Muchina weKudzokorodza Mari (CRM)
Muchina weCash Recycling Machine (CRM) chishandiso chemari chemhando yepamusoro chinoshandiswa nemabhangi kubatanidza mabasa emari makuru—kusanganisira kuisa mari, kubvisa, uye kudzokorodza—nemamwe mabasa asiri emari. Semhando yakagadziridzwa yeATM dzechinyakare (Automatic Teller Machines), maCRM anowedzera kushanda zvakanaka kwemabasa emari ekuzvishandira uye anowanikwa munzvimbo dzakawanda mumabhangi, munzvimbo dzekubhengi dzinozvishandira, munzvimbo dzezvitoro, uye nzvimbo dzekutakura kuti zvisangane nezvinodiwa nevatengi maawa makumi maviri nemana pazuva, mazuva manomwe pasvondo.
1. Mabasa Makuru: Kupfuura Masevhisi Emari Ekutanga
MaCRM anozivikanwa nekugona kwawo "kugadzirisa mari nenzira mbiri" (kuisa mari nekubvisa mari) uye mabasa akasiyana-siyana, anogona kuiswa muzvikamu zvine chekuita nemari , mabasa asiri emari , uye zvinhu zvinowedzera kukosha (semuenzaniso CRM Hongzhou Smart inoshanda kumusika weChina Bank):
| Chikamu Chebasa | Mabasa Akasiyana | Mitemo/Zvinyorwa Zvakajairika |
|---|
| Mabasa Ane Chekuita Nemari (Core) | 1. Kubvisa Mari | - Muganho wekubvisa mari pazuva pakadhi rega rega: KazhinjiCNY 20,000 (mamwe mabhangi anobvumidza kugadziriswa kwemari kusvika ku50,000 CNY kuburikidza ne mobile banking). - Muganho wekubvisa mari kamwe chete: CNY 2,000–5,000 (semuenzaniso, ICBC: CNY 2,500 pakutengeserana; CCB: CNY 5,000 pakutengeserana), unogumira pa100-yuan multiples. |
| 2. Dhipoziti yeMari | - Inotsigira mari yekuisa mari isina makadhi (nekuisa nhamba yeakaundi yemugamuchiri) kana mari yekuisa mari uchishandisa kadhi. - Madhigirii anogamuchirwa: CNY 10, 20, 50, 100 (mhando dzekare dzinogona kugamuchira CNY 100 chete). - Muganho wekuisa mari imwe chete: 100–200 mari yepepa (≈ CNY 10,000–20,000); muganho wekuisa mari pazuva: Kazhinji CNY 50,000 (inosiyana zvichienderana nebhangi). - Muchina uyu unoongorora woga kuti mari yacho ndeyechokwadi uye kuti yakanyorwa sei; mari yekunyepera kana kuti yakakuvara inorambwa. |
| 3. Kudzokorodza Mari (yemamodheru anodzokorodza) | - Mari yakachengetwa (mushure mekusimbiswa) inochengetwa mudura remuchina uye inoshandiswazve pakudzosa mari mune ramangwana. Izvi zvinoderedza kuwanda kwemari inodzoserwa nemaoko nevashandi vebhangi uye zvinovandudza kushandiswa kwemari. |
| Mabasa Asiri Emari | 1. Kubvunza Nezveakaundi | Tarisa mari yasara muakaundi uye nhoroondo yekutengeserana (mwedzi 6-12 yapfuura); marisiti ekutengeserana anogona kudhindwa. |
| 2. Kuendeswa Kwemari | - Inotsigira kutamiswa kwemari pakati pemabhangi nemukati memabhangi. - Muganho wekutumira mari kamwe chete: Kazhinji CNY 50,000 (zvinowanzo shandiswa pakuzvishandira; inogona kuwedzerwa kuburikidza nebhangi kana mobile banking). - Mari yekutumira mari pakati pemabhangi inogona kushanda (0.02%–0.5% yemari yekutumira mari, kunyange hazvo mamwe mabhangi asingabhadharise mari yekutumira mari pamafoni). |
| 3. Kutarisira Akaundi | Chinja mapassword ekutsvaga/kutengeserana, sunga nhamba dzefoni, bvumira/dzima mvumo dzekuzvishandira. |
| 4. Kubhadhara Bhiri | Bhadhara mabhiri emagetsi (mvura, magetsi, gasi), mabhiri efoni, kana mari yezvivakwa (zvinoda kuti chibvumirano chitange chatanga kushanda kuburikidza nebhangi kana app). |
| Zvinhu Zvinowedzera Kukosha (MaModheru Epamusoro) | 1. Basa reKuziva Chiso Pasina Makadhi | - Kubvisa mari pasina kadhi : Gadzira kodhi yekuburitsa mari kuburikidza nefoni yekubhengi, wobva waisa kodhi + password paCRM kuti ubvise mari. - Kuziva chiso : Mamwe mabhangi (semuenzaniso, ICBC, CMB) anopa mari yekuisa/kubvisa zvinhu kumeso—hapana kadhi rinodiwa; hunhu hwemunhu hunosimbiswa kuburikidza nekuona kuti munhu ari mupenyu here kudzivirira hutsotsi. |
| 2. Dhipoziti yeCheki | Inobatanidza tekinoroji yekuskena cheki yekuisa macheki ekutumira mari. Mushure mekuskena, bhangi rinoongorora cheki nemaoko, mari yacho ichiiswa mukati memazuva 1-3 ekushanda. |
| 3. Mabasa eMari Dzekune Dzimwe Nyika | Nhamba diki yeCRM (panhandare dzendege dzepasi rose kana mapazi ane chekuita nekunze kwenyika) inotsigira mari yekune dzimwe nyika (USD, EUR, JPY) inoiswa/inobviswa (inoda account yemari yekune dzimwe nyika; miganhu yakasiyana neRMB). |
2. Zvikamu Zvikuru: Hardware Yakagadzirirwa Kuyerera Kwemari Dual
MaCRM ane hardware yakaoma kupfuura maATM echinyakare, ane zvikamu zvikuru zvakagadzirirwa zvese zvinodiwa zvekuisa uye kubvisa:
(1) Module Yekugadzirisa Mari (Musimboti)
- Mucherechedzi weDhipoziti & Banknote : Mushure mekunge mari yaiswa, mucherechedzi anoshandisa masensa ekuona nemagnetic kuti aone kuti mari yacho ndeyechokwadi here, uye kuti ndeyechokwadi here. Manotsi enhema kana akakuvara anorambwa; manotsi anoshanda anorongwa muzvikamu zvakasiyana-siyana.
- Muchina wekubvisa mari neCash Dispenser : Kana wagamuchira chikumbiro chekubvisa mari, muchina wekubvisa mari anotora mari kubva muvault inoenderana, oiverenga nekuironga, obva aiendesa kuburikidza newallet yekuburitsa mari. Kana mari ikasatorwa mukati memasekonzi makumi matatu, inodzoserwa yega uye inonyorwa se "mari yakawandisa" - vatengi vanogona kubata bhangi kuti mari idzoserwe kuaccount yavo.
- Mavault ekudzokorodza (emhando dzekudzokorodza) : Chengeta mari yakasimbiswa yakaiswa mubhangi kuti uishandisezve ipapo ipapo pakuburitsa mari, zvichideredza kudzokororwa kwemari nemaoko.
(2) Kusimbiswa kweKuzivikanwa & Kudyidzana Module
- Kadhi Rekuverenga : Rinoverenga makadhi ane mitsetse yemagineti nemakadhi eEMV chip (makadhi eIC). Makadhi echip akachengeteka zvakanyanya, sezvo anodzivirira ruzivo rwakasiyana.
- Kamera Yokuziva Chiso (MaModheru Ekuongorora Chiso) : Inoshandisa kuona hupenyu hwemunhu kuti ione kuti ndiani, ichidzivirira hutsotsi kuburikidza nemifananidzo kana mavhidhiyo.
- Touchscreen & Display : Inopa interface iri nyore kushandisa (mhando dzekare dzinoshandisa mabhatani chaiwo) kuratidza sarudzo dzebasa, huwandu hwekuisa, uye kusimbisa ruzivo. Mascreen anowanzova nemafirita anodzivirira kupenya kuti adzivirire zvakavanzika.
- Keypad yePassword : Ine chifukidziro chinodzivirira kupenya uye inogona kutsigira "magadzirirwo emakiyi asina kurongeka" (nzvimbo dzemakiyi dzinochinja nguva imwe neimwe) kudzivirira kubiwa kwemakiyi epassword.
(3) Risiti & Chengetedzo Module
- Printa yeRisiti : Inodhinda marisiti ekutengeserana (kusanganisira nguva, huwandu, uye manhamba mana ekupedzisira enhamba yeakaundi). Vatengi vanokurudzirwa kuchengeta marisiti kuti vagadzirise.
- Yakachengeteka : Inochengetedza nzvimbo dzekuchengetedza mari uye mamodule ekudzora epakati; yakagadzirwa nezvinhu zvinodzivirira kupisa, zvisingatsvi. Inobatanidza nebhengi remusana munguva chaiyo—alamu inorwiswa kana vanhu vakawanikwa vachimanikidza kupinda.
- Kamera yekutarisa : Yakaiswa pamusoro kana parutivi pemuchina kuti inyore mashandiro evatengi, zvichibatsira mukugadzirisa gakava (semuenzaniso, "mari isingapihwe mari mushure mekuiswa mubhangi" kana "mari yakadzoserwa").
(4) Module yekutaurirana nekudzora
- Computer yeIndasitiri (IPC) : Inoshanda se "pfungwa" yeCRM, ichimhanyisa OS yakatsaurirwa kubatanidza hardware (verifier, dispenser, printer) uye kubatana nesystem huru yebhangi kuburikidza nenetwork dzakavharidzirwa. Inobatanidza data reakaundi nenguva chaiyo (semuenzaniso, kugadzirisa mari, makiredhiti emari).
3. Mazano Ekushandisa: Kuchengetedzeka & Kushanda Nesimba
(1) Yemari Inoiswa Mumadhipoziti
- Iva nechokwadi chekuti mari yebhangi haina mapete, mavara, kana tepi—mari yepepa yakakuvara inogona kurambwa.
- Tarisa kaviri nhamba yeakaundi yemugamuchiri (kunyanya manhamba mana ekupedzisira) kuti uone kana paine mari isina kuiswa nemakadhi kuti udzivise mari yakatorwa zvisirizvo (kudzosa mari yakatorwa zvisirizvo kunoda kuongororwa kwakaoma nebhangi).
- Kana muchina ukaratidza kuti "kutengeserana kwakundikana" asi mari yadzoserwa, usabva pamudziyo . Bata sevhisi yepamutemo yevatengi yebhangi (nhamba yefoni yakaiswa paCRM) nekukasika, uchipa ID yemuchina nenguva yekutengeserana. Mari ichadzoserwa kuaccount yako mukati memazuva 1-3 ekushanda mushure mekusimbiswa.
(2) Yekubvisa Mari
- Vhara keypad neruoko/muviri wako paunonyora password kudzivirira kudongorera kana makamera akavanzwa.
- Verenga mari pakarepo mushure mekubvisa; simbisa huwandu hwemari usati waenda (makakatanwa akaoma kugadzirisa kana wabva pamuchina).
- Usamanikidza kubvisa mari kana mari ikadzoserwa—taura nebhangi kuti rigadziriswe nemaoko.
(3) Kudzivirira Kuchengetedzeka
- Chenjererai zvinhu zvisina kujairika: Kana CRM iine "makiyibhodhi akabatanidzwa," "makamera akavharika," kana "zvinhu zvekunze zviri mumakadhi" (semuenzaniso, zvishandiso zvinoshandisa skimming), rega kuishandisa wozvizivisa kubhangi.
- Ramba "rubatsiro rwemutorwa": Kana ukasangana nematambudziko ekushanda, taura nebazi repamutemo revatengi rebhangi kana kushanyira bazi riri pedyo—usambobvumira vatorwa kuti vakubatsire.
- Dzivirira ruzivo rweakaundi: Usambofa wakagovana password yako; usadzvanya "zvinobatanidza zvisingazivikanwe" paCRM interface (vanyengeri vanogona kukanganisa interface kuti vaba data).
4. CRM vs. MaATM Echinyakare & Mabhangi Akaunzirwa
MaCRM anobatsira pakugadzirisa musiyano uripo pakati pemaATM echinyakare (anobvisa mari chete) nemakaunda ebhangi (anoshanda zvizere asi anotora nguva), zvichipa mukana wekuita zvinhu zviri nyore uye zvinoshanda:
| Kuenzanisa | Muchina weKudzokorodza Mari (CRM) | ATM yechinyakare | Kaunda yeBhangi |
|---|
| Mabasa Epakati | Dhipoziti, kubvisa, kutamisa, kubhadhara bhiri (zvine mabasa akawanda) | Kubvisa mari, kubvunza, kuchinjisa (hapana dhipoziti) | Mabasa akazara (kuisa mari muakaundi, kuvhura maakaundi, zvikwereti, manejimendi yehupfumi) |
| Miganhu Yemari | Dhipoziti: ≤ CNY 50,000/zuva; Kubvisa: ≤ CNY 20,000/zuva (inogadziriswa) | Kubvisa mari: ≤ CNY 20,000/zuva (hapana dhipoziti) | Hapana muganho wepamusoro (kubvisa mari yakawanda kunoda kubhukingirwa pachine zuva rimwe) |
| Maawa Ebasa | 24/7 (nzvimbo dzekuzvishandira/matavi ekunze) | 24/7 | Maawa ekubhadhara (kazhinji 9:00–17:00) |
| Kukurumidza Kugadzirisa | Kukurumidza (maminitsi 1–3 pakutengeserana kwega kwega) | Kurumidza (≤1 miniti yekubvisa mari) | Zvishoma nezvishoma (maminitsi mashanu kusvika gumi pakutengeserana kwega kwega; kumirira mumutsetse) |
| Mamiriro Akanaka Ezvinhu | Kutengeserana mari diki kusvika pakati nepakati kwezuva nezuva, kubhadhara mabhiri | Kubvisa mari nekukurumidza | Kutengeserana kwemari yakawanda, mabasa akaomarara (semuenzaniso, kuvhura maakaundi) |
Muchidimbu, Michina yeKudzokorodza Mari (Cash Recycling Machines) ibasa guru remazuva ano rekuzvishandira. Nekubatanidza mabasa ekuisa mari mubhangi, kubvisa mari, uye asiri ekubhadhara mari, vanopa vatengi mukana wekushanda maawa makumi maviri nemana pazuva, mazuva manomwe pasvondo, ukuwo vachibatsira mabhangi kuderedza kumanikidzwa uye kuvandudza mashandiro avo.
Nzvimbo yedu yekuchengetera mari yebhangi yakagadzirwa nemaoko yakaita seCRM/ATM/Bank open account Kiosk yave ichishandiswa zvakanyanya munyika dzinopfuura makumi maviri, ine CRM/ATM yebhangi kana purojekiti yenzvimbo yekuchengetera mari yebhangi yakagadzirwa nemaoko, ndapota taurai nechikwata chedu chekutengesa izvozvi.