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Chinese Banks Track Assets, Cash and VIP Customers

China Construction Bank is using EPC Gen 2 tags to monitor servers at its data center, while the Bank of China is employing active 433 MHz tags to identify the arrival of cashboxes and important clients at its branches.
By Dave Friedlos
Attached to the cashboxes are active 433.96 MHz RFID tags specialized for use near metal. The tags utilize a proprietary air-interface protocol to communicate with RFID interrogators connected to pairs of unidirectional antennas installed at the entrance to the bank, in order to detect the arrival and departure of each cashbox. Omnidirectional antennas have also been installed throughout the bank, to trace the cashboxes' movements.

Each tag periodically emits a signal encoded with a unique ID number, which is processed by RCG's tailor-made application software. The cashbox's location is constantly updated and stored in the application's database, and the software includes analysis tools that can also be used to determine the movement path.

With the VIP Management Solution, highly valued bank patrons are issued a badge containing an RFID chip encoded with an ID number linked to information regarding those clients.

"Retail banking is becoming more competitive," Kurniawan says, "and many are aiming to differentiate themselves from competitors by providing better customer service."

"RFID allows the Bank of China to identify VIP customers as soon as they enter the bank," Kurniawan says, "and alert staff, who can quickly retrieve data on the client, such as what type of service they typically use. The bank can offer more personalized service, and this will be appreciated by its VIP customers."

The VIP badge contains the same 433.96 MHz active tag used for the Cashbox Management System. The active readers and unidirectional antennas used for the Cashbox Management System can detect VIP customers as they arrive at the bank. Once a VIP customer passes through the entrance, information about that individual—including his or her name, history and recent transactions—is obtained from the tailor-made application software. The information is gathered from the local database and transmitted to a customer relationship manager, who can then personally greet that client.

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