CN116071072A

CN116071072A - Funds management method and device

Info

Publication number: CN116071072A
Application number: CN202211477241.6A
Authority: CN
Inventors: 张盛素
Original assignee: Bank of China Ltd
Current assignee: Bank of China Ltd
Priority date: 2022-11-23
Filing date: 2022-11-23
Publication date: 2023-05-05

Abstract

The invention discloses a fund management method and a fund management device, which can be used in the technical field of finance, wherein the method comprises the following steps: the fund management platform sets a first withdrawing mode and a second withdrawing mode for the target fund account, the fund management platform provides funds for the user after the verification in the first withdrawing mode is passed, and the fund management platform provides funds for the user without verification in the second withdrawing mode; automatically collecting information of an associated target user of a target fund account, and judging whether the target fund account reaches an activation condition of a second drawing mode according to the collected information; and under the condition that the activation condition of the second withdrawing mode is reached and the fund withdrawing instruction of the fund account is obtained, providing funds for the user through the second withdrawing mode. The scheme provides convenience for the user under the condition of ensuring the safety of the fund account.

Description

Funds management method and device

Technical Field

The invention can be used in the technical field of finance, and particularly relates to a fund management method and device.

Background

With the penetration of digitization, more and more people choose to deposit funds into an electronic account, either to pay bills directly with the electronic account or to provide physical currency to the user when funds are needed. To secure funds in an electronic account, the electronic account typically needs to verify the identity of the user prior to payment, and after the user's identity verification is passed, the user may be billed or provided with physical currency.

Means for user authentication include password authentication, fingerprint authentication, swipe authentication, etc. In some special cases, the authentication may not pass due to the physical condition of the user, so that the user cannot draw funds in the account, and life difficulty is caused. For example, forgetting the password but not going to a bank website for a short time to reset the password, or finger injury causes fingerprint breakage, facial injury causes unrecognization, etc.

Disclosure of Invention

The embodiment of the invention provides a fund management method and device, which are used for solving the problem that the user cannot pass the authentication due to the condition of the user, so that the life is inconvenient.

A first aspect of the present description provides a funds management method comprising: the fund management platform sets a first withdrawing mode and a second withdrawing mode for the target fund account, the fund management platform provides funds for the user after the verification in the first withdrawing mode is passed, and the fund management platform provides funds for the user without verification in the second withdrawing mode; automatically collecting information of an associated target user of a target fund account, and judging whether the target fund account reaches an activation condition of a second drawing mode according to the collected information; and under the condition that the activation condition of the second withdrawing mode is reached and the fund withdrawing instruction of the fund account is obtained, providing funds for the user through the second withdrawing mode.

In some embodiments, funding a user includes: the order is paid for the user using funds in the target funds account and/or the user is provided with physical funds and the corresponding amount is deducted from the target funds account.

In some embodiments, in the second withdrawal mode, the funds management platform obtains an identification of a common device of the target user operating the target funds account and an identification of a device currently withdrawing funds; wherein, the common equipment refers to equipment with the use times reaching a preset value or the use frequency reaching a preset frequency value in the past preset time; under the condition that the identification of the current fund-taking equipment is the identification of the common equipment, the fund management platform is not required to be verified to provide funds for the user.

In some embodiments, prior to funding the user by the second means of withdrawal, further comprising: determining an amount limit condition for providing funds to the user through the second drawing mode; wherein the amount limit conditions for providing funds to the user through the second withdrawal means vary with time and area; and providing funds for the user through a second drawing mode under the condition that the amount limit condition is not exceeded.

In some embodiments, determining an amount limit condition for funding the user via the second means of withdrawal comprises: acquiring average daily consumption of a current region where a user is located in a current period, and taking the average daily consumption as the maximum value of the amount of funds provided for the user through a second drawing mode; and/or obtaining average daily consumption of the target user in the current period and the current region of the user, and determining the maximum value of the amount of funds provided for the user through a second withdrawal mode according to the average daily consumption; and/or acquiring daily consumption information of the target user in the past first preset time, predicting daily consumption amount of the current period according to the daily consumption information in the past first preset time, and determining the maximum value of the amount of funds provided for the user through the second withdrawing mode according to the prediction result.

In some embodiments, the method further comprises: before the second extraction mode is activated, periodically sending a determination mode of the monetary limit condition to the target user for the target user to select; after the second withdrawal means is activated, the maximum value of the amount to be funded for the user is determined in a way that the limit condition of the amount to be sent newly selected by the target user is determined.

In some embodiments, determining an amount limit condition for funding the user via the second means of withdrawal comprises: determining a coefficient corresponding to a target user; and taking the product of the balance of the funds in the target funds account and the coefficient as the maximum value of the amount of funds provided for the user through the second withdrawing mode.

In some embodiments, prior to funding the user by the second means of withdrawal, further comprising: determining the number of times and time limitation conditions for providing funds for the user through the second drawing mode; and providing funds for the user through a second drawing mode under the condition that the times and time limit conditions are not exceeded.

In some embodiments, the verification includes at least one of: inputting a fund taking password for verification, fingerprint verification, palm print verification, face brushing verification, voiceprint verification and iris verification.

In some embodiments, the verifying includes entering a funds withdrawal password for verification; correspondingly, automatically collecting information of an associated target user of a target fund account, and judging whether the target fund account reaches an activation condition of a second withdrawal mode according to the collected information, wherein the method comprises the following steps: acquiring current age of a target user and checking report information related to memory; the second extraction mode is automatically activated in case the current age of the target user reaches a predetermined age value or the result of the examination report is that the memory decline symptoms are present.

In some embodiments, the verifying includes entering a funds withdrawal password for verification; correspondingly, automatically collecting information of an associated target user of a target fund account, and judging whether the target fund account reaches an activation condition of a second withdrawal mode according to the collected information, wherein the method comprises the following steps: receiving an activation age input by a user; acquiring the current age of a target user; and automatically activating the second extraction mode under the condition that the current age of the target user reaches the activation age.

In some embodiments, automatically collecting information of an associated target user of a target funds account and determining whether the target funds account meets an activation condition of a second mode of withdrawal based on the collected information, including: receiving a biological information identification result of a target user sent by an evaluation mechanism; and automatically activating the second extraction mode in the case that the biological information is damaged as a result of the biological information identification.

In some embodiments, after reaching the activation condition of the second withdrawal means and obtaining the instruction for withdrawing funds from the funds account, providing funds to the user through the second withdrawal means further comprises: determining a duration of an activation state of the second branch; and when the duration exceeds a preset time threshold, automatically closing the second extraction mode.

A second aspect of the present specification provides a funds management apparatus comprising: the system comprises a setting unit, a fund management platform and a user management unit, wherein the setting unit is used for setting a first withdrawing mode and a second withdrawing mode for a target fund account by the fund management platform, the fund management platform provides funds for the user after the first withdrawing mode passes verification, and the fund management platform provides funds for the user without verification in the second withdrawing mode; the judging unit is used for automatically acquiring information of the associated target user of the target fund account and judging whether the target fund account reaches the activation condition of the second drawing mode according to the acquired information; and the processing unit is used for providing funds for the user through the second withdrawing mode under the condition that the activating condition of the second withdrawing mode is reached and the fund withdrawing instruction of the fund account is obtained.

In some embodiments, the apparatus further comprises: a first determining unit configured to determine an amount limitation condition for funding the user by the second payment method before funding the user by the second payment method; wherein the amount limit conditions for providing funds to the user through the second withdrawal means vary with time and area; in the event that the monetary limit is not exceeded, the processing unit funds the user via a second means of withdrawal.

In some embodiments, the first determining unit comprises: the first determining subunit is used for acquiring the average daily consumption of the current time period and the current region where the user is located, and taking the average daily consumption as the maximum value of the amount of funds provided for the user through a second drawing mode; and/or a second determining subunit, configured to obtain an average daily consumption of the target user in the current period and the area where the user is currently located, and determine, according to the average daily consumption, a maximum value of an amount of money provided for the user by a second payment manner; and/or a third determining subunit, configured to obtain daily consumption information of the target user in a first predetermined time period in the past, predict a daily consumption amount in the current period according to the daily consumption information in the first predetermined time period in the past, and determine an amount maximum value for providing funds to the user through the second withdrawal mode according to the prediction result.

In some embodiments, the apparatus further comprises: the sending unit is used for periodically sending the determining mode of the money limit condition to the target user for the target user to select before the second extracting mode is activated; and after the second drawing mode is activated, the first determining unit determines the maximum value of the amount of funds provided for the user in a sending amount limiting condition determining mode selected by the target user recently.

In some embodiments, the first determining unit comprises: a fourth determining subunit, configured to determine a coefficient corresponding to the target user; and a fifth determining subunit, configured to take the product of the balance of funds in the target funds account and the coefficient as the maximum value of the amount of funds provided to the user through the second withdrawal mode.

In some embodiments, the apparatus further comprises: the second determining unit is used for determining the times and time limiting conditions for funding the user through the second withdrawing mode before funding the user through the second withdrawing mode; the processing unit funds the user by a second means of withdrawal without exceeding the number of times and time constraints.

In some embodiments, the verifying includes entering a funds withdrawal password for verification; accordingly, the judging unit includes: a first receiving subunit, configured to receive an activation age input by a user; the first acquisition subunit is used for acquiring the current age of the target user; and the first activating subunit is used for automatically activating the second extraction mode under the condition that the current age of the target user reaches the activation age.

In some embodiments, the verifying includes entering a funds withdrawal password for verification; accordingly, the judging unit includes: a second acquisition subunit, configured to acquire current age of the target user, and inspection report information associated with the memory; and the second activating subunit is used for automatically activating the second extraction mode when the current age of the target user reaches a preset age value or the result of the examination report is that the patient has the symptoms of hypomnesis.

In some embodiments, the determining unit includes: a second receiving subunit, configured to receive a biological information authentication result of the target user sent by the evaluation mechanism; and the third activating subunit is used for automatically activating the second extraction mode under the condition that the biological information identification result is damaged by the biological information.

In some embodiments, the apparatus further comprises: a sixth determining unit, configured to determine a duration of the activation state of the second extraction mode; and the closing unit is used for automatically closing the second extraction mode when the duration exceeds a preset time threshold.

A third aspect of the present description provides a computer device comprising a memory, a processor and a computer program stored on the memory and executable on the processor, the processor implementing the method of any one of the first aspects when executing the computer program.

A fourth aspect of the present description provides a computer-readable storage medium storing a computer program which, when executed by a processor, implements the method of any one of the first aspects.

A fifth aspect of the present description provides a computer program product comprising a computer program which, when executed by a processor, implements the method of any of the first aspects.

According to the fund management method and the fund management device, the second withdrawal mode is set for the target fund account, the fund can be provided for the user without verifying the fund management platform under the second withdrawal mode, the fund management platform judges whether the activation condition of the second withdrawal mode is reached or not according to the collected information of the target user, and the fund is provided for the user through the second withdrawal mode under the condition that the activation condition of the second withdrawal mode is reached. According to the method and the device, under the condition that the user cannot draw funds in a verification mode, a funds drawing mode without verification is provided, and convenience can be brought to life of the user; the second branch mode can be used only when the second branch mode is judged to be reached, so that convenience is brought to a user, and meanwhile, the safety of a fund account is guaranteed.

Drawings

In order to more clearly illustrate the embodiments of the invention or the technical solutions in the prior art, the drawings that are required in the embodiments or the description of the prior art will be briefly described, it being obvious that the drawings in the following description are only some embodiments of the invention, and that other drawings may be obtained according to these drawings without inventive effort for a person skilled in the art. In the drawings:

fig. 1 is a schematic view of an application scenario of a funds management method provided in the present specification;

FIG. 2 illustrates a flow chart of one method of funds management provided herein;

FIG. 3 illustrates a flow chart of another funds management method provided herein;

FIG. 4 illustrates a flow chart of yet another funds management method provided herein;

fig. 5 shows a schematic block diagram of the funds management apparatus provided in this specification.

Detailed Description

For the purpose of making the objects, technical solutions and advantages of the embodiments of the present invention more apparent, the embodiments of the present invention will be described in further detail with reference to the accompanying drawings. The exemplary embodiments of the present invention and their descriptions herein are for the purpose of explaining the present invention, but are not to be construed as limiting the invention.

The specification provides a fund management method, which sets a mode that a user can withdraw funds without verification for a fund account, so that the user can withdraw part of funds in the fund account under the condition that the user cannot pass verification so as to solve the problem of difficulty in life.

Fig. 1 is a schematic diagram of an application scenario of a funds management method provided in the present specification, where a funds management platform may be a bank, a financial institution, etc., a device used by a user may be a terminal device such as a mobile phone, a tablet, an ATM, etc., and an evaluation mechanism may be an authoritative evaluation mechanism such as a hospital. The funds management method provided in this specification is used in the funds management platform shown in fig. 1.

As shown in fig. 2, the funds management method provided in the present specification includes the steps of:

s10: the fund management platform sets a first withdrawing mode and a second withdrawing mode for the target fund account, the fund management platform provides funds for the user after verification in the first withdrawing mode, and the fund management platform provides funds for the user without verification in the second withdrawing mode.

In the prior art, the funds in the target funds account are typically withdrawn only in the first form, i.e., must be verified.

In this specification, "funding a user" means that the user can withdraw funds from a target funds account, and the specific form can be that the funds management platform can pay an order for the user using the funds from the target funds account, and/or, provide the user with physical funds and deduct a corresponding amount from the target funds account (e.g., the user withdraws from an ATM with a bank card).

In some embodiments, the verification in step S10 may include at least one of: inputting a fund taking password for verification, fingerprint verification, palm print verification, face brushing verification, voiceprint verification and iris verification. In some cases, the verification in step S10 refers to all verification manners available to the user, that is, if the funds management platform determines that all verification manners available to the user cannot be verified, the second branch manner is stimulated. There is mainly one way of verifying that the second way of extraction is not activated by verification. In the process of trying various verification modes, the fund management platform can send reminding information to the target user, if other people try various verification modes maliciously, the user can know and prevent the second extraction mode from being activated in time according to the reminding information. The target user can prevent the activation of the second withdrawal means by adopting any one of the verification means on the funds management platform.

Because the security of the second branch way is lower, only all available verification ways try to verify and pass, and then the second branch way is activated, so that the risk of stealing the fund account can be reduced as much as possible on the premise of ensuring the convenience of life of the user.

In some embodiments, in the second withdrawal mode, the fund management platform obtains an identifier of a common device of the target user operating the target fund account and an identifier of a device of the current withdrawing fund, where the common device is a device of which the number of times of use reaches a predetermined value or the frequency of use reaches a predetermined frequency value in a past predetermined time period; under the condition that the identification of the current fund-taking equipment is the identification of the common equipment, the fund is provided for the user without verifying the fund management platform.

For example, where the target user operates his own target funds account, typically using devices a and B, if device a is used to withdraw funds from the target funds account this time, the funds management platform may use a second means of withdrawal to provide funds to the user. If the device C that has never operated the target funds account is used this time, it is likely that someone else will steal the target user's funds, in which case the second withdrawal means cannot be used to fund the user.

S20: and automatically acquiring information of the associated target user of the target fund account, and judging whether the target fund account reaches the activation condition of the second drawing mode according to the acquired information.

In some embodiments, the verification includes entering a funds withdrawal password for verification. Accordingly, S20 includes:

s21: and acquiring the current age of the target user and the checking report information related to the memory.

S22: the second extraction mode is automatically activated in case the current age of the target user reaches a predetermined age value or the result of the examination report is that the memory deterioration symptom is present.

Typically, retrieval of the password requires human brain memory. After the old people reach a certain age or after the user checks the memory deterioration symptoms, the user is likely to record the passwords of the own fund account at any time, and in this case, the life of the old people can be facilitated, and the second drawing mode is automatically activated, so that the crowd can easily draw funds from the own fund account.

In some embodiments, S20 comprises:

s23: and receiving the biological information identification result of the target user sent by the evaluation mechanism.

S24: and automatically activating the second extraction mode in the case that the biological information is damaged as a result of the biological information identification.

Under the condition that the verification mode is fingerprint verification, palm print verification, face brushing verification, voiceprint verification, iris verification and the like, the biological information identification result sent by an authoritative assessment institution such as a hospital can be automatically received, and under the condition that the biological information identification result is damaged, the second extraction mode is automatically activated.

For example, in the case where the hospital checks for fingerprint or palm print damage and fingerprint verification is not possible, the hospital sends the authentication result to the funds management platform, from which the funds management platform can automatically activate the second withdrawal means.

S30: and under the condition that the activation condition of the second withdrawing mode is reached and the fund withdrawing instruction of the fund account is obtained, fund is provided for the user through the second withdrawing mode.

According to the fund management method provided by the specification, the second withdrawal mode is set for the target fund account, funds can be provided for the user without verifying the fund management platform under the second withdrawal mode, the fund management platform judges whether the activation condition of the second withdrawal mode is reached or not according to the collected information of the target user, and funds are provided for the user through the second withdrawal mode under the condition that the activation condition is reached. According to the method and the device, under the condition that the user cannot draw funds in a verification mode, a funds drawing mode without verification is provided, and convenience can be brought to life of the user; the second branch mode can be used only when the second branch mode is judged to be reached, so that convenience is brought to a user, and meanwhile, the safety of a fund account is guaranteed.

In some embodiments, the user may set the maximum value of the amount to fund the user via the second means of withdrawal by himself before funding the user via the second means of withdrawal.

In some embodiments, the monetary limit for funding the user via the second means of withdrawal may be intelligently determined. For example, before funding the user by the second means of withdrawal, further comprises:

s40: determining an amount limit condition for providing funds to the user through the second drawing mode; wherein the amount limit conditions for funding the user by the second means of withdrawal vary with time and area.

In case the amount limit is not exceeded S30 is performed, i.e. the user is funded by the second way of withdrawal.

In some embodiments, S40 includes at least one of the following S41, S42, and S43.

S41: and acquiring the average daily consumption of the current time period and the current region of the user, and taking the average daily consumption as the maximum value of the amount of funds provided for the user through a second drawing mode.

S42: and acquiring average daily consumption of the target user in the current period and the current region of the user, and determining the maximum value of the amount of funds provided for the user through the second withdrawal mode according to the average daily consumption.

S43: acquiring daily consumption information of a target user in a past first preset time period, predicting daily consumption amount in a current time period according to the daily consumption information in the past first preset time period, and determining the maximum value of the amount for providing funds for the user through a second taking mode according to a prediction result.

In some embodiments, S40 includes at least two of S41, S42, and S43 described above. Accordingly, as shown in fig. 3, the funds management method further includes:

s51: the determination of the monetary limit conditions is sent to the target user periodically for selection by the target user before the second means of withdrawal is activated.

S52: after activation of the second withdrawal means, the maximum value of the amount to fund the user is determined in a way that determines the limit condition of the amount to be sent newly selected by the target user.

In some embodiments, S40 includes the following steps S44 and S45 to limit the amount of funds withdrawn by the second means of withdrawal so as not to cause the balance in the funds account to be stolen even if someone steals funds by the second means of withdrawal.

S44: and determining the coefficient corresponding to the target user.

The coefficient may be set to a fixed value, for example, may be 0.1, 0.2, 0.3, or the like.

S45: and taking the product of the balance of the funds in the target funds account and the coefficient as the maximum value of the amount of funds provided for the user through the second withdrawing mode.

The above-described determination of the maximum value of the amount of funds provided to the user by the second withdrawal means may be present in the same embodiment, with the minimum value of the maximum value of amounts determined by the various means being the maximum value of amounts actually provided to the user by the second withdrawal means.

And reminding the user to withdraw the funds through the first withdrawing mode when the accumulated value of the actual funds for providing the funds for the user through the second withdrawing mode in a period of time reaches the maximum value of the amount, wherein the user must retrieve the password to withdraw the funds through the first withdrawing mode.

In some embodiments, as shown in FIG. 4, the following step S60 is also included before funding the user via the second means of withdrawal.

S60: the number of times the user is funded by the second means of withdrawal and the time constraints are determined.

The number of times and the time limit condition may be, for example, N times (N is a natural number) that funds can be drawn using the second drawing means for each time period. For example, the second withdrawal method may be used 1 time per week and the withdrawal method may be used 2 times per year, and in the case that the number of uses in the current time period has been exhausted, the user is reminded to withdraw funds by the first withdrawal method, and the user must retrieve the password to withdraw funds by the first withdrawal method.

And providing funds for the user through a second withdrawing mode under the condition that the times and time limit conditions are not exceeded.

The number of times can be set by the user or preset by the system.

In some embodiments, after S30, the target funds account may be set for the second withdrawal mode until the account is de-registered. For example, after some old people have a failure of memory deterioration, the withdrawal password of the bank account may be forgotten frequently, and then the second withdrawal mode is required to be used for withdrawing funds.

In some embodiments, after S30, a duration of the activation state of the second extraction mode after the second extraction mode is currently activated may also be determined; and when the duration exceeds a preset time threshold, automatically closing the second extraction mode. In this case, the second withdrawal mode is only convenient for the user to withdraw funds under the condition that the user forgets the password in a short time and is inconvenient to retrieve the password, for example, the user is inconvenient to go to a banking offline website to transact retrieving the password service or the user can not find evidence that the password must be retrieved such as identity evidence temporarily.

The present description provides a funds management apparatus that may be used to implement the funds management method shown in fig. 2. As shown in fig. 5, the apparatus includes a setting unit 10, a judging unit 20, and a processing unit 30.

The setting unit 10 is configured to set a first withdrawal mode and a second withdrawal mode for a target funds account by using a funds management platform, where after the first withdrawal mode passes the verification, the funds management platform provides funds for the user, and the second withdrawal mode provides funds for the user without the need of verifying the funds management platform.

The judging unit 20 is configured to automatically collect information of an associated target user of a target funds account, and judge whether the target funds account reaches an activation condition of the second withdrawal mode according to the collected information.

The processing unit 30 is configured to provide funds to the user through the second withdrawal mode when the activation condition of the second withdrawal mode is reached and a funds withdrawal instruction of the funds account is acquired.

In some embodiments, the first determining unit comprises: a fourth determining subunit, configured to determine a coefficient corresponding to the target user according to the collected information; and a fifth determining subunit, configured to take the product of the balance of funds in the target funds account and the coefficient as the maximum value of the amount of funds provided to the user through the second withdrawal mode.

The description and advantageous effects of the above funds management apparatus are described with particular reference to the description and advantageous effects of the corresponding method.

The embodiment of the invention also provides computer equipment, which comprises a memory, a processor and a computer program stored on the memory and capable of running on the processor, wherein the processor realizes the fund management method when executing the computer program.

Embodiments of the present invention also provide a computer-readable storage medium storing a computer program that when executed by a processor implements the above-described funds management method.

Embodiments of the present invention also provide a computer program product comprising a computer program which, when executed by a processor, implements the above-described funds management method.

The data acquisition, storage, use, processing and the like in the technical scheme meet the relevant regulations of national laws and regulations.

It will be appreciated by those skilled in the art that 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 flowchart illustrations and/or block diagrams, and combinations of flows and/or blocks in the flowchart illustrations 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 foregoing description of the embodiments has been provided for the purpose of illustrating the general principles of the invention, and is not meant to limit the scope of the invention, but to limit the invention to the particular embodiments, and any modifications, equivalents, improvements, etc. that fall within the spirit and principles of the invention are intended to be included within the scope of the invention.

Claims

1. A method of funds management, comprising:

the fund management platform sets a first withdrawing mode and a second withdrawing mode for the target fund account, the fund management platform provides funds for the user after the verification in the first withdrawing mode is passed, and the fund management platform provides funds for the user without verification in the second withdrawing mode;

automatically collecting information of an associated target user of a target fund account, and judging whether the target fund account reaches an activation condition of a second drawing mode according to the collected information;

and under the condition that the activation condition of the second withdrawing mode is reached and the fund withdrawing instruction of the fund account is obtained, providing funds for the user through the second withdrawing mode.

2. The method of claim 1, wherein funding the user comprises: the order is paid for the user using funds in the target funds account and/or the user is provided with physical funds and the corresponding amount is deducted from the target funds account.

3. The method of claim 1, wherein, in the second mode of extraction,

the fund management platform obtains the identification of the common equipment of the target user operating the target fund account and the identification of the equipment currently taking funds; wherein, the common equipment refers to equipment with the use times reaching a preset value or the use frequency reaching a preset frequency value in the past preset time;

under the condition that the identification of the current fund-taking equipment is the identification of the common equipment, the fund management platform is not required to be verified to provide funds for the user.

4. The method of claim 1, further comprising, prior to funding the user via the second means of withdrawal:

determining an amount limit condition for providing funds to the user through the second drawing mode; wherein the amount limit conditions for providing funds to the user through the second withdrawal means vary with time and area;

and providing funds for the user through a second drawing mode under the condition that the amount limit condition is not exceeded.

5. The method of claim 1, wherein determining an amount limit condition for funding the user via the second means of withdrawal comprises:

acquiring average daily consumption of a current region where a user is located in a current period, and taking the average daily consumption as the maximum value of the amount of funds provided for the user through a second drawing mode;

and/or the number of the groups of groups,

acquiring average daily consumption of a target user in a current period and a current region of the user, and determining the maximum value of the amount of funds provided for the user through a second withdrawal mode according to the average daily consumption;

and/or the number of the groups of groups,

acquiring daily consumption information of a target user in a past first preset time period, predicting daily consumption amount in a current time period according to the daily consumption information in the past first preset time period, and determining the maximum value of the amount for providing funds for the user through a second taking mode according to a prediction result.

6. The method as recited in claim 5, further comprising:

before the second extraction mode is activated, periodically sending a determination mode of the monetary limit condition to the target user for the target user to select;

after the second withdrawal means is activated, the maximum value of the amount to be funded for the user is determined in a way that the limit condition of the amount to be sent newly selected by the target user is determined.

7. The method of claim 5, wherein determining an amount limit condition for funding the user via the second means of withdrawal comprises:

determining a coefficient corresponding to a target user;

and taking the product of the balance of the funds in the target funds account and the coefficient as the maximum value of the amount of funds provided for the user through the second withdrawing mode.

8. The method of claim 5, further comprising, prior to funding the user via the second means of withdrawal:

determining the number of times and time limitation conditions for providing funds for the user through the second drawing mode;

and providing funds for the user through a second drawing mode under the condition that the times and time limit conditions are not exceeded.

9. The method of claim 1, wherein the verifying comprises at least one of: inputting a fund taking password for verification, fingerprint verification, palm print verification, face brushing verification, voiceprint verification and iris verification.

10. The method of claim 1, wherein the verifying comprises entering a funds withdrawal password for verification; correspondingly, automatically collecting information of an associated target user of a target fund account, and judging whether the target fund account reaches an activation condition of a second withdrawal mode according to the collected information, wherein the method comprises the following steps:

receiving an activation age input by a user;

acquiring the current age of a target user;

and automatically activating the second extraction mode under the condition that the current age of the target user reaches the activation age.

11. The method of claim 1, wherein the verifying comprises entering a funds withdrawal password for verification; correspondingly, automatically collecting information of an associated target user of a target fund account, and judging whether the target fund account reaches an activation condition of a second withdrawal mode according to the collected information, wherein the method comprises the following steps:

acquiring current age of a target user and checking report information related to memory;

the second extraction mode is automatically activated in case the current age of the target user reaches a predetermined age value or the result of the examination report is that the memory decline symptoms are present.

12. The method of claim 1, wherein automatically collecting information about an associated target user of a target funds account and determining whether the target funds account meets an activation condition for a second means of withdrawal based on the collected information comprises:

receiving a biological information identification result of a target user sent by an evaluation mechanism;

and automatically activating the second extraction mode in the case that the biological information is damaged as a result of the biological information identification.

13. The method of claim 1, wherein upon reaching the activation condition of the second withdrawal means and obtaining the withdrawal funds instruction for the funds account, providing funds to the user via the second withdrawal means further comprises:

determining a duration of an activation state of the second branch;

and when the duration exceeds a preset time threshold, automatically closing the second extraction mode.

14. A funds management apparatus, comprising:

the system comprises a setting unit, a fund management platform and a user management unit, wherein the setting unit is used for setting a first withdrawing mode and a second withdrawing mode for a target fund account by the fund management platform, the fund management platform provides funds for the user after the first withdrawing mode passes verification, and the fund management platform provides funds for the user without verification in the second withdrawing mode;

the judging unit is used for automatically acquiring information of the associated target user of the target fund account and judging whether the target fund account reaches the activation condition of the second drawing mode according to the acquired information;

and the processing unit is used for providing funds for the user through the second withdrawing mode under the condition that the activating condition of the second withdrawing mode is reached and the fund withdrawing instruction of the fund account is obtained.

15. A computer device comprising a memory, a processor and a computer program stored on the memory and executable on the processor, characterized in that the processor implements the method of any of claims 1 to 13 when executing the computer program.

16. 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 one of claims 1 to 13.

17. A computer program product, characterized in that the computer program product comprises a computer program which, when executed by a processor, implements the method of any one of claims 1 to 13.