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Cross-bank card-free cash withdrawal processing method and device based on virtual account

A virtual account and processing method technology, applied in the field of cross-bank cardless cash withdrawal processing based on virtual accounts, can solve problems such as inability to realize cross-bank cardless cash withdrawals

Inactive Publication Date: 2019-10-11
INDUSTRIAL AND COMMERCIAL BANK OF CHINA
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  • Summary
  • Abstract
  • Description
  • Claims
  • Application Information

AI Technical Summary

Problems solved by technology

[0004] This application provides a virtual account-based inter-bank cardless cash withdrawal processing method and device to at least solve the problem that inter-bank cardless cash withdrawal cannot be realized in the prior art

Method used

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  • Cross-bank card-free cash withdrawal processing method and device based on virtual account
  • Cross-bank card-free cash withdrawal processing method and device based on virtual account
  • Cross-bank card-free cash withdrawal processing method and device based on virtual account

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Embodiment Construction

[0037] The following will clearly and completely describe the technical solutions in the embodiments of the present invention with reference to the accompanying drawings in the embodiments of the present invention. Obviously, the described embodiments are only some, not all, embodiments of the present invention. Based on the embodiments of the present invention, all other embodiments obtained by persons of ordinary skill in the art without making creative efforts belong to the protection scope of the present invention.

[0038] At present, there are two main channels for customers to withdraw cash at the bank: counter cash withdrawal and ATM machine cash withdrawal. These two channels support the bank's cash withdrawal and cardless cash withdrawal, as well as other banks' card cash withdrawal, but it is currently impossible to achieve cross-bank cardless cash withdrawal Withdraw cash. Based on this, the present application provides a virtual account-based cross-bank cardless c...

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Abstract

The invention provides a cross-bank card-free cash withdrawal processing method and device based on a virtual account. The cross-bank card-free cash withdrawal processing method comprises the steps ofestablishing the virtual account based on a virtual account establishment request; acquiring card hanging elements and forwarding the card hanging elements to a card issuing bank server for verification, wherein the card hanging elements comprise identity verification data, a withdrawal account number and a payment password; if the verification is passed, establishing a contrast relationship between the virtual account and the withdrawal account, and obtaining an initial withdrawal transaction voucher corresponding to the virtual account; receiving a cross-bank card-free withdrawal request and a real-time withdrawal transaction voucher sent by the ATM based on the virtual account; and sending a cross-bank card-free withdrawal request to a card issuing bank server, so that the card issuingbank server performs deduction processing. Cross-bank cash withdrawal is realized without a bank card, the payment safety and convenience are ensured, and convenience and better experience are brought to a user.

Description

technical field [0001] The application relates to the field of bank inter-bank withdrawal processing, in particular, to a virtual account-based inter-bank cardless cash withdrawal processing method and device. Background technique [0002] At present, there are two main channels for customers to withdraw cash at the bank: counter cash withdrawal and ATM machine cash withdrawal. These two channels support the bank's cash withdrawal and cardless cash withdrawal, as well as other banks' card cash withdrawal, but it is currently impossible to achieve cross-bank cardless cash withdrawal Withdraw cash. [0003] The bank’s cardless cash withdrawal usually makes an appointment on mobile banking to reserve the time and amount of cash withdrawal. After the appointment is successful, the user enters the mobile phone number or reservation number on the ATM, and the bank’s backstage system queries the reservation information, reads the withdrawal card number, withdrawal amount, etc. Inf...

Claims

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Application Information

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IPC IPC(8): G06Q20/38G06Q20/40G06Q40/02G06Q40/04G07F19/00
CPCG06Q20/3821G06Q20/4014G06Q20/40145G06Q40/02G06Q40/04G07F19/203
Inventor 赵明先贺克军林艳椿李健华
Owner INDUSTRIAL AND COMMERCIAL BANK OF CHINA
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