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Enterprise Public Self-service Bank Solution


Enterprise Public Self-service Bank Solution

 
Over a long period, enterprise bill settlement in domestic banks is processed by clerks in branches, although banks have invested lots of manpower and material resources to support counter business processing, phenomena such as low efficiency and high operating costs still exist. Besides, for a huge business acceptance volume in part of branches, queuing management is very common during business transaction among customers.  So, improving bill business service level, and reducing bill business service costs have become important means to enhance core competitiveness in commercial banks.  

 
With respect to enterprise self-service bank, for convenient usage, low operation costs, and wide coverage, it has become a new channel for bank service enterprises and institutional customers, and customers can complete the majority of businesses such as bill capital settlement, remittance and receipt acceptance etc. in a nearby enterprise self-service bank quickly. After the enterprise self-service bank is established by a commercial bank, a 24-hour self-service for enterprise business can be realized, which splits pressure on counter business, and promotes branch's operation efficiency, so as to create a personalized, differential and value-added product service brand for commercial bank, and to promote commercial bank's brand value in an all-round way.  


The enterprise self-service bank solution of Beijing Sinodata Tech Co., Ltd. is a modern and comprehensive application management system, which provides bank public customers with a 24-hour self-service via a self-service financial terminal controlled by computer. Types of its main self-help businesses include: Check transfer, remittance, receipt printing and checking. It is based on public bill acceptance business model for clerks in bank branches, and utilizes core technologies such as identity recognition technology, image scanning technology, bill anti-counterfeiting recognition technology, image processing technology, mechanical automation processing technology, workflow technology and operating intelligent scheduling technology etc. It realizes business functions such as customer identity recognition, password verification, bill scanning, bill anti-counterfeiting recognition, bill automatic storage, automatic printing of bill acceptance receipt, and automatic stamping etc. Moreover, it uploads bill data collected online onto bill self-service counter back-end management system, and accesses to business system, image platform, and business centralized operating center in the bank via P console management system, to complete subsequent business transaction. At present, relatively mature business application systems contained in enterprise self-service bank include bill self-service acceptance system, self-service receipt system as well as corresponding bill anti-counterfeiting system.


The overall solution of enterprise self-service bank system provided by Beijing Sinodata Tech Co., Ltd., is more convenient in deployment, and wide in application, which can effectively reduce the bank's costs in comprehensive construction, operation and service, to realize bank resource intensive management and low-cost fast expansion of branch, so as to provide enterprise users with continuous, safe, conformable and convenient financial services of a large variety in an all-round way.

 


Bill Self-service Acceptance System


1. Overview:


The self-service bill business system of Beijing Sinodata Tech Co., Ltd., includes public bill self-service equipment, self-service bill front-end and back-end system. The self-service bill front-end system, supports enterprise and institutional users of the bank, except for branch clerks accepting customer bills in branches, self-service equipment can also be selected to complete business transaction, realizing bill document saving, scanning, identification as well as printing of public receipts and statements. The self-service bill back-end system, supports bank business personnel's input and review on bill business information in a self-service acceptance channel, collective generation and printing of receipts, as well as self-service equipment signing and management. The self-service bill business system of Beijing Sinodata Tech Co., Ltd. realizes an innovative processing mode of accepting bill business at front-end and processing at back-end, which enables commercial banks to eliminate disadvantages of manual processing, and transfers pressure and risk on clerks, providing them more energy to be engaged in the work mode of customer marketing. The self-service equipment in self-service bill business system of Beijing Sinodata Tech Co., Ltd. is suitable to be equipped in branches, 24-hour unmanned banks and class A office buildings, and can be extended to scenarios inside the enterprise etc., to enrich and develop the bank's public service channel network, and to realize financial services for bank customers anytime, anywhere as they wish.  


The public self-service bill equipment mainly includes: Self-service bill acceptance machine SD3000-A and self-service ticket machine SD3000-T.

 


Main Functional Characteristics

 
1. Bill acceptance scope: Check format bills


2. Bill image collection: Supports double-sided scan for entire voucher and bill, and image collection resolution supports "300DPI and 200DPI Image Collection Standards".


3. Bill anti-counterfeiting review: Supports "bill accounting element information compliance review, bill signature electronic verification review, and bill paper material anti-counterfeiting review" and realizes bill "signature, material and information" integrated anti-counterfeiting risk review and control.


4. Identity safety authentication of acceptor: Supports identity safety authentication of enterprise acceptor, realizes business transaction safety control, supports safety authentication such as "recognition on enterprise card, ID card, signing password and fingerprint", and supports various medium card authentication such as "IC card, magnetic card, and contact/non-contact card" etc.


5. Self-service refund function: After self-service acceptance of bills, it will review bill element information, and anti-counterfeiting information automatically,  and support self-service refund function for illegal bills.


6. Bill storage function: After self-service acceptance of bills, it will review bill element information, and anti-counterfeiting information automatically, while save legal bills into "bill storage module" automatically, and provides a safe box storage mechanism.  


7. Accepted slip printing: After self-service acceptance of bills is completed, and bill review information is legal, it will print business acceptance slip automatically, as business acceptance evidence for enterprise acceptor.    


8. Receipt printing: A built-in high-speed laser printer in the equipment, supports batch printing function for payment receipts, checking receipts and query bills.  


9. Automatic stamping: A built-in automatic stamper in the equipment, supports automatic stamping function for documents such as payment receipts and checking receipts etc., providing a flat and undeformed stamping effect, which can be used in back-end verification. Stamp supports horizontal and vertical versions.   


10. Business query: A built-in query module in C console transaction system, preserves an interface for bank account data query, and supports real-time query for account information of enterprise customers on the self-service ticket machine.  

 
11. Automatic account checking: C console application system, supports machine clearing and account checking function. After system administrator logging in and entering machine clearing and account checking, he or she will open the safe box and take out physical instruments, and system will enter printer cleaning and account checking. After that, system will upload machine clearing and account checking data onto back-end operating center.  


12. Query system status: Bill self-service machine P console configuration. Bill self-service machine status monitoring system, carries out monitoring management on related modules of the equipment. For example: Status of card reader, password keyboard, printer, stamper, print paper and bill box receiving status.  

 
13. Machine & tool open-door monitoring records: During each startup maintenance, machine clearing and account checking of the equipment, system will record start time and control content onto working logs, and print out records via a log printer.  


14. Voice prompt: The equipment provides voice prompt for key steps during customer operation, to help customer complete bill acceptance and transaction process.  


15. Video security monitoring: A 24-hour video monitoring is carried out on self-service ticket machine operation, and video data will be kept for 6 months.  


16. Log print query: Log recording is carried out for self-service acceptance bill business operation, which supports log query, and log print.


17. Machine clearing business management: The product provides machine clearing business management module, and supports batch transaction details list and batch transaction summary list query and print.

 


Relative Advantages


1. Bill storage split box technology: It stores different types of bills of customers, and reduces work load of machine clearing, assorting and classification clerks.


2. Print information OCR recognition technology: The efficiency of automatic recognition on issue date, document number, amount in words and amount in figures, account number, account name has been improved.


3. Bill anti-counterfeiting recognition technology: The technology of self-service recognition on faked or altered bills is crucial for future use.    


4. Traditional image technology: The quality of collected images can reach criteria, thus guarantees seal verification pass rate.  


5. Bill image centralized processing technology: Improves construction efficiency for the bank's self-service bill acceptance back-end system.


6. Small handwritten character set information OCR recognition technology: Improves recognition efficiency for amount and account.

 


Application Area


Large state-owned banks, joint-stock banks, city commercial banks, postal savings banks, and rural commercial banks

 


Customer Benefits


1. Optimized services: Based on traditional service acceptance channel, enterprise financial self-service service channels are developed; realizes a self-service 24-hour delay in enterprise bill settlement business.


2. Risk prevention and control: Changes the traditional separate review mode for counter seals and bill materials, and realizes an integrated review, improving the security of risk prevention and control; Realizes automated review on partial bill element information, and improves the security and efficiency of bill review.


3. Low-cost and quick construction: Realizes a low-cost and full-featured self-service branch construction; Reduces costs required by traditional institutional construction; Realizes lightweight branch construction, improves branch construction speed quickly, and promotes business coverage rate; Splits counter business volume of the company, releases counter personnel resource, and reduces manpower cost.  


4. Value-added marketing: Improves service level of commercial banks, promotes brand effect and improves image; Releases human resource, enriches product marketing strength, and enlarges product marketing.

 


Typical Cases


Product Application Cases in Bank of China Suzhou Branch


1. Project construction objectives


To completely release the pressure of front-desk clerks, based on the back-end centralized operating platform established by Beijing Sinodata Tech Co., Ltd., and using bill self-service machine. To reduce customers waiting in line, promote enterprise customer's service experience, and enhance business competitiveness of Bank of China Suzhou Branch of the industry.  


Application scenarios: Attached-to-the-line combined with installed-in-hall type


Scope of business processing: Transfer checks and electronic remittances


Product Functions: Main business functions of bill self-service machine include: Customer identity authentication, business type selection, bill image scanning, bill anti-counterfeiting recognition, bill deposit, data communication, bill refund, bill acceptance receipt printing, security monitoring and recognition system.  


Project Construction Mode


After enterprise customer completes bill self-service acceptance on a bill self-service machine, customer's bill imaging task will be interacted to back-end operating center in a real-time way, while the processing system in back-end operating center will distribute these tasks to batch electronic seal verification system, input center and review center, in the form of push on imaging tasks, after the review on bill elements is done, these will be interacts with financial system for recording. Bill invisible QR code anti-counterfeiting review. During the application of bill self-service machine in Bank of China Suzhou Branch, invisible QR code anti-counterfeiting technology has been integrated. During self-service acceptance on bill business of the bank, fast and accurate recognition and reading of bill information, as well as bill anti-counterfeiting have been realized by utilizing invisible QR code information. Invisible QR information is automatically printed in a specific position on check quickly by batch, during check issuance. Bank of China Suzhou Branch has specified the agreed content for invisible QR information, including account number and voucher number, so key elements of the bill shall be accurately recognized and extracted.

 


Self-service Receipt System


Overview


The purpose of self-service receipt system of Beijing Sinodata Tech Co., Ltd. is to establish a platform for centralized printing, withdrawal and management for customer receipts (including statements). To realize business process control on receipt slip preparation, printing, reprinting, clearing and launch as well as management, query and statistics on related information. To realize customer's self-service printing of receipt slips, so as to reduce front-desk workload, and to eliminate operation risks such as artificial stamping, and incorrect launch etc. To realize electronic processing of reprinted receipts, and to replace the original receipt reprinting method of manual search for original vouchers, so as to standardize reprinted receipts, effectively improve efficiency and to prevent operation risk. Besides, mining analysis on receipt business data is also carried out, to make receipts provided by the bank more complete in type, reflect customer account information more accurately, receipt business information more complete, and more reliable receipt storage, so as to greatly improve customer satisfaction.  


The self-service receipt system of Beijing Sinodata Tech Co., Ltd. includes: Self-service receipt processing system and self-service receipt printing terminals.

 


Main Functional Characteristics


1. Comprehensive enterprise transaction data mining: The self-service receipt system integrates transaction data of all business subsystems (featured business systems such as core accounting system, online bank, big & small amount system, modern payment system, tax system and interest slip etc.), via data processing platform, to provide commercial banks with more complete enterprise transaction data, while commercial banks can also provide enterprise users with considerate query service for accounting data.   


2. Self-service receipt processing new mode: Enterprise users implement identity authentication via magnetic cards, IC cards etc. issued by commercial banks, and system lists out all receipts required to be printed out, while batch printing, and digital-controlled stamping can be carried out, so as to promote customer experience, and reduce burden on branch counter, besides, enterprises can also query more enterprise data information via this platform.  


3. Dumb self-service terminal system: The product is simple in operation, which can be done by a touch. Its interface refers to interface design standards on self-service financial equipment, while abundant operation prompts and functional instruction labels are also available.  


4. Reliable security and stability: The product adopts an upper-lower box design, with core security modules such as business stamp etc. located in lower box, while a professional safety cash-box design is also adopted. The self-service receipt system supports anti-counterfeiting recognition technology, to guarantee uniqueness of receipts.  The product adopts the design plan provided by an international advanced design team for financial machines and tools, with mature and stable modules inside.  


5. Extensibility and compatibility: The self-service receipt machine solution is based on WINDOWS platform, and complies with access standards on CDN/XFS financial machines and tools. The product possesses high compatibility, and can quickly access to equipment monitoring system in the bank; meanwhile, it is integrated with existing electronic receipt cabinet, and makes full use of existing IT resources, so as to reduce investment.


Relative Advantages


1. Data mining platform


2. Automatic digital-controlled stamping


3. Flexible customization of receipt style


4. 17 "LCD/touch screen


5. Push-pull design, easy to maintain


6. Invisible QR code realizes anti-counterfeiting recognition on receipts.

 


Application Area


Large state-owned banks, joint-stock banks, city commercial banks, postal savings banks, and rural commercial banks

 


Customer Benefits


1. Improving customer satisfaction and enhancing bank competitiveness.  


2. Promoting service efficiency, and setting up a sound service image.  


3. Innovating service mode, and expanding service channel.  


4. Extending service time, and releasing human resource.

 


Typical Case


Kunshan Rural Commercial Bank Case

 
At present, Kunshan Rural Commercial Bank has realized data centralization, while the processing method for exit receipts is an important supplement reflected by centralized processing advantage, so, a new receipt system will effectively improve working efficiency in bank branches, save operation costs, and eliminate situations such as customer receipt missing or misplacement etc. to the greatest extent, so as to provide customers with more convenient service products. The new receipt management mode realizes front-end and back-end separation in receipt business processing, which can implement self-service query printing for customers, counter query receipt printing, and support other channels such as online bank query and receipt printing etc. The new receipt management mode will break the traditional receipt management mode, unify receipt format based on system, realize an overall electronic management on customer receipts, and completely support customer self-service, which can greatly improve the branch's working efficiency, simply customer operation, and reduce costs.  

 


Business Mode

 
The customer receipt management system developed by Beijing Sinodata Tech Co., Ltd., is integrated with the receipt data warehouse (NDW). Main functions: Customer receipt printing, reprinting which fully covers 21 featured receipts, and 32 receipts of core and peripheral systems, which is 53 receipts in all;  


Implementing a "one-stop" service for public receipt self-service query, printing, stamping and pickup etc. The public receipt printing self-service terminal is a new type of customer receipt processing equipment, which completely replaces the traditional electronic receipt cabinet in banks, and enterprise customers can realize "one-stop" services including query, printing, stamping and pickup etc. on a self-service receipt machine via an IC card issued by the bank. The public receipt self-service printing terminal accesses to data warehouse, and uploads transaction requests to branch server according to customer's selection, while branch server fetches receipt data from database, and returns to public receipt self-service printing terminal, to output to customers.


Receipt cabinet, combined with self-service printing system's client, as well as back-end management program and database, is collectively known as self-service printing receipt cabinet system, with functions such as online trading balance query, self-service account checking and receipt printing.  

 


Customer Value


Brand Promotion: Providing a door-to-door bank service for customers in Class A office buildings and economic zones, and promoting brand effect of domestic banks.  


Low costs: With low service costs, the system replaces some service projects with a high cost in the past.  


Customer splitting: Innovating new channels for enterprise receipt service, replacing clerk operation, and splitting pressure on counter.  

 


Facing Customer Group


Customers: Suitable for all public customers, as well as some middle and high-end individuals in need of account checking.  


Branches: Applicable for all business institution in the system of Bank of China throughout the nation, easy to reproduce.

 


Case Description


Kunshan Rural Commercial Bank receipt/statement database has been established in July, 2013, and the database also provides data to intranet and self-service equipment. Constant expansion on receipt type, covering 21 types of featured receipts, and 32 types of receipts for core and peripheral systems, meeting customer's requirements on receipt printing and reprinting.   


From the end of 2013, 45 self-service receipt printers have been purchased by 2 batches, till Dec., 2013, a full coverage in all branches has been achieved. Self-service printing equipment possesses functions such as automatic stamping, real-time search on receipt/statement data, to meet cross-institutional printing requirements of customers, and to realize a service "anytime, anywhere" as one wishes.  


1. Analysis on customer benefits


2. Release of human resource: Saving 1.5 human resource occupancy of business office in branches, and releasing 3 hours of workload per each working day in branches, which reduces counter pressure.


3. Nearby fetching: Implementing nearby transaction of receipt business for customers, to implement insufficient configuration in physical branches.


4. A 24-hour service: Realizes a 7*24 hour business service.  


5. Customer experience: Creating an optimal customer experience, and providing financial services anytime, anywhere as one wishes.


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