CN109919755A

CN109919755A - Mobile banking's dot data processing method, server and system

Info

Publication number: CN109919755A
Application number: CN201910117297.2A
Authority: CN
Inventors: 王雪; 王铮; 张立强
Original assignee: Bank of China Ltd
Current assignee: Bank of China Ltd
Priority date: 2019-02-15
Filing date: 2019-02-15
Publication date: 2019-06-21

Abstract

This specification embodiment discloses a kind of mobile banking's dot data processing method, server and system, the method includes clients to be sent to server for business handling request, and the business handling request includes customer information, target position information and business information to be handled；Server determines mobile banking site to be dispatched according to the target position and business information to be handled, and sends dispatch command to the bank outlets to be dispatched；The bank outlets to be dispatched respond the dispatch command, and go to the target position；It is described when dispatching mobile banking, the arrival target position, site when determining, the identity data of bank outlets' acquisition client to be dispatched simultaneously is transferred to the server, and server carries out authentication to client according to the customer information and the identity data of acquisition；The mobile banking site receives client identity verification result, and authentication result be by when, allow client to carry out business handling.

Description

Mobile banking's dot data processing method, server and system

Technical field

The present invention relates to computer data processing technology fields, particularly, are related to a kind of mobile banking's dot data processing Method, server and system.

Background technique

Bank is proposed a variety of Internet-based banking services at present, and client can be allowed to pass through internet anywhere or anytime and handle bank Business.But due to complicated internet environment and the needs of bank's own service management, so that Internet-based banking services can not Traditional counter service is substituted completely.

And the ATM of backing entity site, intelligent sales counter, VR/AR experience area and can be only placed in backing entity site, can not take Band and movement, needing client to come to fixed site personally could transacting business.Although mobile terminal and mobile sales counter can carry, Need manually to be carried by special, while increasing cost of labor, also seriously affected banking handle it is convenient Property.Therefore, how much sooner, easily provide banking for client and handle service, become technical problem urgently to be resolved.

Summary of the invention

This specification embodiment is designed to provide a kind of mobile banking's dot data processing method, server and is System, can safely and effectively realize mobile, timeliness and convenience that banking is handled.

It is to include as under type is real that this specification, which provides a kind of mobile banking's dot data processing method, server and system, Existing:

A kind of mobile banking's dot data processing method, comprising:

Business handling request is sent to server by client, and the business handling request includes customer information, target position Confidence breath and business information to be handled；

Server determines mobile banking site to be dispatched according to the target position and business information to be handled, and to institute It states bank outlets to be dispatched and sends dispatch command；

The bank outlets to be dispatched respond the dispatch command, and go to the target position；

It is described when dispatching mobile banking, the arrival target position, site when determining, bank outlets' acquisition to be dispatched The identity data of client is simultaneously transferred to the server, so that the server is according to the customer information and the identity of acquisition Data carry out authentication to client；

The mobile banking site receives the client identity verification result of the server feedback, and in authentication result For by when, allow client carry out business handling.

On the other hand, this specification also provides a kind of mobile banking's dot data processing method, comprising:

Business handling request is received, the business handling request is including customer information, target position information and wait handle Business information；

Within the scope of preset schedule, determination is in idle condition and the relatively described target position is moved apart from the smallest top n Dynamic bank outlets, as candidate mobile banking site；

Judge that the candidate mobile banking site is configured according to the service configuration information of the candidate mobile banking site Business datum whether cover the business information to be handled, obtain the first judging result；

If the first judging result be it is yes, the candidate mobile banking site is determined as mobile banking's net to be dispatched Point；

Dispatch command is sent to the mobile banking site to be dispatched, so that the mobile banking site to be dispatched responds institute State business handling request.

It is described to determine the candidate mobile banking site in another embodiment of the method that this specification provides For mobile banking site to be dispatched, comprising:

Whether the electricity of vehicle meets roundtrip where judging the candidate mobile banking site, obtains the second judgement knot Fruit；

If the second judging result be it is yes, the candidate mobile banking site is determined as mobile banking's net to be dispatched Point.

In another embodiment of the method that this specification provides, the determination is in idle condition and relatively described Target position is apart from the smallest top n mobile banking site, as candidate mobile banking site, comprising:

Outside radiativity searches for fixed site centered on the target position, be laid in the fixed site one or The multiple mobile banking sites of person；

The mobile banking site in first fixed site that traversal search arrives, it is determined whether exist and be in idle condition Mobile banking site determines next fixed site if it does not exist, then continuing searching, and traverses the movement in the fixation site Bank outlets, until the mobile banking site for determining to be in idle condition；

Using the mobile banking site being in idle condition determined as candidate mobile banking site.

In another embodiment of the method that this specification provides, before the reception business handling request, also wrap It includes:

One of business function coverage rate, historical data and client feedback information according to bank self-aid apparatus or Classify a variety of pairs of mobile banking sites.

In another embodiment of the method that this specification provides, the business information to be handled includes industry to be handled Service type；

It is described to transacting business letter whether the business datum for judging that the candidate mobile banking site is configured covers Breath includes: to judge whether the type of the candidate mobile banking site is adapted with the type of service to be handled.

According to historical data and/or client feedback information to the quantity of mobile banking site all types of in fixed site into Mobile state configuration.

It is described each in site to fixing according to historical data in another embodiment of the method that this specification provides The quantity of the mobile banking site of type is configured, comprising:

The historical data for counting preset data type, based on the polynomial mathematical model constructed in advance to the historical data Fitting of a polynomial is carried out, multinomial coefficient is sought:

P=polyfit (x, Y (A), n)

Wherein, p is the system of polynomials number vector of power from high to low, and polyfit is polynomial fitting, is constructed in advance Polynomial mathematical model are as follows:

Y (A)=p (1) * xⁿ+p(2)*x^(n-1)+......+p(n)*x+p(n+1)

Wherein, Y (A) represents the demand of the mobile banking site of type-A, and x represents the sampling time, and n is polynomial time Number, p (n) are multinomial coefficient；

The multinomial coefficient sought is substituted into the polynomial mathematical model, obtain the mobile banking site of respective type with The relational model of time；

Mobile banking's dot number all types of in fixed site is configured according to the relational model.

In another embodiment of the method that this specification provides, the method also includes:

Receive the response results of the mobile banking site feedback to be dispatched；

When the response results are to receive scheduling, the real time position letter of the mobile banking site feedback to be dispatched is received Breath, and the ID of the mobile banking site to be dispatched and real-time position information are sent to client, to be opened up to client Show.

Receive the customer identification data of the mobile banking site acquisition to be dispatched；

Transfer customer identification data collection according to the customer information, and by the customer identification data of the acquisition with it is described Identity data collection is compared, and obtains client identity verification result；

The client identity verification result is fed back into the mobile banking site to be dispatched, so that the movement to be dispatched Bank outlets verification result be by when, allow client carry out business handling.

On the other hand, this specification also provides a kind of server, and the server includes:

First data reception module, for receiving business handling request, the business handling request includes customer information, mesh Cursor position information and business information to be handled；

Scheduling result determining module, for determining mobile banking according to the business handling request and preset schedule algorithm Site scheduling result, comprising:

Candidate site determination unit, within the scope of preset schedule, determination is in idle condition and the relatively described target Positional distance the smallest top n mobile banking site, as candidate mobile banking site；

Business matching unit, for judging the candidate shifting according to the service configuration information of the candidate mobile banking site Whether the business datum that dynamic bank outlets are configured covers the business information to be handled, and obtains the first judging result；

Scheduling result determination unit, if for the first judging result be it is yes, the candidate mobile banking site is true It is set to mobile banking site to be dispatched；

Instruction sending module, for sending dispatch command to the mobile banking site to be dispatched, so that described wait dispatch Mobile banking site responds the business handling request.

In another embodiment for the server that this specification provides, the server further include:

Categorization module, for being believed according to the business function coverage rate, historical data and client feedback of bank self-aid apparatus One or more of breath classifies to mobile banking site.

Resource configuration module, for according to historical data and/or client feedback information to shifting all types of in fixed site The quantity of dynamic bank outlets carries out dynamic configuration.

First authentication module, for receiving the customer identification data of mobile banking site acquisition, and according to the visitor Family information transfers the identity data collection of client, and the customer identification data of the acquisition and the identity data collection are compared It is right, obtain client identity verification result.

On the other hand, this specification also provides a kind of server, and the server includes call request receiving module, scheduling Module, instruction sending module, real time information update module, basic information maintenance module and data analysis module, wherein

The call request receiving module includes that client believes for receiving business handling request, the business handling request Breath, target position information and business information to be handled；

The basic information maintenance module is used to store the basic information of each mobile banking site, the basic information packet Include ID, type, state and the affiliated administrative site of mobile banking site；

The real time information update module is for receiving the real time information from mobile banking, end, site, the real time information ID, real time position comprising mobile banking site, real time electrical quantity；

The scheduler module is used to obtain the base from the basic information maintenance module and real time information update module Plinth information and real time information carry out the scheduling of mobile banking site according to the basic information and real time information；

Described instruction sending module is used to issue to mobile banking site to be dispatched and instruct, and described instruction includes target position Information；

The data analysis module is used for the class according to historical data and/or client feedback information to mobile banking site Type, quantity are configured.

Business handling request is sent to server, so that the server requests to determine mobile silver according to the business handling Row scheduling result, the business handling request includes customer information, target position information and business information to be handled；

Mobile banking's site scheduling result of the server feedback is received, the scheduling result includes bank's net to be dispatched The response results of point, ID, real time position, wherein the bank outlets to be dispatched are by the server according to the target position And business information to be handled determines；

To scheduling result described in present customers, so that the client determines mobile banking to be dispatched according to the scheduling result When site reaches the target position, business handling is carried out using the mobile banking site to be dispatched.

On the other hand, this specification also provides a kind of client, and the client includes:

Data transmission blocks, for sending business handling request to server, so that the server is according to the business Handle request and determine mobile banking's scheduling result, business handling request include customer information, target position information and to Transacting business information；

Second data reception module, for receiving mobile banking's site scheduling result of the server feedback, the tune Spend result include the ID of bank outlets to be dispatched, real time position, wherein the bank outlets to be dispatched by the server according to The target position and business information to be handled determine；

Display module is used for scheduling result described in present customers, so that the client determines according to the scheduling result When reaching the target position wait dispatch mobile banking site, business handling is carried out using the mobile banking site to be dispatched.

On the other hand, this specification also provides a kind of client, and the client includes call request sending module, in real time Module, service evaluation module are checked in position, wherein

The call request sending module is used to business handling request being sent to server, the business handling request packet Include customer information, target position information and business information to be handled；

Vehicle where the real time position checks mobile banking site to be dispatched of the module for receiving server feedback License plate number and real time position, and be shown to client；

The service evaluation module is used to the evaluation information that client handles service to banking being sent to server.

The dispatch command that server is sent is received, the dispatch command by the server ask based on the received by business handling Target position and business information to be handled in asking determine；

The dispatch command is responded, so that the target position is gone in mobile banking site；

When determining that mobile banking site reaches the target position, the identity data of client is acquired, and is sent to described Server so that the server based on the received business handling request in customer information and acquisition identity data to visitor Family carries out authentication；

Receive the authentication of the server feedback as a result, when authentication result be by when, allow client carry out Business handling.

On the other hand, this specification also provides a kind of mobile banking site, and the mobile banking site includes:

Respond module is instructed, for receiving the dispatch command of server transmission, the dispatch command is by the server root According in received business handling request target position and business information to be handled determine, and respond the dispatch command, with Mobile banking site is set to go to the target position；

Real time information sending module, for response results, ID, real time position and real time electrical quantity to be sent to the service Device；

Second authentication module for acquiring the identity data of client, and the identity data of acquisition is sent to described Server, and receive the server feedback authentication as a result, when authentication result be by when, allow client into Enter and transacting business；

Exception monitoring module, for obtain mobile banking site inside the vehicle and the testing result of surrounding, when going out When existing abnormal conditions, alarm to the point of administrative network belonging to mobile banking site.

On the other hand, this specification also provides a kind of mobile banking site, and the mobile banking site includes banking Handle terminal, identity recognition instrument and multiple cameras, wherein

The banking handles terminal and is laid in the mobile banking site institute inside the vehicle, carries out silver for client Row business handling；

Where the identity recognition instrument is laid in the mobile banking site at the car door of vehicle, for acquiring the body of client Part data, and be transferred to server, and receive server feedback authentication as a result, and, when the verification result is logical It is out-of-date, it can control car door opening；

Where the camera is laid in the mobile banking site inside or around vehicle, for vehicle interior Or surrounding is monitored, and in real time by monitoring data transmission to server.

On the other hand, this specification also provides a kind of mobile banking's dot data processing system, the mobile banking site Data processing system may include at least one processor and the memory for storing computer executable instructions, the processor The step of realizing any one described above-mentioned embodiment the method when executing described instruction.

A kind of mobile banking's dot data processing method that this specification one or more embodiment provides server and is System, can be mounted on autonomous driving vehicle by the way that banking is handled terminal, form mobile banking site.Client can lead to It crosses client and initiates business handling request.Bank server receive business handling request after, can be to target position near Mobile banking site is scheduled, and reaches client so that meeting the mobile banking site of business handling demand with most fast speed In front.When determining that mobile banking site reaches required target position, mobile banking site can acquire the identity of client Data, and it is sent to bank server, authentication is carried out to client by bank server, and verification result is fed back into movement Bank outlets.After authentication passes through, client, which can enter, carries out business handling in the mobile banking site.Utilize this explanation Book embodiment can safely and effectively realize mobile, timeliness and convenience that banking is handled.

Detailed description of the invention

In order to illustrate more clearly of this specification embodiment or technical solution in the prior art, below will to embodiment or Attached drawing needed to be used in the description of the prior art is briefly described, it should be apparent that, the accompanying drawings in the following description is only The some embodiments recorded in this specification, for those of ordinary skill in the art, in not making the creative labor property Under the premise of, it is also possible to obtain other drawings based on these drawings.In the accompanying drawings:

Fig. 1 is the flow diagram that business handling is carried out based on mobile banking site that this specification provides；

Fig. 2 is a kind of flow diagram for mobile banking's dot data processing method embodiment that this specification provides；

Fig. 3 is mobile banking's site scheduling flow schematic diagram in one embodiment that this specification provides；

Fig. 4 is that the mobile banking site in another embodiment that this specification provides belongs to configuration example schematic diagram；

Fig. 5 is the flow diagram for another mobile banking's dot data processing method embodiment that this specification provides；

Fig. 6 is the flow diagram for another mobile banking's dot data processing method embodiment that this specification provides；

Fig. 7 is the flow diagram for another mobile banking's dot data processing method embodiment that this specification provides；

Fig. 8 is the flow diagram for another mobile banking's dot data processing method embodiment that this specification provides；

Fig. 9 is the modular structure schematic diagram of the mobile banking site in another embodiment that this specification provides；

Figure 10 is the modular structure schematic diagram of the mobile banking site in another embodiment that this specification provides；

Figure 11 is the structural schematic diagram of the mobile banking site in another embodiment that this specification provides；

Figure 12 is the modular structure schematic diagram of the server in another embodiment that this specification provides；

Figure 13 is the modular structure schematic diagram of the server in another embodiment that this specification provides；

Figure 14 is the modular structure schematic diagram of the server in another embodiment that this specification provides；

Figure 15 is the modular structure schematic diagram of the client in another embodiment that this specification provides；

Figure 16 is the modular structure schematic diagram of the client in another embodiment that this specification provides；

Figure 17 is the modular structure schematic diagram of the client in another embodiment that this specification provides；

Figure 18 is mobile banking's dot data processing system structural representation in another embodiment that this specification provides Figure.

Specific embodiment

In order to make those skilled in the art more fully understand the technical solution in this specification, below in conjunction with this explanation Attached drawing in book one or more embodiment carries out the technical solution in this specification one or more embodiment clear, complete Site preparation description, it is clear that described embodiment is only specification a part of the embodiment, instead of all the embodiments.Based on saying Bright book one or more embodiment, it is obtained by those of ordinary skill in the art without making creative efforts all The range of this specification example scheme protection all should belong in other embodiments.

Currently, the ATM of backing entity site, intelligent sales counter, VR/AR experience area and can be only placed in backing entity site, nothing Method carries and movement, and needing client to come to fixed site personally could transacting business.Although mobile terminal and mobile sales counter can carry, But need manually to be carried by special, while increasing cost of labor, also seriously affect what banking was handled Convenience.Correspondingly, this specification embodiment provides a kind of mobile banking's dot data processing method, it can be more efficient Realize mobile, timeliness and convenience that banking is handled.

Before being explained in detail explanation to this specification embodiment, first to the system architecture of this specification embodiment and answering Simple introduction is done with scene.This specification mobile banking site as described in the examples can be a kind of terminal device, for ringing The dispatch command of server is answered, to realize handling for banking.The mobile banking site can be moveable banking Terminal device is handled in business, and the scheduling that can respond bank server is moved to target position, carries out business handling for target user.It is excellent Choosing, it can also be mounted on autonomous driving vehicle by the way that banking is handled terminal, form mobile banking site.Client can To initiate business handling request by client, the client can be mobile phone, computer, PAD or wearable device etc..

Client can request the business handling to be sent to bank server, and bank server is receiving business handling After request, the mobile banking site near target position can be scheduled, so that meeting the movement of business handling demand Bank outlets can be reached in face of client with most fast speed.Target position required by determining that mobile banking site reaches When, mobile banking site can acquire the identity data of client, and be sent to bank server, by bank server to client into Row authentication, and verification result is fed back into mobile banking site.After authentication passes through, client can enter the movement Business handling is carried out in bank outlets.

Fig. 1 shows the flow diagrams that the method using this specification embodiment carries out business handling.It is mobile with reference to Fig. 1 Vehicle where bank outlets, which can usually stop waiting, is stopping waiting a waiting scheduling, after client passes through client calls, mobile banking Site receives dispatch command, sails out of and stops waiting the target position that website leaves for client's reservation.Behind in-position, customer authentication identity It gets on the bus, in the car transacting business.Meanwhile bank can also to client carry out intelligent marketing, when necessary can also be with personnel assigned before It is past, carry out artificial Site Service.After business handling terminates or services, when determining that client leaves vehicle, vehicle return stops Point is waited to await orders.Using the method for the offer of this specification embodiment, can effectively realize mobile that banking is handled and When property and convenience.

Fig. 2 is a kind of mobile banking's dot data processing method embodiment flow diagram that this specification provides. Although present description provides as the following examples or method operating procedure shown in the drawings or apparatus structure, based on conventional or Person may include less operating procedure after more or partially merging in the method or device without creative labor Or modular unit.In the step of there is no necessary causalities in logicality or structure, the execution sequence or dress of these steps The modular structure set is not limited to this specification embodiment or execution shown in the drawings sequence or modular structure.The method or mould Device in practice, server or the end product of block structure are in application, can be according to embodiment or side shown in the drawings Method or modular structure carry out sequence execution parallel execute (such as the environment, even of parallel processor or multiple threads Implementation environment including distributed treatment, server cluster).

Specific one embodiment as shown in Fig. 2, mobile banking's dot data processing method that this specification provides one In a embodiment, the method may include:

S202: business handling request is sent to server by client, and the business handling request includes customer information, mesh Cursor position information and business information to be handled.

The business handling request that client initiates can be sent to bank's background server by client.Some embodiments In, the business handling request may include customer information, target position information and business information to be handled etc..

The customer information may include cell-phone number, identification card number, Bank Account Number, the biology that client is inputted by client The one or more information such as characteristic information.Then, the identity information communication information is sent to bank together by client Server.

Server end can determine client identity according to the family information, and further obtain the other information of client.One In a little embodiments, the identity information data collection for the client being stored in advance in server can be such as transferred, for utilizing shifting Dynamic bank outlets carry out identity comparison when business handling.It is of course also possible to transfer the other information of client, such as client Grade, customer historical transaction data etc..

The target position information may include that client is inputted by client or positioned by intelligent positioning system Destination address to transacting business.Correspondingly, can be retransmited by server to scheduled mobile banking site, mobile banking The target position is gone to after receiving scheduling in site.

The business information to be handled may include the type of service and/or tool to be handled that client is inputted by client The charg`e d'affaires of body manages business information.Such as described business information can only include withdrawal, financing type of service, or can also be into One step includes the specific business information such as the number range of withdrawal, the type for buying finance product.

Certainly, above-mentioned customer information, business information are only for example, when it is implemented, also may include other classes The information of type, here without limitation.When it is implemented, client can be above-mentioned by the input of the client for reserving mobile site Information or partial information, locally-stored one starting of customer information of the information and client that client can input client Give server.

S204: server determines mobile banking site to be dispatched according to the target position and business information to be handled, And dispatch command is sent to the bank outlets to be dispatched.

Bank server can determine mobile banking's net to be dispatched according to the target position and business information to be handled Point, and dispatch command is sent to the bank outlets to be dispatched.In some embodiments, the dispatch command may include target Location information etc..

Bank server can be pre-configured with the status information of each mobile banking site, ID (identity) identification information, The data such as the business information that can be handled, and stored.

ID is the unique identification of mobile banking site.Any one mobile banking site can be identified, by ID to carry out Accurately and effectively distinguish and call corresponding mobile banking site.It, such as can be by mobile banking site in some embodiments ID identification information of the license plate number of place vehicle as mobile banking site.

The state of the mobile banking site may include: 0- is unavailable, 1- is idle, 2- traveling in, 3- arrived target Address etc..It is of course also possible to use other status indicators, here without limitation.Wherein, the down state may include moving Dynamic bank outlets are just in business handling or failure etc., so that the mobile banking site can not be called.The free time shape State can be stopped waiting for mobile banking site and be awaited orders in parking lot, and can be called.State in the traveling can be shifting Vehicle where dynamic bank outlets is just in the process of moving.The state that arrived destination address may include mobile banking site Target position is reached according to dispatch command.

The business information that mobile banking site can handle can also be referred to as the business configuration letter of mobile banking site Breath, the business datum that can handle terminal according to its internal banking carried determine.The banking handles terminal can To include such as self-service automatic teller machine, intelligent sales counter, VR (Virtual Reality, virtual reality)/AR (Augmented Reality, augmented reality) experience area etc. bankings handle terminal device.

In some embodiments, a threshold value can be preset, centered on target position, with the threshold value for half Within the scope of the preset schedule of diameter, the schedulable mobile banking site that is nearest and meeting business demand from target position is dispatched, with Guarantee that called mobile banking site can reach target position as soon as possible.Then, bank server is available wait dispatch The ID of mobile banking site determines corresponding mobile banking site according to the ID identification information, and to the mobile banking site Send dispatch command.

Bank server can preset preferred dispatching algorithm, and in practical business treatment process, server is being connect After receiving the business handling request, preset dispatching algorithm can be based further on to mobile banking's net around target position Point is scheduled.It, can be based on the mobile silver of following preset schedule methods scheduling in one or more embodiment of this specification Row site:

S2042: it within the scope of preset schedule, determines and is in idle condition and the relatively described target position is before the smallest N number of mobile banking site, N >=1, as candidate mobile banking site；

S2044: the candidate mobile banking site is judged according to the service configuration information of the candidate mobile banking site Whether the business datum configured covers the business information to be handled, and obtains the first judging result；

S2046: if the first judging result be it is yes, the candidate mobile banking site is determined as wait dispatch mobile silver Row site.

In some embodiments, can within the scope of the preset schedule centered on target position, using threshold value as radius into Row search, determines the mobile banking site being in idle condition.Then, in the mobile silver of idle state everywhere in determining Row site is ranked up as the relatively described target position apart from size.By the distance of the relatively described target position it is the smallest and locate In the mobile banking site of idle state, as candidate mobile banking site.

It is then possible to judge whether business datum included in the service configuration information of candidate mobile banking site covers Charg`e d'affaires in business handling request manages business information.If covered, can using the candidate mobile banking site as to Dispatch mobile banking site.

If do not covered, next mobile banking site being in idle condition is obtained as candidate mobile banking net Then point analyzes whether the business datum that it is configured covers business information to be handled.And so on, until determining The mobile banking site being in idle condition for meeting business demand, as mobile banking site to be dispatched.

Using the scheme of above-described embodiment, the accuracy of mobile banking site scheduling, controllability and efficiently can be improved Property, guarantee that the mobile banking site for meeting business handling demand can be reached in face of client with most fast speed.

In other embodiments, can also be the smallest by the distance of the relatively described target position and it be in idle condition Top n mobile banking site, as candidate mobile banking site, wherein N > 1, and the N number of mobile banking site distance selected It is relatively close.Then the business information of wherein any one mobile banking site is analyzed, it is determined whether meet business need, if discontented Foot, then continue to analyze this it is N number of in other mobile banking sites.If be not satisfied, further expansion search range, until Screen the mobile banking site met the requirements.In one embodiment of this specification, the dispatching method can also include:

S2045: if the first judging result be it is yes, whether the electricity of vehicle where judging the candidate mobile banking site Meet roundtrip, obtains the second judging result；

Correspondingly, step S2046 can be with are as follows: if the second judging result be it is yes, by the candidate mobile banking site It is determined as mobile banking site to be dispatched.

If the mobile banking site uses the electric car of automatic Pilot, correspondingly, can further judge candidate shifting The whether enough roundtrips of electricity of dynamic bank outlets, if it is satisfied, the candidate mobile banking site can be determined as wait adjust Spend mobile banking site.If conditions are not met, then repeat step S2042, S2044, determine to meet idle state, business demand Mobile banking site, then judge whether the mobile banking site meets electricity requirement.Until determining to meet idle state, business The mobile banking site that demand and electricity require, as mobile banking site to be called.

If having traversed mobile banking site all within the scope of preset schedule, the mobile banking's net met the requirements is not found Point, the then information that can be needed to wait for the client feedback of user etc.

Utilize the scheme of above-described embodiment, it is ensured that the mobile banking site for meeting business handling demand can be with most fast Speed reach in face of client, and after guaranteeing business handling, mobile banking site can drive safely and return to charge point, The automation for carrying out business handling using mobile banking site is further increased, personnel's intervention is reduced.

Preferably, in other embodiments, each mobile silver can also be searched for outward by center radiativity of target position Row site, to determine the mobile banking site met the requirements.

Mobile banking site is managed in order to facilitate bank, can be pre-configured with each mobile banking site stops waiting position The information such as set.

In some implement scenes, the mobile banking site can use the electric car of automatic Pilot, and idle generally exists The charging of some charging parking station point is awaited orders.Correspondingly, the parking lot of vehicle where mobile banking site can be defined as solid Determine site, one or more mobile banking site can be laid in a fixed site.

Bank server can be previously stored with the ID of each mobile banking site, affiliated fixed site, service configuration information And the information such as state.

Fig. 3 indicates mobile banking's site scheduling flow schematic diagram in one Scene case of this specification.As shown in figure 3, In one Scene case, opposite Mr. Yu target position S, it is assumed that there are N number of parking lot A, B, C etc., phases within the scope of preset schedule Ascending to the distance of target position S is respectively B, C, A etc..

Then can the preferred selected nearest parking lot B of relative target position S, traverse parking lot B, judge in the B of parking lot whether There is the mobile banking site being in idle condition.If there is the mobile banking site being in idle condition, then continue in next step, such as Fruit does not have, then traverses next parking lot C, and so on, determine the mobile banking site being in idle condition as candidate Mobile banking site.

It is assumed that there is the mobile banking site being in idle condition in the B of parking lot, then the institute in the B of parking lot is successively traversed There is the mobile banking site being in idle condition, according to the service configuration information for the mobile banking site being accordingly in idle condition Judge whether the business datum that it is configured covers the business information to be handled.Judge that corresponding mobile banking site can Whether the business handled meets the business demand of user.

If the mobile banking site being in idle condition is unsatisfactory for, that analyzes in the B of the parking lot next is in The mobile banking site of idle state, and so on.If the mobile banking site being in idle condition in the B of the parking lot is not It meets the requirements.Then further in traversal parking lot C with the presence or absence of the mobile banking site being in idle condition, if it is present Further judge business datum that the mobile banking site being in idle condition in the C of parking lot is configured whether cover it is described to Transacting business information.

And so on, until determining the mobile banking site K for meeting business handling requirement and being in idle condition.

Then, further the whether enough roundtrips of the electricity of mobile banking site K are judged, if it is, will mobile silver Row site K is determined as mobile banking site to be dispatched.If conditions are not met, then further traversing parking lot C, next is in is searched for The mobile banking site of idle state.

Corresponding to above-mentioned Scene case, in another embodiment of this specification, it can also be determined and be waited using following manner Select mobile banking site:

S2042-2: outside radiativity searches for fixed site centered on the target position, lays in the fixed site There is one or more mobile banking site；

S2042-4: the mobile banking site in first fixed site that traversal search arrives, it is determined whether exist in sky The mobile banking site of not busy state determines next fixed site if it does not exist, then continuing searching, and traverses the fixation site Interior mobile banking site, until the mobile banking site for determining to be in idle condition；

S2042-6: using the mobile banking site being in idle condition determined as candidate mobile banking site.

By the way that centered on target position, outside radiativity from the near to the distant searches for fixed site, and in each fixed site Interior traversal mobile banking site determines the mobile banking site met the requirements, can be further improved and transfer efficiency.And mobile silver Row dot number is various, and the data of mobile banking site are in the state changed at any time, by way of successively traversing outward It determines mobile banking site to be called, the phenomenon that calling Data duplication entanglement can also be avoided the occurrence of, guarantee mobile banking's net The accuracy that point integrally calls.To utilize call method provided by the above embodiment, mobile banking's net may further ensure that The data-handling efficiency and accuracy that point calls.

S206: the bank outlets to be dispatched respond the dispatch command, and go to the target position.

According to the mobile site dispatching method of step S204, mobile banking site to be dispatched can be determined.It is then possible to The ID for obtaining the mobile banking site to be dispatched, sends to corresponding mobile banking site according to the ID and instructs.The tune Degree instruction may include target position information etc..

After corresponding mobile banking site receives instruction, the business handling request can be responded, the mesh is left for Cursor position, so that client carries out corresponding business handling.

When it is implemented, mobile banking site can also be by the ID of mobile banking site, state, real time position, in real time electricity The information such as amount are sent to bank server, and bank server can be updated the real time information of each mobile banking site.Phase It answers, server can carry out data analysis according to the real-time status of each mobile banking site, real time position and real time electrical quantity, In order to which server is monitored each mobile banking site, accurately scheduling etc..It can such as sentence when calling mobile banking site Break mobile banking's site state in which, place vehicle electricity whether meet roundtrip etc..

S208:, the to be dispatched bank net described when dispatching mobile banking, the arrival target position, site when determining The identity data of point acquisition client is simultaneously transferred to the server, so that the server is according to the customer information and acquisition Identity data to client carry out authentication.

Bank server can be by the license plate number of vehicle, real time position feedback where mobile banking site to be dispatched to client End, for the position of client's real time inspection mobile banking site to be dispatched.Client can be determined described wait dispatch by client Whether mobile banking site reaches the target position.As client can be by checking that mobile banking site is real-time on map Position determines whether mobile banking site to be dispatched reaches the target position, alternatively, whether working as mobile banking site to be dispatched When reaching the target position, client can remind client mobile banking site to reach.Then, client can also pass through Check license plate number, it is determined whether for the mobile banking site of oneself reservation.

It is described when dispatching mobile banking, the arrival target position, site when determining, bank outlets' acquisition to be dispatched The identity data of client is simultaneously transferred to the bank server, so that the bank server is according to the customer information and adopts The identity data of collection carries out authentication to client.

Mobile banking site can remind the type of client's progress authentication and authentication.Some embodiments In, mobile banking site can acquire the identity number such as the biological informations such as the ID card information of client, face and check code According to.After the check code can submit call request for client, the unique identifier that server generates, and such as short message can be passed through Etc. forms when feeding back to client's reservation on the cell-phone number filled in, so that user checks.In bank outlets to be dispatched to client identity When being verified, client identity can be verified in conjunction with the identifying code, to improve safety.

Then, the identity data of the client of acquisition can be sent to bank server, bank service by mobile banking site Device can be according to the customer information in the business handling request that client is sent, such as customer's identity card number, bank account number, registration One of information such as cell-phone number transfer the identity information data collection for the client being stored in advance in server.The identity It is raw when the ID Card Image data, biological attribute data and the reservation that are collected when message data set may include client enrollment At the data such as check code.Then, server can be by identity data that mobile banking site acquires and identity information data collection In data be compared, to be verified to client identity.And authentication result is fed back into the mobile banking site.

S210: the mobile banking site receives the client identity verification result of the server feedback, and tests in identity Demonstrate,prove result be by when, allow client carry out business handling.

Mobile banking site can receive the verification result of bank server feedback, and be shown to client.Alternatively, can To open the car door of place vehicle directly after being verified, in the vehicle where allowing client to enter mobile banking site, into Row business handling.

If verifying does not pass through, it can also verify and not pass through to customer prompts, prompt further progress verifying.If repeatedly more It changes verification mode and verifies and do not pass through, then prompt refusal business handling, and result is fed back to belonging to the mobile banking site Administrative site mechanism, administrative lattice point structure intervention processing.

In some embodiments, before actually using the progress business handling of mobile banking site, bank server can be with Basic information configuration is carried out to each mobile banking site in advance, the basic information may include the ID letter of mobile banking site Breath, affiliated fixed site information, affiliated administrative site information, type, status information etc..

The mobile banking site formed for carrying bank self-aid apparatus on the electric car of automatic Pilot, can be by certain Several charging parking station points closed on, i.e., fixed site, are divided into a region unit.One region unit is executive to be belonged to In some entity bank outlets of a site mechanism, that is, current bank.Fig. 4 indicates that the ownership configuration of mobile banking site is shown It illustrates and is intended to.As shown in figure 4, can be pre-configured with, parking lot A, B ownership administration site X are all, and parking lot C, D, E ownership are administrative Site Y is all.

In order to distinguish statement, this illustrates that the site mechanism can be known as to administrative site mechanism in embodiment.One site Mechanism needs to be responsible for for one or more mobile banking site fixed in site and fixed site in its region, is responsible for The maintenance of charging equipment, the maintenance of mobile banking's mesh point device, artificial Site Service, remote service, backstage are examined in fixed site Core etc..Certainly, these mobile banking's site bring achievements also return the mechanism all.

In some embodiments, the business that server can also comprehensively consider each administrative site mechanism in advance needs, is administrative User group's type on site mechanism periphery and its business historical data handled etc., it is self-service to being carried on mobile banking site Equipment, stops waiting position and quantity, the distribution of mobile banking site of different business configuration etc. at the quantity of mobile banking site Dynamic configuration is carried out, with comprehensive service coverage rate, the cost for guaranteeing mobile banking site.

In some implement scenes, bank server can carry out business configuration to mobile banking site in advance, to be formed not The mobile banking site of same type, correspondingly, different types of mobile banking site can equipped with different self-service devices, with Meet different business handling demands.So as in the case where meeting business demand, reduce vehicle weight bearing, plant maintenance with And electric cost.Fig. 5 indicates that a kind of mobile banking's dot data provided in one or more embodiment of this specification is handled Embodiment of the method flow diagram.As shown in figure 5, bank server can use following in one embodiment of this specification Mode is classified to mobile banking site:

S102: according to one in the business function coverage rate, historical data and client feedback information of bank self-aid apparatus Kind or a variety of pairs of mobile banking sites are classified.

In general, not every mobile banking site device configuration all having the same.In some embodiments, Ke Yigen According to the business function coverage rate of bank self-aid apparatus by all kinds of self-service device combination collocations, different types of mobile banking's net is obtained Point.In other embodiments, the mobile banking site after progress various combination collocation can also be divided into different type, such as Shown in following table.Correspondingly, different types of mobile banking site has different service configuration informations.

Table 1 is some classification examples:

1 mobile banking's site classification chart of table

When it is implemented, can according to " type of service to be handled " that client is filled out at reservation " mobile banking site " come Assign different types of " mobile banking site ".

Further, in other embodiments of this specification, evaluation information, the history number of client feedback can also be referred to According to etc., comprehensive analysis is carried out, collocation is combined to the self-service device carried on vehicle where mobile banking site, so that moving The business configuration of dynamic bank outlets more meets actual business requirement.

Correspondingly, the business information to be handled during practical business is handled, in the business handling request of client transmission It may include type of service to be handled.

Whether the business datum for judging that the described first candidate mobile banking site is configured covers the industry to be handled Business information may include: to judge whether the type of the described first candidate mobile banking site is managed type of service with the charg`e d'affaires and mutually fitted Match.

By classifying in advance to mobile banking site, can be selected by setting mobile banking site type in client , by selecting corresponding mobile banking site type.So as to the more efficient determining mobile silver for meeting business demand Row site, to further increase data-handling efficiency.

As shown in figure 5, bank server can also pass through following manner in one or more embodiment of this specification The quantity of all types of mobile banking sites in different administrative site mechanisms and each fixed site is configured, to optimize money Source configuration:

S104: according to historical data and/or client feedback information to mobile banking site all types of in fixed site Quantity carries out dynamic configuration.

It can be by analysis of history business handling data and/or the evaluation information of client feedback, to all types of mobile silver Row site carries out dynamic configuration.Such as, financing class business demand amount increases considerably in the earlier month of somewhere, and client feedback is handled It, then can be with the shifting of appropriate adjustment noncash type always the case where the mobile banking site to be called such as appearance when class business of managing money matters The quantity of dynamic bank outlets.So that the configuration of mobile banking site, which more meets practical business, handles needs.

Historic demand amount statistical form of the 2 mobile banking site of table in one month

Preferably, in one embodiment of this specification, mobile banking site demand can be constructed according to historical data Change with time relational model, thus accurately predicts the demand of mobile banking site instantly, so that mobile banking The configuration of site more meets practical business and handles needs.

In actual moving process, different types of mobile banking site demand has fluctuation at any time, here when Between refer to some cycles in.For example, being the period with one month, it is every in one month that different types of mobile banking site can be counted The demand variation of day.Assuming that considering that business function coverage rate defines the mobile banking site of tetra- seed type of A, B, C, D, moves in advance Dynamic historic demand amount of the bank outlets in one month can be shown as shown in table 2:

For another example, using a week as the period, different types of mobile banking site need daily in one week can be counted The amount of asking changes, as shown in table 3 below:

Historic demand amount statistical form of the 3 mobile banking site of table in one week

For another example, with one day for the period, different types of mobile banking site can be counted in daily interior need hourly The amount of asking changes, as shown in table 4 below:

The historical data that one or more of above-mentioned three classes data type can be counted, can also count other types Historical data, here without limitation.

Model coefficient can be constantly updated according to the historical data of the preset data type of statistics, founding mathematical models, from And more and more accurate model is established, and then predict the precision demand amount of different types of mobile banking site at any time, so as to The rational allocation of management organization's progress resource.

Historic demand amount statistical form of the 4 mobile banking site of table in one week

The building of historical data progress model based on each data type and model parameter renewal process are all the same, here Only to illustrate specific data mould for " different types of mobile banking site in daily, demand hourly variation " Type construction method:

1. collecting historical data.

Firstly the need of the historical data collected as above table, history of forming database.If there are multiple moons in database Data, need by different months on the same day demand summation be averaged.

2. founding mathematical models.

In some embodiments, polynomial mathematical model can be used:

Y (A)=p (1) * xⁿ+p(2)*x^(n-1)+......+p(n)*x+p(n+1)

Wherein, Y (A) represents the demand of the mobile banking site of type-A, and x represents the sampling time, is hour, x ∈ here (0,1,2,3,4 ..., 21,22,23), n is polynomial number, and p (n) is multinomial coefficient.

3. fit mathematics model, seeks coefficient.

The data of historical data base are subjected to fitting of a polynomial, seek multinomial coefficient:

P=polyfit (x, Y, n)

Wherein, p is the system of polynomials number vector of power from high to low, and polyfit is polynomial fitting.

Y (B), Y (C), Y (D) are similarly handled referring also to step 2-3, are not described herein.

4. predicting different types of vehicle demand.

According to data model is obtained in step 3, the value of hour, i.e. x can be inputted, exports Y (A), Y (B), Y (C), Y (D), That is the predicted required amount of different type vehicle, to facilitate resource allocation.

5. updating model coefficient.

Can with the data model coefficient in real-time update step 3 you, it is then possible to pre- according to updated mathematical model Survey different types of vehicle demand.

When it is implemented, whenever generating one group of new data, it, then can be with this when such as newest daylong data generate It data are also included in historical data base, are averaged with previous historical data summation, are repeated and execute step 3, update mould Type coefficient.It is then possible to according to the different types of vehicle demand of updated mathematical model prediction.

If some area call amount is big, this region multi-configuration is a certain number of " mobile site ", and in addition different zones are matched The type of vehicle set is also required to actually send a car type according to previous history and configured, so that resource is optimal.In addition, The relational model of all types of vehicle demands and time is established, using big using historical data according to traffic-operating period dynamic change Data and machine learning, continuous iteration more new model, so as to predict the relationship of accurate vehicle demand and time.

Fig. 6 indicates another mobile banking's dot data processing method flow diagram that this specification provides.With bank Server is illustrated the method for executing the angle of this method, as shown in fig. 6, one or more reality of this specification Apply example offer the method may include:

S302: business handling request is received, the business handling request is including target position information and to transacting business Information；

S304: within the scope of preset schedule, determination is in idle condition and the relatively described target position is apart from the smallest preceding N A mobile banking site, as candidate mobile banking site；

S306: site institute, the candidate mobile banking is judged according to the service configuration information of the candidate mobile banking site Whether the business datum of configuration covers the business information to be handled, and obtains the first judging result；

S308: if the first judging result be it is yes, the candidate mobile banking site is determined as wait dispatch mobile silver Row site；

S310: dispatch command is sent to the mobile banking site to be dispatched, so that the mobile banking site to be dispatched Respond the business handling request.

Bank server can receive the business handling request data that client inputs in client, the business handling request It may include the data such as customer information, target position information and business information to be handled.

Then, bank server can be according to preset dispatching algorithm to the preset schedule centered on the target position Mobile banking site in range is scheduled.In one or more embodiment of this specification, it is based on preset dispatching algorithm Distance, mobile banking when being scheduled to mobile banking site, according at least to mobile banking, the relatively described target position, site Whether the state of site and the business configuration of mobile banking site meet three aspects of business demand, to mobile banking site It is scheduled.

So that meeting the schedulable mobile banking site of business needs can be reached in face of client with most fast speed, from And realize mobile, convenience and high efficiency that banking is handled.Corresponding embodiment can refer to above-described embodiment Implement, is not described herein.

Optionally, described by the candidate mobile banking site in step S308 in one embodiment of this specification It is determined as mobile banking site to be dispatched, may include:

In some implement scenes, bank self-aid apparatus can be mounted on the electric car of automatic Pilot.Correspondingly, silver-colored When row server is scheduled mobile banking site according to preset algorithm, site institute, mobile banking can also be further considered In the electricity of vehicle, so that vehicle can be after completing business where scheduled mobile banking site, there are also enough Electricity can return to the stop of its setting.With the significantly more efficient automation for guaranteeing mobile banking site, artificial intervention is reduced, Reduce maintenance cost.

Optionally, in another embodiment of this specification, the determination is in idle condition and the relatively described target position It sets apart from the smallest top n mobile banking site, as candidate mobile banking site, may include:

Bank server can in advance configure mobile banking site, such as stop waiting point, affiliated administrative site into Row configuration.One or more mobile banking's net can be laid in one fixed site (i.e. mobile banking site stop waiting a little) Point.

Correspondingly, when bank server is scheduled mobile banking site according to preset algorithm, it can be with target position It is set to the outside radiativity in center and searches for each fixed site, determine the mobile banking site met the requirements.Specific embodiment can To implement with reference to above-described embodiment, it is not described herein.By stopping waiting a little and belonging to progress to mobile banking site in advance Configuration, can easily facilitate bank and be managed to mobile banking site.

Optionally, in another embodiment of this specification, before the reception business handling request, can also include:

Correspondingly, the business information to be handled may include type of service to be handled.

Bank server can carry out mobile banking site in advance to mobile banking site according to the difference of business configuration Classification can reduce vehicle weight bearing, plant maintenance and electric cost in the case where meeting business demand.At the same time it can also Mobile banking site type option is set in client, by selection corresponding mobile banking site type come efficient matchings satisfaction The mobile banking site of business demand, further increases data-handling efficiency.The mode classification of mobile banking site can refer to Above-described embodiment is implemented, and is not described herein.

In some embodiments, bank server can pass through analysis of history business handling data and/or client feedback Evaluation information carries out dynamic configuration to all types of mobile banking sites, so that the configuration of mobile banking site more meets reality Border business handling needs.

Further, it is preferred that it is described according to historical data to the quantity of mobile banking site all types of in fixed site It is configured, may include:

P=polyfit (x, Y (A), n)

Y (A)=p (1) * xⁿ+p(2)*x^(n-1)+......+p(n)*x+p(n+1)

Optionally, in another embodiment of this specification, the method can also include:

Bank server can receive the response results of mobile banking site feedback to be dispatched, and the response results can be Receive scheduling.When the response results are to receive scheduling, the real time position of the mobile banking site feedback to be dispatched is received Information, and the ID of the mobile banking site to be dispatched and real-time position information are sent to client, to be carried out to client It shows, client can pass through the position of client real time inspection mobile banking site to be dispatched.

Correspondingly, if mobile banking site is busy, it is temporarily unscheduled to the mobile banking site met the requirements when, server It can be waited to client feedback.

Transfer customer identification data collection according to the customer information, and by the customer identification data of the acquisition with it is described Customer identification data collection is compared, and obtains client identity verification result；

The client identity of mobile site is reserved with the client's using mobile banking site transacting business by comparison The safety that business handling is carried out using mobile banking site can be improved in identity coherence.Corresponding identity comparison is real The mode of applying can be implemented with reference to above-described embodiment, no longer repeat one by one here.

Fig. 7 indicates another mobile banking's dot data processing method flow diagram that this specification provides.With client The method is illustrated for the angle of end execution this method, as shown in fig. 7, one or more embodiment of this specification There is provided the method may include:

S402: business handling request is sent to server, so that the server requests to determine according to the business handling Mobile banking's scheduling result, the business handling request includes customer information, target position information and business information to be handled；

S404: mobile banking's site scheduling result of the server feedback is received, the scheduling result includes wait dispatch The response results of bank outlets, ID, real time position, wherein the bank outlets to be dispatched are by the server according to the mesh Cursor position and business information to be handled determine；

S406: it to scheduling result described in present customers, is moved so that the client determines according to the scheduling result wait dispatch When dynamic bank outlets reach the target position, business handling is carried out using the mobile banking site to be dispatched.

The business handling request data of the available user's input of client, the business to be handled inputted such as client, body The data such as part card number, target position, are then forwarded to bank server.Bank server can be asked receiving the business handling After seeking data, mobile banking site to be dispatched is determined according to preset dispatching algorithm.Correspondingly, server determines movement to be dispatched The method of bank outlets can be implemented with reference to above-described embodiment, be not described herein.

Bank server determining after dispatching mobile banking site, can according to the ID of mobile banking site to be dispatched to Mobile banking site to be dispatched sends dispatch command accordingly.It may include target position in the dispatch command, so that wait adjust Degree mobile banking site can go to target position according to the dispatch command.Correspondingly, mobile banking site to be dispatched is in sound Should be after dispatch command, it can also be by its response results and real time position feedback to bank server.

Meanwhile bank server can be by response results, ID and the real time position feedback of mobile banking site to be dispatched To client, and from client to present customers, client can be checked by client the ID of mobile banking site to be dispatched with And real time position.When determining when dispatching mobile banking, arrival target position, site, client can use this wait dispatch mobile silver Row site carries out business handling.In some embodiments, mobile banking site to be dispatched can carry out authentication to client, and Client is just allowed to enter and carry out business handling after authentication passes through.

Corresponding specific embodiment can be implemented with reference to above-described embodiment, no longer repeat one by one here.

Fig. 8 shows another mobile banking's dot data processing method flow diagrams that this specification provides.With movement Bank outlets end is illustrated the method for executing the angle of this method, as shown in figure 8, this specification one or more A embodiment provide the method may include:

S502: the dispatch command that server is sent is received, the dispatch command is by server business based on the received The target position and business information to be handled handled in request determine；

S504: responding the dispatch command, so that the target position is gone in mobile banking site；

S506: when determining that mobile banking site reaches the target position, the identity data of client is acquired, and be sent to The server so that the server based on the received business handling request in customer information and acquisition identity data Authentication is carried out to client；

S508: receiving the authentication of the server feedback as a result, when authentication result be by when, allow client Carry out business handling.

In this specification embodiment, bank self-aid apparatus can be mounted on automobile, to form moveable bank's net Point achievees the purpose that make site " mobile ".Preferably, bank self-aid apparatus can be mounted in automatic Pilot electric car On, form mobile banking site.

In some embodiments, different self-service devices can be carried on vehicle according to actual needs, have to be formed The mobile banking site of different business configuration.Further, can also to the mobile banking site configured with different business into Row classification.

In other embodiments, can also to mobile banking site stop waiting point, the site mechanism configures.Into One step, can also to respectively stop waiting point, mobile banking's dot number all types of in different site mechanism carries out dynamic configuration, with The best resource configuration of mobile banking site determine according to actual needs.

Bank server can store the basic information of configured mobile banking site, such as the industry of each mobile banking site The information such as business configuration data, ID, affiliated fixed site, affiliated administrative site, electricity.

In practical business treatment process, bank server, can after receiving the business handling request of client transmission To dispatch mobile banking site according to business handling request and preset dispatching algorithm.Mobile banking site is receiving bank After the dispatch command that server is sent, it can be instructed with response scheduling, and target position is gone to according to dispatch command.

Meanwhile response results can be fed back into bank server, it can be by real-time position on the road for go to target position It sets, real time electrical quantity feeds back to bank server, server progress real time information update.Bank server is again by mobile banking site Response results, ID, real time position be sent to client, from client to present customers.

When the real time position for the mobile banking site that client shows according to client determines that mobile banking site reaches target When position, the mobile banking site oneself reserved can be confirmed whether it is according to ID.Confirm it is errorless after, client can use this Mobile banking site carries out business handling.

Firstly, mobile banking site can verify client identity according to the customer information that server is sent.Some realities It applies in mode, physical characteristics collecting equipment, identity card acquisition equipment etc. can be set where mobile banking site on vehicle.It moves Dynamic bank outlets can remind client to carry out authentication, then, the identity information for prompting client to be verified, and to be verified Identity information is acquired, such as ID Card Image, the facial image of client are acquired by relevant device.Then, by acquisition Information feeds back to bank server, transfers bank server based on the customer information in business handling request by bank server The identity data of respective client in identity information database, and carry out comparison.

In some embodiments, the client identity information of mobile banking site acquisition may include biological information, body Part card information, information of check code etc., wherein after the check code can submit call request for client, generated by server Unique identifier, and can be by the form of server short message is sent to client enrollment or fills in cell-phone number.

Then, bank server is to the feedback authentication of mobile banking site as a result, such as can be to be verified or test Card does not pass through, and from mobile banking site to the present customers verification result.Meanwhile if verifying obstructed out-of-date, mobile banking Site can prompt client to verify again, or the identity that replacement is to be verified when unacceptable to present customers verifying Information is verified.If multiple authentication is obstructed out-of-date, then refuses client and enter mobile banking site, and to server feedback, And alarm to administration site mechanism belonging to mobile banking site, it is handled by affiliated administrative site mechanism intervention.

If the verification passes, mobile banking site can open car door, and the client for allowing authentication to pass through is into the car Carry out business handling, and timely closed door.When not verifying client as other occur and enter, then give a warning.Or it is more serious When, it can alarm to administration site mechanism belonging to mobile banking site, be handled by affiliated administrative site mechanism intervention. After client completes business, mobile banking site is walked out, after mobile banking's site closed door, voluntarily setting out returns to original and stop waiting Point.

All the embodiments in this specification are described in a progressive manner, same and similar portion between each embodiment Dividing may refer to each other, and each embodiment focuses on the differences from other embodiments.Specifically it is referred to The description of aforementioned relevant treatment related embodiment, does not do repeat one by one herein.

It is above-mentioned that this specification specific embodiment is described.Other embodiments are in the scope of the appended claims It is interior.In some cases, the movement recorded in detail in the claims or step can be come according to the sequence being different from embodiment It executes and desired result still may be implemented.In addition, process depicted in the drawing not necessarily require show it is specific suitable Sequence or consecutive order are just able to achieve desired result.In some embodiments, multitasking and parallel processing be also can With or may be advantageous.

Mobile banking's dot data processing method that this specification one or more embodiment provides, can be by automatic Various banking equipments are carried in driving, form mobile banking site.Client can initiate business handling request, bank service Device can be scheduled the mobile banking site near target position, after receiving business handling request so that meeting industry Business is handled the mobile banking site of demand and is reached in face of client with most fast speed.Required by determining that mobile banking site reaches Target position when, mobile banking site can acquire the identity data of client and be sent to bank server, by bank service Device carries out authentication to client.After authentication passes through, client can enter carry out business in the mobile banking site and do Reason.Using the method for the offer of this specification embodiment, mobile that banking handles, in time can be safely and effectively realized Property and convenience.

Fig. 9 indicates the mobile banking's lattice point structure schematic diagram provided in one or more embodiment of this specification.Such as Fig. 9 Shown, the mobile banking site may include instruction respond module 602, real time information sending module 604, the second authentication Module 606, exception monitoring module 608, wherein

Described instruction respond module 602 can be used for receiving the dispatch command of server transmission, and the dispatch command is by institute It states target position and to be handled business information of the server based on the received in business handling request to determine, and responds the tune Degree instruction, so that the target position is gone in mobile banking site；

The real time information sending module 604 can be used for sending out response results, ID, real time position and real time electrical quantity It send to the server；

Second authentication module 606, can be used for acquiring the identity data of client, and by the identity data of acquisition Be sent to the server, and receive the server feedback authentication as a result, when authentication result be by when, Allow client's entrance and transacting business；

The exception monitoring module 608, can be used for obtaining mobile banking site inside the vehicle and the inspection of surrounding It surveys as a result, alarming when there are abnormal conditions to the point of administrative network belonging to mobile banking site.

Banking can be set in autonomous driving vehicle and handle terminal, to form transportable bank outlets.One In a little embodiments, the mobile banking site can also include command reception module, real time information sending module, authentication Module and exception monitoring module.

Command reception module can be used for receiving the dispatch command of bank server transmission, and respond described instruction, and Response results are fed back into bank server；At the same time it can also drive place vehicle to go to the mesh according to the dispatch command Cursor position.

The ID, real time position, real time electrical quantity etc. of mobile banking site can be sent to bank by real time information sending module Server, so that bank server carries out real time data update.

In some embodiments, the authentication module may include the camera for acquiring face information, identity card reading Take one or more of unit, fingerprint collecting unit, check code input unit, prompt unit, display unit etc..It can use Authentication is carried out in prompting user, and the identity datas such as identity card, face, fingerprint, check code for acquiring user are sent to silver Row server, and receive the verification result of bank server feedback, and to the present customers verification result.

In some embodiments, inside the mobile banking site and outside of place vehicle can also be laid with monitoring and set It is standby, such as camera, alarm, to monitor site institute, mobile banking inside the vehicle and the case where ambient enviroment.Exception monitoring The data of the available real-time monitoring of module, and it is sent to bank server, real-time monitoring is carried out by affiliated administrative site mechanism. When determining the abnormal situation, can also alarm to affiliated administrative site mechanism.

Figure 10 indicates each module diagram of mobile banking site in an implement scene.As shown in Figure 10,

1) vehicle real time sending module

Vehicle sends current state information to server end in real time, includes vehicle ID, real time position, real time electrical quantity；

2) respond module is instructed

Vehicle receives the command information from server end, that is, the instruction set out includes destination address and target customer；

3) it gets on the bus authentication module

Client before transacting business, needs to verify identity into the car, the verifying comprising identity card, recognition of face verifying with And check code verifying, check code are to submit the string code generated after call request；

4) exception monitoring module

Vehicle periphery abnormal conditions are monitored, real-time monitoring, which is forced open the door, climbs onto a slow-going train, damages the behaviors such as equipment, and automatic alarm submodule is negative Duty is alarmed to affiliated site automatically, while informing the information such as vehicle location, and automatic submodule of capturing is by calling more cameras Retention of taking pictures is carried out to ambient conditions.

Figure 11 indicates the device structure that vehicle where the mobile banking site in a Scene case of this specification is laid Schematic diagram.As shown in figure 11, vehicle where the mobile banking site be laid with banking handle terminal, identity recognition instrument, Several cameras etc..

The banking, which handles terminal, can be laid in mobile banking site institute inside the vehicle, for client into Row banking is handled.In some embodiments, the banking handle terminal may include mobile sales counter, mobile terminal, Mini ATM (Automatic Teller Machine, ATM), remote assistance equipment, self-service device, VR/AR equipment.

Where the identity recognition instrument can be laid in the mobile banking site at the car door of vehicle, for acquiring client Identity data, and be transferred to bank server, and receive the authentication result of bank server feedback.When the verifying is tied Fruit be by when, can control car door opening.

Where the camera can be laid in the mobile banking site inside or around vehicle, for vehicle Inside or around be monitored, and in real time by monitoring data transmission to bank server.Correspondingly, can be on the vehicle It being laid with alarm, being sounded an alarm when for finding unsafe condition.

Figure 12 is the bank server structural schematic diagram that one or more embodiment of this specification provides.Such as Figure 12 institute Show, the server may include:

First data reception module 702 can be used for receiving business handling request, and the business handling request includes client Information, target position information and business information to be handled；

Scheduling result determining module 704 can be used for being determined according to the business handling request and preset schedule algorithm Mobile banking's site scheduling result, comprising:

Candidate site determination unit, can be used within the scope of preset schedule, determines and is in idle condition and relatively described Target position is apart from the smallest top n mobile banking site, as candidate mobile banking site；

Business matching unit can be used for judging the time according to the service configuration information of the candidate mobile banking site Whether the business datum for selecting mobile banking site to be configured covers the business information to be handled, and obtains the first judging result；

Scheduling result determination unit, if can be used for the first judging result be it is yes, by candidate mobile banking's net Point is determined as mobile banking site to be dispatched；

Instruction sending module 706 can be used for sending dispatch command to the mobile banking site to be dispatched, so that described Mobile banking site to be dispatched responds the business handling request.

In another embodiment of this specification, the scheduling result determining module 704 can also include:

Electricity judging unit, whether the electricity of vehicle meets past where can be used for judging the candidate mobile banking site Distance is returned, the second judging result is obtained；

If correspondingly, the scheduling result determination unit can be also used for the second judging result be it is yes, by the time Mobile banking site is selected to be determined as mobile banking site to be dispatched.

As shown in figure 12, in another embodiment of this specification, the server can also include:

First authentication module 708, can be used for receiving mobile banking site acquisition customer identification data, and according to The customer information transfers the identity data collection of client, and by the customer identification data of the acquisition and the identity data collection It is compared, obtains client identity verification result.

Categorization module 700 can be used for business function coverage rate, historical data and client according to bank self-aid apparatus One or more of feedback information classifies to mobile banking site.

Correspondingly, the data reception module 702 can be also used for receiving type of service to be handled；

The business matching unit can be also used for judging the first candidate mobile banking site type whether with the generation Transacting business type is adapted, and obtains the first judging result.

Resource configuration module 701 can be used for according to historical data and/or client feedback information to all kinds of in fixed site The quantity of the mobile banking site of type carries out dynamic configuration.

In another embodiment of this specification, the resource configuration module 701 can also include:

Multinomial coefficient determination unit can be used for counting the historical data of preset data type, based on what is constructed in advance Polynomial mathematical model carries out fitting of a polynomial to the historical data, seeks multinomial coefficient:

P=polyfit (x, Y (A), n)

Y (A)=p (1) * xⁿ+p(2)*x^(n-1)+......+p(n)*x+p(n+1)

Relational model construction unit can be used for the multinomial coefficient sought substituting into the polynomial mathematical model, obtain Obtain mobile banking site and the relational model of time of respective type；

Resource configuration unit can be used for according to the relational model to mobile banking site all types of in fixed site Quantity is configured.

The bank server provided using this specification said one or multiple embodiments, can be with simpler efficient Realize the scheduling of mobile banking site and the management to mobile banking site.At the same time it can also further to mobile banking's net Business, quantity of point etc. carry out dynamic configuration, so that further such that the configuration of mobile banking site is more in line with practical business It needs.

Figure 13 and Figure 14 indicate the server architecture schematic diagram in a Scene case of this specification.As shown in figure 13, The server may include call request receiving module, scheduler module, instruction sending module, real time information update module, base Plinth maintenance of information module and data analysis module.As shown in figure 14,

1) basic information maintenance module

Server end stores the basic information of each vehicle, includes vehicle ID, the affiliated site of vehicle, type of vehicle, vehicle State, vehicle ID are the unique designations of each car, and the affiliated site of vehicle need to be configured and safeguard according to the administrative ownership of vehicle, Type of vehicle need to be arranged according to the combined situation of the self-service device entrained by vehicle, and vehicle-state includes that 0- is unavailable, 1- is empty In not busy, 2- traveling, 3- arrived destination address.

2) scheduler module

Vehicle scheduling module is responsible for Real-Time Scheduling vehicle, and decision vehicle distributes situation, passes through information of vehicles reading submodule The essential information and real time position, in real time of vehicle are obtained from vehicle basic information maintenance module and vehicle real time update module The information such as electricity, dispatching algorithm submodule provide decision using these data in real time, final to determine to distribute vehicle.

3) call request receiving module

The call request from client is received, destination address, the business tine and customer information to be handled are included.

4) real time information update module

The real time information from vehicle end is received, includes vehicle ID, vehicle real time position, vehicle real time electrical quantity.

5) instruction sending module

The instruction of " setting out " is issued to designated vehicle, includes destination address and target customer's information.

6) data analysis module

According to previous historical data, and the evaluation information returned by client feedback, analyze the vehicle of each administrative site Conditions of demand, to optimize allocation of resources, such as the best vehicle fleet size and type of vehicle configuration group of some administrative site Close, " mobile site " demand changes with time model, established each according to traffic-operating period dynamic change using historical data The relational model of type of vehicle demand and time, using big data and machine learning, thus continuous iteration more new model is predicted The relationship of accurate as far as possible vehicle demand and time out.In addition, if vehicle is loaded with AR/VR, can market current row noble metal and Finance product is suitble to his bank product to present customers using big data intellectual analysis, and specific aim is stronger.

Figure 15 indicates the client terminal structure schematic diagram that one or more embodiment of this specification provides.As shown in figure 15, The client may include:

Data transmission blocks 802 can be used for sending business handling request to server, so that the server is according to institute It states business handling to request to determine mobile banking's scheduling result, the business handling request includes customer information, target position information And business information to be handled；

Second data reception module 802 can be used for receiving mobile banking's site scheduling result of the server feedback, The scheduling result includes the response results of bank outlets to be dispatched, ID, real time position, wherein the bank outlets to be dispatched It is determined by the server according to the target position and business information to be handled；

Display module 806 can be used for scheduling result described in present customers, so that the client ties according to the scheduling Fruit determines when dispatching mobile banking, the arrival target position, site, and the mobile banking site to be dispatched is utilized to carry out business It handles.

Figure 16 and Figure 17 indicates the client terminal structure schematic diagram in a Scene case of this specification.As shown in figure 16, The client may include that call request sending module, real time position check module, service evaluation module.As described in Figure 17,

1) call request sending module

Client issues service request in client, is needed in request message comprising destination address, the business tine to be handled And customer information.

2) vehicle real time position checks module

Client can check the license plate number and real time position of vehicle in client, so as to aware service progress.

3) service evaluation module

After service, client can be evaluated entire service process.

When it is implemented, client can reserve mobile banking site by client, and can be with real time inspection mobile banking The information such as scheduling result, the real time position of site, to easily realize bank by way of reserving mobile banking site Business handling.

This specification one or more embodiment also provides a kind of mobile banking's dot data processing system.The system It may include the software (application) for having used this specification embodiment the method, module, component, server etc. and combine necessary Implement hardware composition system.The system can be individual mobile banking's dot data processing system, can also apply In a variety of computer data processing systems.The system can be individual server, also may include having used this theory The server cluster of one or more the methods of bright book or one or more embodiment devices, system (including distributed system System), software (application), practical operation device, logic gates device, quantum computer etc. and combine necessary implementation hardware Terminal installation.

Mobile banking's dot data processing system may include that at least one processor and storage computer can be held The memory of row instruction, the processor realize side described in above-mentioned any one or multiple embodiments when executing described instruction The step of method.

Figure 18 indicates mobile banking's dot data processing system structural schematic diagram in a Scene case of this specification. As shown in figure 18, mobile banking's dot data processing system may include visitor described in said one or multiple embodiments Family end, server and mobile banking site.

" customer information, is intended to transacting business at destination address " information is sent to by the call request sending module in client The call request receiving module of server end；

After call request receiving module receives three kinds of information, it is passed along scheduler module, at this moment, scheduler module calls basis Maintenance of information module obtains " the affiliated site of vehicle, type of vehicle, vehicle-state " information, and real time information update module is called to obtain " real time position, real time electrical quantity " is taken, final decision of sending a car is provided then in conjunction with these use of information dispatching algorithms.

According to decision of sending a car, vehicle ID is transmitted to instruction sending module, instruction sending module sends instructions to corresponding vehicle, After vehicle end receives the instruction, start out at once；

After vehicle reaches destination address, the verifying of client identity is carried out by authentication module, successively identity is called to test " ID card verification, face verification, the check code verifying " in module is demonstrate,proved, interior transacting business is subsequently entered；

After business handling, client evaluates service by the service evaluation module of client；

In whole process, the real time information sending module of vehicle end is by " vehicle ID, real time position, the real time electrical quantity " of vehicle It is sent to server end, server end carries out the update of information by real time information update module；

In vehicle travel process, client can check that vehicle location, the real time position of client check that module passes through tune at any time " vehicle number (i.e. vehicle ID), real time position " is obtained with the real time information update module of server end；

The feedback information of data analysis module combination historical record and the service evaluation module from client analyzes net The optimal number and best resource configuration of point vehicle.

It should be noted that system described above can also include others according to the description of method or Installation practice Embodiment, concrete implementation mode are referred to the description of related method embodiment, do not repeat one by one herein.

A kind of mobile banking's dot data processing system described in above-described embodiment can initiate business by client and do Reason request, bank server can adjust the mobile banking site near target position after receiving business handling request Degree is reached in face of client so that meeting the mobile banking site of business handling demand with most fast speed.It is mobile silver-colored when determining When row site reaches required target position, mobile banking site can acquire the identity data of client, and be sent to bank Server carries out authentication to client by bank server, and verification result is fed back to mobile banking site.Authentication By rear, client, which can enter, carries out business handling in the mobile banking site.It, can be safe using this specification embodiment Effective mobile, timeliness and the convenience realizing banking and handling.

It should be noted that this specification device or system described above according to the description of related method embodiment also It may include other embodiments, concrete implementation mode is referred to the description of embodiment of the method, does not go to live in the household of one's in-laws on getting married one by one herein It states.All the embodiments in this specification are described in a progressive manner, and same and similar part is mutual between each embodiment Mutually referring to each embodiment focuses on the differences from other embodiments.Especially for hardware+program For class, storage medium+program embodiment, since it is substantially similar to the method embodiment, so be described relatively simple, it is related Place illustrates referring to the part of embodiment of the method.

Although classification, business configuration for mentioning in this specification embodiment content etc. obtain, definition, interaction, calculate, judgement Deng operation and data description, still, this specification embodiment is not limited to comply with standard data model/template or sheet Situation described in specification embodiment.Certain professional standards or the practice processes described using customized mode or embodiment On embodiment modified slightly also may be implemented above-described embodiment it is identical, it is equivalent or it is close or deformation after it is anticipated that reality Apply effect.Using the embodiment of the acquisitions such as these modifications or deformed data acquisition, storage, judgement, processing mode, still may be used To belong within the scope of the optional embodiment of this specification.

System, device, module or the unit that above-described embodiment illustrates can specifically realize by computer chip or entity, Or it is realized by the product with certain function.It is a kind of typically to realize that equipment is computer.Specifically, computer for example may be used Think personal computer, laptop computer, vehicle-mounted human-computer interaction device, cellular phone, camera phone, smart phone, individual Digital assistants, media player, navigation equipment, electronic mail equipment, game console, tablet computer, wearable device or The combination of any equipment in these equipment of person.

For convenience of description, it is divided into various modules when description apparatus above with function to describe respectively.Certainly, implementing this The function of each module can be realized in the same or multiple software and or hardware when specification one or more, it can also be with The module for realizing same function is realized by the combination of multiple submodule or subelement etc..Installation practice described above is only It is only illustrative, for example, in addition the division of the unit, only a kind of logical function partition can have in actual implementation Division mode, such as multiple units or components can be combined or can be integrated into another system or some features can be with Ignore, or does not execute.Another point, shown or discussed mutual coupling, direct-coupling or communication connection can be logical Some interfaces are crossed, the indirect coupling or communication connection of device or unit can be electrical property, mechanical or other forms.

It is also known in the art that other than realizing controller in a manner of pure computer readable program code, it is complete Entirely can by by method and step carry out programming in logic come so that controller with logic gate, switch, specific integrated circuit, programmable Logic controller realizes identical function with the form for being embedded in microcontroller etc..Therefore this controller is considered one kind Hardware component, and the structure that the device for realizing various functions that its inside includes can also be considered as in hardware component.Or Person even, can will be considered as realizing the device of various functions either the software module of implementation method can be hardware again Structure in component.

The present invention be referring to according to the method for the embodiment of the present invention, the process of equipment (system) and computer program product Figure and/or block diagram describe.It should be understood that every one stream in flowchart and/or the block diagram can be realized by computer program instructions The combination of process and/or box in journey and/or box and flowchart and/or the block diagram.It can provide these computer programs Instruct the processor of general purpose computer, special purpose computer, Embedded Processor or other programmable data processing devices to produce A raw machine, so that being generated by the instruction that computer or the processor of other programmable data processing devices execute for real The device for the function of being specified in present one or more flows of the flowchart and/or one or more blocks of the block diagram.

These computer program instructions, which may also be stored in, is able to guide computer or other programmable data processing devices with spy Determine in the computer-readable memory that mode works, so that it includes referring to that instruction stored in the computer readable memory, which generates, Enable the manufacture of device, the command device realize in one box of one or more flows of the flowchart and/or block diagram or The function of being specified in multiple boxes.

These computer program instructions also can be loaded onto a computer or other programmable data processing device, so that counting Series of operation steps are executed on calculation machine or other programmable devices to generate computer implemented processing, thus in computer or The instruction executed on other programmable devices is provided for realizing in one or more flows of the flowchart and/or block diagram one The step of function of being specified in a box or multiple boxes.

In a typical configuration, calculating equipment includes one or more processors (CPU), input/output interface, net Network interface and memory.

It should also be noted that, the terms "include", "comprise" or its any other variant are intended to nonexcludability It include so that the process, method, commodity or the equipment that include a series of elements not only include those elements, but also to wrap Include other elements that are not explicitly listed, or further include for this process, method, commodity or equipment intrinsic want Element.In the absence of more restrictions, the element limited by sentence "including a ...", it is not excluded that including described want There is also other identical elements in the process, method or equipment of element.

It will be understood by those skilled in the art that this specification one or more embodiment can provide as method, system or calculating Machine program product.Therefore, this specification one or more embodiment can be used complete hardware embodiment, complete software embodiment or The form of embodiment combining software and hardware aspects.Moreover, this specification one or more embodiment can be used at one or It is multiple wherein include computer usable program code computer-usable storage medium (including but not limited to magnetic disk storage, CD-ROM, optical memory etc.) on the form of computer program product implemented.

This specification one or more embodiment can computer executable instructions it is general on It hereinafter describes, such as program module.Generally, program module includes executing particular task or realization particular abstract data type Routine, programs, objects, component, data structure etc..This this specification one can also be practiced in a distributed computing environment Or multiple embodiments, in these distributed computing environments, by being held by the connected remote processing devices of communication network Row task.In a distributed computing environment, program module can be located at the local and remote computer including storage equipment In storage medium.

All the embodiments in this specification are described in a progressive manner, same and similar portion between each embodiment Dividing may refer to each other, and each embodiment focuses on the differences from other embodiments.Especially for system reality For applying example, since it is substantially similar to the method embodiment, so being described relatively simple, related place is referring to embodiment of the method Part explanation.In the description of this specification, reference term " one embodiment ", " some embodiments ", " example ", The description of " specific example " or " some examples " etc. means specific features described in conjunction with this embodiment or example, structure, material Or feature is contained at least one embodiment or example of this specification.In the present specification, to the signal of above-mentioned term Property statement must not necessarily be directed to identical embodiment or example.Moreover, specific features, structure, material or the spy of description Point may be combined in any suitable manner in any one or more of the embodiments or examples.In addition, without conflicting with each other, Those skilled in the art can be by different embodiments or examples described in this specification and different embodiments or examples Feature is combined.

The foregoing is merely the embodiments of this specification, are not limited to this specification.For art technology For personnel, this specification can have various modifications and variations.It is all made any within the spirit and principle of this specification Modification, equivalent replacement, improvement etc., should be included within the scope of the claims of this specification.

Claims

1. a kind of mobile banking's dot data processing method characterized by comprising

Business handling request is sent to server by client, and the business handling request includes customer information, target position letter Breath and business information to be handled；

Server determines mobile banking site to be dispatched according to the target position and business information to be handled, and to it is described to It dispatches bank outlets and sends dispatch command；

Described when dispatching mobile banking, the arrival target position, site when determining, the bank outlets to be dispatched acquire client Identity data and be transferred to the server so that the server is according to the customer information and the identity data of acquisition Authentication is carried out to client；

The mobile banking site receives the client identity verification result of the server feedback, and is logical in authentication result It is out-of-date, allow client to carry out business handling.

2. a kind of mobile banking's dot data processing method characterized by comprising

Business handling request is received, the business handling request is including customer information, target position information and to transacting business Information；

Within the scope of preset schedule, determines and be in idle condition and relative to the target position apart from the mobile silver of the smallest top n Row site, as candidate mobile banking site；

The industry that the candidate mobile banking site is configured is judged according to the service configuration information of the candidate mobile banking site Whether business data cover the business information to be handled, and obtain the first judging result；

If the first judging result be it is yes, the candidate mobile banking site is determined as mobile banking site to be dispatched；

Dispatch command is sent to the mobile banking site to be dispatched, so that the mobile banking site to be dispatched responds the industry Request is handled in business.

3. according to the method described in claim 2, it is characterized in that, described be determined as the candidate mobile banking site wait adjust Spend mobile banking site, comprising:

Whether the electricity of vehicle meets roundtrip where judging the candidate mobile banking site, obtains the second judging result；

If the second judging result be it is yes, the candidate mobile banking site is determined as mobile banking site to be dispatched.

4. method according to claim 1 or 2, which is characterized in that the determination is in idle condition and the relatively described mesh Cursor position is apart from the smallest top n mobile banking site, as candidate mobile banking site, comprising:

Outside radiativity searches for fixed site centered on the target position, and one or more is laid in the fixed site A mobile banking site；

The mobile banking site in first fixed site that traversal search arrives, it is determined whether there is the movement being in idle condition Bank outlets determine next fixed site if it does not exist, then continuing searching, and traverse the mobile banking in the fixation site Site, until the mobile banking site for determining to be in idle condition；

5. according to the method described in claim 2, it is characterized in that, before reception business handling request, further includes:

According to one or more of the business function coverage rate, historical data and client feedback information of bank self-aid apparatus Classify to mobile banking site.

6. according to the method described in claim 5, it is characterized in that, the business information to be handled includes service class to be handled Type；

Whether the business datum for judging that the candidate mobile banking site is configured covers the business information packet to be handled It includes: judging whether the type of the candidate mobile banking site is adapted with the type of service to be handled.

7. according to the method described in claim 5, it is characterized in that, before reception business handling request, further includes:

The quantity of mobile banking site all types of in fixed site is moved according to historical data and/or client feedback information State configuration.

8. the method according to the description of claim 7 is characterized in that described all types of in site to fixing according to historical data The quantity of mobile banking site is configured, comprising:

The historical data for counting preset data type carries out the historical data based on the polynomial mathematical model constructed in advance Fitting of a polynomial seeks multinomial coefficient:

P=polyfit (x, Y (A), n)

Wherein, p is the system of polynomials number vector of power from high to low, and polyfit is polynomial fitting, and what is constructed in advance is more Item formula mathematical model are as follows:

Y (A)=p (1) * xⁿ+p(2)*x^(n-1)+......+p(n)*x+p(n+1)

Wherein, Y (A) represents the demand of the mobile banking site of type-A, and x represents the sampling time, and n is polynomial number, p It (n) is multinomial coefficient；

The multinomial coefficient sought is substituted into the polynomial mathematical model, obtains mobile banking site and the time of respective type Relational model；

9. according to the method described in claim 2, it is characterized in that, the method also includes:

When the response results are to receive scheduling, the real-time position information of the mobile banking site feedback to be dispatched is received, And the ID of the mobile banking site to be dispatched and real-time position information are sent to client, to be shown to client.

10. according to the method described in claim 2, it is characterized in that, the method also includes:

Customer identification data collection is transferred according to the customer information, and by the customer identification data of the acquisition and the identity Data set is compared, and obtains client identity verification result；

The client identity verification result is fed back into the mobile banking site to be dispatched, so that the mobile banking to be dispatched Site verification result be by when, allow client carry out business handling.

11. a kind of server, which is characterized in that the server includes:

First data reception module, for receiving business handling request, the business handling request includes customer information, target position Confidence breath and business information to be handled；

Scheduling result determining module, for determining mobile banking site according to the business handling request and preset schedule algorithm Scheduling result, comprising:

Candidate site determination unit, within the scope of preset schedule, determination is in idle condition and the relatively described target position Apart from the smallest top n mobile banking site, as candidate mobile banking site；

Business matching unit, for judging the candidate mobile silver according to the service configuration information of the candidate mobile banking site Whether the business datum that row site is configured covers the business information to be handled, and obtains the first judging result；

Scheduling result determination unit, if for the first judging result be it is yes, the candidate mobile banking site is determined as Mobile banking site to be dispatched；

Instruction sending module, for sending dispatch command to the mobile banking site to be dispatched, so that the movement to be dispatched Bank outlets respond the business handling request.

12. server according to claim 11, which is characterized in that the server further include:

Categorization module, in the business function coverage rate, historical data and client feedback information according to bank self-aid apparatus One or more classify to mobile banking site.

13. server according to claim 11, which is characterized in that the server further include:

Resource configuration module, for according to historical data and/or client feedback information to mobile silver all types of in fixed site The quantity of row site carries out dynamic configuration.

14. server according to claim 11, which is characterized in that the server further include:

First authentication module is believed for receiving the customer identification data of mobile banking site acquisition, and according to the client Breath transfers the identity data collection of client, and the customer identification data of the acquisition is compared with the identity data collection, Obtain client identity verification result.

15. a kind of server, which is characterized in that the server includes call request receiving module, scheduler module, instruction transmission Module, real time information update module, basic information maintenance module and data analysis module, wherein

For the call request receiving module for receiving business handling request, the business handling request includes customer information, mesh Cursor position information and business information to be handled；

The basic information maintenance module is used to store the basic information of each mobile banking site, and the basic information includes moving ID, type, state and the affiliated administrative site of dynamic bank outlets；

For receiving the real time information from mobile banking, end, site, the real time information includes the real time information update module The ID of mobile banking site, real time position, real time electrical quantity；

The scheduler module is used to obtain the basis letter from the basic information maintenance module and real time information update module Breath and real time information carry out the scheduling of mobile banking site according to the basic information and real time information；

Described instruction sending module is used to issue to mobile banking site to be dispatched and instruct, and described instruction includes target position letter Breath；

The data analysis module is for the type according to historical data and/or client feedback information to mobile banking site, number Amount is configured.

16. a kind of mobile banking's dot data processing method characterized by comprising

Business handling request is sent to server, so that the server requests to determine mobile banking's tune according to the business handling Degree is as a result, business handling request includes customer information, target position information and business information to be handled；

Mobile banking's site scheduling result of the server feedback is received, the scheduling result includes bank outlets to be dispatched Response results, ID, real time position, wherein the bank outlets to be dispatched by the server according to the target position and Business information to be handled determines；

To scheduling result described in present customers, so that the client determines mobile banking site to be dispatched according to the scheduling result When reaching the target position, business handling is carried out using the mobile banking site to be dispatched.

17. a kind of client, which is characterized in that the client includes:

Data transmission blocks, for sending business handling request to server, so that the server is according to the business handling It requests to determine mobile banking's scheduling result, the business handling request is including customer information, target position information and wait handle Business information；

Second data reception module, for receiving mobile banking's site scheduling result of the server feedback, the scheduling knot Fruit includes the ID of bank outlets to be dispatched, real time position, wherein the bank outlets to be dispatched are by described according to the target position It sets and business information to be handled determines；

Display module is used for scheduling result described in present customers, so that the client determines according to the scheduling result wait adjust When spending mobile banking, the arrival target position, site, the mobile banking site to be dispatched is utilized to carry out business handling.

18. a kind of client, which is characterized in that the client include call request sending module, real time position check module, Service evaluation module, wherein

The call request sending module is used to for business handling request being sent to server, and the business handling request includes visitor Family information, target position information and business information to be handled；

The license plate of vehicle where the real time position checks mobile banking site to be dispatched of the module for receiving server feedback Number and real time position, and be shown to client；

19. a kind of mobile banking's dot data processing method characterized by comprising

The dispatch command that server is sent is received, the dispatch command is by the server based on the received business handling request Target position and business information to be handled determine；

When determining that mobile banking site reaches the target position, the identity data of client is acquired, and be sent to the service Device so that the server based on the received business handling request in customer information and acquisition identity data to client into Row authentication；

Receive the authentication of the server feedback as a result, when authentication result be by when, allow client carry out business It handles.

20. a kind of mobile banking site, which is characterized in that the mobile banking site includes:

Respond module is instructed, for receiving the dispatch command of server transmission, the dispatch command is by the server according to connecing Target position and business information to be handled in the business handling request of receipts determine, and respond the dispatch command, so as to move Dynamic bank outlets go to the target position；

Real time information sending module, for response results, ID, real time position and real time electrical quantity to be sent to the server；

Second authentication module is sent to the service for acquiring the identity data of client, and by the identity data of acquisition Device, and receive the server feedback authentication as a result, when authentication result be by when, allow client enter and Transacting business；

Exception monitoring module, for obtain mobile banking site inside the vehicle and the testing result of surrounding, it is different when occurring When reason condition, alarm to the point of administrative network belonging to mobile banking site.

21. a kind of mobile banking site, which is characterized in that the mobile banking site includes that banking handles terminal, identity Identifier and multiple cameras, wherein

The banking handles terminal and is laid in the mobile banking site institute inside the vehicle, carries out banking for client Business is handled；

Where the identity recognition instrument is laid in the mobile banking site at the car door of vehicle, for acquiring the identity number of client According to, and be transferred to server, and receive server feedback authentication as a result, and, when the verification result be by when, It can control car door opening；

22. a kind of mobile banking's dot data processing system, which is characterized in that mobile banking's dot data processing system can To include at least one processor and store the memory of computer executable instructions, when the processor executes described instruction The step of realizing any one of claim 1-10,16,19 the method.