CN115086434B - Bank business handling method and device based on blockchain - Google Patents
Bank business handling method and device based on blockchain Download PDFInfo
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- CN115086434B CN115086434B CN202210668590.XA CN202210668590A CN115086434B CN 115086434 B CN115086434 B CN 115086434B CN 202210668590 A CN202210668590 A CN 202210668590A CN 115086434 B CN115086434 B CN 115086434B
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- 238000012545 processing Methods 0.000 claims abstract description 122
- 238000004590 computer program Methods 0.000 claims description 24
- 238000003860 storage Methods 0.000 claims description 10
- 230000002452 interceptive effect Effects 0.000 claims description 4
- 238000011156 evaluation Methods 0.000 claims description 3
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- 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]
- G07F19/211—Software architecture within ATMs or in relation to the ATM network
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- H—ELECTRICITY
- H04—ELECTRIC COMMUNICATION TECHNIQUE
- H04L—TRANSMISSION OF DIGITAL INFORMATION, e.g. TELEGRAPHIC COMMUNICATION
- H04L67/00—Network arrangements or protocols for supporting network services or applications
- H04L67/01—Protocols
- H04L67/12—Protocols specially adapted for proprietary or special-purpose networking environments, e.g. medical networks, sensor networks, networks in vehicles or remote metering networks
Abstract
The invention discloses a banking business handling method and device based on a blockchain, and relates to the technical field of blockchains, wherein the method comprises the following steps: the ATM sends an idle counter information acquisition request to a bank counter server in the blockchain according to a business handling request submitted by a user; the bank counter server and each counter terminal are nodes in the block chain respectively; receiving idle counter information sent by a bank counter server according to a banking business identifier; transmitting the counter identification selected by the user according to the idle counter information to a bank counter server so that the bank counter server can transmit a business processing instruction to a counter terminal selected by the user; receiving a counter terminal selected by a user, and sending an operation instruction after receiving a service processing instruction; transmitting operation information submitted by a user according to the operation instruction to a counter terminal selected by the user; the counter terminal completes business handling for the user according to the operation information. The invention can improve the handling efficiency of banking business.
Description
Technical Field
The invention relates to the technical field of blockchains, in particular to a banking business handling method and device based on blockchains.
Background
This section is intended to provide a background or context to the embodiments of the invention that are recited in the claims. The description herein is not admitted to be prior art by inclusion in this section.
At present, some specific banking businesses need to be transacted at a banking counter, but the user traffic of each banking website is different, so that the counter of part of the banking website is idle and resources are wasted, the counter resources of part of the banking website are tense, users need long queuing waiting, the transacting efficiency of the banking counter business is low, the deploying efficiency of the counter resources is low, the transacting businesses of the counter of each banking website are different, the user cannot determine the correct banking website, and the user experience is poor.
Disclosure of Invention
The embodiment of the invention provides a banking business handling method based on a blockchain, which is applied to an ATM and is used for improving the allocation efficiency of bank counter resources, reducing resource waste, improving the business handling efficiency of the bank counter, shortening the queuing time of a user and improving the user experience, and the method comprises the following steps:
receiving a business handling request submitted by a user; wherein, the business handling request carries a banking business identifier and an identity identifier of the user;
According to the business handling request, sending an idle counter information acquisition request to a bank counter server in a blockchain; the free counter information acquisition request carries the banking service identifier and the identity identifier of the user; the bank counter server and each counter terminal are nodes in the block chain respectively;
receiving idle counter information sent by a bank counter server according to the banking business identifier; wherein, the idle counter information comprises: counter identification and position information of the idle counter, counter identification corresponding to the idle counter and business handling information corresponding to the counter;
providing idle counter information for a user, receiving counter identifiers selected by the user according to the idle counter information, and sending the counter identifiers selected by the user to a bank counter server so that the bank counter server can send business processing instructions to counter terminals corresponding to the counter identifiers selected by the user, wherein the business processing instructions carry bank business identifiers, the identity identifiers of the user and the equipment identifiers of the ATM;
receiving a counter terminal corresponding to the counter identifier selected by the user, and sending an operation instruction after receiving the service processing instruction;
Providing the operation instruction for a user, and transmitting operation information submitted by the user according to the operation instruction to a counter terminal corresponding to the counter identifier selected by the user; and the counter terminal corresponding to the counter identifier selected by the user completes business handling for the user according to the operation information.
The embodiment of the invention also provides a banking business handling method based on the blockchain, which is applied to nodes of the blockchain, wherein the nodes are a server of a bank counter and are used for improving the allocation efficiency of the resources of the bank counter, reducing the resource waste, improving the business handling efficiency of the bank counter, shortening the queuing time of a user and improving the user experience, and the method comprises the following steps:
receiving an idle counter information acquisition request sent by an ATM;
according to the banking service identification and the user identification contained in the free counter information acquisition request, determining a free counter terminal capable of handling banking service corresponding to the banking service identification from all nodes of the blockchain;
generating idle counter information according to counter identification, position information, teller identification and teller business handling information of the idle counter terminal, and sending the idle counter information to the ATM;
After receiving the counter identifier selected by the user and sent by the ATM, determining a counter terminal selected by the user according to the counter identifier selected by the user, and sending a service processing instruction to the counter terminal selected by the user; the business processing instruction carries a banking business identifier, an identity identifier of the user and a device identifier of the ATM; the counter terminal selected by the user sends an operation instruction to the ATM according to the service processing instruction, and the user sends operation information to the selected counter terminal by using the ATM according to the operation instruction;
and receiving service processing information sent by the counter terminal selected by the user according to the operation information of the user, and completing service handling for the user according to the service processing information.
The embodiment of the invention also provides a banking business handling device based on a blockchain, which is applied to an ATM and is used for improving the allocation efficiency of the resources of a banking counter, reducing the resource waste, improving the business handling efficiency of the banking counter, shortening the queuing time of a user and improving the user experience, and the device comprises:
the first receiving module is used for receiving a business handling request submitted by a user; wherein, the business handling request carries a banking business identifier and an identity identifier of the user;
The first sending module is used for sending an idle counter information acquisition request to a bank counter server in a block chain according to the business handling request; the free counter information acquisition request carries the banking service identifier and the identity identifier of the user; the bank counter server and each counter terminal are nodes in the block chain respectively;
the second receiving module is used for receiving idle counter information sent by the bank counter server according to the bank business identifier; wherein, the idle counter information comprises: counter identification and position information of the idle counter, counter identification corresponding to the idle counter and business handling information corresponding to the counter;
the first processing module is used for providing idle counter information for a user, receiving counter identifiers selected by the user according to the idle counter information, and sending the counter identifiers selected by the user to the bank counter server so that the bank counter server can send business processing instructions to counter terminals corresponding to the counter identifiers selected by the user, wherein the business processing instructions carry banking business identifiers, the identity identifiers of the user and the equipment identifiers of the ATM;
The second processing module is used for receiving a counter terminal corresponding to the counter identifier selected by the user and sending an operation instruction after receiving the service processing instruction;
the third processing module is used for providing the operation instruction for a user, and sending operation information submitted by the user according to the operation instruction to a counter terminal corresponding to the counter identifier selected by the user; and the counter terminal corresponding to the counter identifier selected by the user completes business handling for the user according to the operation information.
The embodiment of the invention also provides a banking business handling device based on a blockchain, which is applied to nodes of the blockchain, wherein the nodes are a server of a bank counter and are used for improving the allocation efficiency of the resources of the bank counter, reducing the resource waste, improving the business handling efficiency of the bank counter, shortening the queuing time of a user and improving the user experience, and the device comprises:
a third receiving module for receiving an idle counter information acquisition request sent by the ATM;
the fourth processing module is used for determining an idle counter terminal capable of handling the banking business corresponding to the banking business identifier from all nodes of the blockchain according to the banking business identifier and the identity identifier of the user contained in the idle counter information acquisition request;
The free counter information generation module is used for generating free counter information according to counter identification, position information, teller identification and teller business handling information of the free counter terminal and sending the free counter information to the ATM;
the second sending module is used for determining a counter terminal selected by a user according to the counter identifier selected by the user after receiving the counter identifier selected by the user and sent by the ATM, and sending a service processing instruction to the counter terminal selected by the user; the business processing instruction carries a banking business identifier, an identity identifier of the user and a device identifier of the ATM; the counter terminal selected by the user sends an operation instruction to the ATM according to the service processing instruction, and the user sends operation information to the selected counter terminal by using the ATM according to the operation instruction;
and the fifth processing module is used for receiving service processing information sent by the counter terminal selected by the user according to the operation information of the user, and completing service handling for the user according to the service processing information.
The embodiment of the invention also provides computer equipment, which comprises a memory, a processor and a computer program stored on the memory and capable of running on the processor, wherein the processor realizes the banking business handling method based on the block chain when executing the computer program.
The embodiment of the invention also provides a computer readable storage medium, wherein the computer readable storage medium stores a computer program, and the computer program realizes the banking business handling method based on the blockchain when being executed by a processor.
The embodiment of the invention also provides a computer program product, which comprises a computer program, wherein the computer program is executed by a processor to realize the banking business handling method based on the blockchain.
In an embodiment of the invention, the ATM performs the following method: receiving a business handling request submitted by a user; wherein, the business handling request carries a banking business identifier and an identity identifier of the user; according to the business handling request, sending an idle counter information acquisition request to a bank counter server in a blockchain; the free counter information acquisition request carries the banking service identifier and the identity identifier of the user; the bank counter server and each counter terminal are nodes in the block chain respectively; receiving idle counter information sent by a bank counter server according to the banking business identifier; wherein, the idle counter information comprises: counter identification and position information of the idle counter, counter identification corresponding to the idle counter and business handling information corresponding to the counter; providing idle counter information for a user, receiving counter identifiers selected by the user according to the idle counter information, and sending the counter identifiers selected by the user to a bank counter server so that the bank counter server can send business processing instructions to counter terminals corresponding to the counter identifiers selected by the user, wherein the business processing instructions carry bank business identifiers, the identity identifiers of the user and the equipment identifiers of the ATM; receiving a counter terminal corresponding to the counter identifier selected by the user, and sending an operation instruction after receiving the service processing instruction; providing the operation instruction for a user, and transmitting operation information submitted by the user according to the operation instruction to a counter terminal corresponding to the counter identifier selected by the user; and the counter terminal corresponding to the counter identifier selected by the user completes business handling for the user according to the operation information. Thus, the ATM can be connected with the counter terminals of all banking sites to help users to complete counter business handling on the ATM, and the ATM is used for realizing the allocation of counter resources of all banking sites, so that the allocation efficiency of the counter resources of the banks is improved, the resource waste is reduced, the business handling efficiency of the counter of the banks is improved, the queuing time of the users is shortened, and the user experience is improved.
In addition, the bank counter server, as a node of the blockchain, performs the following method: receiving an idle counter information acquisition request sent by an ATM; according to the banking service identification and the user identification contained in the free counter information acquisition request, determining a free counter terminal capable of handling banking service corresponding to the banking service identification from all nodes of the blockchain; generating idle counter information according to counter identification, position information, teller identification and teller business handling information of the idle counter terminal, and sending the idle counter information to the ATM; after receiving the counter identifier selected by the user and sent by the ATM, determining a counter terminal selected by the user according to the counter identifier selected by the user, and sending a service processing instruction to the counter terminal selected by the user; the business processing instruction carries a banking business identifier, an identity identifier of the user and a device identifier of the ATM; the counter terminal selected by the user sends an operation instruction to the ATM according to the service processing instruction, and the user sends operation information to the selected counter terminal by using the ATM according to the operation instruction; and receiving service processing information sent by the counter terminal selected by the user according to the operation information of the user, and completing service handling for the user according to the service processing information. Thus, the ATM can be connected with the counter terminals of all banking sites to help users to complete counter business handling on the ATM, and the ATM is used for realizing the allocation of counter resources of all banking sites, so that the allocation efficiency of the counter resources of the banks is improved, the resource waste is reduced, the business handling efficiency of the counter of the banks is improved, the queuing time of the users is shortened, and the user experience is improved.
Drawings
In order to more clearly illustrate the embodiments of the invention or the technical solutions in the prior art, the drawings that are required in the embodiments or the description of the prior art will be briefly described, it being obvious that the drawings in the following description are only some embodiments of the invention, and that other drawings may be obtained according to these drawings without inventive effort for a person skilled in the art. In the drawings:
FIG. 1 is a flow chart of a blockchain-based banking method for use with an ATM in accordance with embodiments of the present invention;
FIG. 2 is a schematic diagram of a banking transaction device based on blockchain in accordance with an embodiment of the present invention;
FIG. 3 is a flowchart of a blockchain-based banking transaction method for a banking counter server, in accordance with embodiments of the present invention;
FIG. 4 is a schematic diagram of another blockchain-based banking device in accordance with embodiments of the present invention;
FIG. 5 is an exemplary diagram of an overall implementation flow of a blockchain-based banking method provided in an embodiment of the present invention.
Detailed Description
For the purpose of making the objects, technical solutions and advantages of the embodiments of the present invention more apparent, the embodiments of the present invention will be described in further detail with reference to the accompanying drawings. The exemplary embodiments of the present invention and their descriptions herein are for the purpose of explaining the present invention, but are not to be construed as limiting the invention.
The data acquisition, storage, use, processing and the like in the technical scheme meet the relevant regulations of national laws and regulations.
The term "and/or" is used herein to describe only one relationship, meaning that there may be three relationships, e.g., a and/or B, which may mean: a exists alone, A and B exist together, and B exists alone. In addition, the term "at least one" herein means any one of a plurality or any combination of at least two of a plurality, for example, including at least one of A, B, C, and may mean including any one or more elements selected from the group consisting of A, B and C.
In the description of the present specification, the terms "comprising," "including," "having," "containing," and the like are open-ended terms, meaning including, but not limited to. Reference to the terms "one embodiment," "a particular embodiment," "some embodiments," "for example," etc., means that a particular feature, structure, or characteristic described in connection with the embodiment or example is included in at least one embodiment or example of the present application. In this specification, schematic representations of the above terms do not necessarily refer to the same embodiments or examples. Furthermore, the particular features, structures, or characteristics described may be combined in any suitable manner in any one or more embodiments or examples. The sequence of steps involved in the embodiments is used to schematically illustrate the practice of the present application, and is not limited thereto and may be appropriately adjusted as desired.
According to research, it is found that some specific banking businesses need to be transacted at a bank counter, but the user's flow of people at each banking website is different, so that part of the banking website counter is idle and resources are wasted, part of the banking website counter resources are tense, users need long queuing waiting, the banking counter business transacting efficiency is low, counter resource allocation efficiency is low, the transacting businesses of each banking website counter are different, the user cannot determine the correct banking website, and the user experience is poor.
In view of the above, an embodiment of the present invention provides a blockchain-based banking transaction method applied to ATM, as shown in fig. 1, including:
s101: receiving a business handling request submitted by a user; wherein, the business handling request carries a banking business identifier and an identity identifier of the user;
s102: according to the business handling request, sending an idle counter information acquisition request to a bank counter server in a blockchain; the free counter information acquisition request carries the banking service identifier and the identity identifier of the user; the bank counter server and each counter terminal are nodes in the block chain respectively;
S103: receiving idle counter information sent by a bank counter server according to the banking business identifier; wherein, the idle counter information comprises: counter identification and position information of the idle counter, counter identification corresponding to the idle counter and business handling information corresponding to the counter;
s104: providing idle counter information for a user, receiving counter identifiers selected by the user according to the idle counter information, and sending the counter identifiers selected by the user to a bank counter server so that the bank counter server can send business processing instructions to counter terminals corresponding to the counter identifiers selected by the user, wherein the business processing instructions carry bank business identifiers, the identity identifiers of the user and the equipment identifiers of the ATM;
s105: receiving a counter terminal corresponding to the counter identifier selected by the user, and sending an operation instruction after receiving the service processing instruction;
s106: providing the operation instruction for a user, and transmitting operation information submitted by the user according to the operation instruction to a counter terminal corresponding to the counter identifier selected by the user; and the counter terminal corresponding to the counter identifier selected by the user completes business handling for the user according to the operation information.
In an embodiment of the invention, the ATM performs the following method: receiving a business handling request submitted by a user; wherein, the business handling request carries a banking business identifier and an identity identifier of the user; according to the business handling request, sending an idle counter information acquisition request to a bank counter server in a blockchain; the free counter information acquisition request carries the banking service identifier and the identity identifier of the user; the bank counter server and each counter terminal are nodes in the block chain respectively; receiving idle counter information sent by a bank counter server according to the banking business identifier; wherein, the idle counter information comprises: counter identification and position information of the idle counter, counter identification corresponding to the idle counter and business handling information corresponding to the counter; providing idle counter information for a user, receiving counter identifiers selected by the user according to the idle counter information, and sending the counter identifiers selected by the user to a bank counter server so that the bank counter server can send business processing instructions to counter terminals corresponding to the counter identifiers selected by the user, wherein the business processing instructions carry bank business identifiers, the identity identifiers of the user and the equipment identifiers of the ATM; receiving a counter terminal corresponding to the counter identifier selected by the user, and sending an operation instruction after receiving the service processing instruction; providing the operation instruction for a user, and transmitting operation information submitted by the user according to the operation instruction to a counter terminal corresponding to the counter identifier selected by the user; and the counter terminal corresponding to the counter identifier selected by the user completes business handling for the user according to the operation information. Thus, the ATM can be connected with the counter terminals of all banking sites to help users to complete counter business handling on the ATM, and the ATM is used for realizing the allocation of counter resources of all banking sites, so that the allocation efficiency of the counter resources of the banks is improved, the resource waste is reduced, the business handling efficiency of the counter of the banks is improved, the queuing time of the users is shortened, and the user experience is improved.
The above-described blockchain-based banking transaction method applied to the ATM will be described in detail.
For S101, when the user is about to transact the banking business that needs to be transacted at the bank counter, the request for transacting the business may be submitted through the ATM, where the request for transacting the business includes, for example, a banking business identifier of the banking business that the user is about to transact and an identity identifier of the user.
In one embodiment of the present invention, receiving a business transaction request submitted by a user includes, for example: when the ATM detects that a user inserts a bank card, acquiring account information of the bank card; prompting the user to select a banking business identifier of a banking business to be transacted when a preset password corresponding to account information of the banking card is consistent with a password input by the user; acquiring the identity of the user according to the account information; and determining a business handling request submitted by the user according to the banking business identifier and the identity identifier.
For the above S102 to S103, the bank counter server and each counter terminal are respectively connected to the blockchain, and after receiving a service handling request submitted by a user, the ATM sends an idle counter information acquisition request to the bank counter server in the blockchain, and receives idle counter information sent by the bank counter server according to the idle counter information acquisition request.
The free counter information acquisition request carries a banking business identifier of banking business to be handled by a user and an identity identifier of the user; the free counter information includes, for example: at least one counter identifier of the free counter, position information corresponding to each free counter, teller identifiers and business handling information corresponding to teller.
In an embodiment of the present invention, the teller business handling information includes at least one of the following: the processed service identification of the processed service of the teller, the average processing time length and the processing times corresponding to each processed service respectively, and the evaluation information corresponding to each teller under each processed service respectively.
For the above S104, after receiving the idle counter information, the ATM provides the idle counter information to the user, so that the user selects an idle counter to transact the banking business from the idle counters according to the idle counter information, and when receiving the counter identifier of the idle counter selected by the user, sends the counter identifier selected by the user to the bank counter server, so that the bank counter server sends a business processing instruction to the counter terminal corresponding to the counter identifier selected by the user.
The business processing instruction carries a banking business identifier, an identity identifier of the user and a device identifier of the ATM.
Thus, when a user arrives at a banking site, if the counter terminal of the banking site is occupied or the counter terminal of the banking site cannot handle corresponding business, the user can connect the counter terminals of other banking sites through the ATM of the banking site to handle business, so that the flexibility and the handling efficiency of the banking business are improved, the queuing time of the user is reduced, and the user experience is improved.
For the above S105 to S106, when receiving the service processing instruction of the bank counter server, the corresponding counter terminal may generate a corresponding operation instruction based on the bank service identifier included in the service processing instruction and the user' S identity, send the operation instruction to the ATM that submits the service handling request according to the device identifier of the ATM, the ATM receives the operation instruction sent by the counter terminal, provides the operation instruction to the user, the user performs operation on the ATM according to the operation instruction to generate operation information, and the ATM sends the operation information of the user to the counter terminal, so that the counter terminal completes service handling for the user according to the operation terminal.
The operation instruction is used for indicating the operation needed to be performed by the user when the user transacts the corresponding service, and comprises the following steps: instructing the user to input the relevant monetary value, inputting the password, matching with the collected face information, matching with the collected fingerprint information, carrying out electronic signature, and the like.
In an embodiment of the present invention, the operation instruction includes: a voice operation instruction; providing the operation indication to the user includes, for example: playing the voice industry operation instruction to the user through a connected earphone; and/or, the operation instruction comprises: a text operation instruction; providing the operation indication to the user includes, for example: and displaying the text operation instruction on a graphical interactive interface of the ATM.
In addition, the operation information includes, for example, at least one of the following: signature information submitted by the user through the signature information acquisition device of the ATM, an identity card image, a face image and text information input by the user through the ATM and the like of the user acquired by the image acquisition device on the ATM.
The embodiment of the invention also provides a banking business handling device based on the blockchain, as described in the following embodiment. Because the principle of the device for solving the problem is similar to that of the banking transaction method based on the blockchain, the implementation of the device can be referred to the implementation of the banking transaction method based on the blockchain, and the repeated parts are not repeated.
Referring to fig. 2, a schematic diagram of a banking transaction device based on blockchain is provided in an embodiment of the present invention, and the device is applied to an ATM, and includes:
a first receiving module 201, configured to receive a service handling request submitted by a user; wherein, the business handling request carries a banking business identifier and an identity identifier of the user;
a first sending module 202, configured to send an idle counter information obtaining request to a bank counter server in a blockchain according to the business handling request; the free counter information acquisition request carries the banking service identifier and the identity identifier of the user; the bank counter server and each counter terminal are nodes in the block chain respectively;
a second receiving module 203, configured to receive idle counter information sent by a bank counter server according to the banking identifier; wherein, the idle counter information comprises: counter identification and position information of the idle counter, counter identification corresponding to the idle counter and business handling information corresponding to the counter;
a first processing module 204, configured to provide idle counter information for a user, receive a counter identifier selected by the user according to the idle counter information, and send the counter identifier selected by the user to a bank counter server, so that the bank counter server sends a service processing instruction to a counter terminal corresponding to the counter identifier selected by the user, where the service processing instruction carries a banking service identifier, an identity identifier of the user, and an equipment identifier of the ATM;
A second processing module 205, configured to receive a counter terminal corresponding to the counter identifier selected by the user, and send an operation instruction after receiving the service processing instruction;
a third processing module 206, configured to provide the operation instruction to a user, and send operation information submitted by the user according to the operation instruction to a counter terminal corresponding to the counter identifier selected by the user; and the counter terminal corresponding to the counter identifier selected by the user completes business handling for the user according to the operation information.
In one possible implementation, the teller business transaction information includes at least one of the following: the processed service identification of the processed service of the teller, the average processing time length and the processing times corresponding to each processed service respectively, and the evaluation information corresponding to each teller under each processed service respectively.
In a possible implementation manner, the first receiving module is specifically configured to obtain account information of a bank card when detecting that a user inserts the bank card; prompting the user to select a banking business identifier of a banking business to be transacted when a preset password corresponding to account information of the banking card is consistent with a password input by the user; acquiring the identity of the user according to the account information; and determining a business handling request submitted by the user according to the banking business identifier and the identity identifier.
In one possible implementation manner, the operation instruction includes: a voice operation instruction; the third processing module is specifically configured to play the voice industry operation instruction to the user through a connected earphone; and/or, the operation instruction comprises: a text operation instruction; and the third processing module is specifically used for displaying the text operation instruction on the graphical interactive interface of the ATM.
In one possible implementation manner, the operation information includes at least one of the following: the user submits the signature information through the signature information acquisition device of the ATM, and the identity card image and the face image of the user are acquired by the image acquisition device on the ATM.
In addition, another embodiment of the present invention further provides a blockchain-based banking transaction method applied to a banking counter server, where the banking counter server is a node in a blockchain, as shown in fig. 3, and the method includes:
s301: receiving an idle counter information acquisition request sent by an ATM;
s302: according to the banking service identification and the user identification contained in the free counter information acquisition request, determining a free counter terminal capable of handling banking service corresponding to the banking service identification from all nodes of the blockchain;
S303: generating idle counter information according to counter identification, position information, teller identification and teller business handling information of the idle counter terminal, and sending the idle counter information to the ATM;
s304: after receiving the counter identifier selected by the user and sent by the ATM, determining a counter terminal selected by the user according to the counter identifier selected by the user, and sending a service processing instruction to the counter terminal selected by the user; the business processing instruction carries a banking business identifier, an identity identifier of the user and a device identifier of the ATM; the counter terminal selected by the user sends an operation instruction to the ATM according to the service processing instruction, and the user sends operation information to the selected counter terminal by using the ATM according to the operation instruction;
s305: and receiving service processing information sent by the counter terminal selected by the user according to the operation information of the user, and completing service handling for the user according to the service processing information.
In the embodiment of the invention, a bank counter server is used as a node of a blockchain to execute the following method: receiving an idle counter information acquisition request sent by an ATM; according to the banking service identification and the user identification contained in the free counter information acquisition request, determining a free counter terminal capable of handling banking service corresponding to the banking service identification from all nodes of the blockchain; generating idle counter information according to counter identification, position information, teller identification and teller business handling information of the idle counter terminal, and sending the idle counter information to the ATM; after receiving the counter identifier selected by the user and sent by the ATM, determining a counter terminal selected by the user according to the counter identifier selected by the user, and sending a service processing instruction to the counter terminal selected by the user; the business processing instruction carries a banking business identifier, an identity identifier of the user and a device identifier of the ATM; the counter terminal selected by the user sends an operation instruction to the ATM according to the service processing instruction, and the user sends operation information to the selected counter terminal by using the ATM according to the operation instruction; and receiving service processing information sent by the counter terminal selected by the user according to the operation information of the user, and completing service handling for the user according to the service processing information. Thus, the ATM can be connected with the counter terminals of all banking sites to help users to complete counter business handling on the ATM, and the ATM is used for realizing the allocation of counter resources of all banking sites, so that the allocation efficiency of the counter resources of the banks is improved, the resource waste is reduced, the business handling efficiency of the counter of the banks is improved, the queuing time of the users is shortened, and the user experience is improved.
The block chain-based banking business handling method applied to the bank counter server in the embodiment of the invention is described in detail below.
For the above S301, the idle counter information obtaining request is sent by the ATM to the bank counter server after the user submits the service handling request on the ATM, where the idle counter information obtaining request carries a banking service identifier of a banking service to be handled by the user and an identity identifier of the user.
For the above S302, each bank counter terminal is also connected to a node serving as a blockchain in the blockchain, and when receiving the request for acquiring the free counter information, the bank counter server determines, from the nodes of the blockchain, the free counter terminal capable of handling the banking corresponding to the banking identifier according to the banking identifier and the identity of the user included in the request for acquiring the free counter information.
For the above S303 to S304, the bank counter server sends the idle counter information to the ATM, so that the user obtains the idle counter information through the ATM, selects a counter identifier of a counter terminal to transact a service according to the idle counter information, and receives the counter identifier submitted by the user through the ATM, determines the counter terminal selected by the user according to the counter identifier submitted by the user, and sends a service processing instruction to the counter terminal selected by the user; and the counter terminal selected by the user sends an operation instruction to the ATM according to the service processing instruction, and the user sends operation information to the selected counter terminal by using the ATM according to the operation instruction.
The business processing instruction carries a banking business identifier, an identity identifier of the user and a device identifier of the ATM.
For S305, the service processing information is, for example, information that needs to be processed and responded by the server in the banking process. Specifically, when the counter terminal transacts business for the user according to the operation information submitted by the user through the ATM, the counter terminal generates business processing information, then the business processing information is sent to the bank counter server, and the bank counter server receives the business processing information sent by the counter terminal and processes the business processing information so as to complete business transaction for the user.
Illustratively, when the user makes a large transfer, the service processing information includes, for example: transfer account information, payee account information, transfer amount, transfer verification information, and the like.
The embodiment of the invention also provides a banking business handling device based on the blockchain, as described in the following embodiment. Because the principle of the device for solving the problem is similar to that of the banking transaction method based on the blockchain, the implementation of the device can be referred to the implementation of the banking transaction method based on the blockchain, and the repeated parts are not repeated.
As shown in fig. 4, a schematic diagram of another banking transaction device based on blockchain according to an embodiment of the present invention is applied to a bank counter server, where the bank counter server is a node in the blockchain, and the device includes:
a third receiving module 401, configured to receive an idle counter information acquisition request sent by the ATM;
a fourth processing module 402, configured to determine, from each node of the blockchain, an idle counter terminal capable of handling a banking service corresponding to the banking service identifier according to the banking service identifier and the identity identifier of the user included in the idle counter information acquisition request;
an idle counter information generating module 403, configured to generate idle counter information according to a counter identifier, location information, teller identifier, and teller business handling information of an idle counter terminal, and send the idle counter information to the ATM;
a second sending module 404, configured to determine a counter terminal selected by a user according to the counter identifier selected by the user after receiving the counter identifier selected by the user and sent by the ATM, and send a service processing instruction to the counter terminal selected by the user; the business processing instruction carries a banking business identifier, an identity identifier of the user and a device identifier of the ATM; the counter terminal selected by the user sends an operation instruction to the ATM according to the service processing instruction, and the user sends operation information to the selected counter terminal by using the ATM according to the operation instruction;
And a fifth processing module 405, configured to receive service processing information sent by the counter terminal selected by the user according to the operation information of the user, and complete service handling for the user according to the service processing information.
In addition, in order to better understand the blockchain-based banking method according to the embodiment of the present invention, an overall implementation flow of the blockchain-based banking method according to the embodiment of the present invention is illustrated in fig. 5 below:
step 1: the ATM receives a business handling request submitted by a user;
step 2: the ATM sends an idle counter information acquisition request to a bank counter server in the blockchain according to the business handling request;
step 3: the bank counter server determines an idle counter terminal capable of handling the banking business corresponding to the banking business identifier from all nodes of the blockchain according to the banking business identifier and the user identity contained in the idle counter information acquisition request; generating idle counter information according to counter identification, position information, teller identification and teller business handling information of the idle counter terminal, and sending the idle counter information to the ATM;
step 4: the ATM receives the free counter information sent by the bank counter server according to the banking service identifier and provides the free counter information for the user;
Step 5: the ATM receives a counter identifier selected by the user according to the idle counter information;
step 6: the ATM sends the counter identification selected by the user to a bank counter server;
step 7: after receiving the counter identifier selected by the user and sent by the ATM, the bank counter server determines a counter terminal selected by the user according to the counter identifier selected by the user and sends a service processing instruction to the counter terminal selected by the user;
step 8: after receiving the business processing instruction sent by the bank counter server, the counter terminal sends an operation instruction to the ATM;
step 9: the ATM receives an operation instruction sent by the counter terminal and provides the operation instruction for a user;
step 10: the ATM receives operation information submitted by the user according to the operation instruction;
step 11: the ATM sends the operation information to the counter terminal;
step 12: the bank counter terminal generates business processing information according to the operation information and sends the business processing information to the bank counter server;
step 13: and the bank counter server processes the business processing information to complete business handling.
The embodiment of the invention also provides computer equipment, which comprises a memory, a processor and a computer program stored on the memory and capable of running on the processor, wherein the processor realizes the banking business handling method based on the block chain when executing the computer program.
The embodiment of the invention also provides a computer readable storage medium, wherein the computer readable storage medium stores a computer program, and the computer program realizes the banking business handling method based on the blockchain when being executed by a processor.
The embodiment of the invention also provides a computer program product, which comprises a computer program, wherein the computer program is executed by a processor to realize the banking business handling method based on the blockchain.
In an embodiment of the invention, the ATM performs the following method: receiving a business handling request submitted by a user; wherein, the business handling request carries a banking business identifier and an identity identifier of the user; according to the business handling request, sending an idle counter information acquisition request to a bank counter server in a blockchain; the free counter information acquisition request carries the banking service identifier and the identity identifier of the user; the bank counter server and each counter terminal are nodes in the block chain respectively; receiving idle counter information sent by a bank counter server according to the banking business identifier; wherein, the idle counter information comprises: counter identification and position information of the idle counter, counter identification corresponding to the idle counter and business handling information corresponding to the counter; providing idle counter information for a user, receiving counter identifiers selected by the user according to the idle counter information, and sending the counter identifiers selected by the user to a bank counter server so that the bank counter server can send business processing instructions to counter terminals corresponding to the counter identifiers selected by the user, wherein the business processing instructions carry bank business identifiers, the identity identifiers of the user and the equipment identifiers of the ATM; receiving a counter terminal corresponding to the counter identifier selected by the user, and sending an operation instruction after receiving the service processing instruction; providing the operation instruction for a user, and transmitting operation information submitted by the user according to the operation instruction to a counter terminal corresponding to the counter identifier selected by the user; and the counter terminal corresponding to the counter identifier selected by the user completes business handling for the user according to the operation information. Thus, the ATM can be connected with the counter terminals of all banking sites to help users to complete counter business handling on the ATM, and the ATM is used for realizing the allocation of counter resources of all banking sites, so that the allocation efficiency of the counter resources of the banks is improved, the resource waste is reduced, the business handling efficiency of the counter of the banks is improved, the queuing time of the users is shortened, and the user experience is improved.
In addition, the bank counter server, as a node of the blockchain, performs the following method: receiving an idle counter information acquisition request sent by an ATM; according to the banking service identification and the user identification contained in the free counter information acquisition request, determining a free counter terminal capable of handling banking service corresponding to the banking service identification from all nodes of the blockchain; generating idle counter information according to counter identification, position information, teller identification and teller business handling information of the idle counter terminal, and sending the idle counter information to the ATM; after receiving the counter identifier selected by the user and sent by the ATM, determining a counter terminal selected by the user according to the counter identifier selected by the user, and sending a service processing instruction to the counter terminal selected by the user; the business processing instruction carries a banking business identifier, an identity identifier of the user and a device identifier of the ATM; the counter terminal selected by the user sends an operation instruction to the ATM according to the service processing instruction, and the user sends operation information to the selected counter terminal by using the ATM according to the operation instruction; and receiving service processing information sent by the counter terminal selected by the user according to the operation information of the user, and completing service handling for the user according to the service processing information. Thus, the ATM can be connected with the counter terminals of all banking sites to help users to complete counter business handling on the ATM, and the ATM is used for realizing the allocation of counter resources of all banking sites, so that the allocation efficiency of the counter resources of the banks is improved, the resource waste is reduced, the business handling efficiency of the counter of the banks is improved, the queuing time of the users is shortened, and the user experience is improved.
It will be appreciated by those skilled in the art that embodiments of the present invention may be provided as a method, system, or computer program product. Accordingly, the present invention may take the form of an entirely hardware embodiment, an entirely software embodiment or an embodiment combining software and hardware aspects. Furthermore, the present invention may take the form of a computer program product embodied on one or more computer-usable storage media (including, but not limited to, disk storage, CD-ROM, optical storage, and the like) having computer-usable program code embodied therein.
The present invention is described with reference to flowchart illustrations and/or block diagrams of methods, apparatus (systems) and computer program products according to embodiments of the invention. It will be understood that each flow and/or block of the flowchart illustrations and/or block diagrams, and combinations of flows and/or blocks in the flowchart illustrations and/or block diagrams, can be implemented by computer program instructions. These computer program instructions may be provided to a processor of a general purpose computer, special purpose computer, embedded processor, or other programmable data processing apparatus to produce a machine, such that the instructions, which execute via the processor of the computer or other programmable data processing apparatus, create means for implementing the functions specified in the flowchart flow or flows and/or block diagram block or blocks.
These computer program instructions may also be stored in a computer-readable memory that can direct a computer or other programmable data processing apparatus to function in a particular manner, such that the instructions stored in the computer-readable memory produce an article of manufacture including instruction means which implement the function specified in the flowchart flow or flows and/or block diagram block or blocks.
These computer program instructions may also be loaded onto a computer or other programmable data processing apparatus to cause a series of operational steps to be performed on the computer or other programmable apparatus to produce a computer implemented process such that the instructions which execute on the computer or other programmable apparatus provide steps for implementing the functions specified in the flowchart flow or flows and/or block diagram block or blocks.
The foregoing description of the embodiments has been provided for the purpose of illustrating the general principles of the invention, and is not meant to limit the scope of the invention, but to limit the invention to the particular embodiments, and any modifications, equivalents, improvements, etc. that fall within the spirit and principles of the invention are intended to be included within the scope of the invention.
Claims (10)
1. A blockchain-based banking transaction method, characterized in that the method is applied to an ATM, the method comprising:
receiving a business handling request submitted by a user; wherein, the business handling request carries a banking business identifier and an identity identifier of the user;
according to the business handling request, sending an idle counter information acquisition request to a bank counter server in a blockchain; the free counter information acquisition request carries the banking service identifier and the identity identifier of the user; the bank counter server and each counter terminal are nodes in the block chain respectively;
receiving idle counter information sent by a bank counter server according to the banking business identifier; wherein, the idle counter information comprises: counter identification and position information of the idle counter, counter identification corresponding to the idle counter and business handling information corresponding to the counter;
providing idle counter information for a user, receiving counter identifiers selected by the user according to the idle counter information, and sending the counter identifiers selected by the user to a bank counter server so that the bank counter server can send business processing instructions to counter terminals corresponding to the counter identifiers selected by the user, wherein the business processing instructions carry bank business identifiers, the identity identifiers of the user and the equipment identifiers of the ATM;
Receiving a counter terminal corresponding to the counter identifier selected by the user, and sending an operation instruction after receiving the service processing instruction;
providing the operation instruction for a user, and transmitting operation information submitted by the user according to the operation instruction to a counter terminal corresponding to the counter identifier selected by the user; the counter terminal corresponding to the counter identifier selected by the user completes business handling for the user according to the operation information;
receiving a business handling request submitted by a user, comprising:
when detecting that a user inserts a bank card, acquiring account information of the bank card;
prompting the user to select a banking business identifier of a banking business to be transacted when a preset password corresponding to account information of the banking card is consistent with a password input by the user;
acquiring the identity of the user according to the account information;
and determining a business handling request submitted by the user according to the banking business identifier and the identity identifier.
2. The blockchain-based banking method of claim 1, wherein the teller's transaction information includes at least one of: the processed service identification of the processed service of the teller, the average processing time length and the processing times corresponding to each processed service respectively, and the evaluation information corresponding to each teller under each processed service respectively.
3. The blockchain-based banking transaction method of claim 1, wherein the operation instruction includes: a voice operation instruction; providing the operation indication to the user, comprising: playing the voice operation instruction to the user through a connected earphone;
and/or, the operation instruction comprises: a text operation instruction; providing the operation indication to the user, comprising: and displaying the text operation instruction on a graphical interactive interface of the ATM.
4. The blockchain-based banking method of claim 1, wherein the operational information includes at least one of: the user submits the signature information through the signature information acquisition device of the ATM, and the identity card image and the face image of the user are acquired by the image acquisition device on the ATM.
5. A blockchain-based banking transaction method, characterized by nodes applied to a blockchain, the nodes being a bank counter server, the method comprising:
receiving an idle counter information acquisition request sent by an ATM;
according to the banking service identification and the user identification contained in the free counter information acquisition request, determining a free counter terminal capable of handling banking service corresponding to the banking service identification from all nodes of the blockchain;
Generating idle counter information according to counter identification, position information, teller identification and teller business handling information of the idle counter terminal, and sending the idle counter information to the ATM;
after receiving the counter identifier selected by the user and sent by the ATM, determining a counter terminal selected by the user according to the counter identifier selected by the user, and sending a service processing instruction to the counter terminal selected by the user; the business processing instruction carries a banking business identifier, an identity identifier of the user and a device identifier of the ATM; the counter terminal selected by the user sends an operation instruction to the ATM according to the service processing instruction, and the user sends operation information to the selected counter terminal by using the ATM according to the operation instruction;
and receiving service processing information sent by the counter terminal selected by the user according to the operation information of the user, and completing service handling for the user according to the service processing information.
6. A blockchain-based banking transaction device, for use with an ATM, comprising:
the first receiving module is used for receiving a business handling request submitted by a user; wherein, the business handling request carries a banking business identifier and an identity identifier of the user;
The first sending module is used for sending an idle counter information acquisition request to a bank counter server in a block chain according to the business handling request; the free counter information acquisition request carries the banking service identifier and the identity identifier of the user; the bank counter server and each counter terminal are nodes in the block chain respectively;
the second receiving module is used for receiving idle counter information sent by the bank counter server according to the bank business identifier; wherein, the idle counter information comprises: counter identification and position information of the idle counter, counter identification corresponding to the idle counter and business handling information corresponding to the counter;
the first processing module is used for providing idle counter information for a user, receiving counter identifiers selected by the user according to the idle counter information, and sending the counter identifiers selected by the user to the bank counter server so that the bank counter server can send business processing instructions to counter terminals corresponding to the counter identifiers selected by the user, wherein the business processing instructions carry banking business identifiers, the identity identifiers of the user and the equipment identifiers of the ATM;
The second processing module is used for receiving the counter terminal corresponding to the counter identifier selected by the user and sending an operation instruction after receiving the service processing instruction;
the third processing module is used for providing the operation instruction for a user, and sending operation information submitted by the user according to the operation instruction to a counter terminal corresponding to the counter identifier selected by the user; the counter terminal corresponding to the counter identifier selected by the user completes business handling for the user according to the operation information;
the first receiving module is specifically used for acquiring account information of a bank card when detecting that a user inserts the bank card;
prompting the user to select a banking business identifier of a banking business to be transacted when a preset password corresponding to account information of the banking card is consistent with a password input by the user;
acquiring the identity of the user according to the account information;
and determining a business handling request submitted by the user according to the banking business identifier and the identity identifier.
7. The blockchain-based banking device of claim 6, wherein the operation instruction includes: a voice operation instruction; the third processing module is specifically configured to play the voice operation instruction to the user through a connected earphone;
And/or, the operation instruction comprises: a text operation instruction; and the third processing module is specifically used for displaying the text operation instruction on the graphical interactive interface of the ATM.
8. A blockchain-based banking transaction device, characterized by nodes applied to a blockchain, the nodes being a bank counter server, the device comprising:
a third receiving module for receiving an idle counter information acquisition request sent by the ATM;
the fourth processing module is used for determining an idle counter terminal capable of handling the banking business corresponding to the banking business identifier from all nodes of the blockchain according to the banking business identifier and the identity identifier of the user contained in the idle counter information acquisition request;
the free counter information generation module is used for generating free counter information according to counter identification, position information, teller identification and teller business handling information of the free counter terminal and sending the free counter information to the ATM;
the second sending module is used for determining a counter terminal selected by a user according to the counter identifier selected by the user after receiving the counter identifier selected by the user and sent by the ATM, and sending a service processing instruction to the counter terminal selected by the user; the business processing instruction carries a banking business identifier, an identity identifier of the user and a device identifier of the ATM; the counter terminal selected by the user sends an operation instruction to the ATM according to the service processing instruction, and the user sends operation information to the selected counter terminal by using the ATM according to the operation instruction;
And the fifth processing module is used for receiving service processing information sent by the counter terminal selected by the user according to the operation information of the user, and completing service handling for the user according to the service processing information.
9. A computer device comprising a memory, a processor and a computer program stored on the memory and executable on the processor, characterized in that the processor implements the method of any of claims 1 to 5 when executing the computer program.
10. A computer readable storage medium, characterized in that the computer readable storage medium stores a computer program which, when executed by a processor, implements the method of any of claims 1 to 5.
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