CN101493973B - Cash dealing system and method - Google Patents
Cash dealing system and method Download PDFInfo
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- CN101493973B CN101493973B CN 200810177414 CN200810177414A CN101493973B CN 101493973 B CN101493973 B CN 101493973B CN 200810177414 CN200810177414 CN 200810177414 CN 200810177414 A CN200810177414 A CN 200810177414A CN 101493973 B CN101493973 B CN 101493973B
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Abstract
The invention is a cash transaction system and method, which comprises that a terminal system of a card issuer and a cash automatic transaction device sends the captured mug shot and the read mug shot of ID card to a host machine, and enables the issue of the card and the transaction of a transaction executing part effective according to the result determined by the host machine. The host machine comprises a person comparison part which compares the obtained mug shots of the customer and the ID card, and calculates the comparison ratio of the customer; a determination part which determines whether to issue card according to comparison result; a determination part which determines whether the customer executes transaction or not; a transaction record storing part which stores transaction record of customers transacting in a terminal system; and a mug shot storing part which stores mug shots obtained through a ID card reading part and a camera. The determination part for determining whether to issue card or not determines whether to issue card based on the calculated comparison ratio, while the determination part for determining whether to transact determines whether to execute the transaction based on the calculated comparison ratio.
Description
Technical field
The present invention relates to cash dealing system and method, relate in particular to function that comprises distribution cash card (being designated hereinafter simply as card) and the cash self-service dealing system and the method for commerce that can utilize the function of this transaction that sticks into capable cash.
Background technology
When the user want to carry out money transaction in financial institution, general, at first, the user went to the window of financial institution, and inserting in application form needs item and open an account, and utilized the card of mailing to oneself afterwards, concluded the business afterwards.The user can go up to utilize and stick into capable money transaction at cash automated trading device (being called ATM).
Nearest in addition, universal day by day at ATM such as financial institution, convenience stores, for the demand rising of client's issuing card.During from card issuing machine automatic issuing card, need to confirm that the user is proper I.
About confirming proper I, in patent documentation 1, a kind of terminal system is disclosed: when client utilizes the terminal in the unmanned shop of carrying out procedure for admission in consumer financial institution, driver's license etc. being comprised the mug shot that the mug shot of I.D. of client's mug shot obtains with taking client's face then and there compares, when the contrast rate is certain above, this client is permitted affiliation.
Patent documentation 1: 2000-No. 331157 communiques of TOHKEMY
But, in the technology of patent documentation 1, when the contrast rate of mug shot is certain following, need send the mug shot of I.D. and the mug shot of actual photographed, carry out my affirmation by contrasting two facial photos once more the operator of this place to the control terminal of higher level's side.Therefore, have the operator to exist for I confirm, then be difficult to realize robotization completely, the technology of patent documentation 1 can not be applicable to automatic trading apparatus such as ATM.
Summary of the invention
The objective of the invention is to, realize a kind of need not by I that take on that personnel carry out confirm, can issuing card and can utilize the transaction system and the method for the transaction that sticks into capable cash of distribution.
The cash dealing system that the present invention relates to preferably includes: terminal system, connect via network, and can carry out the transaction of cash at least by user's operation; And main frame, carrying out the processing that is used for money transaction at least of in this terminal system, concluding the business, this cash dealing system is characterized in that, constitutes,
This terminal system has: video camera (camera), shooting user's face; Card distribution department is to user's issuing card; The I.D. reading part reads the I.D. that the user inserts; Transaction execution portion carries out the transaction that the user selects; The card reading part reads the card that the user inserts; Operating portion comprises the display part of the guide that input part and demonstration by user operation are used to conclude the business; And control part, the control video camera, card distribution department, the I.D. reading part, transaction execution portion, card reading part and operating portion, the user's that this control part will be taken by this video camera mug shot is that the mug shot of user's mug shot and this I.D. of being read by this I.D. reading part is that the I.D. mug shot is sent to this main frame, result according to the judgement of being undertaken by this main frame, make the distribution of the card that is undertaken by this card distribution department, or the transaction of being undertaken by this transaction execution portion is effective
This main frame has: my comparing part contrasts this user's mug shot and this I.D. mug shot of being obtained by this terminal system, and calculates this user's contrast rate; Card could be issued detection unit, judges based on the results of comparison of being undertaken by this comparing part and could issue this card; The detection unit of could concluding the business is judged and could be carried out transaction for this user; Transaction resume storage part is stored the transaction resume with the user of this terminal system transaction; And mug shot storage part, this I.D. mug shot of the user that storage is obtained by this I.D. reading part, this user's mug shot of obtaining by this video camera, this card could be issued detection unit and judge that based on the contrast rate that calculated by this comparing part card could issue, and this detection unit of could concluding the business judges that based on the contrast rate that is calculated by this comparing part this transaction could carry out.
In preference, a kind of cash dealing system is provided, above-mentioned terminal system comprises: the card issuing machine, corresponding to user's operation issuing card; And cash automated trading device, carry out the transaction of cash corresponding to user's operation,
This card issuing machine has: above-mentioned video camera, shooting user's mug shot; Above-mentioned card distribution department is to user's issuing card; Above-mentioned I.D. reading part reads the I.D. that the user inserts; Aforesaid operations portion comprises the display part of the guide that input part and demonstration by user operation are used to conclude the business; And above-mentioned control part, control these each ones, when the transaction of on this operating portion, having selected account to offer by the user, this control part will be sent to main frame by this user's mug shot of this video camera shooting with by this I.D. mug shot that this I.D. reading part reads, could issue text for blocking issuing card under the issuable situation at the card that comes from this main frame
This cash automated trading device has: above-mentioned video camera, shooting user's mug shot; Above-mentioned transaction execution portion carries out the transaction that the user selects; Above-mentioned card reading part reads the card that the user inserts; Aforesaid operations portion comprises the display part of the guide that input part and demonstration by user operation are used to conclude the business; And above-mentioned control part, control these each ones, this control part will be sent to this main frame by this user's mug shot that this video camera is taken, and conclude the business for carrying out under the situation about can conclude the business at the text of could concluding the business that comes from this main frame.
Preferred in addition a kind of cash dealing system, under the situation of the transaction of having selected account to offer in the aforesaid operations portion by the user, the above-mentioned card of above-mentioned main frame could be issued the relation that detection unit is judged contrast rate that is calculated by this comparing part and the boundary contrast rate of being scheduled to, when the result of this judgement is this contrast rate with respect to this boundary contrast rate for the concerning of regulation, to the additional intrinsic identification id of this user's mug shot of sending from this terminal system and this I.D. mug shot and be stored in above-mentioned mug shot storage part.
Preferred in addition a kind of cash dealing system, can import the transaction that the intrinsic encrypted message of this user and account are offered by aforesaid operations portion, this encrypted message that the above-mentioned control part of above-mentioned terminal system will be imported, as the relevant information of offering with account of transaction of type of transaction, send to this main frame
The above-mentioned card of above-mentioned main frame could be issued the relation that detection unit is judged contrast rate that is calculated by this comparing part and the boundary contrast rate of being scheduled to, when the result of this judgement is this contrast rate with respect to this boundary contrast rate for the concerning of regulation, this encrypted message that receives is stored in storage part.
The present invention also holds acquisition as the method for commerce in the cash dealing system in addition.The method of commerce in the cash dealing system preferably, this cash dealing system comprises: terminal system, connect via network, can carry out the transaction of cash at least by user's operation; And main frame, carrying out the processing that is used for money transaction at least of in this terminal system, concluding the business, this cash transaction method is characterized in that, constitutes,
In this terminal system, have: the step of taking user's face with video camera; Step to user's issuing card; Read the step of the I.D. of user's insertion by reading part; Execution is by the step of the transaction of user's selection; Read the step of the card of user's insertion by reading part; Accept the step of the operation input undertaken by the user via operating portion; The user's that will be taken by this video camera mug shot is that the mug shot of user's mug shot and this I.D. of being read by this I.D. reading part is the step that the I.D. mug shot is sent to this main frame; And, make the distribution of the card that is undertaken by this card distribution department or the effective step of transaction of being undertaken by this transaction execution portion according to the result of the judgement of being undertaken by this main frame,
In this main frame, have: this user's mug shot and this I.D. mug shot of being obtained by this terminal system contrasted, and calculate the step of this user's contrast rate; Judge the step that to issue this card based on this results of comparison; Judgement could be carried out the step of transaction to this user; The user's that will conclude the business in this terminal system transaction resume are stored to the step of transaction resume storage part; This I.D. mug shot of the user that will be obtained by this I.D. reading part, this user's mug shot of being obtained by this video camera are stored to the step of mug shot storage part; And judge that based on the contrast rate of in this contrast, calculating card could issue, and judge the step that this transaction could be carried out based on the contrast rate of calculating in this contrast.
According to the present invention, can realize need not being undertaken by the operator I confirm, can issuing card and can utilize the transaction system of the transaction that sticks into capable cash of distribution.
Description of drawings
Fig. 1 is the integrally-built figure of the cash dealing system among expression one embodiment.
Fig. 2 is the figure of the structure of expression transaction resume database 105.
Fig. 3 is the figure of the structure in the facial picture data of expression storehouse 106.
Fig. 4 is the figure of the treatment scheme in the expression card issuing machine 11.
Fig. 5 is the figure of the treatment scheme among the expression ATM12.
Fig. 6 is the figure (its 1) of the treatment scheme in the expression main frame 10.
Fig. 7 is the figure (its 2) of the treatment scheme in the expression main frame 10.
Fig. 8 is the figure with the transition of representing to accumulate the contrast rate.
Fig. 9 is the figure with the transition of curve representation accumulation contrast rate.
Symbol description
10: main frame (host)
101: my comparing part
102: card could be issued detection unit
103: the detection unit of could concluding the business
104: the Crypted password storage area
105: transaction resume database
106: the mug shot database
18: network
19: the branch
11: card distribution department
110: control part
112: video camera
113: card distribution department
114: the I.D. reading part
12：ATM
120: control part
122: video camera
113: the card reading part
114: transaction execution portion
Embodiment
Below, utilize accompanying drawing that embodiments of the present invention are described.
Fig. 1 is the integrally-built figure of the cash dealing system that provides of expression one embodiment.
This system constitutes: via network 18, and the main frame (host computer is called host) 10 that the center that is connected is provided with and card issuing machine 11 and many ATM12 that are provided with in the branch.
When the user offered new account in financial institution, 11 couples of these users of card issuing machine issued the new card that the management information of the regulation that comprises account number has been carried out record.The user can utilize this to stick on ATM12 and advance money or go out money, inquiry into balance, transaction such as deposit in.And account is offered and is also regarded a kind of transaction as in this example.
ATM12 constitutes to have: video camera 122, shooting user's mug shot; Block reading part 123, read the information of the card of user's insertion; Transaction execution portion 124 carries out the relevant processing of selecting with the user of transaction on the operating portion of ATM12; And control part 110, control these each unit and handle the information relevant with transaction.
The mechanism of the information that transaction execution portion 115 has the mechanism of turnover bank note, typewriting and distribution are relevant with transaction on detailed bill, each mechanism such as mechanism that bankbook is typewrited, but omit these detailed diagrams in the present embodiment.Equally, though not shown, ATM12 has operating portion, and this operating portion possesses: input part, operate by the user in order to conclude the business; And display part, the information that the guide of display operation etc. are necessary.The operating portion that comprises these input parts and display part for example is made of touch pad.
Computing machine has: my comparing part 101, calculate contrast rate based on the mug shot of user's mug shot and I.D. as me; Card could be issued detection unit 102, and the user of card issuing machine 11 is judged could issuing card; And the detection unit 103 of could concluding the business, could carry out transaction to user's judgement of ATM12.These functions realize by executive utility on computers.
Database has in addition: Crypted password storage area 104, and each user is encrypted this user's password (encrypted message) and deposits; Transaction resume database 105 is deposited the resume of each user's transaction; And mug shot database 106, when each transaction, deposit the user's of card issuing machine 11 or ATM12 the image of mug shot.
Fig. 2 represent to conclude the business structure of resume database 105.
At this, so-called contrast rate is result that I.D. mug shot and actual user's mug shot of being taken by video camera are contrasted, represents that both have the numerical value of the similar degree of which kind of degree.In addition, so-called accumulation contrast rate, the numerical value that the data of the contrast rate of calculating when being meant each transaction multiply each other.
For example, as shown in Figure 8, the 1st time accumulation contrast rate is 1.000, multiply by 0.950 or 0.700 successively thereafter at every turn.Therefore, 0.815 of the 5th can be calculated with 0.950 4 powers.In fact, can expect that the contrast rate changes at every turn knifeedge, so
The 1st accumulation contrast rate=1.000
The 2nd accumulation contrast rate=the 1st accumulation contrast rate (1.000) * 2nd time contrast rate (0.950)=0.950
The 3rd accumulation contrast rate=the 2nd accumulation contrast rate (0.950) * 3rd time contrast rate (0.945)=0.898
The 4th accumulation contrast rate=the 3rd accumulation contrast rate (0.898) * the 4th contrast rate (0.956)=0.858
Fig. 3 represents the structure in facial picture data storehouse 106.
Mug shot database 106 is deposited the view data 301 by video camera 122 or 112 users' that take mug shot.Give mug shot ID205 corresponding to each mug shot, this ID205 deposits in the mug shot ID205 of transaction resume database 105.
Fig. 4 represents the treatment scheme in the card issuing machine 11.
If receive the insertion (S401) of the I.D. that is undertaken by the user, then I.D. reading part 114 reads in the mug shot of representing on the I.D. (I.D. mug shot).In addition, video camera 112 shooting users' mug shot (user's mug shot) (S403).
In addition, receive the input from the password of input part by the user, the password of 110 pairs of inputs of control part is encrypted (S404).This encrypted password becomes the user and utilizes this to be stuck in the information of using when concluding the business on the ATM12.
Then, control part 110 will comprise that (1) Crypted password, (2) send (S405) as " account is offered ", (3) I.D. mug shot of type of transaction, the text of (4) user's mug shot to main frame 10.On main frame 10, contrast mug shot and carry out user's affirmation.Wherein, wait until aftermentioned for this processing action with reference to Fig. 6,7.
Thereafter, card issuing machine 11 receives from the card of main frame 10 transmissions and could issue text (S406).Control part 110 is judged could issuing card (S407).This result of determination be " can " time, discharge card and issue (S408) from card distribution department 113, return I.D. and finish a series of processing (S409) to the user.On the other hand, when card could be distributed as "No" in above-mentioned judgement, issuing card was not returned I.D. and is finished (S409) to the user.
Fig. 5 represents the treatment scheme on the ATM12.
If receive the insertion (S501) of the card that is undertaken by the user, then control part 120 is accepted the password input and is encrypted (S502).In addition, the mug shot (user's mug shot) of taking users by video camera 122 (S503).Accept the selection (S504) of user from the type of transaction of input part input.As type of transaction, there is income to conclude the business, go out money transaction, remaining sum contrast transaction, deposit transaction etc. in.Then, corresponding to selecteed type of transaction, accept the input (S505) of necessary information.For example, under the situation of income transaction, the count results and the affirmation that this result is the income amount of money that are the currency and coins of actual input are handled, the situation that goes out money transaction is the appointment that the money amount of money, and the situation that deposits transaction in is followed the signal input of the account number that deposits the amount of money in and deposit object in etc.
If finished the input of the necessary information of concluding the business, then control part 120 will comprise that the text of (1) Crypted password, (2) type of transaction, (3) transaction necessary information, (4) user's mug shot sends (S506) to main frame 10.Carrying out user's the authentication and the renewal of Transaction Information on main frame 10 handles.
Thereafter, ATM11 receives the text (S507) of could concluding the business that sends from main frame 10.What then, control part 120 was judged this transaction of being selected by the user could (S508).The result who judges, conclude the business into " can " time, carry out these transaction (S509) by transaction execution portion 124, return card and finish a series of transaction (S510) to the user at last.On the other hand, the result of judgement when concluding the business to "No", does not carry out this transaction, returns card and end to the user.
Then, with reference to Fig. 6 and Fig. 7, the processing in the main frame 10 is described.
This processing is the processing in the main frame 10 of user when utilizing card issuing machine 11 or ATM12.
At first, if receive from the text (S601) of card issuing machine 11 or ATM12 transmission, the type of transaction in the text of the 103 pairs of receptions of detection unit of then could concluding the business is judged (S602).The result who judges is that execute card could be issued the processing that detection unit 102 carries out under the account situation about offering in type of transaction.That is, use I.D. mug shot and user's mug shot, comparing part 101 is calculated contrast rate (S603) as above-mentioned example in person.
Then, judge whether this contrast rate is boundary contrast rate above (S604).So-called boundary contrast rate is expression to I.D. mug shot and user's mug shot is in person or the numerical value of others' boundary when judging.This boundary contrast rate preestablishes and is stored in the storage part of database.
The result of this judgement, could issue text as card and send "No" and finish (S605) during less than boundary contrast rate for the contrast rate calculated.On the other hand, in the contrast rate of calculating is that boundary contrast rate is when above, in Crypted password storage area 104, transaction resume database 105, mug shot database 106, make new project (S606), the Crypted password in the text that receives is deposited in Crypted password storage area 104 (S607).
Promptly, in the row of the item No. 201=0001 of transaction resume database 105, deposit present time on date of trade date time 202=, type of transaction 203=" account is offered ", dealing money 204="-", mug shot ID205=" 00000001 ", this contrast rate 206=" the contrast rate of calculating ", contrast number of times 207=" 1 ", accumulation contrast rate 208=" the contrast rate of calculating ".
Then, I.D. mug shot in the text is given mug shot ID (205)=" 00000001 " and deposited in mug shot database 106 (S609), the user's mug shot in the text is deposited in mug shot database 106 (S610) as mug shot ID (205)=" 00000001 ".Then, could issue text, send "No" and finish (S611) as card.
In step S602, judge the result of type of transaction, in type of transaction is that income is concluded the business, gone out money transaction, inquiry into balance transaction, deposits under the situation of common transaction such as transaction, by the detection unit 103 execution processing (S602 → A (with reference to Fig. 7)) related with these of could concluding the business.That is, the Crypted passwords in Crypted password in my 101 pairs of texts of comparing part and the Crypted password storage area 104 compare, and judge Crypted password whether consistent (S613).Its result when Crypted password is inconsistent, sends "No" and finishes (S614) as the text of could concluding the business.
On the other hand, when Crypted password is consistent, using the mug shot of mug shot ID (205)=" 00000000 " in interior user's mug shot of text and the mug shot database 106 is the I.D. mug shot, calculates contrast rates (S615) by my comparing part 101.
Then, up-to-date accumulation contrast rate 208 in the transaction resume database 105 and this contrast rate are multiplied each other, recomputate accumulation contrast rate (S616).Then, judge whether this new accumulation contrast rate is boundary contrast rate above (S617), less than boundary contrast rate the time,, send "No" and finish (S614) as the text of could concluding the business.
On the other hand, in new accumulation contrast rate is that boundary contrast rate is when above, in the next project of the up-to-date item No. 201 in transaction resume database 105, deposit the present time on date of trade date time 202=respectively, type of transaction 203, dealing money 204, mug shot ID205=" the mug shot ID (205)+1 of top project ", this contrast rate 206=" the contrast rate of in step S615, calculating ", contrast number of times 207=" the contrast number of times (207)+1 of top project ", accumulation contrast rate (208)=" the new accumulation contrast rate of in step S616, calculating ".
Afterwards, judge whether the contrast number of times is regulation contrast number of times above (S619).At this, so-called regulation contrast number of times is to be under the situation more than the boundary contrast rate accumulating for several times the contrast rate continuously, and the user who is used to assert ATM is my number of times of I.D..When contrasting number of times less than regulation contrast number of times, as the text of could concluding the business, send " can " and end (S621).On the other hand, the contrast number of times is when stipulating that the contrast number of times is above, in transaction resume database 105, make this contrast number of times 207 be " 1 ", accumulation contrast rate 208 when making last time, contrast number of times 207 for " 1 " is this accumulation contrast rate 208 (S620), as the text of could concluding the business, send " can " and end (S621).
Fig. 8 is the table of the transition of the accumulation contrast rate in the expression present embodiment.
Usually, the contrast rate changes when the user utilizes card issuing machine or ATM at every turn, but this table in for simply, be each fixed value.It is each contrast rate, and the situation for (1) 0.950, (2) 0.950, (3) 0.700 is calculated accumulation contrast rate.In the example of (2), be set at 1.000 utilizing number of times the 6th time and will accumulate the contrast rate the 11st time, this point is different with the example of (1).
Fig. 9 is the figure with the transition of the accumulation contrast rate of curve representation Fig. 8.
Compare at this and boundary contrast rate=0.800.If observe Fig. 7 and Fig. 8, then learn following situation.
(1) when each contrast rate=0.950, the accumulation contrast rate of utilizing the 1st time～the 5th of number of times is for more than the boundary contrast rate.At this moment, the user can utilize card issuing machine 11 and ATM12, but cannot utilize after the 6th time.
(2) when each contrast rate=0.950, utilizing number of times the 6th time and will accumulate the contrast rate for the 11st time when being set at 1.000, whole accumulation contrast rates of utilizing on the number of times are for more than the boundary contrast rate.At this moment, the user always can utilize card issuing machine 11 and ATM12.
(3) when each contrast rate=0.700, only utilizing number of times the 1st time, the user can utilize.Owing to have the 1st time, so only can utilize card issuing machine 11.ATM12 then can't utilize for 1 time.
Like this, according to present embodiment, be not the contrast rate during only by each contrast rate but by the transaction before the accumulation, thereby I can be utilized, and other people cannot utilize.
And the present invention is not limited to the foregoing description, implements and can carry out various deformation.For example, be that the I.D. mug shot is deposited in example in the mug shot database 106 in the main frame 10 in the above-described embodiments, but be under the situation of IC-card, also the I.D. mug shot can be deposited in the IC-card at cash card.
In addition, be on card issuing machine 11, to use the example of I.D. in the above-described embodiments, but also can not want I.D., always can issuing card, and only calculate the contrast rate during utilizing on ATM12.At this moment, as the I.D. mug shot in the mug shot database 106, use user's mug shot of being taken by card issuing machine 11, the accumulation contrast rate 208 of establishing the item No. 201=" 0001 " in the transaction resume database 105 is 1.000 to get final product.
In addition,, also can block issuing machine not as the device of monomer as other examples, and by making ATM12 possess the function of this card issuing machine, thereby both functions on the ATM12 of monomer, possessed.At this moment, a kind of as the type of transaction of ATM12 adds the card distribution and getting final product.According to this structure, the video camera that both can be had is respectively economized slightly 1.
And term of Shi Yonging and call thereof are examples in the above-described embodiments, only otherwise exceed purport of the present invention, also can be other word or call.For example, about the call of the function portion in the main frame, I also can only be called comparing part at comparing part, perhaps also can be called user's contrast rate calculating part or control treatment portion.
Claims (7)
1. cash dealing system comprises: terminal system, connect via network, and can carry out the transaction of cash at least by user's operation; And main frame, carry out the processing that is used for money transaction at least of in this terminal system, concluding the business, in this cash dealing system,
This terminal system has:
Video camera, shooting user's face;
Card distribution department is to user's issuing card;
The I.D. reading part reads the I.D. that the user inserts;
Transaction execution portion carries out the transaction that the user selects;
The card reading part reads the card that the user inserts;
Operating portion comprises the display part of the guide that input part and demonstration by user operation are used to conclude the business; And
Control part, control video camera, card distribution department, I.D. reading part, transaction execution portion, card reading part and operating portion,
The user's that this control part will be taken by this video camera mug shot is that the mug shot of user's mug shot and this I.D. of being read by this I.D. reading part is that the I.D. mug shot is sent to this main frame, result according to the judgement of being undertaken by this main frame, the transaction that makes the distribution of the card that is undertaken by this card distribution department or undertaken by this transaction execution portion is effective
This main frame has:
Comparing part contrasts this user's mug shot and this I.D. mug shot of being obtained by this terminal system, and calculates this user's contrast rate in person;
Card could be issued detection unit, judges based on the results of comparison of this comparing part and could issue this card;
The detection unit of could concluding the business is judged and could be carried out transaction for this user;
Transaction resume storage part is stored the transaction resume with the user of this terminal system transaction; And
The mug shot storage part, this I.D. mug shot of the user that storage is obtained by this I.D. reading part, this user's mug shot of obtaining by this video camera,
This card could be issued detection unit and could issue based on the contrast rate judgement card that is calculated by this comparing part,
This detection unit of could concluding the business judges that based on the contrast rate that is calculated by this comparing part this transaction could carry out.
2. as the cash dealing system of claim 1 record, wherein,
Above-mentioned terminal system comprises: the card issuing machine, corresponding to user's operation issuing card; And cash automated trading device, carry out the transaction of cash corresponding to user's operation,
This card issuing machine has:
Above-mentioned video camera, shooting user's mug shot;
Above-mentioned card distribution department is to user's issuing card;
Above-mentioned I.D. reading part reads the I.D. that the user inserts;
Aforesaid operations portion comprises the display part of the guide that input part and demonstration by user operation are used to conclude the business; And
Above-mentioned control part is controlled above-mentioned video camera, above-mentioned card distribution department, above-mentioned I.D. reading part and aforesaid operations portion,
When the transaction of on this operating portion, having selected account to offer by the user,
This control part will be sent to main frame by this user's mug shot of this video camera shooting with by this I.D. mug shot that this I.D. reading part reads, and could issue text at the card that comes from this main frame is issuing card under the issuable situation of card,
This cash automated trading device has:
Above-mentioned video camera, shooting user's mug shot;
Above-mentioned transaction execution portion carries out the transaction that the user selects;
Above-mentioned card reading part reads the card that the user inserts;
Aforesaid operations portion comprises the display part of the guide that input part and demonstration by user operation are used to conclude the business; And
Above-mentioned control part is controlled above-mentioned video camera, above-mentioned transaction execution portion, above-mentioned card reading part and aforesaid operations portion,
This control part will be sent to this main frame by this user's mug shot that this video camera is taken, and conclude the business for carrying out under the situation about can conclude the business at the text of could concluding the business that comes from this main frame.
3. as the cash dealing system of claim 1 record, wherein,
Under the situation of the transaction of having selected account to offer in the aforesaid operations portion by the user,
The above-mentioned card of above-mentioned main frame could be issued the relation that detection unit is judged contrast rate that is calculated by this comparing part and the boundary contrast rate of being scheduled to, when the result of this judgement is this contrast rate with respect to this boundary contrast rate for the concerning of regulation, to the additional intrinsic identification id of this user's mug shot of sending from this terminal system and this I.D. mug shot and be stored in above-mentioned mug shot storage part.
4. as the cash dealing system of claim 1 record, wherein,
Can import the transaction that the intrinsic encrypted message of this user and account are offered by aforesaid operations portion,
This encrypted message that the above-mentioned control part of above-mentioned terminal system will be imported, send to this main frame as the relevant information of the transaction of offering with account of type of transaction,
The above-mentioned card of above-mentioned main frame could be issued the relation that detection unit is judged contrast rate that is calculated by this comparing part and the boundary contrast rate of being scheduled to, when the result of this judgement is this contrast rate with respect to this boundary contrast rate for the concerning of regulation, this encrypted message that receives is stored in storage part.
5. the method for commerce in the cash dealing system, this cash dealing system comprises: terminal system, connect via network, can carry out the transaction of cash at least by user's operation; And main frame, carry out the processing that is used for money transaction at least of in this terminal system, concluding the business, in this method of commerce,
In this terminal system, have:
Take the step of user's face with video camera;
Step to user's issuing card;
Read the step of the I.D. of user's insertion by reading part;
Execution is by the step of the transaction of user's selection;
Read the step of the card of user's insertion by reading part;
Accept the step of the operation input undertaken by the user via operating portion;
The user's that will be taken by this video camera mug shot is that the mug shot of user's mug shot and this I.D. of being read by this I.D. reading part is the step that the I.D. mug shot is sent to this main frame; And
According to the result of the judgement of being undertaken by this main frame, make the distribution of the card that is undertaken by this card distribution department or the effective step of transaction of being undertaken by this transaction execution portion,
In this main frame, have:
This user's mug shot and this I.D. mug shot of being obtained by this terminal system contrasted, and calculate the step of this user's contrast rate;
Judge the step that to issue this card based on this results of comparison;
Judgement could be carried out the step of transaction to this user;
To be stored to the step of transaction resume storage part with the user's of this terminal system transaction transaction resume;
This I.D. mug shot of the user that will be obtained by this I.D. reading part, this user's mug shot of being obtained by this video camera are stored to the step of mug shot storage part; And
Could issue based on the contrast rate judgement card that in this contrast, calculates, and judge the step that this transaction could be carried out based on the contrast rate of in this contrast, calculating.
6. as the method for commerce in the cash dealing system of claim 5 record, wherein,
Under the situation of the transaction of having selected account to offer in the aforesaid operations portion by the user,
Above-mentioned main frame is judged the relation of contrast rate that is calculated by this comparing part and the boundary contrast rate of being scheduled to, when the result of this judgement is this contrast rate with respect to this boundary contrast rate for the concerning of regulation, to the additional intrinsic identification id of this user's mug shot of sending from this terminal system and this I.D. mug shot and be stored in above-mentioned mug shot storage part.
7. as the method for commerce in the cash dealing system of claim 5 record, wherein,
Above-mentioned terminal system will be by encrypted message aforesaid operations portion input, that this user is intrinsic and as the offering relevant information with account and send to this main frame of type of transaction,
Above-mentioned main frame is judged the relation of the contrast rate calculated and predetermined boundary contrast rate in this contrast, in the result of this judgement when being this contrast rate with respect to this boundary contrast rate for the concerning of regulation, this encrypted message of reception is stored in storage part.
Applications Claiming Priority (2)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| JP015186/2008 | 2008-01-25 | ||
| JP2008015186A JP5147426B2 (en) | 2008-01-25 | 2008-01-25 | Cash transaction system |
Publications (2)
| Publication Number | Publication Date |
|---|---|
| CN101493973A CN101493973A (en) | 2009-07-29 |
| CN101493973B true CN101493973B (en) | 2011-10-12 |
Family
ID=40924555
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| Application Number | Title | Priority Date | Filing Date |
|---|---|---|---|
| CN 200810177414 Expired - Fee Related CN101493973B (en) | 2008-01-25 | 2008-11-27 | Cash dealing system and method |
Country Status (2)
| Country | Link |
|---|---|
| JP (1) | JP5147426B2 (en) |
| CN (1) | CN101493973B (en) |
Families Citing this family (11)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN102289898B (en) * | 2011-09-08 | 2013-05-29 | 广州广电运通金融电子股份有限公司 | Automatic emergency hedge system for self-service transaction |
| JP6075131B2 (en) * | 2013-03-13 | 2017-02-08 | 株式会社ニコン | Authentication system, service providing system, authentication device, and program |
| JP6331293B2 (en) * | 2013-08-30 | 2018-05-30 | 株式会社リコー | Communication terminal, communication system, program |
| CN105577378A (en) * | 2014-10-14 | 2016-05-11 | 阿里巴巴集团控股有限公司 | Identity authentication method, apparatus, and system |
| JP2016118972A (en) * | 2014-12-22 | 2016-06-30 | Ｎｅｃプラットフォームズ株式会社 | Card reissue reception terminal, card reissue reception system, and card reissue reception method |
| CN105023345A (en) * | 2015-08-03 | 2015-11-04 | 上海古鳌电子科技股份有限公司 | Automatic cash transaction device |
| CN106886697A (en) * | 2015-12-15 | 2017-06-23 | 中国移动通信集团公司 | Authentication method, authentication platform, user terminal and Verification System |
| CN108875478B (en) * | 2017-08-14 | 2022-04-12 | 北京旷视科技有限公司 | People-authentication-integrated verification method, device and system and storage medium |
| JP6930398B2 (en) * | 2017-11-29 | 2021-09-01 | 凸版印刷株式会社 | Instant card issuance system, method, and program |
| JP7188002B2 (en) * | 2018-11-14 | 2022-12-13 | 凸版印刷株式会社 | Biometric transaction method and ATM system |
| JP2020095728A (en) * | 2019-12-16 | 2020-06-18 | 大日本印刷株式会社 | Portable terminal, identification system, and program |
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Also Published As
| Publication number | Publication date |
|---|---|
| JP5147426B2 (en) | 2013-02-20 |
| JP2009176127A (en) | 2009-08-06 |
| CN101493973A (en) | 2009-07-29 |
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