TWI618013B - Automatic deposit cheque system and method of perfomring the same - Google Patents

Abstract

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

Automatic ticket deposit system and execution method thereof

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.

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.

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.

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.

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.

The invention discloses an automatic ticket deposit system and an execution method thereof.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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. .

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.

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.

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).

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).

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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‧‧‧Network communication system

100, 300‧‧‧Automatic Ticketing System

110, 310‧‧ ‧ deposit ticket device

120, 320‧‧‧ financial server

111, 311‧‧‧ receiving unit

112, 312‧‧‧ input unit

113, 313‧‧ ‧ deposit unit

114,314‧‧‧Image capture unit

115, 316‧‧ ‧ processing unit

116, 317‧‧‧ display unit

117, 318‧‧‧ storage unit

122, 322‧‧‧ audit unit

124, 324‧‧‧ bills boarding unit

126‧‧‧record unit

128, 328‧‧‧ trading unit

150, 350‧‧‧Note Exchange System

Step 210‧‧‧Get account information

Step 220‧‧‧ Receiving amount information

Step 230‧‧‧ Receive a ticket

Step 240‧‧‧Get the front and back images of the ticket

Step 250‧‧‧ Analyze the frontal image of the note to obtain the identification amount of the note

Step 260‧‧‧ Display account data and identification amount information

Step 270‧‧‧ Receive confirmation signal

Step 280‧‧‧ When receiving the confirmation signal, store the account information, the front and back images of the ticket, and the amount of information

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

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

Step 402‧‧‧Get account information

Step 404‧‧‧Receive total amount of data and quantity information

Step 406‧‧‧ Receive multiple bills

Step 408‧‧‧Get the front and back images of each ticket

Step 410‧‧‧ Calculate the number of these notes and output the count data

Step 412‧‧‧ Analyze the frontal image of each note to obtain the identification amount of each note

Step 414‧‧‧Add up the amount of identification data and output the aggregated data

Step 416‧‧‧ Display account data, aggregate data and count data

Step 418‧‧‧ Receive confirmation signal

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

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

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

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”

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

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.

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.

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

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

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.

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)

An automatic ticket depositing system, comprising: a depositing device, comprising: a receiving unit for acquiring an account data; an input unit for receiving an amount of data and a confirmation signal; and a depositing unit for receiving An image capture unit for obtaining a front image and a back image of the ticket; a processing unit for analyzing the front image of the ticket to obtain an identification amount of the ticket; a display unit And the storage unit is configured to store the account information, the front image and the back image of the ticket, and the storage unit, when the input unit receives the confirmation signal And the financial server is connected to the ticket depositing device by a network communication system, the financial server includes: an auditing unit, configured to receive the account information stored by the storage unit, the ticket a front image and the back image, and reviewing the ticket based on the account information, the front image of the ticket, and the back image Sequence, wherein the audit program comprising: Analyzing the front image of the ticket and the back image, and determining whether the ticket has the words "ticket" and "prohibition of endorsement transfer"; analyzing the positive image of the ticket to determine whether the ticket has a payment bank name, an invoice date, and a payment Amount, place of payment, payer and payee; when judging that the note does not have the word "ticket", the name of the payment bank, the date of the invoice, the payment amount, the place of payment or the payer, it is determined that the note has not passed the review; If there is no payee and the note has the words “prohibition of endorsement transfer”, it is judged that the note has not passed the review; when it is judged that the note has the name of the payee and the “transfer of endorsement”, it is further determined whether the owner of the account information is For the payee, if the owner of the account information is the payee, it is determined that the bill has passed the review, and if the owner of the account information is not the payee, it is determined that the bill has not passed the audit; If the person does not have the words "prohibition of endorsement transfer", then further judge whether the owner of the account information is subject to If the owner of the account information is the payee, it is determined that the ticket has passed the audit. If the owner of the account data is not the payee, the back image of the ticket is further analyzed to determine whether the ticket has The seal of the payee, if there is a seal of the payee, determine the note After review, if there is no seal of the payee, it is determined that the bill has not passed the audit; and when it is judged that the bill has no payee and the words “prohibition of endorsement transfer”, the bill is judged to pass the audit; and a bill is used to board the unit, The ticket number, payment bank name, invoice date, payment amount, place of payment, payer and payee of the ticket that passed the audit. According to the automatic ticket depositing system of claim 1, wherein the checking unit returns the ticket when the checking unit determines that the ticket has not passed the audit or the input unit receives a cancel signal. An automatic ticket depositing system, comprising: a ticket depositing device, comprising: a receiving unit for acquiring an account data; an input unit for receiving a total amount of data, a quantity of data and a confirmation signal; The unit is configured to receive a plurality of bills; an image capturing unit for obtaining a front image and a back image of each of the bills; and a calculating unit for calculating the number of the bills and outputting a count data; a processing unit for analyzing the front image of each of the tickets to obtain an identification amount of each of the notes, summing the identification amount data, and outputting a total amount of data; a display unit for Displaying the account information, the total data and the counting data; and a storage unit, when the input unit receives the confirmation signal, the storage unit is configured to store the account information, the front image of each of the tickets, and the back side The image and the identification amount data and the aggregated data; and a financial server connected to the ticket depositing device by a network communication system, the financial server comprising: an auditing unit for receiving the storage unit The account information, the front image of each of the bills, and the back image, and an auditing procedure for each of the bills according to the account information, the front image of each of the bills, and the back image, wherein the review procedure The method comprises: analyzing the front image of the ticket and the back image, and determining whether the note has the word “ticket” and the word “prohibition of endorsement transfer” Analysis of the positive image of the instrument to determine whether the bill paying bank name, invoice date, payment amount, payment, the payer and the payee; When it is judged that the note does not have the word "ticket", the name of the payment bank, the date of the invoice, the payment amount, the place of payment, or the payer, it is determined that the note has not passed the review; when it is judged that the note has no payee and the note has "prohibition of endorsement transfer" "When the words indicate that the note has not passed the review; when it is judged that the note has the name of the payee and the "transfer of endorsement", it is further determined whether the owner of the account information is the payee, if the owner of the account information When it is the payee, it is determined that the bill has passed the audit. If the owner of the account information is not the payee, it is determined that the bill has not passed the audit; when it is judged that the bill has the payee and there is no “prohibition of endorsement transfer”, Further determining whether the owner of the account data is a payee, and if the owner of the account data is a payee, determining that the ticket passes the review, and if the owner of the account data is not the payee, then Further analyzing the back image of the ticket to determine whether the ticket has a seal of the payee, and if there is a seal of the payee, determining the ticket Approved, if no seal payee, it is determined that the bill is not approved; and when determining that the bill is not payee when "No endorsement" words, it is determined that the bill approved; and A bill boarding unit for logging in the bill number, payment bank name, invoice date, payment amount, place of payment, payer and payee of each bill passed through the audit. According to the automatic ticket deposit system of claim 3, wherein the processing unit returns the number when the processing unit determines that the count data is different from the quantity data or determines that the aggregated data is different from the total amount data. bill. An execution method of an automatic ticket depositing system, comprising the steps of: receiving, by a receiving unit of a ticket depositing device, an account data; an input unit of the depositing device receiving an amount of money; and receiving, by the depositing unit, a depositing unit An image capture unit of the ticket depositing device obtains a front image and a back image of the ticket; a computing unit of the ticket depositing device analyzes the front image of the ticket to obtain an identification amount of the ticket; a display unit of the ticket depositing device displays the account data and the identification amount data; the input unit of the ticket depositing device receives a confirmation signal; when receiving the confirmation signal, a storage unit of the ticket depositing device stores the account data The front image of the ticket and the back image and the identification amount data; an auditing unit of the financial server receives the stored account data, the front image and the back image of the ticket by a network communication system, And based on the account number The document, the front image of the ticket and the back image perform an auditing process on the ticket, wherein the reviewing process comprises: analyzing the front image of the ticket and the back image, and determining whether the ticket has the word "ticket" and The words “prohibition of endorsement transfer” are analyzed; the positive image of the note is analyzed to determine whether the note has the name of the payment bank, the date of the invoice, the payment amount, the place of payment, the payer and the payee; when it is judged that the note has no “ticket”, payment When the bank name, invoice date, payment amount, place of payment or payer, the bill is judged as failing to pass the audit; 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; When it is judged that the note has the name of the payee and the “transfer of endorsement”, it is further determined whether the owner of the account information is the payee, and if the owner of the account information is the payee, the bill is determined to pass the review. If the owner of the account information is not the payee, it is determined that the ticket has not passed the review; 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, and if the owner of the account information is the payee, the bill is judged to pass the audit if If the owner of the account information is not the payee, the back image of the ticket is further analyzed to determine whether the ticket has the seal of the payee, and if there is a seal of the payee, the ticket is determined to pass the review, if not The seal of the payee, determining that the note has not been approved; When it is judged that the note has no payee and the words "prohibition of endorsement transfer", it is determined that the note has passed the audit; and a note boarding unit of the financial server logs in the bill number, payment bank name, invoice date of the bill that has passed the audit. , payment amount, place of payment, payer and payee. According to the method for executing the automatic ticket depositing system of claim 5, the method further includes: when the auditing unit determines that the ticket has not passed the audit or the input unit receives a canceling signal, the ticketing unit returns the ticket. An execution method of an automatic ticket depositing system, comprising the steps of: receiving, by a receiving unit of a ticket depositing device, an account data; an input unit of the ticket depositing device receiving a total amount of data and a quantity of data; The depositing unit receives a plurality of bills; an image capturing unit of the ticket depositing device obtains a front image and a back image of each of the bills; a calculating unit of the depositing device calculates the number of the bills, and outputs one Counting data; a processing unit of the ticket depositing device analyzes the front image of each of the bills to obtain an amount of identification data for each of the bills; the processing unit of the depositing device sums the identification amount data, and Output one plus total data; a display unit of the ticket depositing device displays the account data, the aggregated data and the count data; the input unit of the ticket depositing device receives a confirmation signal; and after receiving the confirmation signal, a storage unit of the ticket depositing device Storing the account information, the front image of each of the notes, the back image and the identification amount data, and the aggregated data; an auditing unit of the financial server receives the stored account data by using a network communication system, The front image of the bill and the back image, and an auditing procedure for each of the bills according to the account information, the front image of each of the bills, and the back image, wherein the reviewing process includes: analyzing the The front image of the ticket and the back image, and determining whether the ticket has the words "ticket" and "prohibition of endorsement transfer"; analyzing the positive image of the ticket to determine whether the ticket has a payment bank name, an invoice date, a payment amount, Place of payment, payer and payee; when judging that the note has no "ticket", payment bank name, invoice date , Payment amount, payment or payer, determined that the bill is not approved; when it is judged that the bill does not have a payee, and the bill to "prohibit endorsement," the words, determined that the bill is not approved; When it is judged that the note has the name of the payee and the “transfer of endorsement”, it is further determined whether the owner of the account information is the payee, and if the owner of the account information is the payee, the bill is determined to pass the review. If the owner of the account information is not the payee, it is determined that the ticket has not passed the review; when it is judged that the note has the payee and there is no "prohibition of endorsement transfer", it is further determined whether the owner of the account data is If the owner of the account information is the payee, the payee determines that the ticket has passed the review. If the owner of the account information is not the payee, the back image of the ticket is further analyzed to determine the ticket. Whether it has the seal of the payee, if there is a seal of the payee, it is judged that the bill has passed the examination, if there is no seal of the payee, it is determined that the bill has not passed the audit; and when it is judged that the bill has no payee and “prohibited endorsement” When the words "transfer", the bill is judged to pass the audit; and one of the financial server's billing unit is logged in to pass the audited each vote The bill number, the paying bank name, invoice date, payment amount, payment, the payer and the payee. According to the method for executing the automatic ticket deposit system of claim 7, further comprising: the processing unit determining whether the count data is the same as the quantity data; When the count data is different from the quantity data, the ticket deposit unit returns the tickets. According to the method for executing the automatic ticket deposit system of claim 7, the processing unit further determines whether the aggregated data is the same as the total amount of data; and when the aggregated data is different from the total amount of data, The ticketing unit returns the tickets.