CN113963495A

CN113963495A - Withdrawal method and apparatus

Info

Publication number: CN113963495A
Application number: CN202111289796.3A
Authority: CN
Inventors: 朱婷; 黄爱萍; 靳立才; 吴桐; 顾韵晗; 夏雪; 霍来超; 王伟; 李开亮; 孙岚; 牛志慧; 杨岩; 程雪; 白媛媛; 兰国庆
Original assignee: Bank of China Ltd
Current assignee: Bank of China Ltd
Priority date: 2021-11-02
Filing date: 2021-11-02
Publication date: 2022-01-21

Abstract

The application provides a withdrawal method and withdrawal equipment, which can realize that a current user borrows money from other users without cards. The method comprises the following steps: the method comprises the following steps that target information input when a first user initiates a cardless withdrawal operation is received by first equipment, and the target information comprises: the identity authentication information of the first user, the mobile phone number of the second user and/or the account information of the second user and the withdrawal amount. The first user is a withdrawal party, and the second user is an authorized party; the first device sends a first message to the second device according to the target information, wherein the first message is used for requesting to acquire the authorization of the second user and comprises the target information. The first device receives a third message from the second device, wherein the third message is used for indicating that the authorization of the second user is successful. And the first equipment completes the operation of withdrawing money from the account of the second user without the card according to the third message.

Description

Withdrawal method and apparatus

Technical Field

The application relates to the technical field of computers, in particular to a withdrawal method and withdrawal equipment.

Background

At present, Automatic Teller Machines (ATMs) are widely used in daily life, and users can complete various operations such as money withdrawal, account transfer, deposit and the like through the ATM. In addition, some automatic teller machines in the market also support the function of withdrawing money without a card, so that a user can withdraw money successfully from the automatic teller machine without carrying a bank card. In some scenarios, a user may need to borrow money from other users (e.g., relatives, friends, etc.) through an automatic teller machine without a card, but no related art solution is provided in the prior art to solve the technical problem.

Disclosure of Invention

The application provides a withdrawal method and withdrawal equipment, which can realize that a current user borrows money from other users without cards.

In order to achieve the purpose, the technical scheme is as follows:

in a first aspect, the present application provides a method of withdrawal, the method comprising: the method comprises the following steps that target information input when a first user initiates a cardless withdrawal operation is received by first equipment, and the target information comprises: the identity authentication information of the first user, the mobile phone number of the second user and/or the account information of the second user and the withdrawal amount. The first user is a withdrawal party and the second user is an authorized party. The first device sends a first message to the second device according to the target information, wherein the first message is used for requesting to acquire the authorization of the second user and comprises the target information. The first device receives a third message from the second device, wherein the third message is used for indicating that the authorization of the second user is successful. And the first equipment completes the operation of withdrawing money from the account of the second user without the card according to the third message.

In a second aspect, the present application provides a method of withdrawal, the method comprising: the second device receives a first message from the first device, the first message being used for requesting to acquire authorization of the second user, the first message including target information, the target information including: the identity authentication information of the first user, the mobile phone number of the second user and/or the account information of the second user and the withdrawal amount. The first user is a withdrawal party and the second user is an authorized party. And the second equipment sends a second message to the third equipment according to the first message, wherein the second message is used for requesting to acquire the authorization of the second user. The second device receives authorization information for the second user from the third device. And if the second device determines that the second user is successfully authorized according to the authorization information, the second device sends a third message to the first device, wherein the third message is used for indicating that the second user is successfully authorized so as to indicate that the first device completes the operation of withdrawing money from the account of the second user without a card.

Based on the technical scheme, the method can promptly notify the relatives and friends who are not at hand in a remote authorization mode of other users, and complete the operation of withdrawing money from other users without cards so as to meet the emergency requirements of the users.

In one possible design, the second message is included in the short message and/or the application message. Based on the design, the information is actively pushed to other users through the short message or the application message, so that the other users can passively receive the message at any time, the authorization can be carried out as soon as possible, and the card-free withdrawal operation of the user can be responded conveniently in time.

In one possible design, the second message includes a target link, the target link for entering the authorization interface; the authorization interface includes withdrawal detail information. The second device receives authorization information of the second user from the third device, including: the second device receives authorization information from the third device that is input by the second user at the authorization interface. Based on the design, the authorization operation is completed through the authorization interface, so that the security of the authorization process is improved, and the security of the withdrawal process is further ensured.

In one possible design, the authorization information includes an account of the second user and a withdrawal password.

In one possible design, before the second device receives, from the third device, the authorization information input by the second user at the authorization interface, the method further includes: and the second equipment receives the mobile phone number and the verification code input by the second user on the authorization interface from the third equipment. The second device determines that the mobile phone number and the verification code are correct. Based on the design, before the second user inputs the authorization information, the identity of the second user is verified by verifying the mobile phone number and the verification code input by the second user, and the security of the authorization process can be further improved.

In one possible design, before the second device sends the second message to the third device according to the target information, the method further includes: and the second equipment determines that the number of times of requesting to acquire the authorization by the first user meets a first threshold range according to the target information. And/or determining that the number of successful authorizations by the second user satisfies a second threshold range. And/or determining that the withdrawal amount satisfies a third threshold range. Based on the design, in the process of borrowing and cashing other users without cards, the risk control can be made in advance by considering the authorized times, the amount of money and the like, malicious operation is prevented, and the safety of the money drawing process is improved.

In a third aspect, the present application provides a method of withdrawal, the method comprising: the third device receives and displays a second message from the second device, the second message requesting to obtain authorization of the second user. The authorization of the second user is used for completing the operation that the first user withdraws money from the account of the second user without a card. The third device receives authorization information input by the second user. The third device sends authorization information to the second device.

In one possible design, the second message is included in the short message and/or the application message.

In one possible design, the second message includes a destination link, the destination link is used to enter an authorization interface, and the authorization interface includes withdrawal detail information. The third device receives authorization information input by a second user, and comprises: and the third device receives the authorization information input by the second user on the authorization interface.

In one possible design, before the third device receives the authorization information input by the second user at the authorization interface, the method further includes: and the third equipment receives the mobile phone number and the verification code input by the second user on the authorization interface. And the third equipment sends the mobile phone number and the verification code to the second equipment.

In a fourth aspect, the present application provides a withdrawal apparatus, the apparatus being a first device, the first device comprising: a communication unit and a processing unit. The communication unit is used for receiving target information input by a first user when initiating cardless withdrawal operation, and the target information comprises: the identity authentication information of the first user, the mobile phone number of the second user and/or the account information of the second user and the withdrawal amount. The first user is a withdrawal party and the second user is an authorized party. And the communication unit is further used for sending a first message to the second device according to the target information, wherein the first message is used for requesting to acquire the authorization of the second user and comprises the target information. And the communication unit is further used for receiving a third message from the second device, wherein the third message is used for indicating that the authorization of the second user is successful. And the processing unit is used for finishing the operation of withdrawing money from the account of the second user without the card according to the third message.

In a fifth aspect, the present application provides a withdrawal apparatus, where the apparatus is a second device, and the second device includes a communication unit and a processing unit. A communication unit, configured to receive a first message from a first device, where the first message is used to request to obtain authorization of a second user, and the first message includes target information, where the target information includes: the identity authentication information of the first user, the mobile phone number of the second user and/or the account information of the second user and the withdrawal amount. The first user is a withdrawal party and the second user is an authorized party. And the communication unit is further used for sending a second message to the third device according to the first message, wherein the second message is used for requesting to acquire the authorization of the second user. And the communication unit is also used for receiving the authorization information of the second user from the third equipment. And the processing unit is used for determining that the authorization of the second user is successful according to the authorization information. And the communication unit is further used for sending a third message to the first device, wherein the third message is used for indicating that the authorization of the second user is successful so as to indicate that the first device completes the operation of withdrawing money from the account of the second user without the card.

In one possible design, the second message includes a target link, the target link for entering the authorization interface; the authorization interface includes withdrawal detail information. And the communication unit is specifically used for receiving the authorization information input by the second user on the authorization interface from the third device.

In a possible design, the communication unit is further configured to receive, from the third device, a mobile phone number and an authentication code that are input by the second user at the authorization interface. And the processing unit is also used for determining that the mobile phone number and the verification code are correct.

In a possible design, the processing unit is further configured to determine, according to the target information, that the number of times the first user requests to obtain the authorization satisfies a first threshold range. And/or determining that the number of successful authorizations by the second user satisfies a second threshold range. And/or determining that the withdrawal amount satisfies a third threshold range.

In a sixth aspect, the present application provides a withdrawal apparatus, where the apparatus is a third device, and the third device includes a communication unit and a display unit. And the communication unit is used for receiving a second message from the second device, wherein the second message is used for requesting to acquire the authorization of the second user. The authorization of the second user is used for completing the operation that the first user withdraws money from the account of the second user without a card. And the display unit is used for displaying the second message. The communication unit is also used for receiving the authorization information input by the second user; and the communication unit is also used for sending the authorization information to the second equipment.

In one possible design, the second message includes a destination link, the destination link is used to enter an authorization interface, and the authorization interface includes withdrawal detail information. And the communication unit is specifically used for receiving the authorization information input by the second user on the authorization interface.

In one possible design, the communication unit is further configured to receive a mobile phone number and an authentication code input by the second user on the authorization interface. And the communication unit is also used for sending the mobile phone number and the verification code to the second equipment.

In a seventh aspect, the present application provides a withdrawal apparatus comprising a processor and a communication interface. A processor is coupled to the communication interface, the processor being configured to execute a computer program or instructions to implement the method of withdrawal as set forth in any of the first or second aspects above.

In an eighth aspect, the present application provides a withdrawal apparatus comprising a communication interface and a display screen; the communication interface is coupled to the display screen, the communication interface is configured to perform communication operations involved in the withdrawal method according to the third aspect and any design thereof, and the display screen is configured to perform display operations involved in the withdrawal method according to the third aspect and any design thereof.

In a ninth aspect, the present application provides a computer-readable storage medium having instructions stored thereon, which when executed by a computer, cause the computer to perform the method for withdrawing money as designed in any one of the first, second or third aspects.

In a tenth aspect, the present application provides a computer program product comprising: computer program or instructions which, when run on a computer, causes the computer to perform a method of withdrawal as set out in any of the first, second or third aspects above.

In an eleventh aspect, the present application provides a chip system, including at least one processor and at least one interface circuit, where the at least one interface circuit is configured to perform a transceiving function and send an instruction to the at least one processor, and when the at least one processor executes the instruction, the at least one processor performs the withdrawal method as designed in any one of the first, second, or third aspects.

It should be noted that, for technical effects brought by any one of the designs of the first aspect, the third aspect to the eleventh aspect, reference may be made to technical effects brought by corresponding designs of the second aspect, and details are not described here.

Drawings

Fig. 1 is a schematic structural diagram of a withdrawal system according to an embodiment of the present disclosure;

fig. 2 is a schematic flowchart of a withdrawal method according to an embodiment of the present disclosure;

fig. 3 is a schematic diagram of an interface for inputting target information according to an embodiment of the present disclosure;

fig. 4a is a schematic diagram of a related interface for inputting authorization information according to an embodiment of the present application;

FIG. 4b is a schematic diagram of another related interface for inputting authorization information according to an embodiment of the present disclosure;

FIG. 5a is a schematic diagram of another related interface for inputting authorization information according to an embodiment of the present application;

FIG. 5b is a schematic diagram of another related interface for inputting authorization information according to an embodiment of the present disclosure;

fig. 6 is a schematic diagram of a related interface for changing withdrawal detail information according to an embodiment of the present disclosure;

fig. 7 is a schematic view of a related interface for inputting a mobile phone number and a verification code according to an embodiment of the present application;

fig. 8 is a schematic view of a related interface for prompting success of authorization according to an embodiment of the present application;

fig. 9 is a schematic structural diagram of a cash dispensing device according to an embodiment of the present disclosure;

fig. 10 is a schematic structural diagram of another cash dispensing device according to an embodiment of the present application;

fig. 11 is a schematic structural diagram of another cash dispensing device according to an embodiment of the present disclosure;

fig. 12 is a schematic structural diagram of another cash dispensing device according to an embodiment of the present disclosure;

fig. 13 is a schematic structural diagram of another withdrawal apparatus according to an embodiment of the present application.

Detailed Description

A withdrawal method and apparatus provided in the embodiments of the present application are described in detail below with reference to the accompanying drawings.

The term "and/or" herein is merely an association describing an associated object, meaning that three relationships may exist, e.g., a and/or B, may mean: a exists alone, A and B exist simultaneously, and B exists alone.

The terms "first" and "second" and the like in the description and drawings of the present application are used for distinguishing different objects or for distinguishing different processes for the same object, and are not used for describing a specific order of the objects.

Furthermore, the terms "including" and "having," and any variations thereof, as referred to in the description of the present application, are intended to cover non-exclusive inclusions. For example, a process, method, system, article, or apparatus that comprises a list of steps or elements is not limited to only those steps or elements but may alternatively include other steps or elements not expressly listed or inherent to such process, method, article, or apparatus.

It should be noted that in the embodiments of the present application, words such as "exemplary" or "for example" are used to indicate examples, illustrations or explanations. Any embodiment or design described herein as "exemplary" or "e.g.," is not necessarily to be construed as preferred or advantageous over other embodiments or designs. Rather, use of the word "exemplary" or "such as" is intended to present concepts related in a concrete fashion.

In the description of the present application, the meaning of "a plurality" means two or more unless otherwise specified.

At present, some automatic teller machines support the function of withdrawing money without a card, and a user can successfully withdraw money from the automatic teller machine under the condition that the user does not carry a bank card. For example: the automatic teller machine receives a mobile phone number bound to a self bank account input by a user, and sends a verification code to equipment provided with a mobile phone card corresponding to the mobile phone number. And then the user inputs the verification code into an automatic teller machine, the automatic teller machine verifies the mobile phone number and the verification code, receives the withdrawal amount and the withdrawal password input by the user after the verification is passed, and if the withdrawal password is determined to be correct, the automatic teller machine finishes the operation of withdrawing money from the bank account of the user without a card.

In the existing scheme, only the user is supported to withdraw money from the own bank account without a card by using an automatic teller machine. In some emergency scenarios, a user may need to borrow money from other users (e.g., relatives, friends, etc.) through an automatic teller machine without a card to meet emergency needs, and the existing solutions cannot solve the technical problem.

Therefore, to solve the above technical problem, an embodiment of the present application provides a withdrawal method, including: the first device receives target information input when a first user initiates a cardless withdrawal operation, and the first device sends a first message to the second device according to the target information to acquire authorization of the second user. The first user is a withdrawal party, and the second user is an authorized party. And the second equipment sends a second message to the third equipment according to the first message so as to acquire the authorization of the second user. The third device displays the second message and receives authorization information of the second user, and then transmits it to the second device. And if the second device determines that the second user is successfully authorized according to the authorization information, the second device sends a third message indicating that the second user is successfully authorized to the first device, and then the first device completes the operation of withdrawing money from the second user account without the card according to the third message. Therefore, the withdrawal method provided by the embodiment of the application can be used for withdrawing money from accounts of other users under the condition of no card through authorization of other users so as to meet the emergency requirements of the users.

As shown in fig. 1, a schematic structural diagram of a withdrawal system 100 according to an embodiment of the present disclosure is provided, and the withdrawal method according to the embodiment of the present disclosure may be applied to the withdrawal system. The withdrawal system 100 includes: a first device 101, a second device 102, a third device 103.

The first device 101 is a device for a user to perform a cardless withdrawal operation, that is, a device supporting a cardless withdrawal function, for example: automatic teller machines, automated teller machines, and the like. The first device 101 may be connected with the second device 102 through a wired link or a wireless link for data interaction. Illustratively, the first device 101 is configured to receive target information input by a first user during a cardless withdrawal operation, and send a first message to the second device 102, where the first message is used to request to obtain authorization of the second user, and the first message includes the target information.

The second device 102 may be a server, for example: a bank server. The second device 102 is connected to the first device 101 and the third device 103 via a wired link or a wireless link, respectively, for data interaction. Illustratively, the second device 102 is configured to receive a first message containing the target information from the first device 101, send a second message to the third device 103 to obtain authorization information of the second user, receive the authorization information from the third device 103, verify whether the authorization information is correct, and send corresponding indication information to the first device 103, for example: indication information of success of authorization (third message), indication information of failure of authorization, and the like.

In some possible examples, the first device 101 and the second device 102 may be implemented as two devices, respectively. In other possible examples, the first device 101 and the second device 102 may be integrated into one device.

The third device 103 is a device for the second user operation. The third device 103 includes, but is not limited to, a cell phone, a tablet, a wearable device, and the like. The third device 103 is configured to receive the second message sent by the second device 102 and the authorization information input by the second user, and send the authorization information to the second device 102.

Optionally, other devices may be added to the withdrawal system 100, for example: and the server of the short message provider is used for connecting the second device and the third device so that the subsequent second device sends a related message interface for acquiring the authorization of the second user to the third device in a short message mode.

It should be noted that the withdrawal system described in the embodiment of the present application is for more clearly illustrating the technical solution of the embodiment of the present application, and does not constitute a limitation to the technical solution provided in the embodiment of the present application, and as a person having ordinary skill in the art knows, along with the evolution of the network architecture, the technical solution provided in the embodiment of the present application is also applicable to similar technical problems.

As shown in fig. 2, a withdrawal method provided in an embodiment of the present application includes the following steps:

s201, receiving target information input by a first user when the first user initiates a cardless withdrawal operation by first equipment.

The target information comprises identity authentication information of the first user, a mobile phone number of the second user and/or account information and withdrawal amount of the second user. Optionally, the account information of the second user may be a bank account (e.g., a bank card number) of the second user, or may be other account information. The first user is a withdrawal party and the second user is an authorized party. For example, the second user may be a relative, friend, co-worker, etc. of the first user, and the application does not limit the relationship between the first user and the second user.

Optionally, in other possible implementations, the withdrawal amount may also be input by the second user, such as subsequently input by the second user during the process of inputting the authorization information.

Illustratively, the authentication information of the first user includes, but is not limited to, a name, an identification number, face information, fingerprint information, a mobile phone number, an authentication code, and the like of the first user.

Optionally, the authentication information of the first user, the mobile phone number of the second user and/or the account information of the second user may be input together on the same display interface, or may be input separately on two display interfaces, for example: the first equipment displays a first interface for inputting the identity authentication information of the first user, and after the authentication is passed, the first equipment displays a second interface for inputting the mobile phone number of the second user and/or the account information of the second user.

Optionally, the target information may further include a name of the second user, identity information (such as an identification number) of the second user, and the like.

Exemplarily, as shown in fig. 3, a schematic interface diagram for inputting target information is provided in an embodiment of the present application. The payee option 301 is used for inputting a name of a first user, the payee identity card number option 302 is used for inputting identity information of the first user, the authorizer option 303 is used for inputting a name of a second user, the authorizer mobile phone number 304 is used for inputting a mobile phone number of the second user, and the withdrawal amount option 305 is used for inputting a withdrawal amount. After the first user inputs the target information in the interface 300, the withdrawal button 306 is clicked, and in response to the operation of the first user, the first device performs step S202.

S202, the first device sends a first message to the second device according to the target information. Accordingly, the second device receives the first message from the first device.

The first message is used for requesting to acquire the authorization of the second user, and the first message comprises target information.

And S203, the second device sends a second message to the third device according to the first message. Accordingly, the third device receives the second message from the second device.

Wherein the second message is used for requesting to acquire the authorization of the second user. The authorization of the second user is used for completing the operation that the first user withdraws money from the account of the second user without a card.

Optionally, the second message includes a target link, and the target link can be used to enter the authorization interface. Illustratively, the target link may be in the form of a Uniform Resource Locator (URL), or may be in other forms. The authorization interface is used for inputting authorization information. Optionally, withdrawal detail information may also be included in the authorization interface, for example: the name, identification card number, withdrawal amount of the first user, the name, account information, identity information and the like of the second user, so that the second user can know the withdrawal details.

Optionally, the second message may be included in the short message and/or the application message. The application can be a mobile banking application or other third-party applications, such as: pay-Bao, WeChat, etc. The application may be an application that binds account information of the second user, or an application that binds a mobile phone number of the second user.

For example, in the case that the target information includes a mobile phone number of the second user, the second device may determine, according to the mobile phone number of the second user, the second user that needs to obtain authorization, and further send a second message to a third device (that is, a device held by the second user) that installs the mobile phone card corresponding to the mobile phone number, where the second message may be included in the short message. And/or the second device sends a second message to the application bound to the mobile phone number, and the second message may be included in the application message.

For another example, when the target information includes account information of the second user, the second device may determine, according to the account information, the second user that needs to acquire authorization, and further send a second message to the application that binds the account information, where the second message may be included in the application message. And/or the second device determines the mobile phone number bound with the account information according to the account information of the second user, taking the account information of the second user as the bank card number of the second user as an example, the second device may determine the mobile phone number bound with the bank card number according to the bank card number, and then sends a second message to a third device on which the mobile phone card corresponding to the mobile phone number is installed, where the second message may be included in the short message.

It should be noted that the second device may send the second message to the third device in one or more manners described above, which is not limited in this application.

And S204, the third equipment displays the second message and receives the authorization information input by the second user.

Wherein the third device displays the second message after receiving the second message, so that the second user can authorize according to the second message. Optionally, the third device may also display a prompt message to prompt the second user for authorization. Illustratively, the prompting message may be part of the second message.

Optionally, the prompting message may be a short message and/or an application message.

In the case that the prompt message is an application message, in order to obtain the authorization of the second user in time, the prompt message may also be pushed in the case that the second user does not log in the application. Of course, the manner of pushing the prompt message by the application (e.g., pushing only in the application login state, pushing in both the login state and the non-login state, etc.) may be designed by default or may be set by the user.

Of course, the third device may also prompt the second user for authorization in other manners, which is not limited in this application.

The third device receiving the authorization information input by the second user includes the following possible implementation manners:

in one possible implementation, the third device displays a second message, which can be used directly for second user authorization.

For example, as shown in fig. 4a, for a related interface diagram for inputting authorization information provided in the embodiment of the present application, taking the second message as a short message form as an example, after receiving the second message sent by the second device, the third device displays a short message prompt (that is, a prompt message) according to the second message, for example, the third device may present an interface 400, where the interface 400 includes a short message prompt 401. After the second user views the short message prompt 401, in response to an operation of the second user to view the short message prompt 401, such as a click operation of the second user on the short message prompt 401, the third device may present the interface 410, display the short message content 402 (i.e., the second message) on the interface 410, and the second user may input the authorization information according to the short message content 402, i.e., directly input the authorization information in the interface 410, without entering an additional authorization interface. The specific content of the authorization information is not described here, and will be described in detail later.

Optionally, withdrawal details (e.g., "MIN, ID number 8888, borrow 200 from your account 999" as shown in interface 410) may be included in SMS content 402.

In another possible implementation manner, in combination with the second message introduced in step S203, the third device may receive authorization information input by the second user on the authorization interface. The second message displayed by the third device includes the target link to facilitate the second user to enter authorization information in the authorization interface.

Illustratively, as shown in fig. 4b, a schematic diagram of another related interface for inputting authorization information is provided in the embodiment of the present application. Or taking the second message as a short message form as an example, after receiving the second message sent by the second device, the third device displays a short message prompt according to the second message, and exemplarily, the third device may present an interface 400, where the interface 400 includes a short message prompt 401. After the second user views the short message prompt 401, in response to an operation of the second user to view the short message prompt 401, such as a click operation of the second user on the short message prompt 401, the third device may present an interface 420, and display the short message content 403 (that is, the second message) on the interface 420. A target link 404 is included in the short message content 403, and the target link 404 is used for entering an authorization interface. In response to an operation of the second user entering the authorization interface, such as a click operation of the second user on the target link 404, the third device may jump to the authorization interface 430, and the second user may input authorization information in the authorization interface 430.

Optionally, in this example, withdrawal detail information (e.g., "Xiaoming, ID number: 8888, borrow 200 to you" shown in the interface 420) may also be included in the short message content 403, where the user may confirm the details of the withdrawal detail information before entering the authorization interface, and may not enter the authorization interface if the withdrawal detail information is determined to be incorrect. The withdrawal detail information may also be included in the authorization interface 430, and at this time, before the user inputs the authorization information, the details of the withdrawal detail information may be determined, and if it is determined that the withdrawal detail information is wrong, the second user may not input the authorization information. Of course, the withdrawal detail information may also be included in the short message content 402 and the authorization interface 430, and the display position of the withdrawal detail information is not limited in the present application.

Optionally, the authorization information includes, but is not limited to, an account of the second user, a withdrawal password, fingerprint information of the second user, face information, a verification code, other forms of verification information, and the like.

Illustratively, as shown in fig. 5a, a schematic diagram of a related interface for inputting authorization information is provided in the embodiment of the present application. In connection with the interface 410 shown in fig. 4a, the authorization information may be an authorization code replied to by the second user. For example: in response to the authorization code "abc" entered by the second user in input box 501, the third device receives the authorization information and displays interface 500. The authorization code may be included in the short message content 402 and sent by the second device to the third device.

In this example, the second user does not input own account information, and the second device may determine the account information of the second user through the target information in order to complete the operation of withdrawing money from the account of the second user without a card. For example: the destination information directly includes account information of the second user (for example, "account 999" shown in interface 410), or the destination information includes a mobile phone number of the second user, the second device may determine an account bound to the mobile phone number, there may be one or more accounts, and the second device may select any one or more of the accounts to complete the operation of cardless withdrawal. Of course, the account to be selected for cardless withdrawal may be determined according to the priority of each account.

Exemplarily, as shown in fig. 5b, a schematic view of a related interface of further authorization information provided in the embodiment of the present application is provided. In connection with the interface 430 shown in fig. 4b, the authorization information may be an account of the second user and a withdrawal password. For example: the third device receives the authorization information in response to the second user entering the bank account (i.e., the second user's account) and the withdrawal password at interface 430, and displays interface 510. Optionally, the authorization information may also include a withdrawal amount (not shown).

Optionally, the second user may also modify withdrawal detail information (e.g., withdrawal amount, account of the second user, etc.). Also take entering an authorization page to input authorization information as an example, as shown in fig. 6, an exemplary schematic diagram for changing withdrawal detail information provided for the embodiment of the present application is, for example: the third device displays an authorization interface 600, and the withdrawal detail information (such as the name of the first user, the identification number of the first user, the account of the second user, the withdrawal amount, etc.) can be changed by the second user in the authorization interface 600. For example: in response to the second user's operation of the change button 601 and re-entering the withdrawal amount (e.g., changing the withdrawal amount to 200 to 100), the third device may display an updated authorization interface 610. Another example is: in response to the second user's operation of change button 602 and re-entering an account (e.g., modifying bank account 123 to bank account 456), the third device may display updated interface 620. Thus, the withdrawal detail information may be altered when it is not agreed upon by the second user.

Thus, in this example, since the second user has the authority to change the authorization information, the actual withdrawal amount of the first user may be different from the withdrawal amount input by the first user (i.e., the withdrawal amount included in the target information).

Optionally, before the third device receives the authorization information input by the second user on the authorization interface, the third device may also receive a mobile phone number and a verification code input by the second user on the authorization interface, so as to verify the identity of the second user.

Illustratively, as shown in fig. 7, on the basis of the interface 420 shown in fig. 4b, in response to an operation of the second user entering the authorization interface, such as a click operation of the second user on the target link 404, the third device may jump to the interface 700, and the interface 700 may be used to input a mobile phone number and a verification code of the second user to verify the identity of the second user, for example: in response to the mobile phone number input by the second user and the click operation on the verification code obtaining button 701, the third device may receive the corresponding verification code, and the second user inputs the verification code after knowing the verification code. In response to the input of the phone number, the authentication code, and the click operation of the ok button 702 by the second user, the third device may display the interface 430 for inputting the authorization information of the second user.

It should be noted that the mobile phone number, the verification code, and the authorization information may be input on the same display interface, or the mobile phone number, the verification code, and the authorization information may be input on different display interfaces.

S205, the third device sends the authorization information of the second user to the second device. Accordingly, the second device receives authorization information for the second user from the third device.

For example: in response to the click operation of the second user on the send button in the interface 500 shown in fig. 5a, the third device sends the authorization information of the second user to the second device. Another example is: in response to the second user clicking the confirmation button in the interface 510 shown in fig. 5b, the third device sends the second user's authorization information to the second device. Another example is: in response to the second user's tap operation of the fingerprint button shown in fig. 6, the third device transmits the authorization information of the second user to the second device.

Optionally, before the second device receives the authorization information of the second user from the third device, the second device may further receive a mobile phone number and an authentication code input by the second user on the authorization page, determine whether the mobile phone number and the authentication code are correct, and if so, continue to receive the authorization information of the second user.

S206, the second device determines that the second user is successfully authorized according to the authorization information.

Optionally, the authorization may fail due to a user's hand mistake, or an insufficient balance in the account of the second user. Therefore, after the second device determines that the authorization information is correct and completes the operation of successfully deducting money from the account of the second user, the second device may perform step S207. Otherwise, the second device may notify the third device that the second user needs to re-authorize, or may directly notify the first device that the authorization fails.

Optionally, the second device may further notify the third device that the authorization is successful, and after receiving the notification of the second device, the third device may prompt the second user that the authorization is successful.

Illustratively, as shown in fig. 8, taking the interface 510 shown in fig. 5b as an example, on the basis of the interface 510, authorization information input by a second user is detected, and in response to the authorization information, for example: the third device sends the authorization information to the second device in response to the bank account, the withdrawal password and the click operation of the confirmation button input by the second user, if the second device determines that the authorization information is correct, after the operation of successfully deducting money from the account of the second user is completed, the second device can inform the third device that authorization is successful, and after receiving the notification, the third device can jump to the interface 800 to prompt that authorization of the second user is successful. Optionally, a close button 801 may be included in the interface 800 to facilitate the user exiting the authorization interface after completing the authorization.

The example shown in fig. 8 is explained by taking authorization for entering an authorization page as an example, and when the authorization mode for entering the authorization page is not adopted, as shown in fig. 5a, the third device may further receive a short message notification that authorization sent by the second device is successful, and prompt that authorization of the second user is successful in a short message manner, in a manner of replying an authorization code with a short message.

Certainly, when the short message service is opened in the account of the second user, the second device may also remind the second user of successful authorization (or successful deduction/withdrawal) in a short message manner.

And S207, the second equipment sends a third message to the first equipment. Accordingly, the first device receives the third information from the second device.

And the third message is used for indicating that the authorization of the second user is successful so as to finish the operation of withdrawing money from the account of the second user without the card.

Optionally, before the second device sends the third message to the first device, the second device may determine that the deduction from the account of the second user is successful according to the authorization information of the second user, and send the third message to the first device if the deduction is determined to be successful.

And S208, the first device completes the operation of withdrawing money from the account of the second user without the card according to the third message.

Optionally, after the first device completes the operation of withdrawing money from the second user account without the card, the first user may be prompted that the withdrawal is successful.

Optionally, because the second user may not respond in time, that is, cannot acquire the authorization of the second user in time, if the authorization of the second user is successfully acquired within the preset time period, the operation of withdrawing money from the account of the second user is completed. Therefore, in order to obtain the authorization of the second user in time, the first user may additionally contact the second user in time by using a phone, a short message, a social application, and the like.

If the authorization of the second user is not successfully acquired within the preset time period, the first device may end the process of acquiring the authorization of the second user, and close the withdrawal operation. In addition, the first user may be prompted for a withdrawal failure. Then, the first user can contact the second user by means of telephone, short message, social application and the like, the borrowing intention is informed, and then the operation of withdrawing money from the account of the second user is initiated again, so that the second user can respond to the authorization in time. Alternatively, the first user may change the authorizer to initiate a withdrawal operation from an account of a user other than the second user to address the emergency demand.

Optionally, before step S202 shown in fig. 2, the method shown in fig. 2 further includes the following steps (not shown in the figure):

s209, the second equipment determines that the number of times of the first user requesting to obtain the authorization meets a first threshold range according to the target information; and/or determining that the number of successful authorizations by the second user satisfies a second threshold range; and/or determining that the withdrawal amount satisfies a third threshold range.

For example: the first device determines the number of times that the first user requests to acquire the authorization according to the first user verification information in the target information, wherein the authorization acquired by the request can be the authorization of different users or the authorization of the same user. Alternatively, the first threshold range may be in units of days, weeks, or months, for example: 3-5 times per day, 10-15 times per week, 0-20 times per month, etc., which the application does not limit.

Another example is: and the first equipment determines the successful authorization times of the second user according to the mobile phone number of the second user and/or the account information of the second user in the target message, wherein the authorization can be the authorization requested by different users or the authorization requested by the same user. Optionally, the second threshold range may also be in units of days, weeks, or months, for example: 3-5 times a day, 10-15 times a week, 0-20 times a month, etc., which is not limited in this application.

Optionally, in order for the first device to perform the above operations, the first device may keep an authorization record for a preset time period. The preset time period may be determined by a developer.

For example, the third threshold range may be 300-500, 0-600, etc., and the value of the third threshold range is not specifically limited in this application.

Based on the technical scheme, in the process of borrowing and cashing other users without cards, the risk control can be made in advance by considering the authorized times, the amount of money and the like, malicious operation is prevented, and the safety of the withdrawal process is improved.

Optionally, in order to further improve the security of the withdrawal process, the communication between the first device, the second device, and the third device may be implemented by an encryption method, and for a specific encryption technology, reference is made to the prior art, which is not described herein again.

It should be noted that, the above interfaces are only schematic diagrams, and are not limited to the present application, and in practical applications, more or less interfaces may be included, and more or less contents may also be included in each interface.

The scheme provided by the embodiment of the application is mainly introduced from the perspective of the method. It is understood that the apparatus comprises corresponding hardware structures and/or software modules for performing the respective functions in order to realize the above-mentioned functions. The elements and algorithm steps of the various examples described in connection with the embodiments disclosed herein may be embodied in hardware or in a combination of hardware and computer software. Whether a function is performed as hardware or computer-driven hardware depends upon the particular application and design constraints imposed on the solution. Skilled artisans may implement the described functionality in varying ways for each particular application, but such implementation decisions should not be interpreted as causing a departure from the scope of the present teachings.

In the present application, the functional modules of the apparatus may be divided according to the above method examples, for example, each functional module may be divided according to each function, or two or more functions may be integrated into one processing unit. The integrated unit can be realized in a hardware form or a software functional module form. It should be noted that the division of the unit in the embodiment of the present application is schematic, and is only a logic function division, and there may be another division manner in actual implementation.

Fig. 9 is a schematic structural diagram of a cash dispenser 900 according to an embodiment of the present application. The withdrawal apparatus 900 includes a processing unit 901 and a communication unit 902.

In a possible example, taking the withdrawal apparatus as the first device as an example, the processing unit 901 is configured to support the first device to perform step S208 in fig. 2 and/or other processing operations that the first device needs to perform in this embodiment of the present application. A communication unit 902, configured to support the first device to perform steps S201, S202, and S207 in fig. 2, and/or other communication operations that the first device needs to perform in this embodiment of the application.

In another possible example, taking the withdrawal apparatus as a second device as an example, the processing unit 901 is configured to support the second device to perform step S206 in fig. 2 and/or other processing operations that the second device needs to perform in this embodiment of the application. A communication unit 902, configured to support the second device to perform steps S202, S203, S205, and S207 in fig. 2, and/or other communication operations that the second device needs to perform in this embodiment of the application.

Optionally, the withdrawal device may further include a storage unit (not shown in the figure) for storing program codes and data of the withdrawal device, and the data may include, but is not limited to, original data or intermediate data, and the like.

Optionally, when the withdrawal apparatus is used as the first device, the withdrawal apparatus may further include a display unit (not shown in the figure) for displaying a related interface (for example, an interface for inputting target information) so as to facilitate the first user to perform a withdrawal operation.

Fig. 10 is a schematic structural diagram of another withdrawal apparatus 1000 according to an embodiment of the present application, where the withdrawal apparatus 1000 is a third device. The withdrawal apparatus includes a communication unit 1001 and a display unit 1002.

A communication unit 1001, configured to support a third device to perform the communication operations in steps S203 and S204 in fig. 2, S205, and/or other communication operations that the third device needs to perform in this embodiment of the present application. A display unit 1002, configured to support the third device to perform the display operation in step S204 in fig. 2, and/or other display operations that the third device needs to perform in this embodiment.

Optionally, the withdrawal apparatus may further comprise a processing unit (not shown in the figures) for supporting the third device in performing other processing operations.

In the case of implementing the functions of the integrated modules in the form of hardware, the embodiment of the present invention provides another possible structural schematic diagram of the apparatus in the above embodiment. As shown in FIG. 11, a withdrawal apparatus 1100, for example, for performing the withdrawal method shown in FIG. 2

The withdrawal device 1100 includes a processor 1101, a memory 1102, a bus 1103, and a communication interface 1104. The processor 1101, memory 1102 and communication interface 1104 may be coupled by a bus 1103.

The processor 1101 is a control center of the communication apparatus, and may be a single processor or a collective term for a plurality of processing elements. For example, the processor 1101 may be a Central Processing Unit (CPU), other general-purpose processors, or the like. Wherein a general purpose processor may be a microprocessor or any conventional processor or the like.

For one embodiment, processor 1101 may include one or more CPUs, such as CPU 0 and CPU 1 shown in FIG. 11.

The memory 1102 may be, but is not limited to, a read-only memory (ROM) or other type of static storage device that may store static information and instructions, a Random Access Memory (RAM) or other type of dynamic storage device that may store information and instructions, an electrically erasable programmable read-only memory (EEPROM), a magnetic disk storage medium or other magnetic storage device, or any other medium that can be used to carry or store desired program code in the form of instructions or data structures and that can be accessed by a computer.

As a possible implementation, the memory 1102 may be present separately from the processor 1101, and the memory 1102 may be connected to the processor 1101 by a bus 1103 for storing instructions or program code. The withdrawal method provided by the embodiments of the present invention can be implemented when the processor 1101 calls and executes instructions or program codes stored in the memory 1102.

In another possible implementation, the memory 1102 may also be integrated with the processor 1101.

The bus 1103 may be an Industry Standard Architecture (ISA) bus, a Peripheral Component Interconnect (PCI) bus, an Extended ISA (EISA) bus, or the like. The bus may be divided into an address bus, a data bus, a control bus, etc. For ease of illustration, only one thick line is shown in FIG. 11, but this is not intended to represent only one bus or type of bus.

A communication interface 1104 for connecting with other devices through a communication network. The communication network may be an ethernet network, a radio access network, a Wireless Local Area Network (WLAN), etc. The communication interface 1104 may include a receiving unit for receiving data and a transmitting unit for transmitting data.

In one possible design, in the apparatus provided in the embodiment of the present invention, the communication interface may be further integrated in the processor.

In one possible design, the cash dispenser 1100 provided by the embodiment of the present invention may further include a display screen 1105 (not shown in the figure).

A display screen 1105 for supporting display of related interfaces for the first user and/or the second user to perform operations such as: an operation of the first user inputting the target information, an operation of the second user inputting the authorization information, and the like.

Note that the configuration shown in fig. 11 does not limit the withdrawal apparatus 1100. In addition to the components shown in fig. 11, the cash dispenser device 1100 may include more or fewer components than shown, or some components may be combined, or a different arrangement of components.

Fig. 12 shows another hardware configuration of a withdrawal apparatus in an embodiment of the present invention. The withdrawal apparatus may be used as the first device or the second device. As shown in fig. 12, a withdrawal device 1200 may include a processor 1201 and a communication interface 1202. The processor 1201 is coupled to a communication interface 1202.

The functions of the processor 1201 may refer to the description of the processor 1101 described above. The processor 1201 also has a memory function, and the function of the memory 1102 described above can be referred to.

The communication interface 1202 is used to provide data to the processor 1201. The communication interface 1202 may be an internal interface of the communication device or an external interface (corresponding to the communication interface 1104) of the communication device.

It is noted that the configuration shown in fig. 12 does not constitute a limitation of the withdrawal device 1200, and that the withdrawal device 1200 may include more or less components than those shown in fig. 12, or some components may be combined, or a different arrangement of components than those shown in fig. 12.

Fig. 13 shows another hardware configuration of a withdrawal apparatus in an embodiment of the present invention. The withdrawal apparatus may act as a third device. As shown in fig. 13, a withdrawal device 1300 may include a communication interface 1301 and a display screen 1302. Communication interface 1301 is coupled to display screen 1302.

The communication interface 1301 is used to provide data to the display 1302. The communication interface 1302 may be an internal interface of the communication device or an external interface of the communication device (corresponding to the communication interface 1104).

The function of the display 1302 may be as described above with reference to the display 1105.

It is noted that the configuration shown in fig. 13 does not constitute a limitation of the dispensing device 1300, and that the dispensing device 1300 may include more or less components than those shown in fig. 13, or some components may be combined, or a different arrangement of components than those shown in fig. 13.

Through the above description of the embodiments, it is clear for a person skilled in the art that, for convenience and simplicity of description, only the division of the above functional units is illustrated. In practical applications, the above function allocation can be performed by different functional units according to needs, that is, the internal structure of the device is divided into different functional units to perform all or part of the above described functions. For the specific working processes of the system, the apparatus and the unit described above, reference may be made to the corresponding processes in the foregoing method embodiments, and details are not described here again.

The embodiment of the present invention further provides a computer-readable storage medium, where instructions are stored in the computer-readable storage medium, and when the instructions are executed by a computer, the computer executes each step in the method flow shown in the above method embodiment.

Embodiments of the present invention provide a computer program product comprising instructions which, when run on a computer, cause the computer to perform a method of withdrawing money as in the above-described method embodiments.

The computer readable storage medium may be, for example, but not limited to, an electronic, magnetic, optical, electromagnetic, infrared, or semiconductor system, apparatus, or device, or any combination thereof. More specific examples (a non-exhaustive list) of the computer readable storage medium would include the following: an electrical connection having one or more wires, a portable computer diskette, and a hard disk. Random Access Memory (RAM), Read-Only Memory (ROM), Erasable Programmable Read-Only Memory (EPROM), registers, a hard disk, an optical fiber, a portable Compact disk Read-Only Memory (CD-ROM), an optical storage device, a magnetic storage device, or any other form of computer-readable storage medium, in any suitable combination, or as appropriate in the art. An exemplary storage medium is coupled to the processor such the processor can read information from, and write information to, the storage medium. Of course, the storage medium may also be integral to the processor. The processor and the storage medium may reside in an Application Specific Integrated Circuit (ASIC). In embodiments of the invention, 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.

Since the apparatus, the device, the computer-readable storage medium, and the computer program product in the embodiments of the present invention may be applied to the method described above, for technical effects obtained by the apparatus, the computer-readable storage medium, and the computer program product, reference may also be made to the method embodiments described above, and details of the embodiments of the present invention are not repeated herein.

The above description is only an embodiment of the present invention, but the scope of the present invention is not limited thereto, and any changes or substitutions within the technical scope of the present invention are intended to be covered by the scope of the present invention.

Claims

1. A method of withdrawing money, the method comprising:

the method comprises the following steps that target information input when a first user initiates a cardless withdrawal operation is received by first equipment, and the target information comprises: the identity authentication information of the first user, the mobile phone number of the second user and/or the account information and the withdrawal amount of the second user; the first user is a withdrawal party, and the second user is an authorized party;

the first device sends a first message to a second device according to the target information, wherein the first message is used for requesting to acquire the authorization of the second user and comprises the target information;

the first device receives a third message from the second device, wherein the third message is used for indicating that the second user authorization is successful;

and the first equipment completes the operation of withdrawing money from the account of the second user without the card according to the third message.

2. A method of withdrawing money, the method comprising:

the second device receives a first message from the first device, wherein the first message is used for requesting to acquire the authorization of the second user, and the first message comprises target information which comprises: identity authentication information of a first user, a mobile phone number of a second user and/or account information and withdrawal amount of the second user; the first user is a withdrawal party, and the second user is an authorized party;

the second device sends a second message to a third device according to the first message, wherein the second message is used for requesting to acquire the authorization of the second user;

the second device receiving authorization information of the second user from the third device;

if the second device determines that the second user is successfully authorized according to the authorization information, the second device sends a third message to the first device, wherein the third message is used for indicating that the second user is successfully authorized, so that the first device is indicated to complete the operation of withdrawing money from the account of the second user without a card.

3. The method of claim 2, wherein the second message is included in a short message and/or an application message.

4. The method of claim 2 or 3, wherein the second message includes a target link for entering an authorization interface; the authorization interface comprises withdrawal detail information;

the second device receiving authorization information of the second user from the third device, including:

and the second device receives the authorization information input by the second user in the authorization interface from the third device.

5. The method of any of claims 2-4, wherein the authorization information includes an account of the second user and a withdrawal password.

6. The method according to claim 4 or 5, wherein before the second device receives the authorization information input by the second user at the authorization interface from the third device, the method further comprises:

the second device receives the mobile phone number and the verification code input by the second user on the authorization interface from the third device;

and the second equipment determines that the mobile phone number and the verification code are correct.

7. The method according to any of claims 2-6, wherein before the second device sends a second message to a third device according to the target information, the method further comprises:

the second equipment determines that the number of times of requesting to obtain authorization by the first user meets a first threshold range according to the target information; and/or determining that the number of successful authorizations by the second user satisfies a second threshold range; and/or determining that the withdrawal amount satisfies a third threshold range.

8. A method of withdrawing money, the method comprising:

the third equipment receives and displays a second message from the second equipment, wherein the second message is used for requesting to acquire the authorization of the second user; the authorization of the second user is used for completing the operation that the first user withdraws money from the account of the second user without a card;

the third equipment receives the authorization information input by the second user;

the third device sends the authorization information to the second device.

9. The method of claim 8, wherein the second message is included in a short message and/or an application message.

10. The method of claim 8 or 9, wherein the second message includes a target link for entering an authorization interface; the authorization interface comprises withdrawal detail information;

the third device receives the authorization information input by the second user, and the authorization information comprises:

and the third equipment receives the authorization information input by the second user on the authorization interface.

11. The method of any of claims 8-10, wherein the authorization information includes an account of the second user and a withdrawal password.

12. The method according to claim 10 or 11, wherein before the third device receives the authorization information input by the second user at the authorization interface, the method further comprises:

the third equipment receives the mobile phone number and the verification code input by the second user on the authorization interface;

and the third equipment sends the mobile phone number and the verification code to the second equipment.

13. A withdrawal apparatus, the apparatus being a first device, the first device comprising: a communication unit and a processing unit;

the communication unit is used for receiving target information input by a first user when initiating a cardless withdrawal operation, and the target information comprises: the identity authentication information of the first user, the mobile phone number of the second user and/or the account information and the withdrawal amount of the second user; the first user is a withdrawal party, and the second user is an authorized party;

the communication unit is further configured to send a first message to a second device according to the target information, where the first message is used to request to acquire authorization of the second user, and the first message includes the target information;

the communication unit is further configured to receive a third message from the second device, where the third message is used to indicate that the second user authorization is successful;

and the processing unit is used for finishing the operation of withdrawing money from the account of the second user without the card according to the third message.

14. A withdrawal apparatus, wherein the apparatus is a second device comprising a communication unit and a processing unit;

the communication unit is configured to receive a first message from a first device, where the first message is used to request to obtain authorization of a second user, and the first message includes target information, where the target information includes: identity authentication information of a first user, a mobile phone number of a second user and/or account information and withdrawal amount of the second user; the first user is a withdrawal party, and the second user is an authorized party;

the communication unit is further configured to send a second message to a third device according to the first message, where the second message is used to request to acquire authorization of the second user;

the communication unit is further used for receiving the authorization information of the second user from the third device;

the processing unit is used for determining that the authorization of the second user is successful according to the authorization information;

the communication unit is further configured to send a third message to the first device, where the third message is used to indicate that the authorization of the second user is successful, so as to indicate that the first device completes an operation of withdrawing money from an account of the second user without a card.

15. A withdrawal device is characterized in that the device is a third device, and the third device comprises a communication unit and a display unit;

the communication unit is used for receiving a second message from a second device, wherein the second message is used for requesting to acquire the authorization of a second user; the authorization of the second user is used for completing the operation that the first user withdraws money from the account of the second user without a card;

the display unit is used for displaying the second message;

the communication unit is further used for receiving authorization information input by the second user;

the communication unit is further configured to send the authorization information to the second device.

16. A cash dispenser device comprising a processor and a communication interface; the processor is coupled with the communication interface, the processor to execute a computer program or instructions to implement the method of withdrawal of claim 1 or any of claims 2-7.

17. A withdrawal device is characterized by comprising a communication interface and a display screen; the communication interface is coupled with the display screen, the communication interface is used for executing communication operation related to the withdrawal method of any one of claims 8-12, and the display screen is used for executing display operation related to the withdrawal method of any one of claims 8-12.

18. A computer-readable storage medium having instructions stored thereon which, when executed by a computer, cause the computer to perform the method of withdrawing money as recited in any one of claims 1, 2-7, or 8-12.