CN111986404B - Withdrawal limit borrowing method based on ATM and related device - Google Patents
Withdrawal limit borrowing method based on ATM and related device Download PDFInfo
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- CN111986404B CN111986404B CN202010903813.7A CN202010903813A CN111986404B CN 111986404 B CN111986404 B CN 111986404B CN 202010903813 A CN202010903813 A CN 202010903813A CN 111986404 B CN111986404 B CN 111986404B
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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]
- G07F19/211—Software architecture within ATMs or in relation to the ATM network
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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
Abstract
The application discloses a withdrawal limit borrowing method and a related device based on a self-service cash dispenser, wherein the method comprises the following steps: judging that the withdrawal amount of the first user at the ATM is larger than the withdrawal limit of the first user on the same day when the current bank card of the first user is obtained, and displaying a withdrawal limit borrowing prompt to the first user when the bank network leaves work and the first user determines to withdraw money; after executing a first withdrawal limit borrowing operation based on the withdrawal limit borrowing prompt, a first user sends withdrawal limit borrowing information comprising identity information of the first user and a first withdrawal limit borrowing amount selected by the first user to a second user; after the second user executes a second withdrawal limit borrowing operation based on the withdrawal limit borrowing information, determining a second withdrawal limit borrowing amount selected by the second user; and adding the second withdrawal limit borrowing amount to the current bank card withdrawal limit of the first user on the same day. The method enables a user to extract a large amount of cash required by the user through a bank card on the ATM.
Description
Technical Field
The application relates to the technical field of automatic teller machines, in particular to a withdrawal limit borrowing method and a related device based on an automatic teller machine.
Background
At the present stage, after a bank outlet is off duty, a user can go to an automatic teller machine to withdraw money when needing to withdraw money; the ATM has a certain limit on the withdrawal limit of the bank card, namely, a user can not withdraw cash larger than the withdrawal limit of the bank card on the same day through one bank card.
When a user needs to withdraw a large amount of cash and a bank outlet is off duty, the user usually needs to hold a plurality of bank cards and withdraw the large amount of cash required by the user through the plurality of bank cards on the ATM. Therefore, when a user needs to withdraw a large amount of cash and a bank outlet is off duty, the operation of withdrawing money through a plurality of bank cards on the ATM is complicated, so that the user is poor in money withdrawing experience, and the safety of the plurality of bank cards is greatly reduced.
Disclosure of Invention
In view of this, embodiments of the present application provide a withdrawal limit borrowing method and a related apparatus based on an atm, when a user needs to withdraw a large amount of cash and a bank branch goes off duty, the user can withdraw the large amount of cash on the atm through a bank card, the withdrawal operation is simple, and the user withdrawal experience is greatly improved.
In a first aspect, an embodiment of the present application provides a method for borrowing a withdrawal limit based on an automatic teller machine, where the method includes:
when the withdrawal amount of a first user at a self-service teller machine is larger than the withdrawal limit of the current bank card of the first user on the same day, the bank website is off duty and the first user determines to withdraw money, a withdrawal limit borrowing prompt is displayed for the first user;
sending withdrawal limit borrowing information to a second user in response to a first withdrawal limit borrowing operation of the first user based on the withdrawal limit borrowing prompt; the withdrawal limit borrowing information comprises identity information of the first user and a first withdrawal limit borrowing amount selected by the first user;
determining a second withdrawal limit borrowing amount selected by the second user in response to a second withdrawal limit borrowing operation of the second user based on the withdrawal limit borrowing information; the second withdrawal limit borrowing amount is smaller than the withdrawal surplus amount of the bank card corresponding to the second user on the same day;
and adding the second withdrawal limit borrowing amount to the current bank card withdrawal limit of the first user in the current day.
Optionally, the determining step of the second user includes:
automatically inquiring target transfer users meeting preset withdrawal limit borrowing conditions from transfer users of the first user and displaying the target transfer users to the first user; the preset drawing limit borrowing conditions comprise preset transfer times conditions and preset drawing surplus conditions;
and responding to the selection operation of the first user to the target transfer user, and determining the second user.
Optionally, the determining step of the second user includes:
responding to the input operation of the user to be borrowed of the first user, and inquiring the withdrawal surplus of the bank card corresponding to the user to be borrowed in the same day;
and if the withdrawing residual amount of the bank card in the same day meets the preset withdrawing residual amount condition, determining the user to be borrowed as the second user.
Optionally, the sending of the withdrawal limit borrowing information to the second user includes:
if the terminal equipment of the second user is provided with a corresponding bank application program, the withdrawal limit borrowing information is sent to the second user through the bank application program;
and if the bank application program is not installed in the terminal equipment of the second user, sending the withdrawal limit borrowing information to the second user through a push link, and sending a download prompt of the bank application program to the second user.
Optionally, the second withdrawal limit borrowing operation based on the withdrawal limit borrowing information includes a withdrawal limit borrowing amount selecting operation based on the first withdrawal limit borrowing amount.
Optionally, the method further includes:
authenticating the first user in response to a first user authentication operation of the second user based on the withdrawal limit borrowing information;
correspondingly, the second withdrawal limit borrowing operation responding to the second user based on the withdrawal limit borrowing information determines a second withdrawal limit borrowing amount selected by the second user, and specifically includes:
and if the first user identity verification is successful, responding to a second withdrawal limit borrowing operation of the second user based on the withdrawal limit borrowing information, and determining a second withdrawal limit borrowing amount selected by the second user.
Optionally, the authentication includes shared key-based authentication and/or biometric feature-based authentication.
In a second aspect, an embodiment of the present application provides a withdrawal limit borrowing device based on an atm, the device including:
the display unit is used for displaying a withdrawal limit borrowing prompt to a first user when the withdrawal limit of the first user at the ATM is larger than the withdrawal limit of the first user on the same day, the bank website is off duty and the first user determines to withdraw money;
a sending unit configured to send withdrawal limit borrowing information to a second user in response to a first withdrawal limit borrowing operation by the first user based on the withdrawal limit borrowing prompt; the withdrawal limit borrowing information comprises identity information of the first user and a first withdrawal limit borrowing amount selected by the first user;
a determination unit configured to determine a second withdrawal limit borrowing amount selected by the second user in response to a second withdrawal limit borrowing operation by the second user based on the withdrawal limit borrowing information; the second withdrawal limit borrowing amount is smaller than the withdrawal surplus amount of the bank card corresponding to the second user on the same day;
and the adding unit is used for adding the second withdrawal limit borrowing amount to the current withdrawal limit of the first user on the current bank card.
In a third aspect, an embodiment of the present application provides a terminal device, where the terminal device includes a processor and a memory:
the memory is used for storing program codes and transmitting the program codes to the processor;
the processor is configured to execute the method for machine-based withdrawal limit borrowing according to any one of the first aspect above, according to instructions in the program code.
In a fourth aspect, embodiments of the present application provide a computer-readable storage medium storing program code for executing the method for borrowing a withdrawal limit based on an atm according to any one of the first aspect.
Compared with the prior art, the method has the advantages that:
by adopting the technical scheme of the embodiment of the application, the fact that the withdrawal amount of the first user in the ATM is larger than the withdrawal limit of the first user on the same day when the current bank card of the first user is judged, the bank outlet is off duty and the first user determines to withdraw money is judged, and a withdrawal limit borrowing prompt is displayed for the first user; after executing a first withdrawal limit borrowing operation based on the withdrawal limit borrowing prompt, the first user sends withdrawal limit borrowing information comprising identity information of the first user and a first withdrawal limit borrowing amount selected by the first user to the second user; after the second user executes a second withdrawal limit borrowing operation based on the withdrawal limit borrowing information, determining a second withdrawal limit borrowing amount selected by the second user; and adding the second withdrawal limit borrowing amount to the current bank card withdrawal limit of the first user on the same day. Therefore, when a user needs to draw a large amount of cash and a bank outlet is off duty, the user can borrow the withdrawal limit from other users through the self-service cash dispenser, after other users determine the withdrawal limit borrowing amount, the withdrawal limit of the user on the same day is increased through the bank card of the user, the large amount of cash required by the user can be drawn through one bank card on the self-service cash dispenser, the withdrawal operation is simple, and the withdrawal experience of the user is greatly improved.
Drawings
In order to more clearly illustrate the technical solutions of the embodiments of the present application, the drawings needed to be used in the description of the embodiments of the present application will be briefly described below, and it is obvious that the drawings in the following description are only some embodiments described in the present application, and it is obvious for those skilled in the art that other drawings can be obtained according to the drawings without creative efforts.
Fig. 1 is a schematic diagram of a system framework related to an application scenario in an embodiment of the present application;
fig. 2 is a schematic flowchart of a withdrawal limit borrowing method based on an atm according to an embodiment of the present disclosure;
fig. 3 is a schematic structural diagram of a withdrawal limit borrowing apparatus based on an atm according to an embodiment of the present application.
Detailed Description
In order to make the technical solutions of the present application better understood, 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.
The inventor finds through research that when a user needs to withdraw a large amount of cash and a bank outlet is off duty, a user generally needs to hold a plurality of bank cards, and the user needs to withdraw a large amount of cash through the plurality of bank cards on a self-service cash dispenser, so that the cash withdrawal operation is complex, the user is poor in money withdrawal experience, and the safety of the plurality of bank cards is greatly reduced.
In order to solve the problem, in the embodiment of the application, the fact that the withdrawal amount of the first user in the ATM is larger than the withdrawal limit of the first user on the same day is judged, the bank website is off duty, the first user determines to withdraw money is judged, and a withdrawal limit borrowing prompt is displayed for the first user; after executing a first withdrawal limit borrowing operation based on the withdrawal limit borrowing prompt, the first user sends withdrawal limit borrowing information comprising identity information of the first user and a first withdrawal limit borrowing amount selected by the first user to the second user; after the second user executes a second withdrawal limit borrowing operation based on the withdrawal limit borrowing information, determining a second withdrawal limit borrowing amount selected by the second user; and adding the second withdrawal limit borrowing amount to the current bank card withdrawal limit of the first user on the same day. Therefore, when a user needs to draw a large amount of cash and a bank outlet is off duty, the withdrawal limit can be borrowed to other users through the self-service cash dispenser, after other users determine the withdrawal limit borrowing amount, the withdrawal limit of the user on the same day is increased through a bank card of the user, the large amount of cash required by the user can be drawn through one bank card on the self-service cash dispenser, the withdrawal operation is simple, and the withdrawal experience of the user is greatly improved.
For example, one of the scenarios in the embodiment of the present application may be applied to the scenario shown in fig. 1, where the scenario includes an atm 101 and a background system 102 thereof, a first user interacts with the atm 101, the atm 101 interacts with the background system 102, and the background system 102 interacts with a second user, and the background system 102 adopts the implementation manner provided in the embodiment of the present application, and when the first user needs to withdraw a large amount of cash and a bank outlet is off duty, the first user can withdraw a large amount of cash on the atm 101 by using a bank card.
First, in the application scenario described above, although the actions of the embodiment provided by the embodiment of the present application are described as being performed by the backend system 102; the embodiments of the present application are not limited in terms of executing objects as long as the actions disclosed in the embodiments provided by the embodiments of the present application are performed.
Next, the above scenario is only one example of the scenario provided in the embodiment of the present application, and the embodiment of the present application is not limited to this scenario.
The following describes in detail a specific implementation of a withdrawal limit borrowing method based on an atm and a related apparatus according to an embodiment of the present application, with reference to the accompanying drawings.
Exemplary method
Referring to fig. 2, a flow chart of a withdrawal limit borrowing method based on an atm in the embodiment of the present application is shown. In this embodiment, the method may include, for example, the steps of:
step 201: and when the withdrawal amount of a first user at the ATM is larger than the withdrawal limit of the current bank card of the first user on the same day, the bank website is off duty and the first user determines to withdraw money, a withdrawal limit borrowing prompt is displayed for the first user.
In the embodiment of the application, when the withdrawal amount of the first user at the ATM is judged to be larger than the current withdrawal limit of the first user on the current bank card, the first user needs to withdraw a large amount of cash, and if the first user is judged to be off duty and the first user determines to withdraw money, the situation is that the first user needs to withdraw a large amount of cash and the first user is off duty. In order to solve the problems that in the prior art, a first user usually needs to hold a plurality of bank cards and draws a large amount of cash required by the user sequentially through the plurality of bank cards on an ATM, the withdrawing operation is complicated, the withdrawing experience of the user is poor, and the safety of the plurality of bank cards is greatly reduced; the first user is not required to be prompted to withdraw a large amount of cash required by the user through a plurality of bank cards, but is prompted to borrow the withdrawal limit from other users according to the current withdrawal limit of the bank card, namely, the withdrawal limit borrowing prompt is displayed for the first user.
Step 202: sending withdrawal limit borrowing information to a second user in response to a first withdrawal limit borrowing operation of the first user based on the withdrawal limit borrowing prompt; the withdrawal limit borrowing information includes identity information of the first user and a first withdrawal limit borrowing amount selected by the first user.
In the embodiment of the application, on the basis that the self-service teller machine displays the withdrawal limit borrowing prompt, the first user needs to determine other users with the borrowed withdrawal limit as second users, and then the first user performs a withdrawal limit borrowing operation through the self-service teller machine, which is called as a first withdrawal limit borrowing operation, so as to send withdrawal limit borrowing information to the second users. The withdrawal limit borrowing information needs to indicate the identity of the first user and also needs to indicate the withdrawal limit borrowing amount needed by the first user, and the withdrawal limit borrowing amount is called a first withdrawal limit borrowing amount; thus, the withdrawal limit borrowing information includes the identity information of the first user and the first withdrawal limit borrowing amount selected by the first user.
The determining step of the second user at least comprises the following two specific implementation modes:
in a first specific implementation manner, a background system of the automatic teller machine automatically queries and screens transfer users meeting preset withdrawal limit borrowing conditions from a plurality of transfer users of a first user as target transfer users, and displays the target transfer users to the first user through the automatic teller machine, so that the first user can select to determine a second user based on the target transfer users. The preset drawing limit borrowing condition can be set as a preset transfer number condition and a preset drawing surplus condition; the preset transfer times condition means that the transfer times are larger than the preset transfer times, such as 2 times, and the preset withdrawal surplus limit condition means that the withdrawal surplus limit is larger than the preset withdrawal surplus limit. Therefore, in an optional implementation manner of this embodiment of the present application, the determining step of the second user may include the following steps, for example:
step A: automatically inquiring target transfer users meeting preset withdrawal limit borrowing conditions from transfer users of the first user and displaying the target transfer users to the first user; the preset drawing limit borrowing conditions comprise preset transfer times conditions and preset drawing surplus conditions;
and B: and responding to the selection operation of the first user to the target transfer user, and determining the second user.
In a second specific embodiment, the first user automatically inputs a user who wants to perform the withdrawal limit borrowing as a user to be borrowed through the self-service teller machine based on the withdrawal limit borrowing prompt, a background system of the self-service teller machine needs to query a withdrawal residual amount of a bank card corresponding to the user to be borrowed on the same day, and the user to be borrowed can be determined as the second user only when the withdrawal residual amount of the bank card on the same day meets a preset withdrawal residual amount condition. The condition of the preset withdrawal surplus limit also means that the withdrawal surplus limit is larger than the preset withdrawal surplus limit. Therefore, in an optional implementation manner of this embodiment of the present application, the determining step of the second user may include the following steps, for example:
and C: responding to the input operation of the user to be borrowed of the first user, and inquiring the withdrawal surplus of the bank card corresponding to the user to be borrowed in the same day;
step D: and if the withdrawing residual amount of the bank card in the same day meets the preset withdrawing residual amount condition, determining the user to be borrowed as the second user.
In step 202, for the step of sending the withdrawal limit borrowing information to the second user, the terminal device of the second user may or may not have the corresponding bank application installed, and the two different situations are different in the manner of sending the withdrawal limit borrowing information to the second user. When the terminal device of the second user has installed the corresponding bank application program, it indicates that the second user can receive the bank related information through the bank application program, and the sending of the withdrawal limit borrowing information to the second user is actually the sending of the withdrawal limit borrowing information to the second user by the background system of the automatic teller machine through the bank application program. When the terminal device of the second user does not install the corresponding bank application program, it indicates that the second user cannot receive the bank related information through the bank application program, and then the sending of the withdrawal limit borrowing information to the second user can only be that the background system of the self-service cash dispenser sends the withdrawal limit borrowing information to the second user through the push link, and under the condition, the second user needs to be prompted to download the bank application program. Therefore, in an optional implementation manner of this embodiment of the present application, the step of sending the withdrawal limit borrowing information to the second user in step 202 may include the following steps, for example:
step 2021: if the terminal equipment of the second user is provided with a corresponding bank application program, the withdrawal limit borrowing information is sent to the second user through the bank application program;
step 2022: and if the bank application program is not installed in the terminal equipment of the second user, sending the withdrawal limit borrowing information to the second user through a push link, and sending a download prompt of the bank application program to the second user.
Step 203: determining a second withdrawal limit borrowing amount selected by the second user in response to a second withdrawal limit borrowing operation of the second user based on the withdrawal limit borrowing information; the second withdrawal limit borrowing amount is smaller than the withdrawal surplus amount of the bank card corresponding to the second user on the same day.
In the present embodiment, after sending the withdrawal limit borrowing information to the second user in step 202, the second user performs a withdrawal limit borrowing operation, referred to as a second withdrawal limit borrowing operation; that is, the second user needs to select a withdrawal limit borrowing amount, which is intended to be borrowed to the first user, based on the first withdrawal limit borrowing amount in the withdrawal limit borrowing information, to be referred to as a second withdrawal limit borrowing amount. Therefore, in an optional implementation manner of this embodiment of the present application, the second withdrawal limit borrowing operation based on the withdrawal limit borrowing information includes a withdrawal limit borrowing amount selecting operation based on the first withdrawal limit borrowing amount.
In an embodiment of the present application, after sending the withdrawal limit borrowing information to the second user at step 202, the second user may be unsure and suspicious of the identity information of the first user; in this case, the second user may also initiate authentication based on the identity information of the first user in the withdrawal limit borrowing information to authenticate the identity of the first user; only after the first user identity authentication is successful, the step 203 can be continuously executed to realize the determination of the second withdrawal limit amount borrowed by the second user. Therefore, in an optional implementation manner of the embodiment of the present application, between step 202 and step 203, for example, step a may further be included: authenticating the first user in response to a first user authentication operation of the second user based on the withdrawal limit borrowing information; correspondingly, the step 203 may specifically be, for example: and if the first user identity verification is successful, responding to a second withdrawal limit borrowing operation of the second user based on the withdrawal limit borrowing information, and determining a second withdrawal limit borrowing amount selected by the second user.
In the embodiment of the application, when the self-service teller machine background system performs identity authentication, a password authentication mode, a face authentication mode, a fingerprint authentication mode and the like can be adopted, and the identity authentication can be divided into two categories, namely identity authentication based on a shared key and identity authentication based on biological characteristics. Therefore, in an optional implementation manner of this embodiment of the present application, the authentication includes shared key-based authentication and/or biometric feature-based authentication.
Step 204: and adding the second withdrawal limit borrowing amount to the current bank card withdrawal limit of the first user in the current day.
In this embodiment of the application, after the step 203 determines that the second withdrawal limit borrowed amount selected by the second user is determined, it indicates that the second user borrowes the second withdrawal limit borrowed amount to the first user, that is, the first user successfully borrows the second withdrawal limit to the second user, and then the second withdrawal limit borrowed amount needs to be added to the current withdrawal limit of the current bank card of the first user on the current bank card, so that the current withdrawal limit of the current bank card of the first user is increased, so that the first user can extract a large amount of cash required by the first user on the self-service cash dispenser by using the current bank card, the withdrawal operation is simple, and the withdrawal experience of the first user is greatly improved.
Through various implementation manners provided by the embodiment, the fact that the withdrawal limit of the first user at the ATM is larger than the withdrawal limit of the first user on the same day, the first user is off duty at a bank website and determines to withdraw money is judged, and a withdrawal limit borrowing prompt is displayed to the first user; after executing a first withdrawal limit borrowing operation based on the withdrawal limit borrowing prompt, the first user sends withdrawal limit borrowing information comprising identity information of the first user and a first withdrawal limit borrowing amount selected by the first user to the second user; after the second user executes a second withdrawal limit borrowing operation based on the withdrawal limit borrowing information, determining a second withdrawal limit borrowing amount selected by the second user; and adding the second withdrawal limit borrowing amount to the current bank card withdrawal limit of the first user on the same day. Therefore, when a user needs to draw a large amount of cash and a bank outlet is off duty, the withdrawal limit can be borrowed to other users through the self-service cash dispenser, after other users determine the withdrawal limit borrowing amount, the withdrawal limit of the user on the same day is increased through a bank card of the user, the large amount of cash required by the user can be drawn through one bank card on the self-service cash dispenser, the withdrawal operation is simple, and the withdrawal experience of the user is greatly improved.
Exemplary devices
Referring to fig. 3, a schematic structural diagram of a withdrawal limit borrowing device based on an atm in the embodiment of the present application is shown. In this embodiment, the apparatus may specifically include:
the display unit 301 is configured to display a withdrawal limit borrowing prompt to a first user when a withdrawal limit of the first user at an atm is greater than a current withdrawal limit of a first user on the same day, the first user is off duty at a bank website and the first user determines to withdraw money;
a sending unit 302 configured to send withdrawal limit borrowing information to a second user in response to a first withdrawal limit borrowing operation by the first user based on the withdrawal limit borrowing prompt; the withdrawal limit borrowing information comprises identity information of the first user and a first withdrawal limit borrowing amount selected by the first user;
a determination unit 303 configured to determine a second withdrawal limit borrowed amount selected by the second user in response to a second withdrawal limit borrowing operation by the second user based on the withdrawal limit borrowing information; the second withdrawal limit borrowing amount is smaller than the withdrawal surplus amount of the bank card corresponding to the second user on the same day;
an adding unit 304, configured to add the second withdrawal limit borrowing amount to the current withdrawal limit of the first user on the current bank card of the first user.
In an optional implementation manner of the embodiment of the present application, the apparatus further includes a second user determination unit, where the second user determination unit includes:
the first display subunit is used for automatically inquiring target account transfer users meeting preset withdrawal limit borrowing conditions from the account transfer users of the first user and displaying the target account transfer users to the first user; the preset drawing limit borrowing conditions comprise preset transfer times conditions and preset drawing surplus conditions;
and the first determining subunit is used for responding to the selection operation of the first user on the target transfer user and determining the second user.
In an optional implementation manner of the embodiment of the present application, the second user determination unit includes:
the inquiring subunit is used for responding to the input operation of the user to be borrowed of the first user and inquiring the withdrawal surplus of the bank card corresponding to the user to be borrowed in the same day;
and the second determining subunit is used for determining the user to be borrowed as the second user if the withdrawal surplus limit of the bank card meets the condition of the preset withdrawal surplus limit.
In an optional implementation manner of this embodiment of this application, the sending unit 302 includes:
a first sending subunit, configured to send the withdrawal limit borrowing information to the second user through a corresponding bank application program if the corresponding bank application program is installed in the terminal device of the second user;
and the second sending subunit is configured to send the withdrawal limit borrowing information to the second user through a push link if the bank application is not installed in the terminal device of the second user, and send a download prompt of the bank application to the second user.
In an optional implementation manner of the embodiment of the present application, the second withdrawal limit borrowing operation based on the withdrawal limit borrowing information includes a withdrawal limit borrowing amount selecting operation based on the first withdrawal limit borrowing amount.
In an optional implementation manner of the embodiment of the present application, the apparatus further includes:
a verification unit configured to perform authentication of the first user in response to a first user authentication operation of the second user based on the withdrawal limit borrowing information;
correspondingly, the determining unit 303 is specifically configured to:
and if the first user identity verification is successful, responding to a second withdrawal limit borrowing operation of the second user based on the withdrawal limit borrowing information, and determining a second withdrawal limit borrowing amount selected by the second user.
In an optional implementation manner of the embodiment of the present application, the authentication includes shared key-based authentication and/or biometric feature-based authentication.
Through various implementation manners provided by the embodiment, the fact that the withdrawal limit of the first user at the ATM is larger than the withdrawal limit of the first user on the same day, the first user is off duty at a bank website and determines to withdraw money is judged, and a withdrawal limit borrowing prompt is displayed to the first user; after executing a first withdrawal limit borrowing operation based on the withdrawal limit borrowing prompt, the first user sends withdrawal limit borrowing information comprising identity information of the first user and a first withdrawal limit borrowing amount selected by the first user to the second user; after the second user executes a second withdrawal limit borrowing operation based on the withdrawal limit borrowing information, determining a second withdrawal limit borrowing amount selected by the second user; and adding the second withdrawal limit borrowing amount to the current bank card withdrawal limit of the first user on the same day. Therefore, when a user needs to draw a large amount of cash and a bank outlet is off duty, the withdrawal limit can be borrowed to other users through the self-service cash dispenser, after other users determine the withdrawal limit borrowing amount, the withdrawal limit of the user on the same day is increased through a bank card of the user, the large amount of cash required by the user can be drawn through one bank card on the self-service cash dispenser, the withdrawal operation is simple, and the withdrawal experience of the user is greatly improved.
In addition, an embodiment of the present application further provides a terminal device, where the terminal device includes a processor and a memory:
the memory is used for storing program codes and transmitting the program codes to the processor;
the processor is configured to execute the ATM-based withdrawal limit borrowing method according to the above method embodiments according to instructions in the program code.
The embodiment of the application also provides a computer-readable storage medium, which is used for storing program codes, wherein the program codes are used for executing the method for borrowing the withdrawal limit amount based on the self-service cash dispenser.
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. For the embodiment disclosing device, the description is relatively simple because the embodiment disclosing device corresponds to the embodiment disclosing method, and the relevant part can be referred to the method part for description.
Those of skill would further appreciate that the various illustrative elements and algorithm steps described in connection with the embodiments disclosed herein may be implemented as electronic hardware, computer software, or combinations of both, and that the various illustrative components and steps have been described above generally in terms of their functionality in order to clearly illustrate this interchangeability of hardware and software. Whether such functionality is implemented as hardware or software depends upon the particular application and design constraints imposed on the implementation. Skilled artisans may implement the described functionality in varying ways for each particular application, but such implementation decisions should not be interpreted as causing a departure from the scope of the present application.
It is 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. 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 foregoing is merely a preferred embodiment of the present application and is not intended to limit the present application in any way. Although the present application has been described with reference to the preferred embodiments, it is not intended to limit the present application. Those skilled in the art can now make numerous changes and modifications to the disclosed embodiments, or modify equivalent embodiments, without departing from the scope of the claimed embodiments, utilizing the teachings and teachings set forth above. Therefore, any simple modification, equivalent change and modification made to the above embodiments according to the technical essence of the present application still fall within the protection scope of the technical solution of the present application without departing from the content of the technical solution of the present application.
Claims (10)
1. A withdrawal limit borrowing method based on an atm, comprising:
when the withdrawal amount of a first user at a self-service teller machine is larger than the withdrawal limit of the current bank card of the first user on the same day, the bank website is off duty and the first user determines to withdraw money, a withdrawal limit borrowing prompt is displayed for the first user;
sending withdrawal limit borrowing information to a second user in response to a first withdrawal limit borrowing operation of the first user based on the withdrawal limit borrowing prompt; the withdrawal limit borrowing information comprises identity information of the first user and a first withdrawal limit borrowing amount selected by the first user;
determining a second withdrawal limit borrowing amount selected by the second user in response to a second withdrawal limit borrowing operation of the second user based on the withdrawal limit borrowing information; the second withdrawal limit borrowing amount is smaller than the withdrawal surplus amount of the bank card corresponding to the second user on the same day;
and adding the second withdrawal limit borrowing amount to the current bank card withdrawal limit of the first user in the current day.
2. The method of claim 1, wherein the determining step of the second user comprises:
automatically inquiring target transfer users meeting preset withdrawal limit borrowing conditions from transfer users of the first user and displaying the target transfer users to the first user; the preset drawing limit borrowing conditions comprise preset transfer times conditions and preset drawing surplus conditions;
and responding to the selection operation of the first user to the target transfer user, and determining the second user.
3. The method of claim 1, wherein the determining step of the second user comprises:
responding to the input operation of the user to be borrowed of the first user, and inquiring the withdrawal surplus of the bank card corresponding to the user to be borrowed in the same day;
and if the withdrawing residual amount of the bank card in the same day meets the preset withdrawing residual amount condition, determining the user to be borrowed as the second user.
4. The method of claim 1, wherein sending the withdrawal limit borrowing information to the second user comprises:
if the terminal equipment of the second user is provided with a corresponding bank application program, the withdrawal limit borrowing information is sent to the second user through the bank application program;
and if the bank application program is not installed in the terminal equipment of the second user, sending the withdrawal limit borrowing information to the second user through a push link, and sending a download prompt of the bank application program to the second user.
5. The method of claim 1, wherein said second withdrawal limit borrowing operation based on said withdrawal limit borrowing information comprises a withdrawal limit borrowing credit line selection operation based on said first withdrawal limit borrowing credit line.
6. The method of claim 1, further comprising:
authenticating the first user in response to a first user authentication operation of the second user based on the withdrawal limit borrowing information;
correspondingly, the second withdrawal limit borrowing operation responding to the second user based on the withdrawal limit borrowing information determines a second withdrawal limit borrowing amount selected by the second user, and specifically includes:
and if the first user identity verification is successful, responding to a second withdrawal limit borrowing operation of the second user based on the withdrawal limit borrowing information, and determining a second withdrawal limit borrowing amount selected by the second user.
7. The method according to claim 6, wherein the authentication comprises a shared key based authentication and/or a biometric based authentication.
8. A withdrawal limit borrowing apparatus based on an atm, comprising:
the display unit is used for displaying a withdrawal limit borrowing prompt to a first user when the withdrawal limit of the first user at the ATM is larger than the withdrawal limit of the first user on the same day, the bank website is off duty and the first user determines to withdraw money;
a sending unit configured to send withdrawal limit borrowing information to a second user in response to a first withdrawal limit borrowing operation by the first user based on the withdrawal limit borrowing prompt; the withdrawal limit borrowing information comprises identity information of the first user and a first withdrawal limit borrowing amount selected by the first user;
a determination unit configured to determine a second withdrawal limit borrowing amount selected by the second user in response to a second withdrawal limit borrowing operation by the second user based on the withdrawal limit borrowing information; the second withdrawal limit borrowing amount is smaller than the withdrawal surplus amount of the bank card corresponding to the second user on the same day;
and the adding unit is used for adding the second withdrawal limit borrowing amount to the current withdrawal limit of the first user on the current bank card.
9. A terminal device, comprising a processor and a memory:
the memory is used for storing program codes and transmitting the program codes to the processor;
the processor is configured to execute the ATM-based withdrawal limit borrowing method of any one of claims 1-7 in accordance with instructions in the program code.
10. A computer-readable storage medium storing program code for executing the method for borrowing a withdrawal limit amount based on an atm according to any one of claims 1 to 7.
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