CN202948514U - Self-service account opening teller machine - Google Patents
Self-service account opening teller machine Download PDFInfo
- Publication number
- CN202948514U CN202948514U CN 201220048791 CN201220048791U CN202948514U CN 202948514 U CN202948514 U CN 202948514U CN 201220048791 CN201220048791 CN 201220048791 CN 201220048791 U CN201220048791 U CN 201220048791U CN 202948514 U CN202948514 U CN 202948514U
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- client
- self
- teller machine
- account opening
- account
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- Expired - Fee Related
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Abstract
The utility model relates to a self-service account opening teller machine for clients. A series of extension modules are installed on a client system, the extension modules comprising: a touch screen for a client to select required operations, so as to accomplish interactions between the client system and the client; a bank card reader for reading bank card information of the client, the bank card being considered as the one to which a newly opened account is bound; an ID card reader for reading identity information of the client and transferring the information to the client system; a camera for taking a headshot of the client and providing a basis for face recognition; and a communication device for communications between the client machine and the server. By using the self-service account opening teller machine, the problems currently existing in account opening processes of wealth management products are solved, processes of investing and opening an account are simplified, account opening of the wealth management products for investors become convenient, and branch cost loads and risks of repeated construction for businesses dealing with the wealth management products are reduced, thereby bringing benefits for both investors and businesses dealing with the wealth management products.
Description
Technical field
The utility model relates to a kind of automatic teller machine, specifically a kind of automatic teller machine of opening an account for customer self-service.
Background technology
On the financial market, there are a variety of finance products to select for the investor at present.Though every kind of investment and financing products character is different, the flow process the when investor opens an account is roughly the same.Fig. 1 has summed up the flow process that present investment and financing products is opened an account and generally used.
There is following some problem in this flow process:
1. the investor need to search for respectively various finance products and obtain its relevant information.
2. the investor must arrive finance product specified agency and handle account opening procedure, and the investor is not easy to differentiate the legitimacy of financing agency.
3. the investor must manually fill in the ID (identity number) card information of oneself, bank card information, and other contact details.
4. when opening an account, must there be the sales counter staff to confirm the information that the investor fills in, and approved investment person identity.
5. the process of opening an account investor must arrive two places and complete the process of opening an account (agency that finance product is specified and the site of the bank of binding).
The utility model content
For above shortcomings part in prior art, the utility model provides a kind of automatic teller machine of opening an account for customer self-service.
The technical scheme that the utility model adopts for achieving the above object is: a kind of self-help account opening automatic teller machine, a series of expansion modules are installed on client machine system, and described expansion module comprises: touch-screen, bank card reader, identity card reader, camera, printer and communication device; Described client machine system adopts thin client, and the computer hardware platforms on basis is provided, and comprises the interface that expansion is used.
Also comprise numeric keypad, be used for replenishing alternately between client and client machine system.
Described communication device is connected with server by wired mode.
Described communication device is wireless communication apparatus, is connected with server by wireless mode.
The utility model has solved the present finance product problem that (Fig. 1) exists in flow process of opening an account, simplified the flow process that investment is opened an account, as shown in Figure 2, facilitated the investor to carry out opening an account of finance product, simultaneously also alleviate the site cost burden of finance product distributors and the risk of duplicate construction, made investor and the finance product both sides of distributors all receive more tangible benefits.Advantage of the present utility model is embodied in:
1. the investor can obtain the information of all finance products on automatic teller machine.
2. the investor only need arrive the contiguous automatic teller machine of opening an account and can handle opening an account of finance product: the automatic teller machine place to place of opening an account is all the bank that cooperates with the finance product, financial institution, in post and telecommunications and large-scale convenience store chain stores, exempted the possibility that illegal agency gets involved.Removed investor's trouble and worry.
3. the investor need not manually fill in the information such as I.D., bank card.Shortened the required time of opening an account.
4. need not the sales counter staff when opening an account participate in, the automatic approved investment person of teller machine (ATM) system identity has been saved the human cost of finance product distributors.
5. the investor need not travel to and fro between between finance product agency and bank, only needs can complete to the bank that is placed with the automatic teller machine of opening an account the overall process of opening an account; The investor also can by paid mode (service charge), open an account on the automatic teller machine in being placed on other interlocking gears fixed with nation of bank.
6. teller machine (ATM) system has the sound navigation system, can be for investor's service of vision disorder is arranged.
Description of drawings
Fig. 1 is the process flow diagram of opening an account of finance product in prior art;
Fig. 2 is the process flow diagram of opening an account of the present utility model for the client uses;
Fig. 3 is the structured flowchart of the automatic teller machine of automatically opening an account;
Fig. 4 is the division block diagram of client machine system in the utility model embodiment;
Fig. 5 is I.D. read module interface display schematic diagram in the utility model embodiment;
Fig. 6 is bank card card reading module interface display schematic diagram in the utility model embodiment;
Fig. 7 is face recognition module interface display schematic diagram in the utility model embodiment;
Fig. 8 is that in the utility model embodiment, the contact method inputting interface shows schematic diagram;
Fig. 9 is final confirmation interface display schematic diagram in the utility model embodiment.
Embodiment
Below in conjunction with drawings and Examples, the utility model is described in further detail.
As shown in Figure 3, self-help account opening automatic teller machine described in the utility model is comprised of a plurality of softwares and hardware module.Hardware is comprised of client machine system and expansion module.
Client machine system: the available city general normal client of dealer or thin client, as HP t5540.It provides the computer hardware platforms on basis, as processor, storage, Graphics Processing, audio frequency processing, power supply and expansion interface used etc. is provided.
Expansion module: formed by modules such as touch-screen, bank card card reader, identity card reader, printer, camera, numeric keypad, communication (wireless or wired) devices.Wherein communication device can be selected according to the condition of automatic teller machine institute place to place the network communication protocol of concrete needs.Can come linked server by wired or Wireless LAN module as the place of connecting up at bank or other easily, and for example use the 3G/GSM/GPRS network at other under without the environment of LAN.
As shown in Figure 4, described client machine system running client software, its client machine system is based on WindowsCE operating system.
Self-help account opening automatic teller machine master routine: be used for the allotment modules.This program will operation automatically after the self-help account opening automatic teller machine starts.Two parallel processes be can start simultaneously and automatic update module and selftest module moved respectively.The following several modules of this master routine allotment:
Embedded web browser: the webpage of introducing that is used for showing each investment and financing products.These are introduced webpage and deposit in local storage in the self-help account opening automatic teller machine, and are controlled by automatic update module and upgrade.
Sound navigation module: be used for each client's incoming event is carried out the response of sound navigation.Audio files leaves in the local storage of client machine system, is controlled by automatic update module and upgrades.
I.D. read module: reading identity card word and image information, the validity of its input of preliminary identification.The checking content comprises: each message segment whether have input, the input of each field whether rationally, with the birthday compute age and judge whether to meet the age limit of investing product, I.D. whether within valid period etc., as shown in Figure 5.
Bank card card reading module: read bank card information, judge its issuing bank, its validity of preliminary identification.Checking comprises bank's card number length, issuing bank's parsing etc., as shown in Figure 6.
Face recognition module: for camera module provides recognition of face zone, the ancillary investment person effective head portrait photo of breaking forth.In the head portrait image that obtains from identity card picture and camera module, for people's face identity validation module is extracted effective facial image data.PCA in face's analytic function employing OpenCV recognition of face storehouse, Fiserfaces, the Eigenfaces scheduling algorithm, as shown in Figure 7.
Camera module: catch the picture signal of camera, and show.Press " photograph " button the investor after, 10 second beats reciprocal are shone.
People's face identity validation module: people's face of the head portrait that obtains in comparison identity card picture and camera module.Approved investment people identity realizes authentication first.
Information Authentication module: utilize communication module, ID (identity number) card information is searched for by the ID card verification service, and check return message, the validity of judgement I.D..Examine the main and card number of card by the bank card service for checking credentials (as Unionpay, communications and liaison etc.) simultaneously, and the information that return message and ID card verification return is carried out secondary verify.This module needs and server system is opened an account, and assembly coordinates.It must be same people that finance product requires the bank card card I.D. of advocating peace.
Communication module: based on the safe articulamentum technology of Transport Layer Security (TLS), connect in the safety of setting up on wide area network between self-help account opening automatic teller machine and server system, and transmit the message of encrypting.Realize the communication with server system (ID card verification service, the bank card service for checking credentials, the server of opening an account, monitoring server).
Selftest module: when each self-help account opening automatic teller machine starts, " selftest module " will start automatically.And self-detection result is sent to monitoring server by " communication module ".
Automatic update module: when each self-help account opening automatic teller machine starts, " update module automatically " will start automatically.Synchronize with monitoring server by " communication module " and upgrade, update content comprises the webpage of introducing of each investment and financing products, the audio files of sound navigation, and various component software.
Print module: successfully open an account, master routine all can call this module and print the strip of opening an account at every turn
As Fig. 8 and shown in Figure 9, client machine system is preserved the contact method of client's input, and provides risk-informed book and contract read and confirm for the client.
Claims (4)
1. a self-help account opening automatic teller machine, is characterized in that, a series of expansion modules are installed on client machine system, and described expansion module comprises: touch-screen, bank card reader, identity card reader, camera, printer and communication device; Described client machine system adopts thin client, and the computer hardware platforms on basis is provided, and comprises the interface that expansion is used.
2. self-help account opening automatic teller machine according to claim 1, is characterized in that, also comprises numeric keypad, is used for replenishing alternately between client and client machine system.
3. self-help account opening automatic teller machine according to claim 1, is characterized in that, described communication device is connected with server by wired mode.
4. self-help account opening automatic teller machine according to claim 1, is characterized in that, described communication device is wireless communication apparatus, is connected with server by wireless mode.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN 201220048791 CN202948514U (en) | 2012-02-15 | 2012-02-15 | Self-service account opening teller machine |
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN 201220048791 CN202948514U (en) | 2012-02-15 | 2012-02-15 | Self-service account opening teller machine |
Publications (1)
| Publication Number | Publication Date |
|---|---|
| CN202948514U true CN202948514U (en) | 2013-05-22 |
Family
ID=48424207
Family Applications (1)
| Application Number | Title | Priority Date | Filing Date |
|---|---|---|---|
| CN 201220048791 Expired - Fee Related CN202948514U (en) | 2012-02-15 | 2012-02-15 | Self-service account opening teller machine |
Country Status (1)
| Country | Link |
|---|---|
| CN (1) | CN202948514U (en) |
Cited By (4)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN103456067A (en) * | 2013-08-31 | 2013-12-18 | 昆山建金工业设计有限公司 | Credit card applying machine for bank |
| CN105550928A (en) * | 2015-12-03 | 2016-05-04 | 城市商业银行资金清算中心 | System and method of network remote account opening for commercial bank |
| CN107067583A (en) * | 2015-11-13 | 2017-08-18 | 冲电气工业株式会社 | Expanding element and transaction system |
| CN109887195A (en) * | 2019-03-17 | 2019-06-14 | 中国建设银行股份有限公司 | A kind of operating method and system of self-help teller machine |
-
2012
- 2012-02-15 CN CN 201220048791 patent/CN202948514U/en not_active Expired - Fee Related
Cited By (5)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN103456067A (en) * | 2013-08-31 | 2013-12-18 | 昆山建金工业设计有限公司 | Credit card applying machine for bank |
| CN107067583A (en) * | 2015-11-13 | 2017-08-18 | 冲电气工业株式会社 | Expanding element and transaction system |
| CN105550928A (en) * | 2015-12-03 | 2016-05-04 | 城市商业银行资金清算中心 | System and method of network remote account opening for commercial bank |
| CN105550928B (en) * | 2015-12-03 | 2020-02-18 | 城银清算服务有限责任公司 | System and method for remote account opening of commercial bank network |
| CN109887195A (en) * | 2019-03-17 | 2019-06-14 | 中国建设银行股份有限公司 | A kind of operating method and system of self-help teller machine |
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Legal Events
| Date | Code | Title | Description |
|---|---|---|---|
| C14 | Grant of patent or utility model | ||
| GR01 | Patent grant | ||
| CF01 | Termination of patent right due to non-payment of annual fee |
Granted publication date: 20130522 Termination date: 20150215 |
|
| EXPY | Termination of patent right or utility model |