A processing method, device and system for cross-bank off-site cardless cash withdrawal

Abstract

The application relates to the field of bank cross-bank cash withdrawal processing, and provides a cross-bank off-site no-card cash withdrawal processing method, device and system. The cross-bank off-site no-card cash withdrawal processing system receives a no-card cash withdrawal command and a card-issuing bank category selected by a customer through an automatic deposit and withdrawal device; a withdrawal bank server generates a corresponding pattern based on the no-card cash withdrawal command and the card-issuing bank category; a mobile terminal identifies the pattern to obtain corresponding pattern information; the withdrawal bank server authenticates the automatic deposit and withdrawal device according to the pattern information, and sends a success notification to the mobile terminal through a card-issuing bank server and a third-party server after the authentication is successful; the mobile terminal obtains corresponding withdrawal information based on the success notification; and the card-issuing bank server generates a withdrawal instruction based on the withdrawal information and the pattern information and sends the withdrawal instruction to the automatic deposit and withdrawal device, so that the automatic deposit and withdrawal device completes a withdrawal operation. The application can not only reduce the cost of an ATM machine, but also meet the needs of customers, thereby improving the user experience.

Description

TECHNICAL FIELD

[0001] The present application relates to the field of bank cross-bank cash withdrawal processing, in particular to a cross-bank off-site cardless cash withdrawal processing method, device and system. BACKGROUND

[0002] At present, customers usually withdraw money at the counter or ATM by using bank cards, and these two withdrawal methods only support in-bank cash withdrawal or card-based cash withdrawal through bank cards of other banks, and cannot realize cross-bank off-site cardless cash withdrawal.

[0003] Some banks now provide cardless deposit and withdrawal services, but only support in-bank cardless cash withdrawal, and need specific ATM machines to complete, and customers can only use bank cards to complete if they are in villages and towns or places with few bank outlets, resulting in that customers cannot withdraw cash across banks without cards in time when needed. SUMMARY

[0004] The purpose of the present application is to provide a cross-bank off-site cardless cash withdrawal processing system, method, device, terminal equipment and readable storage medium.

[0005] In a first aspect, the present application provides a cross-bank off-site cardless cash withdrawal processing system, which comprises an automatic deposit and withdrawal equipment, a third-party server, an issuing bank server, a withdrawal bank server and a mobile terminal.

[0006] The automatic deposit and withdrawal equipment is used to receive a cardless cash withdrawal command and a customer-selected issuing bank category.

[0007] The withdrawal bank server is used to generate a corresponding pattern based on the cardless cash withdrawal command and the issuing bank category, and send the pattern to the automatic deposit and withdrawal equipment.

[0008] The mobile terminal is used to identify the pattern to obtain corresponding pattern information, and send the pattern information to the withdrawal bank server through the issuing bank server and the third-party server.

[0009] The withdrawal bank server is also used to authenticate the automatic deposit and withdrawal equipment according to the pattern information, and send a success notification to the mobile terminal through the issuing bank server and the third-party server after successful authentication.

[0010] The mobile terminal is also used to obtain corresponding withdrawal information based on the success notification, and send the withdrawal information to the issuing bank server.

[0011] The issuing bank server is used to generate a withdrawal instruction based on the withdrawal information and the pattern information, and send the withdrawal instruction to the automatic deposit and withdrawal equipment, so that the automatic deposit and withdrawal equipment completes the withdrawal operation.

[0012] In an optional implementation, the generating the corresponding pattern based on the cardless cash withdrawal command and the issuing bank category comprises:

[0013] obtaining device information of the self-service cash withdrawal device based on the cardless cash withdrawal command, the device information comprising a bank to which the device belongs, a city network point where the device is located, and a unique identification ID of the device;

[0014] generating a corresponding pattern based on the device information and the issuing bank category.

[0015] In an optional implementation, the withdrawal information comprises input information and account information, and the generating the withdrawal instruction based on the withdrawal information and the pattern information and sending the withdrawal instruction to the automatic teller machine comprises:

[0016] verifying whether the input information meets a preset condition according to the account information;

[0017] when the input information meets the preset condition, sending the withdrawal information to the withdrawal bank server through the third-party server, so that the withdrawal bank server performs secondary verification on the automatic teller machine according to the pattern information after receiving the withdrawal information, and sends a verification success notification to the issuing bank server after the secondary verification is passed, so that the issuing bank server generates a withdrawal instruction based on the withdrawal information and the pattern information, and sends the withdrawal instruction to the automatic teller machine.

[0018] In an optional implementation, the input information comprises a withdrawal amount and customer information, and the verifying whether the input information meets a preset condition based on the account information comprises:

[0019] determining whether the withdrawal amount is less than or equal to an account balance of the account information;

[0020] if the withdrawal amount is less than or equal to the account balance, verifying whether the customer information is consistent with preset customer information in the account information;

[0021] if the customer information is consistent with the preset customer information, it is determined that the input information meets a preset condition;

[0022] if the customer information is inconsistent with the preset customer information, the cardless cross-bank transfer operation is ended.

[0023] In an optional implementation, the issuing bank server is further configured to receive a withdrawal result of the automatic teller machine fed back through the third-party service, and perform a corresponding account deduction operation based on the withdrawal result.

[0024] In an optional embodiment, the automatic deposit and withdrawal device is further configured to detect whether the automatic deposit and withdrawal device is capable of performing the current withdrawal operation upon receiving the withdrawal instruction.

[0025] In a second aspect, the present application provides a processing method for cross-bank off-site cash withdrawal without card, which is applied to a withdrawal bank server and includes the following steps:

[0026] receiving a cash withdrawal command without card and a card issuing bank category selected by a customer from an automatic deposit and withdrawal device;

[0027] generating a corresponding pattern based on the cash withdrawal command without card and the card issuing bank category, and sending the pattern to the automatic deposit and withdrawal device, so that the customer obtains corresponding pattern information by identifying the pattern through a mobile terminal;

[0028] authenticating the automatic deposit and withdrawal device according to the pattern information, and sending a success notification to the mobile terminal after successful authentication, so that the mobile terminal obtains corresponding withdrawal information based on the success notification, and a card issuing bank server generates a withdrawal instruction based on the withdrawal information and the pattern information and sends the withdrawal instruction to the automatic deposit and withdrawal device, so that the automatic deposit and withdrawal device completes the withdrawal operation.

[0029] In a third aspect, the present application provides a processing device for cross-bank off-site cash withdrawal without card, which is applied to a withdrawal bank server and includes the following steps:

[0030] a receiving module configured to receive a cash withdrawal command without card and a card issuing bank category selected by a customer from an automatic deposit and withdrawal device;

[0031] a generating module configured to generate a corresponding pattern based on the cash withdrawal command without card and the card issuing bank category, and send the pattern to the automatic deposit and withdrawal device, so that the customer obtains corresponding pattern information by identifying the pattern through a mobile terminal;

[0032] an executing module configured to authenticate the automatic deposit and withdrawal device according to the pattern information, and send a success notification to the mobile terminal after successful authentication, so that the mobile terminal obtains corresponding withdrawal information based on the success notification, and a card issuing bank server generates a withdrawal instruction based on the withdrawal information and the pattern information and sends the withdrawal instruction to the automatic deposit and withdrawal device, so that the automatic deposit and withdrawal device completes the withdrawal operation.

[0033] In a fourth aspect, the present application provides a terminal device including a memory and a processor, wherein the memory stores a computer program, and the computer program performs the processing method for cross-bank off-site cash withdrawal without card when running on the processor.

[0034] In a fifth aspect, the present application provides a readable storage medium storing a computer program, which, when executed on a processor, performs the processing method for cross-bank and cross-region cash withdrawal without a card.

[0035] The beneficial effects of the embodiments of the present application are as follows:

[0036] The embodiments of the present application provide a processing system for cross-bank and cross-region cash withdrawal without a card, which comprises an automatic deposit and withdrawal device, a third-party server, an issuing bank server, a withdrawal bank server and a mobile terminal. The automatic deposit and withdrawal device is configured to receive a cash withdrawal command without a card and a card issuing bank category selected by a customer. The withdrawal bank server is configured to generate a corresponding pattern based on the cash withdrawal command without a card and the card issuing bank category, and send the pattern to the automatic deposit and withdrawal device. The mobile terminal is configured to identify the pattern to obtain corresponding pattern information, and send the pattern information to the withdrawal bank server through the issuing bank server and the third-party server. The withdrawal bank server is further configured to authenticate the automatic deposit and withdrawal device according to the pattern information, and send a success notification to the mobile terminal through the issuing bank server and the third-party server after the authentication is successful. The mobile terminal is further configured to obtain corresponding withdrawal information based on the success notification, and send the withdrawal information to the issuing bank server. The issuing bank server is configured to generate a withdrawal instruction based on the withdrawal information and the pattern information, and send the withdrawal instruction to the automatic deposit and withdrawal device, so that the automatic deposit and withdrawal device completes a withdrawal operation. The present application can not only reduce the cost of an ATM, but also meet the needs of customers, thereby improving the user experience.

[0037] In order to make the above-mentioned purposes, features and advantages of the present application more obvious and easy to understand, the following preferred embodiments are described in detail below, and the accompanying drawings are described as follows. BRIEF DESCRIPTION OF DRAWINGS

[0038] In order to more clearly illustrate the technical solutions of the present application, the following will briefly introduce the drawings needed to be used in the embodiments. It should be understood that the following drawings only show some embodiments of the present application, and should not be regarded as a limitation on the protection scope of the present application. In the various drawings, similar components are denoted by similar reference numerals.

[0039] Figure 1 Fig. 1 shows a flowchart of implementing cross-bank and cross-region cash withdrawal without a card in a processing system for cross-bank and cross-region cash withdrawal without a card according to an embodiment of the present application;

[0040] Figure 2 Fig. 2 shows a flowchart of generating a pattern in a processing system for cross-bank and cross-region cash withdrawal without a card according to an embodiment of the present application;

[0041] Figure 3 Fig. 3 shows a first flowchart of determining whether a preset condition is met in a processing system for cross-bank and cross-region cash withdrawal without a card according to an embodiment of the present application; Fig. 4 shows a second flowchart of determining whether a preset condition is met in a processing system for cross-bank and cross-region cash withdrawal without a card according to an embodiment of the present application;

[0042] Figure 4 Fig. 2 shows a second flowchart illustrating a process of determining whether a preset condition is met in a cross-bank and off-site no-card cash withdrawal processing system according to an embodiment of the present application;

[0043] Figure 5 Fig. 3 shows a flowchart illustrating a process of cross-bank and off-site no-card cash withdrawal processing according to an embodiment of the present application;

[0044] Figure 6 Fig. 4 shows a structural diagram of a cross-bank and off-site no-card cash withdrawal processing device according to an embodiment of the present application.

[0045] Main component symbol explanation:

[0046] 10-cross-bank and off-site no-card cash withdrawal processing device; 11-receiving module; 12-generating module; 13-executing module; 100-cross-bank and off-site no-card cash withdrawal processing system; 110-automatic deposit and withdrawal device; 120-third-party server; 130-issuing bank server; 140-withdrawal bank server; 150-mobile terminal. DETAILED DESCRIPTION

[0047] The technical solutions in the embodiments of the present application will be clearly and completely described below with reference to the accompanying drawings of the embodiments of the present application. Obviously, the described embodiments are only some of the embodiments of the present application, but not all the embodiments of the present application.

[0048] The components of the embodiments of the present application generally described and illustrated herein can be arranged and designed in a variety of different configurations. Therefore, the following detailed description of the embodiments of the present application provided in the accompanying drawings is not intended to limit the scope of the claimed application, but merely represents selected embodiments of the present application. Based on the embodiments of the present application, all other embodiments obtained by those skilled in the art without creative work shall fall within the scope of the present application.

[0049] Hereinafter, the terms "include", "have", and their conjugates, used in various embodiments of the present application, are intended to denote a certain characteristic, number, step, operation, element, component, or a combination thereof, and should not be construed as excluding the existence or possibility of one or more other characteristics, numbers, steps, operations, elements, components, or combinations thereof.

[0050] In addition, the terms "first", "second", "third", and the like are used only to distinguish descriptions, and should not be understood as indicating or implying relative importance.

[0051] Unless specifically defined, all other technical and scientific terms used herein have the same meaning as commonly understood by one of ordinary skill in the art to which various embodiments of the present application belong. The terminology used herein (e.g., the terminology used in the dictionary defined) will be interpreted as having the same meaning as the context in the relevant art and will not be interpreted as having an idealized or overly formal meaning, unless clearly defined in various embodiments of the present application.

[0052] At present, some banks have provided cardless cash withdrawal services, but the cardless cash withdrawal services are limited to the bank to which the bank card belongs, and need the specific ATM of the bank to complete the withdrawal. When the customer is in some villages and towns or places where the bank has few outlets, the customer can only use the bank card to complete the cash withdrawal, which is very inconvenient for the customer.

[0053] The present application provides a cross-bank and off-site cardless cash withdrawal processing system, so that the customer can complete the cash withdrawal operation only by identifying the corresponding identification displayed by the bank ATM when the customer is off-site and does not carry a bank card. The cross-bank and off-site cardless cash withdrawal processing system not only ensures the security of cross-bank and off-site cash withdrawal, but also makes the cash withdrawal of the customer more convenient and fast.

[0054] Embodiment 1

[0055] The present application provides a cross-bank and off-site cardless cash withdrawal processing system 100, which is applied to the field of financial technology. The cross-bank and off-site cardless cash withdrawal processing system includes an automatic deposit and withdrawal device 110, a third-party server 120, an issuer server 130, a withdrawal bank server 140, and a mobile terminal 150. The mobile terminal and the automatic deposit and withdrawal device are in information interaction. The mobile terminal is connected with the issuer server through a wireless network. The issuer server is connected with the third-party server through a wired network. The third-party server is connected with the automatic deposit and withdrawal device through the withdrawal bank server. The connection mode is wired network connection.

[0056] The mobile device can be a smart phone, a tablet computer, a smart watch, or other similar mobile devices with a wireless communication module. In addition to setting a common module, the mobile device can also set the app software of each bank to send various requests to the bank server or receive the messages sent by the bank, for example, the bank software can be used to send a withdrawal message to the bank server to obtain the account information. The third-party server client can be a third-party payment platform such as UnionPay.

[0057] Exemplarily, please refer to Figure 1 The cross-bank and off-site cardless cash withdrawal processing system 100 realizes the cross-bank and off-site cardless cash withdrawal, which includes steps S100-S600.

[0058] Step S100: The automatic deposit and withdrawal device receives a cardless withdrawal command and the type of issuing bank selected by the customer.

[0059] It is understandable that when a customer needs to withdraw cash but does not carry a bank card and there is no bank branch nearby to which the bank card to which the customer wants to withdraw belongs, the customer can choose a nearby automatic teller machine (ATM), that is, the automatic teller machine of the withdrawal bank, and select cardless withdrawal through the corresponding button on the automatic teller machine, and select the bank to which the bank card to be withdrawn belongs from the multiple candidate issuing banks displayed on the automatic teller machine. At this time, the automatic teller machine will receive the corresponding cardless withdrawal command and obtain the issuing bank category corresponding to the issuing bank selected by the customer, and the automatic teller machine will send the cardless withdrawal command and the issuing bank category to the withdrawal bank server. The issuing bank category includes the bank to which the bank card belongs and the issuing branch information, etc.

[0060] Step S200: The withdrawal bank server generates a corresponding pattern based on the cardless withdrawal command and the issuing bank category, and sends the pattern to the automatic deposit and withdrawal device.

[0061] After receiving the cardless cash withdrawal command and the issuing bank category, the withdrawal bank server will generate a corresponding pattern based on the cardless cash withdrawal command and the issuing bank category of the bank selected by the customer, and send the pattern to the automatic deposit and withdrawal device so that the automatic deposit and withdrawal device can display the pattern. The generated pattern includes but is not limited to QR codes and bar codes.

[0062] In one embodiment, Figure 2 As shown, step S200 also includes sub-steps S210 to S220.

[0063] Sub-step S210: obtaining device information of the self-service deposit and withdrawal device based on the cardless cash withdrawal command, the device information including the device bank, the city branch where the device is located, and the device unique identification ID.

[0064] In this application, the withdrawal bank server will obtain the device information of the self-service deposit and withdrawal device that sends the cardless withdrawal command based on the cardless withdrawal command. The device information includes the bank to which the device belongs, the city branch where the device is located, and the device's unique identification ID. It can be understood that each device has a corresponding unique identification ID to distinguish each self-service deposit and withdrawal device.

[0065] Sub-step S220: Generate a corresponding pattern based on the device information and the card issuing bank category.

[0066] The withdrawal bank server generates a corresponding pattern based on the corresponding device information obtained and the issuing bank category selected by the customer through the self-service deposit and withdrawal device, and sends the generated pattern to the self-service deposit and withdrawal device, where it is displayed. The generation of the pattern is not the focus of this application and will not be described in detail here.

[0067] Step S300: The mobile terminal identifies the pattern to obtain corresponding pattern information, and sends the pattern information to the drawee bank server through the card-issuing bank server and the third-party server.

[0068] The customer will identify the pattern displayed on the self-service deposit and withdrawal device through the mobile terminal, for example, identify the pattern through the card-issuing bank app of the mobile terminal, and then obtain the corresponding pattern information in the pattern, which includes the card-issuing bank type and the device information of the self-service deposit and withdrawal device, etc. The pattern information is sent to the drawee bank server through the card-issuing bank server, the card-issuing bank server sends the scanned pattern information to the third-party server, and the third-party server calls the drawee bank server, i.e. the third-party server sends the pattern information to the drawee bank server.

[0069] For example, when the customer is away from home, but the old and young at home urgently need money but have no bank card, the family members can send the pattern dynamically displayed on the self-service deposit and withdrawal device to the customer, and the customer can scan the pattern photo through the mobile device.

[0070] Step S400: The drawee bank server authenticates the automatic deposit and withdrawal device according to the pattern information, and sends a success notification to the mobile terminal through the card-issuing bank server and the third-party server after successful authentication.

[0071] It can be understood that the drawee bank server will authenticate the automatic deposit and withdrawal device based on the pattern information, i.e. verify the device information in the pattern information, such as the unique identification ID of the automatic deposit and withdrawal device, the city network point where the device is located, and the device bank, etc. to determine whether the drawee bank server stores the unique identification ID, and whether the city network point where the device is located and the device bank corresponding to the unique identification ID are the same as the device information. If not, the authentication fails, and the draw process ends; if yes, the authentication succeeds, and the drawee bank server sends a success notification to the mobile terminal through the card-issuing bank server and the third-party server after successful authentication.

[0072] Step S500: The mobile terminal obtains corresponding draw information based on the success notification, and sends the draw information to the card-issuing bank server.

[0073] In the present application, the withdrawal information includes input information and account information, which can be displayed on the mobile terminal after the mobile terminal receives the success notification of the successful device authentication. At this time, the user will input the corresponding input information through the mobile terminal, which includes but is not limited to the withdrawal amount, the withdrawal password, the ID number, the face recognition, etc. In addition, the mobile terminal will obtain the corresponding account information of the customer, which includes the information reserved by the customer when applying for a bank card in the card-issuing bank, the account balance, and the account ID, etc. The reserved information includes but is not limited to the ID number, the face information, the fingerprint information, and the customer's phone number, etc. After obtaining the withdrawal information, the mobile terminal will send the withdrawal information to the card-issuing bank server.

[0074] Step S600: The card-issuing bank server generates a withdrawal instruction based on the withdrawal information and the pattern information and sends it to the automatic deposit and withdrawal device to enable the automatic deposit and withdrawal device to complete the withdrawal operation.

[0075] After receiving the withdrawal information, the card-issuing bank server will verify the withdrawal information based on the withdrawal information and the pattern information and perform a second verification of the device. After the second authentication is passed, the corresponding withdrawal instruction will be generated and sent to the automatic deposit and withdrawal device to enable the automatic deposit and withdrawal device to complete the withdrawal operation. It can be understood that the automatic deposit and withdrawal device will also detect whether the device itself can perform the withdrawal operation after receiving the withdrawal instruction, such as detecting whether the cash balance in the automatic deposit and withdrawal device is greater than or equal to the withdrawal amount, whether the automatic deposit and withdrawal device can normally dispense cash, etc., so as to determine whether the automatic deposit and withdrawal device can perform the withdrawal operation.

[0076] In an embodiment, as shown in FIG. 6, step S600 includes sub-steps S610-S630. Figure 3

[0077] Sub-step S610: Verify whether the input information meets the preset condition according to the account information.

[0078] It can be understood that the withdrawal information includes input information and account information, and the card-issuing bank server stores the account information of the customer. The input information input by the customer is verified according to the stored account information to determine whether the input information input by the customer meets the preset condition. When the withdrawal information meets the preset condition, sub-step S620 is performed, and when the withdrawal information does not meet the preset condition, sub-step S630 is performed: end the card-free cross-bank transfer operation.

[0079] In an embodiment, as shown in FIG. 6, sub-step S610 further includes sub-steps S611-S613. Figure 4

[0080] Sub-step S611: Determine whether the withdrawal amount is less than or equal to the account balance of the account information. ​​

[0081] In the present application, the input information includes the withdrawal amount and the customer information, the customer information includes but is not limited to the ID number and the withdrawal password, etc., it is judged whether the withdrawal amount input by the customer is less than or equal to the account balance in the account information, if the withdrawal amount is less than or equal to the account balance, the sub-step S612 is executed, if the withdrawal amount is greater than the account balance, the sub-step S630 is executed.

[0082] Sub-step S612: verify whether the customer information is consistent with the preset customer information in the account information.

[0083] It can be understood that verifying whether the customer information is consistent with the preset customer information in the account information, that is, verifying any one or more of the customer information such as the withdrawal password, the ID number and the phone number. Exemplarily, it is judged whether the withdrawal password input by the customer in the input information is consistent with the withdrawal password in the account information stored by the card-issuing bank server, or whether the ID number in the input information is consistent with the ID number in the account information, or whether the phone number in the input information is consistent with the phone number in the account information, if the withdrawal password is consistent with the withdrawal password, the sub-step S613 is executed: it is determined that the input information meets the preset condition, if the withdrawal password is not consistent with the withdrawal password, the sub-step S630 is executed.

[0084] Sub-step S620: send the withdrawal information to the withdrawal bank server through the third-party server, so that the withdrawal bank server performs secondary verification on the automatic deposit and withdrawal equipment according to the pattern information after receiving the withdrawal information, and sends a verification success notification to the card-issuing bank server after the secondary verification is passed, so that the card-issuing bank server generates a withdrawal instruction based on the withdrawal information and the pattern information, and sends the withdrawal instruction to the automatic deposit and withdrawal equipment.

[0085] In the present application, when the input information meets the preset condition, the card-issuing bank server will freeze the funds corresponding to the withdrawal amount input by the customer in the customer account, and send the withdrawal information to the third-party server and to the withdrawal bank server through the third-party server. After receiving the withdrawal information, the withdrawal bank server will perform secondary verification on the automatic deposit and withdrawal equipment according to the device information in the obtained pattern information, thereby avoiding that the information of the automatic deposit and withdrawal equipment terminal is maliciously tampered with by others, resulting in the theft of the cash. After the secondary verification of the automatic deposit and withdrawal equipment is passed, the withdrawal bank server will send a verification success notification to the card-issuing bank server through the third-party server, so that the card-issuing bank server generates a corresponding withdrawal instruction based on the withdrawal information and the pattern information, and sends the withdrawal instruction to the corresponding automatic deposit and withdrawal equipment, thereby completing the withdrawal operation.

[0086] In one embodiment, the cross-bank off-site no-card cash withdrawal further includes step S700.

[0087] Step S700: The card-issuing bank server receives the withdrawal result fed back by the automatic deposit and withdrawal device through the third-party service, and performs corresponding account deduction operation based on the withdrawal result.

[0088] In the present application, after the withdrawal operation is completed, the corresponding withdrawal result will be obtained, the withdrawal result of the automatic deposit and withdrawal device will be fed back to the card-issuing bank server through the third-party server, the card-issuing bank server receives the withdrawal result, and performs the corresponding account deduction operation based on the withdrawal result, and punches the fund into the card-issuing bank account.

[0089] It can be understood that the ATM in the present application only serves as a cash providing device, and the customer identity authentication, password authentication, and withdrawal operation are all operated on the mobile device, which has great security guarantee, and the function requirement of the ATM is not high, which not only can reduce the cost of the ATM, but also can meet the needs of the customers.

[0090] Based on the above cross-bank and cross-region cash withdrawal without card processing system, please refer to Figure 5 The present application also provides a cross-bank and cross-region cash withdrawal without card processing method, which exemplarily comprises steps S10-S30.

[0091] Step S10: receiving the cash withdrawal without card command sent by the automatic deposit and withdrawal device and the card-issuing bank category selected by the customer.

[0092] Step S20: generating a corresponding pattern based on the cash withdrawal without card command and the card-issuing bank category, and sending the pattern to the automatic deposit and withdrawal device, so that the customer obtains the corresponding pattern information by identifying the pattern through the mobile terminal.

[0093] Step S30: authenticating the automatic deposit and withdrawal device according to the pattern information, and sending a success notification to the mobile terminal after the authentication is successful, so that the mobile terminal obtains the corresponding withdrawal information based on the success notification, and the card-issuing bank server generates a withdrawal instruction based on the withdrawal information and the pattern information and sends it to the automatic deposit and withdrawal device, so that the automatic deposit and withdrawal device completes the withdrawal operation.

[0094] It can be understood that the method steps of the present embodiment correspond to the corresponding functions of the cross-bank and cross-region cash withdrawal without card processing system in the above embodiment, and the optional items of the cross-bank and cross-region cash withdrawal without card processing system are also applicable to the method of the present embodiment, which will not be described here.

[0095] Based on the cross-bank and cross-region cash withdrawal without card processing method of the above embodiment, Figure 6 A structure schematic diagram of a cross-bank and cross-region cash withdrawal without card processing device 10 provided by the present application is shown. The cross-bank and cross-region cash withdrawal without card processing device 10 comprises:

[0096] The receiving module 11 is configured to receive the cardless cash withdrawal command and the card-issuing bank type selected by the customer from the automatic teller machine.

[0097] The generating module 12 is configured to generate a corresponding pattern based on the cardless cash withdrawal command and the card-issuing bank type, and send the pattern to the automatic teller machine, so that the customer obtains corresponding pattern information by identifying the pattern through the mobile terminal.

[0098] The executing module 13 is configured to authenticate the automatic teller machine according to the pattern information, and send a success notification to the mobile terminal after the authentication is successful, so that the mobile terminal obtains corresponding cash withdrawal information based on the success notification, and the card-issuing bank server generates a cash withdrawal instruction based on the cash withdrawal information and the pattern information and sends the cash withdrawal instruction to the automatic teller machine, so that the automatic teller machine completes the cash withdrawal operation.

[0099] The cross-bank and cross-region cardless cash withdrawal processing device 10 of the embodiment is used to execute the cross-bank and cross-region cardless cash withdrawal processing system of the above embodiment, and the implementation solutions and beneficial effects related to the above embodiment are also applicable to the embodiment, which will not be described herein.

[0100] The embodiment of the present application further provides a terminal device, comprising a memory and a processor, the memory stores a computer program, and the computer program executes the cross-bank and cross-region cardless cash withdrawal processing system when running on the processor.

[0101] The embodiment of the present application further provides a computer readable storage medium, which stores a computer program, and the computer program executes the cross-bank and cross-region cardless cash withdrawal processing system when running on the processor.

[0102] In several embodiments provided in the present application, it should be understood that the disclosed devices and methods can also be implemented in other ways. The device embodiments described above are only schematic, for example, the flowcharts and structural diagrams in the drawings show the possible implementation architectures, functions and operations of the devices, methods and computer program products according to the embodiments of the present application. In this regard, each block in the flowchart or block diagram can represent a module, a program segment or a part of code, which contains one or more executable instructions for implementing the specified logical function. It should also be noted that in alternative implementation ways, the functions noted in the blocks can also occur in different order from that noted in the drawings. For example, two consecutive blocks can actually be executed substantially in parallel, and sometimes they can be executed in reverse order, depending on the functions involved. It should also be noted that each block in the structural diagram and / or flowchart, and the combination of blocks in the structural diagram and / or flowchart, can be implemented by a dedicated hardware-based system for executing the specified functions or actions, or can be implemented by a combination of special hardware and computer instructions.

[0103] In addition, each functional module or unit in each embodiment of the present application can be integrated together to form an independent part, or each module can exist independently, or two or more modules can be integrated to form an independent part.

[0104] If the functions are implemented in the form of software functional modules and sold or used as independent products, they can be stored in a computer readable storage medium. Based on this understanding, the technical solutions of the present application or the part of the prior art that essentially contributes or the part of the technical solutions can be embodied in the form of a software product. The computer software product is stored in a storage medium and includes a plurality of instructions for causing a computer device (which can be a smart phone, a personal computer, a server, or a network device, etc.) to execute all or part of the steps of the method described in each embodiment of the present application. The aforementioned storage medium includes: a U disk, a mobile hard disk, a read-only memory (ROM, Read-Only Memory), a random access memory (RAM, Random Access Memory), a magnetic disk or an optical disk, and various media that can store program codes.

[0105] The above is only a specific embodiment of the present application, but the protection scope of the present application is not limited thereto. Any person skilled in the art can easily think of changes or replacements within the technical range disclosed by the present application, which should be covered within the protection scope of the present application.

Claims

1. A system for processing inter-bank and inter-region cardless cash withdrawals, characterized in that: The system includes an automatic deposit and withdrawal device, a third-party server, a card issuing bank server, a withdrawal bank server and a mobile terminal; The automatic deposit and withdrawal device is used to receive a cardless cash withdrawal command and the type of issuing bank selected by the customer; The withdrawal bank server is used to generate a corresponding pattern based on the cardless withdrawal command and the issuing bank category, and send the pattern to the automatic deposit and withdrawal device; The mobile terminal is used to identify the pattern to obtain corresponding pattern information, and send the pattern information to the withdrawal bank server through the issuing bank server and the third-party server; The withdrawal bank server is further configured to authenticate the automatic deposit and withdrawal device according to the pattern information, and send a success notification to the mobile terminal via the issuing bank server and the third-party server upon successful authentication; The mobile terminal is further configured to obtain corresponding withdrawal information based on the success notification and send the withdrawal information to the issuing bank server; The issuing bank server is configured to generate a withdrawal instruction based on the withdrawal information and the pattern information and send the instruction to the automatic deposit and withdrawal device, so that the automatic deposit and withdrawal device completes the withdrawal operation; The withdrawal information includes input information and account information, and the generating of a withdrawal instruction based on the withdrawal information and the pattern information and sending the instruction to the automatic deposit and withdrawal device includes: Verifying whether the input information meets the preset conditions according to the account information; When the input information meets the preset conditions, the withdrawal information is sent to the withdrawal bank server through the third-party server, so that the withdrawal bank server performs a secondary verification on the automatic deposit and withdrawal device according to the pattern information after receiving the withdrawal information, and sends a verification success notification to the issuing bank server after the secondary verification is passed, so that the issuing bank server generates a withdrawal instruction based on the withdrawal information and the pattern information, and sends the withdrawal instruction to the automatic deposit and withdrawal device.

2. The inter-bank, inter-regional cardless cash withdrawal processing system according to claim 1 is characterized in that: The generating a corresponding pattern based on the cardless cash withdrawal command and the issuing bank type includes: Acquire device information of the automatic deposit and withdrawal device based on the cardless cash withdrawal command, the device information including the bank to which the device belongs, the branch in the city where the device is located, and the unique device identification ID; A corresponding pattern is generated based on the device information and the card issuing bank category.

3. The inter-bank and inter-region cardless cash withdrawal processing system according to claim 1 is characterized in that: The input information includes the withdrawal amount and customer information, and the verifying whether the input information meets the preset conditions based on the account information includes: Determining whether the withdrawal amount is less than or equal to the account balance of the account information; If the withdrawal amount is less than or equal to the account balance, verify whether the customer information is consistent with the preset customer information in the account information; If the customer information is consistent with the preset customer information, it is determined that the input information meets the preset condition; If the customer information is inconsistent with the preset customer information, the cardless inter-bank transfer operation is terminated.

4. The inter-bank, inter-regional cardless cash withdrawal processing system according to claim 1 is characterized in that: The issuing bank server is further configured to receive a withdrawal result fed back by the automatic deposit and withdrawal device through the third-party service, and execute a corresponding account deduction operation based on the withdrawal result.

5. The inter-bank and inter-region cardless cash withdrawal processing system according to claim 1 is characterized in that: The automatic deposit and withdrawal device is further configured to detect whether the device itself can perform the withdrawal operation upon receiving the withdrawal instruction.

6. A method for processing inter-bank and inter-region cardless cash withdrawals, characterized in that: Applied to the withdrawal bank server, including: Receive a cardless cash withdrawal command from an automatic teller machine and the card issuing bank category selected by the customer; generating a corresponding pattern based on the cardless cash withdrawal command and the card issuing bank category, and sending the pattern to the automatic deposit and withdrawal device so that the customer can identify the pattern through a mobile terminal and obtain corresponding pattern information; authenticating the automatic deposit and withdrawal device according to the pattern information, and sending a success notification to the mobile terminal upon successful authentication, so that the mobile terminal obtains corresponding withdrawal information based on the success notification, and causing the card issuing bank server to generate a withdrawal instruction based on the withdrawal information and the pattern information and send the instruction to the automatic deposit and withdrawal device, thereby enabling the automatic deposit and withdrawal device to complete the withdrawal operation; The withdrawal information includes input information and account information, and the generating of a withdrawal instruction based on the withdrawal information and the pattern information and sending the instruction to the automatic deposit and withdrawal device includes: Verifying whether the input information meets the preset conditions according to the account information; When the input information meets the preset conditions, the withdrawal information is sent to the withdrawal bank server through a third-party server, so that the withdrawal bank server performs a secondary verification on the automatic deposit and withdrawal device according to the pattern information after receiving the withdrawal information, and sends a verification success notification to the issuing bank server after the secondary verification is passed, so that the issuing bank server generates a withdrawal instruction based on the withdrawal information and the pattern information, and sends the withdrawal instruction to the automatic deposit and withdrawal device.

7. A processing device for inter-bank and inter-region cardless cash withdrawal, characterized in that: Applied to a bank withdrawal server, the device comprises: A receiving module, configured to receive a cardless cash withdrawal command from an automatic deposit and withdrawal device and a card issuing bank category selected by a customer; a generating module, configured to generate a corresponding pattern based on the cardless cash withdrawal command and the card issuing bank category, and send the pattern to the automatic deposit and withdrawal device so that the customer can identify the pattern through a mobile terminal and obtain corresponding pattern information; an execution module, configured to authenticate the automatic deposit and withdrawal device based on the pattern information, and send a success notification to the mobile terminal upon successful authentication, so that the mobile terminal obtains corresponding withdrawal information based on the success notification, and to cause the issuing bank server to generate a withdrawal instruction based on the withdrawal information and the pattern information and send the instruction to the automatic deposit and withdrawal device, thereby enabling the automatic deposit and withdrawal device to complete the withdrawal operation; The withdrawal information includes input information and account information, and the generating of a withdrawal instruction based on the withdrawal information and the pattern information and sending the instruction to the automatic deposit and withdrawal device includes: Verifying whether the input information meets the preset conditions according to the account information; When the input information meets the preset conditions, the withdrawal information is sent to the withdrawal bank server through a third-party server, so that the withdrawal bank server performs a secondary verification on the automatic deposit and withdrawal device according to the pattern information after receiving the withdrawal information, and sends a verification success notification to the issuing bank server after the secondary verification is passed, so that the issuing bank server generates a withdrawal instruction based on the withdrawal information and the pattern information, and sends the withdrawal instruction to the automatic deposit and withdrawal device.

8. A terminal device, characterized in that: It includes a memory and a processor, the memory stores a computer program, and when the computer program runs on the processor, it executes the processing method of inter-bank and inter-regional cardless cash withdrawal as described in claim 6.

9. A readable storage medium, characterized in that: It stores a computer program, which, when running on a processor, executes the method for processing inter-bank and inter-regional cardless cash withdrawals as described in claim 6.

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