WO2019140802A1 - Authorization method and system for service handling on self-service banking terminal, and readable storage medium - Google Patents

Abstract

An authorization method and system (100) for service handling on a self-service banking terminal, and a computer readable storage medium. The method comprises: step (S10), obtaining a service type corresponding to a service to be authorized, and an optional authorization mode corresponding to the service type, wherein each optional authorization mode comprises an authorization path and authorization operator information corresponding to the authorization mode, and the corresponding authorization path is an on-site authorization path or a remote authorization path; step (S20), determining, according to a preset screening condition, an authorization mode to be pushed to a user from the optional authorization mode; and step (S30), obtaining corresponding authorization operator information according to the authorization mode to be pushed to the user, and initiating a call to the corresponding authorization operator. Thus, the flexibility of a self-service banking terminal to handle a service to be authorized is improved.

Description

 Authorization method, system and readable storage medium for bank self-service terminal business processing

Technical field

The present application relates to the technical field of self-service terminals for financial services, and in particular, to an authorization method for banking self-service terminal services, a banking service processing system, and a computer readable storage medium.

Background technique

In order to alleviate the pressure on the business handling of the bank counter, a self-service banking system consisting of a remote agent terminal and a bank self-service terminal has emerged. However, when a user opens a remote account for a type of account through a self-service terminal, authorization via an authorized authority is still required. The operator performs on-site business authorization. This type of authorization is not flexible enough, and the authorized operator with authorization authority is usually the bank lobby manager. In order to be able to adapt to the large number of pending business needs of the self-service terminal, a bank sales department needs to configure multiple lobby managers at the same time, so the bank is open. The cost has also increased accordingly.

Application content

The main purpose of the present application is to provide an authorization method for a bank self-service terminal service, a banking service processing system, and a computer-readable storage medium, which are aimed at solving the technical problem that the on-site authorization method of the bank self-service terminal service is inflexible and the operating cost is increased. .

To achieve the above objective, the present application provides a method for authorizing a bank self-service terminal service, including the steps:

Obtaining a service type corresponding to the service to be authorized, and an optional authorization mode corresponding to the service type, where each of the optional authorization modes includes an authorization path corresponding to the authorization mode and authorized operator information, The corresponding authorization route is the on-site authorization route or the remote authorization route;

Determining, according to a preset screening condition, an authorization manner pushed to the user from the optional authorization manner;

And obtaining, according to the authorization manner pushed to the user, the corresponding authorized operator information, and initiating a call to the corresponding authorized operator.

In addition, in order to achieve the above object, the present application further provides a banking service processing system for handling the authorization service of a bank self-service terminal, including:

An obtaining module, configured to obtain a service type corresponding to the service to be authorized, and an optional authorization mode corresponding to the service type; wherein each of the optional authorization modes includes an authorization path corresponding to the authorization mode and an authorization operation Information, the corresponding authorization path is an on-site authorization path or a remote authorization path;

Determining a module, configured to determine, according to a preset screening condition, an authorization manner pushed to the user from the optional authorization manner;

And the calling module is configured to obtain the corresponding authorized operator information according to the authorization manner pushed to the user, and initiate a call to the corresponding authorized operator.

In addition, in order to achieve the above object, the present application further provides a banking service processing system for handling an authorization service of a bank self-service terminal, the banking service processing system comprising: a communication module, a memory, a processor, and the storage on the memory And a computer program running on the processor, the computer program being executed by the processor to implement the steps of the authorization method of banking as described above.

In addition, in order to achieve the above object, the present application further provides a computer readable storage medium having stored thereon a computer program, which is executed by a processor to implement authorization of banking services as described above. The steps of the method.

The application obtains the service type corresponding to the service to be authorized, and the optional authorization mode corresponding to the service type; wherein each of the optional authorization modes includes an authorization path corresponding to the authorization mode and authorized operator information. The corresponding authorization path is an on-site authorization path or a remote authorization path; determining, according to a preset screening condition, an authorization mode pushed to the user from the optional authorization mode; and pushing the user according to the The authorization mode obtains the corresponding authorized operator information and initiates a call to the corresponding authorized operator. Thereby providing an authorization path including on-site authorization and remote authorization, and the user can push the available authorization mode for the service handled by the user and the set screening condition, thereby improving the flexibility of the bank self-service terminal for processing the to-be-authorized service, and The remote authorization channel has been added on the basis of the existing self-service terminal, which also reduces the operating cost of the bank.

DRAWINGS

1 is a schematic structural diagram of a hardware operating environment involved in an embodiment of the present application;

2 is a schematic flowchart of a first embodiment of a method for authorizing a bank self-service terminal service according to the present application;

3 is a schematic flowchart of the refinement of step S20 in the second embodiment of the method for authorizing the self-service terminal service of the present application;

4 is a schematic flowchart of the refinement of step S20 in the third embodiment of the method for authorizing the self-service terminal service of the present application;

5 is a schematic flowchart of the refinement of step S24 in the fourth embodiment of the method for authorizing the self-service terminal service of the present application;

6 is a schematic flowchart of a fifth embodiment of an authorization method for processing a bank self-service terminal service according to the present application;

7 is a schematic flowchart of a sixth embodiment of an authorization method for processing a self-service terminal service of a bank according to the present application;

FIG. 8 is a schematic diagram of functional modules of the banking service handling system of the present application.

The implementation, functional features and advantages of the present application will be further described with reference to the accompanying drawings.

Detailed ways

It is understood that the specific embodiments described herein are merely illustrative of the application and are not intended to be limiting.

Please refer to FIG. 1. FIG. 1 is a schematic diagram showing the hardware structure of the banking service processing system 100 provided by the present application. The banking service processing system 100 may be a self-service terminal installed in a bank for handling various services, or may be a self-service terminal. And/or a server that is connected to the remote agent terminal. The banking service system 100 includes components such as a communication module 10, a memory 20, and a processor 30. The processor 30 is respectively connected to the memory 20 and the communication module 10. The memory 20 stores a computer program provided by the application. The computer program is simultaneously executed by the processor 30, and the computer program is executed by the processor 20. The steps in the authorization method for processing the bank self-service terminal service in each embodiment are implemented.

The communication module 10 can be connected to an external communication device via a network. The communication module 10 can receive a request from an external communication device and can also broadcast events, instructions, and information to the external communication device. The external communication device may be an electronic device such as a server, a mobile phone, a computer, and a camera device.

The memory 20 can be used to store software programs and various data. The memory 20 may mainly include a storage program area and a storage data area, wherein the storage program area may store an operating system, an application required for at least one function (such as a banking authorization program), and the like; and the storage data area may be stored according to a banking service system. The use of 100 to create data or information, etc. Further, the memory 20 may include a high speed random access memory, and may also include a nonvolatile memory such as at least one magnetic disk storage device, flash memory device, or other volatile solid state storage device.

The processor 30, which is the control center of the banking service system 100, connects various portions of the entire banking service system 100 using various interfaces and lines, by running or executing software programs and/or modules stored in the memory 20, and calling The data stored in the memory 20 performs various functions and processing data of the banking service system 100, thereby performing overall monitoring of the banking service system 100. The processor 30 may include one or more processing units; optionally, the processor 30 may integrate an application processor and a modem processor, wherein the application processor mainly processes an operating system, a user interface, an application, etc., and a modulation solution The processor mainly handles wireless communication. It will be appreciated that the above described modem processor may also not be integrated into the processor 30.

Although not shown in FIG. 1, the banking service processing system 100 described above may further include a circuit control module for connecting to a power source to ensure normal operation of other components and the like. The banking service processing system 100 may further include an input module, such as a fingerprint identification module, a face recognition module, and a keyboard acquisition module, for receiving user-initiated touch commands and receiving authorization information of an authorized operator; Used to display system interface and business information.

Those skilled in the art can understand that the banking service handling system structure shown in FIG. 1 does not constitute a limitation of the banking service handling system, and may include more or less components than the illustrated ones, or combine some components, or different. Parts layout.

Based on the above hardware structure, various embodiments of the method of the present application are proposed.

Referring to FIG. 2, in the first embodiment of the method for authorizing the self-service terminal service of the bank of the present application, the method includes the following steps:

Step S10: Obtain a service type corresponding to the service to be authorized, and an optional authorization mode corresponding to the service type, where each of the optional authorization modes includes an authorization path corresponding to the authorization mode and authorized operator information. The corresponding authorization path is an on-site authorization path or a remote authorization path;

When the user handles account loss reporting, large cash withdrawal or large amount of money transfer transactions at the counter, in order to avoid risks, enhance internal case control, and set up a banking authorization link. Today, when bank self-service terminals are gradually popularized, when users handle services with certain risks on self-service terminals, they still need to be authorized by the on-site authorized operators with authorization rights.

In this embodiment, when the banking service processing system is a self-service terminal, the user-oriented front-end processing program in the self-service terminal may send a service authorization request to the processor, or the processor may detect the progress of the user service from time to time. Whether the service handled by the user requires authorization, and then the information to be authorized is obtained when the service handled by the user requires authorization. When the banking service processing system is a server, the self-service terminal and/or the remote agent terminal that are in communication with each other can send the user-to-authorized service information to the server, and the server obtains the service information to be authorized by the user. The service information to be authorized may include a service type corresponding to the service to be authorized, and an optional authorization mode corresponding to the service type.

The service type corresponding to the service to be authorized may be an account opening, a transfer, a withdrawal, or a loss of a service. Each type of service may correspond to at least one optional authorization mode, or may be at least one optional authorization mode for each type of service that meets the requirements. For example, the authorization route in the optional authorization mode corresponding to the transfer service with a transfer of more than 50,000 yuan may be an on-site authorization route and a remote authorization route. The authorization mode combines the authorization operator information and the authorization path. When a service type can only select the on-site authorization, but the authorization can be performed by different authorized operators, the number of authorization modes corresponding to the service type may be different. The number of authorized operator information is determined. The authorized operator information may be information of all authorized operators with authorized rights, for example, the authorized operator information is the authorized operator name and the authorized password information type, and the number of corresponding authorization methods is the authorization corresponding to all authorized operators. The sum of the types of password information, the authorized operator information may also be the current level of busyness of the authorized operator, and the like.

In addition, it should be noted that in order to improve the processing speed of the authorized service, each authorized channel may correspond to multiple authorized operators, or the remote authorization channel may correspond to multiple authorized operators, and the on-site authorization channel corresponds to one or two. Authorize the operator.

Step S20: Determine, according to a preset screening condition, an authorization manner pushed to the user from the optional authorization manner;

The banking service handling system may set a single or combined screening condition for determining the authorization mode pushed to the user from the optional authorization mode when configuring the authorization service function. For example, the preset screening condition may be the number corresponding to the busyness level of all authorized operators; or the authorization mode corresponding to the authorized operator that belongs to the idle operating state and has the lowest authorized authority level may be selected as the push user. Authorization method.

Step S30: Acquire corresponding authorized operator information according to the authorization mode pushed to the user, and initiate a call to the corresponding authorized operator.

When there are multiple authorization modes, after determining the authorization mode pushed to the user, the corresponding authorized operator information may be obtained in advance or randomly according to a preset order, and a corresponding authorized operator is selected, when the user determines to use the In the authorization mode, the corresponding authorized operator is called. When determining the authorization mode to be sent to the user, the user may be selected from the authorized operators corresponding to the authorization mode according to the preset screening rule, and the call may be initiated to all users who meet the screening condition, and further may be selected. The authorized operator who responds to the call first provides the user with a service authorization. The embodiment provides an authorization path including on-site authorization and remote authorization, and can push the available authorization mode for the user for the service handled by the user and the set screening condition, thereby improving the flexibility of the bank self-service terminal to handle the service to be authorized. And the remote authorization channel is added on the basis of the existing self-service terminal, which also reduces the operating cost of the bank.

Further, a second embodiment of the present application is proposed based on the first embodiment of the present application. Referring to FIG. 3, in the embodiment, the step S20 includes:

Step S21: Acquire a permission level of all authorized operators corresponding to the optional authorization mode;

You can set different permission levels for each authorized operator when the system authorizes service rights configuration. Correspondingly, the authorized operator can have some or all of the service authorization rights. When determining the authorization mode pushed to the user, the authority level of the authorized operator may be used as a screening factor, and the processor obtains the permission level of all authorized operators in the optional authorization mode, for example, the authorization path is the on-site authorization path and the remote authority. Authorization path, authorize the operator information to be the name of all authorized personnel, that is, obtain the permission level of all authorized operators corresponding to the on-site authorization route and the remote authorization route.

Step S22, selecting an authorization mode corresponding to the authorized operator with a low privilege level as the authorization mode for determining the push to the user.

When the authority level of the authorized operator is used as a screening factor, the authorized authority of the selected authorized operator should be as low as possible. In the actual operation system, the smaller the number of corresponding authorized operators with high privilege level, the authorized operator with low privilege level can not only help the user to complete the business authorization, but also comprehensively consider the bank's architecture system, which is conducive to overall management and control.

Further, a third embodiment of the present application is proposed based on the first embodiment of the present application. Referring to FIG. 4, in the embodiment, the step S20 includes:

Step S23, obtaining the permission level of all authorized operators corresponding to the optional authorization mode and the current operation state;

In addition to setting the corresponding permission level for the authorization authority of all authorized operators, the current operation state acquisition function of the authorized operator may be set when the system performs the service authorization configuration, and the operation state may include a busy state and an idle state. The current operation status of the user can be confirmed by checking the workflow status of the currently authorized operator or detecting the usage status of the work terminal corresponding to the user.

Step S24: In the corresponding authorized operator whose privilege level is less than the preset privilege threshold, select the authorized operator whose current operating state is idle, and use the corresponding authorization mode as the authorization mode to be pushed to the user.

After the authorization level of the authorized operator and the current operation status are obtained, the determination step may be performed to determine which authorized operators have the permission level corresponding to the default permission threshold, thereby filtering out the lower permission level. Authorized operator. It is also possible to select an authorized operator whose current operation status is idle from the authorized operator with a lower privilege level, and then push the authorization mode corresponding to the authorized operator after the privilege level and the operation status are filtered. To the user. Through the filtering of the privilege level and the current operating state, the authorized operator with a relatively low privilege level and being in an idle state can be filtered, and then the corresponding authorization mode is pushed to the user, so that after the user confirms the authorization mode, the authorization mode determined by the user is determined. Select the corresponding authorized operator, make maximum use of the resources of the bank authorized operator, and ensure the flexible operation of the authorized business.

Further, a fourth embodiment of the present application is proposed based on the third embodiment of the present application. Referring to FIG. 5, in the embodiment, the operating state includes idle and busy; and the step S24 includes:

Step S241, the number of authorized operators belonging to the on-site authorization path and the number of authorized operators belonging to the remote authorization path among the corresponding authorized operators whose permission level is less than the preset authority threshold and the current operation state is idle;

After screening through the privilege level and the idle operation status as the screening factors, there may still be two authorization paths of the on-site authorization route and the remote authorization route, and multiple authorization modes exist at the same time. In order to better assign the authorized operator to the user according to the operation status of the authorized operator in the system, and improve the processing speed of the authorization, only one authorization method can be selected and pushed to the user through screening. Here, the number corresponding to the two different authorization paths may be selected as a screening factor by the corresponding authorized operator whose authority level is less than the preset authority threshold and the current operation state is idle.

Step S242, determining whether the number of authorized operators belonging to the on-site authorization path is greater than or equal to the number of authorized operators belonging to the remote authorization path; if yes, executing step S243; if not, executing step S244;

Step S243, selecting an authorization mode corresponding to the on-site authorization path as the authorization mode for determining to push to the user;

Step S244, selecting an authorization mode corresponding to the remote authorization path as the authorization mode for determining to push to the user.

After obtaining the number corresponding to the two different authorization paths, the number of authorized operators corresponding to the remote authorization path and the number of authorized operators corresponding to the on-site authorization path are compared. If the current authorization level is less than the preset permission threshold and is in an idle authorized operator, and the number of authorized operators corresponding to the remote authorization path is the same or more, the remote authorization path is selected as the authorization mode pushed to the user; If there are more authorized operators corresponding to the on-site authorization route, the on-site authorization route is selected to be pushed to the user as the authorization method. By further judging the number of authorized operators corresponding to different authorization paths, and then selecting one of the authorization methods to be pushed to the user, the service authorization processing speed can be accelerated. Optionally, after the user, one of the multiple authorization modes corresponding to the single authorization path may be selected and sent to the user randomly or according to a preset screening rule.

Further, based on the fifth embodiment of the first embodiment of the present application, referring to FIG. 6, in the embodiment, the step S30 may further include:

Step S40: Obtain authorization authentication password information input by the corresponding authorized operator.

After initiating a call to the corresponding authorized operator, the authorized operator who determines that the user is authorized for the service will go to the self-service terminal area where the user is located, and enter the authorized authentication password. When the banking service processing system is a self-service terminal, the authorized authentication password information input by the authorized operator can be directly obtained or obtained through the remote agent terminal; when the banking service processing system is a server, the authorized authentication password can be obtained through the self-service terminal or the remote agent terminal. information.

The authorization authentication password information may be an authorization password, and the authorization passwords of different authorized operators may be the same or different; or may be at least one of an authorization password, a face information, a fingerprint information, an electronic certificate information, and an authorization password. , not exhaustive here.

In step S50, when the authorization authentication password information input by the authorized operator matches the authorization password information stored in the preset database, it is determined that the authorization of the service to be authorized is successful.

It should be noted that, when the system performs the authorization operator configuration, the corresponding facial information and fingerprint information may be entered for the authorized operator in advance, and the electronic certificate and/or the authorized password may also be used as the authorized password information. When the authorization password information input by the user is the same as the multiple or one authorization password information stored in the database when the system is configured, the service authorization is successful. This embodiment provides a plurality of service authorization verification methods for the banking service processing system, which is flexible and diverse.

Further, a sixth embodiment of the present application is proposed based on the first embodiment of the present application. Referring to FIG. 7, in the embodiment, after the step S10, the step S20 may further include:

Step S60: Acquire an authorization mode selected by the user when initiating a service to be authorized;

In addition to the user authorization mode, the user can manually obtain the authorization mode manually selected by the front-end processing program of the self-service terminal. When the banking service processing system is a self-service terminal, the processor can directly obtain the authorization mode selected by the user; When the processing system is a server, the authorization mode selected by the user can be sent to the system through the self-service terminal for acquisition.

Step S70: determining, from the authorized operator whose current operation status is the idle corresponding to the authorization mode selected by the user, the authorized operator who performs the service authorization for the user randomly or according to the preset authorization screening rule;

The authorized operator in the idle operation state may be selected by the authorized operator corresponding to the authorization mode manually selected by the user, and then the authorized operator may be determined for the user randomly or according to a preset authorization screening rule. For example, the authorization screening rule may be selected in order, and the authorized operator in the first position of the sequence may confirm that it is an authorized operator that handles the service authorization for the user, or may be determined according to an algorithm.

In step S80, the authorized service reminding information is sent to the determined authorized operator for performing the service authorization for the user, so that the authorized operator provides the user with the service authorization according to the authorized service reminding information.

The means for the authorized operator to receive the authorized service reminding information may be received by the remote agent terminal, or may be received by an authorized operator's terminal, such as a smart phone, a wristband, or may be called through a speaker of the banking department. After the authorized operator receives the authorized service reminding information, the user is provided with a service authorization service.

Referring to FIG. 8, the application further provides a banking service processing system for handling the authorization service of the bank self-service terminal, including:

The obtaining module 10 is configured to obtain a service type corresponding to the service to be authorized, and an optional authorization mode corresponding to the service type, where each of the optional authorization modes includes an authorization path corresponding to the authorization mode and an authorization Operator information, the corresponding authorization path is a field authorization path or a remote authorization path;

The determining module 20 is configured to determine, according to a preset screening condition, an authorization manner pushed to the user from the optional authorization manners;

And, the calling module 30 is configured to acquire the corresponding authorized operator information according to the authorization manner pushed to the user, and initiate a call to the corresponding authorized operator.

Further, the determining module 20 includes:

The obtaining unit 21 is configured to obtain the permission levels of all authorized operators corresponding to the optional authorization mode;

The selecting unit 22 is configured to select an authorization mode corresponding to the authorized operator with a low privilege level as the authorization mode for determining the push to the user.

Further, the determining module 20 includes:

The obtaining unit 21 is configured to obtain the permission level of all authorized operators corresponding to the optional authorization mode and the current operation state;

The selecting unit 22 is configured to select, in the corresponding authorized operator whose privilege level is less than the preset privilege threshold, the authorized operator whose current operating state is idle, and use the corresponding authorization mode as the authorization to push to the user. the way.

Further, the operating state includes idle and busy; the selecting unit 22 includes:

The obtaining sub-unit 221 is configured to obtain the number of authorized operators belonging to the on-site authorization path and the number of authorized operators belonging to the remote authorization path, among the authorized operators whose acquisition authority level is less than the preset authority threshold and the current operation state is idle. ;

The determining sub-unit 222 is configured to determine whether the number of authorized operators belonging to the on-site authorization path is greater than or equal to the number of authorized operators belonging to the remote authorization path; and when the authorized operator belongs to the on-site authorization path When the number is greater than or equal to the number of authorized operators belonging to the remote authorization path, the trigger selection sub-unit 223 selects an authorization mode corresponding to the on-site authorization path as the authorization mode for determining the push to the user; When the number of authorized operators is less than the number of authorized operators belonging to the remote authorization path, the trigger selection sub-unit 223 selects the authorization mode corresponding to the remote authorization path as the authorization mode for determining to push to the user.

Further, the obtaining module 10 is further configured to acquire the authorization authentication password information input by the corresponding authorized operator;

The determining module 20 is configured to determine that the authorized service authorization is successful when the authorized authentication password information input by the authorized operator matches the authorized password information stored in the preset database.

Further, the authorization password information stored in the preset database includes at least one of the following:

Authorize the operator's face information, fingerprint information, e-Cert information and authorization password.

Further, the obtaining module 10 is further configured to acquire an authorization mode selected by the user when initiating a service to be authorized;

The determining module 20 is further configured to: determine, from the authorized operator whose current operating state is idle corresponding to the authorization mode selected by the user, the authorized operator that performs the service authorization for the user randomly or according to the preset authorization screening rule;

The calling module 30 is further configured to issue an authorized service reminding information to the determined authorized operator for performing the service authorization for the user, so that the authorized operator provides the user with the service authorization according to the authorized service reminding information.

Claims (25)

 A method for authorizing a bank self-service terminal service, comprising the steps of: Obtaining a service type corresponding to the service to be authorized, and an optional authorization mode corresponding to the service type, where each of the optional authorization modes includes an authorization path corresponding to the authorization mode and authorized operator information, The corresponding authorization route is the on-site authorization route or the remote authorization route; Determining, according to a preset screening condition, an authorization manner pushed to the user from the optional authorization manner; And obtaining, according to the authorization manner pushed to the user, the corresponding authorized operator information, and initiating a call to the corresponding authorized operator. The method for authorizing the bank self-service terminal service according to claim 1, wherein the step of determining the authorization mode pushed to the user from the optional authorization mode according to the preset screening condition comprises: Obtaining the permission level of all authorized operators corresponding to the optional authorization mode; The authorization mode corresponding to the authorized operator with a low privilege level is selected as the authorization method for determining the push to the user. The method for authorizing the bank self-service terminal service according to claim 2, wherein the obtaining the corresponding authorized operator information according to the authorization mode pushed to the user, and initiating a call to the corresponding authorized operator After the step, it also includes: Obtaining the authorization authentication password information input by the corresponding authorized operator; When the authorized authentication password information input by the authorized operator matches the authorized password information stored in the preset database, it is determined that the authorized authorization of the service is successful; The authorization password information stored in the preset database includes at least one of the following: Authorize the operator's face information, fingerprint information, e-Cert information and authorization password. The method for authorizing a bank self-service terminal service according to claim 2, further comprising the steps of: Obtaining the authorization mode selected by the user when initiating the service to be authorized; The authorized operator who performs the service authorization for the user is randomly or according to the preset authorization screening rule, from the authorized operator whose current operation state corresponding to the authorization mode selected by the user is idle; Authorizing the service reminder information to the authorized operator for performing the service authorization for the user, so that the authorized operator provides the user with the service authorization according to the authorized service reminding information. The method for authorizing the bank self-service terminal service according to claim 1, wherein the step of determining the authorization mode pushed to the user from the optional authorization mode according to the preset screening condition comprises: Obtaining the permission level of all authorized operators corresponding to the optional authorization mode and the current operation state; In the corresponding authorized operator whose privilege level is less than the preset privilege threshold, the authorized operator whose current operating state is idle is selected, and the corresponding authorization mode is used as the authorization mode for pushing to the user. The method for authorizing the bank self-service terminal service according to claim 5, wherein the obtaining the corresponding authorized operator information according to the authorization mode pushed to the user, and initiating a call to the corresponding authorized operator After the step, it also includes: Obtaining the authorization authentication password information input by the corresponding authorized operator; When the authorized authentication password information input by the authorized operator matches the authorized password information stored in the preset database, it is determined that the authorized authorization of the service is successful; The authorization password information stored in the preset database includes at least one of the following: Authorize the operator's face information, fingerprint information, e-Cert information and authorization password. The method for authorizing bank self-service terminal service according to claim 5, further comprising the steps of: Obtaining the authorization mode selected by the user when initiating the service to be authorized; The authorized operator who performs the service authorization for the user is randomly or according to the preset authorization screening rule, from the authorized operator whose current operation state corresponding to the authorization mode selected by the user is idle; Authorizing the service reminder information to the authorized operator for performing the service authorization for the user, so that the authorized operator provides the user with the service authorization according to the authorized service reminding information. The authorization method for bank self-service terminal service processing according to claim 5, wherein the operation state includes idle and busy; And selecting, in the corresponding authorized operator whose privilege level is less than the preset privilege threshold, the step of selecting the authorized operator whose current operating state is idle, and determining the corresponding authorization mode as the authorization mode for pushing the user to the user includes : And the number of authorized operators belonging to the on-site authorization path and the number of authorized operators belonging to the remote authorization path, among the authorized operators whose permission level is less than the preset permission threshold and the current operation status is idle; Determining whether the number of authorized operators belonging to the on-site authorization path is greater than or equal to the number of authorized operators belonging to the remote authorization path; When the number of authorized operators belonging to the on-site authorization path is greater than or equal to the number of authorized operators belonging to the remote authorization path, the authorization mode corresponding to the on-site authorization path is selected as the authorization mode for determining to push to the user; When the number of authorized operators belonging to the on-site authorization path is less than the number of authorized operators belonging to the remote authorization path, the authorization mode corresponding to the remote authorization path is selected as the authorization mode for determining to push to the user. The method for authorizing a bank self-service terminal service according to claim 8, wherein the obtaining the corresponding authorized operator information according to the authorization mode pushed to the user, and initiating a call to the corresponding authorized operator After the step, it also includes: Obtaining the authorization authentication password information input by the corresponding authorized operator; When the authorized authentication password information input by the authorized operator matches the authorized password information stored in the preset database, it is determined that the authorized authorization of the service is successful; The authorization password information stored in the preset database includes at least one of the following: Authorize the operator's face information, fingerprint information, e-Cert information and authorization password. The method for authorizing a bank self-service terminal service according to claim 8, further comprising the steps of: Obtaining the authorization mode selected by the user when initiating the service to be authorized; The authorized operator who performs the service authorization for the user is randomly or according to the preset authorization screening rule, from the authorized operator whose current operation state corresponding to the authorization mode selected by the user is idle; Authorizing the service reminder information to the authorized operator for performing the service authorization for the user, so that the authorized operator provides the user with the service authorization according to the authorized service reminding information. The method for authorizing the bank self-service terminal service according to claim 1, wherein the obtaining the corresponding authorized operator information according to the authorization mode pushed to the user, and initiating a call to the corresponding authorized operator After the step, it also includes: Obtaining the authorization authentication password information input by the corresponding authorized operator; When the authorized authentication password information input by the authorized operator matches the authorized password information stored in the preset database, it is determined that the authorized authorization of the service is successful. The method for authorizing the bank self-service terminal service according to claim 11, wherein the authorization password information stored in the preset database comprises at least one of the following: Authorize the operator's face information, fingerprint information, e-Cert information and authorization password. The method for authorizing bank self-service terminal service according to claim 1, further comprising the steps of: Obtaining the authorization mode selected by the user when initiating the service to be authorized; The authorized operator who performs the service authorization for the user is randomly or according to the preset authorization screening rule, from the authorized operator whose current operation state corresponding to the authorization mode selected by the user is idle; Authorizing the service reminder information to the authorized operator for performing the service authorization for the user, so that the authorized operator provides the user with the service authorization according to the authorized service reminding information. A banking service processing system for handling the authorization business of a bank self-service terminal, including: An obtaining module, configured to obtain a service type corresponding to the service to be authorized, and an optional authorization mode corresponding to the service type; wherein each of the optional authorization modes includes an authorization path corresponding to the authorization mode and an authorization operation Information, the corresponding authorization path is an on-site authorization path or a remote authorization path; Determining a module, configured to determine, according to a preset screening condition, an authorization manner pushed to the user from the optional authorization manner; as well as, The calling module is configured to obtain the corresponding authorized operator information according to the authorization manner pushed to the user, and initiate a call to the corresponding authorized operator. A banking service processing system for handling an authorization service of a bank self-service terminal, wherein the banking service processing system comprises: a communication module, a memory, a processor, and is stored on the memory and operable on the processor Computer program that, when executed by the processor, implements the following steps: Obtaining a service type corresponding to the service to be authorized, and an optional authorization mode corresponding to the service type, where each of the optional authorization modes includes an authorization path corresponding to the authorization mode and authorized operator information, The corresponding authorization route is the on-site authorization route or the remote authorization route; Determining, according to a preset screening condition, an authorization manner pushed to the user from the optional authorization manner; And obtaining, according to the authorization manner pushed to the user, the corresponding authorized operator information, and initiating a call to the corresponding authorized operator. The banking service processing system of claim 15 wherein said computer program is further executed by said processor to: Obtaining the permission level of all authorized operators corresponding to the optional authorization mode; The authorization mode corresponding to the authorized operator with a low privilege level is selected as the authorization method for determining the push to the user. The banking service processing system of claim 15 wherein said computer program is further executed by said processor to: Obtaining the permission level of all authorized operators corresponding to the optional authorization mode and the current operation state; In the corresponding authorized operator whose privilege level is less than the preset privilege threshold, the authorized operator whose current operating state is idle is selected, and the corresponding authorization mode is used as the authorization mode for pushing to the user. The banking service processing system of claim 17 wherein said operational status comprises idle and busy; The computer program, when executed by the processor, also implements the following steps: And the number of authorized operators belonging to the on-site authorization path and the number of authorized operators belonging to the remote authorization path, among the authorized operators whose permission level is less than the preset permission threshold and the current operation status is idle; Determining whether the number of authorized operators belonging to the on-site authorization path is greater than or equal to the number of authorized operators belonging to the remote authorization path; When the number of authorized operators belonging to the on-site authorization path is greater than or equal to the number of authorized operators belonging to the remote authorization path, the authorization mode corresponding to the on-site authorization path is selected as the authorization mode for determining to push to the user; When the number of authorized operators belonging to the on-site authorization path is less than the number of authorized operators belonging to the remote authorization path, the authorization mode corresponding to the remote authorization path is selected as the authorization mode for determining to push to the user. The banking service processing system of claim 15 wherein said computer program is further executed by said processor to: Obtaining the authorization authentication password information input by the corresponding authorized operator; When the authorized authentication password information input by the authorized operator matches the authorized password information stored in the preset database, it is determined that the authorized authorization of the service is successful; The authorization password information stored in the preset database includes at least one of the following: Authorize the operator's face information, fingerprint information, e-Cert information and authorization password. A computer readable storage medium, wherein the computer readable storage medium stores a computer program, the computer program being executed by a processor to implement the following steps: Obtaining a service type corresponding to the service to be authorized, and an optional authorization mode corresponding to the service type, where each of the optional authorization modes includes an authorization path corresponding to the authorization mode and authorized operator information, The corresponding authorization route is the on-site authorization route or the remote authorization route; Determining, according to a preset screening condition, an authorization manner pushed to the user from the optional authorization manner; And obtaining, according to the authorization manner pushed to the user, the corresponding authorized operator information, and initiating a call to the corresponding authorized operator. The computer readable storage medium of claim 20, wherein the computer program is further executed by the processor to: Obtaining the permission level of all authorized operators corresponding to the optional authorization mode; The authorization mode corresponding to the authorized operator with a low privilege level is selected as the authorization method for determining the push to the user. A computer readable storage medium as claimed in claim 20, wherein the computer program, when executed by the processor, implements the following steps: Obtaining the permission level of all authorized operators corresponding to the optional authorization mode and the current operation state; In the corresponding authorized operator whose privilege level is less than the preset privilege threshold, the authorized operator whose current operating state is idle is selected, and the corresponding authorization mode is used as the authorization mode for pushing to the user. The computer readable storage medium of claim 22 wherein said operational state comprises idle and busy; said computer program being executed by a processor to implement the following steps: And the number of authorized operators belonging to the on-site authorization path and the number of authorized operators belonging to the remote authorization path, among the authorized operators whose permission level is less than the preset permission threshold and the current operation status is idle; Determining whether the number of authorized operators belonging to the on-site authorization path is greater than or equal to the number of authorized operators belonging to the remote authorization path; When the number of authorized operators belonging to the on-site authorization path is greater than or equal to the number of authorized operators belonging to the remote authorization path, the authorization mode corresponding to the on-site authorization path is selected as the authorization mode for determining to push to the user; When the number of authorized operators belonging to the on-site authorization path is less than the number of authorized operators belonging to the remote authorization path, the authorization mode corresponding to the remote authorization path is selected as the authorization mode for determining to push to the user. A computer readable storage medium as claimed in claim 20, wherein the computer program, when executed by the processor, implements the following steps: Obtaining the authorization authentication password information input by the corresponding authorized operator; When the authorized authentication password information input by the authorized operator matches the authorized password information stored in the preset database, it is determined that the authorized authorization of the service is successful; The authorization password information stored in the preset database includes at least one of the following: Authorize the operator's face information, fingerprint information, e-Cert information and authorization password. A computer readable storage medium as claimed in claim 20, wherein the computer program, when executed by the processor, implements the following steps: Obtaining the authorization mode selected by the user when initiating the service to be authorized; The authorized operator who performs the service authorization for the user is randomly or according to the preset authorization screening rule, from the authorized operator whose current operation state corresponding to the authorization mode selected by the user is idle; Authorizing the service reminder information to the authorized operator for performing the service authorization for the user, so that the authorized operator provides the user with the service authorization according to the authorized service reminding information.