TWM634164U - Contactless financial business processing system - Google Patents
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- TWM634164U TWM634164U TW111207910U TW111207910U TWM634164U TW M634164 U TWM634164 U TW M634164U TW 111207910 U TW111207910 U TW 111207910U TW 111207910 U TW111207910 U TW 111207910U TW M634164 U TWM634164 U TW M634164U
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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
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
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
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
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
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
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
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
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
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
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
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
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
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
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
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
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
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
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
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
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
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
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
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
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
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
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
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.
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
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
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
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
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
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
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
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
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
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
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
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
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
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
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
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
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
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
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
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
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)
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