TWM634164U - Contactless financial business processing system - Google Patents

Abstract

一種非接觸式金融業務處理系統，係透過訊號連接銀行伺服器與行員裝置之臨櫃主機，以提供客戶進行業務申辦服務中之申辦資料的存取，且臨櫃主機包括：處理器；顯示器，用於提供業務申辦服務之申辦畫面；攝像裝置，用於掃描客戶之臉部影像來進行客戶的身分驗證；輸入裝置，用於接收申辦資料，並提供客戶進行身分驗證；輸出裝置，用於輸出業務申辦服務之申辦資料；以及多個子櫃，用於提供客戶進行取件服務或送件服務。 A non-contact financial business processing system, which connects the bank server and the counter host of the bank staff device through signals, so as to provide customers with access to the application data in the business bidding service, and the counter host includes: a processor; a display, The bidding screen used to provide business bidding services; the camera device is used to scan the customer's face image to verify the identity of the customer; the input device is used to receive the bidding information and provide the customer for identity verification; the output device is used to output Bidding materials for business bidding services; and multiple sub-cabinets for providing customers with pick-up or delivery services.

Description

非接觸式金融業務處理系統 Contactless financial business processing system

一種非接觸式金融業務處理系統，特別是一種能適用於各式不同種類之銀行申辦業務的非接觸式金融業務處理系統。 A non-contact financial business processing system, especially a non-contact financial business processing system applicable to various types of bank bid business.

傳統的銀行業務辦理，通常需要客戶於特定時間前往金融機構後，抽取號碼牌並等待櫃員一步步進行處理，雖然具有可隨時與櫃員溝通的優點，然而若是現場人數眾多，將會花費許多時間進行等待。此外，部分客戶由於工作型態的緣故，將難以配合銀行時間前往辦理業務，若是遇到重要的業務辦理，可能還必須額外請假，具有諸多不便。 Traditional banking operations usually require customers to go to the financial institution at a specific time, draw a number plate and wait for the teller to process step by step. Although it has the advantage of being able to communicate with the teller at any time, it will take a lot of time if there are many people on site. wait. In addition, due to the type of work, some customers will find it difficult to go to the bank to handle business in accordance with the bank's time. If they encounter important business, they may have to ask for extra leave, which is very inconvenient.

而隨著新冠肺炎的發展，許多銀行業務的無紙化、電子化辦理，或者是網路銀行的發展，已然成為當今趨勢。此類型的業務辦理雖然具有達到非接觸、降低染疫機率的優點，但由於各業務所需資料可能為上傳所需檢附資料的影像後，再由銀行端排程進行處理，客戶並無法得知欲申辦之業務需要耗費多久時間才會完成，且客戶檢附的影像資料可能具有品質不一致的情形，但由於無法即時驗證，若日後需要補件，又需要客戶重新上傳或寄送紙本文件。 With the development of the new crown pneumonia, the paperless and electronic processing of many banking services, or the development of online banking, has become the current trend. Although this type of business processing has the advantages of achieving non-contact and reducing the chance of infection, the customer cannot obtain the information required by each business after uploading the image of the required attached information and then scheduling it by the bank. Know how long it will take to complete the business you want to bid for, and the image data attached by the customer may have inconsistent quality, but because it cannot be verified immediately, if a supplement is needed in the future, the customer needs to re-upload or send the paper document .

因此，如何發展出一種同時能維持非接觸式的業務辦理作業，又能夠即時驗證、提升作業效率的非接觸式金融業務處理系統，成為一個重要的議題。 Therefore, how to develop a non-contact financial business processing system that can maintain non-contact business processing operations, and can instantly verify and improve operational efficiency has become an important issue.

本新型的目的在於提供一種非接觸式金融業務處理系統，係透過訊號連接銀行伺服器與行員裝置之臨櫃主機以提供客戶進行業務申辦服務中之申辦資料的存取，且臨櫃主機包括：處理器；顯示器，用於提供業務申辦服務之申辦畫面；攝像裝置，用於掃描客戶之臉部影像來進行客戶的身分驗證；輸入裝置，用於接收申辦資料，並提供客戶進行身分驗證；輸出裝置，用於輸出業務申辦服務之申辦資料；以及多個子櫃，用於提供客戶進行取件服務或送件服務。 The purpose of this new model is to provide a non-contact financial business processing system, which connects the bank server and the counter host of the bank staff device through signals to provide customers with access to the application data in the business bidding service, and the counter host includes: Processor; display, used to provide the bidding screen of business bidding services; camera device, used to scan the face image of the customer to verify the identity of the customer; input device, used to receive the bidding data and provide the customer with identity verification; output The device is used to output the bidding data of the business bidding service; and a plurality of sub-cabinets are used to provide customers with pick-up service or delivery service.

可選地，上述輸入裝置更包括掃描器，訊號連接處理器，用於提供客戶掃描條碼、申辦資料或其組合，並存取條碼或申辦資料所包含之內容。 Optionally, the above-mentioned input device further includes a scanner, which is signal-connected to the processor, and is used for allowing the customer to scan the barcode, the application data or a combination thereof, and access the content contained in the barcode or the application data.

可選地，上述輸入裝置更包括晶片讀取器，訊號連接處理器，用於讀取晶片卡。 Optionally, the above-mentioned input device further includes a chip reader, which is signally connected to the processor and used for reading the chip card.

可選地，上述輸入裝置更包括磁條讀取器，訊號連接處理器，用於讀取磁條卡、存摺或其組合。 Optionally, the above input device further includes a magnetic stripe reader, signally connected to the processor, for reading magnetic stripe cards, passbooks or combinations thereof.

可選地，上述輸入裝置更包括一鍵盤，訊號連接處理器，提供客戶輸入取件號、密碼或其組合。 Optionally, the above-mentioned input device further includes a keyboard, which is signal-connected to the processor, and allows the customer to input the pick-up number, password or a combination thereof.

可選地，上述顯示器與攝像裝置更用於提供客戶與行員裝置進行視訊服務。 Optionally, the above-mentioned display and camera devices are further used to provide video services for clients and passengers.

可選地，上述銀行伺服器更包括提醒模組，當申辦資料之作業流程完成，且上述申辦資料已置入子櫃，上述提醒模組向客戶之裝置發送提醒通知。 Optionally, the above-mentioned bank server further includes a reminder module. When the operation process of the application data is completed and the above-mentioned application data has been stored in the sub-cabinet, the above-mentioned reminder module sends a reminder notification to the customer's device.

可選地，上述提醒通知具有取件號、密碼或其組合，當客戶於輸入裝置輸入取件號或密碼，具有上述申辦資料的子櫃開啟，使該客戶進行該取件服務。 Optionally, the above-mentioned reminder notification has a pickup number, a password or a combination thereof. When the customer inputs the pickup number or password on the input device, the sub-cabinet with the above-mentioned application information will be opened, allowing the customer to perform the pickup service.

可選地，上述銀行伺服器儲存客戶留存之簽章資料，以提供客戶進行身分驗證。 Optionally, the above-mentioned bank server stores the signature information retained by the customer to provide the customer with identity verification.

可選地，上述輸入裝置更包括手寫板，訊號連接該處理器，提供該客戶輸入簽名，且該簽名用於身分驗證。 Optionally, the above-mentioned input device further includes a handwriting tablet, which is signally connected to the processor, and provides the customer with a signature input, and the signature is used for identity verification.

綜上所述，本新型的非接觸式金融業務處理系統具有以下功效：(1)可解決客戶無法配合金融機構之營業時間進行臨櫃辦理業務的問題；(2)可以很大程度地降低人與人之間的接觸，具有提升公共安全衛生之效果；(3)根據業務種類的安全等級，採用不同種類之驗證程序，以兼顧各式業務辦理時的效率及安全性。 To sum up, the new non-contact financial business processing system has the following functions: (1) It can solve the problem that customers cannot cooperate with the business hours of financial institutions to handle business at the counter; (2) It can greatly reduce the number of staff The contact between people has the effect of improving public safety and hygiene; (3) According to the security level of the business type, different types of verification procedures are adopted to take into account the efficiency and safety of various business operations.

1:非接觸式金融業務處理系統 1: Contactless financial business processing system

10:臨櫃主機 10: Pro cabinet host

110:顯示器 110: Display

120:攝像裝置 120: camera device

130:輸入裝置 130: input device

131:掃描器 131: Scanner

132:晶片讀取器 132: Chip reader

133:磁條讀取器 133: Magnetic Stripe Reader

134:手寫板 134:Writing board

135:鍵盤 135: keyboard

140:輸出裝置 140: output device

150:處理器 150: Processor

210:子櫃 210: sub cabinet

3:客戶 3: Customer

4:行員裝置 4: Crew device

5:銀行伺服器 5: Bank server

510:提醒模組 510: reminder module

提供的附圖用以使本新型所屬技術領域具有通常知識者可以進一步理解本發明，並且被併入與構成本新型之說明書的一部分。附圖示出了本新型的示範實施例，並且用以與本新型之說明書一起用於解釋本發明的原理。以下為本新型各圖的簡單說明： The accompanying drawings are provided to enable those having ordinary knowledge in the technical field of the present invention to further understand the present invention, and are incorporated into and constitute a part of the description of the present invention. The drawings illustrate exemplary embodiments of the invention and together with the description serve to explain the principles of the invention. The following is a brief description of each figure of the present invention:

圖1為依據本新型一實施例之非接觸式金融業務處理系統的各部件構造圖。 FIG. 1 is a structural diagram of components of a contactless financial business processing system according to an embodiment of the present invention.

圖2為依據本新型一實施例之非接觸式金融業務處理系統之臨櫃主機各部件配置圖。 Fig. 2 is a configuration diagram of various components of the host computer of the non-contact financial business processing system according to an embodiment of the present invention.

圖3為依據本新型一實施例之非接觸式金融業務處理系統的功能方塊圖。 FIG. 3 is a functional block diagram of a contactless financial business processing system according to an embodiment of the present invention.

圖4為依據本新型一實施例之非接觸式金融業務處理系統的作業流程圖。 FIG. 4 is a flow chart of the operation of the contactless financial business processing system according to an embodiment of the present invention.

下面將結合本新型實施例中的圖式，對本新型實施例中的技術方案進行清楚、完整地描述，顯然，所描述的實施例僅僅是本新型的一部分實施例，而不是全部的實施例。基於本新型中的實施例，本領域通常技術人員在沒有做出進步性貢獻前提下所獲得的所有其他實施例，都屬於本新型保護的範圍。 The technical solutions in the embodiments of the present invention will be clearly and completely described below in conjunction with the drawings in the embodiments of the present invention. Obviously, the described embodiments are only part of the embodiments of the present invention, not all of them. Based on the embodiments of the present invention, all other embodiments obtained by those skilled in the art without making progressive contributions all belong to the scope of protection of the present invention.

有鑑於先前技術的問題，本新型提供一種非接觸式金融業務處理系統。首先請同時參閱圖1與圖3，圖1為依據本新型一實施例之非接觸式金融業務處理系統的各部件構造圖，圖3為依據本新型一實施例之非接觸式金融業務處理系統的功能方塊圖。上述非接觸式金融業務處理系統1，係透過訊號連接銀行伺服器5與行員裝置4之臨櫃主機10，以提供客戶3進行業務申辦服務中之申辦資料的存取，且上述臨櫃主機10包括：處理器150、顯示器110、攝像裝置120、輸入裝置130以及輸出裝置140；多個子櫃210，用於提供客戶3進行取件服務或是送件服務。 In view of the problems of the prior art, the present invention provides a non-contact financial business processing system. First, please refer to Fig. 1 and Fig. 3 at the same time. Fig. 1 is a structural diagram of various components of a non-contact financial business processing system according to an embodiment of the present invention, and Fig. 3 is a non-contact financial business processing system according to an embodiment of the present invention functional block diagram. The above-mentioned non-contact financial business processing system 1 connects the bank server 5 and the counter host 10 of the banker device 4 through signals, so as to provide the customer 3 with access to the application data in the business bid service, and the above-mentioned counter host 10 It includes: a processor 150, a display 110, a camera 120, an input device 130, and an output device 140; a plurality of sub-cabinets 210 are used to provide customers 3 with pick-up service or delivery service.

承上所述，顯示器110訊號連接處理器150，用於提供業務申辦服務之申辦畫面；攝像裝置120訊號連接處理器150，用於掃描客戶3之臉部影像來 進行客戶3的身分驗證；輸入裝置130訊號連接處理器150，用於接收申辦資料，並提供客戶3進行身分驗證；輸出裝置140訊號連接處理器150，用於輸出業務申辦服務所需之申辦資料。 As mentioned above, the signal of the display 110 is connected to the processor 150, which is used to provide the bidding screen of the business bidding service; the signal of the camera device 120 is connected to the processor 150, and is used to scan the facial image of the customer 3 to Carry out the identity verification of the customer 3; the input device 130 is signal-connected to the processor 150 for receiving the bid information and providing the customer 3 for identity verification; the output device 140 is signal-connected to the processor 150 for outputting the bid data required for the business bid service .

可想而知的是，顯示器110會根據業務申辦服務的種類，例如存摺更換、***費的繳納、***的辦理等，而顯示不同的申辦畫面以讓客戶3能依照申辦畫面一步步進行業務申辦服務。 It is conceivable that the display 110 will display different bidding screens according to the types of business bidding services, such as passbook replacement, credit card fee payment, credit card processing, etc., so that the customer 3 can follow the bidding screen step by step to carry out business bidding Serve.

接著，進一步參照圖2，圖2為依據本新型一實施例之非接觸式金融業務處理系統之臨櫃主機各部件配置圖。輸入裝置130更包括：掃描器131、晶片讀取器132、磁條讀取器133、手寫板134、鍵盤135或其組合。也就是說，上述輸入裝置130可以只包括掃描器131、晶片讀取器132、磁條讀取器133、手寫板134、鍵盤135中的其中幾項，且本新型不以此為限，其他具有相同功能的輸入裝置130，例如感應裝置(用於讀取具感應功能之卡片或裝置)、指紋辨識裝置(用於讀取客戶3的指紋特徵)，也可應用在本新型的非接觸式金融業務處理系統。 Next, further refer to FIG. 2 . FIG. 2 is a configuration diagram of various components of the host computer of the non-contact financial business processing system according to an embodiment of the present invention. The input device 130 further includes: a scanner 131 , a chip reader 132 , a magnetic stripe reader 133 , a tablet 134 , a keyboard 135 or a combination thereof. That is to say, the above-mentioned input device 130 may only include several items in the scanner 131, the chip reader 132, the magnetic stripe reader 133, the tablet 134, and the keyboard 135, and the present invention is not limited thereto, other An input device 130 with the same function, such as a sensing device (for reading a card or device with a sensing function), a fingerprint recognition device (for reading the fingerprint characteristics of the customer 3), can also be applied to the non-contact type of the present invention. Financial business processing system.

其中，上述掃描器131訊號連接處理器150，用於提供上述客戶3掃描識別碼、申辦資料或其組合，並存取識別碼或申辦資料所包含之內容。 Wherein, the above-mentioned scanner 131 is signal-connected to the processor 150, and is used to provide the above-mentioned client 3 to scan the identification code, the bid information or a combination thereof, and access the content contained in the identification code or the bid information.

舉例來說，上述識別碼可以例如是條碼，像是一維條碼或二維條碼，實施方式可以為：(1)客戶3的裝置(例如手機)上所儲存的QR code或是線性的條碼(barcode)，當客戶3利用掃描器131掃描條碼後，顯示器110便會顯示客戶3的申辦資料；(2)客戶3掃描已先行列印出的紙本申辦資料，經由掃描器131掃描後讀取紙本申辦資料的內容，並根據內容進行業務申辦 服務；(3)掃描紙本申辦資料上具有的條碼(例如繳款碼)後於顯示器110顯示對應的業務申辦服務之申辦畫面；(4)掃描客戶3的身分證上的一維條碼以進行身分驗證(但本新型不以此為限)。 For example, the above-mentioned identification code can be a barcode, such as a one-dimensional barcode or a two-dimensional barcode, and the implementation method can be: (1) QR code or linear barcode ( barcode), when customer 3 uses the scanner 131 to scan the barcode, the display 110 will display the application information of customer 3; (2) customer 3 scans the paper application information that has been printed in advance, and reads it after scanning by the scanner 131 The content of the paper application materials, and conduct business application based on the content service; (3) scan the barcode (such as the payment code) on the paper application materials and display the application screen of the corresponding business application service on the display 110; (4) scan the one-dimensional barcode on the ID card of the customer 3 to perform Identity verification (but this model is not limited to this).

再者，另一個實施方式中，客戶3可以先於顯示器110上直接選擇所需進行之業務申辦服務的種類，使其顯示對應的申辦畫面，或者客戶3在利用掃描器131掃描條碼、申辦資料或其組合後，由處理器150自動辨識對應的業務申辦服務並顯示對應的申辦畫面。較佳的為客戶3可以先於顯示器110上進行選擇。 Moreover, in another embodiment, the customer 3 can directly select the type of business bidding service to be performed on the display 110, so that the corresponding bidding screen is displayed, or the customer 3 can use the scanner 131 to scan barcodes and bidding documents. After or a combination thereof, the processor 150 automatically identifies the corresponding business bidding service and displays the corresponding bidding screen. Preferably, the customer 3 can make a selection on the display 110 in advance.

接著，上述晶片讀取器132訊號連接處理器150，用於讀取晶片卡，以進行身分驗證，上述晶片卡可以是客戶3的晶片金融卡或客戶3的身分證件(例如健保卡)。再者，上述晶片卡除了用來進行身分驗證以外，假設所進行的業務申辦服務需要進行繳款，也可以使用晶片卡進行繳款。 Next, the chip reader 132 is signal-connected to the processor 150 for reading the chip card for identity verification. The chip card can be the chip financial card of the customer 3 or the identity certificate (such as a health insurance card) of the customer 3 . Furthermore, in addition to the above-mentioned chip card being used for identity verification, assuming that the business bidding service needs to be paid, the chip card can also be used for payment.

接著，上述磁條讀取器133訊號連接處理器150，用於讀取磁條卡、存摺或其組合。舉例來說，若是客戶3只有磁條金融卡，或者需要進行將磁條金融卡更換成晶片金融卡、將舊存摺更換成新存摺的業務申辦服務，就可以利用磁條讀取器133進行身分驗證。也可以承上所描述的，當進行的業務申辦服務需要進行繳款，使用磁條金融卡或存摺進行轉帳。 Next, the above-mentioned magnetic stripe reader 133 is connected to the processor 150 for reading magnetic stripe cards, passbooks or combinations thereof. For example, if customer 3 only has a magnetic stripe financial card, or needs to apply for business services such as replacing the magnetic stripe financial card with a chip financial card, and replacing the old passbook with a new passbook, the magnetic stripe reader 133 can be used for identity verification. verify. It is also possible to follow the above description, when the business bid service needs to be paid, the magnetic stripe financial card or passbook is used for transfer.

然後，上述鍵盤135訊號連接處理器150，提供客戶3輸入取件號、密碼或其組合。其中，鍵盤135可以是實體鍵盤或者觸控鍵盤，且上述觸控鍵盤也可以直接顯示於顯示器110上，但本新型不以此為限。 Then, the above-mentioned keyboard 135 is signal-connected to the processor 150 to provide the customer 3 to input the pick-up number, password or a combination thereof. Wherein, the keyboard 135 can be a physical keyboard or a touch keyboard, and the touch keyboard can also be directly displayed on the display 110 , but the present invention is not limited thereto.

除此之外，上述顯示器110與攝像裝置120還可以用於提供客戶3與行員裝置4進行視訊服務。會進行視訊服務的情況可以有以下幾種：(1)客戶3於 操作上遇到不理解之情形，需要行員遠端視訊指導客戶3操作機台；(2)客戶3利用其他輸入裝置130進行身分驗證失敗，需要行員遠端視訊進行人工驗證；(3)客戶3進行之業務申辦服務具有需要面詢的情形(例如，申辦貸款需要詢問信用狀況)，但本新型不以此為限。 In addition, the above-mentioned display 110 and camera device 120 can also be used to provide the client 3 and the driver device 4 with video service. There are several situations in which video service will be provided: (1) Customer 3 in In case of incomprehension in the operation, the remote video of the operator is required to guide the customer 3 to operate the machine; (2) the customer 3 fails to verify the identity using other input devices 130, and the remote video of the operator is required for manual verification; (3) the customer 3 The business application service performed requires face-to-face consultation (for example, credit status is required to apply for a loan), but this model is not limited to this.

再者，上述銀行伺服器5更包括提醒模組510，當申辦資料之作業流程完成，且申辦資料已置入子櫃210中，提醒模組510會向客戶3的裝置(例如：手機、平板)發送提醒通知，提醒通知可以是簡訊、電子郵件、電話通知，但本新型不以此為限。 Moreover, the above-mentioned bank server 5 further includes a reminder module 510. When the operation process of the application data is completed and the application data has been placed in the sub-cabinet 210, the reminder module 510 will notify the customer 3 of the device (such as: mobile phone, tablet ) to send a reminder notification, the reminder notification can be a text message, an email, a telephone notification, but the present model is not limited thereto.

承上，提醒通知具有取件號、密碼或其組合，當客戶3於輸入裝置130輸入取件號或密碼，具有申辦資料之子櫃210開啟，使客戶3進行取件服務。取件方式的態樣可以例如：(1)客戶3利用提醒通知內的取件號來進行取件；(2)客戶3利用提醒通知內的密碼(如特定長度、亂數產生之唯一密碼)；(3)客戶3利用提醒通知內的取件號配合密碼(可以為申辦業務時自行設定的密碼，或是由銀行伺服器5發放的特定密碼，但本新型不以此為限)；(4)客戶3不需利用取件碼或密碼，而是利用輸入裝置130，輸入自己的個人身分訊息(例如身份證字號)進行身分驗證後來進行取件，但本新型不以此為限)。 Continuing from the above, the reminder notification has a pick-up number, a password or a combination thereof. When the customer 3 enters the pick-up number or password in the input device 130, the sub-cabinet 210 with the bid information is opened, allowing the customer 3 to perform the pick-up service. The mode of pickup can be, for example: (1) Customer 3 uses the pickup number in the reminder notification to pick up the package; (2) Customer 3 uses the password in the reminder notification (such as a unique password with a specific length and random numbers) ; (3) Customer 3 uses the pickup number in the reminder notice to cooperate with the password (it can be a password set by itself when bidding for business, or a specific password issued by the bank server 5, but this model is not limited to this); ( 4) The customer 3 does not need to use the pick-up code or password, but uses the input device 130 to input his personal identification information (such as ID card number) for identity verification and then picks up the piece, but this model is not limited to this).

此外，上述銀行伺服器5，除了用於提醒客戶3其申辦的業務已經完成，銀行伺服器5還儲存有多種客戶3的個人訊息，以在客戶3申辦業務時可以進行身分驗證。上述客戶3的個人訊息可以例如為：(1)客戶3先前於金融機構臨櫃進行開戶或申辦其他業務時所拍攝並留存的三維臉部影像(用於與攝像裝置120接收之客戶臉部影像進行比對)；(2)客戶3先前於金融機構臨櫃進行開戶或申辦其他業務時所留存的二維臉部影像(例如已留存的身分證件影本上的照片，用 於與攝像裝置120接收之客戶臉部影像進行身分驗證)；(3)客戶3的身分證字號、出生年月日、戶籍地址、存摺帳號、存摺密碼、金融卡卡號、金融卡密碼等(用於其他輸入裝置130接收之客戶3的個人訊息進行身分驗證)；(4)客戶3留存的簽章資料(包括客戶親簽字跡或者客戶印鑑副本)，但本新型不以此為限。 In addition, the above-mentioned bank server 5, in addition to reminding the customer 3 that the business application has been completed, the bank server 5 also stores various personal information of the customer 3, so that the identity verification can be performed when the customer 3 applies for business. The personal information of the above-mentioned customer 3 can be, for example: (1) the three-dimensional facial image captured and preserved by the customer 3 when opening an account or applying for other business at the counter of the financial institution (used to be used with the customer facial image received by the camera device 120) (2) The two-dimensional face image (such as the photo on the photocopy of the ID card that has been retained, used by the customer 3 when opening an account or applying for other businesses at the counter of the financial institution) (3) ID card number, date of birth, household registration address, passbook account number, passbook password, financial card number, financial card password, etc. of the customer 3 (using (4) The signature data retained by the customer 3 (including the customer's personal signature or a copy of the customer's seal), but this model is not limited thereto.

接著，上述輸入裝置130更包括手寫板134，訊號連接處理器150，提供客戶3輸入簽名，且簽名用於身分驗證。 Next, the above-mentioned input device 130 further includes a tablet 134, which is signally connected to the processor 150, and provides the client 3 to input a signature, and the signature is used for identity verification.

值得注意的是，簽名除了可以在進行業務申辦服務時，讓客戶3可跟銀行伺服器5儲存之簽章資料進行比對(或者，客戶3於進行業務申辦服務時讓掃描器131掃描其申辦資料上的印鑑來進行比對)，還可以是當申辦作業完成，且客戶3要前往非接觸式金融業務處理系統的特定子櫃210領取申辦資料時，利用手寫板134輸入簽名以茲證明完成了取件的動作。 It is worth noting that, in addition to allowing the customer 3 to compare with the signature data stored in the bank server 5 during the business application service, the signature can be compared (or, the customer 3 allows the scanner 131 to scan its application when performing the business application service) seals on the materials for comparison), or when the bidding operation is completed and the customer 3 wants to go to the specific sub-cabinet 210 of the non-contact financial business processing system to collect the bidding materials, he can use the handwriting board 134 to input his signature to prove the completion Pickup action.

此外，上述申辦資料可以例如為進行辦理時的申請書或是其他申請時須檢附的資料(例如財力證明、身分證影本、戶口名簿影本等)，或是完成辦理時需取回的明細資料、***等，但本新型不以此為限。 In addition, the above-mentioned application materials can be, for example, the application form when processing or other materials that must be attached to the application (such as financial proof, photocopy of ID card, copy of household register, etc.), or the detailed information that needs to be retrieved when the processing is completed , credit card, etc., but this model is not limited thereto.

接下來，請同時參照圖3與圖4，圖4為依據本新型一實施例之非接觸式金融業務處理系統的作業流程圖。 Next, please refer to FIG. 3 and FIG. 4 at the same time. FIG. 4 is a flow chart of the operation of the contactless financial business processing system according to an embodiment of the present invention.

圖4的步驟S400A與S400B中，當一名客戶3具有業務申辦服務的需求時，可以以下方式來進行：(1)步驟S400A，客戶3先於利用網路銀行應用程式或是個人電腦連接銀行網頁，選取需要申辦的業務並且預填表單，填寫完畢後產生取件號(例如案件編號)、識別碼(例如一維條碼或二維條碼)或其組合，然後於非接觸式金融業務處理系統1之臨櫃主機10輸入取件號或者掃描識別 碼，並接續步驟S402；或是(2)步驟S400B，客戶3直接親臨非接觸式金融業務處理系統1之臨櫃主機10，點選業務申辦服務之種類後，接續步驟S402。 In steps S400A and S400B in Figure 4, when a customer 3 has a demand for business application services, it can be carried out in the following manner: (1) Step S400A, the customer 3 first connects to the bank using an online banking application program or a personal computer webpage, select the business that needs to be applied for and pre-fill the form, and generate a pick-up number (such as a case number), an identification code (such as a one-dimensional barcode or a two-dimensional barcode) or a combination thereof, and then enter the non-contact financial business processing system 1. The cabinet host 10 enters the pick-up number or scans for identification or (2) step S400B, the customer 3 directly visits the counter host 10 of the non-contact financial business processing system 1, clicks on the type of business bidding service, and then proceeds to step S402.

圖4的步驟S402-S404中，非接觸式金融業務處理系統1進行客戶3的身分驗證，身分驗證的方式可以如前面所述例如為：(1)透過攝像裝置120比對於銀行伺服器5留存的客戶3之二維影像或三維影像；(2)透過掃描器131掃描客戶3的身分證、健保卡或其他可供驗證的資料；(3)透過晶片讀取器132讀取客戶3具晶片功能之證件(如健保卡)、晶片金融卡；(4)透過磁條讀取器133讀取客戶3具有磁條之卡片或者存摺；(5)利用手寫板134輸入客戶3的簽名，並與銀行伺服器5留存的客戶親簽字跡進行比對；(6)透過掃描器131掃描客戶3的印鑑並與銀行伺服器5留存的客戶印鑑資料進行比對。上述方式可以任選地單獨採用，也可以聯合進行，且本新型不以此為限。而當身分驗證通過時，進行步驟S410，反之，當身分驗證失敗時，則進行步驟S406。 In steps S402-S404 of Fig. 4, the non-contact financial business processing system 1 performs the identity verification of the customer 3, and the identity verification method can be, for example, as described above: (1) through the camera device 120 and compared to the bank server 5 to retain (2) scan the ID card, health insurance card or other verifiable data of the customer 3 through the scanner 131; (3) read the chip of the customer 3 through the chip reader 132 (4) read the card or passbook with the magnetic stripe of the customer 3 through the magnetic stripe reader 133; (5) use the handwriting board 134 to input the signature of the customer 3, and communicate with (6) scan the seal of the customer 3 through the scanner 131 and compare it with the customer seal data retained by the bank server 5 . The above methods can be optionally used alone or in combination, and the present invention is not limited thereto. And when the identity verification is passed, go to step S410, otherwise, when the identity verification fails, go to step S406.

圖4的步驟S406中，當身分驗證失敗時，可以透過攝像裝置120連接行員裝置4，由行員透過行員裝置4與客戶3以視訊方式進行人工驗證，驗證方式可例如為：客戶3因先前在銀行伺服器5留存之二維影像模糊不易識別，由行員親自辨識是否為本人，並且透過面詢客戶3其他個人資料(如身分證字號、出生年月日等)的方式來進行人工驗證，若是人工驗證通過，進行步驟S408A；反之，若是人工驗證失敗，則進行步驟S408B，本次的業務申辦服務不予續行。 In step S406 of Fig. 4, when the identity verification fails, the operator device 4 can be connected through the camera device 120, and the operator can perform manual verification with the customer 3 through the operator device 4 through video communication. The two-dimensional image retained by the bank server 5 is blurry and difficult to identify. The banker personally identifies whether it is the person himself, and conducts manual verification by interviewing the customer 3 for other personal information (such as ID card number, date of birth, etc.). If the manual verification is passed, proceed to step S408A; otherwise, if the manual verification fails, proceed to step S408B, and the business bidding service for this time will not be continued.

圖4的步驟S408A中，當人工驗證通過後，客戶3根據顯示器110顯示的流程逐步進行申辦資料的準備與確認，當申辦資料皆確認且齊備後，子櫃210開啟，客戶3將所需給銀行端的申辦資料放入子櫃210中，並由銀行端來進行收件、處理客戶3申辦之業務。 In step S408A of Fig. 4, after the manual verification is passed, the customer 3 gradually prepares and confirms the application materials according to the process displayed on the display 110. The application materials at the bank end are put into the sub-cabinet 210, and the bank end receives and handles the application business of the client 3.

值得注意的是，子櫃210的實施方式可以為：(1)每個子櫃210可以具有唯一的編號，臨櫃主機10可設定為單一客戶3進行業務申辦服務時，其送件與取件所使用的子櫃210都是同一個，因此上述特定子櫃210的唯一編號也可用作後續取件時用來驗證的方式之一，這種實施方式可以提高非接觸式金融業務處理系統1的安全性，降低被盜領文件的可能性；或者可以為：(2)客戶3進行送件及取件的子櫃210並非特定的子櫃210，這是由於行員來進行申辦文件的放置時，可能一次辦理許多客戶的不同業務，因此這種實施方式可以提升銀行端作業的效率，但本新型不以此為限。 It is worth noting that the implementation of the sub-cabinet 210 can be as follows: (1) each sub-cabinet 210 can have a unique number, and the cabinet host 10 can be set as a single customer 3 for business bidding services, the delivery and pick-up place The sub-cabinets 210 used are all the same, so the unique number of the above-mentioned specific sub-cabinets 210 can also be used as one of the methods for verification when picking up the subsequent pieces. This implementation can improve the contactless financial business processing system 1. Safety, reducing the possibility of stolen documents; or it can be: (2) The sub-cabinet 210 where the customer 3 sends and picks up the item is not a specific sub-cabinet 210, because when the operator places the bidding documents, It is possible to handle different businesses of many customers at one time, so this implementation method can improve the efficiency of bank operations, but this model is not limited thereto.

然後，圖4的步驟S410中，當銀行端處理完客戶3申辦之業務後，在此可以是僅處理一筆資料，或者是批次處理多個客戶3的資料(本新型不以此為限)，在將客戶3需領取的申辦資料放回子櫃210後，進行步驟S412。 Then, in step S410 of Fig. 4, after the bank end has processed the business of customer 3's bid, it can only process one piece of data here, or process the data of multiple customers 3 in batches (the present invention is not limited to this) , after putting back the bid materials that client 3 needs to collect into the sub-cabinet 210, go to step S412.

圖4的步驟S412中，透過銀行伺服器5當中的提醒模組510，向客戶3發送提醒通知，提醒通知的態樣於此前已有描述，可以利用簡訊、電子郵件、電話等來聯繫。此外，更可以根據客戶3所申辦的業務種類及其緊急程度來決定要使用何種方式發送提醒通知。例如：(1)客戶3進行的是繳款類的業務(如繳卡費)，銀行伺服器5收到款項後，可先發送簡訊提醒客戶3已經收到款項，而若客戶3具有領取繳款明細的需求時，由於前述已完成整體繳款作業，銀行端可在結算日後再統一將所有有需求的客戶3的繳款明細分別放入不同的子櫃210，再另外簡訊通知客戶3來領取統一開立知名細；或者(2)客戶3進行的是卡片遭竊、掛失後的申請補發，由於該卡片是客戶3額度相當高的***，且經查紀錄為經常使用，因此當把補發後的卡片放入子櫃210後，再由銀行伺服器5透過專人撥打 電話來提醒客戶3前往領取補發之卡片，並同時發送具有取件號及密碼的簡訊或電子郵件至客戶3的裝置中，但本新型不以此為限。 In step S412 of FIG. 4 , through the reminder module 510 in the bank server 5 , a reminder notification is sent to the customer 3 . In addition, according to the type of business bid by the customer 3 and the degree of urgency, it is possible to determine which method to use to send the reminder notification. For example: (1) Customer 3 is conducting a payment business (such as card payment), after the bank server 5 receives the payment, it can first send a text message to remind the customer 3 that the payment has been received, and if the customer 3 has received the payment When there is a demand for payment details, since the above-mentioned overall payment operation has been completed, the bank can put the payment details of all customers 3 in need into different sub-cabinets 210 after the settlement date, and then notify the customer 3 by SMS Receive unified issuing details; or (2) Customer 3 is applying for reissuance of the card after it has been stolen or reported lost. Since the card is a credit card with a relatively high limit for Customer 3, and it has been checked and recorded as being frequently used, it should be After the reissued card is put into the sub-cabinet 210, the bank server 5 dials the Call to remind customer 3 to go to pick up the reissued card, and send a text message or email with the pick-up number and password to the device of customer 3 at the same time, but this model is not limited to this.

圖4的步驟S414中，當客戶3接收到可以前往非接觸式金融業務處理系統1領取申辦資料的提醒通知後，前往臨櫃主機10的輸入裝置130進行輸入，例如：(1)利用鍵盤135輸入提醒通知中具有的取件號、密碼或其組合；(2)利用鍵盤135輸入一組在點選提醒通知後才會進一步產生的一次性動態密碼(具有較高的安全性)；(3)利用掃描器131掃描提醒通知中具有的一組條碼，但本新型不以此為限。 In step S414 of Fig. 4, after the customer 3 receives the reminder notice that he can go to the non-contact financial business processing system 1 to get the application materials, he goes to the input device 130 of the cabinet host 10 to input, for example: (1) using the keyboard 135 The pick-up number, password or combination thereof that have in the input reminder notice; (2) utilize keyboard 135 to input one group and just can further produce one-time dynamic password (with higher security) after clicking reminder notice; (3) ) using the scanner 131 to scan a set of barcodes in the reminder notification, but the present invention is not limited thereto.

再者，若是客戶3所進行的業務申辦服務為需要更高安全性的服務，還可以額外在取件時進行另外的身分驗證，例如前述的臉部影像、身分證件等驗證，也可以是客戶3進行簽章以茲證明取件的動作。 Furthermore, if the business bidding service performed by customer 3 is a service that requires higher security, additional identity verification can be performed when picking up the package, such as the aforementioned facial image, identity certificate, etc. 3. Sign and seal to prove the action of picking up the package.

最後，圖4的步驟S416中，當處理器150接收到前述正確的取件號、密碼、條碼或一次性動態密碼後，裝有申辦資料的子櫃210開啟，客戶3完成收件。 Finally, in step S416 of FIG. 4 , when the processor 150 receives the aforementioned correct pick-up number, password, barcode or one-time dynamic password, the sub-cabinet 210 containing the bidding materials is opened, and the customer 3 completes the delivery.

接著，以下將列舉一些本新型的一些實施例，並請配合前述的圖1至圖4，以助於理解本新型的實施方式，但需要注意的是，本新型不以這些實施例為限制。 Next, some embodiments of the present invention will be listed below, and please cooperate with the foregoing Figures 1 to 4 to help understand the implementation of the present invention, but it should be noted that the present invention is not limited by these embodiments.

[實施例1：一般開戶作業][Example 1: General account opening operation]

一名客戶3具有開新帳戶的需求，於是客戶3前往非接觸式金融業務處理系統1的臨櫃主機10進行操作，並於顯示器110點選需要辦理開戶的業務申辦服務。接著，於臨櫃主機10輸入個人資料後，進行相關的身分驗證，在本實施例中，由於開戶需要檢附身分證、第二身分證明文件以及印鑑，因此， 客戶3利用掃描器131掃描身分證、健保卡之正反面至臨櫃主機10以完成身分驗證。然後，輸出裝置140印製開戶申請書與輸出封裝袋，以讓客戶3填寫相關資料，並蓋上印鑑後，將申辦資料封裝於封裝袋中，接著，其中一個子櫃210開啟，客戶3將申辦資料放入子櫃210後離開。 A customer 3 needs to open a new account, so the customer 3 goes to the counter host 10 of the non-contact financial business processing system 1 to operate, and clicks on the display 110 to handle the business application service for account opening. Then, after entering the personal data at the cabinet host 10, relevant identity verification is carried out. In this embodiment, since opening an account requires submitting an ID card, a second identity document and a seal, therefore, The client 3 uses the scanner 131 to scan the front and back sides of the ID card and the health insurance card to the cabinet-facing host 10 to complete identity verification. Then, the output device 140 prints the application form for opening an account and outputs the packaging bag, so that the customer 3 can fill in the relevant information, and after affixing the seal, seal the application materials in the packaging bag. Then, one of the sub-cabinets 210 is opened, and the customer 3 will Put the application materials into the sub-cabinet 210 and leave.

接著，待銀行端完成開戶後，行員將實體存摺、卡片以及其他相關資料放回子櫃210後，銀行伺服器5透過提醒模組510向客戶3發送提醒通知，客戶3在接收到提醒通知後，再次前往非接觸式金融業務處理系統1的臨櫃主機10進行操作，點開手機簡訊中的網址後收取一次性動態密碼，並利用鍵盤135輸入上述一次性動態密碼，當處理器150接收到正確的一次性動態密碼後，放置有客戶3所申辦之帳戶的存摺、卡片及相關資料的子櫃210開啟，客戶3利用手寫板134進行簽名，以茲證明是本人領取申辦資料。 Next, after the bank completes the account opening, the clerk puts the physical passbook, card and other related materials back into the sub-cabinet 210, the bank server 5 sends a reminder to the customer 3 through the reminder module 510, and the customer 3 receives the reminder , go to the cabinet host 10 of the non-contact financial business processing system 1 to operate again, click on the website in the mobile phone message to receive a one-time dynamic password, and use the keyboard 135 to input the above-mentioned one-time dynamic password, when the processor 150 receives After the correct one-time dynamic password, the sub-cabinet 210 containing the passbook, card and related materials of the account bid by the client 3 is opened, and the client 3 uses the handwriting board 134 to sign, so as to prove that it is the person who received the bidding materials.

[實施例2：***費的繳納][Example 2: Payment of credit card fee]

一名客戶3臨時想要繳納***費，於是客戶3前往非接觸式金融業務處理系統1的臨櫃主機10進行操作，並於顯示器110點選需要繳納***費的業務申辦服務。接著，由於***費的繳納不一定需要本人來繳納(可能為親人代為繳款)，因此身分驗證的程序較為簡單，可例如為僅需要將輸入***帳戶號碼以及聯絡電話後，於顯示器110確認卡片、聯絡資訊正確，並點選確定要繳費之選項後，顯示器110會顯示一個虛擬帳戶，客戶3再將對應的金額轉帳入該帳戶中完成繳納。 A customer 3 temporarily wants to pay credit card fees, so the customer 3 goes to the counter host 10 of the non-contact financial business processing system 1 to operate, and clicks on the display 110 to select the business application service that needs to pay credit card fees. Next, since the payment of the credit card fee does not necessarily need to be paid by the person himself (may be paid by a relative), the procedure of identity verification is relatively simple, for example, after only inputting the credit card account number and contact number, the card is confirmed on the display 110 1. The contact information is correct, and after clicking the option to confirm the payment, the display 110 will display a virtual account, and the customer 3 transfers the corresponding amount into the account to complete the payment.

此處的繳納方式可以例如為：(1)輸入裝置130中具有收鈔口，直接將現金透過收鈔口進行繳納；(2)利用臨櫃主機10旁額外設置之ATM進行繳納；(3)透過行動支付進行繳納；(4)輸入裝置130還具有感應器，利用其他卡片 感應進行繳款；(5)將晶片金融卡***晶片讀取器132，或將存摺放入磁條讀取器133進行繳款，且本新型不以此為限。 The payment method here can be, for example, as follows: (1) the input device 130 has a banknote receiving port, and the cash is directly paid through the banknote receiving port; (2) the ATM that is additionally set beside the cabinet host 10 is used for payment; (3) Pay through mobile payment; (4) The input device 130 also has a sensor, and uses other cards (5) Insert the chip financial card into the chip reader 132, or put the passbook into the magnetic stripe reader 133 to make payment, and the present model is not limited thereto.

然後，在本實施例中當客戶3完成繳納後，且銀行伺服器5接收到相關款項後，由提醒模組510發送提醒通知至留存的聯絡電話中(例如簡訊)，通知客戶3已經收到款項。而當客戶3需要實體繳款明細時，可再於提醒通知中要求需要實體明細。 Then, in this embodiment, after the customer 3 completes the payment and the bank server 5 receives the relevant funds, the reminder module 510 sends a reminder notification to the retained contact number (such as a text message) to notify the customer 3 that the payment has been received. payment. And when the customer 3 needs the physical payment details, he can request the physical details in the reminder notice.

此時，銀行伺服器5收到該要求，並在當月***繳費結帳日後，將明細放入子櫃210中，然後再次發送提醒通知給客戶3的裝置，客戶3前往臨櫃主機10輸入取件碼或密碼，最後子櫃210開啟，客戶3完成收件。 Now, the bank server 5 receives the request, and puts the details into the sub-cabinet 210 after the credit card payment settlement date of the current month, and then sends a reminder to the device of the client 3 again, and the client 3 goes to the cabinet host 10 to input the withdrawal code or password, and finally the sub-cabinet 210 is opened, and the customer 3 completes receiving.

[實施例3：貸款的申辦][Example 3: Bid for Loan]

一名客戶3具有開申辦購屋貸款的需求，於是客戶3先於銀行網頁中填寫貸款申請單，填寫完表單後將會取得一組案件編號以及對應之QR code。接著，客戶3前往非接觸式金融業務處理系統1的臨櫃主機10進行操作，並利用掃描器131掃描QR code後，處理器150直接令顯示器110呈現申辦貸款時所具有的申辦畫面給客戶3。 A customer 3 has a need to apply for a housing loan, so the customer 3 first fills out the loan application form on the bank's webpage, and will obtain a set of case numbers and corresponding QR codes after completing the form. Next, the customer 3 goes to the counter host 10 of the non-contact financial business processing system 1 to operate, and uses the scanner 131 to scan the QR code, and the processor 150 directly makes the display 110 present the application screen when applying for a loan to the customer 3 .

然後，客戶3根據顯示器110的操作步驟，輸入案件編號進行初步的驗證(確認QR code及案件編號皆對應同一個申請單)。接著，客戶3再將身分證、戶口名簿、存摺、其餘財力證明文件等，利用掃描器131以及磁條讀取器133輸入至臨櫃主機10以進行驗證，確定皆為同一人所有。 Then, according to the operation steps of the display 110, the customer 3 enters the case number for preliminary verification (confirms that both the QR code and the case number correspond to the same application form). Then, the client 3 uses the scanner 131 and the magnetic stripe reader 133 to input the identity card, household registration book, passbook, and other financial certification documents into the cabinet host 10 for verification, and it is determined that they are all owned by the same person.

而由於購屋貸款的申辦較為嚴謹，除經由上述多個申辦資料的確認以外，需要面詢確認客戶3之狀況，因此，客戶3利用攝像裝置120與行員裝置4進行連線溝通，在行員確認客戶3為本人、相關資料皆正確， 且完成其他須詢問之事項後(如家庭狀況、經濟狀況、是否有擔保人等)，完成身分驗證，並由輸出裝置140列印先前客戶3已填寫完畢之貸款申請單，由客戶3現場蓋章、簽名後，將申請單以及其他資料(例如身分證影本、戶口名簿影本)一同封裝進封裝袋中，再放入特定的子櫃210。 Since the application for a house purchase loan is more rigorous, in addition to the confirmation of the above-mentioned multiple application materials, it is necessary to interview and confirm the status of the customer 3. 3 For me and the relevant information are all correct, After completing other matters to be inquired (such as family status, economic status, whether there is a guarantor, etc.), the identity verification is completed, and the output device 140 prints the loan application form that the previous customer 3 has completed, and the customer 3 stamps it on the spot After stamping and signing, the application form and other materials (such as a photocopy of ID card and a photocopy of household registration book) are sealed together in a sealing bag, and then put into specific sub-cabinet 210.

除此之外，基於申辦貸款的嚴謹性，攝像裝置120還可以具有全程錄影的功能，更加提高安全性。 In addition, based on the rigor of applying for a loan, the camera device 120 may also have the function of video recording the whole process to further improve security.

接著，行員於子櫃210收取相關申辦資料，並確認資料皆齊備後，核准這次的貸款申請，並將貸款證明資料放回子櫃210中。在本實施例中，基於申辦貸款的嚴謹性，子櫃210皆為特定的子櫃，且特定子櫃210的唯一編號也將作為取件時所需輸入的安全性資訊之一。 Then, the banker receives the relevant application materials in the sub-cabinet 210, and after confirming that the materials are complete, approves the loan application this time, and puts the loan certification materials back into the sub-cabinet 210. In this embodiment, based on the strictness of applying for a loan, all the sub-cabinets 210 are specific sub-cabinets, and the unique number of the specific sub-cabinet 210 will also be used as one of the security information that needs to be input when picking up the package.

然後，銀行伺服器5透過提醒模組510發送提醒通知給客戶3，在此可先透過專人電話聯絡客戶3，再度確認該客戶3確實有申辦此貸款後，再另外發送簡訊給客戶3的手機。 Then, the bank server 5 sends a reminder notification to the customer 3 through the reminder module 510. Here, the customer 3 can be contacted by a dedicated phone first, and after confirming that the customer 3 has indeed applied for the loan, another text message is sent to the mobile phone of the customer 3 .

最後，客戶3再度前往非接觸式金融業務處理系統1的臨櫃主機10進行操作，在本實施例中，客戶3利用輸入裝置130輸入特定子櫃210的唯一編號(上述編號可包含在簡訊中)後，臨櫃主機10再要求客戶3輸入提醒通知中的其他安全資訊，例如一組取件碼及其對應的密碼。當客戶3的所有安全性資訊都正確後，上述特定子櫃210才會開啟，讓客戶3領取貸款證明文件。 Finally, the customer 3 goes to the cabinet host 10 of the non-contact financial business processing system 1 again to operate. In this embodiment, the customer 3 uses the input device 130 to input the unique number of the specific sub-cabinet 210 (the above-mentioned number can be included in the short message) ), the cabinet host 10 then requires the customer 3 to input other security information in the reminder notice, such as a set of pick-up codes and their corresponding passwords. When all the security information of the customer 3 is correct, the above-mentioned specific sub-cabinet 210 will be opened to allow the customer 3 to receive the loan certification documents.

[實施例4：存摺的換發][Embodiment 4: Reissue of passbook]

4-1：不須支付工本費的情況 4-1: Situations where the cost of production is not required to be paid

一名客戶3由於子女的存摺已使用至末頁，想要申請換發，於是前往非接觸式金融業務處理系統1的臨櫃主機10進行操作，並於顯示器110點選需要換發存摺的業務申辦服務。接著，由於換發存摺不需要繁瑣的身分驗證程序，僅需要將存摺***磁條讀取器133，確認存摺確實已使用至末頁後，於顯示器110顯示存摺之帳號供客戶3確認，當客戶3確認完畢後，其中一個子櫃210開啟，客戶3將舊存摺放入子櫃210中待銀行端收件處理。 A customer 3 wants to apply for reissuance because the child's passbook has been used to the last page, so he goes to the counter host 10 of the non-contact financial business processing system 1 to operate, and clicks on the display 110 the business that needs to reissue the passbook Bid for services. Then, since reissuing the passbook does not require cumbersome identity verification procedures, it is only necessary to insert the passbook into the magnetic stripe reader 133. After confirming that the passbook has indeed been used to the last page, the account number of the passbook is displayed on the display 110 for the customer 3 to confirm. 3 After the confirmation is completed, one of the sub-cabinets 210 is opened, and the customer 3 puts the old passbook into the sub-cabinet 210 to be processed by the bank.

接著，當銀行端處理完畢，並將新存摺封裝後放回子櫃210後，銀行伺服器5透過提醒模組510發送提醒通知給客戶3，例如為電子郵件，並給予一組取件碼及其對應的密碼。最後，客戶3再度前往非接觸式金融業務處理系統1的臨櫃主機10進行操作，並利用觸控式鍵盤135輸入郵件中的取件碼及其對應的密碼後，子櫃210開啟，客戶3領取新存摺。 Then, when the bank end process is completed and the new passbook is packaged and put back into the sub-cabinet 210, the bank server 5 sends a reminder notification to the customer 3 through the reminder module 510, such as an email, and gives a set of pick-up code and its corresponding password. Finally, the customer 3 goes to the cabinet host 10 of the non-contact financial business processing system 1 again to operate, and uses the touch-sensitive keyboard 135 to input the pick-up code in the mail and its corresponding password, the sub-cabinet 210 is opened, and the customer 3 Receive a new passbook.

4-2：需要支付工本費的情況 4-2: Situations where production costs need to be paid

另一名客戶3無論存摺是否已使用至末頁，都會定期換發存摺，於是客戶3前往非接觸式金融業務處理系統1的臨櫃主機10進行操作，並於顯示器110點選需要換發存摺的業務申辦服務。同上，將存摺***磁條讀取器133後，處理器150發現本存摺並未使用完畢，若要換發需要酌收工本費50元。因此利用顯示器110顯示需要收取費用之申辦畫面。 Another customer 3 will regularly reissue the passbook regardless of whether the passbook has been used to the last page, so the customer 3 goes to the front-counter host 10 of the non-contact financial business processing system 1 to operate, and clicks on the display 110 to reissue the passbook business bid services. Same as above, after the passbook is inserted into the magnetic stripe reader 133, the processor 150 finds that the passbook has not been used up, and if the passbook needs to be reissued, a processing fee of 50 yuan will be charged. Therefore, the display screen 110 is used to display an application screen where a fee needs to be charged.

當客戶3確認仍須進行換發後，可利用不同方式進行繳款，在本實施例中，客戶3利用感應式卡片於感應裝置進行繳款。繳款完畢後，子櫃210開啟，客戶3將舊存摺放入子櫃210，後續步驟同實施例4-1，於此不再贅述。 After the customer 3 confirms that it is still necessary to reissue, he can use different methods to make payment. In this embodiment, the customer 3 uses an inductive card to make payment on the inductive device. After the payment is completed, the sub-cabinet 210 is opened, and the customer 3 puts the old passbook into the sub-cabinet 210, and the subsequent steps are the same as those in Embodiment 4-1, and will not be repeated here.

[實施例5：金融卡的換發][Embodiment 5: Renewal of Financial Card]

一名客戶3由於仍持有舊式的磁條金融卡，但因磁條金融卡即將淘汰，於是利用手機的網路銀行應用程式申請換發成晶片金融卡。當線上填寫完晶片金融卡申請單後，前往非接觸式金融業務處理系統1的臨櫃主機10進行操作，並利用掃描器131掃描QR code後，處理器150直接令顯示器110呈現申請晶片金融卡時所具有的申辦畫面給客戶3。 A customer 3 still holds the old magnetic stripe financial card, but because the magnetic stripe financial card is about to be phased out, he uses the mobile phone's online banking application to apply for a chip financial card. After filling out the chip financial card application form online, go to the counter host 10 of the non-contact financial business processing system 1 to operate, and use the scanner 131 to scan the QR code, and the processor 150 directly makes the display 110 present the chip financial card application 3. Give the customer the bid screen that you have at the time.

然後，客戶3透過掃描器131掃描身分證與原留存於金融機構的印鑑，並且將磁條金融卡***磁條讀取器133中，以完成身分驗證的程序。接著，輸出裝置140印製客戶3先前填寫的晶片金融卡申請單後，客戶3再度簽名與蓋章，並將申請單放入子櫃210中等待銀行端收件。值得注意的是，客戶3在此可選擇是否要由銀行端銷毀舊的磁條金融卡，或者由客戶3自行留存，這是由於當煥發完成後，舊式的金融卡即使不回收也會失效，因此不一定要繳回原卡片。 Then, the customer 3 scans the identity card and the seal originally kept in the financial institution through the scanner 131, and inserts the magnetic stripe financial card into the magnetic stripe reader 133 to complete the identity verification procedure. Next, after the output device 140 prints the chip financial card application form previously filled by the customer 3, the customer 3 signs and seals it again, and puts the application form into the sub-cabinet 210 for receipt by the bank. It is worth noting that customer 3 can choose whether to destroy the old magnetic stripe financial card by the bank, or keep it by customer 3. This is because after the rejuvenation is completed, the old financial card will become invalid even if it is not recycled. Therefore, it is not necessary to return the original card.

最後，當銀行端處理完畢，並將新的晶片金融卡封裝後放回子櫃210後，銀行伺服器5透過提醒模組510發送提醒通知給客戶3，例如為電話通知。並給予客戶3能取得一次性動態密碼的簡訊，於是客戶3再度前往非接觸式金融業務處理系統1的臨櫃主機10進行操作，並利用觸控式鍵盤135輸入一次性動態密碼後，子櫃210開啟，客戶3領取新卡片。 Finally, after the bank completes the processing and packages the new chip financial card and puts it back into the sub-cabinet 210, the bank server 5 sends a reminder to the customer 3 through the reminder module 510, such as a phone call. And give the client 3 a short message that can obtain the one-time dynamic password, so the client 3 goes to the front cabinet host 10 of the non-contact financial business processing system 1 to operate again, and after using the touch-sensitive keyboard 135 to input the one-time dynamic password, the sub-cabinet 210 is turned on, and customer 3 receives a new card.

綜上所述，本新型的非接觸式金融業務處理系統具有以下功效：(1)可解決客戶無法配合金融機構之營業時間進行臨櫃辦理業務的問題；(2)可以很大程度地降低人與人之間的接觸，具有提升公共安全衛生之效果；(3)根據業務種類的安全等級，採用不同種類之驗證程序，以兼顧各式業務辦理時的效率及安全性。 To sum up, the new non-contact financial business processing system has the following functions: (1) It can solve the problem that customers cannot cooperate with the business hours of financial institutions to handle business at the counter; (2) It can greatly reduce the number of staff The contact between people has the effect of improving public safety and hygiene; (3) According to the security level of the business type, different types of verification procedures are adopted to take into account the efficiency and safety of various business operations.

儘管已經示出和描述了本新型的實施例，對於本領域的通常技術人員而言，可以理解在不脫離本新型的原理和精神的情況下可以對這些實施例進行多種變化、修改、替換和變型，本新型的範圍由所附申請專利範圍及其等同物限定。 Although the embodiments of the present invention have been shown and described, those skilled in the art can understand that various changes, modifications, substitutions and variants, the scope of the present invention is defined by the appended patent scope and its equivalents.

1:非接觸式金融業務處理系統 1: Contactless financial business processing system

10:臨櫃主機 10: Pro cabinet host

110:顯示器 110: Display

120:攝像裝置 120: camera device

130:輸入裝置 130: input device

140:輸出裝置 140: output device

210:子櫃 210: sub cabinet

Claims (10)

一種非接觸式金融業務處理系統，係透過訊號連接一銀行伺服器與一行員裝置之一臨櫃主機以提供一客戶進行一業務申辦服務中之一申辦資料的存取，且該臨櫃主機包括：一處理器，訊號連接該行員裝置與該銀行伺服器；一顯示器，訊號連接該處理器，用於提供該業務申辦服務之一申辦畫面；一攝像裝置，訊號連接該處理器，用於掃描該客戶之一臉部影像來進行該客戶的一身分驗證；一輸入裝置，訊號連接該處理器，用於接收該申辦資料，並提供該客戶進行該身分驗證；一輸出裝置，訊號連接該處理器，用於輸出該業務申辦服務之該申辦資料；以及複數個子櫃，該些子櫃訊號連接該臨櫃主機，用於提供該客戶進行一取件服務或一送件服務。 A non-contact financial business processing system, which connects a bank server and a cabinet-side host of a bank member's device through signals to provide a customer with access to one of the bidding data in a business bidding service, and the cabinet-side host includes : a processor, the signal is connected to the bank server and the bank server; a display, the signal is connected to the processor, for providing a bidding screen of the business bidding service; a camera device, the signal is connected to the processor, used for scanning An image of the face of the customer is used to verify the identity of the customer; an input device is signal-connected to the processor for receiving the bid information and providing the customer for the identity verification; an output device is signal-connected to the processor A device for outputting the bidding information of the business bidding service; and a plurality of sub-cabinets, the sub-cabinets are connected to the cabinet host computer for providing the customer with a pick-up service or a delivery service. 如請求項1所述之非接觸式金融業務處理系統，其中該輸入裝置更包括一掃描器，訊號連接該處理器，用於提供該客戶掃描一識別碼、該申辦資料或其組合，並存取該識別碼或該申辦資料所包含之內容。 The non-contact financial business processing system as described in Claim 1, wherein the input device further includes a scanner, which is signally connected to the processor, and is used to provide the customer to scan an identification code, the bid information or a combination thereof, and store Get the identification code or the content contained in the application information. 如請求項1所述之非接觸式金融業務處理系統，其中該輸入裝置更包括一晶片讀取器，訊號連接該處理器，用於讀取一晶片卡。 The non-contact financial business processing system as described in Claim 1, wherein the input device further includes a chip reader, signally connected to the processor, for reading a chip card. 如請求項1所述之非接觸式金融業務處理系統，其中該輸入裝置更包括一磁條讀取器，訊號連接該處理器，用於讀取一磁條卡、一存摺或其組合。 The non-contact financial business processing system as described in Claim 1, wherein the input device further includes a magnetic stripe reader, signally connected to the processor, for reading a magnetic stripe card, a passbook or a combination thereof. 如請求項1所述之非接觸式金融業務處理系統，其中該輸入裝置更包括一鍵盤，訊號連接該處理器，提供該客戶輸入一取件號、一密碼或其組合。 The non-contact financial business processing system as described in claim 1, wherein the input device further includes a keyboard, which is signally connected to the processor, and provides the customer to input a pick-up number, a password or a combination thereof. 如請求項1所述之非接觸式金融業務處理系統，其中該顯示器與該攝像裝置更用於提供該客戶與該行員裝置進行一視訊服務。 The non-contact financial business processing system as described in Claim 1, wherein the display and the camera device are further used to provide a video service between the customer and the passenger device. 如請求項1所述之非接觸式金融業務處理系統，其中該銀行伺服器更包括一提醒模組，當該申辦資料之作業流程完成，且該申辦資料已置入該些子櫃中之一者，該提醒模組向該客戶之一裝置發送一提醒通知。 The non-contact financial business processing system as described in Claim 1, wherein the bank server further includes a reminder module, when the operation process of the application data is completed, and the application data has been placed in one of the sub-cabinets Alternatively, the reminder module sends a reminder notification to a device of the client. 如請求項7所述之非接觸式金融業務處理系統，其中該提醒通知具有一取件號、一密碼或其組合，當該客戶於該輸入裝置輸入該取件號或該密碼，具有該申辦資料之該些子櫃中之一者開啟，使該客戶進行該取件服務。 The non-contact financial business processing system as described in claim 7, wherein the reminder notification has a pick-up number, a password or a combination thereof, when the customer enters the pick-up number or the password on the input device, there is the application One of the sub-cabinets of the data is opened to allow the customer to perform the pick-up service. 如請求項1所述之非接觸式金融業務處理系統，其中該銀行伺服器儲存該客戶留存之一簽章資料，以提供該客戶進行該身分驗證。 The non-contact financial business processing system as described in Claim 1, wherein the bank server stores a signature data retained by the customer to provide the customer for the identity verification. 如請求項1或9所述之非接觸式金融業務處理系統，其中該輸入裝置更包括一手寫板，訊號連接該處理器，提供該客戶輸入一簽名，且該簽名用於該身分驗證。 The non-contact financial business processing system as described in claim 1 or 9, wherein the input device further includes a handwriting pad, signal-connected to the processor, providing the customer to input a signature, and the signature is used for the identity verification.

Images