CN110910251A - Control method of self-service terminal, server and computer storage medium - Google Patents
Control method of self-service terminal, server and computer storage medium Download PDFInfo
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Abstract
The application provides a control method of a self-service terminal, a server and a computer storage medium, wherein the server matches a foreign exchange limit of a user after obtaining the foreign exchange limit requested to be exchanged by the user; and if the matching is successful, controlling the self-service terminal logged in by the user to provide corresponding foreign exchange service. According to the scheme, the foreign exchange quota adaptive to each user can be calculated according to the personal information of each user, and whether the self-service terminal is controlled to provide self-service foreign exchange service for the user is determined based on the personalized foreign exchange quota of the user, so that the personalized requirements of each user can be better met by the self-service foreign exchange service, and the user experience is improved.
Description
Technical Field
The invention relates to the technical field of self-service equipment, in particular to a control method of a self-service terminal, a server and a computer storage medium.
Background
With the development of economy, the international consumption behaviors including international shopping, outbound travel and the like are increasing, and the foreign exchange requirements of corresponding users are also increasing. Therefore, more and more banks are beginning to provide self-service terminals supporting self-service foreign exchange and matched servers and control methods to meet the user requirements.
The existing method for providing self-service foreign exchange generally sets an exchange limit for all users according to bank information, and requires that the exchange request amount of each user using the self-service foreign exchange service is within the range of the exchange limit.
However, different users have different consumption conditions and asset conditions, and it is obvious that the redemption requirements of all users cannot be met by limiting all users with uniform redemption limits, so the user experience of the existing method is poor.
Disclosure of Invention
In order to solve the problems in the prior art, the application provides a control method of a self-service terminal, a server and a computer storage medium, so as to provide a personalized scheme for formulating a foreign exchange limit and meet the exchange requirements of all users.
The first aspect of the present application provides a control method for a self-service terminal, including:
receiving a foreign exchange request of a user; the foreign exchange request carries the foreign exchange amount required to be exchanged and the foreign exchange type information required to be exchanged;
matching the foreign exchange quota requested to be exchanged with the foreign exchange quota of the user; the foreign exchange quota of the user is obtained by calculation according to the asset information of the user and the historical exchange record of the user;
and if the foreign exchange limit requested to be exchanged is successfully matched with the foreign exchange limit of the user, controlling the self-service terminal logged in by the user to provide corresponding foreign exchange service based on the foreign exchange request.
Optionally, the foreign exchange quota of the user includes a foreign exchange lower limit calculated according to the historical exchange record of the user, and a foreign exchange upper limit calculated according to the asset information of the user and the historical exchange record of the user;
the matching of the foreign exchange quota requested to be exchanged with the foreign exchange quota of the user comprises the following steps:
judging whether the foreign exchange amount requested to be exchanged is located in a closed interval determined by the foreign exchange lower limit and the foreign exchange upper limit of the user;
and if the foreign exchange quota requesting to be exchanged is located in a closed interval determined by the foreign exchange lower limit and the foreign exchange upper limit of the user, determining that the foreign exchange quota requesting to be exchanged is successfully matched with the foreign exchange quota of the user.
Optionally, the controlling the self-service terminal that the user logs in to provide the corresponding foreign exchange service based on the foreign exchange request includes:
and sending the foreign exchange amount requested to be exchanged by the user and first indication information used for indicating that the foreign exchange amount requested to be exchanged by the user is successfully matched with the foreign exchange limit of the user to the self-service terminal logged in by the user, and triggering the self-service terminal logged in by the user to provide corresponding foreign exchange service based on the foreign exchange request.
Optionally, after the matching of the foreign exchange quota requested to be redeemed with the foreign exchange quota of the user, the method further includes:
and if the foreign exchange quota which is requested to be exchanged is unsuccessfully matched with the foreign exchange quota of the user, outputting request failure information and the current foreign exchange quota of the user.
Optionally, if the fx limit requested to be exchanged is successfully matched with the fx limit of the user, controlling the self-service terminal logged in by the user to provide a corresponding fx exchange service based on the fx exchange request, including:
if the foreign exchange quota requested to be exchanged is successfully matched with the foreign exchange quota of the user, the identity of the user is verified through a self-service terminal logged in by the user;
and if the user passes the identity authentication, controlling the self-service terminal logged in by the user to provide corresponding foreign exchange service based on the foreign exchange request.
Optionally, the authenticating the user by the self-service terminal logged in by the user includes:
receiving the identity card information of the user, which is acquired by a self-service terminal where the user logs in;
searching out identity card information corresponding to an account number input when the user logs in the self-service terminal from a pre-established database;
and if the identity card information acquired by the self-service terminal is consistent with the identity card information corresponding to the account, determining that the user passes identity authentication.
A second aspect of the present application provides a server comprising:
the receiving unit is used for receiving a foreign exchange request of a user; the foreign exchange request carries the foreign exchange amount required to be exchanged and the foreign exchange type information required to be exchanged;
the matching unit is used for matching the foreign exchange quota with the foreign exchange quota of the user; the foreign exchange quota of the user is obtained by calculation according to the asset information of the user and the historical exchange record of the user;
and the control unit is used for controlling the self-service terminal logged in by the user to provide corresponding foreign exchange service based on the foreign exchange request if the matching of the foreign exchange limit and the foreign exchange limit of the user is successful.
Optionally, the matching unit includes:
the computing unit is used for computing a foreign exchange lower limit according to the historical exchange record of the user and computing a foreign exchange upper limit according to the asset information of the user and the historical exchange record of the user; the combination of the lower foreign exchange limit of the user and the upper foreign exchange limit of the user is the foreign exchange limit of the user;
the judging unit is used for judging whether the foreign exchange amount is located in a closed interval determined by the foreign exchange lower limit and the foreign exchange upper limit of the user;
and the determining unit is used for determining that the foreign exchange limit is successfully matched with the foreign exchange limit of the user if the foreign exchange limit is positioned in a closed interval determined by the foreign exchange lower limit and the foreign exchange upper limit of the user.
Optionally, when the control unit controls the self-service terminal that the user logs in to provide the corresponding foreign exchange service based on the foreign exchange request, the control unit is specifically configured to:
and sending the foreign exchange amount requested to be exchanged by the user and first indication information used for indicating that the foreign exchange amount requested to be exchanged by the user is successfully matched with the foreign exchange limit of the user to the self-service terminal logged in by the user, and triggering the self-service terminal logged in by the user to provide corresponding foreign exchange service based on the foreign exchange request.
A third aspect of the present application provides a computer storage medium for storing a program which, when executed, is configured to implement the control method of a self-service terminal as provided in any one of the first aspects of the present application.
According to the scheme provided by the application, after the server obtains the foreign exchange quota exchanged by the user request, the foreign exchange quota is matched with the foreign exchange quota of the user; and if the matching is successful, controlling the self-service terminal logged in by the user to provide foreign currency matched with the foreign exchange amount requested to be exchanged. According to the scheme, the foreign exchange quota adaptive to each user can be calculated according to the personal information of each user, and whether the self-service terminal provides self-service foreign exchange service for the user or not is determined and controlled based on the personalized foreign exchange quota of the user, so that the personalized requirements of each user can be better met by the self-service foreign exchange service, and the user experience is improved.
Drawings
In order to more clearly illustrate the embodiments of the present invention or the technical solutions in the prior art, the drawings used in the description of the embodiments or the prior art will be briefly described below, it is obvious that the drawings in the following description are only embodiments of the present invention, and for those skilled in the art, other drawings can be obtained according to the provided drawings without creative efforts.
Fig. 1 is a flowchart of a control method of a self-service terminal according to an embodiment of the present disclosure;
FIG. 2 is a flow chart of a method for determining a foreign exchange quota based on a user's asset condition and historical redemption records according to an embodiment of the present application;
fig. 3 is a schematic structural diagram of a server according to an embodiment of the present application.
Detailed Description
The technical solutions in the embodiments of the present invention will be clearly and completely described below with reference to the drawings in the embodiments of the present invention, and it is obvious that the described embodiments are only a part of the embodiments of the present invention, and not all of the embodiments. All other embodiments, which can be derived by a person skilled in the art from the embodiments given herein without making any creative effort, shall fall within the protection scope of the present invention.
With the development of the world economy, economic transactions between different countries become more frequent, wherein there are small economic activities caused by activities such as transnational tourism and study retention and large economic activities caused by activities such as transnational trade, and different countries generally have different currencies respectively, so to realize economic transactions between different countries, currency exchange between different countries, that is, foreign exchange is inevitably involved.
Commercial banks in various countries can generally provide foreign exchange services, and some commercial banks currently provide a self-service foreign exchange service with the development of technology. Specifically, the user can submit a foreign exchange application to a service system of the commercial bank to request to exchange the currency of a certain amount of a target country, the service system checks the application, if the amount of the currency which the user requests to exchange is smaller than or equal to a preset self-service exchange limit, the checking is passed, the currency of the target country is provided for the user through the self-service terminal based on the application of the user, and the currency of the home country corresponding to the amount is deducted from a deposit account of the commercial bank according to the current exchange rate of the user to finish foreign exchange.
In the present application, the target country refers to a country that needs to be exchanged and is designated by the user in any foreign exchange, for example, the user in country a requests to exchange currency in country B, which is the target country.
It can be easily found that the existing foreign exchange application of the foreign exchange is checked by the same self-service exchange limit for all users, however, different users obviously have different foreign exchange requirements according to their own consumption requirements and asset conditions. On one hand, if a user needs to participate in a certain scale of transnational trading activity, the user needs to exchange the currency of a target country with a larger amount, and the user obviously wants to have a higher self-service exchange limit, and on the other hand, for the user who only needs to exchange a small amount of currency of the target country to support the expense in the short-term travel process of the target country, in order to reduce the safety risk of the user, a lower self-service exchange limit should be set so as to avoid the property loss of the user with a large amount when a safety accident occurs.
In summary, the existing method for auditing the foreign exchange applications of all users based on the same self-service exchange quota is difficult to meet the requirements of different users, and the user experience is poor.
In view of the foregoing disadvantages of the prior art, a first embodiment of the present application provides a control method for a self-service terminal, and this embodiment configures an individualized fx limit for each user according to asset conditions and consumption conditions of the user, so as to improve user experience when the user uses a self-service fx exchange service.
Referring to fig. 1, the method provided in this embodiment includes the following steps:
it should be noted that, in the aspect of foreign exchange, the commercial bank may set a corresponding server for supporting foreign exchange, and the server may be configured to check an exchange request of a user, control the self-service terminal to issue currency of a target country, perform user identity verification based on information acquired by the self-service terminal, and the like.
The steps in this embodiment are described with the above-described server for supporting the foreign exchange service as an execution subject.
S101, receiving a foreign exchange request of a user.
The foreign exchange request carries the foreign exchange amount requested to be exchanged and the foreign exchange type information requested to be exchanged.
It can be understood that the currency requested to be exchanged may be directly recorded in the foreign exchange request, or an identifier of the target country may also be recorded in the foreign exchange request, and the server may also directly determine which currency the user requests to exchange according to the identifier of the target country.
Alternatively, the user may send the foreign exchange redemption request to the server through a variety of channels.
In the first aspect, the user can send the foreign exchange request to the server through any network terminal provided by the commercial bank (the network terminal includes but is not limited to a portal, a client program running on a mobile intelligent device and a client program running on a desktop computer). The user can log in the network terminal by using the account number and the login password of the user, appoint a target country (namely, determine which country currency needs to be exchanged) and input a foreign exchange amount requesting for exchange, then the information provided by the user of the network terminal generates a foreign exchange request, and the foreign exchange request and the identity of the user are sent to the server.
In a second aspect, the user may provide the foreign exchange request to the server by short message or telephone dialing. Specifically, a telephone number for providing self-service foreign exchange service for the user can be preset, the user can edit the short message based on a certain format, provide own identity information (the user can be in an account of the commercial bank) in the short message, specify a target country and a foreign exchange amount for requesting exchange, and send the short message to the telephone number and forward the short message to the server, so that the step of sending the foreign exchange request can be completed.
Of course, the user can also dial the telephone number and input identity information and foreign exchange request through voice.
In the third aspect, the user can directly operate any self-service terminal supporting self-service foreign exchange service configured by the commercial bank, and send a foreign exchange request to the server through the self-service terminal.
And S102, matching the foreign exchange quota requested to be exchanged with the foreign exchange quota of the user.
And calculating the foreign exchange quota of the user according to the asset information of the user and the historical exchange record of the user.
And if the foreign exchange quota requested to be exchanged is successfully matched with the foreign exchange quota of the user, executing the step S103, and if the foreign exchange quota requested to be exchanged is unsuccessfully matched with the foreign exchange quota of the user, executing the step S104.
Optionally, the user's foreign exchange quota may include a foreign exchange upper limit and a foreign exchange lower limit, or may include only a foreign exchange upper limit.
On one hand, if the user' S foreign exchange quota includes a foreign exchange upper limit and a foreign exchange lower limit, the matching in step S102 may be:
judging whether the foreign exchange amount requested to be exchanged is located in a closed interval determined by a foreign exchange lower limit and a foreign exchange upper limit of the user;
if the foreign exchange amount requested to be exchanged is located in a closed interval determined by the foreign exchange lower limit and the foreign exchange upper limit of the user, namely the foreign exchange amount requested to be exchanged is smaller than or equal to the foreign exchange upper limit and is larger than or equal to the foreign exchange lower limit, determining that the foreign exchange amount requested to be exchanged is successfully matched with the foreign exchange limit of the user;
and if the foreign exchange quota requesting for exchange is not in the closed interval determined by the foreign exchange lower limit and the foreign exchange upper limit of the user, determining that the foreign exchange quota requesting for exchange is failed to be matched with the foreign exchange quota of the user.
On the other hand, if the user' S foreign exchange limit includes only the foreign exchange upper limit, the matching in step S102 may be:
judging whether the foreign exchange amount requested to be exchanged is less than or equal to the foreign exchange upper limit of the user;
if the foreign exchange amount requested to be exchanged is less than or equal to the foreign exchange upper limit of the user, determining that the foreign exchange amount requested to be exchanged is successfully matched with the foreign exchange limit of the user;
and if the foreign exchange amount requested to be exchanged is larger than the foreign exchange upper limit of the user, determining that the foreign exchange amount requested to be exchanged is failed to be matched with the foreign exchange limit of the user.
Alternatively, for the same user, different fx limits may be set for different types of fx (of course, the same fx limit may also be set), for example, for a certain user, the fx limit when the user exchanges the currency a may be set as the first upper fx exchange limit a1 and the first lower fx exchange limit a2, and the fx limit when the user exchanges the currency B may be set as the second upper fx exchange limit B1 and the second lower fx exchange limit B2.
S103, controlling the self-service terminal logged in by the user to provide corresponding foreign exchange service based on the foreign exchange request of the user.
The self-service terminal is controlled to provide corresponding foreign exchange service, namely, the self-service terminal is controlled to provide target currency of the foreign exchange amount requested to be exchanged to the user, and the target currency refers to the currency corresponding to the foreign exchange type requested to be exchanged by the user.
Specifically, the server can send the foreign exchange amount requested to be exchanged by the user and first indication information used for indicating that the foreign exchange amount requested to be exchanged by the user is successfully matched with the foreign exchange limit of the user to the self-service terminal logged in by the user, and the self-service terminal provides foreign currency matched with the foreign exchange amount requested by the user to the user after receiving the information.
Optionally, if the user sends the foreign exchange request to the server in the manner of the first aspect or the second aspect in step S101, step S103 may be implemented by the server controlling a self-service terminal that the user logs in after the user logs in any self-service terminal, and if the user sends the foreign exchange request to the server in the manner of the third aspect in step S101, the server may directly control the self-service terminal that the user operates and is used for sending the foreign exchange request to implement step S103.
It is understood that, in order to secure the assets of the user, step S103 may be performed after the user is authenticated and the authentication is successful.
Optionally, if the user sends the foreign exchange redemption request to the server in the manner of the first aspect or the second aspect in step S101, the server may perform identity authentication on the user after the user logs in any self-service terminal, and if the authentication is successful, perform step S103. If the user sends the foreign exchange redemption request to the server in the manner of the third aspect in step S101, the server may authenticate the user before the user operates the self-service terminal to send the foreign exchange redemption request, or may authenticate the user after step S102 is executed.
It should be noted that the authentication of the user may be performed before step S102 or after step S102.
In any embodiment of the present application, the server may perform authentication on the user through any one or a combination of the following three authentication methods:
the first authentication method is identity card information authentication. The self-service terminal can prompt a user who logs in at present to place an identity card in an identity card scanning area, so that identity card information provided by the user is obtained, the identity card information provided by the user is sent to the server, on one hand, the server receives the identity card information obtained by scanning the identity card provided by the user, on the other hand, the server can find out the identity card information corresponding to an account number recorded in a database based on the account number provided when the user logs in, and if the identity card information corresponding to the account number is consistent with the identity card information obtained by scanning, the server determines that the user passes identity card information verification.
The second authentication method is password authentication. The self-service terminal can prompt a user who logs in at present to input a withdrawal password corresponding to an account and send the withdrawal password to the server, the server compares the withdrawal password provided by the user with a password corresponding to a login account recorded in the database, and if the withdrawal password provided by the user is consistent with the password, the server determines that the user passes the password authentication. The login account refers to an account input by the user when logging in the self-service terminal.
The third verification method is face recognition verification. The self-service terminal can utilize the camera to collect the facial image of the user who logs in at present, and send the facial image of collection to the server. The server acquires a face image corresponding to an account number provided by a user during login from a database, then compares the face image corresponding to the account number with a face image obtained by scanning of the self-service terminal, and if a matching image of the two face images is higher than a certain threshold value, the server determines that the user passes face recognition verification.
Specifically, the authentication modes are used for identity authentication, and the authentication modes can be determined according to the position of the self-service terminal where the user logs in and the foreign exchange amount requested to be exchanged by the user.
For example, if the self-service terminal that the user logs in is a self-service terminal deployed in a banking outlet of a commercial bank, and the foreign exchange amount that the user requests to exchange is less than or equal to a preset first threshold, the server may perform identity authentication based on any one of the three authentication manners.
If the self-service terminal which the user logs in is a self-service terminal deployed in a bank outlet of a commercial bank and the foreign exchange amount which the user requests to exchange is larger than a preset first threshold value, the server needs to perform verification by using the three verification modes at the same time, and the user is determined to pass identity verification only if the three verification modes are successful.
If the self-service terminal logged in by the user is a self-service terminal deployed in other scenes except the bank outlets, the server needs to verify by using the three verification modes at the same time no matter how much foreign exchange amount the user requests to exchange, and the user is determined to pass the identity verification only if the three verification modes are successful.
And S104, outputting request failure information and the current foreign exchange quota of the user.
Optionally, the request failure information and the current foreign exchange quota of the user in step S104 may be output in any one or more of the following three output manners.
The first output mode is to display the information through a network terminal where a user logs in. Network terminals herein include, but are not limited to: the system comprises a portal, a client program running on the mobile intelligent device and a client program running on a desktop computer.
The second output mode is to send the mobile phone short message carrying the information to the mobile phone number registered in the system of the bank in advance by the user.
The third output mode is to display the information directly on the self-service terminal where the user logs in.
The application provides a control method of a self-service terminal, after a server obtains a foreign exchange amount requested to be exchanged by a user, the foreign exchange amount is matched with a foreign exchange limit of the user; and if the matching is successful, controlling the self-service terminal logged in by the user to provide corresponding foreign exchange service. According to the scheme, the foreign exchange quota adaptive to each user can be calculated according to the personal information of each user, and whether the self-service terminal is controlled to provide self-service foreign exchange service for the user is determined based on the personalized foreign exchange quota of the user, so that the personalized requirements of each user can be better met by the self-service foreign exchange service, and the user experience is improved.
With reference to the embodiment corresponding to fig. 1, a method for determining a foreign exchange limit of each user according to the asset condition of the user and the historical exchange record is provided below, where the foreign exchange limit of each user determined by the method provided in this embodiment may be used to perform matching between step S102 in the embodiment corresponding to fig. 1 and the foreign exchange limit requested by the user, so as to implement the scheme of personalized self-service foreign exchange provided in this application.
It should be noted that the following embodiment is only an optional way to determine the user's foreign exchange limit according to the user's property condition and historical exchange record, and besides the method described in the following embodiment, the user's foreign exchange limit determined by other methods may also be applied to the control method of the self-service terminal provided in this application.
Referring to fig. 2, the method for determining the foreign exchange quota of the user provided by the present application includes the following steps:
s201, acquiring the asset condition and the historical exchange record of the user.
The user's property profile may include, among other things, the user's periodic and current deposits at a commercial bank. The historical redemption record for the user may include the total amount of a certain type of foreign currency that the user redeemed over the last period of time.
Specifically, if the user requests to exchange the foreign currency X, it is obvious that the corresponding foreign exchange limit of the foreign currency X of the user needs to be used for auditing the exchange request of the user, and the corresponding historical exchange record may be the total amount of the foreign currency X exchanged by the user in the last period of time, for example, the total amount of the foreign currency X exchanged by the user in the last year.
S202, calculating the asset condition and the historical exchange record of the user by using a preset calculation formula to obtain the initial limit of the user.
If the foreign exchange limit amount to be determined includes a foreign exchange upper limit and a foreign exchange lower limit, step S202 needs to calculate an initial upper limit by using a preset upper limit calculation formula and an initial lower limit by using a preset lower limit calculation formula.
Specifically, assuming that the periodic deposit amount of a certain user is B, the current deposit amount is C, and meanwhile, the total amount of foreign currency X exchanged by the user in the past year is counted as C, then the initial lower limit a of the user can be calculated by using the following lower limit calculation formula:
A＝200+(B/10000+C×3/10000)×(D/C)
meanwhile, the initial upper limit F of the user can be calculated by using the following upper limit calculation formula:
F＝50000+(B/1000+C×3/1000)×(D/(B+C))
s203, matching the initial quota of the user with the corresponding quota threshold value.
If the initial quota of the user is successfully matched with the preset quota threshold, step S204 is executed, and if the initial quota of the user is unsuccessfully matched with the preset quota threshold, step S205 is executed.
Combining the steps, if the foreign exchange limit of the user comprises a foreign exchange upper limit and a foreign exchange lower limit, the limit threshold comprises an upper limit threshold and a lower limit threshold. Correspondingly, the matching in step S203 includes:
and judging whether the calculated initial upper limit is less than or equal to a preset upper limit threshold value or not, and judging whether the calculated initial lower limit is greater than or equal to a preset lower limit threshold value or not.
And if the initial upper limit is smaller than or equal to the preset upper limit threshold, determining that the initial upper limit matching of the user obtained by calculation is successful, and otherwise, determining that the initial upper limit matching of the user is failed.
And if the initial lower limit is greater than or equal to the preset lower limit threshold, determining that the initial lower limit of the user obtained by calculation is successfully matched, otherwise, determining that the initial lower limit of the user is failed to be matched.
Optionally, the lower threshold may be set according to a cost required by the bank to configure the self-service terminal with the foreign currency of the corresponding type.
And S204, determining the initial quota successfully matched as the foreign exchange quota of the user.
S205, determining the quota threshold value corresponding to the initial quota which fails to be matched as the foreign exchange quota of the user.
Step S204 and step S205 mean:
if the initial upper limit obtained by calculation is successfully matched and the initial lower limit is failed to be matched, determining the initial upper limit as the foreign exchange upper limit of the user and determining the lower limit threshold as the foreign exchange lower limit of the user;
if the initial upper limit matching fails and the initial lower limit matching succeeds, determining an upper limit threshold as a foreign exchange upper limit of the user, and determining an initial lower limit as a foreign exchange lower limit of the user;
if the initial upper limit and the initial lower limit are matched unsuccessfully, respectively determining the upper limit threshold and the lower limit threshold as a foreign exchange upper limit and a foreign exchange lower limit of the user;
and if the initial upper limit and the initial lower limit are successfully matched, respectively determining the initial upper limit and the initial lower limit obtained by calculation as the foreign exchange upper limit and the foreign exchange lower limit of the user.
Still another embodiment of the present application provides a server for executing a self-service terminal control method provided in other embodiments of the present application, please refer to fig. 3, where the server includes the following structure:
the receiving unit 301 is configured to receive a foreign exchange redemption request of a user.
The foreign exchange request carries the foreign exchange amount requested to be exchanged and the foreign exchange type information requested to be exchanged.
A matching unit 302, configured to match the foreign exchange quota with the foreign exchange quota of the user.
And calculating the foreign exchange quota of the user according to the asset information of the user and the historical exchange record of the user.
And the control unit 303 is configured to control the self-service terminal logged in by the user to provide a corresponding foreign exchange service based on the foreign exchange request if the matching between the foreign exchange limit and the foreign exchange limit of the user is successful.
Optionally, the matching unit 302 includes:
and the calculation unit is used for calculating a foreign exchange lower limit according to the historical exchange record of the user and calculating a foreign exchange upper limit according to the asset information of the user and the historical exchange record of the user.
And combining the lower foreign exchange limit of the user and the upper foreign exchange limit of the user into the foreign exchange quota of the user.
And the judging unit is used for judging whether the foreign exchange limit is positioned in a closed interval determined by the foreign exchange lower limit and the foreign exchange upper limit of the user.
And the determining unit is used for determining that the foreign exchange limit is successfully matched with the foreign exchange limit of the user if the foreign exchange limit is positioned in a closed interval determined by the foreign exchange lower limit and the foreign exchange upper limit of the user.
When the control unit 303 controls the self-service terminal where the user logs in to provide the corresponding foreign exchange service based on the foreign exchange request, the control unit is specifically configured to:
and sending the foreign exchange limit requested to be exchanged by the user and first indication information used for indicating that the foreign exchange limit requested to be exchanged by the user is successfully matched with the foreign exchange limit of the user to a self-service terminal logged in by the user, and triggering the self-service terminal logged in by the user to provide foreign currency matched with the foreign exchange limit requested to be exchanged.
Optionally, the control unit 303 is further configured to:
and if the foreign exchange quota requested to be exchanged is failed to be matched with the foreign exchange quota of the user, outputting request failure information and the current foreign exchange quota of the user.
Optionally, the server further includes an authentication unit 304, configured to perform identity authentication on the user, and if the user passes the identity authentication, trigger the control unit 303, so that the control unit 303 controls the self-service terminal, to which the user logs in, to provide a corresponding foreign exchange service based on the foreign exchange request.
Optionally, the authentication unit 304 may authenticate the user by performing the following method:
receiving user identity card information collected by a self-service terminal logged in by a user;
searching identity card information corresponding to an account number input when a user logs in the self-service terminal from a pre-established database;
and if the identity card information acquired by the self-service terminal is consistent with the identity card information corresponding to the account, determining that the user passes identity authentication.
Optionally, the authentication unit 304 may also authenticate the user through a variety of authentication techniques including, but not limited to, face recognition authentication, password authentication, and the like. The corresponding specific implementation manner may refer to corresponding steps in the control method of the self-service terminal provided in the embodiment of the present application.
The specific working principle of the server provided in this embodiment may refer to the control method of the self-service terminal provided in any embodiment of the present application, and details are not described here.
After a receiving unit 301 obtains a foreign exchange amount requested to be exchanged by a user, a matching unit 302 matches the foreign exchange amount with a foreign exchange limit of the user; the foreign exchange limit of the user is calculated according to the asset information of the user and the historical exchange record of the user, and if the matching is successful, the control unit 303 controls the self-service terminal logged in by the user to provide corresponding foreign exchange service. According to the scheme, the foreign exchange quota adaptive to each user can be calculated according to the personal information of each user, and whether the self-service terminal is controlled to provide self-service foreign exchange service for the user is determined based on the personalized foreign exchange quota of the user, so that the personalized requirements of each user can be better met by the self-service foreign exchange service, and the user experience is improved.
Still another embodiment of the present application further provides a computer storage medium for storing a program, and the stored program is used to implement the control method of the self-service terminal provided in any embodiment of the present application when executed.
Those skilled in the art can make or use the present application. Various modifications to these embodiments will be readily apparent to those skilled in the art, and the generic principles defined herein may be applied to other embodiments without departing from the spirit or scope of the application. Thus, the present application is not intended to be limited to the embodiments shown herein but is to be accorded the widest scope consistent with the principles and novel features disclosed herein.
Claims (10)
1. A control method of a self-service terminal is characterized by comprising the following steps:
receiving a foreign exchange request of a user; the foreign exchange request carries the foreign exchange amount required to be exchanged and the foreign exchange type information required to be exchanged;
matching the foreign exchange quota requested to be exchanged with the foreign exchange quota of the user; the foreign exchange quota of the user is obtained by calculation according to the asset information of the user and the historical exchange record of the user;
and if the foreign exchange limit requested to be exchanged is successfully matched with the foreign exchange limit of the user, controlling the self-service terminal logged in by the user to provide corresponding foreign exchange service based on the foreign exchange request.
2. The control method according to claim 1, wherein the user's foreign exchange quota includes a foreign exchange lower limit calculated according to the user's historical exchange record and a foreign exchange upper limit calculated according to the user's asset information and the user's historical exchange record;
the matching of the foreign exchange quota requested to be exchanged with the foreign exchange quota of the user comprises the following steps:
judging whether the foreign exchange amount requested to be exchanged is located in a closed interval determined by the foreign exchange lower limit and the foreign exchange upper limit of the user;
and if the foreign exchange quota requesting to be exchanged is located in a closed interval determined by the foreign exchange lower limit and the foreign exchange upper limit of the user, determining that the foreign exchange quota requesting to be exchanged is successfully matched with the foreign exchange quota of the user.
3. The control method of claim 1, wherein the self-service terminal controlling the user to log in provides corresponding foreign exchange service based on the foreign exchange request, and comprises the following steps:
and sending the foreign exchange amount requested to be exchanged by the user and first indication information used for indicating that the foreign exchange amount requested to be exchanged by the user is successfully matched with the foreign exchange limit of the user to the self-service terminal logged in by the user, and triggering the self-service terminal logged in by the user to provide corresponding foreign exchange service based on the foreign exchange request.
4. The method as claimed in claim 1, wherein after matching the foreign exchange quota requested to be exchanged with the foreign exchange quota of the user, the method further comprises:
and if the foreign exchange quota which is requested to be exchanged is unsuccessfully matched with the foreign exchange quota of the user, outputting request failure information and the current foreign exchange quota of the user.
5. The control method of claim 1, wherein if the foreign exchange quota requested to be exchanged is successfully matched with the foreign exchange quota of the user, controlling the self-service terminal logged in by the user to provide a corresponding foreign exchange service based on the foreign exchange request, comprises:
if the foreign exchange quota requested to be exchanged is successfully matched with the foreign exchange quota of the user, the identity of the user is verified through a self-service terminal logged in by the user;
and if the user passes the identity authentication, controlling the self-service terminal logged in by the user to provide corresponding foreign exchange service based on the foreign exchange request.
6. The control method according to claim 5, wherein the authenticating the user by the self-service terminal logged in by the user comprises:
receiving the identity card information of the user, which is acquired by a self-service terminal where the user logs in;
searching out identity card information corresponding to an account number input when the user logs in the self-service terminal from a pre-established database;
and if the identity card information acquired by the self-service terminal is consistent with the identity card information corresponding to the account, determining that the user passes identity authentication.
7. A server, comprising:
the receiving unit is used for receiving a foreign exchange request of a user; the foreign exchange request carries the foreign exchange amount required to be exchanged and the foreign exchange type information required to be exchanged;
the matching unit is used for matching the foreign exchange quota with the foreign exchange quota of the user; the foreign exchange quota of the user is obtained by calculation according to the asset information of the user and the historical exchange record of the user;
and the control unit is used for controlling the self-service terminal logged in by the user to provide corresponding foreign exchange service based on the foreign exchange request if the matching of the foreign exchange limit and the foreign exchange limit of the user is successful.
8. The server according to claim 7, wherein the matching unit comprises:
the computing unit is used for computing a foreign exchange lower limit according to the historical exchange record of the user and computing a foreign exchange upper limit according to the asset information of the user and the historical exchange record of the user; the combination of the lower foreign exchange limit of the user and the upper foreign exchange limit of the user is the foreign exchange limit of the user;
the judging unit is used for judging whether the foreign exchange amount is located in a closed interval determined by the foreign exchange lower limit and the foreign exchange upper limit of the user;
and the determining unit is used for determining that the foreign exchange limit is successfully matched with the foreign exchange limit of the user if the foreign exchange limit is positioned in a closed interval determined by the foreign exchange lower limit and the foreign exchange upper limit of the user.
9. The server according to claim 7, wherein the control unit is configured to, when controlling the self-service terminal that the user logs in to provide the corresponding foreign exchange service based on the foreign exchange request, specifically:
and sending the foreign exchange amount requested to be exchanged by the user and first indication information used for indicating that the foreign exchange amount requested to be exchanged by the user is successfully matched with the foreign exchange limit of the user to the self-service terminal logged in by the user, and triggering the self-service terminal logged in by the user to provide corresponding foreign exchange service based on the foreign exchange request.
10. A computer storage medium storing a program for implementing a method of controlling a self-service terminal as claimed in any one of claims 1 to 6 when executed.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
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| CN201911190939.8A CN110910251A (en) | 2019-11-28 | 2019-11-28 | Control method of self-service terminal, server and computer storage medium |
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| CN201911190939.8A CN110910251A (en) | 2019-11-28 | 2019-11-28 | Control method of self-service terminal, server and computer storage medium |
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Citations (2)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN108269353A (en) * | 2018-01-17 | 2018-07-10 | 北京网信云服信息科技有限公司 | Self-service machine and the self-service system of exchanging of exchanging |
| CN109934702A (en) * | 2019-03-17 | 2019-06-25 | 中国建设银行股份有限公司 | A kind of method, system and the electronic equipment of personal foreign exchange's business processing |
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2019
- 2019-11-28 CN CN201911190939.8A patent/CN110910251A/en active Pending
Patent Citations (2)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN108269353A (en) * | 2018-01-17 | 2018-07-10 | 北京网信云服信息科技有限公司 | Self-service machine and the self-service system of exchanging of exchanging |
| CN109934702A (en) * | 2019-03-17 | 2019-06-25 | 中国建设银行股份有限公司 | A kind of method, system and the electronic equipment of personal foreign exchange's business processing |
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