CN105336058A - Financial service method and financial service terminal - Google Patents
Financial service method and financial service terminal Download PDFInfo
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- CN105336058A CN105336058A CN201510763272.1A CN201510763272A CN105336058A CN 105336058 A CN105336058 A CN 105336058A CN 201510763272 A CN201510763272 A CN 201510763272A CN 105336058 A CN105336058 A CN 105336058A
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Abstract
The invention discloses a financial service method. The method comprises steps: whether a user operation instruction exists on a main menu display interface on a display screen preset on a financial service terminal is detected; when a user operation instruction is detected to exist on the main menu display interface on the display screen preset on the financial service terminal, a corresponding convenience service operation or a money withdrawal operation is executed according to the received user operation instruction. The invention also discloses a financial service terminal, which integrates the convenience service function of a POS machine and the money withdrawal fucntion of an ATM, convenience service and money withdrawal can be realized, wide distribution can be carried out, use convenience of the financial service terminal is improved, and convenience is provided for the user.
Description
Technical field
The present invention relates to technical field of financial equipment, particularly relate to a kind of financial service method and financial service terminal.
Background technology
At present, financial service is very universal in big and medium-sized cities, the distribution of bank outlets also science relatively.But the distribution of these sites is mostly in populated area or economic bustling location, and the input of bank outlets is larger.In addition, holding transaction is in increase, and the crowd using bank card to carry out the handy service for the people is more and more extensive, such as, daily convenience-for-people payment, supplements with money, refunds, receives the handy services for the people such as single.
And existing financial service terminal comprises POS and ATM, wherein, POS is for completing the daily handy service for the people, can lay in the trade company of existing financial institution, high-end place, the super existing ripe region such as business, means of agricultural production supply station, but existing POS can not carry out enchashment transaction.ATM mainly completes enchashment and savings function, cannot complete some payment operations of the handy service for the people in ATM.And ATM operation needs cash to escort, place is leased, and professional's training etc., can produce expensive expense, be unfavorable for laying on a large scale and develop with site.Existing POS and ATM all can not meet the demand that user carries out the handy service for the people and enchashment, and therefore, user uses convenient not, can not embody the convenience that financial service terminal provides.
Summary of the invention
Fundamental purpose of the present invention is to provide a kind of financial service method and financial service terminal, is intended to realize financial service terminal and can carries out the handy service for the people and withdraw the money, improve the convenience that financial service terminal uses.
For achieving the above object, the invention provides a kind of financial service method, comprising:
Whether the master menu display interface on the display screen that detecting financial service terminal is preset exists user operation instruction;
When detecting the master menu display interface on the preset display screen of financial service terminal and there is user operation instruction, perform corresponding handy service for the people operation or operation of withdrawing the money according to the user operation instruction received.
Alternatively, the user operation instruction that described basis receives performs corresponding handy service for the people operation and comprises:
After entering the handy service for the people according to the user operation instruction received, select COS according to user operation instruction, and point out user to carry out plug-in card or operation of swiping the card;
When user's plug-in card or after swiping the card, obtain the information of card and receive the password of user's input, and carry out credit card issuer checking after Password Input is correct;
After credit card issuer is verified, perform the corresponding handy service for the people according to selected COS.
Alternatively, the user operation instruction that described basis receives performs operation of withdrawing the money accordingly and comprises:
Select to withdraw the money after option according to the user operation instruction that receives, according to user operation instruction determination withdraw funds, and point out user to carry out plug-in card or operation of swiping the card;
When user's plug-in card or after swiping the card, obtain the information of card and receive the password of user's input, and carry out credit card issuer checking after Password Input is correct;
After credit card issuer is verified, carry out note output according to determined withdraw funds, to perform operation of withdrawing the money accordingly.
Alternatively, described after credit card issuer is verified, carry out note output according to determined withdraw funds, comprise to perform operation of withdrawing the money accordingly:
If note output successfully, then obtains and stores the crown word number of banknote, and print corresponding voucher;
If note output failure, then rush and just conclude the business, and show Fail Transaction information.
Alternatively, described after credit card issuer is verified, perform the corresponding handy service for the people according to selected COS and comprise:
If handy service for the people Transaction Success, then print corresponding voucher;
If handy service for the people Fail Transaction, then rush and just conclude the business, and show Fail Transaction information.
In addition, for achieving the above object, present invention also offers a kind of financial service terminal, comprising:
Whether detecting module, exist user operation instruction for the master menu display interface detected on the preset display screen of financial service terminal;
Execution module, for when detecting the master menu display interface on the preset display screen of financial service terminal and there is user operation instruction, performs corresponding handy service for the people operation or operation of withdrawing the money according to the user operation instruction received.
Alternatively, described execution module comprises:
Type selection unit, after entering the handy service for the people according to the user operation instruction received, selects COS according to user operation instruction, and points out user to carry out plug-in card or operation of swiping the card;
First acquiring unit, for when user's plug-in card or after swiping the card, obtains the information of card and receives the password of user's input, and carry out credit card issuer checking after Password Input is correct;
Service execution unit, for after credit card issuer is verified, performs the corresponding handy service for the people according to selected COS.
Alternatively, described execution module also comprises:
Amount of money determining unit, after option of withdrawing the money according to the user operation instruction selection received, determines withdraw funds, and points out user to carry out plug-in card or operation of swiping the card;
Second acquisition unit, for when user's plug-in card or after swiping the card, obtains the information of card and receives the password of user's input, and carry out credit card issuer checking after Password Input is correct;
Note output performance element, for after credit card issuer is verified, carries out note output according to determined withdraw funds, to perform operation of withdrawing the money accordingly.
Alternatively, described note output performance element also for, if note output success, then obtain and store the crown word number of banknote, and printing corresponding voucher; If note output failure, then rush and just conclude the business, and show Fail Transaction information.
Alternatively, described service execution unit also for, if handy service for the people Transaction Success, then print corresponding voucher; If handy service for the people Fail Transaction, then rush and just conclude the business, and show Fail Transaction information.
The financial service method that the embodiment of the present invention provides and financial service terminal, by financial service terminal, the function of withdrawing the money of the handy service for the people function of POS and ATM is carried out integrated, perform corresponding handy service for the people operation or operation of withdrawing the money according to the user operation instruction received.Make financial service terminal can carry out the handy service for the people and withdraw the money, and can extensively distribute, improve the convenience that financial service terminal uses, provide convenience to user.
Accompanying drawing explanation
Fig. 1 is the schematic flow sheet of financial service method first embodiment of the present invention;
Fig. 2 is the schematic flow sheet of financial service method second embodiment of the present invention;
Fig. 3 is the schematic flow sheet of financial service method the 3rd embodiment of the present invention;
Fig. 4 is the high-level schematic functional block diagram of financial service terminal first embodiment of the present invention;
Fig. 5 is the high-level schematic functional block diagram of financial service terminal second embodiment of the present invention;
Fig. 6 is the high-level schematic functional block diagram of financial service terminal of the present invention 3rd embodiment.
The realization of the object of the invention, functional characteristics and advantage will in conjunction with the embodiments, are described further with reference to accompanying drawing.
Embodiment
Should be appreciated that specific embodiment described herein only in order to explain the present invention, be not intended to limit the present invention.
The SIU master control board card etc. of the financial service terminal that the embodiment of the present invention provides can comprise POS, high definition touches aobvious one display screen, IC-card module, non-connection module, code keypad, mini-printer, Quick Response Code scan module, 3G communication module, bluetooth module, an industrial high performance industrial control host etc., high performance cash-out movement, switch control rule.Wherein, financial service terminal provides an andriod operating system, and all software functions all realize on financial service terminal, adopts the scheme being similar to APP to carry out software application development, by the mode in similar andriod " application store ", the remote update of program can be carried out.Software package is containing interface development, driving exploitation, service layer's exploitation, back-stage management exploitation etc., and back-stage management exploitation can comprise to be carried out adding the functions such as paper money, clear, key management, peripheral equipment management.The master control administrative center of financial service terminal completes the control to cash-out movement, complete back-stage management, such as, settle accounts reconciliation, hardware device monitoring management etc., main realization is withdrawn the money, inquire about, transfer accounts, credit card repayment, recharging service, to realize the allomeric function of financial service terminal.Display screen is the Interaction Center of user interface, and IC-card module is used for the insertion of the IC-cards such as user's bank card, and non-connection module can facilitate holder to swipe the card.Industrial control host mainly completes video map acquisition and cash dispensing port note output image acquisition etc. to holder.Cash-out movement mainly completes note output function, and record go out the crown word number of banknote.SIU master control board card completes the control of various transaction pilot lamp, completes the management and enciphered message transmission process etc. of safe inductive device.Display screen, when there is not user operation, has been mainly used to the input of advertisement, carries out advertisement renewal etc. by the mode far pushed.
As shown in Figure 1, a kind of financial service method first of the present invention embodiment is shown.The financial service method of this embodiment comprises:
Whether the master menu display interface on the display screen that step S10, detecting financial service terminal are preset exists user operation instruction;
The user operation instruction that step S20, basis receive performs corresponding handy service for the people operation or operation of withdrawing the money.
In the present embodiment, financial service terminal can be the terminal of said structure, and on the display screen of financial service terminal, user can carry out touch operation, or is operated by preset button.When showing screen display advertising message, user can touch the optional position in screen, and the display interface of display screen can be made to be switched to the display interface of master menu.In the master menu display interface of display screen, user can select shown option of operation.Whether the master menu display interface on the display screen that first financial service terminal detecting real-time is preset exists user operation instruction, when user selects corresponding function submenu on the display screen of financial service terminal, such as, when showing screen display master menu display interface, user produces user operation instruction by touch operation, select the handy service for the people or withdraw the money, when the financial service terminal master menu display interface detected on display screen exists user operation instruction, perform corresponding handy service for the people operation or operation of withdrawing the money according to the user operation instruction received.
It should be noted that, because existing POS can not carry out enchashment transaction, and to the management of cash also not too safety and relate to arbitrage may, and existing ATM mainly completes enchashment and savings function, if complete some payment operations of the handy service for the people in ATM, the usual needs cost more time, weaken to a certain extent and reduce the enchashment function of ATM, and may cause that the user's that deposits and withdraws is discontented.Therefore, the present embodiment financial service terminal be one by the hard core control terminal of POS as equipment, the daily handy service for the people can not only be allowed can to complete on financial service terminal, and financial service terminal can control cash-out movement in hardware configuration, the function of enchashment can be realized, provide the user conveniently.
The present embodiment financial service terminal integrates POS and ATM function, makes financial service terminal play the advantage of POS and these two kinds of equipment of ATM, avoids the short slab of POS and ATM, can carry out the handy service for the people, can carry out operation of withdrawing the money again.Meanwhile, financial service terminal to place and personnel requirement low, can lay in the trade company of existing financial institution, high-end place, the super existing ripe region such as business, means of agricultural production supply station, cost is low, and equipment use efficiency is high.Can control effectively in financial service terminal cost, operation cost, and rely on existing ripe trade company channel, can carry out financial service terminal fast and lay, the site of reducing financial institution lays cost, can more efficient by financial service terminal based on rural area, based on community.
The financial service method that the embodiment of the present invention provides and financial service terminal, by financial service terminal, the function of withdrawing the money of the handy service for the people function of POS and ATM is carried out integrated, perform corresponding handy service for the people operation or operation of withdrawing the money according to the user operation instruction received.Make financial service terminal can carry out the handy service for the people and withdraw the money, and can extensively distribute, accomplish that financial service terminal covers non-blind area, and the service that majority just can enjoy " Zu Buchu village " (closely) financial service terminal easily can be solved, improve the convenience that financial service terminal uses, provide convenience to user.
Further, as shown in Figure 2, based on above-mentioned first embodiment, propose financial service method second embodiment of the present invention, in this embodiment, above-mentioned steps S20 can comprise:
After the user operation instruction that step S21, basis receive enters the handy service for the people, select COS according to user operation instruction, and point out user to carry out plug-in card or operation of swiping the card;
Step S22, when user's plug-in card or after swiping the card, obtain the information of card and receive the password of user's input, and carry out credit card issuer checking after Password Input is correct;
Step S23, after credit card issuer is verified, perform the corresponding handy service for the people according to selected COS.
In the present embodiment, suppose the handy services for the people such as user needs to be undertaken paying the fees by financial service terminal, payment, the interface of main menu that user can be shown by financial service terminal display screen, selects the handy service for the people.After entering the handy service for the people, user carries out touch operation or selects COS by preset button, and this COS can comprise payment, supplements with money, refunds, receive list etc.After determining COS, the information that display reminding user is carried out plug-in card or swipes the card by display screen, or carry out voice broadcast prompting user carry out plug-in card or swipe the card, so that user carries out plug-in card or operation of swiping the card according to prompting.When user's plug-in card or after swiping the card, financial service terminal can get the information of card, shows Password Input frame simultaneously and inputs password for user.When user does not carry out plug-in card or operation of swiping the card, a menu or master menu can be returned.After financial service terminal receives the password of user's input, judge that whether the password inputted is correct, if Password Input mistake, user is then needed to re-enter password, when the number of times of Password Input mistake reaches preset times, user no longer will be allowed to input password or plug-in card operation, can interface of main menu be returned.If it is correct that user inputs password, then financial service terminal will carry out credit card issuer checking, if credit card issuer is proved to be successful, then perform the corresponding handy service for the people according to selected COS.It should be noted that, also can arrange user carry out plug-in card or swipe the card operation after, corresponding COS is selected in the handy service for the people of being allowed for access, and does not limit the present invention.
Further, if handy service for the people Transaction Success, then corresponding voucher is printed; If handy service for the people Fail Transaction, then rush and just conclude the business, and show Fail Transaction information.This Fail Transaction information can be and showing the relevant printed words such as " Fail Transaction ", " transaction errors " at display screen, or the information of the possible cause of display Fail Transaction, and also can be pointed out by voice broadcast, user knows Fail Transaction by prompting.Just concluded the business by punching, can further improve the reliability and safety of financial service terminal.
The present embodiment completes the handy service for the people by financial service terminal, and can carry out corresponding information prompting by display screen, improves the convenience that financial service terminal uses, provides convenience to user.
Further, as shown in Figure 3, based on above-mentioned two embodiments, propose financial service method the 3rd embodiment of the present invention, in this embodiment, above-mentioned steps S20 also comprises:
The user operation instruction selection that step S24, basis receive is withdrawn the money after option, according to user operation instruction determination withdraw funds, and points out user to carry out plug-in card or operation of swiping the card;
Step S25, when user's plug-in card or after swiping the card, obtain the information of card and receive the password of user's input, and carry out credit card issuer checking after Password Input is correct;
Step S26, after credit card issuer is verified, carry out note output according to determined withdraw funds, to perform operation of withdrawing the money accordingly.
Particularly, suppose that user is withdrawn the money by financial service terminal, the master menu display interface that user can be shown by financial service terminal display screen, selection is withdrawn the money option, financial service terminal carries out message response according to the user operation instruction received, and user inputs or determines required withdraw funds according to the withdraw funds of display.After determining withdraw funds, the information that display reminding user is carried out plug-in card or swipes the card by display screen, or carry out voice broadcast prompting user carry out plug-in card or swipe the card, so that user carries out plug-in card or operation of swiping the card according to prompting, the hardware module of the event-driven financial service terminal generated by user operation instruction itself performs corresponding action.When user's plug-in card or after swiping the card, financial service terminal can get the information of card, shows Password Input frame simultaneously and inputs password for user.When user does not carry out plug-in card or operation of swiping the card, a menu or master menu can be returned.After financial service terminal receives the password of user's input, judge that whether the password inputted is correct, if Password Input mistake, user is then needed to re-enter password, when the number of times of Password Input mistake reaches preset times, user no longer will be allowed to input password or plug-in card operation, can interface of main menu be returned.If it is correct that user inputs password, then financial service terminal will carry out credit card issuer checking, if credit card issuer is proved to be successful, then financial service terminal drives cash-out movement to carry out work, carries out note output, to perform operation of withdrawing the money accordingly according to determined withdraw funds.It should be noted that, user also can be set and carry out plug-in card or after operation of swiping the card, can select withdraw the money option and determine withdraw funds, not limit the present invention.
Be understandable that, can limit the withdraw funds of financial service terminal, make it mainly complete withdrawing the money of default amount, if relate to the larger amount of money, financial service terminal enchashment is also unrealistic, because need safer equipment such as safety cabinet to keeping banknote.Such as, can arrange each card user every day at most only can enchashment 2000 yuan, thus has shunted the personnel that most of small amount is withdrawn the money, and improves efficiency of withdrawing the money, provides very big help to banking.The function of convenience-for-people paying service can be completed again simultaneously, add facilities for the convenience of the people by all kinds of means.
Further, if note output successfully, then obtains and stores the crown word number of banknote, and corresponding voucher is printed; If note output failure, then rush and just conclude the business, and show Fail Transaction information.Particularly, when note output, while financial service terminal drives cash-out movement, by utilizing RS232 to carry out data communication between andriod system and the industrial control host of windows system, the crown word number being used for catching Renminbi stores.After completing note output, deductible corresponding service charge.At one's leisure, financial service terminal meeting poll SIU master control board card respectively protects the state of sensor, if there is exception, can stop transaction, and notice operation user.This Fail Transaction information can be and showing the relevant printed words such as " Fail Transaction ", " transaction errors " at display screen, or the information of the possible cause of display Fail Transaction, and also can be pointed out by voice broadcast, user knows Fail Transaction by prompting.Just concluded the business by punching, can further improve the reliability and safety of financial service terminal.
The present embodiment can complete operation of withdrawing the money on financial service terminal, the function of enchashment can be realized, and this financial service terminal to place and personnel requirement low, can lay in the trade company of existing financial institution, high-end place, the super existing ripe region such as business, means of agricultural production supply station, cost is low, and equipment use efficiency is high.Solve the service that majority " Zu Buchu village " just can enjoy financial service terminal easily, improve the convenience that financial service terminal uses, provide the user conveniently.
Accordingly, as shown in Figure 4, a kind of financial service terminal first embodiment of the present invention is proposed.The financial service terminal of this embodiment comprises:
Whether detecting module 100, exist user operation instruction for the master menu display interface detected on the preset display screen of financial service terminal;
Execution module 200, for performing corresponding handy service for the people operation or operation of withdrawing the money according to the user operation instruction received.
In the present embodiment, financial service terminal can be the terminal of said structure, and on the display screen of financial service terminal, user can carry out touch operation, or is operated by preset button.When showing screen display advertising message, user can touch the optional position in screen, makes detecting module 100 display interface of display screen can be switched to the display interface of master menu.In the master menu display interface of display screen, user can select shown option of operation.Whether the master menu display interface on the display screen that first detecting module 100 detecting real-time is preset exists user operation instruction, when user selects corresponding function submenu on the display screen of financial service terminal, such as, when showing screen display master menu display interface, user produces user operation instruction by touch operation, select the handy service for the people or withdraw the money, when detecting the master menu display interface on display screen and there is user operation instruction, execution module 200 performs corresponding handy service for the people operation or operation of withdrawing the money according to the user operation instruction received.
It should be noted that, because existing POS can not carry out enchashment transaction, and to the management of cash also not too safety and relate to arbitrage may, and existing ATM mainly completes enchashment and savings function, if complete some payment operations of the handy service for the people in ATM, the usual needs cost more time, weaken to a certain extent and reduce the enchashment function of ATM, and may cause that the user's that deposits and withdraws is discontented.Therefore, the present embodiment financial service terminal be one by the hard core control terminal of POS as equipment, the daily handy service for the people can not only be allowed can to complete on financial service terminal, and financial service terminal can control cash-out movement in hardware configuration, the function of enchashment can be realized, provide the user conveniently.
The present embodiment financial service terminal integrates POS and ATM function, makes financial service terminal play the advantage of POS and these two kinds of equipment of ATM, avoids the short slab of POS and ATM, can carry out the handy service for the people, can carry out operation of withdrawing the money again.Meanwhile, financial service terminal to place and personnel requirement low, can lay in the trade company of existing financial institution, high-end place, the super existing ripe region such as business, means of agricultural production supply station, cost is low, and equipment use efficiency is high.Can control effectively in financial service terminal cost, operation cost, and rely on existing ripe trade company channel, can carry out financial service terminal fast and lay, the site of reducing financial institution lays cost, can more efficient by financial service terminal based on rural area, based on community.
The financial service method that the embodiment of the present invention provides and financial service terminal, by financial service terminal, the function of withdrawing the money of the handy service for the people function of POS and ATM is carried out integrated, perform corresponding handy service for the people operation or operation of withdrawing the money according to the user operation instruction received.Make financial service terminal can carry out the handy service for the people and withdraw the money, and can extensively distribute, accomplish that financial service terminal covers non-blind area, and the service that majority just can enjoy " Zu Buchu village " (closely) financial service terminal easily can be solved, improve the convenience that financial service terminal uses, provide convenience to user.
Further, as shown in Figure 5, based on above-mentioned first embodiment, propose financial service terminal second embodiment of the present invention, in this embodiment, above-mentioned execution module 200 can comprise:
Type selection unit 210, after entering the handy service for the people according to the user operation instruction received, selects COS according to user operation instruction, and points out user to carry out plug-in card or operation of swiping the card;
First acquiring unit 220, for when user's plug-in card or after swiping the card, obtains the information of card and receives the password of user's input, and carry out credit card issuer checking after Password Input is correct;
Service execution unit 230, for after credit card issuer is verified, performs the corresponding handy service for the people according to selected COS.
In the present embodiment, suppose the handy services for the people such as user needs to be undertaken paying the fees by financial service terminal, payment, the interface of main menu that user can be shown by financial service terminal display screen, selects the handy service for the people.After entering the handy service for the people, user carries out touch operation or selects COS by preset button, and type selection unit 210 is according to user operation instruction determination COS, and this COS can comprise payment, supplements with money, refunds, receive list etc.After determining COS, the information that display reminding user is carried out plug-in card or swipes the card by display screen, or carry out voice broadcast prompting user carry out plug-in card or swipe the card, so that user carries out plug-in card or operation of swiping the card according to prompting.When user's plug-in card or after swiping the card, the first acquiring unit 220 can get the information of card, shows Password Input frame simultaneously and inputs password for user.When user does not carry out plug-in card or operation of swiping the card, a menu or master menu can be returned.After first acquiring unit 220 receives the password of user's input, judge that whether the password inputted is correct, if Password Input mistake, user is then needed to re-enter password, when the number of times of Password Input mistake reaches preset times, user no longer will be allowed to input password or plug-in card operation, can interface of main menu be returned.If it is correct that user inputs password, then carry out credit card issuer checking, if credit card issuer is proved to be successful, then service execution unit 230 performs the corresponding handy service for the people according to selected COS.It should be noted that, also can arrange user carry out plug-in card or swipe the card operation after, corresponding COS is selected in the handy service for the people of being allowed for access, and does not limit the present invention.
Further, service execution unit 230 also for, if handy service for the people Transaction Success, then print corresponding voucher; If handy service for the people Fail Transaction, then rush and just conclude the business, and show Fail Transaction information.This Fail Transaction information can be and showing the relevant printed words such as " Fail Transaction ", " transaction errors " at display screen, or the information of the possible cause of display Fail Transaction, and also can be pointed out by voice broadcast, user knows Fail Transaction by prompting.Execution module 200 is just concluded the business by punching, can further improve the reliability and safety of financial service terminal.
The present embodiment completes the handy service for the people by financial service terminal, and can carry out corresponding information prompting by display screen, improves the convenience that financial service terminal uses, provides convenience to user.
Further, as shown in Figure 6, based on above-mentioned second embodiment, propose financial service terminal of the present invention 3rd embodiment, in this embodiment, above-mentioned execution module 200 also comprises:
Amount of money determining unit 240, after option of withdrawing the money according to the user operation instruction selection received, determines withdraw funds, and points out user to carry out plug-in card or operation of swiping the card;
Second acquisition unit 250, for when user's plug-in card or after swiping the card, obtains the information of card and receives the password of user's input, and carry out credit card issuer checking after Password Input is correct;
Note output performance element 260, for after credit card issuer is verified, carries out note output according to determined withdraw funds, to perform operation of withdrawing the money accordingly.
Particularly, suppose that user is withdrawn the money by financial service terminal, the master menu display interface that user can be shown by financial service terminal display screen, selection is withdrawn the money option, financial service terminal carries out message response according to the user operation instruction received, and user inputs or determines required withdraw funds according to the withdraw funds of display.After amount of money determining unit 240 determines withdraw funds, the information that display reminding user is carried out plug-in card or swipes the card by display screen, or carry out voice broadcast prompting user carry out plug-in card or swipe the card, so that user carries out plug-in card or operation of swiping the card according to prompting, the hardware module of the event-driven financial service terminal generated by user operation instruction itself performs corresponding action.When user's plug-in card or after swiping the card, second acquisition unit 250 can get the information of card, shows Password Input frame simultaneously and inputs password for user.When user does not carry out plug-in card or operation of swiping the card, a menu or master menu can be returned.After second acquisition unit 250 receives the password of user's input, judge that whether the password inputted is correct, if Password Input mistake, user is then needed to re-enter password, when the number of times of Password Input mistake reaches preset times, user no longer will be allowed to input password or plug-in card operation, can interface of main menu be returned.If it is correct that user inputs password, then will carry out credit card issuer checking, if credit card issuer is proved to be successful, then note output performance element 260 drives cash-out movement to carry out work, carries out note output according to determined withdraw funds, to perform operation of withdrawing the money accordingly.It should be noted that, user also can be set and carry out plug-in card or after operation of swiping the card, can select withdraw the money option and determine withdraw funds, not limit the present invention.
Be understandable that, can limit the withdraw funds of financial service terminal, make it mainly complete withdrawing the money of default amount, if relate to the larger amount of money, financial service terminal enchashment is also unrealistic, because need safer equipment such as safety cabinet to keeping banknote.Such as, can arrange each card user every day at most only can enchashment 2000 yuan, thus has shunted the personnel that most of small amount is withdrawn the money, and improves efficiency of withdrawing the money, provides very big help to banking.The function of convenience-for-people paying service can be completed again simultaneously, add facilities for the convenience of the people by all kinds of means.
Further, note output performance element 260 also for, if note output success, then obtain and store the crown word number of banknote, and printing corresponding voucher; If note output failure, then rush and just conclude the business, and show Fail Transaction information.Particularly, when note output, while financial service terminal drives cash-out movement, by utilizing RS232 to carry out data communication between andriod system and the industrial control host of windows system, the crown word number being used for catching Renminbi stores.After completing note output, deductible corresponding service charge.At one's leisure, financial service terminal meeting poll SIU master control board card respectively protects the state of sensor, if there is exception, can stop transaction, and notice operation user.This Fail Transaction information can be and showing the relevant printed words such as " Fail Transaction ", " transaction errors " at display screen, or the information of the possible cause of display Fail Transaction, and also can be pointed out by voice broadcast, user knows Fail Transaction by prompting.Just concluded the business by punching, can further improve the reliability and safety of financial service terminal.
The present embodiment can complete operation of withdrawing the money on financial service terminal, the function of enchashment can be realized, and this financial service terminal to place and personnel requirement low, can lay in the trade company of existing financial institution, high-end place, the super existing ripe region such as business, means of agricultural production supply station, cost is low, and equipment use efficiency is high.Solve the service that majority " Zu Buchu village " just can enjoy financial service terminal easily, improve the convenience that financial service terminal uses, provide the user conveniently.
These are only the preferred embodiments of the present invention; not thereby the scope of the claims of the present invention is limited; every utilize instructions of the present invention and accompanying drawing content to do equivalent structure or equivalent flow process conversion; or be directly or indirectly used in other relevant technical fields, be all in like manner included in scope of patent protection of the present invention.
Claims (10)
1. a financial service method, is characterized in that, described financial service method comprises the following steps:
Whether the master menu display interface on the display screen that detecting financial service terminal is preset exists user operation instruction;
When detecting the master menu display interface on the preset display screen of financial service terminal and there is user operation instruction, perform corresponding handy service for the people operation or operation of withdrawing the money according to the user operation instruction received.
2. financial service method as claimed in claim 1, is characterized in that, the user operation instruction that described basis receives performs corresponding handy service for the people operation and comprises:
After entering the handy service for the people according to the user operation instruction received, select COS according to user operation instruction, and point out user to carry out plug-in card or operation of swiping the card;
When user's plug-in card or after swiping the card, obtain the information of card and receive the password of user's input, and carry out credit card issuer checking after Password Input is correct;
After credit card issuer is verified, perform the corresponding handy service for the people according to selected COS.
3. financial service method as claimed in claim 2, is characterized in that, the user operation instruction that described basis receives performs operation of withdrawing the money accordingly and comprises:
Select to withdraw the money after option according to the user operation instruction that receives, according to user operation instruction determination withdraw funds, and point out user to carry out plug-in card or operation of swiping the card;
When user's plug-in card or after swiping the card, obtain the information of card and receive the password of user's input, and carry out credit card issuer checking after Password Input is correct;
After credit card issuer is verified, carry out note output according to determined withdraw funds, to perform operation of withdrawing the money accordingly.
4. financial service method as claimed in claim 3, is characterized in that, described after credit card issuer is verified, and carries out note output, comprise to perform operation of withdrawing the money accordingly according to determined withdraw funds:
If note output successfully, then obtains and stores the crown word number of banknote, and print corresponding voucher;
If note output failure, then rush and just conclude the business, and show Fail Transaction information.
5. financial service method as claimed in claim 4, is characterized in that, described after credit card issuer is verified, and performs the corresponding handy service for the people comprise according to selected COS:
If handy service for the people Transaction Success, then print corresponding voucher;
If handy service for the people Fail Transaction, then rush and just conclude the business, and show Fail Transaction information.
6. a financial service terminal, is characterized in that, described financial service terminal comprises:
Whether detecting module, exist user operation instruction for the master menu display interface detected on the preset display screen of financial service terminal;
Execution module, for when detecting the master menu display interface on the preset display screen of financial service terminal and there is user operation instruction, performs corresponding handy service for the people operation or operation of withdrawing the money according to the user operation instruction received.
7. financial service terminal as claimed in claim 6, it is characterized in that, described execution module comprises:
Type selection unit, after entering the handy service for the people according to the user operation instruction received, selects COS according to user operation instruction, and points out user to carry out plug-in card or operation of swiping the card;
First acquiring unit, for when user's plug-in card or after swiping the card, obtains the information of card and receives the password of user's input, and carry out credit card issuer checking after Password Input is correct;
Service execution unit, for after credit card issuer is verified, performs the corresponding handy service for the people according to selected COS.
8. financial service terminal as claimed in claim 7, it is characterized in that, described execution module also comprises:
Amount of money determining unit, after option of withdrawing the money according to the user operation instruction selection received, determines withdraw funds, and points out user to carry out plug-in card or operation of swiping the card;
Second acquisition unit, for when user's plug-in card or after swiping the card, obtains the information of card and receives the password of user's input, and carry out credit card issuer checking after Password Input is correct;
Note output performance element, for after credit card issuer is verified, carries out note output according to determined withdraw funds, to perform operation of withdrawing the money accordingly.
9. financial service terminal as claimed in claim 8, is characterized in that, described note output performance element also for, if note output success, then obtain and store the crown word number of banknote, and printing corresponding voucher; If note output failure, then rush and just conclude the business, and show Fail Transaction information.
10. financial service terminal as claimed in claim 9, is characterized in that, described service execution unit also for, if handy service for the people Transaction Success, then print corresponding voucher; If handy service for the people Fail Transaction, then rush and just conclude the business, and show Fail Transaction information.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201510763272.1A CN105336058A (en) | 2015-11-10 | 2015-11-10 | Financial service method and financial service terminal |
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| Application Number | Priority Date | Filing Date | Title |
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| CN201510763272.1A CN105336058A (en) | 2015-11-10 | 2015-11-10 | Financial service method and financial service terminal |
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| CN105336058A true CN105336058A (en) | 2016-02-17 |
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| CN201510763272.1A Pending CN105336058A (en) | 2015-11-10 | 2015-11-10 | Financial service method and financial service terminal |
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