Cash withdrawal transaction method, acquiring bank server and system

Abstract

The present invention provides a cash withdrawal transaction method, an acquiring bank server and a system, which can be used in the financial field or other technical fields. The method comprises: receiving a cash withdrawal transaction request sent by a first terminal, the cash withdrawal transaction request including a withdrawal identifier and a withdrawal amount; if it is determined that the withdrawal identifier belongs to the acquiring bank, obtaining the withdrawal agreement information according to the withdrawal identifier query, and generating a transaction number; sending a cash withdrawal transaction confirmation request to a second terminal corresponding to a reserved mobile phone number; wherein the cash withdrawal transaction confirmation request includes the transaction number and the withdrawal amount; if the withdrawal confirmation information returned by the second terminal is received, sending a cash withdrawal transaction instruction to the first terminal to complete the cash withdrawal transaction; wherein the cash withdrawal transaction instruction includes the transaction number and the withdrawal amount. The device is used to execute the above method. The cash withdrawal transaction method and device provided by the embodiment of the present invention improve the efficiency of cash withdrawal.

Description

Technical Field

[0001] The present invention relates to the field of financial technology, and in particular to a cash withdrawal transaction method, an acquiring bank server and a system. Background Art

[0002] With the rapid development of mobile payment technology, more and more people use mobile payment methods to conduct transactions, but the use of cash still exists in real life.

[0003] At present, people still need cash in a large number of scenarios and will exist for a long time. When they need cash, they usually go to bank branches or self-service teller machines to withdraw cash. However, due to the differences in the distribution of bank branches and self-service teller machines in different regions, especially for some small and medium-sized banks and foreign banks, the number of bank branches and self-service teller machines is small. In some underdeveloped counties and towns, there are even fewer bank branches and self-service teller machines, which brings inconvenience to people's cash withdrawal. In addition, some customers who are not used to or cannot use mobile banking and self-service teller machines also face difficulties in cash withdrawal.

[0004] Therefore, how to propose a convenient and safe cash withdrawal method has become an important issue that needs to be solved in this field. Summary of the invention

[0005] In view of the problems in the prior art, the embodiments of the present invention provide a cash withdrawal transaction method, an acquiring bank server and a system, which can at least partially solve the problems in the prior art.

[0006] In a first aspect, the present invention provides a cash withdrawal transaction method, comprising:

[0007] Receiving a cash withdrawal transaction request sent by the first terminal, wherein the cash withdrawal transaction request includes a withdrawal identifier and a withdrawal amount;

[0008] If it is determined that the withdrawal identification belongs to the acquiring bank, the withdrawal agreement information is obtained according to the withdrawal identification, and a transaction number is generated; wherein the withdrawal agreement information includes a reserved mobile phone number;

[0009] Sending a cash withdrawal transaction confirmation request to a second terminal corresponding to the reserved mobile phone number; wherein the cash withdrawal transaction confirmation request includes the transaction number and the withdrawal amount;

[0010] If the withdrawal confirmation information returned by the second terminal is received, a cash withdrawal transaction instruction is sent to the first terminal to complete the cash withdrawal transaction; wherein the cash withdrawal transaction instruction includes the transaction number and the withdrawal amount.

[0011] In a second aspect, the present invention further provides a cash withdrawal transaction method, comprising:

[0012] Receiving a cash withdrawal transaction request sent by the first terminal, wherein the cash withdrawal transaction request includes a withdrawal identifier and a withdrawal amount;

[0013] If it is determined that the withdrawal identifier does not belong to the acquiring bank, a withdrawal query request is sent to a third-party server; wherein the withdrawal query request includes the withdrawal identifier;

[0014] Receiving a withdrawal query result returned by the third-party server, wherein the withdrawal query result includes a reserved mobile phone number corresponding to the withdrawal identifier and a bank account opening bank of the withdrawal customer;

[0015] Generate a transaction number and send a cash withdrawal transaction confirmation request to the second terminal corresponding to the reserved mobile phone number through the server of the withdrawal customer's bank account opening bank; wherein the cash withdrawal transaction confirmation request includes the transaction number and the withdrawal amount;

[0016] If the withdrawal confirmation information is received, a cash withdrawal transaction instruction is sent to the first terminal to complete the cash withdrawal transaction; wherein the withdrawal confirmation information is sent by the second terminal to the server of the bank where the withdrawal customer opens an account and forwarded by the server of the bank where the withdrawal customer opens an account; the cash withdrawal transaction instruction includes the transaction number and the withdrawal amount.

[0017] In a third method, the present invention provides an acquiring bank server, comprising:

[0018] A first receiving unit, configured to receive a cash withdrawal transaction request sent by a first terminal, wherein the cash withdrawal transaction request includes a withdrawal identifier and a withdrawal amount;

[0019] A query unit, for obtaining the withdrawal agreement information according to the withdrawal identity and generating a transaction number after determining that the withdrawal identity belongs to the acquiring bank; wherein the withdrawal agreement information includes a reserved mobile phone number;

[0020] A first sending unit is used to send a cash withdrawal transaction confirmation request to a second terminal corresponding to the reserved mobile phone number; wherein the cash withdrawal transaction confirmation request includes the transaction number and the withdrawal amount;

[0021] The first withdrawal instruction unit is used to send a cash withdrawal transaction instruction to the first terminal after receiving the withdrawal confirmation information returned by the second terminal to complete the cash withdrawal transaction; wherein the cash withdrawal transaction instruction includes the transaction number and the withdrawal amount.

[0022] In a fourth aspect, the present invention further provides an acquiring bank server, comprising:

[0023] A second receiving unit is used to receive a cash withdrawal transaction request sent by the first terminal, wherein the cash withdrawal transaction request includes a withdrawal identifier and a withdrawal amount;

[0024] A second sending unit is used to send a withdrawal query request to a third-party server after determining that the withdrawal identifier does not belong to the acquiring bank; wherein the withdrawal query request includes the withdrawal identifier;

[0025] A third receiving unit is used to receive a withdrawal query result returned by the third-party server, wherein the withdrawal query result includes a reserved mobile phone number corresponding to the withdrawal identifier and a bank account opening bank of the withdrawal customer;

[0026] A generating unit, configured to generate a transaction number and send a cash withdrawal transaction confirmation request to a second terminal corresponding to the reserved mobile phone number through the bank where the withdrawal customer opens an account; wherein the cash withdrawal transaction confirmation request includes the transaction number and the withdrawal amount;

[0027] The second withdrawal instruction unit is used to send a cash withdrawal transaction instruction to the first terminal after receiving the withdrawal confirmation information to facilitate the completion of the cash withdrawal transaction; wherein the withdrawal confirmation information is sent by the second terminal to the server of the withdrawal customer's bank opening account and forwarded by the server of the withdrawal customer's bank opening account; the cash withdrawal transaction instruction includes the transaction number and the withdrawal amount.

[0028] In a fifth aspect, the present invention provides a cash withdrawal transaction system, comprising the acquiring bank server, the first terminal and the second terminal as described in any of the above embodiments, wherein: the first terminal is communicatively connected to the acquiring bank server, and the acquiring bank server is wirelessly connected to the second terminal.

[0029] In a sixth aspect, the present invention provides a cash withdrawal transaction system, comprising the acquiring bank server, the first terminal, the second terminal, the withdrawal customer account opening bank server and the third-party server as described in any one of the above embodiments, wherein:

[0030] The first terminal is connected to the acquiring bank server by communication, the second terminal is connected to the withdrawal customer's account opening bank server by wireless communication, and the acquiring bank server, the withdrawal customer's account opening bank server and the third-party server are connected via a financial clearing network.

[0031] In a seventh aspect, the present invention provides an electronic device comprising a memory, a processor, and a computer program stored in the memory and executable on the processor, wherein the processor implements the steps of the cash withdrawal transaction method described in any of the above embodiments when executing the program.

[0032] In an eighth aspect, the present invention provides a computer-readable storage medium having a computer program stored thereon, which, when executed by a processor, implements the steps of the cash withdrawal transaction method described in any of the above embodiments.

[0033] The cash withdrawal transaction method, acquiring bank server and system provided by the embodiments of the present invention can receive a cash withdrawal transaction request sent by a first terminal, and after determining that the withdrawal identifier belongs to the acquiring bank, obtain the withdrawal agreement information based on the withdrawal identifier query, generate a transaction number, and send a cash withdrawal transaction confirmation request to the second terminal corresponding to the reserved mobile phone number. If the withdrawal confirmation information returned by the second terminal is received, a cash withdrawal transaction instruction is sent to the first terminal to complete the cash withdrawal transaction. The cash withdrawal transaction can be completed conveniently, thereby improving the efficiency of cash withdrawal. BRIEF DESCRIPTION OF THE DRAWINGS

[0034] In order to more clearly illustrate the embodiments of the present invention or the technical solutions in the prior art, the following briefly introduces the drawings required for use in the embodiments or the prior art descriptions. Obviously, the drawings described below are only some embodiments of the present invention. For ordinary technicians in this field, other drawings can be obtained based on these drawings without creative work. In the drawings:

[0035] Figure 1 It is a schematic diagram of the structure of a cash withdrawal transaction system provided by the first embodiment of the present invention.

[0036] Figure 2 It is a flow chart of a cash withdrawal transaction method provided in the second embodiment of the present invention.

[0037] Figure 3 It is a flow chart of the cash withdrawal transaction method provided in the third embodiment of the present invention.

[0038] Figure 4 It is a schematic diagram of the structure of a cash withdrawal transaction system provided in the fourth embodiment of the present invention.

[0039] Figure 5 It is a flowchart of a cash withdrawal transaction method provided in the fifth embodiment of the present invention.

[0040] Figure 6 It is a flow chart of the cash withdrawal transaction method provided in the sixth embodiment of the present invention.

[0041] Figure 7 It is a schematic diagram of the process of applying for registration of a withdrawal identification provided by the seventh embodiment of the present invention.

[0042] Figure 8 It is a schematic diagram of the structure of an acquiring bank server provided in the eighth embodiment of the present invention.

[0043] Fig. 9 It is a schematic diagram of the structure of an acquiring bank server provided in the ninth embodiment of the present invention.

[0044] Fig.10 It is a schematic diagram of the structure of an acquiring bank server provided in the tenth embodiment of the present invention.

[0045] Fig.11 It is a schematic diagram of the structure of an acquiring bank server provided in the eleventh embodiment of the present invention.

[0046] Fig.12 It is a schematic diagram of the physical structure of an electronic device provided in the twelfth embodiment of the present invention. DETAILED DESCRIPTION

[0047] In order to make the purpose, technical scheme and advantages of the embodiments of the present invention more clear, the embodiments of the present invention are further described in detail below in conjunction with the accompanying drawings. Here, the illustrative embodiments of the present invention and their descriptions are used to explain the present invention, but are not intended to limit the present invention. It should be noted that, in the absence of conflict, the embodiments in this application and the features in the embodiments can be combined with each other arbitrarily.

[0048] In order to facilitate understanding of the technical solution provided by this application, the relevant contents of the technical solution of this application are first explained below.

[0049] In real life, on the one hand, due to the uneven distribution of bank outlets and ATMs, it is inconvenient for customers to withdraw money, especially for small and medium-sized banks and foreign banks, where the number of bank outlets and ATMs is even smaller. In addition, in many counties and towns, there are fewer bank outlets and ATMs, which brings inconvenience to customers to withdraw money.

[0050] On the other hand, various merchants closely related to people's lives are widely distributed. Wherever there are people, there are merchants. Merchants often need to deposit the collected cash in banks regularly or irregularly. There is a risk of loss when carrying cash to the bank, and it wastes time and energy.

[0051] In addition, in order to meet customers' cash needs, banks have set up a large number of bank branches and self-service teller machines to provide cash withdrawal services, which has increased the banks' fixed asset investment costs for self-service teller equipment, branch equipment maintenance costs, and cash operating costs.

[0052] Therefore, the embodiment of the present invention provides a cash withdrawal transaction method, and banks can cooperate with widely distributed merchants, and merchants provide cash withdrawal services to customers. The funds withdrawn by customers are transferred to the bank accounts of merchants through the bank accounts of customers, so that merchants can reduce or even do not need to go to banks to save excess cash, and customers do not need to go to bank branches or automatic teller machines to withdraw cash, but can withdraw cash at nearby merchants. Due to the wide distribution of merchants, cash withdrawal by customers is greatly convenient. For banks, the investment in bank branches and automatic teller machines can be reduced, and the cash operating costs of banks can be reduced.

[0053] Figure 1 FIG. 1 is a schematic diagram of a cash withdrawal transaction system provided by an embodiment of the present invention. Figure 1 As shown, the cash withdrawal transaction system provided by the embodiment of the present invention includes an acquiring bank server 1, a first terminal 2 and a second terminal 3, wherein:

[0054] The acquiring bank server 1 can be connected to the first terminal 2 by wired communication or wireless communication, and the acquiring bank server 1 is connected to the second terminal 3 by wireless communication. The first terminal 2 is used to initiate a cash withdrawal transaction request, the acquiring bank server 1 is used to execute the cash withdrawal transaction method provided in the embodiment of the present invention, and the second terminal 3 is used to confirm the cash withdrawal transaction. Among them, the first terminal 2 can adopt a merchant terminal such as a desktop computer, a laptop computer, a smart phone, a tablet computer, etc., which is owned by the merchant; the second terminal 3 can adopt a mobile terminal such as a mobile phone, which is owned by the customer. Among them, the customer refers to an individual or unit that has opened a savings account in a bank, and the merchant refers to a merchant with a physical business location, including but not limited to hotels, restaurants, bars, supermarkets, canteens, barber shops, bookstores, fruit shops, etc. The acquiring bank server 1 is the server of the merchant's acquiring bank, and can also be the server of the customer's account opening bank.

[0055] Figure 2 FIG. 1 is a flow chart of a cash withdrawal transaction method provided by an embodiment of the present invention. Figure 2 As shown, the cash withdrawal transaction method provided by the embodiment of the present invention includes:

[0056] S201, receiving a cash withdrawal transaction request sent by a first terminal, wherein the cash withdrawal transaction request includes a withdrawal identifier and a withdrawal amount;

[0057] Specifically, the first terminal may send a cash withdrawal transaction request to the acquiring bank server, and the cash withdrawal transaction request may include a withdrawal identifier and a withdrawal amount. The acquiring bank server will receive the cash withdrawal transaction request. The withdrawal identifier is obtained by the withdrawal customer from a bank or a third-party institution, and the withdrawal identifier corresponds to the customer's bank account number and the mobile phone number reserved by the customer at the bank. The cash withdrawal transaction request may also include a currency and a receiving account number.

[0058] For example, if customer A needs cash, he can bring his mobile phone F to merchant B and tell merchant B that he wants to withdraw cash through merchant B. Merchant B can ask customer A to obtain customer A's withdrawal ID, and then merchant B logs in to merchant B's mobile banking through tablet computer C, selects the cash withdrawal function, enters customer A's withdrawal ID and withdrawal amount, and then sends a cash withdrawal transaction request to the acquiring bank server through tablet computer C, the cash withdrawal transaction request includes customer A's withdrawal ID and withdrawal amount. Customer A's account opening bank and merchant B's acquiring bank are the same bank.

[0059] S202: if it is determined that the withdrawal identifier belongs to the acquiring bank, the withdrawal agreement information is obtained according to the withdrawal identifier, and a transaction number is generated; wherein the withdrawal agreement information includes a reserved mobile phone number;

[0060] Specifically, after receiving the cash withdrawal transaction request, the acquiring bank server obtains a withdrawal identifier from the cash withdrawal transaction request, and then determines whether the withdrawal identifier belongs to the acquiring bank. If it belongs to the acquiring bank, it will query the withdrawal identifier to obtain the withdrawal agreement information corresponding to the withdrawal identifier, and generate a transaction number for the cash withdrawal transaction request, and the transaction number is used to identify the cash withdrawal transaction. The withdrawal agreement information includes information such as a reserved mobile phone number and a withdrawal account number, which is set according to actual needs and is not limited in the embodiment of the present invention.

[0061] For example, the acquiring bank server can query whether there is an identical withdrawal identifier in the database based on the withdrawal identifier. If so, the withdrawal identifier is applied for by the bank corresponding to the acquiring bank server, and the withdrawal identifier belongs to the acquiring bank. Alternatively, the withdrawal identifier includes a bank identification bit, and the acquiring bank server can obtain the bank identification bit from the withdrawal identifier. If the bank identification bit in the withdrawal identifier is the same as the bank identification bit of the bank corresponding to the acquiring bank server, then the withdrawal identifier is applied for by the bank corresponding to the acquiring bank server, and the withdrawal identifier belongs to the acquiring bank. Among them, the bank identification bit corresponds to the bank one-to-one. The withdrawal identifier corresponds to the bank identification bit one-to-one.

[0062] S203, sending a cash withdrawal transaction confirmation request to the second terminal corresponding to the reserved mobile phone number; wherein the cash withdrawal transaction confirmation request includes the transaction number and the withdrawal amount;

[0063] Specifically, after obtaining the reserved mobile phone number, the acquiring bank server will send a cash withdrawal transaction confirmation request to the second terminal corresponding to the reserved mobile phone number, and the second terminal will display the cash withdrawal transaction confirmation request, which includes the transaction number and the withdrawal amount. After viewing the cash withdrawal transaction confirmation request displayed by the second terminal, the customer will confirm the cash withdrawal transaction confirmation request, and after receiving the customer's cash withdrawal transaction confirmation request, the second terminal will send withdrawal confirmation information to the acquiring bank server.

[0064] S204. If the withdrawal confirmation information returned by the second terminal is received, a cash withdrawal transaction instruction is sent to the first terminal to complete the cash withdrawal transaction; wherein the cash withdrawal transaction instruction includes the transaction number and the withdrawal amount.

[0065] Specifically, if the acquiring bank server receives the withdrawal confirmation information returned by the second terminal, it will send a cash withdrawal transaction instruction to the first terminal, and the first terminal will receive and display the cash withdrawal transaction instruction. After checking the cash withdrawal transaction instruction, the merchant corresponding to the first terminal will pay cash to the customer according to the withdrawal amount included in the cash withdrawal transaction instruction, thereby completing the cash withdrawal transaction. The cash withdrawal transaction instruction may include a transaction number, and the merchant may require the customer to provide the transaction number. When the transaction number provided by the customer is the same as the transaction number included in the cash withdrawal transaction instruction, the merchant will pay cash to the customer to ensure the accuracy of the cash withdrawal transaction.

[0066] For example, the acquiring bank server sends a cash withdrawal transaction confirmation request with transaction number X-001 and withdrawal amount of 500 to mobile phone F in the form of a text message. The text message displayed on mobile phone F is "Dear customer, you applied for a withdrawal of 500 yuan at 18:00 on XX day, and the transaction number is X-001; please confirm whether to withdraw the money. If you confirm the withdrawal, please reply Y; if you do not withdraw the money, please reply N". Customer A checks the above text message content displayed on mobile phone F. After confirming that the withdrawal amount is correct, he can reply with the message "Y". Mobile phone F sends the message "Y" to the acquiring bank server as withdrawal confirmation information. If customer A replies with the message "N". Mobile phone F will send the message "N" to the acquiring bank server as a withdrawal cancellation instruction message. If the acquiring bank server receives the withdrawal cancellation instruction message, it can send a transaction failure prompt to mobile phone F and tablet computer C to prompt customer A and merchant B that the cash withdrawal transaction has failed.

[0067] The cash withdrawal transaction method provided by the embodiment of the present invention receives a cash withdrawal transaction request sent by a first terminal, and after determining that the withdrawal identifier belongs to an acquiring bank, obtains the withdrawal agreement information based on the withdrawal identifier query, generates a transaction number, and sends a cash withdrawal transaction confirmation request to a second terminal corresponding to a reserved mobile phone number. If the withdrawal confirmation information returned by the second terminal is received, a cash withdrawal transaction instruction is sent to the first terminal to complete the cash withdrawal transaction. The cash withdrawal transaction can be completed conveniently, thereby improving the efficiency of cash withdrawal.

[0068] On the basis of the above embodiments, further, the withdrawal agreement information also includes a withdrawal account number corresponding to the withdrawal identifier, and the cash withdrawal transaction method provided by the embodiment of the present invention also includes:

[0069] Initiate a transfer request to transfer the funds corresponding to the withdrawal amount from the withdrawal account to the receiving account; wherein the cash transaction request includes the receiving account.

[0070] Specifically, the withdrawal agreement information also includes a withdrawal account corresponding to the withdrawal identifier, and the cash transaction request may include a receiving account. The acquiring bank server may initiate a transfer request to transfer funds corresponding to the withdrawal amount from the withdrawal account to the receiving account. The cash transaction request includes the receiving account. The transfer request may be initiated in real time or in a delayed manner, and is set according to actual needs, and is not limited in the embodiments of the present invention.

[0071] On the basis of the above embodiments, further, the cash withdrawal transaction request is sent after being encrypted and signed.

[0072] Specifically, in order to ensure the security of information transmission, the cash withdrawal transaction request is sent after being encrypted and signed. After receiving the encrypted and signed cash withdrawal transaction request, the acquiring bank server can decrypt the encrypted and signed cash withdrawal transaction request according to the public key of the encrypted signature.

[0073] Figure 3 is a flow chart of a cash withdrawal transaction method provided by the third embodiment of the present invention, such as Figure 3 As shown, the process of the cash withdrawal transaction method provided by the embodiment of the present invention is as follows:

[0074] The first step is to send a cash withdrawal transaction request. The first terminal sends a cash withdrawal transaction request to the acquiring bank server. The cash withdrawal transaction request may include a withdrawal identifier, a withdrawal amount, and a receiving account number.

[0075] Step 2: Query the information corresponding to the withdrawal ID. After receiving the cash withdrawal transaction request, the acquiring bank server can query the reserved mobile phone number and withdrawal account number corresponding to the withdrawal ID according to the withdrawal ID, and generate a transaction number for the cash withdrawal transaction. The transaction number uniquely corresponds to the cash withdrawal transaction.

[0076] Step 3: Send a cash withdrawal transaction confirmation request. The acquiring bank server sends a cash withdrawal transaction confirmation request to the second terminal corresponding to the reserved mobile phone number. After the customer views the cash withdrawal transaction confirmation request at the second terminal, he can confirm the cash withdrawal transaction confirmation request.

[0077] Step 4: Returning withdrawal confirmation information: After the customer confirms the cash withdrawal transaction confirmation request, the second terminal returns withdrawal confirmation information to the acquiring bank server.

[0078] Step 5: Initiate a transfer request. The acquiring bank server can initiate a transfer request to transfer the funds corresponding to the withdrawal amount from the withdrawal account to the receiving account.

[0079] Step 6: Send cash withdrawal transaction instructions. The acquiring bank server sends a cash withdrawal transaction instruction to the first terminal. After checking the cash withdrawal transaction instruction, the merchant can give the cash corresponding to the withdrawal amount to the customer to complete the cash withdrawal transaction.

[0080] The transfer request initiated by the acquiring bank server may be initiated in real time or delayed. In order to avoid financial risks, the acquiring bank server may query the balance of the withdrawal account before sending the cash withdrawal transaction instruction. The cash withdrawal transaction instruction will be sent only when the balance of the withdrawal account is greater than or equal to the withdrawal amount. Otherwise, when the balance of the withdrawal account is less than the withdrawal amount, the acquiring bank server will not send the cash withdrawal transaction instruction, and may feedback a prompt message of insufficient balance of the withdrawal account to the second terminal.

[0081] Figure 4 is a schematic diagram of the structure of a cash withdrawal transaction system provided by a fourth embodiment of the present invention. Figure 4 As shown, the cash withdrawal transaction system provided by the embodiment of the present invention includes a first terminal 100, a second terminal 200, an acquiring bank server 300, a withdrawal customer account opening bank server 400 and a third-party server 500, wherein:

[0082] The first terminal 100 is connected to the acquiring bank server 300, the second terminal 200 is connected to the bank server 400 of the withdrawal customer via wireless communication, and the acquiring bank server 300, the bank server 400 of the withdrawal customer and the third-party server 500 are connected via a financial clearing network. The first terminal 100 can be a merchant terminal such as a desktop, a laptop, a smart phone, a tablet computer, etc., which is owned by the merchant; the second terminal 3 can be a mobile terminal such as a mobile phone, which is owned by the customer who withdraws money.

[0083] The first terminal 100 sends a cash withdrawal transaction request to the acquiring bank server 300 , wherein the cash withdrawal transaction request includes a withdrawal identifier, a receiving account number and a withdrawal amount.

[0084] The acquiring bank server 300 receives the cash withdrawal transaction request, obtains the withdrawal ID from it, and then queries the withdrawal ID to obtain the reserved mobile phone number and withdrawal account number corresponding to the withdrawal ID. The withdrawal account number and the receiving account number are accounts of different banks. The reserved mobile phone number corresponds to the first terminal 100.

[0085] The acquiring bank server 300 is used to execute the cash withdrawal transaction method provided in the embodiment of the present invention. The acquiring bank server 300 can send a cash withdrawal transaction confirmation request to the second terminal 200, and if the withdrawal confirmation information returned by the second terminal 200 is received, then send a cash withdrawal transaction instruction to the first terminal 100 so that the merchant can pay the customer the cash corresponding to the withdrawal amount.

[0086] Among them, the third-party server 500 can be a server of an inter-bank remittance intermediary institution. On the one hand, it can receive the application for withdrawal identification submitted by the customer through the bank, and provide the bank with a query interface for the withdrawal identification. The corresponding customer name, withdrawal account number, reserved mobile phone number and other information can be queried through the withdrawal identification. On the other hand, it can realize the clearing of inter-bank transfers.

[0087] When applying for a withdrawal identification, the customer can provide the customer's bank account number, the customer's reserved mobile phone number at the bank, the customer's identity information and other information as application information. After receiving the customer's application information, the third-party server 500 will generate a unique withdrawal identification for the customer, and then correspond the withdrawal identification with the customer's bank account number, the customer's reserved mobile phone number at the bank, the customer's identity information and other information. Among them, the customer's bank account number will be used as the customer's withdrawal account number. The customer's identity information includes, but is not limited to, information such as ID card number and passport number.

[0088] Figure 5 is a flow chart of a cash withdrawal transaction method provided by a fifth embodiment of the present invention, such as Figure 5 As shown, the cash withdrawal transaction method provided by the embodiment of the present invention includes:

[0089] S501, receiving a cash withdrawal transaction request sent by a first terminal, wherein the cash withdrawal transaction request includes a withdrawal identifier and a withdrawal amount;

[0090] Specifically, the first terminal may send a cash withdrawal transaction request to the acquiring bank server, and the cash withdrawal transaction request may include a withdrawal identifier and a withdrawal amount. The acquiring bank server will receive the cash withdrawal transaction request. The withdrawal identifier is applied for and obtained by an institution corresponding to the third-party server of the withdrawal customer, and the withdrawal identifier corresponds to the customer's bank account number and the mobile phone number reserved by the customer in the bank. The cash withdrawal transaction request may also include a currency and a receiving account number.

[0091] S502: If it is determined that the withdrawal identifier does not belong to the acquiring bank, a withdrawal query request is sent to a third-party server; wherein the withdrawal query request includes the withdrawal identifier;

[0092] Specifically, after receiving the cash withdrawal transaction request, the acquiring bank server obtains a withdrawal identifier from the cash withdrawal transaction request, and then determines whether the withdrawal identifier belongs to the acquiring bank. If it does not belong to the acquiring bank, a withdrawal query request is sent to a third-party server, and the withdrawal query request includes the withdrawal identifier. After receiving the withdrawal query request, the third-party server queries the reserved mobile phone number and the bank where the withdrawal customer opens an account corresponding to the withdrawal identifier based on the withdrawal identifier, and then carries the reserved mobile phone number and the bank where the withdrawal customer opens an account corresponding to the withdrawal identifier in the withdrawal query result and returns it to the acquiring bank server.

[0093] For example, the acquiring bank server can query whether there is an identical withdrawal identifier in the database based on the withdrawal identifier. If not, it means that the withdrawal identifier is not applied for through the bank corresponding to the acquiring bank server, and the withdrawal identifier does not belong to the acquiring bank. Alternatively, the withdrawal identifier includes a bank identification bit, and the acquiring bank server can obtain the bank identification bit from the withdrawal identifier. If the bank identification bit in the withdrawal identifier is different from the bank identification bit of the bank corresponding to the acquiring bank server, then the withdrawal identifier is not applied for through the bank corresponding to the acquiring bank server, and the withdrawal identifier does not belong to the acquiring bank. Among them, the bank identification bit corresponds to the bank one-to-one. The withdrawal identifier corresponds to the bank identification bit one-to-one.

[0094] S503, receiving a withdrawal query result returned by the third-party server, wherein the withdrawal query result includes a reserved mobile phone number corresponding to the withdrawal identifier and a bank account opening bank of the withdrawal customer;

[0095] Specifically, the acquiring bank server will receive the withdrawal query result returned by the third-party server, and the withdrawal query result includes the reserved mobile phone number corresponding to the withdrawal identifier and the bank where the withdrawal customer opens an account.

[0096] S504, generating a transaction number and sending a cash withdrawal transaction confirmation request to the second terminal corresponding to the reserved mobile phone number through the server of the withdrawal customer's bank; wherein the cash withdrawal transaction confirmation request includes the transaction number and the withdrawal amount;

[0097] Specifically, the acquiring bank server generates a transaction number for the cash withdrawal transaction request, and the transaction number is used to identify the cash withdrawal transaction. The acquiring bank server sends a withdrawal assistance confirmation request to the withdrawal customer's account opening bank server, and the withdrawal assistance confirmation request includes a cash withdrawal transaction confirmation request and the reserved mobile phone number. After receiving the withdrawal assistance confirmation request, the withdrawal customer's account opening bank server sends the cash withdrawal transaction confirmation request to the second terminal corresponding to the reserved mobile phone number. Among them, the cash withdrawal transaction confirmation request includes the transaction number and the withdrawal amount.

[0098] S505. If a withdrawal confirmation message is received, a cash withdrawal transaction instruction is sent to the first terminal to complete the cash withdrawal transaction; wherein the withdrawal confirmation message is sent by the second terminal to the server of the bank where the withdrawal customer opens an account and forwarded by the server of the bank where the withdrawal customer opens an account; the cash withdrawal transaction instruction includes the transaction number and the withdrawal amount.

[0099] Specifically, the second terminal will display the cash withdrawal transaction confirmation request, which includes the transaction number and the withdrawal amount. After checking the cash withdrawal transaction confirmation request displayed by the second terminal, the customer will confirm the cash withdrawal transaction confirmation request and send the withdrawal confirmation information to the withdrawal customer's account opening bank server through the second terminal. After receiving the withdrawal confirmation information, the withdrawal customer's account opening bank server will send the withdrawal confirmation information to the acquiring bank server. After receiving the withdrawal confirmation information, the acquiring bank server will send a cash withdrawal transaction instruction to the first terminal, and the first terminal will receive and display the cash withdrawal transaction instruction. After checking the cash withdrawal transaction instruction, the staff of the merchant corresponding to the first terminal will pay cash to the customer according to the withdrawal amount included in the cash withdrawal transaction instruction, thereby completing the cash withdrawal transaction. The cash withdrawal transaction instruction may include a transaction number, and the merchant may require the customer to provide a transaction number. When the transaction number provided by the customer is the same as the transaction number included in the cash withdrawal transaction instruction, the merchant will pay cash to the customer to ensure the accuracy of the cash withdrawal transaction.

[0100] The cash withdrawal transaction method provided by the embodiment of the present invention can receive a cash withdrawal transaction request sent by a first terminal, and after determining that the withdrawal identification does not belong to an acquiring bank, send a withdrawal query request to a third-party server, receive the withdrawal query result returned by the third-party server, generate a transaction number, and send a cash withdrawal transaction confirmation request to a second terminal corresponding to a reserved mobile phone number through the withdrawal customer's account opening bank server, and after receiving the withdrawal confirmation information, send a cash withdrawal transaction instruction to the first terminal to complete the cash withdrawal transaction. The cash withdrawal transaction can be completed conveniently, thereby improving the efficiency of cash withdrawal.

[0101] On the basis of the above embodiments, further, the withdrawal query result also includes a withdrawal account number; accordingly, the cash withdrawal transaction method provided by the embodiment of the present invention also includes:

[0102] Initiate a transfer request to transfer the funds corresponding to the withdrawal amount from the withdrawal account to the receiving account; wherein the cash transaction request includes the receiving account.

[0103] Specifically, the withdrawal query result also includes the withdrawal account corresponding to the withdrawal identifier, and the cash transaction request may include the receiving account. The acquiring bank server may send a transfer request to the withdrawal customer account opening bank server so as to transfer the funds corresponding to the withdrawal amount from the withdrawal account to the receiving account, and the transfer request includes the receiving account, the withdrawal account and the withdrawal amount. After receiving the transfer request, the withdrawal customer account opening bank server will transfer funds to the withdrawal account, and then remit the funds of the withdrawal amount to the receiving account, and the withdrawal customer account opening bank server may send a transfer prompt message to the second terminal. The acquiring bank server will credit the funds of the withdrawal amount to the receiving account. Among them, the cash transaction request includes the receiving account. Among them, the transfer request can be initiated in real time or deferred, and is set according to actual needs, which is not limited in the embodiment of the present invention. On the basis of the above embodiments, further, the cash withdrawal transaction request is sent after being encrypted and signed.

[0104] Specifically, in order to ensure the security of information transmission, the cash withdrawal transaction request is sent after being encrypted and signed. After receiving the encrypted and signed cash withdrawal transaction request, the acquiring bank server can decrypt the encrypted and signed cash withdrawal transaction request according to the public key of the encrypted signature.

[0105] Figure 6 : is a flow chart of a cash withdrawal transaction method provided by a sixth embodiment of the present invention, such as Figure 6As shown, the process of the cash withdrawal transaction method provided by the embodiment of the present invention is as follows:

[0106] The first step is to send a cash withdrawal transaction request. The first terminal sends a cash withdrawal transaction request to the acquiring bank server. The cash withdrawal transaction request may include a withdrawal identifier, a withdrawal amount, and a receiving account number.

[0107] Step 2: Send a withdrawal query request. The acquiring bank server will determine whether the withdrawal ID belongs to the acquiring bank. If the withdrawal ID does not belong to the acquiring bank, a withdrawal query request including the withdrawal ID will be sent to the third-party server.

[0108] Step 3: Return the withdrawal query result. After receiving the withdrawal query request, the third-party server will query the reserved mobile phone number and the bank account of the withdrawal customer corresponding to the withdrawal identifier according to the withdrawal identifier, and then return the reserved mobile phone number and the bank account of the withdrawal customer corresponding to the withdrawal identifier to the acquiring bank server in the withdrawal query result.

[0109] Step 4: Generate a transaction number. The acquiring bank server generates a transaction number for the cash withdrawal transaction, and the transaction number is unique to the cash withdrawal transaction.

[0110] Step 5: Send a withdrawal assistance confirmation request. The acquiring bank server sends a withdrawal assistance confirmation request to the withdrawal customer's account opening bank server, and the withdrawal assistance confirmation request includes a cash withdrawal transaction confirmation request and a reserved mobile phone number. After receiving the withdrawal assistance confirmation request, the withdrawal customer's account opening bank server will send the cash withdrawal transaction confirmation request to the second terminal corresponding to the reserved mobile phone number.

[0111] Step 6: Send a cash withdrawal transaction confirmation request. The second bank server sends a payment request message to the mobile terminal based on the mobile phone number.

[0112] Step 7: Sending withdrawal confirmation information: After viewing the cash withdrawal transaction confirmation request displayed on the second terminal, the customer will confirm the cash withdrawal transaction confirmation request and send the withdrawal confirmation information to the server of the bank where the customer opens an account through the second terminal.

[0113] Step 8: Forward the withdrawal confirmation information. After receiving the withdrawal confirmation information, the server of the bank where the customer opens an account will forward the withdrawal confirmation information to the acquiring bank server.

[0114] Step 9: Send a transfer request. The acquiring bank server can send a transfer request to the server of the bank where the withdrawal customer opens an account, so as to transfer the funds corresponding to the withdrawal amount from the withdrawal account to the receiving account. The transfer request includes the receiving account, the withdrawal account and the withdrawal amount. Among them, the withdrawal query result also includes the withdrawal account corresponding to the withdrawal identifier, and the cash transaction request can include the receiving account.

[0115] Step 10: Send a funds remittance request. After receiving the transfer request, the server of the bank where the customer opens an account will transfer funds to the withdrawal account, and then send a funds remittance request to the acquiring bank server to remit the payment amount to the receiving account.

[0116] Step 11: Send cash withdrawal transaction instructions. After receiving the withdrawal confirmation information, the acquiring bank server will send a cash withdrawal transaction instruction to the first terminal, and the first terminal will receive and display the cash withdrawal transaction instruction. After checking the cash withdrawal transaction instruction, the staff of the merchant corresponding to the first terminal will pay cash to the customer according to the withdrawal amount included in the cash withdrawal transaction instruction, thereby completing the cash withdrawal transaction.

[0117] The transfer request initiated by the acquiring bank server can be initiated in real time or delayed. In order to avoid financial risks, the acquiring bank server can query the balance of the withdrawal account through the server of the bank where the withdrawal customer opens an account before sending the cash withdrawal transaction instruction. The cash withdrawal transaction instruction will be sent only when the balance of the withdrawal account is greater than or equal to the withdrawal amount. Otherwise, when the balance of the withdrawal account is less than the withdrawal amount, the acquiring bank server will not send the cash withdrawal transaction instruction to the first terminal, and can feedback a prompt message of insufficient balance of the withdrawal account to the second terminal.

[0118] Figure 7 : is a schematic diagram of the process of applying for registration of a withdrawal identification provided by the seventh embodiment of the present invention, such as Figure 7 As shown, the registration application process for the withdrawal identification provided by the embodiment of the present invention is as follows:

[0119] The first step is to send a withdrawal identification registration request. The withdrawal customer can send a withdrawal identification registration request to the receiving customer's bank server through the second terminal. The withdrawal identification registration request may include the customer's mobile phone number, ID card number, and the customer's bank account number opened in the bank corresponding to the withdrawal customer's bank server.

[0120] Step 2: Forward the withdrawal ID registration request. The withdrawal customer's bank server forwards the withdrawal ID registration request to the third-party server, and the third-party staff approves the withdrawal ID registration request. After approval, the third-party server generates a unique withdrawal ID for the customer, and stores the withdrawal ID in correspondence with the customer's mobile phone number, ID card number, and the customer's bank account number opened at the bank corresponding to the withdrawal customer's bank server.

[0121] Step 3: Sending registration success information. The third-party server sends registration success information to the server of the bank where the withdrawal customer opens an account. The registration success information includes a withdrawal ID. The server of the bank where the withdrawal customer opens an account will forward the registration success information to the second terminal.

[0122] The cash withdrawal transaction method provided by the embodiment of the present invention, on the one hand, allows merchants to use the mobile banking application on their smart terminals to initiate cash withdrawal transactions, and on the other hand, customers only need to confirm the withdrawal transaction confirmation message sent by the bank through their mobile phones to withdraw cash from the merchant. The entire transaction is safe and convenient, which effectively improves the problem that cash can only be withdrawn through bank branches or ATMs in the prior art, and achieves the technical effect of expanding customer withdrawal channels and improving the convenience and safety of cash withdrawal.

[0123] Moreover, by registering a withdrawal ID in the remittance intermediary agency's server, the merchant channels for customers to withdraw cash are no longer limited to merchants at the customer's bank of account. That is, the merchant and the customer's bank of account may not be the same bank, which greatly expands the merchant range for customers to withdraw cash.

[0124] The cash withdrawal transaction method provided in the embodiment of the present invention is that the merchant initiates the cash withdrawal transaction, the bank completes the transfer from the customer to the merchant, and feeds back the transaction processing result information to the customer and the merchant, so as to complete the customer's cash withdrawal conveniently and safely, making up for the shortcomings of the small distribution of bank branches and ATMs, reducing the cost of bank cash operation, saving the human resources of merchant cash management, and realizing a win-win situation for the three parties of customer, merchant and bank.

[0125] The present invention is particularly suitable for underdeveloped areas and towns. On the one hand, merchants in these areas often do not have special equipment and networks for collecting money, and it is inconvenient to go to the bank to save cash; on the other hand, there are fewer bank outlets and self-service cash withdrawal equipment, and people are more accustomed to and like to use cash, and in many cases they also need to use cash. At the same time, the technical solution of the present invention uses the withdrawal identification and related information registered by the customer in the remittance intermediary agency in the cash withdrawal business, which not only avoids the cumbersomeness and information leakage of the customer's withdrawal account directly, but also supports the customer to withdraw cash from the contracted merchants of the non-customer opening bank, expanding the scope of merchants where customers can withdraw cash.

[0126] In addition, for some customers who are not accustomed to using mobile banking or smart self-service terminals, the cash withdrawal transaction method provided by the embodiment of the present invention only requires the customer to confirm the transaction through the mobile phone, and the cash withdrawal service can be completed using a mobile phone with a text message sending and receiving function, providing them with a convenient, safe, and ubiquitous cash withdrawal service, thereby improving the customer experience.

[0127] In summary, the cash withdrawal transaction method provided by the embodiment of the present invention not only provides customers with convenient, safe and ubiquitous withdrawal services, but also saves the deployment and operation costs of ATMs for banks, and saves the manpower costs of cash management for merchants, thereby greatly saving social resources.

[0128] Figure 8 is a schematic diagram of the structure of the acquiring bank server provided by the eighth embodiment of the present invention, such as Figure 8 As shown, the acquiring bank server provided in the embodiment of the present invention includes a first receiving unit 801, a query unit 802, a first sending unit 803 and a first withdrawal instruction unit 804, wherein:

[0129] The first receiving unit 801 is used to receive a cash withdrawal transaction request sent by the first terminal, and the cash withdrawal transaction request includes a withdrawal identification and a withdrawal amount; the query unit 802 is used to obtain the withdrawal agreement information according to the withdrawal identification after determining that the withdrawal identification belongs to the acquiring bank, and generate a transaction number; wherein the withdrawal agreement information includes a reserved mobile phone number; the first sending unit 803 is used to send a cash withdrawal transaction confirmation request to the second terminal corresponding to the reserved mobile phone number; wherein the cash withdrawal transaction confirmation request includes the transaction number and the withdrawal amount; the first withdrawal instruction unit 804 is used to send a cash withdrawal transaction instruction to the first terminal after receiving the withdrawal confirmation information returned by the second terminal to facilitate the completion of the cash withdrawal transaction; wherein the cash withdrawal transaction instruction includes the transaction number and the withdrawal amount.

[0130] Specifically, the first terminal may send a cash withdrawal transaction request to the first receiving unit 801, and the cash withdrawal transaction request may include a withdrawal identifier and a withdrawal amount. The first receiving unit 801 will receive the cash withdrawal transaction request. The withdrawal identifier is obtained by the withdrawal customer from a bank or a third-party institution, and the withdrawal identifier corresponds to the customer's bank account number and the mobile phone number reserved by the customer at the bank. The cash withdrawal transaction request may also include a currency and a receiving account number.

[0131] After receiving the cash withdrawal transaction request, a withdrawal identifier is obtained from the cash withdrawal transaction request, and then the query unit 802 determines whether the withdrawal identifier belongs to the acquiring bank. If it belongs to the acquiring bank, the withdrawal agreement information corresponding to the withdrawal identifier is obtained according to the withdrawal identifier, and a transaction number is generated for the cash withdrawal transaction request, and the transaction number is used to identify the cash withdrawal transaction. Among them, the withdrawal agreement information includes information such as a reserved mobile phone number and a withdrawal account number, which is set according to actual needs and is not limited in the embodiment of the present invention.

[0132] After obtaining the reserved mobile phone number, the first sending unit 803 will send a cash withdrawal transaction confirmation request to the second terminal corresponding to the reserved mobile phone number, and the second terminal will display the cash withdrawal transaction confirmation request, which includes the transaction number and the withdrawal amount. After viewing the cash withdrawal transaction confirmation request displayed by the second terminal, the customer will confirm the cash withdrawal transaction confirmation request, and after receiving the customer's cash withdrawal transaction confirmation request, the second terminal will send withdrawal confirmation information to the first withdrawal instruction unit 804.

[0133] If the withdrawal confirmation information returned by the second terminal is received, a cash withdrawal transaction instruction is sent to the first terminal, and the first terminal receives and displays the cash withdrawal transaction instruction. After checking the cash withdrawal transaction instruction, the merchant corresponding to the first terminal will pay cash to the customer according to the withdrawal amount included in the cash withdrawal transaction instruction, thereby completing the cash withdrawal transaction. The cash withdrawal transaction instruction may include a transaction number, and the merchant may require the customer to provide the transaction number. When the transaction number provided by the customer is the same as the transaction number included in the cash withdrawal transaction instruction, the merchant will pay cash to the customer to ensure the accuracy of the cash withdrawal transaction.

[0134] The acquiring bank server provided in the embodiment of the present invention receives a cash withdrawal transaction request sent by a first terminal, and after determining that the withdrawal identifier belongs to the acquiring bank, obtains the withdrawal agreement information based on the withdrawal identifier query, generates a transaction number, and sends a cash withdrawal transaction confirmation request to the second terminal corresponding to the reserved mobile phone number. If the withdrawal confirmation information returned by the second terminal is received, a cash withdrawal transaction instruction is sent to the first terminal to complete the cash withdrawal transaction. The cash withdrawal transaction can be completed conveniently, thereby improving the efficiency of cash withdrawal.

[0135] Fig. 9 is a schematic diagram of the structure of the acquiring bank server provided by the ninth embodiment of the present invention, such as Fig. 9As shown, on the basis of the above embodiments, further, the withdrawal agreement information also includes a withdrawal account number corresponding to the withdrawal identifier; accordingly, the acquiring bank server provided in the embodiment of the present invention also includes a first initiating unit 805, wherein:

[0136] The first initiating unit 805 is used to initiate a transfer request so as to transfer the funds corresponding to the withdrawal amount from the withdrawal account to the receiving account; wherein the cash transaction request includes the receiving account.

[0137] Specifically, the withdrawal agreement information also includes a withdrawal account corresponding to the withdrawal identifier, and the cash transaction request may include a receiving account. The first initiating unit 805 may initiate a transfer request to transfer funds corresponding to the withdrawal amount from the withdrawal account to the receiving account. The cash transaction request includes the receiving account. The transfer request may be initiated in real time or in a delayed manner, and may be set according to actual needs, which is not limited in the embodiment of the present invention.

[0138] On the basis of the above embodiments, further, the cash withdrawal transaction request is sent after being encrypted and signed.

[0139] Specifically, in order to ensure the security of information transmission, the cash withdrawal transaction request is sent after being encrypted and signed. After receiving the cash withdrawal transaction request with an encrypted signature, the first receiving unit 801 can decrypt the cash withdrawal transaction request with an encrypted signature according to the public key of the encrypted signature.

[0140] Fig.10 is a schematic diagram of the structure of the acquiring bank server provided by the ninth embodiment of the present invention, such as Fig.10 As shown, the acquiring bank server provided in the embodiment of the present invention includes a second receiving unit 1001, a second sending unit 1002, a third receiving unit 1003, a generating unit 1004 and a second withdrawal indicating unit 1005, wherein:

[0141] The second receiving unit 1001 is used to receive a cash withdrawal transaction request sent by the first terminal, and the cash withdrawal transaction request includes a withdrawal identification and a withdrawal amount; the second sending unit 1002 is used to send a withdrawal query request to a third-party server after determining that the withdrawal identification does not belong to the acquiring bank; wherein the withdrawal query request includes the withdrawal identification; the third receiving unit 1003 is used to receive a withdrawal query result returned by the third-party server, and the withdrawal query result includes a reserved mobile phone number corresponding to the withdrawal identification and a bank where the withdrawal customer opens an account; the generating unit 1004 is used to generate a transaction number and pass it to the third-party server. The cash withdrawal transaction confirmation request is sent to the second terminal corresponding to the reserved mobile phone number through the withdrawal customer's bank; wherein the cash withdrawal transaction confirmation request includes the transaction number and the withdrawal amount; the second withdrawal instruction unit 1005 is used to send a cash withdrawal transaction instruction to the first terminal after receiving the withdrawal confirmation information to facilitate the completion of the cash withdrawal transaction; wherein the withdrawal confirmation information is sent by the second terminal to the withdrawal customer's bank server and forwarded by the withdrawal customer's bank server; the cash withdrawal transaction instruction includes the transaction number and the withdrawal amount.

[0142] Specifically, the first terminal may send a cash withdrawal transaction request to the second receiving unit 1001, and the cash withdrawal transaction request may include a withdrawal identifier and a withdrawal amount. The second receiving unit 1001 will receive the cash withdrawal transaction request. The withdrawal identifier is applied for and obtained by an institution corresponding to the third-party server of the withdrawal customer, and the withdrawal identifier corresponds to the customer's bank account number and the mobile phone number reserved by the customer in the bank. The cash withdrawal transaction request may also include a currency and a receiving account number.

[0143] After receiving the cash withdrawal transaction request, the second sending unit 1002 obtains a withdrawal identifier from the cash withdrawal transaction request, and then determines whether the withdrawal identifier belongs to an acquiring bank. If it does not belong to an acquiring bank, a withdrawal query request including the withdrawal identifier is sent to a third-party server. After receiving the withdrawal query request, the third-party server queries the reserved mobile phone number and the bank where the withdrawal customer opens an account corresponding to the withdrawal identifier according to the withdrawal identifier, and then carries the reserved mobile phone number and the bank where the withdrawal customer opens an account corresponding to the withdrawal identifier in the withdrawal query result and returns it to the third receiving unit 1003.

[0144] The third receiving unit 1003 receives the withdrawal query result returned by the third-party server, wherein the withdrawal query result includes the reserved mobile phone number corresponding to the withdrawal identifier and the bank where the withdrawal customer opens an account.

[0145] The generating unit 1004 generates a transaction number for the cash withdrawal transaction request, and the transaction number is used to identify the cash withdrawal transaction. The generating unit 1004 sends a withdrawal assistance confirmation request to the server of the bank where the withdrawal customer opens an account, and the withdrawal assistance confirmation request includes the cash withdrawal transaction confirmation request and the reserved mobile phone number. After receiving the withdrawal assistance confirmation request, the server of the bank where the withdrawal customer opens an account sends the cash withdrawal transaction confirmation request to the second terminal corresponding to the reserved mobile phone number. Among them, the cash withdrawal transaction confirmation request includes the transaction number and the withdrawal amount.

[0146] The second terminal will display the cash withdrawal transaction confirmation request, which includes the transaction number and the withdrawal amount. After checking the cash withdrawal transaction confirmation request displayed by the second terminal, the customer will confirm the cash withdrawal transaction confirmation request and send the withdrawal confirmation information to the withdrawal customer's account opening bank server through the second terminal. After receiving the withdrawal confirmation information, the withdrawal customer's account opening bank server will send the withdrawal confirmation information to the second withdrawal instruction unit 1005. After receiving the withdrawal confirmation information, the second withdrawal instruction unit 1005 will send a cash withdrawal transaction instruction to the first terminal, and the first terminal will receive and display the cash withdrawal transaction instruction. After checking the cash withdrawal transaction instruction, the staff of the merchant corresponding to the first terminal will pay cash to the customer according to the withdrawal amount included in the cash withdrawal transaction instruction, thereby completing the cash withdrawal transaction. The cash withdrawal transaction instruction may include a transaction number, and the merchant may require the customer to provide a transaction number. When the transaction number provided by the customer is the same as the transaction number included in the cash withdrawal transaction instruction, the merchant will pay cash to the customer to ensure the accuracy of the cash withdrawal transaction.

[0147] The acquiring bank server provided in the embodiment of the present invention can receive a cash withdrawal transaction request sent by a first terminal, and after determining that the withdrawal identification does not belong to the acquiring bank, send a withdrawal query request to a third-party server, receive the withdrawal query result returned by the third-party server, generate a transaction number, and send a cash withdrawal transaction confirmation request to the second terminal corresponding to the reserved mobile phone number through the withdrawal customer's account opening bank server, and after receiving the withdrawal confirmation information, send a cash withdrawal transaction instruction to the first terminal to complete the cash withdrawal transaction, so that the cash withdrawal transaction can be completed conveniently, thereby improving the efficiency of cash withdrawal.

[0148] Fig.11 is a schematic diagram of the structure of a cash withdrawal transaction device provided by the tenth embodiment of the present invention. Fig.11As shown, on the basis of the above embodiments, further, the withdrawal query result also includes a withdrawal account number corresponding to the withdrawal identifier; accordingly, the acquiring bank server provided in the embodiment of the present invention also includes a second initiating unit 1006, wherein:

[0149] The second initiating unit 1006 is used to initiate a transfer request so as to transfer the funds corresponding to the withdrawal amount from the withdrawal account to the receiving account; wherein the cash transaction request includes the receiving account.

[0150] Specifically, the withdrawal query result also includes the withdrawal account corresponding to the withdrawal identifier, and the cash transaction request may include the receiving account. The second initiating unit 1006 may send a transfer request to the withdrawal customer's bank server to transfer the funds corresponding to the withdrawal amount from the withdrawal account to the receiving account, and the transfer request includes the receiving account, the withdrawal account and the withdrawal amount. After receiving the transfer request, the withdrawal customer's bank server will transfer funds to the withdrawal account, and then remit the funds of the withdrawal amount to the receiving account, and the withdrawal customer's bank server may send a transfer prompt message to the second terminal. The second initiating unit 1006 will credit the funds of the withdrawal amount to the receiving account. Among them, the cash transaction request includes the receiving account. Among them, the transfer request can be initiated in real time or deferred, and is set according to actual needs, which is not limited in the embodiment of the present invention.

[0151] On the basis of the above embodiments, further, the cash withdrawal transaction request is sent after being encrypted and signed.

[0152] Specifically, in order to ensure the security of information transmission, the cash withdrawal transaction request is sent after being encrypted and signed. After receiving the cash withdrawal transaction request with an encrypted signature, the second receiving unit 1001 can decrypt the cash withdrawal transaction request with an encrypted signature according to the public key of the encrypted signature.

[0153] The acquiring bank server provided in the embodiments of the present invention can be specifically used to execute the processing flow of the above-mentioned method embodiments, and its functions are not described in detail here. Please refer to the detailed description of the above-mentioned method embodiments.

[0154] It should be noted that the cash withdrawal transaction method, acquiring bank server and system provided in the embodiments of the present invention can be used in the financial field, and can also be used in any technical field other than the financial field. The embodiments of the present invention do not limit the application fields of the cash withdrawal transaction method, acquiring bank server and system.

[0155] Fig.12 is a schematic diagram of the physical structure of an electronic device provided by the twelfth embodiment of the present invention, such as Fig.12 As shown, the electronic device may include: a processor (processor) 1201, a communication interface (Communications Interface) 1202, a memory (memory) 1203 and a communication bus 1204, wherein the processor 1201, the communication interface 1202, and the memory 1203 communicate with each other through the communication bus 1204. The processor 1201 can call the logic instructions in the memory 1203 to execute the following method: receiving a cash withdrawal transaction request sent by the first terminal, the cash withdrawal transaction request including a withdrawal identification and a withdrawal amount; if it is determined that the withdrawal identification belongs to an acquiring bank, obtaining the withdrawal agreement information based on the withdrawal identification query, and generating a transaction number; wherein the withdrawal agreement information includes a reserved mobile phone number; sending a cash withdrawal transaction confirmation request to the second terminal corresponding to the reserved mobile phone number; wherein the cash withdrawal transaction confirmation request includes the transaction number and the withdrawal amount; if the withdrawal confirmation information returned by the second terminal is received, sending a cash withdrawal transaction instruction to the first terminal to complete the cash withdrawal transaction; wherein the cash withdrawal transaction instruction includes the transaction number and the withdrawal amount. Or

[0156] Receive a cash withdrawal transaction request sent by a first terminal, the cash withdrawal transaction request including a withdrawal identification and a withdrawal amount; if it is determined that the withdrawal identification does not belong to an acquiring bank, send a withdrawal query request to a third-party server; wherein the withdrawal query request includes the withdrawal identification; receive a withdrawal query result returned by the third-party server, the withdrawal query result including a reserved mobile phone number corresponding to the withdrawal identification and a bank where the withdrawal customer opens an account; generate a transaction number and send a cash withdrawal transaction confirmation request to a second terminal corresponding to the reserved mobile phone number through the server of the bank where the withdrawal customer opens an account; wherein the cash withdrawal transaction confirmation request includes the transaction number and the withdrawal amount; if withdrawal confirmation information is received, send a cash withdrawal transaction instruction to the first terminal to complete the cash withdrawal transaction; wherein the withdrawal confirmation information is sent by the second terminal to the server of the bank where the withdrawal customer opens an account and forwarded by the server of the bank where the withdrawal customer opens an account; the cash withdrawal transaction instruction includes the transaction number and the withdrawal amount.

[0157] In addition, the logic instructions in the above-mentioned memory 1203 can be implemented in the form of software functional units and can be stored in a computer-readable storage medium when sold or used as an independent product. Based on such an understanding, the technical solution of the present invention, in essence, or the part that contributes to the prior art or the part of the technical solution, can be embodied in the form of a software product, and the computer software product is stored in a storage medium, including several instructions for a computer device (which can be a personal computer, a server, or a network device, etc.) to perform all or part of the steps of the method described in each embodiment of the present invention. The aforementioned storage medium includes: U disk, mobile hard disk, read-only memory (ROM, Read-Only Memory), random access memory (RAM, Random Access Memory), disk or optical disk and other media that can store program codes.

[0158] This embodiment discloses a computer program product, which includes a computer program stored on a non-transitory computer-readable storage medium. The computer program includes program instructions. When the program instructions are executed by a computer, the computer can perform the methods provided by the above method embodiments, for example, including:

[0159] Receive a cash withdrawal transaction request sent by a first terminal, the cash withdrawal transaction request including a withdrawal identification and a withdrawal amount; if it is determined that the withdrawal identification belongs to an acquiring bank, obtain the withdrawal agreement information based on the withdrawal identification, and generate a transaction number; wherein the withdrawal agreement information includes a reserved mobile phone number; send a cash withdrawal transaction confirmation request to a second terminal corresponding to the reserved mobile phone number; wherein the cash withdrawal transaction confirmation request includes the transaction number and the withdrawal amount; if the withdrawal confirmation information returned by the second terminal is received, send a cash withdrawal transaction instruction to the first terminal to complete the cash withdrawal transaction; wherein the cash withdrawal transaction instruction includes the transaction number and the withdrawal amount. Or

[0160] Receive a cash withdrawal transaction request sent by a first terminal, the cash withdrawal transaction request including a withdrawal identification and a withdrawal amount; if it is determined that the withdrawal identification does not belong to an acquiring bank, send a withdrawal query request to a third-party server; wherein the withdrawal query request includes the withdrawal identification; receive a withdrawal query result returned by the third-party server, the withdrawal query result including a reserved mobile phone number corresponding to the withdrawal identification and a bank where the withdrawal customer opens an account; generate a transaction number and send a cash withdrawal transaction confirmation request to a second terminal corresponding to the reserved mobile phone number through the server of the bank where the withdrawal customer opens an account; wherein the cash withdrawal transaction confirmation request includes the transaction number and the withdrawal amount; if withdrawal confirmation information is received, send a cash withdrawal transaction instruction to the first terminal to complete the cash withdrawal transaction; wherein the withdrawal confirmation information is sent by the second terminal to the server of the bank where the withdrawal customer opens an account and forwarded by the server of the bank where the withdrawal customer opens an account; the cash withdrawal transaction instruction includes the transaction number and the withdrawal amount.

[0161] The present embodiment provides a computer-readable storage medium, which stores a computer program, and the computer program enables the computer to execute the methods provided by the above-mentioned method embodiments, for example, including: receiving a cash withdrawal transaction request sent by a first terminal, the cash withdrawal transaction request including a withdrawal identifier and a withdrawal amount; if it is determined that the withdrawal identifier belongs to an acquiring bank, querying the withdrawal agreement information based on the withdrawal identifier and generating a transaction number; wherein the withdrawal agreement information includes a reserved mobile phone number; sending a cash withdrawal transaction confirmation request to a second terminal corresponding to the reserved mobile phone number; wherein the cash withdrawal transaction confirmation request includes the transaction number and the withdrawal amount; if the withdrawal confirmation information returned by the second terminal is received, sending a cash withdrawal transaction instruction to the first terminal to complete the cash withdrawal transaction; wherein the cash withdrawal transaction instruction includes the transaction number and the withdrawal amount. Or

[0162] Receive a cash withdrawal transaction request sent by a first terminal, the cash withdrawal transaction request including a withdrawal identification and a withdrawal amount; if it is determined that the withdrawal identification does not belong to an acquiring bank, send a withdrawal query request to a third-party server; wherein the withdrawal query request includes the withdrawal identification; receive a withdrawal query result returned by the third-party server, the withdrawal query result including a reserved mobile phone number corresponding to the withdrawal identification and a bank where the withdrawal customer opens an account; generate a transaction number and send a cash withdrawal transaction confirmation request to a second terminal corresponding to the reserved mobile phone number through the server of the bank where the withdrawal customer opens an account; wherein the cash withdrawal transaction confirmation request includes the transaction number and the withdrawal amount; if withdrawal confirmation information is received, send a cash withdrawal transaction instruction to the first terminal to complete the cash withdrawal transaction; wherein the withdrawal confirmation information is sent by the second terminal to the server of the bank where the withdrawal customer opens an account and forwarded by the server of the bank where the withdrawal customer opens an account; the cash withdrawal transaction instruction includes the transaction number and the withdrawal amount.

[0163] Those skilled in the art will appreciate that embodiments of the present invention may be provided as methods, systems, or computer program products. Therefore, the present invention may take the form of a complete hardware embodiment, a complete software embodiment, or an embodiment combining software and hardware. Moreover, the present invention may take the form of a computer program product implemented on one or more computer-usable storage media (including but not limited to disk storage, CD-ROM, optical storage, etc.) containing computer-usable program code.

[0164] The present invention is described with reference to flowcharts and / or block diagrams of methods, devices (systems), and computer program products according to embodiments of the present invention. It should be understood that each process and / or block in the flowchart and / or block diagram, as well as the combination of processes and / or blocks in the flowchart and / or block diagram, can be implemented by computer program instructions. These computer program instructions can be provided to a processor of a general-purpose computer, a special-purpose computer, an embedded processor, or other programmable data processing device to produce a machine, so that the instructions executed by the processor of the computer or other programmable data processing device generate instructions for implementing the processes in the flowchart and / or block diagram. Figure 1 A process or multiple processes and / or boxes Figure 1 A device that provides the functions specified in a block or multiple blocks.

[0165] These computer program instructions may also be stored in a computer-readable memory capable of directing a computer or other programmable data processing device to operate in a specific manner, so that the instructions stored in the computer-readable memory produce an article of manufacture comprising an instruction device, which implements the process Figure 1 A process or multiple processes and / or boxes Figure 1 A function specified in one or more boxes.

[0166] These computer program instructions can also be loaded onto a computer or other programmable data processing device so that a series of operating steps are executed on the computer or other programmable device to produce a computer-implemented process, thereby providing instructions for implementing the process. Figure 1 A process or multiple processes and / or boxes Figure 1 The steps for the functions specified in one or more boxes.

[0167] In the description of this specification, the description with reference to the terms "one embodiment", "a specific embodiment", "some embodiments", "for example", "example", "specific example", or "some examples" means that the specific features, structures, materials or characteristics described in conjunction with the embodiment or example are included in at least one embodiment or example of the present invention. In this specification, the schematic representation of the above terms does not necessarily refer to the same embodiment or example. Moreover, the specific features, structures, materials or characteristics described may be combined in any one or more embodiments or examples in a suitable manner.

[0168] The specific embodiments described above further illustrate the objectives, technical solutions and beneficial effects of the present invention in detail. It should be understood that the above description is only a specific embodiment of the present invention and is not intended to limit the scope of protection of the present invention. Any modifications, equivalent substitutions, improvements, etc. made within the spirit and principles of the present invention should be included in the scope of protection of the present invention.

Claims

1. A cash withdrawal transaction method, characterized in that: include: Receiving a cash withdrawal transaction request sent by the first terminal, the cash withdrawal transaction request including a withdrawal identifier and a withdrawal amount; wherein the withdrawal identifier is obtained by the withdrawal customer from a bank or a third-party institution, and the withdrawal identifier corresponds to a mobile phone number reserved by the customer at the bank; If it is determined that the withdrawal identification belongs to the acquiring bank, the withdrawal agreement information is obtained according to the withdrawal identification, and a transaction number is generated; wherein the withdrawal agreement information includes a reserved mobile phone number; Sending a cash withdrawal transaction confirmation request to the second terminal corresponding to the reserved mobile phone number; wherein the cash withdrawal transaction confirmation request includes the transaction number and the withdrawal amount; If the withdrawal confirmation information returned by the second terminal is received, a cash withdrawal transaction instruction is sent to the first terminal to complete the cash withdrawal transaction; wherein the cash withdrawal transaction instruction includes the transaction number and the withdrawal amount.

2. The method according to claim 1, characterized in that The withdrawal agreement information also includes a withdrawal account number corresponding to the withdrawal identifier; accordingly, the method further includes: Initiate a transfer request to transfer the funds corresponding to the withdrawal amount from the withdrawal account to the receiving account; wherein the cash transaction request includes the receiving account.

3. The method according to claim 1 or 2, characterized in that: The cash withdrawal transaction request is sent after being encrypted and signed.

4. A cash withdrawal transaction method, characterized in that: include: Receiving a cash withdrawal transaction request sent by the first terminal, the cash withdrawal transaction request including a withdrawal identifier and a withdrawal amount; wherein the withdrawal identifier is obtained by the withdrawal customer from a bank or a third-party institution, and the withdrawal identifier corresponds to a mobile phone number reserved by the customer at the bank; If it is determined that the withdrawal identifier does not belong to the acquiring bank, a withdrawal query request is sent to a third-party server; wherein the withdrawal query request includes the withdrawal identifier; Receiving a withdrawal query result returned by the third-party server, wherein the withdrawal query result includes a reserved mobile phone number corresponding to the withdrawal identifier and a bank account opening bank of the withdrawal customer; Generate a transaction number and send a cash withdrawal transaction confirmation request to the second terminal corresponding to the reserved mobile phone number through the server of the withdrawal customer's bank account opening bank; wherein the cash withdrawal transaction confirmation request includes the transaction number and the withdrawal amount; If the withdrawal confirmation information is received, a cash withdrawal transaction instruction is sent to the first terminal to complete the cash withdrawal transaction; wherein the withdrawal confirmation information is sent by the second terminal to the server of the bank where the withdrawal customer opens an account and forwarded by the server of the bank where the withdrawal customer opens an account; the cash withdrawal transaction instruction includes the transaction number and the withdrawal amount.

5. The method according to claim 4, characterized in that The withdrawal query result also includes a withdrawal account number corresponding to the withdrawal identifier; accordingly, the method further includes: Initiate a transfer request to transfer the funds corresponding to the withdrawal amount from the withdrawal account to the receiving account; wherein the cash transaction request includes the receiving account.

6. The method according to claim 4 or 5, characterized in that: The cash withdrawal transaction request is sent after being encrypted and signed.

7. An acquiring bank server, characterized in that: include: A first receiving unit is used to receive a cash withdrawal transaction request sent by the first terminal, wherein the cash withdrawal transaction request includes a withdrawal identifier and a withdrawal amount; wherein the withdrawal identifier is obtained by the withdrawal customer from a bank or a third-party institution, and the withdrawal identifier corresponds to a mobile phone number reserved by the customer at the bank; A query unit, for obtaining the withdrawal agreement information according to the withdrawal identity and generating a transaction number after determining that the withdrawal identity belongs to the acquiring bank; wherein the withdrawal agreement information includes a reserved mobile phone number; A first sending unit is used to send a cash withdrawal transaction confirmation request to a second terminal corresponding to the reserved mobile phone number; wherein the cash withdrawal transaction confirmation request includes the transaction number and the withdrawal amount; The first withdrawal instruction unit is used to send a cash withdrawal transaction instruction to the first terminal after receiving the withdrawal confirmation information returned by the second terminal to complete the cash withdrawal transaction; wherein the cash withdrawal transaction instruction includes the transaction number and the withdrawal amount.

8. The acquiring bank server according to claim 7, characterized in that: The withdrawal agreement information also includes a withdrawal account number corresponding to the withdrawal identifier; accordingly, the acquiring bank server also includes: The first initiating unit is used to initiate a transfer request so as to transfer the funds corresponding to the withdrawal amount from the withdrawal account to the receiving account; wherein the cash transaction request includes the receiving account.

9. The acquiring bank server according to claim 7 or 8, characterized in that: The cash withdrawal transaction request is sent after being encrypted and signed.

10. An acquiring bank server, characterized in that: include: A second receiving unit is used to receive a cash withdrawal transaction request sent by the first terminal, wherein the cash withdrawal transaction request includes a withdrawal identifier and a withdrawal amount; wherein the withdrawal identifier is obtained by the withdrawal customer from a bank or a third-party institution, and the withdrawal identifier corresponds to a mobile phone number reserved by the customer at the bank; A second sending unit is used to send a withdrawal query request to a third-party server after determining that the withdrawal identifier does not belong to the acquiring bank; wherein the withdrawal query request includes the withdrawal identifier; A third receiving unit is used to receive a withdrawal query result returned by the third-party server, wherein the withdrawal query result includes a reserved mobile phone number corresponding to the withdrawal identifier and a bank account opening bank of the withdrawal customer; A generating unit, configured to generate a transaction number and send a cash withdrawal transaction confirmation request to a second terminal corresponding to the reserved mobile phone number through the bank where the withdrawal customer opens an account; wherein the cash withdrawal transaction confirmation request includes the transaction number and the withdrawal amount; The second withdrawal instruction unit is used to send a cash withdrawal transaction instruction to the first terminal after receiving the withdrawal confirmation information to facilitate the completion of the cash withdrawal transaction; wherein the withdrawal confirmation information is sent by the second terminal to the server of the withdrawal customer's bank opening account and forwarded by the server of the withdrawal customer's bank opening account; the cash withdrawal transaction instruction includes the transaction number and the withdrawal amount.

11. The acquiring bank server according to claim 10, characterized in that: The withdrawal query result also includes the withdrawal account number corresponding to the withdrawal identifier; accordingly, the acquiring bank server also includes: The second initiating unit is used to initiate a transfer request so as to transfer the funds corresponding to the withdrawal amount from the withdrawal account to the receiving account; wherein the cash transaction request includes the receiving account.

12. The acquiring bank server according to claim 10 or 11, characterized in that: The cash withdrawal transaction request is sent after being encrypted and signed.

13. A cash withdrawal transaction system, characterized in that: The method comprises an acquiring bank server, a first terminal and a second terminal as claimed in any one of claims 7 to 9, wherein the first terminal is communicatively connected to the acquiring bank server, and the acquiring bank server is wirelessly connected to the second terminal.

14. A cash withdrawal transaction system, characterized in that: The method comprises the acquiring bank server, the first terminal, the second terminal, the withdrawal customer bank server and the third-party server as claimed in any one of claims 10 to 12, wherein: The first terminal is connected to the acquiring bank server by communication, the second terminal is connected to the withdrawal customer's account opening bank server by wireless communication, and the acquiring bank server, the withdrawal customer's account opening bank server and the third-party server are connected via a financial clearing network.

15. An electronic device comprising a memory, a processor, and a computer program stored in the memory and executable on the processor, characterized in that: When the processor executes the computer program, the processor implements the steps of the method described in any one of claims 1 to 3, or implements the steps of the method described in any one of claims 4 to 6.

16. A computer-readable storage medium having a computer program stored thereon, characterized in that: When the computer program is executed by a processor, the computer program implements the steps of the method according to any one of claims 1 to 3, or implements the steps of the method according to any one of claims 4 to 6.

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