TWI862410B - System for making banking service reservation on webpage for branch of bank and method thereof - Google Patents

Abstract

A system for making a banking service reservation on webpage for a branch of a bank and a method thereof are provided. By providing an online reservation webpage for a customer device to input a reservation service, a check-in location and reservation time by a bank server, generating a branch data list based on the reservation service, the check-in location and the reservation time by a bank server, generating a check-in identification based on a reservation branch selected from the branch data list, inputting a customer check-in data at the reservation branch by a user of the customer device, and notifying service specialist to serve the user if the branch service host determines that the check-in identification matches the customer check-in data, the system and the method can handle banking services without waiting for a number, and can achieve the effect of increasing customer service experience.

Description

System and method for making online appointments with bank branches to conduct banking business

A system and method for making an appointment for banking business, and more particularly, a system and method for making an appointment with a bank branch online via a webpage to handle banking business.

With the development of the Internet and the advancement of technology, many services that require in-person presence can now be completed online. In terms of banks, online banking is also available to provide most of the services that required in-person visits in the past.

However, due to technical or regulatory limitations, some services still require bank customers to go to the bank counter for processing, such as opening an account, changing a passbook, withdrawing/remitting large amounts of money, etc. Currently, most banks provide number-taking machines at their branches for bank customers who need to handle business to take numbers on the spot. After taking the numbers, bank customers have to wait for the service specialist of the business they want to handle to call their numbers before they can get the service, which may cause bank customers to wait for a very long time in the bank, resulting in a waste of customers' time.

In order to solve the above problems, some banks also provide online number drawing services. However, after drawing the number online, bank customers often need to arrive at the bank in advance to wait in order to avoid the need to draw the number again due to missed numbers.

In summary, it can be seen that the previous technology has long had the problem of having to go to a branch and wait after getting a number online to handle banking business. Therefore, it is necessary to propose improved technical means to solve this problem.

In view of the problem that the prior art still requires waiting at a branch after obtaining a number online to handle banking business, the present invention discloses a system and method for making an appointment with a bank branch online on a web page to handle banking business, wherein:

The system disclosed in the present invention for online booking of bank branches on a webpage for handling banking services at least comprises: a customer device; a bank server for providing an online booking webpage to the customer device, and receiving the booking service, check-in location and booking time input by the customer device through the online booking webpage, and generating a branch information list based on whether each bank branch within the predetermined range of the check-in location can provide booking services at the scheduled time, and providing the branch information list to the customer device, wherein the branch information list includes the branch information of the bank branches that can provide the booking service at the scheduled time, and receiving the branch information list input by the customer device from the branch information list. The notification message generated after selecting the appointment branch in the notification list, and the check-in identification data is generated according to the notification message and transmitted to the customer device. The notification message records the appointment business, appointment branch, and appointment time; the branch service host corresponds to the appointment branch, and is used to provide the bank server with a query whether the appointment branch can provide the appointment business at the scheduled time, and receive the check-in identification data transmitted by the bank server, and is used to receive the customer check-in data entered at the appointment branch, and when it is determined that the customer check-in data matches the check-in identification data, it notifies the pre-arranged service specialist to provide the appointment business service.

The method disclosed in the present invention for handling banking business by making online reservations at bank branches on a webpage comprises at least the following steps: a bank server provides an online reservation webpage and receives the reservation business, the check-in location and the scheduled time input by the client device through the online reservation webpage; the bank server generates a branch information list based on whether each bank branch located within the scheduled range of the check-in location can provide the reservation business service at the scheduled time, and the branch information list includes branch information of multiple bank branches, and at least one bank branch can provide the reservation business service at the scheduled time. The customer device selects a branch for appointment from the branch information list and sends a notification message to the bank server, which records the appointment service, the appointment branch, and the appointment time. The bank server generates check-in identification data based on the notification message and sends the check-in identification data to the customer device and the branch service host corresponding to the appointment branch. The branch service host receives the customer check-in data input at the appointment branch. When the branch service host determines that the customer check-in data matches the check-in identification data, it notifies the pre-arranged service specialist to provide the service of handling the pending business.

The system and method disclosed in the present invention are as described above. The difference between the present invention and the prior art is that the present invention provides an online reservation webpage through a bank server to a customer device to input the reservation service, check-in location and reservation time to generate a branch information list, and generates check-in identification data based on the reservation branch selected from the branch information list. When the user of the customer device enters the customer check-in information at the reservation branch, if the branch service host determines that the check-in identification data received from the bank server matches the customer check-in data, the service specialist is notified to serve the user to handle the reservation service, thereby solving the problems existing in the prior art and achieving the technical effect of increasing the customer service experience.

The following will be used in conjunction with drawings and embodiments to explain in detail the features and implementation methods of the present invention. The content is sufficient to enable anyone familiar with the relevant technology to easily and fully understand the technical means used by the present invention to solve the technical problems and implement them accordingly, thereby achieving the effects that can be achieved by the present invention.

The present invention can provide a user with a customer device to make an appointment with a bank server for the time and bank branch for handling banking business. After arriving at the appointment branch, the user can enter the customer registration information at the appointment branch, so that the branch service host notifies the service specialist to serve the user to handle the appointment business.

The client device, bank server, and branch service host mentioned in the present invention can all be computing devices. In some embodiments, the bank server and the branch service host can be a single computing device or can be generated by the joint operation of multiple computing devices, that is, the bank server or the branch service host can include multiple computing devices.

The computing device mentioned in the present invention includes but is not limited to one or more processing modules, one or more memory modules, and hardware components such as a bus connecting different hardware components (including memory modules and processing modules). Through the multiple hardware components included, the computing device can load and execute an operating system so that the operating system runs on the computing device, and can also execute software or programs. The computing device also includes a housing, and the above-mentioned hardware components are arranged in the housing.

The bus of the computing device mentioned in the present invention may include one or more types, such as a data bus, an address bus, a control bus, an expansion bus, and/or a local bus. The buses of computing devices include but are not limited to the Industry Standard Architecture (ISA) bus, the Peripheral Component Interconnect (PCI) bus, the Video Electronics Standards Association (VESA) local bus, the Universal Serial Bus (USB) bus, the PCI Express (PCI-E/PCIe) bus, etc.

The processing module of the computing device of the present invention is coupled to a bus. The processing module includes a register group or a register space, which can be completely set on the processing chip of the processing module, or completely or partially set outside the processing chip and coupled to the processing chip via a dedicated electrical connection and/or via a bus. The processing module can be a central processing unit, a microprocessor, or any suitable processing element. If the computing device is a multi-processor device, that is, the computing device includes multiple processing modules, the processing modules included in the computing device are the same or similar, and are coupled and communicated through a bus. In some embodiments, the processing module can interpret a computer instruction or a series of multiple computer instructions to perform specific calculations or operations, such as mathematical operations, logical operations, data comparison, copying/moving data, etc., so as to drive other hardware components in the computing device or run an operating system or execute various programs and/or modules. The computer instruction can be an assembly language instruction, an instruction set architecture instruction, a machine instruction, a machine-related instruction, a microinstruction, a firmware instruction, or a source code or object code written in any combination of one or more programming languages, and the computer instruction can be completely executed on a single computing device, partially executed on a single computing device, partially executed on one computing device and partially executed on another connected computing device. The above-mentioned programming languages include object-oriented programming languages, such as Common Lisp, Python, C++, Objective-C, Smalltalk, Delphi, Java, Swift, C#, Perl, Ruby, etc., and conventional procedural programming languages, such as C language or other similar programming languages.

Computing devices usually also include one or more chipsets. The processing module of the computing device can be coupled to the chipset or electrically connected to the chipset through a bus. The chipset is composed of one or more integrated circuits (ICs), including a memory controller and a peripheral input/output (I/O) controller, etc. That is, the memory controller and the peripheral input/output (I/O) controller can be included in one IC, or can be implemented using two or more ICs. The chipset usually provides input/output and memory management functions, as well as multiple general and/or dedicated registers, timers, etc., wherein the above-mentioned general and/or dedicated registers and timers can be accessed or used by one or more processing modules coupled or electrically connected to the chipset. In some embodiments, the chipset may also be part of the processing module.

The processing module of the computing device can also access the data in the memory module and the mass storage area installed on the computing device through the memory controller. The above-mentioned memory module includes any type of volatile memory and/or non-volatile memory (NVRAM) memory, such as static random access memory (SRAM), dynamic random access memory (DRAM), read-only memory (ROM), flash memory, etc. The mass storage area mentioned above may include any type of storage device or storage media, such as a hard drive, optical disc, flash drive, memory card, solid state disk (SSD), or any other storage device. In other words, the memory controller can access data in static random access memory, dynamic random access memory, flash memory, hard drive, and solid state disk.

The processing module of the computing device can also be connected and communicated with peripheral devices or interfaces such as peripheral output devices, peripheral input devices, communication interfaces, various data or signal receiving devices, etc. through the peripheral input/output controller via the peripheral input/output bus. The peripheral input device can be any type of input device, such as a keyboard, a mouse, a trackball, a touchpad, a joystick, etc. The peripheral output device can be any type of output device, such as a display, a printer, etc. The peripheral input device and the peripheral output device can also be the same device, such as a touch screen, etc. The communication interface may include a wireless communication interface and/or a wired communication interface. The wireless communication interface may include an interface supporting wireless local area networks (such as Wi-Fi, Zigbee, etc.), Bluetooth, infrared, near-field communication (NFC), 3G/4G/5G and other mobile communication networks (cellular networks) or other wireless data transmission protocols. The wired communication interface may be an Ethernet device, a DSL modem, a cable modem, an asynchronous transfer mode (ATM) device, or an optical fiber communication interface and/or component. The data or signal receiving device may include a GPS receiver or a physiological signal receiver. The physiological signals received by the physiological signal receiver include but are not limited to heartbeat, blood oxygen, etc. The processing module can periodically poll various peripheral devices and interfaces, so that the computing device can input and output data through various peripheral devices and interfaces, and can also communicate with another computing device having the hardware components described above.

As shown in FIG. 1 , which is a schematic diagram of hardware components of the computing device of the present invention, the computing device 100 may include a memory module 110, a communication interface 130, a storage medium 140, a processing module 170, a bus 190, and an additional input module 150 and an output module 160. The memory module 110, the communication interface 130, the storage medium 140, the input module 150, the output module 160, and the processing module 170 may be connected to each other via the bus 190.

The memory module 110 may store one or more sets of computer instructions and may provide the stored computer instructions to the processing module 170.

The communication interface 130 can be connected to other network devices through wired or wireless communication technology, and can provide the processing module 170 with the request and download data or signals from the connected network device, and can also transmit the data or signals generated by the processing module 170 to the connected network device.

The storage medium 140 can store data downloaded from the communication interface 130 , and can also store data provided to the processing module 170 and data generated by the processing module 170 .

The input module 150 may provide input data or signals, and may provide the input data or signals to the processing module 170 .

The output module 160 can output the data or signals generated by the processing module 170, for example, output data through a display or a printer, or output signals through an indicator light.

The processing module 170 can execute the computer instructions stored in the memory module 110, and can generate one or more software modules after executing the computer instructions; the processing module 170 can also include one or more hardware modules, that is, each module included in the processing module 170 can be a software module or a hardware module, and the present invention has no special limitation. Among them, each hardware module included in the processing module 170 includes one or more hardware components, and the hardware components can be circuits or chips. In other words, the processing module 170 can be generated by one or more circuits and/or complete or partial chips and other hardware components.

The following first uses the system architecture diagram of the webpage online appointment bank branch for handling banking business proposed in the present invention, "Figure 2", to explain the system for implementing the present invention. As shown in "Figure 2", the system of the present invention includes a customer device 210, a bank server 220, and a branch service host 230. Among them, the customer device 210 and the bank server 220, and the bank server 220 and the branch service host 230 can be connected through wired or wireless communication technology.

The client device 210 may be a personal computer, a laptop, a tablet computer, a smart phone, an e-book reader, a smart TV, a video game console, etc., but the present invention is not limited thereto.

The client device 210 is responsible for making appointments with branches and pending services. In some embodiments, the processing module of the client device 210 may also include a service appointment module 213 and a message notification module 215.

The service reservation module 213 is responsible for connecting to the bank server 220 through the communication interface of the client device 210 and obtaining the branch information list from the bank server 220. The branch information list mentioned in the present invention includes branch information of one or more bank branches, and the branch information of each bank branch includes but is not limited to the branch name of the bank branch and the corresponding branch identification data, and the branch location information of the bank branch.

The service reservation module 213 can also obtain the service item list from the bank server 220 through the communication interface of the client device 210. The service item list mentioned in the present invention includes the service names and corresponding service identification data of all services provided by the bank, but the present invention is not limited thereto.

The service reservation module 213 is also responsible for providing an online reservation webpage through the display module of the client device 210 , wherein the service reservation module 213 can download the online reservation webpage from the bank server 220 through the communication interface of the client device 210 , or can read the online reservation webpage from the storage medium of the client device 210 .

The service reservation module 213 is also responsible for providing reservation data to be inputted in the online reservation webpage through the input module of the client device 210, and can transmit the inputted reservation data to the bank server 220 through the communication interface of the client device 210. The reservation data mentioned in the present invention includes the business to be handled (also referred to as the reservation business in the present invention), the check-in location, and the reservation time, but the present invention is not limited thereto. In some embodiments, the service reservation module 213 can also provide the setting or adjustment of the reservation range or the reservation distance of the branch selected for reservation.

The service reservation module 213 is also responsible for providing a bank branch to be selected as a reservation branch from the obtained branch information list in the online reservation webpage through the input module of the client device 210. For example, the service reservation module 213 can display the bank branches recorded in the branch information list in order according to the branch name or branch location information and the distance of the check-in location in the reservation data in the online reservation webpage, so as to provide a bank branch to be selected as a reservation branch from the online reservation webpage, but the present invention is not limited thereto.

The message notification module 215 is responsible for generating a corresponding notification message according to the reservation data input by the service reservation module 213 and the reservation branch selected, and is responsible for transmitting the generated notification message to the bank server 220 through the communication interface of the client device 210. The notification message generated by the message notification module 215 can record the reservation business and reservation time input by the service reservation module 213 and the reservation branch selected by the service reservation module 213. For example, the notification message can include branch identification data of the reservation branch, business identification data of the reservation business, and reservation time.

The bank server 220 can be located in the information management department of the bank, but the present invention has no particular limitation.

The bank server 220 is responsible for providing the branch information list to the customer device 210, and may also transmit data or signals between the customer device 210 and the branch service host 230. In some embodiments, the processing module of the bank server 220 may also include a list generation module 221, a reservation service module 223, and an additional customer analysis module 227.

The list generation module 221 is responsible for generating a branch information list according to the reservation data received by the communication interface of the bank server 220. For example, the list generation module 221 can obtain the business identification data of the reservation business received by the communication interface of the bank server 220, the location data of the check-in location, and the scheduled time, and can also obtain the branch location information of all bank branches from the storage medium of the bank server 220, and can filter out all bank branches whose locations are included in the predetermined distance or predetermined range around the location data of the obtained check-in location as the center point according to the obtained branch location information. Then, the list generation module 221 can also transmit the obtained business identification data and the scheduled time of the reserved business to the branch service host 230 corresponding to the selected bank branch through the communication interface of the bank server 220, so as to inquire the branch service host 230 corresponding to the selected bank branch whether the service of handling the reserved business can be provided at the scheduled time. Then, the list generation module 221 can also obtain the query result returned by the branch service host 230 received by the communication interface of the bank server 220, and when it is determined that the query result obtained indicates that the appointment service can be provided at the agreed time, the branch information of the bank branch corresponding to the branch service host 230 that returns the query result is added to the branch information list to generate the branch information list. Among them, the list generation module 221 can directly query the branch service host 230 whether the appointment service can be provided at the appointment time to obtain the query result; the list generation module 221 can also query the branch service host 230 about the number of appointments that handle the appointment service at the appointment time, and can determine whether the number of appointments recorded in the query result exceeds the scheduled number of appointments. If not, it is determined that the appointment branch corresponding to the branch service host 230 can provide the appointment service at the appointment time. Otherwise, it is determined that the appointment branch cannot provide the appointment service at the appointment time.

The reservation service module 223 is responsible for obtaining the notification message received by the communication interface of the bank server 220, generating check-in identification data according to the received notification message, and transmitting the generated check-in identification data to the customer device 210 and the branch service host 230 corresponding to the reservation branch recorded in the notification message through the communication interface of the bank server 220. The check-in identification data generated by the reservation service module 223 can record the reservation business and the reservation time. In some embodiments, the reservation branch and the reservation customer can also be recorded. For example, the check-in identification data can include the business identification data of the reservation business included in the notification message, the reservation time, the branch identification data of the reservation branch, the customer identification data of the user, etc.; the check-in identification data can record the above data through text, such as recording the above data with a string composed of a certain number of English letters and numbers; the check-in identification data can also record the above data through graphics, such as using a one-dimensional barcode or QR-code to record the above data, etc., but the check-in identification data mentioned in the present invention is not limited to the above.

The customer analysis module 227 can obtain the customer data of the user of the customer device 210 from the bank customer database through the communication interface of the bank server 220, and can perform statistical analysis on the obtained customer data to generate marketing analysis data, and can also transmit the generated marketing analysis data to the branch service host 230 through the communication interface of the bank server 220. Among them, the marketing analysis data can be provided to the bank's service specialists to market bank products to bank customers.

The branch service host 230 corresponds to the appointment branch selected by the customer device 210. The branch service host 230 can be set in the same department as the bank server 220, or can be set in a corresponding bank branch, and the present invention has no particular limitation.

The branch service host 230 is responsible for providing the user of the client device 210 with the scheduled branch selected by the client device 210 to check in, and notifying the pre-arranged service specialist to provide the service of handling the pending business. In some embodiments, the processing module of the branch service host 230 may also include a check-in identification module 233, a service notification module 237, and an additional task assignment module 235.

The check-in identification module 233 is responsible for obtaining the check-in identification data and the customer check-in data, and determining whether the obtained customer check-in data is consistent with the obtained check-in identification data. Among them, the check-in identification module 233 can obtain the check-in identification data received by the communication interface of the branch service host 230; the customer check-in data obtained by the check-in identification module 233 can come from the communication interface of the branch service host 230, or from itself. In more detail, the customer check-in data can be input at the appointment branch selected by the customer device 210, that is, the customer check-in data can be input through the input device or computing device set in the appointment branch, and transmitted to the branch service host 230, so that the customer check-in data is received by the communication interface of the branch service host 230.

In some embodiments, the check-in recognition module 233 can also determine whether the user of the customer device 210 has arrived at the reserved branch based on the facial image captured by the camera installed at the door of the reserved branch selected by the customer device 210. For example, the check-in recognition module 233 can capture image features from the facial image captured by the camera, and compare the captured image features with the facial features stored in the customer database (not shown). When the captured image features match the facial features stored in the customer database, it is determined that the user of the customer device 210 has arrived at the reserved branch. Among them, the check-in recognition module 233 can be connected to the customer database through the communication interface of the branch service host 230 to obtain facial features, or can transmit the image features to the feature matching system that can access the customer database through the communication interface of the branch service host 230, so as to compare the image features with the facial features stored in the customer database through the feature matching system.

The check-in identification module 233 can also obtain corresponding check-in identification data based on the image features of the acquired facial image when determining that the user of the customer device 210 has arrived at the appointment branch selected by the customer device 210 (such as downloading the device identification data of the customer device 210 recorded in the customer data whose facial features and image features match from the customer database through the communication interface of the branch service host 230, and reading the corresponding check-in identification data from the storage medium of the branch service host 230 based on the downloaded device identification data, but the present invention is not limited to this), and can use the read check-in identification data as the received customer check-in data.

The task assignment module 235 can obtain the notification message received by the communication interface of the branch service host 230, and pre-arrange (assign) a service specialist according to the appointment business and appointment time recorded in the obtained notification message, for example, record the appointment time and the bank employee identification data of the assigned service specialist.

When the check-in identification module 233 determines that the obtained customer check-in data matches the obtained check-in identification data, the task assignment module 235 can also further determine whether the current time matches the customer check-in data and the appointment time recorded in the check-in identification data, that is, determine whether the current time is within a predetermined time before or after the appointment time.

The task assignment module 235 can also obtain the average service time of the pre-arranged service specialist for the banking business currently served by the customer when the check-in identification module 233 determines that the obtained customer check-in data matches the obtained check-in identification data. For example, the task assignment module 235 can read the service time data of the service specialist in the past handling the same banking business from the storage medium of the branch service host 230 or from the bank's internal database (not shown) through the communication interface of the branch service host 230, and calculate the average service time based on the read service time data, but the present invention is not limited to this.

When the check-in identification module 233 determines that the obtained customer check-in data matches the obtained check-in identification data, the task assignment module 235 can also obtain the service status of the pre-arranged service specialist, and can determine whether to arrange the same service specialist based on the obtained service status of the service specialist. For example, the service status of the service specialist can include whether the customer is currently being served, the service start time of the current customer, or the service elapsed time; the task assignment module 235 can also choose whether to arrange the same service specialist based on service time information such as the time difference between the current time and the scheduled time, the time difference between the current time and the service start time, and the calculated average service time.

The task assignment module 235 can also arrange a dedicated service counter when it is determined that the current time matches the appointment time and another service specialist needs to be assigned based on the service status of the service specialist. For example, the task assignment module 235 can read the appointment information and current usage status of each service counter from the storage medium of the branch service host 230, and select the service counter that can be assigned based on the average service time of another service specialist for the appointment business, the time difference between the appointment time of each service counter that is not currently in use and the current time.

The service notification module 237 can generate reminder messages. The reminder message can prompt a specific service specialist to provide the service of handling the appointment business. For example, the service notification module 237 can generate a reminder message to prompt the pre-arranged service specialist to provide the service of handling the appointment business when it is determined that the current time matches the appointment time. The service notification module 237 can also generate a reminder message to prompt another service specialist to use a dedicated service counter to provide the service of handling the appointment business when it is determined that the current time matches the appointment time and it is determined that another service specialist needs to be arranged to provide the service based on the service status of the service specialist. The service notification message 237 can also generate a reminder message to prompt another service specialist to provide the service of handling the appointment business when it is determined that the current time does not match the appointment time, that is, when it is determined that the current time is earlier or later than the appointment time by a predetermined time.

The service notification module 237 can also provide the generated reminder message to a specific service specialist through the communication interface of the branch service host 230. The service notification module 237 can connect to the bank staff database (not shown) through the communication interface of the branch service host 230 to obtain the service specialist's communication data (also referred to as bank staff communication data in the present invention), wherein the bank staff communication data can be the network location of the work terminal such as the computer or mobile device used by the service specialist. If the work terminal is a mobile device, the bank staff communication data can also be a mobile phone number or an application ID. The service notification module 237 can also provide reminder messages to the service specialists in a corresponding manner through the communication interface of the branch service host 230 according to the acquired communication data, for example, by sending the reminder messages to the work terminals used by the service specialists for display through a specific instant messaging service or SMS or application push.

Next, an embodiment is used to explain the operating system and method of the present invention, and please refer to "Figure 3A" for a flow chart of the method of making an online reservation for a bank branch on a web page to handle banking business. In this embodiment, it is assumed that the client device 210 is a computer.

When a bank customer uses the present invention to make an appointment for a banking service, the bank customer (user) can operate the customer device 210 to connect to the bank server 220, so that the bank server 220 provides the online appointment webpage to the customer device 210. The customer device 210 can display the received online appointment webpage, and can provide the user with the appointment information such as the appointment service, the check-in location, and the appointment time, and can transmit the entered appointment information to the bank server 220 (step 310). In this embodiment, it is assumed that the reservation service module 223 of the bank server 220 can transmit the online reservation webpage to the client device 210 through the communication interface of the bank server 220, and the list generation module 221 of the bank server 220 can receive the reservation data including the reservation service, check-in location, and reservation time returned by the client device 210 through the communication interface of the bank server 220.

After the bank server 220 receives the scheduled service, check-in location, and scheduled time, the bank server 220 may generate a branch information list according to the received scheduled service, check-in location, and scheduled time (step 330), and may transmit the generated branch information list to the client device 210. In this embodiment, it is assumed that the list generation module 221 of the bank server 220 can generate a branch information list including branch information of one or more bank branches based on whether the bank branches located within a certain range of the check-in location can provide reservation services at the scheduled time, wherein the bank branches in the branch information list can be arranged according to the branch name of the bank branch or arranged from north to south according to the location of the bank branch or arranged from near to far according to the distance between the bank branch and the check-in location.

After the customer device 210 obtains the branch information list from the bank server 220 (step 330), the customer device 210 can select a branch for appointment from the branch information list, and can generate a notification message recording the appointment service, appointment time and the selected appointment branch, and can transmit the generated notification message to the bank server 220 (step 330). In this embodiment, it is assumed that the display module of the customer device 210 can display a branch information list on the online reservation webpage, and the input module of the customer device 210 can provide the user with the option of selecting one of the bank branches displayed on the online reservation webpage as the reservation branch. The service reservation module of the customer device 210 can generate a notification message including the business identification data of the reserved business, the reservation time, and the branch identification data of the selected reservation branch.

After the bank server 220 receives the notification message generated by the client device 210, the bank server 220 may generate check-in identification data, and may transmit the generated check-in identification data to the client device 210 and the branch service host 230 corresponding to the appointment branch recorded in the notification message (step 350). In this embodiment, assuming that the appointment service module 223 of the bank server 220 can generate check-in identification data in the form of a QR-code, the communication interface of the bank server 220 may transmit the check-in identification data generated by the appointment service module 223 to the client device 210 and the branch service host 230.

After the client device 210 receives the check-in identification data transmitted by the bank server 220, the received check-in identification data can be displayed to provide the user with check-in. In this embodiment, it is assumed that the user can use the mobile device (not shown) to capture an image containing the check-in identification data displayed by the display module of the client device 210.

After the branch service host 230 receives the check-in identification data transmitted by the bank server 220, it can assign a service specialist familiar with handling reservation services, or wait to receive the customer check-in data input by the user of the customer device 210 at the corresponding bank branch (reservation branch) (step 360). In this embodiment, it is assumed that after the user arrives at the appointment branch at the appointment time, the check-in identification data received by the customer device 210 can be provided to the check-in device or equipment (such as an input device or a computing device) installed in the appointment branch. For example, the image containing the check-in identification data displayed by the customer device 210 captured by the mobile device is provided to the check-in device or equipment for scanning, so that the check-in device or equipment can use the scanned image containing the check-in identification data as the customer check-in data and transmit the customer check-in data generated by the scan to the branch service host 230. The communication module of the branch service host 230 can then receive the customer check-in data transmitted by the check-in device or equipment installed in the appointment branch.

After the branch service host 230 receives the customer registration data, the branch service host 230 can determine whether the received customer registration data matches the registration identification data previously received from the bank server 220 (step 370). In this embodiment, it is assumed that the registration identification module 233 of the branch service host 230 can determine whether the customer registration data received by the communication interface of the branch service host 230 matches the registration identification data previously generated by the registration identification module 233. If the customer registration data does not match any registration identification data, the service notification module 237 of the branch service host 230 can generate an error message and the branch service host The communication interface of the branch service host 230 transmits the error message generated by the service notification module 237 back to the registration device or equipment installed in the appointment branch, so that the user can know the registration failure through the error message displayed by the registration device or equipment. If the customer registration data matches one of the registration identification data, the branch service host 230 can notify the pre-arranged service specialist to provide the user with the reservation service (step 380). In this embodiment, it is assumed that the service notification module 237 of the branch service host 230 can generate a reminder message to remind the pre-arranged service specialist to provide service and the communication interface of the branch service host 230 transmits the reminder message to the service specialist.

Thus, through the present invention, when a user who has made an appointment to handle pending business arrives at the branch at the scheduled time, a service specialist can directly provide the user with the service of handling pending business.

In the above embodiment, as shown in "FIG. 3B" and "FIG. 3C", after the check-in identification module 233 of the branch service host 230 determines that the customer check-in data matches the check-in identification data (step 370), the check-in identification module 233 can determine whether the current time is earlier or later than the appointment time (step 371). If not, that is, the user arrives at the appointment branch on time or within a certain time range before or after the appointment time, the task assignment module 235 of the branch service host 230 can further It is determined whether another service specialist needs to be assigned based on the service status of the pre-arranged service specialist (step 375). For example, the task assignment module 235 can determine whether the pre-arranged service specialist is currently handling banking business for other customers, and whether the time difference between the current time and the service start time of the service specialist for the customer and the calculated average service time of the service specialist for the banking business is within a predetermined value. If so, the task assignment module 235 can choose to assign the same service specialist to the branch service. The service notification module 237 of the branch service host 230 can generate a reminder to the pre-arranged service specialist to continue to provide the user of the customer device 210 with the scheduled service after completing the banking business handled by the current customer (step 380), and can provide the generated reminder message to the pre-arranged service specialist through the communication interface of the branch service host 230; and if the task assignment module 235 determines that the time difference between the current time and the service start time and the difference between the average service time exceed the predetermined value, The task assignment module 235 can choose to arrange another service specialist who is not currently providing customer service or is about to complete customer service, and can arrange a dedicated service counter. The service notification module 237 of the branch service host 230 can generate a prompt to the rescheduled service specialist to use the dedicated service counter to provide the user of the customer device 210 with the reservation service (step 387), and the generated prompt message can be provided to the rescheduled service specialist through the communication interface of the branch service host 230.

In addition, when the task assignment module 235 of the branch service host 230 determines that the current time is earlier or later than the appointment time (step 371), the task assignment module 235 can also obtain the service status of the pre-arranged service specialist, and further determine whether to arrange the same service specialist to provide the user of the customer device 210 with the appointment service based on the obtained service status (step 373). For example, when it is determined that the difference between the current time and the appointment time is greater than the time threshold and the pre-arranged service specialist is serving other customers, another service specialist is chosen to be arranged; or when it is determined that the difference between the current time and the appointment time is greater than the time threshold but less than the time threshold, the same service specialist is chosen to be arranged, etc. If the task assignment module 235 chooses to arrange the same service specialist, the service notification module 237 of the branch service host 230 can generate a reminder message to remind the pre-arranged service specialist to provide the user of the customer device 210 with the service for handling the appointment business (step 371), and the generated reminder message can be provided to the pre-arranged service specialist through the communication interface of the branch service host 230; and if the task assignment module 235 can choose to arrange another service specialist, the service notification module 237 can generate a reminder message to remind another re-arranged service specialist to provide the user of the customer device 210 with the service for handling the appointment business (step 379), and the generated reminder message can be provided to the re-arranged service specialist through the communication interface of the branch service host 230.

In addition, in the above-mentioned embodiment, before the bank server 220 transmits the check-in identification data to the branch service host 230 corresponding to the appointment branch (step 350), the customer analysis module 227 of the bank server 220 can also obtain the customer data of the user of the customer device 210 from the bank customer database through the communication interface of the bank server 220 (step 410), and can analyze the obtained customer data to generate marketing analysis data, and can also transmit the generated marketing analysis data through the communication interface of the bank server 220. To the branch service host 230 (step 420), thereafter, the communication interface of the branch service host 230 can provide the marketing analysis data received from the bank server 220 to the service specialist after arranging a service specialist to provide the user of the customer device 210 with the service of handling the reservation business or when notifying the service specialist to provide the user of the customer device 210 with the service of handling the reservation business (step 390), so that the service specialist can recommend the user the bank products that the user may be interested in based on the obtained marketing analysis data when providing the service of handling the reservation business (step 430).

In summary, the difference between the present invention and the prior art is that the bank server provides an online reservation webpage for the customer device to input the reservation business, the check-in location and the reservation time to generate a branch information list, and after the check-in identification data is generated according to the reservation branch selected from the branch information list, when the user of the customer device enters the customer check-in information at the reservation branch, if the branch service host determines that the check-in identification data received from the bank server matches the customer check-in data, the service specialist is notified to serve the user to handle the reservation business. This technical means can solve the problem of the prior art that after taking a number online, the customer still has to wait at the branch, thereby achieving the technical effect of increasing the customer service experience.

Furthermore, the method of making online appointments with bank branches on a webpage for conducting banking business of the present invention can be implemented in hardware, software, or a combination of hardware and software, and can also be implemented in a centralized manner in a computer system or in a decentralized manner with different components distributed in a number of interconnected computer systems.

Although the implementation methods disclosed in the present invention are as above, the contents described are not intended to directly limit the scope of patent protection of the present invention. Any person with common knowledge in the technical field to which the present invention belongs, without departing from the spirit and scope disclosed by the present invention, makes slight changes and modifications to the implementation of the present invention in form and details, which are all within the scope of patent protection of the present invention. The scope of patent protection of the present invention shall still be based on the scope defined in the attached patent application.

100: Computing device 110: Memory module 130: Communication interface 140: Storage medium 150: Input module 160: Output module 170: Processing module 190: Bus 210: Customer device 213: Service reservation module 215: Message notification module 220: Bank server 221: List generation module 223: Reservation service module 227: Customer analysis module 230: Branch service host 233: Check-in identification module 235: Task assignment module 237: Service notification module Step 310: The bank server provides an online reservation webpage and receives the reservation service, check-in location and reservation time entered by the customer device through the online reservation webpage Step 330: The bank server generates a branch information list based on whether the bank branches located within a certain range of the check-in location can provide reservation services at the scheduled time Step 340: The customer device selects a bank branch as the reservation branch from the branch information list and sends a notification message to the bank server Step 350: The bank server generates check-in identification data based on the notification message and sends the check-in identification data to the customer device and the branch service host of the reservation branch Step 360: The branch service host waits for the customer registration data entered at the appointment branch Step 370: The branch service host determines whether the customer registration data matches the registration identification data Step 371: The branch service host determines whether the current time is earlier or later than the appointment time Step 373: The branch service host determines whether to arrange the same service specialist based on the service status of the service specialist Step 375: The branch service host determines whether to arrange another service specialist based on the service status of the service specialist Step 381: Generate a reminder message to prompt another service specialist to serve the user to handle the appointment business Step 385: Arrange another service specialist and a dedicated service counter Step 389: Prompt another service specialist to use a dedicated service counter to serve the user to handle the appointment service Step 390: The branch service host notifies the pre-arranged service specialist to provide the appointment service Step 410: The bank server obtains the customer data of the user from the customer device Step 420: The bank server analyzes the customer data to generate marketing analysis data and transmits the marketing analysis data to the branch service host Step 430: The branch service host provides the marketing analysis data to the service specialist so that the service specialist can market to the user based on the marketing analysis data

FIG. 1 is a schematic diagram of the hardware components of the computing device proposed in the present invention. FIG. 2 is a system architecture diagram of the webpage online appointment bank branch for handling banking business proposed in the present invention. FIG. 3A is a flow chart of the method of the webpage online appointment bank branch for handling banking business proposed in the present invention. FIG. 3B is a flow chart of the service method of the present invention for arriving at the bank branch earlier or later than the appointment time. FIG. 3C is a flow chart of the service method of the present invention for arriving at the bank branch at the time that meets the appointment time. FIG. 4 is a flow chart of the method of providing marketing analysis data to service specialists for marketing proposed in the present invention.

Step 310: The bank server provides an online reservation webpage and receives the reservation service, check-in location and reservation time entered by the customer device through the online reservation webpage.

Step 330: The bank server generates a branch information list based on whether the bank branches located within a certain range of the check-in location can provide appointment services at the scheduled time.

Step 340: The customer device selects a bank branch from the branch information list as the appointment branch and sends a notification message to the bank server

Step 350: The bank server generates check-in identification data based on the notification message and transmits the check-in identification data to the customer device and the branch service host of the appointment branch

Step 360: The branch service host waits for the customer registration information to be entered at the appointment branch

Step 370: The branch service host determines whether the customer's registration information matches the registration identification information.

Step 390: The branch service host notifies the pre-arranged service specialist to provide the appointment service.

Claims (10)

A method for conducting banking business by making online reservations at bank branches on a webpage, the method comprising at least the following steps: a bank server provides an online reservation webpage, and receives a reservation business, a check-in location, and a scheduled time input by a customer device through the online reservation webpage; the bank server generates a branch information list based on whether each bank branch located within a predetermined range of the check-in location can provide the service of the reservation business at the scheduled time, the branch information list comprising up to The client device selects the at least one bank branch from the branch information list as a scheduled branch and sends a notification message to the bank server, the notification message records the scheduled business, the scheduled branch, and the scheduled time; the bank server generates a check-in identification data according to the notification message and sends the check-in identification data to the client device and communicates with the scheduled branch. The branch service host receives a customer check-in data inputted at the appointment branch; when the branch service host determines that the customer check-in data matches the check-in identification data, the branch service host obtains the appointment time according to the customer check-in data and determines that a current time is earlier or later than the appointment time, and selects whether to maintain the arrangement of the service specialist to provide service according to a service status of the service specialist, wherein the service status includes whether the service specialist is serving other customers, the start time of the service specialist serving other customers, and the average service time of other customers served by the service specialist; When the service specialist is selected to be arranged, a reminder message is generated to remind the service specialist to continue to serve a user of the customer device, and to notify a pre-arranged service specialist to provide the service for handling the scheduled business; and when another service specialist is selected to provide service, a reminder message is generated to remind the other service specialist to serve the user. A method for conducting banking business by making online reservations at a bank branch via a webpage as described in claim 1, wherein the bank server receives the reservation business input by the customer device via the online reservation webpage, and further includes the step of the customer device obtaining a list of business items from the bank server and selecting the reservation business from the list of business items. A method for making an online appointment at a bank branch to handle banking business as described in claim 1, wherein after the branch service host determines that the customer's registration information matches the registration identification information, the branch service host further includes the step of selecting another service specialist and a dedicated service counter when the service specialist is unable to complete the current service work within a certain period of time based on the service status of the service specialist, and generating a prompt message to prompt the other service specialist to provide service at the dedicated service counter. A method for conducting banking business by making an online appointment with a bank branch on a webpage as described in claim 1, wherein the bank server transmits the check-in identification data to the branch service host corresponding to the branch for the appointment, and further comprises the step of the bank server obtaining a customer data of a user of the customer device and analyzing the customer data to generate a marketing analysis data, and transmitting the marketing analysis data to the branch service host, and the branch service host providing the marketing analysis data to the service specialist so that the service specialist conducts marketing to the user according to the marketing analysis data. The method of making an online appointment at a bank branch on a webpage to conduct banking business as described in claim 1, wherein the branch service host receives the customer registration data input at the appointment branch, and further includes the step of the branch service host receiving a facial image captured by a camera installed at the door of the appointment branch, and judging based on the facial image that a user of the customer device has arrived at the appointment branch, and reading the registration identification data based on the facial image to generate the customer registration data. A system for making online reservations with bank branches on a webpage to handle banking services, the system at least comprising: a customer device; a bank server for providing an online reservation webpage to the customer device, receiving a reservation service, a check-in location and a scheduled time input by the customer device through the online reservation webpage, and generating a branch information list based on whether each bank branch located within a predetermined range of the check-in location can provide the reservation service at the scheduled time, and providing the branch information list to the customer device, the branch The information list includes branch information of at least one bank branch, the at least one bank branch can provide the scheduled service at the scheduled time, and is used to receive a notification message generated after the customer device selects the at least one bank branch as a scheduled branch from the branch information list, and generates a check-in identification data according to the notification message and transmits the check-in identification data to the customer device, the notification message records the scheduled service, the scheduled branch, and the scheduled time; and a branch service host corresponding to the scheduled branch, which is used to Provide the bank server to query whether the appointment branch can provide the appointment service at the scheduled time, and receive the check-in identification data sent by the bank server, and receive a customer check-in data input at the appointment branch, and when it is determined that the customer check-in data matches the check-in identification data, obtain the appointment time according to the customer check-in data and determine whether the current time is earlier or later than the appointment time, according to the service status of one of the service specialists, choose whether to maintain the arrangement of the service specialist to provide service, and when it is selected When the service specialist is arranged, a reminder message is generated to remind the service specialist to continue to serve the user of the customer device, and a pre-arranged service specialist is notified to provide the service for handling the appointment business. When another service specialist is selected to provide service, a reminder message is generated to remind the other service specialist to serve the user, wherein the service status includes whether the service specialist serves other customers, the start time of the service specialist serving other customers, and the average service time for handling business for other customers served by the service specialist. A system for conducting banking business by making online appointments with bank branches on a webpage as described in claim 6, wherein the bank server is further used to obtain customer data of a user of the customer device and analyze the customer data to generate marketing analysis data, and transmit the analysis result to the branch service host, and the branch service host is further used to provide the marketing analysis data to the service specialist so that the service specialist can market to the user based on the marketing analysis data. A system for making online appointments with bank branches on a webpage to handle banking business as described in claim 6, wherein the branch service host is further used to select another service specialist and a dedicated service counter when it is determined based on the service status of the service specialist that the service specialist cannot complete the current service work within a certain period of time, and generate a reminder message to prompt the other service specialist to provide service at the dedicated service counter. A system for making online reservations at bank branches for conducting banking business as described in claim 6, wherein the customer device is further used to adjust the reservation range. A system for conducting banking business by making online reservations at bank branches on a webpage as described in claim 6, wherein the branch service host is further used to receive a facial image captured by a camera installed at the door of the reservation branch, and to determine that a user of the customer device has arrived at the reservation branch based on the facial image, and when it is determined that the user has arrived at the reservation branch, the check-in identification data is read based on the facial image, and the read check-in identification data is used as the customer check-in data.

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