Classifications

• • G—PHYSICS
  • G06—COMPUTING; CALCULATING OR COUNTING
  • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
  • G06Q20/00—Payment architectures, schemes or protocols
  • G06Q20/08—Payment architectures
  • G06Q20/18—Payment architectures involving self-service terminals [SST], vending machines, kiosks or multimedia terminals

Definitions

• the present invention relates to a remote self-service terminal for facilitating operation of the terminal by a user.
• the present invention attempts to overcome at least in part some of the aforementioned disadvantages.
• a remote self-service terminal comprising a controller, an image capturing device, a card reading device, a card issuing device, a first display means and a second display means, wherein each of the image capturing device, the card reading device, the card issuing device, the first display means and the second display means is connected to and in communication with the controller, and wherein the second display means is for facilitating operation of the terminal by a user.
• the remote self-service terminal further comprises a voice communication device for performing voice communication with an operator, wherein the voice communication device is connected to and in communication with the controller.
• the voice communication device is in the form of a wireless telephone.
• the remote self-service terminal further comprises a sensor connected to and in communication with the controller.
• the senor is an infrared sensor for sensing a user and providing feedback to the controller.
• the remote self-service terminal further comprises a finger vein recognition device, wherein the finger vein recognition device is connected to and in communication with the controller.
• the remote self-service terminal further comprises a USB key issuing device, wherein the USB key issuing device is connected to and in communication with the controller.
• the first display means comprises input means.
• the input means comprises a touch screen and/or a keyboard.
• the remote self-service terminal further comprises a printing device, wherein the printing device is connected to and in communication with the controller.
• the printing device comprises an entry- slip printing device and a documents printing device.
• the second display means is in the form of a Light Emitting Diode (LED) display screen.
• LED Light Emitting Diode
• the remote self-service terminal is substantially as herein described with reference to the accompany drawing as appropriate.
• Other aspects and advantages of the invention will become apparent to those skilled in the art from a review of the ensuing description, which proceeds with reference to the following illustrative drawings of various embodiments of the invention.
• Figure 1 is a schematic diagram of a remote self-service terminal in accordance with an embodiment of the present invention.
• the remote self-service terminal comprises a controller, an image capturing device such as a camera, a card reading device, a card issuing device, a first display means, and a second display means, each of which is respectively connected to and in communication with the controller.
• the controller or the industrial-control host is used for controlling each of the devices mentioned above that are connected to and in communication with the controller so as to operate each of the devices.
• the controller can be in the form of a host computer.
• the image capturing device such as a camera is used for acquiring a human face image of a user so as to facilitate a bank customer service officer or personnel to directly observe the user.
• the card reading device is used for reading a bank card and also for reading an identity card.
• the card reading device is a sensing Integrated Circuit (IC)-card reader adopting Radio Frequency Identification (RFID) technique and is able to read the detailed personal information contained in a personal identity card.
• RFID Radio Frequency Identification
• Such information includes the name, gender, nation, birth date, family address, identity number, the institute which issued the identity card, validity date of the identity, personal photo displayed in the card, and any other information that may be present in the identity card, or other personal information recorded on a non-contact IC card.
• the card reading device is also used for reading a bank card.
• the card reading device is in the form of a dedicated device for reading a bank card
• the remote self-service terminal further comprises a second card reading device in the form of an identity card reading device dedicated for reading an identity card.
• the card reading device can be in the form of an integrated device in which the device can read both a bank card and an identity card, or there can be two separate card reading devices, one for reading a bank card and the other for reading an identity card.
• the card issuing device is used for opening an account or issuing a bank card or reissuing a bank card.
• the first display means comprises input means, and the input means comprises a touch screen and/or a keyboard. The touch screen is used for a user function selection operation.
• the first display means can receive input from a user by means of handwriting on the touch screen by a user and/or receive password or other instructions from a user by means of a user inputting such information via the keyboard.
• the keyboard is in the form of a soft keyboard that is integrated into the touch screen.
• the first display means is in the form of a dedicated touch screen for receiving input from a user by means of handwriting on the touch screen, and the remote self-service terminal further comprises a keyboard separate from the first display means which is dedicated for a user inputting password or other instructions.
• the remote self-service terminal comprises the second display means or device in order to enable a user to obtain better guidance when using the terminal without the need for a bank officer or personnel to be physically present.
• the second display device is connected to and in communication with the controller.
• the second display device is used for broadcasting information such as advertisements and news when the device is not conducting a service for a user, and for displaying video information about the operation of the terminal and operation tips of a bank customer service officer or personnel.
• the second display device is able to interact with a user when a user requests for a service and the terminal performs the service so as to facilitate service conduction.
• the remote self-service terminal further comprises a sensor such as an infrared sensor in order to accurately sense whether there is any user using the terminal.
• the senor is connected to and in communication with the controller.
• the sensor is used to sense a human body and provides a sensing signal to the controller, and the controller controls the second display device to broadcast information such as advertisements or displaying video information about the operation of the terminal and operation tips of a bank customer service officer or personnel according to whether there is any user using the terminal.
• This is advantageous as the information or material being presented on the second display device can be controlled to suit the needs of a user.
• the sensor is integrated into the second display device instead of existing as two separate devices.
• the remote self-service terminal further comprises a voice communication device in order to facilitate a user to directly communicate with a background customer service personnel.
• the voice communication device is connected to and in communication with the controller.
• the voice communication device can be in the form of a wireless telephone for making a call or performing voice communication with a bank customer service officer or personnel. In this way, it eliminates the need for an officer to be physically present near the terminal so as to assist a user with the terminal, hence reducing manpower required to physically man the terminal.
• the remote self-service terminal advantageously comprises a finger vein recognition device in order to acquire unique personal information of a user which can be safely used to recognise or authenticate a user.
• the finger vein recognition device is connected to and in communication with the controller.
• the finger vein recognition device is advantageously used for acquiring an inner vein image feature of a user's finger, and then authenticating the identity of the individual to confirm the identity of the user.
• USB Universal Serial Bus
• the remote self-service terminal further comprises a USB key issuer, wherein the USB key issuer is connected to and in communication with the controller.
• the USB key issuer is used for issuing a USB key for performing certain services such as when opening an online bank account.
• the remote self-service terminal further comprises a printing device, wherein the printing device is connected to and in communication with the controller.
• the printing device is operable for printing all kinds of information or documents for a user to carry out a service, for example, when a user opens a bank account, various documents or information about the user is printed and is saved with an office copy as a reference and record for the bank.
• the printing device is also operable for printing a certificate or receipt of a transaction performed by a user or a service utilised by a user, as required by the user such as for the reference and record of the user.
• the printing device comprises an entry-slip printing device and a documents printing device.
• the entry-slip printing device is used for printing a certificate or receipt of a transaction performed by a user or a service utilised by a user, as required by the user such as for the reference and record of the user.
• the documents printing device is used for printing all kinds of information or documents for a user to carry out a service, for example, when a user opens a bank account, various documents or information about the user is printed and is saved with an office copy as a reference and record for the bank.
• the second display device is advantageously in the form of a Light Emitting Diode (LED) display screen.
• LED Light Emitting Diode
• connection means include Recommend Standard number 232 (RS232) interface, USB interface, Video Graphic Array (VGA) interface, audio cable and any other interface or cable that is suitable for connection to and communication with the controller.
• RS232 Recommend Standard number 232
• VGA Video Graphic Array
• each of the card reading device, the card issuing device, the USB key issuing device, the printing device, and the keyboard is connected to the controller via RS232 interface.
• each of the image capturing device, the finger vein recognition device, and the sensor is connected to the controller via USB interface.
• each of the first display means and the second display means is connected to the controller via VGA interface.
• the voice communication device is connected to the controller via an audio cable.
• the remote self-service terminal of the present invention is advantageously capable of helping or assisting a user to obtain correct and effective operation guidance for enabling a user to perform a correct operation using the terminal without the need of a bank officer or personnel to be physically present at the terminal.
• the technical effects of the present invention are that effective operation guidance of the terminal is made available to a user without the need of a bank officer or personnel to be physically present at the terminal to assist a user or troubleshoot for a user by providing a second display means which enables a user of the terminal to carry out or conduct a service with video information about the operation of the terminal and operation tips of a bank customer service officer or personnel.
• Such information can be displayed in a manner to interact with the user, and also communication between a user and a bank officer in the background can be carried out via voice communication, thereby facilitating the performance of the service for the user and effectively improving the overall user experience.
• a user can interact with a bank officer in the background, and there is no need to put a bank officer or personnel on duty near the terminal to assist a user.
• such a terminal can be used in remote areas, such as mountainous areas as there is no need for a bank officer to physically man the terminal. This also advantageously and effectively reduces manpower or labour costs for banks or parties implementing the remote self-service terminals.

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• Business, Economics & Management (AREA)
• Accounting & Taxation (AREA)
• Finance (AREA)
• Strategic Management (AREA)
• Physics & Mathematics (AREA)
• General Business, Economics & Management (AREA)
• General Physics & Mathematics (AREA)
• Engineering & Computer Science (AREA)
• Theoretical Computer Science (AREA)
• Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)
• User Interface Of Digital Computer (AREA)

Applications Claiming Priority (2)

Publications (1)

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Citations (7)

• 2015
  • 2015-07-14 CN CN201520508925.7U patent/CN204791310U/zh not_active Expired - Fee Related
• 2016
  • 2016-07-13 WO PCT/SG2016/050331 patent/WO2017010944A1/en active Application Filing

Patent Citations (7)

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