Device and method for ensuring safety of self-service end-user funds

Abstract

A device and a method for ensuring fund safety of a self-service terminal user. The device comprises a detection module, a determination processing module, an execution module, a storage module, and a control module. In the method, after each self-service terminal user finishes a service relating to cash business, banknotes possibly existing on a small movement door is automatically recovered and processed by an automatic teller machine. By means of the device and the method, the banknotes possibly existing on the small door can be automatically recovered and processed by the automatic teller machine each time after the service relating to the cash business is finished, so the transaction speed and efficiency of the self-service terminal can be improved, and the fund safety of customers can be effectively ensured.

Description

technical field [0001] The invention relates to the field of financial self-service terminal transaction security, in particular to a device and method for ensuring the security of funds of self-service terminal users. Background technique [0002] Existing ATM (automatic teller machine) comprises automatic terminal deposit machine and deposits and withdrawals circulation all-in-one machine and is provided with two doors at the cash outlet, namely outer door and movement wicket. Among them, the movement is the most expensive equipment of the automatic teller machine. The function of the outer door is to protect the movement equipment from dust, explosion and water, effectively reducing the damage to the movement caused by external factors and prolonging the service life of the movement. . [0003] At present, each ATM manufacturer has the following two technical processing methods for these two doors when realizing cash business: [0004] 1. Two doors open and close at the...

AI Technical Summary

Problems solved by technology

However, due to the large size and heavy weight of the outer gate, it takes longer to open and close, ranging from 2 to 4 seconds to as long as 6 to 8 seconds, which seriously affects the transaction speed

For example: the customer deposits 5,000 yuan, and the deposit is divided into 5 times, and the door needs to be opened and closed 5 times. Calculated based on the time-consuming opening and closing of the outer door, it takes 20 to 40 seconds to open and close the door

[0007] Second, frequent opening and closing of heavy outer doors will reduce the service life of the outer doors

[0008] Third, the frequent opening and closing of the heavy outer door will increase the probability of failure of the outer door, which will lead to equipment failure and shutdown

[0009] 2. The two doors are not opened at the same time

[0012] Although this method improves the transaction speed, there is a potential risk of capital security. Since the first deposit transaction opens the outer door, the subsequent deposits only open and close the small door, and the outer door is always open. , because the customer is not familiar with the operation process, it is easy to put the banknotes on the cover of the small door by mistake. After the transaction is completed and the door is closed, the banknotes will remain on the small door cover, because the banknotes on the small door cover cannot be detected, so there is a Fund security risk:

[0013] First, the banknotes themselves are not safe. The banknotes are inside the outer gate. Criminals can sense whether there are banknotes on the small gate in various ways, so as to open the gate and take the banknotes as their own.

[0014] Second, if the next person deposits, after opening the gate, he will take the banknotes put on the small door cover by the previous person, and take the banknotes, the self-service terminal control system cannot judge and perceive, so it will loss of client funds

[0015] For the different opening and closing methods of the two doors, if the banknotes appearing on the small door of the machine core due to various reasons are not dealt with in a timely and effective manner, it will bring financial losses to the customer and increase the account disputes between the bank and the customer. And affect the service quality and customer image of ATM, reduce customer confidence in ATM, increase bank costs, and even seriously affect the bank's credit, resulting in a decline in the bank's social credit and strained relationships between banks and customers