Account withdrawal method, device, equipment, storage medium and product

Abstract

The application discloses an account withdrawal method and device, equipment, storage medium and product. The account withdrawal method comprises the following steps: receiving a first withdrawal request for a target credit account initiated by a user based on a transaction terminal, wherein the first withdrawal request comprises account information of the target credit account and a first identity of a holder corresponding to the transaction terminal, the transaction terminal is bound with a target savings account, and the transaction terminal and the holder corresponding to the target savings account are the same; in response to the first withdrawal request, querying a second identity of a holder corresponding to the target credit account according to the account information; and in the case that the first identity and the second identity are the same, performing an operation of withdrawing from the target credit account to the target savings account. According to the embodiment of the application, the credit fund security can be improved while the credit fund compliance usage rate is improved.

Description

Technical Field

[0001] This application belongs to the field of financial technology, and in particular relates to an account withdrawal method, device, equipment, storage medium and product. Background Technology

[0002] The causes of predatory cash withdrawals from credit cards are complex, involving factors such as difficulties in social financing and intense competition in the payment market. Different behavioral patterns exhibit varying degrees of harm and impact; however, group-based and platform-based predatory cash withdrawals require focused governance and severe punishment.

[0003] Currently, there is no effective way to withdraw cash from accounts that can both prevent malicious withdrawals and alleviate reasonable personal cash flow needs. Therefore, it is impossible to improve the compliant use of credit funds while simultaneously enhancing the security of credit funds. Summary of the Invention

[0004] This application provides an account withdrawal method, apparatus, device, storage medium, and product that can improve the security of credit funds while increasing the compliant use rate of credit funds.

[0005] In a first aspect, embodiments of this application provide an account withdrawal method, applied to a card issuer server, the method comprising:

[0006] The system receives a first withdrawal request initiated by a user based on a transaction terminal for a target credit account. The first withdrawal request includes account information of the target credit account and a first identity identifier of the holder corresponding to the transaction terminal. The transaction terminal is bound to the target savings account, and the holder of the transaction terminal is the same as that of the target savings account.

[0007] In response to the first withdrawal request, the second identity identifier of the holder corresponding to the target credit account is queried based on the account information;

[0008] If the first identity identifier and the second identity identifier are the same, an operation to withdraw cash from the target credit account to the target savings account is performed.

[0009] Secondly, embodiments of this application provide an account withdrawal method applied to a transaction terminal, wherein the transaction terminal is bound to a target savings account, and the transaction terminal and the holder corresponding to the target savings account are the same. The method includes:

[0010] Receive the first input from the user to trigger a withdrawal operation on the target credit account;

[0011] In response to the first input, obtain the account information corresponding to the target credit account;

[0012] Collect the user's biometric information;

[0013] Send a second withdrawal request for the target credit account to the acquiring institution server corresponding to the transaction terminal;

[0014] The second withdrawal request includes the account information, the biometric information, and the terminal information of the transaction terminal. The second withdrawal request instructs the acquiring institution server to query the first identity identifier of the holder corresponding to the transaction terminal based on the terminal information, obtain a third identity identifier corresponding to the biometric information, and, if the first identity identifier and the third identity identifier are the same, send a first withdrawal request via the clearing institution server to the issuing institution server corresponding to the target credit account. This allows the issuing institution server to query the second identity identifier of the holder corresponding to the target credit account based on the account information, and, if the first identity identifier and the second identity identifier are the same, execute a withdrawal operation from the target credit account to the target savings account.

[0015] Thirdly, embodiments of this application provide an account withdrawal method applied to an acquiring institution's server, the method comprising:

[0016] The system receives a second withdrawal request sent by a transaction terminal for a target credit account. The second withdrawal request includes account information of the target credit account, biometric information of the user using the transaction terminal, and terminal information of the transaction terminal. The transaction terminal is bound to the target savings account, and the transaction terminal is the same as the holder of the target savings account.

[0017] In response to the second withdrawal request, the first identity identifier of the holder corresponding to the transaction terminal is queried based on the terminal information;

[0018] Obtain a third identity identifier corresponding to the biometric information;

[0019] If the first identity identifier is the same as the third identity identifier, a third withdrawal request for the target credit account is sent to the clearing institution server;

[0020] The third withdrawal request includes the terminal information, the account information, and the first identity identifier. The third withdrawal request is used to instruct the clearing institution server to obtain the registration information corresponding to the transaction terminal, and, if the terminal information and the first identity identifier are the same as the registration information, to send a first withdrawal request to the card issuer server corresponding to the target credit account. This allows the card issuer server to query the second identity identifier of the holder corresponding to the target credit account based on the account information, and, if the first identity identifier and the second identity identifier are the same, to perform a withdrawal operation from the target credit account to the target savings account.

[0021] Fourthly, embodiments of this application provide an account withdrawal method applied to a clearing institution's server, the method comprising:

[0022] The system receives a third withdrawal request initiated by a user based on a transaction terminal for a target credit account. The third withdrawal request includes account information of the target credit account, terminal information of the transaction terminal, and a first identity identifier of the holder corresponding to the transaction terminal. The transaction terminal is bound to the target savings account, and the holder of the transaction terminal is the same as that of the target savings account.

[0023] In response to the third withdrawal request, obtain the registration information corresponding to the transaction terminal;

[0024] If the terminal information and the first identity identifier are the same as the registration information, a first withdrawal request is sent to the card issuer server corresponding to the target credit account;

[0025] The first withdrawal request includes the account information and the first identity identifier. The first withdrawal request is used to instruct the card issuer server to query the second identity identifier of the holder corresponding to the target credit account based on the account information, and to perform a withdrawal operation from the target credit account to the target savings account if the first identity identifier and the second identity identifier are the same.

[0026] Fifthly, embodiments of this application provide an account withdrawal device applied to a card issuing institution server, the device comprising:

[0027] The first receiving module is used to receive a first withdrawal request initiated by a user based on a transaction terminal for a target credit account. The first withdrawal request includes account information of the target credit account and a first identity identifier of the holder corresponding to the transaction terminal. The transaction terminal is bound to the target savings account, and the holder of the transaction terminal is the same as that of the target savings account.

[0028] The first query module is used to respond to the first withdrawal request by querying the second identity identifier of the holder corresponding to the target credit account based on the account information;

[0029] The operation execution module is used to perform a cash withdrawal operation from the target credit account to the target savings account when the first identity identifier and the second identity identifier are the same.

[0030] Sixthly, embodiments of this application provide an account withdrawal device applied to a transaction terminal, wherein the transaction terminal is bound to a target savings account, and the transaction terminal and the holder corresponding to the target savings account are the same. The device includes:

[0031] The first input module is used to receive the first input from the user to trigger a withdrawal operation on the target credit account;

[0032] The first acquisition module is used to acquire account information corresponding to the target credit account in response to the first input.

[0033] The information collection module is used to collect the user's biometric information;

[0034] The first sending module is used to send a second withdrawal request for the target credit account to the acquiring institution server corresponding to the transaction terminal;

[0035] The second withdrawal request includes the account information, the biometric information, and the terminal information of the transaction terminal. The second withdrawal request instructs the acquiring institution server to query the first identity identifier of the holder corresponding to the transaction terminal based on the terminal information, obtain a third identity identifier corresponding to the biometric information, and, if the first identity identifier and the third identity identifier are the same, send a first withdrawal request via the clearing institution server to the issuing institution server corresponding to the target credit account. This allows the issuing institution server to query the second identity identifier of the holder corresponding to the target credit account based on the account information, and, if the first identity identifier and the second identity identifier are the same, execute a withdrawal operation from the target credit account to the target savings account.

[0036] Seventhly, embodiments of this application provide an account withdrawal device applied to an acquiring institution's server, the device comprising:

[0037] The second receiving module is used to receive a second withdrawal request sent by the transaction terminal for a target credit account. The second withdrawal request includes account information of the target credit account, biometric information of the user using the transaction terminal, and terminal information of the transaction terminal. The transaction terminal is bound to the target savings account, and the transaction terminal is the same as the holder of the target savings account.

[0038] The second query module is used to respond to the second withdrawal request and query the first identity identifier of the holder corresponding to the transaction terminal based on the terminal information;

[0039] The second acquisition module is used to acquire a third identity identifier corresponding to the biometric information;

[0040] The second sending module is used to send a third withdrawal request for the target credit account to the clearing institution server when the first identity identifier is the same as the third identity identifier.

[0041] The third withdrawal request includes the terminal information, the account information, and the first identity identifier. The third withdrawal request is used to instruct the clearing institution server to obtain the registration information corresponding to the transaction terminal, and, if the terminal information and the first identity identifier are the same as the registration information, to send a first withdrawal request to the card issuer server corresponding to the target credit account. This allows the card issuer server to query the second identity identifier of the holder corresponding to the target credit account based on the account information, and, if the first identity identifier and the second identity identifier are the same, to perform a withdrawal operation from the target credit account to the target savings account.

[0042] Eighthly, embodiments of this application provide an account withdrawal device applied to a clearing institution server, the device comprising:

[0043] The third receiving module is used to receive a third withdrawal request initiated by a user based on a transaction terminal for a target credit account. The third withdrawal request includes account information of the target credit account, terminal information of the transaction terminal, and a first identity identifier of the holder corresponding to the transaction terminal. The transaction terminal is bound to the target savings account, and the holder corresponding to the transaction terminal is the same as that of the target savings account.

[0044] The third acquisition module is used to acquire the registration information corresponding to the transaction terminal in response to the third withdrawal request;

[0045] The third sending module is used to send a first withdrawal request to the card issuing institution server corresponding to the target credit account when the terminal information and the first identity identifier are the same as the registration information.

[0046] The first withdrawal request includes the account information and the first identity identifier. The first withdrawal request is used to instruct the card issuer server to query the second identity identifier of the holder corresponding to the target credit account based on the account information, and to perform a withdrawal operation from the target credit account to the target savings account if the first identity identifier and the second identity identifier are the same.

[0047] Ninthly, embodiments of this application provide an electronic device, which includes: a processor and a memory storing computer program instructions;

[0048] When the processor executes the computer program instructions, it implements the steps of the account withdrawal method as described in any one of the embodiments of the first to fourth aspects.

[0049] In a tenth aspect, embodiments of this application provide a computer-readable storage medium storing computer program instructions that, when executed by a processor, implement the steps of the account withdrawal method as described in any one of the embodiments of the first to fourth aspects.

[0050] In the eleventh aspect, embodiments of this application provide a computer program product in which instructions, when executed by a processor of an electronic device, cause the electronic device to perform the steps of the account withdrawal method as described in any one of the embodiments of the first to fourth aspects.

[0051] The account withdrawal method, apparatus, device, storage medium, and product in this application embodiment, upon receiving a first withdrawal request from a user based on a transaction terminal for a target credit account from the issuing institution's server, queries the second identity identifier of the holder corresponding to the target credit account based on the account information carried in the request. Only when the first identity identifier of the holder corresponding to the transaction terminal matches the second identity identifier—that is, when the holder corresponding to the target credit account is the same as the holder corresponding to the transaction terminal—is the withdrawal operation performed from the target credit account to the target savings account bound to the transaction terminal. Since the holder corresponding to the target savings account is also the same as the holder corresponding to the transaction terminal, this application embodiment only performs the credit fund withdrawal operation after verifying that the holders corresponding to the target credit account, the transaction terminal, and the bound target savings account are consistent. This allows for the prevention of improper withdrawal behavior while simultaneously addressing reasonable personal cash flow needs, mitigating and preventing risks such as information leakage caused by improper withdrawal behavior, and ultimately improving the security and compliant use of credit funds. Attached Figure Description

[0052] To more clearly illustrate the technical solutions of the embodiments of this application, the accompanying drawings used in the embodiments of this application will be briefly introduced below. For those skilled in the art, other drawings can be obtained based on these drawings without creative effort.

[0053] Figure 1 This is a flowchart illustrating an account withdrawal method under a system architecture provided in this application;

[0054] Figure 2 This is a flowchart illustrating the account withdrawal method provided in the embodiment of the first aspect of this application;

[0055] Figure 3 This is a flowchart illustrating the account withdrawal method provided in the embodiment of the second aspect of this application;

[0056] Figure 4 This is a schematic diagram of one of the transaction type selection interfaces provided in this application;

[0057] Figure 5 This is a schematic diagram of one interface for the fund usage registration interface provided in this application;

[0058] Figure 6 This is a schematic diagram of one of the face recognition verification interfaces provided in this application;

[0059] Figure 7 This is a flowchart illustrating the account withdrawal method provided in an embodiment of the third aspect of this application;

[0060] Figure 8 This is a flowchart illustrating the account withdrawal method provided in the embodiment of the fourth aspect of this application;

[0061] Figure 9 This is a schematic diagram of the structure of the account withdrawal device provided in the embodiment of the first aspect of this application;

[0062] Figure 10 This is a schematic diagram of the structure of the account withdrawal device provided in the embodiment of the second aspect of this application;

[0063] Figure 11 This is a schematic diagram of the structure of the account withdrawal device provided in the embodiment of the third aspect of this application;

[0064] Figure 12 This is a schematic diagram of the structure of the account withdrawal device provided in the embodiment of the fourth aspect of this application;

[0065] Figure 13 This is a schematic diagram of the structure of an electronic device provided in one embodiment of this application. Detailed Implementation

[0066] The features and exemplary embodiments of various aspects of this application will be described in detail below. To make the objectives, technical solutions, and advantages of this application clearer, the application will be further described in detail below with reference to the accompanying drawings and specific embodiments. It should be understood that the specific embodiments described herein are only intended to explain this application and not to limit it. For those skilled in the art, this application can be implemented without some of these specific details. The following description of the embodiments is merely to provide a better understanding of this application by illustrating examples.

[0067] It should be noted that, in this document, relational terms such as "first" and "second" are used merely to distinguish one entity or operation from another, and do not necessarily require or imply any such actual relationship or order between these entities or operations. Furthermore, the terms "comprising," "including," or any other variations thereof are intended to cover non-exclusive inclusion, such that a process, method, article, or apparatus that comprises a list of elements includes not only those elements but also other elements not expressly listed, or elements inherent to such a process, method, article, or apparatus. Without further limitations, an element defined by the phrase "comprising..." does not exclude the presence of additional identical elements in the process, method, article, or apparatus that includes said element.

[0068] To address the problems of existing technologies, embodiments of this application provide an account withdrawal method, apparatus, device, storage medium, and product. This account withdrawal method can be applied to scenarios involving the withdrawal of credit funds from a credit account. The account withdrawal method provided in this application embodiment will first be described in conjunction with the system architecture.

[0069] Figure 1 This is a flowchart illustrating an account withdrawal method under a system architecture provided in this application.

[0070] like Figure 1 As shown, the system architecture may include transaction terminals, acquiring institution servers, clearing institution servers, and issuing institution servers. The transaction terminal can be, for example, a POS (Point of Sale) machine; further, it can be a dedicated POS machine for cash withdrawals from credit accounts. Of course, the transaction terminal can also exist in the form of an app, QR code, etc. The acquiring institution server can be the back-end server of an acquiring institution, which may be the institution providing POS machines to users. The clearing institution server can be the back-end server of a clearing institution, which may be the institution capable of clearing funds between accounts corresponding to different issuing institutions. The issuing institution server can be the back-end server of an issuing institution, which may be the institution capable of opening credit accounts.

[0071] Based on this architecture, the account withdrawal method provided in this application embodiment may, for example, involve: a transaction terminal receiving a first input from a user triggering a withdrawal operation on a target credit account; the transaction terminal responding to the first input obtaining account information corresponding to the target credit account; the transaction terminal collecting the user's biometric information; the transaction terminal sending a second withdrawal request for the target credit account to an acquiring institution server corresponding to the transaction terminal; the acquiring institution server responding to the second withdrawal request querying a first identity identifier of the holder corresponding to the transaction terminal based on the terminal information; the acquiring institution server obtaining a third identity identifier corresponding to the biometric information; if the first identity identifier and the third identity identifier are the same, the acquiring institution server sending a third withdrawal request for the target credit account to a clearing institution server; the clearing institution server responding to the third withdrawal request obtaining registration information corresponding to the transaction terminal; if the terminal information and the first identity identifier are the same as the registration information, the clearing institution server sending a first withdrawal request to an issuing institution server corresponding to the target credit account; the issuing institution server responding to the first withdrawal request querying a second identity identifier of the holder corresponding to the target credit account based on the account information; and the issuing institution server, if the first identity identifier and the second identity identifier are the same, performing a withdrawal operation from the target credit account to the target savings account.

[0072] The first withdrawal request includes the account information of the target credit account and the primary identity identifier of the holder corresponding to the transaction terminal. The second withdrawal request includes account information, biometric information, and the terminal information of the transaction terminal. The third withdrawal request includes terminal information, account information, and the primary identity identifier. Furthermore, the transaction terminal is linked to the target savings account, and the holder of the transaction terminal and the target savings account are the same.

[0073] The steps performed on different sides are described in detail below.

[0074] Figure 2 This is a schematic flowchart illustrating an account withdrawal method provided in an embodiment of the first aspect of this application. This account withdrawal method can be executed by the card issuer's server.

[0075] like Figure 2 As shown, the withdrawal method for this account may specifically include the following steps:

[0076] S210. Receive a first withdrawal request initiated by a user based on a transaction terminal for a target credit account, wherein the first withdrawal request includes account information of the target credit account and a first identity identifier of the holder corresponding to the transaction terminal, the transaction terminal is bound to the target savings account, and the holder corresponding to the transaction terminal and the target savings account is the same.

[0077] S220. In response to the first withdrawal request, query the second identity identifier of the holder corresponding to the target credit account based on the account information;

[0078] S230. If the first identity identifier and the second identity identifier are the same, perform the operation of withdrawing cash from the target credit account to the target savings account.

[0079] Therefore, upon receiving a first withdrawal request from a user to a target credit account initiated by a user through a transaction terminal, the issuing institution's server queries the second identity identifier of the holder corresponding to the target credit account based on the account information carried in the request. Only if the first identity identifier of the holder corresponding to the transaction terminal matches the second identity identifier—that is, if the holder corresponding to the target credit account is the same as the holder corresponding to the transaction terminal—is the withdrawal operation executed from the target credit account to the target savings account bound to the transaction terminal. Since the holder corresponding to the target savings account is also the same as the holder corresponding to the transaction terminal, this embodiment of the application executes the credit fund withdrawal operation only after verifying that the holders corresponding to the target credit account, the transaction terminal, and the bound target savings account are consistent. This allows for the prevention of improper withdrawals while addressing reasonable personal cash flow needs, mitigating and preventing risks such as information leakage caused by improper withdrawals, and ultimately improving the security and compliant use of credit funds.

[0080] The specific implementation methods for each of the above steps are described below.

[0081] In some implementations, in S210, the target credit account can be an account corresponding to the target credit card. The first withdrawal request can be a request initiated by the transaction terminal and forwarded through the acquiring institution server and the clearing institution server. This first withdrawal request may include account information of the target credit account and the identity identifier of the holder of the transaction terminal, i.e., a first identity identifier. The identity identifier involved in this application embodiment can be information that can uniquely identify a user, such as an ID card number. Additionally, the account information may include transaction data, such as transaction card number, transaction amount, transaction time, payment method, and encrypted transaction password. The transaction card number may include the target credit card number or the target debit card number bound to the transaction terminal. In the withdrawal scenario, the transaction amount can be the withdrawal amount, and the transaction time can be the withdrawal time.

[0082] In some examples, when a user triggers a withdrawal operation for a target credit account on a POS machine, the transaction terminal can send a withdrawal request for the target credit account to the acquiring institution's server. The acquiring institution's server then forwards the withdrawal request to the clearing institution's server, which in turn sends the first withdrawal request to the issuing institution's server corresponding to the target credit account. In this way, the issuing institution's server can receive the first withdrawal request for the target credit account initiated by the user based on the transaction terminal.

[0083] In addition, before triggering the withdrawal operation, the holder of the target credit account must first apply to the issuing institution of the target credit account for "credit account withdrawal" service permission. Based on this, in some embodiments, prior to S210 above, the account withdrawal method provided in this application embodiment may further include:

[0084] Receive a withdrawal authorization request from a first terminal for a target credit account; respond to the withdrawal authorization request by sending a fund usage questionnaire to the first terminal to instruct the user to fill out the questionnaire based on the first terminal and obtain the survey results; receive the survey results sent by the first terminal; score the user's fund usage intention based on the survey results and obtain a score value corresponding to the user; if the score value is greater than a preset threshold, grant withdrawal access to the target credit account.

[0085] Here, the first terminal can be any operating terminal capable of applying for withdrawal service permissions. The issuing institution must conduct a thorough investigation into the applicant user's intended use of the funds, designing a questionnaire to inquire about the applicant user's true purpose for withdrawing the funds before providing the customer agreement.

[0086] For example, in a questionnaire about the use of funds, the question design logic is that the questions include all possible uses of funds, such as reasonable and compliant uses of funds, as well as unreasonable and compliant uses of funds. The same use of funds appears in different ways, and the complexity of the questions is kept as consistent as possible. The applicant selects whether the use of funds is compliant or not. The total score of the selection results and / or the time spent answering each question are analyzed to score the applicant's intention to use the funds. Then, a preset threshold and other conditions are combined to determine whether the applicant can pass the approval.

[0087] In some implementations, the survey results may include questionnaire response results and the time spent answering questions. The questionnaire response results may include at least one of a positive intention set, a negative intention set, and a lying intention set. Here, the positive intention set may include at least one of a set of questions for which the respondents agreed with the reasonable use of funds and a set of questions for which the respondents disagreed with the unreasonable use of funds; the negative intention set may include at least one of a set of questions for which the respondents disagreed with the reasonable use of funds and a set of questions for which the respondents agreed with the unreasonable use of funds; and the lying intention set may include a set of questions for which responses were inconsistent.

[0088] Based on this, in some examples, the formula for calculating the applicant's rating S can be:

[0089]

[0090] Where 0 ≤ λ + μ < 1, λ and μ are harmonic coefficients; M is the set of positive intentions of applicants, which can specifically include the set of questions in which the answer is to agree with the reasonable use of funds, and the set of questions in which the answer is to disagree with the unreasonable use of funds; N is the set of negative intentions of applicants, which can specifically include the set of questions in which the answer is to disagree with the reasonable use of funds, and the set of questions in which the answer is to agree with the unreasonable use of funds; O is the set of intentions of applicants to lie, that is, the situation where the answer to the same question is inconsistent, which can specifically include the set of questions in which the answer to the same question is inconsistent. The normalized answering time for the i-th question; u i This represents the weight corresponding to the i-th question.

[0091] Thus, after calculating the applicant's score, it can be determined whether to grant the target credit account withdrawal permission based on whether the score is greater than a preset threshold.

[0092] In addition, before a user can trigger a withdrawal operation on the target credit account on the transaction terminal, they need to apply to the acquiring institution for a transaction terminal and bind their savings account, i.e., the target savings account, to the transaction terminal. This target savings account can be, for example, the account corresponding to a debit card.

[0093] For example, a user can apply to an acquiring institution for a dedicated transaction terminal for cash withdrawals from their credit account, registered under their own name. Simultaneously, the user's own debit card is linked as the merchant's settlement card to ensure that the transaction terminal is registered under the same holder as the target savings account it is linked to. Furthermore, it must be ensured that the merchant's legal representative does not change more than two debit cards as settlement cards within 30 days, and that the same transaction terminal cannot be used to swipe more than four different credit cards within 30 days. Failure to comply will trigger a risk warning regarding the repeated use of credit cards, and the acquiring institution will take appropriate measures based on the actual investigation.

[0094] In some implementations, in S220, the second identity identifier may be the identity identifier of the holder corresponding to the target credit account.

[0095] For example, after receiving the first withdrawal request, the card issuer server can query the identity identifier of the holder corresponding to the target credit account, i.e., the second identity identifier, based on the account information of the target credit account included therein.

[0096] In some implementations, in S230, after retrieving the identity identifier of the legitimate holder of the target credit account, i.e., the second identity identifier, the issuing institution server can perform a consistency verification between the first and second identity identifiers to check whether the holder of the transaction terminal is the same as the holder of the target credit account. If the verification result is inconsistent, the withdrawal transaction is rejected and a failure response is returned, such as an error message indicating "non-same name transaction"; if the verification result is consistent, the operation of withdrawing cash from the target credit account to the target savings account can be executed.

[0097] For example, to enhance the security of cash withdrawal operations, card issuers may verify other transaction elements before executing the withdrawal, such as transaction amount, PIN (Personal Identification Number), card information, and withdrawal transaction limit. The account information included in the first withdrawal request may contain information related to the aforementioned elements. If the verification is successful, the withdrawal operation from the target credit account to the target savings account is executed.

[0098] Furthermore, to further enhance the security of credit fund withdrawal operations, after the aforementioned verification is passed, an anomaly check can be performed on the target credit account before executing the withdrawal operation. Based on this, in some embodiments, the first withdrawal request may also include financial business behavior information of the holder corresponding to the transaction terminal. This financial business behavior information may include, for example, the business behavior factors of the corresponding user matched and added by the clearing institution server based on the first identity identifier, as well as information indicating the user's financial business behavior such as bad behavior tags.

[0099] Accordingly, the above-mentioned S230 may specifically include:

[0100] The system detects whether the target credit account is abnormal based on financial transaction information; if the target credit account is normal, it executes the cash withdrawal operation from the target credit account to the target savings account.

[0101] For example, financial business behavior information can be detected based on a preset rule model to determine whether the target credit account is abnormal. If it is abnormal, a failure response is returned. If there is no abnormality, the operation of withdrawing cash from the target credit account to the target savings account is executed, and a transaction success response is returned after the withdrawal is successful.

[0102] Furthermore, to prevent improper withdrawals, this application embodiment also verifies the purpose of the withdrawn credit funds. Based on this, in some embodiments, the first withdrawal request may also include the purpose of the withdrawal funds input by the user through the transaction terminal. Here, when the user triggers a withdrawal operation for the target credit account on the transaction terminal, they can input the corresponding purpose of the withdrawal funds so that the issuing institution can verify the actual use of the withdrawn target funds after the withdrawal.

[0103] Accordingly, following S230 above, the account withdrawal method provided in this application embodiment may further include:

[0104] Obtain the actual use of the target funds withdrawn from the target credit account to the target savings account; if the purpose of the withdrawal differs from the actual purpose, impose penalties on the holder of the target credit account.

[0105] For example, the issuing institution's server can periodically send actual fund usage query requests to the clearing institution's server to obtain the actual fund usage of funds withdrawn from the target credit account, which may include the actual fund usage of the target funds withdrawn in this instance. The clearing institution can assist the issuing institution in periodically verifying in batches the actual fund usage of each withdrawal and comparing it with the withdrawal fund usage registered when the withdrawal operation is triggered at the transaction terminal to determine whether the withdrawal fund usage is consistent with the actual fund usage. If there is an inconsistency, the issuing institution can take punitive actions such as early repayment, adding to the withdrawal business gray list, and reducing the credit limit according to the agreement execution requirements.

[0106] In addition, after executing a cash withdrawal, the issuing institution can add a new "Credit Account Cash Withdrawal" transaction type. This allows them to treat the cash withdrawal transaction as a "Credit Account Cash Withdrawal" transaction and initiate a credit transaction for that type. Funds, after deducting the cash withdrawal management fee, will be credited to the merchant's settlement card on a T+0 basis. The cash withdrawal management fee dynamically changes based on business promotion needs, and the rate is linked to the current Loan Prime Rate (LPR). The business coefficient can be dynamically adjusted according to business promotion progress. If the target credit account and the target savings account are not from the same issuing institution, a handling fee will also be charged. This fee can be consistent with the existing interbank transaction standard rate. These fees can be collected by the issuing institution from the holder of the target credit account through the acquiring institution and cleared online by the clearing and settlement institution.

[0107] Figure 3 This is a flowchart illustrating an account withdrawal method provided in an embodiment of the second aspect of this application. This account withdrawal method can be executed by a transaction terminal. The transaction terminal is bound to the target savings account, and the transaction terminal and the holder corresponding to the target savings account are the same.

[0108] like Figure 3 As shown, the withdrawal method for this account may specifically include the following steps:

[0109] S310, Receive the first input from the user to trigger a withdrawal operation on the target credit account;

[0110] S320, In response to the first input, obtain the account information corresponding to the target credit account;

[0111] S330, Collect user's biometric information;

[0112] S340. Send a second withdrawal request for the target credit account to the acquiring institution server corresponding to the transaction terminal. The second withdrawal request includes account information, biometric information and terminal information of the transaction terminal.

[0113] The second withdrawal request is used to instruct the acquiring institution server to query the first identity identifier of the holder corresponding to the transaction terminal based on the terminal information, obtain the third identity identifier corresponding to the biometric information, and, if the first identity identifier and the third identity identifier are the same, send the first withdrawal request to the issuing institution server corresponding to the target credit account via the clearing institution server, so that the issuing institution server can query the second identity identifier of the holder corresponding to the target credit account based on the account information, and, if the first identity identifier and the second identity identifier are the same, execute the operation of withdrawing cash from the target credit account to the target savings account.

[0114] Therefore, by obtaining account information corresponding to the target credit account in the transaction terminal and collecting the user's biometric information, a second withdrawal request, including account information, biometric information, and terminal information, is sent to the acquiring institution's server. This allows the acquiring institution's server to verify whether the holder of the transaction terminal and the current user are consistent based on the sent information. If they are consistent, the acquiring institution's server continues to send a first withdrawal request to the issuing institution's server corresponding to the target credit account via the clearing institution's server. Only after the issuing institution's server verifies that the holder of the target credit account is consistent with the holder of the transaction terminal is the withdrawal of credit funds executed. Thus, since this embodiment of the application only executes the withdrawal of credit funds when the holders of the transaction terminal user, the target credit account, the transaction terminal, and its bound target savings account are all consistent, the security of the credit fund withdrawal operation can be further improved.

[0115] The specific implementation methods for each of the above steps are described below.

[0116] In some implementations, in S310, the first input may be an input from the user triggering a withdrawal operation on the target credit account on the transaction terminal. For example, it may be an input from the user swiping, inserting, or swiping a credit card.

[0117] For example, before the first input, such as Figure 4 As shown, the transaction terminal's display interface can show the "Cross-bank Credit Card Cash Withdrawal" transaction type for users to select. After the user selects the transaction type and clicks confirm, the transaction terminal can execute the transaction processing mode corresponding to the payment method of that transaction type.

[0118] In the transaction processing mode corresponding to the payment method of "interbank cash withdrawal with credit card", the transaction terminal can prompt the user to enter the transaction amount, that is, the cash withdrawal amount. After the user enters the transaction amount, he / she can follow the prompts of the transaction terminal to perform the card tapping, card insertion or card swiping operation.

[0119] In addition, to facilitate verification of the purpose of the withdrawn funds later, in some embodiments, before S310 above, the account withdrawal method provided in this application embodiment may further include:

[0120] The system receives a second input from a user triggering the entry into the credit account withdrawal mode; in response to the second input, it displays multiple fund usage options; it receives a third input from the user selecting at least one target fund usage option from the multiple fund usage options; in response to the third input, it obtains the fund usage corresponding to at least one target fund usage option, thus obtaining the withdrawal fund usage; wherein, the second withdrawal request and the first withdrawal request also include the withdrawal fund usage, and the first withdrawal request is used to instruct the card issuer server to obtain the actual fund usage of the target funds withdrawn from the target credit account to the target savings account, and to perform a penalty operation on the holder corresponding to the target credit account if the withdrawal fund usage is different from the actual fund usage.

[0121] Here, the second input could be, for example, the input where the user selects the transaction type "interbank cash withdrawal with credit card" and clicks confirm, and the cash withdrawal mode of the credit account could be the transaction processing mode corresponding to the payment method of this transaction type.

[0122] In addition, users can select one or multiple uses when choosing the purpose of funds, without any restrictions. The available uses include, but are not limited to, business operations, large-scale consumption, financing, home renovation and building materials, automobiles, travel and consumption, furniture and home appliances, education and further education, wedding services, emergency funds, and others.

[0123] For example, after a user selects "interbank cash withdrawal with credit card" as the transaction type on the transaction terminal and clicks confirm, the following can be displayed: Figure 5 The displayed interface shows multiple options for the intended use of funds, each with a corresponding selection control. Users can select the appropriate option by clicking the selection control. Based on this, users can choose according to their actual purpose of the funds and click the confirmation button. The transaction terminal can obtain and record the selected purpose of funds as the user's input withdrawal purpose. Afterwards, the user can continue to enter the transaction amount and perform a swipe, insert, or tap on their card to trigger the withdrawal operation to the target credit account.

[0124] In some implementations, in step S320, the transaction terminal can read the information of the target credit card used by the user to obtain the account information of the target credit account corresponding to the target credit card. This account information may include the transaction data described in the foregoing related descriptions, and the transaction data may further include the purpose of the cash withdrawal entered by the user.

[0125] Alternatively, users can enter the payment PIN for the target credit card as prompted by the transaction terminal. If the entered PIN is less than 4 characters, the confirmation will be invalid; if no PIN is entered, confirmation will proceed directly.

[0126] In some implementations, during step S330, to facilitate verification of the identity of the user currently using the transaction terminal, the transaction terminal may also collect the user's biometric information for subsequent verification. This biometric information may include at least one of facial information, fingerprint information, iris information, etc.

[0127] For example, taking facial information collection as an example, after the user enters their payment password, the transaction terminal's display interface can show a prompt message indicating that a live facial image needs to be collected, such as... Figure 6 As shown, users can have their facial images captured on the trading terminal to obtain their facial information.

[0128] In some implementations, in S340, after obtaining account information and biometric information, the transaction terminal can send a second withdrawal request for the target credit account to the backend server, i.e., the acquiring institution server.

[0129] In addition to the account information and biometric information obtained by the trading terminal, the second withdrawal request may also include the trading terminal's own terminal information. Specifically, this terminal information may include the terminal serial number, terminal IP (Internet Protocol) address, and terminal MAC (Media Access Control Address), among other things.

[0130] In addition, to further enhance the security of withdrawal operations and ensure that the transaction terminal is used by the holder, preventing unauthorized activities such as selling, lending, or relocating the terminal, the location of the transaction terminal can be verified during the withdrawal process. Based on this, in some embodiments, prior to S340 above, the account withdrawal method provided in this application may further include:

[0131] The transaction terminal is located and detected to obtain the terminal location information corresponding to the transaction terminal; the second withdrawal request also includes the terminal location information. The second withdrawal request is also used to instruct the acquiring institution server to obtain the registration location information corresponding to the transaction terminal when the first identity identifier and the third identity identifier are the same, and to send the first withdrawal request to the issuing institution server corresponding to the target credit account via the clearing institution server when the terminal location information and the registration location information match.

[0132] For example, the trading terminal can be located using GPS (Global Positioning System) to obtain its current GPS coordinates, which serve as its terminal location information. Based on this, the second withdrawal request may include not only the aforementioned information but also the terminal location information.

[0133] In this way, by detecting the location of the transaction terminal and obtaining its location information, it is easier to verify the terminal's location on the acquiring institution's server, ensuring that the transaction terminal is in a safe state and preventing illegal activities such as selling, lending, or relocating the transaction terminal, thereby further improving the security of withdrawal operations.

[0134] Furthermore, before sending a second withdrawal request for the target credit account to the acquiring institution's server, the transaction terminal can encrypt the information contained in the second withdrawal request. For example, it can encrypt biometric information, transaction data, terminal information, and terminal location information to obtain encrypted information. In this way, the transaction terminal can transmit the aforementioned information in encrypted form when sending it to the acquiring institution's server, thus improving transmission security.

[0135] Figure 7 This is a flowchart illustrating an account withdrawal method provided in an embodiment of the third aspect of this application. This account withdrawal method can be executed by an acquiring institution's server.

[0136] like Figure 7 As shown, the withdrawal method for this account may specifically include the following steps:

[0137] S710. Receive a second withdrawal request sent by the transaction terminal for the target credit account, wherein the second withdrawal request includes the account information of the target credit account, the biometric information of the user using the transaction terminal, and the terminal information of the transaction terminal, the transaction terminal is bound to the target savings account, and the holder of the transaction terminal and the target savings account are the same.

[0138] S720: In response to the second withdrawal request, query the first identity identifier of the holder corresponding to the transaction terminal based on the terminal information;

[0139] S730. Obtain a third identity identifier corresponding to the biometric information;

[0140] S740. If the first identity identifier and the third identity identifier are the same, a third withdrawal request for the target credit account is sent to the clearing institution server. The third withdrawal request includes terminal information, account information and the first identity identifier.

[0141] The third withdrawal request is used to instruct the clearing institution server to obtain the registration information corresponding to the transaction terminal, and, if the terminal information and the first identity identifier are the same as the registration information, to send the first withdrawal request to the card issuer server corresponding to the target credit account, so that the card issuer server can query the second identity identifier of the holder corresponding to the target credit account based on the account information, and, if the first identity identifier and the second identity identifier are the same, to perform the operation of withdrawing cash from the target credit account to the target savings account.

[0142] Therefore, by using the terminal information and biometric information sent by the transaction terminal, the acquiring institution's server verifies whether the primary identity of the transaction terminal holder matches the secondary identity of the current user. If they match, a third withdrawal request is sent to the clearing institution's server. This instructs the clearing institution's server to send a first withdrawal request to the issuing institution's server corresponding to the target credit account after successful verification of the registration information. Only after the issuing institution's server verifies that the target credit account matches the holder corresponding to the transaction terminal is the withdrawal of credit funds executed. Thus, because this embodiment of the application only executes the withdrawal of credit funds when the holders of the transaction terminal user, the target credit account, the transaction terminal, and its linked target savings account all match, it can verify whether the transaction terminal is being used by the holder themselves, preventing illegal activities such as sale or lending, thereby further enhancing the security of credit fund withdrawal operations.

[0143] The specific implementation methods for each of the above steps are described below.

[0144] In some implementations, in S710, the second withdrawal request may be a withdrawal request sent by the transaction terminal for the target credit account. For a detailed explanation, please refer to the relevant sections above, which will not be repeated here.

[0145] In some implementations, in S720, after receiving the second withdrawal request, the acquiring institution server can extract terminal information from the second withdrawal request and query the identity identifier of the legal holder corresponding to the transaction terminal, i.e., the first identity identifier, based on the terminal information.

[0146] In some implementations, in S730, the acquiring institution server can also extract the biometric information of the current user of the transaction terminal from the second withdrawal request, and query the identity identifier of the current user of the transaction terminal, i.e., the third identity identifier, based on the biometric information. For example, taking a facial image as the biometric information, the facial image can be recognized to determine the identity identifier corresponding to the facial features, thereby obtaining the third identity identifier corresponding to the current user of the transaction terminal.

[0147] In addition, to ensure that the collected biometric information belongs to the user, a liveness detection can be performed on the biometric information. Based on this, in some implementations, the above-mentioned S730 may specifically include:

[0148] The biometric information is subjected to liveness detection to obtain the detection result; if the detection result is that the liveness detection is passed, the biometric information is identified to obtain a third identity identifier corresponding to the biometric information.

[0149] For example, after receiving the uploaded biometric information, the acquiring institution's server can first perform a liveness detection on the biometric information to prevent other users from impersonating the legitimate holder of the transaction terminal using other methods. Taking a facial image as an example, a liveness detection can be performed on the facial image to prevent other users from capturing facial images while holding a photo of the legitimate holder.

[0150] If the detected biometric information is from a living organism (i.e., the liveness detection passes), the biometric information can continue to be identified to obtain the corresponding third-party identity identifier. If the detected biometric information is not from a living organism (i.e., the liveness detection fails), the withdrawal process can be terminated, and a withdrawal failure message will be returned to the transaction terminal.

[0151] In this way, by conducting liveness detection, it can be ensured that the collected biometric information is the user's own, thereby preventing other users from impersonating the legitimate holder of the transaction terminal and further improving the security of withdrawal operations.

[0152] In some implementations, in S740, the acquiring institution server can compare the first identity identifier and the third identity identifier to detect whether the holder of the transaction terminal is the same as the current user. If the first identity identifier and the third identity identifier are different, a "verification of identity failed" message can be returned to the transaction terminal, and the withdrawal operation process can be terminated; if the first identity identifier and the third identity identifier are the same, a third withdrawal request for the target credit account can be sent to the clearing institution server.

[0153] Furthermore, to further enhance the security of withdrawal operations and ensure that the transaction terminal is used by the holder, preventing unauthorized activities such as selling, lending, or relocating the terminal, the location of the transaction terminal can be verified during the withdrawal process. Based on this, in some embodiments, the second withdrawal request may also include the terminal's location information. Accordingly, the aforementioned S740 may specifically include:

[0154] Obtain the registration location information corresponding to the trading terminal; if the terminal location information matches the registration location information, send a third withdrawal request for the target credit account to the clearing institution server.

[0155] Here, if the first and third identity identifiers are identical, the acquiring institution server can further verify the current location information of the transaction terminal, that is, match it with the registration location information reserved during the registration and activation process. If there are no anomalies, that is, if the terminal location information matches its registration location information, the acquiring institution server can generate a transaction message of the "credit card cash withdrawal deduction" transaction type using the identity identifier of the legitimate holder of the transaction terminal, i.e., the first identity identifier, and some or all of the information carried in the second withdrawal request, and send it to the clearing institution server to send a third withdrawal request. The matching of location information includes, but is not limited to, the two corresponding location coordinates being the same, or the corresponding coordinate difference being within a preset range.

[0156] In this way, location verification ensures that the trading terminal is being used by the owner, preventing illegal activities such as selling, lending, or relocating the terminal, thereby further improving the security of withdrawal operations.

[0157] Figure 8 This is a flowchart illustrating an account withdrawal method provided in an embodiment of the fourth aspect of this application. This account withdrawal method can be executed by a clearinghouse server.

[0158] like Figure 8 As shown, the withdrawal method for this account may specifically include the following steps:

[0159] S810. Receive a third withdrawal request initiated by a user based on a transaction terminal for a target credit account. The third withdrawal request includes account information of the target credit account, terminal information of the transaction terminal, and the first identity identifier of the holder corresponding to the transaction terminal. The transaction terminal is bound to the target savings account, and the holder corresponding to the transaction terminal is the same as that of the target savings account.

[0160] S820: In response to a third withdrawal request, obtain the registration information corresponding to the transaction terminal;

[0161] S830. If the terminal information and the first identity identifier are the same as the registration information, a first withdrawal request is sent to the card issuer server corresponding to the target credit account. The first withdrawal request includes account information and the first identity identifier.

[0162] The first withdrawal request is used to instruct the card issuer's server to query the second identity identifier of the holder corresponding to the target credit account based on the account information, and, if the first identity identifier and the second identity identifier are the same, to perform the operation of withdrawing cash from the target credit account to the target savings account.

[0163] For example, upon receiving a third withdrawal request, the clearinghouse server can compare the terminal information, the first identity identifier, and the transaction type corresponding to the transaction issuing the request carried in the third withdrawal request with the registration information submitted by the acquiring institution server during the previous registration of the trading terminal. The terminal information may specifically be, for example, a device serial number. The registration information may include, for example, the terminal information reported by the acquiring institution server during the registration of the trading terminal and the identity identifier of the corresponding legitimate holder.

[0164] For example, taking the device serial number as the specific terminal information, the clearing institution server can compare the device serial number, transaction type, and primary identity identifier currently submitted by the transaction terminal with the device serial number and terminal holder identity identifier reported by the acquiring institution server during the initial registration of the transaction terminal. If they do not match, the transaction is intercepted in real time, and the withdrawal process is terminated; if they match, some or all of the information carried in the third withdrawal request is forwarded to the issuing institution server corresponding to the target credit account, so as to send the first withdrawal request for the target credit account to the issuing institution server.

[0165] Therefore, the clearing institution server further verifies the terminal information of the transaction terminal and the primary identity identifier of the holder corresponding to the transaction terminal based on the registration information of the transaction terminal. If the verification is consistent, a first withdrawal request is sent to the corresponding card issuer server. This instructs the card issuer server to verify that the target credit account matches the holder corresponding to the transaction terminal before executing the withdrawal operation. Thus, because this embodiment only executes the withdrawal operation when the information related to the transaction terminal is verified and the holders of the target credit account, the transaction terminal, and its bound target savings account are all consistent, the possibility of tampering with the terminal information and primary identity identifier is reduced, thereby further improving the security of the credit withdrawal operation.

[0166] In addition, to facilitate the subsequent detection of abnormal behavior of the target credit account by the card issuer's server, in some embodiments, before S830 above, the account withdrawal method provided in this application embodiment may further include:

[0167] Obtain financial business behavior information of the holder corresponding to the transaction terminal; wherein, the first withdrawal request also includes financial business behavior information, and the first withdrawal request is also used to instruct the card issuer server to detect whether the target credit account is abnormal based on the financial business behavior information, and if the target credit account is not abnormal, execute the operation of withdrawing cash from the target credit account to the target savings account.

[0168] For an explanation of information regarding financial business activities, please refer to the relevant sections mentioned above; further details will not be repeated here.

[0169] For example, if the clearing institution server determines that the terminal information and the first identity identifier are the same as the registration information, it can further query the financial business behavior information related to the holder of the transaction terminal based on the first identity identifier, such as the user's business behavior factor, bad behavior label, etc., so that when sending the first withdrawal request to the card issuer server, it carries the financial business behavior information, so that the card issuer server can detect whether the target credit account is abnormal based on the financial business behavior information.

[0170] In this way, by detecting abnormal user behavior, it can be further ensured that the user initiating the withdrawal of credit funds is a credit-approved user, thereby further improving the security of credit fund withdrawal operations.

[0171] In addition, the transaction terminal can also support setting credit card billing dates, reminding users to make payments on time, and using the target savings account linked in the transaction terminal for payment.

[0172] It should be noted that the application scenarios described in the above embodiments of this application are for the purpose of more clearly illustrating the technical solutions of the embodiments of this application, and do not constitute a limitation on the technical solutions provided by the embodiments of this application. As those skilled in the art will know, with the emergence of new application scenarios, the technical solutions provided by the embodiments of this application are also applicable to similar technical problems.

[0173] Based on the same inventive concept, this application also provides an account withdrawal device. (Specifically combined...) Figures 9 to 12 Please provide a detailed explanation.

[0174] Figure 9 This is a schematic diagram of the structure of an account withdrawal device provided in an embodiment of the first aspect of this application. The account withdrawal device can be configured on a card issuer's server.

[0175] like Figure 9 As shown, the account withdrawal device 900 may include:

[0176] The first receiving module 901 is used to receive a first withdrawal request initiated by a user based on a transaction terminal for a target credit account. The first withdrawal request includes account information of the target credit account and a first identity identifier of the holder corresponding to the transaction terminal. The transaction terminal is bound to the target savings account, and the transaction terminal is the same as the holder corresponding to the target savings account.

[0177] The first query module 902 is used to respond to the first withdrawal request and query the second identity identifier of the holder corresponding to the target credit account based on the account information;

[0178] The operation execution module 903 is used to perform a cash withdrawal operation from the target credit account to the target savings account when the first identity identifier and the second identity identifier are the same.

[0179] The following is a detailed description of the aforementioned account withdrawal device 900:

[0180] In some embodiments, the account withdrawal device 900 further includes:

[0181] The fourth receiving module is used to receive a withdrawal authorization request for the target credit account sent by the first terminal before receiving the first withdrawal request initiated by the user based on the transaction terminal for the target credit account.

[0182] The fourth sending module is used to send a fund usage questionnaire to the first terminal in response to the withdrawal authorization request, so as to instruct the user to fill in the fund usage questionnaire based on the first terminal and obtain the survey results;

[0183] The fifth receiving module is used to receive the survey results sent by the first terminal;

[0184] The intention scoring module is used to score the user's intention to use funds based on the survey results, and obtain a score value corresponding to the user.

[0185] The permission activation module is used to grant the target credit account withdrawal permission when the score value is greater than a preset threshold.

[0186] In some embodiments, the survey results include questionnaire responses and the duration of question responses.

[0187] In some embodiments, the questionnaire response results include at least one of a positive intention set, a negative intention set, and a lying intention set. The positive intention set includes at least one of a set of questions in which the response is "agreeing with reasonable use of funds" and a set of questions in which the response is "disagreeing with unreasonable use of funds." The negative intention set includes at least one of a set of questions in which the response is "disagreeing with reasonable use of funds" and a set of questions in which the response is "agreeing with unreasonable use of funds." The lying intention set includes a set of questions in which the responses to the same question are inconsistent.

[0188] In some embodiments, the first withdrawal request also includes financial business behavior information of the holder corresponding to the transaction terminal;

[0189] Operation execution module 903 includes:

[0190] The behavior detection submodule is used to detect whether the target credit account is abnormal based on the financial business behavior information.

[0191] The operation execution submodule is used to perform a cash withdrawal operation from the target credit account to the target savings account if there are no abnormalities in the target credit account.

[0192] In some embodiments, the first withdrawal request also includes the purpose of the withdrawal funds input by the user based on the transaction terminal;

[0193] The account withdrawal device 900 also includes:

[0194] The fourth acquisition module is used to acquire the actual use of the target funds withdrawn from the target credit account to the target savings account after the operation of withdrawing cash from the target credit account to the target savings account is performed;

[0195] The penalty execution module is used to execute penalty operations on the holder of the target credit account when the purpose of the withdrawn funds is different from the actual purpose of the funds.

[0196] Therefore, upon receiving a first withdrawal request from a user to a target credit account initiated by a user through a transaction terminal, the issuing institution's server queries the second identity identifier of the holder corresponding to the target credit account based on the account information carried in the request. Only if the first identity identifier of the holder corresponding to the transaction terminal matches the second identity identifier—that is, if the holder corresponding to the target credit account is the same as the holder corresponding to the transaction terminal—is the withdrawal operation executed from the target credit account to the target savings account bound to the transaction terminal. Since the holder corresponding to the target savings account is also the same as the holder corresponding to the transaction terminal, this embodiment of the application executes the credit fund withdrawal operation only after verifying that the holders corresponding to the target credit account, the transaction terminal, and the bound target savings account are consistent. This allows for the prevention of improper withdrawals while addressing reasonable personal cash flow needs, mitigating and preventing risks such as information leakage caused by improper withdrawals, and ultimately improving the security and compliant use of credit funds.

[0197] Figure 10 This is a schematic diagram of the structure of an account withdrawal device provided in an embodiment of the second aspect of this application. The account withdrawal device can be configured on a transaction terminal, which is bound to a target savings account, and the transaction terminal and the holder of the target savings account are the same.

[0198] like Figure 10 As shown, the account withdrawal device 1000 may include:

[0199] The first input module 1001 is used to receive the first input from the user that triggers a withdrawal operation on the target credit account;

[0200] The first acquisition module 1002 is used to acquire account information corresponding to the target credit account in response to the first input.

[0201] Information acquisition module 1003 is used to collect the user's biological information;

[0202] The first sending module 1004 is used to send a second withdrawal request for the target credit account to the acquiring institution server corresponding to the transaction terminal.

[0203] The second withdrawal request includes the account information, the biometric information, and the terminal information of the transaction terminal. The second withdrawal request instructs the acquiring institution server to query the first identity identifier of the holder corresponding to the transaction terminal based on the terminal information, obtain a third identity identifier corresponding to the biometric information, and, if the first identity identifier and the third identity identifier are the same, send a first withdrawal request via the clearing institution server to the issuing institution server corresponding to the target credit account. This allows the issuing institution server to query the second identity identifier of the holder corresponding to the target credit account based on the account information, and, if the first identity identifier and the second identity identifier are the same, execute a withdrawal operation from the target credit account to the target savings account.

[0204] The following is a detailed description of the aforementioned account withdrawal device 1000:

[0205] In some embodiments, the account withdrawal device 1000 further includes:

[0206] The location detection module is used to perform location detection on the transaction terminal before sending a second withdrawal request for the target credit account to the acquiring institution server corresponding to the transaction terminal, so as to obtain the terminal location information corresponding to the transaction terminal.

[0207] The second withdrawal request also includes the terminal location information. The second withdrawal request is further used to instruct the acquiring institution server to obtain the registration location information corresponding to the transaction terminal when the first identity identifier is the same as the third identity identifier, and to send the first withdrawal request to the issuing institution server corresponding to the target credit account via the clearing institution server when the terminal location information matches the registration location information.

[0208] In some embodiments, the account withdrawal device 1000 further includes:

[0209] The second input module is used to receive the second input from the user to trigger the withdrawal mode of the credit account before receiving the first input from the user to trigger the withdrawal operation of the target credit account.

[0210] A purpose display module is used to display multiple funding purpose options in response to the second input;

[0211] The third input module is used to receive a third input from the user from at least one target use option among the plurality of use options;

[0212] The purpose acquisition module is used to respond to the third input, acquire the purpose of funds corresponding to the at least one target purpose of funds option, and obtain the purpose of cash withdrawal;

[0213] The second withdrawal request and the first withdrawal request also include the purpose of the withdrawal funds. The first withdrawal request is also used to instruct the card issuer server to obtain the actual purpose of the target funds withdrawn from the target credit account to the target savings account, and to perform a penalty operation on the holder corresponding to the target credit account if the purpose of the withdrawal funds is different from the actual purpose of the funds.

[0214] Therefore, by obtaining account information corresponding to the target credit account in the transaction terminal and collecting the user's biometric information, a second withdrawal request, including account information, biometric information, and terminal information, is sent to the acquiring institution's server. This allows the acquiring institution's server to verify whether the holder of the transaction terminal and the current user are consistent based on the sent information. If they are consistent, the acquiring institution's server continues to send a first withdrawal request to the issuing institution's server corresponding to the target credit account via the clearing institution's server. Only after the issuing institution's server verifies that the holder of the target credit account is consistent with the holder of the transaction terminal is the withdrawal of credit funds executed. Thus, since this embodiment of the application only executes the withdrawal of credit funds when the holders of the transaction terminal user, the target credit account, the transaction terminal, and its bound target savings account are all consistent, the security of the credit fund withdrawal operation can be further improved.

[0215] Figure 11 This is a schematic diagram of the structure of an account withdrawal device provided in an embodiment of the third aspect of this application. The account withdrawal device can be configured on an acquiring institution's server.

[0216] like Figure 11 As shown, the account withdrawal device 1100 may include:

[0217] The second receiving module 1101 is used to receive a second withdrawal request sent by the transaction terminal for a target credit account. The second withdrawal request includes account information of the target credit account, biometric information of the user using the transaction terminal, and terminal information of the transaction terminal. The transaction terminal is bound to the target savings account, and the transaction terminal is the same as the holder of the target savings account.

[0218] The second query module 1102 is used to respond to the second withdrawal request and query the first identity identifier of the holder corresponding to the transaction terminal based on the terminal information;

[0219] The second acquisition module 1103 is used to acquire a third identity identifier corresponding to the biological information;

[0220] The second sending module 1104 is used to send a third withdrawal request for the target credit account to the clearing institution server when the first identity identifier is the same as the third identity identifier.

[0221] The third withdrawal request includes the terminal information, the account information, and the first identity identifier. The third withdrawal request is used to instruct the clearing institution server to obtain the registration information corresponding to the transaction terminal, and, if the terminal information and the first identity identifier are the same as the registration information, to send a first withdrawal request to the card issuer server corresponding to the target credit account. This allows the card issuer server to query the second identity identifier of the holder corresponding to the target credit account based on the account information, and, if the first identity identifier and the second identity identifier are the same, to perform a withdrawal operation from the target credit account to the target savings account.

[0222] The account withdrawal device 1100 described above is explained in detail below:

[0223] In some embodiments, the second acquisition module 1103 includes:

[0224] The liveness detection submodule is used to perform liveness detection on the biological information and obtain the detection results;

[0225] The information recognition submodule is used to identify the biological information when the detection result is a successful liveness detection, and obtain a third identity identifier corresponding to the biological information.

[0226] In some embodiments, the second withdrawal request also includes the terminal location information of the transaction terminal;

[0227] The second transmitting module 1104 includes:

[0228] The information acquisition submodule is used to acquire the registration location information corresponding to the transaction terminal;

[0229] The request sending submodule is used to send a third withdrawal request for the target credit account to the clearing institution server when the terminal location information matches the registration location information.

[0230] Therefore, by using the terminal information and biometric information sent by the transaction terminal, the acquiring institution's server verifies whether the primary identity of the transaction terminal holder matches the secondary identity of the current user. If they match, a third withdrawal request is sent to the clearing institution's server. This instructs the clearing institution's server to send a first withdrawal request to the issuing institution's server corresponding to the target credit account after successful verification of the registration information. Only after the issuing institution's server verifies that the target credit account matches the holder corresponding to the transaction terminal is the withdrawal of credit funds executed. Thus, because this embodiment of the application only executes the withdrawal of credit funds when the holders of the transaction terminal user, the target credit account, the transaction terminal, and its linked target savings account all match, it can verify whether the transaction terminal is being used by the holder themselves, preventing illegal activities such as sale or lending, thereby further enhancing the security of credit fund withdrawal operations.

[0231] Figure 12 This is a schematic diagram of the structure of an account withdrawal device provided in an embodiment of the fourth aspect of this application. The account withdrawal device can be configured on a clearinghouse server.

[0232] like Figure 12 As shown, the account withdrawal device 1200 may include:

[0233] The third receiving module 1201 is used to receive a third withdrawal request initiated by a user based on a transaction terminal for a target credit account. The third withdrawal request includes account information of the target credit account, terminal information of the transaction terminal, and a first identity identifier of the holder corresponding to the transaction terminal. The transaction terminal is bound to the target savings account, and the transaction terminal is the same as the holder corresponding to the target savings account.

[0234] The third acquisition module 1202 is used to acquire the registration information corresponding to the transaction terminal in response to the third withdrawal request;

[0235] The third sending module 1203 is used to send a first withdrawal request to the card issuing institution server corresponding to the target credit account when the terminal information and the first identity identifier are the same as the registration information.

[0236] The first withdrawal request includes the account information and the first identity identifier. The first withdrawal request is used to instruct the card issuer server to query the second identity identifier of the holder corresponding to the target credit account based on the account information, and to perform a withdrawal operation from the target credit account to the target savings account if the first identity identifier and the second identity identifier are the same.

[0237] The account withdrawal device 1200 described above is explained in detail below:

[0238] In some embodiments, the account withdrawal device 1200 further includes:

[0239] The fifth acquisition module is used to acquire financial business behavior information of the holder corresponding to the transaction terminal before sending the first withdrawal request to the card issuer server corresponding to the target credit account.

[0240] The first withdrawal request also includes the financial transaction information. The first withdrawal request is also used to instruct the card issuer server to detect whether the target credit account is abnormal based on the financial transaction information, and to perform a withdrawal operation from the target credit account to the target savings account if the target credit account is not abnormal.

[0241] Therefore, the clearing institution server further verifies the terminal information of the transaction terminal and the primary identity identifier of the holder corresponding to the transaction terminal based on the registration information of the transaction terminal. If the verification is consistent, a first withdrawal request is sent to the corresponding card issuer server. This instructs the card issuer server to verify that the target credit account matches the holder corresponding to the transaction terminal before executing the withdrawal operation. Thus, because this embodiment only executes the withdrawal operation when the information related to the transaction terminal is verified and the holders of the target credit account, the transaction terminal, and its bound target savings account are all consistent, the possibility of tampering with the terminal information and primary identity identifier is reduced, thereby further improving the security of the credit withdrawal operation.

[0242] Figure 13 This is a schematic diagram of the structure of an electronic device provided in one embodiment of this application.

[0243] The electronic device 1300 may include a processor 1301 and a memory 1302 storing computer program instructions.

[0244] Specifically, the processor 1301 may include a central processing unit (CPU), an application-specific integrated circuit (ASIC), or one or more integrated circuits that can be configured to implement the embodiments of this application.

[0245] Memory 1302 may include mass storage for data or instructions. For example, and not limitingly, memory 1302 may include a hard disk drive (HDD), floppy disk drive, flash memory, optical disk, magneto-optical disk, magnetic tape, or Universal Serial Bus (USB) drive, or a combination of two or more of these. Where appropriate, memory 1302 may include removable or non-removable (or fixed) media. Where appropriate, memory 1302 may be internal or external to the integrated gateway disaster recovery device. In a particular embodiment, memory 1302 is non-volatile solid-state memory.

[0246] In certain embodiments, the memory may include read-only memory (ROM), random access memory (RAM), disk storage media devices, optical storage media devices, flash memory devices, and electrical, optical, or other physical / tangible memory storage devices. Thus, typically, memory includes one or more tangible (non-transitory) computer-readable storage media (e.g., memory devices) encoded with software including computer-executable instructions, and when the software is executed (e.g., by one or more processors), it is operable to perform the operations described with reference to the method according to one aspect of this application.

[0247] The processor 1301 implements any of the account withdrawal methods described in the above embodiments by reading and executing computer program instructions stored in the memory 1302.

[0248] In some examples, the electronic device 1300 may also include a communication interface 1303 and a bus 1310. For example, Figure 13 As shown, the processor 1301, memory 1302, and communication interface 1303 are connected through bus 1310 and complete communication with each other.

[0249] The communication interface 1303 is mainly used to realize communication between various modules, devices, units and / or equipment in the embodiments of this application.

[0250] Bus 1310 includes hardware, software, or both, that couples components of an online data traffic metering device together. For example, and not as a limitation, bus 1310 may include an Accelerated Graphics Port (AGP) or other graphics bus, an Enhanced Industry Standard Architecture (EISA) bus, a Front Side Bus (FSB), HyperTransport (HT) interconnect, an Industry Standard Architecture (ISA) bus, an Infinite Bandwidth Interconnect, a Low Pin Count (LPC) bus, a memory bus, a Microchannel Architecture (MCA) bus, a Peripheral Component Interconnect (PCI) bus, a PCI-Express (PCI-X) bus, a Serial Advanced Technology Attachment (SATA) bus, a Video Electronics Standards Association Local (VLB) bus, or other suitable buses, or combinations of two or more of these. Where appropriate, bus 1310 may include one or more buses. Although specific buses are described and illustrated in embodiments of this application, any suitable bus or interconnect is contemplated herein.

[0251] For example, the electronic device 1300 can be a mobile phone, tablet computer, laptop computer, handheld computer, in-vehicle electronic device, ultra-mobile personal computer (UMPC), netbook, or personal digital assistant (PDA), etc.

[0252] The electronic device 1300 can execute the account withdrawal method in the embodiments of this application, thereby achieving a combination Figures 1 to 12 The described account withdrawal method and device.

[0253] Furthermore, in conjunction with the account withdrawal methods in the above embodiments, this application embodiment can provide a computer-readable storage medium for implementation. This computer-readable storage medium stores computer program instructions; when these computer program instructions are executed by a processor, they implement any of the account withdrawal methods in the above embodiments. Examples of computer-readable storage media include non-transitory computer-readable storage media, such as portable disks, hard disks, random access memory (RAM), read-only memory (ROM), erasable programmable read-only memory (EPROM or flash memory), portable compact disk read-only memory (CD-ROM), optical storage devices, magnetic storage devices, etc.

[0254] It should be clarified that this application is not limited to the specific configurations and processes described above and shown in the figures. For the sake of brevity, detailed descriptions of known methods are omitted here. In the above embodiments, several specific steps are described and shown as examples. However, the method process of this application is not limited to the specific steps described and shown. Those skilled in the art can make various changes, modifications, and additions, or change the order of steps, after understanding the spirit of this application.

[0255] The functional blocks shown in the above-described structural diagram can be implemented as hardware, software, firmware, or a combination thereof. When implemented in hardware, they can be, for example, electronic circuits, application-specific integrated circuits (ASICs), appropriate firmware, plug-ins, function cards, etc. When implemented in software, the elements of this application are programs or code segments used to perform the required tasks. Programs or code segments can be stored on a machine-readable medium or transmitted over a transmission medium or communication link via data signals carried on a carrier wave. "Machine-readable medium" can include any medium capable of storing or transmitting information. Examples of machine-readable media include electronic circuits, semiconductor memory devices, ROM, flash memory, erasable ROM (EROM), floppy disks, CD-ROMs, optical disks, hard disks, fiber optic media, radio frequency (RF) links, etc. Code segments can be downloaded via computer networks such as the Internet, intranets, etc.

[0256] It should also be noted that the exemplary embodiments mentioned in this application describe methods or systems based on a series of steps or apparatus. However, this application is not limited to the order of the above steps; that is, the steps can be performed in the order mentioned in the embodiments, or in a different order, or several steps can be performed simultaneously.

[0257] The aspects of this application have been described above with reference to flowchart illustrations and / or block diagrams of methods, apparatus (systems), and computer program products according to embodiments of this application. It should be understood that each block in the flowchart illustrations and / or block diagrams, and combinations of blocks in the flowchart illustrations and / or block diagrams, 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, or other programmable data processing apparatus to produce a machine such that these instructions, executable via the processor of the computer or other programmable data processing apparatus, enable the implementation of the functions / actions specified in one or more blocks of the flowchart illustrations and / or block diagrams. Such a processor can be, but is not limited to, a general-purpose processor, a special-purpose processor, a special application processor, or a field-programmable logic circuit. It is also understood that each block in the block diagrams and / or flowcharts, and combinations of blocks in the block diagrams and / or flowcharts, can also be implemented by dedicated hardware performing the specified functions or actions, or can be implemented by a combination of dedicated hardware and computer instructions.

[0258] The above description is merely a specific implementation of this application. Those skilled in the art will clearly understand that, for the sake of convenience and brevity, the specific working processes of the systems, modules, and units described above can be referred to the corresponding processes in the foregoing method embodiments, and will not be repeated here. It should be understood that the protection scope of this application is not limited thereto. Any person skilled in the art can easily conceive of various equivalent modifications or substitutions within the technical scope disclosed in this application, and these modifications or substitutions should all be covered within the protection scope of this application.

Claims

1. An account withdrawal method, applied to a card issuer's server, characterized in that, The method includes: The system receives a first withdrawal request initiated by a user based on a transaction terminal for a target credit account. The first withdrawal request includes account information of the target credit account and a first identity identifier of the holder corresponding to the transaction terminal. The transaction terminal is bound to the target savings account, and the holder of the transaction terminal is the same as that of the target savings account. In response to the first withdrawal request, the second identity identifier of the holder corresponding to the target credit account is queried based on the account information; If the first identity identifier and the second identity identifier are the same, an operation to withdraw cash from the target credit account to the target savings account is performed.

2. The method according to claim 1, characterized in that, Before receiving the first withdrawal request for the target credit account initiated by the user via a transaction terminal, the method further includes: Receive a withdrawal authorization request for the target credit account sent by the first terminal; In response to the withdrawal authorization request, a fund usage survey questionnaire is sent to the first terminal to instruct the user to fill in the fund usage survey questionnaire based on the first terminal and obtain the survey results; Receive the survey results sent by the first terminal; Based on the survey results, the user's intention to use funds is scored to obtain a score value corresponding to the user; If the score is greater than a preset threshold, the target credit account is granted withdrawal privileges.

3. The method according to claim 2, characterized in that, The survey results include questionnaire responses and the time spent answering questions.

4. The method according to claim 3, characterized in that, The questionnaire responses include at least one of a positive intention set, a negative intention set, and a lying intention set. The positive intention set includes at least one of a set of questions in which the responses agree with the reasonable use of funds and a set of questions in which the responses disagree with the unreasonable use of funds. The negative intention set includes at least one of a set of questions in which the responses disagree with the reasonable use of funds and a set of questions in which the responses agree with the unreasonable use of funds. The lying intention set includes a set of questions in which responses to the same question are inconsistent.

5. The method according to claim 1, characterized in that, The first withdrawal request also includes financial business behavior information of the holder corresponding to the transaction terminal; The operation of withdrawing cash from the target credit account to the target savings account includes: Detect whether the target credit account is abnormal based on the financial transaction behavior information; If there are no abnormalities in the target credit account, execute the operation of withdrawing cash from the target credit account to the target savings account.

6. The method according to claim 1, characterized in that, The first withdrawal request also includes the purpose of the withdrawal funds input by the user based on the transaction terminal; After performing the withdrawal operation from the target credit account to the target savings account, the method further includes: To determine the actual use of the target funds withdrawn from the target credit account to the target savings account; If the purpose of the withdrawn funds is different from the actual purpose of the funds, a penalty operation will be carried out on the holder of the target credit account.

7. An account withdrawal method, applied to a transaction terminal, characterized in that, The transaction terminal is bound to the target savings account, and the transaction terminal and the holder corresponding to the target savings account are the same. The method includes: Receive the first input from the user to trigger a withdrawal operation on the target credit account; In response to the first input, obtain the account information corresponding to the target credit account; Collect the user's biometric information; Send a second withdrawal request for the target credit account to the acquiring institution server corresponding to the transaction terminal; The second withdrawal request includes the account information, the biometric information, and the terminal information of the transaction terminal. The second withdrawal request instructs the acquiring institution server to query the first identity identifier of the holder corresponding to the transaction terminal based on the terminal information, obtain a third identity identifier corresponding to the biometric information, and, if the first identity identifier and the third identity identifier are the same, send a first withdrawal request via the clearing institution server to the issuing institution server corresponding to the target credit account. This allows the issuing institution server to query the second identity identifier of the holder corresponding to the target credit account based on the account information, and, if the first identity identifier and the second identity identifier are the same, execute a withdrawal operation from the target credit account to the target savings account.

8. The method according to claim 7, characterized in that, Before sending a second withdrawal request for the target credit account to the acquiring institution server corresponding to the transaction terminal, the method further includes: The transaction terminal is located and detected to obtain the terminal location information corresponding to the transaction terminal. The second withdrawal request also includes the terminal location information. The second withdrawal request is further used to instruct the acquiring institution server to obtain the registration location information corresponding to the transaction terminal when the first identity identifier is the same as the third identity identifier, and to send the first withdrawal request to the issuing institution server corresponding to the target credit account via the clearing institution server when the terminal location information matches the registration location information.

9. The method according to claim 7, characterized in that, Before receiving the first input from the user triggering a withdrawal operation on the target credit account, the method further includes: Receive the second input from the user to trigger the credit account withdrawal mode; In response to the second input, multiple options for the use of funds are displayed; Receive third input from the user from at least one target use option among the plurality of use options; In response to the third input, the fund use corresponding to the at least one target fund use option is obtained to obtain the cash withdrawal fund use; The second withdrawal request and the first withdrawal request also include the purpose of the withdrawal funds. The first withdrawal request is used to instruct the card issuer server to obtain the actual purpose of the target funds withdrawn from the target credit account to the target savings account, and to perform a penalty operation on the holder corresponding to the target credit account if the purpose of the withdrawal funds is different from the actual purpose of the funds.

10. An account withdrawal method, applied to an acquiring institution's server, characterized in that, The method includes: The system receives a second withdrawal request sent by a transaction terminal for a target credit account. The second withdrawal request includes account information of the target credit account, biometric information of the user using the transaction terminal, and terminal information of the transaction terminal. The transaction terminal is bound to the target savings account, and the transaction terminal is the same as the holder of the target savings account. In response to the second withdrawal request, the first identity identifier of the holder corresponding to the transaction terminal is queried based on the terminal information; Obtain a third identity identifier corresponding to the biometric information; If the first identity identifier is the same as the third identity identifier, a third withdrawal request for the target credit account is sent to the clearing institution server; The third withdrawal request includes the terminal information, the account information, and the first identity identifier. The third withdrawal request is used to instruct the clearing institution server to obtain the registration information corresponding to the transaction terminal, and, if the terminal information and the first identity identifier are the same as the registration information, to send a first withdrawal request to the card issuer server corresponding to the target credit account. This allows the card issuer server to query the second identity identifier of the holder corresponding to the target credit account based on the account information, and, if the first identity identifier and the second identity identifier are the same, to perform a withdrawal operation from the target credit account to the target savings account.

11. The method according to claim 10, characterized in that, The acquisition of the third identity identifier corresponding to the biometric information includes: The biological information is subjected to live detection to obtain the detection results; If the detection result is a successful liveness detection, the biometric information is identified to obtain a third identity identifier corresponding to the biometric information.

12. The method according to claim 10, characterized in that, The second withdrawal request also includes the terminal location information of the transaction terminal; Sending a third withdrawal request for the target credit account to the clearing institution's server includes: Obtain the registration location information corresponding to the transaction terminal; If the terminal location information matches the registered location information, a third withdrawal request for the target credit account is sent to the clearing institution server.

13. An account withdrawal method, applied to a clearing institution's server, characterized in that, The method includes: The system receives a third withdrawal request initiated by a user based on a transaction terminal for a target credit account. The third withdrawal request includes account information of the target credit account, terminal information of the transaction terminal, and a first identity identifier of the holder corresponding to the transaction terminal. The transaction terminal is bound to the target savings account, and the holder of the transaction terminal is the same as that of the target savings account. In response to the third withdrawal request, obtain the registration information corresponding to the transaction terminal; If the terminal information and the first identity identifier are the same as the registration information, a first withdrawal request is sent to the card issuer server corresponding to the target credit account; The first withdrawal request includes the account information and the first identity identifier. The first withdrawal request is used to instruct the card issuer server to query the second identity identifier of the holder corresponding to the target credit account based on the account information, and to perform a withdrawal operation from the target credit account to the target savings account if the first identity identifier and the second identity identifier are the same.

14. The method according to claim 13, characterized in that, Before sending the first withdrawal request to the issuing institution server corresponding to the target credit account, the method further includes: Obtain financial business behavior information of the holder corresponding to the transaction terminal; The first withdrawal request also includes the financial transaction information. The first withdrawal request is also used to instruct the card issuer server to detect whether the target credit account is abnormal based on the financial transaction information, and to perform a withdrawal operation from the target credit account to the target savings account if the target credit account is not abnormal.

15. An account withdrawal device, applied to a card issuing institution's server, characterized in that, The device includes: The first receiving module is used to receive a first withdrawal request initiated by a user based on a transaction terminal for a target credit account. The first withdrawal request includes account information of the target credit account and a first identity identifier of the holder corresponding to the transaction terminal. The transaction terminal is bound to the target savings account, and the holder of the transaction terminal is the same as that of the target savings account. The first query module is used to respond to the first withdrawal request by querying the second identity identifier of the holder corresponding to the target credit account based on the account information; The operation execution module is used to perform a cash withdrawal operation from the target credit account to the target savings account when the first identity identifier and the second identity identifier are the same.

16. An account withdrawal device, applied to a transaction terminal, characterized in that, The transaction terminal is bound to the target savings account, and the transaction terminal and the holder corresponding to the target savings account are the same. The device includes: The first input module is used to receive the first input from the user to trigger a withdrawal operation on the target credit account; The first acquisition module is used to acquire account information corresponding to the target credit account in response to the first input. The information collection module is used to collect the user's biometric information; The first sending module is used to send a second withdrawal request for the target credit account to the acquiring institution server corresponding to the transaction terminal; The second withdrawal request includes the account information, the biometric information, and the terminal information of the transaction terminal. The second withdrawal request instructs the acquiring institution server to query the first identity identifier of the holder corresponding to the transaction terminal based on the terminal information, obtain a third identity identifier corresponding to the biometric information, and, if the first identity identifier and the third identity identifier are the same, send a first withdrawal request via the clearing institution server to the issuing institution server corresponding to the target credit account. This allows the issuing institution server to query the second identity identifier of the holder corresponding to the target credit account based on the account information, and, if the first identity identifier and the second identity identifier are the same, execute a withdrawal operation from the target credit account to the target savings account.

17. An account withdrawal device, applied to an acquiring institution's server, characterized in that, The device includes: The second receiving module is used to receive a second withdrawal request sent by the transaction terminal for a target credit account. The second withdrawal request includes account information of the target credit account, biometric information of the user using the transaction terminal, and terminal information of the transaction terminal. The transaction terminal is bound to the target savings account, and the transaction terminal is the same as the holder of the target savings account. The second query module is used to respond to the second withdrawal request and query the first identity identifier of the holder corresponding to the transaction terminal based on the terminal information; The second acquisition module is used to acquire a third identity identifier corresponding to the biometric information; The second sending module is used to send a third withdrawal request for the target credit account to the clearing institution server when the first identity identifier is the same as the third identity identifier. The third withdrawal request includes the terminal information, the account information, and the first identity identifier. The third withdrawal request is used to instruct the clearing institution server to obtain the registration information corresponding to the transaction terminal, and, if the terminal information and the first identity identifier are the same as the registration information, to send a first withdrawal request to the card issuer server corresponding to the target credit account. This allows the card issuer server to query the second identity identifier of the holder corresponding to the target credit account based on the account information, and, if the first identity identifier and the second identity identifier are the same, to perform a withdrawal operation from the target credit account to the target savings account.

18. An account withdrawal device, applied to a clearing institution server, characterized in that, The device includes: The third receiving module is used to receive a third withdrawal request initiated by a user based on a transaction terminal for a target credit account. The third withdrawal request includes account information of the target credit account, terminal information of the transaction terminal, and a first identity identifier of the holder corresponding to the transaction terminal. The transaction terminal is bound to the target savings account, and the holder corresponding to the transaction terminal is the same as that of the target savings account. The third acquisition module is used to acquire the registration information corresponding to the transaction terminal in response to the third withdrawal request; The third sending module is used to send a first withdrawal request to the card issuing institution server corresponding to the target credit account when the terminal information and the first identity identifier are the same as the registration information. The first withdrawal request includes the account information and the first identity identifier. The first withdrawal request is used to instruct the card issuer server to query the second identity identifier of the holder corresponding to the target credit account based on the account information, and to perform a withdrawal operation from the target credit account to the target savings account if the first identity identifier and the second identity identifier are the same.

19. An electronic device, characterized in that, The device includes: a processor and a memory storing computer program instructions; When the processor executes the computer program instructions, it implements the steps of the account withdrawal method as described in any one of claims 1-6, 7-9, 10-12, or 13-14.

20. A computer-readable storage medium, characterized in that, The computer-readable storage medium stores computer program instructions that, when executed by a processor, implement the steps of the account withdrawal method as described in any one of claims 1-6, 7-9, 10-12, or 13-14.

21. A computer program product, characterized in that, When the instructions in the computer program product are executed by the processor of the electronic device, the electronic device causes the electronic device to perform the steps of the account withdrawal method as described in any one of claims 1-6, 7-9, 10-12, or 13-14.

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