CN110060433B - Bank self-service equipment assisting device, bank self-service cooperation system and bank self-service cooperation method - Google Patents

Bank self-service equipment assisting device, bank self-service cooperation system and bank self-service cooperation method Download PDF

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Publication number
CN110060433B
CN110060433B CN201910289315.5A CN201910289315A CN110060433B CN 110060433 B CN110060433 B CN 110060433B CN 201910289315 A CN201910289315 A CN 201910289315A CN 110060433 B CN110060433 B CN 110060433B
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withdrawal
code
customer
cooperation
bank
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CN110060433A (en
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徐忠民
郭斯
黄肇敏
崔志刚
陈鹏翼
张炜炜
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Industrial and Commercial Bank of China Ltd ICBC
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Industrial and Commercial Bank of China Ltd ICBC
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    • G—PHYSICS
    • G07—CHECKING-DEVICES
    • G07F—COIN-FREED OR LIKE APPARATUS
    • G07F19/00—Complete banking systems; Coded card-freed arrangements adapted for dispensing or receiving monies or the like and posting such transactions to existing accounts, e.g. automatic teller machines
    • G07F19/20—Automatic teller machines [ATMs]
    • G07F19/203—Dispensing operations within ATMs
    • G—PHYSICS
    • G07—CHECKING-DEVICES
    • G07F—COIN-FREED OR LIKE APPARATUS
    • G07F19/00—Complete banking systems; Coded card-freed arrangements adapted for dispensing or receiving monies or the like and posting such transactions to existing accounts, e.g. automatic teller machines
    • G07F19/20—Automatic teller machines [ATMs]
    • G07F19/211—Software architecture within ATMs or in relation to the ATM network

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  • Accounting & Taxation (AREA)
  • Finance (AREA)
  • Physics & Mathematics (AREA)
  • General Physics & Mathematics (AREA)
  • Engineering & Computer Science (AREA)
  • Software Systems (AREA)
  • Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)

Abstract

The invention provides a bank self-service cooperation method, a bank self-service equipment assisting device, a bank self-service cooperation system, computer equipment and a computer readable storage medium, and relates to the technical field of financial equipment. The method comprises the steps that a bank self-service equipment assisting device receives a withdrawal request sent by a customer through a passbook and reads customer information; the background server generates a cooperation code and the effective time of the cooperation code according to the client information; the bank self-service equipment assisting device receives the assisting code, acquires withdrawal information input by a customer according to the assisting code, and sends the cooperation code and the withdrawal information to the background server; the background server verifies the cooperation codes and the passbook passwords, and outputs a cash-out instruction when verification is successful; and the bank self-service equipment assisting device tells the bank notes according to the bank note telling instruction. The invention solves the problem that bankbook customers in the prior banking outlets can not draw cash at ATM, does not need additional hardware investment of banking enterprises and can relieve the counter passenger flow business pressure.

Description

Bank self-service equipment assisting device, bank self-service cooperation system and bank self-service cooperation method
Technical Field
The invention relates to the technical field of financial equipment, in particular to self-service terminal equipment of a bank, and specifically relates to a bank self-service cooperation method, a bank self-service equipment assisting device, a bank self-service cooperation system, computer equipment and a computer readable storage medium.
Background
This section is intended to provide a background or context to the embodiments of the invention that are recited in the claims. The description herein is not admitted to be prior art by inclusion in this section.
At present, the most numerous self-service devices in bank outlets mainly include two types: one is an Automatic Teller Machine (ATM), which has the main functions of cash withdrawal, balance inquiry, transfer and the like, and bank media supported by the ATM are mainly chip cards and magnetic stripe cards; the other is a self-service terminal, the main function is to realize non-cash services such as balance inquiry, account transfer, bankbook registration and the like, and the media supported by the current self-service terminal mainly comprise a chip card, a magnetic stripe card and a bankbook.
The bankbook is used as a traditional bank medium, has low cost and good visibility (the fund flow and the balance on the register can be checked at any time), is deeply favored by part of bank customers, and is sent through the bankbook medium by services such as retirement funds and the like. The bank medium supported by the ATM with the largest number of operation and use in the bank industry is mainly a chip card and a magnetic stripe card, and does not support a passbook, because most of the conventional ATMs do not have passbook reading and printing modules at present, although the latest ATM model can support the passbook medium, due to the cost factor of ATM equipment storage, the bank is unwilling to replace novel ATM equipment, a plurality of passbook users can only transact at a network counter after getting the current, so that the network counter brings larger business pressure, and the hall manager can not guide and shunt the customers to a self-service terminal for self-service transaction.
Therefore, how to provide a new solution, which can solve the above technical problems, is a technical problem to be solved in the art.
Disclosure of Invention
In view of the above, the present invention provides a bank self-service cooperation method, a bank self-service device assisting apparatus, a bank self-service cooperation system, a computer device, and a computer readable storage medium, which solve the problem that a passbook client in a bank outlet cannot withdraw cash at an ATM at present, and can alleviate counter passenger flow business pressure without additional hardware investment of a bank enterprise.
One of the purposes of the invention is to provide a bank self-service equipment assisting device, which comprises a bankbook withdrawal request device, a customer information reading device, a cooperation code acquisition device, a bankbook withdrawal trigger device, a cooperation code reading device, a cash-out device and a cooperation exception handling device;
the bankbook withdrawal request device is used for receiving a withdrawal request sent by a customer through a bankbook;
the customer information reading device is used for reading customer information according to the withdrawal request and sending the customer information to a background server;
the cooperation code acquisition device is used for receiving the assistance code generated by the background server;
the bankbook withdrawal triggering device is used for receiving an assistance code input by the customer, and obtaining withdrawal information input by the customer according to the assistance code, wherein the withdrawal information comprises: the deposit book password, the withdrawal amount, the withdrawal time information and the withdrawal network point;
the cooperation code reading device is used for reading the cooperation code and the withdrawal information and sending the cooperation code and the withdrawal information to the background server;
and the cash-out device is used for receiving the cash-out instruction sent by the background server and carrying out cash-out according to the cash-out instruction.
One of the purposes of the invention is to provide a bank self-service cooperative system, which comprises a background server and a bank self-service equipment assisting device;
the bank self-service equipment assisting device is connected with the background server through a network;
the bank self-service equipment assisting device is used for receiving a withdrawal request sent by a customer through a passbook, reading customer information and sending the customer information to the background server;
the background server is used for generating a cooperation code and the effective time of the cooperation code according to the client information;
the bank self-service equipment assisting device is also used for receiving the assisting code, acquiring withdrawal information input by a customer according to the assisting code, and sending the cooperation code and the withdrawal information to the background server, wherein the withdrawal information comprises a passbook password, a withdrawal amount, withdrawal time information and a withdrawal network point;
the background server is also used for verifying the cooperation codes and the passbook passwords and outputting a money-telling instruction when the verification is successful;
the bank self-service equipment assisting device is further used for telling bank notes according to the bank note telling instruction.
One of the purposes of the invention is to provide a bank self-help cooperation method, which comprises the following steps:
the bank self-service equipment assisting device receives a withdrawal request sent by a customer through a passbook, reads customer information and sends the customer information to a background server;
the background server generates a cooperation code and the effective time of the cooperation code according to the client information;
the bank self-service equipment assisting device receives the assisting code, acquires withdrawal information input by a customer according to the assisting code, and sends the cooperation code and the withdrawal information to the background server, wherein the withdrawal information comprises a passbook password, a withdrawal amount, withdrawal time information and a withdrawal network point;
the background server verifies the cooperation codes and the passbook passwords, and outputs a money-telling instruction when the verification is successful;
and the bank self-service equipment assisting device tells the bank notes according to the bank note telling instruction.
One of the objects of the present invention is to provide a computer apparatus comprising: the system comprises a processor and a storage device, wherein the processor is suitable for realizing all instructions, the storage device stores a plurality of instructions, and the instructions are suitable for being loaded by the processor and executing a bank self-service cooperation method.
It is an object of the present invention to provide a computer-readable storage medium storing a computer program for executing a method of bank self-help collaboration.
The bank self-service cooperation method, the bank self-service equipment assisting device, the bank self-service cooperation system, the computer equipment and the computer readable storage medium have the advantages that the bankbook user can draw cash on the existing ATM on the basis of the currently operating bank equipment, extra hardware investment of a bank enterprise is not needed, and counter passenger flow business pressure can be relieved.
In order to make the aforementioned and other objects, features and advantages of the invention comprehensible, preferred embodiments accompanied with figures are described in detail below.
Drawings
In order to more clearly illustrate the embodiments of the present invention or the technical solutions in the prior art, the drawings used in the description of the embodiments or the prior art will be briefly described below, it is obvious that the drawings in the following description are only some embodiments of the present invention, and for those skilled in the art, other drawings can be obtained according to the drawings without creative efforts.
Fig. 1 is a block diagram of a bank self-service collaboration system according to an embodiment of the present invention;
fig. 2 is a block diagram of a bank self-service collaboration device according to an embodiment of the present invention;
fig. 3 is a schematic structural diagram of a bank self-service device assistance system according to an embodiment of the present invention;
fig. 4 is a block diagram of a background server in a bank self-service device assistance system according to an embodiment of the present invention;
fig. 5 is a flowchart of a bank self-service collaboration method according to an embodiment of the present invention;
fig. 6 is a schematic structural diagram of a bank self-service terminal collaboration system in embodiment 1 provided by the present invention;
fig. 7 is a block diagram of a first implementation manner of a bank self-service terminal collaboration system according to embodiment 1 of the present invention;
fig. 8 is a block diagram of a second implementation manner of a bank self-service terminal collaboration system according to embodiment 1;
fig. 9 is a flowchart of a method for cooperating a bank self-service terminal according to embodiment 1 of the present invention;
fig. 10 is a block diagram of a bank self-service terminal cooperation system according to embodiment 2 of the present invention;
fig. 11 is a flowchart of a bank self-service terminal cooperation method according to embodiment 2 of the present invention.
Detailed Description
The technical solutions in the embodiments of the present invention will be clearly and completely described below with reference to the drawings in the embodiments of the present invention, and it is obvious that the described embodiments are only a part of the embodiments of the present invention, and not all of the embodiments. All other embodiments, which can be derived by a person skilled in the art from the embodiments given herein without making any creative effort, shall fall within the protection scope of the present invention.
As will be appreciated by one skilled in the art, embodiments of the present invention may be embodied as a system, apparatus, method or computer program product. Accordingly, the present disclosure may be embodied in the form of: entirely hardware, entirely software (including firmware, resident software, micro-code, etc.), or a combination of hardware and software.
The principles and spirit of the present invention are explained in detail below with reference to several representative embodiments of the invention.
The invention provides a bank self-service cooperation system, which aims to solve the problems that in the prior art, bank media supported by the ATM with the largest number of operating and using in the bank industry are mainly chip cards and magnetic stripe cards and do not support passbooks, a plurality of passbook users can only transact at a network counter when getting cash, so that great service pressure is brought to the network counter, and a hall manager cannot guide and shunt the customers to a self-service terminal for self-service transaction.
Specifically, fig. 1 is a block diagram of a bank self-service cooperation system according to an embodiment of the present invention, and referring to fig. 1, the system according to the present invention includes a background server 100 and a bank self-service device assisting apparatus 200. The background server 100 communicates with the bank self-service device assisting apparatus 200 via a network.
In the present invention, the bank self-service device assisting apparatus 200 is configured to receive a withdrawal request sent by a customer through a passbook, read customer information, and send the customer information to a background server;
the background server 100 is configured to generate a cooperation code and an effective time of the cooperation code according to the client information;
the bank self-service equipment assisting device 200 is further configured to receive the assisting code, obtain withdrawal information input by a customer according to the assisting code, and send the cooperation code and the withdrawal information to the background server, where the withdrawal information includes a passbook password, a withdrawal amount, withdrawal time information, and a withdrawal branch point;
the background server 100 is further configured to verify the cooperation code and the passbook password, and output a cash-out instruction when the verification is successful;
the bank self-service equipment assisting device 200 is further used for telling bank notes according to the bank note telling instruction.
Fig. 2 is a block diagram of a bank self-service cooperation apparatus according to an embodiment of the present invention, referring to fig. 2, in an embodiment of the present invention, a bank self-service device assisting apparatus 200 includes a passbook withdrawal requesting apparatus 11, a customer information reading apparatus 12, a cooperation code acquiring apparatus 13, a passbook withdrawal triggering apparatus 31, a cooperation code reading apparatus 32, and a cash dispensing apparatus 33.
The bankbook withdrawal request device 11 is configured to receive a withdrawal request sent by a customer through a bankbook.
In a specific embodiment, the passbook withdrawal request device 11 may be a numeric key or a trigger area on a touch screen, and is configured to receive a passbook withdrawal request sent by a passbook customer on a self-service terminal, and send the request to the customer information reading device 12.
The customer information reading device 12 is configured to read customer information according to the withdrawal request, and send the customer information to a background server. The customer information may include one or more of the following: bankbook magnetic stripe information, bankbook password, withdrawal amount, withdrawal time information, customer fingerprint and customer facial characteristic value. The withdrawal time can be selected by the customer, and can be immediate withdrawal or withdrawal in a reserved time period.
The cooperative code obtaining device 13 is configured to receive the assist code generated by the background server. The cooperation code can be a character string, a bar code, a graphic code, a two-dimensional code and the like and is used as a customer identity certificate for ATM withdrawal.
The bankbook withdrawal trigger device 31 is configured to receive an assistance code input by the customer, and obtain withdrawal information input by the customer according to the assistance code, where the withdrawal information includes: the system comprises a passbook password, a withdrawal amount, withdrawal time information and a withdrawal network point.
In a specific embodiment, the passbook withdrawal triggering device receives a passbook withdrawal application instruction sent by a passbook customer, wherein the passbook withdrawal application instruction comprises an assistance code, and when the customer touches the passbook withdrawal triggering device, the customer displays a withdrawal interface to obtain withdrawal information input by the customer.
The cooperation code reading device 32 is configured to read the cooperation code and the withdrawal information, and send the cooperation code and the withdrawal information to the background server;
and the cash-out device 33 is used for receiving the cash-out instruction sent by the background server and carrying out cash-out according to the cash-out instruction.
Referring to fig. 2, in an embodiment of the present invention, the bank self-service device assisting apparatus further includes:
and the cooperation exception handling device 304 is configured to send transaction failure information to the background server when the banknote dispensing device fails to dispense banknotes, where the transaction failure information includes a transaction search number.
In a specific embodiment, the cooperative abnormal processing device is a compensation process when the banknote dispensing device 33 fails to complete the banknote dispensing normally when an abnormal condition occurs during the banknote dispensing process, and sends information of the failed transaction (including a transaction search number and the like) to the background server. If the network is abnormal and the failure transaction information can not be sent out, the information is sent to the background server again by the device before the next transaction is started and initialized.
Referring to fig. 2, in an embodiment of the present invention, the bank self-service device assisting apparatus further includes:
and a biometric acquisition device 305 for acquiring the biometric characteristics of the client, including fingerprints, iris, vein and facial photos. In a specific embodiment, the biometric acquisition device may be a high-definition camera, a fingerprint meter, an iris meter, a vein meter, or the like.
Fig. 3 is a schematic structural diagram of a bank self-service device assistance system according to an embodiment of the present invention, please refer to fig. 3, in which the bank self-service device assistance system includes a backend server 100, a bank self-service terminal 10, and a bank ATM 30. In this embodiment, the passbook withdrawal triggering device, the cooperation code reading device, the banknote dispensing device, and the cooperation abnormality processing device are disposed in the bank ATM30, and the passbook withdrawal requesting device, the customer information reading device, and the cooperation code acquiring device are disposed in the bank self-service terminal 10. In other embodiments of the present invention, the cooperation code obtaining apparatus may also be disposed in a mobile terminal.
Fig. 4 is a block diagram of a background server in a bank self-service device assistance system according to an embodiment of the present invention, and referring to fig. 4, in an embodiment of the present invention, the background server 100 includes a passbook withdrawal registration module 21, a cooperation code generation module 22, a passbook withdrawal processing module 23, and a withdrawal accounting processing module 24.
The bankbook withdrawal registration module 21 is configured to store, register, and update cooperation information, where the cooperation information includes a bankbook withdrawal cooperation code, a transaction search number, a withdrawal amount, a bankbook account number, a bank self-service terminal code for making a bankbook withdrawal request, a bank ATM number for finally responding to the bankbook withdrawal, a bankbook withdrawal application trigger time, a bankbook withdrawal response processing time, and a valid time of the bankbook withdrawal cooperation code;
the bankbook withdrawal processing module 23 is configured to receive the customer information and verify the customer information;
the cooperation code generation module 22 is configured to generate a cooperation code and an effective time of the cooperation code according to the customer information when the passbook withdrawal processing module is successfully verified;
the bankbook withdrawal processing module 23 is further configured to receive a cooperation code and withdrawal information, query the bankbook withdrawal registration module according to the cooperation code to verify the cooperation code and the bankbook password, and output a money deduction instruction when the verification is successful;
the withdrawal accounting processing module 24 is configured to process the accounting balance of the bankbook according to the money deducting instruction, update a withdrawal reservation record corresponding to the bankbook withdrawal registration module according to the transaction retrieval number, and output a money issuing instruction.
In an embodiment of the present invention, the bank self-service device assisting apparatus is further configured to send transaction failure information to the background server when the bank note is failed to be dispensed;
the bankbook withdrawal register module 21 is further configured to receive the transaction failure information, search for cooperation information according to the transaction failure information, and output transaction rollback update information.
In an embodiment of the present invention, referring to fig. 2, the backend server further includes a client characteristic identification module 25 and a client characteristic storage module 26.
Wherein, the customer characteristic storage module 26 is used for storing the biological characteristics of the customer;
the client feature identification module 25 is configured to identify the biometric feature and determine a cooperation code corresponding to the biometric feature.
In summary, the present invention provides a bank self-service device assisting device and a bank self-service cooperation system, and the bank self-service device assisting device and the bank self-service cooperation system solve the problem that a bankbook client in a bank outlet cannot draw cash at an ATM at present by setting a bankbook withdrawal requesting device, a client information reading device, a cooperation code acquiring device, a biometric feature collecting device, a bankbook withdrawal triggering device, a cooperation code reading device, a cash dispensing device, and a cooperation exception handling device, and can alleviate counter passenger flow business pressure without extra hardware investment of a bank enterprise.
Furthermore, although in the above detailed description several unit modules of the system are mentioned, this division is not mandatory only. Indeed, the features and functions of two or more of the units described above may be embodied in one unit, according to embodiments of the invention. Also, the features and functions of one unit described above may be further divided into embodiments by a plurality of units. The terms "module" and "unit" used above may be software and/or hardware that realizes a predetermined function. While the modules described in the following embodiments are preferably implemented in software, implementations in hardware, or a combination of software and hardware are also possible and contemplated.
Having described the bank self-service cooperation system and the bank self-service device assisting apparatus according to exemplary embodiments of the present invention, a method according to exemplary embodiments of the present invention will be described with reference to the accompanying drawings. The implementation of the method can be referred to the above overall implementation, and repeated details are not repeated.
Fig. 5 is a flowchart of a bank self-service collaboration method according to an embodiment of the present invention, please refer to fig. 5, where the method includes:
s101: the bank self-service equipment assisting device receives a withdrawal request sent by a customer through a passbook, reads customer information and sends the customer information to a background server;
s102: the background server generates a cooperation code and the effective time of the cooperation code according to the client information;
s103: the bank self-service equipment assisting device receives the assisting code, acquires withdrawal information input by a customer according to the assisting code, and sends the cooperation code and the withdrawal information to the background server, wherein the withdrawal information comprises a passbook password, a withdrawal amount, withdrawal time information and a withdrawal network point;
s104: the background server verifies the cooperation codes and the passbook passwords, and outputs a money-telling instruction when the verification is successful;
s105: and the bank self-service equipment assisting device tells the bank notes according to the bank note telling instruction.
In one embodiment of the invention, the method further comprises:
the bank self-service equipment assisting device collects the biological characteristics of the customer and sends the biological characteristics to the background server;
the background server identifies the biometric feature and then executes step S104 when the biometric feature is successfully matched with the stored set of client pictures.
In this embodiment, adding the biometric feature may effectively prevent others from claiming the collaboration code to withdraw money.
The present invention also provides a computer device comprising: the bank self-service cooperation method comprises a processor and a storage device, wherein the processor is suitable for realizing instructions, the storage device stores a plurality of instructions, and the instructions are suitable for being loaded by the processor and executing the bank self-service cooperation method.
The invention also provides a computer readable storage medium storing a computer program for executing the bank self-service cooperation method.
The following describes the technical solution of the present invention in detail through specific embodiments provided by the present invention, in conjunction with the accompanying drawings of the present invention. Fig. 6 is a schematic structural diagram of a bank self-service terminal cooperation system in embodiment 1, please refer to fig. 6, in which the present invention provides a bank self-service terminal cooperation system including a bank self-service terminal 10, a bank ATM30 and a bank backend server 100. The bank self-service terminal 10 is connected with the bank background server 100 through a bank private network; the bank backend server 100 is connected to the bank ATM30 through a bank private network.
Fig. 7 is a block diagram of a configuration of a bank self-service terminal cooperation system in embodiment 1, and referring to fig. 7, in this embodiment, a bank self-service terminal 10 includes a passbook withdrawal request device 11, a customer information reading device 12, and a cooperation code obtaining device 13.
The bankbook withdrawal request device 11 is a physical key disposed on the bank self-service terminal 10, may be a digital key, and may also be a trigger area on a touch screen, and is configured to receive a bankbook withdrawal request sent by a bankbook customer on the self-service terminal, and send the bankbook withdrawal request to the customer information reading device 12.
The customer information reading device 12 is a hardware device disposed on the bank self-service terminal 1, and includes but is not limited to a digital key, a magnetic stripe reader/writer, a touch screen, a high-definition camera, a fingerprint instrument, and the like, and is responsible for reading relevant customer information related to the deposit book withdrawal, and the information may include one or more of the following information: bankbook magnetic stripe information, bankbook password, withdrawal amount, withdrawal time information, customer fingerprint and customer facial characteristic value. The withdrawal time can be selected by the customer, and can be immediate withdrawal or withdrawal in a reserved time period.
The cooperation code acquiring device 13 is responsible for receiving the assistance code generated by the bank background server 100 and delivering the cooperation code to the client. The cooperation code acquisition device 13 can be installed on the bank self-service terminal 1 to directly print the cooperation code on the customer bankbook. The cooperation code can be a character string, a bar code, a graphic code, a two-dimensional code and the like and is used as a customer identity certificate for ATM money drawing.
Preferably, the cooperation code acquiring device may not be installed on the bank self-service terminal 1, or may be installed on the mobile terminal 40 of the customer, and directly receive the assistance code generated by the bank backend server 100 as a customer identity credential for ATM withdrawal (as shown in fig. 8).
The bank background server 100 includes a passbook withdrawal registration module 21, a cooperation code generation module 22, a passbook withdrawal processing module 23, and a withdrawal accounting processing module 24.
The bankbook withdrawal register module 21 is disposed on the bank background server 100, and is configured to store, register, and update cooperation information, where the information includes one or more of the following: the system comprises a bankbook withdrawal cooperation code, a transaction retrieval number, a withdrawal amount, a bankbook account number, a bank self-service terminal code for issuing a bankbook withdrawal request, a bank ATM number for finally responding to the bankbook withdrawal, bankbook withdrawal application triggering time, bankbook withdrawal response processing time, valid time of the bankbook withdrawal cooperation code and the like. After receiving the abnormal cooperation information sent by the bank atm, finding out the matching record and updating the transaction rollback according to the transmitted transaction search number.
The cooperation code generation module 22 is disposed on the bank backend server 100, and after receiving the passbook withdrawal application instruction data sent by the passbook withdrawal request device 11, the bank backend server is responsible for generating the cooperation code for the passbook withdrawal and the effective time of the cooperation code according to the application instruction request transaction type, the time factor, the self-service terminal number and other elements.
The bankbook withdrawal processing module 23 is responsible for checking the information of the upper client and checking the magnetic stripe of the bankbook and the passbook password of the client after receiving the bankbook withdrawal request of the bank self-service terminal; after receiving a bankbook withdrawal request of the bank ATM, checking the verification cooperation code and the user password;
the withdrawal accounting processing module 24 is disposed on the bank background server 100, and after receiving a money deduction instruction sent by the bankbook withdrawal processing module 23, the module processes the account balance of the bankbook according to the amount of money to be withdrawn, updates the withdrawal reservation record corresponding to the bankbook withdrawal registration module 22 according to the unique transaction retrieval number, and sends a money output instruction to the bank ATM.
Preferably, the module is also responsible for receiving a cooperation exception signal sent by the cooperation exception processing device 34, inquiring the record information matched with the passbook withdrawal registration module 21 according to a transaction retrieval number in an exception signal instruction, recovering the account balance of the passbook according to the withdrawal amount, and returning a recovery success signal data packet to the bank ATM.
The bank ATM30 includes a passbook withdrawal trigger 31, a cooperation code reading device 32, a banknote dispensing device 33, and a cooperation abnormality processing device 34.
The bankbook withdrawal triggering device 31 is disposed on the bank ATM3, may be a physical key on the existing ATM, and may also be a triggering area on the touch screen if the existing ATM supports the touch screen, and is used for receiving a bankbook withdrawal application instruction sent by a bankbook customer on the self-service terminal, and when the customer touches the touch screen, a withdrawal interface is displayed to the customer on the ATM screen.
The cooperation code reading device 32 is responsible for reading information such as a cooperation code and a withdrawal password of a customer, and includes but is not limited to a digital key, a touch screen, a high-definition camera, a fingerprint instrument and the like.
The cash-out device 33 is responsible for counting cash from a cash box of the ATM and delivering the cash to a bankbook customer through a cash-out bin.
The cooperative abnormal processing device 34 is responsible for compensating when abnormal conditions occur in the banknote-dispensing process of the banknote-dispensing device 33 and the banknote-dispensing cannot be completed normally, and sending the information of the failed transaction (including a transaction retrieval number and the like) to the bank background server 2. If the network is abnormal and the failure transaction information can not be sent out, the information is sent to the bank background server 100 by the device again before the next transaction is started and initialized.
Fig. 9 is a flowchart of a bank self-service terminal cooperation method according to embodiment 1, with reference to fig. 9, in embodiment 1, the method includes:
s201: after receiving physical touch of a passbook withdrawal customer, a passbook withdrawal request device 11 of the bank self-service terminal 10 calls out a withdrawal interface to enable the customer to input withdrawal information; the customer information reading device 12 reads the withdrawal related information of the customer, where the information includes information such as magnetic stripe data of a passbook, withdrawal amount, withdrawal point, withdrawal time period, and passbook password, and packages the collected withdrawal information including information such as second magnetic information of the passbook, withdrawal amount, withdrawal point, withdrawal time period, and password, and sends the packaged withdrawal information to the passbook withdrawal processing module 23 of the bank backend server 100 for processing.
S202: the bankbook withdrawal processing module 23 reads withdrawal related information of the customer after receiving the customer information reading device 12, and verifies information such as a magnetic stripe, a bankbook password and the like of the customer; if the verification is passed, the cooperation code generation module 22 generates a cooperation code for withdrawing the passbook and the effective time of the cooperation code according to the factors such as the application instruction request transaction type, the time factor, the self-service terminal number and the like, and sends the cooperation code to the cooperation code acquisition device 13; the passbook withdrawal registration module 21 registers collaboration information, including one or more of: the system comprises a bankbook withdrawal cooperation code, a transaction retrieval number, a withdrawal amount, a bankbook account number, a bank self-service terminal code for issuing a bankbook withdrawal request, a bank ATM number for finally responding to the bankbook withdrawal, bankbook withdrawal application triggering time, bankbook withdrawal response processing time, valid time of the bankbook withdrawal cooperation code and the like.
S203: the cooperation code acquiring device 13 receives the assistance code generated by the bank backend server 100 and then delivers the cooperation code to the client. If the cooperation code acquisition device 13 is installed on the bank self-service terminal, the cooperation code is directly printed on the customer bankbook. The cooperation code can be a character string, a bar code, a graphic code, a two-dimensional code and the like and is used as a customer identity certificate for ATM money drawing.
Preferably, the cooperation code obtaining device 13 may also be installed on a mobile phone of the client, and the cooperation code generating module 22 directly sends the cooperation code information to the cooperation code obtaining device 13 on the mobile phone of the client through a wireless network and displays the cooperation code information to the client.
S204: when a customer withdraws money on the ATM, the customer physically touches the bankbook withdrawal trigger device 31 to call out a withdrawal interface so as to input withdrawal information.
S205: the cooperation code reading device 32 collects information input by the customer through a number key, a touch screen, a high-definition camera, a fingerprint instrument and other devices, wherein the information includes but is not limited to information such as a passbook account or a cooperation code for passbook withdrawal, a withdrawal amount, a passbook password and the like, and packages and encrypts the collected data and sends the data to the passbook withdrawal processing module 23.
S206: the bankbook withdrawal processing module 23 inquires the record in the bankbook withdrawal registration module 21 according to the cooperation code, if the record is matched and the bankbook withdrawal cooperation code is valid, the bankbook password is verified, if the verification is successful, the next step of processing is carried out, and if the verification is not successful, the cash withdrawal process is exited by error.
S207: the withdrawal accounting processing module 24 performs accounting deduction processing on the accounting balance of the bankbook according to the amount of withdrawal, and sends a bank note issuing instruction to the bank note issuing device 33; the passbook withdrawal registration module 21 updates the corresponding reservation record according to the cooperation code or the unique transaction retrieval number.
S208: the bill dispensing device 33 dispenses bills to the bankbook withdrawal customer in accordance with the withdrawal amount.
S209: when a passbook customer uses the passbook to perform any operation such as inquiry and the like on the bank self-service terminal 10, the bank self-service terminal 1 automatically performs withdrawal record and subsidy on the passbook.
Preferably, this step may be omitted or less time consuming.
In the above embodiment 1, with the bank self-service collaboration system provided by the present invention, a customer may first swipe a passbook on a self-service terminal of any one of the banking outlets to obtain a collaboration code, and then withdraw cash at the ATM machine by using the collaboration code.
Fig. 10 is a block diagram of a bank self-service terminal cooperation system according to embodiment 2 of the present invention, and referring to fig. 10, in embodiment 2, the system includes a bank self-service terminal 10, a backend server 100, and a bank ATM 30. The bank self-service terminal 10 is connected with the bank background server 100 through a bank private network; the bank backend server 100 is connected to the bank ATM30 through a bank private network.
The bank self-service terminal 10 includes a passbook withdrawal request device 11, a customer information reading device 12, and a cooperation code obtaining device 13.
The bankbook withdrawal request device 11 is a physical key disposed on the bank self-service terminal 1, may be a digital key, and may also be a trigger area on a touch screen, and is configured to receive a bankbook withdrawal request sent by a bankbook customer on the self-service terminal, and send the request to the customer information reading device 12.
The customer information reading device 12 is a hardware device disposed on the bank self-service terminal 1, and includes but is not limited to a digital key, a magnetic stripe reader/writer, a touch screen, a high-definition camera, a fingerprint instrument, an iris instrument, a vein instrument, and the like, and is responsible for reading relevant customer information related to the withdrawal of a passbook, and the information may include one or more of the following information: the system comprises a bankbook magnetic stripe information, a bankbook password, a withdrawal amount, withdrawal time information (which can be selected by a customer), a withdrawal network point information (which can be selected by the customer in a pull-down frame and is the network point where the self-service terminal is located by default), a customer fingerprint and a plurality of pictures of the customer during withdrawal. The withdrawal time can be selected by the customer, and can be immediate withdrawal or withdrawal in a reserved time period.
The cooperation code acquiring device 13 is responsible for receiving the assistance code generated by the bank background server 100 and delivering the cooperation code to the client. The cooperation code acquisition device 13 can be installed on the bank self-service terminal 1 to directly print the cooperation code on the customer bankbook. The cooperation code can be a character string, a bar code, a graphic code, a two-dimensional code and the like and is used as a customer identity certificate for ATM money drawing.
The bank backend server 100 includes a passbook withdrawal registration module 21, a cooperation code generation module 22, a passbook withdrawal processing module 23, a withdrawal accounting processing module 24, a customer feature identification module 25, and a customer feature storage module 26.
The bankbook withdrawal register module 21 is disposed on the bank background server 2, and is used for storing, registering and updating collaboration information, where the information includes one or more of the following: the system comprises information such as a bankbook withdrawal cooperation code, a transaction retrieval number, a withdrawal amount, a bankbook account number, a bank self-service terminal code for issuing a bankbook withdrawal request, a bank ATM number for finally responding to the bankbook withdrawal, a website number for reserving withdrawal, a bankbook withdrawal application trigger time, a bankbook withdrawal response processing time, and an effective time of the bankbook withdrawal cooperation code. After receiving withdrawal cooperation abnormal information sent by the bank ATM, finding out a matching record and updating transaction rollback according to the transaction retrieval number sent by the bank ATM.
The cooperation code generation module 22 is disposed on the bank backend server 100, and after receiving the passbook withdrawal application instruction data sent by the passbook withdrawal request device 11, the bank backend server is responsible for generating the cooperation code for the passbook withdrawal and the effective time of the cooperation code according to the application instruction request transaction type, the time factor, the self-service terminal number, the website number, the biological characteristic data and other elements.
Preferably, the cooperation code generated by adding the biological characteristic data factor can effectively prevent other people from pretending the cooperation code to withdraw money.
The bankbook withdrawal processing module 23 is responsible for checking the information of the upper client and checking the magnetic stripe of the bankbook and the passbook password of the client after receiving the bankbook withdrawal request of the bank self-service terminal; after receiving a bankbook withdrawal request of the bank ATM, checking the verification cooperation code and the user password;
the withdrawal accounting processing module 24 is disposed on the bank background server 100, and after receiving a money deduction instruction sent by the bankbook withdrawal processing module 23, the module processes the account balance of the bankbook according to the amount of money to be withdrawn, updates the withdrawal reservation record corresponding to the bankbook withdrawal registration module 22 according to the unique transaction retrieval number, and sends a money output instruction to the bank ATM.
Preferably, the module is also responsible for receiving a cooperation exception signal sent by the cooperation exception processing device 34, inquiring the record information matched with the passbook withdrawal registration module 21 according to a transaction retrieval number in an exception signal instruction, recovering the account balance of the passbook according to the withdrawal amount, and returning a recovery success signal data packet to the bank ATM.
The customer feature identification module 25 is used for rapidly positioning a customer site according to the number of the ATM aiming at the characteristics that the customer has short time interval between the time when the customer reserves the withdrawal time at the self-service terminal and the time when the customer withdraws money at the ATM, and the customer occurs in the same site, and the skin color, the dressing and the facial influence of the customer have small difference, and rapidly retrieving all customer biological feature libraries which are requested by the self-service terminal of the site for the deposit book withdrawal and are in the valid period from the customer feature storage module 26, thereby avoiding whole-library retrieval, greatly reducing the time used for biological identification and improving the identification efficiency.
The module can compare the client biological characteristic values collected by the self-service terminal and the ATM respectively, and the biological characteristic values can be client fingerprints, facial features and irises. In the embodiment, facial recognition is taken as an example, the module grids the front pictures of the customers acquired by the self-service terminal and the ATM respectively, Gabor wavelet transformation is carried out on each grid of the images, high-frequency features of human faces are extracted through convolution of Gabor wavelet kernel functions and grid images, vector feature extraction is carried out on each grid, grid vector human face recognition and matching are carried out, and if matching is successful, a cooperation code corresponding to the customer is found in the customer feature storage module 26.
The customer characteristic storage module 26 is responsible for storing the biological characteristic data of the bankbook withdrawal appointment customer, the data sets a storage validity period according to the withdrawal validity period appointed by the customer, the data is automatically deleted after expiration if the validity period is exceeded, the biological characteristic data of each customer corresponds to a unique cooperation code, and the cooperation code stored in the customer characteristic storage module 26 have the same one-to-one correspondence relationship
The bank ATM30 comprises a bankbook withdrawal trigger device 31, a cooperation code reading device 32, a cash dispenser 33, a cooperation exception processing device 34 and a biological characteristic collecting device 35.
The bankbook withdrawal triggering device 31 is disposed on the bank ATM30, may be a physical key on the existing ATM, and may also be a triggering area on the touch screen if the existing ATM supports the touch screen, and is used for receiving a bankbook withdrawal application instruction sent by a bankbook customer on the self-service terminal, and when the customer touches the touch screen, a withdrawal interface is displayed to the customer on the ATM screen.
The cooperation code reading device 32 is responsible for reading information such as a cooperation code and a withdrawal password of a customer, and includes but is not limited to a digital key, a touch screen, a high-definition camera, a fingerprint instrument and the like.
The cash-out device 33 is responsible for counting cash from a cash box of the ATM and delivering the cash to a bankbook customer through a cash-out bin.
The cooperative abnormal processing device 34 is responsible for compensating when abnormal conditions occur in the banknote-dispensing process of the banknote-dispensing device 33 and the banknote-dispensing cannot be completed normally, and sending the information of the failed transaction (including a transaction retrieval number and the like) to the bank background server 2. If the network is abnormal and the failure transaction information can not be sent out, the information is sent to the bank background server 2 again by the device before the next transaction is started and initialized.
The biological characteristic collecting device 35 is responsible for the biological characteristics of the ATM withdrawing customers, and can be a high-definition camera, a fingerprint instrument, an iris instrument, a vein instrument and the like.
Fig. 11 is a flowchart of a bank self-service terminal cooperation method according to embodiment 2, with reference to fig. 11, in embodiment 2, the method includes:
s301: after receiving physical touch of a passbook withdrawal customer, a passbook withdrawal request device 11 of the bank self-service terminal 10 calls out a withdrawal interface to enable the customer to input withdrawal information; the customer information reading device 12 reads the withdrawal related information of the customer, where the information includes information such as magnetic stripe data of a passbook, withdrawal amount, withdrawal point, withdrawal time period, passbook password, and customer's biometric characteristic, and packages the collected withdrawal information including information such as two magnetic information of the passbook, withdrawal amount, withdrawal point, withdrawal time period, password, and customer's biometric characteristic data, and sends the packaged withdrawal information to the passbook withdrawal processing module 23 of the bank server 100 for processing. The biometric data of the customer can be a fingerprint of the customer, and a plurality of photos of the customer when the customer withdraws money. The withdrawal time can be selected by the customer, and can be immediate withdrawal or withdrawal in a reserved time period.
S302: the bankbook withdrawal processing module 23 reads withdrawal related information of the customer after receiving the customer information reading device 12, and verifies information such as a magnetic stripe, a bankbook password and the like of the customer; if the verification is passed, the cooperation code generation module 22 generates a cooperation code for withdrawing the passbook and the effective time of the cooperation code according to the factors such as the application instruction request transaction type, the time factor, the self-service terminal number, the biological characteristic data and the like, and sends the cooperation code to the cooperation code acquisition device 13; the customer feature storage module 26 registers feature data of the facial recognition of the customer, and records a cooperation code and a validity period of the cooperation code corresponding to the customer feature data, a bank website number for providing a bankbook withdrawal request, and a self-service terminal number. The passbook withdrawal registration module 21 registers collaboration information, including one or more of: the system comprises a bankbook withdrawal cooperation code, a transaction retrieval number, a withdrawal amount, a bankbook account number, a bank network point number and a self-service terminal number which provide a bankbook withdrawal request, a bank ATM number which finally responds to the bankbook withdrawal, bankbook withdrawal application trigger time, bankbook withdrawal response processing time, valid time of the bankbook withdrawal cooperation code and other information.
Preferably, the cooperation code generated by adding the biological characteristic data factor can effectively prevent other people from pretending the cooperation code to withdraw money.
S303: the cooperation code acquiring means 13 receives the assistance code generated by the bank server 2 and then delivers the cooperation code to the client. If the cooperation code acquisition device 13 is installed on the bank self-service terminal, the cooperation code is directly printed on the customer bankbook. The cooperation code can be a character string, a bar code, a graphic code, a two-dimensional code and the like and is used as a customer identity certificate for ATM money drawing.
Preferably, the cooperation code obtaining device 13 may also be installed on a mobile phone of the client, and the cooperation code generating module 22 directly sends the cooperation code information to the cooperation code obtaining device 13 on the mobile phone of the client through a wireless network and displays the cooperation code information to the client.
S304: when a customer withdraws money on the ATM, the ATM physically touches the bankbook withdrawal trigger device 31, starts a bankbook withdrawal process, and displays a withdrawal interface to the customer.
S305: the ATM starts the biometric acquisition device 35 and takes a picture of the front of the withdrawal customer through the high-definition camera of the device. The module packages and encrypts the collected customer photo data and data such as bank outlet number, ATM number and the like and sends the data to a customer characteristic identification module 25 of a bank server.
S306: the customer characteristic identification module 25 searches all customer picture sets in the validity period of the customer characteristic storage module 26 according to the serial numbers of the bank outlets sent by the customer characteristic identification module 25, and the customer characteristic identification module 25 compares the front pictures of the cardholders in the customer picture sets with the front pictures of the operators.
First, the image checking module checks 5 front pictures P of the card holder stored in the image temporary storagei(i ═ 1,2,3,4,5) skin color detection is initiated and the skin color to image ratio k is calculatedi(i ═ 1,2,3,4, 5). Take different kiThe values (at least 2 or more) are used as the sample library of the operator. Take different kiThe purpose of the value is to improve the face recognition rate in consideration of a certain posture change of an operator.
Secondly, the image verification module extracts vector weighting characteristics of the obtained sample library image:
(1) to Pi(i ═ 1,2,3,4,5) the face region was extracted, and normalization processing was performed to obtain a face image Fi(i＝1,2,3,4,5)；
(2) Using rectangular pairs F of 5 x 5 pixelsi(i ═ 1,2,3,4,5) gridding;
(3) and (3) extracting vector features of each grid: and carrying out Gabor wavelet transform on each grid of the image, and extracting the high-frequency characteristics of the human face through convolution of a Gabor wavelet kernel function and the grid image. The result of the transformation of each wavelet in the Gabor wavelet function family with an image grid point is taken as one component of the feature vector at the grid point:
Figure BDA0002024392930000151
where j represents a component of the feature vector,
Figure BDA0002024392930000152
is the jth wavelet kernel function in the Gabor wavelet family,
Figure BDA0002024392930000153
is the coordinates of the pixels within the grid,
Figure BDA0002024392930000154
is the pixel value of the corresponding coordinate. Transforming the mesh with 3 × 6 kernel functions to obtain the feature vector of the mesh, which is noted as
Figure BDA0002024392930000155
Figure BDA0002024392930000156
(4) Computing average feature vectors
Figure BDA0002024392930000157
Figure BDA0002024392930000158
Each characteristic component of
Figure BDA0002024392930000159
Average of the sum of the components.
(5) Calculating the weighted Euclidean distance d between each sample vector and the average characteristic vectori。
Figure BDA00020243929300001510
Wherein
Figure BDA00020243929300001511
Figure BDA00020243929300001512
φj(kij) Is the jth face sample at the jth feature vectorProbability of volume presentation kijOf a quadratic function of epsiloniIs a random error. var theta (y)i)＝E[θ(yi)-E(θ(yi))]2，
Figure BDA00020243929300001513
And
Figure BDA00020243929300001514
is the best function determined iteratively by the modified conditional expectation algorithm.
(6) Determining a threshold value delta:
Figure BDA00020243929300001515
wherein
Figure BDA00020243929300001516
dmax＝max(di)，0≤c≤1。
And thirdly, the image verification module performs grid vector face recognition on the front picture P of the operator and the sample library obtained in the previous step. The method comprises the following steps:
(1) and extracting the P face image, and performing normalization processing to obtain a face image F.
(2) F is gridded using a rectangle of 5 x 5 pixels.
(3) And (3) extracting vector features of each grid: and carrying out Gabor wavelet transform on each grid of the image, and extracting the high-frequency characteristics of the human face through convolution of a Gabor wavelet kernel function and the grid image. The result of the transformation of each wavelet in the Gabor wavelet function family with an image grid point is taken as one component of the feature vector at the grid point:
Figure BDA0002024392930000161
where j represents a component of the feature vector,
Figure BDA0002024392930000162
is the jth wavelet kernel function in the Gabor wavelet family,
Figure BDA0002024392930000163
is the coordinates of the pixels within the grid,
Figure BDA0002024392930000164
is the pixel value of the corresponding coordinate. The feature vectors of the mesh are obtained by transforming the mesh using 3 × 6 kernel functions. Is marked as
Figure BDA0002024392930000165
(4) Computing
Figure BDA0002024392930000166
And
Figure BDA0002024392930000167
the euclidean distance d.
(5) Comparison with a threshold: if d < δ, facial feature matching is considered successful, otherwise it may be considered unsuccessful. If the facial features are matched successfully, the records corresponding to the passbook withdrawal register module 21 are found through the cooperation codes corresponding to the customers through the customer feature storage module 26, matching success information is sent to the bank ATM, the customers input withdrawal amount and passwords, and if the facial features are not matched, matching failure information is sent to the bank ATM, the customers input withdrawal amount, passwords and cooperation codes.
S307: if the ATM receives the matching success result, the cooperative code reading device 32 collects the withdrawal amount and the withdrawal password input by the customer through the digital key and the touch screen; and if the ATM receives the matching failure result, collecting the withdrawal amount, the password and the cooperation code input by the customer through a digital key, a touch screen, a high-definition camera and other equipment. And the collected information is encrypted and packaged and sent to a bank server.
S308: the bankbook withdrawal processing module 23 inquires the record in the bankbook withdrawal registration module 21 according to the cooperation code, if the record is matched and the bankbook withdrawal cooperation code is valid, the bankbook password is checked, if the check fails, a mistake is reported and the withdrawal process is exited, otherwise, the withdrawal accounting processing module 24 carries out account deduction processing on the account balance of the bankbook according to the withdrawn amount and sends a cash-out instruction to the cash-out device 33; the passbook withdrawal registration module 21 updates the corresponding reservation record according to the cooperation code or the unique transaction retrieval number.
S309: the bill dispensing device 33 dispenses bills to the bankbook withdrawal customer in accordance with the withdrawal amount.
S310: when a passbook customer uses the passbook to perform any operation such as inquiry and the like on the bank self-service terminal 10, the bank self-service terminal 10 automatically performs withdrawal record and subsidy on the passbook.
Preferably, this step may be omitted or less time consuming.
In this embodiment 2, since the customer makes an appointment with the self-service terminal of the bank branch to withdraw money at the bankbook, the customer generally withdraws money at the ATM in the same branch within a short time interval, and the skin color and the dressing of the customer within the short time interval do not change much, and these characteristics can be utilized, and the biometric identification technology is combined, so that the disadvantages of long matching time for the biometric identification whole-bank search and retrieval and low identification efficiency can be effectively avoided, the customer operation can be simplified, and the utilization efficiency of the device can be improved. The embodiment adopts the face recognition technology of the client to complete the device cooperation processing, and other schemes adopting other biological recognition technologies such as fingerprints, irises, veins and the like are also within the protection scope of the invention.
In summary, the present invention provides a bank self-service cooperation method, a bank self-service device assisting apparatus, a bank self-service cooperation system, a computer device, and a computer readable storage medium, which solve the problem that a passbook client in a bank outlet cannot withdraw cash at an ATM at present, and can alleviate counter passenger flow business pressure without additional hardware investment of a bank enterprise.
From the above description of the embodiments, it is clear to those skilled in the art that the present application can be implemented by software plus necessary general hardware platform. Based on such understanding, the technical solutions of the present application may be essentially or partially implemented in the form of software products, which may be stored in a storage medium, such as ROM/RAM, magnetic disk, optical disk, etc., and include instructions for causing a computer system (which may be a personal computer, a server, or a network system, etc.) to execute the methods described in the embodiments or some parts of the embodiments of the present application.
The embodiments in the present specification are described in a progressive manner, and the same and similar parts among the embodiments are referred to each other, and each embodiment focuses on the differences from the other embodiments. In particular, for the system embodiment, since it is substantially similar to the method embodiment, the description is simple, and for the relevant points, reference may be made to the partial description of the method embodiment.
The application is operational with numerous general purpose or special purpose computing system environments or configurations. For example: personal computers, server computers, hand-held or portable systems, tablet-type systems, multiprocessor systems, microprocessor-based systems, set top boxes, programmable consumer electronics systems, network PCs, minicomputers, mainframe computers, distributed computing environments that include any of the above systems or systems, and the like.
The application may be described in the general context of computer-executable instructions, such as program modules, being executed by a computer. Generally, program modules include routines, programs, objects, components, data structures, etc. that perform particular tasks or implement particular abstract data types. The application may also be practiced in distributed computing environments where tasks are performed by remote processing systems that are linked through a communications network. In a distributed computing environment, program modules may be located in both local and remote computer storage media including memory storage systems.
While the present application has been described with examples, those of ordinary skill in the art will appreciate that there are numerous variations and permutations of the present application without departing from the spirit of the application, and it is intended that the appended claims encompass such variations and permutations without departing from the spirit of the application.

Claims (10)

1. A bank self-service equipment assisting device is characterized by comprising a bankbook withdrawal request device, a customer information reading device, a cooperation code acquisition device, a bankbook withdrawal trigger device, a cooperation code reading device and a cash dispensing device;
the bankbook withdrawal request device is used for receiving a withdrawal request sent by a customer through a bankbook;
the customer information reading device is used for reading customer information according to the withdrawal request and sending the customer information to a background server;
the cooperation code acquisition device is used for receiving the assistance code generated by the background server and the effective time of the cooperation code, printing the assistance code on a customer bankbook or displaying the assistance code on a mobile terminal of a customer, wherein the assistance code is a customer identity certificate withdrawn by a bank ATM;
the bankbook withdrawal triggering device is used for receiving an assistance code input by the customer through a bankbook or a mobile terminal, and obtaining withdrawal information input by the customer according to the assistance code, wherein the withdrawal information comprises: the deposit book password, the withdrawal amount, the withdrawal time information and the withdrawal network point;
the cooperation code reading device is used for reading the cooperation code and the withdrawal information and sending the cooperation code and the withdrawal information to the background server;
the cash-out device is used for receiving a cash-out instruction sent by the background server and carrying out cash-out according to the cash-out instruction;
the bankbook withdrawal triggering device, the cooperation code reading device and the cash-dispensing device are arranged on a bank ATM, the bankbook withdrawal requesting device and the customer information reading device are arranged on a bank self-service terminal, and the cooperation code obtaining device is arranged on the bank self-service terminal or the mobile terminal.
2. The bank self-service equipment assisting device according to claim 1, further comprising a cooperative exception handling device for sending transaction failure information to the background server when the banknote telling device fails to tell banknotes, wherein the transaction failure information includes a transaction retrieval number.
3. The self-service device as claimed in claim 2, further comprising a biometric acquisition device for acquiring biometric features of the customer, the biometric features including a fingerprint, an iris, a vein, and a facial photograph.
4. A bank self-help collaboration system, characterized in that the system comprises a background server and a bank self-help device assisting device according to any one of claims 2 to 3;
the bank self-service equipment assisting device is connected with the background server through a network;
the bank self-service equipment assisting device is used for receiving a withdrawal request sent by a customer through a passbook, reading customer information and sending the customer information to the background server;
the background server is used for generating a cooperation code and the effective time of the cooperation code according to the customer information, wherein the cooperation code is a customer identity certificate withdrawn by a bank ATM;
the bank self-service equipment assisting device is also used for receiving the assisting code, printing the assisting code on a customer bankbook or displaying the assisting code on a mobile terminal of a customer, acquiring withdrawal information input by the customer according to the assisting code input by the customer through the bankbook or the mobile terminal, and sending the cooperation code and the withdrawal information to the background server, wherein the withdrawal information comprises a bankbook password, a withdrawal amount, withdrawal time information and a withdrawal network point;
the background server is also used for verifying the cooperation codes and the passbook passwords and outputting a money-telling instruction when the verification is successful;
the bank self-service equipment assisting device is also used for telling bank notes according to the bank note telling instruction;
the bankbook withdrawal triggering device, the cooperation code reading device and the cash-dispensing device are arranged on a bank ATM, the bankbook withdrawal requesting device and the customer information reading device are arranged on a bank self-service terminal, and the cooperation code obtaining device is arranged on the bank self-service terminal or the mobile terminal.
5. The bank self-service collaboration system of claim 4, wherein the collaboration exception handling device is provided at a bank ATM.
6. The bank self-service collaboration system of claim 4, wherein the backend server comprises a passbook withdrawal registration module, a collaboration code generation module, a passbook withdrawal processing module, and a withdrawal accounting processing module;
the bankbook withdrawal registration module is used for storing, registering and updating cooperation information, wherein the cooperation information comprises information such as a bankbook withdrawal cooperation code, a transaction retrieval number, a withdrawal amount, a bankbook account number, a bank self-service terminal code for making a bankbook withdrawal request, a bank ATM number for finally responding to the bankbook withdrawal, bankbook withdrawal application triggering time, bankbook withdrawal response processing time, valid time of the bankbook withdrawal cooperation code and the like;
the bankbook withdrawal processing module is used for receiving the customer information and verifying the customer information;
the cooperation code generation module is used for generating a cooperation code and the effective time of the cooperation code according to the customer information when the passbook withdrawal processing module is verified successfully;
the bankbook withdrawal processing module is further used for receiving a cooperation code and withdrawal information, inquiring the bankbook withdrawal registration module according to the cooperation code so as to verify the cooperation code and the bankbook password, and outputting a money deduction instruction when verification is successful;
and the withdrawal accounting processing module is used for processing the accounting balance of the bankbook according to the money deducting instruction, updating a withdrawal reservation record corresponding to the bankbook withdrawal registration module according to the transaction retrieval number, and outputting a money outputting instruction.
7. The bank self-service cooperative system according to claim 6, wherein the bank self-service equipment assisting device is further configured to send transaction failure information to the background server when cash dispensing fails;
the bankbook withdrawal register module is further used for receiving the transaction failure information, searching for cooperation information according to the transaction failure information, and outputting transaction rollback updating information.
8. A method for bank self-help collaboration by the bank self-help collaboration system of claim 4, comprising:
the bank self-service terminal receives a withdrawal request sent by a customer through a passbook, reads customer information and sends the customer information to a background server;
the background server generates a cooperation code and the effective time of the cooperation code according to the customer information, wherein the assistance code is a customer identity certificate withdrawn by a bank ATM;
the bank self-service terminal receives the assistance code and prints the assistance code on a customer bankbook or displays the assistance code on a mobile terminal of a customer;
the bank ATM acquires withdrawal information input by a customer according to an assistant code input by the customer through a passbook or a mobile terminal, and sends the cooperation code and the withdrawal information to the background server, wherein the withdrawal information comprises a passbook password, a withdrawal amount, withdrawal time information and a withdrawal network point;
the background server verifies the cooperation codes and the passbook passwords, and outputs a money-telling instruction when the verification is successful;
and the bank ATM carries out bank note dispensing according to the bank note dispensing instruction.
9. A computer device, characterized in that the computer device comprises: a processor adapted to implement instructions and a storage device storing a plurality of instructions, the instructions adapted to be loaded by the processor and to perform the method of bank self-help collaboration as claimed in claim 8.
10. A computer-readable storage medium, characterized in that the computer-readable storage medium stores a computer program for executing the method of bank self-help collaboration as recited in claim 8.
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