I-ATM kunye ne-CRM Idiphozithi yemali kunye neeTerminali zokuRhoxisa
1. Isishwankathelo seMveliso
I -Hongzhou Smart ATM (Automated Teller Machine) kunye ne-CRM (Cash Recycling Machine) zizikhululo zolawulo lwemali ezizisebenzelayo eziphuhliswe yiHongzhou Smart kwiibhanki, amaziko emali, kunye noshishino lokuthengisa. Zakhelwe kwimigaqo ephambili yokhuseleko , ubukrelekrele, kunye nokusebenza kakuhle , ezi zixhobo ziguqula ukuthengiselana kwemali okuqhelekileyo ngaphandle kwekhawuntara kube ngamava okuzenzela azenzekelayo, iiyure ezingama-24 ngosuku, iintsuku ezisixhenxe ngeveki.
Umahluko ophambili phakathi kwe-ATM kunye ne-CRM uxhomekeke kubuchule babo bokuphatha imali:
| Uphawu | ATM | CRM |
|---|---|---|
| Umsebenzi ongundoqo | Ukukhupha imali kuphela | Ukukhupha imali + idiphozithi yemali + ukuphinda kusetyenziswe imali |
| Ukuhamba KWEMALI | Indlela enye (ukukhupha) | Iindlela ezimbini (ukukhupha kunye nokufaka imali) |
| Ukuphinda kusetyenziswe imali | Ayixhaswanga | Imali exhaswayo - ediphozithiweyo iphinda isetyenziswe ekutsaleni imali |
I-CRM (uMatshini wokuRisayikilisha imali) yinguqulelo ephucukileyo ye-ATM. Ivumela ukucutshungulwa kwemali ngeendlela ezimbini - abasebenzisi banokutsala kwaye bafake imali. Imali efakiweyo iyaqinisekiswa kwaye igcinwe kwindawo ekhuselekileyo, kwaye ingasetyenziselwa ukurhoxiswa kwemali okulandelayo, nto leyo enciphisa kakhulu ukuphindaphindwa kwemali ngesandla kunye neendleko zokusebenza.
Ezi zixhobo zingafakwa kumasebe ebhanki, kwiindawo zebhanki ezizisebenzelayo, kwiindawo zokuthenga ezikumgangatho ophezulu, kwiindawo zothutho, nakwezinye iindawo ezinabantu abaninzi, nto leyo evumela amaziko emali ukuba andise ukugubungela inkonzo yemali ngexabiso eliphantsi lokusebenza.
I-Hongzhou Smart izisa iminyaka engaphezu kwama-20 yobuchwephesha bophando nophuhliso lwezixhobo zombane kunye nokuvelisa izixhobo zombane , emva kokuba inikezele ngezixhobo zombane ezingaphezu kwama-450,000 kumazwe angaphezu kwama-90 kwihlabathi liphela. Le nkampani ineziqinisekiso ze-ISO9001, ISO13485, ISO14001, IATF16949 kwaye iqatshelwa njengeShishini leSizwe laseTshayina eliPhezulu lobuchwephesha.
2. Itheyibhile yokuthelekisa i-ATM vs. CRM
| Umlinganiselo wokuthelekisa | I-ATM yesiqhelo | I-CRM (uMatshini wokuRisayikilisha imali) |
|---|---|---|
| Imisebenzi Engundoqo | Ukurhoxiswa, uphando, ukudluliselwa | Ukurhoxisa, idiphozithi, ukudluliselwa, intlawulo yebhili (imisebenzi emininzi) |
| Ukucutshungulwa kwemali | Ukusasazwa kwendlela enye | Idiphozithi yeendlela ezimbini + ukurhoxisa + ukuphinda kusetyenziswe imali |
| Imida yemali (Enokulungiswa) | Ukurhoxiswa kwemali: ≤ RMB 20,000/ngosuku | Idiphozithi: ≤ RMB 50,000/ngosuku; Ukurhoxiswa: ≤ RMB 20,000/ngosuku |
| Amaxesha Eenkonzo | 24/7 | 24/7 |
| Isantya sokuSebenza | Ukukhawuleza (≤ umzuzu o-1/intengiselwano) | Ngokukhawuleza (1–3 min/intengiselwano) |
| Amatyala Okusetyenziswa Afanelekileyo | Ukutsalwa kwemali ngexesha likaxakeka | Iintengiselwano zemali ezincinci ukuya kweziphakathi zemihla ngemihla, iintlawulo zeebhili |
Njengenguqulelo ephucukileyo ye-ATM, i-CRM iphucula kakhulu ukusebenza kakuhle kwemali ozisebenzelayo ngekhono layo "lokucubungula imali ngeendlela ezimbini". Sisixhobo esiphambili seebhanki sokunciphisa uxinzelelo lokuchasana nokunciphisa iindleko zolawulo lwemali.
3. Iimpawu eziphambili
3.1 Ukutsalwa kwemali (i-ATM kunye ne-CRM)
Umda wokurhoxisa imali kube kanye: RMB 2,000–5,000 (kuxhomekeke kwimo yebhanki)
Ixhasa ukunikezelwa kwe-RMB 100 denomination
Ixhasa ukurhoxiswa kwemali ngaphandle kwekhadi – abasebenzisi benza ikhowudi yokurhoxiswa kwemali ngebhanki yeselula baze bafake ikhowudi kunye ne-PIN kwisiphelo sendlela
3.2 Idiphozithi yemali (Uphawu olukhethekileyo lwe-CRM)
Ixhasa idiphozithi esekwe kwikhadi kunye nengenakhadi (faka inombolo yeakhawunti yomamkeli)
Yamkela amanani: RMB 10, 20, 50, 100 (iimodeli ezintsha)
Umda wediphozithi enye: 100–200 iimali zamaphepha (malunga ne-RMB 10,000–20,000)
Umda wediphozithi eqokelelweyo yemihla ngemihla: ngesiqhelo yi-RMB 50,000 (iyahluka ngokwepolisi yebhanki)
Ukufunyanwa ngokuzenzekelayo kobunyani bomgunyathi kunye nokuqinisekiswa kobunyani; amanqaku obuxoki okanye onakeleyo abuyiselwa ngokuzenzekelayo
3.3 Ukuphinda usebenzise imali (i-CRM Core Advantage)
Imali efakiweyo iyaqinisekiswa kwaye igcinwe ngqo kwindawo ekhuselekileyo yokugcina impahla
Izicelo zokurhoxisa ezilandelayo zibeka phambili imali esetyenzisiweyo
Kunciphisa kakhulu ukuphindaphindwa kwemali ebhankini kunye neendleko zolawulo lwemali
Yenza kube lula ukujikeleza kwemali kwaye kunciphisa iingozi zokuthuthwa kwemali
3.4 Imisebenzi Engeyoyemali
Uphando lweAkhawunti : Uphando lwebhalansi, ukuprintwa kwembali yentengiselwano (iinyanga ezi-6 ukuya kwezi-12 ezidlulileyo)
Ukudluliselwa kunye nokuThunyelwa kwemali : Ixhasa ukudluliselwa kwemali ngaphakathi kweebhanki kunye naphakathi kweebhanki; umda wentengiselwano enye uhlala u-RMB 50,000
Intlawulo yeBhili : Iibhili zeenkonzo zikagesi (umbane, amanzi, igesi), ukongeza iifowuni eziphathwayo (kufuneka ubhalise kwangaphambili)
Ulawulo lwe-PIN : Utshintsho lwe-PIN yophando/yokuthengiselana, ukubopha inombolo yeselula
3.5 Iimpawu ezongeziweyo (Iimodeli eziPhambili)
Inkonzo yokuQaphela Ubuso : Ukuchonga ubukho bobomi ukuze kuqinisekiswe ubuwena; kwenza ukuba imali idiphozithwe kwaye itsalwe ngaphandle kwekhadi
Idiphozithi yetshekhi : Itekhnoloji yokuskena itshekhi edibeneyo; imali ifakwa kwiintsuku ezi-1-3 zomsebenzi
Iinkonzo zemali zangaphandle : Ezinye iimodeli zesikhululo seenqwelo-moya okanye indawo yamazwe ngamazwe zixhasa i-USD, i-EUR, i-JPY, kunye nezinye iimali zangaphandle
4. Iinkcukacha zobugcisa
4.1 Uqwalaselo lweHardware oluPhambili
| Icandelo | Inkcazo |
|---|---|
| Imodyuli yoLawulo lweMali (engundoqo) | Isithuba sediphozithi + isiqinisekisi sebhili (izinzwa ze-optical/magnetic zokuqinisekisa ubunyani kunye nokuqinisekiswa kwexabiso), isithuba sokukhupha, igumbi lokubuyisela izinto kwimo yazo |
| Imodyuli yoQinisekiso loBuwena | Isifundi sekhadi se-EMV chip/magnetic stripe, ikhamera yokuqaphela ubuso (ukhetho), iphedi yePIN ekhuselweyo yabucala (ikhaka elichasene nokukroba kunye noyilo lwesitshixo olungacwangciswanga) |
| Imodyuli yoMdibaniso woMsebenzisi | Isikrini sokuchukumisa esisemgangathweni wezoshishino (ii-intshi eziyi-19–27) esinesihluzo sobumfihlo sokukhusela idatha |
| I-Vault ekhuselekileyo | Isiqinisekiso sokhuseleko se-UL291 Level 1; izixhobo ezingaboliyo, ezingatshiyo; unxibelelwano lwangempela ne-bank backend |
| Imodyuli yokujonga | Iikhamera zokujonga eziphezulu/ecaleni zirekhoda iintengiselwano; zinceda ekusombululeni iingxabano |
| Unxibelelwano kunye noLawulo | Ikhompyutha yoShishino (i-IPC) enenkqubo yokusebenza ezinikeleyo; ukuvumelanisa ngexesha langempela neenkqubo eziphambili zebhanki ngenethiwekhi efihliweyo |
4.2 Iinkcukacha Zomzimba
| Ipharamitha | Inkcazo |
|---|---|
| Ubukhulu | Malunga ne-59 × 52 × 186 cm (W×D×H), inokwenziwa ngokwezifiso |
| Ubunzima | Malunga ne-350 kg (iyahluka ngokwesimo) |
| Izinto eziphathekayo | I-chassis eqinisiweyo yentsimbi eqengqelekayo ebandayo eyi-1.5–2.0mm; i-anti-rust kunye ne-anti-dust coating |
| Umgangatho woKhuseleko | Isiqinisekiso somgangatho wokhuseleko lwezixhobo zemali ze-UL291 |
4.3 Iziqinisekiso
| Isiqinisekiso | Umgangatho |
|---|---|
| ISO9001 | Inkqubo yoLawulo loMgangatho |
| ISO13485 | Ulawulo loMgangatho weZixhobo zonyango |
| ISO14001 | Ulawulo lweNdalo |
| IATF16949 | Ulawulo loMgangatho weeMoto (ukuthembeka kokwenziwa) |
| UL | Isiqinisekiso soKhuseleko lweMveliso |
5. Uyilo loKhuseleko
Izixhobo ze-ATM kunye ne-CRM ziquka isakhelo sokhuseleko olunemigangatho emininzi :
Ukhuseleko lweSakhiwo : Itshasi yentsimbi eqinisiweyo, izitshixo ezichasene nokugrumba, iihinge ezichasene nokugrumba; ihlangabezana nemigangatho yokhuseleko lwezixhobo zemali ze-UL291
Inkqubo yeAlarm ekrelekrele : Ibhokisi engaphazanyiswa, ii-vibration sensors, ii-cango contact sensors; ivuselela ii-alamu ezivakalayo/ezibonakalayo kunye nezaziso ezikude xa kubonwa into engaqhelekanga
Ukhuseleko lweDatha : Ukubethela idatha yonke yentengiselwano; ulwazi lomnini-khadi lucutshungulwa ngokuhambelana nemigangatho ye-PCI-DSS
Ukuthintela ubuQhetseba : Isifundi sekhadi esichasene nokuskim esakhelwe ngaphakathi; ukufunyanwa kwezinto zangaphandle onokukhetha kuzo
Ukujongwa imini nobusuku : Ixhasa ukuhlanganiswa kweCCTV yomntu wesithathu kunye namaqonga okujonga akude
Uvavanyo lokwaluphala : Zonke izixhobo zivavanyelwa ukutsha iiyure ezingama-72 ngaphambi kokuba zifike ukuze zilinganise ukusebenza kwehlabathi lokwenyani iiyure ezingama-24/7
6. Iimeko zokusasazwa
| Imeko | Umgangatho wokuma |
|---|---|
| Amasebe eBhanki / Amaziko eBhanki azisebenzela ngokwawo | Inciphisa uxinzelelo oluchaseneyo; inika inkonzo ende imini nobusuku; inciphisa iindleko zokusebenza |
| Iivenkile ezinkulu zokuthenga | Ibonelela ngeenkonzo zokufaka imali kunye nokurhoxisa imali ezilula kubathengisi nabathengi |
| Iindawo Zothutho (Izikhululo Zeenqwelo-moya / Izikhululo Zoololiwe) | Inceda abahambi bezoshishino kunye nokuzonwabisa; ibonelela ngeenkonzo zemali ezikhawulezileyo kunye nemali yangaphandle |
| Iihotele / Iindawo zoKhenketho | Iyahlangabezana neemfuno zemali zabakhenkethi; iphucula amava abathengi |
| Iitsheyini zoThengiso | Ibonelela ngee-terminals zolawulo lwemali kubathengisi; inciphisa umngcipheko wokuqokelelwa kwemali |
7. Ukwenziwa ngokwezifiso kunye neenkonzo ze-OEM/ODM
I-Hongzhou Smart ibonelela ngeenkonzo ezipheleleyo ze-OEM kunye ne-ODM kwiiplatifomu ze-ATM kunye ne-CRM:
| Indawo yokwenza ngokwezifiso | Iinketho Ezifumanekayo |
|---|---|
| Uyilo lwezixhobo | Ukugqitywa kwangaphandle, uphawu/iilogo, imibala, ukwenziwa ngokwezifiso kwezinto ezifunekayo |
| Ukuphathwa Kwemali | Umthamo wekhasethi, ubume bexabiso, imida yediphozithi/yokukhupha imali |
| Ujongano lweSoftware | Uyilo lwe-UI, imisebenzi yentengiselwano, inkxaso yeelwimi ezininzi |
| Iimodyuli zomsebenzi | Ukuqaphela ubuso, i-biometrics yeminwe, ukuskena itshekhi, iinkonzo zemali zangaphandle, njl. |
| Ukuthotyelwa kweMithetho | Yenza ngokwezifiso iimpawu ze-KYC/AML, ingxelo, kunye nobumfihlo bedatha kwimithetho yendawo |
I-Hongzhou Smart igcina izakhono zokuvelisa ezidityaniswe ngokuthe nkqo : ukusuka ekwenziweni kwetshasi yesinyithi, ukuveliswa kweentambo zekhebula, ukuhlanganiswa kwe-elektroniki kwe-PCBA ukuya ekuhlanganisweni kokugqibela kunye novavanyo lokuguga - konke kugqityiwe ngaphakathi ngaphandle kokunikezelwa ngaphandle. Le nkampani isebenzisa umgca wemveliso epheleleyo yokucubungula isinyithi, kubandakanya ukusika nge-laser, ukugoba kwe-Amada CNC, ukuwelda, kunye neenkqubo zokuhlanganisa.
8. Ukuqinisekiswa kweMarike kunye nabaThengi beHlabathi
Iimveliso zeHongzhou Smart ATM/CRM zifumene ukuthenjwa ngamashishini aphambili kwihlabathi liphela:
IBhanki kunye nezeMali : iBhanki yaseTshayina, iPing An Bank, iHana Financial Group, iGRG Bank
Abathengi bamazwe ngamazwe : iWestern Union, iVodafone Group, iMTN, iLyft, iGE Healthcare, iBühler Group, iChangi Airport Group
Imiboniso yeHlabathi : Iboniswe kwi-EuroShop ka-2026 (eDüsseldorf, eJamani) nakwi-FEBRABAN TECH ka-2026 (eSão Paulo, eBrazil), itsala umdla omkhulu kumaziko emali ehlabathi
