Bank intelligent numbering method and device based on mobile phone banking

Abstract

The invention relates to an intelligent bank numbering method and device based on a mobile banking, and the method comprises the steps: enabling a client to log in a mobile banking client, and obtaining the basic information and position information; the client selects a transaction branch and a business type; the bank background system analyzes business requirements and calculates queuing information including waiting time and suggested arrival time in combination with network conditions; the customer confirms queuing and receives a prompt; and the customer checks in to handle the business and evaluates after finishing the business. A customer arranges a number in advance at a mobile phone bank client, and a travel is reasonably arranged according to the predicted waiting time and the suggested arrival time provided by the system, so that time waste is reduced. And meanwhile, a plurality of reminding modes and a real-time queuing state query function are adopted, so that the customer can master the queuing progress in time, and the mastering feeling and the satisfaction degree of the customer are enhanced. In addition, through the evaluation function after business handling, the customer can feed back service experience, and the improvement of bank service quality is promoted.

Description

Technical Field

[0001] The present invention relates to the technical field of financial services, and in particular to a method and device for intelligent bank queuing based on mobile banking. Background Art

[0002] In the traditional banking service model, customers visiting bank branches typically need to take a number and queue up on-site. This approach has numerous drawbacks. Firstly, it's difficult for customers to accurately estimate waiting times, potentially leading to lengthy waits at the branch, wasting significant time and energy. Secondly, banks lack the ability to predict customer needs and arrival times in advance, making it difficult to allocate service resources appropriately. This results in inefficient service and reduced customer satisfaction.

[0003] With the rapid development of mobile internet technology, mobile banking is becoming increasingly popular. However, existing mobile banking queuing systems are relatively limited in functionality, mostly enabling only simple appointment booking and number collection. They are unable to intelligently schedule queuing based on factors such as individual customer needs and the branch's real-time business conditions. Furthermore, they lack comprehensive customer management and service optimization mechanisms. Therefore, a more intelligent and efficient mobile banking queuing method and device is urgently needed to address the challenges of existing technologies. Summary of the Invention

[0004] The purpose of the present invention is to provide a method and device for intelligent bank queuing based on mobile banking, which effectively solves the problems raised in the above background technology.

[0005] To achieve the above objectives, the present invention provides the following technical solutions.

[0006] A method for intelligent bank queuing based on mobile banking, comprising the following steps: Step 1: The customer logs in to the mobile banking client and obtains basic information and location information; Step 2: The customer selects the branch and service type; Step 3: The bank's back-end system analyzes business needs and calculates queuing information based on branch conditions, including waiting time and recommended arrival time; Step 4: The customer confirms the queue number and receives a reminder; Step 5: The customer arrives, signs in, handles the business, and gives an evaluation after the business is completed.

[0007] Furthermore, in step one, the basic information includes name, ID number, contact information, historical business records and credit rating.

[0008] Furthermore, in step 2, the information of surrounding bank branches is automatically obtained based on the location information, including the branch name, address, distance from the customer's current location, the real-time number of people in the queue, and the average waiting time; Customers select the target branch and the specific business type based on their own needs and the conditions of each branch.

[0009] Furthermore, in step three, the bank's back-end system receives the branch selection, business type and related information submitted by the customer, and calculates the customer's queuing information, including the estimated waiting time, recommended arrival time, and queuing number at the branch.

[0010] Furthermore, in step 4, after the customer confirms the queue number, he or she can check his or her queue status in real time on the mobile banking client, and the customer will be reminded when the queue number is close to the current processing number.

[0011] Furthermore, in step 4, the reminder method includes SMS reminder, APP push notification and voice reminder, and the customer can choose at least one of the above methods; Customers can set reminder trigger conditions, such as being reminded when there are 3 or five queue numbers left from the current processing number.

[0012] Furthermore, in step five, after arriving at the branch, the customer signs in on the mobile banking client and waits for the window number to be called; After the transaction is completed, customers can evaluate the transaction process on the mobile banking client.

[0013] Furthermore, in step five, if the customer fails to arrive at the branch to sign in before the recommended arrival time, the mobile banking client and back-end system will initiate a late arrival processing mechanism; If the customer fails to check in at the branch on the same day, the backend system will lower the customer's credit rating and prohibit the customer from using the mobile banking queuing function within one week.

[0014] A bank intelligent queuing device based on mobile banking, including a customer terminal module, a bank backend processing module and a branch information collection module; Customer terminal module: used to log in, obtain basic information and location information, and select branches and services; receives and displays queue number information sent by the bank's back-end system, provides real-time queue status query, and allows for multiple reminder settings and receipt functions; supports customer sign-in, service evaluation, and triggers late-arrival processing-related interactions; Bank backend processing module: used to receive information submitted by the customer terminal module, analyze business needs according to business rules and algorithms; calculate queuing information based on branch business conditions; monitor customer status in real time and implement late and no-show processing mechanisms; receive and analyze customer evaluation information and optimize service strategies; Branch information collection module: deployed in each bank branch, collects information such as the number of idle windows in the branch, the estimated remaining time for each window to handle business, the business busyness of the branch at different time periods, etc. in real time, and transmits the data to the bank's back-end processing module.

[0015] Compared with the prior art, the present invention has the following beneficial effects.

[0016] This system allows customers to queue up in advance through the mobile banking client and plan their trips based on the estimated wait time and suggested arrival time provided by the system, thus reducing wasted time. Furthermore, multiple reminder methods and real-time queue status query functions allow customers to keep abreast of their queue progress, enhancing their sense of control and satisfaction. Furthermore, a post-transaction review function allows customers to provide feedback on their service experience, promoting improvements in banking service quality. BRIEF DESCRIPTION OF THE DRAWINGS

[0017] Figure 1 This is a flow chart of a bank intelligent queuing method based on mobile banking in the present invention; Figure 2 This is a flowchart of the numbering and reminder in the present invention; Figure 3 This is a flow chart of the late processing mechanism of the present invention. DETAILED DESCRIPTION

[0018] The following will clearly and completely describe the technical solutions in the embodiments of the present invention in conjunction with the accompanying drawings. Obviously, the described embodiments are only part of the embodiments of the present invention, not all of the embodiments. Based on the embodiments of the present invention, all other embodiments obtained by ordinary technicians in this field without making creative efforts are within the scope of protection of the present invention.

[0019] In the description of the embodiments of the present invention, it should be noted that, unless otherwise clearly specified and limited, the terms, "connection", and "installation" should be understood in a broad sense. For example, "connection" can be a detachable connection or a non-detachable connection; it can be a direct connection or an indirect connection through an intermediate medium. In addition, "communication" can be a direct connection or an indirect connection through an intermediate medium. Here, "fixed" means that the two are connected to each other and the relative position relationship after connection remains unchanged. The directional terms mentioned in the embodiments of the present invention, such as "inside", "outside", "top", "bottom", etc., are only reference to the directions of the accompanying drawings. Therefore, the directional terms used are for better and clearer explanation and understanding of the embodiments of the present invention, rather than indicating or implying that the device or element referred to must have a specific orientation, be constructed and operated in a specific orientation, and therefore cannot be understood as a limitation on the embodiments of the present invention.

[0020] In the embodiments of the present invention, the terms "first" and "second" are used for descriptive purposes only and should not be understood to indicate or imply relative importance or implicitly specify the number of technical features indicated. Therefore, features defined as "first" or "second" may explicitly or implicitly include one or more of the features.

[0021] See also Figure 1-Figure 3 The present invention provides a bank intelligent queuing method based on mobile banking, which specifically includes the following steps: Step 1: The customer logs in to the mobile banking client and obtains basic information and location information; Customers open the mobile banking app and enter their account number and password on the login screen, or complete the login process through biometric verification methods such as fingerprint recognition or facial recognition. After a successful login, the mobile banking app automatically retrieves basic customer information from the bank's customer database, including name, ID number, contact information, historical transaction records, and credit rating. It also uses the phone's positioning function to obtain the customer's real-time location and transmits this information to the bank's back-end system.

[0022] Step 2: The customer selects the branch and service type; The mobile banking app displays nearby bank branches on a map and in a list based on the customer's location. These branches can be sorted by distance, number of people currently in line, and average waiting time, and customers can adjust the sorting method. After selecting a branch, customers can then choose the services they wish to handle.

[0023] Step 3: The bank's back-end system analyzes business needs and calculates queuing information based on branch conditions, including waiting time and recommended arrival time; After receiving the customer's submitted branch location, requested service, and related information, the bank's backend system analyzes it based on pre-set business rules and algorithms. For example, the branch information collection module at this branch collects real-time information: there are two available windows, and the average estimated remaining processing time for customers currently processing services is 15 minutes, indicating that this is a relatively busy period. Combining this information, the bank's backend system calculates the customer's queue number: an estimated wait time of 25 minutes, a recommended arrival time of 20 minutes after the current time, and queue number 10 at this branch.

[0024] Step 4: The customer confirms the queue number and receives a reminder; Customers review the system-generated queue information on the mobile banking app and, after confirming it's correct, click the "Confirm Queue Number" button. After confirmation, customers can set SMS and app push notifications as reminders, and set the reminder trigger condition to occur when there are three queue numbers remaining. Customers can then check their queue status at any time on the mobile banking app.

[0025] Step 5: The customer arrives, signs in, handles the business, and gives an evaluation after the business is completed.

[0026] After the customer arrives at the branch on time according to the recommended arrival time, he / she clicks the "Sign in" button on the mobile banking client to sign in. The current location information is required when signing in. The sign-in is successful only when the location information is consistent with the branch location, ensuring the customer's actual presence, improving the authenticity and effectiveness of the service, preventing "virtual occupying" behavior, and ensuring the real-time nature of business processing.

[0027] Afterward, the customer waits for the teller to call their number and proceeds with the transaction. After the transaction is completed, the customer can evaluate the transaction process on the mobile banking client. The evaluation covers aspects such as the teller's service attitude, transaction efficiency, branch environment comfort, and equipment ease of use. The evaluation results are submitted to the bank's back-end system in the form of star ratings and text comments for use in bank service quality assessment and improvement.

[0028] If a customer, after queuing, fails to arrive at the branch to check in before the recommended arrival time, a pop-up message will appear on the mobile banking app, reminding the customer that they are late. If the customer is late by less than 15 minutes, their queue number will be retained, but their queue order will be adjusted to after the customer currently processing transactions. If the customer is late by more than 15 minutes, their original queue number will be cancelled, and they will be notified via the mobile banking app and SMS that they can queue again. If the customer does not arrive at the branch to check in that day, the bank's back-end system will lower their credit rating and prohibit them from using the mobile banking queuing function for one week.

[0029] A bank intelligent queuing device based on mobile banking, including a customer terminal module, a bank backend processing module and a branch information collection module; Customer terminal module: The customer terminal module runs in the form of a mobile banking client on mainstream mobile operating systems such as Android and iOS. The application adopts a modular architecture design, and the login module integrates multiple security authentication methods; the information acquisition module obtains location information by calling the mobile phone system interface and interacts with the bank database to obtain basic information; the branch and business selection module uses the map API and data interface to display branch information and provide convenient selection operations; the queue number display and interaction module presents queue number information in an intuitive interface and realizes real-time refresh of queue status; the reminder setting module connects to the mobile phone notification system and the bank's message push service to support personalized reminder settings; the check-in and evaluation module completes check-in through methods such as scanning codes and location verification, and provides a variety of evaluation input interfaces. The AES-256 encryption algorithm is used during the transmission of basic customer information. Location information is only used for branch matching and is not used for other purposes, in compliance with the relevant provisions of the "Personal Information Protection Law".

[0030] Bank back-end processing module: This server cluster, deployed in the bank's data center, utilizes a distributed architecture to improve processing performance. The business analysis unit leverages a rules engine and machine learning platform to implement business rule management and intelligent analysis. The queuing calculation unit utilizes a distributed computing framework and intelligent queuing algorithm library to efficiently handle large volumes of queuing calculation tasks. The customer status monitoring unit utilizes real-time data processing technology to continuously track customer arrivals and implement exception handling logic. The evaluation analysis unit utilizes big data analysis tools to categorize and analyze customer evaluation data, analyzing sentiment and generating service quality reports. Data exchange between these units is achieved through a high-speed data bus, ensuring system operational efficiency.

[0031] Branch Information Collection Module: At each bank branch, the branch information collection module consists of window infrared sensors, teller terminals, and intelligent queuing devices. The infrared sensors monitor window occupancy in real time and transmit signals to the teller terminals. During transactions, the teller terminals input information such as the transaction type and estimated processing time, and work with the intelligent queuing devices to update queue data. The intelligent queuing devices upload information such as the number of available windows at the branch and the progress of transactions to the bank's back-end processing module in real time via the bank's internal network. The system utilizes edge computing technology to perform preliminary processing of collected data at the branch, reducing data transmission pressure. Through dual-link network transmission and data verification mechanisms, the accuracy and stability of information collection are ensured.

[0032] The above is a detailed description of the present invention in conjunction with specific embodiments, and the specific implementation methods of the present invention should not be considered to be limited to these descriptions. For those skilled in the art to which the present invention relates, any equivalent substitutions or obvious modifications that do not depart from the concept of the present invention and have the same performance or use should be considered to fall within the scope of patent protection of the present invention as determined by the submitted claims.

Claims

1. A method for intelligent bank queuing based on mobile banking, characterized by: The specific steps include: Step 1: The customer logs in to the mobile banking client and obtains basic information and location information; Step 2: The customer selects the branch and service type; Step 3: The bank's back-end system analyzes business needs and calculates queuing information based on branch conditions, including waiting time and recommended arrival time; Step 4: The customer confirms the queue number and receives a reminder; Step 5: The customer arrives, signs in, handles the business, and gives an evaluation after the business is completed.

2. The method for intelligent bank queuing based on mobile banking according to claim 1, characterized in that: In step one, the basic information includes name, ID number, contact information, historical business records and credit rating.

3. The method for intelligent bank queuing based on mobile banking according to claim 1, characterized in that: In step 2, the information of surrounding bank branches is automatically obtained based on the location information, including the branch name, address, distance from the customer's current location, real-time queue number and average waiting time; Customers select the target branch and the specific business type based on their own needs and the conditions of each branch.

4. The method for intelligent bank queuing based on mobile banking according to claim 2, characterized in that: In step three, the bank's back-end system receives the branch selection, business type and related information submitted by the customer, and calculates the customer's queue information, including the estimated waiting time, recommended arrival time, and queue number at the branch.

5. The method for intelligent bank queuing based on mobile banking according to claim 3, characterized in that: In step 4, after the customer confirms the queue number, he or she can check his or her queue status in real time on the mobile banking client, and the customer will be reminded when the queue number is close to the current processing number.

6. The method for intelligent bank queuing based on mobile banking according to claim 2, characterized in that: In step 4, the reminder methods include SMS reminder, APP push notification and voice reminder, and the customer can choose at least one of the above methods; Customers can set reminder trigger conditions, such as being reminded when there are 3 or five queue numbers left from the current processing number.

7. The method for intelligent bank queuing based on mobile banking according to claim 2, characterized in that: In step 5, after arriving at the branch, the customer signs in on the mobile banking app and waits for the window number to be called; After the transaction is completed, customers can evaluate the transaction process on the mobile banking client.

8. The method for intelligent bank queuing based on mobile banking according to claim 2, characterized in that: In step 5, if the customer fails to arrive at the branch to sign in before the recommended arrival time, the mobile banking client and back-end system will activate the late arrival processing mechanism; If the customer fails to check in at the branch on the same day, the backend system will lower the customer's credit rating and prohibit the customer from using the mobile banking queuing function within one week.

9. The intelligent bank queuing device based on mobile banking according to claim 2, comprising a customer terminal module, a bank backend processing module and a branch information collection module, characterized in that: Customer terminal module: used to log in, obtain basic information and location information, and select branches and services; receives and displays queue number information sent by the bank's back-end system, provides real-time queue status query, and allows for multiple reminder settings and receipt functions; supports customer sign-in, service evaluation, and triggers late-arrival processing-related interactions; Bank backend processing module: used to receive information submitted by the customer terminal module, analyze business needs according to business rules and algorithms; calculate queue number information based on the business situation of the branch; Monitor customer status in real time and implement late and no-show processing mechanisms; Receive and analyze customer evaluation information to optimize service strategies; Branch information collection module: deployed in each bank branch, collects information such as the number of idle windows in the branch, the estimated remaining time for each window to handle business, the business busyness of the branch at different time periods, etc. in real time, and transmits the data to the bank's back-end processing module.

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