CN112365254A

CN112365254A - Virtual account-based card-free cash withdrawal method and device and storage medium

Info

Publication number: CN112365254A
Application number: CN202011309652.5A
Authority: CN
Inventors: 马卓
Original assignee: Individual
Current assignee: Zhejiang Chengchengzhidao Technology Co ltd
Priority date: 2020-11-20
Filing date: 2020-11-20
Publication date: 2021-02-12

Abstract

The invention relates to the technical field of computers, in particular to a virtual account-based card-free cash withdrawal method, a virtual account-based card-free cash withdrawal device and a virtual account-based card-free cash withdrawal storage medium. The main technical scheme of the application is as follows: receiving a withdrawal request sent by an intelligent terminal, wherein the withdrawal request comprises withdrawal information, and the withdrawal information comprises: the automatic teller machine comprises a self-service teller equipment number, a teller bank number, a teller virtual account number and a teller amount; carrying out withdrawal verification on withdrawal information according to the withdrawal request; if the withdrawal information is verified, sending a payment request to the intelligent terminal, confirming that the intelligent terminal completes payment authorization, carrying out account deduction processing on the withdrawal virtual account, and sending the corresponding withdrawal request to a withdrawal bank server so that the withdrawal bank server informs the self-service withdrawal equipment to execute a withdrawal operation; and verifying according to the withdrawal result information of the self-service withdrawal equipment sent by the withdrawal bank server, and executing corresponding financial processing operation after verification. According to the method and the device, the cash withdrawal operation can be still executed under the condition that the bank card is not carried.

Description

Virtual account-based card-free cash withdrawal method and device and storage medium

Technical Field

The present application relates to the field of computer technologies, and in particular, to a virtual account-based card-less cash withdrawal method, device, and storage medium.

Background

With the popularization of electronic money, people mostly use intelligent terminals (such as mobile phones) in life to complete various transactions through code scanning payment means such as payment treasures, WeChat, mobile banking and the like.

However, because of this, people are not used to carry cash and bank cards at ordinary times, and in some scenes that only cash transaction is allowed (such as some hospitals that need cash recharge, highway gas stations that need cash refueling, other regions and shops that do not popularize electronic payment, etc.), people are faced with the situation that normal transaction cannot be performed.

At present, two main channels of counter cash withdrawal and ATM cash withdrawal (self-service withdrawal equipment) cash withdrawal are available in a bank cash withdrawal mode, the two channels support only the bank cash withdrawal with a card and the bank cash withdrawal without a card, and the bank cash withdrawal with a card is available in other banks. That is, any atm only supports the cardless cash withdrawal operation of the bank account. If the user cannot find the corresponding automatic teller machine of the bank card held by the user or the automatic teller machine is in a far place, the user cannot carry out the card-free withdrawal.

Disclosure of Invention

The application provides a virtual account-based card-free cash withdrawal method, a virtual account-based card-free cash withdrawal device and a virtual account-based card-free cash withdrawal storage medium, so as to solve the problem that only the card-free cash withdrawal of a bank is supported in the existing card-free cash withdrawal technology.

According to one aspect of the application, a first virtual account-based card-free cash withdrawal method is provided, and comprises the following steps:

receiving a first withdrawal request sent by an intelligent terminal, wherein the first withdrawal request comprises first withdrawal information, and the first withdrawal information comprises: the automatic teller machine comprises a self-service teller equipment number, a teller bank number, a teller virtual account number and a teller amount; performing withdrawal verification on the first withdrawal information according to the first withdrawal request; if the first withdrawal information is verified to pass, a payment request is sent to the intelligent terminal, the fact that the intelligent terminal completes payment authorization is confirmed, account deduction processing is conducted on the withdrawal virtual account, a second withdrawal request is sent to a withdrawal bank server, the second withdrawal request comprises second withdrawal information, and the second withdrawal information comprises: the number of the self-service drawing device and the drawing amount are used for enabling the drawing bank server to inform the self-service drawing device to execute the drawing operation; and verifying according to the withdrawal result information of the self-service withdrawal device sent by the withdrawal bank server, and executing financial processing operation on the withdrawal bank and/or the withdrawal virtual account after verification.

In one embodiment, performing withdrawal verification on the first withdrawal information according to the first withdrawal request comprises: extracting a withdrawal virtual account number and a withdrawal amount from the first withdrawal information;

and verifying the withdrawal virtual account number.

In one embodiment, performing withdrawal verification on the first withdrawal information according to the first withdrawal request comprises: extracting a withdrawal amount from the first withdrawal information;

and verifying whether the withdrawal amount exceeds a specified withdrawal threshold value.

In one embodiment, confirming that the smart terminal completes payment authorization includes: verifying the intelligent terminal dynamic certificate; and/or to validate static credentials.

In one embodiment, confirming that the intelligent terminal completes payment authorization, and performing debit account processing on the withdrawal virtual account includes: and after the money drawing virtual account is deducted, the deduction result information is sent to the intelligent terminal.

In one embodiment, confirming that the intelligent terminal completes payment authorization, and performing debit account processing on the withdrawal virtual account includes: the processing of detaining accounts includes the channel of detaining accounts, and the channel of detaining accounts includes: the virtual account, the virtual account binding bank card, the third party payment platform, the loan platform or the financial product.

In one embodiment, confirming that the intelligent terminal completes payment authorization, and performing debit account processing on the withdrawal virtual account includes:

deducting the account amount, and transferring the account amount into a financial institution or a financial institution account of a virtual account platform; or

And (4) deducting the amount of money, and freezing the amount of money under the account number of the withdrawal virtual account.

In an embodiment, the verifying according to the withdrawal result information fed back by the withdrawal bank server, and performing the accounting processing operation on the withdrawal bank and/or the withdrawal virtual account after the verifying includes: and if the withdrawal result information is verified to be failed, returning the account deducting fund to the withdrawal virtual account number or the original account deducting channel according to the withdrawal result information.

In an embodiment, the present application further provides a first virtual account-based cardless cash withdrawal processing apparatus, including:

the receiving request unit is used for receiving a first withdrawal request sent by the intelligent terminal, the first withdrawal request comprises first withdrawal information, and the first withdrawal information comprises: the automatic teller machine comprises a self-service teller equipment number, a teller bank number, a teller virtual account number and a teller amount;

the withdrawal verification unit is used for performing withdrawal verification on the first withdrawal information according to the first withdrawal request;

the payment verification unit is used for sending a payment request to the intelligent terminal after the first withdrawal information is verified to pass, confirming that the intelligent terminal completes payment authorization and carrying out account deduction processing on the withdrawal virtual account;

a sending request unit, configured to send a second withdrawal request to a withdrawal bank server, where the second withdrawal request includes second withdrawal information, and the second withdrawal information includes: the number of the self-service drawing device and the drawing amount are used for enabling the drawing bank server to inform the self-service drawing device to execute the drawing operation;

and the accounting unit is used for verifying the withdrawal result information of the self-service withdrawal equipment sent by the withdrawal bank server and executing accounting processing operation on the withdrawal bank and/or the withdrawal virtual account after verification.

In one embodiment, a first virtual account-based cardless cash withdrawal processing apparatus includes:

and the transaction recording unit is used for recording the financial information generated in the withdrawal transaction process.

In one embodiment, a transaction recording unit includes:

and the electronic money recording unit is used for storing the code information of the digital money when the digital money is used for deducting accounts or transferring accounts in the process of withdrawing money.

and the withdrawal transaction code generating unit is used for generating the unique identification code of the withdrawal transaction.

and the geographic position sending unit is used for calling database information and sending the address information of the automatic teller equipment near the designated position of the intelligent terminal after receiving the request of the designated position information and the address position information of the automatic teller equipment sent by the intelligent terminal.

In one embodiment, a payment verification unit includes:

and the payment calculation unit is used for calculating the calculation cost, the procedure cost or other costs in the payment request.

In one embodiment, a payment verification unit includes:

and a currency conversion unit for performing ratio conversion between the cash-out currency and the account deduction currency when the cash-out currency unit is not consistent with the account deduction currency unit.

In one embodiment, a withdrawal verification unit includes:

the withdrawal information unit is used for withdrawing the withdrawal virtual account number and the withdrawal amount from the first withdrawal information;

and the verification unit is used for verifying the withdrawal virtual account number.

In one embodiment, a payment verification unit includes:

the dynamic certificate verification unit is used for verifying the dynamic certificate of the intelligent terminal; and/or

And the static certificate checking unit is used for checking the static certificate.

In an embodiment, a second virtual account-based cardless cash withdrawal processing method is further provided, including: receiving a withdrawal request sent by a virtual account server, wherein the withdrawal request contains withdrawal information, and the withdrawal information comprises: a self-service withdrawal device number and a withdrawal amount; verifying the withdrawal information based on the withdrawal request; if the withdrawal information passes the verification, sending notification information to the self-service withdrawal equipment through an internal communication network so that the self-service withdrawal equipment executes the withdrawal operation; whether the self-service withdrawal device normally executes the card-free withdrawal operation or not is detected, withdrawal result information is sent to the virtual account server, and the virtual account server executes financial processing operation on the withdrawal bank and/or the withdrawal virtual account according to the withdrawal result information.

In one embodiment, a second virtual account-based cardless cash withdrawal processing apparatus is provided, including: the receiving unit is used for receiving a withdrawal request sent by the virtual account server, wherein the withdrawal request contains withdrawal information, and the withdrawal information comprises: a self-service withdrawal device number and a withdrawal amount; the verification unit is used for verifying the withdrawal information based on the withdrawal request; the notification unit is used for sending notification information to the self-service drawing equipment through an internal communication network after the drawing information passes the verification so as to enable the self-service drawing equipment to execute the drawing operation; the detection unit is used for detecting whether the self-service withdrawal device normally executes the card-free withdrawal operation; and the sending unit is used for sending the withdrawal result information to the virtual account server so that the virtual account server executes financial processing operation on the withdrawal bank and/or the withdrawal virtual account according to the withdrawal result information.

In an embodiment, a second virtual account-based cardless cash withdrawal processing method is further provided, including:

and the accounting handling unit is used for executing the accounting operation of the cardless cash withdrawal.

In an embodiment, a third virtual account-based cardless cash withdrawal processing method is further provided, including:

based on the notification information of the withdrawal bank server, executing a withdrawal operation and detecting whether the withdrawal operation is normally executed by the equipment; and sending the detection information to a withdrawal bank server so that the withdrawal bank server sends withdrawal result information to the virtual account server, wherein the withdrawal result information is used for executing financial processing operation on the withdrawal bank and/or the withdrawal virtual account after the virtual account server verifies the withdrawal result information.

In an embodiment, there is provided a self-service withdrawal device comprising: the notification receiving unit is used for receiving notification information sent by the withdrawal bank server; the self-detection unit is used for executing the withdrawal operation and detecting whether the self equipment normally executes the withdrawal operation or not based on the notification information of the withdrawal bank server; and the withdrawal result sending unit is used for sending the detection information to the withdrawal bank server so as to enable the withdrawal bank server to send withdrawal result information to the virtual account server, and the withdrawal result information is used for executing financial processing operation on the withdrawal bank and/or the withdrawal virtual account after the virtual account server verifies the withdrawal result information.

In one embodiment, a virtual account based cardless cash withdrawal processing system is provided, comprising: the system comprises an intelligent terminal, a virtual account server, a withdrawal bank server and self-service withdrawal equipment;

the intelligent terminal can perform data interaction with the virtual account server, the virtual account server can perform data interaction with the withdrawal bank server, and the withdrawal bank server can perform data interaction with the self-service withdrawal device;

the intelligent terminal is used for sending a first withdrawal request to the virtual account server, the first withdrawal request comprises first withdrawal information, and the first withdrawal information comprises: the automatic teller machine comprises a self-service teller equipment number, a teller bank number, a teller virtual account number and a teller amount;

the virtual account server is used for receiving a first withdrawal request sent by the intelligent terminal and carrying out withdrawal verification on the first withdrawal information according to the first withdrawal request; if the first withdrawal information is verified to pass, a payment request is sent to the intelligent terminal, the fact that the intelligent terminal completes payment authorization is confirmed, account deduction processing is conducted on the withdrawal virtual account, a second withdrawal request is sent to a withdrawal bank server, the second withdrawal request comprises second withdrawal information, and the second withdrawal information comprises: a self-service withdrawal device number and a withdrawal amount; verifying according to withdrawal result information of the self-service withdrawal device sent by a withdrawal bank server, and executing financial processing operation on a withdrawal bank and/or a withdrawal virtual account after verification;

the withdrawal bank server is used for receiving a second withdrawal request sent by the virtual account server and verifying second withdrawal information based on the second withdrawal request; if the second withdrawal information passes the verification, sending notification information to the self-service withdrawal device through an internal communication network so that the self-service withdrawal device executes a withdrawal operation; detecting whether the self-service withdrawal device normally executes the card-free withdrawal operation, and sending withdrawal result information to a virtual account server;

the automatic teller machine is used for executing a money withdrawing operation and detecting whether the automatic teller machine normally executes the money withdrawing operation or not based on the notification information of the money withdrawing bank server; and sending the detection information to a withdrawal bank server.

In an embodiment, there is further provided an electronic device, including a memory, a processor, and a computer program stored on the memory and executable on the processor, where the processor executes the computer program to implement any one of the above methods for processing without card cash retrieval.

In an embodiment, there is further provided a computer-readable storage medium having a computer program stored thereon, the computer program, when executed by a processor, implementing any of the above-described cardless cash-retrieval processing methods.

According to the cardless cash withdrawal method, the cardless cash withdrawal device and the storage medium, the cardless cash withdrawal request initiated by the user is received through the virtual account, data and financial affairs processing is carried out on the cash withdrawal bank server, cash withdrawal transaction relation between the user and the cash withdrawal bank is established by utilizing the interactivity of the virtual account platform, cardless cash withdrawal operation of the user on self-service cash withdrawal equipment is achieved, the problem that the user only supports cardless cash withdrawal in the current bank is solved, and the convenience of cardless cash withdrawal is improved.

Drawings

In order to more clearly illustrate the embodiments of the present invention or the technical solutions in the prior art, the drawings used in the description of the embodiments or the prior art will be briefly described below, it is obvious that the drawings in the following description are only some embodiments of the present invention, and for those skilled in the art, other drawings can be obtained according to the drawings without creative efforts.

Fig. 1 is a block diagram of a first cardless cash-retrieval processing system according to an embodiment of the present application.

Fig. 2 is a block diagram of a second cardless cash-retrieval processing system according to an embodiment of the present application.

Fig. 3 is a structural diagram of an intelligent terminal in a cardless cash withdrawal processing system according to an embodiment of the present application.

Fig. 4 is a block diagram of a virtual account server in a cardless cash withdrawal processing system according to an embodiment of the present application.

Fig. 5 is a block diagram of a withdrawal bank server in a cardless cash withdrawal processing system according to an embodiment of the present application.

Fig. 6 is a flowchart of a first cardless cash-out processing method according to an embodiment of the present application.

Fig. 7 is a configuration diagram of a first cardless cash-retrieval processing apparatus according to an embodiment of the present application.

Fig. 8 is a flowchart of a second cardless cash-out processing method according to an embodiment of the present application.

Fig. 9 is a structural diagram of a second cardless cash-retrieval processing apparatus according to an embodiment of the present application.

Fig. 10 is a flowchart of a third cardless cash-out processing method according to an embodiment of the present application.

Fig. 11 is a block diagram of an automated teller machine according to an embodiment of the present application.

Fig. 12 is a system configuration diagram of a cardless cash-retrieval processing method according to an embodiment of the present application.

Fig. 13 is a schematic system interaction flow diagram of a cardless cash withdrawal processing method according to an embodiment of the present application.

Fig. 14 is a specific implementation of an electronic device of a cardless cash-out processing method in an embodiment of the present application.

Detailed Description

The technical solutions in the embodiments of the present invention will be clearly and completely described below with reference to the drawings in the embodiments of the present invention, and it is obvious that the described embodiments are only a part of the embodiments of the present invention, 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 invention.

At present, the mode of withdrawing money from a bank by a customer includes two main channels of counter cash withdrawal and self-service equipment cash withdrawal, the two channels support card cash withdrawal and card-free cash withdrawal, and other banks have cards to withdraw cash, and at present, the card-free cash withdrawal scheme in the prior art is limited to be carried out in the same bank. That is, any atm only supports the cardless cash withdrawal operation of the bank account. If the user cannot find the corresponding automatic teller machine with the own bank card or the automatic teller machine is in a far place, the user cannot get the cash without the card. Based on this, the application provides a virtual account-based card-free cash withdrawal processing system.

The cash withdrawal is called as withdrawing money, withdrawing money and the like, and the cash withdrawal and the money withdrawal are called as withdrawing cash and withdrawing cash.

As shown in fig. 1, the cardless cash-out request processing system includes: the system comprises an intelligent terminal 1, a virtual account server 2, a withdrawal bank server 3 and an Automatic Teller Machine (ATM) 4.

The intelligent terminal 1 can perform data interaction with the virtual account server 2, the virtual account server 2 can perform data interaction with the withdrawal bank server 3, and the withdrawal bank server 3 can perform data interaction with the self-service withdrawal device 4.

The intelligent terminal 1 can be a smart phone, a tablet computer or other similar mobile equipment with a wireless communication module, and a camera is installed on the equipment. Besides conventional modules such as a keyboard, a display screen, a wireless communication module, and the like, the intelligent terminal 1 further includes some functional modules, and these modules may be made into app software and deployed on a smart phone, a tablet computer, or other similar devices, or may be deployed on the intelligent terminal 1 as hardware devices. The intelligent terminal 1 is provided with an encryption and decryption module 11, and is used for sending a first withdrawal request to the virtual account server 2, receiving an information packet returned by the virtual account server 2, and encrypting and decrypting data.

The virtual account server 2 performs data interaction with the intelligent terminal 1 and the withdrawal bank server 3 directly or through a third-party server. (in an embodiment, as shown in fig. 2, the virtual account server 2 performs information interaction with the withdrawal bank server 3 through the third party server 5.) the virtual account server 2 is responsible for receiving and processing a first withdrawal request, where the request includes first withdrawal information, where the first withdrawal information includes, but is not limited to, a self-service withdrawal device number, a withdrawal bank number, a withdrawal virtual account number, a withdrawal amount, and the like, and if the first withdrawal request passes verification through the virtual account server 2, the virtual account server sends a payment request to the intelligent terminal 1, confirms that the intelligent terminal 1 completes payment authorization, and performs payment deduction processing on the withdrawal virtual account; sending a second withdrawal request to the withdrawal bank server 3, wherein the second withdrawal information includes but is not limited to a self-service withdrawal device number and a withdrawal amount; and verifying according to withdrawal result information of the self-service withdrawal device 4 sent by the withdrawal bank server 3, and executing financial processing operation on the withdrawal bank and/or the withdrawal virtual account after verification. In an embodiment, the withdrawal result information is sent to the virtual account server by the withdrawal bank server 3 according to the detection information (withdrawal information) sent by the self-service withdrawal device 4.

The virtual account server 2 includes, but is not limited to, unions, VISAs, other domestic foreign financial institutions, non-banking financial institutions, policy banks, domestic foreign country local network organizations, and the like.

The withdrawal bank server 3 is responsible for data interaction with the self-service withdrawal device 4. The withdrawal bank server 3 is responsible for receiving a second withdrawal request sent by the virtual account server 2, and the second withdrawal information includes but is not limited to a self-service withdrawal device number and a withdrawal amount; verifying the second withdrawal information based on the second withdrawal request; if the second withdrawal information passes the verification, sending notification information to the self-service withdrawal device 4 through an internal communication network so that the self-service withdrawal device 4 executes a withdrawal operation; whether the self-service withdrawal device 4 normally executes the card-free withdrawal operation is detected, and withdrawal result information is sent to the virtual account server 2.

The self-service withdrawal device 4 performs data interaction with the withdrawal bank server 3, and is used for executing a withdrawal operation and detecting whether the self device normally executes the withdrawal operation based on the notification information of the withdrawal bank server 3; and sending the detection information to the withdrawal bank server 3. The self-service money drawing device 4 is provided with an automatic money drawing machine, a self-service money drawing machine, a teller machine, an ATM (automatic Teller machine), a self-service money cabinet, a self-service money depositing and withdrawing machine and other names, and the self-service money drawing device 4 and the other names are all general names of all devices which enable a customer to draw cash through the machine.

As shown in fig. 3, the intelligent terminal 1 further includes a password verification module 12, which is responsible for verifying the identity of a withdrawal customer, when the customer initiates a withdrawal application to the virtual account, the customer may input a static password, a dynamic verification code, a short message verification code, or perform a fingerprint identification, a face identification, an iris identification, a voiceprint, or other biological information to verify the identity, and the withdrawal operation may be continued until the identity is verified, otherwise, a prompt message indicating that the verification fails is displayed. In a specific embodiment, if the entered information is wrong, the entry is prompted again, and if the number of wrong times reaches the upper limit, the corresponding account is locked.

The intelligent terminal 1 further comprises a withdrawal module 13, a customer initiates a withdrawal request through the withdrawal module, and a two-dimensional code or a graphic code displayed by the self-service withdrawal device 4 is scanned, or a two-dimensional code corresponding to the self-service withdrawal device 4 is scanned, or a serial number displayed by the self-service withdrawal device 4 and a serial number of a withdrawal bank are manually input, or information and the like are obtained through a short message and a social platform link. In one embodiment, to reduce the error operation and the cash withdrawal not performed on the corresponding automatic teller machine, the user needs to complete the guiding operation prompted on the automatic teller machine 4, and the user can obtain the corresponding withdrawal information, which includes but is not limited to the serial number of the automatic teller machine, the serial number of the withdrawal bank, and the like.

The first withdrawal information may include, but is not limited to including: the number of the self-service terminal equipment, the number of a withdrawal bank, a virtual account number, the withdrawal amount and the like; in a specific embodiment, the system can further include address and location information, country or region of the location where the money is withdrawn, the number of money withdrawals on the day, and the like; the transaction message composed of the withdrawal information is encrypted and transmitted through the intelligent terminal encryption and decryption module 11.

As shown in fig. 4, the virtual account server 2 includes a data transceiving unit 21, a checking unit 22, and an accounting processing unit 23.

The data transceiving unit 21 is responsible for performing secure interaction of data with the intelligent terminal 1 and the withdrawal bank server 3, and encrypting and decrypting the interactive data.

The checking unit is responsible for processing the first card-free cash withdrawal request submitted by the withdrawal module 13, and performing relevant checking according to the card-free cash withdrawal request, such as whether the withdrawal amount exceeds a specified threshold value on the day, whether a withdrawal bank number is registered, and the like.

The accounting processing unit 23 is responsible for performing accounting processing on the withdrawal virtual account and the withdrawal bank.

As shown in fig. 5, the withdrawal bank server 3 includes a data transceiving unit 31, an information verifying unit 32, and a monitoring unit 33.

The data transceiver unit 31 of the withdrawal bank server 3 is responsible for data security interaction between the withdrawal bank server 3 and the self-service withdrawal device 4, and encrypting and decrypting interactive data.

And the information verification unit 32 is configured to verify the second withdrawal information based on the second withdrawal request.

The data transceiver unit 31 receives a second withdrawal request sent by the virtual account server 2; the second withdrawal request includes second withdrawal information, and the second withdrawal information includes but is not limited to: the number of the self-service drawing device and the drawing amount. The monitoring unit 33 is configured to detect whether the self-service teller device 4 normally performs the current card-free cash withdrawal operation, and then the data transceiver unit 31 sends withdrawal result information to the virtual account server 2, so that the virtual account server 2 performs a financial processing operation on a withdrawal bank and/or a withdrawal virtual account according to the withdrawal result information.

The present application provides a first virtual account-based cardless cash withdrawal processing method based on the above cardless cash withdrawal system, as shown in fig. 6, the method includes:

s601: the virtual account server receives a first withdrawal request sent by the intelligent terminal, the first withdrawal request comprises first withdrawal information, and the first withdrawal information comprises: the system comprises a self-service drawing device number, a drawing bank number, a drawing virtual account number and a drawing amount.

In one embodiment, the customer has an account with a virtual account, wants to withdraw money, but does not have a bank card on his body, and wants to have a card-free cash withdrawal on an ATM (self-service withdrawal device 4) of a bank (withdrawal bank) nearby. The customer scans the two-dimensional code or graphic code displayed by the self-service withdrawal device 4, or scans the two-dimensional code corresponding to the self-service withdrawal device 4, or manually inputs the serial number displayed by the self-service withdrawal device 4 and the serial number of a withdrawal bank, or obtains information and the like through short messages and social platform links. In a specific embodiment, the withdrawal module 13 on the mobile phone uploads the acquired first withdrawal information to the virtual account server 2 to initiate a card-free withdrawal request, and the data transceiver unit 21 in the virtual account server 2 receives the card-free withdrawal request sent by the intelligent terminal.

S602: and the virtual account server performs withdrawal verification on the first withdrawal information according to the first withdrawal request.

In an embodiment, the checking unit 22 in the virtual account server 2 performs the relevant withdrawal verification after receiving the first withdrawal request, for example, determining whether the withdrawal amount of the day exceeds a specified threshold, whether a serial number of a withdrawal bank exists, and the like.

S603: the virtual account server sends a payment request to the intelligent terminal if the first withdrawal information is verified to pass, confirms that the intelligent terminal completes payment authorization, deducts account from the withdrawal virtual account, sends a second withdrawal request to the withdrawal bank server, wherein the second withdrawal request comprises second withdrawal information, and the second withdrawal information comprises: the number of the self-service drawing device and the drawing amount are used for enabling the drawing bank server to inform the self-service drawing device to execute the drawing operation.

In a specific embodiment, if the first withdrawal information is verified, the accounting processing unit 23 in the virtual account server 2 sends the payment request to the intelligent terminal 1 through the data transceiving unit 21, and the intelligent terminal 1 completes payment authorization, wherein the payment authorization verification may input a static password, a dynamic verification code, a short message verification code, and the like, and may also perform verification on biological information such as fingerprint identification, face identification, iris identification, voiceprint, and the like. After confirming that the payment authorization verification is completed, the accounting processing unit 23 performs a deduction process on the withdrawal virtual account. The data transceiver 21 sends a second withdrawal request to the withdrawal bank server 3, and the second withdrawal information includes but is not limited to: the number of the self-service drawing device and the drawing amount. In an embodiment, the second withdrawal request may be identical to the first withdrawal request, including that the first withdrawal information is identical to the second withdrawal information, i.e. the virtual account server 2 forwards the first withdrawal request to the withdrawal bank server 3. In an embodiment, the second withdrawal request further includes transferring funds, and specifically, the second withdrawal request is sent through the data transceiving unit 21 and the accounting processing unit 23, so as to avoid a situation of withdrawing bank funding.

S604: the virtual account server verifies according to withdrawal result information of the self-service withdrawal device sent by the withdrawal bank server, and performs financial processing operation on the withdrawal bank and/or the withdrawal virtual account after verification.

In an embodiment, the data transceiver 21 in the virtual account server 2 receives withdrawal result information of the self-service withdrawal device 4 sent by the withdrawal bank server 3, and the accounting processing unit 23 is responsible for verifying the withdrawal result information of the self-service withdrawal device 4 sent by the withdrawal bank server 3 and performing accounting processing operation on the withdrawal bank and/or the withdrawal virtual account according to the withdrawal result information of the self-service withdrawal device 4.

The method and the device execute the financial processing on the withdrawal bank, and the method and the device perform the financial processing on the withdrawal bank, wherein the financial processing comprises the steps of directly or indirectly performing deduction account transfer processing on the withdrawal bank, and the like, and the deduction account transfer processing on the withdrawal bank comprises the steps of directly performing deduction account transfer processing on the withdrawal bank or a financial institution account corresponding to the withdrawal bank.

The method comprises the steps of executing accounting processing on the withdrawal virtual account, including directly or indirectly executing deduction and account transfer processing on the withdrawal virtual account, including executing accounting processing on funds in the virtual account or by comparing with associated channels of the virtual account, wherein the associated channels include but are not limited to virtual account binding bank cards, third party payment platforms, loan platforms or financial management products and the like; in a specific embodiment, the comparison relationship between the association channel and the virtual account can be established by verifying the reserved information including the name, the password, the mobile phone number and the like in the account deduction channel.

In an embodiment, in S602, performing withdrawal verification on the first withdrawal information according to the first withdrawal request includes: extracting a withdrawal account number and a withdrawal amount from the first withdrawal information;

the withdrawal account number is verified.

In an embodiment, in S602, performing withdrawal verification on the first withdrawal information according to the first withdrawal request includes: extracting a withdrawal amount from the first withdrawal information;

In an embodiment, in S603, confirming that the smart terminal completes payment authorization includes: verifying the intelligent terminal dynamic certificate; and/or to validate static credentials.

In a specific embodiment, the dynamic credential includes a dynamic password, a short message verification code, a mail verification, and the like, the static credential includes a face image, a fingerprint, a voiceprint, an iris, and other biological features, a reserved password, and the like, which are captured by the intelligent terminal 1 through the biological feature recognition device, the dynamic credential includes a virtual account server generation transmission or an association channel generation forwarding for verification, and the static credential includes reserved information for comparison verification. In a specific embodiment, if the verification fails, a verification failure message is returned to the intelligent terminal, and if the payment verification failure times of the withdrawal transaction exceed a specified threshold, the transaction is terminated.

In an embodiment, in S603, confirming that the intelligent terminal completes payment authorization, and performing payment deduction processing on the withdrawal virtual account includes: and after the money drawing virtual account is deducted, the deduction result information is sent to the intelligent terminal 1.

In a specific embodiment, the withdrawal virtual account is deducted, if the deduction result is successful, the information of the success of the deduction result is sent to the intelligent terminal 1 through the data transceiver unit 21, otherwise, the information of the failure of the deduction result is sent to the intelligent terminal 1 through the data transceiver unit 21, and the information of the failure of the deduction result includes a failure reason, such as insufficient funds in the virtual account or the deduction channel.

In an embodiment, in S603, confirming that the intelligent terminal completes payment authorization, and performing payment deduction processing on the withdrawal virtual account includes: the processing of detaining accounts includes the channel of detaining accounts, and the channel of detaining accounts includes: the virtual account, the virtual account binding bank card, the third party payment platform, the loan platform or the financial product.

In one embodiment, the billing channels include, but are not limited to: the system comprises a virtual account, a virtual account binding bank card, a third party payment platform, a loan platform and a network financing product. The third party payment products mainly comprise a Paibao, a WeChat payment, a hundredth wallet, a PayPal and the like, and also comprise other possible third party payment products. The borrowing platform comprises a virtual account internal borrowing platform and a third party borrowing platform. Financial products include funds, stocks, foreign exchange, etc., and provide users with a variety of payment channels to choose from. In a specific embodiment, the contrast relationship between the account deduction channel and the virtual account number is established by verifying the reserved information in the account deduction channel, including name, password, mobile phone number and the like.

In an embodiment, in S603, confirming that the intelligent terminal 1 completes payment authorization, and performing payment deduction processing on the withdrawal virtual account includes:

In one embodiment, the withdrawal virtual account is deducted, and the deduction amount is directly used for transferring into a withdrawal bank.

In an embodiment, in S604, the verifying according to the withdrawal result information fed back by the withdrawal bank server, and performing an accounting operation on the withdrawal bank and/or the withdrawal virtual account after the verifying includes: and if the withdrawal result information is verified to be failed, returning the account deducting fund to the withdrawal virtual account number or the original account deducting channel address according to the withdrawal result information.

In an embodiment, after the account deduction processing, the accounting processing unit 23 stores the account deduction fund source address, and after the withdrawal failure, the accounting processing unit 23 returns the account deduction fund to the original account deduction address of the virtual account according to the withdrawal result information and the account deduction fund source address.

In an embodiment, in S604, the verification is performed according to withdrawal result information fed back by the withdrawal bank server 3, and an account handling operation is performed on the withdrawal bank and/or the withdrawal virtual account after the verification, including that specifically, if the withdrawal result information is verified to be failed, the withdrawal result information is that the self-service withdrawal device does not make a withdrawal, if the second withdrawal information does not include a transfer, the virtual account server 2 does not transfer money to the withdrawal bank in the transaction, and if the second withdrawal information includes a transfer money, the virtual account server 2 sends a charge deduction request to the withdrawal bank server;

specifically, if the withdrawal result information is verified to be failed, the withdrawal result information is that the self-service withdrawal device partially withdraws money (for example, the money does not reach the requested amount due to insufficient cash), if the second withdrawal information does not include transfer, the virtual account server 2 transfers the account money corresponding to the money withdrawal to the withdrawal bank, and if the second withdrawal information includes transfer, the virtual account server 2 sends a payment deduction request corresponding to the money withdrawal to the withdrawal bank server;

specifically, if the withdrawal result information is verified as successful, if the second withdrawal information does not include transfer, the virtual account server 2 transfers money to the withdrawal bank, and if the second withdrawal information includes transfer, the virtual account server 2 sends a charge deduction request to the withdrawal bank server 3.

Based on the withdrawal processing method, the present application provides a first virtual-account-based cardless cash withdrawal processing apparatus corresponding to the first virtual-account-based cardless cash withdrawal processing method, as shown in fig. 7, including:

a receiving request unit 701, configured to receive a first withdrawal request sent by the intelligent terminal 1, where the first withdrawal request includes first withdrawal information, and the first withdrawal information includes: the automatic teller machine comprises a self-service teller equipment number, a teller bank number, a teller virtual account number and a teller amount;

specifically, the acceptance request unit 701 may realize the function of the data transceiving unit 21.

A withdrawal verification unit 702, configured to perform withdrawal verification on the first withdrawal information according to the first withdrawal request.

Specifically, the withdrawal verification unit 702 may implement the function of the inspection unit 22.

And the payment verification unit 703 is configured to send a payment request to the intelligent terminal 1 when the first withdrawal information is verified to be passed, confirm that the intelligent terminal 1 completes payment authorization, and perform payment deduction processing on the withdrawal virtual account.

Specifically, the payment verification unit 703 may realize the functions of the data transceiving 21 and the accounting processing unit 23.

A sending request unit 704, configured to send a second withdrawal request to the withdrawal bank server 3, where the second withdrawal request includes second withdrawal information, and the second withdrawal information includes: the number of the self-service drawing device and the drawing amount, so that the drawing bank server 3 informs the self-service drawing device 4 to execute the drawing operation.

The accounting unit 705 is configured to perform verification according to withdrawal result information of the self-service withdrawal device 4 sent by the withdrawal bank server 3, and perform accounting processing operation on the withdrawal bank and/or the withdrawal virtual account after the verification.

Specifically, the accounting unit 705 may realize the function of the accounting processing unit 23.

In one embodiment, a transaction recording unit includes:

Digital currency, also known as virtual currency, electronic currency, and the like, includes: government issued digital currencies such as DCEP, etc.; electronic money such as bitcoins, etc., issued by non-government organizations.

and the withdrawal transaction code generating unit is used for generating the unique identification code of the withdrawal transaction. The card-free cash withdrawal transaction is convenient to manage and query, and specifically, the unique identification code comprises numbers, letters, characters and the like and is used for uniquely marking the card-free cash withdrawal transaction.

and the geographic position sending unit is used for calling database information and sending address information of the self-service drawing equipment near the specified position of the intelligent terminal 1 after receiving the request of the specified position information and the address position information of the self-service drawing equipment sent by the intelligent terminal 1. The method can be used for inquiring address information of the self-service withdrawal device near a specified position by a user.

In one embodiment, the payment verification unit 703 includes:

Specifically, other costs include: electronic reconciliation, withdrawal across lines, across institutions, etc.

In one embodiment, the payment verification unit 703 includes:

and the currency conversion unit is used for converting the amount of the cash-out currency and the amount of the account-deducting currency when the cash-out currency unit is not consistent with the account-deducting currency unit.

In one embodiment, the withdrawal verification unit 702 includes:

the withdrawal information unit is used for extracting a withdrawal virtual account number and a withdrawal amount from the withdrawal information;

In one embodiment, the payment verification unit 703 includes:

the dynamic certificate verification unit is used for verifying the dynamic certificate of the intelligent terminal 1; and/or

The present application further provides a second virtual account-based cardless cash-fetching processing method, as shown in fig. 8, including:

s801: a withdrawal bank server receives a withdrawal request sent by a virtual account server; wherein, contain withdrawal information in the withdrawal request, withdrawal information includes: the number of the self-service drawing device and the drawing amount.

Specifically, the data transceiver unit 31 of the withdrawal bank server 3 is responsible for receiving withdrawal requests sent by the virtual account server.

S802: and the withdrawal bank server verifies the withdrawal information based on the withdrawal request.

Specifically, the withdrawal bank server 3 information verification unit 32 is responsible for verifying withdrawal information.

S803: and if the withdrawal information passes the verification, the withdrawal bank server sends notification information to the self-service withdrawal equipment through the internal communication network so that the self-service withdrawal equipment executes the withdrawal operation.

Specifically, the withdrawal bank server 3 data transceiver unit 31 is responsible for sending notification information to the self-service withdrawal device.

S804: the withdrawal bank server detects whether the self-service withdrawal device normally executes the card-free withdrawal operation, and sends withdrawal result information to the virtual account server, so that the virtual account server executes financial processing operation on the withdrawal bank and/or the withdrawal virtual account according to the withdrawal result information.

Specifically, the data monitoring unit 33 of the withdrawal bank server 3 is responsible for detecting whether the self-service withdrawal device normally executes the current cardless withdrawal operation, and the transceiver unit 31 sends withdrawal result information (detection information) to the virtual account server, and directly forwards or processes the withdrawal result information and then sends the withdrawal result information to the virtual account server 5. In one embodiment, the transceiver unit 31 sends withdrawal result information (detection information) to the self-service withdrawal device 4, and sends the withdrawal result information with the added accounting processing time limit information to the virtual account server 5.

For the second virtual account-based cardless cash-out processing method, the present application also provides a second virtual account-based device, as shown in fig. 9, including:

a receiving unit 901, configured to receive a withdrawal request sent by the virtual account server 2; wherein, contain withdrawal information in the withdrawal request, withdrawal information includes: the number of the self-service drawing device and the drawing amount.

Specifically, the receiving unit 901 may realize the function of the data transceiving unit 31.

A verification unit 902, configured to verify the withdrawal information based on the withdrawal request.

Specifically, the verification unit 902 may implement the function of the information verification unit 32.

And the notification unit 903 is configured to send notification information to the self-service drawing device 4 through an internal communication network after the drawing information is verified, so that the self-service drawing device 4 performs a drawing operation.

Specifically, the notification unit 903 may implement the function of the data transceiving unit 31.

A detecting unit 904, configured to detect whether the self-service teller device 4 normally executes the card-free cash withdrawal operation.

In particular, the detection unit 904 may fulfill the function of the monitoring unit 33.

A sending unit 905, configured to send withdrawal result information to the virtual account server 2, so that the virtual account server 2 performs an accounting operation on the withdrawal bank and/or the withdrawal virtual account according to the withdrawal result information.

Specifically, the transmitting unit 905 may realize the function of the data transceiving unit 31.

In one embodiment, a second virtual account-based cardless cash withdrawal processing apparatus is further provided, including:

The present application further provides a third cardless cash withdrawal processing method based on withdrawal information, as shown in fig. 10, including:

s1001: the self-service withdrawal device executes a withdrawal operation and detects whether the self device normally executes the withdrawal operation based on the notification information of the withdrawal bank server.

S1002: the self-service withdrawal device sends the detection information to a withdrawal bank server so that the withdrawal bank server sends withdrawal result information to the virtual account server, and the withdrawal result information is used for performing financial processing operation on the withdrawal bank and/or the withdrawal virtual account after being verified by the virtual account server.

Based on the third card-less cash withdrawal processing method based on withdrawal information, the present application provides a self-service withdrawal device 4, as shown in fig. 11, including:

a notification receiving unit 1101 configured to receive notification information sent by the withdrawal bank server 3;

a self-detection unit 1102, configured to execute a withdrawal operation based on notification information of the withdrawal bank server 3 and detect whether a device itself normally executes the withdrawal operation;

the withdrawal result sending unit 1103 is configured to send the detection information to the withdrawal bank server 3, so that the withdrawal bank server 3 sends withdrawal result information to the virtual account server, where the withdrawal result information is used for performing accounting processing operations on the withdrawal bank and/or the withdrawal virtual account after verification by the virtual account server.

The present application further provides a virtual account-based card-less cash withdrawal processing system, which can be used to execute the above method, as shown in fig. 12, including: intelligent terminal 1, virtual account server 2, withdrawal bank server 3 and self-service withdrawal equipment 4.

The intelligent terminal 1 can perform data interaction with the virtual account server 2, the virtual account server 2 can perform data interaction with the withdrawal bank server 3, and the withdrawal bank server 3 can perform data interaction with the self-service withdrawal device 4;

the intelligent terminal 1 is configured to send a first withdrawal request to the virtual account server 2, where the first withdrawal request includes first withdrawal information, and the first withdrawal information includes: the automatic teller machine comprises a self-service teller equipment number, a teller bank number, a teller virtual account number and a teller amount;

the virtual account server 2 is used for receiving a first withdrawal request sent by the intelligent terminal 1 and performing withdrawal verification on the first withdrawal information according to the first withdrawal request; if the first withdrawal information is verified to pass, a payment request is sent to the intelligent terminal 1, the fact that the intelligent terminal 1 completes payment authorization is confirmed, account deduction processing is conducted on a withdrawal virtual account, a second withdrawal request is sent to a withdrawal bank server 3, the second withdrawal request comprises second withdrawal information, and the second withdrawal information comprises: a self-service withdrawal device number and a withdrawal amount; verifying according to withdrawal result information of the self-service withdrawal device 4 sent by the withdrawal bank server 3, and executing financial processing operation on a withdrawal bank and/or a withdrawal virtual account after verification;

the withdrawal bank server 3 is used for receiving a second withdrawal request sent by the virtual account server 2 and verifying second withdrawal information based on the second withdrawal request; if the second withdrawal information passes the verification, sending notification information to the self-service withdrawal device 4 through an internal communication network so that the self-service withdrawal device 4 executes a withdrawal operation; detecting whether the self-service withdrawal device 4 normally executes the card-free withdrawal operation, and sending withdrawal result information to the virtual account server 2;

the self-service withdrawing device 4 is used for executing withdrawing operation and detecting whether the self device normally executes the withdrawing operation or not based on the notification information of the withdrawing bank server 3; the detection information (withdrawal result information) is sent to the withdrawal bank server 3.

As will be appreciated by one skilled in the art, embodiments of the present invention may be provided as a method, system, or computer program product. Accordingly, the present invention may take the form of an entirely hardware embodiment, an entirely software embodiment or an embodiment combining software and hardware aspects. Furthermore, the present invention may take the form of a computer program product embodied on one or more computer-usable storage media (including, but not limited to, disk storage, CD-ROM, optical storage, and the like) having computer-usable program code embodied therein.

The present invention is described with reference to flowchart illustrations and/or block diagrams of methods, apparatus (systems), and computer program products according to embodiments of the invention. It will be understood that each flow and/or block of the flow diagrams and/or block diagrams, and combinations of flows and/or blocks in the flow diagrams and/or block diagrams, can be implemented by computer program instructions. These computer program instructions may be provided to a processor of a general purpose computer, special purpose computer, embedded processor, or other programmable data processing apparatus to produce a machine, such that the instructions, which execute via the processor of the computer or other programmable data processing apparatus, create means for implementing the functions specified in the flowchart flow or flows and/or block diagram block or blocks.

These computer program instructions may also be stored in a computer-readable memory that can direct a computer or other programmable data processing apparatus to function in a particular manner, such that the instructions stored in the computer-readable memory produce an article of manufacture including instruction means which implement the function specified in the flowchart flow or flows and/or block diagram block or blocks.

These computer program instructions may also be loaded onto a computer or other programmable data processing apparatus to cause a series of operational steps to be performed on the computer or other programmable apparatus to produce a computer implemented process such that the instructions which execute on the computer or other programmable apparatus provide steps for implementing the functions specified in the flowchart flow or flows and/or block diagram block or blocks.

The principle and the implementation mode of the invention are explained by applying specific embodiments in the invention, and the description of the embodiments is only used for helping to understand the method and the core idea of the invention; meanwhile, for a person skilled in the art, according to the idea of the present invention, there may be variations in the specific embodiments and the application scope, and in summary, the content of the present specification should not be construed as a limitation to the present invention.

An embodiment of the present application further provides a specific implementation manner of an electronic device capable of implementing all steps in the method in the foregoing embodiment, and referring to fig. 14, the electronic device specifically includes the following contents:

a processor (processor)1401, a memory (memory)1402, a communication interface (communications interface)1403, and a bus 1404;

wherein, the processor 1401, the memory 1402 and the communication interface 1403 complete the communication with each other through the bus 1404;

the processor 1401 is configured to invoke the computer program in the memory 1402, and when the processor executes the computer program, the processor implements all the steps in the method in the above embodiments, for example, when the processor executes the computer program, the processor implements the following steps:

Embodiments of the present application also provide a computer-readable storage medium capable of implementing all the steps of the method in the above embodiments, where the computer-readable storage medium stores thereon a computer program, and the computer program when executed by a processor implements all the steps of the method in the above embodiments, for example, the processor implements the following steps when executing the computer program:

The embodiments in the present specification are described in a progressive manner, and the same and similar parts among the embodiments are referred to each other, and each embodiment focuses on the differences from the other embodiments. In particular, for the hardware + program class embodiment, since it is substantially similar to the method embodiment, the description is simple, and the relevant points can be referred to the partial description of the method embodiment. Although embodiments of the present description provide method steps as described in embodiments or flowcharts, more or fewer steps may be included based on conventional or non-inventive means. The order of steps recited in the embodiments is merely one manner of performing the steps in a multitude of orders and does not represent the only order of execution. When an actual apparatus or end product executes, it may execute sequentially or in parallel (e.g., parallel processors or multi-threaded environments, or even distributed data processing environments) according to the method shown in the embodiment or the figures. 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, the presence of additional identical or equivalent elements in a process, method, article, or apparatus that comprises the recited elements is not excluded. For convenience of description, the above devices are described as being divided into various modules by functions, and are described separately. Of course, in implementing the embodiments of the present description, the functions of each module may be implemented in one or more software and/or hardware, or a module implementing the same function may be implemented by a combination of multiple sub-modules or sub-units, and the like. The above-described embodiments of the apparatus are merely illustrative, and for example, the division of the units is only one logical division, and other divisions may be realized in practice, for example, a plurality of units or components may be combined or integrated into another system, or some features may be omitted, or not executed. In addition, the shown or discussed mutual coupling or direct coupling or communication connection may be an indirect coupling or communication connection through some interfaces, devices or units, and may be in an electrical, mechanical or other form.

As will be appreciated by one skilled in the art, embodiments of the present description may be provided as a method, system, or computer program product. Accordingly, embodiments of the present description may take the form of an entirely hardware embodiment, an entirely software embodiment or an embodiment combining software and hardware aspects. Furthermore, embodiments of the present description may take the form of a computer program product embodied on one or more computer-usable storage media (including, but not limited to, disk storage, CD-ROM, optical storage, and so forth) having computer-usable program code embodied therein. The embodiments in the present specification are described in a progressive manner, and the same and similar parts among the embodiments are referred to each other, and each embodiment focuses on the differences from the other embodiments.

In particular, for the system embodiment, since it is substantially similar to the method embodiment, the description is simple, and for the relevant points, reference may be made to the partial description of the method embodiment. In the description herein, references to the description of the term "one embodiment," "some embodiments," "an example," "a specific example," or "some examples," etc., mean that a particular feature, structure, material, or characteristic described in connection with the embodiment or example is included in at least one embodiment or example of an embodiment of the specification.

In this specification, the schematic representations of the terms used above are not necessarily intended to refer to the same embodiment or example.

Furthermore, various embodiments or examples and features of different embodiments or examples described in this specification can be combined and combined by one skilled in the art without contradiction. The above description is only an example of the embodiments of the present disclosure, and is not intended to limit the embodiments of the present disclosure. Various modifications and variations to the embodiments described herein will be apparent to those skilled in the art. Any modification, equivalent replacement, improvement, etc. made within the spirit and principle of the embodiments of the present specification should be included in the scope of the claims of the embodiments of the present specification.

Claims

1. A card-free cash withdrawal processing method based on a virtual account is characterized by comprising the following steps:

receiving a first withdrawal request sent by an intelligent terminal, wherein the first withdrawal request comprises first withdrawal information, and the first withdrawal information comprises: the automatic teller machine comprises a self-service teller equipment number, a teller bank number, a teller virtual account number and a teller amount;

performing withdrawal verification on the first withdrawal information according to the first withdrawal request;

if the first withdrawal information is verified, sending a payment request to the intelligent terminal, confirming that the intelligent terminal completes payment authorization, carrying out account deduction processing on a withdrawal virtual account, and sending a second withdrawal request to a withdrawal bank server, wherein the second withdrawal request comprises second withdrawal information, and the second withdrawal information comprises: the number of the self-service drawing device and the drawing amount are used for enabling the drawing bank server to inform the self-service drawing device to execute the drawing operation;

and verifying according to the withdrawal result information of the self-service withdrawal equipment sent by the withdrawal bank server, and executing financial processing operation on the withdrawal bank and/or the withdrawal virtual account after verification.

2. The processing method of claim 1, wherein the performing a withdrawal verification on the first withdrawal information according to the first withdrawal request comprises:

extracting a withdrawal virtual account number and a withdrawal amount from the first withdrawal information;

and verifying the withdrawal virtual account number.

3. The processing method of claim 1, wherein the performing a withdrawal verification on the first withdrawal information according to the first withdrawal request comprises:

extracting a withdrawal amount from the first withdrawal information;

4. The processing method according to claim 1, wherein the confirming that the smart terminal completes payment authorization comprises:

verifying the intelligent terminal dynamic certificate; and/or

The static credentials are verified.

5. The processing method according to claim 1, wherein the confirming that the intelligent terminal completes payment authorization and performs a debit processing on the withdrawal virtual account comprises:

and after the money drawing virtual account is deducted, sending the deduction result information to the intelligent terminal.

6. The processing method according to claim 1, wherein the confirming that the intelligent terminal completes payment authorization and performs a debit processing on the withdrawal virtual account comprises:

the processing of detaining accounts includes detaining the account channel, detain the account channel, include: the virtual account, the virtual account binding bank card, the third party payment platform, the loan platform or the financial product.

7. The processing method according to claim 1, wherein the confirming that the intelligent terminal completes payment authorization and performs a debit processing on the withdrawal virtual account comprises:

8. The processing method according to claim 1, wherein the verifying according to the withdrawal result information fed back by the withdrawal bank server and performing the accounting processing operation on the withdrawal bank and/or the withdrawal virtual account after the verifying comprises:

and if the withdrawal result information is verified to be failed, returning the account deducting fund to the withdrawal virtual account number or the account deducting channel according to the withdrawal result information.

9. A virtual account-based cardless cash withdrawal processing apparatus, comprising:

the receiving request unit is used for receiving a first withdrawal request sent by an intelligent terminal, wherein the first withdrawal request comprises first withdrawal information, and the first withdrawal information comprises: the automatic teller machine comprises a self-service teller equipment number, a teller bank number, a teller virtual account number and a teller amount;

the payment verification unit is used for sending a payment request to the intelligent terminal after the first withdrawal information is verified to pass, confirming that the intelligent terminal completes payment authorization and carrying out account deduction processing on a withdrawal virtual account;

10. The processing apparatus according to claim 9, characterized in that the processing apparatus comprises:

11. The processing apparatus as claimed in claim 10, wherein the transaction record unit comprises:

12. The processing apparatus according to claim 9, characterized in that the processing apparatus comprises:

13. The processing apparatus according to claim 9, characterized in that the processing apparatus comprises:

and the geographic position sending unit is used for calling database information after receiving a request of sending the designated position information and the address position information of the automatic teller machine from the intelligent terminal, and sending the address information of the automatic teller machine near the designated position of the intelligent terminal.

14. The processing apparatus as claimed in claim 9, wherein the payment verification unit comprises:

15. The processing apparatus as claimed in claim 9, wherein the payment verification unit comprises:

16. The processing device according to claim 9, wherein the withdrawal verification unit comprises:

17. The processing apparatus as claimed in claim 9, wherein the payment verification unit comprises:

18. A card-free cash withdrawal processing method based on a virtual account is characterized by comprising the following steps:

receiving a withdrawal request sent by a virtual account server, wherein the withdrawal request comprises withdrawal information, and the withdrawal information comprises: a self-service withdrawal device number and a withdrawal amount;

verifying the withdrawal information based on the withdrawal request;

if the withdrawal information passes the verification, sending notification information to the self-service withdrawal equipment through an internal communication network so that the self-service withdrawal equipment executes a withdrawal operation;

whether the self-service withdrawal device normally executes the card-free withdrawal operation or not is detected, withdrawal result information is sent to the virtual account server, and the virtual account server executes financial processing operation on withdrawal banks and/or withdrawal virtual accounts according to the withdrawal result information.

19. A virtual account-based cardless cash withdrawal processing apparatus, comprising:

the receiving unit is used for receiving a withdrawal request sent by a virtual account server, wherein the withdrawal request comprises withdrawal information, and the withdrawal information comprises: a self-service withdrawal device number and a withdrawal amount;

the verification unit is used for verifying the withdrawal information based on the withdrawal request;

the notification unit is used for sending notification information to the self-service withdrawal equipment through an internal communication network after the withdrawal information is verified so as to enable the self-service withdrawal equipment to execute a withdrawal operation;

the detection unit is used for detecting whether the self-service withdrawal device normally executes the card-free withdrawal operation;

and the sending unit is used for sending withdrawal result information to the virtual account server so that the virtual account server executes financial processing operation on the withdrawal bank and/or the withdrawal virtual account according to the withdrawal result information.

20. The processing apparatus according to claim 19, wherein the processing apparatus comprises:

21. A card-free cash withdrawal processing method based on a virtual account is characterized by comprising the following steps:

based on the notification information of the withdrawal bank server, executing a withdrawal operation and detecting whether the withdrawal operation is normally executed by the equipment;

and sending the detection information to the withdrawal bank server so that the withdrawal bank server sends withdrawal result information to a virtual account server, wherein the withdrawal result information is used for executing financial processing operation on the withdrawal bank and/or the withdrawal virtual account after the virtual account server verifies the withdrawal bank and/or the withdrawal virtual account.

22. An automated teller machine, comprising:

the notification receiving unit is used for receiving notification information sent by the withdrawal bank server;

the self-detection unit is used for executing the withdrawal operation and detecting whether the self equipment normally executes the withdrawal operation or not based on the notification information of the withdrawal bank server;

and the withdrawal result sending unit is used for sending the detection information to the withdrawal bank server so as to enable the withdrawal bank server to send withdrawal result information to the virtual account server, and the withdrawal result information is used for executing financial processing operation on the withdrawal bank and/or the withdrawal virtual account after the virtual account server verifies the withdrawal bank and/or the withdrawal virtual account.

23. A virtual account based cardless cash withdrawal processing system, comprising: the system comprises an intelligent terminal, a virtual account server, a withdrawal bank server and self-service withdrawal equipment;

the intelligent terminal is used for sending a first withdrawal request to the virtual account server, wherein the first withdrawal request comprises first withdrawal information, and the first withdrawal information comprises: the automatic teller machine comprises a self-service teller equipment number, a teller bank number, a teller virtual account number and a teller amount;

the virtual account server is used for receiving the first withdrawal request sent by the intelligent terminal and carrying out withdrawal verification on the first withdrawal information according to the first withdrawal request; if the first withdrawal information is verified, sending a payment request to the intelligent terminal, confirming that the intelligent terminal completes payment authorization, carrying out account deduction processing on a withdrawal virtual account, and sending a second withdrawal request to a withdrawal bank server, wherein the second withdrawal request comprises second withdrawal information, and the second withdrawal information comprises: a self-service withdrawal device number and a withdrawal amount; verifying according to withdrawal result information of the self-service withdrawal device sent by the withdrawal bank server, and executing financial processing operation on a withdrawal bank and/or a withdrawal virtual account after verification;

the withdrawal bank server is used for receiving a second withdrawal request sent by the virtual account server and verifying the second withdrawal information based on the second withdrawal request; if the second withdrawal information passes the verification, sending notification information to the self-service withdrawal device through an internal communication network so that the self-service withdrawal device executes a withdrawal operation; detecting whether the self-service withdrawal device normally executes the card-free withdrawal operation, and sending withdrawal result information to the virtual account server;

the self-service withdrawing device is used for executing withdrawing operation and detecting whether the self device normally executes the withdrawing operation or not based on the notification information of the withdrawing bank server; and sending the detection information to the withdrawal bank server.

24. An electronic device comprising a memory, a processor and a computer program stored on the memory and executable on the processor, wherein the processor implements the cardless cash-retrieval processing method of any one of claims 1 to 8, 18 and 21 when executing the program.

25. A computer-readable storage medium, on which a computer program is stored, the computer program, when being executed by a processor, implementing the cardless cash-retrieval processing method according to any one of claims 1 to 8, 18 and 21.