TWM541071U - Self-service counter system for financial account opening or application - Google Patents

Description

Self-service counter system for financial account opening or importing

This creation is about the financial operating system, especially a self-service counter system for financial account opening or importing.

ATM (Automatic Teller Machine) is already a widely used financial operation machine. Since the advent of ATM, it has greatly reduced the operation of financial service personnel. The phenomenon of long-term withdrawals from banks has been greatly relieved. . For a long time, people have also been expanding the functions of ATM, such as transfer, micro-credit, financial card advertising and so on. The increase in each service can reduce the workload of financial personnel.

But some financial operations that are complex and require certification, today's ATMs are still unable to do these jobs, mainly because of the need to check the personnel and documents, and the tedious input process. The entire job contains multiple and complex programs. Traditional ATMs are not configured with the relevant organizations, and the host cannot install related devices to match the actual process.

Nowadays, due to advances in electronics and information technology, a variety of sensing devices and input devices have been developed, and the functions of authentication have been greatly enhanced. The database of Guan is also very complete. Therefore, if these existing technologies can be integrated into a dedicated device to form a new device, the traditional manual counter service function can be extended, and the operation of the entire financial staff can be further reduced, and the financial institution can also save a considerable amount. cost of.

Therefore, this case hopes to propose a brand-new self-service counter system for financial account opening or importing to solve the above-mentioned prior art defects.

Therefore, the purpose of this creation is to solve the above-mentioned problems in the prior art. In this creation, a self-service counter system for financial account opening or importing is proposed, and the operator can self-service in the host side of the self-service counter system of the case. The remote account opening operation includes confirming the account opening contract, filling in the application materials and scanning the relevant documents, and the remote service personnel can also assist the operator through the instant video customer service to complete the bidding, identity inspection and customer care. Therefore, the operator can achieve the effect of immediate bidding through the self-service counter system of the case, and can flexibly change the account opening information, which is quite fast and convenient in use. Furthermore, through the framework of the self-service counter system of the case, an uninterrupted service period can be provided, so that the service time can be extended. In addition, the self-service counter system of this case can be quickly set up in different locations according to the needs to achieve a highly mobile service function. The self-service counter system in this case integrates an automated information system, which increases the output value of the tellers and centralizes staff scheduling and optimizes service hours. The self-service counter system of this case can be applied according to different applications. Organize business categories, combine different audit levels and release systems to achieve more diverse service content. In addition, this case cooperates with other systems at the back end to obtain the operator's joint information and credit information, account and product application materials in an automated manner for related comparison and certification operations. Moreover, all the transaction records in this case are completely retained and backed up, which is conducive to subsequent auditing and control, so that the customer data can be fully integrated and utilized. Therefore, the case can be applied to the front desk service, such as new customer account opening and card issuance business, original customer reissuing card business, certificate application, data change service, payment service and loan service, etc., and can greatly expand the function of the original ATM. , and further reduce the work of the entire financial staff, but also can save financial institutions a considerable amount of money.

In order to achieve the above objectives, a self-service counter system for financial account opening or importing is proposed in the present invention, which comprises: a machine for configuring related components; and a host located inside the machine for processing related process operations; A near-end camera is located above the machine, and its imaging range is located at a position lower than the front of the machine. It is mainly used to ingest the operator's action at the front end of the machine; a wide-angle camera is located above the machine. The large-scale image of the front end of the machine is mainly used to capture the whole image of the periphery of the machine and the operator to determine whether there are other people beside the operator; a display screen is located in front of the machine. In the head-up position, it is used to display related images and files during operation; during operation, the display screen displays the instant image of the service personnel, and performs instant two-way communication with the operator through the audio and video output; a document collection certification mechanism for receiving operations The file is entered and authenticated; a positive front camera is located above the machine. The camera range is located in the front of the machine, and is mainly used to ingest the posture and facial image of the operator at the front end of the machine; a touch screen is located on the front side of the machine as an operator input; The touch screen is used to display the touch keyboard to receive the operator's input; a card issuer is located on the front side of the machine for printing the card and sending the card to the operator; when the operator selects the card to receive In the case of on-site card making, the card is printed and sent to the operator via the card issuer; a stamp stamping machine is located in the machine for printing the document to seal the operator; The host controls the printing and stamping machine to print the application, and the operator signs the application; when the operation is performed, the transaction schedule is printed to the operator via the printing and stamping machine. The operation is to output the agreed terms under the instruction of the host, and receive the consent instruction input by the operator; and display the operator to input the identity authentication data; and display the operator to input the authentication file; and display the relevant information of the account opening application And receiving the information filled by the operator for the account opening application; and the output instruction requires the operator to select the financial card type and function; and the output instruction requires the operator to select the card and the way of receiving the passbook.

The features of the present invention and its advantages can be further understood from the description below, and please refer to the attached drawings when reading.

10‧‧‧ machine

11‧‧‧Host

20‧‧‧ Near-end camera

30‧‧‧ wide-angle camera

40‧‧‧ display screen

50‧‧‧ documents are collected from certification bodies

51‧‧‧ Documents charged 匣

52‧‧‧High resolution camera

53‧‧‧ Identification Module

54‧‧‧Recycler

60‧‧‧ Front camera

70‧‧‧ microphone

80‧‧‧ touch screen

90‧‧‧Print card issuer

100‧‧‧ card reader

110‧‧‧Anti-Private Encryption Password Keyboard

120‧‧‧Barcode Scanner

130‧‧‧Electronic signature pen

140‧‧‧Contactless IC card sensor

150‧‧‧Printing and stamping machine

160‧‧‧ proximity sensor

511‧‧‧ violet illumination equipment

Figure 1 shows a schematic diagram of one of the components in this case.

Figure 2 shows a schematic diagram of the operating procedure of this case.

Figure 3 shows the block diagram of the structure of the document in this case.

In view of the structural composition of the case, and the functions and advantages that can be produced, in conjunction with the drawings, a preferred embodiment of the present invention is described in detail below.

Referring to FIG. 1 to FIG. 3, a self-service counter system for financial account opening or importing of the present invention is shown, which comprises the following components: a machine 10 is used to configure related components of the present case, as shown in FIG.

A host 11 is internal to the machine 10 for processing the related process operations of the present case.

A near-end camera 20 is located above the machine table 10, and its imaging range is located below the front of the machine table 10, and is mainly used for ingesting an operator's action at the front end of the machine table 10, such as input, writing, and the like.

A wide-angle camera 30 is located above the machine 10 for ingesting a wide range of images at the front end of the machine table 10, mainly capturing the entire image of the periphery of the machine 10 and the operator to determine whether there are other people beside the operator. .

A display screen 40 is located in front of the machine 10 and can be viewed by the human eye for displaying related images and files during operation. The display screen 40 can display a touch keyboard for receiving an operator's touch signal. During operation, the display screen 40 displays an instant image of the service personnel and performs instant two-way communication with the operator through the audio and video output.

A document collection certification authority 50 is provided for receiving documents input by an operator and performing authentication. As shown in FIG. 3, the document collection certification authority 50 includes: a document collection 匣51, which is retracted from the front end of the machine 10, and is used for collecting documents inserted by the operator, mainly including the application documents and Certification documents (such as ID cards, health insurance cards, etc.). The document collection 匣51 still includes a violet illumination device 511, which can be used to scan a document such as an identity card to identify the correctness of the document.

A high resolution camera 52, located in the file collection port 51, can record a document for the operator to insert the file.

An identification module 53 is connected to the host 11 for recognizing the content of the file placed by the operator to receive the file and determining whether the content is correct. When the identification module 53 recognizes that the file is a file printed by the transaction device, a recycler 54 is driven to recycle the file. The identification module 53 can be connected to an internal database to validate the input file with the QR code printed on the document.

A positive front camera 60 is located above the machine 10, and its imaging range is located in the front of the machine 10, and is mainly used to ingest the posture and facial image of the operator at the front end of the machine 10.

A microphone 70 is located on the front side of the machine 10 to allow the operator to talk to the remote service personnel.

A touch screen 80 is located on the front side of the machine table 10 and is used as an operator input. The touch screen 80 can display a touch keyboard to receive operator input.

During operation, under the command of the host 11, the agreed-upon clause is output on the touch screen 80, and the consent instruction input by the operator is received; the touch screen 80 can be displayed. The operator needs to input the identity authentication data; the touch screen 80 can display the operator to input the authentication file; and the touch screen 80 can display the related information of the account opening application, and receive the operator's account for the account opening application. The touch screen 80 can output an instruction requesting the operator to select the financial card type and function; the touch screen 80 can output an instruction requesting the operator to select the card and the way of receiving the passbook.

The display function of the display screen 40 and the touch screen 80 is not limited to the above manner, and the display function of the display screen 40 may be disposed on the touch screen 80 as needed, or the touch screen 80 may be The display and touch functions are configured on the display screen 40.

A card issuer 90 is located on the front side of the machine 10 for instant printing of the card and for sending the card to the operator. When the card selection mode selected by the operator is on-site card making, the card is printed via the card issuer 90 and sent to the operator.

A card reader 100 is located on the front side of the machine table 10 for reading data on the card.

A pirate-encrypted PIN pad 110 is located on the front side of the machine 10, allowing the user to enter the password in a safe and peep-proof manner. When the card collection mode selected by the operator is on-site card making, the financial card password set by the operator is received via the anti-peep encryption cipher keyboard 110.

A code scanner 120 is located on the front side of the machine 10 for scanning bar codes.

An electronic signature pen 130 is located on the front side of the machine 10, and the operator applies the electricity The sub-signature pen 130 is electronically signed.

A non-contact IC card sensor 140 is located on the front side of the machine 10 for reading data on the IC card.

A printer stamping machine 150 is located in the machine table 10 for printing documents for the operator to stamp. In operation, the host 11 controls the printing and stamping machine 150 to print the application, and the operator signs (or stamps) the application. The operation schedule is printed to the operator via the stamp stamper 150 during operation.

A proximity sensor 160 is located on the front side of the machine table 10, and can be sensed when a person approaches the machine table 10 to perform related operations inside the machine base 10.

As shown in FIG. 2, the operating procedure of the machine 10 in the present case is as follows: Selecting an account opening service (step 301): The host 11 receives an account opening button input by the operator from the touch screen 80 to initiate an account opening operation.

Connecting with the remote service personnel (step 301-1), opening the remote personnel account opening service (step 301-2): the host 11 displays the instant image of the service personnel on the display screen 40, and can output and operate through the audio and video. Instant two-way communication.

The appointment terms are read (step 302): the agreed terms are output on the touch screen 80 and the consent instructions entered by the operator are received.

The identity card and the second document are scanned (step 303): the host 11 displays through the touch screen 80 that the operator needs to input the identity authentication data. And the credit information can be obtained by the remote end for comparison (step 303-1), or the image is input by the camera for storage and authentication; The host 11 displays on the touch screen 80 that the operator needs to input an authentication file; the file receiving module 51 receives an authentication file input by the operator, such as an identity card and a second certificate, and is recognized by the identification module 53 and is represented by the high resolution. The camera 52 takes in the document image and stores it in the host 11.

Filling out the account opening application (step 304): the host computer 11 causes the touch screen 80 to display the relevant information of the account opening application, and receives the information filled by the operator for the account opening application. And the related service is carried out by the remote service personnel (step 304-1).

The financial card is selected (step 305): the host 11 causes the touch screen 80 to output an instruction requesting the operator to select the financial card category and function.

Selecting a card and a passbook receipt method (step 306): The host computer 11 causes the touch screen 80 to output an instruction requesting the operator to select a card and a passbook receipt method. When the card collection mode selected by the operator is on-site card making, the financial card password set by the operator is received via the anti-peep encryption cipher keyboard 110.

Confirm whether the application information is correct (step 307): The host 11 confirms whether the application data input by the operator is correct.

The application is printed and signed back (step 308): the host 11 controls the printing and stamping machine 150 to print the application, and the operator signs the application back.

Photographing and photo comparison (step 310): The host 11 takes in the facial image of the operator via the front-end camera 60.

Identity verification and account opening check (step 311): the host 11 makes the display screen 40 displays the waiting message, and performs an account opening audit of the application file via the remote end (step 311-1), and generates account information (step 311-2).

The card issuance and transaction schedule is completed (step 312): the host 11 causes the display screen 40 to display an account opening success message, and prints the transaction schedule to the operator via the printer stamping machine 150. When the card selection mode selected by the operator is on-site card making, the card is printed via the card issuer 90 and sent to the operator.

Applying the above structure and operation flow, the operator can perform the remote account opening operation in the self-service mode on the host side of the self-service counter system of the case, including confirming the contents of the account opening, filling in the application materials and scanning the relevant documents, and the remote service. Personnel can also assist the operator through the instant video to complete the bid, identification and customer care. Therefore, the operator can achieve the effect of immediate bidding through the self-service counter system of the case, and can flexibly change the account opening information, which is quite fast and convenient in use.

Furthermore, through the framework of the self-service counter system of the case, an uninterrupted service period can be provided, so that the service time can be extended. In addition, the self-service counter system of this case can be quickly set up in different locations according to the needs to achieve a highly mobile service function. The self-service counter system in this case integrates an automated information system, which increases the output value of the tellers and centralizes staff scheduling and optimizes service hours.

The self-service counter system of this case can combine different audit levels and release systems according to different bidding business categories to achieve more diversified service content. In addition, this case cooperates with other systems at the back end to obtain the operator's joint information and credit information, account and product application materials in an automated manner for related comparison and certification operations. Moreover, all the transaction records in this case are completely retained and backed up, which is conducive to subsequent auditing and control, so that the customer data can be fully integrated and utilized. Therefore, the case can be applied to the cabinet service, such as new customer account opening and card issuance business, original customer replacement card business, certificate application, data change service, payment service and loan service, etc., and further reduce the operation of the entire financial personnel, It can also save financial institutions a considerable amount of money.

In summary, the humanized design of this case is quite in line with actual needs. The specific improvement of the existing defects is obviously a breakthrough improvement advantage compared with the prior art, and it has an improvement in efficacy and is not easy to achieve. The case has not been disclosed or disclosed in domestic and foreign literature and market, and has complied with the provisions of the Patent Law.

The detailed description above is a detailed description of one of the possible embodiments of the present invention, and the embodiment is not intended to limit the scope of the patents, and the equivalent implementations or modifications that are not included in the spirit of the present invention should be included in The patent scope of this case.

10‧‧‧ machine

11‧‧‧Host

20‧‧‧ Near-end camera

30‧‧‧ wide-angle camera

40‧‧‧ display screen

50‧‧‧ documents are collected from certification bodies

60‧‧‧ Front camera

70‧‧‧ microphone

80‧‧‧ touch screen

90‧‧‧Print card issuer

100‧‧‧ card reader

110‧‧‧Anti-Private Encryption Password Keyboard

120‧‧‧Barcode Scanner

130‧‧‧Electronic signature pen

140‧‧‧Contactless IC card sensor

150‧‧‧Printing and stamping machine

160‧‧‧ proximity sensor

Claims (13)

A self-service counter system for financial account opening or importing, comprising: a machine for configuring related components; a host inside the machine for processing related process operations; and a near-end camera located at the machine Above, the camera range is located at the lower position of the front of the machine, which is mainly used to ingest the operator's action at the front end of the machine; a wide-angle camera is located above the machine for ingesting the front end of the machine. The image is mainly to capture the overall image of the machine and the operator to determine if there are other people beside the operator; a display screen is located in front of the machine and the human eye can be seen in the plane for display. Relevant images and files during operation; the display screen displays the instant image of the service personnel during operation, and performs instant two-way communication with the operator through the audio and video output; a document collection certification mechanism for receiving the file input by the operator and performing authentication; A positive front camera is located above the machine, and its imaging range is located in the front of the machine. It is mainly used to ingest the posture of the operator at the front end of the machine. Part of the image; a touch screen is located on the front side of the machine for operator input; the touch screen is used to display the touch keyboard to receive operator input; a card issuer is located on the front side of the machine. For instant printing of cards concurrent Sending a card to the operator; when the card selection mode selected by the operator is on-site card making, the card is printed and sent to the operator via the card issuing device; a printing and stamping machine is located in the machine, Printing the document to seal the operator; during operation, the host controls the printing and stamping machine to print the application, and the operator signs the application; and prints the transaction schedule via the printing and stamping machine during operation To the operator. For example, the self-service counter system for financial account opening or importing of claim 1 in which the operation is to output the agreed terms under the instruction of the host, and receive the consent instruction input by the operator; and display the operator to input The identity authentication data; and the operator is required to input the authentication file; and display the relevant information of the account opening application, and receive the information filled by the operator for the account opening application; and the output instruction requires the operator to select the financial card type and function; The output command requires the operator to select the card and the way the passbook is received. For example, the self-service counter system for financial account opening or importing of claim 1 of the patent scope, wherein the document collection certification body includes: a document collection, which is retracted from the front end of the machine for collecting documents inserted by the operator. The utility model mainly comprises an application document and an authentication file; a high-resolution camera is located in the collection of the file, and is used for recording an image of the file inserted by the operator; and an identification module is connected to the host for identifying the operator. Inserting the file to receive the contents of the file and determining whether the content is correct; when the identification module identifies the file as a file printed on the transaction device, it drives a recycle To recover the file; the identification module is linked to the internal database, and the input file is validly authenticated by the QR code printed on the document. For example, the self-service counter system for financial account opening or importing of claim 1 includes a microphone located on the front side of the machine for the operator to talk to the remote service personnel. For example, the self-service counter system for financial account opening or importing of claim 1 includes a card reader located on the front side of the machine for reading data on the card. For example, the self-service counter system for financial account opening or importing of claim 1 includes a privacy-enhanced encryption password keyboard located on the front side of the machine for inputting a password in a safe and peep-proof manner; When the card collection mode selected by the operator is on-site card making, the financial card password set by the operator is received via the anti-peep encryption password keyboard. For example, the self-service counter system for financial account opening or importing of claim 1 includes a code scanner located on the front side of the machine for scanning bar codes. For example, the self-service counter system for financial account opening or importing of claim 1 includes an electronic signature pen located on the front side of the machine, and the operator applies the electronic signature pen for electronic signature. For example, the self-service counter system for financial account opening or importing of claim 1 includes a non-contact IC card sensor 140 located on the front side of the machine for reading data on the IC card. For example, the self-service counter system for financial account opening or importing of claim 1 includes a proximity sensor located on the front side of the machine, and when a person approaches the machine, the machine can be sensed to make the machine Perform related operations internally. For example, in the self-service counter system for financial account opening or importing, the touch screen display and touch function are disposed on the display screen; the display screen is also used for a touch keyboard. Receive operator's touch signal. For example, in the self-service counter system for financial account opening or importing, the display function of the display screen is configured on the touch screen. For example, the self-service counter system for financial account opening or importing of claim 3, wherein the document contains a purple light irradiation device for scanning the document to identify the correctness of the document.