CN105279694A - A method and a device for processing money withdrawing information of users - Google Patents
A method and a device for processing money withdrawing information of users Download PDFInfo
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- CN105279694A CN105279694A CN201510797171.6A CN201510797171A CN105279694A CN 105279694 A CN105279694 A CN 105279694A CN 201510797171 A CN201510797171 A CN 201510797171A CN 105279694 A CN105279694 A CN 105279694A
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Abstract
The embodiments of the invention disclose a method and a device for processing money withdrawing information of users. The method comprises the steps of receiving an identification command triggered by a first user and sending the identification information to a second user according to the identification command; receiving a command used for determining the identification information and sent by the first user or the second user; judging whether the command of determining the identification information conforms to the pre-stored identified information; if so, receiving and processing money withdrawing information sent by the first user or the second user. The method and the device for processing money withdrawing information of users enable card holders to provide immediate cash help for people they are willing to help remotely through money withdrawing business.
Description
Technical field
The embodiment of the present invention relates to the technical field of self-aided terminal, particularly relates to a kind of method and the device that process user's withdrawal information.
Background technology
In actual life, a lot of people blocks in nothing, make in cash without being badly in need of when bankbook, if borrow money, direction payer is borrowed money, this payer does not have Net silver, neighbouring again without the equipment of withdrawing the money or other bank outlets, then money cannot be paid the opposing party by payer in time, cause this side of borrowing money cannot obtain the fund Emergency Assistance of distant place friends and family, thus the side's of borrowing money predicament instantly cannot be solved.
Summary of the invention
The embodiment of the present invention proposes a kind of method and device processing user's withdrawal information, is intended to solve the problem easily improving loaning bill or payment etc. between user how in time.
First aspect, embodiments provides a kind of method processing user's withdrawal information, comprising:
Process a method for user's withdrawal information, described method comprises:
Receive the certification instruction that first user triggers, according to described certification instruction, authentication information is sent to the second user;
Receive the instruction of the described authentication information of confirmation of described first user or described second user's transmission;
Judge whether the instruction of described confirmation authentication information meets the information by certification prestored;
If so, then receive and process described first user or described second user send withdrawal information.
Preferably, the certification instruction that described reception first user triggers, comprising:
Receive the certification instruction that described first user is triggered by self-aided terminal ATM or mobile terminal or Net silver.
Preferably, the certification instruction that the described first user of described reception is triggered by self-aided terminal ATM or Net silver, comprising:
Receive the instruction that described first user touches the button of the certification instruction arranged on the interface of described self-aided terminal ATM, or receive the instruction that described first user touches the button of the certification instruction arranged on the Net silver interface of bank;
Receive the authentication information that described first user is inputted by the interface of described self-aided terminal ATM or the Net silver interface of described bank, described certification instruction comprises the identify label of described first user, the identify label of the second user and borrowing balance, and described identify label comprises ID (identity number) card No., bank's card number and/or phone number.
Preferably, the certification instruction that the described first user of described reception is triggered by mobile terminal, comprising:
Receive the certification instruction that described first user sends according to the form pre-set, the described form pre-set comprises the identify label of first user, the identify label of the second user and borrowing balance, and described identify label comprises ID (identity number) card No., bank's card number and/or phone number.
Preferably, described reception and process described first user send withdrawal information, comprising:
Receive the withdrawal information that described first user sends, described withdrawal information at least comprises bank's card number of withdraw funds and described second user;
Described first user is paid by described withdraw funds according to described withdrawal information.
Preferably, described reception and process described second user send withdrawal information before, also comprise:
Receive the payment instruction that described second user sends, described payment instruction at least comprises the device number of the ATM that described first user is withdrawn the money or bank's card number of described first user;
Described reception and process described second user send withdrawal information, comprising:
If described payment instruction comprises the device number of the ATM that described first user is withdrawn the money, then in the ATM corresponding with the device number of the ATM that described first user is withdrawn the money, perform note output;
If described note output action executing success, described first user takes cash dispensing port banknote in time away, then require whether print strip according to described first user, flow process terminates;
If described first user does not take banknote away in time, then time-out reclaims.
Second aspect, a kind of device processing user's withdrawal information, described device comprises:
First receiver module, for receiving the certification instruction that first user triggers, sends to the second user according to described certification instruction by authentication information;
Second receiver module, for receiving the instruction of the described authentication information of confirmation of described first user or described second user's transmission;
Judge module, for judging whether the instruction of described confirmation authentication information meets the information by certification prestored;
Processing module, for if so, then receive and process described first user or described second user send withdrawal information.
Preferably, described first receiver module, for:
Receive the certification instruction that described first user is triggered by self-aided terminal ATM or mobile terminal or Net silver.
Preferably, described first receiver module, comprising:
First receiving element, touch the instruction of the button of the certification instruction arranged on the interface of described self-aided terminal ATM for receiving described first user, or receive the instruction that described first user touches the button of the certification instruction arranged on the Net silver interface of bank;
Second receiving element, for receiving the authentication information that described first user is inputted by the interface of described self-aided terminal ATM or the Net silver interface of described bank, described certification instruction comprises the identify label of described first user, the identify label of the second user and borrowing balance, and described identify label comprises ID (identity number) card No., bank's card number and/or phone number.
Preferably, described first receiver module, comprising:
3rd receiving element, for receiving the certification instruction that described first user sends according to the form pre-set, the described form pre-set comprises the identify label of first user, the identify label of the second user and borrowing balance, and described identify label comprises ID (identity number) card No., bank's card number and/or phone number.
Preferably, described processing module, for:
Receive the withdrawal information that described first user sends, described withdrawal information at least comprises bank's card number of withdraw funds and described second user;
Described first user is paid by described withdraw funds according to described withdrawal information.
Preferably, described device also comprises:
3rd receiver module, for receiving the payment instruction that described second user sends, described payment instruction at least comprises the device number of the ATM that described first user is withdrawn the money or bank's card number of described first user;
Described processing module, comprising:
Performance element, if the device number comprising the ATM that described first user is withdrawn the money for described payment instruction, then performs note output in the ATM corresponding with the device number of the ATM that described first user is withdrawn the money;
Print unit, if for described note output action executing success, described first user takes cash dispensing port banknote in time away, then require whether print strip according to described first user, flow process terminates;
Recovery unit, if do not take banknote away in time for described first user, then time-out reclaims.
A kind of method processing user's withdrawal information that the embodiment of the present invention provides, receives the certification instruction that first user triggers, according to described certification instruction, authentication information is sent to the second user; Receive the instruction of the described authentication information of confirmation of described first user or described second user's transmission; Judge whether the instruction of described confirmation authentication information meets the information by certification prestored; If so, then receive and process described first user or described second user send withdrawal information.By adopting technique scheme, can realize holder by the business of withdrawing the money, to it, long-range realization is ready that the people helped provides instant cash to succour.
Accompanying drawing explanation
Fig. 1 is the schematic flow sheet of the method for the process user withdrawal information that the embodiment of the present invention one provides;
Fig. 2 is the method schematic diagram that self-aided terminal ATM interface that the embodiment of the present invention provides realizes certification;
Fig. 3 is the schematic flow sheet of the method for the process user withdrawal information that the embodiment of the present invention two provides;
Fig. 4 is the schematic flow sheet of the method for the process user withdrawal information that the embodiment of the present invention three provides;
Fig. 5 is the schematic flow sheet of the method for the process user withdrawal information that the embodiment of the present invention four provides;
Fig. 6 is the structural representation of the device of the display file that the embodiment of the present invention five provides.
Embodiment
Technical scheme of the present invention is further illustrated by embodiment below in conjunction with accompanying drawing.Be understandable that, specific embodiment described herein is only for explaining the present invention, but not limitation of the invention.It also should be noted that, for convenience of description, illustrate only part related to the present invention in accompanying drawing but not entire infrastructure.
Before in further detail exemplary embodiment being discussed, it should be mentioned that some exemplary embodiments are described as the process or method described as process flow diagram.Although every step is described as the process of order by process flow diagram, many steps wherein can be implemented concurrently, concomitantly or simultaneously.In addition, the order of every step can be rearranged.When its step completes, described process can be terminated, but can also have the additional step do not comprised in the accompanying drawings.Described process can correspond to method, function, code, subroutine, subroutine etc.
Embodiment one
Fig. 1 is the schematic flow sheet of the method for the process user withdrawal information that the embodiment of the present invention one provides, and the method can be performed by banking system, and wherein this device can by software and/or hardware implementing, and general accessible site in the server.As shown in Figure 1, the method comprises:
The certification instruction that step 101, reception first user trigger, sends to the second user according to described certification instruction by authentication information;
Preferably, the certification instruction that described reception first user triggers, comprising:
Receive the certification instruction that described first user is triggered by self-aided terminal ATM or mobile terminal or Net silver.
Wherein, first user is the side of borrowing money, and the second user is payer.The side of borrowing money can send certification instruction in self-aided terminal ATM or the mode such as micro-letter, note by mobile terminal or the Net silver by bank to payer.
Preferably, the certification instruction that the described first user of described reception is triggered by self-aided terminal ATM or Net silver, comprising:
Receive the instruction that described first user touches the button of the certification instruction arranged on the interface of described self-aided terminal ATM, or receive the instruction that described first user touches the button of the certification instruction arranged on the Net silver interface of bank;
Receive the authentication information that described first user is inputted by the interface of described self-aided terminal ATM or the Net silver interface of described bank, described certification instruction comprises the identify label of described first user, the identify label of the second user and borrowing balance, and described identify label comprises ID (identity number) card No., bank's card number and/or phone number.
Concrete, if loaning bill side sends authentication information by self-aided terminal ATM to payer, first can enter authentication interface by the certification button touched on ATM screen, the form of this certification button can be long-range form of withdrawing deposit.
This authentication interface provides key message input window, such as, borrowing balance, the information of loaning bill side, the information of payer is sent to payer, banking system can according to the contact method of the acquisition of information payer of payer, and the key message inputted in authentication interface loaning bill side sends to payer.
Concrete, be the method schematic diagram that self-aided terminal ATM interface that the embodiment of the present invention provides realizes certification with reference to figure 2, Fig. 2.Such as, as shown in Figure 2, select " long-range withdraw deposit " button, enter the interface that prompting " inputs long-range ATM number ", when ATM number on user's input handset, local ATM and long-range ATM connects, obtain long-range ATM video, determine long-range ATM user, whether normally detect long-range ATM cash-out movement whether have enough banknotes can supply to extract.
1) ATM has enough cashes and cash-out movement normally works, and opens " long-range note output " business, otherwise shield this business to user;
2) user's second requires to obtain cash, and ATM-B operates " long-range note output " business, input user first cell-phone number;
3) item user first sends and requires long-rangely to provide help information of withdrawing the money by ATM-B;
4) user's first receives cellphone information, the preliminary comformed information true and false;
5) user's first is to ATM-A, selects " long-range enchashment " business, ATM-B number on input handset;
6) ATM-A connects ATM-B, and display ATM-B user video image, determine user identity, and whether ATM-B meets note output condition;
7) user's first is determined, or user's first and user's second are collaborative determines that withdraw funds makes this amount of money successfully can join paper money by ATM-B;
8) ATM-A submits business information needed of withdrawing the money to, comprises bank card account information, encrypted message and withdraw funds information, to banking system;
9) banking system completes the account process of business of originally withdrawing the money;
10) button account of withdrawing the money success, ATM-B performs note output, and successful for note output result is returned to ATM-A.If ATM-B performs note output failure, carry out just withdrawing the money punching, and return results to user's first and user's second, flow process terminates.
Preferably, the certification instruction that the described first user of described reception is triggered by mobile terminal, comprising:
Receive the certification instruction that described first user sends according to the form pre-set, the described form pre-set comprises the identify label of first user, the identify label of the second user and borrowing balance, and described identify label comprises ID (identity number) card No., bank's card number and/or phone number.
Concrete, loanings bill side can pass through the note of mobile terminal or micro-letter or other modes to banking system transmission certification instruction, and this certification instruction comprises borrowing balance, the information of loaning bill side, the information of payer.
Step 102, receives the instruction of the described authentication information of confirmation of described first user or described second user's transmission;
Concrete, the described authentication information of confirmation can be sent to loaning bill side by payer, such as, identifying code can be sent to loaning bill side, make loaning bill side's input validation code in self-aided terminal ATM or bank net, to realize the mutual certification of loaning bill side and payer.
In addition, payer also directly can will confirm that the instruction of described authentication information sends to banking system, to realize the mutual certification of loaning bill side and payer.
Step 103, judges whether the instruction of described confirmation authentication information meets the information by certification prestored;
Concrete, can authentication code or extract the modes such as the critical field (such as, confirming) that confirms authentication information and judge, whether the confirmation authentication information that loaning bill side or payer send meets the information by certification prestored.
Step 104, if so, then receive and process described first user or described second user send withdrawal information.
Preferably, described reception and process described first user send withdrawal information, comprising:
Receive the withdrawal information that described first user sends, described withdrawal information at least comprises bank's card number of withdraw funds and described second user;
Described first user is paid by described withdraw funds according to described withdrawal information.
Concrete, the instruction of withdrawing the money that this first user can trigger in self-aided terminal ATM, pays loaning bill side according to this instruction of withdrawing the money by the amount of money of certification.
Preferably, described reception and process described second user send withdrawal information before, also comprise:
Receive the payment instruction that described second user sends, described payment instruction at least comprises the device number of the ATM that described first user is withdrawn the money or bank's card number of described first user;
Described reception and process described second user send withdrawal information, comprising:
If described payment instruction comprises the device number of the ATM that described first user is withdrawn the money, then in the ATM corresponding with the device number of the ATM that described first user is withdrawn the money, perform note output;
If described note output action executing success, described first user takes cash dispensing port banknote in time away, then require whether print strip according to described first user, flow process terminates;
If described first user does not take banknote away in time, then time-out reclaims.
Concrete, payer can send payment instruction to banking system, this payment instruction comprises the device number of the self-service ATM that loaning bill side withdraws the money, payment instruction is sent to self-service ATM by this banking system, and after the instruction of withdrawing the money receiving the input of loaning bill side, pay loaning bill side by payment.
A kind of method processing user's withdrawal information that the embodiment of the present invention provides, receives the certification instruction that first user triggers, according to described certification instruction, authentication information is sent to the second user; Receive the instruction of the described authentication information of confirmation of described first user or described second user's transmission; Judge whether the instruction of described confirmation authentication information meets the information by certification prestored; If so, then receive and process described first user or described second user send withdrawal information.By adopting technique scheme, can realize holder by the business of withdrawing the money, to it, long-range realization is ready that the people helped provides instant cash to succour.
Embodiment two
It is the schematic flow sheet of the method for the process user withdrawal information that the embodiment of the present invention two provides with reference to figure 3, Fig. 3.
Embodiment two is the wherein a kind of situations in embodiment one, and namely the certification of payer and loaning bill side is all realized by self-aided terminal ATM.
Step 301, selects and determines note output terminal;
Concrete, described selection and determine note output terminal, is the Possum jointly determined by card user and drawing user, comprises the following steps:
Drawing user selectes a Possum, and this Possum meets note output requirement, and possesses the drawing function of long-range business of withdrawing the money.The described note output that meets requires to refer to that this machine cash-out movement normally works and has banknote resource to extract for user.If Possum does not meet note output requirement, will shield the drawing function of long-range business of withdrawing the money, user just cannot initiate long-range business of withdrawing the money on this machine, requires long-range withdrawing the money.
Drawing user inputs the phone number of card user or requires long-range cash number of withdrawing the money.
Note output terminal determines that described cash number meets the existing cash resource scope of the machine, and can carry out joining paper money success with number according to existing denomination and individual denomination.
Note output terminal generates long-range withdrawal information, sends to the mobile phone of card user.
Card user receives cellphone information, selects a Possum as service terminal, or utilizes this mobile phone or network PC to hold as service terminal.
Card user carries out authentication to drawing user, consults withdraw funds, then determines to use above-mentioned note output terminal according to the withdraw funds consulted, or changes note output terminal.
Step 302, determines that above-mentioned note output terminal meets note output requirement;
Preferably, the above-mentioned note output terminal of described determination meets note output requirement, refers to and refers to that this machine cash-out movement normally works and has enough banknote resources to extract for user, include three layers of meaning:
One is that cash-out movement is wanted normally to work, and can not be in the abnormality such as card paper money;
Two is available banknotes of residue of cash-out movement, can not lower than withdraw funds;
Three is carry out joining paper money according to withdraw funds, gained join in paper money scheme, the available number of residue of each denomination of cash-out movement, at least meet wherein one join paper money scheme.
Step 303, carries out withdrawing the money accounting processing;
Concrete, described in carry out withdrawing the money accounting processing, refer to needed before note output to banking system carrying out the process of button account, comprise the following steps:
The encrypted message that service terminal obtains card information, card user inputs and withdraw funds information;
Withdraw funds information is sent to note output terminal by service terminal;
Note output terminal determines that this Possum can meet the note output requirement of withdraw funds information, three layers of meaning that namely above-mentioned note output is satisfied;
Card information, encrypted message, withdraw funds information, after note output terminal determination withdraw funds information can meet, send to banking system to carry out accounting processing by service terminal;
Service terminal receives banking system and to withhold successful information, and order note output terminal performs note output.
Step 304, the note output terminal note output described in order.
Preferably, the note output terminal note output described in described order, refers to that note output terminal performs note output action, and the flow process of business remainder of withdrawing the money after completing note output, comprising:
Note output terminal receives the note output order of service terminal, performs note output action;
If above-mentioned note output action executing success, user takes cash dispensing port banknote in time away, then require whether print strip according to user, flow process terminates; If user does not take banknote away in time, then time-out reclaims, and overtime recovery technology of withdrawing the money conventionally continues the remaining flow process of process, and flow process terminates.
If above-mentioned note output action executing failure, then note output terminal returns note output failure result to service terminal, and service terminal note output of withdrawing the money conventionally is unsuccessfully initiated to withdraw the money and rushed the remaining flow process of positive treatment technology continuation process, and flow process terminates.
Embodiment two is on the basis of embodiment one, achieve by the technology of withdrawing the money cooperative achievement on the Possum of two different locations, the business of withdrawing the money can be carried out across space, breach lower than restriction, make the equipment of equipment and the execution note output providing business datum to input can be positioned at different places, thus achieve the long-range pattern of withdrawing the money of withdrawing the money in local operation business strange land, bring great convenience to user.
Embodiment three
It is the schematic flow sheet of the method for the process user withdrawal information that the embodiment of the present invention three provides with reference to figure 4, Fig. 4.
Embodiment three is on the basis of embodiment one, embodiment two, after certification, and the direct a kind of specific embodiment of withdrawing the money in self-aided terminal ATM in loaning bill side.
Under this kind of business model, note output terminal and banking system are not directly write to each other.The banking system process information of withdrawing the money needed for business is only provided by service terminal, and banking system service processing result of withdrawing the money only returns to service terminal.The instruction of the execution note output of note output terminal is provided by service terminal, and note output result returns to service terminal, and punching of withdrawing the money just is initiated by service terminal.Its concrete steps are:
1) note output terminal accepts drawing Client-initiated " long-range withdraw the money " business, receives this service parameter: the phone number of card user, withdraw funds;
2) whether note output terminal detection of handset number is significant number, and whether detect this terminal has enough cash resource, calculating, meeting withdraw funds by joining paper money algorithm;
3) note output terminal generates long-range help information of withdrawing the money, and can comprise withdraw funds requirement, send to described phone number;
4) card user receives remote help information, utilizes ATM or mobile phone terminal to carry out authentication to drawing user;
5) card user is at the service terminal such as ATM or mobile phone, conventionally initiates to withdraw the money operation flow, and return process until banking system and withdraw the money after the successful information of business, send to note output terminal, require that it holds note output, flow process terminates;
6) if note output terminal performs note output failure, then note output failure result is returned service terminal, have service terminal conventionally to initiate to withdraw the money and rush positive flow process.
Embodiment four
It is the schematic flow sheet of the method for the process user withdrawal information that the embodiment of the present invention four provides with reference to figure 5, Fig. 5.
Embodiment four is on the basis of embodiment one, embodiment two, and after certification, payer sends payment instruction to banking system, finally realizes a kind of specific embodiment of withdrawing the money in the ATM at place, loaning bill side.
1) note output terminal is to the long-range assistance of withdrawing the money of service terminal request;
2) service terminal obtains holder given card information, encrypted message, withdraw funds information, and wherein encrypted message is encrypted by note output terminal key, obtains the cryptographic secret after encrypting.
3) service terminal is by cryptographic secret, withdraw funds information and service terminal number after card information, encryption, sends to note output terminal.
4) above-mentioned information is sent to banking system by note output terminal, asks to withdraw the money accounting processing, and receives accounting processing result of withdrawing the money.
5) note output terminal performs note output action, and note output result is returned to service terminal, and according to note output result, conventionally continues process until service ending of withdrawing the money.
Embodiment five
It is the structural representation of the device of the display file that the embodiment of the present invention five provides with reference to figure 6, Fig. 6.This device can by software and/or hardware implementing, generally in the server integrated.As shown in Figure 6, this device comprises: the first receiver module 601, second receiver module 602, judge module 603 and processing module 604;
Wherein, described first receiver module 601, for receiving the certification instruction that first user triggers, sends to the second user according to described certification instruction by authentication information;
Preferably, described first receiver module 601, for:
Receive the certification instruction that described first user is triggered by self-aided terminal ATM or mobile terminal or Net silver.
Wherein, first user is the side of borrowing money, and the second user is payer.The side of borrowing money can send certification instruction in self-aided terminal ATM or the mode such as micro-letter, note by mobile terminal or the Net silver by bank to payer.
Preferably, described first receiver module 601, comprising:
First receiving element, touch the instruction of the button of the certification instruction arranged on the interface of described self-aided terminal ATM for receiving described first user, or receive the instruction that described first user touches the button of the certification instruction arranged on the Net silver interface of bank;
Second receiving element, for receiving the authentication information that described first user is inputted by the interface of described self-aided terminal ATM or the Net silver interface of described bank, described certification instruction comprises the identify label of described first user, the identify label of the second user and borrowing balance, and described identify label comprises ID (identity number) card No., bank's card number and/or phone number.
Concrete, if loaning bill side sends authentication information by self-aided terminal ATM to payer, first can enter authentication interface by the certification button touched on ATM screen, the form of this certification button can be long-range form of withdrawing deposit.
This authentication interface provides key message input window, such as, borrowing balance, the information of loaning bill side, the information of payer is sent to payer, banking system can according to the contact method of the acquisition of information payer of payer, and the key message inputted in authentication interface loaning bill side sends to payer.
Preferably, described first receiver module 601, comprising:
3rd receiving element, for receiving the certification instruction that described first user sends according to the form pre-set, the described form pre-set comprises the identify label of first user, the identify label of the second user and borrowing balance, and described identify label comprises ID (identity number) card No., bank's card number and/or phone number.
Concrete, loanings bill side can pass through the note of mobile terminal or micro-letter or other modes to banking system transmission certification instruction, and this certification instruction comprises borrowing balance, the information of loaning bill side, the information of payer.
Second receiver module 602, for receiving the instruction of the described authentication information of confirmation of described first user or described second user's transmission;
Concrete, the described authentication information of confirmation can be sent to loaning bill side by payer, such as, identifying code can be sent to loaning bill side, make loaning bill side's input validation code in self-aided terminal ATM or bank net, to realize the mutual certification of loaning bill side and payer.
In addition, payer also directly can will confirm that the instruction of described authentication information sends to banking system, to realize the mutual certification of loaning bill side and payer.
Judge module 603, for judging whether the instruction of described confirmation authentication information meets the information by certification prestored;
Concrete, can authentication code or extract the modes such as the critical field (such as, confirming) that confirms authentication information and judge, whether the confirmation authentication information that loaning bill side or payer send meets the information by certification prestored.
Processing module 604, for if so, then receive and process described first user or described second user send withdrawal information.
Preferably, described processing module 604, for:
Receive the withdrawal information that described first user sends, described withdrawal information at least comprises bank's card number of withdraw funds and described second user;
Described first user is paid by described withdraw funds according to described withdrawal information.
Concrete, the instruction of withdrawing the money that this first user can trigger in self-aided terminal ATM, pays loaning bill side according to this instruction of withdrawing the money by the amount of money of certification.
Preferably, described device also comprises:
3rd receiver module, for receiving the payment instruction that described second user sends, described payment instruction at least comprises the device number of the ATM that described first user is withdrawn the money or bank's card number of described first user;
Described processing module, comprising:
Performance element, if the device number comprising the ATM that described first user is withdrawn the money for described payment instruction, then performs note output in the ATM corresponding with the device number of the ATM that described first user is withdrawn the money;
Print unit, if for described note output action executing success, described first user takes cash dispensing port banknote in time away, then require whether print strip according to described first user, flow process terminates;
Recovery unit, if do not take banknote away in time for described first user, then time-out reclaims.
Concrete, payer can send payment instruction to banking system, this payment instruction comprises the device number of the self-service ATM that loaning bill side withdraws the money, payment instruction is sent to self-service ATM by this banking system, and after the instruction of withdrawing the money receiving the input of loaning bill side, pay loaning bill side by payment.
A kind of device processing user's withdrawal information that the embodiment of the present invention provides, receives the certification instruction that first user triggers, according to described certification instruction, authentication information is sent to the second user; Receive the instruction of the described authentication information of confirmation of described first user or described second user's transmission; Judge whether the instruction of described confirmation authentication information meets the information by certification prestored; If so, then receive and process described first user or described second user send withdrawal information.By adopting technique scheme, can realize holder by the business of withdrawing the money, to it, long-range realization is ready that the people helped provides instant cash to succour.
Note, above are only preferred embodiment of the present invention and institute's application technology principle.Skilled person in the art will appreciate that and the invention is not restricted to specific embodiment described here, various obvious change can be carried out for a person skilled in the art, readjust and substitute and can not protection scope of the present invention be departed from.Therefore, although be described in further detail invention has been by above embodiment, the present invention is not limited only to above embodiment, when not departing from the present invention's design, can also comprise other Equivalent embodiments more, and scope of the present invention is determined by appended right.
Claims (12)
1. process a method for user's withdrawal information, it is characterized in that, described method comprises:
Receive the certification instruction that first user triggers, according to described certification instruction, authentication information is sent to the second user;
Receive the instruction of the described authentication information of confirmation of described first user or described second user's transmission;
Judge whether the instruction of described confirmation authentication information meets the information by certification prestored;
If so, then receive and process described first user or described second user send withdrawal information.
2. method according to claim 1, is characterized in that, the certification instruction that described reception first user triggers, and comprising:
Receive the certification instruction that described first user is triggered by self-aided terminal ATM or mobile terminal or Net silver.
3. method according to claim 2, is characterized in that, the certification instruction that the described first user of described reception is triggered by self-aided terminal ATM or Net silver, comprising:
Receive the instruction that described first user touches the button of the certification instruction arranged on the interface of described self-aided terminal ATM, or receive the instruction that described first user touches the button of the certification instruction arranged on the Net silver interface of bank;
Receive the authentication information that described first user is inputted by the interface of described self-aided terminal ATM or the Net silver interface of described bank, described certification instruction comprises the identify label of described first user, the identify label of the second user and borrowing balance, and described identify label comprises ID (identity number) card No., bank's card number and/or phone number.
4. method according to claim 2, is characterized in that, the certification instruction that the described first user of described reception is triggered by mobile terminal, comprising:
Receive the certification instruction that described first user sends according to the form pre-set, the described form pre-set comprises the identify label of first user, the identify label of the second user and borrowing balance, and described identify label comprises ID (identity number) card No., bank's card number and/or phone number.
5. the method according to claim 2 to 4 any one, is characterized in that, described reception and process described first user send withdrawal information, comprising:
Receive the withdrawal information that described first user sends, described withdrawal information at least comprises bank's card number of withdraw funds and described second user;
Described first user is paid by described withdraw funds according to described withdrawal information.
6. the method according to claim 2 to 4 any one, is characterized in that, described reception and process described second user send withdrawal information before, also comprise:
Receive the payment instruction that described second user sends, described payment instruction at least comprises the device number of the ATM that described first user is withdrawn the money or bank's card number of described first user;
Described reception and process described second user send withdrawal information, comprising:
If described payment instruction comprises the device number of the ATM that described first user is withdrawn the money, then in the ATM corresponding with the device number of the ATM that described first user is withdrawn the money, perform note output;
If described note output action executing success, described first user takes cash dispensing port banknote in time away, then require whether print strip according to described first user, flow process terminates;
If described first user does not take banknote away in time, then time-out reclaims.
7. process a device for user's withdrawal information, it is characterized in that, described device comprises:
First receiver module, for receiving the certification instruction that first user triggers, sends to the second user according to described certification instruction by authentication information;
Second receiver module, for receiving the instruction of the described authentication information of confirmation of described first user or described second user's transmission;
Judge module, for judging whether the instruction of described confirmation authentication information meets the information by certification prestored;
Processing module, for if so, then receive and process described first user or described second user send withdrawal information.
8. device according to claim 7, is characterized in that, described first receiver module, for:
Receive the certification instruction that described first user is triggered by self-aided terminal ATM or mobile terminal or Net silver.
9. device according to claim 8, is characterized in that, described first receiver module, comprising:
First receiving element, touch the instruction of the button of the certification instruction arranged on the interface of described self-aided terminal ATM for receiving described first user, or receive the instruction that described first user touches the button of the certification instruction arranged on the Net silver interface of bank;
Second receiving element, for receiving the authentication information that described first user is inputted by the interface of described self-aided terminal ATM or the Net silver interface of described bank, described certification instruction comprises the identify label of described first user, the identify label of the second user and borrowing balance, and described identify label comprises ID (identity number) card No., bank's card number and/or phone number.
10. device according to claim 8, is characterized in that, described first receiver module, comprising:
3rd receiving element, for receiving the certification instruction that described first user sends according to the form pre-set, the described form pre-set comprises the identify label of first user, the identify label of the second user and borrowing balance, and described identify label comprises ID (identity number) card No., bank's card number and/or phone number.
Device described in 11. according to Claim 8 to 10 any one, is characterized in that, described processing module, for:
Receive the withdrawal information that described first user sends, described withdrawal information at least comprises bank's card number of withdraw funds and described second user;
Described first user is paid by described withdraw funds according to described withdrawal information.
Device described in 12. according to Claim 8 to 10 any one, it is characterized in that, described device also comprises:
3rd receiver module, for receiving the payment instruction that described second user sends, described payment instruction at least comprises the device number of the ATM that described first user is withdrawn the money or bank's card number of described first user;
Described processing module, comprising:
Performance element, if the device number comprising the ATM that described first user is withdrawn the money for described payment instruction, then performs note output in the ATM corresponding with the device number of the ATM that described first user is withdrawn the money;
Print unit, if for described note output action executing success, described first user takes cash dispensing port banknote in time away, then require whether print strip according to described first user, flow process terminates;
Recovery unit, if do not take banknote away in time for described first user, then time-out reclaims.
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| Application Number | Priority Date | Filing Date | Title |
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| CN201510797171.6A CN105279694A (en) | 2015-11-18 | 2015-11-18 | A method and a device for processing money withdrawing information of users |
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| Application Number | Priority Date | Filing Date | Title |
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| CN201510797171.6A CN105279694A (en) | 2015-11-18 | 2015-11-18 | A method and a device for processing money withdrawing information of users |
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| CN105279694A true CN105279694A (en) | 2016-01-27 |
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| CN201510797171.6A Pending CN105279694A (en) | 2015-11-18 | 2015-11-18 | A method and a device for processing money withdrawing information of users |
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