CN106485851B - A kind of no card automatic teller machine and without card withdrawal system - Google Patents
A kind of no card automatic teller machine and without card withdrawal system Download PDFInfo
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- CN106485851B CN106485851B CN201610851265.1A CN201610851265A CN106485851B CN 106485851 B CN106485851 B CN 106485851B CN 201610851265 A CN201610851265 A CN 201610851265A CN 106485851 B CN106485851 B CN 106485851B
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- 238000004891 communication Methods 0.000 claims abstract description 23
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- 229920001276 Ammonium polyphosphate Polymers 0.000 claims description 6
- 230000005540 biological transmission Effects 0.000 claims description 6
- 238000004134 energy conservation Methods 0.000 claims description 6
- 238000000151 deposition Methods 0.000 claims description 4
- 238000010200 validation analysis Methods 0.000 claims description 2
- 238000000034 method Methods 0.000 description 5
- 238000010586 diagram Methods 0.000 description 4
- 238000005516 engineering process Methods 0.000 description 3
- 230000000694 effects Effects 0.000 description 1
- 230000005611 electricity Effects 0.000 description 1
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Classifications
-
- 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]
- G07F19/202—Depositing operations within ATMs
-
- 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]
- G07F19/203—Dispensing operations within ATMs
Abstract
The invention discloses a kind of no card automatic teller machine and without card withdrawal system, the no card automatic teller machine includes: that touch screen display module (1), NFC module (2), Response Code scan module (3), communication module (4), identification module (5), currency checking module (6), counting are handled up module (7) and intelligent microcontroller (8).It is provided by the invention to provide safe and reliable no card the deposit or the withdrawal service without card storage money machine for user, it is also able to achieve to specified mobile payment account and carries out withdrawal service, enrich user without card withdrawal function, and, without remembeing bank card account and mobile payment account, realization that can be simple and fast is operated without card withdrawal, meets people to the simple and efficient safe and reliable diversified demand of no card withdrawal.
Description
Technical field
The present invention relates to withdrawal technical field, in particular to a kind of no card automatic teller machine and without card withdrawal system.
Background technique
With the development of the social economy, the convenience in order to realize withdrawal, the demand of no card withdrawal is more and more.
Existing to withdraw the money generally reservation without card withdrawal without card, client passes through Mobile banking or the Web bank Shen of signing
It please withdraws the money without card, bank provides withdrawal information after verifying client identity and signing information and password, client are defeated in self-service device
Enter corresponding withdrawal information and password is realized and withdrawn the money without card.Reservation withdrawal mode is simultaneously inconvenient, it is difficult to meet the economic activity of people
Demand；And needs input number of withdrawing the money when client's withdrawal, (usually interim mobile phone identifying code or client is certainly for withdrawal password
The disposal password of row setting) etc. information, it is both inconvenient, be also easy to be stolen by others.And it then needs to remember bank without card deposit
Card account and password are inconvenient victory, and can not deposit money into mobile payment account.
Summary of the invention
In order to solve problems in the prior art, the embodiment of the invention provides a kind of no card automatic teller machine and without card withdrawal
System.The technical solution is as follows:
On the one hand, the embodiment of the invention provides a kind of no card automatic teller machines, comprising:
Touch screen display module, for receiving depositing without card or without card withdrawal operational order, and showing corresponding nothing for user
Card deposits or without card withdrawal operating result；
Close range wireless communication (Near Field Communication, referred to as " NFC ") module, it is mobile whole for receiving
End by NFC mode transmit without card deposit information or without card withdrawal information, the no card deposit information, which includes: that user is specified, deposits
The mobile payment account (Identification is referred to as " ID ") or bank card number of money, the no card withdrawal information includes: to take
The money amount of money and the user specified mobile payment ID or bank card number to deduct fees, mobile payment ID and bank card number are and user
Identity binding；
Response Code scan module, provide in the two dimensional code that mobile terminal is shown for identification without card deposit information or without card
Withdrawal information；
Communication module, for being communicated with background server by internet, the background server respectively with mobile payment
Platform is connected with bank net Platform communication；
Identification module is known for cooperating with communication module using the identity identification information stored in background server
The identity of other user；
Currency checking module, for examining the true and false of banknote；
Counting is handled up module, the number for detecting deposit or withdrawing the money, and stores or provide corresponding debt；
Intelligent microcontroller, respectively with touch screen display module, NFC module, Response Code scan module, communication module, identity
Identification module, currency checking module and counting handle up module connection, for when receive user without card withdrawal operational order when,
The identity of user is identified by the identification module, and when the identity of user passes through verifying, will pass through the NFC module
Or the Response Code scan module get be uploaded to background server without card withdrawal information, and issued according to background server
Operational order of making loans to control counting module of handling up be that user provides corresponding debt；
The intelligence microcontroller is also used to when receiving when instructing without card deposit operation of user, and control counting is handled up
Module checks user's credit, and the identity of user is identified by identification module, then when the identity of user is by testing
When card, uploaded what credit information and the transmission of the NFC module or the Response Code scan module were come without card deposit information
To background server, and the gathering operational order issued according to background server is completed accordingly without card deposit operation.
In the above-mentioned no card automatic teller machine of the embodiment of the present invention, the identification module, comprising:
Identity card identification module is connect with intelligent microcontroller, for obtaining the identity information in user identity card；
Fingerprint identification module is connect with intelligent microcontroller, for obtaining the finger print information of user；
Photographing module is connect with intelligent microcontroller, for obtaining the facial image information of user.
In the above-mentioned no card automatic teller machine of the embodiment of the present invention, the intelligence microcontroller is also used to that touch screen ought be passed through
When display module receives the withdrawal operational order of user, by the user fingerprints information obtained by fingerprint identification module and pass through
The user's face image information that photographing module obtains, is uploaded to background server to verify user identity, then when the finger of user
When line information and facial image information pass through verifying, by what is obtained by the NFC module or the Response Code scan module
Withdrawal information is uploaded to background server, and controls the counting according to the operational order of making loans that background server issues and handle up mould
Block is that user provides corresponding debt.
In the above-mentioned no card automatic teller machine of the embodiment of the present invention, the intelligence microcontroller is also used to that touch screen ought be passed through
When display module receives the withdrawal operational order of user, by the user fingerprints information obtained by fingerprint identification module, pass through
The user identity that the user's face image information and identity card identification module that photographing module obtains obtain demonstrate,proves information, is uploaded to
Background server is to verify user identity, then when the finger print information of user, facial image information and ID card information are logical
When crossing verifying, it will be uploaded to background server by the withdrawal information of the NFC module or Response Code scan module acquisition,
And the counting is controlled according to the operational order of making loans that background server issues and handles up module for the corresponding debt of user's granting.
In the above-mentioned no card automatic teller machine of the embodiment of the present invention, the intelligence microcontroller, for when aobvious by touch screen
When showing that module receives the deposit operation instruction of user, control counting module of handling up checks user's credit, and will pass through finger
The user fingerprints information of line identification module acquisition, the user's face image information obtained by photographing module and identity card are known
At least one of user identity card information that other module obtains, is uploaded to background server to verify user identity, then when with
When the identity at family passes through verifying, deposited what credit information and the transmission of the NFC module or the Response Code scan module were come
Money information is uploaded to background server, and completes corresponding deposit operation according to the gathering operational order that background server issues.
In the above-mentioned no card automatic teller machine of the embodiment of the present invention, further includes:
Voice module is connect with intelligent microcontroller, for cooperating with photographing module, the common scene access for recording user
Money scene information.
In the above-mentioned no card automatic teller machine of the embodiment of the present invention, further includes:
Storage module is connect with intelligent microcontroller, for backing up the live withdrawal scene information of user.
In the above-mentioned no card automatic teller machine of the embodiment of the present invention, the intelligence microcontroller is also used to showing user
Field withdrawal scene information is uploaded in background server by communication module to be backed up.
In the above-mentioned no card automatic teller machine of the embodiment of the present invention, further includes:
Power supply, for powering for no card automatic teller machine；
Power management module is connect with power supply and intelligent microcontroller respectively, for receiving intelligent microcontroller hair
After the energy conservation power supply instruction sent, control power supply enters energy saving powering mode, and the energy conservation power supply instruction is the intelligent microcontroller
Device detects to be issued when carrying out withdrawal operation without user in preset time period；
The power management module is also used to after receiving the normal power supply instruction that intelligent microcontroller is sent, control
Power supply enters normal power supply mode, and the normal power supply instruction is that the intelligent microcontroller has detected that user carries out withdrawal
It is issued when operation.
On the other hand, the embodiment of the invention provides a kind of no card withdrawal systems, comprising: mobile terminal, described above
Without card automatic teller machine and background server,
NFC chip is provided on the mobile terminal, without card withdrawal application program (Application, referred to as " APP ")
In at least one, NFC chip binding has mobile payment ID or bank card number, and the no card withdrawal APP can generate packet
Containing no card deposit information or without card withdrawal information dynamic two-dimension code, the no card deposit information includes: the shifting of user's designated deposit
Dynamic payment ID or bank card number, the no card withdrawal information include: withdrawal amount and the specified mobile payment deducted fees of user
ID or bank card number,
Background server is connect with mobile payment platform and bank net Platform communication respectively, the mobile terminal and described
No card automatic teller machine passes through internet and connect with background server.
Technical solution provided in an embodiment of the present invention has the benefit that
Pass through touch screen display module, NFC module, Response Code scan module, communication module, identification module, money-checking mould
Block, counting handle up module and intelligent microcontroller constitutes no card automatic teller machine, this stores money machine without card and provides for user
It is safe and reliable without card the deposit or the withdrawal service, moreover it is possible to realize to specified mobile payment account and carry out withdrawal service, enrich
User without card withdrawal function, moreover, without remembeing bank card account and mobile payment account, the simple and fast realization of energy
No card withdrawal operation, meets people to the simple and efficient safe and reliable diversified demand of no card withdrawal.
Detailed description of the invention
To describe the technical solutions in the embodiments of the present invention more clearly, make required in being described below to embodiment
Attached drawing is briefly described, it should be apparent that, drawings in the following description are only some embodiments of the invention, for
For those of ordinary skill in the art, without creative efforts, it can also be obtained according to these attached drawings other
Attached drawing.
Fig. 1 is a kind of structural schematic diagram for no card automatic teller machine that the embodiment of the present invention one provides；
Fig. 2 is a kind of structural schematic diagram for identification module that the embodiment of the present invention one provides；
Fig. 3 is a kind of structural schematic diagram for no card automatic teller machine that the embodiment of the present invention one provides；
Fig. 4 is a kind of structural schematic diagram of no card withdrawal system provided by Embodiment 2 of the present invention.
Specific embodiment
To make the object, technical solutions and advantages of the present invention clearer, below in conjunction with attached drawing to embodiment party of the present invention
Formula is described in further detail.
Embodiment one
The embodiment of the invention provides a kind of no card automatic teller machines, and referring to Fig. 1, this may include: without card automatic teller machine
Touch screen display module 1, for receiving depositing without card or without card withdrawal operational order, and showing corresponding nothing for user
Card deposits or without card withdrawal operating result.In practical applications, user need on no card automatic teller machine selection need without card
Withdrawal operation, because this can integrate without card automatic teller machine existing has card withdrawal operating function.
NFC module 2, for receive mobile terminal by NFC mode transmit without card deposit information or without card withdrawal information,
No card deposit information includes: the mobile payment ID or bank card number of user's designated deposit, and no card withdrawal information includes: gold of withdrawing the money
Volume and the specified mobile payment ID or bank card number to deduct fees of user.In the present embodiment, mobile payment here can be
The various domestic and international e-payments such as wechat wallet, Alipay, Apply pay, Samsung pay, hce, Microsoft pay.
In addition, mobile payment ID or bank card number are associated with the identity of user or binding.
Response Code scan module 3, provide in the two dimensional code that mobile terminal is shown for identification without card deposit information or nothing
Card withdrawal information.
Communication module 4, for being communicated with background server by internet, background server respectively with mobile payment platform
It is connected with bank net Platform communication.
Identification module 5 utilizes the identity identification information stored in background server for cooperating with communication module 4
Identify the identity of user.In practical applications, various authentication identification technologies be can use, such as: fingerprint identification technology, people
Face identification technology, identity card identification technology etc..
Currency checking module 6, for examining the true and false of banknote.
Counting is handled up module 7, the number for detecting deposit or withdrawing the money, and stores or provide corresponding debt.
Intelligent microcontroller 8, respectively with touch screen display module 1, NFC module 2, Response Code scan module 3, communication module 4,
Identification module 5, currency checking module 6 and counting handle up module 7 connection, for when receive user without card withdraw the money operation
When instruction, the identity of user is identified by identification module 5, and when the identity of user passes through verifying, will pass through NFC module
2 or Response Code scan module 3 get be uploaded to background server (mobile payment ID or bank card number without card withdrawal information
Mobile payment platform or bank net platform validation by being communicated to connect with background server respectively), and according to background server
The operational order control counting of making loans issued handles up module 7 for the corresponding debt of user's granting.
Intelligent microcontroller 8, be also used to when receive user without the instruction of card deposit operation when, control counting is handled up module
7 check user's credit, and the identity of user is identified by identification module 5, then when the identity of user passes through verifying
When, by credit information and by NFC module 2 or Response Code scan module 3 get be uploaded to without card deposit information after
Platform server, and the gathering operational order issued according to background server is completed accordingly without card deposit operation.
In the present embodiment, user only need by mobile terminal (such as: smart phone, Intelligent bracelet, tablet computer
Deng) interact with no card automatic teller machine, no card withdrawal operation can be completed, operating process is convenient and efficient, withdrawal process peace
It is complete reliable, the quick convenient and safe of people is met reliably without card withdrawal demand.
It briefly explains below with reference to Fig. 1 without card withdrawal process:
User first selects required depositing without card or withdraw the money without card to operate on the touch screen display module 1 of no card automatic teller machine
(it should be noted that being selected without also can integrate card withdrawal operation on card automatic teller machine for user), when user selects
It being withdrawn the money when operating without card, user needs to first pass through identification module 5 to verify identity, after the identity of user is verified,
The number that user withdraws the money needed for can inputting on mobile terminals without card, and by NFC mode or the mode scanned the two-dimensional code, it will
No card withdrawal information is transmitted in no card automatic teller machine, and no card automatic teller machine is uploaded to backstage without card withdrawal information for what is received
Server carries out withdrawal transaction processing by background server and mobile payment platform or bank net platform, and accesses to without card
Money machine sends operational order of making loans, and provides corresponding debt to user without card automatic teller machine with control.
When user's selection is without card deposit, deposit is put into counting and handled up in module 7 by user, by counting handle up module 7 and
Currency checking module 6 cooperates, completion checking and (when there is counterfeit money, user can be reminded to be reentered into deposit) to credit, and
Credit is shown on touch screen display module 1, is confirmed by user.After user confirms credit, identification mould is first passed through
Block 5 verifies identity, after the identity of user is verified, by NFC mode or the mode scanned the two-dimensional code, will deposit without card
Information is transmitted in no card automatic teller machine, and no card automatic teller machine will be above-mentioned to backstage clothes without card deposit information and credit information
It is engaged in device, withdrawal transaction processing is carried out by background server and mobile payment platform or bank net platform, and to no card withdrawal
Machine sends gathering operational order, completes accordingly without card deposit operation (such as by deposit income without in card automatic teller machine).
In addition, background server can also send withdrawal operation information on mobile terminal, know for user.
Specifically, referring to fig. 2, identification module 5 may include:
Identity card identification module 51 is connect with intelligent microcontroller 8, for obtaining the identity information in user identity card.
Fingerprint identification module 52 is connect, for obtaining the finger print information of user with intelligent microcontroller 8.
Photographing module 53 is connect, for obtaining the facial image information of user, for recognition of face with intelligent microcontroller 8
It uses.
Further, intelligent microcontroller 8 can be also used for when the withdrawal for receiving user by touch screen display module 1
When operational order, by the user fingerprints information obtained by fingerprint identification module 52 and the user face obtained by photographing module 53
Portion's image information is uploaded to background server to verify user identity, then when the finger print information of user and facial image information
When passing through verifying, the withdrawal information obtained by NFC module 2 or Response Code scan module 3 is uploaded to background server, and
Module 7 is handled up according to the operational order control counting of making loans that background server issues for the corresponding debt of user's granting.
In the present embodiment, when user operate without card withdrawal, in order to ensure the safety of operation, fingerprint can be passed through
Identification and recognition of face double verification, to ensure the correctness of user information.
Further, intelligent microcontroller 8 can be also used for when the withdrawal for receiving user by touch screen display module 1
When operational order, by the user fingerprints information obtained by fingerprint identification module 52, the user face obtained by photographing module 53
The user identity that portion's image information and identity card identification module 51 obtain demonstrate,proves information, is uploaded to background server to verify use
Family identity will pass through NFC then when the finger print information of user, facial image information and ID card information pass through verifying
The withdrawal information that module 2 or Response Code scan module 3 obtain is uploaded to background server, and is put according to what background server issued
The control counting of money operational order handles up module 7 for the corresponding debt of user's granting.
In the present embodiment, in order to further ensure that the safety of subscriber authentication, user can preset setting body
Part card Information Authentication step, such user without card withdraw the money when, can carry out simultaneously three authentications (fingerprint recognition verify,
Recognition of face verifying and ID card information verifying), more ensure the safety withdrawn the money without card.
Further, intelligent microcontroller 8 can be used for as the deposit behaviour for receiving user by touch screen display module 1
When instructing, control counting module 7 of handling up checks user's credit, and the user obtained by fingerprint identification module 52 is referred to
User's body that line information, the user's face image information obtained by photographing module 53 and identity card identification module 51 obtain
Part card at least one of information, is uploaded to background server to verify user identity, then when the identity of user passes through verifying,
The deposit information that credit information and the transmission of NFC module 2 or Response Code scan module 3 are come is uploaded to background server, and
Corresponding deposit operation is completed according to the gathering operational order that background server issues.
In the present embodiment, in terms of the authentication of no card deposit, without harsh as withdrawing the money without card, it is only necessary to user
Pass through one or more verifyings in fingerprint recognition verifying, recognition of face verifying and ID card information verifying.
Optionally, referring to Fig. 3, no card automatic teller machine can also include:
Voice module 12 is connect with intelligent microcontroller 8, common to record showing for user for cooperating with photographing module 53
Field withdrawal scene information.
In the present embodiment, user without card withdrawal scene information (including scene video information and voice messaging) need
It records for subsequent access, provides the evidence remedied to save operation error.
Further, referring to Fig. 3, no card automatic teller machine can also include:
Storage module 9 is connect with intelligent microcontroller 8, for backing up the live withdrawal scene information of user.
Further, intelligent microcontroller 8 is also used to the live withdrawal scene information of user passing through communication module 4
It uploads in background server and is backed up.
In the present embodiment, the live withdrawal scene information of user can first be stored in the storage mould of no card automatic teller machine
It in block 9, and is backed up in background server, has ensured the reliability of live withdrawal scene information storage.
Optionally, referring to Fig. 3, no card automatic teller machine can also include:
Power supply 10, for powering for no card automatic teller machine；
Power management module 11 is connect, for receiving intelligent microcontroller respectively with power supply and intelligent microcontroller 8
After the 8 energy conservation power supply instructions sent, control power supply 10 enter energy saving powering mode (such as: the brightness of touch screen display module 1 becomes
Secretly), energy conservation power supply instruction is detected in preset time period (such as: 1 minute) for intelligent microcontroller 8 and is accessed without user
What money issued when operating.
Power management module 11 is also used to after receiving the normal power supply instruction that intelligent microcontroller 8 is sent, control electricity
The entrance of source 10 normal power supply mode (such as: the luminance recovery of touch screen display module 1 is normal), normal power supply instruction is intelligent micro-control
Device 8 processed detects to be issued when user carries out withdrawal operation.
In the present embodiment, this also has power saving function without card automatic teller machine, saves operation cost.
The embodiment of the present invention passes through touch screen display module, NFC module, Response Code scan module, communication module, identification
Module, currency checking module, counting handle up module and intelligent microcontroller constitutes no card automatic teller machine, this is without card storage money machine
Safe and reliable no card the deposit or the withdrawal service is provided for user, moreover it is possible to be realized to specified mobile payment account and be carried out withdrawal
Service, enrich user without card withdrawal function, can be simple moreover, without remembeing bank card account and mobile payment account
Single efficiently to realize no card withdrawal operation, meeting people's safe and reliable diversification simple and efficient to no card withdrawal needs
It asks.
Embodiment two
The embodiment of the invention provides a kind of no card withdrawal systems, and referring to fig. 4, this can wrap without card withdrawal system
It includes: without card automatic teller machine 200 and background server 300 described in mobile terminal 100, embodiment one.
NFC chip is provided on mobile terminal 100, without at least one in card withdrawal APP, NFC chip binding has movement
Payment ID or bank card number, no card withdrawal APP can be generated comprising no card deposit information or without card withdrawal information Dynamic Two-dimensional
Code, no card deposit information includes: the mobile payment ID or bank card number of user's designated deposit, and no card withdrawal information includes: to take
The money amount of money and the specified mobile payment ID or bank card number to deduct fees of user.
Background server 300 is connect with mobile payment platform and bank net Platform communication respectively, mobile terminal 100 and nothing
Card automatic teller machine 200 is connect by internet with background server 300.
In the present embodiment, the working principle of no card automatic teller machine 200 and without card withdrawal process in example 1
It has been described, which is not described herein again.
The embodiment of the present invention passes through touch screen display module, NFC module, Response Code scan module, communication module, identification
Module, currency checking module, counting handle up module and intelligent microcontroller constitutes no card automatic teller machine, this is without card storage money machine
Safe and reliable no card the deposit or the withdrawal service is provided for user, moreover it is possible to be realized to specified mobile payment account and be carried out withdrawal
Service, enrich user without card withdrawal function, can be simple moreover, without remembeing bank card account and mobile payment account
Single efficiently to realize no card withdrawal operation, meeting people's safe and reliable diversification simple and efficient to no card withdrawal needs
It asks.
The serial number of the above embodiments of the invention is only for description, does not represent the advantages or disadvantages of the embodiments.
The foregoing is merely presently preferred embodiments of the present invention, is not intended to limit the invention, it is all in spirit of the invention and
Within principle, any modification, equivalent replacement, improvement and so on be should all be included in the protection scope of the present invention.
Claims (7)
1. a kind of no card automatic teller machine characterized by comprising
Touch screen display module (1), for receiving depositing without card or without card withdrawal operational order, and showing accordingly without card for user
It deposits or without card withdrawal operating result；
NFC module (2), for receive mobile terminal by NFC mode transmit without card deposit information or without card withdrawal information, institute
The mobile payment ID or bank card number that no card deposit information includes: user's designated deposit are stated, the no card withdrawal information includes:
Withdrawal amount and the user specified mobile payment ID or bank card number to deduct fees, mobile payment ID and bank card number with use
Family identity binding；
Response Code scan module (3), provide in the two dimensional code that mobile terminal is shown for identification without card deposit information or without card
Withdrawal information；
Communication module (4), for being communicated by internet with background server, the background server is flat with mobile payment respectively
Platform is connected with bank net Platform communication；
Identification module (5) utilizes the identity identification information stored in background server for cooperating with communication module (4)
Identify the identity of user；
Currency checking module (6), for examining the true and false of banknote；
Counting is handled up module (7), the number for detecting deposit or withdrawing the money, and stores or provide corresponding debt；
Intelligent microcontroller (8), respectively with touch screen display module (1), NFC module (2), Response Code scan module (3), communicate mould
Block (4), identification module (5), currency checking module (6) and counting are handled up module (7) connection, for when receiving user's
When without card withdrawal operational order, the identity of user is identified by the identification module (5), and when the identity of user is by testing
When card, after what will be got by the NFC module (2) or the Response Code scan module (3) is uploaded to without card withdrawal information
Platform server, and the counting is controlled according to the operational order of making loans that background server issues and handles up module (7) for user's granting
Corresponding debt；
The intelligence microcontroller (8), be also used to when receive user without the instruction of card deposit operation when, control counting is handled up mould
Block (7) checks user's credit, and the identity of user is identified by identification module (5), then when the identity of user is logical
When crossing verifying, deposited what credit information and the transmission of the NFC module (2) or the Response Code scan module (3) were come without card
Money information is uploaded to background server, and completes to deposit without card accordingly according to the gathering operational order that background server issues and grasp
Make；
Mobile payment ID or the bank card number mobile payment platform or bank net by being communicated to connect with background server respectively
Platform validation；
The identification module (5), comprising:
Identity card identification module (51) is connect with intelligent microcontroller (8), for obtaining the identity information in user identity card；
Fingerprint identification module (52) is connect, for obtaining the finger print information of user with intelligent microcontroller (8)；
Photographing module (53) is connect, for obtaining the facial image information of user with intelligent microcontroller (8)；
The intelligence microcontroller (8) is also used to when the withdrawal operational order for receiving user by touch screen display module (1)
When, it will the user fingerprints information by fingerprint identification module (52) acquisition and the user's face figure by photographing module (53) acquisition
As information, background server is uploaded to verify user identity, then when the finger print information of user and facial image information are logical
When crossing verifying, backstage will be uploaded to by the withdrawal information of the NFC module (2) or the Response Code scan module (3) acquisition
Server, and the counting is controlled according to the operational order of making loans that background server issues and handles up module (7) for user's granting phase
The debt answered；
The intelligence microcontroller (8) is also used to when the withdrawal operational order for receiving user by touch screen display module (1)
When, will by fingerprint identification module (52) obtain user fingerprints information, by photographing module (53) obtain user's face figure
As the user identity card information that information and identity card identification module (51) obtain, background server is uploaded to verify user
Identity will be by described then when the finger print information of user, facial image information and ID card information pass through verifying
The withdrawal information that NFC module (2) or the Response Code scan module (3) obtain is uploaded to background server, and is taken according to backstage
The operational order of making loans of business device sending controls the counting and handles up module (7) for the corresponding debt of user's granting.
2. no card automatic teller machine according to claim 1, which is characterized in that the intelligence microcontroller (8), for when logical
Cross touch screen display module (1) receive user deposit operation instruction when, control counting handle up module (7) check user deposit number
Volume, and will by fingerprint identification module (52) obtain user fingerprints information, by photographing module (53) obtain user's face
At least one of the user identity card information that image information and identity card identification module (51) obtain, is uploaded to background service
Device is to verify user identity, then when the identity of user passes through verifying, by credit information and the NFC module (2) or
The deposit information that Response Code scan module (3) transmission comes is uploaded to background server, and issued according to background server
Operational order of collecting money completes corresponding deposit operation.
3. no card automatic teller machine according to claim 1, which is characterized in that further include:
Voice module (12) is connect with intelligent microcontroller (8), common to record user's for cooperating with photographing module (53)
Live withdrawal scene information.
4. no card automatic teller machine according to claim 3, which is characterized in that further include:
Storage module (9) is connect with intelligent microcontroller (8), for backing up the live withdrawal scene information of user.
5. no card automatic teller machine according to claim 4, which is characterized in that it is described intelligence microcontroller (8), be also used to by
The live withdrawal scene information of user is uploaded in background server by communication module (4) and is backed up.
6. no card automatic teller machine according to claim 1, which is characterized in that further include:
Power supply (10), for powering for no card automatic teller machine；
Power management module (11) is connect, for receiving intelligent micro-control respectively with power supply (10) and intelligent microcontroller (8)
After the energy conservation power supply instruction that device (8) processed sends, control power supply (10) enters energy saving powering mode, and the energy conservation power supply instruction is institute
It states intelligent microcontroller (8) and detects and issued when carrying out withdrawal operation without user in preset time period；
The power management module (11) is also used to after receiving the normal power supply instruction of intelligent microcontroller (8) transmission, control
Power supply (10) processed enters normal power supply mode, and the normal power supply instruction is that the intelligent microcontroller (8) has detected user
It is issued when progress withdrawal operation.
7. a kind of no card withdrawal system characterized by comprising mobile terminal (100), no card described in claim 1 are deposited
Cash dispenser (200) and background server (300),
NFC chip is provided on the mobile terminal (100), without at least one in card withdrawal APP, the NFC chip binding
There are mobile payment ID or bank card number, the no card withdrawal APP can be generated comprising no card deposit information or be believed without card withdrawal
Dynamic two-dimension code is ceased, the no card deposit information includes: the mobile payment ID or bank card number of user's designated deposit, the nothing
Card withdrawal information includes: that withdrawal amount and user specify the mobile payment ID or bank card number to deduct fees,
Background server (300) is connect with mobile payment platform and bank net Platform communication respectively, the mobile terminal (100)
It is connect by internet with background server (300) with the no card automatic teller machine (200).
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| CN201610851265.1A CN106485851B (en) | 2016-09-26 | 2016-09-26 | A kind of no card automatic teller machine and without card withdrawal system |
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| CN106485851B true CN106485851B (en) | 2019-05-10 |
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| Publication number | Priority date | Publication date | Assignee | Title |
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| CN107423976B (en) * | 2017-06-08 | 2020-04-17 | 深圳科银科技有限公司 | Card-free payment method and system |
| CN107393220A (en) * | 2017-08-30 | 2017-11-24 | 重庆中科云丛科技有限公司 | Bank self-help cash terminals and withdrawal method based on recognition of face |
| CN107657766A (en) * | 2017-10-13 | 2018-02-02 | 陈木镇 | A kind of internet moneychanging system |
| CN107944440A (en) * | 2017-11-10 | 2018-04-20 | 苏州大成电子科技有限公司 | A kind of device for visual identification and recognition methods |
| CN108364225B (en) * | 2018-01-24 | 2019-12-17 | 平安科技（深圳）有限公司 | Self-service opening method, system, equipment and storage medium |
| CN108765786B (en) * | 2018-04-03 | 2020-11-24 | 中电金融设备系统（深圳）有限公司 | Two-dimensional code withdrawal safety verification method and system and computer storage medium |
| CN110379093A (en) * | 2019-05-30 | 2019-10-25 | 郑州中软高科信息技术有限公司 | A kind of automated teller system and method based on human identity information identification |
| CN110458575A (en) * | 2019-07-30 | 2019-11-15 | 西南大学 | A kind of computer system and a kind of computer readable storage medium |
| CN111047796A (en) * | 2019-12-11 | 2020-04-21 | 镇江新一代信息技术产业研究院有限公司 | Deposit and withdrawal method and system based on face recognition |
| CN111640266A (en) * | 2020-06-11 | 2020-09-08 | 中国银行股份有限公司 | Method for depositing and withdrawing money on ATM and intelligent terminal |
| CN112767617A (en) * | 2021-01-13 | 2021-05-07 | 广东奔腾达电子有限公司 | Card-free automatic teller machine utilizing mobile terminal and identity card multiple identification |
| 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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| CN101000702A (en) * | 2006-01-09 | 2007-07-18 | 北京东方兴华科技发展有限责任公司 | Self service system and method |
| CN101017581A (en) * | 2006-02-10 | 2007-08-15 | 刘明晶 | Finance payment terminal paying method without bank card |
| CN204496618U (en) * | 2015-03-02 | 2015-07-22 | 广州广电运通金融电子股份有限公司 | A kind of ATM (Automatic Teller Machine) |
| CN105654377B (en) * | 2015-12-30 | 2020-01-17 | 中国建设银行股份有限公司 | Cardless withdrawal method, related device and system |
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