CN108335194A - Authorization method, system and the readable storage medium storing program for executing that bank self-help terminal traffic is handled - Google Patents
Authorization method, system and the readable storage medium storing program for executing that bank self-help terminal traffic is handled Download PDFInfo
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- CN108335194A CN108335194A CN201810051647.5A CN201810051647A CN108335194A CN 108335194 A CN108335194 A CN 108335194A CN 201810051647 A CN201810051647 A CN 201810051647A CN 108335194 A CN108335194 A CN 108335194A
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- G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
- G06Q40/02—Banking, e.g. interest calculation or account maintenance
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- G—PHYSICS
- G06—COMPUTING OR CALCULATING; COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/08—Payment architectures
- G06Q20/10—Payment architectures specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
- G06Q20/108—Remote banking, e.g. home banking
- G06Q20/1085—Remote banking, e.g. home banking involving automatic teller machines [ATMs]
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- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
- G06Q20/34—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using cards, e.g. integrated circuit [IC] cards or magnetic cards
- G06Q20/354—Card activation or deactivation
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- G—PHYSICS
- G06—COMPUTING OR CALCULATING; COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/38—Payment protocols; Details thereof
- G06Q20/382—Payment protocols; Details thereof insuring higher security of transaction
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Abstract
The invention discloses a kind of authorization methods that bank self-help terminal traffic is handled, including step：Obtain the corresponding type of service of business to be authorized and the corresponding optional authorization of the type of service；Wherein, optional authorization described in each includes the corresponding mandate approach of the authorization and authorised operator's information, and the corresponding mandate approach is live mandate approach or remote authorization approach；According to preset screening conditions, the authorization for being pushed to the user is determined from the optional authorization；According to the authorization for being pushed to the user, corresponding authorised operator's information is obtained, and initiate to call to corresponding authorised operator.The invention also discloses a kind of bankings to handle system and computer readable storage medium.The present invention solves the problems, such as current banking business authorization formula underaction, reduces the running cost of bank.
Description
Technical field
The present invention relates to the mandates that financial business self-aided terminal technical field more particularly to bank self-help terminal traffic are handled
Method, banking handle system and computer readable storage medium.
Background technology
In order to alleviate the business handling pressure of bank counter, occur by remotely attending a banquet terminal and bank self-help terminal is constituted
Bank business self-service handle system, but when user handles a kind of account long-range by self-aided terminal and opens an account, it is still desirable to
Live traffic mandate is carried out via the authorised operator with authorization privilege.Mode underaction, and mesh are handled in this mandate
The preceding authorised operator with authorization privilege is usually bank lobby manager, largely waits authorizing in order to adapt to self-aided terminal
Business demand, a banking department needs while configuring several lobby managers, therefore bank business cost also accordingly increases.
Invention content
The main purpose of the present invention is to provide a kind of authorization method that bank self-help terminal traffic is handled, bankings to do
Reason system and computer readable storage medium, it is intended to which the live authorization for solving bank self-help terminal traffic is dumb, and seeks
The technical issues of industry cost increases.
To achieve the above object, the present invention provides a kind of authorization method that bank self-help terminal traffic is handled, including step：
Obtain the corresponding type of service of business to be authorized and the corresponding optional authorization of the type of service；
Wherein, optional authorization described in each includes the corresponding mandate approach of the authorization and authorised operator's information,
The corresponding mandate approach is live mandate approach or remote authorization approach；
According to preset screening conditions, the authorized party for being pushed to the user is determined from the optional authorization
Formula；
According to the authorization for being pushed to the user, corresponding authorised operator's information is obtained, and to corresponding
Authorised operator initiates calling.
Optionally, described according to preset screening conditions, it is determining from the optional authorization to be pushed to the use
The step of authorization at family includes：
Obtain the Permission Levels of the corresponding all authorised operators of the optional authorization；
The authorization corresponding to authorised operator for selecting Permission Levels low is pushed to awarding for the user as determination
Power mode.
Optionally, described according to preset screening conditions, it is determining from the optional authorization to be pushed to the use
The step of authorization at family includes：
Obtain the Permission Levels and current operation status of the corresponding all authorised operators of the optional authorization；
Permission Levels be less than default access threshold value corresponding authorised operator in, select the current operation status for
Idle authorised operator, using its corresponding authorization as the determining authorization for being pushed to the user.
Optionally, the mode of operation includes idle and busy；Pair for being less than default access threshold value in Permission Levels
It in the authorised operator answered, selects the current operation status for idle authorised operator, its corresponding authorization is made
Include for determining the step of being pushed to the authorization of the user：
It obtains in the authorised operator that Permission Levels are less than default access threshold value and the current operation status is the free time, belongs to
In the quantity of the authorised operator of live mandate approach and the quantity for the authorised operator for belonging to remote authorization approach；
Whether the quantity for belonging to the authorised operator of live mandate approach described in judgement is greater than or equal to and described belongs to long-range
The quantity of the authorised operator of mandate approach；
Belong to remote authorization way described in being greater than or equal to when the quantity of the authorised operator for belonging to live mandate approach
When the quantity of the authorised operator of diameter, the corresponding authorization of live mandate approach is selected to be pushed to the user's as determination
Authorization；
Belong to awarding for remote authorization approach described in being less than when the quantity of the authorised operator for belonging to live mandate approach
When weighing the quantity of operator, select the corresponding authorization of remote authorization approach as the determining authorized party for being pushed to the user
Formula.
Optionally, it is pushed to the authorization of the user described in the basis, obtains corresponding authorised operator's information,
And further include after the step of initiating to call to corresponding authorised operator：
Obtain the authorization identifying encrypted message of corresponding authorised operator's input；
When the licencing key information stored in the authorization identifying encrypted message of authorised operator input and presetting database
When matching, service authorization to be authorized success described in determination.
Optionally, the licencing key information stored in the presetting database includes at least one of：
Facial information, finger print information, digital certificates information and the licencing key of authorised operator.
Optionally, further include step：
It obtains user initiating when the business authorized, the authorization of selection；
The corresponding current operation status of authorization selected from user in idle authorised operator, it is random or according to
Preset scene mandate screening rule is determined as the authorised operator of user's transacting business mandate；
It sends out and authorizes business prompting information to the authorised operator that determination is user's transacting business mandate, for the mandate
Operator provides service authorization according to the mandate business prompting information for the user.
In addition, to achieve the above object, the present invention also provides a kind of bankings to handle system, for handling bank self-help
The mandate business of terminal, including：
Acquisition module, for obtain the corresponding type of service of business to be authorized and the type of service is corresponding can
The authorization of choosing；Wherein, optional authorization described in each includes the corresponding mandate approach of the authorization and awards
Operator message is weighed, the corresponding mandate approach is live mandate approach or remote authorization approach；
Determining module, for according to preset screening conditions, being determined from the optional authorization described in being pushed to
The authorization of user；
Calling module, the authorization for being pushed to the user according to obtain corresponding authorised operator's letter
Breath, and initiate to call to corresponding authorised operator.
In addition, to achieve the above object, the present invention also provides a kind of bankings to handle system, for handling bank self-help
The mandate business of terminal, the banking handle system and include：Communication module, memory, processor and it is stored in described deposit
On reservoir and the computer program that can run on the processor, the computer program are realized when being executed by the processor
The step of authorization method of banking as described above.
In addition, to achieve the above object, it is described computer-readable the present invention also provides a kind of computer readable storage medium
Computer program is stored on storage medium, the computer program realizes banking as described above when being executed by processor
Authorization method the step of.
A kind of authorization method that bank self-help terminal traffic is handled proposed by the present invention, banking handle system and calculating
Machine readable storage medium storing program for executing, it is corresponding optional by obtaining the corresponding type of service of business to be authorized and the type of service
Authorization；Wherein, optional authorization described in each includes the corresponding mandate approach of the authorization and mandate
Operator message, the corresponding mandate approach are live mandate approach or remote authorization approach；According to preset screening conditions,
The authorization for being pushed to the user is determined from the optional authorization；It is pushed to awarding for the user according to described
Power mode obtains corresponding authorised operator's information, and initiates to call to corresponding authorised operator.To provide including existing
Field authorizes and the mandate approach of remote authorization, and can be pushed away as user for user's business handled and the screening conditions set
Workable authorization is sent, therefore improves bank self-help terminal and handles the flexibility ratio for waiting for mandate business, and is self-service having
Remote authorization approach is increased on the basis of terminal, also reduces the running cost of bank.
Description of the drawings
Fig. 1 is the structural schematic diagram for the hardware running environment that the embodiment of the present invention is related to；
Fig. 2 is the flow diagram for the authorization method first embodiment that bank self-help terminal traffic of the present invention is handled；
Fig. 3 is the refinement stream of step S20 in the authorization method second embodiment that bank self-help terminal traffic of the present invention is handled
Journey schematic diagram；
Fig. 4 is the refinement stream of step S20 in the authorization method 3rd embodiment that bank self-help terminal traffic of the present invention is handled
Journey schematic diagram；
Fig. 5 is the refinement stream of step S24 in the authorization method fourth embodiment that bank self-help terminal traffic of the present invention is handled
Journey schematic diagram；
Fig. 6 is the flow diagram for the 5th embodiment of authorization method that bank self-help terminal traffic of the present invention is handled；
Fig. 7 is the flow diagram for the authorization method sixth embodiment that bank self-help terminal traffic of the present invention is handled；
Fig. 8 is the high-level schematic functional block diagram that banking of the present invention handles system.
The embodiments will be further described with reference to the accompanying drawings for the realization, the function and the advantages of the object of the present invention.
Specific implementation mode
It should be appreciated that the specific embodiments described herein are merely illustrative of the present invention, it is not intended to limit the present invention.
Fig. 1 is please referred to, Fig. 1 handles the hardware configuration signal of system 100 for the banking in each embodiment of the present invention
Figure, the banking, which handles system 100, can be mounted in bank, the self-aided terminal for handling various businesses, can also
It is the server with self-aided terminal and/or long-range terminal communication connection of attending a banquet.It includes communication that the banking, which handles system 100,
The components such as module 10, memory 20 and processor 30.Wherein, the processor 30 respectively with the memory 20 and the communication
Module 10 connects, and is stored with computer program on the memory 20, the computer program is executed by processor 30 simultaneously.
Communication module 10 can be connect by network with external communications equipment.Communication module 10 can receive external communication and set
The request that preparation goes out, can also broadcast event, instruction and information to the external communications equipment.The external communications equipment can be
The electronic equipments such as server, mobile phone, computer and picture pick-up device.
Memory 20 can be used for storing software program and various data.Memory 20 can include mainly storing program area
And storage data field, wherein storing program area can storage program area, application program (such as the silver needed at least one function
Industry business authoring program) etc.；Storage data field can store according to banking handle system 100 use created data or
Information etc..In addition, memory 20 may include high-speed random access memory, can also include nonvolatile memory, such as
At least one disk memory, flush memory device or other volatile solid-state parts.
Processor 30 is the control centre that banking handles system 100, entirely silver-colored using various interfaces and connection
The various pieces of row business handling system 100, by running or executing the software program being stored in memory 20 and/or mould
Block, and the data being stored in memory 20 are called, execute various functions and processing number that banking handles system 100
According to handle the progress integral monitoring of system 100 to banking.Processor 30 may include one or more processing units；It is excellent
Choosing, processor 30 can integrate application processor and modem processor, wherein the main processing operation system of application processor
System, user interface and application program etc., modem processor mainly handles wireless communication.It is understood that above-mentioned modulation
Demodulation processor can not also be integrated into processor 30.
Although Fig. 1 is not shown, above-mentioned banking handle system 100 can also include circuit control module, for
Power supply connects, and ensures the normal work etc. of other component.It can also include input module that above-mentioned banking, which handles system 100,
Such as can be fingerprint identification module, face recognition module and keyboard acquisition module etc., for receiving Client-initiated touch-control
Instruction and the authorization message for receiving authorised operator；Display panel module is used for display system interface and business information.
It is not constituted to bank it will be understood by those skilled in the art that banking shown in Fig. 1 handles system structure
The restriction of business handling system may include either combining certain components or different than illustrating more or fewer components
Component is arranged.
Based on above-mentioned hardware configuration, each embodiment of the method for the present invention is proposed.
With reference to Fig. 2, in the first embodiment for the authorization method that bank self-help terminal traffic of the present invention is handled, including step
Suddenly：
Step S10 obtains the corresponding type of service of business to be authorized and the type of service is corresponding optionally awards
Power mode；Wherein, optional authorization described in each includes the corresponding mandate approach of the authorization and Authorized operation
Person's information, the corresponding mandate approach are live mandate approach or remote authorization approach；
User sales counter handle open an account report the loss, the business such as wholesale enchashment or wholesale money transfer transactions when, in order to avoid risk, increase
Strong internal case control, is provided with banking mandate link.In today that bank self-help terminal is gradually popularized, user is self-service
When handling the business with certain risk in terminal, also or need by the live authorised operator with authorization privilege into industry
Business authorizes.
In the present embodiment, when it is self-aided terminal that banking, which handles system, user oriented front end in self-aided terminal
Processing routine can send service authorization ask to processor or processor can constantly detect customer service handle into
Degree, judges whether the business that user handles needs to authorize with this, and the business then handled in user, which needs to obtain when authorizing, to wait awarding
Weigh business information.When it is server that banking, which handles system, the self-aided terminal and/terminal of remotely attending a banquet of connection are communicated with
User's business information to be authorized can be sent to server, thus server obtains user's business information to be authorized.It is above-mentioned to wait for
Authorize that business information may include the corresponding type of service of business to be authorized and the type of service is corresponding optionally awards
Power mode.
Wherein, the corresponding type of service of above-mentioned business to be authorized can be open an account, transfer accounts, withdrawing the money, the business such as cancel loss report.
Each type of service can correspond at least one optional authorization, can also be further each qualified industry
Service type corresponds at least one optional authorization.For example, the corresponding optional mandate of the transferred account service transferred accounts more than 50,000 yuan
Mandate approach in mode can be live mandate approach and remote authorization approach.Authorization set authorised operator
Information and approach is authorized, when a type of service can only select live mandate, but business can be carried out by different authorised operators and be awarded
Temporary, then the item number of the corresponding authorization of this type of service can be carried out according to the quantity of different authorised operator's information
It determines.Authorised operator's information can be the information of all authorised operators with authorization privilege, such as authorised operator's letter
Breath is authorised operator's title and licencing key information type, is grasped then the item number of corresponding authorization is all mandates
The sum of corresponding licencing key information type of author, authorised operator's information can also be the current busy of authorised operator
Degree etc..
Furthermore, it is necessary to which explanation can be that each mandate approach corresponds in order to which that improves mandate business handles speed
Several authorised operators can also be that remote authorization approach corresponds to several authorised operators, and live mandate approach corresponds to one to two
Name authorised operator.
Step S20, it is determining from the optional authorization to be pushed to the user's according to preset screening conditions
Authorization；
Banking handles system when authorizing service function configuration, and single or combination screening conditions can be arranged
For determining the authorization for being pushed to the user from optional authorization.For example, the preset screening conditions can
To be the corresponding quantity of busy degree of all authorised operators；Can also be will currently belong to idle operating state and authorize power
The corresponding authorization of elementary authorised operator is limited to be elected to be to be pushed to the authorization of user.
Step S30 obtains corresponding authorised operator's information according to the authorization for being pushed to the user, and
It initiates to call to corresponding authorised operator.
When authorization has it is multiple when, can be random or according to default after determining and being pushed to the authorization of user
Sequence obtain corresponding authorised operator's information in advance, a corresponding authorised operator is selected, when user determines using should
When authorization, corresponding authorised operator is called.It can also be when determination be pushed to the authorization that user handles, according to pre-
If screening rule respectively filter out a part of authorised operator from the corresponding authorised operator of authorization, to all satisfactions
The user of screening conditions initiates calling, further the authorised operator for responding calling at first can be selected to provide business to the user
It authorizes.
The mandate approach for including scene mandate and remote authorization is present embodiments provided, and the industry that user handles can be directed to
Business and the screening conditions that sets are authorization workable for user's push, therefore improve bank self-help terminal and handle and wait awarding
The flexibility ratio of power business, and remote authorization approach is increased on the basis of having self-aided terminal, also reduce the business of bank
Cost.
Further, the first embodiment for the authorization method handled based on bank self-help terminal traffic of the present invention proposes this hair
The second embodiment for the authorization method that bright bank self-help terminal traffic is handled, referring to Fig. 3, in the present embodiment, the step S20
Including：
Step S21 obtains the Permission Levels of the corresponding all authorised operators of the optional authorization；
Different Permission Levels can be set for every authorised operator when system authorization service authority configures, it is corresponding
, authorised operator can possess all or part of service authorization permission.It, can when determination is pushed to the authorization of user
As screening factor, all Authorized operations in optional authorization are obtained by processor for the Permission Levels of authorised operator
The Permission Levels of person, for example, the approach of mandate is live mandate approach and remote authorization approach, authorised operator's information is all to award
Power personnel's name, then obtaining the permission etc. of live mandate approach and the corresponding all authorised operators of remote authorization approach
Grade.
Step S22, the authorization corresponding to authorised operator for selecting Permission Levels low is as described in determining be pushed to
The authorization of user.
When using the Permission Levels of authorised operator as screening factor, the Permission Levels of the authorised operator of selection should
It is low as possible.In practical transportation, the number of the high corresponding authorised operator of Permission Levels is fewer, selects Permission Levels low
Authorised operator can help user's finishing service mandate, also considered the structure system of bank, be conducive to plan as a whole management and control.
Further, the first embodiment for the authorization method handled based on bank self-help terminal traffic of the present invention proposes this hair
The 3rd embodiment for the authorization method that bright bank self-help terminal traffic is handled, referring to Fig. 4, in the present embodiment, the step S20
Including：
Step S23 obtains the Permission Levels of the corresponding all authorised operators of the optional authorization and current
Mode of operation；
In addition to corresponding Permission Levels are arranged for the authorization privilege of all authorised operators, business can also be carried out in system
When authorization configuration, the current operation status that authorised operator is arranged obtains function, and mode of operation may include busy condition and sky
Not busy state.The acquisition of the current operation status of user, can by check current grant operator workflow situation or
The use state of the corresponding operational terminal of detecting user confirms.
Step S24 selects the current behaviour in the corresponding authorised operator that Permission Levels are less than default access threshold value
Make the authorised operator that state is idle, using its corresponding authorization as the determining authorization for being pushed to the user.
After the Permission Levels and current operation status for obtaining authorised operator, step can be judged by executing
Suddenly, judge in all authorised operators, the corresponding Permission Levels of which authorised operator are less than default access threshold value, thus screen
Go out the lower authorised operator of Permission Levels.It can also be filtered out from the lower authorised operator of Permission Levels on this basis
Current operation status is the authorised operator of free time, then by awarding after this two layers screening of Permission Levels and mode of operation
The corresponding authorization of power operator is pushed to user.
By the screening of Permission Levels and current operation status, it is relatively low and be in idle condition that Permission Levels can be screened
Authorised operator, corresponding authorization is then pushed to user, makes user after it confirmed authorization, according to user
Determining authorization selects corresponding authorised operator, and the resource of bank authorization operator is utilized to greatest extent, ensures
The flexible operation of the business of mandate.
Further, the 3rd embodiment for the authorization method handled based on bank self-help terminal traffic of the present invention proposes this hair
The fourth embodiment for the authorization method that bright bank self-help terminal traffic is handled, referring to Fig. 5, in the present embodiment, the operation shape
State includes idle and busy；The step S24 includes：
Step S241, it is the corresponding of free time to obtain Permission Levels to be less than default access threshold value and the current operation status
In authorised operator, belongs to the quantity of the authorised operator of live mandate approach and belong to the Authorized operation of remote authorization approach
The quantity of person；
It, may be still same by using Permission Levels and belonging to after idle operating state screened as screening factor
When has live mandate approach and remote authorization approach, and both authorize approach, and exist simultaneously a variety of authorizations.For
It is preferably that user reasonably distributes authorised operator according to the mode of operation situation of authorised operator in system, improves and authorize
Processing speed can only select a kind of authorization to be pushed to user by screening.Here, can be by small with Permission Levels
In the corresponding authorised operator of default access threshold value and the current operation status for the free time, two different mandate approach
Corresponding quantity is screened as screening factor.
Step S242, belong to described in judgement the authorised operator of live mandate approach quantity whether be greater than or equal to it is described
Belong to the quantity of the authorised operator of remote authorization approach；If so, thening follow the steps S243；If it is not, thening follow the steps S244；
Step S243 selects the corresponding authorization of live mandate approach as the determining authorized party for being pushed to the user
Formula；
Step S244 selects the corresponding authorization of remote authorization approach as the determining authorized party for being pushed to the user
Formula.
After obtaining the corresponding quantity of two different mandate approach, compare the corresponding Authorized operation of remote authorization approach
The quantity of the quantity of person authorised operator corresponding with live mandate approach.If current grant grade is less than default access threshold
Value, and in idle authorised operator, the quantity of the corresponding authorised operator of remote authorization approach are identical or more, then select
Remote authorization approach is selected as the authorization for being pushed to the user；, whereas if the corresponding mandate behaviour of scene mandate approach
Author is more, then live mandate approach is selected to be pushed to user as authorization.By further judging different mandates
The quantity of the corresponding authorised operator of approach, and then select one that can accelerate service authorization as the authorization for being pushed to user
Processing speed.It optionally, can also be random or corresponding from single mandate approach according to preset screening rule after this
An authorization is selected to be pushed to user in a plurality of authorization.
Further, the first embodiment for the authorization method handled based on bank self-help terminal traffic of the present invention proposes this hair
5th embodiment of the authorization method that bright bank self-help terminal traffic is handled, referring to Fig. 6, in the present embodiment, the step S30
Can also include later：
Step S40 obtains the authorization identifying encrypted message of corresponding authorised operator's input；
After initiating calling to corresponding authorised operator, it is determined as the authorised operator of this user's transacting business mandate
The self-aided terminal region where user will be gone to, authorization identifying password is inputted.It is self-aided terminal to handle system when banking
When, it can directly acquire or be obtained by terminal of remotely attending a banquet the authorization identifying encrypted message of authorised operator's input；Work as bank
When business handling system is server, authorization identifying encrypted message can be obtained by self-aided terminal or long-range terminal of attending a banquet.
Wherein, the authorization identifying encrypted message can be licencing key, and the licencing key of different authorised operators can
With identical, can also be different；It can also be licencing key, facial information, finger print information, digital certificates information and licencing key
At least one of, herein without exhaustion.
Step S50, when the mandate stored in the authorization identifying encrypted message of authorised operator input and presetting database
When encrypted message matches, service authorization to be authorized success described in determination.
Can be that authorised operator's typing corresponds in advance it should be noted that when system carries out authorised operator's configuration
Facial information, finger print information, further can also also regard digital certificates and/or licencing key as licencing key information.
When licencing key information input by user and the multiple or licencing key information phase of storage in the database when system configuration
Meanwhile service authorization success.The present embodiment handles system for banking and provides multiple business authority checking mode, flexibly more
Sample.
Further, the first embodiment for the authorization method handled based on bank self-help terminal traffic of the present invention proposes this hair
The sixth embodiment for the authorization method that bright bank self-help terminal traffic is handled, referring to Fig. 7, in the present embodiment, the step S10
Later, can also include while the step S20：
Step S60 obtains user and is initiating when the business authorized, the authorization of selection；
Other than being pushed to user's authorization, user hand can also be obtained by the front-end processing program of self-aided terminal
The authorization of dynamic selection, when it is self-aided terminal that banking, which handles system, processor can directly acquire user's selection
Authorization；When it is server that banking, which handles system, the authorization that can be selected user by self-aided terminal is sent out
The system of giving is obtained.
Step S70, the corresponding current operation status of authorization selected from user in idle authorised operator, with
Machine or the authorised operator for being determined as user's transacting business mandate according to preset mandate screening rule；
In the corresponding authorised operator of authorization that user can be manually selected, it is in the mandate of idle operating state
Operator screens, and then determines authorised operator at random or according to preset mandate screening rule for user.Such as it is described
It can be selected in sequence to authorize screening rule, will confirm it is to handle industry for user in the authorised operator of sequence first place
Be engaged in the authorised operator authorized, can also be and is determined according to algorithm.
Step S80, send out authorize business prompting information to determination be user's transacting business mandate authorised operator, with
For the authorised operator service authorization is provided for the user according to the mandate business prompting information.
It can be connect by long-range seat terminal that wherein authorised operator, which receives and authorizes the means of business prompting information,
It receives, can also be that the terminal by authorised operator, such as smart mobile phone, bracelet are received, banking department can also be passed through
Loud speaker called, make authorised operator receive authorize business prompting information after provide service authorization service to the user.
Referring to Fig. 8, the present invention also provides a kind of bankings to handle system, the mandate industry for handling bank self-help terminal
Business, including：
Acquisition module 10, it is corresponding for obtaining the corresponding type of service of business to be authorized and the type of service
Optional authorization；Wherein, optional authorization described in each include the corresponding mandate approach of the authorization and
Authorised operator's information, the corresponding mandate approach are live mandate approach or remote authorization approach；
Determining module 20 is used for according to preset screening conditions, determining from the optional authorization to be pushed to institute
State the authorization of user；
Calling module 30, the authorization for being pushed to the user according to, obtains corresponding authorised operator
Information, and initiate to call to corresponding authorised operator.
Further, the determining module 20 includes：
Acquiring unit 21, the Permission Levels for obtaining the corresponding all authorised operators of the optional authorization；
Selecting unit 22, the authorization corresponding to authorised operator for selecting Permission Levels low are pushed as determining
To the authorization of the user.
Further, the determining module 20 includes：
Acquiring unit 21, for obtain the Permission Levels of the corresponding all authorised operators of the optional authorization with
And current operation status；
Selecting unit 22, in the corresponding authorised operator that Permission Levels are less than default access threshold value, selecting institute
The authorised operator that current operation status is idle is stated, awarding for the user is pushed to using its corresponding authorization as determination
Power mode.
Further, the mode of operation includes idle and busy；The selecting unit 22 includes：
Subelement 221 is obtained, is sky for obtaining Permission Levels to be less than default access threshold value and the current operation status
In not busy authorised operator, belongs to the quantity of the authorised operator of live mandate approach and belong to the mandate of remote authorization approach
The quantity of operator；
Whether the quantity of judgment sub-unit 222, the authorised operator for belonging to live mandate approach described in judgement is more than or waits
In the quantity of the authorised operator for belonging to remote authorization approach；And as the authorised operator for belonging to live mandate approach
Quantity when being greater than or equal to the quantity of the authorised operator for belonging to remote authorization approach, triggering selection subelement 223 selects
The corresponding authorization of live mandate approach is selected as the determining authorization for being pushed to the user；When the scene that belongs to is awarded
When the quantity of the authorised operator of power approach is less than the quantity of the authorised operator for belonging to remote authorization approach, triggering selection
Subelement 223 selects the corresponding authorization of remote authorization approach as the determining authorization for being pushed to the user.
Further, the acquisition module 10 is additionally operable to obtain the authorization identifying of corresponding authorised operator's input
Encrypted message；
The determining module 20, for when in the authorization identifying encrypted message and presetting database of authorised operator input
When the licencing key information matches of storage, service authorization to be authorized success described in determination.
Further, the licencing key information stored in the presetting database includes following at least one：
Facial information, finger print information, digital certificates information and the licencing key of authorised operator.
Further, the acquisition module 10 is additionally operable to acquisition user and is initiating when the business authorized, the mandate of selection
Mode；
The determining module 20 is additionally operable to the corresponding current operation status of the authorization selected from user and is awarded for idle
It weighs in operator, authorised operator that is random or being determined as user's transacting business mandate according to preset mandate screening rule；
The calling module 30 is additionally operable to send out mandate business prompting information to determination to be user's transacting business mandate
Authorised operator, so that the authorised operator provides service authorization according to the mandate business prompting information for the user.
Fig. 1 please be recombine, in one embodiment, banking handles system 100, for handling bank self-help terminal
Mandate business, including communication module 10, memory 20 and processor 30, it can be service that the banking, which handles system 100,
Device or self-aided terminal, wherein the processor 30 is connect with the memory 20 and communication module 10 respectively, the memory 20
On be stored with computer program, the computer program realizes that bank self-help as described above is whole when being executed by the processor 20
Hold the step in the authorization method of business handling.
The present invention also proposes a kind of computer readable storage medium, is stored thereon with computer program, the computer journey
The step in the authorization method handled such as above-mentioned bank self-help terminal traffic is realized when sequence is executed by processor.
It should be noted that herein, the terms "include", "comprise" or its any other variant are intended to non-row
His property includes, so that process, method, article or system including a series of elements include not only those elements, and
And further include other elements that are not explicitly listed, or further include for this process, method, article or system institute it is intrinsic
Element.In the absence of more restrictions, the element limited by sentence "including a ...", it is not excluded that including this
There is also other identical elements in the process of element, method, article or system.
The embodiments of the present invention are for illustration only, can not represent the quality of embodiment.
Through the above description of the embodiments, those skilled in the art can be understood that above-described embodiment side
Method can add the mode of required general hardware platform to realize by software, naturally it is also possible to by hardware, but in many cases
The former is more preferably embodiment.Based on this understanding, technical scheme of the present invention substantially in other words does the prior art
Going out the part of contribution can be expressed in the form of software products, which is stored in one as described above
In storage medium (such as ROM/RAM, magnetic disc, CD), including some instructions use so that a station terminal equipment (can be mobile phone,
Computer, server, air conditioner or network equipment etc.) execute method described in each embodiment of the present invention.
It these are only the preferred embodiment of the present invention, be not intended to limit the scope of the invention, it is every to utilize this hair
Equivalent structure or equivalent flow shift made by bright specification and accompanying drawing content is applied directly or indirectly in other relevant skills
Art field, is included within the scope of the present invention.
Claims (10)
1. a kind of authorization method that bank self-help terminal traffic is handled, which is characterized in that including step：
Obtain the corresponding type of service of business to be authorized and the corresponding optional authorization of the type of service；Wherein,
Optional authorization described in each includes the corresponding mandate approach of the authorization and authorised operator's information, described right
The mandate approach answered is live mandate approach or remote authorization approach；
According to preset screening conditions, the authorization for being pushed to the user is determined from the optional authorization；
According to the authorization for being pushed to the user, corresponding authorised operator's information is obtained, and to corresponding mandate
Operator initiates calling.
2. the authorization method that bank self-help terminal traffic as described in claim 1 is handled, which is characterized in that the basis is default
Screening conditions, determine that the step of being pushed to the authorization of the user includes from the optional authorization：
Obtain the Permission Levels of the corresponding all authorised operators of the optional authorization；
The authorization corresponding to authorised operator for selecting Permission Levels low is pushed to the authorized party of the user as determining
Formula.
3. the authorization method that bank self-help terminal traffic as described in claim 1 is handled, which is characterized in that the basis is default
Screening conditions, determine that the step of being pushed to the authorization of the user includes from the optional authorization：
Obtain the Permission Levels and current operation status of the corresponding all authorised operators of the optional authorization；
In the corresponding authorised operator that Permission Levels are less than default access threshold value, select the current operation status for the free time
Authorised operator, be pushed to the authorization of the user using its corresponding authorization as determining.
4. the authorization method that bank self-help terminal traffic as claimed in claim 3 is handled, which is characterized in that the mode of operation
Including idle and busy；
It is described Permission Levels be less than default access threshold value corresponding authorised operator in, select the current operation status for
Idle authorised operator wraps its corresponding authorization as determining the step of being pushed to the authorization of the user
It includes：
It obtains in the authorised operator that Permission Levels are less than default access threshold value and the current operation status is the free time, belongs to existing
Field authorizes the quantity of the authorised operator of approach and belongs to the quantity of the authorised operator of remote authorization approach；
Whether the quantity for belonging to the authorised operator of live mandate approach described in judgement is greater than or equal to and described belongs to remote authorization
The quantity of the authorised operator of approach；
Belong to remote authorization approach described in being greater than or equal to when the quantity of the authorised operator for belonging to live mandate approach
When the quantity of authorised operator, select the corresponding authorization of live mandate approach as the determining mandate for being pushed to the user
Mode；
When the quantity of the authorised operator for belonging to live mandate approach is less than the mandate behaviour for belonging to remote authorization approach
When the quantity of author, select the corresponding authorization of remote authorization approach as the determining authorization for being pushed to the user.
5. the authorization method that bank self-help terminal traffic as described in claim 1 is handled, which is characterized in that described in the basis
It is pushed to the authorization of the user, obtains corresponding authorised operator's information, and initiate to exhale to corresponding authorised operator
Further include after the step of crying：
Obtain the authorization identifying encrypted message of corresponding authorised operator's input；
When the licencing key information matches stored in the authorization identifying encrypted message of authorised operator input and presetting database
When, determine described in service authorization success to be authorized.
6. the authorization method that bank self-help terminal traffic as claimed in claim 5 is handled, which is characterized in that the preset data
The licencing key information stored in library includes at least one of：
Facial information, finger print information, digital certificates information and the licencing key of authorised operator.
7. the authorization method that bank self-help terminal traffic as described in claim 1 is handled, which is characterized in that further include step：
It obtains user initiating when the business authorized, the authorization of selection；
In authorised operator of the corresponding current operation status of authorization selected from user for the free time, at random or according to default
Mandate screening rule be determined as the authorised operator of user's transacting business mandate；
It sends out and authorizes business prompting information to the authorised operator that determination is user's transacting business mandate, for the Authorized operation
Person provides service authorization according to the mandate business prompting information for the user.
8. a kind of banking handles system, the mandate business for handling bank self-help terminal, which is characterized in that including：
Acquisition module, it is corresponding optional for obtaining the corresponding type of service of business to be authorized and the type of service
Authorization；Wherein, optional authorization described in each includes the corresponding mandate approach of the authorization and mandate behaviour
Author information, the corresponding mandate approach are live mandate approach or remote authorization approach；
Determining module is used for according to preset screening conditions, determining from the optional authorization to be pushed to the user
Authorization；
Calling module, the authorization for being pushed to the user according to, obtains corresponding authorised operator's information, and
It initiates to call to corresponding authorised operator.
9. a kind of banking handles system, the mandate business for handling bank self-help terminal, which is characterized in that the bank
Business handling system includes：It communication module, memory, processor and is stored on the memory and can be on the processor
The computer program of operation is realized when the computer program is executed by the processor such as any one of claim 1 to 7 institute
The step of authorization method that the bank self-help terminal traffic stated is handled.
10. a kind of computer readable storage medium, which is characterized in that be stored with computer on the computer readable storage medium
Program realizes the bank self-help terminal as described in any one of claim 1 to 7 when the computer program is executed by processor
The step of authorization method of business handling.
Priority Applications (2)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201810051647.5A CN108335194A (en) | 2018-01-18 | 2018-01-18 | Authorization method, system and the readable storage medium storing program for executing that bank self-help terminal traffic is handled |
| PCT/CN2018/084311 WO2019140802A1 (en) | 2018-01-18 | 2018-04-25 | Authorization method and system for service handling on self-service banking terminal, and readable storage medium |
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201810051647.5A CN108335194A (en) | 2018-01-18 | 2018-01-18 | Authorization method, system and the readable storage medium storing program for executing that bank self-help terminal traffic is handled |
Publications (1)
| Publication Number | Publication Date |
|---|---|
| CN108335194A true CN108335194A (en) | 2018-07-27 |
Family
ID=62925108
Family Applications (1)
| Application Number | Title | Priority Date | Filing Date |
|---|---|---|---|
| CN201810051647.5A Pending CN108335194A (en) | 2018-01-18 | 2018-01-18 | Authorization method, system and the readable storage medium storing program for executing that bank self-help terminal traffic is handled |
Country Status (2)
| Country | Link |
|---|---|
| CN (1) | CN108335194A (en) |
| WO (1) | WO2019140802A1 (en) |
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| CN111343185A (en) * | 2020-02-28 | 2020-06-26 | 张善敏 | Teller machine interaction method and interaction system |
| CN111556209A (en) * | 2020-04-27 | 2020-08-18 | 中国银行股份有限公司 | Customer service switching method and device, storage medium and electronic equipment |
| CN111986405A (en) * | 2020-09-01 | 2020-11-24 | 中国银行股份有限公司 | Method and device for verifying withdrawal of common property based on ATM |
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| CN113285910A (en) * | 2020-10-30 | 2021-08-20 | 常熟友乐智能科技有限公司 | Remote office business authorization method and device and computer equipment |
| CN113961964A (en) * | 2021-10-20 | 2022-01-21 | 杭州越歌科技有限公司 | City information management method, system, storage medium and intelligent terminal |
| CN115145443A (en) * | 2022-07-15 | 2022-10-04 | 中国银行股份有限公司 | Bank business authorization information configuration method and device |
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| Publication number | Priority date | Publication date | Assignee | Title |
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| CN111343185A (en) * | 2020-02-28 | 2020-06-26 | 张善敏 | Teller machine interaction method and interaction system |
| CN111556209A (en) * | 2020-04-27 | 2020-08-18 | 中国银行股份有限公司 | Customer service switching method and device, storage medium and electronic equipment |
| CN111986405A (en) * | 2020-09-01 | 2020-11-24 | 中国银行股份有限公司 | Method and device for verifying withdrawal of common property based on ATM |
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| CN113285910B (en) * | 2020-10-30 | 2022-06-10 | 常熟友乐智能科技有限公司 | Remote office business authorization method and device and computer equipment |
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| CN115145443A (en) * | 2022-07-15 | 2022-10-04 | 中国银行股份有限公司 | Bank business authorization information configuration method and device |
Also Published As
| Publication number | Publication date |
|---|---|
| WO2019140802A1 (en) | 2019-07-25 |
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Application publication date: 20180727 |