Method, device and system for supporting large amount of self-service withdrawal

Abstract

The invention discloses a method, a device and a system for supporting a large amount of self-service withdrawal. The withdrawal method comprises: (a) collecting information of an input bank card of a user on an automatic teller machine (ATM) and information of withdrawal including withdrawing amount, and the information is sent to a host computer of the bank; (b) the host computer of the bank deducting from the user account according to the information of the bank card and withdrawal, and sending the information of successful deduction to the ATM; (c) storing the withdrawing amount and the ready-for telling amount in a physical storage after the ATM receiving the information of successful deduction; (d) judging whether the n-th ready-for telling amount is larger than the maximum amount of the ATM, if so, telling the maximum amount; (e) updating the ready-for telling amount in the physical storage, step (d) is repeated until the final ready-for telling amount is less than or equal to the maximum amount, and the telling process is finished according to the final ready-for telling amount is carried out.

Description

technical field [0001] The invention relates to the field of bank self-service withdrawal processing, in particular to a self-service withdrawal device, system and self-service withdrawal method capable of large-amount self-service withdrawal. Background technique [0002] With the development of the economy, the demand for cash of bank card customers is also increasing. At present, some banks have raised the daily cash withdrawal limit of ATMs (self-service teller machines) from the previous 5,000 yuan to 20,000 yuan. Due to the hardware limitation of the cash-out equipment, modern ATMs, especially some ATMs with earlier design times, can only dispense less than 5,000 yuan at a time, and some old ATMs can only dispense 3,000 yuan at a time. The current ATM withdrawal process is as follows: [0003] Step 1: The cardholder presses the withdrawal button on the main menu interface of the ATM to enter the withdrawal operation interface. [0004] Step 2: The cardholder enters t...

AI Technical Summary

Problems solved by technology

[0014] 1. If the cardholder is not proficient in ATM operation or the cardholder is an elderly person with physical disabilities, the operation time will be greatly increased. In addition, the time for multiple transactions to wait for network transmission and host processing response will also be greatly increased. operating time, thereby reducing ATM usage;

[0015] 2. The system host processes a withdrawal transaction, regardless of the amount of the withdrawal transaction, the resources consumed are the same, so multiple transactions cause the system host to waste a lot of system resources and storage resources, and also cause the ATM to print paper for many times Withdrawal receipts cause waste;

[0016] 3. Multiple transactions will increase the burden on the network and increase the probability of network congestion. Once the network fails, the withdrawal transaction will be interrupted, and the cardholder will face the embarrassment of only getting a part of the money. This phenomenon is especially in areas with insufficient network infrastructure. common;

[0017] 4. If it is an inter-bank withdrawal, it needs to go through an intermediary agency such as UnionPay. The intermediary agency charges according to the number of transactions. Multiple transactions will result in multiple inter-bank handling fees, causing cardholders to pay repeatedly and reducing cardholder satisfaction. , and even lead to related lawsuits

[0018] Banks can solve the above problems by eliminating old ATMs and replacing them with better ATMs or by replacing relevant hardware devices. 50,000 yuan, then the ATM after replacement may still not be able to avoid the above problems

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