CN201438324U - Bank self-service terminal and system - Google Patents
Bank self-service terminal and system Download PDFInfo
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- CN201438324U CN201438324U CN2009201090673U CN200920109067U CN201438324U CN 201438324 U CN201438324 U CN 201438324U CN 2009201090673 U CN2009201090673 U CN 2009201090673U CN 200920109067 U CN200920109067 U CN 200920109067U CN 201438324 U CN201438324 U CN 201438324U
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Abstract
The utility model provides a bank self-service terminal and a system. The self-service terminal comprises a central processor, a card reader, a keyboard and a display screen; the central processor is respectively connected with the card reader, the keyboard and the display screen; the self-service terminal also comprises a hand-writing signature screen and a communication interface; the hand-writing signature screen receives the pressure of hand-writing signature to generate a signature locus coordinate signal and/or to send the signature pressure signal to the central processor; and the central processor outputs the signature locus coordinate signal and/or the signature pressure signal through the communication interface. The bank self-service terminal solves the problem of the prior bank self-service terminal that the money of the bank user is stolen through the handwriting signature identification technology.
Description
Technical field
The utility model is a kind of bank self-help terminal and system about the terminal technology in the bank computer network communication concretely.
Background technology
In the prior art, the bank self-help terminal is only carried out clip pin and is tested closely when client's plug-in card lands, test and closely operate and will no longer need safety verification relating to function that fund produces by the back.And this kind authentication mechanism uncontrollable other people obtain bank card by illegal channels or duplicate other people bank card and obtain clip pin by illegal channels after fund is produced operation, deposit user's fund in the bank by risk that other people illegally produce.
At present, handwritten signature authenticate technology from data acquisition system (DAS) to handle, recognizer comparative maturity all.Many companies all have special mechanism to be engaged in the research and development and the application of this technology, comprise that IBM, Cyber-SIGN, U.S.'s intelligence are logical, Japanese fujitsu etc., and wherein U.S.'s intelligence company takes the course of its own in the research in this field.For example: Cyber-SIGN hand-written electric signature authenticate technology is a kind ofly to sign and carry out the biological identification technology of authentication by analyzing individual hand-written electric.It accurately judges the legitimacy of signer identity by extracting, analyze dynamic behaviour characteristic parameters such as time dependent writing speed in the individual hand-written electric signature process, signature shape, the order of strokes observed in calligraphy, pen pressure, is a kind of authentication method of high technology content.
The utility model content
In order to overcome the defective of prior art, this use new embodiment provides a kind of bank self-help terminal and system, in order to solve the stolen problem of bank-user fund that existing bank self-help terminal may exist by the handwritten signature recognition technology.
One of purpose of the utility model embodiment is: a kind of bank self-help terminal is provided, and this self-aided terminal comprises: central processing unit, card reader, keyboard and display screen; Central processing unit is connected with card reader, keyboard and display screen respectively; Self-aided terminal also comprises: hand-written signature screen and communication interface; Hand-written signature screen receives the pressure of hand-written signature, and generation signature trajectory coordinates signal and/or signature pressure signal send central processing unit to; Central processing unit will sign the trajectory coordinates signal and/or the signature pressure signal export through communication interface.
One of purpose of the utility model embodiment is: a kind of bank self-help terminal system is provided, and this system comprises: bank self-help terminal, bank handwriting signature identified server; The bank self-help terminal comprises: central processing unit, card reader, keyboard and display screen; Central processing unit is connected with card reader, keyboard and display screen respectively; Self-aided terminal also comprises: hand-written signature screen and communication interface; Hand-written signature screen receives the pressure of hand-written signature, and generation signature trajectory coordinates signal and/or signature pressure signal send central processing unit to; Central processing unit will sign the trajectory coordinates signal and/or the signature pressure signal export through communication interface; Bank handwriting signature identified server comprises: the signature signal receiving unit is used to receive described signature trajectory coordinates signal and/or signature pressure signal; The signature data storage unit is with the storage client data of signing; The signature matching unit, the client who is used for the signature trajectory coordinates signal that will receive and/or signature pressure signal and the storage data of signing are mated, and generate the matching result information of signing; Signature matching result transmitting element is used for signature matching result information is sent to the bank self-help terminal.
The utility model embodiment, by the bank self-help terminal when client's plug-in card lands, carry out clip pin test close, test close passing through after, more hand-written signature is discerned the bank transaction that just allows the client to be correlated with after hand-written signature is discerned successfully.Controlled effectively other people obtain bank card by illegal channels or duplicate other people bank card and obtain clip pin by illegal channels after fund is produced operation, improved the security of bank self-help terminal, reduced the stolen risk of fund.
Description of drawings
Fig. 1 is the utility model embodiment 1 bank ATM self-aided terminal structured flowchart;
Fig. 2 is the utility model embodiment 1 bank ATM self-aided terminal synoptic diagram;
Fig. 3 is the hand-written signature screen of a utility model embodiment synoptic diagram;
Fig. 4 is the utility model embodiment 1 bank ATM self-aided terminal system architecture diagram;
Fig. 5 is the utility model embodiment 1ATM self-aided terminal handwritten signature security authentication process figure;
Fig. 6 is the utility model embodiment 2 bank POS self-aided terminal structured flowcharts;
Fig. 7 is the utility model embodiment 2 bank POS self-aided terminal synoptic diagram;
Fig. 8 is the workflow diagram of the hand-written signature screen of the utility model embodiment.
Embodiment
Below in conjunction with description of drawings embodiment of the present utility model.
Embodiment 1
Be illustrated in figure 1 as the bank ATM self-aided terminal, this ATM self-aided terminal comprises: ATM main frame 101, LCD display 102, hand-written signature screen 103, card reader 104, keyboard 105, printer 106 and advance cash dispensing port 107; ATM main frame 101 has communication interface, and is connected with LCD display 102 by self video card; ATM main frame 101 can be by self serial ports 1 to serial ports 5 respectively with hand-written signature screen 103, card reader 104, keyboard 105, printer 106 with advance cash dispensing port 107 and be connected.
Be illustrated in figure 2 as the panel synoptic diagram of bank ATM self-aided terminal 200, ATM self-aided terminal 200 is provided with LCD display 201, a zone is set as hand-written signature screen 202 in LCD display 201; On ATM self-aided terminal 200, also be provided with: hand-written signature pen 203 and hand-written signature pen slot 204, card reader 205, keyboard 206, printer 207 and advance cash dispensing port 208.
As shown in Figure 4 be the structural representation of the related bank ATM self-aided terminal system of present embodiment, this system is made up of: ATM self-aided terminal, bank handwriting signature identified server and bank's cabinet face terminal.This ATM self-aided terminal can be a bank ATM self-aided terminal 200 as shown in Figure 2.
The ATM self-aided terminal comprises: handwriting input module 301 is used for handwritten signature is received and the signing messages that receives imported the ATM main frame unite; Signed data pretreatment module 302 is finished operations such as denoising to signing messages, normalization, and purpose is that the signing messages data that will collect become the form that is suitable for carrying out feature extraction; Signature character information extraction modules 303, can fully reflect each one writing style from pretreated signing messages extracting data, metastable again feature simultaneously as static informations such as signature positions, the speed when writing, the pressure of wieling the pen, is write multidate information such as degree of tilt; Communication module 304, obtain effective signing messages and do pre-service and feature extraction operation after, gained signing messages sequence is encrypted the back through communication module 304 signs and check to the bank handwriting identified server of signing by internet transmission.
Bank handwriting signature identified server comprises: communication module 308 is decrypted the signature character information through encrypting that receives, and receives the transaction processing unit that qualification result returns to the ATM self-aided terminal; Signature character identification module 309 mates characteristic information and the standard signature sample extracted, draws identification result; Signature standard sample data library unit 310 is used for storage and reserves the signature sample data.
Bank's cabinet face terminal comprises: reserve handwritten signature load module 305, and can be by this module input bank card holder and other people signature, as father and mother, spouse's signature; Reserve signed data pretreatment module 306, finish operations such as comprising denoising, normalization, purpose is that the signature data data that will collect become the form that is suitable for carrying out feature extraction; Reserve signature character information extraction modules 307, can fully reflect each one writing style from pretreated signature data extracting data, metastable again feature simultaneously as static informations such as signature positions, the speed when writing, the pressure of wieling the pen, is write multidate information such as degree of tilt.The characteristic information that extracts is preserved to the signature standard sample database of bank handwriting signature identified server by internet transmission.
As shown in Figure 5, the self-aided terminal handwritten signature security authentication process of present embodiment comprises:
Step 401: the user submits payment transaction request to by ATM self-aided terminal input payment data;
The transaction flow unit controls user of step 402:ATM self-aided terminal system carries out the handwritten signature input by the handwriting input module; The user also can select to skip this input, directly submits to transaction request to the bank handwriting identified server of signing by the ATM self-aided terminal, enters step 406;
Step 403:ATM self-aided terminal system signature data preprocessing module converts the form that is suitable for carrying out feature extraction to according to the signed data that collects;
Step 404: the signature character information extraction modules is from pretreated extracting data signature character information;
Step 405: communication module with the signature character information encryption after, then handwritten signature information of same payment transaction request information transmission is handled to bank handwriting signature identified server.
Step 406: bank handwriting signature identified server receives the transaction request of self-aided terminal, judge whether this transaction client imports reservation signature client, if reserved the signature client, then calling signature and checking the module standard signature sample that the characteristic information that extracts and Database Unit store of will conclude the business and mate, carry out step 407; If do not reserve the signature client, then carry out step 408;
Step 407: it fails to match if signature is checked module, then discriminating returned to the transaction unit of self-aided terminal system, the refusal transaction;
Step 408: bank handwriting signature identified server is handled by normal payment transaction request.
Be illustrated in figure 3 as hand-written signature screen synoptic diagram.When carrying out hand-written signature, can adopt the hand-written signature pen that disposes on the ATM self-aided terminal, signature on the described hand-written signature screen of Fig. 3.
As shown in Figure 8, the job step of hand-written signature screen comprises:
Step S801, the hand-written signature of reception begin;
Step S802, obtain coordinate data;
Step S803, in handwriting screen, is there there pen point pressure? if, then carry out step S804, if not, then carry out step S802;
Step S804, obtain coordinate data and pressure data;
Is step S805, what press acknowledgement key or return key? if acknowledgement key then carries out step S806, if return key then carries out step S802;
Step S806, affirmation coordinate data and pressure data;
Step S807, the hand-written signature data of reception are obtained end.
The handwritten signature safety certifying method of present embodiment comprises three key steps:
Step 1: handwritten signature Feature Extraction and reservation.Signature character extracts and mainly to comprise three sport technique segments: the data of (1) signing messages are obtained, and import computing machine exactly after the real-time handwritten signature information of input equipment collection.(2) pre-service, process comprise operations such as denoising, normalization, and purpose is that the data that will collect become the form that is suitable for carrying out feature extraction.(3) feature extraction can fully reflect each one writing style from pretreated extracting data, and metastable again feature simultaneously as static informations such as signature positions, the speed when writing, the pressure of wieling the pen, is write multidate information such as degree of tilt.The handwritten signature characteristic information that collects is reserved preservation, for the client sets up the signature sample data.Each client can reserve the signature of a plurality of different people simultaneously, as father and mother's signature, reserves other people and signs and need to use holder's signature to do mandate.
Step 2: the obtaining of payment transaction handwritten signature.The client is (as transferring accounts) when foreign payment, utilizes the handwritten signature input media to obtain client's handwritten signature characteristic information in real time, and what be used to sign checks.
Step 3: the checking of handwritten signature.Characteristic matching and judgement are carried out in the handwritten signature of user's input and the signature sample of reservation.Promptly adopt certain decision rule, characteristic information and the standard signature sample extracted are mated, draw identification result.Proof procedure is man-to-man matching process, i.e. whether checking input signer's identity is true.
The bank self-help terminal of present embodiment is based on present banking system is transformed: bank's cabinet plane system is transformed integrated handwritten signature master sample reserved function; Integrated handwritten signature data preprocessing module and handwritten signature characteristic extracting module in existing self-aided terminal system; System transforms to bank main, integrated handwritten signature identification module.By the bank self-help terminal when client's plug-in card lands, carry out clip pin test close, test close passing through after, more hand-written signature is discerned the bank transaction that just allows the client to be correlated with after hand-written signature is discerned successfully.Controlled effectively other people obtain bank card by illegal channels or duplicate other people bank card and obtain clip pin by illegal channels after fund is produced operation.
Embodiment 2
Be illustrated in figure 6 as the bank POS self-aided terminal, this POS self-aided terminal comprises: POS main frame 501, LCD display 502, hand-written signature screen 503, card reader 504, keyboard 505 and printer 506; POS main frame 501 has communication interface, and is connected with LCD display 502 by self video card; POS main frame 501 can be connected with printer 506 with hand-written signature screen 503, card reader 504, keyboard 505 respectively by self serial ports 1 to serial ports 4.
Be illustrated in figure 7 as the panel synoptic diagram of bank POS self-aided terminal 600, POS self-aided terminal 600 is provided with LCD display 601 and hand-written signature screen 602; On POS self-aided terminal 600, also be provided with: hand-written signature pen 603, card reader 605, keyboard 606 and printer 607.
Be illustrated in figure 3 as hand-written signature screen synoptic diagram.The handwritten signature safety certifying method of present embodiment comprises three key steps:
Step 1: handwritten signature Feature Extraction and reservation.Signature character extracts and mainly to comprise three sport technique segments: the data of (1) signing messages are obtained, and import computing machine exactly after the real-time handwritten signature information of input equipment collection.(2) pre-service, process comprise operations such as denoising, normalization, and purpose is that the data that will collect become the form that is suitable for carrying out feature extraction.(3) feature extraction can fully reflect each one writing style from pretreated extracting data, and metastable again feature simultaneously as static informations such as signature positions, the speed when writing, the pressure of wieling the pen, is write multidate information such as degree of tilt.The handwritten signature characteristic information that collects is reserved preservation, for the client sets up the signature sample data.Each client can reserve the signature of a plurality of different people simultaneously, as father and mother's signature, reserves other people and signs and need to use holder's signature to do mandate.
Step 2: the obtaining of payment transaction handwritten signature.The client is (as transferring accounts) when foreign payment, utilizes the handwritten signature input media to obtain client's handwritten signature characteristic information in real time, and what be used to sign checks.
Step 3: the checking of handwritten signature.Characteristic matching and judgement are carried out in the handwritten signature of user's input and the signature sample of reservation.Promptly adopt certain decision rule, characteristic information and the standard signature sample extracted are mated, draw identification result.Proof procedure is man-to-man matching process, i.e. whether checking input signer's identity is true.
The bank self-help terminal of present embodiment is based on present banking system is transformed: bank's cabinet plane system is transformed integrated handwritten signature master sample reserved function; Integrated handwritten signature data preprocessing module and handwritten signature characteristic extracting module in existing self-aided terminal system; System transforms to bank main, integrated handwritten signature identification module.By the bank self-help terminal when client's plug-in card lands, carry out clip pin test close, test close passing through after, more hand-written signature is discerned the bank transaction that just allows the client to be correlated with after hand-written signature is discerned successfully.Controlled effectively other people obtain bank card by illegal channels or duplicate other people bank card and obtain clip pin by illegal channels after fund is produced operation.
Further, the described bank self-help terminal of present embodiment can be made a general reference bank and offer the Possum that the client uses, and not only comprises above-mentioned ATM and POS machine, also can comprise bank self-help terminals such as Web bank, Mobile banking; The described signature of apparatus of the present invention client module not only can be integrated in the bank main system, also can be a specific installation that is independent of host computer system.
Below only be preferred embodiment of the present utility model, non-so limit to claim of the present utility model, the equivalent structure that utilization the utility model instructions and diagramatic content are done changes, and all in like manner is included in the scope of the present utility model.
Claims (10)
1. bank self-help terminal, described self-aided terminal comprises: central processing unit, card reader, keyboard and display screen; Described central processing unit is connected with described card reader, keyboard and display screen respectively; It is characterized in that described self-aided terminal also comprises: hand-written signature screen and communication interface;
Described hand-written signature screen receives the pressure of hand-written signature, and generation signature trajectory coordinates signal and/or signature pressure signal send described central processing unit to; Described central processing unit is exported described signature trajectory coordinates signal and/or signature pressure signal through described communication interface.
2. bank self-help terminal as claimed in claim 1 is characterized in that, described bank self-help terminal comprises: shell and the hand-written signature pen that is connected with described shell.
3. bank self-help terminal as claimed in claim 1 is characterized in that, described bank self-help terminal comprises: the printer that is connected with described central processing unit.
4. bank self-help terminal as claimed in claim 3 is characterized in that, described bank self-help terminal comprises: what be connected with described central processing unit advances/cash dispensing port.
5. a bank self-help terminal system is characterized in that, described system comprises: bank self-help terminal, bank handwriting signature identified server;
Described bank self-help terminal comprises: central processing unit, card reader, keyboard and display screen; Described central processing unit is connected with described card reader, keyboard and display screen respectively; It is characterized in that described self-aided terminal also comprises: hand-written signature screen and communication interface; Described hand-written signature screen receives the pressure of hand-written signature, and generation signature trajectory coordinates signal and/or signature pressure signal send described central processing unit to; Described central processing unit is exported described signature trajectory coordinates signal and/or signature pressure signal through described communication interface;
Described bank handwriting signature identified server comprises: the signature signal receiving unit is used to receive described signature trajectory coordinates signal and/or signature pressure signal; The signature data storage unit is used to store client's data of signing; The signature matching unit, the client who is used for the signature trajectory coordinates signal that will receive and/or signature pressure signal and the storage data of signing are mated, and generate the matching result information of signing; Signature matching result transmitting element is used for described signature matching result information is sent to described bank self-help terminal.
6. system as claimed in claim 5 is characterized in that, the described client data of signing comprise: signature track coordinate data and signature pressure data.
7. system as claimed in claim 5 is characterized in that, described bank self-help terminal comprises: shell and the hand-written signature pen that is connected with described shell.
8. system as claimed in claim 5 is characterized in that, described bank self-help terminal comprises: the printer that is connected with described central processing unit.
9. system as claimed in claim 8 is characterized in that, described bank self-help terminal comprises: what be connected with described central processing unit advances/cash dispensing port.
10. system as claimed in claim 9 is characterized in that, described bank self-help terminal is connected with described bank handwriting signature identified server by limited or wireless network.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN2009201090673U CN201438324U (en) | 2009-07-07 | 2009-07-07 | Bank self-service terminal and system |
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| Application Number | Priority Date | Filing Date | Title |
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| CN2009201090673U CN201438324U (en) | 2009-07-07 | 2009-07-07 | Bank self-service terminal and system |
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| CN201438324U true CN201438324U (en) | 2010-04-14 |
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| Application Number | Title | Priority Date | Filing Date |
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| CN2009201090673U Expired - Lifetime CN201438324U (en) | 2009-07-07 | 2009-07-07 | Bank self-service terminal and system |
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Cited By (4)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN102760279A (en) * | 2012-05-28 | 2012-10-31 | 浙江大学城市学院 | Express self-service terminal sending-receiving system and method based on wireless network and web technology |
| CN106779665A (en) * | 2016-11-23 | 2017-05-31 | 广东微模式软件股份有限公司 | A kind of POS enchashment methods based on human body biological characteristics identification with anti-repudiation technology |
| CN107274608A (en) * | 2017-07-07 | 2017-10-20 | 武汉天喻信息产业股份有限公司 | Intelligent POS, transaction system and method for commerce with electronic signature functionality |
| CN110889685A (en) * | 2019-11-18 | 2020-03-17 | 中国银行股份有限公司 | Service execution method and device based on signature recognition |
-
2009
- 2009-07-07 CN CN2009201090673U patent/CN201438324U/en not_active Expired - Lifetime
Cited By (4)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN102760279A (en) * | 2012-05-28 | 2012-10-31 | 浙江大学城市学院 | Express self-service terminal sending-receiving system and method based on wireless network and web technology |
| CN106779665A (en) * | 2016-11-23 | 2017-05-31 | 广东微模式软件股份有限公司 | A kind of POS enchashment methods based on human body biological characteristics identification with anti-repudiation technology |
| CN107274608A (en) * | 2017-07-07 | 2017-10-20 | 武汉天喻信息产业股份有限公司 | Intelligent POS, transaction system and method for commerce with electronic signature functionality |
| CN110889685A (en) * | 2019-11-18 | 2020-03-17 | 中国银行股份有限公司 | Service execution method and device based on signature recognition |
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