I-Hongzhou Smart - Ihola i-OEM ne-ODM iminyaka engaphezu kwengu-20
umenzi wesisombululo se-kiosk turnkey
Ama-ATM kanye ne-CRM Self-Service Cash Deposit kanye ne-Download Terminals
1. Ukubuka Konke Komkhiqizo
I- Hongzhou Smart ATM (Automated Teller Machine) kanye ne-CRM (Cash Recycling Machine) ziyizikhungo zokuphatha imali ezizisebenzelayo zesizukulwane esilandelayo ezakhiwe yi-Hongzhou Smart zamabhange, izikhungo zezezimali kanye nomkhakha wokuthengisa. Zakhelwe ezimisweni eziyinhloko zokuphepha, ubuhlakani, kanye nokusebenza kahle , la madivayisi aguqula ukuthengiselana kwemali okuvamile okwenziwe ngaphandle kwekhawunta kube ulwazi oluzenzakalelayo oluphelele, olusebenza amahora angama-24 ngosuku, izinsuku eziyi-7 ngesonto.
Umehluko omkhulu phakathi kwe-ATM ne-CRM usekukwazini kwabo ukuphatha imali:
| Isici | ATM | CRM |
|---|---|---|
| Umsebenzi Oyinhloko | Ukukhipha imali kuphela | Ukukhipha imali + idiphozithi yemali + ukuphinda kusetshenziswe imali |
| Ukungena kwemali | Indlela eyodwa (ukukhipha) | Izindlela ezimbili (ukukhipha kanye nokufaka imali) |
| Ukuvuselelwa Kwemali | Akusekelwe | Imali egciniwe esekelwayo isetshenziswa kabusha ekukhipheni imali |
I-CRM (uMshini Wokuvuselela Imali) inguqulo ethuthukisiwe ye-ATM. Ivumela ukucutshungulwa kwemali ngezindlela ezimbili - abasebenzisi bangakhipha futhi bafake imali. Imali efakiwe iyaqinisekiswa futhi igcinwe endaweni evikelekile, futhi ingasetshenziswa kabusha ekukhishweni kwemali okulandelayo, okunciphisa kakhulu imvamisa yokugcwalisa ngesandla kanye nezindleko zokusebenza.
Lawa madivayisi angafakwa emagatsheni amabhange, ezikhungweni zebhange ezizisebenzela zona, ezitolo ezinkulu zikanokusho, ezindaweni zokuthutha, nakwezinye izindawo ezinabantu abaningi, okuvumela izikhungo zezimali ukuthi zandise ukumbozwa kwenkonzo yemali ngezindleko zokusebenza eziphansi.
I-Hongzhou Smart iletha iminyaka engaphezu kwengu-20 yobuchwepheshe bocwaningo nokuthuthukiswa kwezikhungo zokukhiqiza , njengoba inikeze izikhungo zokuzenzela ezingaphezu kuka-450,000 emazweni angaphezu kuka-90 emhlabeni jikelele. Le nkampani inezitifiketi ze-ISO9001, ISO13485, ISO14001, IATF16949 futhi yaziwa njenge-China National High-Tech Enterprise.
2. I-ATM vs. CRM - Ithebula Lokuqhathanisa
| Ubukhulu bokuqhathanisa | I-ATM yendabuko | I-CRM (Umshini Wokuvuselela Imali) |
|---|---|---|
| Imisebenzi Eyinhloko | Ukuhoxiswa, uphenyo, ukudluliselwa | Ukuhoxiswa, idiphozithi, ukudluliselwa, ukukhokhwa kwebhili (imisebenzi eminingi) |
| Ukucutshungulwa Kwemali | Ukusabalalisa ngendlela eyodwa | Idiphozithi yezindlela ezimbili + ukukhipha imali + ukuphinda kusetshenziswe imali |
| Imikhawulo Yemali (Ingalungiseka) | Ukuhoxiswa: ≤ RMB 20,000/ngosuku | Idiphozithi: ≤ RMB 50,000/ngosuku; Ukuhoxiswa: ≤ RMB 20,000/ngosuku |
| Amahora Esevisi | 24/7 | 24/7 |
| Isivinini Sokucubungula | Okusheshayo (≤ umzuzu ongu-1/ukuthengiselana) | Okusheshayo (1–3 min/transaction) |
| Amacala Okusetshenziswa Okufanelekile | Ukukhishwa kwemali okuphuthumayo | Ukuthengiselana kwemali okuncane kuya kokuphakathi kwansuku zonke, izinkokhelo zebhili |
Njengenguqulo ethuthukisiwe ye-ATM, i-CRM ithuthukisa kakhulu ukusebenza kahle kwemali yokuzisiza ngekhono layo "lokucubungula imali ngezindlela ezimbili". Iyithuluzi eliyinhloko lamabhange lokunciphisa ingcindezi yokulwa nokunciphisa izindleko zokuphatha imali.
3. Izici Eziyinhloko
3.1 Ukukhipha Imali (i-ATM kanye ne-CRM)
Umkhawulo wokukhipha imali kanye: RMB 2,000–5,000 (kuye ngokuthi ibhange lihleleke kanjani)
Isekela ukunikezwa kwe-RMB 100 denomination
Isekela ukuhoxiswa kwemali ngaphandle kwekhadi - abasebenzisi bakha ikhodi yokuhoxiswa ngebhange leselula bese befaka ikhodi + i-PIN ku-terminal
3.2 Idiphozithi Yemali (Isici Esikhethekile se-CRM)
Isekela kokubili idiphozithi esekelwe ekhadini kanye nengenakhadi (faka inombolo ye-akhawunti yomamukeli)
Yamukela amanani: RMB 10, 20, 50, 100 (amamodeli amasha)
Umkhawulo wediphozithi eyodwa: imali yamaphepha eyi-100–200 (cishe i-RMB 10,000–20,000)
Umkhawulo wediphozithi ehlanganisiwe yansuku zonke: ngokuvamile i-RMB 50,000 (iyahlukahluka ngenqubomgomo yasebhange)
Ukutholwa kobuqiniso bomgunyathi okuzenzakalelayo kanye nokuqinisekiswa kobuqiniso; amanothi mbumbulu noma onakele abuyiselwa ngokuzenzakalelayo
3.3 Ukuvuselelwa Kwemali (Inzuzo Eyinhloko ye-CRM)
Imali efakiwe iyaqinisekiswa futhi igcinwe ngqo endaweni ephephile
Izicelo zokuhoxiswa ezilandelayo zibeka phambili imali esetshenzisiwe
Kunciphisa kakhulu ukuphindaphindwa kwemali ebhange kanye nezindleko zokuphatha imali
Kwenza kube ngcono ukusebenza kahle kokujikeleza kwemali futhi kunciphisa izingozi zokuthuthwa kwemali
3.4 Imisebenzi Engeyona Imali
Umbuzo we-Akhawunti : Umbuzo webhalansi, ukuphrinta umlando wokuthengiselana (izinyanga ezi-6-12 ezedlule)
Ukudluliselwa Nokuthunyelwa : Kusekela kokubili ukudluliselwa kwangaphakathi kwamabhange kanye naphakathi kwamabhange; umkhawulo wokuthengiselana okukodwa ngokuvamile u-RMB 50,000
Ukukhokhwa Kwebhili : Izikweletu zikagesi (ugesi, amanzi, igesi), ukugcwalisa ngocingo oluphathwayo (kudinga ukubhaliswa kusengaphambili)
Ukuphathwa kwe-PIN : Ukuguqulwa kwe-PIN yophenyo/yokuthengiselana, ukubopha inombolo yeselula
3.5 Izici Ezinenani Elikhulu (Amamodeli Athuthukisiwe)
Isevisi Yokuqaphela Ubuso : Ukutholwa kokuphila ukuze kuqinisekiswe ubuwena; kwenza kube lula ukufaka imali nokukhipha imali ngaphandle kwekhadi
Idiphozithi Yesheke : Ubuchwepheshe obuhlanganisiwe bokuskena isheke; imali efakwa ezinsukwini zebhizinisi ezi-1-3
Izinsizakalo Zemali Yakwamanye Amazwe : Amanye amamodeli esikhumulo sezindiza noma endawo yamazwe ngamazwe asekela i-USD, i-EUR, i-JPY, kanye nezinye izimali zakwamanye amazwe
4. Imininingwane Yobuchwepheshe
4.1 Ukucushwa Kwehadiwe Eyinhloko
| Ingxenye | Imininingwane |
|---|---|
| Imodyuli Yokuphatha Imali (Eyinhloko) | Isikhala sediphozithi + isiqinisekisi sebhili (izinzwa ze-optical/magnetic zokuqinisekisa ubuqiniso kanye nokuqinisekiswa kwenani), isikhala sokukhipha, indawo yokuvuselela kabusha |
| Imojuli Yokuqinisekisa Ubuwena | Isifundi sekhadi le-EMV chip/magnetic stripe, ikhamera yokubona ubuso (ongakukhetha), iphedi ye-PIN evikelwe ubumfihlo (isivikelo esivimbela ukuvela + ukwakheka kokhiye okungahleliwe) |
| Imojuli Yesixhumi Esibonakalayo Somsebenzisi | Isikrini sokuthinta esisezingeni lezimboni (amasentimitha angu-19–27) esinesihlungi sobumfihlo sokuvikela idatha |
| I-Vault Evikelekile | Isitifiketi sokuphepha se-UL291 Level 1; izinto ezilwa nokubhoboza, ezingashi; ukuxhumana kwesikhathi sangempela ne-backend yasebhange |
| Imodyuli Yokuqapha | Amakhamera okuqapha aphezulu/asohlangothini aqopha ukuthengiselana; kusiza ekuxazululeni izingxabano |
| Ukuxhumana Nokulawula | I-PC Yezimboni (i-IPC) enohlelo lokusebenza oluzinikele; ukuvumelanisa ngesikhathi sangempela nezinhlelo zebhange eziyinhloko ngenethiwekhi ebethelwe |
4.2 Imininingwane Yomzimba
| Ipharamitha | Imininingwane |
|---|---|
| Ubukhulu | Cishe 59 × 52 × 186 cm (W×D×H), ingenziwa ngezifiso |
| Isisindo | Cishe 350 kg (iyahlukahluka ngokucushwa) |
| Izinto | Ishasi eliqinisiwe lensimbi egoqekile ebandayo engu-1.5–2.0mm; ungqimba olulwa nokugqwala nolwethuli |
| Izinga Lokuphepha | Izinga lokuphepha lemishini yezezimali le-UL291 liqinisekisiwe |
4.3 Izitifiketi
| Isitifiketi | Okujwayelekile |
|---|---|
| ISO9001 | Uhlelo Lokuphatha Ikhwalithi |
| ISO13485 | Ukuphathwa Kwekhwalithi Yamadivayisi Ezokwelapha |
| ISO14001 | Ukuphathwa Kwemvelo |
| IATF16949 | Ukuphathwa Kwekhwalithi Yezimoto (ukuthembeka kokukhiqiza) |
| UL | Isitifiketi Sokuphepha Komkhiqizo |
5. Ukwakhiwa Kwezokuphepha
Amadivayisi e-ATM kanye ne-CRM afaka uhlaka lokuvikela ukuphepha olunezingqimba eziningi :
Ukuphepha Kwesakhiwo : I-chassis yensimbi eqinisiwe, izingidi ezilwa nokubhoboza, amahinji alwa nokubhoboza; ihlangabezana nezindinganiso zokuphepha kwemishini yezezimali ye-UL291
Uhlelo lwe-Alarm oluhlakaniphile : Ibhokisi elingaphazamisi, izinzwa zokudlidliza, izinzwa zokuthintana nomnyango; kuvula ama-alamu azwakalayo/abonakalayo kanye nezaziso ezikude lapho kutholwa okungavamile
Ukuphepha Kwedatha : Ukubethela kusukela ekuqaleni kuze kube sekupheleni kwayo yonke idatha yokuthengiselana; ulwazi lomnikazi wekhadi lucutshungulwa ngokuhambisana nezindinganiso ze-PCI-DSS
Ukuvimbela Ukukhwabanisa : Isifundi sekhadi esilwa nokweqa ama-skimming esakhelwe ngaphakathi; ukutholwa kwezinto zangaphandle ongazikhethela
Ukuqapha okungu-24/7 : Kusekela ukuhlanganiswa ne-CCTV yeqembu lesithathu kanye namapulatifomu okuqapha akude
Ukuhlolwa Kokuguga : Yonke idivayisi ihlolwa okungenani amahora angama-72 ngaphambi kokulethwa ukuze ilingise ukusebenza kwangempela amahora angama-24 ngosuku, izinsuku eziyi-7 ngesonto
6. Izimo Zokusetshenziswa
| Isimo | Isiphakamiso Senani |
|---|---|
| Amagatsha Ebhange / Izikhungo Zebhange Ezizisebenzelayo | Inciphisa ingcindezi yokumelana; inikeza isevisi ende amahora angama-24 ngosuku, izinsuku eziyi-7 ngesonto; kunciphisa izindleko zokusebenza |
| Izindawo Zokuthenga Ezinkulu | Inikeza izinsizakalo ezilula zokufaka imali kanye nokuhoxisa abathengisi nabathengi |
| Izindawo Zokuthutha (Izikhumulo Zezindiza / Iziteshi Zesitimela) | Ikhonza abahambi bebhizinisi kanye nezokungcebeleka; inikeza izinsizakalo zemali ezisheshayo kanye nemali yangaphandle |
| Amahhotela / Izindawo Zezivakashi | Ihlangabezana nezidingo zemali zezivakashi; ithuthukisa ulwazi lwamakhasimende |
| Amaketanga Okuthengisa | Ihlinzeka ngezindawo zokuphatha imali kubathengisi; kunciphisa izingozi zokuqongelela imali |
7. Ukwenza ngokwezifiso kanye nezinsizakalo ze-OEM/ODM
I-Hongzhou Smart inikeza izinsizakalo eziphelele ze-OEM kanye ne-ODM zamapulatifomu e-ATM kanye ne-CRM:
| Indawo Yokwenza Ngokwezifiso | Izinketho Ezitholakalayo |
|---|---|
| Umklamo wehadiwe | Ukuqeda kwangaphandle, ukumaka/ama-logo, izikimu zombala, ukwenza ngokwezifiso izinto ezisetshenziswayo |
| Ukuphathwa Kwemali | Umthamo wekhasethi, ukumiswa kwenani, imikhawulo yediphozithi/yokukhipha imali |
| Isikhombikubona Sesofthiwe | Ukuhlelwa kwe-UI, imisebenzi yokuthengiselana, ukwesekwa kwezilimi eziningi |
| Amamojula Omsebenzi | Ukuqashelwa kobuso, i-biometrics yeminwe, ukuskena isheke, izinsizakalo zemali yangaphandle, njll. |
| Ukuthobela Imithetho | Yenza ngokwezifiso izici ze-KYC/AML, ukubika, kanye nobumfihlo bedatha emithethweni yendawo |
I-Hongzhou Smart igcina amakhono okukhiqiza ahlanganiswe ngokuqondile : kusukela ekwakhiweni kweshasi yensimbi eshidi, ukukhiqizwa kwe-cable harness, ukuhlanganiswa kwe-PCBA kagesi kuya ekuhlanganisweni kokugcina kanye nokuhlolwa kokuguga - konke kuqediwe ngaphakathi ngaphandle kokunikezwa kwemisebenzi yangaphandle. Le nkampani isebenzisa umugqa wokukhiqiza ophelele wokucubungula insimbi eshidi ethuthukisiwe, okuhlanganisa ukusika nge-laser, ukugoba kwe-Amada CNC, ukushisela, kanye nezinqubo zokuhlanganisa.
8. Ukuqinisekiswa Kwemakethe kanye Namakhasimende Omhlaba Wonke
Imikhiqizo ye-Hongzhou Smart ATM/CRM ithole ukwethenjwa ngamabhizinisi ahamba phambili emhlabeni jikelele:
Ibhange kanye Nezezimali : Ibhange laseShayina, i-Ping An Bank, i-Hana Financial Group, i-GRG Bank
Amaklayenti Amazwe Ngamazwe : iWestern Union, iVodafone Group, iMTN, iLyft, iGE Healthcare, iBühler Group, iChangi Airport Group
Imibukiso Yomhlaba Wonke : Iboniswe e-EuroShop 2026 (eDüsseldorf, eJalimane) kanye nase-FEBRABAN TECH 2026 (eSão Paulo, eBrazil), iheha intshisekelo enkulu evela ezikhungweni zezimali zomhlaba wonke.
