WO2019091000A1 - 银行账户解挂失业务处理方法、系统、终端及存储介质 - Google Patents

银行账户解挂失业务处理方法、系统、终端及存储介质 Download PDF

Info

Publication number
WO2019091000A1
WO2019091000A1 PCT/CN2018/075164 CN2018075164W WO2019091000A1 WO 2019091000 A1 WO2019091000 A1 WO 2019091000A1 CN 2018075164 W CN2018075164 W CN 2018075164W WO 2019091000 A1 WO2019091000 A1 WO 2019091000A1
Authority
WO
WIPO (PCT)
Prior art keywords
user
account
service
remote agent
information
Prior art date
Application number
PCT/CN2018/075164
Other languages
English (en)
French (fr)
Inventor
凌永辉
Original Assignee
平安科技（深圳）有限公司
Priority date (The priority date is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the date listed.)
Filing date
Publication date
Application filed by 平安科技（深圳）有限公司 filed Critical 平安科技（深圳）有限公司
Publication of WO2019091000A1 publication Critical patent/WO2019091000A1/zh

Links

Classifications

    • 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
    • G06Q10/00—Administration; Management
    • G06Q10/10—Office automation; Time management
    • G06Q10/103—Workflow collaboration or project management
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06F—ELECTRIC DIGITAL DATA PROCESSING
    • G06F21/00—Security arrangements for protecting computers, components thereof, programs or data against unauthorised activity
    • G06F21/30—Authentication, i.e. establishing the identity or authorisation of security principals
    • G06F21/31—User authentication
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06F—ELECTRIC DIGITAL DATA PROCESSING
    • G06F21/00—Security arrangements for protecting computers, components thereof, programs or data against unauthorised activity
    • G06F21/60—Protecting data
    • G06F21/62—Protecting access to data via a platform, e.g. using keys or access control rules
    • G06F21/6218—Protecting access to data via a platform, e.g. using keys or access control rules to a system of files or objects, e.g. local or distributed file system or database
    • G06F21/6245—Protecting personal data, e.g. for financial or medical purposes
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
    • G06Q40/02—Banking, e.g. interest calculation or account maintenance
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06F—ELECTRIC DIGITAL DATA PROCESSING
    • G06F2221/00—Indexing scheme relating to security arrangements for protecting computers, components thereof, programs or data against unauthorised activity
    • G06F2221/21—Indexing scheme relating to G06F21/00 and subgroups addressing additional information or applications relating to security arrangements for protecting computers, components thereof, programs or data against unauthorised activity
    • G06F2221/2111—Location-sensitive, e.g. geographical location, GPS
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06F—ELECTRIC DIGITAL DATA PROCESSING
    • G06F2221/00—Indexing scheme relating to security arrangements for protecting computers, components thereof, programs or data against unauthorised activity
    • G06F2221/21—Indexing scheme relating to G06F21/00 and subgroups addressing additional information or applications relating to security arrangements for protecting computers, components thereof, programs or data against unauthorised activity
    • G06F2221/2149—Restricted operating environment

Definitions

  • the present invention relates to the field of information technology, and in particular, to a bank account unhooking service processing method for a self-service terminal, a bank account unhooking service processing system, a self-service terminal, and a computer readable storage medium.
  • the main purpose of the present application is to provide a self-service terminal bank account unhooking service processing method, a bank account unhooking service processing system, a self-service terminal, and a computer readable storage medium, which are designed to solve the problem that the bank manual counter service is busy, and the user handles the loss report or The problem of long waiting time for solving the lost business.
  • the method for processing a bank account unlocking service of a self-service terminal comprises the following steps:
  • the remote agent corresponding to the agent terminal checks the identity of the user according to the identity verification data; wherein the identity verification data includes user identity information;
  • the bank account is reported for loss or cancellation.
  • the present application further provides a self-service terminal, the self-service terminal is communicatively connected with a remote agent terminal, and includes a display unit, an input unit, and a card issuance unit, and the self-service terminal further includes a processor, a memory, and is stored in the memory. And a computer program running on the processor; the processor executing the computer program to implement the steps of the bank account unhooking service processing method of the self-service terminal as described above.
  • the present application further provides a computer readable storage medium having stored thereon a computer program, which is executed by a processor to implement a bank account solution of the self-service terminal as described above. The steps to report the loss of business processing methods.
  • the present application further provides a bank loss reporting service processing system, including a self-service terminal and a remote agent terminal communicatively connected to the self-service terminal, wherein the self-service terminal includes:
  • the response module is configured to respond to the user-initiated personal account loss report or the unmount request, and establish a communication connection with the remote agent terminal according to the preset condition;
  • a feedback module configured to receive an authentication data acquisition request sent by the remote agent terminal, prompt the user to input corresponding authentication data according to the identity verification data acquisition request, and feed back the identity verification data input by the user to the remote agent terminal,
  • the remote agent corresponding to the remote agent terminal checks the identity of the user according to the identity verification data; wherein the identity verification data includes user identity information;
  • a querying module configured to query, according to the user identity information, the account information of the user according to the user identity information when receiving the user identity verification passing instruction sent by the remote agent terminal, and display the queryed by the self-service terminal account information;
  • a submitting module configured to determine, according to an input instruction of the user, a lost or unregistered account selected by the user, and submit the account information selected by the user to be reported for loss or cancellation to the remote agent terminal for reviewing in the remote agent After successful, the bank account is reported lost or unlinked.
  • the self-service terminal is connected to the remote agent terminal by using the self-service terminal of the self-service terminal, and the self-service terminal interacts with the user, and receives information required for loss or cancellation of the user input.
  • the remote agent terminal will be reviewed based on the information submitted by the user.
  • the user's account information is obtained according to the user identity information submitted by the user.
  • the account information selected by the user that needs to be reported for loss or loss is reported. Submit to the remote agent terminal for remote agent review.
  • the report of the loss reporting/unloading loss service required by the bank manual counter can be diverted to the self-service terminal, thereby alleviating the bank labor.
  • the counter business is busy, and the user waits for a long time to handle the business.
  • the bank account that needs to be reported is automatically obtained according to the user identity information, and the bank account that needs to be reported is lost, it is convenient to quickly and easily find an account that needs to be reported for loss or loss reporting from a plurality of personal accounts.
  • FIG. 1 is a schematic diagram of a network structure of a bank account unhooking service processing system in the present application
  • FIG. 2 is a schematic structural diagram of a module of a self-service terminal according to an embodiment of the present application
  • FIG. 3 is a flowchart of a method for processing a bank account unlocking service for a self-service terminal of the bank account unlocking service processing system in FIG. 1 according to the first embodiment of the present application;
  • FIG. 5 is a flowchart of a method for processing a bank account unlocking service for a self-service terminal of the bank account unlocking service processing system in FIG. 1 according to the second embodiment of the present application;
  • FIG. 6 is a flowchart of a method for processing a bank account unlocking service for a self-service terminal of the bank account unlocking service processing system in FIG. 1 according to the third embodiment of the present application;
  • FIG. 7 is a schematic structural diagram of a module of a self-service terminal in a second embodiment of a bank account unlocking service processing system according to the present application;
  • FIG. 8 is a schematic structural diagram of a module of a self-service terminal in a third embodiment of the bank account unlocking service processing system of the present application.
  • FIG. 1 is a schematic diagram of a network structure of a bank loss reporting service processing system 100 for implementing various embodiments of the present application.
  • the bank loss reporting service processing system 100 includes a self-service terminal 110 and a remote agent terminal 120.
  • the self-service terminal 110 can be distributed among various banking institutions.
  • the number of remote agent terminals 120 can be multiple, and the remote agent terminal 120 is used for self-service.
  • the terminal 110 obtains information that needs to be audited, and helps the remote agent to review the service requested by the user.
  • the user can initiate a service request to the self-service terminal 110, and the self-service terminal 110 responds to the service request initiated by the user, and establishes a communication connection with the remote agent terminal 120 according to the type of service to be handled.
  • the communication connection may be various wired or In the wireless direct communication connection manner, the self-service terminal 110 and the remote agent terminal 120 may communicate with each other through a wireless local area network or the Internet.
  • FIG. 2 is a schematic diagram of hardware structure modules of the self-service terminal 110 according to various embodiments of the present application.
  • the self-service terminal 10 includes components such as a display unit 11, an input unit 12, a memory 13, a processor 14, and a power source 15.
  • the kiosk 10 illustrated in FIG. 1 may also include more or fewer components than those illustrated, or some components may be combined, or different component arrangements.
  • the input unit 12 is overlaid on the display unit 11, and the input unit 12 may not be disposed on the display unit 11, and may be disposed in the vicinity of the display unit 11 in the form of a physical button or module for detecting that the user is inputting.
  • Input operations on or near unit 12 are communicated to processor 14 to determine the type of input event, and processor 14 then provides a corresponding visual output on display unit 11 depending on the type of input event.
  • the self-service terminal 10 may further include a card issuance unit, configured to issue a card or passbook-type account certificate to the user according to an instruction of the processor when the card-sending service is completed or the un-deployment service is completed.
  • the self-service terminal 10 may further include an information input unit, which may be integrated into the input unit 12, and the information input unit may further include a physical keyboard, a fingerprint identification device, and/or an identity document reading device.
  • the method includes the following steps:
  • Step S10 in response to the user-initiated personal account loss report or the unmount request, establish a communication connection with the remote agent terminal according to the preset condition;
  • the self-service terminal displays the banking service processing interface stored in the memory through the display unit, and the user can be close to the self-service terminal, and input the input instruction to input the banking service required by inputting the input unit of the self-service terminal, and the self-service terminal will respond after receiving the input instruction of the user.
  • a user-initiated personal account loss or cancellation request is provided.
  • the banking business mainly emphasized is the bank personal account loss reporting service and the cancellation reporting business.
  • the loss of personal account refers to the non-temporary loss reporting business of the personal account handled by the account opening institution after the user loses the account voucher in order to effectively avoid the loss of funds and provide valid identity information, such as name, account opening time, account number and address;
  • the loss of the personal account solution refers to the procedure for withdrawing the storage fee or replenishing the new account certificate after the user has already handled the loss reporting service.
  • the conditions for establishing a communication connection between the self-service terminal and the remote agent terminal may be random, that is, the remote agent terminal may be randomly assigned to the user, and different remote agent terminals may be allocated to the self-service terminal according to different types of service types, or one device may be provided.
  • the self-service terminal fixes a remote agent terminal, and can also match the self-service terminal according to the busyness of the remote agent terminal.
  • Step S20 receiving an identity verification data acquisition request sent by the remote agent terminal, prompting the user to input corresponding identity verification data according to the identity verification data acquisition request, and feeding back the identity verification data input by the user to the remote agent terminal for
  • the remote agent corresponding to the remote agent terminal checks the identity of the user according to the identity verification data; wherein the identity verification data includes user identity information;
  • the remote agent terminal After establishing a communication connection with the self-service terminal, the remote agent terminal will receive the service determined by the user, but before all the services are processed, in order to ensure the security of the information and collect the basic materials required for the business processing, the remote agent needs to be described.
  • the remote agent terminal sends an authentication data acquisition request to the self-service terminal, and when the self-service terminal responds to the request, the self-service terminal displays the identity verification data that needs to be prepared to the user through the display unit of the self-service terminal.
  • the user will input the authentication data through the information input unit of the self-service terminal according to the prompt of the self-service terminal, wherein the identity verification data must include the user identity information.
  • the user identity information may be a user name, a user's ID number, a user residence address, and a user ID expiration date.
  • the authentication data may further include fingerprint information of the user, real-time facial image information when the user uses the self-service terminal, a scanned image of the user's ID, and the like.
  • the processor of the self-service terminal receives the authentication data input by the user, the authentication data is fed back to the remote agent terminal for review, and the remote agent corresponding to the remote agent terminal verifies the accuracy of the user identity information.
  • Step S30 when receiving the user identity verification passing instruction sent by the remote agent terminal, querying the account information of the user according to the user identity information, and displaying the account information obtained by the query through the self-service terminal. ;
  • Step S40 Determine, according to an input instruction of the user, a loss or cancellation account selected by the user, and submit the account information selected by the user that needs to be reported or unlinked to the remote agent terminal, so that after the remote agent is successfully reviewed, Loss or undo the bank account.
  • the remote agent terminal After the remote agent terminal successfully authenticates the user identity information, the user identity verification is sent to the self-service terminal.
  • the self-service terminal will query the account information of the user to open an account at the bank according to the user identity information, and display the account information that is queried through the display unit of the self-service terminal.
  • the content of the account information may be set according to actual needs, and may include an account number, an account voucher type, an account status, an account voucher opening account, an account opening time, an account signing authorization status, and an account transaction information.
  • the account voucher type may include a voucher type, which may be a bank card, a deposit slip, or a passbook, and may be an IC card or a flash card, a magnetic stripe card, and may be a debit card or a credit card; the account credential type may further include The voucher level, the voucher level may include a Puka, a gold card, a platinum card, a diamond card, etc.; the account voucher type may also include a bank card type, such as a security standard card, a safe car card, and a safe shopping card.
  • a voucher type which may be a bank card, a deposit slip, or a passbook, and may be an IC card or a flash card, a magnetic stripe card, and may be a debit card or a credit card
  • the account credential type may further include
  • the voucher level, the voucher level may include a Puka, a gold card, a platinum card, a diamond card, etc.
  • the account voucher type may also include a bank card type, such as
  • the account information may further include a special mark of the bank card or bank card pattern information.
  • the account information of the user is displayed by the display unit according to the voucher pattern when the account voucher is processed. The user selects the card number and the card balance, making it easier for the user to quickly select and determine the account credentials that need to be reported or lost.
  • the account signing authorization status refers to the status of the authorized payment agreement of the user through the bank's personal account as the payment account, which may include the WeChat payment signing status, the third party custody signing status, the fund account deposit signing status, and the Alipay fast payment signing contract. Status, UnionPay Express payment signing status and online banking signing status.
  • the account information that needs to be reported for loss or cancellation is submitted to the remote agent terminal, so that the remote agent needs to report the loss or cancel the loss to the user.
  • the account information is reviewed. After the review is successful, the report is reported for loss or cancellation.
  • the self-service terminal interacts with the user, and receives information required for loss or cancellation of the user input, and the remote agent terminal performs audit according to the information submitted by the user.
  • the user's account information is obtained according to the user identity information submitted by the user.
  • the account information selected by the user that needs to be reported for loss or loss is reported. Submit to the remote agent terminal for remote agent review.
  • the report of the loss reporting/unloading loss service required by the bank manual counter can be diverted to the self-service terminal, thereby alleviating the bank labor.
  • the counter business is busy, and the user waits for a long time to handle the business.
  • the bank account that needs to be reported is automatically obtained according to the user identity information, and the bank account that needs to be reported is lost, it is convenient to quickly and easily find an account that needs to be reported for loss or loss reporting from a plurality of personal accounts.
  • a second embodiment of a method for processing a bank account unlocking service of the self-service terminal of the present application is provided in the first embodiment of the method for processing a bank account of the self-service terminal of the present application.
  • the method further includes:
  • step S50 when the user initiates a personal account loss report request, the self-service terminal displays the loss type of the report loss service, so that the user selects the required loss type;
  • the display unit of the self-service terminal submits the account information that needs to be reported to the remote agent terminal, and after the remote agent review is successful, displays the loss type corresponding to the report loss service, where the report type is lost.
  • This can include account certificate loss reporting and loss of account credentials and user authentication codes.
  • Step S60 when the loss type selected by the user is the account certificate loss, the user is prompted to input the user identity verification code by using the self-service terminal;
  • the self-service terminal prompts the user to input the user identity verification code through the display unit, and the user identity verification code may be a random verification code according to the mobile phone number bound by the user account. It can also be a user withdrawal password or a user account inquiry password.
  • Step S70 feeding back the user identity verification code input by the user and the selected loss type to the remote agent terminal, to complete the checking after the remote agent reviews the user identity verification code and the selected loss type. Loss of bank account.
  • the self-service terminal feeds back the user identity verification code and the selected loss type that needs to be reported to the remote agent terminal; when the remote agent receives the remote agent terminal according to the remote agent terminal After the completion of the report of the loss reporting service, the report of the loss reporting service is completed.
  • the display unit of the self-service terminal displays the prompt information of the completion of the loss reporting service to the user.
  • the method may include:
  • Step S80 When the loss type selected by the user is that the account credential and the user identity verification code are lost, the type of the loss type selected by the user is fed back to the remote agent terminal to review the selected report loss in the remote agent. The loss of the bank account is completed after the type.
  • the loss type selected by the user is that the account certificate and the user identity verification code are lost, only the loss type that needs to be reported is submitted to the remote agent terminal for review.
  • the user authentication code is a random verification code of the mobile terminal
  • the user's account credentials may be lost together with the mobile terminal, and the random verification code cannot be obtained.
  • the account certificate and the user identity verification code may be selected for loss type.
  • the self-service terminal may also request the user to input an account inquiry password or an account withdrawal verification password.
  • the user authentication code is the user's withdrawal password or inquiry password, the user may forget the withdrawal password or the inquiry password, and at the same time, the account certificate is lost.
  • the account certificate and the user identity verification code may also be selected for the loss type.
  • the self-service terminal may also request the user to input a random verification code.
  • the loss type that needs to be reported is submitted to the remote agent terminal, and the account certificate and the user identity verification code are reported to be lost after the remote agent is successfully audited.
  • the prompt information of the completion of the loss reporting service is displayed to the user through the display unit of the self-service terminal.
  • the self-service terminal may prompt the user to understand the hanging service, and respond to the user-initiated personal account unmounting request through the self-service terminal. Understandably, due to the regulations of different bank issuing institutions, some banking institutions can only be released after a certain working day from the date of account loss reporting, and some banking institutions can understand the hanging business immediately after the account is reported to be lost. At this time, after the report of the loss reporting service, the user may be prompted to understand the hanging service, and after the user initiates the personal account unmounting request, the user's personal account is requested to be unmounted.
  • a third embodiment of a method for processing a bank account unlocking service of the self-service terminal of the present application is provided in the first embodiment of the method for processing a bank account of the self-service terminal of the present application.
  • the method further includes:
  • step S90 when the user initiates a personal account cancellation report request, the self-service terminal prompts the user to input information required for the solution of the loss of the service, and feeds back the information required for the solution of the lost service to the remote agent terminal.
  • the remote agent checks the information;
  • Step S100 After the verification of the information required for the unhooking service is verified, the unattached path corresponding to the unlocking service is obtained and displayed;
  • the processor of the self-service terminal acquires the unattached path corresponding to the solution for the loss-out service, wherein the solution
  • the hanging path includes the account cancellation path and the loss of the replacement card path.
  • Step S110 determining and executing the unselected path selected by the user according to the input instruction of the user.
  • the self-service terminal When the user determines that the unattached path is the account cancellation path, the self-service terminal is used to remind the user to input the required information of the customer's account; when receiving the information of the customer's registered account, the information about the customer's input is submitted to the user.
  • the remote agent terminal the information of the accountant material required for entry refers to the material involved in transferring or clearing the deposit in the account of the user from the report of the loss.
  • the user can query other accounts opened by the bank issuer through the input unit, and transfer the deposit to other accounts of the user himself, or can also choose to transfer the deposit in the report to another person's account.
  • the card replacement address information is saved or the new card is exchanged to the user through the self-service terminal. If the user selects the lost card replacement path, the address can be filled in, the card can be delivered by mail, and the new card can be exchanged in real time through the card issuing module of the self-service terminal. Further, in order to improve the user's adhesion or ensure the security of the funds in the report, the user's permission to hang the path may also be limited. For example, when the user loses the type of the loss of the service selection, the account vouchers and the user identity verification code are lost. Select only the loss of card replacement path; for example, if the address information filled in by the user is inconsistent with the address information handled by the original account, only the loss of the card replacement path is selected.
  • the user may also prompt the user to handle the newly processed account voucher including the WeChat payment signing service, the third party custody signing service, the fund account depositing and signing business, and the Alipay through the display module of the self-service terminal.
  • Express payment contracting business UnionPay Express payment contracting business and / or online banking contracted business account authorization signing business, can also prompt users to handle deposit transfer and other services.
  • the self-service terminal's guiding service capability can be enhanced, and the user's operation can be provided.
  • an account authorization signing service for the newly processed account voucher that is replaced after the loss report it can help restore the usage liquidity of the original account and improve the user's stickiness.
  • the present application further provides a bank account unhooking service processing system 100.
  • the bank account unlocking service processing system 100 includes a self-service terminal. 110 and a remote agent terminal 120 communicatively coupled to the self-service terminal 110, wherein the self-service terminal 110 includes:
  • the response module 111 is configured to establish a communication connection with the remote agent terminal 120 according to a preset condition in response to the user-initiated personal account loss report or the unmount request;
  • the feedback module 112 is configured to receive an authentication data acquisition request sent by the remote agent terminal 120, prompt the user to input corresponding authentication data according to the identity verification data acquisition request, and feed back the identity verification data input by the user to the remote agent.
  • the terminal 120 for the remote agent corresponding to the remote agent terminal 120, checks the identity of the user according to the identity verification data; wherein the identity verification data includes user identity information;
  • the querying module 113 is configured to query the account information of the user according to the user identity information when receiving the user identity verification passing instruction sent by the remote agent terminal 120, and display the account by the self-service terminal 110. Query the obtained account information;
  • the submitting module 114 is configured to determine, according to an input instruction of the user, a loss or unattach account selected by the user, and submit the account information selected by the user to be reported or lost to the remote agent terminal 120 to be at the remote After the agent review is successful, the bank account is reported lost or unregistered.
  • the account signing authorization status refers to the status of the authorized payment agreement of the user through the bank's personal account as the payment account, which may include the WeChat payment signing status, the third party custody signing status, the fund account deposit signing status, and the Alipay fast payment signing contract. Status, UnionPay Express payment signing status and online banking signing status.
  • the bank account loss reporting service is processed.
  • the system 100, the self-service terminal 110 further includes:
  • the display module 115 is configured to display a loss type of the lost service, so that the user selects a required loss type
  • the first prompting module 116 is configured to prompt the user to input the user identity verification code by using the self-service terminal 110 when the loss type of the user selection is the account certificate loss.
  • the feedback module 112 is further configured to feed back the user identity verification code input by the user and the selected loss type to the remote agent terminal 120 to review the user identity verification code and the selection at the remote agent.
  • the loss of the bank account is completed after the loss type.
  • the feedback module 112 is further configured to: when the loss type selected by the user is that the account credential and the user identity verification code are lost, the type of the loss type selected by the user is selected. Feedback to the remote agent terminal 120 to complete the loss of the bank account after the remote agent reviews the selected loss type.
  • the self-service terminal 110 further includes :
  • a second prompting module 117 configured to prompt the user to input information required for unlocking the service
  • the feedback module 112 is further configured to feed back information required for the unlocking service to the remote agent terminal 120, for the remote agent to check the information;
  • the obtaining module 118 is configured to acquire and display an unattached path corresponding to the unhooking service after the information required for the unhooking service is verified.
  • the processing module 119 is configured to determine and execute an unattached path selected by the user according to the input instruction of the user.
  • the self-service terminal 110 is used to remind the user to input the required information of the customer's account; when receiving the information of the customer's registered account, the information about the customer's input is submitted to the user.
  • the remote agent terminal 120 When the undefined path is determined by the user, the card replacement address information is saved or the new card is exchanged to the user through the self-service terminal 110.
  • the application further provides a self-service terminal, in an embodiment, comprising a display unit, an input unit, and a card issuance unit, the self-service terminal further comprising a processor, a memory, and a computer stored on the processor and operable on the processor a program; the step of implementing the bank account unlocking service processing method of the self-service terminal according to any one of the embodiments described above when the processor executes the computer program.
  • the present application further provides a computer readable storage medium having stored thereon a computer program, and when the computer program is executed by the processor, implements the bank account unlocking service processing method of the self-service terminal according to any of the above embodiments. step.
  • the foregoing embodiment method can be implemented by means of software plus a necessary general hardware platform or hardware.
  • the technical solution of the present application can be embodied in the form of a software product stored in a computer readable storage medium (such as a ROM/RAM, a magnetic disk, an optical disk), including a plurality of instructions.
  • a terminal which may be a mobile phone, a computer, a server, an air conditioner, or a network device, etc.

Landscapes

  • Engineering & Computer Science (AREA)
  • Business, Economics & Management (AREA)
  • Theoretical Computer Science (AREA)
  • Physics & Mathematics (AREA)
  • Strategic Management (AREA)
  • General Physics & Mathematics (AREA)
  • Human Resources & Organizations (AREA)
  • Computer Security & Cryptography (AREA)
  • Accounting & Taxation (AREA)
  • General Health & Medical Sciences (AREA)
  • General Engineering & Computer Science (AREA)
  • Computer Hardware Design (AREA)
  • Entrepreneurship & Innovation (AREA)
  • Bioethics (AREA)
  • Health & Medical Sciences (AREA)
  • Finance (AREA)
  • General Business, Economics & Management (AREA)
  • Economics (AREA)
  • Marketing (AREA)
  • Software Systems (AREA)
  • Technology Law (AREA)
  • Development Economics (AREA)
  • Medical Informatics (AREA)
  • Data Mining & Analysis (AREA)
  • Databases & Information Systems (AREA)
  • Operations Research (AREA)
  • Quality & Reliability (AREA)
  • Tourism & Hospitality (AREA)
  • Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)
  • Management, Administration, Business Operations System, And Electronic Commerce (AREA)

Abstract

本申请公开了一种自助终端的银行账户解挂失业务处理方法，通过响应用户发起的挂失或解挂请求，与远程坐席终端通信连接；接收远程坐席终端发送的身份验证数据获取请求，根据该请求提示用户输入身份验证数据，并将输入的身份验证数据反馈至远程坐席终端，供远程坐席核查用户身份；在接收到远程坐席终端发送的用户身份核查通过指令时，根据用户身份信息查询用户的账户信息，并显示被查询得到的账户信息；根据用户的输入指令确定挂失或解挂账户，将用户选择的需要挂失或解挂的账户信息提交至远程坐席终端，使远程坐席复核成功后进行银行账户的挂失或解挂。本申请还提供一种银行账户解挂失业务处理系统、自助终端及计算机可读存储介质。

Description

银行账户解挂失业务处理方法、系统、终端及存储介质
技术领域
本申请涉及信息技术领域，尤其涉及一种自助终端的银行账户解挂失业务处理方法、银行账户解挂失业务处理系统、自助终端及计算机可读存储介质。
背景技术
随着信息技术的发展和经济水平的提高，越来越多依靠人力进行的重复劳动被智能终端代替，但在银行业务处理时，由于涉及到金融资产结算的问题，还没有得到普及。现阶段在银行办理个人账户挂失或解挂失业务时，还是需要在人工柜台排队办理，并经由有权限的银行工作人员授权得以完成个人账户的挂失和解挂失业务。这种现象往往导致银行人工柜台业务繁忙，用户办理业务等待时间长。
申请内容
本申请的主要目的在于提供一种自助终端的银行账户解挂失业务处理方法、银行账户解挂失业务处理系统、自助终端及计算机可读存储介质，旨在解决银行人工柜台业务繁忙，用户办理挂失或解挂失业务等待时间长的问题。
为实现上述目的，本申请提供的一种自助终端的银行账户解挂失业务处理方法，包括以下步骤：
响应用户发起的个人账户挂失或解挂请求，根据预设的条件与远程坐席终端建立通信连接；
接收远程坐席终端发送的身份验证数据获取请求，根据所述身份验证数据获取请求提示用户输入相应的身份验证数据，并将用户输入的身份验证数据反馈至所述远程坐席终端，以供所述远程坐席终端对应的远程坐席根据所述身份验证数据核查用户身份；其中，所述身份验证数据包括用户身份信息；
在接收到所述远程坐席终端发送的用户身份核查通过指令时，根据所述用户身份信息，查询所述用户的账户信息，并通过所述自助终端显示所述被查询得到的账户信息；
根据用户的输入指令确定用户选择的挂失或解挂账户，并将所述用户选择的需要挂失或解挂的账户信息提交至所述远程坐席终端，以在所述远程坐席复核成功后对所述银行账户进行挂失或解挂。
为实现上述目的，本申请还提供一种自助终端，所述自助终端与远程坐席终端通信连接，包括显示单元、输入单元以及发卡单元，所述自助终端还包括处理器、存储器及存储在存储器上并可在处理器上运行的计算机程序；所述处理器执行所述计算机程序时实现如上所述的自助终端的银行账户解挂失业务处理方法的步骤。
为实现上述目的，本申请还提供一种计算机可读存储介质，所述计算机可读存储介质上存储有计算机程序，所述计算机程序被处理器执行时实现如上所述的自助终端的银行账户解挂失业务处理方法的步骤。
为实现上述目的，本申请还提供一种银行挂失业务处理系统，包括自助终端和与所述自助终端通信连接的远程坐席终端，其中，所述自助终端包括：
响应模块，用于响应用户发起的个人账户挂失或解挂请求，根据预设的条件与远程坐席终端建立通信连接；
反馈模块，用于接收远程坐席终端发送的身份验证数据获取请求，根据所述身份验证数据获取请求提示用户输入相应的身份验证数据，并将用户输入的身份验证数据反馈至所述远程坐席终端，以供所述远程坐席终端对应的远程坐席根据所述身份验证数据核查用户身份；其中，所述身份验证数据包括用户身份信息；
查询模块，用于在接收到所述远程坐席终端发送的用户身份核查通过指令时，根据所述用户身份信息，查询所述用户的账户信息，并通过所述自助终端显示所述被查询得到的账户信息；
提交模块，用于根据用户的输入指令确定用户选择的挂失或解挂账户，并将所述用户选择的需要挂失或解挂的账户信息提交至所述远程坐席终端，以在所述远程坐席复核成功后对所述银行账户进行挂失或解挂。
采用本申请中的自助终端的银行账户解挂失业务处理方法，自助终端与远程坐席终端通信连接，所述自助终端与用户进行交互，并接收用户输入的挂失或解挂失所需的信息，所述远程坐席终端将根据用户提交的信息进行审核。在用户身份审核通过的前提下，根据用户提交的用户身份信息获取用户的账户信息，待所述用户选定需要挂失或解挂失的账户后，将用户选定的需要挂失或解挂失的账户信息提交至远程坐席终端，供远程坐席审核。由于用户所有的操作都在自助终端上执行，再配合远程坐席终端办理账户的挂失或解挂失操作，能够将银行人工柜台需要办理的挂失/解挂失业务分流一部分至自助终端，从而缓解了银行人工柜台业务繁忙，用户办理业务等待时间长的情况。此外，由于能根据用户身份信息自主获取并供用户选择需要挂失的银行账户，也方便从众多的个人账户中直观快捷地找到需要挂失或解挂失的账户。
附图说明
图1为本申请中的银行账户解挂失业务处理系统的网络结构示意图；
图2为本申请一实施例中的自助终端的模块结构示意图；
图3为本申请第一实施例中用于图1中的银行账户解挂失业务处理系统的自助终端的银行账户解挂失业务处理方法的方法流程图；
图4为本申请第二实施例中用于图1中的银行账户解挂失业务处理系统的自助终端的银行账户解挂失业务处理方法的步骤S40之后的方法流程图；
图5为本申请第二实施例中用于图1中的银行账户解挂失业务处理系统的自助终端的银行账户解挂失业务处理方法的方法流程图；
图6为本申请第三实施例中用于图1中的银行账户解挂失业务处理系统的自助终端的银行账户解挂失业务处理方法的方法流程图；
图7为本申请银行账户解挂失业务处理系统第二实施例中自助终端的模块结构示意图；
图8为本申请银行账户解挂失业务处理系统第三实施例中自助终端的模块结构示意图。
本申请目的的实现、功能特点及优点将结合实施例，参照附图做进一步说明。
具体实施方式
应当理解，此处所描述的具体实施例仅用以解释本申请，并不用于限定本申请。
在后续的描述中，使用用于表示元件的诸如“模块”、“部件”或“单元”的后缀仅为了有利于本申请的说明，其本身没有特定的意义。因此，“模块”、“部件”或“单元”可以混合地使用。
请参阅图1，其为实现本申请各个实施例的一种银行挂失业务处理系统100的网络结构示意图。
所述银行挂失业务处理系统100中包括自助终端110和远程坐席终端120，自助终端110可以分布在各个银行机构，远程坐席终端120的数量可以有多台，所述远程坐席终端120用于从自助终端110获取需要审核的信息，帮助远程坐席审核用户请求办理的业务。用户可以向自助终端110发起业务办理请求，自助终端110响应用户发起的业务办理请求，并根据需要办理的业务类型与远程坐席终端120建立通信连接，所述通信连接的方式可以是各种有线或者无线的直接通讯连接的方式，也可以是所述自助终端110与所述远程坐席终端120通过无线局域网、互联网相互通信连接。
图2为本申请各个实施例的所述自助终端110的硬件结构模块示意图，所述自助终端10包括显示单元11、输入单元12、存储器13、处理器14以及电源15等部件。本领域技术人员可以理解，图1中示出的自助终端10还可以包括比图示更多或更少的部件，或者组合某些部件，或者不同的部件布置。其中，所述输入单元12覆盖于显示单元11上，所述输入单元12也可以不覆盖于显示单元11上，可以以实体按键或模块的形式设置在显示单元11附近，用于检测用户在输入单元12上或附近的输入操作，并将所述输入操作传送给处理器14以确定输入事件的类型，随后处理器14根据输入事件的类型在显示单元11上提供相应的视觉输出。
所述自助终端10还可以包括发卡单元，用于在办卡业务完成时或解挂业务完成时，根据处理器的指令给用户发放卡片或存折类的账户凭证。所述自助终端10还可以包括信息录入单元，所述信息录入单元可以集成到输入单元12中，所述信息录入单元还可以包括实体键盘、指纹识别装置和/或身份证件读取装置等。
基于上述硬件结构，提出一种自助终端的银行账户解挂失业务处理方法。
参见图3，在本申请自助终端的银行账户解挂失业务处理方法的第一实施例中，所述方法包括步骤：
步骤S10，响应用户发起的个人账户挂失或解挂请求，根据预设的条件与远程坐席终端建立通信连接；
自助终端通过显示单元显示存储器中存储的银行业务办理界面，用户可以靠近自助终端，通过输入自助终端的输入单元产生输入指令选择需要办理的银行业务，自助终端接收到用户的输入指令后，将响应用户发起的个人账户挂失或解挂失请求。
需要说明的是，在本实施例中，主要强调的办理的银行业务是银行个人账户挂失业务和解挂失业务。其中，个人账户挂失是指用户遗失账户凭证后，为了有效避免资金损失，提供有效身份信息，例如姓名、开户时间、账号及住址等有关情况，在其开户机构办理的个人账户非临时挂失业务；个人账户解挂失是指在用户已经办理了挂失业务后，为了支取存储金或者补领新的账户凭证等的手续，其中解挂失可以理解为解除挂失之意。
此外，自助终端与远程坐席终端建立通信连接的条件可以是随机的，即是可以随机为用户分配远程坐席终端，可以按照办理业务类型的不同为自助终端分配不同的远程坐席终端，还可以一台自助终端固定一台远程坐席终端，还可以根据远程坐席终端的忙闲程度为自助终端进行匹配。
步骤S20，接收远程坐席终端发送的身份验证数据获取请求，根据所述身份验证数据获取请求提示用户输入相应的身份验证数据，并将用户输入的身份验证数据反馈至所述远程坐席终端，以供所述远程坐席终端对应的远程坐席根据所述身份验证数据核查用户身份；其中，所述身份验证数据包括用户身份信息；
远程坐席终端在与自助终端建立通信连接后，将接收到用户确定的需要办理的业务，但在所有的业务办理之前，为了保证信息的安全以及收集到业务办理所需的基础材料，需要所述远程坐席终端向自助终端发送身份验证数据获取请求，自助终端响应该请求时，将通过自助终端的显示单元向用户提示需要准备的身份验证数据。用户将根据自助终端的提示，通过自助终端的信息录入单元输入身份验证数据，其中所述身份验证数据一定会包括用户身份信息。
可选地，所述用户身份信息可以是用户姓名、用户的证件号码、用户居住地址和用户证件使用期限等。除了用户身份信息，所述身份验证数据还可以包括用户的指纹信息，用户在使用自助终端时的实时面部图像信息，用户的证件扫描图像等。
自助终端的处理器接收到用户输入的身份验证数据时，将该身份验证数据反馈给远程坐席终端进行审核，远程坐席终端对应的远程坐席将验证比对用户身份信息的准确性。
步骤S30，在接收到所述远程坐席终端发送的用户身份核查通过指令时，根据所述用户身份信息，查询所述用户的账户信息，并通过所述自助终端显示所述被查询得到的账户信息；
步骤S40，根据用户的输入指令确定用户选择的挂失或解挂账户，并将所述用户选择的需要挂失或解挂的账户信息提交至所述远程坐席终端，以在所述远程坐席复核成功后对所述银行账户进行挂失或解挂。
当远程坐席终端验证用户身份信息成功后，将发送用户身份核查通过指令给自助终端。自助终端将根据用户身份信息查询用户在该银行开设账户的账户信息，并通过自助终端的显示单元显示被查询到的账户信息。
需要说明的是，所述账户信息的内容可以根据实际需要进行设置，可以包括账户号，账号凭证类型，账号状态，账号凭证开户网点，账号开户时间，账号签约授权状态，账号交易信息等。
所述账号凭证类型可以包括凭证类型，可以是银行卡、存单、或者是存折，可以是IC卡或者闪付卡、磁条卡，可以是借记卡或信用卡；所述账号凭证类型还可以包括凭证等级，所述凭证等级可以包括普卡、金卡、铂金卡及钻石卡等；账号凭证类型还可以包括银行卡类型，例如平安标准卡、平安车主卡及平安购物卡。
可选地，所述账户信息还可以包括银行卡的特殊标记或者银行卡图案信息，例如，通过显示单元将用户所有的账户信息，按照账户凭证办理时的凭证图案进行显示，这种方式相比用户根据卡号和卡内余额进行选择，更容易让用户快速选择和确定需要挂失或解挂失的账户凭证。
进一步地，账号签约授权状态是指用户通过银行的个人账户作为付款账户的授权支付协议签约状态，可以包括微信支付签约状态，第三方存管签约状态，基金账户存管签约状态，支付宝快捷支付签约状态，银联快捷支付签约状态以及网银签约状态等。
在用户根据显示单元显示的被查询到的账号信息，确认需要挂失或解挂的账户后，将需要挂失或解挂失的账户信息提交给远程坐席终端，使远程坐席对用户需要挂失或解挂失的账户信息进行复核，待复核成功后进行挂失或解挂业务。
本实施例通过自助终端与用户进行交互，并接收用户输入的挂失或解挂失所需的信息，所述远程坐席终端将根据用户提交的信息进行审核。在用户身份审核通过的前提下，根据用户提交的用户身份信息获取用户的账户信息，待所述用户选定需要挂失或解挂失的账户后，将用户选定的需要挂失或解挂失的账户信息提交至远程坐席终端，供远程坐席审核。由于用户所有的操作都在自助终端上执行，再配合远程坐席终端办理账户的挂失或解挂失操作，能够将银行人工柜台需要办理的挂失/解挂失业务分流一部分至自助终端，从而缓解了银行人工柜台业务繁忙，用户办理业务等待时间长的情况。此外，由于能根据用户身份信息自主获取并供用户选择需要挂失的银行账户，也方便从众多的个人账户中直观快捷地找到需要挂失或解挂失的账户。
进一步地，参见图4，基于本申请自助终端的银行账户解挂失业务处理方法的第一实施例提出本申请自助终端的银行账户解挂失业务处理方法的第二实施例，在本实施例中，所述步骤S40之后还包括：
步骤S50，在所述用户发起个人账户挂失请求时，通过所述自助终端显示挂失业务的挂失类型，以供所述用户选择需要的挂失类型；
当用户发起的是个人账户挂失请求时，自助终端的显示单元将在需要挂失的账户信息提交至远程坐席终端，且由远程坐席复核成功后，显示挂失业务对应的挂失类型，其中所述挂失类型可以包括账户凭证挂失以及账户凭证和用户身份验证码挂失。
步骤S60，当所述用户选择的挂失类型是账户凭证挂失时，通过所述自助终端提示用户输入用户身份验证码；
当用户选择的挂失类型是账户凭证挂失时，所述自助终端将通过显示单元提示用户输入用户身份验证码，所述用户身份验证码可以是根据用户账户绑定的手机号码，随机获取的验证码，也可以是用户取款密码或用户账户查询密码。
步骤S70，将所述用户输入的用户身份验证码和选择的挂失类型反馈至所述远程坐席终端，以在所述远程坐席复核所述用户身份验证码和所述选择的挂失类型后完成所述银行账户的挂失。
在用户输入了相应的用户身份验证码后，所述自助终端将用户身份验证码以及选择的需要挂失的挂失类型反馈给所述远程坐席终端；当所述远程坐席根据所述远程坐席终端接收到的信息，确定挂失业务办理完成时，挂失业务办理结束，可选地，还可以在挂失业务办理结束之后，通过自助终端的显示单元显示挂失业务办理完成的提示信息给用户。
可选地，参见图5，在所述步骤S50之后可以包括：
步骤S80，当所述用户选择的挂失类型是账户凭证与用户身份验证码挂失时，将所述用户选择的挂失类型反馈至所述远程坐席终端，以在所述远程坐席复核所述选择的挂失类型后完成所述银行账户的挂失。
当用户选择的挂失类型是账户凭证与用户身份验证码挂失时，仅需要将需要挂失的挂失类型提交至远程坐席终端进行审核即可。其中，当用户身份验证码是手机终端的随机验证码时，可能由于用户的账户凭证和手机终端一起遗失了，无法获取随机验证码，此时可以选择账户凭证与用户身份验证码挂失类型，可选地，在选择此种挂失类型的同时，自助终端也可以请求用户输入账户查询密码或账户取款验证密码。或者，当用户身份验证码是用户的取款密码或查询密码时，可能由于用户忘记取款密码或查询密码，同时遗失了账户凭证，此时也可以选择账户凭证与用户身份验证码挂失类型，可选地，在选择此种挂失类型的同时，自助终端也可以请求用户输入随机验证码。在将需要挂失的挂失类型提交给所述远程坐席终端，并待所述远程坐席审核成功后即完成了账户凭证与用户身份验证码挂失业务流程。可选地，还可以在挂失流程业务办理结束之后，通过自助终端的显示单元显示挂失业务办理完成的提示信息给用户。
通过上述挂失类型的自主选择以及账户凭证挂失所需材料的提交，完善了整个个人账户挂失业务办理流程，方便用户针对自身情况进行操作，且详细地说明了用户、自助终端与远程坐席终端的执行过程。
进一步地，在其他实施例中，在上述银行账户的挂失业务流程结束之后，还可以通过自助终端提示用户办理解挂业务，并通过自助终端响应用户发起的个人账户解挂请求。可以理解的是，由于不同银行发行机构的规定，有的银行机构只能在账户挂失之日起的若干工作日之后才能解挂，而有的银行机构可以在账户挂失之后立即办理解挂业务，此时可以在挂失业务办理后提示用户办理解挂业务，并在用户发起个人账户解挂请求后响应用户的个人账户解挂请求。
进一步地，参见图6，基于本申请自助终端的银行账户解挂失业务处理方法的第一实施例提出本申请自助终端的银行账户解挂失业务处理方法的第三实施例，在本实施例中，所述步骤S40之后还包括：
步骤S90，在所述用户发起个人账户解挂失请求时，通过自助终端提示用户输入解挂失业务所需的信息，并将所述解挂失业务所需的信息反馈至所述远程坐席终端，以供所述远程坐席核查所述信息；
在本实施例中，主要是对解挂失业务的进一步说明。虽然在前述实施例中需要对办理业务的用户进行身份验证，但主要是为了安全保证，并且得到业务办理所需的基本材料，但是实际在办理解挂失业务时，可能还需要进一步单独提供其他信息材料，例如身份证正反面的扫描件、用户签署的解挂声明和/或用户拟转账资金卡片的扫描件等。因此，在个人需要解挂失的账户信息经由远程坐席审核完成后，还将通过自助终端的显示单元提示用户输入解挂失业务所需的信息，并由信息录入单元录入该信息。
步骤S100，当所述解挂失业务所需的信息核查通过后，获取并显示所述解挂失业务对应的解挂路径；
当自助终端的信息录入单元将解挂失业务所需的信息反馈至远程坐席终端，并由所述远程坐席核查完成时，自助终端的处理器获取解挂失业务对应的解挂路径，其中所述解挂路径包括销户路径和挂失换卡路径。需要说明的是，由于银行卡的便携性和安全性要比存折更高，因此在解挂失后以新办理的账户凭证为银行卡进行举例说明，对于存折等账户凭证的解挂失处理可以参照执行，在此不进行赘述。
步骤S110，根据用户的输入指令，确定并执行用户选择的解挂路径。
当用户确定的解挂路径是销户路径时，通过所述自助终端提醒用户录入需要的销户材料信息；当接收到用户录入的销户材料信息，将用户录入的销户材料信息提交至所述远程坐席终端。其中，录入需要的销户材料信息是指为了将用户挂失账户中的存储金从挂失账户中转移或结算所涉及到的材料。用户可以通过输入单元查询自己在该银行发行机构开通的其他账户，并将存储金转移至用户本人的其他账户中，或者还可以选择将挂失账户中的存储金转移至他人账户中。
当用户确定的解挂路径是挂失换卡路径时，保存用户录入的换卡地址信息或通过所述自助终端换发新卡给所述用户。如果用户选择的是挂失换卡路径时，可以填写收件地址，将卡片通过邮件送达，还可以通过自助终端的发卡模块实时换发新卡。进一步地，为了提升用户粘合度或保证挂失账户中资金的安全，还可以限定用户解挂路径的权限，例如当用户在办理挂失业务选择的挂失类型是账户凭证与用户身份验证码挂失时，仅限选择挂失换卡路径；例如用户填写的地址信息与原账户办理的地址信息不一致时，仅限选择挂失换卡路径。
通过上述方案，完善了个人账户业务挂失后的解挂失业务方案，也为用户提供了多种解挂路径，方便用户选择。
可选地，在结束挂失换卡业务之后，还可以通过自助终端的显示模块提示用户为新办理的账户凭证办理包括微信支付签约业务，第三方存管签约业务，基金账户存管签约业务，支付宝快捷支付签约业务，银联快捷支付签约业务和/或网银签约业务的账户授权签约业务，还可以提示用户办理存款转账等业务。通过在结束挂失换卡业务之后，提示用户办理其他业务，能增强自助终端的指导服务能力，给用户的操作提供指向。再者，通过为挂失后更换的新办理的账户凭证提供账户授权签约服务，能帮助恢复原账户的使用流动性，提高用户粘性。
本申请还提供一种银行账户解挂失业务处理系统100，请再次参见图1，在本申请银行账户挂失业务处理系统的第一实施例中，所述银行账户解挂失业务处理系统100包括自助终端110和与所述自助终端110通信连接的远程坐席终端120，其中，所述自助终端110包括：
响应模块111，用于响应用户发起的个人账户挂失或解挂请求，根据预设的条件与远程坐席终端120建立通信连接；
反馈模块112，用于接收远程坐席终端120发送的身份验证数据获取请求，根据所述身份验证数据获取请求提示用户输入相应的身份验证数据，并将用户输入的身份验证数据反馈至所述远程坐席终端120，以供所述远程坐席终端120对应的远程坐席根据所述身份验证数据核查用户身份；其中，所述身份验证数据包括用户身份信息；
查询模块113，用于在接收到所述远程坐席终端120发送的用户身份核查通过指令时，根据所述用户身份信息，查询所述用户的账户信息，并通过所述自助终端110显示所述被查询得到的账户信息；
提交模块114，用于根据用户的输入指令确定用户选择的挂失或解挂账户，并将所述用户选择的需要挂失或解挂的账户信息提交至所述远程坐席终端120，以在所述远程坐席复核成功后对所述银行账户进行挂失或解挂。
进一步地，账号签约授权状态是指用户通过银行的个人账户作为付款账户的授权支付协议签约状态，可以包括微信支付签约状态，第三方存管签约状态，基金账户存管签约状态，支付宝快捷支付签约状态，银联快捷支付签约状态以及网银签约状态等。
进一步地，基于本申请银行账户挂失业务处理系统100的第一实施例提出本申请银行账户挂失业务处理系统100的第二实施例，参见图7，在本实施例中，在银行账户挂失业务处理系统100，所述自助终端110还包括：
显示模块115，用于显示挂失业务的挂失类型，以供所述用户选择需要的挂失类型；
第一提示模块116，用于当所述用户选择的挂失类型是账户凭证挂失时，通过所述自助终端110提示用户输入用户身份验证码；
所述反馈模块112，还用于将所述用户输入的用户身份验证码和选择的挂失类型反馈至所述远程坐席终端120，以在所述远程坐席复核所述用户身份验证码和所述选择的挂失类型后完成所述银行账户的挂失。
进一步地，在所述银行账户挂失业务处理系统100中，所述反馈模块112还用于当所述用户选择的挂失类型是账户凭证与用户身份验证码挂失时，将所述用户选择的挂失类型反馈至所述远程坐席终端120，以在所述远程坐席复核所述选择的挂失类型后完成所述银行账户的挂失。
进一步地，基于本申请银行账户挂失业务处理系统100的第一实施例提出本申请银行账户挂失业务处理系统的第三实施例，参见图8，在本实施例中，所述自助终端110还包括：
第二提示模块117，用于提示用户输入解挂失业务所需的信息；
所述反馈模块112，还用于将所述解挂失业务所需的信息反馈至所述远程坐席终端120，以供所述远程坐席核查所述信息；
获取模块118，用于当所述解挂失业务所需的信息核查通过后，获取并显示所述解挂失业务对应的解挂路径；
处理模块119，用于根据用户的输入指令，确定并执行用户选择的解挂路径。
当用户确定的解挂路径是销户路径时，通过所述自助终端110提醒用户录入需要的销户材料信息；当接收到用户录入的销户材料信息，将用户录入的销户材料信息提交至所述远程坐席终端120。当用户确定的解挂路径是挂失换卡路径时，保存用户录入的换卡地址信息或通过所述自助终端110换发新卡给所述用户。
本申请还提供一种自助终端，在一实施例中，包括显示单元、输入单元、以及发卡单元，所述自助终端还包括处理器、存储器及存储在存储器上并可在处理器上运行的计算机程序；所述处理器执行所述计算机程序时实现如上任一实施例所述的自助终端的银行账户解挂失业务处理方法的步骤。
本申请还提出一种计算机可读存储介质，其上存储有计算机程序，所述计算机程序被处理器执行时实现如上述任一实施例所述的自助终端的银行账户解挂失业务处理方法的全部步骤。
通过以上的实施例的描述，本领域技术人员可以清楚了解到上述实施例方法可借助软件加必需的通用硬件平台或硬件的方式来实现。基于这样的理解，本申请的技术方案本质上可以以软件产品的形式体现出来，该计算机软件产品存储在一个计算机可读存储介质（如ROM/RAM、磁碟、光盘）中，包括若干指令用以使得一台终端（可以是手机，计算机，服务器，空调器，或者网络设备等）执行本申请各个实施例所述的方法。

Claims (26)

  1. 一种自助终端的银行账户解挂失业务处理方法，其中，包括步骤：
    响应用户发起的个人账户挂失或解挂请求，根据预设的条件与远程坐席终端建立通信连接；
    接收远程坐席终端发送的身份验证数据获取请求，根据所述身份验证数据获取请求提示用户输入相应的身份验证数据，并将用户输入的身份验证数据反馈至所述远程坐席终端，以供所述远程坐席终端对应的远程坐席根据所述身份验证数据核查用户身份；其中，所述身份验证数据包括用户身份信息；
    在接收到所述远程坐席终端发送的用户身份核查通过指令时，根据所述用户身份信息，查询所述用户的账户信息，并通过所述自助终端显示所述被查询得到的账户信息；
    根据用户的输入指令确定用户选择的挂失或解挂账户，并将所述用户选择的需要挂失或解挂的账户信息提交至所述远程坐席终端，以在所述远程坐席复核成功后对所述银行账户进行挂失或解挂。
  2. 如权利要求1所述的自助终端的银行账户解挂失业务处理方法，其中，在所述用户发起个人账户挂失请求时，所述根据用户的输入指令确定用户选择的挂失或解挂账户，并将所述用户选择的需要挂失或解挂的账户信息提交至所述远程坐席终端，以在所述远程坐席复核成功后对所述银行账户进行挂失或解挂的步骤之后，还包括：
    通过所述自助终端显示挂失业务的挂失类型，以供所述用户选择需要的挂失类型；
    当所述用户选择的挂失类型是账户凭证挂失时，通过所述自助终端提示用户输入用户身份验证码；
    将所述用户输入的用户身份验证码和选择的挂失类型反馈至所述远程坐席终端，以在所述远程坐席复核所述用户身份验证码和所述选择的挂失类型后完成所述银行账户的挂失。
  3. 如权利要求2所述的自助终端的银行账户解挂失业务处理方法，其中，在所述用户发起个人账户解挂失请求时，所述根据用户的输入指令确定用户选择的挂失或解挂账户，并将所述用户选择的需要挂失或解挂的账户信息提交至所述远程坐席终端，以在所述远程坐席复核成功后对所述银行账户进行挂失或解挂的步骤之后，还包括：
    通过自助终端提示用户输入解挂失业务所需的信息，并将所述解挂失业务所需的信息反馈至所述远程坐席终端，以供所述远程坐席核查所述信息；
    当所述解挂失业务所需的信息核查通过后，获取并显示所述解挂失业务对应的解挂路径；
    根据用户的输入指令，确定并执行用户选择的解挂路径。
  4. 如权利要求3所述的自助终端的银行账户解挂失业务处理方法，其中，所述根据用户的输入指令，确定并执行用户选择的解挂路径的步骤包括：
    当根据用户的输入指令确定的解挂路径是销户路径时，通过所述自助终端提醒用户录入需要的销户材料信息；
    当接收到用户录入的销户材料信息，将用户录入的销户材料信息提交至所述远程坐席终端。
  5. 如权利要求3所述的自助终端的银行账户解挂失业务处理方法，其中，所述根据用户的输入指令，确定并执行用户选择的解挂路径的步骤包括：
    当根据用户的输入指令确定的解挂路径是挂失换卡路径时，保存用户录入的换卡地址信息或通过所述自助终端换发新卡给所述用户。
  6. 如权利要求5所述的自助终端的银行账户解挂失业务处理方法，其中，所述通过所述自助终端换发新卡给所述用户的步骤之后还包括：
    通过自助终端提示用户办理新卡的账户签约授权业务，其中，所述账户签约授权业务包括微信支付签约业务，第三方存管签约业务，基金账户存管签约业务，支付宝快捷支付签约业务，银联快捷支付签约业务和/或网银签约业务。
  7. 如权利要求2所述的自助终端的银行账户解挂失业务处理方法，其中，所述挂失类型还包括账户凭证与用户身份验证码挂失；所述通过所述自助终端显示挂失业务的挂失类型，以供所述用户选择需要的挂失类型的步骤之后，还包括：
    当所述用户选择的挂失类型是账户凭证与用户身份验证码挂失时，将所述用户选择的挂失类型反馈至所述远程坐席终端，以在所述远程坐席复核所述选择的挂失类型后完成所述银行账户的挂失。
  8. 如权利要求7所述的自助终端的银行账户解挂失业务处理方法，其中，在所述用户发起个人账户解挂失请求时，所述根据用户的输入指令确定用户选择的挂失或解挂账户，并将所述用户选择的需要挂失或解挂的账户信息提交至所述远程坐席终端，以在所述远程坐席复核成功后对所述银行账户进行挂失或解挂的步骤之后，还包括：
    通过自助终端提示用户输入解挂失业务所需的信息，并将所述解挂失业务所需的信息反馈至所述远程坐席终端，以供所述远程坐席核查所述信息；
    当所述解挂失业务所需的信息核查通过后，获取并显示所述解挂失业务对应的解挂路径；
    根据用户的输入指令，确定并执行用户选择的解挂路径。
  9. 如权利要求8所述的自助终端的银行账户解挂失业务处理方法，其中，所述根据用户的输入指令，确定并执行用户选择的解挂路径的步骤包括：
    当根据用户的输入指令确定的解挂路径是销户路径时，通过所述自助终端提醒用户录入需要的销户材料信息；
    当接收到用户录入的销户材料信息，将用户录入的销户材料信息提交至所述远程坐席终端；
    或者，
    当根据用户的输入指令确定的解挂路径是挂失换卡路径时，保存用户录入的换卡地址信息或通过所述自助终端换发新卡给所述用户。
  10. 如权利要求1所述的自助终端的银行账户解挂失业务处理方法，其中，在所述用户发起个人账户解挂失请求时，所述根据用户的输入指令确定用户选择的挂失或解挂账户，并将所述用户选择的需要挂失或解挂的账户信息提交至所述远程坐席终端，以在所述远程坐席复核成功后对所述银行账户进行挂失或解挂的步骤之后，还包括：
    通过自助终端提示用户输入解挂失业务所需的信息，并将所述解挂失业务所需的信息反馈至所述远程坐席终端，以供所述远程坐席核查所述信息；
    当所述解挂失业务所需的信息核查通过后，获取并显示所述解挂失业务对应的解挂路径；
    根据用户的输入指令，确定并执行用户选择的解挂路径。
  11. 如权利要求10所述的自助终端的银行账户解挂失业务处理方法，其中，所述根据用户的输入指令，确定并执行用户选择的解挂路径的步骤包括：
    当根据用户的输入指令确定的解挂路径是销户路径时，通过所述自助终端提醒用户录入需要的销户材料信息；
    当接收到用户录入的销户材料信息，将用户录入的销户材料信息提交至所述远程坐席终端。
  12. 如权利要求10所述的自助终端的银行账户解挂失业务处理方法，其中，所述根据用户的输入指令，确定并执行用户选择的解挂路径的步骤包括：
    当根据用户的输入指令确定的解挂路径是挂失换卡路径时，保存用户录入的换卡地址信息或通过所述自助终端换发新卡给所述用户。
  13. 如权利要求12所述的自助终端的银行账户解挂失业务处理方法，其中，所述通过所述自助终端换发新卡给所述用户的步骤之后还包括：
    通过自助终端提示用户办理新卡的账户签约授权业务，其中，所述账户签约授权业务包括微信支付签约业务，第三方存管签约业务，基金账户存管签约业务，支付宝快捷支付签约业务，银联快捷支付签约业务和/或网银签约业务。
  14. 一种自助终端，所述自助终端与远程坐席终端通信连接，包括显示单元、输入单元以及发卡单元，其中，所述自助终端还包括处理器、存储器及存储在存储器上并可在处理器上运行的计算机程序；所述处理器执行所述计算机程序时实现以下步骤：
    响应用户发起的个人账户挂失或解挂请求，根据预设的条件与远程坐席终端建立通信连接；
    接收远程坐席终端发送的身份验证数据获取请求，根据所述身份验证数据获取请求提示用户输入相应的身份验证数据，并将用户输入的身份验证数据反馈至所述远程坐席终端，以供所述远程坐席终端对应的远程坐席根据所述身份验证数据核查用户身份；其中，所述身份验证数据包括用户身份信息；
    在接收到所述远程坐席终端发送的用户身份核查通过指令时，根据所述用户身份信息，查询所述用户的账户信息，并通过所述自助终端显示所述被查询得到的账户信息；
    根据用户的输入指令确定用户选择的挂失或解挂账户，并将所述用户选择的需要挂失或解挂的账户信息提交至所述远程坐席终端，以在所述远程坐席复核成功后对所述银行账户进行挂失或解挂。
  15. 如权利要求14所述的自助终端，其中，所述处理器执行所述计算机程序时还实现以下步骤：
    通过所述自助终端显示挂失业务的挂失类型，以供所述用户选择需要的挂失类型；
    当所述用户选择的挂失类型是账户凭证挂失时，通过所述自助终端提示用户输入用户身份验证码；
    将所述用户输入的用户身份验证码和选择的挂失类型反馈至所述远程坐席终端，以在所述远程坐席复核所述用户身份验证码和所述选择的挂失类型后完成所述银行账户的挂失。
  16. 如权利要求15所述的自助终端，其中，所述处理器执行所述计算机程序时还实现以下步骤：
    通过自助终端提示用户输入解挂失业务所需的信息，并将所述解挂失业务所需的信息反馈至所述远程坐席终端，以供所述远程坐席核查所述信息；
    当所述解挂失业务所需的信息核查通过后，获取并显示所述解挂失业务对应的解挂路径；
    根据用户的输入指令，确定并执行用户选择的解挂路径。
  17. 如权利要求16所述的自助终端，其中，所述处理器执行所述计算机程序时还实现以下步骤：
    当根据用户的输入指令确定的解挂路径是销户路径时，通过所述自助终端提醒用户录入需要的销户材料信息；
    当接收到用户录入的销户材料信息，将用户录入的销户材料信息提交至所述远程坐席终端；
    或者，
    当根据用户的输入指令确定的解挂路径是挂失换卡路径时，保存用户录入的换卡地址信息或通过所述自助终端换发新卡给所述用户。
  18. 如权利要求15所述的自助终端，其中，所述处理器执行所述计算机程序时还实现以下步骤：
    当所述用户选择的挂失类型是账户凭证与用户身份验证码挂失时，将所述用户选择的挂失类型反馈至所述远程坐席终端，以在所述远程坐席复核所述选择的挂失类型后完成所述银行账户的挂失。
  19. 如权利要求14所述的自助终端，其中，所述处理器执行所述计算机程序时还实现以下步骤：
    通过自助终端提示用户输入解挂失业务所需的信息，并将所述解挂失业务所需的信息反馈至所述远程坐席终端，以供所述远程坐席核查所述信息；
    当所述解挂失业务所需的信息核查通过后，获取并显示所述解挂失业务对应的解挂路径；
    根据用户的输入指令，确定并执行用户选择的解挂路径。
  20. 如权利要求19所述的自助终端，其中，所述处理器执行所述计算机程序时还实现以下步骤：
    当根据用户的输入指令确定的解挂路径是销户路径时，通过所述自助终端提醒用户录入需要的销户材料信息；
    当接收到用户录入的销户材料信息，将用户录入的销户材料信息提交至所述远程坐席终端；
    或者，
    当根据用户的输入指令确定的解挂路径是挂失换卡路径时，保存用户录入的换卡地址信息或通过所述自助终端换发新卡给所述用户。
  21. 一种计算机可读存储介质，其中，所述计算机可读存储介质上存储有计算机程序，所述计算机程序被处理器执行时实现以下步骤：
    响应用户发起的个人账户挂失或解挂请求，根据预设的条件与远程坐席终端建立通信连接；
    接收远程坐席终端发送的身份验证数据获取请求，根据所述身份验证数据获取请求提示用户输入相应的身份验证数据，并将用户输入的身份验证数据反馈至所述远程坐席终端，以供所述远程坐席终端对应的远程坐席根据所述身份验证数据核查用户身份；其中，所述身份验证数据包括用户身份信息；
    在接收到所述远程坐席终端发送的用户身份核查通过指令时，根据所述用户身份信息，查询所述用户的账户信息，并通过所述自助终端显示所述被查询得到的账户信息；
    根据用户的输入指令确定用户选择的挂失或解挂账户，并将所述用户选择的需要挂失或解挂的账户信息提交至所述远程坐席终端，以在所述远程坐席复核成功后对所述银行账户进行挂失或解挂。
  22. 如权利要求21所述的计算机可读存储介质，其中，所述计算机程序被处理器执行时还实现以下步骤：
    通过所述自助终端显示挂失业务的挂失类型，以供所述用户选择需要的挂失类型；
    当所述用户选择的挂失类型是账户凭证挂失时，通过所述自助终端提示用户输入用户身份验证码；
    将所述用户输入的用户身份验证码和选择的挂失类型反馈至所述远程坐席终端，以在所述远程坐席复核所述用户身份验证码和所述选择的挂失类型后完成所述银行账户的挂失。
  23. 如权利要求22所述的计算机可读存储介质，其中，所述计算机程序被处理器执行时还实现以下步骤：
    通过自助终端提示用户输入解挂失业务所需的信息，并将所述解挂失业务所需的信息反馈至所述远程坐席终端，以供所述远程坐席核查所述信息；
    当所述解挂失业务所需的信息核查通过后，获取并显示所述解挂失业务对应的解挂路径；
    根据用户的输入指令，确定并执行用户选择的解挂路径。
  24. 如权利要求22所述的计算机可读存储介质，其中，所述计算机程序被处理器执行时还实现以下步骤：
    当所述用户选择的挂失类型是账户凭证与用户身份验证码挂失时，将所述用户选择的挂失类型反馈至所述远程坐席终端，以在所述远程坐席复核所述选择的挂失类型后完成所述银行账户的挂失。
  25. 如权利要求21所述的计算机可读存储介质，其中，所述计算机程序被处理器执行时还实现以下步骤：
    通过自助终端提示用户输入解挂失业务所需的信息，并将所述解挂失业务所需的信息反馈至所述远程坐席终端，以供所述远程坐席核查所述信息；
    当所述解挂失业务所需的信息核查通过后，获取并显示所述解挂失业务对应的解挂路径；
    根据用户的输入指令，确定并执行用户选择的解挂路径。
  26. 一种银行账户解挂失业务处理系统，其中，包括自助终端和与所述自助终端通信连接的远程坐席终端，其中，所述自助终端包括：
    响应模块，用于响应用户发起的个人账户挂失或解挂请求，根据预设的条件与远程坐席终端建立通信连接；
    反馈模块，用于接收远程坐席终端发送的身份验证数据获取请求，根据所述身份验证数据获取请求提示用户输入相应的身份验证数据，并将用户输入的身份验证数据反馈至所述远程坐席终端，以供所述远程坐席终端对应的远程坐席根据所述身份验证数据核查用户身份；其中，所述身份验证数据包括用户身份信息；
    查询模块，用于在接收到所述远程坐席终端发送的用户身份核查通过指令时，根据所述用户身份信息，查询所述用户的账户信息，并通过所述自助终端显示所述被查询得到的账户信息；
    提交模块，用于根据用户的输入指令确定用户选择的挂失或解挂账户，并将所述用户选择的需要挂失或解挂的账户信息提交至所述远程坐席终端，以在所述远程坐席复核成功后对所述银行账户进行挂失或解挂。
PCT/CN2018/075164 2017-11-08 2018-02-02 银行账户解挂失业务处理方法、系统、终端及存储介质 WO2019091000A1 (zh)

Applications Claiming Priority (2)

Application Number Priority Date Filing Date Title
CN201711090239.2A CN107895256A (zh) 2017-11-08 2017-11-08 银行账户解挂失业务处理方法、系统、终端及存储介质
CN201711090239.2 2017-11-08

Publications (1)

Publication Number Publication Date
WO2019091000A1 true WO2019091000A1 (zh) 2019-05-16

Family

ID=61804283

Family Applications (1)

Application Number Title Priority Date Filing Date
PCT/CN2018/075164 WO2019091000A1 (zh) 2017-11-08 2018-02-02 银行账户解挂失业务处理方法、系统、终端及存储介质

Country Status (2)

Country Link
CN (1) CN107895256A (zh)
WO (1) WO2019091000A1 (zh)

Families Citing this family (12)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
CN109887195A (zh) * 2019-03-17 2019-06-14 中国建设银行股份有限公司 一种自助柜员机的操作方法和系统
CN110245936A (zh) * 2019-05-14 2019-09-17 阿里巴巴集团控股有限公司 移动支付自助签约方法、装置和系统
CN111652623A (zh) * 2020-05-29 2020-09-11 支付宝(杭州)信息技术有限公司 冻结账户解冻的数据处理方法、装置及设备
CN111709836A (zh) * 2020-06-18 2020-09-25 中国银行股份有限公司 一种实现撤销银行账户的方法及装置
CN111724154B (zh) * 2020-06-30 2023-07-04 中国银行股份有限公司 一种远程解冻方法及系统
CN112200563A (zh) * 2020-09-15 2021-01-08 中信银行股份有限公司 一种多账号的金融卡的管理方法、装置、电子设备及介质
CN112561677A (zh) * 2020-10-29 2021-03-26 中国农业银行股份有限公司福建省分行 一种现金自助设备实现零钞支付的方法以及装置
CN112950199B (zh) * 2021-02-04 2023-06-23 中国联合网络通信集团有限公司 通信标识的防盗用方法和服务器
CN112954688B (zh) * 2021-02-04 2022-10-28 中国联合网络通信集团有限公司 通信标识的验证方法和服务器、核心网设备
CN113259868B (zh) * 2021-05-18 2022-07-19 中国银行股份有限公司 跨省应急换卡方法及装置
CN113259873B (zh) * 2021-05-20 2022-03-25 中国银行股份有限公司 基于5g消息的预约换卡方法、系统及银行端
CN113347582B (zh) * 2021-06-08 2022-02-15 中国银行股份有限公司 银行卡代办挂失的方法及装置

Citations (5)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
CN101227472A (zh) * 2008-02-01 2008-07-23 中国建设银行股份有限公司 一种资金信息管理系统及方法
CN101231737A (zh) * 2008-02-25 2008-07-30 北京飞天诚信科技有限公司 一种增强网上银行交易安全性的系统及方法
US20090132819A1 (en) * 2007-11-16 2009-05-21 Feitian Technologies Co., Ltd. System for self-service recharging and method for the same
CN103944736A (zh) * 2014-04-25 2014-07-23 天地融科技股份有限公司 数据安全交互方法
CN104486417A (zh) * 2014-12-16 2015-04-01 上海斐讯数据通信技术有限公司 基于云服务的账户安全管理系统及方法

Patent Citations (5)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US20090132819A1 (en) * 2007-11-16 2009-05-21 Feitian Technologies Co., Ltd. System for self-service recharging and method for the same
CN101227472A (zh) * 2008-02-01 2008-07-23 中国建设银行股份有限公司 一种资金信息管理系统及方法
CN101231737A (zh) * 2008-02-25 2008-07-30 北京飞天诚信科技有限公司 一种增强网上银行交易安全性的系统及方法
CN103944736A (zh) * 2014-04-25 2014-07-23 天地融科技股份有限公司 数据安全交互方法
CN104486417A (zh) * 2014-12-16 2015-04-01 上海斐讯数据通信技术有限公司 基于云服务的账户安全管理系统及方法

Also Published As

Publication number Publication date
CN107895256A (zh) 2018-04-10

Similar Documents

Publication Publication Date Title
WO2019091000A1 (zh) 银行账户解挂失业务处理方法、系统、终端及存储介质
US11010751B2 (en) Performing transactions using virtual card values
WO2012130035A1 (zh) 一种用户认证授权的方法及其实现系统
WO2019144530A1 (zh) 信用卡转开户业务实现方法、设备、系统及存储介质
WO2014119963A1 (ko) Qr 코드를 이용한 즉시 결제 시스템 및 방법
CA2896572C (en) Universal electronic payment credential processing
WO2019090983A1 (zh) 基于医疗保险的理赔方法、装置及系统
US10922690B2 (en) System and method for purchasing using biometric authentication
WO2016197330A1 (zh) 门禁管理方法及系统
MXPA04008599A (es) Sistema de transferencia electronica.
KR20030011578A (ko) 전자 결제 방법, 시스템, 및 장치
WO2019090995A1 (zh) 自助开户发卡方法、自助终端及计算机可读存储介质
KR20100135249A (ko) 모바일 전화 장치를 이용하는 지불 거래를 인증하도록 구성되는 거래 서버
KR20020033018A (ko) 회원 등록 방법
WO2017188488A1 (ko) 모바일 선불카드의 서비스 시스템, 이의 클론카드 저장장치 및 서비스 방법
WO2019144515A1 (zh) 网银开通方法、设备、系统及计算机可读存储介质
US20180268412A1 (en) Transaction device
US10430792B2 (en) Transaction device
WO2014032206A1 (zh) 一种快速支付系统和相应方法
WO2019144533A1 (zh) 自动还款方法、银行服务器、存储介质及自动还款装置
JP7021601B2 (ja) 制御プログラム、制御方法、及び情報処理装置
TWI373738B (zh)
WO2019144531A1 (zh) 基于vtm的信息变更方法、系统、设备及存储介质
US20200097968A1 (en) System and logic to convert an existing online bank transfer transaction
CN112884469A (zh) 一种支付方法、装置及系统

Legal Events

Date Code Title Description
121 Ep: the epo has been informed by wipo that ep was designated in this application

Ref document number: 18875997

Country of ref document: EP

Kind code of ref document: A1

NENP Non-entry into the national phase

Ref country code: DE

32PN Ep: public notification in the ep bulletin as address of the adressee cannot be established

Free format text: NOTING OF LOSS OF RIGHTS PURSUANT TO RULE 112(1) EPC (EPO FORM 1205A DATED 01.10.2020)

122 Ep: pct application non-entry in european phase

Ref document number: 18875997

Country of ref document: EP

Kind code of ref document: A1