阅读说明：本技术 一种金融自助设备及其交易方法 (Financial self-service equipment and transaction method thereof ) 是由 邓婕 赵欣 于 2019-01-17 设计创作，主要内容包括：本发明公开了一种金融自助设备,包括间隔设置在不同区域并与对应金融银行联网构成数据连通的金融柜以及将每一个金融柜进行独立隔离的隔离门,在每一个金融柜上设有金融业务请求装置、身份证识别器、摄像头、金融卡读取器、控制器,其中,所述金融业务请求装置、身份证识别器、摄像头、金融卡读取器均与控制器信号连接,且所述控制器置于金融柜内,且在金融柜内还设有与控制器电连接的计时器,所述控制器还与金融银行的银行档案库以及隔离门上的门锁关闭系统信号连接。本发明还公开了一种金融自助设备的交易方法。本发明提高金融的保护安全性。(The invention discloses financial self-service equipment which comprises financial cabinets arranged in different areas at intervals and connected with corresponding financial banks to form data communication and an isolating door for isolating each financial cabinet independently, wherein each financial cabinet is provided with a financial service request device, an identity card recognizer, a camera, a financial card reader and a controller, the financial service request device, the identity card recognizer, the camera and the financial card reader are all in signal connection with the controller, the controller is arranged in the financial cabinets, a timer electrically connected with the controller is also arranged in the financial cabinets, and the controller is also in signal connection with bank archives of the financial banks and a door lock closing system on the isolating door. The invention also discloses a transaction method of the financial self-service equipment. The invention improves the financial protection safety.)

1. The utility model provides a self-service financial equipment, includes that the interval sets up in different regions and constitutes financial cabinet (1) of data intercommunication and with the networking of corresponding financial bank and carries out isolation door (2) independently keep apart each financial cabinet (1), its characterized in that is equipped with following part on each financial cabinet (1):

a financial service request means (3) for requesting a financial service requested by a user;

an identification card recognizer (4) for obtaining identification;

a camera (5) for recognizing the face of the financial service requester;

a financial card reader (6) for entering a financial card and obtaining financial card information;

a controller (7) for acquiring the entire financial information;

the financial service system comprises a financial service request device (3), an identity card identifier (4), a camera (5), a financial card reader (6) and a controller (7), wherein the controller (7) is arranged in a financial cabinet (1) and is also provided with a timer (8) electrically connected with the controller (7) in the financial cabinet (1), and the controller (7) is further in signal connection with a bank archive bank (9) of a financial bank and a door lock closing system (10) on an isolating door (2).

2. The financial self-service equipment according to claim 1, wherein each financial cabinet (1) is further connected with an intelligent detection bracelet (11) for acquiring pulse signals and heartbeat information of financial service requesters, and the intelligent detection bracelet (11) is in signal connection with the controller (7).

3. Financial self-service device according to claim 1 or 2, characterized in that a fingerprint identifier (12) is connected to the financial cabinet (1) in signal connection with the controller (7).

4. Financial self-service equipment according to claim 1 or 2, characterized in that an alarm (13) is connected with the controller (7) by signal connection with the financial cabinet (1).

5. The financial self-service equipment according to claim 1 or 2, characterized in that the front end of the isolation door (2) is also connected with an automatic locking rolling door (14), and an automatic locking motor (15) of the rolling door (14) is in signal connection with the controller (7).

6. Financial self-service device according to claim 1 or 2, characterized in that a card-swallowing device (16) connected to the controller (7) is connected to the financial card reader (6).

7. A transaction method of financial self-service equipment is characterized by comprising the following steps:

A. acquiring financial card information through a financial card reader (6);

B. the controller (7) starts the financial service request device (3) first, and the user selects a financial transaction mode on the financial service request device (3);

C. the controller (7) starts the identity card recognizer (4) and the camera (5), when the identity card recognizer (4) does not acquire data, a timer (8) is started firstly, the financial service request device (3) is temporarily locked, the face condition of a financial service request person is acquired through the camera (5), then the face information of the financial card holder is called from a bank archive library (9) according to the financial card registration information and compared with the information acquired by the camera (5), after the face information meets the requirements, the financial service request device (3) is unlocked, and the transaction is carried out according to the financial transaction mode requested in the financial service request device (3);

D. after the identity card recognizer (4) acquires data, the face condition of a financial service request worker is acquired through the camera (5), the timer (8) is started, the financial service request device (3) is temporarily locked, then the face condition is directly compared with the face on the identity card, the financial service request device (3) is unlocked after the face condition meets the requirement, and the transaction is carried out according to the financial transaction mode requested in the financial service request device (3); if the requirements are not met, closing the transaction directly;

E. and when the identification card identification and the identification of the camera (5) do not meet the requirements, the financial service request device (3) is directly locked, and a door lock closing system (10) is started to perform signals.

8. The transaction method of financial self-service equipment according to claim 7, wherein the following is added before step B, after the financial card information is obtained by the financial card reader (6), the financial service request device (3) is turned off, the controller (7) detects whether the smart detection bracelet (11) has data, and after the smart detection bracelet (11) has the obtained data, step 2 is performed.

9. The transaction method of the financial self-service equipment according to claim 7, wherein in the step C, the fingerprint information is acquired by the fingerprint identifier (12) and compared with the data information of the bank archive (9), and when the identity identification, the camera identification and the fingerprint identification are all in accordance with the requirements, the financial transaction mode requested by the financial service request device (3) can be started for transaction; if not, closing the transaction directly.

10. A transaction method of financial self-service equipment according to claim 7, wherein in step E, when the identity card identification and the camera (5) identification are not in accordance with the requirements, the alarm (13) is started immediately.

Technical Field

The invention relates to the technical field of financial transaction equipment, in particular to financial self-service equipment and a transaction method thereof.

Background

Financial self-service equipment is distributed at intervals at unattended financial transaction network sites in order to meet the convenience of card holders, the safety problem of the unattended equipment is increasingly highlighted, the equipment becomes a high-frequency place for robbery of money and money, and the current financial self-service equipment can directly extract money from the financial self-service equipment only by holding a financial card by a card holder and knowing the password of the financial card, so that the potential safety hazard exists on the account safety of a real financial card holder, so that related equipment providers have studied in order to improve the account safety of financial self-service terminal users, but the current measures are that the money is only processed after a period of time after the card holder finds out that the financial card is lost and registers, so that lawless persons can take away the money in the financial card and finally lose the money, and the current financial self-service equipment can not identify whether the corresponding financial card is the user himself or not, therefore, how to design a self-service device which can improve the safety and is beneficial to ensuring that the money of the financial card holder is not lost is particularly important.

Disclosure of Invention

The invention aims to solve the defects of the prior art and provide financial self-service equipment and a transaction method thereof.

In order to achieve the purpose, the financial self-service equipment designed by the invention comprises financial cabinets which are arranged in different areas at intervals and form data communication with corresponding financial banks in a networking manner, and an isolation door for independently isolating each financial cabinet, wherein the following components are arranged on each financial cabinet:

a financial service request means for requesting a financial service requested by a user;

an identification card recognizer for obtaining identification;

the camera is used for identifying the face of the financial service requester;

a financial card reader for entering a financial card and obtaining financial card information;

a controller for acquiring the entire financial information;

the financial service request device, the identity card recognizer, the camera and the financial card reader are all in signal connection with the controller, the controller is arranged in the financial cabinet, a timer electrically connected with the controller is further arranged in the financial cabinet, and the controller is further in signal connection with a door lock closing system on a bank archive library and an isolation door of the financial bank.

In order to improve the safety of using, still be connected with the intelligent detection bracelet that is used for acquireing financial transaction requester's pulse signal and heartbeat information on each finance cabinet, just intelligent detection bracelet and controller signal connection.

In order to improve the use safety, a fingerprint recognizer which is in signal connection with the controller is also connected to the financial cabinet.

In order to improve the use safety, an alarm connected with the controller through signals is also connected to the financial cabinet.

In order to improve the use safety, the front end of the isolating door is also connected with a roller shutter door capable of automatically locking, and an automatic locking motor of the roller shutter door is in signal connection with the controller.

In order to improve the use safety, a card swallowing device connected with the controller is connected to the financial card reader.

The invention also discloses a transaction method of the financial self-service equipment, which specifically comprises the following steps:

A. acquiring financial card information through a financial card reader;

B. the controller starts a financial service request device firstly, and a user selects a financial transaction mode on the financial service request device;

C. the controller starts the ID card recognizer and the camera, when the ID card recognizer does not acquire data, a timer is started first, the financial service request device is locked temporarily, the face condition of a financial service request person is acquired through the camera, then the face information of the financial card holder during registration is called from a bank archive according to the financial card registration information and compared with the information acquired by the camera, and after the face information meets the requirements, the financial service request device is unlocked and transaction is carried out according to the financial transaction mode requested in the financial service request device;

D. after the identification card recognizer acquires data, acquiring the face condition of a financial service request worker through a camera, starting a timer, temporarily locking a financial service request device, directly comparing the face condition with the face on the identification card, unlocking the financial service request device after meeting the requirement, and performing transaction according to the financial transaction mode requested in the financial service request device; if the requirements are not met, closing the transaction directly;

E. and when the identification card identification and the camera identification do not meet the requirements, directly locking the financial service request device and starting a door lock closing system signal.

In order to improve the use safety, the following contents are added before the step B, after the financial card information is acquired through the financial card reader, the financial service request device is closed firstly, the controller detects whether the intelligent detection bracelet has data, and after the intelligent detection bracelet has the acquired data, the step is carried out.

In order to improve the use safety, the fingerprint information can be acquired by the fingerprint identifier in the step C and compared with the data information of the bank archive, and when the identity identification, the camera shooting identification and the fingerprint identification meet the requirements, the financial transaction mode requested by the financial service request device can be started for transaction; if not, closing the transaction directly.

In order to improve the use safety, in the step E, when the identification of the identity card and the identification of the camera do not meet the requirements, the alarm is immediately started.

According to the financial self-service equipment and the transaction method thereof, the identity of a customer who carries out financial transaction in coming financial equipment can be identified, and the financial transaction can be carried out only after the customer meets the requirements, so that the financial security of a financial card holder can be effectively ensured, the situation that a lawbreaker directly draws money after obtaining financial card information is avoided, the money of the financial card holder is lost, and the financial protection security is finally improved.

Description of the drawings:

FIG. 1 is a schematic structural diagram of a financial cabinet in a financial self-service device in embodiment 1;

FIG. 2 is a schematic structural diagram of a control section in the financial self-service device according to embodiment 1;

FIG. 3 is a schematic structural diagram of a financial cabinet in the financial self-service device according to embodiment 2;

FIG. 4 is a schematic structural diagram of a financial cabinet in the financial self-service device according to embodiment 3;

FIG. 5 is a schematic structural diagram of a financial cabinet in the financial self-service device according to embodiment 4;

FIG. 6 is a schematic structural diagram of a financial cabinet in the financial self-service device according to embodiment 5;

fig. 7 is a schematic structural diagram of a control section in a financial self-service device according to embodiment 6.

In the reference symbols: 1. a financial cabinet; 2. an isolation gate; 3. a financial service request device; 4. an identification card recognizer; 5. a camera; 6. a financial card reader; 7. a controller; 8. a timer; 9. a bank archive; 10. a door lock closing system; 11. a smart detection bracelet; 12. a fingerprint identifier; 13. an alarm; 14. a roller shutter door; 15. automatically locking the motor; 16. a card-swallowing device.

Detailed Description

The invention will be further described with reference to the following examples.