Service handling method and device, computer readable storage medium and electronic equipment

Abstract

The invention discloses a business handling method and device, a computer readable storage medium and electronic equipment. The method comprises the following steps: receiving a cash collection and storage instruction input by a user through an input screen of a cash collection and storage device; in response to a cash collection instruction input by the user, performing identity verification on the user to obtain an identity verification result; and when the identity verification result is passed, a cash collection service is executed, and the cash collection service is used for storing the change amount of change in cash payment into a financial account of the user. According to the invention, the problem that the change making step is tedious when cash payment is used in the prior art is solved.

Description

Technical Field

[0001] This application relates to the field of the Internet of Things (IoT), and more specifically, to a method, apparatus, computer-readable storage medium, and electronic device for conducting a business. Background Technology

[0002] Rural economies are developing rapidly, but there are problems such as insufficient coverage of financial services and uneven distribution of financial resources. Farmers and rural micro and small enterprises have increasing demands for savings, payments, wealth management, and convenient services.

[0003] Traditional financial service models revolve around bank branches. While this ensures the security of financial services and provides relatively comprehensive services, it suffers from drawbacks such as limited coverage and long processing times, making it difficult to meet the growing needs of rural areas. Currently, financial products offered to rural areas generally focus on optimizing online services for individuals or providing financial management services for micro and small enterprises by establishing rural service zones within apps, offering specialized rural financing products, providing daily operational financial services for rural businesses, and building agricultural product supply and marketing platforms.

[0004] However, there is still a certain demand for cash transactions in rural areas. In related technologies, when merchants and customers conduct transactions, if the customer chooses to pay in cash and the cash amount paid by the customer is greater than the transaction amount, the merchant needs to give change, and the customer needs to take the change. If the merchant does not have the corresponding amount of change, they need to borrow change from other merchants. The transaction process is cumbersome and affects the efficiency of transactions.

[0005] There is currently no effective solution to the problem of cumbersome change-making steps when using cash for payments in related technologies. Summary of the Invention

[0006] The main objective of this application is to provide a method, apparatus, computer-readable storage medium, and electronic device for handling business transactions, in order to solve the problem of cumbersome change-giving steps when using cash for payments in related technologies.

[0007] To achieve the above objectives, according to one aspect of this application, a method for handling business is provided. The method includes: receiving a cash deposit instruction input by a user through the input screen of a cash deposit device; responding to the user's input cash deposit instruction, verifying the user's identity, and obtaining an identity verification result; and when the identity verification result is successful, executing a cash deposit service, wherein the cash deposit service is used to deposit the change given during cash payment into the user's financial account.

[0008] Optionally, the cash deposit service agreement is jointly signed by the financial institution, the user, and the merchant at the agency. The cash deposit device and the financial institution are used to provide the user with an information entry channel during the signing process of the cash deposit service agreement. The content of the cash deposit service agreement includes at least: allowing the cash deposit device set up at the agency to perform the cash deposit service with the user's authorization; and depositing the change given into the user's financial account when performing the cash deposit service.

[0009] Optionally, before receiving the cash deposit instruction input by the user through the input screen of the cash deposit device, the method further includes: calculating the amount received, the price of the goods, and the amount of change to be given, and displaying the amount received, the price of the goods, and the amount of change to be given on the display interface of the input screen; responding to the user's payment operation and activating the cash verification module, wherein the cash verification module is used to verify the authenticity of the cash used in the payment operation; and receiving the cash used by the user when it is determined that the cash is genuine.

[0010] Optionally, in response to a user's cash deposit instruction, the system verifies the user's identity, obtaining the identity verification result by: collecting the user's biometric information, sending the biometric information to the financial institution's transaction system interface, and receiving the biometric result fed back by the transaction system interface, wherein the biometric information includes at least facial information; when the biometric result is successful, querying the user's account and the account's transaction activity; sending the account and the account's transaction activity to the transaction system interface, and receiving the identity verification result fed back by the transaction system interface.

[0011] Optionally, the transaction system interface is used to verify the authenticity of biometric information, account number, and account transaction information. If the biometric information is the same as the biometric information in the cash deposit service agreement, the account number is the same as the account number in the cash deposit service agreement, and the account transaction information is the same as the account transaction information in the cash deposit service agreement, the identity verification result is determined to be successful.

[0012] Optionally, when the identity verification result is successful, the cash deposit service includes: determining the card number or account number of the user who has signed the cash deposit service agreement based on the identity verification result; after confirming the card number or account number, depositing the change amount into the corresponding financial account, wherein the corresponding financial account is the financial account corresponding to the card number or the financial account corresponding to the account number.

[0013] Optionally, the method further includes: generating an independent transaction event number for the cash collection service and storing the transaction event number in the blockchain; transferring the change associated with the transaction event number to a financial institution according to a preset period; and receiving a reward from the financial institution, wherein the amount of the reward is determined based on the number of cash collections or the amount of cash collection associated with the transaction event number.

[0014] To achieve the above objectives, according to another aspect of this application, a business processing apparatus is provided. The apparatus includes: an instruction receiving unit for receiving a cash deposit instruction input by a user through the input screen of a cash deposit device; an identity verification unit for verifying the user's identity in response to the user's input cash deposit instruction and obtaining an identity verification result; and a service execution unit for executing a cash deposit service when the identity verification result is successful, wherein the cash deposit service is used to deposit the change given during cash payment into the user's financial account.

[0015] Optionally, the device further includes: an agreement authorization module for allowing the cash collection device set up at the agency to perform cash collection services under user authorization; and an agreement deposit module for depositing the change given into the user's financial account when performing cash collection services.

[0016] Optionally, the instruction receiving unit further includes a calculation module for calculating the amount received, the price of the goods, and the amount of change to be given, and displaying the amount received, the price of the goods, and the amount of change to be given on the input screen display interface; a payment response module for responding to the user's payment operation and activating the cash verification module, wherein the cash verification module is used to verify the authenticity of the cash used in the payment operation; and a cash receiving module for receiving the cash used by the user when the cash is confirmed to be genuine.

[0017] Optionally, the identity verification unit includes a biometric module for collecting the user's biometric information, sending the biometric information to the financial institution's transaction system interface, and receiving the biometric result fed back by the transaction system interface, wherein the biometric information includes at least facial information; an account query module for querying the user's account and the account's transaction activity when the biometric result is successful; and an identity information generation module for sending the account and the account's transaction activity to the transaction system interface and receiving the identity verification result fed back by the transaction system interface.

[0018] Optionally, the device further includes: a transaction system interface for verifying the authenticity of the biometric result, the account, and the account's transaction information; and determining that the identity verification result is passed if the biometric result is the same as the biometric information on the cash deposit service agreement, the account is the same as the account on the cash deposit service agreement, and the account's transaction information is the same as the transaction information on the cash deposit service agreement.

[0019] Optionally, the service execution unit includes a card number or account number determination module, used to determine the card number or account number of the user who has signed a cash deposit service agreement based on the identity verification result; and a limit deposit module, used to deposit the change amount into the corresponding financial account after confirming the card number or account number, wherein the corresponding financial account is the financial account corresponding to the card number or the financial account corresponding to the account number.

[0020] Optionally, the device also includes a transaction event numbering module for generating independent transaction event numbers for the cash deposit service and storing the transaction event numbers in the blockchain; a change transfer module for transferring the change associated with the transaction event number to the financial institution according to a preset period; and a reward receiving module for receiving the reward from the financial institution, wherein the amount of the reward is determined based on the number of cash deposits associated with the transaction event number or the amount of cash deposits.

[0021] A computer-readable storage medium includes a stored executable program, wherein, when the executable program is running, it controls the device where the computer-readable storage medium is located to perform a service processing method according to any one of the embodiments of this application.

[0022] An electronic device includes: a memory storing an executable program; and a processor for running the program, wherein the program executes a service processing method according to any one of the embodiments of this application when it runs.

[0023] In this embodiment, a cash deposit instruction is received from a user via the input screen of the cash deposit device; in response to the user's input cash deposit instruction, the user is authenticated and an authentication result is obtained; when the authentication result is successful, the cash deposit service is executed. The cash deposit service is used to deposit the change given when paying in cash into the user's financial account, which solves the problem of cumbersome change-giving steps when paying in cash in related technologies. By authenticating the user with the user's consent, if the authentication is successful, the change given is deposited into the user's financial account, achieving the effect of quickly processing change and improving the efficiency of change deposit. Attached Figure Description

[0024] The accompanying drawings, which form part of this application, are used to provide a further understanding of this application. The illustrative embodiments and descriptions of this application are used to explain this application and do not constitute an undue limitation of this application. In the drawings:

[0025] Figure 1 This is a hardware structure block diagram of a computer terminal used to implement a business processing method;

[0026] Figure 2 This is a flowchart of a business processing method provided according to an embodiment of this application;

[0027] Figure 3 This is a schematic diagram of a cash collection device provided according to an embodiment of this application;

[0028] Figure 4 This is a schematic diagram of a service processing device provided according to an embodiment of this application;

[0029] Figure 5 This is a structural block diagram of an electronic device according to an embodiment of this application. Detailed Implementation

[0030] To enable those skilled in the art to better understand the present application, the technical solutions in the embodiments of the present application will be clearly and completely described below with reference to the accompanying drawings. Obviously, the described embodiments are only some embodiments of the present application, and not all embodiments. Based on the embodiments in the present application, all other embodiments obtained by those of ordinary skill in the art without creative effort should fall within the scope of protection of the present application.

[0031] It should be noted that the terms "first," "second," etc., in the specification, claims, and accompanying drawings of this application are used to distinguish similar objects and are not necessarily used to describe a specific order or sequence. It should be understood that such data can be interchanged where appropriate so that the embodiments of this application described herein can be implemented in orders other than those illustrated or described herein. Furthermore, the terms "comprising" and "having," and any variations thereof, are intended to cover non-exclusive inclusion; for example, a process, method, system, product, or apparatus that comprises a series of steps or units is not necessarily limited to those steps or units explicitly listed, but may include other steps or units not explicitly listed or inherent to such processes, methods, products, or apparatus.

[0032] It should be noted that the information collected in this application (including but not limited to user device information, user personal information, etc.) and data (including but not limited to data used for display, data used for analysis, etc.) are information and data authorized by the user or fully authorized by all parties. Furthermore, the collection, storage, use, processing, transmission, provision, disclosure, and application of this data all comply with relevant laws, regulations, and standards, necessary confidentiality measures have been taken, and they do not violate public order and good morals. Corresponding access points are provided for users to choose to authorize or refuse. For example, interfaces are set up between this system and relevant users or organizations, providing users with corresponding access points to choose to agree to or refuse automated decision-making results; if the user chooses to refuse, the process proceeds to the expert decision-making stage.

[0033] Example 1

[0034] According to the embodiments of this application, a method embodiment for handling business is also provided. It should be noted that the steps shown in the flowchart in the accompanying drawings can be executed in a computer system such as a set of computer-executable instructions. Furthermore, although a logical order is shown in the flowchart, in some cases, the steps shown or described may be executed in a different order than that shown here.

[0035] The method embodiment provided in Embodiment 1 of this application can be executed on a mobile terminal, computer terminal, or similar computing device. Figure 1 This is a hardware structure block diagram of a computer terminal used to implement a business processing method. For example... Figure 1 As shown, computer terminal 10 may include one or more ( Figure 1 (Illustrated as 102a, 102b, ..., 102n) Processor 102 (processor 102 may include, but is not limited to, a microprocessor (MCU, Microcontroller Unit) or a programmable gate array (FPGA, Field-Programmable Gate Array), etc.), memory 104 for storing data, and transmission device 106 for communication functions. In addition, it may include: a display, input / output interface (I / O interface), universal serial bus (USB) port (which may be included as one of the ports of a BUS bus), network interface, power supply, and / or camera. Those skilled in the art will understand that... Figure 1 The structure shown is for illustrative purposes only and does not limit the structure of the aforementioned electronic device. For example, computer terminal 10 may also include... Figure 1 The more or fewer components shown, or having the same Figure 1 The different configurations shown.

[0036] It should be noted that the aforementioned one or more processors 102 and / or other data processing circuits are generally referred to herein as "data processing circuits". These data processing circuits may be embodied, in whole or in part, in software, hardware, firmware, or any other combination thereof. Furthermore, the data processing circuits may be a single, independent processing module, or may be integrated, in whole or in part, into any other element within the computer terminal 10 (or mobile device). As involved in the embodiments of this application, the data processing circuits serve as a processor control mechanism (e.g., selection of a variable resistor termination path connected to an interface).

[0037] The memory 104 can be used to store software programs and modules of application software, such as program instructions / data storage devices corresponding to the business processing method in this embodiment of the application. The processor 102 executes various functional applications and data processing by running the software programs and modules stored in the memory 104, thereby realizing the aforementioned business processing method. The memory 104 may include high-speed random access memory, and may also include non-volatile memory, such as one or more magnetic storage devices, flash memory, or other non-volatile solid-state memory. In some instances, the memory 104 may further include memory remotely located relative to the processor 102, and these remote memories can be connected to the computer terminal 10 via a network. Examples of such networks include, but are not limited to, the Internet, corporate intranets, local area networks, mobile communication networks, and combinations thereof.

[0038] The transmission device 106 is used to receive or send data via a network. Specific examples of the network described above may include a wireless network provided by the communication provider of the computer terminal 10. In one example, the transmission device 106 includes a Network Interface Controller (NIC), which can connect to other network devices via a base station to communicate with the Internet. In another example, the transmission device 106 may be a Radio Frequency (RF) module, used for wireless communication with the Internet.

[0039] The display may be, for example, a touchscreen liquid crystal display (LCD), which allows the user to interact with the user interface of the computer terminal 10 (or mobile device).

[0040] Under the aforementioned operating environment, this application provides the following: Figure 2 The procedures for handling the business are shown. Figure 2 This is a flowchart of a business processing method provided according to an embodiment of this application.

[0041] Step S201: Receive the cash deposit instruction input by the user through the input screen of the cash deposit device.

[0042] Specifically, a cash deposit device is a device that integrates multiple functions such as cash payment, network connectivity, facial recognition, and banknote verification. Through the cash deposit device, the amount of change given when paying in cash can be conveniently deposited into the bank account of the user.

[0043] The input screen refers to the interactive interface displayed on the cash deposit device, through which users can interact. A cash deposit instruction is an active request from the user's input screen interface to automatically convert change into a bank deposit. Specifically, after completing payment for goods or services, if the remaining change needs to be deposited into their financial account, the user will issue this instruction by clicking the relevant option on the interactive interface.

[0044] Step S202: In response to the user's input cash deposit instruction, verify the user's identity and obtain the identity verification result.

[0045] Specifically, after the cash deposit device detects the cash deposit instruction entered by the user through the input screen, the cash deposit device enters a response state and activates the program to verify the user's identity.

[0046] Authentication can include the identification of a user's biometric information, exemplarily achieved through facial recognition. The user faces the device's camera, which captures their facial features and compares them against information in a database. This database is a collection of data pre-stored with user identity information. Authentication can also include user account identification, specifically obtaining the user's account number and transaction information, and comparing it against the information in the database.

[0047] Step S203: When the identity verification result is successful, the cash deposit service is executed, wherein the cash deposit service is used to deposit the change given when paying in cash into the user's financial account.

[0048] Specifically, if a user's biometric features (such as facial information) are successfully identified and matched, and the account information and transaction information also match, the identity verification result will be marked as "passed" before the cash deposit service is executed. This ensures that only verified legitimate users can continue to use the cash deposit service, thus avoiding security issues when executing the cash deposit service.

[0049] The process of implementing the cash deposit service includes receiving cash balances from users, verifying their authenticity through banknote authentication technology, and then depositing the amount into the user's financial account through the bank's transaction system interface, without requiring users to perform any additional operations or wait, thus achieving convenient handling of change generated during the payment process.

[0050] In this embodiment, a cash deposit instruction is received from a user via the input screen of the cash deposit device; in response to the user's input cash deposit instruction, the user is authenticated and an authentication result is obtained; when the authentication result is successful, the cash deposit service is executed. The cash deposit service is used to deposit the change given when paying in cash into the user's financial account, which solves the problem of cumbersome change-giving steps when paying in cash in related technologies. By authenticating the user with the user's consent, if the authentication is successful, the change given is deposited into the user's financial account, achieving the effect of quickly processing change and improving the efficiency of change deposit.

[0051] The cash deposit service agreement needs to be signed in advance. Optionally, in the business handling method provided in this application embodiment, the cash deposit service agreement is jointly signed by the financial institution, the user, and the merchant at the agency. The cash deposit device and the financial institution are used to provide the user with an information entry channel during the signing process of the cash deposit service agreement. The content of the cash deposit service agreement includes at least: allowing the cash deposit device set up at the agency to perform the cash deposit service under the user's authorization; and depositing the change given into the user's financial account when performing the cash deposit service.

[0052] Specifically, during the agreement signing process, users can enter their information through multiple channels. These channels can include financial institution branches, where dedicated service areas are set up, allowing users to enter their information. Information entry can also involve merchants at designated service points. These merchants are operators of rural supermarkets or service points that cooperate with financial institutions. They are the front-end implementers of the cash collection service, responsible for on-site interaction with users. Users can enter their information through the cash collection devices at these merchants. Information entry includes recording biometric information, such as facial images, and the user's financial account number and transaction history for subsequent identity verification.

[0053] The cash deposit service agreement instructs the user-authorized agent's cash deposit device to perform the service under their supervision. This means the operation of the cash deposit device must be carried out with the user's explicit knowledge and consent, thus protecting the user's funds. The agreement also stipulates that during cash transactions, if the user agrees, the cash deposit device can automatically deposit the change into the user's financial account, simplifying the transaction process, improving efficiency, and increasing the user's liquidity.

[0054] It should be noted that users and merchants must understand and accept the terms of the agreement before signing it through any of the aforementioned channels. Once signed, the agreement becomes effective, and users and merchants can begin using the cash deposit device for transactions. Financial institutions ensure the transparency and fairness of the agreement, maintain custody of all signed agreements, and establish mechanisms to address any updates or rescissions. Users can modify or terminate their cash deposit service agreement at any time through any of the bank's channels, including branches, mobile applications, or telephone banking.

[0055] This application embodiment ensures the legal compliance of the cash deposit service, the clarity of user authorization, and the convenience and security of the transaction process by defining the agreement signing process and content of the cash deposit service. At the same time, it further enhances the security level of the cash deposit service by using biometric technology, avoiding errors and disputes that may occur in the traditional change-giving process, and improving the quality and efficiency of rural financial services.

[0056] To ensure the security of the cash deposit service, optionally, in the business processing method provided in this application embodiment, before receiving the cash deposit instruction input by the user through the input screen of the cash deposit device, the method further includes: calculating the amount received, the price of the goods, and the amount of change to be given, and displaying the amount received, the price of the goods, and the amount of change to be given on the display interface of the input screen; responding to the user's payment operation and activating the cash verification module, wherein the cash verification module is used to verify the authenticity of the cash used in the payment operation; and receiving the cash used by the user when it is determined that the cash is genuine.

[0057] Specifically, after a customer completes their purchase and payment, the cash collection device automatically responds to this action. Based on the product price information and the actual cash paid by the customer, it quickly calculates the change amount and displays the total amount received, the price of the goods, and the amount of change to be given on the input screen. Through the input screen's display interface, the customer can intuitively see the total amount they need to pay and the change they should receive, enhancing the transparency of the transaction and allowing customers to make decisions with full knowledge, thereby avoiding any form of misunderstanding or deception.

[0058] It should be noted that when making a payment, the cash verification module built into the cash collection device is activated. The task of the cash verification module is to verify the authenticity of the cash paid by the user and prevent counterfeit currency from entering the market. The cash verification module may include professional optical sensors (such as ultraviolet lamps) and processors, which can detect multiple characteristics of cash, such as material, magnetism, and fluorescence, to ensure that only genuine currency can be accepted, thereby improving transaction security and protecting merchants and financial institutions from economic losses.

[0059] Furthermore, once the cash verification module confirms that the user's cash payment is genuine, the cash deposit device will automatically receive and record this cash, deposit it into the designed secure cash storage area, and activate the cash service upon receiving the cash deposit instruction entered by the user through the input screen of the cash deposit device. This not only speeds up the transaction but also ensures the safe transfer of funds, avoiding possible accidental losses or misoperations during the operation.

[0060] This application embodiment calculates the amount of change given and displays it on the input screen, enhancing transaction transparency. By efficiently activating the cash verification module and strictly confirming genuine banknotes, it effectively prevents the risk of counterfeit currency and significantly enhances the security of financial transactions.

[0061] Identity verification includes two stages of information authentication. Optionally, in the business processing method provided in this application embodiment, in response to the user's input cash deposit instruction, the user is authenticated and the authentication result is obtained by: collecting the user's biometric information, sending the biometric information to the financial institution's transaction system interface, and receiving the biometric result fed back by the transaction system interface, wherein the biometric information includes at least facial information; when the biometric result is successful, querying the user's account and the account's transaction activity; sending the account and the account's transaction activity to the transaction system interface, and receiving the authentication result fed back by the transaction system interface.

[0062] Figure 3 This is a schematic diagram of a cash collection device provided according to an embodiment of this application, such as... Figure 3 As shown, the device includes a cabinet, a support frame, a recognition area component, an operation screen support, and an operation screen. Specifically, the recognition area component can be a camera on the cash deposit device. When using the cash deposit device, the user needs to face the camera, which captures the user's facial image as biometric information. The cash deposit device sends the facial image to the financial institution's back-end transaction system interface via a secure communication protocol. The back-end transaction system compares the captured facial image with a user facial template pre-stored in a database to obtain the biometric result. In addition, biometric information can include other features such as fingerprints and iris scans.

[0063] If the biometric verification is successful, the cash deposit device queries the user's bank account and checks its transaction history. This account query confirms the user's eligibility to provide cash deposit services, while the transaction history check provides necessary account information for subsequent deposit operations. The user's account information and transaction history are packaged and sent to the financial institution's back-end transaction system interface via a secure communication protocol. Upon receiving this data, the back-end transaction system performs final identity verification. If both user and transaction information meet the requirements, an "authentication successful" result will be returned. Conversely, if any mismatch or anomaly is found, the system will return a "failed" result.

[0064] This application embodiment performs identity verification for cash deposit service based on biometric technology and account verification technology after receiving a cash deposit instruction. This reduces the operational complexity and time delay that may be caused by traditional identity verification methods (such as password input or signature comparison), improves transaction security, simplifies the deposit steps for users when conducting cash transactions in rural supermarkets or service points, and enhances the security and efficiency of rural cash transactions.

[0065] To enhance the security of cash deposit services, optionally, in the business processing method provided in this application embodiment, the transaction system interface is used to verify the authenticity of biometric information, account number, and account transaction information. If the biometric information is the same as the biometric information on the cash deposit service agreement, the account number is the same as the account number on the cash deposit service agreement, and the account transaction information is the same as the account transaction information on the cash deposit service agreement, the identity verification result is determined to be successful.

[0066] First, the back-end transaction system receives biometric information from the cash deposit device via the transaction system interface. This information may include facial data collected during the transaction. The back-end system then verifies the authenticity of this biometric information by comparing it with biometric templates stored in the bank's database that are related to the cash deposit service agreement. This confirms that the user standing in front of the cash deposit device is indeed an authorized user under the agreement, effectively preventing identity theft and fraud.

[0067] Next, the back-end transaction system receives the account information and transaction activity information from the cash deposit device through the transaction system interface, and verifies the account information, which is the financial account information retrieved by the user after biometric identification. It compares the account information with the account bound to the cash deposit service agreement. This account information verification ensures that deposit operations are not mistakenly executed to unauthorized accounts, protecting the user's funds. The back-end transaction system also verifies the account's transaction activity information, checking whether this information matches the transaction conditions stipulated in the cash deposit service agreement, ensuring that the account's current status supports additional deposit operations and avoiding transaction failures due to account freezes, insufficient balances, or other situations.

[0068] This application embodiment verifies biometric information, account information, and transaction information through a transaction system interface. When all three information passes verification—meaning they are completely consistent with the information recorded in the cash deposit service agreement—the transaction system interface determines the identity verification result as "passed." This signifies that the user's identity, account, and transaction permissions have been successfully verified, allowing for smooth cash deposit operations. This avoids errors such as identity theft and incorrect fund transfers, ensuring that the cash deposit service is conducted legally, securely, and accurately.

[0069] Optionally, in the business processing method provided in this application embodiment, when the identity verification result is passed, the cash deposit service includes: determining the card number or account number of the user who has signed the cash deposit service agreement based on the identity verification result; after confirming the card number or account number, depositing the change amount into the corresponding financial account, wherein the corresponding financial account is the financial account corresponding to the card number or the financial account corresponding to the account number.

[0070] Specifically, once the authentication result returned by the transaction system interface is successful, it indicates that the user's identity and account information have been successfully identified and confirmed. At this point, the cash deposit service will automatically match and determine the card number or account number specified by the user in the cash deposit service agreement based on the received biometric result, ensuring that subsequent financial transactions accurately point to the user and not someone else, thus improving the security and privacy protection of the transaction.

[0071] Once the card number or account number is accurately identified, the cash deposit service will deposit the change into the corresponding financial account. The "corresponding financial account" specifically refers to the financial account associated with the card number or account number explicitly mentioned in the cash deposit service agreement, which is locked by the biometric identification results. This operation is completed by calling the bank's back-end transaction system interface, ensuring fast, secure, and accurate fund transfers.

[0072] According to the verification results, the present application embodiment automatically retrieves the card number or account information specified by the user in the agreement. After confirming the user's card number or account, the cash deposit device will automatically perform the cash deposit operation, directly depositing the amount of change selected by the user in the transaction into the financial account corresponding to the card number or account that the user has signed the agreement, thus realizing the automated execution from user identity confirmation to fund operation.

[0073] To promote cash deposit services, optionally, the business processing method provided in this application embodiment further includes: generating an independent transaction event number for the cash deposit service and storing the transaction event number in a blockchain; transferring the change associated with the transaction event number to a financial institution according to a preset period; and receiving a reward from the financial institution, wherein the amount of the reward is determined based on the number of cash deposits associated with the transaction event number or the amount of cash deposits.

[0074] Specifically, whenever a cash deposit transaction occurs, the cash deposit device automatically generates a unique transaction event number. This number, created based on blockchain technology, is unique and tamper-proof, used to uniquely identify and record all details of this cash deposit service, including key information such as transaction time, location, user information, and deposit amount. This ensures that each transaction can be uniquely identified, facilitating subsequent tracking and auditing, and laying the foundation for the transparency and security of the service.

[0075] The generated transaction event number, along with the relevant transaction information, is encrypted and stored in the blockchain ledger. This transaction information will be recorded permanently and transparently, and no participant can unilaterally modify the historical transaction records, ensuring a high level of information security. While protecting user privacy, it creates an unforgeable chain of transaction evidence for financial institutions, merchants, and users.

[0076] All completed cash collection and deposit transactions are aggregated according to a preset time period, and the total amount of change associated with the transaction event number is transferred to a financial institution. For example, weekly, monthly, or when a certain transaction amount is reached, the change associated with the transaction event number is transferred to a designated account of the financial institution. This ensures the timeliness and accuracy of fund transfers, simplifies fund management at rural service points, promotes the flow and circulation of funds, and avoids the risks that may arise from cash accumulation at rural service points, thus contributing to the healthy development of the financial ecosystem.

[0077] Financial institutions will pay corresponding remuneration to the service points based on the number of cash deposits collected or the total amount collected, associated with the transaction event number. The remuneration is intended to encourage merchants at the service points to more actively promote and use the cash deposit collection service, thereby improving service quality and efficiency. The determination of the remuneration amount takes into account both the number and amount of transactions to ensure the fairness and effectiveness of the incentive mechanism and promote the long-term stable development of rural financial services.

[0078] This application embodiment generates a unique transaction event number for each cash deposit service and stores it in the blockchain. This not only improves the transparency and security of transactions but also simplifies the fund settlement process with financial institutions, ensuring the smooth operation of the service and reasonable compensation for partners. It also helps to mobilize more rural resources to participate in financial services and bring a more convenient and efficient financial service experience to rural areas.

[0079] It should be noted that the steps shown in the flowchart in 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 may be executed in a different order than that shown here.

[0080] Example 2

[0081] This application also provides a business processing device. It should be noted that the business processing device of this application can be used to execute the business processing method provided in this application. The business processing device provided in this application is described below.

[0082] According to an embodiment of this application, an apparatus for implementing the above-described business processing method is also provided. Figure 4 This is a schematic diagram of a service processing device provided according to an embodiment of this application, such as... Figure 4 As shown, the device includes:

[0083] The instruction receiving unit 401 is used to receive cash deposit instructions input by the user through the input screen of the cash deposit device.

[0084] The authentication unit 402 is used to respond to the user's cash deposit instruction, authenticate the user, and obtain the authentication result.

[0085] Service execution unit 403 is used to execute cash deposit service when the identity verification result is passed. The cash deposit service is used to deposit the change given when paying in cash into the user's financial account.

[0086] In this embodiment, the instruction receiving unit 401 receives a cash deposit instruction input by the user through the input screen of the cash deposit device; the identity verification unit 402 responds to the user's input cash deposit instruction, verifies the user's identity, and obtains the identity verification result; the service execution unit 403 executes the cash deposit service when the identity verification result is successful. The cash deposit service is used to deposit the change given when paying in cash into the user's financial account, which solves the problem of cumbersome change-giving steps when paying in cash in related technologies. By verifying the user's identity with the user's consent, if the identity verification is successful, the change given is deposited into the user's financial account, achieving the effect of quickly processing change and improving the efficiency of change deposit.

[0087] Optionally, in the business processing device provided in this application embodiment, the device further includes: an agreement authorization module, used to allow the cash collection device set up at the agency to perform cash collection service under the user's authorization; and an agreement deposit module, used to deposit the change amount into the user's financial account when performing the cash collection service.

[0088] Optionally, in the business processing device provided in this application embodiment, the instruction receiving unit 401 further includes a calculation module for calculating the amount received, the price of the goods, and the amount of change to be given, and displaying the amount received, the price of the goods, and the amount of change to be given on the display interface of the input screen; a payment response module for responding to the user's payment operation and activating the cash verification module, wherein the cash verification module is used to verify the authenticity of the cash used in the payment operation; and a cash receiving module for receiving the cash used by the user when it is determined that the cash is genuine.

[0089] Optionally, in the business processing device provided in this application embodiment, the identity verification unit 402 includes a biometric module for collecting the user's biometric information, sending the biometric information to the financial institution's transaction system interface, and receiving the biometric result fed back by the transaction system interface, wherein the biometric information includes at least facial information; an account query module for querying the user's account and the account's transaction activity when the biometric result is successful; and an identity information generation module for sending the account and the account's transaction activity to the transaction system interface and receiving the identity verification result fed back by the transaction system interface.

[0090] Optionally, in the business processing device provided in this application embodiment, the device further includes: a transaction system interface for verifying the authenticity of biometric information, account number, and account transaction information; and determining the identity verification result as passed if the biometric information is the same as the biometric information in the cash deposit service agreement, the account number is the same as the account number in the cash deposit service agreement, and the account transaction information is the same as the account transaction information in the cash deposit service agreement.

[0091] Optionally, in the service processing device provided in this application embodiment, the service execution unit 403 includes a card number or account number determination module, used to determine the card number or account number of the user who has signed a cash deposit service agreement based on the identity verification result; and a limit deposit module, used to deposit the change amount into the corresponding financial account after confirming the card number or account number, wherein the corresponding financial account is the financial account corresponding to the card number or the financial account corresponding to the account number.

[0092] Optionally, in the business processing device provided in this application embodiment, the device further includes a transaction event numbering module, used to generate an independent transaction event number for the cash deposit service and store the transaction event number in the blockchain; a change transfer module, used to transfer the change associated with the transaction event number to the financial institution according to a preset period; and a reward receiving module, used to receive the reward from the financial institution, wherein the amount of the reward is determined according to the number of cash deposits associated with the transaction event number or the amount of cash deposits.

[0093] It should be noted that the above modules and units correspond to steps S201 to S203 in Embodiment 1. The instances and application scenarios implemented by each unit and module are the same as those of the corresponding steps, but are not limited to the content disclosed in Embodiment 1. It should be noted that the above modules or units may be hardware or software components stored in memory (e.g., memory 104) and processed by one or more processors (e.g., processors 102a, 102b, ..., 102n). The above modules may also be part of a device and run in the computer terminal 10 provided in Embodiment 1.

[0094] Example 3

[0095] Embodiments of this application may provide an electronic device. Figure 5 This is a structural block diagram of an electronic device according to an embodiment of this application. Figure 5 As shown, the electronic device may include: one or more ( Figure 5 Only one of the components is shown: processor 502, memory 504, memory controller, and peripheral interface, wherein the peripheral interface is connected to the radio frequency module, audio module, and display.

[0096] The memory can be used to store software programs and modules, such as the program instructions / modules corresponding to the methods and apparatus in the embodiments of this application. The processor executes various functional applications and data processing by running the software programs and modules stored in the memory, thereby implementing the above-described methods. The memory may include high-speed random access memory, and may also include non-volatile memory, such as one or more magnetic storage devices, flash memory, or other non-volatile solid-state memory. In some instances, the memory may further include memory remotely located relative to the processor, and these remote memories can be connected to the terminal via a network. Examples of such networks include, but are not limited to, the Internet, corporate intranets, local area networks, mobile communication networks, and combinations thereof.

[0097] The processor can access information and applications stored in the memory via a transmission device to perform the following steps: receiving a cash deposit instruction input by the user through the input screen of the cash deposit device; responding to the user's cash deposit instruction, authenticating the user, and obtaining the authentication result; when the authentication result is successful, executing the cash deposit service, wherein the cash deposit service is used to deposit the change given when paying in cash into the user's financial account.

[0098] In this embodiment, a cash deposit instruction is received from a user via the input screen of the cash deposit device; in response to the user's input cash deposit instruction, the user is authenticated and an authentication result is obtained; when the authentication result is successful, the cash deposit service is executed. The cash deposit service is used to deposit the change given when paying in cash into the user's financial account, which solves the problem of cumbersome change-giving steps when paying in cash in related technologies. By authenticating the user with the user's consent, if the authentication is successful, the change given is deposited into the user's financial account, achieving the effect of quickly processing change and improving the efficiency of change deposit.

[0099] The processor can also access information and applications stored in the memory via a transmission device to perform the following steps: allowing the cash collection device set up at the agency to perform cash collection services with the user's authorization; and depositing the change into the user's financial account when performing the cash collection service.

[0100] The processor can also call the information and application stored in the memory through the transmission device to perform the following steps: calculate the amount received, the price of the goods, and the amount of change to be given, and display the amount received, the price of the goods, and the amount of change to be given on the display interface of the input screen; respond to the user's payment operation and activate the cash verification module, wherein the cash verification module is used to verify the authenticity of the cash used for the payment operation; when the cash is confirmed to be genuine, accept the cash used by the user.

[0101] The processor can also access information and applications stored in the memory via a transmission device to perform the following steps: collecting the user's biometric information, sending the biometric information to the financial institution's transaction system interface, and receiving the biometric results fed back by the transaction system interface, wherein the biometric information includes at least facial information; when the biometric results are successful, querying the user's account and the account's transaction activity; sending the account and the account's transaction activity to the transaction system interface, and receiving the identity verification results fed back by the transaction system interface.

[0102] The processor can also call the information and application stored in the memory through the transmission device to perform the following steps: The transaction system interface is used to verify the authenticity of biometric information, account number and account transaction information. If the biometric information is the same as the biometric information on the cash deposit service agreement, the account number is the same as the account number on the cash deposit service agreement, and the account transaction information is the same as the account transaction information on the cash deposit service agreement, the identity verification result is determined to be passed.

[0103] The processor can also call the information and application stored in the memory through the transmission device to perform the following steps: determine the card number or account number of the user who has signed a cash deposit service agreement based on the identity verification result; after confirming the card number or account number, deposit the change amount into the corresponding financial account, wherein the corresponding financial account is the financial account corresponding to the card number or the financial account corresponding to the account number.

[0104] The processor can also access information and applications stored in the memory via a transmission device to perform the following steps: generate a unique transaction event number for the cash collection service and store the transaction event number in the blockchain; transfer the change associated with the transaction event number to the financial institution according to a preset period; and receive a reward from the financial institution, wherein the amount of the reward is determined based on the number of cash collections or the amount of cash collection associated with the transaction event number.

[0105] Those skilled in the art will understand that Figure 5 The structure shown is for illustrative purposes only. Electronic devices can also be smartphones, tablets, handheld computers, mobile internet devices (MIDs), PADs, and other terminal devices. Figure 5 This does not limit the structure of the aforementioned electronic device. For example, electronic devices may also include components that are more... Figure 5 The more or fewer components shown (such as network interfaces, display devices, etc.), or having the same Figure 5 The different configurations shown.

[0106] Those skilled in the art will understand that all or part of the steps in the various methods of the above embodiments can be implemented by a program instructing the hardware related to the terminal device. The program can be stored in a computer-readable storage medium, which may include: flash drive, read-only memory (ROM), random access memory (RAM), disk or optical disk, etc.

[0107] Example 4

[0108] Embodiments of this application also provide a storage medium. Optionally, in this embodiment, the storage medium can be used to store program code executed by the following business processing method: receiving a cash deposit instruction input by a user through the input screen of a cash deposit device; responding to the user's input cash deposit instruction, authenticating the user, and obtaining an authentication result; when the authentication result is successful, executing the cash deposit service, wherein the cash deposit service is used to deposit the change given during cash payment into the user's financial account.

[0109] Optionally, in this embodiment, the storage medium may be located in any computer terminal in a group of computer terminals in a computer network, or in any mobile terminal in a group of mobile terminals.

[0110] This application also provides a computer program product, which, when executed on a data processing device, is suitable for performing the following business processing steps: receiving a cash deposit instruction input by a user through the input screen of a cash deposit device; responding to the user's input cash deposit instruction, authenticating the user, and obtaining an authentication result; and when the authentication result is successful, executing a cash deposit service, wherein the cash deposit service is used to deposit the change given during cash payment into the user's financial account.

[0111] The sequence numbers of the embodiments in this application are for descriptive purposes only and do not represent the superiority or inferiority of the embodiments.

[0112] In the above embodiments of this application, the descriptions of each embodiment have different focuses. For parts not described in detail in a certain embodiment, please refer to the relevant descriptions of other embodiments.

[0113] In the several embodiments provided in this application, it should be understood that the disclosed technical content can be implemented in other ways. The device embodiments described above are merely illustrative; for example, the division of units is only a logical functional division, and in actual implementation, there may be other division methods. For example, multiple units or components may be combined or integrated into another system, or some features may be ignored or not executed. Furthermore, the displayed or discussed mutual coupling, direct coupling, or communication connection may be through some interfaces; the indirect coupling or communication connection between units or modules may be electrical or other forms.

[0114] The units described as separate components may or may not be physically separate. 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 network units. Some or all of the units can be selected to achieve the purpose of this embodiment according to actual needs.

[0115] Furthermore, the functional units in the various embodiments of this application can be integrated into one processing unit, or each unit can exist physically separately, or two or more units can be integrated into one unit. The integrated unit can be implemented in hardware or as a software functional unit.

[0116] If the integrated unit is implemented as 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 this application, in essence, 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. This computer software product is stored in a storage medium and includes several instructions to cause a computer device (which may be a personal computer, server, or network device, etc.) to execute all or part of the steps of the methods described in the various embodiments of this application. The aforementioned storage medium includes various media capable of storing program code, such as a USB flash drive, read-only memory (ROM), random access memory (RAM), portable hard drive, magnetic disk, or optical disk.

[0117] The above description is only a preferred embodiment of this application. It should be noted that for those skilled in the art, several improvements and modifications can be made without departing from the principle of this application, and these improvements and modifications should also be considered within the scope of protection of this application.

Claims

1. A method for processing a business transaction, characterized in that, Applications to cash collection devices include: Receive cash deposit instructions input by the user through the input screen of the cash deposit device; In response to the user's cash deposit instruction, the system verifies the user's identity and obtains the identity verification result. When the identity verification result is successful, a cash deposit service is executed, wherein the cash deposit service is used to deposit the change given when paying in cash into the user's financial account.

2. The method for handling business according to claim 1, characterized in that, The cash deposit service agreement is jointly signed by the financial institution, the user, and the merchant at the agency point. The cash deposit device and the financial institution are used to provide the user with an information entry channel during the signing process of the cash deposit service agreement. The content of the cash deposit service agreement includes at least the following: The cash collection device installed at the agency point is permitted to perform the cash collection service under the user's authorization; When performing the cash deposit service, the amount of change given is deposited into the user's financial account.

3. The method for handling business according to claim 1, characterized in that, Before receiving a cash deposit instruction input by a user through the input screen of the cash deposit device, the method further includes: Calculate the amount received, the price of the goods, and the amount of change to be given, and display the amount received, the price of the goods, and the amount of change to be given on the display interface of the input screen; In response to the user's payment operation, the cash verification module is activated, wherein the cash verification module is used to verify the authenticity of the cash used in the payment operation; Upon confirming that the cash is genuine, the cash used by the user is received.

4. The method for handling business according to claim 1, characterized in that, In response to the user's cash deposit instruction, the system verifies the user's identity and obtains the authentication result, including: Collect the user's biometric information, send the biometric information to the financial institution's transaction system interface, and receive the biometric results fed back by the transaction system interface, wherein the biometric information includes at least facial information; When the biometric identification result is successful, query the user's account and the account's transaction history; Send the account and its transaction history to the transaction system interface, and receive the identity verification result from the transaction system interface.

5. The method for handling business according to claim 4, characterized in that, The transaction system interface is used to verify the authenticity of the biometric information, the account, and the account's transaction information. If the biometric information is the same as the biometric information on the cash deposit service agreement, the account is the same as the account on the cash deposit service agreement, and the account's transaction information is the same as the transaction information on the cash deposit service agreement, the identity verification result is determined to be successful.

6. The method for handling business according to claim 1, characterized in that, When the identity verification result is successful, the cash deposit service is performed, including: Based on the identity verification result, determine the card number or account number of the user who has signed a cash deposit service agreement; After confirming the card number or the account number, the change amount is deposited into the corresponding financial account, wherein the corresponding financial account is the financial account corresponding to the card number or the financial account corresponding to the account number.

7. The method for handling business according to claim 1, characterized in that, The method further includes: Generate a unique transaction event number for the cash deposit service and store the transaction event number in the blockchain; According to a preset cycle, the change associated with the transaction event number will be transferred to a financial institution. The financial institution receives a fee, the amount of which is determined based on the number of cash deposits or the amount of cash deposits associated with the transaction event number.

8. A business processing device, characterized in that, Applications to cash collection devices include: The instruction receiving unit is used to receive cash deposit instructions input by the user through the input screen of the cash deposit device; An authentication unit is used to respond to the cash deposit instruction input by the user, authenticate the user, and obtain an authentication result; The service execution unit is used to perform a cash deposit service when the identity verification result is successful, wherein the cash deposit service is used to deposit the change given when paying in cash into the user's financial account.

9. A computer-readable storage medium, characterized in that, The computer-readable storage medium includes a stored executable program, wherein, when the executable program is executed, it controls the device on which the computer-readable storage medium is located to perform the service processing method according to any one of claims 1 to 7.

10. An electronic device, characterized in that, include: Memory, which stores executable programs; A processor for running the program, wherein the program, when running, performs the method for processing the business as described in any one of claims 1 to 7.

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