WO2015024386A1 - Automatic card swallowing and returning handling system used for self-service equipment - Google Patents

Automatic card swallowing and returning handling system used for self-service equipment Download PDF

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Publication number
WO2015024386A1
WO2015024386A1 PCT/CN2014/075437 CN2014075437W WO2015024386A1 WO 2015024386 A1 WO2015024386 A1 WO 2015024386A1 CN 2014075437 W CN2014075437 W CN 2014075437W WO 2015024386 A1 WO2015024386 A1 WO 2015024386A1
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Prior art keywords
card
customer
swallowing
automatic
control system
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PCT/CN2014/075437
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French (fr)
Chinese (zh)
Inventor
符小宝
高峰
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浙江万利九聚自动化技术有限公司
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Application filed by 浙江万利九聚自动化技术有限公司 filed Critical 浙江万利九聚自动化技术有限公司
Priority to CN201480054421.0A priority Critical patent/CN106233347A/en
Priority to JP2016532206A priority patent/JP2016527644A/en
Publication of WO2015024386A1 publication Critical patent/WO2015024386A1/en

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    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06K—GRAPHICAL DATA READING; PRESENTATION OF DATA; RECORD CARRIERS; HANDLING RECORD CARRIERS
    • G06K13/00—Conveying record carriers from one station to another, e.g. from stack to punching mechanism
    • G06K13/02—Conveying record carriers from one station to another, e.g. from stack to punching mechanism the record carrier having longitudinal dimension comparable with transverse dimension, e.g. punched card
    • G06K13/08—Feeding or discharging cards
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06K—GRAPHICAL DATA READING; PRESENTATION OF DATA; RECORD CARRIERS; HANDLING RECORD CARRIERS
    • G06K13/00—Conveying record carriers from one station to another, e.g. from stack to punching mechanism
    • G06K13/02—Conveying record carriers from one station to another, e.g. from stack to punching mechanism the record carrier having longitudinal dimension comparable with transverse dimension, e.g. punched card
    • G06K13/07—Transporting of cards between stations
    • G—PHYSICS
    • G07—CHECKING-DEVICES
    • G07F—COIN-FREED OR LIKE APPARATUS
    • G07F19/00—Complete banking systems; Coded card-freed arrangements adapted for dispensing or receiving monies or the like and posting such transactions to existing accounts, e.g. automatic teller machines
    • G07F19/20—Automatic teller machines [ATMs]

Definitions

  • the invention relates to an automatic swallow card processing system for self-service devices.
  • An automatic swallowing card processing system for a self-service device comprising: a card circulation mechanism and an automatic swallowing card control system, wherein the card circulation mechanism comprises a card box for storing cards, a card receiving mechanism for receiving and pushing cards, Selecting a card selection mechanism and a driving system for specifying a card to be ejected, wherein the card transmission mechanism and the card selection mechanism are all connected to a driving system for driving the movement; the driving system is connected to the automatic swallowing card control system;
  • the automatic swallowing card control system When the automatic swallowing card control system generates a card swallowing on the self-service device, an instruction to receive the swallowed card is issued to the driving system, and the driving system drives the card transmission mechanism to receive the card and store the card in the card box, and simultaneously Sending the storage location information of the card to the automatic swallowing card control system, and the automatic swallowing card control system records the card number, the transaction serial number, the card storage location, and the card swallowing time;
  • the swallowing card control system provides a prompt for confirming the identity information when the customer selects the self-service card return service. After the customer identity is confirmed, the storage location information of the card is sent to the drive system, and the drive system drives the card selection mechanism to select the card. The corresponding card in the box, and drive the card transmission mechanism to push the card in the card box to the customer.
  • the customer identity information confirmation step of the automatic swallowing card control system is as follows:
  • the automatic swallowing card control system After the customer inputs the transaction password, the automatic swallowing card control system sends the customer related information to the background system, and the background system confirms the identity information of the customer.
  • the technical idea of the present invention is to temporarily save the card through the card circulation mechanism when the card reader is swallowed in the financial self-service device; when the customer finds that the card is swallowed, the user can return to the self-service device of the swallow card, and select the self-service card. Service, then the customer enters the card number or ID number or the serial number of the transaction and the transaction password according to the prompt. After the automatic swallow card control system receives the corresponding information, it can send it to the bank's background system for identity verification, if the verification After passing, the temporarily stored user card is returned to the customer through the card circulation mechanism.
  • the invention has the beneficial effects that the utility model has the advantages of easy management, simple structure and safe use, and can return the swallow card to the customer in time.
  • FIG. 2 is a schematic view showing the structure of the card circulation mechanism of the present invention. detailed description
  • an automatic swallowing card processing system for a self-service device includes a card circulation mechanism and an automatic swallowing card control system 1.
  • the card circulation mechanism includes a card box 5 for storing cards, and card receiving and pushing.
  • the automatic swallowing card control system 1 issues an instruction to receive a swallowed card to the drive system 2 when a card is swallowed on the self-service device, and the drive system 2 drives the card drive mechanism 3 to receive the card and store the card on the card.
  • the storage location information of the card is simultaneously sent to the automatic swallowing card control system 1, and the automatic swallowing card control system 1 records the card number, the transaction serial number, the card storage location and the card swallowing time;
  • the card control system 1 gives a prompt for confirming the identity information.
  • the customer identity information confirmation step of the automatic swallowing card control system 1 is as follows:
  • the automatic swallowing card control system 1 After the customer inputs the transaction password, the automatic swallowing card control system 1 sends the customer related information to the background system, and the background system confirms the identity information of the customer.
  • the technical idea of the present invention is to temporarily save the card through the card circulation mechanism when the card reader is swallowed in the financial self-service device; when the customer finds that the card is swallowed, the user can return to the self-service device of the swallow card, and select the self-service card. Service, then the customer enters the card number or ID number or the serial number of the transaction and the transaction password according to the prompt. After the automatic swallow card control system 1 receives the corresponding information, it can send it to the bank's background system for identity verification. After the test passes, the temporarily stored user card is returned to the customer through the card circulation mechanism.

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  • Physics & Mathematics (AREA)
  • General Physics & Mathematics (AREA)
  • Engineering & Computer Science (AREA)
  • Theoretical Computer Science (AREA)
  • Business, Economics & Management (AREA)
  • Accounting & Taxation (AREA)
  • Finance (AREA)
  • Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)
  • Cash Registers Or Receiving Machines (AREA)

Abstract

An automatic card swallowing and returning handling system used for self-service equipment comprises a card circulation mechanism consisting of a card box (5), a card transmission mechanism (3), a card selection mechanism (4), and a drive system (2). Both the card transmission mechanism (3) and the card selection mechanism (4) are connected to the drive system (2); the drive system (2) is connected to an automatic card swallowing and returning control system (1). When the self-service equipment swallows a card, the automatic card swallowing and returning control system (1) sends, to the drive system (2), an instruction of receiving the swallowed card; the drive system (2) drives the card transmission mechanism (3) to receive the card, store the card in the card box (5), and send storage location information of the card to the automatic card swallowing and returning control system (1); when a client chooses an automatic card returning service, the automatic card swallowing and returning control system (1) gives an identity information confirming prompt, and after confirming the identity of the client, sends the storage location information of the card to the drive system (2); the drive system (2) drives the card selection mechanism (4) and the card transmission mechanism (3) to push out the card in the card box (5) to the client.

Description

说 明 书  Description
一种自助设备用的自动吞退卡处理系统  Automatic swallowing card processing system for self-service equipment
技术领域 Technical field
本发明涉及一种自助设备用的自动吞退卡处理系统。  The invention relates to an automatic swallow card processing system for self-service devices.
背景技术 Background technique
现有的金融自助设备， 在发生用户误操作、 忘取卡或者软件系统出现问题 时， 会采取将用户的卡吞入到读卡器其后的卡盒中。 如客户需取回卡， 需要根 据各银行的规定， 等待一段时间， 银行派出专人去处理， 在这个处理过程中， 需要较长的时间用户才能领回卡。 这样用户会对银行抱有很大的意见， 银行也 浪费人力。  Existing financial self-service devices, in the event of user misuse, forgetting the card or problems with the software system, will take the user's card into the card holder behind the card reader. If the customer needs to retrieve the card, it is necessary to wait for a period of time according to the regulations of each bank. The bank sends a special person to handle it. In this process, it takes a long time for the user to receive the card. In this way, the user will have a great opinion on the bank and the bank will waste manpower.
发明内容 Summary of the invention
本发明的目的在于提供一种使用安全、 方便管理、 可及时将吞卡还给客户 的自助设备用的自动吞退卡处理系统。  It is an object of the present invention to provide an automatic swallow card processing system for use in a self-service device that is safe, convenient, and capable of returning a swallow card to a customer in time.
为达到发明目的本发明采用的技术方案是：  The technical solution adopted by the present invention for the purpose of the invention is:
一种自助设备用的自动吞退卡处理系统， 其特征在于： 包括卡片循环机构 和自动吞退卡控制系统， 所述卡片循环机构包括存放卡片的卡箱、 卡片接收和 推送的卡片传动机构、 选择指定卡片出卡的卡片选择机构及驱动系统， 所述卡 片传动机构、 卡片选择机构均与驱动其运动的驱动系统连接； 所述驱动系统与 自动吞退卡控制系统连接；  An automatic swallowing card processing system for a self-service device, comprising: a card circulation mechanism and an automatic swallowing card control system, wherein the card circulation mechanism comprises a card box for storing cards, a card receiving mechanism for receiving and pushing cards, Selecting a card selection mechanism and a driving system for specifying a card to be ejected, wherein the card transmission mechanism and the card selection mechanism are all connected to a driving system for driving the movement; the driving system is connected to the automatic swallowing card control system;
所述自动吞退卡控制系统在自助设备上发生吞卡时， 发出接收被吞卡片的 指令给所述驱动系统， 所述驱动系统驱动卡片传动机构接收卡片并将卡片存放 于卡箱内， 同时将卡片的存放位置信息发送给自动吞退卡控制系统， 自动吞退 卡控制系统将卡号、 交易流水号、 卡片存放位置及吞卡时间作记录； 所述自动 吞退卡控制系统在客户选择自助退卡服务时， 给出确认身份信息的提示， 当客 户身份确认后， 将该卡片的存放位置信息发送给驱动系统， 所述驱动系统驱动 卡片选择机构选中卡箱内相应的卡片， 并驱动卡片传动机构将卡箱内该卡片推 送出给客户。 When the automatic swallowing card control system generates a card swallowing on the self-service device, an instruction to receive the swallowed card is issued to the driving system, and the driving system drives the card transmission mechanism to receive the card and store the card in the card box, and simultaneously Sending the storage location information of the card to the automatic swallowing card control system, and the automatic swallowing card control system records the card number, the transaction serial number, the card storage location, and the card swallowing time; The swallowing card control system provides a prompt for confirming the identity information when the customer selects the self-service card return service. After the customer identity is confirmed, the storage location information of the card is sent to the drive system, and the drive system drives the card selection mechanism to select the card. The corresponding card in the box, and drive the card transmission mechanism to push the card in the card box to the customer.
进一歩， 所述自动吞退卡控制系统的客户身份信息确认歩骤如下：  Further, the customer identity information confirmation step of the automatic swallowing card control system is as follows:
( 1 )给出客户是否保留有上次交易凭条的提示， 客户确认有保留上次交易 凭条， 则提示客户输入上次交易的流水号的信息；  (1) Give the customer a prompt to keep the last transaction receipt. If the customer confirms that the last transaction receipt is retained, the customer is prompted to enter the serial number of the last transaction;
( 2 ) 客户确认没有保留上次交易凭条， 则给出客户是否记得卡号的提示， 客户确认有保留银行卡号， 则提示客户输入银行卡号的信息；  (2) If the customer confirms that the last transaction receipt has not been retained, it gives a prompt for the customer to remember the card number. If the customer confirms that the bank card number is retained, the customer is prompted to enter the bank card number information;
( 3 ) 客户确认没有保留银行卡号， 则提示客户输入身份证号的信息； (3) If the customer confirms that the bank card number is not retained, the customer is prompted to enter the information of the ID number;
( 4 ) 当客户输入以上三种信息之一后， 给出客户输入卡片的交易密码的提 (4) When the customer enters one of the above three kinds of information, the transaction password of the customer input card is given.
( 5 )客户输入交易密码后， 所述自动吞退卡控制系统把客户相关信息发送 给后台系统， 由后台系统对客户的身份信息进行确认。 (5) After the customer inputs the transaction password, the automatic swallowing card control system sends the customer related information to the background system, and the background system confirms the identity information of the customer.
本发明的技术构思是当金融自助设备中读卡器发生吞卡情况时， 通过卡片 循环机构暂时保存卡片； 当客户发现卡片被吞后， 可以回到吞卡的自助设备上， 选择自助退卡服务， 然后客户根据提示输入卡号或身份证号或上笔交易的流水 号以及交易密码， 在自动吞退卡控制系统收到相应信息后， 可以发到银行的后 台系统进行身份校验， 如果检验通过， 则通过卡片循环机构将暂存的用户卡片 退还给客户。  The technical idea of the present invention is to temporarily save the card through the card circulation mechanism when the card reader is swallowed in the financial self-service device; when the customer finds that the card is swallowed, the user can return to the self-service device of the swallow card, and select the self-service card. Service, then the customer enters the card number or ID number or the serial number of the transaction and the transaction password according to the prompt. After the automatic swallow card control system receives the corresponding information, it can send it to the bank's background system for identity verification, if the verification After passing, the temporarily stored user card is returned to the customer through the card circulation mechanism.
本发明有益效果： 易于管理， 结构简单， 使用安全， 可及时将吞卡还给客 户。  The invention has the beneficial effects that the utility model has the advantages of easy management, simple structure and safe use, and can return the swallow card to the customer in time.
附图说明 图 1是本发明的原理框图。 DRAWINGS BRIEF DESCRIPTION OF THE DRAWINGS Figure 1 is a schematic block diagram of the present invention.
图 2是本发明的卡片循环机构的结构示意图。 具体实施方式  Figure 2 is a schematic view showing the structure of the card circulation mechanism of the present invention. detailed description
下面结合具体实施例来对本发明进行进一歩说明， 但并不将本发明局限于 这些具体实施方式。 本领域技术人员应该认识到， 本发明涵盖了权利要求书范 围内所可能包括的所有备选方案、 改进方案和等效方案。  The invention will be further described with reference to the specific embodiments, but the invention is not limited to these specific embodiments. Those skilled in the art will recognize that the present invention encompasses all alternatives, modifications, and equivalents that may be included within the scope of the claims.
参照图 1、 图 2， 一种自助设备用的自动吞退卡处理系统， 包括卡片循环机 构和自动吞退卡控制系统 1， 所述卡片循环机构包括存放卡片的卡箱 5、 卡片接 收和推送的卡片传动机构 3、选择指定卡片出卡的卡片选择机构 4及驱动系统 2， 所述卡片传动机构 3、卡片选择机构 4均与驱动其运动的驱动系统 2连接； 所述 驱动系统 2与自动吞退卡控制系统 1连接；  Referring to FIG. 1 and FIG. 2, an automatic swallowing card processing system for a self-service device includes a card circulation mechanism and an automatic swallowing card control system 1. The card circulation mechanism includes a card box 5 for storing cards, and card receiving and pushing. The card transmission mechanism 3, the card selection mechanism 4 for selecting the card to be issued, and the drive system 2, wherein the card transmission mechanism 3 and the card selection mechanism 4 are connected to the drive system 2 for driving the movement; the drive system 2 and the automatic The swallowing card control system 1 is connected;
所述自动吞退卡控制系统 1 在自助设备上发生吞卡时， 发出接收被吞卡片 的指令给所述驱动系统 2，所述驱动系统 2驱动卡片传动机构 3接收卡片并将卡 片存放于卡箱 5内， 同时将卡片的存放位置信息发送给自动吞退卡控制系统 1， 自动吞退卡控制系统 1将卡号、 交易流水号、 卡片存放位置及吞卡时间作记录; 所述自动吞退卡控制系统 1 在客户选择自助退卡服务时， 给出确认身份信息的 提示， 当客户身份确认后， 将该卡片的存放位置信息发送给驱动系统 2， 所述驱 动系统 2驱动卡片选择机构 4选中卡箱 5内相应的卡片，并驱动卡片传动机构 3 将卡箱 5内该卡片推送出给客户。 所述自动吞退卡控制系统 1的客户身份信息确认歩骤如下：  The automatic swallowing card control system 1 issues an instruction to receive a swallowed card to the drive system 2 when a card is swallowed on the self-service device, and the drive system 2 drives the card drive mechanism 3 to receive the card and store the card on the card. In the box 5, the storage location information of the card is simultaneously sent to the automatic swallowing card control system 1, and the automatic swallowing card control system 1 records the card number, the transaction serial number, the card storage location and the card swallowing time; When the customer selects the self-service card return service, the card control system 1 gives a prompt for confirming the identity information. After the customer identity is confirmed, the storage location information of the card is sent to the drive system 2, and the drive system 2 drives the card selection mechanism 4 The corresponding card in the card box 5 is selected, and the card transmission mechanism 3 is driven to push the card in the card box 5 to the customer. The customer identity information confirmation step of the automatic swallowing card control system 1 is as follows:
( 1 )给出客户是否保留有上次交易凭条的提示， 客户确认有保留上次交易 凭条， 则提示客户输入上次交易的流水号的信息；  (1) Give the customer a prompt to keep the last transaction receipt. If the customer confirms that the last transaction receipt is retained, the customer is prompted to enter the serial number of the last transaction;
(2 ) 客户确认没有保留上次交易凭条， 则给出客户是否记得卡号的提示， 客户确认有保留银行卡号， 则提示客户输入银行卡号的信息； (2) If the customer confirms that the last transaction receipt has not been retained, it gives a prompt for the customer to remember the card number. If the customer confirms that the bank card number is reserved, the customer is prompted to enter the bank card number information;
( 3 ) 客户确认没有保留银行卡号， 则提示客户输入身份证号的信息； (3) If the customer confirms that the bank card number is not retained, the customer is prompted to enter the information of the ID number;
( 4 ) 当客户输入以上三种信息之一后， 给出客户输入卡片的交易密码的提 (4) When the customer enters one of the above three kinds of information, the transaction password of the customer input card is given.
( 5 )客户输入交易密码后， 所述自动吞退卡控制系统 1把客户相关信息发 送给后台系统， 由后台系统对客户的身份信息进行确认。 (5) After the customer inputs the transaction password, the automatic swallowing card control system 1 sends the customer related information to the background system, and the background system confirms the identity information of the customer.
本发明的技术构思是当金融自助设备中读卡器发生吞卡情况时， 通过卡片 循环机构暂时保存卡片； 当客户发现卡片被吞后， 可以回到吞卡的自助设备上， 选择自助退卡服务， 然后客户根据提示输入卡号或身份证号或上笔交易的流水 号以及交易密码， 在自动吞退卡控制系统 1 收到相应信息后， 可以发到银行的 后台系统进行身份校验， 如果检验通过， 则通过卡片循环机构将暂存的用户卡 片退还给客户。  The technical idea of the present invention is to temporarily save the card through the card circulation mechanism when the card reader is swallowed in the financial self-service device; when the customer finds that the card is swallowed, the user can return to the self-service device of the swallow card, and select the self-service card. Service, then the customer enters the card number or ID number or the serial number of the transaction and the transaction password according to the prompt. After the automatic swallow card control system 1 receives the corresponding information, it can send it to the bank's background system for identity verification. After the test passes, the temporarily stored user card is returned to the customer through the card circulation mechanism.

Claims

权 利 要 求 书 Claim
1.一种自助设备用的自动吞退卡处理系统， 其特征在于： 包括卡片循环机 构和自动吞退卡控制系统， 所述卡片循环机构包括存放卡片的卡箱、 卡片接收 和推送的卡片传动机构、 选择指定卡片出卡的卡片选择机构及驱动系统， 所述 卡片传动机构、 卡片选择机构均与驱动其运动的驱动系统连接； 所述驱动系统 与自动吞退卡控制系统连接；  An automatic swallowing card processing system for a self-service device, comprising: a card circulation mechanism and an automatic swallowing card control system, wherein the card circulation mechanism comprises a card box for storing cards, a card receiving and pushing card driving a mechanism, a card selection mechanism and a drive system for selecting a card to be issued, wherein the card transmission mechanism and the card selection mechanism are connected to a drive system for driving the movement; the drive system is connected to the automatic swallowing card control system;
所述自动吞退卡控制系统在自助设备上发生吞卡时， 发出接收被吞卡片的 指令给所述驱动系统， 所述驱动系统驱动卡片传动机构接收卡片并将卡片存放 于卡箱内， 同时将卡片的存放位置信息发送给自动吞退卡控制系统， 自动吞退 卡控制系统将卡号、 交易流水号、 卡片存放位置及吞卡时间作记录； 所述自动 吞退卡控制系统在客户选择自助退卡服务时， 给出确认身份信息的提示， 当客 户身份确认后， 将该卡片的存放位置信息发送给驱动系统， 所述驱动系统驱动 卡片选择机构选中卡箱内相应的卡片， 并驱动卡片传动机构将卡箱内该卡片推 送出给客户。  When the automatic swallowing card control system generates a card swallowing on the self-service device, an instruction to receive the swallowed card is issued to the driving system, and the driving system drives the card transmission mechanism to receive the card and store the card in the card box, and simultaneously Sending the storage location information of the card to the automatic swallowing card control system, the automatic swallowing card control system records the card number, the transaction serial number, the card storage location and the card swallowing time; the automatic swallowing card control system selects the self-service in the customer When the card return service is provided, a prompt for confirming the identity information is given. After the customer identity is confirmed, the storage location information of the card is sent to the drive system, and the drive system drives the card selection mechanism to select the corresponding card in the card box and drive the card. The transmission mechanism pushes the card in the card box to the customer.
2.根据权利要求 1 所述的一种自助设备用的自动吞退卡处理系统， 其特征 在于： 所述自动吞退卡控制系统的客户身份信息确认歩骤如下：  The automatic swallowing card processing system for a self-service device according to claim 1, wherein: the customer identity information confirmation step of the automatic swallowing card control system is as follows:
( 1 )给出客户是否保留有上次交易凭条的提示， 客户确认有保留上次交易 凭条， 则提示客户输入上次交易的流水号的信息；  (1) Give the customer a prompt to keep the last transaction receipt. If the customer confirms that the last transaction receipt is retained, the customer is prompted to enter the serial number of the last transaction;
( 2 ) 客户确认没有保留上次交易凭条， 则给出客户是否记得卡号的提示， 客户确认有保留银行卡号， 则提示客户输入银行卡号的信息；  (2) If the customer confirms that the last transaction receipt has not been retained, it gives a prompt for the customer to remember the card number. If the customer confirms that the bank card number is retained, the customer is prompted to enter the bank card number information;
( 3 ) 客户确认没有保留银行卡号， 则提示客户输入身份证号的信息； (3) If the customer confirms that the bank card number is not retained, the customer is prompted to enter the information of the ID number;
( 4 ) 当客户输入以上三种信息之一后， 给出客户输入卡片的交易密码的提 (5)客户输入交易密码后， 所述自动吞退卡控制系统把客户相关信息发送 给后台系统， 由后台系统对客户的身份信息进行确认。 (4) When the customer enters one of the above three kinds of information, the transaction password of the customer input card is given. (5) After the customer inputs the transaction password, the automatic swallowing card control system sends the customer related information to the background system, and the background system confirms the identity information of the customer.
PCT/CN2014/075437 2013-08-20 2014-04-16 Automatic card swallowing and returning handling system used for self-service equipment WO2015024386A1 (en)

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