CN116579771A - Bank card cancellation method and self-service card selling device - Google Patents
Bank card cancellation method and self-service card selling device Download PDFInfo
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- 238000000034 method Methods 0.000 title claims abstract description 68
- 238000012546 transfer Methods 0.000 claims abstract description 40
- 230000008014 freezing Effects 0.000 claims abstract description 9
- 238000007710 freezing Methods 0.000 claims abstract description 9
- 230000009747 swallowing Effects 0.000 claims description 35
- 238000012545 processing Methods 0.000 claims description 32
- 238000004590 computer program Methods 0.000 claims description 18
- 230000005540 biological transmission Effects 0.000 claims description 14
- 238000012544 monitoring process Methods 0.000 claims description 13
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- 230000006870 function Effects 0.000 description 13
- 238000004891 communication Methods 0.000 description 7
- 239000000872 buffer Substances 0.000 description 4
- 238000012216 screening Methods 0.000 description 4
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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
- G06Q20/34—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using cards, e.g. integrated circuit [IC] cards or magnetic cards
- G06Q20/354—Card activation or deactivation
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- 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
- G06Q20/08—Payment architectures
- G06Q20/10—Payment architectures specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
- G06Q20/108—Remote banking, e.g. home banking
- G06Q20/1085—Remote banking, e.g. home banking involving automatic teller machines [ATMs]
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Abstract
The application provides a bank card cancellation method and a self-service card selling device, wherein the method comprises the following steps: inquiring the payment state of the corresponding bank card and the type of the bank card according to the received cancellation request; acquiring balance information of an account according to the payment state of the bank card, the type of the bank card and account login information provided by a user; destroying a corresponding bank card according to a comparison result of the balance information and a preset threshold value and the payment state, freezing a corresponding account and generating a temporary transfer certificate; and logging off corresponding account information according to the using state of the temporary transfer certificate.
Description
Technical Field
The application relates to the field of intelligent service safety, which can be applied to the financial field and other fields, in particular to a bank card cancellation method and a self-service card selling device.
Background
At present, the problem of selling the card factor of the bank card is that a counter manual handling mode is adopted, so that certain requirements are made on the staff business handling efficiency, the queuing process of taking numbers is avoided in the user handling process, and the time cost is high; meanwhile, the bank card to be logged out has the conditions of balance and the like in the card, so that the overall logging-out flow is longer, and the use experience of a user is poorer.
When a balance exists in a bank card in the process of handling the logout, most users need to transfer out or take out the rest of the balance, so that the situation that the property disappears after the user is sold is avoided; the process greatly increases the time cost of business handling, and causes unnecessary time waste for both users and banking outlets; meanwhile, if a balance is transferred out, other accounts capable of being transferred into the money are required to be prepared in advance, so that the logout cost of the user is increased intangibly.
Disclosure of Invention
The application aims to provide a bank card cancellation method and a self-service card selling device, which are used for saving card selling operation time, improving the use experience of a user on self-service equipment and reducing unnecessary queuing waiting processes.
In order to achieve the above object, the present application provides a method for logging out a bank card, comprising: inquiring the payment state of the corresponding bank card and the type of the bank card according to the received cancellation request; acquiring balance information of an account according to the payment state of the bank card, the type of the bank card and account login information provided by a user; destroying a corresponding bank card according to a comparison result of the balance information and a preset threshold value and the payment state, freezing a corresponding account and generating a temporary transfer certificate; and logging off corresponding account information according to the using state of the temporary transfer certificate.
In the above bank card cancellation method, optionally, inquiring the payment status and the bank card type of the corresponding bank card according to the received cancellation request includes: acquiring one or more account information of a user according to the received logout request, and acquiring target account information according to the account information and a confirmation instruction provided by the user; and inquiring the corresponding bank card payment state and the corresponding bank card type in a preset database according to the target account information.
In the above bank card cancellation method, optionally, inquiring the corresponding bank card payment state in the preset database according to the target account information includes: acquiring identification data of a bank card according to the target account information, and calling a card swallowing log containing the identification data of the bank card in a preset database according to the identification data; and obtaining the payment state of the bank card according to the card swallowing log.
In the above method for logging out a bank card, optionally, obtaining balance information of an account according to the payment status of the bank card, the type of the bank card and account login information provided by a user includes: when the bank card is of a preset type and the payment state is a card-swallowing state, generating an account verification request; and obtaining account login information provided by a user through the account verification request, and inquiring balance information of a corresponding account according to the account login information.
In the above bank card cancellation method, optionally, destroying the corresponding bank card according to the comparison result of the balance information and the preset threshold and the payment state includes: a pre-stored processing strategy is called according to a comparison result of the balance information and a preset threshold value; the processing strategy comprises a card selling strategy and a card withdrawing strategy; when the processing strategy selected by the user is a card selling strategy, destroying the corresponding bank card; when the processing strategy selected by the user is a card returning strategy, card swallowing information is obtained according to the card swallowing log, and corresponding equipment is controlled to complete card returning processing according to the card swallowing information.
In the above bank card cancellation method, optionally, freezing the corresponding account and generating the temporary transfer certificate according to the comparison result and the payment state includes: generating limitation request data according to the comparison result and the payment state, freezing a corresponding account through the limitation request data and the account login information, and generating a monitoring identifier; generating a temporary limiting account according to the account login information, transferring the balance in the account to the temporary limiting account and associating the temporary limiting account with the monitoring identifier; and generating a temporary transfer certificate according to the temporary limiting account.
In the above bank card cancellation method, optionally, canceling the corresponding account information according to the usage state of the temporary transfer certificate includes: and when the temporary transfer certificate finishes the withdrawal operation, logging off the frozen account according to the associated monitoring identification.
The application also provides a self-service card selling device suitable for the bank card cancellation method, which comprises a rotation module, a card reading module, a card selling module, a unidirectional transmission channel, a processing module and an input/output window; the card reading module is used for acquiring a bank card to be logged out provided by a user and reading account information of the bank card; the rotation module is connected with the card reading module and comprises a rotating disc and a card storage area which is obtained by separation of a plurality of partition boards; the rotating disc is used for rotating according to a preset period to enable different card storage areas to be in butt joint with the card reading module; the card storage area is used for storing the bank card to be logged out; the pin card module is connected with the rotation module through the unidirectional transmission channel and is used for destroying the bank card to be cancelled, which is transmitted by the unidirectional transmission channel, according to the received control instruction; the processing module is respectively connected with the card reading module, the rotation module, the card selling module and the input/output window and is used for obtaining input information provided by a user through the input/output window, generating a card swallowing log according to the input information, the account information and the rotating position of the rotating disc and providing the card swallowing log to a preset database; generating a control instruction and a recovery instruction according to the received card-selling request, controlling the rotation module to provide corresponding bank cards to the card-selling module through the unidirectional transmission channel by the control instruction to destroy and generate a destruction log, and providing the destruction log to a preset database; and restoring the rotation module to a controlled front state through the restoring instruction.
The application also provides an electronic device comprising a memory, a processor and a computer program stored on the memory and executable on the processor, the processor implementing the above method when executing the computer program.
The present application also provides a computer readable storage medium storing a computer program for executing the above method.
The beneficial technical effects of the application are as follows: the card selling and handling time of the user can be effectively saved, and the use experience of the user is improved; meanwhile, the service efficiency of the self-service equipment is greatly improved, and resource waste caused by invalid operation of a user is avoided.
Drawings
The accompanying drawings, which are included to provide a further understanding of the application and are incorporated in and constitute a part of this specification, illustrate and together with the description serve to explain the application. In the drawings:
FIG. 1 is a flowchart of a method for logging out a bank card according to an embodiment of the present application;
FIG. 2 is a schematic diagram of a bank card information screening process according to an embodiment of the present application;
FIG. 3 is a schematic diagram of a process for acquiring a payment status of a bank card according to an embodiment of the present application;
FIG. 4 is a schematic diagram of a process for destroying and ejecting a bank card according to an embodiment of the present application;
FIG. 5 is a schematic diagram of a temporary transfer voucher generation process according to an embodiment of the present application;
FIG. 6 is a schematic diagram of a self-service card-selling device according to an embodiment of the present application;
FIG. 7 is a schematic diagram of a self-service card-selling process according to an embodiment of the present application;
FIG. 8 is a schematic diagram of a card eject process according to an embodiment of the present application;
fig. 9 is a schematic structural diagram of an electronic device according to an embodiment of the application.
Detailed Description
The following will describe embodiments of the present application in detail with reference to the drawings and examples, thereby solving the technical problems by applying technical means to the present application, and realizing the technical effects can be fully understood and implemented accordingly. It should be noted that, as long as no conflict is formed, each embodiment of the present application and each feature of each embodiment may be combined with each other, and the formed technical solutions are all within the protection scope of the present application.
Additionally, the steps illustrated in the flowcharts of the figures may be performed in a computer system such as a set of computer executable instructions, and although a logical order is illustrated in the flowcharts, in some cases the steps illustrated or described may be performed in an order other than that herein.
Referring to fig. 1, the method for logging out a bank card provided by the present application specifically includes:
s101, inquiring the payment state of the corresponding bank card and the type of the bank card according to the received cancellation request;
s102, acquiring balance information of an account according to the payment state of the bank card, the type of the bank card and account login information provided by a user;
s103, destroying the corresponding bank card according to the comparison result of the balance information and the preset threshold value and the payment state, freezing the corresponding account and generating a temporary transfer certificate;
s104, logging out corresponding account information according to the using state of the temporary transfer certificate.
Specifically, in actual operation, the bank card cancellation method may be combined with existing self-service devices, such as ATM devices; the temporary transfer certificate can be realized in a similar way to ticket exchanging, so that after the user finishes selling the card, the user can obtain the existing balance in the bank card based on the temporary transfer certificate, and then, the corresponding account information cancellation is finished based on the using state of the temporary transfer certificate.
Referring to fig. 2, in an embodiment of the present application, inquiring the payment status and the type of the corresponding bank card according to the received cancellation request includes:
s201, acquiring one or more account information of a user according to the received logout request, and acquiring target account information according to the account information and a confirmation instruction provided by the user;
s202, inquiring the corresponding bank card payment state and the corresponding bank card type in a preset database according to the target account information.
In the above embodiment, when a user logs in a corresponding platform to make a card selling request through online when a plurality of accounts exist under the user name, the accounts under the user name can be displayed for user selection, and corresponding card selling is performed based on the user selection result; it should be noted that in this process, because the account corresponding to different bank cards has an association relationship, for example, the account of the a card is the parent account of the B card, if the user only wants to reserve the B card and logs out the a card, there is a logic problem, and for this reason, a corresponding prompt can be generated based on the account association relationship of the user according to the method; or generating a cancellation processing strategy based on the association relation, for example, when a user wants to reserve the B card, the B card can be independently changed into a first-level authority, and then the A card only comprising a single account is cancelled; in actual working, the corresponding strategy can be selected according to actual needs, and the application is not limited in any way.
Referring to fig. 3, in an embodiment of the present application, according to the target account information and the bank card payment status corresponding to the inquiry in the preset database, the method includes:
s301, acquiring identification data of a bank card according to the target account information, and calling a card swallowing log containing the identification data of the bank card in a preset database according to the identification data;
s302, acquiring a payment state of the bank card according to the card swallowing log.
The method for acquiring the balance information of the account according to the payment state of the bank card, the type of the bank card and the account login information provided by the user comprises the following steps: when the bank card is of a preset type and the payment state is a card-swallowing state, generating an account verification request; and obtaining account login information provided by a user through the account verification request, and inquiring balance information of a corresponding account according to the account login information.
Specifically, in actual work, when the user needs to sell the card, the user needs to confirm whether the bank card is stored, namely the card swallowing state, and the card swallowing state can be obtained from the logs of each service device or from other recorded information, so that the application is not limited in any way; when the bank card is determined to be stored, balance checking can be performed according to account login information provided by a user, such as account passwords and other data. The method for determining the card swallowing state of the retrieval log can adopt the following mode that all card swallowing information in the database is traversed according to the card number of the bank card in the account information, and the card swallowing information of the corresponding date in the database is classified and screened by utilizing the identification data of the bank card, such as certain date card swallowing data provided by a user, for example, the date information of the card swallowing data, and quick data analysis is completed based on the card swallowing information, so that the payment state of the bank card is obtained. Similarly, the account information can be used as a condition for rapid screening except for date, and the application will not be described in detail herein.
Referring to fig. 4, in an embodiment of the present application, destroying the corresponding bank card according to the comparison result of the balance information and the preset threshold and the payment state includes:
s401, a pre-stored processing strategy is called according to a comparison result of the balance information and a preset threshold value; the processing strategy comprises a card selling strategy and a card withdrawing strategy;
s402, destroying the corresponding bank card when the processing strategy selected by the user is a card selling strategy;
s403, when the processing strategy selected by the user is a card withdrawal strategy, card swallowing information is obtained according to the card swallowing log, and corresponding equipment is controlled to finish card withdrawal processing according to the card swallowing information.
Specifically, in actual work, there is also a situation that the bank card of the user is swallowed by the self-service device and the card reading operation cannot be completed again, so that the user adopts the following procedures in the card selling process:
1. acquiring a last six-bit number of the card which is swallowed and inputted by a user, and a card-swallowed password; (either manually input on an ATM device or receiving data provided by a user over an online via a web site)
2. Checking the information of the local card swallowed according to the number (according to screening and determining of a card swallow log stored by a local end), and extracting a complete card number according to a checking result;
3. verifying the identity information of the user according to the card number and the password, and obtaining the operation instruction provided by the user according to the verification result (taking out the swallowed card or destroying the swallowed card)
When the user selects to destroy the swallowed card, the process is as the previous step;
when the user selects to take out the swallowed card, the card returning process is entered to complete the card returning operation.
The card withdrawing process specifically comprises the following steps: (1) Acquiring a user card number according to the received card returning instruction, and determining a card returning date according to the card number and a card returning log; (2) Calculating according to the card swallowing date and the working period of the rotary slot to obtain a storage area of the swallowed card; (3) Acquiring one or more bank cards to be swallowed according to the storage area, and transmitting the bank cards to a card reader one by one for card information reading; (4) Obtaining a target bank card according to a reading result, and providing the target bank card to a user; the rotor groove structure will be described in detail in the following embodiments, and will not be described in detail here.
Referring to fig. 5, in an embodiment of the present application, freezing the corresponding account and generating the temporary transfer certificate according to the comparison result and the payment-up status includes:
s501, limiting request data is generated according to the comparison result and the payment state, and a corresponding account is frozen through the limiting request data and the account login information, and a monitoring identifier is generated;
s502, generating a temporary limiting account according to the account login information, transferring the balance in the account to the temporary limiting account and associating the temporary limiting account with the monitoring identifier;
s503, generating temporary transfer certificates according to the temporary limiting accounts.
The temporary limiting account can limit the transaction mode, for example, the temporary account can adopt an account number to be sold, but cannot store money, and only can adopt the limitation of total balance transfer, so that the temporary account sales processing is completed based on a transfer instruction, and the balance flexible transfer is effectively realized.
Further, in an embodiment of the present application, the step of logging off the corresponding account information according to the usage status of the temporary transfer certificate includes: when the temporary transfer certificate finishes the withdrawal operation, logging out the frozen account according to the associated monitoring identification; specifically, the method is a method of adopting a pin card to not pin a user, namely, a monitoring process is constructed according to a pin card instruction, and when the balance is monitored to be empty, the pin user processing is executed. The monitoring mark is a monitoring thread for triggering the pin user; of course, in actual working, those skilled in the art may also select a specific sequence of the sales user based on actual situations, which is not limited in the present application.
Referring to fig. 6, the application further provides a self-service card-selling device suitable for the bank card cancellation method, which comprises a rotation module, a card reading module, a card-selling module, a unidirectional transmission channel, a processing module and an input/output window; the card reading module is used for acquiring a bank card to be logged out provided by a user and reading account information of the bank card; the rotation module is connected with the card reading module and comprises a rotating disc and a card storage area which is obtained by separation of a plurality of partition boards; the rotating disc is used for rotating according to a preset period to enable different card storage areas to be in butt joint with the card reading module; the card storage area is used for storing the bank card to be logged out; the pin card module is connected with the rotation module through the unidirectional transmission channel and is used for destroying the bank card to be cancelled, which is transmitted by the unidirectional transmission channel, according to the received control instruction; the processing module is respectively connected with the card reading module, the rotation module, the card selling module and the input/output window and is used for obtaining input information provided by a user through the input/output window, generating a card swallowing log according to the input information, the account information and the rotating position of the rotating disc and providing the card swallowing log to a preset database; generating a control instruction and a recovery instruction according to the received card-selling request, controlling the rotation module to provide corresponding bank cards to the card-selling module through the unidirectional transmission channel by the control instruction to destroy and generate a destruction log, and providing the destruction log to a preset database; and restoring the rotation module to a controlled front state through the restoring instruction.
Specifically, in actual work, when the user selects to transact the function of canceling the bank card on the self-service device, the self-service card canceling device starts a cancellation mode, and referring to fig. 7, the process specifically includes:
1. inserting a bank card to be logged out;
2. identifying a bank card type, such as a credit card or a savings card:
3. the background analyzes whether the bank card has a bill or balance;
when the bill is not settled, a bill prompt is generated to inform the user of settlement of the bill (by means of cash deposit, mobile phone bank transfer and the like), and if the bill cannot be settled, a card returning instruction is generated to control the withdrawal of the bank card to be logged off.
When the balance exists in the bank card, generating a transfer link or a transfer certificate, and inputting an account to be deposited according to the transfer link to finish balance transfer; or printing the transfer certificate, and freely selecting time for balance transfer at the counter by the user.
The transfer certificate processing process can adopt to construct a temporary account, the temporary account adopts an account number to be sold, but cannot store money, and only can adopt the limitation of full balance transfer, so that the temporary account selling process is completed based on a transfer instruction; and the method can also adopt a mode of not selling the card or selling the user, namely, a monitoring process is constructed according to the card-selling instruction, and when the balance is monitored to be empty, the user-selling process is executed.
4. After balance or bill business verification is completed, the card reading module enters the card selling module to conduct card selling processing, card selling records are built according to card reading information and card selling completion information and registered into a preset card selling log, and customers are sold uniformly by the background according to the period.
Referring to fig. 8, in the case that the user's bank card is swallowed by the self-service card-selling device and cannot be read again, the following will be described:
1. acquiring a last six-bit number of the card which is swallowed and inputted by a user, and a card-swallowed password; (either manually input on an ATM device or receiving data provided by a user over an online via a web site)
2. Checking the information of the local card swallowed according to the number (according to screening and determining of a card swallow log stored by a local end), and extracting a complete card number according to a checking result;
3. verifying the identity information of the user according to the card number and the password, and obtaining the operation instruction provided by the user according to the verification result (taking out the swallowed card or destroying the swallowed card)
When the user selects to destroy the swallowed card, the process is as the previous step;
when the user selects to take out the swallowed card, the card returning process is entered to complete the card returning operation.
The card withdrawing process specifically comprises the following steps:
(1) Acquiring a user card number according to the received card returning instruction, and determining a card returning date according to the card number and a card returning log;
(2) Calculating according to the card swallowing date and the working period of the rotary slot to obtain a storage area of the swallowed card;
(3) Acquiring one or more bank cards to be swallowed according to the storage area, and transmitting the bank cards to a card reader one by one for card information reading;
(4) And obtaining a target bank card according to the reading result, and providing the target bank card to a user.
In an embodiment of the application, the rotation module may be disposed in a card-holding box, which is of a turntable structure, and the card-holding box is divided into a plurality of areas by a plurality of separators, each area corresponds to a cycle of card holding; for example, when the card is swallowed in the X area on the A date, when the card is swallowed in the A+1 date, the rotary groove rotates, the adjacent area Y of the X area is used as a card swallowing storage area, and by pushing the card swallowing storage area, the card swallowing classification can be carried out on n dates as a period, so that the efficiency of follow-up checking and card extracting is improved, wherein n is the number of the areas divided by the rotary groove.
Because the situation that a plurality of cards are swallowed in the same day or in the same day in different periods occurs, a card reading module in the card swallowing device of the self-service card selling device is required to be utilized for analyzing and determining a target card; therefore, in an embodiment of the application, the card-retaining box and the card-reading module are communicated to form a second channel, and the circulation that the bank card sequentially enters the card reader and returns is realized by utilizing the second channel and the first channel existing between the card-reading module and the card-retaining box to form circulation.
In order to prevent the registered destroying card from entering the pin card module to destroy the real object, the card reading module and the card withdrawing module have the function of bidirectional transmission, and the card reading module and the pin card module have the function of unidirectional transmission from the card reading module to the pin card module. That is, the card reading module and the card selling module can only transfer in one direction, and the card selling module can not transfer the bank card to the card withdrawing module. In the flow, after the card-selling record is constructed according to the card-reading information and the card-selling completion information and registered in a preset card-selling log, card-selling operation is started, and after the card-selling is completed, a corresponding mark is constructed on the corresponding record on the card-selling log, so that the fact that the bank card is destroyed is indicated.
The beneficial technical effects of the application are as follows: the card selling and handling time of the user can be effectively saved, and the use experience of the user is improved; meanwhile, the service efficiency of the self-service equipment is greatly improved, and resource waste caused by invalid operation of a user is avoided.
The application also provides an electronic device comprising a memory, a processor and a computer program stored on the memory and executable on the processor, the processor implementing the above method when executing the computer program.
The present application also provides a computer readable storage medium storing a computer program for executing the above method.
The application also provides a computer program product comprising a computer program/instruction which, when executed by a processor, implements the steps of the above method.
As shown in fig. 9, the electronic device 600 may further include: a communication module 110, an input unit 120, an audio processing unit 130, a display 160, a power supply 170. It is noted that the electronic device 600 need not include all of the components shown in fig. 9; in addition, the electronic device 600 may further include components not shown in fig. 9, to which reference is made to the related art.
As shown in fig. 9, the central processor 100, sometimes also referred to as a controller or operational control, may include a microprocessor or other processor device and/or logic device, which central processor 100 receives inputs and controls the operation of the various components of the electronic device 600.
The memory 140 may be, for example, one or more of a buffer, a flash memory, a hard drive, a removable media, a volatile memory, a non-volatile memory, or other suitable device. The information about failure may be stored, and a program for executing the information may be stored. And the central processor 100 can execute the program stored in the memory 140 to realize information storage or processing, etc.
The input unit 120 provides an input to the central processor 100. The input unit 120 is, for example, a key or a touch input device. The power supply 170 is used to provide power to the electronic device 600. The display 160 is used for displaying display objects such as images and characters. The display may be, for example, but not limited to, an LCD display.
The memory 140 may be a solid state memory such as Read Only Memory (ROM), random Access Memory (RAM), SIM card, or the like. But also a memory which holds information even when powered down, can be selectively erased and provided with further data, an example of which is sometimes referred to as EPROM or the like. Memory 140 may also be some other type of device. Memory 140 includes a buffer memory 141 (sometimes referred to as a buffer). The memory 140 may include an application/function storage 142, the application/function storage 142 for storing application programs and function programs or a flow for executing operations of the electronic device 600 by the central processor 100.
Memory 140 may also include a data store (data 143) for storing data, such as contacts, digital data, pictures, sounds, and/or any other data used by the electronic device. The driver store (driver 144) of the memory 140 may include various drivers of the electronic device for communication functions and/or for performing other functions of the electronic device (e.g., messaging applications, address book applications, etc.).
The communication module 110 is a transmitter/receiver 110 that transmits and receives signals via an antenna 111. A communication module (transmitter/receiver) 110 is coupled to the central processor 100 to provide an input signal and receive an output signal, which may be the same as in the case of a conventional mobile communication terminal.
Based on different communication technologies, a plurality of communication modules 110, such as a cellular network module, a bluetooth module, and/or a wireless local area network module, etc., may be provided in the same electronic device. The communication module (transmitter/receiver) 110 is also coupled to a speaker 131 and a microphone 132 via an audio processor 130 to provide audio output via the speaker 131 and to receive audio input from the microphone 132 to implement usual telecommunication functions. The audio processor 130 may include any suitable buffers, decoders, amplifiers and so forth. In addition, the audio processor 130 is also coupled to the central processor 100 so that sound can be recorded locally through the microphone 132 and so that sound stored locally can be played through the speaker 131.
It will be appreciated by those skilled in the art that embodiments of the present application may be provided as a method, system, or computer program product. Accordingly, the present application may take the form of an entirely hardware embodiment, an entirely software embodiment or an embodiment combining software and hardware aspects. Furthermore, the present application 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 application is described with reference to flowchart illustrations and/or block diagrams of methods, apparatus (systems) and computer program products according to embodiments of the application. 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 application, and is not meant to limit the scope of the application, but to limit the application to the particular embodiments, and any modifications, equivalents, improvements, etc. that fall within the spirit and principles of the application are intended to be included within the scope of the application.
Claims (10)
1. A method of bank card cancellation, the method comprising:
inquiring the payment state of the corresponding bank card and the type of the bank card according to the received cancellation request;
acquiring balance information of an account according to the payment state of the bank card, the type of the bank card and account login information provided by a user;
destroying a corresponding bank card according to a comparison result of the balance information and a preset threshold value and the payment state, freezing a corresponding account and generating a temporary transfer certificate;
and logging off corresponding account information according to the using state of the temporary transfer certificate.
2. The method for registering a bank card according to claim 1, wherein the inquiring of the status of the corresponding bank card and the type of the bank card according to the received registering request comprises:
acquiring one or more account information of a user according to the received logout request, and acquiring target account information according to the account information and a confirmation instruction provided by the user;
and inquiring the corresponding bank card payment state and the corresponding bank card type in a preset database according to the target account information.
3. The method according to claim 1, wherein inquiring the corresponding bank card payment status in the preset database according to the target account information comprises:
acquiring identification data of a bank card according to the target account information, and calling a card swallowing log containing the identification data of the bank card in a preset database according to the identification data;
and obtaining the payment state of the bank card according to the card swallowing log.
4. The method of claim 3, wherein obtaining balance information of an account based on the payment status of the bank card, the type of the bank card, and account login information provided by a user comprises:
when the bank card is of a preset type and the payment state is a card-swallowing state, generating an account verification request;
and obtaining account login information provided by a user through the account verification request, and inquiring balance information of a corresponding account according to the account login information.
5. The method of claim 3, wherein destroying the corresponding bank card according to the comparison result of the balance information and the preset threshold and the payment state comprises:
a pre-stored processing strategy is called according to a comparison result of the balance information and a preset threshold value;
the processing strategy comprises a card selling strategy and a card withdrawing strategy;
when the processing strategy selected by the user is a card selling strategy, destroying the corresponding bank card;
when the processing strategy selected by the user is a card returning strategy, card swallowing information is obtained according to the card swallowing log, and corresponding equipment is controlled to complete card returning processing according to the card swallowing information.
6. The method of claim 1, wherein freezing the corresponding account and generating temporary transfer credentials based on the comparison and the payment status comprises:
generating limitation request data according to the comparison result and the payment state, freezing a corresponding account through the limitation request data and the account login information, and generating a monitoring identifier;
generating a temporary limiting account according to the account login information, transferring the balance in the account to the temporary limiting account and associating the temporary limiting account with the monitoring identifier;
and generating a temporary transfer certificate according to the temporary limiting account.
7. The method of claim 6, wherein logging off the corresponding account information according to the usage status of the temporary transfer voucher comprises:
and when the temporary transfer certificate finishes the withdrawal operation, logging off the frozen account according to the associated monitoring identification.
8. A self-service card-selling device suitable for the bank card cancellation method according to any one of claims 1 to 7, characterized in that the device comprises a rotation module, a card reading module, a card-selling module, a unidirectional transmission channel, a processing module and an input-output window;
the card reading module is used for acquiring a bank card to be logged out provided by a user and reading account information of the bank card;
the rotation module is connected with the card reading module and comprises a rotating disc and a card storage area which is obtained by separation of a plurality of partition boards;
the rotating disc is used for rotating according to a preset period to enable different card storage areas to be in butt joint with the card reading module;
the card storage area is used for storing the bank card to be logged out;
the pin card module is connected with the rotation module through the unidirectional transmission channel and is used for destroying the bank card to be cancelled, which is transmitted by the unidirectional transmission channel, according to the received control instruction;
the processing module is respectively connected with the card reading module, the rotation module, the card selling module and the input/output window and is used for obtaining input information provided by a user through the input/output window, generating a card swallowing log according to the input information, the account information and the rotating position of the rotating disc and providing the card swallowing log to a preset database; generating a control instruction and a recovery instruction according to the received card-selling request, controlling the rotation module to provide corresponding bank cards to the card-selling module through the unidirectional transmission channel by the control instruction to destroy and generate a destruction log, and providing the destruction log to a preset database; and restoring the rotation module to a controlled front state through the restoring instruction.
9. An electronic 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 7 when executing the computer program.
10. A computer readable storage medium, characterized in that the computer readable storage medium stores a computer program for executing the method of any one of claims 1 to 7 by a computer.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN202310518364.8A CN116579771A (en) | 2023-05-09 | 2023-05-09 | Bank card cancellation method and self-service card selling device |
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN202310518364.8A CN116579771A (en) | 2023-05-09 | 2023-05-09 | Bank card cancellation method and self-service card selling device |
Publications (1)
| Publication Number | Publication Date |
|---|---|
| CN116579771A true CN116579771A (en) | 2023-08-11 |
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| Application Number | Title | Priority Date | Filing Date |
|---|---|---|---|
| CN202310518364.8A Pending CN116579771A (en) | 2023-05-09 | 2023-05-09 | Bank card cancellation method and self-service card selling device |
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| Country | Link |
|---|---|
| CN (1) | CN116579771A (en) |
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2023
- 2023-05-09 CN CN202310518364.8A patent/CN116579771A/en active Pending
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