CN110995760A - Unmanned mobile banking outlet business processing system, server, outlet and method - Google Patents
Unmanned mobile banking outlet business processing system, server, outlet and method Download PDFInfo
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- G07F—COIN-FREED OR LIKE APPARATUS
- G07F19/00—Complete banking systems; Coded card-freed arrangements adapted for dispensing or receiving monies or the like and posting such transactions to existing accounts, e.g. automatic teller machines
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- G08G1/00—Traffic control systems for road vehicles
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Abstract
The invention provides an unmanned mobile banking outlet business processing system, a server, an outlet and a method, wherein the system comprises: the client is used for receiving a business handling reservation request of a user and sending the reservation request to the server; the service end is used for determining the unmanned mobile banking outlets which process the business handling reservation requests and sending scheduling instructions to the determined unmanned mobile banking outlets; the unmanned mobile bank outlets are used for planning driving routes through an unmanned technology according to the scheduling instructions and arriving at appointed places at appointed times; acquiring identity information of a user arriving at an appointed place, performing identity authentication, and controlling a mobile bank outlet gate to be opened when the authentication passes; and through the self-service business handling equipment, business handling is carried out for the user entering the unmanned mobile banking outlet. The technical scheme realizes that the participation of workers is not needed in the whole process of business handling of the mobile banking outlet, and reduces the operation cost of the mobile banking outlet.
Description
Technical Field
The invention relates to the technical field of data processing, in particular to an unmanned mobile banking outlet business processing system, a server, an outlet and a method.
Background
The mobile banking outlets are equipped with business handling platforms in a mobile vehicle mode, and can independently and movably provide all-around financial services for customers. The system makes up the defects of channels such as telephone banks, mobile phone banks, internet banks and the like, and meets the financial service requirements of customers at any time.
At present, the existing mobile banking outlets still need drivers and workers, and each mobile banking outlet needs to be equipped with more than 2 persons, so that the operation cost of the mobile banking outlets is high.
In view of the above problems, no effective solution has been proposed.
Disclosure of Invention
The embodiment of the invention provides an unmanned mobile banking outlet business processing system, which is used for reducing the operation cost of a mobile banking outlet and comprises:
the system comprises a client, a server and a server, wherein the client is used for receiving a service handling reservation request of a user and sending the service handling reservation request to the server; the service processing reservation request comprises reserved time and reserved place;
the service end is used for determining the unmanned mobile banking network node for processing the business handling reservation request according to the business handling reservation request and the vacancy degree of the unmanned mobile banking network node and sending a scheduling instruction to the unmanned mobile banking network node; the scheduling instruction comprises appointed time and place determined according to the appointed time and place;
the unmanned mobile bank outlets are used for planning driving routes through an unmanned technology according to the scheduling instructions and arriving at appointed places at appointed time; acquiring identity information of a user arriving at an appointed place, performing identity authentication, and controlling a mobile bank outlet gate to be opened when the authentication passes; and through the self-service business handling equipment, business handling is carried out for the user entering the unmanned mobile banking outlet.
The embodiment of the invention also provides an unmanned mobile banking outlet business processing server, which is used for reducing the operation cost of the mobile banking outlet and comprises:
the second receiving unit is used for receiving a service handling reservation request of a user;
the scheduling unit is used for determining the unmanned mobile banking network node for processing the business handling reservation request according to the business handling reservation request and the vacancy degree of the unmanned mobile banking network node;
the second sending unit is used for sending a scheduling instruction to the unmanned mobile banking outlet; the scheduling command includes an appointed time and place determined according to the appointed time and place.
The embodiment of the invention also provides an unmanned mobile banking outlet, which is used for reducing the operation cost of the mobile banking outlet and comprises the following components:
a third receiving unit, configured to receive a scheduling instruction;
the unmanned control unit is used for planning a driving route through an unmanned technology according to the scheduling instruction and arriving at an appointed place at an appointed time;
the identity authentication unit is used for acquiring identity information of a user arriving at an appointed place, performing identity authentication and controlling the mobile bank outlet door to be opened when the authentication passes;
and the self-service business handling equipment is used for handling business for the user entering the unmanned mobile banking outlet.
The embodiment of the invention also provides an unmanned mobile banking outlet business processing method, which is used for reducing the operation cost of the mobile banking outlet and comprises the following steps:
the client receives a service handling reservation request of a user and sends the service handling reservation request to a server; the service processing reservation request comprises reserved time and reserved place;
the server side determines an unmanned mobile banking outlet for processing the business handling reservation request according to the business handling reservation request and the vacancy degree of the unmanned mobile banking outlet, and sends a scheduling instruction to the unmanned mobile banking outlet; the scheduling instruction comprises appointed time and place determined according to the appointed time and place;
the unmanned mobile bank outlets plan driving routes through an unmanned technology according to the scheduling instructions and arrive at appointed places at appointed times; acquiring identity information of a user arriving at an appointed place, performing identity authentication, and controlling a mobile bank outlet gate to be opened when the authentication passes; and through the self-service business handling equipment, business handling is carried out for the user entering the unmanned mobile banking outlet.
The embodiment of the invention also provides an unmanned mobile banking outlet business processing method which is applied to a server and used for reducing the operation cost of a mobile outlet, and the method comprises the following steps:
receiving a service handling reservation request of a user;
determining an unmanned mobile banking outlet for processing the service handling reservation request according to the service handling reservation request and the vacancy degree of the unmanned mobile banking outlet;
sending a scheduling instruction to the unmanned mobile banking outlet; the scheduling command includes an appointed time and place determined according to the appointed time and place.
The embodiment of the invention also provides a service processing method of the unmanned mobile banking outlet, which is applied to the unmanned mobile banking outlet and used for reducing the operation cost of the mobile outlet, and the method comprises the following steps:
receiving a scheduling instruction;
planning a driving route through an unmanned technology according to the scheduling instruction, and reaching an appointed place at an appointed time;
acquiring identity information of a user arriving at an appointed place, performing identity authentication, and controlling a mobile bank outlet gate to be opened when the authentication passes;
and performing service handling for the user entering the unmanned mobile banking outlet.
The embodiment of the invention also provides computer equipment which comprises a memory, a processor and a computer program which is stored on the memory and can run on the processor, wherein the processor realizes the unmanned mobile banking outlet business processing method when executing the computer program.
The embodiment of the invention also provides a computer readable storage medium, and the computer readable storage medium stores a computer program for executing the unmanned mobile banking outlet business processing method.
The technical scheme provided by the embodiment of the invention comprises the following steps: the client receives a service handling reservation request of a user and sends the service handling reservation request to a server; the service processing reservation request comprises reserved time and reserved place; the server side determines an unmanned mobile banking outlet for processing the business handling reservation request according to the business handling reservation request and the vacancy degree of the unmanned mobile banking outlet, and sends a scheduling instruction to the unmanned mobile banking outlet; the scheduling instruction comprises appointed time and place determined according to the appointed time and place; the unmanned mobile bank outlets plan driving routes through an unmanned technology according to the scheduling instructions and arrive at appointed places at appointed times; acquiring identity information of a user arriving at an appointed place, performing identity authentication, and controlling a mobile bank outlet gate to be opened when the authentication passes; through the self-service business handling equipment, the business handling is carried out for the user entering the unmanned mobile bank outlet, the whole process of the business handling of the mobile bank outlet is realized, no staff is needed, and the operation cost of the mobile bank outlet is reduced.
Drawings
In order to more clearly illustrate the embodiments of the present invention or the technical solutions in the prior art, the drawings used in the description of the embodiments or the prior art will be briefly described below, it is obvious that the drawings in the following description are only some embodiments of the present invention, and for those skilled in the art, other drawings can be obtained according to the drawings without creative efforts.
FIG. 1 is a schematic structural diagram of an unmanned mobile banking site business processing system in an embodiment of the present invention;
FIG. 2 is a schematic diagram of the service processing of an unmanned mobile banking site in an embodiment of the present invention;
FIG. 3 is a schematic diagram of a scenario of an unmanned mobile banking site business process according to an embodiment of the present invention;
FIG. 4 is a schematic structural diagram of a service processing client of an unmanned mobile banking site in an embodiment of the present invention;
FIG. 5 is a schematic structural diagram of a service end of an unmanned mobile banking outlet in an embodiment of the present invention;
FIG. 6 is a schematic structural diagram of an unmanned mobile banking outlet in an embodiment of the present invention;
FIG. 7 is a flow chart of an unmanned mobile banking site business processing method applied to the system in the embodiment of the present invention;
FIG. 8 is a flowchart illustrating a method for processing services at an unmanned mobile banking site applied to a server in an embodiment of the present invention;
fig. 9 is a schematic flow chart of an unmanned mobile banking outlet business processing method applied to an unmanned mobile banking outlet in the embodiment of the present invention.
Detailed Description
The technical solutions in the embodiments of the present invention will be clearly and completely described below with reference to the drawings in the embodiments of the present invention, and it is obvious that the described embodiments are only a part of the embodiments of the present invention, and not all of the embodiments. All other embodiments, which can be derived by a person skilled in the art from the embodiments given herein without making any creative effort, shall fall within the protection scope of the present invention.
Fig. 1 is a schematic structural diagram of an unmanned mobile banking site business processing system in an embodiment of the present invention, and as shown in fig. 1, the system includes:
the system comprises a client 10, a server and a server, wherein the client is used for receiving a service handling reservation request of a user and sending the service handling reservation request to the server; the service processing reservation request comprises reserved time and reserved place;
the server 20 is configured to determine an unmanned mobile banking outlet that processes the service handling reservation request according to the service handling reservation request and an idleness of the unmanned mobile banking outlet, and send a scheduling instruction to the unmanned mobile banking outlet; the scheduling instruction comprises appointed time and place determined according to the appointed time and place;
the unmanned mobile banking outlet 30 is used for planning a driving route through an unmanned technology according to the scheduling instruction and arriving at an appointed place at an appointed time; acquiring identity information of a user arriving at an appointed place, performing identity authentication, and controlling a mobile bank outlet gate to be opened when the authentication passes; and through the self-service business handling equipment, business handling is carried out for the user entering the unmanned mobile banking outlet.
In one embodiment, the service processing reservation request includes: reserving requests after preset days;
the server may specifically be configured to: and processing the reservation requests after the preset number of days in batch at night, determining the unmanned mobile banking network nodes which process the reservation requests after each preset number of days, and sending a scheduling instruction to the corresponding unmanned mobile banking network nodes.
In one embodiment, the service processing reservation request includes: a current day online reservation request;
the server side can be specifically used for processing the on-line appointment request on the day on line, and providing optional business handling places and time to the client side according to the vacancy degree of the unmanned mobile banking network; or sending a scheduling instruction to the corresponding unmanned mobile banking outlet according to the determined appointed time and place;
the client side can also be used for receiving appointed time and place determined by the user from the selectable service handling place and time and sending the determined appointed time and place to the server side.
In one embodiment, the above-mentioned unmanned mobile banking site may further include: and the intelligent robot is used for guiding the user to handle the business through voice.
In one embodiment, the unmanned mobile banking outlet may include a self-service transaction device, and the self-service transaction device may include:
the ATM is used for handling deposit and withdrawal services for the user;
and/or the intelligent counter is used for transacting one or any combination of the account opening and card opening business, the loss reporting business, the information maintenance business and the foreign currency exchange business for the user.
Embodiments of the present invention will be described with reference to fig. 2 to 3.
1. As shown in fig. 2, the client selects a transaction time to make a reservation at the mobile client, and may select T days (on-line reservation request on the day) or T + N days (reservation request after a preset number of days).
2. The scheduling unit of the server side judges whether the appointment date is the current day (T day), and if the appointment date is the T + N day, all places can be selected; optional sites are listed if it is day T.
3. The scheduling unit of the server processes the reservation application, the reservations of T + N days are processed in batch at a fixed time every night, and the reservations of T days are processed in real time in an online manner, and tasks are distributed to the mobile network nodes (the scheduling instructions are sent to the mobile banking network nodes) by the scheduling unit of the server.
4. After receiving the reserved time and the reserved place sent by the scheduling unit, the mobile network node plans a route by a route module (which can be a module included in the unmanned control unit), and plans a departure time and an optimal route for driving.
5. After the route planning is completed, the vehicle travels to a designated place (appointed place) using an automatic driving technique. The automatic driving technology can be an unmanned driving technology which senses road environment through a vehicle-mounted sensing system, automatically plans a driving route and controls a vehicle to reach a preset target. The vehicle-mounted sensor is used for sensing the surrounding environment of the vehicle, and the steering and the speed of the vehicle are controlled according to the road, the vehicle position and the obstacle information obtained by sensing, so that the vehicle can safely and reliably run on the road.
6. After both the mobile network and the client arrive at the appointed place, the client identity authentication including face recognition, identification card recognition and the like can be carried out through the identity authentication unit, after the client identity is confirmed to be the appointed client, the client can enter the mobile network, the authentication cannot be carried out, and as shown in fig. 3, the authentication process can be completed through communication with the server side.
7. After entering a mobile network (unmanned mobile banking network), a client transacts business, and if the business is deposit and withdrawal, an ATM in the mobile network is used; if the services such as opening an account, opening a card, changing information and the like use the intelligent counter in the mobile network.
The intelligent counter is business handling equipment gradually popularized at present, provides multiple non-cash services such as cross-border remittance, account opening and card opening, flow printing, financial purchasing and the like, can be used for depositing and withdrawing businesses, and improves the handling speed and reduces the business handling time compared with a traditional counter.
8. In the business handling process, the intelligent robot in the mobile network point guides the client to handle through voice, the mobile network point also provides video service, and service personnel remotely guide the client to handle the business.
In summary, the technical scheme provided by the embodiment of the invention provides a method for realizing the unmanned bank mobile network, and the method uses an automatic driving technology to replace a driver, so that a vehicle at the mobile network can run without the driver; the self-service bank system is used to replace the network staff. Therefore, the operation of the unmanned mobile network node under the condition of no staff of the whole bank mobile network node is realized, no bank staff is needed, and a fixed office field is also not needed, so that the time of a customer to go to and return from the bank fixed network node can be effectively reduced, and the operation cost of the bank is saved. The invention mainly solves the technical problem of how to realize nobody. The invention realizes unmanned operation of the bank mobile network points by the technologies of unmanned driving, intelligent self-service terminals and the like, thereby greatly saving the labor cost.
Based on the same inventive concept, the embodiment of the present invention further provides an unmanned mobile banking outlet business processing client, as described in the following embodiments. Because the principle of the unmanned mobile banking outlet business processing client for solving the problems is similar to that of the unmanned mobile banking outlet business processing system, the implementation of the unmanned mobile banking outlet business processing client can refer to the implementation of the unmanned mobile banking outlet business processing system, and repeated parts are not repeated. As used hereinafter, the term "unit" or "module" may be a combination of software and/or hardware that implements a predetermined function. Although the means described in the embodiments below are preferably implemented in software, an implementation in hardware, or a combination of software and hardware is also possible and contemplated.
Fig. 4 is a schematic structural diagram of a service processing client of an unmanned mobile banking outlet in an embodiment of the present invention, and as shown in fig. 4, the client includes:
a first receiving unit 11, configured to receive a service handling reservation request of a user;
a first sending unit 12, configured to send the service handling reservation request to a server; the service processing reservation request comprises the reserved time and the reserved place.
In specific implementation, the first receiving unit 11 is further configured to receive an appointed time and place determined by the user from the selectable service handling places and times, and the first sending unit 12 is further configured to send the determined appointed time and place to the server.
Based on the same inventive concept, the embodiment of the invention also provides an unmanned mobile banking outlet business processing server, which is described in the following embodiment. Because the principle of the service processing server for the unmanned mobile banking outlets for solving the problems is similar to that of the service processing system for the unmanned mobile banking outlets, the implementation of the service processing server for the unmanned mobile banking outlets can be referred to that of the service processing system for the unmanned mobile banking outlets, and repeated parts are not described again. As used hereinafter, the term "unit" or "module" may be a combination of software and/or hardware that implements a predetermined function. Although the means described in the embodiments below are preferably implemented in software, an implementation in hardware, or a combination of software and hardware is also possible and contemplated.
Fig. 5 is a schematic structural diagram of a service end of an unmanned mobile banking outlet in an embodiment of the present invention, and as shown in fig. 5, the service end includes:
a second receiving unit 21, configured to receive a service handling reservation request of a user;
the scheduling unit 22 is configured to determine an unmanned mobile banking outlet that processes the service handling reservation request according to the service handling reservation request and an idleness of the unmanned mobile banking outlet;
the second sending unit 23 sends a scheduling instruction to the unmanned mobile banking outlet; the scheduling command includes an appointed time and place determined according to the appointed time and place.
In one embodiment, the service processing reservation request may include: reserving requests after preset days; the scheduling unit may specifically be configured to: and processing the reservation requests after the preset number of days in batch at night, determining the unmanned mobile banking network nodes which process the reservation requests after each preset number of days, and sending a scheduling instruction to the corresponding unmanned mobile banking network nodes.
In one embodiment, the service processing reservation request may include: a current day online reservation request; the scheduling unit may specifically be configured to: processing the on-line reservation request on the day, and providing optional service handling places and time to the client according to the vacancy of the unmanned mobile bank network; or sending a scheduling instruction to the corresponding unmanned mobile banking outlet according to the determined appointed time and place.
When the system is specifically implemented, the scheduling unit schedules the vehicles of the mobile network points according to the reservation orders of the customers. The reservation comprises reservation T + N service and reservation on the same day, the reservation order of T + N is processed in batch at the same night, and mobile network scheduling arrangement is carried out according to the reservation time and place of the client; the reservation orders of the current day are processed by the scheduling unit in real time, the free time and the selectable place of the mobile network are provided for the customer, and the customer schedules the mobile network after selecting the mobile network.
In specific implementation, the scheduling unit is further configured to perform centralized scheduling on users in close time and in close places according to the time and place reserved by the users, so that the service handling efficiency is improved, and the operation cost is further reduced.
Based on the same inventive concept, the embodiment of the invention also provides an unmanned mobile banking outlet, as described in the following embodiments. The principle of the unmanned mobile banking outlet for solving the problems is similar to that of an unmanned mobile banking outlet business processing system, so the implementation of the unmanned mobile banking outlet can refer to the implementation of the unmanned mobile banking outlet business processing system, and repeated parts are not described again. As used hereinafter, the term "unit" or "module" may be a combination of software and/or hardware that implements a predetermined function. Although the means described in the embodiments below are preferably implemented in software, an implementation in hardware, or a combination of software and hardware is also possible and contemplated.
Fig. 6 is a schematic structural diagram of an unmanned mobile banking outlet in an embodiment of the present invention, and as shown in fig. 6, the unmanned mobile banking outlet includes:
a third receiving unit 31, configured to receive a scheduling instruction;
the unmanned control unit 32 is used for planning a driving route through an unmanned technology according to the scheduling instruction and arriving at an appointed place at an appointed time;
the identity authentication unit 33 is used for acquiring identity information of a user arriving at an appointed place, performing identity authentication, and controlling the mobile bank outlet door to be opened when the authentication passes;
and the self-service business handling equipment 34 is used for carrying out business handling on the user entering the unmanned mobile banking outlet.
In specific implementation, after the scheduling unit schedules the time and the place of the mobile network point, a route is planned by a route module of the unmanned control unit 32, and the mobile network point reaches the designated place through the unmanned technology.
In specific implementation, after the client and the mobile network point arrive at the appointed place at the appointed time, the client identity is confirmed by the security module (which can be an identity verification unit), and the client identity can be verified by using means such as face recognition, fingerprint recognition, identity card verification, bank card verification and the like, so that the service security is ensured.
In specific implementation, after the security module checks the identity, the client can conduct business handling. The business handling can include cash business such as depositing and withdrawing money and exchanging foreign currency, and non-cash business such as opening an account and opening a card, personal information maintenance and the like, in addition, the business handling also comprises video help seeking and intelligent robot service, the intelligent robot guides a client to handle business by voice, and the client also sends a video request to a teller to carry out business handling consultation. The business handling can be realized by the self-service business handling equipment.
In an embodiment, the above-mentioned unmanned mobile banking outlet may further include: and the intelligent robot is used for guiding the user to handle the business through voice.
In one embodiment, the self-service business handling device may include:
the ATM is used for handling deposit and withdrawal services for the user;
and/or the intelligent counter is used for transacting one or any combination of the account opening and card opening business, the loss reporting business, the information maintenance business and the foreign currency exchange business for the user.
In one embodiment, the intelligent counter can also be used for remote video connection with a bank teller machine.
The push-out of the mobile network provided by the embodiment of the invention is convenient for bank customers to handle business, the time for the customers to go to and fro the network is saved, and particularly, convenient service is brought to the customers with inconvenient movement or short time; the bank mobile network can meet the business handling requirements of customers, can gradually replace fixed network nodes, and saves the site leasing cost in the operation cost for banks. The invention saves at least 2 workers for each mobile network, greatly saves labor cost, and can help banks to reduce operation cost and improve service quality.
Based on the same inventive concept, the embodiment of the invention also provides an unmanned mobile banking outlet business processing method which is applied to the system and is described in the following embodiment. The principle of the unmanned mobile banking outlet business processing method for solving the problems is similar to that of an unmanned mobile banking outlet business processing system, so that the implementation of the unmanned mobile banking outlet business processing method can refer to the implementation of the unmanned mobile banking outlet business processing system, and repeated parts are not described again. As used hereinafter, the term "unit" or "module" may be a combination of software and/or hardware that implements a predetermined function. Although the means described in the embodiments below are preferably implemented in software, an implementation in hardware, or a combination of software and hardware is also possible and contemplated.
Fig. 7 is a schematic flow chart of an unmanned mobile banking outlet business processing method applied to the system in the embodiment of the present invention, and as shown in fig. 7, the method includes the following steps:
step 901: the client receives a service handling reservation request of a user and sends the service handling reservation request to a server; the service processing reservation request comprises reserved time and reserved place;
step 902: the server side determines an unmanned mobile banking outlet for processing the business handling reservation request according to the business handling reservation request and the vacancy degree of the unmanned mobile banking outlet, and sends a scheduling instruction to the unmanned mobile banking outlet; the scheduling instruction comprises appointed time and place determined according to the appointed time and place;
step 903: the unmanned mobile bank outlets plan driving routes through an unmanned technology according to the scheduling instructions and arrive at appointed places at appointed times; acquiring identity information of a user arriving at an appointed place, performing identity authentication, and controlling a mobile bank outlet gate to be opened when the authentication passes; and through the self-service business handling equipment, business handling is carried out for the user entering the unmanned mobile banking outlet.
In one embodiment, the service processing reservation request includes: reserving requests after preset days;
the server side determines the unmanned mobile banking network node which processes the business handling reservation request according to the business handling reservation request and the vacancy degree of the unmanned mobile banking network node, and sends a scheduling instruction to the unmanned mobile banking network node, wherein the method comprises the following steps:
the server side processes the reservation requests after the preset number of days in batch at night, determines the unmanned mobile banking network nodes which process the reservation requests after each preset number of days, and sends a scheduling instruction to the corresponding unmanned mobile banking network nodes.
In one embodiment, the service processing reservation request includes: a current day online reservation request;
the server side determines the unmanned mobile banking network node which processes the business handling reservation request according to the business handling reservation request and the vacancy degree of the unmanned mobile banking network node, and sends a scheduling instruction to the unmanned mobile banking network node, wherein the method comprises the following steps:
the server side processes the on-line appointment request on the on-line on the day, and provides optional business handling places and time to the client side according to the vacancy degree of the unmanned mobile bank network;
the server side sends a scheduling instruction to the corresponding unmanned mobile banking outlet according to the determined appointed time and place;
the client receives a service handling reservation request of a user and sends the service handling reservation request to a server, and the method comprises the following steps:
the client receives appointed time and place determined by the user from the selectable service handling place and time, and sends the determined appointed time and place to the server.
Based on the same inventive concept, the embodiment of the invention also provides an unmanned mobile banking outlet business processing method which is applied to the server side, and is described in the following embodiment. The principle of the unmanned mobile banking outlet business processing method for solving the problems is similar to that of an unmanned mobile banking outlet business processing system, so that the implementation of the unmanned mobile banking outlet business processing method can refer to the implementation of the unmanned mobile banking outlet business processing system, and repeated parts are not described again. As used hereinafter, the term "unit" or "module" may be a combination of software and/or hardware that implements a predetermined function. Although the means described in the embodiments below are preferably implemented in software, an implementation in hardware, or a combination of software and hardware is also possible and contemplated.
Fig. 8 is a schematic flow chart of a service processing method of an unmanned mobile banking outlet applied to a server in the embodiment of the present invention, as shown in fig. 8, the method includes the following steps:
step 201: receiving a service handling reservation request of a user;
step 202: determining an unmanned mobile banking outlet for processing the service handling reservation request according to the service handling reservation request and the vacancy degree of the unmanned mobile banking outlet;
step 203: sending a scheduling instruction to the unmanned mobile banking outlet; the scheduling command includes an appointed time and place determined according to the appointed time and place.
Based on the same inventive concept, the embodiment of the invention also provides a service processing method of the unmanned mobile banking outlet, which is applied to the unmanned mobile banking outlet, and is described in the following embodiment. The principle of the unmanned mobile banking outlet business processing method for solving the problems is similar to that of an unmanned mobile banking outlet business processing system, so that the implementation of the unmanned mobile banking outlet business processing method can refer to the implementation of the unmanned mobile banking outlet business processing system, and repeated parts are not described again. As used hereinafter, the term "unit" or "module" may be a combination of software and/or hardware that implements a predetermined function. Although the means described in the embodiments below are preferably implemented in software, an implementation in hardware, or a combination of software and hardware is also possible and contemplated.
Fig. 9 is a schematic flow chart of an unmanned mobile banking outlet business processing method applied to an unmanned mobile banking outlet in the embodiment of the present invention, and as shown in fig. 9, the method includes the following steps:
step 301: receiving a scheduling instruction;
step 302: planning a driving route through an unmanned technology according to the scheduling instruction, and reaching an appointed place at an appointed time;
step 303: acquiring identity information of a user arriving at an appointed place, performing identity authentication, and controlling a mobile bank outlet gate to be opened when the authentication passes;
step 304: and performing service handling for the user entering the unmanned mobile banking outlet.
In an embodiment, the above-mentioned service processing method for an unmanned mobile banking outlet applied to an unmanned mobile banking outlet may further include: and guiding the user to handle the business by voice by using the intelligent robot.
In one embodiment, the self-service transaction device comprises:
the ATM is used for handling deposit and withdrawal services for the user;
and/or the intelligent counter is used for transacting one or any combination of the account opening and card opening business, the loss reporting business, the information maintenance business and the foreign currency exchange business for the user.
In an embodiment, the above-mentioned service processing method for an unmanned mobile banking outlet applied to an unmanned mobile banking outlet may further include: the intelligent counter remote video is connected with a bank teller machine.
The embodiment of the invention also provides computer equipment which comprises a memory, a processor and a computer program which is stored on the memory and can run on the processor, wherein the processor realizes the unmanned mobile banking outlet business processing method when executing the computer program.
The embodiment of the invention also provides a computer readable storage medium, and the computer readable storage medium stores a computer program for executing the unmanned mobile banking outlet business processing method.
The technical scheme provided by the embodiment of the invention has the beneficial technical effects that: the method and the system realize the whole process of business handling of the mobile banking outlets without the participation of workers, reduce the operation cost of the mobile banking outlets and improve the user experience.
As will be appreciated by one skilled in the art, embodiments of the present invention may be provided as a method, system, or computer program product. Accordingly, the present invention may take the form of an entirely hardware embodiment, an entirely software embodiment or an embodiment combining software and hardware aspects. Furthermore, the present invention may take the form of a computer program product embodied on one or more computer-usable storage media (including, but not limited to, disk storage, CD-ROM, optical storage, and the like) having computer-usable program code embodied therein.
The present invention is described with reference to flowchart illustrations and/or block diagrams of methods, apparatus (systems), and computer program products according to embodiments of the invention. It will be understood that each flow and/or block of the flow diagrams and/or block diagrams, and combinations of flows and/or blocks in the flow diagrams and/or block diagrams, can be implemented by computer program instructions. These computer program instructions may be provided to a processor of a general purpose computer, special purpose computer, embedded processor, or other programmable data processing apparatus to produce a machine, such that the instructions, which execute via the processor of the computer or other programmable data processing apparatus, create means for implementing the functions specified in the flowchart flow or flows and/or block diagram block or blocks.
These computer program instructions may also be stored in a computer-readable memory that can direct a computer or other programmable data processing apparatus to function in a particular manner, such that the instructions stored in the computer-readable memory produce an article of manufacture including instruction means which implement the function specified in the flowchart flow or flows and/or block diagram block or blocks.
These computer program instructions may also be loaded onto a computer or other programmable data processing apparatus to cause a series of operational steps to be performed on the computer or other programmable apparatus to produce a computer implemented process such that the instructions which execute on the computer or other programmable apparatus provide steps for implementing the functions specified in the flowchart flow or flows and/or block diagram block or blocks.
The above description is only a preferred embodiment of the present invention, and is not intended to limit the present invention, and various modifications and changes may be made to the embodiment of the present invention by those skilled in the art. Any modification, equivalent replacement, or improvement made within the spirit and principle of the present invention should be included in the protection scope of the present invention.
Claims (15)
1. An unmanned mobile banking outlet business processing system, comprising:
the system comprises a client, a server and a server, wherein the client is used for receiving a service handling reservation request of a user and sending the service handling reservation request to the server; the service processing reservation request comprises reserved time and reserved place;
the service end is used for determining the unmanned mobile banking network node for processing the business handling reservation request according to the business handling reservation request and the vacancy degree of the unmanned mobile banking network node and sending a scheduling instruction to the unmanned mobile banking network node; the scheduling instruction comprises appointed time and place determined according to the appointed time and place;
the unmanned mobile bank outlets are used for planning driving routes through an unmanned technology according to the scheduling instructions and arriving at appointed places at appointed time; acquiring identity information of a user arriving at an appointed place, performing identity authentication, and controlling a mobile bank outlet gate to be opened when the authentication passes; and through the self-service business handling equipment, business handling is carried out for the user entering the unmanned mobile banking outlet.
2. The unmanned mobile banking site business processing system of claim 1, wherein said business transaction reservation request comprises: reserving requests after preset days;
the server is specifically configured to: and processing the reservation requests after the preset number of days in batch at night, determining the unmanned mobile banking network nodes which process the reservation requests after each preset number of days, and sending a scheduling instruction to the corresponding unmanned mobile banking network nodes.
3. The unmanned mobile banking site business processing system of claim 1, wherein said business transaction reservation request comprises: a current day online reservation request;
the server is specifically used for processing the on-line appointment request on the day on line and providing optional business handling places and time to the client according to the vacancy degree of the unmanned mobile bank network; sending a scheduling instruction to a corresponding unmanned mobile banking outlet according to the determined appointed time and place;
the client is also used for receiving appointed time and place determined by the user from the selectable service handling places and times and sending the determined appointed time and place to the server.
4. An unmanned mobile banking outlet business processing server, comprising:
the second receiving unit is used for receiving a service handling reservation request of a user;
the scheduling unit is used for determining the unmanned mobile banking network node for processing the business handling reservation request according to the business handling reservation request and the vacancy degree of the unmanned mobile banking network node;
the second sending unit is used for sending a scheduling instruction to the unmanned mobile banking outlet; the scheduling command includes an appointed time and place determined according to the appointed time and place.
5. An unmanned mobile banking outlet, comprising:
a third receiving unit, configured to receive a scheduling instruction;
the unmanned control unit is used for planning a driving route through an unmanned technology according to the scheduling instruction and arriving at an appointed place at an appointed time;
the identity authentication unit is used for acquiring identity information of a user arriving at an appointed place, performing identity authentication and controlling the mobile bank outlet door to be opened when the authentication passes;
and the self-service business handling equipment is used for handling business for the user entering the unmanned mobile banking outlet.
6. The unmanned mobile banking site of claim 5, further comprising: and the intelligent robot is used for guiding the user to handle the business through voice.
7. The unmanned mobile banking website of claim 5, wherein the self-service transaction device comprises:
the ATM is used for handling deposit and withdrawal services for the user;
and/or the intelligent counter is used for transacting one or any combination of the account opening and card opening business, the loss reporting business, the information maintenance business and the foreign currency exchange business for the user.
8. The unmanned mobile banking outlet of claim 7 wherein said intelligent counter is further adapted to remotely video connect to a bank teller machine.
9. An unmanned mobile banking outlet business processing method is characterized by comprising the following steps:
the client receives a service handling reservation request of a user and sends the service handling reservation request to a server; the service processing reservation request comprises reserved time and reserved place;
the server side determines an unmanned mobile banking outlet for processing the business handling reservation request according to the business handling reservation request and the vacancy degree of the unmanned mobile banking outlet, and sends a scheduling instruction to the unmanned mobile banking outlet; the scheduling instruction comprises appointed time and place determined according to the appointed time and place;
the unmanned mobile bank outlets plan driving routes through an unmanned technology according to the scheduling instructions and arrive at appointed places at appointed times; acquiring identity information of a user arriving at an appointed place, performing identity authentication, and controlling a mobile bank outlet gate to be opened when the authentication passes; and through the self-service business handling equipment, business handling is carried out for the user entering the unmanned mobile banking outlet.
10. The method of claim 9, wherein the service processing reservation request comprises: reserving requests after preset days;
the server side determines the unmanned mobile banking network node which processes the business handling reservation request according to the business handling reservation request and the vacancy degree of the unmanned mobile banking network node, and sends a scheduling instruction to the unmanned mobile banking network node, wherein the method comprises the following steps:
the server side processes the reservation requests after the preset number of days in batch at night, determines the unmanned mobile banking network nodes which process the reservation requests after each preset number of days, and sends a scheduling instruction to the corresponding unmanned mobile banking network nodes.
11. The method of claim 9, wherein the service processing reservation request comprises: a current day online reservation request;
the server side determines the unmanned mobile banking network node which processes the business handling reservation request according to the business handling reservation request and the vacancy degree of the unmanned mobile banking network node, and sends a scheduling instruction to the unmanned mobile banking network node, wherein the method comprises the following steps:
the server side processes the on-line appointment request on the on-line on the day, and provides optional business handling places and time to the client side according to the vacancy degree of the unmanned mobile bank network;
the server side sends a scheduling instruction to the corresponding unmanned mobile banking outlet according to the determined appointed time and place;
the client receives a service handling reservation request of a user and sends the service handling reservation request to a server, and the method comprises the following steps:
the client receives appointed time and place determined by the user from the selectable service handling place and time, and sends the determined appointed time and place to the server.
12. An unmanned mobile banking outlet business processing method is applied to a server and is characterized by comprising the following steps:
receiving a service handling reservation request of a user;
determining an unmanned mobile banking outlet for processing the service handling reservation request according to the service handling reservation request and the vacancy degree of the unmanned mobile banking outlet;
sending a scheduling instruction to the unmanned mobile banking outlet; the scheduling command includes an appointed time and place determined according to the appointed time and place.
13. An unmanned mobile banking outlet business processing method is applied to an unmanned mobile banking outlet and is characterized by comprising the following steps:
receiving a scheduling instruction;
planning a driving route through an unmanned technology according to the scheduling instruction, and reaching an appointed place at an appointed time;
acquiring identity information of a user arriving at an appointed place, performing identity authentication, and controlling a mobile bank outlet gate to be opened when the authentication passes;
and performing service handling for the user entering the unmanned mobile banking outlet.
14. A computer device comprising a memory, a processor and a computer program stored on the memory and executable on the processor, wherein the processor implements the method of any of claims 9 to 13 when executing the computer program.
15. A computer-readable storage medium, characterized in that the computer-readable storage medium stores a computer program for executing the method of any of claims 9 to 13.
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| CN114944039A (en) * | 2022-05-19 | 2022-08-26 | 中国银行股份有限公司 | Banknote taking method and device, storage medium and server |
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Application publication date: 20200410 |