CN113643039A - Intelligent over-the-counter business transaction processing method and device - Google Patents
Intelligent over-the-counter business transaction processing method and device Download PDFInfo
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Abstract
The invention discloses a method and a device for processing intelligent counter business transactions, which relate to the technical field of mobile interconnection, and the method comprises the following steps: reading the on-off state of a networking check emergency switch arranged on an intelligent counter; when the on-off state of the networking check emergency switch is the off state, calling a networking check system communicated with the intelligent counter, and verifying the identity information of a target user currently transacting business on the intelligent counter; and when the on-off state of the networking check emergency switch is the on state, determining whether to execute the business transaction transacted by the target user on the intelligent counter according to the business transaction control parameters pre-configured on the intelligent counter. The invention can determine whether to continue to execute the business transaction according to the business transaction control parameters pre-configured on the intelligent counter under the condition that the intelligent counter cannot call the networking checking system to verify the user identity, thereby reducing the times of failure of the user in handling the business transaction on the intelligent counter and improving the user experience.
Description
Technical Field
The invention relates to the technical field of mobile interconnection, in particular to an intelligent counter business transaction processing method and device.
Background
This section is intended to provide a background or context to the embodiments of the invention that are recited in the claims. The description herein is not admitted to be prior art by inclusion in this section.
When a user transacts business at an intelligent counter provided by a bank outlet, the identity information of the user often needs to be confirmed, the existing intelligent counter calls a networking check system of a public security system to identify the identity of the user, and subsequent transaction can be carried out after the identification is successful. The networking check system is often influenced by network reasons, system faults and the like, and the condition that an identity recognition result is not returned occurs, so that the handling of subsequent services is influenced, much inconvenience is brought to users, and the risk of losing customers is brought to network points.
In view of the above problems, no effective solution has been proposed.
Disclosure of Invention
The embodiment of the invention provides an intelligent counter business transaction processing method, which is used for solving the technical problem that the business transaction is failed due to the fact that the identity of a user is verified by calling a networking checking system of a public security system before the existing bank intelligent counter handles business transactions, and the business transaction is easily influenced by a network, and comprises the following steps: reading the on-off state of a networking check emergency switch arranged on an intelligent counter; when the on-off state of the networking check emergency switch is the off state, calling a networking check system communicated with the intelligent counter, and verifying the identity information of a target user currently transacting business on the intelligent counter; and when the on-off state of the networking check emergency switch is the on state, determining whether to execute the business transaction transacted by the target user on the intelligent counter according to the business transaction control parameters pre-configured on the intelligent counter.
The embodiment of the invention also provides an intelligent counter business transaction processing device, which is used for solving the technical problem that the business transaction is failed due to the influence of a network easily because the identity of a user is verified by calling a networking checking system of a public security system before the existing bank intelligent counter handles the business transaction, and the device comprises: the switch module is used for reading the switch state of the networking check emergency switch arranged on the intelligent counter; the first execution module is used for calling a networking check system communicated with the intelligent counter when the on-off state of the networking check emergency switch is in an off state, and verifying the identity information of a target user currently transacting business on the intelligent counter; and the second execution module is used for determining whether to execute the business transaction handled by the target user on the intelligent counter or not according to the business transaction control parameters pre-configured on the intelligent counter when the on-off state of the networking check emergency switch is the on state.
The embodiment of the invention also provides computer equipment for solving the technical problem that the service transaction is easy to fail due to the influence of a network when the user identity is verified by calling a networking verification system of a public security system before the service transaction is handled by the intelligent counter of the existing bank.
The embodiment of the invention also provides a computer readable storage medium, which is used for solving the technical problem that the service transaction is easy to fail due to the influence of a network when the user identity is verified by calling the networking verification system of a public security system before the existing bank intelligent counter handles the service transaction.
According to the intelligent counter business transaction processing method, the device, the computer equipment and the computer readable storage medium provided by the embodiment of the invention, the networking check emergency switch for executing the networking check emergency process is arranged on the intelligent counter and is turned off or turned on, when the on-off state of the networking check emergency switch is read to be the off state, the networking check system communicated with the intelligent counter is called, the identity information of a target user currently transacting business on the intelligent counter is verified, and when the on-off state of the networking check emergency switch is read to be the on state, whether the business transaction transacted on the intelligent counter by the target user is executed or not is determined according to the business transaction control parameters pre-configured on the intelligent counter.
Compared with the technical scheme that the intelligent counter directly calls the networking check system to verify the user identity in the prior art, the embodiment of the invention can determine whether to continue to execute the business transaction according to the business transaction control parameters pre-configured on the intelligent counter under the condition that the intelligent counter cannot call the networking check system to verify the user identity, thereby reducing the failure times of the user in handling the business transaction on the intelligent counter and improving the user experience.
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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. In the drawings:
fig. 1 is a flowchart of an intelligent counter transaction processing method provided in an embodiment of the present invention;
FIG. 2 is a flow chart of an alternative business transaction execution provided in an embodiment of the present invention;
FIG. 3 is a flow chart of an alternative business transaction execution provided in embodiments of the present invention;
FIG. 4 is a schematic diagram of an intelligent over-the-counter transaction processing device according to an embodiment of the present invention;
fig. 5 is a schematic diagram of a computer provided in an embodiment of the present invention.
Detailed Description
In order to make the objects, technical solutions and advantages of the embodiments of the present invention more apparent, the embodiments of the present invention are further described in detail below with reference to the accompanying drawings. The exemplary embodiments and descriptions of the present invention are provided to explain the present invention, but not to limit the present invention.
An embodiment of the present invention provides an intelligent counter business transaction processing method, fig. 1 is a flowchart of the intelligent counter business transaction processing method provided in the embodiment of the present invention, and as shown in fig. 1, the method includes the following steps:
and S101, reading the on-off state of the networking check emergency switch arranged on the intelligent counter.
It should be noted that the intelligent counter in the embodiment of the present invention refers to a self-service counter installed at a banking outlet, and a customer inserts an identity card or a bank card into the intelligent counter, and can self-service enter service transaction information and self-service transact business transactions such as new card opening, card supplementing, token replacement, and the like. Before a business transaction is transacted, the intelligent counter usually needs to verify the user identity information of a transactor, in the prior art, the intelligent counter mainly calls a networking verification system of a public security system to identify and verify the user identity information, and when the networking verification system returns a result that the identity verification passes, subsequent business transaction can be transacted on the intelligent counter.
In the embodiment of the invention, the networking check emergency switch is arranged on the intelligent counter of the bank outlet, and when the intelligent counter and the networking system cannot return the identification and verification result of the user identity information due to failure of communication or failure, the networking check emergency switch can be turned on, so that related business transactions can be handled without receiving the networking check and verification result.
And S102, when the on-off state of the networking check emergency switch is the off state, calling a networking check system communicated with the intelligent counter, and verifying the identity information of a target user currently transacting business on the intelligent counter.
It should be noted that, when the on-off state of the networking check emergency switch is the off state, indicating that the intelligent counter and the networking system can communicate normally, the networking check system is directly called to verify the identity information of the target user currently transacting business on the intelligent counter.
S103, when the on-off state of the networking check emergency switch is the on-off state, whether the business transaction handled by the target user on the intelligent counter is executed or not is determined according to the business transaction control parameters pre-configured on the intelligent counter.
It should be noted that, when the on-off state of the networking check emergency switch is the on state, it indicates that the intelligent counter and the networking system cannot communicate normally or have a fault, and the networking check system cannot return the verification identification result of the user identity information in time. In the embodiment of the invention, whether the business transaction transacted by the target user on the intelligent counter is continuously executed or not is determined according to the business transaction control parameter pre-configured on the intelligent counter, so that the risk of executing the business transaction without an online check result can be reduced to a certain extent.
In a specific implementation, the step S103 may be implemented by: if the business transaction control parameter is the first control parameter, refusing to execute the business transaction processed by the target user on the intelligent counter; if the business transaction control parameter is the second control parameter, the identity information of the target user is locally verified, and then the business transaction processed by the target user on the intelligent counter is continuously executed; and if the business transaction control parameter is the third control parameter, continuing to execute the business transaction processed on the intelligent counter by the target user.
Optionally, before continuing to execute the business transaction that the target user transacts on the intelligent counter, the intelligent counter business transaction processing method provided in the embodiment of the present invention may further include the following steps: judging whether the transaction amount of the service transaction exceeds a preset transaction limit or not; and when the transaction amount of the business transaction exceeds the preset transaction limit, refusing to execute the business transaction processed on the intelligent counter by the target user.
In order to further enhance the user experience of the intelligent counter, in an embodiment, before reading the switch state of the networking check emergency switch disposed on the intelligent counter, as shown in fig. 2, the intelligent counter business transaction processing method provided in the embodiment of the present invention may further include the following steps:
s201, monitoring the communication state between the networking check system and the intelligent counter;
s202, when communication faults occur between the networking check system and the intelligent counter, the networking check emergency switch is turned on.
In the embodiment of the present invention, in S201, the communication state between the networked checking system and the intelligent counter may be automatically monitored in real time or at regular time, and when a communication failure occurs between the networked checking system and the intelligent counter, a networked checking emergency process may be automatically started, that is, whether to continue a service transaction is determined according to a service transaction control parameter pre-configured on the intelligent counter, and a service person or a user does not need to manually start a networked checking emergency switch, so that the service transaction may be smoothly executed without being perceived by the user.
In order to further reduce the transaction risk of executing the business transaction without the online check, in an embodiment, after the business transaction processed on the intelligent counter by the target user is continuously executed, as shown in fig. 3, the intelligent counter business transaction processing method provided in the embodiment of the present invention may further include the following steps:
s301, recording service transaction information of service transaction;
s302, when the communication between the online checking system and the intelligent counter is recovered, the recorded business transaction information is rechecked.
In the embodiment of the invention, the business transaction information of the business transaction of the intelligent counter under the condition of no online check is recorded, so that the recorded business transaction information is rechecked under the condition of recovering the communication between the online check system and the intelligent counter, the transaction with the risk can be identified, and further corresponding measures are taken. In one embodiment, for business transactions found to have risks by rechecking, a corresponding early warning notification message can be generated to notify related personnel in time.
The intelligent counter business transaction processing method provided by the embodiment of the invention can comprise the following steps of:
1) and setting a fault time switch on the intelligent counter for operation of authorized service personnel to start a service handling process during fault.
2) And controlling parameters when the intelligent counter is in fault setting, and controlling whether each scene can be handled or not and specific handling conditions by the parameters. The fields thereof are: scene name, whether to accept service, and upper limit of the amount accepted. Whether the accepted service supports three choices are respectively: no/N (refuse to do), Y1 (do after providing auxiliary certificate) and Y2 (do). 3) And (4) the client transacts business at the intelligent counter, and reads the on-off state of the networking check emergency switch after entering the auditing process.
4) If the on-off state of the networking check emergency switch is in the 'off state', executing a conventional calling networking check process; if the on-off state of the networking check emergency switch is the 'on state', the 'business transaction control parameter' of the organization is inquired, whether the business transaction is continuously executed is determined, if the business transaction control parameter is 'N', the business transaction is rejected, and the business transaction cannot be accepted when the networking check fault is reported in a popup frame, and the business transaction is requested to be checked and rejected. "; if the service transaction control parameter is Y1, the field of the networking check result shows 'emergency, auxiliary certificates are required to be additionally recorded', if the service transaction control parameter is Y2, the field of the networking check result shows 'no audit', if the parameter is set to 'Y1' or 'Y2', whether the transaction exceeds the upper limit of the accepted amount is judged, if the transaction exceeds the limit, a popup frame prompts 'the upper limit of the accepted amount when the networking check fault is exceeded, and the transaction is required to be rejected'.
5) And (6) the audit is passed. And recording related information during the fault, and generating the 'transaction flow water meter during the online check of the fault'.
6) And after the fault of the networking checking system is recovered, performing batch rechecking on data in the networking checking fault transaction flow water meter in a batch mode to generate an early warning meter and prompting service personnel to strengthen subsequent auditing treatment on the early warning data.
As can be seen from the above, in the method for processing business transactions of an intelligent counter provided in the embodiments of the present invention, a fault emergency processing procedure of a networked checking system is added at a management end of the intelligent counter, and a networked checking emergency switch is provided for business personnel, so as to skip a networked checking step, continue to execute business transactions on the intelligent counter, and record business transaction information when the networked checking emergency switch is turned on, so that after the networked checking system is recovered, networked checking is called online in batches, and business risks are controlled according to a returned result.
Based on the same inventive concept, the embodiment of the present invention further provides an intelligent over-the-counter transaction processing apparatus, as described in the following embodiments. Because the principle of solving the problems of the device is similar to that of the intelligent counter business transaction processing method, the implementation of the device can refer to the implementation of the intelligent counter business transaction processing method, and repeated parts are not described again.
Fig. 4 is a schematic diagram of an intelligent counter transaction processing apparatus according to an embodiment of the present invention, as shown in fig. 4, the apparatus includes: a switch module 41, a first execution module 42 and a second execution module 43.
The switch module 41 is used for reading the switch state of the networking check emergency switch arranged on the intelligent counter;
the first execution module 42 is configured to invoke a networking check system in communication with the intelligent counter when the on-off state of the networking check emergency switch is the off state, and verify the identity information of a target user currently transacting business on the intelligent counter;
and the second execution module 43 is configured to determine whether to execute the service transaction handled by the target user on the intelligent counter according to the service transaction control parameter pre-configured on the intelligent counter when the switch state of the networking check emergency switch is the on state.
In an embodiment, in the intelligent counter business transaction processing apparatus provided in the embodiment of the present invention, the second executing module 43 is further configured to: if the business transaction control parameter is the first control parameter, refusing to execute the business transaction processed by the target user on the intelligent counter; if the business transaction control parameter is the second control parameter, the identity information of the target user is locally verified, and then the business transaction processed by the target user on the intelligent counter is continuously executed; and if the business transaction control parameter is the third control parameter, continuing to execute the business transaction processed on the intelligent counter by the target user.
In an embodiment, in the intelligent counter business transaction processing apparatus provided in the embodiment of the present invention, the second executing module 43 is further configured to: judging whether the transaction amount of the service transaction exceeds a preset transaction limit or not; and when the transaction amount of the business transaction exceeds the preset transaction limit, refusing to execute the business transaction processed on the intelligent counter by the target user.
In one embodiment, as shown in fig. 4, the intelligent counter transaction processing apparatus provided in the embodiment of the present invention further includes: the monitoring module 44 is used for monitoring the communication state between the networking checking system and the intelligent counter; in this embodiment, the switch module 41 is further configured to turn on the networking check emergency switch when a communication failure occurs between the networking check system and the intelligent counter.
In one embodiment, as shown in fig. 4, the intelligent counter transaction processing apparatus provided in the embodiment of the present invention further includes: a service information recording module 45, configured to record service transaction information of a service transaction; and the business transaction rechecking module 46 is used for rechecking the recorded business transaction information under the condition that the communication between the networked checking system and the intelligent counter is recovered.
Based on the same inventive concept, the embodiment of the present invention further provides a computer device, so as to solve the technical problem that the user identity is verified by calling a networking verification system of a public security system before the existing bank intelligent counter handles the business transaction, and the business transaction is easily affected by a network, and thus the business transaction is failed, fig. 5 is a schematic diagram of a computer provided in the embodiment of the present invention, as shown in fig. 5, the computer device 50 includes a memory 501, a processor 502, and a computer program stored in the memory 501 and operable on the processor 502, and the above-mentioned intelligent counter business transaction processing method is implemented when the processor 502 executes the computer program.
Based on the same inventive concept, the embodiment of the invention also provides a computer readable storage medium, which is used for solving the technical problem that the service transaction is easy to fail due to the influence of a network when the user identity is verified by calling a networking verification system of a public security system before the existing bank intelligent counter handles the service transaction.
According to the intelligent counter business transaction processing method, the device, the computer equipment and the computer readable storage medium provided by the embodiment of the invention, the networking check emergency switch for executing the networking check emergency process is arranged on the intelligent counter and is turned off or turned on, when the on-off state of the networking check emergency switch is read to be the off state, the networking check system communicated with the intelligent counter is called, the identity information of a target user currently transacting business on the intelligent counter is verified, and when the on-off state of the networking check emergency switch is read to be the on state, whether the business transaction transacted on the intelligent counter by the target user is executed or not is determined according to the business transaction control parameters pre-configured on the intelligent counter.
Compared with the technical scheme that the intelligent counter directly calls the networking check system to verify the user identity in the prior art, the embodiment of the invention can determine whether to continue to execute the business transaction according to the business transaction control parameters pre-configured on the intelligent counter under the condition that the intelligent counter cannot call the networking check system to verify the user identity, thereby reducing the failure times of the user in handling the business transaction on the intelligent counter and improving the user experience.
As will be appreciated by one skilled in the art, embodiments of the present invention may be provided as a method, system, or computer program product. Accordingly, the present invention may take the form of an entirely hardware embodiment, an entirely software embodiment or an embodiment combining software and hardware aspects. Furthermore, the present invention 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 invention is described with reference to flowchart illustrations and/or block diagrams of methods, apparatus (systems), and computer program products according to embodiments of the invention. 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.
The above-mentioned embodiments are intended to illustrate the objects, technical solutions and advantages of the present invention in further detail, and it should be understood that the above-mentioned embodiments are only exemplary embodiments of the present invention, and are not intended to limit the scope of the present invention, and any modifications, equivalent substitutions, improvements and the like made within the spirit and principle of the present invention should be included in the scope of the present invention.
Claims (12)
1. An intelligent over-the-counter business transaction processing method is characterized by comprising the following steps:
reading the on-off state of a networking check emergency switch arranged on an intelligent counter;
when the on-off state of the networking check emergency switch is in an off state, calling a networking check system communicated with the intelligent counter, and verifying the identity information of a target user currently transacting business on the intelligent counter;
and when the on-off state of the networking check emergency switch is an on state, determining whether to execute the business transaction transacted by the target user on the intelligent counter according to the business transaction control parameters pre-configured on the intelligent counter.
2. The method of claim 1, wherein determining whether to execute the business transaction that the target user transacts on the intelligent counter based on pre-configured business transaction control parameters on the intelligent counter comprises:
if the business transaction control parameter is the first control parameter, refusing to execute the business transaction processed by the target user on the intelligent counter;
if the business transaction control parameter is a second control parameter, the business transaction processed by the target user on the intelligent counter is continuously executed after the identity information of the target user is locally verified;
and if the business transaction control parameter is the third control parameter, continuing to execute the business transaction transacted by the target user on the intelligent counter.
3. The method of claim 2, wherein prior to continuing to perform the business transaction that the target user transacts on the intelligent counter, the method further comprises:
judging whether the transaction amount of the service transaction exceeds a preset transaction limit or not;
and refusing to execute the business transaction processed by the target user on the intelligent counter under the condition that the transaction amount of the business transaction exceeds a preset transaction limit.
4. The method of claim 1, wherein prior to reading the switch status of a networked checkup emergency switch disposed on the smart counter, the method further comprises:
monitoring the communication state between the networking check system and the intelligent counter;
and when the communication fault occurs between the networking check system and the intelligent counter, the networking check emergency switch is turned on.
5. The method of claim 4, wherein after continuing to perform the business transaction that the target user transacts on the intelligent counter, the method further comprises:
recording the business transaction information of the business transaction;
and when the communication between the networking checking system and the intelligent counter is recovered, rechecking the recorded business transaction information.
6. An intelligent over-the-counter transaction processing device, comprising:
the switch module is used for reading the switch state of the networking check emergency switch arranged on the intelligent counter;
the first execution module is used for calling a networking check system communicated with the intelligent counter when the on-off state of the networking check emergency switch is in an off state, and verifying the identity information of a target user currently transacting business on the intelligent counter;
and the second execution module is used for determining whether to execute the business transaction transacted by the target user on the intelligent counter according to the business transaction control parameters pre-configured on the intelligent counter when the on-off state of the networking check emergency switch is the on state.
7. The apparatus of claim 6, wherein the second execution module is further to:
if the business transaction control parameter is the first control parameter, refusing to execute the business transaction processed by the target user on the intelligent counter;
if the business transaction control parameter is a second control parameter, the business transaction processed by the target user on the intelligent counter is continuously executed after the identity information of the target user is locally verified;
and if the business transaction control parameter is the third control parameter, continuing to execute the business transaction transacted by the target user on the intelligent counter.
8. The apparatus of claim 7, wherein the second execution module is further to:
judging whether the transaction amount of the service transaction exceeds a preset transaction limit or not;
and refusing to execute the business transaction processed by the target user on the intelligent counter under the condition that the transaction amount of the business transaction exceeds a preset transaction limit.
9. The apparatus of claim 6, wherein the apparatus further comprises:
the monitoring module is used for monitoring the communication state between the networking check system and the intelligent counter;
the switch module is further used for starting the networking check emergency switch under the condition that communication faults occur between the networking check system and the intelligent counter.
10. The apparatus of claim 9, wherein the apparatus further comprises:
the business information recording module is used for recording the business transaction information of the business transaction;
and the business transaction rechecking module is used for rechecking the recorded business transaction information under the condition that the communication between the networking checking system and the intelligent counter is restored.
11. A computer device comprising a memory, a processor and a computer program stored on the memory and executable on the processor, wherein the processor implements the intelligent counter transaction processing method according to any one of claims 1 to 5 when executing the computer program.
12. A computer-readable storage medium, wherein a computer program for executing the intelligent counter business transaction processing method according to any one of claims 1 to 5 is stored in the computer-readable storage medium.
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| Application Number | Priority Date | Filing Date | Title |
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| CN202110916891.5A CN113643039B (en) | 2021-08-11 | 2021-08-11 | Intelligent counter business transaction processing method and device |
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| CN202110916891.5A CN113643039B (en) | 2021-08-11 | 2021-08-11 | Intelligent counter business transaction processing method and device |
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| CN113643039A true CN113643039A (en) | 2021-11-12 |
| CN113643039B CN113643039B (en) | 2023-12-19 |
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| CN101373549A (en) * | 2007-08-24 | 2009-02-25 | 内蒙古银安科技开发有限责任公司 | Control method for resolving identification card recognition and networking check based on financial ATM production service terminal |
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