CN111968316A - Withdrawal request processing method and device and self-service terminal - Google Patents
Withdrawal request processing method and device and self-service terminal Download PDFInfo
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- CN111968316A CN111968316A CN202010961585.9A CN202010961585A CN111968316A CN 111968316 A CN111968316 A CN 111968316A CN 202010961585 A CN202010961585 A CN 202010961585A CN 111968316 A CN111968316 A CN 111968316A
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- securities
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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]
- G07F19/204—Loading of a stored value token using an ATM
Abstract
The application discloses a withdrawal request processing method, a withdrawal request processing device and a self-service terminal, wherein the method comprises the following steps: receiving a withdrawal request, wherein the withdrawal request carries a withdrawal amount; under the condition that the withdrawal amount is determined to be larger than the amount of the cash left in the bank self-service terminal, displaying a withdrawal mode selection interface, wherein the withdrawal mode selection interface comprises a valuable paper withdrawal mode; responding to a selection instruction of a withdrawal mode of the securities, generating a withdrawal request of the securities and sending the withdrawal request to a background server, wherein the withdrawal request of the securities carries the number of the securities and the amount of money corresponding to each of the securities; receiving the information of the securities returned by the background server; printing the securities according to the information of the securities, the number of the securities and the corresponding amount of money of each of the securities, wherein the securities can be used as cash. By the method, various withdrawal modes are provided for the user, and the withdrawal requirement of the user is met.
Description
Technical Field
The application relates to the technical field of bank information data processing, in particular to a withdrawal request processing method and device and a self-service terminal method and device.
Background
The bank self-service terminal is distributed in various places of cities and towns, and the self-service withdrawal function of the bank self-service terminal provides a great deal of convenience for the life of people.
However, the situation that the user finds that the remaining amount of money on the self-service terminal is insufficient when the user withdraws money from the self-service terminal often occurs, in this situation, the user can only go to the self-service terminal of another bank outlet to withdraw money, but the remaining amount of money in another self-service terminal selected by the user does not necessarily meet the withdrawal requirement of the user, so that the user cannot withdraw money and the withdrawal time is too long.
Disclosure of Invention
In view of this, the present application provides a withdrawal request processing method and apparatus, and a self-service terminal method and apparatus, so as to solve the problem that a user cannot withdraw money and the withdrawal time process in the prior art.
In order to achieve the above object, the following solutions are proposed:
a withdrawal request processing method is applied to a bank self-service terminal and comprises the following steps:
receiving a withdrawal request, wherein the withdrawal request carries a withdrawal amount;
under the condition that the withdrawal amount is determined to be larger than the amount of the cash left in the bank self-service terminal, displaying a withdrawal mode selection interface, wherein the withdrawal mode selection interface comprises a valuable paper withdrawal mode;
responding to the selection instruction of the withdrawal mode of the securities, generating a withdrawal request of the securities and sending the withdrawal request to a background server, wherein the withdrawal request of the securities carries the number of the securities and the amount of money corresponding to each of the securities;
receiving the information of the securities returned by the background server;
and printing the securities according to the information of the securities, the number of the securities and the corresponding amount of money of each securities.
Preferably, the information of the securities comprises two-dimensional codes, and each two-dimensional code corresponds to one piece of securities respectively;
printing the securities according to the information of the securities, the number of the securities and the amount of money corresponding to each of the securities, comprising the following steps:
according to the number of two-dimensional code, securities and the amount of money that every securities corresponds, print securities to the face of the securities that makes the printing out contains the two-dimensional code with amount of money, the two-dimensional code is used for transferring accounts amount.
Preferably, the information of the securities further comprises passwords corresponding to the two-dimensional codes and used for encrypting the two-dimensional codes;
before printing a value document, the method comprises:
displaying a negotiable securities printing instruction acquisition interface, wherein the negotiable securities printing instruction acquisition interface comprises the password;
and printing the securities in response to the printing instruction acquired through the securities printing instruction acquisition interface.
Preferably, after responding to the selection instruction of the withdrawal mode of the securities, before generating a withdrawal request of the securities:
displaying a negotiable securities configuration interface;
and acquiring the number of the securities input through the negotiable securities configuration interface and the amount of money corresponding to each negotiable securities, and generating a withdrawal request of the negotiable securities.
A device for processing a withdrawal request, the device comprising:
the first receiving module is used for receiving a withdrawal request, wherein the withdrawal request carries a withdrawal amount;
the first display module is used for displaying a withdrawal mode selection interface under the condition that the withdrawal amount is determined to be larger than the amount of the cash left in the bank self-service terminal, wherein the withdrawal mode selection interface comprises a valuable paper withdrawal mode;
the sending module is used for responding to a selection instruction of the withdrawal mode of the securities, generating a withdrawal request of the securities and sending the withdrawal request to the background server, wherein the withdrawal request of the securities carries the number of the securities and the amount of money corresponding to each of the securities;
the second receiving module is used for receiving the information of the securities returned by the background server;
and the printing module is used for printing the securities according to the information of the securities, the number of the securities and the amount of money corresponding to each of the securities.
Preferably, the information of the securities comprises two-dimension codes and passwords, each two-dimension code corresponds to one piece of securities, and the passwords correspond to the two-dimension codes and are used for encrypting the two-dimension codes; the device further comprises:
the second display module is used for displaying a negotiable securities printing instruction acquisition interface, and the negotiable securities printing instruction acquisition interface comprises the password;
the printing module is specifically used for responding to the printing instruction acquired through the negotiable securities printing instruction acquisition interface and printing negotiable securities.
Preferably, the apparatus further comprises:
the third display module is used for displaying a negotiable securities configuration interface;
and the sending module is specifically used for acquiring the number of the securities input through the negotiable securities configuration interface and the amount of money corresponding to each negotiable securities, generating a withdrawal request of the negotiable securities and sending the withdrawal request to the background server.
A bank self-service terminal comprising a memory, a processor and a computer program stored in the memory and operable on the processor, the processor when executing the computer program implementing the steps of the method of processing a withdrawal request as described above.
According to the technical scheme, under the condition that the bank self-service terminal determines that the amount of the remaining cash is smaller than the withdrawal amount of the user, a withdrawal mode of the valuable securities is provided for the user, after the user selects the withdrawal mode of the valuable securities, the valuable securities are printed out by the self-service terminal, and the valuable securities can be used as cash. Therefore, under the condition that the bank self-service terminal lacks bank notes, the method and the device provide valuable securities which are equal to cash in use for users, so that various withdrawal modes are provided for the users, the withdrawal requirements of the users are met, and the time spent by the users in withdrawing money is reduced.
Drawings
In order to more clearly illustrate the embodiments of the present application or the technical solutions in the prior art, the drawings used in the description of the embodiments or the prior art will be briefly described below, it is obvious that the drawings in the following description are only some embodiments of the present application, and for those skilled in the art, other drawings can be obtained according to the drawings without creative efforts.
Fig. 1 is a flowchart of a method for processing a withdrawal request according to an embodiment of the present disclosure;
FIG. 2 is a flow chart illustrating a method for processing a withdrawal request according to another embodiment of the present disclosure;
fig. 3 is a block diagram illustrating a withdrawal request processing apparatus according to an embodiment of the disclosure.
Detailed Description
The technical solutions in the embodiments of the present application will be clearly and completely described below with reference to the drawings in the embodiments of the present application, and it is obvious that the described embodiments are only a part of the embodiments of the present application, and not all of the embodiments. All other embodiments, which can be derived by a person skilled in the art from the embodiments given herein without making any creative effort, shall fall within the protection scope of the present application.
An embodiment of the present application provides a method for processing a withdrawal request, where the method is applied to a bank self-service terminal, and as shown in fig. 1, the method includes:
s100, receiving a withdrawal request, wherein the withdrawal request carries a withdrawal amount.
The user initiates a withdrawal request at the bank self-service terminal.
S110, under the condition that the withdrawal amount is determined to be larger than the amount of the residual cash in the bank self-service terminal, a withdrawal mode selection interface is displayed, and the withdrawal mode selection interface comprises a valuable paper withdrawal mode.
The method comprises the steps that after a bank self-service terminal receives a withdrawal request of a user, the withdrawal amount in the withdrawal request is obtained, the current residual cash amount of the bank self-service terminal is obtained, whether the residual cash amount is larger than the withdrawal amount of the user is judged, a withdrawal mode selection interface is displayed under the condition that the residual cash amount is smaller than the withdrawal amount, the fact that the balance of cash of the customer self-service terminal is insufficient is reminded, and the withdrawal mode selection interface contains a withdrawal mode of securities, so that the user can select the withdrawal mode of the securities. Specifically, the withdrawal mode selection interface may also provide other withdrawal modes, such as withdrawing remaining cash, giving up withdrawal, and the like.
And S120, responding to the selection instruction of the withdrawal mode of the securities, generating a withdrawal request of the securities and sending the withdrawal request to a background server, wherein the withdrawal request of the securities carries the number of the securities and the amount of money corresponding to each of the securities.
After receiving an instruction of selecting a valuable paper withdrawal mode from a user, the bank self-service terminal responds to the instruction to generate a withdrawal request of the valuable paper and sends the withdrawal request to the background server, wherein the withdrawal request of the valuable paper carries the number of the valuable paper and the amount of money corresponding to each valuable paper. The bank self-service terminal defaults that the amount corresponding to each security is 100 yuan, determines the number of the securities to be printed based on the withdrawal amount, and then generates a withdrawal request of the securities.
After receiving the withdrawal request of the securities, the background server generates information of the securities according to the number of the securities carried by the background server and the amount of money corresponding to each negotiable securities, and the information mainly comprises: the amount, the stock number, the date, a website link for going to a bank background system for transferring accounts and the like. Meanwhile, the background server records the information of each negotiable securities, so that the subsequent users can mark the negotiable securities when transferring, cashing and continuously circulating the negotiable securities.
And S130, receiving the information of the securities returned by the background server.
And S140, printing the securities according to the information of the securities, the number of the securities and the corresponding amount of money of each securities.
Specifically, the same number of securities as the number of the securities are printed, and information such as the number and the amount of the securities is printed on each of the securities.
In the embodiment of the application, the bank self-service terminal provides a withdrawal mode of the negotiable securities for the user when determining that the residual cash amount is smaller than the withdrawal amount of the user, and prints the negotiable securities after the user selects the withdrawal mode of the negotiable securities, wherein the negotiable securities are equivalent to cash circulation use. Namely, under the condition that the bank self-service terminal lacks the paper money, the valuable paper which is the same as the cash in use can be provided for the user, the condition that the money cannot be withdrawn is avoided by providing a plurality of money withdrawing modes for the user, the money withdrawing requirement of the user is met, and the time spent by the user in withdrawing money is reduced.
Another embodiment of the present application further provides a method for processing a withdrawal request, as shown in fig. 2, the method includes:
s200, receiving a withdrawal request, wherein the withdrawal request carries a withdrawal amount.
S210, under the condition that the withdrawal amount is determined to be larger than the amount of the cash left in the bank self-service terminal, a withdrawal mode selection interface is displayed, and the withdrawal mode selection interface comprises a valuable paper withdrawal mode.
S220, responding to a selection instruction of a withdrawal mode of the securities, generating a withdrawal request of the securities and sending the withdrawal request to a background server, wherein the withdrawal request of the securities carries the number of the securities and the amount of money corresponding to each of the securities.
Specifically, after responding to a selection instruction of a withdrawal mode of the securities, the method further comprises the following steps before generating a withdrawal request of the securities: displaying a negotiable securities configuration interface, acquiring negotiable securities configuration information input through the negotiable securities configuration interface, namely the number of negotiable securities and the amount of money corresponding to each negotiable securities, and generating a withdrawal request of the negotiable securities, for example, a user can divide 1000 into 10 negotiable securities of 100, so that the number of the acquired negotiable securities is 10, and the amount of money corresponding to each negotiable securities is 100. Alternatively, the user may divide 1000 into 2 securities of 500, the number of the securities thus acquired is 2, and the amount of money corresponding to each of the securities is 500 yuan.
And S230, receiving the information of the securities returned by the background server.
The information of the securities comprises two-dimensional codes and passwords, each two-dimensional code corresponds to one piece of securities, the passwords correspond to the two-dimensional codes and are used for encrypting the two-dimensional codes, and the two-dimensional codes store information such as the number, the amount, the date and the website link of the securities. The money amount, the security number and the date information are plaintext, encryption is not needed, the website link is encrypted, the password can be used for continuous transaction only by verifying the password after the two-dimensional code is scanned to obtain the website link, and a specific implementation mode is described below. Alternatively, the amount information and date may be stored in the background server instead of the two-dimensional code.
And S240, displaying a valuable paper printing instruction acquisition interface, wherein the valuable paper printing instruction acquisition interface comprises a password.
The password is displayed on a negotiable securities printing instruction acquisition interface of the self-service terminal, so that a user can record the password, and the password is used for decryption when a subsequent user scans the two-dimensional code. And a printing button is displayed on the negotiable securities printing instruction acquisition interface, and the self-service terminal acquires the negotiable securities printing instruction by clicking the printing button by a user. At this time, the self-service terminal also sends a printing notification to the background server so that the background server deducts the withdrawal amount from the account of the withdrawal user.
S250, acquiring a printing instruction acquired through a printing instruction acquisition interface of the securities, and printing the securities according to the two-dimensional codes, the number of the securities and the amount of money corresponding to each negotiable securities so that the security face of the printed negotiable securities contains the two-dimensional codes and the amount of money, wherein the two-dimensional codes are used for transferring the amount of money.
After the user takes the securities, the user can complete the transfer operation by scanning the two-dimensional code on the securities by using a mobile client such as a mobile phone bank. Specifically, after a user logs in, a mobile client obtains information stored in a two-dimensional code by scanning the two-dimensional code, the information stored in the two-dimensional code comprises a number of securities, a sum corresponding to the securities and a website link, a request for sending the securities to a background system corresponding to the website link is sent, the background system searches the stored information of the securities, determines the information of the securities corresponding to the number of the securities, such as a password, and further sends a verification instruction to the mobile client, the mobile client receives and responds to the verification instruction sent by the background system, displays a password input interface, obtains the password input through the password input interface and sends the password to the background system so that the background system sends a notification message of passing verification to the mobile client under the condition that the password passes verification, and the mobile client displays a use mode selection interface after receiving the notification message, the use mode selection interface comprises a transfer use mode and a continuous use mode.
Under the condition that a user selects a transfer use mode, the mobile client receives a transfer instruction, responds to the transfer instruction, obtains account information of a login user, generates a transfer request and sends the transfer request to the background system, the transfer request comprises the account information of the user, after the background system receives the transfer request, the back system carries out transfer of the amount of money corresponding to the negotiable securities to an account corresponding to the account information of the user, and marks the number of the negotiable securities to avoid continuous use of the negotiable securities.
Or the user does not want to obtain cash transfer after taking the valuable securities, and then selects a continuous use mode, so that the mobile client receives a new password acquisition instruction input by the user, responds to the new password acquisition instruction to generate a password acquisition request and sends the password acquisition request to the background system; the background system marks the old password, generates a new password for the negotiable securities and sends the new password to the mobile client; and the mobile client receives the new password returned by the background system and displays the new password so that the user records the new password.
An embodiment of the present application further provides a device for processing a withdrawal request, as shown in fig. 3, the device includes:
a first receiving module 300, configured to receive a withdrawal request, where the withdrawal request carries a withdrawal amount;
the first display module 310 is used for displaying a withdrawal mode selection interface under the condition that the withdrawal amount is determined to be larger than the amount of the cash remaining in the bank self-service terminal, wherein the withdrawal mode selection interface comprises a valuable paper withdrawal mode;
the sending module 320 is configured to respond to a selection instruction of a withdrawal mode of the securities, generate a withdrawal request of the securities, and send the withdrawal request to the background server, where the withdrawal request of the securities carries the number of the securities and the amount of money corresponding to each of the securities;
the second receiving module 330 is configured to receive information of the securities returned by the background server;
the printing module 340 is configured to print the securities according to the information of the securities, the number of the securities, and the amount of money corresponding to each of the securities.
Preferably, the information of the securities comprises two-dimension codes and passwords, each two-dimension code corresponds to one piece of securities, and the passwords correspond to the two-dimension codes and are used for encrypting the two-dimension codes; the processing apparatus further includes:
the second display module is used for displaying a negotiable securities printing instruction acquisition interface, and the negotiable securities printing instruction acquisition interface comprises a password;
a printing module for responding the printing instruction obtained by the printing instruction obtaining interface of the securities and printing the securities
Preferably, the apparatus further comprises:
the third display module is used for displaying a negotiable securities configuration interface;
and the sending module is specifically used for acquiring the number of the securities input through the negotiable securities configuration interface and the amount of money corresponding to each negotiable securities, generating a withdrawal request of the negotiable securities and sending the withdrawal request to the background server.
The embodiment of the present application further provides a bank self-service terminal, where the bank self-service terminal includes a memory, a processor, and a computer program stored in the memory and capable of running on the processor, and the processor implements the steps of the method for processing a withdrawal request according to the above embodiment when executing the computer program.
Finally, it should also be noted that, herein, relational terms such as first and second, and the like may be used solely to distinguish one entity or action from another entity or action without necessarily requiring or implying any actual such relationship or order between such entities or actions. Also, the terms "comprises," "comprising," or any other variation thereof, are intended to cover a non-exclusive inclusion, such that a process, method, article, or apparatus that comprises a list of elements does not include only those elements but may include other elements not expressly listed or inherent to such process, method, article, or apparatus. Without further limitation, an element defined by the phrase "comprising an … …" does not exclude the presence of other identical elements in a process, method, article, or apparatus that comprises the element.
The embodiments in the present description are described in a progressive manner, each embodiment focuses on differences from other embodiments, and the same and similar parts among the embodiments are referred to each other.
The previous description of the disclosed embodiments is provided to enable any person skilled in the art to make or use the present application. Various modifications to these embodiments will be readily apparent to those skilled in the art, and the generic principles defined herein may be applied to other embodiments without departing from the spirit or scope of the application. Thus, the present application is not intended to be limited to the embodiments shown herein but is to be accorded the widest scope consistent with the principles and novel features disclosed herein.
Claims (8)
1. A withdrawal request processing method is applied to a bank self-service terminal and comprises the following steps:
receiving a withdrawal request, wherein the withdrawal request carries a withdrawal amount;
under the condition that the withdrawal amount is determined to be larger than the amount of the cash left in the bank self-service terminal, displaying a withdrawal mode selection interface, wherein the withdrawal mode selection interface comprises a valuable paper withdrawal mode;
responding to the selection instruction of the withdrawal mode of the securities, generating a withdrawal request of the securities and sending the withdrawal request to a background server, wherein the withdrawal request of the securities carries the number of the securities and the amount of money corresponding to each of the securities;
receiving the information of the securities returned by the background server;
and printing the securities according to the information of the securities, the number of the securities and the corresponding amount of money of each securities.
2. The method of claim 1, wherein the information of the securities comprises two-dimensional codes, each two-dimensional code corresponding to a respective one of the securities;
printing the securities according to the information of the securities, the number of the securities and the amount of money corresponding to each of the securities, comprising the following steps:
according to the number of two-dimensional code, securities and the amount of money that every securities corresponds, print securities to the face of the securities that makes the printing out contains the two-dimensional code with amount of money, the two-dimensional code is used for transferring accounts amount.
3. The method according to claim 2, wherein the information of the securities further comprises passwords corresponding to the respective two-dimensional codes for encrypting the respective two-dimensional codes;
before printing a value document, the method comprises:
displaying a negotiable securities printing instruction acquisition interface, wherein the negotiable securities printing instruction acquisition interface comprises the password;
and printing the securities in response to the printing instruction acquired through the securities printing instruction acquisition interface.
4. The method as set forth in claim 1, wherein, after responding to the instruction for selecting the mode of withdrawal of the securities, generating a withdrawal request for the securities further comprises:
displaying a negotiable securities configuration interface;
and acquiring the number of the securities input through the negotiable securities configuration interface and the amount of money corresponding to each negotiable securities, and generating a withdrawal request of the negotiable securities.
5. A withdrawal request processing apparatus, the apparatus comprising:
the first receiving module is used for receiving a withdrawal request, wherein the withdrawal request carries a withdrawal amount;
the first display module is used for displaying a withdrawal mode selection interface under the condition that the withdrawal amount is determined to be larger than the amount of the cash left in the bank self-service terminal, wherein the withdrawal mode selection interface comprises a valuable paper withdrawal mode;
the sending module is used for responding to a selection instruction of the withdrawal mode of the securities, generating a withdrawal request of the securities and sending the withdrawal request to the background server, wherein the withdrawal request of the securities carries the number of the securities and the amount of money corresponding to each of the securities;
the second receiving module is used for receiving the information of the securities returned by the background server;
and the printing module is used for printing the securities according to the information of the securities, the number of the securities and the amount of money corresponding to each of the securities.
6. The apparatus according to claim 5, wherein the information of the securities comprises two-dimensional codes and passwords, each two-dimensional code corresponds to a respective one of the securities, and the passwords correspond to the respective two-dimensional codes and are used for encrypting the respective two-dimensional codes; the device further comprises:
the second display module is used for displaying a negotiable securities printing instruction acquisition interface, and the negotiable securities printing instruction acquisition interface comprises the password;
the printing module is specifically used for responding to the printing instruction acquired through the negotiable securities printing instruction acquisition interface and printing negotiable securities.
7. The apparatus of claim 5, wherein the apparatus further comprises:
the third display module is used for displaying a negotiable securities configuration interface;
and the sending module is specifically used for acquiring the number of the securities input through the negotiable securities configuration interface and the amount of money corresponding to each negotiable securities, generating a withdrawal request of the negotiable securities and sending the withdrawal request to the background server.
8. A bank self-service terminal, characterised in that it comprises a memory, a processor and a computer program stored in the memory and operable on the processor, the processor when executing the computer program implementing the steps of the method of processing a withdrawal request as claimed in any one of claims 1 to 4 above.
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| CN202010961585.9A CN111968316A (en) | 2020-09-14 | 2020-09-14 | Withdrawal request processing method and device and self-service terminal |
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| CN202010961585.9A CN111968316A (en) | 2020-09-14 | 2020-09-14 | Withdrawal request processing method and device and self-service terminal |
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| Publication number | Priority date | Publication date | Assignee | Title |
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| CN113593140A (en) * | 2021-07-09 | 2021-11-02 | 浪潮金融信息技术有限公司 | Bank note distribution method, system and medium for financial self-service equipment |
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