Method for customizing transaction scene according to change of bank outlet business

Abstract

The invention relates to a method for customizing a transaction scene according to changes of bank outlet businesses. The method comprises the following steps: S1, obtaining transaction data, transaction flow and transaction service of outlet counters; s2, customizing a plurality of transaction scenes according to the acquired data, and classifying transactions; s3, establishing different scene trees according to different transaction scenes; and S4, maintaining and tracking each transaction scene according to the scene tree. According to the invention, full-life-cycle management of scene definition, maintenance, off-shelf and tracking can be realized, so that diversified services are provided for customers.

Description

Technical Field

[0001] The present invention relates to the technical field of bank transaction scenarios, and in particular to a method for customizing transaction scenarios according to changes in bank branch services. Background Art

[0002] The rapid development of current banking business has made the banking business system more and more complex. At present, in most cases, transaction scenarios are determined based on banking business, and then models corresponding to the transaction scenarios are constructed, so as to simulate banking business through models.

[0003] The existing technology lacks scenario-based design and is transaction-centric. When providing customer services, there are situations such as repeated provision of information and multiple confirmations of transactions, which leads to low business processing efficiency and poor customer experience.

[0004] Therefore, it is necessary to provide a method to customize transaction scenarios according to changes in bank branch business, and to achieve full life cycle management of scenario definition, maintenance, delisting and tracking, so as to provide customers with diversified services. Summary of the invention

[0005] The purpose of the present invention is to provide a method for customizing transaction scenarios according to changes in bank branch business, to achieve full life cycle management of scenario definition, maintenance, delisting and tracking, thereby providing customers with diversified services.

[0006] In order to solve the problems existing in the prior art, the present invention provides a method for customizing transaction scenarios according to changes in bank branch services, comprising the following steps:

[0007] S1: Obtain transaction data, transaction flow and transaction services at the branch counter;

[0008] S2: Customize multiple transaction scenarios based on the acquired data and classify each transaction;

[0009] S3: Establish different scenario trees according to different transaction scenarios;

[0010] S4: Maintain and track each transaction scenario according to the scenario tree.

[0011] Optionally, in the method of customizing transaction scenarios according to changes in bank branch business, multiple transaction scenarios are customized based on acquired data, system channels and public node service capabilities.

[0012] Optionally, in the method for customizing transaction scenarios according to changes in bank branch services, the step of performing service verification according to the transaction scenarios is also included:

[0013] Get counter marketing and mobile marketing;

[0014] Verify the acquired counter marketing and mobile marketing, including: account balance, card-certificate consistency, mobile phone real-name, new customer judgment, amount verification and SMS verification.

[0015] Optionally, in the method for customizing transaction scenarios according to changes in bank branch services, defined transaction scenarios are stored in the big data platform.

[0016] Optionally, in the method of customizing transaction scenarios according to changes in bank branch business, when a counter transaction occurs, a corresponding transaction scenario is retrieved from the big data platform for application according to customer demand.

[0017] Compared with the prior art, the present invention has the following advantages:

[0018] (1) For external customers and users, the convenience of transaction processing is significantly improved, greatly reducing the time and human resources required for transaction processing;

[0019] (2) The transaction management and maintenance costs of the intelligent customer service terminal have also been significantly reduced. BRIEF DESCRIPTION OF THE DRAWINGS

[0020] Figure 1 A flow chart of a method provided by an embodiment of the present invention. DETAILED DESCRIPTION

[0021] The specific implementation of the present invention will be described in more detail below in conjunction with the schematic diagram. The advantages and features of the present invention will become clearer based on the following description. It should be noted that the drawings are all in a very simplified form and are not in exact proportions, and are only used to facilitate and clearly assist in explaining the purpose of the embodiments of the present invention.

[0022] Hereinafter, if the method described herein includes a series of steps, the order in which the steps are presented herein is not necessarily the only order in which the steps may be performed, and some of the steps described may be omitted and / or some other steps not described herein may be added to the method.

[0023] The existing technology lacks scenario-based design and is transaction-centric. When providing customer services, there are situations such as repeated provision of information and multiple confirmations of transactions, which leads to low business processing efficiency and poor customer experience.

[0024] In order to solve the problems existing in the prior art, the present invention provides a method for customizing transaction scenarios according to changes in bank branch services, such as Figure 1 As shown, the following steps are included:

[0025] S1: Obtain transaction data, transaction flow and transaction services at the branch counter;

[0026] S2: Customize multiple transaction scenarios based on the acquired data and classify each transaction;

[0027] Furthermore, multiple transaction scenarios can be customized based on the acquired data, system channels and public node service capabilities.

[0028] S3: Establish different scenario trees according to different transaction scenarios;

[0029] S4: Maintain and track each transaction scenario according to the scenario tree.

[0030] The present invention mainly focuses on customized transaction scenarios such as "merging scenarios of homogeneous transactions" (for example, time deposits, notice deposits, etc. are merged into deposit management transactions, which are applicable to the purchase, withdrawal, inquiry, etc. of different deposit products), "atomic transaction integration based on business scenarios" (for example, customer identity identification in debit card replacement and card exchange, integration and process reshaping of IC debit card electronic cash wallet withdrawal, replacement and card exchange transactions), and "integration of basic transactions for internal management" (for example, various abnormal inquiry transactions at the end of the day are integrated into a unified reconciliation management module).

[0031] Optionally, in the method for customizing transaction scenarios according to changes in bank branch services, the step of performing service verification according to the transaction scenarios is also included:

[0032] Get counter marketing and mobile marketing;

[0033] Verify the acquired counter marketing and mobile marketing, including: account balance, card-certificate consistency, mobile phone real-name, new customer judgment, amount verification and SMS verification.

[0034] Preferably, the big data platform stores defined transaction scenarios. When a counter transaction occurs, the corresponding transaction scenario is retrieved from the big data platform for application according to customer needs.

[0035] The present invention can actively match highly related transaction scenarios (for example, when media loss reporting and password reset transactions are highly related) based on data such as customers' in-store behavior. Through this scenario, managers are prompted to actively analyze the rationality and improvement space of business scenarios and transaction designs, thereby achieving proactive management.

[0036] Furthermore, the scenario center is a collection of outlet channel scenarios, which can realize the full life cycle management of scenario definition, maintenance, delisting, and tracking. It can configure different scenarios according to the outlet form, thereby providing customers with diversified services. Its main features are:

[0037] (1) Through scenario configuration, customers can verify their identity, authenticate and sign once;

[0038] (2) Achieve standardized transaction management and accompanying homework guidance to reduce operational difficulty and improve risk control capabilities;

[0039] (3) Realize the interconnection and integration of multiple scenarios and improve the level of collaborative work;

[0040] (4) Have the ability to discover scenarios and proactively discover and quickly improve customer service levels;

[0041] (5) Collaborative operation with soft dialing system, video banking, intelligent equipment, electronic channels, etc.

[0042] In summary, compared with the prior art, the present invention has the following advantages:

[0043] (1) For external customers and users, the convenience of transaction processing is significantly improved, and the skill requirements for staff are significantly reduced. One-time identity verification, one-time authentication, and one-time signature are achieved, which greatly reduces the time spent on transaction processing and the use of human resources;

[0044] (2) The transaction management and maintenance costs of the intelligent customer service terminal have also been significantly reduced.

[0045] The above is only a preferred embodiment of the present invention and does not limit the present invention in any way. Any technician in the relevant technical field, without departing from the scope of the technical solution of the present invention, makes any form of equivalent replacement or modification to the technical solution and technical content disclosed in the present invention, which does not depart from the content of the technical solution of the present invention and still falls within the protection scope of the present invention.

Claims

1. A method for customizing transaction scenarios according to changes in bank branch services, characterized in that: The following steps are involved: S1: Obtain transaction data, transaction flow and transaction services at the branch counter; S2: Customize multiple transaction scenarios based on the acquired data and classify each transaction; S3: Establish different scenario trees according to different transaction scenarios; S4: Maintain and track each transaction scenario according to the scenario tree.

2. The method for customizing transaction scenarios according to changes in bank branch services as claimed in claim 1, characterized in that: Customize multiple transaction scenarios based on the acquired data, system channels, and public node service capabilities.

3. The method for customizing transaction scenarios according to changes in bank branch services as claimed in claim 1, characterized in that: It also includes steps for business verification based on transaction scenarios: Get counter marketing and mobile marketing; Verify the acquired counter marketing and mobile marketing, including: account balance, card-certificate consistency, mobile phone real-name, new customer judgment, amount verification and SMS verification.

4. The method for customizing transaction scenarios according to changes in bank branch services as claimed in claim 1, characterized in that: The defined transaction scenarios are stored in the big data platform.

5. The method for customizing transaction scenarios according to changes in bank branch services as claimed in claim 4, characterized in that: When a counter transaction occurs, the corresponding transaction scenario is retrieved from the big data platform for application based on customer needs.

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