TWM631246U - System of depositing check - Google Patents

Abstract

A system of depositing a check is provided. The system of depositing a check includes a storage medium, a transceiver, and a processor. The storage medium stores customer information. The processor is coupled to the storage medium and the transceiver, and is configured to: obtain a check image through the transceiver; perform an image recognition on the check image to obtain an recognition result; determine whether to deposit a deposit amount into a first account corresponding to the customer information according to the deposit amount in the recognition result in response to the recognition result matching with the customer information; and outputting a first message through the transceiver in response to determining to deposit the deposit amount into the first account, wherein the first message indicates the deposit amount has been deposited into the first account.

Description

Ticket deposit system

This new creation is about a ticket deposit system.

A check is a common financial payment instrument. The drawer entrusts the bank to pay the bearer in cash when the bearer needs it. However, at present, banks still use manpower to carry out check-related businesses such as receiving, cashing, and amount confirmation, and customers also need to go to the counter to handle check-related businesses, which is cumbersome and time-consuming. Therefore, it is one of the goals for those skilled in the art to digitize the operation process of these financial transactions.

The new creation provides a ticket depositing system, which can reduce the work at the counter and improve the efficiency of ticket redemption.

A ticket depositing system created by the present invention includes a storage medium, a transceiver and a processor. The storage medium stores customer information. The processor is coupled to the storage medium and the transceiver, wherein the processor is configured to perform: obtaining a check image of the check through the transceiver; performing image recognition on the check image to obtain a recognition result; in response to matching the recognition result with the customer information, according to the recognition result determining whether to deposit the deposit amount into the first account corresponding to the customer information; and in response to determining whether to deposit the deposit amount into the first account, outputting a first message through the transceiver, wherein the first message Instruct the deposit amount to be deposited into the first account.

Based on the above, the new type of deposit system uses the image recognition technology to compare the customer information of the check with the deposit amount, and outputs a prompt message according to the comparison result, so as to complete all steps of the deposit business. This new type of deposit system assists customers to handle deposit business online, and can improve the efficiency of ticket redemption.

In order to make the content of the present disclosure more comprehensible, the following specific embodiments are given as examples on which the present disclosure can indeed be implemented. Additionally, where possible, elements/components/steps using the same reference numerals in the drawings and embodiments represent the same or similar parts.

FIG. 1 is a schematic diagram of a ticket depositing system 10 according to an embodiment of the present disclosure. The ticket depositing system 10 may include a storage medium 110 , a processor 120 and a transceiver 130 .

The storage medium 110 is, for example, any type of fixed or removable random access memory (random access memory, RAM), read-only memory (ROM), and flash memory (flash memory). , a hard disk drive (HDD), a solid state drive (SSD), or similar components or a combination of the above components for storing a plurality of modules or various application programs executable by the processor 120 . The storage medium 110 may be used to store customer information, wherein the customer information may include information such as the customer's basic information, signature information or account information.

The processor 120 is, for example, a central processing unit (CPU), or other programmable general-purpose or special-purpose micro control unit (micro control unit, MCU), microprocessor (microprocessor), digital signal processing digital signal processor (DSP), programmable controller, application specific integrated circuit (ASIC), graphics processor (graphics processing unit, GPU), image signal processor (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 elements or a combination of the above. The processor 120 may be coupled to the storage medium 110 and the transceiver 130 , and access and execute a plurality of modules and various application programs stored in the storage medium 110 .

The transceiver 130 transmits and receives signals in a wireless or wired manner. Transceiver 130 may also perform operations such as low noise amplification, impedance matching, frequency mixing, up or down frequency conversion, filtering, amplification, and the like.

FIG. 2 is a flowchart illustrating a method for depositing a ticket according to an embodiment of the present disclosure. The process of FIG. 2 can be implemented by the ticket depositing system 10 as shown in FIG. 1 .

In step S210 , the processor 120 obtains the check image of the check through the transceiver 130 . In step S220, the processor 120 performs image recognition on the check image to obtain the recognition result. In step S230, in response to the identification result matching the customer information, the processor 120 determines whether to deposit the deposit amount into the first account corresponding to the customer information according to the deposit amount in the identification result. In step S240, the processor 120 outputs a first message through the transceiver 130 in response to determining that the deposit amount is to be deposited into the first account, wherein the first message indicates that the deposit amount is to be deposited into the first account.

In an embodiment of the present invention, if the processor 120 determines, according to the deposit amount in the identification result, that the deposit amount is less than the deposit upper limit, the processor 120 deposits the deposit amount into the first account corresponding to the customer information of the ticket holder. account, and output the first message to the terminal device through the transceiver 130 . The terminal device is, for example, the terminal device of the ticket holder or the invoicer. The first message indicates that the deposit amount on the check has been successfully deposited into the bearer's first account. On the other hand, if the processor 120 determines that the deposit amount is greater than or equal to the deposit upper limit according to the deposit amount in the identification result, the processor 120 does not deposit the deposit amount into the first account, and outputs the first account through the transceiver 130. Two messages to the terminal device. The terminal device is, for example, the terminal device of the ticket holder or the invoicer. The second message indicates that the check is the information under review. In this way, the deposit system 10 can notify the bearer (and/or the invoicer) through the second message that the check cannot be cashed temporarily because the deposit amount exceeds the upper limit.

In an embodiment of the present invention, the ticket depositing system 10 includes a first account and a second account, wherein the first account is the account of the ticket holder, and the second account is the account of the invoicer. The processor 120 determines whether the deposit in the second account corresponding to the check is sufficient based on the deposit amount on the check. If the deposit in the second account is sufficient, the processor 120 determines to deposit the deposit amount into the first account, and outputs the first message to the terminal device through the transceiver 130 . The terminal device is, for example, the terminal device of the ticket holder or the invoicer. The first message indicates the successful cashing of the check; if the funds in the second account are insufficient, the processor 120 determines not to deposit the deposit amount into the first account, and outputs the second message to the terminal device through the transceiver 130 . The terminal device is, for example, the terminal device of the ticket holder or the invoicer. The second message indicates that the check is the information under review. In this way, the cheque deposit system 10 can notify the bearer (and/or the invoicer) through the second message that the check cannot be cashed temporarily because the invoicer has insufficient funds in the second account.

In an embodiment of the present invention, the processor 120 performs image recognition on the check image to obtain a recognition result, wherein the recognition result may include bearer information. If the recognition result of the check image by the processor 120 does not match the customer information of the bearer, the processor 120 outputs a second message through the transceiver 130, wherein the second message indicates that the check is the information under verification. In this way, the depository system 10 can notify the bearer that the recognition result of the check image is a failure through the second message. For example, the processor 120 performs image recognition on the check image, and the recognition result shows that there is wrong customer information in the check image (eg, wrong seal), or some customer information in the check image is blurred or covered by stains, etc. factors are difficult to identify. Accordingly, the processor 120 determines that the recognition result of the check image does not match the customer information, and the processor 120 outputs a second message to the terminal device of the bearer, thereby indicating that the check status is under verification. The processor 120 notifies the bearer that the check cannot be cashed temporarily through the second message, or requests the bearer to confirm whether the customer information is incorrect or re-upload the check image.

In an embodiment of the present invention, the image recognition method in which the processor 120 performs image recognition includes optical character recognition. The identification result may include the invoice number, invoice date, invoice bank, signature, seal or deposit amount on the check, but the new creation is not limited to this.

In an embodiment of the present invention, the deposit system 10 further includes an ATM, wherein the ATM is communicatively connected to the transceiver 130 , and the processor 120 obtains the check image through the ATM and the transceiver 130 . ATMs include components such as cash dispenser gates, image capture devices or magnetic stripe scanners. A note dispenser, an image capture device or a magnetic strip scanner can be communicatively connected to the transceiver 130 . The ticket depositing system 10 can control components such as a cash dispenser, an image capture device or a magnetic strip scanner through the transceiver 130 .

The cash dispenser is used to accept checks or output banknotes to ATM users. In one embodiment, the dispenser for accepting checks and the dispenser for outputting banknotes may be implemented in different hardware. If the bearer wants to use the ATM for deposit, the bearer can deposit the check at the cash dispenser. The processor 120 can use the image capturing device to photograph the cash dispenser to obtain the image of the check.

When the ticket holder uses the ATM to deposit the ticket, the ticket holder can operate the ATM to choose to withdraw cash for the deposit. In this way, after the processor 120 determines that the deposit amount on the check is deposited into the first account of the bearer, the processor 120 can control the cash dispenser to output the banknotes corresponding to the deposit amount in the first account to the bearer A person (ie: an ATM user).

In an embodiment of the present invention, if the check contains a magnetic stripe, the processor 120 obtains the scan result of the check through the magnetic stripe scanner, and determines whether to deposit the deposit amount into the first account in response to matching the scan result with the customer information middle.

In an embodiment of the present invention, if the check image further includes a two-dimensional barcode, the processor 120 performs image recognition on the two-dimensional barcode to obtain a recognition result of the check image.

In an embodiment of the present invention, the ticket depositing system 10 may include a mobile device held by the ticket holder. The mobile device is communicatively connected to the transceiver 130 . The mobile device may include an image capturing device, and the image capturing device may capture the check to obtain the image of the check. The processor 120 can obtain the check image through the mobile device and perform image recognition. In this way, the ticket holder can also handle the ticket deposit business through the mobile device without going to the bank counter or ATM.

In an embodiment of the present invention, the processor 120 may receive, through the transceiver 130, a query request of the ticket holder's terminal device for the historical record of the past ticket deposit. For example, if the processor 120 receives a query request for retrieving a check image from a terminal device (eg, the terminal device of the bearer or the invoicer) or the ATM, the processor 120 can output the corresponding image through the transceiver 130. The check image of the inquiry request is sent to the terminal device or ATM that issued the inquiry request.

In an embodiment of the present invention, the processor 120 obtains the check image of the check through the transceiver, and performs image recognition on the check image to obtain the recognition result. The processor 120 can further receive the identity verification information of the bearer through the transceiver 130, and use the identity verification mechanism to further protect the rights and interests of the bearer for deposit and withdrawal. If the identity verification information matches the customer information of the ticket holder in the storage medium 110, the processor 120 may determine that the ticket holder has passed the identity verification. After determining that the bearer has passed the identity verification, the processor 120 may further determine whether the identification result of the check image matches the customer information. The identity verification information can include financial card information or one-time password, but this new creation is not limited to this.

To sum up, the new check deposit system of the present invention is integrated with the automatic teller machines installed in multiple places and the mobile device of the user, so as to quickly and conveniently complete the check cashing related business. The new type of deposit system compares the customer information of the check with the deposit amount by means of image recognition technology, and outputs a prompt message according to the comparison result. Customers do not need to go to the bank to go to the counter to complete all the steps of the deposit business. This new type of deposit system assists customers to handle deposit business online and improves the efficiency of redemption.

Although the present invention has been disclosed above with examples, it is not intended to limit the present invention. Anyone with ordinary knowledge in the technical field may make some changes and modifications without departing from the spirit and scope of the present invention. Therefore, the scope of protection of the new creation should be determined by the scope of the appended patent application.

10: Deposit system 110: Storage Media 120: Processor 130: Transceiver S210, S220, S230, S240: steps

Figure 1 is a schematic diagram of a ticket deposit system. Figure 2 is a flow diagram of a method for depositing tickets.

10: Deposit system

110: Storage Media

120: Processor

130: Transceiver

Claims (16)

A ticket deposit system, including: Storage media to store customer information; transceiver; and a processor coupled to the storage medium and the transceiver, wherein the processor is configured to perform: obtain a check image of the check through the transceiver; performing image recognition on the check image to obtain a recognition result; In response to the identification result matching the client information, determining whether to deposit the deposit amount into the first account corresponding to the client information according to the deposit amount in the identification result; and In response to determining that the deposited amount is to be deposited into the first account, a first message is output through the transceiver, wherein the first message indicates that the deposited amount is to be deposited into the first account. The ticket deposit system of claim 1, wherein the processor is further configured to perform: determining whether the deposit in the second account of the drawer corresponding to the check is sufficient according to the deposit amount; in response to the deposit being sufficient, determining to deposit the deposit amount into the first account; and In response to the insufficient deposit, it is determined not to deposit the deposited amount into the first account. The ticket deposit system of claim 2, wherein the processor is further configured to perform: in response to determining not to deposit the deposited amount into the first account, outputting a second message via the transceiver to a terminal device corresponding to the first account, wherein the second message indicates the check is under inspection. The ticket deposit system of claim 1, wherein the processor is further configured to perform: In response to the identification result not matching the customer information and the identification result including bearer information, outputting a second message through the transceiver to a terminal device corresponding to the bearer information, wherein the first Two messages indicate that the check is under verification. The ticket deposit system according to claim 1, wherein the system further comprises: an automated teller machine, communicatively coupled to the transceiver, wherein the processor obtains the image of the check through the automated teller machine. The ticket deposit system of claim 5, wherein the automated teller machine comprises: cash dispenser; and An image capture device is communicatively connected to the transceiver, wherein the processor uses the image capture device to photograph the cash dispenser to obtain the check image. The ticket deposit system of claim 5, wherein the automated teller machine comprises: a magnetic stripe scanner, communicatively connected to the transceiver, wherein the processor obtains a scan result of the check through the magnetic stripe scanner, and determines whether to apply the check in response to the scan result matching the customer information The deposited amount is deposited into the first account. The depository system of claim 6, wherein the dispenser is communicatively coupled to the transceiver, and the processor is further configured to perform: The dispenser gate is controlled to output banknotes corresponding to the deposited amount deposited into the first account. The ticket deposit system according to claim 1, wherein the system further comprises: A mobile device communicatively connected to the transceiver, wherein the processor obtains the check image through the mobile device. The ticket deposit system of claim 1, wherein the processor is further configured to perform: In response to the deposited amount being less than the deposit upper limit, determining to deposit the deposited amount into the first account; and In response to the deposit amount being greater than or equal to the deposit upper limit, it is determined not to deposit the deposit amount into the first account. The ticket deposit system of claim 1, wherein the processor is further configured to perform: The check image is output through the transceiver in response to receiving an inquiry request through the transceiver. The ticket deposit system of claim 1, wherein the processor is further configured to perform: receive authentication information via the transceiver; and In response to the identity verification information matching the client information, it is determined whether the identification result matches the client information. The ticket depositing system of claim 12, wherein the identity verification information includes one of the following: financial card information and a one-time password. The depository system of claim 1, wherein the check image includes a two-dimensional barcode, and wherein the processor obtains the identification result according to the two-dimensional barcode. The ticket depositing system of claim 1, wherein the image recognition comprises optical character recognition. The ticket depositing system of claim 1, wherein the identification result includes an invoice number, an invoice date, an invoice bank, a signature, a seal, and the deposited amount.

Images