WO2018191859A1 - 一种金融终端的出钞控制方法、***及金融终端 - Google Patents
一种金融终端的出钞控制方法、***及金融终端 Download PDFInfo
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- WO2018191859A1 WO2018191859A1 PCT/CN2017/080876 CN2017080876W WO2018191859A1 WO 2018191859 A1 WO2018191859 A1 WO 2018191859A1 CN 2017080876 W CN2017080876 W CN 2017080876W WO 2018191859 A1 WO2018191859 A1 WO 2018191859A1
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- banknote
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- G—PHYSICS
- G07—CHECKING-DEVICES
- G07F—COIN-FREED OR LIKE APPARATUS
- G07F19/00—Complete banking systems; Coded card-freed arrangements adapted for dispensing or receiving monies or the like and posting such transactions to existing accounts, e.g. automatic teller machines
- G07F19/20—Automatic teller machines [ATMs]
- G07F19/203—Dispensing operations within ATMs
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- the embodiment of the invention belongs to the technical field of financial equipment, and particularly relates to a method, system and financial terminal for controlling the cash out of a financial terminal.
- financial self-service terminals such as automatic teller machines (ATMs)
- ATMs automatic teller machines
- financial self-service terminals when cashing out, mostly digging out one by one from the cash box, then selecting and identifying, the qualified banknotes are stacked in the temporary storage device, and the unqualified banknotes are recycled to the waste cash box.
- counting money the number of banknotes required for this business is counted, and then the banknotes stacked on the temporary storage device are sent to the cash dispensing port for the user to take.
- the banknote counting performance is generally 8 per second.
- the time for counting money will be longer, and the time for recycling may be incurred.
- the banknotes of the banknotes are of poor quality, the banknote recovery rate is high.
- the counting time is longer. Generally speaking, it takes at least a minute to issue 500 high-quality banknotes. If the quality of the banknotes is low, it may take more than two minutes or more, and sometimes even a banknote accident occurs. Since the amount of money to be dispensed when a large amount of money is issued is several times or even several times that of the usual withdrawal business, the probability of the movement of the movement is several times and several times or more of the general withdrawal business, and the actual working time. The utilization rate of the movement is not high.
- the invention provides a method, a system and a financial terminal for controlling the banknotes of a financial terminal, which are intended to solve the problem of the banknotes provided by the prior art, in the case of large amount of banknotes, not in the case of rapid cash withdrawal, according to the needs of users.
- a first aspect of the present invention provides a method for controlling a cash withdrawal of a financial terminal, wherein the method for controlling the cash withdrawal of the financial terminal includes:
- the banknotes are recalled, and the banknotes of the banknotes and the banknotes of the banknotes are separately dispensed.
- a second aspect of the present invention provides a cash-out control system for a financial terminal, wherein the cash-out control system of the financial terminal includes:
- the information obtaining unit is configured to acquire the user withdrawal amount, the bundle information of the current financial terminal, and the banknote information;
- the banknote dispensing unit is configured to calculate the banknotes according to the user withdrawal amount, the banknote information and the banknote information, and obtain the banknote dispensing result;
- the cash dispensing unit is configured to call the banknote dispensing result, and respectively dispenses the banknotes of the banknotes and the banknotes of the banknotes.
- a third aspect of the present invention provides a financial terminal, where the financial terminal includes:
- Input device for obtaining the user withdrawal amount
- a processor configured for the banknote information and the banknote information of the current financial terminal, and performing banknote calculation according to the user withdrawal amount, the banknote information and the banknote information, and obtaining the banknote dispensing result;
- the output device is configured to invoke the banknote dispensing result, and respectively perform the banknotes of the banknotes and the banknotes of the banknotes.
- the invention After obtaining the user withdrawal information, the invention first acquires the withdrawal amount of the user, all the banknote information of the current financial terminal and the banknote information; and the banknote collection task is distributed according to the banknote information and the banknote information, and the banknote dispensing process will be Combine the banknotes with the banknotes and the banknotes, and then separate the banknotes and the banknotes according to the results of the banknotes. Since the number of banknotes is generally large, the whole bundle of banknotes can meet the needs of the user for large amounts of banknotes, and at the same time, shorten the time for issuing banknotes and reduce the probability of banknote failure; the banknotes can be dispensed with the amount of money required by the user. Banknotes increase the range of user withdrawals and improve the user experience.
- FIG. 1 is a flowchart of a method for controlling cash withdrawal of a financial terminal according to a first embodiment of the present invention
- FIG. 2 is a specific flow chart of step S12 of Figure 1;
- FIG. 3 is a specific flow chart of step S121 of Figure 2;
- FIG. 4 is a specific flow chart of step S122 of Figure 2;
- FIG. 5 is a structural diagram of a cash withdrawal control system for a financial terminal according to a second embodiment of the present invention.
- FIG. 6 is a detailed structural view of the bill dispensing unit 22 of Figure 5;
- FIG. 7 is a structural view of the banknote dispensing module 221 of Figure 6;
- FIG 8 is a structural view of the banknote dispensing module 22 of Figure 6;
- FIG. 9 is a schematic structural diagram of a financial terminal according to a third embodiment of the present invention.
- the financial terminal After receiving the user withdrawal information, the financial terminal first acquires the withdrawal amount of the user, all the banknote information of the current financial terminal and the banknote information; and allocates the banknotes according to the banknote information and the banknote information, and then calls As a result of the banknote dispensing, the banknotes of the banknotes and the banknotes of the banknotes can be separately dispensed according to the results of the banknotes. Therefore, when the user makes a large withdrawal, the combination of the whole bundle of banknotes and the loose banknotes is adopted. The amount of banknotes is generally large, and the whole bundle of banknotes shortens the time for issuing notes and reduces the probability of banknote failure.
- Embodiment 1 is a diagrammatic representation of Embodiment 1:
- FIG. 1 is a flow chart showing a method for controlling a cash withdrawal of a financial terminal according to a first embodiment of the present invention, which is described in detail as follows:
- banknotes and banknotes can only carry out banknotes and banknotes when performing user deposit tasks.
- the cycle machine and cash machine that are put into operation on the market need to check and verify the banknotes one by one, and then hand it over to the banknotes. user.
- This is very suitable for small-volume cash-out occasions.
- the banknotes of banknotes are prone to accidents such as banknotes, resulting in transaction failure; in this case, business rollback processing
- the process is cumbersome and complicated, especially in the case that the user has already received a part of the banknotes, and the banknotes are abnormal, resulting in the failure of the banknotes to meet the withdrawal amount.
- the financial terminal of the present invention firstly:
- Step S11 obtaining a user withdrawal amount, a bundle information of the current financial terminal, and a banknote information
- the bundled banknote refers to putting a plurality of banknotes of the same denomination together to form a bundle and storing it in a financial device. For example, 20 banknotes with a denomination of 100 yuan are bundled into one bundle, or 50 banknotes with a denomination of 20 yuan are bundled into a bundle. The setting of each bundle of banknotes can also be set as needed.
- a banknote is a single banknote of various denominations, such as a banknote with a denomination of 50 yuan.
- the bundle information includes: a bundle type n, a bundle amount A 1 , A 2 , , ..., A n of each bundle and the number of available bundles of each bundle X 1 , X 2, , ... , X n , X ⁇ Z;
- the banknote information includes: the type of the banknote m, the denominations B 1 , B 2, , ..., B m of each banknote and the amount of the banknotes Y 1 , Y 2 for each denomination , ,...,Y m ,Y ⁇ Z.
- Step S12 performing banknote calculation according to the user withdrawal amount, banknote information and banknote information, and obtaining a banknote dispensing result
- the banknotes are dispensed; the current user withdrawal amount M is required for each banknote to be x 1 , x 2 , ..., x n, x ⁇ Z; the number of required notes is y 1 , y 2, , ..., y m , y ⁇ Z; where 0 ⁇ x 1 ⁇ X 1 , 0 ⁇ x 2, ⁇ X 2, ,..., 0 ⁇ x n ⁇ X n ; 0 ⁇ y 1 ⁇ Y 1 , 0 ⁇ y 2, ⁇ Y 2, , ..., 0 ⁇ y m ⁇ Y m .
- M A 1 x 1 + A 2 x 2 + ... + A n x n + B 1 y 1 + B 2 y 2 + ... + B m y m .
- the banknote calculation is performed according to the user withdrawal amount, the banknote information, and the banknote information, and the banknote distribution result is obtained, which specifically includes:
- Step S121 according to the user withdrawal amount and the bundle information, the banknotes of the bundles are dispensed, and the banknote distribution scheme and the banknotes are obtained;
- Step S122 performing a banknote dispensing of a single banknote according to the tailnote number and the banknote information, and determining a banknote dispensing scheme
- Step S123 selecting one of the banknote dispensing schemes, and selecting one of the banknote dispensing schemes according to the banknote ending number corresponding to the selected banknote dispensing scheme;
- Step S124 determining at least one of the banknote dispensing results according to the selected banknote dispensing scheme and the selected banknote dispensing scheme.
- the banknotes respectively select one of the obtained banknote dispensing schemes and one of the banknote dispensing schemes, and can form a banknote matching result matching the user withdrawal amount, and the banknote dispensing result has at least one.
- the banknotes are dispensed according to the user withdrawal amount and the bundle information, and the banknote dispensing scheme and the banknote tailing number are obtained, which specifically includes:
- Step S1211 determining the greatest common divisor of the single bundle amount of each bundle of banknotes according to the bundle information
- Step S1212 determining a banknote ending number according to the user withdrawal amount, so that the difference between the user withdrawal amount and the banknote ending number is divisible by the greatest common divisor of the bundled banknote amount; Satisfaction: 0 ⁇ banknote tail number ⁇ user withdrawal amount;
- Step S1213 determining at least one type of banknote dispensing scheme according to the banknote ending number.
- n-ary integer coefficient indefinite equation s a 1 x 1 +a 2 x 2 +...+a n x n , it is judged whether there are two primes in a 1 , a 2 , , ..., a n
- n-ary integer coefficient indefinite equation s a 1 x 1 +a 2 x 2 +...+a n x n , there are no two primes in (a 1 , a 2, ,..., a n )
- the banknote dispensing of a single banknote is made, and the banknote dispensing scheme is determined, which specifically includes:
- Step S1221 determining the greatest common divisor of the banknote endings and the banknote denomination according to the banknote information
- Step S1222 Determine at least one type of banknote dispensing scheme according to at least one of the banknotes issuing rules, in combination with the maximum common divisor of the banknotes and the banknote denomination.
- the bundle amount of each banknote can be regarded as the denomination of the banknotes.
- a bundle of 10 bundles of 100 dollar bills can be regarded as a bundle.
- the financial terminal equipment is equipped with two kinds of banknotes, 15 bundles of 10,000 yuan, 15 bundles of 15,000 yuan, and 10 bundles of 15,000 bundles.
- the method of dispensing money of the banknotes can be divided into five types: an average billing method, a moving average method, a total number of sheets minimum method, a maximum denomination priority method, and a minimum denomination priority method.
- step S13 the banknote dispensing result is invoked, and the banknotes of the banknotes and the banknotes of the banknotes are respectively dispensed.
- the invoking the banknote dispensing result, respectively, the banknotes of the banknotes and the banknotes of the banknotes, including:
- the banknote dispensing result is called, and the banknotes of the banknotes and the banknotes of the banknotes are separately dispensed.
- the banknotes are selected according to the default banknotes selected by the financial terminal, that is, according to the minimum number of banknotes w, that is, the banknotes are bundled.
- the scheme with the largest amount of banknotes is used for banknotes.
- the banknotes can minimize the time for banknotes, save time for financial terminals, and reduce the probability of failure.
- the method further comprises:
- the current financial terminal after receiving the withdrawal amount input by the user, first determining the withdrawal amount: if the user withdrawal amount cannot be divisible by the maximum bundle amount of the bundled denomination, the current financial terminal cannot be given The amount of withdrawal required by the user, the payment of the banknote failed.
- the financial terminal equipment is equipped with two kinds of bundles, 15 bundles of 10,000 yuan and 15 bundles (that is, 15 bundles of bundles with a value of 10,000 yuan), 10 bundles of 15,000 bundles, and 10 bundles.
- the user's withdrawal amount is distributed according to the obtained banknote information and the banknote information of the current financial terminal, and the banknote dispensing result is obtained, and the banknotes and the banknotes are respectively dispensed at the time of dispensing the banknotes.
- the banknotes of the banknotes yield at least one type of banknotes, and then the banknotes are issued according to the selected banknotes.
- the banknotes are bundled, the amount of bundles of bundles can be large, which satisfies the need for large amounts of banknotes.
- the combination of the banknotes and the banknotes are combined to calculate the banknotes, so that the banknotes can be bundled.
- the result of the banknote is as large as possible, the banknotes are as small as possible, and the time for banknotes is further shortened; and because of the multiple banknotes obtained during the banknote dispensing process, the user can also select the banknotes as needed to improve the user.
- the banknotes are as large as possible, the banknotes are as small as possible, and the time for banknotes is further shortened; and because of the multiple banknotes obtained during the banknote dispensing process, the user can also select the banknotes as needed to improve the user.
- the size of the sequence numbers of the foregoing processes does not mean the order of execution sequence, and the execution order of each process should be determined by its function and internal logic, and should not be implemented in the embodiment of the present invention. Form any limit.
- Embodiment 2 is a diagrammatic representation of Embodiment 1:
- FIG. 2 is a structural diagram of a cash withdrawal control system for a financial terminal according to a second embodiment of the present invention. For the convenience of description, only parts related to the embodiment of the present invention are shown.
- the cash withdrawal control system of the financial terminal comprises: an information acquisition unit 21, a banknote dispensing unit 22, and a cash dispensing unit 23; wherein:
- the information obtaining unit 21 is configured to acquire a user withdrawal amount, a bundle information of the current financial terminal, and banknote information;
- the information obtaining unit 21 acquires the current amount M of the current user withdrawal, and acquires the bundle information and the banknote information of the current financial terminal, wherein the bundle of banknotes puts a plurality of banknotes of the same denomination together to form a bundle and is deposited in the financial
- 20 banknotes with a denomination of 100 yuan are bundled into one bundle, or 50 banknotes with a denomination of 20 yuan are bundled into a bundle, and the setting of each bundle of banknotes can also be set as needed.
- a banknote is a single banknote of various denominations, such as a banknote with a denomination of 50 yuan.
- the bundle information includes: a bundle type n, a bundle amount A 1 , A 2 , , ..., A n of each bundle and the number of available bundles of each bundle X 1 , X 2, , ... , X n , X ⁇ Z;
- the banknote information includes: the type of the banknote m, the denominations B 1 , B 2, , ..., B m of each banknote and the amount of the banknotes Y 1 , Y 2 for each denomination , ,...,Y m ,Y ⁇ Z.
- the dispensing unit 22 is configured to perform a banknote calculation according to the user withdrawal amount, the banknote information and the banknote information, and obtain a banknote dispensing result;
- the banknotes of the current financial terminal and the banknotes are dispensed; the amount of each banknote required for the current user withdrawal amount M is set to x 1 , x 2, respectively . ,...,x n ,x ⁇ Z; the number of required notes is y 1 , y 2, ,...,y m ,y ⁇ Z; where 0 ⁇ x 1 ⁇ X 1 ,0 ⁇ x 2, ⁇ X 2, ,..., 0 ⁇ x n ⁇ X n ; 0 ⁇ y 1 ⁇ Y 1 , 0 ⁇ y 2, ⁇ Y 2, , ..., 0 ⁇ y m ⁇ Y m .
- M A 1 x 1 + A 2 x 2 + ... + A n x n + B 1 y 1 + B 2 y 2 + ... + B m y m .
- the banknote dispensing unit 22 specifically includes:
- the banknote dispensing module 221 is configured to perform banknote dispensing according to the user withdrawal amount and the banknote information, and obtain a banknote dispensing scheme and a banknote ending number;
- the banknote dispensing and dispensing module 222 is configured to perform a banknote dispensing of a single banknote according to the tailnote number and the banknote information, and determine a banknote dispensing scheme;
- the banknote arrangement selection module 223 is configured to select one of the banknotes and banknotes, and select one of the banknotes and banknotes according to the banknotes corresponding to the banknotes of the selected banknotes;
- the banknote result determining module 224 is configured to determine at least one of the banknote dispensing results according to the selected banknote dispensing scheme and the selected banknote dispensing scheme.
- the banknotes respectively select one of the obtained banknote dispensing schemes and one of the banknote dispensing schemes, and can form a banknote matching result matching the user withdrawal amount, and the banknote dispensing result has at least one.
- the banknote dispensing module 221 specifically includes:
- the first common number determining module 2211 is configured to determine, according to the bundle information, a greatest common divisor of the bundle amount of each bundle;
- the banknote dispensing solution determining module 2212 is configured to determine a banknote ending number according to the user withdrawal amount, so that the difference between the user withdrawal amount and the banknote ending number can be maximized by the single bundle amount of the bundled banknote
- the number of divisors is equal to: the number of tails of the banknotes is satisfied: 0 ⁇ the number of tails of the banknotes ⁇ the amount of withdrawals by the user; and at least one type of banknotes and banknotes is determined according to the number of banknotes.
- the banknote dispensing module 222 specifically includes:
- the second common number determining module 2221 is configured to determine, according to the loose note information, a maximum common divisor of the banknote ending number and the banknote denomination;
- the banknote dispensing solution determining module 2222 is configured to determine at least one type of banknote dispensing solution according to at least one of the banknotes issuing rules and the maximum common divisor of the banknotes and the banknote denomination.
- the bundle amount of each bundle of bundles can be regarded as the denomination of the banknotes.
- a bundle of 10 bundles of 100 yuan bills can be regarded as one bundle.
- the financial terminal equipment is equipped with two kinds of banknotes, 15 bundles of 10,000 yuan, 15 bundles of 15,000 yuan, and 10 bundles of 15,000 bundles.
- the method of dispensing money of the banknotes can be divided into five types: an average billing method, a moving average method, a total number of sheets minimum method, a maximum denomination priority method, and a minimum denomination priority method.
- the cash dispensing unit 23 is configured to call the banknote dispensing result, and respectively dispenses the banknotes of the banknotes and the banknotes of the banknotes.
- the cash dispensing unit 23 comprises:
- the first cash dispensing module is configured to call the banknote dispensing result with the smallest number of banknotes, and the banknotes of the banknotes and the banknotes of the banknotes;
- the second cash dispensing module is configured to call the banknote dispensing result according to the user's selection, and respectively perform the banknotes of the banknotes and the banknotes of the banknotes.
- the banknotes are selected according to the default banknotes selected by the financial terminal, that is, according to the minimum number of banknotes w, that is, the banknotes are bundled.
- the scheme with the largest amount of money is issued
- the banknotes can reduce the time for banknotes, save time for financial terminals, and reduce the probability of failure.
- the cash-out control system of the financial terminal further includes:
- the third convention number determining unit is used to determine the maximum common denomination of the bundle amount of the bundle and the denomination of the banknote;
- the withdrawal amount judging unit is configured to determine whether the user withdrawal amount can be divisible by the maximum bundle amount of the bundled banknotes and the maximum common denomination of the banknote denomination; if the user withdrawal amount cannot be the bundled amount of the bundled bundle When the maximum common divisor of the denomination of the banknote is divisible, the result of the failure to return the banknote is returned.
- the current financial terminal after receiving the withdrawal amount input by the user, first determining the withdrawal amount: if the user withdrawal amount cannot be divisible by the maximum bundle amount of the bundled denomination, the current financial terminal cannot be given The amount of withdrawal required by the user, the payment of the banknote failed.
- the financial terminal equipment is equipped with two kinds of bundles, 15 bundles of 10,000 yuan and 15 bundles (that is, 15 bundles of bundles with a value of 10,000 yuan), 10 bundles of 15,000 bundles, and 10 bundles.
- the information obtaining unit acquires the banknote information and the banknote information of the current financial terminal, and the banknote dispensing unit dispenses the banknotes of the user, and obtains the banknote dispensing result, and respectively bundles the banknotes when dispensing the banknotes.
- the banknotes of the banknotes and the banknotes of the banknotes yield at least one type of banknotes, and then the banknotes are issued according to the selected banknotes, and the bundles of bundles can be large when the bundles are discharged. It satisfies the need of large-value banknotes, shortens the time for issuing notes, and reduces the probability of failure when the banknotes are issued.
- the banknotes can be used to issue the amount of money required by the user, increasing the range of the amount of money issued by the user;
- the combination of the banknotes and the banknotes and the banknotes are calculated, so that the banknotes can be as large as possible, and the banknotes are as small as possible, further shortening.
- the time for issuing the banknotes; and because of the multiple banknotes obtained during the banknote dispensing process, the user can also select the banknotes as needed to improve the user experience.
- Embodiment 3 is a diagrammatic representation of Embodiment 3
- FIG. 3 is a schematic structural diagram of a financial terminal according to a third embodiment of the present invention. For convenience of description, only parts related to the embodiment of the present invention are shown.
- the financial terminal includes: an input device 31, a processor 32, and an output device 33:
- the input device 31 is configured to receive a user withdrawal amount input by the user
- the user inputs the withdrawal amount through the input device 31, and at the same time, the input device 31 acquires the banknote information and the banknote information of the current financial terminal, wherein the banknote refers to putting together a plurality of banknotes of the same denomination to form a bundle and storing the bundle in the financial device.
- the banknote refers to putting together a plurality of banknotes of the same denomination to form a bundle and storing the bundle in the financial device.
- 20 banknotes with a denomination of 100 yuan are bundled into one bundle, or 50 banknotes with a denomination of 20 yuan are bundled into a bundle.
- the setting of each bundle of banknotes can also be set as needed.
- a banknote is a single banknote of various denominations, such as a banknote with a denomination of 50 yuan.
- the bundle information includes: a bundle type n, a bundle amount A 1 , A 2 , , ..., A n of each bundle and the number of available bundles of each bundle X 1 , X 2, , ... , X n , X ⁇ Z;
- the banknote information includes: the type of the banknote m, the denominations B 1 , B 2, , ..., B m of each banknote and the amount of the banknotes Y 1 , Y 2 for each denomination , ,...,Y m ,Y ⁇ Z.
- the processor 32 is configured to obtain the banknote information and the banknote information of the current financial terminal, and perform banknote calculation according to the user withdrawal amount, the banknote information and the banknote information, and obtain a banknote dispensing result;
- the processor is specifically configured to:
- the banknotes of the bundles are dispensed, and the banknote distribution scheme and the banknote tailnote are obtained; according to the banknote tailnotes and the banknote information, the banknotes of the banknotes are dispensed, Determining a banknote dispensing scheme; selecting one of the banknote dispensing schemes, selecting one of the banknote dispensing schemes according to the number of banknotes corresponding to the selected banknote dispensing scheme; The banknote dispensing scheme and the selected banknote dispensing scheme determine at least one of the banknote dispensing results.
- the processor performs the whole banknote dispensing according to the user withdrawal amount and the bundle information, and obtains the banknote dispensing scheme and the banknote ending number, specifically for:
- Determining a maximum common divisor of the bundle amount of each bundle according to the bundle information determining a tail of the banknote according to the withdrawal amount of the user, so that the difference between the withdrawal amount of the user and the tail of the banknote can be described
- the maximum common divisor of the bundled bundle amount is divisible; the banknote mantissa meets: 0 ⁇ banknote tail number ⁇ user withdrawal amount; at least one type of banknote dispensing scheme is determined according to the banknote tail number.
- the processor when the processor performs the banknote dispensing according to the banknote tailnote and the banknote information, and determines the banknote dispensing scheme, the processor is specifically configured to:
- Determining, according to the banknote information, a maximum common divisor of the banknote endings and the banknote denomination; determining at least one of the banknotes according to at least one of the banknotes and the maximum common divisor of the banknote denominations The banknote dispensing scheme.
- the banknotes of the current financial terminal and the banknotes are dispensed; the amount of each banknote required for the current user withdrawal amount M is set to x 1 , x 2, respectively . ,...,x n ,x ⁇ Z; the number of required banknotes is y 1 , y 2, ,...,y m ,y ⁇ Z; where 0 ⁇ x 1 ⁇ X 1 ,0 ⁇ x 2, ⁇ X 2, ,..., 0 ⁇ x n ⁇ X n ; 0 ⁇ y 1 ⁇ Y 1 , 0 ⁇ y 2, ⁇ Y 2, , ..., 0 ⁇ y m ⁇ Y m .
- M A 1 x 1 + A 2 x 2 + ... + A n x n + B 1 y 1 + B 2 y 2 + ... + B m y m .
- the banknotes respectively select one of the obtained banknote dispensing schemes and one of the banknote dispensing schemes, and can form a banknote matching result matching the user withdrawal amount, and the banknote dispensing result has at least one.
- the bundle amount of each bundle of bundles can be regarded as the denomination of the banknotes.
- a bundle of 10 bundles of 100 yuan bills can be regarded as one bundle.
- the method of dispensing money of the banknotes can be divided into five types: an average billing method, a moving average method, a total number of sheets minimum method, a maximum denomination priority method, and a minimum denomination priority method.
- an average billing method a moving average method
- a total number of sheets minimum method a maximum denomination priority method
- a minimum denomination priority method a method that specifies the minimum denomination priority method.
- the output device 33 is configured to call the banknote dispensing result to respectively perform banknotes for banknotes and banknotes for banknotes.
- the output device is specifically configured to:
- the banknotes of the banknotes and the banknotes of the banknotes are separately dispensed.
- the banknotes are selected according to the default banknotes selected by the financial terminal, that is, according to the minimum number of banknotes w, that is, the banknotes are bundled.
- the scheme with the largest amount of banknotes is used for banknotes.
- the banknotes can minimize the time for banknotes, save time for financial terminals, and reduce the probability of failure.
- the processor is further configured to:
- the device is further configured to return a banknote failure result when the user withdrawal amount cannot be divisible by the single bundle amount of the bundled banknote and the maximum common denomination of the banknote denomination.
- first determining the withdrawal amount if the user withdraws the amount If the single bundle amount that cannot be bundled is divisible by the maximum common denomination of the banknote denomination, the current financial terminal cannot give the amount of withdrawal required by the user, and the banknote fails.
- the financial terminal equipment is equipped with two kinds of bundles, 15 bundles of 10,000 yuan and 15 bundles (that is, 15 bundles of bundles with a value of 10,000 yuan), 10 bundles of 15,000 bundles, and 10 bundles.
- the input device acquires the banknote information and the banknote information of the current financial terminal, and the processor allocates the banknotes to the user's withdrawal amount, and obtains the banknote dispensing result, and separately distributes the banknotes when dispensing the banknotes.
- the banknotes of the banknotes and the banknotes are at least one type of banknotes, and then the output device performs the banknotes according to the selected banknotes.
- the banknotes When the banknotes are bundled, the amount of bundles can be large, which satisfies the large The need for cash withdrawal, while shortening the time for issuing notes, reduces the probability of failure when the banknotes are issued; and the banknotes can be used to issue the amount of money required by the user, increasing the range of the amount of money issued by the user;
- the banknotes when calculating the banknotes, the banknotes are combined with the banknotes and the banknotes are combined to calculate, so that the banknotes can be as large as possible, and the banknotes are as small as possible, further shortening the time of banknotes. And because a variety of banknotes are obtained during the dispensing process, the user can also select the banknotes as needed to improve the user experience.
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Abstract
一种金融终端的出钞控制方法、***及金融终端。该方法包括:获取用户取款额度、当前金融终端的捆钞信息及散钞信息(S11);根据用户取款额度、捆钞信息及散钞信息进行配钞计算,得出配钞结果(S12);调用配钞结果,分别进行捆钞的出钞和散钞的出钞(S13)。配钞过程中将捆钞配钞和散钞技术相结合,然后根据配钞结果分别进行捆钞和散钞的出钞。由于捆钞数量一般比较大,整捆出钞时可以满足用户大额出钞的需要,同时缩短出钞时间,减少出钞故障的概率;散钞出钞又可以点出用户所需数量的散钞,增加了用户出钞额的范围,提高用户体验。
Description
本发明实施例属于金融设备技术领域,尤其涉及一种金融终端的出钞控制方法、***及金融终端。
随着计算机技术和通信技术在金融行业的应用和发展,人们对金融自助终端(如:自动取款机,(Automatic Teller Machine,ATM))的依赖越来越强。目前金融自助终端,在出钞时大都是从钞箱中一张一张挖钞出来,然后进行选择和鉴别,合格钞票堆放到暂存器,不合格钞票会被回收到废钞箱,这个过程一般称为点钞,点钞出本次业务需要的钞票数,然后再将暂存器上堆叠的钞票送至出钞口让用户拿取。目前机芯点钞性能一般是每秒8张,如果是大额取款,点钞的时间就比较长,加上之间可能发生回收的费时,如果钞箱钞票质量比较差钞票回收率高,那点钞时间就更长。一般来说出钞500张高质量钞票至少需要一分多钟,如果钞票质量低可能需要两分多钟或更多,有时甚至发生卡钞事故。由于大额出钞时出钞量是平时一般取款业务的几倍,甚至几十倍,因此机芯卡钞的概率也是一般取款业务的几倍和几十倍,甚至更高,就实际工作时间来说机芯的利用率并不高;同时大额取款时,由于出钞张数多,出钞用时也多,且卡钞故障率的增高导致冲正业务成倍增长,给银行***和网络带来了很多不必要的开销。
故,需要提出一种新的金融终端的出钞控制方法,以解决上述技术问题。
发明内容
本发明提供了一种金融终端出钞控制方法、***及金融终端,旨在解决现有技术提供的出钞方法中,大额出钞情况下,不能在快速出钞的同时,按照用户需求的出钞数量进行出钞的问题。
本发明第一方面,提供了一种金融终端的出钞控制方法,所述金融终端的出钞控制方法包括:
获取用户取款额度、当前金融终端的捆钞信息及散钞信息;
根据所述用户取款额度、捆钞信息及散钞信息进行配钞计算,得出配钞结果;
调用所述配钞结果,分别进行捆钞的出钞和散钞的出钞。
本发明第二方面,提供一种金融终端的出钞控制***,所述金融终端的出钞控制***包括:
信息获取单元,用于获取用户取款额度、当前金融终端的捆钞信息及散钞信息;
配钞单元,用于根据所述用户取款额度、捆钞信息及散钞信息进行配钞计算,得出配钞结果;
出钞单元,用于调用所述配钞结果,分别进行捆钞的出钞和散钞的出钞。
本发明第三方面,提供一种金融终端,所述金融终端包括:
输入设备,用于获取用户取款额度;
处理器,用于当前金融终端的捆钞信息及散钞信息,并根据所述用户取款额度、捆钞信息及散钞信息进行配钞计算,得出配钞结果;
输出设备,用于调用所述配钞结果,分别进行捆钞的出钞和散钞的出钞。
本发明在获取用户取款信息后,首先获取用户的取款额度,当前金融终端所有的捆钞信息以及散钞信息;根据捆钞信息及散钞信息对用户取款任务进行配钞,配钞过程中将捆钞配钞和散钞技术相结合,然后根据配钞结果分别进行捆钞和散钞的出钞。由于捆钞数量一般比较大,整捆出钞时可以满足用户大额出钞的需要,同时缩短出钞时间,减少出钞故障的概率;散钞出钞又可以点出用户所需数量的散钞,增加了用户出钞额的范围,提高用户体验。
图1是本发明第一实施例提供的一种金融终端的出钞控制方法的流程图;
图2是图1中步骤S12的具体流程图;
图3是图2中步骤S121的具体流程图;
图4是图2中步骤S122的具体流程图;
图5是本发明第二实施例提供的一种金融终端的出钞控制***的结构图;
图6是图5中配钞单元22的具体结构图;
图7是图6中捆钞配钞模块221的结构图;
图8是图6中散钞配钞模块22的结构图;
图9是本发明第三实施例提供的一种金融终端的结构示意图。
为了使本发明的目的、技术方案及优点更加清楚明白,以下结合附图及实施例,对本发明进行进一步详细说明。应当理解,此处所描述的具体实施例仅仅用以解释本发明,并不用于限定本发明。
本发明金融终端在接收到用户取款信息后,首先获取用户的取款额度,当前金融终端所有的捆钞信息以及散钞信息;根据捆钞信息及散钞信息对用户取款任务进行配钞,然后调用一种配钞结果,按所调用配钞结果分别进行捆钞的出钞和散钞的出钞即可。从而在用户进行大额取款时候,采用整捆出钞和零散出钞相结合的方式。捆钞数量一般比较大,整捆出钞缩短出钞时间,减少出钞故障的概率。
为了说明本发明所述的技术方案,下面通过具体实施例来进行说明。
实施例一:
图1示出了本发明第一实施例提供的一种金融终端的出钞控制方法的流程图,详述如下:
当前金融终端设备,在进行用户存款任务时一般只能进行散钞出钞,如市面上投入运营的循环一体机、取款机,均需要对钞票一张一张进行清点和验证,然后才交给用户。这很适合小额出钞使用场合,对于大额出钞,尤其一次出钞量大,散钞的出钞方式,容易发生卡钞等意外情况,导致交易失败;此种情况下业务滚回处理过程繁琐复杂,尤其是在用户已经拿到一部分钞票的情况下发生出钞异常,导致出钞未能满足取款金额的情况,由于涉及金额大,容易给银行大客户带来不满,给银行优质服务带来的损害也大。因此,为了弥补散钞出钞方式在大额出钞时的不足,本实施例提出的金融终端的出钞控制方法中首先:
步骤S11,获取用户取款额度、当前金融终端的捆钞信息及散钞信息;
该步骤中,获取当前用户取款的额度M,同时获取当前金融终端的捆钞信息和散钞信息,其中,捆钞是指将多张同一面额的钞票放在一起形成一捆存放在金融设备中,例如将20张面额为100元的钞票捆成一捆,或将50张面额为20元的钞票捆成一捆,具体每捆钞票如何设置也可根据需要进行设置。散钞即各种面额的单张钞票,例如一张面额为50元的钞票。所述捆钞信息包括:捆钞种类n,每种捆钞的单捆金额A1,A2,,…,An及每种捆钞的可用捆钞的数量X1,X2,,…,Xn,X∈Z;所述散钞信息包括:散钞种类m,每种散钞的面额B1,B2,,…,Bm及每种面额可用散钞数量Y1,Y2,,…,Ym,Y∈Z。
步骤S12,根据所述用户取款额度、捆钞信息及散钞信息进行配钞计算,得出配钞结果;
根据用户取款额度M,和当前金融终端的捆钞及散钞信息进行配钞;设当前用户取款额度M配钞时所需的每种捆钞的数量分别为x1,x2,,…,xn,x∈Z;所需散钞的数量分别为y1,y2,,…,ym,y∈Z;其中,0≤x1≤X1,0≤x2,≤X2,,…,0≤xn≤Xn;0≤y1≤Y1,0≤y2,≤Y2,,…,0≤ym≤Ym。则有:M=A1x1+A2x2+...+Anxn+B1y1+B2y2+...+Bmym。
如图2所示,优选地,所述根据所述用户取款额度、捆钞信息及散钞信息进行配钞计算,得出配钞结果,具体包括:
步骤S121,根据所述用户取款额度和捆钞信息进行整捆出钞的配钞,得出捆钞配钞方案及配钞尾数;
步骤S122,根据所述配钞尾数及散钞信息进行单张出钞的配钞,确定散钞配钞方案;
步骤S123,选择所述捆钞配钞方案中的一种,根据所选捆钞配钞方案对应的配钞尾数,选择散钞配钞方案中的一种;
步骤S124,根据所选捆钞配钞方案及所选散钞配钞方案确定至少一种的配钞结果。
具体地,在对用户的取款额度M进行配钞时,首先确定一个配钞尾数w,根据配钞尾数w进行捆钞的配钞,此时有:w=B1y1+B2y2+...+Bmym,因此,设捆钞配钞总金额为S,则有:M-w=S=A1x1+A2x2+...+Anxn。因此,根据配钞尾数w确定出x1,x2,,…,xn的值,即可确定捆钞的配钞方案。然后根据确定的配钞尾数w,由公式w=B1y1+B2y2+...+Bmym确定y1,y2,,…,ym的值,进而确定散钞的配钞方案。
对于一个确定的配钞尾数w,方程w=B1y1+B2y2+...+Bmym可以有多组解,即每个确定的配钞尾数w对应至少一种配钞方案;而在配钞尾数确定的情况下,对于方程M-w=S=A1x1+A2x2+...+Anxn也可以有至少一组解;因此根据确定的配钞尾数分别选择所得出的捆钞配钞方案中的一种和散钞配钞方案中的一种,能够组成与用户取款额度匹配的配钞结果,所述配钞结果至少有一种。
如图3所示,优选地,所述根据所述用户取款额度和捆钞信息进行整捆出钞的配钞,得出捆钞配钞方案及配钞尾数,具体包括:
步骤S1211,根据所述捆钞信息确定每种捆钞的单捆金额的最大公约数;
步骤S1212,根据所述用户取款额度确定配钞尾数,以使所述用户取款额度与所述配钞尾数之差可被所述捆钞的单捆金额的最大公约数整除;所述配钞尾数满足:0≤配钞尾数≤用户取款额度;
步骤S1213,根据所述配钞尾数确定至少一种的捆钞配钞方案。
具体地,在确定捆钞的配钞方案时,确定方程M-w=S=A1x1+A2x2+...+Anxn的整数解即可。此时,首先确定每种捆钞的单捆金额A1,A2,,…,An的最大公约数(greatest common divisor,gcd),记为gcd(A1,A2,,…,An);确定一个配钞尾数w,使得(M-w)满足:
0≤(M-w)≤M,并能被gcd(A1,A2,,…,An)整除;根据确定的配钞尾数w得出方程M-w=S=A1x1+A2x2+...+Anxn的整数解。另外,若S不能被gcd(A1,A2,,…,An)整除,则当前配钞尾数w下,捆钞配钞失败,调整配钞尾数w后再进行捆钞配钞。
下面详细介绍S=A1x1+A2x2+...+Anxn的整数解的求解过程。
对于方程:S=A1x1+A2x2+...+Anxn(1)
如果n元一次整系数不定方程S=A1x1+A2x2+...+Anxn,满足gcd(A1,A2,,…,An)大于1,则将方程两边整除gcd(A1,A2,,…,An),得到n元一次整系数不定方程s=a1x1+a2x2+...+anxn,其中gcd(a1,a2,,…,an)=1。
对于n元一次整系数不定方程s=a1x1+a2x2+...+anxn中,判断a1,a2,,…,an中是否存在两个互质的系数,若存在,不妨设其两个互质系数为(a1,a2,),则方程s=a1x1+a2x2+...+anxn转化为a1x1+a2x2=s-(a3x3+...+anxn)。设a1x1+a2x2=1的一个特解为(x01,x02)(方程a1x1+a2x2=1引用下述方法求特解),则s=a1x1+a2x2+...+anxn的通解为:其中t,x3-,x4,…,xn∈Z,根据t的取值范围结合用户取款额度即可得出多组捆钞的配钞方案。
方程a1X1+a2X2=m的特解求解方法
求型如二元一次整系数不定方程a1X1+a2X2=m,其中gcd(a1,a2)=1的通解公式X1=X01+a2t,X2=X02-a1t其中t为取整数的自由变量,X01、X02为a1X1+a2X2=m一个特解,求二元一次不定方程a1X1+a2X2=m的一个特解的实质就是找出整数x10,x20使a与b的线性组合满足a1x10+a2x20=m。
可以利用矩阵的初等行变换,以下是其特解求解方法:
2a)给矩阵的某行元素乘以一个非零整数得到新的一行;
2b)给矩阵的某行元素乘以整数k(k≠0)加到矩阵的另一行对应元素上去得到新的一行。
线性组合的方法之一就是采用辗转相除法取余数方法:由于a1与a2互质,,辗转相除的余数不会为零。不妨设a1>a2,则a1可以表示为a1=k1a2+r1(r1<a2),如果r1≠1,则a2可以表示为a2=k2r1+r2(r2<r1),如果r2≠1继续下去,直到ri=1为止。如
若n元一次整系数不定方程s=a1x1+a2x2+...+anxn,(a1,a2,,…,an)中不存在两个互质的系数,由于a1,a2,···,an的绝对值都大于1,调用绝对值最小的一个系数,设为a1,a1>0,则其他写书可以表示为:ai=kia1+ri,0≤ri<a1(i=2,3,···,n).此时原方程可转化为:a1(x1+k2x2+···+knxn)+r2x2+r3x3+···+rnxn=S.若a1,r2,r3,···,rn中有某两个互质,则按上述s=a1*x1+a2*x2+…+an*xn,(a1,a2)互质中所述方法得出方程a1(x1+k2x2+···+knxn)+r2x2+r3x3+···+rnxn=S的解。若a1,r2,r3,···,rn中任何两个都不互质,再次调用其中最小的系数,将其他系数用该最小系数表示,再次进行转化,一直到有两个互质为止。再得出转化后方程的解。如6x+10y+15z=1170可以转化为6(x+y+2z)+4y+3z=1170,令u=x+y+2z,则6u+4y+3z=1170,其中y的系数4与z的系数3互质了。按照上述方法求解即可。
下面结合具体实例对上述方程(1)的求解过程进行说明:
假设金融终端有四种捆钞,每种捆钞单捆金额为100元、50元、20元、15元,即A1=100,A2=50,A3=20,A4=15。剩余可用钞票捆数分别为:X1=15,X2=10,X3=18,X4=20。如果用户输取款额度为156元5,由于100、50、20、15的最大公约数为5,1565%gcd(100,50,20,5)=0,根据100x1+50x2+20x3+15x4=1565,两边同除5,得到20x1+10x2+4x3+3x4=313,由于x3、x4互质,所以方程变为二元一次方程:4x3+3x4=313-20x1-10x2,由于4x3+3x4=1的通解为:则4x3+3x4=313-20x1-10x2的通解为:即
由0≤x1≤X1,0≤x2≤X2,0≤x3≤X3,0≤x4≤X4和X1=15,X2=10,X3=18,X4=20得到0≤X1≤15,0≤X2≤10,0≤X3≤18,0≤X4≤20,则-87≤313-20x1-10x2≤313,确定t的取值范围为-145≤t≤527。
t的取值总共有145+527+1=673个,t可取-145,-144,-143….526,527中任意一个,每一个t值可得到一组x1,x2,x3,x4值。
如图4所示,优选地,所述根据所述配钞尾数及散钞信息,进行单张出钞的配钞,确定散钞配钞方案,具体包括:
步骤S1221,根据所述散钞信息,确定配钞尾数与散钞面额的最大公约数;
步骤S1222,根据至少一种的散钞出钞规则,结合所述配钞尾数与散钞面额的最大公约数,确定至少一种的散钞配钞方案。
具体地,在得出捆钞配钞方案后,根据确定的配钞尾数w对散钞进行配钞。由w=B1y1+B2y2+...+Bmym,可知,在对散钞进行配钞时,确定w,B1,B2,…Bm的最大公约数,然后按照方程(1)的求解方法,得出方程w=B1y1+B2y2+...+Bmym的整数解即可得到散钞的配钞方案。
可选地,在根据用户取款额度进行配钞时,可以将每种捆钞的单捆金额视为散钞的面额,例如可以将单捆由10张100元钞票组成的捆钞看做一张面额为1000元的散钞,然后将其和散钞一并进行配钞;其方法为:用户取款额度满足:M=(A1x1+A2x2+...+Anxn)+(B1y1+B2y2+...+Bmym),可根据以下四种配钞原则进行配钞:
下面结合具体用户取款实例进行说明:
假设金融终端设备配备有两种捆钞,1万元一捆有15捆,1.5万元一捆有10捆,另有两种可进行散钞出钞的面额50元的有12张,面额为20元的有10张,即A1=10000,A2=15000,X1=15,X2=10,B1=50,B2=20,Y1=12,Y2=10。
如果用户输入金额为35550元,首先35550<(10000×15+15000×10+50×12+20×10),进一步计算配钞有:10000x1+15000x2+50y1+20y2=M,有10000x1+15000x2=M-50y1-20y2=S,gcd(10000,15000)=5000,由于不大于35550且能被5000整除的数为35000,令S=35000,计算10000x1+15000x2=35000,得2x1+3x2=7,对方程进行举证转换可得到x1=-7+3t,x2=7-2t,由于由0≤x1≤15,0≤x2≤10,可得t为整数,可取t=3,可得x1=2,x2=1。此时有50y1+20y2=550,得5y1+2y2=55,矩阵转换可得到y1=55+2t,y2=-110-5t,由于0≤y1≤12,0≤y2≤10可确定t的取值范围为-24≤t≤-22。
优选地,散钞的出钞方式可分为平均出钞法、均空法、总张数最小法、最大面额优先法、最小面额优先法等五种。
如果是均空法,有y1-y2≈12-10+σ=2+σ,其中|σ|尽可能小,即163+7t=σ,又-24≤t≤-22,所以t=-23,σ=2,y1=9,y2=5为所求散钞配钞方案。
如果是总张数最小法,有(y1+y2)尽可能小,则(-55-3t)尽可能小,又-24≤t≤-22,得到t=-22,y1=11,y2=0为所求散钞配钞方案。
如果是最大面额优先法,有y1尽可能大,则55+2t尽可能大,又-24≤t≤-22,得到t=-22,y1=11,y2=0为所求散钞配钞方案。
如果是最小面额优先法,有y2尽可能大,则-110-5t尽可能大,又-24≤t≤-22,得到t=-24,y1=7,y2=10为所求散钞配钞方案。
又如:当用户取款金额为135550元时,首先对所述取款金额进行判断:135550<(10000x15+15000x10+50x12+20x10),当取款金额小于金融终端持有总金额时,进行配钞:10000x1+15000x2+50y1+20y2=M,有10000x1+15000x2=M-50y1-20y2=S。其中,gcd(10000,15000)=5000,由于不大于135550且能被5000整除的数135000,另m=135000,计算10000x1+15000x2=135000,得2x1+3x2=27。对方程进行矩阵转换可得到x1=-27+3t,x2=27-2t,由于由0≤x1≤15,0≤x2≤10,可得9≤t≤13,t为整数,可取t=9、10、11、12、13,可得多组解:t=9,x1=0,x2=9、t=10,x1=3,x2=7、t=11,x1=6,x2=5、t=12,x1=9,x2=3、t=13,x1=12,x2=1。在进行散钞配钞时方法同上,在此不再赘述。
步骤S13,调用所述配钞结果,分别进行捆钞的出钞和散钞的出钞。
优选地,所述调用所述配钞结果,分别进行捆钞的出钞和散钞的出钞,包括:
调用出钞尾数最小的配钞结果,分别进行捆钞的出钞和散钞的出钞;
或,根据用户选择,调用配钞结果,分别进行捆钞的出钞和散钞的出钞。
具体地,在根据用户取款额度进行配钞得出配钞结果后,在用户不做选择时,按照金融终端默认所选的配钞结果进行出钞,即按照配钞尾数w最小,即捆钞出钞量最大的方案进行出钞,此中方案出钞可以使出钞时间最少,节约金融终端出钞时间,减少出现故障的概率。另外,还可以根据用户的选择进行出钞。例如用户可以选择出钞的整捆数最多或散钞的总张数最少等。
优选地,在所述根据所述用户取款额度、捆钞信息及散钞信息进行配钞计算,得出配钞结果之前,还包括:
确定捆钞的单捆金额与散钞面额的最大公约数;
判断所述用户取款金额是否能被所述捆钞的单捆金额与散钞面额的最大公约数整除;
在所述用户取款金额不能被所述捆钞的单捆金额与散钞面额的最大公约数整除时,返回配钞失败结果。
具体地,在接收到用户输入的取款额度后,首先对取款金额进行判断:如果用户取款额度不能被捆钞的单捆金额与散钞面额的最大公约数整除,则说明当前金融终端无法给出用户所需取款金额,出钞失败。
例如:假设金融终端设备配备有两种捆钞,1万元一捆有15捆(即,一捆有1万元金额的钞票有15捆),1.5万元一捆有10捆,另有两种可进行散钞出钞的面额50元的有12张,面额为20元的有10张,即A1=10000,A2=15000,X1=15,X2=10,B1=50,B2=20,Y1=12,Y2=10。
如果用户取款金额为35545元,由于(10000,15000,50,20)的最大公约数为10,35545%gcd(50,20)=5≠0,所以配钞失败;
或用户取款金额为135545元,由于(10000,15000,50,20)的最大公约数为10,135545%gcd(50,20)=5≠0,同样当前金融终端无法给出用户所述金额,配钞失败。
本发明第一实施例中,根据所获取当前金融终端的捆钞信息和散钞信息对用户取款额度进行配钞,并得出配钞结果,在配钞时分别进行捆钞的配钞和散钞的配钞,得出至少一种配钞结果,然后按照选定的配钞结果进行出钞,整捆钞出钞时单捆捆钞额度可以很大,满足了大额出钞的需要,同时缩短出钞时间,减少出钞时出现故障的概率;而单张散钞出钞可以点
出用户所需数量的出钞,增加了用户出钞额的范围;另外,本实施例中在进行出钞计算时,将捆钞出钞和散钞出钞相结合进行计算,可使捆钞出钞结果尽可能大,散钞出钞尽可能小,进一步缩短了出钞时间;并且由于在配钞过程中得到多种配钞结果,用户还可以根据需要进行选择出钞结果,提高了用户体验。
应理解,在本发明实施例中,上述各过程的序号的大小并不意味着执行顺序的先后,各过程的执行顺序应以其功能和内在逻辑确定,而不应对本发明实施例的实施过程构成任何限定。
实施例二:
图2示出了本发明第二实施例提供的一种金融终端的出钞控制***的结构图。为了便于说明,仅示出了与本发明实施例相关的部分。
所述金融终端的出钞控制***包括:信息获取单元21,配钞单元22,出钞单元23;其中:
信息获取单元21,用于获取用户取款额度、当前金融终端的捆钞信息及散钞信息;
具体地,信息获取单元21获取当前用户取款的额度M,同时获取当前金融终端的捆钞信息和散钞信息,其中,捆钞指将多张同一面额的钞票放在一起形成一捆存放在金融设备中,例如将20张面额为100元的钞票捆成一捆,或将50张面额为20元的钞票捆成一捆,具体每捆钞票如何设置也可根据需要进行设置。散钞即各种面额的单张钞票,例如一张面额为50元的钞票。所述捆钞信息包括:捆钞种类n,每种捆钞的单捆金额A1,A2,,…,An及每种捆钞的可用捆钞的数量X1,X2,,…,Xn,X∈Z;所述散钞信息包括:散钞种类m,每种散钞的面额B1,B2,,…,Bm及每种面额可用散钞数量Y1,Y2,,…,Ym,Y∈Z。
配钞单元22,用于根据所述用户取款额度、捆钞信息及散钞信息进行配钞计算,得出配钞结果;
具体地,根据用户取款额度M,和当前金融终端的捆钞及散钞信息进行配钞;设当前用户取款额度M配钞时所需的每种捆钞的数量分别为x1,x2,,…,xn,x∈Z;所需散钞的数量分别为y1,y2,,…,ym,y∈Z;其中,0≤x1≤X1,0≤x2,≤X2,,…,0≤xn≤Xn;0≤y1≤Y1,0≤y2,≤Y2,,…,0≤ym≤Ym。则有:M=A1x1+A2x2+...+Anxn+B1y1+B2y2+...+Bmym。
优选地,所述配钞单元22,具体包括:
捆钞配钞模块221,用于根据所述用户取款额度和捆钞信息进行整捆出钞的配钞,得出捆钞配钞方案及配钞尾数;
散钞配钞模块222,用于根据所述配钞尾数及散钞信息进行单张出钞的配钞,确定散钞配钞方案;
配钞方案选择模块223,用于选择所述捆钞配钞方案中的一种,根据所选捆钞配钞方案对应的配钞尾数,选择散钞配钞方案中的一种;
配钞结果确定模块224,用于根据所选捆钞配钞方案及所选散钞配钞方案确定至少一种的配钞结果。
具体地,在对用户的取款额度M进行配钞时,首先确定一个配钞尾数w,根据配钞尾数w进行捆钞的配钞,此时有:w=B1y1+B2y2+...+Bmym,因此,设捆钞配钞总金额为S,则有:M-w=S=A1x1+A2x2+...+Anxn。因此,根据配钞尾数w确定出x1,x2,,…,xn的值,即可确定捆钞的配钞方案。然后根据确定的配钞尾数w,由公式w=B1y1+B2y2+...+Bmym确定y1,y2,,…,ym的值,进而确定散钞的配钞方案。
对于一个确定的配钞尾数w,方程w=B1y1+B2y2+...+Bmym可以有多组解,即每个确定的配钞尾数w对应至少一种配钞方案;而在配钞尾数确定的情况下,对于方程M-w=S=A1x1+A2x2+...+Anxn也可以有至少一组解;因此根据确定的配钞尾数分别选择所得出的捆钞配钞方案中的一种和散钞配钞方案中的一种,能够组成与用户取款额度匹配的配钞结果,所述配钞结果至少有一种。
优选地,所述捆钞配钞模块221,具体包括:
第一公约数确定模块2211,用于根据所述捆钞信息确定每种捆钞的单捆金额的最大公约数;
捆钞配钞方案确定模块2212,用于根据所述用户取款额度确定配钞尾数,以使所述用户取款额度与所述配钞尾数之差可被所述捆钞的单捆金额的最大公约数整除;所述配钞尾数满足:0≤配钞尾数≤用户取款额度;根据所述配钞尾数确定至少一种的捆钞配钞方案。
具体地,在确定捆钞的配钞方案时,确定方程M-w=S=A1x1+A2x2+...+Anxn的整数解即可。此时,首先确定每种捆钞的单捆金额A1,A2,,…,An的最大公约数(greatest common divisor,gcd),记为gcd(A1,A2,,…,An);确定一个配钞尾数w,使得(M-w)满足:0≤(M-w)≤M,并能被gcd(A1,A2,,…,An)整除;根据确定的配钞尾数w得出方程M-w=S=A1x1+A2x2+...+Anxn的整数解。另外,若S不能被gcd(A1,A2,,…,An)
整除,则当前配钞尾数w下,捆钞配钞失败,调整配钞尾数w后再进行捆钞配钞。
关于S=A1x1+A2x2+...+Anxn的整数解的求解过程,参见方程式(1)的求解过程,在此不再赘述。根据S=A1x1+A2x2+...+Anxn的整数解确定捆钞的配钞方案。
优选地,所述散钞配钞模块222,具体包括:
第二公约数确定模块2221,用于根据所述散钞信息,确定配钞尾数与散钞面额的最大公约数;
散钞配钞方案确定模块2222,用于根据至少一种的散钞出钞规则,结合所述配钞尾数与散钞面额的最大公约数,确定至少一种的散钞配钞方案。
具体地,在得出捆钞配钞方案后,根据确定的配钞尾数w对散钞进行配钞。由w=B1y1+B2y2+...+Bmym,可知,在对散钞进行配钞时,确定w,B1,B2,…Bm的最大公约数,然后按照方程(1)的求解方法,得出方程w=B1y1+B2y2+...+Bmym的整数解即可得到散钞的配钞方案。
可选地,在根据用户取款额度进行配钞时,可以将每种捆钞的单捆金额,视为散钞的面额,例如可以将单捆由10张100元钞票组成的捆钞看做一张面额为1000元的散钞,然后将其和散钞一并进行配钞;其方法为:用户取款额度满足:M=(A1x1+A2x2+...+Anxn)+(B1y1+B2y2+...+Bmym),可根据以下四种配钞原则进行配钞:
下面结合具体用户取款实例进行说明:
假设金融终端设备配备有两种捆钞,1万元一捆有15捆,1.5万元一捆有10捆,另有两种可进行散钞出钞的面额50元的有12张,面额为20元的有10张,即A1=10000,A2=15000,X1=15,X2=10,B1=50,B2=20,Y1=12,Y2=10。
如果用户输入金额为35550元,首先35550<(10000×15+15000×10+50×12+20×10),进一步计算配钞有:10000x1+15000x2+50y1+20y2=M,有10000x1+15000x2=M-50y1-20y2=S,gcd(10000,15000)=5000,由于不大于35550且能被5000整除的数为35000,令S=35000,计算10000x1+15000x2=35000,得2x1+3x2=7,对方程进行举证转换可得到x1=-7+3t,x2=7-2t,由于由0≤x1≤15,0≤x2≤10,可得t为整数,可取t=3,可得x1=2,x2=1。此时有50y1+20y2=550,得5y1+2y2=55,矩阵转换可得到y1=55+2t,y2=-110-5t,由于0≤y1≤12,0≤y2≤10可确定t的取值范围为-24≤t≤-22。
优选地,散钞的出钞方式可分为平均出钞法、均空法、总张数最小法、最大面额优先法、最小面额优先法等五种。
如果是均空法,有y1-y2≈12-10+σ=2+σ,其中|σ|尽可能小,即163+7t=σ,又-24≤t≤-22,所以t=-23,σ=2,y1=9,y2=5为所求散钞配钞方案。
如果是总张数最小法,有(y1+y2)尽可能小,则(-55-3t)尽可能小,又-24≤t≤-22,得到t=-22,y1=11,y2=0为所求散钞配钞方案。
如果是最大面额优先法,有y1尽可能大,则55+2t尽可能大,又-24≤t≤-22,得到t=-22,y1=11,y2=0为所求散钞配钞方案。
如果是最小面额优先法,有y2尽可能大,则-110-5t尽可能大,又-24≤t≤-22,得到t=-24,y1=7,y2=10为所求散钞配钞方案。
又如:当用户取款金额为135550元时,首先对所述取款金额进行判断:135550<(10000x15+15000x10+50x12+20x10),当取款金额小于金融终端持有总金额时,进行配钞:10000x1+15000x2+50y1+20y2=M,有10000x1+15000x2=M-50y1-20y2=S。其中,gcd(10000,15000)=5000,由于不大于135550且能被5000整除的数135000,另m=135000,计算10000x1+15000x2=135000,得2x1+3x2=27。对方程进行矩阵转换可得到x1=-27+3t,x2=27-2t,由于由0≤x1≤15,0≤x2≤10,可得9≤t≤13,t为整数,可取t=9、10、11、12、13,可得多组解:t=9,x1=0,x2=9、t=10,x1=3,x2=7、t=11,x1=6,x2=5、t=12,x1=9,x2=3、t=13,x1=12,x2=1。在进行散钞配钞时方法同上,在此不再赘述。
出钞单元23,用于调用所述配钞结果,分别进行捆钞的出钞和散钞的出钞。
优选地,所述出钞单元23,包括:
第一出钞模块,用于调用出钞尾数最小的配钞结果,分别进行捆钞的出钞和散钞的出钞;
第二出钞模块,用于根据用户选择调用配钞结果,分别进行捆钞的出钞和散钞的出钞。
具体地,在根据用户取款额度进行配钞得出配钞结果后,在用户不做选择时,按照金融终端默认所选的配钞结果进行出钞,即按照配钞尾数w最小,即捆钞出钞量最大的方案进行
出钞,此中方案出钞可以使出钞时间最少,节约金融终端出钞时间,减少出现故障的概率。另外,还可以根据用户的选择进行出钞。例如用户可以选择出钞的整捆数最多或散钞的总张数最少等。
优选地,所述金融终端的出钞控制***,还包括:
第三公约数确定单元,用于确定捆钞的单捆金额与散钞面额的最大公约数;
取款额度判断单元,用于判断所述用户取款额度是否能被所述捆钞的单捆金额与散钞面额的最大公约数整除;在所述用户取款额度不能被所述捆钞的单捆金额与散钞面额的最大公约数整除时,返回配钞失败结果。
具体地,在接收到用户输入的取款额度后,首先对取款金额进行判断:如果用户取款额度不能被捆钞的单捆金额与散钞面额的最大公约数整除,则说明当前金融终端无法给出用户所需取款金额,出钞失败。
例如:假设金融终端设备配备有两种捆钞,1万元一捆有15捆(即,一捆有1万元金额的钞票有15捆),1.5万元一捆有10捆,另有两种可进行散钞出钞的面额50元的有12张,面额为20元的有10张,即A1=10000,A2=15000,X1=15,X2=10,B1=50,B2=20,Y1=12,Y2=10。
如果用户取款金额为35545元,由于(10000,15000,50,20)的最大公约数为10,35545%gcd(50,20)=5≠0,所以配钞失败;
或用户取款金额为135545元,由于(10000,15000,50,20)的最大公约数为10,135545%gcd(50,20)=5≠0,同样当前金融终端无法给出用户所述金额,配钞失败。
本发明第二实施例中,信息获取单元获取当前金融终端的捆钞信息和散钞信息,配钞单元对用户取款额度进行配钞,并得出配钞结果,在配钞时分别进行捆钞的配钞和散钞的配钞,得出至少一种配钞结果,然后由出钞单元按照选定的配钞结果进行出钞,整捆钞出钞时单捆捆钞额度可以很大,满足了大额出钞的需要,同时缩短出钞时间,减少了出钞时出现故障的概率;而散钞出钞可以点出用户所需数量的出钞,增加了用户出钞额的范围;另外,本实施例中在进行出钞计算时,将捆钞出钞和散钞出钞相结合进行计算,可使捆钞出钞结果尽可能大,散钞出钞尽可能小,进一步缩短了出钞时间;并且由于在配钞过程中得到多种配钞结果,用户还可以根据需要进行选择出钞结果,提高了用户体验。
实施例三:
图3示出了本发明第三实施例提供的一种金融终端的结构示意图,为了便于说明,仅示出了与本发明实施例相关的部分。所述金融终端包括:输入设备31,处理器32,输出设备33:其中
输入设备31,用于接收用户输入的用户取款额度;
用户通过输入设备31输入取款额度,同时,输入设备31获取当前金融终端的捆钞信息和散钞信息,其中,捆钞指将多张同一面额的钞票放在一起形成一捆存放在金融设备中,例如将20张面额为100元的钞票捆成一捆,或将50张面额为20元的钞票捆成一捆,具体每捆钞票如何设置也可根据需要进行设置。散钞即各种面额的单张钞票,例如一张面额为50元的钞票。所述捆钞信息包括:捆钞种类n,每种捆钞的单捆金额A1,A2,,…,An及每种捆钞的可用捆钞的数量X1,X2,,…,Xn,X∈Z;所述散钞信息包括:散钞种类m,每种散钞的面额B1,B2,,…,Bm及每种面额可用散钞数量Y1,Y2,,…,Ym,Y∈Z。
处理器32,用于获取当前金融终端的捆钞信息及散钞信息,并根据所述用户取款额度、捆钞信息及散钞信息进行配钞计算,得出配钞结果;
优选地,所述处理器具体用于:
根据所述用户取款额度和捆钞信息进行整捆出钞的配钞,得出捆钞配钞方案及配钞尾数;根据所述配钞尾数及散钞信息进行单张出钞的配钞,确定散钞配钞方案;选择所述捆钞配钞方案中的一种,根据所选捆钞配钞方案对应的配钞尾数,选择散钞配钞方案中的一种;根据所选捆钞配钞方案及所选散钞配钞方案确定至少一种的配钞结果。
优选地,所述处理器在根据所述用户取款额度和捆钞信息进行整捆出钞的配钞,得出捆钞配钞方案及配钞尾数,具体用于:
根据所述捆钞信息确定每种捆钞的单捆金额的最大公约数;根据所述用户取款额度确定配钞尾数,以使所述用户取款额度与所述配钞尾数之差可被所述捆钞的单捆金额的最大公约数整除;所述配钞尾数满足:0≤配钞尾数≤用户取款额度;根据所述配钞尾数确定至少一种的捆钞配钞方案。
优选地,所述处理器在根据所述配钞尾数及散钞信息进行单张出钞的配钞,确定散钞配钞方案时,具体用于:
根据所述散钞信息,确定配钞尾数与散钞面额的最大公约数;根据至少一种的散钞出钞规则,结合所述配钞尾数与散钞面额的最大公约数,确定至少一种的散钞配钞方案。
具体地,根据用户取款额度M,和当前金融终端的捆钞及散钞信息进行配钞;设当前用户取款额度M配钞时所需的每种捆钞的数量分别为x1,x2,,…,xn,x∈Z;所需散钞的数
量分别为y1,y2,,…,ym,y∈Z;其中,0≤x1≤X1,0≤x2,≤X2,,…,0≤xn≤Xn;0≤y1≤Y1,0≤y2,≤Y2,,…,0≤ym≤Ym。则有:M=A1x1+A2x2+...+Anxn+B1y1+B2y2+...+Bmym。
在对用户的取款额度M进行配钞时,首先确定一个配钞尾数w,根据配钞尾数w进行捆钞的配钞,此时有:w=B1y1+B2y2+...+Bmym,因此,设捆钞配钞总金额为S,则有:M-w=S=A1x1+A2x2+...+Anxn。因此,根据配钞尾数w确定出x1,x2,,…,xn的值,即可确定捆钞的配钞方案。然后根据确定的配钞尾数w,由公式w=B1y1+B2y2+...+Bmym确定y1,y2,,…,ym的值,进而确定散钞的配钞方案。
对于一个确定的配钞尾数w,方程w=B1y1+B2y2+...+Bmym可以有多组解,即每个确定的配钞尾数w对应至少一种配钞方案;而在配钞尾数确定的情况下,对于方程M-w=S=A1x1+A2x2+...+Anxn也可以有至少一组解;因此根据确定的配钞尾数分别选择所得出的捆钞配钞方案中的一种和散钞配钞方案中的一种,能够组成与用户取款额度匹配的配钞结果,所述配钞结果至少有一种。
在确定捆钞的配钞方案时,确定方程M-w=S=A1x1+A2x2+...+Anxn的整数解即可。此时,首先确定每种捆钞的单捆金额A1,A2,,…,An的最大公约数(greatest common divisor,gcd),记为gcd(A1,A2,,…,An);确定一个配钞尾数w,使得(M-w)满足:0≤(M-w)≤M,并能被gcd(A1,A2,,…,An)整除;根据确定的配钞尾数w得出方程M-w=S=A1x1+A2x2+...+Anxn的整数解。另外,若S不能被gcd(A1,A2,,…,An)整除,则当前配钞尾数w下,捆钞配钞失败,调整配钞尾数w后再进行捆钞配钞。
关于S=A1x1+A2x2+...+Anxn的整数解的求解过程,参见方程式(1)的求解过程,在此不再赘述。根据S=A1x1+A2x2+...+Anxn的整数解确定捆钞的配钞方案。
在得出捆钞配钞方案后,根据确定的配钞尾数w对散钞进行配钞。由w=B1y1+B2y2+...+Bmym,可知,在对散钞进行配钞时,确定w,B1,B2,…Bm的最大公约数,然后按照方程(1)的求解方法,得出方程w=B1y1+B2y2+...+Bmym的整数解即可得到散钞的配钞方案。
可选地,在根据用户取款额度进行配钞时,可以将每种捆钞的单捆金额,视为散钞的面额,例如可以将单捆由10张100元钞票组成的捆钞看做一张面额为1000元的散钞,然后将
其和散钞一并进行配钞,其方法为:用户取款额度满足:M=(A1x1+A2x2+...+Anxn)+(B1y1+B2y2+...+Bmym),可根据以下四种配钞原则进行配钞:
优选地,散钞的出钞方式可分为平均出钞法、均空法、总张数最小法、最大面额优先法、最小面额优先法等五种。具体计算过程参照实施例一,在此不再赘述。
输出设备33,用于调用所述配钞结果分别进行捆钞的出钞和散钞的出钞。
优选地,所述输出设备具体用于:
调用出钞尾数最小的配钞结果,分别进行捆钞的出钞和散钞的出钞;
或,根据用户选择调用配钞结果,分别进行捆钞的出钞和散钞的出钞。
具体地,在根据用户取款额度进行配钞得出配钞结果后,在用户不做选择时,按照金融终端默认所选的配钞结果进行出钞,即按照配钞尾数w最小,即捆钞出钞量最大的方案进行出钞,此中方案出钞可以使出钞时间最少,节约金融终端出钞时间,减少出现故障的概率。另外,还可以根据用户的选择进行出钞。例如用户可以选择出钞的整捆数最多或散钞的总张数最少等。
优选地,在所述处理器还用于:
确定捆钞的单捆金额与散钞面额的最大公约数;并判断所述用户取款额度是否能被所述捆钞的单捆金额与散钞面额的最大公约数整除;对应地,所述输出设备还用于在所述用户取款额度不能被所述捆钞的单捆金额与散钞面额的最大公约数整除时,返回配钞失败结果。
具体地,在接收到用户输入的取款额度后,首先对取款金额进行判断:如果用户取款额
度不能被捆钞的单捆金额与散钞面额的最大公约数整除,则说明当前金融终端无法给出用户所需取款金额,出钞失败。
例如:假设金融终端设备配备有两种捆钞,1万元一捆有15捆(即,一捆有1万元金额的钞票有15捆),1.5万元一捆有10捆,另有两种可进行散钞出钞的面额50元的有12张,面额为20元的有10张,即A1=10000,A2=15000,X1=15,X2=10,B1=50,B2=20,Y1=12,Y2=10。
如果用户取款金额为35545元,由于(10000,15000,50,20)的最大公约数为10,35545%gcd(50,20)=5≠0,所以配钞失败。
本发明第三实施例中,输入设备获取当前金融终端的捆钞信息和散钞信息,处理器对用户取款额度进行配钞,并得出配钞结果,在配钞时分别进行捆钞的配钞和散钞的配钞,得出至少一种配钞结果,然后由输出设备按照选定的配钞结果进行出钞,整捆钞出钞时单捆捆钞额度可以很大,满足了大额出钞的需要,同时缩短出钞时间,减少了出钞时出现故障的概率;而散钞出钞可以点出用户所需数量的出钞,增加了用户出钞额的范围;另外,本实施例中在进行出钞计算时,将捆钞出钞和散钞出钞相结合进行计算,可使捆钞出钞结果尽可能大,散钞出钞尽可能小,进一步缩短了出钞时间;并且由于在配钞过程中得到多种配钞结果,用户还可以根据需要进行选择出钞结果,提高了用户体验。
本领域普通技术人员可以意识到,结合本文中所公开的实施例描述的各示例的单元及算法步骤,能够以电子硬件、或者计算机软件和电子硬件的结合来实现。这些功能究竟以硬件还是软件方式来执行,取决于技术方案的特定应用和设计约束条件。专业技术人员可以对每个特定的应用来使用不同方法来实现所描述的功能,但是这种实现不应认为超出本发明的范围。
所属领域的技术人员可以清楚地了解到,为描述的方便和简洁,上述描述的***、装置和单元的具体工作过程,可以参考前述方法实施例中的对应过程,在此不再赘述。
以上所述,仅为本发明的具体实施方式,但本发明的保护范围并不局限于此,任何熟悉本技术领域的技术人员在本发明揭露的技术范围内,可轻易想到变化或替换,都应涵盖在本发明的保护范围之内。因此,本发明的保护范围应所述以权利要求的保护范围为准。
Claims (18)
- 一种金融终端的出钞控制方法,其特征在于,所述金融终端的出钞控制方法包括:获取用户取款额度、当前金融终端的捆钞信息及散钞信息;根据所述用户取款额度、捆钞信息及散钞信息进行配钞计算,得出配钞结果;调用所述配钞结果,分别进行捆钞的出钞和散钞的出钞。
- 根据权利要求1所述的金融终端的出钞控制方法,其特征在于,所述根据用户取款额度、捆钞信息及散钞信息进行配钞计算,得出配钞结果,具体包括:根据所述用户取款额度和捆钞信息进行整捆出钞的配钞,得出捆钞配钞方案及配钞尾数;根据所述配钞尾数及散钞信息进行单张出钞的配钞,确定散钞配钞方案;选择所述捆钞配钞方案中的一种,根据所选捆钞配钞方案对应的配钞尾数,选择散钞配钞方案中的一种;根据所选捆钞配钞方案及所选散钞配钞方案确定至少一种的配钞结果。
- 根据权利要求2所述的金融终端的出钞控制方法,其特征在于,所述根据所述用户取款额度和捆钞信息进行整捆出钞的配钞,得出捆钞配钞方案及配钞尾数,具体包括:根据所述捆钞信息确定每种捆钞的单捆金额的最大公约数;根据所述用户取款额度确定配钞尾数,以使所述用户取款额度与所述配钞尾数之差可被所述捆钞的单捆金额的最大公约数整除;所述配钞尾数满足:0≤配钞尾数≤用户取款额度;根据所述配钞尾数确定至少一种的捆钞配钞方案。
- 根据权利要求2所述的金融终端的出钞控制方法,其特征在于,所述根据所述配钞尾数及散钞信息进行单张出钞的配钞,确定散钞配钞方案,具体包括:根据所述散钞信息,确定配钞尾数与散钞面额的最大公约数;根据至少一种的散钞出钞规则,结合所述配钞尾数与散钞面额的最大公约数,确定至少一种的散钞配钞方案。
- 根据权利要求1-4任一项所述的金融终端的出钞控制方法,其特征在于,在所述根据用户取款额度、捆钞信息及散钞信息进行配钞计算,得出配钞结果之前,还包括:确定捆钞的单捆金额与散钞面额的最大公约数;判断所述用户取款额度是否能被所述捆钞的单捆金额与散钞面额的最大公约数整除;在所述用户取款额度不能被所述捆钞的单捆金额与散钞面额的最大公约数整除时,返回配钞失败结果。
- 根据权利要求1所述的金融终端的出钞控制方法,其特征在于,所述调用所述配钞结果,分别进行捆钞的出钞和散钞的出钞,包括:调用出钞尾数最小的配钞结果,分别进行捆钞的出钞和散钞的出钞;或,根据用户选择调用配钞结果,分别进行捆钞的出钞和散钞的出钞。
- 一种金融终端的出钞控制***,其特征在于,所述金融终端的出钞控制***包括:信息获取单元,用于获取用户取款额度、当前金融终端的捆钞信息及散钞信息;配钞单元,用于根据所述用户取款额度、捆钞信息及散钞信息进行配钞计算,得出配钞结果;出钞单元,用于调用所述配钞结果,分别进行捆钞的出钞和散钞的出钞。
- 根据权利要求7所述的金融终端的出钞控制***,其特征在于,所述配钞单元,具体包括:捆钞配钞模块,用于根据所述用户取款额度和捆钞信息进行整捆出钞的配钞,得出捆钞配钞方案及配钞尾数;散钞配钞模块,用于根据所述配钞尾数及散钞信息进行单张出钞的配钞,确定散钞配钞方案;配钞方案选择模块,用于选择所述捆钞配钞方案中的一种,根据所选捆钞配钞方案对应的配钞尾数,选择散钞配钞方案中的一种;配钞结果确定模块,用于根据所选捆钞配钞方案及所选散钞配钞方案确定至少一种的配钞结果。
- 根据权利要求8所述的金融终端的出钞控制***,其特征在于,所述捆钞配钞模块,具体包括:第一公约数确定模块,用于根据所述捆钞信息确定每种捆钞的单捆金额的最大公约数;捆钞配钞方案确定模块,用于根据所述用户取款额度确定配钞尾数,以使所述用户取款额度与所述配钞尾数之差可被所述捆钞的单捆金额的最大公约数整除;所述配钞尾数满足:0≤配钞尾数≤用户取款额度;根据所述配钞尾数确定至少一种的捆钞配钞方案。
- 根据权利要求8所述的金融终端的出钞控制***,其特征在于,所述散钞配钞模块,具体包括:第二公约数确定模块,用于根据所述散钞信息,确定配钞尾数与散钞面额的最大公约数;散钞配钞方案确定模块,用于根据至少一种的散钞出钞规则,结合所述配钞尾数与散钞面额的最大公约数,确定至少一种的散钞配钞方案。
- 根据权利要求7-10任一项所述的金融终端的出钞控制***,其特征在于,在所述金融终端的出钞控制***,还包括:第三公约数确定单元,用于确定捆钞的单捆金额与散钞面额的最大公约数;取款额度判断单元,用于判断所述用户取款额度是否能被所述捆钞的单捆金额与散钞面额的最大公约数整除;在所述用户取款额度不能被所述捆钞的单捆金额与散钞面额的最大公约数整除时,返回配钞失败结果。
- 根据权利要求7所述的金融终端的出钞控制***,其特征在于,所述出钞单元,包括:第一出钞模块,用于调用出钞尾数最小的配钞结果,分别进行捆钞的出钞和散钞的出钞;第二出钞模块,用于根据用户选择调用配钞结果,分别进行捆钞的出钞和散钞的出钞。
- 一种金融终端,其特征在于,所述金融终端包括:输入设备,用于接收用户输入的用户取款额度;处理器,用于获取当前金融终端的捆钞信息及散钞信息,并根据所述用户取款额度、捆钞信息及散钞信息进行配钞计算,得出配钞结果;输出设备,用于调用所述配钞结果,分别进行捆钞的出钞和散钞的出钞。
- 根据权利要求13所述的金融终端,其特征在于,所述处理器具体用于:根据所述用户取款额度和捆钞信息进行整捆出钞的配钞,得出捆钞配钞方案及配钞尾数;根据所述配钞尾数及散钞信息进行单张出钞的配钞,确定散钞配钞方案;选择所述捆钞配钞方案中的一种,根据所选捆钞配钞方案对应的配钞尾数,选择散钞配钞方案中的一种;根据所选捆钞配钞方案及所选散钞配钞方案确定至少一种的配钞结果。
- 根据权利要求14所述的金融终端,其特征在于,所述处理器在根据所述用户取款额度和捆钞信息进行整捆出钞的配钞,得出捆钞配钞方案及配钞尾数时,具体用于:根据所述捆钞信息确定每种捆钞的单捆金额的最大公约数;根据所述用户取款额度确定配钞尾数,以使所述用户取款额度与所述配钞尾数之差可被所述捆钞的单捆金额的最大公约数整除;所述配钞尾数满足:0≤配钞尾数≤用户取款额度;根据所述配钞尾数确定至少 一种的捆钞配钞方案。
- 根据权利要求14所述的金融终端,其特征在于,所述处理器在根据所述配钞尾数及散钞信息进行单张出钞的配钞,确定散钞配钞方案时,具体用于:根据所述散钞信息,确定配钞尾数与散钞面额的最大公约数;根据至少一种的散钞出钞规则,结合所述配钞尾数与散钞面额的最大公约数,确定至少一种的散钞配钞方案。
- 根据权利要求13-16任一项所述的金融终端,其特征在于,所述处理器还用于:确定捆钞的单捆金额与散钞面额的最大公约数;并判断所述用户取款额度是否能被所述捆钞的单捆金额与散钞面额的最大公约数整除;对应地,所述输出设备还用于在所述用户取款额度不能被所述捆钞的单捆金额与散钞面额的最大公约数整除时,返回配钞失败结果。
- 根据权利要求13所述的金融终端,其特征在于,所述输出设备具体用于:调用出钞尾数最小的配钞结果,分别进行捆钞的出钞和散钞的出钞;或,根据用户选择调用配钞结果,分别进行捆钞的出钞和散钞的出钞。
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