Medium-free cash business processing method and system
A cash business and processing method technology, applied in the field of medialess cash business processing methods and systems, can solve problems such as the inability to guarantee the security of user withdrawals, and achieve the effect of ensuring security and being convenient to use
Inactive Publication Date: 2015-01-07
CHINA CONSTRUCTION BANK
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Problems solved by technology
[0004] In view of this, the present application provides a method and system for processing a mediumless cash business, which is used to solve the problem that in the prior art, when the user does not carry the physical medium corresponding to the withdrawal, the user cannot withdraw while ensuring the security of the user's withdrawal. The problem of convenient and fast withdrawal
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[0056] The following will clearly and completely describe the technical solutions in the embodiments of the application with reference to the drawings in the embodiments of the application. Apparently, the described embodiments are only some of the embodiments of the application, not all of them. Based on the embodiments in this application, all other embodiments obtained by persons of ordinary skill in the art without making creative efforts belong to the scope of protection of this application.
[0057] The traditional withdrawal method is for the user to carry bank cards, storage, account books and other physical transaction media, and go to the bank's self-service equipment or counter to handle withdrawals. Once the user does not carry such transaction physical media, or the user uses a special-shaped card, it will not be possible. withdraw money. For this reason, the present application provides a method for processing a mediumless cash business.
[0058] see figure 1 ,...
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The invention discloses a medium-free cash business processing method and system. The method comprises receiving a medium-free withdrawal request transmitted by a user, which contains a withdrawal amount, a withdrawal password and a mobile phone number, wherein the user is a user who successfully logs on the e-bank, the mobile bank, the phone bank or the bank counter of an account to be withdrawn; querying whether the balance of the account to be withdrawn is larger than the withdrawal amount when determining that the medium-free withdrawal request is legal; if so, generating a withdrawal identification code and transmitting the withdrawal identification code to a terminal corresponding to the mobile phone number, wherein the withdrawal identification code is used for matching with the withdrawal password to serve as a withdrawal credential. According to the medium-free cash business processing method, the withdrawal identification code can be obtained via multiple ways, and the withdrawal identification codes can be obtained only when the e-banks and the like of accounts to be withdrawn are logged in, so that the safety can be ensured, and meanwhile, the aim of rapid medium-free withdrawal can be achieved, further user usage can be greatly facilitated.
Description
technical field [0001] The present application relates to the field of financial technology, and more specifically, relates to a method and system for processing a non-medium cash business. Background technique [0002] In the prior art, in order to ensure the safety of withdrawals by users, physical media such as bank cards and passbooks need to be provided when users withdraw withdrawals through bank counters or self-service devices. In reality, users often encounter situations such as not having a card, losing a card, or having a special-shaped card, which makes it impossible for the user to withdraw money. [0003] For this reason, the prior art lacks a solution that can not only ensure the safety of withdrawals for users, but also enable convenient withdrawals when the user does not carry a physical medium corresponding to withdrawals. Contents of the invention [0004] In view of this, the present application provides a method and system for processing a mediumless ...
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Inventor 姚芳薛红星李玉明曹海鹰廖宫燕雷曾荣李佳琪
Owner CHINA CONSTRUCTION BANK