WO2019134362A1 - 业务自助办理方法、装置、存储介质和智能设备 - Google Patents

业务自助办理方法、装置、存储介质和智能设备 Download PDF

Info

Publication number
WO2019134362A1
WO2019134362A1 PCT/CN2018/097500 CN2018097500W WO2019134362A1 WO 2019134362 A1 WO2019134362 A1 WO 2019134362A1 CN 2018097500 W CN2018097500 W CN 2018097500W WO 2019134362 A1 WO2019134362 A1 WO 2019134362A1
Authority
WO
WIPO (PCT)
Prior art keywords
information
user
type
user information
service
Prior art date
Application number
PCT/CN2018/097500
Other languages
English (en)
French (fr)
Inventor
郑映锋
钟浩清
Original Assignee
深圳壹账通智能科技有限公司
Priority date (The priority date is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the date listed.)
Filing date
Publication date
Application filed by 深圳壹账通智能科技有限公司 filed Critical 深圳壹账通智能科技有限公司
Publication of WO2019134362A1 publication Critical patent/WO2019134362A1/zh

Links

Images

Classifications

    • 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]
    • G07F19/207—Surveillance aspects at ATMs

Definitions

  • the present application relates to the field of information monitoring, and in particular, to a service self-service processing method, device, storage medium, and smart device.
  • the ATM machines used in the market are mostly used exclusively by a certain bank.
  • the existing ATM supports UnionPay card inter-bank transactions, it is charged a certain fee, and there are transactions between different banks. Data delays and other difficulties.
  • people handle financial business and some businesses need to go to the counter of the bank outlet, and can only handle the business of the bank to which the outlet belongs.
  • the embodiments of the present application provide a service self-service processing method, device, storage medium, and smart device, so as to solve the existing service processing method, which can only meet a small number of user requirements, and the transaction operation for cross-line and cross-regional transactions may cause more users.
  • the waste of time and money brings a lot of inconvenience to users, which leads to the problem of inefficient business processing.
  • the first aspect of the embodiment of the present application provides a service self-service processing method, including:
  • the service type to be processed is an account opening business, a list of the names of the accountable transaction institutions is displayed;
  • the transaction institution corresponding to the user information is connected to the background according to the user information.
  • a second aspect of the embodiments of the present application provides a service self-service device, including:
  • An information processing unit configured to receive user information input by a user, and determine a type of information of the user information
  • a service processing unit configured to acquire a service type to be processed by the user, and perform a service for the user based on the information type of the user information and the service type to be processed by the user;
  • a first service unit configured to display a list of name of the accountable transaction institution if the service type to be processed is an account opening business
  • a second service unit configured to connect, according to the user information, a transaction institution backend corresponding to the user information, if the service type to be processed by the user is a service other than an account opening service.
  • a third aspect of an embodiment of the present application provides a smart device including a memory and a processor, the memory storing computer readable instructions executable on the processor, the processor executing the computer readable The following steps are implemented when the instruction is executed:
  • the service type to be processed is an account opening service, displaying a list of the name of the accountable transaction institution according to the information type of the user information;
  • the transaction institution corresponding to the user information is connected to the background according to the user information.
  • a fourth aspect of the embodiments of the present application provides a computer readable storage medium storing computer readable instructions that, when executed by a processor, implement the following steps:
  • the service type to be processed is an account opening service, displaying a list of the name of the accountable transaction institution according to the information type of the user information;
  • the transaction institution corresponding to the user information is connected to the background according to the user information.
  • the information type of the user information is determined by receiving the user information input by the user, and the service type to be processed by the user is obtained, and if the service type to be processed is an account opening service, according to the user
  • the information type of the information displays a list of the names of the accountable transaction institutions. If the service type to be processed by the user is a service other than the account opening service, the user may connect to the background of the transaction institution corresponding to the user information according to the user information, and the user may Manage the business of multiple trading institutions across a line and across regions on a self-service terminal, avoiding the rush, saving time and money, and improving the efficiency of self-service processing.
  • FIG. 1 is a flowchart of implementing a service self-service processing method provided by an embodiment of the present application
  • FIG. 2 is a specific implementation flowchart of a service self-service processing method S101 provided by an embodiment of the present application
  • FIG. 3 is a specific implementation flowchart of a service self-service processing method A4 provided by an embodiment of the present application
  • FIG. 5 is a specific implementation flowchart of a service self-service processing method S105 according to an embodiment of the present application
  • FIG. 6 is a structural block diagram of a service self-service processing device provided by an embodiment of the present application.
  • FIG. 7 is a schematic diagram of a smart device provided by an embodiment of the present application.
  • FIG. 1 shows an implementation flow of a service self-service processing method provided by an embodiment of the present application, where the method flow includes steps S101 to S104.
  • the specific implementation principles of each step are as follows:
  • S101 Receive user information input by a user, and determine a type of information of the user information.
  • the user information input by the user is received, including identity information and subscription information. Determining, according to the user information, the type of the user information is a mobile phone number, an identity card number, or a transaction card number.
  • the user information may be manually input by the user through a numeric keypad, and a card such as an ID card or a transaction card may be placed in a designated area of the self-service terminal. The card at the designated area is identified by the kiosk. When the card is detected in the designated area of the kiosk, the detected card is scanned, the text information of the card is read and extracted, and the sequence of numbers in the text information is obtained.
  • the user is authenticated according to the user information, and it is verified whether the user is a reserved user.
  • the user can make an appointment by one of the mobile phone number, the ID number or the transaction card number.
  • the screen is lit waiting for the user to operate.
  • the user information input by the user is compared with the user information sent by the user in the self-service terminal when the user subscribes, and if the comparison is passed, the identity verification is passed.
  • the self-service terminal sends the subscription code to the smart terminal of the user, where the reservation code is a random number generated according to the address of the self-service terminal and the reservation time, and is unique, and Valid once.
  • the user inputs the reservation code while inputting the user information, thereby preventing the user information from being used by others to make a malicious reservation, thereby improving the security and effectiveness of the reservation.
  • the above S101 specifically includes:
  • A1 Receive user information input by the user.
  • A2 Perform text recognition based on the user information to obtain text information.
  • A3 Extract a sequence of numbers in the text information and determine the number of digits of the sequence of numbers.
  • A4 Determine, according to the number of digits and the preset digit information mapping table, a type of information corresponding to user information including the sequence of digits.
  • the information type corresponding to the user information of the digital sequence is determined according to the preset digit information mapping table and the digital sequence extracted from the user information.
  • the bit number information mapping table includes information types corresponding to the number of bits and the number of bits.
  • FIG. 3 shows a specific implementation process of the step A4 of the self-service self-service processing method provided by the embodiment of the present application, which is described in detail as follows:
  • a bit number information mapping table is pre-established, and the bit number information is compared with a mapping relationship between the number of digits of the digital sequence and the type of user information.
  • the information type of the user information including the digit sequence is a mobile phone number.
  • A43 If the number of digits of the digital sequence is a second number of digits, the type of information of the user information including the sequence of digits is a transaction card number.
  • A44 If the number of digits of the digital sequence is a third number of digits, calculate the digital sequence according to a preset algorithm, and determine, according to the calculation result, whether the information type of the user information including the digital sequence is a transaction card number or an identity. Certificate number.
  • the number of digits represents the number of digits present in the sequence of numbers.
  • the first number of digits corresponds to 11 bits
  • the second number of digits corresponds to 19 bits
  • the third number of digits corresponds to 18 bits.
  • the user information including the first digit number digit sequence corresponds to the mobile phone number
  • the user information including the second digit digit sequence is corresponding to the transaction card number
  • the user information including the third digit digit sequence corresponds to the preset algorithm. According to a preset algorithm, it may be determined whether the user information corresponding to the digital sequence of the third number of digits is a transaction card number or an identity card number.
  • an 11-digit digital sequence corresponds to a mobile phone number
  • a 13- to 17-digit and a 19-digit digital sequence correspond to a transaction card number
  • an 18-digit digital sequence corresponds to a preset algorithm.
  • the 11-digit digital sequence corresponds to the mobile phone number
  • the 13- to 17-digit and 19-digit digital sequences correspond to the transaction card number
  • the 18-digit digital sequence corresponds to the preset algorithm.
  • the digital sequence is calculated according to a preset algorithm, and according to the calculation result, it is determined whether the digital sequence corresponds to a transaction card number or an identity card number.
  • the third number of digits is specifically N bits, and N is a positive integer
  • the first N-1 bits of the digital sequence are calculated by using a preset algorithm, and the calculation result and the digital sequence are calculated.
  • the Nth bit is compared, and if they are the same, it is determined that the digital sequence is a transaction card number, that is, the digital sequence corresponding to the third number of digits is a transaction card number.
  • the third number of bits is specifically N bits, N is a positive integer, and the sequence of numbers is expressed as follows: x 1 x 2 x 3 ... x i ... x N , where i is a positive integer, x i Represents the number corresponding to the i-th bit in the sequence of numbers, and calculates the sequence of numbers as follows:
  • the digital sequence is a transaction card number. If they are not the same, the digital sequence is parsed to determine whether the digital sequence satisfies the ID number generation rule. If yes, it is determined that the information type of the user information corresponding to the digital sequence is an ID number.
  • the third number of bits is specifically N bits, N is a positive integer, and the first N-1 bits of the digital sequence are respectively multiplied by a specified coefficient.
  • the result of multiplying the 1 to N-1 bits by different specified coefficients is summed, and the summation result is divided by the specified divisor to obtain a remainder, and the number corresponding to the remainder is searched according to the remainder comparison table. And determining, according to the remainder comparison, that the corresponding number is the same as the corresponding Nth digit of the digital sequence corresponding to the third number of digits, determining that the digital sequence corresponding to the third digit is an ID number.
  • the specified coefficients respectively multiplied by the numbers on the bits in the digital sequence may be the same or different.
  • N is 18. Multiplying the first 17 digits of the digital sequence corresponding to the third number of digits by a specified coefficient, wherein the first digit is multiplied by 7; the second digit is multiplied by 9; the third digit is Multiply the number by 10; multiply the 4th digit by 5; multiply the 5th digit by 8; multiply the 6th digit by 4; multiply the 7th digit by 2; Multiply the number by 1; multiply the 9th digit by 6; multiply the 10th digit by 3; multiply the 11th digit by 7; multiply the 12th digit by 9; Multiply the number by 10; multiply the 14th digit by 5; multiply the 15th digit by 8; multiply the 16th digit by 4; multiply the 17th digit of the ID number by 2.
  • the last digit of the corresponding ID card is 1; if the remainder is 1, the corresponding last ID number is 0; if the remainder is 2, then the corresponding The last ID card number is X; if the remainder is 3, the corresponding last ID number is 9; if the remainder is 4, the corresponding last ID number is 8; if the remainder is 5 , the corresponding last ID number is 7; if the remainder is 6, the corresponding last ID number is 6; if the remainder is 7, the corresponding last ID number is 5; If the remainder is 8, the corresponding last ID number is 4; if the remainder is 9, the corresponding last ID number is 3; if the remainder is 10, the corresponding last ID card The number is 2. If it is found that the corresponding number is the same as the 18th digit in the digital sequence according to the remainder comparison, it is determined that the digital sequence corresponding to the third digit is an ID number.
  • the authenticity of the transaction card number or the ID number can be verified, thereby improving the efficiency of self-service processing.
  • the information type of the user information is a transaction card number
  • S102 Acquire a service type to be processed by the user.
  • the types of services to be processed by the user include an account opening service and other services other than the account opening business.
  • S103 If the service type to be processed is an account opening service, display a list of the name of the accountable transaction institution according to the information type of the user information.
  • the service is processed for the user based on the information type of the user information and the service type to be processed by the user.
  • the icon of the trading institution that can open the account is displayed for the user's reference, enters the account opening interface of the trading institution selected by the user, and receives the user profile information to handle the account opening business.
  • FIG. 4 shows a specific implementation process of the service self-service processing method S103 provided by the embodiment of the present application, which is described in detail as follows:
  • B2 Selecting, according to the source information, a regional transaction institution located in the source area from the preset group of trading institutions to perform recommendation display.
  • B4 Select, according to the attribution information, a transaction institution located at the attribution place from a preset group of transaction institutions to perform recommendation display.
  • the attribution information is obtained according to the mobile phone number of the user, or the source information is obtained according to the ID number of the user, and the account opening transaction institution is recommended for the user based on the source information or the attribution information, so that the user can conveniently open the account after opening the account. use.
  • S104 If the service type to be processed by the user is a service other than the account opening service, connect the back end of the transaction institution corresponding to the user information according to the user information.
  • the services other than the account opening business include modifying data, depositing and withdrawing transactions, and the like, and connecting the backend of the transaction institution corresponding to the user information according to the user information.
  • the self-service terminal supports multiple transaction mechanisms, and multiple card insertion ports are present.
  • the self-service terminal detects the transaction card, it determines that the transaction corresponding to the card insertion port of the transaction card is detected.
  • the organization group searches for the background of the transaction institution corresponding to the transaction card from the group of transaction institutions corresponding to the card insertion port according to the read transaction card information, so as to timely record or clear the transaction data in the business process of the user.
  • the transaction institution group corresponding to the transaction card is searched from the corresponding transaction institution group of the card insertion port, and the user inputs the modified transaction card.
  • the transaction institution corresponding to the transaction card directly obtains the modified binding information, thereby immediately updating the binding information of the transaction card.
  • S105 is further included after the step S103.
  • S105 When the user selects more than one trading institution to open an account, the information required for opening the transaction institution selected by the user is summarized, and the comprehensive account opening interface is entered, so that the user fills in the account opening information to open an account.
  • the above step S105 includes
  • C1 Obtain an organization code of each of the trading institutions selected by the user.
  • C2 Determine the type of information required to open an account for each trading institution based on the trading institution code
  • C3 Summarize the types of materials required by more than one transaction institution selected by the user, and integrate the types of materials that the user needs to open at least the account at the same time.
  • C5 after obtaining the information required for opening the account input by the user, according to the institution code of the transaction institution that the user selects to open the account, selecting the information required by each transaction institution from the obtained information required for the account opening, and respectively sending the information to each transaction The back office of the organization, in order to open the account in the background of each trading institution.
  • the self-service terminal pre-acquires the type of data required by each transaction institution from the back end of the self-service terminal supporting the transaction institution that simultaneously handles the account opening, and establishes a data comparison table according to the transaction institution code of the transaction institution and the type of data required for opening the account,
  • the comparison table is stored locally in the self-service terminal, and is backed up in the cloud smart device, so that when the user uses the self-service terminal to handle the opening of multiple transaction institutions at the same time, the self-service terminal can be locally queried at the same time, and at least the transaction institutions are required to open the account at least.
  • the data type and the data filling page are generated to speed up the processing.
  • the user needs to open accounts of three trading institutions of 1, B, and C at the same time, and the self-service terminal searches for the three trading institutions from the locally stored data comparison table according to the agency codes of the three trading institutions A, B, and C.
  • the type of account opening information required, for example, from the data comparison table the A transaction institution needs the ID card information and the account number of the account holder.
  • the B transaction institution needs the ID number, the account number and the contact address of the account holder, and the C transaction institution needs the ID card.
  • the number, the account number of the account holder, the emergency contact and the emergency contact mobile phone number, so that the minimum amount of data required for the user to open the account at the same time includes: ID card number, account number of the account holder, contact address, emergency contact And the emergency contact mobile phone number, according to the minimum information type required to open the account at the same time to fill in the interface for the user to fill in, and after obtaining the information filled out by the user, according to the data comparison table according to the three trading institutions A, B, C
  • the required data is sent to the backstage of the three trading institutions A, B and C.
  • the user is prompted to perform password setting.
  • the password may be uniformly set, or the password may be separately set in order.
  • the user avatar obtained by the camera of the self-service terminal is connected to the public security system or the cloud smart device according to the ID number in the information filled in the user to obtain the avatar corresponding to the ID card number; Matching the avatar obtained through the public security system or the cloud smart device with the user avatar obtained by the camera of the self-service terminal. If the similarity is higher than the specified threshold, the matching is considered successful, and the account holder is confirmed as the person, and then the user is prompted to perform the password. Settings. Improve the security of transactions by confirming that I open an account to prevent personally identifiable information from being stolen by others.
  • the human biometric feature such as a fingerprint
  • the cloud smart device such as a fingerprint
  • the smart customer service when the user has a problem that the transaction is abnormal or does not operate during the transaction process, the smart customer service is provided to answer.
  • the intelligent customer service includes a robot customer service that can answer preset common problems, and also includes remote manual customer service.
  • the user may have a transaction abnormality during the transaction process or may not operate the robot service or remote manual customer service to solve the problem.
  • the manual customer service is selected, the current operation interface is retrieved, and the operation interface is sent to the remote service center to receive the voice information sent by the remote service center, so that the user can receive the voice information of the manual customer of the remote service center to solve the abnormality, thereby successfully completing the operation.
  • Business processing is a process for solving the transaction process.
  • the user before the user handles the service, strict authentication is performed to improve the security of the transaction, and the user is allowed to operate the self-service terminal after the user completes the identity verification and passes the verification.
  • Receiving the user information input by the user determining the information type of the user information, obtaining the service type to be processed by the user, and processing the service for the user based on the information type of the user information and the service type to be processed by the user. If the service type to be processed is an account opening service, a list of the name of the accountable transaction institution is displayed. If the service type to be processed by the user is a service other than the account opening service, the user is connected according to the user information.
  • the back office of the trading institution corresponding to the information supports the user to handle the business of multiple trading institutions across a line and across regions on a self-service terminal, avoiding running around, saving time and money, and the user can complete the data at the same time. Opening accounts of a number of trading institutions to improve the efficiency of self-service processing.
  • FIG. 6 is a structural block diagram of the service self-service processing device provided by the embodiment of the present application. For the convenience of description, only the parts related to the embodiment of the present application are shown.
  • the service self-service processing device includes: an information processing unit 61, a service processing unit 62, a first service ticket 63, and a second service unit 64, where:
  • An information processing unit 61 configured to receive user information input by a user, and determine a type of information of the user information
  • the service processing unit 62 is configured to acquire a service type to be processed by the user, and perform a service for the user based on the information type of the user information and the service type to be processed by the user;
  • the first service unit 63 is configured to display, if the service type to be processed is an account opening service, a list of names of the accountable transaction institutions;
  • the second service unit 64 is configured to connect, according to the user information, a transaction institution backend corresponding to the user information, if the service type to be processed by the user is a service other than an account opening service.
  • the information processing unit 61 includes:
  • An information receiving module configured to receive user information input by a user
  • a text acquisition module configured to perform text recognition based on the user information, and obtain text information
  • bit number determining module for extracting a sequence of numbers in the text information and determining a number of digits of the sequence of digits
  • the information type determining module is configured to determine, according to the digit number of digits and the preset digit information mapping table, a type of information corresponding to the user information of the digital sequence.
  • the type determining module includes:
  • mapping table establishing submodule configured to pre-establish a bit number information mapping table, wherein the bit number information is compared with a mapping relationship between a digital number of digit sequences and a user information type;
  • a first mapping submodule configured to: if the number of digits of the digital sequence is the first number of digits, the information type of the user information including the digital sequence is a mobile phone number;
  • a second mapping submodule configured to: if the number of digits of the digit sequence is a second number of digits, the information type of the user information including the digit sequence is a transaction card number;
  • a third mapping submodule configured to: if the number of digits of the digital sequence is a third number of digits, calculate the digital sequence according to a preset algorithm, and determine, according to the calculation result, information of user information including the digital sequence
  • the type is the transaction card number or the ID number.
  • the third mapping submodule is specifically configured to:
  • the third number of bits is specifically N bits, N is a positive integer, and the sequence of numbers is expressed as follows: x 1 x 2 x 3 ... x i ... x N , where i is a positive integer and x i represents a sequence of numbers
  • the number corresponding to the i-th bit is calculated by the following formula:
  • the information type of the user information corresponding to the digital sequence is an ID number.
  • the first service unit 63 includes:
  • An information recommendation module configured to select, according to the information type of the user information, a transaction institution corresponding to the user information to perform recommendation display;
  • a first reading module configured to: if the information type of the user information is an ID number, read the source information of the user according to the ID number;
  • a first recommendation module configured to select, according to the source information, a regional transaction institution located at a source of origin from a preset group of transaction institutions to perform recommendation display;
  • a second reading module configured to read the attribution information of the mobile phone number if the user information is an information type of the mobile phone number
  • the second recommendation module is configured to select, according to the attribution information, a transaction institution located in the home location from a preset group of transaction institutions to perform recommendation display.
  • the service self-service processing device further includes:
  • the data integration unit is configured to: when the user selects more than one transaction institution to open an account, summarize the materials required for opening the account selected by the user, and enter the comprehensive account opening interface.
  • the data integration unit includes:
  • a code obtaining module configured to acquire an institution code of each of the trading institutions selected by the user
  • a data requirement determination module configured to determine, according to the transaction institution code, a type of information required for opening an account of each transaction institution
  • the data integration module is configured to summarize the types of data required by the user to select more than one transaction institution, and integrate the types of materials required by the user to open at least the account at the same time;
  • An account opening interface generating module is configured to generate a data filling page according to the integration result for the user to input the required information for opening an account;
  • the account opening processing module is configured to: after obtaining the information required for opening the account input by the user, selecting, according to the institution code of the transaction institution that the user selects to open the account, selecting the information required by each transaction institution from the obtained information required for opening the account, respectively Send to the back office of each trading institution, so that the opening of each trading institution can be opened in the background.
  • the information type of the user information is determined by receiving the user information input by the user, and the service type to be processed by the user is obtained, and if the service type to be processed is an account opening service, according to the user
  • the information type of the information displays a list of the names of the accountable transaction institutions. If the service type to be processed by the user is a service other than the account opening service, the user may connect to the background of the transaction institution corresponding to the user information according to the user information, and the user may Manage the business of multiple trading institutions across a line and across regions on a self-service terminal, avoiding the rush, saving time and money, and improving the efficiency of self-service processing.
  • FIG. 7 is a schematic diagram of a smart device according to an embodiment of the present application.
  • the smart device 7 of this embodiment includes a processor 70, a memory 71, and computer readable instructions 72 stored in the memory 71 and executable on the processor 70, such as business self-service program.
  • the processor 70 executes the computer readable instructions 72, the steps in the foregoing embodiments of the respective service self-service processing methods are implemented, such as steps 101 to 104 shown in FIG.
  • the processor 70 when executing the computer readable instructions 72, implements the functions of the various modules/units in the various apparatus embodiments described above, such as the functions of the modules 61-64 shown in FIG.
  • the computer readable instructions 72 may be partitioned into one or more modules/units that are stored in the memory 71 and executed by the processor 70, To complete this application.
  • the one or more modules/units may be a series of computer readable instruction instructions segments capable of performing a particular function, the instruction segments being used to describe the execution of the computer readable instructions 72 in the smart device 7.
  • the smart device 7 can be a self-service transaction terminal.
  • the smart device may include, but is not limited to, a processor 70, a memory 71. It will be understood by those skilled in the art that FIG. 7 is merely an example of the smart device 7, and does not constitute a limitation on the smart device 7, and may include more or less components than those illustrated, or combine some components, or different components.
  • the smart device may further include an input and output device, a network access device, a bus, and the like.
  • the processor 70 may be a central processing unit (CPU), or may be other general-purpose processors, a digital signal processor (DSP), an application specific integrated circuit (ASIC), Field-Programmable Gate Array (FPGA) or other programmable logic device, discrete gate or transistor logic device, discrete hardware components, etc.
  • the general purpose processor may be a microprocessor or the processor or any conventional processor or the like.
  • the memory 71 may be an internal storage unit of the smart device 7, such as a hard disk or memory of the smart device 7.
  • the memory 71 may also be an external storage device of the smart device 7, for example, a plug-in hard disk equipped on the smart device 7, a smart memory card (SMC), and a secure digital (SD). Card, flash card, etc. Further, the memory 71 may also include both an internal storage unit of the smart device 7 and an external storage device.
  • the memory 71 is configured to store the computer readable instructions and other programs and data required by the smart device.
  • the memory 71 can also be used to temporarily store data that has been output or is about to be output.
  • the functional units in the various embodiments of the present application may be integrated into one processing unit, or each unit may exist physically separately, or two or more units may be integrated into one unit.
  • the above integrated unit can be implemented in the form of hardware or in the form of a software functional unit.

Landscapes

  • Business, Economics & Management (AREA)
  • Accounting & Taxation (AREA)
  • Finance (AREA)
  • Physics & Mathematics (AREA)
  • General Physics & Mathematics (AREA)
  • Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)
  • Management, Administration, Business Operations System, And Electronic Commerce (AREA)

Abstract

公开了一种业务自助办理方法、装置、存储介质和智能设备，包括：接收用户输入的用户信息，确定用户信息的信息类型（S101）；获取用户待办理的业务类型（S102）；若待办理的业务类型为开户业务，则根据用户信息的信息类型显示可开户交易机构名称的列表（S103）；若用户待办理的业务类型为除开户业务以外的其他业务，则根据用户信息连接用户信息对应的交易机构后台（S104）。该技术方案支持用户在一台自助服务终端上跨行、跨地域的办理多家交易机构的业务，避免多地奔波，节省时间和金钱。

Description

业务自助办理方法、装置、存储介质和智能设备
本申请要求于2018年01月02日提交中国专利局、申请号为CN 201810001734.X、发明名称为“业务自助办理方法、存储介质和智能设备”的中国专利申请的优先权，其全部内容通过引用结合在本申请中。
技术领域
本申请涉及信息监控领域，尤其涉及一种业务自助办理方法、装置、存储介质和智能设备。
背景技术
目前市场上所使用的ATM机多为某一个银行专属使用的，一方面，虽然现有的ATM支持银联卡跨行交易，但需收取一定的手续费，并且不同银行之间进行交易、转账时存在数据延迟等不同程度的麻烦。另一方面，目前人们办理金融业务，部分业务需要去到银行网点柜台办理，且只能办理该网点所属银行的业务。
综上所述，现有业务办理方法只能满足少量的用户需求，对于跨行和跨地域性的交易操作会造成用户更多的时间和金钱浪费，给用户们带来诸多不便，从而导致业务办理效率不高的问题。
技术问题
本申请实施例提供了一种业务自助办理方法、装置、存储介质和智能设备，以解决现有业务办理方法只能满足少量的用户需求，对于跨行和跨地域性的交易操作会造成用户更多的时间和金钱浪费，给用户们带来诸多不便，从而导致业务办理效率不高的问题。
技术解决方案
本申请实施例的第一方面提供了一种业务自助办理方法，包括：
接收用户输入的用户信息，确定所述用户信息的信息类型；
获取所述用户待办理的业务类型，基于所述用户信息的信息类型与所述用户待办理的业务类型，为用户办理业务；
若所述待办理的业务类型为开户业务，则显示可开户交易机构名称的列表；
若所述用户待办理的业务类型为除开户业务以外的其他业务，则根据所述用户信息连接所述用户信息对应的交易机构后台。
本申请实施例的第二方面提供了一种业务自助办理装置，包括：
信息处理单元，用于接收用户输入的用户信息，确定所述用户信息的信息类型；
业务处理单元，用于获取所述用户待办理的业务类型，基于所述用户信息的信息类型与所述用户待办理的业务类型，为用户办理业务；
第一业务单元，用于若所述待办理的业务类型为开户业务，则显示可开户交易机构名称的列表；
第二业务单元，用于若所述用户待办理的业务类型为除开户业务以外的其他业务，则根据所述用户信息连接所述用户信息对应的交易机构后台。
本申请实施例的第三方面提供了一种智能设备，包括存储器以及处理器，所述存储器存储有可在所述处理器上运行的计算机可读指令，所述处理器执行所述计算机可读指令时实现如下步骤：
接收用户输入的用户信息，确定所述用户信息的信息类型；
获取所述用户待办理的业务类型；
若所述待办理的业务类型为开户业务，则根据所述用户信息的信息类型显示可开户交易机构名称的列表；
若所述用户待办理的业务类型为除开户业务以外的其他业务，则根据所述用户信息连接所述用户信息对应的交易机构后台。
本申请实施例的第四方面提供了一种计算机可读存储介质，所述计算机可读存储介质存储有计算机可读指令，所述计算机可读指令被处理器执行时实现如下步骤：
接收用户输入的用户信息，确定所述用户信息的信息类型；
获取所述用户待办理的业务类型；
若所述待办理的业务类型为开户业务，则根据所述用户信息的信息类型显示可开户交易机构名称的列表；
若所述用户待办理的业务类型为除开户业务以外的其他业务，则根据所述用户信息连接所述用户信息对应的交易机构后台。
有益效果
本申请实施例中，通过接收用户输入的用户信息，确定所述用户信息的信息类型，获取所述用户待办理的业务类型，若所述待办理的业务类型为开户业务，则根据所述用户信息的信息类型显示可开户交易机构名称的列表，若所述用户待办理的业务类型为除开户业务以外的其他业务，则根据所述用户信息连接所述用户信息对应的交易机构后台，用户可以在一台自助服务终端上跨行、跨地域的办理多家交易机构的业务，避免多地奔波，节省时间和金钱，同时提高自助服务办理的效率。
附图说明
图1是本申请实施例提供的业务自助办理方法的实现流程图；
图2是本申请实施例提供的业务自助办理方法S101的具体实现流程图；
图3是本申请实施例提供的业务自助办理方法A4的具体实现流程图；
图4是本申请实施例提供的业务自助办理方法S103的具体实现流程图；
图5是本申请实施例提供的业务自助办理方法S105的具体实现流程图；
图6是本申请实施例提供的业务自助办理装置的结构框图；
图7是本申请实施例提供的智能设备的示意图。
本发明的实施方式
实施例1
图1示出了本申请实施例提供的业务自助办理方法的实现流程，该方法流程包括步骤S101至S104。各步骤的具体实现原理如下：
S101：接收用户输入的用户信息，确定所述用户信息的信息类型。
在本申请实施例中，接收用户输入的用户信息包括身份信息和预约信息。根据所述用户信息确定所述用户信息的类型为手机号、身份证号还是交易卡号。可选地，用户信息可由用户通过数字键盘手动输入，还可以将身份证或者交易卡等卡片置于自助服务终端的指定区域。由自助服务终端对指定区域处的卡片进行识别。当自助服务终端的指定区域检测到卡片时，对检测到的卡片进行扫描，读取并提取出卡片的文本信息，进而获取所述文本信息中的数字序列。
进一步地，在接收用户输入的用户信息之后，根据所述用户信息对用户进行身份验证，验证所述用户是否为预约用户。用户事先通过智能终端如手机、电脑在网络上预约时发送的信息，包括自助服务终端的地址、预约时间。用户可通过手机号、身份证号或者交易卡号三者之一进行预约。当用户的身份验证通过之后，点亮屏幕等待用户操作。具体地，将用户输入的用户信息与自助服务终端中的用户预约时发送的用户信息进行比对，若比对通过，则身份验证通过。
可选地，用户通过智能终端在网络上预约成功后，自助服务终端发送预约码至用户的智能终端，该预约码为根据自助服务终端的地址、预约时间生成的随机数，具有唯一性，且一次有效。用户在输入用户信息的同时输入预约码，从而避免用户信息被他人使用恶意预约，提高预约的安全性与有效性。
作为本申请的一个实施例，如图2所示，上述S101具体包括：
A1：接收用户输入的用户信息。
A2：基于所述用户信息进行文本识别，获取文本信息。
A3：提取文本信息中的数字序列，并确定所述数字序列的数字位数。
A4：根据所述数字位数以及预设的位数信息映射表，确定包含所述数字序列的用户信息对应的信息类型。
在本申请实施例中，根据预设的位数信息映射表与从用户信息中提取的数字序列，确 定包含所述数字序列的用户信息对应的信息类型。其中，所述位数信息映射表中包括位数与位数对应的信息类型。
具体地，作为本申请的一个实施例，图3示出了本申请实施例提供的业务自助办理方法步骤A4的具体实现流程，详述如下：
A41：预先建立位数信息映射表，所述位数信息对照表中存有数字序列的数字位数与用户信息类型的映射关系。
A42：若所述数字序列的数字位数为第一数量位数，则包含所述数字序列的用户信息的信息类型为手机号。
A43：若所述数字序列的数字位数为第二数量位数，则包含所述数字序列的用户信息的信息类型为交易卡号。
A44：若所述数字序列的数字位数为第三数量位数，根据预设算法对所述数字序列进行计算，根据计算结果确定包含所述数字序列的用户信息的信息类型是交易卡号还是身份证号。
其中，数量位数表示数字序列中存在的数字的个数。例如，第一数量位数对应11位，第二数量位数对应19位，第三数量位数对应18位。示例性地，包含第一数量位数数字序列的用户信息对应手机号，包含第二数量位数数字序列的用户信息对应交易卡号，包含第三数量位数数字序列的用户信息对应预设算法，根据预设算法可确定所述第三数量位数的数字序列对应的用户信息为交易卡号还是身份证号码。例如，11位的数字序列对应手机号，13至17位以及19位的数字序列对应交易卡号，18位的数字序列对应预设算法。11位的数字序列对应手机号，13至17位以及19位的数字序列对应交易卡号，18位的数字序列对应预设算法。当所述数字序列的数据位数为18位时，根据预设算法对所述数字序列进行计算，根据计算结果确定所述数字序列对应的是交易卡号还是身份证号码。
在本申请实施例中，若所述第三数量位数具体为N位，N为正整数，则将所述数字序列的前N-1位采用预设算法进行计算，将计算结果与数字序列的第N位进行比较，若相同，则判定所述数字序列为交易卡号，即所述第三数量位数对应的数字序列为交易卡号。
具体地，所述第三数量位数具体为N位，N为正整数，将所述数字序列表示如下：x 1x 2x 3…x i…x N，其中，i为正整数，x i表示数字序列中第i位对应的数字，按如下公式对所述数字序列进行计算：
Figure PCTCN2018097500-appb-000001
若根据上述公式计算得到的Q的值与所述数字序列中第N位对应的数字x N相同，则判 定所述数字序列为交易卡号。若不相同，则对所述数字序列进行解析，判断所述数字序列是否满足身份证号生成规则。若满足，则判定所述数字序列对应的用户信息的信息类型为身份证号。
进一步的，若所述第三数量位数具体为N位，N为正整数，将所述数字序列的前N-1位分别与指定系数相乘。将1～N-1位与不同指定系数分别相乘的结果求和，再将求和结果除以指定除数得到余数，根据余数对照表查找上述余数对应的数字。若根据余数对照查找到上述对应的数字与所述第三数量位数对应的数字序列的对应的第N位数字相同，则判定所述第三数量位数对应的数字序列为身份证号。需说明的是，在本实施例中，分别与数字序列中各位上的数相乘的指定系数可能相同，也可能不同。
示例性地，N为18。将所述第三数量位数对应的数字序列的前17位数字分别与指定系数相乘，其中，将第1位数字与7相乘；将第2位数字与9相乘；将第3位数字与10相乘；将第4位数字与5相乘；将第5位数字与8相乘；将第6位数字与4相乘；将第7位数字与2相乘；将第8位数字与1相乘；将第9位数字与6相乘；将第10位数字与3相乘；将第11位数字与7相乘；将第12位数字与9相乘；将第13位数字与10相乘；将第14位数字与5相乘；将第15位数字与8相乘；将第16位数字与4相乘；将身份证号码的第17位数字与2相乘。将上述1～17位与不同系数分别相乘的结果求和，求和结果除以11，从而出现余数为0，余数为1，余数为2，余数为3，余数为4，余数为5，余数为6，余数为7，余数为8，余数为9，余数为10共11种可能性。最后，根据余数对照表查找上述余数对应的数字。在余数对照表中，如果余数为0，那对应的身份证最后一位的号码为1；如果余数为1，那对应的最后一位身份证的号码为0；如果余数为2，那对应的最后一位身份证的号码为X；如果余数为3，那对应的最后一位身份证的号码为9；如果余数为4，那对应的最后一位身份证的号码为8；如果余数为5，那对应的最后一位身份证的号码为7；如果余数为6，那对应的最后一位身份证的号码为6；如果余数为7，那对应的最后一位身份证的号码为5；如果余数为8，那对应的最后一位身份证的号码为4；如果余数为9，那对应的最后一位身份证的号码为3；如果余数为10，那对应的最后一位身份证的号码为2。若根据余数对照查找到上述对应的数字与数字序列中的第18位数字相同，则判定所述第三数量位数对应的数字序列为身份证号。
本申请实时中，在确定用户信息的信息类型是为交易卡号还是身份证号的同时，还能对交易卡号或身份证号的真伪进行验证，从而可提高自助服务办理的效率。
可选地，当所述用户信息的信息类型为交易卡号时，判断所述交易卡号的发卡交易机构是否属于预设的交易机构群组，其中，预设的交易机构群组包括支持用户联合办理业务的交易机构。
S102：获取所述用户待办理的业务类型。
其中，所述用户待办理的业务类型包括开户业务和为除开户业务以外的其他业务。
S103：若所述待办理的业务类型为开户业务，则根据所述用户信息的信息类型显示可开户交易机构名称的列表。
在本申请实施例中，基于所述用户信息的信息类型与所述用户待办理的业务类型，为用户办理业务。当用户输入开户指令时，显示可办理开户的交易机构图标供用户参考，进入用户选择的交易机构的开户界面，接收用户资料信息办理开户业务。
作为本申请的一个实施例，图4示出了本申请实施例提供的业务自助办理方法S103的具体实现流程，详述如下：
B1：若所述用户信息的信息类型为身份证号，则根据所述身份证号读取所述用户的生源地信息。
B2：基于所述生源地信息，从预设的交易机构群组中选择位于生源地的地区交易机构进行推荐显示。
B3：若所述用户信息的信息类型为手机号，则读取所述手机号的归属地信息。
B4：基于所述归属地信息，从预设的交易机构群组中选择位于所述归属地的交易机构进行推荐显示。
在本申请实施例中，根据用户的手机号获取归属地信息，或者根据用户的身份证号获取生源地信息，进而基于生源地信息或归属地信息为用户推荐开户交易机构，以便用户开户后方便使用。
S104：若所述用户待办理的业务类型为除开户业务以外的其他业务，则根据所述用户信息连接所述用户信息对应的交易机构后台。
在本申请实施例中，除开户业务以外的其他业务包括修改资料、存取款交易等，根据所述用户信息连接所述用户信息对应的交易机构后台。
可选地，在本申请实施例中，自助服务终端为支持不同交易机构，存在多个插卡口，当自助服务终端的检测到交易卡片时，判断检测到交易卡片的插卡口对应的交易机构群组，根据读取的交易卡片信息，从插卡口对应的交易机构群组中查找该交易卡片对应的交易机构后台，以便及时对用户办理业务过程中的交易数据进行记录或清算。示例性地，当用户要修改交易卡片绑定信息时，根据交易卡片插入的插卡口，从插卡口对应的交易机构群组中查找该交易卡片对应的交易机构后台，用户输入修改交易卡片绑定信息时，该交易卡片对应的交易机构后台直接获取修改的绑定信息，从而立即更新该交易卡片的绑定信息。
作为本申请的一个实施例，在所述步骤S103之后还包括S105。
S105：当所述用户选择不止一个交易机构进行开户时，对所述用户选择的交易机构开 户所需的资料汇总，进入综合开户界面，以便用户填写开户信息办理开户。
作为本申请的一个实施例，如图5所示，上述步骤S105包括
C1：获取所述用户选择的交易机构中每一个交易机构的机构代码。
C2：根据交易机构代码确定每一个交易机构开户所需资料的类型
C3：将所述用户选择的不止一个交易机构分别所需资料的类型进行汇总，整合出用户同时办理开户至少所需的资料的类型。
C4：根据整合结果生成资料填写页面供用户输入开户所需资料。
C5：在获取所述用户输入的开户所需资料之后，根据所述用户选择开户的交易机构的机构代码，从获取的开户所需资料中选取各个交易机构所需的资料，分别发送至各个交易机构的后台，以便各个交易机构的后台办理开户。
进一步地，自助服务终端预先从自助服务终端支持同时办理开户的交易机构的后台获取各个交易机构所需的资料类型，并根据交易机构的交易机构代码与开户所需资料类型建立资料对照表，将所述对照表存储在自助服务终端本地，备份在云智能设备，以便在用户使用自助服务终端同时办理多个交易机构开户时可从自助服务终端本地查询同时办理这多个交易机构开户至少需要的资料类型并生成资料填写页面，从而加快办理速度。
示例性地，用户需要同时办理1、B、C三个交易机构的开户，自助服务终端根据A、B、C三个交易机构的机构代码从本地存储的资料对照表中查找这三个交易机构所需的开户资料类型，例如，从资料对照表得知A交易机构需要身份证信息与开户人手机号，B交易机构需要身份证号码、开户人手机号与联系地址，C交易机构需要身份证号码、开户人手机号、紧急联系人及紧急联系人手机号，从而统计可知用户此次同时办理开户所需的最少的资料类型包括：身份证号码、开户人手机号、联系地址、紧急联系人及紧急联系人手机号，根据同时办理开户所需的最少的资料类型生成的资料填写界面供用户填写，并在获取用户填写的这些资料后按资料对照表按照A、B、C三个交易机构分别所需的资料发送至A、B、C三个交易机构的后台保存。
可选地，根据用户填写的资料，在判断资料满足开户需求后，提示用户进行密码设置，当用户同时办理多家交易机构的开户时，可统一设置密码，或者，按顺序分别设置密码。
可选地，在提示用户进行秘密设置之前，通过自助服务终端的摄像头获取的用户头像，根据用户填写的资料中的身份证号码连接公安系统或云智能设备获取所述身份证号码对应的头像；将通过公安系统或云智能设备获取的头像与通过自助服务终端的摄像头获取的用户头像进行匹配比对，若相似度高于指定阈值，则认为匹配成功，确认开户人为本人，进而提示用户进行密码设置。通过确认本人开户避免个人身份信息被他人盗取利用，提高交易的安全性。优选地，获取用户的人体生物特征(如指纹)与云智能设备存储的用户身份 证号对应的人体生物特征比对(如指纹)，判断开户用户是否为本人。
可选地，在本申请实施例中，当用户在交易过程中出现交易异常或者不会操作等问题时，提供智能客服进行解答。其中，智能客服包括可以解答预设常见问题的机器人客服，还包括远程人工客服。
具体地，用户在交易过程中出现交易异常或者不会操作可选择机器人客服或者远程人工客服协助解决问题。当选择了人工客服时，调取当前操作界面，将该操作界面发送至远程服务中心，接收远程服务中心发送的语音信息，以便用户接收远程服务中心的人工客户的语音信息解决异常，从而顺利完成业务办理。
本申请实施例中，用户办理业务之前，进行严格的身份验证，提高交易的安全性，在用户完成身份验证并通过之验证之后，才允许用户对自助服务终端进行操作。通过接收用户输入的用户信息，确定所述用户信息的信息类型，获取所述用户待办理的业务类型，基于所述用户信息的信息类型与所述用户待办理的业务类型，为用户办理业务，若所述待办理的业务类型为开户业务，则显示可开户交易机构名称的列表，若所述用户待办理的业务类型为除开户业务以外的其他业务，则根据所述用户信息连接所述用户信息对应的交易机构后台，支持用户在一台自助服务终端上跨行、跨地域的办理多家交易机构的业务，避免多地奔波，节省时间和金钱，并且用户只需输入一次资料便可同时完成多家交易机构的开户，提高自助服务办理的效率。
应理解，上述实施例中各步骤的序号的大小并不意味着执行顺序的先后，各过程的执行顺序应以其功能和内在逻辑确定，而不应对本申请实施例的实施过程构成任何限定。
实施例2
对应于上文实施例所述的业务自助办理方法，图6示出了本申请实施例提供的业务自助办理装置的结构框图，为了便于说明，仅示出了与本申请实施例相关的部分。
参照图6，该业务自助办理装置包括：信息处理单元61、业务处理单元62、第一业务单63、第二业务单元64，其中：
信息处理单元61，用于接收用户输入的用户信息，确定所述用户信息的信息类型；
业务处理单元62，用于获取所述用户待办理的业务类型，基于所述用户信息的信息类型与所述用户待办理的业务类型，为用户办理业务；
第一业务单元63，用于若所述待办理的业务类型为开户业务，则显示可开户交易机构名称的列表；
第二业务单元64，用于若所述用户待办理的业务类型为除开户业务以外的其他业务，则根据所述用户信息连接所述用户信息对应的交易机构后台。
可选地，所述信息处理单元61包括：
信息接收模块，用于接收用户输入的用户信息；
文本获取模块，用于基于所述用户信息进行文本识别，获取文本信息；
位数确定模块，用于提取文本信息中的数字序列，并确定所述数字序列的数字位数；
信息类型确定模块，用于根据所述数字位数以及预设的位数信息映射表，确定包含所述数字序列的用户信息对应的信息类型。
可选地，所述类型确定模块包括：
映射表建立子模块，用于预先建立位数信息映射表，所述位数信息对照表中存有数字序列的数字位数与用户信息类型的映射关系；
第一映射子模块，用于若所述数字序列的数字位数为第一数量位数，则包含所述数字序列的用户信息的信息类型为手机号；
第二映射子模块，用于若所述数字序列的数字位数为第二数量位数，则包含所述数字序列的用户信息的信息类型为交易卡号；
第三映射子模块，用于若所述数字序列的数字位数为第三数量位数，根据预设算法对所述数字序列进行计算，根据计算结果确定包含所述数字序列的用户信息的信息类型是交易卡号还是身份证号。
可选地，所述第三映射子模块具体用于：
所述第三数量位数具体为N位，N为正整数，将所述数字序列表示如下：x 1x 2x 3…x i…x N，其中，i为正整数，x i表示数字序列中第i位对应的数字，按如下公式对所述数字序列进行计算：
Figure PCTCN2018097500-appb-000002
若根据上述公式计算得到的Q的值与所述数字序列中第N位对应的数字x N相同，则判定所述数字序列为交易卡号；
若不相同，则对所述数字序列进行解析，判断所述数字序列是否满足身份证号生成规则；
若满足，则判定所述数字序列对应的用户信息的信息类型为身份证号。
可选地，所述第一业务单元63包括：
信息推荐模块，用于根据所述用户信息的信息类型，选择与所述用户信息对应的交易机构进行推荐显示；
第一读取模块，用于若所述用户信息的信息类型为身份证号，则根据所述身份证号读取所述用户的生源地信息；
第一推荐模块，用于基于所述生源地信息，从预设的交易机构群组中选择位于生源地的地区交易机构进行推荐显示；
第二读取模块，用于若所述用户信息为手机号的信息类型，则读取所述手机号的归属地信息；
第二推荐模块，用于基于所述归属地信息，从预设的交易机构群组中选择位于所述归属地的交易机构进行推荐显示。
可选地，如图7所示，所述业务自助办理装置还包括：
资料整合单元，用于当所述用户选择不止一个交易机构进行开户时，对所述用户选择的交易机构开户所需的资料汇总，进入综合开户界面。
可选地，所述资料整合单元包括：
代码获取模块，用于获取所述用户选择的交易机构中每一个交易机构的机构代码；
资料需求确定模块，用于根据交易机构代码确定每一个交易机构开户所需资料的类型；
资料整合模块，用于将所述用户选择的不止一个交易机构分别所需资料的类型进行汇总，整合出用户同时办理开户至少所需的资料的类型；
开户界面生成模块，用于根据整合结果生成资料填写页面供用户输入开户所需资料；
开户办理模块，用于在获取所述用户输入的开户所需资料之后，根据所述用户选择开户的交易机构的机构代码，从获取的开户所需资料中选取各个交易机构所需的资料，分别发送至各个交易机构的后台，以便各个交易机构的后台办理开户。
本申请实施例中，通过接收用户输入的用户信息，确定所述用户信息的信息类型，获取所述用户待办理的业务类型，若所述待办理的业务类型为开户业务，则根据所述用户信息的信息类型显示可开户交易机构名称的列表，若所述用户待办理的业务类型为除开户业务以外的其他业务，则根据所述用户信息连接所述用户信息对应的交易机构后台，用户可以在一台自助服务终端上跨行、跨地域的办理多家交易机构的业务，避免多地奔波，节省时间和金钱，同时提高自助服务办理的效率。
实施例3
图7是本申请一实施例提供的智能设备的示意图。如图7所示，该实施例的智能设备7包括：处理器70、存储器71以及存储在所述存储器71中并可在所述处理器70上运行的计算机可读指令72，例如业务自助办理程序。所述处理器70执行所述计算机可读指令72时实现上述各个业务自助办理方法实施例中的步骤，例如图1所示的步骤101至104。或者，所述处理器70执行所述计算机可读指令72时实现上述各装置实施例中各模块/单元的功能，例如图6所示模块61至64的功能。
示例性的，所述计算机可读指令72可以被分割成一个或多个模块/单元，所述一个或 者多个模块/单元被存储在所述存储器71中，并由所述处理器70执行，以完成本申请。所述一个或多个模块/单元可以是能够完成特定功能的一系列计算机可读指令指令段，该指令段用于描述所述计算机可读指令72在所述智能设备7中的执行过程。
所述智能设备7可以为自助交易终端。所述智能设备可包括，但不仅限于，处理器70、存储器71。本领域技术人员可以理解，图7仅仅是智能设备7的示例，并不构成对智能设备7的限定，可以包括比图示更多或更少的部件，或者组合某些部件，或者不同的部件，例如所述智能设备还可以包括输入输出设备、网络接入设备、总线等。
所述处理器70可以是中央处理单元(Central Processing Unit，CPU)，还可以是其他通用处理器、数字信号处理器(Digital Signal Processor，DSP)、专用集成电路(Application Specific Integrated Circuit，ASIC)、现成可编程门阵列(Field-Programmable Gate Array，FPGA)或者其他可编程逻辑器件、分立门或者晶体管逻辑器件、分立硬件组件等。通用处理器可以是微处理器或者该处理器也可以是任何常规的处理器等。
所述存储器71可以是所述智能设备7的内部存储单元，例如智能设备7的硬盘或内存。所述存储器71也可以是所述智能设备7的外部存储设备，例如所述智能设备7上配备的插接式硬盘，智能存储卡(Smart Media Card,SMC)，安全数字(Secure Digital,SD)卡，闪存卡(Flash Card)等。进一步地，所述存储器71还可以既包括所述智能设备7的内部存储单元也包括外部存储设备。所述存储器71用于存储所述计算机可读指令以及所述智能设备所需的其他程序和数据。所述存储器71还可以用于暂时地存储已经输出或者将要输出的数据。
在本申请各个实施例中的各功能单元可以集成在一个处理单元中，也可以是各个单元单独物理存在，也可以两个或两个以上单元集成在一个单元中。上述集成的单元既可以采用硬件的形式实现，也可以采用软件功能单元的形式实现。
以上所述实施例仅用以说明本申请的技术方案，而非对其限制；尽管参照前述实施例对本申请进行了详细的说明，本领域的普通技术人员应当理解：其依然可以对前述各实施例所记载的技术方案进行修改，或者对其中部分技术特征进行等同替换；而这些修改或者替换，并不使相应技术方案的本质脱离本申请各实施例技术方案的精神和范围，均应包含在本申请的保护范围之内。

Claims (20)

  1. 一种业务自助办理方法，其特征在于，包括：
    接收用户输入的用户信息，确定所述用户信息的信息类型；
    获取所述用户待办理的业务类型；
    若所述待办理的业务类型为开户业务，则根据所述用户信息的信息类型显示可开户交易机构名称的列表；
    若所述用户待办理的业务类型为除开户业务以外的其他业务，则根据所述用户信息连接所述用户信息对应的交易机构后台。
  2. 根据权利要求1所述的方法，其特征在于，所述接收用户输入的用户信息，确定所述用户信息的信息类型的步骤，包括：
    接收用户输入的用户信息；
    基于所述用户信息进行文本识别，获取文本信息；
    提取文本信息中的数字序列，并确定所述数字序列的数字位数；
    根据所述数字位数以及预设的位数信息映射表，确定包含所述数字序列的用户信息对应的信息类型。
  3. 根据权利要求2所述的方法，其特征在于，所述根据所述数字位数以及预设的位数信息对照表，确定包含所述数字序列的用户信息对应的信息类型的步骤，包括：
    预先建立位数信息映射表，所述位数信息对照表中存有数字序列的数字位数与用户信息类型的映射关系；
    若所述数字序列的数字位数为第一数量位数，则包含所述数字序列的用户信息的信息类型为手机号；
    若所述数字序列的数字位数为第二数量位数，则包含所述数字序列的用户信息的信息类型为交易卡号；
    若所述数字序列的数字位数为第三数量位数，根据预设算法对所述数字序列进行计算，根据计算结果确定包含所述数字序列的用户信息的信息类型是交易卡号还是身份证号。
  4. 根据权利要求3所述的方法，其特征在于，所述若所述数字序列的数字位数为第三数量位数，根据预设算法对所述数字序列进行计算，根据计算结果确定包含所述数字序列的用户信息的信息类型是交易卡号还是身份证号的步骤，包括：
    所述第三数量位数具体为N位，N为正整数，将所述数字序列表示如下：x 1x 2x 3…x i…x N，其中，i为正整数，x i表示数字序列中第i位对应的数字，按如下公式对所述数字序列进行计算：
    Figure PCTCN2018097500-appb-100001
    若根据上述公式计算得到的Q的值与所述数字序列中第N位对应的数字x N相同，则判定所述数字序列为交易卡号；
    若不相同，则对所述数字序列进行解析，判断所述数字序列是否满足身份证号生成规则；
    若满足，则判定所述数字序列对应的用户信息的信息类型为身份证号。
  5. 根据权利要求1所述的方法，其特征在于，所述根据所述用户信息的信息类型显示可开户交易机构名称的列表的步骤，包括：
    若所述用户信息的信息类型为身份证号，则根据所述身份证号读取所述用户的生源地信息；
    基于所述生源地信息，从预设的交易机构群组中选择位于生源地的地区交易机构进行推荐显示；
    若所述用户信息为手机号的信息类型，则读取所述手机号的归属地信息；
    基于所述归属地信息，从预设的交易机构群组中选择位于所述归属地的交易机构进行推荐显示。
  6. 一种业务自助办理装置，其特征在于，包括：
    信息处理单元，用于接收用户输入的用户信息，确定所述用户信息的信息类型；
    业务处理单元，用于获取所述用户待办理的业务类型，基于所述用户信息的信息类型与所述用户待办理的业务类型，为用户办理业务；
    第一业务单元，用于若所述待办理的业务类型为开户业务，则显示可开户交易机构名称的列表；
    第二业务单元，用于若所述用户待办理的业务类型为除开户业务以外的其他业务，则根据所述用户信息连接所述用户信息对应的交易机构后台。
  7. 根据权利要求6所述的方法，其特征在于，所述信息处理单元包括：
    信息接收模块，用于接收用户输入的用户信息；
    文本获取模块，用于基于所述用户信息进行文本识别，获取文本信息；
    位数确定模块，用于提取文本信息中的数字序列，并确定所述数字序列的数字位数；
    信息类型确定模块，用于根据所述数字位数以及预设的位数信息映射表，确定包含所述数字序列的用户信息对应的信息类型。
  8. 根据权利要求7所述的方法，其特征在于，所述类型确定模块包括：
    映射表建立子模块，用于预先建立位数信息映射表，所述位数信息对照表中存有数字序列的数字位数与用户信息类型的映射关系；
    第一映射子模块，用于若所述数字序列的数字位数为第一数量位数，则包含所述数字序列的用户信息的信息类型为手机号；
    第二映射子模块，用于若所述数字序列的数字位数为第二数量位数，则包含所述数字序列的用户信息的信息类型为交易卡号；
    第三映射子模块，用于若所述数字序列的数字位数为第三数量位数，根据预设算法对所述数字序列进行计算，根据计算结果确定包含所述数字序列的用户信息的信息类型是交易卡号还是身份证号。
  9. 根据权利要求8所述的方法，其特征在于，所述第三映射子模块具体用于：
    所述第三数量位数具体为N位，N为正整数，将所述数字序列表示如下：x 1x 2x 3…x i…x N，其中，i为正整数，x i表示数字序列中第i位对应的数字，按如下公式对所述数字序列进行计算：
    Figure PCTCN2018097500-appb-100002
    若根据上述公式计算得到的Q的值与所述数字序列中第N位对应的数字x N相同，则判定所述数字序列为交易卡号；
    若不相同，则对所述数字序列进行解析，判断所述数字序列是否满足身份证号生成规则；
    若满足，则判定所述数字序列对应的用户信息的信息类型为身份证号。
  10. 根据权利要求6所述的方法，其特征在于，所述第一业务单元包括：
    信息推荐模块，用于根据所述用户信息的信息类型，选择与所述用户信息对应的交易机构进行推荐显示；
    第一读取模块，用于若所述用户信息的信息类型为身份证号，则根据所述身份证号读取所述用户的生源地信息；
    第一推荐模块，用于基于所述生源地信息，从预设的交易机构群组中选择位于生源地的地区交易机构进行推荐显示；
    第二读取模块，用于若所述用户信息为手机号的信息类型，则读取所述手机号的归属地信息；
    第二推荐模块，用于基于所述归属地信息，从预设的交易机构群组中选择位于所 述归属地的交易机构进行推荐显示。
  11. 一种计算机可读存储介质，所述计算机可读存储介质存储有计算机可读指令，其特征在于，所述计算机可读指令被处理器执行时实现如下步骤：
    接收用户输入的用户信息，确定所述用户信息的信息类型；
    获取所述用户待办理的业务类型；
    若所述待办理的业务类型为开户业务，则根据所述用户信息的信息类型显示可开户交易机构名称的列表；
    若所述用户待办理的业务类型为除开户业务以外的其他业务，则根据所述用户信息连接所述用户信息对应的交易机构后台。
  12. 根据权利要求11所述的计算机可读存储介质，其特征在于，所述接收用户输入的用户信息，确定所述用户信息的信息类型的步骤，包括：
    接收用户输入的用户信息；
    基于所述用户信息进行文本识别，获取文本信息；
    提取文本信息中的数字序列，并确定所述数字序列的数字位数；
    根据所述数字位数以及预设的位数信息映射表，确定包含所述数字序列的用户信息对应的信息类型。
  13. 根据权利要求12所述的计算机可读存储介质，其特征在于，所述根据所述数字位数以及预设的位数信息对照表，确定包含所述数字序列的用户信息对应的信息类型的步骤，包括：
    预先建立位数信息映射表，所述位数信息对照表中存有数字序列的数字位数与用户信息类型的映射关系；
    若所述数字序列的数字位数为第一数量位数，则包含所述数字序列的用户信息的信息类型为手机号；
    若所述数字序列的数字位数为第二数量位数，则包含所述数字序列的用户信息的信息类型为交易卡号；
    若所述数字序列的数字位数为第三数量位数，根据预设算法对所述数字序列进行计算，根据计算结果确定包含所述数字序列的用户信息的信息类型是交易卡号还是身份证号。
  14. 根据权利要求13所述的计算机可读存储介质，其特征在于，所述若所述数字序列的数字位数为第三数量位数，根据预设算法对所述数字序列进行计算，根据计算结果确定包含所述数字序列的用户信息的信息类型是交易卡号还是身份证号的步骤，包括：
    所述第三数量位数具体为N位，N为正整数，将所述数字序列表示如下：x 1x 2x 3…x i…x N，其中，i为正整数，x i表示数字序列中第i位对应的数字，按如下公式对所述数字序列进行计算：
    Figure PCTCN2018097500-appb-100003
    若根据上述公式计算得到的Q的值与所述数字序列中第N位对应的数字x N相同，则判定所述数字序列为交易卡号；
    若不相同，则对所述数字序列进行解析，判断所述数字序列是否满足身份证号生成规则；
    若满足，则判定所述数字序列对应的用户信息的信息类型为身份证号。
  15. 根据权利要求11所述的计算机可读存储介质，其特征在于，所述根据所述用户信息的信息类型显示可开户交易机构名称的列表的步骤，包括：
    若所述用户信息的信息类型为身份证号，则根据所述身份证号读取所述用户的生源地信息；
    基于所述生源地信息，从预设的交易机构群组中选择位于生源地的地区交易机构进行推荐显示；
    若所述用户信息为手机号的信息类型，则读取所述手机号的归属地信息；
    基于所述归属地信息，从预设的交易机构群组中选择位于所述归属地的交易机构进行推荐显示。
  16. 一种智能设备，包括存储器、处理器以及存储在所述存储器中并可在所述处理器上运行的计算机可读指令，其特征在于，所述处理器执行所述计算机可读指令时实现如下步骤：
    接收用户输入的用户信息，确定所述用户信息的信息类型；
    获取所述用户待办理的业务类型，基于所述用户信息的信息类型与所述用户待办理的业务类型，为用户办理业务；
    若所述待办理的业务类型为开户业务，则显示可开户交易机构名称的列表；
    若所述用户待办理的业务类型为除开户业务以外的其他业务，则根据所述用户信息连接所述用户信息对应的交易机构后台。
  17. 根据权利要求16所述的智能设备，其特征在于，所述接收用户输入的用户信息，确定所述用户信息的信息类型的步骤，包括：
    接收用户输入的用户信息；
    基于所述用户信息进行文本识别，获取文本信息；
    提取文本信息中的数字序列，并确定所述数字序列的数字位数；
    根据所述数字位数以及预设的位数信息映射表，确定包含所述数字序列的用户信息对应的信息类型。
  18. 根据权利要求17所述的智能设备，其特征在于，所述根据所述数字位数以及预设的位数信息对照表，确定包含所述数字序列的用户信息对应的信息类型的步骤，包括：
    预先建立位数信息映射表，所述位数信息对照表中存有数字序列的数字位数与用户信息类型的映射关系；
    若所述数字序列的数字位数为第一数量位数，则包含所述数字序列的用户信息的信息类型为手机号；
    若所述数字序列的数字位数为第二数量位数，则包含所述数字序列的用户信息的信息类型为交易卡号；
    若所述数字序列的数字位数为第三数量位数，根据预设算法对所述数字序列进行计算，根据计算结果确定包含所述数字序列的用户信息的信息类型是交易卡号还是身份证号。
  19. 根据权利要求18所述的智能设备，其特征在于，所述若所述数字序列的数字位数为第三数量位数，根据预设算法对所述数字序列进行计算，根据计算结果确定包含所述数字序列的用户信息的信息类型是交易卡号还是身份证号的步骤，包括：
    所述第三数量位数具体为N位，N为正整数，将所述数字序列表示如下：x 1x 2x 3…x i…x N，其中，i为正整数，x i表示数字序列中第i位对应的数字，按如下公式对所述数字序列进行计算：
    Figure PCTCN2018097500-appb-100004
    若根据上述公式计算得到的Q的值与所述数字序列中第N位对应的数字x N相同，则判定所述数字序列为交易卡号；
    若不相同，则对所述数字序列进行解析，判断所述数字序列是否满足身份证号生成规则；
    若满足，则判定所述数字序列对应的用户信息的信息类型为身份证号。
  20. 根据权利要求11所述的智能设备，其特征在于，所述根据所述用户信息的信息类型显示可开户交易机构名称的列表的步骤，包括：
    若所述用户信息的信息类型为身份证号，则根据所述身份证号读取所述用户的生源地信息；
    基于所述生源地信息，从预设的交易机构群组中选择位于生源地的地区交易机构进行推荐显示；
    若所述用户信息为手机号的信息类型，则读取所述手机号的归属地信息；
    基于所述归属地信息，从预设的交易机构群组中选择位于所述归属地的交易机构进行推荐显示。
PCT/CN2018/097500 2018-01-02 2018-07-27 业务自助办理方法、装置、存储介质和智能设备 WO2019134362A1 (zh)

Applications Claiming Priority (2)

Application Number Priority Date Filing Date Title
CN201810001734.XA CN108053581B (zh) 2018-01-02 2018-01-02 业务自助办理方法、存储介质和智能设备
CN201810001734.X 2018-01-02

Publications (1)

Publication Number Publication Date
WO2019134362A1 true WO2019134362A1 (zh) 2019-07-11

Family

ID=62126227

Family Applications (1)

Application Number Title Priority Date Filing Date
PCT/CN2018/097500 WO2019134362A1 (zh) 2018-01-02 2018-07-27 业务自助办理方法、装置、存储介质和智能设备

Country Status (2)

Country Link
CN (1) CN108053581B (zh)
WO (1) WO2019134362A1 (zh)

Families Citing this family (7)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
CN108053581B (zh) * 2018-01-02 2020-02-21 深圳壹账通智能科技有限公司 业务自助办理方法、存储介质和智能设备
CN108958871A (zh) * 2018-07-03 2018-12-07 广州唯品会信息科技有限公司 开户页面配置方法、装置、系统及计算机可读存储介质
CN109413203A (zh) * 2018-11-29 2019-03-01 平安科技（深圳）有限公司 一种交易数据获取方法及装置
CN109933626B (zh) * 2019-02-12 2024-01-30 平安科技（深圳）有限公司 金融业务的数据处理方法、装置及金融交易终端
CN110197362A (zh) * 2019-05-25 2019-09-03 深圳供电局有限公司 一种电力用电增减容业务处理方法及其系统
CN112686413A (zh) * 2020-12-23 2021-04-20 平安信托有限责任公司 开户预约方法、装置、设备及介质
CN114219380B (zh) * 2022-02-23 2023-03-14 深圳市华正联实业有限公司 一种信息核验方法、自助办理系统及可读存储介质

Citations (7)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
JP2003067570A (ja) * 2001-08-29 2003-03-07 Nippon Atm Kk 通信ネットワークによる金融業務処理方法及びその通信システム並びにプログラム
CN102446381A (zh) * 2010-10-08 2012-05-09 创群科技股份有限公司 金融设备的联机作业方法
CN202948516U (zh) * 2012-11-23 2013-05-22 哈尔滨商业大学 一种集多种银行提款机为一体的多行一体化atm机
CN103839334A (zh) * 2012-11-23 2014-06-04 哈尔滨功成科技创业投资有限公司 一种集多种银行提款机为一体的多行一体化atm机
CN204480400U (zh) * 2015-03-24 2015-07-15 李孟洁 一种综合一体化atm机
US20150317637A1 (en) * 2014-04-28 2015-11-05 Tecnologia Bancária S.A. Multibank biometric authentication system applied in automatic teller machines equipped with biometric sensors
CN108053581A (zh) * 2018-01-02 2018-05-18 上海壹账通金融科技有限公司 业务自助办理方法、存储介质和智能设备

Family Cites Families (1)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
CN107223274B (zh) * 2017-04-26 2019-10-11 深圳怡化电脑股份有限公司 金融终端业务的处理方法、装置和金融终端

Patent Citations (7)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
JP2003067570A (ja) * 2001-08-29 2003-03-07 Nippon Atm Kk 通信ネットワークによる金融業務処理方法及びその通信システム並びにプログラム
CN102446381A (zh) * 2010-10-08 2012-05-09 创群科技股份有限公司 金融设备的联机作业方法
CN202948516U (zh) * 2012-11-23 2013-05-22 哈尔滨商业大学 一种集多种银行提款机为一体的多行一体化atm机
CN103839334A (zh) * 2012-11-23 2014-06-04 哈尔滨功成科技创业投资有限公司 一种集多种银行提款机为一体的多行一体化atm机
US20150317637A1 (en) * 2014-04-28 2015-11-05 Tecnologia Bancária S.A. Multibank biometric authentication system applied in automatic teller machines equipped with biometric sensors
CN204480400U (zh) * 2015-03-24 2015-07-15 李孟洁 一种综合一体化atm机
CN108053581A (zh) * 2018-01-02 2018-05-18 上海壹账通金融科技有限公司 业务自助办理方法、存储介质和智能设备

Also Published As

Publication number Publication date
CN108053581B (zh) 2020-02-21
CN108053581A (zh) 2018-05-18

Similar Documents

Publication Publication Date Title
WO2019134362A1 (zh) 业务自助办理方法、装置、存储介质和智能设备
CN104599408B (zh) 基于动态二维码的第三方账户自动柜员机取款方法及系统
CN109284044A (zh) 一种基于大数据的功能菜单展示方法及相关设备
US11037127B2 (en) Symbols to indicate which ATM to use
US20070174186A1 (en) Authenticated and distributed transaction processing
US20080195540A1 (en) Automated teller machine with fraud detection system
WO2018205468A1 (zh) 生物识别交易处理方法、电子装置及存储介质
CN107564204A (zh) 一种大额取款方法及atm设备
CN110223128A (zh) 一种数据处理的方法及相关装置
CN111191198A (zh) 账户信息处理方法、装置、计算机可读介质及电子设备
CN110069761A (zh) 一种银行自助设备的填单方法及装置
US11599882B2 (en) Data processing method, apparatus, and system
US20050246242A1 (en) System and method for collecting confidential customer information in conjunction with a live conversation between customer and vendor representative
WO2018195822A1 (zh) 金融终端业务的处理方法、装置和金融终端
CN104574691B (zh) 一种基于银行柜员机的业务处理方法和系统
CN1801228A (zh) 基于交互式语音响应对银行卡交易实时授权的方法
CN206348809U (zh) 一种用于银行vip人员业务办理的人脸识别系统
US20220405731A1 (en) System and method for authenticating a user of a banking device
TWI303393B (zh)
CN107657533B (zh) 自助交易提醒方法、装置及终端设备
JP6476344B2 (ja) 現金取引システムおよび現金取引方法
CN114187999B (zh) 一种医院统一支付管理平台及控制方法
CA3047007C (en) Immediate release of resource for data transfer
CN1480906A (zh) 利用无线通讯手段提高金融自助业务安全性的方法
US20030041270A1 (en) Intelligent identifying method

Legal Events

Date Code Title Description
121 Ep: the epo has been informed by wipo that ep was designated in this application

Ref document number: 18898330

Country of ref document: EP

Kind code of ref document: A1

NENP Non-entry into the national phase

Ref country code: DE

32PN Ep: public notification in the ep bulletin as address of the adressee cannot be established

Free format text: NOTING OF LOSS OF RIGHTS PURSUANT TO RULE 112(1) EPC (EPO FORM 1205A DATED 16/11/2020)

122 Ep: pct application non-entry in european phase

Ref document number: 18898330

Country of ref document: EP

Kind code of ref document: A1