CN111429670A - Intelligent teller machine and transaction security control method - Google Patents
Intelligent teller machine and transaction security control method Download PDFInfo
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- CN111429670A CN111429670A CN202010216793.6A CN202010216793A CN111429670A CN 111429670 A CN111429670 A CN 111429670A CN 202010216793 A CN202010216793 A CN 202010216793A CN 111429670 A CN111429670 A CN 111429670A
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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]
- G07F19/201—Accessories of ATMs
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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]
- G07F19/205—Housing aspects of ATMs
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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]
- G07F19/205—Housing aspects of ATMs
- G07F19/2055—Anti-skimming aspects at ATMs
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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]
- G07F19/207—Surveillance aspects at ATMs
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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]
- G07F19/211—Software architecture within ATMs or in relation to the ATM network
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Abstract
The application provides an intelligent teller machine and a transaction safety control method, wherein the intelligent teller machine comprises: the system comprises a protection cabin, first user identity intelligent identification equipment, and transaction equipment, second user identity intelligent identification equipment and an environment detection sensor which are respectively arranged in the protection cabin, wherein a cabin door is arranged on one cabin wall of the protection cabin, and the first user identity intelligent identification equipment is arranged on the outer side of the cabin wall provided with the cabin door; the first user identity intelligent recognition device, the second user identity intelligent recognition device, the cabin door and the environment detection sensor are respectively in communication connection with the transaction device, so that the transaction device receives and processes data respectively acquired by the first user identity intelligent recognition device, the second user identity intelligent recognition device, the cabin door and the environment detection sensor in real time. The reliability of intelligent degree and structure of wisdom automatic teller machine can be improved to this application, and then improves the reliability of transaction safety control.
Description
Technical Field
The application relates to the technical field of financial equipment, in particular to an intelligent teller machine and a transaction safety control method.
Background
The intelligent teller machine is self-service or semi-self-service equipment of a bank outlet, and business handling is mainly realized through a human-computer interaction mode of a touch screen. The intelligent teller machine utilizes intelligent information technology means, such as technologies of human-computer interaction, big data and the like, to construct a comprehensive, intelligent and light new channel for client transaction, adopts a brand-new service mode of client self-service handling, background professional auditing and foreground marketing service to reshape a business handling process, can process businesses which cannot be processed or can be shunted by channels such as a mobile phone and a website, and provides one-stop, self-service, intelligent and diversified service experience for clients.
In the process of carrying out transaction by using the existing intelligent teller machine, the transaction environment is an open environment, and the privacy and safety of the business transaction of the client are poor; the human-computer interaction is carried out only through the touch screen, the voice service handling cannot be carried out, and the intelligent degree is low; by the mode without remote assistance, the bank outlets need to be manually assisted on site to operate, and the system control capability is lacked.
Disclosure of Invention
The intelligent teller machine and the transaction safety control method can improve the intelligent degree and the reliability of the structure of the intelligent teller machine, and further improve the reliability of the transaction safety control.
In order to solve the technical problem, the present application provides the following technical solutions:
in a first aspect, the present application provides an intelligent teller machine, comprising:
the system comprises a protection cabin, first user identity intelligent identification equipment, and transaction equipment, second user identity intelligent identification equipment and an environment detection sensor which are respectively arranged in the protection cabin, wherein a cabin door is arranged on one cabin wall of the protection cabin, and the first user identity intelligent identification equipment is arranged on the outer side of the cabin wall provided with the cabin door;
the first user identity intelligent recognition device, the second user identity intelligent recognition device, the cabin door and the environment detection sensor are respectively in communication connection with the transaction device, so that the transaction device receives and processes data respectively acquired by the first user identity intelligent recognition device, the second user identity intelligent recognition device, the cabin door and the environment detection sensor in real time.
Further, the intelligent teller machine further comprises: the human body proximity sensor is arranged on the outer side of the cabin wall provided with the cabin door and is in communication connection with the transaction equipment so as to send the human body proximity information to the transaction equipment for processing after receiving the human body proximity information.
Further, the environment detection sensor includes: at least one of a smoke alarm sensor, an air quality sensor, an illumination intensity sensor, a human body movement induction sensor and a temperature sensor.
Further, the intelligent teller machine further comprises: a microphone and a sound player arranged in the protection cabin; the microphone and the sound player are respectively in communication connection with the trading equipment, and the microphone and the sound player are both arranged in a preset user operable range taking the trading equipment as a center.
Furthermore, the hatch door is an electrified atomization glass door, so that the electrified atomization glass door is triggered to be electrified when the hatch door is locked from the inside, and the electrified atomization glass door is converted into a non-transparent state from a transparent state.
Further, the first user identity intelligent recognition device comprises: a card reader and/or biometric device; the second user identity intelligent recognition device comprises: a card reader and/or a biometric device.
In a second aspect, the present application provides a transaction security control method implemented by using the intelligent teller machine, including:
receiving user information to be identified collected by the first user identity intelligent identification device and user identity information to be matched collected by the second user identity intelligent identification device;
judging whether the user information to be identified is matched with the user identity information to be matched, if so, receiving the user transaction information of the target user and executing a transaction process according to the user transaction information;
wherein the user transaction information comprises: voice transaction information and/or screen input transaction information.
Further, the receiving of the user information to be recognized collected by the first user identity intelligent recognition device and the user identity information to be matched collected by the second user identity intelligent recognition device includes: receiving user identity information to be identified collected by the first user identity intelligent identification device and environment detection data collected by the environment detection sensor; judging whether the user identity information to be identified is matched with user identity information in a pre-acquired user identity information base or not, if so, judging that the protection cabin is in an idle state according to the environment detection data, and controlling the cabin door to be opened; and receiving the identity information of the user to be matched, which is acquired by the second user identity intelligent identification equipment.
Further, the determining whether the user information to be identified is matched with the user identity information to be matched includes: acquiring account information corresponding to the identity information of the user to be identified and the identity information of the user to be matched from a pre-acquired user identity information base; and judging whether the account information corresponding to the identity information of the user to be identified is consistent with the account information corresponding to the identity information of the user to be matched.
Further, the transaction security control method further includes: and if a remote video assistance request is received, establishing communication connection between the transaction equipment and a target remote assistance platform system.
Further, the transaction security control method further includes: and receiving environment detection data acquired by the environment detection sensor in real time, and judging whether the transaction environment in the protection cabin is reliable or not according to the environment detection data.
In a third aspect, the present application provides an electronic device, comprising a memory, a processor and a computer program stored on the memory and executable on the processor, wherein the processor implements the transaction security control method when executing the program.
In a fourth aspect, the present application provides a computer readable storage medium having stored thereon computer instructions that, when executed, implement the transaction security control method.
According to the technical scheme, the application provides the intelligent teller machine and the transaction safety control method. Wherein, this wisdom automatic teller machine includes: the system comprises a protection cabin, first user identity intelligent identification equipment, and transaction equipment, second user identity intelligent identification equipment and an environment detection sensor which are respectively arranged in the protection cabin, wherein a cabin door is arranged on one cabin wall of the protection cabin, and the first user identity intelligent identification equipment is arranged on the outer side of the cabin wall provided with the cabin door; the first user identity intelligent recognition device, the second user identity intelligent recognition device, the cabin door and the environment detection sensor are respectively in communication connection with the transaction device, so that the transaction device receives and processes data respectively acquired by the first user identity intelligent recognition device, the second user identity intelligent recognition device, the cabin door and the environment detection sensor in real time, the intelligent degree and the structural reliability of the intelligent teller machine can be improved, and the reliability of transaction safety control is further improved; specifically, the privacy protection and voice man-machine interaction of the intelligent teller machine can be realized by arranging a closed cabin; through remote video assistance and security monitoring, the intelligent teller machine can be deployed without people; by arranging the cabin external identification equipment, the intelligent teller machine can identify the client before entering the cabin, and can also be used for door opening notification and system welcome display after entering the cabin; the method comprises the steps that whether a customer enters a cabin or not is detected through a cabin interior sensor, and the cabin door of the equipment is closed in a linkage mode; the integrated integration and control system is based on the Internet of things technology and comprises transaction equipment, a protection cabin, user identity intelligent recognition equipment, security equipment, acousto-optic and electronic equipment and the like.
Drawings
In order to more clearly illustrate the embodiments of the present application or the technical solutions in the prior art, the drawings used in the description of the embodiments or the prior art will be briefly described below, it is obvious that the drawings in the following description are only some embodiments of the present application, and for those skilled in the art, other drawings can be obtained according to the drawings without creative efforts.
FIG. 1 is a schematic structural diagram of an intelligent teller machine according to an embodiment of the present application;
FIG. 2 is a schematic diagram illustrating the connection relationship between devices in the intelligent teller machine according to an embodiment of the present disclosure;
FIG. 3 is a schematic flow chart of a transaction security control method in an embodiment of the present application;
fig. 4 is a schematic flow chart of steps 101 to 103 of a transaction security control method in an embodiment of the present application;
FIG. 5 is a schematic diagram illustrating a connection relationship between an intelligent teller machine and a remote collaboration platform system according to an embodiment of the present application;
fig. 6 is a schematic diagram of a framework of an internet of things platform in a specific application example of the present application;
fig. 7 is a schematic block diagram of a system configuration of an electronic device 9600 according to an embodiment of the present application.
Description of the symbols
1. A protection cabin;
2. the first user identity intelligent identification device;
3. a transaction device;
4. the second user identity intelligent identification device;
5. an environment detection sensor;
6. a cabin door;
7. a human body proximity sensor.
Detailed Description
In order to make those skilled in the art better understand the technical solutions in the present specification, the technical solutions in the embodiments of the present application will be clearly and completely described below with reference to the drawings in the embodiments of the present application, and it is obvious that the described embodiments are only a part of the embodiments of the present application, and not all of the embodiments. All other embodiments, which can be derived by a person skilled in the art from the embodiments given herein without making any creative effort, shall fall within the protection scope of the present application.
Specific embodiments of the present application are disclosed in detail with reference to the following description and drawings, indicating the manner in which the principles of the application may be employed. It should be understood that the embodiments of the present application are not so limited in scope. The embodiments of the application include many variations, modifications and equivalents within the spirit and scope of the appended claims.
Features that are described and/or illustrated with respect to one embodiment may be used in the same way or in a similar way in one or more other embodiments, in combination with or instead of the features of the other embodiments.
It should be emphasized that the term "comprises/comprising" when used herein, is taken to specify the presence of stated features, integers, steps or components but does not preclude the presence or addition of one or more other features, integers, steps or components.
The following examples are intended to illustrate the details.
In order to improve the intelligence degree and the reliability of the structure of the intelligent teller machine and further improve the reliability of the transaction security control, the present application provides an embodiment of the intelligent teller machine, and referring to fig. 1, the intelligent teller machine specifically includes:
the system comprises a protective cabin 1, first user identity intelligent recognition equipment 2, and transaction equipment 3, second user identity intelligent recognition equipment 4 and an environment detection sensor 5 which are respectively arranged in the protective cabin, wherein a cabin door 6 is arranged on one cabin wall of the protective cabin, and the first user identity intelligent recognition equipment 2 is arranged on the outer side of the cabin wall provided with the cabin door 6; referring to fig. 2, the first user identification intelligent recognition device 2, the second user identification intelligent recognition device 4, the cabin door 6 and the environment detection sensor 5 are respectively in communication connection with the transaction device 3, so that the transaction device 3 receives and processes data respectively acquired by the first user identification intelligent recognition device 2, the second user identification intelligent recognition device 4, the cabin door 6 and the environment detection sensor 5 in real time.
Specifically, the first user identification intelligent recognition device 2 includes: a card reader and/or biometric device; the second user identification intelligent recognition device 4 comprises: a card reader and/or a biometric device. The first user identity intelligent recognition device 2 and the second user identity intelligent recognition device 4 can be the same user identity intelligent recognition device or different user identity intelligent recognition devices. The second user identification smart recognition device 4 is arranged within a preset user operable range centered on the transaction device 3. The user operable range may be set according to actual conditions, and the present application is not limited thereto. The transaction device 3 can be an existing automatic teller machine or intelligent teller machine with a control function and is integrated with an internet of things platform; the display screen of the transaction device 3 may be a dual screen STM. For example, the biometric device may be a face recognition device, a fingerprint acquisition device, or an iris recognition device, and if the biometric device is the iris recognition device, the iris recognition device includes a binocular camera; the outer side of the cabin wall provided with the cabin door 6 can be further provided with a display screen which is in communication connection with the transaction equipment and used for pushing marketing information or displaying face recognition information.
The environment detection sensor 5 includes: at least one of a smoke alarm sensor, an air quality sensor, an illumination intensity sensor, a human body movement induction sensor and a temperature sensor. By collecting the environment detection data of the environment detection sensor 5, the real-time early warning can be carried out on the abnormal conditions in the protection cabin 1. Further, still be provided with air purifier, lighting device and air conditioner etc. in the protection cabin 1, can adjust the environmental condition in the protection cabin 1 according to the environmental detection data of real-time collection.
In order to improve the flexibility of controlling the intelligent teller machine based on the improvement of the intelligent degree and the structural reliability of the intelligent teller machine, referring to fig. 1, in an embodiment of the present application, the intelligent teller machine further includes:
and the human body proximity sensor 77 is arranged outside the cabin wall provided with the cabin door 6 and is in communication connection with the transaction equipment 3 so as to send the human body proximity information to the transaction equipment 3 for processing after receiving the human body proximity information. Specifically, the states of the first user identification intelligent recognition device 2 and a plurality of devices in the protection cabin 1, such as an illumination device and an air conditioner, can be adjusted by judging whether the human body proximity sensor 77 receives human body proximity information.
In order to increase the application range of the intelligent teller machine, in an embodiment of the present application, the intelligent teller machine further includes: a microphone and a sound player arranged in the protection cabin 1; the microphone and the sound player are respectively in communication connection with the transaction device 3, and both the microphone and the sound player are arranged in a preset user operable range with the transaction device 3 as a center.
Specifically, the user operable range may be set according to actual conditions. By applying the microphone and the sound player, the transaction service of the target user can be handled by voice.
In order to further improve the reliability of the structure of the intelligent teller machine and further improve the privacy and the safety of user transactions, the cabin door 6 is an electrified atomization glass door, so that the cabin door 6 triggers the electrified atomization glass door to be electrified when being locked from the inside, and the electrified atomization glass door is converted into a non-transparent state from a transparent state.
In one embodiment of the present application, the intelligent teller machine further includes a controller, and the controller is respectively connected to the first smart subscriber identity identification device 2, the second smart subscriber identity identification device 4, the cabin door 6, the environment detection sensor 5 and the transaction device 3 in a communication manner.
Specifically, the intelligent teller machine in the embodiment of the present application may further include an in-cabin monitor, a light box, a storage box, and the like.
As shown in fig. 3, in order to improve the intelligence degree and the structural reliability of the intelligent teller machine and further improve the reliability of the transaction security control, the embodiment provides a transaction security control method in which the execution main body is the transaction device or an independent controller, which specifically includes the following contents:
step 100: and receiving the user information to be identified collected by the first user identity intelligent identification device and the user identity information to be matched collected by the second user identity intelligent identification device.
Step 200: judging whether the user information to be identified is matched with the user identity information to be matched, if so, receiving the user transaction information of the target user and executing a transaction process according to the user transaction information; wherein, the user transaction information includes: voice transaction information and/or screen input transaction information.
Specifically, the user information to be identified may be fingerprint information, account information, face information, and the like of the current user. The identity information of the user to be matched can be fingerprint information, account information, face information and the like of the current user. The user information to be identified and the user identity information to be matched can be the same type of user information or different types of user information. The user transaction information includes transaction type, transaction amount and the like. User transaction information can be directly input into the transaction equipment, and transaction efficiency is improved. And if the user information to be identified is matched with the user identity information to be matched, the current user is the target user.
Referring to fig. 4, in order to further improve the reliability of the transaction security control, step 100 includes:
step 101: and receiving the identity information of the user to be identified, which is acquired by the first user identity intelligent identification device, and the environment detection data acquired by the environment detection sensor.
Step 102: and judging whether the user identity information to be identified is matched with the user identity information in the pre-acquired user identity information base or not, if so, judging that the protection cabin is in an idle state according to the environment detection data, and controlling the cabin door to be opened.
Specifically, the user identity information base includes a corresponding relationship between the account information and each type of user information, and may be stored in the target database in advance. It can be understood that if the protection cabin is judged to be in the using state according to the environment detection data, namely the human body movement induction sensor receives human body movement information, the cabin door is controlled to be closed.
Step 103: and receiving the identity information of the user to be matched, which is acquired by the second user identity intelligent identification equipment.
To further improve the reliability of the transaction security control, step 200 includes:
step 201: and obtaining account information corresponding to the identity information of the user to be identified and the identity information of the user to be matched from a pre-obtained user identity information base.
Step 202: and judging whether the account information corresponding to the identity information of the user to be identified is consistent with the account information corresponding to the identity information of the user to be matched.
And if the account information corresponding to the identity information of the user to be identified is consistent with the account information corresponding to the identity information of the user to be matched, matching the identity information of the user to be identified with the identity information of the user to be matched, and if the identity information of the user to be identified is not consistent, mismatching.
In order to realize the remote assistance operation of the intelligent teller machine, in one embodiment of the application, if a remote video assistance request is received, a communication connection between the transaction device and a target remote assistance platform system is established.
Specifically, through establishing communication connection between the transaction equipment and the target remote assistance platform system, audio and/or video interaction between a user and a worker can be realized, a cursor of the transaction equipment is remotely controlled, remote authorization, remote marketing and the like are realized, and in addition, safety protection of remote assistance can be realized by combining the intelligent teller machine provided by the application.
In order to further improve the diversity and reliability of the transaction security control, in an embodiment of the present application, the transaction security control method further includes:
and receiving environment detection data acquired by the environment detection sensor in real time, and judging whether the transaction environment in the protection cabin is reliable or not according to the environment detection data.
Specifically, if the environment detection data exceeds an alarm threshold, alarm information is output and a user is prompted in real time, the environment detection data can be smoke concentration, air quality, temperature and the like, the environment detection data correspond to the alarm threshold, and the alarm threshold can be set according to actual conditions.
In order to further explain the present scheme, the present application further provides a specific application example of the intelligent teller machine based on the internet of things, and in the specific application example, the intelligent teller machine based on the internet of things includes: transaction equipment, hatch door equipment, customer identification equipment, security protection equipment and other equipment, the specific description is as follows:
1) the transaction equipment integrates a conventional version intelligent teller machine comprising module components such as a bank card reader, an identity card reader, a transaction main interface touch screen, a support display auxiliary screen, a card issuing shield box, a printer and the like.
Specifically, the transaction equipment is an existing intelligent teller machine of a bank outlet, and comprises a physical host and an operating system, and corresponding Internet of things platform access software is installed on the physical host and the operating system; referring to fig. 5, the intelligent teller machine establishes a remote video support mode, and implements service consultation, service audit and remote marketing through a remote collaboration platform system; specifically, audio-video interaction between a user and an agent, instruction of user operation by the agent, cooperative movement of a user cursor by the agent, remote authorization of the agent, remote marketing by the agent and the like are realized.
2) And the cabin door equipment is an equipment door capable of systematically controlling the opening and closing and atomizing the cabin door.
Specifically, the cabin door equipment comprises a host system and is provided with corresponding Internet of things platform access software; the cabin door equipment can receive instructions or set local instructions through the Internet of things software to perform operations such as opening and closing processing, door room glass atomization and the like.
3) The client recognition equipment comprises cameras which are respectively arranged outside and inside the cabin body and are used for collecting face images for face recognition of the client.
Specifically, a customer identification device is installed on the equipment compartment door, and a customer medium or biological identification mode is supported, for example, bank card, identity card, face and fingerprint identification can be supported; after the customer is identified, the system is linked to open the cabin door, and simultaneously customer information is transmitted to the transaction equipment; the client identification equipment comprises a host and a system thereof, and is provided with corresponding Internet of things platform access software.
4) The security equipment is characterized in that a security monitoring camera, a telephone talkback and behavior detector and other detection equipment are arranged in the cabin body for security detection and alarm.
Specifically, a security product and a matching system are installed, and security monitoring and processing in the equipment cabin are achieved.
5) And other equipment, wherein the cabin is internally and integrally provided with lighting equipment, air conditioning equipment, audio equipment, air detection equipment and corresponding sensors of the Internet of things.
Specifically, the intelligent teller machine provided by the specific application example comprises a smoke alarm sensor, a power supply, an air quality sensor, an illumination intensity sensor, a human body movement induction sensor, an air conditioner/fresh air and a corresponding controller. And each device is respectively provided with access software for accessing the Internet of things platform. The human body movement induction sensor senses whether a client enters the cabin body, and the network point master control adjusts light as required; the temperature sensor collects the temperature in real time and transmits the temperature to the network point master control to adjust the room temperature; PM2.5 is monitored in real time, and the Internet of things detects in real time and automatically adjusts a fresh air system to purify air.
Referring to fig. 6, in this specific application example, the internet of things platform includes: device terminal layer 10: each device is accessed to the Internet of things platform through Internet of things software; the internet of things platform layer 20: establishing an Internet of things platform system; the application management layer 30: establishing application control modules for equipment management, query, monitoring, alarm and the like; the user operation layer 40: and realizing front-end application service software based on the application management layer service.
According to the description, the intelligent teller machine and the transaction safety control method can improve the intelligent degree and the structural reliability of the intelligent teller machine, and further improve the reliability of the transaction safety control; specifically, the privacy protection and voice man-machine interaction of the intelligent teller machine can be realized by arranging a closed cabin; through remote video assistance and security monitoring, the intelligent teller machine can be deployed without people; by arranging the cabin external identification equipment, the intelligent teller machine can identify the client before entering the cabin, and can also be used for door opening notification and system welcome display after entering the cabin; the method comprises the steps that whether a customer enters a cabin or not is detected through a cabin interior sensor, and the cabin door of the equipment is closed in a linkage mode; the integrated integration and control system is based on the Internet of things technology and comprises transaction equipment, a protection cabin, user identity intelligent recognition equipment, security equipment, acousto-optic and electronic equipment and the like.
In terms of hardware, in order to improve the intelligence degree and the structural reliability of the intelligent teller machine and further improve the reliability of the transaction security control, the present application provides an embodiment of an electronic device for implementing all or part of the contents of the transaction security control method, where the electronic device specifically includes the following contents:
a processor (processor), a memory (memory), a communication Interface (Communications Interface), and a bus; the processor, the memory and the communication interface complete mutual communication through the bus; the communication interface is used for realizing information transmission between the intelligent teller machine, the user terminal and other related equipment; the electronic device may be a desktop computer, a tablet computer, a mobile terminal, and the like, but the embodiment is not limited thereto. In this embodiment, the electronic device may be implemented with reference to the embodiment for implementing the transaction security control method and the embodiment for implementing the intelligent teller machine in the embodiments, and the contents thereof are incorporated herein, and repeated descriptions are omitted.
Fig. 7 is a schematic block diagram of a system configuration of an electronic device 9600 according to an embodiment of the present application. As shown in fig. 7, the electronic device 9600 can include a central processor 9100 and a memory 9140; the memory 9140 is coupled to the central processor 9100. Notably, this fig. 7 is exemplary; other types of structures may also be used in addition to or in place of the structure to implement telecommunications or other functions.
In one or more embodiments of the present application, the transaction security control function can be integrated into the central processor 9100. The central processor 9100 may be configured to control as follows:
step 100: and receiving the user information to be identified collected by the first user identity intelligent identification device and the user identity information to be matched collected by the second user identity intelligent identification device.
Step 200: judging whether the user information to be identified is matched with the user identity information to be matched, if so, receiving the user transaction information of the target user and executing a transaction process according to the user transaction information; wherein, the user transaction information includes: voice transaction information and/or screen input transaction information.
From the above description, the electronic device provided in the embodiments of the present application can improve the intelligence degree and the structural reliability of the intelligent teller machine, and further improve the reliability of the transaction security control.
In another embodiment, the intelligent teller machine may be configured separately from the central processor 9100, for example, the intelligent teller machine may be configured as a chip connected to the central processor 9100, and the transaction security control function is implemented by the control of the central processor.
As shown in fig. 7, the electronic device 9600 may further include: a communication module 9110, an input unit 9120, an audio processor 9130, a display 9160, and a power supply 9170. It is noted that the electronic device 9600 also does not necessarily include all of the components shown in fig. 7; further, the electronic device 9600 may further include components not shown in fig. 7, which may be referred to in the art.
As shown in fig. 7, a central processor 9100, sometimes referred to as a controller or operational control, can include a microprocessor or other processor device and/or logic device, which central processor 9100 receives input and controls the operation of the various components of the electronic device 9600.
The memory 9140 can be, for example, one or more of a buffer, a flash memory, a hard drive, a removable media, a volatile memory, a non-volatile memory, or other suitable device. The information relating to the failure may be stored, and a program for executing the information may be stored. And the central processing unit 9100 can execute the program stored in the memory 9140 to realize information storage or processing, or the like.
An input unit 9120 provides input to the cpu 9100, the input unit 9120 is, for example, a key or a touch input device, a power supply 9170 supplies power to the electronic apparatus 9600, a display 9160 displays display objects such as images and characters, and the display may be, for example, an L CD display, but is not limited thereto.
The memory 9140 can be a solid state memory, e.g., Read Only Memory (ROM), Random Access Memory (RAM), a SIM card, or the like. There may also be a memory that holds information even when power is off, can be selectively erased, and is provided with more data, an example of which is sometimes called an EPROM or the like. The memory 9140 could also be some other type of device. Memory 9140 includes a buffer memory 9141 (sometimes referred to as a buffer). The memory 9140 may include an application/function storage portion 9142, the application/function storage portion 9142 being used for storing application programs and function programs or for executing a flow of operations of the electronic device 9600 by the central processor 9100.
The memory 9140 can also include a data store 9143, the data store 9143 being used to store data, such as contacts, digital data, pictures, sounds, and/or any other data used by an electronic device. The driver storage portion 9144 of the memory 9140 may include various drivers for the electronic device for communication functions and/or for performing other functions of the electronic device (e.g., messaging applications, contact book applications, etc.).
The communication module 9110 is a transmitter/receiver 9110 that transmits and receives signals via an antenna 9111. The communication module (transmitter/receiver) 9110 is coupled to the central processor 9100 to provide input signals and receive output signals, which may be the same as in the case of a conventional mobile communication terminal.
Based on different communication technologies, a plurality of communication modules 9110, such as a cellular network module, a bluetooth module, and/or a wireless local area network module, may be provided in the same electronic device. The communication module (transmitter/receiver) 9110 is also coupled to a speaker 9131 and a microphone 9132 via an audio processor 9130 to provide audio output via the speaker 9131 and receive audio input from the microphone 9132, thereby implementing ordinary telecommunications functions. The audio processor 9130 may include any suitable buffers, decoders, amplifiers and so forth. In addition, the audio processor 9130 is also coupled to the central processor 9100, thereby enabling recording locally through the microphone 9132 and enabling locally stored sounds to be played through the speaker 9131.
As can be seen from the above description, the electronic device provided in the embodiments of the present application can improve the intelligence degree and the structural reliability of the intelligent teller machine, and thus improve the reliability of the transaction security control.
Embodiments of the present application further provide a computer-readable storage medium capable of implementing all steps in the transaction security control method in the foregoing embodiments, where the computer-readable storage medium stores thereon a computer program, and when the computer program is executed by a processor, the computer program implements all steps of the transaction security control method in the foregoing embodiments, for example, when the processor executes the computer program, the processor implements the following steps:
step 100: and receiving the user information to be identified collected by the first user identity intelligent identification device and the user identity information to be matched collected by the second user identity intelligent identification device.
Step 200: judging whether the user information to be identified is matched with the user identity information to be matched, if so, receiving the user transaction information of the target user and executing a transaction process according to the user transaction information; wherein, the user transaction information includes: voice transaction information and/or screen input transaction information.
As can be seen from the above description, the computer-readable storage medium provided in the embodiments of the present application can improve the intelligence degree and the structural reliability of the intelligent teller machine, and thus improve the reliability of the transaction security control.
In the present application, each embodiment of the method is described in a progressive manner, and the same and similar parts among the embodiments are referred to each other, and each embodiment focuses on the differences from the other embodiments. Reference is made to the description of the method embodiments.
As will be appreciated by one skilled in the art, embodiments of the present application may be provided as a method, system, or computer program product. Accordingly, the present application may take the form of an entirely hardware embodiment, an entirely software embodiment or an embodiment combining software and hardware aspects. Furthermore, the present application may take the form of a computer program product embodied on one or more computer-usable storage media (including, but not limited to, disk storage, CD-ROM, optical storage, and the like) having computer-usable program code embodied therein.
The present application is described with reference to flowchart illustrations and/or block diagrams of methods, apparatus (systems), and computer program products according to embodiments of the application. It will be understood that each flow and/or block of the flow diagrams and/or block diagrams, and combinations of flows and/or blocks in the flow diagrams and/or block diagrams, can be implemented by computer program instructions. These computer program instructions may be provided to a processor of a general purpose computer, special purpose computer, embedded processor, or other programmable data processing apparatus to produce a machine, such that the instructions, which execute via the processor of the computer or other programmable data processing apparatus, create means for implementing the functions specified in the flowchart flow or flows and/or block diagram block or blocks.
These computer program instructions may also be stored in a computer-readable memory that can direct a computer or other programmable data processing apparatus to function in a particular manner, such that the instructions stored in the computer-readable memory produce an article of manufacture including instruction means which implement the function specified in the flowchart flow or flows and/or block diagram block or blocks.
These computer program instructions may also be loaded onto a computer or other programmable data processing apparatus to cause a series of operational steps to be performed on the computer or other programmable apparatus to produce a computer implemented process such that the instructions which execute on the computer or other programmable apparatus provide steps for implementing the functions specified in the flowchart flow or flows and/or block diagram block or blocks.
The principle and the implementation mode of the present application are explained by applying specific embodiments in the present application, and the description of the above embodiments is only used to help understanding the method and the core idea of the present application; meanwhile, for a person skilled in the art, according to the idea of the present application, there may be variations in the specific embodiments and the application scope, and in summary, the content of the present specification should not be construed as a limitation to the present application.
Claims (13)
1. An intelligent teller machine, comprising:
the system comprises a protection cabin, first user identity intelligent identification equipment, and transaction equipment, second user identity intelligent identification equipment and an environment detection sensor which are respectively arranged in the protection cabin, wherein a cabin door is arranged on one cabin wall of the protection cabin, and the first user identity intelligent identification equipment is arranged on the outer side of the cabin wall provided with the cabin door;
the first user identity intelligent recognition device, the second user identity intelligent recognition device, the cabin door and the environment detection sensor are respectively in communication connection with the transaction device, so that the transaction device receives and processes data respectively acquired by the first user identity intelligent recognition device, the second user identity intelligent recognition device, the cabin door and the environment detection sensor in real time.
2. The intelligent teller machine of claim 1 further comprising:
the human body proximity sensor is arranged on the outer side of the cabin wall provided with the cabin door and is in communication connection with the transaction equipment so as to send the human body proximity information to the transaction equipment for processing after receiving the human body proximity information.
3. The intelligent teller machine of claim 1 wherein the environmental detection sensor comprises: at least one of a smoke alarm sensor, an air quality sensor, an illumination intensity sensor, a human body movement induction sensor and a temperature sensor.
4. The intelligent teller machine of claim 1 further comprising: a microphone and a sound player arranged in the protection cabin;
the microphone and the sound player are respectively in communication connection with the trading equipment, and the microphone and the sound player are both arranged in a preset user operable range taking the trading equipment as a center.
5. The intelligent teller machine according to claim 1 wherein the hatch door is an electrically powered fog glass door such that when the hatch door is locked from the inside, the door is triggered to be electrically powered to convert the door from a transparent state to a non-transparent state.
6. The intelligent teller machine of claim 1 wherein said first user identification smart identification device comprises: a card reader and/or biometric device; the second user identity intelligent recognition device comprises: a card reader and/or a biometric device.
7. A transaction security control method implemented by the intelligent teller machine according to any one of claims 1 to 6, the method comprising:
receiving user information to be identified collected by the first user identity intelligent identification device and user identity information to be matched collected by the second user identity intelligent identification device;
judging whether the user information to be identified is matched with the user identity information to be matched, if so, receiving the user transaction information of the target user and executing a transaction process according to the user transaction information;
wherein the user transaction information comprises: voice transaction information and/or screen input transaction information.
8. The transaction security control method according to claim 7, wherein the receiving the user information to be identified collected by the first smart user identity recognition device and the user identity information to be matched collected by the second smart user identity recognition device includes:
receiving user identity information to be identified collected by the first user identity intelligent identification device and environment detection data collected by the environment detection sensor;
judging whether the user identity information to be identified is matched with user identity information in a pre-acquired user identity information base or not, if so, judging that the protection cabin is in an idle state according to the environment detection data, and controlling the cabin door to be opened;
and receiving the identity information of the user to be matched, which is acquired by the second user identity intelligent identification equipment.
9. The transaction security control method of claim 7, wherein the determining whether the user information to be identified matches the user identity information to be matched comprises:
acquiring account information corresponding to the identity information of the user to be identified and the identity information of the user to be matched from a pre-acquired user identity information base;
and judging whether the account information corresponding to the identity information of the user to be identified is consistent with the account information corresponding to the identity information of the user to be matched.
10. The transaction security control method according to claim 7, further comprising:
and if a remote video assistance request is received, establishing communication connection between the transaction equipment and a target remote assistance platform system.
11. The transaction security control method according to claim 7, further comprising:
and receiving environment detection data acquired by the environment detection sensor in real time, and judging whether the transaction environment in the protection cabin is reliable or not according to the environment detection data.
12. An electronic device comprising a memory, a processor and a computer program stored on the memory and executable on the processor, wherein the processor implements the transaction security control method of any one of claims 7 to 11 when executing the program.
13. A computer-readable storage medium having computer instructions stored thereon which, when executed, implement the transaction security control method of any one of claims 7 to 11.
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Effective date of registration: 20220914 Address after: 25 Financial Street, Xicheng District, Beijing 100033 Patentee after: CHINA CONSTRUCTION BANK Corp. Address before: 25 Financial Street, Xicheng District, Beijing 100033 Patentee before: CHINA CONSTRUCTION BANK Corp. Patentee before: Jianxin Financial Science and Technology Co.,Ltd. |