CN104809646A - Financial self-service business handling method and system - Google Patents
Financial self-service business handling method and system Download PDFInfo
- Publication number
- CN104809646A CN104809646A CN201510198648.9A CN201510198648A CN104809646A CN 104809646 A CN104809646 A CN 104809646A CN 201510198648 A CN201510198648 A CN 201510198648A CN 104809646 A CN104809646 A CN 104809646A
- Authority
- CN
- China
- Prior art keywords
- self
- available
- resources
- service terminal
- banknote
- Prior art date
- Legal status (The legal status is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the status listed.)
- Pending
Links
- 238000000034 method Methods 0.000 title claims abstract description 23
- 230000010354 integration Effects 0.000 claims description 33
- 238000012545 processing Methods 0.000 claims description 14
- 238000003672 processing method Methods 0.000 claims description 9
- 230000002596 correlated effect Effects 0.000 abstract 4
- 230000008569 process Effects 0.000 description 9
- 238000010586 diagram Methods 0.000 description 6
- 230000004048 modification Effects 0.000 description 2
- 238000012986 modification Methods 0.000 description 2
- 238000006467 substitution reaction Methods 0.000 description 2
- 238000012795 verification Methods 0.000 description 2
- 230000008859 change Effects 0.000 description 1
- 238000012790 confirmation Methods 0.000 description 1
- 230000006872 improvement Effects 0.000 description 1
- 230000000750 progressive effect Effects 0.000 description 1
Landscapes
- Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)
Abstract
The invention discloses a financial self-service business handling method and system. The method includes acquiring a business request of a user, wherein the business request corresponds to a note distribution requirement, when usable note resources of the self-service terminal that the user logs in cannot meet the note distribution requirement, integrating usable note resources of at least one correlated self-service terminal, acquiring a note distribution scheme according to the usable note resources of at least one correlated self-service terminal, or integrating the usable note resources of the self-service terminal that the user logs in and the usable note resources of at least one correlated self-service terminal and acquiring the note distribution scheme according to the usable note resources of the self-service terminal that the user logs in and at least one correlated self-service terminal. By means of the technical scheme, the usable note resources of the self-service terminals can be effectively coordinated to provide service for the user.
Description
Technical Field
The invention relates to the technical field of computers, in particular to a financial self-service business processing method and system.
Background
The existing financial self-service business processing systems are all that self-service terminals logged in by users are designated to provide services for the users, business cooperation and resource sharing cannot be realized among the self-service terminals, when available banknote resources on one self-service terminal cannot meet the business requirements of the users, the self-service terminals report business failures, even if the available banknote resources on other self-service terminals can meet the business requirements of the users independently, or can cooperate with the self-service terminals logged in by the users to meet the business requirements of the users, and the prior art scheme still cannot utilize the available banknote resources of the other self-service terminals to provide services for the users. For example, in a financial self-service business network, the self-service terminal a only has 4000 available banknotes, the self-service terminal b only has 4500 available banknotes, and the current user logs in the self-service terminal a and requires 5000 banknotes for withdrawal, according to the prior art, because the self-service terminal a and the self-service terminal b can not provide 5000 banknotes for the user independently, the user can not finish 5000 banknotes for withdrawal. Meanwhile, the user does not know the condition of the residual bills of the respective assistant terminal, and is difficult to carry out automatic collocation and withdrawal to finish the withdrawal requirement.
In summary, in the conventional financial self-service business processing systems, based on available banknote resources of self-service terminals that users log in, one self-service terminal provides services for users independently, but cooperation and allocation cannot be performed among multiple self-service terminals, and the available banknote resources of the respective self-service terminals cannot be fully utilized to provide services for the users.
Disclosure of Invention
In view of this, embodiments of the present invention provide a financial self-service processing method and system, which can effectively coordinate available banknote resources of each self-service terminal to provide services for users.
In a first aspect, an embodiment of the present invention provides a financial self-service business processing method, including:
acquiring a service request of a user, wherein the service request corresponds to a money distribution requirement;
when available bank note resources of the self-service terminal logged in by the user cannot meet the bank note distribution requirement, the available bank note resources of at least one associated self-service terminal are integrated, a bank note distribution scheme is obtained according to the available bank note resources of the at least one associated self-service terminal, or the available bank note resources of the self-service terminal logged in by the user are integrated, the available bank note resources of the at least one associated self-service terminal are integrated, the available bank note resources of the self-service terminal logged in by the user are obtained, and the bank note distribution scheme is obtained according to the available bank note resources of the self-service terminal logged in by the user and the available bank note resources.
Optionally, the integrating available banknote resources of at least one associated self-service terminal specifically includes:
if the available banknote resources of one associated self-service terminal meet the banknote distribution requirement, integrating the available banknote resources of the associated self-service terminal; or,
and if the available banknote resources of the at least two associated self-service terminals meet the banknote distribution requirement, integrating the available banknote resources of the at least two associated self-service terminals.
Optionally, the integrating available banknote resources of at least one associated self-service terminal includes:
when the money distribution amount A required by money distribution is larger than the maximum available amount B of the self-service terminal logged in by the user, acquiring available money resources of the associated self-service terminal with the maximum available amount not less than A-B for integration; or,
when the money distribution amount required by the money distribution cannot be divided by the maximum common divisor of the available denominations of the self-service terminals logged in by the users, and the money distribution error exceeds a preset limit to cause the failure of money distribution, acquiring available money resources of the associated self-service terminals with at least one different available denominations with the self-service terminals logged in by the users for integration; or,
when the number N of the bank notes with the specific available denomination of the self-service terminal logged in by the user does not meet the number M of the bank notes with the specific denomination of the bank notes required for dispensing, available bank note resources of the associated self-service terminal with the number of the bank notes with the specific available denomination not less than M-N are obtained for integration.
Optionally, the associated self-service terminal is a self-service terminal belonging to the same financial service network as the self-service terminal logged in by the user.
Optionally, the money distribution scheme includes position information of each associated self-service terminal participating in money distribution, and money distribution resources of each associated self-service terminal participating in money distribution.
Optionally, each associated self-service terminal participating in the money distribution is an associated self-service terminal in an idle state, and/or each associated self-service terminal participating in the money distribution is an associated self-service terminal closest to a self-service terminal logged in by a user.
Optionally, the method further includes:
and distributing bank note distribution resources to the associated self-service terminals participating in bank note distribution according to the bank note distribution scheme so as to verify the user identity of the associated self-service terminals participating in bank note distribution, and outputting bank notes according to the bank note distribution resources.
Optionally, the method further includes:
and reserving the money distribution resources on the associated self-service terminals participating in money distribution according to the money distribution scheme.
In a second aspect, an embodiment of the present invention provides a financial self-service processing system, including:
the system comprises a service request acquisition module, a bill distribution module and a bill distribution module, wherein the service request acquisition module is used for acquiring a service request of a user, and the service request corresponds to a bill distribution requirement;
the resource integration module is used for integrating the available banknote resources of at least one associated self-service terminal when the available banknote resources of the self-service terminal logged by the user cannot meet the banknote distribution requirement, or integrating the available banknote resources of the self-service terminal logged by the user and the available banknote resources of the at least one associated self-service terminal;
and the banknote distribution scheme generation module is used for acquiring a banknote distribution scheme according to the available banknote resources of the at least one associated self-service terminal, or acquiring the banknote distribution scheme according to the available banknote resources of the self-service terminal logged by the user and the available banknote resources of the at least one associated self-service terminal.
Optionally, the resource integration module is specifically configured to integrate the available banknote resources of one associated self-service terminal if the available banknote resources of the one associated self-service terminal meet the banknote distribution requirement; or if the available banknote resources of the at least two associated self-service terminals meet the banknote distribution requirement, integrating the available banknote resources of the at least two associated self-service terminals.
Optionally, the resource integration module is specifically configured to, when a money dispensing amount a required for dispensing money is greater than a maximum available amount B of the self-service terminal logged in by the user, obtain available money resources of the associated self-service terminal having the maximum available amount not less than a-B for integration; or when the maximum common divisor of the available denominations of the self-service terminals logged in by the users cannot be completely divided by the money distribution amount required by the money distribution, and the money distribution error exceeds a preset quota to cause the failure of money distribution, acquiring available money resources of the associated self-service terminals with at least one different available denomination with the self-service terminals logged in by the users for integration; or when the number N of the bank notes with the specific available denomination of the self-service terminal logged in by the user does not meet the number M of the bank notes with the specific denomination of the bank notes required for dispensing, acquiring available bank note resources of the associated self-service terminal with the number of the bank notes with the specific available denomination not less than M-N for integration.
Optionally, the associated self-service terminal is a self-service terminal belonging to the same financial service network as the self-service terminal logged in by the user.
Optionally, the money distribution scheme includes position information of each associated self-service terminal participating in money distribution, and money distribution resources of each associated self-service terminal participating in money distribution.
Optionally, each associated self-service terminal participating in the money distribution is an associated self-service terminal in an idle state, and/or each associated self-service terminal participating in the money distribution is an associated self-service terminal closest to a self-service terminal logged in by a user.
Optionally, the system further comprises:
the cash dispensing task distribution module is used for distributing cash dispensing resources to the self-service terminal and/or the associated self-service terminal logged in by the user according to the cash dispensing scheme;
and the cash-out execution module is used for verifying the identity of the user and executing cash-out according to the cash-distribution resource.
Optionally, the system further comprises:
and the money distribution resource reservation module is used for reserving the money distribution resources on the self-service terminal and/or the associated self-service terminal according to the money distribution scheme.
According to the financial self-service business processing method and system provided by the embodiment of the invention, when available banknote resources of a self-service terminal logged in by a user cannot meet the banknote distribution requirement, available banknote resources of at least one associated self-service terminal are integrated, and a banknote distribution scheme is obtained according to the available banknote resources of the at least one associated self-service terminal, or the available banknote resources of the self-service terminal logged in by the user and the available banknote resources of the at least one associated self-service terminal are integrated, and the banknote distribution scheme is obtained according to the available banknote resources of the self-service terminal logged in by the user and the available banknote resources of the at least one associated self-service terminal. The technical scheme provided by the invention can give full play to the resources of the respective auxiliary terminals in the financial service network, and when one of the auxiliary terminals can not meet the bank note distribution requirement, the resources of other associated auxiliary terminals are integrated so as to meet the service request of the user to the maximum extent and enhance the user experience.
Drawings
Other features, objects and advantages of the invention will become more apparent upon reading of the detailed description of non-limiting embodiments with reference to the following drawings:
FIG. 1 is a flow chart of a financial self-service processing method according to an embodiment of the present invention;
fig. 2 is a first schematic structural diagram of a financial self-service processing system according to a third embodiment of the present invention;
fig. 3 is a schematic structural diagram of a financial self-service processing system according to a third embodiment of the present invention;
fig. 4 is a third schematic structural diagram of a financial self-service processing system according to a third embodiment of the present invention;
fig. 5 is a flowchart illustrating a financial self-service method according to a fourth embodiment of the present invention.
Detailed Description
The present invention will be described in further detail with reference to the accompanying drawings and examples. It is to be understood that the specific embodiments described herein are merely illustrative of the invention and are not limiting of the invention. It should be further noted that, for the convenience of description, only some but not all of the relevant aspects of the present invention are shown in the drawings.
Example one
Fig. 1 is a schematic flow chart of a financial self-service processing method according to an embodiment of the present invention, as shown in fig. 1, the method includes the following steps:
step 101, a service request of a user is obtained, wherein the service request corresponds to a money distribution requirement.
The step is that aiming at the business transacted by the user on the self-service terminal of the bank outlet, such as the transaction of withdrawal business, currency exchange business or large-amount zero-changing business, the business requests all correspond to a money distribution requirement, namely the self-service terminal is required to distribute money for the user.
And 102, when the available banknote resources of the self-service terminal logged in by the user cannot meet the banknote distribution requirement, integrating the available banknote resources of at least one associated self-service terminal, or integrating the available banknote resources of the self-service terminal logged in by the user and the available banknote resources of the at least one associated self-service terminal.
After the step 101, the self-service terminal logged in by the user distributes the money for the user. However, for one self-service terminal, the stored available banknote resources are limited, and a situation that the available banknote resources cannot meet the banknote distribution requirement may occur, at this time, resource integration is required to be performed, and the available banknote resources of at least one associated self-service terminal are obtained and integrated, for example, the available banknote resources of the associated self-service terminal can be only used for providing banknote distribution for a user, that is, the available banknote resources of at least one associated self-service terminal are integrated, and specifically, if the available banknote resources of one associated self-service terminal meet the banknote distribution requirement, the available banknote resources of one associated self-service terminal are integrated; or if the available banknote resources of the at least two associated self-service terminals meet the banknote distribution requirement, integrating the available banknote resources of the at least two associated self-service terminals. There is also a case where the available banknote resources of the associated self-service terminal at which the user is logged in are to be integrated, and the available banknote resources of at least one associated self-service terminal are to be integrated, i.e. the available banknote resources of the self-service terminal at which the user is logged in are still taken into account during the integration process.
The integration process of this step may include the following three cases:
firstly, when the dispensing amount A of the dispensing requirement is larger than the maximum available amount B of the self-service terminal logged in by the user, the available banknote resources of the associated self-service terminal with the maximum available amount not less than A-B are obtained for integration, for example, the maximum available amount of one self-service terminal depends on the number of banknotes initially stored in the banknote box, the number of banknotes stored or taken out during the use process of the self-service terminal and other factors. Therefore, the situation that the available banknote resources of one self-service terminal cannot meet the banknote distribution requirement of user services often occurs, for example, if a certain user needs to withdraw 5000 yuan, the banknote distribution amount of the banknote distribution requirement is 5000 yuan, however, the current maximum available amount of the self-service terminal logged in by the user is 3000 yuan, the situation inevitably leads to banknote distribution failure, at this time, the associated self-service terminal with the maximum available amount greater than 2000 yuan needs to be searched, and if the associated self-service terminal with the maximum available amount greater than or equal to 5000 yuan is found, the available banknote resources of the associated self-service terminal can be only integrated;
secondly, when the money distribution amount required by the money distribution cannot completely divide the maximum common divisor of the available denominations of the self-service terminals logged by the users, and the money distribution error exceeds a preset quota to cause the failure of money distribution, acquiring available money resources of the associated self-service terminals with at least one different available denominations with the self-service terminals logged by the users for integration;
thirdly, when the number N of the bank notes with the specific available denomination of the self-service terminal logged in by the user does not meet the number M of the bank notes with the specific denomination of the bank notes required for dispensing, available bank note resources of the associated self-service terminal with the number not less than M-N of the bank notes with the specific available denomination are obtained for integration.
The number of the associated self-service terminals participating in the integration in this step may be one or more, and usually, the range of the associated self-service terminals obtained in this step is a self-service terminal belonging to the same financial service network as the self-service terminal on which the user logs in.
103, acquiring a money distribution scheme according to the available money resources of at least one associated self-service terminal, or acquiring the money distribution scheme according to the available money resources of the self-service terminal logged by the user and the available money resources of the at least one associated self-service terminal;
in this step, a banknote distribution scheme is generated on the basis of integrating the available banknote resources of at least one associated self-service terminal in step 102, or integrating the available banknote resources of the self-service terminal that the user logs in and the available banknote resources of at least one associated self-service terminal, and specifically, the banknote distribution scheme may include the following contents: the position information of each associated self-service terminal participating in the money distribution, and the money distribution resources of each associated self-service terminal participating in the money distribution.
For the convenience of users, in the money distribution scheme, fewer self-service terminals can be arranged to participate in money distribution as much as possible, for example, if available money resources of one associated self-service terminal meet the money distribution requirement, the money distribution scheme can only relate to one associated self-service terminal, and in this case, the user only needs to complete business on one associated self-service terminal; or if the available banknote resources of the self-service terminal logged in by the user and the available banknote resources of at least one associated self-service terminal meet the banknote distribution requirement, the banknote distribution scheme relates to the self-service terminal logged in by the user and at least one associated self-service terminal, and the user can complete the service on the logged self-service terminal and the at least one associated self-service terminal; or, if the available banknote resources of the at least two associated self-service terminals meet the banknote distribution requirement, the at least two associated self-service terminals are involved in the banknote distribution scheme, and the user can log in the two self-service terminals to complete the service.
In the above money distribution scheme, it is preferable that no more than 2 self-service terminals are arranged to distribute money, so as to reduce the operation complexity of the user. In addition, for better convenience of the user, each associated self-service terminal participating in the money distribution can be an associated self-service terminal in an idle state, and/or each associated self-service terminal participating in the money distribution is an associated self-service terminal closest to the self-service terminal logged in by the user, for example, 2 adjacent self-service terminals.
After the money distribution scheme is obtained in the step 103, the money distribution scheme can be displayed to the user, so that the user can log in each self-service terminal according to the money distribution scheme to finish money taking.
Furthermore, the money distribution resource can be distributed to each associated self-service terminal participating in money distribution according to the money distribution scheme, so that the user identity is verified by each associated self-service terminal participating in money distribution, and money is discharged according to the money distribution resource.
In the technical scheme of the invention, because a user needs to take banknotes from other associated self-service terminals except the self-service terminal currently logged in, although idle associated self-service terminals can be arranged to participate in banknote distribution as much as possible, the problem that other users log in the associated self-service terminals participating in banknote distribution and use available banknote resources of the associated self-service terminals participating in banknote distribution before the user logs in the associated self-service terminals participating in banknote distribution, so that the available banknote resources of the associated self-service terminals participating in banknote distribution are inconsistent with those of the prior users and the requirement of banknote distribution cannot be met can still exist. Therefore, after the money distribution resource is distributed to each associated self-service terminal participating in money distribution, the money distribution resource is preset on the associated self-service terminal participating in money distribution according to a money distribution scheme, so that the money distribution resource can be used after a user logs in.
In addition, before the step 103 is executed to obtain the money distribution scheme, a step may be further added, that is, whether the user agrees to complete the service request by using the associated self-service terminal is determined, and the step mainly considers that some users may not be able to accept the service request on other associated self-service terminals, especially under the condition that multiple self-service terminals cooperatively complete the service request, and determines the user before the money distribution scheme is generated.
Example two
The second embodiment of the present invention mainly explains and explains how to integrate part of the processes in detail when the step 102 determines that the available banknote resources of the self-service terminal logged in by the user cannot meet the banknote dispensing requirement.
First, in the process of dispensing money, when it is determined that the dispensing amount required by the dispensing money cannot be divisible by the maximum common divisor of the available denominations of the self-service terminal logged in by the user, and the dispensing error exceeds the preset amount, the dispensing failure is exemplified herein.
If the user carries out the withdrawal service, the input withdrawal amount is M, the available denominations of the self-service terminal logged in by the user are A1, A2 and A3 … An from small to large, the corresponding available banknote numbers are C1, C2 and C3 … Cn respectively, namely the available number of Ai is Ci (i takes values from 1 to n), the user demands for the number of each denomination are not less than B1, B2 and B3 … Bn respectively, the actual money distribution number of each denomination is X1, X2 and X3 … Xn, then A carries out the withdrawal service1X1+A2X2+...+AnXnM, it can be simplified to the relation:
if the money distribution amount M cannot be divided by the greatest common divisor of all the available denominations in the equation, and the money distribution error exceeds the preset quota of the system, the money distribution fails, the number of the available denominations of the self-service terminal is not enough, and in this case, other self-service terminals participating in the money distribution need to have at least one available denomination bill different from the self-service terminal.
For example, the self-service terminal has available denominations of 20 yuan and 50 yuan, the number of the available denominations is enough, the maximum value of the bill distribution error set by the system is 5, the current user requires to exchange 100 dollars into RMB, the exchange rate is 5.34, the money distribution amount is 534 yuan, when the bills with the denominations of 20 yuan and 50 yuan are distributed, the bill distribution fails because 534% gcd (20,50) ≥ 14 ≥ 5, in this case, other self-service terminals are required to participate in the bill distribution, and at least one denomination of the bills with the available denominations of the self-service terminal is selected to be different from 20 yuan and 50 yuan, for example, bills with the available denominations of 10 yuan or 5 yuan.
Further, if the above equation does not have any set of non-negative integer solutions, there is B for all integers i with 0 ≦ i ≦ ni≤XiIf the money distribution is failed, the money distribution parameters of the user are too harsh, and if the withdrawal amount is not modified or the required number of the money to be dispensed of each denomination is not modified, even if resources of other self-service terminals are used, the money distribution failsThe dispensing of the banknotes is successful, so that the dispensing of the banknotes is not continued until the dispensing parameters are not modified by the user.
For example, if the available denominations of the self-service terminal are only 20 yuan and 50 yuan and the dispensing amount is required to be 30 yuan, the dispensing fails and the user may be required to modify the dispensing amount.
For example, the available denominations of the self-service terminal are only 20 yuan and 50 yuan, the dispensing amount of 100 yuan is required to be dispensed, and the denomination of 20 yuan is not less than 3 banknotes, and the denomination of 50 yuan is not less than 1 banknote, the dispensing fails, the user is required to modify the dispensing amount, or the minimum sheet number requirement of each denomination is modified.
Further, if there is no set of solutions for the above equation, all integers i with 0 ≦ i ≦ n have Bi≤Xi≤CiThe dispensing of the banknote fails. In addition, there is also a case that the dispensing fails when the self-service terminal logged in by the user has one or more banknotes with specific available denomination that do not meet the dispensing requirement, and in such a case, only other self-service terminals need to have enough resources, and the insufficient banknotes of the self-service terminal can be filled.
For example, the money distribution amount is 370, the required number of banknotes with the denomination of 20 yuan is not less than 8, the required number of available banknotes with the denomination of 50 yuan is not less than 4, the number of available banknotes with the denomination of 20, logged in by the user, of the self-service terminal is 12, and the number of available banknotes with the denomination of 50 is 10.
Solving for 20X1+50X2＝370，20X1+50X2Solving for M to obtain The calculation process is as follows:
2X1+5X2the general solution for 37 is: wherein t epsilon Z is a free factor;
according to B1≤X1≤C1，B2≤X2≤C2Obtaining B1≤-2m+5t≤C1，B2≤m-2t≤C2。
If m is 37, B1＝8,B2＝4,C1＝12,C2＝10，
Substitution into B1≤-2m+5t≤C1T is more than or equal to 8 and less than or equal to-74 and less than or equal to 5t and less than or equal to 12, namely t is more than or equal to 16.4 and less than or equal to 17.2, and the integer t is 17;
substitution into B2≤m-2t≤C2T is equal to or less than 37-2t and equal to or less than 10, namely t is equal to or less than 13.5 and equal to or less than 16.5, and the integer t is 14, t is 15 or t is 16;
the two inequalities cannot be satisfied simultaneously, and the money distribution fails.
For another example, for a large-amount change business, a user provides 100 yuan, and requests 30 banknotes with a denomination of 2 yuan and 40 banknotes with a denomination of 1 yuan to be dispensed, the number of available banknotes with a current denomination of 2 yuan of a self-service terminal a logged in by the user is 25 banknotes and the number of available banknotes with a denomination of 1 yuan is 100 banknotes, so that the number of available banknotes with a denomination of 2 yuan of the self-service terminal a cannot meet the demand for dispensing, and the difference between the two is 5 banknotes with a denomination of 2 yuan, so that self-service equipment with at least 5 banknotes with a denomination of 2 yuan needs to be queried, and assuming that the number of available banknotes with a denomination of 2 yuan of a self-service terminal B is 20 banknotes and the number of available banknotes with a denomination of 1 yuan of a self-service terminal B is 50, the available banknote resources of the self-service terminal B can be obtained for. Under the condition, the large-amount zero-changing service cannot be completed independently only by the self-service terminal A or the self-service terminal B, but the cooperation between the two self-service terminal devices can be realized through the technical scheme of the invention. In addition, there is also a case that the service network where the self-service terminal a is located is also provided with a self-service terminal C, the self-service terminal C has 50 available banknotes with the denomination of 2 yuan, 50 available banknotes with the denomination of 1 yuan, and the self-service terminal C can independently complete the large-amount zero-change service, so that the user can be independently completed with the available banknote resources of the self-service terminal C.
EXAMPLE III
A third embodiment of the present invention provides a financial self-service processing system corresponding to the third embodiment, and fig. 2 is a schematic structural diagram of the financial self-service processing system provided in the third embodiment of the present invention, as shown in fig. 2, the system includes a service request obtaining module 11, a resource integrating module 12, and a money distribution scheme generating module 13, where the service request obtaining module 11 is configured to obtain a service request of a user, and the service request corresponds to a money distribution requirement; the resource integration module 12 is configured to, when available banknote resources of the self-service terminal that the user logs in cannot meet the banknote dispensing requirement, integrate available banknote resources of at least one associated self-service terminal, or integrate available banknote resources of the self-service terminal that the user logs in and available banknote resources of the at least one associated self-service terminal; the banknote distribution scheme generating module 13 is configured to obtain a banknote distribution scheme according to the available banknote resource of the at least one associated self-service terminal, or obtain a banknote distribution scheme according to the available banknote resource of the self-service terminal logged in by the user and the available banknote resource of the at least one associated self-service terminal.
In the technical scheme provided by the embodiment of the invention, a service request processing module of a financial self-service processing system acquires a service request initiated by a user through a logged self-service terminal, and a resource integration module integrates available banknote resources of at least one associated self-service terminal or integrates available banknote resources of the self-service terminal logged by the user and available banknote resources of the at least one associated self-service terminal when the available banknote resources of the self-service terminal logged by the user cannot meet the banknote distribution requirement corresponding to the service request; and generating a money distribution scheme according to the integrated resources. According to the technical scheme provided by the third embodiment of the invention, the sharing of available banknote resources among a plurality of self-service terminals is realized, and the banknote distribution can be completed for a user by combining with other associated self-service terminals when the self-service terminal logged in by the user cannot complete the banknote distribution.
Specifically, in the embodiment, in the case that the resource integration module 12 integrates available banknote resources of at least one associated self-service terminal, specifically, if the available banknote resources of one associated self-service terminal meet the banknote distribution requirement, the available banknote resources of one associated self-service terminal are integrated; or if the available banknote resources of the at least two associated self-service terminals meet the banknote distribution requirement, integrating the available banknote resources of the at least two associated self-service terminals.
In addition, for different banknote distribution failure conditions, the resource integration module 12 is specifically configured to, when a banknote distribution amount a required for banknote distribution is greater than a maximum available amount B of a self-service terminal logged in by a user, acquire available banknote resources of the associated self-service terminal having the maximum available amount not less than a-B for integration; or when the maximum common divisor of the available denominations of the self-service terminals logged in by the users cannot be completely divided by the money distribution amount required by the money distribution, and the money distribution error exceeds a preset quota to cause the failure of money distribution, acquiring available money resources of the associated self-service terminals with at least one different available denominations with the self-service terminals logged in by the users for integration; or when the number N of the bank notes with the specific available denomination of the self-service terminal logged in by the user does not meet the number M of the bank notes with the specific denomination of the bank notes required for dispensing, acquiring available bank note resources of the associated self-service terminal with the number of the bank notes with the specific available denomination not less than M-N for integration.
In the financial self-service processing system provided by the above embodiment of the present invention, the obtained banknote distribution scheme includes the position information of each associated self-service terminal participating in banknote distribution and the banknote distribution resources of each associated self-service terminal participating in banknote distribution. In order to facilitate the operation of the user, each associated self-service terminal participating in the bank note distribution is an associated self-service terminal in an idle state, and/or each associated self-service terminal participating in the bank note distribution is an associated self-service terminal closest to a self-service terminal logged in by the user.
Fig. 3 is a schematic structural diagram of a financial self-service processing system according to a third embodiment of the present invention, and as shown in fig. 3, the financial self-service system according to the third embodiment of the present invention further includes a cash dispensing task allocation module 14 and a cash dispensing resource reservation module 15, where the cash dispensing task allocation module 14 is configured to allocate cash dispensing resources to each associated self-service terminal participating in cash dispensing according to the above-mentioned cash dispensing scheme, so that each associated self-service terminal participating in cash dispensing verifies a user identity, and performs cash dispensing according to the cash dispensing resources.
In addition, since there is still a period of time during which the dispensing scheme is generated and during which the user takes the banknotes from the respective associated self-service terminals according to the dispensing scheme, it is possible that the available banknote resources at the associated self-service terminals involved in the dispensing have changed, as shown in fig. 3, the financial self-service system may further include a dispensing resource reservation module 15, the dispensing resource reservation module 15 being configured to reserve the corresponding dispensing resources at the associated self-service terminals involved in the dispensing according to the dispensing scheme.
In addition, fig. 4 is a schematic structural diagram of a financial self-service processing system provided in the third embodiment of the present invention, as shown in fig. 4, the resource integration module 12 may include a resource validity determination unit 121, an available resource discovery unit 122, and a resource matching unit 123, where the resource validity determination unit 121 is mainly used to determine whether available banknote resources on a single self-service terminal or all available banknote resources on two or more self-service terminals meet a banknote distribution requirement; the available resource discovery unit 122 is mainly used for discovering that the banknote distribution requirement cannot be met by the resource validity judgment unit 121, starting to query the available banknote resources at each associated self-service terminal, the resource matching unit 123 is configured to, after the available resource discovery unit 122 discovers the available banknote resources at the associated self-service terminal, performing resource combination based on available banknote resources among different self-service terminals to obtain total available banknote resources of a self-service terminal group including one or more self-service terminals, and the total available banknote resources of each self-service terminal group are delivered to the resource validity judging unit 121 for judgment, whether the banknote distribution requirement can be met is judged, including but not limited to integrating the available bank note resources of an associated self-service terminal, or integrating available banknote resources of two or more associated self-service terminals, or integrating available banknote resources of one associated self-service terminal and self-service terminals logged in by users.
Example four
In the fourth embodiment of the present invention, a financial self-service method of the present invention is described by taking an example of a user logging in a self-service terminal of a financial self-service network to withdraw money, specifically, fig. 5 is a schematic flow chart of the financial self-service method provided in the fourth embodiment of the present invention, and as shown in fig. 5, the method includes the following steps:
step 201, a user logs in a self-service terminal A to execute a withdrawal service, inputs a withdrawal request through a keyboard or a touch screen and the like, the withdrawal request corresponds to a money distribution requirement, if the user inputs a withdrawal request of 8000 yuan, the money distribution requirement is 8000 yuan, a financial self-service system firstly judges whether available money resources of the self-service terminal can meet the money distribution requirement, if yes, the flow is ended after a money outlet flow is normally executed; otherwise, go to step 202;
step 202, inquiring whether available banknote resources of one associated self-service terminal in the associated self-service terminals of the same financial service network are enough to meet the banknote distribution requirement, if so, generating a banknote distribution scheme according to the available banknote resources of the associated self-service terminal, and simultaneously displaying the banknote distribution scheme to a user, for example, inquiring that the available banknotes of the self-service terminal B of the same financial service network are 10000 yuan, generating a banknote distribution scheme that the user can extract 8000 yuan from the self-service terminal B, prompting the user, simultaneously prompting the specific position of the self-service terminal B so that the user can log in the self-service terminal B to execute withdrawal business, executing banknote discharge after verifying the identity information of the user by the self-service terminal B, and finishing the flow. In addition, if no available bank note of any associated self-service terminal meets the bank note distribution requirement, step 203 is executed;
step 203, inquiring whether available banknote resources of one associated self-service terminal and available banknote resources of self-service terminals logged in by users meet the banknote distribution requirement in other associated self-service terminals of the same financial service network, for example, if the self-service terminals logged in by the users have available banknotes of 2000 yuan, inquiring whether the associated self-service terminals with the available banknotes larger than or equal to 6000 yuan exist, if the available banknotes of the self-service terminals C are larger than or equal to 6000 yuan, executing step 205, otherwise executing step 204;
step 204, inquiring whether the sum of the available banknote resources of two associated self-service terminals in other associated self-service terminals of the same financial service network can meet the banknote distribution requirement, for example, inquiring that the sum of the available banknotes of the self-service terminal D and the self-service terminal E is more than or equal to 8000 yuan, executing step 205, otherwise, prompting a user that the financial service network does not have sufficient available banknote resources, cannot provide the service meeting the user request, and ending the process;
step 205, displaying the specific position of the associated self-service terminal participating in the money distribution to the user, for example, displaying the specific position of the self-service terminal C, or displaying the specific positions of the self-service terminal D and the self-service terminal E, and inquiring whether the user agrees to use the two associated self-service terminals to complete the money withdrawing service;
step 206, confirming that the user agrees to finish the withdrawal service by utilizing the two self-service terminals;
step 207, integrating available banknote resources of the associated self-service terminals participating in banknote distribution to perform banknote distribution calculation and generate a corresponding banknote distribution scheme, wherein in the banknote distribution scheme, aiming at the condition of the step 203, the amount of the distributed banknotes distributed by the self-service terminal A logged in by the user is 2000 yuan, and the amount of the distributed banknotes distributed by the self-service terminal C is 6000 yuan; aiming at the condition of the step 204, the money distribution amount distributed by the self-service terminal D and the self-service terminal E is 4000 yuan;
step 208, confirming again that each associated self-service terminal participating in the money distribution in step 207 has enough money distribution amount, which mainly prevents the available money resources of each associated self-service terminal from changing in the user confirmation process of step 205 and step 206, if the money distribution is confirmed to be successful, executing step 209, otherwise executing step 203;
step 209, displaying a specific money distribution scheme to the user, displaying the position information and the money distribution amount of the self-service terminal C of the money distribution amount of the self-service terminal A logged by the user according to the condition of the step 203, and displaying the position information and the money distribution amount of the self-service terminal D, the position information and the money distribution amount of the self-service terminal E according to the condition of the step 204;
step 210, completing withdrawal on each self-service terminal participating in money distribution, namely, according to the condition of step 203, after a user withdraws money in the money distribution amount on the current logged self-service terminal A, logging in a self-service terminal C, performing identity verification and withdrawing money, and executing money discharge by the self-service terminal C; and (3) aiming at the condition in the step 204, the user logs in the self-service terminal D and the self-service terminal E respectively, withdraws money after the identity verification is finished, and the self-service terminal D and the self-service terminal E execute money discharge and finally finish the process.
According to the financial self-service business processing method and system provided by the embodiment of the invention, aiming at the condition that the available banknote resources of the self-service terminal logged in by the user cannot meet the banknote distribution requirement, the available banknote resources of at least one associated self-service terminal can be integrated, and the banknote distribution scheme is obtained according to the available banknote resources of the at least one associated self-service terminal, or the available banknote resources of the self-service terminal logged in by the user and the available banknote resources of the at least one associated self-service terminal are integrated, and the banknote distribution scheme is obtained according to the available banknote resources of the self-service terminal logged in by the user and the available banknote resources of the at least one associated self-service terminal. The technical scheme provided by the invention can give full play to the resources of the respective auxiliary terminals in the financial service network, and when one of the auxiliary terminals can not meet the bank note distribution requirement, the resources of other associated auxiliary terminals are integrated so as to meet the service request of the user to the maximum extent and enhance the user experience.
The above-mentioned serial numbers of the embodiments of the present invention are merely for description and do not represent the merits of the embodiments.
It will be understood by those skilled in the art that the modules or steps of the invention described above may be implemented by a general purpose computing device, they may be centralized on a single computing device or distributed across a network of computing devices, and optionally they may be implemented by program code executable by a computing device, such that it may be stored in a memory device and executed by a computing device, or it may be separately fabricated into various integrated circuit modules, or it may be fabricated by fabricating a plurality of modules or steps thereof into a single integrated circuit module. Thus, the present invention is not limited to any specific combination of hardware and software.
The embodiments in the present specification are described in a progressive manner, each embodiment focuses on differences from other embodiments, and the same or similar parts in the embodiments are referred to each other.
The above description is only a preferred embodiment of the present invention and is not intended to limit the present invention, and various modifications and changes may be made by those skilled in the art. Any modification, equivalent replacement, or improvement made within the spirit and principle of the present invention should be included in the protection scope of the present invention.
Claims (10)
1. A financial self-service business processing method is characterized by comprising the following steps:
acquiring a service request of a user, wherein the service request corresponds to a money distribution requirement;
when available bank note resources of the self-service terminal logged in by the user cannot meet the bank note distribution requirement, the available bank note resources of at least one associated self-service terminal are integrated, a bank note distribution scheme is obtained according to the available bank note resources of the at least one associated self-service terminal, or the available bank note resources of the self-service terminal logged in by the user are integrated, the available bank note resources of the at least one associated self-service terminal are integrated, the available bank note resources of the self-service terminal logged in by the user are obtained, and the bank note distribution scheme is obtained according to the available bank note resources of the self-service terminal logged in by the user and the available bank note resources.
2. The method according to claim 1, wherein the integrating available banknote resources of at least one associated self-service terminal specifically comprises:
if the available banknote resources of one associated self-service terminal meet the banknote distribution requirement, integrating the available banknote resources of the associated self-service terminal; or,
and if the available banknote resources of the at least two associated self-service terminals meet the banknote distribution requirement, integrating the available banknote resources of the at least two associated self-service terminals.
3. The method of claim 1, wherein the integrating available banknote resources of at least one associated self-service terminal comprises:
when the money distribution amount A required by money distribution is larger than the maximum available amount B of the self-service terminal logged in by the user, acquiring available money resources of the associated self-service terminal with the maximum available amount not less than A-B for integration;
when the money distribution amount required by the money distribution cannot be divided by the maximum common divisor of the available denominations of the self-service terminals logged in by the users, and the money distribution error exceeds a preset limit to cause the failure of money distribution, acquiring available money resources of the associated self-service terminals with at least one different available denominations with the self-service terminals logged in by the users for integration; or,
when the number N of the bank notes with the specific available denomination of the self-service terminal logged in by the user does not meet the number M of the bank notes with the specific denomination of the bank notes required for dispensing, available bank note resources of the associated self-service terminal with the number of the bank notes with the specific available denomination not less than M-N are obtained for integration.
4. The method of any one of claims 1 to 3, wherein the dispensing scheme includes location information for each associated self-service terminal involved in dispensing the banknote and the dispensing resources for each associated self-service terminal involved in dispensing the banknote.
5. The method of claim 4, further comprising:
and distributing bank note distribution resources to the associated self-service terminals participating in bank note distribution according to the bank note distribution scheme so as to verify the user identity of the associated self-service terminals participating in bank note distribution, and outputting bank notes according to the bank note distribution resources.
6. A financial self-service transaction processing system, comprising:
the system comprises a service request acquisition module, a bill distribution module and a bill distribution module, wherein the service request acquisition module is used for acquiring a service request of a user, and the service request corresponds to a bill distribution requirement;
the resource integration module is used for integrating the available banknote resources of at least one associated self-service terminal when the available banknote resources of the self-service terminal logged by the user cannot meet the banknote distribution requirement, or integrating the available banknote resources of the self-service terminal logged by the user and the available banknote resources of the at least one associated self-service terminal;
and the banknote distribution scheme generation module is used for acquiring a banknote distribution scheme according to the available banknote resources of the at least one associated self-service terminal, or acquiring the banknote distribution scheme according to the available banknote resources of the self-service terminal logged by the user and the available banknote resources of the at least one associated self-service terminal.
7. The system according to claim 6, wherein the resource integration module is specifically configured to integrate the available banknote resources of one associated self-service terminal if the available banknote resources of the one associated self-service terminal meet the banknote dispensing requirement; or if the available banknote resources of the at least two associated self-service terminals meet the banknote distribution requirement, integrating the available banknote resources of the at least two associated self-service terminals.
8. The system according to claim 6, wherein the resource integration module is specifically configured to, when the dispensing amount A of the dispensing demand is greater than the maximum available amount B of the self-service terminal where the user logs in, obtain available banknote resources of the associated self-service terminal having the maximum available amount not less than A-B for integration; or when the maximum common divisor of the available denominations of the self-service terminals logged in by the users cannot be completely divided by the money distribution amount required by the money distribution, and the money distribution error exceeds a preset quota to cause the failure of money distribution, acquiring available money resources of the associated self-service terminals with at least one different available denominations with the self-service terminals logged in by the users for integration; or when the number N of the bank notes with the specific available denomination of the self-service terminal logged in by the user does not meet the number M of the bank notes with the specific denomination of the bank notes required for dispensing, acquiring available bank note resources of the associated self-service terminal with the number of the bank notes with the specific available denomination not less than M-N for integration.
9. The system of any one of claims 6 to 8, wherein the dispensing scheme includes location information for each associated self-service terminal involved in dispensing the banknote and the dispensing resources for each associated self-service terminal involved in dispensing the banknote.
10. The system of claim 9, further comprising:
and the cash dispensing task distribution module is used for distributing cash dispensing resources to the associated self-service terminals participating in cash dispensing according to the cash dispensing scheme so that the associated self-service terminals participating in cash dispensing verify the identity of the user and perform cash dispensing according to the cash dispensing resources.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201510198648.9A CN104809646A (en) | 2015-04-24 | 2015-04-24 | Financial self-service business handling method and system |
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201510198648.9A CN104809646A (en) | 2015-04-24 | 2015-04-24 | Financial self-service business handling method and system |
Publications (1)
| Publication Number | Publication Date |
|---|---|
| CN104809646A true CN104809646A (en) | 2015-07-29 |
Family
ID=53694452
Family Applications (1)
| Application Number | Title | Priority Date | Filing Date |
|---|---|---|---|
| CN201510198648.9A Pending CN104809646A (en) | 2015-04-24 | 2015-04-24 | Financial self-service business handling method and system |
Country Status (1)
| Country | Link |
|---|---|
| CN (1) | CN104809646A (en) |
Cited By (3)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN106981128A (en) * | 2017-05-02 | 2017-07-25 | 浙江维融电子科技股份有限公司 | A kind of national treasury foreign currency intelligently matches somebody with somebody paper money device |
| CN109754518A (en) * | 2019-03-20 | 2019-05-14 | 上海古鳌电子科技股份有限公司 | A kind of self-service bank note distribution method |
| CN114170743A (en) * | 2021-12-21 | 2022-03-11 | 中国工商银行股份有限公司 | Banknote distribution method, device and storage medium |
Citations (3)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| US20070011014A1 (en) * | 2003-09-02 | 2007-01-11 | Prakasham Umapathy | Method and system of accounting transactions through concurrent processing of events in cyber space |
| CN102903177A (en) * | 2012-10-09 | 2013-01-30 | 广州广电运通金融电子股份有限公司 | Cash dispensing method of financial self-service equipment |
| US20150066564A1 (en) * | 2013-08-29 | 2015-03-05 | Ncr Corporation | Managing media replenishment |
-
2015
- 2015-04-24 CN CN201510198648.9A patent/CN104809646A/en active Pending
Patent Citations (3)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| US20070011014A1 (en) * | 2003-09-02 | 2007-01-11 | Prakasham Umapathy | Method and system of accounting transactions through concurrent processing of events in cyber space |
| CN102903177A (en) * | 2012-10-09 | 2013-01-30 | 广州广电运通金融电子股份有限公司 | Cash dispensing method of financial self-service equipment |
| US20150066564A1 (en) * | 2013-08-29 | 2015-03-05 | Ncr Corporation | Managing media replenishment |
Cited By (4)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN106981128A (en) * | 2017-05-02 | 2017-07-25 | 浙江维融电子科技股份有限公司 | A kind of national treasury foreign currency intelligently matches somebody with somebody paper money device |
| CN106981128B (en) * | 2017-05-02 | 2022-09-27 | 浙江维融电子科技股份有限公司 | Intelligent money distribution device for exchequer foreign currency |
| CN109754518A (en) * | 2019-03-20 | 2019-05-14 | 上海古鳌电子科技股份有限公司 | A kind of self-service bank note distribution method |
| CN114170743A (en) * | 2021-12-21 | 2022-03-11 | 中国工商银行股份有限公司 | Banknote distribution method, device and storage medium |
Similar Documents
| Publication | Publication Date | Title |
|---|---|---|
| CN104134275B (en) | Bank note distribution method, join paper money device and financial self-service equipment | |
| CN104504804B (en) | Cash distribution method and device and financial self-service device | |
| CN111738709B (en) | Transaction processing method and device | |
| US20150206370A1 (en) | Cash replenishment method for financial self-service equipment | |
| CN110162527B (en) | Service tracing method and device based on block chain and electronic equipment | |
| CN107358524B (en) | Method for leveling funds among multiple account management lines in same currency | |
| CN110599177A (en) | Transaction verification method and related equipment | |
| CN110910230A (en) | Accounting method, accounting system and storage medium | |
| CN111199489A (en) | Method, apparatus, computer-readable storage medium and computer program product for cross-blockchain asset management | |
| CN104809646A (en) | Financial self-service business handling method and system | |
| CN108848125A (en) | The method and apparatus and storage medium of common recognition service are provided in block chain | |
| CN104809803A (en) | Withdrawal method and withdrawal system | |
| CN105741440A (en) | Method and device for running bank note currency exchange self-service equipment | |
| CN105869270B (en) | A kind of method and device for verifying note output | |
| CN114170743B (en) | Banknote distribution method, device and storage medium | |
| CN107484429B (en) | Cash-out control method and system of financial terminal and financial terminal | |
| CN108074358A (en) | A kind of ATM pick-up portion paper currency management method, device, equipment and storage medium | |
| CN111177262A (en) | Block chain consensus method, related device and system | |
| CN113055401B (en) | Enterprise business authorization processing method and device | |
| CN106652250B (en) | Automated trading system and its roll account method automatically | |
| CN111798306A (en) | Foreign currency dispensing management system and method | |
| CN111626849B (en) | Counter transaction authorization method, device and system | |
| CN113611053B (en) | Method, system and medium for small-denomination limited money distribution of self-service equipment | |
| CN115293754A (en) | Life payment data processing method and device based on block chain | |
| CN111861740B (en) | Resource issuing method, device and system |
Legal Events
| Date | Code | Title | Description |
|---|---|---|---|
| C06 | Publication | ||
| PB01 | Publication | ||
| EXSB | Decision made by sipo to initiate substantive examination | ||
| SE01 | Entry into force of request for substantive examination | ||
| RJ01 | Rejection of invention patent application after publication | ||
| RJ01 | Rejection of invention patent application after publication |
Application publication date: 20150729 |