Intelligent service equipment

Abstract

A smart service device is suitable for communicating with an external server and a teller terminal device, and includes: a processing unit electrically connected to the external server and the teller terminal device; and a storage unit electrically connected to the processing unit; the processing unit receives input data provided by a user and including user information; the processing unit calculates a customer homing risk based on the user information; the processing unit calculates external risk data based on the user information and external data from the external server; the processing unit calculates a check result based on the customer homing risk data and the external risk data; when the check result indicates a high risk, the processing unit sends a high-risk notification to the teller terminal device.

Claims

1. A smart service device, suitable for communicating with an external server and a teller terminal device, comprising: a processing unit electrically connected to the external server and the teller terminal device; and a storage unit electrically connected to the processing unit, storing a high-risk list; the processing unit receiving input data provided by a user, the input data including user information; the processing unit calculating a customer risk data based on the user information, wherein... When the processing unit determines that the user information matches the high-risk list, the account risk information indicates high risk; the processing unit calculates external risk information based on the user information and external information from the external server; the processing unit calculates a check result based on the account risk information and the external risk information, and when the check result shows high risk, the processing unit sends a high-risk notification to the teller terminal device.

2. The intelligent service device as described in claim 1, wherein the storage unit further stores multiple high-risk project data, and the input data further includes pending data; the processing unit calculates customer response risk data based on the input data and the high-risk project data, wherein, When the processing unit determines that the pending data of the input data matches one of the high-risk items, the customer responds with a risk information indication that there is a risk and sends a high-risk behavior notification to the teller terminal device.

3. The intelligent service device as described in claim 1, wherein the storage unit further stores multiple customer data entries, multiple customer behavior records corresponding to multiple customer data entries, and a trained risk assessment model; the processing unit inputs the input data into the risk assessment model to generate a model that assesses the risk level, wherein, If the user data in the input data matches one of the customer data, the processing unit inputs the customer behavior record corresponding to the matching customer data into the risk assessment model to calculate the risk level assessed by the model.

4. The intelligent service device as described in claim 1 further includes an input unit electrically connected to the processing unit, wherein, The input unit captures an image to generate a real-time image. The processing unit determines whether the user is in a high-risk situation based on the real-time image. If the processing unit determines that there are other people within a specified distance around the user as shown in the real-time image, the processing unit determines that the user is in the high-risk situation and sends a high-risk situation notification to the teller terminal device.

5. The smart service device as described in claim 1, wherein the high-risk list includes multiple suspended account records, multiple newly opened account records, and multiple credit-controlled account records; when the processing unit determines that the user information matches one of the suspended account records, the newly opened account records, and the credit-controlled account records in the high-risk list, the account risk information is considered high-risk.

Images