CN108717758A - A kind of no high cube container bank agency operation system - Google Patents
A kind of no high cube container bank agency operation system Download PDFInfo
- Publication number
- CN108717758A CN108717758A CN201810912077.4A CN201810912077A CN108717758A CN 108717758 A CN108717758 A CN 108717758A CN 201810912077 A CN201810912077 A CN 201810912077A CN 108717758 A CN108717758 A CN 108717758A
- Authority
- CN
- China
- Prior art keywords
- cash
- noncash
- electronic transaction
- equipment
- terminal
- Prior art date
- Legal status (The legal status is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the status listed.)
- Granted
Links
- 238000012545 processing Methods 0.000 claims abstract description 57
- 238000013475 authorization Methods 0.000 claims abstract description 3
- 238000012795 verification Methods 0.000 claims abstract description 3
- 230000002093 peripheral effect Effects 0.000 claims description 2
- 238000010276 construction Methods 0.000 abstract description 6
- 230000000694 effects Effects 0.000 description 3
- 108091064702 1 family Proteins 0.000 description 1
- HCBIBCJNVBAKAB-UHFFFAOYSA-N Procaine hydrochloride Chemical compound Cl.CCN(CC)CCOC(=O)C1=CC=C(N)C=C1 HCBIBCJNVBAKAB-UHFFFAOYSA-N 0.000 description 1
- 230000008901 benefit Effects 0.000 description 1
- 230000007812 deficiency Effects 0.000 description 1
- 238000011161 development Methods 0.000 description 1
- 238000010586 diagram Methods 0.000 description 1
- 238000005516 engineering process Methods 0.000 description 1
- 239000011521 glass Substances 0.000 description 1
- 239000000463 material Substances 0.000 description 1
- 238000000034 method Methods 0.000 description 1
- 239000000203 mixture Substances 0.000 description 1
- 238000012986 modification Methods 0.000 description 1
- 230000004048 modification Effects 0.000 description 1
- 230000009467 reduction Effects 0.000 description 1
- 230000032258 transport Effects 0.000 description 1
- 230000007306 turnover Effects 0.000 description 1
Classifications
-
- 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]
- G07F19/201—Accessories of ATMs
-
- 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
Landscapes
- Business, Economics & Management (AREA)
- Accounting & Taxation (AREA)
- Finance (AREA)
- Physics & Mathematics (AREA)
- General Physics & Mathematics (AREA)
- Control Of Vending Devices And Auxiliary Devices For Vending Devices (AREA)
- Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)
Abstract
The present invention discloses a kind of no high cube container bank agency operation system, including several service terminals, and several service terminals are divided into two class of cash processing terminal and noncash processing terminal；Wherein, the cash processing terminal includes at least an electronic transaction terminal and a cash equipment, for handling cash class business；The noncash processing terminal is the combination of electronic transaction terminal or electronic transaction terminal and noncash equipment, is used for noncash class business handling；The electronic transaction terminal is provided with input equipment and user identity identification equipment, for creating or changing customer account information, carry out service authorization processing or client identity verification；It is communicated to connect between the cash processing terminal and noncash processing terminal.The present invention realizes that account detaches in fact, under the premise of ensuring security of cash, changes traditional bank outlets' operation mode, realizes the purpose of no high cube container operation, considerably reduces construction and the operation cost of site, saved manpower.
Description
Technical field
The present invention relates to a kind of financial grid point operation systems, and in particular to a kind of bank is without operation system of high cube container outlet
System.
Background technology
It is composed currently, bank outlets mostly use greatly the mode that high cube container sales counter is combined with lowboy sales counter, is handled for client
Related service.High cube container sales counter mainly handles the business for being related to cash, and lowboy sales counter mainly handles non-cash business.According to country
Correlation standard, the structure and glass of high cube container sales counter are required for reaching explosion-proof criteria, therefore deployment cost is higher；High cube container sales counter
Teller need to receive and turn over cash material object daily, teller day checks reconciliation eventually, and workflow complexity is cumbersome；Simultaneously as
It is related to monetary transaction, needs the cash of morning and evening progress daily to escort, increase transportation cost；Terminate with business before bank business
It is required for checking cash later, expends a large amount of manpower and time cost.In addition, coming for some big outlets
It says, has built a large amount of high cube container, but flourishing with our e-commerce, need the monetary transaction carried out also to get over
Few, a large amount of high cube container not only occupies space, but also wastes construction cost, causes the great wasting of resources.
For case above, banking generally believes that needs promote the cancellation high cube container developed without high cube containerization, but barbarous at present,
It will have a direct impact on the development of monetary transaction again, it is clear that be not the method solved the problems, such as.How after cancelling high cube container, remain to
Normally carry out every cash and no cash transaction under the conditions of meeting as defined in supervision, and break away from the constraint of site scale, meets complete
Business handles demand, becomes the current significant problem for being badly in need of solving to attract depositor just.
Invention content
Goal of the invention：Present invention aims in view of the deficiencies of the prior art, provide a kind of structure simplify, construction cost
The bank low, operation flow is simplified, at low cost, efficient is without high cube container outlet operation system.
Technical solution：No high cube container bank agency operation system of the present invention, including several service terminals, several clothes
Business terminal is divided into two class of cash processing terminal and noncash processing terminal；
Wherein, the cash processing terminal includes at least an electronic transaction terminal and a cash equipment, for handling cash class industry
Business；The noncash processing terminal is the combination of electronic transaction terminal or electronic transaction terminal and noncash equipment, for handling
Noncash class business；
The electronic transaction terminal is provided with input equipment and user identity identification equipment, for creating or changing customer account letter
Breath carries out service authorization processing or client identity verification；
The cash processing terminal and noncash processing terminal access the same software systems.Cash in the operation system of the present invention
Transaction is completed by cash processing terminal, and cash processing terminal can handle bank note, coin, home currency, foreign currency, damaged coin, counterfeit money
Deng achieving the purpose that no high cube container.
The present invention is each cash in order to ensure user's assets and inherently safe, further preferably technical solution
The mounting means of processing terminal meets safety requirements, and one or more cash processing terminal groups are at site cash processing center.
User completes cash processing in cash processing center.
The cash processing terminal is combined and is formed by electronic transaction terminal and additional bill or coin equipment, can be met
The processing requirement of whole cashes in site.
The cash processing terminal can also be combined and be formed by ATM machine or CRS machines and additional peripheral devices, utilize original ATM
Machine or CRS machines transform novel cash transaction terminal as, save construction cost.
Further preferably technical solution is the present invention, various types of noncash processing terminal be combined with each other to
Different regions is formed, such as：Information desk, inquiry service area, Fei Xian business handlings area, the rooms VIP etc..
The noncash equipment be card sender, deposit receipt transmit/receive machine, U-key dispensers or gift dispenser one of which or
Multiple combinations.
Different from cash processing terminal, the noncash electronic transaction terminal can be that Wireless handheld electronic transaction is whole
End facilitates site staff that user is assisted to handle every no cash transaction, such as：Inquire, found modification account etc..
The site operation system of the present invention is especially heavy for the certification of user identity in business handling due to eliminating high cube container
It wants, the user identity identification equipment of the electronic transaction terminal is information collecting device and/or physical characteristics collecting equipment.
Preferably, described information collecting device is identification card reader, two-dimensional code reader, bank card reader or bankbook
Reader one or more of which combines, and the physical characteristics collecting equipment is that fingerprint reader, face recognition machine or iris are read
Machine one or more of which is taken to combine.
For the ease of user's operation, facilitate the user of different demands, the input equipment of the electronic transaction terminal be mouse,
Keyboard, dummy keyboard, touch display screen, the combination of audio input one or more of which.
Advantageous effect：The present invention includes several service terminals without high cube container bank agency operation system, and several services are eventually
End is divided into two class of cash processing terminal and noncash processing terminal.Cash processing terminal is that user handles monetary transaction, noncash
Processing terminal is that user handles no cash transaction, realizes being run without high cube containerization for site, but the operation system of the present invention is not
Rough removal high cube container, nor simply replacing traditional teller, the present invention to pass through electronic transaction terminal and a cash with equipment
Equipment combines, and forms cash processing terminal, and cash processing terminal not only can directly handle monetary transaction, can also use order side
Formula realizes that account detaches in fact, and various monetary transactions are handled using noncash processing terminal, changes traditional bank outlets' operation mould
Formula realizes the purpose of no high cube container operation on the basis of difference and the form and construction mode of traditional bank site；This hair
It is bright that due to being not provided with high cube container, direct effect one is to considerably reduce construction and the operation cost of site, second is that saved manpower,
User self-help handles every business（Including monetary transaction and no cash transaction）, teller need to only carry out auxiliary work；Between
It connects in effect, due to being received and paid out using machine, the advantage of traditional ATM machine or CRS machines is also embodied, and bank is without daily
Cash is checked and transports, reduction is checked and transported cash number, saved a large amount of duplication of labour power and transportation cost.
In addition, the cash processing terminal and noncash processing terminal of the present invention are all modular setting, each section is
Standard feature module, site can be freely combined and flexibly assembled according to the business demand of itself, establish with characteristic and meet
The standardization outlet of oneself requirement.
Description of the drawings
Fig. 1 is the structural schematic diagram of electronic transaction terminal of the present invention.
Specific implementation mode
Technical solution of the present invention is described in detail below by attached drawing, but protection scope of the present invention is not limited to
The embodiment.
Embodiment：A kind of no high cube container bank agency operation system, including several service terminals, several service terminals point
For two class of cash processing terminal and noncash processing terminal.
Wherein, cash processing terminal includes at least an electronic transaction terminal 1 and a cash equipment, for handling cash class industry
Business.Cash equipment can be that bill or Coin-sorting-counting machine have, and can also be ATM machine or CRS machines.The peace of each cash processing terminal
Dress mode meets safety requirements, and one or more cash processing terminal groups are at cash processing center.
Noncash processing terminal is the combination of electronic transaction terminal 1 or electronic transaction terminal 1 and noncash equipment, is used for
Noncash class business handling.Independent electronic transaction terminal 1 can be Wireless handheld electronic transaction terminal, the hand as teller
Holding equipment assists user to handle every business for teller.Electronic transaction terminal 1 is combined with card sender, for found new user,
Neocaine is applied for card or made up for new user；Electronic transaction terminal 1 transmits/receives machine with deposit receipt and combines, and is handled for user existing in cash deposit
After golden processing terminal keep accounts business and deposit receipt transmits/receives business；Electronic transaction terminal 1 is combined with U-key dispensers, for
The related services such as the opening of Web bank is handled at family, cancellation and U-key are provided；Electronic transaction terminal 1 and gift dispenser
Combination handles the business such as the inquiry of integral, exchange for user.Electronic transaction terminal 1 is formed from the combination of different noncash equipments
The noncash processing terminal of different function, one or more noncash processing terminal composition no cash transactions handle service area.
The electronic transaction terminal 1 of cash processing terminal and noncash processing terminal is both provided with input equipment and user identity
Identification equipment, for founding or changing customer accounting code information or handle mandate business processing.The input equipment of electronic transaction terminal 1
For mouse, keyboard, dummy keyboard, touch display screen, the combination of audio input one or more of which.The use of electronic transaction terminal 1
Family identification apparatus is information collecting device and/or physical characteristics collecting equipment.Information collecting device be identification card reader,
Two-dimensional code reader, bank card reader or the combination of bankbook reader one or more of which, physical characteristics collecting equipment are to refer to
Line reading machine, face recognition machine, finger vena cognitron or the combination of iris reading machine one or more of which.
In the present embodiment, the input equipment of electronic transaction terminal 1 is touch display screen 2, the group of keyboard 3 and audio input 4
It closes.Information collecting device is the combination of identification card reader 5, bank card reader 6 and bankbook reader 7.Physical characteristics collecting
Equipment is the combination of fingerprint reader 8, face recognition machine 9, finger vena cognitron 10.
Cash processing terminal and noncash processing terminal access the same software systems.
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 (9)
1. a kind of no high cube container bank agency operation system, which is characterized in that including several service terminals, several service terminals
It is divided into two class of cash processing terminal and noncash processing terminal；
Wherein, the cash processing terminal includes at least an electronic transaction terminal and a cash equipment, for handling cash class industry
Business；The noncash processing terminal is the combination of electronic transaction terminal or electronic transaction terminal and noncash equipment, for handling
Noncash class business；
The electronic transaction terminal is provided with input equipment and user identity identification equipment, for creating or changing customer account letter
Breath carries out service authorization processing or client identity verification；
The cash processing terminal and noncash processing terminal access the same software systems.
2. no high cube container bank agency operation system according to claim 1, which is characterized in that at each cash
The mounting means of reason terminal meets safety requirements, and one or more cash processing terminal groups are at site cash processing center.
3. no high cube container bank agency operation system according to claim 2, which is characterized in that the cash processing is eventually
It is combined and is formed by electronic transaction terminal and additional bill or coin equipment in end.
4. no high cube container bank agency operation system according to claim 2, which is characterized in that the cash processing is eventually
It is combined and is formed by ATM machine or CRS machines and additional peripheral devices in end.
5. no high cube container bank agency operation system according to claim 1, which is characterized in that the noncash equipment
Machine, U-key dispensers or the combination of gift dispenser one or more of which are transmitted/received for card sender, deposit receipt.
6. no high cube container bank agency operation system according to claim 1, which is characterized in that the noncash electronics
Transaction terminal is Wireless handheld electronic transaction terminal.
7. no high cube container bank agency operation system according to claim 1, which is characterized in that the electronic transaction is whole
The user identity identification equipment at end is information collecting device and/or physical characteristics collecting equipment.
8. no high cube container bank agency operation system according to claim 7, which is characterized in that described information acquisition is set
It is standby to be combined for identification card reader, two-dimensional code reader, bank card reader or bankbook reader one or more of which, it is described
Physical characteristics collecting equipment is fingerprint reader, face recognition machine or the combination of iris reading machine one or more of which.
9. no high cube container bank agency operation system according to claim 1, which is characterized in that the electronic transaction is whole
The input equipment at end is mouse, keyboard, dummy keyboard, touch display screen, the combination of audio input one or more of which.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201810912077.4A CN108717758B (en) | 2018-08-10 | 2018-08-10 | Operation system of business network of non-high-cabinet bank |
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201810912077.4A CN108717758B (en) | 2018-08-10 | 2018-08-10 | Operation system of business network of non-high-cabinet bank |
Publications (2)
| Publication Number | Publication Date |
|---|---|
| CN108717758A true CN108717758A (en) | 2018-10-30 |
| CN108717758B CN108717758B (en) | 2023-12-12 |
Family
ID=63914495
Family Applications (1)
| Application Number | Title | Priority Date | Filing Date |
|---|---|---|---|
| CN201810912077.4A Active CN108717758B (en) | 2018-08-10 | 2018-08-10 | Operation system of business network of non-high-cabinet bank |
Country Status (1)
| Country | Link |
|---|---|
| CN (1) | CN108717758B (en) |
Cited By (1)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN111462419A (en) * | 2020-04-14 | 2020-07-28 | 湖南长城信息金融设备有限责任公司 | Intelligent self-service terminal equipment for realizing integration and modularization of bank outlets |
Citations (5)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| KR20030067018A (en) * | 2002-02-06 | 2003-08-14 | 주식회사 쓰리비 시스템 | electronic bankbook and bank business system using it |
| CN101694710A (en) * | 2009-09-28 | 2010-04-14 | 广州市国安信息工程有限公司 | Electronic transaction counter service system and realization method |
| AU2012203642A1 (en) * | 2006-03-15 | 2012-07-12 | Qualcomm Incorporated | M-commerce virtual cash system, method, and apparatus |
| CN205263958U (en) * | 2015-12-16 | 2016-05-25 | 南京合荣欣业信息技术有限公司 | Machines are handled with automatic cash of cashier's disconnect -type to book keeping operation |
| CN208766784U (en) * | 2018-08-10 | 2019-04-19 | 南京合荣欣业信息技术有限公司 | A kind of no high cube container bank agency operation system |
-
2018
- 2018-08-10 CN CN201810912077.4A patent/CN108717758B/en active Active
Patent Citations (5)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| KR20030067018A (en) * | 2002-02-06 | 2003-08-14 | 주식회사 쓰리비 시스템 | electronic bankbook and bank business system using it |
| AU2012203642A1 (en) * | 2006-03-15 | 2012-07-12 | Qualcomm Incorporated | M-commerce virtual cash system, method, and apparatus |
| CN101694710A (en) * | 2009-09-28 | 2010-04-14 | 广州市国安信息工程有限公司 | Electronic transaction counter service system and realization method |
| CN205263958U (en) * | 2015-12-16 | 2016-05-25 | 南京合荣欣业信息技术有限公司 | Machines are handled with automatic cash of cashier's disconnect -type to book keeping operation |
| CN208766784U (en) * | 2018-08-10 | 2019-04-19 | 南京合荣欣业信息技术有限公司 | A kind of no high cube container bank agency operation system |
Cited By (2)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN111462419A (en) * | 2020-04-14 | 2020-07-28 | 湖南长城信息金融设备有限责任公司 | Intelligent self-service terminal equipment for realizing integration and modularization of bank outlets |
| CN111462419B (en) * | 2020-04-14 | 2022-01-07 | 长城信息股份有限公司 | Intelligent self-service terminal equipment for realizing integration and modularization of bank outlets |
Also Published As
| Publication number | Publication date |
|---|---|
| CN108717758B (en) | 2023-12-12 |
Similar Documents
| Publication | Publication Date | Title |
|---|---|---|
| CN105844813A (en) | Self-service multi-currency exchange device and system | |
| CN201600746U (en) | Recharging and payment device based on bank smart card | |
| CN103198553B (en) | Coin automatic depositing-withdrawing changer | |
| WO2003071386A3 (en) | Methods and systems for exchanging and/or transferring various forms of value | |
| CN109559104B (en) | Method and device for associating identity of payer in payment environment | |
| WO2021192375A1 (en) | Transaction device, information processing device, and transaction system | |
| CN101136123A (en) | Smart card POS machine system and corresponding method for payment collecting and remitting at merchant stations | |
| US20140236841A1 (en) | System and a method for receiving and disbursing donation | |
| CN203038374U (en) | Corporate business self-help all-in-one machine | |
| US20150142648A1 (en) | Corporate Bill Self-service System with Blank Bill Vending and Temporary Bill Storage Functions | |
| CN101359417A (en) | Automated teller machine for ironing and disinfecting when saving and selecting bills of different denominations when drawing money | |
| CN205405733U (en) | Self -service many currency conversions device and system | |
| CN104599409B (en) | A kind of withdrawal transaction terminal system and method | |
| CN208766784U (en) | A kind of no high cube container bank agency operation system | |
| CN204596031U (en) | A kind of banking handles system | |
| CN108717758A (en) | A kind of no high cube container bank agency operation system | |
| CN201828993U (en) | Semi-automatic counter device of banking business | |
| CN101996452A (en) | Transaction support method | |
| CN102254384B (en) | Automatic trade control device | |
| CN201974879U (en) | Client self-service device for counter service in bank | |
| CN111047325B (en) | Collecting system and method | |
| CN202795600U (en) | Card swiping payment mobile phone system | |
| CN206564001U (en) | Bank self-help cabinet face equipment and system | |
| CN208444396U (en) | A kind of combination type bank customer service terminal | |
| CN112767617A (en) | Card-free automatic teller machine utilizing mobile terminal and identity card multiple identification |
Legal Events
| Date | Code | Title | Description |
|---|---|---|---|
| PB01 | Publication | ||
| PB01 | Publication | ||
| SE01 | Entry into force of request for substantive examination | ||
| SE01 | Entry into force of request for substantive examination | ||
| GR01 | Patent grant | ||
| GR01 | Patent grant |