Device for providing bank application to call taxi and drawing number of bank branch and method thereof

Abstract

A device and method for providing a service to hail a taxi using a bank application and obtain a ticket number at a bank branch is disclosed. The method involves transmitting the user's taxi-hailing information and pending business details to the bank's server via the bank application. The bank server then forwards the taxi-hailing information to a dispatch server. After the taxi is hailed, the bank server receives the arrival time from the dispatch server. If the destination in the taxi-hailing information is a bank branch and the arrival time falls within the branch's business hours, the bank server transmits the arrival time to the branch's service host. The branch's service host then determines the ticket number collection time based on the arrival time, the number of people currently waiting for their business, and the average waiting time. This technical means allows for ticket reservations to be completed while traveling, thus reducing waiting time at the bank.

Description

Technical Field

[0001] A device and method for making reservations and obtaining a number at a bank branch, particularly a device and method for providing a bank application for hailing a ride and obtaining a number at a branch. Prior Technology

[0002] In the past, going to the bank to conduct business often required spending a lot of time waiting for transportation and waiting for a number to be called.

[0003] However, with the development of the Internet and the advancement of technology, many services can be carried out online. For example, the ride-hailing service that used to be done by phone can now be booked online through mobile applications. Users can conveniently book a vehicle to reach their destination through the mobile application, thus effectively saving waiting time.

[0004] However, currently, when conducting business at banks, users often need to take a number and wait in line after arriving, which still results in wasted time. Although banks offer online number-taking services, users usually cannot assess the waiting time, so they still need to arrive at the bank early to wait for their number to be called, to avoid missing their turn and having to spend more time waiting.

[0005] In summary, it is clear that previous technologies have long suffered from the problem of requiring customers to arrive at bank branches in advance and wait, thus necessitating the development of improved technologies to address this issue. Summary of the Invention

[0006] In view of the problem that prior art requires customers to arrive early and wait when conducting business at a bank branch, the present invention discloses an apparatus and method for providing a service to hail a ride using a bank application and obtain a number at the branch, wherein:

[0007] The device disclosed in this invention, which provides a service for hailing a taxi using a bank application and obtaining a number at a branch, includes at least: a data transmission module for receiving taxi hailing information and pending transactions obtained by the bank application via voice or text, the taxi hailing information including the origin and destination locations; a taxi hailing processing module for transmitting the taxi hailing information to a dispatch server via the data transmission module, enabling the dispatch server to dispatch a vehicle based on the taxi hailing information, and receiving the arrival time of the dispatched vehicle at the destination location transmitted back by the dispatch server via the data transmission module, the arrival time being obtained based on the predetermined route of the dispatched vehicle, and the predetermined route being generated based on the taxi hailing information and the current location of the dispatched vehicle; and a sequence processing module for determining that when the destination location is a bank branch and the arrival time is within the bank branch's business hours, transmitting the arrival time and pending transactions to the branch service host via the data transmission module, enabling the branch service host to determine the number-obtaining time based on the arrival time, the current number of people waiting for the pending transactions, and the average waiting time, and obtaining the reservation number corresponding to the pending transaction at the number-obtaining time.

[0008] The method disclosed in this invention for providing a bank application for hailing a taxi and obtaining a number at a branch includes at least the following steps: The client executes the bank application, which obtains taxi hailing information and pending transactions and transmits these information and transactions to the bank server. The taxi hailing information includes the origin and destination locations. The bank server transmits the taxi hailing information to a dispatch server. The dispatch server generates and transmits a dispatch message to the dispatch vehicle based on the taxi hailing information. The dispatch server obtains the arrival time of the dispatch vehicle at the destination location based on the vehicle's predetermined route and transmits the arrival time to the bank server. The predetermined route is generated based on the taxi hailing information and the current location of the dispatch vehicle. When the bank server determines that the destination location is a bank branch and the arrival time is within the branch's business hours, it transmits the arrival time and pending transactions to the branch service host. The branch service host determines the number-obtaining time based on the arrival time, the current number of people waiting for the pending transactions, and the average waiting time, and obtains the reservation number corresponding to the pending transaction at the number-obtaining time.

[0009] The apparatus and method disclosed in this invention are as described above. The difference between this invention and the prior art is that the present invention transmits the user's input of ride-hailing information and pending business to the bank server through a bank application. The bank server then forwards the ride-hailing information to the dispatch server for ride-hailing. After the ride-hailing is initiated, the bank server receives the arrival time returned by the dispatch server and determines that the destination in the ride-hailing information is a bank branch and the arrival time is within the bank branch's business hours. In this case, the bank server transmits the arrival time to the branch service host. The branch service host then determines the queuing time based on the arrival time, the current number of people waiting for pending business, and the average waiting time, and obtains the reservation number at the queuing time. This solves the problems existing in the prior art and can effectively reduce the waiting time for conducting business at the bank. Simple Explanation of the Diagram

[0010] Figure 1 is a schematic diagram of the components of the computing device proposed in this invention. Figure 2 is a system architecture diagram of the system proposed in this invention that provides a bank application for hailing a taxi and obtaining a number at a branch. Figure 3A is a flowchart of the method proposed in this invention for providing a bank application to call a taxi and obtain a number at a branch. Figure 3B is a flowchart of the method for updating arrival time proposed in this invention. Figure 3C is a flowchart of the method for calculating discounts on fares proposed in this invention. Figure 3D is a flowchart of the method for calculating and prompting for fee reduction proposed in this invention. Figure 3E is a flowchart of the method for calculating and deducting amounts and transferring them to the user's account as proposed in this invention. Implementation

[0011] The features and implementation methods of the present invention will be described in detail below with reference to the accompanying drawings and embodiments. The content is sufficient to enable anyone skilled in the art to easily and fully understand the technical means used by the present invention to solve the technical problem and to implement it accordingly, thereby achieving the effects that the present invention can achieve.

[0012] This invention allows the bank server to obtain a reservation number from the branch service host based on the arrival time of the dispatched vehicle when a user calls a car through the bank application executed by the user's client to go to the bank branch for business.

[0013] This invention can be implemented by multiple computing devices, such as the aforementioned client, bank server, and branch service host. The computing device described in this invention includes, but is not limited to, one or more processing modules, one or more memory modules, and buses connecting different hardware components (including memory modules and processing modules). Through these multiple hardware components, the computing device can load and execute an operating system, allowing the operating system to run on the computing device, and can also execute software or programs. The computing device also includes a housing, within which the aforementioned hardware components are housed.

[0014] The bus of the computing device proposed in this invention may include one or more types, such as data bus, address bus, control bus, expansion bus, and / or local bus. The bus of the computing device includes, but is not limited to, Industry Standard Architecture (ISA) buses, Peripheral Component Interconnect (PCI) buses, Video Electronics Standards Association (VESA) local buses, and serial Universal Serial Bus (USB), PCI Express (PCI-E / PCIe) buses, etc.

[0015] The processing module of the computing device proposed in this invention is coupled to a bus. The processing module includes a register set or register space, which may be entirely located on the processing chip of the processing module, or wholly or partially located outside the processing chip and coupled to the processing chip via dedicated electrical connections and / or via a bus. The processing module may be a central processing unit, a microprocessor, or any suitable processing element. If the computing device is a multiprocessor device, that is, the computing device contains multiple processing modules, then the processing modules contained in the computing device are identical or similar and are coupled and communicate via a bus. In some embodiments, the processing module can interpret a computer instruction or a series of multiple computer instructions to perform specific calculations or operations, such as mathematical operations, logical operations, data comparison, copying / moving data, etc., thereby driving other hardware components in the computing device or running an operating system or executing various programs and / or modules. Computer instructions can be assembly language instructions, instruction set architecture instructions, machine instructions, machine-dependent instructions, microinstructions, firmware instructions, or source code or object code written in any combination of one or more programming languages. Computer instructions can be executed entirely on a single computing device, partially on a single computing device, or partially on one computing device and partially on another connected computing device. The aforementioned programming languages ​​include object-oriented programming languages ​​such as Common Lisp, Python, C++, Objective-C, Smalltalk, Delphi, Java, Swift, C#, Perl, Ruby, etc., and conventional procedural programming languages ​​such as C or other similar programming languages.

[0016] Computing devices typically include one or more chipsets. The processing modules of the computing device can be coupled to or electrically connected to the chipset via buses. A chipset consists of one or more integrated circuits (ICs), including memory controllers and peripheral input / output (I / O) controllers. That is, the memory controller and I / O controller can be contained within a single IC or implemented using two or more ICs. Chipsets typically provide I / O and memory management functions, as well as multiple general-purpose and / or dedicated registers, timers, etc., which can be accessed or used by one or more processing modules coupled or electrically connected to the chipset. In some embodiments, the chipset may also be part of the processing module.

[0017] The processing module of a computing device can also access data in the memory modules and mass storage areas installed on the computing device through the memory controller. The aforementioned memory modules include any type of volatile memory and / or non-volatile memory (NVRAM), such as Static Random Access Memory (SRAM), Dynamic Random Access Memory (DRAM), Read-Only Memory (ROM), and Flash memory. The aforementioned mass storage areas can contain any type of storage device or storage media, such as hard drives, optical discs, flash drives, memory cards, solid-state drives (SSDs), or any other storage devices. In other words, the memory controller can access data in static random access memory, dynamic random access memory, flash memory, hard drives, and solid-state drives.

[0018] The processing module of a computing device can also connect and communicate with peripheral devices or interfaces such as peripheral output devices, peripheral input devices, communication interfaces, and various data or signal receiving devices via a peripheral input / output controller and a peripheral input / output bus. Peripheral input devices can be any type of input device, such as a keyboard, mouse, trackball, touchpad, joystick, etc., and peripheral output devices can be any type of output device, such as a monitor, printer, etc. Peripheral input devices and peripheral output devices can also be the same device, such as a touch screen. The communication interface can include wireless and / or wired communication interfaces. Wireless communication interfaces can include interfaces supporting wireless local area networks (such as Wi-Fi, Zigbee, etc.), Bluetooth, infrared, near-field communication (NFC), 3G / 4G / 5G mobile communication networks (cellular networks), or other wireless data transmission protocols. Wired communication interfaces can be Ethernet devices, DSL modems, cable modems, asynchronous transfer mode (ATM) devices, or fiber optic communication interfaces and / or components. Data or signal receiving devices can include GPS receivers or physiological signal receivers. Physiological signals received by the physiological signal receiver include, but are not limited to, heart rate and blood oxygenation. The processing module can periodically poll various peripheral devices and interfaces, enabling the computing device to input and output data through these peripheral devices and interfaces, and also to communicate with another computing device that has the hardware components described above.

[0019] The following description uses the schematic diagram of the computing device of the present invention in Figure 1 to illustrate various devices for implementing the present invention. As shown in Figure 1, each device 100 of the present invention includes a memory 110, a communication interface 130, a storage medium 140, a processor 170, and a bus 190. In some devices, a positioning module 120 and / or an input / output unit 150 may be included. The processor 170 can be connected to the memory 110, the positioning module 120, the communication interface 130, the storage medium 140, and the input / output unit 150 through the bus 190.

[0020] Memory 110 can store one or more sets of computer instructions, and the computer instructions stored in different devices are usually different.

[0021] The positioning module 120 can obtain the location information of the device 100. The location information mentioned in this invention may be the location information obtained through the Global Positioning System (GPS), but this invention is not limited thereto.

[0022] The communication interface 130 can connect to network storage devices or servers (not shown) outside the device 100 and request and download data from the connected network devices.

[0023] Storage medium 140 can store data or signals downloaded by communication interface 130, data or signals provided to processor 170 or required for processor 170 to operate, and data or signals generated by processor 170.

[0024] The input / output unit 150 can input data through peripheral input devices such as the keyboard or mouse of the device 100, and the input data is usually provided to the processor 170 for use; the input / output unit 150 can also output data generated by the processor 170 through peripheral output devices such as the display of the device 100.

[0025] The processor 170 can execute computer instructions stored in the memory 110, and can execute one or more corresponding software modules. The processor 170 may also include one or more hardware modules capable of performing specific tasks, each hardware module being generated by one or more circuits and / or complete or partial hardware components such as chips. That is to say, the processor 170 may include one or more modules, and each module included in the processor 170 may be a software module or a hardware module; the present invention is not particularly limited.

[0026] The following continues to describe the system proposed in this invention using the system architecture diagram of "Figure 2" which provides a system for hailing a car through a bank application and obtaining a number at a branch. The system of this invention includes devices such as a client 210, a dispatch server 230, a dispatch vehicle 240, a bank server 250, and a branch service host 270, and may also include an attachable processing device 280.

[0027] The client 210 can be connected to the bank server 250 and has a positioning function. That is, the client 210 includes a positioning module 120. For example, the client 210 can be a smartphone or a PDA or other mobile device, but the present invention is not limited thereto.

[0028] On the other hand, client 210 can also download and run banking application 211. Banking application 211 can provide a user interface to the user of client 210, allowing the user to perform operations on the user interface to conduct one or more online banking or mobile banking services or online ride-hailing functions.

[0029] When providing online ride-hailing functionality, the bank application 211 allows users to input ride-hailing information and pending tasks via voice or text input through the input / output unit of the client 210 in the user interface provided by the bank application 211. The input ride-hailing information and pending tasks can then be transmitted to the bank server 150. In this invention, the ride-hailing information includes the starting point and destination location. In some embodiments, the ride-hailing information may also include the reservation time. It should be noted that the bank application 211 can obtain location information through the positioning module of the client 210 and use this location information as the starting point. The bank application 211 can also display map information on the client 210 through the input / output unit of the client 210 and provide the option to select the starting point and / or destination location on the map. Alternatively, the bank application 211 can also provide an input address or landmark to set the starting point and destination location through the input / output unit of the client 210. However, the methods by which the bank application 211 outputs ride-hailing information are not limited to the above.

[0030] The banking application 211 can also generate an arrival message when it determines that the client 210 has arrived at the bank branch, and can transmit the generated arrival message to the bank server 250. The banking application 211 can obtain the current location information through the client 210's positioning module, and can determine that the client 210 has arrived at the bank branch when the distance between the obtained location information and the location of the bank branch is less than a distance threshold. The banking application 211 can also provide objects such as buttons or options in the user interface that are synonymous with "arrived", and can determine that the client 210 has arrived at the bank branch when the object indicating "arrived" is clicked. However, the way the banking application 211 determines whether the client 210 has arrived at the bank branch is not limited to the above.

[0031] The dispatch server 230 can be connected to the dispatch vehicle 240 and the bank server 250. Generally, the dispatch server 230 is a server set up in the dispatch unit / organization / fleet / company, but the present invention is not limited thereto.

[0032] The dispatch server 230 is responsible for receiving the ride-hailing information transmitted by the bank server 250, generating a dispatch message based on the received ride-hailing information, and transmitting the generated dispatch message to the dispatch vehicle 240, so that the dispatch vehicle 240 can accept the dispatch work corresponding to the ride-hailing information transmitted by the bank server 50. The dispatch server 230 can transmit the dispatch message to one or more candidate vehicles. When the dispatch server 230 transmits the dispatch message to multiple candidate vehicles, the dispatch server 230 can select one of the candidate vehicles as the dispatch vehicle 240 to accept the dispatch work based on the acceptance message returned by the candidate vehicle. For example, the dispatch server 230 can select the candidate vehicle as the dispatch vehicle 240 based on one or more conditions such as the order in which the candidate vehicle returned the acceptance message or the length of time since the candidate vehicle last accepted a dispatch work. However, the present invention is not limited to this.

[0033] The dispatch server 230 is also responsible for obtaining the arrival time of the dispatched vehicle 240 to the destination location in the received ride-hailing information based on the scheduled route of the dispatched vehicle 240, and for transmitting the obtained arrival time to the bank server 250. It should be noted that the dispatch server 230 can plan the scheduled route of the dispatched vehicle 240 based on the current location returned by the dispatched vehicle 240 and the origin and destination locations in the ride-hailing information, and generate relevant information about the scheduled route, such as the passenger's pick-up time and / or arrival time, and can obtain the arrival time of the dispatched vehicle 240 to the destination location from the generated information about the scheduled route; the dispatch server 230 can also receive information about the scheduled route planned by the dispatched vehicle 240 based on the current location, origin location, and destination location, and extract the arrival time from the received information about the scheduled route; the dispatch server 230 can also directly receive the arrival time transmitted by the dispatched vehicle.

[0034] The dispatch server 230 can also generate an arrival message when it determines that the client 210 has arrived at the bank branch, and can transmit the generated arrival message to the bank server 250. The dispatch server 230 can receive passenger arrival messages and / or vehicle information transmitted by the dispatch vehicle 240, and can determine that the client 210 has arrived at the bank branch when it receives passenger arrival messages and / or vehicle information. However, the way the dispatch server 230 determines whether the client 210 has arrived at the bank branch is not limited to the above. For example, the dispatch server 230 can also determine that the client 210 has arrived at the bank branch when it determines that the distance between the current location information transmitted back by the dispatch vehicle 240 and the location of the bank branch is less than a distance threshold.

[0035] The dispatch server 230 can also receive discount messages transmitted by the bank server 250 and forward the received discount messages to the dispatch vehicle 240; the dispatch server 230 can also receive fare inquiry messages transmitted by the bank server 250 and send the received fare information back to the bank server 250, or generate fare return messages based on the received fare inquiry messages and send the generated fare return messages to the dispatch vehicle 240, so as to inquire about the fare from the dispatch vehicle 240.

[0036] The dispatch vehicle 240 can be connected to the dispatch server 230. Generally, the dispatch vehicle 240 can connect to the dispatch server 230 through a computing device installed inside the dispatch vehicle 240, such as a smartphone or tablet running vehicle dispatch software. However, this invention is not limited to this; for example, the dispatch vehicle 240 can also connect to the dispatch server 230 through an onboard computer. In other words, the dispatch vehicle 240 typically connects and exchanges data or signals with the dispatch server 230 through the device running the vehicle dispatch software within the dispatch vehicle 240 or through the onboard computer.

[0037] The dispatch vehicle 240 is responsible for receiving the dispatch message transmitted by the dispatch server 230, driving to the starting point location in the dispatch message to pick up passengers, and driving to the destination location in the dispatch message. In some embodiments, the dispatch vehicle 240 can also plan a predetermined route based on the starting point and destination locations contained in the received dispatch message and the current location of the dispatch vehicle 240, and can also transmit the planned predetermined route and related information to the dispatch server 230, or can display the planned predetermined route to the user.

[0038] Dispatch vehicle 240 can receive discount messages transmitted by dispatch server 230 and deduct the fare based on the discount messages upon arrival at the destination. Dispatch vehicle 240 can also receive fare inquiry messages transmitted by dispatch server 230 and can send the fare back to dispatch server 230.

[0039] The dispatch vehicle 240 can also send a passenger arrival message to the dispatch server 230 when it arrives at the destination or when the passenger gets off, or it can send the current location to the dispatch server 230 at regular intervals or at fixed times.

[0040] The bank server 250 can connect to the client 210, the dispatch server 230, and the branch service host 270. Generally, the bank server 250 is located inside the bank, but the present invention is not limited thereto.

[0041] The bank server 250 may include a data transmission module 251, a ride-hailing processing module 253, a sequence processing module 255, and a discount calculation module 257.

[0042] The data transmission module 251 can connect to the vehicle dispatch server 230 and the branch service host 270 through the communication interface of the bank server 250, so as to exchange data or signals.

[0043] The data transmission module 251 is responsible for receiving ride-hailing information and pending tasks transmitted by the bank application 211.

[0044] The ride-hailing processing module 253 can obtain the ride-hailing information received by the data transmission module 251. The ride-hailing processing module 253 is also responsible for transmitting the ride-hailing information to the dispatch server 230 through the data transmission module 251, and receiving the arrival time returned by the dispatch server 230.

[0045] The sequence processing module 255 can also obtain the ride-hailing information, pending business, and arrival time received by the data transmission module 251, and is responsible for determining that when the destination location in the ride-hailing information is a bank branch and the arrival time is during the bank branch's business hours, it will transmit the arrival time and pending business to the branch service host 270.

[0046] The sequence processing module 255 is also responsible for receiving the arrival message transmitted by the dispatch server 230 or the bank application 211 through the data transmission module 251, and transmitting the arrival message to the branch service host 270.

[0047] The sequence processing module 255 can also receive customer non-arrival messages transmitted by the branch service host 270 through the data transmission module 251. Upon receiving a customer non-arrival message, it can obtain an updated arrival time from the dispatch server 230 and transmit the updated arrival time back to the branch server 270. The customer non-arrival message may contain data that can identify the bank application 211 locked and executed by the client 210, such as application identification data, customer identification data, etc., but the present invention is not limited to the above.

[0048] The discount calculation module 257 can obtain the ride-hailing information and arrival message received by the data transmission module 251. When the destination location in the ride-hailing information is a bank branch and the arrival message is received during the bank branch's business hours, a discount message is generated. The discount message generated can be transmitted to the branch service host 270 at the same time as the arrival message is transmitted through the data transmission module 251.

[0049] The discount calculation module 257 can also determine that when the destination location in the ride-hailing information is a bank branch and the arrival time is during the bank branch's business hours, it generates a discount message and transmits the generated discount message to the dispatch server 230 through the data transmission module 251.

[0050] The discount calculation module 257 can also determine that the destination location in the ride-hailing information is a bank branch and the time of receiving the arrival message is during the bank branch's business hours. In this case, it generates a discount message and queries the dispatch server 230 for the fare of the dispatched vehicle 240 through the data transmission module 251. Based on the obtained fare of the dispatched vehicle 240 and the generated discount message, it calculates the discount amount.

[0051] It should be noted that the discount calculation module 257 can generate fee reduction messages or discount messages using a predetermined discount, or it can generate fee reduction messages or discount messages according to the discount corresponding to the customer level of the user in the bank within the pre-set client 210. However, the way the present invention generates fee reduction messages or discount messages is not limited to the above.

[0052] The discount calculation module 257 can also connect to the bank's internal account management server (not shown in the figure) through the data transmission module 251 to obtain the bank account number corresponding to the bank application 211, and transfer the generated discount amount to the bank account.

[0053] Branch service host 270 can be connected to bank server 250 and processing device 280, and is usually set up in bank branch, but the present invention is not limited thereto.

[0054] Branch service host 270 is responsible for receiving the arrival time and pending transactions transmitted by bank server 250. Based on the received arrival time, the current number of people waiting for the pending transactions, and the average waiting time, it determines the queuing time and obtains the appointment number corresponding to the pending transaction at that time. For example, upon receiving the arrival time, branch service host 270 can calculate the current waiting time based on the current number of people waiting for the pending transactions and the average waiting time. If the current waiting time is later than the arrival time, branch service host 270 determines the queuing time as the current time and extracts the appointment number corresponding to the pending transaction. If the current waiting time is earlier than the arrival time, branch service host 270 can calculate the time difference between the current waiting time and the arrival time and determine the queuing time as the current time plus the time difference. That is, the appointment number corresponding to the pending transaction can be extracted at the determined queuing time.

[0055] Branch service host 270 is also responsible for receiving arrival messages transmitted by bank server 250.

[0056] The branch service host 270 can also determine if it has not received the arrival message from the bank server 250 before the appointment number obtained at the queuing time is called. If it does, it generates and sends the customer's non-arrival message to the bank server 250, and receives the updated arrival time from the bank server 250. Based on the updated arrival time, the current number of people waiting, and the average waiting time of the pending business, it determines another appointment number corresponding to the pending business.

[0057] The branch service host 270 is also responsible for setting the next service number as another appointment number corresponding to the pending business when it receives the arrival message transmitted by the bank server 250.

[0058] Branch service host 270 can also receive fee reduction messages transmitted by bank server 250, and can transmit the received fee reduction messages to the handling device 280 of the staff handling the pending business when the appointment number is called.

[0059] The processing device 280 can connect to the branch service host 270, and can also receive fee reduction messages transmitted by the branch service host 270. It can calculate the fee reduction based on the received fee reduction message and the actual business processed, and notify the processing personnel of the fee reduction.

[0060] The operating system and method of the present invention will be explained next with an embodiment, and please refer to "Figure 3A" for the flowchart of the method of providing a bank application to call a car and obtain a number at a branch.

[0061] When a user of client 210 wants to use this invention to hail a ride to a bank branch to conduct business, they can operate client 210 to execute bank application 211. After being executed by client 210, bank application 211 obtains ride-hailing information including the starting location and destination location, as well as pending business, and transmits the ride-hailing information and pending business to bank server 250 (step 301). In this embodiment, it is assumed that bank application 211 can obtain the starting location through the positioning module of client 210 and provide a user interface for the user of client 210 to set the destination location and pending business.

[0062] After the bank application 211 transmits the ride-hailing information and pending business to the bank server 250, the bank server 250 can transmit the received ride-hailing information to the dispatch server 230. The dispatch server 230 can generate a dispatch message based on the received ride-hailing information and can transmit the generated dispatch message to the dispatch vehicle 240 (step 310). In this embodiment, it is assumed that the dispatch server 230 can transmit the ride-hailing information to all candidate vehicles waiting for passengers, and select one of the candidate vehicles that returned the acceptance message as the dispatch vehicle 240.

[0063] After the dispatch server 230 transmits the dispatch message to the dispatch vehicle 240, the dispatch server 230 can obtain the arrival time of the dispatch vehicle 240 to the destination location based on the predetermined driving route of the dispatch vehicle 240, and transmit the arrival time to the bank server 250 (step 320). In this embodiment, it is assumed that the dispatch vehicle 240 can generate a predetermined driving route based on the received ride-hailing information and its current location, and can obtain the passenger pick-up time to the starting point and the arrival time to the destination location based on the generated predetermined driving route, and can transmit the passenger pick-up time and arrival time to the bank server 250.

[0064] Similarly, after the bank application 211 transmits the ride-hailing information and pending business to the bank server 250 (step 301), the bank server 250 can determine whether the destination location in the received ride-hailing information is a bank branch. If the destination location is a bank branch, the bank server 250 can determine whether the received arrival time is within the bank branch's business hours after receiving the arrival time transmitted by the dispatch server 230. If the arrival time is within the bank branch's business hours, the bank server 250 can transmit the arrival time received from the dispatch server 230 and the pending business received from the client 210 to the branch service host 270 corresponding to the bank branch indicated by the destination location in the ride-hailing information (step 330).

[0065] After the branch service host 270 receives the arrival time and pending business transmitted by the bank server 250, the branch service host 270 can determine the queuing time based on the received arrival time, the current number of people waiting to handle pending business in the branch and the average waiting time, and can obtain the appointment number corresponding to the pending business at the determined queuing time (step 350).

[0066] If, as shown in Figure 3B, the branch service host 270 has not received an arrival message from the bank server 250 before the obtained appointment number is called (step 371), the bank server 250 can obtain the updated arrival time from the dispatch server 230 and transmit the updated arrival time to the branch server 270 (step 373). The branch service host 270 can then determine another appointment number corresponding to the pending business based on the updated arrival time, the current number of people waiting for pending business in the branch, and the average waiting time (step 375).

[0067] Subsequently, if the bank server 250 receives an arrival message from the dispatch server 230 or the bank application 211 when the client 210 arrives at the bank branch, the bank server 250 can transmit the received arrival message to the branch service host 270 (step 377). Upon receiving the arrival message transmitted by the bank server 250, the branch service host 270 can set the other appointment number determined as the next service number (step 379).

[0068] Thus, through this invention, when a user hails a taxi through a bank application to conduct business at a bank branch, the bank server can notify the branch service host to arrange an appointment number based on the arrival time of the dispatched vehicle.

[0069] In the above embodiments, as shown in the flowchart of "Figure 3C", when the bank server 250 determines that the destination is a bank branch and the arrival time is during the bank branch's business hours, it generates a discount message and sends the discount message to the dispatch server 230 (step 341). The dispatch server 230 sends the discount message to the dispatch vehicle 240, and the dispatch vehicle 240 deducts the fare according to the discount message when it arrives at the destination (step 345).

[0070] Alternatively, as shown in the flowchart in "Figure 3D", when the bank server 250 determines that the destination is a bank branch and the time of receiving the arrival message is during the bank branch's business hours, it generates a fee reduction message and sends the arrival message and fee reduction message to the branch service host 270 (step 365). When the appointment number is called, the branch service host 270 sends a fee reduction message to the handling device 280 of the person handling the pending business (step 381). The handling device 280 calculates the fee reduction based on the fee reduction message and the actual business handled and prompts the person to reduce the fee (step 385).

[0071] Alternatively, as shown in Figure 3E, when the bank server 250 determines that the destination is a bank branch and the arrival time is during the bank branch's business hours, it generates a discount message (step 367). At the same time, the bank server 250 queries the dispatch server 230 for the fare of the dispatched vehicle 240 (step 391), calculates the discount amount based on the fare of the dispatched vehicle 240 and the discount message (step 393), obtains the bank account number corresponding to the bank application (step 395), and transfers the discount amount into the bank account (step 397).

[0072] In summary, the difference between this invention and prior art lies in the following: the bank application transmits the user's input of ride-hailing information and pending business to the bank server. The bank server then forwards the ride-hailing information to the dispatch server for ride-hailing. After the bank server receives the arrival time from the dispatch server and determines that the destination in the ride-hailing information is a bank branch and the arrival time is within the bank branch's business hours, it transmits the arrival time to the branch service host. The branch service host then determines the queuing time based on the arrival time, the current number of people waiting for pending business, and the average waiting time, and obtains the reservation number at the queuing time. This technical means can solve the problem of needing to arrive early and wait when conducting business at a bank branch, which exists in prior art, thereby effectively reducing the waiting time for conducting business at a bank.

[0073] Furthermore, the method of estimating the time to obtain a number when the destination of a ride-hailing service is a bank can be implemented in hardware, software, or a combination of hardware and software. It can also be implemented in a centralized manner in a computer system or in a decentralized manner with different components distributed among several interconnected computer systems.

[0074] While the embodiments disclosed in this invention are as described above, the content is not intended to directly limit the scope of patent protection for this invention. Any modifications or refinements made in form and detail to the implementation of this invention by those skilled in the art, without departing from the spirit and scope disclosed herein, shall fall within the scope of patent protection for this invention. The scope of patent protection for this invention shall still be determined by the claims outlined in the appended patent applications.

[0075] 100: Device 110: Memory 120: Positioning Module 130: Communication Interface 140: Storage Media 150: Input / Output Unit 170: Processor 190: Busbar 210: Client 211: Banking Applications 230: Dispatch Server 240: Dispatch vehicles 250: Bank Server 251: Data transmission module 253: Ride-hailing processing module 255: Sequence Processing Module 257: Discount Calculation Module 270: Branch Service Host 280: Operating device Step 301: The bank application executed by the client obtains the ride-hailing information and pending transactions, and transmits the ride-hailing information and pending transactions to the bank server. Step 310: The bank server sends the ride-hailing information to the dispatch server. The dispatch server generates and sends a dispatch message to the dispatch vehicle based on the ride-hailing information. Step 320: The dispatch server obtains the arrival time of the dispatched vehicle at the destination location based on the vehicle's predetermined route and transmits the arrival time to the bank server. Step 330: When the bank server determines that the destination location is a bank branch and the arrival time is during the bank branch's business hours, it transmits the arrival time and pending business to the branch's service host. Step 341: When the bank server determines that the destination is a bank branch and the arrival time is during the bank branch's business hours, it generates a discount message and sends the discount message to the dispatch server. Step 345: The dispatch server sends a discount message to the dispatched vehicle. Upon arrival at the destination, the dispatched vehicle deducts the fare based on the discount message. Step 350: The branch service host determines the ticket collection time based on the arrival time, the current number of people waiting for the pending business, and the average waiting time, and obtains the appointment number corresponding to the pending business at the ticket collection time. Step 361: When the client arrives at the bank branch, the dispatch server or bank application sends an arrival notification to the bank server. The bank server then sends the arrival notification to the branch service host. Step 365: When the bank server determines that the destination location is a bank branch and the arrival time of the received message is within the bank branch's business hours, it generates a fee reduction message and transmits the arrival message to the branch service host. Step 367: When the bank server determines that the destination is a bank branch and the arrival message is received during the bank branch's business hours, a discount message is generated. Step 371: The branch service host has not received an arrival message within a certain period of time before the appointment number is called. Step 373: The bank server obtains the updated arrival time from the dispatch server and transmits the updated arrival time to the branch server. Step 375: The branch server determines another appointment number based on the updated arrival time, the current number of people waiting, and the average waiting time for pending transactions. Step 377: When the client arrives at the bank branch, the dispatch server or bank application sends an arrival notification to the bank server. The bank server then sends the arrival notification to the branch service host. Step 379: Upon receiving the arrival message, the branch service host sets another appointment number as the next service number. Step 381: When the appointment number is called, the branch service host sends a fee reduction message to the processing device of the staff member handling the pending business. Step 385: The processing device calculates the fee reduction based on the fee reduction information and the actual transaction processed, and then displays the fee reduction notification. Step 391: The bank server queries the dispatch server for the fare of the dispatched vehicle. Step 393: The bank server calculates the discount amount based on the fare and discount information of the dispatched vehicle. Step 395: The bank server obtains the bank account number corresponding to the bank application. Step 397: The bank server transfers the discount amount to the bank account.

Claims

1. A method for providing a bank application for hailing a taxi and obtaining a number at a branch, the method comprising at least the following steps: A client executes a bank application, which obtains taxi hailing information and a pending transaction via voice or text and transmits the taxi hailing information and the pending transaction to a bank server, the taxi hailing information including a starting location and a destination location; The bank server transmits the taxi hailing information to a dispatch server; The dispatch server generates and transmits a dispatch message to a dispatch vehicle based on the taxi hailing information; The dispatch server obtains an arrival time of the dispatch vehicle at the destination location based on a predetermined route of the dispatch vehicle and transmits the arrival time to the bank server, wherein... The scheduled driving route is generated based on the ride-hailing information and the current location of the dispatched vehicle; when the bank server determines that the destination is a bank branch and the arrival time is during the bank branch's business hours, it transmits the arrival time and the pending business to a branch service host; and the branch service host determines a queuing time based on the arrival time, the current number of people waiting for the pending business, and the average waiting time, and obtains a reservation number corresponding to the pending business at the queuing time.

2. The method for providing a bank application to call a car and obtain a number at a branch as described in claim 1, wherein after the branch service host obtains the reservation number corresponding to the pending business at the time of obtaining the number, the method further includes the bank server receiving an arrival message transmitted by the dispatch server or the bank application, and when determining that the time of receiving the arrival message is within the bank branch's business hours, generating a fee reduction message and transmitting the arrival message and the fee reduction message together to the branch service host. When the reservation number is called, the branch service host transmits the fee reduction message to a handling device of the person handling the pending business, so that the handling device calculates a fee reduction based on the fee reduction message and the actual business handled and prompts the person handling the fee reduction.

3. The method for providing a ride-hailing service via a bank application and obtaining a number at a branch, as described in claim 1, further includes, after the step of the dispatch server transmitting the arrival time to the bank server, the steps of the bank server generating a discount message and transmitting the discount message to the dispatch server when it determines that the destination is a bank branch and the arrival time is during the bank branch's business hours, the dispatch server transmitting the discount message to the dispatched vehicle, and the dispatched vehicle deducting the fare based on the discount message upon arrival at the destination.

4. The method for providing a bank application to call a car and obtain a number at a branch as described in claim 1, wherein after the branch service host obtains the reservation number corresponding to the pending business at the time of obtaining the number, the method further includes the following steps: the bank server receives an arrival message transmitted by the dispatch server or the bank application, determines that the time of receiving the arrival message is within the bank branch's business hours, generates a discount message, queries the dispatch server for the fare of the dispatched vehicle, calculates a discount amount based on the fare of the dispatched vehicle and the discount message, obtains a bank account corresponding to the bank application, and transfers the discount amount into the bank account.

5. The method for providing a bank application to call a car and obtain a number at a branch as described in claim 1, wherein after the branch service host obtains the appointment number corresponding to the pending business at the time of obtaining the number, the method further includes the following steps: when the branch service host has not received an arrival message from the client when the appointment number is called within a certain period of time, the bank server obtains the updated arrival time from the dispatch server and transmits the updated arrival time to the branch server, so that the branch service host determines another appointment number corresponding to the pending business based on the updated arrival time, the current number of people waiting for the pending business, and the average waiting time; and when the bank server receives the arrival message after the branch service host determines the other appointment number, it transmits the arrival message to the branch service host, so that the branch service host sets the other appointment number as the next service number.

6. A device for providing a bank application for hailing a taxi and obtaining a number at a branch, providing a connection to a bank application executed by a client, the device comprising at least: a data transmission module for receiving a taxi hailing information and a pending transaction obtained by the bank application via voice or text, the taxi hailing information including a starting location and a destination location; A ride-hailing processing module is used to transmit ride-hailing information to a dispatch server via a data transmission module, so that the dispatch server dispatches a vehicle based on the ride-hailing information. The data transmission module also receives the arrival time of the dispatched vehicle at the destination location from the dispatch server. The arrival time is obtained based on a predetermined route of the dispatched vehicle, and the predetermined route is generated based on the ride-hailing information and the current location of the dispatched vehicle. A sequence processing module is used to determine that when the destination location is a bank branch and the arrival time is during the bank branch's business hours, it transmits the arrival time and the pending business to a branch service host via the data transmission module. The branch service host determines a queuing time based on the arrival time, the current number of people waiting for the pending business, and the average waiting time, and obtains a reservation number corresponding to the pending business at the queuing time.

7. The device for hailing a ride through a bank application and obtaining a number at a branch, as described in claim 6, further comprising a discount calculation module for obtaining the ride-hailing information and an arrival message transmitted by the dispatch server or the bank application, and determining that the destination location is the bank branch and the time of receiving the arrival message is during the bank branch's business hours, generating a discount message and transmitting the arrival message and the discount message to the branch service host through the data transmission module, so that when the reservation number is called, the branch service host transmits the discount message to a handling device of the person handling the pending business, and the handling device calculates a fee reduction based on the discount message and the actual business handled and displays the fee reduction.

8. The device for providing a bank application for hailing a taxi and taking a number at a branch, as described in claim 6, wherein the device further includes a discount calculation module for determining that when the destination is a bank branch and the arrival time is during the bank branch's business hours, generating a discount message and transmitting the discount message to the dispatch server through the data transmission module, so that the dispatch server transmits the discount message to the dispatched vehicle, and the dispatched vehicle deducts the fare according to the discount message when arriving at the destination.

9. The device for hailing a ride through a bank application and obtaining a number at a branch, as described in claim 6, wherein the device further includes a discount calculation module for obtaining the ride-hailing information and an arrival message transmitted by the dispatch server or the bank application, and determining that the destination location is the bank branch and the time of receiving the arrival message is during the bank branch's business hours, generating a discount message, querying the fare of the dispatched vehicle from the dispatch server through the data transmission module, calculating a discount amount based on the fare of the dispatched vehicle and the discount message, obtaining a bank account number corresponding to the bank application, and transferring the discount amount to the bank account number.

10. The device for providing a bank application to call a taxi and obtain a number at a branch as described in claim 6, wherein the sequence processing module is further configured to, when the branch service host does not receive an arrival message from the dispatch server or the bank application when the client arrives at the bank branch through the data transmission module within a certain period before the appointment number is called, obtain the updated arrival time from the dispatch server through the data transmission module, and transmit the updated arrival time to the branch server through the data transmission module, so that the branch service host determines another appointment number corresponding to the pending business based on the updated arrival time, the current number of people waiting for the pending business, and the average waiting time, and is configured to, after the branch service host determines the other appointment number, receive the arrival message through the data transmission module, transmit the arrival message to the branch service host, so that the branch service host sets the other appointment number as the next service number.

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