A1 (en) * | 2015-01-05 | 2016-07-14 | Heoh | Methods and devices for controlling ancillary operations related to the execution of main transactions |
| CN105303439A (en) * | 2015-05-11 | 2016-02-03 | 罗卫东 | Bank system adopting human face recognition to enter account and confirming service through fingerprint |
| CN107248115A (en) * | 2016-12-22 | 2017-10-13 | 南京合荣欣业金融软件有限公司 | It is a kind of to keep accounts with receiving and paying out the monetary transaction processing method and system separated |
Cited By (1)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN111784323A (en) * | 2020-06-29 | 2020-10-16 | 杭州雄伟科技开发股份有限公司 | A noninductive payment system for intelligent dining room |
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Application publication date: 20181012 |