CN114331402B - Cash withdrawal method and device - Google Patents
Cash withdrawal method and device Download PDFInfo
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- CN114331402B CN114331402B CN202210189459.5A CN202210189459A CN114331402B CN 114331402 B CN114331402 B CN 114331402B CN 202210189459 A CN202210189459 A CN 202210189459A CN 114331402 B CN114331402 B CN 114331402B
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Abstract
The invention provides a cash withdrawal method and a cash withdrawal device, which comprise the following steps: when detecting that a user initiates a cash withdrawal request, acquiring request information contained in the cash withdrawal request; based on the request information, checking whether the user is bound with a unique user identifier openid of the collection software; when the user binds the openid of the collection software, checking whether the user is authenticated by real name based on the request information; when the user is authenticated by real name, checking whether the cash withdrawal request is an illegal cash withdrawal request; and if the withdrawal request is a legal withdrawal request, withdrawing the withdrawal money corresponding to the withdrawal request to the collection software. The method provided by the invention can shorten the authentication flow in the process of presenting and reduce the time for presenting and arriving accounts.
Description
Technical Field
The invention relates to the technical field of finance, in particular to a cash withdrawal method and a cash withdrawal device.
Background
With the development of internet technology, users can consume and manage user assets through various transaction platforms. At present, a mainstream trading platform can realize the maximum profit of user assets by purchasing commodities such as funds, financing, bonds and the like, and when a user obtains the profit, the personal profit needs to be brought to a personal account number such as a bank card from the trading platform so as to facilitate the further management of the user assets.
In the prior art, a user needs to provide more personal materials for carrying out cash-up on user assets on a transaction platform, and the user authenticates through a plurality of platforms, some users can only wait for the platform to actively release the personal materials, and some users can only actively initiate cash-up at a certain time point or within a certain time period, so that more limiting conditions are met.
Disclosure of Invention
In view of this, the present invention provides a cash withdrawal method, by which an authentication process during cash withdrawal can be shortened and cash withdrawal and account arrival time can be reduced.
The invention also provides a cash withdrawal device used for ensuring the realization and the application of the method in practice.
A cash-out method, comprising:
when detecting that a user initiates a cash withdrawal request, acquiring request information contained in the cash withdrawal request;
based on the request information, checking whether the user is bound with a unique user identifier openid of the collection software;
when the user binds the openid of the collection software, checking whether the user is authenticated by real name based on the request information;
when the user is authenticated by real name, checking whether the cash withdrawal request is an illegal cash withdrawal request;
and if the withdrawal request is a legal withdrawal request, withdrawing the withdrawal money corresponding to the withdrawal request to the collection software.
Optionally, in the method, the verifying whether the user is bound to the unique user identifier openid of the collection software based on the request information includes:
decrypting the request information to obtain decrypted request information;
searching whether openid uploaded by the user exists in the decrypted request information;
when the openid uploaded by the user exists in the decrypted request information, determining that the openid of the collection software is bound by the user;
and when the openid uploaded by the user does not exist in the decrypted request information, determining that the openid of the collection software is not bound by the user.
The above method, optionally, further includes:
when the user does not bind the openid of the collection software, starting a credit granting module of the collection software;
controlling the credit granting module to send an authorization request to the user;
and when an authorization instruction corresponding to the authorization request sent by the user is received, generating an openid corresponding to the user, and sending the generated openid to the user.
Optionally, the method for checking whether the cash withdrawal request is an illegal cash withdrawal request includes:
acquiring a user code input by the user during the registration of the collection software;
inquiring whether an illegal user code consistent with the user code exists in a preset safety center;
when an illegal user code consistent with the user code does not exist, determining that the cash withdrawal request is a legal cash withdrawal request;
and when an illegal user code consistent with the user code exists, determining that the cash withdrawal request is an illegal cash withdrawal request.
Optionally, the method for cashing out the withdrawal item corresponding to the withdrawal request to the collection software includes:
judging whether the withdrawal amount corresponding to the withdrawal money exceeds a preset audit limit or not;
when the withdrawal amount corresponding to the withdrawal amount exceeds the audit limit, forwarding the withdrawal request to a preset audit terminal, so that the audit terminal audits the withdrawal amount;
calculating the tax corresponding to the withdrawal sum when the withdrawal sum corresponding to the withdrawal sum is checked;
and executing tax deduction operation based on the tax, and withdrawing the withdrawal money item after tax deduction in a preset transaction platform to the collection software.
A cash register apparatus comprising:
the system comprises an acquisition unit, a processing unit and a display unit, wherein the acquisition unit is used for acquiring request information contained in a cash withdrawal request when detecting that a user initiates the cash withdrawal request;
the first checking unit is used for checking whether the user is bound with the unique user identifier openid of the collection software or not based on the request information;
the second checking unit is used for checking whether the user is authenticated by real name based on the request information when the user binds the openid of the collection software;
the checking unit is used for checking whether the cash withdrawal request is an illegal cash withdrawal request or not when the user is authenticated by a real name;
and the cash withdrawal unit is used for withdrawing cash withdrawal items corresponding to the cash withdrawal request in a preset transaction platform to the collection software if the cash withdrawal request is a legal cash withdrawal request.
The above apparatus, optionally, the first verifying unit includes:
the decryption subunit is used for decrypting the request information to obtain decrypted request information;
the searching subunit is used for searching whether openid uploaded by the user exists in the decrypted request information;
the first determining subunit is configured to determine that the user has bound the openid of the collection software when the openid uploaded by the user exists in the decrypted request information;
and the second determining subunit is configured to determine that the openid of the collection software is not bound to the user when the openid uploaded by the user does not exist in the decrypted request information.
The above apparatus, optionally, further comprises:
the promoter unit is used for starting a credit granting module of the collection software when the openid of the collection software is not bound by the user;
the sending subunit is used for controlling the credit granting module to send an authorization request to the user;
and the generating subunit is configured to generate the openid corresponding to the user and send the generated openid to the user when receiving an authorization instruction corresponding to the authorization request sent by the user.
The above apparatus, optionally, the inspection unit, comprises:
the acquisition subunit is used for acquiring a user code input by the user during the registration of the collection software;
the inquiry subunit is used for inquiring whether an illegal user code consistent with the user code exists in a preset security center;
a third determining subunit, configured to determine that the cash withdrawal request is a legal cash withdrawal request when there is no illegal user code that is consistent with the user code;
and the fourth determining subunit is used for determining that the cash withdrawal request is an illegal cash withdrawal request when an illegal user code consistent with the user code exists.
The above apparatus, optionally, the presentation unit, includes:
the judging subunit is used for judging whether the withdrawal amount corresponding to the withdrawal money exceeds a preset auditing limit or not;
the auditing subunit is configured to forward the withdrawal request to a preset auditing end when the withdrawal amount corresponding to the withdrawal amount exceeds the auditing limit, so that the auditing end audits the withdrawal amount;
the calculating subunit is used for calculating the tax corresponding to the withdrawal sum when the withdrawal sum corresponding to the withdrawal sum is checked;
and the cash withdrawal subunit is used for executing tax deduction operation based on the tax and withdrawing cash withdrawals after tax deduction in a preset transaction platform to the collection software.
A storage medium comprising stored instructions, wherein the instructions, when executed, control a device on which the storage medium resides to perform the above-described presentation method.
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 the one or more processors to perform the above-described presentation method.
Compared with the prior art, the invention has the following advantages:
the invention provides a cash withdrawal method, which comprises the following steps: when detecting that a user initiates a cash-out request, acquiring request information contained in the cash-out request; based on the request information, checking whether the user is bound with a unique user identifier openid of the collection software; when the user binds the openid of the collection software, checking whether the user is authenticated by real name based on the request information; when the user is authenticated by real name, checking whether the cash withdrawal request is an illegal cash withdrawal request; and if the withdrawal request is a legal withdrawal request, withdrawing the withdrawal money corresponding to the withdrawal request to the collection software. The method provided by the invention can shorten the authentication flow in the process of presenting and reduce the time for presenting and arriving accounts.
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 of a cash-out method according to an embodiment of the present invention;
FIG. 2 is a flowchart of another method of a presentation method according to an embodiment of the present invention;
FIG. 3 is a flowchart of another method of a presentation method according to an embodiment of the present invention;
fig. 4 is a diagram illustrating an apparatus structure of a presentation 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, relational terms such as first and second, and the like are used solely to distinguish one entity or action from another entity or action without necessarily requiring or implying any actual such relationship or order between such entities or actions, and 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 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.
An embodiment of the present invention provides a presentation method, which may be applied to multiple system platforms, where an execution subject of the method may be a computer terminal or a processor of various mobile devices, and a flowchart of the method is shown in fig. 1, and specifically includes:
s101: when detecting that a user initiates a cash-out request, acquiring request information contained in the cash-out request.
It should be noted that, the user may initiate a cash withdrawal request to the transaction platform, or may initiate a cash withdrawal request through the collection software. The transaction platform can be a functional platform which can realize asset transaction operation in payment software such as mobile banking APP and the like. The request information is encrypted request information, wherein the encrypted request information comprises account information of the user and related real name information.
S102: and checking whether the user is bound with the unique user identification openid of the collection software or not based on the request information.
It should be noted that the collection software may be a WeChat, the openid of the collection software may be a WeChat openid, and the openid is a unique user identifier of the WeChat user under a public number appid (if appids are different, the obtained openid is different), and may be used to mark a user permanently. The openid does not contain specific information and can only be verified and decrypted by a WeChat party.
Specifically, if the user binds the openid of the collection software, the user inputs the bound openid on the request page when sending a cash withdrawal request through the client.
S103: and when the user binds the openid of the collection software, checking whether the user is authenticated by real name based on the request information.
Specifically, the process of checking whether the user has been authenticated by the real name based on the request information may specifically include: acquiring real name information contained in the decrypted request information; comparing the real name information with real name information corresponding to the user and stored in advance by the collection software; and when the real name information is consistent with the real name information corresponding to the user and stored in advance by the collection software, the real name authentication of the user is passed.
S104: and when the user is authenticated by the real name, checking whether the cash withdrawal request is an illegal cash withdrawal request.
Specifically, the illegal cash withdrawal request refers to a cash withdrawal request after a user makes a profit through an illegal means.
S105: and if the withdrawal request is a legal withdrawal request, withdrawing the withdrawal money corresponding to the withdrawal request to the collection software.
In the invention, when the cash withdrawal request is not an illegal cash withdrawal request, corresponding cash withdrawal operation is executed, namely, the assets required to be withdrawn in the transaction platform are withdrawn to the account registered by the collection software user.
In the method provided by the embodiment of the invention, when a user sends a presentation request to a transaction platform, request information contained in the presentation request is obtained, whether the user is bound with openid or not is verified through the request information, and whether the user is authenticated by real name or not is verified; when the user is bound with the openid and authenticated by real name, whether a cash withdrawal request of the user is legal or not needs to be further confirmed, and if yes, cash withdrawal of cash withdrawal assets needing to be withdrawn by the user is carried out.
It should be noted that, the user may initiate a cash withdrawal request to the transaction platform, or may initiate a cash withdrawal request through the cash withdrawal software, and the transaction platform and the cash withdrawal software may be the same software.
By applying the method provided by the embodiment of the invention, the authentication process during the presentation can be shortened, and the presentation and account-arriving time can be reduced.
In the method provided by the embodiment of the invention, before the user assets are brought back, quick verification is required, wherein whether the user is bound with openid or not, whether real-name authentication is carried out or not and whether a bringing-back request is legal or not are verified so as to determine whether one-step carrying out bringing-back operation is required or not.
Specifically, as shown in fig. 2, the process of checking whether the user binds to the unique user identifier openid of the collection software based on the request information may include:
s201: and decrypting the request information to obtain the decrypted request information.
It should be noted that, when the user initiates a cash withdrawal request, the client encrypts and transmits the real-name information and the obtained openid to the server, the server compares the received real-name information with the real-name information bound by the user in the collection software, and the collection software allows cash withdrawal only when the real-name information and the obtained openid are the same. If the user real-name information needs to be replaced, the user can contact with the customer service to unbind the current real-name information and re-authenticate the user.
The client encrypts the request information according to the agreed encryption algorithm, and the server decrypts the request information according to the agreed encryption algorithm.
It can be understood that if the user has bound the openid, the openid will exist in the request information, otherwise, the openid does not exist.
S202: and searching whether the openid uploaded by the user exists in the decrypted request information.
Specifically, when the openid uploaded by the user exists in the decrypted request information, S203 is executed; and executing S204 when the openid uploaded by the user does not exist in the decrypted request information.
S203: and determining the openid of the collection software bound by the user.
S204: and determining the openid of the collection software which is not bound by the user.
In the method provided by the embodiment of the invention, the encrypted request information in the cash-out request initiated by the user is obtained, and the request information is decrypted. And determining whether the openid of the money receiving software is bound by the user by checking whether the openid is contained in the decrypted request information, so as to authenticate the user by real name under the condition of determining the openid of the money receiving software.
Further, when the openid of the collection software is not bound, a new openid needs to be given to the user, and the specific process is as follows: when the user does not bind the openid of the collection software, starting a credit granting module of the collection software; controlling the credit granting module to send an authorization request to the user; and when an authorization instruction corresponding to the authorization request sent by the user is received, generating an openid corresponding to the user, and sending the generated openid to the user.
The authorization module is used for generating an authorization protocol and sending the protocol to a user, the user confirms whether the authorization protocol needs to be bound with the openid of the collection software or not by reading the protocol content, when the user selects confirmation at the client, the client sends a corresponding authorization instruction, the server generates the only openid of the user after receiving the authorization instruction, and sends the openid to the user, so that the binding between the user and the openid of the collection software is realized.
In the embodiment of the present invention, after performing real-name authentication on a user, a process of checking whether a cash withdrawal request is an illegal cash withdrawal request is shown in fig. 3, which may specifically include:
s301: and acquiring a user code input by the user during the registration of the collection software.
It should be noted that the user code may be a number used for confirming user information, such as a mobile phone number or an identification number of the user.
S302: and inquiring whether an illegal user code consistent with the user code exists in a preset security center.
It should be noted that, the security center user monitors the user behavior registered in the collection software in real time, and confirms whether the user has illegal transactions according to the user behavior. When the user has illegal transaction, the user code of the user is marked as an illegal user code.
Therefore, when there is no illegal user code identical to the user code, S303 is performed; when there is an illegal user code identical to the user code, S304 is performed.
S303: and determining that the cash withdrawal request is a legal cash withdrawal request.
S304: and determining that the cash withdrawal request is an illegal cash withdrawal request.
In the embodiment of the invention, the user is subjected to the legality check through the security center, and the cash withdrawal operation is allowed to be executed when the user is determined to be a legal cash withdrawal request.
Optionally, if the cash-out request is an illegal cash-out request, the user is denied to perform cash-out operation.
Further, the user may involve a large-amount withdrawal process in the withdrawal process, and in order to ensure the safety of funds, before the user assets are withdrawn to the payment software, the withdrawal limit may be checked, which specifically includes the following steps:
judging whether the withdrawal amount corresponding to the withdrawal money exceeds a preset audit limit or not;
when the withdrawal amount corresponding to the withdrawal cash item exceeds the auditing limit, forwarding the withdrawal request to a preset auditing end to enable the auditing end to audit the withdrawal cash item;
calculating the tax corresponding to the withdrawal sum when the withdrawal sum corresponding to the withdrawal sum is checked;
and executing tax deduction operation based on the tax, and withdrawing the withdrawal money item after tax deduction in a preset transaction platform to the collection software.
It can be understood that, since the amount of money of the user cash-out belongs to the personal income, before initiating the cash-out, it is determined whether the user balance income needs to be deducted tax and the type and ratio of deducting tax. The amount deducted by tax is used as the amount actually arriving at the WeChat account. Meanwhile, different processing schemes are carried out on withdrawal items for safety, and if the withdrawal items belong to small withdrawal, the withdrawal items can be directly put into an account corresponding to the collection software without deduction, and the withdrawal items are paid in real time; if the small amount is not to be withdrawn, the money is firstly put into an internal withdrawal auditing background, and the money is put after the manual auditing is correct.
The specific implementation procedures and derivatives thereof of the above embodiments are within the scope of the present invention.
Corresponding to the method described in fig. 1, an embodiment of the present invention further provides a cash register device, which is used for specifically implementing the method in fig. 1, where the cash register device provided in the embodiment of the present invention may be applied to a computer terminal or various mobile devices, and a schematic structural diagram of the cash register device is shown in fig. 4, and specifically includes:
an obtaining unit 401, configured to obtain request information included in a cash withdrawal request when it is detected that a user initiates the cash withdrawal request;
a first checking unit 402, configured to check whether the user binds to a unique user identifier openid of the collection software based on the request information;
a second checking unit 403, configured to check whether the user has been authenticated by a real name based on the request information when the user binds the openid of the collection software;
a checking unit 404, configured to check whether the cash withdrawal request is an illegal cash withdrawal request when the user has been authenticated by a real name;
and a cash withdrawal unit 405, configured to, if the cash withdrawal request is a legal cash withdrawal request, withdraw cash withdrawal items corresponding to the cash withdrawal request in a preset transaction platform to the collection software.
In the device provided by the embodiment of the invention, when a user sends a presentation request to a transaction platform, request information contained in the presentation request is obtained, and whether the user is bound with openid or not is verified through the request information and whether the user is authenticated by real name or not is verified; when the user is bound with the openid and authenticated by the real name, whether the withdrawal request of the user is legal or not needs to be further confirmed, and if yes, withdrawal money to be withdrawn by the user is withdrawn.
By applying the device provided by the embodiment of the invention, the authentication process in the process of presentation can be shortened, and the presentation and account-arriving time can be reduced.
In the apparatus provided in the embodiment of the present invention, the first verifying unit 402 includes:
the decryption subunit is used for decrypting the request information to obtain decrypted request information;
the searching subunit is used for searching whether openid uploaded by the user exists in the decrypted request information;
the first determining subunit is configured to determine that the user has bound the openid of the collection software when the openid uploaded by the user exists in the decrypted request information;
and the second determining subunit is configured to determine that the openid of the collection software is not bound to the user when the openid uploaded by the user does not exist in the decrypted request information.
The device provided by the embodiment of the invention further comprises:
the promoter unit is used for starting a credit granting module of the collection software when the openid of the collection software is not bound by the user;
the sending subunit is used for controlling the credit granting module to send an authorization request to the user;
and the generating subunit is used for generating the openid corresponding to the user and sending the generated openid to the user when receiving an authorization instruction corresponding to the authorization request sent by the user.
In the apparatus provided in the embodiment of the present invention, the checking unit 404 includes:
the acquisition subunit is used for acquiring a user code input by the user during the registration of the collection software;
the inquiring subunit is used for inquiring whether an illegal user code consistent with the user code exists in a preset security center;
a third determining subunit, configured to determine that the cash withdrawal request is a legal cash withdrawal request when there is no illegal user code that is consistent with the user code;
and the fourth determining subunit is used for determining that the cash withdrawal request is an illegal cash withdrawal request when an illegal user code consistent with the user code exists.
In the apparatus provided in the embodiment of the present invention, the presentation unit 405 includes:
the judging subunit is used for judging whether the withdrawal amount corresponding to the withdrawal money exceeds a preset auditing limit or not;
the auditing subunit is configured to forward the withdrawal request to a preset auditing end when the withdrawal amount corresponding to the withdrawal amount exceeds the auditing limit, so that the auditing end audits the withdrawal amount;
the calculating subunit is used for calculating the tax corresponding to the withdrawal sum when the withdrawal sum corresponding to the withdrawal sum is checked;
and the cash withdrawal subunit is used for executing tax deduction operation based on the tax and withdrawing cash withdrawals after tax deduction in a preset transaction platform to the collection software.
The specific working processes of each unit and sub-unit in the presence promoting device disclosed in the above embodiment of the present invention can be referred to the corresponding contents in the presence promoting method disclosed in the above embodiment of the present invention, and are not described herein again.
The embodiment of the invention also provides a storage medium, which comprises a stored instruction, wherein when the instruction runs, the device where the storage medium is located is controlled to execute the presentation method.
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 501 and one or more instructions 502, where the one or more instructions 502 are stored in the memory 501, and are configured to be executed by one or more processors 503 to perform the following operations according to the one or more instructions 502:
when detecting that a user initiates a cash withdrawal request, acquiring request information contained in the cash withdrawal request;
based on the request information, checking whether the user is bound with a unique user identifier openid of the collection software;
when the user binds the openid of the collection software, checking whether the user is authenticated by real name based on the request information;
when the user is authenticated by real name, checking whether the cash withdrawal request is an illegal cash withdrawal request;
and if the withdrawal request is a legal withdrawal request, withdrawing the withdrawal money corresponding to the withdrawal request to the collection software.
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.
To clearly illustrate this interchangeability of hardware and software, various illustrative components 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 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 (4)
1. A cash withdrawal method, comprising:
when detecting that a user initiates a cash withdrawal request, acquiring request information contained in the cash withdrawal request;
based on the request information, checking whether the user is bound with a unique user identifier openid of the collection software;
when the user binds the openid of the collection software, checking whether the user is authenticated by real name based on the request information;
when the user is authenticated by real name, checking whether the cash withdrawal request is an illegal cash withdrawal request;
if the withdrawal request is a legal withdrawal request, withdrawing the withdrawal money corresponding to the withdrawal request to the collection software;
the checking whether the cash withdrawal request is an illegal cash withdrawal request comprises the following steps:
acquiring a user code input by the user during the registration of the collection software;
inquiring whether an illegal user code consistent with the user code exists in a preset safety center;
when an illegal user code consistent with the user code does not exist, determining that the cash withdrawal request is a legal cash withdrawal request;
when an illegal user code consistent with the user code exists, determining that the cash withdrawal request is an illegal cash withdrawal request;
the preset safety center monitors user behaviors of registered users in the collection software in real time, confirms whether illegal transactions exist in the users according to the user behaviors, and marks user codes of the users as illegal user codes when the illegal transactions exist in the users;
the checking whether the user is bound with the unique user identifier openid of the collection software based on the request information includes:
decrypting the request information to obtain decrypted request information;
searching whether openid uploaded by the user exists in the decrypted request information;
when the openid uploaded by the user exists in the decrypted request information, determining that the openid of the collection software is bound by the user;
when the openid uploaded by the user does not exist in the decrypted request information, determining that the openid of the collection software is not bound by the user;
when the user does not bind the openid of the collection software, starting a credit granting module of the collection software;
controlling the credit granting module to send an authorization request to the user;
and when an authorization instruction corresponding to the authorization request sent by the user is received, generating an openid corresponding to the user, and sending the generated openid to the user.
2. The method of claim 1, wherein said cashing the withdrawal item corresponding to the cashing request to the collection software comprises:
judging whether the withdrawal amount corresponding to the withdrawal money exceeds a preset audit limit or not;
when the withdrawal amount corresponding to the withdrawal amount exceeds the audit limit, forwarding the withdrawal request to a preset audit terminal, so that the audit terminal audits the withdrawal amount;
calculating the tax corresponding to the withdrawal cash when the withdrawal amount corresponding to the withdrawal cash is checked;
and executing tax deduction operation based on the tax, and withdrawing the withdrawal money item after tax deduction in a preset transaction platform to the collection software.
3. A cash withdrawal apparatus, comprising:
the device comprises an acquisition unit, a processing unit and a display unit, wherein the acquisition unit is used for acquiring request information contained in a cash-out request when detecting that a user initiates the cash-out request;
the first checking unit is used for checking whether the user is bound with the unique user identifier openid of the collection software or not based on the request information;
the second checking unit is used for checking whether the user is authenticated by real name based on the request information when the user binds the openid of the collection software;
the checking unit is used for checking whether the cash withdrawal request is an illegal cash withdrawal request or not when the user is authenticated by a real name;
the cashing unit is used for cashing a cashing item corresponding to the cashing request in a preset transaction platform to the collection software if the cashing request is a legal cashing request;
the inspection unit includes:
the acquisition subunit is used for acquiring a user code input by the user during the registration of the collection software;
the inquiry subunit is used for inquiring whether an illegal user code consistent with the user code exists in a preset security center;
a third determining subunit, configured to determine that the cash withdrawal request is a legal cash withdrawal request when there is no illegal user code that is consistent with the user code;
a fourth determining subunit, configured to determine that the cash withdrawal request is an illegal cash withdrawal request when an illegal user code that is consistent with the user code exists;
the preset safety center monitors user behaviors of registered users in the collection software in real time, confirms whether illegal transactions exist in the users according to the user behaviors, and marks user codes of the users as illegal user codes when the illegal transactions exist in the users;
the first verification unit includes:
the decryption subunit is used for decrypting the request information to obtain decrypted request information;
the searching subunit is used for searching whether openid uploaded by the user exists in the decrypted request information;
the first determining subunit is configured to determine that the user has bound the openid of the collection software when the openid uploaded by the user exists in the decrypted request information;
the second determining subunit is configured to determine that the openid of the collection software is not bound to the user when the openid uploaded by the user does not exist in the decrypted request information;
the promoter unit is used for starting a credit granting module of the collection software when the openid of the collection software is not bound by the user;
the sending subunit is used for controlling the credit granting module to send an authorization request to the user;
and the generating subunit is configured to generate the openid corresponding to the user and send the generated openid to the user when receiving an authorization instruction corresponding to the authorization request sent by the user.
4. The apparatus of claim 3, wherein the cash-out unit comprises:
a judging subunit, configured to judge whether the withdrawal amount corresponding to the withdrawal amount exceeds a preset audit limit;
the auditing subunit is configured to forward the withdrawal request to a preset auditing end when the withdrawal amount corresponding to the withdrawal amount exceeds the auditing limit, so that the auditing end audits the withdrawal amount;
the calculating subunit is used for calculating the tax corresponding to the withdrawal sum when the withdrawal sum corresponding to the withdrawal sum is checked;
and the cash withdrawal subunit is used for executing tax deduction operation based on the tax and withdrawing cash withdrawals after tax deduction in a preset transaction platform to the collection software.
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