CN101383067B - Bank counter transaction process implementing method, transaction system and customer terminal - Google Patents

Bank counter transaction process implementing method, transaction system and customer terminal Download PDF

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Publication number
CN101383067B
CN101383067B CN2008102245188A CN200810224518A CN101383067B CN 101383067 B CN101383067 B CN 101383067B CN 2008102245188 A CN2008102245188 A CN 2008102245188A CN 200810224518 A CN200810224518 A CN 200810224518A CN 101383067 B CN101383067 B CN 101383067B
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Prior art keywords
transaction
bank counter
client terminal
information
client
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CN2008102245188A
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CN101383067A (en
Inventor
刘学
韦运龙
吴万基
黄国柱
胡德保
文智勇
黄宁
刘柱棠
谢雪梅
何志红
周保军
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China Construction Bank Corp
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China Construction Bank Corp
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Abstract

The invention relates to a realizing method for a bank counter transaction process, a bank counter transaction system and a client terminal. The method comprises the following steps: the bank counter transaction system receives input transaction information and executes transaction operation; corresponding operation information is acquired and transmitted to the client terminal for display; a transaction confirmation prompt is displayed on the client terminal; when receiving confirmation prompt input into the client terminal, the sequent treatment of the transaction operation is executed. The transaction system comprises a counter terminal interface, a client terminal interface, an executing module, an acquisition module and a confirmation module. The client terminal comprises a system interface, an information prompt module and an information input module. The transaction system and the client terminal are cooperated to execute the realizing method for a bank counter transaction process. In the invention, the operation information which is carried out by a bank dealer serving a client is displayed on the client terminal and is confirmed by the client so that the client has an acknowledge right and a transaction monitoring right. The invention can avoid the violation operation of dealers, decreases the operation risk, and improves the transaction experiences of clients.

Description

Bank counter transaction process implementation method, transaction system and client terminal
Technical field
The present invention relates to the information processing technology in the bank counter transaction system, relate in particular to a kind of bank counter transaction process implementation method, bank counter transaction system and client terminal.
Background technology
In the transaction of bank counter transacting business is the important component part that most of people and company carry out the financial transaction activity.Existing counter service transaction is handled flow process and is generally: the teller obtains the media of exchange from the customers' place, be bankbook or card etc., and obtain element of transaction, as account sequence number, type of transaction etc., the teller is input to element of transaction in the bank counter transaction system by the sales counter lateral terminal and concludes the business, and the family signature of entertaining guests after transaction is finished is confirmed.In above-mentioned commercial bank's transaction, this notion of operational risk more and more comes into one's own, new Basel Agreement is defined as operational risk because internal processes, personnel, the impact of the inadequate or external event of system etc. causes the directly or indirectly possibility risk of loss, and operational risk classified as and credit risk, one of three big risks that the market risk is arranged side by side, in the risk management framework of having included the measurement and the management of operational risk in financial institution, requiring commercial bank is that operational risk disposes corresponding capital level, to impel commercial bank to strengthen Operational Risk Management, improve and resist risk ability.The attention degree to operational risk has also generally improved in theoretical circles and commercial bank, has strengthened research and management to operational risk.
In recent years, in case and the serious incident in violation of rules and regulations that commercial bank individual mesh points sales counter takes place, commercial bank's economy was sustained a loss and bank's image was exerted a certain influence.Wherein violation case in the inside of a large portion generally has following feature:
1, the crime teller handles deposit, withdraws the money or during transferred account service for the client, serves as to make an excuse to gain the client by cheating and repeat to input password and account is done illegally withdrawn the money, transfer accounts or prop up extract operation in advance with client's input error account password;
Although there is monitoring camera-shooting equipment 2 bank agencies, the carrying out that the crime teller still can be calm deposited operation to private account void, and the teller who sees from video recording operates and handles general service and has no difference.Because the teller manages void by oneself and deposits operations such as the operation of the account amount of money and other common inquiry, login and do not have obviously difference, institute performs practically no function so that site monitoring camera-shooting equipment has no deterrent force for the crime teller.
Therefore, existing bank counter trading scheme exists leak technically, has increased the operational risk degree, and this is an existing bank operating system problem anxious to be solved.
Summary of the invention
The purpose of this invention is to provide a kind of bank counter transaction process implementation method, bank counter transaction system and client terminal, utilize bank transaction information to carry out the possibility of violation operation to reduce the teller, optimize the bank service flow process, improve the reliability of bank counter business transaction, reduce operational risk, improve customer experience.
For achieving the above object, the invention provides a kind of bank counter transaction process implementation method, comprising:
Step 100, bank counter transaction system receive the Transaction Information of input, and carry out the transaction operation according to described Transaction Information;
When step 210, described bank counter transaction system are carried out in described transaction operation, described Transaction Information and described transaction operated in the event base mate, when matching consistent incident, obtain corresponding operation information;
Step 220, described bank counter transaction system are transferred to client terminal with described operation information and show;
Step 300, described bank counter transaction system send to described client terminal with transaction confirmation prompt and show;
Step 400, when described bank counter transaction system receives the affirmation indication of client by client terminal input, carry out the subsequent treatment of described transaction operation;
Step 500, described bank counter transaction system send to described client terminal with the satisfaction option information and show;
Step 600, when described bank counter transaction system receives the satisfaction option of client input, described satisfaction option is recorded in the database;
Described bank counter transaction system also is transferred to advertising message described client terminal and shows.
For achieving the above object, the present invention also provides a kind of bank counter transaction system, comprising:
The teller terminal interface links to each other with teller terminal;
The client terminal interface links to each other with client terminal;
Execution module links to each other with described client terminal interface with described teller terminal interface, is used to receive the Transaction Information of input, and carries out the transaction operation according to described Transaction Information;
Acquisition module links to each other with described client terminal interface with described execution module, is used for obtaining corresponding operation information when described transaction operation is carried out, and described operation information is transferred to client terminal by described client terminal interface shows;
Confirm module, link to each other with described client terminal interface with described execution module, being used for that transaction confirmation prompt is sent to described client terminal by described client terminal interface shows, and when described client terminal interface receives the affirmation indication of client by client terminal input, control the subsequent treatment that described execution module is carried out described transaction operation;
The incident memory module links to each other with described acquisition module, is used to store event base;
Described acquisition module comprises:
Collecting unit links to each other with described execution module, is used for gathering described Transaction Information and described transaction operation when described transaction operation is carried out;
Matching unit links to each other with described incident memory module with described collecting unit, and the event base that is used for described Transaction Information and described transaction are operated in described incident memory module mates, and obtains corresponding operation information when matching consistent incident;
Described bank counter transaction system also comprises: be used for that the satisfaction option information is sent to described client terminal and show, and when described bank counter transaction system receives the satisfaction option of client input, described satisfaction option is recorded module in the database; Be used for advertising message is transferred to the module that described client terminal shows.
For achieving the above object, the present invention provides a kind of client terminal again, comprising:
System interface links to each other with bank counter transaction system, is used for when described bank counter transaction system is carried out the transaction operation and described bank counter transaction system interactive information;
The information indicating module, link to each other with described system interface, be used to receive operation information and the reception transaction confirmation prompt that described bank counter transaction system gets access to when described transaction operation is carried out, and the indication of described operation information and described trade confirmation shown, wherein, when described bank counter transaction system is carried out in described transaction operation, described Transaction Information and described transaction operated in the event base mate, when matching consistent incident, obtain corresponding described operation information, show so that be transferred to client terminal, also be used for satisfaction option information and advertising message that bank counter transaction system sends are shown;
MIM message input module, link to each other with described system interface, be used to receive the affirmation indication of client's input, and described affirmation indication is transferred to described bank counter transaction system to finish the subsequent treatment of described transaction operation, also be used to receive the satisfaction option of client's input and offer described bank counter transaction system and carry out record.
By above technical scheme as can be known, the present invention is shown to the client with the operation information in the bank counter trading operating process by client terminal, makes the client have right to know to the transaction operation, and can confirm as the prerequisite of finishing transaction by the final of client.Whether use above-mentioned technological means, the client controls the transaction operation that bank counter transaction system carries out to the teller and can exercise supervision, and determine deal and come into force, thereby can avoid teller's violation operation, reduces operational risk.
Description of drawings
Fig. 1 is the process flow diagram of bank counter transaction process implementation method first embodiment of the present invention;
Fig. 2 is the process flow diagram of bank counter transaction process implementation method second embodiment of the present invention;
Fig. 3 is the process flow diagram of bank counter transaction process implementation method the 3rd embodiment of the present invention;
Fig. 4 is the structural representation of bank counter transaction system embodiment of the present invention;
Fig. 5 is the structural representation of client terminal embodiment of the present invention.
Embodiment
Also in conjunction with the accompanying drawings the present invention is described in further detail below by specific embodiment.
Bank counter transaction process implementation method of the present invention mainly comprises the steps:
Step 100, bank counter transaction system receive the Transaction Information of input, and carry out the transaction operation according to Transaction Information;
Step 200, bank counter transaction system are obtained corresponding operation information when the transaction operation is carried out, and operation information is transferred to client terminal shows;
Step 300, bank counter transaction system send to client terminal with transaction confirmation prompt and show;
Step 400, when bank counter transaction system receives the affirmation indication of client by client terminal input, carry out the subsequent treatment that this transaction is operated.
Bank counter transaction process implementation method of the present invention is mainly cooperated by bank counter transaction system and client terminal and realizes.Bank counter transaction system is arranged on system's backstage side, can carry out software function optimization by original bank counter transaction system and realize.Client terminal is arranged on the terminal device of sales counter side, and its size can similar existing PIN PAD etc., and client terminal has a display screen at least.Associative operation information when bank counter transaction system will be concluded the business operation is shown to the client terminal of front end, so that offer the client, allow the client that the progress of transaction is had right to know, thereby supervisory role is played in the operation to the teller, can avoid the generation of violation operation phenomenon, improve the reliability of over-the-counter trading business.
Bank counter transaction process implementation method first embodiment
Be illustrated in figure 1 as the process flow diagram of bank counter transaction process implementation method first embodiment of the present invention.The implementation method of present embodiment comprises the steps that wherein step 100 is specially execution in step 110a and 120a:
Step 110a, bank counter transaction system receive the Transaction Information of teller by the teller terminal input, wherein, Transaction Information can comprise account sequence number, account password, type of transaction and dealing money etc., and Transaction Information also can carry out importing as required in the process in the transaction operation;
Step 120a, bank counter transaction system are according to the Transaction Information operation of concluding the business accordingly.In this step, Transaction Information is the basis that bank counter transaction system is triggered and begins to conclude the business operation, when the teller gets access to the media of exchange there from the client, for example bankbook or when card, the account sequence number of media of exchange carrying can be input to counter terminal, be transferred to bank counter transaction system again, input simultaneously also may comprise the account password of knowing from customers' place inquiry, type of transaction, Transaction Informations such as dealing money, this is the operation that has common input Transaction Information now, and the server on bank counter transaction system backstage can begin to carry out corresponding transaction operation according to the Transaction Information of input;
Step 200, bank counter transaction system are obtained corresponding operation information when this transaction operation is carried out, and operation information is transferred to client terminal shows.Concrete, bank counter transaction system can be carried out following operation and obtain and display operation information:
When step 210, bank counter transaction system are carried out in this transaction operation, gather above-mentioned Transaction Information and/or transaction operation as the operation key message, gathering the transaction operation specifically can be to gather to carry out action, then Transaction Information and/or transaction are operated in the default event base and mate, when matching consistent incident, obtain default, corresponding operation information.In this step, generally can store default a plurality of list of things and events corresponding callback procedure in bank counter transaction system or in its database that links to each other as event base, so that mate when getting access to the operation key message, after matching consistent incident, call the decision of events corresponding callback procedure and show which operation information, can also determine to show by what mode or form.For example, when the operation code in extracting the operation key message is " 1111 ", can in list of thing, mate, when matching a corresponding incident, corresponding event call-back program can indicate this action type to be " deposit ", and indication corresponding " deposit " transaction, should show that account sequence number and amount deposited are as operation information, the transaction if " withdraw the money ", event call-back program can further be indicated and should be pointed out the user to import account password etc.
Step 220, bank counter transaction system are transferred to client terminal with operation information and show;
Step 300, bank counter transaction system send to client terminal with transaction confirmation prompt and show, promptly generally after display operation information, the transaction operation can demonstrate the prompting of " affirmation " or " cancellation " before finishing on screen, prompting customer selecting button;
Step 400, when bank counter transaction system receives the affirmation indication of client by client terminal input, carry out the subsequent treatment of transaction operation, if receive the cancellation indication of client's input, then stop the execution of transaction operation.
Aforesaid operations can guarantee the right to know of client to bank transaction, and the client can have directly alternately with bank counter transaction system, and under the prerequisite that the client confirms, the performed transaction operation of bank counter transaction system could finally come into force.Obviously, the client can exercise supervision to whole transaction operation, avoids the phenomenon of teller's violation operation to take place, and has improved the reliability of bank counter trading business.
Bank counter transaction process implementation method second embodiment
Be illustrated in figure 2 as the process flow diagram of bank counter transaction process implementation method second embodiment of the present invention.The difference of present embodiment and above-mentioned first embodiment is, bank counter transaction system and client terminal have not only played the effect to the client's display operation information and the indication of accepting confirmation, also before transaction operation is carried out or among, carry out mutual channel for the client provides with bank counter transaction system.Present embodiment is specially carries out following step, and wherein step 100 is specially execution in step 110b~130b:
Step 110b, bank counter transaction system send to client terminal with the Transaction Information input prompt and show, so-called Transaction Information input prompt can be different promptings in the process that transaction is carried out, bank counter transaction system can be according to default list of thing, calls the event call-back program and carries out progressively demonstration.For example, according to list of thing, before not carrying out any transaction operation, can at first point out the customer selecting type of transaction; When customer selecting after the type of transaction, promptly imported operation code to bank counter transaction system, bank counter transaction system matches after the events corresponding, can display reminding information according to list of thing, import account sequence number, account password and dealing money etc. to be transacted with the prompting client.According to the type of transaction difference of customer selecting, list of thing and the determined information of event call-back program thereof are also inequality;
Step 120b, bank counter transaction system receive the Transaction Information of client by the client terminal input.Wherein, Transaction Information can comprise account sequence number, account password, type of transaction and dealing money etc.;
Step 130b, bank counter transaction system are carried out corresponding transaction operation according to Transaction Information;
Step 200, bank counter transaction system are obtained corresponding operation information when the transaction operation is carried out, and operation information is transferred to client terminal shows;
Step 300, bank counter transaction system send to client terminal with transaction confirmation prompt and show, promptly after display operation information, can demonstrate the prompting of " affirmation " or " cancellation " on screen, prompting customer selecting button;
Step 400, when bank counter transaction system receive the client by client terminal input affirmation or during the cancellation indication, the subsequent treatment of the operation of concluding the business or stop the execution of transaction operation.
In the present embodiment, bank counter transaction system conclude the business the operation needed Transaction Information can import by client terminal by the client.Bank counter transaction system can at first show the Transaction Information input prompt on the screen of client terminal, the guiding client progressively imports transaction and operates information needed.The technical scheme of present embodiment not only makes the client can supervise the carrying out of whole transaction operation, and the client can be participated directly among the transaction operation, has avoided the leakage of Transaction Information, has also avoided the dispute that causes because of teller's maloperation.
In the present embodiment, Transaction Information can be imported by client terminal by the client, Transaction Information is imported by teller terminal by the teller after can informing the teller by the client in first embodiment, during concrete the application, Transaction Information can adopt above-mentioned any-mode or can be that dual mode combines and finishes the input of Transaction Information, the formulation of specific strategy can be determined according to the needs of actual conditions, for example can consider time cost, client's factors such as electronic product functipnal capability.
Bank transaction information reminding method the 3rd embodiment
Be illustrated in figure 3 as the process flow diagram of bank counter transaction process implementation method the 3rd embodiment of the present invention.Present embodiment is also further carried out following step after step 400 is finished the transaction operation on the basis of the foregoing description:
Step 500, bank counter transaction system send to client terminal with the satisfaction option information and show;
Step 600, when bank counter transaction system receives the satisfaction option of client input, record the satisfaction option in the database or carry out ASSOCIATE STATISTICS.
In the present embodiment, bank counter transaction system not only realizes and customer interaction operation information and Transaction Information, can also have the function of customer satisfaction survey concurrently, after closing the transaction, shows that to the client satisfaction option is for customer selecting.The satisfaction of client input or option information such as dissatisfied can write down or statistical operation, so that as bank counter transaction system and the improved foundation of bank service.
On the basis of the various embodiments described above, bank counter transaction system not only can show the information relevant with this transaction to the client, can also show advertising messages such as bank financing introduction to the client.After display operation information or between or after the closing the transaction or in the specific region of screen, bank counter transaction system is transferred to client terminal with advertising message and shows.
In concrete the application, adopt a kind of preferable implementation of bank counter transaction process implementation method of the present invention to comprise the steps:
Step 1, client arrive the bank counter transacting business, provide the Transaction Information of transacting business to the teller, and provide and obtain the media of exchange, comprise bankbook, card and cash etc.;
Step 2, teller are entered into the operation of concluding the business in the bank counter transaction system with Transaction Information by teller terminal;
Acquisition operations information when step 3, bank counter transaction system are carried out in the transaction operation, the indication client terminal shows information such as account sequence number, name in an account book, and the prompting client imports account password, the amount of money to be transacted;
Step 4, client are by the client terminal input account password and the amount of money to be transacted;
Step 5, bank counter transaction system are proceeded the transaction operation according to the account password and the amount of money to be transacted of input, and continue acquisition operations information, and give the client and point out the client to import whether confirm the trade confirmation indication of concluding the business by client terminal display operation information;
After step 6, client imported the trade confirmation indication, bank counter transaction system came into force transaction results;
Step 7, print client's affirmation of on set of hanging scrolls, signing with bar;
Step 8, client terminal show to conclude the business finishes state;
Step 9, closing the transaction, client terminal display device playing advertisements.
Bank counter transaction system embodiment
Be illustrated in figure 4 as the structural representation of bank counter transaction system embodiment of the present invention.The concrete structure of the bank counter transaction system 20 of present embodiment comprises as shown in Figure 4: teller terminal interface 21, client terminal interface 22, execution module 23, acquisition module 24 and affirmation module 25.Wherein, teller terminal interface 21 links to each other with teller terminal 30; Client terminal interface 22 links to each other with client terminal 40; Execution module 23 links to each other with client terminal interface 22 with teller terminal interface 21, be used to receive the Transaction Information of input, and carry out transaction according to Transaction Information and operate, Transaction Information can be that the teller passes through teller terminal 30 inputs, also can be that the client passes through client terminal 40 inputs; Acquisition module 24 links to each other with client terminal interface 22 with execution module 23, is used for obtaining corresponding operation information when transaction operation is carried out, and operation information is transferred to client terminal 40 by client terminal interface 22 shows; Confirm that module 25 links to each other with client terminal interface 22 with execution module 23, being used for that transaction confirmation prompt is sent to client terminal 40 by client terminal interface 22 shows, and when client terminal interface 22 receives the affirmation indication of client by client terminal 40 input, control and executive module 23 is carried out the subsequent treatment of transaction operation, and wherein transaction confirmation prompt can be that execution module 23 produces in the process of carrying out the transaction operation.
On the basis of present embodiment, one incident memory module 50 can also be set, incident memory module 50 can be integrated in the bank counter transaction system 20, also can independently be provided with and keeps linking to each other with the acquisition module 24 of bank counter transaction system 20, carries out data interaction.This incident memory module 50 is used to store event base, specifically can store list of thing and event call-back program thereof.Simultaneously, this acquisition module 24 specifically comprises: collecting unit 241 and matching unit 242.Wherein, collecting unit 241 links to each other with execution module 23, is used for gathering Transaction Information and/or transaction operation when the transaction operation is carried out; Matching unit 242 links to each other with incident memory module 50 with collecting unit 241, and the event base that is used for Transaction Information and/or transaction are operated in incident memory module 50 mates, and obtains corresponding operation information when matching consistent incident.
Bank counter transaction system of the present invention can be carried out the technical scheme of the arbitrary embodiment of bank counter transaction process implementation method of the present invention, the associative operation information that can show the transaction operation to the client, make the client have right to know, transaction is exercised supervision, avoid the generation of case in violation of rules and regulations.
Client terminal embodiment
Be illustrated in figure 5 as the structural representation of client terminal specific embodiment of the present invention.This client terminal 40 comprises: system interface 41, information indicating module 42 and MIM message input module 43.Wherein, system interface 41 links to each other with bank counter transaction system 20, is used for when bank counter transaction system 20 is carried out the transaction operation and bank counter transaction system 20 interactive information; Information indicating module 42 links to each other with system interface 41, is used to receive operation information and the reception transaction confirmation prompt that bank counter transaction system 20 gets access to when the transaction operation is carried out, and operation information and trade confirmation indication are shown; MIM message input module 43 links to each other with system interface 41, is used to receive the affirmation indication of client's input, and will confirm that indication is transferred to bank counter transaction system 20 to finish the subsequent treatment of transaction operation.
On the basis of present embodiment, this client terminal 40 can also comprise a voice cue module 44, links to each other with information indicating module 42, is used for operation information and trade confirmation indication are converted to voice messaging, and plays to the client.
In concrete the application, the said system interface can be by assisting serial ports or USB (universal serial bus) (Universal Serial BUS with teller terminal on hardware; Hereinafter to be referred as: USB) interface links to each other and is connected on the bank counter transaction system, carries out message exchange; The information indicating module can be a display screen, and MIM message input module can be a keyboard.This display screen also can be touch-screen, and information indicating module and MIM message input module are integrated, and has the function of display message and reception client input information concurrently.Perhaps, information indicating module and MIM message input module also can integrate, and are made up of buttons such as display screen, numeral or options, and display screen is used to carry out information and shows, button is used to receive the information of client's input.Button can be set at has the setting meaning, and for example " trade confirmation " and " transaction refusal " also can have corresponding meaning in conjunction with the information of display screen demonstration, for example, confirms the shown information of current screen.
Bank counter transaction system that the present invention is above-mentioned and client terminal can be used, and can finish the technical scheme of the arbitrary embodiment of bank counter transaction process implementation method of the present invention.In concrete the application, bank counter transaction system of the present invention and client terminal can be realized based on existing bank counter transaction system.The backstage side comprises in system: the server that is used to handle the Transaction Information prompting that is provided with teller terminal interface, client terminal interface, execution module, acquisition module and affirmation module at least; The incident stored data bases of storage list of thing and event call-back program etc., database can link to each other with server, time, content and the form etc. that are used to indicate the client terminal of front end to show.
Bank counter transaction process implementation of the present invention, can handle the client key message of transaction by technological means, for example information such as type of transaction, account sequence number, transaction results are shown to the client, can fully guarantee client's professional right to know, stop the possibility that the teller gains account password by cheating.And client terminal can integrate with the password figure keyboard, has also increased by the client is last to confirm whether current transaction submits the link of the professional main frame of backstage bank counter transaction system to, therefore can avoid the generation of case in violation of rules and regulations, reduces operational risk.
In the bank counter transaction process implementation of the present invention, client terminal can also be integrated the customer satisfaction Function of Evaluation except integrating with code keypad.The operation information that not only can show teller's transacting business synchronously can also be done the usefulness of traditional code keypad, can also gather client's satisfaction feedback information in addition, saves the foreground equipment investment to greatest extent, saves counter space.
Realized mutual between client and the bank counter transaction system by client terminal and improved bank counter transaction system, the client can initiatively participate in handling in the process of transaction, not only can supervise the carrying out of transaction, can also import information such as account sequence number, account password, type of transaction, dealing money by client terminal, also will submit at last and confirm so that finish the transaction operation.Therefore, whole transaction needs client's participation finally to finish, and the teller can not carry out client institute consignment trade other transaction in addition.Key factor in Transaction Information when for example account password, dealing money etc. are imported by the client, also can effectively solve problems such as leakage of information and maloperation dispute in practice.
One of ordinary skill in the art will appreciate that: all or part of step that realizes said method embodiment can be finished by the relevant hardware of programmed instruction, aforesaid program can be stored in the computer read/write memory medium, this program is carried out the step that comprises said method embodiment when carrying out; And aforesaid storage medium comprises: various media that can be program code stored such as ROM, RAM, magnetic disc or CD.
It should be noted that at last: above embodiment only in order to technical scheme of the present invention to be described, is not intended to limit; Although with reference to previous embodiment the present invention is had been described in detail, those of ordinary skill in the art is to be understood that: it still can be made amendment to the technical scheme that aforementioned each embodiment put down in writing, and perhaps part technical characterictic wherein is equal to replacement; And these modifications or replacement do not make the essence of appropriate technical solution break away from the spirit and scope of various embodiments of the present invention technical scheme.

Claims (6)

1. a bank counter transaction process implementation method is characterized in that, comprising:
Step 100, bank counter transaction system receive the Transaction Information of input, and carry out the transaction operation according to described Transaction Information;
When step 210, described bank counter transaction system are carried out in described transaction operation, described Transaction Information and described transaction operated in the event base mate, when matching consistent incident, obtain corresponding operation information;
Step 220, described bank counter transaction system are transferred to client terminal with described operation information and show;
Step 300, described bank counter transaction system send to described client terminal with transaction confirmation prompt and show;
Step 400, when described bank counter transaction system receives the affirmation indication of client by client terminal input, carry out the subsequent treatment of described transaction operation;
Step 500, described bank counter transaction system send to described client terminal with the satisfaction option information and show;
Step 600, when described bank counter transaction system receives the satisfaction option of client input, described satisfaction option is recorded in the database;
Described bank counter transaction system also is transferred to advertising message described client terminal and shows.
2. bank counter transaction process implementation method according to claim 1 is characterized in that, described step 100 is specially:
Step 110a, described bank counter transaction system receive the Transaction Information of teller by the teller terminal input;
Step 120a, described bank counter transaction system are carried out the transaction operation according to described Transaction Information.
3. bank counter transaction process implementation method according to claim 1 is characterized in that, described step 100 is specially:
Step 110b, described bank counter transaction system send to described client terminal with the Transaction Information input prompt and show;
Step 120b, described bank counter transaction system receive the Transaction Information of client by described client terminal input;
Step 130b, described bank counter transaction system are carried out the transaction operation according to described Transaction Information.
4. a bank counter transaction system is characterized in that, comprising:
The teller terminal interface links to each other with teller terminal;
The client terminal interface links to each other with client terminal;
Execution module links to each other with described client terminal interface with described teller terminal interface, is used to receive the Transaction Information of input, and carries out the transaction operation according to described Transaction Information;
Acquisition module links to each other with described client terminal interface with described execution module, is used for obtaining corresponding operation information when described transaction operation is carried out, and described operation information is transferred to client terminal by described client terminal interface shows;
Confirm module, link to each other with described client terminal interface with described execution module, being used for that transaction confirmation prompt is sent to described client terminal by described client terminal interface shows, and when described client terminal interface receives the affirmation indication of client by client terminal input, control the subsequent treatment that described execution module is carried out described transaction operation; The incident memory module links to each other with described acquisition module, is used to store event base;
Described acquisition module comprises:
Collecting unit links to each other with described execution module, is used for gathering described Transaction Information and described transaction operation when described transaction operation is carried out;
Matching unit links to each other with described incident memory module with described collecting unit, and the event base that is used for described Transaction Information and described transaction are operated in described incident memory module mates, and obtains corresponding operation information when matching consistent incident;
Described bank counter transaction system also comprises: be used for that the satisfaction option information is sent to described client terminal and show, and when described bank counter transaction system receives the satisfaction option of client input, described satisfaction option is recorded module in the database; Be used for advertising message is transferred to the module that described client terminal shows.
5. a client terminal is characterized in that, comprising:
System interface links to each other with bank counter transaction system, is used for when described bank counter transaction system is carried out the transaction operation and described bank counter transaction system interactive information;
The information indicating module, link to each other with described system interface, be used to receive operation information and the reception transaction confirmation prompt that described bank counter transaction system gets access to when described transaction operation is carried out, and the indication of described operation information and described trade confirmation shown, wherein, when described bank counter transaction system is carried out in described transaction operation, described Transaction Information and described transaction operated in the event base mate, when matching consistent incident, obtain corresponding described operation information, show so that be transferred to client terminal, also be used for satisfaction option information and advertising message that bank counter transaction system sends are shown;
MIM message input module, link to each other with described system interface, be used to receive the affirmation indication of client's input, and described affirmation indication is transferred to described bank counter transaction system to finish the subsequent treatment of described transaction operation, also be used to receive the satisfaction option of client's input and offer described bank counter transaction system and carry out record.
6. client terminal according to claim 5 is characterized in that, also comprises:
Voice cue module links to each other with described information indicating module, is used for described operation information and the indication of described trade confirmation are converted to voice messaging, and plays to the client.
CN2008102245188A 2008-10-17 2008-10-17 Bank counter transaction process implementing method, transaction system and customer terminal Expired - Fee Related CN101383067B (en)

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CN102053872B (en) * 2009-11-06 2013-11-20 中国银联股份有限公司 Method for testing transaction performance of terminal
CN102306365A (en) * 2010-07-06 2012-01-04 福建升腾资讯有限公司 Method for financial transaction of bank counter
CN104112229A (en) * 2014-06-09 2014-10-22 中国建设银行股份有限公司 Transaction information interaction apparatus, system and method
CN106485504A (en) * 2015-08-12 2017-03-08 阿里巴巴集团控股有限公司 A kind of method and apparatus differentiated by operation behavior to customer service
CN105205385B (en) * 2015-09-09 2018-07-03 中国银行股份有限公司 A kind of business operation authorization method and system
CN109300037B (en) * 2018-09-28 2021-07-30 中国银行股份有限公司 Transaction progress display method and device

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