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Injin Sake Amfani da Kuɗi-CRM
Ajiye kuɗi da kuma cire kuɗi daga ATM
Injin Sake Amfani da Kuɗi (CRM)
Injin Sake Amfani da Kudi (CRM) wani ci gaba ne na tsarin kuɗi na kai-tsaye wanda bankuna ke amfani da shi don haɗa manyan ayyukan kuɗi—gami da ajiyar kuɗi, cire kuɗi, da sake amfani da su—tare da ƙarin ayyukan da ba na kuɗi ba. A matsayin ingantaccen sigar ATM na gargajiya (Injinan Sayar da Kuɗi ta atomatik), CRMs suna haɓaka ingancin ayyukan kuɗi na kai-tsaye kuma ana sanya su sosai a rassan banki, cibiyoyin banki na kai-tsaye, manyan kantuna, da cibiyoyin sufuri don biyan buƙatun abokan ciniki 24/7.
1. Manyan Ayyuka: Bayan Ayyukan Kuɗi na Asali
CRMs sun shahara saboda ikon "sarrafawa da cire kuɗi ta hanyoyi biyu" (ajiya da cire kuɗi) da kuma ayyuka daban-daban, waɗanda za a iya rarraba su zuwa ayyuka masu alaƙa da kuɗi , ayyukan da ba na kuɗi ba , da fasalulluka masu ƙara ƙima (misali sabis na CRM Hongzhou Smart ga kasuwar Bankin China):
| Nau'in Aiki | Takamaiman Ayyuka | Dokokin gama gari/Bayanan kula |
|---|---|---|
| Ayyukan da suka shafi Kuɗi (Asalin) | 1. Cire Kuɗi | - Iyakar cirewa ta yau da kullun ga kowace kati: YawanciCNY 20,000 (wasu bankunan suna ba da damar daidaitawa zuwa CNY 50,000 ta hanyar bankin wayar hannu). - Iyakar cirewa guda ɗaya: CNY 2,000–5,000 (misali, ICBC: CNY 2,500 a kowace ma'amala; CCB: CNY 5,000 a kowace ma'amala), an iyakance shi ga ninka yuan 100. |
| 2. Kudin da aka ajiye | - Yana tallafawa ajiyar kuɗi ba tare da kati ba (ta hanyar shigar da lambar asusun mai karɓa) ko ajiyar kuɗi bisa kati. - Ƙungiyoyin da aka yarda da su: CNY 10, 20, 50, 100 (tsofaffin samfuran na iya karɓar CNY 100 kawai). - Iyakar ajiya ɗaya: takardun kuɗi 100–200 (≈ CNY 10,000–20,000); iyaka ta yau da kullun: Yawancin lokaci CNY 50,000 (ya bambanta da banki). - Injin yana tabbatar da sahihancin takardar kuɗi da sahihancinta ta atomatik; ana ƙin karɓar takardun kuɗi na jabu ko waɗanda suka lalace. | |
| 3. Sake Amfani da Kuɗi (don samfuran da aka sake amfani da su wajen sake amfani da su) | - Ana adana kuɗin da aka ajiye (bayan an tabbatar) a cikin rumbun ajiyar na'urar kuma a sake amfani da shi don cire kuɗi nan gaba. Wannan yana rage yawan sake cika kuɗin da ma'aikatan banki ke yi da hannu kuma yana inganta amfani da kuɗin. | |
| Ayyukan da ba na Kuɗi ba | 1. Binciken Asusu | Duba ma'aunin asusu da tarihin ma'amala (watanni 6-12 da suka gabata); ana iya buga rasitin ma'amala. |
| 2. Canja wurin Kuɗi | - Yana tallafawa canja wurin banki tsakanin bankuna da kuma cikin bankuna. - Iyakar canja wuri ɗaya: Yawanci CNY 50,000 (tsohuwar hanyar biyan kuɗi ta hanyar sabis na kai; ana iya ƙara ta hanyar asusun banki ko bankin wayar hannu). - Ana iya amfani da kuɗin canja wurin banki tsakanin bankuna (0.02%–0.5% na adadin canja wurin, kodayake wasu bankunan sun yafe kuɗaɗen yin amfani da bankin wayar hannu). | |
| 3. Gudanar da Asusu | Gyara kalmomin shiga na tambaya/ma'amala, ɗaure lambobin wayar hannu, kunna/kashe izinin sabis na kai. | |
| 4. Biyan Kuɗi | Biyan kuɗin wutar lantarki (ruwa, wutar lantarki, iskar gas), kuɗin waya, ko kuɗin kadarori (yana buƙatar kunna yarjejeniya ta gaba ta hanyar asusun banki ko app). | |
| Siffofin da aka ƙara musu daraja (Na ci gaba da samfura) | 1. Sabis na Gane Fuska Ba Tare da Kati Ba | - Cire kuɗi ba tare da kati ba : Samar da lambar cire kuɗi ta hanyar bankin wayar hannu, sannan shigar da lambar + kalmar sirri akan CRM don cire kuɗi. - Gane fuska : Wasu bankuna (misali, ICBC, CMB) suna bayar da ajiyar kuɗi/cirewa ta fuskar mutum - ba a buƙatar kati; ana tabbatar da asalin mutum ta hanyar gano yanayin mutum don hana zamba. |
| 2. Kudin Cek | Yana haɗa fasahar duba-duba don ajiye cak ɗin canja wuri. Bayan duba, bankin yana tantance cak ɗin da hannu, tare da ba da kuɗin da aka ba shi cikin kwanaki 1-3 na aiki. | |
| 3. Ayyukan Kuɗin Ƙasashen Waje | Ƙaramin adadin CRMs (a filayen jiragen sama na ƙasashen waje ko rassan da suka shafi ƙasashen waje) suna tallafawa ajiyar kuɗi/janye kuɗin ƙasashen waje (USD, EUR, JPY) (yana buƙatar asusun kuɗin ƙasashen waje; iyakoki sun bambanta da RMB). |
2. Mahimman Abubuwan da Aka Haɗa: Kayan Aiki da Aka Tsara don Gudanar da Kuɗi Biyu
CRMs suna da kayan aiki masu rikitarwa fiye da na'urorin ATM na gargajiya, tare da manyan abubuwan da aka tsara don buƙatun ajiya da cire kuɗi:
(1) Tsarin Sarrafa Kudi (Core)
- Mai Tabbatar da Ramin Ajiya da Banki : Bayan an saka kuɗi, mai tabbatarwa yana amfani da na'urori masu auna haske da maganadisu don duba ma'auni, sahihanci, da kuma sahihancinsa. Ana ƙin karɓar bayanan jabu ko waɗanda suka lalace; ana rarraba takardun shaidar da suka dace zuwa rumbun adana bayanai na musamman ga ƙungiyoyi.
- Ramin Cire Kuɗi & Mai Rarraba Kuɗi : Da zarar an karɓi buƙatar cire kuɗi, mai rarrabawa zai ɗauko kuɗi daga ma'ajiyar da ta dace, ya ƙirga shi ya kuma shirya shi, sannan ya raba shi ta hanyar ragin cire kuɗi. Idan ba a karɓi kuɗin cikin daƙiƙa 30 ba, ana cire shi ta atomatik kuma a rubuta shi a matsayin "kuɗin da ya wuce kima" - abokan ciniki za su iya tuntuɓar banki don a mayar da kuɗin zuwa asusunsu.
- Ma'ajiyar Sake Amfani da Kayayyaki (don samfuran sake amfani da su) : Ajiye kuɗin da aka ajiye da aka tabbatar don sake amfani da su nan take a cikin cire kuɗi, yana rage sake cika kuɗin da hannu.
(2) Tsarin Tabbatar da Shaida & Hulɗa
- Katin Karatu : Yana karanta katunan maganadisu da katunan EMV (katunan IC). Katunan guntu sun fi aminci, domin suna hana yin amfani da bayanai.
- Kyamarar Gane Fuska (Samfurin Duba Fuska) : Yana amfani da gano yanayin rayuwa don tabbatar da asalin mutum, yana toshe zamba ta hanyar hotuna ko bidiyo.
- Allon taɓawa da Nuni : Yana ba da hanyar sadarwa mai sauƙin amfani (tsoffin samfura suna amfani da maɓallan zahiri) don nuna zaɓuɓɓukan sabis, adadin shigarwa, da tabbatar da bayanai. Allo galibi suna da matattara masu hana leƙen asiri don kare sirri.
- Maɓallin Kalmar Sirri : Yana da murfin hana leƙen asiri kuma yana iya tallafawa "shimfidu na maɓallan da aka tsara" (maɓallan suna canzawa kowane lokaci) don hana satar kalmar sirri.
(3) Rasiti & Tsarin Tsaro
- Firintar Rasiti : Yana buga rasitin ciniki (gami da lokaci, adadi, da lambobi 4 na ƙarshe na lambar asusun). Ana shawartar abokan ciniki da su ajiye rasitin don sulhu.
- Tsaro : Yana adana rumbunan ajiyar kuɗi da kuma kayan sarrafawa na tsakiya; an yi su ne da kayan hana fashewa da kuma waɗanda ba sa jure wa gobara. Yana haɗuwa da bayan bankin a ainihin lokaci—ana kunna ƙararrawa idan aka gano shigar da aka yi da tilas.
- Kyamarar Kulawa : An sanya ta a saman ko gefen na'urar don yin rikodin ayyukan abokan ciniki, wanda ke taimakawa wajen warware takaddama (misali, "kuɗin da ba a saka ba bayan an ajiye su" ko "an cire kuɗin").
(4) Sashen Sadarwa da Kulawa
- Kwamfutar Masana'antu (IPC) : Tana aiki a matsayin "ƙwaƙwalwar" CRM, tana gudanar da wani aiki na musamman don daidaita kayan aiki (mai tantancewa, mai rarrabawa, firinta) da kuma haɗawa da babban tsarin bankin ta hanyar hanyoyin sadarwa masu ɓoye. Tana daidaita bayanan asusu a ainihin lokaci (misali, sabunta ma'auni, kuɗin kuɗi).
3. Nasihu Kan Amfani: Tsaro & Inganci
(1) Don Ajiya Kuɗi
- Tabbatar cewa takardun kuɗi ba su da naɗewa, tabo, ko tef—ana iya ƙin karɓar takardun kuɗi da suka lalace.
- Duba lambar asusun mai karɓar kuɗi sau biyu (musamman lambobi 4 na ƙarshe) don ganin adadin da aka ajiye ba tare da katin ba don guje wa karkatar da kuɗaɗen da aka canja wurin ba daidai ba (dawo da kuɗaɗen da aka canja wurin ba daidai ba yana buƙatar tabbatar da banki mai rikitarwa).
- Idan na'urar ta nuna "cinikin ya gaza" amma an cire kuɗin daga asusun, kar a bar na'urar . Tuntuɓi sabis na abokin ciniki na banki (lambar waya da aka sanya a CRM) nan da nan, ta hanyar ba da shaidar na'urar da lokacin mu'amala. Za a mayar da kuɗin zuwa asusunka cikin kwanaki 1-3 na aiki bayan tabbatarwa.
(2) Don cire kuɗi daga asusun
- Kare madannai da hannunka/jikinka lokacin shigar da kalmar sirri don hana leƙen asiri ko kyamarorin ɓoyewa.
- A ƙidaya kuɗi nan da nan bayan an cire kuɗi; a tabbatar da adadin kafin a tafi (takaddama tana da wuyar warwarewa da zarar ka bar na'urar).
- Kada a tilasta wa bankin cire kuɗi idan an cire kuɗin daga asusunka—tuntuɓi bankin don a sarrafa shi da hannu.
(3) Gargaɗin Tsaro
- Kula da abubuwan da ba su dace ba: Idan CRM yana da "ƙarin maɓallan da aka haɗa," "kyamarori da aka toshe," ko "abubuwan waje a cikin ramin katin" (misali, na'urorin yin skimming), daina amfani da shi kuma ka kai rahoto ga banki.
- Ƙi "taimakon baƙi": Idan kun ci karo da matsalolin aiki, tuntuɓi sabis na abokin ciniki na banki ko ziyarci reshe na kusa - kada ku taɓa barin baƙi su taimaka.
- Kare bayanan asusu: Kada a taɓa raba kalmar sirrinka; kada a danna "hanyoyin da ba a saba gani ba" a kan hanyar sadarwa ta CRM (masu zamba na iya yin amfani da hanyar sadarwa don satar bayanai).
4. CRM da ATM na gargajiya da kuma lissafin banki
CRMs suna cike gibin da ke tsakanin ATM na gargajiya (janyewa kawai) da kuma lissafin banki (cikakken sabis amma yana ɗaukar lokaci), suna ba da daidaiton sauƙi da aiki:
| Girman Kwatanta | Injin Sake Amfani da Kuɗi (CRM) | Na'urar ATM ta Gargajiya | Kantin Banki |
|---|---|---|---|
| Ayyukan Ciki | Ajiya, cire kuɗi, canja wurin kuɗi, biyan kuɗi (ayyuka da yawa) | Cire kuɗi, tambaya, canja wuri (babu ajiya) | Cikakkun ayyuka (ajiyar kuɗi/janye kuɗi, buɗe asusu, lamuni, kula da dukiya) |
| Iyakokin Kuɗi | Ajiya: ≤ CNY 50,000/rana; Janyewa: ≤ CNY 20,000/rana (ana iya daidaitawa) | Fitar kuɗi: ≤ CNY 20,000/rana (babu ajiya) | Babu iyaka mafi girma (babban cire kuɗi yana buƙatar yin ajiyar kwana 1 a gaba) |
| Lokacin Sabis | 24/7 (cibiyoyin hidimar kai/rassa na waje) | 24/7 | Lokacin Banki (yawanci 9:00–17:00) |
| Gudun Sarrafawa | Sauri (minti 1–3 a kowace ciniki) | Da sauri (≤ minti 1 don cirewa) | A hankali (minti 5–10 a kowace ciniki; jira a layi) |
| Yanayin da ya dace | Ma'amaloli na kuɗi na yau da kullun daga ƙanana zuwa matsakaici, biyan kuɗi na lissafin kuɗi | Cire kuɗi na gaggawa | Manyan ma'amaloli na kuɗi, ayyuka masu rikitarwa (misali, buɗe asusu) |
A taƙaice, Injinan Sake Amfani da Kuɗi muhimmin ginshiƙi ne na tsarin banki na zamani na kai-tsaye. Ta hanyar haɗa ayyukan ajiya, cire kuɗi, da kuma ayyukan da ba na kuɗi ba, suna ba wa abokan ciniki sauƙi 24/7 yayin da suke taimaka wa bankuna rage matsin lamba da inganta ingancin aiki.
Tashar bankinmu ta musamman kamar asusun buɗewa na CRM/ATM/Bank Kiosk an yi amfani da ita sosai a bankunan ƙasashe sama da 20, suna da CRM/ATM na banki ko aikin tashar banki na musamman, da fatan za a tuntuɓi ƙungiyar tallace-tallace yanzu.
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Da fatan za a cika fom ɗin da ke ƙasa don neman magana ko kuma neman ƙarin bayani game da mu. Da fatan za a yi cikakken bayani kamar yadda zai yiwu a cikin sakon ku, kuma zamu dawo wurinku da wuri-wuri tare da amsa. Mun shirya don fara aiki akan sabon aikinku, tuntuɓi mu yanzu don farawa.
ATM Mai Sake Amfani da Kuɗi Mai Yawa
Mahimman Sifofi & Ƙarfi
Yanayin Aikace-aikace
Kiosks na ODM tare da kayan aikin modular
Core Hardware
- Kwamfutar Masana'antu
- Tsarin aiki na Windows ko Android
- Allon taɓawa/Allo: 19'', 21.5'', 27', 32' ko sama da haka, allon taɓawa mai ƙarfin capacitive ko infrared
- Firinta: Ana iya zaɓar bugu na Laser ko Inkjet, Baƙi da Fari ko Launi
- Na'urar daukar hoto ta Barcode/QR don Biyan Kuɗin Wayar hannu
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Tsarin Manhajar Musamman
Manhajar da ke amfani da na'urorin ATM na Bulk Cash Recycler wani tsari ne mai inganci, wanda aka tsara don sarrafa ƙwarewar waɗannan na'urori na zamani - musamman aikin sake amfani da kuɗi na asali, sarrafa ma'amala mai yawa, da kuma aiki mai aminci. Ba kamar manhajar ATM ta gargajiya ba, wacce ke mai da hankali kan kwararar kuɗi ta hanya ɗaya, manhajar BCR ATM tana tsara tsarin tsarin kuɗi na rufewa yayin da take ba da damar ayyukan ci gaba.
Manyan Ƙarfin Manhajar Software
Sabuntawa da Kulawa da Manhaja
🚀 Kuna son tura ATM na BCR? Tuntube mu don samun mafita na musamman, zaɓuɓɓukan haya, ko yin oda mai yawa!
tambayoyin da ake yawan yi
1
Menene MOQ?
Kowanne adadi yayi daidai, Ƙarin adadi, Ƙarin farashi mai kyau. Za mu ba da rangwame ga abokan cinikinmu na yau da kullun. Ga sabbin abokan ciniki, ana iya yin shawarwari kan rangwame.
2
Zan iya keɓance samfurin?
Hakika eh.
3
Za ku iya sanya sunan kamfani na (tambaya) a kan waɗannan samfuran?
Eh, muna karɓar sabis na OEMODM, ba kawai tambarin ku ba har ma da launi, fakiti, da sauransu. Muna biyan kowace buƙata daga abokan cinikinmu matuƙar za mu iya.
4
Shin kayayyakinku sun haɗa da manhajar da aka haɗa?
Idan kayan aikin kiosk kawai kake buƙata, za mu samar maka da SDK na kayan aikin hardware don sauƙaƙe haɓaka software da haɗinka.
Idan kuna buƙatar mafita ta hardware + software, za mu iya tallafa muku. Da fatan za ku iya tuntuɓar mu.
Idan kuna buƙatar mafita ta hardware + software, za mu iya tallafa muku. Da fatan za ku iya tuntuɓar mu.
5
Tsawon lokacin samarwa nawa ne?
Bayan ka yi odar ka, za mu yi zane-zane da tsari. Sannan akwai aikin ƙarfe (yanka Laser, lanƙwasawa, walda, gogewa), launukan fenti, da haɗa kiosk da gwaji, marufi da jigilar kaya. A ƙarƙashin wannan tsarin aiki, kwanaki 30-35 na aiki daidai gwargwado ne.
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