CN109637053A - Server, self-service operation system, method for processing business and readable storage medium storing program for executing - Google Patents
Server, self-service operation system, method for processing business and readable storage medium storing program for executing Download PDFInfo
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- CN109637053A CN109637053A CN201811322443.7A CN201811322443A CN109637053A CN 109637053 A CN109637053 A CN 109637053A CN 201811322443 A CN201811322443 A CN 201811322443A CN 109637053 A CN109637053 A CN 109637053A
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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]
- G07F19/209—Monitoring, auditing or diagnose of functioning of 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]
- G07F19/201—Accessories of ATMs
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Abstract
The present invention discloses a kind of server, self-service operation system, method for processing business and computer readable storage medium, which includes: after generating user's enchashment request on non-enchashment intelligent terminal, to carry out authentication to user；After authentication passes through, pending enchashment order is generated, and generate verification information corresponding with the enchashment order, the identity information of verification information and user is bound and stored；It determines the first automatic teller machine corresponding with pending enchashment order, controls the non-enchashment intelligent terminal output verification information and prompt information；When the first automatic teller machine receives the first verification information and the first identity information of user's input, judge whether receive two information correspond to same user；If so, determining the corresponding pending enchashment order of the first verification information and being executed on the first automatic teller machine.Technical solution of the present invention realizes the non-connected applications for now taking intelligent terminal and automatic teller machine.
Description
Technical Field
The invention relates to the technical field of banking business processing, in particular to a server, a self-service business system, a business processing method and a computer readable storage medium.
Background
At present, each large bank has a non-cash-withdrawal intelligent terminal (e.g. a smart teller machine) and an automatic teller device (e.g. a cash recycling machine, an automatic teller machine) for users to perform some self-service inquiry services, withdrawal services, and the like. The non-cash-withdrawal intelligent terminal is usually only used for cash processing operations such as business inquiry, business application and the like, the automatic teller equipment is usually used for cash withdrawal, cash deposit and the like, the non-cash-withdrawal intelligent terminal and the automatic teller equipment are mutually independent, no business combination exists, cash and non-cash equipment resources in banking business are not fully utilized, and the non-cash-withdrawal intelligent terminal is not intelligent enough.
Disclosure of Invention
The invention mainly aims to provide a server, a self-service business system, a business processing method and a computer readable storage medium, aiming at realizing the combined application of a non-cash-withdrawal intelligent terminal and an automatic teller machine and fully utilizing non-cash and cash equipment resources.
In order to achieve the above object, the present invention provides a server, where the server is communicatively connected to at least one non-cash-withdrawal intelligent terminal and at least one automatic teller device, the server includes a memory and a processor, the memory stores a service processing program operable on the processor, and the service processing program, when executed by the processor, implements the following steps:
after a user cash-fetching request generated on a first non-cash-fetching intelligent terminal is received, performing identity authentication on a current login user on the first non-cash-fetching intelligent terminal;
after the current login user passes identity authentication, generating a to-be-executed cash-out order according to the user cash-out request, randomly generating authentication information corresponding to the to-be-executed cash-out order, and binding and storing the authentication information and the identity information of the current login user;
determining first automatic teller equipment corresponding to the to-be-executed cash-withdrawal order according to a preset rule, and controlling the first non-cash-withdrawal intelligent terminal to output the verification information and prompt information for prompting the current login user to perform next verification operation on the first automatic teller equipment in a preset output form;
when first authentication information and first identity information input by a user based on the first automatic teller machine are received, judging whether the first authentication information and the first identity information correspond to the same user;
if so, determining the cash-out order to be executed corresponding to the first verification information and executing the cash-out order on the first automatic teller equipment so as to enable the first automatic teller equipment to dispense cash.
Preferably, the server is in communication connection with a plurality of automatic teller devices, the plurality of automatic teller devices include a large-amount automatic teller device and a small-amount automatic teller device, and the step of determining, according to a preset rule, a first automatic teller device corresponding to the to-be-executed cash-withdrawal order includes:
judging whether the request quota of the to-be-executed cash-taking order is larger than a first quota threshold value or not;
if the current withdrawal order is larger than the preset withdrawal order, determining one first automatic withdrawal device corresponding to the to-be-executed cash-withdrawal order from the large-amount withdrawal device in a preset mode;
and if the sum is smaller than or equal to the sum, determining one automatic teller device corresponding to the to-be-executed cash-withdrawal order from the small-amount money-withdrawal device according to the preset mode.
Preferably, the verification information is a two-dimensional code, and the preset output form is display screen display or paper printing.
Preferably, after the step of binding and storing the authentication information and the identity information of the current login user, the processor is further configured to execute the service processing program to implement the following steps:
setting the valid time of the verification information;
and when the valid time of one piece of verification information is reached, deleting the verification information and the to-be-executed withdrawal order corresponding to the verification information.
The invention also provides a self-service business system, which comprises at least one non-cash-withdrawal intelligent terminal, at least one automatic teller device and a server, wherein the server is in communication connection with the non-cash-withdrawal intelligent terminal and the automatic teller device, the server comprises a memory and a processor, a business processing program which can run on the processor is stored in the memory, and when being executed by the processor, the following steps are realized:
after a user cash-fetching request generated on a first non-cash-fetching intelligent terminal is received, performing identity authentication on a current login user on the first non-cash-fetching intelligent terminal;
after the current login user passes identity authentication, generating a to-be-executed cash-out order according to the user cash-out request, randomly generating authentication information corresponding to the to-be-executed cash-out order, and binding and storing the authentication information and the identity information of the current login user;
determining first automatic teller equipment corresponding to the to-be-executed cash-withdrawal order according to a preset rule, and controlling the first non-cash-withdrawal intelligent terminal to output the verification information and prompt information for prompting the current login user to perform next verification operation on the first automatic teller equipment in a preset output form;
when first authentication information and first identity information input by a user based on the first automatic teller machine are received, judging whether the first authentication information and the first identity information correspond to the same user;
if so, determining the cash-out order to be executed corresponding to the first verification information and executing the cash-out order on the first automatic teller equipment so as to enable the first automatic teller equipment to dispense cash.
The invention also provides a service processing method, which is applied to a server, wherein the server is in communication connection with at least one non-cash-withdrawal intelligent terminal and at least one automatic teller device, and the service processing method comprises the following steps:
after a user cash-fetching request generated on a first non-cash-fetching intelligent terminal is received, performing identity authentication on a current login user on the first non-cash-fetching intelligent terminal;
after the current login user passes identity authentication, generating a to-be-executed cash-out order according to the user cash-out request, randomly generating authentication information corresponding to the to-be-executed cash-out order, and binding and storing the authentication information and the identity information of the current login user;
determining first automatic teller equipment corresponding to the to-be-executed cash-withdrawal order according to a preset rule, and controlling the first non-cash-withdrawal intelligent terminal to output the verification information and prompt information for prompting the current login user to perform next verification operation on the first automatic teller equipment in a preset output form;
when first authentication information and first identity information input by a user based on the first automatic teller machine are received, judging whether the first authentication information and the first identity information correspond to the same user;
if so, determining the cash-out order to be executed corresponding to the first verification information and executing the cash-out order on the first automatic teller equipment so as to enable the first automatic teller equipment to dispense cash.
Preferably, the server is in communication connection with a plurality of automatic teller devices, the plurality of automatic teller devices include a large-amount automatic teller device and a small-amount automatic teller device, and the step of determining, according to a preset rule, a first automatic teller device corresponding to the to-be-executed cash-withdrawal order includes:
judging whether the request quota of the to-be-executed cash-taking order is larger than a first quota threshold value or not;
if the current withdrawal order is larger than the preset withdrawal order, determining one first automatic withdrawal device corresponding to the to-be-executed cash-withdrawal order from the large-amount withdrawal device in a preset mode;
and if the sum is smaller than or equal to the sum, determining one automatic teller device corresponding to the to-be-executed cash-withdrawal order from the small-amount money-withdrawal device according to the preset mode.
Preferably, the verification information is a two-dimensional code, and the preset output form is display screen display or paper printing.
Preferably, after the step of binding and storing the authentication information and the identity information of the current login user, the service processing method further includes:
setting the valid time of the verification information;
and when the valid time of one piece of verification information is reached, deleting the verification information and the to-be-executed withdrawal order corresponding to the verification information.
The present invention also proposes a computer-readable storage medium storing a service processing program executable by at least one processor to cause the at least one processor to perform the steps of:
after a user cash-fetching request generated on a first non-cash-fetching intelligent terminal is received, performing identity authentication on a current login user on the first non-cash-fetching intelligent terminal;
after the current login user passes identity authentication, generating a to-be-executed cash-out order according to the user cash-out request, randomly generating authentication information corresponding to the to-be-executed cash-out order, and binding and storing the authentication information and the identity information of the current login user;
determining first automatic teller equipment corresponding to the to-be-executed cash-withdrawal order according to a preset rule, and controlling the first non-cash-withdrawal intelligent terminal to output the verification information and prompt information for prompting the current login user to perform next verification operation on the first automatic teller equipment in a preset output form;
when first authentication information and first identity information input by a user based on the first automatic teller machine are received, judging whether the first authentication information and the first identity information correspond to the same user;
if so, determining the cash-out order to be executed corresponding to the first verification information and executing the cash-out order on the first automatic teller equipment so as to enable the first automatic teller equipment to dispense cash.
According to the technical scheme, the server forms a cash-out order to be executed and corresponding verification information according to a cash-out request generated on the non-cash-out intelligent terminal, determines corresponding first automatic teller equipment for the cash-out order to be executed, outputs the verification information and prompt information for prompting a user to further verify the cash withdrawal to the first automatic teller equipment to the user on the non-cash-out intelligent terminal, and enables the user to complete further identity verification to the first automatic teller equipment according to the verification information so as to achieve the cash withdrawal.
Drawings
In order to more clearly illustrate the embodiments of the present invention or the technical solutions in the prior art, the drawings used in the description of the embodiments or the prior art will be briefly described below, it is obvious that the drawings in the following description are only some embodiments of the present invention, and for those skilled in the art, other drawings can be obtained according to the structures shown in the drawings without creative efforts.
Fig. 1 is a schematic flow chart of an embodiment of a service processing method according to the present invention;
fig. 2 is a schematic flow chart of a second embodiment of the service processing method of the present invention;
fig. 3 is a schematic flow chart of a third embodiment of a service processing method according to the present invention;
FIG. 4 is a diagram illustrating an operating environment of a preferred embodiment of a business process program according to the present invention;
FIG. 5 is a block diagram of a business process according to an embodiment of the present invention;
FIG. 6 is a block diagram of a business process according to a second embodiment of the present invention;
fig. 7 is a program module diagram of a service processing program according to a third embodiment of the present invention.
The implementation, functional features and advantages of the objects of the present invention will be further explained with reference to the accompanying drawings.
Detailed Description
The principles and features of this invention are described below in conjunction with the following drawings, which are set forth by way of illustration only and are not intended to limit the scope of the invention.
The invention provides a business processing method, which is applied to a server, wherein the server is in communication connection with at least one non-cash-withdrawal intelligent terminal and at least one automatic teller device; the non-Cash-withdrawal intelligent terminal is, for example, an intelligent Teller machine, and the automatic Teller device is, for example, a TCR (Teller Cash recycling machine), an automatic Teller machine, and the like.
As shown in fig. 1, fig. 1 is a schematic flow chart of an embodiment of a service processing method according to the present invention.
In this embodiment, the service processing method includes:
step S10, after receiving a user cash withdrawal request generated on a first non-cash withdrawal intelligent terminal, performing identity authentication on a current login user on the first non-cash withdrawal intelligent terminal.
After the user selects the cash-fetching request on the first non-cash-fetching intelligent terminal, the server receives the cash-fetching request generated on the first non-cash-fetching intelligent terminal, and then performs identity authentication on the current login user (for example, the authentication may include authentication of the user's identity document information, account number, password, and the like).
Step S20, after the current login user passes the identity authentication, generating a to-be-executed cash-out order according to the user cash-out request, randomly generating authentication information corresponding to the to-be-executed cash-out order, and binding and storing the authentication information and the identity information of the current login user.
After the identity of the current login user is authenticated, the server generates a corresponding cash-out order to be executed according to the cash-out request of the current login user, namely, a cash-out flow order is generated according to the cash-out amount of the cash-out request of the user, the account number of the current login user and other information. And the server randomly generates verification information corresponding to the to-be-executed withdrawal order, binds and stores the verification information and the identity information of the current login user, namely, a corresponding relation is established between the generated verification information, the identity information of the current login user and the to-be-executed withdrawal order. In this embodiment, the verification information may be a two-dimensional code, a barcode, a numeric string, or other types of information.
Step S30, determining, according to a preset rule, a first automated teller machine corresponding to the to-be-executed cash-withdrawal order, and controlling the first non-cash-withdrawal intelligent terminal to output, in a preset output form, the verification information and prompt information for prompting the current login user to perform a next verification operation on the first automated teller machine.
After the cash-out order to be executed is generated, it is further required to determine which automatic teller machine is used to execute the cash-out order to be executed, a rule (i.e., the preset rule) is preset in the server, the server determines, according to the preset rule, a first automatic teller machine corresponding to the cash-out order to be executed, and then the first non-cash-out intelligent terminal outputs the verification information and prompt information, where the prompt information is used to prompt a user to go to the first automatic teller machine for the next verification operation. For example, the prompt message is: please verify the withdrawal to the No. 04 cash machine according to the verification information. The preset output form can be display through a display screen or paper printing, namely, the verification information and the prompt information are displayed through the display screen of the first non-cash-withdrawal intelligent terminal, or the verification information and the prompt information are printed into paper strips through the first non-cash-withdrawal intelligent terminal; of course, the preset output form may also be other forms, for example, the verification information and the prompt information are sent to the mobile phone of the currently logged-in user through short messages. In this embodiment, the server may be connected to a plurality of non-cash-withdrawal intelligent terminals and a plurality of automatic teller machines, and in a period of time, there may be a case where the server allocates to the same automatic teller machine a cash-withdrawal order to be executed corresponding to a cash-withdrawal request generated on the plurality of non-cash-withdrawal intelligent terminals.
Step S40, when first authentication information and first identity information input by a user based on the first automatic teller machine are received, determining whether the first authentication information and the first identity information correspond to the same user.
When a user arrives at the first automatic teller machine according to the prompt message and inputs first verification information and first identity information, the server receives the first verification information and the first identity information input by the user, and the server judges whether the first verification information and the first identity information correspond to the same user (namely whether the first verification information and the first identity information are bound together) according to the stored binding data of the verification information and the identity information. When the first verification information is a two-dimensional code or a bar code, the first verification information can be scanned, identified and input through a code scanning position of first automatic teller equipment; the first identity information may be identity card information, or biometric information such as face information and fingerprint information.
Step S50, if yes, determining that the to-be-executed cash-out order corresponding to the first verification information is executed on the first automatic teller machine, so that the first automatic teller machine dispenses cash.
When the server determines that the first verification information and the first identity information correspond to the same user, the server determines the cash-out order to be executed corresponding to the first verification information according to the corresponding relationship between the verification information and the cash-out order to be executed, and enables the first automatic teller machine to execute the determined cash-out order to be executed for cash-out, namely, the cash-out request of the user is realized.
According to the technical scheme, the server forms a cash-out order to be executed and corresponding verification information according to a cash-out request generated on the non-cash-out intelligent terminal, determines corresponding first automatic teller equipment for the cash-out order to be executed, outputs the verification information and prompt information for prompting a user to further verify the cash withdrawal to the first automatic teller equipment to the user on the non-cash-out intelligent terminal, and enables the user to complete further identity verification to the first automatic teller equipment according to the verification information so as to achieve the cash withdrawal.
As shown in fig. 2, fig. 2 is a flowchart illustrating a service processing method according to a second embodiment of the present invention.
In this embodiment, the server is in communication connection with a plurality of automatic teller devices, where the plurality of automatic teller devices include large-amount teller devices and small-amount teller devices. The step of determining, according to a preset rule, a first automatic teller device corresponding to the to-be-executed cash-withdrawal order includes:
step S31, determine whether the request credit of the to-be-executed cash-out order is greater than the first credit threshold.
A first quota threshold (for example, 2 ten thousand) is preset in the server, and if the first quota threshold is exceeded, the server is judged to be large-quota withdrawal, and if the first quota threshold is smaller than or equal to the first quota threshold, the server is judged to be small-quota withdrawal. And the server compares the requested amount of the to-be-executed cash-taking order with a first limit threshold value, and determines whether the requested amount of the to-be-executed cash-taking order belongs to large-amount cash-taking or small-amount cash-taking.
And step S32, if the current cash withdrawal order is larger than the current cash withdrawal order, determining one automatic cash withdrawal device corresponding to the to-be-executed cash withdrawal order from the large-amount cash withdrawal device according to a preset mode.
If the request amount of the to-be-executed cash-withdrawal order is larger than a first amount threshold value, the server determines that the to-be-executed cash-withdrawal order is a large-amount cash-withdrawal running order, the server determines a large-amount money withdrawal device from large-amount money withdrawal devices according to a preset mode, and the determined large-amount money withdrawal device is used as a first automatic money withdrawal device corresponding to the to-be-executed cash-withdrawal order.
Step S33, if the sum is less than or equal to the preset value, determining one automatic teller device from the small amount teller devices as a first automatic teller device corresponding to the to-be-executed cash-out order.
If the request amount of the to-be-executed cash-getting order is smaller than or equal to a first amount threshold value, the server determines that the to-be-executed cash-getting order is a small-amount cash-getting flow order, the server determines a small-amount money drawing device from the small-amount money drawing device according to a preset mode, and the determined small-amount money drawing device is used as a first automatic money drawing device corresponding to the to-be-executed cash-getting order.
In this embodiment, the preset manner may be: 1. a random selection mode; 2. according to a predetermined mapping relationship, for example, each non-cashing intelligent terminal corresponds to a large-amount cash withdrawal device and a small-amount cash withdrawal device, and after the server determines that the cashing order to be executed is a large-amount cashing running order, the server directly determines the large-amount cash withdrawal device corresponding to the first non-cashing intelligent terminal as the first automatic teller device according to the predetermined mapping relationship.
As shown in fig. 3, fig. 3 is a schematic flow chart of a service processing method according to a third embodiment of the present invention.
After the step of binding and storing the authentication information and the identity information of the current login user, the service processing method of this embodiment further includes:
step S60, setting a valid time of the verification information;
step S70, when the validity time of one piece of verification information is reached, deleting the verification information and the to-be-executed cash-out order corresponding to the verification information.
In actual reality applications, there may be situations and reasons when a user does not arrive at an automated teller device in time for further authentication. Therefore, in order to avoid the problem that the user affects the property security of the user due to the leakage of the authentication information, the present embodiment sets the authentication information to a valid time (for example, 5 minutes), and the user can use the authentication information to complete further authentication on the first automatic teller device within the valid time of the authentication information to realize cash withdrawal; if the validation information A exceeds the valid time (namely the valid time is up), the server deletes the validation information A and simultaneously deletes the to-be-executed order corresponding to the validation information A, and at the moment, when the validation information A is used to go to the first automatic teller equipment for further validation, the validation cannot be passed, namely the cash can not be taken out. The present embodiment also avoids the problem of having too much history of the to-be-executed cash orders in the server.
In addition, the invention also provides a service processing program.
Please refer to fig. 4, which is a schematic diagram of an operating environment of the service processing program 10 according to a preferred embodiment of the present invention.
In the present embodiment, the service processing program 10 is installed and run in the server 1. The server 1 is in communication connection with at least one non-cash-withdrawal intelligent terminal (e.g., a smart teller machine) and at least one automatic teller device (e.g., a teller cash recycling machine, an automatic teller machine, etc.), and the server 1 may be a desktop computer, a notebook, a palm computer, or other computing devices. The server 1 may include, but is not limited to, a memory 11, a processor 12, and a display 13. Fig. 4 only shows the server 1 with components 11-13, but it is to be understood that not all of the shown components are required to be implemented, and that more or fewer components may be implemented instead.
The storage 11 may in some embodiments be an internal storage unit of the server 1, such as a hard disk or a memory of the server 1. The memory 11 may also be an external storage device of the server 1 in other embodiments, such as a plug-in hard disk, a Smart Media Card (SMC), a Secure Digital (SD) Card, a Flash memory Card (Flash Card), and the like provided on the server 1. Further, the memory 11 may also include both an internal storage unit of the server 1 and an external storage device. The memory 11 is used for storing application software installed in the server 1 and various data, such as program codes of the service processing program 10. The memory 11 may also be used to temporarily store data that has been output or is to be output.
Processor 12, which in some embodiments may be a Central Processing Unit (CPU), microprocessor or other data Processing chip, executes program code or processes data stored in memory 11, such as executing business process program 10.
The display 13 may be an LED display, a liquid crystal display, a touch-sensitive liquid crystal display, an OLED (Organic Light-Emitting Diode) touch panel, or the like in some embodiments. The display 13 is used for displaying information processed in the server 1 and for displaying a user interface for visualization. The components 11-13 of the server 1 communicate with each other via a program bus.
Please refer to fig. 5, which is a flowchart illustrating a business process program 10 according to an embodiment of the present invention. In this embodiment, the service processing program 10 may be divided into one or more modules, and the one or more modules are stored in the memory 11 and executed by one or more processors (in this embodiment, the processor 12) to complete the present invention. For example, in fig. 5, the business process program 10 may be divided into a verification module 101, a generation module 102, a determination module 103, a judgment module 104, and an execution module 105. The module referred to in the present invention refers to a series of computer program instruction segments capable of performing specific functions, and is more suitable than a program for describing the execution process of the service processing program 10 in the server 1, wherein:
the verification module 101 is configured to perform identity verification on a current login user on a first non-cash-withdrawal intelligent terminal after receiving a user cash-withdrawal request generated on the first non-cash-withdrawal intelligent terminal.
After the user selects the cash-fetching request on the first non-cash-fetching intelligent terminal, the server receives the cash-fetching request generated on the first non-cash-fetching intelligent terminal, and then performs identity authentication on the current login user (for example, the authentication may include authentication of the user's identity document information, account number, password, and the like).
The generating module 102 is configured to generate a to-be-executed cash-out order according to the user cash-out request after the current login user passes identity authentication, randomly generate authentication information corresponding to the to-be-executed cash-out order, and bind and store the authentication information and the identity information of the current login user.
After the identity of the current login user is authenticated, the server generates a corresponding cash-out order to be executed according to the cash-out request of the current login user, namely, a cash-out flow order is generated according to the cash-out amount of the cash-out request of the user, the account number of the current login user and other information. And the server randomly generates verification information corresponding to the to-be-executed withdrawal order, binds and stores the verification information and the identity information of the current login user, namely, a corresponding relation is established between the generated verification information, the identity information of the current login user and the to-be-executed withdrawal order. In this embodiment, the verification information may be a two-dimensional code, a barcode, a numeric string, or other types of information.
A determining module 103, configured to determine, according to a preset rule, a first automated teller machine corresponding to the to-be-executed cash-withdrawal order, and control the first non-cash-withdrawal intelligent terminal to output, in a preset output form, the verification information and prompt information for prompting the current login user to perform a next verification operation on the first automated teller machine.
After the cash-out order to be executed is generated, it is further required to determine which automatic teller machine is used to execute the cash-out order to be executed, a rule (i.e., the preset rule) is preset in the server, the server determines, according to the preset rule, a first automatic teller machine corresponding to the cash-out order to be executed, and then the first non-cash-out intelligent terminal outputs the verification information and prompt information, where the prompt information is used to prompt a user to go to the first automatic teller machine for the next verification operation. For example, the prompt message is: please verify the withdrawal to the No. 04 cash machine according to the verification information. The preset output form can be display through a display screen or paper printing, namely, the verification information and the prompt information are displayed through the display screen of the first non-cash-withdrawal intelligent terminal, or the verification information and the prompt information are printed into paper strips through the first non-cash-withdrawal intelligent terminal; of course, the preset output form may also be other forms, for example, the verification information and the prompt information are sent to the mobile phone of the currently logged-in user through short messages. In this embodiment, the server may be connected to a plurality of non-cash-withdrawal intelligent terminals and a plurality of automatic teller machines, and in a period of time, there may be a case where the server allocates to the same automatic teller machine a cash-withdrawal order to be executed corresponding to a cash-withdrawal request generated on the plurality of non-cash-withdrawal intelligent terminals.
The determining module 104 is configured to determine whether the first authentication information and the first identity information correspond to the same user when receiving the first authentication information and the first identity information that are input by the user based on the first automatic teller machine.
When a user arrives at the first automatic teller machine according to the prompt message and inputs first verification information and first identity information, the server receives the first verification information and the first identity information input by the user, and the server judges whether the first verification information and the first identity information correspond to the same user (namely whether the first verification information and the first identity information are bound together) according to the stored binding data of the verification information and the identity information. When the first verification information is a two-dimensional code or a bar code, the first verification information can be scanned, identified and input through a code scanning position of first automatic teller equipment; the first identity information may be identity card information, or biometric information such as face information and fingerprint information.
The execution module 105 is configured to determine, when it is determined that the first verification information and the first identity information correspond to the same user, a to-be-executed cash-out order corresponding to the first verification information and execute the to-be-executed cash-out order on the first automatic teller machine, so that the first automatic teller machine dispenses cash.
When the server determines that the first verification information and the first identity information correspond to the same user, the server determines the cash-out order to be executed corresponding to the first verification information according to the corresponding relationship between the verification information and the cash-out order to be executed, and enables the first automatic teller machine to execute the determined cash-out order to be executed for cash-out, namely, the cash-out request of the user is realized.
According to the technical scheme, the server forms a cash-out order to be executed and corresponding verification information according to a cash-out request generated on the non-cash-out intelligent terminal, determines corresponding first automatic teller equipment for the cash-out order to be executed, outputs the verification information and prompt information for prompting a user to further verify the cash withdrawal to the first automatic teller equipment to the user on the non-cash-out intelligent terminal, and enables the user to complete further identity verification to the first automatic teller equipment according to the verification information so as to achieve the cash withdrawal.
Referring to fig. 6, in this embodiment, the server is in communication connection with a plurality of automatic teller devices, where the plurality of automatic teller devices include a large-amount teller device and a small-amount teller device. The determining module 103 includes a comparing module 1031 and a selecting module 1032. Wherein,
a comparing module 1031, configured to determine whether the request quota of the to-be-executed cash-taking order is greater than a first quota threshold.
A first quota threshold (for example, 2 ten thousand) is preset in the server, and if the first quota threshold is exceeded, the server is judged to be large-quota withdrawal, and if the first quota threshold is smaller than or equal to the first quota threshold, the server is judged to be small-quota withdrawal. And the server compares the requested amount of the to-be-executed cash-taking order with a first limit threshold value, and determines whether the requested amount of the to-be-executed cash-taking order belongs to large-amount cash-taking or small-amount cash-taking.
A selecting module 1032, configured to determine, in a preset manner, one of the large-amount withdrawal devices as a first automatic withdrawal device corresponding to the to-be-executed cash-withdrawal order when the request amount of the to-be-executed cash-withdrawal order is greater than a first amount threshold.
If the request amount of the to-be-executed cash-withdrawal order is larger than a first amount threshold value, the server determines that the to-be-executed cash-withdrawal order is a large-amount cash-withdrawal running order, the server determines a large-amount money withdrawal device from large-amount money withdrawal devices according to a preset mode, and the determined large-amount money withdrawal device is used as a first automatic money withdrawal device corresponding to the to-be-executed cash-withdrawal order.
The selecting module 1032 is further configured to determine, when the request amount of the to-be-executed cash-withdrawal order is less than or equal to a first amount threshold, one of the small-amount money withdrawing devices as a first automatic money withdrawing device corresponding to the to-be-executed cash-withdrawal order according to the preset manner.
If the request amount of the to-be-executed cash-getting order is smaller than or equal to a first amount threshold value, the server determines that the to-be-executed cash-getting order is a small-amount cash-getting flow order, the server determines a small-amount money drawing device from the small-amount money drawing device according to a preset mode, and the determined small-amount money drawing device is used as a first automatic money drawing device corresponding to the to-be-executed cash-getting order.
In this embodiment, the preset manner may be: 1. a random selection mode; 2. according to a predetermined mapping relationship, for example, each non-cashing intelligent terminal corresponds to a large-amount cash withdrawal device and a small-amount cash withdrawal device, and after the server determines that the cashing order to be executed is a large-amount cashing running order, the server directly determines the large-amount cash withdrawal device corresponding to the first non-cashing intelligent terminal as the first automatic teller device according to the predetermined mapping relationship.
Referring to fig. 7, the service processing program of the present embodiment further includes a setting module 106 and a deleting module 107.
A setting module 106, configured to set a valid time of the verification information;
a deleting module 107, configured to delete the validation information and the to-be-executed cash-out order corresponding to the validation information when the validity time of the validation information is reached.
In actual reality applications, there may be situations and reasons when a user does not arrive at an automated teller device in time for further authentication. Therefore, in order to avoid the problem that the user affects the property security of the user due to the leakage of the authentication information, the present embodiment sets the authentication information to a valid time (for example, 5 minutes), and the user can use the authentication information to complete further authentication on the first automatic teller device within the valid time of the authentication information to realize cash withdrawal; if the validation information A exceeds the valid time (namely the valid time is up), the server deletes the validation information A and simultaneously deletes the to-be-executed order corresponding to the validation information A, and at the moment, when the validation information A is used to go to the first automatic teller equipment for further validation, the validation cannot be passed, namely the cash can not be taken out. The present embodiment also avoids the problem of having too much history of the to-be-executed cash orders in the server.
Further, the present invention provides a self-service system, where the self-service system includes at least one non-cash-withdrawal intelligent terminal, at least one automatic teller device, and a server, where the server is in communication connection with the non-cash-withdrawal intelligent terminal and the automatic teller device, and a specific module structure and a function of the server may refer to the above-mentioned embodiments, and are not described herein again.
Further, the present invention also provides a computer-readable storage medium, which stores a service processing program, where the service processing program is executable by at least one processor, so as to cause the at least one processor to execute the service processing method in any of the above embodiments.
The above description is only a preferred embodiment of the present invention, and is not intended to limit the scope of the present invention, and all modifications and equivalents of the present invention, which are made by the contents of the present specification and the accompanying drawings, or directly/indirectly applied to other related technical fields, are included in the scope of the present invention.
Claims (10)
1. A server communicatively coupled to at least one non-cash-withdrawal intelligent terminal and at least one automated teller device, the server comprising a memory and a processor, the memory having stored thereon a transaction processing program executable on the processor, the transaction processing program when executed by the processor performing the steps of:
after a user cash-fetching request generated on a first non-cash-fetching intelligent terminal is received, performing identity authentication on a current login user on the first non-cash-fetching intelligent terminal;
after the current login user passes identity authentication, generating a to-be-executed cash-out order according to the user cash-out request, randomly generating authentication information corresponding to the to-be-executed cash-out order, and binding and storing the authentication information and the identity information of the current login user;
determining first automatic teller equipment corresponding to the to-be-executed cash-withdrawal order according to a preset rule, and controlling the first non-cash-withdrawal intelligent terminal to output the verification information and prompt information for prompting the current login user to perform next verification operation on the first automatic teller equipment in a preset output form;
when first authentication information and first identity information input by a user based on the first automatic teller machine are received, judging whether the first authentication information and the first identity information correspond to the same user;
if so, determining the cash-out order to be executed corresponding to the first verification information and executing the cash-out order on the first automatic teller equipment so as to enable the first automatic teller equipment to dispense cash.
2. The server of claim 1, wherein the server is communicatively coupled to a plurality of automated teller devices, including large-volume cash-withdrawal devices and small-volume cash-withdrawal devices, and wherein determining the first automated teller device corresponding to the to-be-executed cash-withdrawal order based on the predetermined rule comprises:
judging whether the request quota of the to-be-executed cash-taking order is larger than a first quota threshold value or not;
if the current withdrawal order is larger than the preset withdrawal order, determining one first automatic withdrawal device corresponding to the to-be-executed cash-withdrawal order from the large-amount withdrawal device in a preset mode;
and if the sum is smaller than or equal to the sum, determining one automatic teller device corresponding to the to-be-executed cash-withdrawal order from the small-amount money-withdrawal device according to the preset mode.
3. The server according to claim 1, wherein the authentication information is a two-dimensional code, and the preset output form is a display screen display or a paper print.
4. The server according to any one of claims 1 to 3, wherein after the step of binding and storing the authentication information and the identity information of the current login user, the processor is further configured to execute the service processing program to implement the following steps:
setting the valid time of the verification information;
and when the valid time of one piece of verification information is reached, deleting the verification information and the to-be-executed withdrawal order corresponding to the verification information.
5. A self-service transaction system comprising at least one non-cashing intelligent terminal, at least one automated teller device, and a server according to any one of claims 1-4.
6. A service processing method is applied to a server, the server is in communication connection with at least one non-cash-withdrawal intelligent terminal and at least one automatic teller device, and the service processing method comprises the following steps:
after a user cash-fetching request generated on a first non-cash-fetching intelligent terminal is received, performing identity authentication on a current login user on the first non-cash-fetching intelligent terminal;
after the current login user passes identity authentication, generating a to-be-executed cash-out order according to the user cash-out request, randomly generating authentication information corresponding to the to-be-executed cash-out order, and binding and storing the authentication information and the identity information of the current login user;
determining first automatic teller equipment corresponding to the to-be-executed cash-withdrawal order according to a preset rule, and controlling the first non-cash-withdrawal intelligent terminal to output the verification information and prompt information for prompting the current login user to perform next verification operation on the first automatic teller equipment in a preset output form;
when first authentication information and first identity information input by a user based on the first automatic teller machine are received, judging whether the first authentication information and the first identity information correspond to the same user;
if so, determining the cash-out order to be executed corresponding to the first verification information and executing the cash-out order on the first automatic teller equipment so as to enable the first automatic teller equipment to dispense cash.
7. The transaction processing method of claim 6, wherein the server is communicatively connected to a plurality of automatic teller devices, the plurality of automatic teller devices including large-amount cash dispensing devices and small-amount cash dispensing devices, and the step of determining the first automatic teller device corresponding to the to-be-executed cash-out order according to a preset rule comprises:
judging whether the request quota of the to-be-executed cash-taking order is larger than a first quota threshold value or not;
if the current withdrawal order is larger than the preset withdrawal order, determining one first automatic withdrawal device corresponding to the to-be-executed cash-withdrawal order from the large-amount withdrawal device in a preset mode;
and if the sum is smaller than or equal to the sum, determining one automatic teller device corresponding to the to-be-executed cash-withdrawal order from the small-amount money-withdrawal device according to the preset mode.
8. The transaction processing method of claim 6, wherein the verification information is a two-dimensional code, and the preset output form is display screen display or paper printing.
9. The service processing method according to any one of claims 6 to 8, wherein after the step of binding and storing the authentication information and the identity information of the current login user, the service processing method further comprises:
setting the valid time of the verification information;
and when the valid time of one piece of verification information is reached, deleting the verification information and the to-be-executed withdrawal order corresponding to the verification information.
10. A computer-readable storage medium storing a business process program executable by at least one processor to cause the at least one processor to perform a business process method according to any one of claims 6-9.
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