TW201742016A - Integrated teller machine - Google Patents

Abstract

The present invention provides an integrated teller machine, which includes: a touch display, which displays a scene and produces a touch message according to a touch; a camera, which shoots a near-side image and produces a near-side image message; an operation device, which produces an operation message according to an operation; a card reader, which reads a card and produces a card message; a substance processing device, which includes a substance storage, which stores a first substance; and a substance gate, which inputs a second substance to the substance storage or outputs the first substance from the substance storage, wherein the first substance and the second substance are of the same kind; a transmitter; and a processor, which executes a service process according to an initial message. The initial message includes: the touch message, the near-side image message, the operating message or the card message. In the service process, the near-side image message is inputted to the transmission line, and a far-side image message is displayed on the scene through the transmission line. The substance gate opens and closes after the second substance is inputted through it or the first substance is outputted through it.

Description

Integrated teller machine

The present invention relates to a teller machine, and more particularly to an integrated teller machine.

A multimedia guide (Kiosk) is commonly used in convenience stores to provide the function of inquiring merchandise and ordering merchandise, but it does not have the function of cash transaction or financial card transaction. If the public wants to pay by cash or financial card when they find the account on the multimedia guide, they must print the bill, pay it at the convenience store counter, or pay at the ATM. It is very inconvenient.

ATMs are commonly placed around financial institutions to provide withdrawal, deposit, and transfer functions, but they do not have other financial functions, especially financial functions that require identity authentication. Of course, there are no inquiries, The function of ordering goods. In addition, when users encounter difficulties in using, they must seek customer service personnel to come to the site for assistance, which will increase the manpower demand; if through voice communication, it is not easy to solve the problem.

Therefore, there is currently no need for a new device to provide integrated services.

In order to integrate cash or financial card payment, commodity transaction and video and audio service in a single device, the present invention provides an integrated teller machine, comprising: a touch display, which displays a picture and generates a touch according to a touch a camera that captures a near-end image to generate a near-end image message; an operating device that generates an operation message according to an operation; a card reader that reads a card to generate a card message; The object processing device comprises: a physical storage tank for storing a first physical object; and a physical entry and exit gate for inputting a second physical object to the physical storage tank or outputting the first entity from the physical storage tank The first physical object and the second physical object belong to the same category; a transmitter; and a processor that executes a service program according to a start message; the start message includes: a touch message, a near-end image message, and an operation message Or a card message; wherein, in the service program, the near-end image message is input to the transmitter, and a far-end image message is displayed on the screen through the transmitter; Gates turned on and after the second entity was closed after the first input or the output entity thereof.

According to a preferred embodiment of the present invention, the integrated teller machine further includes: a player; and a microphone that receives a near-end sound to generate a near-end voice message; the start message further includes a near-end voice message; In the service program, the near-end voice message is input to the transmitter, and a far-end voice message is played from the player through the transmitter.

According to a preferred embodiment of the present invention, the operating device is a keyboard; and the card reader is a wafer card reader or a proximity card reader.

According to a preferred embodiment of the present invention, the physical object processing device is a banknote access machine, and the type is a banknote; or the physical object processing device is a currency access device, and the type is currency; or the physical object processing device is a A ticket access machine, and the type is a ticket.

According to a preferred embodiment of the present invention, the physical object processing apparatus further includes: a physical object maker that manufactures a first physical material into the first physical material.

According to a preferred embodiment of the invention, the physical object processing device is a card access machine and the type is a card.

According to a preferred embodiment of the present invention, the integrated teller machine further includes: a scanner that scans a file to generate a scan message; wherein, in the service program, the scan message is input to the transmitter.

According to a preferred embodiment of the present invention, the integrated teller machine further includes: a printer that prints one of the materials generated in the service program into a paper.

According to a preferred embodiment of the present invention, the integrated teller machine further includes: a base, comprising: a console on the surface of the base, an operating device and a card reader being disposed on the console; and a connector Located on the surface of the base, an extended physical processing device is removably attached to the connector.

According to a preferred embodiment of the invention, the extended physical processing device is a banknote access machine, a money access machine, a ticket access machine or a card access machine.

According to a preferred embodiment of the present invention, the integrated teller machine further includes: a privacy touch display embedded in the console and having a size smaller than the size of the touch display.

According to a preferred embodiment of the present invention, in the service program, the screen is displayed to include a first sub-picture and a second sub-picture; the far-end image information is displayed on the first sub-picture through the transmitter.

According to a preferred embodiment of the present invention, in the service program, a remote electronic file is displayed on the second sub-picture through the transmitter.

According to a preferred embodiment of the present invention, when the touch message and the operation message are a customer service message, the far-end image message is displayed on the first sub-picture through the transmitter, and the far-end sound message is output from the player through the transmitter.

According to a preferred embodiment of the present invention, when the processor executes one of the service program authentication programs, the near-end image message and the near-end sound message are stored in a terminal through the transmitter.

According to a preferred embodiment of the present invention, the service program further includes: an ATM business program, which does not have a commodity transaction function; a digital life program that has a commodity transaction function; and an online customer service program, wherein the remote image The message is displayed on the screen through the transmitter from the beginning, and the far-end sound message is played from the player through the transmitter from the beginning.

According to a preferred embodiment of the present invention, the screen displays an initial screen in a non-service program including: an ATM service button, a digital life button, and an online customer service button; wherein, when the touch falls on the ATM service button In the above, the processor executes the ATM business program; when the touch falls on the digital life button, the processor executes the digital life program; and when the touch falls on the online customer service button, the processor executes the online customer service program.

According to a preferred embodiment of the present invention, in the service program, a remote operation message is input to the processor through the transmitter, and the processor drives the touch display, the camera, the physical processing device or the privacy touch display according to the remote operation message.

In order to integrate cash or financial card payment, commodity transaction and audio-visual customer service into a single device, the integrated teller machine of the present invention wishes to provide a service program S, which includes three sub-programs, for example: an automated teller machine business program S1, digital life Program S2, online customer service program S3.

Specifically, the ATM business program S1 provides functions of withdrawal, transfer, deposit (interbank deposit), payment, tax payment, charitable donation, balance inquiry, and function setting (financial card activation, online banking password reset), however, Does not provide the function of commodity trading.

The digital life program S2 provides public utility expenses (hydropower, gas, telephone, telephone), payment (compulsory liability insurance, housing tax, automobile fuel tax, license tax), online payment, credit card bonus calculation, high-speed rail Ticket, station ticket, movie ticket ordering and travel ordering functions. Among them, high-speed rail, Taiwan Railway, movie ticket ordering and travel ordering are commodity transactions. It is worth mentioning that through the integrated teller machine of the present invention, the online payment can be made through the video consultation details; in the travel order, the travel planning can also be carried out through video.

The online customer service program S3 provides online counters, online account opening (integrated teller machine account opening, mobile devices and integrated teller machine account opening), online (deposit, trust, loan, insurance, credit card) consultation. In the online customer service program, commodity trading can also be carried out. Once in the online customer service program, the video of the customer service personnel appears from the beginning to immediately respond to the user's inquiry in person.

1 shows an integrated teller machine of the present invention, including: touch display 10, privacy touch display 11, camera 20, player 31, microphone 32, operating device 40, card reader 50, scanner 61, printer 62 The physical object processing device 70, the transmitter 80, and the processor 90 (not shown). Each device is disposed at the base 1000. The base 1000 includes a console 1010 and a connector 1020. The operating table is located on the surface of the base 1000 and has a height suitable for the user's operation, depending on the standing or sitting position. The operating device 40 and the card reader 50 are preferably disposed at the console 1010 for operation. The connector 1020 is also located on the surface of the base 1000, usually on its side, so that the expansion device is connected to the integrated teller machine 1.

In the case of no user use, the integrated teller machine 1 is in the non-service program S0. At this time, as shown in FIG. 2, the screen P displayed by the touch display 10 is the initial screen P0, and includes an automatic teller machine (ATM) service button P01, a digital life button P02, and an online customer service button P03.

The touch display 10 can generate a touch message M10 according to a user's touch. It is preferably 19 inches in size and can be horizontal or upright. The processor 90 can execute the service program S according to the touch message M10. Specifically, when the user touches the ATM service button P01, the processor 90 executes the ATM business program S1; when the user touches the digital life button P02, the processor 90 executes the digital life program S2; When the online customer service button P03 is touched, the processor 90 executes the online customer service program S3. In the service program S, the picture P can also be displayed as a plurality of sub-pictures, and the number of sub-pictures can be determined as needed.

The integrated teller machine 1 can optionally include a privacy touch display 11 that is embedded in the console 1010 and that is smaller in size than the touch display 10, preferably 10.4 inches. Through the above configuration, the privacy touch display 11 is not easily snooped by others. When an account number, password, or other personal data needs to be input, the processor 90 can drive the privacy touch display 11 as needed to limit the input of data through the user to protect the privacy of the user. The privacy touch display 11 can generate a privacy message M11 according to the user's touch and transmit it to the processor 90 for processing.

The camera 20 can capture a scene in front of the integrated teller machine 1, called a near-end image. In the non-service program S0, it can be used for observation or video recording; in the service program S, it can be used to observe the user, record the image of the user, or take a photo of the user, and the image or photo can be combined with the user's individual Store the data. The camera 20 captures the near-end image and produces a near-end image message M20. The processor 90 can execute the service program S according to the near-end image message M20. Specifically, the processor 90 can determine whether there is a person in front of the integrated teller machine 1 through the near-end image message M20, and if so, respond to the touch display 10 or the player 31.

The player 31 can play sound. It can be a headphone or speaker, or just a source jack to connect headphones or speakers as needed.

The microphone 32 can receive the sound in front of the integrated teller machine 1, called the near end sound. In the service program S, it can be used to listen to the user, or to record the user's voice, and the sound can be stored in conjunction with the user's personal data. The microphone 32 receives the near end sound and produces a near end sound message M32. The processor 90 can execute the service program S based on the near-end voice message M32. Specifically, the processor 90 can determine whether there is a call in front of the integrated teller machine 1 through the near-end voice message M32, and respond to the touch display 10 or the player 31 if someone calls.

The operation device 40 can generate an operation message M40 according to the user's operation. It can be a keyboard, preferably an Encrypting PIN Pad (EPP), for the user to enter an account number, password, or other information. The integrated teller machine 1 can also include both. The operating device 40 can be used as an auxiliary device of the touch display 10, for example, the user can touch the button displayed by the touch display 10 or the button corresponding to the operating device 40 to enter the service program. S. The processor 90 can execute the service program S according to the operation message M40. Specifically, the buttons 401, 402, and 403 of the operation device 40 may correspond to the buttons P01, P02, and P03 of the initial screen P0, and the user may touch the button 401 or P01, and the processor 90 executes the ATM business program S1; When the button 402 or P02 is touched, the processor 90 executes the digital life program S2; when the user touches the button 403 or P03, the processor 90 executes the online customer service program S3.

The card reader 50 can read the card to generate a card message M50. It can be a chip card reader 51 for inserting a financial card or a credit card; or a proximity card reader 52, preferably a Near Field Communication (NFC) card reader for sensing credit cards and leisure cards. Or mobile phone chip. Alternatively, the integrated teller machine 1 can include both a wafer card reader 51 and a proximity card reader 52. The processor 90 can execute the service program S based on the card message M50. Specifically, when the wafer card reader 51 reads the wafer card, the processor 90 is preset to execute the ATM program S1; when the proximity card reader 52 reads the proximity card, the processor 90 is preset to Execute the digital life program S2. Of course, the user can change the program again.

As described above, any of the touch message M10, the near-end image message M20, the near-end voice message M32, the operation message M40, or the card message M50 can be used as the start message M0 to cause the processor 90 to execute the service program S.

The integrated teller machine 1 can optionally include a scanner 61 and a printer 62.

The scanner 61 can scan the user's file to generate a scan message M61. It can be a QR code scanner, a document (such as a driver's license or identity card) scanner or an A4 scanner.

The printer 62 can print the material generated in the service program S into a paper. It can be an 80 mm tape printer, passbook printer or A4 printer for printing a variety of papers, such as: tickets (high-speed rail, station tickets, movie tickets), details, passbooks, brochures or Contract book.

The physical material processing device 70 includes a physical storage tank 71 and a physical entry and exit gate 72. The physical storage tank 71 can store the physical object C1; the physical entry and exit gate 72 can be turned on or off according to the instruction of the processor 90. The so-called open means that it can pass; the so-called close means that it is impassable. The physical entry and exit gate 72 may input the physical object C2 to the physical storage tank 71 or output the physical object C1 from the physical storage tank. The physical entity C1 and the physical entity C2 belong to the same category, for example: banknotes, currency, notes or cards. Corresponding to these categories, the physical object processing apparatus 70 can be a banknote access machine 70A, a money access machine 70B, a ticket access machine 70C, or a card access machine 70D. In the case where the physical material processing device 70 is the banknote access machine 70A, it can be a five-currency cash circulation module, preferably supporting an eight-denomination cycle.

In the service program S, the user can trigger the access program SV. At this time, as shown in FIG. 3, the physical entry/exit gate 72 is opened, and is closed after the physical object C2 is input or after the physical object C1 is output. Specifically, in the access procedure SV, when the user proceeds to the payment step, the user can pay cash through the physical entry and exit gate 72; when the user proceeds to the payment step, the user can pass through the physical entry and exit gate 72. Receive cash. Cash refers to banknotes and currency. The physical processing device 70 can also be used to issue, retain, recycle or cancel tickets, or to swipe, issue, recycle or cancel cards.

The physical material processing device 70 may further include a physical object manufacturer 73 that manufactures the physical material C10 into the physical object C1, for example, printing a blank card into a card.

As shown in FIGS. 4 and 5, the physical object processing apparatus 70 includes two parts, a deposit and a discarder, which may or may not belong to the same module. The integrated teller 1 can include a plurality of physical processing devices 70. The plurality of physical material processing devices 70 can be detachably connected to the susceptor 1000 through the connector 1020 in addition to the susceptor 1000. The physical object processing device 70 outside the susceptor 1000 is called To expand the physical processing device 70'. Although it is outside the susceptor 1000, it is substantially integrated in the integrated teller machine 1. The so-called detachable means that the susceptor 1000 can be disassembled and installed through a preset jack or gate; the so-called connection is not limited to the contact connection, but includes a communication connection.

Thus, the integrated teller machine of the present invention provides the functions of the automatic teller machine business, the digital life, and the online customer service, and provides the physical object processing device 70 for the user to make cash and financial card payment. Save time for users; save manpower for service providers such as financial institutions and convenience stores.

As shown in FIG. 6, the transmitter 80 connects the integrated teller machine 1 to the remote terminal unit F. Specifically, it can connect the integrated teller machine 1 directly to the remote terminal machine F, or connect the integrated teller machine 1 to a switch, router, repeater, buffer or transceiver, and then connect to the remote end through the same Terminal F. That is, the integrated teller machine 1 and the remote terminal unit F can be connected. The integrated teller machine 1 can also form a collaborative network with more terminal devices. At the near end, it can be combined with devices such as fax machines, web pages, emails, video recordings, etc.; at the far end, it can be combined with devices such as mobile phones, tablets, notebooks, personal computers, etc. A node for big data analysis. Through this collaborative network, inquiries, merchandise and other merchandise transactions are realized.

The remote terminal unit F may or may not belong to a part of the integrated teller machine 1. The important point is that the remote terminal F can provide the remote message MF to the integrated teller 1 via the transmitter 80. The remote terminal device F can be a client's computer, and the remote message MF can include a remote image message MF20, a remote voice message MF32, a remote electronic file MF62, or a remote operation message MF40, wherein the remote image message MF20 can be For the image of the customer service staff; the remote voice message MF32 can be the voice of the customer service staff; the remote electronic file MF62 can be the manual or the contract. The far-end image message MF20 and the remote electronic file MF62 can be displayed on the screen P of the integrated teller machine 1 through the transmitter 80, and the far-end voice message MF32 can be played from the player 31 through the transmitter 80. As for the remote operation message MF40, the remote terminal unit F can operate the integrated teller machine 1 from the far end.

Processor 90 is a unit that includes a central processing unit, a hard disk, and a memory. The processor 90 receives the messages from the various devices, processes them, and assigns the results to the devices. The central processor can be an Intel Core i5 processor; the hard drive can be a dual hard drive. As described above, the processor 90 executes the service program S based on the start message M0. In this embodiment, the service program S includes three subroutines: an ATM business program S1, a digital life program S2, and an online customer service program S3. The specific functions of each program have been previously described and will not be described here. The user can switch the processor 90 in each subroutine through the touch display 10, the camera 20, the microphone 32, the operating device 40, and the card reader 50. The instructions of the service program S can be stored in the processor 90 from the beginning or transmitted from the remote terminal unit F to the processor 90 via the transmitter 80, which is the remote operation message MF40.

In the service program S, the user can trigger the customer service program through the customer service message MV. The so-called video can optionally include sound in addition to the image. In the customer service program, the near-end image message M20 and the near-end voice message M32 are input to the transmitter 80, and transmitted to the remote terminal device F through the transmitter 80, and the customer service personnel can obtain the user's video and audio. At the same time, the far-end image message MF20 is displayed on the screen P through the transmitter 80, and the far-end voice message MF32 is played from the player 31 through the transmitter 80, and the user can obtain the video and audio of the customer service personnel. Both can interact face to face.

As shown in FIG. 7, in the customer service program, the screen P can be displayed as three sub-pictures: a sub-picture PA, a sub-picture PB, and a sub-picture PC. The sub-picture PA preferably displays the user's operation interface, the sub-picture PB preferably displays the far-end image information MF20, and the sub-picture PC preferably displays the remote electronic file. In this way, the user can perform operations on the side of the document with the help of the customer service personnel, which is quite convenient.

Regardless of whether it is in the customer service program, the user can transmit the scan message M61 to the remote terminal device F through the transmitter 80 as needed, and hand it to the customer service personnel. The customer service personnel can also transmit the remote electronic file M61 to the printer 62 through the transmitter 80 as needed, print it out and hand it to the user.

The various devices of the integrated teller machine of the present invention and their operation are described below through more specific embodiments.

Embodiment 1

As shown in FIG. 8, the service program S includes an ATM business program S1, a digital life program S2, and an online customer service program S3. The ATM business program S1 further includes L automatic teller business subroutines S11, S12, S13 ... S1L; the digital life program S2 further includes M digital life subroutines S21, S22, S23 ... S2M; the online customer service program S3 includes N online customer service subroutines S31, S32, S33...S3N. Each subroutine can be increased or decreased as needed.

Taking the ATM business program S1 as an example, as shown in FIG. 9, the screen P1 includes buttons P11, P12, P13, ..., P1L for respectively entering its subroutines S11, S12, S13, ..., S1L; similarly, digital life The screen P2 includes buttons P21, P22, P23, ..., P2M for entering its sub-programs S21, S22, S23, ..., S2M, respectively; the online customer service screen P3 also includes buttons P31, P32, P33, ..., P3N, respectively for entering Subroutines S31, S32, S33, ..., S3N.

Figure 10 shows the service program flow chart. This process is common to the various embodiments. Initially, the processor 90 is in the non-serving program S0; if the start message M0 is received, the service program S is executed; if the customer service message MV is received, the customer service program SV is executed; if the physical object access message MD is received, The physical object access program SD is executed; after the service program S ends, the processor 90 returns to the non-serving program S0.

If the user wants to withdraw money, it touches the ATM service button P01 in the initial screen P0, so that the processor 90 executes the ATM business program S1; or the user directly inserts the wafer financial card into the card reader 50, the card reader 50 generates a card message M50. The processor 90 enters the automated teller machine business program S1 directly based on the card message M50. Thereafter, the screen P displays the ATM business screen P1. In this embodiment, the button P11 is a withdrawal button, and the automated teller machine business subroutine S11 is a withdrawal program.

In this program, first, the screen P displays a caution message for the precautions. A specific attention message can be displayed in each step of the service program S, and will not be described below. In addition to the automated teller machine service provided, the screen P displays a help button at any time to provide immediate assistance when the user encounters difficulties in use.

If the user touches the help button, the customer service program SV is triggered. The touch button includes touching a button displayed on the touch display 10 or touching a button corresponding to the operation device 40, and the touch message or the operation message generated according to the touch is a customer service message, and the details are not described below. . At this time, the near-end image message M20 and the near-end voice message M32 are transmitted to the remote terminal device F through the transmitter 80, and the customer service personnel can obtain the user's video and audio. Simultaneously or sequentially, the far-end image message MF20 is displayed on the screen P through the transmitter 80, and the far-end sound message MF32 is played from the player 31 through the transmitter 80, and the user can obtain the video and audio of the customer service personnel. Both can interact face to face. Users can get instant assistance.

Embodiment 2

If the user wants to pay the telecommunication fee, he touches the digital life button P02 in the initial screen P0, causes the processor 90 to execute the digital life program S2, and the screen P displays the digital life picture P2. In the present embodiment, the button P21 is a pay telecommunication fee button, and the digital life subroutine S21 is a telecommunication fee payment program. Alternatively, the user directly aligns the two-dimensional bar code with the scanner 61, and the scanner 61 generates the scan message M61. The processor 90 directly enters the payment telecommunication fee program S21 based on the scan message M61.

In this program, the screen P displays the fields of the telecommunications company, the identity card number, the birthday, and the mobile number. Each field can be displayed simultaneously or sequentially. After the user inputs the data through the touch display 10 or the operation device 40, the screen P displays a bill, a payment button, and an inquiry detail button.

If the user touches the payment button, the user can choose to pay by cash, financial card, credit card or live account. As shown in FIG. 11, if the user chooses to pay in cash, the physical object access program SD is triggered. The physical entry and exit gate 72 is opened, and is closed after the user inputs cash therein, and the cash is delivered to the physical storage tank 71.

Finally, the screen P displays a confirmation message that the payment was successful. A specific confirmation message can be displayed in each step of the service program S, and will not be described below.

If the user touches the inquiry detail button, the customer service program SV is triggered. At this time, the near-end image message M20 and the near-end voice message M32 are transmitted to the remote terminal device F through the transmitter 80, and the customer service personnel can obtain the user's video and audio. Simultaneously or sequentially, the far-end image message MF20 is displayed on the screen P through the transmitter 80, and the far-end sound message MF32 is played from the player 31 through the transmitter 80, and the user can obtain the video and audio of the customer service personnel. Both can interact face to face. Further, the remote electronic file MF62 can be displayed on the screen P through the transmitter 80 for the customer service staff to explain. The user can see the billing details.

Embodiment 3

If the user wants to pay the compulsory liability insurance premium, he enters the digital life program S2 in the same way. In the present embodiment, the button P22 is a mandatory liability insurance premium button, and the digital life subroutine S22 is a mandatory liability insurance premium program.

In this program, the screen P displays the field in which the license plate number is entered. After the user inputs the license plate number through the touch display 10 or the operation device 40, the screen P displays the bill, the payment button, and the insurance button.

If the user touches the payment button, the operation of the integrated teller machine 1 is similar to that of the second embodiment.

If the user touches the bonus button, the customer service program SV is triggered. The picture P is divided into a sub-picture PA, a sub-picture PB, and a sub-picture PC. The operation interface is reduced to the sub-picture PA as shown in FIG.

The near-end image message M20 and the near-end voice message M32 are transmitted to the remote terminal device F through the transmitter 80, and the customer service personnel can obtain the user's video and audio. Simultaneously or sequentially, the far-end image message MF20 is displayed on the sub-picture PB through the transmitter 80, and the far-end sound message MF32 is played from the player 31 through the transmitter 80, and the user can obtain the video and audio of the customer service personnel. Both can interact face to face. Further, the remote electronic file MF62, such as a policy, can be displayed on the sub-picture PC through the transmitter 80 for the customer service staff to comment.

If the user fills out the policy on the integrated teller machine 1, the processor 90 drives the privacy touch display 11. When the user signs on the privacy touch display 11, the privacy touch display 11 generates a privacy message M11. The processor 90 encrypts the privacy message M11 and transmits it to the remote terminal device F for transmission via the transmitter 80.

Next, the screen PA displays a payment button for the user to pay the fee immediately. Users can choose to pay by cash, financial card, credit card or live account. If the user chooses to pay in cash, the physical access program SD is triggered and operates similarly to the second embodiment.

Thus, the compulsory liability insurance premium program is completed, the service program S ends, and the processor 90 returns to the non-service program S0.

Embodiment 4

If the user wants to open an account online, he touches the online customer service button P03 in the initial screen P0, so that the processor executes the online customer service program S3, and the screen P displays the online customer service screen P3. In this embodiment, the button P31 is an online account opening button, and the online customer service subroutine S31 is an online account opening program.

Once the online account opening procedure S31 is entered, the video of the customer service personnel appears from the beginning to immediately respond to the user's inquiry in person. Specifically, the remote video message MF20 is displayed on the screen P through the transmitter 80 from the beginning, and the remote sound message MF32 is played from the player 31 through the transmitter 80 from the beginning, and the user can obtain the video and audio of the customer service personnel. At the same time or sequentially, the near-end image message M20 and the near-end voice message M32 are transmitted to the remote terminal device F through the transmitter 80, and the customer service personnel can obtain the user's video and audio. Both can interact face to face. Further, the remote electronic file MF62 can be displayed on the screen P through the transmitter 80 for the customer service staff to explain. The division of the picture P has been described before, and will not be described here.

The near-end image message, the near-end sound message and the picture P can be recorded in the integrated teller machine 1 or recorded on the remote terminal machine F to comply with the law, ensure the validity of the data, and protect the rights of both parties.

The remote electronic file MF62, such as an online account opening file, can be printed on the printer 62 as needed for the user to fill out. The paper account opening file filled out by the user can be scanned into the scan message M61 through the scanner 61, and transmitted to the remote terminal device F through the transmitter 80, and handed over to the customer service personnel. Of course, the user can also fill in the online account opening documents directly on the integrated teller machine 1. In this case, the integrated teller machine 1 can have a voice recognition function for the user to input the personal data by voice; or have an optical character recognition (OCR) function to recognize the text message of the scanned message M61. For example: name, date of birth, gender, parent's name, spouse, servitude, place of birth, address. The remote terminal device F can also operate the integrated teller machine 1 from the remote end through the remote operation message MF40 to assist the user in inputting data.

Since the account opening must be authenticated. When the processor 90 executes the authentication procedure of the service program S, the screen P may display a prompt message to guide the user to perform identity authentication. In this step, the camera 20 takes a picture of the user and generates a near-end image message M20. When the scanner 61 detects the document, it scans to generate a scan message M61. When the natural person voucher is detected, the card reader 50 reads to generate a card message M50. When the signature is detected, the privacy touch display 11 generates a privacy message M11.

The processor 90 encrypts the above message and transmits it to the remote terminal device F for transmission via the transmitter 80. In order to create a customer profile, the scan message M61, the near-end image message M20, and the near-end voice message M32 can be combined with the user's data. Specifically, the processor 90 may append the same identification code to the above message.

The physical object access program SD is triggered according to the card issuing instruction transmitted from the remote terminal device F through the transmitter 80, and the processor 90 drives the physical object processing device 70. The physical product maker 73 manufactures the blank card C10 as the card C1. The physical entry and exit gate 72 is opened, and is closed after the user takes out the card C1.

Thus, the online account opening process is completed, the service program S ends, and the processor 90 returns to the non-serving program S0.

Embodiment 5

In this embodiment, the user has completed the steps of filling in documents, scanning documents, documents, and taking photos, such as through a personal computer or a mobile device, in addition to the integrated teller machine 1, and holds its exclusive identification code, for example: QR code. In the online account opening procedure S31, the exclusive identification code can be input through the touch display 10, the operating device 40, the card reader 50, and the scanner 61, so that the processor 90 directly performs the remaining steps, such as video recording, photographing, natural person certificate authentication, and signature. The steps for identity authentication.

The physical object access program SD is triggered according to the card issuing instruction transmitted by the remote terminal device F through the transmitter 80, and its operation is similar to that of the fourth embodiment.

In summary, the integrated teller machine of the present invention can integrate cash or financial card payment, commodity transaction and audio-visual customer service into a single device, which is more convenient than a multimedia guide and an ATM, and saves time. The efficacy of manpower. It can also be easily expanded into an access function with banknotes, currency, bills or cards as needed to meet diverse trading needs. In addition to device integration, the above description further describes the integrated operation for the integrated teller machine of the present invention to provide a complete service for the user.

The above-mentioned embodiments are merely illustrative and the scope of the claims should be based on the scope of the patent application, and is not limited to the above embodiments.

1‧‧‧Integrated Teller Machine
10‧‧‧Touch display messages
11‧‧‧ Privacy Touch Display
20‧‧‧ camera
31‧‧‧ Player
32‧‧‧Microphone
40‧‧‧Operator
401, 402, 403‧‧‧ button
50‧‧‧ card reader
51‧‧‧ wafer card reader
52‧‧‧Induction card reader
61‧‧‧Scanner
62‧‧‧Printer
70‧‧‧Physical treatment unit
71‧‧‧ physical storage tank
72‧‧‧ physical entry and exit
73‧‧‧Physical manufacturer
80‧‧‧Connector
90‧‧‧ processor
1000‧‧‧Base
1010‧‧‧ operator station
1020‧‧‧Connector
C1, C2‧‧‧ physical objects
F‧‧‧Remote terminal
M10‧‧‧ touch message
M11‧‧‧Private message
M20‧‧‧ near-end image information
M32‧‧‧ Near-end voice message
M40‧‧‧ operation message
M50‧‧‧ card message
M61‧‧‧ scan message
MF20‧‧‧Remote image message
MF32‧‧‧ far end voice message
MF40‧‧‧Remote operation message
MF62‧‧‧ remote electronic file
P‧‧‧ screen
PA, PB, PC‧‧‧ sub-picture
P0‧‧‧ initial screen
P01‧‧‧Automatic Teller Machine Business Button
P02‧‧‧digit life button
P03‧‧‧ online customer service button
P1L, P2M, P3N‧‧‧ buttons
S‧‧‧ service program
S0‧‧‧Non-service procedures
S1‧‧‧Automatic Teller Machine Business Procedures
S1L‧‧‧Automatic Teller Machine Business Subprogram
S2‧‧‧ digital life program
S2M‧‧‧ digital life subroutine
S3‧‧‧ online customer service program
S3N‧‧‧ online customer service subroutine
SD‧‧‧ access procedure
SV‧‧‧Customer Service

Figure 1 shows an integrated teller machine of the present invention. Figure 2 shows the initial screen. Figure 3 shows the entry and exit of physical objects into and out of physical objects. Figure 4 shows a physical object processing device module. Figure 5 shows the expansion of the physical processing device module integrated into the integrated teller machine through the connector. Figure 6 shows the collaborative network of integrated teller machines and various terminals. Figure 7 shows three sub-pictures. Figure 8 shows the service program and subroutines. Figure 9 shows the ATM business screen. Figure 10 shows the service program flow chart. Figure 11 shows that the user chooses to pay in cash.

10‧‧‧Touch display messages

11‧‧‧ Privacy Touch Display

20‧‧‧ camera

31‧‧‧ Player

32‧‧‧Microphone

40‧‧‧Operator

50‧‧‧ card reader

51‧‧‧ wafer card reader

52‧‧‧Induction card reader

61‧‧‧Scanner

62‧‧‧Printer

70‧‧‧Physical treatment unit

1000‧‧‧Base

1010‧‧‧ operator station

1020‧‧‧Connector

Claims (18)

An integrated teller machine includes: a touch display that displays a picture and generates a touch message according to a touch; a camera that captures a near-end image to generate a near-end image message; and an operating device Generating an operation message according to an operation; a card reader that reads a card to generate a card message; and a physical object processing device comprising: a physical storage slot for storing a first physical object; and a physical object An entry and exit gate, which inputs a second physical object to the physical storage tank, or outputs the first physical object from the physical storage tank, the first physical object and the second physical object belong to the same kind; a transmitter; And a processor executing a service program according to a start message; the start message includes: the touch message, the near-end image message, the operation message or the card message; wherein, in the service program, the near The end image message is input to the transmitter, and a far-end image message is displayed on the screen through the transmitter; and the physical object is opened and closed, and after the second physical object is input or Close it outputs the first physical object. The integrated teller machine of claim 1, further comprising: a player; and a microphone that receives a near-end sound to generate a near-end sound message; the start message further includes the near-end voice message; In the service program, the near-end voice message is input to the transmitter, and a far-end voice message is played from the player through the transmitter. The integrated teller machine of claim 1, wherein the operating device is a keyboard; and the card reader is a wafer card reader or a proximity card reader. The integrated teller machine of claim 1, wherein the physical processing device is a banknote access machine, and the type is a banknote; or the physical object processing device is a currency access device, and the type is currency; Or the physical processing device is a ticket access machine, and the kind is a ticket. The integrated teller machine of claim 1, wherein the physical object processing apparatus further comprises: a physical object maker that manufactures a first physical material into the first physical object. The integrated teller machine of claim 5, wherein the physical object processing device is a card access device, and the type is a card. The integrated teller machine of claim 1, further comprising: a scanner that scans a file to generate a scan message; wherein, in the service program, the scan message is input to the transmitter. The integrated teller machine of claim 1, further comprising: a printer that prints one of the materials generated in the service program into a paper. The integrated teller machine of claim 1, further comprising: a base comprising: a console on the surface of the base, the operating device and the card reader being disposed on the console; and a connector It is located on the surface of the base, and an expansion physical processing device is detachably connected to the connector. The integrated teller machine of claim 9, wherein the extended physical processing device is a banknote access machine, a money access machine, a ticket access machine or a card access machine. The integrated teller machine of claim 9, further comprising: a privacy touch display embedded in the console and having a size smaller than a size of the touch display. The integrated teller machine of claim 2, wherein in the service program, the screen is displayed to include a first sub-picture and a second sub-picture; the far-end image information is displayed on the first through the transmitter Subscreen. The integrated teller machine of claim 12, wherein in the service program, a remote electronic file is displayed on the second sub-picture through the transmitter. The integrated teller machine of claim 12, wherein when the touch message or the operation message is a customer service message, the far-end image message is displayed on the first sub-picture through the transmitter, and the remote sound is The message is output from the player through the transmitter. The integrated teller machine of claim 1, wherein when the processor executes one of the service programs, the near-end image message and the near-end sound message are stored in the terminal through the transmitter. The integrated teller machine of claim 2, wherein the service program further comprises: an automated teller machine business program that does not have a commodity transaction function; a digital life program that has a commodity transaction function; and an online customer service program, wherein The far-end image message is displayed on the screen through the transmitter from the beginning, and the far-end sound message is played from the player through the transmitter from the beginning. The integrated teller machine of claim 16, wherein the screen displays an initial screen in a non-service program, including: an ATM service button, a digital life button, and an online customer service button; wherein, when the touch falls When the button is on the ATM business button, the processor executes the ATM business program; when the touch falls on the digital life button, the processor executes the digital life program; and when the touch falls on the online customer service button The processor executes the online customer service program. The integrated teller machine of claim 11, wherein in the service program, a remote operation message is input to the processor through the transmitter, and the processor drives the touch display and the camera according to the remote operation message. The physical object processing device or the privacy touch display.