CN111583549B - Medium-free withdrawal transaction method and device, computer equipment and readable storage medium - Google Patents
Medium-free withdrawal transaction method and device, computer equipment and readable storage medium Download PDFInfo
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- CN111583549B CN111583549B CN202010342531.4A CN202010342531A CN111583549B CN 111583549 B CN111583549 B CN 111583549B CN 202010342531 A CN202010342531 A CN 202010342531A CN 111583549 B CN111583549 B CN 111583549B
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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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- 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
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- 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]
- G07F19/209—Monitoring, auditing or diagnose of functioning of ATMs
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- G07F—COIN-FREED OR LIKE APPARATUS
- G07F7/00—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus
- G07F7/08—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus by coded identity card or credit card or other personal identification means
- G07F7/10—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus by coded identity card or credit card or other personal identification means together with a coded signal, e.g. in the form of personal identification information, like personal identification number [PIN] or biometric data
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Abstract
The embodiment of the invention provides a media-free withdrawal transaction method, a media-free withdrawal transaction device, computer equipment and a readable storage medium, wherein the method comprises the following steps: receiving a transaction request for media-free withdrawal sent by a client mobile terminal, wherein the transaction request comprises transaction related information; the transaction account of the transaction request belongs to the transaction mechanism, and generates a withdrawal certificate and sends the withdrawal certificate to the client mobile terminal after the transaction related information is approved; receiving a request for verifying the withdrawal certificate sent by a cash terminal, verifying the withdrawal certificate and sending a verification result to the cash terminal, sending an indication whether to allow a withdrawal transaction to the cash terminal according to the verification result, uploading transaction data including the verification result to a block chain, wherein the cash terminal belongs to a local transaction mechanism or the cash terminal does not belong to the local transaction mechanism. The scheme can realize cross-organization medium-free withdrawal transaction so as to avoid limiting the transaction behavior of the customer and improve the convenience of the customer in transaction.
Description
Technical Field
The invention relates to the technical field of transactions, in particular to a media-free withdrawal transaction method, a media-free withdrawal transaction device, computer equipment and a readable storage medium.
Background
At present, banks do not support cross-organization media-free withdrawal transactions, but only support media-free transactions of the own organization, for example, a customer a only has an account of a bank a, and the customer a can only use a cash terminal (such as an ATM) of the bank a to carry out card-free withdrawal, but cannot use a cash terminal (such as an ATM) of a bank b to carry out card-free withdrawal. This limits the transaction behavior of the client and makes it inconvenient for the client to conduct the transaction.
Disclosure of Invention
The embodiment of the invention provides a medium-free withdrawal transaction method, which aims to solve the technical problem that cross-institution medium-free withdrawal transactions are not supported in the prior art. The method comprises the following steps:
receiving a transaction request for media-free withdrawal sent by a client mobile terminal, wherein the transaction request comprises transaction related information;
the transaction account of the transaction request belongs to the transaction institution, and generates a withdrawal certificate and sends the withdrawal certificate to the client mobile terminal after the transaction related information is approved;
receiving a request for verifying the withdrawal certificate sent by a cash terminal, verifying the withdrawal certificate and sending a verification result to the cash terminal, sending an indication whether to allow a withdrawal transaction to the cash terminal according to the verification result, and uploading transaction data including the verification result to a block chain, wherein the cash terminal belongs to a local transaction mechanism or the cash terminal does not belong to the local transaction mechanism.
The embodiment of the invention also provides a medium-free withdrawal transaction method, which aims to solve the technical problem that the medium-free withdrawal transaction of the cross-institution is not supported in the prior art. The method comprises the following steps:
receiving an input withdrawal certificate, judging whether the withdrawal certificate belongs to a transaction mechanism, if so, sending a request for verifying the withdrawal certificate to a server of the transaction mechanism, and if not, sending a request for verifying the withdrawal certificate to the transaction mechanism to which the withdrawal certificate belongs, wherein the withdrawal certificate is generated after transaction related information of the transaction mechanism passes audit;
receiving a verification result responding to the request for verifying the withdrawal certificate, receiving an indication of whether the withdrawal transaction is allowed, and carrying out the withdrawal transaction when the withdrawal transaction is allowed, wherein the indication of whether the withdrawal transaction is allowed is sent by a transaction mechanism to which the withdrawal certificate belongs according to the verification result, and the transaction mechanism to which the withdrawal certificate belongs uploads transaction data including the verification result to a block chain.
The embodiment of the invention also provides a medium-free withdrawal transaction device, which is used for solving the technical problem that the medium-free withdrawal transaction of the cross-institution is not supported in the prior art. The device includes:
the system comprises a transaction request receiving module, a transaction request receiving module and a transaction processing module, wherein the transaction request receiving module is used for receiving a transaction request for withdrawing money without a medium, which is sent by a client mobile terminal, and the transaction request comprises transaction related information;
the voucher generation module is used for generating a withdrawal voucher and sending the withdrawal voucher to the client mobile terminal after the transaction account of the transaction request belongs to the transaction mechanism and the transaction related information is approved;
the transaction instruction module is used for receiving a request for verifying the withdrawal certificate sent by a cash terminal, verifying the withdrawal certificate and sending a verification result to the cash terminal, sending an instruction whether to allow a withdrawal transaction to the cash terminal according to the verification result, and uploading transaction data including the verification result to a block chain, wherein the cash terminal belongs to a transaction mechanism or the cash terminal does not belong to the transaction mechanism.
The embodiment of the invention also provides a medium-free withdrawal transaction device, which is used for solving the technical problem that the medium-free withdrawal transaction of the cross-institution is not supported in the prior art. The device includes:
the certificate receiving module is used for receiving an input withdrawal certificate and judging whether the withdrawal certificate belongs to the transaction mechanism, if so, sending a request for verifying the withdrawal certificate to a server of the transaction mechanism, and if not, sending a request for verifying the withdrawal certificate to the transaction mechanism to which the withdrawal certificate belongs, wherein the withdrawal certificate is generated after transaction related information of the transaction mechanism passes audit;
a transaction instruction receiving module, configured to receive an authentication result in response to a request for authenticating the withdrawal certificate, and receive an instruction whether to allow a withdrawal transaction, where the instruction whether to allow the withdrawal transaction is sent by a transaction mechanism to which the withdrawal certificate belongs according to the authentication result, and the transaction mechanism to which the withdrawal certificate belongs uploads transaction data including the authentication result to a block chain;
and the transaction module is used for carrying out the withdrawal transaction when the withdrawal transaction is indicated to be allowed.
The embodiment of the invention also provides computer equipment which comprises a memory, a processor and a computer program which is stored on the memory and can be run on the processor, wherein the processor realizes the random non-medium withdrawal transaction method when executing the computer program so as to solve the technical problem that cross-institution non-medium withdrawal transactions are not supported in the prior art.
An embodiment of the present invention further provides a computer-readable storage medium, where a computer program for executing any of the above media-less withdrawal transaction methods is stored in the computer-readable storage medium, so as to solve the technical problem that cross-institution media-less withdrawal transactions are not supported in the prior art.
In the embodiment of the invention, a transaction request of media-free withdrawal sent by a client mobile terminal is received, and then a withdrawal certificate is generated and sent to the client mobile terminal after a transaction account number of the transaction request belongs to a transaction mechanism and transaction related information is approved, namely, the transaction mechanism generates a withdrawal certificate for the transaction account number belonging to the transaction mechanism, the transaction account number is allowed to carry out media-free withdrawal transaction through the withdrawal certificate, in the process of media-free withdrawal transaction, a client can input the withdrawal certificate into a cash terminal of the transaction mechanism and can also input cash terminals of other transaction mechanisms, then a request for verifying the withdrawal certificate sent by the cash terminal is received, when the request for verifying the withdrawal certificate is received from the cash terminal of the transaction mechanism, namely, the transaction account number withdraws media-free withdrawal transaction at the transaction mechanism through the certificate, and when the request for verifying the withdrawal certificate is received from the cash terminals of other transaction mechanisms, the cross-institution medium-free withdrawal transaction is carried out on the transaction account number through the withdrawal voucher at other transaction institutions, at the moment, the withdrawal voucher is verified and a verification result is sent to the cash terminal, and an indication of whether the withdrawal transaction is allowed or not is sent to the cash terminal according to the verification result, so that the cross-institution medium-free withdrawal transaction can be carried out at the transaction institution through the withdrawal voucher, and the cross-institution medium-free withdrawal transaction can also be carried out at other transaction institutions through the withdrawal voucher, so that the limitation of the transaction behavior of a client is avoided, and the transaction convenience of the client is improved; meanwhile, the transaction data comprising the verification result is uploaded to the blockchain, so that whether the media-free withdrawal transaction is carried out at the transaction mechanism through the withdrawal certificate or the cross-mechanism media-free withdrawal transaction is carried out at other transaction mechanisms through the withdrawal certificate, the traceability of the transaction process is realized according to the transaction data on the blockchain, the counterfeit property of the transaction is avoided or reduced, and the centralized maintenance of the data is facilitated.
Drawings
The accompanying drawings, which are included to provide a further understanding of the invention and are incorporated in and constitute a part of this application, illustrate embodiment(s) of the invention and together with the description serve to explain the principles of the invention. In the drawings:
fig. 1 is a flow chart of a media-less withdrawal transaction method according to an embodiment of the present invention;
FIG. 2 is a flow chart of another media-less withdrawal transaction method provided by an embodiment of the invention;
FIG. 3 is a block diagram of a computer device according to an embodiment of the present invention;
fig. 4 is a block diagram of a media-less withdrawal transaction apparatus according to an embodiment of the present invention;
fig. 5 is a block diagram of another media-less withdrawal transaction apparatus according to an embodiment of the present invention.
Detailed Description
In order to make the objects, technical solutions and advantages of the present invention more apparent, the present invention will be described in further detail with reference to the following embodiments and accompanying drawings. The exemplary embodiments and descriptions of the present invention are provided to explain the present invention, but not to limit the present invention.
In an embodiment of the present invention, there is provided a media-less withdrawal transaction method, as shown in fig. 1, the method including:
step 102: receiving a transaction request for media-free withdrawal sent by a client mobile terminal, wherein the transaction request comprises transaction related information;
step 104: the transaction account of the transaction request belongs to the transaction institution, and generates a withdrawal certificate and sends the withdrawal certificate to the client mobile terminal after the transaction related information is approved;
step 106: receiving a request for verifying the withdrawal certificate sent by a cash terminal, verifying the withdrawal certificate and sending a verification result to the cash terminal, sending an indication whether to allow a withdrawal transaction to the cash terminal according to the verification result, and uploading transaction data including the verification result to a block chain, wherein the cash terminal belongs to a local transaction mechanism or the cash terminal does not belong to the local transaction mechanism.
As can be seen from the flow shown in fig. 1, in the embodiment of the present invention, a media-free withdrawal transaction request sent by a client mobile terminal is received, and then a withdrawal voucher is generated and sent to the client mobile terminal after a transaction account of the transaction request belongs to a local transaction organization and transaction related information is approved, that is, a withdrawal voucher is generated for the transaction account belonging to the local transaction organization by the transaction organization, the transaction account is allowed to perform media-free withdrawal transaction through the withdrawal voucher, during the media-free withdrawal transaction, a client can input the withdrawal voucher into a cash terminal of the local transaction organization or into cash terminals of other transaction organizations, and then receives a request for verifying the withdrawal voucher sent by the cash terminal, and when the request for verifying the withdrawal voucher is received from the cash terminal of the local transaction organization, that is, the transaction account performs media-free withdrawal transaction at the local transaction organization through the withdrawal voucher, when a request for verifying the withdrawal certificate is received from a cash terminal of other transaction institutions, namely a transaction account number performs cross-institution medium-free withdrawal transaction in other transaction institutions through the withdrawal certificate, at the moment, the withdrawal certificate is verified and a verification result is sent to the cash terminal, and an indication of whether the withdrawal transaction is allowed is sent to the cash terminal according to the verification result, so that the medium-free withdrawal transaction can be performed in the transaction institution through the withdrawal certificate, and the cross-institution medium-free withdrawal transaction can be performed in other transaction institutions through the withdrawal certificate, so that the limitation of transaction behaviors of customers is avoided, and the convenience of the customers in performing the transaction is improved; meanwhile, the transaction data comprising the verification result is uploaded to the blockchain, so that whether the media-free withdrawal transaction is carried out at the transaction mechanism through the withdrawal certificate or the cross-mechanism media-free withdrawal transaction is carried out at other transaction mechanisms through the withdrawal certificate, the traceability of the transaction process is realized according to the transaction data on the blockchain, the counterfeit property of the transaction is avoided or reduced, and the centralized maintenance of the data is facilitated.
In specific implementation, the media-free withdrawal transaction method can be operated on a background or a server of a transaction institution to which the transaction account belongs.
When the media-free withdrawal is required by a client, a transaction request can be sent to a transaction mechanism to which a transaction account belongs through a mobile terminal of the client such as a mobile phone, a PAD, a computer and the like, and the withdrawal is reserved.
In specific implementation, after a transaction request for withdrawing money without a medium sent by a client mobile terminal is received, whether a transaction account of the transaction request belongs to the transaction mechanism can be judged, and if not, information such as transaction failure or transaction failure is fed back to the client mobile terminal; and if so, verifying the transaction related information, and generating a withdrawal certificate and sending the withdrawal certificate to the client mobile terminal after the verification is passed.
In a specific implementation, the verifying of the transaction related information may include verifying whether the account balance of the transaction account number supports the customer to perform the withdrawal transaction, for example, checking whether the withdrawal amount and the commission charge are less than or equal to the account balance, if so, the account balance supports the customer to perform the withdrawal transaction; whether the identity information is filled correctly or is consistent with the pre-stored identity information can be checked, for example, the account balance supports the customer to perform the withdrawal transaction, and if the identity information is correct (or consistent with the pre-stored identity information), the check is passed.
In a specific implementation, the withdrawal certificate may be in any form of information that can prove that the transaction request passes, for example, the withdrawal certificate may be in the form of a barcode, a two-dimensional code, a message, and the like, and the withdrawal certificate may include a transaction account number and/or a transaction number for reserving withdrawal, and may further include one or more information of a reservation time, a channel, a withdrawal time, a withdrawal place, and a customer contact manner.
In specific implementation, after receiving a withdrawal certificate, a mobile client end can use the withdrawal certificate to withdraw money from a cash terminal, at the moment, a client can use the withdrawal certificate to withdraw money from the cash terminal belonging to the transaction institution or cash terminals belonging to other transaction institutions, after inputting the withdrawal certificate into the cash terminal, the cash terminal judges whether a transaction account number of the withdrawal certificate belongs to the transaction institution, if so, the client inputs the withdrawal certificate into the cash terminal of the transaction institution, the medium-free withdrawal transaction in the transaction institution is carried out, and the cash terminal sends a request for verifying the withdrawal certificate to a background or a server of the transaction institution, namely, the background or the server of the transaction institution receives the request for verifying the withdrawal certificate from the cash terminal of the transaction institution; if not, the customer inputs the withdrawal certificate to the cash terminal of other transaction institutions, the cross-institution non-medium withdrawal transaction is carried out, the cash terminal sends a request for verifying the withdrawal certificate to the background or the server of the transaction institution to which the transaction account belongs, namely, the request for verifying the withdrawal certificate received by the background or the server of the transaction institution comes from the cash terminal of other transaction institution, in a word, no matter the cash terminal of the transaction institution or the cash terminal of other transaction institution receives the withdrawal certificate, the request for verifying the withdrawal certificate is sent to the background or the server of the transaction institution to which the transaction account belongs, and then the background or the server of the transaction institution verifies the authenticity of the withdrawal certificate.
For example, if a customer a has an account number in a transaction organization a, and the customer a needs to withdraw money without a card, the customer a may send a transaction request for withdrawing money without a medium to a background or a server of the transaction organization a through a mobile phone app, reserve a transaction for withdrawing money without a medium, and fill in transaction related information, such as a withdrawal amount, withdrawal customer identity information, and the like, after the transaction related information is checked by the background or the server of the transaction organization a, a withdrawal certificate is generated and sent to the mobile phone, the customer a may use the withdrawal certificate received by the mobile phone to perform a withdrawal operation, when the customer a selects to withdraw money across organizations, and inputs the withdrawal certificate to a cash terminal of a transaction organization b, the cash terminal of the transaction organization b determines that the transaction account number does not belong to the transaction organization b but belongs to the transaction organization a, then sends a request for verifying the withdrawal certificate to the background or the server of the transaction organization a, and receives a verification result (pass or fail) returned by the background or the server of the transaction organization a, and receiving an indication whether the transaction mechanism a background or the server allows the withdrawal transaction and executing the indication.
In specific implementation, after the transaction data including the verification result is uploaded to the block chain, the transaction process is not counterfeitable and traceable, and centralized data maintenance is facilitated. In particular, for example, on a blockchain, a consensus algorithm may be used to calculate the workload based on the amount of the media-free withdrawal or the amount of the transaction for each exchange.
In specific implementation, in order to further improve the security of the transaction, in this embodiment, biometric identification is further used in the withdrawal transaction process, for example, an instruction of whether to allow the withdrawal transaction is sent to the cash terminal according to the verification result includes:
under the condition that the verification result is passed, judging whether biological feature identification is carried out or not according to the magnitude relation between the amount of the withdrawal transaction of the withdrawal certificate and a preset threshold value, and uploading the judgment result (carrying out biological feature identification or not) to a block chain;
when the judgment result is that the biological feature recognition is carried out, sending an instruction for carrying out the biological feature recognition to the cash terminal;
and receiving the biological characteristics of the customer identified and sent by the cash terminal, and sending an instruction for allowing the withdrawal transaction to the cash terminal when the received biological characteristics are matched with the pre-stored biological characteristics.
In specific implementation, if the verification result is failure and/or the received biological characteristics are not matched with the pre-stored biological characteristics, an indication that the withdrawal transaction is not allowed is sent to the cash terminal.
In specific implementation, the cash terminal can execute the withdrawal transaction after receiving the instruction of allowing the withdrawal transaction, and provides cash for the customer according to the reserved amount and the currency type in the transaction request, if the currency type is not satisfied, the currency type which can be provided by the customer can be prompted, and under the condition that the customer agrees to change the currency type, the maximum available amount which is less than or equal to the reserved amount is provided. And after the withdrawal is successful, returning the transaction of successful withdrawal to the transaction institution to which the transaction account belongs.
In specific implementation, when the amount of the withdrawal transaction of the withdrawal certificate is greater than a preset threshold, the biological feature recognition is performed according to the judgment result, and when the amount of the withdrawal transaction of the withdrawal certificate is less than the preset threshold, the biological feature recognition is not performed according to the judgment result.
In specific implementation, the value of the preset threshold may be determined according to a specific security requirement, and the mode of determining the value of the preset threshold is not specifically limited in the present application, for example, the value may be determined according to historical data, data in the historical data, in which the amount of money in the money payment transaction is greater than the preset threshold, is determined as risk data, and the value of the preset threshold is such that the proportion of the risk data in the historical data is less than 1%, that is, the preset threshold may be used for subsequent withdrawal processing.
In specific implementation, the biological features may be features of a human face, a fingerprint, an iris, and the like.
In specific implementation, in addition to determining whether to allow the transaction based on the biometric identification to improve the transaction security, or further facilitating the withdrawal of the customer based on the use of the biometric identification, in this embodiment, one person may also reserve multiple persons for withdrawal or replace the withdrawal, for example, the media-less withdrawal transaction method further includes:
judging whether biological feature identification is needed or not according to the relation between the amount of the withdrawal transaction of the withdrawal certificate and a preset threshold value, and uploading a judgment result to a block chain;
and when the judgment result is that the biological characteristic identification is carried out, sending an instruction for carrying out the biological characteristic identification and storing to the cash terminal.
In specific implementation, whether biological feature identification is needed or not is judged according to the size relation between the amount of withdrawal transaction of a withdrawal certificate and a preset threshold, for example, when the amount of withdrawal transaction of the withdrawal certificate is larger than the preset threshold, the judgment result is that biological feature identification is carried out and stored, when the amount of withdrawal transaction of the withdrawal certificate is smaller than the preset threshold, the judgment result is that biological feature identification is not carried out and stored, and when the amount of withdrawal transaction is larger than the preset threshold, an instruction for carrying out biological feature identification and storage is sent to the cash terminal, so that the cash terminal identifies and stores the biological feature of a withdrawal customer, for example, after one person reserves withdrawal to obtain the withdrawal certificate, the person is inconvenient to withdraw money, other persons can use the withdrawal certificate to operate withdrawal money instead of the withdrawal certificate, and thus actual withdrawal persons can be tracked through the stored biological feature, one person can reserve and withdraw money for a plurality of persons; in addition, even if the withdrawal certificate is leaked, the stolen person can be traced through the stored biological characteristics when the withdrawal certificate is stolen.
In particular implementation, the instruction for performing biometric identification and storage may be sent to the cash terminal before sending the verification result, so that the cash terminal performs biometric identification and storage before executing the transaction; the authentication result may also be sent to the cash terminal at the same time as the authentication result is sent so that the cash terminal performs biometric identification and storage during the execution of the transaction.
In specific implementation, after the cash terminal executes the withdrawal transaction, if the cash terminal executing the withdrawal transaction belongs to the transaction institution, the medium-free withdrawal transaction is performed in the transaction institution, and if the cash terminal executing the withdrawal transaction does not belong to the transaction institution and belongs to other transaction institutions, the medium-free withdrawal transaction is performed across the transaction institutions, and at this time, after the cash terminal executes the withdrawal transaction, the medium-free withdrawal transaction method further includes:
and after receiving the transaction success information fed back by the cash terminal, carrying out reconciliation processing with a transaction mechanism to which the cash terminal belongs according to the uploaded transaction data of the block chain.
In particular, when a media-less withdrawal transaction is performed across transaction institutions, after the transaction is successful, a reconciliation process of accounting is required between the transaction institution a and the other transaction institution b (therefore, the customer takes money from the transaction institution a, but actually takes cash from the other transaction institution b). Specifically, when the accounting inconsistency occurs between the transaction institution a and the other transaction institution b, the determination may be made by using the transaction data stored in the blockchain. To avoid the following problems that often occur in practice: for example, in the case of not making face recognition, the transaction institution a directly and successfully deducts money, but the cash terminals of other transaction institutions b do not provide money to the customers because of machine failure; in the case of face recognition, the cash terminals of the other transaction institutions b provide money to the customers, but the transaction institution a does not receive a transaction prompt of successful withdrawal because of problems such as network failure.
In an implementation, the cash terminal may be any type of terminal for withdrawing cash, for example, an ATM machine.
In a specific implementation, the transaction mechanism may be any transaction mechanism that provides a withdrawal service, for example, a bank, or other financial mechanism.
In specific implementation, in this embodiment, a media-less cash withdrawal transaction method is further provided, where the media-less cash withdrawal transaction method may be executed on a cash terminal, for example, as shown in fig. 2, the media-less cash withdrawal transaction method includes:
step 202: receiving an input withdrawal certificate, judging whether the withdrawal certificate belongs to a transaction mechanism, if so, sending a request for verifying the withdrawal certificate to a server of the transaction mechanism, and if not, sending a request for verifying the withdrawal certificate to the transaction mechanism to which the withdrawal certificate belongs, wherein the withdrawal certificate is generated after transaction related information of the transaction mechanism passes audit;
step 204: receiving a verification result responding to the request for verifying the withdrawal certificate, receiving an indication of whether the withdrawal transaction is allowed, and carrying out the withdrawal transaction when the withdrawal transaction is allowed, wherein the indication of whether the withdrawal transaction is allowed is sent by a transaction mechanism to which the withdrawal certificate belongs according to the verification result, and the transaction mechanism to which the withdrawal certificate belongs uploads transaction data including the verification result to a block chain.
In specific implementation, when a customer needs to perform media-free withdrawal, a transaction request including transaction related information may be sent to a local transaction mechanism to which a transaction account belongs through a mobile terminal of the customer such as a mobile phone, a PAD, and a computer, and a withdrawal receipt is generated and fed back to the mobile terminal of the customer after the transaction related information is checked, at this time, after the mobile terminal of the customer receives the withdrawal receipt, the customer may use the withdrawal receipt to perform a withdrawal operation on a cash terminal, the customer may use the withdrawal receipt to withdraw cash from the cash terminal belonging to the local transaction mechanism or cash terminals belonging to other transaction mechanisms, after the customer inputs (specifically, the two-dimensional code or barcode is input or the information is input) the withdrawal receipt into the cash terminal, the cash terminal first determines whether the withdrawal receipt belongs to the local transaction mechanism (specifically, the withdrawal receipt may be input according to the transaction account in the withdrawal receipt, the payment receipt is issued by the cash terminal), and the cash terminal determines whether the withdrawal receipt belongs to the local transaction mechanism If the transaction is judged to be unique information such as identity information, the customer inputs the withdrawal certificate into a cash terminal of the transaction mechanism, the medium-free withdrawal transaction in the transaction mechanism is carried out, and the cash terminal sends a request for verifying the withdrawal certificate to a background or a server of the transaction mechanism, namely the request for verifying the withdrawal certificate received by the background or the server of the transaction mechanism comes from the cash terminal of the transaction mechanism; if not, the customer inputs the withdrawal certificate to the cash terminal of other transaction institutions, the cross-institution non-medium withdrawal transaction is carried out, the cash terminal sends a request for verifying the withdrawal certificate to the background or the server of the transaction institution to which the transaction account belongs, namely, the request for verifying the withdrawal certificate received by the background or the server of the transaction institution comes from the cash terminal of other transaction institution, in a word, no matter the cash terminal of the transaction institution or the cash terminal of other transaction institution receives the withdrawal certificate, the request for verifying the withdrawal certificate is sent to the background or the server of the transaction institution to which the transaction account belongs, and therefore the background or the server of the transaction institution verifies the authenticity of the withdrawal certificate.
In specific implementation, in order to further improve the security of the transaction, in this embodiment, the media-free withdrawal transaction method further includes:
receiving an instruction for performing biological feature identification sent by a transaction mechanism to which the withdrawal certificate belongs, wherein the transaction mechanism to which the withdrawal certificate belongs judges whether biological feature identification is performed according to the magnitude relation between the amount of withdrawal transaction of the withdrawal certificate and a preset threshold value, uploading a judgment result to a block chain, and the instruction for performing biological feature identification is sent when the amount of withdrawal transaction of the transaction mechanism to which the withdrawal certificate belongs is greater than the preset threshold value;
and identifying the biological characteristics of the customer, sending the identified biological characteristics to a transaction mechanism to which the withdrawal certificate belongs, receiving an instruction of allowing the withdrawal transaction, and carrying out the withdrawal transaction, wherein the instruction of allowing the withdrawal transaction is sent when the verification result is passed and the identified biological characteristics are matched with the pre-stored biological characteristics.
In specific implementation, under the condition that a withdrawal certificate passes verification, a transaction mechanism to which the withdrawal certificate belongs further judges whether biological feature recognition is performed according to the magnitude relation between the amount of the withdrawal transaction of the withdrawal certificate and a preset threshold, when the amount of the withdrawal transaction is larger than the preset threshold, an instruction for performing biological feature recognition is sent to a cash terminal, the cash terminal recognizes the biological feature of a customer based on the instruction for performing biological feature recognition and sends the recognized biological feature to the transaction mechanism to which the withdrawal certificate belongs, the transaction mechanism to which the withdrawal certificate belongs verifies whether the recognized biological feature is matched with a pre-stored biological feature, when the biological feature is matched with the pre-stored biological feature, an instruction for allowing the withdrawal transaction is sent to the cash terminal, and the cash terminal performs the withdrawal transaction based on the instruction for allowing the withdrawal transaction.
In specific implementation, in order to further improve the convenience of the user in withdrawing money, in this embodiment, the media-free money withdrawal transaction method further includes:
receiving an instruction for carrying out biological feature identification and storage sent by a transaction mechanism to which the withdrawal certificate belongs, wherein the transaction mechanism to which the withdrawal certificate belongs judges whether biological feature identification is carried out according to the magnitude relation between the amount of withdrawal transaction of the withdrawal certificate and a preset threshold value, a judgment result is uploaded to a block chain, and the instruction for carrying out biological feature identification and storage is sent when the amount of withdrawal transaction of the transaction mechanism to which the withdrawal certificate belongs is larger than the preset threshold value; the biometric of the customer is identified and the identified biometric is stored.
In specific implementation, a transaction mechanism to which the withdrawal certificate belongs judges whether biometric identification is needed and storage is needed according to a size relationship between the amount of the withdrawal transaction of the withdrawal certificate and a preset threshold, for example, when the amount of the withdrawal transaction is greater than the preset threshold, an instruction for biometric identification and storage is sent to the cash terminal, and the cash terminal identifies and stores the biometric characteristics of a withdrawal customer so that an actual payee can be traced according to the subsequent process. For example, after one person makes an appointment for drawing to obtain a drawing voucher, the person is inconvenient to draw, and other people can use the drawing voucher to operate to draw instead of the person, so that the actual drawing personnel can be tracked through the stored biological characteristics, and the purpose that one person makes an appointment for drawing for multiple persons can be realized; in addition, even if the withdrawal certificate is leaked, the stolen person can be traced through the stored biological characteristics when the withdrawal certificate is stolen.
In this embodiment, a computer device is provided, as shown in fig. 3, comprising a memory 302, a processor 304, and a computer program stored on the memory and executable on the processor, the processor implementing any of the above-described media-less withdrawal transaction methods when executing the computer program.
In particular, the computer device may be a computer terminal, a server or a similar computing device.
In this embodiment, a computer-readable storage medium storing a computer program for executing any of the above-described media-less withdrawal transaction methods is provided.
In particular, computer-readable storage media, including both non-transitory and non-transitory, removable and non-removable media, may implement information storage by any method or technology. The information may be computer readable instructions, data structures, modules of a program, or other data. Examples of computer-readable storage media include, but are not limited to, phase change memory (PRAM), Static Random Access Memory (SRAM), Dynamic Random Access Memory (DRAM), other types of Random Access Memory (RAM), Read Only Memory (ROM), Electrically Erasable Programmable Read Only Memory (EEPROM), flash memory or other memory technology, compact disc read only memory (CD-ROM), Digital Versatile Discs (DVD) or other optical storage, magnetic cassettes, magnetic tape magnetic disk storage or other magnetic storage devices, or any other non-transmission medium that can be used to store information that can be accessed by a computing device. As defined herein, a computer readable storage medium does not include a transitory computer readable medium such as a modulated data signal and a carrier wave.
Based on the same inventive concept, the embodiment of the present invention further provides a media-free withdrawal transaction apparatus, as described in the following embodiments. Because the principle of the medium-less withdrawal transaction device for solving the problems is similar to that of the medium-less withdrawal transaction method, the implementation of the medium-less withdrawal transaction device can be referred to that of the medium-less withdrawal transaction method, and repeated details are omitted. As used hereinafter, the term "unit" or "module" may be a combination of software and/or hardware that implements a predetermined function. Although the means described in the embodiments below are preferably implemented in software, an implementation in hardware, or a combination of software and hardware is also possible and contemplated.
Fig. 4 is a block diagram of a media-less withdrawal transaction apparatus according to an embodiment of the present invention, as shown in fig. 4, the apparatus includes:
a transaction request receiving module 402, configured to receive a transaction request for media-free withdrawal sent by a client mobile terminal, where the transaction request includes transaction related information;
a voucher generating module 404, configured to generate a withdrawal voucher to send to the client mobile terminal after a transaction account of the transaction request belongs to the transaction institution and the transaction related information is approved;
a transaction instruction module 406, configured to receive a request for verifying the withdrawal certificate sent by a cash terminal, verify the withdrawal certificate, send a verification result to the cash terminal, send an instruction whether to allow a withdrawal transaction to the cash terminal according to the verification result, and upload transaction data including the verification result to a block chain, where the cash terminal belongs to a local transaction institution or the cash terminal does not belong to the local transaction institution.
In one embodiment, the transaction indication module includes:
the first judgment unit is used for judging whether biological feature identification is carried out or not according to the magnitude relation between the amount of money of the withdrawal transaction of the withdrawal certificate and a preset threshold value under the condition that the verification result is passed, and uploading the judgment result to a block chain;
the identification instruction unit is used for sending an instruction for carrying out biological feature identification to the cash terminal when the judgment result is that the biological feature identification is carried out;
and the transaction indicating unit is used for receiving the biological characteristics of the customer identified and sent by the cash terminal and sending an indication of allowing the withdrawal transaction to the cash terminal when the received biological characteristics are matched with the pre-stored biological characteristics.
In one embodiment, further comprising:
the judgment module is used for judging whether biological characteristic identification is needed or not according to the relationship between the amount of the withdrawal transaction of the withdrawal certificate and a preset threshold value, and uploading a judgment result to a block chain;
and the identification instruction module is used for sending an instruction for carrying out biological feature identification and storage to the cash terminal when the judgment result is that the biological feature identification is carried out.
In one embodiment, further comprising:
and the financial processing module is used for performing reconciliation processing with the transaction mechanism to which the cash terminal belongs according to the uploaded transaction data of the block chain after receiving the transaction success information fed back by the cash terminal under the condition that the cash terminal does not belong to the transaction mechanism.
Fig. 5 is a block diagram of a media-less withdrawal transaction apparatus according to an embodiment of the present invention, as shown in fig. 5, the apparatus includes:
a voucher receiving module 502, configured to receive an input withdrawal voucher, and determine whether the withdrawal voucher belongs to a local transaction mechanism, if so, send a request for verifying the withdrawal voucher to a server of the local transaction mechanism, and if not, send a request for verifying the withdrawal voucher to a transaction mechanism to which the withdrawal voucher belongs, where the withdrawal voucher is generated after a transaction-related information of the transaction mechanism passes auditing;
a transaction indication receiving module 504, configured to receive a verification result in response to the request for verifying the withdrawal certificate, and receive an indication whether to allow a withdrawal transaction, where the indication whether to allow the withdrawal transaction is sent by a transaction mechanism to which the withdrawal certificate belongs according to the verification result, and the transaction mechanism to which the withdrawal certificate belongs uploads transaction data including the verification result to a block chain;
a transaction module 506 to conduct a withdrawal transaction upon indication of permission for the withdrawal transaction.
In one embodiment, further comprising:
the first identification indication receiving module is used for receiving an indication of performing biological feature identification, which is sent by a transaction mechanism to which the withdrawal certificate belongs, wherein the transaction mechanism to which the withdrawal certificate belongs judges whether biological feature identification is performed according to the magnitude relation between the amount of withdrawal transaction of the withdrawal certificate and a preset threshold value, and uploads a judgment result to a block chain, and the indication of performing biological feature identification is sent when the amount of withdrawal transaction of the transaction mechanism to which the withdrawal certificate belongs is greater than the preset threshold value;
the first identification module is used for identifying the biological characteristics of a customer and sending the identified biological characteristics to a transaction mechanism to which the withdrawal certificate belongs;
the transaction module is used for receiving an instruction of allowing the withdrawal transaction and performing the withdrawal transaction, wherein the instruction of allowing the withdrawal transaction is sent by a transaction mechanism to which the withdrawal certificate belongs when the verification result is passed and the identified biological characteristics are matched with the pre-stored biological characteristics.
In one embodiment, further comprising:
the first identification indication receiving module is used for receiving an indication of performing biological feature identification and storage sent by a transaction mechanism to which the withdrawal certificate belongs, wherein the transaction mechanism to which the withdrawal certificate belongs judges whether biological feature identification is performed according to the size relation between the amount of withdrawal transaction of the withdrawal certificate and a preset threshold value, the judgment result is uploaded to a block chain, and the indication of performing biological feature identification and storage is sent when the amount of withdrawal transaction of the transaction mechanism to which the withdrawal certificate belongs is larger than the preset threshold value;
and the second identification module is used for identifying the biological characteristics of the client and storing the identified biological characteristics.
The embodiment of the invention realizes the following technical effects: receiving a transaction request of media-free withdrawal sent by a client mobile terminal, further generating a withdrawal certificate and sending the withdrawal certificate to the client mobile terminal after a transaction account number of the transaction request belongs to a transaction mechanism and transaction related information is approved, namely, the transaction mechanism generates the withdrawal certificate for the transaction account number belonging to the transaction mechanism, allowing the transaction account number to carry out media-free withdrawal transaction through the withdrawal certificate, in the process of media-free withdrawal transaction, a client can input the withdrawal certificate into a cash terminal of the transaction mechanism and can also input into cash terminals of other transaction mechanisms, then receiving a request for verifying the withdrawal certificate sent by the cash terminal, when receiving the request for verifying the withdrawal certificate from the cash terminal of the transaction mechanism, namely, the transaction account number carries out media-free withdrawal transaction at the transaction mechanism through the withdrawal certificate, and when receiving the request for verifying the withdrawal certificate from the cash terminals of other transaction mechanisms, the cross-institution medium-free withdrawal transaction is carried out on the transaction account number through the withdrawal voucher at other transaction institutions, at the moment, the withdrawal voucher is verified and a verification result is sent to the cash terminal, and an indication of whether the withdrawal transaction is allowed or not is sent to the cash terminal according to the verification result, so that the cross-institution medium-free withdrawal transaction can be carried out at the transaction institution through the withdrawal voucher, and the cross-institution medium-free withdrawal transaction can also be carried out at other transaction institutions through the withdrawal voucher, so that the limitation of the transaction behavior of a client is avoided, and the transaction convenience of the client is improved; meanwhile, the transaction data comprising the verification result is uploaded to the blockchain, so that whether the media-free withdrawal transaction is carried out at the transaction mechanism through the withdrawal certificate or the cross-mechanism media-free withdrawal transaction is carried out at other transaction mechanisms through the withdrawal certificate, the traceability of the transaction process is realized according to the transaction data on the blockchain, the counterfeit property of the transaction is avoided or reduced, and the centralized maintenance of the data is facilitated.
It will be apparent to those skilled in the art that the modules or steps of the embodiments of the invention described above may be implemented by a general purpose computing device, they may be centralized on a single computing device or distributed across a network of multiple computing devices, and alternatively, they may be implemented by program code executable by a computing device, such that they may be stored in a storage device and executed by a computing device, and in some cases, the steps shown or described may be performed in an order different than that described herein, or they may be separately fabricated into individual integrated circuit modules, or multiple ones of them may be fabricated into a single integrated circuit module. Thus, embodiments of the invention are not limited to any specific combination of hardware and software.
The above description is only a preferred embodiment of the present invention, and is not intended to limit the present invention, and various modifications and changes may be made to the embodiment of the present invention by those skilled in the art. Any modification, equivalent replacement, or improvement made within the spirit and principle of the present invention should be included in the protection scope of the present invention.
Claims (12)
1. A media-less withdrawal transaction method, comprising:
receiving a transaction request for media-free withdrawal sent by a client mobile terminal, wherein the transaction request comprises transaction related information; the transaction related information comprises transaction information and identity information, wherein the transaction information comprises a transaction account number and a withdrawal amount, and the identity information comprises a client name and identity certificate information;
the transaction account of the transaction request belongs to the transaction institution, and generates a withdrawal certificate and sends the withdrawal certificate to the client mobile terminal after the transaction related information is approved; wherein, the withdrawal voucher is any form of information for proving that the transaction request passes;
receiving a request for verifying the withdrawal certificate sent by a cash terminal, verifying the withdrawal certificate and sending a verification result to the cash terminal, sending an indication whether to allow a withdrawal transaction to the cash terminal according to the verification result, and uploading transaction data including the verification result to a block chain, wherein the cash terminal belongs to a local transaction mechanism or the cash terminal does not belong to the local transaction mechanism; wherein the content of the first and second substances,
under the condition that the verification result is passed, judging whether biological feature identification is carried out or not according to the magnitude relation between the amount of the withdrawal transaction of the withdrawal certificate and a preset threshold value, and uploading the judgment result to a block chain;
when the judgment result is that the biological feature recognition is carried out, sending an instruction for carrying out the biological feature recognition to the cash terminal;
and receiving the biological characteristics of the customer identified and sent by the cash terminal, and sending an instruction for allowing the withdrawal transaction to the cash terminal when the received biological characteristics are matched with the pre-stored biological characteristics.
2. The media-less cash withdrawal transaction method of claim 1, further comprising:
judging whether biological feature recognition is carried out or not according to the relation between the amount of the withdrawal transaction of the withdrawal certificate and a preset threshold value, and uploading a judgment result to a block chain;
and when the judgment result is that the biological characteristic identification is carried out, sending an instruction for carrying out the biological characteristic identification and storing to the cash terminal.
3. The media-less cash withdrawal transaction method of claim 1 or 2, further comprising:
and under the condition that the cash terminal does not belong to the transaction mechanism, after the transaction success information fed back by the cash terminal is received, reconciliation processing is carried out on the transaction data of the block chain and the transaction mechanism to which the cash terminal belongs according to the uploaded transaction data.
4. A media-less withdrawal transaction method, comprising:
receiving an input withdrawal certificate, judging whether the withdrawal certificate belongs to a transaction mechanism, if so, sending a request for verifying the withdrawal certificate to a server of the transaction mechanism, and if not, sending a request for verifying the withdrawal certificate to the transaction mechanism to which the withdrawal certificate belongs, wherein the withdrawal certificate is generated after transaction related information of the transaction mechanism passes verification, and the withdrawal certificate is information in any form for proving that the transaction request passes; the transaction related information comprises transaction information and identity information, the transaction information comprises a transaction account number and a withdrawal amount, and the identity information comprises a client name and identity certificate information;
receiving a verification result responding to the request for verifying the withdrawal certificate, receiving an indication of whether the withdrawal transaction is allowed, and carrying out the withdrawal transaction when the withdrawal transaction is allowed, wherein the indication of whether the withdrawal transaction is allowed is sent by a transaction mechanism to which the withdrawal certificate belongs according to the verification result, and the transaction mechanism to which the withdrawal certificate belongs uploads transaction data including the verification result to a block chain;
receiving an instruction for performing biological feature identification sent by a transaction mechanism to which the withdrawal certificate belongs, wherein the transaction mechanism to which the withdrawal certificate belongs judges whether biological feature identification is performed according to the magnitude relation between the amount of withdrawal transaction of the withdrawal certificate and a preset threshold value, uploading a judgment result to a block chain, and the instruction for performing biological feature identification is sent when the amount of withdrawal transaction of the transaction mechanism to which the withdrawal certificate belongs is greater than the preset threshold value;
and identifying the biological characteristics of the customer, sending the identified biological characteristics to a transaction mechanism to which the withdrawal certificate belongs, receiving an instruction of allowing the withdrawal transaction, and carrying out the withdrawal transaction, wherein the instruction of allowing the withdrawal transaction is sent when the verification result is passed and the identified biological characteristics are matched with the pre-stored biological characteristics.
5. The media-less cash withdrawal transaction method of claim 4, further comprising:
receiving an instruction for carrying out biological feature identification and storage sent by a transaction mechanism to which the withdrawal certificate belongs, wherein the transaction mechanism to which the withdrawal certificate belongs judges whether biological feature identification is carried out according to the magnitude relation between the amount of withdrawal transaction of the withdrawal certificate and a preset threshold value, a judgment result is uploaded to a block chain, and the instruction for carrying out biological feature identification and storage is sent when the amount of withdrawal transaction of the transaction mechanism to which the withdrawal certificate belongs is larger than the preset threshold value;
the biometric of the customer is identified and the identified biometric is stored.
6. A media-less withdrawal transaction apparatus, comprising:
the system comprises a transaction request receiving module, a transaction request receiving module and a transaction processing module, wherein the transaction request receiving module is used for receiving a transaction request for withdrawing money without a medium, which is sent by a client mobile terminal, and the transaction request comprises transaction related information; the transaction related information comprises transaction information and identity information, wherein the transaction information comprises a transaction account number and a withdrawal amount, and the identity information comprises a client name and identity certificate information;
the voucher generation module is used for generating a withdrawal voucher and sending the withdrawal voucher to the client mobile terminal after the transaction account of the transaction request belongs to the transaction mechanism and the transaction related information is approved; wherein, the withdrawal voucher is any form of information for proving that the transaction request passes;
the transaction instruction module is used for receiving a request for verifying the withdrawal certificate sent by a cash terminal, verifying the withdrawal certificate and sending a verification result to the cash terminal, sending an instruction for judging whether to allow a withdrawal transaction to the cash terminal according to the verification result, and uploading transaction data including the verification result to a block chain, wherein the cash terminal belongs to a transaction mechanism or the cash terminal does not belong to the transaction mechanism; wherein, include:
the first judgment unit is used for judging whether biological feature identification is carried out or not according to the magnitude relation between the amount of money of the withdrawal transaction of the withdrawal certificate and a preset threshold value under the condition that the verification result is passed, and uploading the judgment result to a block chain;
the identification instruction unit is used for sending an instruction for carrying out biological feature identification to the cash terminal when the judgment result is that the biological feature identification is carried out;
and the transaction indicating unit is used for receiving the biological characteristics of the customer identified and sent by the cash terminal and sending an indication of allowing the withdrawal transaction to the cash terminal when the received biological characteristics are matched with the pre-stored biological characteristics.
7. The media-less withdrawal transaction apparatus of claim 6, further comprising:
the judgment module is used for judging whether biological characteristic identification is needed or not according to the relationship between the amount of the withdrawal transaction of the withdrawal certificate and a preset threshold value, and uploading a judgment result to a block chain;
and the identification instruction module is used for sending an instruction for carrying out biological feature identification and storage to the cash terminal when the judgment result is that the biological feature identification is carried out.
8. The media-less withdrawal transaction apparatus of claim 6 or 7, further comprising:
and the financial processing module is used for performing reconciliation processing with the transaction mechanism to which the cash terminal belongs according to the uploaded transaction data of the block chain after receiving the transaction success information fed back by the cash terminal under the condition that the cash terminal does not belong to the transaction mechanism.
9. A media-less withdrawal transaction apparatus, comprising:
the certificate receiving module is used for receiving an input withdrawal certificate and judging whether the withdrawal certificate belongs to the transaction mechanism, if so, sending a request for verifying the withdrawal certificate to a server of the transaction mechanism, and if not, sending a request for verifying the withdrawal certificate to the transaction mechanism to which the withdrawal certificate belongs, wherein the withdrawal certificate is generated after transaction related information of the transaction mechanism passes audit, and the withdrawal certificate is information in any form for proving that the transaction request passes; the transaction related information comprises transaction information and identity information, the transaction information comprises a transaction account number and a withdrawal amount, and the identity information comprises a client name and identity certificate information;
a transaction instruction receiving module, configured to receive an authentication result in response to a request for authenticating the withdrawal certificate, and receive an instruction whether to allow a withdrawal transaction, where the instruction whether to allow the withdrawal transaction is sent by a transaction mechanism to which the withdrawal certificate belongs according to the authentication result, and the transaction mechanism to which the withdrawal certificate belongs uploads transaction data including the authentication result to a block chain;
the first identification indication receiving module is used for receiving an indication of performing biological feature identification, which is sent by a transaction mechanism to which the withdrawal certificate belongs, wherein the transaction mechanism to which the withdrawal certificate belongs judges whether biological feature identification is performed according to the magnitude relation between the amount of withdrawal transaction of the withdrawal certificate and a preset threshold value, and uploads a judgment result to a block chain, and the indication of performing biological feature identification is sent when the amount of withdrawal transaction of the transaction mechanism to which the withdrawal certificate belongs is greater than the preset threshold value;
the first identification module is used for identifying the biological characteristics of a customer and sending the identified biological characteristics to a transaction mechanism to which the withdrawal certificate belongs;
and the transaction module is used for receiving an instruction of allowing the withdrawal transaction and carrying out the withdrawal transaction, wherein the instruction of allowing the withdrawal transaction is sent by a transaction mechanism to which the withdrawal certificate belongs when the verification result is passed and the identified biological characteristics are matched with the pre-stored biological characteristics.
10. The media-less cash withdrawal transaction apparatus of claim 9, further comprising:
the first identification indication receiving module is used for receiving an indication of performing biological feature identification and storage sent by a transaction mechanism to which the withdrawal certificate belongs, wherein the transaction mechanism to which the withdrawal certificate belongs judges whether biological feature identification is performed according to the size relation between the amount of withdrawal transaction of the withdrawal certificate and a preset threshold value, the judgment result is uploaded to a block chain, and the indication of performing biological feature identification and storage is sent when the amount of withdrawal transaction of the transaction mechanism to which the withdrawal certificate belongs is larger than the preset threshold value;
and the second identification module is used for identifying the biological characteristics of the client and storing the identified biological characteristics.
11. A computer device comprising a memory, a processor, and a computer program stored on the memory and executable on the processor, wherein the processor, when executing the computer program, implements the media-less cash withdrawal transaction method of any of claims 1 to 5.
12. A computer-readable storage medium storing a computer program for executing the media-less withdrawal transaction method according to any one of claims 1 to 5.
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| US11562335B2 (en) * | 2018-01-29 | 2023-01-24 | Mastercard International Incorporated | Method and system for facilitating ATM transactions using blockchain |
| CN108765786B (en) * | 2018-04-03 | 2020-11-24 | 中电金融设备系统（深圳）有限公司 | Two-dimensional code withdrawal safety verification method and system and computer storage medium |
| CN108877098B (en) * | 2018-05-04 | 2021-07-27 | 平安科技（深圳）有限公司 | Cardless withdrawal method, device, system, storage medium and electronic equipment |
| CN110298984A (en) * | 2019-07-05 | 2019-10-01 | 中国工商银行股份有限公司 | A kind of inter-bank based on withdrawal element is without card enchashment processing method and processing device |
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