CN109272131A - Foreign currency reserves enchashment method, client, server, the pre- Ark of the Covenant of foreign currency and system - Google Patents
Foreign currency reserves enchashment method, client, server, the pre- Ark of the Covenant of foreign currency and system Download PDFInfo
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- CN109272131A CN109272131A CN201811138462.4A CN201811138462A CN109272131A CN 109272131 A CN109272131 A CN 109272131A CN 201811138462 A CN201811138462 A CN 201811138462A CN 109272131 A CN109272131 A CN 109272131A
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q10/00—Administration; Management
- G06Q10/02—Reservations, e.g. for tickets, services or events
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/08—Payment architectures
- G06Q20/18—Payment architectures involving self-service terminals [SST], vending machines, kiosks or multimedia terminals
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- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
- G06Q40/02—Banking, e.g. interest calculation or account maintenance
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- G—PHYSICS
- G07—CHECKING-DEVICES
- G07F—COIN-FREED OR LIKE APPARATUS
- G07F17/00—Coin-freed apparatus for hiring articles; Coin-freed facilities or services
- G07F17/10—Coin-freed apparatus for hiring articles; Coin-freed facilities or services for means for safe-keeping of property, left temporarily, e.g. by fastening the property
- G07F17/12—Coin-freed apparatus for hiring articles; Coin-freed facilities or services for means for safe-keeping of property, left temporarily, e.g. by fastening the property comprising lockable containers, e.g. for accepting clothes to be cleaned
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Abstract
The embodiment of the present application provides a kind of foreign currency reservation enchashment method, client, server, the pre- Ark of the Covenant of foreign currency and system, requests this method comprises: receiving user and reserving enchashment by the foreign currency that client is initiated；Determine whether the user meets preset condition；When confirming that the user meets preset condition, means of payment option information is returned so that the user selects；According to the means of payment and the foreign currency reserve requests that the user selects, foreign currency reservation enchashment response is returned；Foreign currency enchashment verification information is returned to the user, so that the pre- Ark of the Covenant of foreign currency is when user carries out enchashment operation, the face information based on the verification information and user carries out authentication to user.The treatment effeciency and customer experience of foreign currency reserved withdrawal service can be improved in the embodiment of the present application, reduces the operating pressure of bank outlets' sales counter.
Description
Technical field
This application involves technical fields, reserve enchashment method, client, server, foreign currency more particularly, to a kind of foreign currency
Pre- Ark of the Covenant and system.
Background technique
Currently, client generally directly goes bank counter to handle encashment service after making an appointment foreign currency in advance.It is special in banking amount
When not big, client needs to wait long time, and for the king-sized branch of foreign currency encashment service amount, the work of site sales counter
Pressure is very big.It can be seen that existing foreign currency reserved withdrawal service efficiency is lower, customer experience is poor and increases site sales counter
Operating pressure, it would be highly desirable to improve.
Summary of the invention
The embodiment of the present application is designed to provide a kind of foreign currency reservation enchashment method, client, server, foreign currency reservation
Cabinet and system reduce the work pressure of bank outlets' sales counter to improve the treatment effeciency and customer experience of foreign currency reserved withdrawal service
Power.
In order to achieve the above objectives, on the one hand, the embodiment of the present application provides a kind of foreign currency reservation enchashment method, comprising:
It receives user and enchashment request is reserved by the foreign currency that client is initiated；
Determine whether the user meets preset condition；
When confirming that the user meets preset condition, means of payment option information is returned so that the user selects；
According to the means of payment and the foreign currency reserve requests that the user selects, foreign currency reservation enchashment response is returned；
Foreign currency enchashment verification information is returned to the user, so that the pre- Ark of the Covenant of foreign currency is when user carries out enchashment operation, base
Authentication is carried out to user in the verification information and the face information of user.
On the other hand, the embodiment of the present application provides another foreign currency reservation enchashment method, comprising:
Foreign currency reservation enchashment request is initiated to server；
Receive the means of payment option information that the server returns, and the means of payment for submitting user to select；
Receive the means of payment that the server is selected according to the user and the foreign currency that the foreign currency reserve requests return
Reserve enchashment response；
The foreign currency enchashment verification information that the server returns is received, so that the pre- Ark of the Covenant of foreign currency carries out enchashment operation in user
When, the face information based on the verification information and user carries out authentication to user.
On the other hand, the embodiment of the present application provides another foreign currency reservation enchashment method, comprising:
User is obtained in the verification information and face information submit when enchashment operation；
Determine whether the verification information matches with the verification information prestored, and the face information whether with prestore
Face information matches；
Match in the verification information with the verification information prestored, and the face information and the face information phase that prestores
When matching, corresponding cabinet position door is opened by instruction executing agency.
On the other hand, the embodiment of the present application provides a kind of server, comprising:
Request receiving module reserves enchashment request by the foreign currency that client is initiated for receiving user；
Condition judgment module, for determining whether the user meets preset condition；
Option provides module, for when confirming that the user meets preset condition, return means of payment option information with
It is selected for the user；
Return module is responded, the means of payment and the foreign currency reserve requests for selecting according to the user return outer
Coin reserves enchashment response；
Information sending module is used for, and foreign currency enchashment verification information is returned to the user, so that the pre- Ark of the Covenant of foreign currency is in user
When carrying out enchashment operation, the face information based on the verification information and user carries out authentication to user.
On the other hand, the embodiment of the present application provides a kind of client, comprising:
Initiation module is requested, for initiating foreign currency reservation enchashment request to server；
Option submits module, the means of payment option information returned for receiving the server, and user is submitted to select
The means of payment；
Receiving module is responded, the means of payment and the foreign currency selected according to the user for receiving the server is pre-
About request the foreign currency returned reservation enchashment response；
Information receiving module, the foreign currency enchashment verification information returned for receiving the server, so as to the pre- Ark of the Covenant of foreign currency
When user carries out enchashment operation, the face information based on the verification information and user carries out authentication to user.
On the other hand, the embodiment of the present application provides a kind of pre- Ark of the Covenant of foreign currency, including one or more cabinet positions and identity
Device is verified, the cabinet position is used to store the foreign currency of user's reservation；The authentication means, comprising:
Data obtaining module, for obtaining user in the verification information and face information submit when enchashment operation；
Information matches module, for determining whether the verification information matches with the verification information prestored, and the people
Whether face information matches with the face information prestored；
Module is executed instruction, for matching in the verification information with the verification information prestored, and the face information
When matching with the face information prestored, corresponding cabinet position door is opened by instruction executing agency.
On the other hand, the embodiment of the present application provides a kind of foreign currency reservation cash withdrawal system comprising:
Above-mentioned server；
Above-mentioned client；And
The pre- Ark of the Covenant of above-mentioned foreign currency.
As can be seen from the technical scheme provided by the above embodiments of the present application, the embodiment of the present application is taken based on above-mentioned foreign currency reservation
The mode that existing self-service mode is manually handled instead of sales counter subtracts to greatly improve the treatment effeciency of foreign currency reserved withdrawal service
The waiting time for having lacked client reduces site foreign currency encashment service processing pressure, improves user experience.
Detailed description of the invention
In order to illustrate the technical solutions in the embodiments of the present application or in the prior art more clearly, to embodiment or will show below
There is attached drawing needed in technical description to be briefly described, it should be apparent that, the accompanying drawings in the following description is only this
The some embodiments recorded in application, for those of ordinary skill in the art, in the premise of not making the creative labor property
Under, it is also possible to obtain other drawings based on these drawings.In the accompanying drawings:
Fig. 1 is the structural block diagram that foreign currency reserves cash withdrawal system in one embodiment of the application；
Fig. 2 is the logical construction block diagram of server in one embodiment of the application；
Fig. 3 is the logical construction block diagram of client in one embodiment of the application；
Fig. 4 is the logical construction block diagram for the authentication means that foreign currency reserves cabinet in one embodiment of the application；
Fig. 5 is that the foreign currency of server side in one embodiment of the application reserves enchashment method flow diagram；
Fig. 6 is that the foreign currency of client-side in one embodiment of the application reserves enchashment method flow diagram；
Fig. 7 is that the foreign currency that foreign currency reserves cabinet side in one embodiment of the application reserves enchashment method flow diagram.
Specific embodiment
In order to make those skilled in the art better understand the technical solutions in the application, below in conjunction with the application reality
The attached drawing in example is applied, the technical scheme in the embodiment of the application is clearly and completely described, it is clear that described implementation
Example is merely a part but not all of the embodiments of the present application.Based on the embodiment in the application, this field is common
The application protection all should belong in technical staff's every other embodiment obtained without creative efforts
Range.
Refering to what is shown in Fig. 1, one embodiment of the application foreign currency reservation cash withdrawal system may include client, server and
The pre- Ark of the Covenant of foreign currency.
In one embodiment of the application, the client can be desktop computer, tablet computer, laptop, intelligence
Energy mobile phone, digital assistants, intelligent wearable device etc..Wherein, intelligent wearable device may include Intelligent bracelet, intelligent hand
Table, intelligent glasses, intelligent helmet etc..Certainly, the client is not limited to the above-mentioned electronic equipment with certain entity, also
It can be the software run in above-mentioned electronic equipment.
In one embodiment of the application, the client can carry out data interaction with the server.Specifically,
The client can be used for initiating foreign currency reservation enchashment request to server；Receive the means of payment option that the server returns
Information, and the means of payment for submitting user to select；Receive the means of payment that the server is selected according to the user and described
The foreign currency reservation enchashment response that foreign currency reserve requests return；The foreign currency enchashment verification information that the server returns is received, so as to
For the pre- Ark of the Covenant of foreign currency when user carries out enchashment operation, the face information based on the verification information and user carries out identity to user
Verifying.
In one embodiment of the application, the server can set for the electronics with operation and network interaction function
It is standby；Or run in the electronic equipment, the software of service logic is provided for data processing and network interaction.The service
Device can receive the communication information of client transmission, and send communication information to client.Specifically, the server is available
Enchashment request is reserved by the foreign currency that client is initiated in receiving user；Determine whether the user meets preset condition；True
When recognizing the user and meeting preset condition, means of payment option information is returned so that the user selects；It is selected according to the user
The means of payment and the foreign currency reserve requests selected return to foreign currency reservation enchashment response；, foreign currency enchashment, which is returned, to the user tests
Information is demonstrate,proved, so that the pre- Ark of the Covenant of foreign currency is when user carries out enchashment operation, the face information pair based on the verification information and user
User carries out authentication.
In one embodiment of the application, the pre- Ark of the Covenant of foreign currency may include that one or more cabinet positions and identity are tested
Card device, the cabinet position can be used for storing the foreign currency of user's reservation；The authentication means can be used for carrying out enchashment in user
When operation, the face information of the verification information and user that are provided based on user carries out authentication.Specifically, the foreign currency is pre-
The available user of Ark of the Covenant is in the verification information and face information submit when enchashment operation；Whether determine the verification information
Match with the verification information prestored, and whether the face information matches with the face information prestored；Believe in the verifying
The verification information for ceasing and prestoring matches, and when the face information matches with the face information that prestores, indicates executing agency
Open corresponding cabinet position door.
In one illustrative embodiments of the application, the foreign currency reservation enchashment request that the client is initiated may include using
Family account and identity information (such as can name: Zhang Jianguo, account: 9861456, identification card number: 11xxxxxxxxxxxx
Xx94), foreign currency amount (the foreign currency total amount reserved), foreign currency type (such as dollar, Euro, pound etc.), enchashment time (example
Such as on August 10th, 2018,2018 11 points of the 9 points~morning of the morning on July 15, etc.) and the pre- Ark of the Covenant of foreign currency identify (or enchashment position
It sets).Obviously, this foreign currency reservation enchashment service that can customize, can greatly meet the individual demand of user.
In one embodiment of the application, the pre- Ark of the Covenant mark of foreign currency is used for one pre- Ark of the Covenant of foreign currency of unique identification, described outer
The pre- Ark of the Covenant of coin can deposit in any suitable place such as airport, bank outlets, market, to facilitate user to extract foreign currency.In this Shen
Please be in an embodiment, server can provide the pre- Ark of the Covenant option of multiple available foreign currencies, and user can be specifically outer with on-line selection
The pre- Ark of the Covenant of coin.In an illustrative embodiments, the pre- Ark of the Covenant option of foreign currency can be the sky by server according to the pre- Ark of the Covenant of foreign currency
The recommendations such as history reservation data (or location information of user) of full status indicator, user.
In one embodiment of the application, the foreign currency reservation enchashment request can also include in addition to comprising above- mentioned information
The configuration of foreign currency denomination (such as the Thai Baht of 10 500 yuan of denominations, the Thai Baht of 5 100 yuan of denominations, the Thai Baht of 20 10 yuan of denominations
Deng), to facilitate user to actually use.
Different from above-mentioned customized foreign currency reserved withdrawal service in another embodiment of the application, server can also be with
One or more standardized foreign currency reserved withdrawal services are provided simultaneously.Wherein, each standardized foreign currency reserved withdrawal service
Corresponding foreign currency reserved withdrawal service can be equipped with to identify.Each standardized foreign currency reserved withdrawal service can provide Flat Amount,
The foreign currency reserved withdrawal service of fixed currency type (or even may include fixed foreign currency denomination configuration), such as 1000 dollars of foreign currency are pre-
About encashment service, 5000 yen foreign currency reserved withdrawal service etc..In such a scenario, although user cannot customized foreign currency
Currency type, foreign currency amount and the configuration of foreign currency denomination.But due to being standardized foreign currency reserved withdrawal service, i.e., multiple and different positions
The pre- Ark of the Covenant of foreign currency can provide identical foreign currency reserved withdrawal service, go the pre- Ark of the Covenant of specific foreign currency to carry out foreign currency to eliminate user
The limitation of enchashment operation.Correspondingly, in such a scenario, the foreign currency reservation enchashment request of initiation may include user account and
Identity information, foreign currency reserved withdrawal service mark and enchashment time.
In one embodiment of the application, the means of payment option information that the server returns may include online before taking
Pay and take rear on-line payment etc..When user's selection takes rear on-line payment, it can be recorded and be determined the need for according to user credit
Freeze the deposit of the certain amount of client.It is operated when user completes enchashment, and the means of payment that the user selects is rear online to take
Payment, then the server can after receiving the foreign currency enchashment that the pre- Ark of the Covenant of the foreign currency is sent and completing message, triggering take after
Line pays accounting processing.
In one embodiment of the application, the server determines whether the user meets preset condition, such as can be with
It is the determining user whether in specified limitation trading range.The limitation trading range may include that user's deposit is in
Frozen state, user be insufficient in fund, money laundering blacklist, blacklist of breaking one's promise, violates foreign exchange regulation etc..Pass through this audit machine
System, is not only convenient for exchange control, and advantageously reduce the transaction risk of foreign currency encashment service.
In one embodiment of the application, as needed, the server returns to foreign currency enchashment verifying letter to the user
Breath can be two dimensional code or character string (such as six digit identifying codes: 328765) etc..
In one embodiment of the application, invited in advance described according to the means of payment and the foreign currency of user selection
Ask, after returning to foreign currency reservation enchashment response, and at the specified time point before (such as first 1 day of the enchashment time in reservation
Deng), if receiving the foreign currency reservation enchashment change request of the user, the server can handle the foreign currency reservation enchashment
Change request, and processing result is returned to the user.Correspondingly, the foreign currency for receiving the user after at the specified time point is pre-
About enchashment change request, can refuse the foreign currency reservation enchashment change request of the user, and notify user.In this way, passing through this
Kind mode can reserve enchashment service provider and do the reserved reasonable time of corresponding exception processes for bank or foreign currency.Wherein,
The foreign currency reservation enchashment, which is changed, requests for example to can be foreign currency enchashment amount of money change request, the change of foreign currency enchashment currency type is requested,
One of the request of foreign currency enchashment denomination configuration change, the change request of enchashment time and the pre- Ark of the Covenant change request of foreign currency are a variety of.
In addition, to prevent user from carrying out the wasting of resources caused by repeatedly changing enchashment can be reserved for the foreign currency of user
Change request number of times setting upper limit threshold values (such as two inferior)；If user, which changes number, is greater than upper limit threshold values, visitor can be refused
The change at family.
In another embodiment of the application, reserved described according to the means of payment and the foreign currency of user selection
Request, after returning to foreign currency reservation enchashment response, and before putting at the appointed time (such as it is 24 small before the enchashment time of reservation
When etc.), if receiving the foreign currency reservation enchashment cancellation request of the user, the server can handle the foreign currency reservation
Enchashment cancellation request, and processing result is returned to the user.Correspondingly, if the foreign currency reservation enchashment cancellation of the user is asked
What Seeking Truth proposed after putting at the appointed time, the server can be considered as user and not propose the cancellation request, and notify to use
Family.
In another embodiment of the application, in the specified time point (such as before 2 days of the enchashment time) before the enchashment time,
Client can be reminded by the modes such as send short messages.
In another embodiment of the application, reserved described according to the means of payment and the foreign currency of user selection
Request, after returning to foreign currency reservation enchashment response, and when point reaches between specified (the enchashment time 24 hours etc. beyond reservation),
If the user remains unfulfilled the foreign currency enchashment operation of reservation, the foreign currency reservation that the user can be revoked in the server is taken
Existing business saves the record of breaking one's promise of this foreign currency reserved withdrawal service of the user, and returns to processing result to the user.
In one embodiment of the application, the face information prestored is uploaded to server when can be user's registration in advance
User's facial image etc. or the face figure of user that is obtained according to subscriber identity information from residence management department of server
Picture.As needed, in other embodiments, it also could alternatively be other biological feature for the face information of authentication
(such as iris etc.).In another embodiment, it can also be carried out corresponding according to actual needs for the information of authentication
Increase, delete or changes.
In one embodiment of the application, the pre- Ark of the Covenant of foreign currency obtains user in the verifying submit when enchashment operation
Information can receive testing for user's manually input by the man-machine interactive interface of the authentication means of the pre- Ark of the Covenant of the foreign currency
Card information and obtain, or the verification information of user's offer is read in a manner of scanning etc. by man-machine interactive interface.In addition, user
Voice mode validation information can also be passed through；It is mentioned correspondingly, the pre- Ark of the Covenant of foreign currency can obtain user by speech recognition
The verification information of confession.In one embodiment of the application, the acquisition user in the face information submitted when enchashment operation,
It can be the face by user by the man-machine interactive interface collection in worksite user of the authentication means of the pre- Ark of the Covenant of the foreign currency
Image obtains.
In one embodiment of the application, determine whether the verification information matches and people with the verification information prestored
The matching treatment logic whether face information matches with the face information prestored can be and be executed by the pre- Ark of the Covenant of foreign currency, can also be with
It is to submit server to execute by the pre- Ark of the Covenant of foreign currency, and returned to implementing result after having executed matching treatment logic by server
The pre- Ark of the Covenant of foreign currency.When matching treatment logic is executed by the pre- Ark of the Covenant of foreign currency, what the pre- Ark of the Covenant of foreign currency can be prestored to server acquisition is tested
Card information and the face information prestored.
In one embodiment of the application, in the verification information and the verification information mismatch prestored or the face
When information is mismatched with the face information prestored, the pre- Ark of the Covenant refusal of foreign currency opens corresponding cabinet position door, to ensure the pre- Ark of the Covenant of foreign currency
Interior foreign currency funds safety.In addition, if legitimate user can not be tested because of some reasons (such as verification information loss) by identity
When card, bank or foreign currency reserved withdrawal service provider can be contacted, and by bank or foreign currency reserved withdrawal service provider in core
After real user's identity, corresponding cabinet position door is opened manually, to improve user experience.
As shown in connection with fig. 2, in one embodiment of the application, the server may include request receiving module 21, item
Part judgment module 22, option provide module 23, response return module 24 and information sending module 25.Wherein, request receiving module
21, which can be used for receiving user, reserves enchashment request by the foreign currency that client is initiated；Described in condition judgment module 22 can be used for determining
Whether user meets preset condition；Option, which provides module 23, can be used for returning to branch when confirming that the user meets preset condition
Mode option information is paid so that the user selects；The means of payment that response return module 24 can be used for being selected according to the user
And the foreign currency reserve requests, return to foreign currency reservation enchashment response；Information sending module 25 can be used for, to outside user return
Coin enchashment verification information, so that the pre- Ark of the Covenant of foreign currency is when user carries out enchashment operation, the people based on the verification information and user
Face information carries out authentication to user.
As shown in connection with fig. 3, in one embodiment of the application, the client may include request initiation module 31, choosing
Item submits module 32, response receiving module 33 and information receiving module 34.Wherein, request initiation module 31 can be used for server
Initiate foreign currency reservation enchashment request；Option submits module 32 to can be used for receiving the means of payment option letter that the server returns
Breath, and the means of payment for submitting user to select；Response receiving module 33 can be used for receiving the server and be selected according to the user
The foreign currency reservation enchashment response that the means of payment selected and the foreign currency reserve requests return；Information receiving module 34 can be used for receiving
The foreign currency enchashment verification information that the server returns, so that the pre- Ark of the Covenant of foreign currency is when user carries out enchashment operation, based on described
Verification information and the face information of user carry out authentication to user.
As shown in connection with fig. 4, in one embodiment of the application, the authentication means of the pre- Ark of the Covenant of foreign currency may include information
It obtains module 41, information matches module 42 and executes instruction module 43.Wherein, data obtaining module 41 can be used for obtaining user and exist
Carry out the verification information and face information submitted when enchashment operation；Information matches module 42 can be used for determining that the verification information is
It is no to match with the verification information prestored, and whether the face information matches with the face information prestored；Execute instruction mould
Block 43 can be used for matching in the verification information with the verification information prestored, and the face information and the face information prestored
When matching, corresponding cabinet position door is opened by instruction executing agency.
For convenience of description, it is divided into various units when description apparatus above with function to describe respectively.Certainly, implementing this
The function of each unit can be realized in the same or multiple software and or hardware when application.
Refering to what is shown in Fig. 5, the foreign currency reservation enchashment method of server side may include following in one embodiment of the application
Step:
S501, the foreign currency reservation enchashment request that user is initiated by client is received.
S502, determine whether the user meets preset condition.
S503, when confirming that the user meets preset condition, return to means of payment option information so that the user selects
It selects.
S504, the means of payment and the foreign currency reserve requests selected according to the user return to foreign currency reservation enchashment and ring
It answers.
S505, foreign currency enchashment verification information is returned to the user, so that the pre- Ark of the Covenant of foreign currency carries out enchashment operation in user
When, the face information based on the verification information and user carries out authentication to user.
Refering to what is shown in Fig. 6, the foreign currency reservation enchashment method of client-side may include following in one embodiment of the application
Step:
S601, foreign currency reservation enchashment request is initiated to server；
S602, the means of payment option information that the server returns, and the means of payment for submitting user to select are received；
What the means of payment and the foreign currency reserve requests that S603, the reception server are selected according to the user returned
Foreign currency reserves enchashment response；
S604, the foreign currency enchashment verification information that the server returns is received, so that the pre- Ark of the Covenant of foreign currency takes in user
When now operating, the face information based on the verification information and user carries out authentication to user.
Refering to what is shown in Fig. 7, in one embodiment of the application, the foreign currency reservation enchashment method of the pre- Ark of the Covenant side of foreign currency may include
Following steps:
S701, user is obtained in the verification information and face information submit when enchashment operation.
S702, determine whether the verification information matches with the verification information prestored, and the face information whether with
The face information prestored matches.
S703, match in the verification information with the verification information prestored, and the face information and the face prestored
When information matches, corresponding cabinet position door is opened by instruction executing agency.
Although procedures described above process includes the multiple operations occurred with particular order, it should however be appreciated that understand,
These processes may include more or fewer operations, these operations can be executed sequentially or be executed parallel (such as using parallel
Processor or multi-thread environment).
It can be seen that the side that the application is manually handled based on the above-mentioned foreign currency reservation self-service mode of enchashment instead of sales counter
Formula reduces the waiting time of client to greatly improve the treatment effeciency of foreign currency reserved withdrawal service, reduces site foreign currency
Encashment service processing pressure, improves user experience.
Namely the present invention can not only promote the service experience of client, also can be reduced the operation cost of bank outlets.
The application be referring to according to the method for the embodiment of the present invention, the process of equipment (system) and computer program product
Figure and/or block diagram describe.It should be understood that every one stream in flowchart and/or the block diagram can be realized by computer program instructions
The combination of process and/or box in journey and/or box and flowchart and/or the block diagram.It can provide these computer programs
Instruct the processor of general purpose computer, special purpose computer, Embedded Processor or other programmable data processing devices to produce
A raw machine, so that being generated by the instruction that computer or the processor of other programmable data processing devices execute for real
The device for the function of being specified in present one or more flows of the flowchart and/or one or more blocks of the block diagram.
These computer program instructions, which may also be stored in, is able to guide computer or other programmable data processing devices with spy
Determine in the computer-readable memory that mode works, so that it includes referring to that instruction stored in the computer readable memory, which generates,
Enable the manufacture of device, the command device realize in one box of one or more flows of the flowchart and/or block diagram or
The function of being specified in multiple boxes.
These computer program instructions also can be loaded onto a computer or other programmable data processing device, so that counting
Series of operation steps are executed on calculation machine or other programmable devices to generate computer implemented processing, thus in computer or
The instruction executed on other programmable devices is provided for realizing in one or more flows of the flowchart and/or block diagram one
The step of function of being specified in a box or multiple boxes.
In a typical configuration, calculating equipment includes one or more processors (CPU), submission/output interface, net
Network interface and memory.
Memory may include the non-volatile memory in computer-readable medium, random access memory (RAM) and/or
The forms such as Nonvolatile memory, such as read-only memory (ROM) or flash memory (flash RAM).Memory is computer-readable medium
Example.
Computer-readable medium includes permanent and non-permanent, removable and non-removable media can be by any method
Or technology come realize information store.Information can be computer readable instructions, data structure, the module of program or other data.
The example of the storage medium of computer includes, but are not limited to phase change memory (PRAM), static random access memory (SRAM), moves
State random access memory (DRAM), other kinds of random access memory (RAM), read-only memory (ROM), electric erasable
Programmable read only memory (EEPROM), flash memory or other memory techniques, read-only disc read only memory (CD-ROM) (CD-ROM),
Digital versatile disc (DVD) or other optical storage, magnetic cassettes, tape magnetic disk storage or other magnetic storage devices
Or any other non-transmission medium, can be used for storage can be accessed by a computing device information.As defined in this article, it calculates
Machine readable medium does not include temporary computer readable media (transitory media), such as the data-signal and carrier wave of modulation.
It should also be noted that, the terms "include", "comprise" or its any other variant are intended to nonexcludability
Include, so that process, method or equipment including a series of elements not only include those elements, but also including not having
There is the other element being expressly recited, or further includes for this process, method or the intrinsic element of equipment.Do not having more
In the case where more limitations, the element that is limited by sentence "including a ...", it is not excluded that including process, the side of the element
There is also other identical elements in method or equipment.
It will be understood by those skilled in the art that embodiments herein can provide as method, system or computer program product.
Therefore, complete hardware embodiment, complete software embodiment or embodiment combining software and hardware aspects can be used in the application
Form.It is deposited moreover, the application can be used to can be used in the computer that one or more wherein includes computer usable program code
The shape for the computer program product implemented on storage media (including but not limited to magnetic disk storage, CD-ROM, optical memory etc.)
Formula.
The application can describe in the general context of computer-executable instructions executed by a computer, such as program
Module.Generally, program module includes routines performing specific tasks or implementing specific abstract data types, programs, objects, group
Part, data structure etc..The application can also be practiced in a distributed computing environment, in these distributed computing environments, by
Task is executed by the connected remote processing devices of communication network.In a distributed computing environment, program module can be with
In the local and remote computer storage media including storage equipment.
All the embodiments in this specification are described in a progressive manner, same and similar portion between each embodiment
Dividing may refer to each other, and each embodiment focuses on the differences from other embodiments.Especially for method reality
For applying example, since it is substantially similar to system embodiment, so being described relatively simple, related place is referring to embodiment of the method
Part explanation.
The above description is only an example of the present application, is not intended to limit this application.For those skilled in the art
For, various changes and changes are possible in this application.All any modifications made within the spirit and principles of the present application are equal
Replacement, improvement etc., should be included within the scope of the claims of this application.
Claims (14)
1. a kind of foreign currency reserves enchashment method characterized by comprising
It receives user and enchashment request is reserved by the foreign currency that client is initiated；
Determine whether the user meets preset condition；
When confirming that the user meets preset condition, means of payment option information is returned so that the user selects；
According to the means of payment and the foreign currency reserve requests that the user selects, foreign currency reservation enchashment response is returned；
Foreign currency enchashment verification information is returned to the user, so that the pre- Ark of the Covenant of foreign currency is when user carries out enchashment operation, is based on institute
The face information for stating verification information and user carries out authentication to user.
2. foreign currency as described in claim 1 reserves enchashment method, which is characterized in that carried in the foreign currency reservation enchashment request
Any one in following information:
The account and identity information of user, foreign currency amount, foreign currency type, enchashment time and the pre- Ark of the Covenant mark of foreign currency；
The account and identity information of user, foreign currency amount, foreign currency type, enchashment time and enchashment position；
The account and identity information of user, foreign currency amount, foreign currency type, the configuration of foreign currency denomination, enchashment time and the pre- Ark of the Covenant of foreign currency
Mark；
The account and identity information of user, foreign currency amount, foreign currency type, the configuration of foreign currency denomination, enchashment time and enchashment position；
The account and identity information of user, foreign currency reserved withdrawal service identifies and the enchashment time.
3. foreign currency as described in claim 1 reserves enchashment method, which is characterized in that it is pre- whether the determination user meets
If condition, comprising:
Determine the user whether in specified limitation trading range.
4. foreign currency as described in claim 1 reserves enchashment method, which is characterized in that the means of payment includes online branch before taking
Pay and take rear on-line payment；
Correspondingly, if user completes enchashment operation, and the means of payment that the user selects then is connecing to take rear on-line payment
After receiving the foreign currency enchashment completion message that the pre- Ark of the Covenant of the foreign currency is sent, triggering takes rear on-line payment accounting processing.
5. foreign currency as described in claim 1 reserves enchashment method, which is characterized in that in the branch selected according to the user
Mode and the foreign currency reserve requests are paid, after return foreign currency reservation enchashment response, further includes:
Before specified first time point, if receiving the foreign currency reservation enchashment change request of the user, handle described outer
Coin reserves enchashment change request, and returns to processing result to the user.
6. foreign currency as claimed in claim 5 reserves enchashment method, which is characterized in that the foreign currency reservation enchashment change request,
Including any one or more in following:
The change request of the foreign currency enchashment amount of money；
The change request of foreign currency enchashment currency type；
The request of foreign currency enchashment denomination configuration change；
The change request of enchashment time；
The pre- Ark of the Covenant change request of foreign currency.
7. foreign currency as described in claim 1 reserves enchashment method, which is characterized in that in the branch selected according to the user
Mode and the foreign currency reserve requests are paid, after return foreign currency reservation enchashment response, further includes:
Before specified second time point, if receiving the foreign currency reservation enchashment cancellation request of the user, handle described outer
Coin reserves enchashment cancellation request, and returns to processing result to the user.
8. foreign currency as described in claim 1 reserves enchashment method, which is characterized in that in the branch selected according to the user
Mode and the foreign currency reserve requests are paid, after return foreign currency reservation enchashment response, further includes:
When reaching at specified third time point, if the user does not complete the foreign currency enchashment operation of reservation, the use is cancelled
The foreign currency reserved withdrawal service at family, saves the record of breaking one's promise of this foreign currency reserved withdrawal service of the user, and to the user
Return to processing result.
9. a kind of foreign currency reserves enchashment method characterized by comprising
Foreign currency reservation enchashment request is initiated to server；
Receive the means of payment option information that the server returns, and the means of payment for submitting user to select；
It receives the means of payment that the server is selected according to the user and the foreign currency that the foreign currency reserve requests return is reserved
Enchashment response；
The foreign currency enchashment verification information that the server returns is received, so that the pre- Ark of the Covenant of foreign currency is when user carries out enchashment operation,
Face information based on the verification information and user carries out authentication to user.
10. a kind of foreign currency reserves enchashment method characterized by comprising
User is obtained in the verification information and face information submit when enchashment operation；
Determine whether the verification information matches with the verification information prestored, and the face information whether with the face that prestores
Information matches；
Match in the verification information with the verification information prestored, and the face information matches with the face information prestored
When, corresponding cabinet position door is opened by instruction executing agency.
11. a kind of server characterized by comprising
Request receiving module reserves enchashment request by the foreign currency that client is initiated for receiving user；
Condition judgment module, for determining whether the user meets preset condition；
Option provides module, for when confirming that the user meets preset condition, returning to means of payment option information for institute
State user's selection；
Return module is responded, it is pre- to return to foreign currency for the means of payment and the foreign currency reserve requests for selecting according to the user
About enchashment responds；
Information sending module is used for, and returns to foreign currency enchashment verification information to the user, so that the pre- Ark of the Covenant of foreign currency is carried out in user
When enchashment operates, the face information based on the verification information and user carries out authentication to user.
12. a kind of client characterized by comprising
Initiation module is requested, for initiating foreign currency reservation enchashment request to server；
Option submits module, the means of payment option information returned for receiving the server, and the branch for submitting user to select
The mode of paying；
Receiving module is responded, is invited in advance for receiving the means of payment that the server is selected according to the user and the foreign currency
The foreign currency of return is asked to reserve enchashment response；
Information receiving module, the foreign currency enchashment verification information returned for receiving the server, so as to the pre- Ark of the Covenant of foreign currency with
When family carries out enchashment operation, the face information based on the verification information and user carries out authentication to user.
13. a kind of pre- Ark of the Covenant of foreign currency, which is characterized in that including one or more cabinet positions and authentication means, the cabinet position
For storing the foreign currency of user's reservation；The authentication means, comprising:
Data obtaining module, for obtaining user in the verification information and face information submit when enchashment operation；
Information matches module, for determining whether the verification information matches with the verification information prestored, and the face is believed
Whether breath matches with the face information prestored；
Module is executed instruction, for matching in the verification information with the verification information prestored, and the face information and pre-
When the face information deposited matches, corresponding cabinet position door is opened by instruction executing agency.
14. a kind of foreign currency reserves cash withdrawal system characterized by comprising
Server described in claim 11；
Client described in claim 12；And
The pre- Ark of the Covenant of foreign currency described in claim 13.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201811138462.4A CN109272131A (en) | 2018-09-28 | 2018-09-28 | Foreign currency reserves enchashment method, client, server, the pre- Ark of the Covenant of foreign currency and system |
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201811138462.4A CN109272131A (en) | 2018-09-28 | 2018-09-28 | Foreign currency reserves enchashment method, client, server, the pre- Ark of the Covenant of foreign currency and system |
Publications (1)
| Publication Number | Publication Date |
|---|---|
| CN109272131A true CN109272131A (en) | 2019-01-25 |
Family
ID=65198740
Family Applications (1)
| Application Number | Title | Priority Date | Filing Date |
|---|---|---|---|
| CN201811138462.4A Pending CN109272131A (en) | 2018-09-28 | 2018-09-28 | Foreign currency reserves enchashment method, client, server, the pre- Ark of the Covenant of foreign currency and system |
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| CN (1) | CN109272131A (en) |
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| CN110428079A (en) * | 2019-08-15 | 2019-11-08 | 中国银行股份有限公司 | Foreign currency reservation in site is self-service to get method, apparatus and system |
| CN110853220A (en) * | 2019-11-27 | 2020-02-28 | 中国银行股份有限公司 | Foreign currency processing method and system |
| CN111626458A (en) * | 2020-06-03 | 2020-09-04 | 中国银行股份有限公司 | Processing method and device for user reservation request and related equipment |
| CN111639926A (en) * | 2020-06-15 | 2020-09-08 | 中国银行股份有限公司 | Card-free cash withdrawal method, device, storage medium and equipment |
| CN112419610A (en) * | 2020-11-19 | 2021-02-26 | 北京民融昌泰科技有限公司 | Smart pipe system, control method, and computer-readable storage medium |
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Application publication date: 20190125 |