TWM653758U - Reservation transaction system - Google Patents

Abstract

A reservation transaction system includes a client device and a number machine. The client device sets up a reservation transaction at a financial institution through a chatbot in a communication software which returns a barcode. The number machine is disposed at the financial institution and includes a scanning device to scan the barcode. The number machine generates a number ticket and transmits transaction information of the reservation transaction to a teller's computer.

Description

Reservation Trading System

This disclosure relates to a pre-booking transaction system that can be combined with a chatbot, an application, and a virtual teller of a communication software to allow customers to quickly complete transactions.

In the current banking process, customers need to draw a number card after entering the bank and then go to the counter to handle related transactions. However, customers may forget to bring relevant documents and fail to complete the transaction, or fill in relevant information at the counter, which does not improve efficiency. Therefore, how to allow customers to make appointments for transactions in advance and speed up the transaction process has become a topic of concern for technical personnel in this field.

The present disclosure provides a reservation transaction system, including a client device and a number machine. The client device sets up a reservation transaction in a financial institution through a chat robot in a communication software, and the chat robot is used to respond to a barcode. The number machine is set in the financial institution. The number machine includes a scanning device to scan the barcode. The number machine is used to generate a number list and transmit the transaction information of the reservation transaction to the teller's computer.

In some embodiments, the transaction information includes a plurality of to-do items, and the teller computer displays the to-do items in a list format.

In some embodiments, the to-do items include transfers, remittances, or inheritances.

In some embodiments, the chatbot is used to display the documents and notes required for booking a transaction via a communication software.

In some embodiments, the chatbot described above is used to provide an authentication mechanism.

In some embodiments, the above-mentioned authentication mechanism includes entering an account number and password, entering a graphic, or biometric recognition.

In some embodiments, the reservation transaction system further includes a virtual counter, which is set up in a financial institution to scan a barcode and perform a reservation transaction. In some embodiments, the virtual counter is used to perform a double identity verification procedure. In some embodiments, the double identity verification procedure includes a venous recognition procedure and a mobile phone biometric recognition procedure.

In some embodiments, the virtual counter has a cash dispensing function and a cash depositing function.

In order to make the above features and advantages of the present invention more clearly understood, the following is a detailed description of the embodiments with reference to the accompanying drawings.

The terms “first,” “second,” etc. used herein do not particularly refer to order or sequence, but are only used to distinguish elements or operations described with the same technical term.

FIG. 1 is a schematic diagram of a reservation transaction system according to an embodiment. Referring to FIG. 1 , the reservation transaction system includes a client device 110, a numbering machine 120, and a virtual counter 130. The client device 110 is, for example, a smart phone, a tablet computer, a personal computer, a laptop, or various electronic devices with computing capabilities, but the present disclosure is not limited thereto. The numbering machine 120 and the virtual counter 130 are set in a financial institution 140. The reservation transaction system is used to allow users to set reservation transactions on the client device 110, and then quickly complete the required transactions in the financial institution 140.

Specifically, the client device 110 is installed with a communication software and an application related to the financial institution 140. The communication software is, for example, Line®, Messenger®, or other communication software, but the disclosure is not limited thereto. The communication software is provided with a chat robot, which corresponds to the financial institution 140. The user can use the services provided by the financial institution 140 by talking to the chat robot, and the service includes setting up scheduled transactions. In the embodiment of FIG. 1 , the user inputs the scheduled transaction he wants to conduct at the financial institution 140, such as deposit, withdrawal, transfer, remittance or inheritance, but the disclosure is not limited thereto. Next, the chat robot will provide the documents and precautions required for the scheduled transaction in the communication software, such as reminding the user to bring a seal, identity card, relevant certificates, etc. In addition, the chatbot will also respond with a barcode 111. This barcode 111 is, for example, a Quick Response Code, which includes transaction information about the scheduled transaction. This transaction information may include user name, transaction type, transaction amount, etc., but this disclosure is not limited thereto.

In some embodiments, the chatbot may also provide an authentication mechanism through the communication software, such as connecting to an application provided by the financial institution 140, opening the webpage of the financial institution 140, popping up a window to ask the user to enter an account number and password, executing the biometric recognition function of the client device 110, etc., but the present disclosure is not limited thereto. The biometric recognition function of the client device 110 may be fingerprint recognition, iris recognition, stereoscopic facial scanning, etc. In other words, the above authentication mechanism may include one or more of inputting an account number and password, inputting a graphic, biometric recognition, etc. In some embodiments, if you want to use the chatbot, you need to first activate the full function of online banking (including the application function) and the official account authentication of the communication software.

Next, the user can take the client device 110 to the financial institution 140 and select the number machine 120 or the virtual counter 130 to conduct the transaction. Specifically, the number machine 120 includes a display 121, a scanning device 122 and a number list outlet 123. The user can receive a number list 124 through the number list outlet 123, and the display 121 will display the relevant information of the waiting, such as how many numbers are currently waiting, or which number is currently being processed. The scanning device 122 is used to display the barcode 111, thereby reading the transaction information about the scheduled transaction. Next, when it is the user's turn, the number machine 120 can transmit the transaction information to the teller computer 150 through a notepad or other mode. When the user comes to the corresponding teller, the eTABS software executed on the teller computer 150 will display the relevant transaction information. In some embodiments, the transaction information includes multiple to-do items, such as transfer, remittance and inheritance. The teller computer 150 will display these to-do items in a list. After completing a to-do item, the teller operating the teller computer 150 can check the completed to-do item through a suitable graphical interface, thereby avoiding the human risk of missing an unfinished transaction.

In some embodiments, if it is a simple transaction (such as cash withdrawal, transfer, remittance, etc.), the user can go to the virtual counter 130 to operate. The virtual counter 130 has components such as a display 131, a scanning device 132, and a button 133. The scanning device 132 is used to scan the barcode 111, and then the relevant transaction information is displayed through the display 131, allowing the user to confirm and modify. After the user confirms, the virtual counter 130 will automatically make an appointment transaction. In some embodiments, the virtual counter 130 will perform a double identity verification procedure, which includes two of the following authentications: a vein recognition procedure, a mobile phone biometric recognition procedure, a password, etc. For example, a vein recognition device may be installed on the virtual counter 130 to perform user identity verification. In addition, the user identity verification may be performed through fingerprint recognition, iris recognition, face scanning and other functions on the client device 110. The transaction information security may be improved through such a double identity verification procedure. In some embodiments, the virtual counter 130 also has a cash dispensing function and a deposit function like a general automated teller machine (ATM), thereby allowing users to perform transactions such as deposits and cash withdrawals. However, the difference between the virtual counter 130 and the ATM is that the virtual counter 130 can perform multiple and various business transactions at one time on the same screen, while the ATM can only operate one transaction or one screen at a time, or can only perform a few transactions at a time.

Through the above system, users can make appointments for transactions through chatbots, and can perform multiple business transactions and multiple different transactions at one time, which can reduce the time users spend on business compared to previous ATM operations or cardless withdrawals.

The client device 110, the number machine 120 and the virtual counter 130 shown in FIG1 are only examples, and the disclosure does not limit the appearance and size of these devices. Through the above-mentioned reservation transaction system, users can quickly complete transactions and avoid long waiting times during peak hours.

Although the present invention has been disclosed as above by way of embodiments, it is not intended to limit the present invention. Any person having ordinary knowledge in the relevant technical field may make some changes and modifications without departing from the spirit and scope of the present invention. Therefore, the protection scope of the present invention shall be subject to the definition of the attached patent application scope.

110: Client device 111: Barcode 120: Number machine 121: Display 122: Scanning device 123: Number list exit 124: Number list 130: Virtual counter 131: Display 132: Scanning device 133: Button 140: Financial institution 150: Teller computer

FIG. 1 is a schematic diagram illustrating a reservation transaction system according to an embodiment.

110: Client device

111: Barcode

120: Number machine

121: Display

122: Scanning device

123: Number list exit

124: Number list

130: Virtual Counter

131: Display

132: Scanning device

133:Button

140: Financial institutions

150:Clerk's computer

Claims (10)

A reservation transaction system includes: A client device, which is used to set a reservation transaction at a financial institution through a chat robot in a communication software, and the chat robot is used to respond to a barcode; and A number machine, which is set in the financial institution, and the number machine includes a scanning device, which is used to scan the barcode, and the number machine is used to generate a number list and transmit a transaction information of the reservation transaction to a teller computer. A reservation transaction system as described in claim 1, wherein the transaction information includes a plurality of to-do items, and the clerk computer is used to display the to-do items in a list format. A reservation transaction system as described in claim 2, wherein the pending items include transfer, remittance or inheritance. A reservation transaction system as described in claim 1, wherein the chat robot is used to display a document and a note required for the reservation transaction through the communication software. A reservation transaction system as described in claim 4, wherein the chat robot is used to provide an authentication mechanism. A reservation transaction system as described in claim 5, wherein the authentication mechanism includes inputting an account number and password, inputting a graphic, or biometric recognition. The reservation transaction system as described in claim 1 further comprises: A virtual counter, located in the financial institution, for scanning the barcode and executing the reservation transaction. A reservation transaction system as described in claim 7, wherein the virtual counter is used to perform a double identity verification procedure. A reservation transaction system as described in claim 8, wherein the double identity verification process includes a vein recognition process and a cell phone biometric recognition process. A reservation transaction system as described in claim 7, wherein the virtual counter has a cash dispensing function and a cash depositing function.

Images