Mochini oa ho Sebelisa Chelete Hape (CRM)
Mochini oa ho Sebelisa Chelete Hape (CRM) ke sesebelisoa se tsoetseng pele sa lichelete sa ho itlhokomela se sebelisoang ke libanka ho kopanya lits'ebeletso tsa mantlha tsa chelete - ho kenyeletsoa le ho kenya chelete, ho ntša le ho sebelisa hape - ka mesebetsi e meng e seng ea chelete. Jwalo ka mofuta o ntlafalitsoeng oa li-ATM tsa setso (Mechini ea ho Lefisa ka Boiketsetso), li-CRM li ntlafatsa haholo katleho ea ts'ebetso ea chelete ea ho itlhokomela 'me li behiloe haholo makaleng a libanka, litsing tsa banka tsa ho itlhokomela, mabenkeleng a maholo le libakeng tsa lipalangoang ho fihlela litlhoko tsa bareki lihora tse 24 ka letsatsi, matsatsi a 7 ka letsatsi.
1. Mesebetsi ea Bohlokoa: Ka Nģ'ane ho Litšebeletso tsa Chelete tsa Motheo
Li-CRM li hlahella ka bokhoni ba tsona ba "ho sebetsana le chelete ka litsela tse peli" (ho beha le ho ntša chelete) le lits'ebeletso tse fapaneng, tse ka aroloang ka mesebetsi e amanang le chelete , mesebetsi e seng ea chelete , le likarolo tse ekelitsoeng boleng (mohlala, CRM Hongzhou Smart e sebeletsa 'maraka oa China Bank):
| Sehlopha sa Mesebetsi | Litšebeletso tse Ikhethang | Melao/Lintlha tse Tloaelehileng |
|---|
| Mesebetsi e Amanang le Chelete (Sehlohlolo) | 1. Ho Ntša Chelete | - Moeli oa ho ntša chelete letsatsi le letsatsi ka karete: HangataCNY 20,000 (libanka tse ling li lumella liphetoho ho CNY 50,000 ka banka ea selefouno). - Moeli oa ho ntša chelete hanngoe: CNY 2,000–5,000 (mohlala, ICBC: CNY 2,500 ka transaction; CCB: CNY 5,000 ka transaction), o lekanyelitsoe ho li-multiples tsa 100-yuan. |
| 2. Depositi ea Chelete | - E tšehetsa depositi e se nang karete (ka ho kenya nomoro ea ak'haonte ea moamoheli) kapa depositi e thehiloeng kareteng. - Lipalo tse amohetsoeng: CNY 10, 20, 50, 100 (mehlala ea khale e ka amohela CNY 100 feela). - Moedi wa depositi e le nngwe: dipampiri tsa tjhelete tse 100–200 (≈ CNY 10,000–20,000); moedi wa depositi ya letsatsi le letsatsi: Hangata CNY 50,000 (e fapana ho ya ka banka). - Mochini o netefatsa bonnete le botšepehi ba pampiri ea banka ka bohona; lipampiri tsa bohata kapa tse senyehileng lia haneloa. |
| 3. Ho Sebelisa Chelete Hape (bakeng sa mehlala e nolofalletsang ho sebelisa hape) | - Chelete e kentsweng (kamora netefatso) e bolokwa ka polokelong ya mochini mme e sebediswa hape bakeng sa ho ntsha tjhelete nakong e tlang. Sena se fokotsa kgafetsa ya ho tlatsa tjhelete ka letsoho ke basebetsi ba banka mme se ntlafatsa tshebediso ya tjhelete. |
| Mesebetsi e seng ea Chelete | 1. Lipatlisiso tsa Ak'haonte | Hlahloba tekanyo ea akhaonto le nalane ea litšebelisano (likhoeli tse 6-12 tse fetileng); lirasiti tsa litšebelisano li ka hatisoa. |
| 2. Phetisetso ea Letlole | - E tšehetsa phetisetso ea libanka le ea ka hare ho libanka. - Moeli oa phetisetso e le 'ngoe: Hangata CNY 50,000 (kamehla bakeng sa liteishene tsa ho itlhokomela; e ka eketsoa ka khaontara ea banka kapa banka ea selefouno). - Litefiso tsa phetisetso lipakeng tsa libanka li ka sebetsa (0.02%–0.5% ea chelete ea phetisetso, leha libanka tse ling li tlohela litefiso tsa banka ea mohala). |
| 3. Tsamaiso ea Ak'haonte | Fetola diphasewete tsa dipotso/ditransaction, tlama dinomoro tsa mohala wa thekeng, bulela/tima ditumello tsa ho iketsetsa tshebeletso. |
| 4. Tefo ea Bili | Lefa likoloto tsa motlakase (metsi, motlakase, khase), litefiso tsa mohala, kapa litefiso tsa thepa (ho hlokahala hore ho kenngoe tšebetsong tumellano ea pele ka k'haontara ea banka kapa sesebelisoa). |
| Likarolo tse Ekelitsoeng Boleng (Mehlala e Tsoetseng Pele) | 1. Tšebeletso ea ho se be le karete/ho lemoha sefahleho | - Ho ntša chelete ntle le karete : Hlahisa khoutu ea ho ntša chelete ka banka ea selefouno, ebe u kenya khoutu + phasewete ho CRM ho ntša chelete. - Ho lemoha sefahleho : Libanka tse ling (mohlala, ICBC, CMB) li fana ka li-deposit/li-withdrawal tsa ho hlahloba sefahleho—ha ho hlokahale karete; boitsebiso bo netefatsoa ka ho lemoha bophelo ho thibela bosholu. |
| 2. Tjheke Depositi | E kopanya theknoloji ea ho hlahloba cheke bakeng sa ho kenya licheke tsa phetisetso. Kamora ho hlahloba, banka e netefatsa cheke ka letsoho, 'me chelete e kenngoa ka har'a matsatsi a 1-3 a mosebetsi. |
| 3. Litšebeletso tsa Chelete ea Kantle ho Naha | Palo e nyane ea li-CRM (maema-fofaneng a machaba kapa makala a amanang le linaha tse ling) e tšehetsa li-depositi/li-withdrawal tsa chelete ea linaha tse ling (USD, EUR, JPY) (e hloka ak'haonte ea chelete ea linaha tse ling; meeli e fapana le RMB). |
2. Likarolo tsa Bohlokoa: Hardware e Entsoeng bakeng sa Phallo ea Chelete e Peli
Li-CRM li na le lisebelisoa tse rarahaneng ho feta li-ATM tsa setso, tse nang le likarolo tsa mantlha tse etselitsoeng litlhoko tsa depositi le tsa ho ntša:
(1) Mojule oa Ts'ebetso ea Chelete (Sehlohlolo)
- Setifikeiti sa Depositi le sa Banknote : Kamora hore chelete e kenngoe, setifikeiti se sebelisa li-sensor tsa mahlo le tsa makenete ho hlahloba boleng, bonnete le botšepehi. Linoto tsa bohata kapa tse senyehileng lia haneloa; lintlha tse nepahetseng li aroloa ka har'a li-vault tse ikhethileng tsa sehlopha.
- Sekoti sa ho Tlosa Chelete le Monehelo oa Chelete : Ha motho a fumana kopo ea ho ntša chelete, monehelo o ntša chelete ho tsoa polokelong e tsamaellanang, oa e bala le ho e hlophisa, ebe o e ntša ka sekoti sa ho ntša chelete. Haeba chelete e sa bokelloe ka metsotsoana e 30, e khutlisoa ka bo eona 'me e tlalehoa e le "chelete e feteletseng"—bareki ba ka ikopanya le banka ho khutlisetsa chelete akhaonteng ea bona.
- Li-Vault tsa ho Sebelisa Hape (bakeng sa mehlala ea ho sebelisa hape) : Boloka chelete e bolokiloeng e netefalitsoeng bakeng sa ho e sebelisa hape hang-hang ha ho ntšoa chelete, ho fokotsa ho tlatsa chelete ka letsoho.
(2) Netefatso ea Boitsebiso le Mojule oa Tšebelisano
- Sebali sa Karete : E bala likarete tsa magnetic stripe le likarete tsa EMV chip (likarete tsa IC). Likarete tsa chip li sireletsehile haholoanyane, kaha li thibela ho se utloisisehe ha tlhahisoleseling.
- Khamera ea ho Tseba Sefahleho (Mehlala ea ho Seka Sefahleho) : E sebelisa ho lemoha ho phela ho netefatsa boitsebahatso, ho thibela bolotsana ka linepe kapa livideo.
- Skrine ea ho ama le Pontšo : E fana ka sebopeho se bonolo ho se sebelisa (mehlala ea khale e sebelisa likonopo tsa 'mele) ho bonts'a likhetho tsa ts'ebeletso, bongata ba ho kenya, le ho netefatsa tlhahisoleseling. Hangata li-skrini li na le li-filter tse thibelang ho shebisisa ho sireletsa lekunutu.
- Keypad ea phasewete : E na le sekoahelo se thibelang ho taboha 'me e ka tšehetsa "libopeho tsa linotlolo tse sa reroang" (maemo a linotlolo a fetoha nako le nako) ho thibela bosholu ba phasewete.
(3) Mojule oa Rasiti le Tšireletso
- Printa ea Resiti : E hatisa lirisiti tsa transaction (ho kenyeletsoa nako, chelete, le linomoro tse 4 tsa ho qetela tsa nomoro ea ak'haonte). Bareki ba eletsoa ho boloka lirisiti bakeng sa poelano.
- E bolokehile : E boloka di-vault tsa tjhelete le di-module tsa taolo ya mantlha; e entswe ka thepa e thibelang ho tjhesa, e sa tjheng. E hokela morao ho banka ka nako ya sebele—alamo e a qalwa haeba ho fumanwa ho kenngwa ka kgapeletso.
- Khamera ea Tlhokomelo : E kentsoe ka holimo kapa ka lehlakoreng la mochini ho rekota ts'ebetso ea bareki, e thusa ho rarolla liqabang (mohlala, "chelete e sa kengoang ka mor'a ho kenya chelete" kapa "chelete e khutlisitsoeng").
(4) Mojule oa Puisano le Taolo
- PC ea Indasteri (IPC) : E sebetsa e le "boko" ba CRM, e tsamaisa OS e inehetseng ho hokahanya lisebelisoa (mohlolisi, moabi, printa) le ho hokela tsamaisong ea mantlha ea banka ka marang-rang a patiloeng. E hokahanya lintlha tsa ak'haonte ka nako ea sebele (mohlala, lintlafatso tsa balance, mekitlane ea lichelete).
3. Malebela a Tšebeliso: Polokeho le Bokgoni
(1) Bakeng sa Li-depositi tsa Chelete
- Netefatsa hore dipampiri tsa tjhelete ha di na mameno, matheba, kapa theipi—dipampiri tse senyehileng di ka hanelwa.
- Hlahloba nomoro ea ak'haonte ea moamoheli habeli (haholo-holo linomoro tse 4 tsa ho qetela) bakeng sa li-depositi tse se nang karete ho qoba ho fumana chelete e sa fetisetsoeng ka tsela e fosahetseng (ho fumana chelete e fetiselitsoeng ka tsela e fosahetseng ho hloka netefatso e rarahaneng ea banka).
- Haeba mochini o bontša hore "transaction e hlolehile" empa chelete e kgutlisitswe, o se ke wa tloha sesebedisweng . Ikopanye le tshebeletso ya bareki ya semmuso ya banka (nomoro ya mohala e ngotsweng ho CRM) hang-hang, o fane ka ID ya mochini le nako ya transaction. Ditjhelete di tla kgutlisetswa akhaonteng ya hao matsatsing a 1-3 a mosebetsi kamora netefatso.
(2) Bakeng sa ho ntsha tjhelete
- Sireletsa konopo ea konopo ka letsoho/'mele oa hau ha u kenya phasewete ho thibela ho nyarela kapa lik'hamera tse patiloeng.
- Bala chelete hang ka mor'a ho ntša chelete; netefatsa chelete pele u tsamaea (liqabang li thata ho li rarolla hang ha u tsoa mochineng).
- O se ke wa qobella sebaka sa ho ntsha tjhelete haeba tjhelete e kgutlisitswe—ikopanye le banka bakeng sa ho e sebetsana ka letsoho.
(3) Litlhokomelo tsa Tšireletso
- Ela hloko lintho tse sa tloaelehang: Haeba CRM e na le "li-keypad tse khomaretsoeng tse ling," "lik'hamera tse koetsoeng," kapa "lintho tse ling tse ka ntle ho karete" (mohlala, lisebelisoa tse sa sebeliseng karete), khaotsa ho e sebelisa 'me u tlalehe bankeng.
- Hana "thuso ea motho eo u sa mo tsebeng": Haeba u kopana le mathata a ts'ebetso, ikopanye le tšebeletso ea bareki ea semmuso ea banka kapa u etele lekala le haufi - le ka mohla u se ke ua lumella batho bao u sa ba tsebeng ho u thusa.
- Sireletsa tlhahisoleseding ea akhaonto: Le ka mohla u se ke ua arolelana phasewete ea hau; u se ke ua tobetsa "lihokelo tse sa tloaelehang" ho sebopeho sa CRM (baqhekelli ba ka 'na ba senya sebopeho ho utsoa data).
4. CRM khahlanong le Li-ATM tsa Setso le Likhaontara tsa Libanka
Li-CRM li koala sekheo pakeng tsa li-ATM tsa setso (tse sebelisoang feela ho ntša chelete) le lik'haontare tsa banka (tse fanang ka litšebeletso tse felletseng empa li nka nako e telele), li fana ka tekano ea boiketlo le ts'ebetso:
| Tekanyo ea Papiso | Mochini oa ho Sebelisa Chelete Hape (CRM) | ATM ea setso | K'haontara ea Banka |
|---|
| Mesebetsi ea Bohlokoa | Depositi, ho ntša chelete, phetisetso, tefo ea bili (e nang le mesebetsi e mengata) | Ho hula, ho botsa, ho fetisetsa (ha ho na depositi) | Litšebeletso tse felletseng (depositi/ho ntša chelete, ho bula liakhaonto, likalimo, tsamaiso ea leruo) |
| Meeli ea Chelete | Depositi: ≤ CNY 50,000/ka letsatsi; Ho ntsha tjhelete: ≤ CNY 20,000/ka letsatsi (e ka fetolwa) | Ho ntša chelete: ≤ CNY 20,000/ka letsatsi (ha ho na depositi) | Ha ho na moeli o ka holimo (ho ntša chelete e ngata ho hloka peeletso ea letsatsi le le leng esale pele) |
| Lihora tsa Tšebeletso | 24/7 (litsi tsa ho itlhokomela/makala a kantle) | 24/7 | Lihora tsa banka (hangata 9:00–17:00) |
| Lebelo la ho Sebetsa | Ka potlako (metsotso e 1–3 ka transaction) | Kapele (≤motsotso o le mong bakeng sa ho ntša chelete) | Butle (metsotso e 5–10 ka transaction; ho ema moleng) |
| Maemo a Loketseng | Litšebelisano tsa chelete tse nyane ho isa ho tse mahareng letsatsi le letsatsi, litefo tsa bili | Ho ntša chelete ka tšohanyetso | Litšebelisano tse kholo tsa chelete, lits'ebeletso tse rarahaneng (mohlala, ho bula liakhaonto) |
Ka bokhutšoanyane, Mechini ea ho Sebelisa Chelete Hape ke lejoe la motheo la libanka tsa sejoale-joale tse itlhokomelang. Ka ho kopanya litšebeletso tsa depositi, ho ntša chelete le tse seng tsa chelete, li fa bareki boiketlo ba 24/7 ha ka nako e ts'oanang li thusa libanka ho fokotsa khatello khahlanong le khatello le ho ntlafatsa bokhoni ba ts'ebetso.
Seteishene sa rona sa banka se ikhethileng joalo ka CRM/ATM/Bank open account Kiosk se sebelisitsoe haholo libanka tse fetang 20 tsa linaha, re na le CRM/ATM ea banka kapa projeke ea seteishene sa banka se ikhethileng, ka kopo ikutloe u lokolohile ho ikopanya le sehlopha sa rona sa thekiso hona joale.