CN115018612A - Business processing method and device based on bank counter - Google Patents
Business processing method and device based on bank counter Download PDFInfo
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- CN115018612A CN115018612A CN202210408944.7A CN202210408944A CN115018612A CN 115018612 A CN115018612 A CN 115018612A CN 202210408944 A CN202210408944 A CN 202210408944A CN 115018612 A CN115018612 A CN 115018612A
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- G06K—GRAPHICAL DATA READING; PRESENTATION OF DATA; RECORD CARRIERS; HANDLING RECORD CARRIERS
- G06K17/00—Methods or arrangements for effecting co-operative working between equipments covered by two or more of main groups G06K1/00 - G06K15/00, e.g. automatic card files incorporating conveying and reading operations
- G06K17/0022—Methods or arrangements for effecting co-operative working between equipments covered by two or more of main groups G06K1/00 - G06K15/00, e.g. automatic card files incorporating conveying and reading operations arrangements or provisious for transferring data to distant stations, e.g. from a sensing device
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Abstract
The invention provides a business processing method and device based on a bank counter, which can be used in the financial field or other fields. The method comprises the following steps: generating and displaying a service two-dimensional code according to the service information, wherein the service two-dimensional code comprises a service identifier, a service type and a counter parameter; receiving a service handling request forwarded by a mobile terminal through a service server, wherein the service handling request comprises the service identification, the service type, a bank account and the counter parameter; the service transaction request is sent by the mobile terminal after the mobile terminal scans the service two-dimensional code and acquires the bank account; and prompting to process the service corresponding to the service type of the bank account if the counter parameter is judged to be matched with the local service terminal. The device is used for executing the method. The business processing method and device based on the bank counter provided by the embodiment of the invention improve the business handling efficiency.
Description
Technical Field
The invention relates to the technical field of finance, in particular to a business processing method and device based on bank counter.
Background
With the popularization of smart phones, although many banking businesses can be handled online, banking outlets still exist, and customers can handle banking businesses through counter.
In the prior art, some banking services can be handled only by providing a bank card or a passbook by a customer when the banking services are handled on a counter, for example, the customer needs to withdraw money on the counter, the bank card needs to be provided or the bank card needs to be stored in a bank teller, the bank teller obtains customer information by swiping the card or swiping the passbook, and then the customer is handled with the withdrawal service. If the customer forgets to carry the bank card, the business can not be transacted on the counter, which causes inconvenience to the business transaction of the customer and reduces the transaction efficiency of the bank business.
Disclosure of Invention
Aiming at the problems in the prior art, the embodiment of the invention provides a business processing method and a business processing device based on a bank counter, which can at least partially solve the problems in the prior art.
In a first aspect, the present invention provides a business processing method based on a bank counter, including:
generating and displaying a service two-dimensional code according to the service information, wherein the service two-dimensional code comprises a service identifier, a service type and a counter parameter;
receiving a service handling request forwarded by a mobile terminal through a service server, wherein the service handling request comprises the service identification, the service type, a bank account and the counter parameter; the service transaction request is sent by the mobile terminal after the mobile terminal scans the service two-dimensional code and acquires the bank account;
and prompting to process the service corresponding to the service type of the bank account if the counter parameter is judged to be matched with the local service terminal.
In a second aspect, the present invention further provides a method for processing a service based on a bank counter, including:
scanning a service two-dimensional code to obtain a service identifier, a service type and a counter parameter which are included in the service two-dimensional code; the business two-dimensional code is generated by the counter business terminal according to business information;
the method comprises the steps of obtaining a bank account selected by a client, and sending a service handling request to a service server so that the service server forwards the service handling request to the counter service terminal to perform service handling prompt corresponding to the service type on the bank account.
In a third aspect, the present invention provides a business processing apparatus based on bank counter, including:
the generating unit is used for generating and displaying a service two-dimensional code according to the service information, wherein the service two-dimensional code comprises a service identifier, a service type and a counter parameter;
the receiving unit is used for receiving a service handling request forwarded by the mobile terminal through a service server, wherein the service handling request comprises the service identifier, the service type, the bank account and the counter parameter; the service transaction request is sent by the mobile terminal after the mobile terminal scans the service two-dimensional code and acquires the bank account;
and the first prompting unit is used for prompting the bank account to process the service corresponding to the service type after judging that the counter parameter is matched with the local service terminal.
In a fourth aspect, the present invention further provides a business processing apparatus based on a bank counter, including:
the scanning unit is used for scanning the service two-dimensional code and acquiring a service identifier, a service type and counter parameters which are included in the service two-dimensional code; the business two-dimensional code is generated by the counter business terminal according to business information;
and the second sending unit is used for acquiring the bank account selected by the customer and sending a service handling request to the service server so that the service server forwards the service handling request to the counter service terminal to perform processing prompt of the service corresponding to the service type on the bank account.
In a fifth aspect, the present invention provides a computer device, including a memory, a processor, and a computer program stored in the memory and executable on the processor, where the processor executes the computer program to implement the method for processing a business based on a bank counter according to any of the above embodiments.
In a sixth aspect, the present invention provides a computer-readable storage medium, on which a computer program is stored, where the computer program, when executed by a processor, implements the method for processing a business based on a bank counter according to any of the above embodiments.
In a seventh aspect, the present invention provides a computer program product, where the computer program product includes a computer program, and when being executed by a processor, the computer program implements the business processing method based on bank counter in any of the above embodiments.
The business processing method and device based on the bank counter provided by the embodiment of the invention can generate and display the business two-dimensional code according to the business information, wherein the business two-dimensional code comprises the business identifier, the business type and the counter parameter, and receives the business processing request forwarded by the mobile terminal through the business server, the business processing request comprises the business identifier, the business type, the bank account and the counter parameter, and when the counter parameter is judged to be matched with the local business terminal, the business processing corresponding to the business type is prompted to be performed on the bank account, and when a client does not carry account media such as a bank card or a bankbook, the business processing can be performed, so that the business processing efficiency is improved.
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 structural diagram of a business processing system based on a bank counter according to a first embodiment of the present invention.
Fig. 2 is a schematic flow chart of a business processing method based on bank counter according to a second embodiment of the present invention.
Fig. 3 is a schematic flowchart of a business processing method based on bank counter according to a third embodiment of the present invention.
Fig. 4 is a schematic flow chart of a business processing method based on bank counter according to a fourth embodiment of the present invention.
Fig. 5 is a schematic structural diagram of a business processing apparatus based on a bank counter according to a fifth embodiment of the present invention.
Fig. 6 is a schematic structural diagram of a business processing device based on a bank counter according to a sixth embodiment of the present invention.
Fig. 7 is a schematic structural diagram of a business processing device based on a bank counter according to a seventh embodiment of the present invention.
Fig. 8 is a schematic physical structure diagram of a computer device according to an eighth embodiment of the present 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. It should be noted that the embodiments and features of the embodiments in the present application may be arbitrarily combined with each other without conflict.
According to the technical scheme, the data acquisition, storage, use, processing and the like meet relevant regulations of national laws and regulations.
Fig. 1 is a schematic structural diagram of a service processing system based on a bank counter according to a first embodiment of the present invention, and as shown in fig. 1, the service processing system based on the bank counter according to the embodiment of the present invention includes a counter service terminal 1, a mobile terminal 2, and a service server 3, where:
the service server 3 is respectively connected with the counter service terminal 1 and the mobile terminal 2 in a communication way. The counter service terminal 1 includes, but is not limited to, a desktop, an all-in-one machine, and other devices; the service server 3 includes, but is not limited to, a server; the mobile terminal 3 includes, but is not limited to, a smart phone, a tablet computer, and other devices having a mobile communication function.
The bank teller transacts the businesses such as transferring accounts and getting money for the client through the interaction of the counter business terminal 1 and the business server 3. The customer transacts the mobile banking business through the interaction of the mobile terminal 2 and the business server 3. The mobile terminal 2 can be equipped with a mobile phone bank for scanning operation.
The following describes a specific implementation process of the bank counter-based service processing method according to the embodiment of the present invention, by taking a counter service terminal as an execution subject.
Fig. 2 is a schematic flow chart of a service processing method based on a bank counter according to a second embodiment of the present invention, and as shown in fig. 2, the service processing method based on the bank counter according to the embodiment of the present invention includes:
s201, generating and displaying a service two-dimensional code according to service information, wherein the service two-dimensional code comprises a service identifier, a service type and a counter parameter; the service two-dimensional code is generated after a client passes identity authentication;
specifically, the customer transacts business at a bank counter, but does not carry a bank card. The customer can inform a bank teller of a business which the customer wants to handle, the bank teller inputs a business type at a counter business terminal according to the business which the customer wants to handle, triggers the counter business terminal to generate a unique corresponding business identifier for the business handling, and then generates a business two-dimensional code according to the business information by taking the business identifier, the business type and the counter parameter as business information. And the counter service terminal displays the generated service two-dimensional code for the client to scan through the mobile terminal. Understandably, in order to improve the security of the service two-dimensional code information, the service two-dimensional code can be encrypted.
The service types include but are not limited to banking services such as withdrawal, transfer and the like. The counter parameter uniquely corresponds to the counter service terminal and is used for determining the forwarded counter service terminal when the subsequent service server forwards the service handling request, the counter parameter can be a terminal identifier corresponding to the counter service terminal, and can also be set according to actual needs by adopting an IP address of a banking service end, and the embodiment of the invention is not limited.
S202, receiving a service handling request forwarded by a mobile terminal through a service server, wherein the service handling request comprises the service identification, the service type, a bank account and the counter parameter; the service transaction request is sent by the mobile terminal after the mobile terminal scans the service two-dimensional code and acquires the bank account;
specifically, the bank teller reminds a customer to open a mobile phone bank at the mobile terminal and scan the service two-dimensional code, and after the customer passes through the mobile terminal service two-dimensional code, the mobile terminal can analyze the service identification, the service type and the counter parameter included in the service two-dimensional code and prompts the customer to select a bank account for handling the service. The method comprises the steps that a customer selects a bank account used for handling business on the mobile terminal and confirms, the mobile terminal sends a business handling request to a business server after detecting the confirmation operation of the customer, and the business handling request comprises a business identifier, a business type, a bank account and counter parameters. And after receiving the service handling request, the service server obtains counter parameters, can determine counter service terminals corresponding to the counter parameters according to the counter parameters, and then forwards the service handling request to the counter service terminals corresponding to the counter parameters. The counter service terminal may receive the service transaction request. The bank account includes, but is not limited to, a bank card number, a passbook account number, and the like.
For example, the counter parameter is an IP address, and after obtaining the IP address from the service transaction request, the service server forwards the service transaction request to the counter service terminal corresponding to the IP address.
For example, the counter parameter is a terminal identifier corresponding to a counter service terminal, and the service server may obtain the terminal identifier from the service handling request, then obtain an IP address of the counter service terminal corresponding to the terminal identifier according to the terminal identifier included in the service handling request, and then forward the service handling request according to the IP address of the counter service terminal.
S203, if the counter parameter is judged to be matched with the local service terminal, prompting the bank account to process the service corresponding to the service type.
Specifically, after receiving the service handling request, the counter service terminal obtains counter parameters from the service handling request, and then judges whether the counter parameters included in the service handling request are the same as the counter parameters corresponding to the counter service terminal, if the counter parameters included in the service handling request are the same as the counter parameters corresponding to the counter service terminal, the counter parameters are matched with the counter service terminal, the counter service terminal prompts the bank counter to process the service corresponding to the service type of the bank account, and a bank teller can handle related services for clients on the bank counter. The specific process that the bank teller handles subsequent business for the customer after seeing the prompt of the counter business terminal is the prior art, and details are not described here.
For example, the counter parameter is a terminal identifier corresponding to a counter service terminal, and the service handling request includes a service identifier, a withdrawal, a bank account, and a counter parameter. The counter service terminal compares a terminal identifier included in the service handling request with a terminal identifier corresponding to the counter service terminal, if the terminal identifier included in the service handling request is the same as the terminal identifier corresponding to the counter service terminal, the counter service terminal displays prompt information on a screen, please handle withdrawal service for a client with a bank account XXX, and a bank teller can handle withdrawal service for the client after checking the prompt information.
The business processing method based on the bank counter provided by the embodiment of the invention can generate and display the business two-dimensional code according to the business information, wherein the business two-dimensional code comprises the business identifier, the business type and the counter parameter, and receives the business processing request forwarded by the mobile terminal through the business server, the business processing request comprises the business identifier, the business type, the bank account and the counter parameter, and when the counter parameter is judged to be matched with the local business terminal, the business processing corresponding to the business type is prompted to be performed on the bank account, and when a client does not carry account media such as a bank card or a bankbook, the business processing can be performed, so that the business processing efficiency is improved. In addition, because the customer is not required to carry the account medium, the customer is prevented from taking the account medium home and then returning the account medium to the bank for handling due to forgetting to carry the account medium, the convenience of business handling is improved, and the customer experience is improved.
Fig. 3 is a schematic flow chart of a service processing method based on a bank counter according to a third embodiment of the present invention, and as shown in fig. 3, on the basis of the foregoing embodiments, further before generating and displaying a service two-dimensional code according to service information, the method further includes:
s301, sending an identity authentication request to the service server, wherein the identity authentication request comprises an identity card number of a client;
specifically, in order to improve the security of service handling, when a customer handles service on a counter of a bank, the customer provides an identity card number to a bank teller, and the bank teller sends an identity authentication request to the service server through the counter service terminal, wherein the identity authentication request comprises the identity card number of the customer.
For example, the customer may provide an identification card to a bank teller or may provide an identification number to a bank teller without carrying the identification card.
S302, if the identity authentication passing information is received, prompting the client to pass the identity authentication; and the identity authentication passing information is sent after the service server verifies that the client is the client of the current bank based on the identity card number.
Specifically, after receiving the identity authentication request, the service server may verify whether the client corresponding to the identity card number is a home client, and if the client corresponding to the identity card number can be queried, the identity authentication is passed, and the service server may send identity authentication passing information to the counter service terminal. The counter service terminal prompts the client to pass identity authentication, and a bank teller can inquire the service which the client needs to handle and trigger the counter service terminal to generate a service two-dimensional code. It can be understood that, if the client corresponding to the identity card number is not queried, the service server sends identity authentication failure information to the counter service terminal, and the counter service terminal prompts that the client does not have identity authentication. The bank teller may communicate with the customer to re-provide the identification number or stop the transaction.
On the basis of the above embodiments, further, the service type is withdrawal or transfer.
Specifically, in the prior art, the service handling of withdrawing money or transferring accounts at a bank counter requires that a customer must provide account media such as a bank card or a bankbook, and through the service handling method based on the bank counter, the customer does not need to provide the account media when handling the withdrawing money or transferring accounts, so that the convenience of service handling of the customer is improved.
It should be noted that, although it is convenient to withdraw money from an automatic teller machine, some customers still need to handle services such as withdrawing money and transferring money at a bank counter because the automatic teller machine cannot be used.
The following describes a specific implementation process of the business processing method based on bank counter according to the embodiment of the present invention, taking a mobile terminal as an execution subject.
Fig. 4 is a schematic flow chart of a service processing method based on a bank counter according to a fourth embodiment of the present invention, and as shown in fig. 4, the service processing method based on the bank counter according to the embodiment of the present invention includes:
s401, scanning a service two-dimensional code to obtain a service identifier, a service type and a counter parameter which are included in the service two-dimensional code; the business two-dimensional code is generated by the counter business terminal according to business information;
specifically, the customer transacts business at a bank counter, but does not carry a bank card. The customer can inform a bank teller of a business which the customer wants to handle, the bank teller inputs a business type at a counter business terminal according to the business which the customer wants to handle, triggers the counter business terminal to generate a unique corresponding business identifier for the business handling, and then generates a business two-dimensional code according to the business information by taking the business identifier, the business type and the counter parameter as business information. And the counter service terminal displays the generated service two-dimensional code for the client to scan through the mobile terminal.
The customer can scan the service two-dimensional code through the mobile terminal, and the mobile terminal can analyze the service identification, the service type and the counter parameter included in the service two-dimensional code and prompt the customer to select a bank account for handling the service.
S402, obtaining a bank account selected by a customer, and sending a service handling request to a service server so that the service server forwards the service handling request to the counter service terminal to perform a service processing prompt corresponding to the service type on the bank account.
Specifically, the client selects a bank account for transacting the service on the mobile terminal and confirms the bank account, and after detecting the confirmation operation of the client, the mobile terminal sends a service transaction request to a service server, wherein the service transaction request comprises the service identifier, the service type, the bank account and the counter parameter. And after receiving the service handling request, the service server obtains counter parameters, can determine counter service terminals corresponding to the counter parameters according to the counter parameters, and then forwards the service handling request to the counter service terminals corresponding to the counter parameters. The counter service terminal may receive the service transaction request. After receiving the service handling request, the counter service terminal can judge whether counter parameters included in the service handling request are matched with the counter service terminal, if so, the counter service terminal can prompt a bank counter to process the service corresponding to the service type of the bank account, and a bank teller can handle related services for clients at the bank counter.
The business processing method based on the bank counter, provided by the embodiment of the invention, can scan the business two-dimensional code, obtain the business identifier, the business type and the counter parameter which are included by the business two-dimensional code, obtain the bank account selected by the client, and send the business handling request to the business server so that the business server forwards the business handling request to the counter business terminal to perform the processing prompt of the business corresponding to the business type on the bank account, so that the client can see the handling of the relevant business without carrying account media such as a bank card or a passbook, and the convenience of business handling is improved. In addition, because the customer does not need to carry the account medium, the customer is prevented from taking the account medium home and then returning the account medium to the bank for handling due to forgetting to carry the account medium, and the customer experience is improved.
Fig. 5 is a schematic structural diagram of a service processing apparatus based on a bank counter according to a fifth embodiment of the present invention, and as shown in fig. 5, the service processing apparatus based on a bank counter according to the embodiment of the present invention includes a generating unit 501, a receiving unit 502, and a first prompting unit 503, where:
the generating unit 501 is configured to generate and display a service two-dimensional code according to service information, where the service two-dimensional code includes a service identifier, a service type, and a counter parameter; the receiving unit 502 is configured to receive a service handling request forwarded by a mobile terminal through a service server, where the service handling request includes the service identifier, the service type, a bank account, and the counter parameter; the service transaction request is sent by the mobile terminal after the mobile terminal scans the service two-dimensional code and acquires the bank account; the first prompting unit 503 is configured to prompt to perform processing on the service corresponding to the service type on the bank account after it is determined that the counter parameter matches with the local service terminal.
Specifically, the customer transacts business at a bank counter, but does not carry a bank card. The customer can inform the bank teller of the business which the customer wants to handle, the bank teller inputs the business type according to the business which the customer wants to handle, the generating unit 501 is triggered to generate the only corresponding business identification for the business handling, and then the business identification, the business type and the counter parameter are used as business information to generate the business two-dimensional code according to the business information. The generating unit 501 displays the generated service two-dimensional code for the client to scan through the mobile terminal. It can be understood that, in order to improve the security of the service two-dimensional code information, the service two-dimensional code may be encrypted.
The bank teller reminds a customer to open a mobile phone bank at the mobile terminal and scan the service two-dimensional code, after the customer passes through the mobile terminal service two-dimensional code, the mobile terminal can analyze the service identification, the service type and the counter parameter included by the service two-dimensional code and prompts the customer to select a bank account for handling the service. The method comprises the steps that a client selects a bank account used for handling the business on the mobile terminal and confirms, the mobile terminal sends a business handling request to a business server after detecting the confirmation operation of the client, and the business handling request comprises a business identifier, a business type, the bank account and counter parameters. After receiving the service handling request, the service server obtains the counter parameters, determines the counter service terminal corresponding to the counter parameters according to the counter parameters, and then forwards the service handling request to the receiving unit 502 corresponding to the counter parameters. The receiving unit 502 may receive the service transaction request. The bank account includes, but is not limited to, a bank card number, a passbook account number, and the like.
After receiving the service handling request, the first prompting unit 503 obtains counter parameters from the service handling request, and then determines whether the counter parameters included in the service handling request are the same as the counter parameters corresponding to the counter service terminal, if the counter parameters included in the service handling request are the same as the counter parameters corresponding to the counter service terminal, then the counter parameters are matched with the counter service terminal, the first prompting unit 503 prompts the bank counter to process the service corresponding to the service type for the bank account, and the bank teller can handle the relevant services for the customer at the bank counter. The specific process that the bank teller handles subsequent business for the customer after seeing the prompt of the counter business terminal is the prior art, and details are not described here.
The business processing device based on the bank counter provided by the embodiment of the invention can generate and display the business two-dimensional code according to the business information, wherein the business two-dimensional code comprises the business identifier, the business type and the counter parameter, and receives the business handling request forwarded by the mobile terminal through the business server, the business handling request comprises the business identifier, the business type, the bank account and the counter parameter, and when the counter parameter is judged to be matched with the local business terminal, the business processing device prompts the bank account to process the business corresponding to the business type, and when a client does not carry account media such as a bank card or a bankbook, the business handling can be carried out, so that the business handling efficiency is improved. In addition, because the customer does not need to carry an account medium, the customer is prevented from taking the account medium home to return to a bank for handling due to forgetting to carry the account medium, the convenience of service handling is improved, and the customer experience is improved.
Fig. 6 is a schematic structural diagram of a service processing device based on a bank counter according to a sixth embodiment of the present invention, and as shown in fig. 6, on the basis of the foregoing embodiments, further, the service processing device based on a bank counter according to the embodiment of the present invention further includes a first sending unit 504 and a second prompting unit 505, where:
the first sending unit 504 is configured to send an identity authentication request to the service server, where the identity authentication request includes an identity card number of a client; the second prompting unit 505 is configured to, after receiving the identity authentication passing information, prompt the client to pass the identity authentication; and the identity authentication passing information is sent after the service server verifies that the client is the client of the current bank based on the identity card number.
On the basis of the above embodiments, further, the service type is withdrawal or transfer.
Fig. 7 is a schematic structural diagram of a service processing apparatus based on a bank counter according to a seventh embodiment of the present invention, and as shown in fig. 7, the service processing apparatus based on a bank counter according to the embodiment of the present invention includes a scanning unit 701 and a second sending unit 702, where:
the scanning unit 701 is configured to scan a service two-dimensional code, and obtain a service identifier, a service type, and a counter parameter included in the service two-dimensional code; the business two-dimensional code is generated by the counter business terminal according to business information; the second sending unit 702 is configured to obtain a bank account selected by a client, and send a service handling request to a service server, so that the service server forwards the service handling request to the counter service terminal, so as to perform a service processing prompt corresponding to the service type on the bank account.
Specifically, the customer transacts business at a bank counter, but does not carry a bank card. The customer can inform a bank teller of a business which the customer wants to handle, the bank teller inputs a business type at a counter business terminal according to the business which the customer wants to handle, triggers the counter business terminal to generate a unique corresponding business identifier for the business handling, and then generates a business two-dimensional code according to the business information by taking the business identifier, the business type and the counter parameter as business information. And the counter service terminal displays the generated service two-dimensional code for the client to scan through the mobile terminal.
Specifically, the customer may scan the service two-dimensional code through the scanning unit 701, and the scanning unit 701 may analyze the service identifier, the service type, and the counter parameter included in the service two-dimensional code, and prompt the customer to select a bank account used for handling the service.
The client selects a bank account used for transacting the service, and after the confirmation second sending unit 702 detects the confirmation operation of the client, sends a service transaction request to the service server, where the service transaction request includes the service identifier, the service type, the bank account, and the counter parameter. And after receiving the service handling request, the service server obtains counter parameters, can determine counter service terminals corresponding to the counter parameters according to the counter parameters, and then forwards the service handling request to the counter service terminals corresponding to the counter parameters. The counter service terminal may receive the service transaction request. After receiving the service handling request, the counter service terminal can judge whether counter parameters included in the service handling request are matched with the counter service terminal, if so, the counter service terminal can prompt a bank counter to process the service corresponding to the service type of the bank account, and a bank teller can handle related services for clients on the counter of the bank.
The business processing device based on the bank counter, provided by the embodiment of the invention, can scan the business two-dimensional code, obtain the business identifier, the business type and the counter parameter which are included by the business two-dimensional code, obtain the bank account selected by the customer, and send the business handling request to the business server so that the business server forwards the business handling request to the counter business terminal to process and prompt the business corresponding to the business type of the bank account, so that the customer can handle related business without carrying account media such as a bank card or a bankbook, and the convenience of business handling is improved. In addition, because the customer does not need to carry the account medium, the customer is prevented from taking the account medium home and then returning the account medium to the bank for handling due to forgetting to carry the account medium, and the customer experience is improved.
The embodiment of the apparatus provided in the embodiment of the present invention may be specifically configured to execute the processing procedure corresponding to the method embodiment, and the functions of the apparatus are not described herein again, and refer to the detailed description of the method embodiment.
It should be noted that the method and the device for processing the service based on the bank counter according to the embodiment of the present invention may be used in the financial field, and may also be used in any technical field other than the financial field.
Fig. 8 is a schematic physical structure diagram of a computer device according to an eighth embodiment of the present invention, and as shown in fig. 8, the computer device may include: a processor (processor)801, a communication Interface (Communications Interface)802, a memory (memory)803, and a communication bus 804, wherein the processor 801, the communication Interface 802, and the memory 803 communicate with each other via the communication bus 804. The processor 801 may call logic instructions in the memory 803 to perform the following method: generating and displaying a service two-dimensional code according to the service information, wherein the service two-dimensional code comprises a service identifier, a service type and a counter parameter; receiving a service handling request forwarded by a mobile terminal through a service server, wherein the service handling request comprises the service identification, the service type, a bank account and the counter parameter; the service transaction request is sent by the mobile terminal after the mobile terminal scans the service two-dimensional code and acquires the bank account; and prompting to process the service corresponding to the service type of the bank account if the counter parameter is judged to be matched with the local service terminal.
In addition, the logic instructions in the memory 803 may be implemented in the form of software functional units and stored in a computer readable storage medium when the logic instructions are sold or used as independent products. Based on such understanding, the technical solution of the present invention may be embodied in the form of a software product, which is stored in a storage medium and includes instructions for causing a computer device (which may be a personal computer, a server, or a network device) to execute all or part of the steps of the method according to the embodiments of the present invention. And the aforementioned storage medium includes: a U-disk, a removable hard disk, a Read-Only Memory (ROM), a Random Access Memory (RAM), a magnetic disk or an optical disk, and other various media capable of storing program codes.
The present embodiment discloses a computer program product comprising a computer program stored on a non-transitory computer readable storage medium, the computer program comprising program instructions which, when executed by a computer, enable the computer to perform the method provided by the above-mentioned method embodiments, for example, comprising: generating and displaying a service two-dimensional code according to the service information, wherein the service two-dimensional code comprises a service identifier, a service type and a counter parameter; receiving a service handling request forwarded by a mobile terminal through a service server, wherein the service handling request comprises the service identification, the service type, a bank account and the counter parameter; the service transaction request is sent by the mobile terminal after the mobile terminal scans the service two-dimensional code and acquires the bank account; and prompting to process the service corresponding to the service type of the bank account if the counter parameter is judged to be matched with the local service terminal.
The present embodiment provides a computer-readable storage medium, which stores a computer program, where the computer program causes the computer to execute the method provided by the above method embodiments, for example, the method includes: generating and displaying a service two-dimensional code according to the service information, wherein the service two-dimensional code comprises a service identifier, a service type and a counter parameter; receiving a service handling request forwarded by a mobile terminal through a service server, wherein the service handling request comprises the service identification, the service type, a bank account and the counter parameter; the service transaction request is sent by the mobile terminal after the mobile terminal scans the service two-dimensional code and acquires the bank account; and prompting to process the service corresponding to the service type of the bank account if the counter parameter is judged to be matched with the local service terminal.
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 flowchart illustrations and/or block diagrams, and combinations of flows and/or blocks in the flowchart illustrations 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 (11)
1. A business processing method based on bank counter is characterized by comprising the following steps:
generating and displaying a service two-dimensional code according to the service information, wherein the service two-dimensional code comprises a service identifier, a service type and a counter parameter;
receiving a service handling request forwarded by a mobile terminal through a service server, wherein the service handling request comprises the service identification, the service type, a bank account and the counter parameter; the service transaction request is sent by the mobile terminal after the mobile terminal scans the service two-dimensional code and acquires the bank account;
and prompting to process the service corresponding to the service type of the bank account if the counter parameter is judged to be matched with the local service terminal.
2. The method of claim 1, further comprising, before generating and displaying the service two-dimensional code according to the service information:
sending an identity authentication request to the service server, wherein the identity authentication request comprises an identity card number of the client;
if the identity authentication passing information is received, prompting the client to pass the identity authentication; and the identity authentication passing information is sent after the service server verifies that the client is the client of the current bank based on the identity card number.
3. Method according to claim 1 or 2, characterized in that the type of service is withdrawal or transfer.
4. A business processing method based on bank counter is characterized by comprising the following steps:
scanning a service two-dimensional code to obtain a service identifier, a service type and a counter parameter which are included in the service two-dimensional code; the business two-dimensional code is generated by the counter business terminal according to business information;
the method comprises the steps of obtaining a bank account selected by a client, and sending a service handling request to a service server so that the service server forwards the service handling request to the counter service terminal to perform service handling prompt corresponding to the service type on the bank account.
5. A business processing device based on bank counter, characterized by comprising:
the generating unit is used for generating and displaying a service two-dimensional code according to the service information, wherein the service two-dimensional code comprises a service identifier, a service type and a counter parameter;
the receiving unit is used for receiving a service handling request forwarded by the mobile terminal through a service server, wherein the service handling request comprises the service identifier, the service type, the bank account and the counter parameter; the service transaction request is sent by the mobile terminal after the mobile terminal scans the service two-dimensional code and acquires the bank account;
and the first prompting unit is used for prompting the bank account to process the service corresponding to the service type after the counter parameter is judged to be matched with the local service terminal.
6. The apparatus of claim 5, further comprising:
a first sending unit, configured to send an identity authentication request to the service server, where the identity authentication request includes an identity card number of a client;
the second prompting unit is used for prompting the client to pass the identity authentication after receiving the identity authentication passing information; and the identity authentication passing information is sent after the service server verifies that the client is the client of the current bank based on the identity card number.
7. The apparatus of claim 5 or 6, wherein the type of transaction is a withdrawal or a transfer.
8. A business processing device based on bank counter, characterized by comprising:
the scanning unit is used for scanning the service two-dimensional code and acquiring a service identifier, a service type and counter parameters which are included in the service two-dimensional code; the business two-dimensional code is generated by the counter business terminal according to business information;
and the second sending unit is used for acquiring the bank account selected by the customer and sending a service handling request to the service server so that the service server forwards the service handling request to the counter service terminal to perform processing prompt of the service corresponding to the service type on the bank account.
9. 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 one of claims 1 to 3 or implements the method of claim 4 when executing the computer program.
10. A computer-readable storage medium, characterized in that it stores a computer program which, when executed by a processor, implements the method of any one of claims 1 to 3, or implements the method of claim 4.
11. A computer program product, characterized in that the computer program product comprises a computer program which, when executed by a processor, implements the method of any one of claims 1 to 3, or implements the method of claim 4.
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| CN202210408944.7A CN115018612A (en) | 2022-04-19 | 2022-04-19 | Business processing method and device based on bank counter |
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Cited By (1)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN116258564A (en) * | 2023-03-09 | 2023-06-13 | 吉林银行股份有限公司 | Off-line channel card-free service processing method, system, device and server |
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Cited By (1)
| Publication number | Priority date | Publication date | Assignee | Title |
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| CN116258564A (en) * | 2023-03-09 | 2023-06-13 | 吉林银行股份有限公司 | Off-line channel card-free service processing method, system, device and server |
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