Application of Internet of Things RFID Technology in Bank Treasury Business Management


First, the application summary

The RFID-based treasury logistics management integrated management platform system realizes the information flow management and logistics electronic transfer of the bank's resources for the warehousing and storage, the real-time inventory and supervision of the warehouse materials, and the cash box in the centralized management mode. The maintenance of the maintenance of the flow control and the management of the bank's door-to-door collection business, and the introduction of electronic tags to achieve accurate tracking and management of the distribution link, with the help of technical means and software platforms, further improve the automation and intelligence of business processing, and uniformly distribute related business resources. Reduce the difficulty of business management, improve the efficiency of business operations, and effectively control all kinds of human error and risk, achieve intensive management, and meet the bank's control requirements for treasury logistics.

At the same time the main realization:

1. Strengthen the collection and analysis of cash flow information flow, and establish a data collection and analysis mechanism;

2. Standardize business operations in various process positions, reduce manual intervention, and effectively control various types of human error and risk;

3. Establish electronic handover through RFID technology to realize electronic and batch reading of the handover process and improve logistics distribution efficiency;

4. All departments of the Bank can centrally manage the physical storage, distribution, handover, statistics, inquiries, and tracking;

5. Establish a management model for inventory, strengthen inventory control and account verification;

6. Separation of front-office operations and back-office business planning, scheduling, background accounting processing, and clearing, to achieve separation of operations 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 brought by the loss of identity authentication;

8. According to the actual logistics transfer and business execution links, control the physical handover error, real logistics, information flow, account flow, through the system to link the three to automatically control the processing, to avoid the actual business operation process in the transfer demand does not match the real thing The physical inventory does not match the related accounts.

Second, the application of RFID technology in the management of vaults

Through the entire process of the RFID technology platform, the management of the treasury related resources, such as the inbound and outbound delivery, delivery and other services, including task initiation, task approval, task execution, task tracking, task completion, and other custody, library and other functions; improve the speed, efficiency, and correct operation Rate and integration of information, improve the accuracy of the vault management and the convenience of operation, and reduce data errors and delays.

The treasury resource loads the RFID electronic tag to have a unique identity, providing technical support for the fine management of the vault, making the resource real-time, recordable, inventoryable and traceable.?Reduce the dependence on people in daily work, reduce human error; automatically read and export materials to reduce warehousing and outbound errors; also facilitate real-time reconciliation between treasury and finance.

Inbound and outbound management

The inbound and outbound resources can batch read the resource information through the channel card reader, and the system automatically records the inbound and outbound log information (when the value library manager, the pickee, the handover time, the specific task details, the resource details), automatically Generate an inbound report and automatically compare it with the original task schedule.?For some abnormal situations that occur during the process of entering and leaving the warehouse, such as resource loss or illegal resource in and out of the library, the system can automatically alert the parallel monitoring system and send an alarm signal.

2. Transfer management

Each time the position of the vault resource changes in the vault, it can be tracked and confirmed by the RFID electronic tag, and the system will automatically update the position change data in the system.

3. Library management

The management of the library is based on the rules and regulations of the treasury management, and the regular periodic inventory of the treasury resources is carried out in order to keep abreast of the current status of the treasury materials.?When the library is in use, the RFID electronic scanner is used to scan the required inventory resources, and the system automatically counts and records the current location information of the resource, and compares with the system resources to automatically generate a comparison report.

4. Inventory inquiry

For the treasury resources in accordance with the rules and regulations of the treasury, when routine sampling, the PDA, electronic scanner can be used to scan the resources, read the resource information, and compare the details of the resource with the system.

5. Inventory warning

The treasury resource can set the resource warning value. When the inventory quantity is less than or greater than the set warning value in the inventory and inventory query, the system will prompt the administrator that the quantity of the resource has been lower or higher than the set warning value, which is convenient for the warehouse. The administrator adjusts the amount of vault resource storage.

6. Personnel authentication

When the treasury is far away from the warehouse, the RFID device is directly scanned by the scanning device and compared with the personnel information recorded in the system, such as gender, name, age, photo, etc., to facilitate quick and accurate identification. verification.

System value:

1. Improve work efficiency

All resources in the inbound and outbound warehouses can be bulked out and stored in the library, and the number of resource information statistics resources can be read directly through the channel card reader.?In the library, the RFID electronic tag of the resource is directly scanned by the handheld scanning device, and the resource information and the amount of resources that need to be counted are directly read.?All of these have changed the traditional means of relying on artificial means, confirming and counting resource information one by one, and improving work efficiency.

2. Improve accuracy and reduce error rate

The information of the inbound and outbound resources and the inventory resources of the inventory have changed the way of inventory, confirmation and registration by traditional manual means, and directly confirm and count the information by scanning the RFID electronic tag information.?The personnel of the handover parties also changed the way of confirming by the traditional identity card, and directly read, compare and confirm the personnel information by scanning the RFID identity card.?Improve the accuracy of resource inbound and outbound verification and personnel authentication.

3. Improve safety and reduce risk

The treasury logistics management system and the monitoring system are connected, and the real-time screen monitoring is performed on the warehousing and delivery site. At the same time, when the resource is warehousing and the resource information is confirmed, and the abnormality of the handover personnel is confirmed when the transfer is completed, the monitoring system can be passed. The alarm device is connected for early warning and alarm, which improves the security of the warehouse management.

Third, the application of RFID technology in ATM banknote management

The problems that banks currently face in banknote management include:

1. Manual assignment of all parts of the operation, data dispersion is difficult to automate delivery

2, can not timely monitor the implementation of the task to achieve background business supervision

3, can not timely monitor the state of the cash box resources, such as cash box positioning (in the library, in transit, on-the-spot, etc.)

4. It is difficult to control the process of receiving and paying sensitive resources. The number and type of manual cash registers are prone to errors and take a long time. The collection and return of keys cannot be controlled (such as key replacement, less payment, etc.)

5. Collaboration between departments is inefficient, such as the transfer, recording, and accounting check of a large number of cash units.

6. Data collection and analysis of business operations cannot be performed (such as periodic banknotes, banknotes, banknotes, traffic, business efficiency, business errors)

With the increase in the volume of ATMs in banks and the centralized management of equipment, it is urgent to realize the integration of "management, control, and battalion" of "safe, efficient, energy-saving, and environmentally friendly" for self-service equipment.?A large amount of resources are being transferred in daily operations in order to improve work efficiency, safety and accuracy.?It can centrally manage and monitor the cash box, spare box and various types of boxes in the operation flow.

Sichuan Jintou Finance introduced RFID electronic label technology to identify each important resource.?The automatic scanning device is used in the process of forwarding to quickly and efficiently read the identity of the resource, and has reached the goal of fast and efficient work and monitoring.

The main functional modules of the system include: system information management module, plan management module, banknote and tail box inventory module, inbound and outbound transfer management module, cash container, outbound and inbound warehouse identification, cash unit lifecycle management module, remote Dynamic encryption lock module, task management module, non-technical maintenance module, error account and handling customer complaints, swallowing card processing module, business management report module, business supervision module, etc.

System value:

1. Perfect ATM cleaning business management plan, from planning - banknotes - scheduling - resource collection - field operations - resource return - inventory reconciliation (error handling), seamless integration with dynamic password lock;

2. Strict resource handover verification, automatic and fast and accurate scanning to verify the quantity and type of resources;

3, real-time comprehensive business execution tracking, each step of execution can be monitored in the background;

4, complete tasks and various resource circulation history records, can be traced; real-time monitoring of the entire life cycle of the cash box and ATM machine (including business flow status).

5, flexible authority system (except task module, task module has strict fine-grained permission control)

6, business statistics, cashbox usage statistics, ATM plus banknotes, the frequency of banknotes, the amount of banknotes, and provide an open business statistics interface, free to expand statistical data according to user needs.

7. Independent accounting check and clearing system, one machine and one check, line account summary check, daily account summary check; account processing is accurate, report data is comprehensive.

8. It can provide complete operational data analysis functions for ATM centralized banknotes, such as the amount of ATM equipment, the frequency of banknotes, and the amount of banknotes used during the period.

9. Perfect data encryption mechanism, symmetrically encrypt sensitive data during data transmission, and replace keys regularly.

Fourth, the application in the door-to-door collection business

In the door-to-door collection business, the most important is the two links, one is the verification of the identity information of the handover personnel, and the other is to record the information of the package information sold.?The personal identity information is also read by scanning the RFID identity card information and compared with the original information of the system.?The customer first records the package information that needs to be received through the online banking, and writes the relevant information into the RFID electronic tag.?After the packet is loaded, the RFID electronic tag representing the unique identification information of the package is loaded.?The door-to-door receiver directly scans the electronic tag on the package through the PDA, reads the information of the package, and compares it with the information of the background collection task in real time to confirm the accuracy of the information received.