CN113808340A

CN113808340A - Withdrawal method and apparatus, storage medium, and electronic device

Info

Publication number: CN113808340A
Application number: CN202111096899.8A
Authority: CN
Inventors: 高坡
Original assignee: Bank of China Ltd
Current assignee: Bank of China Ltd
Priority date: 2021-09-18
Filing date: 2021-09-18
Publication date: 2021-12-17

Abstract

The invention discloses a withdrawal method and a withdrawal device, a storage medium and electronic equipment, which can be applied to the financial field or other fields, wherein the method comprises the following steps: when receiving a withdrawal instruction sent by a customer, determining whether the type of the banknotes selected by the customer is new banknotes; if yes, determining each first target money box in each money box; determining the sum of the money of the rest banknotes in each first target banknote box; determining the withdrawal amount of a customer, and determining at least one second target money box in each first target money box when the sum of the amounts is greater than or equal to the withdrawal amount; and deducting the withdrawal amount from the financial account of the customer, generating a cash-out instruction for each second target cash box, and sending each cash-out instruction to the corresponding second target cash box so as to control each second target cash box to execute cash-out operation. The customer can take the new money by self through the invention without queuing to a bank counter, thereby reducing the time for taking the new money and improving the efficiency for taking the new money.

Description

Withdrawal method and apparatus, storage medium, and electronic device

Technical Field

The present invention relates to the field of financial technologies, and in particular, to a withdrawal method and apparatus, a storage medium, and an electronic device.

Background

The new bank note can be the bank note which is printed out just now or the bank note with little abrasion degree. The paper money can have wearing and tearing when the market circulation, and when the circulation time of bank note had prolonged, the degree of wearing and tearing can deepen, and new paper money can become old paper money.

In daily life, people usually exchange new bank notes manually at a bank counter of a bank business outlet, and customers need to queue for the new bank notes when going to the bank counter to exchange the new bank notes, so that the customers need to spend longer time in the process of taking the new bank notes, and the experience of the customers is reduced.

Disclosure of Invention

In view of the above, the invention provides a withdrawal method and device, a storage medium and an electronic device, by which new banknotes can be taken by self, customers do not need to queue to a bank counter to take new banknotes, time spent by the customers for taking new banknotes is reduced, and customer experience is improved.

In order to achieve the above purpose, the embodiments of the present invention provide the following technical solutions:

the first method of the present application discloses a withdrawal method, comprising:

when a withdrawal instruction sent by a customer is received, determining whether the type of the bank note selected by the customer is a new bank note, wherein the new bank note is a bank note with the abrasion degree smaller than a preset abrasion threshold value;

if the banknote type selected by the customer is determined to be a new banknote, determining each first target banknote box in each preset banknote box, wherein the first target banknote box is a banknote box for storing new banknotes; determining the sum of the money amount of the remaining banknotes in each first target banknote box;

determining the withdrawal amount of the customer, and determining at least one second target cash box in each first target cash box when the sum of the amounts is larger than or equal to the withdrawal amount;

and deducting the withdrawal amount from the financial account of the customer, generating a cash-out instruction for each second target cash box, and sending each cash-out instruction to the corresponding second target cash box so as to control each second target cash box to execute cash-out operation.

The method described above, optionally, the determining whether the banknote type selected by the customer is a new banknote includes:

displaying a preset withdrawal operation page to the customer, wherein the withdrawal operation page comprises a banknote type selection window;

and acquiring the banknote type selection information input by the customer based on the banknote type selection window, analyzing the banknote type selection information, and determining that the banknote type selected by the customer is the new banknote when the banknote type selection information contains a new banknote identifier.

In the above method, optionally, the determining at least one second target banknote cassette in each first target banknote cassette includes:

determining the remaining amount in each of the first target cassettes;

and determining at least one second target money box in each first target money box based on each remaining amount, withdrawal amount and a preset preferred money-discharging rule, and distributing money-discharging amount to each second target money box.

Optionally, the method for generating a banknote discharging instruction for each second target banknote box includes:

and generating a cash-out instruction of each second target cash box based on the cash-out amount of each second target cash box.

Optionally, the method further includes, before determining each first target banknote box in each preset banknote box:

acquiring customer information of the customer;

judging whether the client is a reservation client or not based on the client information;

and if the customer is determined to be the reservation customer, executing the operation of determining each first target money box in each preset money box.

The method optionally further includes, before receiving a withdrawal instruction sent by a customer:

acquiring a deposit instruction sent by a client, and prompting the client to put each deposited bank note into an opened money saving port;

identifying each banknote in the money saving port, determining the banknotes meeting preset storage rules as qualified banknotes, and storing each qualified banknote;

determining a deposit amount based on each of the qualified bills, and adding the deposit amount to the financial account number of the customer.

The above method, optionally, the storing each qualified banknote includes:

for each qualified banknote, determining the abrasion degree of the qualified banknote, and determining whether the abrasion degree is smaller than a preset abrasion threshold value;

if the abrasion degree is smaller than a preset abrasion threshold value, determining that the qualified bank notes are new bank notes, and storing the qualified bank notes into a bank note box for storing the new bank notes;

and if the abrasion degree is not less than a preset abrasion threshold value, determining that the qualified bank notes are old bank notes, and storing the qualified bank notes into a bank note box for storing the old bank notes.

A second aspect of the present application discloses a withdrawal apparatus comprising:

the device comprises a first determining unit, a second determining unit and a third determining unit, wherein the first determining unit is used for determining whether the type of the banknote selected by a customer is a new banknote when a withdrawal instruction sent by the customer is received, and the new banknote is a banknote with the abrasion degree smaller than a preset abrasion threshold value;

the second determining unit is used for determining each first target banknote box in each preset banknote box if the banknote type selected by the customer is determined to be a new banknote, wherein the first target banknote box is a banknote box for storing new banknotes; determining the sum of the money amount of the remaining banknotes in each first target banknote box;

a third determining unit, configured to determine a withdrawal amount of the customer, and determine at least one second target banknote box in each of the first target banknote boxes when a sum of the amounts is greater than or equal to the withdrawal amount;

and the generating unit is used for deducting the withdrawal amount from the financial account of the customer, generating a money outputting instruction for each second target money box, and sending each money outputting instruction to the corresponding second target money box so as to control each second target money box to execute money outputting operation.

The above apparatus, optionally, the first determining unit includes:

the display subunit is used for displaying a preset withdrawal operation page to the customer, wherein the withdrawal operation page comprises a banknote type selection window;

and the acquisition subunit is used for acquiring the banknote type selection information input by the customer based on the banknote type selection window, analyzing the banknote type selection information, and determining that the banknote type selected by the customer is the new banknote when the banknote type selection information contains a new banknote identifier.

The above apparatus, optionally, the third determining unit includes:

a first determining subunit, configured to determine a remaining amount in each of the first target cassettes;

and the distributing subunit is used for determining at least one second target cash box in each first target cash box based on each residual amount, the withdrawal amount and a preset preferred cash-out rule, and distributing the cash-out amount to each second target cash box.

The above apparatus, optionally, the generating unit includes:

and the generation subunit is used for generating the banknote discharging instruction of each second target banknote box based on the banknote discharging amount of each second target banknote box.

Optionally, in the above apparatus, before the second determining unit determines each first target banknote box in each preset banknote box, the second determining unit is further configured to perform the following operations:

acquiring customer information of the customer;

The above apparatus, optionally, further comprises:

the acquisition unit is used for acquiring a deposit instruction sent by a client and prompting the client to put each deposited bank note into the opened money saving opening;

the identification unit is used for identifying each banknote in the money saving port, determining the banknote meeting the preset storage rule as a qualified banknote, and storing each qualified banknote;

and the adding unit is used for determining the deposit amount based on each qualified banknote and adding the deposit amount to the financial account of the client.

The above apparatus, optionally, the identification unit includes:

the second determining subunit is used for determining the abrasion degree of each qualified banknote and determining whether the abrasion degree is smaller than a preset abrasion threshold value;

the first storage subunit is used for determining the qualified bank notes as new bank notes if the abrasion degree is smaller than a preset abrasion threshold value and storing the qualified bank notes into a bank note box for storing the new bank notes;

and the second storage subunit is used for determining the qualified bank notes as old bank notes if the abrasion degree is not less than a preset abrasion threshold value, and storing the qualified bank notes into a bank note box for storing the old bank notes.

A storage medium comprising stored instructions, wherein the instructions, when executed, control a device on which the storage medium is located to perform a withdrawal method as described above.

An electronic device comprising a memory, and one or more instructions, wherein the one or more instructions are stored in the memory and configured to be executed by one or more processors to perform a method of withdrawal as described above.

Compared with the prior art, the invention has the following advantages:

the embodiment of the invention provides a withdrawal method and device, a storage medium and electronic equipment, wherein the method comprises the following steps: when receiving a withdrawal instruction sent by a customer, determining whether the type of the banknotes selected by the customer is new banknotes; if the banknote type selected by the customer is determined to be a new banknote, determining each first target banknote box in each preset banknote box, wherein the first target banknote box is a banknote box for storing new banknotes; determining the sum of the money of the rest banknotes in each first target banknote box; determining the withdrawal amount of a customer, and determining at least one second target money box in each first target money box when the sum of the amounts is greater than or equal to the withdrawal amount; and deducting the withdrawal amount from the financial account of the customer, generating a cash-out instruction for each second target cash box, and sending each cash-out instruction to the corresponding second target cash box so as to control each second target cash box to execute cash-out operation. The flow of taking new paper money is added in the self-service deposit and withdrawal equipment, so that a customer can take the new paper money in a self-service deposit and withdrawal machine by self, the customer does not need to queue to a counter of a business outlet to take the new paper money, the workload of counter workers can be effectively reduced, the investment of labor cost is reduced, the time spent by the customer in taking the new paper money is reduced, the efficiency of taking the new paper money by the customer is improved, and higher-quality service is provided for the customer.

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 embodiments of the present invention, and for those skilled in the art, other drawings can be obtained according to the provided drawings without creative efforts.

Fig. 1 is a flowchart of a method for withdrawing money according to an embodiment of the present invention;

FIG. 2 is a flow chart of another method of a withdrawal method according to an embodiment of the present invention;

FIG. 3 is a flowchart of another method of a withdrawal method according to an embodiment of the present invention;

fig. 4 is a schematic structural diagram of a cash dispensing apparatus according to an embodiment of the present invention;

fig. 5 is a schematic structural diagram of an electronic device 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.

In this application, the terms "comprises," "comprising," or any other variation thereof, are intended to cover a non-exclusive inclusion, such that a process, method, article, or apparatus that comprises a list of elements does not include only those elements but may include other elements not expressly listed or inherent to such process, method, article, or apparatus. Without further limitation, an element defined by the phrase "comprising an … …" does not exclude the presence of other identical elements in a process, method, article, or apparatus that comprises the element.

The withdrawal method and device, the storage medium and the electronic equipment provided by the invention can be applied to the financial field or other fields, for example, the withdrawal method and device can be applied to a withdrawal application scene in the financial field, and the other fields are any fields except the financial field, for example, the field of the internet of things. The above description is only an example, and does not limit the application fields of the withdrawal method and apparatus, the storage medium, and the electronic device provided by the present invention.

The invention is operational with numerous general purpose or special purpose computing device environments or configurations. For example: personal computers, server computers, hand-held or portable devices, tablet-type devices, multi-processor apparatus, distributed computing environments that include any of the above devices or equipment, and the like.

The invention can be applied to a self-service cash recycling machine, the self-service cash recycling machine is equipment integrating functions of withdrawing money and depositing money, and an execution main body of the invention can be a controller or an executor of the self-service cash recycling machine; furthermore, the invention can also be used for other self-service equipment which is provided with a money box and supports deposit and withdrawal. Referring to fig. 1, a flowchart of a method for providing a withdrawal method according to an embodiment of the present invention is specifically described as follows:

and S101, receiving a withdrawal instruction sent by a customer.

According to the method provided by the embodiment of the invention, when a customer needs to take bills, a withdrawal instruction needs to be sent to the self-service deposit and withdrawal machine, and the withdrawal instruction is used for triggering the self-service deposit and withdrawal machine to enter a withdrawal flow; after entering a withdrawal process, the automatic teller machine needs to determine the type of the banknotes selected by a customer, wherein the type of the banknotes is new banknotes or old banknotes.

S102, determining whether the type of the banknotes selected by the customer is new banknotes; if the banknote type selected by the customer is determined to be the new banknote, S103 is executed; if it is determined that the banknote type selected by the customer is not a new banknote, S106 is performed.

The new bank note is a bank note with the abrasion degree smaller than a preset abrasion threshold value, and the old bank note is a bank note with the abrasion degree not smaller than the abrasion threshold value; preferably, the new bill may also mean a bill which has just been printed and has not yet been put into circulation in the market.

Referring to fig. 2, a flow chart of a method for determining whether a banknote type selected by a customer is a new banknote is provided for another embodiment of the present invention, which is described in detail as follows:

s201, displaying a preset withdrawal operation page to a customer, wherein the withdrawal operation page comprises a bill type selection window.

In the method provided by the embodiment of the invention, the withdrawal operation page comprises a function page of new bank notes and a communication interface of a completion server, a customer can select the type of the bank notes in a bank note type selection window in the withdrawal operation page, and the customer can input the type information of the taken bank notes in the bank note type selection window.

S202, acquiring the banknote type selection information input by the customer based on the banknote type selection window, analyzing the banknote type selection information, and determining that the banknote type selected by the customer is the new banknote when the banknote type selection information contains the new banknote identifier.

Analyzing the banknote type selection information to obtain a type identifier in the banknote type selection information, and determining that the banknote type selected by the customer is the new banknote when the type identifier is the new banknote identifier; when the type identifier is not a new banknote identifier, it is determined that the banknote type selected by the customer is an old banknote.

By providing the customer with a withdrawal operation page including a banknote type selection window, the customer can autonomously select the banknote type of the taken banknote, so that the autonomous selectivity of withdrawal of the customer is increased, and higher-quality service can be provided for the customer.

S103, determining each first target money box in each preset money box, wherein the first target money box is a money box for storing new money; and determining the sum of the money amount of the banknotes left in each first target banknote box.

In the method provided by the embodiment of the invention, a plurality of banknote boxes are arranged in the self-service deposit and withdrawal machine, and further, the banknote boxes arranged in the self-service deposit and withdrawal machine have two types, one is used for storing new banknotes, and the other is used for storing old banknotes; furthermore, one banknote box can only store banknotes of one face value; the total amount of banknotes held by different banknote cassettes may be different, as may the denomination.

After determining that the banknotes taken by the customer are new banknotes, determining each first target banknote box in each banknote box, wherein the first target banknote box is a banknote box for storing the new banknotes. Preferably, when each first target bank note box is determined in each preset bank note box, the bank note box identifier of each bank note box can be obtained, each bank note box identifier is compared with each bank note box serial number in the new bank note identifier list, and the bank note box to which the bank note box identifier corresponding to the bank note box serial number exists in the new bank note identifier list is determined as the first target bank note box, and further, the bank note box identifier and the bank note box serial number can be both composed of numbers and letters.

After each first target money box is determined, the sum of the money amount of each first target money box needs to be determined, and the sum of the money amount of the remaining money in each first target money box can be obtained by performing summation operation on the remaining money amount in each first target money box. It should be noted that when determining the remaining amount in each first target banknote box, the remaining amount of each first target banknote box may be determined by a sensor, and the remaining amount may also be determined by a management module of the first target banknote box, where the management module is configured to monitor a total amount of banknotes output, an initial total amount, a total amount of banknotes input, and the like of the first target banknote box, and optionally, the remaining amount in the first target banknote box may be obtained by adding the initial total amount, the total amount of banknotes input, and the total amount of banknotes output; further, parameter information of the first target banknote box, such as the banknote denomination, the banknote box alarm threshold value, the banknote box state and the like stored in the banknote box, can be acquired through the management module.

Furthermore, when the abnormal state of the banknote box is detected or the number of the banknotes in the banknote box is less than a preset threshold value, relevant alarm information can be sent to a manager, so that the manager can maintain the banknote box and increase the banknotes in the banknote box in time.

S104, determining the withdrawal amount of the customer, and determining at least one second target money box in each first target money box when the sum of the amounts is larger than or equal to the withdrawal amount.

Determining a withdrawal amount of a customer, comparing the withdrawal amount with a sum of the first target banknote boxes, and further determining whether the sum of the withdrawal amounts is greater than or equal to the withdrawal amount, and when the sum of the withdrawal amounts is greater than or equal to the withdrawal amount, determining that banknotes corresponding to the withdrawal amount can be provided for the customer, and further determining at least one second target banknote box in each first target banknote box, referring to fig. 3, a flowchart of a method for determining at least one second target banknote box in each first target banknote box, which is provided for another embodiment of the present invention, is specifically described as follows:

s301, determining the remaining amount in each first target cash box.

And S302, determining at least one second target cash box in each first target cash box based on each residual amount, the withdrawal amount and a preset preferred cash-out rule, and distributing the cash-out amount to each second target cash box.

The second target currency box can be determined according to the rule that the number of the called currency boxes is minimum and the currency in the currency box is emptied as the prior currency output, and the specific steps are as follows: when a first target money box with the residual amount larger than or equal to the withdrawal amount exists, directly determining a second target money box by taking the minimum number of the called money boxes as a priority condition; when there is no first target banknote box with the remaining amount greater than or equal to the withdrawal amount, a plurality of second target banknote boxes need to be determined by taking emptying of banknotes in the banknote box as a priority condition, wherein one of the methods is as follows: arranging the residual amounts in a descending order, superposing the residual amounts one by one in a descending order, determining first target money boxes corresponding to the residual amounts corresponding to the superposed total amounts as second target money boxes when the superposed total amount is greater than or equal to the withdrawal amount, and distributing the withdrawal amount according to the residual amount of each second target money box, wherein the sum of the withdrawal amounts of the second target money boxes is the withdrawal amount, specifically, when distributing the withdrawal amount for each second target money box, the withdrawal amounts of the second target money boxes except the second target money box with the largest residual amount are configured as the respective residual amounts, the withdrawal total amounts of the second target money boxes except the second target money box with the largest residual amount are determined, and the withdrawal amounts are subtracted, and obtaining the residual money amount, and taking the residual money amount as the money amount of the second target money box with the maximum residual money amount.

And S105, deducting the withdrawal amount from the financial account of the customer, generating a cash-out instruction for each second target cash box, and sending each cash-out instruction to the corresponding second target cash box so as to control each second target cash box to execute cash-out operation.

In the method provided by the embodiment of the invention, the financial account number of the customer can be specifically a bank card number of the customer, when the cash-out instruction is generated for each second target cash box, the cash-out instruction of each second target cash box is generated according to the cash-out amount of each second target cash box, and specifically, the cash-out instruction comprises information indicating the amount of cash output of the cash box.

And controlling the second target cash box to execute cash dispensing operation through the cash dispensing instruction so as to provide the cash corresponding to the withdrawal amount of the cash to the customer.

And S106, controlling a banknote box for storing old banknotes to execute banknote discharging operation based on the withdrawal amount of the customer, wherein the old banknotes are banknotes with the wearing degree not less than a preset wearing threshold value.

When the type of the bank note taken by the customer is not a new bank note, the bank note box for storing the old bank note can be controlled to execute the bank note discharging operation, so that the customer can obtain the bank note corresponding to the money drawing amount.

In the method provided by the embodiment of the invention, when a withdrawal instruction sent by a customer is received, whether the type of the bank note selected by the customer is a new bank note is determined; if the banknote type selected by the customer is determined to be a new banknote, determining each first target banknote box in each preset banknote box, wherein the first target banknote box is a banknote box for storing new banknotes; determining the sum of the money amount of the remaining banknotes in each first target banknote box; determining the withdrawal amount of the customer, and determining at least one second target cash box in each first target cash box when the sum of the amounts is larger than or equal to the withdrawal amount; and deducting the withdrawal amount from the financial account of the customer, generating a cash-out instruction for each second target cash box, and sending each cash-out instruction to the corresponding second target cash box so as to control each second target cash box to execute cash-out operation. According to the method provided by the embodiment of the invention, the new money can be taken by a customer in a self-service deposit and withdrawal machine by adding the new money taking process in the self-service deposit and withdrawal equipment, and the customer does not need to queue to a counter of a business outlet to take the new money, so that the workload of counter staff can be effectively reduced, the investment of labor cost is reduced, the time spent by the customer to take the new money is reduced, the efficiency of taking the new money by the customer is improved, and higher-quality service is provided for the customer.

Continuing with the description of fig. 1, in the method provided in the embodiment of the present invention, before each first target banknote box is determined in each preset banknote box, it may be further verified whether the customer is a reservation customer, and the specific flow is as follows:

s401, obtaining client information of the client.

The customer information includes information such as the name, identification number, and financial account number of the customer.

S402, judging whether the client is a reservation client or not based on the client information; if the client is the reservation client, executing S103; if the client is not a reservation client, S403 is executed.

The self-service cash recycling machine sends the obtained customer information to the management system, so that the management system determines whether reservation information corresponding to the customer information exists in the new cash reservation database, if the management system determines that the reservation information corresponding to the customer information exists in the new cash reservation database, authentication passing information representing that the customer is the reservation information is generated, and the authentication information is sent to the self-service cash recycling machine, so that the self-service cash recycling machine determines that the customer is the reservation customer after receiving the authentication passing information; and if the management system determines that the reservation information corresponding to the client information does not exist in the new banknote reservation database, generating authentication failure information representing that the client is not the reservation information, and sending the authentication failure information to the self-service deposit and withdrawal machine, so that the self-service deposit and withdrawal machine determines that the client is not the reservation client after receiving the authentication failure information.

It should be noted that, the client to be reserved is a client for reserving to take new money, and the client may make a reservation before taking new money, so that the client has the right to take new money.

Furthermore, the new money reservation database is used for storing information of customers who reserve to take new money, and the management system is used for monitoring and managing the working state of each self-service deposit and withdrawal machine.

And S403, prompting that the client does not have the right to take the new money, and stopping providing the service of taking the new money for the client.

According to the method provided by the embodiment of the invention, the client really needing to take the new money can make an appointment in advance, the crowd taking the new money in the self-service deposit and withdrawal machine is effectively limited by verifying whether the client is the client for appointment or not, and the client not needing to take the new money is effectively screened out to a certain extent, so that the new money in the self-service deposit and withdrawal machine can be provided for more clients really needing the new money.

In the method provided by the embodiment of the invention, before receiving a withdrawal instruction sent by a customer, the customer can also perform deposit operation first so as to perform an operation of replacing an old money with a new money, and the specific flow is as follows:

s501, a deposit instruction sent by a customer is obtained, and the customer is prompted to put each deposited bank note into the opened money saving opening.

When a deposit instruction sent by a client is acquired, the opening of a money deposit port of the self-service cash recycling machine is controlled, and prompt information for putting the bank notes to be deposited into the opened money deposit port is displayed on the display screen, so that the client can put the bank notes into the opened money deposit port according to the prompt. Further, after the customer puts the bills in the opened money slot, S502 is performed.

S502, identifying each banknote in the money deposit port, determining the banknotes meeting the preset storage rule as qualified banknotes, and storing each qualified banknote.

A bank note verification module in the ATM can be called to verify the authenticity of each bank note in the cash deposit port and determine the bank note identified as genuine as qualified bank note; preferably, S503 is performed after each of the qualified bills is preserved.

When each qualified banknote is stored, the specific flow is as follows:

s601, determining the abrasion degree of each qualified banknote, and determining whether the abrasion degree is smaller than a preset abrasion threshold value; if the abrasion degree is smaller than the abrasion threshold value, executing S602; if the wear level is not less than the wear threshold, S603 is executed.

When determining the abrasion degree of each acceptable banknote, analyzing the abrasion degree of the acceptable banknote by using a recognition model trained in advance, wherein the recognition model can be composed of a recognition algorithm, and the recognition algorithm is used for recognizing the abrasion degree of the banknote, and when recognizing the abrasion degree of the banknote, the recognition algorithm can determine the abrasion degree of the banknote according to parameters such as stain on the banknote, color of the banknote, issue year of the banknote, color and luster of the banknote, hardness of paper and the like.

And S602, determining the qualified bank notes as new bank notes, and storing the qualified bank notes into a bank note box for storing the new bank notes.

When the qualified bank notes are determined to be the new bank notes, the bank note boxes can be selected for the qualified bank notes in the bank note boxes storing the new bank notes, and the qualified bank notes are stored in the bank note boxes selected for the qualified bank notes.

And S603, determining the qualified bank notes as old bank notes, and storing the qualified bank notes into a bank note box for storing the old bank notes.

According to the method provided by the embodiment of the invention, the new banknotes are effectively distinguished from the old banknotes by classifying the banknotes stored by the customers, so that the new banknotes can be recycled, the number of the banknotes in the banknote box for storing the new banknotes can be increased, the working period of the banknote box for storing the new banknotes in the self-service cash recycling machine is extended, and the new banknotes can be provided for more customers.

S503, determining the deposit amount based on each qualified bank note, and adding the deposit amount to the financial account number of the client.

The customer can get new paper money again after keeping the bank note, and the amount of getting new paper money can be selected according to actual demand, and further, the amount of bank note that the customer keeps can be the amount of new bank note of wanting to get, and from this, two dynamic account transactions have taken place for customer's financial account, and one increases one and subtracts, and the amount of money in customer's financial account does not change. Preferably, the customer takes the new money after storing the old money, so that the requirement of the customer for exchanging the new money is met.

Corresponding to the method shown in fig. 1, an embodiment of the present invention provides a withdrawal apparatus, which may be disposed in a self-service deposit and withdrawal machine or a device supporting self-service deposit and withdrawal, where the self-service deposit and withdrawal machine is composed of an intelligent device and other devices, and a schematic structural diagram of the apparatus is shown in fig. 4, and is described as follows:

a first determining unit 701, configured to determine whether a banknote type selected by a customer is a new banknote when a withdrawal instruction sent by the customer is received, where the new banknote is a banknote whose degree of wear is less than a preset wear threshold;

a second determining unit 702, configured to determine, if it is determined that the banknote type selected by the customer is a new banknote, each first target banknote box in each preset banknote box, where the first target banknote box is a banknote box for storing new banknotes; determining the sum of the money amount of the remaining banknotes in each first target banknote box;

a third determining unit 703, configured to determine a withdrawal amount of the customer, and determine at least one second target banknote box in each first target banknote box when the sum of the amounts is greater than or equal to the withdrawal amount;

the generating unit 704 is configured to deduct the withdrawal amount from the financial account of the customer, generate a cash dispensing instruction for each second target cash box, and send each cash dispensing instruction to the corresponding second target cash box to control each second target cash box to perform a cash dispensing operation.

In the device provided by the embodiment of the invention, when a withdrawal instruction sent by a customer is received, whether the type of the bank note selected by the customer is a new bank note is determined; if the banknote type selected by the customer is determined to be a new banknote, determining each first target banknote box in each preset banknote box, wherein the first target banknote box is a banknote box for storing new banknotes; determining the sum of the money amount of the remaining banknotes in each first target banknote box; determining the withdrawal amount of the customer, and determining at least one second target cash box in each first target cash box when the sum of the amounts is larger than or equal to the withdrawal amount; and deducting the withdrawal amount from the financial account of the customer, generating a cash-out instruction for each second target cash box, and sending each cash-out instruction to the corresponding second target cash box so as to control each second target cash box to execute cash-out operation. The flow of taking new paper money is added in the self-service deposit and withdrawal equipment, so that a customer can take the new paper money in a self-service deposit and withdrawal machine by self, the customer does not need to queue to a counter of a business outlet to take the new paper money, the workload of counter workers can be effectively reduced, the investment of labor cost is reduced, the time spent by the customer in taking the new paper money is reduced, the efficiency of taking the new paper money by the customer is improved, and higher-quality service is provided for the customer.

In the apparatus provided in the embodiment of the present invention, the first determining unit 701 may be configured to:

In the apparatus provided in the embodiment of the present invention, the third determining unit 703 may be configured to:

In the apparatus provided in the embodiment of the present invention, the generating unit 704 may be configured to:

In the apparatus provided in the embodiment of the present invention, before the second determining unit 702 determines each first target banknote box in each preset banknote box, the following operations are performed:

acquiring customer information of the customer;

The device provided by the embodiment of the invention can be further configured to:

In the apparatus provided in the embodiment of the present invention, the identification unit may be configured to:

The embodiment of the present invention further provides a storage medium, where the storage medium includes a stored instruction, where when the instruction runs, the apparatus where the storage medium is located is controlled to perform the following operations:

An electronic device is provided in an embodiment of the present invention, and the structural diagram of the electronic device is shown in fig. 5, which specifically includes a memory 801 and one or more instructions 802, where the one or more instructions 802 are stored in the memory 801 and configured to be executed by the one or more processors 803 to perform the following operations:

The specific implementation procedures and derivatives thereof of the above embodiments are within the scope of the present invention.

The embodiments in the present specification are described in a progressive manner, and the same and similar parts among the embodiments are referred to each other, and each embodiment focuses on the differences from the other embodiments. In particular, the system or system embodiments are substantially similar to the method embodiments and therefore are described in a relatively simple manner, and reference may be made to some of the descriptions of the method embodiments for related points. The above-described system and system embodiments are only illustrative, wherein the units described as separate parts may or may not be physically separate, and the parts displayed as units may or may not be physical units, may be located in one place, or may be distributed on a plurality of network units. Some or all of the modules may be selected according to actual needs to achieve the purpose of the solution of the present embodiment. One of ordinary skill in the art can understand and implement it without inventive effort.

Those of skill would further appreciate that the various illustrative elements and algorithm steps described in connection with the embodiments disclosed herein may be implemented as electronic hardware, computer software, or combinations of both, and that the various illustrative components and steps have been described above generally in terms of their functionality in order to clearly illustrate this interchangeability of hardware and software. Whether such functionality is implemented as hardware or software depends upon the particular application and design constraints imposed on the implementation. 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 invention.

The previous description of the disclosed embodiments is provided to enable any person skilled in the art to make or use the present invention. Various modifications to these embodiments will be readily apparent to those skilled in the art, and the generic principles defined herein may be applied to other embodiments without departing from the spirit or scope of the invention. Thus, the present invention is not intended to be limited to the embodiments shown herein but is to be accorded the widest scope consistent with the principles and novel features disclosed herein.

Claims

1. A method of withdrawing money, comprising:

2. The method of claim 1, wherein said determining whether the customer-selected banknote type is a new banknote comprises:

3. The method as claimed in claim 1, wherein said determining at least one second target cassette among each of said first target cassettes comprises:

determining the remaining amount in each of the first target cassettes;

4. The method as claimed in claim 3, wherein the generating of the dispensing instruction for each of the second target cassettes comprises:

5. The method as claimed in claim 1, wherein prior to determining each first target cassette among the predetermined cassettes, further comprising:

acquiring customer information of the customer;

6. The method of claim 1, further comprising, prior to receiving a withdrawal instruction from a customer:

7. The method of claim 6, wherein said storing each of said qualified banknotes comprises:

8. A cash dispenser device, comprising:

9. A storage medium comprising stored instructions, wherein the instructions, when executed, control a device on which the storage medium resides to perform a withdrawal method as claimed in any one of claims 1 to 7.

10. An electronic device comprising a memory, and one or more instructions, wherein the one or more instructions are stored in the memory and configured to be executed by one or more processors to perform the method of withdrawing money according to any one of claims 1-7.