The content of the invention
To overcome the problem of cash transaction present in correlation technique is difficult, the embodiment of the present disclosure provides a kind of cash transaction
Method, apparatus and system.
According to the first aspect of the embodiment of the present disclosure there is provided a kind of cash transaction method, including:Inputted when receiving user
Startup information when, display function selection interface;Methods described also includes:
When detecting user by function selection interface selection savings function, deposit information interface is shown;
The deposit information that the cash information and user for receiving cash inspecting machine transmission are inputted by the deposit information interface, by institute
State cash information and deposit information is sent to server, and receive the first confirmation that the server is returned, described first
Confirmation is verified for third party to user identity;
When detecting user by function selection interface selection withdrawal function, withdrawal information interface is shown;
The withdrawal information that user is inputted by the withdrawal information interface is received, the withdrawal information is sent to service
Device, and the second confirmation that the server is returned is received, second confirmation is entered for third party to user identity
Row checking.
Preferably, the cash information for receiving cash inspecting machine transmission and user pass through depositing that the deposit information interface is inputted
Money information includes:
Currency type, crown word number, image, the one or more of quantity and the user for receiving cash inspecting machine transmission pass through the deposit letter
Cease deposit time, the one or more in place of interface input.
Preferably, what the cash information and user sent in the reception cash inspecting machine was inputted by the deposit information interface
Before deposit information, methods described also includes:
Display reminding information, points out user to carry out the collection of cash information using the cash inspecting machine.
Further, the withdrawal information that the reception user is inputted by the withdrawal information interface includes:
Receive withdrawal quantity, currency type, time of withdrawing the money, withdrawal place one kind that user is inputted by the withdrawal information interface
Or it is a variety of.
Further, methods described also includes:When not receiving the second confirmation that the server is returned, point out
Whether the account balance of subscriber checking itself is less than withdrawal quantity.
Further, methods described also includes:
Information exchange is carried out with the server and/or the third party, business progress is tracked.
According to the second aspect of the embodiment of the present disclosure there is provided a kind of cash transaction method, including:
According to the cash information and deposit information received, the first confirmation is generated, first confirmation is returned
To user, while the cash information, deposit information and the first confirmation are sent to third party, first confirmation
User identity is verified for third party;
According to the withdrawal information received, the second confirmation is generated, second confirmation is returned to user, simultaneously
The withdrawal information and the second confirmation are sent to third party, second confirmation is used for third party to user identity
Verified.
Further, when subscriber authentication by after, methods described also includes:
When the first verification for receiving third party's return passes through information, the amount of cash that the third party is returned is stored in
The user account that the third party returns, and business completion information is replied to the third party;
When the second verification for receiving third party's return passes through information, the amount of cash that the third party is returned is from institute
Marked in the user account for stating third party's return, and reply business and complete information to the third party.
According to the third aspect of the embodiment of the present disclosure there is provided a kind of cash transaction device, including:Display module, deposit work(
Can module, withdrawal functional module;Wherein,
The display module, for when receive user input startup information when, display function selection interface;
The savings function module, for when detect user by the function selection interface select savings function when,
Trigger the display module and show deposit information interface;The cash information and user for receiving cash inspecting machine transmission, which pass through the deposit, to be believed
The deposit information of interface input is ceased, the cash information and deposit information are sent to server, and receive the server and is returned
The first confirmation returned, first confirmation is verified for third party to user identity;
The withdrawal functional module, for when detect user by the function selection interface select withdrawal function when,
Trigger the display module and show withdrawal information interface;The withdrawal information that user is inputted by the withdrawal information interface is received,
The withdrawal information is sent to server, and receives the second confirmation that the server is returned, second confirmation letter
Cease and user identity is verified for third party.
Preferably, the savings function module, the currency type sent specifically for reception cash inspecting machine, crown word number, the one of image
Plant or a variety of deposit times inputted with user by the deposit information interface, the one or more in place.
Further, the savings function module, is additionally operable to pass through in the cash information and user that receive cash inspecting machine transmission
Before the deposit information of the deposit information interface input, display module is triggered;
The display module, is additionally operable to display reminding information, points out user to carry out cash information using the cash inspecting machine
Collect.
Preferably, the withdrawal functional module, taking that the withdrawal information interface is inputted is passed through specifically for receiving user
Amount of money amount, currency type, time of withdrawing the money, withdrawal place are one or more.
Further, the withdrawal functional module, is additionally operable to receive the second confirmation letter that the server is returned
During breath, point out whether the account balance of subscriber checking itself is less than withdrawal quantity.
Further, described device also includes progress chasing module;Wherein,
The progress chasing module, for carrying out information exchange with the server and/or the third party, enters to business
Degree is tracked.
According to the fourth aspect of the embodiment of the present disclosure there is provided a kind of cash transaction server, including:At first confirmation
Manage unit, the second confirmation processing unit;Wherein,
The first confirmation processing unit, for according to the cash information and deposit information received, generation first
Confirmation, returns to first confirmation to user, while by the cash information, deposit information and the first confirmation
Send to third party, first confirmation is verified for third party to user identity;
The second confirmation processing unit, for according to the withdrawal information received, generating the second confirmation, returning
Second confirmation is returned to user, while the withdrawal information and the second confirmation are sent to third party, described the
Two confirmations are verified for third party to user identity.
Further, the cash transaction server also includes:Service Processing Unit;
The Service Processing Unit, for when the first verification for receiving third party's return passes through information, by described the
The amount of cash that tripartite returns is stored in the user account that the third party returns, and replys business completion information to the described 3rd
Side;When the second verification for receiving third party's return passes through information, the amount of cash that the third party is returned is from described the
Marked in the user account that tripartite returns, and reply business and complete information to the third party.
According to the 5th of the embodiment of the present disclosure the aspect there is provided a kind of cash dealing system, including:Cash customer end,
Cash transaction server and third party;Wherein,
The cash customer end, including cash transaction device as described above;
The cash transaction server, is cash transaction server as described above;
The third party, for receiving the first confirmation and/or the second confirmation that the cash transaction server is sent
Information, and user is carried out with the cash customer end according to first confirmation and/or second confirmation
The checking of identity, and after being verified, complete cash transaction.
The technical scheme provided by this disclosed embodiment can include the following benefits:According to the user's selection detected
Withdrawal function, show different information interfaces, receive the information that user is inputted by the information interface, and by the letter received
Breath is sent to server, and after the confirmation of server return is received, user is carried out using the confirmation and third party
The checking of identity, and then complete to take savings function, the disclosure conveniently and efficiently realizes cash transaction, saves substantial amounts of manpower thing
Power, it is to avoid existing cash transaction, especially wholesale cash transaction it is dangerous, the problems such as realize cumbersome, and the disclosure can be real
When follow the trail of business progress, be user-friendly.
It should be appreciated that the general description of the above and detailed description hereinafter are only exemplary and explanatory, not
The disclosure can be limited.
Embodiment
Here exemplary embodiment will be illustrated in detail, its example is illustrated in the accompanying drawings.Following description is related to
During accompanying drawing, unless otherwise indicated, the same numbers in different accompanying drawings represent same or analogous key element.Following exemplary embodiment
Described in embodiment do not represent and the consistent all embodiments of the present invention.On the contrary, they be only with it is such as appended
The example of the consistent apparatus and method of some aspects be described in detail in claims, the present invention.
Fig. 1 is a kind of flow chart of cash transaction method according to an exemplary embodiment, as shown in figure 1, cash
In intelligent terminal of the method for commerce for application software can be installed, comprise the following steps:
Step 101, when receiving the startup information of user's input, display function selection interface;
Step 102, when detecting user by function selection interface selection savings function, deposit information circle is shown
Face;
Step 103, the deposit that the cash information and user for receiving cash inspecting machine transmission are inputted by the deposit information interface
Information, the cash information and deposit information are sent to server, and receive the first confirmation that the server is returned,
First confirmation is verified for third party to user identity;
Step 104, when detecting user by function selection interface selection withdrawal function, withdrawal information circle is shown
Face;
Step 105, the withdrawal information that user is inputted by the withdrawal information interface is received, the withdrawal information is sent
To server, and the second confirmation that the server is returned is received, second confirmation is used for third party to user
Identity is verified.
It should be appreciated that there is no inevitable sequencing between above-mentioned steps 102-103 and step 104-105.
Further, before step 103, methods described can also include:When do not receive always cash inspecting machine transmission
During cash information, by display reminding information user can be pointed out to carry out the collection of cash information using the cash inspecting machine.
Specifically, in step 103, the cash information and user for receiving cash inspecting machine transmission pass through the deposit information interface
The deposit information of input includes:
Currency type, crown word number, image, the one or more of quantity and the user for receiving cash inspecting machine transmission pass through the deposit letter
Cease deposit time, the one or more in place of interface input;Wherein, cash information herein is to be used for the gathering of subsequent third side
Shi Jinhang is checked, in order to avoid cause unnecessary dispute, it will be appreciated that herein can according to user different stage, receive different
The cash information and deposit information of rank, if user credit rank is higher, then cash information can include currency type, quantity, deposit
Money information includes deposit time and deposit place;If user credit rank is general, cash information includes quantity, crown word number etc.,
Deposit information, which is only included, deposits place, and deposit time needs are arranged according to the progress of bank's time etc..
Specifically, in the step 104, the withdrawal information that reception user is inputted by the withdrawal information interface includes:
Receive withdrawal quantity, currency type, time of withdrawing the money, withdrawal place one kind that user is inputted by the withdrawal information interface
Or it is a variety of;It should be appreciated that herein equally can according to user different stage, receive different stage withdrawal information, if with
Family credit level is higher, then withdrawal information can include withdrawal quantity, currency type, withdraw the money time, withdrawal place etc.;If user believes
General with rank, then withdrawal information can include withdrawal quantity, withdrawal place, and currency type is only limitted to local currency etc..
Further, methods described also includes:When not receiving the second confirmation that the server is returned, point out
Whether the account balance of subscriber checking itself is less than withdrawal quantity;Here it is possible to a time threshold be pre-set, when more than this
Between threshold value when not being received by the second confirmation that the server is returned yet, then prompt the user whether that Sorry, your ticket has not enough value.
Further, methods described also includes:Information exchange is carried out with the server and/or the third party, to industry
Business progress is tracked, so as to which business is tracked and inquired about in real time for user.
Using the technical scheme of the disclosure, the withdrawal function of being selected according to the user detected shows different information bounds
Face, receives the information that is inputted by the information interface of user, and the information received is sent to server, when receiving service
After the confirmation that device is returned, the checking of user identity is carried out using the confirmation and third party, and then completes to take deposit work(
Can, the disclosure conveniently and efficiently realizes cash transaction, save substantial amounts of manpower and materials, it is to avoid existing cash transaction, especially
Be wholesale cash transaction it is dangerous, the problems such as realize cumbersome, and disclosure energy real-time tracing business progress facilitates user to make
With.
In another embodiment, using the server end of bank as executive agent, cash transaction method is carried out specifically
It is bright, as shown in Fig. 2 the cash transaction method comprises the following steps:
Step 201, according to the cash information and deposit information received, the first confirmation is generated, described first is returned
Confirmation is to user, while the cash information, deposit information and the first confirmation are sent to third party, described first
Confirmation is verified for third party to user identity;
Wherein, the cash information, deposit information and the first confirmation are sent to third party, utilized for third party
Those information are verified to this cash transaction, to avoid unnecessary dispute.
Step 202, according to the withdrawal information received, the second confirmation is generated, second confirmation is returned to extremely
User, while the withdrawal information and the second confirmation are sent to third party, second confirmation is used for third party
User identity is verified;
Wherein, the withdrawal information and the second confirmation are sent to third party, those information is utilized for third party
This cash transaction is verified, to avoid unnecessary dispute.
It should be appreciated that strict sequencing is not present between above-mentioned steps 201 and step 202.
Further, when subscriber authentication by after, methods described also includes:
Step 203, when the first verification for receiving third party's return passes through information, the cash that the third party is returned
Quantity is stored in the user account that the third party returns, and replys business completion information to the third party;
Step 204, when the second verification for receiving third party's return passes through information, the cash that the third party is returned
Marked in the user account that quantity is returned from the third party, and reply business and complete information to the third party.
It should be appreciated that strict sequencing is not present between above-mentioned steps 203 and step 204.
Using the technical scheme in the present embodiment, cash transaction server generates confirmation according to the information received,
And will confirm that information is back to user, the information received and confirmation are sent to third party, pass through third party and user
Cash transaction is carried out, the convenience of cash transaction is drastically increased, and by confirmation between user and third party
Carry out authentication, it is ensured that the security of cash transaction.
Fig. 3 is the flow chart of another cash transaction method according to an exemplary embodiment, as shown in figure 3, institute
The method of stating comprises the steps:
Step 301, the startup information of user's input, display function selection interface are received;
Step 302, when detecting user by function selection interface selection savings function, deposit information circle is shown
Face;
Step 303, the deposit that the cash information and user for receiving cash inspecting machine transmission are inputted by the deposit information interface
Information, the cash information and deposit information are sent to server;
Step 304, server generates the first confirmation according to the cash information and deposit information received;
Step 305, first confirmation is back to user by server, while the cash information, deposit are believed
Breath and the first confirmation are sent to third party;
Step 306, the third party is according to the cash information received, deposit information and the first confirmation and user
The verifying work of this cash transaction is carried out, after verification passes through, the first verification is returned to server and passes through information;
Step 307, the amount of cash that server returns to the third party is stored in the user account that the third party returns,
And business completion information is replied to the third party;
Step 308, third party receives business and completes after information to service to user there is provided business strip, and deposit business is completed.
Fig. 4 is the flow chart of another cash transaction method according to an exemplary embodiment, as shown in figure 4, institute
The method of stating comprises the steps:
Step 401, the startup information of user's input, display function selection interface are received;
Step 402, when detecting user by function selection interface selection withdrawal function, withdrawal information circle is shown
Face;
Step 403, the withdrawal information that user is inputted by the withdrawal information interface is received, the withdrawal information is sent
To server;
Step 404, server generates the second confirmation according to the withdrawal information received;
Step 405, server recognizes information by described second and is back to user, while the withdrawal information and second are confirmed
Information is sent to third party;
Step 406, the third party carries out this according to the withdrawal information received and the second confirmation with user
The verifying work of cash transaction, after verification passes through, returns to the second verification to server and passes through information;
Step 407, in the user account that the amount of cash that server returns to the third party is returned from the third party
Mark, and reply business and complete information to the third party;
Step 408, third party receives business and completes after information to service to user there is provided business strip, and withdrawal business is completed.
Fig. 5 is a kind of cash transaction device schematic diagram according to an exemplary embodiment.Reference picture 5, the device bag
Include:Display module 51, savings function module 52, withdrawal functional module 53;Wherein,
The display module 51, for when receive user input startup information when, display function selection interface;
The savings function module 52, function selection interface selection savings function is passed through for that ought detect user
When, trigger the display module 51 and show deposit information interface;The cash information and user for receiving cash inspecting machine transmission pass through described
The deposit information of deposit information interface input, the cash information and deposit information is sent to server, and receive the clothes
The first confirmation that business device is returned, first confirmation is verified for third party to user identity;
The withdrawal functional module 53, function selection interface selection withdrawal function is passed through for that ought detect user
When, trigger the display module 51 and show withdrawal information interface;Receive the withdrawal that user is inputted by the withdrawal information interface
Information, the withdrawal information is sent to server, and receives the second confirmation that the server is returned, and described second is true
Recognize information to verify user identity for third party.
Using the technical scheme of the disclosure, the withdrawal function of being selected according to the user detected shows different information bounds
Face, receives the information that is inputted by the information interface of user, and the information received is sent to server, when receiving service
After the confirmation that device is returned, the checking of user identity is carried out using the confirmation and third party, and then completes to take deposit work(
Can, the disclosure conveniently and efficiently realizes cash transaction, save substantial amounts of manpower and materials, it is to avoid existing cash transaction, especially
Be wholesale cash transaction it is dangerous, the problems such as realize cumbersome, and disclosure energy real-time tracing business progress facilitates user to make
With.
On the device in above-described embodiment, wherein modules perform the concrete mode of operation in relevant this method
Embodiment in be described in detail, explanation will be not set forth in detail herein.
In the exemplary embodiment, cash transaction device can be by one or more application specific integrated circuits(ASIC)、
Digital signal processor(DSP), digital signal processing appts(DSPD), PLD(PLD), field-programmable gate array
Row(FPGA), controller, microcontroller, microprocessor or other electronic components realize, for performing the above method.
Fig. 6 is a kind of block diagram for cash transaction server according to an exemplary embodiment.Reference picture 6, it is existing
Golden trading server removes the function element for possessing existing bank server(Not shown in Fig. 6)Outside, first can also be included to confirm
Information process unit 61, the second confirmation processing unit 62;Wherein,
The first confirmation processing unit 61, for according to the cash information that receives and deposit information, generation the
One confirmation, returns to first confirmation to user, while by the cash information, deposit information and the first confirmation letter
Breath is sent to third party, and first confirmation is verified for third party to user identity;
The second confirmation processing unit 62, for according to the withdrawal information received, generating the second confirmation,
Second confirmation is returned to user, while the withdrawal information and the second confirmation are sent to third party, it is described
Second confirmation is verified for third party to user identity.
Using the technical scheme in the present embodiment, cash transaction server generates confirmation according to the information received,
And will confirm that information is back to user, the information received and confirmation are sent to third party, pass through third party and user
Cash transaction is carried out, the convenience of cash transaction is drastically increased, and by confirmation between user and third party
Carry out authentication, it is ensured that the security of cash transaction.
The disclosure also provides a kind of cash dealing system, and the system includes:Cash customer end, cash transaction service
Device and third party;Wherein,
The cash customer end, its structure and operation principle are cash transaction device as described above, herein no longer
Repeat;
The cash transaction server, its structure and operation principle are cash transaction server as described above, herein not
Repeat again;
The third party, for receiving the first confirmation and/or the second confirmation that the cash transaction server is sent
Information, and user is carried out with the cash customer end according to first confirmation and/or second confirmation
The checking of identity, and after being verified, complete cash transaction.
Those skilled in the art will readily occur to its of the present invention after considering specification and putting into practice invention disclosed herein
Its embodiment.The application be intended to the present invention any modification, purposes or adaptations, these modifications, purposes or
Person's adaptations follow the general principle of the present invention and including the undocumented common knowledge in the art of the disclosure
Or conventional techniques.Description and embodiments are considered only as exemplary, and true scope and spirit of the invention are by following
Claim is pointed out.
It should be appreciated that the invention is not limited in the precision architecture for being described above and being shown in the drawings, and
And various modifications and changes can be being carried out without departing from the scope.The scope of the present invention is only limited by appended claim.