TWI618013B - Automatic deposit cheque system and method of perfomring the same - Google Patents
Automatic deposit cheque system and method of perfomring the same Download PDFInfo
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Abstract
一種自動存票系統,透過存票裝置接收票據與帳號資料,並利用票據的正面影像取得辨識金額資料,金融伺服器依據帳號資料、票據的正面影像與背面影像對票據進行審核程序,並於票據通過審核時,登錄票據之票據號碼、付款銀行名稱、發票日期、付款金額、付款地、付款人與受款人,用以達成客戶無需臨櫃排隊處理存票業務,並提供更高效且更便捷地存票流程之技術功效。An automatic ticket depositing system, which receives bills and account data through a depository device, and obtains the identification amount data by using the front image of the bill, and the financial server reviews the bill according to the account data, the front image and the back image of the bill, and the bill When passing the audit, the ticket number of the registration ticket, the name of the payment bank, the date of the invoice, the payment amount, the place of payment, the payer and the payee are used to achieve the customer's need to queue up to process the deposit ticket business, and provide more efficient and convenient The technical effect of the deposit ticket process.
Description
本發明涉及一種存票系統及其執行方法,特別是自動存票系統及其執行方法。The invention relates to a deposit ticket system and an execution method thereof, in particular to an automatic deposit ticket system and an execution method thereof.
近年來由於工商發達,各種商業交易與金融活動格外蓬勃發展,銀行便如雨後春筍般紛紛成立,進一步帶動了整個社會的經濟活動。In recent years, due to the development of industry and commerce, various commercial transactions and financial activities have flourished, and banks have sprung up, which has further promoted the economic activities of the entire society.
在各種商業交易與金融活動中,由於票據具有高度流動性、安全與方便等優點,使得票據成為最常被使用的付款工具之一。Among various commercial transactions and financial activities, bills become one of the most commonly used payment instruments due to their high liquidity, security and convenience.
一般而言,存入票據往往需要客戶親臨銀行櫃檯進行交易,因此銀行常出現大排長龍的人潮。另外,銀行行員在辦理交易時,需將客戶填寫在紙本的的資料重新輸入電腦裡,造成等待時間增加,耗費客戶的寶貴時間。再者,客戶可能因地理位置的限制,無法及時於營業時間內親臨銀行櫃檯依其需要存入票據,導致在商場上喪失競爭力。In general, depositing tickets often requires customers to visit the bank counters, so banks often have long queues. In addition, bank traders need to re-enter the information that the customer fills in the paper into the computer when processing the transaction, resulting in an increase in waiting time and a valuable time for the customer. Furthermore, due to geographical restrictions, customers may not be able to deposit notes in the bank counters in time during business hours, resulting in loss of competitiveness in the mall.
綜上所述,可知先前技術中長期以來一直存在客戶需親臨銀行櫃檯存入票據以及紙本作業耗費客戶時間之問題,因此實有必要提出改進的技術手段,來解決此一問題。In summary, it can be seen that in the prior art, there has been a long-standing problem that customers need to visit the bank counter to deposit bills and paperwork to spend customer time. Therefore, it is necessary to propose improved technical means to solve this problem.
本發明揭露一種自動存票系統及其執行方法。The invention discloses an automatic ticket deposit system and an execution method thereof.
首先,本發明揭露一種自動存票系統,此系統包含:存票裝置及金融伺服器。其中,存票裝置包含接收單元、輸入單元、存票單元、影像擷取單元、處理單元、顯示單元與儲存單元。接收單元用以取得帳號資料,輸入單元用以接收金額資料與確認訊號,存票單元用以接收一票據,影像擷取單元用以取得票據的正面影像與背面影像。處理單元用以分析票據的正面影像,以取得票據的辨識金額資料。顯示單元用以顯示帳號資料與辨識金額資料。當輸入單元接收確認訊號時,儲存單元用以儲存帳號資料、票據的正面影像與背面影像以及辨識金額資料。金融伺服器連接存票裝置,金融伺服器包含審核單元與票據登打單元。審核單元用以接收儲存單元所儲存的帳號資料、票據的正面影像與背面影像,並依據帳號資料、票據的正面影像與背面影像對票據進行審核程序。票據登打單元用以登錄通過審核的票據之票據號碼、付款銀行名稱、發票日期、付款金額、付款地、付款人與受款人 。First, the present invention discloses an automatic ticket depositing system. The system includes: a depositing device and a financial server. The depositing device includes a receiving unit, an input unit, a depositing unit, an image capturing unit, a processing unit, a display unit, and a storage unit. The receiving unit is configured to obtain the account information, the input unit is configured to receive the amount information and the confirmation signal, the depositing unit is configured to receive a ticket, and the image capturing unit is configured to obtain the front image and the back image of the ticket. The processing unit is configured to analyze the front image of the ticket to obtain the identification amount data of the ticket. The display unit is used to display account data and identification amount data. When the input unit receives the confirmation signal, the storage unit is configured to store the account data, the front and back images of the ticket, and the identification amount data. The financial server is connected to the ticket depositing device, and the financial server includes an auditing unit and a billing unit. The auditing unit is configured to receive the account data stored in the storage unit, the front image and the back image of the ticket, and review the ticket according to the account data, the front image of the ticket and the back image. The bill boarding unit is used to log in the bill number of the approved bill, the name of the payment bank, the date of the invoice, the payment amount, the place of payment, the payer and the payee.
接著,本發明揭露另一種自動存票系統,此系統包含:存票裝置及金融伺服器。其中,存票裝置包含接收單元、輸入單元、存票單元、影像擷取單元、計算單元、處理單元、顯示單元與儲存單元。接收單元用以取得帳號資料,輸入單元用以接收金額資料、數量資料與確認訊號,存票單元用以接收複數個票據。計算單元用以計算該些票據的數量,並輸出計數資料。影像擷取單元用以取得每一票據的正面影像與背面影像。處理單元用以分析每一票據的正面影像,以取得每一票據的辨識金額資料,並加總該些辨識金額資料,並輸出加總資料。顯示單元用以顯示帳號資料、加總資料與計數資料。當輸入單元接收確認訊號時,儲存單元用以儲存帳號資料、每一票據的正面影像、背面影像與辨識金額資料以及加總資料。金融伺服器連接存票裝置,金融伺服器包含審核單元與票據登打單元。審核單元用以接收儲存單元所儲存的帳號資料、每一票據的正面影像與背面影像,並依據帳號資料、每一票據的正面影像與背面影像對每一票據進行審核程序。票據登打單元用以登錄通過審核的每一票據之票據號碼、付款銀行名稱、發票日期、付款金額、付款地、付款人與受款人。Next, the present invention discloses another automatic ticket depositing system, which includes: a depositing device and a financial server. The depositing device includes a receiving unit, an input unit, a depositing unit, an image capturing unit, a calculating unit, a processing unit, a display unit, and a storage unit. The receiving unit is configured to obtain account data, the input unit is configured to receive the amount data, the quantity information and the confirmation signal, and the depositing unit is configured to receive the plurality of bills. The calculation unit is configured to calculate the number of the tickets and output the count data. The image capturing unit is configured to obtain a front image and a back image of each ticket. The processing unit is configured to analyze the front image of each ticket to obtain the identification amount data of each ticket, add the identification amount data, and output the total data. The display unit is used to display account data, total data and count data. When the input unit receives the confirmation signal, the storage unit is configured to store the account data, the front image of each ticket, the back image and the identification amount data, and the total data. The financial server is connected to the ticket depositing device, and the financial server includes an auditing unit and a billing unit. The auditing unit is configured to receive the account data stored in the storage unit, the front image and the back image of each ticket, and review each ticket according to the account data, the front image and the back image of each ticket. The bill boarding unit is used to log in the bill number, payment bank name, invoice date, payment amount, place of payment, payer and payee of each bill that has passed the audit.
另外,本發明揭露一種自動存票系統的執行方法,其步驟包括:取得帳號資料;接收金額資料;接收一票據;取得票據的正面影像與背面影像;分析票據的正面影像,以取得票據的辨識金額資料;顯示帳號資料與辨識金額資料;接收確認訊號;當接收確認訊號時,儲存帳號資料、票據的正面影像與背面影像以及辨識金額資料;接收儲存的帳號資料、票據的正面影像與背面影像,並依據帳號資料、票據的正面影像與背面影像對票據進行審核程序 ﹔以及登錄通過審核的票據之票據號碼、付款銀行名稱、發票日期、付款金額、付款地、付款人與受款人 。In addition, the present invention discloses a method for executing an automatic ticket depositing system, the steps of which include: obtaining account data; receiving money information; receiving a ticket; obtaining a front image and a back image of the ticket; analyzing a front image of the ticket to obtain identification of the ticket Amount data; display account data and identification amount data; receive confirmation signal; when receiving confirmation signal, store account information, front and back images of the ticket and identification amount data; receive stored account data, front and back images of the ticket And review the bill based on the account information, the front and back images of the bill; and the bill number of the bill that passed the audit, the name of the payment bank, the date of the invoice, the payment amount, the place of payment, the payer and the payee.
再者,本發明揭露另一種自動存票系統的執行方法,其步驟包括:取得帳號資料;接收總金額資料與數量資料;接收複數個票據;取得每一票據的正面影像與背面影像;計算該些票據的數量,並輸出計數資料;分析每一票據的正面影像,以取得每一票據之辨識金額資料;加總該些辨識金額資料,並輸出加總資料;顯示帳號資料、加總資料與計數資料;接收確認訊號;當接收確認訊號後,儲存帳號資料、每一票據的正面影像、背面影像與辨識金額資料以及加總資料;接收儲存的帳號資料、每一票據的正面影像與背面影像,並依據帳號資料、每一票據的正面影像與背面影像對每一票據進行審核程序 ﹔以及登錄通過審核的每一票據之票據號碼、付款銀行名稱、發票日期、付款金額、付款地、付款人與受款人 。Furthermore, the present invention discloses another method for executing an automatic ticket depositing system, the steps of which include: obtaining account data; receiving total amount data and quantity data; receiving a plurality of tickets; obtaining a front image and a back image of each ticket; The number of bills, and output count data; analyze the front image of each bill to obtain the identification amount data of each bill; add up the identification amount data, and output the aggregated data; display the account data, add the total data and Counting data; receiving the confirmation signal; after receiving the confirmation signal, storing the account data, the front image of each ticket, the back image and the identification amount data, and the total data; receiving the stored account data, the front image and the back image of each ticket And reviewing each ticket based on the account information, the front image and the back image of each ticket; and the ticket number, payment bank name, invoice date, payment amount, place of payment, payer of each ticket registered for review With the payee.
本發明所揭露之系統與方法如上,與先前技術的差異在於本發明是透過存票裝置接收票據與帳號資料,並利用票據的正面影像取得辨識金額資料,金融伺服器依據帳號資料、票據的正面影像與背面影像對票據進行審核程序,並於票據通過審核時,登錄票據之票據號碼、付款銀行名稱、發票日期、付款金額、付款地、付款人與受款人。The system and method disclosed in the present invention are as above, and the difference from the prior art is that the present invention receives the ticket and the account data through the ticket depositing device, and obtains the identification amount data by using the front image of the ticket, and the financial server is based on the account information and the front side of the ticket. The image and the back image review the ticket, and when the ticket passes the audit, the ticket number of the ticket, the name of the payment bank, the date of the invoice, the payment amount, the place of payment, the payer and the payee.
透過上述的技術手段,本發明可以達成客戶無需臨櫃排隊處理存票業務,並提供更高效且更便捷地存票流程之技術功效。Through the above technical means, the present invention can achieve the technical effect that the customer does not need to queue up to process the deposit ticket business, and provides a more efficient and convenient ticket deposit process.
以下將配合圖式及實施例來詳細說明本發明之實施方式,藉此對本發明如何應用技術手段來解決技術問題並達成技術功效的實現過程能充分理解並據以實施。The embodiments of the present invention will be described in detail below with reference to the drawings and embodiments, so that the application of the technical means to solve the technical problems and achieve the technical effects can be fully understood and implemented.
在說明本發明所揭露之自動存票系統及其執行方法之前,先對本發明所自行定義的名詞作說明,本發明所述的自動存票系統所包含的裝置或單元可以利用各種方式來實現,包括軟體、硬體、韌體或其任意組合。例如,在某些實施方式中,輸入單元可以利用軟體和/或硬體來實現,本發明的範圍在此方面不受限制。在實施中提出的技術使用軟體或韌體可以被儲存在機器可讀儲存媒體上,例:唯讀記憶體(ROM)、隨機存取記憶體(RAM)、磁盤儲存媒體、光儲存媒體、快閃記憶體裝置等等,並且可以由一個或多個通用或專用的可程式化微處理器執行。本發明所述的企業行動銀行系統所包含的存票裝置、金融伺服器及票據交換系統可通過網路通訊系統,例如網際網路、局域網路、廣域網路和/或無線網路相互連通。存票裝置及金融伺服器之間可利用銅傳輸電纜、光纖傳輸、無線傳輸、路由器、防火牆、交換機、閘道電腦和/或邊緣伺服器進行訊號與資料的傳遞。Before describing the automatic ticket depositing system and the method for executing the same disclosed in the present invention, the nouns defined by the present invention will be described. The device or unit included in the automatic ticket depositing system of the present invention can be implemented in various ways. Including software, hardware, firmware or any combination thereof. For example, in some embodiments, the input unit can be implemented using software and/or hardware, and the scope of the invention is not limited in this respect. The techniques and techniques used in the implementation can be stored on a machine readable storage medium, such as read only memory (ROM), random access memory (RAM), disk storage media, optical storage media, fast. A flash memory device or the like, and can be executed by one or more general purpose or special purpose programmable microprocessors. The depository device, financial server and ticket exchange system included in the enterprise mobile banking system of the present invention can be interconnected by a network communication system such as an internet, a local area network, a wide area network, and/or a wireless network. Signal transmission and data transfer between the depository device and the financial server using copper transmission cables, fiber optic transmission, wireless transmission, routers, firewalls, switches, gateway computers, and/or edge servers.
以下配合圖式對本發明自動存票系統及其執行方法做進一步說明,請先參閱「第1圖」,「第1圖」為本發明自動存票系統之一實施例系統方塊圖。自動存票系統100包含:存票裝置110及金融伺服器120。其中,存票裝置110包含接收單元111、輸入單元112、存票單元113、影像擷取單元114、處理單元115、顯示單元116與儲存單元117。金融伺服器120可藉由網路通訊系統40連接存票裝置110,金融伺服器120包含審核單元122與票據登打單元124。The automatic ticket depositing system of the present invention and its execution method will be further described below with reference to the drawings. Please refer to "FIG. 1" first, and "FIG. 1" is a system block diagram of an embodiment of the automatic ticket depositing system of the present invention. The automatic ticket deposit system 100 includes a depository device 110 and a financial server 120. The depositing device 110 includes a receiving unit 111, an input unit 112, a depositing unit 113, an image capturing unit 114, a processing unit 115, a display unit 116, and a storage unit 117. The financial server 120 can be connected to the ticket depositing device 110 via the network communication system 40. The financial server 120 includes an auditing unit 122 and a ticket boarding unit 124.
接收單元111用以取得帳號資料。在本實施例中,接收單元111可為卡片接收單元,用以接收卡片所具有的帳號資料,其中,卡片可為金融卡或信用卡,帳號資料可為存票人於設置存票裝置110的銀行所開戶或註冊所取得的帳號資料,但本實施例並非用以限定本發明。舉例而言,接收單元111可與輸入單元112以及顯示單元116結合為顯示觸控單元,用以於顯示觸控介面接收存票人所輸入之帳號資料,帳號資料可為存票人的公司於設置存票裝置110的銀行所開戶或註冊所取得的帳號資料。需注意的是,帳號資料可以不是設置存票裝置110的銀行所發出的帳號資料,但於存票作業完成後,交易金額可能會被扣除部分手續費用。The receiving unit 111 is configured to obtain account data. In this embodiment, the receiving unit 111 can be a card receiving unit for receiving the account information of the card, wherein the card can be a financial card or a credit card, and the account information can be the bank of the depositing device 110. The account information obtained by the account is opened or registered, but the embodiment is not intended to limit the present invention. For example, the receiving unit 111 can be combined with the input unit 112 and the display unit 116 as a display touch unit for receiving the account information input by the depositor on the display touch interface, and the account information can be the depositor's company. Set the account information obtained by the bank of the ticket depositing device 110 to open an account or register. It should be noted that the account information may not be the account information issued by the bank setting the depositing device 110, but after the depositing operation is completed, the transaction amount may be deducted from the partial processing fee.
輸入單元112用以接收金額資料與確認訊號。在本實施例中,輸入單元112可為實體鍵盤,用以接收存票人所輸入的金額資料與確認訊號,但本實施例並非用以限定本發明。舉例而言,輸入單元112可與接收單元111以及顯示單元116結合為顯示觸控單元,用以於顯示觸控介面接收存票人所輸入的金額資料與確認訊號。其中,金額資料係為欲存入的票據之付款金額,確認訊號係為存票作業過程中存票人確認顯示單元116所顯示的相關資訊後所輸入的訊號。此外,存票作業過程中,輸入單元112也可以接收取消訊號,當輸入單元112接收取消訊號時,存票單元113可退回票據。需注意的是,輸入單元112可於存票作業過程中任一時間接收取消訊號,換句話說,存票人可於存票作業過程中任一時間放棄進行中的存票作業並取回票據。The input unit 112 is configured to receive the amount information and the confirmation signal. In this embodiment, the input unit 112 can be a physical keyboard for receiving the amount information and the confirmation signal input by the depositor, but the embodiment is not intended to limit the present invention. For example, the input unit 112 can be combined with the receiving unit 111 and the display unit 116 as a display touch unit for receiving the amount information and the confirmation signal input by the depositor on the display touch interface. The amount information is the payment amount of the ticket to be deposited, and the confirmation signal is the signal input after the depositor confirms the related information displayed by the display unit 116 during the depositing operation. In addition, during the depositing operation, the input unit 112 can also receive the cancellation signal. When the input unit 112 receives the cancellation signal, the depositing unit 113 can return the ticket. It should be noted that the input unit 112 can receive the cancellation signal at any time during the depositing operation. In other words, the depositor can abandon the ongoing depositing operation and retrieve the ticket at any time during the depositing operation. .
存票單元113用以接收單一票據。在本實施例中,存票單元113係為票據接收單元,用以接收單一票據(即一次僅能存入一張票據),但本實施例並非用以限定本發明。舉例而言,存票單元113也可一次存入多張票據,但此舉例的詳細描述請容後詳述。The ticket depositing unit 113 is configured to receive a single ticket. In this embodiment, the ticket depositing unit 113 is a ticket receiving unit for receiving a single ticket (that is, only one ticket can be stored at a time), but the embodiment is not intended to limit the present invention. For example, the ticket depositing unit 113 can also deposit multiple tickets at a time, but a detailed description of this example will be described in detail later.
影像擷取單元114用以取得票據的正面影像與背面影像。在本實施例中,影像擷取單元114可為掃描單元,例如:掃描機,利用雙面掃描技術取得票據的正面影像與背面影像,但本實施例並非用以限定本發明。舉例而言,影像擷取單元114也可為攝像單元,例如:數位相機或數位攝影機,利用拍照技術取得票據的正面影像與背面影像。其中,正面影像與背面影像可為黑白影像、灰階影像或彩色影像。The image capturing unit 114 is configured to obtain a front image and a back image of the ticket. In this embodiment, the image capturing unit 114 may be a scanning unit, such as a scanner, and obtains a front image and a back image of the ticket by using a double-sided scanning technique, but the embodiment is not intended to limit the present invention. For example, the image capturing unit 114 can also be an image capturing unit, such as a digital camera or a digital camera, and obtains a front image and a back image of the ticket by using a photographing technique. The front image and the back image may be black and white images, grayscale images, or color images.
處理單元115用以分析票據的正面影像,以取得票據的辨識金額資料。在本實施例中,處理單元115接收票據的正面影像,並進行影像分析程序,例如:光學字元識別(Optical Character Recognition,OCR),以取得票據上所撰寫或列印的付款金額(即票據的辨識金額資料)。在實際實施上,處理單元115可為但不限於中央處理器(Central Processing Unit, CPU)。The processing unit 115 is configured to analyze the front image of the ticket to obtain the identification amount data of the ticket. In this embodiment, the processing unit 115 receives the front image of the ticket and performs an image analysis process, such as Optical Character Recognition (OCR), to obtain the payment amount written or printed on the ticket (ie, the ticket). Identification amount information). In practical implementation, the processing unit 115 can be, but not limited to, a Central Processing Unit (CPU).
顯示單元116用以顯示帳號資料與辨識金額資料。在本實施例中,顯示單元116於處理單元115取得票據的辨識金額資料後顯示帳號資料與辨識金額資料,以提供存票人確認辨識金額資料與帳號資料是否有誤,若存票人確認辨識金額資料與帳號資料無誤時,存票人可透過輸入單元112按壓確認鍵,以使輸入單元112接收確認訊號。在實際實施上,顯示單元116可為但不限液晶顯示器(Liquid Crystal Display,LCD)。The display unit 116 is configured to display account data and identification amount data. In this embodiment, the display unit 116 displays the account data and the identification amount data after the processing unit 115 obtains the identification amount data of the ticket, so as to provide the depositor to confirm whether the identification amount data and the account data are incorrect, if the depositor confirms the identification. When the amount information and the account information are correct, the depositor can press the confirmation button through the input unit 112 to cause the input unit 112 to receive the confirmation signal. In practical implementation, the display unit 116 can be, but is not limited to, a liquid crystal display (LCD).
當輸入單元112接收確認訊號時,儲存單元117用以儲存帳號資料、票據的正面影像與背面影像以及辨識金額資料。在實際實施上,儲存單元117可為硬碟、隨機存取記憶體(RAM)、唯讀記憶體(ROM)、可擦式可程式設計唯讀記憶體(EPROM或快閃記憶體)以及上述的任意合適的組合。When the input unit 112 receives the confirmation signal, the storage unit 117 is configured to store the account data, the front and back images of the ticket, and the identification amount data. In practical implementation, the storage unit 117 can be a hard disk, a random access memory (RAM), a read only memory (ROM), an erasable programmable read only memory (EPROM or flash memory), and the like. Any suitable combination.
審核單元122用以接收儲存單元117所儲存的帳號資料、票據的正面影像與背面影像,並依據帳號資料、票據的正面影像與背面影像對票據進行審核程序。其中,審核程序係為判定票據是否具有法定要件,若判定票據不具有法定要件時,則判定票據未通過審核;若判定票據具有法定要件時,則判定票據通過審核,判定票據是否具有法定要件的詳細步驟請容後詳述。The auditing unit 122 is configured to receive the account data stored in the storage unit 117, the front image and the back image of the ticket, and review the ticket according to the account data, the front image and the back image of the ticket. The auditing procedure is to determine whether the bill has statutory requirements. If it is determined that the bill does not have a statutory requirement, then the bill is determined not to pass the audit; if the bill is determined to have statutory requirements, then the bill is judged to pass the audit to determine whether the bill has legal requirements. Please refer to the detailed steps for details.
需注意的是,審核單元122可於輸入單元112接收確認訊號且儲存單元117儲存帳號資料、票據的正面影像與背面影像以及辨識金額資料時立即對票據進行審核程序,以使存票人當場知道票據是否審核通過以及票據是否被退回,可免除存票人事後發現票據未審核通過且票據被退回時,存票人需前往發出帳號資料的銀行領取退回的票據的問題,但本實施例並非用以限定本發明。此外,在本實施例中,當審核單元122判定票據未通過審核時,存票單元113可退回票據,同時顯示單元116的顯示畫面可顯示未審核通過的原因和/或顯示“票據未審核通過”字樣,並退出存票作業。It should be noted that the verification unit 122 can immediately check the ticket when the input unit 112 receives the confirmation signal and the storage unit 117 stores the account data, the front image and the back image of the ticket, and the identification amount data, so that the depositor can know on the spot. Whether the bill is approved and whether the bill is returned, the ticket collector may be exempted from the problem that the ticket holder is not approved and the bill is returned. The depositor needs to go to the bank that issued the account information to collect the returned bill, but this embodiment is not used. To limit the invention. In addition, in the embodiment, when the review unit 122 determines that the ticket has not passed the review, the depositing unit 113 may return the ticket, and the display screen of the display unit 116 may display the reason for the unapproved passage and/or display that the ticket has not been approved. "" and exit the deposit ticket.
舉例而言,當帳號資料可為設置存票裝置110的銀行所開戶或註冊所取得的帳號資料,審核單元122於輸入單元112接收確認訊號且儲存單元117儲存帳號資料、票據的正面影像與背面影像以及辨識金額資料過後的一預定時間,才開始對票據進行審核程序,此種情況下,由於審核單元122非立即對票據進行審核程序,存票人已離開操作的存票裝置110,因此,票據未審核通過時,處理單元115依據帳號資料取得帳號資料持有人的聯絡資料,並依據聯絡資料發出退票通知訊息,以通知存票人票據未審核通過且票據被退回,需前往發出帳號資料的銀行領取退回的票據,並取消存票作業。其中,所述帳號資料持有人的聯絡資料可儲存於金融伺服器120的紀錄單元126,聯絡資料可為電子郵箱地址、電話號碼與即時通訊軟體的帳號其中任一或其組合,處理單元115發出退票通知訊息的方式可為電子郵件、簡訊與即時通訊的短訊其中任一或其組合,預定時間可為銀行營業日的營業時間(即銀行營業日的下午三點半),紀錄單元126可為硬碟、隨機存取記憶體(RAM)、唯讀記憶體(ROM)、可擦式可程式設計唯讀記憶體(EPROM或快閃記憶體)以及上述的任意合適的組合,但本舉例並非用以限定本發明,可依據實際需求進行調整。For example, when the account information can be used to open or register the account information obtained by the bank setting the depositing device 110, the checking unit 122 receives the confirmation signal at the input unit 112 and the storage unit 117 stores the account information, the front image and the back of the ticket. After the image and the predetermined amount of time after the identification of the amount of information, the ticket review process is started. In this case, since the review unit 122 does not immediately review the ticket, the depositor has left the operated ticket depositing device 110. When the bill is unapproved, the processing unit 115 obtains the contact information of the account data holder according to the account data, and issues a refund notice message according to the contact information to notify the depositor that the bill has not been approved and the ticket is returned, and the account information needs to be sent. The bank receives the returned bill and cancels the depositing operation. The contact information of the account data holder may be stored in the record unit 126 of the financial server 120. The contact information may be any one or a combination of an email address, a phone number, and an account number of the instant messaging software, and the processing unit 115 The manner of issuing the refund notice message may be any one or a combination of the short message of the email, the newsletter and the instant message, and the predetermined time may be the business hours of the bank business day (ie, 3:30 pm on the bank business day), the recording unit 126 It can be a hard disk, a random access memory (RAM), a read-only memory (ROM), an erasable programmable read-only memory (EPROM or flash memory), and any suitable combination of the above, but The examples are not intended to limit the invention, and may be adjusted according to actual needs.
票據登打單元124用以登錄通過審核的票據之票據號碼、付款銀行名稱、發票日期、付款金額、付款地、付款人與受款人 ,以利後續票據入庫作業時進行點收。The bill boarding unit 124 is configured to log in the bill number of the approved bill, the payment bank name, the invoice date, the payment amount, the place of payment, the payer and the payee, so as to facilitate the receipt of the subsequent bill storage operation.
此外,金融伺服器120更可包含交易單元128。當審核單元122判斷票據的付款地為具有自動存票系統100的銀行之分行且票據通過審核時,交易單元128接收審核單元122所輸出的交易訊號,並將辨識金額資料(即付款金額)存入帳號資料中,以完成存票作業。In addition, the financial server 120 may further include a transaction unit 128. When the review unit 122 determines that the payment place of the ticket is a branch of the bank having the automatic ticket deposit system 100 and the ticket passes the review, the transaction unit 128 receives the transaction signal output by the review unit 122, and saves the identification amount data (ie, the payment amount). Enter the account information to complete the deposit ticket operation.
再者,自動存票系統100更可包含票據交換系統150。當審核單元122判斷票據的付款地不是具有自動存票系統100的銀行之分行且票據通過審核時,票據交換系統150用以接收票據登打單元124所登錄的票據之票據號碼、付款銀行名稱、發票日期、付款金額、付款地、付款人與受款人,並進行票據交換程序。當票據交換系統150進行票據交換程序後,輸出存票訊號予金融伺服器120,金融伺服器120的交易單元128於接收存票訊號後將辨識金額資料(即付款金額)存入帳號資料中,以完成存票作業。Moreover, the automatic ticket deposit system 100 can further include a ticket exchange system 150. When the review unit 122 determines that the payment place of the ticket is not the branch of the bank with the automatic ticket deposit system 100 and the ticket passes the review, the ticket exchange system 150 is configured to receive the ticket number of the ticket registered by the ticket boarding unit 124, the name of the payment bank, Invoice date, payment amount, place of payment, payer and payee, and a ticket exchange process. After the ticket exchange system 150 performs the ticket exchange process, the deposit ticket signal is output to the financial server 120, and the transaction unit 128 of the financial server 120 stores the identification amount data (ie, the payment amount) in the account data after receiving the deposit ticket signal. To complete the deposit ticket operation.
接著,請參閱「第2圖」,「第2圖」為「第1圖」的自動存票系統之一實施例的執行方法流程圖,其步驟包括:取得帳號資料(步驟210);接收金額資料(步驟220);接收一票據(步驟230);取得票據的正面影像與背面影像(步驟240);分析票據的正面影像,以取得票據的辨識金額資料(步驟250);顯示帳號資料與辨識金額資料(步驟260);接收確認訊號(步驟270);當接收確認訊號時,儲存帳號資料、票據的正面影像與背面影像以及辨識金額資料(步驟280);接收儲存的帳號資料、票據的正面影像與背面影像,並依據帳號資料、票據的正面影像與背面影像對票據進行審核程序(步驟290) ﹔以及登錄通過審核的票據之票據號碼、付款銀行名稱、發票日期、付款金額、付款地、付款人與受款人(步驟292)。透過上述步驟,即可透過存票裝置接收票據與帳號資料,並利用票據的正面影像取得辨識金額資料,金融伺服器依據帳號資料、票據的正面影像與背面影像對票據進行審核程序,並於票據通過審核時,登錄票據之票據號碼、付款銀行名稱、發票日期、付款金額、付款地、付款人與受款人,進而達成客戶無需臨櫃排隊處理存票業務,並提供更高效且更便捷地存票流程之技術功效。Next, please refer to "FIG. 2", and "FIG. 2" is a flowchart of an execution method of an embodiment of the automatic ticket deposit system of "FIG. 1", the steps of which include: obtaining account data (step 210); receiving amount Data (step 220); receiving a ticket (step 230); obtaining a front image and a back image of the ticket (step 240); analyzing the front image of the ticket to obtain the identification amount data of the ticket (step 250); displaying the account data and identification Amount data (step 260); receiving a confirmation signal (step 270); when receiving the confirmation signal, storing the account data, the front and back images of the ticket, and the identification amount data (step 280); receiving the stored account data, the front of the ticket Image and back image, and review the ticket according to the account information, the front image and the back image of the ticket (step 290); and the ticket number of the ticket that has passed the review, the name of the payment bank, the date of the invoice, the payment amount, the place of payment, Payer and payee (step 292). Through the above steps, the ticket and account data can be received through the ticket depositing device, and the identification amount data can be obtained by using the front image of the ticket, and the financial server can review the ticket according to the account data, the front image of the ticket and the back image, and the ticket is reviewed. When passing the audit, the ticket number of the registration ticket, the name of the payment bank, the date of the invoice, the payment amount, the place of payment, the payer and the payee, and thus the customer does not need to queue up to process the deposit ticket business, and provide more efficient and convenient The technical effect of the deposit ticket process.
其中,請參閱「第3圖」,「第3圖」為「第2圖」的步驟290的審核程序方法流程圖。步驟290的審核程序係為判定票據是否具有法定要件,審核程序包含以下步驟:分析票據的正面影像與背面影像,並判斷票據是否存在“票據"字樣與“禁止背書轉讓"字樣(步驟502);分析票據的正面影像判斷票據是否具有付款銀行名稱、發票日期、付款金額、付款地、付款人與受款人(步驟504);當判斷票據沒有“票據"字樣、付款銀行名稱、發票日期、付款金額、付款地或付款人時,判定票據未通過審核(步驟506);當判斷票據沒有受款人且票據有“禁止背書轉讓"字樣時,判定票據未通過審核(步驟508);當判斷票據具有受款人與“禁止背書轉讓"字樣時,則進一步判斷帳號資料的擁有者是否為受款人,如果帳號資料的擁有者為受款人時,判定票據通過審核,如果帳號資料的擁有者不是受款人時,判定票據未通過審核(步驟510);當判斷票據具有受款人且沒有“禁止背書轉讓"字樣時,則進一步判斷帳號資料的擁有者是否為受款人,如果帳號資料的擁有者為受款人時,判定票據通過審核,如果帳號資料的擁有者不是受款人時,則再更進一步分析票據的背面影像判斷票據是否具有受款人的印章,如果有受款人的印章,判定票據通過審核,如果沒有受款人的印章,判定票據未通過審核(步驟512);以及當判斷票據沒有受款人與“禁止背書轉讓"字樣時,判定票據通過審核(步驟514)。進行步驟280的審核程序的時間可為接收確認訊號且儲存帳號資料、票據的正面影像與背面影像以及辨識金額資料時立即進行審核程序,或者可為接收確認訊號且儲存帳號資料、票據的正面影像與背面影像以及辨識金額資料過後的一預定時間,才開始進行審核程序,詳細描述已於上述段落加以說明,於此不再贅述。For details, please refer to "3rd figure" and "3rd figure" is the flowchart of the review procedure of step 290 of "2nd figure." The review procedure of step 290 is to determine whether the ticket has a statutory requirement, and the review procedure includes the following steps: analyzing the front image and the back image of the ticket, and determining whether the ticket has the words "ticket" and "prohibition of endorsement transfer" (step 502); A positive image of the analysis ticket determines whether the ticket has a payment bank name, an invoice date, a payment amount, a place of payment, a payer and a payee (step 504); when the ticket is judged to have no "ticket", the name of the payment bank, the date of the invoice, and the payment When the amount, the place of payment or the payer, the judgment ticket fails the approval (step 506); when it is judged that the ticket has no payee and the note has the words "prohibition of endorsement transfer", it is determined that the ticket has not passed the review (step 508); If there is a payee and the words “prohibition of endorsement transfer”, it is further judged whether the owner of the account information is the payee, and if the owner of the account data is the payee, the judgment is passed, if the owner of the account data is If it is not the payee, it is determined that the ticket has not passed the review (step 510); when the ticket is judged If there is a payee and there is no “prohibition of endorsement transfer”, it is further judged whether the owner of the account information is the payee. If the owner of the account information is the payee, the judgment is approved, if the account information is owned If the person is not a payee, then further analyze the back image of the bill to determine whether the bill has the seal of the payee. If there is a seal of the payee, the bill is passed for review. If there is no seal of the payee, the bill is not determined. Upon review (step 512); and when it is determined that the note has no payee and the words "prohibit endorsement transfer", the ticket is determined to pass the review (step 514). The time for performing the review process of step 280 may be an immediate review process when receiving the confirmation signal and storing the account data, the front and back images of the ticket, and the identification amount data, or may receive the confirmation signal and store the account information and the front image of the ticket. The review process begins with the back image and the predetermined time after the amount of data has been identified. The detailed description has been explained in the above paragraphs and will not be repeated here.
此外,在本實施例中,自動存票系統的執行方法,其步驟更可包含:當判定票據未通過審核時,退回票據,同時顯示未審核通過的原因和/或顯示“票據未審核通過”字樣,詳細描述已於上述段落加以說明,於此不再贅述。In addition, in this embodiment, the method for executing the automatic ticket depositing system may further include: when determining that the ticket fails to pass the review, returning the ticket, and displaying the reason for the unapproved passage and/or displaying the “unaudited bill passed” The detailed description has been described in the above paragraphs and will not be described here.
另外,在本實施例中,自動存票系統的執行方法,其步驟更可包含:當接收取消訊號時,退回票據,使得存票人可於存票作業過程中任一時間放棄進行中的存票作業並取回票據,詳細描述已於上述段落加以說明,於此不再贅述。In addition, in this embodiment, the method for executing the automatic ticket depositing system may further include: when receiving the cancellation signal, returning the ticket, so that the depositor can abandon the ongoing storage at any time during the depositing operation. The ticket is operated and the ticket is retrieved. The detailed description has been explained in the above paragraphs and will not be described here.
接著,在本實施例中,自動存票系統的執行方法,其步驟更可包含:當判斷票據的付款地為具有自動存票系統的銀行之分行且票據通過審核時,接收交易訊號,並將辨識金額資料存入帳號資料中,以完成存票作業。Then, in this embodiment, the method for executing the automatic ticket depositing system may further include: when determining that the payment place of the ticket is a branch of the bank having the automatic ticket deposit system and the ticket passes the review, receiving the transaction signal, and The identification amount data is stored in the account data to complete the depositing operation.
再者,在本實施例中,自動存票系統的執行方法,其步驟更可包含:當判斷票據的付款地不是具有自動存票系統的銀行之分行且票據通過審核時,接收登錄的票據之票據號碼、付款銀行名稱、發票日期、付款金額、付款地、付款人與受款人,並進行票據交換程序;進行票據交換程序後,輸出完成訊號;以及接收完成訊號後將辨識金額資料存入帳號資料中,以完成存票作業。Furthermore, in this embodiment, the method for executing the automatic ticket depositing system may further include: when determining that the payment place of the ticket is not a branch of the bank having the automatic ticket deposit system and the ticket passes the review, receiving the registered ticket The ticket number, the payment bank name, the invoice date, the payment amount, the place of payment, the payer and the payee, and the bill exchange procedure; after the bill exchange procedure, the completion signal is output; and after the completion signal is received, the identification amount data is stored In the account profile, to complete the deposit ticket operation.
在本實施例中,自動存票系統的執行方法,其步驟更可包含:儲存帳號資料持有人的聯絡資料;於儲存帳號資料、票據的正面影像與背面影像以及辨識金額資料過後的一預定時間,才開始進行審核程序;以及當判定票據未通過審核時,依據帳號資料取得帳號資料持有人的聯絡資料,並依據聯絡資料發出退票通知訊息以通知存票人票據未審核通過,需前往發出帳號資料的銀行領取退回的票據。In this embodiment, the method for executing the automatic ticket depositing system may further include: storing the contact information of the account data holder; and storing the account data, the front image and the back image of the ticket, and a reservation after the amount data is recognized. Time, the audit process begins; and when the bill is not approved, the contact information of the account holder is obtained based on the account information, and a refund notice message is sent according to the contact information to notify the depositor that the bill has not been approved. The bank that issued the account information will receive the returned ticket.
請參閱「第4圖」,「第4圖」為本發明自動存票系統之另一實施例系統方塊圖。在本實施例中,自動存票系統300用以存入複數個票據且包含:存票裝置310及金融伺服器320。其中,存票裝置310包含接收單元311、輸入單元312、存票單元313、影像擷取單元314、計算單元315、處理單元316、顯示單元317與儲存單元318。金融伺服器320可藉由網路通訊系統40連接存票裝置310,金融伺服器320包含審核單元322與票據登打單元324。Please refer to FIG. 4, which is a block diagram of another embodiment of the automatic ticket deposit system of the present invention. In this embodiment, the automatic ticket deposit system 300 is configured to store a plurality of tickets and includes: a depositing device 310 and a financial server 320. The depositing device 310 includes a receiving unit 311, an input unit 312, a depositing unit 313, an image capturing unit 314, a calculating unit 315, a processing unit 316, a display unit 317, and a storage unit 318. The financial server 320 can be connected to the ticket depositing device 310 by the network communication system 40. The financial server 320 includes an auditing unit 322 and a ticket boarding unit 324.
接收單元311用以取得帳號資料。在本實施例中,接收單元311可與輸入單元312以及顯示單元317結合為顯示觸控單元,用以於顯示觸控介面接收存票人所輸入之帳號資料,帳號資料可為存票人的公司於設置存票裝置310的銀行所開戶或註冊所取得的帳號資料。The receiving unit 311 is configured to obtain account data. In this embodiment, the receiving unit 311 can be combined with the input unit 312 and the display unit 317 as a display touch unit for receiving the account information input by the depositor on the display touch interface, and the account information can be the depositor's The company opens an account at the bank where the depositing device 310 is installed or registers the account information obtained.
輸入單元312用以接收金額資料、數量資料與確認訊號。在本實施例中,輸入單元312可與接收單元311以及顯示單元317結合為顯示觸控單元,用以於顯示觸控介面接收存票人所輸入的金額資料、數量資料與確認訊號。其中,金額資料係為欲存入的票據之付款金額,數量資料係為欲存入的票據的數量,確認訊號係為存票作業過程中存票人確認顯示單元317所顯示的相關資訊後所輸入的訊號。此外,存票作業過程中,輸入單元312也可以接收取消訊號,當輸入單元312接收取消訊號時,存票單元313可退回所有票據。需注意的是,輸入單元312可於存票作業過程中任一時間接收取消訊號,換句話說,存票人可於存票作業過程中任一時間放棄進行中的存票作業並取回所有票據。The input unit 312 is configured to receive the amount information, the quantity data, and the confirmation signal. In this embodiment, the input unit 312 can be combined with the receiving unit 311 and the display unit 317 as a display touch unit for receiving the amount information, the quantity information and the confirmation signal input by the depositor on the display touch interface. The amount information is the payment amount of the note to be deposited, and the quantity information is the quantity of the note to be deposited, and the confirmation signal is the relevant information displayed by the depositor confirmation display unit 317 during the depositing operation. The signal entered. In addition, during the depositing operation, the input unit 312 can also receive the cancellation signal. When the input unit 312 receives the cancellation signal, the ticketing unit 313 can return all the tickets. It should be noted that the input unit 312 can receive the cancellation signal at any time during the depositing operation. In other words, the depositor can abandon the ongoing depositing operation and retrieve all at any time during the depositing operation. bill.
存票單元313用以接收複數個票據。在本實施例中,存票單元313係為票據接收單元,用以接收複數個票據(即一次存入多張票據)。需注意的是,票據的數量可為但不限於三十(即一次最多存入三十張票據),可依據實際狀況進行調整。The ticketing unit 313 is configured to receive a plurality of tickets. In this embodiment, the ticket depositing unit 313 is a ticket receiving unit for receiving a plurality of bills (ie, depositing a plurality of bills at a time). It should be noted that the number of tickets can be, but is not limited to, thirty (ie, a maximum of thirty tickets are deposited at a time), which can be adjusted according to actual conditions.
影像擷取單元314用以取得每一票據的正面影像與背面影像。在本實施例中,影像擷取單元314可為攝像單元,例如:數位相機或數位攝影機,利用拍照技術取得票據的正面影像與背面影像。其中,正面影像與背面影像可為黑白影像、灰階影像或彩色影像。The image capturing unit 314 is configured to obtain a front image and a back image of each ticket. In this embodiment, the image capturing unit 314 can be an image capturing unit, such as a digital camera or a digital camera, and obtains a front image and a back image of the ticket by using a photographing technology. The front image and the back image may be black and white images, grayscale images, or color images.
計算單元315用以計算該些票據的數量,並輸出計數資料。在實際實施上,計算單元315可為計數器。The calculating unit 315 is configured to calculate the number of the tickets and output the counting data. In practical implementation, the computing unit 315 can be a counter.
處理單元316用以分析每一票據的正面影像,以取得每一票據的辨識金額資料,並加總該些辨識金額資料,並輸出加總資料。在本實施例中,處理單元316接收每一票據的的正面影像,並進行影像分析程序,例如:光學字元識別(Optical Character Recognition,OCR),以取得每一票據的上所撰寫或列印的付款金額(即每一票據的的辨識金額資料)。在實際實施上,處理單元316可為但不限於中央處理器(Central Processing Unit, CPU)。此外,在本實施例中,當處理單元316判斷計數資料與數量資料不相同時(即經計算單元315計算並輸出的票據數量與欲存入的票據數量不同),存票單元313退回所有票據。當處理單元316判斷該加總資料與該總金額資料不相同時(即經處理單元316加總計算並輸出的總金額與欲存入的總金額不同),存票單元313退回所有票據。The processing unit 316 is configured to analyze the front image of each ticket to obtain the identification amount data of each ticket, add the identification amount data, and output the total data. In this embodiment, the processing unit 316 receives the front image of each ticket and performs an image analysis process, such as Optical Character Recognition (OCR), to obtain the writing or printing of each ticket. The payment amount (that is, the identification amount of each ticket). In practical implementation, the processing unit 316 can be, but not limited to, a Central Processing Unit (CPU). In addition, in the present embodiment, when the processing unit 316 determines that the count data and the quantity data are different (that is, the number of tickets calculated and output by the calculation unit 315 is different from the number of tickets to be deposited), the ticketing unit 313 returns all the tickets. . When the processing unit 316 determines that the aggregated data is not the same as the total amount of data (ie, the total amount calculated and output by the processing unit 316 is different from the total amount to be deposited), the depositing unit 313 returns all the tickets.
顯示單元317用以顯示帳號資料、加總資料與計數資料。在本實施例中,輸入單元312可與接收單元311以及顯示單元317結合為顯示觸控單元,顯示單元317於處理單元316取得加總資料以及於計數單元315取得計數資料後顯示帳號資料、加總資料與計數資料,以提供存票人確認帳號資料、加總資料與計數資料是否有誤,若存票人確認帳號資料、加總資料與計數資料無誤時,存票人可透過輸入單元312按壓顯示畫面中虛擬的確認鍵,以使輸入單元312接收確認訊號。The display unit 317 is configured to display account data, total data, and count data. In the embodiment, the input unit 312 can be combined with the receiving unit 311 and the display unit 317 to display the touch unit. The display unit 317 obtains the aggregated data in the processing unit 316 and displays the account data after the counting unit 315 obtains the counting data. The total data and the counting data are provided to provide the depositor with the confirmation of the account information, the aggregated data and the counting data. If the depositor confirms that the account information, the aggregated data and the counting data are correct, the depositor can pass through the input unit 312. The virtual confirmation key in the display screen is pressed to cause the input unit 312 to receive the confirmation signal.
當輸入單元312接收確認訊號時,儲存單元318用以儲存帳號資料、每一票據的正面影像、背面影像與辨識金額資料以及加總資料。在實際實施上,儲存單元318可為硬碟、隨機存取記憶體(RAM)、唯讀記憶體(ROM)、可擦式可程式設計唯讀記憶體(EPROM或快閃記憶體)以及上述的任意合適的組合。When the input unit 312 receives the confirmation signal, the storage unit 318 is configured to store the account data, the front image of each ticket, the back image and the identification amount data, and the total data. In practical implementation, the storage unit 318 can be a hard disk, a random access memory (RAM), a read-only memory (ROM), an erasable programmable read-only memory (EPROM or flash memory), and the like. Any suitable combination.
審核單元322用以接收儲存單元318所儲存的帳號資料、每一票據的正面影像與背面影像,並依據帳號資料、每一票據的正面影像與背面影像對每一票據進行審核程序。其中,審核程序係為判定每一票據是否具有法定要件,若判定票據不具有法定要件時,則判定票據未通過審核;若判定票據具有法定要件時,則判定票據通過審核,判定每一票據是否具有法定要件的詳細步驟已於上述段落加以說明,於此不再贅述。The auditing unit 322 is configured to receive the account data stored in the storage unit 318, the front image and the back image of each ticket, and perform an audit process for each ticket according to the account data, the front image and the back image of each ticket. The auditing procedure is to determine whether each bill has a statutory requirement. If it is determined that the bill does not have a statutory requirement, then the bill is determined not to pass the audit; if the bill is determined to have a statutory requirement, then the bill is judged to pass the audit, and it is determined whether each bill is Detailed steps with statutory requirements are described in the above paragraphs and will not be repeated here.
需注意的是,在本實施例中,審核單元322可於輸入單元312接收確認訊號且儲存單元318儲存帳號資料、每一票據的正面影像、背面影像與辨識金額資料以及加總資料時立即對每一票據進行審核程序,以使存票人當場知道該些票據是否審核通過以及該些票據是否被退回,可免除存票人事後發現部分或所有票據未審核通過而被退回時,存票人需前往發出帳號資料的銀行領取退回的票據的問題,但本實施例並非用以限定本發明。此外,當審核單元判定票據未通過審核時,存票單313元退回未通過審核的票據,同時顯示單元317的顯示畫面可顯示未通過審核的票據的數量、通過審核的票據的數量以及通過審核的票據的辨識金額資料之加總資料,以供存票人確認資訊是否有誤,當存票人按壓顯示畫面中的虛擬確認鍵時(即存票人確認資訊無誤),則接續後續作業。It should be noted that, in this embodiment, the auditing unit 322 can receive the confirmation signal at the input unit 312 and the storage unit 318 stores the account data, the front image of each ticket, the back image and the identification amount data, and immediately adds the total data. Each bill is reviewed so that the depositor knows on the spot whether the bills have been approved and whether the bills have been returned. The depositor can be exempted from the fact that the depositor has found that some or all of the bills have been returned without review. The problem of returning the returned ticket is required to go to the bank that issued the account information, but this embodiment is not intended to limit the present invention. In addition, when the audit unit determines that the ticket has not passed the audit, the deposit ticket 313 yuan returns the unverified bill, and the display screen of the display unit 317 can display the number of the unapproved bills, the number of bills passed the audit, and the audit. The sum of the identification amount data of the bill for the depositor to confirm whether the information is incorrect. When the depositor presses the virtual confirmation button on the display screen (ie, the depositor confirms that the information is correct), the subsequent operation is continued.
票據登打單324元用以登錄通過審核的每一票據之票據號碼、付款銀行名稱、發票日期、付款金額、付款地、付款人與受款人,以利後續票據入庫作業時進行點收。The bill is 324 yuan for logging in the bill number, payment bank name, invoice date, payment amount, place of payment, payer and payee of each bill passed for review, in order to facilitate the receipt of the subsequent bill storage operation.
此外,金融伺服器320更可包含交易單元328。當審核單元322判斷票據的付款地為具有自動存票系統300的銀行之分行且票據通過審核時,交易單元328接收審核單元322所輸出的交易訊號,並將加總資料或通過審核的票據的辨識金額資料之加總存入帳號資料中,以完成存票作業。In addition, the financial server 320 may further include a transaction unit 328. When the review unit 322 determines that the payment place of the ticket is a branch of the bank having the automatic ticket deposit system 300 and the ticket passes the review, the transaction unit 328 receives the transaction signal output by the review unit 322, and adds the summary data or the approved ticket. The sum of the identification amount data is stored in the account data to complete the depositing operation.
在本實施例中,自動存票系統300更可包含票據交換系統350。當審核單元322判斷票據的付款地不是具有自動存票系統300的銀行之分行且票據通過審核時,票據交換系統350用以接收票據登打單元324所登錄的票據之票據號碼、付款銀行名稱、發票日期、付款金額、付款地、付款人與受款人,並進行票據交換程序。當票據交換系統350進行票據交換程序後,輸出完成訊號予金融伺服器320,金融伺服器320的交易單元328於接收完成訊號後將加總資料或通過審核的票據的辨識金額資料之加總存入帳號資料中,以完成存票作業。In the present embodiment, the automatic ticket deposit system 300 may further include a ticket exchange system 350. When the review unit 322 determines that the payment place of the ticket is not the branch of the bank having the automatic ticket deposit system 300 and the ticket passes the review, the ticket exchange system 350 is configured to receive the ticket number of the ticket registered by the ticket boarding unit 324, the name of the payment bank, Invoice date, payment amount, place of payment, payer and payee, and a ticket exchange process. After the ticket exchange system 350 performs the ticket exchange process, the completion signal is output to the financial server 320, and the transaction unit 328 of the financial server 320 adds the total amount of the accumulated data or the verified amount of the approved document after receiving the completion signal. Enter the account information to complete the deposit ticket operation.
接著,請參閱「「第5圖」,「第5圖」為「第4圖」的自動存票系統之一實施例的執行方法流程圖,其步驟包括:取得帳號資料(步驟402);接收總金額資料與數量資料(步驟404);接收複數個票據(步驟406);取得每一票據的正面影像與背面影像(步驟408);計算該些票據的數量,並輸出計數資料(步驟410);分析每一票據的正面影像,以取得每一票據之辨識金額資料(步驟412);加總該些辨識金額資料,並輸出加總資料(步驟414);顯示帳號資料、加總資料與計數資料(步驟416)﹔接收確認訊號(步驟418);當接收確認訊號後,儲存帳號資料、每一票據的正面影像、背面影像與辨識金額資料以及加總資料(步驟420);接收儲存的帳號資料、每一票據的正面影像與背面影像,並依據帳號資料、每一票據的正面影像與背面影像對每一票據進行審核程序(步驟422)﹔以及登錄通過審核的每一票據之票據號碼、付款銀行名稱、發票日期、付款金額、付款地、付款人與受款人 (步驟424)。透過上述步驟,即可透過存票裝置接收複數個票據與帳號資料,並利用每一票據的正面影像取得辨識金額資料,金融伺服器依據帳號資料、每一票據的正面影像與背面影像對每一票據進行審核程序,並於票據通過審核時,登錄票據之票據號碼、付款銀行名稱、發票日期、付款金額、付款地、付款人與受款人,進而達成客戶無需臨櫃排隊處理存票業務,並提供更高效且更便捷地存票流程之技術功效。Next, please refer to ""figure 5", "figure 5" is a flowchart of the execution method of an embodiment of the automatic ticket deposit system of "figure 4", the steps of which include: obtaining account data (step 402); receiving Total amount data and quantity data (step 404); receiving a plurality of tickets (step 406); obtaining a front image and a back image of each ticket (step 408); calculating the number of the tickets, and outputting the count data (step 410) And analyzing the front image of each ticket to obtain the identification amount data of each ticket (step 412); summing the identification amount data, and outputting the total data (step 414); displaying the account data, summing the data and counting Data (step 416); receiving the confirmation signal (step 418); after receiving the confirmation signal, storing the account data, the front image of each ticket, the back image and the identification amount data, and the total data (step 420); receiving the stored account The data, the front and back images of each ticket, and review each ticket based on the account information, the front and back images of each ticket (Step 422); and notes the number of bills each log in the audit, the paying bank name, invoice date, payment amount, payment, the payer and the payee (step 424). Through the above steps, a plurality of bills and account data can be received through the ticket depositing device, and the identification amount data is obtained by using the front image of each bill, and the financial server uses each of the front and back images of each bill according to the account information. The bill is reviewed, and when the bill passes the audit, the bill number of the bill, the name of the payment bank, the date of the invoice, the payment amount, the place of payment, the payer and the payee are obtained, and the customer is not required to queue up to process the deposit ticket business. And provide the technical efficiency of the more efficient and convenient depositing process.
其中,步驟422的審核程序係為利用步驟290的審核程序對每一票據進行審核,於此不再贅述。此外,在本實施例中,自動存票系統的執行方法,其步驟更可包含:當判定有票據未通過審核時,退回未通過審核的票據,同時顯示未通過審核的票據的數量、通過審核的票據的數量以及通過審核的票據的辨識金額資料之加總資料,以供存票人確認資訊是否有誤,當存票人按壓顯示畫面中的虛擬確認鍵時(即存票人確認資訊無誤),則接續後續作業。The auditing procedure of step 422 is to review each bill by using the auditing procedure of step 290, and details are not described herein. In addition, in this embodiment, the method for executing the automatic ticket depositing system may further include: when it is determined that the ticket fails to pass the audit, returning the unverified bill, and displaying the number of the unapproved bills, and passing the audit The sum of the number of the notes and the amount of the approved amount of the approved notes, for the depositor to confirm whether the information is incorrect, when the depositor presses the virtual confirmation button on the display screen (ie, the depositor confirms the information is correct) ), then follow up the follow-up work.
在本實施例中,自動存票系統的執行方法,其步驟更可包含:判斷計數資料與數量資料是否相同﹔以及當計數資料與數量資料不相同時,退回所有票據。In this embodiment, the method for executing the automatic ticket deposit system may further include: determining whether the count data and the quantity data are the same; and returning all the bills when the count data and the quantity data are different.
在本實施例中,自動存票系統的執行方法,其步驟更可包含:判斷加總資料與總金額資料是否相同﹔以及當加總資料與總金額資料不相同時,退回所有票據。In this embodiment, the method for executing the automatic ticket depositing system may further include: determining whether the aggregated data is the same as the total amount of data; and returning all the bills when the aggregated data is different from the total amount of data.
另外,在本實施例中,自動存票系統的執行方法,其步驟更可包含:當接收取消訊號時,退回所有票據,使得存票人可於存票作業過程中任一時間放棄進行中的存票作業並取回所有票據,詳細描述已於上述段落加以說明,於此不再贅述。In addition, in this embodiment, the method for executing the automatic ticket depositing system may further include: when receiving the cancel signal, returning all the bills, so that the depositor can give up the ongoing work at any time during the depositing operation. The ticketing operation and the retrieval of all the notes are described in detail in the above paragraphs, and will not be repeated here.
再者,在本實施例中,自動存票系統的執行方法,其步驟更可包含:當判斷票據的付款地不是具有自動存票系統的銀行之分行且票據通過審核時,接收登錄的票據之票據號碼、付款銀行名稱、發票日期、付款金額、付款地、付款人與受款人,並進行票據交換程序;進行票據交換程序後,輸出完成訊號;以及接收完成訊號後將通過審核的票據的辨識金額資料之加總或加總資料存入帳號資料中,以完成存票作業。Furthermore, in this embodiment, the method for executing the automatic ticket depositing system may further include: when determining that the payment place of the ticket is not a branch of the bank having the automatic ticket deposit system and the ticket passes the review, receiving the registered ticket The ticket number, the payment bank name, the invoice date, the payment amount, the place of payment, the payer and the payee, and the bill exchange procedure; after the bill exchange procedure, the completion signal is output; and the bill that will pass the audit after receiving the completion signal The summed or aggregated data of the identification amount data is stored in the account data to complete the depositing operation.
在本實施例中,自動存票系統的執行方法,其步驟更可包含:當判斷票據的付款地為具有自動存票系統的銀行之分行且票據通過審核時,接收交易訊號,並將加總資料或通過審核的票據的辨識金額資料之加總存入帳號資料中,以完成存票作業。In this embodiment, the method for executing the automatic ticket depositing system may further include: when determining that the payment place of the ticket is a branch of the bank having the automatic ticket deposit system and the ticket passes the review, receiving the transaction signal, and adding the total The sum of the data of the information or the amount of the approved amount of the approved bill is stored in the account data to complete the depositing operation.
在本實施例中,自動存票系統的執行方法,其步驟更可包含:儲存帳號資料持有人的聯絡資料;於儲存帳號資料、每一票據的正面影像與背面影像以及辨識金額資料過後的一預定時間,才開始進行審核程序;以及當判定票據未通過審核時,依據帳號資料取得帳號資料持有人的聯絡資料,並依據聯絡資料發出退票通知訊息以通知存票人部分或所有票據未審核通過,需前往發出帳號資料的銀行領取退回的票據。In this embodiment, the method for executing the automatic ticket depositing system may further include: storing the contact information of the account data holder; and storing the account data, the front image and the back image of each ticket, and the identification amount data. The review process is started only after a predetermined time; and when it is determined that the ticket has not passed the audit, the contact information of the account data holder is obtained according to the account information, and a refund notice message is sent according to the contact information to notify the depositor that some or all of the bills are not After the approval is passed, you need to go to the bank that issued the account information to receive the returned bill.
綜上所述,可知本發明與先前技術之間的差異在於透過存票裝置接收票據與帳號資料,並利用票據的正面影像取得辨識金額資料,金融伺服器依據帳號資料、票據的正面影像與背面影像對票據進行審核程序,並於票據通過審核時,登錄票據之票據號碼、付款銀行名稱、發票日期、付款金額、付款地、付款人與受款人,藉由此一技術手段可以解決先前技術所存在的問題,進而達成客戶無需臨櫃排隊處理存票業務,並提供更高效且更便捷地存票流程之技術功效。In summary, it can be seen that the difference between the present invention and the prior art is that the ticket and the account data are received through the ticket depositing device, and the identification amount data is obtained by using the front image of the ticket, and the financial server is based on the account information, the front image of the ticket, and the back side. The image review procedure of the ticket, and when the bill passes the audit, the ticket number of the ticket, the name of the payment bank, the date of the invoice, the payment amount, the place of payment, the payer and the payee can be solved by this technical means. The existing problems, in turn, achieve the technical effect of the customer not needing to queue up to process the deposit ticket business, and provide a more efficient and convenient ticket deposit process.
雖然本發明以前述之實施例揭露如上,然其並非用以限定本發明,任何熟習相像技藝者,在不脫離本發明之精神和範圍內,當可作些許之更動與潤飾,因此本發明之專利保護範圍須視本說明書所附之申請專利範圍所界定者為準。While the present invention has been described above in the foregoing embodiments, it is not intended to limit the invention, and the invention may be modified and modified without departing from the spirit and scope of the invention. The scope of patent protection shall be subject to the definition of the scope of the patent application attached to this specification.
40‧‧‧網路通訊系統40‧‧‧Network communication system
100、300‧‧‧自動存票系統100, 300‧‧‧Automatic Ticketing System
110、310‧‧‧存票裝置110, 310‧‧ ‧ deposit ticket device
120、320‧‧‧金融伺服器120, 320‧‧‧ financial server
111、311‧‧‧接收單元111, 311‧‧‧ receiving unit
112、312‧‧‧輸入單元112, 312‧‧‧ input unit
113、313‧‧‧存票單元113, 313‧‧ ‧ deposit unit
114、314‧‧‧影像擷取單元114,314‧‧‧Image capture unit
115、316‧‧‧處理單元115, 316‧‧ ‧ processing unit
116、317‧‧‧顯示單元116, 317‧‧‧ display unit
117、318‧‧‧儲存單元117, 318‧‧‧ storage unit
122、322‧‧‧審核單元122, 322‧‧‧ audit unit
124、324‧‧‧票據登打單元124, 324‧‧‧ bills boarding unit
126‧‧‧紀錄單元126‧‧‧record unit
128、328‧‧‧交易單元128, 328‧‧‧ trading unit
150、350‧‧‧票據交換系統150, 350‧‧‧Note Exchange System
步驟210‧‧‧取得帳號資料Step 210‧‧‧Get account information
步驟220‧‧‧接收金額資料Step 220‧‧‧ Receiving amount information
步驟230‧‧‧接收一票據Step 230‧‧‧ Receive a ticket
步驟240‧‧‧取得票據的正面影像與背面影像Step 240‧‧‧Get the front and back images of the ticket
步驟250‧‧‧分析票據的正面影像,以取得票據的辨識金額資料Step 250‧‧‧ Analyze the frontal image of the note to obtain the identification amount of the note
步驟260‧‧‧顯示帳號資料與辨識金額資料Step 260‧‧‧ Display account data and identification amount information
步驟270‧‧‧接收確認訊號Step 270‧‧‧ Receive confirmation signal
步驟280‧‧‧當接收確認訊號時,儲存帳號資料、票據的正面影像與背面 影像以及辨識金額資料Step 280‧‧‧ When receiving the confirmation signal, store the account information, the front and back images of the ticket, and the amount of information
步驟290‧‧‧接收儲存的帳號資料、票據的正面影像與背面影像,並依據 帳號資料、票據的正面影像與背面影像對票據進行審核程序Step 290‧‧‧ Receive the stored account data, the front image and the back image of the ticket, and review the ticket according to the account information, the front image and the back image of the ticket
步驟292‧‧‧登錄通過審核的票據之票據號碼、付款銀行名稱、發票日 期、付款金額、付款地、付款人與受款人Step 292‧‧‧Received the bill number of the approved bill, the name of the payment bank, the date of the invoice, the payment amount, the place of payment, the payer and the payee
步驟402‧‧‧取得帳號資料Step 402‧‧‧Get account information
步驟404‧‧‧接收總金額資料與數量資料Step 404‧‧‧Receive total amount of data and quantity information
步驟406‧‧‧接收複數個票據Step 406‧‧‧ Receive multiple bills
步驟408‧‧‧取得每一票據的正面影像與背面影像Step 408‧‧‧Get the front and back images of each ticket
步驟410‧‧‧計算該些票據的數量,並輸出計數資料Step 410‧‧‧ Calculate the number of these notes and output the count data
步驟412‧‧‧分析每一票據的正面影像,以取得每一票據之辨識金額資料Step 412‧‧‧ Analyze the frontal image of each note to obtain the identification amount of each note
步驟414‧‧‧加總該些辨識金額資料,並輸出加總資料Step 414‧‧‧Add up the amount of identification data and output the aggregated data
步驟416‧‧‧顯示帳號資料、加總資料與計數資料Step 416‧‧‧ Display account data, aggregate data and count data
步驟418‧‧‧接收確認訊號Step 418‧‧‧ Receive confirmation signal
步驟420‧‧‧當接收確認訊號後,儲存帳號資料、每一票據的正面影像、 背面影像與辨識金額資料以及加總資料Step 420‧‧‧ After receiving the confirmation signal, store the account data, the front image of each ticket, the back image and the identification amount data, and the total data
步驟422‧‧‧接收儲存的帳號資料、每一票據的正面影像與背面影像,並 依據帳號資料、每一票據的正面影像與背面影像對每一票據 進行審核程序Step 422‧‧‧ Receive the stored account data, the front and back images of each ticket, and review each ticket based on the account information, the front and back images of each ticket
步驟424‧‧‧登錄通過審核的每一票據之票據號碼、付款銀行名稱、發票 日期、付款金額、付款地、付款人與受款人Step 424‧‧‧Received the bill number, payment bank name, invoice date, payment amount, place of payment, payer and payee of each bill passed for review
步驟502‧‧‧分析票據的正面影像與背面影像,並判斷票據是否存在“票 據"字樣與“禁止背書轉讓"字樣Step 502‧‧‧ Analyze the front and back images of the ticket, and determine whether the ticket has the word “ticket” and the words “prohibition of endorsement transfer”
步驟504‧‧‧分析票據的正面影像判斷票據是否具有付款銀行名稱、發票 日期、付款金額、付款地、付款人與受款人Step 504‧‧‧ Analyze the positive image of the ticket to determine whether the ticket has the name of the payment bank, the date of the invoice, the payment amount, the place of payment, the payer and the payee
步驟506‧‧‧當判斷票據沒有“票據"字樣、付款銀行名稱、發票日期、 付款金額、付款地或付款人時,判定票據未通過審核Step 506‧‧‧ When the judgment ticket does not have the words "ticket", the name of the payment bank, the date of the invoice, the amount of payment, the place of payment or the payer, the judgment of the bill has not passed the audit.
步驟508‧‧‧當判斷票據沒有受款人且票據有“禁止背書轉讓"字樣時, 判定票據未通過審核Step 508‧‧‧ When it is judged that the bill has no payee and the bill has the words “prohibition of endorsement transfer”, it is determined that the bill has not passed the audit.
步驟510‧‧‧當判斷票據具有受款人與“禁止背書轉讓"字樣時,則進一 步判斷帳號資料的擁有者是否為受款人,如果帳號資料的擁 有者為受款人時,判定票據通過審核,如果帳號資料的擁有 者不是受款人時,判定票據未通過審核Step 510‧‧‧ When judging that the note has the payee and the words “prohibition of endorsement transfer”, it further determines whether the owner of the account information is the payee, and if the owner of the account information is the payee, the decision is passed Review, if the owner of the account data is not the payee, the bill is not approved
步驟512‧‧‧當判斷票據具有受款人且沒有“禁止背書轉讓"字樣時,則 進一步判斷帳號資料的擁有者是否為受款人,如果帳號資料 的擁有者為受款人時,判定票據通過審核,如果帳號資料的 擁有者不是受款人時,則再更進一步分析票據的背面影像判 斷票據是否具有受款人的印章,如果有受款人的印章,判定 票據通過審核,如果沒有受款人的印章,判定票據未通過審 核Step 512‧‧‧ When judging that the note has the payee and there is no “prohibition of endorsement transfer”, it is further determined whether the owner of the account information is the payee, and if the owner of the account data is the payee, the decision is made After the audit, if the owner of the account information is not the payee, then further analyze the back image of the bill to determine whether the bill has the seal of the payee. If there is a seal of the payee, the bill is approved, if not The seal of the payer, the judgment of the bill failed to pass the audit
步驟514‧‧‧當判斷票據沒有受款人與“禁止背書轉讓"字樣時,判定票 據通過審核Step 514‧‧‧ When judging that the note has no payee and the words “prohibition of endorsement transfer”, it is determined that the ticket has passed the review.
第1圖為本發明自動存票系統之一實施例系統方塊圖。 第2圖為第1圖的自動存票系統之一實施例的執行方法流程圖。 第3圖為第2圖的步驟290的審核程序方法流程圖。 第4圖為本發明自動存票系統之另一實施例系統方塊圖。 第5圖為第4圖的自動存票系統之一實施例的執行方法流程圖。BRIEF DESCRIPTION OF THE DRAWINGS Figure 1 is a block diagram of an embodiment of an embodiment of an automatic ticket deposit system of the present invention. Fig. 2 is a flow chart showing an execution method of an embodiment of the automatic ticket deposit system of Fig. 1. Figure 3 is a flow chart of the review procedure of step 290 of Figure 2. Figure 4 is a system block diagram of another embodiment of the automatic ticket deposit system of the present invention. Fig. 5 is a flow chart showing an execution method of an embodiment of the automatic ticket deposit system of Fig. 4.
Claims (9)
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