A method, system, storage medium and electronic device for managing business outlets of a financial institution

Abstract

The present invention discloses a method, system, storage medium and electronic device for managing business outlets of financial institutions. The specific steps of the method include customer identification, customer identification post-processing, business-to-business management and business post-processing in sequence. The present invention solves the problem that business outlets of financial institutions cannot quickly obtain customer levels, customer business preferences and customer risk levels during the operation process, improves the speed of obtaining visitor information and improves the richness of personnel information. The present invention also solves the problem that it is difficult for staff to accurately perceive customer emotions in business processing projects, and provides a real-time and scientific identification and avoidance method for potential risks.

Description

Technical Field

[0001] The present invention relates to the financial field, and in particular to a method, system, storage medium and electronic equipment for managing business outlets of a financial institution. Background Art

[0002] At present, face recognition technology is generally used in the financial field for information entry and payment, while face emotion recognition technology is mainly used in psychology, education and other fields. Neither of them has been applied in business hall management. At present, financial institutions’ business outlets have the following pain points and difficulties in their operations:

[0003] 1. It is impossible to identify customer level and customer preferences before business is processed to provide corresponding services, resulting in poor user experience. At the same time, it is also impossible to obtain the user's risk level, increasing the risk of complaints and security.

[0004] 2. It is difficult to accurately perceive customer emotions during the business process, and it is impossible to respond in advance to business risks such as complaints and fraud.

[0005] The purpose of the present invention is to solve the problem of poor operating quality caused by the inability to quickly identify customer groups and accurately perceive customer emotions in the business outlets of financial institutions during the operation process. The internal analysis system, the camera device of the business outlets and the communication terminal are connected to realize that the information such as customer importance, customer risk, customer business preference, etc. generated when the customer enters the door can be sent to the staff terminal. Assist business processing personnel to carry out business processing and marketing work. At the same time, the emotions of customers in the business processing process are captured in real time, and the branch manager is reminded to intervene in advance for abnormal emotions. Summary of the invention

[0006] A method for managing business outlets of a financial institution, wherein the specific steps include customer identification, customer identification post-processing, inter-business management, and business post-processing;

[0007] Customer identification, including facial recognition, which collects customer facial information and obtains customer identity information through facial information, then obtains the customer's wealth information and level information based on the customer's identity information, and rates the customer's risk level and classifies the customer's business preferences based on the customer's wealth information and level information;

[0008] Customer identification post-processing: categorize customers based on their risk levels. If a customer is a high-risk customer, the customer identification system will remind security personnel and branch managers to pay close attention to the customer until the customer leaves the branch. If a customer is a low-risk customer, a marketing plan will be generated based on the customer's business preferences and pushed to branch staff at the same time.

[0009] Inter-business management: The facial recognition system monitors the changes in customers' facial expressions in the process of handling business with branch staff in real time, thereby identifying the customer's current emotional state. At the same time, it tracks the customer's emotional changes during the waiting period for business handling in real time. When abnormal emotions appear, the system reminds branch staff of the customer's emotional changes in real time;

[0010] Post-business processing: detect whether the customer has left the branch through facial recognition, and send summary information to the server when leaving the branch.

[0011] A financial institution business outlet management system, including a face recognition module, a judgment module, a risk warning module and a communication module;

[0012] The face recognition module is used to collect customer face information and expression information and feed it back to the judgment module;

[0013] The judgment module recognizes and judges the facial information and / or the customer's ID card information, and rates the customer's risk level, obtains financial information, and classifies the customer's business preferences based on the identity information and other identity information. It also judges the customer's emotions based on facial expression information. Other identity information includes whether the customer is a key customer, a blacklisted customer, a dishonest person, or a published fugitive suspect.

[0014] The risk warning module sends risk warning information to branch staff based on the risk level rating of the judgment module;

[0015] The communication module is used for communication between the face recognition module, the judgment module, and the risk warning module via the local area network or the wide area network.

[0016] An electronic device for managing business outlets of a financial institution, including an imaging device, a picture acquisition device and a picture recognition processing host as a face recognition module; also includes a host or handheld device in a risk warning module for prompting branch personnel; and also includes a routing device and a gateway device for constituting a communication module.

[0017] A storage medium for the management of business outlets of a financial institution, the storage medium being used to store operation instructions of personnel in the management method of business outlets of a financial institution.

[0018] Beneficial effects of the invention: The invention solves the problem that financial institutions' business outlets cannot quickly obtain customer grades, customer business preferences, and customer risk grades during operations, improves the speed of obtaining visitor information, and increases the richness of personnel information. The invention also solves the problem that it is difficult for staff to accurately perceive customer emotions during business processing, and provides a real-time, scientific identification and avoidance method for potential risks.

[0019] Additional aspects and advantages of the present invention will be given in part in the following description and in part will be obvious from the following description, or will be learned through practice of the present invention. BRIEF DESCRIPTION OF THE DRAWINGS

[0020] Figure 1 is a flowchart of the method of the present invention;

[0021] Figure 2 It is a flowchart of the method for customer identification in the method of the present invention.

[0022] Figure 3 It is a flowchart of the method for post-processing of customer identification in the method of the present invention.

[0023] Figure 4 It is a flowchart of the method flow of inter-business governance in the method of the present invention.

[0024] Figure 5 It is a flowchart of the method for post-processing of services in the method of the present invention.

[0025] Figure 6 It is a structural block diagram of the electronic device in the present invention. DETAILED DESCRIPTION

[0026] See also Figures 1 to 6 In an embodiment of the present invention, a method for managing business outlets of a financial institution includes the following specific steps: customer identification, customer identification post-processing, inter-business management, and business post-processing;

[0027] Customer identification, including facial recognition, which collects customer facial information and obtains customer identity information through facial information, then obtains the customer's wealth information and level information based on the customer's identity information, and rates the customer's risk level and classifies the customer's business preferences based on the customer's wealth information and level information;

[0028] Customer identification post-processing: categorize customers based on their risk levels. If a customer is a high-risk customer, the customer identification system will remind security personnel and branch managers to pay close attention to the customer until the customer leaves the branch. If a customer is a low-risk customer, a marketing plan will be generated based on the customer's business preferences and pushed to branch staff at the same time.

[0029] Inter-business management: The facial recognition system monitors the changes in customers' facial expressions in the process of handling business with branch staff in real time, thereby identifying the customer's current emotional state. At the same time, it tracks the customer's emotional changes during the waiting period for business handling in real time. When abnormal emotions appear, the system reminds branch staff of the customer's emotional changes in real time;

[0030] Post-business processing: detect whether the customer has left the branch through facial recognition, and send summary information to the server when leaving the branch.

[0031] A financial institution business outlet management system, including a face recognition module, a judgment module, a risk warning module and a communication module;

[0032] The face recognition module is used to collect customer face information and expression information and feed it back to the judgment module;

[0033] The judgment module recognizes and judges the facial information and / or the customer's ID card information, and rates the customer's risk level, obtains financial information, and classifies the customer's business preferences based on the identity information and other identity information. It also judges the customer's emotions based on facial expression information. Other identity information includes whether the customer is a key customer, a blacklisted customer, a dishonest person, or a published fugitive suspect.

[0034] The risk warning module sends risk warning information to branch staff based on the risk level rating of the judgment module;

[0035] The communication module is used for communication between the face recognition module, the judgment module, and the risk warning module via the local area network or the wide area network.

[0036] An electronic device for managing business outlets of a financial institution, including an imaging device, a picture acquisition device and a picture recognition processing host as a face recognition module; also includes a host or handheld device in a risk warning module for prompting branch personnel; and also includes a routing device and a gateway device for constituting a communication module.

[0037] A storage medium for the management of business outlets of a financial institution, the storage medium being used to store operation instructions of personnel in the management method of business outlets of a financial institution.

[0038] It will be apparent to those skilled in the art that the present invention is not limited to the details of the exemplary embodiments described above and that the present invention can be implemented in other specific forms without departing from the spirit or essential features of the present invention. Therefore, the embodiments should be considered exemplary and non-restrictive in all respects, and the scope of the present invention is defined by the appended claims rather than the above description, and it is intended that all changes falling within the meaning and scope of the equivalent elements of the claims be included in the present invention.

Claims

1. A method for managing business outlets of a financial institution, characterized in that: The specific steps include customer identification, customer identification post-processing, inter-business governance, and business post-processing; Customer identification, including facial recognition, which collects customer facial information and obtains customer identity information through facial information, then obtains the customer's wealth information and level information based on the customer's identity information, and rates the customer's risk level and classifies the customer's business preferences based on the customer's wealth information and level information; Customer identification post-processing: categorize customers based on their risk levels. If a customer is a high-risk customer, the customer identification system will remind security personnel and branch managers to pay close attention to the customer until the customer leaves the branch. If a customer is a low-risk customer, a marketing plan will be generated based on the customer's business preferences and pushed to branch staff at the same time. Inter-business management: the facial recognition system monitors the changes in customers’ facial expressions in real time while they are doing business with branch staff, thereby identifying the customer’s current emotional state; Inter-business management also includes real-time tracking of customer mood changes during the waiting period for business processing; Post-business processing: detect whether the customer has left the branch through facial recognition, and send summary information to the server when leaving the branch.

2. The method for managing business outlets of a financial institution according to claim 1, characterized in that: In the inter-business governance step, when abnormal emotions occur, the system reminds branch staff of the customer's emotional changes in real time.

3. An electronic device for managing a financial institution's business outlets using the method of claim 1, characterized in that: It includes imaging equipment, picture acquisition equipment and picture recognition processing host as face recognition module; it also includes host or handheld device used to remind branch personnel in risk warning module.

4. The electronic device managed by a financial institution's business outlet according to claim 3, characterized in that: It also includes routing devices and gateway devices used to constitute communication modules.

5. A financial institution business outlet management system, characterized in that: It includes face recognition module, judgment module, risk warning module and communication module; The face recognition module is used to collect customer face information and expression information and feed it back to the judgment module; The face recognition module also includes monitoring the changes in the customer's facial expressions during the business process with the branch staff in real time through the face recognition system, thereby identifying the customer's current emotional state; The face recognition module also includes real-time tracking of the customer's emotional changes during the waiting period for business processing; The judgment module recognizes and judges facial information and obtains customer ID information, and rates the customer's risk level, obtains financial information, and classifies business preferences based on identity information and other identity information; The judgment module further includes: classifying the customer based on the customer's risk level, and when the customer is a low-risk customer, generating a marketing plan based on the customer's business preference and pushing it to the branch staff; The risk warning module sends risk warning information to branch staff based on the risk level rating of the judgment module. Specifically, when a customer is a high-risk customer, the customer identification system reminds security personnel and branch managers to pay close attention to the customer until the customer leaves the branch; The communication module is used for communication between the face recognition module, the judgment module, and the risk warning module via the local area network or the wide area network.

6. The financial institution business outlet management system according to claim 5, characterized in that: Other identity information includes whether the person is a registered key customer, a blacklisted customer, a dishonest person, or a published fugitive suspect.

7. The financial institution business outlet management system according to claim 5, characterized in that: The judgment module also judges the customer's emotions based on the facial expression information.

8. A storage medium for the management of business outlets of a financial institution, characterized in that: The storage medium is used for storing operation instructions of personnel in any of claims 1-2 for the method of managing business outlets of financial institutions.

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