CN111709836A - A method and device for realizing revocation of bank account - Google Patents

Abstract

The embodiment of the present application discloses a method and device for revoking a bank account, including: in response to a request for revoking a bank account, acquiring user identification card information through a near field communication technology, and acquiring user identification information corresponding to the user identification card information from a banking system And the bank card information corresponding to the user identity information. When the bank card information includes an inactive bank card and an activated bank card whose status meets the preset conditions, the bank card cancellation instruction is sent to the banking system. After the cancellation is completed, the bank account cancellation instruction is sent to the banking system. Complete the cancel bank account operation. As a result, the user can realize identity verification through the portable terminal device, thereby obtaining the relevant bank card information of the user. In the case where the user does not carry a bank card, the smart self-service counter can also be used to cancel the bank account, which improves the utilization rate of the user. Smart self-service counters enable flexibility in withdrawing bank accounts for user convenience.

Description

A method and device for realizing revocation of bank account

technical field

The present application relates to the technical field of data processing, and in particular to a method and device for realizing revocation of a bank account.

Background technique

Currently, users can use the bank's smart self-service counter to handle various banking services, such as the cancellation of bank accounts. In the prior art, when a user uses an intelligent self-service counter to cancel a bank account, the user needs to carry an ID card and various bank cards under the user's name to handle the business of canceling a bank account through the intelligent self-service counter. However, when the user does not carry some bank cards, they need to go through the manual counter. Therefore, the existing method of canceling a bank account through an intelligent self-service counter has relatively large usage limitations, causing inconvenience to users.

SUMMARY OF THE INVENTION

In view of this, the embodiments of the present application provide a method and apparatus for canceling a bank account, so as to improve the flexibility of realizing the cancellation of a bank account and facilitate the use of the user.

In order to solve the above problems, the technical solutions provided by the embodiments of the present application are as follows:

A method for realizing the cancellation of a bank account, the method comprising:

In response to a request to cancel a bank account, obtain user identification card information through near field communication technology;

Obtain the user identity information corresponding to the user identity card information and the bank card information corresponding to the user identity information from the banking system;

When the bank card information includes an inactive bank card, a prompt message on whether to cancel the inactive bank card is displayed;

In response to the request for canceling the inactive bank card, sending a cancellation instruction for the inactive bank card to the banking system, so that the banking system performs a cancellation operation on the inactive bank card;

When the bank card information includes an activated bank card, obtain the status of the activated bank card from the bank system;

When the state of the activated bank card meets the preset condition, sending a cancellation instruction for the activated bank card to the bank system, so that the bank system performs a cancellation operation on the activated bank card;

Sending an instruction to cancel the bank account to the banking system, and after the banking system completes the operation of canceling the bank account, a prompt message for canceling the bank account is displayed.

In a possible implementation manner, the activated bank card includes a debit card and a credit card, and when the bank card information includes an activated bank card, the activated bank card is obtained from the bank system The status of the bank card, including:

When the bank card information includes an activated bank card, obtain the state of the debit card and the state of the credit card from the bank system;

When the status of the debit card is that there is no balance and the status of the credit card is that there is no arrears, it is determined that the status of the activated bank card meets a preset condition.

In a possible implementation, the method further includes:

When the state of the debit card is that there is a balance, display the prompt information of the debit card balance withdrawal or transfer;

In response to a balance withdrawal or transfer request, triggering the banking system to perform a balance withdrawal or transfer process;

When the state of the credit card is that there is arrears, display the prompt information of the credit card repayment;

In response to the credit card repayment request, the banking system is triggered to perform credit card repayment processing.

In a possible implementation manner, after sending a cancellation instruction for the activated bank card to the banking system, so that the banking system performs a cancellation operation on the activated bank card, send the cancellation instruction to the banking system Before sending the instruction to cancel the bank account, the method further includes:

Acquire the payment status of the signing agreement corresponding to the user identity information from the banking system;

If the payment status of the signed agreement is that there is a signed agreement to pay, cancel the signed agreement to pay;

After the payment under the signed agreement is cancelled or if the payment status of the signed agreement is that there is no payment under the signed agreement, it is triggered to send an instruction to cancel the bank account to the banking system.

In a possible implementation manner, if the payment status of the signed agreement is that there is a signed agreement payment, cancel the signed agreement payment, including:

If the payment status of the signed agreement is that there is a signed agreement payment, obtain the merchant information corresponding to the signed agreement payment;

Sending a payment instruction for canceling the contract agreement to the merchant system corresponding to the merchant information, so that the merchant system cancels the contract agreement payment.

A device for realizing cancellation of a bank account, the device comprising:

a first acquiring unit, configured to acquire user identification card information through a near field communication technology when responding to a request for canceling a bank account;

a second obtaining unit, configured to obtain the user identity information corresponding to the user identity card information and the bank card information corresponding to the user identity information from the banking system;

a display unit, configured to display a prompt message whether to cancel the inactive bank card when the bank card information includes an inactive bank card;

a first sending unit, configured to send a cancellation instruction for the inactive bank card to the banking system in response to a request for canceling an inactive bank card, so that the banking system performs a cancellation operation on the inactive bank card ;

a third acquiring unit, configured to acquire the status of the activated bank card from the banking system when the bank card information includes an activated bank card;

a second sending unit, configured to send a cancellation instruction for the activated bank card to the banking system when the state of the activated bank card meets a preset condition, so that the banking system can card to cancel the operation;

The third sending unit is configured to send an instruction to cancel the bank account to the banking system, and after the banking system completes the operation of canceling the bank account, a prompt message for canceling the bank account is displayed.

In a possible implementation manner, the activated bank card includes a debit card and a credit card, and the third acquiring unit includes:

a first obtaining subunit, configured to obtain the state of the debit card and the state of the credit card from the bank system when the bank card information includes an activated bank card;

A determination subunit, configured to determine that the status of the activated bank card meets a preset condition when the status of the debit card is that there is no balance and the status of the credit card is that there is no arrears.

In a possible implementation manner, the third obtaining unit further includes:

a first display subunit, configured to display the prompt information of the debit card balance withdrawal or transfer when the state of the debit card is a balance;

a first triggering subunit, configured to trigger the banking system to perform balance withdrawal or transfer processing when responding to a balance withdrawal or transfer request;

The second display subunit is used to display the prompt information of the credit card repayment when the state of the credit card is in arrears;

The second triggering subunit is configured to trigger the bank system to perform credit card repayment processing when responding to a credit card repayment request.

In a possible implementation, the apparatus further includes:

a fourth acquiring unit, configured to acquire, from the banking system, the signing agreement payment status corresponding to the user identity information after the second sending unit sends a cancellation instruction for the activated bank card to the banking system;

A canceling unit, configured to cancel the contractual agreement payment if the contractual agreement payment status is that the contractual agreement payment exists;

A triggering unit, configured to trigger the third sending unit to send a bank account cancellation instruction to the banking system after the contractual agreement payment is cancelled or if the contractual agreement payment status is that there is no contractual agreement payment.

In a possible implementation manner, the releasing unit includes:

a second obtaining subunit, configured to obtain the merchant information corresponding to the contractual payment if the contractual agreement payment status is that the contractual agreement payment exists;

The sending subunit is configured to send a payment instruction for canceling the contract agreement to the merchant system corresponding to the merchant information, so that the merchant system cancels the contract agreement payment.

It can be seen that the embodiments of the present application have the following beneficial effects:

The embodiment of the present application provides a method for revoking a bank account. In response to a request for revoking a bank account, the user identification card information is obtained through the near field communication technology, and the user identification information corresponding to the user identification card information is obtained from the banking system and The bank card information corresponding to the user identity information. When the bank card information includes an inactive bank card, a prompt message on whether to cancel the inactive bank card will be displayed. Log out the inactive bank card. When the bank card information includes an activated bank card, the state of the activated bank card is obtained from the bank system, and when the state of the activated bank card meets the preset conditions, a cancellation instruction for the activated bank card is sent to the bank system to Make the bank system perform the cancellation operation on the activated bank card. Finally, an instruction to cancel the bank account is sent to the banking system, and after the banking system completes the operation of canceling the bank account, a prompt message for canceling the bank account is displayed. As a result, users can realize identity verification through the terminal equipment they carry, so as to obtain the relevant bank card information of the user. When the user does not carry certain bank cards, they can also handle the business of canceling bank accounts through the intelligent self-service counter, which improves the utilization rate of the user. Smart self-service counters enable flexibility in withdrawing bank accounts for user convenience.

Description of drawings

FIG. 1 is a schematic diagram of an exemplary application scenario for implementing a method for canceling a bank account provided by an embodiment of the present application;

FIG. 2 is a flowchart of a method for realizing revocation of a bank account provided by an embodiment of the present application;

FIG. 3 is a flowchart of another method for realizing revocation of a bank account provided by an embodiment of the present application;

FIG. 4 is a schematic diagram of a device for implementing bank account cancellation according to an embodiment of the present application.

Detailed ways

In order to make the above objects, features and advantages of the present application more clearly understood, the embodiments of the present application will be described in further detail below with reference to the accompanying drawings and specific implementation manners.

In order to facilitate understanding and explanation of the technical solutions provided by the embodiments of the present application, the background technology of the embodiments of the present application is first described below.

When users go to the bank to handle related business, they can choose to do it at the manual counter or at the intelligent self-service counter. The intelligent self-service counter does not require manual operation, is simple and convenient, and has achieved great development. The inventor found that users need to carry their ID cards and various bank cards under their names when they use the bank's intelligent self-service counter to cancel the bank account. If the user does not carry certain bank cards when handling the business of canceling the bank account, he can only handle the business through the manual counter. Therefore, the existing business of canceling bank accounts through intelligent self-service counters has great limitations and lacks flexibility to deal with some situations, which will cause inconvenience to users.

Based on this, the embodiment of the present application provides a method for realizing revocation of a bank account, which can be applied to an intelligent self-service counter, and the method includes:

In response to the request for canceling the bank account, the user's identification card information is obtained through the near field communication technology, and the user identification information corresponding to the user identification card information and the bank card information corresponding to the user identification information are obtained from the banking system. When the bank card information includes an inactive bank card, a prompt message indicating whether to cancel the inactive bank card is displayed. If the user requests to cancel the inactive bank card, a cancellation instruction for the inactive bank card is sent to the banking system in response to the request. , so that the bank system can cancel the inactive bank card. When the bank card information includes an activated bank card, the state of the activated bank card is obtained from the bank system, and when the state of the activated bank card meets the preset conditions, a cancellation instruction for the activated bank card is sent to the bank system to Make the bank system perform the cancellation operation on the activated bank card. Finally, a bank account cancellation instruction is sent to the banking system, and after the banking system completes the bank account cancellation operation, a prompt message for canceling the bank account is displayed.

In order to facilitate understanding of the method for revoking a bank account provided by the embodiment of the present application, the following describes the application scenario provided by the embodiment of the present application with reference to FIG. 1 , wherein FIG. 1 is an exemplary method for realizing the revocation of a bank account provided by the embodiment of the present application Schematic diagram of the application scenario. Wherein, the method for realizing revocation of a bank account provided by the embodiment of the present application may be applied to the intelligent self-service counter 101 .

It should be noted that a smart self-service counter is a self-service counter installed at a bank outlet. Customers can insert their ID card or bank card at the smart counter to enter transaction information by themselves, handle new card issuance, sign contracts with cards, print running water, Password loss reporting and other non-cash services.

In practical applications, the user requests to cancel the bank account on the intelligent self-service counter 101, and the intelligent self-service counter 101 responds to the request, obtains the user identification card information, and sends the identification card information to the banking system 102, and the banking system 102 according to the identification card information The information obtains the user's identity information and the bank card information corresponding to the user's identity information, and returns the obtained identity information and bank card information to the intelligent self-service counter 101 .

When the obtained bank card information includes an inactive bank card, it is displayed to the user and prompted whether the user needs to cancel the inactive bank card. In response to the user's request for canceling the inactive bank card, the intelligent self-service counter 101 sends a cancellation instruction for the inactive bank card to the banking system 102, so that the banking system 102 performs a cancellation operation for the inactive bank card.

When the obtained bank card information includes an activated bank card, the intelligent self-service counter 101 obtains the status of the activated bank card from the bank system 102 . When the obtained status of the activated bank card meets the preset conditions, the intelligent self-service counter 101 sends a cancellation instruction for the activated bank card to the banking system 102, so that the bank system 102 performs a cancellation operation for the activated bank card.

When the above operations are completed, the intelligent self-service counter 101 sends an instruction to cancel the bank account to the banking system 102 . After the banking system 102 completes the operation of canceling the bank account, the intelligent self-service counter 101 displays to the user a prompt message that the bank account has been canceled.

Those skilled in the art can understand that the schematic diagram shown in FIG. 1 is only an example in which the embodiments of the present application can be implemented, and the application scope of the embodiments of the present application is not limited by any aspect of the framework.

In order to facilitate the understanding of the technical solutions provided by the embodiments of the present application, the following describes the method for realizing the cancellation of a bank account provided by the embodiments of the present application with reference to the accompanying drawings.

Referring to FIG. 2 , which is a flowchart for realizing revocation of a bank account provided by an embodiment of the present application. As shown in FIG. 2 , the method may include S201-S207:

S201: In response to the request for canceling the bank account, acquire user identification card information through a near field communication technology.

When a user handles some business at the smart self-service counter, for example, when canceling a bank account, the user can trigger a request to cancel the bank account through the smart self-service counter. For example, a request to cancel a bank account can be triggered by clicking the Cancel Bank Account button on the smart self-service counter.

Further, the intelligent self-service counter responds to the user's request to cancel the bank account, in order to realize the verification of the user's identity, the user's identification card information can be obtained through NFC (Near Field Communication, near field communication technology). Among them, NFC is a non-contact identification and interconnection technology, which can perform short-range wireless communication between mobile devices, consumer electronics, personal computers and smart control tools. For example, information exchange can be completed through mobile phones without using mobile Network is an emerging mobile data exchange method. The identification card information may be SIM (Subscriber Identity Module, user identification module) card information, and the identification card information may include the mobile phone number of the SIM card. In the banking system, the mobile phone number is usually bound to the user account, so that the banking system can determine the user's identity by identifying the mobile phone number in the card information.

In specific implementation, optionally, an NFC module is installed on the side of the smart self-service counter. After the user clicks the cancel bank account button on the smart self-service counter, the smart self-service counter responds to the user's request and displays to the user "Please move your mobile phone to the NFC module on the side of the smart self-service counter", then the smart self-service counter can use the NFC module and the user's mobile phone. Obtain the identification card information of the user's mobile phone. The identification card information is mainly the user's mobile phone number in the identification card information.

S202: Obtain user identity information corresponding to the user identification card information and bank card information corresponding to the user identity information from the banking system.

After obtaining the user's identification card information, the intelligent self-service counter sends the user's identification card information to the banking system, and the banking system queries the user identification information and bank card information corresponding to the identification card information through the received identification card information of the user, and Send the obtained user identity information and bank card information to the intelligent self-service counter.

When specifically implemented, the smart self-service counter obtains the user's identification card information, which mainly refers to the smart self-service counter obtaining the user's mobile phone number. After that, the smart self-service counter sends the user's mobile phone number to the user center of the banking system, and the user center is used to query the identity information corresponding to the mobile phone number through the mobile phone number, and send the obtained identity information to the smart self-service counter and the card management in the banking system. center. The card management center obtains all bank card information under the customer's name through the user's identity information, and sends the bank card information to the intelligent self-service counter. Finally, the intelligent self-service counter receives the user's identity information and bank card information sent by the banking system.

It should be noted that, the identity information of the user in the embodiment of the present application mainly refers to the identity card number of the user. The bank card information received by the intelligent self-service counter includes the card numbers, activation status, signing agreements and other information of all bank cards under the user's bank account.

S203: When the bank card information includes an inactive bank card, a prompt message of whether to cancel the inactive bank card is displayed.

After the intelligent self-service counter obtains all bank card information under the bank account, since the bank card information contains the current activation status of the bank card, the intelligent self-service terminal can know whether the bank cards under the bank account of the user are all activated. If you have an inactive bank card, you need to cancel the inactive bank card before you can cancel the bank account.

In specific implementation, when the bank card information includes an inactive bank card, the intelligent self-service counter displays to the user through the display screen prompt information that the user has an inactive bank card. The prompt information is used to remind the user that the subsequent operation of canceling the bank account can only be performed after canceling the inactive bank card. In addition, the smart self-service counter also displays the information of the inactive bank card, so that the user can trigger the request to cancel the inactive bank card according to the prompt information and the information of the inactive bank card.

S204: In response to the request to cancel the inactive bank card, send a cancellation instruction for the inactive bank card to the banking system, so that the banking system performs a cancellation operation on the inactive bank card.

When the user confirms the cancellation of the inactive bank card, the intelligent self-service counter sends a cancellation instruction for the inactive bank card to the banking system in response to the user's request to cancel the inactive bank card. After receiving the cancellation instruction, the banking system executes the cancellation of the inactive bank card. When implemented, the smart self-service counter sends a card cancellation instruction to the card management center in the banking system, and the card management center executes the cancellation of the inactive bank card, and feeds back the confirmation information of the cancellation to the smart self-service counter after the cancellation is completed. .

Through the above-mentioned implementation manner of the present application, even if the customer does not bring an inactive card, the user can avoid going to the manual counter to cancel the bank account business, which improves the flexibility of the intelligent self-service counter for canceling the bank account business, and provides users with a great deal of convenience. convenience.

S205: When the bank card information includes an activated bank card, obtain the status of the activated bank card from the banking system.

After the smart self-service counter obtains the user's bank card information, if the bank card information includes an activated bank card, it can query the status of the activated bank card through the banking system and send the status of the activated bank card to the smart self-service counter. In some implementations, the activated bank card includes a debit card and a credit card, and the status of the activated bank card is obtained from the banking system, including obtaining the status of the debit card and the status of the credit card from the banking system.

Further, it is necessary to judge the state of the debit card and the state of the credit card to determine whether the state meets the preset conditions. When the state of the debit card and the state of the credit card both meet the preset conditions, the subsequent cancellation can be performed. Bank card operation. Wherein, during specific implementation, judging whether the state of the debit card and the state of the credit card meet the preset conditions includes the following steps:

When the status of the debit card is that there is no balance and the status of the credit card is that there is no arrears, it is determined that the status of the activated bank card meets the preset condition.

When the status of the debit card is that there is a balance, the prompt information of the debit card balance withdrawal or transfer is displayed, and in response to the balance withdrawal or transfer request, the bank system is triggered to perform balance withdrawal or transfer processing.

When the status of the credit card is in arrears, prompt information of credit card repayment is displayed, and in response to the credit card repayment request, the bank system is triggered to perform credit card repayment processing.

It can be understood that, when judging whether the state of the debit card and the state of the credit card meet the preset conditions, the states of the debit card and the credit card need to be judged respectively. When the intelligent self-service counter determines whether the status of the debit card meets the preset conditions, it needs to determine whether the status of the debit card has a balance. If there is no balance, the preset conditions are met. If there is a balance in the status of the debit card, the smart self-service counter can prompt the user to withdraw the balance or transfer the money to other banks. When the user triggers the operation of withdrawing the balance or transferring the money to other banks, the banking system will perform the relevant operations. When the intelligent self-service counter determines whether the status of the credit card meets the preset conditions, it needs to determine whether the status of the credit card is in arrears. If there is no arrears, the preset conditions are met. If there is arrears, the intelligent self-service counter prompts the user to repay, the user triggers the repayment operation, and the banking system executes the relevant operation.

It should be noted that the subsequent steps of canceling the activated bank, that is, canceling the activated debit card and credit card, can be performed only when the states of the debit card and the credit card meet the preset conditions. When the status of the debit card is a balance or/and when the status of the credit card is arrears, the bank system is used to process the bank card correspondingly. After the processing is completed, the intelligent self-service counter will re-obtain from the bank system. The state of the debit card and the state of the credit card in the bank card information, until the state of the debit card is that there is no balance and the state of the credit card is that there is no debt.

S206: When the status of the activated bank card meets the preset condition, send a cancellation instruction for the activated bank card to the banking system, so that the banking system performs a cancellation operation on the activated bank card.

When the intelligent self-service counter determines that the status of the user's activated bank card meets the preset conditions, the intelligent self-service counter sends a cancellation instruction to the banking system, so that the banking system can perform a cancellation operation on the activated bank cards that meet the preset conditions. Wherein, the status of the activated bank card meeting the preset conditions includes that the status of the debit card is that there is no balance and the status of the credit card is that there is no arrears.

The intelligent self-service counter sends the cancellation instruction of the activated bank card to the banking system, including the instruction to cancel both the debit card and the credit card, so that the bank system can cancel the activated debit card and the credit card. . When specifically implemented, the intelligent self-service counter sends a debit card cancellation instruction to the debit card center of the banking system, and the debit card center executes the debit card cancellation operation after responding to the cancellation instruction. The intelligent self-service counter sends a credit card cancellation instruction to the credit card center of the banking system, and the credit card center executes the cancellation of the credit card after responding to the cancellation instruction.

S207: Send an instruction to cancel the bank account to the banking system, and after the banking system completes the operation of canceling the bank account, a prompt message for canceling the bank account is displayed.

After canceling all inactive cards and activated cards under the user's bank account, the intelligent self-service counter can send an instruction to cancel the user's bank account to the banking system, and the banking system responds to the instruction to cancel the bank account, and the The user's bank account is cancelled. After the banking system completes the operation of canceling the bank account, the intelligent self-service counter displays to the user a prompt message that the cancellation of the bank account has been completed. When specifically implemented, the intelligent self-service counter sends an instruction to cancel the bank account to the user core system of the banking system, and the user core system responds to the instruction and performs account cancellation processing for the bank account.

Through the technical solution of this embodiment, it is possible to detect whether the user has an inactive bank card, whether the activated debit card has a balance or the activated credit has arrears, and the bank system can check whether the inactive bank card is in arrears. The debit card that has no balance and the credit card that does not have arrears, that is, the bank card that meets the preset conditions, is canceled. As a result, the user can realize identity verification through the terminal device carried, and then obtain the relevant bank card information of the user, so that when the user does not carry some bank cards, the business of canceling the bank account can also be handled through the intelligent self-service counter, which improves the performance of the user. Smart self-service counters enable flexibility in withdrawing bank accounts for user convenience.

In some implementations of this embodiment, if there is a bank card in the bank card information that has signed an agreement to pay, for example, the bank card has signed an automatic renewal function (utility fee, video membership, expenses, etc.), direct cancellation will cause payment failure, giving inconvenience to users. Therefore, after the bank card is cancelled, the agreement payment existing in the bank card must be cancelled, and then the bank account can be cancelled.

Specifically, FIG. 3 is a flowchart of another implementation of canceling a bank account according to an embodiment of the present application. As shown in FIG. 3, after S206 and before S207, this embodiment may further include steps S301-S303, for example, as follows:

S301: Acquire, from the banking system, the payment status of the signing agreement corresponding to the user identity information.

In this embodiment, agreement payment means that the user signs an agreement with the bank to bind the user's bank card number with the merchant's associated account number. When performing payment operations, the user can directly input the merchant's associated account number and password for payment.

After cancelling the inactive bank card and the activated bank card, the banking system obtains the payment status of the contract agreement corresponding to the user's identity information, and sends it to the intelligent self-service counter. Specifically, the payment management center in the banking system obtains the payment status of the contract agreement of the corresponding bank card through the user's ID number, including the bank card and the payment status of the contract agreement of the merchant corresponding to the bank card, and will obtain the contract agreement payment status of the obtained bank card. The agreement payment status is sent to the smart self-service counter.

S302: If the signing agreement payment status is that the signing agreement payment exists, cancel the signing agreement payment.

If there is a signed agreement payment in the payment status of the signed agreement received by the smart self-service counter, for example, when certain bank cards handle the automatic renewal of utility bills, the smart self-service counter cancels the signed agreement. During specific implementation, the specific implementation of this step includes the following steps:

If the payment status of the signed agreement is that the signed agreement payment exists, obtain the merchant information corresponding to the signed agreement payment.

Sending a payment instruction for canceling the contract agreement to the merchant system corresponding to the merchant information, so that the merchant system cancels the contract agreement payment.

It can be understood that the above steps occur when the payment status of the contract agreement corresponding to the user identity information is that the contract agreement payment exists. Then, it is necessary to obtain the merchant information corresponding to the payment of the signed agreement, and send a payment instruction to cancel the signed agreement to the merchant system corresponding to the merchant information, so that the merchant system can cancel the payment of the signed agreement. In the specific implementation, the bank card information and merchant information corresponding to the payment of the signed agreement are obtained, and a payment instruction to cancel the signed agreement is sent to the merchant system corresponding to the merchant information. The payment instruction of the contract termination agreement includes the information of the corresponding bank card, which may specifically include the card number of the bank card and the specific content of the contract agreement. Optionally, if the merchant responds to cancel the contract agreement and the payment is successful, the smart self-service counter sends a prompt message to the user. Prompt the user that the contract has been terminated successfully.

S303: Trigger sending an instruction to cancel the bank account to the banking system after canceling the payment under the signed agreement or if the payment status of the signed agreement is that there is no payment under the signed agreement.

When the signed agreement payment of all bank cards is successfully cancelled or the signed agreement payment does not exist, the intelligent self-service counter directly sends the bank account cancellation instruction to the banking system, so that the banking system can execute the subsequent instruction to cancel the bank account.

Through the technical solution of this embodiment, after the deactivation of the inactive or activated bank card is performed, the bank system can detect whether there is a signed agreement payment with the merchant in the deregistered bank card. The corresponding contract cancellation operation is performed on the payment of the signed agreement. In view of the situation that the bank card has a signed agreement for payment, this technical solution solves the problem of revocation of bank accounts at intelligent self-service counters, which is convenient for users, and solves the problem that when users do not carry certain bank cards, they can only be revoked through manual counters The problem of bank accounts improves the flexibility when realizing the cancellation of bank accounts, which is convenient for users.

In order to facilitate those skilled in the art to more clearly understand the implementation method of the present application in a specific scenario, the implementation manner of the present application is described below with a specific example. It should be noted that, this specific example is only for those skilled in the art to understand the present application more clearly, but the embodiments of the present application are not limited to this specific example.

In practical applications, the user requests to cancel the bank account on the smart self-service counter, and the smart self-service counter responds to the request, obtains the user's mobile phone number through the NFC module on the smart self-service counter, and sends the mobile phone number to the user center of the banking system , the user center obtains the user's ID number according to the mobile phone number, and sends the obtained ID number to the smart self-service counter and the card management center in the banking system. The card management center obtains all bank card information corresponding to the user's ID number through the user's ID number, and returns the obtained bank card information to the intelligent self-service counter.

When the obtained bank card information includes an inactive bank card, the user will be displayed and prompted to have an inactive bank card. Only after the inactive bank card has been cancelled, the subsequent operation of canceling the bank account can be performed, and the inactive bank card will be displayed. Information. In response to the user's request for canceling the inactive bank card, the intelligent self-service counter sends a canceling instruction for the inactive bank card to the card management center in the banking system, so that the card management center can cancel the inactive bank card.

When the obtained bank card information includes activated bank cards, such as an activated debit card and an activated credit card, the smart self-service counter obtains the information of the activated debit card and activated credit card from the bank system. state.

When the status of the debit card is with a balance, the prompt information of the debit card balance withdrawal or transfer is displayed, and in response to the balance withdrawal or transfer request, the bank system is triggered to perform balance withdrawal or transfer processing; when the status of the credit card is with a debt When the payment is made, the prompt information of the credit card repayment is displayed, and in response to the credit card repayment request, the bank system is triggered to process the credit card repayment. When the status of the debit card is that there is a balance or/and the status of the credit card is that there is arrears, the bank system is used to perform corresponding processing on the bank card. After the processing is completed, the intelligent self-service counter obtains from the bank system again. The state of the debit card and the state of the credit card in the bank card information.

When the status of the obtained debit card is that there is no balance and the status of the credit card is that there is no arrears, it is determined that the status of the activated bank card meets the preset conditions, and the intelligent self-service counter sends a debit card to the debit card center of the banking system. Card cancellation instruction, after the debit card center responds to the cancellation instruction, the debit card cancellation operation is performed. The intelligent self-service counter sends a credit card cancellation instruction to the credit card center of the banking system, and the credit card center executes the cancellation of the credit card after responding to the cancellation instruction.

When the above operations are completed, the intelligent self-service counter sends an instruction to cancel the bank account to the user core system of the banking system, and the user core system responds to the instruction and cancels the bank account. When the banking system completes the operation of canceling the bank account , and the intelligent self-service counter displays a prompt message to the user that the bank account has been cancelled.

In other implementations of this embodiment, if there is a bank card in the bank card information that has signed an agreement to pay, after the debit card and credit card in the bank card information are cancelled, the The agreement payment will be terminated, and then the operation of canceling the bank account will be carried out. During the specific implementation, the payment management center in the banking system obtains the payment status of the contract agreement of the corresponding bank card through the user's ID number, which includes the bank card and the payment status of the contract agreement of the merchant corresponding to the bank card, and will obtain the payment status of the contract agreement of the corresponding bank card. The payment status of the signed agreement is sent to the smart self-service counter. If the payment status of the signed agreement is that there is a signed agreement payment, obtain the merchant information corresponding to the signed agreement payment, and send an instruction to cancel the signed agreement payment to the merchant system corresponding to the merchant information, so that the merchant system cancels the signed agreement payment. After the payment under the signed agreement is cancelled or if the payment status of the signed agreement is that there is no payment under the signed agreement, it is triggered to send an instruction to cancel the bank account to the banking system.

Through the technical solution of this embodiment, when responding to the user's request to cancel the bank account, the user identification card information is obtained through the near field communication technology, and the user identification information corresponding to the user identification card information and the bank corresponding to the user identification information are obtained from the banking system. card information. Through the bank card information, you can cancel the inactive bank card and the activated bank card that meets the preset conditions, and you can also cancel the contract payment in the bank card, and then cancel the user's bank account. As a result, the user can realize identity verification through the portable terminal device, thereby obtaining the relevant bank card information of the user, so that the user can use the smart self-service counter to cancel the bank account even when the user does not carry some bank cards, which improves the performance of the user. Flexibility to cancel bank accounts with smart self-service counters for user convenience.

Referring to FIG. 4 , FIG. 4 is a schematic diagram of an apparatus for realizing revocation of a bank account provided by an embodiment of the present application. In this embodiment, the device can be configured at a smart self-service counter. The device may specifically include:

a first obtaining unit 401, configured to obtain user identification card information through a near field communication technology when responding to a request for canceling a bank account;

The second obtaining unit 402 is configured to obtain the user identity information corresponding to the user identification card information and the bank card information corresponding to the user identity information from the banking system;

A display unit 403, configured to display a prompt message whether to cancel the inactive bank card when the bank card information includes an inactive bank card;

The first sending unit 404 is configured to, in response to a request for canceling an inactive bank card, send a cancellation instruction for the inactive bank card to the banking system, so that the banking system can cancel the inactive bank card operate;

a third obtaining unit 405, configured to obtain the status of the activated bank card from the bank system when the bank card information includes an activated bank card;

The second sending unit 406 is configured to send a cancellation instruction for the activated bank card to the banking system when the status of the activated bank card meets a preset condition, so that the bank system can issue a cancellation instruction for the activated bank card to the bank system. Bank card cancellation operation;

The third sending unit 407 is configured to send an instruction to cancel the bank account to the banking system, and after the banking system completes the operation of canceling the bank account, display prompt information for canceling the bank account.

Optionally, in some implementations of this embodiment, the activated bank card includes a debit card and a credit card, and the third obtaining unit 405 includes:

a first obtaining subunit, configured to obtain the state of the debit card and the state of the credit card from the bank system when the bank card information includes an activated bank card;

A determination subunit, configured to determine that the status of the activated bank card meets a preset condition when the status of the debit card is that there is no balance and the status of the credit card is that there is no arrears.

Optionally, in some implementations of this embodiment, the third obtaining unit 405 further includes:

a first display subunit, configured to display the prompt information of the debit card balance withdrawal or transfer when the state of the debit card is a balance;

a first triggering subunit, configured to trigger the banking system to perform balance withdrawal or transfer processing when responding to a balance withdrawal or transfer request;

The second display subunit is used to display the prompt information of the credit card repayment when the state of the credit card is in arrears;

The second triggering subunit is configured to trigger the bank system to perform credit card repayment processing when responding to a credit card repayment request.

Optionally, in some implementations of this embodiment, the device further includes:

The fourth obtaining unit is configured to obtain the signing agreement payment status corresponding to the user identity information from the banking system after the second sending unit 406 sends the cancellation instruction for the activated bank card to the banking system ;

A canceling unit, configured to cancel the contractual agreement payment if the contractual agreement payment status is that the contractual agreement payment exists;

A triggering unit, configured to trigger the third sending unit 407 to send a bank account cancellation instruction to the banking system after the contractual agreement payment is cancelled or if the contractual agreement payment status is that there is no contractual agreement payment.

Optionally, in some implementations of this embodiment, the releasing unit includes:

a second obtaining subunit, configured to obtain the merchant information corresponding to the contractual payment if the contractual agreement payment status is that the contractual agreement payment exists;

The sending subunit is configured to send a payment instruction for canceling the contract agreement to the merchant system corresponding to the merchant information, so that the merchant system cancels the contract agreement payment.

Through the technical solution of this embodiment, when responding to the user's request to cancel the bank account, the user identification card information is obtained through the near field communication technology, and the user identification information corresponding to the user identification card information and the bank corresponding to the user identification information are obtained from the banking system. card information. Through the bank card information, it is possible to cancel the inactive bank card and the activated bank card that meets the preset conditions, and then cancel the user's bank account. As a result, users can realize identity verification through the terminal equipment they carry, so as to obtain the relevant bank card information of the user, so that the user can use the intelligent self-service counter to cancel the bank account even if he does not carry some bank cards, which improves the intelligent self-service. The counter realizes the flexibility of canceling bank accounts, which is convenient for users.

It should be noted that the various embodiments in this specification are described in a progressive manner, and each embodiment focuses on the differences from other embodiments, and the same and similar parts between the various embodiments may be referred to each other. For the system or device disclosed in the embodiment, since it corresponds to the method disclosed in the embodiment, the description is relatively simple, and for related parts, please refer to the description in the method section.

It should be understood that, in this application, "at least one (item)" refers to one or more, and "a plurality" refers to two or more. "And/or" is used to describe the relationship between related objects, indicating that there can be three kinds of relationships, for example, "A and/or B" can mean: only A, only B, and both A and B exist , where A and B can be singular or plural. The character "/" generally indicates that the associated objects are an "or" relationship. "At least one item(s) below" or similar expressions thereof refer to any combination of these items, including any combination of single item(s) or plural items(s). For example, at least one (a) of a, b or c, can mean: a, b, c, "a and b", "a and c", "b and c", or "a and b and c" ", where a, b, c can be single or multiple.

It should also be noted that in this document, relational terms such as first and second are used only to distinguish one entity or operation from another, and do not necessarily require or imply those entities or operations There is no such actual relationship or order between them. Moreover, the terms "comprising", "comprising" or any other variation thereof are intended to encompass a non-exclusive inclusion such that a process, method, article or device that includes a list of elements includes not only those elements, but also includes not explicitly listed or other elements inherent to such a process, method, article or apparatus. Without further limitation, an element qualified by the phrase "comprising a..." does not preclude the presence of additional identical elements in a process, method, article or apparatus that includes the element.

The steps of a method or algorithm described in conjunction with the embodiments disclosed herein may be directly implemented in hardware, a software module executed by a processor, or a combination of the two. A software module can be placed in random access memory (RAM), internal memory, read only memory (ROM), electrically programmable ROM, electrically erasable programmable ROM, registers, hard disk, removable disk, CD-ROM, or any other in the technical field. in any other known form of storage medium.

The above description of the disclosed embodiments enables any person skilled in the art to make or use the present application. Various modifications to these embodiments will be readily apparent to those skilled in the art, and the generic principles defined herein may be implemented in other embodiments without departing from the spirit or scope of the present application. Therefore, this application is not intended to be limited to the embodiments shown herein, but is to be accorded the widest scope consistent with the principles and novel features disclosed herein.

Claims (10)

1. A method of enabling revocation of a bank account, the method comprising:

responding to a bank account revocation request, and acquiring user identification card information through a near field communication technology;

acquiring user identity information corresponding to user identification card information and bank card information corresponding to the user identity information from a bank system;

when the information of the bank card comprises the inactivated bank card, displaying prompt information for whether to cancel the inactivated bank card;

responding to a request for logging off an inactivated bank card, and sending a logging-off instruction for the inactivated bank card to the bank system so as to enable the bank system to log off the inactivated bank card;

when the bank card information comprises an activated bank card, acquiring the state of the activated bank card from the bank system;

when the state of the activated bank card meets a preset condition, sending a logout instruction of the activated bank card to the bank system so that the bank system carries out logout operation on the activated bank card;

and sending a command of cancelling the bank account to the bank system, and displaying prompt information of cancelling the bank account after the bank system completes the operation of cancelling the bank account.

2. The method of claim 1, wherein the activated bank card comprises a debit card and a credit card, and wherein obtaining the status of the activated bank card from the banking system when the activated bank card is included in the bank card information comprises:

when the bank card information comprises an activated bank card, acquiring the state of the debit card and the state of the credit card from the bank system;

and when the state of the debit card is that no balance exists and the state of the credit card is that no arrears exist, determining that the state of the activated bank card meets a preset condition.

3. The method of claim 2, further comprising:

when the state of the debit card is balance, displaying prompt information of debit card balance withdrawal or account transfer;

responding to a balance withdrawal or transfer request, and triggering the bank system to carry out balance withdrawal or transfer processing;

when the state of the credit card is that the arrears exist, displaying the repayment prompt information of the credit card;

and responding to the credit card repayment request, and triggering the bank system to carry out credit card repayment processing.

4. The method of claim 1, wherein after sending a logout instruction to the banking system for the activated bank card to cause the banking system to log out the activated bank card, before sending a revoke bank account instruction to the banking system, the method further comprises:

acquiring a signing agreement payment state corresponding to the user identity information from the bank system;

if the contract agreement payment state is the contract agreement payment, releasing the contract agreement payment;

and after releasing the payment of the contract agreement or if the payment state of the contract agreement is that no contract agreement payment exists, triggering to send a command of canceling the bank account to the bank system.

5. The method of claim 4, wherein the releasing the contract agreement payment if the contract agreement payment status is that there is a contract agreement payment, comprises:

if the contract agreement payment state is the contract agreement payment, acquiring merchant information corresponding to the contract agreement payment;

and sending a contract-releasing contract-signing agreement payment instruction to a merchant system corresponding to the merchant information so as to enable the merchant system to release contract-signing agreement payment.

6. An apparatus for enabling revocation of a bank account, the apparatus comprising:

the first acquisition unit is used for acquiring the information of the user identification card through the near field communication technology when responding to the request of revoking the bank account;

the second acquisition unit is used for acquiring user identity information corresponding to the user identification card information and bank card information corresponding to the user identity information from a bank system;

the display unit is used for displaying prompt information of whether to cancel the inactivated bank card or not when the information of the bank card comprises the inactivated bank card;

the first sending unit is used for sending a logout instruction of the inactivated bank card to the bank system when responding to a request for logging out the inactivated bank card so as to enable the bank system to log out the inactivated bank card;

the third acquisition unit is used for acquiring the state of the activated bank card from the bank system when the bank card information comprises the activated bank card;

the second sending unit is used for sending a logout instruction of the activated bank card to the bank system when the state of the activated bank card meets a preset condition so that the bank system can logout the activated bank card;

and the third sending unit is used for sending a command of cancelling the bank account to the bank system, and displaying prompt information of cancelling the bank account after the bank system completes the operation of cancelling the bank account.

7. The apparatus of claim 6, wherein the activated bank card comprises a debit card and a credit card, and the third obtaining unit comprises:

the first acquiring subunit is used for acquiring the state of the debit card and the state of the credit card from the banking system when the bank card information comprises an activated bank card;

and the determining subunit is used for determining that the state of the activated bank card meets a preset condition when the state of the debit card is that no balance exists and the state of the credit card is that no arrears exist.

8. The apparatus of claim 7, wherein the third obtaining unit further comprises:

the first display subunit is used for displaying prompt information of withdrawal or transfer of the balance of the debit card when the state of the debit card is that the balance exists;

the first triggering subunit is used for triggering the bank system to carry out balance withdrawal or account transfer processing when responding to a balance withdrawal or account transfer request;

the second display subunit is used for displaying the repayment prompt information of the credit card when the state of the credit card indicates that the arrears exist;

and the second triggering subunit is used for triggering the bank system to carry out credit card repayment processing when responding to the credit card repayment request.

9. The apparatus of claim 6, further comprising:

a fourth obtaining unit, configured to obtain, from the bank system, a contract agreement payment state corresponding to the user identity information after the second sending unit sends, to the bank system, a logout instruction for the activated bank card;

the release unit is used for releasing the contract agreement payment if the contract agreement payment state is the contract agreement payment;

and the triggering unit is used for triggering the third sending unit to send a bank account cancelling instruction to the bank system after the signed agreement payment is cancelled or if the signed agreement payment state is that no signed agreement payment exists.

10. The apparatus according to claim 9, wherein the releasing unit includes:

the second acquisition subunit is used for acquiring merchant information corresponding to the contract agreement payment if the contract agreement payment state is the contract agreement payment;

and the sending subunit is configured to send a contract-releasing contract-signing-agreement payment instruction to the merchant system corresponding to the merchant information, so that the merchant system releases the contract-signing-agreement payment.

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