TWI824163B - Transaction system and transaction method supporting plastic money corresponding to multiple accounts - Google Patents

Abstract

A transaction system and a transaction method supporting a plastic money corresponding to multiple accounts are provided. The transaction system includes an automated tell machine (ATM). The ATM includes a human machine interface (HMI) and a card reader, wherein the ATM reads the plastic money via the card reader to display a plurality of options respectively corresponding to a plurality of accounts via the HMI, receives a first operation corresponding to one of the plurality of options via the HMI, obtains an account information according to the first operation, displays the account information via the HMI, receives a second operation via the HMI in response to displaying the account information, and performs a transaction corresponding to the account information according to the second operation.

Description

Supports the trading system and trading method of plastic currency corresponding to multiple accounts

The present disclosure relates to a trading system and trading method that supports plastic currency corresponding to multiple accounts.

Generally speaking, different financial institutions provide different financial services or credit card offers. Therefore, a single user opens accounts at multiple financial institutions and holds multiple different financial cards. If the user needs to use different financial accounts, the user needs to carry multiple financial cards with him regularly. This will cause inconvenience to users.

The present disclosure provides a transaction system and transaction method that supports plastic currency corresponding to multiple accounts, allowing users to access multiple different accounts through a single card.

A transaction system of the present invention that supports plastic currency corresponding to multiple accounts includes an automatic teller machine. The automatic teller machine includes a human-machine interface and a card reader, wherein the automatic teller machine reads plastic currency through the card reader to display multiple options corresponding to multiple accounts through the human-machine interface, and receives information corresponding to the multiple options through the human-machine interface. One of the first operations is to obtain the account information according to the first operation, display the account information through the human-machine interface, receive the second operation through the human-machine interface in response to displaying the account information, and perform the execution corresponding to the account information according to the second operation. transaction.

In an embodiment of the present disclosure, the above-mentioned plastic currency stores correspond to multiple account information of multiple accounts respectively, and the ATM reads the plastic currency through a card reader to obtain the account information.

In an embodiment of the present disclosure, the above-mentioned ATM uses a card reader to overwrite plastic currency to update account information.

In an embodiment of the present disclosure, the above-mentioned ATM receives a third operation through a human-machine interface, and updates a plurality of account information according to the third operation.

In an embodiment of the present disclosure, the above-mentioned ATM performs at least one of the following according to the third operation: adding an account to multiple accounts, removing an account from multiple accounts, and updating one of the multiple accounts. One's password.

In an embodiment of the present disclosure, the above-mentioned trading system further includes a server. The server communication is connected to the automatic teller machine and stores a plurality of account information respectively corresponding to a plurality of accounts, wherein the automatic teller machine obtains the account information from the server according to the first operation.

In an embodiment of the present disclosure, the above-mentioned ATM sends an instruction to the server according to the second operation, and the server updates the account information according to the instruction.

In an embodiment of the present disclosure, the above-mentioned ATM receives a third operation through a human-machine interface, and updates a plurality of account information according to the third operation.

In an embodiment of the present disclosure, the above-mentioned plastic currency includes at least one of a magnetic strip and a chip, wherein the card reader reads or overwrites the plastic currency through at least one of the magnetic strip and the chip.

A transaction method of the present invention that supports plastic currency corresponding to multiple accounts is applicable to an automatic teller machine including a human-machine interface and a card reader, wherein the transaction method includes: reading the plastic currency through the card reader to display it through the human-machine interface Multiple options respectively corresponding to multiple accounts; receiving a first operation corresponding to one of the multiple options through a human-machine interface; obtaining account information according to the first operation; displaying the account information through the human-machine interface; responding to displaying the account information and receive the second operation through the human-machine interface; and execute a transaction corresponding to the account information based on the second operation.

Based on the above, the present disclosure can store multiple account information of a single user in plastic money or a remote server. Users only need to carry a piece of plastic currency to enjoy financial services provided by multiple financial institutions.

FIG. 1 illustrates a schematic diagram of a transaction system 10 supporting plastic currency corresponding to multiple accounts according to an embodiment of the present invention. The transaction system 10 may include an ATM 100 and a server 200 . In one embodiment, the transaction system 10 may also include plastic currency 300 .

The ATM 100 can be communicatively connected to the server 200 and can read the plastic currency 300 supporting multiple accounts. The ATM 100 can provide users with financial services such as deposits, withdrawals, transfers, bill payments, or information inquiries. FIG. 2 is a schematic diagram of an ATM 100 according to an embodiment of the present invention. The ATM 100 may include a processor 110, a storage medium 120, a transceiver 130, a card reader 140 and a human-machine interface 150.

The processor 110 is, for example, a central processing unit (CPU), or other programmable general-purpose or special-purpose micro control unit (MCU), microprocessor, or digital signal processing unit. Digital signal processor (DSP), programmable controller, application specific integrated circuit (ASIC), graphics processing unit (GPU), image signal processor (ISP) ), image processing unit (IPU), arithmetic logic unit (ALU), complex programmable logic device (CPLD), field programmable gate array (field programmable gate array) , FPGA) or other similar components or a combination of the above components. The processor 110 may be coupled to the storage medium 120, the transceiver 130, the card reader 140, and the human-machine interface 150.

The storage medium 120 is, for example, any type of fixed or removable random access memory (RAM), read-only memory (ROM), or flash memory. , hard disk drive (HDD), solid state drive (SSD) or similar components or a combination of the above components, used to store multiple modules or various application programs that can be executed by the processor 110 .

The transceiver 130 transmits and receives signals in a wireless or wired manner. Transceiver 130 may also perform, for example, low noise amplification, impedance matching, mixing, up or down frequency conversion, filtering, amplification, and similar operations. The ATM 100 can be communicatively connected to the server 200 through the transceiver 130 to communicate with the server 200 .

The card reader 140 can be used to read or overwrite data on a storage medium, such as a magnetic strip or chip on the plastic currency 300 .

The human-machine interface 150 is used to display information and receive transaction operations performed by the user. Transaction operations include, for example, inserting an ATM card, entering a password, entering the withdrawal amount, whether to print a receipt, transfer account number, transfer amount, changing password or payment, etc. The human-machine interface 150 may include input devices and output devices. The input device allows users to input necessary data for various transaction operation instructions. The input device may include a mouse, a keyboard, a touch screen, etc., but the disclosure is not limited thereto. The output device can display account information to the user, where the account information includes, for example, account balances or transaction records, but the present disclosure is not limited thereto.

The server 200 can transmit account information related to the financial account to the ATM 100, and can receive transaction instructions from the ATM 100 to process transactions that the user wants to perform. FIG. 3 is a schematic diagram of a server 200 according to an embodiment of the present invention. The server 200 may include a processor 210, a storage medium 220, and a transceiver 230.

The processor 210 is, for example, a central processing unit, or other programmable general-purpose or special-purpose micro-control unit, microprocessor, digital signal processor, programmable controller, special application integrated circuit, or graphics processor. , image signal processor, image processing unit, arithmetic logic unit, complex programmable logic device, field programmable logic gate array or other similar components or a combination of the above components. Processor 210 may be coupled to storage medium 220 and transceiver 230.

The storage medium 220 is, for example, any type of fixed or removable random access memory, read-only memory, flash memory, hard disk, solid state drive or similar components or a combination of the above components. A plurality of modules or various application programs that can be executed by the processor 210 are stored.

The transceiver 230 transmits and receives signals in a wireless or wired manner. Transceiver 230 may also perform, for example, low noise amplification, impedance matching, mixing, up or down frequency conversion, filtering, amplification, and similar operations. The server 200 can be communicatively connected to the ATM 100 through the transceiver 230 to communicate with the ATM 100 .

FIG. 4 is a schematic diagram of a plastic currency 300 according to an embodiment of the present invention. Plastic currency 300 may include storage media 310 . The storage medium 310 is used to store account information related to financial accounts. The storage medium 310 is, for example, a magnetic strip or a chip. Storage medium 310 is writable. The card reader 140 of the ATM 100 can access the account information in the storage medium 310, or overwrite specific information into the storage medium 310.

The ATM 100 can read the plastic currency 300 through the card reader 140 to display multiple options corresponding to multiple accounts through the human-machine interface 150 for the user to select. The user can operate the human-machine interface 150 to select one of a plurality of options. The automatic membership machine 100 can obtain corresponding account information according to the user's operation, and can display the account information through the human-machine interface 150 . Accordingly, the user can select an account from multiple accounts to conduct information inquiry or transaction when operating the ATM 100 .

After the user reads the account information of the specific account displayed on the human-machine interface 150, the user can determine whether to use the specific account for information inquiry or transaction. Specifically, the user can operate the human-machine interface 150. The processor 110 of the ATM 100 may execute a transaction corresponding to the specific account (or account information corresponding to the specific account) in response to the user's operation on the human-machine interface 150 . For example, the ATM 100 can transmit transaction instructions to the server 200 responsible for processing financial transaction procedures through the transceiver 130, so that the server 200 completes the subsequent transaction process.

In one embodiment, multiple account information respectively corresponding to multiple accounts of the user may be stored in the storage medium 220 of the server 200 . After the ATM 100 reads the plastic currency 300 through the card reader 140, displays multiple options respectively corresponding to multiple accounts, and receives the user's operation for selecting one of the multiple accounts through the human-machine interface 150 , the ATM 100 can respond to the user's operation by sending instructions to the server 200 through the transceiver 130, thereby obtaining account information corresponding to the user's operation from the server 200. The processor 210 of the server 200 can select the account information corresponding to the user's operation from the plurality of account information stored in the storage medium 220 according to the instructions, and transmit the account information to the ATM 100 through the transceiver 230 .

After the user chooses to use a specific account, the ATM 100 may receive the user's operation for updating the account information through the human-machine interface 150 and execute a transaction corresponding to the account information according to the operation. Specifically, the ATM 100 can transmit instructions to the server 200 through the transceiver 130 . The processor 210 of the server 200 can update the account information stored in the storage medium 220 according to the instructions. For example, the user can instruct the account to transfer funds to other accounts by operating the human-machine interface 150 . Processor 210 may transfer deposits from the account to other accounts and update the account information accordingly.

The user can operate the human-machine interface 150 of the ATM 100 to update multiple account information stored in the server 200 . The step of updating the multiple account information may include performing at least one of the following: adding an account to the multiple accounts, removing an account from the multiple accounts, or updating the password of one of the multiple accounts. For example, the user can operate the human-machine interface 150 to instruct the server 200 to add account information to the plurality of account information, or to delete specific account information from the plurality of account information. In this way, the account information accessible to the plastic money 300 can be flexibly expanded or reduced.

In one embodiment, multiple account information respectively corresponding to multiple accounts of the user may be stored in the storage medium 310 of the plastic currency 300 . After the ATM 100 reads the plastic currency 300 through the card reader 140, displays multiple options respectively corresponding to multiple accounts, and receives the user's operation for selecting one of the multiple accounts through the human-machine interface 150 , the ATM 100 can respond to the user's operation by reading the storage medium 310 through the card reader 140, thereby obtaining account information corresponding to the user's operation.

After the user chooses to use a specific account, the ATM 100 may receive the user's operation for updating the account information through the human-machine interface 150 and execute a transaction corresponding to the account information according to the operation. The ATM 100 can overwrite the storage medium 310 of the plastic currency 300 through the card reader 140 according to the operation, thereby updating the account information. For example, the user can instruct the account to transfer funds to other accounts by operating the human-machine interface 150 . The processor 110 can send instructions to the server 200 according to the user's operation to instruct the server 200 to execute the transaction. On the other hand, the processor 110 can overwrite the storage medium 310 through the card reader 140 to update the account information of the account according to the user's operation.

The user can operate the human-machine interface 150 of the ATM 100 to update multiple account information stored in the plastic money 300 . The step of updating the multiple account information may include performing at least one of the following: adding an account to the multiple accounts, removing an account from the multiple accounts, or updating the password of one of the multiple accounts. For example, the user can operate the human-machine interface 150 to instruct the ATM 100 to overwrite the storage medium 310 of the plastic currency 300 through the card reader 140, thereby adding account information to the plurality of account information, or from the plurality of account information. Delete specific account information from the account information. In this way, the account information accessible to the plastic money 300 can be flexibly expanded or reduced.

FIG. 5 illustrates a flowchart of a transaction method for supporting plastic currency corresponding to multiple accounts according to an embodiment of the present invention, wherein the transaction method can be implemented by the transaction system 10 shown in FIG. 1 . In step S501, the plastic currency is read through the card reader to display multiple options respectively corresponding to multiple accounts through the human-machine interface. In step S502, a first operation corresponding to one of a plurality of options is received through a human-machine interface. In step S503, account information is obtained according to the first operation. In step S504, the account information is displayed through the human-machine interface. In step S505, a second operation is received through the human-machine interface in response to displaying the account information. In step S506, a transaction corresponding to the account information is executed according to the second operation.

In summary, this disclosure can store multiple account information of a single user in plastic money or a remote server. When a user operates an ATM, the ATM can provide options for the user to select the account they want to use. In this way, users only need to carry a piece of plastic currency to enjoy financial services provided by multiple financial institutions. Users can also flexibly expand the accounts that plastic money can access by operating the ATM.

10:Trading system 100:ATM 110, 210: Processor 120, 220, 310: storage media 130, 230: transceiver 140:Card reader 150:Human-computer interface 200:server 300:Plastic currency S501, S502, S503, S504, S505, S506: steps

FIG. 1 illustrates a schematic diagram of a transaction system supporting plastic currency corresponding to multiple accounts according to an embodiment of the present invention. FIG. 2 is a schematic diagram of an automatic teller machine according to an embodiment of the present invention. FIG. 3 is a schematic diagram of a server according to an embodiment of the present invention. FIG. 4 is a schematic diagram of plastic currency according to an embodiment of the present invention. FIG. 5 illustrates a flow chart of a transaction method for supporting plastic currency corresponding to multiple accounts according to an embodiment of the present invention.

10:Trading system

100:ATM

200:server

300:Plastic currency

Claims (5)

A transaction system that supports plastic currency corresponding to multiple accounts includes: an automatic teller machine including a human-machine interface and a card reader; and a server that is communicatively connected to the automatic teller machine, wherein the automatic teller machine passes the card reader The machine reads the plastic currency to display a plurality of options respectively corresponding to the plurality of accounts through the human-machine interface, wherein the plurality of accounts include a first account, and the plurality of options include a plurality of options corresponding to the A first option for a first account, the automatic teller machine receives a first operation through the human-machine interface to select the first option from the plurality of options, the automatic teller machine selects the first option according to the first operation. The server obtains first account information corresponding to the first account, or reads the plastic currency through the card reader to obtain the first account information, wherein the automatic teller machine obtains the first account information through the human-machine interface After receiving the first operation for selecting the first account among the plurality of accounts, the ATM transmits a first instruction to the server in response to the first operation to from the The server obtains the first account information corresponding to the first operation. After the user selects the first account through the first operation, the ATM displays the first account information through the human-machine interface. account information, the ATM receiving a second operation through the human-machine interface in response to displaying the first account information, The automatic teller machine performs a transaction corresponding to the first account information according to the second operation, wherein the automatic teller machine transmits a second instruction to the server according to the second operation, and the server The first account information is updated according to the second instruction, wherein the plastic money storage respectively corresponds to a plurality of account information of the plurality of accounts, and the ATM receives a third operation through the human-machine interface , and sends a third instruction to the server according to the third operation, the server updates the plurality of account information stored in the server and the plastic currency according to the third instruction, and the The ATM performs at least one of the following according to the third operation: adding an account to the plurality of accounts, removing an account from the plurality of accounts, and updating one of the plurality of accounts. The password, wherein the ATM overwrites the plastic currency through the card reader to add an account to the plurality of accounts or remove an account from the plurality of accounts. The transaction system of claim 1, wherein the automatic teller machine overwrites the plastic currency through the card reader to update the first account information. The trading system of claim 1, wherein the server stores a plurality of account information respectively corresponding to the plurality of accounts. The transaction system of claim 1, wherein the plastic currency includes at least one of a magnetic strip and a chip, and the card reader reads through at least one of the magnetic strip and the chip. Get or overwrite the plastic currency. A transaction method that supports plastic currency corresponding to multiple accounts, applicable to an automatic teller machine including a human-machine interface and a card reader, and a server connected to the automatic teller machine, wherein the transaction method includes: by the automatic teller machine The teller machine reads the plastic currency through the card reader to display a plurality of options respectively corresponding to the plurality of accounts through the human-machine interface, wherein the plurality of accounts include a first account, and the plurality of The options include a first option corresponding to the first account; the automatic teller machine receives a first operation through the human-machine interface to select the first option from the plurality of options; the automatic teller machine according to The first operation obtains first account information corresponding to the first account from the server, or reads the plastic currency through the card reader to obtain the first account information, wherein the After the automatic teller machine receives the first operation for selecting the first account among the plurality of accounts through the human-machine interface, the automatic teller machine transmits a first instruction to the first account in response to the first operation. The server is used to obtain the first account information corresponding to the first operation from the server; after the user selects the first account through the first operation, the ATM passes the The human-machine interface displays the first account information; the automatic teller machine receives a second operation through the human-machine interface in response to displaying the first account information; the automatic teller machine performs the operation according to the second operation Performing a transaction corresponding to the first account information, wherein the ATM transmits a transaction in accordance with the second operation A second instruction is sent to the server, and the server updates the first account information according to the second instruction, wherein the plastic currency storage respectively corresponds to a plurality of account information of the plurality of accounts, and The automatic teller machine receives a third operation through the human-machine interface, and sends a third instruction to the server according to the third operation, and the server updates the information stored in the server and the server according to the third instruction. The plurality of account information of the plastic currency, and the automatic teller machine performs at least one of the following according to the third operation: adding an account to the plurality of accounts, withdrawing from the plurality of accounts Remove an account and update the password of one of the plurality of accounts, wherein the ATM overwrites the plastic currency through the card reader to add an account to the plurality of accounts or from the Remove accounts from multiple accounts.

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