CN110930243A - Control method and device of self-service terminal - Google Patents
Control method and device of self-service terminal Download PDFInfo
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Abstract
The application discloses a control method and a device of a self-service terminal, wherein the method receives a money sending request of a user; the payment sending request of the user carries the payment sending amount requested by the user and the geographical position information of the user; determining a basic payment amount range corresponding to the user according to the geographical position information of the user; the basic payment amount range corresponding to the user is obtained from the per-capita deposit amount of the bank outlets corresponding to the user; the bank outlets corresponding to the users are determined according to the geographical position information of the users; and if the payment amount requested by the user is within the basic payment amount range corresponding to the user, determining to provide payment service for the user. According to the embodiment of the application, the basic payment amount range corresponding to the user is obtained by calculating the per-capita deposit amount, the bank outlets corresponding to the user are determined according to the geographical position information of the user, different payment amount ranges are set according to specific payment conditions, and the requirements of the user are better met.
Description
Technical Field
The invention relates to the technical field of computers, in particular to a control method and device of a self-service terminal.
Background
At present, in order to improve user experience and obtain more users, banks actively develop humanized money delivery service and safely deliver money applied by users to places specified by the users.
The user can send a money sending request to a bank through a client such as a mobile phone bank. After the server carries out identity verification, authority verification and other processing on the user according to the money sending request of the user, the staff sends the money applied by the user to a specified place according to the money sending information obtained from the server. The bank considers the factors of delivering cost, delivering safety and the like, the delivering amount range is set for delivering services, and the amount applied by the user must be within the set delivering amount range.
However, in the prior art, the bank sets the same payment amount range for each user, and does not set different payment amount ranges according to specific payment conditions, so that the demand of the user cannot be well met.
Disclosure of Invention
Based on the defects of the prior art, the application provides a control method and a control device of a self-service terminal, so that the range of different basic payment sending amounts is determined according to the geographical position information of a user, and the payment sending requirements of the user in different areas are met.
To solve the above problems, the following solutions are proposed:
the invention discloses a control method of a self-service terminal in a first aspect, which comprises the following steps:
receiving a user money sending request sent by a client; the user money sending request carries the money sending amount requested by the user and the geographical position information of the user;
determining a basic payment amount range corresponding to the user according to the geographical position information of the user; the basic payment amount range corresponding to the user is obtained by calculating the per-capita deposit amount of a bank outlet corresponding to the user; the bank outlets corresponding to the users are determined according to the geographical position information of the users; the basic payment amount range is adjusted upwards along with the increase of the per-person deposit amount;
judging whether the payment amount requested by the user is within the basic payment amount range corresponding to the user;
and if the payment amount requested by the user is within the basic payment amount range corresponding to the user, determining to provide payment service for the user.
Optionally, in the control method of the self-service terminal, the method for determining the per-person deposit amount of the bank branch corresponding to the user includes:
counting all deposit amounts and all client numbers of the bank outlets corresponding to the users;
and calculating the quotient of all deposit amounts of the banking outlets corresponding to the users and all the number of the clients to obtain the per-capita deposit amount of the banking outlets corresponding to the users.
Optionally, in the control method of the self-service terminal, the method for determining the basic payment amount range corresponding to the user includes:
multiplying the per-capita deposit amount of the bank outlets corresponding to the user by the average upper limit coefficient to obtain the upper limit amount of the basic payment amount range corresponding to the user;
and multiplying the per-capita deposit amount of the bank outlets corresponding to the user by the average lower limit coefficient to obtain the lower limit amount of the basic payment amount range corresponding to the user.
Optionally, in the control method of the self-service terminal, the method for determining the average upper limit coefficient includes:
obtaining an average upper limit coefficient according to the upper limit coefficients corresponding to all the banking outlets in the region to which the banking outlet corresponding to the user belongs;
the method for determining the average lower limit coefficient comprises the following steps:
and obtaining an average lower limit coefficient according to the lower limit coefficients corresponding to all the banking outlets in the region to which the banking outlet corresponding to the user belongs.
Optionally, in the control method of the self-service terminal, the obtaining an average upper limit coefficient according to the upper limit coefficients corresponding to all banking outlets in an area to which the banking outlet corresponding to the user belongs includes:
removing the maximum value and the minimum value of the upper limit coefficients corresponding to all the banking outlets in the region to which the banking outlet corresponding to the user belongs, and calculating the average value of the remaining upper limit coefficients to obtain the average upper limit coefficient;
wherein, the obtaining an average lower limit coefficient according to the lower limit coefficients corresponding to all the banking outlets in the region to which the banking outlet corresponding to the user belongs includes:
and removing the maximum value and the minimum value of the lower limit coefficients corresponding to all the banking outlets in the region to which the banking outlet corresponding to the user belongs, and calculating the average value of the remaining lower limit coefficients to obtain the average lower limit coefficient.
Optionally, in the control method of the self-service terminal, after determining whether the payment amount requested by the user is within a basic payment amount range corresponding to the user, the method further includes:
if the payment amount requested by the user is not in the basic payment amount range corresponding to the user, sending a prompt adjustment message to the user; and the prompting adjustment information is used for prompting a user to adjust the basic payment amount range corresponding to the user according to a preset adjustment rule.
Optionally, in the control method of the self-service terminal, after sending a prompt adjustment message to the user if the payment amount requested by the user is not within the basic payment amount range corresponding to the user, the method further includes:
and responding to an adjustment request of a user, and adjusting the basic payment amount range corresponding to the user according to the preset adjustment rule and the adjustment request of the user.
The second aspect of the present invention discloses a control device for a self-service terminal, comprising:
the receiving unit is used for receiving a user money sending request sent by the client; the user money sending request carries the money sending amount requested by the user and the geographical position information of the user;
the first determining unit is used for determining a basic payment amount range corresponding to the user according to the geographical position information of the user; the basic payment amount range corresponding to the user is obtained by calculating the per-capita deposit amount of a bank outlet corresponding to the user; the bank outlets corresponding to the users are determined according to the geographical position information of the users; the basic payment amount range is adjusted upwards along with the increase of the per-person deposit amount;
a judging unit, configured to judge whether the payment amount requested by the user is within a basic payment amount range corresponding to the user;
and the second determining unit is used for determining to provide the payment service for the user if the payment amount requested by the user is within the basic payment amount range corresponding to the user.
Optionally, in the control device of the self-service terminal, the control device further includes:
the statistical unit is used for counting all deposit amounts and all client numbers of bank outlets corresponding to the users;
and the first calculating unit is used for calculating the quotient of all deposit amounts of the banking outlets corresponding to the users and all the client amounts to obtain the per-capita deposit amount of the banking outlets corresponding to the users.
Optionally, in the control device of the self-service terminal, the control device further includes:
the second calculation unit is used for multiplying the per-capita deposit amount of the bank outlets corresponding to the user by the average upper limit coefficient to obtain the upper limit amount of the basic payment amount range corresponding to the user;
and the third calculation unit is used for multiplying the per-capita deposit amount of the bank outlets corresponding to the user by the average lower limit coefficient to obtain the lower limit amount of the basic payment amount range corresponding to the user.
Optionally, in the control device of the self-service terminal, the control device further includes:
the fourth calculation unit is used for obtaining an average upper limit coefficient according to the upper limit coefficients corresponding to all the banking outlets in the region to which the banking outlet corresponding to the user belongs;
and the fifth calculation unit is used for obtaining an average lower limit coefficient according to the lower limit coefficients corresponding to all the banking outlets in the region to which the banking outlet corresponding to the user belongs.
Optionally, in the control device of the self-service terminal, the fourth calculation unit includes:
the fourth calculating subunit is configured to remove the maximum value and the minimum value of the upper limit coefficients corresponding to all the banking outlets in the area to which the banking outlet corresponding to the user belongs, and calculate an average value of the remaining upper limit coefficients to obtain the average upper limit coefficient;
wherein the fifth calculation unit includes:
and the fifth calculating subunit is configured to remove the maximum value and the minimum value of the lower limit coefficients corresponding to all the banking outlets in the region to which the banking outlet corresponding to the user belongs, and calculate an average value of the remaining lower limit coefficients to obtain the average lower limit coefficient.
Optionally, in the control device of the self-service terminal, the control device further includes:
a sending unit, configured to send a prompt adjustment message to the user if the payment amount requested by the user is not within the basic payment amount range corresponding to the user; and the prompting adjustment information is used for prompting a user to adjust the basic payment amount range corresponding to the user according to a preset adjustment rule.
Optionally, in the control device of the self-service terminal, the control device further includes:
and the adjusting unit is used for responding to an adjusting request of a user and adjusting the basic payment amount range corresponding to the user according to the preset adjusting rule and the adjusting request of the user.
According to the technical scheme, the control method of the self-service terminal comprises the step of receiving a user money sending request sent by a client, wherein the user money sending request carries the money sending amount requested by the user and the geographical position information of the user. Determining a basic payment amount range corresponding to the user according to the geographical position information of the user, wherein the basic payment amount range corresponding to the user is obtained by calculating the per-capita deposit amount of a bank outlet corresponding to the user; the bank outlets corresponding to the users are determined according to the geographical position information of the users, and the basic payment sending amount range is adjusted upwards along with the increase of the average deposit amount of the users. Then judging whether the payment amount requested by the user is within the basic payment amount range corresponding to the user; and if the payment amount requested by the user is within the basic payment amount range corresponding to the user, determining to provide payment service for the user. In the embodiment of the application, the basic payment amount range corresponding to the user is obtained by calculating the per-capita deposit amount, and the bank outlets corresponding to the user are determined according to the geographical position information of the user. If the number of the per-capita deposits of the bank outlets for delivering money to the user is large, the basic delivering amount range corresponding to the user is also adjusted upwards, so that different delivering amount ranges can be set according to specific delivering conditions, and the requirements of the user can be better met.
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 schematic flow chart of a control method of a self-service terminal disclosed in an embodiment of the present invention;
FIG. 2 is a schematic flow chart illustrating a method for determining a per-capita deposit amount of a banking outlet corresponding to a user according to an embodiment of the present invention;
fig. 3 is a schematic flowchart of a method for determining a basic payment amount range corresponding to a user according to an embodiment of the present invention;
fig. 4 is a schematic structural diagram of a control device of a self-service terminal disclosed in the embodiment of the present invention.
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.
Referring to fig. 1, the embodiment of the application discloses a control method of a self-service terminal, which specifically includes the following steps:
s101, receiving a user money sending request sent by a client.
The money sending request of the user carries the money sending amount requested by the user and the geographical position information of the user. The user send money request is generated by triggering the client by the user, for example, the user creates a send money order in the client by triggering a display interface related to the send money service, and the order is filled with information such as a send money address of the user (namely, geographical location information of the user), a send money amount required by the user and the like. And the client generates a corresponding user money sending request according to the order information created by the user. Optionally, the user money sending request further carries information such as identification information of the user, money sending time required by the user, and the like. The user transfer request is used for requesting the transfer service required by the acceptance user. The geographical location information of the user carried in the user payment request is actually information of a payment address specified by the user, and the payment amount requested by the user refers to the payment amount applied by the user. The money delivery service refers to a service for delivering the amount of money requested by the user to a place designated by the user safely.
It should be noted that, specific forms of generating the send payment request are many, including but not limited to what is proposed in the embodiments of the present application.
And S102, determining a basic payment amount range corresponding to the user according to the geographical position information of the user.
The basic payment amount range corresponding to the user is obtained by calculating the per-capita deposit amount of the bank outlets corresponding to the user. And the bank outlets corresponding to the users are determined according to the geographical position information of the users. The basic sum of money sending is increased along with the increase of the average deposit amount.
The basic payment amount range refers to a range of payment amounts that can be provided to the user by a platform providing the payment service, and is determined by an upper limit amount of the basic payment amount range and a lower limit amount of the basic payment amount range. For example, if the basic payment amount range is 10000 to 30000 yuan, the payment amount that the user can apply for is required to be 10000 to 30000 yuan, wherein the upper limit amount of the basic payment amount range is 10000 yuan, and the lower limit amount of the basic payment amount range is 30000 yuan.
Specifically, in the process of executing step S102, the user money sending request in step S101 is first analyzed to obtain the geographic location information of the user and the money sending amount requested by the user, then the bank outlet corresponding to the user is determined according to the geographic location information of the user, and then the basic money sending amount range corresponding to the user is determined according to the bank outlet corresponding to the user.
It should be noted that the corresponding payment amount range of the user may be a preset basic payment amount range according to different geographic location information, and then the preset basic payment amount range is determined according to the geographic location information of the user analyzed in the payment request of the user. Or determining the bank outlets corresponding to the user according to the geographical position information of the user, and then calculating according to the per-capita deposit amount of the bank outlets corresponding to the user to obtain the basic payment amount range corresponding to the user. That is, when step S102 is executed, the basic sending amount range corresponding to the geographic location information of the user may be determined directly from the preset basic sending amount range, that is, the basic sending amount range corresponding to the user does not need to be calculated. Or, when step S102 is executed, the basic payment sending amount range corresponding to the user is obtained by calculating the per-capita deposit amount of the banking outlet corresponding to the user, that is, in the process of executing step S102, the basic payment sending range corresponding to the user is obtained by calculation.
Optionally, the bank outlet closest to the geographical location information of the user may be selected as the bank outlet corresponding to the user, or the bank outlet corresponding to the user may be selected according to the geographical location information of the user according to other rules. The bank outlets corresponding to the users provide corresponding money delivery services for the users. In the embodiment of the application, the basic payment amount range corresponding to the user is obtained by calculating the per-capita deposit amount of the bank branch corresponding to the user, and the bank branch corresponding to the user is determined according to the geographic position of the user. Therefore, the deposit amount of each bank branch corresponding to each user is different correspondingly according to the different geographic positions of the users. If the per-capita deposit amount of the bank corresponding to the user is higher, the bank is rich in the amount stock, and the economic condition of the user is better, so that the basic payment amount range corresponding to the user is set to be higher. Similarly, if the per-capita deposit amount of the bank corresponding to the user is low, the bank amount is less in stock, and the economic level of the user of the bank is low, so that the set range of the payment amount of the user can be low. For example, if the per-capitalized deposit amount of the bank branch corresponding to the user is 1 ten thousand yuan, the set user sending amount range may be 3000 to 5000 yuan, and if the per-capitalized deposit amount of the bank branch corresponding to the user is 10 ten thousand yuan, the user may be 30000 to 50000 yuan, that is, the basic sending amount range is adjusted up as the per-capitalized deposit amount increases.
Optionally, referring to fig. 2, in an embodiment of the present application, a method for determining a per-capita deposit amount of a banking outlet corresponding to a user includes:
s201, counting all deposit amounts and all client numbers of bank outlets corresponding to the users.
And the bank outlets corresponding to the users are determined according to the geographical position information of the users. And counting the current total deposit amount of the banking outlets corresponding to the user and the current total number of clients of the banking outlets corresponding to the user. Specifically, the total deposit amount and the total number of customers can be determined by reading a database of customer information in the banking system. Other means of statistics may also be used. The realization of the embodiment of the application is not influenced by the difference of the modes of counting all deposit amounts and all client numbers of the bank outlets corresponding to the users.
S202, calculating the quotient of all deposit amounts of the banking outlets corresponding to the users and all the clients to obtain the per-capita deposit amount of the banking outlets corresponding to the users.
And dividing the total deposit amount of the banking network corresponding to the user by the total number of the clients of the banking network corresponding to the user to obtain the per-capita deposit amount of the banking network corresponding to the user.
It should be noted that, as can be seen from the steps shown in fig. 2, the per-capita deposit amount of the banking outlets corresponding to the user is dynamically changed with time, all deposit amounts of the banking outlets at different time points may be different, the number of all customers of the banking outlets may also be different, and further, the calculated basic payment amount range of the banking outlets corresponding to the user may also be changed. Therefore, the total deposit amount and the total number of the clients of the current bank outlets can be used for determining the basic payment amount range of the user so as to calculate the basic payment amount range suitable for the current payment situation. And the basic payment amount range corresponding to the user can be updated in a staged manner for reducing the calculated amount, carrying out staged statistics on all deposit amounts and all client amounts of the bank outlets and carrying out staged updating.
It should be noted that there are many methods for determining the per-capita deposit amount of the bank outlets corresponding to the user, for example, the deposit amounts of all clients of the bank outlets corresponding to the user may be counted, the highest deposit amount and the lowest deposit amount are removed, and the per-capita deposit amount is obtained. The method for determining the per-capita deposit amount of the bank outlets corresponding to the users includes but is not limited to what is provided in the embodiment of the application.
Optionally, referring to fig. 3, in an embodiment of the present application, a method for determining a basic payment amount range corresponding to a user includes:
s301, multiplying the per-capita deposit amount of the bank outlets corresponding to the user by the average upper limit coefficient to obtain the upper limit amount of the basic payment amount range corresponding to the user.
Wherein, the average upper limit coefficient can be set artificially. The average upper limit coefficient may be determined based on upper limit coefficients of a plurality of banking outlets. Optionally, the upper limit coefficient may be obtained according to upper limit coefficients of a plurality of banking outlets in an area to which the banking outlet corresponding to the user belongs. The range of the user corresponding to the region of the bank outlet can be specified manually. For example, the city and county to which the bank outlets corresponding to the user belong may be used as the region to which the bank outlets corresponding to the user belong, or the jurisdiction to which the bank outlets corresponding to the user belong may be used as the region to which the bank outlets corresponding to the user belong. The upper limit coefficient of each banking outlet can be set according to the previous operation condition of the banking outlet, the cost and other factors.
It should be noted that the average upper limit coefficient is a value less than or equal to 1, and in consideration of cost factors, the upper limit amount of the basic payment amount range corresponding to the user does not exceed the per-capita deposit amount of the banking outlet corresponding to the user.
Optionally, a value obtained by multiplying the average credit amount of the bank outlets corresponding to the user by the average upper limit coefficient may be compared with a preset supervision value, if the value obtained by multiplying the average credit amount of the bank outlets corresponding to the user by the average upper limit coefficient is greater than the supervision value, the preset supervision value is used as an upper limit amount of the basic payment amount range corresponding to the user, and if the value obtained by multiplying the average credit amount of the bank outlets corresponding to the user by the average upper limit coefficient is less than or equal to the supervision value, the value obtained by multiplying the average credit amount of the bank outlets corresponding to the user by the average upper limit coefficient is used as an upper limit amount of the basic payment amount range corresponding to the user. Wherein the supervision value is a value set in consideration of supervision safety of the transportation process. In consideration of safety, the upper limit of the basic payment amount range corresponding to the user needs to be less than or equal to a preset supervision value.
Optionally, in a specific embodiment of the present application, an implementation manner of obtaining an average upper limit coefficient according to upper limit coefficients corresponding to all banking outlets in an area to which the banking outlet corresponding to the user belongs includes:
and removing the maximum value and the minimum value of the upper limit coefficients corresponding to all the banking outlets in the region to which the banking outlet corresponding to the user belongs, and calculating the average value of the remaining upper limit coefficients to obtain the average upper limit coefficient.
Specifically, the upper limit coefficients corresponding to all the banking outlets in the region to which the banking outlet corresponding to the user belongs are counted, and the maximum value and the minimum value of the upper limit coefficients corresponding to all the banking outlets are removed. And adding all the upper limit coefficients after the maximum value and the minimum value are removed, and then dividing the sum by the number of the upper limit coefficients to obtain an average upper limit coefficient.
The average upper limit coefficient is obtained by considering the upper limit coefficients of a plurality of banking outlets, so that the method is not unilateral, and the upper limit of the basic payment amount range corresponding to the user obtained by using the average upper limit coefficient is more reasonable and accurate.
S302, multiplying the per-capita deposit amount of the bank outlets corresponding to the user by the average lower limit coefficient to obtain the lower limit amount of the basic payment amount range corresponding to the user.
The average lower limit coefficient can be set artificially, and the average lower limit coefficient needs to be smaller than the average upper limit coefficient. The average lower limit coefficient may be determined according to lower limit coefficients of a plurality of banking outlets. Optionally, the lower limit coefficient may be obtained according to lower limit coefficients of a plurality of banking outlets in an area to which the banking outlet corresponding to the user belongs. The range of the user corresponding to the region of the bank outlet can be specified manually. For example, the city and county to which the bank outlets corresponding to the user belong may be used as the region to which the bank outlets corresponding to the user belong, or the jurisdiction to which the bank outlets corresponding to the user belong may be used as the region to which the bank outlets corresponding to the user belong. The lower limit coefficient of each bank branch can be set according to the previous operation condition of the bank branch, the cost and other factors.
It should be noted that the average lower limit coefficient is a value less than or equal to 1, and in consideration of cost factors, the lower limit amount of the basic payment amount range corresponding to the user does not exceed the per-capita deposit amount of the banking outlet corresponding to the user.
Optionally, in a specific embodiment of the present application, an implementation manner of obtaining an average lower limit coefficient according to lower limit coefficients corresponding to all banking outlets in an area to which the banking outlet corresponding to the user belongs includes:
and removing the maximum value and the minimum value of the lower limit coefficients corresponding to all the bank outlets in the region to which the bank outlet corresponding to the user belongs, and calculating the average value of the remaining lower limit coefficients to obtain the average lower limit coefficient.
Specifically, the lower limit coefficients corresponding to all the banking outlets in the region to which the banking outlet corresponding to the user belongs are counted, and the maximum value and the minimum value of the lower limit coefficients corresponding to all the banking outlets are removed. And adding all the lower limit coefficients after the maximum value and the minimum value are removed, and then dividing the sum by the number of the lower limit coefficients to obtain the average lower limit coefficient.
The average lower limit coefficient is obtained by considering the lower limit coefficients of a plurality of banking outlets, so that the lower limit of the basic payment amount range corresponding to the user obtained by using the average lower limit coefficient is not unilateral.
It should be further noted that the order of executing step S301 and step S302 does not affect the implementation of the embodiment of the present application.
In the prior art, the basic payment amount ranges corresponding to all users are the same, which results in that the payment service cannot meet the requirements of many users. For example, in an area with good economic condition, the amount of the payment requested by the user will be generally higher, in an area with low economic condition, the amount of the payment requested by the user will be generally lower, and the consistent basic payment amount range is uniformly adopted, and the geographical location factor of the user is not considered, so that for the user in the area with good economic condition, the amount of the payment requested by the user is higher and exceeds the upper limit of the basic payment amount range, and the payment request of the user cannot be met. And the users in the regions with poor economic conditions can not meet the money sending requirements of the users because the applied money sending amount is lower than the lower limit of the basic money sending amount range.
In the embodiment of the application, the bank outlets corresponding to the users are determined according to the geographical position information of the users, the current inventory condition and the local economic level of the bank outlets can be known according to the per-capita deposit amount of the bank outlets corresponding to the users, and then the basic payment amount range corresponding to the users is determined according to the per-capita deposit amount of the bank outlets corresponding to the users, so that the payment demand of the users is better met.
S103, judging whether the payment amount requested by the user is within the basic payment amount range corresponding to the user.
Specifically, it is determined whether the payment amount requested by the user is less than or equal to the upper limit of the basic payment amount range corresponding to the user and is greater than or equal to the lower limit of the basic payment amount range corresponding to the user, and if the payment amount requested by the user is less than or equal to the upper limit of the basic payment amount range corresponding to the user and is greater than or equal to the lower limit of the basic payment amount range corresponding to the user, it indicates that the payment amount requested by the user is within the basic payment amount range corresponding to the user, step S104 is executed, i.e., it is determined that the payment service is provided for the user.
If the payment amount requested by the user is larger than the upper limit of the basic payment amount range corresponding to the user or smaller than the lower limit of the basic payment amount range corresponding to the user, the payment amount requested by the user is out of the basic payment amount range corresponding to the user, and the payment service requested by the user is not provided. Optionally, a prompt message may be sent to the user to prompt the user that the requested payment amount is not within the basic payment amount range corresponding to the user, and the user is informed of the basic payment amount range corresponding to the user. After receiving the information, the user can adjust the amount of the self-requested payment according to the basic payment amount corresponding to the user, and send the user payment request again, namely, re-execute the step S101.
Optionally, in a specific embodiment of the present application, after the step S103 is executed, the method further includes:
and if the payment amount requested by the user is not in the range of the basic payment amount corresponding to the user, sending a prompt adjustment message to the user.
And the prompting adjustment information is used for prompting the user to adjust the basic payment amount range corresponding to the user according to a preset adjustment rule. The preset adjustment rule specifies how to adjust the upper limit value limit of the basic payment amount range corresponding to the user and how to adjust the lower limit value limit of the basic payment amount range corresponding to the user. For example, if the user pays for the I yuan, the upper limit amount of the basic payment amount range corresponding to the primary user can be increased, and if the user pays for the X yuan, the upper limit amount of the basic payment amount range corresponding to the user for one year can be adjusted. The lower limit amount of the basic payment amount range corresponding to the user is adjusted in a similar way. It should be noted that the preset adjustment rule may be various, including but not limited to what is proposed in the embodiments of the present application.
Optionally, in a specific embodiment of the present application, after the user wants to send the prompt adjustment information, the method further includes:
and responding to the adjustment request of the user, and adjusting the basic payment amount range corresponding to the user according to the preset adjustment rule and the adjustment request of the user.
The adjustment request of the user carries an adjustment requirement applied by the user according to the adjustment rule, and the adjustment requirement of the user can be to adjust an upper limit amount of a basic payment amount range corresponding to the user or to adjust a lower limit amount of the basic payment amount range. The adjustment request of the user may be generated in many ways, for example, the user may generate the adjustment request of the user by sending a short message, or generate the adjustment request of the user by creating an order for adjusting the limit range through the client. And after receiving the adjustment request of the user, the server responds to the adjustment request of the user, analyzes the adjustment request of the user, and judges whether the adjustment request of the user accords with the preset adjustment rule or not according to the preset adjustment rule. And if the adjustment request of the user accords with the preset adjustment rule, correspondingly adjusting the basic payment amount range corresponding to the user.
And S104, determining to provide the money delivery service for the user.
If the money sending amount requested by the user is judged to be within the range of the basic money sending amount corresponding to the user, the money sending request of the user can be accepted. After the server accepts the user money sending request, the user money sending request can be sent to the relevant staff, and the relevant staff executing the money sending service provides the money sending service for the user according to the user money sending request. Optionally, a reminder message may also be sent to the user to remind the user that the send money request has been accepted.
According to the control method of the self-service terminal, the money sending request of the user sent by the client is received, wherein the money sending request of the user carries the money sending amount of the user request and the geographical position information of the user. Determining a basic payment amount range corresponding to the user according to the geographical position information of the user, wherein the basic payment amount range corresponding to the user is obtained by calculating the per-capita deposit amount of a bank outlet corresponding to the user; the bank outlets corresponding to the users are determined according to the geographical position information of the users, and the basic payment sending amount range is adjusted upwards along with the increase of the average deposit amount of the users. Then judging whether the payment amount requested by the user is within the basic payment amount range corresponding to the user; and if the payment amount requested by the user is within the basic payment amount range corresponding to the user, determining to provide payment service for the user. In the embodiment of the application, the basic payment amount range corresponding to the user is obtained by calculating the per-capita deposit amount, and the bank outlets corresponding to the user are determined according to the geographical position information of the user. If the number of the per-capita deposits of the bank outlets for delivering money to the user is large, the basic delivering amount range corresponding to the user is also adjusted upwards, so that different delivering amount ranges can be set according to specific delivering conditions, and the requirements of the user can be better met.
Referring to fig. 4, based on the control method of the self-service terminal disclosed in the embodiment of the present application, the embodiment of the present application further discloses a control device 400 of the self-service terminal, which includes: a receiving unit 401, a first determining unit 402, a judging unit 403, and a second determining unit 404.
The receiving unit 401 is configured to receive a user money sending request sent by a client. The money sending request of the user carries the money sending amount requested by the user and the geographical position information of the user.
A first determining unit 402, configured to determine a basic payment amount range corresponding to the user according to the geographic location information of the user. The basic payment amount range corresponding to the user is obtained by calculating the per-capita deposit amount of the bank outlets corresponding to the user. The bank outlets corresponding to the users are determined according to the geographical position information of the users; the basic sum of money sending is increased along with the increase of the average deposit amount.
The determining unit 403 is configured to determine whether the payment amount requested by the user is within the basic payment amount range corresponding to the user.
A second determining unit 404, configured to determine to provide the payment service for the user if the payment amount requested by the user is within the basic payment amount range corresponding to the user.
Optionally, in an embodiment of the present application, the control device 400 of the self-service terminal further includes: a statistical unit and a first calculation unit.
And the counting unit is used for counting all deposit amounts and all client numbers of the bank outlets corresponding to the users.
And the first calculating unit is used for calculating the quotient of all deposit amounts of the banking outlets corresponding to the users and all the clients to obtain the per-capita deposit amount of the banking outlets corresponding to the users.
Optionally, in an embodiment of the present application, the control device 400 of the self-service terminal further includes: a fourth calculation unit and a fifth calculation unit.
And the fourth calculating unit is used for obtaining the average upper limit coefficient according to the upper limit coefficients corresponding to all the banking outlets in the region to which the banking outlet corresponding to the user belongs.
Optionally, in a specific embodiment of the present application, the fourth calculating unit includes:
and the fourth calculating subunit is used for removing the maximum value and the minimum value in the upper limit coefficients corresponding to all the banking outlets in the region to which the banking outlet corresponding to the user belongs, and calculating the average value of the remaining upper limit coefficients to obtain the average upper limit coefficient.
And the fifth calculating unit is used for obtaining the average lower limit coefficient according to the lower limit coefficients corresponding to all the banking outlets in the region to which the banking outlet corresponding to the user belongs.
Optionally, in a specific embodiment of the present application, the fifth calculating unit includes:
and the fifth calculating subunit is used for removing the maximum value and the minimum value in the lower limit coefficients corresponding to all the banking outlets in the region to which the banking outlet corresponding to the user belongs, and calculating the average value of the remaining lower limit coefficients to obtain the average lower limit coefficient.
Optionally, in an embodiment of the present application, the control device 400 of the self-service terminal further includes:
and the sending unit is used for sending prompt adjustment information to the user if the payment amount requested by the user is not in the basic payment amount range corresponding to the user. And the prompting adjustment information is used for prompting the user to adjust the basic payment amount range corresponding to the user according to a preset adjustment rule.
Optionally, in an embodiment of the present application, the control device 400 of the self-service terminal further includes:
and the adjusting unit is used for responding to the adjusting request of the user and adjusting the basic payment amount range corresponding to the user according to the preset adjusting rule and the adjusting request of the user.
The specific principle and the implementation process of each unit and subunit in the control device 400 of the self-service terminal disclosed in the embodiment of the present application are the same as the control method of the self-service terminal disclosed in the embodiment of the present application, and reference may be made to corresponding parts in the control method of the self-service terminal disclosed in the embodiment of the present application, which are not described herein again.
In the control device 400 of the self-service terminal provided by the application, a user money sending request sent by a client is received through a receiving unit 401, wherein the user money sending request carries a money sending amount requested by the user and geographical location information of the user. The first determining unit 402 determines a basic payment amount range corresponding to the user according to the geographical location information of the user, wherein the basic payment amount range corresponding to the user is obtained by calculating the per-capita deposit amount of a banking website corresponding to the user; the bank outlets corresponding to the users are determined according to the geographical position information of the users, and the basic payment sending amount range is adjusted upwards along with the increase of the average deposit amount of the users. Then the judging unit 403 judges whether the amount of money requested by the user is within the range of the basic amount of money requested by the user; if the payment amount requested by the user is within the basic payment amount range corresponding to the user, the second determining unit 404 determines to provide the payment service for the user. In the embodiment of the application, the basic payment amount range corresponding to the user is obtained by calculating the per-capita deposit amount, and the bank outlets corresponding to the user are determined according to the geographical position information of the user. If the number of the per-capita deposits of the bank outlets for delivering money to the user is large, the basic delivering amount range corresponding to the user is also adjusted upwards, so that different delivering amount ranges can be set according to specific delivering conditions, and the requirements of the user can be better met.
As will be appreciated by one skilled in the art, embodiments of the present application may be provided as a method, system, or computer program product. Accordingly, the present application may take the form of an entirely hardware embodiment, an entirely software embodiment or an embodiment combining software and hardware aspects. Furthermore, the present application may take the form of a computer program product embodied on one or more computer-usable storage media (including, but not limited to, disk storage, CD-ROM, optical storage, and the like) having computer-usable program code embodied therein.
The present application is described with reference to flowchart illustrations and/or block diagrams of methods, apparatus (systems), and computer program products according to embodiments of the application. It will be understood that each flow and/or block of the flow diagrams and/or block diagrams, and combinations of flows and/or blocks in the flow diagrams and/or block diagrams, can be implemented by computer program instructions. These computer program instructions may be provided to a processor of a general purpose computer, special purpose computer, embedded processor, or other programmable data processing apparatus to produce a machine, such that the instructions, which execute via the processor of the computer or other programmable data processing apparatus, create means for implementing the functions specified in the flowchart flow or flows and/or block diagram block or blocks.
These computer program instructions may also be stored in a computer-readable memory that can direct a computer or other programmable data processing apparatus to function in a particular manner, such that the instructions stored in the computer-readable memory produce an article of manufacture including instruction means which implement the function specified in the flowchart flow or flows and/or block diagram block or blocks.
These computer program instructions may also be loaded onto a computer or other programmable data processing apparatus to cause a series of operational steps to be performed on the computer or other programmable apparatus to produce a computer implemented process such that the instructions which execute on the computer or other programmable apparatus provide steps for implementing the functions specified in the flowchart flow or flows and/or block diagram block or blocks.
In a typical configuration, a computing device includes one or more processors (CPUs), input/output interfaces, network interfaces, and memory.
The memory may include forms of volatile memory in a computer readable medium, Random Access Memory (RAM) and/or non-volatile memory, such as Read Only Memory (ROM) or flash memory (flash RAM). The memory is an example of a computer-readable medium.
Computer-readable media, including both non-transitory and non-transitory, removable and non-removable media, may implement information storage by any method or technology. The information may be computer readable instructions, data structures, modules of a program, or other data. Examples of computer storage media include, but are not limited to, phase change memory (PRAM), Static Random Access Memory (SRAM), Dynamic Random Access Memory (DRAM), other types of Random Access Memory (RAM), Read Only Memory (ROM), Electrically Erasable Programmable Read Only Memory (EEPROM), flash memory or other memory technology, compact disc read only memory (CD-ROM), Digital Versatile Discs (DVD) or other optical storage, magnetic cassettes, magnetic tape magnetic disk storage or other magnetic storage devices, or any other non-transmission medium that can be used to store information that can be accessed by a computing device. As defined herein, computer readable media does not include transitory computer readable media (transmyedia) such as modulated data signals and carrier waves.
It should also be noted that the terms "comprises," "comprising," or any other variation thereof, are intended to cover a non-exclusive inclusion, such that a process, method, article, or apparatus that comprises a list of elements does not include only those elements but may include other elements not expressly listed or inherent to such process, method, article, or apparatus. Without further limitation, an element defined by the phrase "comprising an … …" does not exclude the presence of other identical elements in the process, method, article, or apparatus that comprises the element.
As will be appreciated by one skilled in the art, embodiments of the present application may be provided as a method, system, or computer program product. Accordingly, the present application may take the form of an entirely hardware embodiment, an entirely software embodiment or an embodiment combining software and hardware aspects. Furthermore, the present application may take the form of a computer program product embodied on one or more computer-usable storage media (including, but not limited to, disk storage, CD-ROM, optical storage, and the like) having computer-usable program code embodied therein.
The above are merely examples of the present application and are not intended to limit the present application. Various modifications and changes may occur to those skilled in the art. Any modification, equivalent replacement, improvement, etc. made within the spirit and principle of the present application should be included in the scope of the claims of the present application.
Claims (10)
1. A control method of a self-service terminal is characterized by comprising the following steps:
receiving a user money sending request sent by a client; the user money sending request carries the money sending amount requested by the user and the geographical position information of the user;
determining a basic payment amount range corresponding to the user according to the geographical position information of the user; the basic payment amount range corresponding to the user is obtained by calculating the per-capita deposit amount of a bank outlet corresponding to the user; the bank outlets corresponding to the users are determined according to the geographical position information of the users; the basic payment amount range is adjusted upwards along with the increase of the per-person deposit amount;
judging whether the payment amount requested by the user is within the basic payment amount range corresponding to the user;
and if the payment amount requested by the user is within the basic payment amount range corresponding to the user, determining to provide payment service for the user.
2. The method as claimed in claim 1, wherein the method for determining the per-person deposit amount of the banking outlet corresponding to the user comprises:
counting all deposit amounts and all client numbers of the bank outlets corresponding to the users;
and calculating the quotient of all deposit amounts of the banking outlets corresponding to the users and all the number of the clients to obtain the per-capita deposit amount of the banking outlets corresponding to the users.
3. The method according to claim 1, wherein the method for determining the corresponding basic payment amount range of the user comprises:
multiplying the per-capita deposit amount of the bank outlets corresponding to the user by the average upper limit coefficient to obtain the upper limit amount of the basic payment amount range corresponding to the user;
and multiplying the per-capita deposit amount of the bank outlets corresponding to the user by the average lower limit coefficient to obtain the lower limit amount of the basic payment amount range corresponding to the user.
4. The method of claim 3, wherein the determining the average ceiling factor comprises:
obtaining an average upper limit coefficient according to the upper limit coefficients corresponding to all the banking outlets in the region to which the banking outlet corresponding to the user belongs;
the method for determining the average lower limit coefficient comprises the following steps:
and obtaining an average lower limit coefficient according to the lower limit coefficients corresponding to all the banking outlets in the region to which the banking outlet corresponding to the user belongs.
5. The method as claimed in claim 4, wherein obtaining an average upper limit coefficient according to the upper limit coefficients corresponding to all banking outlets in the region to which the banking outlet corresponding to the user belongs comprises:
removing the maximum value and the minimum value of the upper limit coefficients corresponding to all the banking outlets in the region to which the banking outlet corresponding to the user belongs, and calculating the average value of the remaining upper limit coefficients to obtain the average upper limit coefficient;
wherein, the obtaining an average lower limit coefficient according to the lower limit coefficients corresponding to all the banking outlets in the region to which the banking outlet corresponding to the user belongs includes:
and removing the maximum value and the minimum value of the lower limit coefficients corresponding to all the banking outlets in the region to which the banking outlet corresponding to the user belongs, and calculating the average value of the remaining lower limit coefficients to obtain the average lower limit coefficient.
6. The method according to claim 1, wherein after determining whether the payment amount requested by the user is within the basic payment amount range corresponding to the user, the method further comprises:
if the payment amount requested by the user is not in the basic payment amount range corresponding to the user, sending a prompt adjustment message to the user; and the prompting adjustment information is used for prompting a user to adjust the basic payment amount range corresponding to the user according to a preset adjustment rule.
7. The method according to claim 6, wherein if the payment amount requested by the user is not within the basic payment amount range corresponding to the user, after sending the prompt adjustment information to the user, further comprising:
and responding to an adjustment request of a user, and adjusting the basic payment amount range corresponding to the user according to the preset adjustment rule and the adjustment request of the user.
8. A control device of a self-service terminal, comprising:
the receiving unit is used for receiving a user money sending request sent by the client; the user money sending request carries the money sending amount requested by the user and the geographical position information of the user;
the first determining unit is used for determining a basic payment amount range corresponding to the user according to the geographical position information of the user; the basic payment amount range corresponding to the user is obtained by calculating the per-capita deposit amount of a bank outlet corresponding to the user; the bank outlets corresponding to the users are determined according to the geographical position information of the users; the basic payment amount range is adjusted upwards along with the increase of the per-person deposit amount;
a judging unit, configured to judge whether the payment amount requested by the user is within a basic payment amount range corresponding to the user;
and the second determining unit is used for determining to provide the payment service for the user if the payment amount requested by the user is within the basic payment amount range corresponding to the user.
9. The apparatus of claim 8, further comprising:
the statistical unit is used for counting all deposit amounts and all client numbers of bank outlets corresponding to the users;
and the first calculating unit is used for calculating the quotient of all deposit amounts of the banking outlets corresponding to the users and all the client amounts to obtain the per-capita deposit amount of the banking outlets corresponding to the users.
10. The apparatus of claim 8, further comprising:
the second calculation unit is used for multiplying the per-capita deposit amount of the bank outlets corresponding to the user by the average upper limit coefficient to obtain the upper limit amount of the basic payment amount range corresponding to the user;
and the third calculation unit is used for multiplying the per-capita deposit amount of the bank outlets corresponding to the user by the average lower limit coefficient to obtain the lower limit amount of the basic payment amount range corresponding to the user.
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| CN201911182902.0A CN110930243A (en) | 2019-11-27 | 2019-11-27 | Control method and device of self-service terminal |
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| CN111754323A (en) * | 2020-06-23 | 2020-10-09 | 中国银行股份有限公司 | Foreign currency service processing method and device |
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| Publication number | Priority date | Publication date | Assignee | Title |
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| CN111754323A (en) * | 2020-06-23 | 2020-10-09 | 中国银行股份有限公司 | Foreign currency service processing method and device |
| CN111754323B (en) * | 2020-06-23 | 2023-08-18 | 中国银行股份有限公司 | Foreign currency business processing method and device |
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