CN104680361B - A kind of enchashment method and system based on third-party platform - Google Patents

Abstract

The invention discloses a kind of enchashment method and apparatus based on third-party platform, the described method comprises the following steps：Third-party platform receives the enchashment that user is submitted by cell-phone customer terminal and asks, and carry out feasibility verification, if by proposing cash transaction request to bank using common account as settlement accounts, and generation at the same time corresponds to the transaction key that cash transaction is asked and sends to user mobile phone；ATM terminals receive user's selection instruction, into third-party platform trading channel, obtain the check information that the transaction key on user mobile phone includes, and send to bank server end and verified, if verification passes through, allow cash transaction to ask, cash transaction is completed by ATM terminals；Based on common account and according to cash transaction as a result, virtual cash account under synchronized update individual subscriber account；The present invention has provided a kind of conveniently enchashment method, while decrease the data processing amount of bank to the user by third-party platform, improves work efficiency.

Description

A cash withdrawal method and system based on a third-party platform

technical field

The invention relates to the technical field of e-commerce and network finance, in particular to a cash withdrawal method and system based on a third-party platform.

Background technique

First of all, the vigorous development of e-commerce has driven the development of mobile Internet and Internet finance, making online transactions and payment technologies based on Internet technology increasingly mature, and third-party payment platforms represented by Alipay have emerged as the times require. Secondly, traditional financial services are increasingly being challenged by Internet finance. So far, the financial transactions that Internet finance can achieve have basically covered the non-cash transactions of traditional finance. Thirdly, the expansion of the boundary between traditional finance and Internet finance is bound to become a major trend of global financial development in the future.

At present, the payment function of the Internet payment platform is basically realized by binding with the traditional bank card. Since the third-party platform is a virtual account, it cannot complete the cash settlement with the bank, so it can only realize unrealistic financial services. Transactions, so as to realize the transfer of funds between virtual accounts, or indirectly complete transfer transactions with the help of bound bank cards. As a result, the withdrawal needs of online customers cannot be directly met. At the same time, offline customers only have to open a bank card in the bank in advance, and then apply for the online payment function to realize online electronic transactions, resulting in relatively lagging and inconvenient services. In addition, the reason why Internet finance has been unable to realize the function of direct cash withdrawal is that it cannot meet the needs of supervision. Various online currencies have always been the red line of financial supervision.

Contents of the invention

In view of this, the object of the present invention is to propose a convenient and fast cash withdrawal method and system based on a third-party platform.

Based on the above purpose, the present invention provides a cash withdrawal method based on a third-party platform. The user registers a personal account on the third-party platform and associates his mobile phone number. A virtual cash account is set under the personal account; The bank has a public account;

The method comprises the steps of:

The third-party platform receives the cash withdrawal request submitted by the user through the mobile phone client, and performs feasibility verification. If it passes, it uses the public account as the settlement account to propose a cash transaction request to the bank, and simultaneously generates a request corresponding to the cash transaction. The requested transaction key is sent to the user's mobile phone;

The ATM terminal receives the user's selection instruction, enters the transaction channel of the third-party platform, obtains the verification information contained in the transaction key on the user's mobile phone, and sends it to the bank server for verification. If the verification is passed, the cash is allowed Transaction request, cash transaction is completed by ATM terminal;

Based on the public account and according to the result of the cash transaction, the virtual cash account under the user's personal account is updated synchronously.

Preferably, the third-party platform provides commodity transaction services for users, and the expenditure and income of commodity transactions are deposited into the virtual cash account of the user.

Preferably, the feasibility verification specifically includes:

Check whether the user's personal account is in a normal state;

Check whether the user's personal account has the permission to withdraw cash;

Check whether the balance of the user's virtual cash account is greater than or equal to the requested amount of the cash withdrawal request.

Optionally, according to the recorded and statistical user daily transaction behavior data or data obtained from an external server, the third-party platform assigns a credit level to the user, and resets the withdrawal limit of the virtual cash account according to the credit level.

Preferably, the transaction key is set with an effective time limit of no more than five minutes; when the transaction key is not read within the effective time limit, the mobile phone client will delete it from all memories.

Optionally, the transaction key is a two-dimensional code, and the ATM terminal captures the transaction key through a camera to obtain verification information.

Optionally, the transaction key is a non-image electronic code or a non-visible electronic code, and the ATM terminal and the user's mobile phone implement near-field communication through Bluetooth or NFC to obtain verification information.

Optionally, the user can also implement the cash withdrawal method through a mobile digital terminal provided with a SIM card module.

The present invention also provides a system for realizing the cash withdrawal method based on the third-party platform as described above, including: a third-party platform, a mobile phone, an ATM terminal, and a bank server; wherein:

The third-party platform is used to provide users with personal account registration, management, and commodity transaction services; it is also used to receive and process the user's cash withdrawal request, and accordingly submit a cash transaction request to the bank server, and at the same time send the cash transaction request to the bank server. The mobile phone sends the transaction key;

The mobile phone includes a mobile phone client for interacting with the third-party platform, and proposes a cash withdrawal request according to user instructions;

The ATM terminal includes a reading module for reading the transaction key to obtain verification information;

The bank server is configured to receive the cash transaction request from the third-party platform, communicate with the ATM terminal, and allow the ATM terminal to complete the cash transaction when the verification information is passed.

Optionally, when the transaction key is a two-dimensional code, the reading module is a camera; when the transaction key is a non-image electronic code, the reading module is a Bluetooth or NFC module.

It can be seen from the above that the cash withdrawal method and system based on the third-party platform provided by the present invention provides users with a convenient and fast cash withdrawal method through the third-party platform. On the user side, it can realize the cash withdrawal business only by operating the personal account of the third-party platform, avoiding the need to go through cumbersome steps when using a bank or other online financial service providers to provide cash withdrawal services; on the bank side, it only cooperates with the first Cash business transactions occur on the public account of the three-party platform, and the personal information of the cash taker, identity verification and other processing are all completed by the third-party platform, which greatly reduces the amount of data processing on the bank's side, reduces its data processing burden, and can help it improve work efficiency.

Description of drawings

In order to more clearly illustrate the technical solutions in the embodiments of the present invention or the prior art, the following will briefly introduce the drawings that need to be used in the description of the embodiments or the prior art. Obviously, the accompanying drawings in the following description are only These are some embodiments of the present invention. Those skilled in the art can also obtain other drawings based on these drawings without creative work.

Fig. 1 is the flow chart of the cash withdrawal method based on the third-party platform of the embodiment of the present invention;

FIG. 2 is a system architecture diagram of an embodiment of the present invention.

Detailed ways

In order to make the object, technical solution and advantages of the present invention clearer, the present invention will be described in further detail below in conjunction with specific embodiments and with reference to the accompanying drawings.

The embodiment of the present invention provides a cash withdrawal method based on a third-party platform. The third-party platform is the main part that provides cash withdrawal services for users, and it also provides users with daily services provided by general website platforms. As a basis, the third-party platform provides users with personal account registration and management services. Users can register a personal account on the third-party platform website. The personal account records the user's basic personal information. Log in with your personal account. There is a virtual cash account under the user's personal account, which is used to manage the expenses and income generated by the user using the services of the third-party platform. In this embodiment, the third-party platform further provides commodity trading services for users, and users can sell and purchase commodities through the third-party platform. The capital expenditure or income generated by the user through commodity transactions will be settled by a public account opened by the third-party platform in its partner bank, and the transaction results will be recorded in the user's virtual cash account. For example, if a user obtains an income of 500 yuan by selling goods, the 500 yuan will be transferred to the public account of the third-party platform, and at the same time, an equivalent income of 500 yuan will be recorded in the virtual cash account under the user's personal account (this The equivalent income here is only used as an example. In actual operation, the third-party platform may charge a certain fee to cause the amount in the user's virtual cash account to be less than the actual transaction amount); similarly, when the user purchases a product, the purchase The gold is paid by the public account and correspondingly deducted from the user's virtual cash account. In this embodiment, for the sake of user account security and the need for use in subsequent steps, if the user wants to use the commodity transaction service and cash withdrawal service of the third-party platform, he must associate his personal account with his mobile phone number.

Referring to FIG. 1 , it is a flowchart of a cash withdrawal method based on a third-party platform according to an embodiment of the present invention.

Based on the above-mentioned third-party platform framework, it can provide users with cash withdrawal services, including the following steps:

Step 101: The third-party platform receives the cash withdrawal request submitted by the user through the mobile phone client, and performs feasibility verification. If it passes, it uses the public account as the settlement account to submit a cash transaction request to the bank, and simultaneously generates a request corresponding to the requested cash withdrawal. The transaction key of the above cash transaction request is sent to the user's mobile phone.

In this step, the third-party platform first receives the cash withdrawal request submitted by the user, and the cash withdrawal request is submitted to the third-party platform by the user after logging in to the third-party platform with a personal account through the mobile client. The mobile phone client can be directly downloaded and installed on the user's mobile phone by a third-party platform or other APP download stations, and it can support common mobile phone operating systems such as IOS, Android, and Windows.

After the third-party platform receives the cash withdrawal request, it will verify the feasibility of it. The feasibility verification is to verify whether the personal account of the requesting user for the cash withdrawal request is legal, and to verify whether the cash withdrawal request is satisfied based on the requesting user's virtual cash account information. curve condition. Specifically, in this embodiment, the feasibility verification specifically includes:

Check whether the user's personal account is in a normal state;

Check whether the user's personal account has the permission to withdraw cash;

Check whether the balance of the user's virtual cash account is greater than or equal to the requested amount of the cash withdrawal request.

First check the personal account status. When the personal account is frozen (with illegal operation records), inactive (not logged in for a long time) and other illegal states, the feasibility verification will not pass. Further, check the cash withdrawal permission of the user's personal account; not all personal accounts used have the cash withdrawal permission, for example, the user does not have the virtual cash account opened by himself, or is not associated with the mobile phone number, etc., are not eligible for cash withdrawal Permissions, if the personal account of the user submitting the cash withdrawal request does not have the withdrawal permission, the feasibility verification will fail. Finally, check the balance of the user's virtual cash account, that is, whether the balance is sufficient to pay the amount of the cash withdrawal request. If the balance is insufficient, the feasibility verification fails. When the result of the feasibility verification fails, the cash withdrawal request is rejected, and the user is notified of the failure reason through a prompt box, voice or other notification forms.

After the feasibility verification is passed, according to the specific content of the cash withdrawal request (mainly the cash withdrawal amount), the third-party platform uses its public account as the settlement account to submit a cash transaction request based on the user's cash withdrawal request to the bank; for example, the user submits a cash withdrawal of 300 yuan After the feasibility verification is passed, the third-party platform uses its public account as the settlement account to submit a cash transaction request with a limit of 300 yuan to the bank. When the third-party platform makes a cash transaction request to the bank, it will send a transaction key to the mobile phone number associated with the account that issued the cash withdrawal request. The transaction key contains verification information, and the bank needs to verify the verification information. To finally allow the above cash transaction request.

Step 102: The ATM terminal receives the user's selection instruction, enters the transaction channel of the third-party platform, obtains the verification information contained in the transaction key on the user's mobile phone, and sends it to the bank server for verification. If the verification is passed, allow The cash transaction request is completed by the ATM terminal.

In this step, after the user's mobile phone receives the transaction key, the user can go to any ATM terminal of the bank with the mobile phone to continue the cash withdrawal method of this embodiment. The ATM terminal in this embodiment is preset with a third-party platform transaction channel for users to withdraw cash through the third-party platform, and the user can enter the third-party platform transaction channel through a special opening button on the ATM terminal.

The user first operates the ATM terminal, and the ATM terminal receives the user's selection instruction and enters the transaction channel of the third-party platform. In this embodiment, the transaction key is a two-dimensional code. At the position of the camera of the ATM terminal, the user holds the mobile phone and turns on the display to receive the two-dimensional code transaction key, and the ATM terminal then captures the two-dimensional code transaction key through the camera to obtain verification information. After the ATM terminal obtains the verification information, it returns the verification information to the bank server, and the bank server verifies the verification information. That is, the bank server confirms that the transaction key on the user's mobile phone matches the cash transaction request made by the public account of the third-party platform through verification. If the verification is passed, the bank server will issue a permission instruction to the ATM terminal, and the ATM terminal will complete the above For the requested cash transaction, the cash will be delivered to the user, and at the same time, it will be settled in the public account of the third-party platform, and the corresponding amount will be paid. When withdrawing cash, in order to further improve security, the user can also be required to output a payment password set when registering a personal account; at the same time, identity verification can also be performed, and a corresponding verification module is set on the ATM terminal to complete the above identity Verification, the identity verification is preferably human organ recognition, such as fingerprint recognition, facial image recognition.

Preferably, in this embodiment, the transaction key is set with a valid time limit of no more than five minutes. For the sake of transaction security, if the transaction key is stored in the user's mobile phone for a long time, the risk of being stolen will inevitably increase. Therefore, it is necessary to set an effective time limit for the transaction key. Considering the routine cash withdrawal operations of ordinary users, the The stated effective time limit shall not exceed five minutes. Further, when the transaction key is not read within the valid time limit, the mobile phone client deletes it from all storages, that is, deletes it from all fixed storages, external storage cards and internal memory of the mobile phone, so as to Prevent the disclosure of transaction keys.

Step 103: Synchronously update the virtual cash account under the user's personal account based on the public account and according to the result of the cash transaction.

In this step, after the above-mentioned cash transaction is completed, the third-party platform will synchronize and update the virtual cash account of the user who completed the cash transaction in real time according to the actual transaction result of the public account for the above-mentioned transaction. That is, if the user conducts a cash withdrawal transaction with a transaction amount of 300 yuan through the above method, after the completion, 300 yuan will be deducted from the account balance of his virtual cash account.

For the cash withdrawal method based on the third-party platform in the embodiment of the present invention, the capital income generated by the user on the third-party platform will be credited to the virtual cash account under his personal account, and the actual funds will be deposited into the public account of the third-party platform. Based on this , when the user wants to withdraw cash and makes a cash withdrawal request, the third-party platform will complete the cash transaction with the bank, and at the same time give the user a temporary cash withdrawal authority (ie transaction key), and the user will finally complete the cash withdrawal transaction at the ATM terminal. It can be seen that the user has obtained a method of quickly withdrawing cash through the third-party platform. At the same time, based on the above method, the bank can also avoid the work of identity authentication and transaction information processing with a large number of cash withdrawal users. The above work is performed by the third-party platform. The completion directly improves the working efficiency of the bank.

In some embodiments, for each user's personal account, the third-party platform will record and count its daily transaction behavior data, such as usage frequency, single usage amount, other user evaluations, etc., and assign credit levels to users accordingly , resetting the withdrawal limit of the virtual cash account according to the credit rating. For example, the credit rating is divided into three levels: high, medium, and low. When a user with a high credit rating withdraws cash, the actual allowed cash withdrawal amount can exceed 20% of its maximum balance. In addition, the third-party platform can also use the data obtained from external servers, such as relevant government agencies or other authoritative agencies engaged in credibility rating and providing credibility services, and assign credit ratings to users based on the data obtained from these agencies.

In some embodiments, the transaction key can also be a non-image electronic code or a non-visible electronic code. When obtaining the verification information contained in the non-image electronic code, data communication between the mobile phone and the ATM terminal is required to Read, the specific way can be bluetooth or NFC, then correspondingly, mobile phone and ATM terminal will be provided with bluetooth module or NFC module, in order to realize near field communication.

In the embodiment of the present invention, the user can also perform the described cash withdrawal method through other mobile devices, that is, a mobile digital terminal provided with a SIM card module, such as a PAD, a notebook computer, or a special one for performing cash withdrawal based on the method of the present invention. A dedicated mobile digital terminal for cash withdrawal.

The embodiment of the present invention also provides a system for realizing the above cash withdrawal method based on the third-party platform. Referring to FIG. 2 , it is a system architecture diagram of the embodiment of the present invention.

This system is made up of third-party platform 201, mobile phone 202, ATM terminal 203, bank server 204, specifically:

The third-party platform 201 is used to provide users with personal account registration, management, and commodity transaction services; it is also used to receive and process the user's cash withdrawal request, and accordingly submit a cash transaction request to the bank server, and at the same time send a cash transaction request to the bank server. The mobile phone sends the transaction key;

Wherein, the user interacts with the third-party platform 201 through the personal computer 205 or the mobile phone 202 for the above-mentioned website function interaction.

The mobile phone 202 includes a mobile phone client for interacting with the third-party platform, and proposes a cash withdrawal request according to user instructions;

The ATM terminal 203 includes a reading module for reading the transaction key to obtain verification information;

The bank server 204 is configured to receive the cash transaction request from the third-party platform, communicate with the ATM terminal, and allow the ATM terminal to complete the cash transaction when the verification information passes the verification.

In some embodiments, when the transaction key is a two-dimensional code, the reading module provided on the ATM terminal 203 is a camera; when the transaction key is a non-image electronic code, the reading module The module is a Bluetooth or NFC module.

The patent system requires unified and dynamic platform payment account management, naturally forming a relatively dynamic payment preparation system, which perfectly solves the problems existing in the prior art.

This patent combines Internet technology, encryption, radio frequency, video, and coding technologies, which can not only perfectly realize the protection of customer information, but also implement the operation process of "unified account, dynamic reserve, and account-based settlement", which not only greatly reduces the burden on bank-side customers. The labor and material costs of approval, card making, and card issuance improve work efficiency, reduce system computing pressure, improve service radius and bank machine use efficiency, and obtain intermediary business income from it. From the perspective of the payment platform, it has realized the transformation from virtual account to physical account, providing online customers with complete financial solutions offline. From the perspective of the regulatory authorities, it effectively prevents the regulatory problems of network currency interfering with physical currency. In order to achieve a benign financial structure of multiple wins at one stroke.

Those of ordinary skill in the art should understand that: the above descriptions are only specific embodiments of the present invention, and are not intended to limit the present invention. Any modifications, equivalent replacements, and improvements made within the spirit and principles of the present invention etc., should be included within the protection scope of the present invention.

Claims (10)

1. A kind of 1. enchashment method based on third-party platform, it is characterised in that user acknowledges a debt in third-party platform registration Number, and its phone number is associated, individual's account divides into virtual cash account；The third-party platform offers public affairs in bank Account altogether；

   It the described method comprises the following steps：

   The third-party platform receives the enchashment that user is submitted by cell-phone customer terminal and asks, and carries out feasibility verification, if logical Cross, then propose cash transaction request to bank using the common account as settlement accounts, and generation corresponds to the cash at the same time The transaction key of transaction request is sent to user mobile phone；

   ATM terminals receive user's selection instruction, and into third-party platform trading channel, the transaction obtained on user mobile phone is close The check information that key includes, and send to bank server end and verified, if verification passes through, allow the cash transaction please Ask, cash transaction is completed by ATM terminals；

   Based on the common account and according to the cash transaction as a result, virtual cash under synchronized update individual subscriber account Account.
2. 2. the enchashment method according to claim 1 based on third-party platform, it is characterised in that the third-party platform is User provides commodity transactional services, and expenditure and the income note of commodity transaction are deposited to the virtual cash account of user.
3. 3. the enchashment method according to claim 1 based on third-party platform, it is characterised in that the feasibility verification tool Body includes：

   Check whether individual subscriber account is in normal condition；

   Check whether individual subscriber account has the authority that can withdraw deposit；

   Check whether user's virtual cash account balance is more than or equal to the request number of enchashment request.
4. 4. the enchashment method according to claim 1 based on third-party platform, it is characterised in that according to recording and count User's current transaction behavioral data or the data obtained from external server, the third-party platform distribute credit etc. to user Level, the amount of withdrawing deposit of the virtual cash account is reset according to the credit grade.
5. 5. the enchashment method according to claim 1 based on third-party platform, it is characterised in that the transaction key is set There is the effective time limit no more than five minutes；When the transaction key is not read out in the effective time limit, cell-phone customer terminal It is deleted from all memories.
6. 6. the enchashment method according to claim 1 based on third-party platform, it is characterised in that the transaction key is two Code is tieed up, the ATM terminals connected camera and absorb the transaction key to obtain check information.
7. 7. the enchashment method according to claim 1 based on third-party platform, it is characterised in that the transaction key is non- Image-type electronics code or non-visual electronics code, the ATM terminals realize near-field communication with user mobile phone by bluetooth or NFC, To obtain check information.
8. 8. the enchashment method according to claim 1 based on third-party platform, it is characterised in that user can also be by setting The mobile digital terminal for being equipped with SIM card module realizes the enchashment method.
9. 9. a kind of system for realizing the enchashment method based on third-party platform as described in claim 1 to 8 any one, it is special Sign is, including：Third-party platform, mobile phone, ATM terminals, bank server；Wherein：

   The third-party platform, for providing personal account registration, management, and commodity transaction service to the user；It is additionally operable to connect Receive, the enchashment of processing user request, and propose cash transaction request to the bank server accordingly, while sent out to the mobile phone Send transaction key；

   The mobile phone, including the cell-phone customer terminal for being interacted with the third-party platform, and according to user instruction, propose enchashment Request；

   The ATM terminals, including one be used for read the transaction key to obtain the read module of check information；

   The bank server, the cash transaction for receiving the third-party platform is asked, and is communicated with the ATM terminals, When check information verification passes through, it is allowed to which the ATM terminals complete cash transaction.
10. 10. system according to claim 9, it is characterised in that when the transaction key is Quick Response Code, the reading mould Block is camera；When the transaction key is non-image formula electronics code, the read module is bluetooth or NFC module.