With the continuous development of the Internet of things, RFID 125khz technology has also been widely spread and applied, saying that the application of RFID technology in all walks of life is too much. Today, we will see what is the application of RFID technology in the financial field?
1. Improve the efficiency of bank assets management
China’s large commercial banks have already realized the national data centralization, and the national data center has a large number of IT devices, so it is difficult to track and manage these IT devices. At present, some banks in China have begun to use RFID technology to improve the efficiency of bank asset management.
For example, China Construction Bank has attached RFID electronic labels to fixed assets such as bank data center cabinet and its internal equipment by applying RFID technology, and installed ultra high frequency reading and writing equipment in the entrance of the data center machine room and inside the cabinet. It combines the environment monitoring software of the machine room, the automatic alarm system and the access control system. The complete monitoring platform of asset management realizes the comprehensive visual tracking and monitoring of the IT equipment, and provides great convenience to the management personnel of the data center for the management efficiency of the IT equipment.
Two, improve the safety of bank account management
Now, most of the banking cash escort work has been outsourced to the security company. The bank outlets will receive the cash box from the bank’s central bank and send it to the bank outlets before the business is open every day. After the end of the daily operation, the security company will transfer the cash box from the bank outlets to the bank central treasury. However, in the Bank of the bank to carry the money car, the money box will be transferred to the bank, and there will be some misappropriation and misappropriation in the course of the money box, which has caused the economic loss to the bank, and has a negative social impact, and there is a hidden danger of security.
And RFID 125khz technology monitoring cash box transfer process, can realize the intelligent escort supervision, security transfer supervision, personnel identification, automatic monitoring and alarm, so as to ensure the correct transfer, high bank funds in the storage and transport process of safety.
The specific process is as follows:
1, attach a RFID label with a separate number to each tail box for batch identification of cash box information.
2, the relevant escort staff, the bank transfer point responsible person and the gunman have the only special RFID tag to ensure that the electronic label can not be duplicated. 3, the escort receives the handheld RFID reading and writing equipment on the basis of the RFID identity label, and downloads the day work task on the handheld RFID reading and writing equipment (including the trunk box card number, the line bank network, the banknote vehicle card number, the bullet mark number and quantity, etc.);
4, collect the firearms, ammunition, and the escort vehicle on the basis of the task on the basis of the task. The system will automatically identify and check its identity information, the correct one is released and the incorrect system will alarm.
5, in the handover of the tail box, the handheld RFID reading and writing equipment can be used to authenticated both sides, read and automatically check the connection tail box information as the basis for the connection with the silver line, and transfer the tail box to the tail box. When the situation is, the wireless network is uploaded to the dispatching monitoring center.
6, according to the business settlement criteria, automatic related business settlement, and print out the settlement results.
Three, VIP Service – improve customer service quality
Some domestic banks have applied RFID 125khz technology to its VIP customer management, by giving VIP customers a VIP card that combines the common UnionPay card with the RFID electronic label. Once the VIP customer enters the bank, its personal information, including its name, history and recent transactions, is instantly transferred from the customized application database. VIP customer information is obtained from the local database and sent to the customer relationship manager. It personally welcomes the VIP customers and greatly improves the VIP customer experience.
Four. Anti counterfeiting of bills
For a long time, many illegal elements have extended their swindles to the bank counters, using fraudulent certificates of deposit to defraud deposits. Adding RFID 125khz chips to the certificates of deposit can greatly improve the forgery prevention ability of the bills, effectively distinguish the authenticity of the certificates of deposit, and crack down on the fraud of lawless elements.
For example, Agricultural Bank of China Jiangsu branch promotes RFID deposit receipt to strengthen risk control of temporary containers. The bank has fully popularized the RFID card, and uses the packaging technology to add the chip to the common deposit card. Through the combination of the chip information and the Agricultural Bank production system, the uniqueness of the deposit certificate is realized, and the risk of the copy and cloning of the certificate is prevented.
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