Cash machine reserve payment management method and device

A reserve and cash technology, applied in machine learning, instrumentation, finance, etc., can solve the problems of uneven operation level, poor reproducibility, and high difference, reduce occupation, optimize reserve structure, and solve network problems. The effect of uneven operating capabilities

Pending Publication Date: 2021-07-09
BANK OF CHINA
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  • Abstract
  • Description
  • Claims
  • Application Information

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Problems solved by technology

[0004] The traditional solution is that outlets solve problems through machine cleaning reports combined with operational experience and operational capabilities. This solution is highly differentiated, and poor reproducibility will result in uneven operational levels.

Method used

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  • Cash machine reserve payment management method and device
  • Cash machine reserve payment management method and device
  • Cash machine reserve payment management method and device

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Embodiment Construction

[0031] In order to make the purpose, technical solutions and advantages of the embodiments of the present invention more clear, the embodiments of the present invention will be further described in detail below in conjunction with the accompanying drawings. Here, the exemplary embodiments of the present invention and their descriptions are used to explain the present invention, but not to limit the present invention.

[0032] figure 1 It is a schematic diagram of a cash machine reserve management method according to an embodiment of the present invention, as figure 1 As shown, the embodiment of the present invention provides a cash machine reserve fund management method to provide reliable data solution support for branch reserve fund management. The method includes:

[0033] Step 101: Obtain cash machine cash box data through the edge end of the smart device at the bank branch;

[0034] Step 102: Obtain the customer's transaction data on the machine tool, call the customer ...

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Abstract

The invention provides a cash machine reserve payment management method and device. The method comprises the following steps: acquiring cash box data of a cash machine through an edge end of intelligent equipment of a bank outlet; obtaining transaction data of the customer on the machine tool, calling the customer behavior feature model through the model service for integration, and determining customer transaction behavior data; sending the cash machine cash box data and the customer transaction behavior data to a data processing server for data processing and data characterization processing, and determining structured data; according to the structured data, determining a cash management service scene through a business calculation rule and a characteristic value of business configuration; calling a machine learning model for calculation according to the structured data in combination with the historical data of the network point excess money and the cash machine excess money, and determining trend prediction data; according to the trend prediction data, determining a spare reserve scheme of the cash machine; and configuring the reserve money of the cash machine according to the reserve money reserve scheme of the cash machine and the cash management service scene.

Description

technical field [0001] The invention relates to the technical field of bank computer data processing, in particular to a cash machine reserve fund management method and device. Background technique [0002] This section is intended to provide a background or context for implementations of the invention that are recited in the claims. The descriptions herein are not admitted to be prior art by inclusion in this section. [0003] With the addition of cash self-service equipment, the overnight funds deposited in the equipment increase. This part usually occupies the cash on hand of the business organization and belongs to non-interest-bearing capital. When the amount of reserve funds increases, the bank's profit margin will decrease accordingly. If the cash reserves are insufficient, payment risks will arise, which will bring bad experience to customers. In addition, insufficient reserves require frequent cleaning of machines and refilling of banknotes, which increases the di...

Claims

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Application Information

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Patent Type & Authority Applications(China)
IPC IPC(8): G06Q40/02G06Q40/04G06Q20/40G06N20/00
CPCG06Q20/405G06Q40/02G06Q40/04G06N20/00
Inventor 刘真真
Owner BANK OF CHINA
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