CN112001703A - Front-end data self-service processing method and system for bank transaction - Google Patents
Front-end data self-service processing method and system for bank transaction Download PDFInfo
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Abstract
The invention discloses a front-end data self-service processing method and a system for bank transaction, wherein the method comprises the following steps: acquiring a bank transaction certificate submitted by a client, scanning the bank transaction certificate, and generating a bank transaction certificate image corresponding to the bank transaction certificate; performing initial examination on the bank transaction business based on the bank transaction business voucher image; after the bank transaction business is qualified in initial examination, identifying the bank transaction business voucher image, generating transaction information, and displaying the transaction information to a client for confirmation; after the customer confirms the transaction information, verifying the transaction information; and submitting the transaction information verified to be correct to a centralized processing center, and generating the two-dimension code so that the customer can inquire the transaction progress and result through the two-dimension code and supplement materials through the two-dimension code when the materials are missing. The invention can avoid the information leakage of customers and reduce the labor cost.
Description
Technical Field
The invention relates to the technical field of data processing, in particular to a front-end data self-service processing method and system for bank transactions.
Background
In order to realize the strategic goals of 'modeling ordered and efficient business processes' and creating intelligent banks, the current commercial banks deal with rapidly-developing financial industry changes and increasingly-fierce competition situation of the same industry, and adopt a centralized operation mode in a dispute, so that the network business is stripped to be centrally processed in a background. At present, most of the centralized operation systems of commercial banks adopt the website teller acceptance service, the scanning certificates upload images, the image slices manually input transaction information, the transactions are submitted to centralized operation different post tellers for alternate processing and are finally submitted to a background system for processing, the whole process needs intervention of a front-end teller and outsourcing input personnel before submitting the centralized operation center different post tellers for processing, the risk of client information leakage exists, and the labor cost is high.
Therefore, how to avoid the leakage of customer information and reduce the labor cost in the front-end data processing process of bank transaction is a problem to be solved urgently.
Disclosure of Invention
In view of the above, the invention provides a front-end data self-service processing method for bank transactions, which can enable a customer to complete all operations before submitting to a centralized operation center by self, reduce the human input of a website teller and outsourcing personnel, avoid the contact of the outsourcing personnel with customer information, effectively avoid information leakage, reduce personnel cost, protect customer privacy, improve business success rate, and improve external customer service experience and satisfaction.
The invention provides a front-end data self-service processing method for bank transaction, which comprises the following steps:
acquiring a bank transaction certificate submitted by a client, scanning the bank transaction certificate, and generating a bank transaction certificate image corresponding to the bank transaction certificate;
performing initial examination on the bank transaction business based on the bank transaction business voucher image;
after the bank transaction business is qualified in initial examination, identifying the bank transaction business voucher image to generate transaction information, and displaying the transaction information to a client for confirmation;
after the customer confirms the transaction information, verifying the transaction information;
and submitting the transaction information which is verified to be correct to a centralized processing center, and generating a two-dimension code so that a customer can inquire transaction progress and results through the two-dimension code and supplement materials through the two-dimension code when materials are missing.
Preferably, the performing an initial review on the banking transaction service based on the banking transaction service voucher image includes:
and performing initial examination on the bank transaction business according to the historical transaction information and the business rule based on the bank transaction business voucher image.
Preferably, the identifying the image of the bank transaction certificate to generate transaction information includes:
and identifying the image of the bank transaction certificate into characters, and generating transaction information based on the characters obtained by identification.
Preferably, the identifying the image of the bank transaction certificate as a text includes:
and identifying the image of the bank transaction certificate into characters by an optical character identification technology.
Preferably, the identifying the image of the bank transaction certificate as a text includes:
and identifying the image of the bank transaction certificate into characters through a natural voice processing technology.
A front end data self-service processing system for banking transactions, comprising:
the scanning module is used for acquiring a bank transaction business certificate submitted by a client, scanning the bank transaction business certificate and generating a bank transaction business certificate image corresponding to the bank transaction business certificate;
the initial examination module is used for carrying out initial examination on the bank transaction business based on the bank transaction business certificate image;
the identification module is used for identifying the bank transaction voucher image after the bank transaction business is qualified in initial approval, generating transaction information and displaying the transaction information to a client for confirmation;
the verification module is used for verifying the transaction information after the customer confirms the transaction information;
and the tracking module is used for submitting the transaction information which is verified to be correct to a centralized processing center, generating a two-dimensional code, so that a customer can inquire transaction progress and results through the two-dimensional code, and supplementing materials through the two-dimensional code when materials are missing.
Preferably, the initial review module is specifically configured to:
and performing initial examination on the bank transaction business according to the historical transaction information and the business rule based on the bank transaction business voucher image.
Preferably, the identification module is specifically configured to:
and identifying the image of the bank transaction certificate into characters, and generating transaction information based on the characters obtained by identification.
Preferably, the identification module is specifically configured to:
and identifying the image of the bank transaction certificate into characters by an optical character identification technology.
Preferably, the identification module is specifically configured to:
and identifying the image of the bank transaction certificate into characters through a natural voice processing technology.
In summary, the invention discloses a front-end data self-service processing method for bank transaction, when the front-end data of bank transaction needs to be processed, firstly, a bank transaction business certificate submitted by a client is obtained, the bank transaction business certificate is scanned, a bank transaction business certificate image corresponding to the bank transaction business certificate is generated, then, the bank transaction business is subjected to preliminary examination based on the bank transaction business certificate image, after the bank transaction business preliminary examination is qualified, the bank transaction business certificate image is identified, transaction information is generated, and the transaction information is displayed to the client for confirmation; after the customer confirms the transaction information, verifying the transaction information; and submitting the transaction information verified to be correct to a centralized processing center, and generating the two-dimension code so that the customer can inquire the transaction progress and result through the two-dimension code and supplement materials through the two-dimension code when the materials are missing. The invention can enable the customer to finish all the operations before submitting to the centralized operation center by self, reduces the manpower input of the network teller and the outsourcing personnel, and the outsourcing personnel can not contact the customer information, thereby effectively avoiding information leakage, reducing the personnel cost, protecting the privacy of the customer, improving the success rate of the business and improving the service experience and satisfaction degree of the external customer.
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 some embodiments of the present invention, and for those skilled in the art, other drawings can be obtained according to the drawings without creative efforts.
Fig. 1 is a flowchart of a method of embodiment 1 of a front-end data self-service processing method for bank transactions according to the present invention;
fig. 2 is a flowchart of a method of embodiment 2 of a front-end data self-service processing method for bank transactions according to the present invention;
FIG. 3 is a flow chart of a front-end data self-service processing method for bank transaction according to the present invention;
fig. 4 is a schematic structural diagram of a front-end data self-service processing system 1 for bank transactions according to an embodiment of the present invention;
fig. 5 is a schematic structural diagram of a front-end data self-service processing system 2 for bank transactions according to an embodiment of the present invention;
fig. 6 is a schematic structural diagram of a front-end data self-service processing system embodiment 3 for bank transactions according to 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.
As shown in fig. 1, which is a flowchart of a method of embodiment 1 of a front-end data self-service processing method for banking transactions disclosed in the present invention, the method may include the following steps:
s101, acquiring a bank transaction certificate submitted by a customer, scanning the bank transaction certificate, and generating a bank transaction certificate image corresponding to the bank transaction certificate;
when the customer goes to a bank outlet to transact business, the customer submits the bank transaction business certificate by self. After the customer submits the bank transaction voucher, the bank transaction voucher submitted by the customer is obtained, the obtained bank transaction voucher is scanned, and a bank transaction voucher image corresponding to the bank transaction voucher is generated.
S102, performing initial examination on the bank transaction business based on the bank transaction business voucher image;
after generating the image of the bank transaction voucher corresponding to the bank transaction voucher, further performing initial examination on the bank transaction service based on the image of the bank transaction voucher, and judging whether the bank transaction voucher submitted by the client is complete or not and whether the materials are complete or not.
S103, after the bank transaction business is qualified in initial approval, identifying the bank transaction business voucher image, generating transaction information, and displaying the transaction information to a client for confirmation;
and when the bank transaction voucher submitted by the client is qualified in initial examination, further identifying the image of the bank transaction voucher to generate transaction information, and then displaying the generated transaction information to the client so that the client can confirm the transaction information.
S104, after the customer confirms the transaction information, verifying the transaction information;
after the customer confirms the transaction information, the transaction information is further verified in three aspects of completeness, accuracy and authenticity.
And S105, submitting the transaction information which is verified to be correct to a centralized processing center, generating a two-dimensional code, so that a customer inquires transaction progress and results through the two-dimensional code, and supplementing materials through the two-dimensional code when the materials are missing.
When the transaction information is verified to be correct, the transaction information verified to be correct is submitted to a centralized processing center, so that different post tellers can conduct centralized processing on the transaction information, meanwhile, a two-dimensional code is generated and provided for a client, the processing progress and results of the different post tellers of the centralized operation center can be uploaded to a background corresponding to the two-dimensional code, the client can inquire the transaction progress and results in real time through the two-dimensional code, when materials need to be supplemented in the service processing process, the client can also clearly lack the materials through scanning the two-dimensional code and supplement and submit, and the centralized operation center tellers complete the transaction after receiving the materials supplemented by the client.
To sum up, in the above embodiment, when the front-end data of the banking transaction needs to be processed, first obtaining a banking transaction certificate submitted by a client, scanning the banking transaction certificate, generating a banking transaction certificate image corresponding to the banking transaction certificate, then performing a preliminary audit on the banking transaction based on the banking transaction certificate image, after the preliminary audit on the banking transaction is qualified, identifying the banking transaction certificate image, generating transaction information, and displaying the transaction information to the client for confirmation; after the customer confirms the transaction information, verifying the transaction information; and submitting the transaction information verified to be correct to a centralized processing center, and generating the two-dimension code so that the customer can inquire the transaction progress and result through the two-dimension code and supplement materials through the two-dimension code when the materials are missing. The invention can enable the customer to finish all the operations before submitting to the centralized operation center by self, reduces the manpower input of the network teller and the outsourcing personnel, and the outsourcing personnel can not contact the customer information, thereby effectively avoiding information leakage, reducing the personnel cost, protecting the privacy of the customer, improving the success rate of the business and improving the service experience and satisfaction degree of the external customer.
As shown in fig. 2, which is a flowchart of a method of embodiment 2 of a front-end data self-service processing method for banking transactions disclosed in the present invention, the method may include the following steps:
s201, acquiring a bank transaction certificate submitted by a customer, scanning the bank transaction certificate, and generating a bank transaction certificate image corresponding to the bank transaction certificate;
when the customer goes to a bank outlet to transact business, the customer submits the bank transaction business certificate by self. After the customer submits the bank transaction voucher, the bank transaction voucher submitted by the customer is obtained, the obtained bank transaction voucher is scanned, and a bank transaction voucher image corresponding to the bank transaction voucher is generated.
S202, performing initial examination on the bank transaction business based on the bank transaction business voucher image according to historical transaction information and business rules;
after generating the image of the bank transaction voucher corresponding to the bank transaction voucher, further performing initial examination on the bank transaction service based on the image of the bank transaction voucher, and judging whether the bank transaction voucher submitted by the client is complete or not and whether the materials are complete or not.
Specifically, when the bank transaction business is initially checked, whether the bank transaction business voucher is complete or not and whether the materials are complete or not can be judged according to the historical transaction information and the business rules.
S203, after the bank transaction business is qualified in initial examination, identifying the bank transaction business voucher image, generating transaction information, and displaying the transaction information to a client for confirmation;
and when the bank transaction voucher submitted by the client is qualified in initial examination, further identifying the image of the bank transaction voucher to generate transaction information, and then displaying the generated transaction information to the client so that the client can confirm the transaction information.
S204, after the customer confirms the transaction information, verifying the transaction information;
after the customer confirms the transaction information, the transaction information is further verified in three aspects of completeness, accuracy and authenticity.
S205, submitting the transaction information which is verified to be correct to a centralized processing center, generating a two-dimensional code, so that a customer can inquire transaction progress and results through the two-dimensional code, and supplementing materials through the two-dimensional code when the materials are missing.
When the transaction information is verified to be correct, the transaction information verified to be correct is submitted to a centralized processing center, so that different post tellers can conduct centralized processing on the transaction information, meanwhile, a two-dimensional code is generated and provided for a client, the processing progress and results of the different post tellers of the centralized operation center can be uploaded to a background corresponding to the two-dimensional code, the client can inquire the transaction progress and results in real time through the two-dimensional code, when materials need to be supplemented in the service processing process, the client can also clearly lack the materials through scanning the two-dimensional code and supplement and submit, and the centralized operation center tellers complete the transaction after receiving the materials supplemented by the client.
In summary, based on the above embodiments, when the banking transaction service is initially checked based on the banking transaction voucher image, the banking transaction service can be initially checked specifically according to the historical transaction information and the business rules.
As shown in fig. 3, which is a flowchart of a method of embodiment 3 of a front-end data self-service processing method for banking transactions disclosed in the present invention, the method may include the following steps:
s301, acquiring a bank transaction certificate submitted by a customer, scanning the bank transaction certificate, and generating a bank transaction certificate image corresponding to the bank transaction certificate;
when the customer goes to a bank outlet to transact business, the customer submits the bank transaction business certificate by self. After the customer submits the bank transaction voucher, the bank transaction voucher submitted by the customer is obtained, the obtained bank transaction voucher is scanned, and a bank transaction voucher image corresponding to the bank transaction voucher is generated.
S302, performing initial examination on the bank transaction business based on the bank transaction business voucher image according to historical transaction information and business rules;
after generating the image of the bank transaction voucher corresponding to the bank transaction voucher, further performing initial examination on the bank transaction service based on the image of the bank transaction voucher, and judging whether the bank transaction voucher submitted by the client is complete or not and whether the materials are complete or not.
Specifically, when the bank transaction business is initially checked, whether the bank transaction business voucher is complete or not and whether the materials are complete or not can be judged according to the historical transaction information and the business rules.
S303, after the bank transaction business is qualified in initial approval, identifying the bank transaction business voucher image into characters, generating transaction information based on the characters obtained by identification, and displaying the transaction information to a client for confirmation;
and when the bank transaction voucher submitted by the client is qualified in initial examination, further identifying the image of the bank transaction voucher to generate transaction information, and then displaying the generated transaction information to the client so that the client can confirm the transaction information.
Specifically, when the transaction information is generated, the image of the bank transaction voucher may be recognized as characters, and then the transaction information may be generated based on the recognized characters.
Specifically, when the image of the bank transaction certificate is recognized as a Character, the image of the bank transaction certificate may be recognized as a Character through an OCR (Optical Character Recognition) technique.
Specifically, when the image of the bank transaction certificate is recognized as a character, the image of the bank transaction certificate may be recognized as a character by a Natural Language Processing (NLP) technique.
S304, after the customer confirms the transaction information, verifying the transaction information;
after the customer confirms the transaction information, the transaction information is further verified in three aspects of completeness, accuracy and authenticity.
And S305, submitting the transaction information which is verified to be correct to a centralized processing center, and generating a two-dimensional code so that a customer can inquire transaction progress and results through the two-dimensional code and supplement materials through the two-dimensional code when the materials are missing.
When the transaction information is verified to be correct, the transaction information verified to be correct is submitted to a centralized processing center, so that different post tellers can conduct centralized processing on the transaction information, meanwhile, a two-dimensional code is generated and provided for a client, the processing progress and results of the different post tellers of the centralized operation center can be uploaded to a background corresponding to the two-dimensional code, the client can inquire the transaction progress and results in real time through the two-dimensional code, when materials need to be supplemented in the service processing process, the client can also clearly lack the materials through scanning the two-dimensional code and supplement and submit, and the centralized operation center tellers complete the transaction after receiving the materials supplemented by the client.
In summary, in this embodiment, on the basis of the above embodiment, when the image of the bank transaction certificate is identified to generate the transaction information, the image of the bank transaction certificate may be specifically identified as characters, and the transaction information may be generated based on the characters obtained by identification.
As shown in fig. 4, which is a schematic structural diagram of an embodiment 1 of a front-end data self-service processing system for banking transactions disclosed in the present invention, the system may include:
the scanning module 401 is configured to obtain a banking transaction certificate submitted by a client, scan the banking transaction certificate, and generate a banking transaction certificate image corresponding to the banking transaction certificate;
when the customer goes to a bank outlet to transact business, the customer submits the bank transaction business certificate by self. After the customer submits the bank transaction voucher, the bank transaction voucher submitted by the customer is obtained, the obtained bank transaction voucher is scanned, and a bank transaction voucher image corresponding to the bank transaction voucher is generated.
A preliminary examination module 402, configured to perform a preliminary examination on the banking transaction service based on the banking transaction service certificate image;
after generating the image of the bank transaction voucher corresponding to the bank transaction voucher, further performing initial examination on the bank transaction service based on the image of the bank transaction voucher, and judging whether the bank transaction voucher submitted by the client is complete or not and whether the materials are complete or not.
The identification module 403 is configured to identify a bank transaction voucher image after the bank transaction is qualified for initial approval, generate transaction information, and display the transaction information to a client for confirmation;
and when the bank transaction voucher submitted by the client is qualified in initial examination, further identifying the image of the bank transaction voucher to generate transaction information, and then displaying the generated transaction information to the client so that the client can confirm the transaction information.
A verification module 404, configured to verify the transaction information after the customer confirms the transaction information;
after the customer confirms the transaction information, the transaction information is further verified in three aspects of completeness, accuracy and authenticity.
And the tracking module 405 is used for submitting the transaction information which is verified to be correct to the centralized processing center and generating the two-dimensional code, so that the customer inquires the transaction progress and result through the two-dimensional code and supplements materials through the two-dimensional code when the materials are missing.
When the transaction information is verified to be correct, the transaction information verified to be correct is submitted to a centralized processing center, so that different post tellers can conduct centralized processing on the transaction information, meanwhile, a two-dimensional code is generated and provided for a client, the processing progress and results of the different post tellers of the centralized operation center can be uploaded to a background corresponding to the two-dimensional code, the client can inquire the transaction progress and results in real time through the two-dimensional code, when materials need to be supplemented in the service processing process, the client can also clearly lack the materials through scanning the two-dimensional code and supplement and submit, and the centralized operation center tellers complete the transaction after receiving the materials supplemented by the client.
To sum up, in the above embodiment, when the front-end data of the banking transaction needs to be processed, first obtaining a banking transaction certificate submitted by a client, scanning the banking transaction certificate, generating a banking transaction certificate image corresponding to the banking transaction certificate, then performing a preliminary audit on the banking transaction based on the banking transaction certificate image, after the preliminary audit on the banking transaction is qualified, identifying the banking transaction certificate image, generating transaction information, and displaying the transaction information to the client for confirmation; after the customer confirms the transaction information, verifying the transaction information; and submitting the transaction information verified to be correct to a centralized processing center, and generating the two-dimension code so that the customer can inquire the transaction progress and result through the two-dimension code and supplement materials through the two-dimension code when the materials are missing. The invention can enable the customer to finish all the operations before submitting to the centralized operation center by self, reduces the manpower input of the network teller and the outsourcing personnel, and the outsourcing personnel can not contact the customer information, thereby effectively avoiding information leakage, reducing the personnel cost, protecting the privacy of the customer, improving the success rate of the business and improving the service experience and satisfaction degree of the external customer.
As shown in fig. 5, which is a schematic structural diagram of an embodiment 2 of a front-end data self-service processing system for banking transactions disclosed in the present invention, the system may include:
the scanning module 501 is configured to obtain a banking transaction certificate submitted by a customer, scan the banking transaction certificate, and generate a banking transaction certificate image corresponding to the banking transaction certificate;
when the customer goes to a bank outlet to transact business, the customer submits the bank transaction business certificate by self. After the customer submits the bank transaction voucher, the bank transaction voucher submitted by the customer is obtained, the obtained bank transaction voucher is scanned, and a bank transaction voucher image corresponding to the bank transaction voucher is generated.
A primary review module 502, configured to perform primary review on the banking transaction service according to the historical transaction information and the service rule based on the banking transaction service certificate image;
after generating the image of the bank transaction voucher corresponding to the bank transaction voucher, further performing initial examination on the bank transaction service based on the image of the bank transaction voucher, and judging whether the bank transaction voucher submitted by the client is complete or not and whether the materials are complete or not.
Specifically, when the bank transaction business is initially checked, whether the bank transaction business voucher is complete or not and whether the materials are complete or not can be judged according to the historical transaction information and the business rules.
The identification module 503 is configured to identify the image of the bank transaction voucher after the bank transaction is qualified for initial approval, generate transaction information, and display the transaction information to the customer for confirmation;
and when the bank transaction voucher submitted by the client is qualified in initial examination, further identifying the image of the bank transaction voucher to generate transaction information, and then displaying the generated transaction information to the client so that the client can confirm the transaction information.
A verification module 504 for verifying the transaction information after the customer confirms the transaction information;
after the customer confirms the transaction information, the transaction information is further verified in three aspects of completeness, accuracy and authenticity.
And the tracking module 505 is used for submitting the transaction information which is verified to be correct to the centralized processing center and generating the two-dimensional code, so that the customer can inquire the transaction progress and result through the two-dimensional code and supplement materials through the two-dimensional code when the materials are missing.
When the transaction information is verified to be correct, the transaction information verified to be correct is submitted to a centralized processing center, so that different post tellers can conduct centralized processing on the transaction information, meanwhile, a two-dimensional code is generated and provided for a client, the processing progress and results of the different post tellers of the centralized operation center can be uploaded to a background corresponding to the two-dimensional code, the client can inquire the transaction progress and results in real time through the two-dimensional code, when materials need to be supplemented in the service processing process, the client can also clearly lack the materials through scanning the two-dimensional code and supplement and submit, and the centralized operation center tellers complete the transaction after receiving the materials supplemented by the client.
In summary, based on the above embodiments, when the banking transaction service is initially checked based on the banking transaction voucher image, the banking transaction service can be initially checked specifically according to the historical transaction information and the business rules.
As shown in fig. 6, which is a schematic structural diagram of an embodiment 3 of a front-end data self-service processing system for banking transactions disclosed in the present invention, the system may include:
the scanning module 601 is configured to obtain a banking transaction certificate submitted by a client, scan the banking transaction certificate, and generate a banking transaction certificate image corresponding to the banking transaction certificate;
when the customer goes to a bank outlet to transact business, the customer submits the bank transaction business certificate by self. After the customer submits the bank transaction voucher, the bank transaction voucher submitted by the customer is obtained, the obtained bank transaction voucher is scanned, and a bank transaction voucher image corresponding to the bank transaction voucher is generated.
A primary review module 602, configured to perform primary review on the banking transaction service according to the historical transaction information and the service rule based on the banking transaction service voucher image;
after generating the image of the bank transaction voucher corresponding to the bank transaction voucher, further performing initial examination on the bank transaction service based on the image of the bank transaction voucher, and judging whether the bank transaction voucher submitted by the client is complete or not and whether the materials are complete or not.
Specifically, when the bank transaction business is initially checked, whether the bank transaction business voucher is complete or not and whether the materials are complete or not can be judged according to the historical transaction information and the business rules.
The identification module 603 is configured to identify the image of the bank transaction voucher as a character after the bank transaction is qualified in the initial approval, generate transaction information based on the character obtained by the identification, and display the transaction information to the customer for confirmation;
and when the bank transaction voucher submitted by the client is qualified in initial examination, further identifying the image of the bank transaction voucher to generate transaction information, and then displaying the generated transaction information to the client so that the client can confirm the transaction information.
Specifically, when the transaction information is generated, the image of the bank transaction voucher may be recognized as characters, and then the transaction information may be generated based on the recognized characters.
Specifically, when the image of the bank transaction certificate is recognized as a Character, the image of the bank transaction certificate may be recognized as a Character through an OCR (Optical Character Recognition) technique.
Specifically, when the image of the bank transaction certificate is recognized as a character, the image of the bank transaction certificate may be recognized as a character by a Natural Language Processing (NLP) technique.
A verification module 604 for verifying the transaction information after the customer confirms the transaction information;
after the customer confirms the transaction information, the transaction information is further verified in three aspects of completeness, accuracy and authenticity.
And the tracking module 605 is used for submitting the transaction information which is verified to be correct to the centralized processing center and generating the two-dimensional code so that the customer can inquire the transaction progress and result through the two-dimensional code and supplement materials through the two-dimensional code when the materials are missing.
When the transaction information is verified to be correct, the transaction information verified to be correct is submitted to a centralized processing center, so that different post tellers can conduct centralized processing on the transaction information, meanwhile, a two-dimensional code is generated and provided for a client, the processing progress and results of the different post tellers of the centralized operation center can be uploaded to a background corresponding to the two-dimensional code, the client can inquire the transaction progress and results in real time through the two-dimensional code, when materials need to be supplemented in the service processing process, the client can also clearly lack the materials through scanning the two-dimensional code and supplement and submit, and the centralized operation center tellers complete the transaction after receiving the materials supplemented by the client.
In summary, in this embodiment, on the basis of the above embodiment, when the image of the bank transaction certificate is identified to generate the transaction information, the image of the bank transaction certificate may be specifically identified as characters, and the transaction information may be generated based on the characters obtained by identification.
The embodiments in the present description are described in a progressive manner, each embodiment focuses on differences from other embodiments, and the same and similar parts among the embodiments are referred to each other. The device disclosed by the embodiment corresponds to the method disclosed by the embodiment, so that the description is simple, and the relevant points can be referred to the method part for description.
Those of skill would further appreciate that the various illustrative elements and algorithm steps described in connection with the embodiments disclosed herein may be implemented as electronic hardware, computer software, or combinations of both, and that the various illustrative components and steps have been described above generally in terms of their functionality in order to clearly illustrate this interchangeability of hardware and software. Whether such functionality is implemented as hardware or software depends upon the particular application and design constraints imposed on the implementation. Skilled artisans may implement the described functionality in varying ways for each particular application, but such implementation decisions should not be interpreted as causing a departure from the scope of the present invention.
The steps of a method or algorithm described in connection with the embodiments disclosed herein may be embodied directly in hardware, in a software module executed by a processor, or in a combination of the two. A software module may reside in Random Access Memory (RAM), memory, Read Only Memory (ROM), electrically programmable ROM, electrically erasable programmable ROM, registers, hard disk, a removable disk, a CD-ROM, or any other form of storage medium known in the art.
The previous description of the disclosed embodiments is provided to enable any person skilled in the art to make or use the present invention. 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 invention. Thus, the present invention 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 front-end data self-help processing method for bank transaction is characterized by comprising the following steps:
acquiring a bank transaction certificate submitted by a client, scanning the bank transaction certificate, and generating a bank transaction certificate image corresponding to the bank transaction certificate;
performing initial examination on the bank transaction business based on the bank transaction business voucher image;
after the bank transaction business is qualified in initial examination, identifying the bank transaction business voucher image to generate transaction information, and displaying the transaction information to a client for confirmation;
after the customer confirms the transaction information, verifying the transaction information;
and submitting the transaction information which is verified to be correct to a centralized processing center, and generating a two-dimension code so that a customer can inquire transaction progress and results through the two-dimension code and supplement materials through the two-dimension code when materials are missing.
2. The method of claim 1, wherein said conducting an initial review of the banking transaction based on the banking transaction voucher image comprises:
and performing initial examination on the bank transaction business according to the historical transaction information and the business rule based on the bank transaction business voucher image.
3. The method of claim 1, wherein the identifying the image of the bank transaction voucher to generate transaction information comprises:
and identifying the image of the bank transaction certificate into characters, and generating transaction information based on the characters obtained by identification.
4. The method of claim 3, wherein said identifying said image of a banking transaction voucher as text comprises:
and identifying the image of the bank transaction certificate into characters by an optical character identification technology.
5. The method of claim 3, wherein said identifying said image of a banking transaction voucher as text comprises:
and identifying the image of the bank transaction certificate into characters through a natural voice processing technology.
6. A front end data self-service processing system for bank transactions, comprising:
the scanning module is used for acquiring a bank transaction business certificate submitted by a client, scanning the bank transaction business certificate and generating a bank transaction business certificate image corresponding to the bank transaction business certificate;
the initial examination module is used for carrying out initial examination on the bank transaction business based on the bank transaction business certificate image;
the identification module is used for identifying the bank transaction voucher image after the bank transaction business is qualified in initial approval, generating transaction information and displaying the transaction information to a client for confirmation;
the verification module is used for verifying the transaction information after the customer confirms the transaction information;
and the tracking module is used for submitting the transaction information which is verified to be correct to a centralized processing center, generating a two-dimensional code, so that a customer can inquire transaction progress and results through the two-dimensional code, and supplementing materials through the two-dimensional code when materials are missing.
7. The system of claim 6, wherein the initial review module is specifically configured to:
and performing initial examination on the bank transaction business according to the historical transaction information and the business rule based on the bank transaction business voucher image.
8. The system of claim 6, wherein the identification module is specifically configured to:
and identifying the image of the bank transaction certificate into characters, and generating transaction information based on the characters obtained by identification.
9. The system of claim 8, wherein the identification module is specifically configured to:
and identifying the image of the bank transaction certificate into characters by an optical character identification technology.
10. The system of claim 8, wherein the identification module is specifically configured to:
and identifying the image of the bank transaction certificate into characters through a natural voice processing technology.
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