WO2019144530A1 - 信用卡转开户业务实现方法、设备、系统及存储介质 - Google Patents

信用卡转开户业务实现方法、设备、系统及存储介质 Download PDF

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Publication number
WO2019144530A1
WO2019144530A1 PCT/CN2018/083772 CN2018083772W WO2019144530A1 WO 2019144530 A1 WO2019144530 A1 WO 2019144530A1 CN 2018083772 W CN2018083772 W CN 2018083772W WO 2019144530 A1 WO2019144530 A1 WO 2019144530A1
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WO
WIPO (PCT)
Prior art keywords
credit card
customer
remote video
teller machine
identity information
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Application number
PCT/CN2018/083772
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English (en)
French (fr)
Inventor
李永平
高凌云
牛华
李长缤
凌永辉
Original Assignee
平安科技（深圳）有限公司
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Publication of WO2019144530A1 publication Critical patent/WO2019144530A1/zh

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Classifications

    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/08—Payment architectures
    • G06Q20/18—Payment architectures involving self-service terminals [SST], vending machines, kiosks or multimedia terminals
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
    • G06Q40/03—Credit; Loans; Processing thereof
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/08—Payment architectures
    • G06Q20/20—Point-of-sale [POS] network systems
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/08—Payment architectures
    • G06Q20/20—Point-of-sale [POS] network systems
    • G06Q20/202—Interconnection or interaction of plural electronic cash registers [ECR] or to host computer, e.g. network details, transfer of information from host to ECR or from ECR to ECR
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/34—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using cards, e.g. integrated circuit [IC] cards or magnetic cards
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
    • G06Q20/401—Transaction verification
    • G06Q20/4014—Identity check for transactions
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
    • G06Q20/401—Transaction verification
    • G06Q20/4014—Identity check for transactions
    • G06Q20/40145—Biometric identity checks
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
    • G06Q20/405—Establishing or using transaction specific rules
    • 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

Definitions

  • the present application relates to the field of Internet technologies, and in particular, to a credit card to account opening service implementation method, device, system, and storage medium.
  • the application provides a credit card to account opening business realization method, device, system and storage medium, which can reduce the pressure on the business handling of the bank outlet staff, fully utilize the equipment resources of the bank outlets, and improve the customer service experience.
  • the present application provides a credit card to account opening service implementation method, and the method includes the following steps:
  • the remote video teller machine sends a credit card processing instruction to the server in response to the credit card application instruction input by the customer;
  • the server assigns a target teller in an idle state to the remote video teller machine, and sends the credit card processing instruction to the terminal device corresponding to the target teller;
  • the terminal device generates an identity information verification request according to the credit card processing instruction, and sends the identity information verification request to the remote video teller machine;
  • the remote video teller machine displays the identity information input prompt according to the identity information verification request, and receives the identity information input by the client;
  • the remote video teller machine verifies the identity information, and when the identity information verification is successful, detecting whether the client is a bank debit card user, and displaying when the client is not a bank debit card user,
  • the debit card handles the prompt and performs a debit card for the customer upon receiving the debit card application instruction entered by the customer.
  • the present application further provides a credit card to account opening service implementation system, the system comprising: a remote video teller machine, a server, and a terminal device;
  • the remote video teller machine is configured to send a credit card processing instruction to the server in response to a credit card application instruction input by the customer;
  • the server is configured to, in response to the credit card processing instruction, assign a target teller in an idle state to the remote video teller machine, and send the credit card processing instruction to a terminal device corresponding to the target teller;
  • the terminal device is configured to generate an identity information verification request according to the credit card processing instruction, and send the identity information verification request to the remote video teller machine;
  • the remote video teller machine is further configured to display an identity information input prompt according to the identity information verification request, and receive identity information input by the client; verify the identity information, and detect the client when the identity information verification succeeds Whether it is a debit card user of the bank; when detecting that the customer is not a debit card user of the bank, the debit card is displayed for prompting, and the customer is debited upon receiving the debit card application instruction input by the customer. Card processing.
  • the present application further provides a credit card to account opening service implementation device, wherein the device includes a memory, a processor, and a credit card transfer account stored on the memory and operable on the processor
  • the service implementation program, the credit card to account opening service implementation program is configured to implement the steps of the credit card to account opening service implementation method as described above.
  • the present application further provides a storage medium, wherein the storage medium stores a credit card to account opening service implementation program, and the credit card to account opening service implementation program is implemented by the processor as described above. The steps of the credit card to account opening business implementation method.
  • This application is realized by the remote video teller machine when the customer needs to handle the credit card or debit card account opening business, which can reduce the pressure on the business handling of the bank outlet staff, fully utilize the equipment resources of the bank outlets, and avoid the waiting time of the customer is too long and improve. The customer experience.
  • FIG. 1 is a schematic flowchart of a first embodiment of a method for implementing a credit card transfer account opening service according to the present application
  • FIG. 2 is a schematic flowchart of a second embodiment of a method for implementing a credit card to account opening service according to the present application
  • FIG. 3 is a schematic flowchart of a third embodiment of a method for implementing a credit card to account opening service according to the present application
  • FIG. 4 is a structural block diagram of a first embodiment of a credit card to account opening service implementation system of the present application.
  • FIG. 1 is a schematic flowchart of a first embodiment of a method for implementing a credit card to account opening service according to the present application.
  • the method includes the following steps:
  • Step S10 The remote video teller machine sends a credit card processing instruction to the server in response to the credit card application instruction input by the client;
  • the remote video teller machine is a mechanical and electrical integration device that handles some counter services through a remote video method, and is mostly applied to financial systems such as banks and small loan companies.
  • the server may be a web server connected to a remote video teller machine (hereinafter referred to as VTM) and interacting with data information.
  • VTM remote video teller machine
  • a trigger button for different services is generally set.
  • the credit card application can be accessed through the touch screen in the VTM display interface.
  • the trigger button the VTM sends a credit card processing instruction to the server in response to the credit card application instruction input by the client.
  • the VTM displays a credit card collection mode selection prompt on the display interface, and the credit card collection method may include: online
  • the manner of the card and the delivery may of course include other methods of the card, which is not limited in this embodiment.
  • the VTM After receiving the credit card receiving instruction input by the customer, the VTM will send a credit card processing instruction to the server.
  • Step S20 The server sends a target teller in an idle state to the remote video teller machine in response to the credit card processing instruction, and sends the credit card processing instruction to the terminal device corresponding to the target teller;
  • the server responds to the service processing instruction, and allocates a target teller in an idle state to the VTM to handle related services for the current VTM customer.
  • the target teller may randomly select a teller from the tellers who are in the idle state at the current moment to perform the allocation, or may be other allocation manners, which is not limited in this embodiment.
  • the server after determining the target teller, the server sends the credit card processing instruction to the terminal device corresponding to the target teller.
  • Step S30 The terminal device generates an identity information verification request according to the credit card processing instruction, and sends the identity information verification request to the remote video teller machine;
  • the terminal device may be an operation platform for a bank teller to perform a service, such as a personal computer, a notebook computer, etc., which is not limited in this embodiment.
  • the terminal device corresponding to the target teller after receiving the service instruction (for example, the credit card processing instruction), the terminal device corresponding to the target teller enters the business interface of the credit card processing according to the business processing instruction without asking The customer then enters the business interface.
  • the target teller After the terminal device enters the service interface, the target teller generates an identity information verification request by clicking an identity verification button on the terminal device, and sends the identity information verification request to the remote video teller machine. To verify the identity of the customer.
  • Step S40 The remote video teller machine displays the identity information input prompt according to the identity information verification request, and receives the identity information input by the client;
  • the VTM prompts the client to input the identity information on the display interface when receiving the identity information verification request
  • the identity information may be information capable of proving the personal identity of the client.
  • identity card information for example, identity card information, biometric information, and/or image information.
  • the VTM can input the identity information of the client by using an integrated information reading device, and the information reading device can include: a fingerprint/iris identifier, an ID card reader, a camera, etc.
  • the information reading device can include: a fingerprint/iris identifier, an ID card reader, a camera, etc. The embodiment does not limit this.
  • VTM verifies the entered identity information, it can be verified locally, or the entered information can be sent to the server, verified by the server, and then the verification result is fed back to the VTM.
  • Step S50 The remote video teller machine verifies the identity information, and when the identity information verification is successful, detecting whether the client is a debit card user of the bank, and detecting that the client is not a debit card user of the bank At the time, the debit card is displayed for prompting, and the debit card is processed for the customer upon receiving the debit card application instruction input by the customer.
  • the VTM when the VTM successfully verifies the identity information of the client, the VTM will continue to detect whether the client opens the debit card at the bank, that is, whether the client is a debit card user of the bank, and when detecting the location
  • the preset debit card processing prompt is displayed on the display interface, and after receiving the confirmation instruction input by the customer, the debit card is processed for the customer.
  • VTM will prompt the customer to handle the credit card.
  • the VTM can be suspended by the customer's previous application for the credit card application, and then will be hung after the debit card is processed.
  • the credit card application interface is displayed to the customer to facilitate the customer to continue the credit card processing.
  • the remote video teller machine when the customer needs to apply for a debit card, responds to the credit card processing instruction input by the customer, and detects whether the customer is a debit card user of the bank, and when the customer is not a debit card user of the bank,
  • the customer's debit card processing can reduce the pressure on the business operations of bank outlets, make full use of the equipment resources of the bank outlets, avoid the customer waiting time is too long, and improve the customer experience.
  • FIG. 2 is a schematic flowchart of a second embodiment of a method for implementing a credit card to account opening service according to the present application.
  • the step S20 may specifically include:
  • Step S201 The server finds a teller who is in an idle state at the current moment, and acquires user satisfaction of the teller in an idle state;
  • the server searches for the teller who is in the idle state (ie, the unprocessed service) at the current moment, and acquires the user satisfaction of the teller in the idle state.
  • the user satisfaction may be scored according to the degree of satisfaction of the customer with respect to the teller service within the recent time (eg, 1 month, 2 months, or half a year) of the teller.
  • the step S201 may include: the server searches for a teller who is in an idle state at the current moment, and obtains an identity of the teller in an idle state; the server searches for the idleness in the mapping relationship according to the identity identifier.
  • the user satisfaction of the status of the teller, in the mapping relationship, the correspondence between the identity of the teller and the user satisfaction is stored.
  • the identity identifier may be the ID number of the teller, or the ID number of the teller, and may also be other identification information that can identify the identity of the teller. This embodiment does not limit this.
  • Step S202 The server sorts the user satisfactions in descending order, determines a target teller according to the sorting result, and assigns the target tellers to the remote video teller.
  • the server After obtaining the user satisfaction of each of the tellers in an idle state, the server sorts the user satisfaction of each teller in descending order, and then selects the teller with the highest user satisfaction or a relatively high rank as the teller.
  • the target teller, and the target teller is assigned to the VTM that sends the service processing instruction, thereby handling the corresponding business for the customer.
  • the server after determining the target teller, the server further sends the service processing instruction to the terminal device corresponding to the target teller.
  • the server in this embodiment searches for the teller who is in the idle state at the current moment, obtains the user satisfaction of the tellers in the idle state, sorts the user satisfactions in descending order, determines the target teller according to the sorting result, and determines the target teller according to the sorting result, and The target teller is assigned to the remote video teller machine, thereby ensuring the service quality, improving the business processing efficiency of the bank outlets, and avoiding the long wait for the customer to handle the business.
  • FIG. 3 is a schematic flowchart of a third embodiment of a method for implementing a credit card to account opening service according to the present application.
  • the step S50 may specifically include:
  • Step S501 The remote video teller sends the identity information to the public security system for network verification
  • the VTM prompts the client to input the identity information on the display interface.
  • the identity information may include credential information
  • the credential information may be identity card information.
  • the public security system compares the customer's certificate information pre-stored in the system with the certificate information sent by the VTM; when the verification is successful, the customer photo corresponding to the identity information is fed back.
  • the public security system fails to pass the verification of the document information, it will feedback the reminder information that the verification fails.
  • Step S502 The remote video teller machine receives the customer photo corresponding to the identity information fed back by the public security system, and detects whether the customer is a bank debit card user, and the customer photo is the public security system The feedback of the document information network verification is passed;
  • the step S502 may include: the remote video teller machine receives the customer photo corresponding to the identity information fed back by the public security system; and collects the client image. And matching the customer image information with the customer photo, and detecting whether the customer is a debit card user of the bank when the matching is successful.
  • the specific VTM can collect the current image information of the customer and verify the image information through the camera integrated on the VTM.
  • the matching process of the specific image information with the customer photo may be: the remote video teller machine collects the image information of the client through the camera; determines the facial contour of the image information and the customer photo, according to the face And extracting, by the contour line, the first face image in the image information and the second face image in the customer photo; and adjusting the first face image and the second face image to make the first The face image and the second face image have the same size; feature point extraction is performed on the first face image and the second face image, respectively, and the extracted feature points are matched and verified.
  • the pre-existing customer photos in the public security system are customer photos taken when the customer first processes identity documents or other documents.
  • a matching threshold may be preset to determine the matching degree of the currently acquired feature points.
  • VTM performs feature point extraction on the first face image and the second face image of the client respectively, and after matching the extracted feature points, the matching degree is 85%, which exceeds a preset matching threshold value of 75. %, it can be determined that the current customer and the corresponding customer of the identity document are the same person.
  • the matching threshold may be set according to an actual situation, which is not limited in this embodiment.
  • VTM when the VTM authenticates the identity information to the client, it detects whether the client has opened the debit card in the bank.
  • Step S503 When detecting that the customer is not a debit card user of the bank, the debit card is displayed for prompting, and the debit card is processed for the client when receiving the debit card application instruction input by the client.
  • VTM did not process the debit card in the Bank before detecting the customer, that is, when the customer is not a debit card user of the bank, the debit card is displayed on the display interface to prompt the customer to apply for the debit of the bank first. The card will then be processed by the Bank's credit card; therefore, the VTM will process the debit card for the customer upon receiving the debit card application order entered by the customer.
  • the credit card to account opening service implementation method after the step S502, further includes: the remote video teller machine displaying the credit card application information when detecting that the customer is a debit card user of the line Entering a prompt; receiving credit card application information input by the customer, performing personal credit check according to the credit card application information, and performing credit card processing for the customer when the personal credit check is passed.
  • the remote video teller machine verifies the acquired identity information of the customer, and when the verification is successful, detects whether the customer is a debit card user of the bank; when the customer is not the debit card user of the bank, the debit is displayed.
  • the card handles the prompt, and performs a debit card for the customer when receiving the debit card application instruction input by the customer; when the customer is the debit card user of the line, the credit card application information input prompt is displayed, and the credit card input by the customer is received.
  • the application information is subjected to personal credit check according to the credit card application information, and when the personal credit check is passed, the credit card processing is performed for the customer, which can optimize the customer's business handling experience, avoid the user waiting in line, and save user time.
  • the embodiment of the present application further provides a credit card to account opening service implementation device, where the device includes a memory, a processor, and a credit card to account opening service implementation program stored on the memory and operable on the processor.
  • the credit card to account opening service implementation program is configured to implement the steps of the credit card to account opening service implementation method described in the above embodiments.
  • the embodiment of the present application further provides a computer readable storage medium, where the credit card to account opening service implementation program is stored, and the credit card to account opening service implementation program is executed by the processor to implement the above embodiment.
  • the steps of the credit card to account opening service implementation method are performed by the processor to implement the above embodiment.
  • FIG. 4 is a structural block diagram of a first embodiment of a credit card to account opening service implementation system of the present application.
  • the credit card to account opening service implementation system includes: a remote video teller machine 101, a server 102, and a terminal device 103;
  • the remote video teller machine 101 is configured to send a credit card processing instruction to the server 102 in response to a credit card application instruction input by the customer;
  • the remote video teller 101, the server 102 and the terminal device 103 are connected to each other and can perform data interaction.
  • the connection between them may be a wired connection or a wireless connection, which is not limited in this embodiment.
  • the remote video teller machine 101 is a mechatronics device that handles some counter services through a remote video method, and is mostly applied to financial systems such as banks and small loan companies.
  • the server 102 may be a web server that is connected to the remote video teller machine 101 (hereinafter referred to as VTM) and performs data information interaction.
  • a trigger button for different services is generally set.
  • the credit card application can be accessed through the touch screen in the VTM display interface.
  • the trigger button the VTM sends a credit card processing instruction to the server 102 in response to the credit card application instruction input by the client.
  • the VTM is further used to display a credit card receiving mode selection prompt on the display interface after the customer clicks the credit card application button, and the credit card receiving method is used.
  • the method may include: online card receiving and sending, and of course, other card-collecting methods may also be included. This embodiment does not limit this. Accordingly, after receiving the credit card receiving instruction input by the client, the VTM may A credit card processing instruction is sent to the server 102.
  • the server 102 is configured to, in response to the credit card processing instruction, assign a remote teller 101 a target teller in an idle state, and send the credit card processing instruction to the terminal device 103 corresponding to the target teller;
  • the server 102 responds to the service processing instruction, and allocates a target teller in an idle state to the VTM to handle related services for the current VTM customer.
  • the target teller may randomly select a teller from the tellers who are in the idle state at the current moment to perform the allocation, or may be other allocation manners, which is not limited in this embodiment.
  • the server 102 after determining the target teller, the server 102 sends the credit card processing instruction to the terminal device 103 corresponding to the target teller.
  • the terminal device 103 is configured to generate an identity information verification request according to the credit card processing instruction, and send the identity information verification request to the remote video teller machine 101;
  • the terminal device 103 may be an operation platform for a bank teller to perform a service, such as a personal computer, a notebook computer, etc., which is not limited in this embodiment.
  • the terminal device 103 corresponding to the target teller after receiving the service instruction (for example, the credit card processing instruction), the terminal device 103 corresponding to the target teller enters the business interface of the credit card processing according to the service processing instruction, without Ask the customer to enter the business interface.
  • the target teller After the terminal device 103 enters the service interface, the target teller generates an identity information verification request by clicking an identity verification button on the terminal device 103, and sends the identity information verification request to the VTM. To verify the identity of the customer.
  • the remote video teller 101 is further configured to display an identity information input prompt according to the identity information verification request, and receive identity information input by the client; verify the identity information, and when the identity information verification is successful, detect the Whether the customer is a debit card user of the bank; when detecting that the customer is not a debit card user of the bank, the debit card is displayed for prompting, and the customer is borrowed when receiving the debit card application instruction input by the customer. Record card processing.
  • the VTM prompts the client to input the identity information on the display interface when receiving the identity information verification request
  • the identity information may be information capable of proving the personal identity of the client.
  • identity card information for example, identity card information, biometric information, and/or image information.
  • the VTM can input the identity information of the client by using an integrated information reading device, and the information reading device can include: a fingerprint/iris identifier, an ID card reader, a camera, etc.
  • the information reading device can include: a fingerprint/iris identifier, an ID card reader, a camera, etc. The embodiment does not limit this.
  • the VTM can verify locally when verifying the entered identity information, or can send the entered information to the server 102, and the server 102 performs verification, and then feeds back the verification result to the VTM. .
  • the VTM will continue to detect whether the client opens the debit card at the bank, that is, whether the client is a debit card user of the bank, and when the client is detected.
  • the preset debit card is displayed on the display interface, and after receiving the confirmation instruction input by the customer, the debit card is processed for the customer.
  • VTM will prompt the customer to handle the credit card.
  • the VTM can be suspended by the customer's previous application for the credit card application, and then will be hung after the debit card is processed.
  • the credit card application interface is displayed to the customer to facilitate the customer to continue the credit card processing.
  • the remote video teller machine when the customer needs to apply for a debit card, responds to the credit card processing instruction input by the customer, and detects whether the customer is a debit card user of the bank, and when the customer is not a debit card user of the bank,
  • the customer's debit card processing can reduce the pressure on the business operations of bank outlets, make full use of the equipment resources of the bank outlets, avoid the customer waiting time is too long, and improve the customer experience.

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Abstract

一种信用卡转开户业务实现方法、设备、系统及存储介质。远程视频柜员机（101）响应客户输入的信用卡申请指令，向服务器（102）发送信用卡办理指令；由服务器(102)为远程视频柜员机(101)分配一处于空闲状态的目标柜员，并将信用卡办理指令发送至所述目标柜员对应的终端设备(103)；终端设备(103)根据信用卡办理指令生成身份信息验证请求，将身份信息验证请求发送至远程视频柜员机(101)；远程视频柜员机(101)根据身份信息验证请求对客户身份信息进行验证，在验证成功时，检测客户是否为本行借记卡用户，在检测到客户不为本行借记卡用户时，展示借记卡办理提示，并在接收到客户输入的借记卡申请指令时为客户进行借记卡办理。

Description

信用卡转开户业务实现方法、设备、系统及存储介质
本申请要求于2018年1月24日提交中国专利局、申请号为201810071042.2、发明名称为“信用卡转开户业务实现方法、设备、系统及存储介质”的中国专利申请的优先权，其全部内容通过引用结合在申请中。
技术领域
本申请涉及互联网技术领域，尤其涉及一种信用卡转开户业务实现方法、设备、系统及存储介质。
背景技术
目前，客户在办理银行业务时大多通过人工柜台进行办理，当个别客户需要一同办理借记卡和信用卡时，单个客户办理业务的耗时较长，当其他客户发现排队办理业务的等待人数较多或等待时间较长时，往往容易选择放弃或到其它银行办理，一方面造成了潜在客户的流失，另一方面也增加了柜员的工作量以及业务压力。而事实上，大多数银行网点都设有远程视频柜员机(Virtual Teller Machine，VTM)这种通过远程视频方式来办理一些柜台业务的机电一体化设备，因此，如何充分利用银行网点的现有VTM机缓解人工柜面的压力，是一个亟待解决的问题。
发明内容
本申请提供了一种信用卡转开户业务实现方法、设备、系统及存储介质，其可降低银行网点工作人员的业务办理压力，充分利用银行网点的设备资源，提高客户的业务办理体验。
为实现上述目的，本申请提供了一种信用卡转开户业务实现方法，所述方法包括以下步骤:
远程视频柜员机响应于客户输入的信用卡申请指令，向服务器发送信用卡办理指令；
所述服务器响应于所述信用卡办理指令，为所述远程视频柜员机分配一处于空闲状态的目标柜员，并将所述信用卡办理指令发送至所述目标柜员对应的终端设备；
所述终端设备根据所述信用卡办理指令生成身份信息验证请求，将所述身份信息验证请求发送至所述远程视频柜员机；
所述远程视频柜员机根据所述身份信息验证请求，展示身份信息输入提示，并接收客户输入的身份信息；
所述远程视频柜员机对所述身份信息进行验证，在身份信息验证成功时，检测所述客户是否为本行借记卡用户，在检测到所述客户不为本行借记卡用户时，展示借记卡办理提示，并在接收到客户输入的借记卡申请指令时为客户进行借记卡办理。
此外，为实现上述目的，本申请还提出一种信用卡转开户业务实现系统，所述系统包括：远程视频柜员机、服务器以及终端设备；
其中，所述远程视频柜员机，用于响应客户输入的信用卡申请指令，向服务器发送信用卡办理指令；
所述服务器，用于响应所述信用卡办理指令，为所述远程视频柜员机分配一处于空闲状态的目标柜员，并将所述信用卡办理指令发送至所述目标柜员对应的终端设备；
所述终端设备，用于根据所述信用卡办理指令生成身份信息验证请求，将所述身份信息验证请求发送至所述远程视频柜员机；
所述远程视频柜员机，还用于根据所述身份信息验证请求，展示身份信息输入提示，并接收客户输入的身份信息；对所述身份信息进行验证，在身份信息验证成功时，检测所述客户是否为本行借记卡用户；在检测到所述客户不为本行借记卡用户时，展示借记卡办理提示，并在接收到客户输入的借记卡申请指令时为客户进行借记卡办理。
此外，为实现上述目的，本申请还提出一种信用卡转开户业务实现设备，其中，所述设备包括存储器、处理器及存储在所述存储器上并可在所述处理器上运行的信用卡转开户业务实现程序，所述信用卡转开户业务实现程序配置为实现如上文所述的信用卡转开户业务实现方法的步骤。
此外，为实现上述目的，本申请还提出一种存储介质，其中，所述存储介质上存储有信用卡转开户业务实现程序，所述信用卡转开户业务实现程序被处理器执行时实现如上文所述的信用卡转开户业务实现方法的步骤。
本申请在客户需要办理信用卡或借记卡开户业务时，通过远程视频柜员机来实现，能够降低银行网点工作人员的业务办理压力，充分利用银行网点的设备资源，避免了客户等待时间过长，提高了客户体验。
附图说明
图1为本申请信用卡转开户业务实现方法第一实施例的流程示意图；
图2为本申请信用卡转开户业务实现方法第二实施例的流程示意图；
图3为本申请信用卡转开户业务实现方法第三实施例的流程示意图；
图4为本申请信用卡转开户业务实现系统第一实施例的结构框图。
本申请目的的实现、功能特点及优点将结合实施例，参照附图做进一步说明。
具体实施方式
应当理解，此处所描述的具体实施例仅用以解释本申请，并不用于限定本申请。
参照图1，图1为本申请信用卡转开户业务实现方法第一实施例的流程示意图。
本实施例中，所述方法包括以下步骤：
步骤S10：远程视频柜员机响应于客户输入的信用卡申请指令，向服务器发送信用卡办理指令；
需要说明的是，本实施例中，所述远程视频柜员机是一种通过远程视频方式来办理一些柜台业务的机电一体化设备，多应用在银行、小贷公司等金融系统。所述服务器可以是与远程视频柜员机（以下简称VTM）连接并进行数据信息交互的网络服务器。
在具体实现中，为便于客户进行业务触发，在VTM的显示界面中，一般会设置不同业务的触发按钮，在客户需要办理信用卡申请业务时，可在VTM的显示界面中通过触摸屏点击信用卡申请对应的触发按钮，VTM响应于客户输入的信用卡申请指令，向服务器发送信用卡办理指令。
进一步地，为了方便客户办理信用卡后进行信用卡领取，在本实施例中，所述VTM在客户点击信用卡申请按钮后，会在显示界面展示信用卡领取方式选择提示，所述信用卡领取方式可包括：在线领卡和寄送等方式，当然也还可以包括其他的领卡方式，本实施例对此不加以限制。VTM接收到客户输入的信用卡领取指令后，会向服务器发送信用卡办理指令。
步骤S20：所述服务器响应于所述信用卡办理指令，为所述远程视频柜员机分配一处于空闲状态的目标柜员，并将所述信用卡办理指令发送至所述目标柜员对应的终端设备；
可理解的是，所述服务器在接收到VTM发送的信用卡办理指令后，响应于该业务办理指令，并为该VTM分配一个处于空闲状态的目标柜员，为当前使用VTM的客户办理相关业务。本实施例中，所述目标柜员可以是从当前时刻处于空闲状态的柜员中随机选择一个柜员进行分配，也可以是其他的分配方式，本实施例对此不加以限制。
在具体实现中，在确定目标柜员后，所述服务器将所述信用卡办理指令发送至该目标柜员对应的终端设备。
步骤S30：所述终端设备根据所述信用卡办理指令生成身份信息验证请求，将所述身份信息验证请求发送至所述远程视频柜员机；
需要说明的是，所述终端设备可以是银行柜员进行业务办理的操作平台，例如个人电脑、笔记本电脑等，本实施例对此不加以限制。
在具体实现中，为了提高柜员的工作效率，该目标柜员对应的终端设备在接收到业务指令（例如，信用卡办理指令）后，会根据所述业务办理指令进入信用卡办理的业务界面，而无需询问客户后再进入到该业务界面。在所述终端设备进入到业务界面后，所述目标柜员通过在所述终端设备上点选身份验证按钮，生成身份信息验证请求，并将所述身份信息验证请求发送至所述远程视频柜员机，以验证客户的身份信息。
步骤S40：所述远程视频柜员机根据所述身份信息验证请求，展示身份信息输入提示，并接收客户输入的身份信息；
可理解的是，为了对客户的身份信息进行验证，VTM在接收到所述身份信息验证请求时，在显示界面提示客户进行身份信息的输入，所述身份信息可以是能够证明客户个人身份的信息，例如身份证信息、生物特征信息、和/或影像信息等。
在具体实现中，VTM可通过自身集成的信息读取装置来对客户的身份信息进行录入，所述信息读取装置可包括：指纹/虹膜识别仪、身份证信息读取器、摄像头等，本实施例对此不加以限制。
可理解的是，VTM在对录入的身份信息进行验证时，可以在本地进行验证，也可以将录入的信息发送至所述服务器，由所述服务器进行验证，然后再反馈验证结果至VTM。
步骤S50：所述远程视频柜员机对所述身份信息进行验证，在身份信息验证成功时，检测所述客户是否为本行借记卡用户，在检测到所述客户不为本行借记卡用户时，展示借记卡办理提示，并在接收到客户输入的借记卡申请指令时为客户进行借记卡办理。
在具体实现中，VTM在对客户的身份信息验证成功时，会继续检测所述客户在本行是否开通过借记卡，即检测所述客户是否为本行借记卡用户，当检测到所述客户不为本行借记卡用户时，在显示界面上展示预设的借记卡办理提示，并在接收到客户输入的确认指令后，为客户进行借记卡办理。相应地，在客户完成借记卡办理后，VTM会提示客户进行信用卡的办理，具体的，所述VTM可通过将客户先前办理信用卡申请的界面挂起，然后在借记卡办理完成后将挂起的信用卡申请界面展示给客户以方便客户继续进行信用卡办理。
本实施例在客户需要办理借记卡时，通过远程视频柜员机来响应客户输入的信用卡办理指令，并检测客户是否为本行的借记卡用户，在客户不是本行借记卡用户时，为客户进行借记卡办理，能够降低银行网点工作人员的业务办理压力，充分利用银行网点的设备资源，避免客户等待时间过长，提高客户体验。
参考图2，图2为本申请信用卡转开户业务实现方法第二实施例的流程示意图。
基于上述第一实施例，本实施例提出的信用卡转开户业务方法中，所述步骤S20可具体包括：
步骤S201：所述服务器查找当前时刻处于空闲状态的柜员，获取处于空闲状态的柜员的用户满意度；
为了提高客户业务办理体验，避免客户长时间等待。本实施例中，所述服务器在接收到业务办理指令时，会查找当前时刻处于空闲状态（即未处理业务）的柜员，并获取处于所述空闲状态的柜员的用户满意度。所述用户满意度可以根据该柜员近段时间（例如：1个月、2个月或半年）内客户对柜员服务的满意程度进行打分后获得的分值。
进一步地，为实现对处于空闲状态的柜员的满意度进行快速查找。本实施例中，所述步骤S201可具体包括：所述服务器查找当前时刻处于空闲状态的柜员，获取处于空闲状态的柜员的身份标识；所述服务器根据所述身份标识在映射关系中查找处于空闲状态的柜员的用户满意度，所述映射关系中存有柜员的身份标识与用户满意度之间的对应关系。其中，所述身份标识可以是柜员的身份证号码，又或是柜员的工号，还可以是其他能够辨别柜员身份的标识信息，本实施例对此不加以限制。
步骤S202：所述服务器按从高到低的顺序对所述用户满意度进行排序，根据排序结果确定目标柜员，并将所述目标柜员分配至所述远程视频柜员机。
所述服务器获取每个处于空闲状态的柜员的用户满意度后，按从高到低的顺序对各柜员的用户满意度进行排序，然后从中选出用户满意度最高或排名相对靠前的柜员作为所述目标柜员，并将所述目标柜员分配至发送所述业务办理指令的VTM，从而为客户办理相应的业务。
在具体实现中，服务器在确定目标柜员后，还会将所述业务办理指令发送至所述目标柜员对应的终端设备。
本实施例所述服务器查找当前时刻处于空闲状态的柜员，获取处于空闲状态的柜员的用户满意度；按从高到低的顺序对所述用户满意度进行排序，根据排序结果确定目标柜员，并将所述目标柜员分配至所述远程视频柜员机，从而保证了服务质量，提高了银行网点的业务办理效率，避免了客户办理业务时长时间等待情况的发生。
参考图3，图3为本申请信用卡转开户业务实现方法第三实施例的流程示意图。
基于上述各实施例，本实施例提出的信用卡转开户业务实现方法中，所述步骤S50可具体包括：
步骤S501：所述远程视频柜员机将所述身份信息发送至公安系统进行联网验证；
需要说明的是，VTM在接收到身份信息验证请求后，会在显示界面提示客户进行身份信息输入。本实施例中，所述身份信息可包括证件信息，所述证件信息可以是身份证信息。
本步骤中，所述公安系统将系统内预存的该客户的证件信息与VTM发送的证件信息进行比对验证；在验证成功时，反馈与所述身份信息对应的客户照片。当然，所述公安系统对证件信息验证不通过时，会反馈验证不通过的提醒信息。
步骤S502：所述远程视频柜员机接收所述公安系统反馈的与所述身份信息对应的客户照片，并检测所述客户是否为本行借记卡用户，所述客户照片为所述公安系统对所述证件信息联网验证通过时反馈；
可以理解的是，为了避免他人代办的情况发生，本实施例中，所述步骤S502可包括：所述远程视频柜员机接收所述公安系统反馈的与所述身份信息对应的客户照片；采集客户影像信息，将所述客户影像信息与所述客户照片进行匹配，在匹配成功时检测所述客户是否为本行借记卡用户。具体的VTM可通过集成在VTM上的摄像头来采集客户当前的影像信息，并进行影像信息验证。
在本实施例中，具体的影像信息与客户照片的匹配过程可以是：所述远程视频柜员机通过摄像头采集客户的影像信息；确定所述影像信息和客户照片的脸部轮廓线，根据所述脸部轮廓线分别提取所述影像信息中的第一人脸图像和客户照片中的第二人脸图像；对所述第一人脸图像和第二人脸图像进行调整，以使所述第一人脸图像和第二人脸图像的大小相同；对所述第一人脸图像和第二人脸图像分别进行特征点提取，并将提取的特征点进行匹配验证。
可理解的是，一般情况下公安系统内预存的客户照片为客户早期办理身份证件或其他证件时拍摄的客户照片，随着年龄的增长，客户的相貌可能会发生改变。因此，在对提取的特征点进行匹配验证时，可预设一个匹配阈值来对当前获取的特征点的匹配度进行判断。例如：VTM对客户的第一人脸图像和第二人脸图像分别进行特征点提取，在将提取的特征点进行匹配后，得到的匹配度为85%，超过了预先设定的匹配阈值75%，则可判定当前客户与身份证件对应的客户为同一人。当然，本实施例中，所述匹配阈值可以根据实际情况设定，本实施例对此不加以限制。
在具体实现中，当VTM在对客户进行身份信息验证通过时，会检测该客户在本行是否有开通过借记卡。
步骤S503：在检测到所述客户不为本行借记卡用户时，展示借记卡办理提示，并在接收到客户输入的借记卡申请指令时为客户进行借记卡办理。
VTM在检测到客户之前未在本行办理过借记卡，即所述客户不为本行借记卡用户时，在显示界面上展示借记卡办理提示，以提示客户先办理本行借记卡再办理本行的信用卡；因此，VTM在接收到客户输入的借记卡申请指令时为客户进行借记卡办理。
进一步地，本实施例中，所述信用卡转开户业务实现方法在所述步骤S502之后，还包括：所述远程视频柜员机在检测到所述客户为本行借记卡用户时，展示信用卡申请信息输入提示；接收所述客户输入的信用卡申请信息，根据所述信用卡申请信息进行个人征信核查，在所述个人征信核查通过时，为所述客户进行信用卡办理。
本实施例中，远程视频柜员机通过对获取的客户的身份信息进行验证，在验证成功时，检测客户是否为本行借记卡用户；在客户不为本行借记卡用户时，展示借记卡办理提示，并在接收到客户输入的借记卡申请指令时为客户进行借记卡办理；在客户为本行借记卡用户时，展示信用卡申请信息输入提示，接收所述客户输入的信用卡申请信息，根据所述信用卡申请信息进行个人征信核查，在所述个人征信核查通过时，为所述客户进行信用卡办理，能够优化客户的业务办理体验，避免用户排队等待，节约用户时间。
此外，本申请实施例还提供一种信用卡转开户业务实现设备，所述设备包括存储器、处理器及存储在所述存储器上并可在所述处理器上运行的信用卡转开户业务实现程序，所述信用卡转开户业务实现程序配置为实现如上实施例所述的信用卡转开户业务实现方法的步骤。
此外，本申请实施例还提供一种计算机可读存储介质，所述计算机可读存储介质上存储有信用卡转开户业务实现程序，所述信用卡转开户业务实现程序被处理器执行时实现如上实施例所述的信用卡转开户业务实现方法的步骤。
参考图4，图4为本申请信用卡转开户业务实现系统第一实施例的结构框图。
如图4所示，本实施例提出的信用卡转开户业务实现系统包括：远程视频柜员机101、服务器102以及终端设备103；
其中，所述远程视频柜员机101，用于响应客户输入的信用卡申请指令，向服务器102发送信用卡办理指令；
可理解的是，所述远程视频柜员机101、服务器102以及终端设备103之间相互连接，且可进行数据交互。它们之间的连接方式可以是有线连接，也可以是无线连接，本实施例对此不加以限制。
需要说明的是，本实施例中，所述远程视频柜员机101是一种通过远程视频方式来办理一些柜台业务的机电一体化设备，多应用在银行、小贷公司等金融系统。所述服务器102可以是与远程视频柜员机101（以下简称VTM）连接并进行数据信息交互的网络服务器。
在具体实现中，为便于客户进行业务触发，在VTM的显示界面中，一般会设置不同业务的触发按钮，在客户需要办理信用卡申请业务时，可在VTM的显示界面中通过触摸屏点击信用卡申请对应的触发按钮，VTM响应于客户输入的信用卡申请指令，向服务器102发送信用卡办理指令。
进一步地，为了方便客户办理信用卡后进行信用卡领取，在本实施例中，所述VTM，还用于在客户点击信用卡申请按钮后，会在显示界面展示信用卡领取方式选择提示，所述信用卡领取方式可包括：在线领卡和寄送等方式，当然也还可以包括其他的领卡方式，本实施例对此不加以限制，相应地，所述VTM在接收到客户输入的信用卡领取指令后，会向服务器102发送信用卡办理指令。
所述服务器102，用于响应所述信用卡办理指令，为所述远程视频柜员机101分配一处于空闲状态的目标柜员，并将所述信用卡办理指令发送至所述目标柜员对应的终端设备103；
可理解的是，所述服务器102在接收到VTM发送的信用卡办理指令后，响应于该业务办理指令，并为该VTM分配一个处于空闲状态的目标柜员，为当前使用VTM的客户办理相关业务。本实施例中，所述目标柜员可以是从当前时刻处于空闲状态的柜员中随机选择一个柜员进行分配，也可以是其他的分配方式，本实施例对此不加以限制。
在具体实现中，在确定目标柜员后，所述服务器102将所述信用卡办理指令发送至该目标柜员对应的终端设备103。
所述终端设备103，用于根据所述信用卡办理指令生成身份信息验证请求，将所述身份信息验证请求发送至所述远程视频柜员机101；
需要说明的是，所述终端设备103可以是银行柜员进行业务办理的操作平台，例如个人电脑、笔记本电脑等，本实施例对此不加以限制。
在具体实现中，为了提高柜员的工作效率，该目标柜员对应的终端设备103在接收到业务指令（例如，信用卡办理指令）后，会根据所述业务办理指令进入信用卡办理的业务界面，而无需询问客户后再进入到该业务界面。在所述终端设备103进入到业务界面后，所述目标柜员通过在所述终端设备103上点选身份验证按钮，生成身份信息验证请求，并将所述身份信息验证请求发送至所述VTM，以验证客户的身份信息。
所述远程视频柜员机101，还用于根据所述身份信息验证请求，展示身份信息输入提示，并接收客户输入的身份信息；对所述身份信息进行验证，在身份信息验证成功时，检测所述客户是否为本行借记卡用户；在检测到所述客户不为本行借记卡用户时，展示借记卡办理提示，并在接收到客户输入的借记卡申请指令时为客户进行借记卡办理。
可理解的是，为了对客户的身份信息进行验证，VTM在接收到所述身份信息验证请求时，在显示界面提示客户进行身份信息的输入，所述身份信息可以是能够证明客户个人身份的信息，例如身份证信息、生物特征信息、和/或影像信息等。
在具体实现中，VTM可通过自身集成的信息读取装置来对客户的身份信息进行录入，所述信息读取装置可包括：指纹/虹膜识别仪、身份证信息读取器、摄像头等，本实施例对此不加以限制。
可理解的是，VTM在对录入的身份信息进行验证时，可以在本地进行验证，也可以将录入的信息发送至所述服务器102，由所述服务器102进行验证，然后再反馈验证结果至VTM。
进一步地，VTM在对客户的身份信息验证成功时，会继续检测所述客户在本行是否开通过借记卡，即检测所述客户是否为本行借记卡用户，当检测到所述客户不为本行借记卡用户时，在显示界面上展示预设的借记卡办理提示，并在接收到客户输入的确认指令后，为客户进行借记卡办理。相应地，在客户完成借记卡办理后，VTM会提示客户进行信用卡的办理，具体的，所述VTM可通过将客户先前办理信用卡申请的界面挂起，然后在借记卡办理完成后将挂起的信用卡申请界面展示给客户以方便客户继续进行信用卡办理。
本实施例在客户需要办理借记卡时，通过远程视频柜员机来响应客户输入的信用卡办理指令，并检测客户是否为本行的借记卡用户，在客户不是本行借记卡用户时，为客户进行借记卡办理，能够降低银行网点工作人员的业务办理压力，充分利用银行网点的设备资源，避免客户等待时间过长，提高客户体验。
本申请信用卡转开户业务实现系统的其他实施例或具体实现方式可参照上述各方法实施例，此处不再赘述。
需要说明的是，在本文中，术语“包括”、“包含”或者其任何其它变体意在涵盖非排他性的包含，从而使得包括一系列要素的过程、方法、物品或者系统不仅包括那些要素，而且还包括没有明确列出的其它要素，或者是还包括为这种过程、方法、物品或者系统所固有的要素。在没有更多限制的情况下，由语句“包括一个……”限定的要素，并不排除在包括该要素的过程、方法、物品或者系统中还存在另外的相同要素。
上述本申请实施例序号仅仅为了描述，不代表实施例的优劣。
通过以上的实施方式的描述，本领域的技术人员可以清楚地了解到上述实施例方法可借助软件加必需的通用硬件平台的方式来实现，当然也可以通过硬件，但很多情况下前者是更佳的实施方式。
以上仅为本申请的优选实施例，并非因此限制本申请的专利范围，凡是利用本申请说明书及附图内容所作的等效结构或等效流程变换，或直接或间接运用在其它相关的技术领域，均同理包括在本申请的专利保护范围内。

Claims (28)

  1. 一种信用卡转开户业务实现方法，其中，所述方法包括：
    远程视频柜员机响应于客户输入的信用卡申请指令，向服务器发送信用卡办理指令；
    所述服务器响应于所述信用卡办理指令，为所述远程视频柜员机分配一处于空闲状态的目标柜员，并将所述信用卡办理指令发送至所述目标柜员对应的终端设备；
    所述终端设备根据所述信用卡办理指令生成身份信息验证请求，将所述身份信息验证请求发送至所述远程视频柜员机；
    所述远程视频柜员机根据所述身份信息验证请求，展示身份信息输入提示，并接收客户输入的身份信息；
    所述远程视频柜员机对所述身份信息进行验证，在身份信息验证成功时，检测所述客户是否为本行借记卡用户，在检测到所述客户不为本行借记卡用户时，展示借记卡办理提示，并在接收到客户输入的借记卡申请指令时为客户进行借记卡办理。
  2. 如权利要求1所述的方法，其中，所述远程视频柜员机响应于客户输入的信用卡申请指令，向服务器发送信用卡办理指令，具体包括：
    所述远程视频柜员机响应于客户输入的信用卡申请指令，展示信用卡领取方式选择提示，所述信用卡领取方式包括在线发卡和寄送；
    所述远程视频柜员机接收客户输入的信用卡领取指令，向服务器发送信用卡办理指令。
  3. 如权利要求1所述的方法，其中，所述服务器响应于所述信用卡办理指令，为所述远程视频柜员机分配一处于空闲状态的目标柜员，具体包括：
    所述服务器查找当前时刻处于空闲状态的柜员，获取处于空闲状态的柜员的用户满意度；
    所述服务器按从高到低的顺序对所述用户满意度进行排序，根据排序结果确定目标柜员，并将所述目标柜员分配至所述远程视频柜员机。
  4. 如权利要求3所述的方法，其中，所述服务器查找当前时刻处于空闲状态的柜员，获取处于空闲状态的柜员的用户满意度，具体包括：
    所述服务器查找当前时刻处于空闲状态的柜员，获取处于空闲状态的柜员的身份标识；
    所述服务器根据所述身份标识在映射关系中查找处于空闲状态的柜员的用户满意度，所述映射关系中存有柜员的身份标识与用户满意度之间的对应关系。
  5. 如权利要求4所述的方法，其中，所述远程视频柜员机对所述身份信息进行验证，在身份信息验证成功时，检测所述客户是否为本行借记卡用户，具体包括：
    所述远程视频柜员机将所述身份信息发送至公安系统进行联网验证；
    所述远程视频柜员机接收所述公安系统反馈的与所述身份信息对应的客户照片，并检测所述客户是否为本行借记卡用户，所述客户照片为所述公安系统对所述证件信息联网验证通过时反馈。
  6. 如权利要求5所述的方法，其中，所述远程视频柜员机接收所述公安系统反馈的与所述身份信息对应的客户照片，并检测所述客户是否为本行借记卡用户，具体包括：
    所述远程视频柜员机接收所述公安系统反馈的与所述身份信息对应的客户照片；
    所述远程视频柜员机采集客户影像信息，将所述客户影像信息与所述客户照片进行匹配，在匹配成功时检测所述客户是否为本行借记卡用户。
  7. 如权利要求6所述的方法，其中，所述远程视频柜员机接收所述公安系统反馈的与所述身份信息对应的客户照片，并检测所述客户是否为本行借记卡用户之后，所述方法还包括：
    所述远程视频柜员机在检测到所述客户为本行借记卡用户时，展示信用卡申请信息输入提示；
    所述远程视频柜员机接收所述客户输入的信用卡申请信息，根据所述信用卡申请信息进行个人征信核查，在所述个人征信核查通过时，为所述客户完成信用卡办理。
  8. 一种信用卡转开户业务实现系统，其中，所述信用卡转开户业务实现系统包括：远程视频柜员机、服务器以及终端设备
    其中，所述远程视频柜员机，用于响应客户输入的信用卡申请指令，向服务器发送信用卡办理指令；
    所述服务器，用于响应所述信用卡办理指令，为所述远程视频柜员机分配一处于空闲状态的目标柜员，并将所述信用卡办理指令发送至所述目标柜员对应的终端设备；
    所述终端设备，用于根据所述信用卡办理指令生成身份信息验证请求，将所述身份信息验证请求发送至所述远程视频柜员机；
    所述远程视频柜员机，还用于根据所述身份信息验证请求，展示身份信息输入提示，并接收客户输入的身份信息；对所述身份信息进行验证，在身份信息验证成功时，检测所述客户是否为本行借记卡用户；在检测到所述客户不为本行借记卡用户时，展示借记卡办理提示，并在接收到客户输入的借记卡申请指令时为客户进行借记卡办理。
  9. 如权利要求8所述的信用卡转开户业务实现系统，其中，所述远程视频柜员机，还用于响应于客户输入的信用卡申请指令，展示信用卡领取方式选择提示，所述信用卡领取方式包括在线发卡和寄送；
    所述远程视频柜员机，还用于接收客户输入的信用卡领取指令，向服务器发送信用卡办理指令。
  10. 如权利要求8所述的信用卡转开户业务实现系统，其中，所述服务器，还用于查找当前时刻处于空闲状态的柜员，获取处于空闲状态的柜员的用户满意度；
    所述服务器，还用于按从高到低的顺序对所述用户满意度进行排序，根据排序结果确定目标柜员，并将所述目标柜员分配至所述远程视频柜员机。
  11. 如权利要求10所述的信用卡转开户业务实现系统，其中，所述服务器，还用于查找当前时刻处于空闲状态的柜员，获取处于空闲状态的柜员的身份标识；
    所述服务器，还用于根据所述身份标识在映射关系中查找处于空闲状态的柜员的用户满意度，所述映射关系中存有柜员的身份标识与用户满意度之间的对应关系。
  12. 如权利要求11所述的信用卡转开户业务实现系统，其中，所述远程视频柜员机，还用于将所述身份信息发送至公安系统进行联网验证；
    所述远程视频柜员机，还用于接收所述公安系统反馈的与所述身份信息对应的客户照片，并检测所述客户是否为本行借记卡用户，所述客户照片为所述公安系统对所述证件信息联网验证通过时反馈。
  13. 如权利要求12所述的信用卡转开户业务实现系统，其中，所述远程视频柜员机，还用于接收所述公安系统反馈的与所述身份信息对应的客户照片；
    所述远程视频柜员机，还用于采集客户影像信息，将所述客户影像信息与所述客户照片进行匹配，在匹配成功时检测所述客户是否为本行借记卡用户。
  14. 如权利要求13所述的信用卡转开户业务实现系统，其中，所述远程视频柜员机，还用于在检测到所述客户为本行借记卡用户时，展示信用卡申请信息输入提示；
    所述远程视频柜员机，还用于接收所述客户输入的信用卡申请信息，根据所述信用卡申请信息进行个人征信核查，在所述个人征信核查通过时，为所述客户完成信用卡办理。
  15. 一种信用卡转开户业务实现设备，其中，所述设备包括存储器、处理器及存储在所述存储器上并可在所述处理器上运行的信用卡转开户业务实现程序，所述信用卡转开户业务实现程序配置为实现如下步骤：
    远程视频柜员机响应于客户输入的信用卡申请指令，向服务器发送信用卡办理指令；
    所述服务器响应于所述信用卡办理指令，为所述远程视频柜员机分配一处于空闲状态的目标柜员，并将所述信用卡办理指令发送至所述目标柜员对应的终端设备；
    所述终端设备根据所述信用卡办理指令生成身份信息验证请求，将所述身份信息验证请求发送至所述远程视频柜员机；
    所述远程视频柜员机根据所述身份信息验证请求，展示身份信息输入提示，并接收客户输入的身份信息；
    所述远程视频柜员机对所述身份信息进行验证，在身份信息验证成功时，检测所述客户是否为本行借记卡用户，在检测到所述客户不为本行借记卡用户时，展示借记卡办理提示，并在接收到客户输入的借记卡申请指令时为客户进行借记卡办理。
  16. 如权利要求15的所述信用卡转开户业务实现设备，其中，所述信用卡转开户业务实现程序配置为实现如下步骤：
    所述远程视频柜员机响应于客户输入的信用卡申请指令，展示信用卡领取方式选择提示，所述信用卡领取方式包括在线发卡和寄送；
    所述远程视频柜员机接收客户输入的信用卡领取指令，向服务器发送信用卡办理指令。
  17. 如权利要求15的所述信用卡转开户业务实现设备，其中，所述信用卡转开户业务实现程序配置为实现如下步骤：
    所述服务器查找当前时刻处于空闲状态的柜员，获取处于空闲状态的柜员的用户满意度；
    所述服务器按从高到低的顺序对所述用户满意度进行排序，根据排序结果确定目标柜员，并将所述目标柜员分配至所述远程视频柜员机。
  18. 如权利要求17的所述信用卡转开户业务实现设备，其中，所述信用卡转开户业务实现程序配置为实现如下步骤：
    所述服务器查找当前时刻处于空闲状态的柜员，获取处于空闲状态的柜员的身份标识；
    所述服务器根据所述身份标识在映射关系中查找处于空闲状态的柜员的用户满意度，所述映射关系中存有柜员的身份标识与用户满意度之间的对应关系。
  19. 如权利要求18的所述信用卡转开户业务实现设备，其中，所述信用卡转开户业务实现程序配置为实现如下步骤：
    所述远程视频柜员机将所述身份信息发送至公安系统进行联网验证；
    所述远程视频柜员机接收所述公安系统反馈的与所述身份信息对应的客户照片，并检测所述客户是否为本行借记卡用户，所述客户照片为所述公安系统对所述证件信息联网验证通过时反馈。
  20. 如权利要求19的所述信用卡转开户业务实现设备，其中，所述信用卡转开户业务实现程序配置为实现如下步骤：
    所述远程视频柜员机接收所述公安系统反馈的与所述身份信息对应的客户照片；
    所述远程视频柜员机采集客户影像信息，将所述客户影像信息与所述客户照片进行匹配，在匹配成功时检测所述客户是否为本行借记卡用户。
  21. 如权利要求20的所述信用卡转开户业务实现设备，其中，所述信用卡转开户业务实现程序配置为实现如下步骤：
    所述远程视频柜员机在检测到所述客户为本行借记卡用户时，展示信用卡申请信息输入提示；
    所述远程视频柜员机接收所述客户输入的信用卡申请信息，根据所述信用卡申请信息进行个人征信核查，在所述个人征信核查通过时，为所述客户完成信用卡办理。
  22. 一种存储介质，其中，所述存储介质上存储有信用卡转开户业务实现程序，所述信用卡转开户业务实现程序被处理器执行时实现如下步骤：
    远程视频柜员机响应于客户输入的信用卡申请指令，向服务器发送信用卡办理指令；
    所述服务器响应于所述信用卡办理指令，为所述远程视频柜员机分配一处于空闲状态的目标柜员，并将所述信用卡办理指令发送至所述目标柜员对应的终端设备；
    所述终端设备根据所述信用卡办理指令生成身份信息验证请求，将所述身份信息验证请求发送至所述远程视频柜员机；
    所述远程视频柜员机根据所述身份信息验证请求，展示身份信息输入提示，并接收客户输入的身份信息；
    所述远程视频柜员机对所述身份信息进行验证，在身份信息验证成功时，检测所述客户是否为本行借记卡用户，在检测到所述客户不为本行借记卡用户时，展示借记卡办理提示，并在接收到客户输入的借记卡申请指令时为客户进行借记卡办理。
  23. 如权利要求22所述的存储介质，其中，所述信用卡转开户业务实现程序被处理器执行时实现如下步骤：
    所述远程视频柜员机响应于客户输入的信用卡申请指令，展示信用卡领取方式选择提示，所述信用卡领取方式包括在线发卡和寄送；
    所述远程视频柜员机接收客户输入的信用卡领取指令，向服务器发送信用卡办理指令。
  24. 如权利要求22所述的存储介质，其中，所述信用卡转开户业务实现程序被处理器执行时实现如下步骤：
    所述服务器查找当前时刻处于空闲状态的柜员，获取处于空闲状态的柜员的用户满意度；
    所述服务器按从高到低的顺序对所述用户满意度进行排序，根据排序结果确定目标柜员，并将所述目标柜员分配至所述远程视频柜员机。
  25. 如权利要求24所述的存储介质，其中，所述信用卡转开户业务实现程序被处理器执行时实现如下步骤：
    所述服务器查找当前时刻处于空闲状态的柜员，获取处于空闲状态的柜员的身份标识；
    所述服务器根据所述身份标识在映射关系中查找处于空闲状态的柜员的用户满意度，所述映射关系中存有柜员的身份标识与用户满意度之间的对应关系。
  26. 如权利要求25所述的存储介质，其中，所述信用卡转开户业务实现程序被处理器执行时实现如下步骤：
    所述远程视频柜员机将所述身份信息发送至公安系统进行联网验证；
    所述远程视频柜员机接收所述公安系统反馈的与所述身份信息对应的客户照片，并检测所述客户是否为本行借记卡用户，所述客户照片为所述公安系统对所述证件信息联网验证通过时反馈。
  27. 如权利要求26所述的存储介质，其中，所述信用卡转开户业务实现程序被处理器执行时实现如下步骤：
    所述远程视频柜员机接收所述公安系统反馈的与所述身份信息对应的客户照片；
    所述远程视频柜员机采集客户影像信息，将所述客户影像信息与所述客户照片进行匹配，在匹配成功时检测所述客户是否为本行借记卡用户。
  28. 如权利要求27所述的存储介质，其中，所述信用卡转开户业务实现程序被处理器执行时实现如下步骤：
    所述远程视频柜员机在检测到所述客户为本行借记卡用户时，展示信用卡申请信息输入提示；
    所述远程视频柜员机接收所述客户输入的信用卡申请信息，根据所述信用卡申请信息进行个人征信核查，在所述个人征信核查通过时，为所述客户完成信用卡办理。
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