CN112150734B

CN112150734B - Self-service equipment transaction limit processing method, device and system and computer equipment

Info

Publication number: CN112150734B
Application number: CN202011033721.4A
Authority: CN
Inventors: 黄文强; 季蕴青; 胡路苹; 胡玮; 黄雅楠; 胡传杰; 浮晨琪; 李蚌蚌; 徐晨敏
Original assignee: Bank of China Ltd
Current assignee: Bank of China Ltd
Priority date: 2020-09-27
Filing date: 2020-09-27
Publication date: 2022-05-27
Anticipated expiration: 2040-09-27
Also published as: CN112150734A

Abstract

The application provides a self-service equipment transaction amount processing method, a device, a system and a computer device, which obtains the average withdrawal amount of a target client in each preset time period according to the historical withdrawal record of the target client, the average excess withdrawal amount exceeding the preset withdrawal amount of the self-service equipment in the withdrawal amount of the target client in each preset time period in a first historical duration and the average withdrawal amount of the target client in each time in the first historical duration, thereby obtaining the target withdrawal amount of each target client aiming at the self-service equipment in the preset time period according to the average withdrawal amount of the periods, the average excess withdrawal amount and the average withdrawal amount of each time, and storing the target withdrawal amount and the client identification of the corresponding target client in a correlation manner, so that the target client needing to frequently withdraw a large amount of cash can directly finish cash withdrawal business on the self-service equipment, the convenience of customers and banks and the safety of cash withdrawal business are improved.

Description

Self-service equipment transaction limit processing method, device and system and computer equipment

Technical Field

The application relates to the field of resource allocation application, in particular to a self-service equipment transaction limit processing method, a device, a system and computer equipment.

Background

At present, self-service equipment is widely applied to a plurality of industries, users can directly handle corresponding services on the self-service equipment without queuing at counters, and the self-service equipment is very convenient. Taking an Automatic Teller Machine (ATM) of a bank as an example for illustration, a user can use a magnetic code card or a smart card to realize self-service services of financial transactions on the ARM, such as cash withdrawal, deposit balance inquiry, fund transfer between accounts and the like, and replace the work of bank counter personnel, so that the labor cost is saved, convenience is provided for the customer, and the customer experience is improved.

In practical applications, the self-service cash withdrawal amount supported by the ATM is often limited, and when a user needs to withdraw a large amount of cash, the user needs to go to a counter of a banking institution to perform the transaction, which is troublesome.

Disclosure of Invention

In view of the above, in order to solve the above technical problems, the present application provides the following technical solutions:

on one hand, the application provides a self-service equipment transaction amount processing method, which comprises the following steps:

obtaining the average withdrawal amount of a target customer in each period of a preset time period according to the historical withdrawal record of the target customer;

acquiring the average excess withdrawal amount exceeding the preset withdrawal amount of the self-service equipment in the withdrawal amount of each preset time period within the first historical time of the target client;

acquiring the average withdrawal amount of the target customer in each time within the first historical time length;

obtaining a target withdrawal amount of each target customer for the self-service equipment in the preset time period according to the periodic average withdrawal amount, the average excess withdrawal amount and the average withdrawal amount each time;

storing the target withdrawal amount and the client identification of the corresponding target client in a correlation manner;

the target withdrawal amount is used for indicating the maximum withdrawal amount of the target user on the self-service equipment or indicating whether the self-service equipment responds to a withdrawal request initiated by the target customer.

Optionally, the obtaining of the average excess withdrawal amount exceeding the preset withdrawal amount of the self-service device in the withdrawal amount of each preset time period of the target customer within the first historical time includes:

inquiring a historical withdrawal record of the target customer in a first historical duration, and extracting an excess withdrawal amount exceeding a preset withdrawal amount of self-service equipment in the withdrawal amount of the target customer in each preset time period, wherein the preset withdrawal amount refers to the maximum withdrawal amount allowed by the customer in the preset time period;

and carrying out average operation on the extracted multiple excess withdrawal amounts to obtain an average excess withdrawal amount.

Optionally, the obtaining the average withdrawal amount of the target customer at each time within the first historical time period includes:

inquiring a historical withdrawal record of the target customer in a first historical duration to obtain the total withdrawal amount and the withdrawal times of the target customer;

and obtaining the average withdrawal amount of the target customer in each time within the first historical time length according to the total withdrawal amount and the withdrawal times.

Optionally, the associating and storing the target money amount and the client identifier of the target client includes:

acquiring a client identifier of the target client, and determining a corresponding relation between the target money drawing amount and the client identifier of the corresponding target client;

and sending the corresponding relation to a block chain storage system for storage.

Optionally, the obtaining a target withdrawal amount of each target customer for the self-service device within the preset time period according to the periodic average withdrawal amount, the average excess withdrawal amount, and the average withdrawal amount per time includes:

determining a withdrawal amount proportionality coefficient of the target customer according to the ratio of the average excess withdrawal amount to the average withdrawal amount per time;

and determining the product of the withdrawal amount proportionality coefficient and the periodic average withdrawal amount as a target withdrawal amount of each target customer for the self-service equipment in the preset time period.

Optionally, the method further includes:

receiving a withdrawal request sent by the self-service equipment;

determining whether the customer requesting the withdrawal belongs to the target customer or not according to a first customer identifier of the customer requesting the withdrawal carried by the withdrawal request;

if so, acquiring a first withdrawal amount stored in association with the first customer identifier;

if not, acquiring a preset withdrawal amount configured for the self-service equipment, and determining the preset withdrawal amount as a first withdrawal amount of the withdrawal requesting client;

outputting the first withdrawal amount; or verifying whether the withdrawal amount of the current request carried by the withdrawal request exceeds the first withdrawal amount or not, so that the self-service equipment determines whether to respond to the withdrawal request or not according to the obtained verification result.

Optionally, the method further includes:

acquiring an adjustment request of the target withdrawal amount aiming at the target client;

analyzing the adjustment request to obtain a client identifier of the target client;

acquiring customer attribute information associated with the customer identification, historical behavior information in a second historical duration and a historical transaction record;

determining whether the current credit line of the target client meets the withdrawal line adjustment requirement or not according to the client attribute information, the historical behavior information and the historical transaction record;

and if so, responding to the adjustment request.

In another aspect, the present application provides a self-service device transaction amount processing device, including:

the periodic average withdrawal amount obtaining module is used for obtaining the periodic average withdrawal amount of the target customer in each preset time period according to the historical withdrawal record of the target customer;

the average excess withdrawal amount acquisition module is used for acquiring the average excess withdrawal amount exceeding the preset withdrawal amount of the self-service equipment in the withdrawal amount of each preset time period within the first historical duration of the target customer;

the average withdrawal amount per time acquisition module is used for acquiring the average withdrawal amount per time of the target customer in the first historical time;

the target withdrawal amount obtaining module is used for obtaining a target withdrawal amount of the target customer on the self-service equipment within the preset time period according to the periodic average withdrawal amount, the average excess withdrawal amount and the average withdrawal amount each time;

the storage module is used for storing the target withdrawal amount and the client identification of the target client in a correlation manner;

In yet another aspect, the present application provides a computer device, comprising: at least one communication interface, at least one memory, and at least one processor, wherein:

the memory is used for storing a program for realizing the self-service equipment transaction amount processing method;

the processor is used for loading and executing the program stored in the memory so as to realize the steps of the self-service equipment transaction amount processing method.

In another aspect, the present application provides a self-service device transaction amount processing system, including:

at least one service device;

a data storage device for storing a transaction record of a customer;

at least one self-service device;

the self-service equipment is the computer equipment; alternatively, the first and second electrodes may be,

the service equipment is the computer equipment, and the self-service equipment is used for acquiring a withdrawal request initiated by a target customer, sending the withdrawal request to the service equipment, receiving a verification result of whether the withdrawal amount requested this time fed back by the service equipment exceeds a target withdrawal amount of the target customer, and determining whether to respond to the withdrawal request according to the verification result.

Therefore, the application provides a method, a device, a system and a computer device for processing transaction amount of self-service equipment, in order to enable a client needing to frequently withdraw a large amount of cash to be free from the constraint of a uniform withdrawal amount set by a bank organization, so that the client can directly complete cash withdrawal business on the self-service equipment, the application provides that personalized withdrawal amounts are set for the client, specifically, the average withdrawal amount of a target client in each preset time period can be obtained according to the historical withdrawal record of the target client, the average excess withdrawal amount of the target client exceeding the preset withdrawal amount of the self-service equipment in the withdrawal amount of each preset time period in a first historical time period, and the average withdrawal amount of the target client in each time in the first historical time period, so that according to the average withdrawal amount of the period, the average excess withdrawal amount and the average withdrawal amount of each time, the method comprises the steps of obtaining a target withdrawal amount of each target client aiming at the self-service equipment within a preset time period, and storing the target withdrawal amount and a client identification of the corresponding target client in a correlation mode, so that when the target client withdraws money on the self-service equipment later, the self-service equipment can output the target withdrawal amount to indicate the maximum withdrawal amount of the target user on the self-service equipment or determine whether to respond to a withdrawal request initiated by the target client according to the target withdrawal amount, the service handling requirements of the target client on the self-service equipment for withdrawing a large amount of cash are met, the workload of bank staff is reduced, and the safety of cash withdrawal service is improved.

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 flow chart showing an alternative example of a self-service device transaction amount processing method proposed by the present application;

FIG. 2 is a schematic flow chart showing another alternative example of the transaction amount processing method of the self-service device proposed by the present application;

FIG. 3 is an outflow diagram illustrating yet another alternative example of a self-service transaction amount processing method proposed in the present application;

FIG. 4 is a schematic diagram illustrating an application scenario of an alternative example of the self-service device transaction amount processing method proposed in the present application;

FIG. 5 is a schematic flow chart showing yet another alternative example of the self-service device transaction amount processing method provided by the application;

FIG. 6 is a schematic diagram showing an alternative example of the transaction amount processing device of the self-service device according to the present application;

FIG. 7 is a schematic structural diagram of another alternative example of the transaction amount processing device of the self-service device provided by the application;

FIG. 8 is a schematic structural diagram of yet another alternative example of the transaction amount processing device of the self-service device provided by the application;

FIG. 9 is a diagram illustrating a hardware configuration of an alternative example of a computer device as set forth in the present application;

FIG. 10 is a schematic structural diagram illustrating an embodiment of a self-service device transaction amount processing system according to the present application.

Detailed Description

Aiming at the problems that the withdrawal limit of the current self-service equipment is unified and fixed, so that some customers (marked as target customers) needing to take a large amount of cash can not withdraw money on the self-service equipment, and need to go to a counter of a bank institution for handling, the process is complicated, and much inconvenience is brought to the customers and banks, the method and the system hope to establish corresponding withdrawal limits for different customers, so that the self-service equipment does not adopt a unified withdrawal limit any more, but adopt personalized withdrawal limits for different customers, can better meet the withdrawal requirements of different types of customers, and can configure higher withdrawal limits for customers who often use a large amount of cash; and aiming at the customers with smaller withdrawal amount, the customers can know to configure lower withdrawal amount, thereby solving the technical problem that in the prior art, the customers can only draw cash from the counter because the withdrawal amounts of the self-service equipment are uniform and are usually smaller than the withdrawal amounts of the customers who often use a large amount of cash, which brings great inconvenience to the customers and the banks, and improving the customer experience and facilitating the banks.

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.

It should be noted that, for convenience of description, only the portions related to the related invention are shown in the drawings. The embodiments and features of the embodiments in the present application may be combined with each other without conflict.

It should be understood that "system", "apparatus", "unit" and/or "module" as used herein is a method for distinguishing different components, elements, parts or assemblies at different levels. However, other words may be substituted by other expressions if they accomplish the same purpose.

As used in this application and the appended claims, the terms "a," "an," "the," and/or "the" are not intended to be inclusive in the singular, but rather are intended to be inclusive in the plural unless the context clearly dictates otherwise. In general, the terms "comprises" and "comprising" merely indicate that steps and elements are included which are explicitly identified, that the steps and elements do not form an exclusive list, and that a method or apparatus may include other steps or elements. An element defined by the phrase "comprising an … …" does not exclude the presence of other identical elements in the process, method, article, or apparatus that comprises the element.

In the description of the embodiments herein, "/" means "or" unless otherwise specified, for example, a/B may mean a or B; "and/or" herein is merely an association describing an associated object, and means that there may be three relationships, e.g., a and/or B, which may mean: a exists alone, A and B exist simultaneously, and B exists alone. In addition, in the description of the embodiments of the present application, "a plurality" means two or more than two. The terms "first", "second" and the like are used for descriptive purposes only and are not to be construed as indicating or implying relative importance or implicitly indicating the number of technical features indicated. Thus, a feature defined as "first" or "second" may explicitly or implicitly include one or more of that feature.

Additionally, flow charts are used herein to illustrate operations performed by systems according to embodiments of the present application. It should be understood that the preceding or following operations are not necessarily performed in the exact order in which they are performed. Rather, the various steps may be processed in reverse order or simultaneously. Meanwhile, other operations may be added to the processes, or a certain step or several steps of operations may be removed from the processes.

Referring to fig. 1, a schematic flow chart of an optional example of a self-service device transaction amount processing method provided by the present application is shown, where the method may be applied to a computer device in a bank management system, the computer device may be a self-service device or a service device, the service device may be a server or a service terminal with a certain data processing capability, the server may be an independent physical server, or a service cluster integrated by multiple physical servers, or a cloud server with a cloud computing capability, and the like, and data interaction with an electronic device such as a local self-service device or a service terminal may be implemented through a wired or wireless network. As shown in fig. 1, the method may include:

step S11, obtaining the average withdrawal amount of the target customer in each preset time period according to the historical withdrawal record of the target customer;

in the embodiment of the present application, the target customer may refer to a class of customers (denoted as a first class of customers) whose withdrawal amount exceeds the set specific amount a within a preset time period of one year or two years in the past in the banking institution, and the specific screening process of the class of customers is not described in detail in the present application. The specific quota A can be obtained by multiplying a preset time period number contained in the preset time period by a preset withdrawal quota in a preset time period such as a one-year withdrawal quota, a one-week withdrawal quota and the like based on a preset withdrawal quota in a preset time period such as every day or every week of the banking institution. The preset withdrawal amount can be determined according to the supervision requirements of a bank institution, the experience of workers and other information, and the application does not limit the specific amount, the numerical value of the preset withdrawal amount and the respective acquisition mode.

According to the analysis on the target customers, the target customers usually comprise a plurality of customers belonging to the first class of customers, the method and the system can determine the target customers, namely the first class of customers, by classifying cash withdrawal amounts of each customer stored in a bank management system within the past preset time, and extract historical withdrawal records of each target customer so as to customize personalized withdrawal amount for each target customer.

Then, the total withdrawal amount of the target customers in the past preset time period (for example, the past year) may be counted, and the average withdrawal amount of the target customers in a preset time period is obtained by dividing the total withdrawal amount by the number of preset time periods included in the preset time period, and is recorded as the period average withdrawal amount E. Illustratively, the total amount of money withdrawn by these first type customers in the past year is counted, and the amount of money withdrawn by these first type customers in the past week is divided by the number of weeks in the past year.

It should be understood that the preset time period is not limited to 7 days, and may also be a day, and may be determined according to the research result, for example, according to the parameter such as the customer withdrawal frequency, and the duration of the preset time period is determined, in this embodiment, only one week (that is, 7 days) is taken as an example for illustration, and for the preset time periods of other durations, the processing procedure is similar, and this application is not described in detail.

In practical applications, since some customers may choose to withdraw less cash for security, that is, withdraw money in several times, so that the withdrawal amount of the customer in one week (that is, the preset time period) does not completely represent the current day limit of the customer, a scaling factor needs to be set, and the withdrawal amount of the customer in one week is obtained by multiplying the scaling factor by the withdrawal amount of the customer in one week.

Step S12, obtaining the average excess withdrawal amount exceeding the preset withdrawal amount of the self-service equipment in the withdrawal amount of the target customer in each preset time period in the first historical duration;

as described above, the target customer in this embodiment refers to the first type of customer, and customizes a more adaptive money withdrawal amount for this type of customer, so as to simplify the money withdrawal process, and enable the customer to perform cash withdrawal on the self-service device. In practical application, a banking institution may set a maximum withdrawal limit for a target customer, and record the maximum withdrawal limit as a preset withdrawal limit, and then, may count the excess withdrawal condition of the target customer according to the maximum withdrawal limit.

Specifically, in the process of determining the personalized target withdrawal limit of the target customer, as shown in fig. 2, the present application may query the historical withdrawal record of the target customer within a first historical time period (e.g., three months in the last year, etc., the time period indicated by the first historical time period is not limited by the present application, and may be determined according to circumstances), and extract the excess withdrawal amount exceeding the preset withdrawal limit of the self-service device in the withdrawal amount of the target customer in each preset time period.

Still take the preset time period as one week for illustration, the withdrawal amount exceeding the existing preset withdrawal amount in the weekly withdrawal process of each target client within three months of the last year, that is, the excess withdrawal amount, can be counted, here, the preset withdrawal amount refers to the maximum withdrawal amount allowed for the target client within the preset time period, the present application does not limit the value thereof, and the dynamic adjustment can be performed along with the withdrawal amount processing of the present application. Similar processes for acquiring the excess withdrawal amount of other first historical durations and the preset time period are not described in detail in this embodiment.

Then, an average operation may be performed on the extracted plurality of excess withdrawal amounts to obtain an average excess withdrawal amount. The method comprises summing the extracted multiple excess withdrawal amounts to obtain an excess total withdrawal amount, counting the excess times of the excess withdrawal, and dividing the excess total withdrawal amount by the excess times to obtain an average excess withdrawal amount J. It should be noted that, the specific implementation process of step S12 is not limited to the calculation manner described in this embodiment.

Step S13, obtaining the average withdrawal amount of the target customer in the first historical time;

in order to improve the reliability and accuracy of the withdrawal amount customization, the present application may obtain the average withdrawal amount of each time by using the historical withdrawal record in the same time period as the average excess withdrawal amount obtaining process, specifically as shown in fig. 2, the total withdrawal amount and the withdrawal times of the target customer are obtained by querying the historical withdrawal record of the target customer in the first historical time period, so that the average withdrawal amount of the target customer in the first historical time period, that is, the average withdrawal amount of each time is the total withdrawal amount/the withdrawal times, is obtained from the total withdrawal amount and the withdrawal times.

For example, still taking a preset time period as one week, the first historical duration refers to the same three months in the last year as an example, the computer device may count all the withdrawal amounts K and all the withdrawal times L of each target customer in the three months, and divide the withdrawal amount K by the withdrawal times L to obtain an average withdrawal amount M of the target customer for each large withdrawal, that is, an average withdrawal amount for each time.

Step S14, obtaining the target money drawing amount of each target customer aiming at the self-service equipment in a preset time period according to the periodic average money drawing amount, the average excess money drawing amount and the average money drawing amount each time;

in some embodiments, as shown in fig. 2, the present application may determine a ratio F of the average excess withdrawal amount J to the average withdrawal amount M at each time, and then may determine a target withdrawal amount for each target customer for the self-service device within a preset time period by multiplying the ratio F of the withdrawal amount and the average withdrawal amount E at each time period.

Still explain with the preset time period as a week as an example, according to the processing method, the present application can obtain a week withdrawal amount of each target customer on the self-service device, that is, the maximum withdrawal amount in a week.

It should be understood that, for the above example, if it is necessary to limit the withdrawal amount for one day, the obtained one-week withdrawal amount may be directly divided by 7, or a longer-time withdrawal amount (for example, one month or the like) may be limited, which may be obtained according to a multiple relationship between the time and one week and the one-week withdrawal amount, or when the target withdrawal amount is obtained, the preset time period may be directly determined as the time.

And step S15, storing the target withdrawal amount and the client identification of the corresponding target client in an associated manner.

In the embodiment of the present application, in combination with the above analysis, the target withdrawal amount is used to determine whether to respond to a withdrawal request initiated by a target customer on a self-service device, and a specific implementation process may refer to, but is not limited to, the following description of a corresponding embodiment.

The client identification can be client identity information, such as information with unique characteristics, such as an identity card number, fingerprint information, a face image, voiceprint information and the like of a corresponding target client, so as to reliably distinguish each client.

After the target withdrawal amount corresponding to each target customer is determined according to the above manner, the target withdrawal amount and the customer identity information of the corresponding target customer can be bound and stored, so that when the subsequent target customer withdraws money on the self-service equipment, the self-service equipment can read and output the corresponding target withdrawal amount according to the customer identity information, so that the target customer knows the maximum withdrawal amount which can be currently on the self-service equipment, and the situation that the withdrawal amount input on the self-service equipment exceeds the target withdrawal amount, which causes the target equipment to fail to respond is avoided.

For the autonomous device, it may also use the client identifier of the target client to query the corresponding target money withdrawal amount, verify whether the cash amount requested by the target client to be withdrawn exceeds the target money withdrawal amount, determine whether to respond to the withdrawal request initiated by the target client this time, and so on. As can be seen, the target withdrawal amount may be used to indicate a maximum withdrawal amount of the target user on the self-service device, or indicate whether the self-service device responds to a withdrawal request initiated by the target user, and the specific implementation process may refer to, but is not limited to, the description of the corresponding parts of the following embodiments.

In addition, the storage mode and the storage position of the target withdrawal amount and the client identification of each target client are not limited in the application, and can be determined according to the actual application requirements.

Optionally, in order to avoid that the client changes the target withdrawal amount unit at will, in the process of executing step S15, after obtaining the client identifier of the target client and determining the corresponding relationship between the target withdrawal amount unit and the client identifier of the corresponding target client, the present application may send the corresponding relationship to the block chain storage system for storage, so as to improve the storage security of the corresponding relationship by using the non-changeable characteristic of the block chain storage system, thereby facilitating the management of the banking institution. How to write the corresponding relation into the blockchain memory system and the system structure of the blockchain memory system are not described in detail in the present application.

In summary, in order to enable a client who needs to withdraw a large amount of cash frequently without being restricted by a uniform withdrawal amount set by a banking institution, so that the client can directly complete a cash withdrawal service on a self-service device, the present application proposes to set up an individualized withdrawal amount for such a client, specifically, an average withdrawal amount of a target client in each preset time period, an average excess withdrawal amount exceeding a preset withdrawal amount of the self-service device in the withdrawal amounts of the target client in each preset time period in a first history duration, and an average withdrawal amount of the target client in each history duration can be obtained according to a historical withdrawal record of the target client, so as to obtain a target withdrawal amount of each target client for the self-service device in the preset time period according to the average withdrawal amount, the average excess withdrawal amount and the average withdrawal amount per time of the target client, and the target withdrawal amount and the client identification of the corresponding target client are stored in a correlation manner, so that when a subsequent target client withdraws money on the self-service equipment, the self-service equipment can output the target withdrawal amount to indicate the maximum withdrawal amount of a target user on the self-service equipment or determine whether to respond to a withdrawal request initiated by the target client according to the maximum withdrawal amount, the working capacity of bank staff is reduced while the business handling requirement that the target client withdraws a large amount of cash from the self-service equipment is met, and the safety of cash withdrawal business is improved.

Referring to fig. 3, which is a schematic flow chart of another optional example of the self-service device transaction amount processing method provided in the present application, an embodiment of the present application may be a description of an optional application scenario of the target withdrawal amount personalized by each target customer according to the self-service device transaction amount processing method in the foregoing embodiment, but is not limited to this application scenario, and a description of a corresponding part of the foregoing embodiment may be referred to for a target withdrawal amount personalized establishment implementation process of the target customer, which is not described in detail in this embodiment.

As shown in fig. 3, the self-service device transaction amount processing method described in this embodiment may include:

step S31, the self-service equipment acquires a withdrawal request;

in practical application, referring to a scene schematic diagram shown in fig. 4, when a customer withdraws money on a self-service device, a bank card account password is input, and after verification is passed, a corresponding operation interface is usually output, where the operation interface may generally include function buttons for withdrawing money, depositing money, changing a password, inquiring a balance, transferring money, and the like, the customer may select the function button for withdrawing money on the operation interface, and the self-service device may respond to a confirmation operation of the customer on the withdrawal button, identify a bank card identifier, inquire identity information of a cardholder corresponding to the bank card identifier, and use the identity information as a first customer identifier of the customer requesting the withdrawal, and generate a withdrawal request carrying the first customer identifier.

In still other embodiments, in the process of generating the withdrawal request, the withdrawal request carrying the first customer identifier and the present withdrawal amount may be generated after the customer inputs the present withdrawal amount (i.e., the withdrawal amount).

Step S32, the self-service device sends the withdrawal request to the service device;

it should be noted that, for the self-service device transaction amount processing method provided by the present application, the above analysis may be performed by a self-service device or a service device, and is not limited to the application scenario described in this embodiment, and no matter which device performs, the essential solutions for implementing the self-service device transaction amount processing method provided by the present application are the same, and detailed descriptions are not given in the present application.

Step S33, the service device analyzes the withdrawal request to obtain the first client identification of the withdrawal client of the request;

as described above, the first customer identifier may be customer identity information of the customer requesting the withdrawal, and the content of the first customer identifier is similar to that of the customer identifier of the target customer.

Step S34, the service device determines whether the customer requesting the money withdrawal belongs to the target customer according to the first customer identification, if not, the step S35 is entered; if yes, go to step S36;

as described above, the present application only pre-defines the personalized target money amount for the first type of customers, i.e., the target customers, and for other types of customers, the default money amount, i.e., the preset money amount, may still be adopted, so after receiving the withdrawal request initiated by the customer, it may be verified whether the customer belongs to the target customer, i.e., whether the preset money amount configured by the customer default needs to be adjusted.

Specifically, after obtaining the first client identifier of the customer requesting to withdraw money this time, the first client identifier may be compared with the client identifier of each target client in the correspondence stored in advance in association, and if the client identifier of the target client matching with the first client identifier exists, the customer requesting to withdraw money this time may be considered to belong to the target client; otherwise, the customer requesting the withdrawal does not belong to the target customer, and the target withdrawal limit customized individually does not need to be adopted.

It should be noted that, regarding the comparison method between the first client identifier and the client identifier of the target client, it may be determined according to the content of the client identifier, for example, as for the identification number, whether the comparison is consistent or not may be directly performed; if the face image is the face image, whether the face feature similarity reaches a preset similarity threshold value can be verified; similarly, for other physiological characteristics such as fingerprints and voiceprints, whether the withdrawal requesting client belongs to the target client or not can be determined through similarity comparison, and the specific implementation process is not described in detail in the application.

In some embodiments provided in the present application, after determining each target customer and its corresponding target withdrawal limit in the above manner, a first flag bit, such as 1, may be configured for the customer information of such customers, i.e., the target customers, and a second flag bit, such as 0, may be configured for the customer information of other types of customers, but is not limited to the flag bit of the content. In this way, when step S34 is executed, the flag bit corresponding to the first customer identifier may be directly read, and whether it is the first flag bit or not is determined, and if so, it is determined that the customer requesting the money withdrawal belongs to the target customer. It should be noted that the flag bit provided in this embodiment may also be used as a client identifier, and still according to the above manner, it may be determined whether the customer requesting to withdraw money belongs to the target customer.

Step S35, the service device obtains the default money drawing amount configured for the self-service device, and determines the default money drawing amount as the first money drawing amount of the customer requesting the money drawing this time;

step S36, the service device inquires the target money drawing amount corresponding to the first client identification as the first money drawing amount according to the corresponding relation between the preset client identification of the target client and the target money drawing amount;

after the analysis, the client requesting to withdraw money is determined to belong to the target client, and the preset target money amount corresponding to the target client can be determined as the first money amount of the client requesting to withdraw money; otherwise, if the withdrawal requesting client does not belong to the target client but is a common client, the withdrawal limit (marked as the default withdrawal limit) of the self-service equipment default configuration for the common client is directly determined as the first withdrawal limit.

It should be noted that, for the target customer and the general customer, the maximum withdrawal amount allowed in the preset time period is often different, and usually, for the first type of customer, the maximum withdrawal amount configured by the banking institution, that is, the preset withdrawal amount, is greater than the maximum withdrawal amount configured for the second type of customer, that is, the default withdrawal amount, but the specific values of the preset withdrawal amount and the default withdrawal amount are not limited in the present application.

Step S37, the service device sends the first money drawing amount to the self-service device for output;

step S38, the self-service device outputs the first money drawing amount;

step S39, the self-service device obtains the amount of money to be drawn this time, which is input by the customer requesting the money to be drawn this time according to the first amount of money to be drawn, and controls the cash-dispensing component to work according to the amount of money to be drawn this time.

In the embodiment of the application, according to the above manner, the self-service device obtains the first withdrawal amount of the customer requesting to withdraw money at this time, that is, after the customer is allowed to have the maximum withdrawal amount within a preset time period, the first withdrawal amount can be directly output, so that when the customer inputs the withdrawal amount, the customer can determine the withdrawal amount according to the first withdrawal amount, and the situation that the withdrawal amount input on the self-service device exceeds the target withdrawal amount, which causes the target device to fail to respond, is avoided.

The specific method for realizing the withdrawal restriction of the corresponding customer according to the first withdrawal amount after the self-service device obtains the first withdrawal amount is not described in detail in the present application, which includes but is not limited to the processing mode described in this embodiment.

In summary, in this embodiment, a corresponding target withdrawal amount may be established for a target client that needs to frequently withdraw a large amount of cash, and is different from a preset withdrawal amount configured by default in the self-service device, so that when the client withdraws money on the self-service device, it may be verified whether the client belongs to the target client first, and if the client belongs to the target client, the target withdrawal amount corresponding to the target client needs to be determined as the withdrawal amount of the client requesting to withdraw money this time, and the withdrawal amount of the client requesting to withdraw money this time is controlled; if not, the withdrawal amount of the customer requesting the withdrawal can be controlled according to the default withdrawal amount of the self-service equipment, so that the working capacity of bank staff is reduced and the safety of the cash withdrawal business is improved while the business handling requirement that the target customer withdraws a large amount of cash from the self-service equipment is met.

In still other embodiments provided by the application, if the customer requesting withdrawal initiates a withdrawal request, the customer requesting withdrawal inputs the withdrawal amount requested this time first, and after the first withdrawal amount of the customer requesting withdrawal is obtained in the above manner, it may be verified whether the withdrawal amount requested this time carried by the withdrawal request exceeds the first withdrawal amount, and the obtained verification result is fed back to the self-service device, so that the self-service device determines whether to respond to the withdrawal request according to the verification result. Specifically, if the requested withdrawal amount does not exceed the first withdrawal amount, the cash dispensing assembly can be controlled to work according to the withdrawal amount in the manner; if the requested withdrawal amount exceeds the first withdrawal amount, corresponding reminding information can be output to inform the requesting withdrawal client that the requested withdrawal amount is excessive, and the excess amount can also be included, so that the requesting withdrawal client can adjust the requested withdrawal amount according to the request withdrawal amount, or can transact to a counter or wait for the withdrawal of the withdrawal within the next preset time period, and the like.

The reminding information that the withdrawal amount exceeds the first withdrawal amount requested at this time can be output in a text form through a display screen of the self-service equipment, can also be output in a voice broadcasting mode through a voice player and the like.

In still other embodiments provided by the present application, referring to the flowchart shown in fig. 5, along with a large change of the historical withdrawal amount of the target customer, the determined target withdrawal amount may be adjusted to better meet the withdrawal requirement of the target customer. Specifically, as shown in fig. 5, on the basis of the self-service device transaction amount processing method described in the foregoing embodiment, the method may further include:

step S51, obtaining the adjustment request of the target withdrawal amount aiming at the target client;

in this embodiment, the adjustment request may be initiated by the target client actively, for example, by applying for the adjustment request on a service platform of a banking institution, or may be automatically generated by the service device according to a historical transaction record of the target client, and a generation manner of the adjustment request is not limited in this application.

Step S52, analyzing the adjustment request to obtain the client identification of the target client;

with regard to the content contained in the client identifier of the target client, reference may be made to the description of the corresponding part of the above-described embodiment.

Step S53, obtaining the customer attribute information associated with the customer identification, the historical behavior information in the second historical duration and the historical transaction record;

the second historical duration is closer to the current time than the first historical duration, and specific numerical values of the second historical duration are not limited in the application. The historical behavior information may include historical operation data on the service platform of the banking institution of the target customer, or operation data of the target customer on other payment platforms, and correspondingly, the historical transaction record may include transaction records on the service platform of the banking institution of the target customer and other payment platforms, including transaction types (such as withdrawal, deposit, transfer, payment, and the like) and corresponding transaction amounts thereof, and the like; the client attribute may include the client identity information and the client basic information, such as the client academic calendar, occupation, age, and the like, and the specific contents of the client attribute information, the historical behavior information in the second historical duration, and the historical transaction record are not limited in this application, and may be determined according to the circumstances.

Step S54, determining the current credit limit of the target client according to the client attribute information, the historical behavior information and the historical transaction record;

in this embodiment, the withdrawal amount is adjusted according to the credit amount of the client, usually, for the client with high credit amount, the withdrawal amount may be allowed to be increased to make the client have a larger withdrawal amount, and for the client with low credit amount, the withdrawal amount may not be allowed to be increased to make the client have a relatively smaller withdrawal amount, so as to maintain the security benefit of the banking institution, but the specific implementation method of step S54 is not limited in the present application.

Optionally, the present application may train a credit prediction model in advance, and input the obtained client attribute information, historical behavior information, historical transaction record, and other information into the credit prediction model to obtain the current credit line of the target client. The credit prediction model may be obtained by training corresponding sample data based on a machine learning algorithm, the specific training method of the credit prediction model is not described in detail in the present application, and the implementation manner of step S54 is not limited to this model prediction manner, which may be determined as the case may be.

Step S55, verifying whether the current credit line reaches the adjustment requirement of the withdrawal line, if yes, entering step S56; if not, go to step S57;

step S56, responding to the adjustment request;

step S57, outputting the prompting message for forbidding the adjustment of the target withdrawal amount.

The withdrawal amount adjustment requirement can be determined according to the supervision requirement of a bank organization, the experience of workers and other factors, the content of the withdrawal amount adjustment requirement is not limited, for example, the withdrawal amount adjustment requirement can be within different signal amount ranges, the withdrawal amount range allowed to be adjusted and the like, and the withdrawal amount adjustment requirement is not described in detail herein.

After the verification, the current credit line of the target client is determined to be enough, the corresponding target withdrawal line can be increased, and the withdrawal amount of the target client can be controlled according to the increased target withdrawal line. Regarding responding to the adjustment request, the adjustment process of the target withdrawal amount may be implemented by obtaining the target withdrawal amount according to the above embodiment, or may be implemented by directly adding the increment to the originally stored target withdrawal amount according to a preset increment, so as to obtain a new target withdrawal amount.

If the current credit line of the target client is determined to be insufficient, a prompt message prohibiting adjustment of the target withdrawal line may be fed back to notify the target client of the result, and if the current credit line is lower than a specific threshold, the target withdrawal line of the target client may be appropriately reduced.

Therefore, the present embodiment can dynamically adjust the target withdrawal amount according to the change of the actual withdrawal amount of the target customer and the credit amount of the target customer, so as to better meet the withdrawal requirement of the target customer and ensure the fund security of a bank structure.

Referring to fig. 6, a schematic structural diagram of an alternative example of the transaction amount processing device for the self-service device provided by the present application, the device may be applied to a computer device, and the device may include:

a periodic average withdrawal amount obtaining module 61, configured to obtain a periodic average withdrawal amount of a target customer in each preset time period according to a historical withdrawal record of the target customer;

an average excess withdrawal amount obtaining module 62, configured to obtain an average excess withdrawal amount that exceeds a preset withdrawal amount of the self-service device in the withdrawal amount of the target client in each preset time period within a first historical duration;

optionally, the average excess withdrawal amount obtaining module 62 may include:

the excess withdrawal amount query unit is used for querying a historical withdrawal record of the target client in a first historical duration, and extracting the excess withdrawal amount exceeding a preset withdrawal amount of self-service equipment in the withdrawal amount of the target client in each preset time period, wherein the preset withdrawal amount refers to the maximum withdrawal amount allowed by the client in the preset time period;

and the average excess withdrawal amount obtaining unit is used for carrying out average operation on the extracted excess withdrawal amounts to obtain the average excess withdrawal amount.

An average withdrawal amount per time obtaining module 63, configured to obtain an average withdrawal amount per time of the target customer within the first historical time period;

the withdrawal record inquiry unit is used for inquiring the historical withdrawal record of the target customer in a first historical duration to obtain the total withdrawal amount and the withdrawal times of the target customer;

and the average withdrawal amount per time obtaining unit is used for obtaining the average withdrawal amount per time of the target customer in the first historical duration according to the total withdrawal amount and the withdrawal times.

A target withdrawal amount obtaining module 64, configured to obtain a target withdrawal amount on the self-service device by the target customer within the preset time period according to the periodic average withdrawal amount, the average excess withdrawal amount, and the average withdrawal amount per time;

optionally, as shown in fig. 7, the target withdrawal amount obtaining module 64 may include:

a withdrawal amount scaling factor determining unit 641, configured to determine a withdrawal amount scaling factor of the target customer according to a ratio of the average excess withdrawal amount to the average withdrawal amount at each time;

and a target withdrawal amount determining unit 642, configured to determine a product of the withdrawal amount scaling factor and the periodic average withdrawal amount as a target withdrawal amount of each target customer for the self-service device within the preset time period.

The storage module 65 is used for storing the target withdrawal amount and the client identifier of the target client in a correlation manner;

Optionally, the storage module 65 may include:

the corresponding relation determining unit is used for acquiring the client identification of the target client and determining the corresponding relation between the target withdrawal amount unit and the client identification of the corresponding target client;

and the information sending unit is used for sending the corresponding relation to a block chain storage system for storage.

In some embodiments, as shown in fig. 8, on the basis of the device-assisted transaction amount processing apparatus described in the above embodiments, the apparatus may further include:

a withdrawal request receiving module 66, configured to receive a withdrawal request sent by the self-service device;

a customer category determining module 67, configured to determine, according to a first customer identifier of a customer requesting to withdraw money this time carried in the money withdrawal request, whether the customer requesting to withdraw money this time belongs to the target customer;

a first obtaining module 68, configured to obtain a first withdrawal amount unit stored in association with the first client identifier when the withdrawal requesting client belongs to the target client;

a second obtaining module 69, configured to obtain a default money withdrawal amount configured for the self-service device when the current request money withdrawal client does not belong to the target client, and determine the default money withdrawal amount as a first money withdrawal amount of the current request money withdrawal client;

the first money amount output module 610 is configured to output the first money amount.

Alternatively, in further embodiments, the apparatus may also include:

the withdrawal amount verification module is used for verifying whether the withdrawal amount requested at this time carried by the withdrawal request exceeds the first withdrawal amount;

and the withdrawal request processing module is used for controlling the self-service equipment to determine whether to respond to the withdrawal request according to the obtained verification result.

In still other embodiments, the apparatus may further include:

an adjustment request acquisition module, configured to acquire an adjustment request for the target money amount of the target customer;

the adjustment request analysis module is used for analyzing the adjustment request to obtain the client identification of the target client;

the information acquisition module is used for acquiring customer attribute information associated with the customer identifier, historical behavior information in a second historical duration and a historical transaction record;

the adjustment request processing module is used for determining whether the current credit line of the target client meets the adjustment requirement of the withdrawal line amount according to the client attribute information, the historical behavior information and the historical transaction record;

and the adjustment request response module is used for responding to the adjustment request under the condition that the current credit line of the target client meets the withdrawal line adjustment requirement.

It should be noted that, various modules, units, and the like in the embodiments of the foregoing apparatuses may be stored in the memory as program modules, and the processor executes the program modules stored in the memory to implement corresponding functions, and for the functions implemented by the program modules and their combinations and the achieved technical effects, reference may be made to the description of corresponding parts in the embodiments of the foregoing methods, which is not described in detail in this embodiment.

The present application further provides a storage medium, where a program is stored, and when the program is executed by a processor, the steps of the method for processing a transaction amount of a self-service device are implemented, and a specific implementation process may refer to descriptions of corresponding parts in the above method embodiments, which are not described in detail in this embodiment.

Referring to fig. 9, a hardware structure diagram of an alternative example of the computer device proposed in the present application may include: at least one communication interface 91, at least one memory 92, and at least one processor 93, wherein:

the communication interface 91, the memory 92 and the processor 93 may all be connected to a communication bus to realize mutual data interaction, and the present application does not describe the connection relationship of the lines inside the computer device in detail, and may be determined according to the communication requirements of the actual application scenario.

The communication interface 91 may include an interface of a communication module, such as a GSM module, a WIFI module, an interface for implementing data communication of a mobile communication network (such as a 5G network or a 6G network), and in practical applications, it may be used to implement data interaction with other devices, such as transmitting image information, fingerprint information, account password value, and the like of a withdrawal customer captured by an image acquirer.

According to actual needs, the communication interface 91 may further include interfaces such as a USB interface, a serial/parallel interface, and the like, for implementing data interaction between internal components of the device, such as various intermediate data, input parameters, and the like generated or required in the implementation process of the self-service device transaction amount processing method provided by the present application, which may be determined according to requirements of an actual application scenario, and details of the present application are not described in detail.

The memory 92 may store a program formed by a plurality of instructions for implementing the self-service device transaction amount processing method provided by the embodiment of the present application, and the processor 93 calls and loads the program stored in the memory 92, so as to implement the self-service device transaction amount processing method provided by the embodiment of the present application, and the specific implementation process may refer to, but is not limited to, the following description of the corresponding embodiment.

In the present embodiment, the memory 92 may include high speed random access memory, and may also include non-volatile memory, such as at least one magnetic disk storage device or other volatile solid state storage device. The processor 93 may be a Central Processing Unit (CPU), an application-specific integrated circuit (ASIC), a Digital Signal Processor (DSP), an Application Specific Integrated Circuit (ASIC), an off-the-shelf programmable gate array (FPGA), or other programmable logic devices.

In some embodiments provided by the present application, the computer device provided by the present application may be a service device or a self-service device, the product type of the computer device is not limited in the present application, and if the computer device is a self-service device, the computer device may further include an input component, an image collector, a display screen, a fingerprint sensor, a voice player, and the like.

The image collector can be a camera integrated in self-service equipment or an independent camera, the product type of the image collector is not limited in the application, the image collector can be determined according to the requirements of an actual application scene, but the shooting lens of the image collector is required to face a current withdrawal client, and at least the face image of the current withdrawal client can be shot, but the image collector is not limited to the above, can be determined according to the specific implementation mode of identity recognition, and the detailed description is not given in the application.

It should be understood that the structure of the computer device described in the above embodiments of the present application does not constitute a limitation to the computer device in the embodiments of the present application, and in practical applications, the computer device may include more or less components than the structure described in the above embodiments, or may combine some components, such as at least one output device, such as a speaker, a vibration mechanism, a lamp, etc., and the present application is not listed here.

As shown in fig. 10, a schematic structural diagram of an embodiment of a self-service device transaction amount processing system provided by the present application may include at least one service device 101, at least one self-service device 102, and a data storage device 103, where:

if the self-service device 102 is the computer device described in the above embodiment, the description of the corresponding parts of the above embodiment may be referred to for the composition structure of the self-service device, and details are not repeated.

If the service device 101 is a computer device as described in the above embodiments, the self-service device 102 may be configured to: the method comprises the steps of obtaining a withdrawal request initiated by a target client, sending the withdrawal request to the service equipment, receiving a verification result of whether the withdrawal amount of the request fed back by the service equipment exceeds a target withdrawal amount of the target client, and determining whether to respond to the withdrawal request according to the verification result. The specific implementation process of the self-service device transaction amount processing method provided by the application, which is implemented by the mutual cooperation of the self-service device and the service device, can refer to the description of the corresponding parts of the above embodiments, and is not described again.

It should be understood that the structural components of the system proposed in the present application are not limited to the above listed components, as shown in fig. 10, and may further include a queuing device, a public security management system, various service terminals, and the like, which may be specifically determined according to a specific application scenario of the self-service device transaction amount processing method, and the present application is not described in detail herein.

Finally, it should be noted that, in the present specification, the embodiments are described in a progressive or parallel manner, each embodiment focuses on differences from other embodiments, and the same and similar parts among the embodiments may be referred to each other. The device, the computer device and the system disclosed by the embodiment correspond to the method disclosed by the embodiment, so that the description is simple, and the relevant points can be referred to the method part for description.

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

1. A self-service equipment transaction amount processing method is characterized by comprising the following steps:

obtaining the average withdrawal amount of the target customer in each time within the first historical time length according to the total withdrawal amount and the withdrawal times;

carrying out average operation on the extracted multiple excess withdrawal amounts to obtain an average excess withdrawal amount;

determining a withdrawal amount proportional coefficient of the target customer according to the ratio of the average excess withdrawal amount to the average withdrawal amount at each time;

determining the product of the withdrawal amount proportionality coefficient and the periodic average withdrawal amount as a target withdrawal amount of each target customer for the self-service equipment in the preset time period;

the target withdrawal amount is used for indicating the maximum withdrawal amount of the target customer on the self-service equipment or indicating whether the self-service equipment responds to a withdrawal request initiated by the target customer.

2. The method of claim 1, wherein storing the target withdrawal amount in association with a customer identification of a target customer comprises:

3. The method of claim 1, further comprising:

receiving a withdrawal request sent by the self-service equipment;

if not, acquiring a default money withdrawal amount configured for the self-service equipment, and determining the default money withdrawal amount as a first money withdrawal amount of the customer requesting money withdrawal;

4. The method of claim 1, further comprising:

and if so, responding to the adjustment request.

5. A self-service device transaction amount processing device, the device comprising:

the system comprises an average withdrawal amount obtaining module for each time, a total withdrawal amount obtaining module and a withdrawal time obtaining module, wherein the average withdrawal amount obtaining module is used for inquiring historical withdrawal records of a target customer in a first historical duration to obtain the total withdrawal amount and the withdrawal times of the target customer; obtaining the average withdrawal amount of the target customer in each time within the first historical time length according to the total withdrawal amount and the withdrawal times;

the target withdrawal amount obtaining module is used for inquiring a historical withdrawal record of the target client in a first historical duration, and extracting an excess withdrawal amount exceeding a preset withdrawal amount of self-service equipment in the withdrawal amount of the target client in each preset time period, wherein the preset withdrawal amount refers to the maximum withdrawal amount of the client allowed in the preset time period; carrying out average operation on the extracted multiple excess withdrawal amounts to obtain an average excess withdrawal amount; determining a withdrawal amount proportional coefficient of the target customer according to the ratio of the average excess withdrawal amount to the average withdrawal amount at each time; determining the product of the withdrawal amount proportion coefficient and the periodic average withdrawal amount as a target withdrawal amount of the target customer on the self-service equipment within the preset time period;

6. A computer device, characterized in that the computer device comprises: at least one communication interface, at least one memory, and at least one processor, wherein:

the memory is used for storing a program for realizing the self-service equipment transaction amount processing method according to any one of claims 1 to 4;

the processor is used for loading and executing the program stored in the memory so as to realize the steps of the self-service equipment transaction amount processing method according to any one of claims 1 to 4.

7. A self-service device transaction amount processing system, the system comprising:

at least one service device;

a data storage device for storing a transaction record of a customer;

at least one self-service device;

the self-service device is a computer device as claimed in claim 6; alternatively, the first and second electrodes may be,

the service device is the computer device as claimed in claim 6, wherein the self-service device is configured to obtain a withdrawal request initiated by a target customer, send the withdrawal request to the service device, receive a verification result that is fed back by the service device and indicates whether a withdrawal amount requested this time exceeds a target withdrawal amount of the target customer, and determine whether to respond to the withdrawal request according to the verification result.