Network sales service system and method

[0047] Example 1

[0048] figure 1 A functional block diagram of the network point sales service system in this embodiment is shown. Such as figure 1 As shown, the outlet sales service system includes a self-service terminal 10, a business terminal 20 and a server 30. Among them, the self-service terminal 10 is installed on any financial institution branch of the financial institution. The service terminal 20 may be a mobile terminal such as a smart terminal, a tablet computer, or a PAD, which is convenient to carry around. The server 30 may be a cloud server applied to a financial institution. Among them, the self-service terminal 10 and the server 30 can be connected through a wired network communication to realize information and data transmission. The service terminal 20 and the server 30 can be connected via WiFi network, 3G network or 4G network communication to realize information and data transmission.

[0049] The self-service terminal 10 is used to obtain surveillance image information and send the surveillance image information to the server 30; the surveillance image information includes the self-service terminal ID and the face image.

[0050] Wherein, the self-service terminal ID in the surveillance image information is used to uniquely identify the self-service terminal 10 that sends the surveillance image information, and may be the MAC address of the self-service terminal 10 or other identifiers set according to a preset encoding rule. The face image is the face image of the customer collected in real time within the monitoring range of the self-service terminal 10, so as to determine whether the customer is a customer of the financial institution to which the branch belongs based on the face image.

[0051] Further, the process for the self-service terminal 10 to obtain monitoring image information includes the following steps:

[0052] S11: Collect video images within the monitoring range of the self-service terminal 10.

[0053] Specifically, the self-service terminal 10 is equipped with a touch screen, a camera set above the touch screen, and a processor connected to the touch screen and the camera. The camera captures the video images within the monitoring range of the self-service terminal 10 in real time, and Send the video image to the processor.

[0054] S12: Perform face detection on each frame of video image to obtain a face image.

[0055] When the processor of the self-service terminal 10 receives a video image, it uses a face detection algorithm for face detection on each frame of the captured video image to determine whether there is a face image in the video image. If there is a face image, Then obtain the face image in the video image.

[0056] S13: Determine whether at least two face images detected within the preset time are the same face image.

[0057] Wherein, the preset time is the time preset by the system for judging the stay of the customer at the self-service terminal 10, which can be 3-5 seconds. Within the preset time, if the face images in at least two frames of video images collected by the self-service terminal 10 are all the same face image, it is determined that the customer corresponding to the face image has stayed at the self-service terminal 10 within the preset time. Within the scope of monitoring to determine that it is a customer who needs to provide services, rather than a customer passing through the self-service terminal 10 accidentally.

[0058] S14: If yes, form surveillance image information based on the self-service terminal ID and the face image.

[0059] Understandably, when at least two facial images detected by the same self-service terminal 10 within a preset time are facial images of the same customer, monitoring image information is formed based on the self-service terminal ID and the facial image. The monitoring image information is associated with the self-service terminal ID and the face image to determine that the monitoring image information is formed by the self-service terminal 10 corresponding to the self-service terminal ID.

[0060] The service terminal 20 is configured to send location information to the server 30 in real time, and the location information includes the wealth management manager ID and location information.

[0061] The business terminal 20 can be a smart terminal, a tablet computer, a PAD, or other mobile terminal that can move with the wealth management manager. The business terminal 20 has a built-in GPS module that can obtain location information and is formed based on the location information with the wealth management manager ID corresponding to the business terminal 20 Positioning information. The business terminal 20 sends positioning information to the server 30 in real time, so that when the server 30 receives the positioning information, it can determine which financial manager sent the positioning information according to the financial manager ID in the positioning information, and according to the information in the positioning information The location information understands the current location of the financial manager. Among them, the wealth management manager ID can uniquely identify the corresponding wealth management manager, and it can be the work number of the wealth management manager or other accounts registered and logged in the financial institution.

[0062] The server 30 is used to receive monitoring image information and positioning information, and determine whether the customer information corresponding to the face image is stored in the customer feature database; if so, determine the target wealth management manager ID according to the positioning information and the customer information, and send the customer information Give the business terminal 20 corresponding to the target financial manager ID.

[0063] Specifically, the server 30 may receive monitoring image information sent by multiple self-service terminals 10 and positioning information sent by multiple service terminals 20 in real time. Each time the server 30 receives a piece of surveillance image information, it acquires the face image in the surveillance image information; then it uses a face recognition algorithm to determine whether there is customer information corresponding to the face image in the customer feature database of the financial institution; if stored If there is corresponding customer information, it means that the customers currently within the monitoring range of the self-service terminal 10 are customers who have already handled the corresponding business in the financial institution. Moreover, when the customer information of the customer is stored in the customer feature database, the server 30 will then determine a target financial manager suitable for receiving the customer based on the received positioning information and customer information, and then send the customer information to the target financial manager The service terminal 20 corresponding to the ID. Further, when the server 30 sends the customer information to the business terminal 20 corresponding to the target wealth management manager ID, it can send the customer information and the self-service terminal ID to the business terminal 20 corresponding to the target wealth management manager ID, so that the customer can be received. The information service terminal 20 can display the self-service terminal ID while displaying customer information.

[0064] Specifically, the specific process for the server 30 to determine whether the customer information corresponding to the face image is stored in the customer feature database includes: sequentially determining the customer feature database of the branch wealth management manager, the customer feature database of the branch, the regional customer feature database, and the entire network. Whether the customer information corresponding to the face image is stored in the customer feature database. That is, according to the priority of the customer feature library, it is judged whether the customer information corresponding to the face image is stored level by level. If the customer feature library with the first priority stores the corresponding customer information, there is no need to judge the customer with the next priority. Whether the corresponding customer information is stored in the customer feature database. The priority sequence of the customer feature database is determined by the quantity of customer information in the customer feature database. The more customer information, the lower the priority; conversely, the less the customer information, the higher the priority. In this embodiment, a step-by-step judgment is adopted to determine whether the customer information is stored in the customer feature database, which can improve the matching processing efficiency to a certain extent and save the judgment time.

[0065] Specifically, customer information includes not only facial images, but also user portrait data of user income, assets, liabilities, financial management, investment and other property information, so that the target financial manager can recommend more suitable products to customers based on the user portrait data Or services to improve customer satisfaction with the services of outlets or financial institutions and avoid the loss of customer resources. Understandably, the customer information may also include an account manager ID, and the account manager ID is used to point to the wealth management manager who provided services to the client in advance.

[0066] Specifically, the process of the server 30 determining the target wealth management manager ID according to the positioning information and the customer information includes the following steps:

[0067] S31: According to the location information in the positioning information, obtain all wealth management manager IDs within a preset range from the self-service terminal 10 to form a wealth management manager list.

[0068] Understandably, when the server 30 receives the monitoring image information sent by the self-service terminal 10, it can determine its spatial location according to the self-service terminal ID; the server 30 receives the positioning information sent by multiple service terminals 20 in real time, and calculates each service terminal 20 separately. The distance of the self-service terminal 10 corresponding to the self-service terminal ID is to obtain all the wealth management manager IDs within a preset range from the self-service terminal 10, and form a wealth management manager list based on the wealth management manager ID according to the distance.

[0069] S32: Determine whether the account manager ID is in the wealth management manager list. If so, use the account manager ID as the target wealth management manager ID; if not, use the wealth management manager ID closest to the self-service terminal 10 as the target wealth management manager ID.

[0070] Specifically, when the server 30 determines that the customer information corresponding to the face image is stored in the customer feature database, it needs to determine whether the account manager ID in the customer information is in the wealth management manager list. If the account manager ID is in the wealth management manager list, the management manager ID is used as the target wealth management manager ID, so that the target wealth management manager corresponding to the account manager ID can continue to provide corresponding services to the customer and ensure the continuity of customer service. If the account manager ID is not in the list of wealth management managers, the wealth management manager ID closest to the self-service terminal 10 is used as the target wealth management manager ID, so that the wealth management manager corresponding to the target wealth management manager ID is closest to the customer, thereby ensuring that the target wealth management manager can be more Provide customers with services in a timely manner, improve customer satisfaction with the services of outlets or financial institutions, and avoid the loss of customer resources.

[0071] The service terminal 20 is used to receive and display customer information.

[0072] Specifically, the business terminal 20 corresponding to the target wealth management manager ID can receive and display customer information, so that the target wealth management manager can view the customer information so as to provide customers with appropriate financial products or services based on the customer information. If the server 30 sends customer information to the business terminal 20 at the same time, it sends the self-service terminal ID, so that the target financial manager can quickly find the customer staying in front of the self-service terminal 10 corresponding to the self-service terminal ID according to the self-service terminal ID, and provide related services, In order to improve customer satisfaction to a certain extent.

[0073] In the outlet sales service system provided in this embodiment, the self-service terminal 10 can send the collected monitoring image information to the server 30, and the service terminal 20 sends the positioning information to the server 30 in real time, so that the server 30 can determine whether or not according to the monitoring image information Store the corresponding customer information, and when the customer information is stored, send the customer information to the business terminal 20 corresponding to the target wealth management manager ID so that the business terminal 20 can display the customer information so that the target wealth management manager can follow the business terminal 20 The displayed customer information can recommend financial products or services that are more suitable for the customer, so as to improve the customer's service satisfaction with the branch or financial institution and avoid the loss of customer resources.

[0074] In a specific embodiment, the outlet sales service system further includes:

[0075] The business terminal 20 is also used to receive the control instruction input by the wealth management manager corresponding to the target wealth management manager ID, and send the control instruction to the server 30; the control instruction includes at least one product ID.

[0076] Understandably, the target financial manager corresponding to the target financial manager ID, after viewing the customer information displayed on the business terminal 20, determines the financial product or service suitable for the customer according to the customer information, and inputs the product ID corresponding to the financial product or service into The service terminal 20 forms a control instruction; then, click the OK button on the service terminal 20 to send the control instruction to the server 30.

[0077] The server 30 is also configured to receive control instructions, obtain financial product information corresponding to the product ID according to the control instructions, and send the financial product information to the self-service terminal 10.

[0078] Specifically, after receiving the control instruction uploaded by the service terminal 20, the server 30 obtains financial product information corresponding to at least one product ID according to the control instruction. Understandably, the financial product information may be financial product information corresponding to one product ID, or financial product information such as two or more product information comparison charts, profit index comparison charts, and so on.

[0079] The self-service terminal 10 is also used to receive and display financial product information.

[0080] Specifically, the self-service terminal 10 can receive and display financial product information corresponding to one product ID, and can also receive and display financial product information such as a product information comparison chart and a profit index comparison chart corresponding to at least two product IDs. Understandably, the large screen of the self-service terminal 10 displays financial product information, and the target wealth management manager corresponding to the target wealth management manager ID provides explanations based on the financial product information displayed on the self-service terminal 10, so that customers can better understand the recommended financial product information , So that customers can choose suitable financial products, so as to improve the customer’s service satisfaction to the financial manager or branch or financial institution.

[0081] Understandably, the user can also independently select the financial product to be purchased with the knowledge of the financial product information, that is, by clicking any product in the financial product information displayed on the self-service terminal 10 and inputting a product selection instruction, the self-service terminal 10 receives After the product selection instruction is reached, the corresponding QR code can be generated. The customer then scans the QR code through a smart phone and performs a payment operation to complete an independent purchase operation to improve the overall business processing capabilities of the outlets and save the time spent waiting at the outlets.

[0082] Example 2

[0083] figure 2 Shows a flow chart of the method for selling service at the outlet in this embodiment. Such as figure 2 As shown, the outlet sales service method is executed by the self-service terminal 10, the business terminal 20 and the server 30 of the financial institution. Among them, the self-service terminal 10 is installed on any financial institution branch of the financial institution. The service terminal 20 may be a mobile terminal such as a smart terminal, a tablet computer, or a PAD, which is convenient to carry around. The server 30 may be a cloud server applied to a financial institution. Among them, the self-service terminal 10 and the server 30 can be connected through a wired network communication to realize information and data transmission. The service terminal 20 and the server 30 can be connected via WiFi network, 3G network or 4G network communication to realize information and data transmission. Such as figure 2 As shown, the outlet sales service method includes the following steps:

[0084] S10: The self-service terminal 10 obtains monitoring image information, and sends the monitoring image information to the server 30; the monitoring image information includes the self-service terminal ID and the face image.

[0085] Wherein, the self-service terminal ID in the surveillance image information is used to uniquely identify the self-service terminal 10 sending the surveillance image information, and may be the MAC address or other identification of the self-service terminal 10. The face image is the face image of the customer collected in real time within the monitoring range of the self-service terminal 10, so as to determine whether the customer is a customer of the financial institution to which the branch belongs based on the face image.

[0086] Further, in step S10, the process for the self-service terminal 10 to obtain monitoring image information includes the following steps:

[0087] S11: Collect video images within the monitoring range of the self-service terminal 10.

[0088] Specifically, the self-service terminal 10 is equipped with a touch screen, a camera set above the touch screen, and a processor connected to the touch screen and the camera. The camera captures the video images within the monitoring range of the self-service terminal 10 in real time, and Send the video image to the processor.

[0089] S12: Perform face detection on each frame of video image to obtain a face image.

[0090] When the processor of the self-service terminal 10 receives a video image, it uses a face detection algorithm for face detection on each frame of the captured video image to determine whether there is a face image in the video image. If there is a face image, Then obtain the face image in the video image.

[0091] S13: Determine whether at least two face images detected within the preset time are the same face image.

[0092] Wherein, the preset time is the time preset by the method for judging the stay of the customer at the self-service terminal 10, and may be 3-5 seconds. Within the preset time, if the face images in at least two frames of video images collected by the self-service terminal 10 are all the same face image, it is determined that the customer corresponding to the face image has stayed at the self-service terminal 10 within the preset time. Within the scope of monitoring to determine that it is a customer who needs to provide services, rather than a customer passing through the self-service terminal 10 accidentally.

[0093] S14: If yes, form surveillance image information based on the self-service terminal ID and the face image.

[0094] Understandably, when at least two facial images detected by the same self-service terminal 10 within a preset time are facial images of the same customer, monitoring image information is formed based on the self-service terminal ID and the facial image. The monitoring image information is associated with the self-service terminal ID and the face image to determine that the monitoring image information is formed by the self-service terminal 10 corresponding to the self-service terminal ID.

[0095] S20: The service terminal 20 sends location information to the server 30 in real time, and the location information includes the wealth management manager ID and location information.

[0096] The business terminal 20 can be a smart terminal, a tablet computer, a PAD, or other mobile terminal that can move with the wealth management manager. The business terminal 20 has a built-in GPS module that can obtain location information and is formed based on the location information with the wealth management manager ID corresponding to the business terminal 20 Positioning information. The business terminal 20 sends positioning information to the server 30 in real time, so that when the server 30 receives the positioning information, it can determine which financial manager sent the positioning information according to the financial manager ID in the positioning information, and according to the information in the positioning information The location information understands the current location of the financial manager. Among them, the wealth management manager ID can uniquely identify the corresponding wealth management manager, and it can be the work number of the wealth management manager or other accounts registered and logged in the financial institution.

[0097] S30: The server 30 receives the monitoring image information and the positioning information, and determines whether the customer information corresponding to the face image is stored in the customer feature database; if so, it determines the target wealth management manager ID according to the positioning information and the customer information, and sends the customer information to The business terminal 20 corresponding to the target financial manager ID.

[0098] Specifically, the server 30 may receive monitoring image information sent by multiple self-service terminals 10 and positioning information sent by multiple service terminals 20 in real time. Each time the server 30 receives a piece of surveillance image information, it acquires the face image in the surveillance image information; then it uses a face recognition algorithm to determine whether there is customer information corresponding to the face image in the customer feature database of the financial institution; if stored If there is corresponding customer information, it means that the customers currently within the monitoring range of the self-service terminal 10 are customers who have already handled the corresponding business in the financial institution. Moreover, when the customer information of the customer is stored in the customer feature database, the server 30 will then determine a target financial manager suitable for receiving the customer based on the received positioning information and customer information, and then send the customer information to the target financial manager The service terminal 20 corresponding to the ID. Further, when the server 30 sends the customer information to the business terminal 20 corresponding to the target wealth management manager ID, it can send the customer information and the self-service terminal ID to the business terminal 20 corresponding to the target wealth management manager ID, so that the customer can be received. The information service terminal 20 can display the self-service terminal ID while displaying customer information.

[0099] In step S30, the specific process of the server 30 judging whether the customer information corresponding to the face image is stored in the customer feature database includes: sequentially judging the branch wealth manager customer feature database, the branch customer feature database, the regional customer feature database, and the global customer feature database. Whether the customer information corresponding to the face image is stored in the network customer feature database. That is, according to the priority of the customer feature library, it is judged whether the customer information corresponding to the face image is stored level by level. If the customer feature library with the first priority stores the corresponding customer information, there is no need to judge the customer with the next priority. Whether the corresponding customer information is stored in the customer feature database. The priority sequence of the customer feature database is determined by the quantity of customer information in the customer feature database. The more customer information, the lower the priority; conversely, the less the customer information, the higher the priority. In this embodiment, a step-by-step judgment is adopted to determine whether the customer information is stored in the customer feature database, which can improve the matching processing efficiency to a certain extent and save the judgment time.

[0100] Specifically, customer information includes not only facial images, but also user portrait data of user income, assets, liabilities, financial management, investment and other property information, so that the target financial manager can recommend more suitable products to customers based on the user portrait data Or services to improve customer satisfaction with the services of outlets or financial institutions and avoid the loss of customer resources. Understandably, the customer information may also include an account manager ID, and the account manager ID is used to point to the wealth management manager who provided services to the client in advance.

[0101] In step S30, the process of the server 30 determining the target wealth management manager ID according to the positioning information and the customer information includes the following steps:

[0102] S31: According to the location information in the positioning information, obtain all wealth management manager IDs within a preset range from the self-service terminal 10 to form a wealth management manager list.

[0103] Understandably, when the server 30 receives the monitoring image information sent by the self-service terminal 10, it can determine its spatial location according to the self-service terminal ID; the server 30 receives the positioning information sent by multiple service terminals 20 in real time, and calculates each service terminal 20 separately. The distance of the self-service terminal 10 corresponding to the self-service terminal ID is to obtain all the wealth management manager IDs within a preset range from the self-service terminal 10, and form a wealth management manager list based on the wealth management manager ID according to the distance.

[0104] S32: Determine whether the account manager ID is in the wealth management manager list. If so, use the account manager ID as the target wealth management manager ID; if not, use the wealth management manager ID closest to the self-service terminal 10 as the target wealth management manager ID.

[0105] Specifically, when the server 30 determines that the customer information corresponding to the face image is stored in the customer feature database, it needs to determine whether the account manager ID in the customer information is in the wealth management manager list. If the account manager ID is in the wealth management manager list, the management manager ID is used as the target wealth management manager ID, so that the target wealth management manager corresponding to the account manager ID can continue to provide corresponding services to the customer and ensure the continuity of customer service. If the account manager ID is not in the list of wealth management managers, the wealth management manager ID closest to the self-service terminal 10 is used as the target wealth management manager ID, so that the wealth management manager corresponding to the target wealth management manager ID is closest to the customer, thereby ensuring that the target wealth management manager can be more Provide customers with services in a timely manner, improve customer satisfaction with the services of outlets or financial institutions, and avoid the loss of customer resources.

[0106] S40: The service terminal 20 receives and displays customer information.

[0107] Specifically, the business terminal 20 corresponding to the target wealth management manager ID can receive and display customer information, so that the target wealth management manager can view the customer information so as to provide customers with appropriate financial products or services based on the customer information. If the server 30 sends customer information to the business terminal 20 at the same time, it sends the self-service terminal ID, so that the target financial manager can quickly find the customer staying in front of the self-service terminal 10 corresponding to the self-service terminal ID according to the self-service terminal ID, and provide related services, In order to improve customer satisfaction to a certain extent.

[0108] In the outlet sales service method provided in this embodiment, the self-service terminal 10 can send the collected monitoring image information to the server 30, and the service terminal 20 sends the positioning information to the server 30 in real time, so that the server 30 can determine whether or not according to the monitoring image information Store the corresponding customer information, and when the customer information is stored, send the customer information to the business terminal 20 corresponding to the target wealth management manager ID so that the business terminal 20 can display the customer information so that the target wealth management manager can follow the business terminal 20 The displayed customer information can recommend financial products or services that are more suitable for the customer, so as to improve the customer's service satisfaction with the branch or financial institution and avoid the loss of customer resources.

[0109] In a specific embodiment, the outlet sales service method further includes:

[0110] S50: The service terminal 20 receives the control instruction input by the wealth management manager corresponding to the target wealth management manager ID, and sends the control instruction to the server 30; the control instruction includes at least one product ID.

[0111] Understandably, the target financial manager corresponding to the target financial manager ID, after viewing the customer information displayed on the business terminal 20, determines the financial product or service suitable for the customer according to the customer information, and inputs the product ID corresponding to the financial product or service into The service terminal 20 forms a control instruction; then, click the OK button on the service terminal 20 to send the control instruction to the server 30.

[0112] S60: The server 30 receives the control instruction, obtains the financial product information corresponding to the product ID according to the control instruction, and sends the financial product information to the self-service terminal 10.

[0113] Specifically, after receiving the control instruction uploaded by the service terminal 20, the server 30 obtains financial product information corresponding to at least one product ID according to the control instruction. Understandably, the financial product information may be financial product information corresponding to one product ID, or financial product information such as two or more product information comparison charts, profit index comparison charts, and so on.

[0114] S70: The self-service terminal 10 receives and displays financial product information.

[0115] Specifically, the self-service terminal 10 can receive and display financial product information corresponding to one product ID, and can also receive and display financial product information such as a product information comparison chart and a profit index comparison chart corresponding to at least two product IDs. Understandably, the large screen of the self-service terminal 10 displays financial product information, and the target wealth management manager corresponding to the target wealth management manager ID provides explanations based on the financial product information displayed on the self-service terminal 10, so that customers can better understand the recommended financial product information , So that customers can choose suitable financial products, so as to improve the customer’s service satisfaction to the financial manager or branch or financial institution.

[0116] Understandably, the user can also independently select the financial product to be purchased with the knowledge of the financial product information, that is, by clicking any product in the financial product information displayed on the self-service terminal 10 and inputting a product selection instruction, the self-service terminal 10 receives After the product selection instruction is reached, the corresponding QR code can be generated. The customer then scans the QR code through a smart phone and performs a payment operation to complete an independent purchase operation to improve the overall business processing capabilities of the outlets and save the time spent waiting at the outlets.