CN113487308A - Bank terminal deposit system and method based on block chain - Google Patents
Bank terminal deposit system and method based on block chain Download PDFInfo
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Abstract
The invention provides a bank terminal deposit system and method based on a block chain, which can be used in the technical field of the block chain, and the system comprises: the bank terminal is used for receiving a deposit request of a client and generating network disconnection prompt information when determining that the bank terminal and the bank server are disconnected; after establishing a communication link with a mobile phone bank of a client, acquiring client information; according to the deposit request and the acquired customer information, deposit risk prediction is carried out, and the maximum value of the amount of deposit of the customer is determined; generating cash input prompt information; when a customer puts cash into a bank terminal, cash check is carried out; generating a deposit transaction result according to the cash check result and the account information of the customer, and feeding back the deposit transaction result to a mobile phone bank of the customer; the mobile phone bank is used for sending a deposit transaction result to the bank server and the block chain; and the bank server is used for carrying out financial processing according to the deposit transaction result. The invention can realize deposit under the condition that the bank terminal has no network.
Description
Technical Field
The invention relates to the technical field of block chains, in particular to a bank terminal deposit system and a bank terminal deposit method based on a block chain.
Background
In the current process, if a customer wants to deposit cash in hand into a bank, the customer needs to go to a bank counter or an online bank cash terminal device to charge the cash into a corresponding bank account. Under the condition that the bank cash terminal equipment has no network, the customer can not store the cash in hand into the bank through the bank cash terminal equipment.
Disclosure of Invention
The embodiment of the invention provides a bank terminal deposit system based on a block chain, which is used for realizing deposit under the condition that a bank terminal has no network and comprises the following components:
the system comprises a mobile phone bank, a bank terminal and a bank server, wherein the bank terminal is not in network connection with the bank server;
the bank terminal is used for receiving a deposit request of a client and generating network disconnection prompt information when the bank terminal and the bank server are determined to be disconnected from the network, and the network disconnection prompt information is used for reminding the client to establish a communication link between a mobile phone bank and the bank terminal; after establishing a communication link with a mobile phone bank of a customer, acquiring customer information stored by the mobile phone bank of the customer; according to the deposit request and the acquired customer information, deposit risk prediction is carried out, and the maximum value of the amount of deposit of the customer is determined; generating cash input prompt information, wherein the cash input prompt information is used for reminding a client of the maximum deposit amount; when the customer puts cash into the bank terminal according to the cash putting prompt information, cash inspection is carried out; generating a deposit transaction result according to the cash check result and the account information of the client, and feeding the deposit transaction result back to the mobile phone bank of the client;
the mobile phone bank is used for sending a deposit transaction result to a bank server and a block chain, and the bank server is a node on the block chain;
and the bank server is used for carrying out financial processing according to the deposit transaction result.
The embodiment of the invention provides a bank terminal deposit method based on a block chain, which is used for realizing deposit under the condition that a bank terminal has no network and comprises the following steps:
receiving a deposit request of a client;
when the bank terminal and the bank server are determined to be disconnected, network disconnection prompt information is generated and used for reminding a customer to establish a communication link between a mobile phone bank and the bank terminal;
after establishing a communication link with a mobile phone bank of a customer, acquiring customer information stored by the mobile phone bank of the customer;
according to the deposit request and the acquired customer information, deposit risk prediction is carried out, and the maximum value of the amount of deposit of the customer is determined;
generating cash input prompt information, wherein the cash input prompt information is used for reminding a client of the maximum deposit amount;
when the customer puts cash into the bank terminal according to the cash putting prompt information, cash inspection is carried out;
generating a deposit transaction result according to the cash check result and the account information of the client, and feeding the deposit transaction result back to the mobile phone bank of the client; the mobile phone bank sends a deposit transaction result to a bank server and a block chain, the bank server is a node on the block chain, and the bank server carries out financial processing according to the deposit transaction result.
The embodiment of the invention also provides computer equipment which comprises a memory, a processor and a computer program which is stored on the memory and can run on the processor, wherein the processor realizes the bank terminal deposit method based on the block chain when executing the computer program.
The embodiment of the invention also provides a computer readable storage medium, and the computer readable storage medium stores a computer program for executing the bank terminal deposit method based on the block chain.
In the embodiment of the invention, the mobile phone bank, the bank terminal and the bank server are provided, wherein the bank terminal is not connected with the bank server through a network; the bank terminal is used for receiving a deposit request of a client and generating network disconnection prompt information when the bank terminal and the bank server are determined to be disconnected from the network, and the network disconnection prompt information is used for reminding the client to establish a communication link between a mobile phone bank and the bank terminal; after establishing a communication link with a mobile phone bank of a customer, acquiring customer information stored by the mobile phone bank of the customer; according to the deposit request and the acquired customer information, deposit risk prediction is carried out, and the maximum value of the amount of deposit of the customer is determined; generating cash input prompt information, wherein the cash input prompt information is used for reminding a client of the maximum deposit amount; when the customer puts cash into the bank terminal according to the cash putting prompt information, cash inspection is carried out; generating a deposit transaction result according to the cash check result and the account information of the client, and feeding the deposit transaction result back to the mobile phone bank of the client; the mobile phone bank is used for sending a deposit transaction result to a bank server and a block chain, and the bank server is a node on the block chain; and the bank server is used for carrying out financial processing according to the deposit transaction result. In the process, when the bank terminal has no network, the cash can be stored in the bank terminal by means of the mobile phone bank, and the risk prediction and the cash check are carried out in the process, so that the safety of deposit transaction is ensured.
Drawings
In order to more clearly illustrate the embodiments of the present invention or the technical solutions in the prior art, the drawings used in the description of the embodiments or the prior art will be briefly described below, it is obvious that the drawings in the following description are only some embodiments of the present invention, and for those skilled in the art, other drawings can be obtained according to the drawings without creative efforts. In the drawings:
FIG. 1 is a schematic diagram of a bank terminal deposit system based on a block chain in an embodiment of the invention;
FIG. 2 is a schematic diagram of a bank terminal deposit system based on a block chain in the embodiment of the invention;
FIG. 3 is a flowchart of a bank terminal deposit method based on a block chain according to an embodiment of the present invention;
FIG. 4 is a flow chart of associating customer deposits in an embodiment of the present invention;
FIG. 5 is a flow chart of resource allocation in an embodiment of the present invention;
FIG. 6 is a diagram of a computer device in an embodiment of the invention.
Detailed Description
In order to make the objects, technical solutions and advantages of the embodiments of the present invention more apparent, the embodiments of the present invention are further described in detail below with reference to the accompanying drawings. The exemplary embodiments and descriptions of the present invention are provided to explain the present invention, but not to limit the present invention.
In the description of the present specification, the terms "comprising," "including," "having," "containing," and the like are used in an open-ended fashion, i.e., to mean including, but not limited to. Reference to the description of the terms "one embodiment," "a particular embodiment," "some embodiments," "for example," etc., means that a particular feature, structure, or characteristic described in connection with the embodiment or example is included in at least one embodiment or example of the application. In this specification, the schematic representations of the terms used above do not necessarily refer to the same embodiment or example. Furthermore, the particular features, structures, or characteristics described may be combined in any suitable manner in any one or more embodiments or examples. The sequence of steps involved in the embodiments is for illustrative purposes to illustrate the implementation of the present application, and the sequence of steps is not limited and can be adjusted as needed.
Fig. 1 is a schematic diagram of a bank terminal deposit system based on a block chain in an embodiment of the present invention, as shown in fig. 1, the system includes: the system comprises a mobile phone bank 101, a bank terminal 102 and a bank server 103, wherein the bank terminal 102 is not in network connection with the bank server 103;
the bank terminal 102 is used for receiving a deposit request of a client, and generating network disconnection prompt information when the bank terminal and the bank server are determined to be disconnected from the network, wherein the network disconnection prompt information is used for prompting the client to establish a communication link between a mobile phone bank and the bank terminal; after establishing a communication link with a mobile phone bank of a customer, acquiring customer information stored by the mobile phone bank of the customer; according to the deposit request and the acquired customer information, deposit risk prediction is carried out, and the maximum value of the amount of deposit of the customer is determined; generating cash input prompt information, wherein the cash input prompt information is used for reminding a client of the maximum deposit amount; when the customer puts cash into the bank terminal according to the cash putting prompt information, cash inspection is carried out; generating a deposit transaction result according to the cash check result and the account information of the client, and feeding the deposit transaction result back to the mobile phone bank of the client;
the mobile phone bank 101 is used for sending deposit transaction results to a bank server and a block chain, wherein the bank server is a node on the block chain;
and the bank server 103 is used for performing accounting processing according to the deposit transaction result.
The bank mainly manages the currency, risks encountered during business development are ubiquitous, and the risks must be considered in each link of business handling, which is the particularity of banking business. In the embodiment, when the bank terminal has no network, the cash can be stored in the bank terminal by means of the mobile phone bank, and the risk prediction and the cash check are performed in the process, so that the risk of deposit transaction is reduced.
In specific implementation, the customer information includes a customer account number, customer identity information and an institution where the account number is located. The deposit transaction result includes the number of the bank terminal (cash intelligent terminal), the storage time, the storage amount, the account number of the deposit client, the deposit and the like.
In a specific implementation, the block chain has a plurality of bank end nodes, for example, each ATM can join the block chain to form a bank end node. The blockchain also has a plurality of bank server nodes, including different bank server nodes.
In specific implementation, the bank terminal may perform the customer identity audit based on the customer identity information stored in the bank terminal node, and specifically includes: based on the customer identity information stored in the bank terminal node, at least one of the following methods is adopted for verifying the customer identity: a face recognition method, a fingerprint recognition method and a voice recognition method. Of course, it should be understood that there may be other methods for verifying the identity, and all the related modifications should fall within the scope of the present invention.
In the cash check, the authenticity and the amount of cash can be checked. In addition, when the bank terminal is networked, the bank terminal downloads the customer identity information, the customer transaction information and the customer transaction limiting conditions of the customer from the blockchain and stores the customer identity information, the customer transaction information and the customer transaction limiting conditions to the bank terminal node; and uploading the deposit transaction result on the bank terminal node to the block chain.
And the bank terminal uploads deposit transaction results on the bank terminal nodes to the block chain, and the deposit transaction results are transmitted to a database of a bank background as customer transaction information and are subjected to subsequent financial processing.
Fig. 2 is a schematic diagram of a bank terminal deposit system of a block chain in an embodiment of the invention, wherein the bank terminal deposit system based on the block chain comprises a communication module; when the bank terminal and the mobile phone bank establish a communication link, the mobile phone where the mobile phone bank is located is also provided with a communication module through the communication module. The communication module may be an NFC Device, a D2D (Device to Device) communication model, or the like.
In one embodiment, the bank terminal is further configured to:
if the mechanism where the account in the client deposit request is located and the mechanism where the bank terminal is located are not the same mechanism, when the bank terminal and the bank server recover communication, the generated deposit transaction result is sent to the bank server and the block chain;
the bank server is further configured to: and performing financial processing based on the deposit transaction result uploaded by the mobile phone bank and the deposit transaction result uploaded by the bank terminal.
Specifically, when the institution where the account in the client deposit request is located and the institution where the bank terminal is located are not the same institution, there may be a risk of accounting processing due to data problems (e.g., one may intentionally tamper with data). The block chain can ensure the authenticity and reliability of data and can not be tampered. After the data are uploaded by the two channels simultaneously, the financial processing is carried out on the data based on the two channels, so that risks can be reduced.
In one embodiment, the bank terminal is further configured to:
encrypting a deposit transaction result by using a secret key preset to a bank terminal and feeding back the deposit transaction result to a mobile phone bank of a client;
cell phone banking is also used to: sending the encrypted deposit transaction result to a bank server and a block chain;
the bank server is further configured to: and decrypting the received deposit transaction result by using a key corresponding to a key preset to the bank terminal, and performing accounting processing.
Therefore, in the deposit transaction, lawless persons can be prevented from tampering with or acquiring secret information in the deposit transaction through mobile phones. The accounting process includes charging an account of the customer with an amount corresponding to the deposit transaction.
In one embodiment, the bank terminal is further configured to:
and when the cash check result shows that the counterfeit money exists, generating prompting information of the existence of the counterfeit money.
The counterfeit money prompting information is displayed to a customer through a screen of the bank terminal.
In one embodiment, the cell phone bank is further configured to: acquiring a relevant client of the client based on the client relation knowledge graph;
the bank terminal is also used for: after a communication link is established with a mobile phone bank of a customer, an account of the customer related to the customer is obtained; after receiving a deposit request of a client, generating a deposit account selection list; obtaining an associated customer account selected by the customer from the deposit account selection list; according to the associated account of the client, carrying out deposit risk prediction and determining the maximum value of the deposit amount; generating cash input prompt information, wherein the cash input prompt information is used for reminding a client of the maximum deposit amount; when the customer puts cash into the bank terminal according to the cash putting prompt information, cash inspection is carried out; generating a related deposit transaction result according to the cash check result and a related account of the client;
the bank server is further configured to: the associated deposit transaction results are fed back to the associated customer.
Specifically, for example, the client is a father, and the associated client is a son, so that the father can deposit money for the son's account by using a mobile phone bank of the father, which is in real demand. The embodiment is based on the knowledge graph, finds and meets the actual requirements of customers, and meanwhile can ensure controllable risks.
In one embodiment, the bank terminal is further configured to:
predicting the deposit time and deposit place of the client according to the historical transaction data of the client;
predicting a bank terminal corresponding to deposit transaction and required data according to the predicted deposit time and deposit place of the client;
when the bank terminal is networked, the data required by the bank terminal is downloaded to the bank terminal from the bank server.
In the above embodiment, the demand of the deposit transaction of the customer is predicted based on the history data, and the required data is downloaded to the predicted bank terminal in advance. This ensures that the bank terminal has sufficient data and resources to process the customer's deposit transaction when the bank terminal is not networked. Meanwhile, data interaction of deposit transaction can be reduced, and more levels of identity verification can be performed based on downloaded data, so that risks can be reduced.
Specifically, the face or fingerprint information of the customer and the account number of the customer are downloaded to the predicted bank terminal in advance. When a client deposits at the predicted bank terminal (the bank terminal is just in a network-free state), the face recognition can be directly carried out, then deposit transaction is carried out based on an account number downloaded to the bank terminal in advance, and then when the bank terminal is networked, a deposit transaction result is uploaded to a bank server and a block chain so as to carry out financial processing. The method can meet the requirement that the client can carry out deposit transaction without carrying a mobile phone.
In summary, in the system provided in the embodiment of the present invention, the bank terminal is configured to receive a deposit request of a client, and generate an offline prompt message when it is determined that the bank terminal and the bank server are disconnected from the network, where the offline prompt message is used to prompt the client to establish a communication link between a mobile phone bank and the bank terminal; after establishing a communication link with a mobile phone bank of a customer, acquiring customer information stored by the mobile phone bank of the customer; according to the deposit request and the acquired customer information, deposit risk prediction is carried out, and the maximum value of the amount of deposit of the customer is determined; generating cash input prompt information, wherein the cash input prompt information is used for reminding a client of the maximum deposit amount; when the customer puts cash into the bank terminal according to the cash putting prompt information, cash inspection is carried out; generating a deposit transaction result according to the cash check result and the account information of the client, and feeding the deposit transaction result back to the mobile phone bank of the client; the mobile phone bank is used for sending a deposit transaction result to a bank server and a block chain, and the bank server is a node on the block chain; and the bank server is used for carrying out financial processing according to the deposit transaction result. In the process, when the bank terminal has no network, the cash can be stored in the bank terminal by means of the mobile phone bank, and the risk prediction and the cash check are carried out in the process, so that the safety of deposit transaction is ensured.
The embodiment of the invention also provides a bank terminal deposit method based on the block chain, the principle of which is similar to that of a bank terminal deposit system based on the block chain, and the detailed description is omitted.
Fig. 3 is a flowchart of a bank terminal deposit method based on a block chain in an embodiment of the present invention, as shown in fig. 3, including:
In an embodiment, the method further comprises: if the mechanism where the account in the client deposit request is located and the mechanism where the bank terminal is located are not the same mechanism, when the bank terminal and the bank server recover communication, the generated deposit transaction result is sent to the bank server and the block chain, and the bank server carries out account processing based on the deposit transaction result uploaded by the mobile phone bank and the deposit transaction result uploaded by the bank terminal.
In an embodiment, the method further comprises:
encrypting a deposit transaction result by using a secret key preset to a bank terminal and feeding back the deposit transaction result to a mobile phone bank of a client; and the mobile phone bank sends the encrypted deposit transaction result to the bank server and the block chain, and the bank server decrypts the received deposit transaction result by using a secret key corresponding to a secret key preset to the bank terminal and performs account processing.
In an embodiment, the method further comprises:
and when the cash check result shows that the counterfeit money exists, generating prompting information of the existence of the counterfeit money.
FIG. 4 is a flow chart of a deposit for an associated customer in an embodiment of the invention, as shown in FIG. 4, in an embodiment, the method further includes:
Fig. 5 is a flowchart of resource allocation in an embodiment of the present invention, as shown in fig. 5, in an embodiment, the method further includes:
In summary, in the method provided in the embodiment of the present invention, a deposit request of a customer is received; when the bank terminal and the bank server are determined to be disconnected, network disconnection prompt information is generated and used for reminding a customer to establish a communication link between a mobile phone bank and the bank terminal; after establishing a communication link with a mobile phone bank of a customer, acquiring customer information stored by the mobile phone bank of the customer; according to the deposit request and the acquired customer information, deposit risk prediction is carried out, and the maximum value of the amount of deposit of the customer is determined; generating cash input prompt information, wherein the cash input prompt information is used for reminding a client of the maximum deposit amount; when the customer puts cash into the bank terminal according to the cash putting prompt information, cash inspection is carried out; generating a deposit transaction result according to the cash check result and the account information of the client, and feeding the deposit transaction result back to the mobile phone bank of the client; the mobile phone bank sends a deposit transaction result to a bank server and a block chain, the bank server is a node on the block chain, and the bank server carries out financial processing according to the deposit transaction result. In the process, when the bank terminal has no network, the cash can be stored in the bank terminal by means of the mobile phone bank, and the risk prediction and the cash check are carried out in the process, so that the safety of deposit transaction is ensured.
An embodiment of the present invention further provides a computer device, and fig. 6 is a schematic diagram of the computer device in the embodiment of the present invention, where the computer device is capable of implementing all steps in the bank terminal deposit method based on the block chain in the embodiment, and the computer device specifically includes the following contents:
a processor (processor)601, a memory (memory)602, a communication Interface (Communications Interface)603, and a communication bus 604;
the processor 601, the memory 602 and the communication interface 603 complete mutual communication through the communication bus 604; the communication interface 603 is used for implementing information transmission among related devices such as server-side devices, detection devices, client-side devices and the like;
the processor 601 is used for calling a computer program in the memory 602, and when the processor executes the computer program, the processor implements all the steps in the bank terminal deposit method based on the blockchain in the above embodiment.
An embodiment of the present invention further provides a computer-readable storage medium, which can implement all the steps of the bank terminal deposit method based on the blockchain in the above-mentioned embodiment, and the computer-readable storage medium stores a computer program, and when the computer program is executed by a processor, the computer program implements all the steps of the bank terminal deposit method based on the blockchain in the above-mentioned embodiment.
As will be appreciated by one skilled in the art, embodiments of the present invention may be provided as a method, system, or computer program product. Accordingly, the present invention may take the form of an entirely hardware embodiment, an entirely software embodiment or an embodiment combining software and hardware aspects. Furthermore, the present invention may take the form of a computer program product embodied on one or more computer-usable storage media (including, but not limited to, disk storage, CD-ROM, optical storage, and the like) having computer-usable program code embodied therein.
The present invention is described with reference to flowchart illustrations and/or block diagrams of methods, apparatus (systems), and computer program products according to embodiments of the invention. It will be understood that each flow and/or block of the flow diagrams and/or block diagrams, and combinations of flows and/or blocks in the flow diagrams and/or block diagrams, can be implemented by computer program instructions. These computer program instructions may be provided to a processor of a general purpose computer, special purpose computer, embedded processor, or other programmable data processing apparatus to produce a machine, such that the instructions, which execute via the processor of the computer or other programmable data processing apparatus, create means for implementing the functions specified in the flowchart flow or flows and/or block diagram block or blocks.
These computer program instructions may also be stored in a computer-readable memory that can direct a computer or other programmable data processing apparatus to function in a particular manner, such that the instructions stored in the computer-readable memory produce an article of manufacture including instruction means which implement the function specified in the flowchart flow or flows and/or block diagram block or blocks.
These computer program instructions may also be loaded onto a computer or other programmable data processing apparatus to cause a series of operational steps to be performed on the computer or other programmable apparatus to produce a computer implemented process such that the instructions which execute on the computer or other programmable apparatus provide steps for implementing the functions specified in the flowchart flow or flows and/or block diagram block or blocks.
The above-mentioned embodiments are intended to illustrate the objects, technical solutions and advantages of the present invention in further detail, and it should be understood that the above-mentioned embodiments are only exemplary embodiments of the present invention, and are not intended to limit the scope of the present invention, and any modifications, equivalent substitutions, improvements and the like made within the spirit and principle of the present invention should be included in the scope of the present invention.
Claims (14)
1. A bank terminal deposit system based on a block chain is characterized by comprising: the system comprises a mobile phone bank, a bank terminal and a bank server, wherein the bank terminal is not in network connection with the bank server;
the bank terminal is used for receiving a deposit request of a client and generating network disconnection prompt information when the bank terminal and the bank server are determined to be disconnected from the network, and the network disconnection prompt information is used for reminding the client to establish a communication link between a mobile phone bank and the bank terminal; after establishing a communication link with a mobile phone bank of a customer, acquiring customer information stored by the mobile phone bank of the customer; according to the deposit request and the acquired customer information, deposit risk prediction is carried out, and the maximum value of the amount of deposit of the customer is determined; generating cash input prompt information, wherein the cash input prompt information is used for reminding a client of the maximum deposit amount; when the customer puts cash into the bank terminal according to the cash putting prompt information, cash inspection is carried out; generating a deposit transaction result according to the cash check result and the account information of the client, and feeding the deposit transaction result back to the mobile phone bank of the client;
the mobile phone bank is used for sending a deposit transaction result to a bank server and a block chain, and the bank server is a node on the block chain;
and the bank server is used for carrying out financial processing according to the deposit transaction result.
2. The blockchain-based bank terminal savings system of claim 1 wherein the bank terminal is further configured to:
if the mechanism where the account in the client deposit request is located and the mechanism where the bank terminal is located are not the same mechanism, when the bank terminal and the bank server recover communication, the generated deposit transaction result is sent to the bank server and the block chain;
the bank server is further configured to: and performing financial processing based on the deposit transaction result uploaded by the mobile phone bank and the deposit transaction result uploaded by the bank terminal.
3. The blockchain-based bank terminal savings system of claim 1 wherein the bank terminal is further configured to:
encrypting a deposit transaction result by using a secret key preset to a bank terminal and feeding back the deposit transaction result to a mobile phone bank of a client;
cell phone banking is also used to: sending the encrypted deposit transaction result to a bank server and a block chain;
the bank server is further configured to: and decrypting the received deposit transaction result by using a key corresponding to a key preset to the bank terminal, and performing accounting processing.
4. The blockchain-based bank terminal savings system of claim 1 wherein the bank terminal is further configured to:
and when the cash check result shows that the counterfeit money exists, generating prompting information of the existence of the counterfeit money.
5. The blockchain-based bank terminal deposit system of claim 1, wherein the cell phone bank is further configured to: acquiring a relevant client of the client based on the client relation knowledge graph;
the bank terminal is also used for: after a communication link is established with a mobile phone bank of a customer, an account of the customer related to the customer is obtained; after receiving a deposit request of a client, generating a deposit account selection list; obtaining an associated customer account selected by the customer from the deposit account selection list; according to the associated account of the client, carrying out deposit risk prediction and determining the maximum value of the deposit amount; generating cash input prompt information, wherein the cash input prompt information is used for reminding a client of the maximum deposit amount; when the customer puts cash into the bank terminal according to the cash putting prompt information, cash inspection is carried out; generating a related deposit transaction result according to the cash check result and a related account of the client;
the bank server is further configured to: the associated deposit transaction results are fed back to the associated customer.
6. The blockchain-based bank terminal savings system of claim 1 wherein the bank server is further configured to:
predicting the deposit time and deposit place of the client according to the historical transaction data of the client;
predicting a bank terminal corresponding to deposit transaction and required data according to the predicted deposit time and deposit place of the client;
when the bank terminal is networked, the data required by the bank terminal is downloaded to the bank terminal from the bank server.
7. A bank terminal deposit method based on a block chain is characterized by comprising the following steps:
receiving a deposit request of a client;
when the bank terminal and the bank server are determined to be disconnected, network disconnection prompt information is generated and used for reminding a customer to establish a communication link between a mobile phone bank and the bank terminal;
after establishing a communication link with a mobile phone bank of a customer, acquiring customer information stored by the mobile phone bank of the customer;
according to the deposit request and the acquired customer information, deposit risk prediction is carried out, and the maximum value of the amount of deposit of the customer is determined;
generating cash input prompt information, wherein the cash input prompt information is used for reminding a client of the maximum deposit amount;
when the customer puts cash into the bank terminal according to the cash putting prompt information, cash inspection is carried out;
generating a deposit transaction result according to the cash check result and the account information of the client, and feeding the deposit transaction result back to the mobile phone bank of the client; the mobile phone bank sends a deposit transaction result to a bank server and a block chain, the bank server is a node on the block chain, and the bank server carries out financial processing according to the deposit transaction result.
8. The blockchain-based banking terminal deposit method according to claim 7, further comprising:
if the mechanism where the account in the client deposit request is located and the mechanism where the bank terminal is located are not the same mechanism, when the bank terminal and the bank server recover communication, the generated deposit transaction result is sent to the bank server and the block chain, and the bank server carries out account processing based on the deposit transaction result uploaded by the mobile phone bank and the deposit transaction result uploaded by the bank terminal.
9. The blockchain-based banking terminal deposit method according to claim 7, further comprising:
encrypting a deposit transaction result by using a secret key preset to a bank terminal and feeding back the deposit transaction result to a mobile phone bank of a client; and the mobile phone bank sends the encrypted deposit transaction result to the bank server and the block chain, and the bank server decrypts the received deposit transaction result by using a secret key corresponding to a secret key preset to the bank terminal and performs account processing.
10. The blockchain-based banking terminal deposit method according to claim 7, further comprising:
and when the cash check result shows that the counterfeit money exists, generating prompting information of the existence of the counterfeit money.
11. The blockchain-based banking terminal deposit method according to claim 7, further comprising:
after a communication link is established with a mobile phone bank of a customer, acquiring a related customer account of the customer;
after receiving a deposit request of a client, generating a deposit account selection list;
obtaining an associated customer account selected by the customer from the deposit account selection list;
according to the associated account of the client, carrying out deposit risk prediction and determining the maximum value of the deposit amount;
generating cash input prompt information, wherein the cash input prompt information is used for reminding a client of the maximum deposit amount;
when the customer puts cash into the bank terminal according to the cash putting prompt information, cash inspection is carried out;
and generating a related deposit transaction result according to the cash check result and the related account of the client, and feeding back the related deposit transaction result to the related client.
12. The blockchain-based banking terminal deposit method according to claim 7, further comprising:
predicting the deposit time and deposit place of the client according to the historical transaction data of the client;
predicting a bank terminal corresponding to deposit transaction and required data according to the predicted deposit time and deposit place of the client;
when the bank terminal is networked, the data required by the bank terminal is downloaded to the bank terminal from the bank server.
13. A computer device comprising a memory, a processor and a computer program stored on the memory and executable on the processor, characterized in that the processor implements the method of any of claims 7 to 12 when executing the computer program.
14. A computer-readable storage medium, characterized in that the computer-readable storage medium stores a computer program for executing the method of any one of claims 7 to 12.
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