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Bank business handling system and method based on ATM platform

A technology of banking business and ATM machine, applied in the field of banking business processing system, can solve the problems that ATM machines cannot be fully utilized, and achieve the effect of ensuring business risk control, reducing transaction risk, and ensuring authenticity

Pending Publication Date: 2022-01-07
中国农业银行股份有限公司贵州省分行
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  • Abstract
  • Description
  • Claims
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Problems solved by technology

[0005] The present invention expands the bank's self-service loan, self-service financial management, and self-service credit card application services to the ATM platform to solve the problem that the current ATM cannot be fully utilized under mobile payment. The specific scheme is as follows:

Method used

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  • Bank business handling system and method based on ATM platform
  • Bank business handling system and method based on ATM platform
  • Bank business handling system and method based on ATM platform

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Experimental program
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Embodiment 2

[0036] Such as Figure 4 As shown, embodiment 2: the business handling method for the system to obtain user information through face recognition and ID number is:

[0037] S1: The user selects business from the self-service loan unit, self-service wealth management unit, and self-service credit card application unit displayed on the user interface of the ATM machine, and aligns the face with the infrared binocular camera;

[0038] S2: The infrared binocular camera sends the identified user face data to the terminal equipment control system of the ATM, and the user interface of the ATM displays the user ID number input window;

[0039] S3: The terminal equipment control system of the ATM machine sends the user's face data and ID number data to the bank host through the front-end communication system of the ATM machine;

[0040] S4: The bank host implements the user's self-service loan, self-service financial management, and self-service credit card application business through...

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Abstract

The invention provides a bank business handling system and method based on an ATM platform. The bank business handling system comprises a bank host and an ATM, the bank host is connected with a front communication system of the ATM, the ATM comprises a user identity recognizer and a user interaction interface which are in communication connection with a terminal equipment control system of the ATM, the user interaction interface comprises a self-service loan unit, a self-service financial management unit and a self-service credit card application unit, and the terminal equipment control system of the ATM and the bank host realize the handling of self-service loan, self-service financial management and self-service credit card application services of a user in a message interaction mode through a front-end communication system of the ATM. Self-service loan, self-service financial management and self-service credit card application services of a bank are expanded to an ATM platform, and the business channels of the bank are expanded; the ATM comprises an infrared binocular camera, account password verification is carried out in combination with bank card recognition or identity card number recognition when a user handles a service, and the transaction risk is reduced.

Description

technical field [0001] The invention belongs to the field of banking business handling systems, and in particular relates to a banking business handling system and method based on an ATM platform. Background technique [0002] With the development of Internet technology, mobile payment is becoming more and more popular. Online payment methods such as WeChat and Alipay have greatly impacted the paper money payment method. ATM machines are gradually being marginalized. As the second largest economy in the world, my country has a very large number of ATM machines. Huge, but the arrival of mobile payment has caused many ATMs to be idled. This is not only a big loss to the bank, but also a waste of national resources. Therefore, how to upgrade the ATMs and further expand the banking business is a must. A question worthy of study. [0003] Chinese patent CN 104361692 A discloses a transaction monitoring method, which is applied to the transaction process in the automatic teller mac...

Claims

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Application Information

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IPC IPC(8): G07F19/00G06Q20/18G06Q20/24G06Q20/40G06Q40/02
CPCG07F19/209G06Q40/02G06Q20/18G06Q20/24G06Q20/40145G06Q40/03
Inventor 陈永健
Owner 中国农业银行股份有限公司贵州省分行
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