CN1753038A - Equitment for treating bank transaction containing cash drawing - Google Patents
Equitment for treating bank transaction containing cash drawing Download PDFInfo
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- CN1753038A CN1753038A CNA2005100028493A CN200510002849A CN1753038A CN 1753038 A CN1753038 A CN 1753038A CN A2005100028493 A CNA2005100028493 A CN A2005100028493A CN 200510002849 A CN200510002849 A CN 200510002849A CN 1753038 A CN1753038 A CN 1753038A
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Abstract
Sarvatra [TM] system provides a equipment for treating bank transaction containing cash drawing including the account possession owner of the branch bank. This system includes: [i] the data center with sarvatra groups; [ii] the operation center to maintain all operation record; [iii] POS terminal; [iv] account data storage device; [v] network interface to connect the data center and the operation center, POS terminal and the data center as well as the above mentioned account data storage device and data center; [vi] sarvatra card to hold the recordable account information of the account owner; [vii] electronic finance transaction to send and receive the information from the POS terminal, to send and receive the information from the account data storage device of the branch bank, to send and receive the transaction from the branch bank selectively.
Description
Technical field
The present invention relates to a kind of equipment that is used to handle the bank transaction that comprises cash-access.
Background technology
Bank transaction is handled by two kinds of basic modes.[1] client comes into the office worker, cashier of bank and bank or other people are manual concludes the business; Or [2] provide Automatic Teller Machine (ATM), can carry out bank transaction apart from actual bank place far away usually by its client.
These two kinds of methods all have limitation.Although it is more widespread that ATM becomes, for bank, they are very expensive, and pet bank can not utilize the ATM system.
Summary of the invention
Equipment of the present invention and method hereinafter are called Sarvatra
TMSystem, the pet bank and the many branches that are fit to resource-constrained utilize this system, and the client can handle the limited bank transaction that comprises cash-access in any branch of bank like this, and not only has the branch of account to handle this client.
According to the present invention, provide a kind of account-holder who is used for a branch bank to authorize outlet (outlet) to handle the equipment of the bank transaction that comprises cash-access from other any branch bank or other, described each have unique bank identification number in lines, described equipment comprises:
[i] data center has the Sarvatra group of definition here and the data storage device of storage data;
[ii] keeps the operation center of operation;
[iii] is arranged on all described branches and other authorize the POS terminal of outlet;
[iv] account data memory storage is used for authorizing the customer account information and the record of outlet storage remote-operable in all described branches and other;
[v] network interface, pass through network, as PSTN dialing, GSM, Ethernet (Ethernet) and similar network, connect described data center and described operation center, described POS terminal and described data center, and described account data memory storage and described data center, be used for any account-holder's of any branch of access bank account;
The Sarvatra card that [vi] defines here is recordable account-holder's accounts information above it, and described card is readable by the POS terminal;
[vii] is arranged on the electronic finance trade switch in the described data center, be used for sending and receiving from described POS terminal information by connecting network, and send and receive information from the described account data memory storage in the branch, also be used for sending and the reception transaction to branch bank selectively according to described bank identification number, and the information that is used for All Activity in the described operation center of access.
Preferred embodiment according to the present invention, described electronic banking switch are used for linking to each other with the electronic banking switch of other mechanisms, to carry out the transaction between the mechanism.
Typically, described POS terminal has the serial line interface that is used for as printer, PIN PAD (PIN Pad) and similar external unit.In addition, described POS terminal have be used for described POS terminal be connected to LAN (Local Area Network) Ethernet interface and be used for described POS terminal is connected to global mobile system to utilize mobile network's interface.
Preferred embodiment according to the present invention, described data center comprises network access controller, it comprises one group of modulator-demodular unit that is used for the described POS terminal of dial-up connection, is used for receiving information from described POS terminal, and is transmitted to described electronic banking switch.
Preferred embodiment according to the present invention, described data center comprises Sarvatra group, it has (i) main frame, is the treating apparatus that is used to handle transaction; (ii) be used for differentiating and producing the security module of client's Personal Identification Number (PIN), be used to encrypt the encryption device of all information and POS transaction, be used to differentiate the identification device of POS terminal; The service interface that (iii) is used for described electronic banking switch is used for reading request from described switch, and the deciphering described request is transmitted request to the described main frame that is used to handle, and sent the information of handling to described switch.
Preferred embodiment according to the present invention, described electronic banking switch are used to keep along the daily record from each transaction of POS terminal that transmits that passage receives, and in described Sarvatra group storing daily record data.
Preferred embodiment according to the present invention, described Sarvatra group comprises the interface between described switch and the described host security modules.
Description of drawings
With reference to accompanying drawing, describe the present invention now in detail, wherein:
Fig. 1 shows equipment of the present invention;
Fig. 2 shows the process flow diagram of Sarvatra transaction;
Fig. 3 shows the detail drawing of POS terminal;
Fig. 4 shows the detail drawing of Sarvatra card;
Fig. 5 shows and uses the operation that is stuck on the POS terminal shown in Figure 4;
Fig. 6 shows according to Sarvatra trading card of the present invention;
Fig. 7 and Fig. 7 a show cash withdrawal operation and subsidiary sample trading card;
Fig. 8 and Fig. 8 a show spot assets operation and subsidiary sample trading card;
Fig. 9 and Fig. 9 a show transfer accounts operation and the subsidiary sample trading card between the account;
Figure 10 shows the workflow diagram according to the transaction of opening an account of the present invention;
Figure 11 shows the workflow diagram according to cash withdrawal transaction of the present invention;
Figure 12 shows the workflow diagram according to spot assets transaction of the present invention;
Figure 13 shows the workflow diagram according to collection account trading of the present invention;
Figure 14 shows the workflow diagram according to shop of the present invention transaction.
Embodiment
With reference to accompanying drawing, Fig. 1 shows equipment of the present invention, wherein shows system architecture of the present invention.
The system architecture of equipment as shown in Figure 1 is self-explantory.Branch and the data transmission between the data center of middle position use traditional analogue type dialing modem to finish.This has reduced communications cost.
The POS terminal of imagination is connected with the branch of client by network interface (PSTN dialing, GSM, Ethernet) according to the present invention.
According to the present invention, the branch of bank must for good and all use any network interface recited above to be connected with data center.The POS terminal that is positioned at branch links to each other with data center, and final branch by dial-up connection and client links to each other.
Other interface comprises:
The biological fingerprint identification that is used to authorize;
Digital signature.
Use according to the major advantage of equipment of the present invention be existing banking structure system not needs upset.Therefore, the investment of bank is protected.
POS (point of sale) terminal illustrates at Fig. 1, and figure 3 illustrates detail drawing especially, and other figures are arranged in all signatory branches of bank (subscribing branch) or financial institution.
Each branch provisional capital is provided with service point (POS) terminal.The client can use the POS terminal or use the arbitrary branch extraction cash of ATM terminal from bank in the non-banking working time in bank's working time.
The POS terminal is Sarvatra
TMThe transmission passage of system.The POS terminal has to Sarvatra
TMThe dialing interface of system, and have the serial line interface that is used for as external units such as PIN PAD, printers.
Optionally Ethernet interface can be connected the POS terminal on the Local Area Network.
The POS terminal also can be used GSM (global mobile system) interface, to utilize the mobile network.
The POS terminal adopts ISO 8583 forms to send information to electronic finance trade (EFT) switch.
The multiple possible transaction that the POS terminal provides is:
Inquiry into balance;
Cash withdrawal;
Spot assets;
Transfer of financial resources;
Borrow pin (Debit Sale);
PIN revises;
Cancel.
Solution
Fig. 2 shows self-explantory work block diagram of the present invention.The workflow of the operation that is provided has shown signal from POS terminal process network access controller, EFT switch, Sarvatra service module and main frame, flowing through arrival Sarvatra main frame after the authentication of host security modules.
Data center among Fig. 1 comprises Sarvatra group, and it comprises main frame, and this main frame is the treating apparatus with security module and service interface.
Operation center shown in Figure 1 is provided with backup server, has wherein stored all transaction formerly, and has all Sarvatra
TMSigned client's database, these clients can obtain the periodic logging of All Activity so.
Network access controller (NAC)
Network access controller is the modulator-demodular unit group of synchronous data-link control (SDLC) modulator-demodular unit, and it is provided to the dial-up connection of POS terminal.
The speed of modulator-demodular unit support from 1200 to 9600 bauds of NAC.
NAC receives the calling from the POS terminal, removes the SDLC header, gives the EFT switch data forwarding.
The modem port of NAC can be supported 40 POS terminals (1: 40th, international standard).
NAC has management interface, is used for monitoring and management modulator-demodular unit.
NAC has the Ethernet interface of the LAN (Local Area Network) of being connected to, and is used for carrying out alternately with the EFT switch.
Host security modules (HSM)
Individual subscriber identification number (PIN) is differentiated and produced to host security modules.
Adopt independent DES to encrypt.
Also produce the session key that is used for the POS transaction encryption.
Each session is produced new key.
HSM also differentiates the POS terminal by log-on message.
Present HSM is serial HSM, and per second is differentiated 12 transaction.
Electronic finance trade (EFT) switch
The electronic finance trade switch is the core of system.
This switch sends to correct bank main with transaction from different transmission passages according to bank identification number (BIN).
It is kept client's card, transmits the information of passage and host computer system, and can be connected with other EFT switches, to carry out the transaction between the mechanism.
Support the transmission passage of similar POS terminal and ATM.
All clients block management, generate, activate card (hot carding), the phase that snaps into as card and all finished by the EFT switch.
The EFT switch receives transaction from transmitting passage, and checking client card number sign indicating number is examined the term of validity, if should card effective or new, then transaction be transmitted to bank main, otherwise return error message to transmitting passage.
Keep the daily record that transmits each transaction that passage sends.
The EFT switch is guaranteed the completeness of concluding the business.Enter the transaction of switch for each, perhaps success or failure.
According to a preferred embodiment of the invention, the service interface of data center is Sarvatra group's a part.
Sarvatra
TMISO 8583 services
Sarvatra
TMISO 8583 services are EFT switch and Sarvatra
TMInterface between the main frame.
It is as EFT switch and Sarvatra
TMISO 8583 Transformation Service work between the main frame.
This service is decrypted it from the request that the EFT switch reads ISO 8583 forms, and transaction is transmitted to Sarvatra
TMMain frame.Sarvatra
TMHost process should be concluded the business, and to Sarvatra
TMISO 8583 services send replys.Sarvatra
TMSarvatra is read in ISO 8583 services
TMWhat main frame sent replys, and adopts ISO 8583 forms to reply the EFT switch.
Sarvatra according to an embodiment
TMISO 8583 services are java applications, connect and Sarvatra by JDBC (java database connectivity)
TMMain frame links to each other.
Sarvatra
TMISO 8583 services are also mail to Sarvatra to the EFT switch
TMEach transaction of main frame is kept a diary.If Sarvatra
TMMain frame is busy, and formation is also kept in this service.Sarvatra
TMThe host process device
Sarvatra
TMMain frame can be based on the application program with D2k front end of Oracle.
It is complete core bank application, keeps:
Main equipment (Master) information:
Mechanism's main equipment
Client's main equipment
The product main equipment
The card main equipment
Trade company's main equipment
The terminal main equipment
Service fee
Account limitations
Safeguard vacation etc.;
Transaction processing:
Cash withdrawal
Spot assets
Inquiry into balance
Transfer of financial resources
Interest is calculated
Transaction fee is calculated
Service fee is calculated
Check drawer-collator's mandate etc.;
Day to day operation:
Daystart (BOD)
Account is opened
Account Closure
Cash management
Standing instruction (standing instructions)
Bankbook is safeguarded
Finished in one day (EOD).
Can see a typical POS terminal at Fig. 3.
The POS terminal plays Sarvatra
TMThe main effect that transmits passage in the system.
The POS terminal comprises:
Processor
This processor is 32.
Storer
1M flash memory (optional 2M) and 512K static RAM (SRAM).
Display screen
The backlight LCD (LCD) of 128 * 64 pixels is supported * 21 characters of 8 row, comprises figure.
This display screen can make the user see Sarvatra
TMThe miscellaneous service that system provides.The brightness of display screen can be controlled by embedded software.
Magnetic stripe reader
Magnetic stripe reader reads three tracks of magnetic stripe card, and is integrated in the POS terminal.This reader is a height strong stupid (coercive) and two-way.
Options button
Select bond energy to make the user at Sarvatra
TMSelect in a plurality of options that system provides.This options button is very user friendly and directly perceived.It plays a key role aspect system acceptable.These options buttons are called as screen addressable key.Some keys, for example option demonstration, roll item, cancel key and enter key, shown in Figure 3.
Keyboard and PIN PAD
Keyboard is 3 * 4 numeric keypad, adds 8 soft function keys and 4 screen addressable keys.
Keyboard and security password input unit are main input sources, are used to import the input of Personal Identification Number (PIN) or other any system requirements.
They are anti-tamper, and any physics distorts the master key that all can remove terminal, make it unavailable.
Peripheral port
The support of two RS-232 ports comprises the peripheral hardware of password input disc, check reader, bar code reader.PORT COM is supported the PSTN dialing.Other interfaces also can use as Ethernet, CDMA, GPRS.
Various connecting interfaces are Sarvatra
TMIt is multi-functional that system provides.
Thermal printer
Integrated thermal printer provides the graphic printing ability.Its per second is printed 12.5 row, 24/32/42 row, and prints trading card as shown in Figure 3.Paper is 58mm (2.25 inches) * 25M coil paper of standard.Quiet, fast print and easy paper roll mechanism is installed is the United States Patent (USP) of this printer.
Modulator-demodular unit
As shown in Figure 3, modulator-demodular unit is connected on the telephone wire.The modulator-demodular unit specification that is integrated in the POS lane terminal is as follows: dialing modem: Bell 103/212a, CCITT V.21/V.22/v.22bis, 300/1200/2400bps is synchronously and asynchronous.
According to another feature of the present invention, this equipment comprises the magnetic stripe card of the user profile that has the client.This equipment comprises the Personal Identification Number (PIN) that offers the client and have only the client to know.According to magnetic stripe card and Personal Identification Number, the client can confirm each transaction.
Equipment of the present invention is supported following bank transaction:
Cash withdrawal
Inquiry into balance
Small-sized clearing
PIN revises
Spot assets.
It is contemplated that this account is not supported check book, but support to swipe the card, and can make account-holder's access cash and obtain interest, with the traditional bank system class seemingly.According to embodiments of the invention, bank can set the last limit of withdrawing the money every day.
According to a preferred embodiment of the invention, Fig. 4 shows Sarvatra
TMThe detail drawing of card.
Sarvatra
TMCard is the plastic clip that has magnetic stripe.The physical features of card is followed ISO 7810 standards.
The specification of card is as follows:
Size: 86 * 54mm;
Thickness: 0.76mm;
Magnetic stripe: the magnetic stripe of support is low strong stupid and high strong stupid.High coercive force bar is from 2500 to 4000 oersteds (Oe), and low coercive force bar is 300 oersteds.
Track coding:
To magnetic track 2 codings, recording density 75BPI (bit per inch), charcter topology is 5 of every characters.Magnetic track 2 can hold 40 characters.
It is individualized that card adopts card number, customer name, issuing date and the expiration date of 16 bit digital to realize.
Card comprises the signature that is positioned at card backside.
Card can also have client's photo.
Fig. 5 shows the operation on the POS terminal of being stuck in of using Fig. 4.For at Sarvatra
TMDiscern the user in the system, the system prompt user brushes magnetic stripe card.Fig. 5 has illustrated the action of swiping the card.Card must magnetic stripe scrubbing brush down and inwardly.
Fig. 6 shows according to Sarvatra of the present invention
TMTrading card.Trading card produces after transaction goes through.Trading card is printed double, and is a as mechanism's copy, and another part is given the client.
Trading card comprises following details:
Type of transaction
Type of transaction is at central authorities' bold print of trading card.
Mechanism's details
Mechanism's details as the title and the address of mechanism, are printed on the top of trading card.
Termination ID
Termination ID is at Sarvatra
TMThe identification number of unique identification POS terminal in the network.
Date and time
The date and time that trading card report transaction takes place.
Card number
Trading card is printed client's card number, can discern the user who carries out transaction.
Expiration date
The expiration date of expiration date field display card.
Method of commerce
The report transaction still is that manual input card number carries out by swiping the card.
Signature
Leave the zone that the client must sign after transaction goes through in the bottom of trading card.
The type of trading card
Trading card is printed double, and the record type is mechanism's copy or client's copy.This is printed on the bottom of trading card.
Fig. 7 and Fig. 7 a show cash withdrawal operation and subsidiary sample trading card.Cash withdrawal:
The POS terminal remains under the monitoring.
The client walks close to the POS terminal.
He selects the cash withdrawal option with the options button on the POS terminal.
Point out him by swipe the card (magnetic stripe down and inwardly) shown in Figure 7ly.
He imports the amount of money of withdrawing the money then.
Import PIN then.
The POS terminal is to Sarvatra
TMClient's remaining sum is checked in system's dialing, if desirable remaining sum is enough, then transaction goes through.
Produce two trading cards from the terminal of approval transaction.
The client goes up signature at two trading cards (mechanism's copy and client's copy), and passs the cashier.
The cashier passs the client cash together with client's copy of trading card.The sample of trading card is shown in Fig. 7 a.
Fig. 8 and Fig. 8 a show spot assets operation and subsidiary sample trading card.
Spot assets:
The client comes into branch, fills in the spot assets list, and passs the cashier cash, and cashier's number cash is also confirmed the amount of money.
The client selects the spot assets option from the POS terminal.
Point out him to swipe the card.As Fig. 81 shown in.
He imports amount deposited.
Import PIN then.
Then, POS terminal notifying administrator authorization.
This finishes by the gerentocratic card of cashier brush, as Fig. 82 shown in.
Cashier's input manager person PIN, and the amount of money of input deposit once more.
If the amount of money of client's input is different with cashier's input, then transaction is terminated.
Then, the POS terminal dialing is confirmed client and gerentocratic PIN, if pass through, then at once the required amount of money is deposited in client's account.
The method of obtaining the authorization of swiping the card for twice is the characteristics of native system.Transaction produces the trading card shown in Fig. 8 a.
Fig. 9 and Fig. 9 a show operation from the account to the account transfer and subsidiary sample trading card.
Transferring accounts from the account to the account:
The client walks close to be positioned at the POS terminal of branch.
He selects money transfer transactions from the POS menu.
Point out him to swipe the card.This as Fig. 91 as shown in.
Then, his the input amount of money of transferring accounts and his PIN.
Then, point out him or brush the card of " changing account over to ", perhaps the card number of manual input " changing account over to ".This as Fig. 92 shown in.
Then, the POS terminal is to Sarvatra
TMSystem dialing, behind the PIN that confirms remaining sum and client, with the required amount of money from " producing account " transfer accounts " changing account over to ".
If success, then generation comprises the trading card of the card number of " producing account " and " changing account over to ".
The sample of trading card is shown in Fig. 9 a.
Figure 10 shows the workflow diagram of opening an account and concluding the business in financial institution (patasanstha) lining according to the present invention.
The workflow of opening an account is as follows:
The client comes into a branch (being called Patasanstha in the drawings), fills in the table of opening an account, and gives the responsible person it.
Patasanstha collects all these requests of opening an account, and checking client and the request of will opening an account are delivered to federation (Federation) and be used to open an account.
Federation offers customer accounting code in specific Patasanstha.
For the client produces card, and distribute default PIN.
Client's card and default PIN are sent to Patasanstha.
Offer client's number of the account, wherein remaining sum is zero.
The client gets card in lines from local Patasanstha.
First transaction that allows on card is to revise PIN.Only after having revised default PIN, this customer accounting code just can be activated.
In case the client has revised PIN, and selected the new PIN that has only him to know, the account just is activated.
Now, the client can be to his fund account, and deposit society deposits his account very soon in.
Figure 11 shows according to the present invention from the workflow diagram of financial institution's enchashment gold.If cash withdrawal transaction, then the reconciliation between the Patasanstha (reconciliation) is online realization.This transaction is as follows:
The client of Patasanstha A goes member Patasanstha B to get the cash that the amount of money is 1000 rupees (Rs.) there.
Before the transaction, the remaining sum of each account is as follows:
Customer account Rs.10,000
Patasanstha?B Rs.200,000
When the client gets 1000 rupees of cashes, examine the remaining sum of its account.After confirming remaining sum, following transaction takes place:
Customer account debit 1000 (T)
*
Patasanstha B account credit side 1000 (T)
*
After the transaction, the amended remaining sum of each account is as follows:
Customer account Rs.9,000 (T)
*
Patasanstha B account Rs.201,000
T
*The expression transaction fee.
The notable feature of native system is that all these transaction all are online, and does not require and finish reconciliation (end of day reconciliation) every day.The also online credit side who charges to each side of transaction fee.
Figure 12 shows the workflow diagram according to spot assets transaction of the present invention.
If spot assets, then amount deposited can deposit client's account at once in.
The client of Patasanstha A goes member Patasanstha B to deposit the cash that the amount of money is 1000 rupees (Rs.) there.He passs the cashier amount deposited, is confirmed by it.
Before the transaction, the remaining sum of each account is as follows:
Customer account Rs.10,000
Patasanstha?B Rs.200,000
The client selects the spot assets transaction on the POS terminal, swipe the card input amount deposited and PIN thereof.The cashier brushes gerentocratic card, and imports amount deposited once more.After two cards and PIN were identified, it was authorized to conclude the business, and following transaction takes place:
Customer account credit side 1000 (T)
*
Patasanstha B account debit 1000 (T)
*
After the transaction, the amended remaining sum of each account is as follows:
Customer account Rs.11,000 (T)
*
Patasanstha B account Rs.199,000 (T)
*
T
*The expression transaction fee.
System according to the present invention is characterised in that the client can just finish the next cash of having deposited that utilizes constantly of credit transaction.The online credit side who charges to each side of transaction fee.
Figure 13 shows the workflow diagram according to collection account trading of the present invention.
This is the transaction of commerce to commerce (Business to Business).The trader offers the collection account at Patasanstha, and distributes the collection card to its dealer.These collection cards are used for paying the bill to the trader by the dealer.
Trader A offers the collection account at Patasanstha A, and takes 5 collection cards, is distributed to the dealer.Any payment that he notifies them to give him all uses collection to stick into row.
Now, when dealer A must be when the trader pays 200,000 rupees, he will carry out following operation.
He goes to member Patasanstha B place, brushes his card, and input will be transferred accounts to the amount of money of trader A.Then, brush the collection card of trader A, and import his PIN.
Before the transaction, the remaining sum of each account is as follows:
Dealer's account Rs.300,000
Trader's account Rs.500,000
Examine dealer's account balance, following transaction take place:
Dealer's account debit 200,000 (T)
*
Trader's account credit side 200,000 (T)
*
After the transaction, the amended remaining sum of each account is as follows:
Dealer's account Rs.100,000 (T)
*
Trader's account Rs.700,000 (T)
*
T
*The expression transaction fee.
The characteristics of this system are to make the trader can make things convenient for immediately collection.
Figure 14 shows the workflow diagram according to shop of the present invention transaction.
This transaction can make the client use the Sarvatra card to pay the bill to the businessman.In this transaction, customer account is debted at once, and merchant account is credited at once, and transaction fee is credited to debit and credit separately.
The client A purchase article of going shopping.He has bought and has been worth 1000 rupees article.
Before the transaction, the remaining sum of each account is as follows:
Customer account Rs.10,000
Merchant account Rs.200,000
When the businessman was given in payment, the client A passed the businessman card, and the businessman swipes the card, imports the amount of money of transaction, and passs the client POS terminal.
The client imports his PIN, after the affirmation remaining sum, following transaction takes place:
Customer account debit 1000 (T)
*
Merchant account credit side 1000 (T)
*
After the transaction, the amended remaining sum of each account is as follows:
Customer account debit 9000 (T)
*
Merchant account credit side 201,000 (T)
*
T
*The expression transaction fee.
The characteristics of this system are that the trade expense can onlinely finish.
Therefore, according to Sarvatra of the present invention
TMSystem can carry out financial transaction by point of sale (POS) terminal.This system uses the POS terminal can carry out following transaction with unique mode, just:
Cash withdrawal
Spot assets
Account is to the transfer of financial resources of account
Inquiry into balance
PIN revises.
Therefore, the main feature of this system is as follows:
Online and instant transaction
Online reconciliation between the mechanism
Can be to some online mandate of concluding the business
System is reliable, and client foundation structure requires low
System is based upon on industry standard architecture and ISO 8583 agreements.
Although the present invention, particularly system and equipment are described in certain embodiments with in using, but those of ordinary skills, according to this instruction,, can generate additional embodiments and modification not breaking away from spirit of the present invention and exceeding under the situation of scope of the present invention.Therefore, the description that is understood that example provided herein is in order to understand the present invention better, and should not be interpreted as the restriction to its scope.
The Figure of description description of symbols
Figure 10:
1-client enters into ownership Patasanstha
2-Patasanstha verifies the client, and the table of will opening an account is given to federation
3-opens an account in Sarvatra, and remaining sum is zero
4-will open an account and confirm the notice switch
5-produces card number and is dealt into federation, on card default PIN is set
6-issues Patasanstha with card
7-client is from the Patasanstha card drawing
He must revise PIN to activate card 8-.Unless the client revises PIN, otherwise will refuse that it is any
Other transaction
Figure 11:
1-client enters into any branch of Patasanstha
2-swipes the card on the POS terminal, the input PIN and the amount of money of withdrawing the money
The 3-POS terminal dialing connects the EFT switch
The 4-switch sends transaction to Sarvatra
5-Sarvatra checks the transaction source, if conclude the business from ownership Patasanstha, then verifies remaining sum, and charges to the debit of customer account, charges to the credit side of ownership Patasanstha account
If 6-source is non-attribution Patasanstha, the remaining sum of system verification customer account then, and charge to the debit of customer account, charge to the credit side of the Patasanstha account that obtains transaction
The 7-switch sends " OK " to the POS terminal
8-client gets trading card from the POS terminal
9-client gives the cashier with trading card, and neck money
Figure 12:
1-client enters into any branch or member Patasanstha, by cashier's gold of depositing cash
He swipes the card 2-on the POS terminal, the input amount deposited
3-receives and pays out by the authorized transactions of swiping the card, and imports amount deposited and PIN once more
4-POS terminal verification management person card, and be dial-up connection to switch
The 5-EFT switch sends transaction to Sarvatra
6-Sarvatra deposits the amount of money in customer account, and sends " OK " to switch
7-produces trading card from the POS terminal, and the cashier signs on trading card and passs the client
Figure 13:
The 1-dealer enters into Patasanstha, wants to pay 10,000 rupees to the trader who belongs to the Sarvatra system
He brushes the card of oneself 2-, the amount of money of input payment
He brushes the collection card 3-, and input PIN
The 4-transaction enters in the switch, with checking PIN and client's details
After the 5-checking, switch is concluded the business to the Sarvatra system forwards
6-is after confirming remaining sum, and the Sarvatra system charges to the debit of dealer's account with the required amount of money, the required amount of money is charged to trader's credit side
The trading card of the transaction that 7-generation dealer keeps
Figure 14:
1-client enters into any shop, has bought the article of the X amount of money
3-businessman brushes client's card, and the amount of money of input purchase, and the client imports PIN
The 4-POS terminal sends transaction by dialing to the EFT switch, is used for authorizing
5-is after confirming card and PIN, and the EFT switch sends transaction to Sarvatra
The 6-Sarvatra system charges to the debit of customer account with buying the amount of money, and charges to the credit side of merchant account after confirming remaining sum, sends " OK " to switch
7-produces two trading cards from the POS terminal, and the client signs on trading card, and gives the businessman with a copy.
Claims (10)
1. equipment that is used to handle bank transaction, described bank transaction comprise that the account-holder of a branch bank authorizes outlet access cash from other any branch bank or other, and each described branch has unique bank identification number; Described equipment comprises:
[i] data center has the Sarvatra group of definition here and the data storage device of storage data;
[ii] is used to keep the operation center of All Activity record;
[iii] is arranged on all described branches and other authorize the POS terminal of outlet;
[iV] account data memory storage is used for authorizing the customer account information and the record of outlet storage remote-operable in all described branches and other;
[v] network interface, pass through network, as PSTN dialing, GSM, Ethernet and similar network, connect described data center and described operation center, described POS terminal and described data center, and described account data memory storage and described data center, be used for any account-holder's of any branch of access bank account;
[vi] card is recordable account-holder's accounts information above it, and described card is readable by described POS terminal;
[vii] is arranged on the electronic finance trade switch in the described data center, be used for sending and receiving from described POS terminal information by connecting network, send and receive information from the described account data memory storage in the described branch, also be used for sending and the reception transaction to branch bank selectively, be used for the information of All Activity in the described operation center of access according to described bank identification number.
2. the equipment that is used to handle bank transaction as claimed in claim 1, wherein said electronic banking switch are used for linking to each other with the electronic banking switch of other mechanisms, to carry out the transaction between the mechanism.
3. the equipment that is used to handle bank transaction as claimed in claim 1, wherein said POS terminal have the serial line interface that is used for as printer, PIN PAD and similar external unit.
4. the equipment that is used to handle bank transaction as claimed in claim 1, wherein said POS terminal has Ethernet interface, is used for described POS terminal is connected to LAN (Local Area Network).
5. the equipment that is used to handle bank transaction as claimed in claim 1, wherein said POS terminal has the interface that described POS terminal is connected to global mobile system, to utilize the mobile network.
6. the equipment that is used to handle bank transaction as claimed in claim 1, wherein said data center comprises network access controller, it comprises one group of modulator-demodular unit that is used to be dial-up connection to described POS terminal, is used for receiving information from described POS terminal, and is transmitted to described electronic banking switch.
7. the equipment that is used to handle bank transaction as claimed in claim 1, wherein said data center comprises Sarvatra group, it has the main frame that (i) is used to handle transaction; (ii) be used to differentiate and produce the security module of client's Personal Identification Number, be used to encrypt the encryption device of all information and POS transaction, be used to differentiate the identification device of POS terminal; The interface that (iii) is used for described electronic banking switch is used for reading request from described switch, and the deciphering described request is transmitted request to the described main frame that is used to handle, and sent the information of handling to described switch.
8. the equipment that is used to handle bank transaction as claimed in claim 7, wherein said electronic banking switch are used to keep along the daily record from each transaction of POS terminal that transmits that passage receives, and at described operation center stored daily record data.
9. the equipment that is used to handle bank transaction as claimed in claim 7, wherein said Sarvatra
TMInterface among the group is ISO 8583 interfaces, is used for reading the request of adopting ISO 8583 forms from described electronic banking switch, and the deciphering described request, and be transmitted to the described main frame that is used to handle.
10. the equipment that is used to handle bank transaction as claimed in claim 7, wherein said Sarvatra
TMInterface among the group is used for keeping formation under the situation that main frame does.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CNA2005100028493A CN1753038A (en) | 2004-09-21 | 2005-01-25 | Equitment for treating bank transaction containing cash drawing |
Applications Claiming Priority (2)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| IN994/MUM/2003 | 2004-09-21 | ||
| CNA2005100028493A CN1753038A (en) | 2004-09-21 | 2005-01-25 | Equitment for treating bank transaction containing cash drawing |
Publications (1)
| Publication Number | Publication Date |
|---|---|
| CN1753038A true CN1753038A (en) | 2006-03-29 |
Family
ID=36680350
Family Applications (1)
| Application Number | Title | Priority Date | Filing Date |
|---|---|---|---|
| CNA2005100028493A Pending CN1753038A (en) | 2004-09-21 | 2005-01-25 | Equitment for treating bank transaction containing cash drawing |
Country Status (1)
| Country | Link |
|---|---|
| CN (1) | CN1753038A (en) |
Cited By (3)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN101162541B (en) * | 2006-10-11 | 2012-10-31 | Ncr公司 | System and method for providing remote site intervention support for self-checkout stations |
| CN104599409A (en) * | 2015-01-30 | 2015-05-06 | 深圳市中钞信达金融科技有限公司 | Money depositing and withdrawing trading terminal system and method |
| TWI486897B (en) * | 2013-01-25 | 2015-06-01 | Taiwan Familymart Co Ltd | Barcode deposit system and barcode deposit method |
-
2005
- 2005-01-25 CN CNA2005100028493A patent/CN1753038A/en active Pending
Cited By (3)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN101162541B (en) * | 2006-10-11 | 2012-10-31 | Ncr公司 | System and method for providing remote site intervention support for self-checkout stations |
| TWI486897B (en) * | 2013-01-25 | 2015-06-01 | Taiwan Familymart Co Ltd | Barcode deposit system and barcode deposit method |
| CN104599409A (en) * | 2015-01-30 | 2015-05-06 | 深圳市中钞信达金融科技有限公司 | Money depositing and withdrawing trading terminal system and method |
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Open date: 20060329 |