TWM652555U - Financial system for withdrawal service - Google Patents

Abstract

A financial system for withdrawal service is provided. The financial system includes a processor and an identification device. The processor communicates with a bank server. The identification device is coupled to the processor and is configured to receive withdrawal information to generate an identification result. The processor judges whether the identification result matches account information stored in the bank server, so as to generate a comparison result. In response to the comparison result being data matching, the processor performs a withdrawal process on a user account corresponding to the withdrawal information, and outputs a verification code.

Description

Financial debit system

The invention relates to a financial management system, and in particular to a financial debit system.

Customers conduct deposit and withdrawal operations with banks. Generally speaking, in the counter operation, the withdrawal business requires the customer to go to the counter with the withdrawal slip filled in with the withdrawal information to withdraw money. Then, after the counter clerk checks that the withdrawal slip and seal are correct, the corresponding depositor account is debited, the magnetic stripe content of the passbook is updated, and the passbook and the corresponding amount are delivered to the customer. However, when a customer fills out the withdrawal form incorrectly or the seal does not match the stored seal, the counter clerk often spends a lot of time explaining and confirming to the customer. Therefore, banks cannot provide the current efficient and convenient withdrawal services at bank counters.

This new creation provides a financial debit system that can use an identification device and a processor to pre-process cash withdrawal operations to reduce the time required to withdraw cash at the counter.

The financial debit system created by the present invention includes a processor and an identification device. The processor communicates with the bank server. The identification device is coupled to the processor and configured to receive withdrawal data to generate an identification result. The processor determines whether the identification result matches the account information stored in the bank's server to generate a comparison result. In response to the comparison result being that the data matches, the processor debits the user account corresponding to the withdrawal data and outputs the authentication code.

The financial debit system created by the present invention also includes a printing device, and in response to the comparison result, the processor updates the withdrawal data through the printing device, and lists the withdrawal receipt in the withdrawal data. Print the authentication code. Then, the processor is further used to receive the counter confirmation message, and upload the withdrawal completion data to the bank server according to the user account and withdrawal information in the counter confirmation message to complete the withdrawal operation and online account update operation.

In the financial debit system created by the present invention, in response to the debit operation being performed on the user account, when the user account does not perform a withdrawal operation on a debit day of the debit operation, the processor performs an amount calculation on the user account. Save the job.

Based on the above, the financial debit system of the present disclosure can provide the user/customer with pre-confirmation of the completion of the withdrawal form, the stamp on the withdrawal form (ie, the stamp of the seal) and the correctness of the passbook through the identification device and the processor, and then execute Debit operation and printing the debit information and withdrawal verification code on the withdrawal slip. In this way, users can first confirm the correctness of the withdrawal slip and seal through the financial debit system, and debit the account in advance, thereby significantly reducing the bank teller's withdrawal process to save labor costs, overall financial work time, and users waiting time.

Some embodiments of the present invention will be described in detail with reference to the drawings. The component symbols cited in the following description will be regarded as the same or similar components when the same component symbols appear in different drawings. These embodiments are only part of the invention and do not disclose all possible implementation modes of the invention. Rather, these embodiments are merely examples within the scope of the patent application for this novel creation.

Please refer to Figure 1, which is a schematic diagram of a financial debit system according to an embodiment of the present invention. In this embodiment, the financial debit system 100 includes a processor 110 and an identification device 120 . The processor 110 is communicatively connected with the bank server. For example, the processor 110 can communicate with a bank server through a wired network or a wireless network. In this embodiment, the identification device 120 is coupled to the processor 110 and configured to receive withdrawal information to generate an identification result.

Figure 2 is a schematic flow chart of a financial debit system according to an embodiment of the present invention. As shown in Figures 1 and 2, the financial debit system can perform the following steps S210~S240. In step S210, the identification device 120 receives the withdrawal information and generates an identification result. Specifically, the user puts the withdrawal information into the receiving port/receiving hole of the identification device 120, so that the identification device 120 receives the withdrawal information. Then, the identification device 120 reads the withdrawal slip information and the seal image on the withdrawal slip through image recognition technology, and the identification device 120 reads the magnetic strip on the passbook to obtain the passbook information. In this way, the identification device 120 uses the identified withdrawal information, seal image and passbook information as the identification result. The withdrawal slip information includes the withdrawal amount, withdrawal account, withdrawal date, depositor's signature and other information.

In this embodiment, the withdrawal information is the withdrawal slip and passbook (i.e. bank deposit book). A withdrawal slip is a withdrawal slip or a withdrawal receipt, that is, a withdrawal slip filled in with the withdrawal amount, withdrawal account, and seal stamp. In one embodiment, the withdrawal information is at least one withdrawal receipt and at least one passbook. In another embodiment, the withdrawal information is a plurality of withdrawal receipts and at least one or more passbooks. That is to say, the identification device 120 of the financial debit system 100 can read and identify multiple withdrawal slips and multiple bank books in sequence.

For example, the user puts the first withdrawal receipt into the recognition device 120, and the recognition device 120 completes recognition of the first withdrawal receipt to generate a recognition result. Next, the processor 110 will print the debit information and authentication code on the first withdrawal receipt through the printing device 140 based on the identification result and the comparison result. The identification device 120 will print the third withdrawal receipt with the debit information and authentication code. A withdrawal receipt exits the receiving port to be returned to the user. In this way, the user can repeatedly insert the second withdrawal receipt, the Nth withdrawal receipt or the Nth passbook, where N is a natural number.

In another embodiment, the withdrawal data is a plurality of withdrawal receipts and passbooks, in which the identification device 120 receives a plurality of withdrawal receipts respectively, and the identification device 120 performs identification operations on the plurality of withdrawal receipts to generate identification results, and The identification device 120 outputs the identification result to the processor 110 .

In step S220, the processor 110 receives the recognition result. Specifically, the identification device 120 takes the result of identifying the withdrawal slip, passbook, and seal stamp as the identification result, and outputs it to the processor 110 . In step S230, the processor 110 determines whether the identification result matches the account information stored in the bank server 200 to generate a comparison result. Specifically, the processor 110 compares the recognition result including the withdrawal account, the withdrawal amount and the seal image (ie, the recognition result of the seal stamp) with the corresponding account information in the bank server 200, and then determines the account corresponding to the withdrawal account. Whether the data matches the identification results. Account information includes account user name, account-retained seal image, account-retained seal stamp, account balance, and account withdrawal amount on the day.

In step S240, in response to the comparison result being that the data matches, the processor 110 performs a debit operation on the corresponding user account and outputs the authentication code. Specifically, when the withdrawal information matches the corresponding account information, the processor 110 performs a debit operation on the account. That is to say, when the signature image of the withdrawal data matches the stored signature of the corresponding account data, the processor 110 generates a matching comparison result and performs a debit process on the corresponding user account. In one embodiment, the processor 110 performs a debit process on the account information in the storage device 130 . In other words, the processor 110 temporarily stores the account information in the bank server 200 in the storage device 130 of the financial debit system 100, and deducts the balance of the user's account according to the withdrawal amount in the withdrawal information.

In one embodiment, after the user account completes the debit operation, the processor 110 outputs the authentication code and debit information to the user, so that the user can go to the counter to withdraw cash through the debit information and authentication code, thereby greatly increasing the number of cash withdrawals. Reduce labor costs and time required for financial work processes. Debit information includes debit account, debit account name, debit amount, debit date, etc. For example, the processor 110 may send the deduction information and the authentication code to the user's mobile device by sending a text message. In another embodiment, the processor 110 prints the deduction information and the authentication code on the withdrawal slip, so that the user can withdraw cash at the counter through the withdrawal slip.

In response to the comparison result being that the data does not match, the processor 110 displays the comparison information on the display. Specifically, when the withdrawal amount or the signature image of the withdrawal data does not match the stored signature or balance of the corresponding user account, the processor 110 displays the comparison information on the display. The processor 110 displays the corresponding message based on the mismatched information. The message may be "wrong seal", "withdrawal amount is greater than balance", "account error" or "withdrawal amount is greater than daily limit", etc. .

In one embodiment, in response to the comparison result of the account data being that the number of data inconsistencies is greater than a threshold, the processor 110 displays a specific message on the display. For example, when the number of comparison results corresponding to the same account information is inconsistent more than 5 times, the processor 110 displays a specific message as "Please go to the counter to withdraw money", "Please contact the counter" or "Please go to the counter. Dedicated service".

In one embodiment, in response to the processor 110 performing a debit operation on the user account and the user account does not perform a withdrawal operation on a debit day of the debit operation, the processor 110 performs an amount debit on the user account. Save the job. Specifically, when the user has put the withdrawal slip and passbook into the identification device 120, and the comparison result generated by the processor 110 is that the data is consistent, the user's account is debited. However, after the end of the same working day, when the user has not gone to the counter to withdraw cash (i.e., the withdrawal operation), the processor 110 will deposit the amount debited from the user account back to the user account to complete the return of the amount. Save the job.

In one embodiment, based on the account information stored in the bank server 200, the processor 110 determines whether the user account corresponding to the withdrawal information is a warning account. In response to the user account corresponding to the withdrawal information being a warning account, the processor 110 outputs a warning message. In one embodiment, the processor 110 displays the warning message on the display of the financial debit system 100 . In another embodiment, the processor 110 outputs a warning message to the bank server 200 to alert bank employees.

In one embodiment, the financial debit system 100 further includes a printing device 140, and the processor 110 is further configured to update the withdrawal data through the printing device 140 in response to the comparison result being that the data matches. Furthermore, the processor 110 prints the authentication code on the withdrawal receipt (ie, withdrawal slip) in the withdrawal data. Next, the processor 110 receives the counter confirmation message, and uploads the withdrawal completion data to the bank server 200 according to the user account and withdrawal information in the counter confirmation message to complete the update of the account and confirmation of the debit operation. For example, after the user goes to the counter to withdraw cash with a withdrawal slip printed with an authentication code and/or withdrawal information, the counter clerk sends a counter confirmation message to the processor 110 . In this way, the processor 110 updates the content of the deduction operation to the bank server 200 based on the withdrawal account and withdrawal amount in the counter confirmation message, thereby causing the bank server 200 to complete the deduction of the amount and the update of the account.

In one embodiment, the financial debit system 100 further includes a storage device 130 . The storage device 130 stores withdrawal rules. The processor 110 is further configured to determine whether the withdrawal amount in the identification result is greater than the withdrawal threshold of the withdrawal rule (for example, NT$100,000, NT$500,000, etc.). In response to the withdrawal amount being greater than the withdrawal threshold, the processor 110 displays a reminder message on the display and generates a comparison result indicating that the data does not match.

In one embodiment, the withdrawal information is a withdrawal receipt and a passbook. After the identification device 120 receives the withdrawal receipt and the passbook, the identification device 120 performs an identification operation on the withdrawal receipt and the passbook to generate an identification result, and the identification device 120 outputs the identification result to the processor 110 . The identification operation can be optical image identification, image identification, magnetic stripe identification and other existing image identification methods. In one embodiment, the recognition device 120 is configured to recognize the seal image on the withdrawal receipt, and the recognition device 120 uses the seal image as the recognition result, and then outputs it to the processor 110 .

In one embodiment, the comparison result includes a seal comparison result, in which the processor 110 determines whether the seal image matches the authorized seal image of the corresponding user account (ie, the retained seal image). In response to the seal image matching the authorized seal image, the processor 110 generates a seal matching result. Furthermore, the processor 110 takes the fingerprint matching result as one of the recognition results. In response to the seal image not matching the authorized seal image, the processor 110 generates a seal non-matching result, and the processor 110 takes the seal non-matching result as one of the identification results. In one embodiment, the deduction operation is to deduct money based on the withdrawal amount in the withdrawal information.

In one embodiment, the identification device 120 identifies the withdrawal information and seal information on the passbook and withdrawal receipt to generate an identification result. Furthermore, the recognition device 120 outputs the recognition result to the processor 110 . In one embodiment, the processor 110 compares the identification result with account information (ie, user account) stored in the bank server 200 to generate a comparison result. In response to the comparison result being that the data matches, the processor 110 performs a debit operation on the corresponding user account based on the withdrawal data. In response to the comparison result being that the data does not match, the processor 110 displays the comparison information on the display. Withdrawal information includes multiple withdrawal receipts.

In summary, the financial debit system 100 of the present disclosure can provide the user/customer with the pre-confirmation of filling in the withdrawal form, the stamp on the withdrawal form (ie, the stamping of the seal) and the passbook through the identification device 120 and the processor 110 If it is correct, the debit operation will be executed and the debit information and withdrawal authentication code will be printed on the withdrawal slip. In this way, the user can first confirm the correctness of the withdrawal slip and seal through the financial debit system 100, and debit the account in advance, thus greatly reducing the withdrawal process of the teller to save labor costs, overall financial operation time, and The user's waiting time.

Although the embodiments of the present invention have been disclosed above, they are not intended to limit the invention. Anyone with ordinary knowledge in the technical field can make some modifications and changes without departing from the spirit and scope of the invention. Therefore, the scope of protection of this new creation shall be determined by the scope of the patent application attached.

100:Financial debit system 200:Bank server 110: Processor 120:Identification device 130:Storage device 140: Printing device S210~S240: steps

Figure 1 is a schematic diagram of a financial debit system according to an embodiment of the present invention. Figure 2 is a schematic diagram of the execution of a financial debit system according to another embodiment of the present invention.

100:Financial debit system

200:Bank server

110: Processor

120:Identification device

130:Storage device

140: Printing device

Claims (10)

A financial debit system including: a processor communicating with a bank server; an identification device coupled to the processor and configured to receive withdrawal data to generate an identification result, wherein the processor is configured to: Receive the identification result, Determine whether the identification result matches the account information stored in the bank's server to generate a comparison result, In response to the comparison result being that the data matches, the processor performs a debit operation on the user account corresponding to the withdrawal data and outputs an authentication code, In response to the comparison result being that the data is inconsistent, the processor displays the comparison discrepancy information on a display. The financial debit system as described in request item 1, wherein the withdrawal data is a plurality of withdrawal receipts and passbooks, wherein the identification device receives the plurality of withdrawal receipts respectively, and the identification device performs a check on the plurality of withdrawal receipts. An identification operation is performed to generate the identification result, and the identification device outputs the identification result to the processor. The financial debit system of claim 1, wherein the processor is further configured to: In response to the comparison result of the account data being that the number of data inconsistencies is greater than a threshold, the processor displays a specific message on the display. The financial debit system as described in claim 1, wherein in response to the processor performing a debit operation on the user account, and the user account does not perform a withdrawal operation on a debit day of the debit operation , the processor performs a deposit operation on the user account. The financial debit system of claim 1, wherein the processor is further configured to: Based on the data of the bank server, determine whether the user account corresponding to the withdrawal information is a warning account, In response to the user account corresponding to the withdrawal information being the alert account, the processor outputs a warning message. The financial debit system of claim 1, further comprising a printing device, wherein the processor is further configured to: In response to the comparison result being that the data matches, the processor updates the withdrawal information through the printing device, and prints the authentication code on the withdrawal receipt in the withdrawal information, The processor is further configured to: Receive counter check-in confirmation message, Based on the user account and withdrawal information in the counter confirmation message, the withdrawal completion data is uploaded to the bank server. The financial debit system of claim 1 further includes a storage device, wherein the storage device stores withdrawal rules, and the processor is further configured to: The processor determines whether a withdrawal amount in the identification result is greater than the withdrawal threshold of the withdrawal rule, In response to the withdrawal amount being greater than the withdrawal threshold, the processor displays a reminder message on the display. The financial debit system as described in claim 1, wherein the withdrawal information is a withdrawal receipt and a passbook, and after the identification device receives the withdrawal receipt and the passbook, the identification device identifies the withdrawal receipt and the passbook The operation is performed to generate the recognition result, and the recognition device outputs the recognition result to the processor. The financial debit system of claim 8, wherein the recognition device is configured to recognize the seal image on the withdrawal receipt, and the recognition device uses the seal image as the recognition result and then outputs it to the processor. The financial debit system as described in claim 9, wherein the comparison result includes a seal comparison result, The processor determines whether the seal image matches the authorized seal image of the corresponding user account, In response to the seal image matching the authorized seal image, the processor generates a seal matching result, In response to the seal image not matching the authorized seal image, the processor generates a seal non-compliance result.

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