CN104269000A - Medium-free cash business processing method and system - Google Patents
Medium-free cash business processing method and system Download PDFInfo
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- CN104269000A CN104269000A CN201410562687.8A CN201410562687A CN104269000A CN 104269000 A CN104269000 A CN 104269000A CN 201410562687 A CN201410562687 A CN 201410562687A CN 104269000 A CN104269000 A CN 104269000A
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- 238000003672 processing method Methods 0.000 title abstract 3
- 230000008014 freezing Effects 0.000 claims description 3
- 238000007710 freezing Methods 0.000 claims description 3
- 238000000034 method Methods 0.000 abstract description 23
- 239000007787 solid Substances 0.000 description 6
- 230000005540 biological transmission Effects 0.000 description 2
- 238000010586 diagram Methods 0.000 description 2
- BQCADISMDOOEFD-UHFFFAOYSA-N Silver Chemical compound [Ag] BQCADISMDOOEFD-UHFFFAOYSA-N 0.000 description 1
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Abstract
The invention discloses a medium-free cash business processing method and system. The method comprises receiving a medium-free withdrawal request transmitted by a user, which contains a withdrawal amount, a withdrawal password and a mobile phone number, wherein the user is a user who successfully logs on the e-bank, the mobile bank, the phone bank or the bank counter of an account to be withdrawn; querying whether the balance of the account to be withdrawn is larger than the withdrawal amount when determining that the medium-free withdrawal request is legal; if so, generating a withdrawal identification code and transmitting the withdrawal identification code to a terminal corresponding to the mobile phone number, wherein the withdrawal identification code is used for matching with the withdrawal password to serve as a withdrawal credential. According to the medium-free cash business processing method, the withdrawal identification code can be obtained via multiple ways, and the withdrawal identification codes can be obtained only when the e-banks and the like of accounts to be withdrawn are logged in, so that the safety can be ensured, and meanwhile, the aim of rapid medium-free withdrawal can be achieved, further user usage can be greatly facilitated.
Description
Technical field
The application relates to financial technology field, more particularly, relates to a kind of without medium monetary transaction disposal route and system.
Background technology
In prior art, in order to ensure the security that user withdraws the money, when user is withdrawn the money by bank counter or Possum, need to provide the non-solid medium such as bank card, bankbook.And in reality, user often can run into situations such as not being with card, card loss or special-shaped card, this just causes user to withdraw the money.
For this reason, prior art lacks one and can either ensure that user withdraws the money security, when user does not carry to the non-solid medium of withdrawing the money corresponding, can carry out the scheme of withdrawing the money again easily.
Summary of the invention
In view of this, this application provides a kind of without medium monetary transaction disposal route and system, for solving in prior art when user does not carry to the non-solid medium of withdrawing the money corresponding, cannot, ensureing that user withdraws the money while security, user be made conveniently to carry out the problem of withdrawing the money.
To achieve these goals, the existing scheme proposed is as follows:
A kind of without medium monetary transaction disposal route, comprising:
Receive that user sends comprise withdraw funds, withdraw the money password and phone number without medium withdrawal request, the user of the Web bank that described user is Successful login account to be withdrawn the money, Mobile banking, telephone bank or bank counter;
Described legal without medium withdrawal request time, described in inquiry, whether the remaining sum of account to be withdrawn the money is greater than described withdraw funds;
If so, generate and to withdraw the money identification code, and identification code of withdrawing the money described in record, described without medium withdrawal request and account described to be withdrawn the money;
The identification code of withdrawing the money generated is mail to the terminal corresponding with described phone number, described in identification code of withdrawing the money described in coordinating, withdraw the money password as authority of withdrawing the money.
Preferably, describedly judge describedly to comprise without whether medium withdrawal request is legal:
Judge whether described withdraw funds exceedes default maximum withdraw funds;
Judge that whether described phone number form is correct;
If described withdraw funds is no more than described default maximum withdraw funds and described phone number form is correct, then it is described legal without medium withdrawal request to determine, otherwise determines described illegal without medium withdrawal request.
Preferably, describedly also comprise the term of validity of withdrawing the money without medium withdrawal request, then, when being greater than described withdraw funds wait the remaining sum of account of withdrawing the money described in described inquiry, also comprise:
To withdraw the money described in record the term of validity;
Then while the identification code of withdrawing the money generated is mail to the terminal corresponding with described phone number, the described term of validity of withdrawing the money is sent together.
Preferably, when being greater than described withdraw funds wait the remaining sum of account of withdrawing the money described in described inquiry, also comprise:
Freeze in account described to be withdrawn the money with the described amount of money treating that withdraw funds is equal;
If detect, user withdraws the money identification code when withdrawing the money described in utilizing in the described term of validity, by the amount of money deduction freezed;
If detect, user withdraws the money identification code when withdrawing the money described in not utilizing in the described term of validity, is removed by the amount of money freezed and freezes.
Preferably, described without medium withdrawal request also comprise withdraw the money time use the numbering of Possum, then when being greater than described withdraw funds wait the remaining sum of account of withdrawing the money described in described inquiry, also comprise:
Record the numbering of described Possum;
Then while the identification code of withdrawing the money generated is mail to the terminal corresponding with described phone number, the numbering of described Possum is sent together.
A kind of without medium monetary transaction disposal system, comprising:
Request reception unit, for receive that user sends comprise withdraw funds, withdraw the money password and phone number without medium withdrawal request, the user of the Web bank that described user is Successful login account to be withdrawn the money, Mobile banking, telephone bank or bank counter;
Validity judgement unit, described whether legal without medium withdrawal request for judging;
Inquiry into balance unit, for when the judged result of described validity judgement unit is for being, described in inquiry, whether the remaining sum of account to be withdrawn the money is greater than described withdraw funds;
Identification code generation unit, for when the judged result of described inquiry into balance unit is for being, generates and to withdraw the money identification code, and identification code of withdrawing the money described in record, described without medium withdrawal request and account described to be withdrawn the money;
Identification code transmitting element, mails in the terminal corresponding with described phone number by the identification code of withdrawing the money generated, described in identification code of withdrawing the money described in coordinating, withdraw the money password as authority of withdrawing the money.
Preferably, described validity judgement unit comprises:
First judging unit, for judging whether described withdraw funds exceedes default maximum withdraw funds;
Second judging unit, judges that whether described phone number form is correct;
First determining unit, for being no in the judged result of described first judging unit, and the judged result of described second judging unit for being time, it is described legal without medium withdrawal request to determine, otherwise determines described illegal without medium withdrawal request.
Preferably, describedly also comprise the term of validity of withdrawing the money without medium withdrawal request, this system also comprises:
Term of validity record cell, for when the judged result of described inquiry into balance unit is for being, the term of validity of withdrawing the money described in record;
Term of validity transmitting element, for mailing to the terminal corresponding with described phone number by the described term of validity of withdrawing the money.
Preferably, also comprise:
Amount of money freezing unit, for when the judged result of described inquiry into balance unit is for being, freezes in account described to be withdrawn the money with the described amount of money treating that withdraw funds is equal;
Amount of money deduction unit, for detect user utilizes in the described term of validity described in withdraw the money identification code withdraw the money time, the amount of money that freezes is deducted;
The amount of money thaws unit, for detect user do not utilize in the described term of validity described in withdraw the money identification code withdraw the money time, the amount of money freezed is removed and freezes.
Preferably, described without medium withdrawal request also comprise withdraw the money time use the numbering of Possum, this system also comprises:
Possum number record unit, for when the judged result of described inquiry into balance unit is for being, records the numbering of described Possum;
Possum numbering transmitting element, for mailing to the terminal corresponding with described phone number by the numbering of described Possum.
As can be seen from above-mentioned technical scheme, the embodiment of the present application provide without medium monetary transaction disposal route, user do not carry bank card etc. withdraw the money medium time, only need the Web bank logging in account to be withdrawn the money, Mobile banking etc., then the system transmission to the application comprises withdraw funds, withdraw the money password and phone number without medium withdrawal request, system is when judging that this request is legal, whether the remaining sum of inquiring about account to be withdrawn the money is sufficient, if then generate and record identification code of withdrawing the money, identification code of this being withdrawn the money is sent in the terminal corresponding with described phone number, user can authority this withdraw the money identification code and described in password of withdrawing the money go Possum or bank counter to withdraw the money.The scheme of the application can obtain by multiple channel identification code of withdrawing the money, and only have the Web bank etc. of Successful login account to be withdrawn the money can obtain identification code of withdrawing the money, therefore, while guarantee security, the object of fast withdrawing the money without medium is achieved, greatly convenient for users to use.
Accompanying drawing explanation
In order to be illustrated more clearly in the embodiment of the present application or technical scheme of the prior art, be briefly described to the accompanying drawing used required in embodiment or description of the prior art below, apparently, accompanying drawing in the following describes is only the embodiment of the application, for those of ordinary skill in the art, under the prerequisite not paying creative work, other accompanying drawing can also be obtained according to the accompanying drawing provided.
Fig. 1 is that the embodiment of the present application is disclosed a kind of without medium monetary transaction process flow figure;
Fig. 2 is a kind of method flow diagram judged without medium withdrawal request legitimacy disclosed in the embodiment of the present application;
Fig. 3 is that the embodiment of the present application is disclosed another kind of without medium monetary transaction process flow figure;
Fig. 4 be disclosed in the present application another without medium monetary transaction process flow figure;
Fig. 5 is that the embodiment of the present application is disclosed a kind of without medium monetary transaction disposal system structural representation;
A kind of structural representation of Fig. 6 validity judgement unit disclosed in the embodiment of the present application;
Fig. 7 be the embodiment of the present application disclosed another without medium monetary transaction disposal system structural representation;
Fig. 8 be the embodiment of the present application disclosed another without medium monetary transaction disposal system structural representation;
Fig. 9 be the embodiment of the present application disclosed another without medium monetary transaction disposal system structural representation.
Embodiment
Below in conjunction with the accompanying drawing in the embodiment of the present application, be clearly and completely described the technical scheme in the embodiment of the present application, obviously, described embodiment is only some embodiments of the present application, instead of whole embodiments.Based on the embodiment in the application, those of ordinary skill in the art are not making the every other embodiment obtained under creative work prerequisite, all belong to the scope of the application's protection.
Traditional mode of withdrawing the money for user carry bank card, storage, to the transaction such as account book non-solid medium, go the Possum of bank or sales counter to handle to withdraw the money, once user does not carry this type of transaction non-solid medium, or user uses special-shaped card, will withdraw the money.For this reason, this application provides one without medium monetary transaction disposal route.
Be that the embodiment of the present application is disclosed a kind of without medium monetary transaction process flow figure see Fig. 1, Fig. 1.
As shown in Figure 1, the method comprises:
Step S100, receive user send without medium withdrawal request;
Particularly, the user of the user here Web bank that is Successful login account to be withdrawn the money, Mobile banking, telephone bank or bank counter.When user does not carry transaction non-solid medium, the business such as the Net silver corresponding with account to be withdrawn the money can be logged in by modes such as online or mobile phones.These business all provide and to withdraw the money project without medium, user, by choosing this project, can send without medium withdrawal request to system.In addition, by input identity information on bank counter, Possum, when Receptionist or Possum judge that identity is legal, can also be proposed without medium withdrawal request by user.This comprises withdraw funds without medium withdrawal request, the information such as password and phone number of withdrawing the money.Wherein, password of withdrawing the money is the password of user's sets itself, generally in order to adapt to current Possum, password is set to 6 bit digital.
Step S110, judge described whether legal without medium withdrawal request; If so, step S120 is performed;
Wherein, judge without the whether legal process of medium withdrawal request, also namely judge the legitimacy of several information comprised without medium withdrawal request.If determine without medium withdrawal request illegal, then user is pointed out to re-enter, or directly alarm.
Described in step S120, inquiry, whether the remaining sum of account to be withdrawn the money is greater than described withdraw funds; If so, step S130 is performed;
After determining the legitimacy without medium withdrawal request, again judge that whether the remaining sum of account to be withdrawn the money is sufficient, whether enough support that user wants the withdraw funds obtained.If remaining sum is less than the withdraw funds that user will obtain in account to be withdrawn the money, then this request cannot realize, and can send alarm to user.Meanwhile, account balance can be informed user.
Further, if user send comprise without medium withdrawal request region of withdrawing the money, then can according to the address of opening an account of this withdraw the money region and account to be withdrawn the money, whether judge that this is withdrawn the money is withdraw the money in strange land.If withdraw the money in strange land, withdraw the money service charge in the strange land should collecting a part.So, whether above-mentioned steps S120 just needs to query the balance is greater than withdraw funds and strange land and withdraws the money the summation of service charge, only the just execution step S130 when being.
In like manner, if detect that the account that user will withdraw the money is that the non-special-shaped card such as normal bank card, folding is in kind, then illustrate that user is because this not carrying that the reason such as bank card, folding just uses to be withdrawn the money business without medium, now bank can collect part service charge, then need this service charge to take into account when querying the balance.And if detect that the account that user will withdraw the money is special-shaped card account, then do not need to collect service charge.
Step S130, generate and to withdraw the money identification code;
Particularly, when above-mentioned deterministic process is passed through, an identification code of withdrawing the money can be generated.This identification code of withdrawing the money can be generate according to carrying out coding without the information in medium withdrawal request, certainly can also pass through alternate manner, as long as can ensure the uniqueness of this identification code of withdrawing the money.Can preserve after identification code is withdrawn the money in generation, the account to be withdrawn the money that simultaneously user can also be used, also to preserve without the information in medium withdrawal request, so that follow-up use.
Step S140, by generate identification code of withdrawing the money mail in the terminal corresponding with described phone number.
Particularly, identification code of withdrawing the money described in withdraws the money password as authority of withdrawing the money described in coordinating.User can use identification code of withdrawing the money to handle at bank self-aid apparatus or sales counter the business of withdrawing the money with password of withdrawing the money, banking system can be verified according to the password of withdrawing the money of withdraw the money identification code and the correspondence of record, can provide described withdraw funds after being verified to user.
In order to enable Possum handle above-mentioned business of withdrawing the money, a little improvement can be carried out to existing Possum.
The embodiment of the present application provide without medium monetary transaction disposal route, user do not carry bank card etc. withdraw the money medium time, only need the Web bank logging in account to be withdrawn the money, Mobile banking etc., then the system transmission to the application comprises withdraw funds, withdraw the money password and phone number without medium withdrawal request, system is when judging that this request is legal, whether the remaining sum of inquiring about account to be withdrawn the money is sufficient, if then generate and record identification code of withdrawing the money, identification code of this being withdrawn the money is sent in the terminal corresponding with described phone number, user can authority this withdraw the money identification code and described in password of withdrawing the money go Possum or bank counter to withdraw the money.The scheme of the application can obtain by multiple channel identification code of withdrawing the money, and only have the Web bank etc. of Successful login account to be withdrawn the money can obtain identification code of withdrawing the money, therefore, while guarantee security, the object of fast withdrawing the money without medium is achieved, greatly convenient for users to use.
It should be noted that, described in inquiring about in above-mentioned steps S120 when the remaining sum of account of withdrawing the money is greater than described withdraw funds, a checking message can also being sent to user further, performing step S130 again when receiving the confirmation of user.
See Fig. 2, Fig. 2 a kind of method flow diagram judged without medium withdrawal request legitimacy disclosed in the embodiment of the present application.
As shown in Figure 2, above-mentioned steps S110 can realize in the following manner:
Step S200, judge whether described withdraw funds exceedes default maximum withdraw funds;
Step S210, judge that whether described phone number form is correct;
If described withdraw funds is no more than, described to preset maximum withdraw funds and described phone number form correct, then perform step S220, determine described legal without medium withdrawal request.Otherwise, determine described illegal without medium withdrawal request.
Need to explain, we can set unique user account each or every day without the medium withdraw funds upper limit, be also above-mentioned maximum withdraw funds.
As for the deterministic process of above-mentioned phone number form, popular can be regarded as judges that whether phone number figure place is correct, or the correctness of other form.
Certainly, except the validity judgement of above-mentioned two objects, the judgement of other object can also be increased.Such as, user send without medium withdrawal request in also comprise withdraw the money the term of validity time, then can also increase term of validity form of withdrawing the money and judge, such as, judge to withdraw the money the term of validity whether after current time, whether the judgement term of validity of withdrawing the money long etc.Illustrate again, user send without medium withdrawal request in also comprise withdraw the money region time, the judgement in region of withdrawing the money can also be increased, as judged whether correctly withdraw the money area format, whether there is withdraw the money Possum or sales counter etc. in this region of withdrawing the money.
Wherein, also comprise without medium withdrawal request withdraw the money the term of validity time, method disclosed in the present application can also expand further.Be that the embodiment of the present application is disclosed another kind of without medium monetary transaction process flow figure see Fig. 3, Fig. 3.
Composition graphs 1 and Fig. 3 known, inquire about described in be greater than described withdraw funds wait the remaining sum of account of withdrawing the money time, also comprise:
To withdraw the money the term of validity described in step S150, record, and send it in the terminal corresponding with described phone number.
Also namely, while the identification code of withdrawing the money generated is sent in the terminal corresponding with described phone number by above-mentioned steps S140, the term of validity of withdrawing the money also sends.
To withdraw the money the term of validity by arranging, define user and withdraw the money identification code and password of withdrawing the money must be used in section sometime to withdraw the money, after exceeding the term of validity of withdrawing the money, this identification code of withdrawing the money will cancel, and can not withdraw the money.When user uses withdraw the money identification code and password of withdrawing the money to withdraw the money, system can judge whether the time of withdrawing the money exceedes the term of validity of withdrawing the money corresponding to identification code of withdrawing the money with this, if do not exceeded, then allows user to withdraw the money, otherwise by refusal for user provides service.
The term of validity of withdrawing the money is user's sets itself, and user can set a more rational time according to oneself current location and trip condition.
In like manner, the numbering of the Possum used when can also comprise withdrawing the money without medium withdrawal request.On this basis, the method for the application can also comprise: the numbering of record Possum, and the numbering of Possum is sent in the lump in the terminal corresponding with described phone number with identification code of withdrawing the money.
In the present embodiment, by restriction user according to withdrawing the money the Possum used when identification code is withdrawn the money, the Possum of the numbering only specified in without medium withdrawal request just can use identification code of withdrawing the money to withdraw the money, other Possum cannot be withdrawn the money.
In actual use, user arrives when some Possums are withdrawn the money just to find not carry the transaction material objects such as bank card, now the numbering of current Possum can be withdrawn the money equipment as target by user, which further increases E-Security.
On the basis of the above, the application again discloses and a kind of to withdraw the money method without medium, see Fig. 4, Fig. 4 be disclosed in the present application another without medium monetary transaction process flow figure.
Composition graphs 3 and Fig. 4 known, the method also comprises:
Step S160, to freeze in account described to be withdrawn the money with the described amount of money treating that withdraw funds is equal;
If step S170 detects that user withdraws the money identification code when withdrawing the money described in utilizing in the described term of validity, by the amount of money deduction freezed;
If step S180 detects that user withdraws the money identification code when withdrawing the money described in not utilizing in the described term of validity, the amount of money freezed is removed and freezes.
By above-mentioned setting, first the partial amount in account to be withdrawn the money is freezed, with ensure user utilization withdraw the money identification code withdraw the money time, have the enough amount of money to extract for user in account.When detecting that user utilizes identification code of withdrawing the money to withdraw the money before the deadline, treat that withdraw funds is deducted from account by what freeze, and if detect that user does not utilize identification code of withdrawing the money to withdraw the money before the deadline time, this part deblocking of funds that can will freeze.Identification code of now withdrawing the money also will cancel.
It should be noted that further, if when considering service charge problem in the above-described embodiments, then need during blocked funds service charge to be added to it simultaneously.And when thawing, the part getting rid of service charge can be thawed, service charge is then directly deducted.
After the step s 150, it can any one position after step S120 for above-mentioned steps S160 not necessarily.
What provide the embodiment of the present application below is described without medium monetary transaction disposal system, described below without medium monetary transaction disposal system with above-described can mutual corresponding reference without medium monetary transaction disposal route.
Be that the embodiment of the present application is disclosed a kind of without medium monetary transaction disposal system structural representation see Fig. 5, Fig. 5.
As shown in Figure 5, this system comprises:
Request reception unit 51, for receive that user sends comprise withdraw funds, withdraw the money password and phone number without medium withdrawal request, the user of the Web bank that described user is Successful login account to be withdrawn the money, Mobile banking, telephone bank or bank counter;
Validity judgement unit 52, described whether legal without medium withdrawal request for judging;
Inquiry into balance unit 53, for when the judged result of described validity judgement unit 52 is for being, described in inquiry, whether the remaining sum of account to be withdrawn the money is greater than described withdraw funds;
Identification code generation unit 54, for when the judged result of described inquiry into balance unit 53 is for being, generates and to withdraw the money identification code, and identification code of withdrawing the money described in record, described without medium withdrawal request and account described to be withdrawn the money;
Identification code transmitting element 55, mails in the terminal corresponding with described phone number by the identification code of withdrawing the money generated, described in identification code of withdrawing the money described in coordinating, withdraw the money password as authority of withdrawing the money.
Optionally, Fig. 6 illustrates a kind of alternate configurations of validity judgement unit disclosed in the embodiment of the present application, known see Fig. 6, and validity judgement unit 52 comprises:
First judging unit 521, for judging whether described withdraw funds exceedes default maximum withdraw funds;
Second judging unit 522, judges that whether described phone number form is correct;
First determining unit 523 is no for the judged result at described first judging unit 521, and the judged result of described second judging unit 522 for being time, it is described legal without medium withdrawal request to determine.
Optionally, describedly can also comprise the term of validity of withdrawing the money without medium withdrawal request, then see Fig. 7, the embodiment of the present application is disclosed can also be comprised without medium monetary transaction disposal system:
Term of validity record cell 56, for when the judged result of described inquiry into balance unit 53 is for being, the term of validity of withdrawing the money described in record;
Term of validity transmitting element 57, for mailing to the terminal corresponding with described phone number by the described term of validity of withdrawing the money.
Need explain, term of validity generating unit 57 can also with identification code transmitting element 55 gather be together with, namely a transmitting element sends withdraw the money identification code and the term of validity of withdrawing the money simultaneously.
Optionally, see Fig. 8, Fig. 8 be the embodiment of the present application disclosed another without medium monetary transaction disposal system structural representation.
Composition graphs 7 and Fig. 8 known, this system can also comprise:
Amount of money freezing unit 58, for when the judged result of described inquiry into balance unit 53 is for being, freezes in account described to be withdrawn the money with the described amount of money treating that withdraw funds is equal;
Amount of money deduction unit 59, for detect user utilizes in the described term of validity described in withdraw the money identification code withdraw the money time, the amount of money that freezes is deducted;
The amount of money thaws unit 60, for detect user do not utilize in the described term of validity described in withdraw the money identification code withdraw the money time, the amount of money freezed is removed and freezes.
Optionally, described without medium withdrawal request can also comprise withdraw the money time use the numbering of Possum, then see Fig. 9, the embodiment of the present application is disclosed can also be comprised without medium monetary transaction disposal system:
Possum number record unit 61, for when the judged result of described inquiry into balance unit 53 is for being, records the numbering of described Possum;
Possum numbering transmitting element 62, for mailing to the terminal corresponding with described phone number by the numbering of described Possum.
Need to explain, Possum numbering transmitting element 62 can also together with identification code transmitting element 55 gather and is, namely transmitting element sends withdraw the money identification code and Possum simultaneously and numbers.
In the embodiment of the present application, user do not carry bank card etc. withdraw the money medium time, only need the Web bank logging in account to be withdrawn the money, Mobile banking etc., then send to system disclosed in the embodiment of the present application and comprise withdraw funds, withdraw the money password and phone number without medium withdrawal request, system is when judging that this request is legal, whether the remaining sum of inquiring about account to be withdrawn the money is sufficient, if then generate and record identification code of withdrawing the money, identification code of this being withdrawn the money is sent in the terminal corresponding with described phone number, user can authority this withdraw the money identification code and described in password of withdrawing the money go Possum or bank counter to withdraw the money.The scheme of the application can obtain by multiple channel identification code of withdrawing the money, and only have the Web bank etc. of Successful login account to be withdrawn the money can obtain identification code of withdrawing the money, therefore, while guarantee security, the object of fast withdrawing the money without medium is achieved, greatly convenient for users to use.
Finally, also it should be noted that, in this article, the such as relational terms of first and second grades and so on is only used for an entity or operation to separate with another entity or operational zone, and not necessarily requires or imply the relation that there is any this reality between these entities or operation or sequentially.And, term " comprises ", " comprising " or its any other variant are intended to contain comprising of nonexcludability, thus make to comprise the process of a series of key element, method, article or equipment and not only comprise those key elements, but also comprise other key elements clearly do not listed, or also comprise by the intrinsic key element of this process, method, article or equipment.When not more restrictions, the key element limited by statement " comprising ... ", and be not precluded within process, method, article or the equipment comprising described key element and also there is other identical element.
In this instructions, each embodiment adopts the mode of going forward one by one to describe, and what each embodiment stressed is the difference with other embodiments, between each embodiment identical similar portion mutually see.
To the above-mentioned explanation of the disclosed embodiments, professional and technical personnel in the field are realized or uses the application.To be apparent for those skilled in the art to the multiple amendment of these embodiments, General Principle as defined herein when not departing from the spirit or scope of the application, can realize in other embodiments.Therefore, the application can not be restricted to these embodiments shown in this article, but will meet the widest scope consistent with principle disclosed herein and features of novelty.
Claims (10)
1., without a medium monetary transaction disposal route, it is characterized in that, comprising:
Receive that user sends comprise withdraw funds, withdraw the money password and phone number without medium withdrawal request, the user of the Web bank that described user is Successful login account to be withdrawn the money, Mobile banking, telephone bank or bank counter;
Described legal without medium withdrawal request time, described in inquiry, whether the remaining sum of account to be withdrawn the money is greater than described withdraw funds;
If so, generate and to withdraw the money identification code, and identification code of withdrawing the money described in record, described without medium withdrawal request and account described to be withdrawn the money;
The identification code of withdrawing the money generated is mail to the terminal corresponding with described phone number, described in identification code of withdrawing the money described in coordinating, withdraw the money password as authority of withdrawing the money.
2. according to claim 1ly to it is characterized in that without medium monetary transaction disposal route, describedly judge describedly to comprise without whether medium withdrawal request is legal:
Judge whether described withdraw funds exceedes default maximum withdraw funds;
Judge that whether described phone number form is correct;
If described withdraw funds is no more than described default maximum withdraw funds and described phone number form is correct, then it is described legal without medium withdrawal request to determine, otherwise determines described illegal without medium withdrawal request.
3. according to claim 1ly to it is characterized in that without medium monetary transaction disposal route, describedly also comprise the term of validity of withdrawing the money without medium withdrawal request, then, when being greater than described withdraw funds wait the remaining sum of account of withdrawing the money described in described inquiry, also comprise:
To withdraw the money described in record the term of validity;
Then while the identification code of withdrawing the money generated is mail to the terminal corresponding with described phone number, the described term of validity of withdrawing the money is sent together.
4. according to claim 3ly it is characterized in that without medium monetary transaction disposal route, when being greater than described withdraw funds wait the remaining sum of account of withdrawing the money described in described inquiry, also comprising:
Freeze in account described to be withdrawn the money with the described amount of money treating that withdraw funds is equal;
If detect, user withdraws the money identification code when withdrawing the money described in utilizing in the described term of validity, by the amount of money deduction freezed;
If detect, user withdraws the money identification code when withdrawing the money described in not utilizing in the described term of validity, is removed by the amount of money freezed and freezes.
5. according to claim 1 without medium monetary transaction disposal route, it is characterized in that, described without medium withdrawal request also comprise withdraw the money time use the numbering of Possum, then when being greater than described withdraw funds wait the remaining sum of account of withdrawing the money described in described inquiry, also comprise:
Record the numbering of described Possum;
Then while the identification code of withdrawing the money generated is mail to the terminal corresponding with described phone number, the numbering of described Possum is sent together.
6., without a medium monetary transaction disposal system, it is characterized in that, comprising:
Request reception unit, for receive that user sends comprise withdraw funds, withdraw the money password and phone number without medium withdrawal request, the user of the Web bank that described user is Successful login account to be withdrawn the money, Mobile banking, telephone bank or bank counter;
Validity judgement unit, described whether legal without medium withdrawal request for judging;
Inquiry into balance unit, for when the judged result of described validity judgement unit is for being, described in inquiry, whether the remaining sum of account to be withdrawn the money is greater than described withdraw funds;
Identification code generation unit, for when the judged result of described inquiry into balance unit is for being, generates and to withdraw the money identification code, and identification code of withdrawing the money described in record, described without medium withdrawal request and account described to be withdrawn the money;
Identification code transmitting element, mails in the terminal corresponding with described phone number by the identification code of withdrawing the money generated, described in identification code of withdrawing the money described in coordinating, withdraw the money password as authority of withdrawing the money.
7. according to claim 6ly it is characterized in that without medium monetary transaction disposal system, described validity judgement unit comprises:
First judging unit, for judging whether described withdraw funds exceedes default maximum withdraw funds;
Second judging unit, judges that whether described phone number form is correct;
First determining unit, for being no in the judged result of described first judging unit, and the judged result of described second judging unit for being time, it is described legal without medium withdrawal request to determine, otherwise determines described illegal without medium withdrawal request.
8. according to claim 6ly it is characterized in that without medium monetary transaction disposal system, describedly also comprise the term of validity of withdrawing the money without medium withdrawal request, this system also comprises:
Term of validity record cell, for when the judged result of described inquiry into balance unit is for being, the term of validity of withdrawing the money described in record;
Term of validity transmitting element, for mailing to the terminal corresponding with described phone number by the described term of validity of withdrawing the money.
9. according to claim 8 without medium monetary transaction disposal system, it is characterized in that, also comprise:
Amount of money freezing unit, for when the judged result of described inquiry into balance unit is for being, freezes in account described to be withdrawn the money with the described amount of money treating that withdraw funds is equal;
Amount of money deduction unit, for detect user utilizes in the described term of validity described in withdraw the money identification code withdraw the money time, the amount of money that freezes is deducted;
The amount of money thaws unit, for detect user do not utilize in the described term of validity described in withdraw the money identification code withdraw the money time, the amount of money freezed is removed and freezes.
10. according to claim 6ly to it is characterized in that without medium monetary transaction disposal system, described without medium withdrawal request also comprise withdraw the money time use the numbering of Possum, this system also comprises:
Possum number record unit, for when the judged result of described inquiry into balance unit is for being, records the numbering of described Possum;
Possum numbering transmitting element, for mailing to the terminal corresponding with described phone number by the numbering of described Possum.
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| Application Number | Priority Date | Filing Date | Title |
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| CN201410562687.8A CN104269000A (en) | 2014-10-21 | 2014-10-21 | Medium-free cash business processing method and system |
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| Application Number | Priority Date | Filing Date | Title |
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| CN201410562687.8A CN104269000A (en) | 2014-10-21 | 2014-10-21 | Medium-free cash business processing method and system |
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| CN104269000A true CN104269000A (en) | 2015-01-07 |
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| CN201410562687.8A Pending CN104269000A (en) | 2014-10-21 | 2014-10-21 | Medium-free cash business processing method and system |
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| CN (1) | CN104269000A (en) |
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