CN114495378A - Cash withdrawal information acquisition and processing method and system based on ATM - Google Patents

Cash withdrawal information acquisition and processing method and system based on ATM Download PDF

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Publication number
CN114495378A
CN114495378A CN202210070149.1A CN202210070149A CN114495378A CN 114495378 A CN114495378 A CN 114495378A CN 202210070149 A CN202210070149 A CN 202210070149A CN 114495378 A CN114495378 A CN 114495378A
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China
Prior art keywords
cash withdrawal
cash
atm
log information
queue
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CN202210070149.1A
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Chinese (zh)
Inventor
姜敬超
单震
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Chaozhou Zhuoshu Big Data Industry Development Co Ltd
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Chaozhou Zhuoshu Big Data Industry Development Co Ltd
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Priority to CN202210070149.1A priority Critical patent/CN114495378A/en
Publication of CN114495378A publication Critical patent/CN114495378A/en
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    • GPHYSICS
    • G07CHECKING-DEVICES
    • G07FCOIN-FREED OR LIKE APPARATUS
    • G07F19/00Complete banking systems; Coded card-freed arrangements adapted for dispensing or receiving monies or the like and posting such transactions to existing accounts, e.g. automatic teller machines
    • G07F19/20Automatic teller machines [ATMs]

Abstract

The invention discloses a cash withdrawal information acquisition and processing method and a cash withdrawal information acquisition and processing system based on an ATM (automatic teller machine), which belong to the technical field of big data analysis, and aim to solve the technical problem of analyzing cash withdrawal information of a user on the ATM, further optimizing cash dispatching of a bank and reducing financial cost, wherein the technical scheme is as follows: the method comprises the following specific steps: collecting user behavior logs: collecting log information of cash-taking behaviors of the ATM and the bank outlets; write to Kafka corresponding message queue: creating a theme queue in the kafka, and writing the log information of the behavior taken by the user into a corresponding queue; storing the log by an Elasticsearch: writing the log information of the user cash-out behavior into an Elasticissearch, and storing the log information of the user cash-out behavior; displaying the log information through Kibana: and graphically displaying and monitoring the log information in the elastic search through Kibana.

Description

Cash withdrawal information acquisition and processing method and system based on ATM
Technical Field
The invention relates to the technical field of big data analysis, in particular to a cash withdrawal information acquisition and processing method and system based on an ATM.
Background
Cash assets are non-profitable assets as the first line of defense required for the liquidity of a bank, which is generally reduced as much as possible to the legally mandated minimum standards from an operational standpoint. Cash assets have no interest in them and banks always keep as little cash as possible as long as they do not create a transaction barrier. Profit revenues can be gained if the bank uses the freed funds for another investment, so that excessive cash preparation has a higher opportunity cost, and the opportunity cost increases as the level of investment interest rises. However, there is a significant risk that the bank is under cash preparation. If the bank does not have enough cash on hand to satisfy the depositor's withdrawal requirements, the depositor's trust in the bank will be lost. Also, a bank must maintain a sufficient balance of the deposit at the central bank and at the banks to which other transactions are directed to replenish the outflow of the deposit. Having too few cash assets has a potential negative impact on the ability to clear and increase the cost of borrowing. Therefore, a reasonable cash dispatching mechanism can effectively reduce the operation cost of the bank.
In modern society, electronic payment is increasingly popular, but cash payment is of practical necessity, which is a necessary guarantee for dealing with digital gaps and meeting basic payment requirements of specific people. Electronic payment is used as a technical means, a threshold is formed for requirements of communication equipment, network access and operation level, and people who do not meet the conditions are refused to the outside, and part of groups cannot enjoy basic financial services. The first time is the elderly, and in addition, the elderly also comprise low-income people, foreign immigrants, minors and people with visual impairment, which lack equipment and use skills.
The bank provides cash to the society through the ATM and the bank outlets, the bank needs to convey a certain amount of cash to the ATM and the bank outlets every day, if the cash amount needed by the ATM and the bank outlets can be predicted in a certain program, the bank cost can be reduced, and the embarrassment situation that a user can not have cash can be avoided to a certain extent.
Therefore, how to analyze the cash withdrawal information of the user on the ATM, further optimizing the cash dispatching of the bank and reducing the financial cost is a technical problem to be solved urgently at present.
Disclosure of Invention
The technical task of the invention is to provide a cash withdrawal information acquisition and processing method and system based on an ATM (automatic teller machine), so as to solve the problems of how to analyze cash withdrawal information of a user on the ATM, further optimize cash dispatching of a bank and reduce financial cost.
The technical task of the invention is realized in the following way, and the cash-getting information acquisition and processing method based on the ATM comprises the following steps:
collecting user behavior logs: collecting log information of cash-taking behaviors of the ATM and the bank outlets;
write to Kafka corresponding message queue: creating a theme queue in the kafka, and writing the log information of the behavior taken by the user into a corresponding queue;
storing the log by an Elasticsearch: writing the log information of the user cash-out behavior into an Elasticissearch (ES), and storing the log information of the user cash-out behavior;
displaying the log information through Kibana: the log information in the elastic search is graphically displayed and monitored through Kibana, and analysis is facilitated.
Preferably, the log information of the user cash-out behavior comprises a cash-out account, cash-out time, cash-out amount, name of cash-out site, user information (age, sex, etc.), service type and service processing time.
More preferably, the theme queue comprises:
the ATMQueue queue is used for collecting ATM log information, and the ATM log information comprises cash withdrawal accounts, cash withdrawal time, cash withdrawal amount and cash withdrawal network point names;
and the Bank queue is used for collecting the log information of the bank outlets, wherein the log information of the bank outlets comprises cash withdrawal accounts, cash withdrawal time, cash withdrawal amount, cash withdrawal outlet names, service types, user information (age, gender and the like) and service processing time.
Preferably, the Elasticissearch stores the log and creates an index theme at the same time, so that the retrieval is facilitated; the index topic includes ATM _ Info and Bank _ Info.
An ATM-based cash-withdrawal information acquisition and processing system comprises,
the collection module is used for collecting the log information of the cash-taking behaviors of the ATM and the bank outlets;
the writing module is used for creating a theme queue in the kafka and writing the log information of the behavior taken by the user into the corresponding queue;
the storage module is used for writing the log information of the user cash-out behavior into an Elasticissearch (ES) and storing the log information of the user cash-out behavior;
and the display module is used for graphically displaying and monitoring the log information in the elastic search through Kibana, so that analysis is facilitated.
Preferably, the log information of the user cash-out behavior comprises a cash-out account, cash-out time, cash-out amount, name of cash-out site, user information (age, sex, etc.), service type and service processing time.
More preferably, the theme queue comprises:
the ATMQueue queue is used for collecting ATM log information, and the ATM log information comprises cash withdrawal accounts, cash withdrawal time, cash withdrawal amount and cash withdrawal network point names;
a Bank queue for collecting the log information of the bank outlets, wherein the log information of the bank outlets comprises cash withdrawal accounts, cash withdrawal time, cash withdrawal amount, name of the cash withdrawal outlet, service type, user information (age, sex and the like) and service processing time;
the Elasticissearch stores the log and creates an index theme at the same time, so that the retrieval is facilitated; the index topic includes ATM _ Info and Bank _ Info.
Preferably, the working process of the system is as follows:
(1) collecting information of the ATM and the bank outlets and sending the information to an ATMQueue queue and a Bank Queue queue of kafka;
(2) consuming messages in the ATMQueue queue and the Bank Queue queue of the kafka by the distributed consumer program;
(3) respectively sending the log information to ATM _ Info and Bank _ Info subject storage in the elastic search;
(4) and the log information in the elastic search is graphically displayed through Kibana to facilitate analysis.
An electronic device, comprising: a memory and at least one processor;
wherein the memory has stored thereon a computer program;
the at least one processor executes the computer program stored in the memory, so that the at least one processor executes the ATM-based cash withdrawal information acquisition and processing method as described above.
A computer-readable storage medium having stored thereon a computer program executable by a processor to implement the ATM-based cash withdrawal information acquisition and processing method as described above.
Kafka is a high-throughput distributed publish-subscribe messaging system that can handle log information generated by a plurality of ATM machines and banking outlets, and can handle large amounts of data in near real-time.
The Elasticissearch is a distributed, high-expansion and high-real-time search and data analysis engine. The method can conveniently enable a large amount of data to have the capability of searching, analyzing and exploring, fully utilizes the horizontal flexibility of the elastic search, and enables the data to become more valuable in the production environment. The implementation principle of the Elasticsearch is mainly divided into the following steps: firstly, a user submits data to an Elasticissearch database, then a participle controller divides corresponding sentences into words, the weights and the participle results are stored in the data, when the user searches the data, the results are ranked and scored according to the weights, and then the returned results are presented to the user.
Kibana can visually display the elastic search data through various different charts, tables, maps and the like, so that the purposes of high-level data analysis and visualization are achieved.
The cash withdrawal information acquisition and processing method and system based on the ATM have the following advantages:
the invention uses big data relative tool to analyze log, analyzes reasonable cash reserve of each network through real data of ATM and bank network, that is, estimates the demand of each bank network for cash by analyzing the user money-taking behavior, optimizes bank cash scheduling, and reduces bank financial cost;
by analyzing the access and cash-out behaviors of the user, the method and the system can optimize the cash allocation strategy of the bank in a targeted manner, accurately analyze the actual conditions of cash business of each website, reduce the financial cost of the bank and improve the experience of depositors;
and thirdly, the invention can acquire the cash demand condition of different depositors of each bank point by collecting and analyzing the user cash withdrawal behavior information, thereby optimizing bank service and cash dispatching and predicting the cash demand of each bank point.
Drawings
The invention is further described below with reference to the accompanying drawings.
FIG. 1 is a flow chart diagram of a cash withdrawal information acquisition and processing method based on an ATM;
FIG. 2 is a screenshot of an interface showing a Kibana similar analysis effect graph.
Detailed Description
The ATM-based cash withdrawal information acquisition and processing method and system of the present invention will be described in detail below with reference to the accompanying drawings and specific embodiments.
Example 1:
as shown in fig. 1, the cash-out information obtaining and processing method based on the ATM of the present invention specifically includes the following steps:
s1, collecting a user behavior log: collecting log information of cash-taking behaviors of the ATM and the bank outlets;
s2, writing into a Kafka corresponding message queue: creating a theme queue in the kafka, and writing the log information of the behavior taken by the user into a corresponding queue;
s3, storing the log through the elastic search: writing the log information of the user cash-out behavior into an Elastic Search (ES) and storing the log information of the user cash-out behavior;
s4, displaying log information through Kibana: the log information in the elastic search is graphically displayed and monitored through Kibana, so that analysis is facilitated, and the method is shown in the attached figure 2.
The log information of the cash-out behavior of the user in step S1 of this embodiment includes a cash-out account, cash-out time, cash-out amount, name of cash-out site, user information (age, sex, etc.), service type and service processing time.
The theme queue in step S2 of this embodiment includes:
the ATMQueue queue is used for collecting ATM log information, and the ATM log information comprises cash withdrawal accounts, cash withdrawal time, cash withdrawal amount and cash withdrawal network point names;
and the Bank queue is used for collecting the log information of the bank outlets, wherein the log information of the bank outlets comprises cash withdrawal accounts, cash withdrawal time, cash withdrawal amount, cash withdrawal outlet names, service types, user information (age, gender and the like) and service processing time.
In the embodiment, the elastic search in step S3 stores the log and creates the index topic, which is convenient for retrieval; the index topic includes ATM _ Info and Bank _ Info.
After collecting and analyzing the user cash-out data, when predicting bank scheduling, the following problems need to be noticed:
counting the cash withdrawal condition of each network point by hours in one month, and counting the cash required by each network point every day, wherein the cash in the ATM is not lower than 70% of the highest cash withdrawal value in the month every day;
secondly, analyzing the business types and user age classes transacted by the bank outlets every day, and if the business of the old people of the outlets is more than 50% of the business every day, adding windows and guide services;
thirdly, associating the cash use condition of each network with the date, such as holidays, weekends and other cash demands, predicting the peak of future cash withdrawal by counting the peak periods of cash withdrawal of each bank network in the past year, and scheduling in advance according to the peak value to prepare enough cash;
and fourthly, analyzing the cash withdrawal time period of the user at the network points, for example, the network points are the cash withdrawal peak time period at 11-12 points, and finishing cash replenishment before the time, thereby adjusting the route of the cash truck and optimizing the cash conveying process.
Example 2:
the invention relates to a cash-out information acquisition and processing system based on ATM, comprising,
the collection module is used for collecting the log information of the cash-taking behaviors of the ATM and the bank outlets;
the writing module is used for creating a theme queue in the kafka and writing the log information of the behavior taken by the user into the corresponding queue;
the storage module is used for writing the log information of the user cash-out behavior into an Elasticissearch (ES) and storing the log information of the user cash-out behavior;
and the display module is used for graphically displaying and monitoring the log information in the elastic search through Kibana, so that analysis is facilitated.
The log information of the cash withdrawal behavior of the user in this embodiment includes a cash withdrawal account, cash withdrawal time, cash withdrawal amount, name of cash withdrawal site, user information (age, gender, and the like), service type, and service processing time.
The theme queue in this embodiment includes:
the ATMQueue queue is used for collecting ATM log information, and the ATM log information comprises cash withdrawal accounts, cash withdrawal time, cash withdrawal amount and cash withdrawal network point names;
a Bank queue for collecting the log information of the bank outlets, wherein the log information of the bank outlets comprises cash withdrawal accounts, cash withdrawal time, cash withdrawal amount, cash withdrawal outlet names, service types, user information (age, gender and the like) and service processing time;
the Elasticissearch stores the log and creates an index theme at the same time, so that the retrieval is facilitated; the index topic includes ATM _ Info and Bank _ Info.
The working process of the system is as follows:
(1) collecting information of the ATM and the bank outlets and sending the information to an ATMQueue queue and a Bank Queue queue of kafka;
(2) consuming messages in the ATMQueue queue and the Bank Queue queue of the kafka by the distributed consumer program;
(3) respectively sending the log information to ATM _ Info and Bank _ Info subject storage in the elastic search;
(4) and the log information in the elastic search is graphically displayed through Kibana to facilitate analysis.
Example 3:
an embodiment of the present invention further provides an electronic device, including: a memory and a processor;
wherein the memory stores computer-executable instructions;
the processor executes the computer executable instructions stored in the memory to cause the processor to perform the ATM based cash register information acquisition and processing method according to any of the embodiments of the present invention.
The processor may be a Central Processing Unit (CPU), but may also be other general purpose processors, Digital Signal Processors (DSPs), Application Specific Integrated Circuits (ASICs), off-the-shelf programmable gate arrays (FPGAs) or other programmable logic devices, discrete gate or transistor logic devices, discrete hardware components, etc. The processor may be a microprocessor or the processor may be any conventional processor or the like.
The memory may be used to store computer programs and/or modules, and the processor may implement various functions of the electronic device by executing or performing the computer programs and/or modules stored in the memory and invoking data stored in the memory. The memory may mainly include a storage program area and a storage data area, wherein the storage program area may store an operating system, an application program required for at least one function, and the like; the storage data area may store data created according to the use of the terminal, and the like. The memory may also include high speed random access memory, and may also include non-volatile memory, such as a hard disk, a memory, a plug-in hard disk, a memory only card (SMC), a Secure Digital (SD) card, a flash memory card, at least one disk storage period, a flash memory device, or other volatile solid state memory device.
Example 4:
the embodiment of the invention also provides a computer-readable storage medium, wherein a plurality of instructions are stored, and the instructions are loaded by the processor, so that the processor executes the cash-out information acquisition and processing method based on the ATM in any embodiment of the invention. Specifically, a system or an apparatus equipped with a storage medium on which software program codes that realize the functions of any of the above-described embodiments are stored may be provided, and a computer (or a CPU or MPU) of the system or the apparatus is caused to read out and execute the program codes stored in the storage medium.
In this case, the program code itself read from the storage medium can realize the functions of any of the above-described embodiments, and thus the program code and the storage medium storing the program code constitute a part of the present invention.
Examples of the storage medium for supplying the program code include a floppy disk, a hard disk, a magneto-optical disk, an optical disk (e.g., CD-ROM, CD-R, CD-RW, DVD-ROM, DVD-RYM, DVD-RW, DVD + RW), a magnetic tape, a nonvolatile memory card, and a ROM. Alternatively, the program code may be downloaded from a server computer via a communications network.
Further, it should be clear that the functions of any one of the above-described embodiments may be implemented not only by executing the program code read out by the computer, but also by causing an operating system or the like operating on the computer to perform a part or all of the actual operations based on instructions of the program code.
Further, it is to be understood that the program code read out from the storage medium is written to a memory provided in an expansion board inserted into the computer or to a memory provided in an expansion unit connected to the computer, and then causes a CPU or the like mounted on the expansion board or the expansion unit to perform part or all of the actual operations based on instructions of the program code, thereby realizing the functions of any of the above-described embodiments.
Finally, it should be noted that: the above embodiments are only used to illustrate the technical solution of the present invention, and not to limit the same; while the invention has been described in detail and with reference to the foregoing embodiments, it will be understood by those skilled in the art that: the technical solutions described in the foregoing embodiments may still be modified, or some or all of the technical features may be equivalently replaced; and the modifications or the substitutions do not make the essence of the corresponding technical solutions depart from the scope of the technical solutions of the embodiments of the present invention.

Claims (10)

1. A cash withdrawal information acquisition and processing method based on an ATM is characterized by comprising the following steps:
collecting user behavior logs: collecting log information of cash-taking behaviors of the ATM and the bank outlets;
write to Kafka corresponding message queue: creating a theme queue in the kafka, and writing the log information of the behavior taken by the user into a corresponding queue;
storing the log by an Elasticsearch: writing the log information of the user cash-out behavior into an Elasticissearch, and storing the log information of the user cash-out behavior;
displaying the log information through Kibana: and graphically displaying and monitoring the log information in the elastic search through Kibana.
2. An ATM-based cash withdrawal information acquisition and processing method according to claim 1, wherein the log information of the user cash withdrawal behavior includes cash withdrawal account, cash withdrawal time, cash withdrawal amount, cash withdrawal site name, user information, service type and service processing time.
3. An ATM-based cash withdrawal information acquisition and processing method according to claim 1 or 2, wherein the subject queue includes:
the ATMQueue queue is used for collecting ATM log information, and the ATM log information comprises cash withdrawal accounts, cash withdrawal time, cash withdrawal amount and cash withdrawal network point names;
and the Bank queue is used for collecting the log information of the bank outlets, wherein the log information of the bank outlets comprises cash withdrawal accounts, cash withdrawal time, cash withdrawal amount, cash withdrawal outlet names, service types, user information and service processing time.
4. An ATM-based cash withdrawal information acquisition and processing method according to claim 3, wherein the Elasticsearch stores the log while creating an index topic; the index topic includes ATM _ Info and Bank _ Info.
5. An ATM-based withdrawal information acquisition and processing system is characterized in that the system comprises,
the collection module is used for collecting the log information of the cash-taking behaviors of the ATM and the bank outlets;
the writing module is used for creating a theme queue in the kafka and writing the log information of the behavior taken by the user into the corresponding queue;
the storage module is used for writing the log information of the user cash-out behavior into an Elasticsearch and storing the log information of the user cash-out behavior;
and the display module is used for carrying out graphical display and monitoring on the log information in the elastic search through Kibana.
6. An ATM-based cash withdrawal information acquisition and processing system according to claim 5, wherein the log information of the user cash withdrawal behavior includes cash withdrawal account, cash withdrawal time, cash withdrawal amount, cash withdrawal site name, user information, service type and service processing time.
7. An ATM-based cash withdrawal information acquisition and processing system according to claim 5 or 6, wherein the subject queue comprises:
the ATMQueue queue is used for collecting ATM log information, and the ATM log information comprises cash withdrawal accounts, cash withdrawal time, cash withdrawal amount and cash withdrawal network point names;
a Bank queue for collecting the log information of the bank outlets, wherein the log information of the bank outlets comprises cash withdrawal accounts, cash withdrawal time, cash withdrawal amount, cash withdrawal outlet names, service types, user information and service processing time;
creating an index theme while the Elasticissearch stores the log; the index topic includes ATM _ Info and Bank _ Info.
8. An ATM-based cash withdrawal information acquisition and processing system according to claim 7, wherein the system operates as follows:
(1) collecting information of the ATM and the bank outlets and sending the information to an ATMQueue queue and a Bank Queue queue of kafka;
(2) consuming messages in the ATMQueue queue and the Bank Queue queue of the kafka by the distributed consumer program;
(3) respectively sending the log information to ATM _ Info and Bank _ Info subject storage in the elastic search;
(4) and displaying the log information in the elastic search graphically through Kibana for analysis.
9. An electronic device, comprising: a memory and at least one processor;
wherein the memory has stored thereon a computer program;
the at least one processor executing the computer program stored in the memory causes the at least one processor to perform the ATM based cash withdrawal information acquisition and processing method according to any one of claims 1 to 4.
10. A computer-readable storage medium, wherein a computer program is stored in the computer-readable storage medium, and the computer program is executable by a processor to implement the ATM machine-based cash-out information acquiring and processing method according to any one of claims 1 to 4.
CN202210070149.1A 2022-01-21 2022-01-21 Cash withdrawal information acquisition and processing method and system based on ATM Pending CN114495378A (en)

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Application publication date: 20220513