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With the continuous development of the Internet of Things, RFID technology has also been widely promoted and applied. Speaking of the applications of RFID technology in various industries, there are too many applications. Today, let’s take a look at the applications of RFID technology in the financial field.
1. Improve the efficiency of bank asset management
my country’s large commercial banks have already achieved a large national data concentration, and their national data centers have a large number of IT equipment, so it is very difficult to track and manage these IT equipment. At present, some domestic banks have begun to use RFID technology to improve the efficiency of bank asset management.
For example, China Construction Bank has applied RFID technology to affix RFID electronic tags to fixed assets such as the bank’s data center cabinets and internal equipment. UHF read-write equipment has been installed at the entrances and exits of the data center computer room and inside the cabinets, combined with the computer room environment. The monitoring software, automatic alarm system, and access control system build a complete asset management monitoring platform to realize comprehensive visual tracking and monitoring of IT equipment, which provides great convenience to the management efficiency of IT equipment for data center managers.
2. Improve the safety of bank cash box in and out management
At present, most of the escort work of bank business cash has been outsourced to security companies. Before bank outlets are open every day, the security company collects the cash boxes from the central vault of the bank, escorts them and delivers them to the bank outlets. After the daily business is over, the security company will then hand over the cash box from the bank branch and escort it to the central vault of the bank for deposit. However, in the transfer of the cash box of the bank money transport truck, there will always be some fraudulent claims and embezzlement in the process of the cash box warehousing, causing economic losses to the bank, and negative social impacts, and there are hidden safety hazards.
The RFID technology monitors the cash box handover process, which can realize intelligent escort supervision, safe handover supervision, personnel identity verification, automatic monitoring and alarm, so as to ensure the correct handover, the safety of high bank cash boxes in and out of the warehouse and transportation.
The specific process is as follows:
1. Paste an RFID electronic tag with an independent number on each tail box to identify the cash box information in batches. 2. The relevant escort staff, the person in charge of the handover of the bank branch and the gun holder all have a unique dedicated RFID electronic tag to ensure that the electronic tag cannot be copied. 3. The escort picks up the handheld RFID reading and writing device with the RFID identity tag, and downloads the work task list on the wireless network on the handheld RFID reading and writing device (including the tail box card number, line bank branch, banknote truck card number, bullet number and quantity And other information); 4. According to the task, receive firearms and ammunition, escorted vehicles, and cash boxes with RFID identification tags. The physical collection system will automatically identify and verify their identity information. The correct ones will be released, and the incorrect ones will be sent to the police; 5. During the process, a handheld RFID read-write device can be used to authenticate the identity of both parties, read and automatically check the handover tail box information as the basis for handover with the bank branch, and upload the handover of the tail box to the dispatch monitoring center through the wireless network. 6. According to the business settlement rules, automatically carry out related business settlements and print out the settlement results.
3. VIP service-improve customer service quality
Some domestic banks have applied RFID technology to their VIP customer management, by issuing VIP cards that integrate ordinary UnionPay cards and RFID electronic tags to VIP customers. Once VIP customers enter the bank’s door, their personal information, including their name, history, and recent transactions, will be immediately retrieved from the tailor-made application software database. VIP customer information is obtained from the local database and sent to the customer relationship manager, who personally greets the VIP customer, which greatly improves the VIP customer experience.
Four, bill anti-counterfeiting
For a long time, many criminals will spread their tentacles to the bank counter and use fake certificates of deposit to obtain deposits. Adding an RFID chip to the deposit receipt can greatly improve the anti-counterfeiting ability of the bill, effectively distinguish the authenticity of the deposit receipt, and combat fraud by criminals.
For example, the Jiangsu Branch of Agricultural Bank of China promoted RFID certificates of deposit to strengthen the risk control of the counter. The bank comprehensively promotes chip (RFID) deposit receipts, uses packaging technology to add chips to ordinary deposit receipts, and realizes the uniqueness of deposit receipts through the integration of chip information with the Agricultural Bank’s production system and prevents the risk of copying and cloning of deposit receipts.
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