Bank automatic teller machine and foreign currency exchange supporting method

Abstract

The invention discloses a bank self-service teller machine and a foreign currency exchange supporting method. The bank self-service teller machine comprises a paper currency inlet and a paper currency outlet, wherein the paper currency inlet is used for a user to put in and take out paper currency; the multi-mode mixed currency detection module is used for detecting the currency put by the user to obtain a detection result; the temporary storage area is used for storing real banknotes which are not charged; the foreign currency mixed storage cash box is used for storing foreign currencies of different currency types and different denominations in a partitioned manner; the coin box is used for storing coins; the coins are used for complementing changes for the foreign currency exchange business of the user or meeting other small-amount change demands of the user; the cash returning channel is used for returning cash to the user due to the fact that the user cancels the deposit process autonomously under the condition that the state of the automatic teller machine is normal; the coin sorting channel serves as an independent coin outlet channel and is used for conveying coins to a coin outlet. In this way, the foreign currency mixed storage currency box and the coin currency box are additionally arranged on the ATM, so that the ATM supports the foreign currency exchange function, and the foreign currency exchange experience of the user is improved.

Description

TECHNICAL FIELD

[0001] The present application relates to the technical field of computers, and in particular to a bank self-service teller machine and a method for supporting foreign currency exchange. BACKGROUND

[0002] With the acceleration of globalization and the increase of international tourism and business activities, the demand for foreign currency exchange is growing.

[0003] However, the existing bank self-service teller machine (ATM) only supports domestic currency deposit and withdrawal, and foreign nationals can only go to the bank counter or exchange point to handle foreign currency business, which has the problems of low efficiency, high time cost, and inability to exchange during non-business hours. Although some ATMs currently support foreign card cash withdrawal, the limitation of foreign card cash withdrawal is that it cannot realize foreign currency bill exchange into RMB, and the supported card types are limited. In addition, although foreign currency exchange machines have been developed and put into trial, the popularity of foreign currency exchange machines is far from that of ATMs, and they cannot fundamentally change the current situation of foreign currency exchange difficulties, reducing the user's foreign currency exchange experience. SUMMARY

[0004] The main purpose of the embodiments of the present application is to provide a bank self-service teller machine and a method for supporting foreign currency exchange, which can support foreign currency exchange function by modifying the traditional ATM, enrich the scene of ATM financial service, and divert the exchange from the counter, reduce the labor cost of the bank, and improve the user's foreign currency exchange experience.

[0005] In a first aspect, the embodiments of the present application provide a bank self-service teller machine, which comprises a paper currency input port, a paper currency output port, a multi-modal hybrid currency detection module, a temporary storage area, a currency box, a coin sorting channel, a coin output port, and a currency return channel; the currency box comprises a foreign currency mixed storage currency box, a coin currency box, a recycling currency box, and a circulating currency box.

[0006] The paper currency input port is used for the user to put in banknotes.

[0007] The paper currency output port is used for the user to take out banknotes.

[0008] The multi-modal hybrid currency detection module is used for detecting the banknotes put in by the user to obtain a detection result.

[0009] The temporary storage area is used for storing real banknotes that have not been debited.

[0010] The foreign currency mixed storage currency box is used for storing foreign currencies of different denominations and different denominations.

[0011] The coin bank is used for storing coins; the coins are used for change making for a user to exchange foreign currency, or used for meeting other small change needs of the user;

[0012] The coin returning channel is used for returning coins to the user due to self-cancellation of the user in the case that the bank self-service teller machine is in a normal state;

[0013] The coin sorting channel is used as an independent coin dispensing channel for conveying coins to the coin dispensing port.

[0014] The coin dispensing port is used for the user to take out coins.

[0015] Optionally, the bank self-service teller machine further comprises a passport reading module.

[0016] The passport reading module is used for identifying identity information of the user.

[0017] Optionally, the multi-modal hybrid banknote detection module comprises a magnetic detection unit, a multi-spectrum fusion detection unit, a laser detection unit and a contamination detection unit.

[0018] In a second aspect, an embodiment of the present application provides a method for supporting foreign currency exchange, which is applied to the bank self-service teller machine provided in the first aspect, and the method comprises:

[0019] In response to a service operation triggered by the user on the bank self-service teller machine, identity information of the user is acquired.

[0020] When it is determined according to the identity information of the user that the user exchanges foreign currency, foreign currency banknotes put in by the user through the paper banknote inlet are received.

[0021] It is determined whether the foreign currency banknotes are real banknotes.

[0022] If yes, the foreign currency banknotes are stored, and a dispensing amount corresponding to the foreign currency banknotes is calculated according to an exchange rate, so as to complete banknote dispensing according to the dispensing amount.

[0023] If no, the foreign currency banknotes are transmitted to a coin returning port by using a coin returning channel of the self-service teller machine, or the foreign currency banknotes are stored in a recycling banknote box of the self-service teller machine.

[0024] Optionally, after the identity information of the user is acquired in response to the service operation triggered by the user on the bank self-service teller machine, the method further comprises:

[0025] According to the identity information of the user, a service type handled by the user is determined.

[0026] Optionally, the determining the service type handled by the user according to the identity information of the user comprises:

[0027] When the identity information of the user is the bank card information, the face information or the code scanning information of the user, it is determined that the service type handled by the user is the regular service of the bank self-service teller machine.

[0028] Optionally, the determining the service type handled by the user according to the identity information of the user comprises:

[0029] When the identity information of the user is the passport or the Hong Kong and Macao travel permit information of the user, it is determined that the service type handled by the user is the foreign currency exchange service.

[0030] Optionally, the judging whether the foreign currency banknote is a real banknote comprises:

[0031] The magnetic detection unit, the multispectral fusion detection unit, the laser detection unit and the contamination detection unit included in the multi-modal hybrid banknote detection module of the bank self-service teller machine are used to identify whether the foreign currency banknote is a real banknote.

[0032] Optionally, the storing the foreign currency banknote comprises:

[0033] According to different currency types, sizes and exchange frequencies of foreign currencies, dynamic storage position allocation is performed on the foreign currency mixed storage banknote box of the bank self-service teller machine to obtain an allocation result.

[0034] According to the allocation result, the foreign currency banknote is stored in a corresponding storage position area in the foreign currency mixed storage banknote box.

[0035] Optionally, the dynamic storage position allocation performed on the foreign currency mixed storage banknote box of the bank self-service teller machine according to different currency types, sizes and exchange frequencies of foreign currencies to obtain an allocation result comprises:

[0036] Dynamic priority calculation is performed according to different currency types, sizes and exchange frequencies of foreign currencies, and dynamic storage position allocation is performed on the foreign currency mixed storage banknote box of the bank self-service teller machine according to the obtained priority calculation result to obtain an allocation result.

[0037] The embodiment of the present application provides a bank self-service ATM and a method for supporting foreign currency exchange. The bank self-service ATM includes a banknote inlet, a banknote outlet, a multi-modal mixed banknote verification module, a temporary storage area, a banknote box, a coin sorting channel, a coin outlet, and a banknote return channel; the banknote box includes a foreign currency mixed deposit box, a coin banknote box, a recovery banknote box, and a circulation banknote box, wherein the banknote inlet is used for users to put banknotes; the banknote outlet is used for users to take banknotes out; the multi-modal mixed banknote verification module is used to detect the banknotes put in by the user and obtain the detection results; the temporary storage area is used to store real banknotes that have not been recorded; the foreign currency mixed deposit box is used to partition and store foreign currencies of different currencies and different denominations; the coin banknote box is used to store Coins; coins are used to make up the change for users when they conduct foreign currency exchange business, or to meet other small change needs of users; the return channel is used to return cash to users when the bank's ATM is in normal condition due to the user's voluntary cancellation of the deposit process; the coin sorting channel serves as an independent coin output channel, used to transfer coins to the coin output port; the coin output port is used for users to withdraw coins. Compared with existing self-service teller machines (ATMs), a foreign currency mixed deposit box and a coin box are added to support foreign currency exchange functions, enrich the ATM financial service scenarios, divert exchange processing at the counter, reduce the bank's labor costs, and improve the user's foreign currency exchange experience. BRIEF DESCRIPTION OF THE DRAWINGS

[0038] In order to more clearly illustrate the embodiments of the present application or the technical solutions in the prior art, the following briefly introduces the drawings required for use in the embodiments or the description of the prior art. Obviously, the drawings described below are some embodiments of the present application. For ordinary technicians in this field, other drawings can be obtained based on these drawings without any creative work.

[0039] Figure 1 A structural block diagram of a bank self-service teller machine provided in an embodiment of the present application;

[0040] Figure 2 A structural block diagram of a multi-modal hybrid banknote verification module provided in an embodiment of the present application;

[0041] Figure 3 A flowchart of a method for supporting foreign currency exchange provided in an embodiment of the present application;

[0042] Figure 4 A diagram showing the overall implementation process of supporting foreign currency exchange provided in an embodiment of the present application;

[0043] Figure 5 A schematic diagram of the partitions of the foreign currency mixed deposit box provided in an embodiment of the present application. DETAILED DESCRIPTION

[0044] In order to make the purposes, technical solutions and advantages of the embodiments of the present application clearer, the technical solutions in the embodiments of the present application will be described in detail below with the drawings in the embodiments of the present application. Obviously, the described embodiments are only some of the embodiments of the present application, but not all the embodiments of the present application. Based on the embodiments in the present application, all other embodiments obtained by those of ordinary skill in the art without creative efforts fall within the scope of the present application.

[0045] As described in the background, with the acceleration of globalization and the increase of international tourism and business activities, the demand for foreign currency exchange is growing. The traditional foreign currency exchange mode (bank counter, currency exchange point) has the problems of limited business hours, complicated process, and non-transparent exchange rate, etc., and the ATM machine usually only supports domestic currency deposit and withdrawal, which cannot meet the instant exchange demand of foreign nationals and cross-border tourists.

[0046] Although some ATMs currently support foreign card cashing, the limitation of foreign card cashing is that it cannot realize foreign currency paper exchange into RMB, and the supported card types are limited. In addition, although foreign currency exchange machines have been developed and put into trial, the popularity of foreign currency exchange machines is far less than that of ATM machines, which cannot fundamentally change the current situation of foreign currency exchange difficulty and reduce the user's foreign currency exchange experience.

[0047] Based on this, the present application proposes a bank self-service teller machine and a method for supporting foreign currency exchange. By modifying the traditional ATM, the ATM supports foreign currency exchange function, thereby enriching the scene of ATM financial services, relieving the counter exchange, reducing the labor cost of the bank, and improving the user's foreign currency exchange experience.

[0048] In order to make the technical solutions of the present application clearer and easier to understand, the specific embodiments of the present application will be described in detail below with the drawings.

[0049] Referring to Figure 1 The structural block diagram of a bank self-service teller machine provided in the embodiment is shown in FIG. 1. Figure 1As shown, the bank self-service teller machine includes: a paper currency input and output port 101, a multi-modal mixed currency detection module 102, a temporary storage area 103, a currency box 104, a coin sorting channel 105, a coin output port 106, and a cash withdrawal channel 107; the currency box 104 includes a foreign currency mixed storage box (a partitioned mixed storage box in the figure) 1041, a coin currency box 1042, a recycling currency box, and a circulating currency box; the paper currency input and output port 101 is used for a user to put in and take out banknotes; the multi-modal mixed currency detection module 102 is used for detecting the banknotes put in by the user to obtain a detection result (i.e., detecting that the banknotes put in by the user are real banknotes, counterfeit banknotes, or unidentifiable banknotes, etc.); the temporary storage area 103 is used for storing real banknotes that have not been debited; the currency box 104 is used for storing debited renminbi real banknotes, foreign currency real banknotes, counterfeit banknotes (usually stored in a recycling currency box), and unidentifiable banknotes (usually returned to the user through a cash withdrawal port), etc., and includes the foreign currency mixed storage box 1041 used for partitioned storage of foreign currencies of different currencies and different denominations, which can adapt to store identifiable currencies of various countries; the coin currency box 1042 is used for storing and dispensing coins (such as 1-yuan coins) to realize coin replenishment and coin distribution, wherein the coin replenishment refers to the process of replenishing coins in the ATM. The coin is used for change supplement for the user to handle foreign currency exchange business, or used to meet the user's other daily small change needs; the cash withdrawal channel 107 is used for cash withdrawal to the user due to the user's self-cancellation of the deposit process under the condition that the bank self-service teller machine is in a normal state; the coin sorting channel 105 is used as an independent coin output channel to transmit the coins to the coin output port 106; and the coin output port 106 is used for the user to take out the coins.

[0050] In a possible implementation manner of the embodiment, the bank self-service teller machine further includes a passport reading module, which is used to identify identity information of the user.

[0051] In a possible implementation manner of the embodiment, the multi-modal mixed currency detection module 102 of the bank self-service teller machine can specifically include a magnetic detection unit, a multi-spectrum fusion detection (ultraviolet, infrared, and terahertz) unit, a laser detection unit, and a contamination detection unit, as shown in the figure, to detect the authenticity, currency, denomination, and contamination degree of the banknotes in real time. It can be understood that the module input classification labels can be: renminbi real banknotes (Class A), foreign currency real banknotes (Class B), counterfeit banknotes (Class C), and unidentifiable banknotes (Class D). Figure 2

[0052] ​In summary, the bank self-service teller machine provided in the embodiment comprises a banknote input port, a banknote output port, a multi-modal mixed banknote detection module, a temporary storage area, a banknote box, a coin sorting channel, a coin output port and a banknote withdrawal channel. The banknote box comprises a foreign currency mixed storage banknote box, a coin banknote box, a recycling banknote box and a circulating banknote box. The banknote input port is used for a user to put in banknotes. The banknote output port is used for the user to take out banknotes. The multi-modal mixed banknote detection module is used for detecting the banknotes put in by the user to obtain a detection result. The temporary storage area is used for storing real banknotes that have not been debited. The foreign currency mixed storage banknote box is used for storing foreign currencies of different denominations and different currencies. The coin banknote box is used for storing coins. The coins are used for change when the user handles foreign currency exchange business or are used to meet other small change needs of the user. The banknote withdrawal channel is used for withdrawing banknotes from the user in the case that the bank self-service teller machine is in a normal state and the user voluntarily cancels the deposit process. The coin sorting channel is used for conveying the coins to the coin output port as an independent coin output channel. The coin output port is used for the user to take out the coins. Compared with the existing self-service teller machine (ATM), the foreign currency mixed storage banknote box and the coin banknote box are added to support the foreign currency exchange function, enrich the scene of ATM financial services, offload the counter for handling exchange, reduce the labor cost of the bank and improve the foreign currency exchange experience of the user.

[0053] In addition, referring to Figure 3 A flowchart of a method for supporting foreign currency exchange by using the bank self-service teller machine introduced in the above embodiment is provided in the embodiment. The method comprises the following steps.

[0054] S301: In response to a business handling trigger operation of the user on the bank self-service teller machine, identity information of the user is obtained.

[0055] In the embodiment, it should be noted that since the bank self-service teller machine (ATM) introduced in the above embodiment is used to provide the foreign currency exchange function for the user, it is necessary to confirm whether the user needs to perform foreign currency exchange when operating the ATM. Therefore, in response to the business handling trigger operation of the user on the bank self-service teller machine, the identity information of the user is obtained, and then the type of the business handled by the user is determined according to the identity information of the user.

[0056] Specifically, an optional implementation manner is that when the identity information of the user is bank card information, face information or scan code information of the user, it can be determined that the type of the business handled by the user is a regular business of the bank self-service teller machine, or when the identity information of the user is passport or Hong Kong and Macao travel permit information of the user, it can be determined that the type of the business handled by the user is a foreign currency exchange business.

[0057] In the implementation manner, as Figure 4The user selects the authentication type of the identity information to determine whether to perform the regular ATM service or the foreign currency exchange service. Specifically, first, the user can select the type of the identification document. When the user places the passport / HK / Macao pass into the passport reading module of the ATM, the application enters the foreign currency exchange service interface. Conversely, when the user selects a bank card / facial recognition / code scanning type, the application enters the ATM regular service interface. The standby interface displays the menu thumbnails of the ATM regular service and the foreign currency exchange service, and the bottom displays the supported foreign currency exchange country flag pattern and text.

[0058] Then, the user enters the foreign currency exchange service process, the passport reading module reads the passport information, and performs document, customer information, facial recognition, live detection, chip photo and on-site photo comparison, and other verifications. After passing, the user can select the transaction currency to perform the foreign currency exchange service, and place the foreign currency banknotes into the paper currency input slot.

[0059] S302: When it is determined according to the user's identity information that the user handles the foreign currency exchange service, receive the foreign currency banknotes placed by the user through the paper currency input slot.

[0060] In this embodiment, when it is determined according to the user's identity information that the user handles the foreign currency exchange service, the AIM can receive the foreign currency banknotes placed by the user through the paper currency input slot, for executing step S303.

[0061] S303: Determine whether the foreign currency banknote is a real banknote.

[0062] In this embodiment, due to the large difference in foreign currency anti-counterfeit features, the material and size are various, and the traditional RMB checking unit for checking banknotes may not be suitable for fast and accurate identification of foreign currencies. Therefore, after the AIM receives the foreign currency banknotes placed by the user through the paper currency input slot, it can further use the magnetic detection unit, multispectral fusion detection (ultraviolet, infrared, terahertz) unit, laser detection unit, and contamination detection unit included in the multi-modal hybrid banknote checking module to identify whether the foreign currency banknote is a real banknote. Among them, the size of the foreign currency can be classified by laser measurement, which is large (>140mm), medium (120-140mm), small (<120mm), etc., and a currency-denomination-size mapping table is established to determine whether the foreign currency banknote is a real banknote. If yes, continue to execute the subsequent step S304, if not, continue to execute the subsequent step S305.

[0063] S304: Store the foreign currency banknote, and calculate the corresponding banknote amount according to the exchange rate, so as to complete the banknote distribution according to the banknote amount.

[0064] In an optional implementation, the specific implementation process of storing foreign currency banknotes can be: first, according to different currencies, sizes and exchange frequencies of foreign currencies, dynamic position allocation is performed on the foreign currency mixed storage banknote box of the bank self-service teller machine to obtain an allocation result. For example, dynamic priority calculation can be performed according to different currencies, sizes and exchange frequencies of foreign currencies, and dynamic position allocation is performed on the foreign currency mixed storage banknote box of the bank self-service teller machine according to the obtained priority calculation result to obtain an allocation result. Then, according to the allocation result, the foreign currency banknotes are stored in the corresponding position area in the foreign currency mixed storage banknote box.

[0065] In the implementation, for the calculation of the dynamic priority, the priority P = 0.6 * (real-time inventory gap / position capacity) + 0.3 * historical exchange frequency + 0.1 * size adaptation degree. In the formula, the real-time inventory gap refers to the remaining capacity of the position of a certain currency, the position capacity refers to the total capacity of the position, the historical exchange frequency is the proportion of the exchange times of the local currency recorded by the device to the total exchange times, and the size adaptation degree refers to the size classification. Large-denomination foreign currencies are preferentially allocated to wide-channel positions to reduce the rate of jammed banknotes. Then, according to the calculated priority, the device internal conveyor belt calculates the path, and the foreign currencies are classified into high-frequency areas, balanced areas and edge areas, as shown in FIG. 8. Figure 5 Through the multi-feature classification banknote detection and dynamic position allocation algorithm, efficient utilization and rapid sorting of the foreign currency mixed storage banknote box are realized.

[0066] In the implementation, the dispensing of banknotes or coins from the cash storage unit of the device is divided into two steps of logical dispensing and physical dispensing. The logical dispensing refers to calculating the optimal combination mode of banknotes and coins by an algorithm, and only outputting the instruction of "how to allocate", without involving the actual dispensing action. The physical dispensing refers to converting the logical dispensing instruction into mechanical execution, accurately grabbing the banknotes / coins from the corresponding banknote box and conveying them to the banknote outlet.

[0067] S305: The foreign currency banknotes are transmitted to the banknote outlet through the banknote dispensing channel of the self-service teller machine, or the foreign currency banknotes are stored in the recycling banknote box of the self-service teller machine.

[0068] In this way, when the ATM performs foreign currency exchange, a kind of foreign currency is selected and banknote detection is completed, the amount of banknotes (such as RMB) is calculated according to the exchange rate, and logical dispensing is completed according to the combination dispensing algorithm. The combination dispensing of banknotes and coins is completed by issuing the dispensing instruction of the SP, the convenience of foreign currency exchange is improved, the customer satisfaction is improved, and the labor processing cost is reduced.

[0069] Those skilled in the art can clearly understand that all or part of the steps of the above-mentioned method in the embodiments can be implemented by means of software and necessary universal hardware platforms, from the description of the above-mentioned embodiments. Based on such understanding, the technical solutions of the present application can be embodied in the form of a software product in essence or in the part of the prior art that makes contributions. The computer software product can be stored in a storage medium, such as a ROM / RAM, a magnetic disk, an optical disk, etc., and includes a plurality of instructions to make a computer device (which can be a personal computer, a server, or a network communication device such as a media gateway, etc.) execute the method described in each embodiment or some part of the embodiments of the present application.

[0070] It should be noted that the various embodiments in the specification are described in a progressive manner, and each embodiment focuses on the differences from other embodiments. The same or similar parts between the embodiments can be referred to each other. For the device disclosed in the embodiments, since it corresponds to the method disclosed in the embodiments, the description is relatively simple, and the related parts can be referred to the method part.

[0071] It should also be noted that in this document, the relationship terms such as first and second are only used to distinguish one entity or operation from another entity or operation, and do not necessarily require or imply that there is any such actual relationship or order between the entities or operations. Moreover, the terms "include", "contain" or any other variants thereof are intended to cover non-exclusive inclusion, so that the process, method, article or device including a series of elements not only includes those elements, but also includes other elements not explicitly listed or inherent to such process, method, article or device. Without more limitations, the element defined by the statement "including a" does not exclude the presence of other identical elements in the process, method, article or device including the element.

[0072] The above description of the disclosed embodiments enables those skilled in the art to implement or use the present application. Various modifications to the embodiments will be apparent to those skilled in the art, and the general principles defined herein can be implemented in other embodiments without departing from the spirit or scope of the present application. Therefore, the present application will not be limited to the embodiments shown herein, but will conform to the widest scope consistent with the principles and novel features disclosed herein.

Claims

1. A bank self-service teller machine, characterized in that: The bank ATM includes: a banknote inlet, a banknote outlet, a multi-modal mixed banknote verification module, a temporary storage area, a banknote box, a coin sorting channel, a coin outlet, and a banknote return channel; the banknote box includes a foreign currency mixed deposit box, a coin banknote box, a recovery banknote box, and a circulation banknote box; The banknote inlet is used for users to insert banknotes; The banknote outlet is used for users to take out banknotes; The multi-modal hybrid banknote detection module is used to detect banknotes inserted by the user and obtain detection results; The temporary storage area is used to store real banknotes that have not been recorded; The foreign currency mixed storage box is used to store foreign currencies of different currencies and denominations in different partitions; The coin box is used to store coins; the coins are used to supplement the change when users handle foreign currency exchange business, or to meet other small change needs of users; The cash return channel is used to return cash to the user when the bank's self-service teller machine is in normal condition due to the user's voluntary cancellation of the deposit process; The coin sorting channel serves as an independent coin dispensing channel for conveying coins to the coin dispensing port; The coin outlet is used for users to take out coins.

2. The bank self-service teller machine according to claim 1, characterized in that: The bank self-service teller machine also includes: a passport reading module; The passport reading module is used to identify the identity information of the user.

3. The bank self-service teller machine according to claim 1, characterized in that: The multimodal hybrid banknote verification module includes: a magnetic detection unit, a multi-spectral fusion detection unit, a laser detection unit, and a non-destructive detection unit.

4. A method for supporting foreign currency exchange, characterized in that: The method is applied to the bank self-service teller machine according to any one of claims 1 to 3, and the method comprises: In response to a user triggering an operation to process a service at the bank's self-service teller machine, obtaining the user's identity information; When it is determined based on the user's identity information that the user is handling a foreign currency exchange business, receiving the foreign currency banknotes inserted by the user through the banknote inlet; Determining whether the foreign currency banknote is a genuine banknote; If yes, the foreign currency banknotes are stored, and the banknote output amount corresponding to the foreign currency banknotes is calculated according to the exchange rate, so as to complete the banknote distribution according to the banknote output amount; If not, the foreign currency banknotes are transported to a banknote return port by utilizing a banknote return channel of the self-service teller machine, or the foreign currency banknotes are deposited into a banknote recovery box of the self-service teller machine.

5. The method according to claim 4, characterized in that After obtaining the user's identity information in response to the user triggering the bank ATM service processing operation, the method further includes: The type of business handled by the user is determined based on the identity information of the user.

6. The method according to claim 5, characterized in that The determining, based on the identity information of the user, the type of service handled by the user includes: When the user's identity information is the user's bank card information, facial information or code scanning information, it is determined that the type of business handled by the user is a regular business of the bank's self-service teller machine.

7. The method according to claim 5, characterized in that The determining, based on the identity information of the user, the type of service handled by the user includes: When the identity information of the user is the passport or Hong Kong and Macau Pass information of the user, it is determined that the type of business handled by the user is a foreign currency exchange business.

8. The method according to claim 4, characterized in that The determining whether the foreign currency banknote is a genuine banknote includes: The multimodal hybrid banknote verification module in the bank's self-service teller machine utilizes the magnetic detection unit, multispectral fusion detection unit, laser detection unit, and contamination detection unit included in the module to identify whether the foreign currency banknote is a real banknote.

9. The method according to claim 4, characterized in that The storing of the foreign currency banknotes comprises: Dynamically allocating the foreign currency mixed deposit box of the bank's self-service teller machine according to different currencies, sizes, and exchange frequencies to obtain an allocation result; According to the allocation result, the foreign currency banknotes are stored in corresponding storage areas in the foreign currency mixed storage box.

10. The method according to claim 9, characterized in that The method dynamically allocates the foreign currency mixed deposit box of the bank's self-service teller machine according to different currencies, sizes and exchange frequencies of the foreign currencies to obtain an allocation result, including: Dynamic priority calculation is performed according to different currencies, sizes and exchange frequencies of foreign currencies, and according to the obtained priority calculation result, dynamic storage bin allocation is performed on the foreign currency mixed deposit box of the bank's self-service teller machine to obtain an allocation result.

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