WO2017000524A1

WO2017000524A1 - Card-free withdrawal method and apparatus

Info

Publication number: WO2017000524A1
Application number: PCT/CN2015/099456
Authority: WO
Inventors: 余家奇
Original assignee: 百度在线网络技术（北京）有限公司
Priority date: 2015-06-29
Filing date: 2015-12-29
Publication date: 2017-01-05
Also published as: CN105096474A

Abstract

A card-free withdrawal method and apparatus. The card-free withdrawal method comprises: receiving a card-free withdrawal request of a user; determining a withdrawal server based on a geographic position of the user; sending the card-free withdrawal request to the withdrawal server; and providing a card-free withdrawal slip for the user in response to a situation where the withdrawal server confirms the card-free withdrawal request. Card-free withdrawal can be performed by means of servers of any banks, thereby improving the user experience.

Description

Cardless withdrawal method and device

Cross-reference to related applications

The present application claims priority to the Chinese Patent Application No. No. No. No. No. No. No. No. No. No. No.

Technical field

The present application relates to the field of Internet technologies, and specifically relates to the field of Internet financial technologies, and in particular, to a cardless withdrawal method and apparatus.

Background technique

With the continuous development of Internet technology, various Internet-based services have greatly facilitated people's daily lives. Cardless withdrawals are an Internet-based convenience service program opened by major banks. The user can make an appointment to withdraw money through the bank homepage or mobile banking, and then, by means of the mobile phone number bound with the bank card, the authorization code sent by the bank, etc., the card-free withdrawal can be made to the bank's automatic teller machine within the validity period of the reservation. Therefore, the user can be smoothly cashed out without carrying a bank card, which obviously improves the convenience of the user to withdraw money.

However, the cardless withdrawal schemes of the prior art are limited to being carried out within the same bank. That is to say, any one of the ATMs only supports the cardless withdrawal operation of the bank account, and cannot support the cross-bank cardless withdrawal operation. If the user cannot find an ATM corresponding to the bank card they are holding, or if the ATM is far away, the user cannot make cardless withdrawals.

Summary of the invention

In view of the above-mentioned deficiencies or deficiencies in the prior art, it is desirable to provide a solution capable of cardless withdrawal from any bank. In order to achieve the above object, the present application provides a cardless withdrawal method and apparatus.

In a first aspect, the present application provides a cardless withdrawal method, the method comprising: receiving a cardless withdrawal request of a user; determining a withdrawal server based on a geographic location of the user; and transmitting the cardless withdrawal request to the And a withdrawal server; and providing the cardless withdrawal certificate to the user in response to the withdrawal server confirming the cardless withdrawal request.

In a second aspect, the present application provides a cardless withdrawal device, the apparatus comprising: a receiving module, configured to receive a cardless withdrawal request of a user; and a positioning module, configured to determine a withdrawal server based on a geographic location of the user; a module, configured to send the cardless withdrawal request to the withdrawal server; and a response module, configured to provide the cardless withdrawal certificate to the user in response to the withdrawal server confirming the cardless withdrawal request.

The cardless withdrawal method and device provided by the application can receive a card-free withdrawal request initiated by a user, and forward it to a withdrawal server determined based on the geographical location of the user, and then, after the withdrawal server confirms the request, the card-free withdrawal is performed. The voucher is provided to the user. The user location is used to determine the server that can provide the cardless withdrawal service, and the cardless request is sent to the server, which avoids the defect that the cardless withdrawal must be performed from the specific withdrawal server, and the convenience of cardless withdrawal is improved.

DRAWINGS

Other features, objects, and advantages of the present application will become more apparent from the detailed description of the accompanying drawings.

FIG. 1 illustrates an exemplary system architecture to which embodiments of the present application may be applied;

2 illustrates an exemplary flow chart of a cardless withdrawal method in accordance with one embodiment of the present application;

FIG. 3 illustrates an exemplary flowchart of a cardless withdrawal method according to another embodiment of the present application;

FIG. 4 is a schematic structural diagram of a cardless withdrawal device according to an embodiment of the present application; FIG.

FIG. 5 is a block diagram showing the structure of a computer system suitable for implementing the terminal device or server of the embodiment of the present application.

detailed description

The present application will be further described in detail below with reference to the accompanying drawings and embodiments. Understand The specific embodiments described herein are merely illustrative of the invention, rather than the invention. It is also to be noted that, for the convenience of description, only the parts related to the related invention are shown in the drawings.

It should be noted that the embodiments in the present application and the features in the embodiments may be combined with each other without conflict. The present application will be described in detail below with reference to the accompanying drawings.

FIG. 1 illustrates an exemplary system architecture 100 in which embodiments of the present application may be applied.

As shown in FIG. 1, system architecture 100 can include terminal device 101, network 102, and

servers

103, 104. The network 102 is used to provide a medium for communication links between the terminal device 101 and the

servers

103, 104. Network 102 can include a variety of connection types, such as wired, wireless communication links, fiber optic cables, and the like.

The user 110 can interact with the server 103 or the server 104 through the network 102 using the terminal device 101, and the server 103 and the server 104 can also interact with each other through the network 102 to receive or transmit messages and the like. Various communication client applications, such as instant messaging tools, email clients, social platform software, bank client software, etc., can be installed on the terminal device 101.

The terminal device 101 can be a variety of electronic devices including, but not limited to, personal computers, smart phones, smart watches, tablets, personal digital assistants, and the like.

The

servers

103, 104 may be servers that provide various services. The server may store, analyze, and the like the received data, and feed back the processing result to the terminal device, or further send the data to other servers according to the analysis result for further processing by other servers.

It should be understood that the number of terminal devices, networks, and servers in Figure 1 is merely illustrative. Depending on the implementation needs, there can be any number of terminal devices, networks, and servers.

With further reference to FIG. 2, an exemplary flow chart of a cardless withdrawal method in accordance with one embodiment of the present application is shown. It should be noted that the cardless withdrawal method provided by the embodiment of the present application may be completed by a third-party payment platform independent of the user and the bank, and all steps of the method may be performed by the server of the third-party payment platform, This server is simply referred to as a third-party server.

As shown in FIG. 2, in step 201, a user's cardless withdrawal request is received.

In this embodiment, the user may initiate a cardless withdrawal request through the mobile client of the third party payment platform, and the cardless withdrawal request may include information such as the withdrawal amount. The cardless withdrawal request can be received by the third party server.

Next, in step 202, a withdrawal server is determined based on the geographic location of the user.

When the third-party server receives the card-free withdrawal request from the user, the third-party server can simultaneously obtain the current geographic location information of the user. Specifically, the client may continuously acquire the geographic location of the user by using a positioning function of the mobile terminal (such as Global Positioning System (GPS) GPS), and send the location of the user to the first time while sending the cardless withdrawal request. Three-party server. After obtaining the geographic location of the user, the third-party server can determine a withdrawal server that can provide the withdrawal service around the user.

In an optional implementation manner of the implementation, the automatic teller machine that provides the withdrawal service may be determined based on the geographic location of the user; the server running the automatic teller machine is used as the withdrawal server. After obtaining the geographic location of the user, the third-party server may first determine the ATM near the geographic location. Specifically, since the ATMs are independently placed by the banks, the third-party server can obtain the location distribution of the ATMs from the databases of the major banks, and can also determine the ATMs in the vicinity of the user's geographic location. The third-party server can then also use the ATM closest to the user as an ATM that provides a withdrawal service. At the same time, the server running the ATM, for example, the server of the bank to which the ATM belongs, can be used as the withdrawal server.

Then, in step 203, the cardless withdrawal request is sent to the withdrawal server.

In this embodiment, after the withdrawal server is determined in the above step 202, the user's cardless withdrawal request may be further sent to the withdrawal server. In a possible implementation manner, if the cardless withdrawal request meets the withdrawal request of the withdrawal server, for example, the withdrawal bank specified in the cardless withdrawal request is a bank corresponding to the withdrawal server, the third party server may directly The cardless withdrawal request is forwarded to the withdrawal server. In another possible implementation manner, if the cardless withdrawal request does not meet the withdrawal request of the withdrawal server, for example, the withdrawal bank is not specified in the cardless withdrawal request, the third party server may supplement the cardless withdrawal request. After it meets the withdrawal request of the withdrawal server, it is sent.

Finally, in step 204, in response to the withdrawal server confirming the cardless withdrawal request, A cardless withdrawal voucher is provided to the user.

After the cardless withdrawal request is sent to the withdrawal server in the above step 203, since the cardless withdrawal request has met the withdrawal request of the withdrawal server, the withdrawal server will confirm the cardless withdrawal request, indicating that the request has taken effect. . At this time, the third-party server can provide the cardless withdrawal certificate to the user, for example, by sending the short message to the user or presenting in the display interface of the mobile client, so that the user can perform cardless withdrawal.

In an optional implementation manner of this embodiment, the cardless withdrawal method further includes: displaying location information of the automatic teller machine. In this embodiment, since the automatic teller machine providing the withdrawal service is determined by the third-party server according to the geographical location of the user, it is also necessary to inform the user of the location information of the automatic teller machine, so as to facilitate the user to withdraw money. In a possible implementation, the location information of the ATM can be described in text and presented on the user terminal. In another possible implementation manner, the navigation application installed in the user terminal can directly navigate the location of the ATM.

The cardless withdrawal method provided by the above embodiment of the present application can receive a card-free withdrawal request initiated by a user, and forward it to a withdrawal server determined based on the geographical location of the user, and then, after the withdrawal server confirms the request, the card-free withdrawal is performed. The credentials are provided to the user. The user location is used to determine the server that can provide the cardless withdrawal service, and the cardless request is sent to the server, which avoids the defect that the cardless withdrawal must be performed from the specific withdrawal server, and the convenience of cardless withdrawal is improved.

With further reference to FIG. 3, an exemplary flow chart of a cardless withdrawal method in accordance with another embodiment of the present application is shown.

As shown in FIG. 3, in step 301, a user's cardless withdrawal request is received.

Next, in step 302, a withdrawal server is determined based on the geographic location of the user.

In the embodiment, the

above steps

301 and 302 are the same as

steps

201 and 202 in FIG. 2, and details are not described herein again.

Then, in step 303, the withdrawal account opened by the withdrawal server is acquired.

In this embodiment, the third-party server may open multiple withdrawal accounts in advance through the withdrawal server. For example, multiple banks may be opened in the name of the third-party payment platform. A public account with only withdrawal rights. After the withdrawal server is determined in the above step 302, any one of the withdrawal accounts opened by the withdrawal server may be acquired.

Next, in step 304, the withdrawal amount in the cardless withdrawal request is transferred from the user's payment account to the withdrawal account.

The card-free withdrawal request includes the amount that the user wants to withdraw. After obtaining the withdrawal account, the withdrawal amount can be transferred from the user's payment account to the withdrawal account. The payment account may be an account that is registered and opened by the user on the third-party payment platform, and the user may bind the bank card to the payment account to transfer funds between the two. If the balance in the payment account is sufficient, the withdrawal amount can be directly transferred from the payment account to the withdrawal account. If the balance in the payment account is insufficient, the withdrawal amount can be transferred from the bank card bound to the payment account to the withdrawal account.

In an optional implementation manner of this embodiment, the method further includes: performing verification on the user's payment account; if the verification is successful, performing the foregoing transfer. In order to ensure the security of the user's funds, the user's payment account needs to be verified before transferring the withdrawal amount to the withdrawal account. The withdrawal amount can be transferred to the withdrawal account only if the verification is successful, that is, when the user is confirmed to have the operation authority for the payment account, and the payment account can perform cardless withdrawal.

Optionally, the verification includes an identity check and a balance check. The identity verification may include confirmation of the username and the login password, and may also include confirmation of the transaction password, and may also include sending verification information to the user's communication number for verification. The balance check may be to check whether the balance in the payment account is greater than the withdrawal amount specified by the user. If it is greater than, the verification is successful. Otherwise, the bank card bound to the payment account can be further checked for balance. Only if the identity verification and balance verification are successful, the verification is successful.

Then, in step 305, based on the withdrawal account, a cardless withdrawal request is initiated to the withdrawal server.

After the funds transfer in the above step 304, the corresponding amount has been used in the withdrawal account to support the user's cardless withdrawal operation. In this way, the third-party server can initiate a card-free withdrawal request to the withdrawal server, requesting cash withdrawal from the withdrawal account through the card-free withdrawal method.

Finally, in step 306, the cardless withdrawal certificate is provided to the user in response to the withdrawal server confirming the cardless withdrawal request.

Since the withdrawal account is opened by the withdrawal server, the cardless withdrawal request based on the withdrawal account meets the requirements of the withdrawal server. After the withdrawal server confirms that the cardless withdrawal request is valid, the third party server can provide the cardless withdrawal certificate to the user.

In an optional implementation manner of this embodiment, the cardless withdrawal certificate includes: an authorization code or a reservation code, and a withdrawal password of the withdrawal account and a bound communication number. In the prior art, the user wants to perform cardless withdrawal through the ATM, and usually needs to input three credentials, that is, a communication number bound to the withdrawal account, such as a mobile phone number, a withdrawal password, and an authorization code or an appointment code. Since the card-free withdrawal process established by each withdrawal server is not completely consistent, some withdrawal servers in the prior art need to input an authorization code for card-free withdrawal, while other withdrawal servers need to input a reservation code for card-free withdrawal. The authorization code may be a sequence of numbers returned by the withdrawal server after confirming the user's cardless withdrawal request. The reservation code is a sequence of numbers that the user enters and provides to the withdrawal server autonomously during the process of initiating a cardless withdrawal request to the withdrawal server. In this embodiment, the withdrawal password and the bound communication number of the withdrawal account are set by the third-party payment platform when the withdrawal account is opened, and can be directly provided to the user. The authorization code can be obtained directly from the withdrawal server. Alternatively, the reservation code may be automatically generated by a third party server, such as generating a random sequence of numbers, or may be determined based on user input.

In an optional implementation manner of this embodiment, the cardless withdrawal method further includes: if the transaction success notification is not received within the preset time period, instructing the withdrawal server to cancel the cardless withdrawal request, and notifying the user that the card is not present. The withdrawal request has expired. In this embodiment, if the third-party server fails to receive the transaction success notification returned by the withdrawal server within a preset time period, for example, within 2 hours of initiating the card-free withdrawal request, the user does not perform the card-free according to the agreement. Withdrawal. At this time, the third party server may instruct the withdrawal server to cancel the cardless withdrawal request, and return the withdrawal amount from the withdrawal account to the user's payment account. Then notify the user that the cardless withdrawal request has expired, and if a cardless withdrawal is required, a new request needs to be initiated. By returning the unclaimed funds from the user to their payment account in time, the security of the user's funds is ensured.

Compared with the embodiment shown in FIG. 2, the cardless withdrawal method provided by the embodiment does not need to make any changes to the existing banking system, and only the withdrawal account opened by the withdrawal server can realize the inter-bank cardless withdrawal. Improve the practicality and availability of cross-bank cardless withdrawals Promotional.

It should be noted that although the operations of the method of the present invention are described in a particular order in the drawings, this is not required or implied that such operations must be performed in that particular order, or that all illustrated operations must be performed to achieve the desired results. . Instead, the steps depicted in the flowcharts can change the order of execution. Additionally or alternatively, certain steps may be omitted, multiple steps being combined into one step, and/or one step being broken down into multiple steps.

Please refer to FIG. 4 , which is a schematic structural diagram of a cardless withdrawal device according to an embodiment of the present application.

As shown in FIG. 4, the cardless withdrawal device 400 can include a receiving module 410, a positioning module 420, a transmitting module 430, and a response module 440.

The receiving module 410 is configured to receive a cardless withdrawal request of the user.

The positioning module 420 is configured to determine a withdrawal server based on a geographic location of the user.

The sending module 430 is configured to send the cardless withdrawal request to the withdrawal server.

The response module 440 is configured to provide the cardless withdrawal certificate to the user in response to the withdrawal server confirming the cardless withdrawal request.

In an optional implementation manner of this embodiment, the positioning module 420 includes: a positioning unit and a determining unit.

a positioning unit for determining an ATM that provides a withdrawal service based on a geographic location of the user.

A determination unit that uses the server running the ATM as a withdrawal server.

In an optional implementation of the embodiment, the cardless withdrawal device 400 further includes a display module for displaying location information of the automated teller machine.

In an optional implementation manner of this embodiment, the sending module 430 includes: an obtaining unit, a transferring unit, and a requesting unit.

The obtaining unit is configured to obtain a withdrawal account opened by the withdrawal server.

The transfer unit is configured to transfer the withdrawal amount in the cardless withdrawal request from the user's payment account to the withdrawal account.

The requesting unit is configured to initiate a cardless withdrawal request to the withdrawal server based on the withdrawal account.

In an optional implementation of this embodiment, the transfer unit is further used to support the user. Pay the account for verification. If the verification is successful, perform the above transfer.

In an optional implementation of this embodiment, the verification includes an identity check and a balance check.

In an optional implementation manner of this embodiment, the cardless withdrawal certificate includes: an authorization code or a reservation code, and a withdrawal password of the withdrawal account and a bound communication number. The authorization code is returned by the withdrawal server, and the reservation code is provided to the withdrawal server.

In an optional implementation of this embodiment, the subscription code is automatically generated or entered by the user.

In an optional implementation of the embodiment, the cardless withdrawal device 400 further includes:

The notification module is configured to instruct the withdrawal server to cancel the cardless withdrawal request when the transaction success notification is not received within the preset time period, and notify the user that the cardless withdrawal request has expired.

It should be understood that the modules or units recited in apparatus 400 correspond to the various steps in the methods described with reference to Figures 2-3. The operations and features described above for the cardless withdrawal method are equally applicable to the device 400 and the modules or units included therein, and are not described herein. Corresponding modules or units in device 400 may cooperate with modules or units in the terminal device and/or server to implement the solution of the embodiments of the present application.

The cardless withdrawal device provided by the above embodiment of the present application can receive a card-free withdrawal request initiated by a user, and forward it to a withdrawal server determined based on the geographical location of the user, and then, after the withdrawal server confirms the request, the card-free withdrawal is performed. The credentials are provided to the user. The user location is used to determine the server that can provide the cardless withdrawal service, and the cardless request is sent to the server, which avoids the defect that the cardless withdrawal must be performed from the specific withdrawal server, and the convenience of cardless withdrawal is improved.

Referring now to Figure 5, there is shown a block diagram of a computer system 500 suitable for use with a terminal device or server implementing an embodiment of the present application.

As shown in FIG. 5, computer system 500 includes a central processing unit (CPU) 501 that can be loaded into a program in random access memory (RAM) 503 according to a program stored in read only memory (ROM) 502 or from storage portion 508. And perform various appropriate actions and processes. The program stored in the read only memory (ROM) 502 or the program loaded from the storage portion 508 into the random access memory (RAM) 503 is executed by the processor (CPU 501) In the line, the processor executes the cardless withdrawal method of the present application. In the RAM 503, various programs and data required for the operation of the system 500 are also stored. The CPU 501, the ROM 502, and the RAM 503 are connected to each other through a bus 504. An input/output (I/O) interface 505 is also coupled to bus 504.

The following components are connected to the I/O interface 505: an input portion 506 including a keyboard, a mouse, etc.; an output portion 507 including, for example, a cathode ray tube (CRT), a liquid crystal display (LCD), and the like, and a storage portion 508 including a hard disk or the like. And a communication portion 509 including a network interface card such as a LAN card, a modem, or the like. The communication section 509 performs communication processing via a network such as the Internet. Driver 510 is also coupled to I/O interface 505 as needed. A removable medium 511 such as a magnetic disk, an optical disk, a magneto-optical disk, a semiconductor memory or the like is mounted on the drive 510 as needed so that a computer program read therefrom is installed into the storage portion 508 as needed.

In particular, the processes described above with reference to the flowcharts may be implemented as a computer software program in accordance with an embodiment of the present disclosure. For example, an embodiment of the present disclosure includes a computer program product comprising a computer program tangibly embodied on a machine readable medium, the computer program comprising program code for executing the method illustrated in the flowchart. In such an embodiment, the computer program can be downloaded and installed from the network via the communication portion 509, and/or installed from the removable medium 511.

The flowchart and block diagrams in the Figures illustrate the architecture, functionality and operation of possible implementations of systems, methods and computer program products in accordance with various embodiments of the invention. In this regard, each block of the flowchart or block diagrams can represent a module, a program segment, or a portion of code that includes one or more logic for implementing the specified. Functional executable instructions. It should also be noted that in some alternative implementations, the functions noted in the blocks may also occur in a different order than that illustrated in the drawings. For example, two successively represented blocks may in fact be executed substantially in parallel, and they may sometimes be executed in the reverse order, depending upon the functionality involved. It is also noted that each block of the block diagrams and/or flowcharts, and combinations of blocks in the block diagrams and/or flowcharts, can be implemented in a dedicated hardware-based system that performs the specified function or operation. Or it can be implemented by a combination of dedicated hardware and computer instructions.

The modules or units involved in the embodiments of the present application may be implemented by software or by hardware. The described unit can also be set in In the processor, for example, it can be described as follows: A processor includes a receiving module, a positioning module, a sending module, and a response module. The names of these modules do not constitute a limitation on the module itself under certain circumstances. For example, the receiving module may also be described as "a module for receiving a user's cardless withdrawal request".

In another aspect, the present application further provides a computer readable storage medium, which may be a computer readable storage medium included in the apparatus described in the foregoing embodiment, or may exist separately, not A computer readable storage medium that is assembled into a terminal. The computer readable storage medium stores one or more programs that are used by one or more processors to perform the cardless withdrawal method described in this application.

The above description is only a preferred embodiment of the present application and a description of the principles of the applied technology. It should be understood by those skilled in the art that the scope of the invention referred to in the present application is not limited to the specific combination of the above technical features, and should also be covered by the above technical features without departing from the inventive concept. Other technical solutions formed by any combination of their equivalent features. For example, the above features are combined with the technical features disclosed in the present application, but are not limited to the technical features having similar functions.

Claims

A cardless withdrawal method, characterized in that the method comprises:

Receiving a user's cardless withdrawal request;

Determining a withdrawal server based on the geographic location of the user;

Sending the cardless withdrawal request to the withdrawal server;

In response to the withdrawal server confirming the cardless withdrawal request, a cardless withdrawal certificate is provided to the user.
The method according to claim 1, wherein the determining the withdrawal server based on the geographic location of the user comprises:

Determining an automated teller machine that provides a withdrawal service based on the geographic location of the user;

The server running the ATM is used as the withdrawal server.
The method of claim 2, further comprising:

Displaying the location information of the ATM.
The method according to claim 1, wherein the sending the cardless withdrawal request to the withdrawal server comprises:

Obtaining a withdrawal account opened by the withdrawal server;

Transferring the withdrawal amount in the cardless withdrawal request from the payment account of the user to the withdrawal account;

And issuing a cardless withdrawal request to the withdrawal server based on the withdrawal account.
The method of claim 4, further comprising:

Checking the payment account of the user;

If the verification is successful, the transfer is performed.
The method of claim 5 wherein said verifying comprises an identity check and a balance check.
The method of claim 4 wherein said cardless withdrawal voucher comprises:

Authorization code or appointment code, and the withdrawal password and the bound communication number of the withdrawal account;

The authorization code is returned by the withdrawal server, and the reservation code is provided to the withdrawal server.
The method of claim 7 wherein said appointment code is automatically generated or entered by a user.
The method according to any one of claims 1 to 8, further comprising:

If the transaction success notification is not received within the preset time period, the withdrawal server is instructed to cancel the cardless withdrawal request, and notify the user that the current cardless withdrawal request has expired.
A cardless withdrawal device, characterized in that the device comprises:

a receiving module, configured to receive a cardless withdrawal request of the user;

a positioning module, configured to determine a withdrawal server based on a geographic location of the user;

a sending module, configured to send the cardless withdrawal request to the withdrawal server;

And a response module, configured to provide the cardless withdrawal certificate to the user in response to the withdrawal server confirming the cardless withdrawal request.
The device according to claim 10, wherein the positioning module comprises:

a positioning unit, configured to determine an automatic teller machine that provides a withdrawal service based on the geographic location of the user;

a determining unit for using a server running the automatic teller machine as the withdrawal server.
The device according to claim 11, further comprising:

a display module for displaying location information of the automated teller machine.
The device according to claim 10, wherein the sending module comprises:

An obtaining unit, configured to acquire a withdrawal account opened by the withdrawal server;

a transfer unit, configured to transfer the withdrawal amount in the cardless withdrawal request from the payment account of the user to the withdrawal account;

And a requesting unit, configured to initiate a cardless withdrawal request to the withdrawal server based on the withdrawal account.
The device according to claim 13, wherein the transfer unit is further configured to check the payment account of the user, and if the verification is successful, perform the transfer.
The apparatus of claim 14 wherein said verifying comprises an identity check and a balance check.
The device according to claim 13, wherein said cardless withdrawal voucher comprises:

Authorization code or appointment code, and the withdrawal password and the bound communication number of the withdrawal account;

The authorization code is returned by the withdrawal server, and the reservation code is provided to the withdrawal server.
The apparatus of claim 16 wherein said appointment code is automatically generated or user input.
The device according to any one of claims 10 to 17, further comprising:

a notification module, when not receiving a transaction success notification within a preset time period, The withdrawal server is cancelled to cancel the cardless withdrawal request, and the user is notified that the cardless withdrawal request has expired.
A device that includes:

Processor; and

Memory,

The memory stores computer readable instructions executable by the processor, the processor executing the method of any one of claims 1 to 9 when the computer readable instructions are executed.
A non-volatile computer storage medium storing computer readable instructions executable by a processor, the processor executing claim 1 to when the computer readable instructions are executed by a processor The method of any of 9.