TWI753243B - Shared automation equipment cash deposit and withdrawal service system - Google Patents

Abstract

A shared automation equipment cash deposit and withdrawal service system includes a block chain, a system host, a plurality of bank terminal and a plurality of financial device. The system host, the bank terminal and the financial device are connected to the block chain. The system includes a mobile application, the mobile application is configured to input a biological characteristics information and an accounting information. The bank terminal receives the biological characteristics information and the accounting information. The bank terminal produces an encrypted barcode after compares biological characteristics information and the accounting information with data inside the bank. The encrypted barcode is transmitted to the mobile application. The financial device reads the encrypted barcode and produces an encrypted deposit information. The encrypted deposit information is transmitted to the bank terminal, and the bank terminal decrypt the encrypted deposit information. If the bank terminal cannot decrypt the encrypted deposit information, the bank terminal would not do anything.

Description

Shared automatic equipment cash deposit and withdrawal service system

A service system, particularly a cash deposit and withdrawal service system for shared automation equipment.

Deposits and withdrawals are the most basic service items of banking units. In order to facilitate customer deposits and withdrawals and reduce the burden on tellers, banking units will set up ATMs to provide deposit and withdrawal services. Among them, the withdrawal service through financial cards is quite mature, and it also provides inter-bank withdrawal services. And in recent years, cardless withdrawal methods have also been developed, but cardless withdrawals cannot be withdrawn across banks.

Deposits have only been implemented on ATMs in recent years, but the deposit function is currently limited to a single bank service. That is to say, deposits cannot be used for inter-bank services like withdrawals using financial cards. Customers cannot realize inter-bank deposits through ATMs. Go to the ATM of the bank where the account belongs.

Therefore, how to realize the inter-bank deposit function on the ATM is worthy of consideration by those with ordinary knowledge in the art.

The invention provides a cash deposit and withdrawal service system for shared automation equipment, which connects various banks and financial equipment in a block chain encryption manner to achieve the function of inter-bank deposit.

The present invention provides a cash deposit and withdrawal service system for shared automation equipment, which includes a block chain, a system host, multiple bank terminals and multiple financial devices. The system host includes a system node and an action application program. System nodes are connected to this blockchain. The mobile application is adapted to input a biometric information and a billing information and transmit the biometric information and the billing information to the blockchain via the system node. The bank end includes a bank node, an account server and an identification module. Bank nodes are connected to this blockchain. The billing server stores multiple pieces of identifying information. The identification module receives and identifies the biometric information from the blockchain, obtains the identification information after identifying the biometric information, and compares the identification information with the identification information in the accounting server. If the comparison is successful, a An encrypted barcode, the encrypted barcode includes the accounting information, and the encrypted barcode will be transmitted to the mobile application of the system host via the blockchain. The financial device includes a device node connected to the blockchain. Wherein, the mobile application obtains the encrypted barcode from the blockchain, the financial device obtains the accounting information by scanning the encrypted barcode, and activates the deposit function. The financial device generates encrypted deposit information after receiving the cash, and the encrypted deposit information and the encrypted barcode are transmitted to the blockchain through the device node. The bank terminal obtains the encrypted deposit information and the encrypted barcode from the blockchain. If the bank terminal successfully decrypts the encrypted deposit information and the encrypted barcode, it will be deposited into the accounting server. If the bank terminal cannot decrypt the encrypted deposit information and the encrypted barcode The encrypted deposit information and the encrypted barcode have no action.

In the above-mentioned shared automatic equipment cash deposit and withdrawal service system, the financial device is an automatic teller machine.

In the above-mentioned shared automatic equipment cash deposit and withdrawal service system, all bank-side devices will receive the encrypted deposit information and the encrypted barcode from the block link.

In the above-mentioned shared automated equipment cash deposit and withdrawal service system, the biometric information is a fingerprint or a facial feature.

In the above-mentioned shared automated equipment cash deposit and withdrawal service system, each of the bank terminals further includes a public key and a private key, the encrypted barcode also includes the public key, and the financial device generates the encrypted deposit information from the public key , the bank uses the private key to decrypt the encrypted deposit information.

100: Shared automated equipment cash deposit and withdrawal service system

101: Blockchain

110: System host

111: Mobile Apps

112: system node

120, 120A, 120B, 120C: Financial Devices

121: Device Node

130, 130A, 130B, 130C: Bank side

131: Identify the module

132:Accounting Server

133: Bank Node

FIG. 1 is a system architecture diagram of a cash deposit and withdrawal service system for shared automation equipment according to the present invention.

FIG. 2 is a schematic diagram of inter-bank deposit.

The present invention provides a cash deposit and withdrawal service system for shared automation equipment, which connects each bank server and an automatic teller machine in a block chain mode to realize the function of inter-bank deposit.

Please refer to FIG. 1 . FIG. 1 is a system architecture diagram of a cash deposit and withdrawal service system for shared automation equipment according to the present invention. The shared automated equipment cash deposit and withdrawal service system 100 includes a blockchain 101 , a system host 110 , a plurality of financial devices 120 and a plurality of bank terminals 130 . The blockchain 101 is a section formed by the system host 110 , the financial device 120 and the bank 130 connected to each other, so the system host 110 , the financial device 120 and the bank 130 can transmit or receive information to each other in the blockchain 101 .

The system host 110 is a host responsible for managing clients. The system host 110 includes a mobile application 111 and a system node 112 . The system host 110 is connected to the blockchain 101 via the system node 112 . The mobile application 111 is an APP application installed on a user device, in this embodiment, the user device is, for example, a smart phone. And the mobile application 111 is suitable for inputting a biometric information and an accounting information, such as a fingerprint or a facial feature, that is, the biometric information can be inputted through a fingerprint sensor or a camera lens on the user's device. Accounting information includes information such as deposits, withdrawals, amount, bank and account number. The biometric information and accounting information input by the user can be transmitted to the blockchain 101 via the system node 112 .

The financial device 120 is an automatic teller machine installed in various places, and each financial device corresponds to the bank terminal 130 , that is, the automatic teller machine has its own bank. The financial device 120 further includes a device node 121 , and the financial device 120 is connected to the blockchain 101 via the node device 121 . In one embodiment, the financial device 120 is further equipped with an infrared scanning device or a camera lens, which can scan barcodes.

The bank end 130 is a different bank unit. The bank end includes an identification module 131 , an account server 132 and a bank node 133 . The bank terminal 130 is connected to the blockchain 101 via the bank node 133 . The account server 132 is a server for the bank unit to process accounts. The account server 132 stores a plurality of pieces of identification information and account information, wherein the identification information is, for example, the ID number of the depositor.

The identification module 131 receives biometric information and accounting information from the blockchain 101 , and the identification module 131 further includes a biometric database, where the biometric information and corresponding identification information are stored. Therefore, the identification module 131 identifies the received biometric information, and obtains the corresponding identification information through the data in the biometric database.

The identification module 131 obtains the identification information after identifying the biometric information. At this time, the identification module 131 compares the identification information obtained after identifying the biometric information with the identification information in the billing server 132 . Confirm that the customer who provides the biometric information is the customer of the bank terminal 130 . Further, the identification module 131 also compares the account information provided by the system host 110 with the account information in the account server 132 to further confirm the identity of the customer. When the identification module 131 successfully compares, an encrypted barcode, such as a QR CODE, will be generated, and the encrypted barcode includes accounting data, and the encrypted barcode will be transmitted to the system host via the blockchain 101 110. Mobile application 111.

The encrypted barcode received by the mobile application 111 indicates that the biometric information and accounting information entered by the user have been authenticated by the bank 130 . The mobile application 111 can display the encrypted barcode on the user device and allow the financial device 120 to scan and read the barcode. The financial device 120 scans the encrypted barcode to obtain the accounting information therein, and activates the deposit function to allow the user to deposit cash.

When the financial device 120 receives cash, it generates encrypted deposit information, and the encrypted deposit information includes information such as the deposit amount, and the encrypted deposit information and the encrypted barcode are transmitted to the blockchain 101 through the device node 121 . The bank node 133 of the bank end 130 in the blockchain 101 can receive the encrypted deposit information and the encrypted barcode. When the bank terminal 130 receives the encrypted deposit information and the encrypted barcode, it will decrypt it. Since the encrypted barcode is Sent by a specific bank terminal 130, other bank terminals 130 cannot decrypt the encrypted barcode and encrypted deposit information.

Therefore, when the bank terminal 130 receives the encrypted deposit information and the encrypted barcode, if the encrypted deposit information and the encrypted barcode cannot be decrypted, the bank terminal 130 does not act. Conversely, if the bank terminal 130 decrypts the encrypted deposit information and the encrypted barcode, the data in the encrypted deposit information can be stored in the accounting server 132 to complete the deposit. In other words, even if the bank end 130 is not the bank of the financial device 120, the bank end 130 obtains decryptable encrypted deposit information and encrypted barcodes from the financial device 120 via the blockchain 101, and the deposit can be completed and the inter-bank deposit can be realized.

Please refer to FIG. 2 , which is a schematic diagram of inter-bank deposit. Among them, in FIG. 2 , there are two blockchains 101 , which are drawn as two for the convenience of description, and in fact, the two are the same elements. In the embodiment of FIG. 2 , the bank to which the financial device 120A belongs is the bank end 130A; the bank to which the financial device 120B belongs is the bank end 130B; the bank to which the financial device 120C belongs is the bank end 130C. The user inputs the biometric information and accounting information from the mobile application 111, and the bank 130C performs verification through the blockchain 101 (comparison of biometrics and identification information). After verification, the mobile application 111 obtains the encrypted barcode from the bank terminal 130C.

After that, the user provides the encrypted barcode to the financial device 120B for scanning and reading. The financial device 120B scans the encrypted barcode and turns on the deposit mode (eg, opens the cash register), allowing the user to put in cash. After the financial device 120B receives the cash, it transmits the encrypted deposit information and the encrypted barcode to the blockchain 101 . At this time, the bank terminals 130A, 130B, and 130C can all receive the encrypted deposit information and the encrypted barcode, but the encrypted barcode is generated by the bank terminal 130C, so the bank terminals 130A and 130B cannot decrypt the encrypted deposit information and encrypted barcode. Therefore, the bank terminal 130A cannot decrypt the encrypted deposit information and encrypted barcode. There will be no action with 130B. The bank terminal 130C successfully decrypts the encrypted deposit information and the encrypted barcode, and then stores the deposit information into the accounting server 132 (deposit entry). Therefore, the user uses the financial device 120B of the bank end 130B to deposit money to the bank end 130C to achieve the effect of inter-bank deposit.

Please continue to refer to FIG. 1 , in one embodiment, the cash deposit and withdrawal service system for shared automation equipment of the present invention can also provide a withdrawal service. The user is suitable for inputting biometric information and accounting information in the mobile application 111 , wherein the accounting information includes information related to withdrawal, such as bank, account, amount and other information. The bank terminal 130 receives and verifies the biometric information and the accounting information (comparison of biometrics and identification information), and provides the encrypted barcode including the withdrawal information to the mobile application 111 .

After the financial device 120 scans the encrypted barcode, the withdrawal mode is activated, and the cash corresponding to the amount is dispensed. After the banknote dispensing is completed, the financial device 120 generates an encrypted withdrawal information, and transmits the encrypted withdrawal information and the encrypted barcode to the bank terminal 130 via the blockchain 101 . If the bank terminal 130 can decrypt the encrypted withdrawal information and the encrypted barcode, and store the withdrawal information into the accounting server 132, the amount in the corresponding account is deducted, and the withdrawal operation is completed.

In one embodiment, each bank terminal 130 has a set of its own public key and private key, and the message or packet encrypted by the public key needs to be decrypted by the private key. When the bank terminal 130 receives the biometric information and the accounting information via the blockchain 101, generates an encrypted barcode after verification, and transmits the encrypted barcode based mobile application 111, the public key is included in the encrypted barcode. When the financial device 120 reads the encrypted barcode, it uses the public key to generate encrypted deposit information or encrypted deposit information. When the encrypted deposit information or encrypted deposit information is uploaded to each bank terminal 130, it can be decrypted by the bank terminal 130 having the corresponding private key to complete the deposit or withdrawal operation.

The cash deposit and withdrawal service system 100 for shared automation equipment of the present invention connects different bank terminals 130 and financial devices 120 in a decentralized manner through the blockchain 101, and provides user verification through the system host 112 and the mobile application 111 to The barcode method enables the deposit and withdrawal function in the financial device 120 . The financial device 120 sends encrypted messages to a plurality of bank terminals 130 to confirm the transaction, and the decryptable bank terminal 130 receives the message and records the transaction to complete the transaction. In this way, the effect of inter-bank deposit and withdrawal is achieved. And the connection method of the blockchain 101 can also provide sufficient security.

The description of the present invention is as above, but it is not intended to limit the scope of the patent rights claimed by this creation. The scope of patent protection shall depend on the scope of the appended patent application and its equivalent fields. Where there is common knowledge in the art Those who know, without departing from the spirit or scope of this patent, make changes or modifications, all belong to the equivalent changes or designs completed under the spirit disclosed in this creation, and should be included in the following patent application scope.

100: Shared automated equipment cash deposit and withdrawal service system

101: Blockchain

110: System host

111: Mobile Apps

112: system node

120: Financial Devices

121: Device Node

130: Bank side

131: Identify the module

132:Accounting Server

133: Bank Node

Claims (5)

A cash deposit and withdrawal service system for shared automation equipment, comprising: a block chain; a system host, including: a system node connected to the block chain; and a mobile application program suitable for inputting a biometric information and a accounting information, and transmit the biometric information and the accounting information to the blockchain through the system node; a plurality of bank terminals, including: a bank node connected to the blockchain; an accounting server, storing multiple pieces of identification information; and an identification module for receiving and identifying the biometric information from the blockchain, obtaining the identification information after identifying the biometric information, and communicating with the identification in the billing server The identification information is compared, and if the comparison is successful, an encrypted barcode is generated, the encrypted barcode includes the accounting information, and the encrypted barcode will be transmitted to the mobile application of the system host through the blockchain; and a plurality of financial devices, including a device node connected to the blockchain; wherein the mobile application obtains the encrypted barcode from the blockchain, the financial device obtains the accounting information by scanning the encrypted barcode, and activates a deposit function; wherein , the financial device generates an encrypted deposit information after receiving the cash, and the encrypted deposit information and the encrypted barcode are transmitted to the block chain through the device node; wherein, the bank terminal obtains the encrypted deposit information and the block chain from the block chain. Encrypted barcode, if the bank side successfully decrypts the encrypted deposit information and the encrypted barcode, it will be stored in the account server. If the bank cannot decrypt the encrypted deposit information and the encrypted barcode, no action will be taken. The cash deposit and withdrawal service system for shared automated equipment as described in item 1 of the scope of the application, wherein the financial device is an automatic teller machine. According to the cash deposit and withdrawal service system for shared automation equipment described in item 1 of the scope of the application, all bank-side devices will receive the encrypted deposit information and the encrypted barcode from the block link. The cash deposit and withdrawal service system for shared automated equipment as described in item 1 of the patent application scope, wherein the biometric information is a fingerprint or a facial feature. The cash deposit and withdrawal service system for shared automated equipment as described in item 1 of the scope of the application, wherein each bank terminal further includes a public key and a private key, the encrypted barcode also includes the public key, and the financial device has The public key generates the encrypted deposit information, and the bank uses the private key to decrypt the encrypted deposit information.

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