CN112767617A - Card-free automatic teller machine utilizing mobile terminal and identity card multiple identification - Google Patents
Card-free automatic teller machine utilizing mobile terminal and identity card multiple identification Download PDFInfo
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- CN112767617A CN112767617A CN202110041512.2A CN202110041512A CN112767617A CN 112767617 A CN112767617 A CN 112767617A CN 202110041512 A CN202110041512 A CN 202110041512A CN 112767617 A CN112767617 A CN 112767617A
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- G—PHYSICS
- G07—CHECKING-DEVICES
- G07F—COIN-FREED OR LIKE APPARATUS
- G07F19/00—Complete banking systems; Coded card-freed arrangements adapted for dispensing or receiving monies or the like and posting such transactions to existing accounts, e.g. automatic teller machines
- G07F19/20—Automatic teller machines [ATMs]
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- G—PHYSICS
- G07—CHECKING-DEVICES
- G07F—COIN-FREED OR LIKE APPARATUS
- G07F19/00—Complete banking systems; Coded card-freed arrangements adapted for dispensing or receiving monies or the like and posting such transactions to existing accounts, e.g. automatic teller machines
- G07F19/20—Automatic teller machines [ATMs]
- G07F19/201—Accessories of ATMs
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- G—PHYSICS
- G07—CHECKING-DEVICES
- G07F—COIN-FREED OR LIKE APPARATUS
- G07F19/00—Complete banking systems; Coded card-freed arrangements adapted for dispensing or receiving monies or the like and posting such transactions to existing accounts, e.g. automatic teller machines
- G07F19/20—Automatic teller machines [ATMs]
- G07F19/209—Monitoring, auditing or diagnose of functioning of ATMs
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Abstract
The invention discloses a card-free automatic teller machine using mobile terminal and ID card multiple identification, comprising a main body, wherein the main body comprises: the system comprises a host system, an identification system and a communication system, wherein the host system is in communication connection with a background server in a bank through the communication system; the host system includes: a touch screen module; an NFC module; the recognition system includes: a face recognition module; a voice recognition module; a two-dimensional code verification module; and a fingerprint identification module. The main part still includes send paper money module, and when face identification module, voice recognition module, two-dimensional code verification module, user that fingerprint identification module discerned were unanimous with card deposit user, according to the information of withdrawing money, send out the bank note of corresponding quantity. The invention ensures that the safety performance of the user is greatly improved when the user withdraws money, and the user can withdraw money when the user card is not carried, thereby being convenient for the life of people.
Description
Technical Field
The invention relates to the field of cash dispensers, in particular to a card-free automatic cash dispenser which utilizes multiple identifications of a mobile terminal and an identity card.
Background
An ATM is also called an ATM (Automated Teller Machine), which means an ATM and is also called an ATM because most of them are used for drawing money. The device is a highly precise electromechanical integrated device, realizes self-service of financial transactions by utilizing a magnetic code card or an intelligent card, and replaces the work of bank counter personnel. The work of withdrawing cash, inquiring deposit balance, transferring funds among accounts, inquiring balance and the like can be carried out; it is also possible to perform cash deposit (real-time posting), check deposit, passbook entry, intermediate business, and the like. The card holder can use credit card or deposit card to transact services such as automatic withdrawal, balance inquiry, account transfer, cash deposit, bankbook registration, fund purchase, password change, mobile phone charge payment and the like according to the password.
Along with the development of social economy, card-free money depositing and withdrawing are more and more in demand in order to achieve convenience of money depositing and withdrawing.
The existing cardless withdrawal is generally reserved for cardless withdrawal, a customer applies for cardless withdrawal through a signed mobile phone bank or an online bank, the bank provides withdrawal information and a password after verifying the identity and the signing information of the customer, and the customer inputs corresponding withdrawal information and the password in self-service equipment to realize cardless withdrawal. The method for reserving money to withdraw is inconvenient and difficult to meet the economic activity requirements of people, when a customer withdraws money, information such as a money withdrawal number and a money withdrawal password (generally a temporary collection verification code or a one-time password set by the customer) needs to be input, and the customer withdraws money without a card and also needs to remember a bank account and a password, so that the safety of the money withdrawal without the card is relatively low, and some banks do not have the service of withdrawing money without the card in order to avoid the later-period responsibility problem, and the life of people is inconvenient.
Disclosure of Invention
The invention provides a card-free automatic teller machine which utilizes a mobile terminal and identity card multiple identification, and solves the problems that the safety of card-free money withdrawal is relatively low, and some banks do not have the card-free money withdrawal service in order to avoid the later responsibility problem, and the life of people is inconvenient.
The technical scheme of the invention is realized as follows:
a cardless automatic teller machine using multiple identifications of a mobile terminal and an identity card comprises a main body, wherein the main body comprises: the system comprises a host system, an identification system and a communication system, wherein the host system is in communication connection with a background server in a bank through the communication system; the host system includes:
the touch screen module is used for receiving a card-free withdrawal operation instruction of a user, realizing a card-free withdrawal operation and displaying a corresponding card-free withdrawal operation result;
the NFC module, wherein NFC module is called closely wireless communication module again for with user's mobile terminal communication connection, be used for receiving the information of withdrawing money and protection information that mobile terminal transmitted, the information of withdrawing money includes: card number information and withdrawal amount information of a user; the protection information includes: card information, identity card information;
the recognition system includes:
the face recognition module is used for verifying whether the information of the card-free withdrawal user is consistent with the information of the storage user, the face recognition module is separately in communication connection with a database of the background server, and the independent processor compares the face information of the user;
the voice recognition module is the same as the face recognition module and is used for verifying whether the information of the card-free money withdrawing user is consistent with that of the storage user or not;
the two-dimensional code verification module sends a verification code to a reserved mobile phone number of a user after the user fills in withdrawal information;
and the fingerprint identification module is used for inputting the fingerprint information of the user, comparing the fingerprint information with the user information during account opening and judging whether the fingerprint information is consistent with the stored user.
The main body further comprises a banknote sending module, and when the human face recognition module, the voice recognition module, the two-dimensional code verification module and the user identified by the fingerprint recognition module are consistent with the card deposit user, banknotes with corresponding quantity are sent out according to withdrawal information.
Preferably, the main body is further provided with an encryption storage module, and the encryption storage module records the withdrawal amount and withdrawal time of the user to record an event, forms an event log file, and stores the event log file in the background server.
Preferably, the mobile terminal adopts a smart phone, and a mobile phone bank is installed on the smart phone.
Preferably, the host system further comprises a camera module, and the camera module is connected with the face recognition module, and is not only used for an image input port for face recognition, but also used for recording scene image information of withdrawal of a user at a withdrawal site.
Preferably, the camera module further comprises an image encryption module, and the image encryption module encrypts scene image information withdrawn by a user to form an image log file and transmits the image log file to the background server.
Preferably, the host system is further provided with an information feedback module, and the information feedback module is in communication connection with the NFC module and is used for sending the withdrawal amount information, the withdrawal time and the cash-out mark to the mobile terminal.
Preferably, a microphone system is arranged at the voice recording end of the voice recognition module and used for recording voice information of a user.
The beneficial effect of the invention is that,
the invention firstly sets the NFC module to receive withdrawal information and protection information, wherein the protection information comprises card secret information and identity card information, and realizes basic information identification.
Then check and recognize user information by setting a face recognition module, a voice recognition module, a two-dimensional code verification module and a fingerprint recognition module, provide a safe and reliable withdrawal service for users, greatly improve the safety performance, and enable the users to withdraw money when the user cards are not carried, thereby facilitating the life of people.
Drawings
In order to more clearly illustrate the embodiments of the present invention or the technical solutions in the prior art, the drawings used in the description of the embodiments or the prior art will be briefly described below, it is obvious that the drawings in the following description are only some embodiments of the present invention, and for those skilled in the art, other drawings can be obtained according to the drawings without creative efforts.
Fig. 1 is a system block diagram of a cardless atm utilizing multiple identifications of a mobile terminal and an id card according to the present invention.
Detailed Description
The technical solutions in the embodiments of the present invention will be clearly and completely described below with reference to the drawings in the embodiments of the present invention, and it is obvious that the described embodiments are only a part of the embodiments of the present invention, and not all of the embodiments. All other embodiments, which can be derived by a person skilled in the art from the embodiments given herein without making any creative effort, shall fall within the protection scope of the present invention.
Referring to fig. 1, a cardless automatic teller machine using multiple identifications of a mobile terminal and an identification card includes a main body including: the system comprises a host system, an identification system and a communication system, wherein the host system is in communication connection with a background server in a bank through the communication system; the host system includes:
the touch screen module is used for receiving a card-free withdrawal operation instruction of a user, realizing a card-free withdrawal operation and displaying a corresponding card-free withdrawal operation result;
the NFC module, wherein the NFC module is called closely wireless communication module again for with user's mobile terminal communication connection, be used for receiving the information of withdrawing money and the protection information of mobile terminal transmission, the information of withdrawing money includes: card number information and withdrawal amount information of a user; the protection information includes: card information, identity card information; the mobile terminal adopts a smart phone, and a mobile phone bank is installed on the smart phone. Most of the existing smart phones can be connected with an NFC module.
The recognition system includes:
the face recognition module is used for verifying whether the information of the card-free withdrawal user is consistent with the information of the storage user, the face recognition module is separately in communication connection with a database of the background server, and the independent processor compares the face information of the user; the requirement of the face recognition on the processor is too high, and in order to ensure accuracy, the image is processed by the independent processor.
The voice recognition module is the same as the face recognition module and is used for verifying whether the information of the card-free money withdrawing user is consistent with that of the storage user or not; and a voice recording end of the voice recognition module is provided with a microphone system for recording voice information of a user.
The two-dimensional code verification module sends a verification code to a reserved mobile phone number of a user after the user fills in withdrawal information;
and the fingerprint identification module is used for inputting the fingerprint information of the user, comparing the fingerprint information with the user information during account opening and judging whether the fingerprint information is consistent with the stored user. The safe and reliable money withdrawing service is provided for the user, the safety performance is greatly improved, and when the user card is not carried, the user can withdraw money, so that the life of people is facilitated.
The main part still includes send paper money module, and when face identification module, voice recognition module, two-dimensional code verification module, user that fingerprint identification module discerned were unanimous with card deposit user, according to the information of withdrawing money, send out the bank note of corresponding quantity.
The main body is also provided with an encryption storage module, the encryption storage module records the withdrawal amount of the user and the withdrawal time to record events, an event log file is formed, and the event log file is stored in the background server. The camera module further comprises an image encryption module, and the image encryption module encrypts scene image information withdrawn by a user to form an image log file and transmits the image log file to the background server. Through recording the withdrawal information of the user at that time and the image during withdrawal, a record is formed, and later-period responsibility tracing is facilitated.
The host system also comprises a camera module, the camera module is connected with the face recognition module, and the camera module is not only used for an image input port of face recognition, but also used for recording scene image information of withdrawal of a user in a withdrawal site.
The host system is also provided with an information feedback module, and the information feedback module is in communication connection with the NFC module and is used for sending the money withdrawing amount information, the money withdrawing time and the money outlet mark to the mobile terminal.
The present invention is not limited to the above preferred embodiments, and any modifications, equivalent substitutions, improvements, etc. within the spirit and principle of the present invention should be included in the protection scope of the present invention.
Claims (7)
1. A cardless automatic teller machine using multiple identifications of a mobile terminal and an identity card, comprising a main body, wherein the main body comprises: the system comprises a host system, an identification system and a communication system, wherein the host system is in communication connection with a background server in a bank through the communication system; the host system includes:
the touch screen module is used for receiving a card-free withdrawal operation instruction of a user, realizing a card-free withdrawal operation and displaying a corresponding card-free withdrawal operation result;
the NFC module is used for being in communication connection with a mobile terminal of a user and used for receiving withdrawal information and protection information transmitted by the mobile terminal, and the withdrawal information comprises: card number information and withdrawal amount information of a user; the protection information includes: card information, identity card information;
the recognition system includes:
the face recognition module is used for verifying whether the information of the card-free withdrawal user is consistent with the information of the storage user, the face recognition module is separately in communication connection with a database of the background server, and the independent processor compares the face information of the user;
the voice recognition module is the same as the face recognition module and is used for verifying whether the information of the card-free money withdrawing user is consistent with that of the storage user or not;
the two-dimensional code verification module sends a verification code to a reserved mobile phone number of a user after the user fills in withdrawal information;
and the fingerprint identification module is used for inputting the fingerprint information of the user, comparing the fingerprint information with the user information during account opening and judging whether the fingerprint information is consistent with the stored user.
The main body further comprises a banknote sending module, and when the human face recognition module, the voice recognition module, the two-dimensional code verification module and the user identified by the fingerprint recognition module are consistent with the card deposit user, banknotes with corresponding quantity are sent out according to withdrawal information.
2. The cardless cash dispenser using multiple identifications of a mobile terminal and an identification card according to claim 1, wherein the main body is further provided with an encryption storage module, the encryption storage module records the amount of money withdrawn by a user and the withdrawal time for event recording, forms an event log file, and stores the event log file in a background server.
3. The cardless cash dispenser using multiple identifications of a mobile terminal and an identification card according to claim 1, wherein the mobile terminal is a smart phone, and a mobile banking is installed on the smart phone.
4. The card-free automatic teller machine using mobile terminal and multiple identification of identity card according to claim 2, wherein said host system further comprises a camera module, said camera module is connected to said face recognition module, and is not only used for image input port of face recognition, but also used for recording scene image information of withdrawal of user at the site of withdrawal.
5. The card-free automatic teller machine using mobile terminal and identification card for multiple identifications according to claim 4, wherein the camera module further comprises an image encryption module, the image encryption module encrypts the scene image information withdrawn by the user to form an image log file, and transmits the image log file to the background server.
6. The card-free automatic teller machine using multiple identifications of a mobile terminal and an identification card according to claim 1, wherein an information feedback module is further disposed on the host system, and the information feedback module is communicatively connected to the NFC module and configured to send withdrawal amount information, withdrawal time, and a cash-out flag to the mobile terminal.
7. The card-free automatic teller machine using mobile terminal and identification card multiple recognition according to claim 1, wherein a microphone system is disposed at a voice recording end of the voice recognition module for recording voice information of the user.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN202110041512.2A CN112767617A (en) | 2021-01-13 | 2021-01-13 | Card-free automatic teller machine utilizing mobile terminal and identity card multiple identification |
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| Application Number | Priority Date | Filing Date | Title |
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| CN202110041512.2A CN112767617A (en) | 2021-01-13 | 2021-01-13 | Card-free automatic teller machine utilizing mobile terminal and identity card multiple identification |
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| CN112767617A true CN112767617A (en) | 2021-05-07 |
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| CN202110041512.2A Pending CN112767617A (en) | 2021-01-13 | 2021-01-13 | Card-free automatic teller machine utilizing mobile terminal and identity card multiple identification |
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Cited By (1)
| Publication number | Priority date | Publication date | Assignee | Title |
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| CN113554825A (en) * | 2021-06-16 | 2021-10-26 | 浪潮金融信息技术有限公司 | Card-free deposit and withdrawal method, system and medium |
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Application publication date: 20210507 |
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