CN113409524A - ATM business processing method and device based on mobile banking - Google Patents
ATM business processing method and device based on mobile banking Download PDFInfo
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- 238000004590 computer program Methods 0.000 claims description 13
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- G—PHYSICS
- G07—CHECKING-DEVICES
- G07F—COIN-FREED OR LIKE APPARATUS
- G07F19/00—Complete banking systems; Coded card-freed arrangements adapted for dispensing or receiving monies or the like and posting such transactions to existing accounts, e.g. automatic teller machines
- G07F19/20—Automatic teller machines [ATMs]
- G07F19/202—Depositing operations within ATMs
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- G—PHYSICS
- G07—CHECKING-DEVICES
- G07F—COIN-FREED OR LIKE APPARATUS
- G07F19/00—Complete banking systems; Coded card-freed arrangements adapted for dispensing or receiving monies or the like and posting such transactions to existing accounts, e.g. automatic teller machines
- G07F19/20—Automatic teller machines [ATMs]
- G07F19/203—Dispensing operations within ATMs
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- G07F—COIN-FREED OR LIKE APPARATUS
- G07F19/00—Complete banking systems; Coded card-freed arrangements adapted for dispensing or receiving monies or the like and posting such transactions to existing accounts, e.g. automatic teller machines
- G07F19/20—Automatic teller machines [ATMs]
- G07F19/206—Software aspects at ATMs
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- H—ELECTRICITY
- H04—ELECTRIC COMMUNICATION TECHNIQUE
- H04L—TRANSMISSION OF DIGITAL INFORMATION, e.g. TELEGRAPHIC COMMUNICATION
- H04L67/00—Network arrangements or protocols for supporting network services or applications
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- H—ELECTRICITY
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- H04L67/00—Network arrangements or protocols for supporting network services or applications
- H04L67/50—Network services
- H04L67/51—Discovery or management thereof, e.g. service location protocol [SLP] or web services
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- H—ELECTRICITY
- H04—ELECTRIC COMMUNICATION TECHNIQUE
- H04L—TRANSMISSION OF DIGITAL INFORMATION, e.g. TELEGRAPHIC COMMUNICATION
- H04L67/00—Network arrangements or protocols for supporting network services or applications
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Abstract
The invention discloses an ATM business processing method and a device based on a mobile banking, relating to the technical field of mobile interconnection, wherein the method comprises the following steps: receiving an ATM service application request initiated by a first user through a mobile banking client, wherein the ATM service application request is used for requesting a second user to execute a target service on an ATM, and the second user is an incidence relation of the first user; when a second user executes a target service on the ATM, authenticating the identity information of the second user according to the incidence relation between the first user and the second user; and executing the target service on the ATM under the condition that the identity information of the second user is authenticated. The invention can enable the elder to remotely initiate the ATM service application request by the aid of the mobile banking client, so that the elder only needs to verify the identity information when performing the deposit and withdrawal service on the ATM, and the old is convenient to handle the deposit and withdrawal service on the ATM.
Description
Technical Field
The invention relates to the technical field of mobile internet, in particular to an ATM business processing method and device based on a mobile banking.
Background
This section is intended to provide a background or context to the embodiments of the invention that are recited in the claims. The description herein is not admitted to be prior art by inclusion in this section.
The ATM (automatic teller machine) is a small machine installed at different places by banks, and records the basic account data of users by using the magnetic tape on the bank card, so that the users can carry out bank counter services such as money drawing, deposit, transfer and the like through the ATM. The ATM greatly facilitates the deposit and withdrawal business of users.
However, the elderly often encounter the following problems when depositing and withdrawing money through the ATM: the ATM will not be operated; the bank card password cannot be remembered; the bank card password is wrongly recorded, and the bank card is swallowed due to multiple times of error transmission; the carried ID card and bank card are easy to lose.
Therefore, how to provide a simplified ATM service processing method to facilitate the old people to use the AMT to handle the deposit and withdrawal services is a technical problem to be solved at present.
Disclosure of Invention
The embodiment of the invention provides an ATM service processing method based on a mobile banking, which is used for solving the technical problem that the existing ATM is not suitable for old people to handle deposit and withdrawal services, and comprises the following steps: receiving an ATM service application request initiated by a first user through a mobile banking client, wherein the ATM service application request is used for requesting a second user to execute a target service on an ATM, and the second user is an incidence relation of the first user; when a second user executes a target service on the ATM, authenticating the identity information of the second user according to the incidence relation between the first user and the second user; and executing the target service on the ATM under the condition that the identity information of the second user is authenticated.
The embodiment of the invention also provides an ATM business processing device based on mobile banking, which is used for solving the technical problem that the existing ATM is not suitable for the old people to handle the deposit and withdrawal business, and comprises: the ATM service application module is used for receiving an ATM service application request initiated by a first user through a mobile banking client, wherein the ATM service application request is used for requesting a second user to execute a target service on an ATM, and the second user is the incidence relation of the first user; the user identity verification module is used for authenticating the identity information of the second user according to the incidence relation between the first user and the second user when the second user executes the target service on the ATM; and the ATM service execution module is used for executing the target service on the ATM under the condition that the identity information of the second user passes the authentication.
The embodiment of the invention also provides computer equipment for solving the technical problem that the existing ATM is not suitable for the old people to handle the deposit and withdrawal business.
The embodiment of the invention also provides a computer readable storage medium for solving the technical problem that the existing ATM is not suitable for the old people to handle the deposit and withdrawal business, and the computer readable storage medium stores a computer program for executing the ATM business processing method based on the mobile banking.
According to the ATM service processing method, the ATM service processing device, the computer equipment and the computer readable storage medium based on the mobile banking, a first user initiates an ATM service application request for requesting a second user to execute a target service on an ATM through a mobile banking client, when the second user executes the target service on the ATM, identity information of the second user is authenticated according to an association relation between the first user and the second user, and when the identity information of the second user passes the authentication, the target service is executed on the ATM.
Compared with the technical scheme that the bank card is used for handling the business on the ATM in the prior art, the ATM business processing method in the embodiment of the invention can enable the elder to remotely initiate the ATM business application request by means of the mobile banking client, so that the elder only needs to verify the identity information when the old carries out the deposit and withdrawal business on the ATM, and the old can conveniently handle the deposit and withdrawal business on the ATM.
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 flowchart of a method for processing ATM services based on mobile banking according to an embodiment of the present invention;
fig. 2 is a flowchart of an alternative ATM service processing method based on mobile banking according to an embodiment of the present invention;
fig. 3 is a flow chart of an alternative user authentication provided in the embodiment of the present invention;
FIG. 4 is a flow chart of an alternative ATM service implementation provided in an embodiment of the present invention;
fig. 5 is a schematic diagram of an ATM service processing apparatus based on mobile banking according to an embodiment of the present invention;
fig. 6 is a schematic diagram of an alternative ATM service processing apparatus based on mobile banking according to an embodiment of the present invention;
fig. 7 is a schematic diagram of an alternative user authentication module provided in an embodiment of the present invention;
fig. 8 is a schematic diagram of an alternative ATM service execution module provided in an embodiment of the present invention;
fig. 9 is a schematic diagram of a computer device provided in an 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.
In order to solve the problems that the old people cannot operate the ATM when the ATM is used for handling the deposit and withdrawal business, the memory is poor, the certificate is easy to lose and the like, the embodiment of the invention provides the ATM business processing method based on the mobile banking, and the old people can be helped to complete the deposit and withdrawal business of the ATM anytime and anywhere by relatives of the old people.
Fig. 1 is a flowchart of an ATM service processing method based on mobile banking according to an embodiment of the present invention, and as shown in fig. 1, the method includes the following steps:
s101, receiving an ATM service application request initiated by a first user through a mobile banking client, wherein the ATM service application request is used for requesting a second user to execute a target service on an ATM, and the second user is an association relation of the first user.
It should be noted that, in the embodiment of the present invention, the second user may be a user who has difficulty in operating the ATM, such as an elderly person; the first user refers to a user which is associated with the second user in advance and can apply for the ATM service for the second user, for example, the elderly people and the like. The association relationship between the first user and the second user may be pre-configured.
Alternatively, the target service in the embodiment of the present invention may be any service that can be handled through an ATM, and may be, but is not limited to, a deposit service or a withdrawal service.
S102, when the second user executes the target service on the ATM, the identity information of the second user is authenticated according to the incidence relation between the first user and the second user.
Since the first user has previously applied for a second user to handle a certain service (for example, a withdrawal service) on the ATM, when the second user arrives at the ATM, the second user only needs to verify the identity information of the second user, and can handle the relevant service.
And S103, executing the target service on the ATM when the identity information of the second user passes the authentication.
It should be noted that, when the second user executes the target service on the ATM, only the authentication of the identity information of the second user is needed, and the authentication of the identity information of the second user can be implemented in a simple and easy-to-operate manner such as fingerprint and face recognition, so that the ATM service processing method based on the mobile banking provided in the embodiment of the present invention can simplify the operations that the second user needs to handle the service through the ATM, so that the old people and other users who have difficulty in handling the ATM can handle the related services through the ATM.
In order to facilitate the first user to know the progress of the second user in transacting the target service through the ATM in time, in an embodiment, as shown in fig. 2, after the target service is executed on the ATM, the ATM service processing method based on the mobile banking provided in the embodiment of the present invention may further include the following steps:
s201, acquiring an execution result of a target service;
s202, returning the execution result of the target service to the mobile banking client of the first user.
Since the face recognition only needs to collect the face image of the user handling the service before the ATM, in an embodiment, as shown in fig. 3, the ATM service processing method based on the mobile banking provided in the embodiment of the present invention may specifically implement the authentication of the identity information of the second user through the following steps:
s301, acquiring a face image of a second user;
s302, recognizing the face image of the second user, and verifying whether the second user is the user who requests to execute the target service on the ATM machine according to the ATM service application request.
Through the embodiment, the second user can transact the ATM service without any operation.
In an embodiment, when the ATM executes a target service, as shown in fig. 4, the ATM service processing method based on mobile banking provided in the embodiment of the present invention may be specifically implemented by the following steps:
s401, acquiring a service execution mode selected by a second user on the ATM, wherein the service execution mode comprises: direct handling and secondary confirmation handling;
s402, when the service execution mode selected by the second user on the ATM is direct handling, directly executing the target service on the ATM;
and S403, outputting the service information of the target service on the ATM when the service execution mode selected by the second user on the ATM is the secondary confirmation transaction, and executing the target service on the ATM when the service confirmation instruction sent by the second user is detected.
By the embodiment, the ATM service handling in two modes of direct handling and secondary confirmation handling can be realized, so that different requirements of different users can be met. By direct handling, the handling of ATM machine services can be completed quickly; through the secondary confirmation of the transaction, the second user can conveniently confirm the current ATM service to be transacted, and the safety of the transaction of the ATM is improved.
In this embodiment of the present invention, the association relationship between the first user and the second user may be an automatic association according to the user information of the first user and the second user, or an association relationship configured manually, and in an embodiment, the ATM service processing method based on the mobile banking provided in this embodiment of the present invention may further include the following steps: acquiring user information of a first user and a second user; and configuring the association relationship between the first user and the second user according to the user information of the first user and the second user.
The ATM service processing method based on the mobile banking provided by the embodiment of the invention is applied to the old people for handling the withdrawal service through the ATM, and specifically comprises the following steps:
the method includes the steps that firstly, the old and the family need to be bound with the relationship on line, the family of the old is in the APP of the mobile phone bank of the old and the family of the old, authentication data such as an identity card, a household account book and a video of a committed relationship required by the binding of the relationship are submitted in a relationship binding module, and the binding of the relationship is successful after the bank authentication is passed.
Secondly, after the family relation is successfully bound, the family members of the old can open the permission of withdrawing the ATM machine for the bound family members in the mobile phone bank APP, select the service handling mode (including direct handling and secondary confirmation handling), and set the permission of pushing the service handling progress message.
And thirdly, when the old people need to withdraw money, the relatives submit the money withdrawing applications of the old relatives in the mobile phone bank in advance, wherein the money withdrawing applications comprise the money withdrawers, money deducting cards, money deducting amount, money withdrawing passwords and the like.
If the business handling mode selected by the family members is direct handling, the old people can directly brush the face of the ATM without carrying certificates such as identity cards, bank cards and the like when withdrawing money, and after the identity authentication is finished, the bank directly executes the withdrawing operation according to the withdrawing application under the name of the client.
And fifthly, if the business transaction mode selected by the family is secondary confirmation transaction, the old people can directly brush the face of the ATM when withdrawing money, after the identity authentication is completed, the bank pushes the contents such as real-time photos of the money-withdrawing people, money-withdrawing information and the like to the relatives of the old people through messages, and after the relatives of the old people confirm that the contents are correct, the ATM performs the identity authentication again and then executes the money-withdrawing operation.
And if the family members have opened service transaction progress message pushing permission, informing the family members of the old people in a mobile banking APP message pushing mode after the old people finish withdrawing money, wherein the family members comprise head portraits of the old people, money withdrawing time, money withdrawing amount and the like.
Therefore, the ATM service processing method based on the mobile banking provided by the embodiment of the invention can realize the purpose that the user swipes the face on the ATM to handle the service by handling the ATM withdrawing service by the mobile banking client.
Based on the same inventive concept, the embodiment of the present invention further provides an ATM service processing apparatus based on mobile banking, as described in the following embodiments. Because the principle of the device for solving the problems is similar to the ATM business processing method based on the mobile banking, the implementation of the device can refer to the implementation of the ATM business processing method based on the mobile banking, and repeated parts are not described again.
Fig. 5 is a schematic diagram of an ATM transaction processing apparatus based on mobile banking according to an embodiment of the present invention, and as shown in fig. 5, the apparatus may include: an ATM service application module 51, a user authentication module 52 and an ATM service execution module 53.
The ATM service application module 51 is configured to receive an ATM service application request initiated by a first user through a mobile banking client, where the ATM service application request is used to request a second user to execute a target service on an ATM machine, and the second user is an association relationship of the first user; the user identity verification module 52 is configured to authenticate identity information of the second user according to an association relationship between the first user and the second user when the second user executes a target service on the ATM; and the ATM service execution module 53 is configured to execute the target service on the ATM machine in a case where the identity information of the second user is authenticated.
In one embodiment, as shown in fig. 6, the ATM service processing apparatus based on mobile banking according to an embodiment of the present invention further includes:
a service execution result notification module 54, configured to obtain an execution result of the target service; and returning the execution result of the target service to the mobile banking client of the first user.
Further, in an embodiment, as shown in fig. 6, the ATM service processing apparatus based on mobile banking provided in the embodiment of the present invention further includes:
a user association relationship configuration module 55, configured to obtain user information of the first user and the second user; and configuring the association relationship between the first user and the second user according to the user information of the first user and the second user.
In one embodiment, as shown in fig. 7, in the ATM service processing apparatus based on mobile banking provided in the embodiment of the present invention, the user identity verification module 52 includes:
an image acquisition unit 521, configured to acquire a face image of a second user;
and an image recognition unit 522, configured to recognize a face image of the second user, and verify whether the second user is a user who requests to execute the target service on the ATM machine according to the ATM service application request.
In an embodiment, as shown in fig. 8, in the ATM service processing apparatus based on mobile banking provided in the embodiment of the present invention, the ATM service execution module 53 includes:
a service execution mode selecting unit 531, configured to obtain a service execution mode selected by a second user on an ATM, where the service execution mode includes: direct handling and secondary confirmation handling;
a first service execution unit 532, configured to directly execute the target service on the ATM when the service execution mode selected by the second user on the ATM is direct handling;
the second service execution unit 533 is configured to, when the service execution mode selected by the second user on the ATM is the secondary confirmation transaction, output the service information of the target service on the ATM, and, when a service confirmation instruction sent by the second user is detected, execute the target service on the ATM.
Based on the same inventive concept, an embodiment of the present invention further provides a computer device, so as to solve the technical problem that the existing ATM is not suitable for the elderly to handle the depositing and withdrawing services, fig. 9 is a schematic diagram of the computer device provided in the embodiment of the present invention, as shown in fig. 9, the computer device 90 includes a memory 901, a processor 902, and a computer program stored in the memory 901 and capable of being run on the processor 902, and when the processor 902 executes the computer program, the ATM service processing method based on the mobile banking described above is implemented.
Based on the same inventive concept, the embodiment of the invention also provides a computer readable storage medium, which is used for solving the technical problem that the existing ATM is not suitable for the old people to handle the deposit and withdrawal business.
In summary, according to the ATM service processing method, apparatus, computer device and computer readable storage medium based on mobile banking provided in the embodiments of the present invention, a first user initiates an ATM service application request requesting a second user to execute a target service on an ATM through a mobile banking client, when the second user executes the target service on the ATM, the identity information of the second user is authenticated according to an association relationship between the first user and the second user, and when the identity information of the second user passes the authentication, the target service is executed on the ATM.
Compared with the technical scheme that the bank card is used for handling the business on the ATM in the prior art, the ATM business processing method in the embodiment of the invention can enable the elder to remotely initiate the ATM business application request by means of the mobile banking client, so that the elder only needs to verify the identity information when the old carries out the deposit and withdrawal business on the ATM, and the old can conveniently handle the deposit and withdrawal business on the ATM.
As will be appreciated by one skilled in the art, embodiments of the present invention may be provided as a method, system, or computer program product. Accordingly, the present invention may take the form of an entirely hardware embodiment, an entirely software embodiment or an embodiment combining software and hardware aspects. Furthermore, the present invention may take the form of a computer program product embodied on one or more computer-usable storage media (including, but not limited to, disk storage, CD-ROM, optical storage, and the like) having computer-usable program code embodied therein.
The present invention is described with reference to flowchart illustrations and/or block diagrams of methods, apparatus (systems), and computer program products according to embodiments of the invention. It will be understood that each flow and/or block of the flow diagrams and/or block diagrams, and combinations of flows and/or blocks in the flow diagrams and/or block diagrams, can be implemented by computer program instructions. These computer program instructions may be provided to a processor of a general purpose computer, special purpose computer, embedded processor, or other programmable data processing apparatus to produce a machine, such that the instructions, which execute via the processor of the computer or other programmable data processing apparatus, create means for implementing the functions specified in the flowchart flow or flows and/or block diagram block or blocks.
These computer program instructions may also be stored in a computer-readable memory that can direct a computer or other programmable data processing apparatus to function in a particular manner, such that the instructions stored in the computer-readable memory produce an article of manufacture including instruction means which implement the function specified in the flowchart flow or flows and/or block diagram block or blocks.
These computer program instructions may also be loaded onto a computer or other programmable data processing apparatus to cause a series of operational steps to be performed on the computer or other programmable apparatus to produce a computer implemented process such that the instructions which execute on the computer or other programmable apparatus provide steps for implementing the functions specified in the flowchart flow or flows and/or block diagram block or blocks.
The 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 (12)
1. An ATM business processing method based on mobile banking is characterized by comprising the following steps:
receiving an ATM service application request initiated by a first user through a mobile banking client, wherein the ATM service application request is used for requesting a second user to execute a target service on an ATM, and the second user is an incidence relation of the first user;
when a second user executes the target service on the ATM, authenticating the identity information of the second user according to the incidence relation between the first user and the second user;
and executing the target service on the ATM under the condition that the identity information of the second user is authenticated.
2. The method of claim 1, wherein authenticating the identity information of the second user according to the association relationship between the first user and the second user comprises:
acquiring a face image of the second user;
and identifying the face image of the second user, and verifying whether the second user is the user who requests to execute the target service on the ATM machine according to the ATM service application request.
3. The method of claim 1, wherein after the target service is executed on the ATM machine, the method further comprises:
acquiring an execution result of the target service;
and returning the execution result of the target service to the mobile banking client of the first user.
4. The method of claim 1, wherein executing the target service on an ATM machine comprises:
acquiring a service execution mode selected by a second user on an ATM, wherein the service execution mode comprises the following steps: direct handling and secondary confirmation handling;
when the service execution mode selected by the second user on the ATM is direct handling, the target service is directly executed on the ATM;
and when the service execution mode selected by the second user on the ATM is secondary confirmation handling, outputting the service information of the target service on the ATM, and executing the target service on the ATM under the condition of detecting a service confirmation instruction sent by the second user.
5. The method of claim 1, wherein the method comprises:
acquiring user information of a first user and a second user;
and configuring the association relationship between the first user and the second user according to the user information of the first user and the second user.
6. An ATM business processing device based on mobile banking is characterized by comprising:
the system comprises an ATM service application module, a first service application module and a second service application module, wherein the ATM service application module is used for receiving an ATM service application request initiated by a first user through a mobile banking client, the ATM service application request is used for requesting a second user to execute a target service on an ATM, and the second user is the incidence relation of the first user;
the user identity verification module is used for authenticating the identity information of a second user according to the incidence relation between the first user and the second user when the second user executes the target service on the ATM;
and the ATM service execution module is used for executing the target service on the ATM under the condition that the identity information of the second user passes the authentication.
7. The apparatus of claim 6, wherein the user authentication module comprises:
the image acquisition unit is used for acquiring a face image of the second user;
and the image recognition unit is used for recognizing the face image of the second user and verifying whether the second user is the user who requests to execute the target service on the ATM machine according to the ATM service application request.
8. The apparatus of claim 6, wherein the apparatus further comprises:
a service execution result notification module, configured to obtain an execution result of the target service; and returning the execution result of the target service to the mobile banking client of the first user.
9. The apparatus of claim 6, wherein the ATM traffic enforcement module comprises:
a service execution mode selection unit, configured to acquire a service execution mode selected by a second user on an ATM, where the service execution mode includes: direct handling and secondary confirmation handling;
the first service execution unit is used for directly executing the target service on the ATM when the service execution mode selected by the second user on the ATM is direct handling;
and the second service execution unit is used for outputting the service information of the target service on the ATM when the service execution mode selected by the second user on the ATM is the secondary confirmation transaction, and executing the target service on the ATM when the service confirmation instruction sent by the second user is detected.
10. The apparatus of claim 6, wherein the apparatus comprises:
the user association relation configuration module is used for acquiring user information of a first user and a second user; and configuring the association relationship between the first user and the second user according to the user information of the first user and the second user.
11. A computer device comprising a memory, a processor and a computer program stored on the memory and executable on the processor, wherein the processor implements the method for processing ATM services based on mobile banking according to any one of claims 1 to 5 when executing the computer program.
12. A computer-readable storage medium storing a computer program for executing the mobile banking-based ATM transaction processing method according to any one of claims 1 to 5.
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| Publication number | Priority date | Publication date | Assignee | Title |
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| CN113705535A (en) * | 2021-09-18 | 2021-11-26 | 中国银行股份有限公司 | ATM transaction method for helping old people, related device and storage medium |
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