CN115188140B - ATM deposit and withdrawal method and device - Google Patents
ATM deposit and withdrawal method and device Download PDFInfo
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- CN115188140B CN115188140B CN202210830317.2A CN202210830317A CN115188140B CN 115188140 B CN115188140 B CN 115188140B CN 202210830317 A CN202210830317 A CN 202210830317A CN 115188140 B CN115188140 B CN 115188140B
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- RWSOTUBLDIXVET-UHFFFAOYSA-N Dihydrogen sulfide Chemical compound S RWSOTUBLDIXVET-UHFFFAOYSA-N 0.000 claims abstract description 21
- 238000000151 deposition Methods 0.000 claims abstract description 17
- 238000012795 verification Methods 0.000 claims description 44
- 238000004590 computer program Methods 0.000 claims description 25
- 238000004891 communication Methods 0.000 claims description 11
- 230000006399 behavior Effects 0.000 claims description 10
- 238000003860 storage Methods 0.000 claims description 8
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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]
- G07F19/202—Depositing operations within ATMs
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- G—PHYSICS
- G07—CHECKING-DEVICES
- G07F—COIN-FREED OR LIKE APPARATUS
- G07F19/00—Complete banking systems; Coded card-freed arrangements adapted for dispensing or receiving monies or the like and posting such transactions to existing accounts, e.g. automatic teller machines
- G07F19/20—Automatic teller machines [ATMs]
- G07F19/203—Dispensing operations within ATMs
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Abstract
The invention discloses an ATM deposit and withdrawal method and device, and relates to the financial field, wherein the method comprises the following steps: receiving an ATM query request input by a user, wherein the request comprises to-be-handled service information and appointed position information; acquiring first ATM information within a preset distance range of the designated position information; selecting second ATM information of which the service attribute of the ATM meets the service type to be handled from the first ATM information; transmitting the second ATM information to the user so that the user selects any one of the ATM information from the second ATM information as the designated ATM; any account information associated with the mobile phone bank selected by the user is received; any account information associated with the mobile phone bank selected by the user is sent to the appointed ATM, so that the user operates the appointed ATM to transact the deposit and withdrawal business on any account information associated with the mobile phone bank selected by the user. The invention can avoid the user finding the ATM, but the ATM does not meet the user depositing and withdrawing requirements, thereby saving the user time.
Description
Technical Field
The invention relates to the field of finance, in particular to an ATM (automatic teller machine) deposit and withdrawal method and device.
Background
This section is intended to provide a background or context to the embodiments of the invention that are recited in the claims. The description herein is not admitted to be prior art by inclusion in this section.
At present, ATM is an important channel for depositing and withdrawing of users, however, the depositing and withdrawing function of each big bank for ATM is not complete, and because the user cannot know ATM information in advance, the ATM is often difficult to find, but the ATM cannot meet the depositing and withdrawing requirements of the user (for example, ATM does not have deposit function, which causes the user to be unable to deposit, etc.), which seriously affects the user experience and wastes the time of the user.
Disclosure of Invention
The embodiment of the invention provides an ATM (automatic teller machine) deposit and withdrawal method, which is used for avoiding the situation that a user finds an ATM but the ATM does not meet the deposit and withdrawal requirement of the user, saving the time of the user handling business in the ATM and improving the user experience, and comprises the following steps:
Receiving an ATM query request input by a user, wherein the ATM query request comprises to-be-handled service information and appointed position information; the to-be-handled business information comprises a to-be-handled business type;
acquiring ATM information within a preset distance range of the specified position information according to the specified position information, and taking the ATM information as first ATM information;
selecting second ATM information of which the service attribute of the ATM meets the service type to be handled from the first ATM information according to the service type to be handled;
transmitting second ATM information to the user so that the user selects any one of the second ATM information, and transacting business by using the ATM corresponding to the selected ATM information as a designated ATM;
after a user arrives at the position of the appointed ATM, scanning two-dimensional code information on the appointed ATM by utilizing a mobile phone bank, and establishing communication connection with the appointed ATM, and then receiving any account information associated with the mobile phone bank selected by the user;
any account information associated with the mobile phone bank selected by the user is sent to the appointed ATM, so that the user operates the appointed ATM to transact the deposit and withdrawal business on any account information associated with the mobile phone bank selected by the user.
The embodiment of the invention also provides an ATM deposit and withdrawal device, which is used for avoiding the situation that a user finds an ATM but the ATM does not meet the deposit and withdrawal requirement of the user, saving the time of the user handling the business in the ATM and improving the user experience, and comprises the following components:
The receiving module is used for receiving an ATM query request input by a user, wherein the ATM query request comprises to-be-handled service information and appointed position information; the to-be-handled business information comprises a to-be-handled business type;
The position inquiry module is used for acquiring ATM information within a preset distance range of the specified position information according to the specified position information, and taking the ATM information as first ATM information;
The attribute inquiry module is used for selecting second ATM information of which the service attribute of the ATM meets the service type to be handled from the first ATM information according to the service type to be handled;
An ATM selection module for transmitting second ATM information to the user so that the user selects any one of the second ATM information, and transacting business by using the ATM corresponding to the selected ATM information as a designated ATM;
The account selection module is used for receiving any account information related to the mobile phone bank selected by the user after the user arrives at the position of the designated ATM and the mobile phone bank scans the two-dimensional code information on the designated ATM and establishes communication connection with the designated ATM;
The account sending module is used for sending any account information associated with the mobile phone bank selected by the user to the appointed ATM so that the user operates the appointed ATM to transact the deposit and withdrawal business on any account information associated with the mobile phone bank selected by the user.
The embodiment of the invention also provides computer equipment, which comprises a memory, a processor and a computer program stored on the memory and capable of running on the processor, wherein the ATM deposit and withdrawal method is realized when the processor executes the computer program.
The embodiment of the invention also provides a computer readable storage medium which stores a computer program, and the computer program realizes the ATM deposit and withdrawal method when being executed by a processor.
Embodiments of the present invention also provide a computer program product comprising a computer program which, when executed by a processor, implements the ATM deposit and withdrawal method described above.
In the embodiment of the invention, an ATM query request input by a user is received, wherein the ATM query request comprises to-be-handled service information and appointed position information; the to-be-handled business information comprises a to-be-handled business type; acquiring ATM information within a preset distance range of the specified position information according to the specified position information, and taking the ATM information as first ATM information; selecting second ATM information of which the service attribute of the ATM meets the service type to be handled from the first ATM information according to the service type to be handled; transmitting second ATM information to the user so that the user selects any one of the second ATM information, and transacting business by using the ATM corresponding to the selected ATM information as a designated ATM; after a user arrives at the position of the appointed ATM, scanning two-dimensional code information on the appointed ATM by utilizing a mobile phone bank, and establishing communication connection with the appointed ATM, and then receiving any account information associated with the mobile phone bank selected by the user; any account information associated with the mobile phone bank selected by the user is sent to the appointed ATM, so that the user operates the appointed ATM to transact the deposit and withdrawal business on any account information associated with the mobile phone bank selected by the user. Compared with the prior technical scheme of ATM deposit and withdrawal, the user can query the ATM information meeting the transaction of deposit and withdrawal by the mobile phone bank before proceeding to the ATM to process the deposit and withdrawal, thereby avoiding the user from finding out the ATM, but the ATM does not meet the deposit and withdrawal requirements of the user, further saving the time of the user to process the deposit and withdrawal on the ATM and improving the user experience.
Drawings
In order to more clearly illustrate the embodiments of the invention or the technical solutions in the prior art, the drawings that are required in the embodiments or the description of the prior art will be briefly described, it being obvious that the drawings in the following description are only some embodiments of the invention, and that other drawings may be obtained according to these drawings without inventive effort for a person skilled in the art. In the drawings:
FIG. 1 is a flow chart of an ATM deposit and withdrawal method provided in an embodiment of the present invention;
FIG. 2 is a flow chart of yet another ATM deposit and withdrawal method provided in an embodiment of the present invention;
FIG. 3 is a schematic diagram of an ATM depositing and dispensing apparatus according to an embodiment of the present invention;
FIG. 4 is a schematic diagram of yet another ATM depositing and dispensing apparatus provided in an embodiment of the present invention;
fig. 5 is a schematic diagram of a computer device according to an embodiment of the present invention.
Detailed Description
For the purpose of making the objects, technical solutions and advantages of the embodiments of the present invention more apparent, the embodiments of the present invention will be described in further detail with reference to the accompanying drawings. The exemplary embodiments of the present invention and their descriptions herein are for the purpose of explaining the present invention, but are not to be construed as limiting the invention.
In the description of the present specification, the terms "comprising," "including," "having," "containing," and the like are open-ended terms, meaning including, but not limited to. The description of the reference terms "one embodiment," "a particular embodiment," "some embodiments," "for example," etc., means that a particular feature, structure, or characteristic described in connection with the embodiment or example is included in at least one embodiment or example of the application. In this specification, schematic representations of the above terms do not necessarily refer to the same embodiments or examples. Furthermore, the particular features, structures, or characteristics described may be combined in any suitable manner in any one or more embodiments or examples. The order of steps involved in the embodiments is illustrative of the practice of the application, and is not limited and may be suitably modified as desired.
According to research, users often encounter the situation that the ATM is not easy to find when depositing and withdrawing the ATM, but the user can not deposit or withdraw the ATM; in addition, for the money withdrawing business, the user can know whether the ATM meets the money withdrawing amount requirement of the user only after inserting the entity bank card, inputting the password and inputting the money withdrawing amount, and finally, the user can find that the cash can not be obtained after the user possibly finishes operation, so that the user experience is seriously influenced, and the time of the user is wasted.
Therefore, in order to solve the above-mentioned problem, the embodiment of the invention provides an ATM deposit and withdrawal scheme, which can make a user check in advance whether the ATM near the designated location can handle deposit and withdrawal service or not by centrally managing the ATM, and whether the ATM can meet the withdrawal amount requirement of the user, and realize non-card deposit and withdrawal through interaction of the APP and the ATM, thereby achieving the purposes of saving the time of the user handling the deposit and withdrawal service at the ATM and improving the user experience.
Referring to fig. 1, a flow chart of an ATM depositing and dispensing method according to an embodiment of the present invention includes the following steps:
step 101, receiving an ATM query request input by a user, wherein the ATM query request comprises to-be-handled service information and appointed position information; the to-be-handled business information comprises a to-be-handled business type;
102, acquiring ATM information within a preset distance range of the appointed position information as first ATM information according to the appointed position information;
Step 103, selecting second ATM information of which the service attribute of the ATM meets the service type to be handled from the first ATM information according to the service type to be handled;
Step 104, sending the second ATM information to the user so that the user selects any one of the second ATM information, and transacting business by using the ATM corresponding to the selected ATM information as the appointed ATM;
step 105, after the user arrives at the position of the appointed ATM, the mobile phone bank is utilized to scan the two-dimension code information on the appointed ATM, and after the communication connection is established with the appointed ATM, any account information associated with the mobile phone bank selected by the user is received;
Step 106, any account information associated with the mobile phone bank selected by the user is sent to the appointed ATM, so that the user operates the appointed ATM to transact the deposit and withdrawal business on any account information associated with the mobile phone bank selected by the user.
In the embodiment of the invention, an ATM query request input by a user is received, wherein the ATM query request comprises to-be-handled service information and appointed position information; the to-be-handled business information comprises a to-be-handled business type; acquiring ATM information within a preset distance range of the specified position information according to the specified position information, and taking the ATM information as first ATM information; selecting second ATM information of which the service attribute of the ATM meets the service type to be handled from the first ATM information according to the service type to be handled; transmitting second ATM information to the user so that the user selects any one of the second ATM information, and transacting business by using the ATM corresponding to the selected ATM information as a designated ATM; after a user arrives at the position of the appointed ATM, scanning two-dimensional code information on the appointed ATM by utilizing a mobile phone bank, and establishing communication connection with the appointed ATM, and then receiving any account information associated with the mobile phone bank selected by the user; any account information associated with the mobile phone bank selected by the user is sent to the appointed ATM, so that the user operates the appointed ATM to transact the deposit and withdrawal business on any account information associated with the mobile phone bank selected by the user. Compared with the prior technical scheme of ATM deposit and withdrawal, the user can query the ATM information meeting the transaction of deposit and withdrawal business through the mobile phone bank before going to the ATM to handle the deposit and withdrawal business, thereby avoiding the situation that the user finds the ATM but the ATM does not meet the deposit and withdrawal requirement of the user, further saving the time of the user for handling the deposit and withdrawal business on the ATM and improving the user experience.
In the embodiment of the present invention, the ATM management module may be embedded in a mobile phone bank (a bank APP of an intelligent terminal). In this module, the management of information such as ATM location information, ATM service attribute information, and cash amounts of the ATM can be realized by numbering all the ATM's of the bank.
The ATM deposit and withdrawal method described in fig. 1 will be described in detail.
In step 101 described above, the user may enter an ATM query request at a cell phone bank.
In specific implementation, the ATM query request may include to-be-handled service information, specified location information, and the like; the to-be-handled service information may include a type of the to-be-handled service.
In the embodiment of the present invention, the to-be-handled service type may include at least one of the following: deposit business and withdrawal business. That is, the user may transact only deposit business, only withdrawal business, or both deposit and withdrawal business.
In the step 102, after receiving the ATM query request input by the user, the mobile banking may query, as the first ATM information, ATM information within a preset distance range of the specified location information according to the specified location information in the ATM query request.
In the implementation, the mobile phone bank can inquire the ATM information within a preset distance range according to the longitude and latitude position information of the appointed position information. The specified location information may be current location information of the user, or may be specified location information manually input by the user.
For example, a user may specify a particular location a and may specify querying a plurality of ATM information within a 3km range (i.e., a preset distance range) of location a.
In step 103, the mobile banking may further select, according to the type of the service to be handled, second ATM information having a service attribute of ATM satisfying the type of the service to be handled from the first ATM information.
In particular, the service attribute of the ATM is used to indicate a service function that the ATM can handle, e.g., the service attribute of the ATM can include any of deposit, withdrawal, and deposit. By selecting the second ATM information of the type of the business to be handled from the first ATM information, the ATM information provided for the user can be ensured to meet the business handling requirements of the user, and the situation that the ATM cannot handle a certain type of business after the user arrives at the ATM is avoided, so that the time of the user can be saved.
In step 104, the second ATM information is sent to the user for selection by the user. The user can select any one of the second ATM information and transact business by using the ATM corresponding to the selected ATM information as the designated ATM.
In the embodiment of the invention, after the user selects the designated ATM, the navigation software can be called to provide the navigation path to the designated ATM for the user.
In the step 105, after the user arrives at the location of the specified ATM and the two-dimensional code information on the specified ATM is scanned by the mobile phone bank, the user can select any account information associated with the mobile phone bank as the account for transacting the business after establishing a communication connection with the specified ATM.
When the embodiment of the invention is concretely implemented, the function of card-free depositing and withdrawing of any account of the user can be realized, the user logs in the mobile phone bank APP, scans the two-dimensional code displayed on the appointed ATM through the mobile phone bank, establishes communication connection with the appointed ATM, and then the user can select any account information bound by the user information of the mobile phone bank from the mobile phone bank to be used as an account for transacting business.
In the implementation, the account information associated with the mobile phone bank can be an own account or another account, but the other account can only be used for transacting deposit business.
In step 106, the mobile phone bank transmits any account information associated with the mobile phone bank selected by the user to the designated ATM. So that the user operates the appointed ATM to conduct deposit and withdrawal business transaction on any account information associated with the mobile phone bank selected by the user.
When the ATM is in implementation, after receiving any account information associated with the mobile phone bank selected by the user, the user can complete the transaction of the deposit and withdrawal service according to the prompt of the ATM. Meanwhile, in order to improve the safety of depositing and withdrawing, after the user finishes inputting the account password according to the prompt of the ATM, the user can further verify through a safety verification tool (such as a single short message verification code, a dynamic password, an audio key, a SIM shield, a preset problem, a mobile phone shield, a human face and the like), and if the verification is passed, the ATM can call a banking system to inquire the account information and balance information so as to transact the business.
Since the user may not have the cash line in the ATM satisfying the cash line of the user when handling the withdrawal service, which causes the user to have inconvenience in handling the withdrawal service, as shown in fig. 2, in the embodiment of the present invention, an ATM deposit and withdrawal method is further provided, where in the case where the type of service to be handled includes the withdrawal service, specifically, after step 104, the method may further include the following steps:
Step 201, receiving a request for inquiring the amount of a specified ATM, which is input by a user and comprises the withdrawal amount, under the condition that the type of the to-be-handled service comprises the withdrawal service;
Step 202, verifying whether cash amount information corresponding to a specified ATM meets the withdrawal amount according to the withdrawal amount;
Step 203, when the cash amount information corresponding to the specified ATM satisfies the withdrawal amount, a prompt message for dealing with the withdrawal service to the specified ATM is sent to the user.
In a specific implementation, if the type of the to-be-handled service includes a withdrawal service, that is, if the type of the to-be-handled service is a withdrawal service or a deposit and withdrawal service, a request for inquiring the amount of the specified ATM sent by the user may be received, where the request for inquiring the amount may include a withdrawal amount, and the withdrawal amount is an estimated withdrawal amount input by the user. The ATM management module in the mobile phone bank can maintain and manage the cash amount information of the ATM. Therefore, whether the cash amount information corresponding to the specified ATM satisfies the withdrawal amount can be verified according to the withdrawal amount input by the user.
In the specific implementation, considering that the cash amount information of the ATM is sensitive, the user can input the amount to be withdrawn, and whether the amount to be withdrawn meets the requirement of the amount to be withdrawn is only displayed for the user; that is, if the cash amount in the specified ATM satisfies the withdrawal amount, a prompt message is sent to the user to transact the withdrawal service to the specified ATM; if the cash amount in the appointed ATM does not meet the withdrawal amount, the prompting information of insufficient balance and replacement of the ATM is sent to the user.
Therefore, whether the cash amount information corresponding to the specified ATM meets the withdrawal amount or not is verified, the situation that the user arrives at the ATM, the cash amount in the ATM does not meet the withdrawal amount of the user, and the user cannot finish the transaction of the withdrawal service is avoided, so that the time of the user can be saved, and greater convenience is provided for the user.
In an embodiment of the present invention, in order to ensure the security of the cash amount information in the ATM, before the step 202, the method may further include:
invoking a security verification tool, and sending a security verification request to a user;
receiving security verification information input by a user according to a security verification request;
After the safety verification information passes the verification, verifying whether the cash amount information corresponding to the specified ATM meets the withdrawal amount according to the withdrawal amount.
In particular implementations, the security verification tool may include any of the following: short message verification code, short message verification code+dynamic password, audio key, SIM shield, preset problem, mobile phone shield, mobile phone shield+short message, mobile phone transaction code+face recognition, etc.
In an embodiment of the present invention, in order to further ensure the security of the cash value unit information in the ATM and prevent others from maliciously guessing the cash value unit value of the ATM, before the step 202, the method may further include:
According to historical behavior information of a user, performing risk verification on a limit query request which is input by the user and aims at a specified ATM; the historical behavior information comprises user historical quota query times;
and under the condition that the risk verification is passed, verifying whether cash amount information corresponding to the specified ATM meets the withdrawal amount according to the withdrawal amount.
In a specific implementation, the historical behavior information of the user may include historical query times of the user, specifically, the historical query times may be query times of the user on a day, or query times of the user on consecutive days, or accumulated query times of the user in a certain fixed period, where the query times of the user on the day are greater than preset query times, or the query times of the user on consecutive days are greater than preset query times, or when the accumulated query times of the user in a certain fixed period are greater than preset query times, the risk of the query request of the current time is indicated, and the user has malicious query behaviors, at this time, the query request of the current time may be refused, and the user is blacklisted, and is forbidden to use the function in a few days. For example, only one day is allowed to see if a certain ATM meets the withdrawal amount three times, more than three times, and no further inquiry is allowed on the same day; if the query upper limit is 21 times in 7 continuous days or the specified times are 60 times in a fixed 1 month accumulation, the user is judged to be a malicious user, the user can be listed in a blacklist, and the function is forbidden to be used in 10 days.
In the embodiment of the invention, the risk verification can also be performed on the withdrawal amount input by the user at the time. For example, a withdrawal amount value greater than a preset amount may alert the user to go to a counter for a withdrawal transaction.
In an embodiment of the present invention, after step 106, the method may further include:
After the user finishes handling the deposit and withdrawal business by the appointed ATM, receiving business handling result information sent by the appointed ATM;
And updating the corresponding cash limit information in the appointed ATM according to the business handling result information.
In the implementation, after the user finishes the business of handling the deposit and withdrawal of the appointed ATM, the user can also receive the business handling result information sent by the appointed ATM; and the mobile banking updates and appoints the corresponding cash amount information in the ATM in real time according to the business handling result information. For example, the deposit and withdrawal transaction may be completed by updating cash amount information of the designated ATM in real time based on the deposit amount or withdrawal amount of the user.
In this way, it is ensured that the ATM information in the ATM management module is correct, avoiding providing the user with erroneous query results.
In the embodiment of the invention, because the user can inquire whether the ATM can meet the requirement of the money withdrawal amount in advance, the user cannot deal with the business immediately after inquiring, but other users can deal with the money withdrawal business at the ATM in the period, so that the money withdrawal requirement of the user cannot be met after the cash amount of the ATM is reduced, at this time, the user needs to send a short message prompt according to the reserved mobile phone number of the user, and the ATM information which meets the business requirement of the user is intelligently recommended according to the current position information of the user.
In the embodiment of the invention, after the user finishes the transaction of depositing and withdrawing business by specifying the ATM, the ATM information of historical depositing and withdrawing of the user can be stored and used for intelligently recommending the information of the historical used ATM for the user in the next depositing and withdrawing.
It should be noted that, in the technical scheme of the invention, the acquisition, storage, use, processing and the like of the data all conform to the relevant regulations of national laws and regulations
The embodiment of the invention also provides an ATM deposit and withdrawal device, as described in the following embodiment. Because the principle of the device for solving the problems is similar to that of the ATM deposit and withdrawal method, the implementation of the device can be referred to the implementation of the ATM deposit and withdrawal method, and the repetition is omitted.
Referring to fig. 3, a schematic diagram of an ATM depositing and dispensing device according to an embodiment of the present invention may include:
A receiving module 301, configured to receive an ATM query request input by a user, where the ATM query request includes to-be-handled service information and specified location information; the to-be-handled business information comprises a to-be-handled business type;
the location query module 302 is configured to obtain, according to the specified location information, ATM information within a preset distance range of the specified location information, as first ATM information;
The attribute query module 303 is configured to select, according to the type of the service to be handled, second ATM information, where the service attribute of the ATM satisfies the type of the service to be handled, from the first ATM information;
an ATM selection module 304 for transmitting second ATM information to the user so that the user selects any one of the ATM information from the second ATM information, and transacting business with the ATM corresponding to the selected ATM information as a designated ATM;
the account selection module 305 is configured to receive any account information associated with a mobile phone bank selected by a user after the user arrives at a location of the specified ATM and uses the mobile phone bank to scan two-dimensional code information on the specified ATM to establish communication connection with the specified ATM;
The account sending module 306 is configured to send any account information associated with the mobile phone bank selected by the user to the designated ATM, so that the user operates the designated ATM to transact the deposit and withdrawal service on any account information associated with the mobile phone bank selected by the user.
In the embodiment of the present invention, the to-be-handled service type may include at least one of the following: deposit business and withdrawal business.
In this embodiment of the present invention, as shown in fig. 4, the ATM credit inquiry module 401 may further include an ATM credit inquiry module, configured to send second ATM information to the user by using the ATM selection module, so that the user selects any ATM information from the second ATM information, and after the ATM corresponding to the selected ATM information is used as the designated ATM to transact the service:
Receiving a line inquiry request for a specified ATM input by a user under the condition that the to-be-handled service type comprises a withdrawal service, wherein the line inquiry request comprises a withdrawal amount;
According to the withdrawal amount, verifying whether cash amount information corresponding to the specified ATM meets the withdrawal amount;
And sending prompt information for dealing with the withdrawal business to the appointed ATM to the user when the cash amount information corresponding to the appointed ATM meets the withdrawal amount.
In the embodiment of the invention, the system further comprises a safety verification module, which is used for verifying whether the cash amount information corresponding to the specified ATM meets the withdrawal amount or not before the ATM amount inquiry module verifies the cash amount information according to the withdrawal amount:
invoking a security verification tool, and sending a security verification request to a user;
receiving security verification information input by a user according to a security verification request;
After the safety verification information passes the verification, verifying whether the cash amount information corresponding to the specified ATM meets the withdrawal amount according to the withdrawal amount.
In the embodiment of the invention, the system further comprises a risk verification module, wherein the risk verification module is used for verifying whether cash amount information corresponding to the specified ATM meets the withdrawal amount or not before the ATM amount inquiry module verifies the cash amount information according to the withdrawal amount:
According to historical behavior information of a user, performing risk verification on a limit query request which is input by the user and aims at a specified ATM; the historical behavior information comprises user historical quota query times;
and under the condition that the risk verification is passed, verifying whether cash amount information corresponding to the specified ATM meets the withdrawal amount according to the withdrawal amount.
In the embodiment of the invention, the mobile phone bank account management system further comprises a credit update module, wherein the credit update module is used for sending any account information associated with the mobile phone bank selected by the user to the designated ATM so that the user operates the designated ATM to transact the deposit and withdrawal business on any account information associated with the mobile phone bank selected by the user:
After the user finishes handling the deposit and withdrawal business by the appointed ATM, receiving business handling result information sent by the appointed ATM;
And updating the corresponding cash limit information in the appointed ATM according to the business handling result information.
An embodiment of the present invention further provides a computer device, as shown in fig. 5, which is a schematic diagram of the computer device in the embodiment of the present invention, where the computer device 500 includes a memory 510, a processor 520, and a computer program 530 stored in the memory 510 and capable of running on the processor 520, and the ATM depositing and withdrawing method is implemented when the processor 520 executes the computer program 530.
The embodiment of the invention also provides a computer readable storage medium which stores a computer program, and the computer program realizes the ATM deposit and withdrawal method when being executed by a processor.
Embodiments of the present invention also provide a computer program product comprising a computer program which, when executed by a processor, implements the ATM deposit and withdrawal method described above.
In the embodiment of the invention, an ATM query request input by a user is received, wherein the ATM query request comprises to-be-handled service information and appointed position information; the to-be-handled business information comprises a to-be-handled business type; acquiring ATM information within a preset distance range of the specified position information according to the specified position information, and taking the ATM information as first ATM information; selecting second ATM information of which the service attribute of the ATM meets the service type to be handled from the first ATM information according to the service type to be handled; transmitting second ATM information to the user so that the user selects any one of the second ATM information, and transacting business by using the ATM corresponding to the selected ATM information as a designated ATM; after a user arrives at the position of the appointed ATM, scanning two-dimensional code information on the appointed ATM by utilizing a mobile phone bank, and establishing communication connection with the appointed ATM, and then receiving any account information associated with the mobile phone bank selected by the user; any account information associated with the mobile phone bank selected by the user is sent to the appointed ATM, so that the user operates the appointed ATM to transact the deposit and withdrawal business on any account information associated with the mobile phone bank selected by the user. Compared with the prior technical scheme of ATM deposit and withdrawal, the user can query the ATM information meeting the deposit and withdrawal transaction through the mobile phone bank before going to the ATM to process the deposit and withdrawal transaction, thereby avoiding the situation that the user finds the ATM but the ATM does not meet the deposit and withdrawal requirements of the user, further saving the time of the user for processing the deposit and withdrawal transaction on the ATM and improving the user experience.
In the embodiment of the invention, whether the cash amount information corresponding to the appointed ATM meets the withdrawal amount is verified, so that the user can be prevented from arriving at the ATM, and the cash amount in the ATM does not meet the withdrawal amount of the user, so that the user can not complete the transaction of the withdrawal service, thereby saving the time of the user and providing great convenience for the user.
It will be appreciated by those skilled in the art that embodiments of the present invention may be provided as a method, system, or computer program product. Accordingly, the present invention may take the form of an entirely hardware embodiment, an entirely software embodiment or an embodiment combining software and hardware aspects. Furthermore, the present invention may take the form of a computer program product embodied on one or more computer-usable storage media (including, but not limited to, disk storage, CD-ROM, optical storage, and the like) having computer-usable program code embodied therein.
The present invention is described with reference to flowchart illustrations and/or block diagrams of methods, apparatus (systems) and computer program products according to embodiments of the invention. It will be understood that each flow and/or block of the flowchart illustrations and/or block diagrams, and combinations of flows and/or blocks in the flowchart illustrations and/or block diagrams, can be implemented by computer program instructions. These computer program instructions may be provided to a processor of a general purpose computer, special purpose computer, embedded processor, or other programmable data processing apparatus to produce a machine, such that the instructions, which execute via the processor of the computer or other programmable data processing apparatus, create means for implementing the functions specified in the flowchart flow or flows and/or block diagram block or blocks.
These computer program instructions may also be stored in a computer-readable memory that can direct a computer or other programmable data processing apparatus to function in a particular manner, such that the instructions stored in the computer-readable memory produce an article of manufacture including instruction means which implement the function specified in the flowchart flow or flows and/or block diagram block or blocks.
These computer program instructions may also be loaded onto a computer or other programmable data processing apparatus to cause a series of operational steps to be performed on the computer or other programmable apparatus to produce a computer implemented process such that the instructions which execute on the computer or other programmable apparatus provide steps for implementing the functions specified in the flowchart flow or flows and/or block diagram block or blocks.
The foregoing description of the embodiments has been provided for the purpose of illustrating the general principles of the invention, and is not meant to limit the scope of the invention, but to limit the invention to the particular embodiments, and any modifications, equivalents, improvements, etc. that fall within the spirit and principles of the invention are intended to be included within the scope of the invention.
Claims (7)
1. An ATM depositing and dispensing method, comprising:
Receiving an ATM query request input by a user, wherein the ATM query request comprises to-be-handled service information and appointed position information; the to-be-handled business information comprises a to-be-handled business type;
acquiring ATM information within a preset distance range of the specified position information according to the specified position information, and taking the ATM information as first ATM information;
selecting second ATM information of which the service attribute of the ATM meets the service type to be handled from the first ATM information according to the service type to be handled;
transmitting second ATM information to the user so that the user selects any one of the second ATM information, and transacting business by using the ATM corresponding to the selected ATM information as a designated ATM;
after a user arrives at the position of the appointed ATM, scanning two-dimensional code information on the appointed ATM by utilizing a mobile phone bank, and establishing communication connection with the appointed ATM, and then receiving any account information associated with the mobile phone bank selected by the user;
Any account information associated with the mobile phone bank selected by the user is sent to the appointed ATM, so that the user operates the appointed ATM to transact the deposit and withdrawal business on any account information associated with the mobile phone bank selected by the user;
The method further comprises the steps of:
Receiving a line inquiry request for a specified ATM input by a user under the condition that the to-be-handled service type comprises a withdrawal service, wherein the line inquiry request comprises a withdrawal amount;
According to the withdrawal amount, verifying whether cash amount information corresponding to the specified ATM meets the withdrawal amount;
Under the condition that cash amount information corresponding to the appointed ATM meets the withdrawal amount, prompt information for dealing with the withdrawal service to the appointed ATM is sent to a user;
Before verifying whether the cash amount information corresponding to the specified ATM meets the withdrawal amount according to the withdrawal amount, the method further comprises the following steps:
invoking a security verification tool, and sending a security verification request to a user;
receiving security verification information input by a user according to a security verification request;
After the safety verification information passes verification, verifying whether cash line information corresponding to the specified ATM meets the withdrawal amount according to the withdrawal amount;
Before verifying whether the cash amount information corresponding to the specified ATM meets the withdrawal amount according to the withdrawal amount, the method further comprises the following steps:
According to historical behavior information of a user, performing risk verification on a limit query request which is input by the user and aims at a specified ATM; the historical behavior information comprises user historical quota query times;
Under the condition that the risk verification is passed, verifying whether cash amount information corresponding to the specified ATM meets the withdrawal amount according to the withdrawal amount;
any account information associated with the mobile phone bank selected by the user is sent to the appointed ATM, so that after the user operates the appointed ATM to transact the deposit and withdrawal business on any account information associated with the mobile phone bank selected by the user, the method further comprises the following steps:
After the user finishes handling the deposit and withdrawal business by the appointed ATM, receiving business handling result information sent by the appointed ATM;
updating the corresponding cash limit information in the appointed ATM according to the business handling result information;
Further comprises: and when the user inquires the ATM in advance to meet the withdrawal amount requirement until the user transacts the service, and when other users transact the withdrawal service in the ATM, the cash amount of the ATM is reduced and the withdrawal requirement of the user cannot be met, a short message prompt is sent according to the mobile phone number reserved by the user, and the ATM information meeting the service requirement of the user is recommended according to the current position information of the user.
2. The method of claim 1, wherein the to-do business type comprises at least one of: deposit business and withdrawal business.
3. An ATM depositing and dispensing apparatus, comprising:
The receiving module is used for receiving an ATM query request input by a user, wherein the ATM query request comprises to-be-handled service information and appointed position information; the to-be-handled business information comprises a to-be-handled business type;
The position inquiry module is used for acquiring ATM information within a preset distance range of the specified position information according to the specified position information, and taking the ATM information as first ATM information;
The attribute inquiry module is used for selecting second ATM information of which the service attribute of the ATM meets the service type to be handled from the first ATM information according to the service type to be handled;
An ATM selection module for transmitting second ATM information to the user so that the user selects any one of the second ATM information, and transacting business by using the ATM corresponding to the selected ATM information as a designated ATM;
The account selection module is used for receiving any account information related to the mobile phone bank selected by the user after the user arrives at the position of the designated ATM and the mobile phone bank scans the two-dimensional code information on the designated ATM and establishes communication connection with the designated ATM;
the account sending module is used for sending any account information associated with the mobile phone bank selected by the user to the appointed ATM so that the user operates the appointed ATM to transact the deposit and withdrawal business on any account information associated with the mobile phone bank selected by the user;
The ATM credit inquiry module is used for sending the second ATM information to the user in the ATM selection module so that the user selects any one of the second ATM information, and the ATM corresponding to the selected ATM information is used as the appointed ATM to transact business: receiving a line inquiry request for a specified ATM input by a user under the condition that the to-be-handled service type comprises a withdrawal service, wherein the line inquiry request comprises a withdrawal amount; according to the withdrawal amount, verifying whether cash amount information corresponding to the specified ATM meets the withdrawal amount; under the condition that cash amount information corresponding to the appointed ATM meets the withdrawal amount, prompt information for dealing with the withdrawal service to the appointed ATM is sent to a user;
The safety verification module is used for verifying whether cash line information corresponding to the specified ATM meets the withdrawal amount or not before the ATM line inquiry module verifies the withdrawal amount according to the withdrawal amount: invoking a security verification tool, and sending a security verification request to a user; receiving security verification information input by a user according to a security verification request; after the safety verification information passes verification, verifying whether cash line information corresponding to the specified ATM meets the withdrawal amount according to the withdrawal amount;
The risk verification module is used for verifying whether cash line information corresponding to the specified ATM meets the withdrawal amount or not before the ATM line inquiry module verifies the withdrawal amount according to the withdrawal amount: according to historical behavior information of a user, performing risk verification on a limit query request which is input by the user and aims at a specified ATM; the historical behavior information comprises user historical quota query times; under the condition that the risk verification is passed, verifying whether cash amount information corresponding to the specified ATM meets the withdrawal amount according to the withdrawal amount;
the account updating module is used for sending any account information associated with the mobile phone bank selected by the user to the appointed ATM after the account sending module is used for enabling the user to operate the appointed ATM to transact the deposit and withdrawal business on any account information associated with the mobile phone bank selected by the user: after the user finishes handling the deposit and withdrawal business by the appointed ATM, receiving business handling result information sent by the appointed ATM; updating the corresponding cash limit information in the appointed ATM according to the business handling result information;
And the credit update module is also used for inquiring the ATM in advance to meet the withdrawal amount requirement until the user transacts the business, sending a short message prompt according to the mobile phone number reserved by the user under the condition that the cash credit of the ATM is reduced and the withdrawal requirement of the user cannot be met because other users transact the withdrawal business in the ATM, and recommending the ATM information meeting the business requirement of the user according to the current position information of the user.
4. The apparatus of claim 3, wherein the to-do type of traffic comprises at least one of: deposit business and withdrawal business.
5. A computer device comprising a memory, a processor and a computer program stored on the memory and executable on the processor, characterized in that the processor implements the method of any of claims 1 to 2 when executing the computer program.
6. A computer readable storage medium, characterized in that the computer readable storage medium stores a computer program which, when executed by a processor, implements the method of any of claims 1 to 2.
7. A computer program product, characterized in that the computer program product comprises a computer program which, when executed by a processor, implements the method of any of claims 1 to 2.
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| CN111080929A (en) * | 2019-12-31 | 2020-04-28 | 中国银行股份有限公司 | Operation control method and device of automatic teller machine |
| CN111640266A (en) * | 2020-06-11 | 2020-09-08 | 中国银行股份有限公司 | Method for depositing and withdrawing money on ATM and intelligent terminal |
| CN112150734B (en) * | 2020-09-27 | 2022-05-27 | 中国银行股份有限公司 | Self-service equipment transaction limit processing method, device and system and computer equipment |
| CN113096327A (en) * | 2021-03-29 | 2021-07-09 | 中信银行股份有限公司 | Card-free transaction method, card-free transaction device, terminal device, automatic teller machine and medium |
| CN113487059B (en) * | 2021-07-27 | 2024-06-28 | 中国银行股份有限公司 | Bank outlet recommendation method and device |
| CN113673874A (en) * | 2021-08-23 | 2021-11-19 | 中国银行股份有限公司 | Service processing method and device |
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| CN105160577A (en) * | 2015-09-28 | 2015-12-16 | 深圳怡化电脑股份有限公司 | Method and system for realizing fixed-point transaction reservation of financial self-service equipment |
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