Trading method and device for cardless cash withdrawal

A transaction method and transaction device technology, applied in data processing applications, protocol authorization, finance, etc., can solve problems such as inability to withdraw cash across banks, and achieve the effect of improving user experience
CN104574178AInactive Publication Date: 2015-04-29ZTE CORP
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Patent Information

Authority / Receiving Office
CN · China
Patent Type
Applications(China)
Current Assignee / Owner
ZTE CORP
Publication Date
2015-04-29
Estimated Expiration
Not applicable · inactive patent

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Abstract

A transaction method and device for cardless cash withdrawal. When a cardless withdrawal reservation request of a user is received by a first bank server, same determines whether or not the reservation request is an interbank cardless cash withdrawal request and satisfies a cardless cash withdrawal criterion, when the reservation request is an interbank cardless cash withdrawal request and satisfies the cardless cash withdrawal criterion, determines a second bank server corresponding to bank identification information in the reservation request, and notifies the second bank server of cardless cash withdrawal information, thus allowing the second bank server to authorize a terminal controlled thereby to accept the cardless cash withdrawal made by the user. This implements interbank cardless cash withdrawal, and facilitates the user to make promptly a cardless cash withdrawal operation at a cash withdrawal terminal that is nearest in an area where self is located, thus enhancing user experience.
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Description

technical field

[0001] The invention relates to the field of bank transactions, in particular to a transaction method and device for cash withdrawal without a card. Background technique

[0002] In daily life, everyone has applied for a lot of bank cards, which is very inconvenient to manage, and problems such as loss and damage will occur when they are often carried on the body. However, it is very inconvenient when you need to use money without your bank card. Cardless withdrawal came into being under this background.

[0003] Most of the current cardless cash withdrawal services are reserved through mobile banking. With the mobile phone number, reservation number, random password sent by the bank and other information, you can go to the cash withdrawal terminal of your bank within the valid reservation period to perform cardless cash withdrawal. For example, Ping An Bank, after the cardholder opens the mobile banking service, pre-books a cash withdrawal without a card t...

Claims

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