Details of 24-hour self-service banking

24-hour self-service bank? Unmanned bank? 、? Electronic banking? It is a part of electronic and automatic banking business processing, and it is a modern banking service model rising abroad. The following are some details of 24-hour self-service banking that I have compiled. For your reference.

Introduction to the function of 24-hour self-service banking

1) ATM. ATM is what we often call ATM. If translated directly from the English ATM, it should be ATM, but in order to compare with ATM, it is called ATM in this paper. It is the most common self-service banking equipment, and its main function is to provide the most basic banking services, that is, the transaction of issuing currency. You can also conduct account inquiry, password modification and other services on ATM.

2) Automatic deposit machine. Automatic deposit machine can deposit customers' cash into the account in real time, which is actually the reverse operation of automatic withdrawal. In the process of deposit, the automatic deposit machine can automatically identify the face value and judge the authenticity. Customer deposits can be recorded in real time, and transaction processing results can be queried in real time, so there is no need to worry about unexpected problems in the transaction process.

3) Fill in the passbook. Passbook replenishment is a self-service terminal device, which is convenient for customers to update their passbooks. Through the cooperation of passbook receiver and page number reading equipment, automatic printing and automatic page turning are realized. After the customer puts the passbook into the boarding plane, the equipment automatically reads the customer's account information from the bar code and magnetic stripe on the passbook, and then prints the customer information from the business host to the passbook. After printing, the device will sound to remind the customer to take the passbook.

4) Multimedia query machine. Multimedia inquiry machine provides services such as equipment description, operation guidance, financial information and business inquiry by using touch screen technology. Including foreign exchange quotations, deposit and loan interest rates and other information. Many self-service banks are also equipped with large screens to provide timely inquiries of various public information.

5) foreign currency exchange machine. In airports and self-service banks in business districts, you can often see foreign currency exchange machines. Its main service targets are foreign tourists and residents with foreign exchange income. The foreign currency exchange machine can recognize a variety of different currencies, automatically accumulate the total amount during the exchange process, and then exchange according to the exchange rate. The equipment and functions of self-service banks in different banks are different. Even the same bank will put different equipment in self-service banks in different locations to provide services with different functions. Some self-service banks also provide credit card statement printing function, insert credit cards and print statements according to prompts. There is also a transfer service, which can only provide transfer services for accounts in the same city. Some self-service banks also provide telephones, which are directly connected to the telephone service system of their respective banks.

6) Foreign exchange transactions and bank-securities transfer. In this regard, the self-service banks of Minsheng Bank and China Merchants Bank won. However, customers must first go through the transaction opening procedures at the business counters of these two banks. The self-service banks of China Merchants Bank and Minsheng Bank provide comprehensive information such as foreign exchange quotations and interest rates, and customers can conduct foreign exchange transactions through self-service banking terminals according to these information. Click on the ATM screen? Personal foreign exchange transactions? Project, select the relevant currency, enter the transaction amount, and follow the instructions step by step. The self-service terminals of China Merchants Bank and Minsheng Bank can also provide securities and fund services, but they can't buy or sell, only transfer money.

7) Pay utilities. At present, self-service terminals of many banks can provide public utility fee payment services. The user only needs to insert a passbook or debit card or enter the card number and password, and then scan the water and electricity bill with bar code at the ultraviolet port of the machine, and the machine will automatically deduct the corresponding funds in the account and make the payment immediately. China Construction Bank, Agricultural Bank, Industrial and Commercial Bank and Bank of Communications can all provide this service.

24-hour self-service banking self-service business

In recent years, self-service banks have developed very rapidly. Self-service devices of banks have appeared in downtown business districts, business halls and residential areas. Their appearance broke the limitation of time and space, and users can enjoy all-weather financial services within 24 hours.

Self-service bank is the result of financial innovation carried out by commercial banks to meet the financial needs of customers in previous years. With the help of modern self-service equipment, providing customers with convenient and efficient financial services is a part of the electronization and automation of bank counter business processing. Related? Self-service bank? There are many names at home and abroad: unmanned bank? ,? Electronic banking? ,? Self-service financial center? Wait, because? Unmanned bank? Some semantics are not very appropriate, so we think it is called? Self-service bank? More appropriate. To put it simply, Self-service bank? It refers to a banking institution that provides self-service for bank customers by means of science and technology.

Bank equipment

Self-service banking equipment generally includes: automatic deposit and withdrawal machines, automatic deposit machines, automatic teller machines, multimedia information inquiry systems, automatic safes and night vaults. In addition, there are foreign currency automatic exchange machines, passbook automatic printers, ic card deposit machines, telephone banking self-service financial services, money counters, money detectors and so on. Self-service banking equipment function

ATM is the most advanced ATM in the world at present. It integrates cash deposit and withdrawal, and can handle payment business, which greatly facilitates customers. Automatic deposit machines provide deposit services. ATM provides services such as withdrawal, payment, balance inquiry and password modification. The multimedia automatic terminal can introduce financial knowledge and bank information in an all-round way, inquire and print the historical transaction details of all accounts, pay various fees, handle inter-card transfer, intra-card transfer, foreign exchange trading, bank-securities transfer, pledge loan, treasury bond trading, reminder service, printing invoices, oral loss reporting and other services; Automatic safe deposit box provides self-service safe deposit box service, which allows customers to access goods without time limit and without the company of bank personnel, and also ensures the privacy of customers; If you apply for the night vault business in advance, you can freely deposit cash or goods 24 hours a day.

Self - service

Such as online banking, telephone banking, mobile banking, home banking, etc.

online bank

Online banking refers to an online service system in which banks establish bank websites through the Internet platform to provide various financial services for banks. Function: It can not only realize traditional banking services such as online inquiry, transfer settlement, payment, remittance, loss reporting, consultation and complaint, but also develop new services such as passbook stock trading, personal foreign exchange firm trading, consumer credit and electronic letter of credit. Telephone banking is a new banking service system integrating advanced technologies such as computer, communication and multimedia. Customers can handle all kinds of banking business by phone without leaving home.

Function: provide customers with self-service services such as account balance inquiry, information inquiry, password modification, transfer and payment by telephone.

Mobile banking service

The English name is Mobile Banking Service, which refers to a service system that connects customers' mobile phones to banks through mobile communication networks and directly completes various financial services through the mobile phone interface. It is a brand-new service mode combining electronic money with mobile communication service. Function: enable customers to realize financial services such as inquiry, loss reporting, transfer, payment, securities service, foreign exchange firm trading, financial secretary, etc. Anytime and anywhere.

Family bank

Home banking is based on cable TV video broadband network, with TV sets and set-top boxes as customer terminals to realize networking and handle banking business. Compared with online banking, family banks are closer to the lives of ordinary people. Once opened, users can complete a number of banking services at home through TV, learn the latest overseas financial information, and experience more fashionable and convenient financial management methods.

self help loan

If you are China Merchants Bank? A card? After signing an agreement with China Merchants Bank, customers can pledge their local and foreign currency time savings deposits in China Merchants Bank Card, apply for loans from China Merchants Bank through self-service devices such as telephone banking, online banking and self-service terminals, and repay through the above channels.

Letter of credit clause

After applying to China Merchants Bank for opening the self-service loan function, the borrower will use it for himself? A card? Two kinds of time deposits, lump-sum deposit, lump-sum withdrawal and interest withdrawal, apply to China Merchants Bank for pledge loans. At present, China Merchants Bank accepts time savings deposits in RMB, USD, HKD and Japanese yen as collateral.

Common sense of safe use of 24-hour self-service bank

1. When using the self-service equipment, pay attention to whether the person behind you is standing in a safe place one meter away or standing behind you to peek at your account and password.

2. When a stranger talks to you or interferes with you, pay special attention to get back the card, cash and transaction slip first.