CN105354942A - Bank counter business self-service system - Google Patents
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- CN105354942A CN105354942A CN201410407611.8A CN201410407611A CN105354942A CN 105354942 A CN105354942 A CN 105354942A CN 201410407611 A CN201410407611 A CN 201410407611A CN 105354942 A CN105354942 A CN 105354942A
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Abstract
The invention discloses a bank counter business self-service system. The bank counter business self-service system comprises a smart desktop and an automatic cash machine provided with a coin processing module. According to the invention, the smart desktop is employed to replace conventional high-low bank counters, and the smart desktop is combined with the automatic cash machine with a coin processing function, and therefore complete mechanization and automation of cash processing of conventional bank counter business can be achieved in the bank counter business self-service system; self-service of all counter business is achieved, i.e., a client can operate the bank counter business self-service system himself, and tellers do not participate in business processes any longer; and counter documents are all electronized, and therefore the business efficiency can be greatly improved.
Description
Technical field
The present invention relates to a kind of bank counter business self-aid system, particularly a kind of self-aid system automatically handling all bank counter business.
Background technology
Along with the development of national economy, bank outlets get more and more.Banking can be divided into " simple business " and " complicated business ": simple business refers to all counter services, and it has obvious standardization feature; The business such as credit, financing is complicated business, and its salient feature is personalized.
The problems such as current bank outlets' process " simple business " ubiquitous " queuing time is long " are endured consumer always to the fullest extent and are denounced, and the especially consumption such as festivals or holidays, lunch break and trip peak period, often queues long queue before bank counter.Sina's microblogging investigation display, the online friend of 42.9% have selected 20-40 minute.Only less than 14.3% respondent's mean waiting time within 10 minutes.Waiting time, the respondent in 20 minutes to 1 hour intervals accounted for 74.9%; Separately there is respondent's waiting time of 11.5% more than 1 hour.In addition, the investigation display of IBM commercial value research institute, domestic bank site is equal to 20% for the time of selling, and but accounts for 80%, site inefficiency for transaction, background process and administrative time.Therefore how to solve traditional site and the significant problem instantly needing solution badly is become for the problem of bank counter business processing inefficiency.
Increasing the ability of process " simple business ", be no doubt solution, but the cost of corresponding increase also becomes the bottleneck restricting each big bank by increasing dot number, number of windows and operating personnel.Therefore, in recent years, banking industry generally turns to e-channel: on the lines such as Mobile banking, Web bank, mobile payment financial service and the commercial affairs of Third-party payment platform clectronic flourish, improve the autonomous service level of client.But the running program of complexity, user, to the worry of security, can not process monetary transaction, and supervision department averts risks and clear stipulaties must the business handled of sales counter, as opened an account, makes electronic channel have certain limitation.
Summary of the invention
The object of the invention is to, a kind of bank counter business self-aid system is provided.It can by all robotic for the cash process of sales counter, and counter service is all self-oriented, and counter service document is all electronic, thus increase substantially the business processing efficiency of site.
Technical scheme of the present invention: bank counter business self-aid system, is characterized in that: comprise intelligent desktop (in order to replace the high and low sales counter of bank) and be provided with the automatic cash machine of Coin processing module.
In above-mentioned bank counter business self-aid system, described in be provided with Coin processing module automatic cash machine can process the bank note of 100 yuan, 50 yuan, 20 yuan, 10 yuan four kinds of denominations and the coin of 1 yuan, 1 jiao, 1 point three kinds of denominations, seven kinds of face amount cashes altogether.
In aforesaid bank counter business self-aid system, described intelligent desktop is provided with IC-card read module, bankbook read module and I.D. read module.
In aforesaid bank counter business self-aid system, described intelligent desktop is provided with print module and scan module.
In aforesaid bank counter business self-aid system, described intelligent desktop is provided with biology identification module, as fingerprint recognition, recognition of face, palm (finger) vein pattern identification, iris recognition etc.Wherein, fingerprint recognition and recognition of face are standard configuration, and other two according to bank's demand apolegamy.
In aforesaid bank counter business self-aid system, described intelligent desktop is provided with bank card and U shield provides module automatically.
In aforesaid bank counter business self-aid system, described intelligent desktop is provided with two pieces of touch-screens, uses to respectively client and teller; Two pieces of touch-screens are all furnished with camera, headset and loudspeaker.
Compared with prior art, the present invention uses intelligent desktop to substitute the high and low sales counter of traditional bank, and intelligent desktop and the automatic cash machine with coin processing capacity are combined, make traditional bank counter business all can realize cash process all robotic, robotizations in system of the present invention, counter service all realizes self-oriented (namely operation by client oneself, bank cashier no longer participates in business procedure), realize the completely self-oriented of bank's " simple business ", thus business efficiency can be made to be greatly improved.
The solution of the present invention compares with existing VTM scheme:
The innovation of bank counter business is current maximum difficult point.At present industry is attracted attention the most, with this programme the most close be VTM scheme.(the VTM scheme compared with this programme, makes a general reference all based on VTM hardware device, take long-distance video as the solution of core content).
The actual effect that the present invention brings to bank is as follows.
1, the high sales counter of bank 80% is desirable at present disappears, the machine processing of general cash business realizing 100%.Bank, in order to tackle wholesale access cash, also needs to retain a small amount of high sales counter (having bullet proof glass to protect) in large-scale site.
2, automatic cash machine and intelligent desktop with the use of, change the counter service of current bank 100% into self-service business.
3, the supervision on middle backstage and authorized person significantly reduce.Except the small part height sales counter retained also needs supervision and authorizes, after the business that major part site and large-scale site other window except high cube container are handled all changes over self-service business, corresponding supervision is withered away automatically with mandate, and operation flow shortens, efficiency increases substantially.
4, realize nothing card truly, roll over and can handle all business.
5, bank human resources is saved and structural adjustment.Except aforementioned supervision, authorized person significantly reduce, can 1-2 people as long as the configuration of site employee is minimum, compare the minimum 7-8 people in traditional site, a large amount of manpower can be saved.Meanwhile, the class of operation employee that former bullet proof glass works below will all make the transition as marketing class employee, and under the support of intelligent desktop, the customer manager of middle-size and small-size site all upgrades to Almightiness type customer manager.
6, the investment in bank business place can be saved.The minimum needs of area about 150 squares of tradition site, are divided into high cube container district, lowboy district, self-service district three part.Under the innovation scheme, middle-size and small-size site all only has self-service district and two, lowboy district part, and minimum has people site 40-50 square, no matter bank rents a house or buys house, the investment of its place of business all can be saved.
7, the business hours of bank arrange more to press close to customer demand.After this programme lands, bank escorts pick paper money case by no longer including unified arms, and except can reducing expenses, the commuter time of site can determine according to domestic customer's situation completely, need not Uniform provisions.
Above-mentioned 5,6,7 three integrate, and are applicable to very much the development of Community banks.
8, customer experience promotes.All business are handled by customer self-service, and the customer manager of bank is only to provide Operating Guideline, does not participate.Cleared away this obstacle of bullet proof glass, client and manager of bank face-to-face, will obtain a kind of experience completely newly.
Above-mentioned 8 effects that just this programme is basic after implementing.Intelligence desktop provides a powerful platform, and the difference being only level of intelligence height is used in the expansion on this.Because content is a lot, do not describe one by one.
Embodiment
Below in conjunction with embodiment, the present invention is further illustrated, but not as the foundation limited the present invention.
Embodiment.Bank counter business self-aid system, comprises intelligent desktop and the automatic cash machine being provided with Coin processing module.The described automatic cash machine being provided with Coin processing module can process the bank note of 100 yuan, 50 yuan, 20 yuan, 10 yuan four kinds of denominations and the coin of 1 yuan, 1 jiao, 1 point three kinds of denominations, altogether seven kinds of face amount cashes.Described intelligent desktop is provided with IC-card read module, bankbook read module and I.D. read module.Described intelligent desktop is provided with print module and scan module.Described intelligent desktop is provided with biology identification module.Described intelligent desktop is provided with bank card and module provided by U shield.Described intelligent desktop is provided with two pieces of touch-screens, uses to respectively client and teller; Two pieces of touch-screens are all furnished with camera, headset and loudspeaker.
The reason of traditional bank site inefficiency is as follows:
1, cash process can not be robotic.Current bank counter business (counting) in cash process is counted as master with paper money counter, and artificial counting is auxiliary.Paper money counter can only process wholesale bank note, and zero coin needs artificial treatment.
2, cash counting is separated with book keeping operation.Bank's book keeping operation generally uses computer system, but the count results of cash process needs among manual entry computing machine.
3, for preventing mistake, bank, in the process of wholesale cash-access business, is provided with review mechanism.Thus, add service link, add human cost, reduce process timeliness.Bank is " receipts (paying) cash and book keeping operation are not inconsistent " in the mistake that this link is common, and such as client is stored in 10,000 yuan, and multi input one zero during book keeping operation, just becomes stored in 100,000 yuan; Otherwise client gets 100,000 yuan, during book keeping operation, input one zero less, just become and get 10,000 yuan.
4, paper document is used.For controlling risk, in flow scheme design, often newly-increased (doing) business all needs to fill in a application form, and the important step among the first stroke business all has special business subpoena to need to print separately, sign separately.Repetitive operation is a lot, reduces efficiency.
5, each business all needs client and bank cashier both sides to participate in just completing, and business procedure is frequently changed between the two parties, and the promptness of linking directly affects business processing efficiency.
6, the identification of client is in artificial state completely.According to regulatory requirements, the important step of bank to important service or business all needs the identity veritifying client, and the full experience with employee self at present, by the photo in I.D. chip compared with client in front.
Two business choosing bank counter common are case, and the flow process after existing flow process and this programme being realized compares.
Case 1:
Withdraw the money 60,000 yuan, denomination requirement is: have 3 50 yuan, 4 20 yuan, 6 10 yuan, 10 1 yuan, other is 100 yuan.Regulatory requirements draws cash palpus examination more than 50,000 yuan I.D..
Case 2
New client opens an account, open Net silver, found short message service
As can be seen from above-mentioned two cases relatively, this programme solves the main cause of bank's existing site inefficiency:
1, cash counting is completely by the process of automatic cash machine, changes the existing present situation being added artificial treatment zero coin, little coin by paper money counter process important money.In practical business, nominal value kind is more, and the advantage of automatic cash machine process is more obvious.
2, cash count results is kept accounts automatically by system, changes existingly to not only increase efficiency by the mode of teller by count results input computer, has also fundamentally stopped the mistake that may occur in manual entry.
3, existing paper document is changed into electronic document, thus, client can at the scene or non-at-scene (in family computer, mobile phone etc.) carry out giving filling out list, shorten sales counter holding time.
4, replace cooperation finishing service by client and bank cashier both sides change into only by client's Self-operating finishing service by existing, not only make the linking in operation flow between links more smooth and easy, also make (supervision and the mandate) mechanism of checking in existing banking flow scheme design perish of oneself, thus simplify flow process.
5, introduce biology techniques in client identity certification, safety and efficiency is all improved.
Automatic cash machine of the present invention, its predecessor is TCR (teller's currency circulator), and there is production in nearly all ATM producer.The location of this equipment of TCR is placed on bank's lowboy to be operated by bank cashier, handles the receipt and payment of wholesale cash, to shunt high cube container pressure.Automatic cash machine of the present invention is director's bar shaped facility, and height is suitable with ordinary desktop, inside has five, bank note paper money case, except need having a useless paper money case, other all can be used as paper money case of depositing and withdrawing and uses, and can place at most four kinds of different denominations, bank note maximum dress paper money amount is 1,000,000.After increasing coin module, its process cash denomination reaches seven kinds.Seven kinds of cash denominations combinationally use, and can meet the cash requirement of the various number of client.Putting of automatic cash machine passes in and out paper money opening surface towards customer, enters above cash dispensing port and have a small liquid crystal display.Mixed the depositing of multiple denomination cash can need not arrange stored in during cash by client in advance, and when withdrawing the money, machine joins paper money automatically by minimum number principle, also can be specified the number of banknotes of certain denomination by client.Such as need the denomination of 10 10 yuan, other joins paper money automatically by machine.The safety certificate that automatic cash Ji You public security department issues, its level of security is identical with ATM.
About intelligent desktop, this is the core of this site back-up system.This desktop has following basic function module: identification: have fingerprint reading, metal code keypad, can select dress palm (finger) vein pattern identification, iris recognition, recognition of face; Card folding read module has: the readings such as magnetic card, chip card (near-field communication and radio-frequency card containing mobile-phone payment), bankbook; File and papers-scanning printing function: support A4 specification, support that invoice, voucher print, and can automatically add a cover banking official seal; Two pieces of touch-screens, use to respectively bank cashier and client, these two pieces of touch-screens have camera, loudspeaker and headset respectively, support long-distance video; Support Self-help card-distributing and self-servicely get Net silver password board (U shield).Is furnished with human body induction module; Dress USB interface can be selected.
There is no this product of intelligent desktop or similar products in the facility that current bank uses, relevant functional module major part uses in all kinds of facility of bank, and minority technology is that this programme adopts first in banking.As recognition of face, iris recognition, Quick Response Code etc.Intelligence desktop can combinationally use with automatic cash machine, also can be applied to separately the sales counter of cash-free business.
Wherein face recognition technology in this programme in three: one is Very Important Person.In flagship store, experience the large-scale site such as shop, sales department, some Very Important Person enter bank gate, relevant personnel can be notified in time, some client may need row senior relatives from meeting, some client needs financing manager to meet, the frequent customer of these client Dou Shi Bank of Chinas, remains with the photographic intelligence of these clients in system.Two is safety precautions.If there is the people worn masks with large-scale sunglasses to come into place of business, the video monitoring center on backstage will have danger signal to light, and screen is automatically moved to the most obvious position, note to arouse monitor staff.If the people wearing headgear occurs, also have warning while emergency warning lamp lights and sound, the video council of these site all angles appears at Surveillance center.Therefore, when masked robber one appears at bank outlets time, Surveillance center of higher level security department just sees, and phone and video pass to 110 command centres of public security organ in the very first time.When not having bullet proof glass, in order to the safety of site employee, the warning of site does not need employee to carry out, and business hall does not have alarm song yet.Three is authentications.Whether current bank, when handling multiple business, needs checking on-site customer to be same people with the certificate of its use.Some business kind is verified by Receptionist, and some business kind is verified by the authorized person of middle.No matter who is verified, is all to be verified with the experience of oneself by bank employee, and itself just has major hidden danger.The security staff that Shanghai Airport once occurred many years ago thinks that the photo seized the opportunity on people's I.D. (generation ID) is not for I, and refusal seizes the opportunity the thing of people's boarding, is finally seized the opportunity people and sues in a law-court, apologizes, sustains economic losses after losing a lawsuit.Airport security personnel are certainly through training and also can make mistakes, would not the employee of bank make mistakes? whether same photo in China second-generation identity card chip and on-the-spot camera clapped with face identification system the photo got and carry out comparison, be fast and accurate certainly.
First iris recognition technology came into operation at military aspect before 30 years, and scope is less.Had before 10 years and identified that the ATM of identity occurs with this.The iris recognition technology of current China is reached advanced world standards, in mine safety, have application more.Iris recognition is a kind of technology being better than the biological methods such as fingerprint, face, vocal print.Only need have a look camera lens with eyes, can clear ophthalmic glasses be worn, about response time 1-2 second.
Palm vein line and the identification of finger vena line.After having there is silica gel fingerprint sleeve abroad, vein pattern identification has just been developed.Sell most producers of ATM at present at home, it sells to Europe, the product of North America all can match vein pattern identification module, and just domestic bank does not propose demand.
About fingerprint recognition, according to the unified plan of the Ministry of Public Security, rise from this year, Xin Fa or the I.D. changed, all must enroll fingerprint.Along with the continuous propelling of this work, the people comprising finger print information in I.D. chip can get more and more.When customer self-service transacting business, if use the China second-generation identity card having finger print information, efficiency can improve greatly.
About Quick Response Code.Client handles important service in bank, and as opened an account, founding Web bank etc., bank can give customer prints a receipt.Current bank uses paper document, is confirmed by customer signature.After this programme changes electronic document into, client adopts the biology techniques such as fingerprint, iris to the confirmation of business.For protection customer privacy, receipt directly can not print fingerprint, the iris pattern of client, but print one piece of Quick Response Code on the position that client confirms.This Quick Response Code not only can restore the real fingerprint of client, iris pattern, also comprises the temporal information of client's transacting business, bank outlets' information.
Among the said equipment and technology, can be divided into must with optional two types.Automatic cash machine and intelligent desktop are necessary equipment, and card, folding, I.D. read, and the papers-scannings such as passport, document print, fingerprint recognition, near-field communication etc. are necessary technology, and iris recognition, the identification of palm vein line, recognition of face etc. are alternatives.
Claims (7)
1. bank counter business self-aid system, is characterized in that: comprise intelligent desktop and the automatic cash machine being provided with Coin processing module.
2. bank counter business self-aid system according to claim 1, it is characterized in that: described in be provided with Coin processing module automatic cash machine can process the bank note of 100 yuan, 50 yuan, 20 yuan, 10 yuan four kinds of denominations and the coin of 1 yuan, 1 jiao, 1 point three kinds of denominations, seven kinds of face amount cashes altogether.
3. bank counter business self-aid system according to claim 1, is characterized in that: described intelligent desktop is provided with IC-card read module, bankbook read module and I.D. read module.
4. bank counter business self-aid system according to claim 1, is characterized in that: described intelligent desktop is provided with print module and scan module.
5. bank counter business self-aid system according to claim 1, is characterized in that: described intelligent desktop is provided with biology identification module.
6. bank counter business self-aid system according to claim 1, is characterized in that: described intelligent desktop is provided with bank card and U shield provides module automatically.
7. bank counter business self-aid system according to claim 1, is characterized in that: described intelligent desktop is provided with two pieces of touch-screens, uses to respectively client and teller; Two pieces of touch-screens are all furnished with camera, headset and loudspeaker.
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Cited By (11)
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| CN106981128A (en) * | 2017-05-02 | 2017-07-25 | 浙江维融电子科技股份有限公司 | A kind of national treasury foreign currency intelligently matches somebody with somebody paper money device |
| CN106981129A (en) * | 2017-05-02 | 2017-07-25 | 浙江维融电子科技股份有限公司 | A kind of automatic multi national river matches somebody with somebody paper money machine |
| CN107248115A (en) * | 2016-12-22 | 2017-10-13 | 南京合荣欣业金融软件有限公司 | It is a kind of to keep accounts with receiving and paying out the monetary transaction processing method and system separated |
| CN108366061A (en) * | 2018-02-09 | 2018-08-03 | 北京小爱智能科技有限公司 | A kind of data processing system for social security |
| CN108564731A (en) * | 2018-02-11 | 2018-09-21 | 东方通信股份有限公司 | A kind of self-service processing equipment of deposit receipt and its operation principle |
| CN108711238A (en) * | 2018-08-10 | 2018-10-26 | 南京合荣欣业信息技术有限公司 | A kind of combination type bank customer service terminal |
| CN108776913A (en) * | 2018-06-06 | 2018-11-09 | 阿里巴巴集团控股有限公司 | Invoice source tracing method and device |
| CN109871675A (en) * | 2019-02-26 | 2019-06-11 | 蒙志标 | A kind of bank counter operating system that can volume reception comprehensively and pay |
| CN110084977A (en) * | 2019-04-01 | 2019-08-02 | 武汉市国土资源和规划信息中心 | Self-service query method, system, computer equipment and the storage medium of Immovable Property Registration information |
| CN111738836A (en) * | 2020-06-22 | 2020-10-02 | 中国银行股份有限公司 | Intelligent counter business information auditing method and device |
| TWI786506B (en) * | 2021-01-04 | 2022-12-11 | 合作金庫商業銀行股份有限公司 | Automatic counter transaction assistance system |
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| Publication number | Priority date | Publication date | Assignee | Title |
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| CN107248115A (en) * | 2016-12-22 | 2017-10-13 | 南京合荣欣业金融软件有限公司 | It is a kind of to keep accounts with receiving and paying out the monetary transaction processing method and system separated |
| CN106981128A (en) * | 2017-05-02 | 2017-07-25 | 浙江维融电子科技股份有限公司 | A kind of national treasury foreign currency intelligently matches somebody with somebody paper money device |
| CN106981129A (en) * | 2017-05-02 | 2017-07-25 | 浙江维融电子科技股份有限公司 | A kind of automatic multi national river matches somebody with somebody paper money machine |
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| CN108564731A (en) * | 2018-02-11 | 2018-09-21 | 东方通信股份有限公司 | A kind of self-service processing equipment of deposit receipt and its operation principle |
| CN108776913A (en) * | 2018-06-06 | 2018-11-09 | 阿里巴巴集团控股有限公司 | Invoice source tracing method and device |
| CN108711238A (en) * | 2018-08-10 | 2018-10-26 | 南京合荣欣业信息技术有限公司 | A kind of combination type bank customer service terminal |
| CN109871675A (en) * | 2019-02-26 | 2019-06-11 | 蒙志标 | A kind of bank counter operating system that can volume reception comprehensively and pay |
| CN110084977A (en) * | 2019-04-01 | 2019-08-02 | 武汉市国土资源和规划信息中心 | Self-service query method, system, computer equipment and the storage medium of Immovable Property Registration information |
| CN111738836A (en) * | 2020-06-22 | 2020-10-02 | 中国银行股份有限公司 | Intelligent counter business information auditing method and device |
| CN111738836B (en) * | 2020-06-22 | 2023-08-22 | 中国银行股份有限公司 | Intelligent counter business information auditing method and device |
| TWI786506B (en) * | 2021-01-04 | 2022-12-11 | 合作金庫商業銀行股份有限公司 | Automatic counter transaction assistance system |
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Application publication date: 20160224 |