WO2019144527A1 - 自助式***申请方法、***、设备及存储介质 - Google Patents

自助式***申请方法、***、设备及存储介质 Download PDF

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Publication number
WO2019144527A1
WO2019144527A1 PCT/CN2018/083764 CN2018083764W WO2019144527A1 WO 2019144527 A1 WO2019144527 A1 WO 2019144527A1 CN 2018083764 W CN2018083764 W CN 2018083764W WO 2019144527 A1 WO2019144527 A1 WO 2019144527A1
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WO
WIPO (PCT)
Prior art keywords
card type
information
card
application
service
Prior art date
Application number
PCT/CN2018/083764
Other languages
English (en)
French (fr)
Inventor
李永平
高凌云
牛华
李长缤
凌永辉
Original Assignee
平安科技（深圳）有限公司
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Publication of WO2019144527A1 publication Critical patent/WO2019144527A1/zh

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Classifications

    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/22—Payment schemes or models
    • G06Q20/24—Credit schemes, i.e. "pay after"
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/08—Payment architectures
    • G06Q20/18—Payment architectures involving self-service terminals [SST], vending machines, kiosks or multimedia terminals
    • G—PHYSICS
    • G07—CHECKING-DEVICES
    • G07F—COIN-FREED OR LIKE APPARATUS
    • G07F17/00—Coin-freed apparatus for hiring articles; Coin-freed facilities or services
    • G07F17/26—Coin-freed apparatus for hiring articles; Coin-freed facilities or services for printing, stamping, franking, typing or teleprinting apparatus
    • G—PHYSICS
    • G07—CHECKING-DEVICES
    • 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
    • G07F19/20—Automatic teller machines [ATMs]
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
    • G06Q40/02—Banking, e.g. interest calculation or account maintenance

Definitions

  • the present application relates to the field of financial equipment, and in particular, to a self-service credit card application method, system, device, and storage medium.
  • the existing credit card application method is specifically, for example, the account manager can reach the residence where the credit card applicant is located or the company applies for the credit card application process for the applicant, or the customer himself can fill in the information to the bank outlet to complete the credit card application.
  • the paper data needs to be manually entered into the bank's business system, and the legality review, credit review and other processing procedures of the entered data are performed.
  • the existing credit card application method is too cumbersome, which not only consumes the customer's time and the human resources of the bank, but also involves the multi-party processing of the information input and audit in the business system. Therefore, the existing credit card application method has technical problems of low business processing capability.
  • the main purpose of the present application is to provide a self-service credit card application method, system, device and storage medium, and to solve the technical problem that the existing credit card application method has low business processing capability.
  • the present application provides a self-service credit card application method, and the self-service credit card application method includes the following steps: the VTM sends the service processing instruction to a server in response to a service input instruction input by a user; And in the service processing instruction, selecting an agent device in an idle state from the preset agent list, generating a service start instruction, and sending the service start instruction to the VTM, where the agent device is operated by an agent to assist the user in processing
  • the VTM obtains the card type selection instruction input by the user when receiving the service start instruction, extracts the card type from the card type selection instruction, and searches for the corresponding card type application according to the card type An interface for displaying the card type application interface; the VTM acquires card type application information input by the user in the card type application interface, and sends the card type application information to the agent device to apply according to the card type Information processing credit card application business.
  • the user can flexibly apply for a credit card with the assistance of the agent, because the user inputs the card application information on the VTM side, and the agent is at the agent.
  • the agent device side reviews the card application information in real time, which simplifies the process and ensures the efficiency of the process. Therefore, it overcomes the technical problems of the existing credit card application method with low business processing capability.
  • FIG. 1 is a schematic flowchart of a first embodiment of a self-service credit card application method according to the present application
  • FIG. 2 is a schematic diagram of a network deployment manner
  • FIG. 3 is a schematic flowchart of a second embodiment of a self-service credit card application method according to the present application.
  • FIG. 4 is a schematic flowchart of a third embodiment of a self-service credit card application method according to the present application.
  • FIG. 5 is a schematic flowchart of a fourth embodiment of a self-service credit card application method according to the present application.
  • FIG. 6 is a structural block diagram of a first embodiment of a self-service credit card application system of the present application.
  • FIG. 1 is a schematic flowchart of a first embodiment of a self-service credit card application method according to the present application.
  • the self-service credit card application method includes the following steps:
  • Step S10 The VTM sends the service processing instruction to the server in response to the service processing instruction input by the user;
  • the way in which the bank employee manually enters the customer data into the business system can be converted into the manual input of the user's own information, but it should be noted that the existing bank employee manually enters the data. It is considered that the business system can judge whether the input information is obviously wrong, and the bank staff can better reduce the occurrence of input errors when inputting information through better training. Therefore, in order to ensure that the customer can manually input his own information to reduce The workload of the bank staff can also guarantee the correct rate of manual input by the customer.
  • VTM Video Teller Machine
  • FIG. 2 is a schematic diagram of the network deployment mode.
  • the user can click the “credit card processing” option on the screen of the VTM machine to enter the credit card application process.
  • Step S20 The server selects an agent device in an idle state from the preset agent list in response to the service processing instruction, generates a service start instruction, and sends the service start instruction to the VTM, where the agent device is configured by Agents operate to assist in the business of the user;
  • VTM machine-server-seat device As shown in FIG. 2, after the server learns that the user on the VTM side will apply for a credit card, the agent device will be actively selected to intervene in the agent of the banking department, through the agent. The person's assistance completes the application for the credit card.
  • a plurality of agents who operate the respective agent devices may provide assistance with a credit card application, wherein the agent device may be a personal computer or other electronic device.
  • the preset agent list may be preset, and the preset agent list is used to record the network address of each agent device and the current running status of each agent device, and the agent device may be busy or idle. status.
  • the server selects an agent device from the agent device in the idle state recorded in the preset agent list as the machine for receiving the card type application information input by the user, and the card type The application information is reviewed to complete the processing of the credit card application process.
  • the agent can review the application information in real time, thereby ensuring that the customer can manually input his own information to reduce the workload of the bank staff, and also ensure the correct rate of the manual input by the customer, because, The agent can review the application information in real time. If the application information is wrong, the user can be prompted to modify it on the VTM machine in time. Since the information input by the user is feedback in real time by the agent, the correct rate of the manual input by the customer is ensured.
  • Step S30 When receiving the service start instruction, the VTM acquires a card type selection instruction input by the user, extracts a card type from the card type selection instruction, and searches for a corresponding card type application according to the card type.
  • a service start instruction is sent to the VTM to formally enter the credit card application process.
  • the agent device that can provide the service is not found, the queue mode is entered, and the agent device that is currently in the idle state is periodically queried.
  • the same bank can provide a plurality of different credit card types for the user to select at the same time, and different credit cards may have different audit information that the user needs to input when applying, so in order to facilitate the user to input information and the agent review information.
  • Different card types can be provided for different types of credit card application interfaces, and the user information input by different card type application interfaces is different.
  • the VTM side will display a variety of credit cards for the user to select, such as international credit cards and owner credit cards.
  • the card type application interface corresponding to the owner's credit card will be displayed.
  • the card type application interface corresponding to the owner's credit card The user needs to enter information such as the license plate of the car owned by the car, the model of the car, and the age of the car.
  • the card type application interface corresponding to the international credit card will be displayed.
  • the user needs to input the passport information and the foreign identity information.
  • the corresponding card type application interface can be differentially set for each card type in advance, so as to count the user information of different credit cards.
  • Step S40 The VTM obtains the card type application information input by the user in the card type application interface, and sends the card type application information to the agent device to apply for a credit card application service according to the card type application information.
  • the user can send the card type application information to the agent device selected by the server, so that the agent on the agent device side can review the card type application information, Assist in the process of applying for a credit card.
  • VTM machine-server-seat device by deploying a network architecture of "VTM machine-server-seat device", the user can flexibly apply for a credit card with the assistance of the agent, because the user inputs the card type application information on the VTM side, and the agent is seated.
  • the card application information is reviewed in real time on the agent device side, which simplifies the process and ensures the efficiency of the process. Therefore, it overcomes the technical problems of the existing credit card application method with low business processing capability.
  • FIG. 3 is a schematic flowchart of a second embodiment of a method for applying for a self-service credit card according to the present application, based on the first embodiment shown in FIG.
  • the step S20 includes:
  • Step S201 The server selects an agent device in an idle state from the preset agent list, generates a service start instruction, and sends the service start instruction to the agent device, in response to the service processing instruction.
  • Step S202 The agent device establishes a video transmission channel of the VTM and the agent device in response to the service start instruction, and shares a screen of the VTM to a screen of the agent device, and generates a connection completion. Sending the connection completion information to the server;
  • the server successfully selects the agent device serving the VTM
  • the video connection between the agent device and the VTM is automatically established, and the user can view the real-time image of the agent on the side of the agent device in the screen of the VTM.
  • Step S203 The server sends the service start instruction to the VTM in response to the connection completion information.
  • step S40 includes:
  • Step S401 The VTM acquires the card type application information input by the user in the card type application interface, and shares the card type application information input by the user to the screen of the agent device based on the video transmission channel;
  • the user can not only perform video communication with the agent in real time, but also share the interface of the application information input by the user in real time to the agent, so that the agent can view the specific information currently input by the user in real time.
  • Step S402 The VTM sends the card type application information to the agent device in response to the information input instruction input by the user, so that the agent device performs the credit card application service according to the card type application information.
  • the self-service credit card application method may further include:
  • Step S4021 The agent device displays the card type application information when receiving the card type application information shared by the VTM, and sends the information correction instruction to the VTM in response to an information correction instruction input by an agent. ;
  • the agent device side operated by the agent can view the card type application information manually input by the user on the VTM through the video, the user can promptly remind the user that the information input is incorrect, for example, the information input by the user may be missing. Incorrect information format and other information input issues.
  • Step S4022 The VTM, when receiving the information correction instruction, determines the information to be corrected based on the information correction instruction, and marks the to-be-corrected information in the card type application interface to remind the user to perform information correction .
  • the agent in order to communicate more effectively, and it is convenient for the user to understand the filling error pointed out by the agent, since the interface of the VTM side user filling the card application information has been shared to the agent device side, the agent can be directly shared.
  • the error message is directly marked on the interface. For example, if the data entered by the user in the "ID card number” option in the card application interface is incorrect, the agent can directly mark the "ID card number” option, for example, the "number is incorrectly filled”.
  • the screen sharing the user can see on the VTM side that the "number filling error" is displayed near the "ID card number” option, so that the user can know his own filling error in time.
  • the user can not only consult the agent in real time, but also can view the application information of the card input by the user in real time by using the sharing of the screen, so that the agent can perform the card in time. Review of application information.
  • FIG. 4 is a schematic flowchart diagram of a third embodiment of a self-service credit card application method according to the present application, based on the first embodiment shown in FIG.
  • the step S30 includes:
  • Step S301 The VTM acquires a user identifier when the service start instruction is received, and sends the user identifier to the server.
  • the user identification may be an identification number or a unique code for marking the user. If the user ID is an ID number, the user can enter the ID number on the VTM machine side in the credit card application process.
  • Step S302 The server performs legality verification on the user identifier, and when the verification is successful, generates verification success information, and sends the verification success information to the VTM.
  • the ID number may be sent to a server of the public security department to detect whether the ID number is legal, and when the ID number is not only When the ID card numbering rules are met and the legal ID number is indeed valid, a verification success message will be generated and the verification success information will be fed back to the VTM.
  • Step S303 The VTM obtains a card type selection instruction input by the user, extracts a card type from the card type selection instruction, and searches for a corresponding card type application interface according to the card type, in response to the verification success information. Displaying the card application interface;
  • the self-service credit card application method further includes:
  • Step S50 The agent device selects a target credit card identifier from the preset card number set in response to the card type application information, and binds the user identifier to the target credit card identifier to successfully process the credit card.
  • multiple credit card numbers may be provided for the user to select.
  • a preset card number set may be preset, and the card number of the existing physical credit card of the outlet where the VTM machine is located is stored in the preset card number set for the user to select.
  • the entity credit card number selected by the user, that is, the target credit card identifier, is bound to the user identifier, so that the user can select the credit card number in advance.
  • the self-service credit card application method further includes:
  • Step S60 The server searches for the corresponding card number identifiers according to the preset mapping relationship according to the user identifier, and sends the card number identifier to the VTM.
  • the credit card when a credit card is in arrears, the credit card needs to be repaid, and the common repayment operation requires the user to go to the bank counter or online bank for repayment. In order to simplify the repayment operation, the credit card can be successfully applied. Bind to other bank cards of the user to enable automatic transfer from other bank cards.
  • a plurality of card number identifiers of the user are stored in the preset mapping relationship, and the card number identifier may be a user's debit card number.
  • Step S70 The VTM displays the card number identifier when receiving the card number identifier
  • Step S80 The VTM selects a target card number identifier from the card number identifier in response to a card number selection instruction input by the user, and sends the target card number identifier to the server;
  • Step S90 The server performs service binding on the target card number identifier and the target credit card identifier, so that the user automatically repays the account corresponding to the target credit card identifier by using the corresponding account number of the target card number.
  • the server may bind the credit card number successfully applied by the user to the debit card number, so that when the credit card is in arrears, the credit card can be automatically transferred from the bound debit card to the credit card. Automatic repayment of credit card bills.
  • the user identifier is verified, and the verified user identifier is bound to the target credit card identifier selected by the user, thereby realizing that the user can select the card number of the credit card that the user can provide at the outlet.
  • FIG. 5 is a schematic flowchart of a fourth embodiment of a method for applying for a self-service credit card according to the present application, based on the first embodiment shown in FIG.
  • the self-service credit card application method further includes:
  • Step S50' when receiving the card type application information, the agent device determines, according to the data review instruction input by the agent, whether the card type application information satisfies the preset application condition, and the card type application information When the predetermined application condition is met, the application qualification information is extracted from the card type application information, and the application qualification information is displayed, so that the agent can review the application qualification information;
  • the network structure of the VTM machine-server-seat device can simplify the process of the application.
  • the agent of the agent device since the agent of the agent device can directly view all the card application information of the user, it may be Lead to the leakage of user information.
  • the agent device after receiving the card type application information, the agent device may not display the card type application information to prevent the agent from completely viewing all the personal information of the user.
  • the agent device may automatically perform information review on the card type application information according to the preset application condition.
  • the card application information may include information such as "monthly income”, “whether own property”, “educational” and “license plate number”, and if the type of credit card that the user wants to apply has car-related preferential conditions, the preset application condition It may include "whether or not the car is owned”. If the user does not input the "license plate number", the user may not think that the user does not own the car, and the card type application information input by the user does not satisfy the preset application condition.
  • the application qualification information may be extracted from the card type application information, and in consideration of protecting the user's personal information, the agent device side does not display all the card types.
  • the application information can only show the qualification information of the applicant who needs to be reviewed.
  • the card type application information is all personal information input by the user for applying for a credit card; the application qualification information is an application for qualification information of a user to be audited, for example, a user's company address, company size, income, and real estate. .
  • Step S60' The agent device sends a successful processing information to the VTM in response to the audit completion instruction input by the agent to prompt the user to successfully apply for the credit card application service.
  • the agent may trigger the “confirmation” option on the agent device side to successfully implement the application for the credit card.
  • the step S50' may further include: when receiving the card type application information, the agent device extracts user identity information from the card type application information in response to a data review instruction input by an agent
  • the agent device sends the user identity information to the server, so that the server reviews the user identity information, generates and feeds back audit success information, and the card type application information is determined by the application qualification information and
  • the user identity information is configured; when the agent successfully receives the feedback success information, the agent device determines whether the card type application information meets the preset application condition, and when the card type application information satisfies the preset application condition Extracting the application qualification information from the card type application information, and displaying the application qualification information, so that the agent can review the application qualification information.
  • the card type application information is mainly composed of the application qualification information and the user identity information, wherein the user identity information is identity information for recording the citizenship of the user, for example, the user name, the ID number, and the passport number of the user. Personal information such as social security number. Since the user identity information has certain privacy, it is easy to cause harm to the user's information security.
  • the user identity information may not be audited by the agent, and the user identity information may be submitted to the server for manual review or automatic review.
  • the user identity information may be sent to the server.
  • the server can automatically review the user identity information, and the automatic review process includes an audit process such as checking the format of the user identity information, for example, checking whether the passport number conforms to the rules of the passport number.
  • the server may also select another agent device from the preset agent list, and send the user identity information to other agent devices, so that other agent devices can review the user identity information and feed back the audit success information. Since the user identity information and the application qualification information are submitted to different agents for review, the security of the user information can be improved. Of course, the user identity information can be further divided. Each agent who audits the user identity information of user A will only receive a part of the user identity information, and can also ensure the security of the user information.
  • the step S30 may further include: when receiving the service start instruction, the VTM acquires a card type selection instruction input by the user, and extracts a card type from the card type selection instruction; the VTM Obtaining a preset identity information filling interface, and searching for a corresponding application qualification filling interface according to the card type, combining the preset identity information filling interface with the application qualification filling interface, and using the combined interface as a card type Applying an interface, and displaying the card type application interface, the preset identity information filling interface is used to fill in the user's identity information, and the application qualification filling interface is used to fill in the basis information for determining whether the user has the credit card application qualification.
  • different card type application interfaces can be generated for different types of credit cards in consideration of different contents required for different credit card application qualification information.
  • the user selects an "international credit card” from the credit card types such as "international credit card” and "owner credit card", although the user information for reviewing various credit cards is different, part of the information is If you want to fill in the application for the bank card, you can put the information option that the user needs to fill in the “pre-identification information filling interface”, for example, the user's name, ID number, gender and mobile phone number.
  • the personal information of different aspects of the application for reviewing different types of credit cards can be placed in the “application qualification filling interface”, for example, whether the user has overseas assets and whether he has overseas study experience.
  • the present application further provides a self-service credit card application device, wherein the device includes a memory, a processor, and a self-service credit card application stored on the memory and operable on the processor
  • the program, the self-service credit card application program is configured to implement the steps of the self-service credit card application method as described above.
  • the present application further provides a storage medium, wherein the storage medium stores a self-service credit card application program, and the self-service credit card application program is executed by the processor to implement self-service as described above. The steps of the credit card application method.
  • FIG. 6 is a structural block diagram of a first embodiment of a self-service credit card application system according to the present application.
  • the self-service credit card application system proposed in this embodiment includes: a VTM 101 and a server 102; the VTM The server 102 is configured to send the service processing instruction to the server 102 in response to a service processing instruction input by the user, where the server 102 is configured to select an idle state from the preset agent list in response to the service processing instruction.
  • Agent device generating a business start command and going to the VTM Sending the service start instruction, where the agent device is operated by an agent to assist in handling the user's service; the VTM 101.
  • the method further includes: when receiving the service start instruction, acquiring a card type selection instruction input by the user, extracting a card type from the card type selection instruction, and searching for a corresponding card type application interface according to the card type Demonstrating the card application interface; the VTM The method is further configured to obtain the card type application information input by the user in the card type application interface, and send the card type application information to the agent device to apply for a credit card application service according to the card type application information.

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Abstract

一种自助式***申请方法、***、设备及存储介质。VTM（101）响应于用户输入的业务办理指令，向服务器(102)发送业务办理指令（S10）；服务器(102)响应于业务办理指令，选取处于空闲状态的坐席设备，向VTM(101)发送业务开始指令(S20)；VTM(101)在接收到业务开始指令时，获取用户输入的卡种选取指令，从卡种选取指令中提取卡种类型，根据卡种类型查找对应的卡种申请界面(S30)；VTM(101)获取用户在卡种申请界面中输入的卡种申请信息，向坐席设备发送卡种申请信息，以根据卡种申请信息办理***申请业务(S40)。可实现用户在坐席人员的协助下灵活地进行***的申请，克服了现有的***申请方式业务处理能力较低的技术问题。

Description

自助式***申请方法、***、设备及存储介质
本申请要求于2018年1月24日提交中国专利局、申请号为201810068166.5、发明名称为“自助式***申请方法、***、设备及存储介质”的中国专利申请的优先权，其全部内容通过引用结合在申请中。
技术领域
本申请涉及金融设备领域，尤其涉及自助式***申请方法、***、设备及存储介质。
背景技术
随着***的逐渐普及，人们越来越多地使用***进行消费或者进行其他金融活动。但是，现有的***申请方式依旧较为麻烦且费时。
其中，现有的***申请方式具体为，比如，客户经理可到达***申请人所处的居所或者公司为申请人办理***申请流程，也可客户本人至银行网点填写资料以完成***申请。并且，在获取到客户经理或者客户填写的纸质资料后，还需将该纸质资料人工录入银行的业务***，进而对录入数据进行合法性审核、征信审核及其他处理流程。可见，现有的***申请方式过于繁琐，不仅耗费客户的时间以及银行的人力资源，并且，在业务***中进行信息的录入与审核涉及多方处理易导致错误。所以，现有的***申请方式存在业务处理能力较低的技术问题。
发明内容
本申请的主要目的在于提供自助式***申请方法、***、设备及存储介质，旨在解决现有的***申请方式存在的业务处理能力较低的技术问题。
为实现上述目的，本申请提供一种自助式***申请方法，所述自助式***申请方法包括以下步骤：VTM响应于用户输入的业务办理指令，向服务器发送所述业务办理指令；所述服务器响应于所述业务办理指令，从预设坐席列表中选取处于空闲状态的坐席设备，生成业务开始指令，并向所述VTM发送所述业务开始指令，所述坐席设备由坐席人员操作以协助办理用户的业务；所述VTM在接收到所述业务开始指令时，获取用户输入的卡种选取指令，从所述卡种选取指令中提取卡种类型，根据所述卡种类型查找对应的卡种申请界面，展示所述卡种申请界面；所述VTM获取用户在所述卡种申请界面中输入的卡种申请信息，向所述坐席设备发送所述卡种申请信息，以根据所述卡种申请信息办理***申请业务。
本申请中通过部署“VTM机-服务器-坐席设备”的网络架构，使得用户可在坐席人员的协助下灵活地进行***的申请，由于由用户在VTM侧输入卡种申请信息，而坐席人员在坐席设备侧实时审核该卡种申请信息，从而简化了办理流程并保证了办理流程的高效性，所以，克服了现有的***申请方式存在的业务处理能力较低的技术问题。
附图说明
图1为本申请自助式***申请方法第一实施例的流程示意图；
图2为网络部署方式的示意图；
图3为本申请自助式***申请方法第二实施例的流程示意图；
图4为本申请自助式***申请方法第三实施例的流程示意图；
图5为本申请自助式***申请方法第四实施例的流程示意图；
图6为本申请自助式***申请***第一实施例的结构框图。
具体实施方式
应当理解，此处所描述的具体实施例仅用以解释本申请，并不用于限定本申请。参照图1，图1为本申请自助式***申请方法第一实施例的流程示意图。在第一实施例中，所述自助式***申请方法包括以下步骤：
步骤S10：VTM响应于用户输入的业务办理指令，向服务器发送所述业务办理指令；
可以理解的是，为了简化***的申请流程，可将银行员工手动录入客户资料进业务***的方式转化为客户手动输入自身信息，但是，需要注意的是，现有的银行员工手动录入资料的流程是考虑到业务***可以很好地判断录入信息是否出现明显错误，以及银行员工经过较好的培训可以在输入信息时降低出现录入错误的情况，所以，为了既保证让客户手动输入自身信息以降低银行员工的工作量，也能保证客户手动输入的正确率，本实施例将使用远程视频柜员机（Video Teller Machine，VTM），以部署为“VTM机-服务器-坐席设备”的网络架构来实现上述技术效果，可参见图2，图2为网络部署方式的示意图。在具体实现中，用户可在VTM机的屏幕上点击“***办理”的选项，以进入***申请的办理流程。
步骤S20：所述服务器响应于所述业务办理指令，从预设坐席列表中选取处于空闲状态的坐席设备，生成业务开始指令，并向所述VTM发送所述业务开始指令，所述坐席设备由坐席人员操作以协助办理用户的业务；
应当理解的是，用户在VTM机上点击“***办理”的选项后，将生成业务办理指令，以告知服务器将进行***申请。为了实现如图2所示的“VTM机-服务器-坐席设备”的网络架构，在服务器获悉VTM侧的用户将进行***的申请后，将主动选取坐席设备以介入银行部门的坐席人员，通过坐席人员的协助完成***的申请。
在具体实现中，同时将存在多个操作各自的坐席设备的坐席人员可提供***申请的协助，其中，所述坐席设备可为个人电脑或其他电子设备。为了确定服务当前用户的具体坐席人员，可预先设置预设坐席列表，所述预设坐席列表用于记录各坐席设备的网络地址以及各坐席设备的当前运行状态，坐席设备可能处于忙碌状态或者空闲状态。当服务器接收到VTM发送的业务办理指令后，将从预设坐席列表中记录的处于空闲状态的坐席设备中选取出一台坐席设备作为接收用户输入的卡种申请信息的机器，并对卡种申请信息进行审核，以完成对于***申请流程的办理。由于可通过用户自身输入申请信息，且坐席人员实时对申请信息进行审核，从而实现了既保证让客户手动输入自身信息以降低银行员工的工作量，也能保证客户手动输入的正确率，因为，坐席人员可实时审核申请信息，若申请信息出现错误，可及时在VTM机上提示用户进行修改。由于通过坐席人员实时对用户输入的信息进行反馈，从而保证了客户手动输入的正确率。
步骤S30：所述VTM在接收到所述业务开始指令时，获取用户输入的卡种选取指令，从所述卡种选取指令中提取卡种类型，根据所述卡种类型查找对应的卡种申请界面，展示所述卡种申请界面；
可以理解的是，在服务器查询到当前可提供服务的坐席设备后，将向VTM发送业务开始指令，以正式进入***申请的流程。当未找到可提供服务的坐席设备，进入排队模式，周期性查询当前是否存在空闲状态的坐席设备。
在具体实现中，考虑同一银行可同时提供多种不同的***类型以供用户选择，不同的***在申请时用户需要输入的审核信息将存在区别，所以，为了便于用户输入信息及坐席人员审核信息，可为不同类型的***提供不同的卡种申请界面，不同的卡种申请界面所需输入的用户信息存在区别。
可以理解的是，VTM侧将显示多种***以供用户选择，比如，国际***以及车主***等。若用户在VTM的屏幕上选取车主***，将展示与车主***对应的卡种申请界面，比如，由于车主***可提供与汽车相关的用户福利，所以，在与车主***对应的卡种申请界面中用户需要输入所拥有的汽车的车牌、汽车型号以及汽车使用年限等信息。若用户在VTM的屏幕上选取国际***，将展示与国际***对应的卡种申请界面，在该卡种申请界面种用户需输入护照信息以及外国身份信息等。明显地，不同的***类型在申请时用户所需提供的信息将存在区别，所以，可预先为各卡种类型差异化地设置对应的卡种申请界面，以便于统计不同***的用户信息。
步骤S40：所述VTM获取用户在所述卡种申请界面中输入的卡种申请信息，向所述坐席设备发送所述卡种申请信息，以根据所述卡种申请信息办理***申请业务。
可以理解的是，用户在卡种申请界面输入卡种申请信息后，可将该卡种申请信息发送至服务器选取的坐席设备，以供坐席设备侧的坐席人员对卡种申请信息进行审核，以协助办理***申请的流程。
本实施例中通过部署“VTM机-服务器-坐席设备”的网络架构，使得用户可在坐席人员的协助下灵活地进行***的申请，由于由用户在VTM侧输入卡种申请信息，而坐席人员在坐席设备侧实时审核该卡种申请信息，从而简化了办理流程并保证了办理流程的高效性，所以，克服了现有的***申请方式存在的业务处理能力较低的技术问题。
参照图3，图3为本申请自助式***申请方法第二实施例的流程示意图，基于上述图1所示的第一实施例。在第二实施例中，所述步骤S20，包括：
步骤S201：所述服务器响应于所述业务办理指令，从预设坐席列表中选取处于空闲状态的坐席设备，生成业务开始指令，向所述坐席设备发送所述业务开始指令；
可以理解的是，当用户在VTM机的屏幕上点击“***办理”的选项后，将进入***申请的办理流程，但是，为了保证用户输入信息的正确性并且可及时地对用户输入的信息进行审核，将提供坐席设备以协助用户办理业务。
步骤S202：所述坐席设备响应于所述业务开始指令，建立所述VTM与所述坐席设备的视频传输通道，并将所述VTM的屏幕画面共享至所述坐席设备的屏幕，并生成连接完成信息，向所述服务器发送所述连接完成信息；
可以理解的是，在服务器成功选取为VTM提供服务的坐席设备后，将自动建立坐席设备与VTM的视频连接，用户可在VTM的屏幕中观看到坐席设备侧坐席人员的实时图像。在完成上述视频连接后，即可正式进入***办理的流程。
步骤S203：所述服务器响应于所述连接完成信息，向所述VTM发送所述业务开始指令；
相应地，所述步骤S40，包括：
步骤S401：所述VTM获取用户在所述卡种申请界面中输入的卡种申请信息，并基于所述视频传输通道将用户输入的卡种申请信息共享至所述坐席设备的屏幕；
在具体实现中，用户不仅可以实时与坐席人员进行视频交流，也可将用户实时输入的卡种申请信息的界面共享给坐席人员，使得坐席人员可实时查看用户当前输入的具体信息。
步骤S402：所述VTM响应于用户输入的信息完成指令，向所述坐席设备发送所述卡种申请信息，以供所述坐席设备根据所述卡种申请信息办理***申请业务。
进一步地，所述步骤S401之后，所述自助式***申请方法还可以包括：
步骤S4021：所述坐席设备在接收到所述VTM共享的卡种申请信息时，展示所述卡种申请信息，并响应于坐席人员输入的信息更正指令，向所述VTM发送所述信息更正指令；
可以理解的是，由于坐席人员操作的坐席设备侧可通过视频查看到用户在VTM上手动输入的卡种申请信息，可及时地提醒用户信息输入错误，比如，用户输入的信息可能发生漏添、信息格式不正确以及其他信息输入问题。
步骤S4022：所述VTM在接收到所述信息更正指令时，基于所述信息更正指令确定待更正信息，在所述卡种申请界面中对所述待更正信息进行标注，以提醒用户进行信息更正。
在具体实现中，为了更加有效地进行沟通，并且便于用户理解坐席人员指出的填写错误，由于之前已将VTM侧用户填写卡种申请信息的界面共享至坐席设备侧，坐席人员可直接在被共享的界面上直接标注错误信息。比如，用户在卡种申请界面中的“身份证号码”选项中填写的数据错误，坐席人员可直接在该“身份证号码”选项附近进行标注，比如，标注“号码填写错误”。用户通过屏幕共享，可以在VTM侧看到在该“身份证号码”选项附近出现“号码填写错误”的标注，从而使得用户可及时地知晓自身的填写错误。
本实施例中通过建立VTM与坐席设备的视频连接，用户不仅可以实时地向坐席人员进行问题咨询，也可借助屏幕的共享查看到用户实时输入的卡种申请信息，便于坐席人员及时地进行卡种申请信息的审核。
参照图4，图4为本申请自助式***申请方法第三实施例的流程示意图，基于上述图1所示的第一实施例。在第三实施例中，所述步骤S30，包括：
步骤S301：所述VTM在接收到所述业务开始指令时，获取用户标识，向所述服务器发送所述用户标识；
可以理解的是，所述用户标识可为身份证号或者用于标记用户的唯一编码。若用户标识为身份证号，在***申请的流程中，用户可在VTM机侧输入身份证号。
步骤S302：所述服务器对所述用户标识进行合法性验证，在验证成功时，生成验证成功信息，向所述VTM发送所述验证成功信息；
在具体实现中，为了判断该用户标识是否为合法信息，若用户标识为身份证号，可将该身份证号发送至公安部门的服务器以检测该身份证号是否合法，当该身份证号不仅符合身份证号的编排规则且的确为合法身份证号时，将生成验证成功信息，并将该验证成功信息反馈至VTM。
步骤S303：所述VTM响应于所述验证成功信息，获取用户输入的卡种选取指令，从所述卡种选取指令中提取卡种类型，根据所述卡种类型查找对应的卡种申请界面，展示所述卡种申请界面；
相应地，所述步骤S40之后，所述自助式***申请方法还包括：
步骤S50：所述坐席设备响应于所述卡种申请信息，从预设***集中选取目标***标识，将所述用户标识与所述目标***标识进行绑定，以成功办理***。
在具体实现中，在坐席人员完成对于卡种申请信息的审核后，可提供多个信用***以供用户选择。比如，可预先设置预设***集，该预设***集内将存储有VTM机所处网点现有的实体***的***，以供用户选择。并将用户选取的实体******即目标***标识与用户标识进行绑定，使得用户可提前选取***的***。
进一步地，所述步骤S50之后，所述自助式***申请方法还包括：
步骤S60：所述服务器根据所述用户标识基于预设映射关系查找到对应的各***标识，向所述VTM发送所述***标识；
可以理解的是，当出现***欠账时需要对该***进行还款操作，而常见的还款操作需要用户去银行柜台或者网上银行进行还款，为了简化还款操作，可将申请成功的***与该用户的其他银行卡进行绑定，以实现从其他银行卡中进行自动转账。在具体实现中，预设映射关系中将存储有该用户的多个***标识，所述***标识可为用户的借记卡***。
步骤S70：所述VTM在接收到所述***标识时，对所述***标识进行展示；
步骤S80：所述VTM响应于用户输入的***选取指令，从所述***标识中选取目标***标识，向所述服务器发送所述目标***标识；
可以理解的是，用户可从自身的借记卡***中选取一个***。
步骤S90：所述服务器将所述目标***标识与所述目标***标识进行业务绑定，以供用户通过所述目标***标识对应的账户向所述目标***标识对应的账户进行自动还款。
在具体实现中，服务器可将用户成功申请的******与该借记卡***进行绑定，从而当该***出现欠账时，可从绑定的借记卡中自动转账至该***，以实现***账单的自动偿还。
本实施例中通过对用户标识进行验证，并将验证后的用户标识与用户选取的目标***标识进行绑定，从而实现了用户可自主选择用户所处网点可提供的***的***。
参照图5，图5为本申请自助式***申请方法第四实施例的流程示意图，基于上述图1所示的第一实施例。在第四实施例中，所述步骤S40之后，所述自助式***申请方法还包括：
步骤S50'：所述坐席设备在接收到所述卡种申请信息时，响应于坐席人员输入的资料审核指令，判断所述卡种申请信息是否满足预设申请条件，在所述卡种申请信息满足所述预设申请条件时，从所述卡种申请信息中提取申请资格信息，展示所述申请资格信息，以供坐席人员对所述申请资格信息进行审核；
可以理解的是，本申请通过部署“VTM机-服务器-坐席设备”的网络架构可以较好地简化办理流程，但是，由于坐席设备的坐席人员可以直接查看到用户全部的卡种申请信息，可能导致用户信息的泄露。考察到降低用户信息的泄露风险，坐席设备在接收到卡种申请信息后，可先不对该卡种申请信息进行展示，以防止坐席人员完整地查看到用户的全部个人信息。
在具体实现中，坐席设备可先依据预设申请条件自动对卡种申请信息进行信息审核。比如，卡种申请信息可包括“月收入”、“是否拥有房产”、“学历”和“车牌号”等信息，若用户欲申请的***的种类具有汽车相关的优惠条件，该预设申请条件可包括“是否拥有汽车”，若用户未输入“车牌号”，可认为该用户不拥有汽车，则用户输入的卡种申请信息不满足预设申请条件。
可以理解的是，当用户输入的卡种申请信息满足预设申请条件，可从该卡种申请信息中提取出申请资格信息，考虑到保护用户的个人信息，坐席设备侧不展示全部的卡种申请信息，可只展示坐席人员需要审核的申请资格信息。其中，所述卡种申请信息为用户输入的用于申请***的全部个人信息；所述申请资格信息为待审核的用户申请资格信息，比如，用户的公司地址、公司规模、收入及不动产等信息。
步骤S60'：所述坐席设备响应于坐席人员输入的审核完成指令时，向所述VTM发送成功办理信息，以提示用户***申请业务办理成功。
应当理解的是，坐席人员在对该申请资格信息进行审核完成后，可在坐席设备侧触发“确认”选项，以成功实现对于***的申请。
进一步地，所述步骤S50'，还可以包括：所述坐席设备在接收到所述卡种申请信息时，响应于坐席人员输入的资料审核指令，从所述卡种申请信息中提取用户身份信息；所述坐席设备向所述服务器发送所述用户身份信息，以使所述服务器对所述用户身份信息进行审核，生成并反馈审核成功信息，所述卡种申请信息由所述申请资格信息与所述用户身份信息构成；所述坐席设备在接收到反馈的审核成功信息时，判断所述卡种申请信息是否满足预设申请条件，在所述卡种申请信息满足所述预设申请条件时，从所述卡种申请信息中提取申请资格信息，展示所述申请资格信息，以供坐席人员对所述申请资格信息进行审核。
可以理解的是，卡种申请信息主要由申请资格信息与用户身份信息构成，其中，所述用户身份信息为记录用户的公民身份的身份信息，比如，用户的用户名、身份证号、护照号码以及社保编号等个人信息。由于用户身份信息具有一定的隐私性，易对用户的信息安全造成危害，用户身份信息可不由坐席人员进行审核，可将用户身份信息交由服务器进行人工审核或自动审核。在具体实现中，在从卡种申请信息中提取出用户身份信息后，可将该用户身份信息发送至服务器。而服务器可对该用户身份信息进行自动审核，该自动审核过程包括对于用户身份信息的信息格式校验等审核流程，比如，检查护照号码是否符合护照号码的编排规则。此外，服务器也可从所述预设坐席列表中选取其他坐席设备，将所述用户身份信息发送至其他坐席设备，以使其他坐席设备对该用户身份信息进行审核，并反馈审核成功信息。由于将用户身份信息与申请资格信息交由不同的坐席人员进行审核，可以提高用户信息的安全性。当然，可将该用户身份信息进行进一步地划分，每一个审核用户A的用户身份信息的坐席人员只会接收到一部分的用户身份信息，也可保证用户信息的安全性。
进一步地，所述步骤S30，还可以包括：所述VTM在接收到所述业务开始指令时，获取用户输入的卡种选取指令，从所述卡种选取指令中提取卡种类型；所述VTM获取预设身份信息填写界面，并根据所述卡种类型查找对应的申请资格填写界面，将所述预设身份信息填写界面与所述申请资格填写界面进行组合，将组合后的界面作为卡种申请界面，并展示所述卡种申请界面，所述预设身份信息填写界面用于填写用户的身份信息，所述申请资格填写界面用于填写判定用户是否具有***申请资格的依据信息。
可以理解的是，考虑到不同的***申请的申请资格信息所需填写的内容不同，可为不同类型的***生成不同的卡种申请界面。在具体实现中，比如，当用户从“国际***”以及“车主***”等***类型中选取出“国际***”进行申请时，虽然各种***所需审核的用户信息不同，但是，一部分信息是申请银行卡用户都需填写的，可将用户都需填写的信息选项置入“预设身份信息填写界面”，比如，用户的姓名、身份证号、性别以及手机号码等信息。而申请不同类型的***所需审核的不同方面的个人信息可置于“申请资格填写界面”，比如，用户是否有海外资产以及是否具有海外留学经历等信息。
此外，为实现上述目的，本申请还提出一种自助式***申请设备，其中，所述设备包括存储器、处理器及存储在所述存储器上并可在所述处理器上运行的自助式***申请程序，所述自助式***申请程序配置为实现如上文所述的自助式***申请方法的步骤。
此外，为实现上述目的，本申请还提出一种存储介质，其中，所述存储介质上存储有自助式***申请程序，所述自助式***申请程序被处理器执行时实现如上文所述的自助式***申请方法的步骤。
参考图6，图6为本申请自助式***申请***第一实施例的结构框图。
如图6所示，本实施例提出的自助式***申请***包括： VTM 101和服务器102；所述VTM 101，用于响应于用户输入的业务办理指令，向所述服务器102发送所述业务办理指令；所述服务器102，用于响应于所述业务办理指令，从预设坐席列表中选取处于空闲状态的坐席设备，生成业务开始指令，并向所述VTM 101发送所述业务开始指令，所述坐席设备由坐席人员操作以协助办理用户的业务；所述VTM 101，还用于在接收到所述业务开始指令时，获取用户输入的卡种选取指令，从所述卡种选取指令中提取卡种类型，根据所述卡种类型查找对应的卡种申请界面，展示所述卡种申请界面；所述VTM 101，还用于获取用户在所述卡种申请界面中输入的卡种申请信息，向所述坐席设备发送所述卡种申请信息，以根据所述卡种申请信息办理***申请业务。

Claims (20)

  1. 一种自助式***申请方法，其中，所述自助式***申请方法包括以下步骤：
    VTM响应于用户输入的业务办理指令，向服务器发送所述业务办理指令；
    所述服务器响应于所述业务办理指令，从预设坐席列表中选取处于空闲状态的坐席设备，生成业务开始指令，并向所述VTM发送所述业务开始指令，所述坐席设备由坐席人员操作以协助办理用户的业务；
    所述VTM在接收到所述业务开始指令时，获取用户输入的卡种选取指令，从所述卡种选取指令中提取卡种类型，根据所述卡种类型查找对应的卡种申请界面，展示所述卡种申请界面；
    所述VTM获取用户在所述卡种申请界面中输入的卡种申请信息，向所述坐席设备发送所述卡种申请信息，以根据所述卡种申请信息办理***申请业务。
  2. 如权利要求1所述的自助式***申请方法，其中，所述服务器响应于所述业务办理指令，从预设坐席列表中选取处于空闲状态的坐席设备，生成业务开始指令，并向所述VTM发送所述业务开始指令，包括：
    所述服务器响应于所述业务办理指令，从预设坐席列表中选取处于空闲状态的坐席设备，生成业务开始指令，向所述坐席设备发送所述业务开始指令；
    所述坐席设备响应于所述业务开始指令，建立所述VTM与所述坐席设备的视频传输通道，并将所述VTM的屏幕画面共享至所述坐席设备的屏幕，并生成连接完成信息，向所述服务器发送所述连接完成信息；
    所述服务器响应于所述连接完成信息，向所述VTM发送所述业务开始指令；
    相应地，所述VTM获取用户在所述卡种申请界面中输入的卡种申请信息，向所述坐席设备发送所述卡种申请信息，以根据所述卡种申请信息办理***申请业务，包括：
    所述VTM获取用户在所述卡种申请界面中输入的卡种申请信息，并基于所述视频传输通道将用户输入的卡种申请信息共享至所述坐席设备的屏幕；
    所述VTM响应于用户输入的信息完成指令，向所述坐席设备发送所述卡种申请信息，以供所述坐席设备根据所述卡种申请信息办理***申请业务。
  3. 如权利要求2所述的自助式***申请方法，其中，所述VTM获取用户在所述卡种申请界面中输入的卡种申请信息，并基于所述视频传输通道将用户输入的卡种申请信息共享至所述坐席设备的屏幕之后，所述自助式***申请方法还包括：
    所述坐席设备在接收到所述VTM共享的卡种申请信息时，展示所述卡种申请信息，并响应于坐席人员输入的信息更正指令，向所述VTM发送所述信息更正指令；
    所述VTM在接收到所述信息更正指令时，基于所述信息更正指令确定待更正信息，在所述卡种申请界面中对所述待更正信息进行标注，以提醒用户进行信息更正。
  4. 如权利要求1所述的自助式***申请方法，其中，所述VTM在接收到所述业务开始指令时，获取用户输入的卡种选取指令，从所述卡种选取指令中提取卡种类型，根据所述卡种类型查找对应的卡种申请界面，展示所述卡种申请界面，包括：
    所述VTM在接收到所述业务开始指令时，获取用户标识，向所述服务器发送所述用户标识；
    所述服务器对所述用户标识进行合法性验证，在验证成功时，生成验证成功信息，向所述VTM发送所述验证成功信息；
    所述VTM响应于所述验证成功信息，获取用户输入的卡种选取指令，从所述卡种选取指令中提取卡种类型，根据所述卡种类型查找对应的卡种申请界面，展示所述卡种申请界面；
    相应地，所述VTM获取用户在所述卡种申请界面中输入的卡种申请信息，向所述坐席设备发送所述卡种申请信息，以根据所述卡种申请信息办理***申请业务之后，所述自助式***申请方法还包括：
    所述坐席设备响应于所述卡种申请信息，从预设***集中选取目标***标识，将所述用户标识与所述目标***标识进行绑定，以成功办理***。
  5. 如权利要求4所述的自助式***申请方法，其中，所述坐席设备响应于所述卡种申请信息，从预设***集中选取目标***标识，将所述用户标识与所述目标***标识进行绑定，以成功办理***之后，所述自助式***申请方法还包括：
    所述服务器根据所述用户标识基于预设映射关系查找到对应的各***标识，向所述VTM发送所述***标识；
    所述VTM在接收到所述***标识时，对所述***标识进行展示；
    所述VTM响应于用户输入的***选取指令，从所述***标识中选取目标***标识，向所述服务器发送所述目标***标识；
    所述服务器将所述目标***标识与所述目标***标识进行业务绑定，以供用户通过所述目标***标识对应的账户向所述目标***标识对应的账户进行自动还款。
  6. 如权利要求1所述的自助式***申请方法，其中，所述VTM获取用户在所述卡种申请界面中输入的卡种申请信息，向所述坐席设备发送所述卡种申请信息，以根据所述卡种申请信息办理***申请业务之后，所述自助式***申请方法还包括：
    所述坐席设备在接收到所述卡种申请信息时，响应于坐席人员输入的资料审核指令，判断所述卡种申请信息是否满足预设申请条件，在所述卡种申请信息满足所述预设申请条件时，从所述卡种申请信息中提取申请资格信息，展示所述申请资格信息，以供坐席人员对所述申请资格信息进行审核；
    所述坐席设备响应于坐席人员输入的审核完成指令时，向所述VTM发送成功办理信息，以提示用户***申请业务办理成功。
  7. 如权利要求6所述的自助式***申请方法，其中，所述坐席设备在接收到所述卡种申请信息时，响应于坐席人员输入的资料审核指令，判断所述卡种申请信息是否满足预设申请条件，在所述卡种申请信息满足所述预设申请条件时，从所述卡种申请信息中提取申请资格信息，展示所述申请资格信息，以供坐席人员对所述申请资格信息进行审核，包括：
    所述坐席设备在接收到所述卡种申请信息时，响应于坐席人员输入的资料审核指令，从所述卡种申请信息中提取用户身份信息；
    所述坐席设备向所述服务器发送所述用户身份信息，以使所述服务器对所述用户身份信息进行审核，生成并反馈审核成功信息，所述卡种申请信息由所述申请资格信息与所述用户身份信息构成；
    所述坐席设备在接收到反馈的审核成功信息时，判断所述卡种申请信息是否满足预设申请条件，在所述卡种申请信息满足所述预设申请条件时，从所述卡种申请信息中提取申请资格信息，展示所述申请资格信息，以供坐席人员对所述申请资格信息进行审核。
  8. 一种自助式***申请***，其中，所述自助式***申请***包括：VTM和服务器；
    所述VTM，用于响应于用户输入的业务办理指令，向所述服务器发送所述业务办理指令；
    所述服务器，用于响应于所述业务办理指令，从预设坐席列表中选取处于空闲状态的坐席设备，生成业务开始指令，并向所述VTM发送所述业务开始指令，所述坐席设备由坐席人员操作以协助办理用户的业务；
    所述VTM，还用于在接收到所述业务开始指令时，获取用户输入的卡种选取指令，从所述卡种选取指令中提取卡种类型，根据所述卡种类型查找对应的卡种申请界面，展示所述卡种申请界面；
    所述VTM，还用于获取用户在所述卡种申请界面中输入的卡种申请信息，向所述坐席设备发送所述卡种申请信息，以根据所述卡种申请信息办理***申请业务。
  9. 一种自助式***申请设备，其中，所述自助式***申请设备包括存储器、处理器及存储在所述存储器上并可在所述处理器上运行的自助式***申请程序，所述自助式***申请程序配置为实现如下步骤：
    VTM响应于用户输入的业务办理指令，向服务器发送所述业务办理指令；
    所述服务器响应于所述业务办理指令，从预设坐席列表中选取处于空闲状态的坐席设备，生成业务开始指令，并向所述VTM发送所述业务开始指令，所述坐席设备由坐席人员操作以协助办理用户的业务；
    所述VTM在接收到所述业务开始指令时，获取用户输入的卡种选取指令，从所述卡种选取指令中提取卡种类型，根据所述卡种类型查找对应的卡种申请界面，展示所述卡种申请界面；
    所述VTM获取用户在所述卡种申请界面中输入的卡种申请信息，向所述坐席设备发送所述卡种申请信息，以根据所述卡种申请信息办理***申请业务。
  10. 如权利要求9的所述自助式***申请设备，其中，所述自助式***申请程序配置为实现如下步骤：
    所述服务器响应于所述业务办理指令，从预设坐席列表中选取处于空闲状态的坐席设备，生成业务开始指令，向所述坐席设备发送所述业务开始指令；
    所述坐席设备响应于所述业务开始指令，建立所述VTM与所述坐席设备的视频传输通道，并将所述VTM的屏幕画面共享至所述坐席设备的屏幕，并生成连接完成信息，向所述服务器发送所述连接完成信息；
    所述服务器响应于所述连接完成信息，向所述VTM发送所述业务开始指令；
    相应地，所述VTM获取用户在所述卡种申请界面中输入的卡种申请信息，向所述坐席设备发送所述卡种申请信息，以根据所述卡种申请信息办理***申请业务，包括：
    所述VTM获取用户在所述卡种申请界面中输入的卡种申请信息，并基于所述视频传输通道将用户输入的卡种申请信息共享至所述坐席设备的屏幕；
    所述VTM响应于用户输入的信息完成指令，向所述坐席设备发送所述卡种申请信息，以供所述坐席设备根据所述卡种申请信息办理***申请业务。
  11. 如权利要求10的所述自助式***申请设备，其中，所述自助式***申请程序配置为实现如下步骤：
    所述坐席设备在接收到所述VTM共享的卡种申请信息时，展示所述卡种申请信息，并响应于坐席人员输入的信息更正指令，向所述VTM发送所述信息更正指令；
    所述VTM在接收到所述信息更正指令时，基于所述信息更正指令确定待更正信息，在所述卡种申请界面中对所述待更正信息进行标注，以提醒用户进行信息更正。
  12. 如权利要求9的所述自助式***申请设备，其中，所述自助式***申请程序配置为实现如下步骤：
    所述VTM在接收到所述业务开始指令时，获取用户标识，向所述服务器发送所述用户标识；
    所述服务器对所述用户标识进行合法性验证，在验证成功时，生成验证成功信息，向所述VTM发送所述验证成功信息；
    所述VTM响应于所述验证成功信息，获取用户输入的卡种选取指令，从所述卡种选取指令中提取卡种类型，根据所述卡种类型查找对应的卡种申请界面，展示所述卡种申请界面；
    相应地，所述VTM获取用户在所述卡种申请界面中输入的卡种申请信息，向所述坐席设备发送所述卡种申请信息，以根据所述卡种申请信息办理***申请业务之后，所述自助式***申请方法还包括：
    所述坐席设备响应于所述卡种申请信息，从预设***集中选取目标***标识，将所述用户标识与所述目标***标识进行绑定，以成功办理***。
  13. 如权利要求12的所述自助式***申请设备，其中，所述自助式***申请程序配置为实现如下步骤：
    所述服务器根据所述用户标识基于预设映射关系查找到对应的各***标识，向所述VTM发送所述***标识；
    所述VTM在接收到所述***标识时，对所述***标识进行展示；
    所述VTM响应于用户输入的***选取指令，从所述***标识中选取目标***标识，向所述服务器发送所述目标***标识；
    所述服务器将所述目标***标识与所述目标***标识进行业务绑定，以供用户通过所述目标***标识对应的账户向所述目标***标识对应的账户进行自动还款。
  14. 如权利要求9的所述自助式***申请设备，其中，所述自助式***申请程序配置为实现如下步骤：
    所述坐席设备在接收到所述卡种申请信息时，响应于坐席人员输入的资料审核指令，判断所述卡种申请信息是否满足预设申请条件，在所述卡种申请信息满足所述预设申请条件时，从所述卡种申请信息中提取申请资格信息，展示所述申请资格信息，以供坐席人员对所述申请资格信息进行审核；
    所述坐席设备响应于坐席人员输入的审核完成指令时，向所述VTM发送成功办理信息，以提示用户***申请业务办理成功。
  15. 一种存储介质，其中，所述存储介质上存储有自助式***申请程序，所述自助式***申请程序被处理器执行时实现如下步骤：
    VTM响应于用户输入的业务办理指令，向服务器发送所述业务办理指令；
    所述服务器响应于所述业务办理指令，从预设坐席列表中选取处于空闲状态的坐席设备，生成业务开始指令，并向所述VTM发送所述业务开始指令，所述坐席设备由坐席人员操作以协助办理用户的业务；
    所述VTM在接收到所述业务开始指令时，获取用户输入的卡种选取指令，从所述卡种选取指令中提取卡种类型，根据所述卡种类型查找对应的卡种申请界面，展示所述卡种申请界面；
    所述VTM获取用户在所述卡种申请界面中输入的卡种申请信息，向所述坐席设备发送所述卡种申请信息，以根据所述卡种申请信息办理***申请业务。
  16. 如权利要求15所述的存储介质，其中，所述自助式***申请程序被处理器执行时实现如下步骤：
    所述服务器响应于所述业务办理指令，从预设坐席列表中选取处于空闲状态的坐席设备，生成业务开始指令，向所述坐席设备发送所述业务开始指令；
    所述坐席设备响应于所述业务开始指令，建立所述VTM与所述坐席设备的视频传输通道，并将所述VTM的屏幕画面共享至所述坐席设备的屏幕，并生成连接完成信息，向所述服务器发送所述连接完成信息；
    所述服务器响应于所述连接完成信息，向所述VTM发送所述业务开始指令；
    相应地，所述VTM获取用户在所述卡种申请界面中输入的卡种申请信息，向所述坐席设备发送所述卡种申请信息，以根据所述卡种申请信息办理***申请业务，包括：
    所述VTM获取用户在所述卡种申请界面中输入的卡种申请信息，并基于所述视频传输通道将用户输入的卡种申请信息共享至所述坐席设备的屏幕；
    所述VTM响应于用户输入的信息完成指令，向所述坐席设备发送所述卡种申请信息，以供所述坐席设备根据所述卡种申请信息办理***申请业务。
  17. 如权利要求16所述的存储介质，其中，所述自助式***申请程序被处理器执行时实现如下步骤：
    所述坐席设备在接收到所述VTM共享的卡种申请信息时，展示所述卡种申请信息，并响应于坐席人员输入的信息更正指令，向所述VTM发送所述信息更正指令；
    所述VTM在接收到所述信息更正指令时，基于所述信息更正指令确定待更正信息，在所述卡种申请界面中对所述待更正信息进行标注，以提醒用户进行信息更正。
  18. 如权利要求15所述的存储介质，其中，所述自助式***申请程序被处理器执行时实现如下步骤：
    所述VTM在接收到所述业务开始指令时，获取用户标识，向所述服务器发送所述用户标识；
    所述服务器对所述用户标识进行合法性验证，在验证成功时，生成验证成功信息，向所述VTM发送所述验证成功信息；
    所述VTM响应于所述验证成功信息，获取用户输入的卡种选取指令，从所述卡种选取指令中提取卡种类型，根据所述卡种类型查找对应的卡种申请界面，展示所述卡种申请界面；
    相应地，所述VTM获取用户在所述卡种申请界面中输入的卡种申请信息，向所述坐席设备发送所述卡种申请信息，以根据所述卡种申请信息办理***申请业务之后，所述自助式***申请方法还包括：
    所述坐席设备响应于所述卡种申请信息，从预设***集中选取目标***标识，将所述用户标识与所述目标***标识进行绑定，以成功办理***。
  19. 如权利要求18所述的存储介质，其中，所述自助式***申请程序被处理器执行时实现如下步骤：
    所述服务器根据所述用户标识基于预设映射关系查找到对应的各***标识，向所述VTM发送所述***标识；
    所述VTM在接收到所述***标识时，对所述***标识进行展示；
    所述VTM响应于用户输入的***选取指令，从所述***标识中选取目标***标识，向所述服务器发送所述目标***标识；
    所述服务器将所述目标***标识与所述目标***标识进行业务绑定，以供用户通过所述目标***标识对应的账户向所述目标***标识对应的账户进行自动还款。
  20. 如权利要求15所述的存储介质，其中，所述自助式***申请程序被处理器执行时实现如下步骤：
    所述坐席设备在接收到所述卡种申请信息时，响应于坐席人员输入的资料审核指令，判断所述卡种申请信息是否满足预设申请条件，在所述卡种申请信息满足所述预设申请条件时，从所述卡种申请信息中提取申请资格信息，展示所述申请资格信息，以供坐席人员对所述申请资格信息进行审核；
    所述坐席设备响应于坐席人员输入的审核完成指令时，向所述VTM发送成功办理信息，以提示用户***申请业务办理成功。
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