CN110148268A - Withdrawal method and apparatus - Google Patents
Withdrawal method and apparatus Download PDFInfo
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- CN110148268A CN110148268A CN201910432052.9A CN201910432052A CN110148268A CN 110148268 A CN110148268 A CN 110148268A CN 201910432052 A CN201910432052 A CN 201910432052A CN 110148268 A CN110148268 A CN 110148268A
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- G—PHYSICS
- G07—CHECKING-DEVICES
- G07F—COIN-FREED OR LIKE APPARATUS
- G07F19/00—Complete banking systems; Coded card-freed arrangements adapted for dispensing or receiving monies or the like and posting such transactions to existing accounts, e.g. automatic teller machines
- G07F19/20—Automatic teller machines [ATMs]
- G07F19/203—Dispensing operations within ATMs
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- G—PHYSICS
- G07—CHECKING-DEVICES
- G07F—COIN-FREED OR LIKE APPARATUS
- G07F19/00—Complete banking systems; Coded card-freed arrangements adapted for dispensing or receiving monies or the like and posting such transactions to existing accounts, e.g. automatic teller machines
- G07F19/20—Automatic teller machines [ATMs]
- G07F19/207—Surveillance aspects at ATMs
-
- G—PHYSICS
- G07—CHECKING-DEVICES
- G07F—COIN-FREED OR LIKE APPARATUS
- G07F19/00—Complete banking systems; Coded card-freed arrangements adapted for dispensing or receiving monies or the like and posting such transactions to existing accounts, e.g. automatic teller machines
- G07F19/20—Automatic teller machines [ATMs]
- G07F19/211—Software architecture within ATMs or in relation to the ATM network
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- Accounting & Taxation (AREA)
- Finance (AREA)
- Physics & Mathematics (AREA)
- General Physics & Mathematics (AREA)
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- Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)
Abstract
The present invention provides withdrawal method and apparatus, wherein method includes: to obtain the identity information of first user in the case where getting withdrawal request；Judge whether first user meets preset condition according to the identity information of first user；In the case where first user meets the preset condition, display the first display interface corresponding at least one assistance account；In the case where getting the selection instruction for target assistance account, the corresponding second user terminal of account is assisted to send control request to the target, in the case where detecting that the second user terminal receives control request, the withdrawal of the second user terminal is authorized to control operation；The remote operation instruction that the second user terminal is sent is obtained, operation of withdrawing the money is completed according to the remote operation instruction.The technical solution may be implemented that specific group is assisted to complete to withdraw the money in self-service withdrawal machine.
Description
Technical field
The present invention relates to field of computer technology more particularly to withdrawal method and apparatus.
Background technique
Self-help drawing money is carried out in self-service withdrawal machine to have been widely used in daily life, is brought much just to user
Benefit, however, for some specific groups (such as bad user of the elderly, physical condition or illiterate user), behaviour
It is still a big problem as self-service withdrawal machine, the schooling of some specific groups may be not high enough so that not will use certainly
Cash dispenser is helped, to cannot achieve self-help drawing money.
Such as the Chinese invention authorization that Authorization Notice No. is CN104464117B discloses one kind based on dynamic two-dimension code silver
Row ATM withdrawal method and system need to scan the dynamic two-dimension code image shown in ATM by mobile phone,
And transaction data is sent to Mobile banking's server；And ATM (automatic teller machine) front server returns to response message, such as
Normal then note output is returned to, otherwise prompt information, closes the trade.And for this withdrawal method, when withdrawal user is specific group
When, the methods of lead to not to scan the two-dimensional code by operating handset due to not will use mobile phone and realizes and withdraw the money.
For another example existing frequently-used self-service withdrawal machine carries out phase since the user that needs to withdraw the money holds bank card in self-service withdrawal machine
It should operate and just be able to achieve withdrawal, and situations such as specific group is bad there are illiterate or physical condition, it can not be taken according to self-service
Self-help drawing money is realized in the prompt of money machine.
Summary of the invention
The embodiment of the present invention provides withdrawal method and apparatus, solves specific group and is difficult to realize withdrawal by self-service withdrawal machine
The problem of.
In a first aspect, providing withdrawal method, comprising:
In the case where getting withdrawal request, the identity information of first user, the body of first user are obtained
Part information includes the first user's body situation and/or the first age of user；
Judge whether first user meets preset condition, the default item according to the identity information of first user
Part include first age of user whether meet default age range and/or the first user's body situation whether meet it is pre-
If physical condition；
In the case where first user meets the preset condition, display and at least one assistance account corresponding the
One display interface；
Get assist the selection instruction of account for target in the case where, Xiang Suoshu target assists account corresponding the
Two user terminals send control request, in the case where detecting that the second user terminal receives control request, authorization
The withdrawal of the second user terminal controls operation, and the control requests to be used to indicate the second user terminal according to described the
The touch control operation of two users generates remote operation instruction；
The remote operation instruction that the second user terminal is sent is obtained, the behaviour that withdraws the money is completed according to the remote operation instruction
Make.
In the embodiment of the present invention, in the case where getting withdrawal request, the identity information of the first user is obtained, is being judged
When meeting preset condition to the first user, display the first display interface corresponding at least one assistance account is getting needle
In the case where the selection instruction for assisting account to target, assists the corresponding second user terminal of account to send control to target and ask
It asks, in the case where detecting that second user terminal receives control request, authorizes the withdrawal of second user to control operation, and obtaining
Operation of withdrawing the money is completed in the case where getting the remote operation instruction of second user terminal transmission.Pass through second terminal remote assistance
Method realizes withdrawal of the withdrawal user in self-service withdrawal machine, improves the safety of withdrawal user withdrawal, and withdrawal user without
User time need to be saved, is that withdrawal user is pre-set due to assisting account by being waited in artificial withdrawal window queuing
Account, the assistance account is corresponding to assist user to have the user of trusting relationship with withdrawal user, and it is special to may be implemented to assist
Group completes the safety withdrawn the money of withdrawing the money and improve in self-service withdrawal machine.
With reference to first aspect, in one possible implementation, described to detect the second user terminal receiving
In the case where the control request, after authorizing the withdrawal of the second user terminal to control operation, further includes: to described first
User is taken pictures to obtain the photo with first user's face；The photo is sent to the second user terminal；
In the case where getting the early warning request that the second user terminal is sent, the location information of current cash dispenser is sent to institute
State second user terminal.
With reference to first aspect, in one possible implementation, described to obtain the remote of the second user terminal transmission
Journey operational order is withdrawn the money after operating, further includes: detecting that first user is complete according to remote operation instruction completion
After operation of withdrawing the money, withdrawal success response is sent to the second user terminal, so that described in the second user terminal shows
Withdrawal success response.
With reference to first aspect, in one possible implementation, described to obtain the remote of the second user terminal transmission
Journey operational order is withdrawn the money after operating, further includes: detecting that first user is complete according to remote operation instruction completion
At withdraw the money operation and within a preset time have not been obtained first user card taking instruction in the case where, generate first prompt ring
It answers, first prompt response is for prompting first user to take current bank card away；Getting first user's
In the case that card taking instructs, cancels and show first prompt response.
With reference to first aspect, in one possible implementation, described in the case where getting withdrawal request, it obtains
After the identity information of first user, further includes: whether the remaining sum for detecting current cash dispenser is less than default amount threshold value；?
In the case that the remaining sum of the cash dispenser is less than default amount threshold value, the second prompt response is generated, second prompt response is used
In the balance information for indicating the cash dispenser.
With reference to first aspect, in one possible implementation, the method also includes: to the target assist account
Corresponding assistance information carries out voice broadcast, and carries out voice with second prompt response to first prompt response and broadcast
Report, the assistance information include the withdrawal information at the information for assisting account and/or current withdrawal interface；It is described getting
In the case where corresponding first voice data of first user, matched in sound-type model according to first voice data with
The corresponding second speech data of first voice data, and determine the sound-type of the second speech data；According to described second
The sound-type of voice data carries out voice to the assistance information, first prompt response and second prompt response
Casting.
With reference to first aspect, in one possible implementation, the identity information according to first user is sentenced
Whether first user of breaking meets preset condition, comprising: in the case where first user is unsatisfactory for the preset condition,
Show that the second display interface, second display interface are self-help drawing money interface.
Second aspect provides withdraw device, comprising:
Identity information acquisition module, for obtaining the identity of first user in the case where getting withdrawal request
Information, the identity information of first user include the first user's body situation and/or the first age of user；
Signal judgement module, it is pre- for judging whether first user meets according to the identity information of first user
If condition, the preset condition includes whether first age of user meets default age range and/or first user
Whether physical condition meets default physical condition；
First interface display module, for showing in the case where first user meets the preset condition and extremely
Few corresponding first display interface of an assistance account；
Control request sending module, for get for target assist account selection instruction in the case where, to institute
Stating target assists the corresponding second user terminal of account to send control request, is detecting described in the second user terminal receiving
In the case where control request, the withdrawal of the second user terminal is authorized to control operation, the control request is used to indicate described
Second user terminal generates remote operation instruction according to the touch control operation of the second user；
Remote operation instruction obtains module, the remote operation instruction sent for obtaining the second user terminal, according to
The remote operation instruction completes operation of withdrawing the money.
The third aspect, provides another withdraw device, including processor, memory and communication interface, the processor,
Memory and communication interface are connected with each other, wherein the communication interface is for receiving or sending data, and the memory is for depositing
The application code that withdraw device executes the above method is stored up, the processor is configured for executing the side of above-mentioned first aspect
Method.
Fourth aspect provides a kind of computer storage medium, and the computer storage medium is stored with computer program, institute
Stating computer program includes program instruction, and described program instruction makes the processor execute above-mentioned first when being executed by a processor
The method of aspect.
In the embodiment of the present invention, by obtaining the photo of the face comprising current first user and being sent to second user end
End, second user can be judged by the photo shown in second user terminal withdrawal user whether be legal withdrawal user or
Person and legal withdrawal user have the withdrawal user of trusting relationship, so that it is determined that whether the bank card of withdrawal user is stolen or loses
It loses, in the case where determining that the bank card of the first user is stolen or loses, second user terminal sends early warning request, pre- according to this
Alert request sends the information such as current cash dispenser position to second user terminal, alarms convenient for second user, improves withdrawal
The safety of the information such as user identity and property；By to assist the information of account, current withdrawal interface withdrawal information, the
One prompt response and the second prompt response carry out voice broadcast, and the first user can be made to understand current assistance withdrawal user information
And content of currently withdrawing the money, in the case where detecting the voice data of the first user, according to the voice data with the first user
The corresponding sound-type of type carries out voice broadcast, and the first user can be made to better understand current speech casting content, mentioned
Rise the interest of human-computer interaction.
Detailed description of the invention
It to describe the technical solutions in the embodiments of the present invention more clearly, below will be to needed in the embodiment
Attached drawing is briefly described, it should be apparent that, drawings in the following description are only some embodiments of the invention, for ability
For the those of ordinary skill of domain, without creative efforts, it can also be obtained according to these attached drawings other attached
Figure.
Fig. 1 is a kind of structural schematic diagram of withdrawal system provided in an embodiment of the present invention；
Fig. 2 is a kind of flow diagram of withdrawal method provided in an embodiment of the present invention；
Fig. 3 is the flow diagram of another withdrawal method provided in an embodiment of the present invention；
Fig. 4 is the flow diagram of another withdrawal method provided in an embodiment of the present invention；
Fig. 5 is a kind of composed structure schematic diagram of withdraw device provided in an embodiment of the present invention；
Fig. 6 is the composed structure schematic diagram of another withdraw device provided in an embodiment of the present invention.
Specific embodiment
Following will be combined with the drawings in the embodiments of the present invention, and technical solution in the embodiment of the present invention carries out clear, complete
Site preparation description, it is clear that the described embodiment is only a part of the embodiment of the present invention, instead of all the embodiments.Based on this
Embodiment in invention, every other reality obtained by those of ordinary skill in the art without making creative efforts
Example is applied, shall fall within the protection scope of the present invention.
The scheme of the embodiment of the present invention is suitable for the scene that withdrawal user is withdrawn the money by self-service withdrawal machine, some
In possible situation, withdrawal user can not by oneself to the operation of cash dispenser realize self-help drawing money (such as withdrawal user be from
Help the difficult specific group that withdraws the money), therefore by assisting user to remotely operate in second user terminal to cash dispenser, make
Self-help drawing money can be realized in self-service withdrawal machine by obtaining withdrawal user, reduced withdrawal user and taken considerable time at bank counter
Wait in line, also improves withdrawal efficiency.
It is a kind of structural schematic diagram of withdrawal system provided in an embodiment of the present invention referring to Fig. 1, Fig. 1, as shown, withdrawing the money
System includes cash dispenser 101, server 102 and second user terminal 103.Cash dispenser 101 can be used for according to the first user
Operation is realized and withdraws the money and send and receive to second user terminal 103 interactive information, cash dispenser 101 can be also used for using
Family interaction obtains operation of first user on cash dispenser 101, response user's operation, etc..Second user terminal 103 is for example
It can be mobile phone, computer, tablet computer, etc..Server 102 is used to receive the request of the transmission of cash dispenser 101, and will receive
Request be sent to second user terminal 103, and the request received from second user terminal 103 is sent to cash dispenser
101, realize the interaction between cash dispenser 101 and second user terminal 103.Second user terminal 103 can be for one or more
A, server 102 can be the server of bank, and server 102 can be one or more.Have in server 102 multiple
In the case of, multiple servers 102 form server group.In some embodiments, multiple services in the server group
Device can complete operation of withdrawing the money with cooperative cooperating, and each server can be used for completing different operations.For example, the server group
In first server can be used for interacting with cash dispenser 101, receive request or data that cash dispenser 101 is sent, and, to taking
Money machine 101 sends request or data；Second server in the server group can be used for handing over second user terminal 103
Mutually；Third server in the server group can be used to save the information of cash dispenser 101 and the first user；Etc..?
In other embodiments, multiple servers in the server group can also have identical function, identical for completing
Operation, i.e., each server in the server group may be incorporated for interacting with second user terminal interaction, with cash dispenser,
Save the information etc. of the first user.The embodiment of the present invention is with no restrictions.
Referring to fig. 2, Fig. 2 is a kind of flow diagram of withdrawal method provided in an embodiment of the present invention, as shown, the party
Method includes:
S101 obtains the identity information of the first user, the identity letter of the first user in the case where getting withdrawal request
Breath includes the first user's body situation and/or the first age of user.
Here, the first user is withdrawal user, the first user's body situation can for healthy (no disease or minor ailment),
Inferior health (have disease but do not influence daily life), unhealthy (disease for the daily life that has an impact, such as eye illness etc.) etc., first
The age of user can be the age on the first user identity card, or what the first user prestored when opening bank card account
Age etc. in identity information.
Specifically, the first user is inserted into bank card in the corresponding position of cash dispenser first, then carries out authentication, identity
The method of certification includes but is not limited to input the authentication methods such as password, finger print identifying, voiceprint/recognition of face；It is used first
In the successful situation of the authentication at family, then withdrawal request is got, and obtain the first subscriber identity information.It can be from department of banking
The first subscriber identity information is obtained in system, which can be stored in department of banking when opening bank card account for the first user
Identity information in system.Specifically, the first subscriber identity information acquisition request can be sent to banking system, banking system according to
The first subscriber identity information acquisition request finds the first subscriber identity information in corresponding system and sends the first user
Identity information is to cash dispenser, to get the first subscriber identity information.Can also from XX medical facility system or other deposit
Contain the identity information that the first user is obtained in the system of the first subscriber identity information.Optionally, user can also be obtained pre-
If the physical condition in the period, preset time period can be any time periods such as one month, three months, six months.
Optionally, whether the remaining sum that can also detect current cash dispenser is less than default amount threshold value；In the remaining sum of cash dispenser
In the case where default amount threshold value, the second prompt response is generated, the second prompt response is used to indicate the remaining sum letter of cash dispenser
Breath.
Here, presetting amount threshold value can be the arbitrary values such as 100,300,500.Second prompt response can be used for prompting to work as
Preceding remaining sum is too low or the information of current balance quantity.Second prompt response can be the prompt tone of " ticking ", or
Voice broadcast " current balance is too low " or " current balance quantity is 300 yuan " etc., can also show on cash dispenser display interface
Show the second prompt response, such as display " current balance quantity the is 300 yuan " information on cash dispenser display interface.
S102 judges whether the first user meets preset condition according to the identity information of the first user, and preset condition includes
Whether the first age of user meets default age range and/or whether the first user's body situation meets default physical condition.
Here, default age range can be the age ranges such as (5,8), (65,120), in the specific implementation, can be according to tool
The setting of body situation adjusts default age range.Default physical condition may include that " (eyes can not see fines clearly for inferior health
Product) " etc. physical conditions.Optionally, preset condition can also include whether the schooling of the first user meets default cultural journey
Degree, default schooling can be illiteracy, primary school, first medium.
When the first age of user meets default age range or the first user's body situation meets default physical condition, then
Think that the first user meets preset condition；Alternatively, meeting default age range and the first user's body shape in the first age of user
When condition meets default physical condition, then it is assumed that the first user meets preset condition；Optionally, meet in the first age of user default
Age range, the first user's body situation meet default physical condition or the schooling of the first user meets default cultural journey
In the case of at least one of degree, it can think that the first user meets preset condition.
S103, in the case where the first user meets preset condition, display assists account corresponding first at least one
Display interface.
In the embodiment of the present invention, when the first user meets one of situation in preset condition, can be determined
One user meets preset condition, then display the first display interface corresponding at least one assistance account.Here, the first display circle
Face is to need the display interface assisted, at least one is shown on the interface and assists account, the first user can choose this first
Assistance account on display interface.
Optionally, the second user terminal feature with each assistance account binding can be shown on the first display interface.This
In, second user terminal feature is used to indicate the feature of the second user using second user terminal, and this feature can make to withdraw the money
User understands the corresponding second user of each assistance account on current first display interface, selects to assist account convenient for withdrawal user
Number.For example, second user feature can be number, the corresponding second user of each number.Such as with assist the of account A binding
Two user characteristics can be number 1 and the second user feature for assisting account B to bind can be number 2, tie up with account C is assisted
Fixed second user feature can be number 3.Alternatively, second user feature can be used for the photo of second user and second
The telephone number at family etc. other can be used for uniquely indicating the feature of second user.
Citing is illustrated to meet preset condition to the first user, for example, default age range is (65,120), presets
Physical condition is " inferior health (eyes can not see small article clearly) ", default schooling is " illiteracy ", and first got is used
The identity information at family is " 50 years old ", " inferior health (eyes can not see small article clearly) ", " graduating from junior middle school ", then it is assumed that the first user
Meet preset condition.
Optionally, each assistance account can correspond at least one withdrawal amount mark, according to the of withdrawal user selection
Assistance account corresponding with withdrawal amount mark on one display interface can determine the assistance account and withdrawal amount.Withdrawal amount
Mark can be used to uniquely indicate the mark of withdrawal amount for the corresponding specific amount of money of withdrawal amount, abbreviation of withdrawal amount etc.
Know.For example, assisting account is respectively A, B, C, it is respectively 100,200,300 that A, which can correspond to three withdrawal amount marks,；B can be with
Corresponding three withdrawal amounts mark is respectively 100,200,300；C can correspond to three withdrawal amounts mark be respectively 100,200,
300, the assistance account that withdrawal user selects for withdrawal amount identify 200 corresponding assistance account A, then it represents that withdrawal user thinks
By assisting the corresponding second user of account A to assist to withdraw the money 200 yuan.
In a kind of possible situation, the first user is unsatisfactory for preset condition, then shows the second display interface, the second display
Interface is self-help drawing money interface, it is to be understood that the first user can manually operate self-help drawing money interface (i.e. normal
The withdrawal operation that user is usually carried out in self-service withdrawal machine), normal self-help drawing money is realized, without assisting the assistance of user.
Optionally, in the case where determining the first user and being to need that the user to withdraw the money is assisted to show the first display interface,
It is the second display interface that first user, which also can choose the first display interface of switching, i.e. the first user also can choose self-help operation
Cash dispenser, not by assisting user to assist to withdraw the money.
S104 assists account corresponding in the case where getting the selection instruction for target assistance account to target
Second user terminal sends control request, and in the case where detecting that second user terminal receives control request, authorization second is used
The withdrawal of family terminal controls operation, and it is remote according to the generation of the touch control operation of second user that control request is used to indicate second user terminal
Journey operational order.
Here, it is the assistance account that the first user is determined by the selection operation on the first display interface that target, which assists account,
Number (i.e. target assist account be the first user selection assistance account), with the target assist account have binding relationship terminal
For second user terminal, optionally, an assistance account can bind multiple user terminals, user terminal can also with it is more
A assistance account is bound, and second user terminal is with target assistance account binding the and current user for carrying out assisting withdrawal operation
Terminal.
In the embodiment of the present invention, when get the first user selected target assist account when, then get for target
The selection instruction of account is assisted, then sends control request to second user terminal, is detecting that second user terminal receives control
In the case that system requests and receives control request, agree to that second user terminal controls operation to the withdrawal of cash dispenser.Here,
Two user terminals show that control request corresponds in the case where receiving control request in second user terminal display interface
Response, second user (assist user) can request corresponding response to carry out touch control operation (to remotely operate according to the control
Cash dispenser), second user terminal generates remote operation instruction according to the touch control operation of second user.
In a kind of possible situation, detecting that second user terminal do not receive control in default waiting time threshold value
In the case where request, cancels to second user terminal and send control request.Optionally, it can also show and assist account at least one
Number corresponding third display interface redefines target according to selection operation of first user on third display interface and assists account
Number.Here, the assistance account on third display interface do not include do not receive control request with bound in second user terminal
Assist account.Default waiting time threshold value can be any numbers such as 10s, 15s, 20s.
Account A is assisted, account B is assisted, assists account C, assists account D for example, being shown on the first display interface, is preset
Waiting time threshold value is 10s, and the first user has selected assistance account A, whole with the second user of assistance account A binding in 10s
End does not receive control request, then cancels to control request is sent with the second user terminal for assisting account A to bind, display third is aobvious
Show interface, the assistance account shown on third display interface can be to assist account B, assisting account C, assistance account D, and first uses
Family, which can reselect, assists account B, assists account C, assists an assistance account in account D to be that target assists account.
Optionally, the reserved account with bank corresponding to cash dispenser can also be preset, is detecting all assistance
In the case that the corresponding second user terminal of account does not receive control request in default waiting time threshold value, used according to withdrawing the money
Family is in the determining reserved account with bank corresponding to cash dispenser of selection operation on the 4th display interface, so that it is determined that target is assisted
Help account.Here, the 4th display interface is for showing the interface with the reserved account of bank corresponding to cash dispenser.
S105, obtains the remote operation instruction that second user terminal is sent, and completes operation of withdrawing the money according to remote operation instruction.
Here, remote operation instruction completes operation of withdrawing the money for controlling cash dispenser, and operation of withdrawing the money includes will be with withdrawal amount
Corresponding cash is put into the cash dispensing port position of cash dispenser, and opens the shielding window of cash dispensing port position.
In a kind of possible situation, after detecting that the first user completes withdrawal operation, withdrawal success response is sent extremely
Second user terminal, so that second user terminal shows withdrawal success response.Second user can be in the aobvious of second user terminal
Show that current first user is viewed on interface to withdraw the money successfully.Here, it can be that the first user will that the first user, which completes withdrawal operation,
Cash takes out from cash dispensing port.Detect current first user by cash from cash dispensing port taking-up after, generate withdrawal success response simultaneously
It is sent to second user terminal.Withdrawal success response can be display " the current withdrawal on the display interface of second user terminal
Success ", withdrawal success response may be the corresponding voice prompting of " currently withdrawing the money successfully " in second user terminal.
In a kind of possible situation, operates and have not been obtained within a preset time detecting that the first user completes to withdraw the money
In the case where the card taking instruction of first user, the first prompt response is generated, the first prompt response is for prompting the first user to take away
Current bank card；In the case where the card taking for getting the first user instructs, cancel the first prompt response of display.
Here, the card taking instruction of the first user is used to indicate the first user and does not take out bank card, and the first prompt response can be with
For the prompt tone of " ticking ", or pass through the voice prompting of voice broadcast " your bank card does not take out ".It can continue
Prompt stops prompting again after detecting that the first user takes out bank card.If the first prompt response is in cash dispenser display interface
The prompt response of upper display then cancels the first prompt response of display after detecting that the first user takes out bank card.
In the embodiment of the present invention, withdrawal or self-help drawing money can be assisted according to realizing the case where withdrawal user, assisted
In the case where withdrawal, withdrawal of the withdrawal user in self-service withdrawal machine is realized by the method for second terminal remote assistance, is improved
The safety that withdrawal user withdraws the money, and withdrawal user be not necessarily to by withdrawal window queuing wait and when cash dispenser remaining sum
User is reminded when too low, saves user time, is the pre-set account of withdrawal user, the assistance account due to assisting account
It is corresponding to assist user to have the user of trusting relationship with withdrawal user, the safety of withdrawal can be improved, pass through prompt and use
Take bank card away in family, it can be ensured that the safety of the information such as user identity.
In one possible implementation, it can also take pictures to the first user, and the photo is sent to second
User terminal, second user can judge whether current first user is legal withdrawal user according to the photo, so that it is determined that
Whether the bank card of the first user is lost or is stolen.It is another withdrawal side provided in an embodiment of the present invention referring to Fig. 3, Fig. 3
The flow diagram of method.As shown, this method comprises the following steps:
S201 obtains the identity information of the first user, the identity letter of the first user in the case where getting withdrawal request
Breath includes the first user's body situation and/or the first age of user.
S202 judges whether the first user meets preset condition according to the identity information of the first user, and preset condition includes
Whether the first age of user meets default age range and/or whether the first user's body situation meets default physical condition.
S203, in the case where the first user meets preset condition, display assists account corresponding first at least one
Display interface.
S204 assists account corresponding in the case where getting the selection instruction for target assistance account to target
Second user terminal sends control request, and in the case where detecting that second user terminal receives control request, authorization second is used
The withdrawal of family terminal controls operation, and it is remote according to the generation of the touch control operation of second user that control request is used to indicate second user terminal
Journey operational order.
Here, the specific implementation of step S201-S204 can refer to the step S101- in the corresponding embodiment of Fig. 2
The description of S104, details are not described herein again.
S205 takes pictures the first user to obtain the photo with the first user's face.
Here it is possible to be taken pictures by the camera above cash dispenser to the first user, can also be imaged by other
Device (the terminal device such as with cash dispenser with connection relationship) takes pictures to the first user.It can be to the face of the first user
Portion's all angles are taken pictures, with obtain it is clearer include the first user's face photo.
Photo with the first user's face is sent to second user terminal by S206.
S207 believes the position of current cash dispenser in the case where getting the early warning request of second user terminal transmission
Breath is sent to second user terminal.
Here, early warning request is used to indicate the location information that second user terminal request obtains current cash dispenser, here, position
Confidence breath can be specific to " city XX, the XX province area the XX road XX XX unit XX floor ".Optionally, current cash dispenser can also be numbered etc.
Information is sent to second user terminal.Here, when the second user of operation second user terminal finds that current first user is not
In the case where legal withdrawal user (bank card of such as legal first user is stolen or is lost), second user terminal is to taking
Money machine sends early warning request, and cash dispenser sends the information such as location information and the number of current cash dispenser according to early warning request extremely
Second user terminal determines the location information of current illegal first user convenient for second user and alarms.Here, it second uses
Family can do secondary judgement to the identity of withdrawal user, determine whether the bank card of current withdrawal user is legitimate user.Here,
Legitimate user refer to by legal means withdraw the money user, for example, legitimate user can be remittee, or with take
Money people has the user, such as spouse, the children of withdrawal user etc. of trusting relationship.Here, pass through the secondary judgement of second user
Can more accurately determine whether current remittee is legitimate user, can prevent due to detecting current withdrawal user and bank
The false alarm operation that card registration user is inconsistent and causes.
S208, obtains the remote operation instruction that second user terminal is sent, and completes operation of withdrawing the money according to remote operation instruction.
Here, the specific implementation of step S208 can refer to the description of the step S105 in the corresponding embodiment of Fig. 2, this
Place repeats no more.
In the embodiment of the present invention, by obtaining the photo of the face comprising current first user and being sent to second user end
End, second user can be judged by the photo shown in second user terminal withdrawal user whether be legal withdrawal user or
Person and legal withdrawal user have the withdrawal user of trusting relationship, so that it is determined that whether the bank card of withdrawal user is stolen or loses
It loses, in the case where determining that the bank card of the first user is stolen or loses, second user terminal sends early warning request, pre- according to this
Alert request sends the information such as current cash dispenser position to second user terminal, alarms convenient for second user, improves withdrawal
The safety of the information such as user identity and property.
In one possible implementation, voice broadcast can also be carried out to withdrawal information, is getting the first user
Voice data in the case where, the sound-type to match with the voice data type of the first user can be used to target voice
Data carry out voice broadcast, and target speech data is the particular content of voice broadcast, work as so that the first user be made to better understand
Preceding voice broadcast content, referring to fig. 4, Fig. 4 are the flow diagrams of another withdrawal method provided in an embodiment of the present invention.Such as figure
Shown, this method comprises the following steps:
S301 obtains the identity information of the first user, the identity letter of the first user in the case where getting withdrawal request
Breath includes the first user's body situation and/or the first age of user.
S302 judges whether the first user meets preset condition according to the identity information of the first user, and preset condition includes
Whether the first age of user meets default age range and/or whether the first user's body situation meets default physical condition.
S303, in the case where the first user meets preset condition, display assists account corresponding first at least one
Display interface.
S304 assists account corresponding in the case where getting the selection instruction for target assistance account to target
Second user terminal sends control request, and in the case where detecting that second user terminal receives control request, authorization second is used
The withdrawal of family terminal controls operation, and it is remote according to the generation of the touch control operation of second user that control request is used to indicate second user terminal
Journey operational order.
S305, obtains the remote operation instruction that second user terminal is sent, and completes operation of withdrawing the money according to remote operation instruction.
Here, the specific implementation of step S301-S305 can refer to the step S101- in the corresponding embodiment of Fig. 2
The description of S105, details are not described herein again.
S306 assists the corresponding assistance information of account to carry out voice broadcast target, and to the first prompt response and second
Prompt response carries out voice broadcast, and assistance information includes the information for assisting account and/or the withdrawal information at current withdrawal interface.
Here, voice is carried out by preset sound-type in the case where having not been obtained to the voice data of the first user to broadcast
Report, preset language form can be mandarin, Sichuan words, Cantonese etc..Assisting the information of account can assist to be current
The telephone number of account, position corresponding with the address name of telephone number binding, the number of assistance account and assistance account
Confidence breath etc..
S307, in the case where getting corresponding first voice data of the first user, according to the first voice data in language
Second speech data corresponding with the first voice data is matched in sound Type model, and determines the voice class of second speech data
Type.
Here, second speech data is the voice data in sound-type model, the second speech data being matched to and the
One voice data is the voice data that similarity is higher than default similarity threshold, default similarity threshold can for 70%, 80%,
Any numbers such as 95%.If the corresponding sound-type of the first voice data is Sichuan words, the corresponding voice class of second speech data
Type can be talked about for Sichuan or be higher than the Chongqing words of default similarity threshold with the similarities of Sichuan words or other and Sichuan are talked about
Similarity be higher than the sound-type of default similarity threshold.
Optionally, before using sound-type model, sound-type model, training voice class pattern can be trained in advance
When type, training sample voice data is labeled first, including the information such as voice data, sound-type are labeled.So
Initial model is trained using the sample voice data marked afterwards, is restrained to model and reaches certain precision and (refer to model
In loss function value be less than loss threshold value and precision is greater than precision threshold) when preservation model, which is exactly
Sound-type model.
S308 rings assistance information, the first prompt response and the second prompt according to the sound-type of second speech data
It should carry out voice broadcast.
In the embodiment of the present invention, rung by the withdrawal information of information, current withdrawal interface to assistance account, the first prompt
It answers and the second prompt response carries out voice broadcast, the first user can be made to understand the current withdrawal user information and current of assisting
Withdrawal content, in the case where detecting the voice data of the first user, according to opposite with the voice data type of the first user
The sound-type answered carries out voice broadcast, and the first user can be made to better understand current speech casting content, promote man-machine friendship
Mutual interest.
The method of inventive embodiments is described above, the device of inventive embodiments is described below.
It is a kind of composed structure schematic diagram of withdraw device provided in an embodiment of the present invention, the device 50 referring to Fig. 5, Fig. 5
Include:
Identity information acquisition module 501, for obtaining the body of first user in the case where getting withdrawal request
Part information, the identity information of first user include the first user's body situation and/or the first age of user；
Signal judgement module 502, for judging whether first user is full according to the identity information of first user
Sufficient preset condition, the preset condition include whether first age of user meets default age range and/or described first
Whether user's body situation meets default physical condition；
First interface display module 503, in the case where first user meets the preset condition, display with
At least one assists corresponding first display interface of account；
Control request sending module 504, for get for target assist account selection instruction in the case where, to
The target assists the corresponding second user terminal of account to send control request, is detecting that the second user terminal receives institute
In the case where stating control request, the withdrawal of the second user terminal is authorized to control operation, the control request is used to indicate institute
It states second user terminal and remote operation instruction is generated according to the touch control operation of the second user；
Remote operation instruction obtains module 505, the remote operation instruction sent for obtaining the second user terminal, root
Operation of withdrawing the money is completed according to the remote operation instruction.
In a kind of possible design, described device 50 further include:
Photo obtains module 506, has first user's face for being taken pictures to obtain to first user
Photo；
The photo obtains module 506, is also used to for the photo to be sent to the second user terminal；
The photo obtains module 506, is also used in the feelings for getting the early warning request that the second user terminal is sent
Under condition, the location information of current cash dispenser is sent to the second user terminal.
In a kind of possible design, described device 50 further include:
Cue module 507, for sending withdrawal success response extremely after detecting that first user completes withdrawal operation
The second user terminal, so that the second user terminal shows the withdrawal success response.
In a kind of possible design, the cue module 507 is also used to detecting the first user completion withdrawal
In the case that operation and the card taking that first user has not been obtained within a preset time instruct, the first prompt response, institute are generated
The first prompt response is stated for prompting first user to take current bank card away；
The cue module 507 is also used to cancel display in the case where the card taking for getting first user instructs
First prompt response.
In a kind of possible design, whether the cue module 507, the remaining sum for being also used to detect current cash dispenser is less than
Default amount threshold value；
The cue module 507 is also used to generate in the case where the remaining sum of the cash dispenser is less than default amount threshold value
Second prompt response, second prompt response are used to indicate the balance information of the cash dispenser.
In a kind of possible design, described device 50 further include:
Voice broadcast module 508, for assisting the corresponding assistance information of account to carry out voice broadcast the target, and it is right
First prompt response and second prompt response carry out voice broadcast, and the assistance information includes the assistance account
The withdrawal information at information and/or current withdrawal interface；
The voice broadcast module 508 is also used in the feelings for getting corresponding first voice data of first user
Under condition, the second voice number corresponding with the first voice data is matched in sound-type model according to first voice data
According to, and determine the sound-type of the second speech data；
The voice broadcast module 508 is also used to believe the assistance according to the sound-type of the second speech data
Breath, first prompt response and second prompt response carry out voice broadcast.
In a kind of possible design, the signal judgement module 502, specifically for being unsatisfactory for institute in first user
In the case where stating preset condition, show that the second display interface, second display interface are self-help drawing money interface.
It should be noted that unmentioned content can be found in the description of embodiment of the method in the corresponding embodiment of Fig. 5, here
It repeats no more.
In the embodiment of the present invention, may be implemented when the remaining sum of cash dispenser is too low remind user's current balance, avoid due to
Sorry, your ticket has not enough value leads to user's withdrawal failure, user time is saved, by prompting user to take bank card away, it can be ensured that Yong Hushen
Part etc. information safety, by by shooting to the photo of withdrawal user be sent to second user terminal, second user can
Whether the bank card to judge withdrawal user by the photo shown in second user terminal is stolen or loses, and is determining the first use
Second user terminal sends early warning request in the case that the bank card at family is stolen or loses, and is currently taken according to early warning request transmission
Money seat in the plane the information such as sets to second user terminal, alarms convenient for second user, improves the safety of the information such as user identity
Property, by assist the information of account, the withdrawal information at current withdrawal interface, the first prompt response and the second prompt response into
Row voice broadcast can make the first user understand currently content relevant to withdrawal, promote the interest of human-computer interaction.
It is the composed structure schematic diagram of another withdraw device provided in an embodiment of the present invention, the device referring to Fig. 6, Fig. 6
It can be above-mentioned server shown in FIG. 1 or server farm, which includes processor 601, memory 602 and communication
Interface 603.Processor 601 is connected to memory 602 and communication interface 603, such as processor 601 can be connected to by bus
Memory 602 and communication interface 603.
Processor 601 is configured as that the withdraw device is supported to execute corresponding function in withdrawal method described in Fig. 2-Fig. 4
Energy.The processor 601 can be central processing unit (central processing unit, CPU), network processing unit
(network processor, NP), hardware chip or any combination thereof.Above-mentioned hardware chip can be specific integrated circuit
(application specific integrated circuit, ASIC), programmable logic device (programmable
Logic device, PLD) or combinations thereof.Above-mentioned PLD can be Complex Programmable Logic Devices (complex
Programmable logic device, CPLD), field programmable gate array (field-programmable gate
Array, FPGA), Universal Array Logic (generic array logic, GAL) or any combination thereof.
602 memory of memory is for storing program code etc..Memory 602 may include volatile memory
(volatile memory, VM), such as random access memory (random access memory, RAM)；Memory 602
It may include nonvolatile memory (non-volatile memory, NVM), such as read-only memory (read-only
Memory, ROM), flash memory (flash memory), hard disk (hard disk drive, HDD) or solid state hard disk
(solid-state drive, SSD)；Memory 602 can also include the combination of the memory of mentioned kind.The present invention is implemented
In example, which can be above-mentioned server shown in FIG. 1 or server farm.
The communication interface 603 is for sending or receiving data.
Processor 601 can call said program code to execute following operation:
In the case where getting withdrawal request, the identity information of first user, the body of first user are obtained
Part information includes the first user's body situation and/or the first age of user；
Judge whether first user meets preset condition, the default item according to the identity information of first user
Part include first age of user whether meet default age range and/or the first user's body situation whether meet it is pre-
If physical condition；
In the case where first user meets the preset condition, display and at least one assistance account corresponding the
One display interface；
Get assist the selection instruction of account for target in the case where, Xiang Suoshu target assists account corresponding the
Two user terminals send control request, in the case where detecting that the second user terminal receives control request, authorization
The withdrawal of the second user terminal controls operation, and the control requests to be used to indicate the second user terminal according to described the
The touch control operation of two users generates remote operation instruction；
The remote operation instruction that the second user terminal is sent is obtained, the behaviour that withdraws the money is completed according to the remote operation instruction
Make.
It should be noted that the realization of each operation can also be to the phase that should refer to Fig. 2-embodiment of the method shown in Fig. 4
It should describe；The processor 601 can also cooperate other operations executed in above method embodiment with communication interface 603.
The embodiment of the present invention also provides a kind of computer storage medium, and the computer storage medium is stored with computer journey
Sequence, the computer program include program instruction, and described program instruction executes the computer such as
Method described in previous embodiment, the computer can be a part of withdraw device mentioned above.It is for example, above-mentioned
Processor 601.
Those of ordinary skill in the art will appreciate that realizing all or part of the process in above-described embodiment method, being can be with
Relevant hardware is instructed to complete by computer program, the program can be stored in a computer-readable storage medium
In, the program is when being executed, it may include such as the process of the embodiment of above-mentioned each method.Wherein, the storage medium can be magnetic
Dish, CD, ROM or RAM etc..
The above disclosure is only the preferred embodiments of the present invention, cannot limit the right model of the present invention with this certainly
It encloses, therefore equivalent changes made in accordance with the claims of the present invention, is still within the scope of the present invention.
Claims (10)
1. a kind of withdrawal method, which is characterized in that be applied to cash dispenser, which comprises
In the case where getting withdrawal request, the identity information of first user, the identity letter of first user are obtained
Breath includes the first user's body situation and/or the first age of user；
Judge whether first user meets preset condition, the preset condition packet according to the identity information of first user
Include whether first age of user meets default age range and/or whether the first user's body situation meets default body
Body situation；
In the case where first user meets the preset condition, display assists account corresponding first to show at least one
Show interface；
In the case where getting the selection instruction for target assistance account, Xiang Suoshu target assists account corresponding second to use
Family terminal sends control request, in the case where detecting that the second user terminal receives control request, described in authorization
The withdrawal of second user terminal controls operation, and the control request is used to indicate the second user terminal and uses according to described second
The touch control operation at family generates remote operation instruction；
The remote operation instruction that the second user terminal is sent is obtained, operation of withdrawing the money is completed according to the remote operation instruction.
2. the method according to claim 1, wherein described detecting described in the second user terminal receiving
In the case where control request, after authorizing the withdrawal of the second user terminal to control operation, further includes:
First user is taken pictures to obtain the photo with first user's face；
The photo is sent to the second user terminal；
In the case where getting the early warning request that the second user terminal is sent, the location information of current cash dispenser is sent
To the second user terminal.
3. the method according to claim 1, wherein the long-range behaviour for obtaining the second user terminal and sending
It instructs, is withdrawn the money after operating according to remote operation instruction completion, further includes:
After detecting that first user completes withdrawal operation, transmission withdrawal success response to the second user terminal, with
The second user terminal is set to show the withdrawal success response.
4. the method according to claim 1, wherein the long-range behaviour for obtaining the second user terminal and sending
It instructs, is withdrawn the money after operating according to remote operation instruction completion, further includes:
Operation and the card taking of first user is had not been obtained within a preset time detecting that first user completes to withdraw the money
In the case where instruction, the first prompt response is generated, first prompt response is for prompting first user to take current silver away
Row card；
In the case where the card taking for getting first user instructs, cancels and show first prompt response.
5. the method according to claim 1, wherein described in the case where getting withdrawal request, acquisition institute
After the identity information for stating the first user, further includes:
Whether the remaining sum for detecting current cash dispenser is less than default amount threshold value；
In the case where the remaining sum of the cash dispenser is less than default amount threshold value, the second prompt response, second prompt are generated
Response is used to indicate the balance information of the cash dispenser.
6. method described in -5 according to claim 1, which is characterized in that the method also includes:
The corresponding assistance information of account is assisted to carry out voice broadcast the target, and to first prompt response and described the
Two prompt responses carry out voice broadcast, and the assistance information includes the information for assisting account and/or current withdrawal interface
Withdrawal information；
In the case where getting corresponding first voice data of first user, according to first voice data in voice
Second speech data corresponding with the first voice data is matched in Type model, and determines the voice class of the second speech data
Type；
According to the sound-type of the second speech data to the assistance information, first prompt response and described second
Prompt response carries out voice broadcast.
7. the method according to claim 1, wherein the identity information according to first user judges institute
State whether the first user meets preset condition, comprising:
In the case where first user is unsatisfactory for the preset condition, the second display interface, second display circle are shown
Face is self-help drawing money interface.
8. a kind of withdraw device, which is characterized in that be applied to cash dispenser, described device includes:
Identity information acquisition module, for obtaining the identity information of first user in the case where getting withdrawal request,
The identity information of first user includes the first user's body situation and/or the first age of user；
Signal judgement module, for judging whether first user meets default item according to the identity information of first user
Part, the preset condition include whether first age of user meets default age range and/or first user's body
Whether situation meets default physical condition；
First interface display module, for showing and at least one in the case where first user meets the preset condition
Corresponding first display interface of a assistance account；
Control request sending module, for get for target assist account selection instruction in the case where, Xiang Suoshu mesh
It marks and the corresponding second user terminal of account is assisted to send control request, detecting the second user terminal receiving control
In the case where request, the withdrawal of the second user terminal is authorized to control operation, the control request is used to indicate described second
User terminal generates remote operation instruction according to the touch control operation of the second user；
Remote operation instruction obtains module, the remote operation instruction sent for obtaining the second user terminal, according to described
Remote operation instruction completes operation of withdrawing the money.
9. a kind of withdraw device, including processor, memory and communication interface, the processor, memory and communication interface
It is connected with each other, wherein for the communication interface for receiving or sending data, the memory is described for storing program code
Processor executes the method according to claim 1 to 7 for calling said program code.
10. a kind of computer storage medium, which is characterized in that the computer storage medium is stored with computer program, described
Computer program includes program instruction, and described program instruction makes the processor execute such as claim when being executed by a processor
The described in any item methods of 1-7.
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| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201910432052.9A CN110148268A (en) | 2019-05-23 | 2019-05-23 | Withdrawal method and apparatus |
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| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201910432052.9A CN110148268A (en) | 2019-05-23 | 2019-05-23 | Withdrawal method and apparatus |
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| CN110148268A true CN110148268A (en) | 2019-08-20 |
Family
ID=67592887
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| Application Number | Title | Priority Date | Filing Date |
|---|---|---|---|
| CN201910432052.9A Pending CN110148268A (en) | 2019-05-23 | 2019-05-23 | Withdrawal method and apparatus |
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Cited By (8)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN111752462A (en) * | 2020-06-24 | 2020-10-09 | 捷普电子(新加坡)公司 | Target equipment control method, device and system, mobile terminal and storage medium |
| CN111915818A (en) * | 2020-08-12 | 2020-11-10 | 中国银行股份有限公司 | Withdrawal method and ATM |
| CN112446020A (en) * | 2020-12-07 | 2021-03-05 | 北京小米松果电子有限公司 | Authentication method, authentication device and storage medium |
| CN113259871A (en) * | 2021-05-18 | 2021-08-13 | 中国银行股份有限公司 | Old people ATM (automatic teller machine) withdrawing method and device based on 5G (third generation) message |
| CN113259869A (en) * | 2021-05-18 | 2021-08-13 | 中国银行股份有限公司 | Old people bank branch counter business handling method and device based on 5G message |
| CN113379975A (en) * | 2021-06-09 | 2021-09-10 | 中国银行股份有限公司 | ATM (automatic teller machine) interaction method and related equipment |
| CN113409524A (en) * | 2021-06-16 | 2021-09-17 | 中国银行股份有限公司 | ATM business processing method and device based on mobile banking |
| CN115994577A (en) * | 2023-03-22 | 2023-04-21 | 北京企元界科技有限公司 | Knowledge graph-based data processing method and system |
-
2019
- 2019-05-23 CN CN201910432052.9A patent/CN110148268A/en active Pending
Cited By (10)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN111752462A (en) * | 2020-06-24 | 2020-10-09 | 捷普电子(新加坡)公司 | Target equipment control method, device and system, mobile terminal and storage medium |
| CN111915818A (en) * | 2020-08-12 | 2020-11-10 | 中国银行股份有限公司 | Withdrawal method and ATM |
| CN112446020A (en) * | 2020-12-07 | 2021-03-05 | 北京小米松果电子有限公司 | Authentication method, authentication device and storage medium |
| CN113259871A (en) * | 2021-05-18 | 2021-08-13 | 中国银行股份有限公司 | Old people ATM (automatic teller machine) withdrawing method and device based on 5G (third generation) message |
| CN113259869A (en) * | 2021-05-18 | 2021-08-13 | 中国银行股份有限公司 | Old people bank branch counter business handling method and device based on 5G message |
| CN113259869B (en) * | 2021-05-18 | 2022-08-19 | 中国银行股份有限公司 | Old people bank branch counter business handling method and device based on 5G message |
| CN113379975A (en) * | 2021-06-09 | 2021-09-10 | 中国银行股份有限公司 | ATM (automatic teller machine) interaction method and related equipment |
| CN113409524A (en) * | 2021-06-16 | 2021-09-17 | 中国银行股份有限公司 | ATM business processing method and device based on mobile banking |
| CN115994577A (en) * | 2023-03-22 | 2023-04-21 | 北京企元界科技有限公司 | Knowledge graph-based data processing method and system |
| CN115994577B (en) * | 2023-03-22 | 2024-02-06 | 北京企元界科技有限公司 | Knowledge graph-based data processing method and system |
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