CN106846665A - The method for processing business and device of a kind of financial transaction apparatus - Google Patents
The method for processing business and device of a kind of financial transaction apparatus Download PDFInfo
- Publication number
- CN106846665A CN106846665A CN201710038677.8A CN201710038677A CN106846665A CN 106846665 A CN106846665 A CN 106846665A CN 201710038677 A CN201710038677 A CN 201710038677A CN 106846665 A CN106846665 A CN 106846665A
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- CN
- China
- Prior art keywords
- financial transaction
- transaction apparatus
- business
- limit
- information
- 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.)
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Classifications
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- G—PHYSICS
- G07—CHECKING-DEVICES
- G07F—COIN-FREED OR LIKE APPARATUS
- G07F19/00—Complete banking systems; Coded card-freed arrangements adapted for dispensing or receiving monies or the like and posting such transactions to existing accounts, e.g. automatic teller machines
- G07F19/20—Automatic teller machines [ATMs]
-
- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
- G06Q40/02—Banking, e.g. interest calculation or account maintenance
Abstract
The invention discloses the method for processing business and device of a kind of financial transaction apparatus, the method includes:Obtain the environmental factor information of financial transaction apparatus;The Business Processing parameter of the financial transaction apparatus is adjusted according to the environmental factor information.Based on the above method and device, can be by the environmental factor information according to the financial transaction apparatus, realize the adjustment to the Business Processing parameter of the financial transaction apparatus, for client provides time flexibility business higher, ensure that client interior at one's leisure can carry out handling for financial transaction service, so that the withdrawal amount of financial transaction apparatus is balanced, bank's pipe crewman's clear number of times is reduced, and improve the utilization rate and practicality of financial transaction apparatus.
Description
Technical field
The present embodiments relate to bank ATM withdrawal field, more particularly to a kind of Business Processing side of financial transaction apparatus
Method and device.
Background technology
In past life, when it come to pecuniary exchange can only select to go to major bank outlets or automatic cabinet people
Member's machine (Automated Teller Machine, ATM) is handled, but quick with network finance and mobile Internet
Development, easily advantage has obtained more and more widely using with its movement for wechat, Alipay, meanwhile, bank debits device A TM
The daily utilization rate of machine is consequently also fewer and feweri, specifically, the people for withdrawing the money is fewer and feweri, the people of deposit is more and more, causes to deposit
Withdrawal amount is uneven.
There are the transaction limits of day top limit yet with wechat, Alipay or ATM, such as 5000 or 10000, should
Top limit once just can not again carry out pecuniary exchange using complete, when people need big amount trading, Zhi Neng
Go to the artificial window of bank outlets in business hours to handle, this remote or not abundant client of daylight hours that adjusts the distance causes greatly
Inconvenience.
The content of the invention
The present invention provides a kind of method for processing business and device of financial transaction apparatus, to realize being lifted the utilization rate of ATM
And practicality.
To reach this purpose, the embodiment of the present invention uses following technical scheme:
A kind of method for processing business of financial transaction apparatus, including:
Obtain the environmental factor information of financial transaction apparatus;
The Business Processing parameter of the financial transaction apparatus is adjusted according to the environmental factor information.
Further, in the above method, the environmental factor information includes geographical location information and/or temporal information.
Further, in the above method, the Business Processing parameter includes following at least one:Business Processing type, most
Big withdrawal limit and maximum deposit limit.
Further, in the above method, according to the environmental factor information to the Business Processing of the financial transaction apparatus
Parameter be adjusted including:
According to financial transaction apparatus current time information, judge whether in preset time range;
If current time information is in preset time range, maximum withdrawal limit is raised.
Further, in the above method, according to the environmental factor information to the Business Processing of the financial transaction apparatus
Parameter be adjusted including:
According to financial transaction apparatus current geographic position information, the device type of the financial transaction apparatus is judged;
The maximum withdrawal limit of the financial transaction apparatus is determined according to the device type and the current time information.
Further, in the above method, the device type is included from line ATM and in line ATM.
Further, in the above method, determine that the finance is handed over according to the device type and the current time information
The maximum withdrawal limit of easy equipment includes:
If the financial transaction apparatus are from line ATM, the financial transaction apparatus are set in 24 hours models of whole day
The first maximum withdrawal limit is provided which in enclosing;
If the financial transaction apparatus are in line ATM, it is silver to set the financial transaction apparatus in current time
Second maximum withdrawal limit is provided in the business hours of row site, the first maximum limit of withdrawing the money is provided in bank outlets' non operation time
Volume, and the described first maximum withdrawal limit is more than the described second maximum withdrawal limit.
Correspondingly, the embodiment of the present invention also provides a kind of business processing device of financial transaction apparatus, including:
Data obtaining module, the environmental factor information for obtaining financial transaction apparatus;
Business reorganization module, for according to the environmental factor information to the Business Processing parameter of the financial transaction apparatus
It is adjusted.
Further, in said apparatus, the environmental factor information includes geographical location information and/or temporal information.
Further, in said apparatus, the Business Processing parameter includes following at least one:Business Processing type, most
Big withdrawal limit and maximum deposit limit.
Further, in said apparatus, the business reorganization module includes:
Temporal information judging unit, during for according to financial transaction apparatus current time information, judging whether to be in default
Between in the range of;
Top limit raises unit, if be in preset time range for current time information, raises maximum and takes
Money limit.
Further, in said apparatus, the business reorganization module includes:
Device type judging unit, for according to financial transaction apparatus current geographic position information, judging that the finance is handed over
The device type of easy equipment;
Top limit determining unit, for determining that the finance is handed over according to the device type and the current time information
The maximum withdrawal limit of easy equipment.
Further, in said apparatus, the device type is included from line ATM and in line ATM.
Further, in said apparatus, the top limit determining unit specifically for:
If the financial transaction apparatus are from line ATM, the financial transaction apparatus are set in 24 hours models of whole day
The first maximum withdrawal limit is provided which in enclosing;
If the financial transaction apparatus are in line ATM, it is silver to set the financial transaction apparatus in current time
Second maximum withdrawal limit is provided in the business hours of row site, the first maximum limit of withdrawing the money is provided in bank outlets' non operation time
Volume, and the described first maximum withdrawal limit is more than the described second maximum withdrawal limit.
The technical scheme that the embodiment of the present invention is provided, can believe by according to the environmental factor of the financial transaction apparatus
Breath, realizes the adjustment to the Business Processing parameter of the financial transaction apparatus so that the withdrawal of financial transaction apparatus is measured
Balance, and improve the utilization rate and practicality of ATM.
Brief description of the drawings
In order to illustrate more clearly about the embodiment of the present invention or technical scheme of the prior art, below will be to embodiment or existing
The accompanying drawing to be used needed for having technology description is briefly described, it should be apparent that, drawings in the following description are only this
Inventive embodiment, for those of ordinary skill in the art, on the premise of not paying creative work, can also basis
The accompanying drawing of offer obtains other accompanying drawings.
Fig. 1 is a kind of schematic flow sheet of the method for processing business of financial transaction apparatus that the embodiment of the present invention one is provided;
Fig. 2 is a kind of structural representation of the business processing device of financial transaction apparatus that the embodiment of the present invention two is provided.
Specific embodiment
The present invention is described in further detail with reference to the accompanying drawings and examples.It is understood that this place is retouched
The specific embodiment stated is used only for explaining the present invention, rather than limitation of the invention.It also should be noted that, in order to just
Part rather than entire infrastructure related to the present invention is illustrate only in description, accompanying drawing.
Embodiment one
Accompanying drawing 1 is referred to, is a kind of stream of the method for processing business of financial transaction apparatus that the embodiment of the present invention one is provided
Journey schematic diagram, the method is applied to the scene that Business Processing is carried out by ATM, and the method can be by the business of financial transaction apparatus
Processing unit is performed, and the device can be realized by software and/or hardware, and can be typically integrated in for processes financial transactions industry
In the equipment of business.The method specifically includes following steps:
S110, the environmental factor information for obtaining financial transaction apparatus.
It should be noted that the environmental factor information includes geographical location information and/or temporal information, the geographical position
GPS location or obtained from attendant service device by wired or wireless network that confidence breath can be carried by the finance device;Institute
Stating temporal information can be obtained by wired or wireless network from attendant service device.
Need further exist for explanation, due in national legal festivals and holidays or Saturday day, to the demand of financial transaction compared with
Greatly, therefore the environmental factor information can also include date and time information, it is rational to reach for distinguishing festivals or holidays and working day
Resource allocation.The date and time information can typically be obtained by wired or wireless network from attendant service device.
S120, the Business Processing parameter of the financial transaction apparatus is adjusted according to the environmental factor information.
The Business Processing parameter includes following at least one:Business Processing type, maximum withdrawal limit and maximum are deposited
Money limit.
It should be noted that geographical location information in environmental factor information according to the financial transaction apparatus and/or
Temporal information is to the Business Processing type in the Business Processing parameter of the financial transaction apparatus, maximum withdrawal limit and maximum
Deposit limit is adjusted.The Business Processing type refers to the function menu in the financial transaction apparatus user interface
Column, can include withdrawing the money, depositing, querying the balance, transferring accounts, changing password and common reserve fund business handling;By adjusting the maximum
Withdrawal limit and the maximum deposit limit can limit the storage/access money maximum dollar amount or every of every of the financial transaction apparatus
Day storage/access money top limit.
Optionally, bag is adjusted to the Business Processing parameter of the financial transaction apparatus according to the environmental factor information
Include:According to financial transaction apparatus current time information, judge whether in preset time range;If at current time information
In in preset time range, then maximum withdrawal limit is raised.
If specifically, current time information be in default time range in, for example can be 17:00-8:30, now
It is the normal non operation time scope of bank outlets, then the financial transaction apparatus raise maximum withdrawal limit;If on the contrary,
Current time information is not at default 17:00-8:In 30 time ranges, ratio can be 8:30-17:00, now bank's net
The normal business of point, then lower maximum withdrawal limit.
Optionally, bag is adjusted to the Business Processing parameter of the financial transaction apparatus according to the environmental factor information
Include:According to financial transaction apparatus current geographic position information, the device type of the financial transaction apparatus is judged;Set according to described
Standby type and the current time information determine the maximum withdrawal limit of the financial transaction apparatus.
The device type is included from line ATM and in line ATM.It is a kind of single bank self-help clothes from line ATM
Business mechanism, including self-service automatic teller machine, the silver-colored booth of ATM safeguard ATM protection etc., service item is less, mainly deposits
Withdraw the money, transfer accounts and pay dues.And be then connected together with bank outlets sites in line ATM, compared with from line ATM, there is provided more
Many business handlings, also including self-help deposit business.
It should be noted that it is described according to financial transaction apparatus current geographic position, judge the financial transaction apparatus
Device type refers to that to distinguish the financial transaction apparatus by geographical position be from line ATM or in line ATM.Due to being expert at
Formula ATM depends on bank outlets, and bank outlets can provide sales counter manual service within the business hours, thus line ATM and from
Adjustment of the line ATM according to temporal information to Business Processing parameter is differed.
Preferably, if the financial transaction apparatus are from line ATM, the financial transaction apparatus are set in whole day 24
The first maximum withdrawal limit is provided which in the range of hour;
If the financial transaction apparatus are in line ATM, it is silver to set the financial transaction apparatus in current time
Second maximum withdrawal limit is provided in the business hours of row site, the first maximum limit of withdrawing the money is provided in bank outlets' non operation time
Volume, and the described first maximum withdrawal limit is more than the described second maximum withdrawal limit.
It should be noted that the described second maximum withdrawal limit refers to provide normal limit withdrawal business, described first most
Big withdrawal limit refers to provide the big limit withdrawal business after raising.The scheme provided by the present embodiment, the financial transaction
Big limit withdrawal business is not provided within the business hours of its bank outlets for depending in line ATM, and depended at it in equipment
Big limit withdrawal business is provided in the non operation time of bank outlets.For client provides time flexibility business higher, side
Just client carries out financial transaction service and handles in the idle quitting time to ATM.
The technical scheme that the embodiment of the present invention is provided, can believe by according to the environmental factor of the financial transaction apparatus
Breath, realizes the adjustment to the Business Processing parameter of the financial transaction apparatus so that the withdrawal of financial transaction apparatus is measured
Balance, and improve the utilization rate and practicality of ATM.
Embodiment two
Accompanying drawing 2 is referred to, is a kind of knot of the business processing device of financial transaction apparatus that the embodiment of the present invention two is provided
Structure schematic diagram, the device is specifically comprising such as lower module:
Data obtaining module 21, the environmental factor information for obtaining financial transaction apparatus;
Business reorganization module 22, for being joined to the Business Processing of the financial transaction apparatus according to the environmental factor information
Number is adjusted.
The present embodiment is by obtaining the environmental factor information of financial transaction apparatus;According to the environmental factor information to described
The Business Processing parameter of financial transaction apparatus is adjusted.Based on the above method and device, can be handed over by according to the finance
The environmental factor information of easy equipment, realizes the adjustment to the Business Processing parameter of the financial transaction apparatus, for client provides
Time flexibility business higher, it is ensured that client interior at one's leisure can carry out handling for financial transaction service so that finance is handed over
The withdrawal amount of easy equipment is balanced, and reduces bank's pipe crewman's clear number of times, and improve the use of financial transaction apparatus
Rate and practicality.
Preferably, the environmental factor information includes geographical location information and/or temporal information.
Preferably, the Business Processing parameter includes following at least one:Business Processing type, maximum withdrawal limit and
Maximum deposit limit.
Preferably, the business reorganization module includes:Temporal information judging unit, for current according to financial transaction apparatus
Temporal information, judges whether in preset time range;
Top limit raises unit, if be in preset time range for current time information, raises maximum and takes
Money limit.
Preferably, the business reorganization module includes:Device type judging unit, for current according to financial transaction apparatus
Geographical location information, judges the device type of the financial transaction apparatus;
Top limit determining unit, for determining that the finance is handed over according to the device type and the current time information
The maximum withdrawal limit of easy equipment.
Preferably, the device type is included from line ATM and in line ATM.
Preferably, the top limit determining unit specifically for:If the financial transaction apparatus are from line ATM,
The financial transaction apparatus are then set the first maximum withdrawal limit is provided which in the range of 24 hours in whole day;
If the financial transaction apparatus are in line ATM, it is silver to set the financial transaction apparatus in current time
Second maximum withdrawal limit is provided in the business hours of row site, the first maximum limit of withdrawing the money is provided in bank outlets' non operation time
Volume, and the described first maximum withdrawal limit is more than the described second maximum withdrawal limit.
The said goods can perform the method that any embodiment of the present invention is provided, and possess the corresponding functional module of execution method
And beneficial effect.
Note, above are only presently preferred embodiments of the present invention and institute's application technology principle.It will be appreciated by those skilled in the art that
The invention is not restricted to specific embodiment described here, can carry out for a person skilled in the art various obvious changes,
Readjust and substitute without departing from protection scope of the present invention.Therefore, although the present invention is carried out by above example
It is described in further detail, but the present invention is not limited only to above example, without departing from the inventive concept, also
More other Equivalent embodiments can be included, and the scope of the present invention is determined by scope of the appended claims.
Claims (10)
1. a kind of method for processing business of financial transaction apparatus, it is characterised in that including:
The environmental factor information of financial transaction apparatus is obtained, the environmental factor information includes geographical location information and/or time
Information;
The Business Processing parameter of the financial transaction apparatus is adjusted according to the environmental factor information.
2. the method for processing business of financial transaction apparatus according to claim 1, it is characterised in that the Business Processing ginseng
Number includes following at least one:Business Processing type, maximum withdrawal limit and maximum deposit limit.
3. the method for processing business of financial transaction apparatus according to claim 2, it is characterised in that according to the environment because
Prime information the Business Processing parameter of the financial transaction apparatus is adjusted including:
According to financial transaction apparatus current time information, judge whether in preset time range;
If current time information is in preset time range, maximum withdrawal limit is raised.
4. the method for processing business of financial transaction apparatus according to claim 3, it is characterised in that according to the environment because
Prime information the Business Processing parameter of the financial transaction apparatus is adjusted including:
According to financial transaction apparatus current geographic position information, the device type of the financial transaction apparatus, the equipment are judged
Type is included from line ATM and in line ATM;
The maximum withdrawal limit of the financial transaction apparatus is determined according to the device type and the current time information.
5. the method for processing business of financial transaction apparatus according to claim 4, it is characterised in that according to the equipment class
Type and the current time information determine that the maximum withdrawal limit of the financial transaction apparatus includes:
If the financial transaction apparatus are from line ATM, the financial transaction apparatus are set in the range of whole day 24 hours
It is provided which the first maximum withdrawal limit;
If the financial transaction apparatus are in line ATM, it is bank's net to set the financial transaction apparatus in current time
Second maximum withdrawal limit is provided in the point business hours, the first maximum withdrawal limit is provided in bank outlets' non operation time,
And the first maximum withdrawal limit is more than the described second maximum withdrawal limit.
6. a kind of business processing device of financial transaction apparatus, it is characterised in that including:
Data obtaining module, the environmental factor information for obtaining financial transaction apparatus, the environmental factor information includes geography
Positional information and/or temporal information;
Business reorganization module, for being carried out to the Business Processing parameter of the financial transaction apparatus according to the environmental factor information
Adjustment.
7. the business processing device of financial transaction apparatus according to claim 6, it is characterised in that the Business Processing ginseng
Number includes following at least one:Business Processing type, maximum withdrawal limit and maximum deposit limit.
8. the business processing device of financial transaction apparatus according to claim 7, it is characterised in that the business reorganization mould
Block includes:
Temporal information judging unit, for according to financial transaction apparatus current time information, judging whether in Preset Time model
In enclosing;
Top limit raises unit, if be in preset time range for current time information, raises maximum limit of withdrawing the money
Volume.
9. the business processing device of financial transaction apparatus according to claim 8, it is characterised in that the business reorganization mould
Block includes:
Device type judging unit, for according to financial transaction apparatus current geographic position information, judging that the financial transaction sets
Standby device type, the device type is included from line ATM and in line ATM;
Top limit determining unit, for determining that the financial transaction sets according to the device type and the current time information
Standby maximum withdrawal limit.
10. the business processing device of financial transaction apparatus according to claim 9, it is characterised in that the top limit
Determining unit specifically for:
If the financial transaction apparatus are from line ATM, the financial transaction apparatus are set in the range of whole day 24 hours
It is provided which the first maximum withdrawal limit;
If the financial transaction apparatus are in line ATM, it is bank's net to set the financial transaction apparatus in current time
Second maximum withdrawal limit is provided in the point business hours, the first maximum withdrawal limit is provided in bank outlets' non operation time,
And the first maximum withdrawal limit is more than the described second maximum withdrawal limit.
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CN201710038677.8A CN106846665B (en) | 2017-01-19 | 2017-01-19 | A kind of method for processing business and device of financial transaction apparatus |
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CN201710038677.8A CN106846665B (en) | 2017-01-19 | 2017-01-19 | A kind of method for processing business and device of financial transaction apparatus |
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CN106846665B CN106846665B (en) | 2019-10-11 |
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CN105190674A (en) * | 2013-05-10 | 2015-12-23 | 欧保能源公司 | A method of tracking and reporting energy performance for businesses |
CN106022600A (en) * | 2016-05-18 | 2016-10-12 | 上海鼎数信息技术有限公司 | Method for determining cash supplement strategy of multiple cash flow stations in specific period |
US20160371754A1 (en) * | 2012-08-30 | 2016-12-22 | Ivsc Ip Llc | Transportation control and regulation system and method for for-hire vehicles |
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2017
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Patent Citations (5)
Publication number | Priority date | Publication date | Assignee | Title |
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CN102800026A (en) * | 2012-06-14 | 2012-11-28 | 上海市电力公司 | Method for improving balance between supply and demand for electricity business hall |
US20160371754A1 (en) * | 2012-08-30 | 2016-12-22 | Ivsc Ip Llc | Transportation control and regulation system and method for for-hire vehicles |
CN105190674A (en) * | 2013-05-10 | 2015-12-23 | 欧保能源公司 | A method of tracking and reporting energy performance for businesses |
CN104424598A (en) * | 2013-09-06 | 2015-03-18 | 株式会社日立制作所 | Cash demand quantity predicating device and method |
CN106022600A (en) * | 2016-05-18 | 2016-10-12 | 上海鼎数信息技术有限公司 | Method for determining cash supplement strategy of multiple cash flow stations in specific period |
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