Solution

I. System Overview

Smart finance relies on the Internet and uses financial technology means such as big data, artificial intelligence, and cloud computing to make smart finance transparent, convenient, flexible, immediate, efficient, and safe, and realize intelligent functions such as financial products, risk control, customer acquisition, services, and data informatization.

II. System Block Diagram

In smart finance, it is more convenient for users. Users no longer need to line up for several hours at bank branches for saving money or taking out loans. In the smart financial system, users can apply financial services more conveniently. After financial institutions obtain sufficient information, they can respond immediately through big data statistical analysis and decision-making, provide targeted services for users, and meet user needs. In addition, the open platform integrates various financial institutions and intermediary institutions, and can provide users with rich and colorful personalized financial services for users to freely choose and combine. When providing services to users, financial institutions rely on big data credit reporting to make up for the imperfection of my country's credit reporting system. There are more data dimensions for risk control, more accurate decision-making judgments, and better anti-fraud results. On the other hand, Internet technology provides more comprehensive protection for user information and fund security.

III. System Application

The intelligent branch is an innovative service that combines manual service and self-service banking services. Different from traditional bank branches, most of the business of intelligent branches is completed through intelligent self-service equipment. Through intelligent equipment, the bank's online channels are linked with offline self-service equipment and manual tellers, and an innovative service model of "intelligent self-service + manual assistance + seamless connection" is introduced. This model changes the past partition setting of counters lined up and waiting for customers to come, and transforms it into intelligent equipment to identify and guide customers and provide active services. Branch tellers walk out of the window and communicate with customers at zero distance, solving the current problems of bank transformation, personnel adjustment, and service bottlenecks, effectively promoting the operation and development of branches, and realizing intelligent management and value creation of branches. The combination of personnel and equipment reduces labor costs and improves efficiency and service quality.

IV. Application Scenarios

Our company's embedded motherboards have been widely used in the financial industry such as ATMs, VTMs, card issuers, query machines, intelligent counters, ticket terminals, queuing machines, industry and commerce, taxation, etc.