CN118015762A - Processing method and device of withdrawal service, storage medium and electronic equipment - Google Patents

Processing method and device of withdrawal service, storage medium and electronic equipment Download PDF

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Publication number
CN118015762A
CN118015762A CN202410237694.4A CN202410237694A CN118015762A CN 118015762 A CN118015762 A CN 118015762A CN 202410237694 A CN202410237694 A CN 202410237694A CN 118015762 A CN118015762 A CN 118015762A
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China
Prior art keywords
information
user
withdrawal
reservation
service
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孙宁
陈海平
高峰
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Industrial and Commercial Bank of China Ltd ICBC
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Industrial and Commercial Bank of China Ltd ICBC
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Priority to CN202410237694.4A priority Critical patent/CN118015762A/en
Publication of CN118015762A publication Critical patent/CN118015762A/en
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    • G—PHYSICS
    • G07—CHECKING-DEVICES
    • G07F—COIN-FREED OR LIKE APPARATUS
    • G07F19/00—Complete banking systems; Coded card-freed arrangements adapted for dispensing or receiving monies or the like and posting such transactions to existing accounts, e.g. automatic teller machines
    • G07F19/20—Automatic teller machines [ATMs]
    • G07F19/203—Dispensing operations within ATMs
    • 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
    • G—PHYSICS
    • G07—CHECKING-DEVICES
    • G07F—COIN-FREED OR LIKE APPARATUS
    • G07F19/00—Complete banking systems; Coded card-freed arrangements adapted for dispensing or receiving monies or the like and posting such transactions to existing accounts, e.g. automatic teller machines
    • G07F19/20—Automatic teller machines [ATMs]
    • G07F19/206—Software aspects at ATMs
    • G—PHYSICS
    • G07—CHECKING-DEVICES
    • G07F—COIN-FREED OR LIKE APPARATUS
    • G07F19/00—Complete banking systems; Coded card-freed arrangements adapted for dispensing or receiving monies or the like and posting such transactions to existing accounts, e.g. automatic teller machines
    • G07F19/20—Automatic teller machines [ATMs]
    • G07F19/211—Software architecture within ATMs or in relation to the ATM network

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  • Business, Economics & Management (AREA)
  • Accounting & Taxation (AREA)
  • Finance (AREA)
  • Physics & Mathematics (AREA)
  • General Physics & Mathematics (AREA)
  • Engineering & Computer Science (AREA)
  • Computer Security & Cryptography (AREA)
  • Strategic Management (AREA)
  • General Business, Economics & Management (AREA)
  • Theoretical Computer Science (AREA)
  • Software Systems (AREA)
  • Management, Administration, Business Operations System, And Electronic Commerce (AREA)

Abstract

The application discloses a processing method and device of a withdrawal service, a storage medium and electronic equipment. Relates to the field of Internet of things and the field of financial science and technology. The method comprises the following steps: receiving reservation information sent by a user, and generating verification information according to the reservation information, wherein the reservation information is used for reserving a withdrawal service, and the verification information is used for determining the identity of the user; receiving withdrawal information input by a user, and comparing the withdrawal information with verification information to obtain a comparison result; and determining prompt information output to the user according to the comparison result, and indicating the user to execute the withdrawal service in the withdrawal cabinet through the prompt information. The application solves the problems of long time consumption and low efficiency of handling the physical business at the counter of the financial institution in the related technology.

Description

Processing method and device of withdrawal service, storage medium and electronic equipment
Technical Field
The application relates to the field of Internet of things and the field of financial science and technology, in particular to a processing method and device of a withdrawal service, a storage medium and electronic equipment.
Background
In the business process of the traditional financial institution, when a user withdraws money or takes a bill and other businesses which need to be completed off line, a commonly used method is to transact on-line counter at a website, but because the counter transacts business for staff, under the condition of the business which involves a large amount of cash and bills, the problems of scattered physical management, more circulation links, more manual operation and the like of the bill, cash and the like can occur, the business is abnormal, and under the condition of a large number of users who transact on line, the users are required to wait in a queue, thereby causing the waste of user time.
Aiming at the problems of long time consumption and low efficiency of handling physical business at a counter of a financial institution in the related art, no effective solution is proposed at present.
Disclosure of Invention
The application provides a processing method, a processing device, a storage medium and electronic equipment for a withdrawal service, which are used for solving the problems of long time consumption and low efficiency of handling physical service at a counter of a financial institution in the related technology.
According to one aspect of the present application, a method of processing a withdrawal service is provided. The method comprises the following steps: receiving reservation information sent by a user, and generating verification information according to the reservation information, wherein the reservation information is used for reserving a withdrawal service, and the verification information is used for determining the identity of the user; receiving withdrawal information input by a user, and comparing the withdrawal information with verification information to obtain a comparison result; and determining prompt information output to the user according to the comparison result, and indicating the user to execute the withdrawal service in the withdrawal cabinet through the prompt information.
Optionally, after receiving the subscription information sent by the user, the method further comprises: acquiring user information of a user from the reservation information, and judging whether the withdrawal service indicated by the reservation information is abnormal or not according to the user information, the reservation information and preset rules; under the condition that the withdrawal service is abnormal, first alarm information is sent to a user; and executing the step of generating verification information according to the reservation information under the condition that the withdrawal service is not abnormal.
Optionally, determining the prompt information output to the user according to the comparison result includes: under the condition that the comparison result indicates that the withdrawal information is inconsistent with the verification information, determining that the withdrawal service is abnormal, and sending first prompt information to a user, wherein the first prompt information is used for indicating that the withdrawal information is abnormal; and under the condition that the comparison result represents that the withdrawal information is consistent with the verification information, determining that the withdrawal service is not abnormal, and sending second prompt information to the user, wherein the second prompt information comprises the withdrawal cabinet information and the cabinet door number.
Optionally, the method further comprises: acquiring the number of reserved persons on a target date, and acquiring the number of users executing the withdrawal service on the target date to obtain the number of first users; judging whether the number of the reserved persons is equal to the number of the first users; under the condition that the number of reserved persons is not equal to the number of first users, determining target users which do not execute the withdrawal service, and recording the abnormal reserved times of the target users; and when the abnormal reservation times of the target user are larger than the preset times, determining the target user as the abnormal user, and sending third prompt information to the abnormal user under the condition that reservation information sent by the abnormal user is received, wherein the third prompt information is used for informing the abnormal user that reservation withdrawal service is forbidden.
Optionally, before receiving the withdrawal information input by the user, the method further comprises: determining the quantity of cash packages in a cash dispenser to obtain a first quantity, and obtaining the quantity of users executing the cash dispenser service on a target date to obtain a second quantity of users; judging whether the first number is equal to the second number of users; and sending second alarm information to the target branch office under the condition that the first quantity is smaller than the user quantity, wherein the second alarm information is used for informing the target branch office that the package is missing in the cash dispenser cabinet.
Optionally, after the prompt information indicates that the user performs the withdrawal service in the withdrawal cabinet, the method further includes: receiving feedback information sent by a user, generating fourth prompt information according to the feedback information, and sending the fourth prompt information to a target branch office, wherein the fourth prompt information is used for prompting the target branch office that the user withdraws money and business is abnormal; and under the condition that the user does not finish the withdrawal service, re-reserving the withdrawal service according to the reservation information, and sending the reservation result to the terminal equipment of the user.
Optionally, after generating the verification information according to the subscription information, the method further comprises: acquiring user information of a user, and calculating the matching degree between the user and each preset branch mechanism according to the user information to obtain a plurality of matching degrees; sending the mechanism information of each preset branch mechanism to the user according to the sequence from high to low of a plurality of matching degrees; and receiving a branch mechanism selection instruction sent by the user, determining a target branch mechanism according to the branch mechanism selection instruction, and sending reservation information to the target branch mechanism.
According to another aspect of the present application, a processing apparatus for a withdrawal service is provided. The device comprises: the first receiving unit is used for receiving reservation information sent by a user and generating verification information according to the reservation information, wherein the reservation information is used for reserving a withdrawal service, and the verification information is used for determining the identity of the user; the comparison unit is used for receiving the withdrawal information input by the user, and comparing the withdrawal information with the verification information to obtain a comparison result; and the indicating unit is used for determining prompt information output to the user according to the comparison result and indicating the user to execute the withdrawal service in the withdrawal cabinet through the prompt information.
According to another aspect of the present invention, there is also provided a computer storage medium for storing a program, wherein the program is executed to control a device in which the computer storage medium is located to execute a processing method of a withdrawal service.
According to another aspect of the present invention, there is also provided an electronic device comprising one or more processors and a memory; the memory stores computer readable instructions, and the processor is configured to execute the computer readable instructions, where the computer readable instructions execute a method for processing a withdrawal transaction when executed.
According to the application, the following steps are adopted: receiving reservation information sent by a user, and generating verification information according to the reservation information, wherein the reservation information is used for reserving a withdrawal service, and the verification information is used for determining the identity of the user; receiving withdrawal information input by a user, and comparing the withdrawal information with verification information to obtain a comparison result; and determining prompt information output to the user according to the comparison result, and indicating the user to execute the withdrawal service in the withdrawal cabinet through the prompt information. The problems of long time consumption and low efficiency of handling physical business at a counter of a financial institution in the related art are solved. By generating verification information according to the reservation information and determining the identity of the user according to the verification information, different prompt information is sent to the user, and the user with no identity can execute the withdrawal service in the withdrawal cabinet of the target branch office according to the prompt information, so that the effect of improving the handling efficiency of the physical service is achieved.
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 embodiments of the application and together with the description serve to explain the application. In the drawings:
FIG.1 is a flow chart of a method of processing a withdrawal transaction provided in accordance with an embodiment of the present application;
FIG. 2 is a flow chart of an alternative abnormal user identification procedure provided in accordance with an embodiment of the present application;
FIG. 3 is a schematic diagram of a processing device for a withdrawal service provided according to an embodiment of the present application;
fig. 4 is a schematic diagram of an electronic device according to an embodiment of the present application.
Detailed Description
It should be noted that, without conflict, the embodiments of the present application and features of the embodiments may be combined with each other. The application will be described in detail below with reference to the drawings in connection with embodiments.
In order that those skilled in the art will better understand the present application, a technical solution in the embodiments of the present application will be clearly and completely described below with reference to the accompanying drawings in which it is apparent that the described embodiments are only some embodiments of the present application, not all embodiments. All other embodiments, which can be made by those skilled in the art based on the embodiments of the present application without making any inventive effort, shall fall within the scope of the present application.
It should be noted that the terms "first," "second," and the like in the description and the claims of the present application and the above figures are used for distinguishing between similar objects and not necessarily for describing a particular sequential or chronological order. It is to be understood that the data so used may be interchanged where appropriate in order to describe the embodiments of the application herein. Furthermore, the terms "comprises," "comprising," and "having," and any variations thereof, are intended to cover a non-exclusive inclusion, such that a process, method, system, article, or apparatus that comprises a list of steps or elements is not necessarily limited to those steps or elements expressly listed but may include other steps or elements not expressly listed or inherent to such process, method, article, or apparatus.
It should be noted that the processing method, apparatus, storage medium and electronic device for a withdrawal service determined in the present disclosure may be used in the field of the internet of things, or may be used in any field other than the field of the internet of things, and the application fields of the processing method, apparatus, storage medium and electronic device for a withdrawal service determined in the present disclosure are not limited.
It should be noted that, the user information (including but not limited to user equipment information, user personal information, etc.) and the data (including but not limited to data for analysis, stored data, presented data, etc.) related to the present application are information and data authorized by the user or fully authorized by each party, and the collection, use and processing of the related data need to comply with the related regulations and standards, and are provided with corresponding operation entries for the user to select authorization or rejection. For example, an interface is provided between the system and the relevant user or institution, before acquiring the relevant information, the system needs to send an acquisition request to the user or institution through the interface, and acquire the relevant information after receiving the consent information fed back by the user or institution.
It should be noted that, the collected information used in the application is information and data authorized by the user or fully authorized by each party, and the processes of collection, storage, use, processing, transmission, provision, disclosure, application and the like of the related data all obey the related laws and regulations and standards of the related region, necessary security measures are taken, the public welcome is not violated, and a corresponding operation entrance is provided for the user to select authorized use or refused use.
According to the embodiment of the application, a processing method of a withdrawal service is provided.
Fig. 1 is a flowchart of a method for processing a withdrawal service according to an embodiment of the present application. As shown in fig. 1, the method comprises the steps of:
step S101, reservation information sent by a user is received, and verification information is generated according to the reservation information, wherein the reservation information is used for reserving a withdrawal service, and the verification information is used for determining the identity of the user.
Specifically, after receiving the reservation information sent by the user, the withdrawal application in the financial institution can read data included in the reservation information, such as user information, withdrawal time, withdrawal amount, whether a bill is needed, and the like, and after acquiring the reservation information, can firstly generate verification information according to the reservation information, wherein the verification information is used for confirming whether the user withdrawing to the withdrawal cabinet is the user corresponding to the reservation information, so that the accuracy and the safety of the withdrawal operation are ensured.
After verification information is generated, the background of the withdrawal application can send relevant information of the withdrawal service to a branch office which wants to withdraw money by the user, and after the branch office receives the information of the withdrawal service, the branch office can finish cash transportation, cash counting and cash cabinet entering operations before reservation time according to the information, so that the user can directly take out needed cash when the reservation time is reached, waiting is not needed, and timeliness of withdrawal is further guaranteed.
For example, the customer completes the reservation withdrawal order by a mobile banking application; the cash operation center transmits cash to the branch office according to the content of the reserved cash withdrawal order of the client, business personnel of the branch office confirms the cash according to the reserved cash withdrawal order, and the cash package is stored in the cash cabinet, so that a user waits for acquiring the cash package at reserved time.
Step S102, receiving withdrawal information input by a user, and comparing the withdrawal information with verification information to obtain a comparison result.
Specifically, when the reservation time is reached, the user can go to the cash dispenser to withdraw money, at this time, the user needs to input cash withdrawal information on the cash withdrawal application or the interactive equipment on the cash dispenser at first, after receiving the cash withdrawal information, the cash withdrawal information is compared with the verification information, so that whether the user can withdraw money is determined, and according to the cash withdrawal information, the position of the cash parcel where the user can withdraw money is confirmed, and further the safe cash withdrawal of the cash parcel is ensured.
For example, the user may input withdrawal information on the withdrawal application, where the withdrawal application may enable the user to input withdrawal information, such as a name, an account name, a password, and facial information, that is required for verification during withdrawal.
Step S103, determining prompt information output to the user according to the comparison result, and indicating the user to execute the withdrawal service in the withdrawal cabinet through the prompt information.
Specifically, under the condition that the comparison result indicates that the withdrawal information is consistent with the verification information, the user can be represented to withdraw money, at the moment, the withdrawal application can send prompt information to the terminal equipment of the user, the user can open a certain cabinet in the withdrawal cabinet located in the target branch office according to the prompt information, and cash packages in the cabinet are taken away, so that the withdrawal business operation is completed.
It should be noted that, under the condition that the withdrawal information is inconsistent with the verification information, the user is represented that the withdrawal operation cannot be executed, at this time, prompt information still needs to be sent to the user to inform the user that the withdrawal operation cannot be executed, the user can feed back to service personnel in the target branch bank, so that the reason why the withdrawal operation cannot be executed is determined, the withdrawal mode by adopting the withdrawal cabinet is achieved, the workload of the service personnel is reduced, the service personnel is assisted to complete the withdrawal service, the withdrawal duration of the user is reduced, and the withdrawal efficiency is improved.
According to the processing method of the withdrawal service, which is provided by the embodiment of the application, reservation information sent by a user is received, and verification information is generated according to the reservation information, wherein the reservation information is used for reserving the withdrawal service, and the verification information is used for determining the identity of the user; receiving withdrawal information input by a user, and comparing the withdrawal information with verification information to obtain a comparison result; and determining prompt information output to the user according to the comparison result, and indicating the user to execute the withdrawal service in the withdrawal cabinet through the prompt information. The problems of long time consumption and low efficiency of handling physical business at a counter of a financial institution in the related art are solved. By generating verification information according to the reservation information and determining the identity of the user according to the verification information, different prompt information is sent to the user, and the user with no identity can execute the withdrawal service in the withdrawal cabinet of the target branch office according to the prompt information, so that the effect of improving the handling efficiency of the physical service is achieved.
In order to ensure the security of the withdrawal service, optionally, in the method for processing the withdrawal service provided by the embodiment of the application, after receiving the reservation information sent by the user, the method further includes: acquiring user information of a user from the reservation information, and judging whether the withdrawal service indicated by the reservation information is abnormal or not according to the user information, the reservation information and preset rules; under the condition that the withdrawal service is abnormal, first alarm information is sent to a user; and executing the step of generating verification information according to the reservation information under the condition that the withdrawal service is not abnormal.
It should be noted that, because the grades of the users are different, the amounts of cash business handled by different users in the financial institutions are also different, for example, the class a user can withdraw 10 ten thousand at a time, the class B user can withdraw 20 ten thousand at a time, at this time, when the user withdraws, after receiving the reservation information, it is required to determine whether the user can perform the business to be executed displayed in the reservation information, so as to ensure the security of the withdrawal business.
Specifically, after the reservation information sent by the user is received, the user information needs to be acquired in the reservation information, and whether the user can perform the business handling operation of the business to be handled or not is determined according to the related information of the business to be handled in the reservation information and the user information, at this time, whether the user can handle the business to be handled or not can be determined through a preset rule, wherein the preset rule can be as follows: and the association relationship between the user level and the cash withdrawal amount.
Further, in the case that the user cannot execute the withdrawal service in the reservation information according to the preset rule, for example, the class a user applies for withdrawing 50 ten thousand, at this time, the withdrawal system may send the first alarm information to the user terminal device, after receiving the first alarm information, the user may determine whether to continue the reservation operation according to the content in the first alarm information, and in the case that the reservation needs to be continued, may resubmit the reservation information by modifying the reservation information, so as to complete the reservation operation of the withdrawal service.
Optionally, in the method for processing a withdrawal service provided by the embodiment of the present application, determining, according to a comparison result, prompt information output to a user includes: under the condition that the comparison result indicates that the withdrawal information is inconsistent with the verification information, determining that the withdrawal service is abnormal, and sending first prompt information to a user, wherein the first prompt information is used for indicating that the withdrawal information is abnormal; and under the condition that the comparison result represents that the withdrawal information is consistent with the verification information, determining that the withdrawal service is not abnormal, and sending second prompt information to the user, wherein the second prompt information comprises the withdrawal cabinet information and the cabinet door number.
Specifically, under the condition that the comparison result indicates that the withdrawal information is inconsistent with the verification information, the user is not the same user as the user who sends the reservation information, at the moment, the withdrawal business is determined to be abnormal, first prompt information is sent to the user, and the current user is informed of the failure to execute the withdrawal business through the first prompt information.
Further, under the condition that the comparison result represents that the withdrawal information is consistent with the verification information, the user and the user who sends the reservation information are the same user, at the moment, related information of the withdrawal cabinet, such as a cabinet door number, withdrawal cabinet information and the like, can be sent to the user, so that the storage place of cash to be obtained can be determined according to the information, the cabinet door of the withdrawal cabinet is opened through the information, and withdrawal operation is further completed.
In order to improve the execution efficiency of the reserved withdrawal service, optionally, fig. 2 is a flowchart of an optional abnormal user identification flow provided according to an embodiment of the present application, and as shown in fig. 2, in a method for processing a withdrawal service provided by an embodiment of the present application, the method further includes:
Step S201, acquiring the number of reserved persons on a target date, and acquiring the number of users executing the withdrawal service on the target date, so as to obtain the number of first users.
Step S202, judging whether the number of reserved persons is equal to the first user number.
In step S203, in the case where the number of reserved persons is not equal to the number of first users, the target user who does not execute the withdrawal service is determined, and the number of abnormal reservations of the target user is recorded.
Step S204, when the abnormal reservation times of the target user are larger than the preset times, the target user is determined to be the abnormal user, and when reservation information sent by the abnormal user is received, third prompt information is sent to the abnormal user, wherein the third prompt information is used for informing the abnormal user that reservation withdrawal service is forbidden.
It should be noted that, because there may be a plurality of users who reserve to withdraw money in the target date, the cash packages of each user may be stored in the withdrawal cabinet, but because some users may not go to the withdrawal cabinet to perform the withdrawal operation on the target date, some cash packages in the withdrawal cabinet are always located in the withdrawal cabinet, resulting in space waste of the withdrawal cabinet, and when there are more users who reserve to withdraw money, the remaining unsuccessfully reserved users are affected to conduct the withdrawal business.
Therefore, specifically, the number of reserved people reserved for withdrawing on the target date can be acquired first, the reserved people are the number of users expected to withdraw on the target date, the number of users executing the withdrawing service on the target date can be acquired on the day after the target date, the first user number is obtained, the first user number is compared with the reserved people, and accordingly whether the user who completes the withdrawing reserved operation is determined, but does not execute the withdrawing operation is determined, when the target user exists, the user information of the target user needs to be determined, the historical abnormal reserved times of the target user, namely the times of reserved operation but not withdrawing operation are determined, and when the abnormal reserved times are larger than the preset times, the user is determined to be an abnormal user, and the reserved withdrawing service is forbidden, so that the transaction efficiency of the reserved withdrawing service is improved.
In order to ensure that the user can normally acquire the cash parcel, optionally, in the processing method of the withdrawal service provided by the embodiment of the application, before receiving the withdrawal information input by the user, the method further includes: determining the quantity of cash packages in a cash dispenser to obtain a first quantity, and obtaining the quantity of users executing the cash dispenser service on a target date to obtain a second quantity of users; judging whether the first number is equal to the second number of users; and sending second alarm information to the target branch office under the condition that the first quantity is smaller than the user quantity, wherein the second alarm information is used for informing the target branch office that the package is missing in the cash dispenser cabinet.
Specifically, before the user goes to the branch office for picking up cash on the target date, all cash packages to be picked up in the target date need to be placed in the picking up cabinet, so that each user can normally complete the picking up operation. Therefore, it is desirable to determine the amount of cash packages in the cash dispenser prior to the user going to cash withdrawal, and to determine the amount of users going to cash withdrawal on the target date, and to determine whether the amount of cash packages is equal to the amount of cash withdrawal users. And under the condition that the cash parcel quantity is equal to the cash withdrawal user quantity, the cash parcel quantity is characterized to be abnormal.
Further, under the condition that the cash parcel quantity is not equal to the cash withdrawal user quantity, the fact that the cash parcel is lacking in the cash withdrawal cabinet is characterized in that the second warning information needs to be sent to the target branch office, so that the target branch office is informed of the fact that the parcel is lacking in the cash withdrawal cabinet, business personnel of the target branch office can timely check out which user's cash parcel is lacking, and timely place the missing cash parcel in the cash withdrawal cabinet, and therefore users can be guaranteed to normally obtain cash in the cash withdrawal cabinet according to reservation conditions.
That is, by adopting the method, the daytime self-checking check, the daily final-checking machine checking and the statistics of the traffic and the running condition of the equipment can be automatically completed through the cash taking system. The cash taking system can set the risk prevention and control functions of 'equipment self-checking', 'end-of-day clearing', and the like for each cash taking cabinet, can realize the centralized management and maintenance of cash packages, and ensures the asset safety of clients and branch institutions. The equipment self-checking function supports the functions of recovering faults of the equipment of the cash cabinet, checking the package, checking the library and the like, rapidly acquires the package state of the equipment of the cash cabinet, avoids the risks of damage and loss of package objects caused by equipment faults or human errors, and realizes the centralized storage, checking and checking management of the package of the real object by assisting the operation of the service personnel on the daily final check machine and the like.
In order to reduce the operation complexity of the user, optionally, in the method for processing the withdrawal service provided by the embodiment of the application, after the prompt information indicates that the user performs the withdrawal service in the withdrawal cabinet, the method further includes: receiving feedback information sent by a user, generating fourth prompt information according to the feedback information, and sending the fourth prompt information to a target branch office, wherein the fourth prompt information is used for prompting the target branch office that the user withdraws money and business is abnormal; and under the condition that the user does not finish the withdrawal service, re-reserving the withdrawal service according to the reservation information, and sending the reservation result to the terminal equipment of the user.
Specifically, when the user gets the cash, the situation that the user cannot get the cash normally may occur, at this moment, the user may input feedback information on the terminal device or directly on the cash taking cabinet, after receiving the feedback information, the cash taking system may analyze the feedback information, generate prompt information according to the feedback information, and send the prompt information to the target branch office, so as to inform the target branch office that a certain user cannot complete the cash taking operation normally, and the branch operation may determine whether to get the cash taking cabinet device abnormal or not put in cash packages according to the feedback information, so that abnormal cash taking processing can be performed for the user timely.
Further, under the condition that the target branch office cannot normally pick up the cash at the current moment, the cash-out system can reserve the cash-out service for the user according to the reservation information input by the user when reserving the cash-out service, and sends the reservation result to the terminal equipment of the user, so that the user does not need to repeatedly execute the reservation operation again, the service handling time of the user is reduced, and the service handling complexity of the user is reduced.
In order to improve the convenience of the user in picking up the cash, optionally, in the method for processing the cash withdrawal service provided in the embodiment of the present application, after generating the verification information according to the reservation information, the method further includes: acquiring user information of a user, and calculating the matching degree between the user and each preset branch mechanism according to the user information to obtain a plurality of matching degrees; sending the mechanism information of each preset branch mechanism to the user according to the sequence from high to low of a plurality of matching degrees; and receiving a branch mechanism selection instruction sent by the user, determining a target branch mechanism according to the branch mechanism selection instruction, and sending reservation information to the target branch mechanism.
Specifically, after the verification information is generated, a target branch office can be recommended to the user according to the user information of the user, that is, the cash parcel indicated by the reservation information can be prepared in advance by the target branch office according to the reservation information from a plurality of preset branch offices by the cash parcel taking system, so that the user can conveniently finish the cash parcel taking service.
It should be noted that 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 that 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 illustrated herein.
The embodiment of the application also provides a processing device for the withdrawal service, and the processing device for the withdrawal service can be used for executing the processing method for the withdrawal service provided by the embodiment of the application. The following describes a processing device for a withdrawal service provided by an embodiment of the present application.
Fig. 3 is a schematic diagram of a processing device for a withdrawal service according to an embodiment of the present application. As shown in fig. 3, the apparatus includes: a first receiving unit 31, a comparing unit 32, an indicating unit 33.
The first receiving unit 31 is configured to receive reservation information sent by a user, and generate verification information according to the reservation information, where the reservation information is used for reserving a withdrawal service, and the verification information is used for determining a user identity.
And the comparison unit 32 is used for receiving the withdrawal information input by the user and comparing the withdrawal information with the verification information to obtain a comparison result.
And the indicating unit 33 is used for determining prompt information output to the user according to the comparison result and indicating the user to execute the withdrawal service in the withdrawal cabinet through the prompt information.
The processing device for the withdrawal service provided by the embodiment of the application receives the reservation information sent by the user through the first receiving unit 31 and generates the verification information according to the reservation information, wherein the reservation information is used for reserving the withdrawal service, and the verification information is used for determining the identity of the user; the comparison unit 32 receives the withdrawal information input by the user, and compares the withdrawal information with the verification information to obtain a comparison result; the instruction unit 33 determines prompt information output to the user according to the comparison result, and instructs the user to execute the withdrawal service in the withdrawal cabinet through the prompt information. The problems of long time consumption and low efficiency of handling physical business at a counter of a financial institution in the related art are solved. By generating verification information according to the reservation information and determining the identity of the user according to the verification information, different prompt information is sent to the user, and the user with no identity can execute the withdrawal service in the withdrawal cabinet of the target branch office according to the prompt information, so that the effect of improving the handling efficiency of the physical service is achieved.
Optionally, in the processing device for a withdrawal service provided by the embodiment of the present application, after receiving reservation information sent by a user, the device further includes: the first judging unit is used for acquiring user information of a user from the reservation information and judging whether the withdrawal service indicated by the reservation information is abnormal or not according to the user information, the reservation information and a preset rule; the first sending unit is used for sending first alarm information to the user under the condition that the withdrawal service is abnormal; and the execution unit is used for executing the step of generating the verification information according to the reservation information under the condition that the withdrawal service is not abnormal.
Optionally, in the processing device for a withdrawal service provided in the embodiment of the present application, the instruction unit 33 includes: the first sending module is used for determining that the withdrawal service is abnormal under the condition that the comparison result indicates that the withdrawal information is inconsistent with the verification information, and sending first prompt information to a user, wherein the first prompt information is used for indicating that the withdrawal information is abnormal; the second sending module is used for determining that the withdrawal service is not abnormal under the condition that the comparison result represents that the withdrawal information is consistent with the verification information, and sending second prompt information to the user, wherein the second prompt information comprises the withdrawal cabinet information and the cabinet door number.
Optionally, in the processing device for a withdrawal service provided by the embodiment of the present application, the device further includes: the first acquisition unit is used for acquiring the number of the reserved persons on the target date and the number of the users executing the withdrawal service on the target date to obtain the number of the first users; the second judging unit is used for judging whether the number of reserved persons is equal to the number of first users; a first determining unit configured to determine a target user who does not execute the withdrawal service and record an abnormal reservation number of the target user, in a case where the number of reserved persons is not equal to the first number of users; the second sending unit is used for determining the target user as the abnormal user when the abnormal reservation times of the target user are larger than the preset times, and sending third prompt information to the abnormal user when reservation information sent by the abnormal user is received, wherein the third prompt information is used for informing the abnormal user that reservation withdrawal service is forbidden.
Optionally, in the processing device for a withdrawal service provided by the embodiment of the present application, before receiving withdrawal information input by a user, the device further includes: the second determining unit is used for determining the quantity of cash packages in the cash dispenser cabinet to obtain a first quantity, and obtaining the quantity of users executing the cash dispenser service on a target date to obtain a second user quantity; a third judging unit for judging whether the first number is equal to the second number of users; and the third sending unit is used for sending second alarm information to the target branch office under the condition that the first number is smaller than the number of users, wherein the second alarm information is used for informing the target branch office that the package is missing in the cash dispenser cabinet.
Optionally, in the processing device for a withdrawal service provided by the embodiment of the present application, after the prompt information indicates that the user performs the withdrawal service in the withdrawal cabinet, the device further includes: the second receiving unit is used for receiving feedback information sent by a user, generating fourth prompt information according to the feedback information and sending the fourth prompt information to the target branch office, wherein the fourth prompt information is used for prompting the abnormal withdrawal business of the user of the target branch office; and the reservation unit is used for re-reserving the withdrawal service according to the reservation information under the condition that the withdrawal service is not completed by the user and sending the reservation result to the terminal equipment of the user.
Optionally, in the processing device for a withdrawal service provided in the embodiment of the present application, after generating verification information according to reservation information, the device further includes: the second acquisition unit is used for acquiring user information of a user, calculating the matching degree between the user and each preset branch mechanism according to the user information, and obtaining a plurality of matching degrees; a fourth transmitting unit for transmitting the organization information of each preset branch to the user in the order of a plurality of matching degrees from high to low; and the third determining unit is used for receiving the branch mechanism selection instruction sent by the user, determining a target branch mechanism according to the branch mechanism selection instruction and sending reservation information to the target branch mechanism.
The processing device for withdrawal service includes a processor and a memory, wherein the first receiving unit 31, the comparing unit 32, the indicating unit 33, etc. are stored in the memory as program units, and the processor executes the program units stored in the memory to realize corresponding functions.
The processor includes a kernel, and the kernel fetches the corresponding program unit from the memory. The inner core can be provided with one or more than one, and the problems of long time consumption and low efficiency of handling the physical business at the counter of the financial institution in the related technology are solved by adjusting the parameters of the inner core.
The memory may include volatile memory, random Access Memory (RAM), and/or nonvolatile memory, such as Read Only Memory (ROM) or flash memory (flash RAM), among other forms in computer readable media, the memory including at least one memory chip.
The embodiment of the invention provides a computer readable storage medium, on which a program is stored, which when executed by a processor, implements a method for processing a withdrawal service.
The embodiment of the invention provides a processor which is used for running a program, wherein the processing method of the withdrawal service is executed when the program runs.
Fig. 4 is a schematic diagram of an electronic device according to an embodiment of the present application, and as shown in fig. 4, an electronic device 40 includes a processor, a memory, and a program stored on the memory and executable on the processor, where the processor implements the following steps when executing the program: receiving reservation information sent by a user, and generating verification information according to the reservation information, wherein the reservation information is used for reserving a withdrawal service, and the verification information is used for determining the identity of the user; receiving withdrawal information input by a user, and comparing the withdrawal information with verification information to obtain a comparison result; and determining prompt information output to the user according to the comparison result, and indicating the user to execute the withdrawal service in the withdrawal cabinet through the prompt information. The device herein may be a server, PC, PAD, cell phone, etc.
The application also provides a computer program product adapted to perform, when executed on a data processing device, a program initialized with the method steps of: receiving reservation information sent by a user, and generating verification information according to the reservation information, wherein the reservation information is used for reserving a withdrawal service, and the verification information is used for determining the identity of the user; receiving withdrawal information input by a user, and comparing the withdrawal information with verification information to obtain a comparison result; and determining prompt information output to the user according to the comparison result, and indicating the user to execute the withdrawal service in the withdrawal cabinet through the prompt information.
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.
In one typical configuration, a computing device includes one or more processors (CPUs), input/output interfaces, network interfaces, and memory.
The memory may include volatile memory in a computer-readable medium, random Access Memory (RAM) and/or nonvolatile memory, etc., such as Read Only Memory (ROM) or flash RAM. Memory is an example of a computer-readable medium.
Computer readable media, including both non-transitory and non-transitory, removable and non-removable media, may implement information storage by any method or technology. The information may be computer readable instructions, data structures, modules of a program, or other data. Examples of storage media for a computer include, but are not limited to, phase change memory (PRAM), static Random Access Memory (SRAM), dynamic Random Access Memory (DRAM), other types of Random Access Memory (RAM), read Only Memory (ROM), electrically Erasable Programmable Read Only Memory (EEPROM), flash memory or other memory technology, compact disc read only memory (CD-ROM), digital Versatile Discs (DVD) or other optical storage, magnetic cassettes, magnetic tape disk storage or other magnetic storage devices, or any other non-transmission medium, which can be used to store information that can be accessed by a computing device. Computer-readable media, as defined herein, does not include transitory computer-readable media (transmission media), such as modulated data signals and carrier waves.
It should also be noted that the terms "comprises," "comprising," or any other variation thereof, are intended to cover a non-exclusive inclusion, such that a process, method, article, or apparatus that comprises a list of elements does not include only those elements but may include other elements not expressly listed or inherent to such process, method, article, or apparatus. Without further limitation, an element defined by the phrase "comprising one … …" does not exclude the presence of other like elements in a process, method, article, or apparatus that comprises an element.
The foregoing is merely exemplary of the present application and is not intended to limit the present application. Various modifications and variations of the present application will be apparent to those skilled in the art. Any modification, equivalent replacement, improvement, etc. which come within the spirit and principles of the application are to be included in the scope of the claims of the present application.

Claims (10)

1. A method for processing a withdrawal service, comprising:
Receiving reservation information sent by a user, and generating verification information according to the reservation information, wherein the reservation information is used for reserving a withdrawal service, and the verification information is used for determining the identity of the user;
Receiving withdrawal information input by a user, and comparing the withdrawal information with the verification information to obtain a comparison result;
And determining prompt information output to the user according to the comparison result, and indicating the user to execute the withdrawal service in a withdrawal cabinet through the prompt information.
2. The method of claim 1, wherein after receiving the reservation information transmitted by the user, the method further comprises:
Acquiring user information of the user from the reservation information, and judging whether the withdrawal service indicated by the reservation information is abnormal or not according to the user information, the reservation information and a preset rule;
Under the condition that the withdrawal service is abnormal, first alarm information is sent to the user;
And executing the step of generating verification information according to the reservation information under the condition that the withdrawal service is not abnormal.
3. The method of claim 1, wherein determining the reminder information to output to the user based on the comparison result comprises:
Determining that the withdrawal service is abnormal under the condition that the comparison result indicates that the withdrawal information is inconsistent with the verification information, and sending first prompt information to the user, wherein the first prompt information is used for indicating that the withdrawal information is abnormal;
And under the condition that the comparison result represents that the withdrawal information is consistent with the verification information, determining that the withdrawal service is not abnormal, and sending second prompt information to the user, wherein the second prompt information comprises withdrawal cabinet information and a cabinet door number.
4. The method according to claim 1, wherein the method further comprises:
Acquiring the number of reserved persons on a target date, and acquiring the number of users executing the withdrawal service on the target date to obtain the number of first users;
Judging whether the number of the reserved persons is equal to the first user number;
Under the condition that the number of the reserved persons is not equal to the number of the first users, determining target users which do not execute the withdrawal service, and recording the abnormal reserved times of the target users;
And when the abnormal reservation times of the target user are larger than the preset times, determining the target user as an abnormal user, and sending third prompt information to the abnormal user when reservation information sent by the abnormal user is received, wherein the third prompt information is used for informing the abnormal user that reservation of the withdrawal service is forbidden.
5. The method of claim 1, wherein prior to receiving the withdrawal information entered by the user, the method further comprises:
Determining the quantity of cash packages in the cash dispenser to obtain a first quantity, and obtaining the quantity of users executing the cash dispenser service on a target date to obtain a second quantity of users;
Judging whether the first number is equal to the second number of users;
And sending second alarm information to a target branch office under the condition that the first quantity is smaller than the user quantity, wherein the second alarm information is used for informing the target branch office that the package is missing in the cash dispenser cabinet.
6. The method of claim 1, wherein after instructing the user to perform the withdrawal service at a withdrawal cabinet via the prompt message, the method further comprises:
Receiving feedback information sent by the user, generating fourth prompt information according to the feedback information, and sending the fourth prompt information to a target branch office, wherein the fourth prompt information is used for prompting the target branch office that the withdrawal service of the user is abnormal;
And under the condition that the user does not finish the withdrawal service, re-reserving the withdrawal service according to the reservation information, and sending a reservation result to the terminal equipment of the user.
7. The method of claim 1, wherein after generating authentication information from the subscription information, the method further comprises:
Acquiring user information of the user, and calculating the matching degree between the user and each preset branch mechanism according to the user information to obtain a plurality of matching degrees;
sending the mechanism information of each preset branch mechanism to the user according to the sequence from high to low of the matching degrees;
and receiving a branch office selection instruction sent by the user, determining a target branch office according to the branch office selection instruction, and sending the reservation information to the target branch office.
8. A processing device for a withdrawal service, comprising:
The first receiving unit is used for receiving reservation information sent by a user and generating verification information according to the reservation information, wherein the reservation information is used for reserving a withdrawal service, and the verification information is used for determining the identity of the user;
The comparison unit is used for receiving withdrawal information input by a user, and comparing the withdrawal information with the verification information to obtain a comparison result;
And the indicating unit is used for determining prompt information output to the user according to the comparison result and indicating the user to execute the withdrawal service in the withdrawal cabinet through the prompt information.
9. A computer storage medium for storing a program, wherein the program when executed controls a device in which the computer storage medium is located to execute the method of processing a withdrawal service according to any one of claims 1 to 7.
10. An electronic device comprising one or more processors and a memory for storing one or more programs, wherein the one or more programs, when executed by the one or more processors, cause the one or more processors to implement the method of processing a withdrawal transaction of any one of claims 1 to 7.
CN202410237694.4A 2024-03-01 2024-03-01 Processing method and device of withdrawal service, storage medium and electronic equipment Pending CN118015762A (en)

Priority Applications (1)

Application Number Priority Date Filing Date Title
CN202410237694.4A CN118015762A (en) 2024-03-01 2024-03-01 Processing method and device of withdrawal service, storage medium and electronic equipment

Applications Claiming Priority (1)

Application Number Priority Date Filing Date Title
CN202410237694.4A CN118015762A (en) 2024-03-01 2024-03-01 Processing method and device of withdrawal service, storage medium and electronic equipment

Publications (1)

Publication Number Publication Date
CN118015762A true CN118015762A (en) 2024-05-10

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Country Status (1)

Country Link
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