CN111915285B

CN111915285B - Cash withdrawing method and device and electronic equipment

Info

Publication number: CN111915285B
Application number: CN202010783984.0A
Authority: CN
Inventors: 高延太; 吕光; 张文文
Original assignee: Industrial and Commercial Bank of China Ltd ICBC
Current assignee: Industrial and Commercial Bank of China Ltd ICBC
Priority date: 2020-08-06
Filing date: 2020-08-06
Publication date: 2023-09-05
Anticipated expiration: 2040-08-06
Also published as: CN111915285A

Abstract

The present disclosure provides a cash withdrawal method, apparatus and electronic device, which may be used in the financial field or other fields, the method including: determining first transaction information corresponding to the first transaction identifier based on the mapping relation in response to the first transaction identifier from the first client; transmitting the first transaction information to the first client so that the first client displays the first transaction information; and transferring funds of the first account corresponding to the cash withdrawal amount in the first transaction information to the second account in response to a first transaction instruction for the first transaction information from the first client. This facilitates the second user paying cash to the first user in relation to the amount of cash withdrawal in the first transaction information.

Description

Cash withdrawing method and device and electronic equipment

Technical Field

The present disclosure relates to the field of financial technology, and more particularly, to a cash withdrawal method, apparatus, and electronic device.

Background

With the rapid development of electronic payment, although mobile payment is a trend, cash still exists in life of people for a long time, and when cash is needed, cash is still required to be withdrawn from a banking website or an automatic teller machine (Automatic Teller Machine, abbreviated as ATM).

Because of the distribution difference of banking outlets or ATMs in different regions, if the distribution quantity is small and the distance is far, a plurality of inconveniences are brought to people needing to withdraw cash. Taking a singapore branch as an example, the singapore branch is only less than 50 ATMs, wherein a large part of the singapore branch is a line type ATM (namely an ATM in a banking website), and no sufficient off-line type ATM cash withdrawal website exists, so that a plurality of inconveniences are caused for customers to withdraw cash, and serious barriers are caused for expanding the branch retail business.

Therefore, in the process of implementing the disclosed concept, the inventor finds out how to safely, quickly and conveniently enable customers to withdraw cash, and improve customer experience is a technical problem to be solved urgently.

Disclosure of Invention

In view of the above, the present disclosure provides a cash withdrawal method, apparatus and electronic device that can achieve no need of a passbook, no need of a bank card, and no need of an ATM site.

One aspect of the present disclosure provides a cash withdrawal method performed by a first server side, the method including: determining first transaction information corresponding to a first transaction identifier based on a mapping relationship in response to the first transaction identifier from a first client, wherein the first transaction identifier is determined by the first client based on a call flag from a second client, the call flag comprises the first transaction identifier generated by the first server, and the mapping relationship is a relationship between the transaction identifier and the transaction information; transmitting the first transaction information to the first client so that the first client displays the first transaction information; and responding to a first transaction instruction from the first client for the first transaction information, transferring funds of the first account corresponding to the cash withdrawal amount in the first transaction information to the second account so that the second user pays cash related to the cash withdrawal amount in the first transaction information to the first user, wherein the first account is an account of the first user, and the second account is an account of the second user.

Another aspect of the present disclosure provides a cash withdrawal method performed by a first client, including: responding to a call sign from a second client side, and sending a first transaction identification to a first server side so that the first server side determines first transaction information corresponding to the first transaction identification based on a mapping relation, wherein the call sign comprises the first transaction identification generated by the first server side, and the mapping relation is a relation between the transaction identification and the transaction information; responding to first transaction information from a first server side, and displaying the first transaction information; and responding to the first user operation, sending a first transaction instruction aiming at the first transaction information to the first server side, so that the first server side transfers funds of the first account corresponding to the cash withdrawal amount in the first transaction information to the second account, the second user is convenient to pay cash related to the cash withdrawal amount in the first transaction information to the first user, the first account is an account of the first user, and the second account is an account of the second user.

Another aspect of the present disclosure provides a cash withdrawal method performed by a cash withdrawal system including a first client and a first server, the method comprising: the first client responds to a call sign from the second client, the call sign comprises a first transaction sign generated by the first server, and the first transaction sign is sent to the first server; the method comprises the steps that a first server side responds to a first transaction identifier from a first client side, first transaction information corresponding to the first transaction identifier is determined based on a mapping relation, and the mapping relation is a relation between the transaction identifier and the transaction information; the first client side responds to first transaction information from the first server side and displays the first transaction information; the method comprises the steps that a first client side responds to first user operation and sends a first transaction instruction aiming at first transaction information to a first server side; and the first server side responds to the first transaction instruction and transfers funds of the first account corresponding to the cash withdrawal amount in the first transaction information to the second account, so that the second user can pay cash related to the cash withdrawal amount in the first transaction information to the first user conveniently, wherein the first account is an account of the first user, and the second account is an account of the second user.

Another aspect of the present disclosure provides a cash withdrawal device in a first server side, including: the system comprises a transaction information determining module, a transaction information sending module and a fund transfer module. The transaction information determining module is used for responding to a first transaction identifier from a first client, determining first transaction information corresponding to the first transaction identifier based on a mapping relation, wherein the first transaction identifier is determined by the first client based on a call mark from a second client, the call mark comprises the first transaction identifier generated by the first server, and the mapping relation is the relation between the transaction identifier and the transaction information; the transaction information sending module is used for sending the first transaction information to the first client so that the first client can display the first transaction information; and the fund transfer module is used for responding to a first transaction instruction aiming at the first transaction information from the first client, transferring funds of the first account corresponding to the cash withdrawal amount in the first transaction information to the second account so that the second user pays cash related to the cash withdrawal amount in the first transaction information to the first user, wherein the first account is an account of the first user, and the second account is an account of the second user.

Another aspect of the present disclosure provides a cash withdrawal device in a first client, including: the system comprises a transaction identification sending module, a transaction information display module and a transaction instruction sending module. The transaction identifier sending module is used for responding to a call identifier from the second client side and sending the first transaction identifier to the first server side so that the first server side determines first transaction information corresponding to the first transaction identifier based on a mapping relation, wherein the call identifier comprises the first transaction identifier generated by the first server side, and the mapping relation is a relation between the transaction identifier and the transaction information; the transaction information display module is used for responding to the first transaction information from the first server side and displaying the first transaction information; and the transaction instruction sending module is used for responding to the operation of the first user and sending a first transaction instruction aiming at the first transaction information to the first server side so that the first server side can transfer funds of the first account corresponding to the cash withdrawal amount in the first transaction information to the second account, so that the second user can pay the cash related to the cash withdrawal amount in the first transaction information to the first user conveniently, wherein the first account is an account of the first user, and the second account is an account of the second user.

Another aspect of the present disclosure provides an electronic device, comprising: one or more processors; and a memory for storing one or more instructions, wherein the one or more instructions, when executed by the one or more processors, cause the one or more processors to implement the method as described above.

Another aspect of the present disclosure provides a computer-readable storage medium storing computer-executable instructions that, when executed by a processor, cause the processor to implement a method as described above.

Another aspect of the present disclosure provides a computer program comprising computer executable instructions which, when executed by a processor, cause the processor to implement a method as described above.

According to the embodiment of the disclosure, after the first client is awakened by the call sign from the second client, the first transaction identification included in the call sign is sent to the first server side, so that the first server side can determine corresponding transaction information based on the first transaction identification, and further funds corresponding to the cash withdrawal amount of the first user are transferred to an account of a second user of a non-ATM site based on the transaction information, so that the second user can provide required cash for the first user, and cash withdrawal without a passbook, a bank card or an ATM site is realized. The cash recycling system effectively solves the problem that cash can only be withdrawn through banking outlets or ATMs in the prior art, achieves the technical effects of expanding a channel for customer cash recycling and improving the convenience of cash recycling.

Drawings

The above and other objects, features and advantages of the present disclosure will become more apparent from the following description of embodiments thereof with reference to the accompanying drawings in which:

FIG. 1 schematically illustrates an application scenario applicable to cash withdrawal methods, apparatus and electronic devices in accordance with embodiments of the present disclosure;

FIG. 2 schematically illustrates an exemplary system architecture of a cash withdrawal method, apparatus, and electronic device in accordance with an embodiment of the present disclosure;

FIG. 3 schematically illustrates a flow chart of a cash withdrawal method in accordance with an embodiment of the present disclosure;

FIG. 4 schematically illustrates a schematic diagram of a display interface showing first transaction information, according to an embodiment of the present disclosure;

FIG. 5 schematically illustrates a flow chart of a cash withdrawal method according to another embodiment of the present disclosure;

FIG. 6 schematically illustrates a schematic view of a scanned display interface in accordance with an embodiment of the disclosure;

FIG. 7 schematically illustrates a flow chart of a cash withdrawal method according to another embodiment of the present disclosure;

FIG. 8 schematically illustrates a block diagram of a cash withdrawal device in accordance with an embodiment of the present disclosure;

FIG. 9 schematically illustrates a block diagram of a cash withdrawal device in accordance with another embodiment of the present disclosure;

FIG. 10 schematically illustrates a schematic view of a cash withdrawal system in accordance with an embodiment of the present disclosure;

FIG. 11 schematically illustrates a flow chart of a cash withdrawal method performed by a cash withdrawal system in accordance with an embodiment of the present disclosure; and

fig. 12 schematically illustrates a block diagram of a computer system suitable for implementing the cash withdrawal method described above, in accordance with an embodiment of the present disclosure.

Detailed Description

Hereinafter, embodiments of the present disclosure will be described with reference to the accompanying drawings. It should be understood that the description is only exemplary and is not intended to limit the scope of the present disclosure. In the following detailed description, for purposes of explanation, numerous specific details are set forth in order to provide a thorough understanding of the embodiments of the present disclosure. It may be evident, however, that one or more embodiments may be practiced without these specific details.

The terminology used herein is for the purpose of describing particular embodiments only and is not intended to be limiting of the disclosure. The terms "comprises," "comprising," and/or the like, as used herein, specify the presence of stated features, steps, operations, and/or components, but do not preclude the presence or addition of one or more other features, steps, operations, or components. All terms (including technical and scientific terms) used herein have the same meaning as commonly understood by one of ordinary skill in the art unless otherwise defined. It should be noted that the terms used herein should be construed to have meanings consistent with the context of the present specification and should not be construed in an idealized or overly formal manner.

Where expressions like at least one of "A, B and C, etc. are used, the expressions should generally be interpreted in accordance with the meaning as commonly understood by those skilled in the art (e.g.," a system having at least one of A, B and C "shall include, but not be limited to, a system having a alone, B alone, C alone, a and B together, a and C together, B and C together, and/or A, B, C together, etc.).

Fig. 1 schematically illustrates an application scenario applicable to a cash withdrawal method, apparatus and electronic device according to an embodiment of the present disclosure. It should be noted that the cash extraction method, apparatus and electronic device provided in the embodiments of the present disclosure may be used in the financial field in the aspect of cash business, and may also be used in various fields other than the financial field, and the application fields of the cash extraction method, apparatus and electronic device provided in the embodiments of the present disclosure are not limited.

As shown in fig. 1, a plurality of shops, banking sites and ATM sites are distributed around a user, and in the related art, the user usually needs to use a passbook to take cash at the banking sites or use a bank card to take cash at the automatic teller machine (Automatic Teller Machine, ATM for short). However, when the user forgets to carry the bank card and passbook, or when there is no ATM at the periphery, the cash withdrawal cannot be achieved. According to the cash extraction method provided by the embodiment of the disclosure, a user can use a second client (such as a third party application) to transact cash taking business to a first server through the second server, such as creating a cash taking task and obtaining a first transaction identifier of the cash taking task, so that when the user obtains a cash taking place corresponding to the cash taking task, such as a shop 1 selected through the third party application, a cash amount required to be taken can be transferred to an account of the shop 1, and then cash of a required cash amount is provided to the user by the shop 1. Thus, the functions of card-free, folding-free and non-ATM site cash taking are well realized. In addition, the shops can attract users to purchase goods before through the service of reserving cash or collect cash fee. The users can conveniently pick up the cash, and the respective demands of the two parties can be met.

Fig. 2 schematically illustrates an exemplary system architecture of a cash withdrawal method, apparatus, and electronic device according to an embodiment of the present disclosure. It should be noted that fig. 2 is only an example of a system architecture to which embodiments of the present disclosure may be applied to assist those skilled in the art in understanding the technical content of the present disclosure, but does not mean that embodiments of the present disclosure may not be used in other devices, systems, environments, or scenarios.

As shown in fig. 2, the system architecture 200 according to this embodiment may include terminal devices 201, 202, 203, a network 204, and a server 205. The network 204 is the medium used to provide communication links between the terminal devices 201, 202, 203 and the server 205. The network 204 may include various connection types, such as wired and/or wireless communication links, and the like.

The user may interact with the server 205 via the network 204 using the terminal devices 201, 202, 203 to receive or send messages or the like. Various communication client applications may be installed on the terminal device, such as banking applications, shopping applications, web browser applications, etc. (as examples only).

The terminal devices 201, 202, 203 may be various electronic devices having a display screen and supporting web browsing, including but not limited to smartphones, tablets, laptop and desktop computers, and the like. The terminal device may be provided with the first client and the second client simultaneously, for example, a banking application, a third party payment application, etc., where the banking application and the third party payment application may respectively provide services for a plurality of users, for example, a third party payment application is respectively installed on the terminal device of each shop, and each shop has a respective account number.

The server 205 may be a server providing various services, such as a background management server (by way of example only) providing support for websites browsed by users using the terminal devices 201, 202, 203. The background management server may analyze and process the received data such as the user request, and feed back the processing result (e.g., the web page, information, or data obtained or generated according to the user request) to the terminal device.

Any one of the terminal devices 201, 202, or 203 supports the first client and the second client (for example, but not limited to, the terminal device 201). The second client may wake up the first client by sending a call flag to the first client, where the first client determines a first transaction identifier according to the call flag, and sends the first transaction identifier to the server 205, so that the server 205 determines first transaction information corresponding to the first transaction identifier, and performs a transaction corresponding to the first transaction information, and transfers funds of the formulated amount to the second user, so that the second user may provide cash of a corresponding amount to the first user.

It should be understood that the number of terminal devices, networks and servers in fig. 2 is merely illustrative.

Fig. 3 schematically illustrates a flow chart of a cash withdrawal method according to an embodiment of the present disclosure.

According to an embodiment of the present disclosure, a cash withdrawal method is performed by a first server side, as shown in fig. 3, the method including operations S301 to S305.

In operation S301, first transaction information corresponding to a first transaction identification is determined based on a mapping relationship between the transaction identification and the transaction information in response to the first transaction identification from the first client, wherein the first transaction identification is determined by the first client based on a call flag from the second client, the call flag including the first transaction identification generated by the first server.

In this embodiment, the first server may be a server or a server cluster that provides services for a banking application. For example, the first server may include: servers (clusters) for providing application interface functionality, server clusters supporting a distributed service framework, servers (clusters) for service delivery, hosts, etc. Wherein the server (cluster) for providing the application interface function can provide services to the outside, such as providing services to the bank application.

The first client may be a banking client, such as a "china industry and commerce banking" application, etc., which may provide the user with information such as: account management, balance inquiry, account transfer, payment, financial management, shopping and other functions. Each user can have a respective account, and various accounts can be managed through a banking client.

The second client may be a mobile App of a third party finance company, for example, a payment treasure application, a WeChat application, a Paypal application, etc. installed on a mobile phone of a user, a shop boss, a legal person, a business person, etc. Also for example, a mobile terminal App (abbreviated as third party application) of a third party finance company installed on terminal equipment of a hotel, a casino, or the like. The third party application needs to be served by a second server side, which may be a server or a cluster of servers, etc.

The service request for cash withdrawal may be a service request for cash withdrawal initiated by the user using a third party application, or may be initiated by a web page or the like on the computer (PC) side. The third party application sends a service request for withdrawing cash to the second server side, so that the second server side can generate a second transaction identifier and first transaction information of the third party. And transmitting the second transaction identifier and the first transaction information to the first server side, so that the first server side records the transaction request and the second transaction identifier, and the first server side can generate a first transaction identifier of the transaction information aiming at the transaction request and transmit the first transaction identifier to the second server side.

For example, the above method further includes the following operations.

First, before first transaction information corresponding to a first transaction identifier is determined based on a mapping relation in response to the first transaction identifier from a first client, a transaction request from a second server is received, wherein the transaction request comprises the second transaction identifier and the first transaction information corresponding to the second transaction identifier, and the first transaction information is sent to the second server by the second client. For example, a third party background application interface (API) Service initiates a transaction, calling DSF services through the bank's API platform to invoke Service 1 (Service 1) that created the transaction; the request contains transaction information (such as transaction amount, currency, time, cash withdrawal place, etc.) and a Third party side unique primary key (Third PK) of the transaction, which can be used as a second transaction identifier.

Then, a first transaction identification corresponding to the first transaction information and a mapping relationship between the first transaction identification and the first transaction information are generated. For example, after receiving the call, service 1 firstly queries in the transaction information table according to the information transmitted from the third-party API, if the transaction information already exists, and if the transaction information does not exist, a bank end PK is created to uniquely mark the transaction at the bank side, and the transaction information transmitted from the third-party API is stored in the transaction information table. After the customer arrives to initiate cash withdrawal, the third party application selects the corresponding bank to withdraw money, and the third party application is evoked and jumped to the mobile phone mobile client of the bank. After the mobile client of the mobile phone of the bank is called up, the call sign transmitted by the third party application is analyzed and identified. The bank end PK may be used as a first transaction identifier.

The first transaction identification is then transmitted to the second server side for the second server side to verify the first transaction identification and/or the second server side associates the second transaction identification with the first transaction identification. For example, return to the created banking side PK.

Then, after the mobile client of the mobile phone of the bank is called up, the call sign transmitted by the third party application is analyzed and identified, so that the first client can determine the first transaction identification, and the first client can send the first transaction identification to the first server.

In operation S303, the first transaction information is transmitted to the first client, so that the first client displays the first transaction information.

In one embodiment, the transaction information includes: cash withdrawal amount and currency, at least one of: cash withdrawal time and cash withdrawal location. For example, the user may or may not set the cash withdrawal time and cash withdrawal location, etc. in a third party application, such as the system may default the cash withdrawal time to be 24 days ago or to the nearest business to the user, etc.

For example, in the transfer transaction of the first client, the mobile banking background (the first server) calls an interface in the DSF Service to call a Service C (Service C) according to the banking end PK and the Third PK transmitted when the Third party application calls the mobile banking APP, so as to obtain the first transaction information, and displays a display page to the first client for the client to confirm.

Exemplary explanation is given to the creation and cash taking service provided by the first server side, and the creation and cash taking service is provided by the first server side of the bank: a Service (hereinafter referred to as Service 1) for a third party application background (i.e., a second server side) to call to create the presence information. Service1 requires the caller to provide a unique serial number created by the caller (for identifying the transaction, such as a second transaction identifier), the cash amount, cash currency, cash time, cash place, etc. transaction information. When the service is initiated, the service1 creates a unique serial number (which can be used as a first transaction identifier) of the bank for each cash withdrawal, stores information such as the serial number, the cash withdrawal amount of the customer, the cash withdrawal currency, the cash withdrawal time, the cash withdrawal place and the like, and also needs to store the serial number sent by a calling party (such as a second server side). The first server side returns the unique serial number generated by the first server side and the serial number sent by the calling party to the calling party together for the calling party to verify, record and initiate subsequent functions.

Fig. 4 schematically illustrates a schematic diagram of a display interface showing first transaction information according to an embodiment of the present disclosure.

As shown in fig. 4, information such as a cash withdrawal amount, a currency, a cash withdrawal time, a cash withdrawal place, etc. may be displayed on the transaction information confirmation display interface of the first client so that the user can confirm the transaction information.

In operation S305, funds of the first account corresponding to the cash withdrawal amount in the first transaction information are transferred to the second account in response to the first transaction instruction for the first transaction information from the first client so that the second user pays cash related to the cash withdrawal amount in the first transaction information to the first user, the first account being an account of the first user, the second account being an account of the second user. The second user may be an individual, or may be a legal person, for example, an enterprise, a bank, a merchant, or the like, which is not limited to this disclosure. After transferring funds of the first account corresponding to the cash withdrawal amount in the first transaction information to the second account, the transaction status (e.g., by invoking a service) stored in the first server side with respect to the first transaction information may be updated.

Referring to fig. 4, after the user confirms the transaction information, the user can click to withdraw money immediately, so that the funds of 1000 singapore elements in the user account can be transferred to the account of the shop reserved for withdrawal. This allows the business personnel at the store to provide cash to the user such as 1000 singapore after being notified of the funds transfer. It should be noted that the business personnel of the shop may obtain a certain reward based on a pre-agreed agreement, such as providing 999 singapore elements to the user. In addition, 1000 singapore elements, additional rewards amount and the like can be provided for popularizing the cash withdrawal method. The pre-agreed agreements may be negotiated by multiple parties or may be set by a shop, and then the user selects the agreements for himself by himself, such as providing cash in equal amounts and without other additional conditions, such as providing cash in equal amounts, but with the need to engage in specific activities, or purchase certain goods, etc.

An exemplary description is given of a cash transaction service provided by the first server side. The first server side of the bank provides a cash transaction Service (hereinafter referred to as Service 2). The Service 2 needs the caller to provide information such as a serial number, a cash withdrawal currency, a cash withdrawal amount, and the like created in Service 1. When the cash transaction service is initiated, the service 2 firstly uses the serial number sent by the calling party to extract the corresponding first transaction information, checks and verifies the corresponding first transaction information with the transaction information sent by the calling party, and after the check passes, the service initiates a transfer from a payment account (first account) of the first user to a company account (second account) opened by a third party financial company (second user) at a bank, and stores the payment account used by a customer and related information so as to be convenient for subsequent use when a refund service occurs. Service 2 may also return the processing results to the caller.

According to the cash withdrawing method provided by the embodiment of the invention, the third-party finance company is used for issuing a company user at a bank, a user selects cash withdrawing points and money from the mobile terminal application of the third-party finance company, the mobile application of the third-party finance company initiates a cash withdrawing request to the mobile banking application of the bank, a mobile banking client of the bank is called up, the customer is transferred from own bank account to the company user of the third-party finance company which is issued at the bank, and then the customer can take the corresponding cash money from an off-line merchant which has a clearing relation with the third-party company, so that the bank customer can withdraw cash without carrying a bank card and a bankbook, without going to a bank counter or a line-type or off-line ATM (automatic teller machine) point, and the user experience is improved.

In one embodiment, the above method may further comprise the following operations.

First, after the first transaction identifier is sent to the second server side, a transaction information inquiry request from the second server side is received, wherein the transaction information inquiry request comprises the first transaction identifier.

Then, first transaction information corresponding to the first transaction identification is determined based on the mapping relationship.

Then, at least one of the first transaction information corresponding to the first transaction identifier and the transaction state corresponding to the first transaction information is transmitted to the second server side.

For example, the bank background API platform provides an external interface for a third party application background API to call, so that the PK at the bank end can be used for inquiring information such as the transaction state of a specified transaction.

In order to improve the security of the user funds, accounts and the like, one or more security authentications, such as login authentication, biometric authentication, short message authentication and the like, may also be performed before the transfer operation is performed.

Before receiving the first transaction identification from the first client, determining and outputting a first authentication result in response to user login authentication information of a first user from the first client, wherein the user login authentication information is login authentication information input by the first user after the first client operates in response to a call sign from the second client.

And then, the first authentication result is sent to the first client so that the first client responds that the first authentication result is passed and sends a first transaction identification to the first server.

It should be noted that, different users may have respective account numbers for the first client, and different users may have respective bank accounts.

In one embodiment, to further enhance the security of user properties, private information, etc., a secondary authentication may be performed.

For example, the above method may further include the following operations.

And if the first authentication result is passed, sending a message authentication code to the authentication electronic equipment of the first user so that the authentication electronic equipment displays the message authentication code. The authentication electronic device of the first user may refer to an electronic device that uses the first user to reserve a security number at a bank, such as a smart phone of the first user.

And then, receiving a message authentication code from the first client to authenticate the user to obtain a second authentication result.

Next, transmitting the first transaction information to the first client includes: and if the first authentication result and the second authentication result are passed, the first transaction information is sent to the first client.

For example, a login transaction is entered into a mobile banking, after which a strong authentication of short message authentication is required for enhanced security, and after verifying the identity of the customer, the transaction is routed to a transfer transaction.

It should be noted that, in order to enhance transaction security, transaction verification may be further performed. For example, entering a transaction confirmation page, the user enters a transaction password, and invokes a bank background transfer deduction host to perform a transfer transaction.

In one embodiment, because the user may have multiple accounts, the user may wish to select one account from among them as the payment account.

For example, sending the first transaction information to the first client such that the first client presents the first transaction information includes: and sending the first transaction information and the account information of the first user to the first client so that the first user selects an account to be transferred from the account information of the first user.

Accordingly, transferring funds of the first account corresponding to the cash withdrawal amount in the first transaction information to the second account includes: and transferring funds corresponding to the cash withdrawal amount of the first transaction information in the account to be transferred to the second account.

Referring to fig. 4, the user may make an account selection in the first transaction information check page. This allows the user to transfer funds of a specified amount from the account to be transferred to the second account after the account to be transferred is selected.

In order to facilitate the third party to query the information such as the execution result of the transaction corresponding to the first transaction information, the method may further include the following operations. After transferring funds of the first account corresponding to the cash withdrawal amount in the first transaction information to the second account, sending a transaction result to the first client and/or sending the transaction result to the second server.

For example, the bank end background (the first server end) calls the Third party application background (the second server end) API interface, and uses the bank end PK and the Third PK as identifiers to push the Third party application background API together with the transaction result. And the third party application displays the successful or failed transaction result according to the acquired transaction result on the page jumped back from the first client. Meanwhile, the bank background API platform provides an external interface for a third party to apply background API call so as to use PK of a bank end to inquire the transaction state of the appointed transaction.

The status query service provided by the first server side is exemplarily described. The status query Service (hereinafter referred to as Service 3) is a Service provided by a bank for a third party application to call in the background to query the function of getting the status of the transaction. When the Service 3 needs the caller to provide the serial number, the cash-out time and the state inquiry Service created in the Service 1, the Service 3 takes out the current state of the cash-out transaction corresponding to the serial number according to the serial number and returns the current state to the caller.

In one embodiment, there may be a situation where a shop or the like wishes to cancel the current transaction, and accordingly, the above method may further include the following operations.

After transferring funds of the first account corresponding to the cash withdrawal amount in the first transaction information to the second account, responding to receiving a refund request from the second server, wherein the refund request is initiated by a second client corresponding to the second server, and the refund request comprises the first transaction identification.

Then, if the transaction result corresponding to the first transaction information is a transacted and not refund, funds of the second user corresponding to the cash withdrawal amount in the first transaction information are transferred to the first user.

For example, the first server side provides a service for the refund function called by the third party application background. The service requires the caller (e.g., the second user) to provide the first transaction identification, and the first transaction information such as the cash amount, cash currency, etc. When a refund service is initiated, the service uses a first transaction identifier sent by a calling party to take out corresponding first transaction information from a storage module, then firstly verifies the correctness of the first transaction information and the state of the transaction, and when the state is normal (namely the withdrawal transaction is successful and refund does not occur), the service initiates a transfer from a company account (second account) opened by a third-party financial company at a bank to a payment account (first account) of a customer (first user) at the time, thereby realizing the function of returning an original path to the first user. And returns the result of the refund action to the caller.

A refund service provided by the first server side is exemplarily described. The first server side of the bank provides: service4 (Service 4) for refund functions invoked by third party applications in the background. The Service4 needs the caller to provide transaction information such as a serial number, a cash amount, a cash currency, and the like created in Service 1. When the refund service is initiated, the service4 uses the serial number sent by the calling party to take out the corresponding first transaction information of withdrawal from the storage module, then verifies the correctness of the first transaction information and the state of the transaction, and when the state is normal (such as the withdrawal transaction is successful and no refund occurs), the service4 initiates a transfer from a third party finance company (second user) to a company account (second account) opened by a bank to a customer (first user) at the time of payment account (first account), thereby realizing the function of returning the original path of money to the customer. And returns the result of the refund action to the caller. The information stored in relation to the first server side is exemplarily described below in a transaction information table (table 1).

Table 1 transaction information Table (Transaction Info DB)

Field sequence number	Field description
		1	Self-increasing column
2	Transaction date
		3	Trade name
4	Third party company code
		5	Transfer request serial number
6	Transaction type
		7	Net point number
8	Third party side transaction unique identification string
		9	Bank side transaction unique identification string
10	Instruction number
		11	Deduction account
12	Transaction amount
		13	Trade currency type
14	Name of cash store
		15	Transaction status code
16	Transaction state description
		17	Unique client
18	URL returned to third party client
		19	Creating a timestamp
20	Finally modify the time stamp
		21	Area code

It should be noted that, in order to ensure the funds security of the first user and the second user, a secure administrative account may be set for the applicant to transfer funds, and meanwhile, the target cash provider may safely provide cash for the applicant.

According to embodiments of the present disclosure, the cash withdrawal amount transferred by the first user and the cash amount paid by the second user to the first user may be the same or different. The second user may charge a fee for providing the convenient cash withdrawal service. In addition, the first user may be provided with more cash than the transfer amount, such as due to promotion of the cash withdrawal service, promotion of store traffic, etc., the bank or store may be willing to provide the first user with more cash than the transfer amount.

According to the cash withdrawing method provided by the embodiment of the disclosure, the cash provider is distributed wider than the ATM, so that the technical problem that cash is required to be withdrawn only through the bank network or the ATM in the prior art to cause inconvenient cash withdrawal of users is at least partially solved, the technical effects of expanding a customer cash withdrawal channel, improving the convenience of cash withdrawal are achieved, the card using experience of individual customers of banks is effectively improved, the market competitiveness and the customer viscosity of bank debit card products are improved, and if the customers are convenient to withdraw, the customer withdrawal channel is expanded, so that the traditional cash withdrawal business is not limited to ATM completion any more, but cash withdrawal transaction can be completed through small merchants nearby, the short plates with limited quantity and layout of the bank ATM can be made up, and the cost of bank operation is greatly reduced. With the bank split behavior example of singapore, the first month of online has reached about 100 daily average, and has been primarily accepted by markets and consumers.

According to the cash withdrawing method provided by the embodiment of the disclosure, on one hand, the traditional cash withdrawing business is not limited to ATM (automatic teller machine) completion, but cash withdrawing transaction can be completed through small merchants. Short plates with limited number and layout of bank ATMs can be compensated for. On the one hand, the small-amount cash withdrawal channel of the bank debit card is greatly increased (for example, less than 500 yuan, the specific amount can be actually adjusted according to different branches), and the requirement of small-amount cash withdrawal of customers is met. On the one hand, the customers can finish the cash taking without cards and folds, without going to the counter or ATM sites, thereby greatly facilitating the convenience of the customers in cash taking. On one hand, the defect of insufficient outside branch line ATM network points is overcome, and the cost caused by one-time installation, periodic maintenance and the like caused by newly-increased off-line ATM network points is saved.

Another aspect of the present disclosure provides a cash withdrawal method performed by a first client.

Fig. 5 schematically illustrates a flow chart of a cash withdrawal method according to another embodiment of the present disclosure.

As shown in fig. 5, the method may include operations S501 to S505.

In operation S501, in response to a call flag from the second client, the first transaction identifier is sent to the first server, so that the first server determines first transaction information corresponding to the first transaction identifier based on a mapping relationship, where the call flag includes the first transaction identifier generated by the first server, and the mapping relationship is a relationship between the transaction identifier and the transaction information.

For example, the first user opens (or logs in) a mobile APP (abbreviated as a third party application) of a third party finance company, and selects an amount to be withdrawn, for example, a minimum of 10 yuan can be supported, and a maximum of 500 yuan (the amount can be set according to different conditions). The third party application automatically locates the current location of the first user, the current location supporting user modification. The first user may select a convenient store to pick up cash from a list of nearby merchants. After the first user selects the shop, jumping to a shop confirmation page, and displaying the sales promotion information of the shop, the withdrawal deadline, the deduction mode, whether the shop has a purchase requirement, the shop address, the withdrawal amount and the like on the page. When the first user arrives at the shop, click a function button, such as an "arrive" button, that characterizes the need to pick up. The page of the third party application jumps to a scanned page, the customer scans the two-dimensional code on the merchant terminal, and the first transaction identification can be determined based on the scanning operation. The two-dimensional code can comprise a second transaction identifier and/or a first transaction identifier, so that the second client sends the determined first transaction identifier to the first client. In addition, the two-dimensional code does not include the second transaction identifier and the first transaction identifier, and is only convenient for waking up the first client.

Fig. 6 schematically illustrates a schematic diagram of a scanned display interface in accordance with an embodiment of the disclosure.

As shown in fig. 6, after the first user reserves the cash withdrawal service using the second client, the promotion information of whether to arrive at the cash withdrawal location may be displayed in the display interface of the second client. When the user arrives, the user can click the arrival button and jump to the scanning interface to scan the two-dimensional code provided by a second user such as a shop. When the user clicks, the second client may send the obtained geographical location information to the first server via the second server, so that the first server checks the location information, and if the two pieces of information are inconsistent, the first user may be prompted.

In operation S503, the first transaction information is presented in response to the first transaction information from the first server side. For example, the first transaction information described above may be displayed on the confirmation payment interface of the first client, as shown with reference to fig. 4. For example, the first transaction information includes: cash withdrawal amount and currency, at least one of: cash withdrawal time and cash withdrawal location. The cash withdrawal time and cash withdrawal place may be preset information without user input.

In operation S505, in response to the first user operation, a first transaction instruction for the first transaction information is sent to the first server side, so that the first server side transfers funds of the first account corresponding to the cash withdrawal amount in the first transaction information to the second account, so that the second user can pay cash related to the cash withdrawal amount in the first transaction information to the first user.

The first user can transfer money from a personal account (first account) to a company account (second account) opened by a third-party financial company (second user) in a bank like normal transfer transaction, then the first client enters a mobile banking transaction success display interface of the bank, stays for a specified second (such as 2 seconds), and jumps to a transaction success page of the second client (such as a third-party application) from the first client. In addition, the safe electronic equipment of the first user can receive the short message prompt of the bank transfer transaction, the terminal equipment of the second user prints the receipt of the successful withdrawal and gives cash to the client, and the whole cash withdrawing process is finished.

In one embodiment, to enhance the user's property security, the method may further include the following operations. Before the first transaction identification is sent to the first server, user login authentication information of the first user is sent to the first server, so that the first server performs user login authentication, and a first authentication result is determined and output. Then, in response to the first authentication result from the first server side being a pass, the first transaction identification is sent to the first server side.

In addition, the property safety of the user can be further improved through the following operation.

First, before the first transaction identification is sent to the first server side, a message authentication code is received, wherein the message authentication code is sent to the authentication electronic equipment of the first user by the first server side so as to be displayed by the authentication electronic equipment.

And then, the message authentication code is sent to the first server side so as to authenticate the first user and obtain a second authentication result.

Then, sending the first transaction identification to the first server side includes: and if the first authentication result and the second authentication result are passed, the first transaction identification is sent to the first server side.

For example, the first user logs in to the first client (such as a mobile phone bank) by using a personal account number password, and enters a verification page (a verification signature mode, so as to better ensure the security of the account). After verifying the authentication, jumping to a payment display interface and the like.

Note that, the login authentication and the short message authentication are described above as examples, and the biometric authentication method, such as face recognition, fingerprint authentication, and voiceprint recognition, may be used in combination, and is not limited thereto.

In one embodiment, to facilitate user selection of an account for payment, presenting the first transaction information in response to the first transaction information from the first server side includes: and displaying the first transaction information and the account information of the first user so that the first user can determine the account to be transferred out from the account information of the first user.

Correspondingly, responding to the first user operation, sending the first transaction instruction aiming at the first transaction information to the first server side comprises: and sending a first transaction instruction aiming at the first transaction information and the account to be transferred to the first server side. For example, the first user selects a deduction account opened at the bank under the personal name in the first client, and the default back displays the living account, clicking "withdraw immediately".

In one embodiment, the transaction result display may also be performed by the first client. For example, the above method may further include the following operations.

After sending a first transaction instruction for the first transaction information to the first server side in response to the first user operation, performing at least one of: responding to the transaction result from the first server side, and displaying the transaction result; or if the transaction result is failure, jumping to a display interface of the second client; or sending the transaction result to the second server side.

Another aspect of the present disclosure provides a cash withdrawal method performed by a cash withdrawal system including a first client and a first server.

Fig. 7 schematically illustrates a flow chart of a cash withdrawal method according to another embodiment of the present disclosure. As shown in fig. 7, the method may include operations S701 to S709.

In operation S701, the first client transmits a first transaction identification to the first server side in response to a call flag from the second client, the call flag including the first transaction identification generated by the first server side.

In operation S703, the first server side determines, in response to the first transaction identifier from the first client side, first transaction information corresponding to the first transaction identifier based on a mapping relationship between the transaction identifier and the transaction information.

In operation S705, the first client presents the first transaction information in response to the first transaction information from the first server side.

In operation S707, the first client transmits a first transaction instruction for the first transaction information to the first server side in response to the first user operation.

In operation S709, the first server side responds to the first transaction instruction and transfers funds of the first account corresponding to the cash withdrawal amount in the first transaction information to the second account, so that the second user can pay the cash related to the cash withdrawal amount in the first transaction information to the first user, wherein the first account is an account of the first user, and the second account is an account of the second user.

According to the cash withdrawing method provided by the embodiment of the disclosure, on one hand, customers can conveniently withdraw cash, and the usability of the customers is improved. If the mobile terminal of the mobile phone is installed, the mobile terminal can be operated on the mobile terminal, so that the operation of picking up the cash by the customer is greatly facilitated, the usability experience of the customer is effectively improved, and the public praise of the overseas branch is improved.

In one aspect, drainage may be provided for banking retail businesses. In the related technology, users can only go to the website or get the cash out by ATM, the complicated getting-out process is not beneficial to the popularization of retail business, especially the problem that overseas branches widely compete with financial institutions such as local large banks and the like in the environment is strong, and in addition, the problem of compliance of local supervision is solved, the retail business is not easy to popularize, has limited forms and has very little effect. By cooperation with a third party and off-line merchants, the automatic power-assisted retail popularization of the branch is better, the automatic power-assisted retail popularization has a drainage effect on the retail business of banks, and a certain competitiveness is improved for the retail of the overseas branch.

On one hand, the bank withdrawal channel is expanded, and another brand new withdrawal channel is provided for the overseas branches except the use of cards and passbooks to the branch counter or the ATM site withdrawal, so that the withdrawal channels of the overseas branches are enriched.

On one hand, the retail operation cost is greatly reduced, compared with the traditional method of increasing branch counter network points or line type and off-line type ATM network points, the retail operation cost can be effectively reduced, the expenses of site renting and operation and maintenance equipment and the like are avoided, and the off-line branch revenue is effectively increased.

Fig. 8 schematically illustrates a block diagram of a cash withdrawal device in accordance with an embodiment of the present disclosure.

As shown in fig. 8, the cash withdrawal device 800 in the first server side may include: a transaction information determination module 810, a transaction information transmission module 820, and a funds transfer module 830.

The transaction information determining module 810 is configured to determine, in response to a first transaction identifier from a first client, first transaction information corresponding to the first transaction identifier based on a mapping relationship between the first transaction identifier and the transaction information, where the first transaction identifier is determined by the first client based on a call flag from a second client, and the call flag includes the first transaction identifier generated by the first server.

The transaction information sending module 820 is configured to send the first transaction information to the first client, so that the first client displays the first transaction information.

The funds transfer module 830 is configured to transfer funds corresponding to the amount of cash withdrawal in the first transaction information to a second account in response to a first transaction instruction for the first transaction information from the first client, so that the second user pays cash related to the amount of cash withdrawal in the first transaction information to the first user, the first account being an account of the first user, the second account being an account of the second user.

Fig. 9 schematically illustrates a block diagram of a cash withdrawal device in accordance with another embodiment of the present disclosure.

As shown in fig. 9, the cash withdrawal device 900 in the first client may include: a transaction identification transmission module 910, a transaction information presentation module 920, and a transaction instruction transmission module 930.

The transaction identifier sending module 910 is configured to send, in response to a call identifier from the second client, a first transaction identifier to the first server, so that the first server determines, based on a mapping relationship, first transaction information corresponding to the first transaction identifier, where the call identifier includes the first transaction identifier generated by the first server, and the mapping relationship is a relationship between the transaction identifier and the transaction information.

The transaction information display module 920 is configured to display the first transaction information in response to the first transaction information from the first server.

The transaction instruction sending module 930 is configured to send, in response to the first user operation, a first transaction instruction for the first transaction information to the first server, so that the first server transfers funds corresponding to the cash withdrawal amount in the first transaction information to the second account, so that the second user can pay the cash related to the cash withdrawal amount in the first transaction information to the first user, where the first account is an account of the first user, and the second account is an account of the second user.

FIG. 10 schematically illustrates a schematic diagram of a cash withdrawal system in accordance with an embodiment of the present disclosure.

As shown in fig. 10, the cash withdrawal system may include: a first client (e.g., a mobile banking client), a DSF application server, an API platform, a third party application server, and a second client (e.g., a third party mobile client). The DSF application server and the API platform together form a first server side, and the third party application server serves as a second server side. The first server side and the second server side are in communication connection, for example, information interaction can be achieved through an interface called mutually. The first client and the second client may be installed on the same terminal device. Furthermore, the plurality of terminal devices may be respectively provided with a first client and/or a second client. The first client and the second client installed on the same terminal device can directly interact with each other, such as wake-up, information transmission and the like. It should be noted that, the above-mentioned components of the first server are only exemplary, and may further include components such as a host.

FIG. 11 schematically illustrates a flow chart of a cash withdrawal method performed by a cash withdrawal system in accordance with an embodiment of the present disclosure.

As shown in fig. 11, the cash withdrawal method may include the following operations.

In one embodiment, the transaction request may be initiated through a third party background API Service, invoking DSF (Distributed Service Framework ) Service A (i.e., service A) through the bank's API platform. The transaction request contains transaction information (such as transaction amount, currency, time, cash withdrawal place, etc.) and a unique primary key (Third PK) on the Third party side of the transaction.

In one embodiment, the third party API calls the service a of the first server based on the correspondence a, and according to the information transmitted from the third party API, firstly, the third party API searches the transaction information table to determine whether the transaction information table already exists or not, and if not, creates a bank end PK (main key code of the bank) for uniquely marking the transaction at one side of the bank, stores the transaction information transmitted from the third party API in the transaction information table, and returns the created bank end PK.

In one embodiment, after the first user arrives at the reserved cash withdrawal place to initiate cash withdrawal, the corresponding bank cash withdrawal is selected, and then the mobile client of the mobile phone of the bank is evoked and jumped to from the third party application.

In one embodiment, the third party application scans and analyzes the two-dimensional code to obtain a call sign, sends the call sign (which may include the first transaction identifier) to the mobile phone bank to wake up the mobile phone bank, and enters a login transaction of the mobile phone bank, after login, in order to enhance security, strong authentication of short message authentication is required, and after verifying the identity of a customer, the call sign is routed to the transfer transaction.

In one embodiment, in the transfer transaction of the client of the bank, the first client may call an interface (Service C) in the DSF Service according to the bank PK and a Third party (Third) PK as parameters to obtain transaction information, and send the transaction information to the mobile banking to display to the page for confirmation by the client.

In one embodiment, after the first user selects the deduction account, the transaction confirmation page is entered, the first user inputs the transaction password, and the first server (such as a bank background transfer deduction host) is called to perform the transfer transaction.

In one embodiment, after the transfer is successful, an update branch of Service C may be invoked to update the transaction status of the transaction in the transaction information table of the first server.

In one embodiment, a Third party application background API interface may be invoked at the first server, and the bank end PK and the Third PK are used as identifiers to be pushed to the Third party application background API along with the transaction result.

In one embodiment, the results of success or failure of the transaction may be presented to the customer on the page jumped back from the first client by the third party application based on the obtained results.

In one embodiment, the first server side provides an external interface for the second server side (e.g., the third party application background API) to call in order to query the transaction status of a given transaction using the PK of the banking side.

Any number of modules, sub-modules, units, sub-units, or at least some of the functionality of any number of the sub-units according to embodiments of the present disclosure may be implemented in one module. Any one or more of the modules, sub-modules, units, sub-units according to embodiments of the present disclosure may be implemented as split into multiple modules. Any one or more of the modules, sub-modules, units, sub-units according to embodiments of the present disclosure may be implemented at least in part as a hardware circuit, such as a Field Programmable Gate Array (FPGA), a Programmable Logic Array (PLA), a system-on-chip, a system-on-substrate, a system-on-package, an Application Specific Integrated Circuit (ASIC), or in any other reasonable manner of hardware or firmware that integrates or encapsulates the circuit, or in any one of or a suitable combination of three of software, hardware, and firmware. Alternatively, one or more of the modules, sub-modules, units, sub-units according to embodiments of the present disclosure may be at least partially implemented as computer program modules, which when executed, may perform the corresponding functions.

For example, any of the transaction information determination module 810, the transaction information transmission module 820, and the funds transfer module 830 may be combined in one module/unit/sub-unit, or at least one of the transaction information determination module 810, the transaction information transmission module 820, and the funds transfer module 830 may be at least partially implemented as a computer program module, which when executed, may perform the corresponding functions.

Note that, in the embodiment of the present disclosure, the cash extraction device portion corresponds to the cash extraction method portion in the embodiment of the present disclosure, and the description of the cash extraction device portion specifically refers to the cash extraction method portion and is not described herein.

Fig. 12 schematically illustrates a block diagram of a computer system suitable for implementing the cash withdrawal method described above, in accordance with an embodiment of the present disclosure. The computer system illustrated in fig. 12 is merely an example, and should not be construed as limiting the functionality and scope of use of the embodiments of the present disclosure.

As shown in fig. 12, a computer system 1200 according to an embodiment of the present disclosure includes a processor 1201 which can perform various appropriate actions and processes according to a program stored in a Read Only Memory (ROM) 1202 or a program loaded from a storage section 1208 into a Random Access Memory (RAM) 1203. The processor 1201 may include, for example, a general purpose microprocessor (e.g., a CPU), an instruction set processor and/or an associated chipset and/or special purpose microprocessor (e.g., an Application Specific Integrated Circuit (ASIC)), or the like. The processor 1201 may include a single processing unit or multiple processing units for performing the different actions of the method flows according to embodiments of the disclosure.

In the RAM 1203, various programs and data required for the operation of the system 1200 are stored. The processor 1201, the ROM 1202, and the RAM 1203 are connected to each other through a bus 1204. The processor 1201 performs various operations of the method flow according to the embodiments of the present disclosure by executing programs in the ROM 1202 and/or RAM 1203.

According to an embodiment of the disclosure, the system 1200 may also include an input/output (I/O) interface 1205, the input/output (I/O) interface 1205 also being connected to the bus 1204. The system 1200 may also include one or more of the following components connected to the I/O interface 1205: an input section 1206 including a keyboard, a mouse, and the like, and an output section 1207 including a speaker, and the like; a storage section 1208 including a hard disk or the like; and a communication section 1209 including a network interface card. The communication section 1209 performs communication processing via a network such as the internet. The drive 1210 is also connected to the I/O interface 1205 as needed. Removable media 1211 is installed on drive 1210 as needed so that a computer program read therefrom is installed into storage section 1208 as needed.

The present disclosure also provides a computer-readable storage medium that may be embodied in the apparatus/device/system described in the above embodiments; or may exist alone without being assembled into the apparatus/device/system. The computer-readable storage medium carries one or more programs which, when executed, implement methods in accordance with embodiments of the present disclosure.

According to embodiments of the present disclosure, the computer-readable storage medium may be a non-volatile computer-readable storage medium. Examples may include, but are not limited to: a portable computer diskette, a hard disk, a Random Access Memory (RAM), a read-only memory (ROM), an erasable programmable read-only memory (EPROM or flash memory), a portable compact disc read-only memory (CD-ROM), an optical storage device, a magnetic storage device, or any suitable combination of the foregoing. In the context of this disclosure, a computer-readable storage medium may be any tangible medium that can contain, or store a program for use by or in connection with an instruction execution system, apparatus, or device.

Those skilled in the art will appreciate that the features recited in the various embodiments of the disclosure and/or in the claims may be combined in various combinations and/or combinations, even if such combinations or combinations are not explicitly recited in the disclosure. In particular, the features recited in the various embodiments of the present disclosure and/or the claims may be variously combined and/or combined without departing from the spirit and teachings of the present disclosure. All such combinations and/or combinations fall within the scope of the present disclosure.

The embodiments of the present disclosure are described above. However, these examples are for illustrative purposes only and are not intended to limit the scope of the present disclosure. Although the embodiments are described above separately, this does not mean that the measures in the embodiments cannot be used advantageously in combination. The scope of the disclosure is defined by the appended claims and equivalents thereof. Various alternatives and modifications can be made by those skilled in the art without departing from the scope of the disclosure, and such alternatives and modifications are intended to fall within the scope of the disclosure.

Claims

1. A cash withdrawal method performed by a first server side, comprising:

receiving a transaction request from a second server, wherein the transaction request comprises a second transaction identifier and first transaction information corresponding to the second transaction identifier, and the first transaction information is sent to the second server by a second client after the first user selects a second user providing a cash withdrawal service through the second client; the second client side is served by the second server side; the first transaction information is a cash-out task for transferring the amount of cash required to be taken out to a second account, wherein the second account is an account of the second user;

Generating a first transaction identifier corresponding to the first transaction information, wherein the first transaction identifier is an identifier for uniquely marking the first transaction information;

transmitting the first transaction identifier to the second server side;

determining, in response to a first transaction identity from a first client, first transaction information corresponding to the first transaction identity based on a mapping relationship between the transaction identity and the transaction information, wherein the first transaction identity is determined by the first client based on a call flag from a second client, the call flag including the first transaction identity generated by the first server;

transmitting the first transaction information to the first client so that the first client displays the first transaction information; and

transferring funds of a first account corresponding to the cash withdrawal amount in the first transaction information to the second account in response to a first transaction instruction for the first transaction information from the first client so that the second user withdraws cash related to the cash withdrawal amount in the first transaction information from cash owned by the second user to pay the first user; wherein the first account is an account of the first user.

2. The method of claim 1, further comprising: after said sending said first transaction identification to said second server side,

receiving a transaction information inquiry request from the second server side, wherein the transaction information inquiry request comprises the first transaction identifier;

determining first transaction information corresponding to the first transaction identifier based on the mapping relation; and

and transmitting at least one of first transaction information corresponding to the first transaction identifier and transaction state corresponding to the first transaction information to the second server side.

3. The method of claim 1, further comprising: prior to receiving the first transaction identification from the first client,

determining and outputting a first authentication result in response to user login authentication information of a first user from a first client, wherein the user login authentication information is login authentication information input by the first user after the first client operates in response to a call sign from a second client;

and sending the first authentication result to the first client so that the first client responds that the first authentication result is passed and sends the first transaction identification to the first server.

4. A method according to claim 3, further comprising:

if the first authentication result is passed, a message authentication code is sent to the authentication electronic equipment of the first user so that the authentication electronic equipment displays the message authentication code;

receiving the message authentication code from the first client to authenticate the user to obtain a second authentication result;

the sending the first transaction information to the first client includes: and if the first authentication result and the second authentication result are passed, the first transaction information is sent to the first client.

5. The method of claim 1, wherein the transaction information comprises: cash withdrawal amount and currency, at least one of: cash withdrawal time and cash withdrawal location.

6. The method according to claim 1, wherein:

the sending the first transaction information to the first client, so that the first client displays the first transaction information includes: transmitting the first transaction information and the account information of the first user to the first client so that the first user selects an account to be transferred from the account information of the first user; and

The transferring funds of the first account corresponding to the cash withdrawal amount in the first transaction information to the second account comprises: and transferring funds corresponding to the cash withdrawal amount of the first transaction information in the account to be transferred to the second account.

7. The method of claim 1, further comprising: after transferring funds of the first account corresponding to the cash withdrawal amount in the first transaction information to the second account,

transmitting a transaction result to the first client; and/or

And sending the transaction result to the second server side.

8. The method of claim 1, further comprising: after transferring funds of the first account corresponding to the cash withdrawal amount in the first transaction information to the second account,

in response to receiving a refund request from a second server, the refund request being initiated by a second client corresponding to the second server, the refund request including a first transaction identification;

determining first transaction information corresponding to the first transaction identifier based on the mapping relation;

and if the transaction result corresponding to the first transaction information is that the transaction is already carried out and the money is not refunded, transferring funds of the second user corresponding to the cash withdrawal amount in the first transaction information to the first user.

9. A cash withdrawal method performed by a first client, comprising:

transmitting a first transaction identifier to a first server side in response to a call sign from a second client side, so that the first server side determines first transaction information corresponding to the first transaction identifier based on a mapping relation, wherein the call sign comprises the first transaction identifier generated by the first server side, and the mapping relation is a relation between the transaction identifier and the transaction information; the first transaction information is a cash taking task for transferring the amount of cash to be taken into a second account, wherein the second account is an account of a second user; the first server side further performs the following operations before determining first transaction information corresponding to the first transaction identifier based on the mapping relationship: receiving a transaction request from a second server, wherein the transaction request comprises a second transaction identifier and first transaction information corresponding to the second transaction identifier, and the first transaction information is sent to the second server by a second client after the first user selects the second user providing a cash withdrawal service through the second client; the second client side is served by the second server side; generating the first transaction identifier corresponding to the first transaction information, wherein the first transaction identifier is an identifier for uniquely marking the first transaction information; and sending the first transaction identifier to the second server side;

Responding to the first transaction information from the first server side, and displaying the first transaction information; and

and responding to a first user operation, sending a first transaction instruction aiming at the first transaction information to the first server side, so that the first server side transfers funds of a first account corresponding to the cash withdrawal amount in the first transaction information to the second account, and the second user can conveniently withdraw cash related to the cash withdrawal amount in the first transaction information from cash owned by the second user to pay the first user, wherein the first account is an account of the first user.

10. The method of claim 9, further comprising: before said sending the first transaction identification to the first server side,

the user login authentication information of the first user is sent to the first server side, so that the first server side carries out user login authentication, and a first authentication result is determined and output; and

and transmitting the first transaction identification to the first server in response to the first authentication result from the first server being passed.

11. The method of claim 10, further comprising: before said sending the first transaction identification to said first server side,

Receiving a message authentication code, wherein the message authentication code is sent to authentication electronic equipment of the first user by the first server side so as to be displayed by the authentication electronic equipment;

the message authentication code is sent to the first server side to authenticate the first user, and a second authentication result is obtained; and

the sending the first transaction identifier to the first server side includes: and if the first authentication result and the second authentication result are passed, the first transaction identifier is sent to the first server side.

12. The method of claim 9, wherein the first transaction information comprises: cash withdrawal amount and currency, at least one of: cash withdrawal time and cash withdrawal location.

13. The method according to claim 9, wherein:

the responding to the first transaction information from the first server side, the displaying the first transaction information comprises: displaying the first transaction information and the account information of the first user so that the first user can determine an account to be transferred out from the account information of the first user; and

the responding to the first user operation, and sending the first transaction instruction aiming at the first transaction information to the first server side comprises the following steps: and sending a first transaction instruction aiming at the first transaction information and the account to be transferred to the first server side.

14. The method of claim 9, further comprising: after the first transaction instruction for the first transaction information is sent to the first server side in response to the first user operation, at least one of the following operations is performed,

responding to the transaction result from the first server side, and displaying the transaction result;

if the transaction result is failure, jumping to a display interface of the second client; and

and sending the transaction result to a second server side.

15. A cash withdrawal method performed by a cash withdrawal system including a first client and a first server, the method comprising:

the first server side executes:

receiving a transaction request from a second server, wherein the transaction request comprises a second transaction identifier and first transaction information corresponding to the second transaction identifier,

the first transaction information is sent to a second server side by a second client side after a first user selects a second user providing a cash taking service through the second client side, wherein the second client side provides service by the second server side;

The first transaction information is a cash-out task for transferring the amount of cash required to be taken out to a second account, wherein the second account is an account of the second user;

transmitting the first transaction identifier to the second server side;

the first client responds to a call sign from a second client, and sends a first transaction identification to the first server, wherein the call sign comprises a first transaction identification generated by the first server;

the first server responds to a first transaction identifier from the first client and determines first transaction information corresponding to the first transaction identifier based on a mapping relation, wherein the mapping relation is a relation between the transaction identifier and the transaction information;

the first client side responds to the first transaction information from the first server side and displays the first transaction information;

the first client responds to a first user operation and sends a first transaction instruction aiming at the first transaction information to the first server; and

And the first server side responds to the first transaction instruction, and transfers funds of a first account corresponding to the cash withdrawal amount in the first transaction information to the second account, so that a second user can conveniently take out cash related to the cash withdrawal amount in the first transaction information from cash owned by the second user and pay the cash to the first user, and the first account is an account of the first user.

16. A cash withdrawal device in a first server, comprising:

a transaction information determining module for:

Transmitting the first transaction identifier to the second server side; and

the transaction information sending module is used for sending the first transaction information to the first client so that the first client can display the first transaction information; and

and the fund transfer module is used for responding to a first transaction instruction from the first client side aiming at the first transaction information, transferring funds of a first account corresponding to the cash withdrawal amount in the first transaction information to the second account so that the second user can withdraw cash related to the cash withdrawal amount in the first transaction information from cash owned by the second user to pay the first user, and the first account is an account of the first user.

17. A cash withdrawal device in a first client, comprising:

the transaction identifier sending module is used for responding to a call identifier from the second client side and sending a first transaction identifier to the first server side so that the first server side can determine first transaction information corresponding to the first transaction identifier based on a mapping relation, the call identifier comprises the first transaction identifier generated by the first server side, and the mapping relation is a relation between the transaction identifier and the transaction information; the first transaction information is a cash taking task for transferring the amount of cash to be taken into a second account, wherein the second account is an account of a second user; the first server side further performs the following operations before determining first transaction information corresponding to the first transaction identifier based on the mapping relationship: receiving a transaction request from a second server, wherein the transaction request comprises a second transaction identifier and first transaction information corresponding to the second transaction identifier, and the first transaction information is sent to the second server by a second client after a first user selects the second user providing a cash withdrawal service through the second client, wherein the second client is served by the second server; generating a first transaction identifier corresponding to the first transaction information, wherein the first transaction identifier is an identifier for uniquely marking the first transaction information; and sending the first transaction identifier to the second server side;

The transaction information display module is used for responding to the first transaction information from the first server side and displaying the first transaction information; and

and the transaction instruction sending module is used for responding to the operation of the first user and sending a first transaction instruction aiming at the first transaction information to the first server side so that the first server side transfers funds of a first account corresponding to the cash withdrawal amount in the first transaction information to a second account, so that the second user can conveniently take out cash related to the cash withdrawal amount in the first transaction information from cash owned by the second user and pay the cash to the first user, and the first account is an account of the first user.

18. An electronic device, comprising:

one or more processors; a memory for storing one or more instructions that, when executed by the one or more processors, cause the one or more processors to implement the method of any of claims 1 to 8.

19. An electronic device, comprising:

one or more processors; a memory for storing one or more instructions that, when executed by the one or more processors, cause the one or more processors to implement the method of any of claims 9 to 14.