CN113903126A - Banking business handling system and method based on ATM platform - Google Patents
Banking business handling system and method based on ATM platform Download PDFInfo
- Publication number
- CN113903126A CN113903126A CN202111173408.5A CN202111173408A CN113903126A CN 113903126 A CN113903126 A CN 113903126A CN 202111173408 A CN202111173408 A CN 202111173408A CN 113903126 A CN113903126 A CN 113903126A
- Authority
- CN
- China
- Prior art keywords
- self
- service
- atm
- user
- subunit
- 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.)
- Pending
Links
- 238000000034 method Methods 0.000 title claims abstract description 17
- 230000003993 interaction Effects 0.000 claims abstract description 35
- 238000004891 communication Methods 0.000 claims abstract description 25
- 238000004364 calculation method Methods 0.000 claims description 15
- 238000012546 transfer Methods 0.000 claims description 10
- 230000002452 interceptive effect Effects 0.000 claims description 3
- 238000012795 verification Methods 0.000 abstract description 3
- 230000008569 process Effects 0.000 description 5
- 230000001680 brushing effect Effects 0.000 description 4
- 230000008859 change Effects 0.000 description 3
- 238000012790 confirmation Methods 0.000 description 3
- 238000012544 monitoring process Methods 0.000 description 2
- 230000009286 beneficial effect Effects 0.000 description 1
- 238000011161 development Methods 0.000 description 1
- 238000005516 engineering process Methods 0.000 description 1
- 238000012423 maintenance Methods 0.000 description 1
- 238000004519 manufacturing process Methods 0.000 description 1
- 238000012545 processing Methods 0.000 description 1
- 238000011160 research Methods 0.000 description 1
- 238000012954 risk control Methods 0.000 description 1
- 230000004083 survival effect Effects 0.000 description 1
- 239000002699 waste material Substances 0.000 description 1
Images
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]
- G07F19/209—Monitoring, auditing or diagnose of functioning of ATMs
-
- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/08—Payment architectures
- G06Q20/18—Payment architectures involving self-service terminals [SST], vending machines, kiosks or multimedia terminals
-
- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/22—Payment schemes or models
- G06Q20/24—Credit schemes, i.e. "pay after"
-
- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/38—Payment protocols; Details thereof
- G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
- G06Q20/401—Transaction verification
- G06Q20/4014—Identity check for transactions
- G06Q20/40145—Biometric identity checks
-
- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
- G06Q40/02—Banking, e.g. interest calculation or account maintenance
-
- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
- G06Q40/03—Credit; Loans; Processing thereof
Landscapes
- Business, Economics & Management (AREA)
- Accounting & Taxation (AREA)
- Engineering & Computer Science (AREA)
- Finance (AREA)
- Physics & Mathematics (AREA)
- General Physics & Mathematics (AREA)
- Strategic Management (AREA)
- General Business, Economics & Management (AREA)
- Theoretical Computer Science (AREA)
- Economics (AREA)
- Marketing (AREA)
- Technology Law (AREA)
- Development Economics (AREA)
- Computer Security & Cryptography (AREA)
- Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)
Abstract
The invention provides a banking business handling system and method based on an ATM platform, which comprises a banking host and an ATM, wherein the banking host is connected with a front-end communication system of the ATM, the ATM comprises a user identity recognizer and a user interaction interface, the user identity recognizer is in communication connection with a terminal equipment control system of the ATM, the user interaction interface comprises a self-service loan unit, a self-service financing unit and a self-service credit card application unit, and the terminal equipment control system of the ATM and the banking host realize handling of user self-service loan, self-service financing and self-service credit card application business in a message interaction mode through the front-end communication system of the ATM. Expanding the self-service loan, self-service financing and self-service credit card application services of the bank to an ATM platform, and expanding the business channel of the bank; the ATM comprises an infrared binocular camera, and when a user transacts business, account number and password verification is performed by combining bank card identification or identity card number identification, so that the transaction risk is reduced.
Description
Technical Field
The invention belongs to the field of banking business handling systems, and particularly relates to a banking business handling system and method based on an ATM platform.
Background
With the development of internet technology, mobile payment is more and more popular, online payment modes such as WeChat and Paibao greatly impact paper money payment modes, ATM machines are being marginalized gradually, China is used as the second largest economic entity in the world, the number of ATM machines is huge, but the arrival of mobile payment causes a plurality of ATM machines to be idle, so that the loss of banks is not small, the waste of national resources is caused, and therefore how to upgrade ATM machines and further expand bank services is a problem worthy of research.
Chinese patent CN 104361692 a discloses a transaction monitoring method applied to a transaction flow in an ATM transaction system, which includes: the ATM front-end system receives a transaction message of a first transaction type on a first transaction link and receives a transaction message of a second transaction type on a second transaction link; the ATM front-end system stores and forwards a transaction link in the transaction link, wherein the transaction link comprises an access channel, a data processing channel and an output channel; and the ATM front-end system respectively monitors the transaction of the first transaction link and the second transaction link according to the stored and forwarded content.
Although the ATM is used for transaction monitoring, the ATM is essentially only used as a business auxiliary function and does not further expand the functions and functions of the ATM, so that the problem that how to expand the functions of the ATM and promote banking business under the impact of mobile payment of the ATM in China is solved.
Disclosure of Invention
The invention expands the self-service loan, self-service financing and self-service credit card application business of the bank to the ATM platform, so as to solve the problem that the ATM can not be fully utilized under the mobile payment at present, and the specific scheme is as follows:
the utility model provides a system is handled to banking based on ATM platform, includes bank's host computer and ATM, the bank's host computer is connected with the leading communication system of ATM, the ATM includes user identity recognizer and the user interaction interface who is connected with the terminal equipment control system communication of ATM, user interaction interface is including loan unit, self-service financial management unit, self-service credit card application unit by oneself, the terminal equipment control system of ATM and the handling of bank's host computer through the leading communication system of ATM with message interactive mode realization user loan by oneself, self-service financial management, self-service credit card application service.
Further, the user identity recognizer comprises an infrared binocular camera and a card reader.
Further, the bank host can perform self-service loan, self-service financing and self-service credit card application service transaction after confirming the user identity information identified by the infrared binocular camera and the card reader.
Further, the user needs to input an account password when transacting the self-service loan, self-service financing and self-service credit card application business, and the bank host confirms that the account password is consistent with the face data of the user and the account password corresponding to the bank card data, so that the application can be passed.
Further, after the terminal equipment control system of the ATM receives the user identity information uploaded by the infrared binocular camera, the user interaction interface displays a user identification number input window, and the terminal equipment control system of the ATM for inputting the identification number by the user can process self-service loan, self-service financial management and self-service credit card application services only after the user face data and the identification number data are sent to a bank host through a front-end communication system message of the ATM.
Furthermore, the user needs to input an account password when transacting the self-service loan, self-service financing and self-service credit card application business, and the bank host computer confirms that the account password is consistent with the face data of the user and the account password corresponding to the identity card number, so that the user can pass the application.
Specifically, the invention provides a banking transaction method based on an ATM platform, which comprises the following steps:
s1: the user selects services from a self-service loan unit, a self-service financing unit and a self-service credit card application unit displayed on a user interaction interface of the ATM for transaction, and the face of the user is aligned with the infrared binocular camera and a bank card is inserted into the card reader;
s2: the infrared binocular camera sends the recognized face data of the user and the read bank card data of the user to a terminal equipment control system of the ATM through the card reader;
s3: the terminal equipment control system of the ATM sends the user face data and the bank card data to the bank host through the prepositive communication system message of the ATM;
s4: the bank host machine realizes the self-service loan, the self-service financing and the transaction of the self-service credit card application business of the user in a message interaction mode through the front-end communication system of the ATM;
and S5, the user submits the transacted business, the user interaction interface of the ATM displays an account password input window, the user inputs an account password, and the bank host confirms whether the account password is consistent with the face data of the user and the account password corresponding to the bank card data, if so, the application is passed, and if not, the application is not passed.
Further, the step S1 is: the user selects services from a self-service loan unit, a self-service financing unit and a self-service credit card application unit displayed on a user interaction interface of the ATM for transaction, and the face of the user is aligned with the infrared binocular camera; the step S2 is: the infrared binocular camera sends the recognized face data of the user to a terminal equipment control system of the ATM, and a user interaction interface of the ATM displays a user identification number input window; step S3 is: the terminal equipment control system of the ATM sends the user face data and the user identification number data to the bank host through the preposed communication system message of the ATM; step S5 is: the user submits the transacted business, an account password input window is displayed on a user interaction interface of the ATM, the user inputs an account password, and the bank host confirms whether the account password is consistent with the account password corresponding to the face data and the identity number of the user, if so, the application is passed, and if not, the application is not passed.
Further, the user self-service loan, self-service financing and self-service credit card application service is uploaded and stored to the bank host.
Further, the self-service loan unit comprises a loan contract information inquiry subunit, a self-service cycle loan information inquiry subunit through card number, an overdue normal bill trial calculation subunit, a partial or all advance repayment trial calculation subunit, a self-service cycle loan establishment subunit, a partial or all advance repayment subunit, and an overdue or normal repayment subunit; the self-service financing unit comprises a financing product approval/procurement subunit, a financing commission inquiring subunit, a financing product held by a client inquiring subunit, a financing product list inquiring subunit, a financing product detailed information inquiring subunit, a financing commission cancelling subunit, a debit card active-period-transfer pin unit, a active-period subunit and a debit card account information inquiring subunit; the self-service credit card application unit comprises a credit card staged trial calculation subunit, a credit card ordinary cash staged subunit, a credit card bill staged subunit, a credit card transaction staged subunit, a credit card general overdraft account historical bill subunit, a credit card basic overdraft account detail inquiry subunit and a credit card repayment subunit, wherein the credit card staged trial calculation subunit comprises a transaction subunit, a cash subunit and a bill subunit.
The invention has the beneficial effects that: 1. the self-service loan, self-service financing and self-service credit card application services of the bank are expanded to the ATM platform, so that the functions of the ATM are not limited to the storage and transfer services of paper money, but have other financial service handling functions, partial services of the bank can be shunted, the bank revenue channel is expanded, and the impact of mobile payment on the use of the ATM is reduced; the ATM comprises an infrared binocular camera, can perform face recognition on a user, performs account password verification by combining bank card recognition or identity card number recognition when the user transacts business, realizes multiple verification, ensures authenticity and business risk control of the user, and effectively reduces transaction risk.
Drawings
FIG. 1 is a flow chart of a banking transaction system device connection;
FIG. 2 is a flow chart of the ATM terminal device control system and the identity recognizer and user interaction interface connection;
FIG. 3 is a flowchart of example 1;
FIG. 4 is a flowchart of example 2.
Detailed Description
The technical solutions in the embodiments of the present invention will be clearly and completely described below with reference to the drawings in the embodiments of the present invention, and it is obvious that the described embodiments are only a part of the embodiments of the present invention, and not all of the embodiments.
As shown in fig. 1 and 2, the banking transaction system based on the ATM platform comprises a bank host and an ATM, wherein the bank host is connected with a front-end communication system of the ATM, the ATM comprises a user identity recognizer and a user interaction interface, the user identity recognizer is in communication connection with a terminal equipment control system of the ATM, and the user identity recognizer comprises an infrared binocular camera and a card reader. The user interaction interface comprises a self-service loan unit, a self-service financing unit and a self-service credit card application unit, and the terminal equipment control system of the ATM and the bank host machine realize the handling of user self-service loan, self-service financing and self-service credit card application business in a message interaction mode through the front-end communication system of the ATM.
The system can acquire user information in a face recognition mode and a bank card recognition mode: the bank host confirms the user identity information identified by the infrared binocular camera and the card reader and then can conduct self-service loan, self-service financing and self-service credit card application business, the user needs to input an account password when transacting the self-service loan, self-service financing and self-service credit card application business, the bank host confirms that the account password is consistent with the face data of the user and the account password corresponding to the bank card data, and the application can be passed.
The system can also acquire user information through face recognition and identification card numbers: after a terminal equipment control system of the ATM receives user identity information uploaded by an infrared binocular camera, a user interaction interface displays a user identity card number input window, the user inputs the user face data and the identity card number data through a front-end communication system message of the ATM to a bank host machine, then self-service loan, self-service financial management and self-service credit card application service can be handled, the user needs to input an account password when handling the self-service loan, self-service financial management and self-service credit card application service, and the bank host machine confirms that the account password is consistent with the face data of the user and the account password corresponding to the identity card number and can apply for passing.
As shown in fig. 3, example 1: the business handling mode of the system for acquiring the user information through the face recognition mode and the bank card recognition mode is as follows:
s1: the user selects services from a self-service loan unit, a self-service financing unit and a self-service credit card application unit displayed on a user interaction interface of the ATM for transaction, and the face of the user is aligned with the infrared binocular camera and a bank card is inserted into the card reader;
s2: the infrared binocular camera sends the recognized face data of the user and the read bank card data of the user to a terminal equipment control system of the ATM through the card reader;
s3: the terminal equipment control system of the ATM sends the user face data and the bank card data to the bank host through the prepositive communication system message of the ATM;
s4: the bank host machine realizes the self-service loan, the self-service financing and the transaction of the self-service credit card application business of the user in a message interaction mode through the front-end communication system of the ATM;
and S5, the user submits the transacted business, the user interaction interface of the ATM displays an account password input window, the user inputs an account password, and the bank host confirms whether the account password is consistent with the face data of the user and the account password corresponding to the bank card data, if so, the application is passed, and if not, the application is not passed.
As shown in fig. 4, example 2: the system obtains the business handling mode of the user information through face recognition and the identity card number as follows:
s1: the user selects services from a self-service loan unit, a self-service financing unit and a self-service credit card application unit displayed on a user interaction interface of the ATM for transaction, and the face of the user is aligned with the infrared binocular camera;
s2: the infrared binocular camera sends the recognized face data of the user to a terminal equipment control system of the ATM, and a user interaction interface of the ATM displays a user identification number input window;
s3: the terminal equipment control system of the ATM sends the user face data and the user identification number data to the bank host through the preposed communication system message of the ATM;
s4: the bank host machine realizes the self-service loan, the self-service financing and the transaction of the self-service credit card application business of the user in a message interaction mode through the front-end communication system of the ATM;
s5: the user submits the transacted business, an account password input window is displayed on a user interaction interface of the ATM, the user inputs an account password, and the bank host confirms whether the account password is consistent with the account password corresponding to the face data and the identity number of the user, if so, the application is passed, and if not, the application is not passed.
In the embodiment 1 and the embodiment 2, the user self-service loan, self-service financing and self-service credit card application business are uploaded and saved to the bank host. The access authority of the bank host is strictly controlled, only related production operation and maintenance personnel can authorize login, and program change is carried out at each time by two persons, one person operates, one person rechecks and supervises mutually, so that the safety of transaction can be ensured.
The self-service loan unit comprises a loan contract information inquiry subunit, a self-service cycle loan information inquiry subunit through card number, an overdue normal bill trial calculation subunit, a partial or all advance repayment trial calculation subunit, a self-service cycle loan establishment subunit, a partial or all advance repayment subunit and an overdue or normal repayment subunit; the self-service financing unit comprises a financing product approval/procurement subunit, a financing commission inquiring subunit, a financing product held by a client inquiring subunit, a financing product list inquiring subunit, a financing product detailed information inquiring subunit, a financing commission cancelling subunit, a debit card active-period-transfer pin unit, a active-period subunit and a debit card account information inquiring subunit; the self-service credit card application unit comprises a credit card stage trial calculation subunit, a credit card common cash stage subunit, a credit card bill stage subunit, a credit card transaction stage subunit, a credit card general overdraft account history bill inquiring subunit, a credit card basic overdraft account detail inquiring subunit and a credit card repayment subunit, wherein the credit card stage trial calculation subunit comprises a transaction subunit, a cash subunit and a bill subunit. A
The process flows of the partial services of self-service loan, self-service financing and self-service credit card application are as follows:
(1) partial business process of automatic loan
Displaying an interactive interface of the ATM, wherein a user selects loan service → selects specific operation types (self-service borrowing, self-service repayment, repayment trial and calculation, loan query) → face brushing + input of identity card number/bank card login → query of valid loan service under the ID and display of information of holding loan service (no loan service prompts the client to have no related service) → cycle loan carries out next operation according to the operation types selected by the client (non-cycle loan only displays loan information) → borrowing amount and term are input; secondly, the repayment is input with the repayment amount after the loan is selected; and thirdly, the interest trial calculation selects the loan and inputs the trial calculation till date. → confirmation of transaction information input account password → display of transaction result.
(2) Self-help financing part business process
The method comprises the steps of displaying a user interaction interface of an ATM (automatic teller machine), selecting investment and financing → selecting a specific operation type (financing purchase, financing redemption, financing holding, free circulation and redemption cancellation) → face brushing + identity card number input/bank card login → firstly financing purchase → risk prompt → product detail → financing purchase → purchase amount input (according with amount rules); second, redeeming financing → inquiring the named financing product → choosing to redeem (not providing redeeming function in closed type); displaying detailed information of the held products by the held financing; fourthly, alternate survival → periodical change to the current period/periodical change to the current period; redemption cancellation → application of redemption under inquiry name → financial redemption selection → redemption confirmation. → confirming the transaction information input account password of each operation → displaying the transaction result.
(3) Partial business process of self-service credit card application
Displaying a user interaction interface of the ATM, selecting a credit card → selecting a specific operation type (bill inquiry, repayment, staging and cash transfer) → face brushing + inputting an identity card number/credit card login → face brushing login, providing a credit card list under a client name, and displaying the bill information of watching the card after selecting the card; the credit card registration provides inquiry and displays the bill information of the card → repayment, bill stage, cash transfer → repayment → lowest amount/whole/partial repayment → input repayment amount → inquiry of the account under the name and selection of the repayment fund transfer to the account; secondly, the bill is divided into stages → the dividable amount and the number of stages are displayed → the number of stages is selected; cash staging → credit card selection (credit card not registered) → transfer to account selection, staging number, and fund use selection; the method comprises the steps of (1) cash transfer → selection of a credit card (no credit card is registered), display of a transferable deposit amount \ an available overdraft amount → selection of a transfer account (personal account list) → deposit/overdraft amount and a commission charge. → confirmation of cash transfer-out information → input of account password → display of transaction result.
It will be evident to those skilled in the art that the invention is not limited to the details of the foregoing illustrative embodiments, and that the present invention may be embodied in other specific forms without departing from the spirit or essential attributes thereof. The present embodiments are therefore to be considered in all respects as illustrative and not restrictive, the scope of the invention being indicated by the appended claims rather than by the foregoing description, and all changes which come within the meaning and range of equivalency of the claims are therefore intended to be embraced therein. Any reference sign in a claim should not be construed as limiting the claim concerned.
Claims (10)
1. The utility model provides a system is handled to banking based on ATM platform, includes bank's host computer and ATM, the leading communication system of bank's host computer and ATM is connected which characterized in that: the ATM comprises a user identity recognizer and a user interaction interface which are in communication connection with a terminal equipment control system of the ATM, the user interaction interface comprises a self-service loan unit, a self-service financial management unit and a self-service credit card application unit, and the terminal equipment control system of the ATM and a bank host machine realize the handling of self-service loan, self-service financial management and self-service credit card application business of a user in a message interaction mode through a front communication system of the ATM.
2. An ATM platform based banking system according to claim 1 further including: the user identity recognizer comprises an infrared binocular camera and a card reader.
3. An ATM platform based banking system according to claim 2 further including: and the bank host can perform self-service loan, self-service financing and self-service credit card application service transaction after confirming the user identity information identified by the infrared binocular camera and the card reader.
4. The system of claim 3, wherein the user inputs an account password for the self-service loan, self-service financing and self-service credit card application service, and the bank host computer confirms that the account password is consistent with the face data of the user and the account password corresponding to the bank card data, and the application can be passed.
5. The banking business handling system based on the ATM platform according to claim 4, wherein after the terminal device control system of the ATM receives the user identity information uploaded by the infrared binocular camera, the user interaction interface displays a user identification number input window, and the terminal device control system of the ATM with the user input identification number can handle self-help loan, self-help financing and self-help credit card application business after the user face data and the identification number data are sent to a bank host through a front communication system message of the ATM.
6. The system of claim 5, wherein the user inputs an account password for the self-service loan, self-service financing and self-service credit card application service, and the bank host computer confirms that the account password is consistent with the face data of the user and the account password corresponding to the identification number, and then the user can apply for passing.
7. A banking transaction method based on an ATM platform is characterized by comprising the following steps:
s1: the user selects services from a self-service loan unit, a self-service financing unit and a self-service credit card application unit displayed on a user interaction interface of the ATM for transaction, and the face of the user is aligned with the infrared binocular camera and a bank card is inserted into the card reader;
s2: the infrared binocular camera sends the recognized face data of the user and the read bank card data of the user to a terminal equipment control system of the ATM through the card reader;
s3: the terminal equipment control system of the ATM sends the user face data and the bank card data to the bank host through the prepositive communication system message of the ATM;
s4: the bank host machine realizes the self-service loan, the self-service financing and the transaction of the self-service credit card application business of the user in a message interaction mode through the front-end communication system of the ATM;
and S5, the user submits the transacted business, the user interaction interface of the ATM displays an account password input window, the user inputs an account password, and the bank host confirms whether the account password is consistent with the face data of the user and the account password corresponding to the bank card data, if so, the application is passed, and if not, the application is not passed.
8. The banking transaction method based on the ATM platform according to claim 7, wherein the step S1 is that the user selects the service transaction from the self-service loan unit, the self-service financing unit and the self-service credit card application unit displayed on the user interactive interface of the ATM, and the face of the user is aligned with the infrared binocular camera; the step S2 is: the infrared binocular camera sends the recognized face data of the user to a terminal equipment control system of the ATM, and a user interaction interface of the ATM displays a user identification number input window; step S3 is: the terminal equipment control system of the ATM sends the user face data and the user identification number data to the bank host through the preposed communication system message of the ATM; step S5 is: the user submits the transacted business, an account password input window is displayed on a user interaction interface of the ATM, the user inputs an account password, and the bank host confirms whether the account password is consistent with the account password corresponding to the face data and the identity number of the user, if so, the application is passed, and if not, the application is not passed.
9. An ATM platform based banking transaction method according to claim 8 wherein the user self-service loan, self-service financing, self-service credit card application transaction is uploaded and saved to the bank host.
10. The ATM platform based banking transaction method according to claim 9, wherein the self-service loan unit comprises a loan contract information query subunit, a self-service cycle loan information query subunit through a card number, an overdue normal bill trial calculation subunit, a partial or all advance repayment trial calculation subunit, a self-service cycle loan establishment subunit, a partial or all advance repayment subunit, an overdue or normal repayment subunit; the self-service financing unit comprises a financing product approval/procurement subunit, a financing commission inquiring subunit, a financing product held by a client inquiring subunit, a financing product list inquiring subunit, a financing product detailed information inquiring subunit, a financing commission cancelling subunit, a debit card active-period-transfer pin unit, a active-period subunit and a debit card account information inquiring subunit; the self-service credit card application unit comprises a credit card staged trial calculation subunit, a credit card ordinary cash staged subunit, a credit card bill staged subunit, a credit card transaction staged subunit, a credit card general overdraft account historical bill subunit, a credit card basic overdraft account detail inquiry subunit and a credit card repayment subunit, wherein the credit card staged trial calculation subunit comprises a transaction subunit, a cash subunit and a bill subunit.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN202111173408.5A CN113903126A (en) | 2021-10-08 | 2021-10-08 | Banking business handling system and method based on ATM platform |
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN202111173408.5A CN113903126A (en) | 2021-10-08 | 2021-10-08 | Banking business handling system and method based on ATM platform |
Publications (1)
| Publication Number | Publication Date |
|---|---|
| CN113903126A true CN113903126A (en) | 2022-01-07 |
Family
ID=79190624
Family Applications (1)
| Application Number | Title | Priority Date | Filing Date |
|---|---|---|---|
| CN202111173408.5A Pending CN113903126A (en) | 2021-10-08 | 2021-10-08 | Banking business handling system and method based on ATM platform |
Country Status (1)
| Country | Link |
|---|---|
| CN (1) | CN113903126A (en) |
Citations (6)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN102364527A (en) * | 2011-10-21 | 2012-02-29 | 中国科学技术大学 | Real-time identity recognition and authentication method for self-service equipment system of bank |
| CN105631500A (en) * | 2016-03-08 | 2016-06-01 | 中国工商银行股份有限公司 | Intelligent self-service terminal, intelligent self-service system and transaction request processing method |
| CN108537660A (en) * | 2018-06-28 | 2018-09-14 | 成都蓝锦科技有限公司 | Unmanned loan system |
| CN109034830A (en) * | 2018-10-15 | 2018-12-18 | 上海译会信息科技有限公司 | A kind of management of personal money auxiliary system |
| CN109903482A (en) * | 2019-03-27 | 2019-06-18 | 湖南长城信息金融设备有限责任公司 | The intelligent self-service equipment of tea-table type |
| TW201942879A (en) * | 2018-03-31 | 2019-11-01 | 華南商業銀行股份有限公司 | Transaction system based on face recognition for verification and method thereof |
-
2021
- 2021-10-08 CN CN202111173408.5A patent/CN113903126A/en active Pending
Patent Citations (6)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN102364527A (en) * | 2011-10-21 | 2012-02-29 | 中国科学技术大学 | Real-time identity recognition and authentication method for self-service equipment system of bank |
| CN105631500A (en) * | 2016-03-08 | 2016-06-01 | 中国工商银行股份有限公司 | Intelligent self-service terminal, intelligent self-service system and transaction request processing method |
| TW201942879A (en) * | 2018-03-31 | 2019-11-01 | 華南商業銀行股份有限公司 | Transaction system based on face recognition for verification and method thereof |
| CN108537660A (en) * | 2018-06-28 | 2018-09-14 | 成都蓝锦科技有限公司 | Unmanned loan system |
| CN109034830A (en) * | 2018-10-15 | 2018-12-18 | 上海译会信息科技有限公司 | A kind of management of personal money auxiliary system |
| CN109903482A (en) * | 2019-03-27 | 2019-06-18 | 湖南长城信息金融设备有限责任公司 | The intelligent self-service equipment of tea-table type |
Similar Documents
| Publication | Publication Date | Title |
|---|---|---|
| US7319977B2 (en) | Discount-instrument methods and systems | |
| US8261977B2 (en) | Methods and systems for using an interface and protocol extensions to perform a financial transaction | |
| US11544681B1 (en) | Merchant performed banking-type transactions | |
| US20060261150A1 (en) | Money transfer cards, systems and methods | |
| WO2008018052A4 (en) | Secure mechanism and system for processing financial transactions | |
| US20090171838A1 (en) | Systems and methods wherein a credit product is offered in accordance with usage of a pre-paid card account | |
| CN101689248A (en) | Bulk activation of portable consumer payment devices | |
| CN106529997A (en) | Precision interactive marketing system and method based on bank self-service device | |
| CN107808285A (en) | A kind of method of payment, equipment and computer-readable recording medium | |
| Ijeoma et al. | Electronic banking and customer satisfaction in Imo State (A study of selected commercial banks in Imo State) | |
| Ozuru et al. | The use of traditional payments and electronic payment systems in Nigeria: A discourse | |
| US11704691B1 (en) | Methods and system for providing ATM non-customer lead information | |
| CN113903126A (en) | Banking business handling system and method based on ATM platform | |
| CN112581251B (en) | System with credit overdraft and consumption loan functions | |
| CN107093289A (en) | A kind of Multifunctional ticket system and operating method | |
| JP2001282994A (en) | Method and system for managing overdue credit | |
| JP2003108764A (en) | Automatic transaction device and transaction method using the same | |
| US20200134584A1 (en) | Apparatus and methods for conducting atm transactions | |
| CN105719061A (en) | Off-line cashing management system and method | |
| US20050043993A1 (en) | Program controlled apparatus, system and method for soliciting personal information from a user over an interactive communications network and dynamically selecting and transmitting graphics based routines to the user for displaying content selected according to the information input by the user and corresponding demographic, geographic and psychographic profile | |
| US20190295094A1 (en) | System and method for enabling receipt of electronic payments | |
| CN109146461A (en) | The method for managing security of secured business advanced charge card based on unique ID | |
| CN108648070A (en) | A kind of cash temporary storage management method and system | |
| KR0150790B1 (en) | Method for performing transaction | |
| WO2013126982A1 (en) | System and method of facilitating payday loans |
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 | ||
| RJ01 | Rejection of invention patent application after publication |
Application publication date: 20220107 |
|
| RJ01 | Rejection of invention patent application after publication |