CN205983684U - How self -service financial service system of bank outlets - Google Patents

How self -service financial service system of bank outlets Download PDF

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Publication number
CN205983684U
CN205983684U CN201620598148.4U CN201620598148U CN205983684U CN 205983684 U CN205983684 U CN 205983684U CN 201620598148 U CN201620598148 U CN 201620598148U CN 205983684 U CN205983684 U CN 205983684U
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bill
self
vtm
bank
service
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敖勇
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SHENZHEN YLINK COMPUTING SYSTEM CO Ltd
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SHENZHEN YLINK COMPUTING SYSTEM CO Ltd
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Abstract

The utility model discloses a how self -service financial service system of bank outlets for handle the financial business by oneself, include: VTM sets up in bank outlets, communication connection in backend server, VTM includes first casing and the videotel that has the accommodation space, and the videotel sets up in a housing face, remove financial terminal, set up in bank outlets communication connection in backend server, remove the back splint that financial terminal includes the PAD host computer and is used for reading bank card or identity card information. These three kinds of self -service financial equipment arrange in bank outlets that communication is connected respectively in backend server implementation separately the beneficial effects of the utility model are that to self -service equipment replaces the teller, extends the bank service channel, realizes bank outlets' light -dutyization operation, optimizes business procedures through the smart machine, makes the financial service more intelligent, simple, swift, can support more professional customer self -services to handle, finally saves the operation cost of bank outlets.

Description

A kind of how self-service financial services system of bank outlets
Technical field
This utility model is related to bank finance field of terminal technology, the how self-service financial service of more particularly, to a kind of bank outlets System.
Background technology
Previous bank, with artificial teller for main method of service, had engendered ATM (ATM) later, had sold The equipments such as terminating machine (POS), self-help inquiry apparatus.Bank's widely used Functional Bank technology can support that multiple channel is sent out at present Rise, such as initiated by hand by banking personnel by cabinet face, also business can be initiated by customer self-service by the self-service equipment of bank, Such as personal whole volume withdrawal, inquiry account situation, hand over water power insurance, self-service transfer accounts etc..
Laying particular emphasis on the combing optimization of whole flow process Functional Bank technology widely used at present, the business accepting mainly is propped up more Hold some conventional initiation channels, such as cabinet face, automatic teller machine, self-help inquiry apparatus etc..
The channel that existing procedure bank technology is supported is limited, the business also not variation of support.A lot of business are still only Can be initiated by cabinet face it is impossible to enough effectively reduce teller's quantity of bank outlets, nor greatly reduce bank outlets' cabinet The process time of member.Additionally, mostly existing bank machine is to meet business special on a small quantity and develop, because by technical functionality The restriction of module is it is impossible to support to carry out diversified business.And, existing Functional Bank technology can not effectively reduce site industry The quantity of business personnel, the operation cost of reduction site.
Utility model content
The purpose of this utility model is to provide a kind of bank outlets how self-service financial services system, solves in prior art The problem that Functional Bank technology, bank machine and bank's flow process mechanism are brought.
The technical solution of the utility model is realized as follows:
The purpose of this utility model is to provide a kind of bank outlets how self-service financial services system, handles gold for self-service Melt business, including:
VTM, is arranged in bank outlets, is communicatively coupled to background server;Described VTM includes with accommodation space One housing and the visual telephone for setting up bank clerk and the call of user's long-distance video, described visual telephone is arranged at institute State the first surface of shell;
Mobile financial terminal, is arranged in described bank outlets, is communicatively coupled to described background server;Described mobile gold Melt terminal and include PAD main frame and the back splint for reading bank card or ID card information.
In the how self-service financial services system of bank outlets described in the utility model, the how self-service finance of described bank outlets Service system also includes bill receiving machine, and described bill receiving machine is arranged in described bank outlets, be communicatively coupled to described after Platform server;Described bill receiving machine includes:
There is the second housing of accommodation space;
The bank card for the operational order of receive user, reading user's insertion and the bill input block of identity card, if It is placed in described second surface of shell;
For the bill operation collecting unit to private or related to public banking business information for the collection, it is arranged at described Second surface of shell;
For gathering the bill identity-acquiring unit of subscriber identity information, it is arranged at described second surface of shell;
For output with to private or the service handling information related to public banking or result bill operation defeated Go out unit, be arranged at described second surface of shell;
For being communicatively coupled to the bill network device unit of described background server, it is arranged in described second shell body Portion;
Bill control unit, is connected to described bill input block, bill operation collecting unit, bill identity-acquiring list Unit, bill operation output unit and bill network device unit, are arranged at described second enclosure interior.
In the how self-service financial services system of bank outlets described in the utility model, described VTM also includes:
The bank card for the operational order of receive user, reading user's insertion and the VTM input block of identity card, setting In described first surface of shell;
For gathering the VTM identity-acquiring unit of subscriber identity information, it is arranged at described first surface of shell;
For output and the VTM business output to private or the service handling information related to public banking or result Unit, is arranged at described first surface of shell;
For being communicatively coupled to the VTM network device unit of described background server, it is arranged at described first enclosure interior;
VTM control unit, be connected to described VTM input block, VTM identity-acquiring unit, VTM business output unit and VTM network device unit, is arranged at described first enclosure interior.
In the how self-service financial services system of bank outlets described in the utility model, described bill input block includes grasping Make touch screen, Encryption Keyboard and card reader.
In the how self-service financial services system of bank outlets described in the utility model, described bill operation collecting unit bag Include scanner.
In the how self-service financial services system of bank outlets described in the utility model, described bill identity-acquiring unit bag Include photographic head.
In the how self-service financial services system of bank outlets described in the utility model, described bill operation output unit bag Include printer and speaker.
In the how self-service financial services system of bank outlets described in the utility model, described micro- form input block includes Operation touch-screen, Encryption Keyboard, pick up, card reader and fingerprint instrument.
In the how self-service financial services system of bank outlets described in the utility model, described VTM identity-acquiring unit bag Include photographic head.
In the how self-service financial services system of bank outlets described in the utility model, described VTM business output unit bag Include microphone and printer.
Therefore, implementing the beneficial effects of the utility model is to replace teller with self-service equipment, expands bank service channel, Realize bank outlets' lightness operation, operation flow is optimized by smart machine and system development, make business operation more intelligence Can, simple so that client traffic is handled more quick, can support that more business carry out customer self-service initiation, final save The human cost of bank outlets of province, reduces queuing time, achievable 7*24 automatic banking services, when making bank finance service not be subject to Between and space restriction.
Brief description
Below in conjunction with drawings and Examples, the utility model is described in further detail, in accompanying drawing:
A kind of structured flowchart of the how self-service financial services system of bank outlets that Fig. 1 provides for this utility model.
Specific embodiment
In order to be more clearly understood to technical characteristic of the present utility model, purpose and effect, accompanying drawing below will be compareed Describe specific embodiment of the present utility model in detail.It should be appreciated that following explanation is only the concrete of this utility model embodiment Illustrate, protection domain of the present utility model should not be limited with this.
This utility model provides a kind of bank outlets how self-service financial services system, it is intended that by bank's net Point 1 setting VTM11 (Video Teller Machine, long-distance video automatic teller machine) and mobile financial terminal 12, realize lightness Operation management.The technical scheme of lightness operation has drawn the mature technology of Functional Bank, simultaneously to operation flow according to factory Chemical industry sequence processing mode is decomposed and has been polymerized, and is connected with outside channel by the way of unified, meets bank in stream Support on the basis of Cheng Youhua more accepts channel.Support more business kinds.Wherein, VTM11 is preferably mini VTM11, compared to traditional VTM11, mini VTM11 has lighter, the higher feature of mobility.In client equipment side Face, lightness Management plan adopts the processing modules such as new video, audio frequency, image, fingerprint, ID card verification, payment in kind, Organically combined, designed the self-help processor of various ways, such as bill receiving machine 13, mini VTM11, mobile finance PAD etc..
A kind of structural frames of the how self-service financial services system of bank outlets providing for this utility model referring to Fig. 1, Fig. 1 Figure, this bank self-help system includes mini VTM11, mobile financial terminal 12 and bill receiving machine 13.
1st, mini VTM11
Mini VTM11 is a kind of banking terminal self-service equipment, and client can carry out face label etc. needs the business of manual intervention Accept and initiate.Mini VTM11 is arranged in bank outlets 1, is communicatively coupled to background server 2;Described mini VTM11 includes There is the first housing (not shown) of accommodation space and for setting up bank clerk and the call of user's long-distance video Visual telephone, described visual telephone is arranged at described first surface of shell.
Mini VTM11 also includes system page input block, identity-acquiring unit, business output unit, network equipment list Unit and control unit.
Mini VTM input block is used for operational order, the bank card reading user's insertion and the identity card of receive user, if It is placed in described first surface of shell;Described mini VTM input block includes operation touch-screen, Encryption Keyboard, pick up, card reader And fingerprint instrument.Operation touch-screen is used for showing business handling content and step, also is available for client and is operated.Encryption Keyboard is used for Carry out Data Enter for client.Pick up can be recorded by pick up for client.Card reader is used for reading IC-card, bank Card or ID card information.Fingerprint instrument is used for carrying out fingerprint typing and checking to client.
Mini VTM identity-acquiring unit is used for gathering subscriber identity information, is arranged at described first surface of shell;Described micro- Form identity-acquiring unit includes photographic head.Photographic head be used for policer operation scene and carry out client take pictures, videograph etc..
Mini VTM business output unit be used for output with to private or the service handling information related to public banking or place Reason result, is arranged at described first surface of shell;Described mini VTM business output unit includes microphone and printer.Amplify Device is used for carrying out voice message to client.Printer accepts receipt for printing.
Mini VTM network device unit is used for being communicatively coupled to described background server 2, is arranged in described first shell body Portion;Mini VTM network device unit transmits data to background server 2, after the business information accepting and image are sent to Platform server 2 is focused on.
Mini VTM control unit, is connected to described micro- form input block, the mini VTM industry of mini VTM identity-acquiring unit Business output unit and mini VTM network device unit, are arranged at described first enclosure interior.Mini VTM control unit is computer Main frame, it is core component, for controlling each functional module, and process part business step.
To sum up, mini VTM11 ingredient includes:Host computer, touch operation screen, Encryption Keyboard, pick up, amplify Device, card reader, fingerprint instrument, phone, photographic head, printer, network equipment etc..The work basic procedure of mini VTM11 is as follows:
1) select type of service to be handled after client logs in.Whole voice message.
2) operated according to voice message, such as verify identity card, scanning bank card, scanning fingerprint, uplink data, take pictures Deng.
3) as my identity index need to be carried out with customer service, then dial service calls according to prompting, carry out my authentication.
4) fill in basic document.Submission business.Mini VTM prints receipt.
2nd, mobile financial terminal 12
Mobile financial terminal 12 i.e. mobile finance PAD, is a kind of mobile panel computer of specialty, and client self-service can carry out expense Family, loan, label are terminated an agreement, buy multiple banking such as financing.Mobile financial terminal 12 is arranged in described bank outlets 1, leads to Letter is connected to described background server 2;One router can be set at bank outlets, mobile financial terminal 12 and mini VTM11 is connected to this router by wire/wireless, then is connected to background server 2 by router unification, if this system is new Other operation terminals are increased it is also possible to connect to background server 2 by this router.Additionally, mobile financial terminal 12 also may be used So that background server is directly connected to by mobile data network, such as 2G, 3G, 4G or special internal network etc..Described shifting Dynamic financial terminal 12 includes PAD main frame and the back splint for reading bank card or ID card information.
PAD main frame is the core component of mobile financial terminal 12, controls each functional module, and process part business step Suddenly.Touch screen, display business handling content and step can be made, also be available for client and operated.Can be used as Encryption Keyboard:For client Carry out Data Enter.Client can be recorded by pick up.Voice message can be carried out to client.Video can be carried out with client Link up.Further, it is also possible to implant following procedure in PAD main frame:Special finance device safety management module.Special finance device Safety management module can carry out safe handling management to mobile device, such as using functional specification, personnel's authority authentication, data encryption Storage is transmitted, is prevented artificial data theft, distorts, and prevents leaking data, can carry out equipment tracking, device upgrade or initial Change, prevent equipment loss, system from cracking.
Back splint is integrated with card reader, fingerprint instrument, identity card reading authentication module, can read IC-card, bank card or identity card Information.Fingerprint typing and checking can be carried out to client.
In sum, client can be in the operation such as the face label of mobile financial terminal 12 (PAD) enterprising industry business and registration, base This flow process is as follows:
1) select type of service to be handled after client logs in.Whole voice message.
2) operated according to voice message, such as recognition of face, checking identity card, scanning bank card, scanning fingerprint, upload Data, take pictures.
3) as my identity index need to be carried out with customer service, then long-distance video interaction, remote back-office personnel are carried out according to prompting User can be instructed to be operated by video, audio frequency.
4) fill in basic document.Submission business.
3rd, bill receiving machine 13
Bill terminating machine is a kind of banking terminal self-service equipment, and client can carry out accepting and initiating of bill operation.Equally , bill receiving machine 13 is arranged in described bank outlets 1, is communicatively coupled to described background server 2;Described bill receiving machine 13 the second housing (not shown)s including having accommodation space, bill input block, bill operation collecting unit, bill body Part collecting unit, bill operation output unit, bill network device unit and bill control unit.
Bill input block is used for operational order, the bank card reading user's insertion and the identity card of receive user, setting In described second surface of shell;Described bill input block includes operation touch-screen, Encryption Keyboard and card reader.Operation touch-screen For showing business handling content and step, it also is available for client and is operated.Encryption Keyboard is used for carrying out Data Enter for client. Card reader is used for reading IC-card, bank card or ID card information.
Bill operation collecting unit is used for collection to private or related to public banking business information, is arranged at described the Two surface of shell;Described bill operation collecting unit includes scanner.Scanner is used for the data needed for business handling is carried out Scanning.
Bill identity-acquiring unit is used for gathering subscriber identity information, is arranged at described second surface of shell;Described bill Identity-acquiring unit includes photographic head.Photographic head is used for policer operation scene and carries out client and take pictures.
Bill operation output unit be used for output with to private or the service handling information related to public banking or process As a result, it is arranged at described second surface of shell;Described bill operation output unit includes printer and speaker.Printer is used for Printing accepts receipt.Speaker is used for carrying out voice prompt operation to client.
Bill network device unit is used for being communicatively coupled to described background server 2, is arranged at described second enclosure interior; Bill network device unit connects background server 2, the business information accepting and image is sent to background server 2 and is collected Middle process.
Bill control unit, is connected to described bill input block, bill operation collecting unit, bill identity-acquiring list Unit, bill operation output unit and bill network device unit, are arranged at described second enclosure interior.Bill control unit is electricity Brain server, is used for accepting user operation, controls each functional module, and process part business step.Furthermore, it is possible in bill control Following procedure is implanted in unit processed:OCR evaluator.OCR evaluator can be identified to the image of scanning, and calls mainframe program Carry out preliminary qualification judgement.
Bill terminating machine ingredient includes:Host computer, operation touch-screen, Encryption Keyboard, scanner, card reader, OCR evaluator, photographic head, printer, speaker, network equipment etc., bill receiving machine 13 is in a limited space by it It is combined into an integral device.Accepting of bill class business can be processed using bill receiving machine 13, it is as follows that it accepts process description:
1) client can carry out register using bank card.Whole process has voice message.
2) client uses touch screen to select business to be processed, and puts into bill.
3) billing machine is scanned identification judgement, if bill type etc. closes rule, points out next step, off-specification moves back Ticket.
4) whether urgent etc. client carries out the typing of basic document, only need the simple contact method of typing and.
5) client submits business to, and billing machine prints receipt, points out to operate successfully, backstage sends the SMS to the handss of client's registration Machine.
In sum, put down by the lightness operation that bill receiving machine 13, mini VTM11 and mobile financial terminal 12 form Platform, can support the initiation of following business:
1) payment business:Voucher includes:Check, remittance voucher, credit voucher, local and overseas remittance application, tax reciept, commercially Acceptance bill, bank acceptance, cashier's cheque, draft, the magnificent Three Eastern Provinces one city's draft etc..Support that remittance road includes:This turn, wholesale remittance Road, small amount remittance road, the retention of check image, domestic foreign currency pay, hand over city ticket.
2) gathering business:Voucher includes:The paying vouchers such as check, cashier's cheque, draft.Support that remittance road includes:Wholesale converges road, little E Hui road, check image retain, hand over city ticket.
3) personal account management:Account foundation, Account Changes, account closing.
4) loan transaction:Application is borrowed in personal consumption and face is signed, the little micro- loan application of enterprise and face are signed.
So, the lightness operation platform that this utility model provides can support that more channels are initiated, and can support more Business carry out customer self-service initiation, the final human cost saving bank outlets 1.Send to rear by machine by all kinds of means is unified Platform server 2 carries out service handling, can make that each equipment occupation mode at bank outlets 1 is easier, and operating procedure is less.
There is provided herein the various operations of embodiment.In one embodiment, described one or more operations can be with structure Become the computer-readable instruction of storage on one or more computer-readable mediums, it will make when being executed by electronic equipment to succeed in one's scheme Calculation equipment executes described operation.Describing the order of some or all of operations, to should not be construed as to imply that these operations necessarily suitable Sequence correlation.It will be appreciated by those skilled in the art that having the alternative sequence of the benefit of this specification.Furthermore, it is to be understood that Not all operation must exist in each embodiment provided in this article.
And, word " preferred " used herein means serving as example, example or illustration.Feng Wen is described as " preferably " any aspect or design be not necessarily to be construed as than other aspects or design more favourable.On the contrary, the use purport of word " preferred " Concept is being proposed in a concrete fashion.As used in this application term "or" is intended to mean the "or" comprising and non-excluded "or".That is, unless otherwise or clear from the context, " X is using A or B " means that nature includes any one of arrangement. That is, if X uses A;X uses B;Or X uses A and B both, then " X is using A or B " is met in aforementioned any example.
And, although illustrate and describing the disclosure, this area skill with respect to one or more implementations Art personnel will be appreciated that equivalent variations and modification based on to the reading of the specification and drawings and understanding.The disclosure include all this The modification of sample and modification, and be limited only by the scope of the following claims.Particularly with by said modules (such as element, Resource etc.) various functions that execute, the term for describing such assembly is intended to corresponding to the specified work(executing described assembly The random component (unless otherwise instructed) of energy (for example it is functionally of equal value), even if illustrated herein with execution in structure The exemplary implementations of the disclosure in the open structure of function be not equal to.Although additionally, the special characteristic of the disclosure is Through being disclosed with respect to the only one in some implementations, but this feature can be with expectation and other favourable realization sides Other combinations of features one or more of formula.And, with regard to term " inclusion ", " having ", " containing " or its deformation be used in concrete For in embodiment or claim, such term is intended to include in the way of similar to term "comprising".
Each functional unit in this utility model embodiment can be integrated in a processing module or each is single Unit is individually physically present it is also possible to two or more units are integrated in a module.Above-mentioned integrated module was both permissible Realized in the form of hardware, it would however also be possible to employ the form of software function module is realized.If described integrated module is with software The form of functional module is realized and is deposited it is also possible to be stored in an embodied on computer readable as independent production marketing or when using In storage media.Storage medium mentioned above can be read only memory, disk or CD etc..Above-mentioned each device or system, The method in correlation method embodiment can be executed.
In sum although this utility model is disclosed above with preferred embodiment, but above preferred embodiment is not used To limit this utility model, those of ordinary skill in the art, without departing from spirit and scope of the present utility model, all can make Various changes and retouching, protection domain therefore of the present utility model is defined by the scope that claim defines.

Claims (10)

1. the how self-service financial services system of a kind of bank outlets, for self-service processes financial business it is characterised in that including:
VTM, is arranged in bank outlets, is communicatively coupled to background server;Described VTM includes the first shell with accommodation space Body and the visual telephone for setting up the call of bank clerk and user's long-distance video, described visual telephone is arranged at described the One surface of shell;
Mobile financial terminal, is arranged in described bank outlets, is communicatively coupled to described background server;Described mobile finance is eventually End includes PAD main frame and the back splint for reading bank card or ID card information.
2. the how self-service financial services system of bank outlets according to claim 1 is it is characterised in that described bank outlets are many Self-service financial services system also includes bill receiving machine, and described bill receiving machine is arranged in described bank outlets, communication connection In described background server;Described bill receiving machine includes:
There is the second housing of accommodation space;
The bank card for the operational order of receive user, reading user's insertion and the bill input block of identity card, are arranged at Described second surface of shell;
For the bill operation collecting unit to private or related to public banking business information for the collection, it is arranged at described second Surface of shell;
For gathering the bill identity-acquiring unit of subscriber identity information, it is arranged at described second surface of shell;
For output and the bill operation output list to private or the service handling information related to public banking or result Unit, is arranged at described second surface of shell;
For being communicatively coupled to the bill network device unit of described background server, it is arranged at described second enclosure interior;
Bill control unit, is connected to described bill input block, bill operation collecting unit, bill identity-acquiring unit, ticket According to business output unit and bill network device unit, it is arranged at described second enclosure interior.
3. the how self-service financial services system of bank outlets according to claim 1 is it is characterised in that described VTM also includes:
The bank card for the operational order of receive user, reading user's insertion and the VTM input block of identity card, are arranged at institute State the first surface of shell;
For gathering the VTM identity-acquiring unit of subscriber identity information, it is arranged at described first surface of shell;
For output and the VTM business output list to private or the service handling information related to public banking or result Unit, is arranged at described first surface of shell;
For being communicatively coupled to the VTM network device unit of described background server, it is arranged at described first enclosure interior;
VTM control unit, is connected to described VTM input block, VTM identity-acquiring unit, VTM business output unit and VTM net Network unit, is arranged at described first enclosure interior.
4. the how self-service financial services system of bank outlets according to claim 2 is it is characterised in that the input of described bill is single Unit includes operation touch-screen, Encryption Keyboard and card reader.
5. the how self-service financial services system of bank outlets according to claim 2 is it is characterised in that described bill operation is adopted Collection unit includes scanner.
6. the how self-service financial services system of bank outlets according to claim 2 is it is characterised in that described bill identity is adopted Collection unit includes photographic head.
7. the how self-service financial services system of bank outlets according to claim 2 is it is characterised in that described bill operation is defeated Go out unit and include printer and speaker.
8. the how self-service financial services system of bank outlets according to claim 3 is it is characterised in that described VTM input is single Unit includes operation touch-screen, Encryption Keyboard, pick up, card reader and fingerprint instrument.
9. the how self-service financial services system of bank outlets according to claim 3 is it is characterised in that described VTM identity is adopted Collection unit includes photographic head.
10. the how self-service financial services system of bank outlets according to claim 3 is it is characterised in that described VTM business is defeated Go out unit and include microphone and printer.
CN201620598148.4U 2016-06-17 2016-06-17 How self -service financial service system of bank outlets Active CN205983684U (en)

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Cited By (3)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
CN107067320A (en) * 2017-03-13 2017-08-18 平安科技(深圳)有限公司 Sign method and system in loan face
CN108053578A (en) * 2017-12-08 2018-05-18 四川安亮科技有限公司 Remote financial authentication terminating machine
CN108961606A (en) * 2018-05-23 2018-12-07 合肥汇英科技有限公司 A kind of self-service financial services equipment and system

Cited By (4)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
CN107067320A (en) * 2017-03-13 2017-08-18 平安科技(深圳)有限公司 Sign method and system in loan face
WO2018166091A1 (en) * 2017-03-13 2018-09-20 平安科技(深圳)有限公司 Method, system, and terminal for face-to-face loan signing, and computer-readable storage medium
CN108053578A (en) * 2017-12-08 2018-05-18 四川安亮科技有限公司 Remote financial authentication terminating machine
CN108961606A (en) * 2018-05-23 2018-12-07 合肥汇英科技有限公司 A kind of self-service financial services equipment and system

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