WO2018184301A1

WO2018184301A1 - Business outlet sales service system, method, server and storage medium

Info

Publication number: WO2018184301A1
Application number: PCT/CN2017/089321
Authority: WO
Inventors: 李颖; 皮汉卿
Original assignee: 平安科技（深圳）有限公司
Priority date: 2017-04-07
Filing date: 2017-06-21
Publication date: 2018-10-11
Also published as: CN107169861A

Abstract

A business outlet sales service system, a method, a server and a storage medium. The business outlet sales service system comprises a self-service terminal, a service terminal and a server; the self-service terminal is used to acquire monitoring image information and send the monitoring image information to the server; monitoring image information comprises a self-service terminal ID and a face image; the service terminal is used to send localization information to the server in real time; localization information comprises a financial manager ID and location information; the server is used to receive monitoring image information and localization information, and ascertain whether customer information corresponding to a face image is stored in a customer characteristic database; if so, the server determines a target financial manager ID according to the localization information and the customer information, and sends customer information to a service terminal corresponding to the target financial manager ID; the service terminal is used to receive and display customer information. The present business outlet sales service system can recommend more appropriate financial products or services to a customer, thereby increasing customer service satisfaction and preventing loss of customer resources.

Description

说明书发明名称：网点销售服务***、方法、服务器和存储介质技术领域 Specification Name of Invention: Network Sales Service System, Method, Server and Storage Medium Technical Field

[0001] 本发明涉及信息技术领域，尤其涉及一种网点销售服务***、方法、服务器和存储介质。 [0001] The present invention relates to the field of information technology, and in particular, to a network point selling service system, method, server, and storage medium.

背景技术 Background technique

[0002] 当前银行、证券、保险等金融机构的网点上设有自助终端，以使进入网点的客户可在自助终端上完成信息査询、产品交易等过程，有利于提高业务处理效率，节省客户吋间，并节省金融机构的人力成本；但客户对金融机构所提供的金融产品不了解，仅通过自助终端短吋间内难以选择更符合自身需求的金融产品 [0002] At present, there are self-service terminals on the outlets of financial institutions such as banks, securities, insurance, etc., so that customers entering the outlets can complete information inquiry, product transaction and other processes on the self-service terminal, which is beneficial to improve business processing efficiency and save customers. In the meantime, and saving the labor costs of financial institutions; but customers do not understand the financial products provided by financial institutions, it is difficult to select financial products that are more in line with their own needs only through self-service terminals.

[0003] 在银行、证券、保险等金融机构的每一网点上驻点有一定数量的理财经理，理财经理负责接待进入网点的客户，并给客户提供服务，包括但不限于推荐金融产品。理财经理给客户提供服务吋，理财经理对客户信息（包括但不限于收入、资产、负债、风控等资产信息）不了解，可能给客户推荐不匹配的金融产品，影响客户对该网点的理财经理的整体服务印象，从而导致网点客户资源流失技术问题 [0003] There are a number of financial managers stationed at each of the financial institutions such as banks, securities, insurance, etc. The financial manager is responsible for receiving customers entering the outlets and providing services to customers, including but not limited to recommending financial products. After the financial manager provides services to the client, the financial manager does not understand the customer information (including but not limited to asset information such as income, assets, liabilities, risk control, etc.), may recommend unmatched financial products to the customer, and affect the customer's financial management of the outlet. Manager's overall service impression, which leads to technical problems of network customer resource loss

[0004] 本发明提供一种网点销售服务***、方法、服务器和存储介质，以解决当前网点的理财经理无法获取客户信息，从而向客户推荐不匹配的金融产品的问题。问题的解决方案 [0004] The present invention provides a network point sales service system, method, server, and storage medium to solve the problem that a financial manager of a current network cannot obtain customer information, thereby recommending a financial product that does not match the customer. Problem solution

技术解决方案 Technical solution

[0005] 本发明解决其技术问题所采用的技术方案是： [0005] The technical solution adopted by the present invention to solve the technical problem thereof is:

[0006] 第一方面，本发明一种网点销售服务***，包括自助终端、业务终端和服务器 [0006] In a first aspect, the present invention provides a network point sales service system, including a self-service terminal, a service terminal, and a server.

[0007] 所述自助终端，用于获取监控图像信息，并将所述监控图像信息发送给所述服务器；所述监控图像信息包括自助终端 ID和人脸图像； [0008] 所述业务终端，用于实吋向所述服务器发送定位信息；所述定位信息包括理财经理 ID和位置信息； [0007] the self-service terminal is configured to acquire monitoring image information, and send the monitoring image information to the server; the monitoring image information includes a self-service terminal ID and a face image; [0008] the service terminal is configured to send location information to the server; the location information includes a wealth manager ID and location information;

[0009] 所述服务器，用于接收所述监控图像信息和所述定位信息，判断客户特征库中是否存储有与所述人脸图像相对应的客户信息；若是，则根据所述定位信息和所述客户信息确定目标理财经理 ID，将所述客户信息发送给所述目标理财经理 I [0009] the server is configured to receive the monitoring image information and the positioning information, and determine whether the customer information corresponding to the face image is stored in the customer feature database; if yes, according to the positioning information and The customer information determines a target financial manager ID, and the customer information is sent to the target financial manager I

D对应的业务终端； D corresponding to the service terminal;

[0010] 所述业务终端，用于接收并显示所述客户信息。 [0010] the service terminal is configured to receive and display the customer information.

[0011] 第二方面，本发明还提供一种网点销售服务方法，包括： [0011] In a second aspect, the present invention further provides a network point sales service method, including:

[0012] 自助终端获取监控图像信息，并将所述监控图像信息发送给服务器；所述监控图像信息包括自助终端 ID和人脸图像； [0012] the self-service terminal acquires monitoring image information, and sends the monitoring image information to the server; the monitoring image information includes a self-service terminal ID and a face image;

[0013] 业务终端实吋向服务器发送定位信息；所述定位信息包括理财经理 ID和位置信息； [0013] the service terminal sends the location information to the server; the location information includes the wealth manager ID and the location information;

[0014] 服务器接收所述监控图像信息和所述定位信息，判断客户特征库中是否存储有与所述人脸图像相对应的客户信息；若是，则根据所述定位信息和所述客户信息确定目标理财经理 ID，将所述客户信息发送给所述目标理财经理 ID对应的业务终端； [0014] the server receives the monitoring image information and the positioning information, and determines whether the customer information corresponding to the face image is stored in the customer feature database; if yes, determining according to the positioning information and the customer information The target financial manager ID sends the customer information to the service terminal corresponding to the target financial manager ID;

[0015] 业务终端接收并显示所述客户信息。 [0015] The service terminal receives and displays the customer information.

[0016] 优选地，所述获取监控图像信息，包括： [0016] Preferably, the acquiring the monitoring image information includes:

[0017] 采集所述自助终端监控范围内的视频图像； [0017] collecting video images within the monitoring range of the self-service terminal;

[0018] 对每一帧视频图像进行人脸检测，获取人脸图像； [0018] performing face detection on each frame of the video image to obtain a face image;

[0019] 判断预设吋间内检测到的至少两个人脸图像是否为同一人脸图像； [0019] determining whether at least two face images detected in the preset time zone are the same face image;

[0020] 若是，基于所述自助终端 ID和所述人脸图像形成所述监控图像信息。 [0020] If yes, the monitoring image information is formed based on the self-service terminal ID and the face image.

[0021] 第三方面，本发明还提供一种服务器，包括存储器、处理器以及存储在所述存储器中并可在所述处理器上运行的计算机程序，所述处理器执行所述计算机程序吋实现上述的网点销售服务方法中服务器执行的步骤。 [0021] In a third aspect, the present invention also provides a server, including a memory, a processor, and a computer program stored in the memory and operable on the processor, the processor executing the computer program The steps performed by the server in the above-mentioned site sales service method are implemented.

[0022] 第四方面，本发明还提供一种计算机可读存储介质，所述计算机可读存储介质存储有计算机程序，所述计算机程序被处理器执行吋实现上述的网点销售服务方法中服务器执行的步骤。发明的有益效果 [0022] In a fourth aspect, the present invention further provides a computer readable storage medium, where the computer readable storage medium stores a computer program, and the computer program is executed by a processor to implement server execution in the network point sales service method. A step of. Advantageous effects of the invention

有益效果 Beneficial effect

[0023] 本发明与现有技术相比具有如下优点：本发明所提供的网点销售服务***及方法中，自助终端可将采集到的监控图像信息发送给服务器，而业务终端实吋将定位信息发送给服务器，使得服务器根据监控图像信息判断是否存储相应的客户信息，并在存储有客户信息吋，将客户信息发送给目标理财经理 ID对应的业务终端，以使该业务终端可显示客户信息，以便于目标理财经理可根据业务终端显示的客户信息，给客户推荐更适合该客户的金融产品或服务，从而提高客户对网点或金融机构的服务满意度，避免客户资源流失。 [0023] The present invention has the following advantages compared with the prior art: In the network point sales service system and method provided by the present invention, the self-service terminal can send the collected monitoring image information to the server, and the service terminal actually locates the information. Sending to the server, the server determines whether to store the corresponding customer information according to the monitoring image information, and after storing the customer information, sending the customer information to the service terminal corresponding to the target financial manager ID, so that the service terminal can display the customer information. Therefore, the target financial manager can recommend the financial products or services more suitable for the customer according to the customer information displayed by the business terminal, thereby improving the customer satisfaction with the service of the outlet or the financial institution, and avoiding the loss of the customer resources.

对附图的简要说明 Brief description of the drawing

附图说明 DRAWINGS

[0024] 为了更清楚地说明本发明实施例中的技术方案，下面将对实施例或现有技术描述中所需要使用的附图作简单地介绍，显而易见地，下面描述中的附图仅仅是本发明的一些实施例，对于本领域普通技术人员来讲，在不付出创造性劳动性的前提下，还可以根据这些附图获得其他的附图。 [0024] In order to more clearly illustrate the technical solutions in the embodiments of the present invention, the drawings used in the embodiments or the prior art description will be briefly described below. Obviously, the drawings in the following description are merely Some embodiments of the present invention may also be used to obtain other drawings based on these drawings without departing from the skilled artisan.

[0025] 图 1是本发明实施例 1中网点销售服务***的一原理框图； 1 is a schematic block diagram of a network point sales service system in Embodiment 1 of the present invention;

[0026] 图 2是本发明实施例 2中网点销售服务方法的一流程图； 2 is a flowchart of a method for selling a network point in the second embodiment of the present invention;

[0027] 图 3为本发明一实施例提供的服务器的示意图。 3 is a schematic diagram of a server according to an embodiment of the present invention.

本发明的实施方式 Embodiments of the invention

[0028] 为了对本发明的技术特征、目的和效果有更加清楚的理解，现对照附图详细说明本发明的具体实施方式。 DETAILED DESCRIPTION OF THE INVENTION [0028] In order to more clearly understand the technical features, objects and advantages of the present invention, the embodiments of the present invention are described in detail with reference to the accompanying drawings.

[0029] 实施例 1 Embodiment 1

[0030] 图 1示出本实施例中的网点销售服务***的一原理框图。如图 1所示，该网点销售服务***包括自助终端 10、业务终端 20和服务器 30。其中，自助终端 10是设有在金融机构任一金融机构网点上。业务终端 20可以是智能终端、平板电脑、 P AD等便于随身携带的移动终端。服务器 30可以是应用在金融机构上的云服务器。其中，自助终端 10和服务器 30之间可通过有线网络通信相连，以实现信息和数据传输。业务终端 20与服务器 30之间可通过 WiFi网络、 3G网络或 4G网络通信相连，以实现信息和数据传输。 1 shows a schematic block diagram of a site sales service system in the present embodiment. As shown in FIG. 1, the site sales service system includes a self-service terminal 10, a service terminal 20, and a server 30. The self-service terminal 10 is provided at a financial institution network of any financial institution. The service terminal 20 can be a mobile terminal that is convenient to carry around, such as a smart terminal, a tablet computer, or a P AD. Server 30 may be a cloud server applied to a financial institution . The self-service terminal 10 and the server 30 can be connected by wired network communication to implement information and data transmission. The service terminal 20 and the server 30 can be connected by a WiFi network, a 3G network or a 4G network communication to realize information and data transmission.

[0031] 自助终端 10，用于获取监控图像信息，并将监控图像信息发送给服务器 30; 监控图像信息包括自助终端 ID和人脸图像。 [0031] The self-service terminal 10 is configured to acquire monitoring image information, and send the monitoring image information to the server 30; the monitoring image information includes a self-service terminal ID and a face image.

[0032] 其中，监控图像信息中的自助终端 ID用于唯一识别发送该监控图像信息的自助终端 10，可以为自助终端 10的 MAC地址或按预设编码规则设置的其他标识。人脸图像是自助终端 10监控范围内实吋采集到的客户的人脸图像，以便基于该人脸图像确定该客户是否为该网点所属金融机构的客户。 [0032] The self-service terminal ID in the monitoring image information is used to uniquely identify the self-service terminal 10 that sends the monitoring image information, and may be a MAC address of the self-service terminal 10 or other identifiers set according to a preset encoding rule. The face image is a face image of the client that is collected by the self-service terminal 10 within the monitoring range, so as to determine whether the customer is a customer of the financial institution to which the site belongs, based on the face image.

[0033] 进一步地，自助终端 10获取监控图像信息的过程包括如下步骤： [0033] Further, the process of acquiring the monitoring image information by the self-service terminal 10 includes the following steps:

[0034] S11 : 采集自助终端 10监控范围内的视频图像。 [0034] S11: Collecting video images within the monitoring range of the self-service terminal 10.

[0035] 具体地，自助终端 10设有触控显示屏、设置在触控显示屏上方的摄像头、以及与触控显示屏和摄像头相连的处理器，摄像头实吋抓拍自助终端 10监控范围内的视频图像，并将视频图像发送给处理器。 [0035] Specifically, the self-service terminal 10 is provided with a touch display screen, a camera disposed above the touch display screen, and a processor connected to the touch display screen and the camera, and the camera actually captures the self-service terminal 10 within the monitoring range. Video image, and send the video image to the processor.

[0036] S12: 对每一帧视频图像进行人脸检测，获取人脸图像。 [0036] S12: performing face detection on each frame of the video image to obtain a face image.

[0037] 自助终端 10的处理器在接收到视频图像吋，对抓拍到的每一帧视频图像采用人脸检测算法进行人脸检测，以判断该视频图像中是否存在人脸图像，若存在人脸图像，则获取该视频图像中的人脸图像。 [0037] After receiving the video image, the processor of the self-service terminal 10 uses a face detection algorithm for face detection on each captured video image to determine whether there is a face image in the video image, if the presence exists The face image, then the face image in the video image is acquired.

[0038] S13: 判断预设吋间内检测到的至少两个人脸图像是否为同一人脸图像。 [0038] S13: determining whether at least two face images detected in the preset time zone are the same face image.

[0039] 其中，预设吋间是***预先设置的用于判断客户在自助终端 10停留的吋间，可以为 3-5秒。在预设吋间内，若自助终端 10采集到的至少两帧视频图像中的人脸图像均为同一人脸图像，则认定该人脸图像对应的客户在预设吋间内均停留在自助终端 10的监控范围内，以确定其为需要提供服务的客户，而不是偶然经过该自助终端 10的客户。 [0039] wherein, the preset time is preset in the system for determining that the customer stays at the self-service terminal 10, and may be 3-5 seconds. In the preset time, if the face images in at least two frames of video images collected by the self-service terminal 10 are the same face image, it is determined that the customer corresponding to the face image stays in the self-service in the preset time. Within the monitoring range of the terminal 10, it is determined that it is a customer who needs to provide a service, rather than a customer who accidentally passes through the self-service terminal 10.

[0040] S14: 若是，基于自助终端 ID和人脸图像形成监控图像信息。 [0040] S14: If yes, the monitoring image information is formed based on the self-service terminal ID and the face image.

[0041] 可以理解地，当同一自助终端 10在预设吋间内检测到的至少两个人脸图像为同一客户的人脸图像，则基于自助终端 ID和人脸图像形成监控图像信息。该监控图像信息与自助终端 ID和人脸图像相关联，以确定该监控图像信息是由自助终端 ID相对应的自助终端 10形成的。 [0041] It can be understood that, when at least two face images detected by the same self-service terminal 10 in the preset time zone are face images of the same client, the monitoring image information is formed based on the self-service terminal ID and the face image. The monitoring image information is associated with the self-service terminal ID and the face image to determine that the monitoring image information is self-serviced The self-service terminal 10 corresponding to the end ID is formed.

[0042] 业务终端 20，用于实吋向服务器 30发送定位信息，定位信息包括理财经理 ID和位置信息。 [0042] The service terminal 20 is configured to send location information to the server 30, where the location information includes a wealth manager ID and location information.

[0043] 业务终端 20可以是智能终端、平板电脑、 PAD等可随理财经理移动的移动终端，该业务终端 20内置有 GPS模块，可获取位置信息，并基于位置信息与业务终端 20对应的理财经理 ID形成定位信息。业务终端 20实吋向服务器 30发送定位信息，以使服务器 30在接收到该定位信息吋，可根据定位信息中的理财经理 ID确定是由哪位理财经理发送的定位信息，并根据定位信息中的位置信息了解该理财经理当前所处的位置。其中，理财经理 ID可唯一识别其对应的理财经理，可以是理财经理的工号或者金融机构中注册登录的其他帐号。 [0043] The service terminal 20 may be a mobile terminal that can be moved by the financial manager, such as a smart terminal, a tablet computer, or a PAD. The service terminal 20 has a built-in GPS module, can acquire location information, and manages the finance corresponding to the service terminal 20 based on the location information. The manager ID forms positioning information. The service terminal 20 sends the location information to the server 30, so that the server 30 can determine the location information sent by the financial manager according to the financial manager ID in the location information, and according to the location information, according to the location information. The location information to understand the current location of the financial manager. Among them, the financial manager ID can uniquely identify the corresponding financial manager, which can be the financial manager's job number or other account registered in the financial institution.

[0044] 服务器 30，用于接收监控图像信息和定位信息，判断客户特征库中是否存储有与人脸图像相对应的客户信息；若是，则根据定位信息和客户信息确定目标理财经理 ID，将客户信息发送给目标理财经理 ID对应的业务终端 20。 [0044] The server 30 is configured to receive the monitoring image information and the positioning information, and determine whether the customer information corresponding to the face image is stored in the customer feature database; if yes, determine the target financial manager ID according to the positioning information and the customer information, The customer information is sent to the service terminal 20 corresponding to the target financial manager ID.

[0045] 具体地，服务器 30可实吋接收多个自助终端 10发送的监控图像信息和多个业务终端 20发送的定位信息。服务器 30每接收到一监控图像信息，获取该监控图像信息中的人脸图像；再采用人脸识别算法判断金融机构的客户特征库中是否存在有与人脸图像相对应的客户信息；若存储有相应的客户信息，则说明当前在自助终端 10监控范围内的客户是已在金融机构办理过的相应业务的客户。并且，当客户特征库中存储有该客户的客户信息吋，服务器 30会再根据接收到的定位信息和客户信息确定较适合接待该客户的目标理财经理，再将该客户信息发送给目标理财经理 ID对应的业务终端 20。进一步地，服务器 30在将客户信息发送给目标理财经理 ID对应的业务终端 20吋，可将客户信息和自助终端 ID—并发送给目标理财经理 ID对应的业务终端 20，以使接收到该客户信息的业务终端 20 可在显示客户信息的同吋显示该自助终端 ID。 [0045] Specifically, the server 30 can receive the monitoring image information sent by the plurality of self-service terminals 10 and the positioning information sent by the plurality of service terminals 20. The server 30 obtains a face image in the monitored image information every time a monitoring image information is received; and then uses a face recognition algorithm to determine whether there is customer information corresponding to the face image in the customer feature database of the financial institution; If there is corresponding customer information, it indicates that the customer currently in the monitoring range of the self-service terminal 10 is the customer of the corresponding business that has been handled by the financial institution. Moreover, when the customer information of the customer is stored in the customer feature database, the server 30 determines the target financial manager that is more suitable for receiving the customer according to the received positioning information and the customer information, and then sends the customer information to the target financial manager. The service terminal 20 corresponding to the ID. Further, the server 30 sends the customer information to the service terminal 20 corresponding to the target financial manager ID, and can send the customer information and the self-service terminal ID to the service terminal 20 corresponding to the target financial manager ID, so that the customer is received. The business terminal 20 of the information can display the self-service terminal ID at the same time as the customer information is displayed.

[0046] 具体地，服务器 30判断客户特征库中是否存储有与人脸图像相对应的客户信息的具体过程包括：依次逐级判断网点理财经理客户特征库、网点客户特征库、地区客户特征库和全网客户特征库中是否存储有与人脸图像相对应的客户信息。即依据客户特征库的优先级逐级判断是否存储有与人脸图像相对应的客户信息，若优先级在先的客户特征库中存储有相应的客户信息，则无需再判断优先级在后的客户特征库中是否存储有相应的客户信息。客户特征库的优先级先后顺序由客户特征库的客户信息的数量决定，客户信息的数量越多，其优先级越后；反之，客户信息的数量越少，其优先级越先。本实施例中，采用依次逐级判断客户特征库中是否存储有客户信息，可在一定程度上提高匹配处理效率，节省判断吋间。 [0046] Specifically, the specific process of the server 30 determining whether the customer information corresponding to the face image is stored in the customer feature database includes: sequentially determining the customer management feature database, the network customer feature database, and the regional customer feature database. Whether the customer information corresponding to the face image is stored in the customer signature database of the entire network. That is, it is judged step by step according to the priority of the customer feature database whether or not the customer letter corresponding to the face image is stored. If the corresponding customer information is stored in the priority customer feature database, it is not necessary to determine whether the corresponding customer information is stored in the customer feature database with the priority. The priority order of the customer signature database is determined by the number of customer information in the customer signature database. The more the number of customer information, the later the priority; otherwise, the smaller the number of customer information, the earlier the priority. In this embodiment, whether the customer information is stored in the customer feature database is determined step by step, which can improve the matching processing efficiency to some extent and save the judgment time.

[0047] 具体地，客户信息不仅包括人脸图像，还包括用户收入、资产、负债、理财、投资等财产信息的用户画像数据，以使目标理财经理可根据该用户画像数据，向客户推荐更合适的产品或服务，以提高客户对网点或金融机构的服务满意度，避免客户资源流失。可以理解地，该客户信息还可以包括管户经理 ID，管户经理 ID用于指向在先给该客户提供服务的理财经理。 [0047] Specifically, the customer information includes not only a face image but also user portrait data of property information such as user income, assets, liabilities, wealth management, investment, etc., so that the target financial manager can recommend to the customer according to the user portrait data. Appropriate products or services to improve customer satisfaction with outlets or financial institutions and to avoid loss of customer resources. In any case, the customer information may also include a manager manager ID, which is used to point to a financial manager who previously provides services to the customer.

[0048] 具体地，服务器 30根据定位信息和客户信息确定目标理财经理 ID的过程包括如下步骤： [0048] Specifically, the process of determining the target financial manager ID by the server 30 according to the positioning information and the customer information includes the following steps:

[0049] S31 : 依据定位信息中的位置信息，获取与自助终端 10距离在预设范围内所有理财经理 ID，以形成理财经理列表。 [0049] S31: According to the location information in the location information, obtain all the wealth manager IDs within a preset range from the self-service terminal 10 to form a financial manager list.

[0050] 可以理解地，服务器 30在接收到自助终端 10发送的监控图像信息吋，可根据自助终端 ID确定其空间位置；服务器 30实吋接收多个业务终端 20发送的定位信息[0050] It can be understood that, after receiving the monitoring image information sent by the self-service terminal 10, the server 30 can determine its spatial location according to the self-help terminal ID; the server 30 actually receives the positioning information sent by the multiple service terminals 20.

，分别计算每一业务终端 20与该自助终端 ID对应的自助终端 10的距离，获取与自助终端 10距离在预设范围内所有理财经理 ID，并依据距离的远近，基于所述理财经理 ID形成理财经理列表。 Calculating the distance of each business terminal 20 from the self-service terminal 10 corresponding to the self-service terminal ID, obtaining all the wealth manager IDs within a preset range from the self-service terminal 10, and forming the financial manager ID based on the distance List of financial managers.

[0051] S32: 判断管户经理 ID是否在理财经理列表中，若是，则将管户经理 ID作为目标理财经理 ID; 若否，则将距离自助终端 10最近的理财经理 ID作为目标理财经理 ID。 [0051] S32: determining whether the manager manager ID is in the financial manager list, and if yes, using the manager manager ID as the target financial manager ID; if not, using the nearest wealth manager ID of the self-service terminal 10 as the target financial manager ID .

[0052] 具体地，服务器 30在确定客户特征库中存储有与人脸图像相对应的客户信息吋，需判断客户信息中的管户经理 ID是否位于理财经理列表中。若管户经理 ID在理财经理列表中，则将管理经理 ID作为该目标理财经理 ID，以使管户经理 ID对应的目标理财经理继续给该客户提供相应服务，保证客户服务的连续性。若管户经理 ID不在理财经理列表中，则将距离自助终端 10最近的理财经理 ID作为目标理财经理 ID，以使目标理财经理 ID对应的理财经理距离客户最近，从而保证该目标理财经理能够更及吋地给客户提供服务，提高客户对网点或金融机构有服务满意度，避免客户资源流失。 [0052] Specifically, the server 30 stores the customer information corresponding to the face image in the determined customer feature database, and determines whether the account manager ID in the customer information is located in the financial manager list. If the manager ID is in the financial manager list, the management manager ID is used as the target financial manager ID, so that the target financial manager corresponding to the manager manager ID continues to provide the corresponding service to the customer to ensure the continuity of the customer service. If the manager ID is not in the financial manager list, the financial manager ID closest to the self-service terminal 10 is used as the target. The financial manager ID is set so that the financial manager corresponding to the target financial manager ID is closest to the client, thereby ensuring that the target financial manager can provide services to the client more ambiguously, improve customer satisfaction with the outlets or financial institutions, and avoid customer resources. Loss.

[0053] 业务终端 20，用于接收并显示客户信息。 [0053] The service terminal 20 is configured to receive and display customer information.

[0054] 具体地，目标理财经理 ID对应的业务终端 20可接收并显示客户信息，以使目标理财经理可通过査看该客户信息，以便于根据客户信息，给客户提供合适的金融产品或服务。若服务器 30向业务终端 20发送客户信息的同吋，发送自助终端 I D，以使目标理财经理可根据自助终端 ID快速找到停留在自助终端 ID对应的自助终端 10前方的客户，并为其相关服务，以在一定程度上提高客户满意度。 [0054] Specifically, the service terminal 20 corresponding to the target financial manager ID can receive and display the customer information, so that the target financial manager can view the customer information, so as to provide the customer with the appropriate financial product or service according to the customer information. . If the server 30 sends the peer of the customer information to the service terminal 20, the self-service terminal ID is sent, so that the target financial manager can quickly find the customer who stays in front of the self-service terminal 10 corresponding to the self-service terminal ID according to the self-service terminal ID, and serves related services. To improve customer satisfaction to a certain extent.

[0055] 本实施例所提供的网点销售服务***中，自助终端 10可将采集到的监控图像信息发送给服务器 30，而业务终端 20实吋将定位信息发送给服务器 30，使得服务器 30根据监控图像信息判断是否存储相应的客户信息，并在存储有客户信息吋，将客户信息发送给目标理财经理 ID对应的业务终端 20，以使该业务终端 20可显示客户信息，以便于目标理财经理可根据业务终端 20显示的客户信息，给客户推荐更适合该客户的金融产品或服务，从而提高客户对网点或金融机构的服务满意度，避免客户资源流失。 [0055] In the network point sales service system provided by the embodiment, the self-service terminal 10 can send the collected monitoring image information to the server 30, and the service terminal 20 sends the positioning information to the server 30, so that the server 30 performs monitoring according to the monitoring. The image information determines whether the corresponding customer information is stored, and after the customer information is stored, sends the customer information to the service terminal 20 corresponding to the target financial manager ID, so that the service terminal 20 can display the customer information, so that the target financial manager can According to the customer information displayed by the service terminal 20, the customer is recommended to the financial product or service that is more suitable for the customer, thereby improving the customer satisfaction with the service of the outlet or the financial institution, and avoiding the loss of the customer resources.

[0056] 在一具体实施方式中，该网点销售服务***还包括： [0056] In a specific embodiment, the outlet sales service system further includes:

[0057] 业务终端 20，还用于接收目标理财经理 ID对应的理财经理输入的控制指令，并将控制指令发送给服务器 30; 控制指令包括至少一个产品 ID。 [0057] The service terminal 20 is further configured to receive a control instruction input by the financial manager corresponding to the target financial manager ID, and send the control instruction to the server 30; the control instruction includes at least one product ID.

[0058] 可以理解地，目标理财经理 ID对应的目标理财经理在査看业务终端 20显示的客户信息后，根据客户信息确定适合该客户的金融产品或服务，并将该金融产品或服务对应的产品 ID输入到业务终端 20，以形成控制指令；然后点击业务终端 2 0上的确定按钮，以将该控制指令发送给服务器 30。 [0058] It can be understood that, after viewing the customer information displayed by the service terminal 20, the target financial manager corresponding to the target financial manager ID determines the financial product or service suitable for the customer according to the customer information, and corresponds to the financial product or service. The product ID is input to the service terminal 20 to form a control command; then the OK button on the service terminal 20 is clicked to transmit the control command to the server 30.

[0059] 服务器 30，还用于接收控制指令，根据控制指令获取与产品 ID相对应的金融产品信息，并将金融产品信息发送给自助终端 10。 [0059] The server 30 is further configured to receive a control instruction, obtain financial product information corresponding to the product ID according to the control instruction, and send the financial product information to the self-service terminal 10.

[0060] 具体地，服务器 30接收到业务终端 20上传的控制指令后，根据控制指令获取与至少一个产品 ID相对应的金融产品信息。可以理解地，该金融产品信息可以是一个产品 ID相对应的金融产品信息，也可以是两个或两个以上产品信息对比图、盈利指标对比图等金融产品信息。 [0060] Specifically, after receiving the control instruction uploaded by the service terminal 20, the server 30 acquires the financial product information corresponding to the at least one product ID according to the control instruction. It can be understood that the financial product information may be financial product information corresponding to one product ID, or may be a comparison chart of two or more product information. Financial product information such as profit indicator comparison chart.

[0061] 自助终端 10，还用于接收并显示金融产品信息。 [0061] The self-service terminal 10 is further configured to receive and display financial product information.

[0062] 具体地，自助终端 10可接收并显示一个产品 ID相对应的金融产品信息，也可以接收并显示至少两个产品 ID对应的产品信息对比图、盈利指标对比图等金融产品信息。可以理解地，通过自助终端 10大屏显示金融产品信息，并由目标理财经理 ID对应的目标理财经理根据自助终端 10显示的金融产品信息进行解说，可使客户更清楚了解所推荐的金融产品信息，以便于客户选择合适的金融产品，从而提高客户给该理财经理或网点或金融机构的服务满意度。 Specifically, the self-service terminal 10 can receive and display the financial product information corresponding to one product ID, and can also receive and display the financial product information such as the product information comparison chart and the profit indicator comparison chart corresponding to the at least two product IDs. It can be understood that the financial product information is displayed on the large screen through the self-service terminal 10, and the target financial manager corresponding to the target financial manager ID performs the explanation according to the financial product information displayed by the self-service terminal 10, so that the customer can have a clearer understanding of the recommended financial product information. In order to facilitate customers to choose the right financial products, thereby improving customer satisfaction with the financial manager or outlets or financial institutions.

[0063] 可以理解地，用户还可在了解金融产品信息的情况下，自主选择所要购买的金融产品，即通过点击自助终端 10显示的金融产品信息中的任一产品而输入产品选择指令，自助终端 10接收到该产品选择指令后，可生成相应的二维码。客户再通过智能手机扫描该二维码，并进行付款操作，即可完成自主购买操作，以提高网点的整体业务处理能力，节省在网点排除等待的吋间。 [0063] It can be understood that the user can also select the financial product to be purchased independently by knowing the financial product information, that is, input the product selection instruction by clicking any product in the financial product information displayed by the self-service terminal 10, and self-help. After receiving the product selection instruction, the terminal 10 can generate a corresponding two-dimensional code. The customer then scans the QR code through the smartphone and performs a payment operation to complete the self-purchasing operation, thereby improving the overall business processing capability of the outlets and saving the waiting time at the outlets.

[0064] 实施例 2 Embodiment 2

[0065] 图 2示出本实施例中的网点销售服务方法的一流程图。如图 2所示，该网点销售服务方法通过金融机构的自助终端 10、业务终端 20和服务器 30执行。其中，自助终端 10是设有在金融机构任一金融机构网点上。业务终端 20可以是智能终端、平板电脑、 PAD等便于随身携带的移动终端。服务器 30可以是应用在金融机构上的云服务器。其中，自助终端 10和服务器 30之间可通过有线网络通信相连，以实现信息和数据传输。业务终端 20与服务器 30之间可通过 WiFi网络、 3G网络或 4G网络通信相连，以实现信息和数据传输。如图 2所示，该网点销售服务方法包括如下步骤： [0065] FIG. 2 is a flow chart showing a method of network point sales service in the embodiment. As shown in FIG. 2, the site sales service method is executed by the self-service terminal 10 of the financial institution, the service terminal 20, and the server 30. Among them, the self-help terminal 10 is provided at a financial institution network of any financial institution. The service terminal 20 can be a mobile terminal such as a smart terminal, a tablet computer, or a PAD that is convenient to carry around. Server 30 can be a cloud server that is applied to a financial institution. The self-service terminal 10 and the server 30 can be connected by wired network communication to realize information and data transmission. The service terminal 20 and the server 30 can be connected by a WiFi network, a 3G network or a 4G network to realize information and data transmission. As shown in Figure 2, the outlet sales service method includes the following steps:

[0066] S10: 自助终端 10获取监控图像信息，并将监控图像信息发送给服务器 30; 监控图像信息包括自助终端 ID和人脸图像。 [0066] S10: The self-service terminal 10 acquires monitoring image information, and sends the monitoring image information to the server 30; the monitoring image information includes a self-service terminal ID and a face image.

[0067] 其中，监控图像信息中的自助终端 ID用于唯一识别发送该监控图像信息的自助终端 10，可以为自助终端 10的 MAC地址或其他标识。人脸图像是自助终端 10监控范围内实吋采集到的客户的人脸图像，以便基于该人脸图像确定该客户是否为该网点所属金融机构的客户。 [0068] 进一步地，步骤 S10中，自助终端 10获取监控图像信息的过程包括如下步骤： [0069] S11 : 采集自助终端 10监控范围内的视频图像。 [0067] The self-service terminal ID in the monitoring image information is used to uniquely identify the self-service terminal 10 that sends the monitoring image information, and may be a MAC address or other identifier of the self-service terminal 10. The face image is a face image of the client that is actually collected within the monitoring range of the self-service terminal 10, so as to determine whether the customer is a customer of the financial institution to which the site belongs, based on the face image. [0068] Further, in step S10, the process of acquiring the monitoring image information by the self-service terminal 10 includes the following steps: [0069] S11: collecting video images within the monitoring range of the self-service terminal 10.

[0070] 具体地，自助终端 10设有触控显示屏、设置在触控显示屏上方的摄像头、以及与触控显示屏和摄像头相连的处理器，摄像头实吋抓拍自助终端 10监控范围内的视频图像，并将视频图像发送给处理器。 [0070] Specifically, the self-service terminal 10 is provided with a touch display screen, a camera disposed above the touch display screen, and a processor connected to the touch display screen and the camera, and the camera actually captures the self-service terminal 10 within the monitoring range. Video image, and send the video image to the processor.

[0071] S12: 对每一帧视频图像进行人脸检测，获取人脸图像。 [0071] S12: Perform face detection on each frame of the video image to obtain a face image.

[0072] 自助终端 10的处理器在接收到视频图像吋，对抓拍到的每一帧视频图像采用人脸检测算法进行人脸检测，以判断该视频图像中是否存在人脸图像，若存在人脸图像，则获取该视频图像中的人脸图像。 [0072] After receiving the video image, the processor of the self-service terminal 10 uses a face detection algorithm for face detection on each captured video image to determine whether there is a face image in the video image, if the presence exists The face image, then the face image in the video image is acquired.

[0073] S13: 判断预设吋间内检测到的至少两个人脸图像是否为同一人脸图像。 [0073] S13: Determine whether at least two face images detected in the preset time zone are the same face image.

[0074] 其中，预设吋间是方法预先设置的用于判断客户在自助终端 10停留的吋间，可以为 3-5秒。在预设吋间内，若自助终端 10采集到的至少两帧视频图像中的人脸图像均为同一人脸图像，则认定该人脸图像对应的客户在预设吋间内均停留在自助终端 10的监控范围内，以确定其为需要提供服务的客户，而不是偶然经过该自助终端 10的客户。 [0074] wherein, the preset time is a method preset for determining that the customer stays at the self-service terminal 10, and may be 3-5 seconds. In the preset time, if the face images in at least two frames of video images collected by the self-service terminal 10 are the same face image, it is determined that the customer corresponding to the face image stays in the self-service in the preset time. Within the monitoring range of the terminal 10, it is determined that it is a customer who needs to provide a service, rather than a customer who accidentally passes through the self-service terminal 10.

[0075] S14: 若是，基于自助终端 ID和人脸图像形成监控图像信息。 [0075] S14: If yes, the monitoring image information is formed based on the self-service terminal ID and the face image.

[0076] 可以理解地，当同一自助终端 10在预设吋间内检测到的至少两个人脸图像为同一客户的人脸图像，则基于自助终端 ID和人脸图像形成监控图像信息。该监控图像信息与自助终端 ID和人脸图像相关联，以确定该监控图像信息是由自助终端 ID相对应的自助终端 10形成的。 [0076] It can be understood that, when at least two face images detected by the same self-service terminal 10 in the preset time zone are face images of the same client, the monitoring image information is formed based on the self-service terminal ID and the face image. The monitoring image information is associated with the self-service terminal ID and the face image to determine that the monitoring image information is formed by the self-service terminal 10 corresponding to the self-service terminal ID.

[0077] S20: 业务终端 20实吋向服务器 30发送定位信息，定位信息包括理财经理 ID和位置信息。 [0077] S20: The service terminal 20 sends the location information to the server 30, where the location information includes the financial manager ID and the location information.

[0078] 业务终端 20可以是智能终端、平板电脑、 PAD等可随理财经理移动的移动终端，该业务终端 20内置有 GPS模块，可获取位置信息，并基于位置信息与业务终端 20对应的理财经理 ID形成定位信息。业务终端 20实吋向服务器 30发送定位信息，以使服务器 30在接收到该定位信息吋，可根据定位信息中的理财经理 ID确定是由哪位理财经理发送的定位信息，并根据定位信息中的位置信息了解该理财经理当前所处的位置。其中，理财经理 ID可唯一识别其对应的理财经理，可以是理财经理的工号或者金融机构中注册登录的其他帐号。 [0078] The service terminal 20 may be a mobile terminal that can be moved by the financial manager, such as a smart terminal, a tablet computer, or a PAD. The service terminal 20 has a built-in GPS module, can acquire location information, and manages the finance corresponding to the service terminal 20 based on the location information. The manager ID forms positioning information. The service terminal 20 sends the location information to the server 30, so that the server 30 can determine the location information sent by the financial manager according to the financial manager ID in the location information, and according to the location information, according to the location information. The location information to understand the current location of the financial manager. Among them, the financial manager ID can uniquely identify its corresponding financial manager, can It is the ID of the financial manager or other account registered in the financial institution.

[0079] S30: 服务器 30接收监控图像信息和定位信息，判断客户特征库中是否存储有与人脸图像相对应的客户信息；若是，则根据定位信息和客户信息确定目标理财经理 ID，将客户信息发送给目标理财经理 ID对应的业务终端 20。 [0079] S30: The server 30 receives the monitoring image information and the positioning information, and determines whether the customer information corresponding to the face image is stored in the customer feature database; if yes, the target financial manager ID is determined according to the positioning information and the customer information, and the client is The information is sent to the service terminal 20 corresponding to the target financial manager ID.

[0080] 具体地，服务器 30可实吋接收多个自助终端 10发送的监控图像信息和多个业务终端 20发送的定位信息。服务器 30每接收到一监控图像信息，获取该监控图像信息中的人脸图像；再采用人脸识别算法判断金融机构的客户特征库中是否存在有与人脸图像相对应的客户信息；若存储有相应的客户信息，则说明当前在自助终端 10监控范围内的客户是已在金融机构办理过的相应业务的客户。并且，当客户特征库中存储有该客户的客户信息吋，服务器 30会再根据接收到的定位信息和客户信息确定较适合接待该客户的目标理财经理，再将该客户信息发送给目标理财经理 ID对应的业务终端 20。进一步地，服务器 30在将客户信息发送给目标理财经理 ID对应的业务终端 20吋，可将客户信息和自助终端 ID—并发送给目标理财经理 ID对应的业务终端 20，以使接收到该客户信息的业务终端 20 可在显示客户信息的同吋显示该自助终端 ID。 [0080] Specifically, the server 30 can receive the monitoring image information sent by the plurality of self-service terminals 10 and the positioning information sent by the plurality of service terminals 20. The server 30 obtains a face image in the monitored image information every time a monitoring image information is received; and then uses a face recognition algorithm to determine whether there is customer information corresponding to the face image in the customer feature database of the financial institution; If there is corresponding customer information, it indicates that the customer currently in the monitoring range of the self-service terminal 10 is the customer of the corresponding business that has been handled by the financial institution. Moreover, when the customer information of the customer is stored in the customer feature database, the server 30 determines the target financial manager that is more suitable for receiving the customer according to the received positioning information and the customer information, and then sends the customer information to the target financial manager. The service terminal 20 corresponding to the ID. Further, the server 30 sends the customer information to the service terminal 20 corresponding to the target financial manager ID, and can send the customer information and the self-service terminal ID to the service terminal 20 corresponding to the target financial manager ID, so that the customer is received. The business terminal 20 of the information can display the self-service terminal ID at the same time as the customer information is displayed.

[0081] 步骤 S30中，服务器 30判断客户特征库中是否存储有与人脸图像相对应的客户信息的具体过程包括：依次逐级判断网点理财经理客户特征库、网点客户特征库、地区客户特征库和全网客户特征库中是否存储有与人脸图像相对应的客户信息。即依据客户特征库的优先级逐级判断是否存储有与人脸图像相对应的客户信息，若优先级在先的客户特征库中存储有相应的客户信息，则无需再判断优先级在后的客户特征库中是否存储有相应的客户信息。客户特征库的优先级先后顺序由客户特征库的客户信息的数量决定，客户信息的数量越多，其优先级越后；反之，客户信息的数量越少，其优先级越先。本实施例中，采用依次逐级判断客户特征库中是否存储有客户信息，可在一定程度上提高匹配处理效率，节省判断吋间。 [0081] In step S30, the specific process of the server 30 determining whether the customer information corresponding to the face image is stored in the customer feature database includes: sequentially determining the customer management feature database, the network customer feature database, and the regional customer feature. Whether the customer information corresponding to the face image is stored in the library and the entire network customer feature database. That is, according to the priority of the customer feature database, it is judged whether the customer information corresponding to the face image is stored step by step, and if the corresponding customer information is stored in the priority customer feature database, it is not necessary to judge the priority later. Whether the corresponding customer information is stored in the customer signature database. The priority of the customer signature database is determined by the number of customer information in the customer signature database. The more the number of customer information, the later the priority; otherwise, the smaller the number of customer information, the earlier the priority. In this embodiment, it is determined whether the customer information is stored in the customer feature database step by step, which can improve the matching processing efficiency to a certain extent, and save the judgment time.

[0082] 具体地，客户信息不仅包括人脸图像，还包括用户收入、资产、负债、理财、投资等财产信息的用户画像数据，以使目标理财经理可根据该用户画像数据，向客户推荐更合适的产品或服务，以提高客户对网点或金融机构的服务满意度，避免客户资源流失。可以理解地，该客户信息还可以包括管户经理 ID，管户经理 ID用于指向在先给该客户提供服务的理财经理。 [0082] Specifically, the customer information includes not only a face image but also user portrait data of property information such as user income, assets, liabilities, wealth management, investment, etc., so that the target financial manager can recommend the customer to the customer according to the image data of the user. Appropriate products or services to improve customer satisfaction with outlets or financial institutions , to avoid the loss of customer resources. Understandably, the customer information may also include a manager manager ID, which is used to point to a wealth manager who previously provides services to the client.

[0083] 步骤 S30中，服务器 30根据定位信息和客户信息确定目标理财经理 ID的过程包括如下步骤： [0083] In step S30, the process of determining the target financial manager ID by the server 30 according to the positioning information and the customer information includes the following steps:

[0084] S31 : 依据定位信息中的位置信息，获取与自助终端 10距离在预设范围内所有理财经理 ID，以形成理财经理列表。 [0084] S31: According to the location information in the location information, obtain all the wealth manager IDs within a preset range from the self-service terminal 10 to form a financial manager list.

[0085] 可以理解地，服务器 30在接收到自助终端 10发送的监控图像信息吋，可根据自助终端 ID确定其空间位置；服务器 30实吋接收多个业务终端 20发送的定位信息[0085] It can be understood that, after receiving the monitoring image information sent by the self-service terminal 10, the server 30 can determine its spatial location according to the self-help terminal ID; the server 30 actually receives the positioning information sent by the multiple service terminals 20.

[0086] S32: 判断管户经理 ID是否在理财经理列表中，若是，则将管户经理 ID作为目标理财经理 ID; 若否，则将距离自助终端 10最近的理财经理 ID作为目标理财经理 ID。 [0086] S32: determining whether the manager manager ID is in the financial manager list, and if yes, using the manager manager ID as the target financial manager ID; if not, setting the financial manager ID closest to the self-service terminal 10 as the target financial manager ID .

[0087] 具体地，服务器 30在确定客户特征库中存储有与人脸图像相对应的客户信息吋，需判断客户信息中的管户经理 ID是否位于理财经理列表中。若管户经理 ID在理财经理列表中，则将管理经理 ID作为该目标理财经理 ID，以使管户经理 ID对应的目标理财经理继续给该客户提供相应服务，保证客户服务的连续性。若管户经理 ID不在理财经理列表中，则将距离自助终端 10最近的理财经理 ID作为目标理财经理 ID，以使目标理财经理 ID对应的理财经理距离客户最近，从而保证该目标理财经理能够更及吋地给客户提供服务，提高客户对网点或金融机构有服务满意度，避免客户资源流失。 [0087] Specifically, the server 30 stores the customer information corresponding to the face image in the determined customer feature database, and determines whether the account manager ID in the customer information is located in the financial manager list. If the manager manager ID is in the financial manager list, the management manager ID is used as the target financial manager ID, so that the target financial manager corresponding to the manager manager ID continues to provide the corresponding service to the customer to ensure the continuity of the customer service. If the manager ID is not in the financial manager list, the financial manager ID closest to the self-service terminal 10 is used as the target financial manager ID, so that the financial manager corresponding to the target financial manager ID is closest to the client, thereby ensuring that the target financial manager can be more We will provide services to our customers in a down-to-earth manner, improve customer satisfaction with outlets or financial institutions, and avoid loss of customer resources.

[0088] S40: 业务终端 20接收并显示客户信息。 [0088] S40: The service terminal 20 receives and displays the customer information.

[0089] 具体地，目标理财经理 ID对应的业务终端 20可接收并显示客户信息，以使目标理财经理可通过査看该客户信息，以便于根据客户信息，给客户提供合适的金融产品或服务。若服务器 30向业务终端 20发送客户信息的同吋，发送自助终端 I D，以使目标理财经理可根据自助终端 ID快速找到停留在自助终端 ID对应的自助终端 10前方的客户，并为其相关服务，以在一定程度上提高客户满意度。 [0090] 本实施例所提供的网点销售服务方法中，自助终端 10可将采集到的监控图像信息发送给服务器 30，而业务终端 20实吋将定位信息发送给服务器 30，使得服务器 30根据监控图像信息判断是否存储相应的客户信息，并在存储有客户信息吋，将客户信息发送给目标理财经理 ID对应的业务终端 20，以使该业务终端 20可显示客户信息，以便于目标理财经理可根据业务终端 20显示的客户信息，给客户推荐更适合该客户的金融产品或服务，从而提高客户对网点或金融机构的服务满意度，避免客户资源流失。 [0089] Specifically, the service terminal 20 corresponding to the target financial manager ID can receive and display the customer information, so that the target financial manager can view the customer information, so as to provide the customer with the appropriate financial product or service according to the customer information. . If the server 30 sends the peer of the customer information to the service terminal 20, the self-service terminal ID is sent, so that the target financial manager can quickly find the customer who stays in front of the self-service terminal 10 corresponding to the self-service terminal ID according to the self-service terminal ID, and serves related services. To improve customer satisfaction to a certain extent. [0090] In the network point sales service method provided by the embodiment, the self-service terminal 10 can send the collected monitoring image information to the server 30, and the service terminal 20 sends the positioning information to the server 30, so that the server 30 performs monitoring according to the monitoring. The image information determines whether the corresponding customer information is stored, and after the customer information is stored, sends the customer information to the service terminal 20 corresponding to the target financial manager ID, so that the service terminal 20 can display the customer information, so that the target financial manager can According to the customer information displayed by the service terminal 20, the customer is recommended to the financial product or service that is more suitable for the customer, thereby improving the customer satisfaction with the service of the outlet or the financial institution, and avoiding the loss of the customer resources.

[0091] 在一具体实施方式中，该网点销售服务方法还包括： [0091] In a specific embodiment, the outlet sales service method further includes:

[0092] S50: 业务终端 20接收目标理财经理 ID对应的理财经理输入的控制指令，并将控制指令发送给服务器 30; 控制指令包括至少一个产品 ID。 [0092] S50: The service terminal 20 receives the control instruction input by the financial manager corresponding to the target financial manager ID, and sends the control instruction to the server 30. The control instruction includes at least one product ID.

[0093] 可以理解地，目标理财经理 ID对应的目标理财经理在査看业务终端 20显示的客户信息后，根据客户信息确定适合该客户的金融产品或服务，并将该金融产品或服务对应的产品 ID输入到业务终端 20，以形成控制指令；然后点击业务终端 2 0上的确定按钮，以将该控制指令发送给服务器 30。 [0093] It can be understood that, after viewing the customer information displayed by the service terminal 20, the target financial manager corresponding to the target financial manager ID determines the financial product or service suitable for the customer according to the customer information, and corresponds to the financial product or service. The product ID is input to the service terminal 20 to form a control command; then the OK button on the service terminal 20 is clicked to transmit the control command to the server 30.

[0094] S60: 服务器 30接收控制指令，根据控制指令获取与产品 ID相对应的金融产品信息，并将金融产品信息发送给自助终端 10。 [0094] S60: The server 30 receives the control instruction, acquires the financial product information corresponding to the product ID according to the control instruction, and transmits the financial product information to the self-service terminal 10.

[0095] 具体地，服务器 30接收到业务终端 20上传的控制指令后，根据控制指令获取与至少一个产品 ID相对应的金融产品信息。可以理解地，该金融产品信息可以是一个产品 ID相对应的金融产品信息，也可以是两个或两个以上产品信息对比图、盈利指标对比图等金融产品信息。 [0095] Specifically, after receiving the control instruction uploaded by the service terminal 20, the server 30 acquires the financial product information corresponding to the at least one product ID according to the control instruction. It can be understood that the financial product information may be a financial product information corresponding to a product ID, or may be a financial product information such as a comparison chart of two or more product information and a comparison chart of profit indicators.

[0096] S70: 自助终端 10接收并显示金融产品信息。 [0096] S70: The self-service terminal 10 receives and displays the financial product information.

[0097] 具体地，自助终端 10可接收并显示一个产品 ID相对应的金融产品信息，也可以接收并显示至少两个产品 ID对应的产品信息对比图、盈利指标对比图等金融产品信息。可以理解地，通过自助终端 10大屏显示金融产品信息，并由目标理财经理 ID对应的目标理财经理根据自助终端 10显示的金融产品信息进行解说，可使客户更清楚了解所推荐的金融产品信息，以便于客户选择合适的金融产品，从而提高客户给该理财经理或网点或金融机构的服务满意度。 [0097] Specifically, the self-service terminal 10 can receive and display the financial product information corresponding to one product ID, and can also receive and display the financial product information such as the product information comparison chart and the profit indicator comparison chart corresponding to the at least two product IDs. It can be understood that the financial product information is displayed on the large screen through the self-service terminal 10, and the target financial manager corresponding to the target financial manager ID performs the explanation according to the financial product information displayed by the self-service terminal 10, so that the customer can have a clearer understanding of the recommended financial product information. In order to facilitate customers to choose the right financial products, thereby improving customer satisfaction with the financial manager or outlets or financial institutions.

[0098] 可以理解地，用户还可在了解金融产品信息的情况下，自主选择所要购买的金融产品，即通过点击自助终端 10显示的金融产品信息中的任一产品而输入产品选择指令，自助终端 10接收到该产品选择指令后，可生成相应的二维码。客户再通过智能手机扫描该二维码，并进行付款操作，即可完成自主购买操作，以提高网点的整体业务处理能力，节省在网点排除等待的吋间。 [0098] Understandably, the user can also independently select the gold to be purchased while understanding the financial product information. The product selection instruction is input by clicking on any of the financial product information displayed by the self-service terminal 10, and the self-service terminal 10 can generate a corresponding two-dimensional code after receiving the product selection instruction. The customer then scans the QR code through the smartphone and performs a payment operation to complete the self-purchasing operation, thereby improving the overall business processing capability of the outlets, and saving the waiting time at the outlets.

[0099] 图 3是本发明一实施例提供的服务器的示意图。如图 3所示，该实施例的服务器 30包括：处理器 31、存储器 32以及存储在所述存储器 32中并可在所述处理器 31 上运行的计算机程序 33，例如执行网点销售服务方法的程序。所述处理器 31执行所述计算机程序 33吋实现上述各个网点销售服务方法实施例中服务器 300负责执行的步骤，例如图 2所示的步骤 S30和 S60。 3 is a schematic diagram of a server according to an embodiment of the present invention. As shown in FIG. 3, the server 30 of this embodiment includes: a processor 31, a memory 32, and a computer program 33 stored in the memory 32 and operable on the processor 31, for example, executing a network point selling service method. program. The processor 31 executes the computer program 33 to implement the steps performed by the server 300 in the embodiments of the foregoing network point sales service methods, such as steps S30 and S60 shown in FIG.

[0100] 示例性的，所述计算机程序 33可以被分割成一个或多个模块 /单元，所述一个或者多个模块 /单元被存储在所述存储器 32中，并由所述处理器 31执行，以完成本发明。所述一个或多个模块 /单元可以是能够完成特定功能的一系列计算机程序指令段，该指令段用于描述所述计算机程序 33在所述服务器 30中的执行过程 [0100] Illustratively, the computer program 33 may be divided into one or more modules/units, which are stored in the memory 32 and executed by the processor 31. To complete the present invention. The one or more modules/units may be a series of computer program instruction segments capable of performing a particular function, the instruction segments being used to describe the execution of the computer program 33 in the server 30.

[0101] 所述服务器 30可以是本地服务器、云端服务器等计算设备。所述服务器可包括，但不仅限于，处理器 31、存储器 32。本领域技术人员可以理解，图 3仅仅是服务器 30的示例，并不构成对服务器 30的限定，可以包括比图示更多或更少的部件，或者组合某些部件，或者不同的部件，例如所述服务器还可以包括输入输出设备、网络接入设备、总线等。 [0101] The server 30 may be a computing device such as a local server or a cloud server. The server may include, but is not limited to, processor 31, memory 32. It will be understood by those skilled in the art that FIG. 3 is merely an example of the server 30 and does not constitute a limitation to the server 30. It may include more or less components than those illustrated, or may combine certain components, or different components, such as The server may also include an input output device, a network access device, a bus, and the like.

[0102] 所述处理器 31可以是中央处理单元 (Central Processing Unit, CPU) , 还可以是其他通用处理器、数字信号处理器（Digital Signal Processor, DSP)、专用集成电路 (Application Specific Integrated Circuit， ASIC)、现成可编程门阵列 [0102] The processor 31 may be a central processing unit (CPU), or may be another general-purpose processor, a digital signal processor (DSP), or an application specific integrated circuit (Application Specific Integrated Circuit, ASIC), ready-to-use programmable gate array

(Field-Programmable Gate Array , FPGA)或者其他可编程逻辑器件、分立门或者晶体管逻辑器件、分立硬件组件等。通用处理器可以是微处理器或者该处理器也可以是任何常规的处理器等。 (Field-Programmable Gate Array, FPGA) or other programmable logic device, discrete gate or transistor logic device, discrete hardware components, etc. The general purpose processor may be a microprocessor or the processor or any conventional processor or the like.

[0103] 所述存储器 32可以是所述服务器 30的内部存储单元，例如服务器 30的硬盘或内存。所述存储器 32也可以是所述服务器 30的外部存储设备，例如所述服务器 30 上配备的插接式硬盘，智能存储卡（Smart Media Card, SMC) ，安全数字（Secure Digital, SD) 卡，闪存卡（Flash Card) 等。进一步地，所述存储器 32还可以既包括所述服务器 30的内部存储单元也包括外部存储设备。所述存储器 32用于存储所述计算机程序以及所述服务器所需的其他程序和数据。所述存储器 32还可以用于暂吋地存储已经输出或者将要输出的数据。本发明是通过上述具体实施例进行说明的，本领域技术人员应当明白，在不脱离本发明范围的情况下，还可以对本发明进行各种变换和等同替代。另外，针对特定情形或具体情况，可以对本发明做各种修改，而不脱离本发明的范围。因此，本发明不局限于所公幵的具体实施例，而应当包括落入本发明权利要求范围内的全部实施方式。 [0103] The memory 32 may be an internal storage unit of the server 30, such as a hard disk or a memory of the server 30. The memory 32 may also be an external storage device of the server 30, such as a plug-in hard disk equipped on the server 30, and a smart memory card (Smart Media Card, SMC), Secure Digital (SD) card, Flash Card, etc. Further, the memory 32 may also include both an internal storage unit of the server 30 and an external storage device. The memory 32 is used to store the computer program and other programs and data required by the server. The memory 32 can also be used to temporarily store data that has been output or is about to be output. The present invention has been described with reference to the specific embodiments thereof, and it will be understood by those skilled in the art that various modifications and equivalents can be made to the present invention without departing from the scope of the invention. In addition, various modifications may be made to the invention without departing from the scope of the invention. Therefore, the invention is not limited to the specific embodiments disclosed, but all the embodiments falling within the scope of the appended claims.

Claims

权利要求书 Claim

[权利要求 1] 一种网点销售服务***，其特征在于，包括自助终端、业务终端和服务器； [Claim 1] A site sales service system, comprising: a self-service terminal, a service terminal, and a server;

所述自助终端，用于获取监控图像信息，并将所述监控图像信息发送给所述服务器；所述监控图像信息包括自助终端 ID和人脸图像；所述业务终端，用于实吋向所述服务器发送定位信息；所述定位信息包括理财经理 ID和位置信息； The self-service terminal is configured to acquire monitoring image information, and send the monitoring image information to the server; the monitoring image information includes a self-service terminal ID and a face image; The server sends the positioning information; the positioning information includes a wealth management manager ID and location information;

所述服务器，用于接收所述监控图像信息和所述定位信息，判断客户特征库中是否存储有与所述人脸图像相对应的客户信息；若是，则根据所述定位信息和所述客户信息确定目标理财经理 ID，将所述客户信息发送给所述目标理财经理 ID对应的业务终端；所述业务终端，用于接收并显示所述客户信息。 The server is configured to receive the monitoring image information and the positioning information, and determine whether the customer information corresponding to the face image is stored in the customer feature database; if yes, according to the positioning information and the client The information is used to determine the target financial manager ID, and the customer information is sent to the service terminal corresponding to the target financial manager ID; the service terminal is configured to receive and display the customer information.

[权利要求 2] 根据权利要求 1所述的网点销售服务***，其特征在于，所述获取监控图像信息，包括： [Claim 2] The site sales service system according to claim 1, wherein the acquiring the monitoring image information comprises:

采集所述自助终端监控范围内的视频图像；对每一帧视频图像进行人脸检测，获取人脸图像；判断预设吋间内检测到的至少两个人脸图像是否为同一人脸图像；若是，基于所述自助终端 ID和所述人脸图像形成所述监控图像信息。 Acquiring a video image in the monitoring range of the self-service terminal; performing face detection on each frame of the video image to obtain a face image; determining whether at least two face images detected in the preset time zone are the same face image; And forming the monitoring image information based on the self-service terminal ID and the face image.

[权利要求 3] 根据权利要求 1所述的网点销售服务***，其特征在于，所述判断客户特征库中是否存储有与所述人脸图像相对应的客户信息，包括：依次逐级判断网点理财经理客户特征库、网点客户特征库、地区客户特征库和全网客户特征库中是否存储有与所述人脸图像相对应的客户信息。 [Claim 3] The network point sales service system according to claim 1, wherein the determining whether the customer information corresponding to the face image is stored in the customer feature database comprises: determining the network points step by step Whether the customer information corresponding to the face image is stored in the wealth management customer feature database, the network customer feature database, the regional customer feature database, and the entire network customer feature database.

[权利要求 4] 根据权利要求 1所述的网点销售服务***，其特征在于，所述客户信息包括管户经理 ID; [Claim 4] The outlet sales service system according to claim 1, wherein the customer information includes a manager manager ID;

所述根据所述定位信息和所述客户信息确定目标理财经理 ID，包括：依据所述定位信息中的位置信息，获取与所述自助终端距离在预设范围内所有理财经理 ID，以形成理财经理列表；判断所述管户经理 ID是否在所述理财经理列表中，若是，则将所述管户经理 ID作为所述目标理财经理 ID; 若否，则将距离所述自助终端最近的所述理财经理 ID作为所述目标理财经理 ID。 Determining the target financial manager ID according to the positioning information and the customer information, including: obtaining, according to the location information in the positioning information, all financial manager IDs within a preset range from the self-service terminal to form a financial management List of managers; Determining whether the manager manager ID is in the financial manager list, and if so, using the manager manager ID as the target financial manager ID; if not, the financial manager closest to the self-service terminal The ID is used as the target financial manager ID.

[权利要求 5] 根据权利要求 1-4任一项所述的网点销售服务***，其特征在于，还包括： [Claim 5] The site sales service system according to any one of claims 1 to 4, further comprising:

所述业务终端，还用于接收目标理财经理 ID对应的理财经理输入的控制指令，并将所述控制指令发送给所述服务器；所述控制指令包括至少一个产品 ID; The service terminal is further configured to receive a control instruction input by the financial manager corresponding to the target financial manager ID, and send the control instruction to the server; the control instruction includes at least one product ID;

所述服务器，还用于接收所述控制指令，根据所述控制指令获取与所述产品 ID相对应的金融产品信息，并将所述金融产品信息发送给所述自助终端； The server is further configured to receive the control instruction, obtain financial product information corresponding to the product ID according to the control instruction, and send the financial product information to the self-service terminal;

所述自助终端，还用于接收并显示所述金融产品信息。 The self-service terminal is further configured to receive and display the financial product information.

[权利要求 6] —种网点销售服务方法，其特征在于，包括： [Claim 6] A network point sales service method, comprising:

自助终端获取监控图像信息，并将所述监控图像信息发送给服务器；所述监控图像信息包括自助终端 ID和人脸图像；业务终端实吋向服务器发送定位信息；所述定位信息包括理财经理 ID 和位置信息； The self-service terminal acquires the monitoring image information, and sends the monitoring image information to the server; the monitoring image information includes a self-service terminal ID and a face image; the service terminal sends the positioning information to the server; the positioning information includes the financial manager ID And location information;

服务器接收所述监控图像信息和所述定位信息，判断客户特征库中是否存储有与所述人脸图像相对应的客户信息；若是，则根据所述定位信息和所述客户信息确定目标理财经理 ID，将所述客户信息发送给所述目标理财经理 ID对应的业务终端； Receiving, by the server, the monitoring image information and the positioning information, determining whether the customer information corresponding to the face image is stored in the customer feature database; if yes, determining the target financial manager according to the positioning information and the customer information Sending the customer information to the service terminal corresponding to the target financial manager ID;

业务终端接收并显示所述客户信息。 The service terminal receives and displays the customer information.

[权利要求 7] 根据权利要求 6所述的网点销售服务方法，其特征在于，所述获取监控图像信息，包括： [Claim 7] The network point sales service method according to claim 6, wherein the acquiring the monitoring image information comprises:

采集所述自助终端监控范围内的视频图像； Collecting video images within the monitoring range of the self-service terminal;

对每一帧视频图像进行人脸检测，获取人脸图像；判断预设吋间内检测到的至少两个人脸图像是否为同一人脸图像；若是，基于所述自助终端 ID和所述人脸图像形成所述监控图像信息。 [权利要求 8] 根据权利要求 6所述的网点销售服务方法，其特征在于，所述判断客户特征库中是否存储有与所述人脸图像相对应的客户信息，包括：依次逐级判断网点理财经理客户特征库、网点客户特征库、地区客户特征库和全网客户特征库中是否存储有与所述人脸图像相对应的客户 f π息。 Performing face detection on each frame of the video image to obtain a face image; determining whether at least two face images detected in the preset time zone are the same face image; if yes, based on the self-service terminal ID and the face The image forms the monitored image information. [Claim 8] The network point sales service method according to claim 6, wherein the determining whether the customer information corresponding to the face image is stored in the customer feature database comprises: sequentially determining the network points step by step Whether the customer f π information corresponding to the face image is stored in the wealth management customer feature database, the network customer feature database, the regional customer feature database, and the entire network customer feature database.

[权利要求 9] 根据权利要求 6所述的网点销售服务方法，其特征在于，所述客户信息包括管户经理 ID; [Claim 9] The site sales service method according to claim 6, wherein the customer information includes a manager manager ID;

所述根据所述定位信息和所述客户信息确定目标理财经理 ID，包括：依据所述定位信息中的位置信息，获取与所述自助终端距离在预设范围内所有理财经理 ID，以形成理财经理列表； Determining the target financial manager ID according to the positioning information and the customer information, including: obtaining, according to the location information in the positioning information, all financial manager IDs within a preset range from the self-service terminal to form a financial management List of managers;

判断所述管户经理 ID是否在所述理财经理列表中，若是，则将所述管户经理 ID作为所述目标理财经理 ID; 若否，则将距离所述自助终端最近的所述理财经理 ID作为所述目标理财经理 ID。 Determining whether the manager manager ID is in the financial manager list, and if so, using the manager manager ID as the target financial manager ID; if not, the financial manager closest to the self-service terminal The ID is used as the target financial manager ID.

[权利要求 10] 根据权利要求 6-9任一项所述的网点销售服务方法，其特征在于，还包括： [Attachment 10] The method of service sales service according to any one of claims 6-9, further comprising:

业务终端接收目标理财经理 ID对应的理财经理输入的控制指令，并将所述控制指令发送给所述服务器；所述控制指令包括至少一个产品 ID 服务器接收所述控制指令，根据所述控制指令获取与所述产品 ID相对应的金融产品信息，并将所述金融产品信息发送给所述自助终端；自助终端接收并显示所述金融产品信息。 Receiving, by the service terminal, a control instruction input by the financial manager corresponding to the target financial manager ID, and transmitting the control instruction to the server; the control instruction includes at least one product ID server receiving the control instruction, and acquiring according to the control instruction Financial product information corresponding to the product ID, and transmitting the financial product information to the self-service terminal; the self-service terminal receives and displays the financial product information.

[权利要求 11] 一种服务器，包括存储器、处理器以及存储在所述存储器中并可在所述处理器上运行的计算机程序，其特征在于，所述处理器执行所述计算机程序吋实现如下步骤： [Claim 11] A server, comprising: a memory, a processor, and a computer program stored in the memory and operable on the processor, wherein the processor executes the computer program to implement the following Steps:

自助终端获取监控图像信息，并将所述监控图像信息发送给服务器；所述监控图像信息包括自助终端 ID和人脸图像；业务终端实吋向服务器发送定位信息；所述定位信息包括理财经理 ID 和位置信息；服务器接收所述监控图像信息和所述定位信息，判断客户特征库中是否存储有与所述人脸图像相对应的客户信息；若是，则根据所述定位信息和所述客户信息确定目标理财经理 ID，将所述客户信息发送给所述目标理财经理 ID对应的业务终端； The self-service terminal acquires the monitoring image information, and sends the monitoring image information to the server; the monitoring image information includes a self-service terminal ID and a face image; the service terminal sends the positioning information to the server; the positioning information includes the financial manager ID And location information; Receiving, by the server, the monitoring image information and the positioning information, determining whether the customer information corresponding to the face image is stored in the customer feature database; if yes, determining the target financial manager according to the positioning information and the customer information Sending the customer information to the service terminal corresponding to the target financial manager ID;

根据权利要求 11所述的服务器，其特征在于，所述获取监控图像信息，包括： The server according to claim 11, wherein the acquiring the monitoring image information comprises:

对每一帧视频图像进行人脸检测，获取人脸图像； Perform face detection on each frame of video image to obtain a face image;

判断预设吋间内检测到的至少两个人脸图像是否为同一人脸图像；若是，基于所述自助终端 ID和所述人脸图像形成所述监控图像信息。根据权利要求 11所述的服务器，其特征在于，所述判断客户特征库中是否存储有与所述人脸图像相对应的客户信息，包括：依次逐级判断网点理财经理客户特征库、网点客户特征库、地区客户特征库和全网客户特征库中是否存储有与所述人脸图像相对应的客户 f π息。 Determining whether at least two face images detected in the preset time zone are the same face image; if yes, forming the monitoring image information based on the self-service terminal ID and the face image. The server according to claim 11, wherein the determining whether the customer information corresponding to the face image is stored in the customer feature database comprises: sequentially determining the customer management feature database of the network management manager, and the network customer Whether the customer f π information corresponding to the face image is stored in the feature library, the regional customer feature library, and the network-wide customer feature database.

根据权利要求 11所述的服务器，其特征在于，所述客户信息包括管户经理 ID; The server according to claim 11, wherein the customer information comprises a manager manager ID;

根据权利要求 11-14任一项所述的服务器，其特征在于，还包括：业务终端接收目标理财经理 ID对应的理财经理输入的控制指令，并将所述控制指令发送给所述服务器；所述控制指令包括至少一个产品 ID 服务器接收所述控制指令，根据所述控制指令获取与所述产品 ID相对应的金融产品信息，并将所述金融产品信息发送给所述自助终端；自助终端接收并显示所述金融产品信息。 The server according to any one of claims 11 to 14, further comprising: the service terminal receiving a control instruction input by the financial manager corresponding to the target financial manager ID, and transmitting the control instruction to the server; The control instruction includes at least one product ID Receiving, by the server, the control instruction, acquiring financial product information corresponding to the product ID according to the control instruction, and transmitting the financial product information to the self-service terminal; and the self-service terminal receiving and displaying the financial product information.

一种计算机可读存储介质，所述计算机可读存储介质存储有计算机程序，其特征在于，所述计算机程序被处理器执行吋实现如下步骤：自助终端获取监控图像信息，并将所述监控图像信息发送给服务器；所述监控图像信息包括自助终端 ID和人脸图像； A computer readable storage medium storing a computer program, wherein the computer program is executed by a processor, and the following steps are implemented: the self-service terminal acquires monitoring image information, and the monitoring image The information is sent to the server; the monitoring image information includes a self-service terminal ID and a face image;

业务终端实吋向服务器发送定位信息；所述定位信息包括理财经理 ID 和位置信息； The service terminal sends the location information to the server; the location information includes the financial manager ID and location information;

根据权利要求 16所述的计算机可读存储介质，其特征在于，所述获取监控图像信息，包括： The computer readable storage medium according to claim 16, wherein the acquiring the monitoring image information comprises:

判断预设吋间内检测到的至少两个人脸图像是否为同一人脸图像；若是，基于所述自助终端 ID和所述人脸图像形成所述监控图像信息。根据权利要求 16所述的计算机可读存储介质，其特征在于，所述判断客户特征库中是否存储有与所述人脸图像相对应的客户信息，包括：依次逐级判断网点理财经理客户特征库、网点客户特征库、地区客户特征库和全网客户特征库中是否存储有与所述人脸图像相对应的客户 f π息。 Determining whether at least two face images detected in the preset time zone are the same face image; if yes, forming the monitoring image information based on the self-service terminal ID and the face image. The computer readable storage medium according to claim 16, wherein the determining whether the customer information corresponding to the face image is stored in the customer feature database comprises: sequentially determining the customer characteristics of the network management manager Whether the client f π information corresponding to the face image is stored in the library, the network customer feature database, the regional customer feature database, and the network-wide customer feature database.

根据权利要求 16所述的计算机可读存储介质，其特征在于，所述客户信息包括管户经理 ID; The computer readable storage medium according to claim 16, wherein the customer information comprises a manager manager ID;

所述根据所述定位信息和所述客户信息确定目标理财经理 ID，包括：依据所述定位信息中的位置信息，获取与所述自助终端距离在预设范围内所有理财经理 ID，以形成理财经理列表； Determining the target financial manager ID according to the positioning information and the customer information, including: Obtaining, according to the location information in the location information, all the financial manager IDs within a preset range from the self-service terminal to form a financial manager list;

[权利要求 20] 根据权利要求 16-19任一项所述的计算机可读存储介质，其特征在于，还包括： [Claim 20] The computer readable storage medium according to any one of claims 16 to 19, further comprising: