CN115086434A - Bank business handling method and device based on block chain - Google Patents

Bank business handling method and device based on block chain Download PDF

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Publication number
CN115086434A
CN115086434A CN202210668590.XA CN202210668590A CN115086434A CN 115086434 A CN115086434 A CN 115086434A CN 202210668590 A CN202210668590 A CN 202210668590A CN 115086434 A CN115086434 A CN 115086434A
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counter
user
information
identifier
service
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CN115086434B (en
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党娜
刘洋
李�昊
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Bank of China Ltd
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Bank of China Ltd
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    • G—PHYSICS
    • G07—CHECKING-DEVICES
    • G07F—COIN-FREED OR LIKE APPARATUS
    • G07F19/00—Complete 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
    • G07F19/20—Automatic teller machines [ATMs]
    • G07F19/211—Software architecture within ATMs or in relation to the ATM network
    • H—ELECTRICITY
    • H04—ELECTRIC COMMUNICATION TECHNIQUE
    • H04L—TRANSMISSION OF DIGITAL INFORMATION, e.g. TELEGRAPHIC COMMUNICATION
    • H04L67/00—Network arrangements or protocols for supporting network services or applications
    • H04L67/01—Protocols
    • H04L67/12—Protocols specially adapted for proprietary or special-purpose networking environments, e.g. medical networks, sensor networks, networks in vehicles or remote metering networks

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  • General Health & Medical Sciences (AREA)
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  • Business, Economics & Management (AREA)
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  • Physics & Mathematics (AREA)
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Abstract

The invention discloses a banking business handling method and a banking business handling device based on a block chain, and relates to the technical field of block chains, wherein the banking business handling method comprises the following steps: the ATM sends an idle counter information acquisition request to a bank counter server in the block chain according to a service handling request submitted by a user; the bank counter server and each counter terminal are respectively nodes in the block chain; receiving idle counter information sent by a bank counter server according to a banking business identifier; the counter identification selected by the user according to the free counter information is sent to a bank counter server, so that the bank counter server sends a service processing instruction to a counter terminal selected by the user; receiving an operation instruction sent by a counter terminal selected by a user after receiving a service processing instruction; sending the operation information submitted by the user according to the operation instruction to the counter terminal selected by the user; and the counter terminal finishes business handling for the user according to the operation information. The invention can improve the handling efficiency of banking business.

Description

Bank business handling method and device based on block chain
Technical Field
The invention relates to the technical field of block chains, in particular to a banking business handling method and device based on a block chain.
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.
At present, some specific banking businesses need to be handled at a bank counter, but the user flow of each banking outlet is different, so that counters of some banking outlets are idle, resources are wasted, counter resources of some banking outlets are in shortage, users need to wait in a queue for a long time, the handling efficiency of the banking counter businesses is low, the allocation efficiency of counter resources is low, the business that can be handled by the counter of each banking outlet is also different, the users cannot determine the correct banking outlet, and the user experience is poor.
Disclosure of Invention
The embodiment of the invention provides a banking business handling method based on a block chain, which is applied to an ATM (automatic Teller machine) and is used for improving the allocation efficiency of bank counter resources, reducing resource waste, improving the business handling efficiency of a bank counter, shortening the queuing time of a user and improving the user experience, and the method comprises the following steps:
receiving a business handling request submitted by a user; the service handling request carries a banking service identifier and an identity identifier of the user;
sending an idle counter information acquisition request to a bank counter server in a block chain according to the service handling request; the free counter information acquisition request carries the banking service identifier and the identity identifier of the user; the bank counter server and each counter terminal are respectively nodes in the block chain;
receiving idle counter information sent by the bank counter server according to the banking business identifier; wherein the free counter information includes: counter identification and position information of the free counter, counter identification corresponding to the free counter and business handling information corresponding to the counter;
providing free counter information for a user, receiving a counter identifier selected by the user according to the free counter information, and sending the counter identifier selected by the user to a bank counter server so that the bank counter server sends a service processing instruction to a counter terminal corresponding to the counter identifier selected by the user, wherein the service processing instruction carries a bank service identifier, an identity identifier of the user and an equipment identifier of the ATM;
receiving an operation instruction sent by a counter terminal corresponding to the counter mark selected by the user after receiving the service processing instruction;
providing the operation instruction for a user, and sending operation information submitted by the user according to the operation instruction to a counter terminal corresponding to the counter identifier selected by the user; and the counter terminal corresponding to the counter mark selected by the user completes service handling for the user according to the operation information.
The embodiment of the invention also provides a banking business handling method based on the block chain, which is applied to the node of the block chain, wherein the node is a bank counter server and is used for improving the allocation efficiency of bank counter resources, reducing resource waste, improving the business handling efficiency of a bank counter, shortening the queuing time of a user and improving user experience, and the method comprises the following steps:
receiving an idle counter information acquisition request sent by an ATM;
according to the banking service identification and the user identity identification contained in the idle counter information acquisition request, determining an idle counter terminal capable of handling the banking service corresponding to the banking service identification from each node of the block chain;
generating idle counter information according to counter identification, position information, teller identification and teller service handling information of an idle counter terminal, and sending the idle counter information to the ATM;
after receiving the counter identification selected by the user and sent by the ATM, determining a counter terminal selected by the user according to the counter identification selected by the user, and sending a service processing instruction to the counter terminal selected by the user; the business processing instruction carries a banking business identifier, an identity identifier of the user and an equipment identifier of the ATM; the counter terminal selected by the user sends an operation instruction to the ATM according to the service processing instruction, and the user sends operation information to the selected counter terminal by using the ATM according to the operation instruction;
and receiving service processing information sent by the counter terminal selected by the user according to the operation information of the user, and completing service handling for the user according to the service processing information.
The embodiment of the invention also provides a banking business handling device based on the block chain, which is applied to the ATM and used for improving the allocation efficiency of bank counter resources, reducing resource waste, improving the business handling efficiency of the bank counter, shortening the queuing time of users and improving the user experience, and the device comprises:
the first receiving module is used for receiving a business transaction request submitted by a user; the service handling request carries a banking service identifier and an identity identifier of the user;
the first sending module is used for sending an idle counter information acquisition request to a bank counter server in the block chain according to the service handling request; the free counter information acquisition request carries the banking service identifier and the identity identifier of the user; the bank counter server and each counter terminal are respectively nodes in the block chain;
the second receiving module is used for receiving the idle counter information sent by the bank counter server according to the banking business identifier; wherein, the idle counter information contains: counter identification and position information of the idle counter, teller identification corresponding to the idle counter and business handling information corresponding to the teller;
the first processing module is used for providing free counter information for a user, receiving a counter identifier selected by the user according to the free counter information, and sending the counter identifier selected by the user to the bank counter server so that the bank counter server can send a service processing instruction to a counter terminal corresponding to the counter identifier selected by the user, wherein the service processing instruction carries a bank service identifier, an identity identifier of the user and an equipment identifier of the ATM;
the second processing module is used for receiving the counter terminal corresponding to the counter identifier selected by the user and sending an operation instruction after receiving the service processing instruction;
the third processing module is used for providing the operation instruction for a user and sending operation information submitted by the user according to the operation instruction to the counter terminal corresponding to the counter identifier selected by the user; and the counter terminal corresponding to the counter mark selected by the user completes service handling for the user according to the operation information.
The embodiment of the invention also provides a banking business handling device based on the block chain, which is applied to the node of the block chain, wherein the node is a bank counter server and is used for improving the allocation efficiency of bank counter resources, reducing resource waste, improving the business handling efficiency of the bank counter, shortening the queuing time of users and improving user experience, and the device comprises:
the third receiving module is used for receiving an idle counter information acquisition request sent by the ATM;
the fourth processing module is used for determining an idle counter terminal capable of handling the banking business corresponding to the banking business identification from each node of the block chain according to the banking business identification and the user identity identification contained in the idle counter information acquisition request;
the free counter information generating module is used for generating free counter information according to counter identification, position information, teller identification and teller service handling information of a free counter terminal and sending the free counter information to the ATM;
the second sending module is used for determining the counter terminal selected by the user according to the counter identifier selected by the user after receiving the counter identifier selected by the user and sent by the ATM, and sending a service processing instruction to the counter terminal selected by the user; the business processing instruction carries a banking business identifier, an identity identifier of the user and an equipment identifier of the ATM; the counter terminal selected by the user sends an operation instruction to the ATM according to the service processing instruction, and the user sends operation information to the selected counter terminal by using the ATM according to the operation instruction;
and the fifth processing module is used for receiving the service processing information sent by the counter terminal selected by the user according to the operation information of the user and completing service handling for the user according to the service processing information.
The embodiment of the invention also provides computer equipment which comprises a memory, a processor and a computer program which is stored on the memory and can run on the processor, wherein the banking business handling method based on the block chain is realized when the processor executes the computer program.
An embodiment of the present invention further provides a computer-readable storage medium, where a computer program is stored, and when the computer program is executed by a processor, the banking transaction method based on a block chain is implemented.
An embodiment of the present invention further provides a computer program product, where the computer program product includes a computer program, and when executed by a processor, the computer program implements the banking business handling method based on the block chain.
In an embodiment of the invention, the ATM performs the following method: receiving a business handling request submitted by a user; the service handling request carries a banking service identifier and an identity identifier of the user; sending an idle counter information acquisition request to a bank counter server in the block chain according to the service handling request; the free counter information acquisition request carries the banking service identifier and the identity identifier of the user; the bank counter server and each counter terminal are respectively nodes in the block chain; receiving idle counter information sent by the bank counter server according to the banking business identifier; wherein, the idle counter information contains: counter identification and position information of the idle counter, teller identification corresponding to the idle counter and business handling information corresponding to the teller; providing free counter information for a user, receiving a counter identifier selected by the user according to the free counter information, and sending the counter identifier selected by the user to a bank counter server so that the bank counter server sends a service processing instruction to a counter terminal corresponding to the counter identifier selected by the user, wherein the service processing instruction carries a bank service identifier, an identity identifier of the user and an equipment identifier of the ATM; receiving an operation instruction sent by a counter terminal corresponding to the counter mark selected by the user after receiving the service processing instruction; providing the operation instruction for a user, and sending operation information submitted by the user according to the operation instruction to a counter terminal corresponding to the counter identifier selected by the user; and the counter terminal corresponding to the counter mark selected by the user completes service handling for the user according to the operation information. Therefore, the ATM can be connected with counter terminals of all bank outlets to help users to complete counter business on the ATM, and allocation of counter resources of all bank outlets is realized through the ATM, so that allocation efficiency of the bank counter resources is improved, resource waste is reduced, business handling efficiency of the bank counters is improved, queuing time of the users is shortened, and user experience is improved.
In addition, the bank counter server is used as a node of the block chain, and the following method is executed: receiving an idle counter information acquisition request sent by an ATM; according to the banking service identification and the user identity identification contained in the idle counter information acquisition request, determining an idle counter terminal capable of handling the banking service corresponding to the banking service identification from each node of the block chain; generating idle counter information according to counter identification, position information, teller identification and teller service handling information of an idle counter terminal, and sending the idle counter information to the ATM; after receiving the counter identification selected by the user and sent by the ATM, determining a counter terminal selected by the user according to the counter identification selected by the user, and sending a service processing instruction to the counter terminal selected by the user; the business processing instruction carries a banking business identifier, an identity identifier of the user and an equipment identifier of the ATM; the counter terminal selected by the user sends an operation instruction to the ATM according to the service processing instruction, and the user sends operation information to the selected counter terminal by using the ATM according to the operation instruction; and receiving service processing information sent by the counter terminal selected by the user according to the operation information of the user, and completing service handling for the user according to the service processing information. Therefore, the ATM can be connected with counter terminals of all bank outlets to help users to complete counter business on the ATM, and allocation of counter resources of all bank outlets is realized through the ATM, so that allocation efficiency of the bank counter resources is improved, resource waste is reduced, business handling efficiency of the bank counters is improved, queuing time of the users is shortened, and user experience is improved.
Drawings
In order to more clearly illustrate the embodiments of the present invention or the technical solutions in the prior art, the drawings used in the description of the embodiments or the prior art will be briefly described below, it is obvious that the drawings in the following description are only 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 a banking transaction method based on a block chain applied to an ATM according to an embodiment of the present invention;
FIG. 2 is a schematic diagram of a banking transaction apparatus based on a block chain according to an embodiment of the present invention;
fig. 3 is a flowchart of a banking transaction method based on a block chain applied to a bank counter server according to an embodiment of the present invention;
FIG. 4 is a schematic diagram of another banking transaction apparatus based on a blockchain provided in an embodiment of the present invention;
fig. 5 is an exemplary diagram of an overall implementation flow of a banking transaction method based on a blockchain according to 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.
According to the technical scheme, the data acquisition, storage, use, processing and the like meet relevant regulations of national laws and regulations.
The term "and/or" herein merely describes an associative relationship, meaning that three relationships may exist, e.g., a and/or B, may mean: a exists alone, A and B exist simultaneously, and B exists alone. In addition, the term "at least one" herein means any one of a plurality or any combination of at least two of a plurality, for example, including at least one of A, B, C, and may mean including any one or more elements selected from the group consisting of A, B and C.
In the description of the present specification, the terms "comprising," "including," "having," "containing," and the like are used in an open-ended fashion, i.e., to mean including but not limited to. Reference to the description of the terms "one embodiment," "a particular embodiment," "some embodiments," "for example," etc., means that a particular feature, structure, or characteristic described in connection with the embodiment or example is included in at least one embodiment or example of the application. In this specification, the schematic representations of the terms used above do not necessarily refer to the same embodiment or example. Furthermore, the particular features, structures, or characteristics described may be combined in any suitable manner in any one or more embodiments or examples. The sequence of steps involved in the embodiments is for illustrative purposes to illustrate the implementation of the present application, and the sequence of steps is not limited and can be adjusted as needed.
Research shows that some specific banking services need to be handled at a bank counter, but the user traffic of each bank outlet is different, so that counters of some bank outlets are idle, resources are wasted, counter resources of some bank outlets are in shortage, users need to wait in a queue for a long time, the handling efficiency of the banking counter services is low, the allocation efficiency of counter resources is low, services which can be handled by the counter of each bank outlet are different, the users cannot determine the correct bank outlet, and the user experience is poor.
In view of the above research, an embodiment of the present invention provides a block chain-based banking method applied to an ATM, as shown in fig. 1, including:
s101: receiving a business handling request submitted by a user; the service handling request carries a banking service identifier and an identity identifier of the user;
s102: sending an idle counter information acquisition request to a bank counter server in the block chain according to the service handling request; the free counter information acquisition request carries the banking service identifier and the identity identifier of the user; the bank counter server and each counter terminal are respectively nodes in the block chain;
s103: receiving idle counter information sent by the bank counter server according to the banking business identifier; wherein, the idle counter information contains: counter identification and position information of the idle counter, teller identification corresponding to the idle counter and business handling information corresponding to the teller;
s104: providing free counter information for a user, receiving a counter identifier selected by the user according to the free counter information, and sending the counter identifier selected by the user to a bank counter server so that the bank counter server sends a service processing instruction to a counter terminal corresponding to the counter identifier selected by the user, wherein the service processing instruction carries a bank service identifier, an identity identifier of the user and an equipment identifier of the ATM;
s105: receiving a counter terminal corresponding to the counter identifier selected by the user, and sending an operation instruction after receiving the service processing instruction;
s106: providing the operation instruction for a user, and sending operation information submitted by the user according to the operation instruction to a counter terminal corresponding to the counter identifier selected by the user; and the counter terminal corresponding to the counter mark selected by the user completes service handling for the user according to the operation information.
In an embodiment of the invention, the ATM performs the following method: receiving a business handling request submitted by a user; the service handling request carries a banking service identifier and an identity identifier of the user; sending an idle counter information acquisition request to a bank counter server in a block chain according to the service handling request; the free counter information acquisition request carries the banking service identifier and the identity identifier of the user; the bank counter server and each counter terminal are respectively nodes in the block chain; receiving idle counter information sent by the bank counter server according to the banking business identifier; wherein, the idle counter information contains: counter identification and position information of the idle counter, teller identification corresponding to the idle counter and business handling information corresponding to the teller; providing free counter information for a user, receiving a counter identifier selected by the user according to the free counter information, and sending the counter identifier selected by the user to a bank counter server so that the bank counter server sends a service processing instruction to a counter terminal corresponding to the counter identifier selected by the user, wherein the service processing instruction carries a bank service identifier, an identity identifier of the user and an equipment identifier of the ATM; receiving an operation instruction sent by a counter terminal corresponding to the counter mark selected by the user after receiving the service processing instruction; providing the operation instruction for a user, and sending operation information submitted by the user according to the operation instruction to a counter terminal corresponding to the counter identifier selected by the user; and the counter terminal corresponding to the counter mark selected by the user completes service handling for the user according to the operation information. Therefore, the ATM can be connected with the counter terminals of all the bank outlets, help a user complete the counter business on the ATM, and realize the allocation of the counter resources of all the bank outlets, thereby improving the allocation efficiency of the bank counter resources, reducing the resource waste, improving the business processing efficiency of the bank counter, shortening the queuing time of the user and improving the user experience.
The above banking method based on the block chain applied to the ATM will be described in detail below.
For the above S101, when the user needs to transact the banking business that needs to be transacted at the bank counter, the ATM may submit a business transaction request, where the business transaction request includes, for example, a banking business identifier of the banking business that the user needs to transact and an identity of the user.
In an embodiment of the present invention, receiving a service transaction request submitted by a user includes, for example: when the ATM detects that a user inserts a bank card, acquiring account information of the bank card; when a preset password corresponding to the account information of the bank card is consistent with the password input by the user, prompting the user to select a banking service identifier of the banking service to be handled; acquiring the identity of the user according to the account information; and determining the business handling request submitted by the user according to the banking business identifier and the identity identifier.
For the above S102 to S103, the bank counter server and each counter terminal are respectively accessed into the block chain as nodes in the block chain, and after receiving a service transaction request submitted by a user, the ATM sends an idle counter information acquisition request to the bank counter server in the block chain, and receives idle counter information sent by the bank counter server according to the idle counter information acquisition request.
The free counter information acquisition request carries a banking service identifier of banking services to be handled by a user and an identity identifier of the user; the free counter information includes, for example: the counter identification of at least one idle counter, and the position information, the teller identification and the business handling information of the corresponding teller corresponding to each idle counter.
In an embodiment of the present invention, the service transaction information of the teller includes, for example, at least one of the following: the method comprises the steps of processing service identification of the processed service of the teller, average processing time length and processing times corresponding to each processed service respectively, and evaluation information corresponding to each processed service of the teller.
For the above S104, after receiving the free counter information, the ATM provides the free counter information to the user, so that the user selects a free counter to handle banking services from the free counters according to the free counter information, and when receiving the counter identifier of the free counter selected by the user, the ATM sends the counter identifier selected by the user to the bank counter server, so that the bank counter server sends a service processing instruction to the counter terminal corresponding to the counter identifier selected by the user.
The service processing instruction carries a banking service identifier, an identity identifier of the user and an equipment identifier of the ATM.
Therefore, when a user arrives at a bank outlet, if the counter terminal of the bank outlet is occupied or the counter terminal of the bank outlet cannot handle corresponding services, the user can connect the counter terminals of other bank outlets through the ATM of the bank outlet to handle the services, the flexibility and the handling efficiency of banking services are improved, the queuing time of the user is reduced, and the user experience is improved.
For the above S105 to S106, when receiving a service processing instruction of the bank counter server, the corresponding counter terminal may generate a corresponding operation instruction based on the banking service identifier included in the service processing instruction and the identity identifier of the user, send the operation instruction to the ATM where the user submits the service processing request according to the device identifier of the ATM, receive the operation instruction sent by the counter terminal, provide the operation instruction to the user, the user performs an operation on the ATM according to the operation instruction to generate operation information, and the ATM sends the operation information of the user to the counter terminal, so that the counter terminal completes the service processing for the user according to the operation terminal.
The operation instruction is used to instruct the user to perform an operation when handling the corresponding service, and includes, for example: and instructing a user to input a related amount value, input a password, cooperatively acquire face information, cooperatively acquire fingerprint information, perform electronic signature and the like.
In an embodiment of the present invention, the operation instruction includes, for example: voice operation indication; providing the operation instruction to the user includes, for example: playing the voice industry operation instruction to the user through a connected earphone; and/or the operation instruction comprises: a text operation indication; providing the operation instruction to the user includes, for example: and displaying the text operation instruction on a graphical interactive interface of the ATM.
The operation information includes, for example, at least one of: the user submits the signature information through the signature information acquisition device of the ATM, the user identity card image acquired by the image acquisition device on the ATM, the human face image, the text information input by the user through the ATM and the like.
The embodiment of the invention also provides a banking business handling device based on the block chain, which is described in the following embodiment. Because the principle of solving the problem of the device is similar to the banking business handling method based on the block chain, the implementation of the device can refer to the implementation of the banking business handling method based on the block chain, and repeated parts are not described again.
As shown in fig. 2, a schematic diagram of a banking transaction apparatus based on a blockchain according to an embodiment of the present invention is applied to an ATM, and the apparatus includes:
a first receiving module 201, configured to receive a service transaction request submitted by a user; the service handling request carries a banking service identifier and an identity identifier of the user;
the first sending module 202 is configured to send an idle counter information acquisition request to a bank counter server in a block chain according to the service handling request; the free counter information acquisition request carries the banking service identifier and the identity identifier of the user; the bank counter server and each counter terminal are respectively nodes in the block chain;
the second receiving module 203 is used for receiving the idle counter information sent by the bank counter server according to the banking business identifier; wherein, the idle counter information contains: counter identification and position information of the idle counter, teller identification corresponding to the idle counter and business handling information corresponding to the teller;
the first processing module 204 is configured to provide free counter information for a user, receive a counter identifier selected by the user according to the free counter information, and send the counter identifier selected by the user to a bank counter server, so that the bank counter server sends a service processing instruction to a counter terminal corresponding to the counter identifier selected by the user, where the service processing instruction carries a bank service identifier, an identity identifier of the user, and an equipment identifier of the ATM;
a second processing module 205, configured to receive an operation instruction sent by the counter terminal corresponding to the counter identifier selected by the user after receiving the service processing instruction;
the third processing module 206 is configured to provide the operation instruction to a user, and send operation information submitted by the user according to the operation instruction to a counter terminal corresponding to the counter identifier selected by the user; and the counter terminal corresponding to the counter mark selected by the user completes service handling for the user according to the operation information.
In one possible embodiment, the teller transaction information includes at least one of the following: the method comprises the steps of processing service identification of the processed service of the teller, average processing time length and processing times corresponding to each processed service respectively, and evaluation information corresponding to each processed service of the teller.
In a possible implementation manner, the first receiving module is specifically configured to acquire account information of a bank card when it is detected that a user inserts the bank card; when a preset password corresponding to the account information of the bank card is consistent with the password input by the user, prompting the user to select a banking business identifier of the banking business to be handled; acquiring the identity of the user according to the account information; and determining the business handling request submitted by the user according to the banking business identifier and the identity identifier.
In one possible embodiment, the operation instruction includes: a voice operation instruction; the third processing module is specifically used for playing the voice industry operation instruction to the user through a connected earphone; and/or the operation instruction comprises: a text operation indication; and the third processing module is specifically used for displaying the text operation instruction on the graphical interactive interface of the ATM.
In one possible embodiment, the operation information includes at least one of the following: the user submits the signature information through the signature information acquisition device of the ATM, and the identity card image and the face image of the user are acquired by the image acquisition device on the ATM.
In addition, another embodiment of the present invention further provides a banking transaction processing method based on a blockchain, where the banking counter server is a node in the blockchain, and as shown in fig. 3, the method includes:
s301: receiving an idle counter information acquisition request sent by an ATM;
s302: according to the banking service identification and the user identity identification contained in the idle counter information acquisition request, determining an idle counter terminal capable of handling the banking service corresponding to the banking service identification from each node of the block chain;
s303: generating idle counter information according to counter identification, position information, teller identification and teller service handling information of an idle counter terminal, and sending the idle counter information to the ATM;
s304: after receiving the counter identification selected by the user and sent by the ATM, determining a counter terminal selected by the user according to the counter identification selected by the user, and sending a service processing instruction to the counter terminal selected by the user; the business processing instruction carries a banking business identifier, an identity identifier of the user and an equipment identifier of the ATM; the counter terminal selected by the user sends an operation instruction to the ATM according to the service processing instruction, and the user sends operation information to the selected counter terminal by using the ATM according to the operation instruction;
s305: and receiving service processing information sent by the counter terminal selected by the user according to the operation information of the user, and completing service handling for the user according to the service processing information.
In the embodiment of the invention, a bank counter server is used as a node of a block chain, and the following method is executed: receiving an idle counter information acquisition request sent by an ATM; according to the banking business identification and the identity identification of the user contained in the free counter information acquisition request, determining a free counter terminal capable of handling the banking business corresponding to the banking business identification from each node of the block chain; generating idle counter information according to counter identification, position information, teller identification and teller service handling information of an idle counter terminal, and sending the idle counter information to the ATM; after receiving the counter identification selected by the user and sent by the ATM, determining a counter terminal selected by the user according to the counter identification selected by the user, and sending a service processing instruction to the counter terminal selected by the user; the business processing instruction carries a banking business identifier, an identity identifier of the user and an equipment identifier of the ATM; the counter terminal selected by the user sends an operation instruction to the ATM according to the service processing instruction, and the user sends operation information to the selected counter terminal by using the ATM according to the operation instruction; and receiving service processing information sent by the counter terminal selected by the user according to the operation information of the user, and completing service handling for the user according to the service processing information. Therefore, the ATM can be connected with counter terminals of all bank outlets to help users to complete counter business on the ATM, and allocation of counter resources of all bank outlets is realized through the ATM, so that allocation efficiency of the bank counter resources is improved, resource waste is reduced, business handling efficiency of the bank counters is improved, queuing time of the users is shortened, and user experience is improved.
The banking business handling method based on the block chain applied to the bank counter server in the embodiment of the present invention is described in detail below.
In the step S301, the free counter information obtaining request is sent by the ATM to the bank counter server after the user submits a service handling request on the ATM, and the free counter information obtaining request carries a banking service identifier of the banking service to be handled by the user and an identity identifier of the user.
For the above S302, each bank counter terminal is also accessed into the block chain as a node of the block chain, and when receiving the idle counter information acquisition request, the bank counter server determines, from each node of the block chain, an idle counter terminal capable of handling the banking service corresponding to the banking service identifier according to the banking service identifier and the user identity identifier included in the idle counter information acquisition request.
Aiming at the S303-S304, the bank counter server sends the free counter information to the ATM, so that a user can obtain the free counter information through the ATM, a counter mark of a counter terminal which needs to handle business is selected according to the free counter information, the bank counter server receives the counter mark submitted by the user through the ATM, the counter terminal selected by the user is determined according to the counter mark submitted by the user, and a business processing instruction is sent to the counter terminal selected by the user; and the counter terminal selected by the user sends an operation instruction to the ATM according to the service processing instruction, and the user sends operation information to the selected counter terminal by using the ATM according to the operation instruction.
The service processing instruction carries a banking service identifier, the identity identifier of the user and the equipment identifier of the ATM.
In S305, the business process information is, for example, information that a response needs to be processed by the server during the banking process. Specifically, when the counter terminal handles the business for the user according to the operation information submitted by the user through the ATM, the counter terminal generates business processing information, then the business processing information is sent to the bank counter server, and the bank counter server receives the business processing information sent by the counter terminal and processes the business processing information so as to complete business handling for the user.
Illustratively, when the user performs a large amount of money transfer, the service processing information includes, for example: transfer party account information, payee account information, transfer amount, transfer verification information, and the like.
The embodiment of the invention also provides a banking business handling device based on the block chain, which is described in the following embodiment. Because the principle of solving the problems of the device is similar to the banking business handling method based on the block chain, the implementation of the device can refer to the implementation of the banking business handling method based on the block chain, and repeated parts are not described again.
As shown in fig. 4, a schematic diagram of another banking transaction apparatus based on a blockchain according to an embodiment of the present invention is applied to a bank counter server, where the bank counter server is a node in the blockchain, and the apparatus includes:
a third receiving module 401, configured to receive an idle counter information obtaining request sent by an ATM;
a fourth processing module 402, configured to determine, from each node of the block chain, an idle counter terminal capable of handling banking services corresponding to the banking service identifier according to the banking service identifier and the identity identifier of the user included in the idle counter information acquisition request;
the free counter information generating module 403 is configured to generate free counter information according to a counter identifier, position information, a teller identifier, and service handling information of a teller at a free counter terminal, and send the free counter information to the ATM;
a second sending module 404, configured to determine, after receiving the counter identifier selected by the user and sent by the ATM, a counter terminal selected by the user according to the counter identifier selected by the user, and send a service processing instruction to the counter terminal selected by the user; the business processing instruction carries a banking business identifier, an identity identifier of the user and an equipment identifier of the ATM; the counter terminal selected by the user sends an operation instruction to the ATM according to the service processing instruction, and the user sends operation information to the selected counter terminal by using the ATM according to the operation instruction;
a fifth processing module 405, configured to receive service processing information sent by the counter terminal selected by the user according to the operation information of the user, and complete service handling for the user according to the service processing information.
In addition, in order to better understand the banking transaction method based on the block chain according to the embodiment of the present invention, an overall implementation flow of the banking transaction method based on the block chain according to the embodiment of the present invention is illustrated in the following by taking fig. 5 as an example:
step 1: the ATM receives a business transaction request submitted by a user;
and 2, step: the ATM sends an idle counter information acquisition request to a bank counter server in the block chain according to the service handling request;
and step 3: the bank counter server determines an idle counter terminal capable of handling the banking business corresponding to the banking business identification from each node of the block chain according to the banking business identification and the identity identification of the user contained in the idle counter information acquisition request; generating idle counter information according to counter identification, position information, teller identification and teller service handling information of an idle counter terminal, and sending the idle counter information to the ATM;
and 4, step 4: the ATM receives the idle counter information sent by the bank counter server according to the banking service identification and provides the idle counter information for the user;
and 5: the ATM receives the counter identification selected by the user according to the free counter information;
step 6: the ATM sends the counter mark selected by the user to a bank counter server;
and 7: after receiving the counter identification selected by the user and sent by the ATM, the bank counter server determines a counter terminal selected by the user according to the counter identification selected by the user and sends a service processing instruction to the counter terminal selected by the user;
and 8: after receiving a business processing instruction sent by a bank counter server, the counter terminal sends an operation instruction to the ATM;
and step 9: the ATM receives an operation instruction sent by the counter terminal and provides the operation instruction for a user;
step 10: the ATM receives operation information submitted by the user according to the operation instruction;
step 11: the ATM sends the operation information to the counter terminal;
step 12: the bank counter terminal generates service processing information according to the operation information and sends the service processing information to the bank counter server;
step 13: and the bank counter server processes the service processing information to complete service handling.
The embodiment of the invention also provides computer equipment which comprises a memory, a processor and a computer program which is stored on the memory and can run on the processor, wherein the banking business handling method based on the block chain is realized when the processor executes the computer program.
The embodiment of the invention also provides a computer readable storage medium, which stores a computer program, and when the computer program is executed by a processor, the banking business handling method based on the block chain is realized.
An embodiment of the present invention further provides a computer program product, where the computer program product includes a computer program, and when executed by a processor, the computer program implements the banking business handling method based on the block chain.
In an embodiment of the invention, the ATM performs the following method: receiving a business handling request submitted by a user; the service handling request carries a banking service identifier and an identity identifier of the user; sending an idle counter information acquisition request to a bank counter server in the block chain according to the service handling request; the free counter information acquisition request carries the banking service identifier and the identity identifier of the user; the bank counter server and each counter terminal are respectively nodes in the block chain; receiving idle counter information sent by the bank counter server according to the banking business identifier; wherein, the idle counter information contains: counter identification and position information of the idle counter, teller identification corresponding to the idle counter and business handling information corresponding to the teller; providing free counter information for a user, receiving a counter identifier selected by the user according to the free counter information, and sending the counter identifier selected by the user to a bank counter server so that the bank counter server sends a service processing instruction to a counter terminal corresponding to the counter identifier selected by the user, wherein the service processing instruction carries a bank service identifier, an identity identifier of the user and an equipment identifier of the ATM; receiving an operation instruction sent by a counter terminal corresponding to the counter mark selected by the user after receiving the service processing instruction; providing the operation instruction for a user, and sending operation information submitted by the user according to the operation instruction to a counter terminal corresponding to the counter identifier selected by the user; and the counter terminal corresponding to the counter mark selected by the user completes service handling for the user according to the operation information. Therefore, the ATM can be connected with counter terminals of all bank outlets to help users to complete counter business on the ATM, and allocation of counter resources of all bank outlets is realized through the ATM, so that allocation efficiency of the bank counter resources is improved, resource waste is reduced, business handling efficiency of the bank counters is improved, queuing time of the users is shortened, and user experience is improved.
In addition, the bank counter server is used as a node of the block chain, and the following method is executed: receiving an idle counter information acquisition request sent by an ATM; according to the banking service identification and the user identity identification contained in the idle counter information acquisition request, determining an idle counter terminal capable of handling the banking service corresponding to the banking service identification from each node of the block chain; generating idle counter information according to counter identification, position information, teller identification and teller service handling information of an idle counter terminal, and sending the idle counter information to the ATM; after receiving the counter identification selected by the user and sent by the ATM, determining a counter terminal selected by the user according to the counter identification selected by the user, and sending a service processing instruction to the counter terminal selected by the user; the business processing instruction carries a banking business identifier, an identity identifier of the user and an equipment identifier of the ATM; the counter terminal selected by the user sends an operation instruction to the ATM according to the service processing instruction, and the user sends operation information to the selected counter terminal by using the ATM according to the operation instruction; and receiving service processing information sent by the counter terminal selected by the user according to the operation information of the user, and completing service handling for the user according to the service processing information. Therefore, the ATM can be connected with counter terminals of all bank outlets to help users to complete counter business on the ATM, and allocation of counter resources of all bank outlets is realized through the ATM, so that allocation efficiency of the bank counter resources is improved, resource waste is reduced, business handling efficiency of the bank counters is improved, queuing time of the users is shortened, and user experience is improved.
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 (13)

1. A banking transaction method based on a blockchain, the method being applied to an ATM, the method comprising:
receiving a business handling request submitted by a user; the service handling request carries a banking service identifier and an identity identifier of the user;
sending an idle counter information acquisition request to a bank counter server in the block chain according to the service handling request; the free counter information acquisition request carries the banking service identifier and the identity identifier of the user; the bank counter server and each counter terminal are respectively nodes in the block chain;
receiving idle counter information sent by the bank counter server according to the banking business identifier; wherein, the idle counter information contains: counter identification and position information of the idle counter, teller identification corresponding to the idle counter and business handling information corresponding to the teller;
providing free counter information for a user, receiving a counter identifier selected by the user according to the free counter information, and sending the counter identifier selected by the user to a bank counter server so that the bank counter server sends a service processing instruction to a counter terminal corresponding to the counter identifier selected by the user, wherein the service processing instruction carries a bank service identifier, an identity identifier of the user and an equipment identifier of the ATM;
receiving an operation instruction sent by a counter terminal corresponding to the counter mark selected by the user after receiving the service processing instruction;
providing the operation instruction for a user, and sending operation information submitted by the user according to the operation instruction to a counter terminal corresponding to the counter identifier selected by the user; and the counter terminal corresponding to the counter mark selected by the user completes service handling for the user according to the operation information.
2. The block chain based banking method of claim 1 wherein the teller's transaction information includes at least one of: the method comprises the steps of processing service identification of the processed service of the teller, average processing time length and processing times corresponding to each processed service respectively, and evaluation information corresponding to each processed service of the teller.
3. The banking transaction method based on the blockchain according to claim 1, wherein receiving a transaction request submitted by a user includes:
when detecting that a user inserts a bank card, acquiring account information of the bank card;
when a preset password corresponding to the account information of the bank card is consistent with the password input by the user, prompting the user to select a banking service identifier of the banking service to be handled;
acquiring the identity of the user according to the account information;
and determining the business handling request submitted by the user according to the banking business identifier and the identity identifier.
4. The method of banking transaction based on block chain of claim 1 wherein the operation instructions include: a voice operation instruction; providing the operation instruction to a user, comprising: playing the voice industry operation instruction to the user through a connected earphone;
and/or the operation instruction comprises: a text operation indication; providing the operation instruction to a user, comprising: and displaying the text operation instruction on a graphical interactive interface of the ATM.
5. The banking transaction method according to claim 1, wherein the operation information includes at least one of: the user submits the signature information through the signature information acquisition device of the ATM, and the identity card image and the face image of the user are acquired by the image acquisition device on the ATM.
6. A banking business handling method based on a block chain is characterized in that the banking business handling method is applied to a node of the block chain, the node is a bank counter server, and the method comprises the following steps:
receiving an idle counter information acquisition request sent by an ATM;
according to the banking service identification and the user identity identification contained in the idle counter information acquisition request, determining an idle counter terminal capable of handling the banking service corresponding to the banking service identification from each node of the block chain;
generating idle counter information according to counter identification, position information, teller identification and teller service handling information of an idle counter terminal, and sending the idle counter information to the ATM;
after receiving the counter identification selected by the user and sent by the ATM, determining a counter terminal selected by the user according to the counter identification selected by the user, and sending a service processing instruction to the counter terminal selected by the user; the business processing instruction carries a banking business identifier, an identity identifier of the user and an equipment identifier of the ATM; the counter terminal selected by the user sends an operation instruction to the ATM according to the service processing instruction, and the user sends operation information to the selected counter terminal by using the ATM according to the operation instruction;
and receiving the service processing information sent by the counter terminal selected by the user according to the operation information of the user, and completing service handling for the user according to the service processing information.
7. A banking transaction device based on a blockchain is applied to an ATM and comprises:
the first receiving module is used for receiving a business transaction request submitted by a user; the service handling request carries a banking service identifier and an identity identifier of the user;
the first sending module is used for sending an idle counter information acquisition request to a bank counter server in the block chain according to the service handling request; the free counter information acquisition request carries the banking service identifier and the identity identifier of the user; the bank counter server and each counter terminal are respectively nodes in the block chain;
the second receiving module is used for receiving the idle counter information sent by the bank counter server according to the banking business identifier; wherein, the idle counter information contains: counter identification and position information of the free counter, counter identification corresponding to the free counter and business handling information corresponding to the counter;
the first processing module is used for providing free counter information for a user, receiving a counter identifier selected by the user according to the free counter information, and sending the counter identifier selected by the user to the bank counter server so that the bank counter server can send a service processing instruction to a counter terminal corresponding to the counter identifier selected by the user, wherein the service processing instruction carries a bank service identifier, an identity identifier of the user and an equipment identifier of the ATM;
the second processing module is used for receiving the counter terminal corresponding to the counter identifier selected by the user and sending an operation instruction after receiving the service processing instruction;
the third processing module is used for providing the operation instruction for a user and sending operation information submitted by the user according to the operation instruction to the counter terminal corresponding to the counter identifier selected by the user; and the counter terminal corresponding to the counter mark selected by the user completes service handling for the user according to the operation information.
8. The device of claim 7, wherein the first receiving module is specifically configured to obtain account information of a bank card when detecting that a user inserts the bank card;
when a preset password corresponding to the account information of the bank card is consistent with the password input by the user, prompting the user to select a banking service identifier of the banking service to be handled;
acquiring the identity of the user according to the account information;
and determining the business handling request submitted by the user according to the banking business identifier and the identity identifier.
9. The blockchain-based banking apparatus according to claim 7 wherein the operation instructions include: a voice operation instruction; the third processing module is specifically used for playing the voice industry operation instruction to the user through a connected earphone;
and/or the operation instruction comprises: a text operation indication; and the third processing module is specifically used for displaying the text operation instruction on the graphical interactive interface of the ATM.
10. A banking transaction device based on a blockchain is characterized in that the banking transaction device is applied to a node of the blockchain, the node is a bank counter server, and the banking transaction device comprises:
the third receiving module is used for receiving an idle counter information acquisition request sent by the ATM;
the fourth processing module is used for determining an idle counter terminal capable of handling the banking business corresponding to the banking business identification from each node of the block chain according to the banking business identification and the user identity identification contained in the idle counter information acquisition request;
the free counter information generating module is used for generating free counter information according to the counter identification, the position information, the teller identification and the business handling information of the teller of the free counter terminal and sending the free counter information to the ATM;
the second sending module is used for determining the counter terminal selected by the user according to the counter identifier selected by the user after receiving the counter identifier selected by the user and sent by the ATM, and sending a service processing instruction to the counter terminal selected by the user; the business processing instruction carries a banking business identifier, an identity identifier of the user and an equipment identifier of the ATM; the counter terminal selected by the user sends an operation instruction to the ATM according to the service processing instruction, and the user sends operation information to the selected counter terminal by using the ATM according to the operation instruction;
and the fifth processing module is used for receiving the service processing information sent by the counter terminal selected by the user according to the operation information of the user and completing service handling for the user according to the service processing information.
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 method of any one of claims 1 to 6 when executing the computer program.
12. A computer-readable storage medium, characterized in that the computer-readable storage medium stores a computer program which, when executed by a processor, implements the method of any one of claims 1 to 6.
13. A computer program product, characterized in that the computer program product comprises a computer program which, when being executed by a processor, carries out the method of any one of claims 1 to 6.
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