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Trading method and device for cardless cash withdrawal

A transaction method and transaction device technology, applied in data processing applications, protocol authorization, finance, etc., can solve problems such as inability to withdraw cash across banks, and achieve the effect of improving user experience

Inactive Publication Date: 2015-04-29
ZTE CORP
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  • Summary
  • Abstract
  • Description
  • Claims
  • Application Information

AI Technical Summary

Problems solved by technology

[0004] However, the existing cardless cash withdrawal method is only limited to the use within the scope of the bank, and cannot withdraw cash across banks

Method used

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  • Trading method and device for cardless cash withdrawal
  • Trading method and device for cardless cash withdrawal
  • Trading method and device for cardless cash withdrawal

Examples

Experimental program
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Effect test

no. 2 example

[0054] Based on the first embodiment and the second embodiment above, the method further includes:

[0055] Step S16, after the cardless cash withdrawal operation is successful, the second bank server sets a completed transaction identifier for the cardless cash withdrawal reservation information, and sends the cardless cash withdrawal reservation information set with the completed transaction identifier to the first bank server.

[0056] Specifically, after the user successfully completes the inter-bank no-card cash withdrawal operation through the cash withdrawal terminal authorized by the second bank server, the second bank server sets the completed transaction identification for the card-free cash withdrawal reservation information, and sets the completed transaction identification to the terminal. Cardless cash withdrawal appointment information is sent to the First Bank server. That is, the transaction information corresponding to the bank card number corresponding to th...

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Abstract

A transaction method and device for cardless cash withdrawal. When a cardless withdrawal reservation request of a user is received by a first bank server, same determines whether or not the reservation request is an interbank cardless cash withdrawal request and satisfies a cardless cash withdrawal criterion, when the reservation request is an interbank cardless cash withdrawal request and satisfies the cardless cash withdrawal criterion, determines a second bank server corresponding to bank identification information in the reservation request, and notifies the second bank server of cardless cash withdrawal information, thus allowing the second bank server to authorize a terminal controlled thereby to accept the cardless cash withdrawal made by the user. This implements interbank cardless cash withdrawal, and facilitates the user to make promptly a cardless cash withdrawal operation at a cash withdrawal terminal that is nearest in an area where self is located, thus enhancing user experience.

Description

technical field [0001] The invention relates to the field of bank transactions, in particular to a transaction method and device for cash withdrawal without a card. Background technique [0002] In daily life, everyone has applied for a lot of bank cards, which is very inconvenient to manage, and problems such as loss and damage will occur when they are often carried on the body. However, it is very inconvenient when you need to use money without your bank card. Cardless withdrawal came into being under this background. [0003] Most of the current cardless cash withdrawal services are reserved through mobile banking. With the mobile phone number, reservation number, random password sent by the bank and other information, you can go to the cash withdrawal terminal of your bank within the valid reservation period to perform cardless cash withdrawal. For example, Ping An Bank, after the cardholder opens the mobile banking service, pre-books a cash withdrawal without a card t...

Claims

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Application Information

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Patent Type & Authority Applications(China)
IPC IPC(8): G06Q40/02G06Q40/04
CPCG06Q40/02G06Q20/1085G06Q20/10G06Q20/388G06Q20/40
Inventor 段厚勇
Owner ZTE CORP
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