TWI709100B - Transaction management system - Google Patents

Abstract

The present disclosure provides a transaction management system including: an ATM; a number card output machine including an image sensor; an electronic device including a display; and a server coupled to the ATM, the number card output machine and the electronic device. The ATM receives a transaction request corresponding to an account at a first time point and the transaction request fails. When the number card output machine outputs a number card corresponding to a number in a predetermined time interval after the first time point, the image sensor captures a face image and transmits the face image to the server. The server determines whether the face image matches a predetermined face image corresponding to the account. When the face image matches the predetermined face image, the server transmits the number and an account information of the account and the transaction request to the electronic device and the display displays the account information and the transaction request.

Description

Transaction Management System

This disclosure relates to a transaction management system, and in particular, to a transaction management system that can speed up subsequent transaction processing procedures after an ATM transaction fails.

The existing Automatic Teller Machine (ATM) can provide bank customers with various transactions. However, when the transaction fails due to the use of an automated teller machine, bank customers often need to go to the bank counter for subsequent transaction processing procedures, which will consume a lot of time.

In view of this, the present disclosure provides a transaction management system that can speed up the subsequent transaction processing flow after an ATM transaction fails.

This disclosure proposes a transaction management system, including: an automatic teller machine; a number plate output machine including an image sensor; an electronic device including a display; and a server coupled to the automatic teller machine, the number plate output machine, and the electronic device. The ATM receives the transaction request of the corresponding account at the first time and the transaction request fails. When the number plate output machine outputs the number plate of the corresponding number within a predetermined time interval after the first time point, the image sensor captures the facial image and transmits the facial image to the server. The server determines whether the facial image matches the default facial image of the corresponding account. When the facial image matches the preset facial image, the server sends the account information and transaction request of the number and the account to the electronic device, and the display displays the account information and the transaction request.

In an embodiment of the present disclosure, when the number plate output machine outputs another number plate after a predetermined time interval after the first time point, the image sensor does not perform the facial image capturing operation.

In an embodiment of the present disclosure, the aforementioned transaction request is a transfer request. When the amount of the transfer request is greater than the upper limit of the transfer amount, the transaction request fails.

In an embodiment of the present disclosure, the aforementioned ATM includes a second image sensor and a fingerprint recognition device. When the transaction request fails, the second image sensor obtains a second facial image and the fingerprint recognition device obtains fingerprint information. When the second facial image matches the preset facial image and the fingerprint information matches the preset fingerprint information of the corresponding account, the server updates the upper limit of the transfer amount to the upper limit of the second transfer amount, where the upper limit of the second transfer amount is greater than the upper limit of the transfer amount.

In an embodiment of the present disclosure, the aforementioned server compares the facial feature data of the facial image and the preset facial image, and when the similarity percentage between the facial image and the preset facial image is greater than a predetermined percentage, The server determines that the facial image matches the preset facial image.

In an embodiment of the present disclosure, the aforementioned account information includes at least account number, name, birthday, and ID number.

In an embodiment of the present disclosure, the above-mentioned image sensor is a photosensitive coupling element image sensor or a complementary metal oxide semiconductor image sensor.

Based on the above, the transaction management system of the present disclosure captures facial images while outputting the number plate on the number plate output machine of the bank counter within a predetermined time interval after the customer uses the ATM to make a transaction request corresponding to the account and the transaction request fails. When the bank server determines that the captured facial image matches the default facial image of the account corresponding to the failed transaction request, it can be determined that the customer who draws the number ticket at this time is the customer who just failed the transaction request using the ATM. Therefore, when the bank counter calls the customer, the bank server can directly transmit the account number and account information of the customer whose transaction request failed to the electronic device at the bank counter for display. In this way, the time for the subsequent transaction processing process after the transaction fails can be greatly shortened.

In order to make the above-mentioned features and advantages of the present disclosure more obvious and understandable, the following specific embodiments are described in detail in conjunction with the accompanying drawings.

Fig. 1 is a block diagram of a transaction management system according to an embodiment of the disclosure.

Please refer to FIG. 1, the transaction management system 100 of an embodiment of the disclosure includes an automatic teller machine 110, a number plate output machine 120, an electronic device 130 and a server 140. The server 140 is coupled to the automatic teller machine 110, the number plate output machine 120 and the electronic device 130. The number plate output machine 120 includes an image sensor 121 for sensing facial images. The image sensor 121 is, for example, a Charge-Coupled Device (CCD) image sensor or a Complementary Metal-Oxide-Semiconductor (CMOS) image sensor. The electronic device 130 is, for example, a computer of a bank clerk and includes a display 131. The server 140 is, for example, a bank server and stores the customer's account number, personal data, transaction data, etc.

In an embodiment, the automated teller machine 110 receives the transaction request corresponding to the account at the first time point and the transaction request fails. When the number plate output machine 120 outputs the number plate corresponding to the number within a predetermined time interval (for example, ten minutes) after the first time point, the image sensor 120 captures the facial image of the person who draws the number plate and changes the face The image is sent to the server 140. The server 140 determines whether the facial image matches the preset facial image of the corresponding account. When the facial image matches the preset facial image, the server 140 transmits the account information of the number and account number and the transaction request to the electronic device 130, and the display 131 displays the account information (for example, account number, name, birthday, ID number, etc.) ) And transaction request. When the number plate output machine 120 outputs another number plate after a predetermined time interval after the first time point, the image sensor 121 does not perform a facial image capturing operation. It is worth noting that the server 140 may compare the facial feature data of the facial image and the preset facial image. When the similarity percentage between the facial image and the preset facial image is greater than a predetermined percentage (for example, 95% ), the server 140 can determine that the facial image matches the preset facial image.

For example, the customer uses the automated teller machine 110 to make a transaction request for the customer account at the first time point and the transaction request fails. The transaction request is, for example, a transfer request and the transaction request fails when the transfer request amount is greater than the upper limit of the transfer amount. The transaction request can also be any other financial transaction request. When the customer uses the ATM 110 to make a transaction request and the transaction request fails, the customer can draw the number plate from the number plate output machine 120 within ten minutes of the failed transaction request to perform the counter processing. The number plate output machine 120 will use the image sensor 121 to capture the face image of the person drawing the number plate within ten minutes after the transaction request fails. When the face image matches the preset face image, the bank can determine that the person who draws the number ticket is the person who failed the transaction request, so the server 140 can transmit the account information and transaction of the account number of the person whose transaction request failed while the clerk calls the number Request to the clerk’s electronic device 130. In this way, the clerk can immediately see the account information of the person whose transaction request failed and the items of the failed transaction request immediately after the number is called, and further quickly handle it. On the other hand, ten minutes after the transaction request fails, the number plate output machine 120 will not perform facial image capturing operations when outputting the number plate, so as to save system resources.

In one embodiment, the automated teller machine 110 includes a second image sensor (not shown in the figure) and a fingerprint recognition device (not shown in the figure). When the transaction request fails, the second image sensor obtains the second facial image and the fingerprint identification device obtains fingerprint information. When the second facial image matches the preset facial image and the fingerprint information matches the preset fingerprint information of the corresponding account, the server 140 updates the upper limit of the transfer amount to the upper limit of the second transfer amount. The upper limit of the second transfer amount is greater than the upper limit of the transfer amount. In other words, when the customer uses the ATM 110 to transfer more than the transfer amount, if the customer passes the facial verification and fingerprint verification, the transfer amount can be directly increased and the transfer transaction can be successfully completed.

To sum up, the transaction management system of the present disclosure captures the face while outputting the number plate at the number plate output machine at the bank counter within a predetermined time interval after the customer uses the ATM to make a transaction request corresponding to the account number and the transaction request fails. image. When the bank server determines that the captured facial image matches the default facial image of the account corresponding to the failed transaction request, it can be determined that the customer who draws the number ticket at this time is the customer who just failed the transaction request using the ATM. Therefore, when the bank counter calls the customer, the bank server can directly transmit the account number and account information of the customer whose transaction request failed to the electronic device at the bank counter for display. In this way, the time for the subsequent transaction processing process after the transaction fails can be greatly shortened.

Although this disclosure has been disclosed in the above embodiments, it is not intended to limit the disclosure. Anyone with ordinary knowledge in the relevant technical field can make some changes and modifications without departing from the spirit and scope of this disclosure. Therefore, The scope of protection of this disclosure shall be subject to those defined by the attached patent scope.

100: Transaction Management System 110: ATM 120: Number plate output machine 121: image sensor 130: electronic device 131: Display 140: server

Fig. 1 is a block diagram of a transaction management system according to an embodiment of the disclosure.

100: Transaction Management System

110: ATM

120: Number plate output machine

121: image sensor

130: electronic device

131: Display

140: server

Claims (7)

A transaction management system, including: An automated teller machine; A number plate output machine, including an image sensor; An electronic device including a display; and A server coupled to the automatic teller machine, the number plate output machine and the electronic device, wherein The automated teller machine receives a transaction request corresponding to an account at a first time point and the transaction request fails; When the number plate output machine outputs a number plate corresponding to a number within a predetermined time interval after the first time point, the image sensor captures a facial image and sends the facial image to the servo Device The server determines whether the facial image matches a preset facial image corresponding to the account; and When the facial image matches the preset facial image, the server transmits the number and an account information of the account to the electronic device, and the display displays the account information and the transaction request. For example, the transaction management system described in item 1 of the scope of patent application, wherein when the number plate output machine outputs another number plate after a predetermined time interval after the first time point, the image sensor does not perform facial Image capture operation. For example, in the transaction management system described in item 1 of the scope of patent application, the transaction request is a transfer request. When the amount of a transfer request is greater than a transfer amount upper limit, the transaction request fails. For example, in the transaction management system described in item 3 of the scope of patent application, the ATM includes a second image sensor and a fingerprint recognition device. When the transaction request fails, the second image sensor obtains a second Facial image and the fingerprint recognition device obtains fingerprint information, when the second facial image matches the preset facial image and the fingerprint information matches a preset fingerprint information corresponding to the account, the server transfers the amount The upper limit is updated to a second upper limit of transfer amount, where the upper limit of the second transfer amount is greater than the upper limit of the transfer amount. For example, the transaction management system described in item 1 of the scope of patent application, wherein the server compares the facial image and the facial feature data of the preset facial image, when the facial image and the preset facial image When the similarity percentage of the image is greater than a predetermined percentage, the server determines that the facial image matches the preset facial image. For example, in the transaction management system described in item 1 of the scope of patent application, the account information includes at least an account number, a name, a birthday, and an ID number. According to the transaction management system described in claim 1, wherein the image sensor is a photosensitive coupling element image sensor or a complementary metal oxide semiconductor image sensor.

Images