CN112651729A

CN112651729A - Cash withdrawal transaction method, acquiring bank server and system

Info

Publication number: CN112651729A
Application number: CN202011519545.5A
Authority: CN
Inventors: 雷兵; 黄小牧; 周南南; 高峰; 李兵; 朱道彬
Original assignee: Industrial and Commercial Bank of China Ltd ICBC
Current assignee: Industrial and Commercial Bank of China Ltd ICBC
Priority date: 2020-12-21
Filing date: 2020-12-21
Publication date: 2021-04-13

Abstract

The invention provides a cash withdrawal transaction method, an acquiring bank server and a system, which can be used in the financial field or other technical fields. The method comprises the following steps: receiving a cash withdrawal transaction request sent by a first terminal, wherein the cash withdrawal transaction request comprises a withdrawal identification and a withdrawal amount; if the withdrawal identification belongs to the acquiring bank, inquiring and acquiring withdrawal protocol information according to the withdrawal identification and generating a transaction number; sending a cash withdrawal transaction confirmation request to a second terminal corresponding to the reserved mobile phone number; wherein the cash withdrawal transaction confirmation request comprises a transaction number and the withdrawal amount; if receiving withdrawal confirmation information returned by the second terminal, sending a cash withdrawal transaction instruction to the first terminal so as to complete the cash withdrawal transaction; wherein the cash withdrawal transaction indication comprises the transaction number and the withdrawal amount. The device is used for executing the method. The cash withdrawal transaction method and the device provided by the embodiment of the invention improve the cash withdrawal efficiency.

Description

Cash withdrawal transaction method, acquiring bank server and system

Technical Field

The invention relates to the technical field of finance, in particular to a cash withdrawal transaction method, an acquiring bank server and a system.

Background

With the rapid development of mobile payment technology, more and more people use mobile payment to conduct transactions, but the use of cash still exists in real life.

At present, a lot of scenes that people need cash exist for a long time, when the cash is needed, people usually go to a bank outlet or self-service withdrawal equipment to withdraw the cash, but the bank outlet and the self-service withdrawal equipment have distribution difference in different regions, especially for some small and medium banks and foreign banks, the distribution quantity of the bank outlet and the self-service withdrawal equipment is small, and in some undelivered counties and towns, the number of the bank outlet and the self-service withdrawal equipment is less, so that inconvenience is brought to the cash withdrawal of people. In addition, some customer groups who are not used to or do not use mobile banking and self-service money withdrawing equipment face the difficulty of cash withdrawal.

Therefore, how to provide a convenient and safe cash withdrawal method becomes an important issue to be solved in the field.

Disclosure of Invention

In view of the problems in the prior art, embodiments of the present invention provide a cash withdrawal transaction method, an acquiring bank server and a system, which can at least partially solve the problems in the prior art.

In a first aspect, the present invention provides a cash withdrawal transaction method comprising:

receiving a cash withdrawal transaction request sent by a first terminal, wherein the cash withdrawal transaction request comprises a withdrawal identification and a withdrawal amount;

if the withdrawal identification is judged to belong to the acquiring bank, inquiring and obtaining withdrawal protocol information according to the withdrawal identification, and generating a transaction number; wherein the withdrawal protocol information comprises a reserved mobile phone number;

sending a cash withdrawal transaction confirmation request to a second terminal corresponding to the reserved mobile phone number; wherein the cash withdrawal transaction confirmation request comprises the transaction number and the withdrawal amount;

if receiving withdrawal confirmation information returned by the second terminal, sending a cash withdrawal transaction instruction to the first terminal so as to complete the cash withdrawal transaction; wherein the cash withdrawal transaction indication comprises the transaction number and the withdrawal amount.

In a second aspect, the invention also provides a cash withdrawal transaction method comprising:

if the withdrawal identification is judged to be not belonging to the acquiring bank, sending a withdrawal inquiry request to a third-party server; wherein the withdrawal inquiry request comprises the withdrawal identification;

receiving a withdrawal inquiry result returned by the third-party server, wherein the withdrawal inquiry result comprises a reserved mobile phone number corresponding to the withdrawal identification and a withdrawal client account opening bank;

generating a transaction number and sending a cash withdrawal transaction confirmation request to a second terminal corresponding to the reserved mobile phone number through the withdrawal client account opening bank server; wherein the cash withdrawal transaction confirmation request comprises the transaction number and the withdrawal amount;

if receiving withdrawal confirmation information, sending a cash withdrawal transaction instruction to the first terminal so as to complete the cash withdrawal transaction; the withdrawal confirmation information is sent to the withdrawal client account opening bank server by the second terminal and is forwarded by the withdrawal client account opening bank server; the cash withdrawal transaction indication includes the transaction number and the withdrawal amount.

The third method, the present invention provides an acquirer server, comprising:

the cash register comprises a first receiving unit, a second receiving unit and a third receiving unit, wherein the first receiving unit is used for receiving a cash withdrawal transaction request sent by a first terminal, and the cash withdrawal transaction request comprises a withdrawal identification and a withdrawal amount;

the inquiring unit is used for inquiring and obtaining withdrawal protocol information according to the withdrawal identification and generating a transaction number after judging that the withdrawal identification belongs to an acquiring bank; wherein the withdrawal protocol information comprises a reserved mobile phone number;

the first sending unit is used for sending a cash withdrawal transaction confirmation request to the second terminal corresponding to the reserved mobile phone number; wherein the cash withdrawal transaction confirmation request comprises the transaction number and the withdrawal amount;

the first withdrawal instruction unit is used for sending a cash withdrawal transaction instruction to the first terminal after receiving withdrawal confirmation information returned by the second terminal so as to complete the cash withdrawal transaction; wherein the cash withdrawal transaction indication comprises the transaction number and the withdrawal amount.

In a fourth aspect, the present invention further provides an acquirer server, including:

the second receiving unit is used for receiving a cash withdrawal transaction request sent by the first terminal, wherein the cash withdrawal transaction request comprises a withdrawal identification and a withdrawal amount;

the second sending unit is used for sending a withdrawal inquiry request to the third-party server after judging that the withdrawal identification does not belong to the acquiring bank; wherein the withdrawal inquiry request comprises the withdrawal identification;

the third receiving unit is used for receiving a withdrawal inquiry result returned by the third-party server, wherein the withdrawal inquiry result comprises a reserved mobile phone number corresponding to the withdrawal identifier and a withdrawal client account opening bank;

the generating unit is used for generating a transaction number and sending a cash withdrawal transaction confirmation request to a second terminal corresponding to the reserved mobile phone number through the account opening bank of the withdrawal client; wherein the cash withdrawal transaction confirmation request comprises the transaction number and the withdrawal amount;

a second withdrawal instruction unit for sending a cash withdrawal transaction instruction to the first terminal after receiving the withdrawal confirmation information so as to complete the cash withdrawal transaction; the withdrawal confirmation information is sent to the withdrawal client account opening bank server by the second terminal and is forwarded by the withdrawal client account opening bank server; the cash withdrawal transaction indication includes the transaction number and the withdrawal amount.

In a fifth aspect, the present invention provides a cash withdrawal transaction system comprising an acquirer server, a first terminal and a second terminal as described in any one of the above embodiments, wherein: the first terminal is in communication connection with the acquirer server, and the acquirer server is in wireless communication connection with the second terminal.

In a sixth aspect, the present invention provides a cash withdrawal transaction system, including the acquirer server, the first terminal, the second terminal, the withdrawal client issuer server, and the third party server according to any of the above embodiments, wherein:

the first terminal is in communication connection with the acquiring bank server, the second terminal is in wireless communication connection with the withdrawing client account opening bank server, and the acquiring bank server, the withdrawing client account opening bank server and the third party server are connected through a financial clearing network.

In a seventh aspect, the present invention provides an electronic device comprising a memory, a processor and a computer program stored on the memory and executable on the processor, wherein the processor executes the program to implement the steps of the cash withdrawal transaction method according to any of the above embodiments.

In an eighth aspect, the present invention provides a computer readable storage medium having stored thereon a computer program which, when executed by a processor, carries out the steps of the cash withdrawal transaction method of any of the embodiments described above.

The cash withdrawal transaction method, the acquirer server and the system provided by the embodiment of the invention can receive a cash withdrawal transaction request sent by a first terminal, inquire and obtain withdrawal protocol information according to a withdrawal identifier after judging that the withdrawal identifier belongs to an acquirer, generate a transaction number, send a cash withdrawal transaction confirmation request to a second terminal corresponding to a reserved mobile phone number, and send a cash withdrawal transaction instruction to the first terminal to complete the cash withdrawal transaction if receiving the withdrawal confirmation information returned by the second terminal, so that the cash withdrawal transaction can be conveniently completed, and the cash withdrawal efficiency 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. In the drawings:

fig. 1 is a schematic structural view of a cash withdrawal transaction system according to a first embodiment of the present invention.

Fig. 2 is a flow chart illustrating a cash withdrawal transaction method according to a second embodiment of the present invention.

Fig. 3 is a flow interaction diagram of a cash withdrawal transaction method provided by a third embodiment of the invention.

Fig. 4 is a schematic structural diagram of a cash withdrawal transaction system according to a fourth embodiment of the present invention.

Fig. 5 is a flow chart illustrating a cash withdrawal transaction method according to a fifth embodiment of the present invention.

FIG. 6 is a flow interaction diagram of a cash withdrawal transaction method provided by a sixth embodiment of the present invention.

Fig. 7 is a flowchart illustrating a registration application of a withdrawal identifier according to a seventh embodiment of the present invention.

Fig. 8 is a schematic structural diagram of an acquirer server according to an eighth embodiment of the present invention.

Fig. 9 is a schematic structural diagram of an acquirer server according to a ninth embodiment of the present invention.

Fig. 10 is a schematic structural diagram of an acquirer server according to a tenth embodiment of the present invention.

Fig. 11 is a schematic structural diagram of an acquirer server according to an eleventh embodiment of the present invention.

Fig. 12 is a schematic physical structure diagram of an electronic device according to a twelfth embodiment of the present invention.

Detailed Description

In order to make the objects, technical solutions and advantages of the embodiments of the present invention more apparent, the embodiments of the present invention are further described in detail below with reference to the accompanying drawings. The exemplary embodiments and descriptions of the present invention are provided to explain the present invention, but not to limit the present invention. It should be noted that the embodiments and features of the embodiments in the present application may be arbitrarily combined with each other without conflict.

In order to facilitate understanding of the technical solutions provided in the present application, the following first describes relevant contents of the technical solutions in the present application.

In real life, on one hand, because the bank outlets and the self-service withdrawal equipment are unevenly distributed, the inconvenience is brought to the withdrawal of the customers, and particularly, the quantity of the bank outlets and the self-service withdrawal equipment is less for medium and small banks and foreign banks. In addition, in many counties and towns, there are few bank outlets and few self-service withdrawal devices, which brings inconvenience to the withdrawal of money of customers.

On the other hand, various merchants closely connected with the lives of people are widely distributed, and there are merchants in places where people live in, and the merchants often need to store received cash to banks regularly or irregularly, so that the merchants are at risk of losing the cash on the way to the banks, and waste time and energy.

In addition, for banks, in order to meet the cash demands of customers, a large number of bank outlets and self-service withdrawal equipment are set to provide cash withdrawal services, which increases the fixed asset investment cost of the banks for the self-service withdrawal equipment, the maintenance cost of the outlet equipment and the cash operation cost.

Therefore, the embodiment of the invention provides a cash withdrawal transaction method, a bank can cooperate with widely distributed merchants, the merchants provide cash withdrawal services for customers, funds withdrawn by the customers are transferred to the bank accounts of the merchants through the bank accounts of the customers, so that the merchants reduce or even do not need to go to banks to deposit redundant cash, the customers can withdraw the cash at nearby merchants without going to bank outlets or automatic teller equipment to withdraw the cash, and the wide distribution of the merchants brings great convenience to the cash withdrawal of the customers. For banks, the investment of bank outlets and self-service withdrawal equipment can be reduced, and the cash operation cost of the banks can be reduced.

Fig. 1 is a schematic structural view of a cash withdrawal transaction system according to an embodiment of the present invention, and as shown in fig. 1, the cash withdrawal transaction system according to the embodiment of the present invention includes an acquirer server 1, a first terminal 2, and a second terminal 3, where:

the acquirer server 1 may be connected to the first terminal 2 by wired communication or wireless communication, and the acquirer server 1 may be connected to the second terminal 3 by wireless communication. The first terminal 2 is used to initiate a cash withdrawal transaction request, the acquirer server 1 is used to execute the cash withdrawal transaction method provided by the embodiment of the present invention, and the second terminal 3 is used to confirm the cash withdrawal transaction. The first terminal 2 may adopt a merchant terminal such as a desktop computer, a notebook computer, a smart phone, a tablet computer, and the like, and is owned by a merchant; the second terminal 3 may be a mobile terminal such as a mobile phone, and is owned by the customer. The customer refers to an individual or an organization with a savings account in a bank, and the merchant refers to a merchant with an entity operating place, including but not limited to a hotel, a restaurant, a bar, a supermarket, a canteen, a barbershop, a bookstore, a fruit store, and the like. The acquirer server 1 is a server of an acquirer of the merchant and may also be a server of an issuer of the customer.

Fig. 2 is a schematic flow chart of a cash withdrawal transaction method according to an embodiment of the present invention, and as shown in fig. 2, the cash withdrawal transaction method according to the embodiment of the present invention includes:

s201, receiving a cash withdrawal transaction request sent by a first terminal, wherein the cash withdrawal transaction request comprises a withdrawal identification and a withdrawal amount;

in particular, the first terminal may send a cash withdrawal transaction request to the acquirer server, which may include a withdrawal identification and a withdrawal amount. The acquirer server receives the cash withdrawal transaction request. The withdrawal identification is applied and obtained by a withdrawal client to a bank or a third-party institution, and corresponds to a bank account number of the client and a mobile phone number reserved by the client in the bank. The cash withdrawal transaction request may also include a currency and a collection account number.

For example, a customer a has a cash requirement, and can carry a mobile phone F of the customer to a merchant B to inform the merchant B that the customer B wants to withdraw cash through the merchant B, the merchant B can inquire the customer a to obtain a withdrawal identifier of the customer a, then the merchant B logs in a mobile phone bank of the merchant B through a tablet computer C, selects a cash withdrawal function, inputs the withdrawal identifier and the withdrawal amount of the customer a, and then sends a cash withdrawal transaction request to a bank server through the tablet computer C, wherein the cash withdrawal transaction request includes the withdrawal identifier and the withdrawal amount of the customer a. The issuer of customer a and the acquirer of merchant B are the same bank.

S202, if the withdrawal identification is judged to belong to an acquiring bank, inquiring and obtaining withdrawal protocol information according to the withdrawal identification, and generating a transaction number; wherein the withdrawal protocol information comprises a reserved mobile phone number;

specifically, after receiving the cash withdrawal transaction request, the acquirer server obtains a withdrawal identifier from the cash withdrawal transaction request, then determines whether the withdrawal identifier belongs to an acquirer, if the withdrawal identifier belongs to the acquirer, queries and obtains withdrawal protocol information corresponding to the withdrawal identifier according to the withdrawal identifier, and generates a transaction number for the cash withdrawal transaction request, wherein the transaction number is used for identifying the cash withdrawal transaction. The withdrawal protocol information includes information such as a reserved mobile phone number and a withdrawal account number, and is set according to actual needs, which is not limited in the embodiment of the present invention.

For example, the acquiring bank server may query whether the same withdrawal identifier exists in a database according to the withdrawal identifier, and if so, the withdrawal identifier is applied by a bank corresponding to the acquiring bank server, and the withdrawal identifier belongs to the acquiring bank. Or, withdraw including the bank identification bit in the sign, the receipt bank server can follow withdraw and obtain the bank identification bit in the sign, if the bank identification bit in the sign of withdrawing with the bank identification bit of the bank that the receipt bank server corresponds is the same, then the sign of withdrawing is through the bank that the receipt bank server corresponds applies for, the sign of withdrawing belongs to the receipt bank. The bank identification positions correspond to banks one by one. The withdrawal identification is in one-to-one correspondence with the bank identification position.

S203, sending a cash withdrawal transaction confirmation request to a second terminal corresponding to the reserved mobile phone number; wherein the cash withdrawal transaction confirmation request comprises the transaction number and the withdrawal amount;

specifically, after obtaining the reserved mobile phone number, the acquirer server may send a cash withdrawal transaction confirmation request to a second terminal corresponding to the reserved mobile phone number, where the second terminal may display the cash withdrawal transaction confirmation request, and the cash withdrawal transaction confirmation request includes the transaction number and the withdrawal amount. The customer confirms the cash withdrawal transaction confirmation request after seeing the cash withdrawal transaction confirmation request displayed by the second terminal, and the second terminal sends withdrawal confirmation information to the acquirer server after receiving the cash withdrawal transaction confirmation request from the customer.

S204, if receiving withdrawal confirmation information returned by the second terminal, sending a cash withdrawal transaction instruction to the first terminal so as to complete the cash withdrawal transaction; wherein the cash withdrawal transaction indication comprises the transaction number and the withdrawal amount.

Specifically, if the acquirer server receives withdrawal confirmation information returned by the second terminal, a cash withdrawal transaction instruction is sent to the first terminal, and the first terminal receives and displays the cash withdrawal transaction instruction. After the merchant corresponding to the first terminal checks the cash withdrawal transaction instruction, cash is paid to the customer according to the withdrawal amount included in the cash withdrawal transaction instruction, so that the cash withdrawal transaction is completed. The cash withdrawal transaction indication may include a transaction number, and the merchant may request the customer to provide the transaction number, and pay the customer cash when the transaction number provided by the customer is the same as the transaction number included in the cash withdrawal transaction indication to ensure accuracy of the cash withdrawal transaction.

For example, the acquiring bank server sends a cash withdrawal transaction confirmation request carrying a transaction number X-001 and a withdrawal amount 500 to the mobile phone F in a form of a short message, the content of the short message displayed by the mobile phone F is' respected customer, you apply for withdrawal 500 yuan on XX day 18:00, and the transaction number is X-001; please confirm whether to withdraw money, if confirm to withdraw money, please reply Y; if not, please reply N ", customer A checks the content of the short message displayed on mobile phone F, and can reply message Y after confirming that the money is correct. And the mobile phone F sends the information 'Y' to the acquirer server as withdrawal confirmation information. If client a replies with the message "N". The mobile phone F sends the information 'N' to the acquirer server as withdrawal canceling indication information. If receiving the withdrawal canceling instruction information, the acquirer server can send a transaction failure prompt to the mobile phone F and the tablet computer C to prompt that the customer A and the merchant B fail in the cash withdrawal transaction.

The cash withdrawal transaction method provided by the embodiment of the invention receives a cash withdrawal transaction request sent by a first terminal, inquires and obtains withdrawal protocol information according to a withdrawal identifier after judging that the withdrawal identifier belongs to an acquirer, generates a transaction number, sends a cash withdrawal transaction confirmation request to a second terminal corresponding to a reserved mobile phone number, and sends a cash withdrawal transaction instruction to the first terminal to complete the cash withdrawal transaction if receiving the withdrawal confirmation information returned by the second terminal, so that the cash withdrawal transaction can be conveniently completed, and the cash withdrawal efficiency is improved.

On the basis of the foregoing embodiments, further, the withdrawal protocol information further includes a withdrawal account corresponding to the withdrawal identifier, and the cash withdrawal transaction method provided in the embodiment of the present invention further includes:

initiating a transfer request to facilitate transfer of funds corresponding to the withdrawal amount from the withdrawal account to a collection account; wherein the cash transaction request includes the collection account number.

Specifically, the withdrawal protocol information further includes a withdrawal account corresponding to the withdrawal identifier, and the cash transaction request may include a collection account. The acquiring bank server may initiate a transfer request to transfer funds corresponding to the withdrawal amount from the withdrawal account to the receiving account. Wherein the cash transaction request includes the collection account number. The transfer request may be initiated in real time or may be initiated in a delayed manner, and the transfer request may be set according to actual needs.

On the basis of the above embodiments, further, the cash withdrawal transaction request is sent after being subjected to encrypted signature.

Specifically, to secure the transmission of information, the cash withdrawal transaction request is sent after being cryptographically signed. The acquirer server, after receiving the cryptographically signed cash withdrawal transaction request, may decrypt the cryptographically signed cash withdrawal transaction request according to the cryptographically signed public key.

Fig. 3 is a flowchart of an interactive method for cash withdrawal transaction according to a third embodiment of the present invention, and as shown in fig. 3, the flow of the method for cash withdrawal transaction according to the embodiment of the present invention is as follows:

first, a cash withdrawal transaction request is sent. The first terminal sends a cash withdrawal transaction request to the acquirer server, which may include a withdrawal identification, a withdrawal amount, and a collection account number.

And secondly, inquiring information corresponding to the withdrawal identification. After receiving the cash withdrawal transaction request, the acquirer server can inquire the reserved mobile phone number and the withdrawal account number corresponding to the withdrawal identification according to the withdrawal identification, and generate a transaction number for the cash withdrawal transaction, wherein the transaction number is uniquely corresponding to the cash withdrawal transaction.

Third, a cash withdrawal transaction confirmation request is sent. The acquirer server sends a cash withdrawal transaction confirmation request to the second terminal corresponding to the reserved mobile phone number, and the customer can confirm the cash withdrawal transaction confirmation request after the second terminal checks the cash withdrawal transaction confirmation request.

And fourthly, returning withdrawal confirmation information. After the customer confirms the cash withdrawal transaction confirmation request, the second terminal returns withdrawal confirmation information to the acquirer server.

And fifthly, initiating a transfer request. The acquiring bank server can initiate a transfer request to transfer funds corresponding to the withdrawal amount to the receiving account through the withdrawal account.

And sixthly, sending a cash withdrawal transaction instruction. The acquiring bank server sends a cash withdrawal transaction instruction to the first terminal, and after the merchant checks the cash withdrawal transaction instruction, the merchant can take cash corresponding to the withdrawal amount to the customer to complete the cash withdrawal transaction.

The bank server may initiate the transfer request in real time or delay, so as to avoid financial risk, before sending the cash withdrawal transaction instruction, the bank server may first query the balance of the withdrawal account, and when the balance of the withdrawal account is greater than or equal to the withdrawal amount, the cash withdrawal transaction instruction is sent. Otherwise, when the balance of the withdrawal account is less than the withdrawal amount, the acquirer server does not send a cash withdrawal transaction instruction, and may feed back prompt information indicating that the balance of the withdrawal account is insufficient to the second terminal.

Fig. 4 is a schematic structural diagram of a cash withdrawal transaction system according to a fourth embodiment of the present invention, and as shown in fig. 4, the cash withdrawal transaction system according to the embodiment of the present invention includes a first terminal 100, a second terminal 200, an acquirer server 300, a withdrawal client issuer server 400, and a third-party server 500, where:

the first terminal 100 is connected with the acquiring bank server 300 in a communication manner, the second terminal 200 is connected with the withdrawal client opening bank server 400 in a wireless communication manner, and the acquiring bank server 300, the withdrawal client opening bank server 400 and the third party server 500 are connected through a financial clearing network. The first terminal 100 may be a merchant terminal such as a desktop computer, a laptop computer, a smart phone, and a tablet computer, and is owned by a merchant; the second terminal 3 may be a mobile terminal such as a mobile phone, and is owned by a customer who withdraws money.

The first terminal 100 transmits a cash withdrawal transaction request including a withdrawal identification, a collection account number, and a withdrawal amount to the acquirer server 300.

The acquiring bank server 300 receives the cash withdrawal transaction request, acquires a withdrawal identifier from the cash withdrawal transaction request, and then obtains a reserved mobile phone number and a withdrawal account number corresponding to the withdrawal identifier according to the withdrawal identifier, wherein the withdrawal account number and the collection account number are account numbers of different banks. The reserved mobile phone number corresponds to the first terminal 100

The acquirer server 300 is used to perform the cash withdrawal transaction method provided by the embodiment of the present invention. The acquirer server 300 may transmit a cash withdrawal transaction confirmation request to the second terminal 200, and if receiving withdrawal confirmation information returned from the second terminal 200, transmit a cash withdrawal transaction instruction to the first terminal 100 so that the merchant pays cash corresponding to the withdrawal amount to the customer.

The third-party server 500 may be a server of a trans-bank remittance agency, and on one hand, may receive an application of a withdrawal identifier submitted by a customer through a bank, provide a query interface of the withdrawal identifier to the bank, and query information such as a corresponding customer name, a withdrawal account number, and a reserved mobile phone number through the withdrawal identifier, and on the other hand, may implement a clearing of a trans-bank transfer.

When a customer applies for a withdrawal mark, information such as a bank account number of the customer, a mobile phone number reserved in a bank by the customer, customer identification information and the like can be provided as application information. After receiving the application information of the customer, the third-party server 500 generates a unique withdrawal identifier for the customer, and then corresponds the withdrawal identifier to information such as a bank account of the customer, a mobile phone number reserved by the customer in a bank, customer identification information and the like. The bank account of the customer is used as the withdrawal account of the customer. The customer identification information includes, but is not limited to, identification numbers, passport numbers, and the like.

Fig. 5 is a flowchart illustrating a cash withdrawal transaction method according to a fifth embodiment of the present invention, and as shown in fig. 5, the cash withdrawal transaction method according to the embodiment of the present invention includes:

s501, receiving a cash withdrawal transaction request sent by a first terminal, wherein the cash withdrawal transaction request comprises a withdrawal identification and a withdrawal amount;

in particular, the first terminal may send a cash withdrawal transaction request to the acquirer server, which may include a withdrawal identification and a withdrawal amount. The acquirer server receives the cash withdrawal transaction request. The withdrawal identification is applied and obtained by an organization corresponding to a third-party server of a withdrawal client, and corresponds to a bank account number of the client and a mobile phone number reserved in a bank by the client. The cash withdrawal transaction request may also include a currency and a collection account number.

S502, if the withdrawal identification is judged to be not belonging to the acquiring bank, sending a withdrawal inquiry request to a third-party server; wherein the withdrawal inquiry request comprises the withdrawal identification;

specifically, after receiving the cash withdrawal transaction request, the acquirer server obtains a withdrawal identifier from the cash withdrawal transaction request, and then determines whether the withdrawal identifier belongs to an acquirer, and if not, sends a withdrawal inquiry request to a third-party server, where the withdrawal inquiry request includes the withdrawal identifier. After receiving the withdrawal inquiry request, the third-party server inquires a reserved mobile phone number and a withdrawal client account opening row corresponding to the withdrawal identification according to the withdrawal identification, and then carries the reserved mobile phone number and the withdrawal client account opening row corresponding to the withdrawal identification in a withdrawal inquiry result to return to the acquirer server.

For example, the acquirer server may query whether the same withdrawal identifier exists in a database according to the withdrawal identifier, and if not, it indicates that the withdrawal identifier is not applied by a bank corresponding to the acquirer server, and the withdrawal identifier does not belong to an acquirer. Or, withdraw including the bank identification bit in the sign, the receipt bank server can follow withdraw and acquire the bank identification bit in the sign, if the bank identification bit in the sign of withdrawing with the bank identification bit of the bank that the receipt bank server corresponds is inequality, then the sign of withdrawing does not pass through the bank that the receipt bank server corresponds applies for, the sign of withdrawing does not belong to the receipt bank. The bank identification positions correspond to banks one by one. The withdrawal identification is in one-to-one correspondence with the bank identification position.

S503, receiving a withdrawal inquiry result returned by the third-party server, wherein the withdrawal inquiry result comprises a reserved mobile phone number corresponding to the withdrawal identifier and a withdrawal client account opening bank;

specifically, the acquiring bank server receives a withdrawal inquiry result returned by the third-party server, where the withdrawal inquiry result includes a reserved mobile phone number corresponding to the withdrawal identifier and a withdrawal client account opening bank.

S504, generating a transaction number and sending a cash withdrawal transaction confirmation request to a second terminal corresponding to the reserved mobile phone number through the withdrawal client account opening bank server; wherein the cash withdrawal transaction confirmation request comprises the transaction number and the withdrawal amount;

specifically, the acquirer server may generate a transaction number for the cash withdrawal transaction request, where the transaction number is used to identify the cash withdrawal transaction. And the acquiring bank server sends a withdrawal assistance confirmation request to the withdrawal client account bank server, wherein the withdrawal assistance confirmation request comprises a cash withdrawal transaction confirmation request and the reserved mobile phone number. And after receiving the withdrawal assistance confirmation request, the withdrawal client account opening bank server sends the cash withdrawal transaction confirmation request to a second terminal corresponding to the reserved mobile phone number. Wherein the cash withdrawal transaction confirmation request includes the transaction number and the withdrawal amount.

S505, if receiving withdrawal confirmation information, sending a cash withdrawal transaction instruction to the first terminal so as to complete the cash withdrawal transaction; the withdrawal confirmation information is sent to the withdrawal client account opening bank server by the second terminal and is forwarded by the withdrawal client account opening bank server; the cash withdrawal transaction indication includes the transaction number and the withdrawal amount.

Specifically, the second terminal may display the cash withdrawal transaction confirmation request including the transaction number and the withdrawal amount. After the customer checks the cash withdrawal transaction confirmation request displayed by the second terminal, the customer confirms the cash withdrawal transaction confirmation request and sends withdrawal confirmation information to the withdrawal customer account opening bank server through the second terminal. And after receiving the withdrawal confirmation information, the withdrawal client account opening bank server sends the withdrawal confirmation information to the acquiring bank server. After receiving the withdrawal confirmation information, the acquirer server sends a cash withdrawal transaction instruction to the first terminal, and the first terminal receives and displays the cash withdrawal transaction instruction. After the staff of the merchant corresponding to the first terminal checks the cash withdrawal transaction instruction, the staff pays cash to the customer according to the withdrawal amount included in the cash withdrawal transaction instruction, so that the cash withdrawal transaction is completed. The cash withdrawal transaction indication may include a transaction number, and the merchant may request the customer to provide the transaction number, and pay the customer cash when the transaction number provided by the customer is the same as the transaction number included in the cash withdrawal transaction indication to ensure accuracy of the cash withdrawal transaction.

The cash withdrawal transaction method provided by the embodiment of the invention can receive a cash withdrawal transaction request sent by a first terminal, sends a withdrawal inquiry request to a third-party server after judging that a withdrawal identification does not belong to an acquiring bank, receives a withdrawal inquiry result returned by the third-party server, generates a transaction number, sends a cash withdrawal transaction confirmation request to a second terminal corresponding to a reserved mobile phone number through a withdrawal client account opening bank server, and sends a cash withdrawal transaction instruction to the first terminal after receiving withdrawal confirmation information so as to complete the cash withdrawal transaction.

On the basis of the above embodiments, further, the withdrawal inquiry result further includes a withdrawal account; correspondingly, the cash withdrawal transaction method provided by the embodiment of the invention further comprises the following steps:

Specifically, the withdrawal inquiry result further includes a withdrawal account corresponding to the withdrawal identifier, and the cash transaction request may include a collection account. The acquiring bank server may send a transfer request to the withdrawal customer account issuer server so as to transfer funds corresponding to the withdrawal amount from a withdrawal account to a collection account, where the transfer request includes the collection account, the withdrawal account, and the withdrawal amount. After receiving the transfer request, the withdrawal customer account opening bank server transfers funds to the withdrawal account, and then transfers the funds of the withdrawal amount to the collection account, and the withdrawal customer account opening bank server can send transfer prompt information to the second terminal. The acquirer server may credit funds for the withdrawal amount to the collection account. Wherein the cash transaction request includes the collection account number. The transfer request may be initiated in real time or may be initiated in a delayed manner, and the transfer request may be set according to actual needs. On the basis of the above embodiments, further, the cash withdrawal transaction request is sent after being subjected to encrypted signature.

Fig. 6 is a flowchart of an interaction of a cash withdrawal transaction method according to a sixth embodiment of the present invention, and as shown in fig. 6, the flow of the cash withdrawal transaction method according to the embodiment of the present invention is as follows:

And secondly, sending a withdrawal inquiry request. And the acquirer server judges whether the withdrawal identification belongs to the acquirer, and if not, sends a withdrawal inquiry request to the third-party server, wherein the withdrawal inquiry request comprises the withdrawal identification.

And thirdly, returning a withdrawal inquiry result. After receiving the withdrawal inquiry request, the third-party server inquires a reserved mobile phone number and a withdrawal client account opening row corresponding to the withdrawal identification according to the withdrawal identification, and then carries the reserved mobile phone number and the withdrawal client account opening row corresponding to the withdrawal identification in a withdrawal inquiry result to return to the acquirer server.

And fourthly, generating a transaction number. The acquirer server generates a transaction number for the cash withdrawal transaction, the transaction number uniquely corresponding to the cash withdrawal transaction.

And step five, sending a withdrawal assistance confirmation request. And the acquirer server sends a withdrawal assistance confirmation request to the withdrawal client account opening bank server, wherein the withdrawal assistance confirmation request comprises a cash withdrawal transaction confirmation request and a reserved mobile phone number. And after receiving the withdrawal assistance confirmation request, the withdrawal client account opening bank server sends a cash withdrawal transaction confirmation request to the second terminal corresponding to the reserved mobile phone number.

And sixthly, sending a cash withdrawal transaction confirmation request. And the second bank server sends the payment pickup request information to the mobile terminal based on the mobile phone number.

And step seven, sending withdrawal confirmation information. After the customer checks the cash withdrawal transaction confirmation request displayed by the second terminal, the customer confirms the cash withdrawal transaction confirmation request and sends withdrawal confirmation information to the withdrawal customer account opening bank server through the second terminal.

And step eight, forwarding withdrawal confirmation information. After receiving the withdrawal confirmation information, the withdrawal client account bank server forwards the withdrawal confirmation information to the acquiring bank server.

And step nine, sending a transfer request. The acquiring bank server can send a transfer request to the opening bank server of the withdrawal client so as to transfer funds corresponding to the withdrawal amount from the withdrawal account to the collecting account, wherein the transfer request comprises the collecting account, the withdrawal account and the withdrawal amount. The withdrawal inquiry result further includes a withdrawal account corresponding to the withdrawal identifier, and the cash transaction request may include a collection account.

Step ten, sending a fund remittance request. After receiving the transfer request, the account opening bank server of the withdrawal customer transfers funds to the withdrawal account, and then sends a fund remittance request to the bank server to remit funds of the payment amount to the collection account.

The eleventh step is sending a cash withdrawal transaction instruction. After receiving the withdrawal confirmation information, the acquirer server sends a cash withdrawal transaction instruction to the first terminal, and the first terminal receives and displays the cash withdrawal transaction instruction. After the staff of the merchant corresponding to the first terminal checks the cash withdrawal transaction instruction, the staff pays cash to the customer according to the withdrawal amount included in the cash withdrawal transaction instruction, so that the cash withdrawal transaction is completed.

The bank server may first query the balance of the withdrawal account through the account opening bank server of the withdrawal client before sending the cash withdrawal transaction instruction, and then send the cash withdrawal transaction instruction when the balance of the withdrawal account is greater than or equal to the withdrawal amount. Otherwise, when the balance of the withdrawal account is smaller than the withdrawal amount, the acquirer server does not send a cash withdrawal transaction instruction to the first terminal, and prompt information that the balance of the withdrawal account is insufficient can be fed back to the second terminal.

Fig. 7 is a schematic flowchart of a registration application process of a withdrawal identifier according to a seventh embodiment of the present invention, and as shown in fig. 7, the registration application process of the withdrawal identifier according to the embodiment of the present invention is as follows:

the first step is to send a withdrawal identification registration request. The withdrawal client can send a withdrawal identification registration request to the withdrawal client account bank server through the second terminal, wherein the withdrawal identification registration request can include information such as a mobile phone number of the client, an identity card number of the client, a bank account number set by the client in a bank corresponding to the withdrawal client account bank server, and the like.

And secondly, forwarding the withdrawal identification registration request. The withdrawal client account bank server forwards the withdrawal identification registration request to the third-party server, and the third-party staff approves the withdrawal identification registration request. And after the approval is passed, the third-party server generates a unique corresponding withdrawal identification for the customer, and correspondingly stores the withdrawal identification, the mobile phone number of the customer, the identification number of the customer, a bank account number set by the customer at a bank corresponding to the account opening bank server of the withdrawal customer, and the like.

And thirdly, sending registration success information. And the third-party server sends registration success information to the withdrawal client account opening bank server, wherein the registration success information comprises withdrawal identification. The withdrawal client account-opening bank server transmits the registration success information to the second terminal.

According to the cash withdrawal transaction method provided by the embodiment of the invention, on one hand, a merchant can initiate cash withdrawal transaction by using mobile banking application on an intelligent terminal of the merchant, and on the other hand, a customer can draw cash from the merchant only by receiving and confirming a withdrawal transaction confirmation message sent by a bank through a mobile phone. The whole transaction is safe and convenient, the problem that cash can only be withdrawn through a bank outlet or an ATM in the prior art is effectively solved, the technical effects of expanding a client cash withdrawal channel and improving the convenience and the safety of cash withdrawal are achieved.

Moreover, the customer registers the withdrawal identification in the remittance agency server, so that a merchant channel for the customer to withdraw cash is not limited to the merchant of the customer's issuer, that is, the merchant and the issuer of the customer may not be the same bank, and the range of the merchant for the customer to withdraw cash is greatly expanded.

The cash withdrawal transaction method provided by the embodiment of the invention initiates cash withdrawal transaction through the merchant, the bank finishes the transfer from the customer to the merchant, and feeds back the transaction processing result information to the customer and the merchant, so that the cash withdrawal of the customer is conveniently and safely finished, the defects of less distribution of bank outlets and self-service cash dispensers and the like are overcome, the cash operation cost of the bank is reduced, the manpower resource of cash management of the merchant is saved, and the three-party sharing win-win of the customer, the merchant and the bank is realized.

The invention is especially suitable for undeveloped areas and villages and towns, and on one hand, merchants in the areas often do not have special money-collecting equipment and networks, and the bank is inconvenient to deposit cash; on the other hand, there are fewer banking outlets and self-service dispensing devices, and people are more accustomed and prefer to use cash, which is also needed in many cases. Meanwhile, according to the technical scheme, the customer registers the withdrawal mark and the related information in the remittance agency, and the withdrawal mark is used in the cash withdrawal business, so that the problems of complexity and information leakage of direct use of a customer withdrawal account are solved, the customer can be supported to withdraw cash from signed merchants of non-customer account opening banks, and the range of the merchants for withdrawing cash from the customer is expanded.

In addition, for some customer groups who are not used to mobile phone banks and intelligent self-service terminals, the cash withdrawal transaction method provided by the embodiment of the invention can finish cash withdrawal business by using the mobile phone with the short message receiving and sending function only by confirming the transaction through the mobile phone, thereby providing convenient, safe and everywhere available cash withdrawal service for the customer and improving the customer experience.

To sum up, the cash withdrawal transaction method provided by the embodiment of the invention not only provides convenient, safe and ubiquitous withdrawal services for customers, but also saves the delivery and operation cost of the self-service cash dispenser for banks, and saves the labor cost of cash management for merchants, thereby greatly saving social resources.

Fig. 8 is a schematic structural diagram of an acquiring bank server according to an eighth embodiment of the present invention, and as shown in fig. 8, the acquiring bank server according to the embodiment of the present invention includes a first receiving unit 801, an inquiring unit 802, a first sending unit 803, and a first withdrawal indicating unit 804, where:

the first receiving unit 801 is configured to receive a cash withdrawal transaction request sent by a first terminal, where the cash withdrawal transaction request includes a withdrawal identifier and a withdrawal amount; the query unit 802 is configured to, after determining that the withdrawal identifier belongs to an acquiring bank, query and obtain withdrawal protocol information according to the withdrawal identifier, and generate a transaction number; wherein the withdrawal protocol information comprises a reserved mobile phone number; the first sending unit 803 is configured to send a cash withdrawal transaction confirmation request to the second terminal corresponding to the reserved mobile phone number; wherein the cash withdrawal transaction confirmation request comprises the transaction number and the withdrawal amount; the first withdrawal instruction unit 804 is configured to, after receiving withdrawal confirmation information returned by the second terminal, send a cash withdrawal transaction instruction to the first terminal so as to complete a cash withdrawal transaction; wherein the cash withdrawal transaction indication comprises the transaction number and the withdrawal amount.

In particular, the first terminal may send a cash withdrawal transaction request, which may include a withdrawal identification and a withdrawal amount, to the first receiving unit 801. The first receiving unit 801 receives the cash withdrawal transaction request. The withdrawal identification is applied and obtained by a withdrawal client to a bank or a third-party institution, and corresponds to a bank account number of the client and a mobile phone number reserved by the client in the bank. The cash withdrawal transaction request may also include a currency and a collection account number.

After receiving the cash withdrawal transaction request, a withdrawal identifier is obtained from the cash withdrawal transaction request, then the query unit 802 determines whether the withdrawal identifier belongs to an acquiring bank, if the withdrawal identifier belongs to the acquiring bank, the query unit queries withdrawal protocol information corresponding to the withdrawal identifier according to the withdrawal identifier, and generates a transaction number for the cash withdrawal transaction request, where the transaction number is used to identify the cash withdrawal transaction. The withdrawal protocol information includes information such as a reserved mobile phone number and a withdrawal account number, and is set according to actual needs, which is not limited in the embodiment of the present invention.

After obtaining the reserved mobile phone number, the first sending unit 803 sends a cash withdrawal transaction confirmation request to a second terminal corresponding to the reserved mobile phone number, where the second terminal displays the cash withdrawal transaction confirmation request, and the cash withdrawal transaction confirmation request includes the transaction number and the withdrawal amount. The customer confirms the cash withdrawal transaction confirmation request after viewing the cash withdrawal transaction confirmation request displayed by the second terminal, and the second terminal sends withdrawal confirmation information to the first withdrawal instruction unit 804 after receiving the cash withdrawal transaction confirmation request from the customer.

And if receiving withdrawal confirmation information returned by the second terminal, sending a cash withdrawal transaction instruction to the first terminal, and receiving and displaying the cash withdrawal transaction instruction by the first terminal. After the merchant corresponding to the first terminal checks the cash withdrawal transaction instruction, cash is paid to the customer according to the withdrawal amount included in the cash withdrawal transaction instruction, so that the cash withdrawal transaction is completed. The cash withdrawal transaction indication may include a transaction number, and the merchant may request the customer to provide the transaction number, and pay the customer cash when the transaction number provided by the customer is the same as the transaction number included in the cash withdrawal transaction indication to ensure accuracy of the cash withdrawal transaction.

The acquirer server provided by the embodiment of the invention receives a cash withdrawal transaction request sent by a first terminal, inquires and obtains withdrawal protocol information according to a withdrawal identifier after judging that the withdrawal identifier belongs to an acquirer, generates a transaction number, sends a cash withdrawal transaction confirmation request to a second terminal corresponding to a reserved mobile phone number, and sends a cash withdrawal transaction instruction to the first terminal to complete the cash withdrawal transaction if receiving the withdrawal confirmation information returned by the second terminal, so that the cash withdrawal transaction can be conveniently completed, and the cash withdrawal efficiency is improved.

Fig. 9 is a schematic structural diagram of an acquiring bank server according to a ninth embodiment of the present invention, as shown in fig. 9, on the basis of the foregoing embodiments, further, the withdrawal protocol information further includes a withdrawal account corresponding to the withdrawal identifier; correspondingly, the acquirer server provided in the embodiment of the present invention further includes a first initiating unit 805, where:

a first initiating unit 805 is configured to initiate a transfer request to facilitate transfer of funds corresponding to the withdrawal amount from the withdrawal account to a collection account; wherein the cash transaction request includes the collection account number.

Specifically, the withdrawal protocol information further includes a withdrawal account corresponding to the withdrawal identifier, and the cash transaction request may include a collection account. The first initiating unit 805 may initiate a transfer request to transfer funds corresponding to the withdrawal amount from the withdrawal account to the collection account. Wherein the cash transaction request includes the collection account number. The transfer request may be initiated in real time or may be initiated in a delayed manner, and the transfer request may be set according to actual needs.

Specifically, to secure the transmission of information, the cash withdrawal transaction request is sent after being cryptographically signed. The first receiving unit 801 may decrypt the cryptographically signed cash withdrawal transaction request according to the cryptographically signed public key after receiving the cryptographically signed cash withdrawal transaction request.

Fig. 10 is a schematic structural diagram of an acquiring bank server according to a ninth embodiment of the present invention, and as shown in fig. 10, the acquiring bank server according to the embodiment of the present invention includes a second receiving unit 1001, a second sending unit 1002, a third receiving unit 1003, a generating unit 1004, and a second withdrawal indicating unit 1005, where:

the second receiving unit 1001 is configured to receive a cash withdrawal transaction request sent by a first terminal, where the cash withdrawal transaction request includes a withdrawal identifier and a withdrawal amount; the second sending unit 1002 is configured to send a withdrawal query request to a third-party server after determining that the withdrawal identifier does not belong to the acquiring bank; wherein the withdrawal inquiry request comprises the withdrawal identification; the third receiving unit 1003 is configured to receive a withdrawal inquiry result returned by the third-party server, where the withdrawal inquiry result includes a reserved mobile phone number corresponding to the withdrawal identifier and a withdrawal client account opening bank; the generating unit 1004 is configured to generate a transaction number and send a cash withdrawal transaction confirmation request to the second terminal corresponding to the reserved mobile phone number through the withdrawal customer account opening bank; wherein the cash withdrawal transaction confirmation request comprises the transaction number and the withdrawal amount; a second withdrawal instruction unit 1005 for, after receiving the withdrawal confirmation information, transmitting a cash withdrawal transaction instruction to the first terminal in order to complete the cash withdrawal transaction; the withdrawal confirmation information is sent to the withdrawal client account opening bank server by the second terminal and is forwarded by the withdrawal client account opening bank server; the cash withdrawal transaction indication includes the transaction number and the withdrawal amount.

In particular, the first terminal may send a cash withdrawal transaction request, which may include a withdrawal identification and a withdrawal amount, to the second receiving unit 1001. The second receiving unit 1001 receives the cash withdrawal transaction request. The withdrawal identification is applied and obtained by an organization corresponding to a third-party server of a withdrawal client, and corresponds to a bank account number of the client and a mobile phone number reserved in a bank by the client. The cash withdrawal transaction request may also include a currency and a collection account number.

After receiving the cash withdrawal transaction request, the second sending unit 1002 obtains a withdrawal identifier from the cash withdrawal transaction request, then determines whether the withdrawal identifier belongs to an acquirer, and if not, sends a withdrawal inquiry request to a third party server, where the withdrawal inquiry request includes the withdrawal identifier. After receiving the withdrawal inquiry request, the third-party server inquires the reserved mobile phone number and the withdrawal client account opening row corresponding to the withdrawal identifier according to the withdrawal identifier, and then carries the reserved mobile phone number and the withdrawal client account opening row corresponding to the withdrawal identifier in a withdrawal inquiry result and returns the withdrawal inquiry result to the third receiving unit 1003.

The third receiving unit 1003 receives a withdrawal inquiry result returned by the third-party server, where the withdrawal inquiry result includes a reserved mobile phone number corresponding to the withdrawal identifier and a withdrawal client account opening bank.

The generation unit 1004 generates a transaction number for the cash withdrawal transaction request, the transaction number identifying the cash withdrawal transaction. The generation unit 1004 transmits a withdrawal assistance confirmation request including a cash withdrawal transaction confirmation request and the reserved cell phone number to the withdrawal customer account opening bank server. And after receiving the withdrawal assistance confirmation request, the withdrawal client account opening bank server sends the cash withdrawal transaction confirmation request to a second terminal corresponding to the reserved mobile phone number. Wherein the cash withdrawal transaction confirmation request includes the transaction number and the withdrawal amount.

The second terminal may display the cash withdrawal transaction confirmation request including the transaction number and the withdrawal amount. After the customer checks the cash withdrawal transaction confirmation request displayed by the second terminal, the customer confirms the cash withdrawal transaction confirmation request and sends withdrawal confirmation information to the withdrawal customer account opening bank server through the second terminal. After receiving the withdrawal confirmation information, the withdrawal client account opening bank server sends the withdrawal confirmation information to a second withdrawal instruction unit 1005. After receiving the withdrawal confirmation information, the second withdrawal instruction unit 1005 may send a cash withdrawal transaction instruction to the first terminal, and the first terminal may receive and display the cash withdrawal transaction instruction. After the staff of the merchant corresponding to the first terminal checks the cash withdrawal transaction instruction, the staff pays cash to the customer according to the withdrawal amount included in the cash withdrawal transaction instruction, so that the cash withdrawal transaction is completed. The cash withdrawal transaction indication may include a transaction number, and the merchant may request the customer to provide the transaction number, and pay the customer cash when the transaction number provided by the customer is the same as the transaction number included in the cash withdrawal transaction indication to ensure accuracy of the cash withdrawal transaction.

The acquirer server provided by the embodiment of the invention can receive a cash withdrawal transaction request sent by a first terminal, sends a withdrawal inquiry request to a third-party server after judging that a withdrawal identifier does not belong to an acquirer, receives a withdrawal inquiry result returned by the third-party server, generates a transaction number, sends a cash withdrawal transaction confirmation request to a second terminal corresponding to a reserved mobile phone number through a withdrawal client account opening bank server, and sends a cash withdrawal transaction instruction to the first terminal after receiving withdrawal confirmation information so as to complete a cash withdrawal transaction.

Fig. 11 is a schematic structural diagram of a cash withdrawal transaction apparatus according to a tenth embodiment of the present invention, and as shown in fig. 11, on the basis of the foregoing embodiments, the withdrawal inquiry result further includes a withdrawal account corresponding to the withdrawal identifier; correspondingly, the acquirer server provided in the embodiment of the present invention further includes a second initiating unit 1006, where:

the second initiating unit 1006 is configured to initiate a transfer request to transfer funds corresponding to the withdrawal amount from the withdrawal account to a collection account; wherein the cash transaction request includes the collection account number.

Specifically, the withdrawal inquiry result further includes a withdrawal account corresponding to the withdrawal identifier, and the cash transaction request may include a collection account. The second initiating unit 1006 may send a transfer request to the withdrawal customer account issuer server, where the transfer request transfers funds corresponding to the withdrawal amount from a withdrawal account to a collection account, and the transfer request includes the collection account, the withdrawal account, and the withdrawal amount. After receiving the transfer request, the withdrawal customer account opening bank server transfers funds to the withdrawal account, and then transfers the funds of the withdrawal amount to the collection account, and the withdrawal customer account opening bank server can send transfer prompt information to the second terminal. The second origination unit 1006 bills funds for the withdrawal amount to the collection account. Wherein the cash transaction request includes the collection account number. The transfer request may be initiated in real time or may be initiated in a delayed manner, and the transfer request may be set according to actual needs.

Specifically, to secure the transmission of information, the cash withdrawal transaction request is sent after being cryptographically signed. The second receiving unit 1001 may decrypt the cryptographically signed cash withdrawal transaction request according to the cryptographically signed public key after receiving the cryptographically signed cash withdrawal transaction request.

The embodiment of the acquirer server provided in the embodiments of the present invention may be specifically configured to execute the processing flow of each method embodiment, and the functions of the acquirer server are not described herein again, and refer to the detailed description of the method embodiments.

It should be noted that the cash withdrawal transaction method, the acquirer server and the system provided by the embodiment of the present invention may be used in the financial field, and may also be used in any technical field other than the financial field.

Fig. 12 is a schematic physical structure diagram of an electronic device according to a twelfth embodiment of the present invention, and as shown in fig. 12, the electronic device may include: a processor (processor)1201, a communication Interface (Communications Interface)1202, a memory (memory)1203 and a communication bus 1204, wherein the processor 1201, the communication Interface 1202 and the memory 1203 communicate with each other through the communication bus 1204. The processor 1201 may call logic instructions in the memory 1203 to perform the following method: receiving a cash withdrawal transaction request sent by a first terminal, wherein the cash withdrawal transaction request comprises a withdrawal identification and a withdrawal amount; if the withdrawal identification is judged to belong to the acquiring bank, inquiring and obtaining withdrawal protocol information according to the withdrawal identification, and generating a transaction number; wherein the withdrawal protocol information comprises a reserved mobile phone number; sending a cash withdrawal transaction confirmation request to a second terminal corresponding to the reserved mobile phone number; wherein the cash withdrawal transaction confirmation request comprises the transaction number and the withdrawal amount; if receiving withdrawal confirmation information returned by the second terminal, sending a cash withdrawal transaction instruction to the first terminal so as to complete the cash withdrawal transaction; wherein the cash withdrawal transaction indication comprises the transaction number and the withdrawal amount. Or

Receiving a cash withdrawal transaction request sent by a first terminal, wherein the cash withdrawal transaction request comprises a withdrawal identification and a withdrawal amount; if the withdrawal identification is judged to be not belonging to the acquiring bank, sending a withdrawal inquiry request to a third-party server; wherein the withdrawal inquiry request comprises the withdrawal identification; receiving a withdrawal inquiry result returned by the third-party server, wherein the withdrawal inquiry result comprises a reserved mobile phone number corresponding to the withdrawal identification and a withdrawal client account opening bank; generating a transaction number and sending a cash withdrawal transaction confirmation request to a second terminal corresponding to the reserved mobile phone number through the withdrawal client account opening bank server; wherein the cash withdrawal transaction confirmation request comprises the transaction number and the withdrawal amount; if receiving withdrawal confirmation information, sending a cash withdrawal transaction instruction to the first terminal so as to complete the cash withdrawal transaction; the withdrawal confirmation information is sent to the withdrawal client account opening bank server by the second terminal and is forwarded by the withdrawal client account opening bank server; the cash withdrawal transaction indication includes the transaction number and the withdrawal amount.

In addition, the logic instructions in the memory 1203 may be implemented in the form of software functional units and stored in a computer readable storage medium when the logic instructions are sold or used as independent products. Based on such understanding, the technical solution of the present invention may be embodied in the form of a software product, which is stored in a storage medium and includes instructions for causing a computer device (which may be a personal computer, a server, or a network device) to execute all or part of the steps of the method according to the embodiments of the present invention. And the aforementioned storage medium includes: a U-disk, a removable hard disk, a Read-Only Memory (ROM), a Random Access Memory (RAM), a magnetic disk or an optical disk, and other various media capable of storing program codes.

The present embodiment discloses a computer program product comprising a computer program stored on a non-transitory computer readable storage medium, the computer program comprising program instructions which, when executed by a computer, enable the computer to perform the method provided by the above-mentioned method embodiments, for example, comprising:

receiving a cash withdrawal transaction request sent by a first terminal, wherein the cash withdrawal transaction request comprises a withdrawal identification and a withdrawal amount; if the withdrawal identification is judged to belong to the acquiring bank, inquiring and obtaining withdrawal protocol information according to the withdrawal identification, and generating a transaction number; wherein the withdrawal protocol information comprises a reserved mobile phone number; sending a cash withdrawal transaction confirmation request to a second terminal corresponding to the reserved mobile phone number; wherein the cash withdrawal transaction confirmation request comprises the transaction number and the withdrawal amount; if receiving withdrawal confirmation information returned by the second terminal, sending a cash withdrawal transaction instruction to the first terminal so as to complete the cash withdrawal transaction; wherein the cash withdrawal transaction indication comprises the transaction number and the withdrawal amount. Or

The present embodiment provides a computer-readable storage medium, which stores a computer program, where the computer program causes the computer to execute the method provided by the above method embodiments, for example, the method includes: receiving a cash withdrawal transaction request sent by a first terminal, wherein the cash withdrawal transaction request comprises a withdrawal identification and a withdrawal amount; if the withdrawal identification is judged to belong to the acquiring bank, inquiring and obtaining withdrawal protocol information according to the withdrawal identification, and generating a transaction number; wherein the withdrawal protocol information comprises a reserved mobile phone number; sending a cash withdrawal transaction confirmation request to a second terminal corresponding to the reserved mobile phone number; wherein the cash withdrawal transaction confirmation request comprises the transaction number and the withdrawal amount; if receiving withdrawal confirmation information returned by the second terminal, sending a cash withdrawal transaction instruction to the first terminal so as to complete the cash withdrawal transaction; wherein the cash withdrawal transaction indication comprises the transaction number and the withdrawal amount. Or

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.

In the description herein, reference to the description of the terms "one embodiment," "a particular embodiment," "some embodiments," "for example," "an example," "a particular example," or "some examples," etc., means 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 the invention. In this specification, the schematic representations of the terms used above do not necessarily refer to the same embodiment or example. Furthermore, the particular features, structures, materials, or characteristics described may be combined in any suitable manner in any one or more embodiments or examples.

The above-mentioned embodiments are intended to illustrate the objects, technical solutions and advantages of the present invention in further detail, and it should be understood that the above-mentioned embodiments are only exemplary embodiments of the present invention, and are not intended to limit the scope of the present invention, and any modifications, equivalent substitutions, improvements and the like made within the spirit and principle of the present invention should be included in the scope of the present invention.

Claims

1. A cash withdrawal transaction method, comprising:

2. The method of claim 1, wherein the withdrawal protocol information further comprises a withdrawal account number corresponding to the withdrawal identification; accordingly, the method further comprises:

3. The method of claim 1 or 2, wherein the cash withdrawal transaction request is sent after being cryptographically signed.

4. A cash withdrawal transaction method, comprising:

5. The method of claim 4, wherein the withdrawal inquiry result further comprises a withdrawal account corresponding to the withdrawal identifier; accordingly, the method further comprises:

6. The method of claim 4 or 5, wherein the cash withdrawal transaction request is sent after being cryptographically signed.

7. An acquirer server, comprising:

8. The acquirer server of claim 7, wherein the withdrawal protocol information further includes a withdrawal account number corresponding to the withdrawal identification; accordingly, the acquirer server further includes:

a first initiating unit, configured to initiate a transfer request so as to transfer funds corresponding to the withdrawal amount from the withdrawal account to a collection account; wherein the cash transaction request includes the collection account number.

9. An acquirer server according to claim 7 or 8, where the cash withdrawal transaction request is sent after being cryptographically signed.

10. An acquirer server, comprising:

11. The acquirer server of claim 10, wherein the withdrawal query result further includes a withdrawal account number corresponding to the withdrawal identification; accordingly, the acquirer server further includes:

the second initiating unit is used for initiating a transfer request so as to transfer funds corresponding to the withdrawal amount from the withdrawal account to a collection account; wherein the cash transaction request includes the collection account number.

12. An acquirer server according to claim 10 or 11, where the cash withdrawal transaction request is sent after being cryptographically signed.

13. A cash withdrawal transaction system comprising an acquirer server, a first terminal and a second terminal according to any one of claims 7 to 9, wherein: the first terminal is in communication connection with the acquirer server, and the acquirer server is in wireless communication connection with the second terminal.

14. A cash withdrawal transaction system comprising an acquirer server, a first terminal, a second terminal, a withdrawal client issuer server and a third party server according to any one of claims 10 to 12, wherein:

15. An electronic device comprising a memory, a processor and a computer program stored on the memory and executable on the processor, wherein the steps of the method of any one of claims 1 to 3 are performed by the processor when executing the computer program, or the steps of the method of any one of claims 4 to 6 are performed.

16. A computer-readable storage medium, on which a computer program is stored, which, when being executed by a processor, carries out the steps of the method of any one of claims 1 to 3, or carries out the steps of the method of any one of claims 4 to 6.