CN105844813A - Self-service multi-currency exchange device and system - Google Patents
Self-service multi-currency exchange device and system Download PDFInfo
- Publication number
- CN105844813A CN105844813A CN201610154024.1A CN201610154024A CN105844813A CN 105844813 A CN105844813 A CN 105844813A CN 201610154024 A CN201610154024 A CN 201610154024A CN 105844813 A CN105844813 A CN 105844813A
- Authority
- CN
- China
- Prior art keywords
- currency
- exchange
- module
- money
- cashbox
- Prior art date
- Legal status (The legal status is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the status listed.)
- Pending
Links
- 238000004891 communication Methods 0.000 claims abstract description 42
- 238000006243 chemical reaction Methods 0.000 claims description 41
- 238000012545 processing Methods 0.000 claims description 12
- 238000000034 method Methods 0.000 claims description 8
- 230000008569 process Effects 0.000 claims description 7
- 230000005540 biological transmission Effects 0.000 claims description 4
- 238000012423 maintenance Methods 0.000 claims description 3
- 238000010586 diagram Methods 0.000 description 8
- 230000008859 change Effects 0.000 description 2
- 238000012546 transfer Methods 0.000 description 2
- 230000009286 beneficial effect Effects 0.000 description 1
- 230000007547 defect Effects 0.000 description 1
- 230000003203 everyday effect Effects 0.000 description 1
- 238000012986 modification Methods 0.000 description 1
- 230000004048 modification Effects 0.000 description 1
Classifications
-
- 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]
-
- G—PHYSICS
- G07—CHECKING-DEVICES
- G07D—HANDLING OF COINS OR VALUABLE PAPERS, e.g. TESTING, SORTING BY DENOMINATIONS, COUNTING, DISPENSING, CHANGING OR DEPOSITING
- G07D11/00—Devices accepting coins; Devices accepting, dispensing, sorting or counting valuable papers
- G07D11/0087—Banknote changing devices
Landscapes
- Physics & Mathematics (AREA)
- General Physics & Mathematics (AREA)
- Business, Economics & Management (AREA)
- Accounting & Taxation (AREA)
- Finance (AREA)
- Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)
Abstract
The invention relates to a self-service multi-currency exchange device and system; the device comprises shared cashbox and currency exchange terminals; the at least one currency exchange terminal forms a currency exchange terminal group; the shared cashbox is connected with each currency exchange terminal in the currency exchange terminal group through banknote channels and communication lines; banknotes of various currencies are stored in the shared cashbox; the shared cashbox receives buy-in banknotes sent by each currency exchange terminal in the currency exchange terminal group through the banknote channels; meanwhile, the shared cashbox uses the banknote channels to distribute sold banknotes into banknote accesses of each currency exchange terminal.
Description
Technical Field
The invention relates to the technical field of bank self-service terminal equipment, in particular to a self-service multi-currency exchange device and a self-service multi-currency exchange system.
Background
Existing self-service currency exchanges are typically accomplished through ATMs. The self-service currency exchange process has many disadvantages due to the following structural disadvantages of the current ATM:
1. the existing ATM has limited volume and limited number of money boxes in the ATM, so that the existing ATM can only exchange money with one denomination generally and cannot exchange auxiliary money; in addition, the number of the currency is single, and the currency cannot be exchanged by multiple currencies;
2. most of the existing ATMs have single function and can only carry out the treatment of cash dispensing or money transfer, and the money exchange is generally reserved. If the currency which the user wants to exchange is not available in the currency box, the currency exchange cannot be carried out on the ATM, and the currency exchange appointment cannot be carried out;
therefore, a certain technical scheme is required to be adopted, the defects are avoided, and the customer is helped to conveniently, reliably and quickly exchange the currency.
Disclosure of Invention
The embodiment of the invention mainly aims to provide a self-service multi-currency exchange device and a self-service multi-currency exchange system, which can enable a customer to conveniently, reliably and quickly exchange and reserve currency at any time within 24 hours.
To achieve the above object, the present invention provides a self-service multi-currency exchange apparatus, comprising: a shared cash box and a currency exchange terminal; wherein,
at least one currency exchange terminal forms a currency exchange terminal group; the shared cashbox cabinet is connected with each currency exchange terminal in the currency exchange terminal group through a banknote channel and a communication line;
the shared cashbox cabinet stores banknotes of a plurality of currencies and accepts purchased banknotes sent by each currency exchange terminal in the currency exchange terminal group through the banknote channel; meanwhile, sold banknotes are distributed to the banknote inlets and outlets of the currency exchange terminals through the banknote channels.
Preferably, the currency conversion terminal includes:
the bank note bank card comprises a touch screen module, a receipt printing module, a two-dimensional code scanning module, a bank card reading module, a digital keyboard module, a bank note inlet and outlet, a terminal control and communication module, a bank note identification module, a terminal money buying passage and a terminal money selling passage; wherein,
the touch screen module is used for displaying various information in the currency exchange process to a system administrator and a client and receiving input operation of the system administrator and the client;
the receipt printing module is used for outputting a printing receipt to a client; the voucher comprises a transaction voucher for currency conversion transaction and an appointment voucher containing a two-dimensional code of currency conversion appointment information;
the two-dimensional code scanning module is used for scanning a two-dimensional code of the reserved currency conversion information on a short message or certificate of a client;
the bank card reading module is used for reading a bank card inserted by a customer and a teller card of a system administrator;
the numerical keyboard module is a platform for executing input operation for a system administrator and a client;
the bank note inlet and outlet is used for enabling a customer to put in bank notes purchased by the currency exchange system and taking out bank notes sold by the currency exchange system from the bank note inlet and outlet after the currency exchange system completes a transaction process;
the terminal control and communication module is used for communicating with all modules except the banknote channel through a communication link and sending control instructions to the modules;
the bank note identification module is used for identifying sold bank notes and purchased bank note;
the terminal buying banknote channel is used for transmitting the buying banknotes transmitted by the banknote identification module into the shared money cabinet according to the designated batch;
and the terminal sold banknote channel is used for receiving sold banknotes transmitted by the shared cashbox cabinet and transmitting the sold banknotes to the banknote identification module.
Preferably, the shared cashbox cabinet comprises: the cash box group, the cash channel of the cash box cabinet, the shared cash box control communication module and the cash channel of the cash box cabinet; wherein,
the shared cashbox control communication module is connected with a money buying box group, a money selling box group, a cashbox cabinet money buying channel and a cashbox cabinet money selling channel through communication links, and controls and coordinates communication with other modules;
the cash box and money box buying banknote channel is connected with each cash box in the cash box buying group and the terminal buying banknote channel of each currency exchange terminal through a banknote transmission belt;
the cash box cabinet bank note selling channel is connected with each cash box in the bank note selling box group and the terminal bank note selling channel of each currency exchange terminal through a cash conveying belt.
Preferably, the purchase cashbox set comprises: at least one group of money box for buying common currency and a plurality of groups of money box for buying standby currency; wherein,
the money box group for buying the common money types is used for storing the common money types; a plurality of cashboxes are arranged in the cashbox group for buying the common currency, and each cashbox stores the bank notes of a certain denomination of the current currency;
the standby currency is bought into the money box group and used for storing one currency; when the reservation request is not received, the group of cashboxes are all empty and no currency is specified; after receiving the reservation request, the shared cashbox control communication module sets a money buying type for the corresponding standby money buying box group according to the reservation request; and in a specific time after the exchange transaction is finished, the bank management teller takes away the residual bank notes in the spare currency buying box group, and the shared cash box control communication module sets the corresponding spare currency buying box group to designate the buying currency and empty.
Preferably, the sell cashbox set comprises: at least one group of the common currency selling cashboxes and a plurality of groups of the standby currency selling cashboxes; wherein,
the common currency selling cashbox group is used for storing a common currency selling cashbox; a plurality of cashboxes are arranged in the common currency selling cashbox group, and each cashbox stores bank notes of a certain denomination of current currency;
the standby currency selling cashbox group is used for storing a currency; when the reservation request is not received, the group of cashboxes are all empty and no currency is specified; after receiving the reservation request, the shared cashbox control communication module sets a sold currency for the corresponding standby currency sold cashbox group according to the reservation request, and the bank management teller needs to put the bank notes of the appointed sold currency into the cashbox group before the reserved exchange time.
To achieve the above object, the present invention provides a self-service multi-currency exchange system, comprising; the self-service multi-currency exchange device, the core bank host server and the client terminal are arranged on the bank; wherein,
the currency exchange device is connected with a core bank host server through a network; and the client terminal is connected with the core bank host server through an internet based on a secure communication protocol.
Preferably, the core bank host server comprises: the money exchange rate query module, the money exchange module, the cross-currency withdrawal module, the money exchange reservation module and the shared cashbox cabinet management module; wherein,
the exchange rate query module is connected with the exchange rates of international financial management institutions to obtain the intermediate price of the exchange rates among various currencies; if the customer does not insert the bank card or input the card number of the bank card during the transaction, the module calculates the unprovisionless appointed currency exchange rate according to the intermediate price of the appointed currency exchange rate; if the customer inserts the bank card or inputs the card number of the bank card during the transaction, the module calculates the exchange rate corresponding to the preferential grade according to the intermediate price of the specified currency to the exchange rate and the money card mark of the money card inserted into the bank card or the input card number in the card issuing bank;
the currency exchange module is used for carrying out foreign exchange transaction processing on the appointed currency according to the exchange rate calculated by the exchange rate inquiry module;
the cross-currency withdrawal module is used for carrying out cross-currency account deduction processing on an account corresponding to a card inserted by a client;
the currency conversion appointment module is used for accepting a currency conversion appointment of a client and sending a multimedia message of currency conversion appointment information to a mobile phone of the client; in addition, the cash adding device is also used for informing the related background management teller to add the money into the appointed money exchange device before the time of reserving the money exchange, and informing the background management teller to obtain the exchanged money from the appointed money exchange device after the money exchange is finished;
and the currency exchange device management module is used for accepting maintenance operation of each currency box of the shared currency cabinet initiated by a background management teller.
Preferably, the client terminal is a personal computer or a mobile phone.
The technical scheme has the following beneficial effects:
the technical scheme allows the client to perform the money exchange appointment operation and complete the appointed money exchange. In addition, the currency conversion system can also support the operation that the customer can make a currency conversion appointment through a smart phone or a personal computer.
Drawings
In order to more clearly illustrate the embodiments of the present invention or the technical solutions in the prior art, the drawings used in the description of the embodiments or the prior art will be briefly described below, it is obvious that the drawings in the following description are only some embodiments of the present invention, and for those skilled in the art, other drawings can be obtained according to the drawings without creative efforts.
FIG. 1 is a schematic diagram of a self-service multi-currency conversion apparatus according to the present invention;
FIG. 2 is a logical block diagram of a currency conversion terminal;
FIG. 3 is a logical block diagram of a shared cash box;
FIG. 4 is a logical block diagram of a self-service multi-currency exchange system according to the present invention;
FIG. 5 is a logical block diagram of a core bank host server;
FIG. 6 is a data processing flow chart of the currency conversion of the present embodiment;
fig. 7 is a flow chart of the money exchange reservation data processing of the present embodiment.
Detailed Description
The technical solutions in the embodiments of the present invention will be clearly and completely described below with reference to the drawings in the embodiments of the present invention, and it is obvious that the described embodiments are only a part of the embodiments of the present invention, and not all of the embodiments. All other embodiments, which can be derived by a person skilled in the art from the embodiments given herein without making any creative effort, shall fall within the protection scope of the present invention.
As shown in fig. 1, the self-service currency exchange apparatus 1000 is comprised of two parts: a shared cash box 1100 and a bank of currency exchange terminals 1200 mounted within a housing of the device and connected by a bill passageway.
The currency exchange terminal group 1200 provides a self-service interface for customers, and is composed of N (N is a natural number) currency exchange terminals. Each currency exchange terminal comprises a touch display screen, a receipt printer, a two-dimensional code scanner, a bank card inlet and outlet, a digital keyboard and a banknote inlet and outlet. The detailed structure of each currency conversion terminal can be referred to fig. 2.
The shared money cabinet 1100 is closely attached to the rear of the currency exchange terminal group 1200, and is connected with each currency exchange terminal through a banknote channel and a communication line. The currency exchange machine has the main functions of storing banknotes of a plurality of currency types, receiving the banknotes sent by each currency exchange terminal through the banknote channel, or distributing the banknotes to the banknote inlet and outlet of each currency exchange terminal through the banknote channel. The detailed structure of the shared cash box can refer to fig. 3.
Fig. 2 is a logical configuration diagram of the money exchange terminal. The currency conversion terminal is composed of 10 modules: the system comprises a touch screen module 1201, a receipt printing module 1202, a two-dimensional code scanning module 1203, a bank card reading module 1204, a numeric keyboard module 1205, a banknote inlet and outlet 1206, a terminal control and communication module 1207, a banknote identification module 1208, a terminal buying banknote channel 1209 and a terminal selling banknote channel 1210.
The touch screen module 1201 is installed on the external side of the currency exchange terminal, and has the function of directly displaying various information of the self-service currency exchange system to a system administrator and a client, wherein the information includes various types of commonly used currencies in the currently sold cashbox group 1120, exchange rates of various currency exchanges and the like. In addition, the module can also receive the input of a system administrator and a client for clicking various menus or buttons on the screen.
The receipt printing module 1202 is installed on the external side of the currency conversion terminal, and is capable of outputting a printed receipt, a transaction receipt for printing a currency conversion transaction of the receipt, and a reservation receipt containing a two-dimensional code of the currency conversion reservation information to the client.
The two-dimensional code scanning module 1203 is installed at the external side of the currency exchange terminal and is responsible for scanning the two-dimensional code of the reserved currency exchange information on the short message or certificate of the client. After the scanning is successful, the self-service exchange machine displays a currency exchange instruction on the touch screen module 1201 step by step to guide the customer to perform the currency exchange operation;
the bank card reading module 1204 is installed at an external side of the currency exchange terminal, and can read bank cards (including bank cards of a bank to which the self-service currency exchange system belongs and bank cards of other banks) inserted by a customer and teller cards of a system administrator. The supported card types comprise a magnetic stripe card, a contact type chip card and a non-contact type chip card;
the numerical keyboard module 1205 is arranged at the external side of the currency exchange terminal and is a platform for a system administrator and a client to execute input operation; for example; the customer inputs the bank card password and other information;
the bill passageway 1206 is installed at the external side of the currency exchange terminal: the client puts the purchased bank notes into the currency exchange system, and takes the sold bank notes output by the currency exchange system out of the currency exchange system after the currency exchange system completes the transaction process;
the terminal control and communication module 1207 is a core processing module of the money exchange terminal, and communicates with all modules except for the banknote passageway in the money exchange terminal through a communication link, and issues a control instruction to the modules.
The banknote recognition module 1208 is installed inside the currency exchange terminal, and is connected with the banknote inlet and outlet 1206, the terminal purchased banknote channel 1209 and the terminal sold banknote channel 1210 through a banknote physical transmission belt, and mainly functions to receive purchased banknotes received by a customer from the banknote physical transmission belt and the banknote inlet and outlet 1206, and perform operations of authenticity identification, currency type identification, face value identification, number counting and the like on the banknotes.
A terminal buy ticket channel 1209 is mounted on the side of the currency exchange terminal adjacent to the shared cash box 1100 and is connected to the banknote identification module 1208 and the cash box buy ticket channel 1140 in the shared cash box by a banknote conveyor. The function is to transfer the purchased banknotes transferred from the banknote recognition module 1208 to the cash box purchase banknote path 1140 in a designated batch.
A terminal sold banknote passageway 1210 is mounted at the side of the currency exchange terminal adjacent to the shared cash box 1100 and is connected to the banknote recognition module 1208 and the cash box cabinet sold banknote passageway 1150 via a banknote conveyor belt, and functions to receive sold banknotes conveyed from the cash box cabinet sold banknote passageway 1150 and deliver the sold banknotes to the banknote recognition module 1208.
Fig. 3 is a logical block diagram of a shared cash box. The shared cash box 1100 is comprised of a buy cash box group 1110, a sell cash box group 1120, a cash box cabinet buy cash channel 1140, a shared cash box control communication module 1130, and a cash box cabinet sell cash channel 1150. The shared cashbox control communication module 1130 is connected with other modules through communication links, and can control and coordinate communication with other modules. The cash box and cash box purchase ticket channel 1140 is connected to each cash box in the cash box group 1110 and the terminal purchase ticket channel 1209 of each currency exchange terminal via a cash transport belt. The cashbox cabinet sold banknote passageway 1150 is connected to each banknote box in the sold banknote box set 1120 and the terminal sold banknote passageway 1210 of each currency exchange terminal through banknote conveyor belts.
The purchase cashbox group 1110 contains a plurality of groups of general currency purchase cashbox groups 1111 and a plurality of groups of spare currency purchase cashbox groups 1114, and functions to store the purchase bills that the customer has placed through the self-service changer 1200. The general coin type buying cashbox group 1111 stores one general coin type per group. There are a plurality of cashboxes within a bank, each cashbox storing banknotes of a certain denomination of current currency. The currency deposited in each group will generally not change. The spare currency is bought into the cashbox set 1114, and each set can only store one currency. When the reservation request is not received, the group of cashboxes are all empty and no currency is specified. Upon receiving the reservation request, the shared cash box control communication module 1130 makes a purchase currency. Within a certain time after the exchange transaction is completed, the bank manager removes the bank notes of the spare currency type purchased in the cashbox set 1114, and the shared cashbox control communication module 1130 clears the money type specified in the cashbox set.
The sell cashbox group 1120 contains a plurality of common currency sell cashbox groups 1121 and a plurality of spare currency sell cashbox groups 1124, which function to store the sell bills to be exchanged. The common currency selling boxes 1121 each store one common currency. There are a plurality of cashboxes within a bank, each cashbox storing banknotes of a certain denomination of current currency. The currency deposited in each group will generally not change. The spare currency selling cashboxes 1124 can only store one currency per group. When the reservation request is not received, the group of cashboxes are all empty and no currency is specified. After receiving the reservation request, the shared cashbox control communication module 1130 makes a money type for selling money, and the bank manager needs to put the money of the designated money type into the cashbox group before the reserved exchange time.
The invention also provides a currency conversion system, the structure of which is shown in figure 4. The currency conversion system includes: a currency exchange apparatus 1000, a core bank host server 4000, a customer's personal computer 2001 and a customer's cell phone 2002. Wherein, the currency exchange device 1000 is connected with the core bank host server 4000 through the intra-row private network 3001; the customer's pc 2001 and the customer's cell phone 2002 are connected to the core bank host server via the internet 3002 based on a secure communication protocol.
The customer may download the customer's client program of the currency exchange system from the bank's website to his personal computer 2001 or cell phone 2002. Through the client program, the client can inquire the information such as the exchange rate among various currencies, the address of each currency exchange device, a map, the currency supporting exchange and the like, and can also make a reservation for currency exchange through the client program. In addition, the mobile phone 2002 of the client can also receive a multimedia message containing the two-dimensional code of the currency conversion reservation information sent by the core bank host server 4000.
The core bank host server 4000 is a background processing module of the entire currency exchange system, and provides functions of exchange rate inquiry, currency exchange, cross-currency withdrawal, currency exchange reservation, shared-currency-bin management, and the like, and the detailed structure thereof is shown in fig. 5.
Fig. 5 is a logical block diagram of a core bank host server. The core bank host server 4000 is composed of a plurality of relatively functionally independent modules including: the currency exchange system comprises an exchange rate query module 4001, a currency exchange module 4002, a cross-currency withdrawal module 4003, a currency exchange reservation module 4004 and a shared cashbox cabinet management module 4005. The functions of the various modules are as follows:
the exchange rate inquiry module 4001 is connected to the exchange rates of international financial institutions, and obtains the intermediate price of the exchange rate between various currencies. If the customer does not insert the bank card or input the card number of the bank card during the transaction, the module calculates the unprovisionless designated currency exchange rate according to the intermediate price of the designated currency exchange rate. If the customer inserts the bank card or inputs the card number of the bank card during the transaction, the module calculates the exchange rate corresponding to the preferential grade according to the intermediate price of the specified currency to the exchange rate and the money card mark of the money card inserted into the bank card or the money card of the money card in the card issuing bank. The final exchange rate is returned to the touch screen module 1201 for display on the customer's personal computer 2001 or cell phone 2002.
The currency exchange module 4002 is responsible for the foreign exchange transaction processing for the specified currency pair using the exchange rate calculated by the exchange rate query module 4001.
The cross-currency withdrawal module 4003 is responsible for cross-currency deduction processing from an account corresponding to a card inserted by a client.
The currency conversion appointment module 4004 is responsible for accepting a currency conversion appointment of a customer and sending a multimedia message of the currency conversion appointment information to a mobile phone of the customer. In addition, the module also informs the relevant background management teller to add money to the spare currency selling money box group 1124 of the appointed currency exchange device before the time of reserving the currency exchange, and informs the background management teller to obtain the exchanged money from the spare currency buying money box group 1114 of the appointed currency exchange device after the currency exchange is finished.
The currency exchange device management module 4005 is responsible for accepting maintenance operations of the cassettes of the shared money box initiated by the back-end manager. The module stores the currency type, the face value and the number of the banknotes of each cash box in each currency exchange device, and when a background management teller takes out or adds the banknotes from a shared cash box of the currency exchange device, corresponding requirements in the module can be synchronously updated. In addition, the module also stores information such as addresses and maps of the currency conversion devices. All information of the module can be inquired by each currency exchange terminal or personal computers or mobile phones of passengers and business personnel.
Fig. 6 is a flow chart of currency conversion data processing performed in the present invention. The detailed description is as follows:
step S101: the customer places the purchased bills into a bill passageway 1206 of a currency exchange terminal. The purchased banknote is then conveyed to a banknote recognition module 1208 of the currency exchange terminal by a banknote conveyor belt;
step S102: the bill recognition module 1208 checks the authenticity of the purchased bill, determines the denomination, number and amount of the purchased bill, and calculates the total amount of the purchased currency. Then, the terminal control and communication module 1207 inquires from the money exchange device management module 4005 whether the current currency purchase box 1111 of the device contains the currency put by the customer. If there is a corresponding currency, the following steps are continued, and if there is no corresponding currency, the passenger and the traveler are guided to make a currency exchange appointment. The flow of the currency exchange appointment is detailed in FIG. 7;
step S103: the touch screen module displays all currencies supported by the bank to which the invention belongs and selects the currencies to sell for the client. After the customer selects a certain selling currency, the terminal control and communication module 1207 queries whether the currency selling box 1121 of the current device contains the selling currency selected by the customer from the currency exchange device management module 4005. If there is a corresponding currency, the following steps are continued, and if there is no corresponding currency, the passenger and the traveler are guided to make a currency exchange appointment. The flow of the currency exchange appointment is detailed in FIG. 7;
step S104: the terminal control and communication module 1207 sends the data of the money type bought, the money type sold, the total amount of money bought, etc. to the exchange rate inquiry module 4001, and if the customer inserts the card into the bank card reading module 1204, the terminal control and communication module 1207 also sends the magnetic track information of the bank card to the exchange rate inquiry module 4001. The exchange rate query module 4001 calculates the exchange rate and the amount of money sold in the bank card level corresponding to the bank card of the bank card and the cash card level according to the information of the money purchased, the money sold, the total money purchased, the card number of the bank card and the like, and returns the information to the touch screen module 1201 to display the information to the passenger and the business trip personnel to confirm whether the exchange rate can be accepted or not;
step S105: after the passenger and the business trip confirm the exchange rate, the terminal control and communication module 1207 sends the information of the money types bought, the money types sold, the total amount of the money types bought, the total amount of the money types sold and the like to the money exchange module 4002 for foreign exchange transaction data processing;
step S106: after the foreign exchange buying and selling data is successfully processed, the banknote identification module 1208 transmits each purchased banknote in batches according to the denomination of each purchased banknote to the banknote box corresponding to the denomination of the commonly used currency purchase banknote box group 1111 through the terminal purchase banknote channel 1209 and the banknote box cabinet purchase banknote channel 1140 according to the denomination of each banknote. Then the banknote selling box group 1121 corresponding to the common currency sells banknotes of corresponding denomination from each banknote box in the group in batches through a banknote selling channel 1150, a terminal sold banknote channel 1210 and a banknote identification module 1208 according to the total amount of the sold currency, and transmits the banknote to a banknote inlet and outlet 1206 for receiving by a client;
step S107: after the customer receives the bank note, the slip printing module 1202 prints out the transaction slip of the current currency exchange transaction, and then the transaction is ended.
If the currency to be exchanged by the customer is a common currency that is not contained in a currency exchange device and the customer must go to that currency exchange device to exchange, the customer may choose to order the currency exchange operation. The flow from the currency conversion appointment to the currency conversion is shown in fig. 7, which is described in detail as follows:
step S201: the customer performs a money exchange reservation registration operation through the money exchange terminal 1200 or on a client program of his personal computer 2001 or mobile phone 2002. The client registers the money type of buying, the total amount of buying, the currency type of selling, the number of the money exchange terminal to be subjected to money exchange, the reserved time period of money exchange transaction, the mobile phone number of the client and other data into the money exchange reservation module 4004, and then the money exchange reservation module 4004 sends a multimedia message containing a two-dimensional code of money exchange reservation information to the mobile phone of the client. If the client operates on the currency exchange terminal 1200, the receipt printing module further prints out a currency exchange reservation receipt containing the two-dimensional code of the currency exchange reservation information;
step S202: the money exchange reservation module 4004 notifies the corresponding back office manager of the previously registered money exchange reservation information at a specific time every day. Before the appointed time, the background management teller puts the bank notes of the appointed selling currency into a bank note box in an alternative currency selling bank note box group 1124 of the appointed currency exchange device;
step S203: the customer performs the currency conversion operation on his designated currency conversion device at the previously reserved currency conversion schedule. The detailed flow of the currency conversion operation may refer to FIG. 6;
step S204: the currency conversion appointment module 4004 notifies the corresponding back office manager of the currency conversion appointment transactions completed on the current day at a particular time of day. The back office manager timely goes to the spare currency purchase banknote box set 1114 of the designated currency exchange device to take out the purchase banknotes put in by the customer.
Compared with the existing currency conversion method, the invention has the following advantages:
1. the exchange process only needs a system administrator to perform the operation of money box management once a day, so that the cost of human resources is low;
2. 7 x 24 hours of service is provided, there is no time limit on currency exchange;
3. the money can be withdrawn in a currency-crossing manner by swiping a card;
4. the supported currency types and face values are more than those of the common currency exchange machine;
5. the currency exchange appointment can be carried out through the currency exchange device, the mobile phone or the personal computer, so that the success rate of currency exchange is improved;
6. when the currency exchange device does not have the currency type which the customer wants to exchange, the customer can complete the currency exchange requirement in a short time in a reserved mode.
The above embodiments are provided to further explain the objects, technical solutions and advantages of the present invention in detail, it should be understood that the above embodiments are merely exemplary embodiments of the present invention, and are not intended to limit the scope of the present invention, and any modifications, equivalents, improvements, etc. made within the spirit and principle of the present invention should be included in the scope of the present invention.
Claims (8)
1. A self-service multi-currency exchange apparatus, comprising:
a shared cash box and a currency exchange terminal; wherein,
at least one currency exchange terminal forms a currency exchange terminal group; the shared cashbox cabinet is connected with each currency exchange terminal in the currency exchange terminal group through a banknote channel and a communication line;
the shared cashbox cabinet stores banknotes of a plurality of currencies and accepts purchased banknotes sent by each currency exchange terminal in the currency exchange terminal group through the banknote channel; meanwhile, sold banknotes are distributed to the banknote inlets and outlets of the currency exchange terminals through the banknote channels.
2. The apparatus of claim 1, wherein the currency exchange terminal comprises:
the bank note bank card comprises a touch screen module, a receipt printing module, a two-dimensional code scanning module, a bank card reading module, a digital keyboard module, a bank note inlet and outlet, a terminal control and communication module, a bank note identification module, a terminal money buying passage and a terminal money selling passage; wherein,
the touch screen module is used for displaying various information in the currency exchange process to a system administrator and a client and receiving input operation of the system administrator and the client;
the receipt printing module is used for outputting a printing receipt to a client; the voucher comprises a transaction voucher for currency conversion transaction and an appointment voucher containing a two-dimensional code of currency conversion appointment information;
the two-dimensional code scanning module is used for scanning a two-dimensional code of the reserved currency conversion information on a short message or certificate of a client;
the bank card reading module is used for reading a bank card inserted by a customer and a teller card of a system administrator;
the numerical keyboard module is a platform for executing input operation for a system administrator and a client;
the bank note inlet and outlet is used for enabling a customer to put in bank notes purchased by the currency exchange system and taking out bank notes sold by the currency exchange system from the bank note inlet and outlet after the currency exchange system completes a transaction process;
the terminal control and communication module is used for communicating with all modules except the banknote channel through a communication link and sending control instructions to the modules;
the bank note identification module is used for identifying sold bank notes and purchased bank note;
the terminal buying banknote channel is used for transmitting the buying banknotes transmitted by the banknote identification module into the shared money cabinet according to the designated batch;
and the terminal sold banknote channel is used for receiving sold banknotes transmitted by the shared cashbox cabinet and transmitting the sold banknotes to the banknote identification module.
3. The apparatus of claim 2, wherein the shared cashbox cabinet comprises: the cash box group, the cash channel of the cash box cabinet, the shared cash box control communication module and the cash channel of the cash box cabinet; wherein,
the shared cashbox control communication module is connected with a money buying box group, a money selling box group, a cashbox cabinet money buying channel and a cashbox cabinet money selling channel through communication links, and controls and coordinates communication with other modules;
the cash box and money box buying banknote channel is connected with each cash box in the cash box buying group and the terminal buying banknote channel of each currency exchange terminal through a banknote transmission belt;
the cash box cabinet bank note selling channel is connected with each cash box in the bank note selling box group and the terminal bank note selling channel of each currency exchange terminal through a cash conveying belt.
4. The apparatus of claim 3, wherein the buy bin group comprises: at least one group of money box for buying common currency and a plurality of groups of money box for buying standby currency; wherein,
the money box group for buying the common money types is used for storing the common money types; a plurality of cashboxes are arranged in the cashbox group for buying the common currency, and each cashbox stores the bank notes of a certain denomination of the current currency;
the standby currency is bought into the money box group and used for storing one currency; when the reservation request is not received, the group of cashboxes are all empty and no currency is specified; after receiving the reservation request, the shared cashbox control communication module sets a money buying type for the corresponding standby money buying box group according to the reservation request; and in a specific time after the exchange transaction is finished, the bank management teller takes away the residual bank notes in the spare currency buying box group, and the shared cash box control communication module sets the corresponding spare currency buying box group to designate the buying currency and empty.
5. The apparatus of claim 3, wherein the sell cashbox set comprises: at least one group of the common currency selling cashboxes and a plurality of groups of the standby currency selling cashboxes; wherein,
the common currency selling cashbox group is used for storing a common currency selling cashbox; a plurality of cashboxes are arranged in the common currency selling cashbox group, and each cashbox stores bank notes of a certain denomination of current currency;
the standby currency selling cashbox group is used for storing a currency; when the reservation request is not received, the group of cashboxes are all empty and no currency is specified; after receiving the reservation request, the shared cashbox control communication module sets a sold currency for the corresponding standby currency sold cashbox group according to the reservation request, and the bank management teller needs to put the bank notes of the appointed sold currency into the cashbox group before the reserved exchange time.
6. A self-service multi-currency exchange system, comprising;
the self-service multi-currency conversion apparatus of any one of claims 1 to 5, the core bank host server and the client terminal; wherein,
the currency exchange device is connected with a core bank host server through a network; and the client terminal is connected with the core bank host server through an internet based on a secure communication protocol.
7. The system of claim 6, wherein the core bank host server comprises: the money exchange rate query module, the money exchange module, the cross-currency withdrawal module, the money exchange reservation module and the shared cashbox cabinet management module; wherein,
the exchange rate query module is connected with the exchange rates of international financial management institutions to obtain the intermediate price of the exchange rates among various currencies; if the customer does not insert the bank card or input the card number of the bank card during the transaction, the module calculates the unprovisionless appointed currency exchange rate according to the intermediate price of the appointed currency exchange rate; if the customer inserts the bank card or inputs the card number of the bank card during the transaction, the module calculates the exchange rate corresponding to the preferential grade according to the intermediate price of the specified currency to the exchange rate and the money card mark of the money card inserted into the bank card or the input card number in the card issuing bank;
the currency exchange module is used for carrying out foreign exchange transaction processing on the appointed currency according to the exchange rate calculated by the exchange rate inquiry module;
the cross-currency withdrawal module is used for carrying out cross-currency account deduction processing on an account corresponding to a card inserted by a client;
the currency conversion appointment module is used for accepting a currency conversion appointment of a client and sending a multimedia message of currency conversion appointment information to a mobile phone of the client; in addition, the cash adding device is also used for informing the related background management teller to add the money into the appointed money exchange device before the time of reserving the money exchange, and informing the background management teller to obtain the exchanged money from the appointed money exchange device after the money exchange is finished;
and the currency exchange device management module is used for accepting maintenance operation of each currency box of the shared currency cabinet initiated by a background management teller.
8. The system of claim 6, wherein the client terminal is a personal computer or a mobile phone.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201610154024.1A CN105844813A (en) | 2016-03-17 | 2016-03-17 | Self-service multi-currency exchange device and system |
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201610154024.1A CN105844813A (en) | 2016-03-17 | 2016-03-17 | Self-service multi-currency exchange device and system |
Publications (1)
| Publication Number | Publication Date |
|---|---|
| CN105844813A true CN105844813A (en) | 2016-08-10 |
Family
ID=56587149
Family Applications (1)
| Application Number | Title | Priority Date | Filing Date |
|---|---|---|---|
| CN201610154024.1A Pending CN105844813A (en) | 2016-03-17 | 2016-03-17 | Self-service multi-currency exchange device and system |
Country Status (1)
| Country | Link |
|---|---|
| CN (1) | CN105844813A (en) |
Cited By (14)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN107393212A (en) * | 2017-06-23 | 2017-11-24 | 彼易科技有限公司 | Multi-currency service system and method based on machine learning and distributed architecture |
| CN107784581A (en) * | 2017-11-17 | 2018-03-09 | 博文软件（贵州）有限公司 | A kind of bit coin transaction platform |
| CN108269353A (en) * | 2018-01-17 | 2018-07-10 | 北京网信云服信息科技有限公司 | Self-service machine and the self-service system of exchanging of exchanging |
| CN109523257A (en) * | 2018-10-16 | 2019-03-26 | 平安科技（深圳）有限公司 | Foreign currency exchange method, apparatus, computer equipment and storage medium |
| CN109685965A (en) * | 2018-12-21 | 2019-04-26 | 中国银行股份有限公司 | Self-service machine is exchanged in commemorative coin reservation |
| WO2019179160A1 (en) * | 2018-03-19 | 2019-09-26 | 阿里巴巴集团控股有限公司 | Currency exchange method, apparatus, and server |
| CN110619704A (en) * | 2019-09-06 | 2019-12-27 | 浪潮金融信息技术有限公司 | Method for realizing shared large-amount cash side cabinet |
| CN111063097A (en) * | 2019-12-31 | 2020-04-24 | 中国银行股份有限公司 | Foreign currency cash coin purse packaging device and working method |
| CN111754706A (en) * | 2020-06-18 | 2020-10-09 | 浪潮金融信息技术有限公司 | Novel self-service terminal medium distribution device and system implementation mode |
| CN111798306A (en) * | 2020-07-13 | 2020-10-20 | 中钞科堡现金处理技术（北京）有限公司 | Foreign currency note distribution management system and method |
| TWI721413B (en) * | 2018-07-09 | 2021-03-11 | 開曼群島商創新先進技術有限公司 | Change exchange method, device and server |
| CN113299017A (en) * | 2021-05-20 | 2021-08-24 | 交通银行股份有限公司 | Bank machine capable of simultaneously serving multiple customers and control method |
| CN113470246A (en) * | 2021-06-30 | 2021-10-01 | 上海和数软件有限公司 | Paper money identification system for asset exchange |
| CN115293767A (en) * | 2022-07-26 | 2022-11-04 | 北京科蓝软件系统股份有限公司 | Safety verification method and system for digital currency exchange of high-cabinet of bank |
Citations (7)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| JPS581270A (en) * | 1981-06-27 | 1983-01-06 | Fujitsu Ltd | Containing system for rejected banknote |
| JPH0836673A (en) * | 1994-07-25 | 1996-02-06 | Oki Electric Ind Co Ltd | Group-control method/system for automatic machine |
| KR20060041567A (en) * | 2004-11-09 | 2006-05-12 | 엘지엔시스(주) | Recording medium storing method of replenishment and retrieval of money in currency exchanger and program to implement it |
| CN101192320A (en) * | 2006-11-30 | 2008-06-04 | 中钞长城金融设备控股有限公司 | Multifunctional currency exchanging device and its service method |
| CN104820944A (en) * | 2015-05-11 | 2015-08-05 | 中国工商银行股份有限公司 | Method and system for bank self-service terminal authentication, and device |
| CN105096475A (en) * | 2015-07-23 | 2015-11-25 | 成都三泰电子有限公司 | Deposit method and withdraw method of intelligent teller machine |
| CN205405733U (en) * | 2016-03-17 | 2016-07-27 | 中国工商银行股份有限公司 | Self -service many currency conversions device and system |
-
2016
- 2016-03-17 CN CN201610154024.1A patent/CN105844813A/en active Pending
Patent Citations (7)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| JPS581270A (en) * | 1981-06-27 | 1983-01-06 | Fujitsu Ltd | Containing system for rejected banknote |
| JPH0836673A (en) * | 1994-07-25 | 1996-02-06 | Oki Electric Ind Co Ltd | Group-control method/system for automatic machine |
| KR20060041567A (en) * | 2004-11-09 | 2006-05-12 | 엘지엔시스(주) | Recording medium storing method of replenishment and retrieval of money in currency exchanger and program to implement it |
| CN101192320A (en) * | 2006-11-30 | 2008-06-04 | 中钞长城金融设备控股有限公司 | Multifunctional currency exchanging device and its service method |
| CN104820944A (en) * | 2015-05-11 | 2015-08-05 | 中国工商银行股份有限公司 | Method and system for bank self-service terminal authentication, and device |
| CN105096475A (en) * | 2015-07-23 | 2015-11-25 | 成都三泰电子有限公司 | Deposit method and withdraw method of intelligent teller machine |
| CN205405733U (en) * | 2016-03-17 | 2016-07-27 | 中国工商银行股份有限公司 | Self -service many currency conversions device and system |
Cited By (16)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN107393212A (en) * | 2017-06-23 | 2017-11-24 | 彼易科技有限公司 | Multi-currency service system and method based on machine learning and distributed architecture |
| CN107784581A (en) * | 2017-11-17 | 2018-03-09 | 博文软件（贵州）有限公司 | A kind of bit coin transaction platform |
| CN108269353A (en) * | 2018-01-17 | 2018-07-10 | 北京网信云服信息科技有限公司 | Self-service machine and the self-service system of exchanging of exchanging |
| CN108269353B (en) * | 2018-01-17 | 2021-04-30 | 北京网信云服信息科技有限公司 | Self-service money exchange machine and self-service money exchange system |
| WO2019179160A1 (en) * | 2018-03-19 | 2019-09-26 | 阿里巴巴集团控股有限公司 | Currency exchange method, apparatus, and server |
| TWI721413B (en) * | 2018-07-09 | 2021-03-11 | 開曼群島商創新先進技術有限公司 | Change exchange method, device and server |
| CN109523257A (en) * | 2018-10-16 | 2019-03-26 | 平安科技（深圳）有限公司 | Foreign currency exchange method, apparatus, computer equipment and storage medium |
| CN109685965A (en) * | 2018-12-21 | 2019-04-26 | 中国银行股份有限公司 | Self-service machine is exchanged in commemorative coin reservation |
| CN110619704A (en) * | 2019-09-06 | 2019-12-27 | 浪潮金融信息技术有限公司 | Method for realizing shared large-amount cash side cabinet |
| CN111063097A (en) * | 2019-12-31 | 2020-04-24 | 中国银行股份有限公司 | Foreign currency cash coin purse packaging device and working method |
| CN111754706A (en) * | 2020-06-18 | 2020-10-09 | 浪潮金融信息技术有限公司 | Novel self-service terminal medium distribution device and system implementation mode |
| CN111798306A (en) * | 2020-07-13 | 2020-10-20 | 中钞科堡现金处理技术（北京）有限公司 | Foreign currency note distribution management system and method |
| CN113299017A (en) * | 2021-05-20 | 2021-08-24 | 交通银行股份有限公司 | Bank machine capable of simultaneously serving multiple customers and control method |
| CN113470246A (en) * | 2021-06-30 | 2021-10-01 | 上海和数软件有限公司 | Paper money identification system for asset exchange |
| CN115293767A (en) * | 2022-07-26 | 2022-11-04 | 北京科蓝软件系统股份有限公司 | Safety verification method and system for digital currency exchange of high-cabinet of bank |
| CN115293767B (en) * | 2022-07-26 | 2023-03-07 | 北京科蓝软件系统股份有限公司 | Safety verification method and system for digital currency exchange of high-cabinet of bank |
Similar Documents
| Publication | Publication Date | Title |
|---|---|---|
| CN105844813A (en) | Self-service multi-currency exchange device and system | |
| US10074238B2 (en) | Ticketless system and method of managing casino patron money balances | |
| US11756015B2 (en) | Systems and computer-implemented processes for depositing, withdrawing, and reusing currency for purchase transactions using an intelligent teller machine | |
| CN102289859A (en) | Teller paper money processing device and system | |
| CN202058233U (en) | Bank teller bill processor and system | |
| CN205405733U (en) | Self -service many currency conversions device and system | |
| CN101359417A (en) | Automated teller machine for ironing and disinfecting when saving and selecting bills of different denominations when drawing money | |
| WO2020026783A1 (en) | Virtual currency transaction device, virtual currency transaction system, and virtual currency transaction method | |
| KR20090085495A (en) | How to Earn and Use Changes in Commerce | |
| CN102254384B (en) | Automatic trade control device | |
| KR101029594B1 (en) | Currency exchange method using unmanned information terminal and exchange transaction website and unmanned information terminal for the method | |
| CN103440699A (en) | Embedded multifunctional self-service lottery sale terminal based on ATM | |
| EP4148696A1 (en) | Cash depositing method and cash depositing system | |
| JP6831749B2 (en) | Money processing system and money processing method | |
| CN118215947A (en) | System and method for providing settlement value for games at a casino gaming table | |
| CN208444396U (en) | A kind of combination type bank customer service terminal | |
| JP7007835B2 (en) | Electronic money terminal device, electronic money management system and electronic money charging method | |
| JP2021165953A (en) | Ticket vending machine, transaction management system, and program | |
| JP7077571B2 (en) | Information processing system, information processing method, customer-operated terminal and program | |
| JP2021165955A (en) | Money exchanger, transaction management system, and program | |
| JP6790193B1 (en) | Personal remittance methods, equipment and programs | |
| JPH10222729A (en) | Automatic teller machine | |
| US20250022334A1 (en) | Cash handling apparatus | |
| JP2003168146A (en) | Banking terminal, account history information inquiry system and passbook booking method | |
| US20230104964A1 (en) | Multipurpose Currency Management System |
Legal Events
| Date | Code | Title | Description |
|---|---|---|---|
| C06 | Publication | ||
| PB01 | Publication | ||
| C10 | Entry into substantive examination | ||
| SE01 | Entry into force of request for substantive examination | ||
| RJ01 | Rejection of invention patent application after publication | ||
| RJ01 | Rejection of invention patent application after publication |
Application publication date: 20160810 |