Application of Internet of Things RFID Technology in Bank Treasury Business Management
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The daily inbound and outbound logistics flow of bank vaults is increasing, especially the inbound and outbound distribution of cash boxes, precious metal items, collateral, important blank vouchers, etc., and warehouse automatic inventory supervision and other businesses need to strengthen distribution information and logistics management And risk control.
Applications:
1. Application summary
The vault logistics management integrated management platform system based on RFID technology realizes the information flow management of the bank’s distribution of resources in and out of the warehouse, the electronic transfer of logistics, the real-time inventory and supervision of warehouse materials, and the clearing of cash boxes under the centralized management mode. Machine maintenance flow management and bank door-to-door collection business management and control, and the introduction of electronic tags to achieve accurate tracking management of the distribution link, with the help of technical means and software platforms, to further improve the automation and intelligence of business processing, unified distribution of relevant business resources, and reduce Business management is difficult, business operation efficiency is improved, and various human errors and risks are effectively controlled, and intensive management is realized to meet the bank’s management and control requirements for treasury logistics.
At the same time, it mainly realizes:
1. Strengthen the collection and analysis of cash teller information flow, and establish a centralized data collection and analysis mechanism;
2. Standardize all process positions of business operations, reduce manual intervention, and effectively control all kinds of human errors and risks;
3. Establish electronic handover through RFID technology, realize the electronic and batch reading of handover process, and improve the efficiency of logistics and distribution;
4. All departments of the whole bank can centrally effectively manage the storage, distribution, handover, statistics, inquiry, and tracking of physical objects;
5. Establish a management model for inventory, strengthen inventory control and account verification;
6. Separate the planning and scheduling of foreground operations and background operations, background accounting processing, and clearing, so as to realize the separation of operation and management functions;
7. Effectively control the identity authentication of personnel in the industry, customer personnel, and third-party service personnel, and control the business risks caused by out-of-control identity authentication of personnel;
8. According to the matching of actual logistics transfer and business execution links, control the physical transfer errors, physical logistics, information flow, and accounting flow, and link the three through the system for automatic control processing, so as to avoid the inconsistency of the allocation requirements in the actual business operations with the physical objects , The physical inventory does not match the relevant accounts.
2. Application of RFID technology in treasury management
Through the RFID technology platform, the entire process of controlling the in and out of vault-related resources, handover and distribution, including task initiation, task approval, task execution, task tracking, task completion, and other storage, inventory and other functions; improve operation speed, efficiency, and accuracy Rate and information integration, improve the accuracy of treasury management and the convenience of operation, and reduce data errors and delays.
The treasury resources are loaded with RFID electronic tags to enable them to have unique identification, and provide technical support for the fine management of the treasury, so that the resources can be checked, recorded, counted, and traced in real time. Reduce the dependence on people in daily work and reduce human errors; automatic reading of materials in and out reduces errors in and out of the warehouse; at the same time, it is also convenient for the treasury and finance to conduct real-time reconciliation.
1. Warehouse management
Inbound and outbound resources can be read in batches through the channel card reader. The system automatically records the inbound and outbound log information (on-duty library administrator, receiver, transfer time, specific task details, resource details). Generate warehousing reports and automatically compare them with the original task schedule. For some abnormal situations in the process of entering and leaving the warehouse, such as resource loss or illegal resources entering and leaving the warehouse, the system can automatically warn and activate the monitoring system and send alarm signals.
2. Move library management
Every time the location of the treasury resource changes in the treasury, its specific location can be tracked and confirmed through the RFID electronic tag, and the system will automatically update the location change data in the system.
3. Inventory management
Treasury management is a regular periodic inventory of treasury resources in accordance with the treasury management rules and regulations, so as to grasp the current status of the treasury materials in a timely manner. In the inventory, the RFID electronic scanning gun is used to scan the resources that need to be inventoried. The system automatically counts and records the current location information of the resources, etc., and compares with the system resources, and automatically generates a comparison report.
4. Inventory query
For treasury resources, in accordance with the treasury management rules and regulations, when conducting regular spot checks, the designated resources can be scanned through PDAs and electronic scanning guns, the resource information can be read, and the detailed information of the resources can be compared with the system.
5. Inventory warning
Treasury resources can be set by resource warning values. In the inventory and inventory query, when the inventory quantity is less than or greater than the set warning value, the system will prompt the administrator that the resource quantity has been lower or higher than the set warning value, which is convenient for the warehouse The administrator even adjusts the number of treasury resources stored.
6. Personnel Identity Verification
When the treasury is transferred in and out of the warehouse, it directly scans the RFID identity card of the transfer person through the scanning device, and compares it with the personnel information recorded in the system, such as gender, name, age, photo, etc., to facilitate rapid and accurate identification verify.
System value:
1. Improve work efficiency
All resources in and out of the library can be in and out of the library in batches, and the resource information can be read directly through the channel card reader to count the number of resources. When in the inventory, directly scan the RFID electronic tags of the resources through the handheld scanning device, and directly read the resource information and the number of resources that need to be counted. These have changed the traditional reliance on manual methods to confirm and count the resource information one by one, and improve work efficiency.
2. Improve accuracy and reduce error rate
Inbound and outbound resources and inventory inventory information have changed the way of inventory, confirmation, and registration through traditional manual methods, which are directly confirmed and counted by scanning RFID electronic tag information. The personnel on both sides of the handover have also changed the way of confirming through traditional identity cards, and directly read, compare, and confirm personnel information by scanning RFID identity cards. Improved the accuracy of resource entry and exit verification and personnel identity verification.
3. Improve safety and reduce risks
The treasury logistics management system is connected with the monitoring system, and real-time screen monitoring is performed on the in-out and handover site. At the same time, the resource information is confirmed in the resource in and out of the warehouse and the identity of the handover personnel is confirmed during the in and out of the warehouse. The abnormal situation can be through the monitoring system Connect the alarm equipment for early warning and alarm, which improves the safety of warehouse management.
3. Application of RFID technology in ATM cash box management
At present, the problems that banks generally face in the management of cash boxes include:
1. The handover and filling of orders in each link of the operation are manual, and the data is scattered and it is difficult to automatically transfer
2. Failure to monitor task execution in a timely manner to achieve background business supervision
3. Unable to monitor the resource status of the cash box in time, such as the location of the cash box (in the library, in transit, on the machine, etc.)
4. It is difficult to control the handover process of receiving and handing over sensitive resources; the number and model of manual cash box are prone to errors and time-consuming, and the key collection and return cannot be controlled (such as key replacement, less handing, etc.)
5. The efficiency of collaboration between departments is low, such as the handover, recording and accounting check of a large number of cash boxes
6. It is not possible to collect and analyze data on business operations (such as the amount of money added in a cycle, the amount of money used, the frequency of adding money, the volume of business, the efficiency of the business, and the business errors)
With the increase in the amount of bank ATMs and the centralized management of equipment, there is an urgent need to realize the integration of “management, control, and operation” of “safety, high efficiency, energy saving, and environmental protection” for the self-service equipment cash box. In daily operations, a large number of resources are circulating in order to improve work efficiency, safety and accuracy. It can centrally manage and monitor cash boxes, spare boxes and various types of money boxes in the operation flow.
Sichuan Jintou Finance introduced RFID electronic tag technology to identify each important resource. In the process of circulation, automatic scanning equipment is used to quickly and effectively read the identification of resources, which has achieved the purpose of fast and efficient work and monitoring.
The main functional modules of the system include: system information management module, planning management module, cash distribution and tail box counting module, inbound and outbound transfer management module, cash box delivery, outbound batch inbound and outbound identification, cash box life cycle management module, remote Dynamic encryption lock module, task management module, non-technical maintenance module, error accounting and handling customer complaints, card swallowing processing module, business management report module, business supervision module, etc.
System value:
1. A complete ATM cleaning business management plan, from planning-banknote distribution-scheduling-resource collection-on-site operation-resource return-inventory reconciliation (error handling), seamlessly integrated with the dynamic password lock;
2. Strict resource handover verification, automatically, quickly and accurately scan to verify the quantity and type of resources;
3. Real-time and comprehensive business execution tracking, every step of execution can be monitored in the background;
4. Complete tasks and historical records of various resource circulations, traceable; real-time monitoring of the entire life cycle (including business circulation status) of the cash box and ATM machine.
5. Flexible permission system (except for task modules, which have strict and fine-grained permission control)
6. Business statistics, cash box usage statistics, ATM cash replenishment volume, cash replenishment frequency, cash consumption statistics, and an open business statistics interface to freely expand statistical data according to user needs.
7. Independent accounting verification and sorting system, one machine for one verification, line accounting summary verification, and daily accounting summary verification; accurate accounting processing and comprehensive report data.
8. It can provide a complete operation data analysis function for the ATM centralized banknote adding business, such as the amount of banknote addition, the frequency of banknote addition, and the amount of banknote used by ATM equipment during the cycle.
9. Complete data encryption mechanism, symmetric encryption of sensitive data during data transmission, and regular key changes.
Fourth, the application in the door-to-door package collection business
In the door-to-door package collection business, there are two most important links. One is the verification of the identity information of the handover personnel, and the other is the recording of the information of the package sold. Personnel identity information is also read by scanning RFID identity card information and compared with the original information of the system to confirm. The customer first records the package information that needs to be received through online banking, and writes the relevant information into the RFID electronic tag. After the package is packaged, the RFID electronic tag representing the unique identification information of the package is loaded. The door-to-door package collector directly scans the electronic label on the package through the PDA, reads the package information, and instantly compares it with the information of the background package collection task to confirm the accuracy of the received package information.
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