CN115100787A - Withdrawal method, withdrawal device, electronic device and computer storage medium - Google Patents
Withdrawal method, withdrawal device, electronic device and computer storage medium Download PDFInfo
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- G—PHYSICS
- G07—CHECKING-DEVICES
- G07F—COIN-FREED OR LIKE APPARATUS
- G07F19/00—Complete banking systems; Coded card-freed arrangements adapted for dispensing or receiving monies or the like and posting such transactions to existing accounts, e.g. automatic teller machines
- G07F19/20—Automatic teller machines [ATMs]
- G07F19/203—Dispensing operations within ATMs
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06V—IMAGE OR VIDEO RECOGNITION OR UNDERSTANDING
- G06V40/00—Recognition of biometric, human-related or animal-related patterns in image or video data
- G06V40/10—Human or animal bodies, e.g. vehicle occupants or pedestrians; Body parts, e.g. hands
- G06V40/12—Fingerprints or palmprints
- G06V40/1365—Matching; Classification
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06V—IMAGE OR VIDEO RECOGNITION OR UNDERSTANDING
- G06V40/00—Recognition of biometric, human-related or animal-related patterns in image or video data
- G06V40/10—Human or animal bodies, e.g. vehicle occupants or pedestrians; Body parts, e.g. hands
- G06V40/16—Human faces, e.g. facial parts, sketches or expressions
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Abstract
The application provides a withdrawal method, a withdrawal device, electronic equipment and a computer storage medium, which can be applied to the financial field or other fields, wherein the withdrawal method comprises the following steps: firstly, when receiving a withdrawal request of a user, carrying out identity recognition on the user; if the user passes the identity recognition, reminding the user to input a withdrawal amount; receiving a withdrawal amount input by a user; then, judging whether the withdrawal amount is in compliance according to a preset user use authority; and finally, if the withdrawal amount is judged to be in compliance, the withdrawal is carried out. The use experience of the user is effectively improved.
Description
Technical Field
The present application relates to the field of computer technologies, and in particular, to a withdrawal method, an apparatus, an electronic device, and a computer storage medium.
Background
At present, bank cards become an important part of people in daily life, but the card management of daily people is not professional enough, and the safety cannot be guaranteed sufficiently.
Moreover, many times, the conventional bank card is difficult to satisfy the current social needs, such as requiring a plurality of people to store some funds together or wanting others to help some cash. The functions based on the prior bank card are difficult to satisfy.
Disclosure of Invention
In view of this, the present application provides a withdrawal method, a withdrawal device, an electronic device, and a computer storage medium, which effectively improve the user experience.
A first aspect of the present application provides a method of withdrawing money, comprising:
receiving a withdrawal request of a user, and identifying the user;
if the user passes the identity recognition, reminding the user to input the withdrawal amount;
receiving a withdrawal amount input by a user;
judging whether the withdrawal amount is in compliance according to a preset user use authority;
and if the withdrawal amount is judged to be in compliance, carrying out withdrawal.
Optionally, the receiving a withdrawal request of a user, and performing identity recognition on the user include:
receiving a withdrawal request of a user;
displaying a withdrawal interface to a user;
receiving a card number and an identification number of a bank card input by a user;
judging whether the identification card number has the use authority to the bank card;
if the identification card number has the use authority to the bank card, the identity of the user is identified; the identity recognition comprises face recognition and fingerprint recognition.
Optionally, the receiving a withdrawal request of a user, and performing identity recognition on the user include:
receiving a withdrawal request of a user;
collecting face information of the user;
determining bank card information corresponding to the face information, and displaying the bank card information to the user;
and receiving a bank card confirmation instruction of the user, and confirming that the user passes identity recognition.
Optionally, the preset user usage right includes a maximum amount of money that is drawn once when the user uses the bank card, a total amount of money that is drawn when the user uses the bank card, a withdrawal interval time when the user uses the bank card, and a total withdrawal frequency when the user uses the bank card, and determining whether the withdrawal amount is in compliance according to the preset user usage right includes:
judging whether the withdrawal amount is smaller than the maximum amount withdrawn by the user at a single time when the user uses the bank card;
if the withdrawal amount is smaller than the maximum amount withdrawn for a single time when the user uses the bank card, judging whether the sum of the withdrawal amount and all historical withdrawal amounts is smaller than the total amount withdrawn when the user uses the bank card;
if the sum of the withdrawal amount and all historical withdrawal amounts is smaller than the total amount withdrawn by the user when the user uses the bank card, judging whether the time difference between the user and the last withdrawal is larger than the withdrawal interval time when the user uses the bank card;
if the time difference between the user and the last withdrawal is judged to be larger than the withdrawal interval time when the user uses the bank card, whether the user has the withdrawal times or not is determined according to the total withdrawal times when the user uses the bank card;
and if the user has the withdrawal times, confirming that the withdrawal amount is in compliance.
Optionally, the withdrawal method further includes:
receiving an instruction of a card master user for modifying a preset user use authority; the instruction for modifying the preset user use permission comprises a target user needing to be modified and the target use permission of the target user;
and modifying the use permission of the target user into the target use permission of the target user.
A second aspect of the present application provides a withdrawal apparatus comprising:
the identity recognition unit is used for receiving a withdrawal request of a user and carrying out identity recognition on the user;
the reminding unit is used for reminding the user of inputting the withdrawal amount if the user passes the identity identification;
the first receiving unit is used for receiving the withdrawal amount input by a user;
the first judgment unit is used for judging whether the withdrawal amount is in compliance according to the preset user use authority;
and the money dispensing unit is used for dispensing money if the first judgment unit judges that the withdrawal amount is in compliance.
Optionally, the identity recognizing unit includes:
the second receiving unit is used for receiving a withdrawal request of a user;
the display unit is used for displaying a withdrawal interface to a user;
the third receiving unit is used for receiving the card number and the identification number of the bank card input by the user;
the second judgment unit is used for judging whether the identity card number has the use authority to the bank card;
the identity recognition subunit is used for recognizing the identity of the user if the second judgment unit judges that the identity card number has the use authority for the bank card; the identity recognition comprises face recognition and fingerprint recognition.
Optionally, the identity recognizing unit includes:
the fourth receiving unit is used for receiving a withdrawal request of a user;
the acquisition unit is used for acquiring the face information of the user;
the first determining unit is used for determining bank card information corresponding to the face information and displaying the bank card information to the user;
and the second determining unit is used for receiving a bank card confirmation instruction of the user and confirming that the user passes identity identification.
Optionally, the preset user usage right includes a maximum amount of money that is drawn once when the user uses the bank card, a total amount of money that is drawn when the user uses the bank card, a withdrawal interval time when the user uses the bank card, and a total withdrawal frequency when the user uses the bank card, and the first determining unit includes:
the first withdrawal amount judgment unit is used for judging whether the withdrawal amount is smaller than the maximum amount withdrawn by the user at a single time when the user uses the bank card;
a second withdrawal amount judgment unit, configured to judge whether a sum of the withdrawal amount and all historical withdrawal amounts is smaller than a total amount withdrawn by the user when the user uses the bank card, if the withdrawal amount is judged by the first withdrawal amount judgment unit to be smaller than a maximum amount withdrawn by the user at a single time when the user uses the bank card;
a withdrawal interval time judgment unit, configured to, if the sum of the withdrawal amount and all historical withdrawal amounts is smaller than a total amount withdrawn by the user when using the bank card, judge whether a time difference between the user and the last withdrawal is greater than a withdrawal interval time when the user uses the bank card;
a total withdrawal time judgment unit, configured to determine whether the user has a withdrawal time according to the total withdrawal time when the user uses the bank card if the withdrawal time judgment unit judges that the time difference between the user and the last withdrawal is greater than the withdrawal time interval when the user uses the bank card;
and the confirming unit is used for confirming the withdrawal amount compliance if the user has the withdrawal times.
Optionally, the withdrawal apparatus further includes:
the fifth receiving unit is used for receiving an instruction of the card master user for modifying the preset user use permission; the instruction for modifying the preset user use permission comprises a target user needing to be modified and the target use permission of the target user;
and the modification unit is used for modifying the use permission of the target user into the target use permission of the target user.
A third aspect of the present application provides an electronic device comprising:
one or more processors;
a storage device having one or more programs stored thereon;
the one or more programs, when executed by the one or more processors, cause the one or more processors to implement a method of withdrawing money as in any one of the first aspects.
A fourth aspect of the present application provides a computer storage medium having a computer program stored thereon, wherein the computer program, when executed by a processor, implements a method of withdrawal as recited in any of the first aspects.
In view of the above, the present application provides a withdrawal method, a withdrawal apparatus, an electronic device, and a computer storage medium, where the withdrawal method includes: firstly, when receiving a withdrawal request of a user, carrying out identity recognition on the user; if the user passes the identity recognition, reminding the user to input the withdrawal amount; receiving a withdrawal amount input by a user; then, judging whether the withdrawal amount is in compliance according to a preset user use authority; and finally, if the withdrawal amount is judged to be in compliance, withdrawing. The use experience of the user is effectively improved.
Drawings
In order to more clearly illustrate the embodiments of the present application or the technical solutions in the prior art, the drawings needed to be used in the description of the embodiments or the prior art will be briefly introduced below, it is obvious that the drawings in the following description are only embodiments of the present application, 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 illustrating a withdrawal method according to an embodiment of the present disclosure;
fig. 2 is a flowchart of an identity recognition method according to another embodiment of the present application;
fig. 3 is a flowchart of an identification method according to another embodiment of the present application;
FIG. 4 is a flow chart of a manner of determining compliance of a withdrawal amount according to another embodiment of the present application;
FIG. 5 is a flowchart of a manner of modifying a preset instruction of user usage right according to another embodiment of the present application;
fig. 6 is a schematic diagram of a cash dispensing device according to another embodiment of the present disclosure;
fig. 7 is a schematic view of an electronic device implementing a withdrawal method according to another embodiment of the present application.
Detailed Description
The technical solutions in the embodiments of the present application will be clearly and completely described below with reference to the drawings in the embodiments of the present application, and it is obvious that the described embodiments are only a part of the embodiments of the present application, 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 application.
It should be noted that the terms "first", "second", and the like, referred to in this application, are only used for distinguishing different devices, modules or units, and are not used for limiting the order or interdependence of functions performed by these devices, modules or units, but the terms "include", or any other variation thereof are intended to cover a non-exclusive inclusion, so that a process, method, article, or apparatus that includes a series of elements includes not only those elements but also other elements that are not explicitly listed, or includes elements 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.
An embodiment of the present application provides a withdrawal method, as shown in fig. 1, specifically including:
s101, receiving a withdrawal request of a user, and identifying the user.
The user may click a withdrawal button on an APPlication program (APP) of a mobile banking Machine (APP) to trigger a withdrawal request, or click a withdrawal button on an ATM to trigger a withdrawal request when using an ATM (Automated Teller Machine), which is not limited herein.
Optionally, in another embodiment of the present application, an implementation manner of step S101, as shown in fig. 2, includes:
s201, receiving a withdrawal request of a user.
It should be noted that, for a specific implementation of step S201, refer to step S101, and details are not described here.
And S202, displaying a withdrawal interface to a user.
Continuing to the above example, if the user uses the ATM to operate, the display area of the ATM is used to display the withdrawal interface to the user, and if the user uses the mobile banking APP to operate, the mobile banking APP is used to display the withdrawal interface to the user.
The withdrawal interface comprises two input areas, one is used for inputting the card number of the bank card, and the other is used for inputting the identification number.
S203, receiving the card number and the identification card number of the bank card input by the user.
And S204, judging whether the identity card number has the use authority to the bank card.
It should be noted that, in the specific implementation process of the application, one bank card may bind multiple identity card numbers, that is, multiple users, but only one user is a card owner user, and other users are non-card owners users, and both the card owner user and the non-card owner user have a usage right on the bank card, so that, in the specific implementation process of the application, the multiple identity card numbers bound by the bank card may be stored, when the user wants to use the bank card a, it is only necessary to match and confirm a person in the binding relationship between the bank card a and the multiple identity account numbers, whether the identity card number input by the user is in the binding relationship between the bank card a and the multiple identity account numbers, if so, it is confirmed that the identity card number has a usage right on the bank card, and if it is determined that the identity card number has a usage right on the bank card, step S205 is executed.
S205, identifying the user.
The identity recognition comprises face recognition and fingerprint recognition.
Continuing to the above example, if the user uses the ATM to operate, the camera of the ATM is used to collect the face information of the user, the fingerprint recognizer of the ATM is used to collect the fingerprint information of the user, and the fingerprint information is matched with the face information and the fingerprint information stored by the user before to identify the identity, if the face information and the fingerprint information are consistent, the identity is identified; if the user uses the mobile phone bank APP to operate, the camera of the mobile phone is used for collecting face information of the user, the fingerprint recognizer of the mobile phone is used for collecting fingerprint information of the user, the fingerprint information is matched with the face information and the fingerprint information which are stored by the user before to identify the identity, and if the face information and the fingerprint information are consistent, the identity is identified.
Optionally, in another embodiment of the present application, an implementation manner of step S101, as shown in fig. 3, includes:
s301, receiving a withdrawal request of a user.
It should be noted that, for a specific implementation of step S301, refer to step S101, which is not described herein again.
And S302, collecting face information of the user.
Continuing with the above example, if the user uses the ATM to perform the operation, the user's face information is collected by using the camera of the ATM.
And S303, determining the bank card information corresponding to the face information, and displaying the bank card information to the user.
Specifically, bank card information corresponding to the collected face information of the user is matched in the system, and the bank card information is displayed to the user.
S304, receiving a bank card confirmation instruction of the user, and confirming that the user passes identity recognition.
Continuing with the above example, if the user uses the ATM to operate, the user confirms the bank card through the display area of the ATM after confirming that the information of the bank card is correct; and if the user operates by using the mobile banking APP, after confirming that the information of the bank card is correct, the user confirms the bank card by using an operation interface of the mobile banking APP.
And S102, if the user passes the identity recognition, reminding the user to input the withdrawal amount.
Continuing with the above example, if the user uses the ATM to operate, the user is prompted to input the withdrawal amount through the display area of the ATM; and if the user uses the mobile phone bank APP for operation, the user is reminded to input the withdrawal amount by using an operation interface of the mobile phone bank APP.
And S103, receiving the withdrawal amount input by the user.
And S104, judging whether the withdrawal amount is in compliance according to the preset user use authority.
Specifically, if the withdrawal amount is judged to be in compliance, step S105 is executed.
And S105, carrying out withdrawal.
Continuing with the above example, it can be understood that the card owner user may set a specific preset user usage right of the non-card owner user to limit the non-card owner user to use the bank card. The preset user usage right includes a maximum amount of money that is drawn once when the user uses the bank card, a total amount of money that is drawn when the user uses the bank card, a withdrawal interval time when the user uses the bank card, and a total number of times of money that is drawn when the user uses the bank card, and therefore, in another embodiment of the present application, an implementation manner of step S104, as shown in fig. 4, includes:
s401, judging whether the withdrawal amount is smaller than the maximum amount withdrawn by the user at a single time when the user uses the bank card.
Specifically, if the withdrawal amount is determined to be smaller than the maximum amount of money to be withdrawn once when the user uses the bank card, step S402 is executed.
S402, judging whether the sum of the withdrawal amount and all historical withdrawal amounts is smaller than the total withdrawal amount when the user uses the bank card.
Specifically, if the sum of the withdrawal amount and the historical total withdrawal amounts is smaller than the total amount withdrawn by the user using the bank card, step S403 is executed.
S403, judging whether the time difference between the user and the last withdrawal is larger than the withdrawal interval time when the user uses the bank card.
Specifically, if it is determined that the time difference between the user and the last withdrawal is greater than the withdrawal interval time when the user uses the bank card, step S404 is executed.
S404, determining whether the user has the withdrawal times according to the total withdrawal times when the user uses the bank card.
And S405, if the user has the withdrawal times, confirming that the withdrawal amount is in compliance.
Optionally, in another embodiment of the present application, an implementation manner of the withdrawal method, as shown in fig. 5, includes:
s501, receiving an instruction of a card master user for modifying the preset user use authority.
The instruction for modifying the preset user use authority comprises a target user needing to be modified and the target use authority of the target user.
S502, modifying the use authority of the target user into the target use authority of the target user.
If the maximum sum of single withdrawal when a user in the use authority of a non-card host user A (target user) uses a bank card is modified to be 1000; the withdrawal interval time of a user in the use authority of a non-card main user B (target user) when the user uses a bank card is modified to be 7 days; the number of withdrawals in the usage right of the non-card owner user a (target user) is modified to 10, etc., which is not limited herein.
It should be noted that the card owner user can only modify the usage right, but cannot add or delete the usage right to the non-card owner user.
It can be understood that in the implementation process of the present application, the whole-process recording should be performed regardless of operations performed by the card owner user or the non-card owner user. The user who does not have the use authority can only carry out the money saving operation.
In another embodiment of the application, all non-card master users can be graded, and users reaching a certain grade can cancel some user authorities of lower grades. Moreover, the administrator identity can also be set, having the authority next to the card owner. When the authority of other users is modified, short message notification is sent to the card owner.
According to the scheme, the application provides a withdrawal method: firstly, when receiving a withdrawal request of a user, identifying the identity of the user; if the user passes the identity recognition, reminding the user to input the withdrawal amount; receiving a withdrawal amount input by a user; then, judging whether the withdrawal amount is in compliance according to the preset user use authority; finally, if the withdrawal amount is judged to be in compliance, the withdrawal is carried out. The use experience of the user is effectively improved.
The invention name provided by the invention can be used in the financial field or other fields, for example, the invention name can be used in application scenes of transfer, withdrawal and the like in the financial field. The other fields are arbitrary fields other than the financial field, for example, the field of Automatic Teller Machines (ATMs). The above description is only an example, and does not limit the application field of the name of the invention provided by the present invention.
Another embodiment of the present application provides a withdrawal apparatus, as shown in fig. 6, including:
the identity recognition unit 601 is configured to receive a withdrawal request from a user and perform identity recognition on the user.
Optionally, in another embodiment of the present application, an implementation manner of the identity recognizing unit 601 includes:
and the second receiving unit is used for receiving a withdrawal request of a user.
And the display unit is used for displaying the withdrawal interface to a user.
And the third receiving unit is used for receiving the card number and the identification number of the bank card input by the user.
And the second judgment unit is used for judging whether the identity card number has the use authority to the bank card.
And the identity recognition subunit is used for recognizing the identity of the user if the second judgment unit judges that the identity card number has the use authority for the bank card.
The identity recognition comprises face recognition and fingerprint recognition.
For a specific working process of the unit disclosed in the above embodiment of the present application, reference may be made to the content of the corresponding method embodiment, as shown in fig. 2, which is not described herein again.
Optionally, in another embodiment of the present application, an implementation manner of the identity recognizing unit 601 includes:
and the fourth receiving unit is used for receiving a withdrawal request of a user.
And the acquisition unit is used for acquiring the face information of the user.
And the first determining unit is used for determining the bank card information corresponding to the face information and displaying the bank card information to the user.
And the second determining unit is used for receiving a bank card confirmation instruction of the user and confirming that the user passes the identity recognition.
For the specific working process of the units disclosed in the above embodiments of the present application, reference may be made to the content of the corresponding method embodiment, as shown in fig. 3, which is not described herein again.
The reminding unit 602 is configured to remind the user to input the withdrawal amount if the user passes the identity recognition.
A first receiving unit 603, configured to receive a withdrawal amount input by a user.
The first determining unit 604 is configured to determine whether the withdrawal amount is compliant according to a preset user usage right.
A dispensing unit 605 configured to dispense money when the first determination unit 604 determines that the withdrawal amount is compliant.
For a specific working process of the unit disclosed in the above embodiment of the present application, reference may be made to the content of the corresponding method embodiment, as shown in fig. 1, which is not described herein again.
Optionally, in another embodiment of the present application, the preset user usage right includes a maximum amount of money that is drawn once when the user uses the bank card, a total amount of money that is drawn when the user uses the bank card, a withdrawal interval time when the user uses the bank card, and a total number of times of money that is drawn when the user uses the bank card, where an implementation manner of the first determining unit 604 includes:
and the first withdrawal amount judgment unit is used for judging whether the withdrawal amount is smaller than the maximum amount withdrawn in a single time when the user uses the bank card.
And the second withdrawal amount judgment unit is used for judging whether the sum of the withdrawal amount and all historical withdrawal amounts is less than the total withdrawal amount of the user when the user uses the bank card or not if the first withdrawal amount judgment unit judges that the withdrawal amount is less than the maximum withdrawal amount of the user when the user uses the bank card.
And the withdrawal interval time judging unit is used for judging whether the time difference between the last withdrawal of the user and the last withdrawal of the user is greater than the withdrawal interval time when the user uses the bank card or not if the sum of the withdrawal amount and all the historical withdrawal amounts is less than the total withdrawal amount when the second withdrawal amount judging unit judges that the sum of the withdrawal amount and all the historical withdrawal amounts is less than the total withdrawal amount when the user uses the bank card.
And the total withdrawal time judging unit is used for determining whether the user has the withdrawal times according to the total withdrawal times when the user uses the bank card if the withdrawal interval time judging unit judges that the time difference between the user and the last withdrawal is greater than the withdrawal interval time when the user uses the bank card.
And a confirmation unit for confirming the compliance of the withdrawal amount if the user has the withdrawal times.
For a specific working process of the unit disclosed in the above embodiment of the present application, reference may be made to the content of the corresponding method embodiment, as shown in fig. 4, which is not described herein again.
Optionally, in another embodiment of the present application, an implementation manner of a withdrawal apparatus further includes:
and the fifth receiving unit is used for receiving an instruction of the card master user for modifying the preset user use authority.
The instruction for modifying the preset user use authority comprises a target user needing to be modified and the target use authority of the target user.
And the modification unit is used for modifying the use permission of the target user into the target use permission of the target user.
For a specific working process of the unit disclosed in the above embodiment of the present application, reference may be made to the content of the corresponding method embodiment, as shown in fig. 5, which is not described herein again.
As can be seen from the above, the present application provides a withdrawal apparatus: firstly, when receiving a withdrawal request of a user, the identity recognition unit 601 performs identity recognition on the user; if the user passes the identity recognition, the reminding unit 602 reminds the user to input the withdrawal amount; the first receiving unit 603 receives a withdrawal amount input by a user; then, the first judgment unit 604 judges whether the withdrawal amount is in compliance according to the preset user usage right; finally, when first determination section 604 determines that the withdrawal amount is compliant, dispensing section 605 performs dispensing. The use experience of the user is effectively improved.
Another embodiment of the present application provides an electronic device, as shown in fig. 7, including:
one or more processors 701.
A storage 702 having one or more programs stored thereon.
The one or more programs, when executed by the one or more processors 701, cause the one or more processors 701 to implement a method of withdrawing money as described in any of the embodiments above.
Another embodiment of the present application provides a computer storage medium having a computer program stored thereon, wherein the computer program, when executed by a processor, implements a method of withdrawing money as described in any of the above embodiments.
In the above embodiments disclosed in the present application, it should be understood that the disclosed apparatus and method may be implemented in other ways. The apparatus and method embodiments described above are illustrative only, as the flowcharts and block diagrams in the figures illustrate the architecture, functionality, and operation of possible implementations of apparatus, methods and computer program products according to various embodiments of the present disclosure. In this regard, each block in the flowchart or block diagrams may represent a module, segment, or portion of code, which comprises one or more executable instructions for implementing the specified logical function(s). It should also be noted that, in some alternative implementations, the functions noted in the block may occur out of the order noted in the figures. For example, two blocks shown in succession may, in fact, be executed substantially concurrently, or the blocks may sometimes be executed in the reverse order, depending upon the functionality involved. It will also be noted that each block of the block diagrams and/or flowchart illustration, and combinations of blocks in the block diagrams and/or flowchart illustration, can be implemented by special purpose hardware-based systems which perform the specified functions or acts, or combinations of special purpose hardware and computer instructions.
In addition, functional modules in the embodiments of the present disclosure may be integrated together to form an independent part, or each module may exist separately, or two or more modules may be integrated to form an independent part. The functions, if implemented in the form of software functional modules and sold or used as a stand-alone product, may be stored in a computer readable storage medium. Based on such understanding, the technical solution of the present disclosure may be embodied in the form of a software product, which is stored in a storage medium and includes several instructions for causing a computer device (which may be a personal computer, a live broadcast device, or a network device) to execute all or part of the steps of the method according to the embodiments of the present disclosure. And the aforementioned storage medium includes: a U-disk, a removable hard disk, a Read-Only Memory (ROM), a Random Access Memory (RAM), a magnetic disk or an optical disk, and other various media capable of storing program codes.
Those skilled in the art can make or use the present application. 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 application. Thus, the present application 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 (10)
1. A method of withdrawing money, comprising:
receiving a withdrawal request of a user, and identifying the user;
if the user passes the identity recognition, reminding the user to input the withdrawal amount;
receiving a withdrawal amount input by a user;
judging whether the withdrawal amount is in compliance according to a preset user use authority;
and if the withdrawal amount is judged to be in compliance, carrying out withdrawal.
2. The method of claim 1, wherein receiving a withdrawal request from a user, identifying the user comprises:
receiving a withdrawal request of a user;
a withdrawal interface is displayed for a user;
receiving a card number and an identification card number of a bank card input by a user;
judging whether the identification card number has the use authority to the bank card;
if the identification card number has the use authority to the bank card, the identity of the user is identified; the identity recognition comprises face recognition and fingerprint recognition.
3. The method of claim 1, wherein receiving a withdrawal request from a user, identifying the user comprises:
receiving a withdrawal request of a user;
collecting face information of the user;
determining bank card information corresponding to the face information, and displaying the bank card information to the user;
and receiving a bank card confirmation instruction of the user, and confirming that the user passes identity recognition.
4. The withdrawal method according to claim 1, wherein the preset user usage right includes a maximum amount of money to be withdrawn once when the user uses the bank card, a total amount of money to be withdrawn when the user uses the bank card, a withdrawal interval time when the user uses the bank card, and a total number of times of money to be withdrawn when the user uses the bank card, and the determining whether the withdrawal amount is in compliance according to the preset user usage right includes:
judging whether the withdrawal amount is smaller than the maximum amount withdrawn for a single time when the user uses the bank card;
if the withdrawal amount is smaller than the maximum amount withdrawn by the user at a single time when the user uses the bank card, judging whether the sum of the withdrawal amount and all historical withdrawal amounts is smaller than the total amount withdrawn by the user when the user uses the bank card;
if the sum of the withdrawal amount and the historical withdrawal amounts is smaller than the total amount withdrawn by the user when the user uses the bank card, whether the time difference between the user and the last withdrawal is larger than the withdrawal interval time when the user uses the bank card is judged;
if the time difference between the user and the last withdrawal is judged to be larger than the withdrawal interval time when the user uses the bank card, whether the user has the withdrawal times or not is determined according to the total withdrawal times when the user uses the bank card;
and if the user has the withdrawal times, confirming that the withdrawal amount is in compliance.
5. The method of claim 4, further comprising:
receiving an instruction of a card master user for modifying a preset user use authority; the instruction for modifying the preset user use permission comprises a target user needing to be modified and the target use permission of the target user;
and modifying the use permission of the target user into the target use permission of the target user.
6. A cash dispenser device, comprising:
the identity recognition unit is used for receiving a withdrawal request of a user and carrying out identity recognition on the user;
the reminding unit is used for reminding the user of inputting the withdrawal amount if the user passes the identity identification;
the first receiving unit is used for receiving the withdrawal amount input by a user;
the first judgment unit is used for judging whether the withdrawal amount is in compliance according to the preset user use authority;
and the money dispensing unit is used for dispensing money if the first judgment unit judges that the withdrawal amount is in compliance.
7. The cash dispenser of claim 6, wherein the identification unit comprises:
the second receiving unit is used for receiving a withdrawal request of a user;
the display unit is used for displaying a withdrawal interface to a user;
the third receiving unit is used for receiving the card number and the identification number of the bank card input by the user;
the second judgment unit is used for judging whether the identity card number has the use authority to the bank card;
the identity recognition subunit is used for recognizing the identity of the user if the second judgment unit judges that the identity card number has the use authority for the bank card; the identity recognition comprises face recognition and fingerprint recognition.
8. The withdrawal apparatus of claim 6, wherein the identification unit comprises:
the fourth receiving unit is used for receiving a withdrawal request of a user;
the acquisition unit is used for acquiring the face information of the user;
the first determining unit is used for determining bank card information corresponding to the face information and displaying the bank card information to the user;
and the second determining unit is used for receiving a bank card confirmation instruction of the user and confirming that the user passes identity identification.
9. An electronic device, comprising:
one or more processors;
a storage device having one or more programs stored thereon;
the one or more programs, when executed by the one or more processors, cause the one or more processors to implement the method of withdrawing money as recited in any of claims 1 to 5.
10. A computer storage medium, having a computer program stored thereon, wherein the computer program, when executed by a processor, implements a method of withdrawal according to any of claims 1 to 5.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN202210687443.7A CN115100787A (en) | 2022-06-17 | 2022-06-17 | Withdrawal method, withdrawal device, electronic device and computer storage medium |
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN202210687443.7A CN115100787A (en) | 2022-06-17 | 2022-06-17 | Withdrawal method, withdrawal device, electronic device and computer storage medium |
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| CN115100787A true CN115100787A (en) | 2022-09-23 |
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| Application Number | Title | Priority Date | Filing Date |
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| CN202210687443.7A Pending CN115100787A (en) | 2022-06-17 | 2022-06-17 | Withdrawal method, withdrawal device, electronic device and computer storage medium |
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| Publication number | Priority date | Publication date | Assignee | Title |
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| CN104269000A (en) * | 2014-10-21 | 2015-01-07 | 中国建设银行股份有限公司 | Medium-free cash business processing method and system |
| CN107038584A (en) * | 2017-04-12 | 2017-08-11 | 杭州纳戒科技有限公司 | Stored value card management method and system |
| CN113963495A (en) * | 2021-11-02 | 2022-01-21 | 中国银行股份有限公司 | Withdrawal method and apparatus |
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Patent Citations (3)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN104269000A (en) * | 2014-10-21 | 2015-01-07 | 中国建设银行股份有限公司 | Medium-free cash business processing method and system |
| CN107038584A (en) * | 2017-04-12 | 2017-08-11 | 杭州纳戒科技有限公司 | Stored value card management method and system |
| CN113963495A (en) * | 2021-11-02 | 2022-01-21 | 中国银行股份有限公司 | Withdrawal method and apparatus |
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