CN113052680A - Combined withdrawal method, device and system - Google Patents
Combined withdrawal method, device and system Download PDFInfo
- Publication number
- CN113052680A CN113052680A CN202110422924.0A CN202110422924A CN113052680A CN 113052680 A CN113052680 A CN 113052680A CN 202110422924 A CN202110422924 A CN 202110422924A CN 113052680 A CN113052680 A CN 113052680A
- Authority
- CN
- China
- Prior art keywords
- withdrawal
- joint
- customer
- information
- equipment
- Prior art date
- Legal status (The legal status is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the status listed.)
- Pending
Links
- 238000000034 method Methods 0.000 title claims abstract description 43
- 238000013475 authorization Methods 0.000 claims abstract description 101
- 238000004590 computer program Methods 0.000 claims description 15
- 238000010586 diagram Methods 0.000 description 9
- 230000008569 process Effects 0.000 description 6
- 230000006870 function Effects 0.000 description 3
- 230000003993 interaction Effects 0.000 description 3
- 238000013461 design Methods 0.000 description 2
- 230000003287 optical effect Effects 0.000 description 2
- RWSOTUBLDIXVET-UHFFFAOYSA-N Dihydrogen sulfide Chemical compound S RWSOTUBLDIXVET-UHFFFAOYSA-N 0.000 description 1
- 238000013459 approach Methods 0.000 description 1
- 238000012550 audit Methods 0.000 description 1
- 230000009286 beneficial effect Effects 0.000 description 1
- 230000001680 brushing effect Effects 0.000 description 1
- 238000004891 communication Methods 0.000 description 1
- 238000010276 construction Methods 0.000 description 1
- 230000007547 defect Effects 0.000 description 1
- 238000000151 deposition Methods 0.000 description 1
- 238000005516 engineering process Methods 0.000 description 1
- 239000000835 fiber Substances 0.000 description 1
- 230000000977 initiatory effect Effects 0.000 description 1
- 238000012986 modification Methods 0.000 description 1
- 230000004048 modification Effects 0.000 description 1
- 238000012545 processing Methods 0.000 description 1
- 238000006467 substitution reaction Methods 0.000 description 1
- 238000012546 transfer Methods 0.000 description 1
Images
Classifications
-
- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
- G06Q40/02—Banking, e.g. interest calculation or account maintenance
-
- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06F—ELECTRIC DIGITAL DATA PROCESSING
- G06F21/00—Security arrangements for protecting computers, components thereof, programs or data against unauthorised activity
- G06F21/30—Authentication, i.e. establishing the identity or authorisation of security principals
- G06F21/31—User authentication
- G06F21/32—User authentication using biometric data, e.g. fingerprints, iris scans or voiceprints
-
- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06F—ELECTRIC DIGITAL DATA PROCESSING
- G06F21/00—Security arrangements for protecting computers, components thereof, programs or data against unauthorised activity
- G06F21/30—Authentication, i.e. establishing the identity or authorisation of security principals
- G06F21/31—User authentication
- G06F21/33—User authentication using certificates
-
- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q10/00—Administration; Management
- G06Q10/06—Resources, workflows, human or project management; Enterprise or organisation planning; Enterprise or organisation modelling
- G06Q10/063—Operations research, analysis or management
- G06Q10/0635—Risk analysis of enterprise or organisation activities
Abstract
The invention provides a joint fund collection method, a device and a system, and belongs to the technical field of finance or other technical fields. The joint withdrawal method comprises the following steps: receiving a customer withdrawal request, and sending an associated withdrawal instruction to each withdrawal device according to the customer withdrawal request so that each withdrawal device returns associated withdrawal information according to the associated withdrawal instruction; selecting the joint withdrawal equipment from the withdrawal equipment according to the joint withdrawal information; generating a withdrawal authorization request according to the withdrawal request of the customer, and sending the withdrawal authorization request to the background system so that the background system returns authorization success information and token information according to the withdrawal authorization request; and displaying the token information to the customer according to the successful authorization information to enable the joint withdrawal equipment to discharge the money according to the token information input by the customer. The cash withdrawal system can effectively combine a plurality of cash withdrawal devices of a network point to provide cash withdrawal service for customers, and improves the transaction efficiency, the utilization rate of the balance of the cash box of the cash withdrawal device and the customer experience.
Description
Technical Field
The invention relates to the technical field of finance, in particular to a joint money taking method, device and system.
Background
Along with the intelligent construction of banks, cash services of counters are gradually moved to depositing and withdrawing equipment such as an ATM (automatic teller machine), and a client can complete identity authentication with the equipment in various modes (physical cards, non-contact, face brushing and the like) and transact the cash services by self. Meanwhile, a part of banks synchronously release the withdrawal limit of the self-service equipment, and the customer is allowed to carry out withdrawal operation with a large amount, for example, the withdrawal limit of the customer manager on a day is increased from 2 ten thousand to 20 ten thousand through background real-time check and audit.
The existing money withdrawing device provides a mode of interaction between a single device and a customer, when the customer withdraws money, the device judges whether the money withdrawing requirement of the customer can be met or not according to the balance of a money box of the customer, when the balance of the money box is smaller than the money withdrawing amount of the customer, the transaction of the customer can be directly refused, and the customer cannot know the actual balance of the money box of the device, so that the money withdrawing requirement cannot be met. If the customer tries in a small amount mode, the customer also needs to repeatedly operate for multiple times to meet the cash withdrawal requirement, the customer is not friendly enough, and the transaction efficiency and the utilization rate of the balance of the cash box are low.
Disclosure of Invention
The embodiment of the invention mainly aims to provide a joint money withdrawing method, a device and a system, which are used for providing cash withdrawing service for customers by effectively combining a plurality of money withdrawing devices of a network, and improving the transaction efficiency, the utilization rate of the balance of a money box of the money withdrawing device and the customer experience.
In order to achieve the above object, an embodiment of the present invention provides a joint fund collection method, including:
receiving a customer withdrawal request, and sending an associated withdrawal instruction to each withdrawal device according to the customer withdrawal request so that each withdrawal device returns associated withdrawal information according to the associated withdrawal instruction;
selecting the joint withdrawal equipment from the withdrawal equipment according to the joint withdrawal information;
generating a withdrawal authorization request according to the withdrawal request of the customer, and sending the withdrawal authorization request to the background system so that the background system returns authorization success information and token information according to the withdrawal authorization request;
and displaying the token information to the customer according to the successful authorization information to enable the joint withdrawal equipment to discharge the money according to the token information input by the customer.
The embodiment of the invention also provides a combined money taking device, which comprises:
the joint withdrawal instruction module is used for receiving a customer withdrawal request and sending a joint withdrawal instruction to each withdrawal device according to the customer withdrawal request so as to enable each withdrawal device to return joint withdrawal information according to the joint withdrawal instruction;
the joint withdrawal equipment selection module is used for selecting joint withdrawal equipment from the withdrawal equipment according to the joint withdrawal information;
the withdrawal authorization request generation module is used for generating a withdrawal authorization request according to the withdrawal request of the customer and sending the withdrawal authorization request to the background system so that the background system returns authorization success information and token information according to the withdrawal authorization request;
and the cash dispensing and displaying module is used for dispensing cash according to the authorization success information and displaying token information to the customer so that the joint withdrawal equipment dispenses the cash according to the token information input by the customer.
The embodiment of the invention also provides computer equipment which comprises a memory, a processor and a computer program stored on the memory and running on the processor, wherein the processor realizes the steps of the joint withdrawal method when executing the computer program.
Embodiments of the present invention further provide a computer-readable storage medium, on which a computer program is stored, where the computer program, when executed by a processor, implements the steps of the joint withdrawal method.
The embodiment of the invention also provides a joint money taking system, which comprises:
an associated withdrawal apparatus as described above;
the plurality of withdrawing devices are used for returning the joint withdrawing information according to the joint withdrawing instruction and outputting money according to the token information input by the customer;
and the background system is used for returning authorization success information and token information according to the withdrawal authorization request.
The joint withdrawal method, the device and the system can select joint withdrawal equipment from the withdrawal equipment according to the joint withdrawal information; the cash withdrawal authorization request is generated according to the cash withdrawal request of the customer to obtain authorization success information and token information, cash is dispensed according to the authorization success information, the token information is displayed to the customer, so that the combined cash withdrawal device dispenses cash according to the token information input by the customer, a plurality of cash withdrawal devices of a network can be effectively combined to provide cash withdrawal service for the customer, and the transaction efficiency, the cash box balance utilization rate of the cash withdrawal device and the customer experience are 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 will be briefly introduced below, and it is obvious that the drawings in the following description are only some embodiments of the present invention, and it is obvious for those skilled in the art that other drawings can be obtained based on these drawings without creative efforts.
FIG. 1 is a flow diagram of a method for joint withdrawal in accordance with an embodiment of the invention;
FIG. 2 is a flow diagram of a method of joint withdrawal in accordance with another embodiment of the invention;
FIG. 3 is a flowchart of S102 in an embodiment of the present invention;
FIG. 4 is a flow diagram of an associated withdrawal process for an associated withdrawal device in an embodiment of the invention;
FIG. 5 is a block diagram of an embodiment of an apparatus for joint withdrawal of funds;
FIG. 6 is a block diagram of a computer apparatus according to an embodiment of the present invention;
fig. 7 is a schematic structural diagram of an associated withdrawal system according to an embodiment of the present invention.
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.
As will be appreciated by one skilled in the art, embodiments of the present invention may be embodied as a system, apparatus, device, method, or computer program product. Accordingly, the present disclosure may be embodied in the form of: entirely hardware, entirely software (including firmware, resident software, micro-code, etc.), or a combination of hardware and software.
In view of the fact that the prior art cannot meet cash withdrawal requirements of customers, is not friendly to the customers, and has low transaction efficiency and low utilization rate of balance of a cash box, the embodiment of the invention provides a combined cash withdrawal method, overcomes the defects in the single interaction technology of the existing cash withdrawal equipment, is simple to implement and low in implementation cost, can effectively combine a plurality of cash withdrawal equipment of a network point to provide cash withdrawal service for the customers, and improves the transaction efficiency, the utilization rate of balance of the cash box of the cash withdrawal equipment and customer experience.
Fig. 1 is a flowchart of a joint withdrawal method according to an embodiment of the present invention. Fig. 2 is a flowchart of a method for joint withdrawal in another embodiment of the invention. As shown in fig. 1 and 2, the joint withdrawal method includes:
s101: receiving a customer withdrawal request, and sending an associated withdrawal instruction to each withdrawal device according to the customer withdrawal request so that each withdrawal device returns the associated withdrawal information according to the associated withdrawal instruction.
Before executing S101, the method further includes: the customer carries out withdrawal operation, and when the withdrawal amount in a withdrawal request input by the customer is larger than the local amount, a joint withdrawal flow is started to prompt the customer: if the money box is insufficient, the device provides part of money, and the rest money is provided by combining with a certain device to inquire whether a customer agrees to start the combined withdrawal. If the customer does not agree to start the joint withdrawal, the machine is prompted to withdraw money and the customer is inquired whether to modify the withdrawal money. If the customer agrees to make the joint withdrawal, S101 is performed.
S102: and selecting the joint withdrawal equipment from the withdrawal equipment according to the joint withdrawal information.
Fig. 3 is a flowchart of S102 in the embodiment of the present invention. As shown in fig. 3, S102 includes:
s201: the remaining amount is determined based on the customer withdrawal request and the local amount.
And the residual amount is the difference value between the withdrawal amount in the withdrawal request of the client and the local amount.
S202: and selecting target withdrawing equipment from the withdrawing equipment according to the comparison result of the combined amount and the residual amount in the combined withdrawing information.
In specific implementation, when the combined amount in the combined withdrawal information of the withdrawal device is greater than or equal to the remaining amount, the withdrawal device is determined to be the target withdrawal device.
S203: and selecting the joint withdrawal equipment from the target withdrawal equipment according to the joint withdrawal information of the target withdrawal equipment.
The joint withdrawal information comprises the distance between the target withdrawal device and the local withdrawal device serving as an execution subject, the working state of the target withdrawal device and the queuing condition of the target withdrawal device, which is acquired by a camera of the target withdrawal device.
In one embodiment, S203 includes: determining parameters of each withdrawing device according to the joint withdrawing information of each target withdrawing device and the corresponding preset weight; and selecting the target withdrawing device corresponding to the minimum value of each withdrawing device parameter as the joint withdrawing device.
The invention can ensure that the target determines the corresponding preset weight under the constraint of reliability through a multi-target scheduling algorithm (such as an MOO algorithm) so as to dynamically search the optimal joint withdrawal equipment, thereby avoiding excessive waiting of customers.
In one embodiment, each withdrawal device parameter may be determined by the following formula:
wi＝li·θl+si·θs+ti·θt，si∈{0,1}，i＝1……n；
wherein, wiWithdrawal device parameters for the ith target withdrawal device,/iIs the distance between the ith target withdrawal device and the local withdrawal device, thetalFor presetting the distance weight, siFor the operating state of the ith target dispensing device, thetasFor presetting the work weight, tiFor queuing of the ith target dispensing device, θtThe queuing weight is preset. When s isiWhen the number of the target withdrawing devices is 1, the ith target withdrawing device is in an operating state; when s isiWhen the value is 0, the ith target withdrawal device is in an idle state.
S103: and generating a withdrawal authorization request according to the withdrawal request of the customer, and sending the withdrawal authorization request to the background system so that the background system returns authorization success information and token information according to the withdrawal authorization request.
Before executing S103, the method further includes: the method comprises the steps of collecting client characteristic information including a Bluetooth module identification code of a client mobile terminal and biological characteristics (such as human face characteristics, iris characteristics and fingerprint characteristics) of a client, and synchronizing the client characteristic information to the joint money withdrawing device.
In one embodiment, S103 includes: and generating a withdrawal authorization request comprising a local device identifier and a joint device identifier according to the withdrawal request of the client, and sending the withdrawal authorization request to a background system so that the background system deducts local amount corresponding to the local device identifier, freezes residual amount corresponding to the joint device identifier, and returns authorization success information, token information and token valid time.
S104: and displaying the token information to the customer according to the successful authorization information to enable the joint withdrawal equipment to discharge the money according to the token information input by the customer.
In one embodiment, the method further comprises: and displaying the token valid time, the serial number and the position information of the joint withdrawal device to the client, synchronously sending the token valid time to the joint withdrawal device, and informing the joint withdrawal device of starting.
Fig. 4 is a flow chart of an associated withdrawal process of an associated withdrawal device according to an embodiment of the present invention. As shown in fig. 4, the joint withdrawal device may continuously detect whether a customer is approaching or arriving via the bluetooth module identification code. And if the customer corresponding to the Bluetooth module identification code arrives, displaying the joint withdrawal page. The joint withdrawal page comprises a token input page, a reserved mobile phone number input page, a certificate number input page and a user-defined joint withdrawal code input page, and biological characteristics of the customer are collected at the same time. And when the biological characteristics of the customer collected by the joint withdrawal device are consistent with those from the local withdrawal device, sending an authorization request comprising a joint device identifier, token information input by the customer, a mobile phone number, a certificate number and a self-defined joint withdrawal code to the background system. And the background system matches and compares the mobile phone number, the certificate number and the self-defined joint withdrawal code from the joint withdrawal equipment with the information pre-reserved in the bank by the customer. The user-defined joint withdrawal code needs the customer to preset in advance through channels such as a mobile phone bank, an internet bank or a counter.
When the matching is consistent and the token is valid within the time, the background system unfreezes and deducts the residual amount corresponding to the joint equipment identification and the token information, and returns the residual amount authorization success information to the joint withdrawal equipment so as to reduce the token information leakage risk. And the joint withdrawal equipment discharges money and prints a voucher according to the information of successful authorization of the residual amount, and the joint withdrawal transaction is finished.
And when the joint withdrawal device does not receive the information of successful residual amount authorization within the token valid time, the joint withdrawal process is exited, a frozen amount unfreezing notice is initiated to the background system, and the background system unfreezes the corresponding residual amount according to the joint device identification in the frozen amount unfreezing notice, so that the available balance of the customer is recovered.
The execution subject of the joint withdrawal method shown in fig. 1 may be a withdrawal device. Each withdrawal device comprises a Bluetooth module, and the Bluetooth module is connected with a mobile terminal of a user and used for realizing the authentication of the user and the judgment of the distance between the user and the withdrawal device. All the withdrawing devices are connected through a wired network, and information interaction among the withdrawing devices is realized. As can be seen from the flow shown in fig. 1, the joint withdrawal method according to the embodiment of the present invention may select a joint withdrawal device from the withdrawal devices according to the joint withdrawal information; the cash withdrawal authorization request is generated according to the cash withdrawal request of the customer to obtain authorization success information and token information, cash is dispensed according to the authorization success information, the token information is displayed to the customer, so that the combined cash withdrawal device dispenses cash according to the token information input by the customer, a plurality of cash withdrawal devices of a network can be effectively combined to provide cash withdrawal service for the customer, and the transaction efficiency, the cash box balance utilization rate of the cash withdrawal device and the customer experience are improved.
In summary, the joint withdrawal method provided by the embodiment of the present invention is implemented by a single withdrawal device service as a multi-device joint assistance, and has the following beneficial effects:
1. the utilization rate of the balance of the cash box of the withdrawal equipment is improved, the cash withdrawal transaction support is met by combining a plurality of equipment cash boxes, the frequency of cash adding processing in operation can be reduced to a certain extent, and the effectiveness of external services is improved;
2. the operation of the customer at the withdrawing device is more friendly, the original process of refused transaction and repeated operation to other withdrawing devices is optimized into the process of automatically supporting the system in linkage and reducing the repeated operation of the customer, the cash withdrawing transaction can be completed more quickly, and the transaction efficiency is obviously improved.
Based on the same inventive concept, the embodiment of the invention also provides a joint money withdrawing device, and as the principle of solving the problems of the device is similar to that of a joint money withdrawing method, the implementation of the device can be referred to the implementation of the method, and repeated parts are not described again.
Fig. 5 is a block diagram of an apparatus for joint withdrawal according to an embodiment of the present invention. As shown in fig. 5, the joint withdrawal apparatus includes:
the joint withdrawal instruction module is used for receiving a customer withdrawal request and sending a joint withdrawal instruction to each withdrawal device according to the customer withdrawal request so as to enable each withdrawal device to return joint withdrawal information according to the joint withdrawal instruction;
the joint withdrawal equipment selection module is used for selecting joint withdrawal equipment from the withdrawal equipment according to the joint withdrawal information;
the withdrawal authorization request generation module is used for generating a withdrawal authorization request according to the withdrawal request of the customer and sending the withdrawal authorization request to the background system so that the background system returns authorization success information and token information according to the withdrawal authorization request;
and the cash dispensing and displaying module is used for dispensing cash according to the authorization success information and displaying token information to the customer so that the joint withdrawal equipment dispenses the cash according to the token information input by the customer.
In one embodiment, the joint withdrawal device selection module comprises:
the residual amount determining unit is used for determining the residual amount according to the withdrawal request of the client and the local amount;
the target withdrawing device selecting unit is used for selecting target withdrawing devices from the withdrawing devices according to the comparison result of the combined amount and the residual amount in the combined withdrawing information;
and the joint withdrawal equipment selection unit is used for selecting joint withdrawal equipment from the target withdrawal equipment according to the joint withdrawal information of the target withdrawal equipment.
In one embodiment, the joint withdrawal device selection unit includes:
the withdrawing device parameter subunit is used for determining each withdrawing device parameter according to the joint withdrawing information of each target withdrawing device and the corresponding preset weight;
and the joint withdrawal equipment selection subunit is used for selecting the target withdrawal equipment corresponding to the minimum value of the withdrawal equipment parameters as the joint withdrawal equipment.
In one embodiment, the withdrawal authorization request generation module is specifically configured to:
and generating a withdrawal authorization request comprising a local device identifier and a joint device identifier according to the withdrawal request of the client, and sending the withdrawal authorization request to a background system so that the background system deducts local amount corresponding to the local device identifier, freezes residual amount corresponding to the joint device identifier, and returns authorization success information and token information.
In summary, the joint withdrawal apparatus according to the embodiment of the present invention may select a joint withdrawal device from each withdrawal device according to each joint withdrawal information; the cash withdrawal authorization request is generated according to the cash withdrawal request of the customer to obtain authorization success information and token information, cash is dispensed according to the authorization success information, the token information is displayed to the customer, so that the combined cash withdrawal device dispenses cash according to the token information input by the customer, a plurality of cash withdrawal devices of a network can be effectively combined to provide cash withdrawal service for the customer, and the transaction efficiency, the cash box balance utilization rate of the cash withdrawal device and the customer experience are improved.
The embodiment of the invention also provides a specific implementation mode of computer equipment capable of realizing all the steps in the joint withdrawal method in the embodiment. Fig. 6 is a block diagram of a computer device in an embodiment of the present invention, and referring to fig. 6, the computer device specifically includes the following:
a processor (processor)601 and a memory (memory) 602.
The processor 601 is configured to call a computer program in the memory 602, and the processor executes the computer program to implement all the steps in the joint withdrawal method in the above embodiments, for example, the processor executes the computer program to implement the following steps:
receiving a customer withdrawal request, and sending an associated withdrawal instruction to each withdrawal device according to the customer withdrawal request so that each withdrawal device returns associated withdrawal information according to the associated withdrawal instruction;
selecting the joint withdrawal equipment from the withdrawal equipment according to the joint withdrawal information;
generating a withdrawal authorization request according to the withdrawal request of the customer, and sending the withdrawal authorization request to the background system so that the background system returns authorization success information and token information according to the withdrawal authorization request;
and displaying the token information to the customer according to the successful authorization information to enable the joint withdrawal equipment to discharge the money according to the token information input by the customer.
To sum up, the computer device of the embodiment of the present invention may select an associated withdrawal device from the withdrawal devices according to the associated withdrawal information; the cash withdrawal authorization request is generated according to the cash withdrawal request of the customer to obtain authorization success information and token information, cash is dispensed according to the authorization success information, the token information is displayed to the customer, so that the combined cash withdrawal device dispenses cash according to the token information input by the customer, a plurality of cash withdrawal devices of a network can be effectively combined to provide cash withdrawal service for the customer, and the transaction efficiency, the cash box balance utilization rate of the cash withdrawal device and the customer experience are improved.
An embodiment of the present invention further provides a computer-readable storage medium capable of implementing all the steps in the joint withdrawal method in the foregoing embodiment, where the computer-readable storage medium stores a computer program, and the computer program, when executed by a processor, implements all the steps in the joint withdrawal method in the foregoing embodiment, for example, when the processor executes the computer program, the processor implements the following steps:
receiving a customer withdrawal request, and sending an associated withdrawal instruction to each withdrawal device according to the customer withdrawal request so that each withdrawal device returns associated withdrawal information according to the associated withdrawal instruction;
selecting the joint withdrawal equipment from the withdrawal equipment according to the joint withdrawal information;
generating a withdrawal authorization request according to the withdrawal request of the customer, and sending the withdrawal authorization request to the background system so that the background system returns authorization success information and token information according to the withdrawal authorization request;
and displaying the token information to the customer according to the successful authorization information to enable the joint withdrawal equipment to discharge the money according to the token information input by the customer.
To sum up, the computer-readable storage medium of the embodiment of the present invention may select an associated withdrawal device from the withdrawal devices according to the associated withdrawal information; the cash withdrawal authorization request is generated according to the cash withdrawal request of the customer to obtain authorization success information and token information, cash is dispensed according to the authorization success information, the token information is displayed to the customer, so that the combined cash withdrawal device dispenses cash according to the token information input by the customer, a plurality of cash withdrawal devices of a network can be effectively combined to provide cash withdrawal service for the customer, and the transaction efficiency, the cash box balance utilization rate of the cash withdrawal device and the customer experience are improved.
Based on the same inventive concept, the embodiment of the invention also provides a joint money taking system. Fig. 7 is a schematic structural diagram of an associated withdrawal system according to an embodiment of the present invention. As shown in fig. 7, the joint withdrawal system includes:
the joint withdrawal apparatus 1 as described above;
the plurality of withdrawing devices 2 are used for returning the joint withdrawing information according to the joint withdrawing instruction and outputting money according to the token information input by the customer;
and the background system 3 is respectively connected with the joint withdrawal device 1 and the plurality of withdrawal devices 2 through the router 4 and is used for returning authorization success information and token information according to the withdrawal authorization request.
The specific flow of the joint withdrawal system of the embodiment of the invention is as follows:
1. and the joint withdrawal device receives the customer withdrawal request and sends a joint withdrawal instruction to each withdrawal device according to the customer withdrawal request.
2. And each withdrawing device returns the joint withdrawing information according to the joint withdrawing instruction.
3. And the joint withdrawal device selects the joint withdrawal equipment from the withdrawal equipment according to the joint withdrawal information.
4. The joint withdrawal device collects the characteristic information of the customer, including the Bluetooth module identification code of the customer mobile terminal and the biological characteristics (such as face characteristics, iris characteristics and fingerprint characteristics) of the customer, and synchronizes the characteristic information of the customer to the joint withdrawal device.
5. The joint withdrawal device generates a withdrawal authorization request comprising a local device identifier and a joint device identifier according to the withdrawal request of the client, and sends the withdrawal authorization request to the background system.
6. And the background system deducts local amount corresponding to the local equipment identifier, freezes residual amount corresponding to the joint equipment identifier, and returns authorization success information, token information and token valid time.
7. And the joint withdrawal device displays the token valid time, the serial number and the position information of the joint withdrawal device to the customer, synchronously sends the token valid time to the joint withdrawal device and informs the joint withdrawal device of starting.
8. The joint withdrawal device continuously detects whether a customer approaches or arrives through the Bluetooth module identification code. And if the customer corresponding to the Bluetooth module identification code arrives, displaying the joint withdrawal page. The joint withdrawal page comprises a token input page, a reserved mobile phone number input page, a certificate number input page and a user-defined joint withdrawal code input page, and biological characteristics of the customer are collected at the same time. And when the collected biological characteristics of the customer are consistent with those from the local withdrawal equipment, sending an authorization request comprising the joint equipment identification, the token information input by the customer, the mobile phone number, the certificate number and the customized joint withdrawal code to the background system.
9. And the background system matches and compares the mobile phone number, the certificate number and the self-defined joint withdrawal code from the joint withdrawal equipment with the information pre-reserved in the bank by the customer. When the matching is consistent and the token valid time is within, unfreezing and deducting the residual amount corresponding to the combined equipment identification and the token information, and returning the residual amount authorization success information to the combined money drawing equipment
10. And the joint withdrawal equipment discharges money and prints a voucher according to the information of the successful authorization of the residual amount.
11. And when the joint withdrawal device does not receive the information of successful residual amount authorization within the token valid time, exiting the joint withdrawal process and initiating a notice of frozen amount unfreezing to the background system.
12. And the background system carries out unfreezing treatment on the corresponding residual amount according to the combined equipment identification in the frozen amount unfreezing notice, and restores the available balance of the client.
To sum up, the joint withdrawal system of the embodiment of the invention can select joint withdrawal equipment from the withdrawal equipment according to the joint withdrawal information; the cash withdrawal authorization request is generated according to the cash withdrawal request of the customer to obtain authorization success information and token information, cash is dispensed according to the authorization success information, the token information is displayed to the customer, so that the combined cash withdrawal device dispenses cash according to the token information input by the customer, a plurality of cash withdrawal devices of a network can be effectively combined to provide cash withdrawal service for the customer, and the transaction efficiency, the cash box balance utilization rate of the cash withdrawal device and the customer experience are improved.
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.
Those of skill in the art will further appreciate that the various illustrative logical blocks, units, and steps described in connection with the embodiments disclosed herein may be implemented as electronic hardware, computer software, or combinations of both. To clearly illustrate the interchangeability of hardware and software, various illustrative components, elements, and steps have been described above generally in terms of their functionality. Whether such functionality is implemented as hardware or software depends upon the particular application and design requirements of the overall system. Skilled artisans may implement the described functionality in varying ways for each particular application, but such implementation decisions should not be interpreted as causing a departure from the scope of the present embodiments.
The various illustrative logical blocks, or elements, or devices described in connection with the embodiments disclosed herein may be implemented or performed with a general purpose processor, a digital signal processor, an Application Specific Integrated Circuit (ASIC), a field programmable gate array or other programmable logic device, discrete gate or transistor logic, discrete hardware components, or any combination thereof designed to perform the functions described herein. A general-purpose processor may be a microprocessor, but in the alternative, the processor may be any conventional processor, controller, microcontroller, or state machine. A processor may also be implemented as a combination of computing devices, e.g., a digital signal processor and a microprocessor, a plurality of microprocessors, one or more microprocessors in conjunction with a digital signal processor core, or any other similar configuration.
The steps of a method or algorithm described in connection with the embodiments disclosed herein may be embodied directly in hardware, in a software module executed by a processor, or in a combination of the two. A software module may be stored in RAM memory, flash memory, ROM memory, EPROM memory, EEPROM memory, registers, hard disk, a removable disk, a CD-ROM, or any other form of storage medium known in the art. For example, a storage medium may be coupled to the processor such the processor can read information from, and write information to, the storage medium. In the alternative, the storage medium may be integral to the processor. The processor and the storage medium may reside in an ASIC, which may be located in a user terminal. In the alternative, the processor and the storage medium may reside in different components in a user terminal.
In one or more exemplary designs, the functions described above in connection with the embodiments of the invention may be implemented in hardware, software, firmware, or any combination of the three. If implemented in software, the functions may be stored on or transmitted over as one or more instructions or code on a computer-readable medium. Computer-readable media includes both computer storage media and communication media that facilitate transfer of a computer program from one place to another. Storage media may be any available media that can be accessed by a general purpose or special purpose computer. For example, such computer-readable media can include, but is not limited to, RAM, ROM, EEPROM, CD-ROM or other optical disk storage, magnetic disk storage or other magnetic storage devices, or any other medium which can be used to carry or store program code in the form of instructions or data structures and which can be read by a general-purpose or special-purpose computer, or a general-purpose or special-purpose processor. Additionally, any connection is properly termed a computer-readable medium, and, thus, is included if the software is transmitted from a website, server, or other remote source via a coaxial cable, fiber optic cable, twisted pair, Digital Subscriber Line (DSL), or wirelessly, e.g., infrared, radio, and microwave. Such discs (disk) and disks (disc) include compact disks, laser disks, optical disks, DVDs, floppy disks and blu-ray disks where disks usually reproduce data magnetically, while disks usually reproduce data optically with lasers. Combinations of the above may also be included in the computer-readable medium.
Claims (11)
1. A joint fund collection method, comprising:
receiving a customer withdrawal request, and sending an associated withdrawal instruction to each withdrawal device according to the customer withdrawal request so that each withdrawal device returns associated withdrawal information according to the associated withdrawal instruction;
selecting the joint withdrawal equipment from the withdrawal equipment according to the joint withdrawal information;
generating a withdrawal authorization request according to the customer withdrawal request, and sending the withdrawal authorization request to a background system so that the background system returns authorization success information and token information according to the withdrawal authorization request;
and displaying the token information to a customer according to the cash dispensing of the authorization success information so that the joint withdrawal equipment dispenses the cash according to the token information input by the customer.
2. The method of claim 1, wherein selecting an associated withdrawal device from among the withdrawal devices based on the associated withdrawal information comprises:
determining a residual amount according to the customer withdrawal request and the local amount;
selecting target withdrawing equipment from the withdrawing equipment according to a comparison result of the combined amount and the residual amount in the combined withdrawing information;
and selecting the joint withdrawal equipment from the target withdrawal equipment according to the joint withdrawal information of the target withdrawal equipment.
3. The method of claim 2, wherein selecting the joint withdrawal device from the target withdrawal devices based on the joint withdrawal information for the target withdrawal devices comprises:
determining parameters of each withdrawing device according to the joint withdrawing information of each target withdrawing device and the corresponding preset weight;
and selecting the target withdrawing device corresponding to the minimum value of each withdrawing device parameter as the joint withdrawing device.
4. The joint withdrawal method of claim 1, wherein generating a withdrawal authorization request based on the customer withdrawal request, and sending the withdrawal authorization request to a backend system to cause the backend system to return authorization success information and token information based on the withdrawal authorization request comprises:
and generating a withdrawal authorization request comprising a local equipment identifier and a joint equipment identifier according to the customer withdrawal request, and sending the withdrawal authorization request to a background system so that the background system deducts local amount corresponding to the local equipment identifier, freezes residual amount corresponding to the joint equipment identifier, and returns authorization success information and token information.
5. A joint withdrawal apparatus, comprising:
the joint withdrawal instruction module is used for receiving a customer withdrawal request, and sending a joint withdrawal instruction to each withdrawal device according to the customer withdrawal request so as to enable each withdrawal device to return joint withdrawal information according to the joint withdrawal instruction;
the joint withdrawal equipment selection module is used for selecting joint withdrawal equipment from the withdrawal equipment according to the joint withdrawal information;
the withdrawal authorization request generation module is used for generating a withdrawal authorization request according to the customer withdrawal request and sending the withdrawal authorization request to a background system so that the background system returns authorization success information and token information according to the withdrawal authorization request;
and the cash dispensing and displaying module is used for dispensing cash according to the authorization success information and displaying the token information to a customer so that the joint withdrawal equipment dispenses cash according to the token information input by the customer.
6. The apparatus of claim 5, wherein the apparatus for joint withdrawal selection comprises:
a residual amount determining unit, configured to determine a residual amount according to the customer withdrawal request and a local amount;
the target withdrawing device selecting unit is used for selecting target withdrawing devices from the withdrawing devices according to the comparison result of the combined amount and the residual amount in the combined withdrawing information;
and the joint withdrawal equipment selection unit is used for selecting joint withdrawal equipment from the target withdrawal equipment according to the joint withdrawal information of the target withdrawal equipment.
7. The apparatus according to claim 6, wherein the apparatus for selecting an associated drawing device includes:
the withdrawing device parameter subunit is used for determining each withdrawing device parameter according to the joint withdrawing information of each target withdrawing device and the corresponding preset weight;
and the joint withdrawal equipment selection subunit is used for selecting the target withdrawal equipment corresponding to the minimum value of the withdrawal equipment parameters as the joint withdrawal equipment.
8. The device of claim 5, wherein the withdrawal authorization request generation module is specifically configured to:
and generating a withdrawal authorization request comprising a local equipment identifier and a joint equipment identifier according to the customer withdrawal request, and sending the withdrawal authorization request to a background system so that the background system deducts local amount corresponding to the local equipment identifier, freezes residual amount corresponding to the joint equipment identifier, and returns authorization success information and token information.
9. A computer device comprising a memory, a processor and a computer program stored on the memory and running on the processor, wherein the steps of the joint withdrawal method of any of claims 1 to 4 are implemented when the computer program is executed by the processor.
10. 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 joint withdrawal method of any one of claims 1 to 4.
11. A joint withdrawal system, comprising:
an apparatus for joint withdrawal as claimed in any one of claims 6 to 8;
the plurality of withdrawing devices are used for returning the joint withdrawing information according to the joint withdrawing instruction and outputting money according to the token information input by the customer;
and the background system is used for returning authorization success information and token information according to the withdrawal authorization request.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN202110422924.0A CN113052680A (en) | 2021-04-20 | 2021-04-20 | Combined withdrawal method, device and system |
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN202110422924.0A CN113052680A (en) | 2021-04-20 | 2021-04-20 | Combined withdrawal method, device and system |
Publications (1)
| Publication Number | Publication Date |
|---|---|
| CN113052680A true CN113052680A (en) | 2021-06-29 |
Family
ID=76519731
Family Applications (1)
| Application Number | Title | Priority Date | Filing Date |
|---|---|---|---|
| CN202110422924.0A Pending CN113052680A (en) | 2021-04-20 | 2021-04-20 | Combined withdrawal method, device and system |
Country Status (1)
| Country | Link |
|---|---|
| CN (1) | CN113052680A (en) |
Cited By (1)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN114170743A (en) * | 2021-12-21 | 2022-03-11 | 中国工商银行股份有限公司 | Banknote distribution method, device and storage medium |
Citations (6)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN104269000A (en) * | 2014-10-21 | 2015-01-07 | 中国建设银行股份有限公司 | Medium-free cash business processing method and system |
| CN105160577A (en) * | 2015-09-28 | 2015-12-16 | 深圳怡化电脑股份有限公司 | Method and system for realizing fixed-point transaction reservation of financial self-service equipment |
| CN105844783A (en) * | 2016-03-17 | 2016-08-10 | 深圳怡化电脑股份有限公司 | Depositing and withdrawing method and system thereof |
| CN106855977A (en) * | 2016-11-29 | 2017-06-16 | 中国银联股份有限公司 | A kind of ATM withdrawals method, ATM terminals, bank backstage and mobile terminal |
| CN110443961A (en) * | 2019-09-19 | 2019-11-12 | 中国银行股份有限公司 | ATM machine localization method and device |
| CN111127778A (en) * | 2019-12-31 | 2020-05-08 | 中国银行股份有限公司 | Bank self-service terminal recommendation method and device |
-
2021
- 2021-04-20 CN CN202110422924.0A patent/CN113052680A/en active Pending
Patent Citations (6)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN104269000A (en) * | 2014-10-21 | 2015-01-07 | 中国建设银行股份有限公司 | Medium-free cash business processing method and system |
| CN105160577A (en) * | 2015-09-28 | 2015-12-16 | 深圳怡化电脑股份有限公司 | Method and system for realizing fixed-point transaction reservation of financial self-service equipment |
| CN105844783A (en) * | 2016-03-17 | 2016-08-10 | 深圳怡化电脑股份有限公司 | Depositing and withdrawing method and system thereof |
| CN106855977A (en) * | 2016-11-29 | 2017-06-16 | 中国银联股份有限公司 | A kind of ATM withdrawals method, ATM terminals, bank backstage and mobile terminal |
| CN110443961A (en) * | 2019-09-19 | 2019-11-12 | 中国银行股份有限公司 | ATM machine localization method and device |
| CN111127778A (en) * | 2019-12-31 | 2020-05-08 | 中国银行股份有限公司 | Bank self-service terminal recommendation method and device |
Cited By (1)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN114170743A (en) * | 2021-12-21 | 2022-03-11 | 中国工商银行股份有限公司 | Banknote distribution method, device and storage medium |
Similar Documents
| Publication | Publication Date | Title |
|---|---|---|
| US9558636B1 (en) | Automatic teller machine inventory and distribution system | |
| WO2013102210A1 (en) | A hosted thin-client interface in a payment authorization system | |
| CN105051766A (en) | Payments in communication systems | |
| CN110288766B (en) | Cash cash box counting system, method, management end and cash end | |
| US11900345B2 (en) | Financial terminal that automatically reconfigures into different financial processing terminal types | |
| US9367837B2 (en) | Cash and/or financial document handling system | |
| CN109409548A (en) | Foreign currency reserves enchashment method, client, server, the pre- Ark of the Covenant of foreign currency and system | |
| CN109272131A (en) | Foreign currency reserves enchashment method, client, server, the pre- Ark of the Covenant of foreign currency and system | |
| CN113052680A (en) | Combined withdrawal method, device and system | |
| CA3025541C (en) | Casino cash system, apparatus and method utilizing integrated circuit cards | |
| CN108734897B (en) | Withdrawal method, withdrawal auditing device, cash dispenser, server and medium | |
| CN113673874A (en) | Service processing method and device | |
| JP2017173987A (en) | Transaction reservation method, transaction reservation device, transaction reservation system, and program | |
| US11176527B2 (en) | Cross-network action approval | |
| CN110379093A (en) | A kind of automated teller system and method based on human identity information identification | |
| TWI649713B (en) | Cardless withdrawal system using mobile device and operation method thereof | |
| CN114358758A (en) | Recharging method for digital currency hardware wallet and related equipment | |
| JP2022173884A (en) | Touchless transaction method, touchless transaction system, transaction management device, and automatic transaction device | |
| CN113470279B (en) | Method, apparatus, electronic device, and medium for reservation and distribution of financial product | |
| JP6476344B2 (en) | Cash transaction system and cash transaction method | |
| US20220405731A1 (en) | System and method for authenticating a user of a banking device | |
| JP2015108945A (en) | Transaction device, transaction system, and transaction program | |
| RU2797458C1 (en) | Method and system of collection of self-service recycling machines | |
| KR20220155158A (en) | Rental management system for automated teller machine and method performing the same | |
| CN111918264B (en) | Service menu display method and device |
Legal Events
| Date | Code | Title | Description |
|---|---|---|---|
| PB01 | Publication | ||
| PB01 | Publication | ||
| SE01 | Entry into force of request for substantive examination | ||
| SE01 | Entry into force of request for substantive examination |