Bank counter business self-service system

Abstract

The invention discloses a bank counter business self-service system. The bank counter business self-service system comprises a smart desktop and an automatic cash machine provided with a coin processing module. According to the invention, the smart desktop is employed to replace conventional high-low bank counters, and the smart desktop is combined with the automatic cash machine with a coin processing function, and therefore complete mechanization and automation of cash processing of conventional bank counter business can be achieved in the bank counter business self-service system; self-service of all counter business is achieved, i.e., a client can operate the bank counter business self-service system himself, and tellers do not participate in business processes any longer; and counter documents are all electronized, and therefore the business efficiency can be greatly improved.

Description

technical field [0001] The invention relates to a bank counter service self-service system, in particular to a self-service system capable of automatically handling all bank counter services. Background technique [0002] With the development of the national economy, there are more and more bank outlets. Banking business can be divided into "simple business" and "complex business": simple business refers to all counter business, which has obvious characteristics of standardization; business such as credit granting and wealth management is complex business, and its distinctive feature is individualization. [0003] At present, the common problem of "long queuing time" in handling "simple business" in bank outlets has been criticized by consumers, especially during peak consumption and travel periods such as holidays and lunch breaks, long queues often form in front of bank counters. Sina Weibo survey shows that 42.9% of netizens choose 20-40 minutes. Only less than 14.3% of...

AI Technical Summary

Problems solved by technology

[0003] At present, the common problem of "long queuing time" in handling "simple business" in bank outlets has been criticized by consumers, especially during peak consumption and travel periods such as holidays and lunch breaks, long queues often form in front of bank counters

In addition, according to a survey conducted by the IBM Institute for Business Value, domestic bank outlets spend less than 20% of their time on sales, while 80% of their time is spent on transactions, back-office processing and administrative management. The efficiency of outlets is low.

However, complex operating procedures, users' concerns about safety, the inability to handle cash business, and the business that must be handled over the counter in order to prevent risks, such as opening an account, have certain limitations in electronic channels.

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