TWI688923B - Automatically detect the coded payment machine and its payment machine workflow - Google Patents

Abstract

The invention relates to an automatic detection and coding payment machine and its payment machine workflow. The invention mainly scans the complete bill payment bill and analyzes the various billing comparison barcodes in the paper bill, so as to find out the matching fee data matching the billing ratio code for the user to complete the self-payment procedure. In this way, the user does not need to know the scanning method of various codes, or align the code with the scanner, and simply put the paper bill into the inhaling unit to complete the payment.

Description

Payment machine with automatic detection of payment code and workflow of payment machine

The invention relates to a payment machine, in particular to a payment machine with automatic detection of payment codes and its working process.

According to the press, currently financial institutions are entrusted by public agencies or private enterprises, and the collection and payment channels opened are numerous, but only part of the payers or some taxes are still used to pay at the bank counter, making the most traditional close-to-counter channel The number of collections is still high. In order to effectively reduce manpower requirements and reduce customer queuing time, some financial institutions have set up self-service payment machines in the self-service area of the business base for customers to provide self-service payment services throughout the year.

However, the shortcomings between the United States and China are that the types of barcodes on the paper payment slips are not the same, some are QR codes, some are 1D barcodes, 2D barcodes, etc., or the same type of barcodes, their lengths and positions are also endless The same, because many self-service payment machines are equipped with barcode readers, only payers can hold the paper payment slip to align the barcode with the barcode reader for reading, but if there is more than one barcode on the paper payment slip, or if When you need to read multiple bar codes and there is a sequence, even if a few self-service payment machines have auxiliary instructions or drawings on the screen, however, most of the lack of auxiliary instructions makes the payer still unable to clearly understand how to operate, often requiring bank service staff Auxiliary commentary, it may take more than a few operations to learn the user interface, so this self-service payment machine is difficult to call convenience, causing most customers to still choose to pay by the counter. The following is a more detailed description of the problems faced by the self-service payment machine question:

1. For the payment process, the payer first selects the type of payment, and then continues to the lower level to the determined public agency or private enterprise, but the payment document styles sent to the outside world are considerable, and most payment cannot be selected to determine The government agencies or private enterprises cannot display the correct payment receipt sample for confirmation.

2. Most payment machines are equipped with bar code readers. Only payers can hold the payment documents to align the bar codes with the bar code readers for reading. However, if the payment document has more than one bar code, if you need to read multiple bar codes In addition, when there is a sequence, even if a small number have sample instructions on the screen, and most of them lack auxiliary instructions, it will be difficult to judge the payer.

3. The payment process planning is not intuitive and convenient for the payer. The system should automatically read out the payment unit, tax type, account number (virtual account number), payment period, payment amount, etc. Information, displayed on the screen for the payer to choose to confirm.

In this regard, the inventor believes that there should be a means to solve the aforementioned problems, and he begins to think about the solution.

In view of the deficiencies described in the previous description, the inventor proposes a solution, which relates to a payment machine that automatically detects the payment code, including: a payment machine body.

A display unit: the display unit is located on the front side of the payment machine body.

An inhalation unit: the inhalation unit is provided on the machine body, and the inhalation unit has an inhalation port provided on the front side of the toll machine body, and the inhalation port can be used to inhale a paper bill.

A scanning unit: the scanning unit is located in the suction unit, and the scanning unit can scan the paper payment slip to obtain a payment comparison code.

A processing unit: the processing unit is installed in the payment machine body and is connected to the scanning unit and the display unit through information, and the processing unit can be connected to a charging unit for information, and the charging unit can provide services or goods to individuals, Or, due to personal tax obligations, a payable fee data is generated, and the payable fee data corresponds to a payable code; the processing unit writes a first payment slip identification program, which can be executed by the processing unit: Find the chargeable fee data matching the charge code and the charge comparison code in the charging unit, and drive the display unit to display the payable fee data.

Through the present invention, the following advantages can be achieved:

1. Users do not need to select tax categories, tax categories, or even single order units from top to bottom, and only after reading the correct barcode, can they confirm whether it is a paper payment note that can be collected. The invention can automatically judge and confirm.

2. The user does not need to enter the tax category, tax category, or even the single bill unit, etc., the present invention will automatically interpret the content of the paper payment bill, and display through the display unit (2): sincere Information such as the issuing unit, tax type, account number (virtual account number), payment period, payment amount, etc., is provided to provide users with caring services.

3. The user does not need to judge which bar code or bar codes (and their sequence) are to be directed to the bar code detector, but only needs to put the paper payment slip into the inhalation unit (3). It will automatically parse out all barcode information, so as to avoid the problems described in the previous technology, and greatly improve the convenience of users to pay.

In view of the relevant provisions of the same invention in a broad sense, the inventor further proposes a workflow for a payment machine that automatically detects payment codes, including:

(1) Send the paper payment slip into an inhalation unit;

(2) A scanning unit scans the paper payment slip to obtain a payment comparison code

(3) A processing unit in a charging unit that can provide services or commodities to individuals or generate payable data due to personal tax obligations, find the payable data with a payment code that matches the payment comparison code ;

(4) The processing unit drives the display unit to display the payable data.

The advantages and features brought by the above-mentioned methods have been described in the content of the payment machine that automatically detects the payment code, so it will not be repeated here.

(A): Charge unit

(B): Cloud reporting system

(C): Manual customer service unit

(S01~S11): Step

(1): Payment machine body

(2): Display unit

(3): Inhalation unit

(4): Scanning unit

(5): Picture database

(5A): fraud database

(6): Processing unit

(61): The first bill identification program

(62): Second bill identification program

(63): The first alarm program

(64): Second alarm program

(65): facial feature detection program

(66): Fraud prevention program

(7): Money collection unit

(8): Vibration sensor

(9): Video recorder

(0): Customer service call button

(01): Contact unit

The first figure is the schematic diagram of the connection of the components

The second figure is a flowchart of the method of the present invention

The following descriptions are aided by the drawings, so that your judge can understand the advantages, features, and implementation of the case. The present invention relates to a payment machine that automatically detects payment codes, including: A toll payment machine body (1): Please refer to the first figure, the toll payment machine body (1) can provide user payment function.

A display unit (2): Please refer to the first figure. The display unit (2) is located on the front side of the payment machine body (1) for displaying various payment information or explanation information.

An inhalation unit (3): please refer to the first figure, the inhalation unit (3) is provided in the payment machine body (1), and the inhalation unit (3) has a body in the payment machine (1) ) The suction port on the front side, which can be used to suck and spit a paper bill.

A scanning unit (4): please refer to the first figure, the scanning unit (4) is located in the suction unit (3), the scanning unit (4) can scan the paper payment slip, and get a Payment comparison code. In addition, in order to facilitate the scanning operation, the scanning unit (4) is preferably implemented as follows: the scanning unit (4) information is connected to a picture database (5), the scanning unit (4) can scan the paper payment Obtain a payment bill picture file, and store the payment bill picture file in the picture database (5). In addition, the codes referred to in this manual include: 1D barcodes, 2D barcodes, and 1D barcodes include: Code 39 barcodes, EAN 13 barcodes, etc., and 2D barcodes include: QR Code, PDF 417 barcodes, etc. . All codes used in paper payment slips are within the scope of this manual.

First of all, the operation of the scanning unit (4) will be described in detail. When the customer places the paper payment slip in the suction unit (3), the scanning unit (4) will complete the paper payment unit. Scan and make a picture file, and get the payment bill picture file, and it will be stored in the picture database (5) at the same time, so as to facilitate the subsequent code analysis and interpretation. In the process of encoding analysis and interpretation, when there is only one kind of encoding information in the paper payment slip, it is processed according to this kind of encoding, and when there are plural kinds of encodings, it is in accordance with one-stage barcode and two-stage barcode , The priority of three-segment barcode and QR Code barcode for code analysis, for example, the three-segment barcode is analyzed first, the analysis is not Go to the three-segment barcode, and then analyze the QR Code…, and get the payment comparison code after the analysis is completed.

A processing unit (6): Please refer to the first figure, the processing unit (6) is set in the payment machine body (1) and the information is connected to the scanning unit (4) and the display unit (2), The processing unit (6) can be connected to a charging unit (A) for information, and the charging unit (A) can provide services or commodities to individuals, or generate a chargeable fee data due to personal tax obligations, and the payable The fee data corresponds to a payment code; the processing unit (6) writes a first payment slip identification program (61), and the first payment slip identification program (61) can be executed by the processing unit (6): in the charging unit ( A) Find the payable data matching the payment code and the payment comparison code, and drive the display unit (2) to display the payable data. Among them, it is worth mentioning that the fee payable data includes the following information: the name of the sending unit, the name of the tax category, the write-off number (virtual account number), the payment period, the payment amount, etc.

Please refer to the first figure and the second figure. When the present invention is in operation, as shown in step S01, the user first puts the hand-held paper payment slip into the inhalation unit (3), and the inhalation unit (3) inhales the After the paper payment slip, proceed to step S02, the scanning unit (4) will start to scan the paper payment slip from beginning to end, and obtain any code contained in the paper payment slip, taking this embodiment as an example Finally, the payment comparison code is obtained. Then, in step S03, the processing unit (6) searches for the charging unit (A) based on the payment comparison code. Generally speaking, the charging unit (A) The quantity is more than one, and this specification first takes the quantity of the charging unit (A) as one to explain. During the search process, the payment comparison code and the payment code will be compared one by one until the matching fee information is obtained when the two form a match, and finally the payment fee information is presented on the display unit (2) (S04), In order for the user to pay through the payment machine body (1) later.

Therefore, the following advantages can be achieved through the present invention:

1. Users do not need to select tax categories, tax categories, or even single order units from top to bottom, and only after reading the correct barcode, can they confirm whether it is a paper payment note that can be collected. The invention can automatically judge and confirm.

2. The user does not need to enter the tax category, tax category, or even the single bill unit, etc., the present invention will automatically interpret the content of the paper payment bill, and display through the display unit (2): sincere Information such as the issuing unit, tax type, account number (virtual account number), payment period, payment amount, etc., is provided to provide users with caring services.

3. The user does not need to judge which bar code or bar codes (and their sequence) are to be directed to the bar code detector, but only needs to put the paper payment slip into the inhalation unit (3). It will automatically parse out all barcode information, so as to avoid the problems described in the previous technology, and greatly improve the convenience of users to pay.

Then, when the present invention is implemented, the scanning unit (4) may interpret the two different payment comparison codes. In order to prevent users from making payment errors, the present invention may be implemented as follows: the charging unit (A) includes a The first payable data corresponding to the first payment code and the second payable data corresponding to the second payment code; the processing unit (6) writes a second payment slip identification program (62), the second payment The single identification program (62) can be executed by the processing unit (6): when the scanning result of the scanning unit (4) obtains two different first payment comparison codes and a second payment comparison code, then: In the charging unit (A), find the first payable fee information that matches the first payment code and the first payment comparison code, and the second payment code that matches the second payment comparison code Two payable fee data, and drive the display unit (2) to display the first payable fee data and the first payable fee data for the user to select.

Please refer to the second and first figures, as in step S05, the remaining steps have been The detailed description is omitted. When the scanning unit (4) reads out the two different payment comparison codes, the processing unit (6) will still find the matching first payable data and the second payable data, and Presented on the display unit (2) (S06). After the user selects the correct chargeable data, he then proceeds to pay through the payment machine body (1). Therefore, the problem of payment errors can be reduced by this embodiment.

Possible problems in the payment process In addition to the above, a set of the payment comparison codes may be found through matching to find two pieces of payment data. Similarly, to avoid payment errors, the present invention may be further implemented as: The charging unit (A) includes a third payable fee data corresponding to the third payable code and a fourth payable fee data corresponding to the fourth payable code; the first pay slip identification program (61) is available for this process The unit (6) further executes: when the first payment code is the same as the second payment code, and the first payment code matches the payment comparison code, the display unit (2) is driven to display the third The payable data and the fourth payable data are for users to choose.

Please refer to the second figure and the first figure. As in step S07, the remaining steps are omitted because they have already been described in detail. When the processing unit (6) searches for the payable data, only one payment matching code occurs, but two different payable data are found. Similarly, in order to avoid payment errors, the The display unit (2) will still present the third payable fee data and the fourth payable fee data to the user for selection (S06). After the user selects, the payment machine body (1) Carry out payment, you can complete the self-service payment function.

In addition, in order to prevent the unscrupulous person from maliciously using forged currency for payment, the invention can also be implemented as follows: the payment machine body (1) is provided with a money collection unit (7), and the money collection unit (7) is available for collection of payment Currency and currency authenticity identification, the processing unit (6) information is connected to the money collection unit (7), and the processing unit (6) is available for information to connect to a cloud reporting system (B), and the processing unit (6) Written with A first alarm program (61), which can be executed by the processing unit (6): when the amount of counterfeit currency is recognized within a preset time and reaches a preset value, a first alarm program is sent Alarm information to the cloud reporting system (B).

Please refer to the second picture and the first picture, when the step is executed to S08, the user will start to put money into the money collection unit (7) for payment, then, the money collection unit (7) will start To check whether there is counterfeit currency, the inspection process may be that when the counterfeit currency is detected, the counterfeit currency is confiscated, or the counterfeit currency is returned. Or when the counterfeit currency is received continuously for a period of time, or more counterfeit currency appears in a single transaction than the preset value, it means that the user may be a habitual offender or a member of a group crime, which is valid To maintain law and order and suppress crime, at this time, the processing unit (6) will send a first alarm message to the cloud reporting system (B) to urgently notify the police to attend the scene (S10). It is worth mentioning that the first alarm information preferably includes: the location of the incident, the type of case (such as the use of counterfeit currency).

In addition, in order to prevent unscrupulous people from damaging the present invention, the purpose of stealing property has been achieved, and the present invention can be further implemented as follows: the payment machine body (1) is provided with a vibration sensor (8), the vibration sensor (8) It can be used to sense the vibration status of the payment machine body (1). When a vibration preset value is exceeded, a vibration signal is sent out; the information of the processing unit (6) is connected to the vibration sensor (8) , The processing unit (6) writes a second alarm program (64), which can be executed by the processing unit (6): when receiving the vibration signal, it sends a second alarm message To the cloud reporting system (B).

Please refer to the first picture, when someone intentionally destroys the payment machine with an external force or an item, due to the vibration during the destruction, at this time, after the vibration sensor (8) senses it, the processing unit (6) The second alarm information will be sent to the cloud reporting system (B). It is worth mentioning that the second alarm information can include: the location of the incident, the type of case (such as damage to the machine), etc. News.

In addition, in order to improve public security and improve the detection rate, the present invention can be further implemented as follows: a video recorder (9) is provided on the outside of the payment machine body (1), and the video recorder (9) can be used for recording to obtain a recording data ; The processing unit (6) information is connected to the video recorder (9), and a wanted facial features database, the processing unit (6) writes a facial feature detection program (65), the facial feature detection The program (65) can be executed by the processing unit (6): detect the facial features of the person in the recorded data to obtain a facial feature detection data, and apply the facial feature detection data to the wanted facial features The database is compared, and when a match is formed, a third alarm message is sent to the cloud reporting system (B).

Please refer to the first figure, the invention will record at any time, and at the same time detect the facial features of the user, once the wanted person is compared, immediately send a third alarm message to the cloud reporting system (B) , Eli police went to arrest the prisoner. Among them, it is worth mentioning that the third alarm information may include: address, prisoner name and other data.

Because there have been fraud incidents of payment bills, in order to effectively prevent the occurrence of similar incidents, the present invention can be implemented as follows: wherein the information of the processing unit (6) is connected to a fraud database (5A), and the fraud database (5A) includes a fraud Account data; the processing unit (6) writes a fraud prevention program (66), which can be executed by the processing unit (6): when the payment code matches the payment comparison code Obtain a charging unit account data, compare the charging unit account data in the fraud database (5A), and when the charging unit account data matches the fraud account data, control the display unit (2) to display A scam reminder information.

Please refer to the second figure and the first figure, the processing unit (6) will also get the account information of the charging unit when it finds the payable information, at this time, the processing unit (6) will be based on the charging Unit account data to search, once matching the same fraud account information, then The fraud reminder information will be issued urgently to remind the user to pay attention (S11).

To take over the above embodiments, in order to effectively curb crime, the present invention will directly notify the police when the aforesaid state occurs. The implementation mode is: the processing unit (6) can provide information to connect to the cloud reporting system (B), and the processing A third alarm program (67) is written in the unit (6), and the third alarm program (67) can be executed by the processing unit (6): when the display unit (2) displays a fraud reminder message, it also sends a fourth Alarm information to the cloud reporting system (B).

Secondly, as shown in step S11 of the second figure, the present invention will synchronously send the fourth alarm information to the cloud reporting system (B) to facilitate the police to take corresponding measures to stop the crime in time. In addition, it is worth mentioning that the fourth alarm information system may include: address, the fraudulent account, the payment receipt picture file and other information.

Because the present invention is quite different from the conventional payment machine, in order to avoid that the user is still not used to the related operations, or the user who uses the payment machine for the first time does not understand how to operate, the invention can provide online guidance assistance through manual customer service The operation is implemented as follows: the payment machine body (1) is provided with a customer service call button (0) and a contact unit (01); the processing unit (6) information is connected to the customer service call button (0), and the The processing unit (6) can provide information to connect to the manual customer service unit (C). When the customer service call button (0) is pressed, the processing unit (6) controls the manual customer service unit (C) and the contact unit ( 01) Form an information connection.

Second, please refer to the first picture, as long as the user encounters any problems during the operation, they can press the customer service call button (0), then, the processing unit (6) will control the manual customer service unit (C) forming an information connection with the contact unit (01), so that the user can contact the manual customer service in the manual customer service unit (C) through the contact unit (01), so as to guide the operation method of the present invention online, Or other problems.

Based on the relevant provisions of the same invention in a broad sense, this specification also proposes a workflow for a payment machine that automatically detects payment codes, including the following steps:

(1) Send the paper payment slip into an inhalation unit;

(2) A scanning unit scans the paper payment slip to obtain a payment comparison code

(3) A processing unit in a charging unit that can provide services or commodities to individuals or generate payable data due to personal tax obligations, find the payable data with a payment code that matches the payment comparison code ;

(4) The processing unit drives the display unit to display the payable data.

The detailed description, features, advantages, and implementation of the above mobile customer service operation method have been described in the payment machine that automatically detects the payment code, and will not be repeated here.

In the process of scanning detection in the present invention, two sets of different payment comparison codes may be found. To avoid payment errors, the present invention may be further implemented as follows: wherein step (2) is to obtain two different payment comparison codes ; In step (3), the processing unit finds two matching payment data for the two different payment comparison codes; in step (4), the processing unit drives the display unit to display the second payment data for the user select.

Similarly, due to the relevant introduction and description of the above embodiment, the payment machine that automatically detects the payment code has been described quite well, so it will not be repeated here.

In addition to the aforementioned embodiment, a paper payment slip scans out two payment comparison codes and finds the situation of two payable data. It may also happen that a paper payment slip scans out a payment comparison code and finds two The status of the payable data is also to avoid the user's payment error, and the present invention can be further implemented as follows: In step (3), the processing unit finds a payment comparison code Go to the matching fee payable data; in step (4), the processing unit drives the display unit to display the second payable fee data for the user to select.

Similarly, due to the relevant introduction and description of the above embodiment, the payment machine that automatically detects the payment code has been described quite well, so it will not be repeated here.

In summary, this case complies with the requirements stipulated in the Patent Law, and the patent application is filed in accordance with the law. The above description only lists the preferred embodiments of the new model, and the scope of rights in this case is still mainly listed in the claims.

(A): Charge unit

(B): Cloud reporting system

(C): Manual customer service unit

(1): Payment machine body

(2): Display unit

(3): Inhalation unit

(4): Scanning unit

(5): Picture database

(5A): fraud database

(6): Processing unit

(61): The first bill identification program

(62): Second bill identification program

(63): The first alarm program

(64): Second alarm program

(65): facial feature detection program

(66): Fraud prevention program

(7): Money collection unit

(8): Vibration sensor

(9): Video recorder

(0): Customer service call button

(01): Contact unit

Claims (10)

A payment machine that automatically detects payment codes includes: a payment machine body: equipped with a money collection unit; a display unit: provided on the front side of the payment machine body; and an inhalation unit: provided on the payment machine body, And the suction unit has a suction port provided on the front side of the payment machine body, the suction port can be used to suction and spit a paper payment slip; a scanning unit: located in the suction unit, the scanning unit can be used from beginning to end Scan the paper payment slip to get a payment comparison code; a processing unit: it is located in the payment machine body and is connected to the scanning unit and the display unit, and the processing unit can be used for information connection to a charging unit, The charging unit can provide services or commodities to individuals, or generate a payable fee data due to personal tax obligations, and the payable fee data corresponds to a payment code; the processing unit writes a first payment slip identification program, the first A payment slip identification program can be executed by the processing unit: find out the payment fee data matching the payment code and the payment comparison code in the charging unit, and drive the display unit to display the payment fee data. A payment machine that automatically detects payment codes as described in item 1 of the patent application scope, wherein the charging unit includes a first payable fee information corresponding to the first payment code, and a second payable corresponding to the second payment code Fee data; the processing unit writes a second bill identification program, which can be executed by the processing unit: when the scanning result of the scanning unit obtains two different first bill comparison codes, and a When the second payment comparison code, the first payment information matching the first payment code and the first payment comparison code, and the second payment code and the second payment are found in the charging unit The second payable fee data matching the matching code is driven, and the display unit is driven to display the first payable fee data and the first payable fee data for the user to select. The payment machine that automatically detects the payment code as described in item 2 of the patent application scope, wherein the charging unit includes a third payable fee information corresponding to the third payment code, and a fourth payable corresponding to the fourth payment code Payment data; the first payment slip identification program can be further executed by the processing unit: when the first payment code is the same as the second payment code, and the first payment code matches the payment comparison code, then The display unit is driven to simultaneously display the third payable fee data and the fourth payable fee data for the user to select. The payment machine that automatically detects the payment code as described in any one of the items 1 to 3 of the patent application scope, wherein the money collection unit can be used to collect payment currency and identify currency authenticity, and the processing unit information is connected to the money collection unit , And the processing unit can be used for information connection to a cloud reporting system, and the processing unit writes a first alarm program, the first alarm program can be executed by the processing unit: when the number of counterfeit currency is identified as one within a preset time At the default value, a first alarm message is sent to the cloud reporting system. As described in Item 4 of the patent application, the payment machine that automatically detects the payment code, wherein the payment machine is provided with a vibration sensor in the body, the vibration sensor can be used to sense the vibration status of the payment machine body, When a vibration preset value is exceeded, a vibration signal is sent out; the processing unit information is connected to the vibration sensor, and the processing unit writes a second alarm program which can be executed by the processing unit: when receiving When the vibration signal is reached, a second alarm message is sent to the cloud reporting system. A payment machine that automatically detects payment codes as described in item 5 of the patent application scope, wherein a video recorder is provided on the outside of the payment machine body, and the video recorder can be used for recording to obtain a recording data; the processing unit information is connected to the A video recorder and a database of facial features of wanted criminals. The processing unit writes a facial feature detection program. The facial feature detection program can be executed by the processing unit: detection A facial feature detection data is obtained from the facial features of the person in the video data, and the facial feature detection data is compared with the wanted criminal facial feature database, and a third alarm is sent when a match is formed Information to the cloud reporting system. A payment machine that automatically detects payment codes as described in item 5 of the patent application scope, wherein the scanning unit information is connected to a picture database, and the scanning unit can scan the paper payment slip to obtain a payment slip image file, and Save the payment receipt picture file in the picture database. A payment machine working process that automatically detects payment codes includes: (1) sending paper payment slips into an inhalation unit; (2) a scanning unit scanning the paper payment slips to obtain a payment comparison code (3 ) A processing unit in a charging unit that can separately provide services or commodities to individuals, or generate payable data due to personal tax obligations, finds payable data with a payment code that matches the payment comparison code; ( 4) The processing unit drives the display unit to display the payable data. As shown in item 8 of the patent application scope, the workflow of the payment machine that automatically detects the payment code, wherein step (2) is to obtain two different payment comparison codes; in step (3), the processing unit is directed to the two different payment The matching code finds two matching payable data; in step (4), the processing unit drives the display unit to display the second payable data for the user to select. As shown in item 8 of the patent application scope, the workflow of the payment machine that automatically detects the payment code, in step (3), the processing unit finds two matching payment data based on a payment comparison code; step (4) The processing unit drives the display unit to display two payable fee data for the user to select.

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