Card-free withdrawal method and device, storage medium and electronic equipment

Abstract

The invention discloses a card-free withdrawal method and device, a storage medium and electronic equipment, and relates to the field of financial science and technology. The method comprises the following steps: receiving a target message sent by intelligent equipment through a target server, and analyzing the target message to obtain an analysis result; sending the analysis result to a first server corresponding to the affiliation financial institution, and performing information verification on the analysis result through the first server to obtain a verification result; sending the verification result to the target server through the first server, and sending the verification result to the intelligent device through the target server; when the verification result is that the verification is passed, receiving a withdrawal instruction of the user through the intelligent equipment, and sending the withdrawal instruction to the target server; and based on the withdrawal instruction, controlling the withdrawal machine to carry out card-free withdrawal processing through the target server. The technical problems that in the existing card-free cash withdrawal technology, the operation of card-free cash withdrawal reservation is tedious, and inter-bank card-free cash withdrawal is not supported are solved.

Description

Technical Field

[0001] The present application relates to the field of financial technology, and specifically to a cardless withdrawal method, device, storage medium and electronic device. Background Art

[0002] Driven by the wave of digital finance, cardless cash withdrawal is increasingly popular as a convenient way to withdraw cash. However, existing cardless cash withdrawal services still face significant technical bottlenecks, particularly in terms of inter-bank operations and user experience.

[0003] Users are often forced to download and manage multiple banks' mobile banking apps in order to schedule cardless cash withdrawals between different banks. This process not only consumes users' time and device resources, but also increases operational complexity and potential security risks. Furthermore, each bank's cardless withdrawal services are generally limited to accounts and self-service devices within the same bank, lacking cross-bank compatibility. This makes it difficult for users to access cardless cash in emergencies or when they are near non-bank devices. These technical issues limit the popularity and efficiency of cardless withdrawal services, especially in a diversified financial ecosystem where user demand for cross-bank services is growing.

[0004] To address the above-mentioned problems, no effective solutions have been proposed so far. Summary of the Invention

[0005] The present application provides a cardless withdrawal method, device, storage medium and electronic device to at least solve the technical problems in existing cardless withdrawal technology, such as the need for users to pre-install mobile banking applications of multiple banks and make cardless withdrawal reservations separately, and the lack of support for inter-bank cardless withdrawal.

[0006] According to one aspect of the present application, a cardless withdrawal method is provided, comprising: receiving a target message sent by a smart device through a target server, parsing the target message to obtain a parsing result, wherein the target message is used to represent the cardless withdrawal application information submitted by the user, and the parsing result includes at least the bank card's financial institution, user identity information, and bank card information; sending the parsing result to a first server corresponding to the financial institution, performing information verification on the parsing result through the first server to obtain a verification result; sending the verification result to the target server through the first server, and sending the verification result to the smart device through the target server; when the verification result is passed, receiving the user's withdrawal instruction through the smart device, and sending the withdrawal instruction to the target server, wherein the withdrawal instruction carries an identifier of the withdrawal machine; based on the withdrawal instruction, controlling the withdrawal machine through the target server to perform cardless withdrawal processing.

[0007] Optionally, receiving a target message sent by a smart device through a target server includes: receiving user input information through the smart device, wherein the input information includes at least user identity information, bank card information, and withdrawal amount; compiling the input information into a target format to obtain first information; encrypting the first information, and assembling the encrypted first information into a target message; and sending the target message to the target server.

[0008] Optionally, based on the withdrawal instruction, the target server is used to control the withdrawal machine to perform cardless withdrawal processing, including: parsing the withdrawal instruction through the target server to obtain a first parsing result, wherein the first parsing result at least includes the withdrawal financial institution corresponding to the identifiers of the home financial institution and the withdrawal machine; determining through the target server whether the home financial institution and the withdrawal financial institution are the same; when it is detected that the home financial institution and the withdrawal financial institution are not the same, calling the second server corresponding to the withdrawal financial institution through the target server to perform registration processing to obtain a registration processing result, wherein the registration processing is used to record information on cardless withdrawal based on the withdrawal instruction; sending the registration processing result to the target server; when the target server detects that the registration processing result is successful, controlling the withdrawal machine to perform cardless withdrawal processing.

[0009] Optionally, when the target server detects that the registration processing result is successful, the cash withdrawal machine is controlled to perform cardless withdrawal processing, including: sending a cash withdrawal instruction to the second server corresponding to the withdrawal financial institution through the target server; according to the cash withdrawal instruction, the cash withdrawal machine is controlled by the second server to perform cardless withdrawal processing.

[0010] Optionally, when the target server detects that the registration processing result is successful, after controlling the cash withdrawal machine to perform cardless withdrawal processing, the method also includes: sending the withdrawal result of the cardless withdrawal processing to the first server corresponding to the affiliated financial institution through the target server; recording the withdrawal result in a pending inter-bank clearing register through the first server, wherein the pending inter-bank clearing register is used to record the pending clearing information of transactions involving cardless withdrawals; based on the pending inter-bank clearing register, reconciliation processing and fund settlement processing are performed through the first server and the second server corresponding to the withdrawal financial institution.

[0011] Optionally, before receiving the target message sent by the smart device through the target server, the method also includes: receiving a signing request from the user through the smart device, wherein the signing request is used to request a contract for cardless cash withdrawal, and the signing request includes at least information of a bank card that allows cardless cash withdrawal and user identity information; compiling the signing request into a second message through the smart device, and sending the second message to the target server; identifying the financial institution corresponding to the bank card in the second message through the target server; sending the second message to a server corresponding to the financial institution through the target server according to the financial institution to perform a signing operation; receiving a processing result of the signing operation through the target server, and sending the processing result to the smart device.

[0012] Optionally, after controlling the withdrawal machine to perform cardless withdrawal processing based on the withdrawal instruction through the target server, the method also includes: encrypting and encapsulating the business processing results, and sending the encrypted and encapsulated business processing results to the smart device, wherein the business processing results at least include: the withdrawal results of the cardless withdrawal processing.

[0013] According to another aspect of the present application, a cardless withdrawal device is also provided, including: a parsing unit, used to receive a target message sent by a smart device through a target server, parse the target message, and obtain a parsing result, wherein the target message is used to represent the cardless withdrawal application information submitted by the user, and the parsing result includes at least the bank card's financial institution, user identity information, and bank card information; a verification unit, used to send the parsing result to a first server corresponding to the financial institution, and perform information verification on the parsing result through the first server to obtain a verification result; a sending unit, used to send the verification result to the target server through the first server, and send the verification result to the smart device through the target server; a receiving unit, used to receive the user's withdrawal instruction through the smart device when the verification result is passed, and send the withdrawal instruction to the target server, wherein the withdrawal instruction carries an identifier of the withdrawal machine; a control unit, used to control the withdrawal machine to perform cardless withdrawal processing through the target server based on the withdrawal instruction.

[0014] According to another aspect of the present application, a computer-readable storage medium is also provided, which includes a stored executable program, wherein when the executable program runs, the device where the computer-readable storage medium is located is controlled to execute the above-mentioned cardless withdrawal method.

[0015] According to another aspect of the present application, an electronic device is also provided, comprising one or more processors and a memory, wherein the memory is used to store one or more programs, wherein when the one or more programs are executed by the one or more processors, the one or more processors execute the above-mentioned cardless withdrawal method.

[0016] According to another aspect of an embodiment of the present application, a computer program product is also provided, comprising computer instructions, which implement the steps of the above-mentioned cardless withdrawal method when executed by a processor.

[0017] In this application, the target message sent by the smart device is first received through the target server, and the target message is parsed to obtain a parsing result, wherein the target message is used to represent the cardless withdrawal application information submitted by the user, and the parsing result includes at least the bank card's financial institution, user identity information and bank card information. The parsing result is then sent to the first server corresponding to the financial institution, and the parsing result is verified by the first server to obtain a verification result. The verification result is then sent to the target server through the first server, and the verification result is sent to the smart device through the target server. Afterwards, when the verification result is passed, the user's withdrawal instruction is received through the smart device, and the withdrawal instruction is sent to the target server, wherein the withdrawal instruction carries the identifier of the withdrawal machine. Finally, based on the withdrawal instruction, the withdrawal machine is controlled by the target server to perform cardless withdrawal processing.

[0018] The above technical solution is based on the interactive verification and control mechanism of messages, which realizes the information transmission and processing from smart devices to target servers and then to the servers of the affiliated financial institutions. Users do not need to pre-install multiple bank applications or make separate appointments to perform cardless cash withdrawal operations on self-service devices of different banks, thereby simplifying the user withdrawal appointment process and supporting cross-bank cardless operations, thereby achieving the technical effect of significantly improving the convenience and service scope of cardless cash withdrawal, and thus solving the cumbersome operations of existing cardless cash withdrawal technologies, such as users needing to pre-install mobile banking applications of multiple banks and make separate cardless cash withdrawal appointments, and the technical problems of not supporting cross-bank cardless cash withdrawal. BRIEF DESCRIPTION OF THE DRAWINGS

[0019] The drawings described herein are used to provide a further understanding of the present application and constitute a part of the present application. The illustrative embodiments of the present application and their descriptions are used to explain the present application and do not constitute an improper limitation on the present application. In the drawings:

[0020] Figure 1 is a flow chart of an optional cardless withdrawal method according to an embodiment of the present application;

[0021] Figure 2 is a block diagram of an optional cardless withdrawal system according to an embodiment of the present application;

[0022] Figure 3 This is a schematic diagram of an optional 5G message terminal device module according to an embodiment of the present application;

[0023] Figure 4This is a schematic diagram of an optional 5G message cardless cash withdrawal processing server module according to an embodiment of the present application;

[0024] Figure 5 is a schematic diagram of an optional banking system service calling module according to an embodiment of the present application;

[0025] Figure 6 is a schematic diagram of an optional banking business processing system module according to an embodiment of the present application;

[0026] Figure 7 is a schematic diagram of an optional cardless cash withdrawal processing service module according to an embodiment of the present application;

[0027] Figure 8 This is a flowchart of an optional 5G message-based cardless cash withdrawal service processing according to an embodiment of the present application;

[0028] Figure 9 This is a schematic diagram of an optional cardless cash withdrawal device according to an embodiment of the present application. DETAILED DESCRIPTION

[0029] In order to enable those skilled in the art to better understand the present invention, the following will clearly and completely describe the technical solutions in the embodiments of the present invention in conjunction with the drawings in the embodiments of the present invention. Obviously, the described embodiments are only part of the embodiments of the present invention, not all of the embodiments. Based on the embodiments in the present invention, all other embodiments obtained by ordinary technicians in this field without making creative efforts should fall within the scope of protection of this application.

[0030] It should be noted that the terms "first", "second", etc. in the specification and claims of the present application and the above-mentioned drawings are used to distinguish similar objects and are not necessarily used to describe a specific order or sequential order. It should be understood that the data used in this way can be interchangeable where appropriate, so that the embodiments of the present application described herein can be implemented in a sequence other than those illustrated or described herein. In addition, the terms "including" and "having" and any of their variations are intended to cover non-exclusive inclusions, for example, a process, method, system, product or device comprising a series of steps or units is not necessarily limited to those steps or units clearly listed, but may include other steps or units that are not clearly listed or inherent to these processes, methods, products or devices.

[0031] It should be noted that the collected information (including but not limited to user device information, user personal information, etc.) and data (including but not limited to data for display, data for analysis, etc.) involved in this application are information and data authorized by the user or fully authorized by all parties, and the collection, storage, use, processing, transmission, provision, disclosure and application of the relevant data comply with relevant laws, regulations and standards, take necessary confidentiality measures, do not violate public order and good morals, and provide corresponding operation portals for users to choose to authorize or refuse. For example, an interface is set up between this system and relevant users or institutions to provide users with corresponding operation portals for users to choose to agree or refuse the automated decision-making results; if the user chooses to refuse, the expert decision-making process will be entered.

[0032] According to an embodiment of the present application, a method embodiment of a cardless withdrawal method is provided. It should be noted that the steps shown in the flowchart of the accompanying drawings can be executed in a computer system such as a set of computer-executable instructions, and although a logical order is shown in the flowchart, in some cases, the steps shown or described can be executed in an order different from that shown here.

[0033] Figure 1 This is a flow chart of an optional cardless withdrawal method according to an embodiment of the present application, such as Figure 1 As shown, the method includes the following steps:

[0034] Step S101: receiving a target message sent by a smart device through a target server, parsing the target message, and obtaining a parsing result.

[0035] In step S101, the target message is used to represent the cardless withdrawal application information submitted by the user, and the parsing result includes at least the financial institution to which the bank card belongs, the user's identity information, and the bank card information.

[0036] Optionally, the target server refers to the cardless cash withdrawal service processing server based on 5G messages, which is the core of the entire technical solution and is responsible for receiving, parsing and processing all relevant 5G messages from smart devices.

[0037] It should be noted that the target server can be used as the execution subject of the cardless withdrawal method of the embodiment of the present application. It is understandable that the cardless withdrawal method provided in the embodiment of the present application can also be executed by other systems or devices, and the embodiment of the present application does not specifically limit this.

[0038] Optionally, smart device: specifically refers to a terminal capable of sending 5G messages, such as a 5G smartphone, through which the user sends a cardless cash withdrawal application.

[0039] Optionally, target message: a 5G message in a specified format sent by the user through a smart device, used to convey cardless cash withdrawal application information, including but not limited to the withdrawal amount, bank card number and affiliated bank, etc.

[0040] Optionally, parsing result: the key information set obtained by the target server after parsing the target message, which at least includes the bank card's financial institution, user identity information and specific bank card information, is the basis for the next step of verification.

[0041] Alternatively, the user can compose and send a 5G message requesting a cardless withdrawal on their smart device. Upon receiving the message, the target server uses the 5G message parsing and conversion module to parse the information, identifying the financial institution and other necessary information related to the user's bank card. This step is the starting point of the entire process, ensuring that subsequent steps are accurately directed to the correct bank and account.

[0042] Step S102: Send the parsing result to the first server corresponding to the financial institution, and verify the parsing result through the first server to obtain a verification result.

[0043] Optionally, the first server corresponding to the financial institution refers to the business system of the bank to which the user's bank card belongs, and is responsible for verifying the validity of the user's identity and account information.

[0044] Optionally, information verification: After receiving the parsing result, the bank's business system verifies the user's identity and account information related to the withdrawal to ensure the legitimacy and security of the withdrawal request.

[0045] Optionally, the target server sends the parsed results to the business system of the bank to which the user's bank card belongs. The bank then uses the user information verification service module to perform a series of verification operations, such as checking the user's identity, verifying the validity of the card number, and verifying the sufficiency of the account balance. If the verification is successful, the bank generates a verification pass message; otherwise, it generates a verification failure message. This process ensures the security of withdrawal operations and the legitimacy of the account.

[0046] Step S103: Send the verification result to the target server through the first server, and send the verification result to the smart device through the target server.

[0047] Optionally, verification result: the result returned by the home bank after completing the information verification, indicating whether the user can make a cardless withdrawal.

[0048] Alternatively, the verification result is sent from the bank's first server to the target server, which then compiles it into a 5G message and sends it to the user's smart device via the 5G network. The 5G message receiving and displaying module on the smart device interprets and displays the verification result. Based on the displayed message, the user confirms whether to proceed with the cardless cash withdrawal operation using an interactive control.

[0049] Step S104: When the verification result is passed, the user's withdrawal instruction is received through the smart device and the withdrawal instruction is sent to the target server.

[0050] In step S104, the withdrawal instruction carries the identifier of the withdrawal machine.

[0051] Optionally, a withdrawal instruction is a final instruction issued by the user through a smart device, confirming the withdrawal and carrying a unique identifier of a target withdrawal machine, which is used to direct a target server to control a specific withdrawal machine.

[0052] Optionally, an identifier of the cash withdrawal machine: a unique code or identification of each cash withdrawal machine (ATM / CRS) to ensure the accuracy of the cash withdrawal operation.

[0053] Optionally, the target server in this embodiment can be deployed as an independent server, or integrated into current mainstream bank self-service equipment, such as ATM machines and CRS machines.

[0054] Alternatively, if the home bank's verification result is positive, the user confirms the withdrawal via interactive controls on their smart device and sends a withdrawal instruction containing the target ATM identifier to the target server. This instruction specifies the specific ATM device the user wishes to use for the withdrawal, providing precise guidance for subsequent cardless withdrawal processing.

[0055] Step S105: Based on the withdrawal instruction, the target server controls the withdrawal machine to perform cardless withdrawal processing.

[0056] Optionally, cardless withdrawal processing: the target server controls the cash withdrawal machine to complete the cash counting and withdrawal process without the user having to present a physical bank card.

[0057] Optionally, based on the received withdrawal instruction, the target server identifies and controls the designated ATM to perform a cardless withdrawal. This process includes activating the ATM's cash dispenser and completing the cash count and delivery. If the withdrawal involves an interbank transaction, the target server will also notify the target bank to perform interbank clearing and registration to ensure transaction accuracy and fund flow compliance.

[0058] Optionally, Figure 2 is a block diagram of an optional cardless withdrawal system according to an embodiment of the present application, such as Figure 2 As shown, the system includes: 5G message terminal device 01, 5G message cardless cash withdrawal processing server 02, and banking business system cluster 03. Among them, 5G message terminal device 01, including but not limited to 5G smartphones, is mainly used to manage the contract and maintenance of user cardless cash withdrawal agreements, and to send 5G messages based on user operations; 5G message cardless cash withdrawal processing server 02, which can be deployed as a standalone server or integrated into current mainstream bank self-service equipment, such as ATMs and CRS machines; banking business system cluster 03 is the banking business system of existing banks, providing related service functions for cardless cash withdrawal, and can be the business systems of multiple banks, such as Bank A's business system, Bank B's business system, and Bank C's business system.

[0059] It can be seen from the contents of steps S101 to S105 that in this application, the target message sent by the smart device is first received through the target server, and the target message is parsed to obtain a parsing result, wherein the target message is used to represent the cardless withdrawal application information submitted by the user, and the parsing result at least includes the bank card's affiliated financial institution, user identity information and bank card information, and then the parsing result is sent to the first server corresponding to the affiliated financial institution, and the parsing result is verified by the first server to obtain a verification result, and then the verification result is sent to the target server through the first server, and the verification result is sent to the smart device through the target server, and then when the verification result is passed, the user's withdrawal instruction is received through the smart device, and the withdrawal instruction is sent to the target server, wherein the withdrawal instruction carries the identifier of the withdrawal machine, and finally based on the withdrawal instruction, the withdrawal machine is controlled by the target server to perform cardless withdrawal processing.

[0060] The above technical solution is based on the interactive verification and control mechanism of messages, which realizes the information transmission and processing from smart devices to target servers and then to the servers of the affiliated financial institutions. Users do not need to pre-install multiple bank applications or make separate appointments to perform cardless cash withdrawal operations on self-service devices of different banks, thereby simplifying the user withdrawal appointment process and supporting cross-bank cardless operations, thereby achieving the technical effect of significantly improving the convenience and service scope of cardless cash withdrawal, and thus solving the cumbersome operations of existing cardless cash withdrawal technologies, such as users needing to pre-install mobile banking applications of multiple banks and make separate cardless cash withdrawal appointments, and the technical problems of not supporting cross-bank cardless cash withdrawal.

[0061] In an optional embodiment, the user's input information is first received through a smart device, wherein the input information includes at least user identity information, bank card information and withdrawal amount, and then the input information is compiled into a target format to obtain first information, and then the first information is encrypted and the encrypted first information is assembled into a target message, and finally the target message is sent to the target server.

[0062] Optionally, first, a smart device (such as a 5G smartphone) receives user input through its internal information input module. This information is the core element of the cardless cash withdrawal service and should at least include the user's identity information (such as mobile phone number, name, or ID number), bank card details (such as the issuing bank, card number, or account type), and the desired withdrawal amount. This step ensures that all necessary details are provided accurately by the user, allowing subsequent operations to proceed smoothly.

[0063] Optionally, the input information will then be compiled into a target format by the 5G message compilation and transmission module on the smart device, forming a preliminary first message. The target format is designed to follow unified specifications to facilitate understanding and processing across different banking systems. Subsequently, to ensure the security of information during transmission, the first message is encrypted, using advanced encryption algorithms to encapsulate sensitive information. This ensures that even if the information is intercepted during transmission, it cannot be easily deciphered, significantly strengthening the security barrier of the entire cardless cash withdrawal process.

[0064] Optionally, the target message is obtained by further converting and encapsulating the encrypted first information, and contains complete header information, encrypted information body and tail end flag to ensure data integrity and identifiability. The target message not only contains the necessary cash withdrawal application information, but also embeds the communication protocol between the smart device and the target server, so that it can be quickly transmitted to the target server in the 5G network environment, that is, the 5G message cardless cash withdrawal processing server, for subsequent processing. This process makes full use of the high speed and low latency characteristics of the 5G network, speeds up information transmission, and provides users with a smoother experience.

[0065] Optionally, Figure 3 is a schematic diagram of an optional 5G message terminal device module according to an embodiment of the present application, such as Figure 3 As shown, the module mainly includes a server connection module 31, a cardless cash withdrawal agreement management module 32, an information input module 33, a 5G message compilation and sending module 34, a 5G message receiving and display module 35, and a 5G message data storage module 36.

[0066] Among them, the server connection module 31: This module is used to identify the 5G message cardless cash withdrawal processing server signal and establish a connection. If the server signal is not obtained, it will prompt that no available withdrawal terminal is found; the cardless cash withdrawal agreement management module 32: Users can use this module to manage the cardless cash withdrawal agreement information of their bank cards, including signing agreements, modifying agreements, canceling agreements, and other operations; the information input module 33: Users use this module to enter cardless cash withdrawal application information. The terminal provides convenient information input modes such as free text input, preset script quick input, and voice input; the 5G message compilation and transmission module 34: This module mainly realizes the compilation and encryption of the cardless cash withdrawal application information entered by the user through the information input module 13, assembling it into a 5G message, and sending it to the 5G message cardless cash withdrawal processing server at the same time; the 5G message reception and display module 35: This module is used to receive the processing result 5G message sent by the 5G message cardless cash withdrawal processing server, and parse and display the 5G message. After the processing result 5G message is parsed and displayed, it may carry user interaction controls, and the user can perform operations through the interactive controls, such as confirmation, cancellation, etc.; 5G message data storage module 36: responsible for the storage of 5G message data in the terminal device.

[0067] It can be seen from the above content that, through the above specific implementation methods, this embodiment effectively constructs a front-end processing flow for cardless cash withdrawal from user information collection to information encryption, format conversion and target message sending. This process ensures that users can easily and quickly submit cardless cash withdrawal applications to the target server through smart devices, while ensuring the security and confidentiality of transmitted information through encryption technology. More importantly, it simplifies user operations and eliminates the trouble of switching between multiple bank apps, especially for those users who need to withdraw money across banks, the experience has been significantly improved. In addition, the use of target format and encryption processing also enables the system to better adapt to possible future upgrades and expansions, laying a solid foundation for the continuous provision of high-quality cardless cash withdrawal services. In summary, the technical solution of this embodiment effectively optimizes the user-side cash withdrawal application process, improves the security and efficiency of information transmission, and thus improves the overall user experience, especially when facing cross-bank cash withdrawal needs, it shows great advantages.

[0068] In an optional embodiment, the withdrawal instruction is parsed by the target server to obtain a first parsing result, wherein the first parsing result at least includes the withdrawal financial institution corresponding to the identifiers of the home financial institution and the withdrawal machine, and then the target server determines whether the home financial institution and the withdrawal financial institution are the same. When it is detected that the home financial institution and the withdrawal financial institution are not the same, the target server calls the second server corresponding to the withdrawal financial institution to perform registration processing to obtain a registration processing result, wherein the registration processing is used to record the information of cardless withdrawal based on the withdrawal instruction, and then send the registration processing result to the target server. After that, when the target server detects that the registration processing result is successful, the withdrawal machine is controlled to perform cardless withdrawal processing.

[0069] Optionally, when the user confirms the withdrawal through the smart device, a withdrawal instruction will be sent to the target server. After receiving the instruction, the target server immediately starts the 5G message parsing and conversion module to parse the withdrawal instruction to obtain a first parsing result. The first parsing result contains at least the information of the home bank (i.e., the home financial institution) and the identifier of the withdrawal device (ATM / CRS) selected by the user. The identifier can be directly mapped to another bank other than the home bank (i.e., the withdrawal financial institution), which provides key information for subsequent inter-bank operations.

[0070] Optionally, next, the target server determines whether the financial institution to which the withdrawal is made is the same as the financial institution to which the withdrawal is made. If it is detected that the two banks are different, it indicates that this is an inter-bank cardless cash withdrawal operation. At this point, the target server will perform a registration process by calling the second server corresponding to the withdrawal financial institution, that is, the business system of the bank. The purpose of the registration process is to record the relevant information of the cardless cash withdrawal in the system of the withdrawal financial institution based on the withdrawal instruction, including but not limited to the withdrawal amount, user identity, and transaction details related to this withdrawal, to ensure that all information is accurate and complete when clearing between different banks.

[0071] Optionally, after the registration process is complete, the second server feeds the registration result back to the target server. If the target server detects a successful registration result, it indicates that all preparatory stages for interbank cardless cash withdrawal have been successfully completed, the user's identity has been verified, and the transaction record has been correctly registered. At this point, the target server drives the cash dispensing module to send instructions to the ATM, controlling it to perform the cardless withdrawal process, thereby completing the cash counting and disbursement process while ensuring the security and compliance of the entire process.

[0072] Optionally, Figure 4 is a schematic diagram of an optional 5G message cardless cash withdrawal processing server module according to an embodiment of the present application, such as Figure 4As shown, it includes a 5G network access module 41, a 5G information receiving module 42, a 5G message parsing and conversion module 43, a banking business system connection module 44, a banking business system service calling module 45, a driving cash dispensing module 46, a 5G message compiling and sending module 47, and a 5G message data storage module 48.

[0073] The 5G network access module 41 provides 5G network infrastructure services, connecting the 5G message cardless withdrawal processing server to the 5G network and enabling signal discovery and connection for the 5G message terminal device 01. In the ATM / CRS integration scenario, the device's built-in 5G module capabilities are directly invoked.

[0074] 5G information receiving module 42: This module is used to receive 5G messages (such as application and withdrawal confirmation instructions) for cardless cash withdrawal services sent by 5G terminal devices (user mobile phones) as input to the 5G message parsing and conversion module 43.

[0075] 5G message parsing and conversion module 43: parses the 5G message of cardless cash withdrawal service sent by the 5G terminal device received by the 5G information receiving module 42, obtains the user's cardless cash withdrawal application information, identifies the target bank, and converts the data into the interface protocol of the corresponding banking business system (such as JSON / XML message) according to the target bank identifier.

[0076] Banking system connection module 44: establishes a secure communication link with the back-end systems of multiple banks, is used for the connection between the 5G message cardless cash withdrawal processing server and the business processing systems of each bank, and supports the transmission of relevant information.

[0077] Banking business system service calling module 45: This module is used to call the relevant services of the banking business system.

[0078] Drive the cash dispensing module 46: call the target bank's cardless cash withdrawal processing service according to the cardless cash withdrawal transaction agent calling submodule 253. After successful processing, the returned cash dispensing driving instruction drives the cash dispensing submodule to complete the cash dispensing.

[0079] 5G message compilation and transmission module 47: encrypts and encapsulates service results (appointment success notification, withdrawal result, verification code, etc.) according to the 5G message standard and pushes them to the user terminal via the 5G network, supporting rich media formats (text + button / card).

[0080] 5G message data storage module 48: responsible for storing the original 5G message data and the converted business flow (including timestamp, terminal IP, bank response).

[0081] Optionally, Figure 5 Schematic diagram of an optional banking system service calling module according to an embodiment of the present application, such as Figure 5As shown, the banking business system service calling module 45 includes a cardless cash withdrawal agreement agent calling submodule 451, a user information verification agent calling submodule 452, a cardless cash withdrawal transaction agent calling submodule 453, and an inter-bank cardless cash withdrawal result notification service calling submodule 454.

[0082] The cardless cash withdrawal agreement proxy call submodule 451 calls the target bank's cardless cash withdrawal agreement management service to perform agreement information maintenance based on the user cardless cash withdrawal agreement maintenance information received and converted by the 5G information receiving module 42. It also receives the bank's agreement information maintenance processing result (pass / fail) and triggers subsequent processes.

[0083] The user information verification agent calling submodule 452 calls the target bank's user information verification service to verify the user's cardless cash withdrawal application information received and converted by the 5G information receiving module 42. The bank's verification result (pass / fail) is received and the subsequent process is triggered.

[0084] Cardless cash withdrawal transaction agent call submodule 453: The user information verification agent calls submodule 452, receives a message indicating that the target bank has passed the verification, and returns it to the 5G message terminal device for user confirmation. The 5G message receiving module 42 receives the user's cardless cash withdrawal confirmation message and calls the target bank's cardless cash withdrawal processing service.

[0085] Inter-bank cardless cash withdrawal result notification service calling sub-module 454: determines that the current cardless cash withdrawal is an inter-bank scenario, calls the inter-bank cardless cash withdrawal result notification service of the target bank, and synchronously pushes the success status of the inter-bank cardless cash withdrawal transaction to the target bank.

[0086] As can be seen from the above content, through the intelligent parsing capabilities of the target server and the efficient collaboration between the banking business systems, not only is it ensured that users can perform cardless cash withdrawal operations at any bank's ATM, but the entire process is automatically completed in the background without the need for additional user operations. This seamless connection experience greatly improves the convenience and user satisfaction of the cardless cash withdrawal service. In addition, the feedback mechanism of the registration processing results ensures that every step of inter-bank cash withdrawal is accurately recorded, which is crucial for subsequent clearing, reconciliation and possible dispute resolution. It not only simplifies the operating process, but also ensures the security and transparency of transactions, and is of great significance for promoting the stability of the financial system and the popularization of inter-bank services. In summary, the technical solution of this embodiment achieves the efficiency and security of inter-bank cardless cash withdrawal through intelligent parsing, financial institution matching and automatic registration processing, providing users with an unprecedented convenient service experience.

[0087] In an optional embodiment, the target server sends a cash withdrawal instruction to a second server corresponding to the withdrawal financial institution, and then controls the cash withdrawal machine to perform cardless withdrawal processing based on the cash withdrawal instruction.

[0088] Alternatively, in the specific implementation process of interbank cardless cash withdrawals, once the target server verifies the withdrawal instruction's legitimacy through interaction with the primary server of the financial institution, and the financial institution has verified the withdrawal instruction, the next step is to generate and send a cash withdrawal instruction. This instruction, issued by the target server, is directly addressed to the other bank from which the user wishes to withdraw funds—the withdrawing financial institution. The target server identifies the corresponding banking system service for the withdrawing financial institution—the secondary server—and uses this information to construct a cash withdrawal instruction. This instruction contains detailed withdrawal information, such as the withdrawal amount, user authentication data, and any special requirements or conditions related to the withdrawal operation.

[0089] Optionally, upon receiving a cash withdrawal instruction from the target server, the second server enters a processing state. As the core business processing system within the withdrawal financial institution, the second server has full authority and capabilities to control all ATMs under its management. Based on the contents of the cash withdrawal instruction, it controls the ATM to initiate the cardless cash withdrawal process. This control process may involve the coordinated operation of multiple internal systems and modules, such as the cash withdrawal driver submodule, to ensure that the ATM accurately counts and dispenses cash according to the instructions. During this process, the second server also conducts necessary clearing and registration with the parent financial institution to ensure the financial balance and compliance of interbank transactions.

[0090] Optionally, the ATM finally receives a start instruction from the second server and begins processing cardless cash withdrawals. This step eliminates the need for traditional physical card insertion and instead relies entirely on electronic instructions and multiple steps of verification, including user identity confirmation, account balance verification, and adherence to withdrawal limit regulations. Through sophisticated electronic systems, the ATM can quickly and accurately dispense cash, achieving true cardless withdrawal functionality and meeting modern user demands for convenient and efficient financial services.

[0091] As can be seen from the above content, the technical solution of this embodiment focuses on the precise control and automated execution of inter-bank cardless cash withdrawal operations. Through the seamless connection between the target server and the second server of the withdrawal financial institution, the accurate generation and rapid transmission of cash withdrawal instructions are ensured, thereby enabling the withdrawal machine to complete safe and compliant cash distribution without the intervention of physical cards. This method not only greatly improves the user's cash withdrawal experience, but also promotes the coordinated development of inter-bank services and reduces the potential risks caused by physical cards (such as loss, stolen cards, etc.). In addition, the automated process reduces the need for manual intervention, helps to improve service efficiency and reduce operating costs, and also provides financial institutions with more optimization space for data security and management. Overall, this implementation method achieves a high degree of automation and security in inter-bank cardless cash withdrawal operations, providing users with a new and more convenient financial service method.

[0092] In an optional embodiment, the withdrawal result of the cardless withdrawal processing is sent to the first server corresponding to the affiliated financial institution through the target server, and then the withdrawal result is recorded in the inter-bank clearing register through the first server, wherein the inter-bank clearing register is used to record the pending clearing information of the transactions involving the cardless withdrawal. Finally, based on the inter-bank clearing register, reconciliation processing and fund settlement processing are performed through the first server and the second server corresponding to the withdrawal financial institution.

[0093] Optionally, once the target server controls the ATM to complete the cardless withdrawal operation, the next step is to ensure the financial transparency and compliance of the entire interbank transaction. The target server sends the withdrawal result of the cardless withdrawal process back to the first server corresponding to the affiliated financial institution. The withdrawal result not only contains basic transaction information such as the withdrawal amount, withdrawal time, and ATM identification, but also status information indicating whether the transaction was successful.

[0094] Optionally, after receiving the withdrawal result, the first server will record it in the pending interbank clearing register. The pending interbank clearing register is an internal database within the bank that records all pending clearing information related to interbank cardless withdrawal transactions. This function is crucial because it ensures that all interbank withdrawal transactions are traceable, providing a solid foundation for subsequent clearing and reconciliation. Once recorded, the first server will perform preliminary financial processing based on the information in the register in preparation for reconciliation with the second server corresponding to the withdrawing financial institution.

[0095] Optionally, based on the records in the interbank clearing register, the first server will perform reconciliation and fund settlement processing with the second server. The reconciliation process involves the two banks' systems verifying transaction information to ensure the consistency and accuracy of transaction records. Once the reconciliation is correct, fund settlement is initiated, and the home bank will settle the corresponding withdrawal amount (plus interbank transaction fees, if any) to the withdrawing financial institution, ensuring financial balance and transaction compliance. The entire process is automated and efficient, requiring no human intervention, significantly reducing operational errors and processing time.

[0096] Optionally, Figure 6 is a schematic diagram of an optional banking business processing system module according to an embodiment of the present application, such as Figure 6 As shown, it includes a cardless cash withdrawal agreement management service module 61, a user information verification service module 62, a cardless cash withdrawal processing service module 63, an inter-bank cardless cash withdrawal result notification service module 64, and an inter-bank cardless cash withdrawal reconciliation and settlement module 65.

[0097] Among them, the cardless cash withdrawal agreement management service module 61: provides the bank's cardless cash withdrawal agreement management service function, allowing users to manage the cardless cash withdrawal agreement of their bank cards through the 5G message terminal, including signing, changing, canceling and other functional operations.

[0098] User information verification service module 62: upon receiving the forwarded cardless cash withdrawal application information, verifies the authenticity and validity of the user identity and transaction information.

[0099] Cardless cash withdrawal processing service module 63: responsible for the core process processing, account recording and result notification of cardless cash withdrawal transactions, including cardless cash withdrawal within the bank and inter-bank cardless cash withdrawal scenario functions.

[0100] Inter-bank cardless cash withdrawal result notification service module 64: receives the cardless cash withdrawal result information processed by the 5G message cardless cash withdrawal processing server, and registers the bank's pending inter-bank settlement register (payable funds).

[0101] Inter-bank cardless cash withdrawal reconciliation and settlement module 65: specifically handles the fund settlement and reconciliation of cardless cash withdrawal transactions involving other banks' ATMs (as acquiring banks).

[0102] Optionally, Figure 7 is a schematic diagram of an optional cardless cash withdrawal processing service module according to an embodiment of the present application, such as Figure 7As shown, based on the parameters passed in this call, including but not limited to the customer number, card number, withdrawal currency amount, and date, if the withdrawal operation is internal to the bank (i.e., the user and the withdrawal terminal belong to the same bank), the target server will register the user's request in its internal cardless withdrawal register. The server then needs to determine whether the cardless withdrawal request involves an interbank transaction. This determination is typically based on the difference between the issuing bank of the user's bank card and the bank of the withdrawal terminal. If it is an interbank withdrawal, the process will be redirected to a specific interbank processing path to ensure smooth coordination and settlement between the different banks. In the case of an interbank withdrawal, the target server will record the transaction details in a specially designed register for interbank transactions to be cleared. This register includes all necessary clearing data, such as the withdrawal amount, transaction time, and identification of the participating banks, to facilitate subsequent interbank reconciliation and funds transfer. Finally, regardless of whether the withdrawal request involves an interbank transaction, as long as the user's identity and transaction information are verified, the target server will generate and send a cash dispensing instruction to the withdrawal terminal. This instruction directly triggers the cash dispensing process, where the amount requested by the user is withdrawn from the cash withdrawal terminal. This step also occurs in interbank scenarios, but there are additional settlement steps to follow.

[0103] As can be seen from the above, the technical solution of this embodiment strengthens the financial management and compliance of inter-bank cardless cash withdrawal services. By automatically recording the withdrawal results in the register for inter-bank clearing and performing accurate reconciliation and fund settlement based on this register, it ensures that every fund flow in inter-bank transactions is accurately tracked and processed. This method not only improves the reliability of inter-bank cardless cash withdrawal services, but also greatly simplifies the clearing process, reduces inter-bank transaction costs, and increases users' trust in the service because they can be sure that their funds are properly managed and protected even in inter-bank operations. In addition, the automated reconciliation and fund settlement mechanism also provides banks with real-time data analysis and auditing capabilities, which helps them respond to market changes more quickly, optimize service processes, and strengthen risk control.

[0104] In an optional embodiment, a signing request from a user is received through a smart device, wherein the signing request is used to request a contract for cardless cash withdrawal, and the signing request includes at least information of a bank card that allows cardless cash withdrawal and user identity information. The signing request is then compiled into a second message through the smart device, and the second message is sent to a target server. The target server then identifies the financial institution corresponding to the bank card in the second message, and then, based on the financial institution, the second message is sent through the target server to a server corresponding to the financial institution for a signing operation. Finally, the processing result of the signing operation is received through the target server, and the processing result is sent to the smart device.

[0105] The user initiates a contract request through the cardless cash withdrawal agreement management module of the smart device. This request indicates that the user is willing and qualified to sign a contract for the cardless cash withdrawal service. The contract request includes at least the information of the bank card that the user wishes to allow cardless cash withdrawal (such as card number, issuing bank, etc.) and the user's identity information (such as name, mobile phone number or ID number). After receiving this information, the smart device converts the contract request into a second message through its internal 5G message compilation and sending module, and encrypts it to ensure the security and privacy of the information during transmission.

[0106] Optionally, the second message is then sent to the target server. The target server parses the second message through the 5G message parsing and conversion module to identify the financial institution corresponding to the user's bank card. This identification step is based on the issuing bank information in the second message to ensure that the message can be accurately forwarded to the correct bank system. Once the financial institution is confirmed, the target server will send the second message to the corresponding server, that is, the first server of the bank, through the banking system connection module based on the identified financial institution. This server is responsible for contract operations, including key processes such as user identity authentication, bank card information registration, and the signing of a cardless cash withdrawal agreement.

[0107] Optionally, upon receiving the second message forwarded by the target server, the first server of the home bank immediately initiates the contract signing process. This may involve a series of internal system calls to verify the user's identity, confirm the accuracy and legitimacy of the bank card information, and ultimately complete the cardless cash withdrawal agreement. After the contract signing process is complete, the first server generates a contract signing result, which includes a clear status indicating whether the contract was successful or unsuccessful, as well as any relevant prompts or error codes.

[0108] Finally, the processing results are sent back to the smart device via the target server. The target server, through the 5G message compilation and transmission module, converts the contract processing results into the appropriate 5G message format and transmits them quickly and securely via the 5G network to the 5G message reception and display module on the smart device. The smart device interprets and displays the processing results, providing users with clear feedback on the cardless cash withdrawal service contract status.

[0109] As can be seen from the above, the technical solution of this embodiment greatly simplifies the process of users signing up for cardless cash withdrawal services and provides an automated processing path from request initiation to result feedback. The efficient collaboration between smart devices and target servers ensures that users can conveniently complete the contract at any time and any place without having to go to the bank in person or go through a cumbersome online authentication process. This user-friendly signing process not only improves the accessibility and convenience of the service, but also enhances users' trust in cardless cash withdrawal services, promoting the popularization and utilization of financial services.

[0110] Furthermore, through the use of 5G messaging, the entire contract signing process is secured by real-time communication, meaning users can receive instant updates on contract status, reducing wait times and improving the overall user experience. Furthermore, the encrypted transmission of messages enhances data security, protecting user privacy and financial information. Overall, the technical solution claimed in this dependent claim significantly improves the efficiency and user satisfaction of cardless cash withdrawal services by accelerating the contract signing process, simplifying operational procedures, and ensuring communication security, making a significant contribution to the digital transformation of the modern financial system.

[0111] In an optional embodiment, the business processing result is encrypted and encapsulated, and the encrypted and encapsulated business processing result is sent to the smart device, wherein the business processing result at least includes: a withdrawal result of a cardless withdrawal process.

[0112] Optionally, after the user completes the cardless withdrawal, the target server performs a critical post-processing step: encryption and encapsulation. This involves converting the transaction results into a secure, easily transmittable data packet, which contains at least the cardless withdrawal result. The withdrawal result details the withdrawal transaction status, including the withdrawal amount, withdrawal time, whether the withdrawal was successful, and any relevant transaction reference number or error information.

[0113] Optionally, the encryption and encapsulation process is performed by the 5G message compilation and sending module of the target server. First, the module encrypts the sensitive information in the business processing results to prevent it from being intercepted and interpreted by unauthorized third parties during transmission. The choice of encryption algorithm depends on security policies and compliance requirements, but generally the current industry-recognized, high-strength encryption standards are used. Subsequently, the encrypted data will be encapsulated in a format that complies with the 5G message standard, including the necessary header information, encrypted data body, and tail identifier to ensure that the recipient (i.e., smart device) can accurately parse and present it to the user.

[0114] Optionally, the encapsulated business processing results are then transmitted via the 5G network, destined for the user's smart device. The high bandwidth and low latency of the 5G network ensure rapid information transmission, which is crucial for providing real-time feedback on withdrawal results. The 5G message receiving and display module on the smart device receives the encrypted and encapsulated business processing results from the target server, parses the message, decrypts its content, and then displays the withdrawal results in a user-friendly interface.

[0115] As can be seen from the above, the technical solution of this embodiment ensures that the processing results of each step of the cardless cash withdrawal service can be delivered to the user in a safe and reliable manner. By encrypting and encapsulating the business processing results, not only is sensitive transaction information protected from illegal access, but the integrity of the data is also guaranteed, allowing users to obtain accurate transaction feedback instantly at any location. This immediacy and security are the key to building trust, especially in sensitive situations such as cardless and inter-bank cash withdrawals. In addition, due to the use of 5G network for information transmission, the entire process becomes extremely fast and smooth, greatly improving the user experience. Even in a busy urban environment, users can receive processing results within seconds. This efficient communication capability is a major advantage for the fast-paced modern life. The instant feedback of the business processing results after encryption and encapsulation not only enhances the transparency and security of the service, but also provides users with a timely and convenient way to view information, thereby improving their satisfaction with and frequency of use of the cardless cash withdrawal service.

[0116] In an optional embodiment, the process of a user withdrawing cash without a card is as follows:

[0117] 1. User initiates a request to sign a cardless cash withdrawal agreement:

[0118] 1. The user edits and initiates the cardless cash withdrawal agreement signing request information through a 5G terminal device (such as a mobile phone), such as editing the "Cardless Cash Withdrawal Agreement Signing A Bank Card Number 1" 5G message.

[0119] 2. The 5G terminal device compiles the cardless cash withdrawal agreement signing request information edited by the user into a 5G message and sends it to the 5G message cardless cash withdrawal processing server.

[0120] 3. The 5G message cardless cash withdrawal processing server receives the cardless cash withdrawal agreement signing request information 5G message sent by the 5G terminal device, parses it, identifies the target bank (the bank to which the bank card belongs), and calls the target bank's cardless cash withdrawal agreement management service through the cardless cash withdrawal agreement proxy call submodule to perform agreement information maintenance. It receives the bank's agreement information maintenance processing results, compiles the processing result 5G message, and returns it to the user's 5G terminal for analysis and display.

[0121] 2. User initiates a cardless cash withdrawal request (non-interbank scenario):

[0122] 1. The user uses a 5G terminal device (such as a mobile phone) to edit the request message "I want to use Bank A's card number 1 to withdraw 1,000 yuan without a card." and clicks "Send." The 5G terminal device compiles the user's cardless withdrawal request information into a 5G message and sends it to the 5G message cardless withdrawal processing server.

[0123] 2. The 5G message cardless withdrawal processing server receives the cardless withdrawal request information 5G message sent by the 5G terminal device, parses it, identifies the target bank A, and determines that the target bank A is the same bank as the current withdrawal terminal's bank A. The user information verification agent calls the submodule to call the target bank A's user information verification service for information verification. The bank verification result (pass / fail) is received and the subsequent process is triggered.

[0124] 3. When the 5G message cardless cash withdrawal processing server receives the information verification result returned by the target bank A and it is passed, the 5G message cardless cash withdrawal processing server compiles the 5G message with passed information verification and sends it to the 5G terminal device.

[0125] 4. The 5G terminal device receives the 5G message sent by the 5G message cardless cash withdrawal processing server and verifies that the information has passed, and parses and displays the 5G message.

[0126] 5. After the user receives a verification message displayed on the 5G terminal device, they click on the interactive control to confirm the result. For example, they can click "Confirm Withdrawal" or "Cancel Withdrawal." Note: The interactive controls embedded in the 5G message are provided by each bank and are used to obtain information for user interactive operations. The specific operational controls are determined by the business processing steps and scenarios. For example, if the bank information is verified, the interactive control attached to the processing result information pushed to the user is "Confirm Withdrawal" or "Cancel Withdrawal." If the bank information verification fails, the interactive control attached to the processing result information pushed to the user is "Cancel Withdrawal."

[0127] 6. Once the user has verified the withdrawal confirmation message displayed on the 5G terminal device, click the "Confirm Withdrawal" interactive control. The 5G terminal device compiles the withdrawal confirmation message submitted by the user into a 5G message and sends it to the 5G message cardless withdrawal processing server.

[0128] 7. The 5G message cardless withdrawal processing server receives the cardless withdrawal confirmation 5G message sent by the 5G terminal device, parses it, identifies the target bank A, and calls the target bank A's cardless withdrawal processing service through the cardless withdrawal transaction agent call submodule to process the cardless withdrawal. It then receives the cardless withdrawal processing result (success / failure) from the target bank A and triggers the subsequent process.

[0129] 8. When the 5G message cardless cash withdrawal processing server receives the cardless cash withdrawal processing result returned by the target bank A as successful, the 5G message cardless cash withdrawal processing server drives the banknote dispensing sub-module to complete the banknote dispensing.

[0130] 9. The 5G message cardless cash withdrawal processing server compiles a 5G message containing the cardless cash withdrawal completion information and sends it to the 5G terminal device.

[0131] 10. The 5G terminal device receives the 5G message containing the completion information of the cardless cash withdrawal processing sent by the 5G message cardless cash withdrawal processing server, and parses and displays the 5G message.

[0132] 3. User initiates a cardless cash withdrawal request (inter-bank scenario):

[0133] 1. The user uses a 5G terminal device (such as a mobile phone) to edit the request message "I want to use Bank A's card number 1 to withdraw 1,000 yuan without a card." and clicks "Send." The 5G terminal device compiles the user's cardless withdrawal request information into a 5G message and sends it to the 5G message cardless withdrawal processing server.

[0134] 2. The 5G message cardless withdrawal processing server receives the cardless withdrawal request information 5G message sent by the 5G terminal device, parses it, identifies the target bank A, and determines that the target bank A is not the same bank as the current withdrawal terminal's bank B. The user information verification agent calls the submodule to call the target bank A's user information verification service for information verification. The server receives the verification result (pass / fail) from bank A and triggers the subsequent process.

[0135] 3. When the 5G message cardless cash withdrawal processing server receives the information verification result returned by the target bank A and it is passed, the 5G message cardless cash withdrawal processing server compiles the 5G message with passed information verification and sends it to the 5G terminal device.

[0136] 4. The 5G terminal device receives the 5G message sent by the 5G message cardless cash withdrawal processing server and verifies that the information has passed, and parses and displays the 5G message.

[0137] 5. After the user receives a verification message displayed on the 5G terminal device, they click on the interactive control to confirm the result. For example, they can click "Confirm Withdrawal" or "Cancel Withdrawal." Note: The interactive controls embedded in the 5G message are provided by each bank and are used to obtain information for user interactive operations. The specific operational controls are determined by the business processing steps and scenarios. For example, if the bank information is verified, the interactive control attached to the processing result information pushed to the user is "Confirm Withdrawal" or "Cancel Withdrawal." If the bank information verification fails, the interactive control attached to the processing result information pushed to the user is "Cancel Withdrawal."

[0138] 6. Once the user has verified the withdrawal confirmation message displayed on the 5G terminal device, click the "Confirm Withdrawal" interactive control. The 5G terminal device compiles the withdrawal confirmation message submitted by the user into a 5G message and sends it to the 5G message cardless withdrawal processing server.

[0139] 7. The 5G message cardless withdrawal processing server receives the cardless withdrawal confirmation 5G message sent by the 5G terminal device, parses it, identifies the target bank A, and determines that the target bank A is not the same bank as the current withdrawal terminal's bank B. The cardless withdrawal transaction agent calls the submodule to call the cardless withdrawal processing service of the current withdrawal terminal's bank B and registers the cardless withdrawal in the cardless withdrawal register. It then receives the cardless withdrawal processing result (success / failure) and triggers the subsequent process.

[0140] 8. When the 5G Message Cardless Cash Withdrawal Processing Server receives a successful result, it drives the cash withdrawal submodule to complete the withdrawal of cash from the box according to the cash withdrawal driver instruction. At the same time, the inter-bank cardless cash withdrawal result notification service submodule calls the target bank's inter-bank cardless cash withdrawal result notification service, and the success status of the inter-bank cardless cash withdrawal transaction is synchronously pushed to the target bank.

[0141] 9. The 5G message cardless cash withdrawal processing server compiles a 5G message containing the cardless cash withdrawal completion information and sends it to the 5G terminal device.

[0142] 10. The 5G terminal device receives the 5G message containing the completion information of the cardless cash withdrawal processing sent by the 5G message cardless cash withdrawal processing server, and parses and displays the 5G message.

[0143] In an optional embodiment, Figure 8 This is a flowchart of an optional 5G message-based cardless cash withdrawal service processing according to an embodiment of the present application, such as Figure 8 As shown, the 5G message of the cardless cash withdrawal application sent by the 5G terminal device is received, and then the 5G message is parsed to obtain the user's cardless cash withdrawal application information, and the user's cardless cash withdrawal application information is sent to the corresponding bank business system for verification and processing, and then the bank business system verification processing result information is received. According to the verification result pass or fail, the corresponding verification result 5G message is compiled and sent to the 5G terminal device, and then the user's trigger operation result of the interactive control in the verification processing result 5G message is received and corresponding processing is performed. When the bank verification result is passed and the user's confirmation operation for the cardless cash withdrawal business is received, the cash dispensing module is started to complete the cash counting and discharging. When this cardless cash withdrawal is an inter-bank withdrawal, it is registered in the inter-bank clearing register and the target bank is notified of the inter-bank cash withdrawal processing result.

[0144] The present application also provides a cardless cash withdrawal device. It should be noted that the cardless cash withdrawal device of the present application can be used to execute the cardless cash withdrawal method provided in the present application. The cardless cash withdrawal device provided in the present application is introduced below.

[0145] According to an embodiment of the present application, a device for implementing the above-mentioned cardless withdrawal method is also provided. Figure 9 Schematic diagram of an optional cardless cash withdrawal device according to an embodiment of the present application, Figure 9 As shown, the device includes: a parsing unit 901, a verification unit 902, a sending unit 903, a receiving unit 904 and a control unit 905.

[0146] Optionally, the parsing unit 901 is used to receive a target message sent by the smart device through the target server, parse the target message, and obtain a parsing result, wherein the target message is used to represent the cardless withdrawal application information submitted by the user, and the parsing result includes at least the bank card's financial institution, user identity information, and bank card information; the verification unit 902 is used to send the parsing result to the first server corresponding to the financial institution, and perform information verification on the parsing result through the first server to obtain a verification result; the sending unit 903 is used to send the verification result to the target server through the first server, and send the verification result to the smart device through the target server; the receiving unit 904 is used to receive the user's withdrawal instruction through the smart device when the verification result is passed, and send the withdrawal instruction to the target server, wherein the withdrawal instruction carries the identifier of the withdrawal machine; the control unit 905 is used to control the withdrawal machine to perform cardless withdrawal processing through the target server based on the withdrawal instruction.

[0147] Optionally, the parsing unit 901 includes: a first receiving subunit, a first compiling subunit, a first processing subunit, and a first sending subunit. The first receiving subunit is configured to receive user input information via a smart device, wherein the input information includes at least user identity information, bank card information, and withdrawal amount; the first compiling subunit is configured to compile the input information into a target format to obtain first information; the first processing subunit is configured to encrypt the first information and assemble the encrypted first information into a target message; and the first sending subunit is configured to send the target message to a target server.

[0148] Optionally, the control unit 905 includes: a first parsing subunit, a first determining subunit, a second processing subunit, a second sending subunit, and a first control subunit. The first parsing subunit is configured to parse the withdrawal instruction through the target server to obtain a first parsing result, wherein the first parsing result includes at least the withdrawal financial institution corresponding to the identifiers of the home financial institution and the withdrawal machine; the first determining subunit is configured to determine through the target server whether the home financial institution and the withdrawal financial institution are the same; the second processing subunit is configured to, upon detecting that the home financial institution and the withdrawal financial institution are not the same, call a second server corresponding to the withdrawal financial institution through the target server to perform registration processing to obtain a registration processing result, wherein the registration processing is configured to record cardless withdrawal information based on the withdrawal instruction; the second sending subunit is configured to send the registration processing result to the target server; and the first control subunit is configured to control the withdrawal machine to perform cardless withdrawal processing when the target server detects that the registration processing result is successful.

[0149] Optionally, the first control subunit includes: a first sending module and a first control module. The first sending module is configured to send a cash withdrawal instruction to a second server corresponding to a withdrawal financial institution via a target server; and the first control module is configured to control the cash withdrawal machine to perform cardless withdrawal processing via the second server based on the cash withdrawal instruction.

[0150] Optionally, the cardless withdrawal device further includes: a first sending unit, a first recording unit, and a first processing unit. The first sending unit is configured to send the withdrawal result of the cardless withdrawal process to a first server corresponding to the home financial institution via a target server; the first recording unit is configured to record the withdrawal result in a pending interbank settlement register via the first server, wherein the pending interbank settlement register is used to record pending settlement information related to transactions involving cardless withdrawals; and the first processing unit is configured to perform reconciliation and fund settlement processing via the first server and a second server corresponding to the withdrawal financial institution based on the pending interbank settlement register.

[0151] Optionally, the cardless withdrawal device further includes: a first receiving unit, a second sending unit, a first identification unit, a second processing unit, and a third sending unit. The first receiving unit is configured to receive a user's contract signing request via a smart device, wherein the contract signing request is for requesting a contract signing for cardless cash withdrawal and includes at least information about a bank card that allows cardless cash withdrawal and user identity information; the second sending unit is configured to compile the contract signing request into a second message via the smart device and send the second message to a target server; the first identification unit is configured to identify the financial institution corresponding to the bank card in the second message via the target server; the second processing unit is configured to send the second message to a server corresponding to the financial institution via the target server to perform a contract signing operation based on the financial institution; and the third sending unit is configured to receive a processing result of the contract signing operation via the target server and send the processing result to the smart device.

[0152] Optionally, the cardless withdrawal device also includes: a fourth sending unit, used to encrypt and encapsulate the business processing result, and send the encrypted and encapsulated business processing result to the smart device, wherein the business processing result at least includes: the withdrawal result of the cardless withdrawal processing.

[0153] According to another aspect of the present application, a computer-readable storage medium is also provided, which includes a stored executable program, wherein when the executable program runs, the device where the computer-readable storage medium is located is controlled to execute the above-mentioned cardless withdrawal method.

[0154] According to another aspect of the present application, an electronic device is also provided, comprising one or more processors and a memory, wherein the memory is used to store one or more programs, wherein when the one or more programs are executed by the one or more processors, the one or more processors execute the above-mentioned cardless withdrawal method.

[0155] According to another aspect of an embodiment of the present application, a computer program product is also provided, comprising computer instructions, which implement the steps of the above-mentioned cardless withdrawal method when executed by a processor.

[0156] The serial numbers of the above embodiments of the present application are for description only and do not represent the advantages or disadvantages of the embodiments.

[0157] In the above embodiments of the present application, the description of each embodiment has its own focus. For parts that are not described in detail in a certain embodiment, please refer to the relevant description of other embodiments.

[0158] In the several embodiments provided in this application, it should be understood that the disclosed technical content can be implemented in other ways. Among them, the device embodiments described above are only exemplary. For example, the division of the units can be a logical function division. In actual implementation, there may be other division methods, such as multiple units or components can be combined or integrated into another system, or some features can be ignored or not executed. Another point is that the mutual coupling or direct coupling or communication connection shown or discussed can be through some interfaces, indirect coupling or communication connection of units or modules, which can be electrical or other forms.

[0159] The units described as separate components may or may not be physically separate, and the components shown as units may or may not be physical units, that is, they may be located in one place or distributed across multiple units. Some or all of the units may be selected according to actual needs to achieve the purpose of the present embodiment.

[0160] In addition, the functional units in the various embodiments of the present application may be integrated into a single processing unit, or each unit may exist physically separately, or two or more units may be integrated into a single unit. The aforementioned integrated units may be implemented in the form of hardware or software functional units.

[0161] If the integrated unit is implemented in the form of a software functional unit and sold or used as an independent product, it can be stored in a computer-readable storage medium. Based on this understanding, the technical solution of the present application is essentially or the part that contributes to the prior art or all or part of the technical solution can be embodied in the form of a software product, and the computer software product is stored in a storage medium, including a number of instructions for enabling a computer device (which can be a personal computer, a server or a network device, etc.) to execute all or part of the steps of the method described in each embodiment of the present application. The aforementioned storage medium includes: various media that can store program codes, such as a USB flash drive, a read-only memory (ROM), a random access memory (RAM), a mobile hard disk, a magnetic disk or an optical disk.

[0162] The above is only a preferred embodiment of the present application. It should be pointed out that for ordinary technicians in this technical field, several improvements and modifications can be made without departing from the principles of the present application. These improvements and modifications should also be regarded as the scope of protection of the present application.

Claims

1. A cardless withdrawal method, characterized in that: include: receiving, through a target server, a target message sent by the smart device, parsing the target message to obtain a parsing result, wherein the target message is used to represent cardless withdrawal application information submitted by the user, and the parsing result at least includes the financial institution to which the bank card belongs, user identity information, and information about the bank card; Sending the parsing result to a first server corresponding to the home financial institution, and performing information verification on the parsing result by the first server to obtain a verification result; Sending the verification result to the target server through the first server, and sending the verification result to the smart device through the target server; When the verification result is passed, receiving a withdrawal instruction from the user through the smart device, and sending the withdrawal instruction to the target server, wherein the withdrawal instruction carries an identifier of the withdrawal machine; Based on the withdrawal instruction, the target server controls the withdrawal machine to perform cardless withdrawal processing.

2. The cardless withdrawal method according to claim 1, wherein: Receive target messages sent by smart devices through the target server, including: Receiving input information from the user through the smart device, wherein the input information includes at least the user identity information, the bank card information, and the withdrawal amount; Compiling the input information into a target format to obtain first information; encrypting the first information and assembling the encrypted first information into the target message; The target message is sent to the target server.

3. The cardless withdrawal method according to claim 1, wherein: Based on the withdrawal instruction, controlling the withdrawal machine to perform cardless withdrawal processing through the target server includes: parsing the withdrawal instruction by the target server to obtain a first parsing result, wherein the first parsing result at least includes the withdrawal financial institution corresponding to the identifier of the home financial institution and the withdrawal machine; Determining, by the target server, whether the home financial institution is the same as the withdrawal financial institution; When it is detected that the home financial institution is different from the withdrawal financial institution, the target server calls a second server corresponding to the withdrawal financial institution to perform a registration process to obtain a registration process result, wherein the registration process is used to record cardless withdrawal information based on the withdrawal instruction; Sending the registration processing result to the target server; When the target server detects that the registration processing result is successful, the cash withdrawal machine is controlled to perform the cardless withdrawal process.

4. The cardless withdrawal method according to claim 3, wherein: When the target server detects that the registration processing result is successful, controlling the cash withdrawal machine to perform the cardless withdrawal process includes: Sending a cash withdrawal instruction to a second server corresponding to the withdrawal financial institution through the target server; According to the cash withdrawal instruction, the second server controls the cash withdrawal machine to perform the cardless withdrawal process.

5. The cardless withdrawal method according to claim 3, characterized in that: When the target server detects that the registration processing result is successful, after controlling the cash withdrawal machine to perform the cardless withdrawal process, the method further includes: Sending the withdrawal result of the cardless withdrawal process to the first server corresponding to the home financial institution through the target server; Recording the withdrawal result in a pending inter-bank settlement register by the first server, wherein the pending inter-bank settlement register is used to record pending settlement information related to cardless withdrawal transactions; Based on the register book for inter-bank settlement, reconciliation processing and fund settlement processing are performed through the first server and the second server corresponding to the withdrawal financial institution.

6. The cardless withdrawal method according to claim 1, wherein: Before receiving the target message sent by the smart device through the target server, the method further includes: receiving, through the smart device, a contract signing request from the user, wherein the contract signing request is for requesting to sign up for cardless cash withdrawal, and the contract signing request includes at least information of a bank card that allows cardless cash withdrawal and the user's identity information; compiling the signing request into a second message through the smart device, and sending the second message to the target server; identifying, by the target server, the financial institution corresponding to the bank card in the second message; According to the financial institution, the second message is sent to a server corresponding to the financial institution through the target server to perform a contract signing operation; The target server receives the processing result of the signing operation and sends the processing result to the smart device.

7. The cardless withdrawal method according to claim 1, wherein: After controlling the cash withdrawal machine to perform cardless withdrawal processing based on the withdrawal instruction through the target server, the method further includes: The business processing result is encrypted and encapsulated, and the encrypted and encapsulated business processing result is sent to the smart device, wherein the business processing result at least includes: the withdrawal result of the cardless withdrawal process.

8. A cardless cash withdrawal device, characterized in that: include: a parsing unit, configured to receive a target message sent by a smart device through a target server, parse the target message, and obtain a parsing result, wherein the target message is used to represent cardless withdrawal application information submitted by a user, and the parsing result at least includes the financial institution to which the bank card belongs, user identity information, and information about the bank card; a verification unit, configured to send the parsing result to a first server corresponding to the home financial institution, and perform information verification on the parsing result through the first server to obtain a verification result; a sending unit, configured to send the verification result to the target server through the first server, and send the verification result to the smart device through the target server; a receiving unit, configured to receive a withdrawal instruction from the user through the smart device when the verification result is passed, and send the withdrawal instruction to the target server, wherein the withdrawal instruction carries an identifier of the withdrawal machine; A control unit is used to control the cash withdrawal machine to perform cardless withdrawal processing through the target server based on the withdrawal instruction.

9. A computer-readable storage medium, characterized in that The computer-readable storage medium stores a computer program, wherein when the computer program is executed, the device where the computer-readable storage medium is located executes the cardless withdrawal method according to any one of claims 1 to 7.

10. An electronic device, characterized in that: It includes one or more processors and a memory, wherein the memory is used to store one or more programs, wherein when the one or more programs are executed by the one or more processors, the one or more processors execute the cardless withdrawal method according to any one of claims 1 to 7.

11. A computer program product comprising computer instructions, characterized in that When the computer instructions are executed by a processor, the steps of the cardless withdrawal method according to any one of claims 1 to 7 are implemented.

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