TWI833165B - Paperless transfer system - Google Patents

Abstract

A paperless transfer system is provided. The paperless transfer system includes a processor and an ATM, an image capture device, an image recognition device and a bar code generator connected to the processor. The ATM has a card reading device, a plurality of buttons and a display device. The card reading device is suitable for reading financial cards, the plurality of buttons are suitable for receiving various transaction related information, and the display device is suitable for displaying the operation interface, transaction details and transaction results. The image capturing device captures the payment image of the payment file. The image recognition device recognizes the payment image, converts the payment image into transaction details, and displays it on the display device for the user to confirm or modify. The barcode generator embeds the transaction result in the transaction barcode after the transaction is completed, and displays it on the display device for the user to scan and read or store.

Description

Paperless transfer payment system

The present invention relates to a transfer payment system, and in particular to a paperless transfer payment system.

Currently, when users want to perform transfer or payment functions at an ATM, they often need to enter the account number of a passbook, debit card, credit card, or the charge-off number of a payment notice, and at the same time compare the correctness of the content displayed on the display screen. This traditional operation method causes trouble and inconvenience to users. It also causes users to worry about incorrect information input and creates a psychological burden. In addition, the transaction details printed on the thermal paper after a successful transaction are not only difficult to retain, but also produce harmful chemicals such as heavy metals, organic volatiles, and dioxin after burning, causing paper waste and environmental pollution. In order to reduce operational risks caused by misplacement or comparison errors, as well as reduce paper waste and environmental pollution, it is necessary to propose improved technical means to solve the above problems.

The present invention provides a paperless transfer payment system that can capture and identify transaction information using images, and replaces printing transaction details on thermal-sensitive paper with paperless operations to provide customers with a more convenient and environment-friendly service. service.

The paperless transfer payment system of the present invention includes a processor, an automatic teller machine, an image capture device, an image recognition device and a barcode generator connected to the processor. The automatic teller machine has a card reading device, a plurality of buttons and a display device. The card reading device is suitable for reading financial cards, the plurality of buttons are suitable for receiving various transaction-related messages, and the display device is suitable for displaying the operation interface, transaction details and transaction results. The image capture device captures the payment image of the payment information. The image recognition device recognizes the payment image, converts the payment image into transaction details, and displays them on the display device for the user to confirm or modify. After completing the transaction, the barcode generator embeds the transaction result in the transaction barcode and displays it on the display device for the user to scan to read or store.

In one embodiment of the present invention, when the user inserts the financial card into the card reading device, the ATM determines that the user has made a card-present transaction and performs an identity verification process, wherein the identity verification process includes inputting all the information corresponding to the user's specific account. The ATM determines whether the user is the owner of a specific account based on the password.

In an embodiment of the present invention, a biometric identification device is further included, connected to the processor, for detecting and identifying at least one biometric feature of the user.

In one embodiment of the present invention, when the user clicks the scan biometric command on the operating interface displayed on the display device, the ATM determines that the user has made a card-less transaction and performs an identity verification process, where the identity verification process includes a biometric verification process. The feature identification device detects and identifies at least one biometric feature of the user, and the ATM determines whether the user is the owner of a specific account based on the at least one biometric feature.

In an embodiment of the present invention, the above-mentioned at least one biometric feature may include fingerprint, palm print, vein distribution, iris, retina, facial features, voiceprint or signature recognition.

In an embodiment of the present invention, the above-mentioned payment information may be a passbook cover image file, a debit card image file, a credit card image file, a payment notice, a ticket, an electronic message, or handwritten account information.

In one embodiment of the present invention, the above-mentioned passbook cover images, financial card images, credit card images, payment notices, and fines are further one-dimensional barcodes or two-dimensional barcodes.

In an embodiment of the present invention, the one-dimensional barcode or two-dimensional barcode of the above-mentioned payment notice or ticket further has a cancellation number embedded therein.

In an embodiment of the present invention, a voice output device is further included, connected to the processor, for reading transaction details and transaction results according to user selection.

In an embodiment of the present invention, the above-mentioned speech output device can read aloud in one of a plurality of default languages and a plurality of dialects in the built-in language information library according to the user's selection.

In an embodiment of the present invention, the above-mentioned transaction barcode is a one-dimensional barcode or a two-dimensional barcode.

In one embodiment of the present invention, the above-mentioned transaction barcode is an encrypted barcode. After scanning the encrypted barcode, the user needs to enter a preset password to read or save.

In one embodiment of the present invention, the above-mentioned image recognition device converts the payment image into transaction details. When the transaction details only have the name of the financial institution, the display device automatically loads the financial institution code corresponding to the name of the financial institution.

In one embodiment of the present invention, the above-mentioned image recognition device converts the payment image into transaction details. When the transaction details do not include the name of the financial institution and the code of the financial institution, the display device displays an information supplementary message.

In one embodiment of the present invention, the above-mentioned image recognition device converts the payment image into transaction details. When the transaction details have a financial institution name and a financial institution code, and the financial institution name does not correspond to the financial institution code, the display device displays Information correction message.

In one embodiment of the present invention, the above-mentioned image recognition device converts the payment image into transaction details. When the transaction details only have the branch name, the display device automatically loads the branch code corresponding to the branch name.

In one embodiment of the present invention, the above-mentioned image recognition device converts the payment image into transaction details. When the transaction details do not include the branch name and branch code, the display device displays an information supplementary message.

In one embodiment of the present invention, the above-mentioned image recognition device converts the payment image into transaction details. When the transaction details have a branch name and a branch code, and the branch name does not correspond to the branch code, the display device displays Information correction message.

In an embodiment of the present invention, when the above-mentioned image recognition device cannot recognize the payment image, the display device displays a prompt for manually entering transaction details.

In one embodiment of the present invention, the above-mentioned image recognition device converts the payment image into transaction details. When the transaction details do not contain the transaction amount, the display device displays an information supplementary message.

Based on the above, the present invention allows users to load transaction information through image capture and recognition, thereby effectively reducing operational risks caused by misplacement or comparison errors, and when the transaction is completed, it can be operated in a paperless manner. Instead of printing transaction details on thermal sensitive paper, it reduces paper waste and environmental pollution, thereby providing customers with more convenient and environmentally friendly services.

FIG. 1 is a schematic diagram illustrating a paperless transfer payment system according to an embodiment of the present invention.

Please refer to Figure 1. In this embodiment, the paperless transfer payment system 100 includes a processor 110 and an automatic teller machine 120 connected to the processor 110, an image capture device 130, an image recognition device 140, a barcode generator 150, Biometric identification device 160 and voice output device 170.

In this embodiment, the processor 110 is, for example, a central processing unit (CPU), or other programmable general-purpose or special-purpose micro control unit (MCU), microprocessor ( microprocessor), digital signal processor (DSP), programmable controller, application specific integrated circuit (ASIC), graphics processing unit (GPU), image signal processor (image signal processor, ISP), image processing unit (IPU), arithmetic logic unit (ALU), complex programmable logic device (CPLD), field programmable logic gate Array (field programmable gate array, FPGA) or other similar components or a combination of the above components.

In this embodiment, the ATM 120 has a card reading device, a plurality of buttons, and a display device. The card reading device is suitable for reading financial cards, the plurality of buttons is suitable for receiving various transaction-related messages, and the display device is suitable for displaying an operation interface. , transaction details and transaction results. The image capture device 130 captures the payment image of the payment information. The image recognition device 140 recognizes the payment image, converts the payment image into transaction details, and displays them on the display device for the user to confirm or modify. After completing the transaction, the barcode generator 150 embeds the transaction result in the transaction barcode and displays it on the display device for the user to scan to read or store. The biometric identification device 160 detects and identifies at least one biometric feature of the user. The voice output device 170 reads the transaction details and transaction results aloud according to the user's selection.

In this embodiment, the image capture device 130, the image recognition device 140, the barcode generator 150, the biometric recognition device 160 and the voice output device 170 adopt a structure in which multiple modules are integrated into the ATM 120, and are processed The machine 110 is connected to the ATM 120. In other embodiments, the image capture device 130 , the image recognition device 140 , the barcode generator 150 , the biometric recognition device 160 and the voice output device 170 can also be respectively configured around or adjacent to the ATM 120 , and can be individually configured via The processor 110 is connected to the ATM 120, and the invention is not limited thereto.

In this embodiment, when the user inserts the financial card into the card reading device, the ATM 120 determines that the user has performed a card-present transaction and performs an identity verification process, where the identity verification process includes inputting a password corresponding to the user's specific account owner. Password, the ATM 120 determines whether the user is the owner of a specific account based on the password.

In another embodiment, when the user clicks the scan biometric command on the operating interface displayed on the display device, the ATM 120 determines that the user has made a card-not-present transaction and performs an identity verification process, where the identity verification process includes biometric verification. The identification device 160 detects and identifies at least one biometric feature of the user, and the ATM 120 determines whether the user is the owner of a specific account based on the at least one biometric feature.

In this embodiment, the at least one biometric feature may include fingerprints, palm prints, vein distribution, iris, retina, facial features, voiceprint or signature recognition.

In this embodiment, the payment information may be a passbook cover image, a financial card image, a credit card image, a payment notice, a ticket, an electronic message, or handwritten account information. In other embodiments, the payment information can also be other documents containing account information or transfer instructions, and the present invention is not limited thereto.

In this embodiment, the passbook cover image file, financial card image file, credit card image file, payment notice, and ticket include one-dimensional barcodes or two-dimensional barcodes. For example, in order to facilitate the payee's subsequent write-off operations, the one-dimensional or two-dimensional barcode of the payment notice or ticket is embedded with a write-off number. In other embodiments, the one-dimensional barcode or the two-dimensional barcode can also be embedded with other information, and the present invention is not limited thereto.

In this embodiment, the speech output device 170 can read aloud in one of a plurality of default languages and a plurality of dialects in the built-in language information library according to the user's selection.

In this embodiment, the transaction barcode is a one-dimensional barcode or a two-dimensional barcode, and the transaction barcode is an encrypted barcode. After scanning the encrypted barcode, the user needs to enter a default password to read or save. In this embodiment, the one-dimensional barcode can be a Code 39 barcode, an interleaved 25 barcode, an EAN-13 barcode, an EAN-8 barcode or a Code 128 barcode, and the two-dimensional barcode can be a quick response code (QR). Code), PDF 417 barcode or Data Matrix barcode.

In other embodiments, the type of one-dimensional barcode or two-dimensional barcode can be changed according to actual needs or widespread use, or it can be a composite barcode that integrates one-dimensional barcode and two-dimensional barcode. The present invention does not take this as an example. limit.

In a further embodiment, the transaction barcode may not be displayed on the display device in the form of a barcode. You may choose to install a wireless sensor element in the ATM 120, and the wireless sensor element transmits the information embedded in the transaction barcode to a portable device. Wireless transmission components of electronic devices, such as a corresponding pair of wireless network (Wi-Fi) components, a pair of Bluetooth (bluetooth) components, a pair of radio frequency identification (RFID) components or a pair of near-field components Communication (near field communication, NFC) components.

In this embodiment, the image recognition device 140 converts the payment image into transaction details. When the transaction details only have the name of the financial institution, or when the transaction details only have the name of the branch, the display device automatically loads the corresponding information of the financial institution. The financial institution code for the name, and the branch code corresponding to the branch name is automatically loaded.

In another embodiment, the image recognition device 140 converts the payment image into transaction details. When the transaction details do not have the name of the financial institution and the code of the financial institution, or when the transaction details do not have the name of the branch and the code of the branch, The display device displays information supplementary messages such as "Please enter the financial institution/branch code" or "Transaction content is incomplete".

In another embodiment, the image recognition device 140 converts the payment image into transaction details. When the transaction details have a financial institution name and a financial institution code, and the financial institution name does not correspond to the financial institution code, or when the transaction details have Branch name and branch code, and when the branch name does not correspond to the branch code, the display device displays information correction messages such as "Please enter the correct financial institution/branch code" or "Incorrect transaction content."

In other embodiments, when the image recognition device 140 cannot recognize the payment image, the display device displays a manual input transaction details prompt such as "Please manually enter the payment financial institution/branch code and transaction amount instead."

In this embodiment, the image recognition device 140 converts the payment image into transaction details. When the transaction details do not include the transaction amount, the display device displays information supplementary messages such as "Please enter the transaction amount" or "Transaction content is incomplete."

In summary, the paperless transfer payment system 100 proposed by the present invention allows users to load transaction information through image capture and recognition, thereby effectively reducing operational risks caused by misplacement or comparison errors. , and when the transaction is completed, paperless operation is used instead of printing transaction details on thermal sensitive paper to reduce paper waste and environmental pollution, so as to provide customers with more convenient and environmentally friendly services.

In addition, the present invention helps financial institutions to meet the net-zero emission standards of green energy, environmental protection, energy conservation and carbon reduction when providing transfer and payment services through automatic teller machines, thereby improving the quality, efficiency and corporate image of financial services.

100: Paperless transfer payment system 110: Processor 120:ATM 130:Image capture device 140:Image recognition device 150:Barcode generator 160:Biometric identification device 170: Voice output device

FIG. 1 is a schematic diagram illustrating a paperless transfer payment system according to an embodiment of the present invention.

100: Paperless transfer payment system

110: Processor

120:ATM

130:Image capture device

140:Image recognition device

150:Barcode generator

160:Biometric identification device

170: Voice output device

Claims (17)

A paperless transfer payment system includes: a processor; an automatic teller machine connected to the processor and having a card reading device, a plurality of buttons and a display device, wherein the card reading device is suitable for reading a financial card, The buttons are adapted to receive a user's input of various transaction-related messages, and the display device is adapted to display an operation interface, a transaction details and a transaction result, wherein when the user inserts the financial card into the card reading device, The ATM determines that the user conducts a card-present transaction and performs an identity verification procedure, wherein the identity verification procedure includes inputting a password corresponding to a specific account owner of the user, and the ATM determines that the user has used the card based on the password. whether the owner of the specific account; an image capture device connected to the processor to capture a payment image of a payment information; an image recognition device connected to the processor to identify the payment Image, convert the payment image into the transaction details, and display it to the display device for the user to confirm or modify the transaction details. When the transaction details only have a financial institution name, the display device automatically loads a financial institution code corresponding to the name of the financial institution; and a barcode generator connected to the processor for embedding the transaction result in a transaction barcode after the user completes the transaction and displaying it to the display device , for the user to scan to read or save the transaction results. The paperless transfer payment system as described in request item 1 further includes: A biometric identification device connected to the processor for detecting and identifying at least one biometric feature of the user, wherein when the user clicks a scan biometric command on the operating interface displayed on the display device, the The ATM determines that the user has conducted a card-not-present transaction and performs an identity verification procedure, wherein the identity verification procedure includes detecting and identifying the at least one biometric feature of the user by the biometric identification device, and the ATM machine performs a card-not-present transaction based on the at least one biometric feature of the user. A biometric determines whether the user is the owner of that particular account. The paperless transfer payment system of claim 2, wherein the at least one biometric feature may include a fingerprint, a palm print, a vein distribution, an iris, a retina, a facial feature, a voiceprint or a signature identify. The paperless transfer payment system as described in request item 1, wherein the payment information can be a passbook cover image file, a financial card image file, a credit card image file, a payment advice, a ticket, an electronic message or It is a hand-copied account information. The paperless transfer payment system as described in request item 4, wherein the passbook cover image file, the financial card image file, the credit card image file, the payment notice, and the ticket further have a one-dimensional barcode or a one-dimensional barcode. barcode. The paperless transfer payment system as described in claim 5, wherein the payment notice or the one-dimensional barcode or the two-dimensional barcode of the ticket further embeds a cancellation number. The paperless transfer payment system as described in claim 1 further includes: a voice output device connected to the processor for reading the transaction details and the transaction result according to the user's selection. The paperless transfer payment system as described in claim 7, wherein the voice output device can read aloud in one of a plurality of default languages and a plurality of dialects in a built-in language information library according to the user's selection. The paperless transfer payment system as described in claim 1, wherein the transaction barcode is a one-dimensional barcode or a two-dimensional barcode. The paperless transfer payment system as described in claim 1, wherein the barcode of the transaction is an encrypted barcode, and the user needs to enter a preset password to read or save after scanning the encrypted barcode. The paperless transfer payment system as described in claim 1, wherein the image recognition device converts the payment image into the transaction details, and when the transaction details do not have a financial institution name and a financial institution code, the display device Display an information supplement message. The paperless transfer payment system as described in claim 1, wherein the image recognition device converts the payment image into the transaction details, when the transaction details have a financial institution name and a financial institution code, and the financial institution name When it does not correspond to the financial institution code, the display device displays an information correction message. The paperless transfer payment system as described in claim 1, wherein the image recognition device converts the payment image into the transaction details, and when the transaction details only have a branch name, the display device automatically loads the corresponding A branch code for the branch name. The paperless transfer payment system as described in claim 1, wherein the image recognition device converts the payment image into the transaction details. When the transaction details do not When there is a branch name and a branch code, the display device displays an information supplementary message. The paperless transfer payment system as described in claim 1, wherein the image recognition device converts the payment image into the transaction details, when the transaction details have a branch name and a branch code, and the branch name When the branch code does not correspond to the branch code, the display device displays an information correction message. The paperless transfer payment system as described in claim 1, wherein when the image recognition device cannot recognize the payment image, the display device displays a manual input transaction details prompt. The paperless transfer payment system as described in claim 1, wherein the image recognition device converts the payment image into the transaction details, and when the transaction details do not have a transaction amount, the display device displays an information supplementary message.

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