WO2017000524A1 - Procédé et appareil de retrait sans carte - Google Patents

Procédé et appareil de retrait sans carte Download PDF

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Publication number
WO2017000524A1
WO2017000524A1 PCT/CN2015/099456 CN2015099456W WO2017000524A1 WO 2017000524 A1 WO2017000524 A1 WO 2017000524A1 CN 2015099456 W CN2015099456 W CN 2015099456W WO 2017000524 A1 WO2017000524 A1 WO 2017000524A1
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WO
WIPO (PCT)
Prior art keywords
withdrawal
server
user
cardless
request
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Application number
PCT/CN2015/099456
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English (en)
Chinese (zh)
Inventor
余家奇
Original Assignee
百度在线网络技术（北京）有限公司
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Publication of WO2017000524A1 publication Critical patent/WO2017000524A1/fr

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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]
    • G07F19/201—Accessories of ATMs

Definitions

  • 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.
  • 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.
  • 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.
  • the present application provides a cardless withdrawal method and apparatus.
  • 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.
  • 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.
  • FIG. 1 illustrates an exemplary system architecture to which embodiments of the present application may be applied
  • FIG. 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. 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.
  • FIG. 1 illustrates an exemplary system architecture 100 in which embodiments of the present application may be applied.
  • 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.
  • 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.
  • FIG. 2 an exemplary flow chart of a cardless withdrawal method in accordance with one embodiment of the present application is shown.
  • 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.
  • step 201 a user's cardless withdrawal request is received.
  • 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.
  • a withdrawal server is determined based on the geographic location of the user.
  • the third-party server can simultaneously obtain the current geographic location information of the user.
  • 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.
  • GPS Global Positioning System
  • 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.
  • 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.
  • 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.
  • the server running the ATM for example, the server of the bank to which the ATM belongs, can be used as the withdrawal server.
  • step 203 the cardless withdrawal request is sent to the withdrawal server.
  • the user's cardless withdrawal request may be further sent to the withdrawal server.
  • the third party server may directly The cardless withdrawal request is forwarded to the withdrawal server.
  • the third party server may supplement the cardless withdrawal request. After it meets the withdrawal request of the withdrawal server, it is sent.
  • step 204 in response to the withdrawal server confirming the cardless withdrawal request, A cardless withdrawal voucher is provided to the user.
  • the withdrawal server 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. .
  • 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.
  • the cardless withdrawal method further includes: displaying location information of the automatic teller machine.
  • 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.
  • the location information of the ATM can be described in text and presented on the user terminal.
  • 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.
  • FIG. 3 an exemplary flow chart of a cardless withdrawal method in accordance with another embodiment of the present application is shown.
  • step 301 a user's cardless withdrawal request is received.
  • a withdrawal server is determined based on the geographic location of the user.
  • steps 301 and 302 are the same as steps 201 and 202 in FIG. 2, and details are not described herein again.
  • step 303 the withdrawal account opened by the withdrawal server is acquired.
  • 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.
  • 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.
  • 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.
  • the method further includes: performing verification on the user's payment account; if the verification is successful, performing the foregoing transfer.
  • 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.
  • 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.
  • step 305 based on the withdrawal account, a cardless withdrawal request is initiated to the withdrawal server.
  • 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.
  • step 306 the cardless withdrawal certificate is provided to the user in response to the withdrawal server confirming the cardless withdrawal request.
  • the cardless withdrawal request based on the withdrawal account meets the requirements of the withdrawal server.
  • the third party server can provide the cardless withdrawal certificate to the user.
  • 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 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.
  • 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.
  • 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.
  • 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.
  • 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.
  • 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.
  • 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.
  • FIG. 4 is a schematic structural diagram of a cardless withdrawal device according to an embodiment of the present application.
  • 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.
  • 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.
  • the cardless withdrawal device 400 further includes a display module for displaying location information of the automated teller machine.
  • 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.
  • the transfer unit is further used to support the user. Pay the account for verification. If the verification is successful, perform the above transfer.
  • the verification includes an identity check and a balance check.
  • 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.
  • the subscription code is automatically generated or entered by the user.
  • 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.
  • 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.
  • FIG. 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.
  • 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.
  • 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.
  • 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.
  • the computer program can be downloaded and installed from the network via the communication portion 509, and/or installed from the removable medium 511.
  • 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 can 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.
  • 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.
  • 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.
  • the receiving module may also be described as "a module for receiving a user's cardless withdrawal request".
  • 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.

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  • Finance (AREA)
  • Physics & Mathematics (AREA)
  • General Physics & Mathematics (AREA)
  • Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)

Abstract

L'invention concerne un procédé et un appareil de retrait sans carte. Le procédé de retrait sans carte consiste : à recevoir une requête de retrait sans carte d'un utilisateur ; à déterminer un serveur de retrait sur la base d'une position géographique de l'utilisateur ; à envoyer la requête de retrait sans carte au serveur de retrait ; et à transmettre un coupon de retrait sans carte à l'utilisateur en réponse à une situation dans laquelle le serveur de retrait confirme la requête de retrait sans carte. Le retrait sans carte peut être réalisé au moyen de serveurs de n'importe quelle banque, améliorant ainsi l'expérience de l'utilisateur.
PCT/CN2015/099456 2015-06-29 2015-12-29 Procédé et appareil de retrait sans carte WO2017000524A1 (fr)

Applications Claiming Priority (2)

Application Number Priority Date Filing Date Title
CN201510369630.0 2015-06-29
CN201510369630.0A CN105096474A (zh) 2015-06-29 2015-06-29 无卡取款方法和装置

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CN109409867A (zh) * 2017-08-18 2019-03-01 尹薪皓 电子钱包存款、取款方法、存取款装置及存款系统
CN107657441B (zh) * 2017-09-15 2021-04-13 深圳怡化电脑股份有限公司 自助交易方法、系统、服务器及移动终端
CN107730775A (zh) * 2017-09-15 2018-02-23 深圳怡化电脑股份有限公司 自助交易方法、装置、系统及电子设备
CN108053220B (zh) * 2018-01-11 2019-07-02 平安科技（深圳）有限公司 一种无卡取款的保护方法、设备及存储介质
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CN111583028B (zh) * 2020-05-08 2024-01-23 孙颐 一种委托取款业务处理方法及系统
CN113313888A (zh) * 2021-05-24 2021-08-27 中国银行股份有限公司 基于区块链的atm机无卡取款系统及方法
CN113313888B (zh) * 2021-05-24 2022-10-28 中国银行股份有限公司 基于区块链的atm机无卡取款系统及方法
TWI817504B (zh) * 2022-05-13 2023-10-01 臺灣銀行股份有限公司 自動推播之無卡提款方法與系統

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