CN117831206A - Deposit and withdrawal system and deposit and withdrawal method - Google Patents

Deposit and withdrawal system and deposit and withdrawal method Download PDF

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Publication number
CN117831206A
CN117831206A CN202211196608.7A CN202211196608A CN117831206A CN 117831206 A CN117831206 A CN 117831206A CN 202211196608 A CN202211196608 A CN 202211196608A CN 117831206 A CN117831206 A CN 117831206A
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China
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singlechip
deposit
bank
background server
depositing
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CN202211196608.7A
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张浩宇
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Individual
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Individual
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Abstract

The invention provides a deposit and withdrawal system and a deposit and withdrawal method, wherein the deposit and withdrawal system comprises a deposit and withdrawal machine, a mobile phone and a bank background server; the cash recycling machine comprises: the device comprises a singlechip, a machine core, a banknote access port and a panel; the panel is provided with a two-dimensional code display area and a digital display area; the movement is respectively connected with the singlechip and the banknote access port; the singlechip is connected with the panel; the singlechip and the movement are arranged in the safe; the singlechip is used for receiving information sent by the bank background server through a bank special network and sending the information to the machine core so that the machine core can execute deposit or withdrawal according to the information. The cash recycling machine is an ultra-lightweight cash recycling machine, namely, the cash recycling service of the whole flow can be realized only through a singlechip and 2 core devices of a machine core, the energy consumption is low, the power consumption is far lower than that of an industrial personal computer during idle load, and the energy is saved and the environment is protected.

Description

Deposit and withdrawal system and deposit and withdrawal method
Technical Field
The invention relates to the technical field of bank deposit and withdrawal, in particular to a deposit and withdrawal system and a deposit and withdrawal method.
Background
At present, with the popularization of cashless payment modes and the popularization of electronic money of people's banks, the 5G technology brings data interaction rapidness to people, and a mobile phone becomes a necessary tool for people's daily life, but the cashless payment method still remains in daily life and in exchange of people, and is still a main payment means for a quite long time. Cash payments are also an important payment method in many foreign countries.
The existing cash recycling machines generally comprise card readers, printers, industrial computers, display screens and the like, and are high in module quantity, energy consumption, maintenance and repair difficulty, product cost and layout difficulty. Therefore, there is an urgent need for a depositing and withdrawing device that is easy to operate, low in energy consumption, and environmentally friendly.
Disclosure of Invention
Based on the above, the invention aims to provide the ultra-light-weight deposit and withdrawal system and the deposit and withdrawal method based on the single-chip microcomputer control aiming at the problems of multiple self-service deposit and withdrawal equipment modules, high maintenance and repair difficulty, high product cost and high placement difficulty in the operation of the financial industry.
In a first aspect, an embodiment of the present invention provides a depositing and dispensing system, including: the system comprises a cash recycling machine, a mobile phone and a bank background server; the cash recycling machine includes: the device comprises a singlechip, a machine core, a banknote access port and a panel; the panel is provided with a two-dimensional code display area and a digital display area; the machine core is connected with the singlechip and performs data interaction; the machine core is also connected with the banknote access port; the singlechip and the movement are arranged in the safe; the singlechip is used for receiving the information sent by the bank background server through a bank special network and sending the information to the movement so that the movement can execute deposit or withdrawal according to the information.
Further, the cash recycling machine and the bank background server communicate through a bank private network; and the mobile phone and the bank background server are communicated through a wireless network of a communication company.
Further, the two-dimensional code display area is used for displaying a fixed local identification code; the digital display area is used for displaying the digital verification code sent by the bank server.
Further, the mobile phone is used for scanning the local identification code through the camera, and transmitting transaction information input by a user to the bank background server through a built-in program, wherein the transaction information comprises a transaction instruction, a transaction amount, a transaction password, a bank card number and a mobile phone number; the bank background server is used for verifying the correctness of the transaction information, and if the verification is passed, a first digital verification code is randomly sent to the singlechip; the singlechip is used for enabling the digital display area to display the first digital verification code; the mobile phone is used for receiving a second verification code input by the user according to the first verification code and sending the second verification code to the bank background server through a wireless network of a communication company; the bank background server is used for judging the consistency of the second verification code and the first verification code, and if the second verification code and the first verification code are consistent, the transaction information is sent to the singlechip through a bank private network; the singlechip is used for verifying and analyzing the transaction information to obtain an execution instruction; and the movement is used for controlling the execution of deposit or withdrawal according to the user demand according to the execution instruction.
Further, the machine core is further used for collecting state information of the cash recycling machine and sending the state information to the singlechip, so that the singlechip sends the state information to the mobile phone through a bank background server; wherein the status information includes: banknote being discharged, banknote being fed, standby and malfunction.
Further, the cash recycling machine further comprises an NFC module, and the NFC module is used for sensing a mobile phone of a user.
Further, the cash recycling machine further comprises a power supply; the power supply is arranged in the safe, is respectively connected with the singlechip and the movement and is used for providing electric energy for the singlechip and the movement.
In a second aspect, an embodiment of the present invention provides a depositing and withdrawing method, which is applied to the depositing and withdrawing system.
The embodiment of the invention has the following beneficial effects:
the invention provides a deposit and withdrawal system and a deposit and withdrawal method, wherein the deposit and withdrawal system comprises a deposit and withdrawal machine, a mobile phone and a bank background server; the cash recycling machine comprises: the device comprises a singlechip, a machine core, a banknote access port and a panel; the panel is provided with a two-dimensional code display area and a digital display area; the movement is respectively connected with the singlechip and the banknote access port; the singlechip is connected with the panel; the singlechip and the movement are arranged in the safe; the singlechip is used for receiving information sent by the bank background server through a bank special network and sending the information to the machine core so that the machine core can execute deposit or withdrawal according to the information. The cash recycling machine is an ultra-lightweight cash recycling machine, namely, the cash recycling service of the whole flow can be realized only through a singlechip and 2 core devices of a machine core, the energy consumption is low, the power consumption is far lower than that of an industrial personal computer during idle load, and the energy is saved and the environment is protected.
Additional features and advantages of the invention will be set forth in the description which follows, or in part will be obvious from the description, or may be learned by practice of the invention.
In order to make the above objects, features and advantages of the present invention more comprehensible, preferred embodiments accompanied with figures are described in detail below.
Drawings
In order to more clearly illustrate the embodiments of the present invention or the technical solutions in the prior art, the drawings that are needed in the description of the embodiments or the prior art will be briefly described, and it is obvious that the drawings in the description below are some embodiments of the present invention, and other drawings can be obtained according to the drawings without inventive effort for a person skilled in the art.
FIG. 1 is a functional block diagram of an ultra-lightweight cash recycling machine provided by an embodiment of the present invention;
FIG. 2 is a block diagram of an ultra-lightweight cash recycler provided by an embodiment of the invention;
FIG. 3 is an appearance effect diagram of an ultra-lightweight cash recycling machine according to an embodiment of the present invention;
FIG. 4 is a schematic diagram of an ultra-lightweight deposit and withdrawal system according to an embodiment of the present invention;
FIG. 5 is a schematic diagram of a connection relationship between modules of an ultra-lightweight deposit machine according to an embodiment of the present invention.
Detailed Description
For the purpose of making the objects, technical solutions and advantages of the embodiments of the present invention more apparent, the technical solutions of the embodiments of the present invention will be clearly and completely described below with reference to the accompanying drawings in the embodiments of the present invention, and it is apparent that the described embodiments are some embodiments of the present invention, but not all embodiments of the present invention. The components of the embodiments of the present invention generally described and illustrated in the figures herein may be arranged and designed in a wide variety of different configurations.
Thus, the following detailed description of the embodiments of the invention, as presented in the figures, is not intended to limit the scope of the invention, as claimed, but is merely representative of selected embodiments of the invention. All other embodiments, which can be made by those skilled in the art based on the embodiments of the invention without making any inventive effort, are intended to be within the scope of the invention.
At present, with the popularization of cashless payment modes and the popularization of electronic money of people's banks, the 5G technology brings data interaction rapidness to people, and a mobile phone becomes a necessary tool for people's daily life, but the cashless payment method still remains in daily life and in exchange of people, and is still a main payment means for a quite long time.
Therefore, the equipment with small volume, convenient installation and easy maintenance is required to be put into rural areas, and the rural users can conveniently take cash. The mobile phone has become a necessity for daily life of people at present, fully plays the operation characteristics of the mobile phone and the security of a mobile phone bank, integrates the operation, the security and the cash recycling machine of the mobile phone, and becomes a necessary trend.
The cash recycling machine equipment used in the market at present is not ultra-light equipment and comprises a card reader, a printer, an industrial personal computer, a display screen and the like, and has the advantages of high energy consumption and inconvenient operation. The invention can be realized by only using one depositing and withdrawing module of the original equipment and adding a singlechip, the constituent module of the invention only has one movement, no program is required to be installed, the server instruction is only received through a network interface, the arrangement and the installation are very easy, and the equipment requirement is huge especially in the construction of agricultural terminals and villages; in addition, the industrial personal computer is omitted, so that the energy consumption is very low, the power consumption is less than ten watts in no-load process, the energy is saved, and the environment is protected.
The invention aims to provide a cash recycling system and a cash recycling method based on single-chip microcomputer control, which aim at the problems of multiple self-service cash recycling equipment modules, high maintenance and repair difficulty, high product cost and high placement difficulty in the operation of the financial industry. The technology is applied to the technical scene of depositing and withdrawing.
Example 1
Referring to fig. 4, fig. 4 is a schematic diagram of a depositing and withdrawing system, which includes 3 parts including a depositing and withdrawing machine, a bank background server and a mobile phone; the cash recycling machine and the bank background server communicate through a bank private network; the mobile phone and the bank background server communicate through a wireless network of a communication company.
As shown in fig. 5, the depositing and withdrawing system includes a depositing and withdrawing machine, a mobile phone and a bank background server; the cash recycling machine comprises: the device comprises a singlechip, a machine core, a banknote access port and a panel; the panel is provided with a two-dimensional code display area and a digital display area; the movement is respectively connected with the singlechip and the banknote access port; the singlechip is connected with the panel, and the singlechip and the movement are both arranged in the safe; the singlechip is used for receiving information sent by the bank background server through a bank special network and sending the information to the machine core so that the machine core can execute deposit or withdrawal according to the information. The panel is provided with a two-dimensional code display area and a digital display area; the two-dimensional code display area is used for displaying a fixed local identification code; the digital display area is used for displaying the random 4-6-bit digital verification code sent by the bank background server.
The machine core, the singlechip and the power supply are all arranged in the safe, and the power supply is used for providing energy for the machine core and the singlechip; the singlechip is connected with the movement, and data interaction can be realized between the singlechip and the movement.
The singlechip is a core device and has the main functions as follows:
1) The singlechip is responsible for communication and data interaction with a bank background server through a bank special network, and simultaneously is also responsible for sending a deposit and withdrawal instruction (comprising a banknote outlet instruction and a banknote inlet instruction) given by the bank background server to the machine core, and sending the received 4-6-bit digital verification code to the digital display area.
2) The singlechip is used for receiving instruction data of a bank background server through a bank special network, and simultaneously is responsible for sending a depositing and withdrawing instruction to the machine core so that the machine core deposits and withdraws according to the user requirement.
3) The singlechip is also used for acquiring movement state information (comprising: in various states such as banknote discharging, banknote feeding, standby, faults and the like), the singlechip submits the acquired movement state information to a bank background server through a bank private network, and the background server sends the movement state information to a mobile phone of a user, so that the user can acquire the state of the cash recycling machine in real time.
4) Referring to fig. 2 and 3, in the present invention, the single chip microcomputer is configured to dynamically display, according to the digital verification code sent by the back-end server of the bank, the digital verification code sent by the back-end server of the bank through the digital display area on the panel, so that the user can input the digital verification code after reading the digital verification code, and the digital verification code is sent to the back-end server for verification through the wireless network of the communication company.
Fig. 1 is a schematic functional diagram of an implementation of a cash recycling machine, and describes a using method of the cash recycling system (i.e., a cash recycling method) with reference to fig. 1, which specifically includes the following steps:
step 1, when a user needs to deposit and withdraw money, the mobile phone scans two-dimension code information (the two-dimension code information is a stable two-dimension code, and the two-dimension code information is printed and displayed in the two-dimension code display area when the device is installed), as shown in fig. 4(1, the user activates and opens a mobile phone banking program in the mobile phone, and the user inputs various transaction information on the mobile phone, such as information of deposit instructions, withdrawal instructions, transaction amount, transaction passwords, banking card numbers, mobile phone numbers, user names and the like, and sends the information to a banking background server through a wireless network of a communication company, as shown in fig. 4(2.
And 2, the bank background server checks the transaction information, and after the transaction information passes the check, a 4-6-bit digital verification code (namely a first digital verification code) is randomly sent to a singlechip of the cash recycling machine, as shown in a figure 4(3.
Specifically, if the audit is not passed, the cash recycling machine does not perform any operation and prompts the mobile phone operator.
Step 3, the singlechip sends a first digital verification code to the movement; the digital display area of the depositing and dispensing machine will display the received first digital verification code.
Step 4, after the user reads (sees) the first digital verification code, the user inputs the digital verification code into the mobile phone within a specified time, at this time, the input information is a second digital verification code, as shown in fig. 4(4), and the mobile phone transmits the second digital verification code back to the bank background server through the wireless network of the communication company, as shown in fig. 4(5.
And step 5, after the bank background server receives the digital verification code sent by the mobile phone and confirms that the digital verification code is correct (namely, the first verification code is completely consistent with the second verification code, and the first verification code is correct), sending the deposit and withdrawal instruction and the target amount in the transaction information to a singlechip of a deposit and withdrawal machine, as shown in a figure 4(6.
Specifically, if the bank background server verifies the error, the error information is returned to the singlechip of the cash recycling machine, and the cash recycling machine does not perform any operation.
And 6, after receiving the depositing and withdrawing instruction, the singlechip of the depositing and withdrawing machine analyzes the depositing and withdrawing instruction, verifies the correctness of the message and whether the message is tampered, and if no abnormality exists, sends an execution instruction to the movement, and the movement executes operations (such as deposit and withdrawal) required by the transaction information of the user, as shown in a figure 4(7.
And 7, after the execution is finished, the cash recycling machine is in a standby state, the singlechip collects the state information and sends the state information to the bank background server, and the bank background server sends the state information to the mobile phone and informs the user of the completion of the transaction.
Specifically, the state information of the cash recycling machine comprises various states such as cash discharge, cash in, standby, faults and the like, and the singlechip can send the information to the background server in real time so as to enable staff to know the information in time; and simultaneously, the information is sent to a mobile phone of the user so as to make the user know.
More specifically, when the cash recycling machine fails, the singlechip can also send specific information of the status information of the failure (such as the type of the failure, the GPS coordinates of the failure cash recycling machine and the like) to a background server of the bank, so that a bank worker can maintain the cash recycling machine in time.
The NFC module shown in fig. 2 (that is, the NFC function extension module) is set in the depositing and dispensing machine, and the module is an optional module, if NFC is used for interaction, the mobile phone does not need to scan the two-dimension code of the two-dimension code display area shown in fig. 3, and at this time, the mobile phone of the user is required to open the NFC function and attach to the two-dimension code display area of the panel for data interaction.
The beneficial effects of this embodiment are as follows:
the module formed by the cash recycling system is very concise in use amount, and the selling link is very easy to accept in the financial industry because the cost is much lower than that of the existing cash recycling machine due to the fact that the module is fewer; the design link has no complexity, and can be quickly converted into productivity; the product will also be a product quickly for the production link; for the maintenance link, the convenience and the simplicity of the automatic teller machine are easy to maintain, and the fault rate is very low in the use process compared with that of the traditional cash recycling machine. The method has very remarkable benefits in the aspects of improving brand value, reducing labor cost, reducing equipment failure time, shortening maintenance time and the like, and has very high use value.
The mobile phone bank safety management system integrates the safety of mobile phone banks and the convenience of mobile phone operation, and fully utilizes the convenience and universality of the mobile phone.
The invention can be realized by only using one depositing and withdrawing module of the original equipment and adding a singlechip, does not need to install any program, receives the server instruction only through a network interface, is very easy to arrange and install, and has huge equipment requirement especially on construction of agricultural terminals and villages.
The power supply is not more than ten watts when no load is generated, so that energy is saved, and the power supply is environment-friendly.
The core components of the cash recycling machine are only a single chip microcomputer and a machine core, and the cash recycling service of the whole flow can be realized by only using the single chip microcomputer for data interaction, so that hardware devices such as a card reader, a printer, an industrial personal computer and a display screen which are required in the prior art are eliminated, the energy consumption is greatly reduced, the energy is saved, and the cash recycling machine is environment-friendly; and this application need not to rely on strip paper, and all information is paperless to be shown, also more green.
Example two
The embodiment provides a deposit and withdrawal method which is applied to the deposit and withdrawal system.
The deposit and withdrawal method provided by the embodiment of the invention has the same implementation principle and technical effects as those of the deposit and withdrawal system embodiment, and for the sake of brief description, reference may be made to corresponding contents in the foregoing system embodiment where the deposit and withdrawal method embodiment is not mentioned.
Finally, it should be noted that: the above embodiments are only for illustrating the technical solution of the present invention, and not for limiting the same; although the invention has been described in detail with reference to the foregoing embodiments, it will be understood by those of ordinary skill in the art that: the technical scheme described in the foregoing embodiments can be modified or some or all of the technical features thereof can be replaced by equivalents; such modifications and substitutions do not depart from the spirit of the invention.

Claims (8)

1. A depositing and dispensing system, the depositing and dispensing system comprising: the system comprises a cash recycling machine, a mobile phone and a bank background server; the cash recycling machine includes: the device comprises a singlechip, a machine core, a banknote access port and a panel; the panel is provided with a two-dimensional code display area and a digital display area;
the machine core is connected with the singlechip and performs data interaction; the machine core is also connected with the banknote access port;
the singlechip and the movement are arranged in the safe;
the singlechip is used for receiving the information sent by the bank background server through a bank special network and sending the information to the movement so that the movement can execute deposit or withdrawal according to the information.
2. The depositing and dispensing system according to claim 1, wherein the depositing and dispensing machine and the bank background server communicate via a bank private network; and the mobile phone and the bank background server are communicated through a wireless network of a communication company.
3. The depositing and dispensing system according to claim 2, wherein the two-dimensional code display area is configured to display a fixed local identification code; the digital display area is used for displaying the digital verification code sent by the bank server.
4. The deposit and withdrawal system according to claim 3, wherein the mobile phone is configured to scan the local identification code through a self-contained camera and send transaction information input by a user to the bank background server through a built-in program, wherein the transaction information includes a transaction instruction, a transaction amount, a transaction password, a bank card number and a mobile phone number;
the bank background server is used for verifying the correctness of the transaction information, and if the verification is passed, a first digital verification code is randomly sent to the singlechip;
the singlechip is used for enabling the digital display area to display the first digital verification code;
the mobile phone is used for receiving a second verification code input by the user according to the first verification code and sending the second verification code to the bank background server through a wireless network of a communication company;
the bank background server is used for judging the consistency of the second verification code and the first verification code, and if the second verification code and the first verification code are consistent, the transaction information is sent to the singlechip through a bank private network;
the singlechip is used for verifying and analyzing the transaction information to obtain an execution instruction;
and the movement is used for controlling the execution of deposit or withdrawal according to the user demand according to the execution instruction.
5. The depositing and dispensing system according to claim 4, wherein the movement is further configured to collect status information of the depositing and dispensing machine, and send the status information to the single-chip microcomputer, so that the single-chip microcomputer sends the status information to the mobile phone through a bank background server; wherein the status information includes: banknote being discharged, banknote being fed, standby and malfunction.
6. The depositing and dispensing system of claim 1, wherein the depositing and dispensing machine further comprises an NFC module for sensing a user's mobile phone.
7. The depositing and dispensing system of claim 1 wherein the depositing and dispensing machine further comprises a power source; the power supply is arranged in the safe, is respectively connected with the singlechip and the movement and is used for providing electric energy for the singlechip and the movement.
8. A deposit and withdrawal method, characterized by being applied to the deposit and withdrawal system according to any one of claims 1 to 7.
CN202211196608.7A 2022-09-29 2022-09-29 Deposit and withdrawal system and deposit and withdrawal method Pending CN117831206A (en)

Priority Applications (1)

Application Number Priority Date Filing Date Title
CN202211196608.7A CN117831206A (en) 2022-09-29 2022-09-29 Deposit and withdrawal system and deposit and withdrawal method

Applications Claiming Priority (1)

Application Number Priority Date Filing Date Title
CN202211196608.7A CN117831206A (en) 2022-09-29 2022-09-29 Deposit and withdrawal system and deposit and withdrawal method

Publications (1)

Publication Number Publication Date
CN117831206A true CN117831206A (en) 2024-04-05

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Family Applications (1)

Application Number Title Priority Date Filing Date
CN202211196608.7A Pending CN117831206A (en) 2022-09-29 2022-09-29 Deposit and withdrawal system and deposit and withdrawal method

Country Status (1)

Country Link
CN (1) CN117831206A (en)

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