Tashoshin Kuɗi na ATM da CRM na Kai da Kai

1. Bayanin Samfuri

Na'urorin ATM na Hongzhou Smart (Na'urar Biyan Kuɗi ta Atomatik) da CRM (Na'urar Sake Amfani da Kuɗi) sune tashoshin sarrafa kuɗi na zamani waɗanda Hongzhou Smart ta ƙirƙiro don bankuna, cibiyoyin kuɗi, da masana'antar dillalai. An gina su bisa ƙa'idodin tsaro, leƙen asiri, da inganci , waɗannan na'urori suna canza ma'amaloli na kuɗi na gargajiya ta hanyar da ba ta kan-kan-kan zuwa ƙwarewar sabis na kai-tsaye ta atomatik, awanni 24 a rana, da kuma awanni 7 a mako.

Babban bambanci tsakanin ATM da CRM yana cikin ikon sarrafa kuɗi:

CRM (Na'urar Sake Amfani da Kuɗi) ita ce sabuwar sigar ATM. Tana ba da damar sarrafa kuɗi ta hanyoyi biyu - masu amfani za su iya cire kuɗi da kuma ajiye kuɗi. Ana tabbatar da kuɗin da aka ajiye kuma ana adana shi a cikin amintaccen ma'ajiyar ajiya, kuma ana iya sake amfani da shi don cire kuɗi daga baya, wanda hakan ke rage yawan sake cikawa da hannu da kuma kuɗin aiki.

Ana iya amfani da waɗannan na'urori a rassan bankuna, cibiyoyin banki masu zaman kansu, manyan kantunan siyayya, cibiyoyin sufuri, da sauran wurare masu cunkoson jama'a, wanda hakan ke bai wa cibiyoyin kuɗi damar faɗaɗa tsarin biyan kuɗi a kan ƙaramin farashi.

Hongzhou Smart ta shafe sama da shekaru 20 tana gudanar da bincike da kuma kera kayayyakin more rayuwa , bayan ta samar da tashoshin samar da ayyukan yi na kai sama da 450,000 ga kasashe sama da 90 a duniya. Kamfanin yana da takaddun shaida na ISO9001, ISO13485, ISO14001, IATF16949 kuma an amince da shi a matsayin babban kamfanin fasaha na kasa na kasar Sin.

2. ATM vs. CRM - Teburin Kwatantawa

A matsayinsa na ci gaba na na'urar ATM, CRM yana inganta ingantaccen aikin kuɗi na kai tsaye tare da ikon "sarrafawa ta hanyar kuɗi biyu". Babban kayan aiki ne ga bankuna don rage matsin lamba da rage farashin sarrafa kuɗi.

3. Muhimman Sifofi

3.1 Cire Kuɗi daga ATM (ATM & CRM)

• Iyakar cire kuɗi ɗaya: RMB 2,000–5,000 (ya danganta da tsarin banki)

• Ana tallafawa rarrabawa da darajar RMB 100

• Yana goyan bayan cirewa ba tare da kati ba - masu amfani suna samar da lambar cirewa ta hanyar bankin wayar hannu kuma suna shigar da lambar + PIN a tashar

3.2 Kudin da aka ajiye (CRM-Example feature)

• Yana tallafawa ajiya ta hanyar kati da kuma ta hanyar katin (shigar da lambar asusun mai karɓa)

• Yana karɓar nau'ikan kuɗi: RMB 10, 20, 50, 100 (sabbin samfura)

• Iyakar ajiya ɗaya: takardun kuɗi 100–200 (kimanin RMB 10,000–20,000)

• Iyakar ajiyar kuɗi ta yau da kullun: yawanci RMB 50,000 (ya bambanta dangane da manufofin banki)

• Gano jabun ta atomatik da tabbatar da sahihancinsu; ana dawo da jabun bayanan da suka lalace ta atomatik

3.3 Sake Amfani da Kuɗi (CRM Core Advantage)

• Ana tabbatar da kuɗin da aka ajiye kuma ana adana su kai tsaye a cikin amintaccen ma'ajiyar ajiya

• Buƙatun cire kuɗi na gaba suna fifita kuɗin da aka sake yin amfani da su

• Yana rage yawan cika bankuna da kuma kuɗaɗen gudanar da kuɗi sosai

• Yana inganta yadda ake zagayawa cikin kuɗi kuma yana rage haɗarin jigilar kuɗi

3.4 Ayyukan da ba na Kuɗi ba

• Binciken Asusu : Binciken ma'auni, buga tarihin ma'amala (watanni 6-12 da suka gabata)

• Canja wurin kuɗi da aika kuɗi : Yana tallafawa canja wurin banki cikin gida da tsakanin bankuna; iyaka ɗaya tak ta ciniki yawanci RMB 50,000

• Biyan Kuɗi : Kuɗin amfani (wutar lantarki, ruwa, iskar gas), ƙarin kuɗi ta wayar hannu (yana buƙatar yin rijista kafin lokacin rajista)

• Gudanar da PIN : Gyaran PIN/Tambaya/Ma'amala, ɗaure lambar wayar hannu

3.5 Siffofin Ƙara Ƙima (Na Ci Gaban Samfura)

• Sabis na Gane Fuska : Gano rayuwa don tabbatar da asali; yana ba da damar ajiye kuɗi da cire kuɗi ba tare da katin ba

• Ajiye kuɗi a cikin Cek : Fasahar duba cek mai haɗaka; kuɗaɗen da aka ba da kuɗi a cikin kwanakin kasuwanci 1-3

• Ayyukan Kuɗin Ƙasashen Waje : Wasu samfuran filin jirgin sama ko na ƙasashen waje suna tallafawa USD, EUR, JPY, da sauran kuɗaɗen ƙasashen waje

4. Bayanan Fasaha

4.1 Tsarin Kayan Aiki na Core

4.2 Bayanan Jiki

4.3 Takaddun shaida

5. Tsarin Tsaro

Na'urorin ATM da CRM sun haɗa da tsarin kariyar tsaro mai matakai da yawa :

• Tsaron Tsarin : Chassis na ƙarfe mai ƙarfi, makullan hana haƙa rami, hinges masu hana haƙa rami; ya cika ƙa'idodin tsaro na kayan aikin kuɗi na UL291

• Tsarin Ƙararrawa Mai Hankali : Akwatin da ba ya toshewa, na'urori masu auna girgiza, na'urori masu auna hulɗar ƙofa; suna haifar da ƙararrawa mai ji/gani da sanarwa daga nesa idan aka gano wani abu mai ban mamaki.

• Tsaron Bayanai : Ɓoyewa daga ƙarshe zuwa ƙarshe don duk bayanan ma'amala; bayanan mai katin da aka sarrafa bisa ga ƙa'idodin PCI-DSS

• Rigakafin Zamba : An gina na'urar karanta katin hana zamba a ciki; gano abubuwa na ƙasashen waje na zaɓi

• Sa ido 24/7 : Yana tallafawa haɗin kai tare da dandamalin CCTV na ɓangare na uku da dandamalin sa ido na nesa

• Gwajin Tsufa : Kowace na'ura tana yin gwajin ƙonewa na awanni 72 kafin a kawo ta don yin kwaikwayon aikin gaske na awanni 24/7.

6. Yanayin Turawa

7. Keɓancewa & Ayyukan OEM/ODM

Hongzhou Smart tana ba da cikakkun ayyukan OEM da ODM don dandamalin ATM da CRM:

Hongzhou Smart tana da ƙarfin ƙera kayayyaki a tsaye : daga ƙera chassis na ƙarfe, samar da kebul na igiyoyi, haɗa kayan lantarki na PCBA zuwa haɗakar ƙarshe da gwajin tsufa - duk an kammala su a cikin gida ba tare da siyan kayan aiki na waje ba. Kamfanin yana gudanar da cikakken layin samar da kayan aiki na ƙarfe na zamani, gami da yanke laser, lanƙwasa Amada CNC, walda, da kuma haɗa hanyoyin.

8. Tabbatar da Kasuwa & Abokan Ciniki na Duniya

Kayayyakin Hongzhou Smart ATM/CRM sun sami amincewa daga manyan kamfanoni na duniya:

• Banki da Kuɗi : Bankin China, Bankin Ping An, Hana Financial Group, Bankin GRG

• Abokan Ciniki na Ƙasashen Duniya : Western Union, Vodafone Group, MTN, Lyft, GE Healthcare, Bühler Group, Changi Airport Group

• Nunin Duniya : An nuna shi a EuroShop 2026 (Düsseldorf, Jamus) da FEBRABAN TECH 2026 (São Paulo, Brazil), wanda ya jawo hankalin manyan cibiyoyin kuɗi na duniya