CN116777447B - Quick fee refund method, system, terminal and storage medium - Google Patents
Quick fee refund method, system, terminal and storage medium Download PDFInfo
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- CN116777447B CN116777447B CN202311077372.XA CN202311077372A CN116777447B CN 116777447 B CN116777447 B CN 116777447B CN 202311077372 A CN202311077372 A CN 202311077372A CN 116777447 B CN116777447 B CN 116777447B
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Classifications
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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
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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
- G06Q20/38—Payment protocols; Details thereof
- G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
- G06Q20/401—Transaction verification
- G06Q20/4014—Identity check for transactions
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/38—Payment protocols; Details thereof
- G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
- G06Q20/401—Transaction verification
- G06Q20/4014—Identity check for transactions
- G06Q20/40145—Biometric identity checks
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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
- G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
- G06Q40/02—Banking, e.g. interest calculation or account maintenance
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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
- G06Q90/00—Systems or methods specially adapted for administrative, commercial, financial, managerial or supervisory purposes, not involving significant data processing
- G06Q90/20—Destination assistance within a business structure or complex
- G06Q90/205—Building evacuation
Abstract
The invention relates to the technical field of fee refund, in particular to a quick fee refund method, a system, a terminal and a storage medium, comprising the following steps: receiving a user refund request, extracting a face image from the user refund request, and matching historical user information based on the face image, wherein the historical user information comprises historical identity card information, historical property card information and historical household registration information; extracting official data from a third party database based on the historical user information, the official data comprising official identification card information, official house property card information and official household registration information; judging whether the historical identity card information is matched with the official identity card information or not: if so, executing the refund operation. The invention is efficient and quick, does not need manual verification, does not need to go to a business hall for business in person, and solves the problems that the old is inconvenient to transact in person, the user name is inconsistent with the name of the user due to registration errors, and the like.
Description
Technical Field
The invention belongs to the technical field of refund, and particularly relates to a quick refund method, a system, a terminal and a storage medium.
Background
At present, the rural areas are removed more, and the electricity return work of tens of thousands of households is faced. The removal of the village refund charge mainly requires that the identity card and the financial account copy are taken by the person to the power supply business hall in the district to transact refund procedure, and after the charge is signed by the lead, the flow is initiated to the financial system to refund the charge.
However, there are some special cases that the old cannot go to business hall to check, and cannot authenticate the user, and the user name is inconsistent with the name of the user due to wrong registration, and the user name needs to provide certificates such as house property certificate and authorized entrust, and needs more materials. And the staff does not know whether the financial account provided by the user passes through the identity card or not when counting, and the staff is required to carry out 1-division to transfer money into the financial account each time, so that the financial account is ensured to be correct and very complicated. Many people choose not to pay back because the balance only has a few money. The manual statistics workload is large, and the working progress is towered.
In the existing fee return system, the person needs to transact in person to a business hall, the old is inconvenient to transact in person, and staff cannot authenticate the person, and the user name is inconsistent with the name of the person due to wrong registration, and the problems that certificates such as a house property certificate, an authorized delegate book and the like are required to be provided, and whether the provided financial account and identity card pass through cannot be confirmed exist.
Disclosure of Invention
Aiming at the problems that in the prior art, when a village is removed, an electric charge is required to be returned to a business hall for handling in person, a user name is inconsistent with the name of the user name due to a registration error, certificates such as a house property certificate, an authorized delegate book and the like are required to be provided, and whether the provided financial account and identity card pass or not cannot be confirmed, the invention provides a quick charge returning method, a system, a terminal and a storage medium, and aims to solve the technical problems.
In a first aspect, the present invention provides a quick fee refund method, including:
receiving a user refund request, extracting a face image from the user refund request, and matching historical user information based on the face image, wherein the historical user information comprises historical identity card information, historical property card information and historical household registration information;
extracting official data from a third party database based on the historical user information, the official data comprising official identification card information, official house property card information and official household registration information;
judging whether the historical identity card information is matched with the official identity card information or not:
if yes, executing the fee refund operation;
if not, matching the historical property certificate information with the official property certificate information;
if yes, executing the fee refund operation;
if not, judging whether the historical household registration information is matched with the official household registration information or not:
if the historical customer information is matched with the household registration information, executing a refund operation;
if the historical customer information is not matched with the household registration information, not executing the refund operation, and returning failure prompt information;
the executing the refund operation includes:
inquiring balance data of the user from a local database;
and based on the balance data, invoking a financial service platform to trade the balance to the financial account of the user.
In an alternative embodiment, the user refund request further includes: electronic authorization commission;
extracting authorization commission information from the electronic authorization commission, and matching historical identity card information in historical user information according to the authorization commission information;
the authorized principal includes an agent name, an agent identification number, an agent transaction, an agent authority, an agent scope, an agent period, an agent signature and a date.
Considering that a user group which cannot be operated exists in the removed village, the process is suitable for users which have no relatives but cannot be operated, and the users can be helped by other people based on authorization entrustment.
In an alternative embodiment, the official data further comprises:
and the official financial account information is matched with the financial account information of the user before the balance is traded to the financial account of the user, and if the balance is successfully traded to the financial account of the user, the user is prompted to replace the financial account if the balance is not successfully matched.
In an alternative embodiment, the third party database includes:
the official identity card information and the official account information are obtained through connection with the public security bureau identity system database, the official property card information is obtained through connection with the house management bureau database, and the financial account information is obtained through connection with the financial institution database.
In a second aspect, the present invention provides a quick refund system comprising: a comprehensive refund platform;
the face recognition module is used for receiving a user refund request, extracting a face image from the user refund request, and matching historical user information based on the face image, wherein the historical user information comprises historical identity card information, historical property card information and historical household registration information;
the official information acquisition module is used for extracting official data from a third party database based on the historical user information, wherein the historical user information comprises historical identity card information, historical property card information and historical household registration information;
the refund module is used for refunding personal fees; judging whether the historical identity card information is matched with the official identity card information or not: if yes, executing the fee refund operation; if not, matching the historical property certificate information with the official property certificate information; if yes, executing the fee refund operation; if not, not executing the refund operation, and returning failure prompt information;
the financial account judging module is used for judging whether the financial account of the user is matched with the official financial account; if yes, executing the fee refund operation; if not, not executing the refund operation, and returning failure prompt information;
the refund execution module inquires balance data of the user from a local database; and based on the balance data, invoking a financial service platform to trade the balance to the financial account of the user.
In an alternative embodiment, the integrated refund platform further comprises:
the authorization commission refund module comprises character extraction equipment, is used for extracting the name of an agent, the name of a commissioned person, the identity card number of the commissioned person, the agent matters, the agent authority, the agent scope, the agent period and the signature and date of the commissioned person in the electronic authorization commission, and obtains authorization commission information; judging whether the historical identity card information is matched with the authorization delegation information or not: if the historical user information is matched with the authorization delegation information, executing a refund operation; if the historical identity card is not matched with the authorization delegation information, no refund operation is executed, and failure prompt information is returned.
In an alternative embodiment, the integrated refund platform further comprises:
and the official financial account module is used for matching the financial account information of the user with the official financial account information before the balance is traded to the financial account of the user, and prompting the user to replace the financial account if the balance is traded to the financial account of the user successfully.
In an alternative embodiment, the official information obtaining module further comprises a third party database unit for obtaining official identification card information and official account information by connecting with a public security bureau identity system database, obtaining official property card information by connecting with a bureau database, and obtaining financial account information by connecting with a financial institution database.
In a third aspect, a terminal is provided, including:
a processor, a memory, wherein,
the memory is used for storing a computer program,
the processor is configured to call and run the computer program from the memory, so that the terminal performs the method of the terminal as described above.
In a fourth aspect, there is provided a computer storage medium having instructions stored therein which, when run on a computer, cause the computer to perform the method of the above aspects.
The quick fee refund method, system, terminal and storage medium provided by the invention have the beneficial effects that the comprehensive fee refund platform is connected with the public security bureau identity system database, the financial institution database and the house management bureau database, so that the official identity card information, the official account registration information, the financial account and the official house property card information can be directly obtained. The list of the removed users is directly compared with the obtained official data, so that information error is avoided. High efficiency and rapidness, and no need of manual verification. The face brushing fee refund is adopted, errors are prevented, direct verification of a financial account is realized, and the situation of money deposit failure is prevented. The office is not required to be in charge of the business, the problems that the old is inconvenient to be in charge of the business, the staff cannot authenticate whether the user is personally, the user name is inconsistent with the name of the user due to wrong registration, certificates such as a house property certificate, an authorized delegate book and the like are required to be provided, and whether the provided financial account and identity card are consistent are solved.
In addition, the invention has reliable design principle, simple structure and very wide application prospect.
Drawings
In order to more clearly illustrate the embodiments of the present invention or the technical solutions in the prior art, the drawings that are required to be used in the description of the embodiments or the prior art will be briefly described below, and it will be obvious to those skilled in the art that other drawings can be obtained from these drawings without inventive effort.
FIG. 1 is a schematic flow chart of a method of one embodiment of the invention.
FIG. 2 is a schematic block diagram of a system of one embodiment of the present invention.
Fig. 3 is a schematic structural diagram of a terminal according to an embodiment of the present invention.
Detailed Description
In order to make the technical solution of the present invention better understood by those skilled in the art, the technical solution of the present invention will be clearly and completely described below with reference to the accompanying drawings in the embodiments of the present invention, and it is apparent that the described embodiments are only some embodiments of the present invention, not all embodiments. All other embodiments, which can be made by those skilled in the art based on the embodiments of the present invention without making any inventive effort, shall fall within the scope of the present invention.
Unless defined otherwise, all technical and scientific terms used herein have the same meaning as commonly understood by one of ordinary skill in the art to which this invention belongs. The terminology used herein in the description of the invention is for the purpose of describing particular embodiments only and is not intended to be limiting of the invention.
The quick fee refund method provided by the embodiment of the invention is executed by the computer equipment, and correspondingly, the quick fee refund system is operated in the computer equipment.
FIG. 1 is a schematic flow chart of a method of one embodiment of the invention. The execution subject of fig. 1 may be a quick refund system. The order of the steps in the flow chart may be changed and some may be omitted according to different needs.
As shown in fig. 1, the method includes:
step 110, receiving a user refund request, extracting a face image from the user refund request, and matching historical user information based on the face image, wherein the historical user information comprises historical identity card information, historical property card information and historical household registration information.
And step 120, extracting official data from a third party database based on the historical user information, wherein the official data comprises official identity card information, official house property card information and official household registration information.
Step 130, judging whether the historical identity card information is matched with the official identity card information or not:
if yes, executing the fee refund operation;
if not, go to step 140;
step 140, matching the historical property certificate information with the official property certificate information;
if yes, executing the fee refund operation;
if not, go to step 150;
step 150, judging whether the historical household registration information is matched with the official household registration information or not:
if the historical customer information is matched with the household registration information, executing a refund operation;
if the historical customer information is not matched with the household registration information, executing step 160;
s6, not executing the refund operation and returning failure prompt information;
the executing the refund operation includes:
inquiring balance data of the user from a local database;
and based on the balance data, invoking a financial service platform to trade the balance to the financial account of the user.
In order to facilitate understanding of the present invention, a fast fee refund method provided by the present invention is further described below by using the principle of the fast fee refund method of the present invention, and combining with the fee refund method process in the embodiment.
Specifically, the quick fee refund method comprises the following steps:
s1, receiving a user refund request, extracting a face image from the user refund request, and matching historical user information based on the face image, wherein the historical user information comprises historical identity card information, historical real estate card information and historical household registration information.
The user refund request further includes: electronic authorization commission;
extracting authorization commission information from the electronic authorization commission, and matching historical identity card information in historical user information according to the authorization commission information;
the electronic authorization proxy book comprises a proxy name, a proxy identity card number, proxy matters, proxy rights, a proxy scope, a proxy deadline and a signature and date of the proxy.
Specifically, when a village is removed, a manager in a village district is provided, marketing 2.0 removal client information is uniformly stored in a platform, a whole village fee returning process is initiated on the platform, and each village enters the platform to perform face brushing authentication. The facial features are acquired through the camera and are compared with the facial information of the user identity information stored before, and the authenticity of the user identity is verified.
S2, extracting official data from a third party database based on the historical user information, wherein the official data comprises official identity card information, official house property card information and official household registration information.
The official data further includes: official financial account information;
before the balance is traded to the financial account of the user, the financial account information of the user is matched with the official financial account information, if the balance is successfully traded to the financial account of the user, the user is prompted to replace the financial account if the balance is not successfully matched.
The third party database includes:
the official identity card information and the official account information are obtained through connection with the public security bureau identity system database, the official property card information is obtained through connection with the house management bureau database, and the financial account information is obtained through connection with the financial institution database.
Specifically, the platform calls the financial institution interface through the API interface to verify the financial account provided by the user, so that the financial account is directly verified, and the phenomenon of money drawing failure does not need to occur.
After confirming the identity of the user and the financial account, the platform initiates a whole village fee-returning process. And transmitting the withdrawal information to a financial management and control system of the company, and carrying out payment operation by finance.
The platform can monitor the fee-returning flow in real time, and if problems occur, such as information verification failure, financial account verification failure and the like, the system can prompt users and staff to process in time.
S3, judging whether the historical identity card information is matched with the official identity card information or not:
if yes, executing the fee refund operation;
if not, go to step S4.
Specifically, the four certificates are combined, if the names are inconsistent, the house property certificate information is used as a supplement, and the judgment can be carried out through the household registration system of the public security system if the parents are in charge.
S4, matching the historical property certificate information with the official property certificate information;
if yes, executing the fee refund operation;
if not, go to step S5;
s5, judging whether the historical household registration information is matched with the official household registration information or not:
if the historical customer information is matched with the household registration information, executing a refund operation;
if the historical customer information is not matched with the household registration information, executing a step S6;
s6, not executing the refund operation, and returning failure prompt information;
the executing the refund operation includes:
inquiring balance data of the user from a local database;
and based on the balance data, invoking a financial service platform to trade the balance to the financial account of the user.
Specifically, firstly, a platform of mobile phone application is developed, and the platform is in butt joint with a marketing 2.0 system, a public security identity card system, a banking system interface and a house management office interface of a company through an API interface. The platform can acquire and integrate four kinds of information including identity card information, household registration information, financial account and real estate card information. This information will be stored uniformly in the database of the platform. The platform calls the public security identity card system through the API interface, verifies the household registration information of the user, compares the information such as name and identity card number, and ensures the accuracy of the user identity. The list of the removed users is directly compared with the obtained official information, so that information error is avoided.
Through the implementation mode, the platform can effectively simplify the fee returning process, improve the working efficiency and reduce errors and auditing burden. Meanwhile, the accuracy and the safety of the refund process are guaranteed through data integration and real-time monitoring, and the user satisfaction degree and the company operation efficiency are improved.
In some embodiments, a quick return system 200 may include a plurality of functional modules comprised of computer program segments. A computer program of the individual program segments in the quick return system 200 may be stored in a memory of a computer device and executed by at least one processor to perform the functions of the return method (described in detail with reference to fig. 1).
In this embodiment, a quick return system 200 may be divided into a plurality of functional modules according to the functions performed by the system, as shown in fig. 2. The functional module may include: the face recognition module 210, the official information acquisition module 220, the refund module 230, the financial account judgment module 240, and the refund execution module 250. The module referred to in the present invention refers to a series of computer program segments capable of being executed by at least one processor and of performing a fixed function, stored in a memory. In the present embodiment, the functions of the respective modules will be described in detail in the following embodiments.
The face recognition module is used for receiving a user refund request, extracting a face image from the user refund request, and matching historical user information based on the face image, wherein the historical user information comprises historical identity card information, historical property card information and historical household registration information;
the official information acquisition module is used for extracting official data from a third party database based on the historical user information, wherein the historical user information comprises historical identity card information, historical property card information and historical household registration information;
the refund module is used for refunding personal fees; judging whether the historical identity card information is matched with the official identity card information or not: if yes, executing the fee refund operation; if not, matching the historical property certificate information with the official property certificate information; if yes, executing the fee refund operation; if not, not executing the refund operation, and returning failure prompt information;
the financial account judging module is used for judging whether the financial account of the user is matched with the official financial account; if yes, executing the fee refund operation; if not, not executing the refund operation, and returning failure prompt information;
the refund execution module inquires balance data of the user from a local database; and based on the balance data, invoking a financial service platform to trade the balance to the financial account of the user.
Optionally, as an embodiment of the present invention, the integrated refund platform further includes:
the authorization commission refund module comprises character extraction equipment, is used for extracting the name of an agent, the name of a commissioned person, the identity card number of the commissioned person, the agent matters, the agent authority, the agent scope, the agent period and the signature and date of the commissioned person in the electronic authorization commission, and obtains authorization commission information; judging whether the historical identity card information is matched with the authorization delegation information or not: if the historical user information is matched with the authorization delegation information, executing a refund operation; if the historical identity card is not matched with the authorization delegation information, no refund operation is executed, and failure prompt information is returned.
Optionally, as an embodiment of the present invention, the integrated refund platform further includes:
and the official financial account module is used for matching the financial account information of the user with the official financial account information before the balance is traded to the financial account of the user, and prompting the user to replace the financial account if the balance is traded to the financial account of the user successfully.
Optionally, as an embodiment of the present invention, the official information obtaining module further includes:
and the third party database unit is used for acquiring the official identity card information and the official account information through connection with the public security bureau identity system database, acquiring the official property card information through connection with the house management bureau database and acquiring the financial account information through connection with the financial institution database.
Fig. 3 is a schematic structural diagram of a terminal 300 according to an embodiment of the present invention, where the terminal 300 may be used to execute a quick fee refund method according to an embodiment of the present invention.
The terminal 300 may include: processor 310, memory 320, and communication module 330. The components may communicate via one or more buses, and it will be appreciated by those skilled in the art that the configuration of the server as shown in the drawings is not limiting of the invention, as it may be a bus-like structure, a star-like structure, or include more or fewer components than shown, or may be a combination of certain components or a different arrangement of components.
The memory 320 may be used to store instructions for execution by the processor 310, and the memory 320 may be implemented by any type of volatile or non-volatile memory terminal or combination thereof, such as Static Random Access Memory (SRAM), electrically erasable programmable read-only memory (EEPROM), erasable programmable read-only memory (EPROM), programmable read-only memory (PROM), read-only memory (ROM), magnetic memory, flash memory, magnetic disk, or optical disk. The execution of the instructions in memory 320, when executed by processor 310, enables terminal 300 to perform some or all of the steps in the method embodiments described below.
The processor 310 is a control center of the storage terminal, connects various parts of the entire electronic terminal using various interfaces and lines, and performs various functions of the electronic terminal and/or processes data by running or executing software programs and/or modules stored in the memory 320, and invoking data stored in the memory. The processor may be comprised of an integrated circuit (Integrated Circuit, simply referred to as an IC), for example, a single packaged IC, or may be comprised of a plurality of packaged ICs connected to the same function or different functions. For example, the processor 310 may include only a central processing unit (Central Processing Unit, simply CPU). In the embodiment of the invention, the CPU can be a single operation core or can comprise multiple operation cores.
And a communication module 330, configured to establish a communication channel, so that the storage terminal can communicate with other terminals. Receiving user data sent by other terminals or sending the user data to other terminals.
The present invention also provides a computer storage medium in which a program may be stored, which program may include some or all of the steps in the embodiments provided by the present invention when executed. The storage medium may be a magnetic disk, an optical disk, a read-only memory (ROM), a random-access memory (random access memory, RAM), or the like.
Therefore, the invention establishes connection between the comprehensive refund platform and the third party database by collecting the user list needing refund, directly obtains the official data of the third party database based on the user list needing to be removed, and matches the obtained official data with the historical user information; if the official identity card information verification is successful, the real estate card information verification is not needed, so that the method is convenient and efficient; if the official identity card information verification is inconsistent, carrying out the house property card information verification, wherein the process is suitable for the condition of pre-stored information errors; if the old people with inconvenient actions and no operation do transact, the historical household registration information can be extracted and matched with the official household registration information acquired from the third party database for verification; authorization delegation verification can be performed, the process is suitable for users without relatives, and others can make help based on authorization delegation; and after the verification is successful, the financial account verification is executed, so that the financial account is directly verified, and the phenomenon of money drawing failure does not need to occur. The technical effects achieved by this embodiment may be referred to above, and will not be described herein.
It will be apparent to those skilled in the art that the techniques of embodiments of the present invention may be implemented in software plus a necessary general purpose hardware platform. Based on such understanding, the technical solution in the embodiments of the present invention may be embodied essentially or in a part contributing to the prior art in the form of a software product stored in a storage medium such as a U-disc, a mobile hard disc, a Read-Only Memory (ROM), a random access Memory (RAM, random Access Memory), a magnetic disk or an optical disk, etc. various media capable of storing program codes, including several instructions for causing a computer terminal (which may be a personal computer, a server, or a second terminal, a network terminal, etc.) to execute all or part of the steps of the method described in the embodiments of the present invention.
The same or similar parts between the various embodiments in this specification are referred to each other. In particular, for the terminal embodiment, since it is substantially similar to the method embodiment, the description is relatively simple, and reference should be made to the description in the method embodiment for relevant points.
In the several embodiments provided by the present invention, it should be understood that the disclosed systems and methods may be implemented in other ways. For example, the system embodiments described above are merely illustrative, e.g., the division of the modules is merely a logical function division, and there may be additional divisions when actually implemented, e.g., multiple modules or components may be combined or integrated into another system, or some features may be omitted or not performed. Alternatively, the coupling or direct coupling or communication connection shown or discussed with respect to each other may be through some interface, indirect coupling or communication connection of systems or modules, electrical, mechanical, or other form.
The modules described as separate components may or may not be physically separate, and components shown as modules may or may not be physical modules, i.e., may be located in one place, or may be distributed over a plurality of network modules. Some or all of the modules may be selected according to actual needs to achieve the purpose of the solution of this embodiment.
In addition, each functional module in each embodiment of the present invention may be integrated into one processing module, or each module may exist alone physically, or two or more modules may be integrated into one module.
Although the present invention has been described in detail by way of preferred embodiments with reference to the accompanying drawings, the present invention is not limited thereto. Various equivalent modifications and substitutions may be made in the embodiments of the present invention by those skilled in the art without departing from the spirit and scope of the present invention, and it is intended that all such modifications and substitutions be within the scope of the present invention/be within the scope of the present invention as defined by the appended claims. Therefore, the protection scope of the present invention shall be subject to the protection scope of the claims.
Claims (8)
1. A quick return method, comprising:
receiving a user refund request, extracting a face image from the user refund request, and matching historical user information based on the face image, wherein the historical user information comprises historical identity card information, historical property card information and historical household registration information;
extracting official data from a third party database based on the historical user information, the official data comprising official identification card information, official house property card information and official household registration information;
judging whether the historical identity card information is matched with the official identity card information or not:
if yes, executing the fee refund operation;
if not, matching the historical property certificate information with the official property certificate information;
if yes, executing the fee refund operation;
if not, judging whether the historical household registration information is matched with the official household registration information or not:
if the historical customer information is matched with the household registration information, executing a refund operation;
if the historical customer information is not matched with the household registration information, not executing the refund operation, and returning failure prompt information;
the executing the refund operation includes:
inquiring balance data of the user from a local database;
based on the balance data, invoking a financial service platform to trade balance to a financial account of the user;
the user refund request further includes: electronic authorization commission;
extracting authorization commission information from the electronic authorization commission, and matching historical identity card information in historical user information according to the authorization commission information;
the electronic authorization proxy book comprises a proxy name, a proxy identity card number, proxy matters, proxy rights, a proxy scope, a proxy deadline and a signature and date of the proxy.
2. The method of claim 1, wherein the official data further comprises: official financial account information;
before the balance is traded to the financial account of the user, the financial account information of the user is matched with the official financial account information, if the balance is successfully traded to the financial account of the user, the user is prompted to replace the financial account if the balance is not successfully matched.
3. The method of claim 1, wherein the third party database comprises:
the official identity card information and the official account information are obtained through connection with the public security bureau identity system database, the official property card information is obtained through connection with the house management bureau database, and the financial account information is obtained through connection with the financial institution database.
4. A quick return system, comprising: a comprehensive refund platform;
the face recognition module is used for receiving a user refund request, extracting a face image from the user refund request, and matching historical user information based on the face image, wherein the historical user information comprises historical identity card information, historical property card information and historical household registration information;
the official information acquisition module is used for extracting official data from a third party database based on the historical user information, wherein the historical user information comprises historical identity card information, historical property card information and historical household registration information;
the refund module is used for refunding personal fees; judging whether the historical identity card information is matched with the official identity card information or not: if yes, executing the fee refund operation; if not, matching the historical property certificate information with the official property certificate information; if yes, executing the fee refund operation; if not, not executing the refund operation, and returning failure prompt information;
the financial account judging module is used for judging whether the financial account of the user is matched with the official financial account; if yes, executing the fee refund operation; if not, not executing the refund operation, and returning failure prompt information;
the refund execution module inquires balance data of the user from a local database; based on the balance data, invoking a financial service platform to trade balance to a financial account of the user;
the comprehensive refund platform further comprises:
the authorization commission refund module comprises character extraction equipment, is used for extracting the name of an agent, the name of a commissioned person, the identity card number of the commissioned person, the agent matters, the agent authority, the agent scope, the agent period and the signature and date of the commissioned person in the electronic authorization commission, and obtains authorization commission information; judging whether the historical identity card information is matched with the authorization delegation information or not: if the historical user information is matched with the authorization delegation information, executing a refund operation; if the historical identity card is not matched with the authorization delegation information, no refund operation is executed, and failure prompt information is returned.
5. The system of claim 4, wherein the integrated refund platform further comprises:
and the official financial account module is used for matching the financial account information of the user with the official financial account information before the balance is traded to the financial account of the user, and prompting the user to replace the financial account if the balance is traded to the financial account of the user successfully.
6. The system of claim 4, wherein the official information acquisition module further comprises:
and the third party database unit is used for acquiring the official identity card information and the official account information through connection with the public security bureau identity system database, acquiring the official property card information through connection with the house management bureau database and acquiring the financial account information through connection with the financial institution database.
7. A terminal, comprising:
the memory is used for storing a quick refund program;
a processor for implementing the steps of a quick refund procedure as claimed in any one of claims 1-3 when executing said quick refund procedure.
8. A computer readable storage medium storing a computer program, characterized in that the readable storage medium has stored thereon a fast refund program, which when executed by a processor, implements the steps of the fast refund method according to any of claims 1-3.
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| CN116777447A (en) | 2023-09-19 |
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