CN205608905U - Cash processing system - Google Patents

Abstract

The utility model discloses a cash processing system, include: ATM and central computer, this ATM has: the operating portion, cash processing mechanism portion, control part to and the 1st storage part, this central computer is connected via communication line and ATM, has: the 2nd storage part, data processing part, the operating portion has camera device and fingerprint identification device to and be located the inside processing module of control part, and camera device gathers user facial information, and fingerprint identification device gathers user's fingerprint, and the facial information that will gather, fingerprint information and the paper currency information that drops into are stocked in to the processing module in. Use the utility model discloses, through camera device and fingerprint identification device's use, the paper currency information of the user facial information that can the while gather camera device, the fingerprint information that fingerprint identification device gathered and user's input, if hat shop etc. Deposits in to the processing module in in the lump, can be in time through facial information and fingerprint information to required user.

Description

A kind of cash processing system

Technical field

This utility model relates to the technical field of a kind of bank processing equipment, particularly relates to a kind of cash processing system.

Background technology

Carrying out the access of cash or the many cash automated trading devices (hereinafter referred to as ATM (Automated Tellers Machine)) of cash transaction waited and collect in the cash processing system that the central computer (hereinafter referred to singly as center) of the accounts information managing user connects of transferring accounts via communication line, the Transaction Information concluded the business by ATM is sent to center, carrys out the accounts information of more new management user.

Patent No.: 201410018467.9 disclose a kind of cash processing system and method, after sending Transaction Information from ATM to center, conclude the business because central side breaks down invalid in the case of, ATM reclaims the cash deposited, and make the amount of money of the cash of recovery is established with accounts information the cash reimbursement list associated, preserve to the 1st storage part.When trouble shooting, the cash reimbursement list being saved in the 1st storage part is sent by ATM to center.The information of the cash reimbursement list sent from ATM is stored to the 2nd storage part by center.When the user ATM with identical accounts information is traded, center retrieval the 2nd storage part, the ATM that the information of the cash reimbursement list comprising identical accounts information is just operating to user is sent.ATM information based on the cash reimbursement list received shows the return amount of money on operating portion, and the return carrying out returning the amount of money to user processes.But when if this cash processing system occurs counterfeit money situation when receiving bank note, it is impossible to the timely and problem of user simultaneous.

Utility model content

The purpose of this utility model is to provide a kind of cash processing system, the bank note information of the facial information collected, finger print information and input is stored in processing module, the information of bank note with user is coincide with this.

To achieve these goals, the technical scheme that this utility model is taked is:

A kind of cash processing system, including: ATM and central computer；This ATM has: operating portion, user operate, and has input block and display unit；Cash handling apparatus structure portion, at least carries out the deposit of cash and to inside or cash is recycled to inside；Control portion, controls described operating portion and described cash handling apparatus structure portion, carries out making the control of the Transaction Information of the accounts information of the amount of money and the user comprising deposit；And the 1st storage part, it is used for preserving information；This central computer is connected with described ATM via communication line, has: the 2nd storage part, the accounts information of management user；And data processing division, the renewal of the described accounts information carrying out described 2nd storage part based on the described Transaction Information sent from described ATM processes；After sending described Transaction Information from described ATM to described central computer, become in the fault owing to occurring at this center calculation pusher side the transaction of cash invalid in the case of, the described control portion of described ATM controls described cash handling apparatus structure portion and is reclaimed by the cash of deposit, and make cash reimbursement list and preserve to described 1st storage part, this cash reimbursement list is that the amount of money of the cash of recovery is established the cash reimbursement list associated with the accounts information of user, later during trouble shooting, the described cash reimbursement list being saved in described 1st storage part is sent by described control portion to described central computer；In described central computer, the information of the described cash reimbursement list sent from described ATM is set up with described accounts information and is associated and be stored in described 2nd storage part by described data processing division；The described control portion of described ATM shows the return amount of money on the described display unit of described operating portion, and the return carrying out the described return amount of money to the user of described accounts information processes；It is characterized in that, described operating portion has camera head and fingerprint identification device, and it is positioned at the processing module within described control portion, described camera head gathers user facial information, described fingerprint identification device gathers user fingerprint, and the bank note information of the facial information collected, finger print information and input is stored in described processing module.

Above-mentioned a kind of cash processing system, wherein, described camera head is installed on the upper end of described ATM, described camera head just face to user, meanwhile, described camera head has image capture module, and described image capture module is connected with described processing module signal.

Above-mentioned a kind of cash processing system, wherein, described fingerprint identification device is installed at described operating portion, user need to first pass through after finger presses described fingerprint identification device and input password, simultaneously, described fingerprint identification device has finger print acquisition module, and described finger print acquisition module is connected with described processing module signal.

Above-mentioned a kind of cash processing system, wherein, described cash handling apparatus structure portion also includes flattening mechanism, and described flattening mechanism is two flat boards, and flat board described in two flattens the obverse and reverse of bank note respectively.

Above-mentioned a kind of cash processing system, wherein, described 2nd storage part stores accordingly by keeping the accounts information included in accounts information file and the described cash reimbursement list of the accounts information of user to set up, and stores and include returning the amount of money and represent the cash reimbursement data base of Management flag that whether the return process to user complete.

Above-mentioned a kind of cash processing system, wherein, described 2nd storage part storage keeps the accounts information file of the accounts information of user, and the accounts information included in described cash reimbursement list is set up corresponding with the described accounts information of described accounts information file, storage needs the state of cash reimbursement and returns the amount of money.

Above-mentioned a kind of cash processing system, wherein, returning method as cash, the described control portion of described ATM shows on described display unit and includes the 1st project and the picture of the 2nd project, the operation of described input block is utilized to select any one project in described 1st project and described 2nd project for user, 1st project is to returning the amount of money described in the fund account of user, and the 2nd project is to return cash from described ATM.

Above-mentioned a kind of cash processing system, wherein, in the case of have selected the 1st project by the operation of described input block, the described control portion of described ATM sends the information by returning the amount of money described fund account to described user to described central computer；Described central computer carries out deposit process to the account of user to the described return amount of money, updates described accounts information, and described Management flag is changed to the state that return has processed.

Above-mentioned a kind of cash processing system, wherein, in the case of have selected the 2nd project by the operation of described input block, the described control portion of described ATM controls described cash handling apparatus structure portion and will return the cash payment of the amount of money, and sends meaning the notice that return processed to described central computer；Described Management flag is changed to the state that return has processed by described central computer.

This utility model is owing to have employed above-mentioned technology, and the good effect being allowed to compared with prior art have is:

(1) by camera head and the use of fingerprint identification device, the bank note information that user facial information, the finger print information of fingerprint identification device collection and the user that can be simultaneously collected by camera head puts into, it is stored in the lump to processing module such as crown word number etc., if there is counterfeit money situation, it is possible to correspond to user by facial information and finger print information in time.

(2) by flattening the use of mechanism, it is possible to effectively first the bank note entering cash handling apparatus structure portion is flattened, it is to avoid bank note produces the phenomenons such as knuckle.

Accompanying drawing explanation

Fig. 1 is the figure of the composition representing cash processing system.

Fig. 2 is to represent to return cash list and need to return the figure of configuration example of cash DB.

Fig. 3 is the figure of the example representing display picture when transaction is false.

Fig. 4 A is the flow chart representing process when transaction is false.

Fig. 4 B is the flow chart representing process when transaction is false.

Fig. 5 is to represent the figure that in cash processing system, paper currency detection and bank note flatten.

Detailed description of the invention

The utility model is described in further detail with specific embodiment below in conjunction with the accompanying drawings, but not as restriction of the present utility model.

Enforcement one:

Fig. 1 represents the composition of cash processing system.The cash processing system used in financial institution is configured to, and many ATM1 are connected to via communication line manage on the central computer (with the referred to as center that places an order) 2 of the accounts information of user (diagram illustrate only 1 ATM).

ATM1 is to automatically carry out the deposit of user requirement or the cash automated trading device of cash transaction waited of withdrawing the money, Documents Department 18, the line connection 19 carrying out the exchange of information with center via communication line with operating portion 13, mechanism for card portion strip mechanism part 14, bankbook mechanism part 15, cash deposit machine portion 16, coin deposit machine portion 17, preservation Transaction Information etc. and control the control portion 12 in these each portions and constitute.

In said structure, operating portion 13 has input unit and the display part of the display guide screen for concluding the business of the information that user input needs when being traded.It is said that in general, operating portion 13 uses the input display that touch surface input unit and display part being integrally formed is board-like.In mechanism for card portion strip mechanism part 14, mechanism for card portion has the insertion to device of the transactional cards of user and discharging operation, to the magnetic stripe of transactional cards or the read functions etc. of the image of embossing (embossed) part reading write activity, transactional cards of the information of IC chip.Transaction content is printed onto in strip by strip mechanism part by Printing Department, strip is discharged.Bankbook mechanism part 15 has the insertion/discharging operation of the bankbook of user, to reading write activity, the printing functionality etc. of bankbook of the information of the magnetic stripe being pasted onto on bankbook.Cash deposit machine portion 16 and coin deposit machine portion 17 have by the spot assets of currency or coin and the function withdrawn the money, the discriminating of cash and conveying, by cash to incorporating section or the function that is recycled to recoverer.

Fig. 5 is to represent the figure that in cash processing system, paper currency detection and bank note flatten, operating portion 13 has camera head 131 and fingerprint identification device 132, and it is positioned at the processing module 134 within control portion 12, camera head 131 is for gathering the facial information of the user that income inserts notes here, fingerprint identification device 132 is for gathering the finger print information of user, and the facial information that camera head 131 will collect, the bank note information that fingerprint identification device 132 puts into for the finger print information gathered and user, it is stored in the lump to processing module 134 such as crown word number etc..

Concrete, camera head 131 is installed on the upper end of ATM1, and camera head 131 just face to user, with this, when user inserts notes here or before, camera head 131 starts to gather the facial information of user.Camera head 131 has image capture module, and image capture module is connected with processing module 134 signal, the facial information that camera head 131 collects is stored in processing module 134 with this.

Fingerprint identification device 132 is installed at operating portion 13, and user inserts after bank card, inputs password and insert notes here and realize subsequent operation after need to first passing through finger pressing fingerprint identification device 132.Fingerprint identification device 132 has finger print acquisition module, and finger print acquisition module 102 is connected with processing module 134 signal, is stored in processing module 134 by the finger print information that fingerprint identification device 132 gathers with this.By camera head 131 and the use of fingerprint identification device 132, finger print information that the user facial information that can simultaneously be collected by camera head 131, fingerprint identification device 132 gather and the bank note information that user puts into, as crown word number etc. is stored in the lump to processing module 134, if there is counterfeit money situation, it is possible to correspond to user by facial information and finger print information in time.

Cash handling apparatus structure portion, i.e. includes flattening mechanism 133 at cash deposit machine portion 16, and flattening mechanism 133 is two flat boards, and two flat boards are respectively used to flatten the obverse and reverse of bank note, are easy to ATM1 with this and gulp down and take bank note.

DB Documents Department 18 preserves Transaction Information file 181 and need to return cash list 182, and this Transaction Information file 181 stores the Transaction Information of user；This need to return cash list 182, in the case of the transaction of cash is false and is recovered in device by cash during center transfers Transaction Information, temporarily records Transaction Information.Control portion 12 has execution program and carries out the processor (CPU) of the process of the Transaction Information of cash and preserve memorizer or the storage device etc. of Transaction Information.

Central computer 2 is to maintain the accounts information of user, is updated by the balance amount information of account according to transaction and manage, and is configured to have: line connection 22, is connected with ATM1 via communication line；Documents Department 23, preserves accounts information file 231 and need to return cash DB232；Data processing division 24, carries out processing about the data of various Transaction Informations；Document control portion 25, carries out the control reading write of Documents Department 23.Here, data processing division 24 is carried out the processor of information processing and constitutes by execution program, and Documents Department 23 is made up of storage device as hard disk unit.

Accounts information file 231 according to the accounts information record of user about the information of remaining sum etc. of transaction.Cash DB232 keeping need to be returned and return the information of cash list 182 from the need that ATM1 sends.About its structure, described below with reference to Fig. 2.

With reference to Fig. 2, to returning cash list 182 and the structure example of cash DB232 need to be returned illustrate.As shown in (A), need to return cash list 182 by the account number 1821 of invalid user of concluding the business, there is the day of trade time 1822, the amount of money 1823 need to be returned and make day time 1824 constitute, during this generation day of trade, 1822 when representing the day being taken in ATM by the cash that user is deposited (when there occurs transaction invalid day)；This need to be returned the amount of money 1823 and represent the return amount of money to user；When during this making day, 1824 expressions make this day that need to return cash list.

As shown in (B), need to return cash DB232 by the account number 2321 of invalid user of concluding the business, occur the day of trade time 2322, need to return the amount of money 2323, make day time 2324 and Management flag 2325 constitute, during this generation day of trade 2322 represent transaction be false occur day time；This need to be returned the amount of money 2323 and be represented to the return amount of money of user；During this making day, the list of cash returned by 2324 need making account number；This Management flag 2325 represents that the return to user cash completes the most.Management flag 2325 represents with " 1 " in the case of the return of cash is completed, represents with " 0 " in the case of being not fully complete.

It addition, in the case of the account number that there is multiple user that need to return cash, make the entry of multiple said structure.That is, increase whenever account number, just entry 1 is added each and every one.

Fig. 3 represents the example of display picture when transaction is false.

(A) it is the example of the picture 30 shown on display part when transaction is false.When there occurs that transaction is false, display means ATM can not be used and be meant the picture needed to pipe crewman inquiry.

(B) it is the picture 31 next opportunity after transaction is false the user being traded with ATM shown.

Generally, user is when starting to conclude the business with ATM, being inserted to mechanism for card portion 14 by the medium of transactional cards or bankbook etc., if inputting the password of user to the input unit of operating portion 13 or selecting without card conclude the business corresponding with account number, then control portion 12 starts trading processing.

Now, whether the account number of retrieval user is that the account number in cash DB232 returned by the need having logged in center 2, if the account number of correspondence, then picture 31 is shown on the display part of ATM1 by control portion 12.User can be selected as some in the project 312～314 selecting branch to show.

If such as selecting the project of " on-the-spot return (312) " (cash reimbursement), then invalid cash of concluding the business (i.e. the cash (currency or coin) of temporary safe-keeping) is returned to user.If additionally, select the project of " fund account (313) ", then carry out processing the cash corresponding with refund amount to the fund account of user.In addition it is also possible to imagine the vague situation of user and arrange the project of " wishing the reply (314) at window ".

(C) be in picture 31, have selected " wishing the reply at window (314) " in the case of and in the case of have selected " on-the-spot return (312) ", the example of the picture 32 of display in the case of the sending of the cash that can not carry out returning in ATM1.

Then, with reference to Fig. 4 A～Fig. 4 B, process action when being false the transaction caused because of central fault illustrates.

Showing deposit on the display part of the operating portion 13 of ATM1 or the transaction waited of withdrawing the money selects picture, user such as selects credit transaction, reselection card transaction or conclude the business without card, inputs password from inputting picture.Control portion 12 confirmation is the correct password of user, starts credit transaction (S400).

If control portion 12 shows the guide screen that cash puts on display part, then user is according to this guide screen, inserts notes here to cash deposit machine portion 16 or coin deposit machine portion 17 or the cash (S401) of coin.(following, the situation in coin deposit machine portion 17 is omitted, and records as a example by cash deposit machine portion 16).The number of the bank note put in cash deposit machine portion 16 is counted by control portion 12, calculates the Amount in Total (S403) of deposit.Further, control portion 12 shows the Amount in Total (S404) of deposit on display part, if user confirms the Amount in Total of display and confirms input (S405) from input unit, then control portion 12 carries out center transmission (S406).If the Amount in Total of deposit is confirmed by user, then control portion 12 makes and dealing money (deposit Amount in Total) is established with the account number of user the Transaction Information file 181 associated, and temporarily preserves Transaction Information file 181 to Documents Department 18.Control portion 12 is by sending to center 2 by the message comprising the Transaction Information file 181 preserved in Documents Department via line connection 19 and communication line and carry out center transmission.

Assume, after center sends, to there occurs fault (S51) at communication line or center 2 (hereinafter referred to as central side).In from ATM1 to the communication of the message at center 2, by receiving the response message from center 2 within certain time after ATM1 sends message, control portion 12 is judged as having carried out normal communication and trading processing.Under normal conditions, the accounts information of user is updated by center 2, the response message that transaction is set up is sent to ATM1 within certain time.If the control portion 12 of ATM1 receives the response message (in the case of Zheng Chang) that transaction is set up, the display picture meaning closing the transaction is controlled display on display part by control portion 12, then control the action that mechanism for card portion 14 carries out returning transactional cards to user, and control strip mechanism illustrates the printing of book and the action of distribution.

On the other hand, fault due to side, center 2, the control portion 12 of ATM1 by the message comprising Transaction Information file 181 after center 2 sends, be not received by the case of the response message at center 2 within a certain period of time, it is judged that be false (S407) for credit transaction.In the case, the accounts information file 231 of this user at center 2 is not updated.Control portion 12 be judged as concluding the business invalid in the case of, control cash deposit machine portion 16, bank note to be deposited for user be recycled to recoverer (S408).

And then, control portion 12 makes the need about this transaction invalid of concluding the business and returns cash list 182, preserves (S409) to Documents Department 18.Further, control portion 12 shows picture 30 on display part, terminates the transaction (S4010) of this user.It addition, when closing the transaction, the transactional cards being inserted in mechanism for card portion 14 is returned to user, the bankbook being inserted in bankbook mechanism part 15 is returned.

When closing the transaction, the fault at center 2 may the most not recovered.Then, ATM1 receives the message sent from center 2, be judged as (S52) in the case of the fault at center is recovered in control portion 12, keeping need in Documents Department 18 are returned cash list 182 and are sent (S4011) via line connection 19 to center 2 by control portion 12.It addition, exist multiple need to return cash list 182 in the case of, whole by them send to center 2.

If the data processing division 24 at center 2 receives the need sent from ATM1 and returns cash list 182 (S421), according to returning cash list 182, make the entry (Fig. 2 (B)) (S422) that need to return cash DB232.That is, cash DB232 reading need to be returned by document control portion 25, the entry that cash list returned by the need of new production is added.

Then, process when identical user invalid to transaction uses the ATM of identical financial institution to be traded illustrates (with reference to Fig. 4 B).In the case, as the feature of the present embodiment, the process returned by invalid cash of concluding the business in the past is carried out to this user.

User as common transaction, the display part of the operating portion 13 of ATM1 shows deposit or withdraw the money wait transaction select picture, if selection card transaction or without card transaction, then control portion 12 start transaction (S412).According to display guide screen on the display part of operating portion 13, user inputs password (S413) from operating portion 13.The Transaction Information of the password comprising record account number in the transactional cards of user and input is sent (S414) to center 2 by control portion 12.

Center 2 receives the Transaction Information sent from ATM1, if data processing division 24 confirms that the password of this user is correct, then retrieval need to return cash DB232, checks whether logged in the entry (S423) comprising the account number received in need to returning cash DB232.In the case of the result of this inspection is the entry being not logged on comprising account number in need to returning cash DB232, ATM1 is indicated to carry out common transaction (S427) by data processing division 24.In common transaction, the control portion 12 of ATM1 show on the display part of operating portion 13 deposit or withdraw the money wait transaction selection picture, selected by user.

In the case of the result of above-mentioned inspection is the entry being logged in comprising account number in need to returning cash DB232, carry out distinctive process (S423 " has ").I.e., the data (needing cash reimbursement data) logging in the entry that cash returned by need corresponding to the account number with this user that need to return in cash DB232 are read by data processing division 24, send (S424) via line connection 22 to the ATM1 that have sent this Transaction Information.

If ATM1 receives the need sent from center 2 and returns cash data via line connection 19, then the picture 31 meaning " bank note having taken care of previous transaction " is shown on display part (S415) by control portion 12.User operation inputting part, it is possible to " on-the-spot return " (cash reimbursement), " fund account " shown by picture 31, " reply at window " middle selection certain 1 (S416).

If user selects " on-the-spot return ", cash during then control portion 12 confirms cash deposit machine portion 16 (or coin deposit machine portion 17) adds the state of paper money, if able to carry out cash sends (S416 " OK "), then the bank note (or coin) of the amount of value (needing to return the amount of money) there taken care of from user when transaction is false is sent by cash deposit machine portion 16 (or coin deposit machine portion 17) from bank note (coin) incorporating section, returns (S418) to user.Further, control portion 12 sends meaning the message having returned cash for this account number that need to return cash data to center 2.

If center 2 receives this notice, then data processing division 24 is under the control in document control portion 25, and the Management flag 2325 that need to return the entry corresponding with account number of cash DB232 is rewritten as " 1 " (S426).Thus, the process of the return of invalid cash of concluding the business completes, and then shifts (S427) to common trading processing.

In the selection carried out by picture 31, if user selects " fund account ", then control portion 12 carries out being stored in the amount of money that need to return the message of account for this account number that need to return cash data send meaning to center 2.

If center 2 receives this notice, then data processing division 24 is under the control in document control portion 25, and the amount of money deposit carrying out the account number of account message file 231 returning processes, and more new account balance (S425).Further, the Management flag 2325 that need to return the entry corresponding with account number of cash DB232 is rewritten as " 1 " (S426).Thus, the process of the return of invalid cash of concluding the business completes, and then shifts (S427) to common trading processing.

And then, in the selection by picture 31, if user selects " window is corresponding ", then picture 32 is shown on display part (S419) by control portion 12.If user sees the display of picture 32, then go to the window of financial institution.In the case, the explanation of adopter crewman, return or the process of fund account of cash is carried out at window.

After process when above transaction is false, after some period of time, the entry that Management flag is " 1 " that need to return cash DB232 is deleted (S428).

As above, when the cash having been carried out credit transaction by ATM is taken in bank note (coin) access mechanism portion, become because of the fault of central side transaction invalid in the case of, making need to return cash list, by its data at centre management, then, in the case of this user has carried out transaction with ATM, according to being returned the data of cash list by the need of centre management, processed by the selection of user, with by cash reimbursement or carry out fund account.Thereby, it is possible to save the most such time along with cash reimbursement and the time of pipe crewman, it is possible to improve the convenience of the cash transaction of user further.

Embodiment two:

Embodiment 1 utilizes the ATM of identical financial institution, carries out the trading processing (Fig. 4 A, the process of Fig. 4 B) for transaction originally and cash reimbursement.

In example 2, carry out in the system (collaborative financial institution transaction system) of the transaction of cash at the ATM utilizing different financial institutions, it is also possible to be traded cash reimbursement when being false and process.

For example, it is assumed that the user holding the transactional cards of financial institution A carries out credit transaction in the ATM of financial institution A originally and is that transaction is false.In the case, cash DB232 returned by the need that formation illustrates in embodiment 1 in the center (central computer A) of financial institution A.Then, it is assumed that the identical user ATM of the financial institution B collaborative with financial institution A has started transaction.In the case, the Transaction Information (including the password of account number and user) of this user is sent by the control portion of the ATM of financial institution B to the central computer B of financial institution B, and this Transaction Information is sent to the central computer A of financial institution A by central computer B by communication line.

In central computer A, confirm that the password of user is the most correct, and check the account number (Fig. 4 B, step S423) whether being logged in this user in need to returning cash DB232.If the result checked is to have the invalid account number of transaction, then need to return cash data and send to central computer B.Show picture 31 (Fig. 3) on the display part of the ATM of central computer B financial institution B in user is concluded the business, make user that the mode of cash reimbursement to be selected (Fig. 4 B, step S415).

Then as action substantially process with Fig. 4 B is.In a word, compared with Example 1, difference be the financial institution A having account at the ATM of financial institution B and the user of user transaction central computer A between clip central computer B, it will be appreciated that, the feature of the essence of the process action (Fig. 4 A, Fig. 4 B) when transaction is false is not changed in.

Embodiment three:

The chance that embodiment 1 and 2 is traded with ATM after utilizing user is traded the process of cash reimbursement when being false.

In embodiment 3, it not when using the transaction of ATM, but hold user and utilize the chance of Internet banking of this financial institution to be traded the process of cash reimbursement when being false.

As premise, it is assumed that user carries out credit transaction at ATM and concludes the business and be false, cash DB232 returned by the need defining embodiment 1 in center 2.

When user accepts the Internet banking of this financial institution, user uses PC (personal computer) or the accounts information file 231 of oneself at portable terminal device (hereinafter referred to singly as user terminal) access center 2 of oneself.Now, the password of user and the Transaction Information of account number are comprised from user terminal to center 2 transmission.The data processing division 24 at center 2 confirms that the password of user is the most correct, and checks the account number (Fig. 4 B, step S423) whether being logged in this user in need to returning cash DB232.If the result checked is to have the invalid account number of transaction, then send for the inquiry message of the disposal of the cash of keeping when transaction is false to the user terminal of this user, the display part of user terminal shows this message, it is possible to making user select is will to return gold return by returning golden deposit in the account of user or in the future in the site of financial institution.As this process with the process of step S414～S415 is.

And then, as variation, the requirement of the Internet banking of user can also be not to wait for, and in the case of there occurs that transaction is invalid, the data processing division 24 at center 2 logs in addresses of items of mail destination in Documents Department 23, user terminal to user in advance as personal information, sends about the inquiry message of the disposal of the cash of keeping when transaction is false.User sees the display of message, and can carry out Internet banking, or goes to the site of financial institution in the future, or ATM can be utilized as in Example 1 to carry out the process of Fig. 4 B.

Embodiment four:

In embodiment 1, the Documents Department 23 in being in center 2 has and need to return cash DB232, but it is not necessary to individually possess this need to return cash DB232.

In example 4, it is possible to the most individually have in Documents Department 23 and need to return cash DB232, make to return cash DB232 corresponding to the account number of accounts information file 231 of each user and there is the project of the data that should log in.I.e., when there occurs that transaction is false in certain account number of user, when data processing division 24 can will occur the day of trade corresponding to the account number of accounts information file 23 2322, the amount of money 2323 need to be returned, making day that cash list need to be returned time 2324 and Management flag 2325 log in or update.

Above, embodiment of the present utility model is illustrated, but this utility model is not limited to above-described embodiment, it is possible to deform further, apply and implement.

Such as, need to return cash list, need to return the title of cash DB etc. be to illustrate, as long as this function follows purport of the present utility model, it is also possible to be other titles.For example, it is also possible to referred to as be false gold managing listings, transaction of transaction is false gold management table or its DB.Can also singly be referred to as transaction be false gold management data.

Claims (7)

1. a cash processing system, including:

ATM and central computer；

This ATM has: operating portion, user operate, and has input block and display unit； Cash handling apparatus structure portion, at least carries out the deposit of cash and to inside or cash is recycled to inside； Control portion, controls described operating portion and described cash handling apparatus structure portion, carries out making the amount of money comprising deposit And the control of the Transaction Information of the accounts information of user；And the 1st storage part, it is used for preserving information；

This central computer is connected with described ATM via communication line, has: the 2nd storage part, pipe The accounts information of reason user；And data processing division, based on the described transaction sent from described ATM Information carries out the renewal of the described accounts information of described 2nd storage part and processes；

After sending described Transaction Information from described ATM to described central computer, due in this Fault that heart computer-side occurs and become the transaction of cash invalid in the case of, the institute of described ATM State control portion control described cash handling apparatus structure portion and reclaimed by the cash of deposit, and make cash reimbursement List also preserves to described 1st storage part, this cash reimbursement list be by the amount of money of the cash of recovery with make The accounts information of user establishes the cash reimbursement list of association, later during trouble shooting, described The described cash reimbursement list being saved in described 1st storage part is sent out by control portion to described central computer Send；

In described central computer, the described cash that described data processing division will send from described ATM The information returning list associates and is stored in described 2nd storage part with the foundation of described accounts information；

The described control portion of described ATM shows the return amount of money on the described display unit of described operating portion, The return carrying out the described return amount of money to the user of described accounts information processes；It is characterized in that,

Described operating portion has camera head and fingerprint identification device, and is positioned within described control portion Processing module, described camera head gathers user facial information, and described fingerprint identification device collection uses Person's fingerprint, and the bank note information of the facial information collected, finger print information and input is stored in described In processing module.

Cash processing system the most according to claim 1, it is characterised in that

Described camera head is installed on the upper end of described ATM, described camera head just face to user Portion, meanwhile, described camera head has image capture module, described image capture module and described process Module by signal connects.

Cash processing system the most according to claim 1, it is characterised in that

Described fingerprint identification device is installed at described operating portion, and it is described that user need to first pass through finger pressing Inputting password after fingerprint identification device, meanwhile, described fingerprint identification device has finger print acquisition module, institute State finger print acquisition module to be connected with described processing module signal.

Cash processing system the most according to claim 1, it is characterised in that described cash handling apparatus structure portion is also Including flatten mechanism, described flattening mechanism is two flat boards, flat board described in two flatten respectively bank note front and Reverse side.

Cash processing system the most according to claim 1, it is characterised in that described 2nd storage part will keep Accounts information included in the accounts information file of the accounts information of user and described cash reimbursement list Set up and store accordingly, and storage includes returning the amount of money and representing to process to the return of user whether complete The cash reimbursement data base of Management flag.

Cash processing system the most according to claim 1, it is characterised in that described 2nd storage part storage is protected Hold the accounts information file of the accounts information of user, and by the account included in described cash reimbursement list Family information is set up corresponding with the described accounts information of described accounts information file, and storage needs the shape of cash reimbursement State and the return amount of money.

7. according to cash processing system described in any one in claim 1 to 6, it is characterised in that as existing The returning method of gold, the described control portion of described ATM shows on described display unit and includes the 1st Mesh and the picture of the 2nd project, utilize the operation of described input block to select described 1st for user Any one project in mesh and described 2nd project, the 1st project is to described in the fund account of user Returning the amount of money, the 2nd project is to return cash from described ATM.