CN108717758B - Operation system of business network of non-high-cabinet bank - Google Patents
Operation system of business network of non-high-cabinet bank Download PDFInfo
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- CN108717758B CN108717758B CN201810912077.4A CN201810912077A CN108717758B CN 108717758 B CN108717758 B CN 108717758B CN 201810912077 A CN201810912077 A CN 201810912077A CN 108717758 B CN108717758 B CN 108717758B
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- 238000012545 processing Methods 0.000 claims abstract description 56
- 238000013475 authorization Methods 0.000 claims abstract description 3
- 238000012795 verification Methods 0.000 claims abstract description 3
- 238000009434 installation Methods 0.000 claims description 2
- 230000002093 peripheral effect Effects 0.000 claims description 2
- 230000001815 facial effect Effects 0.000 claims 1
- 238000010276 construction Methods 0.000 abstract description 6
- 238000000926 separation method Methods 0.000 abstract description 2
- 238000004891 communication Methods 0.000 abstract 1
- 238000011161 development Methods 0.000 description 3
- RWSOTUBLDIXVET-UHFFFAOYSA-N Dihydrogen sulfide Chemical compound S RWSOTUBLDIXVET-UHFFFAOYSA-N 0.000 description 2
- 230000000694 effects Effects 0.000 description 2
- 230000003203 everyday effect Effects 0.000 description 2
- 238000000034 method Methods 0.000 description 2
- 210000003462 vein Anatomy 0.000 description 2
- 239000002699 waste material Substances 0.000 description 2
- 230000009286 beneficial effect Effects 0.000 description 1
- 230000005540 biological transmission Effects 0.000 description 1
- 230000002354 daily effect Effects 0.000 description 1
- 230000007547 defect Effects 0.000 description 1
- 238000010586 diagram Methods 0.000 description 1
- 239000011521 glass Substances 0.000 description 1
- 230000001105 regulatory effect Effects 0.000 description 1
- 230000001502 supplementing effect Effects 0.000 description 1
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]
- G07F19/201—Accessories of ATMs
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- G—PHYSICS
- G07—CHECKING-DEVICES
- G07F—COIN-FREED OR LIKE APPARATUS
- G07F19/00—Complete banking systems; Coded card-freed arrangements adapted for dispensing or receiving monies or the like and posting such transactions to existing accounts, e.g. automatic teller machines
- G07F19/20—Automatic teller machines [ATMs]
- G07F19/206—Software aspects at ATMs
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- Business, Economics & Management (AREA)
- Accounting & Taxation (AREA)
- Finance (AREA)
- Physics & Mathematics (AREA)
- General Physics & Mathematics (AREA)
- Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)
- Control Of Vending Devices And Auxiliary Devices For Vending Devices (AREA)
Abstract
The invention discloses a business website operation system of a non-high-cabinet bank, which comprises a plurality of service terminals, wherein the service terminals are divided into two types, namely a cash processing terminal and a non-cash processing terminal; the cash processing terminal at least comprises an electronic transaction terminal and a cash machine tool, and is used for transacting cash business; the cashless processing terminal is an electronic transaction terminal or a combination of the electronic transaction terminal and cashless equipment and is used for cashless business handling; the electronic transaction terminal is provided with an input device and a user identity recognition device, and is used for creating or modifying client account information, carrying out service authorization processing or client identity verification; the cash processing terminal is in communication connection with the cashless processing terminal. The invention realizes account and entity separation, changes the traditional bank website operation mode on the premise of ensuring cash safety, realizes the purpose of no-high-cabinet operation, greatly reduces the construction and operation cost of the website and saves manpower.
Description
Technical Field
The invention relates to a financial website operation system, in particular to a bank non-high-cabinet business website operation system.
Background
At present, banking outlets are mostly combined by combining a high-cabinet counter and a low-cabinet counter, so that clients can handle related businesses. The high counter handles mainly business involving cash and the low counter handles mainly non-cash business. According to national relevant standard regulations, the structure and glass of the high-cabinet counter are required to reach explosion-proof standards, so that the configuration cost is high; the teller of the high-cabinet counter needs to get up and pay cash objects every day, and the teller checks and checks at the end of the day, so that the working flow is complex and complicated; meanwhile, as cash business is involved, cash escort needs to be carried out in the morning and evening every day, so that the transportation cost is increased; the cash is required to be checked before and after the business of the bank is finished, and a great deal of manpower and time cost are consumed. In addition, for some large business sites, a large number of high cabinets are built, but with the vigorous development of electronic commerce, cash business to be carried out is smaller, and the large number of high cabinets occupy space and waste construction cost, so that great resource waste is caused.
Aiming at the situation, the banking industry currently generally considers that development of no high cabinets is required to be promoted, but the rough cancellation of high cabinets directly influences the development of cash business, and obviously is not a solution to the problem. After the high-level cabinets are canceled, various cash and cashless services can be normally developed under the condition meeting the regulatory regulations, the constraint of the website scale is eliminated, and the handling requirements of all services are met, so that the attraction to the depositors becomes a great problem to be solved currently and urgently.
Disclosure of Invention
The invention aims to: the invention aims to provide the bank non-high-cabinet business network operation system which has the advantages of simple structure, low construction cost, simplified business flow, low cost and high efficiency, and aims to overcome the defects of the prior art.
The technical scheme is as follows: the invention relates to a business website operation system of a non-high-cabinet bank, which comprises a plurality of service terminals, wherein the service terminals are divided into two types, namely a cash processing terminal and a non-cash processing terminal;
the cash processing terminal at least comprises an electronic transaction terminal and a cash machine tool, and is used for transacting cash business; the cashless processing terminal is an electronic transaction terminal or a combination of the electronic transaction terminal and cashless equipment and is used for transacting cashless business;
the electronic transaction terminal is provided with an input device and a user identity recognition device, and is used for creating or modifying client account information, carrying out service authorization processing or client identity verification;
the cash processing terminal and the cashless processing terminal are connected to the same software system. In the operation system of the invention, cash transaction is completed by the cash processing terminal, and the cash processing terminal can process paper currency, coins, home currency, foreign currency, damaged currency, counterfeit currency and the like, thereby achieving the aim of no high-cabinet.
In order to ensure the safety of user assets and the user, the invention further preferably adopts the technical scheme that the installation mode of each cash processing terminal meets the safety requirement, and one or more cash processing terminals form a website cash processing center. The user completes the cash processing at the cash processing center.
The cash processing terminal is formed by combining an electronic transaction terminal and an additional paper money or coin machine tool, and can meet the processing requirements of all cash in a website.
The cash processing terminal can also be formed by combining an ATM (automatic teller machine) or a CRS (customer service center) and additional peripheral equipment, and the original ATM or CRS is utilized to be transformed into a novel cash transaction terminal, so that construction cost is saved.
The present invention further preferably provides that various types of cashless processing terminals are combined with each other to form different areas, such as: a service desk, a query service area, a non-incumbent business handling area, a VIP room, etc.
The cashless machine is one or more of a card sender, a receipt/transmission machine, a U-key dispenser or a gift dispenser.
Unlike a cash handling terminal, the cashless electronic transaction terminal may be a wireless handheld electronic transaction terminal, which is convenient for a website staff to assist a user in handling cashless services, such as: query, create modified account numbers, etc.
The network site operation system of the invention is particularly important for authentication of user identity in business handling because of eliminating a high-level cabinet, and the user identity recognition equipment of the electronic transaction terminal is information acquisition equipment and/or biological characteristic acquisition equipment.
Preferably, the information acquisition device is one or more of an identity card reader, a two-dimensional code reader, a bank card reader and a passbook reader, and the biological characteristic acquisition device is one or more of a fingerprint reader, a face recognition machine and an iris reader.
In order to facilitate the operation of users and facilitate the users with different demands, the input equipment of the electronic transaction terminal is one or more of a mouse, a keyboard, a virtual keyboard, a touch display screen and audio input.
The beneficial effects are that: the invention relates to a business website operation system of a non-high-cabinet bank, which comprises a plurality of service terminals, wherein the service terminals are divided into two types of cash processing terminals and non-cash processing terminals. The cash processing terminal is used for processing cash business for users, the non-cash processing terminal is used for processing non-cash business for users, and the operation mode of the website is changed, but the operation system of the invention is not used for roughly removing the high cabinet, and is not used for replacing the traditional teller simply, the cash processing terminal is formed by combining the electronic transaction terminal and a cash machine, the cash processing terminal can directly handle the cash business and can also be used for realizing account separation in an order mode, various cash business is handled by using the non-cash processing terminal, the operation mode of the website of the traditional banking is changed, and the purpose of the operation of the website of the non-high cabinet is realized on the basis of distinguishing the form and the construction mode of the website of the traditional banking; the invention does not set up the high cabinet, the direct effect is that the construction and operation cost of the website is greatly reduced, the manpower is saved, the user handles various services (including cash service and cashless service) by oneself, and the teller only needs to carry out auxiliary work; in an indirect effect, the advantages of the traditional ATM or CRS are also reflected due to the adoption of machine cashing, the bank does not need to count and transport cash daily, the count and transport times are reduced, and a large amount of repeated labor force and transport cost are saved.
In addition, the cash processing terminal and the cashless processing terminal are arranged in a modularized mode, all parts are standard functional modules, and the network points can be freely combined and flexibly assembled according to own business requirements to establish standardized business network points which have characteristics and meet own requirements.
Drawings
Fig. 1 is a schematic structural diagram of an electronic transaction terminal according to the present invention.
Detailed Description
The technical scheme of the invention is described in detail below through the drawings, but the protection scope of the invention is not limited to the embodiments.
Examples: the operation system of the non-high-cabinet bank business website comprises a plurality of service terminals, wherein the service terminals are divided into two types of cash processing terminals and non-cash processing terminals.
The cash processing terminal at least comprises an electronic transaction terminal 1 and a cash machine for transacting cash business. The cash machine can be a paper money or coin counting machine, and also can be an ATM machine or a CRS machine. Each cash processing terminal is installed in a mode meeting the safety requirements, and one or more cash processing terminals form a cash processing center.
The cashless processing terminal is an electronic transaction terminal 1, or a combination of the electronic transaction terminal 1 and a cashless instrument, for cashless business transaction. The independent electronic transaction terminal 1 can be a wireless handheld electronic transaction terminal, and is used as handheld equipment of a teller for assisting the user in transacting various services. The electronic transaction terminal 1 is combined with the card sender and is used for creating a new user, transacting cards for the new user or supplementing new cards; the electronic transaction terminal 1 is combined with the deposit receipt/sending machine to transact the account entry business and deposit receipt/sending business of cash after being deposited into the cash processing terminal for the user; the electronic transaction terminal 1 is combined with the U-key issuing machine to transact related services such as opening and selling of an online bank and U-key issuing for a user; the combination of the electronic transaction terminal 1 and the gift issuing machine handles business such as inquiring and exchanging points for users. The combination of the electronic transaction terminal 1 and the different cashless instruments forms cashless processing terminals of different functions, one or more cashless processing terminals constituting a cashless business handling service area.
The electronic transaction terminals 1 of the cash processing terminal and the cashless processing terminal are provided with an input device and a user identification device for creating or modifying customer account information or transacting authorized business processes. The input device of the electronic transaction terminal 1 is one or more of a mouse, a keyboard, a virtual keyboard, a touch display screen and audio input. The user identification device of the electronic transaction terminal 1 is an information acquisition device and/or a biometric acquisition device. The information acquisition equipment is one or more of an identity card reader, a two-dimensional code reader, a bank card reader and a passbook reader, and the biological characteristic acquisition equipment is one or more of a fingerprint reader, a face recognition machine, a finger vein recognition machine and an iris reader.
In this embodiment, the input device of the electronic transaction terminal 1 is a combination of a touch display 2, a keyboard 3 and an audio input 4. The information collecting device is a combination of an identity card reader 5, a bank card reader 6 and a passbook reader 7. The biological characteristic collecting device is a combination of a fingerprint reader 8, a face recognition machine 9 and a finger vein recognition machine 10.
The cash handling terminal and the cashless handling terminal access the same software system.
As described above, although the present invention has been shown and described with reference to certain preferred embodiments, it is not to be construed as limiting the invention itself. Various changes in form and details may be made therein without departing from the spirit and scope of the invention as defined by the appended claims.
Claims (6)
1. The operation system of the non-high-cabinet bank business website is characterized by comprising a plurality of service terminals, wherein the service terminals are divided into two types, namely a cash processing terminal and a non-cash processing terminal;
the cash processing terminal at least comprises an electronic transaction terminal and a cash machine tool, and is used for transacting cash business; the cashless processing terminal is an electronic transaction terminal or a combination of the electronic transaction terminal and cashless equipment and is used for transacting cashless business;
the electronic transaction terminal is provided with an input device and a user identity recognition device, and is used for creating or modifying client account information, carrying out service authorization processing or client identity verification;
the cash processing terminal and the cashless processing terminal are connected into the same software system;
the installation mode of each cash processing terminal meets the safety requirement, and one or more cash processing terminals form a cash processing center of a website;
the cash processing terminal is formed by combining an electronic transaction terminal and an additional paper money or coin machine;
the cash handling terminal is formed by an ATM machine or CRS machine in combination with additional peripherals.
2. The cashless banking outlet operating system of claim 1, wherein the cashless instrument is one or more of a card dispenser, a deposit receipt/dispensing machine, a U-key dispensing machine, or a gift dispensing machine.
3. The cashless banking outlet operating system of claim 1, wherein the cashless processing terminal is a wireless handheld electronic transaction terminal.
4. The system of claim 1, wherein the user identification device of the electronic transaction terminal is an information collection device and/or a biometric collection device.
5. The system of claim 4, wherein the information collection device is one or more of an identification card reader, a two-dimensional code reader, a bank card reader, or a passbook reader, and the biometric collection device is one or more of a fingerprint reader, a facial recognition machine, or an iris reader.
6. The system of claim 1, wherein the input device of the electronic transaction terminal is one or more of a mouse, a keyboard, a virtual keyboard, a touch display screen, and an audio input.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201810912077.4A CN108717758B (en) | 2018-08-10 | 2018-08-10 | Operation system of business network of non-high-cabinet bank |
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201810912077.4A CN108717758B (en) | 2018-08-10 | 2018-08-10 | Operation system of business network of non-high-cabinet bank |
Publications (2)
| Publication Number | Publication Date |
|---|---|
| CN108717758A CN108717758A (en) | 2018-10-30 |
| CN108717758B true CN108717758B (en) | 2023-12-12 |
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| Application Number | Title | Priority Date | Filing Date |
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| CN201810912077.4A Active CN108717758B (en) | 2018-08-10 | 2018-08-10 | Operation system of business network of non-high-cabinet bank |
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Families Citing this family (1)
| Publication number | Priority date | Publication date | Assignee | Title |
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| CN111462419B (en) * | 2020-04-14 | 2022-01-07 | 长城信息股份有限公司 | Intelligent self-service terminal equipment for realizing integration and modularization of bank outlets |
Citations (5)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| KR20030067018A (en) * | 2002-02-06 | 2003-08-14 | 주식회사 쓰리비 시스템 | electronic bankbook and bank business system using it |
| CN101694710A (en) * | 2009-09-28 | 2010-04-14 | 广州市国安信息工程有限公司 | Electronic transaction counter service system and realization method |
| AU2012203642A1 (en) * | 2006-03-15 | 2012-07-12 | Qualcomm Incorporated | M-commerce virtual cash system, method, and apparatus |
| CN205263958U (en) * | 2015-12-16 | 2016-05-25 | 南京合荣欣业信息技术有限公司 | Machines are handled with automatic cash of cashier's disconnect -type to book keeping operation |
| CN208766784U (en) * | 2018-08-10 | 2019-04-19 | 南京合荣欣业信息技术有限公司 | A kind of no high cube container bank agency operation system |
-
2018
- 2018-08-10 CN CN201810912077.4A patent/CN108717758B/en active Active
Patent Citations (5)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| KR20030067018A (en) * | 2002-02-06 | 2003-08-14 | 주식회사 쓰리비 시스템 | electronic bankbook and bank business system using it |
| AU2012203642A1 (en) * | 2006-03-15 | 2012-07-12 | Qualcomm Incorporated | M-commerce virtual cash system, method, and apparatus |
| CN101694710A (en) * | 2009-09-28 | 2010-04-14 | 广州市国安信息工程有限公司 | Electronic transaction counter service system and realization method |
| CN205263958U (en) * | 2015-12-16 | 2016-05-25 | 南京合荣欣业信息技术有限公司 | Machines are handled with automatic cash of cashier's disconnect -type to book keeping operation |
| CN208766784U (en) * | 2018-08-10 | 2019-04-19 | 南京合荣欣业信息技术有限公司 | A kind of no high cube container bank agency operation system |
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| CN108717758A (en) | 2018-10-30 |
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