CN111639926A - Card-free cash withdrawal method, device, storage medium and equipment - Google Patents

Abstract

The present application discloses a method, device, storage medium and equipment for cash withdrawal without a card. By adding online reservations and using a pre-installed shared cash cabinet nearby, the function of cash withdrawal without a card is provided for customers, so that customers do not need to go to the bank in person. Cash withdrawal at the counter or ATM machine saves the customer's cash withdrawal time and improves the convenience of the customer's cash withdrawal. The method includes: firstly receiving a card-free cash withdrawal request sent by a terminal device, wherein the card-free request includes information about the customer's scheduled cash withdrawal, then, according to the customer's scheduled cash withdrawal information, returning option information of the cardless cash withdrawal method through a shared cash cabinet, and then, Receive the cardless cash withdrawal method selected by the customer in the option information, and return the reserved cash withdrawal response, and then receive the cardless cash withdrawal operation implemented by the customer on the shared cash cabinet according to the cash withdrawal response, so as to realize the customer's cardless cash withdrawal.

Description

Cardless cash withdrawal method, device, storage medium and device

technical field

The present application relates to the field of computer technology, and in particular, to a method, device, storage medium and device for withdrawing cash without a card.

Background technique

With the popularization of electronic money, people mostly use mobile terminals (such as mobile phones) in their daily life to complete various transactions by scanning code payment methods such as Alipay, WeChat, and mobile banking.

But because of this, people are not used to carrying cash and bank cards. In some scenarios that only allow cash transactions (such as some hospitals need cash to recharge, highway gas stations need cash to refuel, etc.), people will face the possibility of not being able to withdraw cash. Embarrassing scene. In addition, at present, when acquiring foreign currency, customers must go to the bank counter to make an appointment to withdraw cash. When the banking business is particularly heavy, customers need to wait for a long time, which consumes a lot of time and energy of customers, resulting in poor customer experience. In addition, when cash is needed, customers must go to the bank counter or ATM machine to withdraw cash, but bank branches and ATM machines are not everywhere, and sometimes customers even need to go to a remote location to find an ATM machine or bank branch. , which is very inconvenient and will also lead to poor customer experience.

SUMMARY OF THE INVENTION

The main purpose of the embodiments of the present application is to provide a method, device, storage medium and equipment for cash withdrawal without a card, which can use a pre-installed shared cash cabinet for customers to withdraw cash without a card in a place that does not support the use of electronic payment for the time being, and improves the number of customers. experience.

In a first aspect, an embodiment of the present application provides a method for cash withdrawal without a card, including:

receiving a request for cash withdrawal without a card sent by the terminal device, where the request without a card includes information about the customer's reservation for cash withdrawal;

According to the information about the customer's reservation for cash withdrawal, the option information of the cardless cash withdrawal method is returned through the shared cash cabinet;

Receive the cardless cash withdrawal method selected by the customer in the option information, and return an appointment cash withdrawal response;

Receiving the cardless cash withdrawal operation performed by the client on the shared cash cabinet according to the cash withdrawal response, and realizing the cardless cash withdrawal of the client.

Optionally, the shared cash cabinet is pre-installed in a preset position; the preset position includes a place that does not support the use of electronic payment for the time being.

Optionally, the information about the customer's appointment to withdraw cash includes the location, time and amount of cash withdrawal that the customer reserves;

Before returning the option information of the cardless cash withdrawal method through the shared cash box according to the information about the customer's cash withdrawal appointment, the method further includes:

According to the cash withdrawal location, the cash withdrawal time and the cash withdrawal amount reserved by the customer, a shared cash cabinet that provides cash for the customer is determined.

Optionally, the card-free request includes reservation information of the customer;

Then, after receiving the cardless cash withdrawal request sent by the terminal device, the method further includes:

The client is authenticated according to the client's reservation information.

In a second aspect, an embodiment of the present application also provides a device for withdrawing cash without a card, including:

a first receiving unit, configured to receive a card-free cash withdrawal request sent by the terminal device, where the card-free request includes information about the customer's reservation for cash withdrawal;

The returning unit is used to return the option information of the cardless cash withdrawal method through the shared cash cabinet according to the information about the customer's reservation for cash withdrawal;

a second receiving unit, configured to receive the cardless cash withdrawal method selected by the customer in the option information, and return a reservation cash withdrawal response;

The third receiving unit is configured to receive the cardless cash withdrawal operation performed by the customer on the shared cash cabinet according to the cash withdrawal response, so as to realize the cardless cash withdrawal of the customer.

Optionally, the shared cash cabinet is pre-installed in a preset position; the preset position includes a place that does not support the use of electronic payment for the time being.

Optionally, the information about the customer's appointment to withdraw cash includes the location, time, and amount of cash that the customer reserves for withdrawing; the device further includes:

A determining unit, configured to determine a shared cash cabinet that provides cash for the customer according to the cash withdrawal location, the cash withdrawal time and the cash withdrawal amount reserved by the customer.

Optionally, the card-free request includes reservation information of the customer; then the device further includes:

A verification unit, configured to perform identity verification on the client according to the reservation information of the client.

Embodiments of the present application also provide a cardless cash withdrawal device, including: a processor, a memory, and a system bus;

The processor and the memory are connected through the system bus;

The memory is used to store one or more programs, and the one or more programs include instructions that, when executed by the processor, cause the processor to execute any one of the above-mentioned methods for cashless cash withdrawal. Way.

An embodiment of the present application further provides a computer-readable storage medium, where an instruction is stored in the computer-readable storage medium, and when the instruction is executed on a terminal device, the terminal device is made to execute the above method for cash withdrawal without a card. any implementation of .

In a method, device, storage medium and device for cash withdrawal without a card provided by the embodiments of the present application, firstly, a request for cash withdrawal without a card sent by a terminal device is received, wherein the request without a card includes information about the customer's reservation for cash withdrawal, and then according to the customer's reservation for cash withdrawal information, return the option information of the cardless cash withdrawal method through the shared cash cabinet, then receive the cardless cash withdrawal method selected by the customer in the option information, and return the reserved cash withdrawal response, and then receive the cash withdrawal method implemented by the customer on the shared cash cabinet according to the cash withdrawal response. Card cash withdrawal operation, realize the customer's cardless cash withdrawal. It can be seen that the embodiment of the present application provides customers with the function of cash withdrawal without a card by adding online reservations and using a pre-installed shared cash cabinet nearby, so that the customer does not need to go to the bank counter or ATM machine to withdraw cash in person, saving the customer's cash withdrawal. time and improve the convenience for customers to withdraw cash.

Description of drawings

In order to more clearly illustrate the embodiments of the present application or the technical solutions in the prior art, the following briefly introduces the accompanying drawings that need to be used in the description of the embodiments or the prior art. Obviously, the drawings in the following description are For some embodiments of the present application, for those of ordinary skill in the art, other drawings can also be obtained according to these drawings without any creative effort.

1 is a schematic flowchart of a method for withdrawing cash without a card provided by an embodiment of the present application;

FIG. 2 is a schematic diagram of the composition of a device for withdrawing cash without a card provided by an embodiment of the present application.

Detailed ways

At present, with the rapid development of Internet technology and the popularization of electronic money, people mostly use mobile terminals (such as mobile phones) in their daily lives to complete various transactions by scanning code payment methods such as Alipay, WeChat, and mobile banking. But because of this, people are not used to carrying cash and bank cards. In some scenarios that only allow cash transactions (such as some hospitals need cash to recharge, highway gas stations need cash to refuel, etc.), people will face the possibility of not being able to withdraw cash. Embarrassing scene.

In addition, when cash is needed, customers must go to the bank counter or ATM machine to withdraw cash, but bank branches and ATM machines are not everywhere, and sometimes customers even need to go to a remote location to find an ATM machine or bank branch. ,Very inconvenient. At the same time, although there are card-free cash withdrawal solutions such as face-scanning and barcode scanning in ATM machines, AMT machines occupy a large area and are inconvenient to move and install, and face-scanning withdrawals in ATM machines are only for the bank card of the bank, and for other banks Cards cannot be used to withdraw cash without a card. In addition, at present, when acquiring foreign currency, customers must go to the bank counter to make an appointment to withdraw cash. When the banking business is particularly heavy, customers need to wait for a long time, which consumes a lot of time and energy of customers, resulting in poor customer experience.

In order to solve the above defects, an embodiment of the present application provides a method for withdrawing cash without a card. First, a request for withdrawing cash without a card sent by a terminal device is received. Return the option information of the cardless cash withdrawal method through the shared cash cabinet, then receive the cardless cash withdrawal method selected by the customer in the option information, and return the scheduled cash withdrawal response, and then receive the cardless cash withdrawal implemented by the customer on the shared cash cabinet according to the cash withdrawal response. Operation, to achieve the customer's card-free cash withdrawal. It can be seen that the embodiment of the present application provides customers with the function of cash withdrawal without a card by adding online reservations and using a pre-installed shared cash cabinet nearby, so that the customer does not need to go to the bank counter or ATM machine to withdraw cash in person, saving the customer's cash withdrawal. time and improve the convenience for customers to withdraw cash.

In order to make the purposes, technical solutions and advantages of the embodiments of the present application clearer, the technical solutions in the embodiments of the present application will be described clearly and completely below with reference to the drawings in the embodiments of the present application. Obviously, the described embodiments It is a part of the embodiments of the present application, but not all of the embodiments. Based on the embodiments in the present application, all other embodiments obtained by those of ordinary skill in the art without creative efforts shall fall within the protection scope of the present application.

first embodiment

Referring to FIG. 1, it is a schematic flowchart of a method for withdrawing cash without a card provided in this embodiment, and the method includes the following steps:

S101: Receive a request for cash withdrawal without a card sent by a terminal device, where the request without a card includes information about a customer's reservation for cash withdrawal.

It should be noted that, with the popularity of electronic money, people mostly use mobile terminals (such as mobile phones) in their daily lives to complete various transactions by scanning code payment methods such as Alipay, WeChat, and mobile banking.

Therefore, in this embodiment, in order to further improve the customer experience and meet the customer's demand for cash withdrawal without a card (that is, the demand for cash withdrawal through mobile banking, face-swiping, etc.) The installed mobile banking or online banking, or the cardless cash withdrawal request sent by phone banking or other methods is used to execute the subsequent step S102.

Wherein, the card-free request may include information about the customer's reservation for cash withdrawal, such as the customer's reservation for cash withdrawal, the cash withdrawal time, the cash withdrawal amount, the cash withdrawal currency, and the like.

S102: Return option information of the cash withdrawal method without a card through the shared cash cabinet according to the information about the customer's cash withdrawal appointment.

In this embodiment, after receiving the cardless cash withdrawal request sent by the terminal device and including the information about the customer's scheduled cash withdrawal through step S101, it can further be based on the customer's scheduled cash withdrawal information (such as the customer's scheduled cash withdrawal location, cash withdrawal time, cash withdrawal amount) , cash withdrawal currency, etc.), return the option information of cardless cash withdrawal method to users through the shared cash cabinet, for example, it can provide customers with option information of cardless cash withdrawal methods such as mobile banking, face swiping, etc. for customers to choose.

It should be noted that, in a possible implementation manner of the embodiment of the present application, the information about the customer's reservation for cash withdrawal includes the customer's reservation for the cash withdrawal location, the cash withdrawal time, and the cash withdrawal amount. It is necessary to determine the shared cash cabinets that provide customers with cash withdrawal services without a card, that is, to determine the shared cash cabinets that provide customers with cash, according to the information such as the cash withdrawal location, cash withdrawal time, and cash withdrawal amount reserved by the customer.

Among them, the shared cash cabinet refers to a set of intelligent cash bank system, including hardware and software, and its hardware includes a set of movable ATM system (including cash box, touch-sensitive display screen, camera, and cash dispenser), network interface , and the shared cash cabinet is much smaller than the ATM machine, which is convenient to move. Its software includes a corresponding cardless withdrawal system, so that customers can click on the cardless withdrawal system, and under the guidance of the screen display, select the amount to be withdrawn and the cardless withdrawal method (such as face swiping, mobile banking, etc.) through the touch screen. ), etc. to withdraw cash without a card.

It should be noted that, in a possible implementation manner of the embodiment of the present application, the shared cash cabinet is pre-installed in a preset location, and the preset location may include places that do not support the use of electronic payment, such as some hospitals Or highway gas stations, etc. Furthermore, in these places where electronic payment cannot be used, a cardless cash withdrawal service can be provided to customers through a shared cash box. In addition, the bank can actively contact the enterprise or merchant in need (or the enterprise or merchant in need actively contact the bank), after reaching an agreement, install the shared cash cabinet at the location of the enterprise or merchant, and after the use is completed, The bank recycles the shared money box to move it to another location.

For example: Assume that company A cannot use electronic money during the end-of-year settlement of the company in the past two weeks, and only supports the use of cash to recharge employee cards. Because cash is not used for a long time, a large number of employees forget to bring cash to recharge their cards, and they are unable to make meals. etc. phenomenon. At this time, Enterprise A can apply to the bank to install a shared cash cabinet in advance, so that when the employees of Enterprise A receive the notification, they can make an appointment to withdraw cash without a card, and withdraw cash from the shared cash cabinet for recharging, providing employees with an experience.

Another example: Suppose Person B wants to visit country C recently, but needs to exchange a certain amount of currency in country C in advance. Person B calls the bank's customer service to learn that the nearest business outlet that can exchange currency in country C is far away from him. There is a long distance, and Person B does not have a car. Usually, he gets off work late, and the business outlet is also closed. He cannot delay his work and go to the business outlet to exchange the currency of country C. At this time, if a shared cash box is installed in some nearby places, Person B can make an appointment for cash withdrawal without a card in advance, and can withdraw the reserved currency of country C through the shared cash box nearby after get off work, saving the exchange of currency of country C time.

Another example: Suppose hospital D does not support electronic money payment because the registration fee is the old line system and has not been upgraded, and needs to pay the registration fee in cash. Although Person E already knew about it before, and remembered to go to the bank to withdraw money and then go to Hospital D to register, but because of busy work and time constraints, he forgot to withdraw the money, and when he arrived at Hospital D, he remembered that he had no cash on his body, and there was no cash withdrawal nearby. At a bank branch or an ATM machine, at this time, Person E can only exchange cash by transferring electronic money to other queuing patients, which not only wastes time, but also brings great inconvenience to others. In this case, if a shared cash box is installed in hospital D, personnel E can make an appointment for cash withdrawal without a card in advance, and take out the reserved cash through the shared cash box for on-site registration.

In addition, in a possible implementation manner of the embodiment of the present application, the card-free request sent by the customer through the terminal device may also include reservation information of the customer, such as the user's name, ID number, bank card number, etc. , in order to ensure the security of customers' funds, it is also necessary to verify the identity of the customers according to the reserved information provided by these customers. Only when the correspondence of the bank records is compared and the complete consistency is ensured, it can be shown that the customer's identity verification has passed, and further, the subsequent step S103 can be continued.

S103: Receive the cardless cash withdrawal method selected by the customer in the option information, and return a reservation cash withdrawal response.

In this embodiment, after using the shared cash drawer to return the option information of the cardless cash withdrawal method (such as face swiping, mobile banking, etc.) to the customer in step S102, it is further possible to receive the option information selected by the customer on the touch screen of the shared cash drawer. A cash withdrawal method without a card is used, and a reservation cash withdrawal response is returned for the subsequent step S104. For example, when a user chooses to withdraw cash without a card in the form of Alipay, a QR code can be returned on the touch screen of the shared cash cabinet for customers to scan the code to withdraw cash through Alipay.

S104: Receive the cardless cash withdrawal operation performed by the customer on the shared cash cabinet according to the cash withdrawal response, so as to realize the customer's cardless cash withdrawal.

In this embodiment, when receiving the cardless cash withdrawal method selected by the customer in the option information through step S103 (such as withdrawing cash through Alipay), and returning an appointment cash withdrawal response (such as returning a QR code on the touch screen of the shared cash cabinet) After that, it can further receive the cardless cash withdrawal operation performed by the customer on the shared cash cabinet according to the cash withdrawal response (such as using Alipay to scan the code to withdraw cash, etc.), and limit the customer to complete the cash withdrawal within a specified time to ensure the safety of the customer's funds.

To sum up, a method for cash withdrawal without a card provided by this embodiment firstly receives a request for cash withdrawal without a card sent by a terminal device, wherein the request without a card includes the information about the customer's reservation for cash withdrawal, and then, according to the information about the customer's reservation for cash withdrawal, through the shared cash cabinet Returns the option information of the cash withdrawal method without card, and then receives the cash withdrawal method without card selected by the customer in the option information, and returns the reservation cash withdrawal response. Cardless cash withdrawal for customers. It can be seen that the embodiment of the present application provides customers with the function of cash withdrawal without a card by adding online reservations and using a pre-installed shared cash cabinet nearby, so that the customer does not need to go to the bank counter or ATM machine to withdraw cash in person, saving the customer's cash withdrawal. time and improve the convenience for customers to withdraw cash.

Second Embodiment

This embodiment will introduce a device for withdrawing cash without a card. For related content, please refer to the foregoing method embodiment.

Referring to FIG. 2, it is a schematic diagram of the composition of a cardless cash withdrawal device provided in this embodiment, and the device includes:

a first receiving unit 201, configured to receive a card-free cash withdrawal request sent by a terminal device, where the card-free request includes information about a customer's reservation for cash withdrawal;

Returning unit 202, configured to return the option information of the cardless cash withdrawal method through the shared cash cabinet according to the information about the customer's reservation for cash withdrawal;

The second receiving unit 203 is configured to receive the cardless cash withdrawal method selected by the customer in the option information, and return a reservation cash withdrawal response;

The third receiving unit 204 is configured to receive the cardless cash withdrawal operation performed by the customer on the shared cash cabinet according to the cash withdrawal response, so as to realize the cardless cash withdrawal of the customer.

In an implementation manner of this embodiment, the shared cash cabinet is pre-installed in a preset position; the preset position includes a place that does not support the use of electronic payment for the time being.

In an implementation manner of this embodiment, the information about the customer's appointment to withdraw cash includes the location, time, and amount for cash withdrawal reserved by the customer; the device further includes:

A determining unit, configured to determine a shared cash cabinet that provides cash for the customer according to the cash withdrawal location, the cash withdrawal time and the cash withdrawal amount reserved by the customer.

In an implementation manner of this embodiment, the card-free request includes reservation information of the customer; then the device further includes:

A verification unit, configured to perform identity verification on the client according to the reservation information of the client.

To sum up, a cardless cash withdrawal device provided in this embodiment firstly receives a cardless cash withdrawal request sent by a terminal device, wherein the cardless request includes information about the customer's scheduled cash withdrawal, and then, according to the customer's scheduled cash withdrawal information, through the shared cash cabinet Returns the option information of the cash withdrawal method without card, and then receives the cash withdrawal method without card selected by the customer in the option information, and returns the reservation cash withdrawal response. Cardless cash withdrawal for customers. It can be seen that the embodiment of the present application provides customers with the function of cash withdrawal without a card by adding online reservations and using a pre-installed shared cash cabinet nearby, so that the customer does not need to go to the bank counter or ATM machine to withdraw cash in person, saving the customer's cash withdrawal. time and improve the convenience for customers to withdraw cash.

Further, an embodiment of the present application also provides a cardless cash withdrawal device, including: a processor, a memory, and a system bus;

The processor and the memory are connected through the system bus;

The memory is used to store one or more programs, and the one or more programs include instructions, and the instructions, when executed by the processor, cause the processor to execute any one of the above-mentioned methods for realizing cash withdrawal without a card .

Further, an embodiment of the present application further provides a computer-readable storage medium, where an instruction is stored in the computer-readable storage medium, and when the instruction is executed on a terminal device, the terminal device is made to execute the above cardless Any implementation method of the cashout method.

From the description of the above embodiments, those skilled in the art can clearly understand that all or part of the steps in the methods of the above embodiments can be implemented by means of software plus a necessary general hardware platform. Based on this understanding, the technical solutions of the present application can be embodied in the form of software products in essence or the parts that make contributions to the prior art, and the computer software products can be stored in storage media, such as ROM/RAM, magnetic disks , CD, etc., including several instructions for causing a computer device (which may be a personal computer, a server, or a network communication device such as a media gateway, etc.) to execute the various embodiments or parts of the embodiments of the present application. method.

It should be noted that the various embodiments in this specification are described in a progressive manner, and each embodiment focuses on the differences from other embodiments, and the same and similar parts between the various embodiments may be referred to each other. As for the device disclosed in the embodiment, since it corresponds to the method disclosed in the embodiment, the description is relatively simple, and the relevant part can be referred to the description of the method.

It should also be noted that in this document, relational terms such as first and second are used only to distinguish one entity or operation from another, and do not necessarily require or imply those entities or operations There is no such actual relationship or order between them. Moreover, the terms "comprising", "comprising" or any other variation thereof are intended to encompass a non-exclusive inclusion such that a process, method, article or device that includes a list of elements includes not only those elements, but also includes not explicitly listed or other elements inherent to such a process, method, article or apparatus. Without further limitation, an element qualified by the phrase "comprising a..." does not preclude the presence of additional identical elements in a process, method, article or apparatus that includes the element.

The above description of the disclosed embodiments enables any person skilled in the art to make or use the present application. Various modifications to these embodiments will be readily apparent to those skilled in the art, and the generic principles defined herein may be implemented in other embodiments without departing from the spirit or scope of the present application. Therefore, this application is not intended to be limited to the embodiments shown herein, but is to be accorded the widest scope consistent with the principles and novel features disclosed herein.

Claims (10)

1. A method for withdrawing cash without a card, wherein the method comprises: receiving a request for cash withdrawal without a card sent by the terminal device, where the request without a card includes information about the customer's reservation for cash withdrawal; According to the information about the customer's reservation for cash withdrawal, the option information of the cardless cash withdrawal method is returned through the shared cash cabinet; Receive the cardless cash withdrawal method selected by the customer in the option information, and return an appointment cash withdrawal response; Receiving the cardless cash withdrawal operation performed by the client on the shared cash cabinet according to the cash withdrawal response, and realizing the cardless cash withdrawal of the client. 2 . The method according to claim 1 , wherein the shared cash cabinet is pre-installed in a preset position; and the preset position includes a place that temporarily does not support the use of electronic payment. 3 . 3. The method according to claim 1, wherein the information about the customer's appointment to withdraw cash comprises the location, time and amount of cash that the customer reserves for withdrawing; Before returning the option information of the cardless cash withdrawal method through the shared cash box according to the information about the customer's cash withdrawal appointment, the method further includes: According to the cash withdrawal location, the cash withdrawal time and the cash withdrawal amount reserved by the customer, a shared cash cabinet that provides cash for the customer is determined. 4. The method according to claim 1, wherein the card-less request includes reservation information of the customer; Then, after receiving the cardless cash withdrawal request sent by the terminal device, the method further includes: The client is authenticated according to the client's reservation information. 5. A device for withdrawing cash without a card, comprising: a first receiving unit, configured to receive a card-free cash withdrawal request sent by the terminal device, where the card-free request includes information about the customer's reservation for cash withdrawal; The returning unit is used to return the option information of the cardless cash withdrawal method through the shared cash cabinet according to the information about the customer's reservation for cash withdrawal; a second receiving unit, configured to receive the cardless cash withdrawal method selected by the customer in the option information, and return a reservation cash withdrawal response; The third receiving unit is configured to receive the cardless cash withdrawal operation performed by the customer on the shared cash cabinet according to the cash withdrawal response, so as to realize the cardless cash withdrawal of the customer. 6 . The device according to claim 5 , wherein the shared cash cabinet is pre-installed in a preset position; and the preset position includes a place that temporarily does not support the use of electronic payment. 7 . 7 . The device according to claim 5 , wherein the information about the customer's reservation for cash withdrawal includes the location, time and amount for cash withdrawal reserved by the customer; the device further comprises: 8 . A determining unit, configured to determine a shared cash cabinet that provides cash for the customer according to the cash withdrawal location, the cash withdrawal time and the cash withdrawal amount reserved by the customer. 8. The apparatus according to claim 5, wherein the card-less request includes reservation information of the customer; then the apparatus further comprises: A verification unit, configured to perform identity verification on the client according to the reservation information of the client. 9. A cardless cash withdrawal device, comprising: a processor, a memory, and a system bus; The processor and the memory are connected through the system bus; The memory is used to store one or more programs, the one or more programs comprising instructions which, when executed by the processor, cause the processor to perform the process of any one of claims 1-4 method. 10. A computer-readable storage medium, characterized in that the computer-readable storage medium stores an instruction, when the instruction is executed on a terminal device, the terminal device is made to execute any one of claims 1-4 method described in item.

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