CN112101605A - Method and device for reserving withdrawal, electronic equipment and computer storage medium - Google Patents

Method and device for reserving withdrawal, electronic equipment and computer storage medium Download PDF

Info

Publication number
CN112101605A
CN112101605A CN202011040212.4A CN202011040212A CN112101605A CN 112101605 A CN112101605 A CN 112101605A CN 202011040212 A CN202011040212 A CN 202011040212A CN 112101605 A CN112101605 A CN 112101605A
Authority
CN
China
Prior art keywords
withdrawal
information
current user
account
verification
Prior art date
Legal status (The legal status is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the status listed.)
Pending
Application number
CN202011040212.4A
Other languages
Chinese (zh)
Inventor
胡路苹
吴沅宣
Current Assignee (The listed assignees may be inaccurate. Google has not performed a legal analysis and makes no representation or warranty as to the accuracy of the list.)
Bank of China Ltd
Original Assignee
Bank of China Ltd
Priority date (The priority date is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the date listed.)
Filing date
Publication date
Application filed by Bank of China Ltd filed Critical Bank of China Ltd
Priority to CN202011040212.4A priority Critical patent/CN112101605A/en
Publication of CN112101605A publication Critical patent/CN112101605A/en
Pending legal-status Critical Current

Links

Images

Classifications

    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q10/00—Administration; Management
    • G06Q10/02—Reservations, e.g. for tickets, services or events
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06F—ELECTRIC DIGITAL DATA PROCESSING
    • G06F18/00—Pattern recognition
    • G06F18/20—Analysing
    • G06F18/22—Matching criteria, e.g. proximity measures
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/08—Payment architectures
    • G06Q20/18—Payment architectures involving self-service terminals [SST], vending machines, kiosks or multimedia terminals
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
    • G06Q20/401—Transaction verification
    • G06Q20/4014—Identity check for transactions
    • G06Q20/40145—Biometric identity checks
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
    • G06Q40/02—Banking, e.g. interest calculation or account maintenance
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06V—IMAGE OR VIDEO RECOGNITION OR UNDERSTANDING
    • G06V20/00—Scenes; Scene-specific elements
    • G06V20/60—Type of objects
    • G06V20/62—Text, e.g. of license plates, overlay texts or captions on TV images
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06V—IMAGE OR VIDEO RECOGNITION OR UNDERSTANDING
    • G06V30/00—Character recognition; Recognising digital ink; Document-oriented image-based pattern recognition
    • G06V30/10—Character recognition

Landscapes

  • Engineering & Computer Science (AREA)
  • Business, Economics & Management (AREA)
  • Theoretical Computer Science (AREA)
  • Accounting & Taxation (AREA)
  • General Physics & Mathematics (AREA)
  • Physics & Mathematics (AREA)
  • General Business, Economics & Management (AREA)
  • Finance (AREA)
  • Strategic Management (AREA)
  • Economics (AREA)
  • Development Economics (AREA)
  • Marketing (AREA)
  • Tourism & Hospitality (AREA)
  • Data Mining & Analysis (AREA)
  • Evolutionary Biology (AREA)
  • Technology Law (AREA)
  • General Engineering & Computer Science (AREA)
  • Evolutionary Computation (AREA)
  • Computer Vision & Pattern Recognition (AREA)
  • Bioinformatics & Computational Biology (AREA)
  • Bioinformatics & Cheminformatics (AREA)
  • Multimedia (AREA)
  • Artificial Intelligence (AREA)
  • Life Sciences & Earth Sciences (AREA)
  • Entrepreneurship & Innovation (AREA)
  • Human Resources & Organizations (AREA)
  • Operations Research (AREA)
  • Quality & Reliability (AREA)
  • Computer Security & Cryptography (AREA)
  • Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)

Abstract

The application discloses a method and a device for reserving withdrawal, electronic equipment and a computer storage medium, wherein the method comprises the following steps: acquiring user information of a current user and a withdrawal account input by the current user; verifying a corporate representative of the withdrawal account based on the user information; if the payment is confirmed to pass the verification, outputting a withdrawal electronic contract template on a user interface; acquiring reservation information input by a current user on a withdrawal electronic contract template; the reservation information at least comprises account information of the withdrawal account and reserved withdrawal amount; generating and storing a withdrawal electronic contract by using the reservation information; generating withdrawal verification information and determining address information of a cash dispenser which reserves withdrawal; wherein, the withdrawal verification information is used for getting the reserved withdrawal amount in the cash dispenser; and feeding back the verification information and the address information of the cash dispenser to the current user. Therefore, the method for reserving the withdrawal is realized, and the withdrawal with large amount can be further carried out at the cash dispenser.

Description

Method and device for reserving withdrawal, electronic equipment and computer storage medium
Technical Field
The present application relates to the field of reservation information processing technologies, and in particular, to a method and an apparatus for reserving money withdrawal, an electronic device, and a computer storage medium.
Background
A public account opened to a public customer is typically used for commercial transactions, so not only is a large amount stored in the public account, but also withdrawal from the public account is typically a large amount of money.
In order to prevent others from embezzlement of a large amount of money in a user account through an Automatic Teller Machine (ATM) in a day, or when a user withdraws money from the ATM, the user is held and the user is required to receive a large amount of money for the user. Therefore, in the existing banking system, not only the maximum amount of money to be drawn by one account at each ATM is set, but also the maximum amount of money to be drawn by one account at each ATM every day is set.
The existing system sets the mode of drawing the maximum amount at the ATM every day, and has little influence on the drawing of the ordinary personal account. However, because the existing manner of drawing money amounts is the same for each account, and the set money amount is relatively small, the maximum money amount that one account can draw money per day is generally set to be twenty thousand. Therefore, the public account is greatly influenced when the public account is frequently used for withdrawing money with a large amount, and the money cannot be withdrawn with a large amount when a bank outlet is not in business hours or is inconvenient to withdraw when the bank outlet is relatively far away because the public account does not have the authority of withdrawing money with a large amount on an ATM.
Disclosure of Invention
Based on the above deficiencies of the prior art, the present application provides a method and an apparatus for reserving a withdrawal, an electronic device, and a computer storage medium, so as to solve the problem that the withdrawal is completely limited to the maximum withdrawal amount when the withdrawal is performed on a cash dispenser in the prior art.
In order to achieve the above object, the present application provides the following technical solutions:
a first aspect of the present application provides a method of reserving a withdrawal, including:
acquiring user information of a current user and a withdrawal account input by the current user;
verifying a corporate representative of the withdrawal account based on the user information;
if the legal representative who passes the withdrawal account is confirmed to be verified, outputting a withdrawal electronic contract template on a user interface;
acquiring reservation information input by the current user on the withdrawal electronic contract template, wherein the reservation information at least comprises account information of the withdrawal account and a reserved withdrawal amount;
generating and storing a withdrawal electronic contract by using the reservation information;
generating withdrawal verification information and determining address information of a cash dispenser which reserves withdrawal; wherein the withdrawal verification information is used for receiving the reserved withdrawal amount in the cash dispenser;
and feeding back the verification information and the address information of the cash dispenser to the current user.
Optionally, in the method for reserving a withdrawal, the verifying a corporate representative of the withdrawal account based on the user information includes:
calling legal representative information corresponding to the withdrawal account;
comparing the representative information of the legal person with the user information of the current user, and judging whether the current user is a legal person representative of the withdrawal account;
if the current user is judged not to be the legal representative of the withdrawal account, prompting the current user to upload specified verification information of the legal representative of the withdrawal account;
acquiring the specified verification information uploaded by the current user, and auditing the specified verification information;
and if the current user is judged to be the representative of the legal person of the withdrawal account or the designated verification information passes the verification, determining that the representative of the legal person of the withdrawal account passes the verification.
Optionally, in the method for reserving a withdrawal, the acquiring the designated verification information uploaded by the user and checking the designated verification information includes:
acquiring a scanning piece of an identity card represented by a legal person of the withdrawal account, a scanning piece of an enterprise certificate and a seal picture which are uploaded by the current user according to an uploading material prompt displayed on a user interface; the seal picture is a picture of a personal seal represented by the legal person or a picture of a financial seal of an enterprise to which the legal person represents;
identifying the identity card scanning piece and the enterprise certificate scanning piece based on an optical character recognition technology to obtain the information of the identity card and the information of the enterprise certificate;
respectively comparing the information of the identity card and the information of the enterprise certificate with corresponding pre-stored information, and comparing the seal picture with a pre-stored corresponding seal picture;
and if the information of the identity card and the information of the enterprise certificate are consistent with the corresponding pre-stored information, and the similarity between the stamp picture and the pre-stored corresponding stamp picture is greater than a preset threshold value, determining that the specified verification information passes the verification.
Optionally, in the method for reserved withdrawal, the withdrawal verification information includes a dynamic withdrawal password and a verification code, where: after the verification information and the address information of the cash dispenser are fed back to the current user, the method further comprises the following steps:
and updating the dynamic withdrawal password at regular time, and feeding back the updated dynamic withdrawal password to the current user through the contact way of the current user.
A second aspect of the present application provides an apparatus for reserving a withdrawal, comprising:
the system comprises a first acquisition unit, a second acquisition unit and a payment processing unit, wherein the first acquisition unit is used for acquiring user information of a current user and a withdrawal account input by the current user;
the identity authentication unit is used for authenticating a legal representative of the withdrawal account based on the user information;
the output unit is used for outputting a withdrawal electronic contract template on a user interface if the representative verification of the legal person passing the withdrawal account is determined;
a second obtaining unit, configured to obtain reservation information input by the current user on the withdrawal electronic contract template, where the reservation information at least includes account information of the withdrawal account and a reserved withdrawal amount;
a first generation unit configured to generate and store a withdrawal electronic contract using the reservation information;
a second generation unit for generating withdrawal verification information and determining address information of a cash dispenser which reserves withdrawal; wherein the withdrawal verification information is used for receiving the reserved withdrawal amount in the cash dispenser;
and the feedback unit is used for feeding back the verification information and the address information of the cash dispenser to the current user.
Optionally, in the apparatus for reserving a withdrawal, the authentication unit includes:
the calling unit is used for calling legal representative information corresponding to the withdrawal account;
the first comparison unit is used for comparing the representative information of the legal person with the user information of the current user and judging whether the current user is a legal person representative of the withdrawal account or not;
the prompting unit is used for prompting the current user to upload specified verification information of the legal representative of the withdrawal account when the first comparison unit judges that the current user is not the legal representative of the withdrawal account;
the auditing unit is used for acquiring the specified verification information uploaded by the current user and auditing the specified verification information;
and the first determining unit is used for determining that the representative of the legal person who passes the withdrawal account is verified when the first comparing unit judges that the current user is the representative of the legal person who passes the withdrawal account or the verifying unit determines that the specified verification information passes the verification.
Optionally, in the device for reserving withdrawal, the auditing unit includes:
a third obtaining unit, configured to obtain a scanned piece of an identity card represented by a legal person of the withdrawal account, a scanned piece of an enterprise certificate, and a stamp picture, which are uploaded by the current user according to an upload material prompt displayed on a user interface; the seal picture is a picture of a personal seal represented by the legal person or a picture of a financial seal of an enterprise to which the legal person represents;
the identification unit is used for identifying the identity card scanning piece and the enterprise certificate scanning piece based on an optical character recognition technology to obtain the information of the identity card and the information of the enterprise certificate;
the second comparison unit is used for comparing the information of the identity card and the information of the enterprise certificate with corresponding pre-stored information and comparing the seal picture with a pre-stored corresponding seal picture respectively;
and the second determining unit is used for determining that the specified verification information passes the audit when the information of the identity card and the information of the enterprise certificate which are compared by the second comparing unit are consistent with the corresponding pre-stored information and the similarity between the seal picture and the pre-stored corresponding seal picture is greater than a preset threshold value.
Optionally, the apparatus for reserving withdrawal further includes:
the updating unit is used for updating the dynamic withdrawal password at regular time and feeding back the updated dynamic withdrawal password to the current user through the contact way of the current user; wherein the withdrawal verification information includes the dynamic withdrawal password and a verification code.
A third aspect of the present application provides an electronic device comprising:
a memory and a processor;
wherein the memory is used for storing programs;
the processor is configured to execute the program, and when executed, the program is specifically configured to implement the method for reserving a withdrawal as described in any of the above.
A fourth aspect of the present application provides a computer storage medium storing a computer program which, when executed, is operable to implement a method of reserving a withdrawal as claimed in any one of the preceding claims.
According to the withdrawal reservation method, user information of a current user and a withdrawal account input by the current user are obtained, then a legal person representative of the withdrawal account is verified based on the user information, the legal person representative of the withdrawal account is confirmed to pass the verification, a withdrawal electronic contract template is output on a user interface, and reservation information input by the current user on the withdrawal electronic contract template is obtained. The reservation information at least comprises account information of the withdrawal account and reserved withdrawal amount; then, the electronic withdrawal contract is generated and stored by utilizing the reservation information, withdrawal verification information is generated, address information of a withdrawal machine which reserves the withdrawal is determined, and the address information is fed back to the current user; the withdrawal verification information is used for drawing reserved withdrawal money in the cash dispenser. Therefore, the method realizes that large-amount money can be withdrawn on the cash dispenser in a reservation mode, the safety of withdrawing money on the cash dispenser is ensured, and the method is not limited by the set maximum money withdrawal amount.
Drawings
In order to more clearly illustrate the embodiments of the present application or the technical solutions in the prior art, the drawings needed to be used in the description of the embodiments or the prior art will be briefly introduced below, it is obvious that the drawings in the following description are only embodiments of the present application, and for those skilled in the art, other drawings can be obtained according to the provided drawings without creative efforts.
Fig. 1 is a schematic flowchart of a method for reserving a withdrawal according to an embodiment of the present disclosure;
fig. 2 is a schematic flowchart of a method for identity verification of a legal representative according to an embodiment of the present disclosure;
fig. 3 is a schematic flowchart of a method for auditing specified verification information according to an embodiment of the present application;
fig. 4 is a schematic structural diagram of a device for reserving a withdrawal according to another embodiment of the present application;
fig. 5 is a schematic structural diagram of an authentication unit according to another embodiment of the present application;
fig. 6 is a schematic structural diagram of an audit unit according to another embodiment of the present application;
fig. 7 is a schematic structural diagram of an electronic device according to another embodiment of the present application.
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.
In this application, 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 embodiment of the application provides a method for reserving withdrawal, which specifically comprises the following steps as shown in fig. 1:
s101, obtaining user information of a current user and a withdrawal account input by the current user.
Specifically, the user may log in the client, for example, log in a mobile banking, and then input the user withdrawal account information in the reserved withdrawal service module, at this time, the withdrawal account input by the current user is correspondingly acquired. For the user information of the user, the user information associated with the account may be called according to information such as an account number logged in by the user at the client, so as to obtain the user information, for example, the user information of the user may be called from a bank system. Of course, the personal information entered by the user at the time of registration may be directly acquired. The user information of the current user may include information such as an identification number and a name of the user.
And S102, verifying the legal representative of the withdrawal account based on the user information.
It should be noted that the owner of the public account is usually a corporate representative of the corresponding enterprise or store, but is not limited to the corporate representative to bind the public account through the client, for example, an accounting person of a company who usually uses the account is the public account. In order to be able to determine the security, it is therefore necessary to authenticate the legal representative of the withdrawal account on the basis of the user information.
Optionally, as shown in fig. 2, a specific implementation of step S102 is shown, which specifically includes the following steps:
s201, calling legal representative information corresponding to the withdrawal account.
Specifically, the information that the representative of the legal person is required to provide when opening the withdrawal account is called, for example, the personal identification card, the name, the enterprise information of the enterprise to which the representative of the legal person belongs, and the like.
S202, comparing the representative information of the legal person with the user information of the current user, and judging whether the current user is the legal person representative of the withdrawal account.
Specifically, the personal information in the representative information of the legal person may be compared with the user information of the current user, and if the information is consistent, it is determined that the current user is a legal person representative of the withdrawal account, which is equivalent to the issuer making a withdrawal reservation, so that step S206 is executed at this time. If it is determined that the current user is not a legal representative of the withdrawal account, further verification is required for security, and step S203 is executed.
And S203, prompting the current user to upload designated verification information of a legal representative of the withdrawal account.
Optionally, the user interface may prompt the current user to upload the designated verification information of the legal representative of the withdrawal account, and certainly, the prompt may be performed in other manners such as voice or short message.
Wherein the designated authentication information refers to information that may be used to validate a corporate representation of the withdrawal account, such as an identification card scanner or the like. Also, one or more pieces of the specified authentication information may be specified. It should be noted that, for specifying the authentication information, information for performing the comparative authentication corresponding to the authentication information should be stored in advance, and the information stored in advance generally refers to information provided when a representative of a legal person who withdraws the account opens the account.
And S204, acquiring the specified verification information uploaded by the current user, and auditing the specified verification information.
Specifically, the current user uploads the specified verification information according to the prompt, at this time, the specified verification information uploaded by the user is correspondingly obtained, and then the stored information and the corresponding specified verification information are compared and audited.
Alternatively, as shown in fig. 3, a specific implementation of step S204 is shown. As shown in fig. 3, the method specifically includes the following steps:
s301, obtaining the scanning piece of the identity card represented by the legal person of the uploaded withdrawal account, the scanning piece of the enterprise certificate and the seal picture of the current user according to the uploading material prompt displayed on the user interface.
That is to say, in the embodiment of the present application, the specified verification information is a scanned part of an identity card represented by a legal person, a scanned part of an enterprise certificate of an enterprise to which the legal person represents, and a stamp picture. The seal picture is a picture of a personal seal represented by a legal person or a picture of a financial seal of an enterprise to which the legal person represents, specifically, if the personal seal is provided during account opening, the picture of the personal seal is obtained, and if the financial seal is provided during account opening, the picture of the financial seal of the enterprise is obtained.
S302, identifying the identity card scanning piece and the enterprise certificate scanning piece based on an optical character identification technology to obtain identity card information and enterprise certificate information.
Because the user is required to fill in the information of the identity card or the enterprise certificate in the registration process of a plurality of clients and under certain application scenes, the information of the identity card and the information of the enterprise certificate are relatively easy to be acquired by others. However, the scanning part of the identity card and the scanning part of the enterprise certificate are usually obtained only by scanning the original document, so that the embodiment of the application does not require the current user to directly input the information of the identity card or the information of the enterprise certificate, and the current user needs to upload the scanning part of the identity card and the scanning part of the enterprise certificate, so as to effectively ensure the security. Then, the identity card scanning piece and the enterprise certificate scanning piece are identified based on an Optical Character Recognition (OCR) technology, so that the information of the identity card and the information of the enterprise certificate are obtained.
S303, comparing the information of the identity card and the information of the enterprise certificate with corresponding pre-stored information, and comparing the stamp picture with the pre-stored corresponding stamp picture.
Specifically, the information of the identity card obtained through identification is compared with the information of a legal representative of a pre-stored withdrawal account, the information of the enterprise certificate obtained through identification is compared with the enterprise information provided by the legal representative of the pre-stored withdrawal account, and whether the information of the identity card and the information of the enterprise certificate are consistent with the corresponding pre-stored information or not is verified.
Optionally, the similarity between the stamp picture uploaded by the current user and the pre-stored corresponding stamp picture can be calculated through a trained neural network by adopting the same principle as the face recognition technology.
S304, whether the information of the identity card and the information of the enterprise certificate are consistent with the corresponding pre-stored information or not and whether the similarity between the stamp picture and the pre-stored corresponding stamp picture is larger than a preset threshold value or not is judged.
If the information of the identity card and the information of the enterprise certificate are judged to be consistent with the corresponding pre-stored information, and the similarity between the stamp picture and the pre-stored corresponding stamp picture is greater than the preset threshold value, step S305 is executed.
S305, determining that the specified verification information passes the audit.
It should be noted that, after it is determined that the specified verification information passes the audit, step S205 is executed.
S205, judging whether the specified verification information passes the verification.
If it is determined that the designated verification information uploaded by the current user is consistent with the corresponding designated verification information, it is determined that the designated verification information passes the audit, and at this time, step S206 is executed.
And S206, determining that the legal representative passes the withdrawal account for verification.
And S103, if the legal representative who passes the withdrawal account is confirmed to be verified, outputting a withdrawal electronic contract template on a user interface.
Specifically, the withdrawal electronic contract template includes a plurality of contract rules and a plurality of fields to be filled in, and the user needs to input corresponding reservation information in each field to be filled in.
S104, obtaining reservation information input by a current user on the withdrawal electronic contract template, wherein the reservation information at least comprises account information of a withdrawal account and a reserved withdrawal amount.
Of course, the reservation information may also include information such as contact information, reserved withdrawal time, and personal information of the current user.
And S105, generating and storing the withdrawal electronic contract by using the reservation information.
Specifically, the reservation information is substituted into a corresponding field to be filled in the withdrawal electronic contract template, so that a complete withdrawal electronic contract is generated.
And S106, generating withdrawal verification information and determining address information of the cash dispenser reserving withdrawal, wherein the withdrawal verification information is used for receiving the reserved withdrawal amount in the cash dispenser.
Note that the withdrawal information generated for different withdrawal reservations is different, and the withdrawal generated can be used only once, and the withdrawal verification information is automatically invalidated after the withdrawal is used. Optionally, if the reserved withdrawal time is included in the reserved information, the generated withdrawal verification information may be further provided with timeliness, that is, the withdrawal verification information will be automatically invalidated after the specified time is exceeded. The withdrawal verification information may include a dynamic withdrawal password and a verification code, such as a mobile phone verification code.
Alternatively, the determination of the cash dispenser reserving the withdrawal may be that after the user inputs the starting address and the withdrawal address, the system selects the cash dispenser with the optimal route from the cash dispensers in the specified range of the address according to the route from the starting address to the cash dispensers, and determines the address information, the serial number and other information of the cash dispenser to feed back to the user. Of course, the cash machine may be determined in other ways, for example, by a user inputting a cash withdrawal address, and then the system searches and displays all cash machines within a certain range of the cash withdrawal address through a map to provide the user with a choice. When the user selects the cash dispenser, the address information and other related information of the cash dispenser are sent to the user.
Optionally, when the current user withdraws money from the determined cash dispenser, the dynamic password and the verification code may be input for verification, and after the verification is passed, the same reservation information as the electronic closing for withdrawal may be displayed to the user. When the user determines to withdraw money, identity recognition is carried out on the user, specifically face recognition or iris recognition and the like, and after the current user passes identity verification and accurately inputs a password, money with the reserved withdrawal amount is output to the current user.
And S107, feeding back the verification information and the address information of the cash dispenser to the current user.
Optionally, the withdrawal verification information includes a dynamic withdrawal password and a verification code, and after the verification information and address information of the cash dispenser are fed back to the current user, the following steps may be further performed: and updating the dynamic withdrawal password at regular time, and feeding back the updated dynamic withdrawal password to the current user through the contact way of the current user.
In order to further ensure the security, the dynamic withdrawal password generates a new dynamic withdrawal password at regular time before the current user is not used for withdrawal, so that the previous dynamic withdrawal password is updated and fed back to the current user. When withdrawing money, the current user must use the latest dynamic withdrawal password to withdraw money.
According to the method for reserving withdrawal provided by the embodiment of the application, the user information of the current user and the withdrawal account input by the current user are obtained, then the representative of the legal person who withdraws the account is verified based on the user information, the representative of the legal person who withdraws the account is confirmed to be verified, a withdrawal electronic contract template is output on a user interface, and the reservation information input by the current user on the withdrawal electronic contract template is obtained. The reservation information at least comprises account information of the withdrawal account and reserved withdrawal amount; then, the electronic withdrawal contract is generated and stored by utilizing the reservation information, withdrawal verification information is generated, address information of a withdrawal machine which reserves the withdrawal is determined, and the address information is fed back to the current user; the withdrawal verification information is used for drawing reserved withdrawal money in the cash dispenser. Therefore, the mode that large-amount money can be withdrawn on the cash dispenser in a reservation mode is realized, and the limitation of the set maximum money withdrawal amount is avoided.
Another embodiment of the present application provides a device for reserving a withdrawal, as shown in fig. 4, specifically including the following units:
a first obtaining unit 401, configured to obtain user information of a current user and a withdrawal account input by the current user.
And an identity authentication unit 402, configured to authenticate a legal representative of the withdrawal account based on the user information.
An output unit 403, configured to output the withdrawal electronic contract template on a user interface if the representative of the legal person who passed the withdrawal account is determined to be verified.
A second obtaining unit 404, configured to obtain reservation information input by the current user on the withdrawal electronic contract template.
The reservation information at least comprises account information of the withdrawal account and reserved withdrawal amount.
A first generation unit 405 for generating and storing a withdrawal electronic contract using the reservation information.
A second generating unit 406, configured to generate withdrawal verification information and determine address information of a cash machine that reserves withdrawal.
The withdrawal verification information is used for receiving the reserved withdrawal amount in the cash dispenser.
The feedback unit 407 is configured to feed back the verification information and the address information of the cash dispenser to the current user.
Optionally, an identity verification unit in a device for reserving withdrawal provided in another embodiment of the present application, as shown in fig. 5, includes the following units:
the invoking unit 501 is configured to invoke corporate identity information corresponding to the withdrawal account.
A first comparing unit 502, configured to compare the corporate identity information and the user information of the current user, and determine whether the current user is a corporate identity of the withdrawal account.
A prompting unit 503, configured to prompt the current user to upload designated verification information of a corporate representative of the withdrawal account when the first comparing unit 502 determines that the current user is not the corporate representative of the withdrawal account.
The auditing unit 504 is configured to obtain the specified verification information uploaded by the current user, and audit the specified verification information.
A first determining unit 505, configured to determine that the representative of the legal person who passes the withdrawal account is verified when the first comparing unit 502 determines that the current user is the representative of the legal person who takes the withdrawal account, or when the verifying unit 504 determines that the designated verification information passes the verification.
Optionally, another embodiment of the present application provides an auditing unit in a device for reserving withdrawal, as shown in fig. 6, including the following units:
a third obtaining unit 601, configured to obtain a scanned part of an identity card represented by a legal person of the uploaded withdrawal account, a scanned part of an enterprise certificate, and a stamp picture, according to an upload material prompt displayed on a user interface by a current user.
The seal picture is a picture of a personal seal represented by a legal person or a picture of a financial seal of an enterprise to which the legal person represents.
The identification unit 602 is configured to identify the identity card scanning component and the enterprise certificate scanning component based on an optical character recognition technology, so as to obtain information of the identity card and information of the enterprise certificate.
The second comparing unit 603 is configured to compare the information of the identity card and the information of the enterprise certificate with corresponding pre-stored information, and compare the stamp picture with a pre-stored corresponding stamp picture, respectively.
A second determining unit 604, configured to determine that the specified verification information passes the audit when the information of the identity card and the information of the enterprise certificate, which are compared by the second comparing unit 603, are consistent with the corresponding pre-stored information, and the similarity between the seal picture and the seal picture corresponding to the pre-stored information is greater than a preset threshold value.
Optionally, in another embodiment of the present application, the apparatus for reserving a withdrawal further includes:
and the updating unit is used for updating the dynamic withdrawal password at regular time and feeding back the updated dynamic withdrawal password to the current user through the contact way of the current user.
The withdrawal verification information comprises a dynamic withdrawal password and a verification code.
It should be noted that, for the specific working processes of each unit provided in the foregoing embodiments of the present application, reference may be made to the implementation processes of the corresponding steps in the foregoing method embodiments, and details are not described here again.
Another embodiment of the present application provides an electronic device, as shown in fig. 7, specifically including:
a memory 701 and a processor 702.
Wherein, the memory 701 is used for storing programs; the processor 702 is configured to execute the program stored in the memory 701, and when the program is executed, the processor is specifically configured to implement the method for reserving a withdrawal as provided in any of the embodiments described above.
Another embodiment of the present application provides a computer storage medium for storing a computer program, which when executed, is used to implement the method for reserving a withdrawal as provided in any of the above embodiments.
Computer storage media, including permanent and non-permanent, removable and non-removable media, may implement the 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 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, computer readable media does not include transitory computer readable media (transmyedia) such as modulated data signals and carrier waves.
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.
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 (10)

1. A method of reserving a withdrawal, comprising:
acquiring user information of a current user and a withdrawal account input by the current user;
verifying a corporate representative of the withdrawal account based on the user information;
if the legal representative who passes the withdrawal account is confirmed to be verified, outputting a withdrawal electronic contract template on a user interface;
acquiring reservation information input by the current user on the withdrawal electronic contract template; the reservation information at least comprises account information of the withdrawal account and a reserved withdrawal amount;
generating and storing a withdrawal electronic contract by using the reservation information;
generating withdrawal verification information and determining address information of a cash dispenser which reserves withdrawal; wherein the withdrawal verification information is used for receiving the reserved withdrawal amount in the cash dispenser;
and feeding back the verification information and the address information of the cash dispenser to the current user.
2. The method of claim 1, wherein the authenticating a corporate representation of the withdrawal account based on the user information comprises:
calling legal representative information corresponding to the withdrawal account;
comparing the representative information of the legal person with the user information of the current user, and judging whether the current user is a legal person representative of the withdrawal account;
if the current user is judged not to be the legal representative of the withdrawal account, prompting the current user to upload specified verification information of the legal representative of the withdrawal account;
acquiring the specified verification information uploaded by the current user, and auditing the specified verification information;
and if the current user is judged to be the representative of the legal person of the withdrawal account or the designated verification information passes the verification, determining that the representative of the legal person of the withdrawal account passes the verification.
3. The method of claim 2, wherein the obtaining the specified verification information uploaded by the user and reviewing the specified verification information comprises:
acquiring a scanning piece of an identity card represented by a legal person of the withdrawal account, a scanning piece of an enterprise certificate and a seal picture which are uploaded by the current user according to an uploading material prompt displayed on a user interface; the seal picture is a picture of a personal seal represented by the legal person or a picture of a financial seal of an enterprise to which the legal person represents;
identifying the identity card scanning piece and the enterprise certificate scanning piece based on an optical character recognition technology to obtain the information of the identity card and the information of the enterprise certificate;
respectively comparing the information of the identity card and the information of the enterprise certificate with corresponding pre-stored information, and comparing the seal picture with a pre-stored corresponding seal picture;
and if the information of the identity card and the information of the enterprise certificate are consistent with the corresponding pre-stored information, and the similarity between the stamp picture and the pre-stored corresponding stamp picture is greater than a preset threshold value, determining that the specified verification information passes the verification.
4. The method of claim 1, wherein the withdrawal verification information comprises a dynamic withdrawal password and a verification code, wherein: after the verification information and the address information of the cash dispenser are fed back to the current user, the method further comprises the following steps:
and updating the dynamic withdrawal password at regular time, and feeding back the updated dynamic withdrawal password to the current user through the contact way of the current user.
5. An apparatus for reserving a withdrawal, comprising:
the system comprises a first acquisition unit, a second acquisition unit and a payment processing unit, wherein the first acquisition unit is used for acquiring user information of a current user and a withdrawal account input by the current user;
the identity authentication unit is used for authenticating a legal representative of the withdrawal account based on the user information;
the output unit is used for outputting a withdrawal electronic contract template on a user interface if the representative verification of the legal person passing the withdrawal account is determined;
the second acquisition unit is used for acquiring reservation information input by the current user on the withdrawal electronic contract template; the reservation information at least comprises account information of the withdrawal account and a reserved withdrawal amount;
a first generation unit configured to generate and store a withdrawal electronic contract using the reservation information;
a second generation unit for generating withdrawal verification information and determining address information of a cash dispenser which reserves withdrawal; wherein the withdrawal verification information is used for receiving the reserved withdrawal amount in the cash dispenser;
and the feedback unit is used for feeding back the verification information and the address information of the cash dispenser to the current user.
6. The apparatus of claim 5, wherein the identity verification unit comprises:
the calling unit is used for calling legal representative information corresponding to the withdrawal account;
the first comparison unit is used for comparing the representative information of the legal person with the user information of the current user and judging whether the current user is a legal person representative of the withdrawal account or not;
the prompting unit is used for prompting the current user to upload specified verification information of the legal representative of the withdrawal account when the first comparison unit judges that the current user is not the legal representative of the withdrawal account;
the auditing unit is used for acquiring the specified verification information uploaded by the current user and auditing the specified verification information;
and the first determining unit is used for determining that the representative of the legal person who passes the withdrawal account is verified when the first comparing unit judges that the current user is the representative of the legal person who passes the withdrawal account or the verifying unit determines that the specified verification information passes the verification.
7. The apparatus of claim 6, wherein the auditing unit comprises:
a third obtaining unit, configured to obtain a scanned piece of an identity card represented by a legal person of the withdrawal account, a scanned piece of an enterprise certificate, and a stamp picture, which are uploaded by the current user according to an upload material prompt displayed on a user interface; the seal picture is a picture of a personal seal represented by the legal person or a picture of a financial seal of an enterprise to which the legal person represents;
the identification unit is used for identifying the identity card scanning piece and the enterprise certificate scanning piece based on an optical character recognition technology to obtain the information of the identity card and the information of the enterprise certificate;
the second comparison unit is used for comparing the information of the identity card and the information of the enterprise certificate with corresponding pre-stored information and comparing the seal picture with a pre-stored corresponding seal picture respectively;
and the second determining unit is used for determining that the specified verification information passes the audit when the information of the identity card and the information of the enterprise certificate which are compared by the second comparing unit are consistent with the corresponding pre-stored information and the similarity between the seal picture and the pre-stored corresponding seal picture is greater than a preset threshold value.
8. The apparatus of claim 5, further comprising:
the updating unit is used for updating the dynamic withdrawal password at regular time and feeding back the updated dynamic withdrawal password to the current user through the contact way of the current user; wherein the withdrawal verification information includes the dynamic withdrawal password and a verification code.
9. An electronic device, comprising:
a memory and a processor;
wherein the memory is used for storing programs;
the processor is configured to execute the program, which when executed is particularly configured to implement the method of reserving a withdrawal according to any of claims 1 to 4.
10. A computer storage medium storing a computer program which, when executed, implements a method of reserving a withdrawal according to any of claims 1 to 4.
CN202011040212.4A 2020-09-28 2020-09-28 Method and device for reserving withdrawal, electronic equipment and computer storage medium Pending CN112101605A (en)

Priority Applications (1)

Application Number Priority Date Filing Date Title
CN202011040212.4A CN112101605A (en) 2020-09-28 2020-09-28 Method and device for reserving withdrawal, electronic equipment and computer storage medium

Applications Claiming Priority (1)

Application Number Priority Date Filing Date Title
CN202011040212.4A CN112101605A (en) 2020-09-28 2020-09-28 Method and device for reserving withdrawal, electronic equipment and computer storage medium

Publications (1)

Publication Number Publication Date
CN112101605A true CN112101605A (en) 2020-12-18

Family

ID=73783426

Family Applications (1)

Application Number Title Priority Date Filing Date
CN202011040212.4A Pending CN112101605A (en) 2020-09-28 2020-09-28 Method and device for reserving withdrawal, electronic equipment and computer storage medium

Country Status (1)

Country Link
CN (1) CN112101605A (en)

Cited By (2)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
CN112541744A (en) * 2020-12-22 2021-03-23 平安信托有限责任公司 Account opening data processing method and device, computer equipment and storage medium
TWI780801B (en) * 2021-07-05 2022-10-11 玉山商業銀行股份有限公司 Service system and verifying method

Citations (6)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
CN101807319A (en) * 2010-03-03 2010-08-18 交通银行股份有限公司 Authentication method and system based on ATM
CN102254290A (en) * 2011-08-08 2011-11-23 中国工商银行股份有限公司 Banking business reserving method, terminal and system
CN103150649A (en) * 2013-02-06 2013-06-12 平安银行股份有限公司 Trading method for implementing payment by transfer of accounts and cash withdrawing without card
CN107564204A (en) * 2017-08-21 2018-01-09 深圳怡化电脑股份有限公司 A kind of wholesale withdrawal method and atm device
CN108734897A (en) * 2018-05-22 2018-11-02 深圳怡化电脑股份有限公司 Withdrawal method, withdrawal checking method, device, cash dispenser, server and medium
CN110322646A (en) * 2019-07-05 2019-10-11 上海卓繁信息技术股份有限公司 Digital certificate handles method

Patent Citations (6)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
CN101807319A (en) * 2010-03-03 2010-08-18 交通银行股份有限公司 Authentication method and system based on ATM
CN102254290A (en) * 2011-08-08 2011-11-23 中国工商银行股份有限公司 Banking business reserving method, terminal and system
CN103150649A (en) * 2013-02-06 2013-06-12 平安银行股份有限公司 Trading method for implementing payment by transfer of accounts and cash withdrawing without card
CN107564204A (en) * 2017-08-21 2018-01-09 深圳怡化电脑股份有限公司 A kind of wholesale withdrawal method and atm device
CN108734897A (en) * 2018-05-22 2018-11-02 深圳怡化电脑股份有限公司 Withdrawal method, withdrawal checking method, device, cash dispenser, server and medium
CN110322646A (en) * 2019-07-05 2019-10-11 上海卓繁信息技术股份有限公司 Digital certificate handles method

Cited By (2)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
CN112541744A (en) * 2020-12-22 2021-03-23 平安信托有限责任公司 Account opening data processing method and device, computer equipment and storage medium
TWI780801B (en) * 2021-07-05 2022-10-11 玉山商業銀行股份有限公司 Service system and verifying method

Similar Documents

Publication Publication Date Title
US8510797B2 (en) Online user authentication
CN104599408B (en) Third party's account ATM withdrawal method and system based on dynamic two-dimension code
EP3605426A1 (en) Resource transfer method, fund payment method and apparatus, and electronic device
CN102158488B (en) Dynamic countersign generation method and device and authentication method and system
CN109544335B (en) Transaction data processing method, device, equipment and storage medium based on blockchain
KR20180113229A (en) Loan service providing method using black chain and system performing the same
CN112036890B (en) Customer identity authentication method and device
CN107204957B (en) Account binding and service processing method and device
CN112101605A (en) Method and device for reserving withdrawal, electronic equipment and computer storage medium
US20230267470A1 (en) Flexible authentication
GB2368951A (en) User authentication
CN110956539A (en) Information processing method, device and system
CN115952220A (en) Bill processing method and device based on block chain, electronic equipment and medium
CN111583549B (en) Medium-free withdrawal transaction method and device, computer equipment and readable storage medium
CN107947934B (en) Fingerprint identification and authentication system and method of mobile terminal based on bank system
CN107104922B (en) Method and device for authority management and resource control
CN111554296B (en) Client information modification method, device, server and storage medium
CN114724308A (en) Self-service bank article getting method, server, client and system
US20080162158A1 (en) Authentication Services Compensation System
CN111552985A (en) Information verification method and device
CN111275506A (en) Bill issuing method and block link point equipment
CN113591069B (en) Identity authentication method, equipment and medium based on intelligent callback machine
CN111092950B (en) Voice confirmation method and device for data request
CN115563592A (en) Client verification and service processing method, device, equipment, medium and product
KR20110078146A (en) Method for certification using text message in electronic transfer and system therefor

Legal Events

Date Code Title Description
PB01 Publication
PB01 Publication
SE01 Entry into force of request for substantive examination
SE01 Entry into force of request for substantive examination