CN116777447B - A quick refund method, system, terminal and storage medium - Google Patents

Abstract

The invention relates to the technical field of fee refund, in particular to a quick fee refund method, a system, a terminal and a storage medium, comprising the following steps: receiving a user refund request, extracting a face image from the user refund request, and matching historical user information based on the face image, wherein the historical user information comprises historical identity card information, historical property card information and historical household registration information; extracting official data from a third party database based on the historical user information, the official data comprising official identification card information, official house property card information and official household registration information; judging whether the historical identity card information is matched with the official identity card information or not: if so, executing the refund operation. The invention is efficient and quick, does not need manual verification, does not need to go to a business hall for business in person, and solves the problems that the old is inconvenient to transact in person, the user name is inconsistent with the name of the user due to registration errors, and the like.

Description

A quick refund method, system, terminal and storage medium

Technical field

The invention belongs to the field of refund technology, and specifically relates to a quick refund method, system, terminal and storage medium.

Background technique

At present, there are many demolished villages, and tens of thousands of households are facing the task of refunding electricity bills. To refund the electricity fee in the demolition village, you need to bring a copy of your ID card and financial account to the power supply business hall in your jurisdiction to handle the refund procedure. After the leader signs, the process is initiated to the financial system for refund.

However, sometimes there are special circumstances. The elderly cannot go to the business hall to apply, and cannot authenticate themselves. Also, the user name is inconsistent with the person’s name due to a registration error. They need to provide real estate certificate, power of attorney and other documents, which requires a lot of materials. Moreover, the staff does not know whether the financial account provided by the user passes the ID card when making statistics. Each time, the staff needs to transfer 1 cent into the financial account to ensure that the financial account is correct, which is very cumbersome. Many people choose not to refund because their balance is only a few yuan. The workload of manual statistics is heavy and the work progress is delayed.

In the existing refund system, refunds require the person to go to the business hall to handle the refund in person. It is inconvenient for the elderly to handle the matter in person, and the staff cannot authenticate the person. The user name is inconsistent with the person's name due to a registration error, and a real estate certificate and a power of attorney are required. Waiting for documents, and being unable to confirm whether the financial account and ID card provided are passed.

Contents of the invention

In view of the existing technology, the electricity bill refund during demolition in the demolition village needs to be handled in person at the business hall. The user name is inconsistent with my name due to a registration error. It is necessary to provide the real estate certificate, power of attorney and other documents, and the financial account and identity provided cannot be confirmed. The problem of whether the certificate is passed or not. The present invention provides a quick refund method, system, terminal and storage medium to solve the above technical problems.

In a first aspect, the present invention provides a quick refund method, including:

Receive a user refund request, extract a facial image from the user refund request, and match historical user information based on the facial image. The historical user information includes historical ID card information, historical real estate certificate information, and historical household registration information;

Extract official data from a third-party database based on the historical user information. The official data includes official ID card information, official real estate certificate information, and official household registration information;

Determine whether the historical ID card information matches the official ID card information:

If so, perform refund operation;

If not, match the historical real estate certificate information with the official real estate certificate information;

If so, perform refund operation;

If not, determine whether the historical household registration information matches the official household registration information:

If the historical customer information matches the household registration information, a refund operation will be performed;

If the historical customer information does not match the household registration information, the refund operation will not be performed and a failure prompt message will be returned;

The refund operations include:

Query user balance data from local database;

Based on the balance data, the financial service platform's transaction balance to the user's financial account is retrieved.

In an optional implementation, the user's refund request also includes: an electronic power of attorney;

Extract authorization information from the electronic authorization letter, and match historical ID card information in historical user information based on the authorization information;

The power of attorney includes the name of the agent, the name of the principal, the identity card number of the principal, matters of agency, authority of agency, scope of agency, period of agency, signature and date of the principal.

Considering that there may be user groups in the demolition villages who cannot operate, this process is suitable for unrelated users who do not know how to operate. They can ask others to help them based on authorization.

In an optional implementation, the official data also includes:

Official financial account information, before the balance is transferred to the user's financial account, the user's financial account information is matched with the official financial account information. If the match is successful, the balance is transferred to the user's financial account. If the match is unsuccessful, the user is prompted to change the financial account. .

In an optional implementation, the third-party database includes:

Obtain official ID card information and official household registration information by connecting to the Public Security Bureau's identity system database, obtain official real estate certificate information by connecting to the Housing Authority database, and obtain financial account information by connecting to the financial institution database.

In a second aspect, the present invention provides a quick refund system, including: a comprehensive refund platform;

Facial recognition module, used to receive user refund requests, extract facial images from the user refund requests, and match historical user information based on the facial images. The historical user information includes historical ID card information, historical real estate certificate information, and historical user information. Household registration information;

The official information acquisition module is used to extract official data from a third-party database based on the historical user information, which includes historical ID card information, historical real estate certificate information, and historical household registration information;

Refund module, used for personal refund; determine whether the historical ID card information matches the official ID card information: if so, perform the refund operation; if not, compare the historical real estate certificate information with the official real estate certificate The information is matched; if yes, the refund operation will be performed; if not, the refund operation will not be performed and a failure prompt message will be returned;

The financial account judgment module is used to determine whether the user's financial account matches the official financial account; if so, the refund operation is performed; if not, the refund operation is not performed and a failure prompt message is returned;

The refund execution module queries user balance data from the local database; based on the balance data, retrieves the transaction balance from the financial service platform to the user's financial account.

In an optional implementation, the comprehensive refund platform also includes:

Authorization and refund module, including text extraction equipment, used to extract the name of the agent, the name of the principal, the principal's ID number, agency matters, agency authority, agency scope, agency period, and principal from the electronic power of attorney. signature and date, obtain the authorization information, and determine whether the historical ID card information matches the authorization information: if the historical user information matches the authorization information, perform a refund operation ; If the historical ID card does not match the authorization information, the refund operation will not be performed and a failure prompt message will be returned.

In an optional implementation, the comprehensive refund platform also includes:

The official financial account module is used to match the user's financial account information with the official financial account information before transferring the balance to the user's financial account. If the matching is successful, the balance will be transferred to the user's financial account. If the matching is unsuccessful, the user will be prompted to change Financial Accounts.

In an optional implementation, the official information acquisition module also includes a third-party database unit for obtaining official ID card information and official household registration information by connecting to the Public Security Bureau identity system database, and obtaining official ID card information and official household registration information by connecting to the Housing Management Bureau database. Real estate certificate information, financial account information is obtained by connecting to the financial institution database.

In the third aspect, a terminal is provided, including:

processor, memory, where,

This memory is used to store computer programs,

The processor is used to call and run the computer program from the memory, so that the terminal executes the above terminal method.

In a fourth aspect, a computer storage medium is provided. The computer-readable storage medium stores instructions, which when run on a computer, cause the computer to perform the methods described in the above aspects.

The beneficial effect of the present invention is that the quick refund method, system, terminal and storage medium provided by the invention can directly obtain the comprehensive refund platform by connecting it to the public security bureau identity system database, financial institution database and housing management bureau database. Official ID card information, official household registration information, financial account, official real estate certificate information. Directly compare the list of demolition users with the official data obtained to avoid information gap errors. Efficient and fast, no manual verification is required. Use facial recognition for refunds to prevent errors, and realize direct verification of financial accounts to prevent payment failures. There is no need to go to the business hall to handle it in person, which solves the inconvenience for the elderly to handle it in person, and the staff cannot verify whether they are themselves. The user name is inconsistent with my name due to a registration error. It is necessary to provide real estate certificate, power of attorney and other documents, and the financial account provided cannot be confirmed. Whether it is consistent with the ID card.

In addition, the design principle of the invention is reliable, the structure is simple, and it has very broad application prospects.

Description of the drawings

In order to more clearly illustrate the embodiments of the present invention or the technical solutions in the prior art, the drawings needed to be used in the description of the embodiments or the prior art will be briefly introduced below. Obviously, for those of ordinary skill in the art, It is said that other drawings can also be obtained based on these drawings without exerting creative work.

Figure 1 is a schematic flow chart of a method according to an embodiment of the present invention.

Figure 2 is a schematic block diagram of a system according to an embodiment of the present invention.

Figure 3 is a schematic structural diagram of a terminal provided by an embodiment of the present invention.

Detailed ways

In order to enable those skilled in the art to better understand the technical solutions in the present invention, the technical solutions in the embodiments of the present invention will be clearly and completely described below in conjunction with the accompanying drawings in the embodiments of the present invention. Obviously, the described The embodiments are only some of the embodiments of the present invention, not all of them. Based on the embodiments of the present invention, all other embodiments obtained by those of ordinary skill in the art without creative efforts should fall within the scope of protection of the present invention.

Unless otherwise defined, all technical and scientific terms used herein have the same meaning as commonly understood by one of ordinary skill in the technical field to which the invention belongs. The terminology used herein in the description of the invention is for the purpose of describing specific embodiments only and is not intended to limit the invention.

A quick refund method provided by an embodiment of the present invention is executed by a computer device. Correspondingly, a quick refund system runs in the computer device.

Figure 1 is a schematic flow chart of a method according to an embodiment of the present invention. Among them, the execution subject in Figure 1 can be a quick refund system. Depending on different needs, the order of steps in this flowchart can be changed, and some can be omitted.

As shown in Figure 1, the method includes:

Step 110: Receive a user refund request, extract a facial image from the user refund request, and match historical user information based on the facial image. The historical user information includes historical ID card information, historical real estate certificate information, and historical household registration information.

Step 120: Extract official data from a third-party database based on the historical user information. The official data includes official ID card information, official real estate certificate information, and official household registration information.

Step 130, determine whether the historical ID card information matches the official ID card information:

If so, perform refund operation;

If not, go to step 140;

Step 140, match the historical real estate certificate information with the official real estate certificate information;

If so, perform refund operation;

If not, go to step 150;

Step 150, determine whether the historical household registration information matches the official household registration information:

If the historical customer information matches the household registration information, a refund operation will be performed;

If the historical customer information does not match the household registration information, perform step 160;

S6, the refund operation will not be performed and a failure message will be returned;

The refund operations include:

Query user balance data from local database;

Based on the balance data, the financial service platform's transaction balance to the user's financial account is retrieved.

In order to facilitate understanding of the present invention, a quick refund method provided by the present invention will be further described below based on the principle of a quick refund method of the present invention and combined with the process of the refund method in the embodiment.

Specifically, a quick refund method includes:

S1. Receive the user's refund request, extract the facial image from the user's refund request, and match historical user information based on the facial image. The historical user information includes historical ID card information, historical real estate certificate information, and historical household registration information.

The user's refund request also includes: electronic power of attorney;

Extract authorization information from the electronic authorization letter, and match historical ID card information in historical user information based on the authorization information;

The electronic power of attorney includes the name of the agent, the name of the principal, the identity card number of the principal, matters of agency, authority of agency, scope of agency, period of agency, signature and date of the principal.

Specifically, when a certain village undergoes demolition, it will be reported by the village manager, and the demolition customer information will be stored uniformly on the platform by Marketing 2.0. The whole village refund process will be initiated on the platform, and each villager will enter the platform and conduct face-scanning authentication. That’s it. The facial features are obtained through the camera and compared with the facial information of the previously stored user identity information to verify the authenticity of the user's identity.

S2. Extract official data from a third-party database based on historical user information. The official data includes official ID card information, official real estate certificate information, and official household registration information.

Official data also include: official financial account information;

Before the balance is transferred to the user's financial account, the user's financial account information is matched with the official financial account information. If the match is successful, the balance is transferred to the user's financial account. If the match is unsuccessful, the user is prompted to change the financial account.

Third-party databases include:

Obtain official ID card information and official household registration information by connecting to the Public Security Bureau's identity system database, obtain official real estate certificate information by connecting to the Housing Authority database, and obtain financial account information by connecting to the financial institution database.

Specifically, the platform calls the financial institution interface through the API interface to verify the financial account provided by the user, realizing direct verification of the financial account without the occurrence of payment failure.

After confirming that the user's identity and financial account are correct, the platform initiates the entire village refund process. Send the refund information to the company's financial control system, and the finance department will perform the payment operation.

The platform can monitor the refund process in real time. If there is a problem, such as information verification failure, financial account verification failure, etc., the system will promptly remind users and staff to handle it.

S3. Determine whether the historical ID card information matches the official ID card information:

If so, perform refund operation;

If not, go to step S4.

Specifically, the four certificates are combined into one. If there is a name inconsistency, the real estate certificate information will be immediately used as a supplement to prove that if the electricity is related to the relationship between parents, it can also be judged through the household registration system of the public security system.

S4. Match the historical real estate certificate information with the official real estate certificate information;

If so, perform refund operation;

If not, go to step S5;

S5. Determine whether the historical household registration information matches the official household registration information:

If the historical customer information matches the household registration information, a refund operation will be performed;

If the historical customer information does not match the household registration information, execute step S6;

S6. The refund operation will not be performed and a failure message will be returned;

The refund operations include:

Query user balance data from local database;

Based on the balance data, the financial service platform's transaction balance to the user's financial account is retrieved.

Specifically, first, develop a mobile application platform to connect with the company's marketing 2.0 system, public security ID card system, bank system interface and housing management bureau interface through API interface. Ensure that the platform can obtain and integrate four types of information, including ID card information, household registration information, financial account and real estate certificate information. This information will be uniformly stored in the platform's database. The platform calls the public security ID card system through the API interface to verify the user's household registration information and compare the name, ID card number and other information to ensure the accuracy of the user's identity. Directly compare the list of demolition users with the obtained official information to avoid information gap errors.

Through the above implementation, this platform can effectively simplify the refund process, improve work efficiency, and reduce errors and audit burden. At the same time, data integration and real-time monitoring ensure the accuracy and safety of the refund process, improving user satisfaction and company operating efficiency.

In some embodiments, a quick refund system 200 may include multiple functional modules composed of computer program segments. The computer program of each program segment in a quick refund system 200 can be stored in the memory of the computer device and executed by at least one processor to perform the function of the refund method (see Figure 1 for details).

In this embodiment, a quick refund system 200 can be divided into multiple functional modules according to the functions it performs, as shown in Figure 2 . The functional modules may include: facial recognition module 210, official information acquisition module 220, refund module 230, financial account judgment module 240, and refund execution module 250. The module referred to in the present invention refers to a series of computer program segments that can be executed by at least one processor and can complete fixed functions, which are stored in the memory. In this embodiment, the functions of each module will be described in detail in subsequent embodiments.

Facial recognition module, used to receive user refund requests, extract facial images from the user refund requests, and match historical user information based on the facial images. The historical user information includes historical ID card information, historical real estate certificate information, and historical user information. Household registration information;

The official information acquisition module is used to extract official data from a third-party database based on the historical user information, which includes historical ID card information, historical real estate certificate information, and historical household registration information;

Refund module, used for personal refund; determine whether the historical ID card information matches the official ID card information: if so, perform the refund operation; if not, compare the historical real estate certificate information with the official real estate certificate The information is matched; if yes, the refund operation will be performed; if not, the refund operation will not be performed and a failure prompt message will be returned;

The financial account judgment module is used to determine whether the user's financial account matches the official financial account; if so, the refund operation is performed; if not, the refund operation is not performed and a failure prompt message is returned;

The refund execution module queries user balance data from the local database; based on the balance data, retrieves the transaction balance from the financial service platform to the user's financial account.

Optionally, as an embodiment of the present invention, the comprehensive refund platform also includes:

Authorization and refund module, including text extraction equipment, used to extract the name of the agent, the name of the principal, the principal's ID number, agency matters, agency authority, agency scope, agency period, and principal from the electronic power of attorney. signature and date, obtain the authorization information, and determine whether the historical ID card information matches the authorization information: if the historical user information matches the authorization information, perform a refund operation ; If the historical ID card does not match the authorization information, the refund operation will not be performed and a failure prompt message will be returned.

Optionally, as an embodiment of the present invention, the comprehensive refund platform also includes:

The official financial account module is used to match the user's financial account information with the official financial account information before transferring the balance to the user's financial account. If the matching is successful, the balance will be transferred to the user's financial account. If the matching is unsuccessful, the user will be prompted to change Financial Accounts.

Optionally, as an embodiment of the present invention, the official information acquisition module also includes:

The third-party database unit is used to obtain official ID card information and official household registration information by connecting to the identity system database of the Public Security Bureau, obtaining official real estate certificate information by connecting to the housing management bureau database, and obtaining financial account information by connecting to the database of financial institutions.

FIG. 3 is a schematic structural diagram of a terminal 300 provided by an embodiment of the present invention. The terminal 300 can be used to execute a quick refund method provided by an embodiment of the present invention.

The terminal 300 may include: a processor 310, a memory 320 and a communication module 330. These components communicate through one or more buses. Those skilled in the art can understand that the structure of the server shown in the figure does not limit the invention. It can be a bus structure, a star structure, or More or fewer components may be included than shown, or certain components may be combined, or may be arranged differently.

Among them, the memory 320 can be used to store execution instructions of the processor 310. The memory 320 can be implemented by any type of volatile or non-volatile storage terminals or their combination, such as static random access memory (SRAM), electronic Erasable programmable read-only memory (EEPROM), erasable programmable read-only memory (EPROM), programmable read-only memory (PROM), read-only memory (ROM), magnetic memory, flash memory, magnetic or optical disk . When the execution instructions in the memory 320 are executed by the processor 310, the terminal 300 is enabled to perform some or all of the steps in the following method embodiments.

The processor 310 is the control center of the storage terminal, using various interfaces and lines to connect various parts of the entire electronic terminal, by running or executing software programs and/or modules stored in the memory 320, and calling data stored in the memory, To perform various functions of the electronic terminal and/or process data. The processor may be composed of an integrated circuit (IC for short), for example, it may be composed of a single packaged IC, or it may be composed of multiple packaged ICs connected with the same function or different functions. For example, the processor 310 may only include a central processing unit (Central Processing Unit, CPU for short). In the embodiment of the present invention, the CPU may be a single computing core or may include multiple computing cores.

The communication module 330 is used to establish a communication channel so that the storage terminal can communicate with other terminals. Receive user data sent by other terminals or send user data to other terminals.

The present invention also provides a computer storage medium, wherein the computer storage medium can store a program, and when executed, the program can include some or all of the steps in the embodiments provided by the present invention. The storage medium may be a magnetic disk, an optical disk, a read-only memory (ROM) or a random access memory (RAM), etc.

Therefore, the present invention establishes a connection between the comprehensive refund platform and the third-party database by collecting the list of users who need to be refunded, directly obtains the official data of the third-party database based on the list of users who need to be demolished, and compares the obtained official data with historical user information. Match; if the official ID card information is verified successfully, there is no need to verify the real estate certificate information, which is convenient and efficient; if the official ID card information is verified inconsistently, the real estate certificate information will be verified. This process is suitable for the situation where the pre-stored information is incorrect; if the substitute has limited mobility and Elderly people who do not know how to operate can extract historical household registration information and match it with the official household registration information obtained from a third-party database; they can also perform authorization verification. This process is suitable for users who are not related and can be authorized based on authorization. Others can help with the process; after successful verification, the financial account verification is performed to realize direct verification of the financial account without the occurrence of payment failure. The technical effects achieved by this embodiment may be referred to the above description and will not be described again here.

Those skilled in the art can clearly understand that the technology in the embodiments of the present invention can be implemented by means of software plus the necessary general hardware platform. Based on this understanding, the technical solutions in the embodiments of the present invention can be embodied in the form of software products in essence or in part that contribute to the existing technology. The computer software products are stored in a storage medium such as a USB flash drive or mobile phone. Hard disk, read-only memory (ROM, Read-Only Memory), random access memory (RAM, Random Access Memory), magnetic disk or optical disk and other media that can store program code, including a number of instructions to make a computer terminal (It can be a personal computer, a server, or a second terminal, a network terminal, etc.) to execute all or part of the steps of the methods described in various embodiments of the present invention.

The same and similar parts among the various embodiments in this specification can be referred to each other. In particular, for the terminal embodiment, since it is basically similar to the method embodiment, the description is relatively simple. For relevant details, please refer to the description in the method embodiment.

In the several embodiments provided by the present invention, it should be understood that the disclosed systems and methods can be implemented in other ways. For example, the system embodiments described above are only illustrative. For example, the division of modules is only a logical function division. In actual implementation, there may be other division methods. For example, multiple modules or components may be combined or can be integrated into another system, or some features can be ignored, or not implemented. On the other hand, the coupling or direct coupling or communication connection between each other shown or discussed may be through some interfaces, indirect coupling or communication connection of the system or module, which may be in electrical, mechanical or other forms.

The modules described as separate components may or may not be physically separated, and the components shown as modules may or may not be physical modules, that is, they may be located in one place, or they may be distributed to multiple network modules. Some or all of the modules can be selected according to actual needs to achieve the purpose of the solution of this embodiment.

In addition, each functional module in various embodiments of the present invention can be integrated into one processing module, or each module can exist physically alone, or two or more modules can be integrated into one module.

Although the present invention has been described in detail with reference to the accompanying drawings in conjunction with preferred embodiments, the present invention is not limited thereto. Without departing from the spirit and essence of the invention, those of ordinary skill in the art can make various equivalent modifications or substitutions to the embodiments of the invention, and these modifications or substitutions should be within the scope of the invention/any Those skilled in the art can easily think of changes or substitutions within the technical scope disclosed in the present invention, and they should all be covered by the protection scope of the present invention. Therefore, the protection scope of the present invention should be determined by the protection scope of the claims.

Claims (8)

1. A quick return method, comprising:

receiving a user refund request, extracting a face image from the user refund request, and matching historical user information based on the face image, wherein the historical user information comprises historical identity card information, historical property card information and historical household registration information;

extracting official data from a third party database based on the historical user information, the official data comprising official identification card information, official house property card information and official household registration information;

judging whether the historical identity card information is matched with the official identity card information or not:

if yes, executing the fee refund operation;

if not, matching the historical property certificate information with the official property certificate information;

if yes, executing the fee refund operation;

if not, judging whether the historical household registration information is matched with the official household registration information or not:

if the historical customer information is matched with the household registration information, executing a refund operation;

if the historical customer information is not matched with the household registration information, not executing the refund operation, and returning failure prompt information;

the executing the refund operation includes:

inquiring balance data of the user from a local database;

based on the balance data, invoking a financial service platform to trade balance to a financial account of the user;

the user refund request further includes: electronic authorization commission;

extracting authorization commission information from the electronic authorization commission, and matching historical identity card information in historical user information according to the authorization commission information;

the electronic authorization proxy book comprises a proxy name, a proxy identity card number, proxy matters, proxy rights, a proxy scope, a proxy deadline and a signature and date of the proxy.

2. The method of claim 1, wherein the official data further comprises: official financial account information;

before the balance is traded to the financial account of the user, the financial account information of the user is matched with the official financial account information, if the balance is successfully traded to the financial account of the user, the user is prompted to replace the financial account if the balance is not successfully matched.

3. The method of claim 1, wherein the third party database comprises:

the official identity card information and the official account information are obtained through connection with the public security bureau identity system database, the official property card information is obtained through connection with the house management bureau database, and the financial account information is obtained through connection with the financial institution database.

4. A quick return system, comprising: a comprehensive refund platform;

the face recognition module is used for receiving a user refund request, extracting a face image from the user refund request, and matching historical user information based on the face image, wherein the historical user information comprises historical identity card information, historical property card information and historical household registration information;

the official information acquisition module is used for extracting official data from a third party database based on the historical user information, wherein the historical user information comprises historical identity card information, historical property card information and historical household registration information;

the refund module is used for refunding personal fees; judging whether the historical identity card information is matched with the official identity card information or not: if yes, executing the fee refund operation; if not, matching the historical property certificate information with the official property certificate information; if yes, executing the fee refund operation; if not, not executing the refund operation, and returning failure prompt information;

the financial account judging module is used for judging whether the financial account of the user is matched with the official financial account; if yes, executing the fee refund operation; if not, not executing the refund operation, and returning failure prompt information;

the refund execution module inquires balance data of the user from a local database; based on the balance data, invoking a financial service platform to trade balance to a financial account of the user;

the comprehensive refund platform further comprises:

the authorization commission refund module comprises character extraction equipment, is used for extracting the name of an agent, the name of a commissioned person, the identity card number of the commissioned person, the agent matters, the agent authority, the agent scope, the agent period and the signature and date of the commissioned person in the electronic authorization commission, and obtains authorization commission information; judging whether the historical identity card information is matched with the authorization delegation information or not: if the historical user information is matched with the authorization delegation information, executing a refund operation; if the historical identity card is not matched with the authorization delegation information, no refund operation is executed, and failure prompt information is returned.

5. The system of claim 4, wherein the integrated refund platform further comprises:

and the official financial account module is used for matching the financial account information of the user with the official financial account information before the balance is traded to the financial account of the user, and prompting the user to replace the financial account if the balance is traded to the financial account of the user successfully.

6. The system of claim 4, wherein the official information acquisition module further comprises:

and the third party database unit is used for acquiring the official identity card information and the official account information through connection with the public security bureau identity system database, acquiring the official property card information through connection with the house management bureau database and acquiring the financial account information through connection with the financial institution database.

7. A terminal, comprising:

the memory is used for storing a quick refund program;

a processor for implementing the steps of a quick refund procedure as claimed in any one of claims 1-3 when executing said quick refund procedure.

8. A computer readable storage medium storing a computer program, characterized in that the readable storage medium has stored thereon a fast refund program, which when executed by a processor, implements the steps of the fast refund method according to any of claims 1-3.