TW540015B

TW540015B - Multi-functional ATM architecture

Info

Publication number: TW540015B
Application number: TW91109064A
Authority: TW
Inventors: Chuan-Jung Li
Original assignee: Mercuries Data Systems Ltd
Priority date: 2002-05-01
Filing date: 2002-05-01
Publication date: 2003-07-01

Abstract

The present invention provides an ATM architecture in connection with a plurality of related modules at the remote ATM client site, and the related modules corresponding to the plurality of related modules at the system site and loading the default step files to proceed the business of remote unmanned bank in association with the operation of step controller, wherein the default step file is predetermined and stored according to the possible variance of the operating steps. Thus, each operated step can be smoothly directed to a default step content for execution, and completing a series of actions sequentially. The plurality of related modules includes the basic platform module, the message module, the sound module, the image module, the remote communication module. With the modules and step controller, the client can submit the application service to the bank at the remote ATM, such as small amount of credit loan or credit card. The bank can also decide whether to issue or not after the document and image data of the remote client are ready.

Description

540015 五、發明說明α) 發明領域：本發明係有關於一種自動櫃員機架構，特別是有關於一種利用模組化元件，及搭配以步驟控制器為主轴讀取預定步驟内容之步驟檔，以達到自遠端金融業務，特別是例如像開戶、小額信貸或申請***等作業都可以有加裝設備的自動櫃員機完成。發明背景：在電子資訊技術的蓬勃發展的時代裡，不僅人與人之溝通可以透過電子郵件，電話等通訊產品來拉近彼此的距離，更可藉由寬頻網際網路將以數位元元相機或影像掃瞄器傳遞影像而使得遠距的親友彷彿就在身邊。因此過去所說之”天涯若比鄰π，以現在科技技術而言，已達到雖不近亦不遠之地步。此外，利用網際網路購物、申請***，也是時下愈來愈普及之行為。上述科技的進步雖給現代人帶來各種方便性，但，並不代表所有的業務都可以立即享有電子資訊化的便利，例如就貸款即是一例。而銀行將其存款提供客戶借貸卻是其收入之主要來源，因此係最重要的業務之一。以目前的技術而言，客戶一定得在銀行營業時間至營業地點方能辦理。銀行為招攬業務，除了廣設營業據點，延長工作時間外，便是藉助報章媒體，及廣發傳單。而不540015 V. Description of the invention α) Field of the invention: The present invention relates to an automatic teller machine architecture, and in particular to a step file that uses modularized components and reads predetermined step contents with a step controller as the main axis to achieve From the remote financial business, in particular operations such as opening an account, microfinance or applying for a credit card can be completed by an ATM with additional equipment. Background of the Invention: In the era of the booming development of electronic information technology, not only can people communicate with each other through communication products such as e-mail, telephone, etc., but also can use digital cameras to communicate with each other through broadband Internet. Or the image scanner passes the image and makes long distance relatives and friends seem to be around. Therefore, in the past, "the world is closer to π". In terms of current technology, it has reached a point that is not too near or far away. In addition, using the Internet for shopping and applying for credit cards is also becoming more and more popular nowadays. Although the above-mentioned technological advancement brings various conveniences to modern people, it does not mean that all businesses can immediately enjoy the convenience of electronic informatization. For example, loans are an example. Banks provide their deposits to customers to borrow. The main source of income is therefore one of the most important businesses. In terms of current technology, customers must be able to do business during the bank's business hours to the place of business. In order to solicit business, banks have to set up business offices and extend working hours. Is to use newspaper media and GF leaflets.

第4頁 540015 五、發明說明（2) 管是以上的那一種方式，銀行也只能有營業時間苦等客戶上門。除非，有人願意設計便利的程式及程式介面，被銀行所樂於採用提供給客戶線上申請，且也是客戶所樂於接受的方式。而線上申請的前提，必須以客戶及銀行雙方都沒有安全上的顧慮為前提。如此，就相當於銀行提供2 4小時服務。不但可以提供給客戶更好之服務，且銀行也可以增加營業收入。有鑑於此，本發明將提供一種軟體程式設計配合於適當之硬體於自動櫃員機，以方便銀行提供客戶全天候便利服務，客戶可以應用自動櫃員機任何他或她覺得方便或需要的時間下，進行開戶、申請信用貸款與申請***的等業務。發明目的及概述：本發明之目的係提供一種多功能自動櫃員機架構。因此，銀行可以在非營業時間内拓展例如像申請開戶、申請信用貸款及***等金融業務等金融業務。本發明揭露一種可讓客戶自遠端向銀行申請開戶、申請信用貸款及***等金融業務其中之一種之多功能自動Page 4 540015 V. Description of the invention (2) Regardless of the above method, the bank can only have business hours waiting for customers to come. Unless, someone is willing to design convenient programs and program interfaces, which banks are willing to use to provide customers with online applications, and it is also a method that customers are willing to accept. The premise of online application must be based on the premise that neither the client nor the bank has any security concerns. In this way, it is equivalent to the bank providing 24 hours service. Not only can it provide better services to customers, but banks can also increase operating income. In view of this, the present invention will provide a software program design with appropriate hardware for the ATM to facilitate the bank to provide customers with convenient service around the clock. The customer can use the ATM to open an account at any time he or she feels convenient or needed. , Applications for credit loans and credit card applications. Object and Summary of the Invention: The object of the present invention is to provide a multifunctional automatic teller machine architecture. Therefore, banks can expand financial services such as applying for account opening, applying for credit loans and credit cards during non-business hours. The present invention discloses a multifunctional automatic system that allows customers to apply for one of the financial services such as bank account opening, credit loan, and credit card remotely from a bank.

第5頁 540015 五、發明說明（3) 櫃員機架構。至少包含：一自動櫃員機，包含基本平臺模組件，讀卡機、日誌記錄器、訊息模組件，聲音模組件，影像模組件，遠端溝通模組件以提供客戶向銀行進行業務申請，其中基本平臺模組件提供客戶基本按鍵及申請表格，影像模組件，包含攝影機及掃瞄器，分別用以擷取客戶影像及對該申請表格在客戶資料填寫後的掃瞄，而日誌記錄器，訊息模組件係用以反應多功能自動櫃員機之硬體狀況予系統端；類別初始化模組，用以在該自動櫃員機開機後先進行初始化步驟；一步驟預設檔案，内含複數個步驟預設内容，複數個步驟中每一步驟内容係依據基本平臺模組件、訊息模組件，聲音模組件，影像模組件，及遠端溝通模組件，交互作用而可能產生之變化而預先設定遵行步驟；一步驟控制器，則依據客戶所申請之金融業務，而將步驟預設檔案内含之對應步驟依序載入，並利用該遠端溝通模組件與系統端進行溝通，再由系統端回應予客戶而達成業務申請之回應。發明詳細說明：一如發明背景所述，即使電子通訊進步飛快，遠非昔日所能相比擬，然而，銀行和客戶的關係，某些業務，例如銀行之主要收入來源放款與存款之間的利差。而放款業務卻幾乎仍停留於上一世紀前的狀態。Page 5 540015 V. Description of the invention (3) ATM architecture. Contains at least: an automatic teller machine, including a basic platform module, a card reader, a log recorder, a message module, a sound module, a video module, a remote communication module to provide customers with the bank's business Application, in which the basic platform module provides the customer's basic buttons and application form, and the image module includes a camera and a scanner, which are used to capture customer images and scan the application form after filling in customer information, and The log recorder and the message module are used to reflect the hardware status of the multi-function ATM to the system end; the category initialization module is used to perform the initialization steps after the ATM is turned on; one step preset file contains the The preset content of a plurality of steps, the content of each step of the plurality of steps is based on the interaction of the basic platform module, message module, sound module, video module, and remote communication module. Steps are set in advance according to the changes that occur. A step controller, based on the financial business applied by the customer, sets the steps in the preset file. Steps are loaded sequentially, and the remote communication module is used to communicate with the system, and then the system responds to the customer to achieve a response to the business application. Detailed description of the invention: As stated in the background of the invention, even though the rapid progress of electronic communication is far from what it was in the past, however, the relationship between banks and customers, certain businesses, such as the profitability between the bank ’s main source of income and the benefits difference. However, the lending business has remained almost as it was last century.

第6頁 540015 五、發明說明（4) 本發明之第一實施例，因此，將提供給客戶及銀行方便之貸款介面。銀行可藉由本發明之程式設計輕鬆應用於自動櫃員機，其間僅需要增添少許之硬體設備，即可擴充其營業據點，增加將銀行的資金輕鬆貸放出去的機會。另外，本發明之第二實施例，則提供線上申請***。除此之外，對於開戶作業也同樣可以進行。本發明之主要架構，請參考第一圖。包括兩端，一為櫃員機臺端，或稱客戶端1 0 0 0，係客戶和櫃員機的一個介面平臺。另一端則是伺服器端2 0 0 0，係櫃員機和伺服器端的的一個介面平臺。櫃員機端1 0 0 0包含一類別初始化 (c 1 a s s i n i t i a 1 i z e )模組1 0，步驟内容預設檔2 0、步驟控制單元（s t e p c ο n t r ο 1 1 e r ) 3 0，及複數個可以依服務類別不同而調整的模組件4 0。初始化（c 1 a s s i n i t i a 1 i z e )模組1 0係一軟體程式，提供櫃員機操作之初始化設定包含：對變數（v a r 1 a b 1 e )定義，此由變數設定檔案提供設定、及物件名稱定義，此由〇 b j e c t. t X t檔提供，需要產生多少個元件或物件，例如需要多少種表格、按鍵等，並預設記憶體保留空間大小（s 1 z e )，及應動態載入若干物件（由〇b j _ 1 i b . t X t檔提供）1 0 4之的步驟。因此，初始化模組1 0 進行初始化之步驟包括，自變數設定檔（v a i a b 1 e . t X t) 1 0 1 讀取資料以設定變數值；接著，自記憶體保留設定檔 (size, txt)103讀取 TYPE —SIZE及 OBJ —SIZE資料， TYPE_SIZE係用來設定稍後要建立物件陣列的物件種類，Page 6 540015 V. Description of the invention (4) The first embodiment of the present invention will therefore provide a convenient loan interface to customers and banks. Banks can be easily applied to ATMs through the programming of the present invention. In the meantime, only a few hardware devices need to be added to expand their business bases and increase the opportunity for easy lending of bank funds. In addition, the second embodiment of the present invention provides an online credit card application. In addition, the same can be done for account opening operations. For the main structure of the present invention, please refer to the first figure. It includes two ends, one is the terminal of the teller machine, or client 1000, which is an interface platform for the client and the teller machine. The other end is the server end 2000, which is an interface platform between the teller machine and the server end. The ATM terminal 1 0 0 0 contains a category initialization (c 1 assinitia 1 ize) module 1 0, a step content preset file 20, a step control unit (stepc ο ntr ο 1 1 er) 3 0, and a plurality of Modular components 4 0 adjusted for different service categories. The initialization (c 1 assinitia 1 ize) module 1 0 is a software program that provides the initialization settings for the operation of the teller machine. It includes: The definition of the variable (var 1 ab 1 e), which is provided by the variable setting file and the definition of the object name. Provided by 〇bjec t. T X t files, how many components or objects need to be generated, such as how many tables, keys, etc., and the preset memory reserve space size (s 1 ze), and several objects should be dynamically loaded ( Provided by 〇bj _ 1 ib. T X t file) steps of 104. Therefore, the initialization step of the initialization module 10 includes the following: a variable configuration file (vaiab 1 e. T X t) 1 0 1 reads data to set a variable value; then, a configuration file (size, txt) is retained in memory 103 Read TYPE —SIZE and OBJ —SIZE data. TYPE_SIZE is used to set the type of objects to be created later.

第7頁 540015 五、發明說明（5) 而〇BJ_SIZE係對同一物件要建立幾個，以便預留記憶體。緊接著，開始建立物件陣列1 〇 2，並設定每一物件之初值；隨後，自已建立之物件陣列1 0 2清單讀出物件，並指定至物件名稱（OBJ ECT_ NAME)及物件需求個數 (0BJECT_REQ_N0)’並不得重覆；最後是由動態載入物件檔（OBJ _L ib. TXT ) 1 04依物件名稱、物件需求個數預先建立物件實體，進行動態載入動作。而步驟内容預設檔2 0包含複數個步驟預設内容，以提供一連串步驟。所謂一連-步驟係指每一步驟對應於客戶對櫃員機模組件4 0所作動作、櫃員機回應及伺服器端回應、交互影響下所可能產生之變化，預先設計，以便在進行一步驟後能順勢引導至下一步驟。步驟内容預設檔2 0由步驟控制單元3 0依序讀入，並以畫面顯示或語音輔助的方式，引導客戶依據不同之業務，而進行櫃員機所能提供之銀行金融業務功能。主要架構並包含複數個可以依服務類別不同而調整的模組件4 0。模組件4 0多數為硬體機構，其餘小部分為軟體。包含：（1)影像模組件（image )401，包含掃瞄器和小型攝影機，用以掃目苗檔、表格、及對申請者攝影。（2 )讀卡機 4 0 2 a及日誌事件記錄器4 0 2 b。讀卡機可用以讀取客戶當事人本行銀行金融卡或***及其密碼，以提供系統端參考，藉以判斷當事人的信用可靠度。依據本發明之方法對Page 7 540015 V. Description of the invention (5) 〇BJ_SIZE is to create several for the same object in order to reserve memory. Immediately afterwards, start to create an object array 102 and set the initial value of each object. Then, read the objects from the created object array 102 list, and assign them to the object name (OBJ ECT_NAME) and the number of object requirements. (0BJECT_REQ_N0) 'and must not be repeated; the last is to dynamically load the object file (OBJ_L ib. TXT) 1 04 according to the object name, the number of object requirements to create object entities in advance, and perform dynamic loading. The step content preset file 20 includes a plurality of step preset contents to provide a series of steps. The so-called continuous-step means that each step corresponds to the customer's actions on the teller machine module assembly 40, the teller machine response and server-side response, and the changes that may occur under the influence of interaction. It is designed in advance so that after one step, it can follow the trend Proceed to the next step. The step content preset file 20 is read in by the step control unit 30 in sequence, and the screen display or voice assisted method is used to guide customers to perform banking financial functions provided by the ATM according to different businesses. The main architecture also includes a number of modular components 40 that can be adjusted according to different service categories. The mold assembly 40 is mostly a hardware mechanism, and the remaining small parts are software. It includes: (1) an image module 401, which includes a scanner and a small camera to scan the files, forms, and photograph the applicant. (2) Card reader 4 0 2 a and log event recorder 4 0 2 b. The card reader can be used to read the customer's bank financial card or credit card and its password to provide system-side reference to judge the creditworthiness of the parties. The method according to the invention

540015540015

於目前非本銀行客戶也可以提供客戶申請服務，只要客戶能提出他行之金融卡及其密碼亦可進行。而日誌事件記錄，4 0 2 b則用以提供每日事件的備份，同時也可提供銀行人員追縱S錄每天所發生之事件，當然步驟控制器也會將依序已執行之步驟内容傳給遠端的系統。（3 )基本平臺模組件（combase) 403’包含提供多種輪入法選擇、基本按鍵、突出按鍵、申請表格等硬體組件，此外對變數設定檔 1 0 3疋義之，交數’也可以提供布林運算（& 〇〇 1 e a订〇per ion)。（4)重新開機組件 4 0 4，用以由遠端控制各ACM 關機及重新開機。（5 )控制面板模組件4 0 5，用以提供硬體維修燈號資訊，以提供工作人員維修。（β )訊息模组件 (msg) 4 0 6，用以提供ACM各硬體狀態資訊給遠端銀行人員。（7 )聲音模組件（s〇u n d ) 4 0 7，用以在步驟控制器3 〇載入聲音檔時，提供音效，並協助客戶操作自動櫃員機。遠端通信模組件（r e m〇ΐ e W I N ) ( 4 0 8 )，用以透過傳輸協定，例如TCP/IP或WINS0CK利用ACM操作的客戶所產生的資訊傳給遠端的伺服器。以上的各模組件4 0 1 - 4 0 8，係選擇性的。可以依據鎖定之客源對象及預提供之服務性質，而增刪需要的模組件。相對於櫃員機端，伺服器端，也有相似於櫃員機端的步驟控制器3 0 ’及模組件4 0 ’。模組件4 0 ’包含影像模組件 540015 五、發明說明（7) (未圖示），包含攝影機及影像顯示器，用以觀察客戶端的影像。基本平臺模組件（未圖示）包含提供基本按鍵、突出按鍵（3Dbutton)，等，用以回應客戶端傳來的資訊是否予以准許。訊息模組件（未圖示），用以和客戶端終端機回應。遠端通信模組件（未圖示），用以和客戶端資訊互相傳遞。At present, non-bank customers can also provide customer application services, as long as the customer can provide another bank's financial card and password. The log event record, 4 2 b, is used to provide a backup of daily events. At the same time, it can also provide bank personnel to track the events that occur every day. Of course, the step controller will also transmit the content of the steps that have been executed in order. For remote systems. (3) Basic platform module (combase) 403 'includes hardware components that provide multiple wheel selection, basic keys, prominent keys, application forms, etc. In addition, the variable setting file 1 0 3 means, the number of intersections can also be Provides Bollinger operations (& 001 ea order). (4) Restart module 4 0 4 for remotely controlling the shutdown and restart of each ACM. (5) The control panel mold assembly 405 is used to provide hardware maintenance light information to provide staff maintenance. (Β) Message module (msg) 406, which is used to provide the hardware status information of ACM to remote bank personnel. (7) a sound module (soon) 407, which is used to provide a sound effect when the step controller 30 loads a sound file and assist the customer in operating the ATM. The remote communication module (r e m0ΐ e W I N) (408) is used to transmit information generated by the client operating with ACM via a transmission protocol, such as TCP / IP or WINS0CK, to a remote server. Each of the above mold components 4 0 1-4 0 8 is selective. The required modules can be added or deleted according to the locked target customers and the nature of the services provided in advance. Compared with the teller machine side and the server side, there are also step controllers 3 0 ′ and mold assemblies 40 ′ similar to the teller machine side. The module 4 0 ′ includes an image module 540015 5. The invention description (7) (not shown) includes a camera and an image display for observing the image of the client. The basic platform module (not shown) includes providing basic buttons, 3D buttons, etc., in response to whether the information from the client is permitted. The message module (not shown) is used to respond to the client terminal. The remote communication module (not shown) is used to transfer information with the client.

例如以申請信用貸款為例，為防止客戶使用假資料，或長相酷似的人去冒充而進行金融業務，本發明的模組件 4 0中的讀卡機4 0 2 a，即可透過客戶所使用之金融卡或信用卡，以讀取客戶之資料，用以進一步提供銀行人員參考客戶既有的歷史資料。除此之外，由於客戶所使用的是當事人金融卡及密碼，因此將也可以防止爭議弊端的發生。至於非銀行本身客戶也可以藉由讀取他行之金融卡及密碼，而完成遠端之信用交易。對於貸款額度超過銀行所定的額度標準，銀行可以不直接核准，而待上班時間再請客戶至銀行辦理，如此雖然客戶不能當場獲准，至少可以先填寫相關資料，及事前的準備，如此，也可以省下一些上班時間的消耗。For example, taking a credit loan application as an example, in order to prevent customers from using fake information or people who look exactly like them to conduct financial business, the card reader 4 0 2 a in the module module 40 of the present invention can be used by customers. The financial card or credit card is used to read the customer's information and further provide bank personnel to refer to the customer's existing historical data. In addition, because the customer uses the principal's financial card and password, it will also prevent disputes from occurring. As for non-bank customers, they can also complete remote credit transactions by reading other banks' financial cards and passwords. The bank may not directly approve the loan amount exceeding the quota standard set by the bank, and then ask the customer to go to the bank to handle it during working hours. Although the customer cannot be approved on the spot, at least he can fill in the relevant information and prepare in advance. Save some office time.

以下的圖示二A至四C示系統和櫃員機端連線後，客戶選擇貸款時，步驟内容設定檔之部分内容。在圖示之前，首先對步驟設定檔設定内容之步驟語法及格式做以下說明：The following diagrams 2A to 4C show the connection between the system and the teller machine terminal. When the customer selects a loan, part of the step content setting file. Before the illustration, the following explains the step syntax and format of the step configuration file settings:

第10頁 540015 五、發明說明（8) 「物件名稱=# 1，屬性1 =數值 1，屬性2 =數值2，….，動作」；其中「，」係：分隔欄位。物件名稱可能是一物件或關鍵字。典型的關鍵字如：「c s t」、「s t e p」、「 steppath」、「call」、「氺」。:1 建，n f 〇 r m":表格， ” r e m o t e w i η n :遠端通信模組件，n m s gπ :訊息模組件， n s〇u n d M :使用聲音元件。關鍵字「c a 1 1」為遞迴呼叫的一種，「c a 1 1」將使程式中斷而去執行呼叫的程式，執行完畢後後回到原中斷點的下一步驟。Page 10 540015 V. Description of the invention (8) "Object name = # 1, attribute 1 = value 1, attribute 2 = value 2, ...., action"; where "," is: a separated field. The object name may be an object or a keyword. Typical keywords are: "c s t", "s t e p", "steppath", "call", "氺". : 1, nf 〇r m ": table, "remotewi η n: remote communication mode component, nms gπ: message mode component, ns〇und M: use sound components. The keyword" ca 1 1 "is a A type of call back, "ca 1 1" will cause the program to be interrupted to execute the called program. After the execution is completed, it will return to the next step of the original interruption point.

Key=數值」中「Key」：代表關鍵字，如：「cst」、厂 step」、厂 steppath」、厂 call」、厂氺」屬性名稱如「X」：X座標；「y」：y座標；「backcol or」：背景色；動作名稱如「disconnect」：中斷；「hide」：隱藏；「show」：顯示，「clear」：清除，「=」右邊則定義第幾個物件。在第一個"，π後的 π =”左邊則是屬性，「# 1」則代表性質，或位置或動作。因此，依據上述的語法，圖二Α示系統端等待和櫃員機端連線之步驟内容示意圖。而圖二B示，系統及櫃員機端進行初始化的步驟内容示意圖。圖三示當櫃員機端接影像擷取到客戶上門而傳送件信息給系統端的示意圖。圖四 A則示當客戶選擇貸款時，櫃員機端所依序進行之步驟内容示意圖，這個步驟會持續進行至客戶已將徵信同意書放"Key" in "Value": represents keywords, such as: "cst", factory step ", factory steppath", factory call ", factory 氺" attribute names such as "X": X coordinate; "y": y coordinate "Backcol or": background color; action name such as "disconnect": interrupt; "hide": hide; "show": show, "clear": clear, the right side of "=" defines the number of objects. In the first ", π = after π is the attribute to the left, and "# 1" represents the nature, or the position or action. Therefore, according to the above syntax, Fig. 2A shows the schematic diagram of the steps of the system side waiting for connection with the teller machine side. Figure 2B shows a schematic diagram of the initialization steps of the system and the ATM terminal. Figure 3 shows the schematic diagram when the terminal image of the teller machine is captured at the customer's door and the piece of information is transmitted to the system. Figure 4A is a schematic diagram of the steps performed in sequence when the customer chooses a loan. This step will continue until the customer has placed the credit agreement.

540015 五、發明說明（9) 妥才結果。圖四B則示在客戶放妥徵信同意書後，機械手臂開始啟動，以進行掃瞄的一連串動作時之步驟内容示意圖，這個動作會進行至掃目苗完成。圖四C示當掃描結束後，開始進行傳檔給系統端的行員之步驟内容示意圖。當傳檔完畢並顯示出來時沒有問題，即可再進行下一步驟，若傳檔完畢且顯示出來的影像不清楚或不完整時，將通知客戶重新掃瞄，或補填資料，再進行掃描。540015 V. Description of invention (9) The result is correct. Figure 4B shows the steps when the customer releases the letter of consent, and the robot arm starts to perform a series of scanning actions. This action will be carried out until the scanning is completed. Fig. 4C is a schematic diagram showing the content of the steps for starting to transfer files to the system-side crew after the scanning is completed. When the transfer is complete and there are no problems when displayed, you can proceed to the next step. If the transfer is complete and the displayed image is unclear or incomplete, the customer will be notified to rescan or fill in the data and then scan.

以上的實施例内容僅至填寫授信同意書（或徵信同意書）的步驟内容。其他尚有步驟如「掃瞄證件」、「填寫申請書」、「填寫問卷」、「掃描契約書」等流程。當然，依據上述選擇貸款之步驟内容，也可以稍作變更進行比貸款步驟單純之客戶申請開戶步驟。它的步驟更簡單，不過得增加客戶留存印鑑卡之步驟。此時，櫃員機端可以印出印鑑卡給客戶用印，再由櫃員機端的機械手臂收存印鑑卡。The content of the above embodiments is only the content of the steps of filling out the credit agreement (or credit agreement). There are other steps such as “scanning documents”, “filling in the application form”, “filling in the questionnaire”, and “scanning the contract”. Of course, according to the content of the above steps of selecting a loan, you can also change the procedure of applying for an account more simply than the loan step. The steps are simpler, but you have to add the steps for customers to keep seal cards. At this time, the ATM terminal can print the seal card to the customer for printing, and then the robotic arm of the ATM terminal stores the seal card.

本發明的優點： 1 .由於對銀行既有之客戶進行線上申請開戶、*** 申請及信用貸款等任何一項金融業務時，不但對客戶進行錄影存證，且客戶證件，且填寫後的申請書、印鑑卡都會經由掃瞄器掃瞄存底驗證，因此可以把交易風險降至最Advantages of the present invention: 1. When any existing financial services such as online application for account opening, credit card application, and credit loan are performed for existing customers of the bank, not only the video recording of the customer, but also the customer certificate and the completed application form Scanners and seal cards will be scanned and verified by the scanner, so the transaction risk can be minimized.

第12頁 540015 五、發明說明（ίο) 低。且，依據本發明的方法，對於本行既定客戶，由於已申使用了金融卡及通關密碼，因此，銀行可以進一步防止冒貸或冒用情事，對於額度超過一定額者，客戶可把相關資料填寫後留存建檔，而在銀行作業時間時，在予作核款或核卡作業，如此可以縮短交易時間。 2 .對銀行既有之客戶不需要在銀行上班時間（也是大部分上班族客戶上班時間）下進行，因此，客戶可以不用請假，就可進行金融業務。Page 12 540015 V. Description of the Invention (ίο) Low. Moreover, according to the method of the present invention, since the bank has applied for the use of financial cards and customs clearance codes for established customers of the Bank, the bank can further prevent counterfeiting or fraudulent use. For those exceeding a certain amount, the customer can send relevant information After filling in, keep the file, and when the bank is working, check the payment or card, which can shorten the transaction time. 2. Existing customers of banks do not need to work during the bank's working hours (also the working hours of most office workers' customers). Therefore, customers can conduct financial services without taking leave.

以上所述僅為本發明之較佳實施例而已，並非用以限定本發明之申請專利範圍；凡其他未脫離本發明所揭示之精神下所完成之等效改變或修飾，均應包含在下述之申請專利範圍内。The above is only a preferred embodiment of the present invention, and is not intended to limit the scope of patent application of the present invention; all other equivalent changes or modifications made without departing from the spirit disclosed by the present invention should be included in the following Within the scope of patent application.

第13頁 540015 圖式防單說明本發明的較佳實施例將於往後之說明文字中辅以下列圖形做更詳細的闡述：圖一示依據本發明之多功能櫃員機架構的示意圖。圖二 A示系統端等待和櫃員機端連接之步驟内容示意圖 0 圖二 B示系統及櫃員機端進行初始化的步驟内容示意圖 0 圖二示田櫃員機端接影像擷取到客戶上門而傳送件信息給系統端的示意圖〇圖四 A示當客戶選擇貸款時櫃員機端所依序進行之步驟内容示意圖，這個步驟會持續進行至客戶已將徵信同意書放妥才結果。圖四 B示在客戶放妥徵信同意書後，機械手臂開始啟動 > 掃目苗的一連串動作時之步驟内容示意圖，這個動作會進行至掃 3田完成。圖四 0不當掃描結束後，開始進行傳檔給系統端的行員之步驟内容示意圖〇圖號對昭表：類別初始化模組 1 0、 10’ 步驟内容預設檔 20、 20 步驟控制口 σ 早元 3 0、 30’ 模組件 40、 40 變數 0 variable) 10 1 物件名稱 1 ( 32、 102Page 13 540015 Schematic description of the bill prevention method The preferred embodiment of the present invention will be described in more detail in the following explanatory text with the following figures: Figure 1 shows a schematic diagram of a multi-function teller machine architecture according to the present invention. Figure 2A shows the steps of the system waiting for connection with the teller machine. 0 Figure 2B shows the steps of the system and the teller machine. Schematic diagram of the terminal. Figure 4A shows the schematic diagram of the sequence of steps performed by the ATM terminal when the customer chooses a loan. This step will continue until the customer has put the credit agreement in place. Figure 4B shows the steps of a series of actions when the robot starts to start > scan the seedlings after the customer has placed the letter of consent. This action will be performed until the scan of the three fields is completed. Figure 40 Schematic diagram of the steps to start transferring files to the system staff after the improper scanning is finished. 0 The numbers are shown in the table: Category initialization module 1 0, 10 'Step content preset file 20, 20 Step control port σ early element 3 0, 30 'module 40, 40 variable 0 variable) 10 1 object name 1 (32, 102

第14頁 540015Page 540015

第15頁圖式簡單說明記憶體保留空間大小 (size) 103、 103’ 應動態載入物件 (由 o b j _ 1 i b . t x t檔提供 )1 04、 104’ 影像模組件 (] image) 401 > 讀卡機 4 0 2 a 臼言电、事件記錄器 4 0 2 b 基本平臺模組件 (C 0 mba s e) 403 重新開機組件 404 控制面板模組件40 5 訊息模組件 (msg) 406 遠端通信模組件 (re mote WIN) 408 聲音模組件 407The diagram on page 15 briefly explains the memory reserved space size (size) 103, 103 'Objects should be dynamically loaded (provided by obj _ 1 ib. Txt file) 1 04, 104' Image module () image) 401 > Card reader 4 0 2 a power electronics, event recorder 4 0 2 b basic platform module (C 0 mba se) 403 restart module 404 control panel module 40 5 message module (msg) 406 Remote communication module (remote WIN) 408 Sound module 407

Claims

540015 六、申請專利範圍 1. 一種提供遠端客戶向銀行申請金融業務之多功能自動櫃員機架構，至少包含：一自動櫃員機，包含基本平臺模組件，讀卡機、日言志、記錄器、訊息模組件’聲音核組件’影像权組件’遠端溝通模組件以提供客戶進行銀行業務申請；一步驟預設檔案，内含複數個步驟預設内容，該複數個步驟中每一步驟内容係依據該基本平臺模組件、該訊息模組件，該聲音模組件，該影像模組件，及該遠端溝通模組件，交互作用而可能產生之變化而預先設定遵行内容；一步驟控制器，該步驟控制器依據客戶所申請之銀行業務，而將步驟預設檔案内含之對應步驟依序載入，並利用該遠端溝通模組件與系統端進行溝通，再由系統端回應予客戶而達成業務申請之回應；及一類別初始化模組，係一軟體程式用以在該自動櫃員機開機後先對該基本平臺模組件，該讀卡機、該日誌記錄、該訊息模組件5該聋音权組件’該影像模組件’該遠端溝通模組件等物件進行資料初始化，以及預留記憶體以供該步驟控制器讀取步驟預設檔案，以進行相對應金融業務。 2 .如申請專利範圍第1項之多功能自動櫃員機架構，其中上述之銀行業務申請至少包含信用貸款申請、***申請、及開戶申請其中之一種。540015 VI. Scope of patent application 1. A multifunctional automatic teller machine architecture that provides remote customers with financial services from banks, at least: An automatic teller machine, including the basic platform module, card reader, Japanese language, recorder, Message module “Sound core module” Image right module “Remote communication module” to provide customers with banking applications; One-step preset file contains preset contents of multiple steps, each step of the multiple steps The content is based on the basic platform module, the message module, the audio module, the video module, and the remote communication module. A step controller, which loads the corresponding steps contained in the step preset file in order according to the banking application applied by the customer, and uses the remote communication module component to communicate with the system end, and then The system end responds to the customer to complete the business application response; and a class initialization module is a software program used after the ATM is turned on Initialize data for the basic platform module, the card reader, the log record, the message module 5 the deaf sound module 'the image module', the remote communication module, and other objects. The memory is reserved for the step controller to read the step preset file for corresponding financial operations. 2. If the multifunctional ATM structure of the first patent application scope, wherein the above-mentioned banking application includes at least one of a credit loan application, a credit card application, and an account opening application.

540015 六、申請專利範圍 3. 如申請專利範圍第1項之多功能自動櫃員機架構，其中上述之影像模組件至少包含數位攝影機、及掃瞄器，其中該數位攝影機用以擷取客戶之影像資料，該掃瞄器可用以將客戶已填寫之申請表格及身份資料以該掃瞄器掃瞄，並受該步驟控制器操控，而即時利用該遠端溝通模組件傳送至系統端。 4. 如申請專利範圍第1項之多功能自動櫃員機架構，其中上述之基本平臺模組件至少包含提供銀行業務申請表格、複數種輸入法選擇功能、基本按鍵、基本凸起按鍵及布林操作鍵以提供客戶操作。 5 .如申請專利範圍第1項之多功能自動櫃員機架構，其中上述之自動櫃員機更包含櫃員機重新啟動模組，以提供系統端對該遠端自動櫃員機進行重新啟動動作。 6. 如申請專利範圍第1項之多功能自動櫃員機架構，其中上述之聲音模組件係用以協助客戶進行銀行業務申請之操作，以使該步驟控制器，順利進行該步驟預設檔案所預定之步驟。 7. 如申請專利範圍第1項之之多功能自動櫃員機架構，其中上述之訊息模組件係用以反應該多功能自動櫃員機之硬體狀況予該系統端，並受該步驟控制器操控，而利用該遠540015 6. Scope of patent application 3. For example, the multifunctional automatic teller machine structure of the first patent application scope, wherein the above-mentioned image module includes at least a digital camera and a scanner, wherein the digital camera is used to capture the customer's image Data, the scanner can be used to scan the application form and identity information that the customer has filled in with the scanner, and is controlled by the controller in this step, and the remote communication module is used to transmit to the system in real time. 4. For the multi-function ATM structure of the first patent application scope, the above-mentioned basic platform module includes at least providing a bank application form, multiple input method selection functions, basic keys, basic raised keys, and Bollinger operations. Key to provide customer action. 5. If the multifunctional automatic teller machine architecture of item 1 of the patent application scope, wherein the automatic teller machine mentioned above further includes a teller machine restart module to provide the system end to restart the remote automatic teller machine. 6. For the multifunctional automatic teller machine architecture of the scope of patent application, the above-mentioned sound module is used to assist customers in the operation of bank application, so that the step controller can smoothly carry out the preset file of the step. Scheduled steps. 7. If the multifunctional ATM structure of the first patent application scope, wherein the above-mentioned message module is used to reflect the hardware status of the multifunctional ATM to the system end, and is controlled by the step controller, While using that far

540015 六、申請專利範圍端溝通模組件傳送至系統端。 8. 如申請專利範圍第1項之多功能自動櫃員機架構，其中上述之日誌記錄器係用以記錄當日之業務狀態，以提供備份參考及銀行人貝追縱每日之事件。 9. 如申請專利範圍第1項之多功能自動櫃員機架構，其中上述之讀卡機，係用以提供該系統端既有之客戶使用，如此系統端可以根據該客戶歷史資料，評估核准發卡、或核准貸款與否的參考。 1 0.如申請專利範圍第1項之多功能自動櫃員機架構，其中上述之初始化，至少包含以下步驟：自變數設定檔讀取資料以設定變數值；自記憶體保留設定檔讀取資料以對物件種類及對物件陣列預留記憶體；建立物件陣列，並設定每一物件之初值；由物件檔清單讀出物件，並指定物件名稱及物件需求個數；及建立物件實體.，依物件名稱、物件需求個數建立物件實體。 11. 一種可提供客戶自遠端向銀行申請開戶、申請信用貸款及***其中之一種之多功能自動櫃員機架構，至少包540015 6. Scope of patent application The communication module at the end is transmitted to the system. 8. For the multifunctional automatic teller machine architecture in the scope of patent application, the above-mentioned log recorder is used to record the business status of the day, to provide backup reference and bankers to chase daily events. 9. For the multi-functional automatic teller machine architecture in the scope of the patent application, the above-mentioned card reader is used to provide existing customers on the system side, so the system can evaluate and issue cards based on the historical data of the customer. Or approve the loan or not. 10. If the multifunctional automatic teller machine structure of item 1 of the scope of patent application, the above-mentioned initialization, at least includes the following steps: read the data from the variable configuration file to set the variable value; keep the data from the configuration file to read the data from the memory. Object types and reserved memory for object arrays; create object arrays and set initial values for each object; read objects from the object file list, specify object names and number of object requirements; and create object entities. Name, number of objects required to create the object entity. 11. A multifunctional automatic teller machine architecture that can provide customers with one of remote bank application for account opening, credit loan and credit card at least

第18頁 540015 六、申請專利範圍含：一自動櫃員機，包含基本平臺模組件，讀卡機、日言忘記錄器、櫃員機重新啟動模組、訊息模組件，聲音模組件，影像模組件，遠端溝通模組件以提供客戶向銀行進行業務申請，其中該基本平臺模組件提供客戶基本按鍵及申請表格，該影像模組件，包含攝影機及掃目苗器，分別用以擷取客戶影像及對該申請表格在客戶資料填寫後的掃瞄，該訊息模組件係用以反應該多功能自動櫃員機之硬體狀況予該系統端，該櫃員機重新啟動模組，用以提供系統端對該遠端自動櫃員機進行重新啟動動作，該讀卡機，係用以提供該系統端既有之客戶使用，如此系統端可以根據該客戶歷史資料，評估核准發卡、或核准貸款與否的參考；一步驟預設檔案，内含複數個步驟預設内容，該複數個步驟中每一步驟内容係依據該基本平臺模組件、該訊息模組件，該聲音模組件，該影像模組件，及該遠端溝通模組件，交互作用而可能產生之變化而預先設定遵行内容；一步驟控制器，該步驟控制器依據客戶所申請之銀行業務，而將步驟預設檔案内含之對應步驟依序載入，並利用該遠端溝通模組件與系統端進行溝通，再由系統端回應予客戶而達成業務申請之回應；一類別初始化模組，用以在該自動櫃員機開機後先對該基本平臺模組件，該讀卡機、該日誌記錄器、該訊息模組件，該聲音模組件，該影像模組件，該遠端溝通模組件等物件進行資料初始化，以及預留記憶體以供該步驟控制Page 18 540015 6. The scope of the patent application includes: An automatic teller machine, including a basic platform module, a card reader, a Japanese forgotten recorder, a teller machine restart module, a message module, a sound module, and an image module. Components, remote communication module components to provide customers with business applications to the bank, where the basic platform module components provide customers with basic buttons and application forms, the image module components, including cameras and sweeping devices, are used to Capture the customer image and scan the application form after the customer data is filled in. The message module is used to reflect the hardware status of the multi-function automatic teller machine to the system end. The teller machine restarts the module to Provide the system end to restart the remote ATM. The card reader is used to provide existing customers of the system end. In this way, the system end can evaluate the approved card issuance, or the approval of loans and loans based on the historical data of the customer. No reference; a step preset file, which contains a plurality of step preset contents, each step of the plurality of steps is based on the basic The platform module, the message module, the sound module, the video module, and the remote communication module interact with each other to change the content and set the compliance content in advance; a step controller, The step controller loads the corresponding steps contained in the step preset file in sequence according to the banking application applied by the customer, and uses the remote communication module component to communicate with the system side, and then the system side responds to the customer The response to the business application was reached; a type of initialization module for the basic platform module, the card reader, the log recorder, the message module, and the sound module after the automatic teller machine was turned on. Software, the image module, the remote communication module and other objects to initialize the data, and reserve memory for this step control

第19頁 540015 六、申請專利範圍器讀取步驟預設檔案，以進行相對應金融業務。 1 2 .如申請專利範圍第1 1項之多功能自動櫃員機架構，其中上述之初始化，至少包含以下步驟：自變數設定檔讀取資料以設定變數值；自記憶體保留設定檔讀取資料以對物件種類及對物件陣列預留記憶體；建立物件陣列，並設定每一物件之初值；Page 19 540015 VI. Patent application scope Preset files for reading steps for corresponding financial business. 1 2. If the multifunctional ATM structure of item 11 of the scope of patent application, the above-mentioned initialization, at least includes the following steps: read the data from the variable configuration file to set the variable value; keep the data from the configuration file to read the data from the memory to Reserve memory for object types and object arrays; create object arrays and set initial values for each object;

由物件檔清單讀出物件，並指定物件名稱及物件需求個數；及建立物件實體，依物件名稱、物件需求個數建立物件實體。Read the objects from the object file list, and specify the object names and the number of object requirements; and Create object entities, and create object entities based on the object name and number of object requirements.

第20頁Page 20