CN205451316U - Loan done by oneself machine - Google Patents
Loan done by oneself machine Download PDFInfo
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- CN205451316U CN205451316U CN201620199455.5U CN201620199455U CN205451316U CN 205451316 U CN205451316 U CN 205451316U CN 201620199455 U CN201620199455 U CN 201620199455U CN 205451316 U CN205451316 U CN 205451316U
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Abstract
The utility model provides a loan done by oneself machine, including human machine interactive device, the primary server and network, human machine interactive device the primary server and network order are in proper order connected, human machine interactive device connects authentication device, withdraw the money device, printing apparatus, camera device and burglar alarm by oneself respectively, the primary server passes through the server communication in network and bank or management of money matters place. Loan done by oneself machine be man -machine interface, avoided the awkward and poverty -stricken of people and the direct debt -credit of people, on -the -spot loan is through after verifing moreover, can be directly draws the cash or the bank card of transferring accounts at the loan machine, and is ageing strong, handles then and there, loans then and there and pays the bill, authentication device, camera device and burglar alarm combined action have guaranteed the security of equipment.
Description
Technical field
This utility model belongs to electrical equipment, especially relates to a kind of loan done by oneself machine.
Background technology
Consumptive loan in the past is mainly used to buy electrical equipment, Mai Shouji, widens now the friendship more areas such as rent, car detailing.Existing pattern of lending is typically finance company or bank provides a loan, or with individual provides a loan, but personal loan number is limited, go bank loan formality loaded down with trivial details, in distance and all inconvenient on the time, and the embarrassment directly borrowed or lent money because of person to person is with poverty-stricken, can be to bringing insecurity on user psychology, so how design and a kind of reduce tediously long various debt-credit step, what shortening was the longest handles the time, and providing the user the most convenient, fast, safe and convenient debt-credit mode becomes the problem of those skilled in the art's research.
Utility model content
In view of this, this utility model is directed to a kind of convenient, fast, safe and convenient self-service loaning bill machine.
For reaching above-mentioned purpose, the technical solution of the utility model is achieved in that
A kind of loan done by oneself machine, including human-computer interaction device, master server and network, described human-computer interaction device, described master server and network are linked in sequence successively, described human-computer interaction device connects identification authentication system, self-help drawing money device, printing device, camera head and burglar alarm respectively, and described master server is by described network and bank or the server communication in financing place.
Described identification authentication system includes that identity card reads at least two identified in device, iris recognition module and fingerprint identification module.
The alarm device that described burglar alarm is driven by the server of described master server and network and described bank or financing place links.
Also include that standby server, described standby server are connected with described master server and network respectively.
Described loan done by oneself machine is by mains-supplied.
It is provided with UPS between described loan done by oneself machine and described civil power.
Built-in moistureproof Shockproof speaker it is provided with in described iris recognition module.
Relative to prior art, loan done by oneself machine described in the utility model has the advantage that
(1) loan done by oneself machine described in the utility model is human-computer interaction interface, it is to avoid embarrassment that person to person directly borrows or lends money and poverty-stricken, and after on-the-spot loan is by examination & verification, directly can extract cash or bank card of transferring accounts at loan machine, ageing handling on the spot by force, loan is paid the bill on the spot；Identification authentication system, camera head and burglar alarm act on jointly, it is ensured that the safety of equipment；
(2) burglar alarm of the present utility model and the alarm device linkage in bank or financing place, improve safety further；
(3) during master server fault, standby server is automatically switched to, loss of data when standby server is possible to prevent master server fault and the non-stop run of server.
(4) when the setting of UPS can ensure that municipal power failure, equipment can also work on, it is ensured that municipal power failure does not interferes with user operation process, improves the troubleshooting capability of equipment further.
Accompanying drawing explanation
The accompanying drawing constituting a part of the present utility model is further appreciated by of the present utility model for providing, and schematic description and description of the present utility model is used for explaining this utility model, is not intended that improper restriction of the present utility model.In the accompanying drawings:
Fig. 1 is this utility model loan done by oneself machine theory diagram；
Detailed description of the invention
It should be noted that in the case of not conflicting, the embodiment in this utility model and the feature in embodiment can be mutually combined.
Describe this utility model below with reference to the accompanying drawings and in conjunction with the embodiments in detail.
A kind of loan done by oneself machine, including human-computer interaction device, master server and network, described human-computer interaction device, described master server and network are linked in sequence successively, described human-computer interaction device connects identification authentication system, self-help drawing money device, printing device, camera head and burglar alarm respectively, and described master server is by described network and bank or the server communication in financing place.
Described identification authentication system includes that identity card reads at least two identified in device, iris recognition module and fingerprint identification module.
The alarm device that described burglar alarm is driven by the server of described master server and network and described bank or financing place links.
Also include that standby server, described standby server are connected with described master server and network respectively.
Described loan done by oneself machine is by mains-supplied.
It is provided with UPS between described loan done by oneself machine and described civil power.
Use following mode of operation:
1. interactive mode, because there is no face-to-face talk, the most fabulous individual privacy that protects, also eliminate embarrassment that person to person directly borrows or lends money with poverty-stricken simultaneously, bring the psychological security to user, also there is good confidentiality.
2. full self-help model, from registering, apply for, audit, sign a contract, transfer accounts bank card or cash withdrawal, refund information inquiry, loan machine uses full self-help model, on a loan machine, is fully completed.Avoiding person to person and exchange the major gap of understanding of generation, decrease tediously long various debt-credit step simultaneously, the longest handles the time, provide the user the most convenient, fast, borrow or lend money pattern easily.
3. high definition capacitance touch design of LED, Large Copacity RAM and ROM, high definition, touch screen, Large Copacity host and mass data storage, it is simple to the quick accurate operation of user and inquiry, by sense of touch and visual sense unified fusion.
4. key entry area, uses the input of full key board disc type, and consistent with universal keyboard on the market, utilitarian function is extended.
5. possesses identity card identification region, use international advanced TypeB non-contact IC card reading technology, it is equipped with private identity card security control mould (SAM), after carrying out safety certification with wireless transmission method with the special chip in No.2 residence card, personal information data in chip is read, this information is uploaded to master server, and complete to decode, show, store, inquire about and the function such as automatic input, can determine whether the RFID chip in second generation identity card, effectively prevent and identify that false identities is demonstrate,proved.
6. utilize optical technology, semiconductor silicon technology and ultrasonic technology, the characteristic taken the fingerprint and then identification user identity, improve the safety of system, facilitate the reliability of encrypting module.
7. effectively identify according to the textile-like colors ring structure in pupil in eyes and verify, DAUGMAN algorithm is used to extract the characteristic point needed for iris identification from iris image, and it is encoded, and then identification user identity, improve the safety of system, facilitate encrypting module reliability.
8. boombox equipment, plays relevant prompt tone when iris verification operates, uses CRS specialized loudspeaker, it is adaptable to moistureproof shockproof, IP65 protection class, and frequency type: all frequency range occurs without situations such as distorsions.
9. possess printing function, support multiple with bar code printing, the printing of A4 paper.Bar code printing, can go up paper, automatic paper-cutting automatically, and print speed is fast, and reliability is high, can accommodate major diameter coil paper；A4 paper prints, and is used for printing loan agreement.According to loan machine debt-credit step, complete operation, after examination & verification, optional printing loan agreement, print to lid red company official seal, the contract original paper of user's signature for the first time, print the most every time, be black and white version copy.
10. burglar alarm, built-in alarm button, by with bank or the connectivity of financing place warning device, alarm sounds the tinkle of bells (machine and place synchronize to carry out) at once after touching alarm button, security performance is greatly improved.
11. HD video camera devices, record whole operating process, and in machine camera lens, comprehensive record is without dead angle, it is ensured that video data is smooth, uploads onto the server in time, and security performance is greatly improved.
12.UPS (uninterrupted power source): when commercial power interruption (forced outage); UPS is immediately by the direct current energy of battery; continue supply 220V alternating current by the square normal load of inversion zero conversion switching time, make load maintain and normally work and protect load soft and hardware without damage.UPS equipment generally can provide protection to overtension or brownout, and user is in use unaffected, and protects when commercial power interruption (forced outage), machine properly functioning.
The checking information of 13. all devices is verified to server end by touch screen; for not preserving individual subscriber important information inside protection privacy of user local system; user profile only stores server end and verifies; user carries out the amount of the loan filled in when loan transaction is handled, the intended use of the loan, refunds the time; traffic type information, fingerprint; iris, the information such as identity card preserves at server end and mates, and has ensured uniqueness and the safety of customer information.
14. troubleshootings-there is timely backup functionality-(soft copy hard copy), there is rapid disaster recovery capability, take into full account the processing mode of various emergency situations simultaneously, if the background data base of system is because of power-off, when deadlock reason cannot log in, system can automatically switch to backup server to ensure that user can continue to access, and in case of deadlock card is waited indefinitely problem, has a one-key backup recovery upper interface to problem interface.
Using method:
1. by human-computer interaction interface or mobile phone A PP of loan done by oneself machine, user can inquire about transactor's name, name of product, handle the time, handle place, bank card number and Bank Name, loan progress, loan limit, debt-credit total amount, the refund amount of money, refund a moon number, monthly refund the amount of money, the amount of money of not refunding, a moon number of need to refunding, monthly need the information such as the refund amount of money.
2. after submitting Shen loan data to, analysis method based on high-quality and huge analytical data, client's maximum limit on lendings degree can be analyzed after submission immediately, analyze speed quick, accelerate the whole flow process of loan operation.
3. after loan is by examination & verification, loan agreement can be printed with A4 paper, print to lid red company official seal, the contract original paper of user's signature for the first time, print the most every time, be black and white version copy.
4. after loan is by examination & verification, directly can extract cash or bank card of transferring accounts at loan machine, ageing handle on the spot by force, provide a loan on the spot and pay the bill.
5. loan machine can be inserted into advertisement at 17 cun of high definition electric capacity display screens, carries out advertising.
6. identity recognizing technology, fingerprint typing identification technology and iris typing identification technology being combined, 3 weight protective measures combine, and protect the uniqueness of user and the safety of user profile.
7. iris typing identification system, can identify the height of user, automatic angular adjustment automatically, and regulation is to optimal typing identification angle.
8. user carries out personal information typing by display screen by prompting step, and for ensureing the Experience Degree of user, user carries out the voice reminder of hommization in operation, improves the operation ease of user.
9. the user data of collection is encrypted and is transferred to data base by self-aided terminal constantly.
10., after full detail reaches data base, by analysis method and the huge analytical data of the high-quality of company, analyze the maximum limit on lendings degree of user, if user apply for loan limit in the range of maximum limit on lendings degree, by examination & verification.
11. users print contract, strip, extraction loan cash or bank card of transferring accounts.
If 12. users apply for that amount is more than maximum limit on lendings degree scope, revise to maximum limit on lendings degree, by examination & verification.
The foregoing is only preferred embodiment of the present utility model; not in order to limit this utility model; all within spirit of the present utility model and principle, any modification, equivalent substitution and improvement etc. made, within should be included in protection domain of the present utility model.
Claims (7)
1. a loan done by oneself machine, it is characterized in that: include human-computer interaction device, master server and network, described human-computer interaction device, described master server and network are linked in sequence successively, described human-computer interaction device connects identification authentication system, self-help drawing money device, printing device, camera head and burglar alarm respectively, and described master server is by described network and bank or the server communication in financing place.
Loan done by oneself machine the most according to claim 1, it is characterised in that: described identification authentication system includes that identity card reads at least two identified in device, iris recognition module and fingerprint identification module.
Loan done by oneself machine the most according to claim 1, it is characterised in that: the alarm device that described burglar alarm is driven by the server of described master server and network and described bank or financing place links.
Loan done by oneself machine the most according to claim 1, it is characterised in that: also include that standby server, described standby server are connected with described master server and network respectively.
5. according to the loan done by oneself machine described in any one of claim 1-4, it is characterised in that: described loan done by oneself machine is by mains-supplied.
Loan done by oneself machine the most according to claim 5, it is characterised in that: it is provided with UPS between described loan done by oneself machine and described civil power.
Loan done by oneself machine the most according to claim 2, it is characterised in that: it is provided with built-in moistureproof Shockproof speaker in described iris recognition module.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201620199455.5U CN205451316U (en) | 2016-03-15 | 2016-03-15 | Loan done by oneself machine |
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201620199455.5U CN205451316U (en) | 2016-03-15 | 2016-03-15 | Loan done by oneself machine |
Publications (1)
| Publication Number | Publication Date |
|---|---|
| CN205451316U true CN205451316U (en) | 2016-08-10 |
Family
ID=56602856
Family Applications (1)
| Application Number | Title | Priority Date | Filing Date |
|---|---|---|---|
| CN201620199455.5U Expired - Fee Related CN205451316U (en) | 2016-03-15 | 2016-03-15 | Loan done by oneself machine |
Country Status (1)
| Country | Link |
|---|---|
| CN (1) | CN205451316U (en) |
Cited By (7)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN107730777A (en) * | 2017-11-13 | 2018-02-23 | 西安智与行软件科技有限公司 | A kind of loan done by oneself machine background management system and method |
| CN107784750A (en) * | 2017-11-13 | 2018-03-09 | 西安智与行软件科技有限公司 | A kind of loan done by oneself machine terminal management system and method |
| CN108335193A (en) * | 2018-01-12 | 2018-07-27 | 深圳壹账通智能科技有限公司 | Whole process credit methods, device, equipment and readable storage medium storing program for executing |
| CN108364224A (en) * | 2018-01-12 | 2018-08-03 | 深圳壹账通智能科技有限公司 | Credit risk joint control method, apparatus, equipment and readable storage medium storing program for executing |
| CN108734897A (en) * | 2018-05-22 | 2018-11-02 | 深圳怡化电脑股份有限公司 | Withdrawal method, withdrawal checking method, device, cash dispenser, server and medium |
| CN109300044A (en) * | 2018-09-19 | 2019-02-01 | 芜湖海豚信息科技有限公司 | A kind of finance management system |
| CN111986404A (en) * | 2020-09-01 | 2020-11-24 | 中国银行股份有限公司 | Withdrawal limit borrowing method based on ATM and related device |
-
2016
- 2016-03-15 CN CN201620199455.5U patent/CN205451316U/en not_active Expired - Fee Related
Cited By (8)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN107730777A (en) * | 2017-11-13 | 2018-02-23 | 西安智与行软件科技有限公司 | A kind of loan done by oneself machine background management system and method |
| CN107784750A (en) * | 2017-11-13 | 2018-03-09 | 西安智与行软件科技有限公司 | A kind of loan done by oneself machine terminal management system and method |
| CN108335193A (en) * | 2018-01-12 | 2018-07-27 | 深圳壹账通智能科技有限公司 | Whole process credit methods, device, equipment and readable storage medium storing program for executing |
| CN108364224A (en) * | 2018-01-12 | 2018-08-03 | 深圳壹账通智能科技有限公司 | Credit risk joint control method, apparatus, equipment and readable storage medium storing program for executing |
| CN108734897A (en) * | 2018-05-22 | 2018-11-02 | 深圳怡化电脑股份有限公司 | Withdrawal method, withdrawal checking method, device, cash dispenser, server and medium |
| CN109300044A (en) * | 2018-09-19 | 2019-02-01 | 芜湖海豚信息科技有限公司 | A kind of finance management system |
| CN111986404A (en) * | 2020-09-01 | 2020-11-24 | 中国银行股份有限公司 | Withdrawal limit borrowing method based on ATM and related device |
| CN111986404B (en) * | 2020-09-01 | 2022-01-28 | 中国银行股份有限公司 | Withdrawal limit borrowing method based on ATM and related device |
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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 | ||
| CF01 | Termination of patent right due to non-payment of annual fee |
Granted publication date: 20160810 Termination date: 20190315 |