CN114943623A - Accumulation fund information processing method and device - Google Patents

Accumulation fund information processing method and device Download PDF

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CN114943623A
CN114943623A CN202210616410.3A CN202210616410A CN114943623A CN 114943623 A CN114943623 A CN 114943623A CN 202210616410 A CN202210616410 A CN 202210616410A CN 114943623 A CN114943623 A CN 114943623A
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extraction
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党娜
刘洋
李�昊
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Bank of China Ltd
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    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
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    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/32—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
    • G06Q20/325—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices using wireless networks
    • G06Q20/3255—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices using wireless networks using mobile network messaging services for payment, e.g. SMS
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
    • G06Q20/401—Transaction verification
    • G06Q20/4014—Identity check for transactions

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Abstract

The invention discloses a method and a device for processing public accumulation fund information, which relate to the technical field of finance, wherein the method comprises the following steps: receiving a public accumulation fund extraction reservation request submitted by a user through a 5G message; generating the public deposit extraction information according to the user identity and the extraction amount contained in the public deposit extraction reservation request; sending the accumulation fund extraction information to a generation extraction user by using a 5G message; when the generation extraction user agrees to the generation extraction, the verification code is sent to the generation extraction user by using a 5G message; receiving identity card information and a verification code sent by a user at a bank outlet terminal; and when the identity card information uploaded by the generation extraction user is determined to be consistent with the identity card information of the generation extraction user submitted by the user and the verification code uploaded by the generation extraction user is determined to be consistent with the verification code sent to the generation extraction user through the 5G message, allowing the generation extraction user to extract the extraction amount from the accumulation account corresponding to the accumulation account number. The invention can improve the flexibility of the extraction of the accumulation fund.

Description

Accumulation fund information processing method and device
Technical Field
The invention relates to the technical field of finance, in particular to a method and a device for processing public accumulation fund information. It should be noted that the method and apparatus for processing the public accumulation fund information of the present invention can be used in the field of financial technology, and can also be used in any field except the field of financial technology.
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 conventional method for extracting the public accumulation fund can only be used for extracting the public accumulation fund offline, and a user needs to carry corresponding certification materials to a bank outlet for extraction. When the user can not arrive at the site in person, the user can not extract the public deposit in time, the public deposit extraction efficiency is low, the extraction mode is not flexible enough, and the user experience is not good.
Disclosure of Invention
The embodiment of the invention provides a method for processing accumulation fund information, which is used for improving the flexibility of accumulation fund extraction, improving the efficiency of accumulation fund extraction and improving user experience and comprises the following steps:
receiving a public accumulation fund extraction reservation request submitted by a user through a 5G message; the public deposit fund extraction reservation request comprises an identity identification of the user, identity card information of the user, a public deposit fund account number, an extraction amount, a mobile phone number of a user for extraction, and identity card information of the user for extraction;
after the user identity is verified according to the identity of the user and the identity card information of the user, generating the public accumulation fund extraction information according to the identity of the user and the extraction amount;
sending the public accumulation fund extraction information to the generation extraction user by using a 5G message according to the mobile phone number of the generation extraction user;
receiving feedback of the extraction information of the generation extraction user according to the accumulation fund: after agreeing to the generation extraction of the 5G message, sending a verification code to the generation extraction user by using the 5G message;
when receiving a public deposit collection request uploaded by a collection user at a banking outlet terminal, sending a verification information acquisition request to the banking outlet terminal;
receiving verification information sent by the banking outlet terminal, wherein the verification information comprises the identity card information and a verification code uploaded by the generation extraction user;
and when the identity card information uploaded by the generation extraction user is determined to be consistent with the identity card information of the generation extraction user submitted by the user, and the verification code uploaded by the generation extraction user is determined to be consistent with the verification code sent to the generation extraction user through a 5G message, allowing the generation extraction user to extract the extraction amount from the accumulation account corresponding to the accumulation account number.
An embodiment of the present invention further provides a device for processing public accumulation fund information, so as to improve flexibility of public accumulation fund extraction, improve public accumulation fund extraction efficiency, and improve user experience, where the device includes:
the first receiving module is used for receiving a public accumulation fund extraction reservation request submitted by a user through a 5G message; the public deposit fund extraction reservation request comprises an identity identification of the user, identity card information of the user, a public deposit fund account number, an extraction amount, a mobile phone number of a user for extraction, and identity card information of the user for extraction;
the first processing module is used for generating the public deposit extraction information according to the identity of the user and the extraction amount after the identity of the user passes the authentication according to the identity of the user and the identity card information of the user;
the sending module is used for sending the accumulation fund extraction information to the generation extraction user by using a 5G message according to the mobile phone number of the generation extraction user;
a second processing module, configured to receive feedback of the information extracted by the generation extraction user according to the accumulation fund: after agreeing to the generation extraction of the 5G message, sending a verification code to the generation extraction user by using the 5G message;
the third processing module is used for sending a verification information acquisition request to the banking outlet terminal when receiving a public deposit collection request uploaded by a bank outlet terminal by a collection user;
the second receiving module is used for receiving verification information sent by the bank branch terminal, wherein the verification information comprises the identity card information and a verification code uploaded by the generation extraction user;
and the third processing module is used for allowing the generation extraction user to extract the extraction amount from the accumulation account corresponding to the accumulation account number when the identity card information uploaded by the generation extraction user is determined to be consistent with the identity card information of the generation extraction user submitted by the user and the verification code uploaded by the generation extraction user is determined to be consistent with the verification code sent to the generation extraction user through a 5G message.
The embodiment of the invention also provides computer equipment which comprises a memory, a processor and a computer program which is stored on the memory and can run on the processor, wherein the processor realizes the method for processing the accumulation fund information when executing the computer program.
The embodiment of the invention also provides a computer readable storage medium, wherein a computer program is stored in the computer readable storage medium, and when the computer program is executed by a processor, the method for processing the accumulation fund information is realized.
An embodiment of the present invention further provides a computer program product, where the computer program product includes a computer program, and when the computer program is executed by a processor, the method for processing the accumulation fund information is implemented.
In the embodiment of the invention, a public accumulation fund extraction reservation request submitted by a user through a 5G message is received; the public deposit fund extraction reservation request comprises an identity identification of the user, identity card information of the user, a public deposit fund account number, an extraction amount, a mobile phone number of a user for extraction, and identity card information of the user for extraction; after the user identity is verified according to the identity of the user and the identity card information of the user, generating the public accumulation fund extraction information according to the identity of the user and the extraction amount; sending the public accumulation fund extraction information to the generation extraction user by using a 5G message according to the mobile phone number of the generation extraction user; receiving feedback of the generation extraction user according to the accumulation fund extraction information: after agreeing to the generation extraction of the 5G message, sending a verification code to the generation extraction user by using the 5G message; when receiving a public deposit collection request uploaded by a collection user at a banking outlet terminal, sending a verification information acquisition request to the banking outlet terminal; receiving verification information sent by the banking outlet terminal, wherein the verification information comprises the identity card information and a verification code uploaded by the generation extraction user; and when the identity card information uploaded by the generation extraction user is determined to be consistent with the identity card information of the generation extraction user submitted by the user, and the verification code uploaded by the generation extraction user is determined to be consistent with the verification code sent to the generation extraction user through a 5G message, allowing the generation extraction user to extract the extraction amount from the accumulation account corresponding to the accumulation account number. Therefore, when the user cannot reach the bank outlet, the user can safely and efficiently extract the public deposit through the generation extraction, the flexibility of the extraction of the public deposit is improved, the extraction efficiency of the public deposit is improved, and the user experience is improved.
Drawings
In order to more clearly illustrate the embodiments of the present invention or the technical solutions in the prior art, the drawings used in the embodiments or the prior art descriptions will be briefly described below, it is obvious that the drawings in the following description are only some embodiments of the present invention, and other drawings can be obtained by those skilled in the art without creative efforts. In the drawings:
fig. 1 is a flowchart of a method for processing accumulation fund information according to an embodiment of the present invention;
FIG. 2 is a diagram of an accumulation fund information processing apparatus according to an embodiment of the present invention;
FIG. 3 is a schematic diagram of another accumulation fund information processing apparatus according to an embodiment of the present disclosure;
FIG. 4 is a diagram of another accumulation fund information processing apparatus according to an embodiment of the present invention;
fig. 5 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.
According to the technical scheme, the data acquisition, storage, use, processing and the like meet relevant regulations of national laws and regulations.
The term "and/or" herein merely describes an associative relationship, meaning that three relationships may exist, e.g., a and/or B, may mean: a exists alone, A and B exist simultaneously, and B exists alone. In addition, the term "at least one" herein means any one of a plurality or any combination of at least two of a plurality, for example, including at least one of A, B, C, and may mean including any one or more elements selected from the group consisting of A, B and C.
In the description of the present specification, the terms "comprising," "including," "having," "containing," and the like are used in an open-ended fashion, i.e., to mean including, but not limited to. Reference to the description of the terms "one embodiment," "a particular embodiment," "some embodiments," "for example," etc., means that a particular feature, structure, or characteristic described in connection with the embodiment or example is included in at least one embodiment or example of the application. In this specification, the schematic representations of the terms used above do not necessarily refer to the same embodiment or example. Furthermore, the particular features, structures, or characteristics described may be combined in any suitable manner in any one or more embodiments or examples. The sequence of steps involved in the various embodiments is provided to illustrate the practice of the present application, and the sequence of steps is not limited thereto and can be adjusted as needed.
Research shows that the existing extraction of the public accumulation fund can only be performed offline, and a user needs to carry corresponding certification materials to a bank outlet for extraction. When the user can not arrive at the site in person, the user can not extract the public deposit in time, the public deposit extraction efficiency is low, the extraction mode is not flexible enough, and the user experience is not good.
In view of the above research, an embodiment of the present invention provides a method for processing accumulation fund information, as shown in fig. 1, including:
s101: receiving a public accumulation fund extraction reservation request submitted by a user through a 5G message; the public deposit fund extraction reservation request comprises an identity identification of the user, identity card information of the user, a public deposit fund account number, an extraction amount, a mobile phone number of a user for extraction, and identity card information of the user for extraction;
s102: after the user identity is verified according to the identity identification of the user and the identity card information of the user, generating accumulation fund extraction information according to the identity identification of the user and the extraction amount;
s103: sending the public accumulation fund extraction information to the generation extraction user by using a 5G message according to the mobile phone number of the generation extraction user;
s104: receiving feedback of the generation extraction user according to the accumulation fund extraction information: after agreeing to the generation-extracted 5G message, sending a verification code to the generation-extracted user by using the 5G message;
s105: when receiving a public deposit collection request uploaded by a collection user at a banking outlet terminal, sending a verification information acquisition request to the banking outlet terminal;
s106: receiving verification information sent by the banking outlet terminal, wherein the verification information comprises the identity card information and a verification code uploaded by the generation extraction user;
s107: and when the identity card information uploaded by the generation extraction user is determined to be consistent with the identity card information of the generation extraction user submitted by the user, and the verification code uploaded by the generation extraction user is determined to be consistent with the verification code sent to the generation extraction user through a 5G message, allowing the generation extraction user to extract the extraction amount from the accumulation account corresponding to the accumulation account number.
In the embodiment of the invention, a request for extracting the reservation of the accumulation fund submitted by a user through a 5G message is received; the public deposit fund extraction reservation request comprises an identity identification of the user, identity card information of the user, a public deposit fund account number, an extraction amount, a mobile phone number of a user for extraction, and identity card information of the user for extraction; after the user identity is verified according to the identity of the user and the identity card information of the user, generating the public accumulation fund extraction information according to the identity of the user and the extraction amount; sending the public accumulation fund extraction information to the generation extraction user by using a 5G message according to the mobile phone number of the generation extraction user; receiving feedback of the generation extraction user according to the accumulation fund extraction information: after agreeing to the generation extraction of the 5G message, sending a verification code to the generation extraction user by using the 5G message; when receiving a public deposit collection request uploaded by a collection user at a bank outlet terminal, sending a verification information acquisition request to the bank outlet terminal; receiving verification information sent by the banking outlet terminal, wherein the verification information comprises the identity card information and a verification code uploaded by the generation extraction user; and when the identity card information uploaded by the generation extraction user is determined to be consistent with the identity card information of the generation extraction user submitted by the user, and the verification code uploaded by the generation extraction user is determined to be consistent with the verification code sent to the generation extraction user through a 5G message, allowing the generation extraction user to extract the extraction amount from the accumulation account corresponding to the accumulation account number. Therefore, when the user cannot reach the bank outlet, the user can safely and efficiently extract the public deposit through the generation extraction, the flexibility of the extraction of the public deposit is improved, the extraction efficiency of the public deposit is improved, and the user experience is improved.
The method for processing the accumulation fund information will be described in detail below.
For the above S101, if the user himself cannot go to the bank website to extract the public deposit, for example, a public deposit extraction reservation request may be submitted through a 5G message, where the public deposit extraction reservation request includes, for example, an identity of the user, identity card information of the user, a public deposit account number, an extraction amount, a mobile phone number of the user to be extracted, and identity card information of the user to be extracted.
In this way, the user can be drawn into the banking outlet by the submitted generation to draw the accumulation fund on behalf of the user.
Illustratively, the user a cannot go to a bank website to extract the public deposit in person, and wants to delegate the user B to help the bank website to extract the public deposit for a generation, the user a may submit a public deposit extraction reservation request through a 5G message, where the public deposit extraction reservation request includes, for example, an identification of the user a, identity card information of the user a, a public deposit account number of the user a, an extraction amount that the user a wants to extract, a mobile phone number of the generation extraction user B, and identity card information of the generation extraction user B.
As for the above S102, the performing identity verification on the user identity verification according to the identity identifier of the user and the identity card information of the user specifically includes, for example: and determining the reserved identity card information of the user according to the identity of the user, determining whether the reserved identity card information is consistent with the identity card information of the user uploaded in the public deposit fund extraction reservation request of the user, if so, passing the identity verification of the user, and if not, prompting the user to upload the identity card information again.
In addition, the jackpot extraction information generated according to the user identifier and the extraction amount includes, for example, the user identifier and the extraction amount, and after the jackpot extraction information is generated, the above S103 is executed: and sending the public accumulation fund extraction information to the generation extraction user by using a 5G message according to the mobile phone number of the generation extraction user.
The accumulation fund extraction information is used for prompting the generation extraction user to: the user wants to have his help to withdraw a credit of the withdrawal amount.
For the above S104, receiving feedback from the generation extraction user according to the accumulation fund extraction information: after the 5G information extracted by the generation is agreed, the generation-extracted user agrees to help the user extract the public accumulation fund, in order to ensure the safety of the extraction of the public accumulation fund, the verification code is sent to the generation-extracted user, so that when the subsequent generation-extracted user extracts the public accumulation fund from a bank website terminal, the verification code held by the generation-extracted user is used for verifying the identity of the generation-extracted user, the public accumulation fund is prevented from being stolen by other people, and the safety of the extraction of the public accumulation fund is ensured.
In addition, in an embodiment of the present invention, in the generation extraction, the user extracts information feedback according to the accumulation fund: and when the generation-extracted 5G information is not approved, the user is informed to select a new generation-extracted user and resubmit the accumulation fund extraction reservation request by using the 5G information according to the identity of the user.
In the step S105, the request for extracting the public deposit is to upload the user to the banking site for assisting the user in extracting the public deposit, and when the request for extracting the public deposit is received, the request for acquiring the verification information is sent to the banking site terminal.
For the above S106 to S107, the verification information includes, for example, the identification card information and the verification code uploaded by the generation extraction user, and the identification of the generation extraction user is verified according to the identification card information and the verification code uploaded by the generation extraction user.
Specifically, when the identity card information uploaded by the generation extraction user is verified to be consistent with the identity card information of the generation extraction user submitted by the user and the verification code uploaded by the generation extraction user is consistent with the verification code sent to the generation extraction user through a 5G message, the generation extraction user is allowed to extract the extraction amount from the accumulation account corresponding to the accumulation account number.
In another embodiment of the present invention, when the identification card information uploaded by the generation-extracting user is inconsistent with the identification card information of the generation-extracting user submitted by the user, or the verification code uploaded by the generation-extracting user is inconsistent with the verification code sent to the generation-extracting user through a 5G message, the generation-extracting user is not allowed to extract the extraction amount from the public accumulation fund account corresponding to the public accumulation fund account, and a prompt message indicating that the public accumulation fund has a risk of being stolen is sent to the user by using the 5G message.
In addition, in an embodiment of the present invention, the verification information further includes, for example: the generation collected by the bank outlet terminal extracts the first face information of the user; for the above S107, when it is determined that the identification card information uploaded by the generation extracting user is consistent with the identification card information of the generation extracting user submitted by the user, and the verification code uploaded by the generation extracting user is consistent with the verification code sent to the generation extracting user through the 5G message, allowing the generation extracting user to extract the extraction amount from the backlog account corresponding to the backlog account, for example, the method further includes: extracting second face information of the generation extraction user from the identification card information of the generation extraction user submitted by the user; and when the similarity between the first face information and the second face information is greater than the preset similarity, the identity card information uploaded by the generation extraction user is consistent with the identity card information of the generation extraction user submitted by the user, and the verification code uploaded by the generation extraction user is consistent with the verification code sent to the generation extraction user through a 5G message, allowing the generation extraction user to extract the extraction amount from the accumulation account corresponding to the accumulation account number.
In addition, in an embodiment of the present invention, in order to further improve the safety and convenience of the accumulation fund extraction, the accumulation fund extraction reservation request further carries: extracting time information; the accumulation fund generation extraction request comprises the submission time of the accumulation fund generation extraction request; for the above S102, generating the point fund extraction information according to the identity and the extraction amount of the user, for example, the method includes: generating the public accumulation fund extraction information according to the identity of the user, the extraction amount and the extraction time information; as for the above S105, when receiving the request for extracting the accumulation fund uploaded by the generation extracting user at the banking outlet terminal, sending a verification information obtaining request to the banking outlet terminal, for example, the verification information obtaining request includes: and receiving a public deposit fund generation extraction request uploaded by the generation extraction user at the bank outlet terminal, and sending a verification information acquisition request to the bank outlet terminal when the submission moment of the public deposit fund extraction request is determined to be within the time range corresponding to the extraction time information.
Here, the extraction time information may correspond to a time range, for example, may be specifically set to a fixed time period of a certain day.
In another embodiment of the present invention, when it is determined that the submission time of the accumulation fund generation extraction request is not within the time range corresponding to the extraction time information, the generation extraction user is prompted to confirm the extraction time information from the accumulation fund extraction information, and the accumulation fund generation extraction request is submitted within the time range corresponding to the extraction time information.
In addition, in order to further improve the controllability of the user on the process of extracting the accumulation fund, in an embodiment of the present invention, after receiving the verification information sent by the banking node terminal (that is, after the step S106), for example, the method further includes: according to the identity of the user, sending a public deposit fund extraction monitoring link to the user by using the 5G message, so that the user can execute at least one of the following processes according to the public deposit fund extraction monitoring link:
the method comprises the following steps: acquiring video information of the generation extraction user generation extraction accumulation fund site, and II: and submitting an instruction for stopping fetching the accumulation fund.
Therefore, the user can check the generation extraction process of the public accumulation fund in real time through the public accumulation fund extraction monitoring link, and control the generation extraction process of the public accumulation fund in real time, so that the safety of the public accumulation fund extraction process is ensured.
In addition, in another embodiment of the present invention, after the generation extracting user extracts the extraction amount from the jackpot account corresponding to the jackpot account, the method further includes: generating the public deposit extraction result information according to the identity card information, the public deposit account number and the extraction amount uploaded by the generation extraction user; and sending the information of the accumulation fund extraction result to the user by using a 5G message.
Therefore, the user can be helped to timely know the generation extraction result of the accumulation fund, and the user experience is improved.
The embodiment of the invention also provides a device for processing the accumulation fund information, which is described in the following embodiment. Because the principle of the device for solving the problems is similar to the method for processing the accumulation fund information, the implementation of the device can refer to the implementation of the method for processing the accumulation fund information, and repeated parts are not described again.
As shown in fig. 2, a schematic diagram of an accumulation fund information processing apparatus according to an embodiment of the present invention includes:
a first receiving module 201, configured to receive a request for requesting a user to extract a reservation from a public deposit submitted by a user through a 5G message; the public deposit fund extraction reservation request comprises an identity identification of the user, identity card information of the user, a public deposit fund account number, an extraction amount, a mobile phone number of a user for extraction, and identity card information of the user for extraction;
the first processing module 202 is configured to generate the credit extraction information according to the identity of the user and the extraction amount after the user identity is verified according to the identity of the user and the identity card information of the user;
the sending module 203 is configured to send the accumulation fund extraction information to the generation extraction user by using a 5G message according to the mobile phone number of the generation extraction user;
a second processing module 204, configured to receive feedback of the information extracted by the generation extraction user according to the accumulation fund: after agreeing to the generation extraction of the 5G message, sending a verification code to the generation extraction user by using the 5G message;
a third processing module 205, configured to send a verification information obtaining request to a banking outlet terminal when receiving a request for extracting a deposit from a public deposit uploaded by a banking outlet terminal by a user who extracts the deposit;
a second receiving module 206, configured to receive verification information sent by the terminal of the bank branch, where the verification information includes the identification card information and a verification code uploaded by the agent extraction user;
the third processing module 207 is configured to allow the generation-extracting user to extract the extraction amount from the backlog account corresponding to the backlog account number when it is determined that the identification card information uploaded by the generation-extracting user is consistent with the identification card information of the generation-extracting user submitted by the user and the verification code uploaded by the generation-extracting user is consistent with the verification code sent to the generation-extracting user through a 5G message.
In a possible implementation manner, the request for extracting the reserve fund further carries: extracting time information; the accumulation fund generation extraction request comprises the submission time of the accumulation fund generation extraction request; the first processing module 202 is specifically configured to generate the point fund extraction information according to the identity of the user, the extraction amount, and the extraction time information; the third processing module 207 is specifically configured to receive a request for extracting the accumulation fund from the terminal of the banking outlet uploaded by the generation extracting user, and send an authentication information acquisition request to the terminal of the banking outlet when it is determined that the submission time of the request for extracting the accumulation fund is within the time range corresponding to the extraction time information.
In a possible implementation manner, the verification information further includes: the generation collected by the bank outlet terminal extracts the first face information of the user; the third processing module 207 is specifically configured to extract second face information of the generation-extracted user from the identification card information of the generation-extracted user submitted by the user; and when the similarity between the first face information and the second face information is greater than the preset similarity, the identity card information uploaded by the generation extraction user is consistent with the identity card information of the generation extraction user submitted by the user, and the verification code uploaded by the generation extraction user is consistent with the verification code sent to the generation extraction user through a 5G message, allowing the generation extraction user to extract the extraction amount from the accumulation account corresponding to the accumulation account number.
In addition, as shown in fig. 3, which is a schematic diagram of another accumulation fund information processing apparatus according to an embodiment of the present invention, the accumulation fund information processing apparatus further includes: a fourth processing module 208, configured to send, according to the identity of the user, a public deposit withdrawal monitoring link to the user by using the 5G message, so that the user can perform, according to the public deposit withdrawal monitoring link, at least one of the following processes: and acquiring video information of the accumulation fund extraction site of the generation extraction user, and submitting an accumulation fund extraction termination instruction.
In addition, as shown in fig. 4, a schematic diagram of another accumulation fund information processing apparatus according to an embodiment of the present invention is shown, where the accumulation fund information processing apparatus further includes: a fifth processing module 209, configured to generate the point fund extraction result information according to the identification card information, the point fund account number, and the extraction amount uploaded by the user; and sending the information of the accumulation fund extraction result to the user by using a 5G message.
Based on the aforementioned inventive concept, as shown in fig. 5, the present invention further provides a computer device 500, which includes a memory 510, a processor 520, and a computer program 530 stored in the memory 510 and capable of running on the processor 520, wherein the processor 520 implements the aforementioned accumulation fund information processing method when executing the computer program 530.
The embodiment of the invention also provides a computer readable storage medium, wherein a computer program is stored in the computer readable storage medium, and when the computer program is executed by a processor, the method for processing the accumulation fund information is realized.
An embodiment of the present invention further provides a computer program product, where the computer program product includes a computer program, and when the computer program is executed by a processor, the method for processing the accumulation fund information is implemented.
In the embodiment of the invention, a request for extracting the reservation of the accumulation fund submitted by a user through a 5G message is received; the public deposit fund extraction reservation request comprises an identity identification of the user, identity card information of the user, a public deposit fund account number, an extraction amount, a mobile phone number of a user for extraction, and identity card information of the user for extraction; after the user identity is verified according to the identity of the user and the identity card information of the user, generating the public accumulation fund extraction information according to the identity of the user and the extraction amount; sending the public accumulation fund extraction information to the generation extraction user by using a 5G message according to the mobile phone number of the generation extraction user; receiving feedback of the generation extraction user according to the accumulation fund extraction information: after agreeing to the generation extraction of the 5G message, sending a verification code to the generation extraction user by using the 5G message; when receiving a public deposit collection request uploaded by a collection user at a bank outlet terminal, sending a verification information acquisition request to the bank outlet terminal; receiving verification information sent by the banking outlet terminal, wherein the verification information comprises the identity card information and a verification code uploaded by the generation extraction user; and when the identity card information uploaded by the generation extraction user is determined to be consistent with the identity card information of the generation extraction user submitted by the user, and the verification code uploaded by the generation extraction user is determined to be consistent with the verification code sent to the generation extraction user through a 5G message, allowing the generation extraction user to extract the extraction amount from the accumulation account corresponding to the accumulation account number. Therefore, when the user cannot reach the bank outlet, the user can safely and efficiently extract the public deposit through the generation extraction, the flexibility of the extraction of the public deposit is improved, the extraction efficiency of the public deposit is improved, and the user experience is improved.
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. A method for processing accumulation fund information is characterized by comprising the following steps:
receiving a public accumulation fund extraction reservation request submitted by a user through a 5G message; the public deposit fund extraction reservation request comprises an identity identification of the user, identity card information of the user, a public deposit fund account number, an extraction amount, a mobile phone number of the user for extraction and identity card information of the user for extraction;
after the user identity is verified according to the identity of the user and the identity card information of the user, generating the public accumulation fund extraction information according to the identity of the user and the extraction amount;
sending the public accumulation fund extraction information to the generation extraction user by using a 5G message according to the mobile phone number of the generation extraction user;
receiving feedback of the extraction information of the generation extraction user according to the accumulation fund: after agreeing to the generation extraction of the 5G message, sending a verification code to the generation extraction user by using the 5G message;
when receiving a public deposit collection request uploaded by a collection user at a banking outlet terminal, sending a verification information acquisition request to the banking outlet terminal;
receiving verification information sent by the banking outlet terminal, wherein the verification information comprises the identity card information and a verification code uploaded by the generation extraction user;
and when the identity card information uploaded by the generation extraction user is determined to be consistent with the identity card information of the generation extraction user submitted by the user and the verification code uploaded by the generation extraction user is determined to be consistent with the verification code sent to the generation extraction user through a 5G message, allowing the generation extraction user to extract the extraction amount from the accumulation account corresponding to the accumulation account number.
2. The method according to claim 1, wherein the request for the extraction of the public deposit further comprises: extracting time information; the accumulation fund generation extraction request comprises the submission time of the accumulation fund generation extraction request;
generating the public deposit fund extraction information according to the identity and the extraction amount of the user, comprising the following steps:
generating the public accumulation fund extraction information according to the identity of the user, the extraction amount and the extraction time information;
when receiving a public deposit withdrawal request uploaded by a withdrawal user at a banking outlet terminal, sending a verification information acquisition request to the banking outlet terminal, wherein the verification information acquisition request comprises:
and receiving a public deposit fund generation extraction request uploaded by the generation extraction user at the banking outlet terminal, and sending a verification information acquisition request to the banking outlet terminal when the submission moment of the public deposit fund generation extraction request is determined to be within the time range corresponding to the extraction time information.
3. The method of claim 1, wherein the verification information further comprises: the generation collected by the bank outlet terminal extracts the first face information of the user;
when it is determined that the identification card information uploaded by the generation extraction user is consistent with the identification card information of the generation extraction user submitted by the user and the verification code uploaded by the generation extraction user is consistent with the verification code sent to the generation extraction user through a 5G message, allowing the generation extraction user to extract the extraction amount from the accumulation account corresponding to the accumulation account number, the method comprises the following steps:
extracting second face information of the generation extraction user from the identification card information of the generation extraction user submitted by the user;
and when the similarity between the first face information and the second face information is greater than the preset similarity, the identity card information uploaded by the generation extraction user is consistent with the identity card information of the generation extraction user submitted by the user, and the verification code uploaded by the generation extraction user is consistent with the verification code sent to the generation extraction user through a 5G message, allowing the generation extraction user to extract the extraction amount from the accumulation account corresponding to the accumulation account number.
4. The method for processing the accumulation fund information as claimed in claim 1, wherein after receiving the verification information sent by the terminal of the bank branch, the method further comprises:
according to the identity of the user, sending a public deposit fund extraction monitoring link to the user by using the 5G message, so that the user can execute at least one of the following processes according to the public deposit fund extraction monitoring link:
and acquiring video information of the accumulation fund extraction site of the generation extraction user, and submitting an accumulation fund extraction termination instruction.
5. The method for processing the public accumulation fund information according to claim 1, wherein after the generation extracting user extracts the extraction amount from the public accumulation fund account corresponding to the public accumulation fund account, the method further comprises:
generating the public deposit extraction result information according to the identity card information, the public deposit account number and the extraction amount uploaded by the generation extraction user;
and sending the information of the accumulation fund extraction result to the user by using a 5G message.
6. An accumulation fund information processing device, comprising:
the first receiving module is used for receiving a public accumulation fund extraction reservation request submitted by a user through a 5G message; the public deposit fund extraction reservation request comprises an identity identification of the user, identity card information of the user, a public deposit fund account number, an extraction amount, a mobile phone number of a user for extraction, and identity card information of the user for extraction;
the first processing module is used for generating the public fund extraction information according to the identity identification and the extraction amount of the user after the identity authentication of the user is passed according to the identity identification and the extraction amount of the user;
the sending module is used for sending the accumulation fund extraction information to the generation extraction user by using a 5G message according to the mobile phone number of the generation extraction user;
a second processing module, configured to receive feedback of the information extracted by the generation extraction user according to the accumulation fund: after agreeing to the generation extraction of the 5G message, sending a verification code to the generation extraction user by using the 5G message;
the third processing module is used for sending a verification information acquisition request to the banking outlet terminal when receiving a public deposit collection request uploaded by a bank outlet terminal by a collection user;
the second receiving module is used for receiving verification information sent by the bank branch terminal, wherein the verification information comprises the identity card information and a verification code uploaded by the generation extraction user;
and the third processing module is used for allowing the generation extraction user to extract the extraction amount from the accumulation account corresponding to the accumulation account number when the identity card information uploaded by the generation extraction user is determined to be consistent with the identity card information of the generation extraction user submitted by the user and the verification code uploaded by the generation extraction user is determined to be consistent with the verification code sent to the generation extraction user through a 5G message.
7. The accumulation fund information processing apparatus according to claim 6, wherein the accumulation fund extraction reservation request further carries: extracting time information; the accumulation fund generation extraction request comprises the submission time of the accumulation fund generation extraction request;
the first processing module is specifically used for generating the public deposit extraction information according to the identity of the user, the extraction amount and the extraction time information;
and the third processing module is specifically used for receiving a public accumulation fund generation extraction request uploaded by the generation extraction user at the banking outlet terminal, and sending a verification information acquisition request to the banking outlet terminal when the submission time of the public accumulation fund generation extraction request is determined to be within the time range corresponding to the extraction time information.
8. The accumulation fund information processing device according to claim 6, wherein the verification information further comprises: the generation collected by the bank outlet terminal extracts the first face information of the user;
the third processing module is specifically used for extracting second face information of the generation-extracted user from the identification card information of the generation-extracted user submitted by the user; and when the similarity between the first face information and the second face information is greater than the preset similarity, the identity card information uploaded by the generation extraction user is consistent with the identity card information of the generation extraction user submitted by the user, and the verification code uploaded by the generation extraction user is consistent with the verification code sent to the generation extraction user through a 5G message, allowing the generation extraction user to extract the extraction amount from the accumulation account corresponding to the accumulation account number.
9. The accumulation fund information processing apparatus according to claim 6, further comprising: a fourth processing module, configured to send, according to the identity of the user, a public deposit fund extraction monitoring link to the user by using the 5G message, so that the user can execute at least one of the following processes according to the public deposit fund extraction monitoring link:
and acquiring video information of the accumulation fund extraction site of the generation extraction user, and submitting an accumulation fund extraction termination instruction.
10. 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 of any one of claims 1 to 5 when executing the computer program.
11. A computer-readable storage medium, characterized in that the computer-readable storage medium stores a computer program which, when executed by a processor, implements the method of any of claims 1 to 5.
12. A computer program product, characterized in that the computer program product comprises a computer program which, when being executed by a processor, carries out the method of any one of claims 1 to 5.
CN202210616410.3A 2022-06-01 2022-06-01 Accumulation fund information processing method and device Pending CN114943623A (en)

Priority Applications (1)

Application Number Priority Date Filing Date Title
CN202210616410.3A CN114943623A (en) 2022-06-01 2022-06-01 Accumulation fund information processing method and device

Applications Claiming Priority (1)

Application Number Priority Date Filing Date Title
CN202210616410.3A CN114943623A (en) 2022-06-01 2022-06-01 Accumulation fund information processing method and device

Publications (1)

Publication Number Publication Date
CN114943623A true CN114943623A (en) 2022-08-26

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Country Link
CN (1) CN114943623A (en)

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