CN113610618A - Intelligent account-selling method and intelligent account-selling system - Google Patents
Intelligent account-selling method and intelligent account-selling system Download PDFInfo
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Abstract
The invention discloses an intelligent account cancellation method and an intelligent account cancellation system, wherein in the intelligent account cancellation method, when account information to be cancelled is not matched with the user information, an account cancellation request failure step is executed; when the account information to be cancelled is matched with the user information and the matched associated information does not exist in the account information to be cancelled, executing an account cancelling step; and when the information of the account to be cancelled is matched with the user information and the matched associated information exists in the information of the account to be cancelled, executing a mis-cancellation reminding step. The intelligent household canceling system comprises an acquisition request module, an information auditing module, a household canceling request failure module, a household canceling module and a mis-canceling reminding module. The intelligent account selling method and the intelligent account selling system can be used for auditing whether the information to be sold has the associated information or not, so that the condition that the financial account associated with the account is wrongly sold is avoided.
Description
Technical Field
The invention relates to the technical field of financial account processing, in particular to an intelligent account selling method and an intelligent account selling system.
Background
During the process of participating in financial activities, users can open respective financial accounts in different financial systems. In financial activities, there are many traces of using financial accounts that may be associated with a business or other user, such as payment of a fee or collection of a fee. With the development of society, more and more financial accounts are opened by users, the situation that whether the financial accounts are associated with enterprises or other users is easily unclear, and when a user wants to log out a certain financial account, the situation that the associated financial accounts are mistakenly sold is easily caused, so that the situation that the payment failure or the charge collection failure occurs in the participation of financial activities in the future, and unnecessary troubles are brought to the financial activities.
Disclosure of Invention
In view of the above defects, the present invention aims to provide an intelligent account-cancelling method, which avoids the occurrence of a situation of mistakenly cancelling an associated financial account by checking whether the information to be cancelled has associated information.
In view of the above defects, another objective of the present invention is to provide an intelligent account-cancelling system, which uses an information-auditing module to audit whether the information about the account to be cancelled has associated information, so as to avoid the occurrence of a situation of mistakenly cancelling an associated financial account.
In order to achieve the purpose, the invention adopts the following technical scheme: an intelligent household selling method comprises the following steps:
an acquisition request step: acquiring a cancellation request, account information to be cancelled and user information sent by a client corresponding to an account;
and (3) information auditing step: after receiving an account cancellation request, auditing whether the account information to be cancelled, the user information and the account information to be cancelled have associated information; when the account information to be cancelled is not matched with the user information, executing a cancellation request failure step; when the account information to be cancelled is matched with the user information and the matched associated information does not exist in the account information to be cancelled, executing an account cancelling step; when the account information to be cancelled is matched with the user information and the matched associated information exists in the account information to be cancelled, executing a mis-cancellation reminding step; the relevant information is a payment terminal and/or a collection terminal bound by the user during financial activities;
a step of failure of the customer cancellation request: sending a user cancellation request failure prompt to a client corresponding to the account;
an account cancellation step: the account is subject to account cancellation;
and a mis-selling reminding step: and sending an account mis-cancellation reminding prompt and associated information to the client corresponding to the account.
It should be noted that the information auditing step specifically includes:
the database searches corresponding user reservation information and associated information according to the information of the user to be sold, and returns the user reservation information and the associated information;
comparing the user information with the user reservation information, and judging whether the account information to be cancelled is matched with the user information;
and when the associated information returned by the database is a non-null value, judging that the matched associated information does not exist in the account information to be cancelled.
Optionally, in the information auditing step, when the user information is inconsistent with the user reservation information, executing a cancellation request failure step;
when the user information is consistent with the user reservation information and the reservation associated information returned by the database is null, executing a user cancellation step;
and when the user information is consistent with the user reservation information and the reservation associated information returned by the database is a non-null value, executing a false cancellation reminding step.
Specifically, the customer sales executing step specifically includes: counting account balances of an account, wherein the account balances comprise a first balance and a second balance, the first balance is a balance which exceeds a preset withdrawal cash amount in the account, and the second balance is a balance which does not exceed the preset withdrawal cash amount in the account;
when the account balance is greater than or equal to the cash withdrawal amount, sending a cash withdrawal prompt to a client corresponding to the account, informing a user of withdrawing the first balance at a field terminal, and counting the remaining account balance of the account;
when the account balance is smaller than the preset cash withdrawal amount and larger than a zero element, generating a transfer two-dimensional code containing transfer information of a second balance, sending the transfer two-dimensional code to a client corresponding to the account, and after a user scans the transfer two-dimensional code and outputs the second balance, cancelling the account of the account;
and when the account balance is equal to zero, the account is cancelled.
Preferably, before the step of acquiring the request, the method further comprises a step of checking the account periodically;
the step of regularly checking the account comprises the following steps: and checking the activity of the account according to a preset checking period, marking the account as an inactive account when the account does not generate financial activity information in the checking period, and sending a customer end corresponding to the inactive account a customer end reminding prompt.
It is worth to say that the intelligent sales system comprises an acquisition request module, an information auditing module, a sales request failure module, a sales module and a mis-sales reminding module;
the acquisition request module is used for acquiring an account cancellation request, account information to be cancelled and user information sent by a client corresponding to an account;
the information auditing module is used for auditing whether the information of the account to be cancelled, the user information and the information of the account to be cancelled have associated information after receiving an account cancelling request; the account cancellation request failure module is also used for executing account cancellation request failure when the account information to be cancelled is not matched with the user information; the account cancelling module is further used for executing an account cancelling module when the account waiting for cancellation information is matched with the user information and the matched associated information does not exist in the account waiting for cancellation information; the system is also used for executing a mis-cancellation reminding module when the account information to be cancelled is matched with the user information and the matched associated information exists in the account information to be cancelled; the relevant information is a payment terminal and/or a collection terminal bound by the user during financial activities;
the account cancellation request failure module is used for sending a cancellation request failure prompt to a client corresponding to an account;
the account cancellation module is used for canceling accounts;
and the mis-selling reminding module is used for sending an account mis-selling reminding prompt and associated information to the client corresponding to the account.
Optionally, the information auditing module is further configured to search, according to the information of the to-be-revoked user, corresponding user reservation information and association information through a database, and is further configured to return the user reservation information and the association information through the database; the system is also used for comparing the user information with the user reservation information and judging whether the account information to be cancelled is matched with the user information or not; the method is further used for judging that the matched associated information does not exist in the account information to be cancelled when the associated information returned by the database is a null value, and is also used for judging that the matched associated information exists in the account information to be cancelled when the associated information returned by the database is a non-null value.
Specifically, the information auditing module is further configured to execute a cancellation request failure module when the user information is inconsistent with the user reservation information; the user information and the user reservation information are consistent, and the reservation associated information returned by the database is null, the user cancellation module is executed; and the false cancellation reminding module is also used for executing the false cancellation reminding module when the user information is consistent with the user reservation information and the reservation associated information returned by the database is a non-null value.
Preferably, the account cancellation execution module is specifically configured to count account balances of an account, where the account balances include a first balance and a second balance, the first balance is a balance that exceeds a preset cash withdrawal amount in the account, and the second balance is a balance that does not exceed the preset cash withdrawal amount in the account; the account management system is also used for sending a cash withdrawal prompt to a client corresponding to the account when the account balance is greater than or equal to the cash withdrawal amount, informing a user of withdrawing the first balance at a field terminal, and counting the remaining account balance of the account; the account transfer system is also used for generating a transfer two-dimensional code containing transfer information of a second balance when the account balance is smaller than the preset cash withdrawal amount and larger than zero, sending the transfer two-dimensional code to a client corresponding to the account, and canceling the account after the user scans the transfer two-dimensional code and rolls out the second balance; and the account is also used for canceling the account when the account balance is equal to zero element.
The system comprises a periodic checking account module, a data processing module and a data processing module, wherein the periodic checking account module is used for checking the activity of an account according to a preset checking period; and also for flagging the account as an inactive account when no financial activity information is generated by the account during the verification period; and sending a user cancellation prompt to the client corresponding to the inactive account.
One of the above technical solutions has the following beneficial effects: the account information to be cancelled and the user information are checked to prevent the account from being cancelled by the non-corresponding user, and the safety of the account corresponding to each user is effectively guaranteed. After the information of the account to be cancelled and the user information are checked, whether the information of the account to be cancelled has associated information is checked to verify whether the account has a bound payment terminal and/or a bound collection terminal, so that the problem that the associated financial account is mistakenly cancelled by the user when the user wants to cancel a certain financial account is solved, and the condition that the payment failure or the charge collection failure occurs due to the mistaken cancellation of the user in the financial activity is avoided.
Drawings
FIG. 1 is a flow chart of one embodiment of the present invention.
Detailed Description
Reference will now be made in detail to embodiments of the present invention, examples of which are illustrated in the accompanying drawings, wherein like or similar reference numerals refer to the same or similar elements or elements having the same or similar function throughout. The embodiments described below with reference to the accompanying drawings are illustrative only for the purpose of explaining the present invention, and are not to be construed as limiting the present invention.
In the description of the embodiments of the present invention, the terms "first" and "second" are used for descriptive purposes only and are not to be construed as indicating or implying relative importance or implying any number of technical features indicated. Thus, features defined as "first", "second", may explicitly or implicitly include one or more of the described features.
As shown in fig. 1, an intelligent subscriber cancellation method includes the following steps: an acquisition request step: and acquiring a cancellation request, account information to be cancelled and user information sent by a client corresponding to the account. And (3) information auditing step: after receiving an account cancellation request, auditing whether the account information to be cancelled, the user information and the account information to be cancelled have associated information; when the account information to be cancelled is not matched with the user information, executing a cancellation request failure step; when the account information to be cancelled is matched with the user information and the matched associated information does not exist in the account information to be cancelled, executing an account cancelling step; when the account information to be cancelled is matched with the user information and the matched associated information exists in the account information to be cancelled, executing a mis-cancellation reminding step; the relevant information is a payment terminal and/or a collection terminal bound by the user during financial activities; specifically, the payment terminal bound by the user during the financial activity is used for automatic payment, for example, an account of a water supply company and an account of an electric power company are bound to automatically pay water and electricity fees, an account of a property company is bound to automatically pay property fees, and an account of a communication company is bound to automatically pay telephone fees. The money receiving terminal bound by the user during financial activities is used for automatically receiving money, for example, the water supply company account is bound with the account of a citizen, the electric power company account is bound with the account of the citizen, then the property charge is automatically received, the communication company account is bound with the account of the citizen, and then the telephone charge is automatically received. A step of failure of the customer cancellation request: sending a user cancellation request failure prompt to a client corresponding to the account; specifically, the cancellation request failure prompt includes a date of making the cancellation request, information of the account to be cancelled, and information informing the user that the information of the account to be cancelled does not match the information of the user, so as to inform the user of a reason for the cancellation request failure. In addition, a short message for prompting the failure of the user cancellation request is synchronously sent to the mobile phone number reserved by the user. An account cancellation step: the account is subject to account cancellation; specifically, after the information auditing step is finished and before the account cancelling step is executed, the intelligent account cancelling system sends a prepared account cancelling notification short message to a mobile phone number reserved by the user, wherein the content of the prepared account cancelling notification short message comprises a date for submitting an account cancelling request, information to be cancelled and user information, and whether the user needs to cancel the account is confirmed again, so that unnecessary loss and disputes caused by mistaken account cancelling are avoided. After the step of canceling the account is executed, the intelligent canceling system sends a notification short message of successful canceling the account to the mobile phone number reserved by the user to inform the user that the account is canceled, and the user is prevented from using the account again when participating in financial activities in the future. And a mis-selling reminding step: and sending an account mis-cancellation reminding prompt and associated information to the client corresponding to the account. Specifically, the mis-cancellation reminding prompt includes a date of the cancellation request, information of the account to be cancelled, and information informing the user that the information of the account to be cancelled has the matched associated information, so as to inform the user of the risk of the account. By sending the association information to the client corresponding to the account, the user can know the payment terminal and/or the collection terminal associated with the account more clearly, so that the user is guided to cancel the sales operation, or the user is guided to cancel the operation of the corresponding payment terminal and/or collection terminal. In addition, a short message for reminding of mis-selling is synchronously sent to the mobile phone number reserved by the user.
In the intelligent account cancellation method, the information of the account to be cancelled and the user information are checked at first, so that the condition that a non-account person cancels the account is avoided, and the safety of each account is effectively guaranteed. After the information of the account to be cancelled and the user information are checked, whether the information of the account to be cancelled has associated information is checked to verify whether a bound payment terminal and/or collection terminal exists in the account, so that the problem that the associated financial account is mistakenly cancelled by the user is solved, and the condition that the payment failure or the charge collection failure occurs due to the mistaken cancellation of the user in the future financial activity is avoided.
In some embodiments, the information auditing step specifically includes: the database searches corresponding user reservation information and associated information according to the information of the user to be sold, and returns the user reservation information and the associated information; specifically, the server of the database is arranged at a financial institution and used for storing the user reservation information and the association information corresponding to the account. Comparing the user information with the user reservation information, and judging whether the account information to be cancelled is matched with the user information; specifically, the user information is user identity information when the client logs in, and information filled in by the user when the client registers an account, including but not limited to a name, an identity card number, and a mobile phone number. The user reservation information is identity information filled by a user when the financial institution opens an account, and includes but is not limited to a name, an identification card number and a mobile phone number. And comparing the user information with the user reservation information to judge whether the account information to be cancelled is matched with the user information, so that the condition that lawbreakers operate accounts of other users by utilizing loopholes of a client is avoided. And when the associated information returned by the database is a non-null value, judging that the matched associated information does not exist in the account information to be cancelled. Specifically, when the associated information returned by the database is null, the associated information corresponding to the information of the account to be cancelled is not stored in the database, so that the fact that the account is not bound to the payment terminal and/or the collection terminal is known, and after the cancellation step is performed on the account, the condition that the payment of the fee or the collection of the fee fails due to the loss of the bound account in the future is avoided. And when the correlation information returned by the database is a non-null value, the correlation information corresponding to the information of the account to be sold is stored in the database, and after the account is subjected to the account selling step, the condition of failure in payment or charge collection due to loss of the bound account occurs in the future.
It should be noted that, in the information auditing step, when the user information is inconsistent with the user reservation information, a cancellation request failure step is executed; when the user information is consistent with the user reservation information and the reservation associated information returned by the database is null, executing a user cancellation step; and when the user information is consistent with the user reservation information and the reservation associated information returned by the database is a non-null value, executing a false cancellation reminding step. Specifically, the user information is inconsistent with the user reservation information, which means that information filled by the user when the user registers an account at the client is different from identity information filled by the user when the financial institution opens the account, and there may be a case where a lawbreaker operates the accounts of other users by using a leak of the client, so that a step of canceling a cancellation request failure needs to be performed to avoid a case where the lawbreaker operates the accounts of other users, and a short message for prompting the cancellation request failure is sent to a mobile phone number reserved by the user to further confirm the account. The user information is consistent with the user reservation information, and represents that information filled when the user uses the client to register the account is the same as identity information filled when the user opens the account in a financial institution, so that the user has the qualification of canceling the account.
Optionally, the customer cancellation executing step specifically includes: counting account balances of an account, wherein the account balances comprise a first balance and a second balance, the first balance is a balance which exceeds a preset withdrawal cash amount in the account, and the second balance is a balance which does not exceed the preset withdrawal cash amount in the account; when the account balance is greater than or equal to the cash withdrawal amount, sending a cash withdrawal prompt to a client corresponding to the account, informing a user of withdrawing the first balance at a field terminal, and counting the remaining account balance of the account; when the account balance is smaller than the preset cash withdrawal amount and larger than a zero element, generating a transfer two-dimensional code containing transfer information of a second balance, sending the transfer two-dimensional code to a client corresponding to the account, and after a user scans the transfer two-dimensional code and outputs the second balance, cancelling the account of the account; and when the account balance is equal to zero, the account is cancelled.
The existing account cancellation system intelligently refunds the whole number in account balance, and the user can conveniently receive the account transfer two-dimensional code by generating the account transfer two-dimensional code containing the account transfer information of the second balance, so that the problem that the low balance cannot be taken out is solved. In particular, the field terminal is one of a counter or an ATM machine. Preferably, the preset withdrawal amount is a unary amount, and therefore, the first balance is a portion where the account balance exceeds the unary amount, and the second balance is a portion where the account balance does not exceed the unary amount. In some embodiments, the account balance is one hundred, the first balance is one hundred, the intelligent subscriber system notifies the user to pick up one hundred at the field terminal, and after the user picks up one hundred, the intelligent subscriber system counts the remaining account balance of the account, and at this time, the account balance is equal to zero, the account can be subscribed. In other embodiments, the account balance is fifty-yuan-one wool, the first balance is fifty yuan, the second balance is one wool, the intelligent seller system notifies the user to withdraw fifty yuan at the field terminal, after the user withdraws fifty yuan, the intelligent seller system counts the remaining account balance of the account to be one wool, the account balance is smaller than the preset cash withdrawal amount and larger than zero yuan, the intelligent seller system generates a transfer two-dimensional code of a gross money amount, and the account can be cancelled after the user sweeps the transfer two-dimensional code and draws the remaining gross money in the account. In other embodiments, the account balance is five gross money, the second balance is less than the preset cash withdrawal amount and greater than the zero element, the intelligent account-cancelling system generates a transfer two-dimensional code of the five gross money amount, and the account can be cancelled after the user scans the transfer two-dimensional code and receives the remaining five gross money in the account.
Preferably, before the step of acquiring the request, the method further comprises a step of checking the account periodically; the step of regularly checking the account comprises the following steps: and checking the activity of the account according to a preset checking period, marking the account as an inactive account when the account does not generate financial activity information in the checking period, and sending a customer end corresponding to the inactive account a customer end reminding prompt. In particular, some users may have accounts that are not used for a long time due to the fact that the number of accounts opened is too large and the management is not effective. Checking the activity of the account according to a preset checking period so as to know whether the account is inactive or not, wherein the inactive account is an account which is not used for a long time; and then sending a sales reminding to the user corresponding to the inactive account, reminding the user that the account is opened but is not used all the time, and assisting the user to sell the account, thereby saving database resources of a financial institution and improving the work efficiency.
An intelligent household canceling system comprises an acquisition request module, an information auditing module, a household canceling request failure module, a household canceling module and a mis-canceling reminding module; the acquisition request module is used for acquiring an account cancellation request, account information to be cancelled and user information sent by a client corresponding to an account; the information auditing module is used for auditing whether the information of the account to be cancelled, the user information and the information of the account to be cancelled have associated information after receiving an account cancelling request; the account cancellation request failure module is also used for executing account cancellation request failure when the account information to be cancelled is not matched with the user information; the account cancelling module is further used for executing an account cancelling module when the account waiting for cancellation information is matched with the user information and the matched associated information does not exist in the account waiting for cancellation information; the system is also used for executing a mis-cancellation reminding module when the account information to be cancelled is matched with the user information and the matched associated information exists in the account information to be cancelled; the relevant information is a payment terminal and/or a collection terminal bound by the user during financial activities; the account cancellation request failure module is used for sending a cancellation request failure prompt to a client corresponding to an account; the account cancellation module is used for canceling accounts; and the mis-selling reminding module is used for sending an account mis-selling reminding prompt and associated information to the client corresponding to the account.
It is worth to be noted that the information auditing module is further configured to search, according to the information of the to-be-revoked user, corresponding user reservation information and association information through a database, and is further configured to return the user reservation information and the association information through the database; the system is also used for comparing the user information with the user reservation information and judging whether the account information to be cancelled is matched with the user information or not; the method is further used for judging that the matched associated information does not exist in the account information to be cancelled when the associated information returned by the database is a null value, and is also used for judging that the matched associated information exists in the account information to be cancelled when the associated information returned by the database is a non-null value.
In some embodiments, the information auditing module is further configured to execute a cancellation request failure module when the user information and the user reservation information are inconsistent; the user information and the user reservation information are consistent, and the reservation associated information returned by the database is null, the user cancellation module is executed; and the false cancellation reminding module is also used for executing the false cancellation reminding module when the user information is consistent with the user reservation information and the reservation associated information returned by the database is a non-null value.
Optionally, the account cancellation execution module is specifically configured to count account balances of an account, where the account balances include a first balance and a second balance, the first balance is a balance that exceeds a preset cash withdrawal amount in the account, and the second balance is a balance that does not exceed the preset cash withdrawal amount in the account; the account management system is also used for sending a cash withdrawal prompt to a client corresponding to the account when the account balance is greater than or equal to the cash withdrawal amount, informing a user of withdrawing the first balance at a field terminal, and counting the remaining account balance of the account; the account transfer system is also used for generating a transfer two-dimensional code containing transfer information of a second balance when the account balance is smaller than the preset cash withdrawal amount and larger than zero, sending the transfer two-dimensional code to a client corresponding to the account, and canceling the account after the user scans the transfer two-dimensional code and rolls out the second balance; and the account is also used for canceling the account when the account balance is equal to zero element.
Preferably, the system further comprises a periodic checking account module, wherein the periodic checking account module is used for checking the activity of the account according to a preset checking period; and also for flagging the account as an inactive account when no financial activity information is generated by the account during the verification period; and sending a user cancellation prompt to the client corresponding to the inactive account.
In the description herein, references to the description of the terms "one embodiment," "some embodiments," "an illustrative embodiment," "an example," "a specific example" or "some examples" or the like mean that a particular feature, structure, material, or characteristic described in connection with the embodiment or example is included in at least one embodiment or example of the invention. In this specification, schematic representations of the above terms do not necessarily refer to the same embodiment or example. Furthermore, the particular features, structures, materials, or characteristics described may be combined in any suitable manner in any one or more embodiments or examples.
Any process or method descriptions in flow charts or otherwise described herein may be understood as representing modules, segments, or portions of code which include one or more executable instructions for implementing specific logical functions or steps of the process, and alternate implementations are included within the scope of the preferred embodiment of the present invention in which functions may be executed out of order from that shown or discussed, including substantially concurrently or in reverse order, depending on the functionality involved, as would be understood by those reasonably skilled in the art of the present invention.
In addition, functional units in the embodiments of the present invention may be integrated into one processing module, or each unit may exist alone physically, or two or more units are integrated into one module. The integrated module can be realized in a hardware mode, and can also be realized in a software functional module mode. The integrated module, if implemented in the form of a software functional module and sold or used as a stand-alone product, may also be stored in a computer readable storage medium.
Although embodiments of the present invention have been shown and described above, it is understood that the above embodiments are exemplary and not to be construed as limiting the present invention, and that variations, modifications, substitutions and alterations can be made in the above embodiments by those of ordinary skill in the art within the scope of the present invention.
Claims (10)
1. An intelligent household cancellation method is characterized by comprising the following steps:
an acquisition request step: acquiring a cancellation request, account information to be cancelled and user information sent by a client corresponding to an account;
and (3) information auditing step: after receiving an account cancellation request, auditing whether the account information to be cancelled, the user information and the account information to be cancelled have associated information; when the account information to be cancelled is not matched with the user information, executing a cancellation request failure step; when the account information to be cancelled is matched with the user information and the matched associated information does not exist in the account information to be cancelled, executing an account cancelling step; when the account information to be cancelled is matched with the user information and the matched associated information exists in the account information to be cancelled, executing a mis-cancellation reminding step; the relevant information is a payment terminal and/or a collection terminal bound by the user during financial activities;
a step of failure of the customer cancellation request: sending a user cancellation request failure prompt to a client corresponding to the account;
an account cancellation step: the account is subject to account cancellation;
and a mis-selling reminding step: and sending an account mis-cancellation reminding prompt and associated information to the client corresponding to the account.
2. The intelligent subscriber method according to claim 1, wherein: the information auditing step specifically comprises:
the database searches corresponding user reservation information and associated information according to the information of the user to be sold, and returns the user reservation information and the associated information;
comparing the user information with the user reservation information, and judging whether the account information to be cancelled is matched with the user information;
and when the associated information returned by the database is a non-null value, judging that the matched associated information does not exist in the account information to be cancelled.
3. The intelligent subscriber method according to claim 2, wherein: in the information auditing step, when the user information is inconsistent with the user reservation information, executing a cancellation request failure step;
when the user information is consistent with the user reservation information and the reservation associated information returned by the database is null, executing a user cancellation step;
and when the user information is consistent with the user reservation information and the reservation associated information returned by the database is a non-null value, executing a false cancellation reminding step.
4. The intelligent subscriber method according to claim 1, wherein: the customer sales executing step specifically comprises: counting account balances of an account, wherein the account balances comprise a first balance and a second balance, the first balance is a balance which exceeds a preset withdrawal cash amount in the account, and the second balance is a balance which does not exceed the preset withdrawal cash amount in the account;
when the account balance is greater than or equal to the cash withdrawal amount, sending a cash withdrawal prompt to a client corresponding to the account, informing a user of withdrawing the first balance at a field terminal, and counting the remaining account balance of the account;
when the account balance is smaller than the preset cash withdrawal amount and larger than a zero element, generating a transfer two-dimensional code containing transfer information of a second balance, sending the transfer two-dimensional code to a client corresponding to the account, and after a user scans the transfer two-dimensional code and outputs the second balance, cancelling the account of the account;
and when the account balance is equal to zero, the account is cancelled.
5. The intelligent subscriber method according to claim 1, wherein: before the step of acquiring the request, the method also comprises a step of periodically checking the account;
the step of regularly checking the account comprises the following steps: and checking the activity of the account according to a preset checking period, marking the account as an inactive account when the account does not generate financial activity information in the checking period, and sending a customer end corresponding to the inactive account a customer end reminding prompt.
6. An intelligent household-selling system is characterized in that: the system comprises an acquisition request module, an information auditing module, a cancellation request failure module, a cancellation module and a mis-cancellation reminding module;
the acquisition request module is used for acquiring an account cancellation request, account information to be cancelled and user information sent by a client corresponding to an account;
the information auditing module is used for auditing whether the information of the account to be cancelled, the user information and the information of the account to be cancelled have associated information after receiving an account cancelling request; the account cancellation request failure module is also used for executing account cancellation request failure when the account information to be cancelled is not matched with the user information; the account cancelling module is further used for executing an account cancelling module when the account waiting for cancellation information is matched with the user information and the matched associated information does not exist in the account waiting for cancellation information; the system is also used for executing a mis-cancellation reminding module when the account information to be cancelled is matched with the user information and the matched associated information exists in the account information to be cancelled; the relevant information is a payment terminal and/or a collection terminal bound by the user during financial activities;
the account cancellation request failure module is used for sending a cancellation request failure prompt to a client corresponding to an account;
the account cancellation module is used for canceling accounts;
and the mis-selling reminding module is used for sending an account mis-selling reminding prompt and associated information to the client corresponding to the account.
7. The intelligent subscriber system of claim 6, wherein: the information auditing module is also used for searching corresponding user reservation information and associated information through a database according to the information of the user to be sold, and returning the user reservation information and the associated information through the database; the system is also used for comparing the user information with the user reservation information and judging whether the account information to be cancelled is matched with the user information or not; the method is further used for judging that the matched associated information does not exist in the account information to be cancelled when the associated information returned by the database is a null value, and is also used for judging that the matched associated information exists in the account information to be cancelled when the associated information returned by the database is a non-null value.
8. The intelligent subscriber system of claim 7, wherein: the information auditing module is also used for executing a cancellation request failure module when the user information is inconsistent with the user reservation information; the user information and the user reservation information are consistent, and the reservation associated information returned by the database is null, the user cancellation module is executed; and the false cancellation reminding module is also used for executing the false cancellation reminding module when the user information is consistent with the user reservation information and the reservation associated information returned by the database is a non-null value.
9. The intelligent subscriber system of claim 6, wherein: the account cancellation execution module is specifically configured to count account balances of an account, where the account balances include a first balance and a second balance, the first balance is a balance in the account that exceeds a preset cash withdrawal amount, and the second balance is a balance in the account that does not exceed the preset cash withdrawal amount; the account management system is also used for sending a cash withdrawal prompt to a client corresponding to the account when the account balance is greater than or equal to the cash withdrawal amount, informing a user of withdrawing the first balance at a field terminal, and counting the remaining account balance of the account; the account transfer system is also used for generating a transfer two-dimensional code containing transfer information of a second balance when the account balance is smaller than the preset cash withdrawal amount and larger than zero, sending the transfer two-dimensional code to a client corresponding to the account, and canceling the account after the user scans the transfer two-dimensional code and rolls out the second balance; and the account is also used for canceling the account when the account balance is equal to zero element.
10. The intelligent subscriber system of claim 6, wherein: the system also comprises a periodic checking account module, wherein the periodic checking account module is used for checking the activity of the account according to a preset checking period; and also for flagging the account as an inactive account when no financial activity information is generated by the account during the verification period; and sending a user cancellation prompt to the client corresponding to the inactive account.
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