Six Trends in Self-service Equipment Development
I. Concept and classification of self-service equipment
In terms of type, the Auto Machine is classified into an ATM (Automated Teller Machine), a Bank Self-service Machine (BSM), and the like. ATMs are self-service devices that provide cash self-service to customers, including ATMs (also known as ATMs, also referred to as ATMs), cash deposit machines (CDMs), deposit and withdrawal Machine (CRS, Cash Recycling System) and so on. ATMs are highly sophisticated mechatronic smart devices that use magnetic codes or smart cards for self-service financial transactions instead of bank counter staff. The cardholder can use ATM to make credit card or deposit card through ATM. The cardholder can automatically withdraw money, check the balance and transfer the money according to the password, and can also carry out such business as cash deposit, passbook replacement, password change, mobile phone recharge and check deposit. Self-service terminal is to provide customers with self-service non-cash-based self-service equipment, including payment machines, transfer ATM machines, remittance transfer remittance terminals.
From the brand point of view, can be divided into two categories of imported brands and domestic brands. At present, the main ATM suppliers on the market in China are still several such as GRG Banking, NCR, Hitachi, Fort Diy, Yuehua, Deli Rich, Royal Silver and Oriental Communications. According to the 2011 annual market sales of various manufacturers rankings, the top five are: GRG Banking, Hitachi, NCR, Yee, Fort Di. Among them, the domestic manufacturers of GRG Banking, with 17500 annual sales for the fourth consecutive year ranked first in China's ATM market sales. Hitachi to maintain sales of 14,000 units in the second year of the year; the traditional international ATM giant NCR to 12,000 units annual sales ranked third; sales of 8200 units in Yee Wah ranked fourth; Di Fort sales of 6,000 units a year, ranking Fifth place. Royal Bank, Oriental Communications sales were 3900 units and 3700 units throughout the year, ranking sixth and seventh place. Deli Rich and OKI annual sales of 3500 units and 3000 units, ranked eighth, ninth place, the ranking has declined. Overall, the top five ATM brands accounted for about 74% of the market share of the year, the competition is still relatively concentrated.
From the layout point of view, can be divided into the line type (On-Premise) and off-line (Off-Premise) two types, but also in the line style. Among them, in the line refers to the ATM located in the bank outlets; off-line ATM located outside the bank outlets, including hotels, shopping malls, restaurants, supermarkets, airports, railway stations, docks, schools, businesses, offices, cinemas, Residential areas, entertainment centers, 24-hour convenience stores and so on. Due to their different locations, different requirements are put forward on the effectiveness and timeliness of management. Therefore, they often adopt different management modes for both.
II. Development prospects of self-service equipment
In the area of self-service equipment, ATM is called the product with the highest set of management complexity and management processes because of its involvement in many aspects of cash management. In a sense, an ATM is a concentrated network of commercial banks that can undertake basic banking and is an important channel for banking services. Although, at present, commercial banks have also developed Teller Cash Recycler (TCR), a self-service device used to assist commercial bank tellers in handling cash transactions based on the basic principles of ATM. They have hybrid access and automatic authentication , Cash custody, automatic counting and other functions. In addition, commercial banks and equipment manufacturers have also developed self-service cash-handling businesses such as Auto Encapsulation Machine (AEM) and Auto Packing Machine (APM) and Night Cashbox  equipment. However, ATM is still distributed, using quantity, level of acceptance and awareness at a high level.
Since the Bank of China Zhuhai Branch first introduced ATMs in mainland China in 1986 and formally put it into operation in February 1987, ATMs in mainland China have been in use for nearly 30 years. The self-service equipment such as ATMs in China is developing rapidly. In 2011, China's banking industry continued its steady growth in procurement of self-service equipment. According to statistics, the annual growth rate of ownership in 2011 was about 23%, becoming the second largest ATM market in the world after the United States. For the domestic market, despite the rapid and rapid growth of China's ATM market in recent years, the number of ATMs per million people has more than doubled from 104 at the end of 2007 to 265 at the end of 2011. However, with the global average of one million There is a big gap between the coverage of 343 ATMs and the number of 1,450 units per million people in developed countries. According to the forecast of the relevant professional agencies, China will replace North America in the next five years and become the base of ATM and the largest ATM market in the world. According to our estimation, though the ATM growth in some developed countries will slow down in the next 10 to 30 years, ATM will continue to grow substantially on a global scale, especially in developing countries.
III. Development trend of self-service equipment
In summary, the reader will be more concerned about the future of self-service equipment, especially the development of ATM will show what kind of trend? What future self-service equipment to provide customers what kind of service? In the following, based on long-term practical experience and follow-up research, taking efficiency and safety into account, we summarize the future changes of the self-service equipment represented by ATM such as the type, function and model, as well as the equipment operation, process and service Such as equipment integration and external management of the development trend for your reference.
(A) Diversified types of self-service equipment
At present, self-service equipment involving cash business mainly includes automatic teller machines, automatic teller machines, deposit-withdrawal machines, teller cash recycler, self-service packer and the like. Involving non-cash self-service equipment mainly includes inquiry and payment machines, remittance and remittance machines, remittance remittance terminals, telephone banking terminals and queuing machines. However, the types of self-service equipment will surely be further enriched and show how far the development trend is. Taking the practice of some commercial banks in Japan as an example, the self-service equipment involving cash is mainly divided into three types: zero line, first line and second line. Among them, the zero-line equipment refers to customers for their own use and customer close contact with the self-service equipment, such as automatic teller machines, deposit and withdrawal machines and deposit and withdrawal amount of 100,000 yen or more large deposit machines (QCRS, Quantum Cash Recycling System), etc .; first-line equipment refers to the self-service equipment used by tellers, such as teller cash recycling machines, currency detectors, teller boxes, etc .; second-line equipment refers to the entire or multiple outlets using self-service equipment such as safes, Large and medium-sized machines , MBS cash register equipment. This series of different devices have improved the service system of self-service devices and enriched the service functions of self-service devices. Of course, we believe that the diversification of types of self-service equipment also means the improvement of the self-service equipment affinity, such as the self-service equipment in the form of cartoon characters, mascots and signs, etc., which help to enhance man-machine interaction and enhance the use of equipment rate.
(B) Diversified functions of self-service equipment
As a result, diversification of self-service devices will inevitably bring about the diversification of self-service devices, which can be regarded as the internal cause of diversified self-service device functions. From the diversified external drivers of self-service equipment functions, that is driving external factors, the diversification of customer needs and the rise in the business costs of traditional counter business of commercial banks have also driven commercial banks to develop comparable functions to self-service equipment. Take ATM as an example, in addition to the above-mentioned cardholder through ATM using credit card, savings card or even no media storage, according to the password set by the traditional way or customer fingerprinting, iris security, face recognition, vein recognition [ 3] and other more advanced integrated biometric technology for automatic withdrawal, check the balance, transfer transfer, cash deposit, passbook replacement, change the password, mobile phone recharge and other services, foreign ATMs can also use the check deposit and other cash business. In terms of diverse functions or rich business types, domestic ATMs are at the forefront of the world. In addition to the above services, ATM can provide comprehensive service functions such as wealth management services in addition to and in addition to currency information, inquiries, and identity authentication. In addition, ATMs can also be used to develop coupon prints and movie ticket purchases in accordance with the locations of ATMs to meet the needs of community residents Value-added service functions, providing outpatient registration, payment of hospital fees and other features in line with the hospital value-added services.
(C) Specialized self-service equipment models
So, does the change of function of self-service equipment indicate the concentration and concentration of the functions of self-service equipment model, which indicates that a self-service equipment can provide all the comprehensive financial services? In 2011, the joint development company of a commercial bank in Jiangsu Province of China launched its ATM shopping service, arousing widespread media attention. However, the result of such a comprehensive service, its efficiency and effectiveness are worth our consideration. Imagine, the general shopping customers will choose vending machines on the streets, retail stores, or large supermarkets, shopping sites or need relatively complex cumbersome operation, and there is a certain risk hidden ATM? We think: service concentration or integration only refers to the scale of business categories, but the ability to achieve economies of scale, but also the need for follow-up management support. Therefore, in terms of self-service equipment, professional equipment should be done professionally. This not only reflects the advantages of professional division of labor, but also takes into account the efficiency of professional services. For example, ATM focused on cash services, you should develop customer demand for cash deposit and withdrawal function, the first overall protection of customer cash service needs. The transfer, check, remittance and other needs can divert does not involve the cash business inquiry and payment machines, remittance machine, walk-in remittance terminals, telephone banking terminals to operate. If we allow customers to conduct a large number of non-existing business in ATM, not only reduce the efficiency of ATM services, weakening the quality of ATM services, but also increase the operating costs of ATM, and even restricted the satisfaction of other cash clients. In many developed countries, ATM has neither domestic functions such as inquiries, payment, nor shopping, coupon printing, product parity, cash rebates, discount points, accumulated points and other services.
(D) Intelligent operation of self-service equipment
Currently, the operation of self-service devices has shown a tendency to be intelligent. For example, the user interface will prompt the customer operation process, through dynamic icons to inform the customer's attention and so on. In our opinion, the future of self-service equipment will be more intelligent, you can achieve a wide range of tips, just like an intelligent robot, easier and easier to achieve the exchange of man-machine. For example, in the intelligent voice function, ATM can prompt customers to deposit and withdraw the money by using the voice prompt function, and must not carry envelopes, rubber bands, hair pins, plastic bags, transparent adhesive and other debris in the deposit and withdrawal, and do not use the damaged, wrinkled, damp notes Currency, you can prompt the customer one-time maximum deposit and withdrawal limits, and even through man-machine dialogue, discrimination, record and answer customer questions. ATMs are all-weather, new-style design that protects against rain, water and dirt and even moves automatically. It becomes a "mobile bank" from the city to the countryside, with a 7 × 24 hour "all weather" bank". In our opinion, ATM will be more intelligent. This intelligent trend will force some criminals to abandon the traditional attack methods such as ATM burglary and crime assault while effectively mitigating the criminal activities such as piracy and multi-card attacks against ATM and protect the interests and funds of customers Safety. For example, in the security function, ATM can detect other people close to the client and prompt the client to pay attention to blocking the operation keys to protect the privacy of the customer's personal information and financial information; face recognition technology can take face analysis of customer information, deliberately block Face suspicious customers, customers will be prompted to obstruct the front of the operation, overdue recoverable area Tunka processing and inclusion can be traded, etc .; can be independent solar power or backup power self-generation, to deal with any external attacks and attacks The type of wireless alarm the first time.
(E) Process visualization of self-service equipment
The intelligent operation of self-service equipment means the improvement or even reengineering of equipment flow. Although the cost has greatly increased nowadays, under the precondition of large-scale production in the future, the production cost can be further reduced and the operation and maintenance initiative can be enhanced. Among them, the process of visualization is one of the prospects for the development of self-service equipment. To ATM, for example, ATM low-cost, lack of money, full notes can be early warning, and according to customer's trading habits, accurately predict the cash needs. And, according to the surrounding environmental factors, to obtain the appropriate data into the background management system to measure the cash flow in the next period. We think: the future cash forecast can be accurate to 10,000 yuan as a unit. As a result, commercial banks can make better use of cash in stock and reasonably conduct operations and management. ATM loading and unloading money is no longer in trouble, replace the cash box method will be large-scale adoption, operation and maintenance personnel only need to change the box can be. After the exchange, ATM will automatically inventory, identify, count, track the prefix number and report to the background management system check. In this way, at least half of human resources must be saved under the condition of being required to load and unload two people. ATM even in the face of equipment failure, the initiative to suggest the type of failure, the causes of the need for parts, repair time and other key factors, self-help drive to solve the problem. As a result, the operational efficiency of ATMs continues to improve, and customers will become more receptive and rely on secure, convenient and faster self-service. We predict that over the next three to 10 years, commercial banks in China will pilot or large-scale operation of specialized ATM outsourcing service providers, and the proportion of outsourced ATMs may exceed 25% or even more.
(F) Intensive services of self-service equipment
As mentioned earlier, the service is not equal to the concentration of services, nor can simply be understood as service integration. Concentration or integration only refers to the scale of business categories, but the ability to achieve economies of scale, but also the need for follow-up management support. Otherwise, the separate business concentration does not necessarily bring about the improvement of management efficiency, and can not change inefficient or even backward service efficiency and service quality. At present, commercial banks have attached great importance to the construction of self-service areas and self-service banking. In such provisions of the interval, often equipped with multiple self-service equipment. We think: Generally speaking, these devices are composed of 1-3 deposit-withdrawal machines, 1 inquiry payment machine, 1 transfer machine, 1 integrated server and 1 telephone banking terminal, which can meet 60% 90% of customer needs. Among them, the integrated server or integrated service terminal to meet the customer promotional information queries, authentication, coupon printing, product parity, cash rebates, discount off points, points accumulated, movie ticket purchase, self-service shopping and other non-cash business or credit card business Comprehensive service functions. Moreover, in the line of self-service area, often with specialized or part-time bank service staff, such as lobby managers, can guide or guide customers in a timely manner self-operation. Taking Japan's commercial banks as another example, the widespread use of self-service devices has created specialized self-service processing areas such as Cash Island. In cash island mode, a single teller of a commercial bank can manage multiple business queues, increase business capability with automated equipment without increasing investment in human resources, and effectively ease the problem of customer queuing during peak periods of transactions and improve bank services effectiveness.
 Night Cashbox, also known as self-service packet machines, electronic deposit machines, electronic cash machines, electronic package charter, customers can operate with commercial banks issued by the operating card and password, the funds or notes after the packet processing into the night vault , The bank staff will move the package to the outlets on the next business day and after the completion of the inventory of the funds under the control of the bank account, will account for the customers so as to solve the deposit demand and fund safety issues during the non-bank business hours.
 Bill sorting machine is a high-end financial equipment, also known as cash machine, currency clearing machine, cash sorting machine, currency sorting machine, etc., is a kind of specialized used to inventory, sorting coins or banknotes financial equipment. According to different models are divided into small, medium and large-sized machines; in accordance with the different objects are divided into coins and banknotes sorting machine. The coin sorting machine can accurately identify and distinguish various coins, and can also display the total amount of coins placed and the number of coins of different denominations. Banknote sorting machine is a mechatronics high-tech products, the integrated use of computers, pattern recognition, paper currency Kam, multi-channel transmission of banknotes and other multidisciplinary techniques can be the beginning of banknotes, Kam pseudo, the whole point, Complex point and package storage.
 At the end of 2007, Japan tried to apply vein recognition technology to car locks. Later, a Japanese commercial bank ATM machine using a very difficult to counterfeit or stolen finger vein authentication method, the finger on the right finger vein authentication sensor on the screen, you can complete the authentication. The finger vein map varies from person to person, so you can prevent others from using it. ATMs equipped with biometric authentication have been previously announced but are all based on the veins of the palm of the hand. In contrast, finger vein authentication is more credible and fingerprinting has more assurance. There are only two hands and ten fingers. In the extreme, after registering a total of ten data from two fingers, it does not matter if there are several fingers injured and can not be used.