CN101599196B - Automated transaction machine - Google Patents
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- CN101599196B CN101599196B CN2009101490172A CN200910149017A CN101599196B CN 101599196 B CN101599196 B CN 101599196B CN 2009101490172 A CN2009101490172 A CN 2009101490172A CN 200910149017 A CN200910149017 A CN 200910149017A CN 101599196 B CN101599196 B CN 101599196B
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Abstract
A financial transaction apparatus (30) includes a financial transaction machine (32). The machine includes devices (34) including transaction function devices (42, 44, 46, 48) for carrying out operations associated with financial transactions. The terminal also includes an imaging device (50) and an audio input device (52), as well as a visual output device (36) and an audio output device (54). Terminal (32) is connected to a computer (68) which has an associated data store (70). The identity of a customer operating the machine is determined by resolving first identity data. Second identity data is resolved by the processor from voice signals from the audio input device corresponding to the user's voice.
Description
The application divides an application, and the application number of its original bill application is 98811188.8, and the applying date is on November 19th, 1998, and denomination of invention is " financial transaction apparatus and the method for identification authorized user appearance and sound ".
Technical field
The present invention relates to realize the device and the system of financial transaction.More precisely, the present invention relates to the financial transaction apparatus of discerning authorized user according to user's appearance and sound.
Background technology
Financial transaction system is well-known in prior art.The universal class of financial transaction system comprises auto-teller (ATMs, or ATM).Auto-teller can be used to handle such as drawing deposits from the account, and transfer fund between the account is deposited in the account, deposit account inquiry into balance and depend on the banking of other types of transaction of auto-teller ability.
Comprise auto-teller and state the ability of preparing to have the valuable article except that allotting cash at interior financial transaction terminal.This type article comprise traveller's check, token, ticket, stamp and voucher etc.
In the past, the client is to letting auto-teller and other financial transaction machine discern theirs with a card.The coded data that representative of consumer and/or their account number are arranged on this card.In addition, from blocking sense data, further require input to improve security corresponding to blocking the person identfication number sign indicating number (PIN) of going up coded data uniquely through auto-teller then.Data when conforming on person identfication number sign indicating number and card only, auto-teller just allow the user further to operate machines to manage business.
Developed the card that comprises IC chip.These so-called " smart cards " on chip relevant for user and/or their account's information.Said chip also can have data that card is gone up storage and between the PIN number of financial transaction terminal input, verify its ability that whether conforms to by the client.Also can be on chip with the data storage of representing cash value.Although smart card can provide more function to pacify gold property with improving.But be substantially similar to the card of on tape, encoding or passing through other method coding in the operation aspect the financial transaction machine.
In recent years, proposed to adopt method except that coding card and the PIN data to discern the authorized user of financial transaction machine.The method that has proposed comprises that employing fingerprint reads technology, whereby the available electron method read the user fingerprint correctly to discern authorized user.The shortcoming of this method be cost than higher, keep cleanliness that fingerprint reads the district and possibly propagate communicable disease.Employing iris scan technology was also proposed in addition.This technology is to discern authorized user through the unique patterns that the iris with eyeball interrelates, and when application should technology, when the user hopes to operate machines, just requires user's eyes to see facing to the scanister in the financial transaction machine.
Above-mentioned two kinds of identification users' method is often suffered client's resistance.This is because many users hope to protect their private secret, does not hope that handle relates to their fingerprint or the information of eyeball characteristic offers the third party.Often worry that this information can be abused.Users are reluctant to be exposed to the instrument that reads finger or eyeball characteristic to themselves mostly.Although firm basis does not have some still to worry to be exposed to this instrument and possibly have injury.As a result, the user is exactly the above-mentioned recognition methods of being reluctant to accept to be used for the financial transaction device sometimes.
The operator of financial transaction system also hopes when the user is handling their transaction business, can promote the sale of goods to the user of financial transaction machine and service is provided.Yet in the past, above-mentioned sale is very ineffective.This is because the interest of machine customer is different.And what offer all users all is the information of same product.To the uninterested user of providing product information, provide information just to become the thing of trouble.
Therefore, people need such financial transaction apparatus and method, and promptly it should provide the security of enhancing, and don't invade user's privacy or want them to be exposed to them and think to have potential nocuous device.Also need in addition and can give the user product distribution selectively, can point out the user to instruct the financial transaction apparatus of operating equipment through Voice & Video again simultaneously.
Summary of the invention
An object of the present invention is to provide a kind of financial transaction apparatus.
Another object of the present invention provides a kind of financial transaction apparatus that can discern authorized user through their appearance and sound characteristic.
Another object of the present invention provides a kind of financial transaction apparatus that can discern authorized user according to the degree of correlation between health appearance and the sound characteristic.
Another object of the present invention provide a kind of can be by health appearance or sound characteristic, or discern the financial transaction apparatus of authorized user with the method for importing through artificial (manually).
Another object of the present invention provides and a kind ofly guides the user to accomplish the financial transaction apparatus of transaction with auditory tone cues.
Another object of the present invention provide a kind of can be according to user's hobby, with auditory tone cues or guide the user with visual cues and accomplish the upright financial transaction apparatus that is prone to.
Another object of the present invention provides a kind of hobby data according to the user, promotes the financial transaction apparatus to the user to market product selectively.
Another object of the present invention provides a kind of data of collecting subscriber-related hobby selectively, user image data and user voice data, and use above-mentioned information and discern the user, and promote financial transaction apparatus to market product selectively to the user.
Another object of the present invention provides a kind of data according to client's hobby, offers user's financial transaction apparatus through multimedia.
Another object of the present invention provides a kind of financial transaction apparatus that comprises the financial transaction machine that the noncash ticket that can be used for exchange for products can be provided.
Another object of the present invention provide a kind of through user voice input by the financial transaction apparatus of being imported.
Another object of the present invention provides a kind of method that is used to operate financial transaction apparatus, and this method is discerned the user according to the degree of correlation of view data and voice data.
Another object of the present invention provides a kind of method that is used to operate financial transaction apparatus, and this method is supplied to the user to the information that relevant product is sold selectively according to the consumer taste data.
Another object of the present invention provides a kind of method that is used to operate financial transaction apparatus, and this method comprises a sequence of operation, and wherein financial transaction machine is exported to the user to acoustic information, and accepts sound instruction from the user.
Another object of the present invention provides a kind of method that is used to operate financial transaction apparatus, and wherein the user can operate financial transaction machine through sound input or artificial (craft) input selectively.
Other purpose of the present invention will be perfectly clear through the elaboration in following realization optimal mode of the present invention and the appended claims.
In most preferred embodiment of the present invention, reach aforesaid all purposes by the equipment that comprises a financial transaction machine.This machine comprise be used to provide the image input, the such one type imaging device of for example video camera; This machine also comprises the acoustic input dephonoprojectoscope that is used to provide audio input signal.But this machine also comprises as card reader and keyboard the input media of one type manual mode operation in addition, and as display screen and voice loudspeaker one type output unit.
Financial transaction machine and assembly thereof and computing machine interlock running.The aforementioned calculation machine is connected on the data-carrier store.Data-carrier store comprises the data corresponding to numerous authorized users of financial transaction machine.Comprising the recognition data to each user in the user data, for example possibly be the exclusive number that is equivalent to this user's social insurance number or account number and so on.Data-carrier store also comprises and the corresponding data of user's macroscopic features, and with the corresponding voice data of user voice characteristic.Data-carrier store preferably also comprises the data of representing each user to purchase commodities and like.
Also be stored in the data-carrier store and with computing machine interlock running be that the product that the product that representative can supply the user to buy is sold is sold data.The said goods is sold and is comprised that the client can sell through commodity or service that financial transaction machine is bought.Data-carrier store also comprises and is intended to cause various products are sold the audio-visual data of buying interest.
In the financial transaction machine running, when client's convergence machine, will detect their arrival.Machine generates image input signal according to client's macroscopic features, and generates audio input signal according to client's sound characteristic.Computing machine or other processors judge according to above-mentioned signal and the information in the data-carrier store whether client's appearance conforms to an authorized user.Computing machine judges according to audio input signal whether client's sound conforms to authorized user.If video and voice data have enough degrees of correlation, so computing machine is judged to point out that the client before machine is the user of one (and only this) approval.As long as appearance conforms to voice data, just allow this user's operation to adorn as the trading function of a machine part.Perhaps, if fully verify this user inadequately from the fiduciary level of appearance and voice data, just point out this client by manual operating means on the machine, for example card reader and/or keyboard are imported recognition data.
In case the machine client has been identified and has told client's recognition data, just confirm client's hobby data according to the data of selling in the data-carrier store.Select product to sell data based on client's hobby data by computing machine then.Through financial transaction machine prospective users can interested relevant product sale information be offered the user.In most preferred embodiment, make the user carry out the relevant item of buying through sound input instruction machine.Perhaps, the client also can select to operate machines through manual work input quietly.
When the client had chosen product of purchase, the computer starting financial transaction machine was to offer ticket of client, other ticket that voucher or representative products are sold.When the client was just waiting for that above-mentioned object is paid, computing machine also provided audiovisual output to the client, and the content of these outputs is the purchases according to the client, expected to make that client is interested provides.
The user of financial transaction machine can also handle usually the banking of other type that can accomplish through auto-teller.Yet, can discern under user's the situation through the input of appearance and sound at said equipment, and not require that client's input card or PIN data accomplish above-mentioned transaction.In case transaction is accomplished, the client just can take the article of allotting out from financial transaction machine away and leave.In case the client leaves machine and goes.Equipment is just got ready for other clients manage business.
Description of drawings
Fig. 1 is the synoptic diagram of the financial transaction apparatus of most preferred embodiment of the present invention.
The flow chart of the example that Fig. 2-the 6th, user conclude the business with the financial transaction treatment facility.
Fig. 7-16 is illustrated in the transaction as an example; To with the synoptic diagram of the Voice & Video input and output of making from equipment of the present invention; In example; Promote giving user's product is the paper money of various concerts, and Figure 16 is in above-mentioned process of exchange, the content of the various different audio frequency outputs of being made by this equipment.
Embodiment
With reference to accompanying drawing,, summarize the financial transaction apparatus of representing of the present invention with 30 shown in the figure especially with reference to Fig. 1.Equipment 30 comprises the financial transaction machine of representing with 32.Shown in figure,, machine 32 can realize various bankings and the auto-teller that can sell the voucher of paper money or exchange for products but being one.In a further embodiment, machine 32 possibly be the financial transaction machine of another kind of type, and for example, ticket printer, token distribution device, cash dispenser must verify maybe whether the user is the machine of other type of authorized user.
Comprise multiple device 34 in the machine 32.Device 34 possibly be the display screen 36 of CRT or similar output unit.The input media that comprises the manual mode operation of keypad 38 and card reader (reading machine, down together) 40 is included within the machine 32.Keypad 38 can be alphanumeric type similar with phone keypad or the keyboard that is similar to typewriter.Card reader 40 can be to be applicable to a kind of in several kinds of universal classes of reading of data from the card of user input.Card reader 40 also can be to be applicable to read cassette smart card or the two reading machine.
All devices 34 in financial transaction machine 32 through interface 60 be connected to one or multichannel with on 58 communication buss represented.Each interface is suitable for specific device separately.Communication bus 58 and processor 62 interlock runnings.Processor 62 can comprise one or more processors or separate computer.This processor sends message (information, down with) to each device and from their reception information and the operation of controlling them.Operate with the 64 data-carrier store interlocks represented among processor 62 and the figure.Data-carrier store 64 is included in financial transaction machine 32 used instruction in service and out of Memory.Must be understood that; Although in the illustrated embodiment; Financial transaction machine is connected with processor and external data memory with outer computer, but embodiments of the invention also can be placed in all the professional required processing and the hardware and software of data storage within the machine 32.
Processor 62 and communicator 66 interlock runnings.Communicator 66 is modulator-demodular units or is used for other device with other computing machine and system communication.Communicator 66 can be via telephone wire, and wireless communications method, fiber optic cables or other are applicable to that the device of the information that transmits and receive data communicates by letter.
As shown in Figure 1, computing machine 68 has output related with it and input media.The display 74 of machine is as output unit.Keyboard 76 is used as input media separately with Genius mouse 78.
In the drawings usually with 80 entry terminals represented also with network 72 running that links effectively.Entry terminal 80 comprises the input media that comprises keyboard 82 and Genius mouse 84.Entry terminal 80 also comprises the output unit that comprises display 86 and loudspeaker 88.Video camera 90 also is comprised in an interior part as entry terminal 80 with microphone 92.Entry terminal 80 can be pressed the mode that articles and opinions state and be used to import user data.
In service in system, data-carrier store 70 is preserved the user data of the authorized user that relates to equipment.Above-mentioned user data comprises the specific user's in the recognition system user ID data.User ID data preferably includes and the corresponding view data of the macroscopic features of each authorized user.View data can obtain through the facial and/or upper part of the body of video camera 50 observations near the user of machine.In one embodiment of the invention; To use the facial recognition software that is called Facelt (R) with user's macroscopic features data and be stored in the data-carrier store, above-mentioned software can be buied from Wei Xiao Nyx Co., Ltd (Visionics Corporation) on market.
Data-carrier store 70 also comprises the voice data of relevant authorized user.Voice data comprises the sound characteristic of authorized user and the particular password of being selected by the user.In one embodiment of the invention, rel promise that can available Billy scholar on the application market is taken off with Ha Yousipi (Lernout&Hauspie) company automatic speech recognition software and is generated and the voice data of storing relevant user.
The user data that is stored in the data-carrier store also comprises the account data about each user.Above-mentioned account data preferably comprises and each user-dependent account number, and the account information of other data that interrelate about remaining sum and other and savings, check, credit card and other accounts.Can store above-mentioned information by the mode of the financial business disposal system that is generally used for operating auto-teller or terminal, point of sale (POS).Can above-mentioned information be input in the data-carrier store 70 through the input media that is similar to keyboard 76 and Genius mouse 78, above-mentioned input media perhaps directly perhaps is connected on the computing machine 68 through network 72.
Data-carrier store 70 also comprises product sale data.Product is sold data and is comprised that representative can supply the commodity that the authorized user of machine 32 can buy or the product data of service.The said goods is sold data can comprise for example relevant concert ticket, or token, and complimentary ticket or other can exchange the information of the voucher of commodity and service for.Data-carrier store preferably also comprises relate to the audiovisual briefing material that product that the client possibly select to buy is sold on machine.
Data-carrier store 70 preferably also comprises the data of the various hobbies that authorized user is used.On behalf of the interested product of authorized user meeting, the data of said user's hobby preferably include sell the information of type.For instance, above-mentioned consumer taste data can comprise the hobby of connection music and the hobby of other products, estimate that promptly authorized user can interested commodity and COS.The said goods hobby data can be the data of being liked and being disliked by the expression that each user provides.Perhaps, about the data of client hobby can comprise demography and other data that are stored in the data-carrier store, therefrom can analyze the user and like substantially and what is disliked.Computing machine 68 comprises the canned data according to institute, and selection may be to the program of user's interest product sale.
Though in the embodiment of native system; Be described as data-carrier store 70 to preserve the storer of user data; But must be understood that; Data-carrier store 70 can be made up of the relevant data-carrier store in several and several discrete process unit, and they move with storage by rapport and reproduce (recovery) user data.Perhaps, the data-carrier store in financial transaction machine 32 64 can be stored some or all user data and system moves needed program information.
Before the financial transaction apparatus operation.According to the mode that is generally used for the financial transaction disposal system, be input to the account data of relevant authorized user in the data-carrier store 70.And sell relevant information with product and can be presented at the mode on machine 32 display screens 36 according to making.The data of selling product also are input to data-carrier store.As mentioned below, the said goods is sold data can comprise various dissimilar concerts on the horizon, the concert place, and admission fee is chosen the information of decision with other about the client.
Audio-visual information also is stored in the data-carrier store.For instance, above-mentioned audio-visual information can be Active-Movie compression standard (MPEG) file, and it wraps concert performer's MTV, and the paper money of their concert can be buied through machine 32 this moment.The also available data necessary of data-carrier store 70 and 64 is programmed to such an extent that financial transaction machine 32 can be operated as auto-teller, and is sent to clients' various accounts to relevant loan information.
Through being similar to the terminal of entry terminal 80 or entry terminal 94, the data of customer image data, voice data and consumer taste are input in the data-carrier store 70.Preferable is that computing machine 68 can respond a profile that is stored in the data-carrier store 70 and obtain program (profile acquisition routine) and transmission information.This profile obtains program can obtain user data from the user of operating terminal 80 or 94.For example, as long as the user is in the position of terminal 80 regulations, the user will obtain program by this profile and obtain prompting, will discern them and import as the system authorization user's data.Above-mentioned data can comprise for example account number or the social insurance number through keyboard 82 inputs.In addition, in order to strengthen peace gold property, can also point out the client to pass through their PIN of keyboard input.
Can point out the user to watch display 86 attentively through display 86 or through loudspeaker 88.Video camera 90 is the facial identification of Facelt (R) video camera of a Wei Xiao Knicks company (Visionics Corp.) that is commercially available in most preferred embodiment; It obtains the face with the user; Head and/or the corresponding image input signal of appearance above the waist, and with above-mentioned data storage in data-carrier store 70.After this, user data obtains program start, through loudspeaker 88 or display 86, and the order of prompting subscriber's outlet.This password is preferably selected by the user, can be any word or phrase.When the user says password, gather his or her sound by microphone 92.Audio input signal by microphone 92 generates is handled through computing machine 68, and by the voice recognition software it is stored in the data-carrier store 70.
Preferable is that data are obtained software and also pointed out the user that the information that possibly be used to set up the consumer taste data is provided.Above-mentioned consumer taste data can comprise demographic data, the music interest data, and economic data maybe be to the useful data of confirming that the user likes or dislikes with other.For obtaining the user in the cooperation that provides aspect the consumer taste data accurately, available such as freely deposit or promotional item thing reward the user.
In the process of above-mentioned information is provided, may require oral some problem of replying of user.Preferablely be; These oral data that can not only be used to produce subscriber-related hobby of replying; But also making the voice recognition software can access the data that further can recognize user voice exactly, profile obtains that program preferably can fully be obtained essential consumer taste data and recommends the client so that selectively product is sold.These data obtain program also preferably can fully obtain essential sound and view data, so that verify user's identity through his or her appearance and sound.
The user can be at subbranch of bank or kindred organization's operating terminal 80.At such mechanism place, customer service agent can help the user in the operating aspect at terminal, or the procurator can operate machines to obtain this customer image and voice data, and perhaps, the user can respond the prompting that provided by terminal operating terminal alone.
In some cases, system user to go to terminal 80 can with the place possibly be inconvenient.Perhaps, the user possibly would rather keep bigger private secret, thereby from a remote site needed user data is provided.This can accomplish at the like remote terminal of application examples 94 such terminals.For example, remote terminal 94 can be in users home or the user personal computer of office.Such terminal can connect for the Internet of representative or other wide area network through network 112 among the figure.Certainly when the client can provide user data by this way, application encipher and other safety technique to protect the private secret of client and to make the danger of being swindled reduce to minimum.
Flow chart among Fig. 2-6 shows the logical program block diagram of implementing according to financial transaction apparatus of the present invention.Logical program step in flow chart basically with Fig. 7-15 in the input and output that are used for transaction flow corresponding.Transaction is 116 beginnings from the start-up point.In above-mentioned start-up point, machine 32 is in dormant state mostly.Perhaps, display screen 36 and loudspeaker 54 can be play the TV welcomed, so that be attracted to the user on the machine.Above-mentioned TV is shown by the display screen with 118 expressions among Fig. 7.
The user is firm near machine.In program step 120 just by sensor 56 perception users' appearance.Make the user by the judgement of perception in program step 122.In certain embodiments, as perception user during near machine, video camera 50 just can start to obtain user's image.Yet in like some embodiment that Fig. 2 showed, some user possibly would rather operate machines not according to interactive mode.For example, if the user when the situation machine operated of the agreement of other authorized user, they will operate machines based on themselves image and sound.Perhaps, some users possibly would rather not want the auditory tone cues that machine provides or accepts the sound input.Therefore, in program step 124, by perception the time, just point out the user to show that whether otherwise the quiet transaction of sounding they.In program step 126, make the judgement whether client has shown that they would rather quiet transaction, if be judged to be, with regard to the executive routine step 128.
In program step 128, the processor of operation financial transaction machine 32 do not have or the situation of sound-inhibiting output under move.In addition, also be added to demonstration on the display screen 36 to screen prompt, with the information that replaces sending with sound usually.This preferably uses the text voice switching software that in native system, uses to accomplish.If the input and output of customer selecting sound-inhibiting, then transaction flow is imported through card/PIN and is carried out, and this will combine Fig. 3 to discuss after a while.Be appreciated that the characteristic of the sound-inhibiting of machine, it possibly be desirable can not replying voice output for the sense of hearing or speech shortcoming are arranged or provide the people of sound input.Perhaps, be difficult to hear in the noisy environment of voice output that for example in the shopping centre of prosperity or in sports, the sound-inhibiting characteristic all possibly be desirable the user.Perhaps, the purpose that the user would rather sound-inhibiting only is for conservative they private secret.
In other embodiment, when machine is pressed the sound-inhibiting mode operation, can obtain user's image, and be stored in the storer with the relation of being mutually related with the data of relevant transaction at trading time period.The view data of above-mentioned and the relating to persons of operating machines later on can be with its reproduction and analysis when the client claims that above-mentioned transaction is uncommitted.Perhaps, the pattern of unattended operation machine how, all can obtain and storing image data every transaction.
If not sound-inhibiting output of user, if perhaps machine does not provide the selection scheme of this inhibition, then transaction flow begins to carry out program step 130, in this program step, is observed user's face by video camera.The orientation of video camera 50 is its visual field to be aimed at the middle part of user's face on the terminal 32, and the visual field of software computing adjustment simultaneously makes its aligned in general user's facial middle part catch view data.
The image input signal that video camera provides in program step 132 by corresponding processor processes.After handling image well, to the view data that comes across the client before the machine whether be stored in the data reservoir in the view data of authorized user conform to and decision making.This accomplishes in program step 134.If said view data and authorized user is inconsistent, then of the transaction flow that showing among Fig. 3, transaction flow begins to point out the client machine to be used their card and PIN.
Yet if the conforming to of said view data and authorized user, transaction flow begins to carry out program step 136.In program step 136, the display screen 36 of processor control terminal 32 comprises the screen of address name with demonstration.In addition, in program step 138, the loudspeaker through terminal 32 send user welcome, can audible voice output information.In this embodiment, the welcome message of presenting to the client can audible information in company with other, all is that file layout (WAV) file by stored waveform sound generates, and these files are stored in one of data-carrier store of the processor that effectively is connected to the terminal.List among Figure 16 described in this, be applied to the WIN file in the transaction as an example.
Next step begins transaction flow through program step 140, in this program step, through the password or the password phrase of can audible information indicating user saying them that is generated by the WIN file.This is shown by screen 2 in Fig. 7.In program step 142, transaction flow is waited and is listened password (or password phrase).In program step 144,, then point out the user to say their password once more in program step 146 if do not hear password.When returning (retry) program step 140, can provide and audiblely to point out: " please repeat " the user.This is shown by screen 148 and 150 in Figure 15; Must be understood that screen 148 and 150 is display screen but be presented at situation about producing in some output not.User's password do not generate an apology information if still know during retry in program step 152 in the second time.This apology information is corresponding to the screen shown in Figure 15 20.Can audible apology information export together with screen 20.
If receive user's voice data, handle in the program step of in Fig. 3, representing from the input signal of microphone 154.In program step 156, to the audio input signal of client's password (or password phrase) whether be stored in data-carrier store in the sound of authorized user conform to and decision making.If result of determination is that transaction flow does not begin to proceed to the program step 152 of aforementioned generation screen 20.Yet; If the sound input conforms to authorized user; Then 158 pairs of program steps from the users of voice data identification with between the user of view data identification, whether have the sufficient degree of correlation to decision making, can only be the user of mandate with the user who guarantees before machine, to occur.
Though; In said embodiment program step 158 relate to through Flame Image Process discern the user with differentiate to handle through sound discern the user intersect (dual) verified users identity data; But in a further embodiment, can make complicated more degree of correlation verification.This is useful especially when using the algorithm of the various dissimilar probability percentages that produce a plurality of authorized users.When producing above-mentioned percentage, need mostly to set up to show that image and voice data both point to the confidence level of unique user, before the user will be considered to authorized user, must surpass this confidence level.In a particular embodiment, the concrete grammar that is used for confirming sound and image correlativity will depend on and be this checking used particular technology and algorithm.
In program step 158, if having more than, sound and view data accord with an authorized user, so, transaction flow just begins through foregoing program step 152.Yet if sound and view data accord with a single authorized user, transaction flow begins to carry out program step 160.In program step 160, show an output on the display screen 36, and generate the voice output that comprises " identity is differentiated and verified " with a wav file.The voice output of sending from machine comprises user's name, and under the situation of giving an example in Fig. 7, user's name is " Jeff Hill ".This shows through screen among Fig. 73.Above-mentioned address name can show according to the literal that is stored in the address name in the storer by computing machine and produce, can audible signal and generated by text-to-speech software.Perhaps, the signal of the address name that can representative be said by the user is stored in the storer when user terminal 80 or 94 places provide user data to system.
If during the checking of appearance/sound. when the data that obtain can not be confirmed user's identity, transaction flow began through aforesaid apology step.This apology information in program step 152, generate and with Figure 15 in screen 320 corresponding.Transaction flow begins to carry out program step 162 therefrom, and in this program step, the prompting user puts their card in the card reader 40 at terminal 32 into.The situation shown in the screen 164 is corresponding among above-mentioned prompting and Figure 15.Transaction flow then begins to handle above-mentioned card data in program step 166.In program step 168, the prompting user is through keyboard 38 their PIN of input.This is corresponding with the screen condition 170 shown in Figure 15.Handle the PIN data in program step 172, and decision making about whether above-mentioned PIN data and card data meet with authorized user 174 pairs of program steps.
If the PIN data do not conform to card data, transaction flow begins to export a sorry information in program step 176, and screen condition 178 is corresponding among sorry information and Figure 15.If PIN and card data obtain sure checking, then transaction is proceeded, and can discern them just like appearance and voice data equipment according to the user.As noted earlier, when connecing this mode and operate machines, embodiments of the invention can obtain and store user's image, and make it to be stored in the storer with correlationship with transaction data.
As shown in Figure 3, next step begins transaction flow through program step 180.In this program step, confirm user's account information.After this, in program step 182, which hobby differentiates the client according to the hobby data that are stored in the client in the data-carrier store has to shopping.Above-mentioned hobby data can be corresponding to the information that is directly provided by the client, perhaps can be according to the hobby data through providing the analysis of information to draw in the past to the client.Above-mentioned analysis can be accomplished by computing machine.
Then transaction flow begins through program step 184, in this program step, and the data of the product that the supplied client that application client hobby data select preparation to offer the client buys.In case selected product data are just in the said product data of program step 186 outputs.
The product data output that appears in program step 186 is shown with output by the distribution of the series shown in Fig. 8-13 screen.Because the input and output information flow of each width of cloth in these screens and distribution screen (proms) 1-6 identification all is similar, so only go through some screens among Fig. 8.
In the instance shown in Fig. 8, the client likes data and shows that the user likes rock music and jazz.To there being this user who likes to make acoustic information together with screen 4.On the display screen 36 at terminal, demonstrate information, simultaneously with explaining that the paper money of these concerts still can buy by audible acoustic information about rock music on the horizon and jazz music meeting.
In program step 188, transaction flow prompting client please they make one's options to wanting the paper money of buying any concert.This is as shown in Figure 8ly can audible information to accomplish from the terminal through one.The client does not make oral answer with " being " or " not being ".In the program step 190 of transaction flow, show that the above-mentioned purchase input by the identification of voice recognition software receives.If the client explains that through their audio inquiry they do not hope to buy the paper money of any concert, then transaction flow begins through program step 192, then carries out some program steps, but whether the inquiry family will use exchange 32 to carry out other transaction.
Yet when if the user will buy, transaction flow begins through program step 194, and in this program step, the prompting user makes buying and selects.Shown in screen among Fig. 84, with auditory tone cues please instruction manual the title of their concert wanting to buy.The word group that will use when the user answers is pointed out through the information on the display screen.Under situation as shown in Figure 8, user or answer with word group " rock music " or with " jazz ".In the transaction flow shown in Fig. 4, in program step 196, the selection input of being made through audio inquiry by the user is received.In program step 198, whether selected A (rock music) to decision making to the user, if result of determination is for being, then transaction flow begins to carry out program step 200, the selected data of output representative.This can let the subscriber checking machine whether correctly accept their selection.This is shown by the screen of selecting corresponding to " rock music " concert 5 in Fig. 8.
Similarly, if do not selected A (promptly not selecting rock music) in program step 198, then transaction flow begins to carry out program step 202, in this program step, judges whether the user has selected B promptly to select " jazz ".If result of determination is for being, then transaction flow begins the selection data of output corresponding to " jazz " in program step 204.This program step is corresponding to situation about being shown by screen 6 among Fig. 8.
No matter what kind of the user made and selected, then transaction flow begins to point out the program step 206 of instruction manual quantity input.As shown in Figure 8, above-mentioned prompting is audiblely to point out, and it is explained the admission fee of the concert that the user selectes and inquires the user that he will buy several tickets.The user then makes answer with the quantity input.This is undertaken by program step 208 in transaction flow.Must be understood that though in the example shown in Fig. 8, the admission fee of two concerts is identical, this only is a coincidence.The price of product all is to be confirmed by the product sale data that are stored in the data-carrier store, can be different prices concerning Different products.
Transaction flow then begins to carry out program step 210.In this program step, the reception of the quantity input that provided with sound by the client made check.If the client provides suitable input, transaction flow then begins to charge to admission fee in what account's the account at program step 212 prompting instruction manuals.This has screen 7 and 8 to represent in Fig. 8, in above-mentioned two screens the prompting instruction manual they whether want to pay their admission fee with their credit card.As in the transaction flow by shown in the program step 214, equipment is waited the audio inquiry from the user of listening the loudspeaker 52 through financial transaction machine 32 to send.Then whether correctly receive to make and check in program step 216 account data.
If correctly receive from the replying of client, be logged into the admission fee expense in the account illustrated by client's input in program step 218.The processing of entering item in an account expense is to accomplish by the conventional mode of debt-credit accounts.Though in transaction flow, do not give schematically illustrated; But above-mentioned processing comprises the measure that is used to shut the book; The notice clients' accounts no longer can defrayment, for example because the account had overspend etc. already, if above-mentioned situation takes place, can offer the client to corresponding output information.Preferably the client is given rise to misunderstanding and feels that in straitened circumstances mode provides above-mentioned information.
Be that transaction flow begins through program step 220 under the suitable situation in program step 218 is confirmed to enter item in an account charge, in this program step, the ticket dispensers 48 in the terminal 32 prepare also to allot the ticket of being ordered by the client.This is under the control of processor or the situation by the control of the processor of operating terminal, to accomplish.
In program step 222, according to the product that the user has purchased, the transaction flow operation may interested audio-visual data so that in data-carrier store, select the user.In most preferred embodiment, this is the concert performer's of the relevant client concert of having bought ticket MTV data.After confirming above-mentioned TV material, the transaction flow operation provide as show among Fig. 8, thank to the client and tell and ask them to appreciate the output information of TV.Foregoing is accomplished in program step 224, in this program step, also presents to the client to TV.From the output at terminal 32 by screen Fig. 87 or 8 and Figure 14 in screen 226 illustrate.
As shown in Figure 5, next step begins transaction flow through program step 228, and it is corresponding to the screen condition among Figure 14 18.In screen condition 18, the client is made sound propose to thank them to use the terminal, ask them to appreciate the music that they have just purchased the concert of ticket, also remind them to take their paper money away simultaneously.
Take away the client after their paper money, whether they also need carry out other transaction to transaction flow program step 230 prompting clients.This is shown by screen among Figure 14 232.If the client explains that in program step 230 they also want to do other transaction, transaction flow begins to let the client operate the auto-teller trading order of transaction function devices on the auto-teller machine.For instance, these functional devices can comprise printer 42, storeroom 44, cash dispenser 46 or ticket dispenser 48.The mode that allows the client to operate these transaction function devices will depend on the specific setting and the programming of system.
Like what in Figure 4 and 5, shown, if in program step 198,210 or 216, do not receive from the replying of client, then demonstrate the information of apology in the transaction program step 234.Then make output request client and repeat their replying in program step 236.This gives the client can audible information " please repeat " from the wav file generation corresponding to the situation 150 of the screen among Figure 15 in this program step.Then transaction flow is waited the answer of listening the user at program step 238 machines.
In program step 240, whether relevant client is provided and can audible sound input decision making.If like this, decision making,, it just turns back to above-mentioned trading order if being an appropriate input in program step 242.If input is appropriate, transaction flow then began through series of programs step, and the equipment of turning back to fails to understand that the user uses that point that the client that before provided replys, and begins therefrom, and transaction flow is undertaken by common mode.Yet to reply or reply be inappropriate if do not receive, and transaction flow proceeds to the transaction program step 230, and in this program step, whether the inquiry client they want to carry out another kind and conclude the business.This is corresponding to the situation 232 of screen among Figure 14.
With reference to Fig. 6, next step begins transaction flow through program step 244, and after reception was replied in this program step, it is professional whether the prompting client hopes to carry out another kind.In program step 246, decision making to whether receiving to reply, if like this. confirm in program step 248 whether said replying shows that the client hopes to carry out another business.If like this, transaction flow begins to represent the program step 250 of auto-teller trading order.Must be understood that above-mentioned trading order can be in the included transaction function devices in 32 of operating machines, and is used to one of some orders of pointing out the client.
If make negative judgement in program step 246 or 248, then transaction flow begins through program step 252, in this program step, generates output information.The content (screen) that above-mentioned output information is shown corresponding to screen among Figure 14 19.In the illustrated embodiment, when presenting above-mentioned screen, the terminal to client output can audible " thank you " information.Must be noted that, the same with Figure 15, above-mentioned " thank you " screen and acoustic information be with the situation that can not handle client trading at equipment according to different reasons under present to the client screen and information be the same.
After output information, the client be in order to check the commodity of having allotted to them, or collect their personal belongings in addition maybe be financial transaction machine 32 other staying for some time.Deal with data is to discern same client once more owing to do not hope to let equipment, and transaction flow begins through program step 254, and in this program step, this system wait client leaves this zone so that he or she no longer by 56 sensings of machine sensor.This accomplishes through program step 256.In case the client has left the machine district, thereby will realize that the return information step 258 makes transaction flow turn back to machine and is prepared as the position that the another one client handles transaction.Perhaps, if in a certain schedule time, the client does not leave the machine district, and transaction flow will the query user see whether they want to carry out another transaction.Then, reply according to the oral of client, machine will restart trading order, perhaps waits for a period of time in addition again.
Though not shown in the transaction flow, embodiments of the invention can comprise, if the authorized user of operating machines leaves the measure that the flow process of just preparing to shut the book is immediately used from the zone near machine.This to the user who operates machines recognize other places need them to note and the sort of situation left under possibly be useful.In this case, equipment is placed shut the book, and stop to allot ticket, cash or valuables to the user.Like this, the user can be left near the machine, forget card or other money's worth of taking them away and need not miss.Above-mentioned characteristic can be useful especially to forgetful people.This type people possibly leave behind card and go up machine, makes it can not handle transaction.Perhaps, the client possibly forget card taking, or allots currency or other money's worth of giving them.The present invention has improved convenience and has reduced dangerous concerning these users.
Must be understood that,, in a further embodiment, possibly use other prompting combining form, or only use one type prompting form although in most preferred embodiment, use the prompting form of video and audio frequency knot platform to point out the client to handle transaction.For example, as previously mentioned, or the one or two people that hope to keep privacy impaired for the sense of hearing, machine can only provide visual prompting.So just can let the client operate machines through hand gear, for example, if be that touch screen shows, just can be with virtual " button " that provide on the display screen 36, or operate machines with the true button that is close to the display screen setting.Perhaps, can artificial input be provided through keypad 38.Card reader also plays the effect of the manual input device of the manual work input that responds card.In certain embodiments, card data particularly is stored in the data on the smart card, can be used for the convenient transaction processing that the disabled person is arranged individually.
Perhaps, can use and all can listen the output of type to operate machines.This is favourable to the impaired people of visual aspects.In most preferred embodiment, be used for becoming voice can promote the dirigibility of machine and adapt to handicapped people text conversion with the software that speech conversion is become literal.In machine, comprise and can for example touch quick display screen with the input media of manual mode driving, card reader, keypad or other install, and help the various operator schemes of the most preferred embodiment of equipment widely.
From the argumentation of front contact transaction flow shown in Figure 8, will appreciate that; Can like data and present to the client to the product distribution data of other types according to being stored in client in the data-carrier store; For example, Fig. 9 likes the client of rock music and country music that a similarly transaction is shown.The screen situation that interrelates with this transaction flow is a screen situation 9,5,10,7 and 11.Equally, Figure 10 is for not only liking rock music but also the people who enjoys classical music to show a transaction.Represent with numbering 12,5,13,7 and 14 in the screen situation map that relates to.
Shown in Figure 11 is for liking the transaction that the people gave an example of jazz and country music.The screen of demonstration situation is 15,6,10,8 and 11.Like the people of jazz and classical music can use the screen display shown in Figure 12 to one.These are screen situation 16,6,13,8 and 14.At last, Figure 13 representes to supply the conclude the business screen of usefulness of a people who enjoys classical music with country music.Above-mentioned screen situation is 17,13,10,14 and 11.From the argumentation of front, will appreciate that, these certain products sell together with screen situation and sound and visual cues all only be used for illustrational.Can sell the product of many other types by financial transaction machine of the present invention.Common product comprises the competitive sports ticket, game class ticket, and the transportation class ticket, or represent the product of any other type of commodity or service to sell, as long as this type commodity or service can be represented just passable easily with voucher or ticket.The present invention can also be connected to product through network 72 or network 112 and sell data and the resourceful area of audiovisual materials, and this will make the user can be by the diversified widely product of equipment purchase of the present invention.
Shown in the embodiment as discussed previously, the user can select from several prods simultaneously on the block.Although in the illustrated embodiment, user only two kinds of products in same classification sells selection between (that is, the concert paper money), and in other embodiments, the client can select from different quantity, dissimilar products on the block.The demonstration that can make product sell information is special for various products and client, and in some cases, some client can accept product sale information or limited product sale information more widely.
Most preferred embodiment of the present invention also allows accurately to discern authorized user and does not need the user to carry identification card.When the present invention obtains accurate identification, to being reluctant the people of others their fingerprint of access or iris scan individually.The present invention does not violate the intention that they keep secret yet.In addition, optimised form of the present invention also unlikely can be to being concerned about their eyes of scanning, and the client of both hands or other body part has any danger.
Therefore, novel financial transaction machine of the present invention and method have reached various purpose set forth above, have eliminated all difficulties that use prior-art devices and method to suffer from, and have solved variety of issue and have realized the result of the expectation described in this.
Some term is for easy in the superincumbent description, Cai clear be convenient to understand usefulness.Yet they do not have any restrictive, sense, because these art speech are only used for purpose of description, they should be broadly construed.In addition, explanation among this paper and diagram are used for for example, those details in accompanying drawing shown in the present invention is not limited to or the description.
In the following claims; Any conduct should be interpreted into not comprise in order to the characteristic of the equipment of accomplishing a function or method anyly can accomplish said function tasks, equipment or method, and should not be considered to specific device or method or its equivalent in order to accomplish said function that are confined to describe in this article.
Described characteristic of the present invention, discovery and principle above, the mode of its structure, operation, advantage and the useful achievement of acquisition: all are new to be included within the appended claims with useful structure, device, element, arrangement, parts, combination, system, equipment, operation, method and relation thereof.
Claims (10)
1. ATM, comprising:
At least one processor;
The cash distributor that is connected with at least one processor;
The card reader that is connected with at least one processor;
The a plurality of output units that are connected with at least one processor, wherein, this output unit comprises display device and voice output;
The card reader that is connected with at least one processor; Wherein, this card reader reads the accounts information on the subscriber card in operation, wherein; This at least one this card reader of processor response read from the accounts information on the subscriber card, authorized user is concluded the business on ATM;
The a plurality of input medias that are connected with at least one processor, wherein, this input media comprises keyboard, camera, microphone, and at least one can manually actuated button;
Wherein, the sound that this at least one processor carries out through microphone in response to this user is imported and with the user images that camera capture is grasped, is authorized this user on ATM, to carry out more transaction;
The sensing apparatus that is connected with at least one processor; Wherein but this sensing apparatus sensing exists near the user of ATM;
Wherein, The user near ATM that this at least one processor response sensing device senses arrives arrives; Make voice output output sound information, require the user to offer this ATM explanation user and like the silent trade or the input of sound transaction;
Wherein, the explanation user that can receive from the user of at least one in these a plurality of input medias likes the silent trade or the input of sound transaction;
Wherein, This at least one processor can respond the input of liking sound transaction from user's explanation user; Continue through the more acoustic informations of voice output output, the prompting user provides enough inputs through microphone, makes the cash of cash dispense some;
Wherein, this at least one processor can respond the input of liking silent trade from user's explanation user, stops through the more acoustic informations of voice output output, and sensing apparatus continues the user existence of sensing near ATM simultaneously.
2. according to claim 1 ATM; Wherein, This sensing apparatus can provide at least once input and user to accomplish sensing between current transaction two time at ATM the user not exist near the user of ATM; Wherein, this at least one processor this sensing device senses near the user of ATM not the time respond, stop current transaction.
3. the ATM of claim 2; Wherein, This sensing apparatus can provide this at least once to import and the user accomplishes sensing between current transaction two time at ATM and exists near the user of ATM the user; Wherein, There is certain schedule time in this at least one processor in sensing device senses but does not sense the user at least one responds when any more input is arranged in through a plurality of input medias to the user, make the information of at least one output in these a plurality of output units, requires the user user that furnishes an explanation whether to require the input of another time transaction.
4. according to claim 1 ATM, wherein, this at least one processor can be stored the information that links with this sound input of receiving through the microphone at least one data-carrier store from the user in operation.
5. the ATM of claim 4; Wherein, Storage with import the acoustic information be associated at the sound in this at least one data-carrier store after; This at least one processor can be according to the consistance of user through the acoustic information preserved in the input of the more sound of microphone and the data-carrier store, and authorized user carries out this more transaction on ATM, and need not in card, to read accounts information.
6. the ATM of claim 5, wherein, the sound input that this at least one processor can respond the user is liked data storage with client and is gone at least one data-carrier store.
7. the ATM of claim 6, wherein, this at least one processor can respond the hobby data that are stored at least one data-carrier store makes display device output that product information is provided.
8. the ATM of claim 5; Wherein, At least one processor can make captured by camera user's image in operation when the sensing apparatus perception exists near the user of ATM, wherein at least one processor can preserve in operation with at least one data-carrier store in the image information that is associated of user images.
9. the ATM of claim 8; Wherein, After image information is stored at least one data-carrier store; The consistance of the image information of preserving in more images of user that this at least one processor is grasped according to camera capture and the data-carrier store comes authorized user on ATM, more to conclude the business, and need not to read the accounts information in the card.
10. the ATM of claim 9; Wherein, At least one data-carrier store comprises corresponding to a plurality of user data of users; Each user data of users comprises identity data corresponding to this unique user, corresponding to the image information of the macroscopic features of this unique user and corresponding to the acoustic information of the sound characteristic of this unique user, wherein this at least one processor response is stored in more users image and at least one macroscopic features in this at least one data-carrier store, differentiates first user ID data; Wherein, At least one processor response is stored in the more sound inputs and at least one sound characteristic in this at least one data-carrier store, differentiates second user ID data, and wherein; This at least one processor compares the degree of association of first and second user ID data, and response degree of association authorized user carries out more transaction on ATM.
Applications Claiming Priority (4)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| US6731697P | 1997-11-28 | 1997-11-28 | |
| US60/067,316 | 1997-11-28 | ||
| US09/037,559 US6023688A (en) | 1997-11-28 | 1998-03-09 | Transaction apparatus and method that identifies an authorized user by appearance and voice |
| US09/037,559 | 1998-03-09 |
Related Parent Applications (1)
| Application Number | Title | Priority Date | Filing Date |
|---|---|---|---|
| CN98811188A Division CN1278935A (en) | 1997-11-28 | 1998-11-19 | Financial transaction apparatus and method that identifies an authorizd user's appearance and voice |
Publications (2)
| Publication Number | Publication Date |
|---|---|
| CN101599196A CN101599196A (en) | 2009-12-09 |
| CN101599196B true CN101599196B (en) | 2012-01-18 |
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| Application Number | Title | Priority Date | Filing Date |
|---|---|---|---|
| CN2009101490172A Expired - Fee Related CN101599196B (en) | 1997-11-28 | 1998-11-19 | Automated transaction machine |
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| CN (1) | CN101599196B (en) |
| RU (1) | RU2199779C2 (en) |
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| AU2004288358A1 (en) * | 2003-11-06 | 2005-05-19 | Atsushi Matsunaga | Medical information computerized system, program and medium |
| US7783564B2 (en) * | 2006-07-25 | 2010-08-24 | Visa U.S.A. Inc. | Compliance control in a card based program |
| KR101481907B1 (en) * | 2013-08-02 | 2015-01-12 | 주식회사 엘지씨엔에스 | Apparatus for transmitting Data |
| CN104702417A (en) * | 2015-04-03 | 2015-06-10 | 成都爱维科创科技有限公司 | Security authentication system and method |
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| US4993068A (en) * | 1989-11-27 | 1991-02-12 | Motorola, Inc. | Unforgeable personal identification system |
| US5185515A (en) * | 1989-10-26 | 1993-02-09 | Hitachi, Ltd. | Automated teller machine and method thereof |
| US5386104A (en) * | 1993-11-08 | 1995-01-31 | Ncr Corporation | System and method for detecting user fraud in automated teller machine transactions |
| CN1118908A (en) * | 1994-06-07 | 1996-03-20 | 株式会社日立制作所 | Automatic cash trading device |
| US5576951A (en) * | 1984-05-24 | 1996-11-19 | Lockwood; Lawrence B. | Automated sales and services system |
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1998
- 1998-11-19 CN CN2009101490172A patent/CN101599196B/en not_active Expired - Fee Related
- 1998-11-19 RU RU2000116632A patent/RU2199779C2/en not_active IP Right Cessation
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| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| US5576951A (en) * | 1984-05-24 | 1996-11-19 | Lockwood; Lawrence B. | Automated sales and services system |
| US5185515A (en) * | 1989-10-26 | 1993-02-09 | Hitachi, Ltd. | Automated teller machine and method thereof |
| US4993068A (en) * | 1989-11-27 | 1991-02-12 | Motorola, Inc. | Unforgeable personal identification system |
| US5386104A (en) * | 1993-11-08 | 1995-01-31 | Ncr Corporation | System and method for detecting user fraud in automated teller machine transactions |
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Also Published As
| Publication number | Publication date |
|---|---|
| RU2199779C2 (en) | 2003-02-27 |
| CN101599196A (en) | 2009-12-09 |
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