Account cancellation fund settlement method and system, storage medium and super counter self-service equipment

Abstract

The invention provides an account cancellation fund settlement method and system, a storage medium and super counter self-service equipment, and the method comprises the steps: carrying out the identity verification of a customer based on an account cancellation request of the customer for a target account, and obtaining an identity verification result; if the identity verification result is that verification is passed, account settlement information of the target account is displayed, collection information of the corresponding settlement channel is displayed according to the settlement channel selected by the client, the client executes confirmation operation according to the collection information, the super counter self-service equipment pays account cancellation funds to the collection account corresponding to the settlement channel, and an account cancellation fund transaction result is obtained. Therefore, according to the account cancellation fund settlement method provided by the invention, the super counter self-service equipment is utilized to carry out account cancellation identity verification, account cancellation fund settlement channel selection and account cancellation fund payment, so that safe, convenient and efficient multi-channel account cancellation fund settlement is realized, and the service experience of a client during account cancellation is improved.

Description

Technical Field

[0001] The present invention relates to the field of computers, and in particular to an account cancellation fund settlement method, system, storage medium and super counter self-service equipment. Background Art

[0002] With the development of finance and computers in today's society, bank customers have an increasing demand for diversified and convenient banking services. At present, bank customers need to bring their credit cards to the bank counter to close their accounts. When closing an account, they need to provide a lot of supporting documents to ensure the security of the account closing. The account closing process is also cumbersome and takes a long time to close the account. The account closing efficiency is low, resulting in a poor service experience for customers when closing their accounts.

[0003] Therefore, there is an urgent need for a method to improve the efficiency of account cancellation while ensuring the security of account cancellation. Summary of the invention

[0004] In view of this, the purpose of this application is to provide an account closure fund settlement method, system, storage medium and super counter self-service equipment, which can improve the efficiency of account closure while ensuring the security of account closure.

[0005] The present application embodiment provides an account cancellation fund settlement method, which is applied to a super counter self-service device, and the method includes:

[0006] In response to a request from a customer to cancel an account for a target account, performing identity verification on the customer according to the request to cancel the account, and obtaining an identity verification result;

[0007] If the identity verification result is passed, the account settlement information of the target account is displayed, and the account settlement information at least includes the settlement channel;

[0008] In response to the customer's selection operation of a settlement channel for the account settlement information, displaying the payment information of the corresponding settlement channel;

[0009] In response to the customer's confirmation operation on the payment information, the account closing funds are paid to the payment account corresponding to the settlement channel to obtain the account closing funds transaction result.

[0010] Optionally, the settlement channel includes payment software;

[0011] In response to the customer's selection operation of a settlement channel for the account settlement information, displaying the payment information of the corresponding settlement channel includes:

[0012] In response to the customer's selection operation of the payment software for the account settlement information, displaying the payment QR code of the payment software;

[0013] In response to the customer's confirmation operation on the payment information, paying the account closing funds to the payment account corresponding to the settlement channel includes:

[0014] In response to the customer's scanning and payment collection operation for the payment QR code, the account closure funds are paid to the payment account corresponding to the payment software.

[0015] Optionally, the settlement channel includes a bank to which the non-target account belongs;

[0016] In response to the customer's selection operation of a settlement channel for the account settlement information, displaying the payment information of the corresponding settlement channel includes:

[0017] In response to the customer's selection operation of the bank for the account settlement information, displaying a prompt for filling in the bank's payment information, and in response to the customer's filling operation for the payment information filling prompt, displaying payment account information;

[0018] In response to the customer's confirmation operation on the payment information, paying the account closing funds to the payment account corresponding to the settlement channel includes:

[0019] In response to the customer's submission operation on the payment receiving account information, account closing funds are paid to the payment receiving account corresponding to the payment receiving account information.

[0020] Optionally, before displaying the payment information of the corresponding settlement channel, the method further includes:

[0021] Based on the selection operation, a business application for account cancellation for the target account is generated;

[0022] In response to the customer's verification of the business application and the biometric confirmation of the account cancellation business auditor;

[0023] After obtaining the account closing fund transaction result, the method further includes:

[0024] If the transaction result of the account closing funds is successful, upload the business application to the bank system.

[0025] Optionally, the account cancellation request includes a card and discount account cancellation request;

[0026] In response to the account cancellation request of the customer for the target account, performing identity verification on the customer according to the account cancellation request includes:

[0027] In response to a card cancellation request triggered by the customer inserting the card folding card corresponding to the target account into the super counter self-service device, the customer is subjected to identity verification including target account password verification, customer identity information verification, customer biometric verification and network risk verification according to the card folding card cancellation request.

[0028] Optionally, the account cancellation request includes a debit card loss report request;

[0029] In response to the account cancellation request of the customer for the target account, performing identity verification on the customer according to the account cancellation request includes:

[0030] In response to the customer inserting the identity document into the super counter self-service device, performing identity verification of the customer's identity information, customer biometrics and network risk verification on the customer to obtain a temporary verification result;

[0031] If the temporary verification result is verification passed, the account information of all accounts corresponding to the customer is displayed;

[0032] In response to the customer's request for reporting loss of a debit card of a target account among all the accounts, the customer is subjected to identity verification by verifying the target account password and verifying the terminal verification code according to the debit card reporting loss request.

[0033] Optionally, the method further comprises:

[0034] If the transaction result of the account closing funds is a transaction failure, the account closing funds will be returned from the receiving account.

[0035] The embodiment of the present application provides an account cancellation fund settlement system, the account cancellation fund settlement system comprising a super counter self-service device;

[0036] The super counter self-service device is used to respond to a customer's account cancellation request for a target account, perform identity verification on the customer according to the account cancellation request, and obtain an identity verification result; if the identity verification result is verification passed, display the account settlement information of the target account, and the account settlement information at least includes a settlement channel; in response to the customer's selection operation of a settlement channel for the account settlement information, display the collection information of the corresponding settlement channel; in response to the customer's confirmation operation of the collection information, pay the account cancellation funds to the collection account corresponding to the settlement channel, and obtain the account cancellation funds transaction result.

[0037] The embodiment of the present application provides a super counter self-service device, the device comprising: a processor and a memory;

[0038] The memory is used to store instructions;

[0039] The processor is used to execute the instructions in the memory and perform the method as described in any one of the above embodiments.

[0040] An embodiment of the present application provides a computer-readable medium, including instructions, which, when executed on a computer, enables the computer to execute the method described in any one of the above embodiments.

[0041] The embodiment of the present application provides an account cancellation fund settlement method, which is applied to a super counter self-service device, that is, using the super counter self-service device to execute account cancellation; the method includes: based on the account cancellation request of the customer for the target account, the super counter self-service device verifies the identity of the customer according to the account cancellation request, and obtains the identity verification result, thereby ensuring the cancellation security of the account and reducing the fund risk; if the identity verification result is that the verification is passed, the super counter self-service device displays the account settlement information of the target account, and the account settlement information at least includes the settlement channel, that is, the account cancellation settlement method of multiple channels can be provided to the customer, thereby realizing the convenience of account cancellation. Settlement; when the customer performs a selection operation on the settlement channel of the account settlement information, the super counter self-service device displays the collection information of the corresponding settlement channel according to the settlement channel selected by the customer, and the customer performs a confirmation operation on the collection information, and the super counter self-service device pays the account closure funds to the collection account corresponding to the settlement channel to obtain the account closure funds transaction result, that is, when the customer selects the settlement channel for the account closure funds, the super counter self-service device directly generates the collection information according to the settlement channel, and pays the account closure funds based on the collection information and the collection account corresponding to the settlement channel, so as to realize the convenient and fast account closure funds settlement using the settlement channel selected by the customer. It can be seen that the account closure funds settlement method of the present application uses the super counter self-service device to perform identity verification, account closure funds settlement channel selection and account closure funds payment for account closure, thereby realizing safe, convenient and efficient multi-channel account closure funds settlement, and improving the customer's service experience when canceling an account. BRIEF DESCRIPTION OF THE DRAWINGS

[0042] In order to more clearly illustrate the technical solutions in the embodiments of the present application, the drawings required for use in the description of the embodiments will be briefly introduced below. Obviously, the drawings described below are some embodiments of the present application. For ordinary technicians in this field, other drawings can be obtained based on these drawings without paying any creative work.

[0043] Figure 1 A schematic diagram of a process for account cancellation fund settlement method provided in an embodiment of the present application is shown;

[0044] Figure 2 A schematic diagram of an account cancellation fund settlement process provided by an embodiment of the present application is shown;

[0045] Figure 3 Another schematic diagram of an account cancellation fund settlement process provided by an embodiment of the present application is shown;

[0046] Figure 4 A structural schematic diagram of an account cancellation funds settlement system provided in an embodiment of the present application is shown. DETAILED DESCRIPTION

[0047] In order to enable those skilled in the art to better understand the solution of the present application, the technical solution in the embodiments of the present application will be clearly and completely described below in conjunction with the drawings in the embodiments of the present application. Obviously, the described embodiments are only part of the embodiments of the present application, not all of the embodiments. Based on the embodiments in the present application, all other embodiments obtained by ordinary technicians in this field without creative work are within the scope of protection of this application.

[0048] In the following description, many specific details are set forth to facilitate a full understanding of the present application, but the present application may also be implemented in other ways different from those described herein, and those skilled in the art may make similar generalizations without violating the connotation of the present application. Therefore, the present application is not limited to the specific embodiments disclosed below.

[0049] At present, when bank customers want to close their accounts, they need to bring their card to the bank counter to close their accounts. When closing their accounts, they need to provide a lot of supporting documents to ensure the security of the account closing. The account closing process is also complicated and takes a long time to complete. The account closing efficiency is low, resulting in a poor service experience for customers when they close their accounts.

[0050] In addition, the closure funds for the current account can only be settled in cash or using other bank cards of the bank to which the account to be closed belongs, which is not convenient enough and further leads to a decrease in the efficiency of account closure.

[0051] Therefore, there is an urgent need for a method to improve the efficiency of account cancellation while ensuring the security of account cancellation.

[0052] Based on this, the embodiment of the present application provides an account cancellation fund settlement method, which is applied to a super counter self-service device, that is, using a super counter self-service device to execute account cancellation; the method includes: based on the customer's account cancellation request for the target account, the super counter self-service device verifies the customer's identity according to the account cancellation request, and obtains the identity verification result, thereby ensuring the security of account cancellation and reducing fund risks; if the identity verification result is that the verification is passed, the super counter self-service device displays the account settlement information of the target account, and the account settlement information at least includes the settlement channel, that is, multiple channels of account cancellation settlement methods can be provided to the customer, thereby realizing account cancellation. Convenient settlement; when the customer performs a selection operation on the settlement channel of the account settlement information, the super counter self-service device displays the collection information of the corresponding settlement channel according to the settlement channel selected by the customer, and the customer performs a confirmation operation on the collection information, and the super counter self-service device pays the account closure funds to the collection account corresponding to the settlement channel to obtain the account closure funds transaction result, that is, when the customer selects the settlement channel for the account closure funds, the super counter self-service device directly generates the collection information according to the settlement channel, and pays the account closure funds based on the collection information and the collection account corresponding to the settlement channel, so as to realize convenient and fast account closure funds settlement using the settlement channel selected by the customer. It can be seen that the account closure funds settlement method of the present application uses the super counter self-service device to perform identity verification, account closure funds settlement channel selection and account closure funds payment for account closure, thereby realizing safe, convenient and efficient multi-channel account closure funds settlement, and improving the customer's service experience when canceling an account.

[0053] In order to better understand the technical solution and technical effects of the present application, specific embodiments will be described in detail below with reference to the accompanying drawings.

[0054] See also Figure 1 , which is a flow chart of an account cancellation fund settlement method provided by an embodiment of the present application. The account cancellation fund settlement method provided by this embodiment is applied to a super counter self-service device, that is, the account cancellation fund settlement method is executed by using the super counter self-service device.

[0055] The account cancellation fund settlement method provided in this embodiment includes the following steps:

[0056] S101, in response to a request from a customer to cancel an account for a target account, performing identity verification on the customer according to the request to cancel the account, and obtaining an identity verification result.

[0057] In an embodiment of the present application, the customer has opened a target account in the bank, and therefore can apply for account closure of the target account. The customer can initiate an account closure request for the target account at a super counter self-service device.

[0058] Account cancellation requests include card and passbook cancellation requests and debit card loss reporting requests. Card and passbook cancellations include debit card cancellations and passbook cancellations. Debit card loss reporting cancellations are media-free cancellations, while card and passbook cancellations are media-based cancellations. In other words, you can use the super counter self-service equipment to cancel accounts with or without media, which greatly improves the efficiency of account cancellations and improves the customer service experience.

[0059] After the customer triggers an account cancellation request for the target account at the super counter self-service device, the super counter self-service device can verify the customer's identity according to the account cancellation request and obtain the identity verification result. The identity verification result includes verification pass and verification fail. By verifying the customer's identity, the security of account cancellation is guaranteed and the capital risk is reduced.

[0060] Since the account cancellation request includes a medium cancellation request and a medium-free account cancellation request, the way in which the super counter self-service device receives the account cancellation request and the process of identity authentication are different, which are described in detail below.

[0061] refer to Figure 2 As shown, the first possible implementation is that when the account cancellation request includes a card passbook cancellation request, the customer can click the card passbook cancellation application control on the super counter self-service device, and insert the card passbook corresponding to the target account into the super counter self-service device to trigger the card passbook cancellation request. At this time, the super counter self-service device can read the target account information to be cancelled to prepare for the account cancellation, for example, the target account information to be cancelled includes debit card information or passbook information. The super counter self-service device performs identity verification of the target account password, customer identity information, customer biometrics, and network risk verification on the customer according to the card passbook cancellation request.

[0062] Among them, target account password verification is to verify the target account password entered by the customer. Customer identity information verification is to verify the customer's ID card after the customer inserts the ID card into the super counter self-service device. Customer biometric verification is to verify the customer's biometrics, which includes at least one of facial features, iris features and fingerprint features. Online risk verification is to verify the customer's identity. The accuracy, authenticity and security of the customer's identity are achieved through customer biometric verification and online risk verification.

[0063] If the customer's target account password verification fails, for example, the customer forgets the password and enters the password incorrectly, the target account password can be reset at this time, and the target account password verification can continue after the password is reset.

[0064] If the customer's biometric verification or online risk verification fails, for example, facial recognition fails or the customer's identity is high risk, the identity verification result is confirmed as failed. The super counter self-service device prompts the information that the identity verification result is failed, and exits the account cancellation and fund settlement process to avoid business risks.

[0065] refer to Figure 3 As shown, the second possible implementation method is that when the account cancellation request includes a debit card loss report request, the customer can click the debit card loss report cancellation application control on the super counter self-service device, and insert the identity document into the super counter self-service device to verify the customer's identity and obtain a temporary verification result. At this time, the identity verification includes customer identity information verification, customer biometric verification and network risk verification to achieve the accuracy, authenticity and security of the customer's identity.

[0066] If the customer's biometric verification or online risk verification fails, for example, facial recognition fails or the customer's identity is high risk, the temporary verification result is confirmed as failed. The super counter self-service device prompts the temporary verification result as failed, and exits the account cancellation and fund settlement process to avoid business risks.

[0067] The temporary verification result is verification passed. At this time, the super counter self-service device can read the account information of all accounts corresponding to the customer and display the account information of all accounts corresponding to the customer. The account information of all accounts includes the number of accounts, the debit card number corresponding to each account, and the type of debit card corresponding to each account. The customer selects the target account from all accounts to report the loss of the debit card, triggering the debit card loss request. The super counter self-service device verifies the target account password and the terminal verification code based on the debit card loss request.

[0068] Among them, the terminal verification code verification is to verify the terminal number corresponding to the target account. Before the terminal verification code verification, the target account password verification must be performed first.

[0069] When the target account password is entered correctly, the target account password verification is successful and the terminal verification code verification is entered directly. When the target account password is entered incorrectly more than 3 times, the target account password verification is unsuccessful and the terminal verification code verification is entered directly. When the customer confirms that the target account password is lost, resulting in an incorrect target account password entry, the customer does not need to continue entering the password and can directly report the password loss and then enter the terminal verification code verification.

[0070] S102: If the identity verification result is passed, the account settlement information of the target account is displayed, and the account settlement information at least includes the settlement channel.

[0071] In an embodiment of the present application, if the identity verification result is a verification pass, the super counter self-service device displays the account settlement information of the target account, providing a data basis for the account cancellation fund settlement. Among them, the account settlement information includes at least a settlement channel, and the settlement channel includes payment software and a bank. The bank includes the bank to which the target account belongs and the bank to which the non-target account belongs, that is, including the bank and other banks. In other words, the super counter self-service device can provide multiple settlement channels for account cancellation, thereby greatly increasing the convenience of account cancellation fund settlement and improving the customer's service experience.

[0072] Account settlement information also includes account balance, total principal and interest after tax, interest, interest rate and tax rate.

[0073] S103, in response to the customer's selection operation of a settlement channel for account settlement information, displaying the collection information of the corresponding settlement channel.

[0074] In an embodiment of the present application, a customer can perform a selection operation on a settlement channel of account settlement information at a super counter self-service device, that is, specifically select a settlement channel, and the super counter self-service device displays the collection information of the selected settlement channel.

[0075] Taking into account the different settlement channels chosen by customers, the specific methods of account closure fund settlement are different. The following is a detailed introduction.

[0076] When the settlement channel selected by the customer is payment software, that is, the customer performs the payment software selection operation for the account settlement information, the super counter self-service device will display the payment QR code of the payment software so that the customer can directly use the payment QR code to pay the account closure funds later.

[0077] When the settlement channel selected by the customer is a bank that is not the target account, and the customer performs a selection operation of the bank that is not the target account for the account settlement information, that is, the customer selects other banks as the settlement channel, then the super counter self-service device displays a prompt for filling in the collection information of the bank that is not the target account, and the collection information filling prompt is used to prompt the customer to fill in the account name and account number of the collection account of other banks, so as to facilitate the subsequent use of the account name and account number of the collection account to pay the account closure funds. The customer performs the collection information filling operation according to the collection information filling prompt, such as filling in the account name and account number of the collection account of other banks, and the super counter self-service device displays the collection account information, and the collection account information includes the information of the opening bank corresponding to the collection account, that is, the super counter self-service device displays the information of the opening bank corresponding to the collection account according to the account name and account number of the collection account filled in by the customer.

[0078] In actual application, the customer performs a selection operation on the super counter self-service device for the settlement channel of the account settlement information, that is, after specifically selecting the settlement channel and before the super counter self-service device displays the collection information of the selected settlement channel, the super counter self-service device can generate a business application for account cancellation for the target account based on the selection operation. The business application includes: customer name, customer gender, ID number, ID type, application date, application time, photos of the front and back of the ID card, business type, acceptance account number and settlement channel and other information.

[0079] The super counter self-service device displays the business application form, and the customer can perform verification operations on the business application form, and then the account cancellation business auditor performs a biometric confirmation operation to finally confirm the account cancellation business, and then the account cancellation fund payment can be performed. The verification operation includes a signature operation, and the biometric confirmation operation includes a fingerprint feature confirmation operation. After confirming that the account cancellation fund transaction result is a successful transaction, the super counter self-service device can upload the business application form to the bank system for storage, so as to save the historical record of the target account cancellation.

[0080] It should be noted that the customer information (including but not limited to customer device information, customer personal information, etc.) and data (including but not limited to data used for analysis, stored data, displayed data, etc.) involved in this application are all information and data authorized by the user or fully authorized by all parties, and the collection, use and processing of relevant data must comply with relevant laws, regulations and standards of relevant countries and regions.

[0081] S104, in response to the customer's confirmation operation on the payment information, the account closing funds are paid to the payment account corresponding to the settlement channel to obtain the account closing funds transaction result.

[0082] In an embodiment of the present application, after the super counter self-service device displays the payment information, the customer performs a confirmation operation on the payment information, and the super counter self-service device pays the account cancellation funds to the payment account corresponding to the settlement channel to obtain the account cancellation funds transaction result. Among them, the account cancellation funds are calculated according to the account settlement information of the target account.

[0083] Taking into account the different settlement channels chosen by customers, the specific methods of account closure fund settlement are different. The following is a detailed introduction.

[0084] When the settlement channel selected by the customer is the payment software, the super counter self-service device displays the payment QR code of the payment software, and the customer performs the QR code scanning and payment operation through the payment software, and the super counter self-service device pays the account closure funds to the payment account corresponding to the payment software. In other words, when the customer performs the QR code scanning and payment operation through the payment software and confirms the payment, the super counter self-service device directly transfers the account closure funds to the payment account corresponding to the payment software.

[0085] When the settlement channel selected by the customer is a bank other than the target account, the super counter self-service device displays the receiving account information corresponding to the receiving account, and the customer submits the receiving account information. The super counter self-service device pays the account closure funds to the receiving account corresponding to the receiving account information. In other words, the super counter self-service device displays the account opening bank information corresponding to the receiving account, and the customer submits and confirms the account opening bank information corresponding to the receiving account. The super counter self-service device verifies that the account name, account number, and account opening bank of the receiving account are correct, and transfers the account closure funds to the receiving account of the bank other than the target account.

[0086] In the embodiment of the present application, if the customer's payment software is not authenticated by real name or there is an account anomaly in the receiving account of the bank to which the non-target account belongs, the collection may fail. At this time, the transaction result of the account closure funds is a transaction failure, and the super counter self-service device returns the account closure funds from the receiving account. The account closure business auditor can guide the customer to conduct business verification at the bank counter, and the teller at the bank counter will withdraw the account closure funds and pay them to the customer.

[0087] In the embodiment of the present application, if the transaction result of the account closing fund is successful, the super counter self-service device can directly display the transaction result of the account closing fund as successful. The customer can print the receipt after the account closing fund settlement through the super counter self-service device as an archive of the account closing.

[0088] It can be seen that the account cancellation fund settlement method provided in the embodiment of the present application and the super counter self-service device improve the security of account cancellation through multiple identity verifications such as target account password verification, customer identity information verification, customer biometric verification, network risk verification and terminal verification code verification, thereby avoiding business and financial risks and enhancing the security of transactions. After the customer's identity verification is passed, the super counter self-service device displays the account settlement information of the account to the customer and pays the account cancellation funds according to the settlement channel selected by the customer, so that the customer has multiple channels to choose from, thereby enhancing the flexibility of fund transfer, improving the processing speed and efficiency of account cancellation business, and improving customer experience.

[0089] Based on the account cancellation fund settlement method provided in the above embodiment, the embodiment of the present application also provides an account cancellation fund settlement system, and its working principle is described in detail below with reference to the accompanying drawings.

[0090] See also Figure 4 , which is a structural diagram of an account cancellation fund settlement system provided in an embodiment of the present application.

[0091] The account cancellation fund settlement system 100 provided in this embodiment includes a super counter self-service device 110;

[0092] The super counter self-service device 110 is used to respond to a customer's account cancellation request for a target account, perform identity verification on the customer according to the account cancellation request, and obtain an identity verification result; if the identity verification result is verification passed, display the account settlement information of the target account, and the account settlement information at least includes a settlement channel; in response to the customer's selection operation of a settlement channel for the account settlement information, display the collection information of the corresponding settlement channel; in response to the customer's confirmation operation of the collection information, pay the account cancellation funds to the collection account corresponding to the settlement channel, and obtain the account cancellation funds transaction result.

[0093] As a possible implementation, the settlement channel includes payment software;

[0094] The super counter self-service device 110 is used for:

[0095] In response to the customer's selection operation of the payment software for the account settlement information, displaying the payment QR code of the payment software;

[0096] In response to the customer's scanning and payment collection operation for the payment QR code, the account closure funds are paid to the payment account corresponding to the payment software.

[0097] As a possible implementation, the settlement channel includes a bank to which the non-target account belongs;

[0098] The super counter self-service device 110 is used for:

[0099] In response to the customer's selection operation of the bank for the account settlement information, displaying a prompt for filling in the bank's payment information, and in response to the customer's filling operation for the payment information filling prompt, displaying payment account information;

[0100] In response to the customer's submission operation on the payment receiving account information, account closing funds are paid to the payment receiving account corresponding to the payment receiving account information.

[0101] As a possible implementation, the super counter self-service device 110 is also used for:

[0102] Based on the selection operation, a business application for account cancellation for the target account is generated;

[0103] In response to the customer's verification of the business application and the biometric confirmation of the account cancellation business auditor;

[0104] If the transaction result of the account closing funds is successful, upload the business application to the bank system.

[0105] As a possible implementation, the account cancellation request includes a card and discount account cancellation request;

[0106] Super counter self-service equipment 110, used for:

[0107] In response to a card cancellation request triggered by the customer inserting the card folding card corresponding to the target account into the super counter self-service device, the customer is subjected to identity verification including target account password verification, customer identity information verification, customer biometric verification and network risk verification according to the card folding card cancellation request.

[0108] As a possible implementation, the account cancellation request includes a debit card loss report request;

[0109] Super counter self-service equipment 110, used for:

[0110] In response to the customer inserting the identity document into the super counter self-service device, performing identity verification of the customer's identity information, customer biometrics and network risk verification on the customer to obtain a temporary verification result;

[0111] If the temporary verification result is verification passed, the account information of all accounts corresponding to the customer is displayed;

[0112] In response to the customer's request for reporting loss of a debit card of a target account among all the accounts, the customer is subjected to identity verification by verifying the target account password and verifying the terminal verification code according to the debit card reporting loss request.

[0113] As a possible implementation, the super counter self-service device 110 is also used for:

[0114] If the transaction result of the account closing funds is a transaction failure, the account closing funds will be returned from the receiving account.

[0115] It can be seen that the account cancellation and funds settlement system provided in this embodiment includes a super counter self-service device, which can realize the entire process of account cancellation, support multiple media, multiple channels, and multiple account cancellation methods, effectively reduce the pressure on bank counters, shorten business processing time, solve the problem of single account cancellation method, and better adapt to the payment habits of the public, improve customer experience while effectively avoiding risks.

[0116] Based on the account cancellation fund settlement method provided in the above embodiment, the embodiment of the present application further provides a super counter self-service device, which includes:

[0117] The processor and the memory may be one or more processors. In some embodiments of the present application, the processor and the memory may be connected via a bus or other means.

[0118] The memory may include a read-only memory and a random access memory, and provides instructions and data to the processor. A portion of the memory may also include an NVRAM. The memory stores an operating system and operating instructions, executable modules or data structures, or a subset thereof, or an extended set thereof, wherein the operating instructions may include various operating instructions for implementing various operations. The operating system may include various system programs for implementing various basic services and processing hardware-based tasks.

[0119] The processor controls the operation of the terminal device and may also be referred to as a CPU.

[0120] The method disclosed in the above embodiment of the present application can be applied to a processor or implemented by a processor. The processor can be an integrated circuit chip with signal processing capabilities. In the implementation process, each step of the above method can be completed by an integrated logic circuit of hardware in the processor or an instruction in the form of software. The above processor can be a general-purpose processor, DSP, ASIC, FPGA or other programmable logic device, discrete gate or transistor logic device, discrete hardware component. The methods, steps and logic block diagrams disclosed in the embodiments of the present application can be implemented or executed. The general-purpose processor can be a microprocessor or the processor can also be any conventional processor, etc. The steps of the method disclosed in the embodiment of the present application can be directly embodied as a hardware decoding processor to perform, or the hardware and software modules in the decoding processor can be combined to perform. The software module can be located in a mature storage medium in the field such as a random access memory, a flash memory, a read-only memory, a programmable read-only memory or an electrically erasable programmable memory, a register, etc. The storage medium is located in the memory, and the processor reads the information in the memory and completes the steps of the above method in combination with its hardware.

[0121] The embodiment of the present application also provides a computer-readable medium for storing program code, where the program code is used to execute any one of the methods of the aforementioned embodiments.

[0122] In the context of the present application, a computer-readable medium may be a tangible medium that may contain or store a program for use by or in conjunction with an instruction execution system, device, or equipment. A computer-readable medium may be a computer-readable signal medium or a computer-readable storage medium. A computer-readable medium may include, but is not limited to, electronic, magnetic, optical, electromagnetic, infrared, or semiconductor systems, devices, or equipment, or any suitable combination of the foregoing. A more specific example of a computer-readable storage medium may include an electrical connection based on one or more lines, a portable computer disk, a hard disk, a random access memory (RAM), a read-only memory (ROM), an erasable programmable read-only memory (EPROM or flash memory), an optical fiber, a portable compact disk read-only memory (CD-ROM), an optical storage device, a magnetic storage device, or any suitable combination of the foregoing.

[0123] It should be noted that the computer-readable medium mentioned above in the present application may be a computer-readable signal medium or a computer-readable storage medium or any combination of the above two. The computer-readable storage medium may be, for example, but not limited to, an electrical, magnetic, optical, electromagnetic, infrared, or semiconductor system, device or device, or any combination of the above. More specific examples of computer-readable storage media may include, but are not limited to: an electrical connection with one or more wires, a portable computer disk, a hard disk, a random access memory (RAM), a read-only memory (ROM), an erasable programmable read-only memory (EPROM or flash memory), an optical fiber, a portable compact disk read-only memory (CD-ROM), an optical storage device, a magnetic storage device, or any suitable combination of the above. In the present application, a computer-readable storage medium may be any tangible medium containing or storing a program that can be used by or in combination with an instruction execution system, device or device. In the present application, a computer-readable signal medium may include a data signal propagated in a baseband or as part of a carrier wave, which carries a computer-readable program code. This propagated data signal may take a variety of forms, including but not limited to electromagnetic signals, optical signals, or any suitable combination of the above. The computer readable signal medium may also be any computer readable medium other than a computer readable storage medium, which may send, propagate or transmit a program for use by or in conjunction with an instruction execution system, apparatus or device. The program code contained on the computer readable medium may be transmitted using any suitable medium, including but not limited to: wires, optical cables, RF (radio frequency), etc., or any suitable combination of the above.

[0124] When introducing elements of various embodiments of the present application, the articles "a," "an," "the," and "said" are intended to mean that there are one or more elements. The words "comprising," "including," and "having" are all inclusive and mean that there may be additional elements in addition to the listed elements.

[0125] It should be noted that a person skilled in the art can understand that all or part of the processes in the above method embodiments can be implemented by instructing related hardware through a computer program, and the program can be stored in a computer-readable storage medium, and when the program is executed, it can include the processes in the above method embodiments. The storage medium can be a disk, an optical disk, a read-only memory (ROM) or a random access memory (RAM), etc.

[0126] Computer program code for performing the operations of the present application may be written in one or more programming languages ​​or a combination thereof, including, but not limited to, object-oriented programming languages, such as Java, Smalltalk, C++, and conventional procedural programming languages, such as "C" or similar programming languages. The program code may be executed entirely on the user's computer, partially on the user's computer, as a separate software package, partially on the user's computer and partially on a remote computer, or entirely on a remote computer or server. In cases involving a remote computer, the remote computer may be connected to the user's computer via any type of network, including a local area network (LAN) or a wide area network (WAN), or may be connected to an external computer (e.g., via the Internet using an Internet service provider).

[0127] Each embodiment in this specification is described in a progressive manner, and the same or similar parts between the embodiments can be referred to each other, and each embodiment focuses on the differences from other embodiments. In particular, for the device embodiment, since it is basically similar to the method embodiment, the description is relatively simple, and the relevant parts can be referred to the partial description of the method embodiment. The device embodiment described above is merely schematic, and the units and modules described as separate components may or may not be physically separated. In addition, some or all of the units and modules may be selected according to actual needs to achieve the purpose of the scheme of this embodiment. A person of ordinary skill in the art can understand and implement it without paying creative work.

[0128] The above is only a preferred implementation of the present application. Although the present application has been disclosed as a preferred embodiment, it is not intended to limit the present application. Any technician familiar with the art can use the above disclosed methods and technical contents to make many possible changes and modifications to the technical solution of the present application without departing from the scope of the technical solution of the present application, or modify it into an equivalent embodiment of equivalent changes. Therefore, any simple modification, equivalent change and modification made to the above embodiments based on the technical essence of the present application without departing from the content of the technical solution of the present application still falls within the scope of protection of the technical solution of the present application.

Claims

1. A method for clearing funds for account cancellation, characterized in that: Applied to super counter self-service equipment, the method includes: In response to a request from a customer to cancel an account for a target account, performing identity verification on the customer according to the request to cancel the account, and obtaining an identity verification result; If the identity verification result is passed, the account settlement information of the target account is displayed, and the account settlement information at least includes the settlement channel; In response to the customer's selection operation of a settlement channel for the account settlement information, displaying the payment information of the corresponding settlement channel; In response to the customer's confirmation operation on the payment information, the account closing funds are paid to the payment account corresponding to the settlement channel to obtain the account closing funds transaction result.

2. The method according to claim 1, characterized in that The settlement channel includes payment software; In response to the customer's selection operation of a settlement channel for the account settlement information, displaying the payment information of the corresponding settlement channel includes: In response to the customer's selection operation of the payment software for the account settlement information, displaying the payment QR code of the payment software; In response to the customer's confirmation operation on the payment information, paying the account closing funds to the payment account corresponding to the settlement channel includes: In response to the customer's scanning and payment collection operation for the payment QR code, the account closure funds are paid to the payment account corresponding to the payment software.

3. The method according to claim 1, characterized in that The settlement channel includes a bank that is not the target account; In response to the customer's selection operation of a settlement channel for the account settlement information, displaying the payment information of the corresponding settlement channel includes: In response to the customer's selection operation of the bank for the account settlement information, displaying a prompt for filling in the bank's payment information, and in response to the customer's filling operation for the payment information filling prompt, displaying payment account information; In response to the customer's confirmation operation on the payment information, paying the account closing funds to the payment account corresponding to the settlement channel includes: In response to the customer's submission operation on the payment receiving account information, account closing funds are paid to the payment receiving account corresponding to the payment receiving account information.

4. The method according to claim 3, characterized in that: Before displaying the payment information of the corresponding settlement channel, the method further includes: Based on the selection operation, a business application for account cancellation for the target account is generated; In response to the customer's verification of the business application and the biometric confirmation of the account cancellation business auditor; After obtaining the account closing fund transaction result, the method further includes: If the transaction result of the account closing funds is successful, upload the business application to the bank system.

5. The method according to claim 1, characterized in that The account cancellation request includes a card and discount account cancellation request; In response to the account cancellation request of the customer for the target account, performing identity verification on the customer according to the account cancellation request includes: In response to a card cancellation request triggered by the customer inserting the card folding card corresponding to the target account into the super counter self-service device, the customer is subjected to identity verification including target account password verification, customer identity information verification, customer biometric verification and network risk verification according to the card folding card cancellation request.

6. The method according to claim 1, characterized in that The account cancellation request includes a debit card loss report request; In response to the account cancellation request of the customer for the target account, performing identity verification on the customer according to the account cancellation request includes: In response to the customer inserting the identity document into the super counter self-service device, the customer is verified for identity information, biometrics and network risk, and a temporary verification result is obtained; If the temporary verification result is verification passed, the account information of all accounts corresponding to the customer is displayed; In response to the customer's request for reporting loss of a debit card of a target account among all the accounts, the customer is subjected to identity verification by verifying the target account password and verifying the terminal verification code according to the debit card reporting loss request.

7. The method according to any one of claims 1 to 6, characterized in that: The method further comprises: If the transaction result of the account closing funds is a transaction failure, the account closing funds will be returned from the receiving account.

8. An account cancellation fund settlement system, characterized in that: The account cancellation fund settlement system includes a super counter self-service device; The super counter self-service device is used to respond to a customer's account cancellation request for a target account, perform identity verification on the customer according to the account cancellation request, and obtain an identity verification result; if the identity verification result is verification passed, display the account settlement information of the target account, and the account settlement information at least includes a settlement channel; in response to the customer's selection operation of a settlement channel for the account settlement information, display the collection information of the corresponding settlement channel; in response to the customer's confirmation operation of the collection information, pay the account cancellation funds to the collection account corresponding to the settlement channel, and obtain the account cancellation funds transaction result.

9. A super counter self-service device, characterized in that: The device comprises: a processor and a memory; The memory is used to store instructions; The processor is used to execute the instructions in the memory to perform the method according to any one of claims 1 to 7.

10. A computer-readable medium, characterized in that The method comprises instructions which, when executed on a computer, cause the computer to execute the method according to any one of claims 1 to 7.

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