CN106651566A - Card-free withdrawal method and apparatus - Google Patents
Card-free withdrawal method and apparatus Download PDFInfo
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- CN106651566A CN106651566A CN201611154331.6A CN201611154331A CN106651566A CN 106651566 A CN106651566 A CN 106651566A CN 201611154331 A CN201611154331 A CN 201611154331A CN 106651566 A CN106651566 A CN 106651566A
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- remittee
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
- G06Q40/02—Banking, e.g. interest calculation or account maintenance
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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]
- G07F19/203—Dispensing operations within ATMs
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Abstract
The invention discloses a card-free withdrawal method and apparatus. The method comprises the steps of receiving a withdrawal request used for performing card-free withdrawal; acquiring palm vein feature information of a payee; identifying whether the payee is a registered user or not according to the acquired palm vein feature information; and when the payee is the registered user, obtaining bank account information registered by the payee, wherein the bank account information is used for the payee to perform withdrawal operation. According to the method and the apparatus, the palm vein feature information of the payee is acquired, whether the current payee is the registered user or not by utilizing the palm vein feature information, and if yes, the bank account information registered by the payee is obtained and used for the payee to perform the withdrawal operation, so that the user can perform card-free withdrawal without carrying any device, a magnetic card or the like, and the withdrawal is convenient.
Description
Technical field
The present invention relates to identity identifying technology field, and in particular to one kind is without card withdrawal method and device.
Background technology
Traditional bank withdrawal system needs to read user's bank card first, after user input password, then is inquired about, is taken
Money, a series of operations to card number corresponding account such as transfer accounts.This mode requires that first user must carry bank card, in user's silver
Row card is lost or such as need to promptly not withdrawn the money in the case of band, just very inconvenient.
It is more existing to include without card withdrawal scheme：By phone number and short message verification code login user account, carry out
The mode of withdrawal password is input again during other operations, but this needs to be grasped accordingly by mobile phone without card withdrawal mode
Make, when mobile phone lose or not at one's side when, still cannot be withdrawn the money, withdraw the money inconvenient.
The content of the invention
The technical problem to be solved in the present invention is existing to need to be grasped accordingly by mobile phone without card withdrawal mode
Make, when mobile phone lose or not at one's side when cannot be withdrawn the money, so as to provide one kind without card withdrawal method and device.
The one side of the embodiment of the present invention, there is provided a kind of without card withdrawal method, including：Receive for carrying out being withdrawn the money without card
Withdrawal request；The vena metacarpea characteristic information of collection remittee；The remittee is recognized according to the vena metacarpea characteristic information of collection
Whether it is registered users；When the remittee is registered users, the bank account information of remittee's registration is obtained,
The bank account information is used to carry out withdrawal operation for the remittee.
Alternatively, after receiving for carrying out the withdrawal request withdrawn the money without card, also include：The input of output number information is carried
Show, wherein, the number information includes at least one of：Identification card number, cell-phone number, Bank Account Number；Receive the remittee
The number information of input；Vena metacarpea characteristic information corresponding with the number information is inquired about according to the number information；Wherein, root
Recognize whether the remittee is that registered users include according to the vena metacarpea characteristic information of collection：The vena metacarpea of the collection is special
Reference ceases vena metacarpea characteristic information corresponding with the number information and compares；When comparing successfully, the remittee is determined
It is registered users.
Alternatively, recognize whether the remittee is that registered users include according to the vena metacarpea characteristic information of collection：Obtain
Take the vena metacarpea characteristic information of the user of same day reservation；The use that the vena metacarpea characteristic information of the collection was preengage with the same day
The vena metacarpea characteristic information at family is compared one by one；When existing with remittee's identical vena metacarpea characteristic information, it is determined that
The remittee is registered users.
Alternatively, the bank account that the remittee registers obtains the Bank Account Number letter of remittee's registration as multiple
Breath includes：Obtain the bank account information of all bank accounts of remittee's registration；Receive the account of remittee's input
Number selection signal, to select multiple bank accounts in one.
Alternatively, after obtaining the bank account information of remittee's registration, also include：Export for pointing out described taking
Money people is input into the dialog box of password；Receive the password of remittee's input；The password of remittee input is verified.
The another aspect of the embodiment of the present invention, there is provided one kind is without card withdraw device, it is characterised in that include：First connects
Unit is received, for receiving the withdrawal request for carrying out being withdrawn the money without card；Collecting unit, for gathering the vena metacarpea feature of remittee
Information；Recognition unit, for recognizing whether the remittee is registered users according to the vena metacarpea characteristic information of collection；Obtain
Unit, for when the remittee is registered users, obtaining the bank account information of remittee's registration, the bank
Account information is used to carry out withdrawal operation for the remittee.
Alternatively, also include：First output unit, it is defeated after receiving for carrying out the withdrawal request withdrawn the money without card
Go out the input prompting of number information, wherein, the number information includes at least one of：Identification card number, cell-phone number, bank's account
Number；Second receiving unit, for receiving the number information of remittee's input；Query unit, for being believed according to the number
Breath inquiry vena metacarpea characteristic information corresponding with the number information；Wherein, the recognition unit includes：First comparing module,
For the vena metacarpea characteristic information of collection vena metacarpea characteristic information corresponding with the number information to be compared；First
Determining module, for when comparing successfully, determining that the remittee is registered users.
Alternatively, the recognition unit includes：First acquisition module, it is special for obtaining the vena metacarpea of user of same day reservation
Reference ceases；Second comparing module, the palm of the user for the vena metacarpea characteristic information of the collection to be preengage with the same day is quiet
Arteries and veins characteristic information is compared one by one；Second determining module, for when presence and remittee's identical vena metacarpea feature letter
During breath, determine that the remittee is registered users.
Alternatively, as multiple, the acquiring unit includes the bank account that the remittee registers：Second acquisition module,
For obtaining the bank account information of all bank accounts of remittee's registration；Receiver module, for receiving the withdrawal
People input account selection signal, to select multiple Bank Account Numbers in one.
Alternatively, also include：Second output unit, for after the bank account information for obtaining remittee registration,
Export the dialog box for pointing out the remittee to be input into password；3rd receiving unit, for receiving remittee's input
Password；Authentication unit, for verifying to the password that the remittee is input into.
According to embodiments of the present invention, by the vena metacarpea characteristic information of collection remittee, using the vena metacarpea characteristic information
Recognize whether current remittee is registered users, if it is, the bank account information of remittee's registration is obtained, for withdrawing the money
People carries out withdrawal operation, and so, user need not carry any equipment or magnetic card etc. and be capable of achieving to be withdrawn the money without card, and it is convenient to withdraw the money.
According to embodiments of the present invention, by inquiring about corresponding vena metacarpea characteristic information using number information, by what is collected
Vena metacarpea information is compared with the vena metacarpea characteristic information for inquiring, it is only necessary to which comparison once can determine that whether remittee is
Registered users, the data volume of comparison is substantially reduced, so as to improve the speed of authentication.
In the embodiment of the present invention, due to reservation withdraw the money number of users it is limited, therefore, the data volume of comparison is few, and identity is recognized
The speed of card is correspondingly improved, in addition, user can be input into corresponding number information to be capable of achieving to be withdrawn the money without card.
Certainly, the embodiment of the present invention can also remind user input number information after user's reservation, so, only need
Data query amount is reduced according to corresponding vena metacarpea characteristic information is inquired about in the user that number information was preengage from the same day, be carried
High authentication speed.
Description of the drawings
In order to be illustrated more clearly that the specific embodiment of the invention or technical scheme of the prior art, below will be to concrete
The accompanying drawing to be used needed for embodiment or description of the prior art is briefly described, it should be apparent that, in describing below
Accompanying drawing is some embodiments of the present invention, for those of ordinary skill in the art, before creative work is not paid
Put, can be with according to these other accompanying drawings of accompanying drawings acquisition.
Fig. 1 is the flow chart of a specific example without card withdrawal method in the embodiment of the present invention；
Fig. 2 is the theory diagram of without card withdraw device specific example in the embodiment of the present invention.
Specific embodiment
Technical scheme is clearly and completely described below in conjunction with accompanying drawing, it is clear that described enforcement
Example is a part of embodiment of the invention, rather than the embodiment of whole.Based on the embodiment in the present invention, ordinary skill
The every other embodiment that personnel are obtained under the premise of creative work is not made, belongs to the scope of protection of the invention.
In describing the invention, it should be noted that term " " center ", " on ", D score, "left", "right", " vertical ",
The orientation or position relationship of the instruction such as " level ", " interior ", " outward " be based on orientation shown in the drawings or position relationship, merely to
Be easy to description the present invention and simplify description, rather than indicate or imply indication device or element must have specific orientation,
With specific azimuth configuration and operation, therefore it is not considered as limiting the invention.Additionally, term " first ", " second ",
" the 3rd " is only used for describing purpose, and it is not intended that indicating or implying relative importance.
In describing the invention, it should be noted that unless otherwise clearly defined and limited, term " installation ", " phase
Company ", " connection " should be interpreted broadly, for example, it may be being fixedly connected, or being detachably connected, or be integrally connected；Can
Being to be mechanically connected, or electrically connect；Can be joined directly together, it is also possible to be indirectly connected to by intermediary, can be with
It is the connection of two element internals, can is wireless connection, or wired connection.For one of ordinary skill in the art
For, above-mentioned term concrete meaning in the present invention can be understood with concrete condition.
As long as additionally, technical characteristic involved in invention described below different embodiments non-structure each other
Just can be combined with each other into conflict.
The present embodiment provides one kind without card withdrawal method, and the program can be applied in taking automatically with vena metacarpea scanner
On money machine.Introduce the embodiment of the present invention without card withdrawal method before, first introduce using the present embodiment without card withdrawal method
Account Registration flow process before, the logon mode is using the premise withdrawn the money without card.
Specifically, user is needed in bank counter typing accounts information when bank account is registered, including contact method
(such as phone number, cell-phone number), name, identity card, and typing vena metacarpea characteristic information, with accounts information binding, Ran Houcun
Enter bank database system.
As shown in figure 1, the present embodiment includes without card withdrawal method：
Step S101, receives the withdrawal request for carrying out being withdrawn the money without card.
When remittee needs to withdraw the money, withdrawal request is clicked on ATM.Taking automatically described in the present embodiment
Money machine has vena metacarpea scanner, and user can select to be withdrawn the money without card and have card to withdraw the money.When user selects to be withdrawn the money without card, namely
It is that the withdrawal request withdrawn the money without card is input into ATM.
Step S102, gathers the vena metacarpea characteristic information of remittee.
When remittee is placed on palm on vena metacarpea scanner, the vena metacarpea feature letter of vena metacarpea scanner collection remittee
Breath.
Step S103, whether the vena metacarpea characteristic information identification remittee according to collection is registered users.
Step S104, when remittee is registered users, obtains the bank account information of remittee's registration, Bank Account Number
Information is used to carry out withdrawal operation for remittee.
After collecting the vena metacarpea characteristic information of remittee, remittee is recognized using the vena metacarpea characteristic information
Card, can compare it with the vena metacarpea characteristic information of registered users, if compared successfully, show current remittee
For registered users, bank account is registered with, obtained the bank account information of remittee's registration, and shown Bank Account Number
Information.Remittee carries out withdrawing the money when operating, and is input into withdraw funds, and ATM receives the withdraw funds of remittee's input, defeated
Go out the currency of the correspondence amount of money, and the bank account of remittee is carried out to wait withholing for the amount of money, realize without card withdrawal.
According to embodiments of the present invention, by the vena metacarpea characteristic information of collection remittee, using the vena metacarpea characteristic information
Recognize whether current remittee is registered users, if it is, the bank account information of remittee's registration is obtained, for withdrawing the money
People carries out withdrawal operation, and so, user need not carry any equipment or magnetic card etc. and be capable of achieving to be withdrawn the money without card, and it is convenient to withdraw the money.
As a kind of optional embodiment of above-described embodiment, the embodiment of the present invention without card withdrawal method, use receiving
In carry out without card withdraw the money withdrawal request after, also include：The input prompting of output number information, wherein, number information includes
At least one of：Identification card number, cell-phone number, Bank Account Number；Receive the number information of remittee's input；Looked into according to number information
Ask vena metacarpea characteristic information corresponding with number information；Wherein, whether remittee is recognized according to the vena metacarpea characteristic information of collection
It is that registered users include：The vena metacarpea characteristic information of collection vena metacarpea characteristic information corresponding with number information is compared
It is right；When comparing successfully, determine that remittee is registered users.
In the embodiment of the present invention, due to when carrying out bank account and registering, the vena metacarpea characteristic information of user and its identity
Card number either bind by cell-phone number or Bank Account Number correspondence, and the speed conscientious in order to improve remittee's identity in the present embodiment, is led to
The number information for crossing remittee's input inquires corresponding vena metacarpea characteristic information, by itself and the vena metacarpea characteristic information for collecting
Compare, compare and successfully then determine remittee's registered users, conversely, then it is believed that remittee's non-number information correspondence
Bank account householder.
According to embodiments of the present invention, by inquiring about corresponding vena metacarpea characteristic information using number information, by what is collected
Vena metacarpea information is compared with the vena metacarpea characteristic information for inquiring, it is only necessary to which comparison once can determine that whether remittee is
Registered users, the data volume of comparison is substantially reduced, so as to improve the speed of authentication.
As another kind of optional embodiment of above-described embodiment, according to the vena metacarpea characteristic information identification remittee of collection
Whether it is that registered users include：Obtain the vena metacarpea characteristic information of the user of same day reservation；By the vena metacarpea feature letter of collection
Cease and compare one by one with the vena metacarpea characteristic information of the user of same day reservation；When presence and remittee's identical vena metacarpea feature
During information, determine that remittee is registered users.
In the present embodiment, user can extract reservation and withdraw the money, and corresponding ATM be selected in reservation, when user exists
Using when withdrawing the money without card on the ATM of reservation, ATM obtains the vena metacarpea feature of the user of same day reservation automatically
Information, then compares it with the vena metacarpea characteristic information of collection, to confirm whether remittee is registered users one by one.
In the embodiment of the present invention, due to reservation withdraw the money number of users it is limited, therefore, the data volume of comparison is few, and identity is recognized
The speed of card is correspondingly improved, in addition, user can be input into corresponding number information to be capable of achieving to be withdrawn the money without card.
Certainly, the embodiment of the present invention can also remind user input number information after user's reservation, so, only need
Data query amount is reduced according to corresponding vena metacarpea characteristic information is inquired about in the user that number information was preengage from the same day, be carried
High authentication speed.
As a kind of optional embodiment of above-described embodiment, on the basis of above-described embodiment, remittee's registration
Bank account is multiple, obtains the bank account information of remittee's registration and includes：Obtain all bank accounts of remittee's registration
Bank account information；Receive remittee input account selection signal, to select multiple Bank Account Numbers in one.
In the present embodiment, when same user's registration there are multiple bank accounts, after to remittee's certification success, obtain
The bank account information of the corresponding all of bank account of remittee is taken, to facilitate remittee therefrom to select the bank for withdrawing the money
Account, it is to avoid want the account of withdrawal in the bank account of acquisition without user.
As a kind of optional embodiment of above-described embodiment, after obtaining the bank account information of remittee's registration, also
Including：Export the dialog box for pointing out remittee to be input into password；Receive the password of remittee's input；To the close of remittee's input
Code is verified.
In the present embodiment, after the bank account information for getting remittee, the withdraw funds of user input response, from
Dynamic cash dispenser is received after withdraw funds, is input into Password Input dialog box, for pointing out remittee to be input into account password, works as withdrawal
After people's input password, the password is authenticated, to confirm whether password is correct, if correctly, the goods of the output correspondence amount of money
Coin, conversely, then output password miscue.
According to embodiments of the present invention, by verifying to account password, it is further ensured that the security of bank account.
The embodiment of the present invention additionally provides one kind without card withdraw device, and the device can be used for performing the embodiment of the present invention
Without card withdrawal method, as shown in Fig. 2 the device includes：First receiving unit 10, collecting unit 20, recognition unit 30 and acquisition
Unit 40.
First receiving unit 10 is used to receive the withdrawal request for carrying out being withdrawn the money without card.
When remittee needs to withdraw the money, withdrawal request is clicked on ATM.Taking automatically described in the present embodiment
Money machine has vena metacarpea scanner, and user can select to be withdrawn the money without card and have card to withdraw the money.When user selects to be withdrawn the money without card, namely
It is that the withdrawal request withdrawn the money without card is input into ATM.
Collecting unit 20 is used to gather the vena metacarpea characteristic information of remittee.
When remittee is placed on palm on vena metacarpea scanner, the vena metacarpea feature letter of vena metacarpea scanner collection remittee
Breath.
Recognition unit 30 is used to recognize whether remittee is registered users according to the vena metacarpea characteristic information of collection.
Acquiring unit 40 is used for when remittee is registered users, obtains the bank account information of remittee's registration, silver
Row account information is used to carry out withdrawal operation for remittee.
After collecting the vena metacarpea characteristic information of remittee, remittee is recognized using the vena metacarpea characteristic information
Card, can compare it with the vena metacarpea characteristic information of registered users, if compared successfully, show current remittee
For registered users, bank account is registered with, obtained the bank account information of remittee's registration, and shown Bank Account Number
Information.Remittee carries out withdrawing the money when operating, and is input into withdraw funds, and ATM receives the withdraw funds of remittee's input, defeated
Go out the currency of the correspondence amount of money, and the bank account of remittee is carried out to wait withholing for the amount of money, realize without card withdrawal.
According to embodiments of the present invention, by the vena metacarpea characteristic information of collection remittee, using the vena metacarpea characteristic information
Recognize whether current remittee is registered users, if it is, the bank account information of remittee's registration is obtained, for withdrawing the money
People carries out withdrawal operation, and so, user need not carry any equipment or magnetic card etc. and be capable of achieving to be withdrawn the money without card, and it is convenient to withdraw the money.
Used as a kind of optional embodiment of above-described embodiment, the embodiment of the present invention also includes without card withdraw device：The
One output unit, after receiving for carrying out the withdrawal request withdrawn the money without card, exports the input prompting of number information, its
In, number information includes at least one of：Identification card number, cell-phone number, Bank Account Number；Second receiving unit, takes for receiving
The number information of money people input；Query unit, for inquiring about vena metacarpea feature letter corresponding with number information according to number information
Breath；Wherein, recognition unit includes：First comparing module, for the vena metacarpea characteristic information of collection is corresponding with number information
Vena metacarpea characteristic information is compared；First determining module, for when comparing successfully, determining that remittee is registered users.
In the embodiment of the present invention, due to when carrying out bank account and registering, the vena metacarpea characteristic information of user and its identity
Card number either bind by cell-phone number or Bank Account Number correspondence, and the speed conscientious in order to improve remittee's identity in the present embodiment, is led to
The number information for crossing remittee's input inquires corresponding vena metacarpea characteristic information, by itself and the vena metacarpea characteristic information for collecting
Compare, compare and successfully then determine remittee's registered users, conversely, then it is believed that remittee's non-number information correspondence
Bank account householder.
According to embodiments of the present invention, by inquiring about corresponding vena metacarpea characteristic information using number information, by what is collected
Vena metacarpea information is compared with the vena metacarpea characteristic information for inquiring, it is only necessary to which comparison once can determine that whether remittee is
Registered users, the data volume of comparison is substantially reduced, so as to improve the speed of authentication.
Used as another kind of optional embodiment of above-described embodiment, recognition unit includes：First acquisition module, for obtaining
The vena metacarpea characteristic information of the user of same day reservation；Second comparing module, for will collection vena metacarpea characteristic information and the same day
The vena metacarpea characteristic information of the user of reservation is compared one by one；Second determining module, for when presence and remittee's identical
During vena metacarpea characteristic information, determine that remittee is registered users.
In the present embodiment, user can extract reservation and withdraw the money, and corresponding ATM be selected in reservation, when user exists
Using when withdrawing the money without card on the ATM of reservation, ATM obtains the vena metacarpea feature of the user of same day reservation automatically
Information, then compares it with the vena metacarpea characteristic information of collection, to confirm whether remittee is registered users one by one.
In the embodiment of the present invention, due to reservation withdraw the money number of users it is limited, therefore, the data volume of comparison is few, and identity is recognized
The speed of card is correspondingly improved, in addition, user can be input into corresponding number information to be capable of achieving to be withdrawn the money without card.
Certainly, the embodiment of the present invention can also remind user input number information after user's reservation, so, only need
Data query amount is reduced according to corresponding vena metacarpea characteristic information is inquired about in the user that number information was preengage from the same day, be carried
High authentication speed.
As a kind of optional embodiment of above-described embodiment, on the basis of above-described embodiment, remittee's registration
Bank account is multiple, and acquiring unit includes：Second acquisition module, for obtaining the silver of all bank accounts of remittee's registration
Row account information；Receiver module, for receive remittee input account selection signal, to select multiple Bank Account Numbers in one
It is individual.
In the present embodiment, when same user's registration there are multiple bank accounts, after to remittee's certification success, obtain
The bank account information of the corresponding all of bank account of remittee is taken, to facilitate remittee therefrom to select the bank for withdrawing the money
Account, it is to avoid want the account of withdrawal in the bank account of acquisition without user.
Used as a kind of optional embodiment of above-described embodiment, the device of the present embodiment also includes：Second output unit, uses
After the bank account information for obtaining remittee's registration, the dialog box for pointing out remittee to be input into password is exported；3rd connects
Unit is received, for receiving the password of remittee's input；Authentication unit, for verifying to the password that remittee input.
In the present embodiment, after the bank account information for getting remittee, the withdraw funds of user input response, from
Dynamic cash dispenser is received after withdraw funds, is input into Password Input dialog box, for pointing out remittee to be input into account password, works as withdrawal
After people's input password, the password is authenticated, to confirm whether password is correct, if correctly, the goods of the output correspondence amount of money
Coin, conversely, then output password miscue.
According to embodiments of the present invention, by verifying to account password, it is further ensured that the security of bank account.
Those skilled in the art are it should be appreciated that embodiments of the invention can be provided as method, system or computer program
Product.Therefore, the present invention can be using complete hardware embodiment, complete software embodiment or with reference to the reality in terms of software and hardware
Apply the form of example.And, the present invention can be adopted and wherein include the computer of computer usable program code at one or more
The computer program implemented in usable storage medium (including but not limited to magnetic disc store, CD-ROM, optical memory etc.) is produced
The form of product.
The present invention is the flow process with reference to method according to embodiments of the present invention, equipment (system) and computer program
Figure and/or block diagram are describing.It should be understood that can be by computer program instructions flowchart and/or each stream in block diagram
The combination of journey and/or square frame and flow chart and/or the flow process in block diagram and/or square frame.These computer programs can be provided
The processor of all-purpose computer, special-purpose computer, Embedded Processor or other programmable data processing devices is instructed to produce
A raw machine so that produced for reality by the instruction of computer or the computing device of other programmable data processing devices
The device of the function of specifying in present one flow process of flow chart or one square frame of multiple flow processs and/or block diagram or multiple square frames.
These computer program instructions may be alternatively stored in can guide computer or other programmable data processing devices with spy
In determining the computer-readable memory that mode works so that the instruction being stored in the computer-readable memory is produced to be included referring to
Make the manufacture of device, the command device realize in one flow process of flow chart or one square frame of multiple flow processs and/or block diagram or
The function of specifying in multiple square frames.
These computer program instructions also can be loaded into computer or other programmable data processing devices so that in meter
Series of operation steps is performed on calculation machine or other programmable devices to produce computer implemented process, so as in computer or
The instruction performed on other programmable devices is provided for realizing in one flow process of flow chart or multiple flow processs and/or block diagram one
The step of function of specifying in individual square frame or multiple square frames.
Obviously, above-described embodiment is only intended to clearly illustrate example, and not to the restriction of embodiment.It is right
For those of ordinary skill in the art, can also make on the basis of the above description other multi-forms change or
Change.There is no need to be exhaustive to all of embodiment.And the obvious change thus extended out or
Among changing still in the protection domain of the application.
Claims (10)
1. one kind is without card withdrawal method, it is characterised in that include：
Receive the withdrawal request for carrying out being withdrawn the money without card；
The vena metacarpea characteristic information of collection remittee；
Recognize whether the remittee is registered users according to the vena metacarpea characteristic information of collection；
When the remittee is registered users, the bank account information of remittee's registration, the Bank Account Number are obtained
Information is used to carry out withdrawal operation for the remittee.
2. it is according to claim 1 without card withdrawal method, it is characterised in that receiving please for carrying out the withdrawal withdrawn the money without card
After asking, also include：
The input prompting of output number information, wherein, the number information includes at least one of：Identification card number, cell-phone number,
Bank Account Number；
Receive the number information of remittee's input；
Vena metacarpea characteristic information corresponding with the number information is inquired about according to the number information；
Wherein, recognize whether the remittee is that registered users include according to the vena metacarpea characteristic information of collection：Adopt described
The vena metacarpea characteristic information vena metacarpea characteristic information corresponding with the number information of collection is compared；When comparing successfully, really
The fixed remittee is registered users.
3. it is according to claim 1 and 2 without card withdrawal method, it is characterised in that according to the vena metacarpea characteristic information of collection
Recognize whether the remittee is that registered users include：
Obtain the vena metacarpea characteristic information of the user of same day reservation；
The vena metacarpea characteristic information of the user that the vena metacarpea characteristic information of the collection was preengage with the same day is compared one by one
It is right；
When existing with remittee's identical vena metacarpea characteristic information, determine that the remittee is registered users.
4. according to any one of claims 1 to 3 without card withdrawal method, it is characterised in that the silver of remittee registration
Row account is multiple, obtains the bank account information of remittee's registration and includes：
Obtain the bank account information of all bank accounts of remittee's registration；
Receive the account selection signal of remittee input, to select multiple bank accounts in one.
5. according to any one of Claims 1-4 without card withdrawal method, it is characterised in that obtain remittee registration
Bank account information after, also include：
Export the dialog box for pointing out the remittee to be input into password；
Receive the password of remittee's input；
The password of remittee input is verified.
6. one kind is without card withdraw device, it is characterised in that include：
First receiving unit, for receiving the withdrawal request for carrying out being withdrawn the money without card；
Collecting unit, for gathering the vena metacarpea characteristic information of remittee；
Recognition unit, for recognizing whether the remittee is registered users according to the vena metacarpea characteristic information of collection；
Acquiring unit, for when the remittee is registered users, obtaining the bank account information of remittee's registration,
The bank account information is used to carry out withdrawal operation for the remittee.
7. it is according to claim 6 without card withdraw device, it is characterised in that also to include：
First output unit, after receiving for carrying out the withdrawal request withdrawn the money without card, the input for exporting number information is carried
Show, wherein, the number information includes at least one of：Identification card number, cell-phone number, Bank Account Number；
Second receiving unit, for receiving the number information of remittee's input；
Query unit, for inquiring about vena metacarpea characteristic information corresponding with the number information according to the number information；
Wherein, the recognition unit includes：First comparing module, for by the vena metacarpea characteristic information of the collection with described number
The corresponding vena metacarpea characteristic information of code information is compared；First determining module, for when comparing successfully, determining the withdrawal
People is registered users.
8. according to claim 6 or 7 without card withdraw device, it is characterised in that the recognition unit includes：
First acquisition module, for obtaining the vena metacarpea characteristic information of the user of same day reservation；
Second comparing module, the vena metacarpea of the user for the vena metacarpea characteristic information of the collection to be preengage with the same day is special
Reference breath is compared one by one；
Second determining module, for when existing with remittee's identical vena metacarpea characteristic information, determining the remittee
It is registered users.
9. according to any one of claim 6 to 8 without card withdraw device, it is characterised in that the silver of remittee registration
Row account is multiple, and the acquiring unit includes：
Second acquisition module, for obtaining the bank account information of all bank accounts of remittee's registration；
Receiver module, for receiving the account selection signal of remittee input, to select multiple Bank Account Numbers in one
It is individual.
10. according to any one of claim 6 to 9 without card withdraw device, it is characterised in that also include：
Second output unit, for after the bank account information for obtaining remittee's registration, exporting for pointing out described taking
Money people is input into the dialog box of password；
3rd receiving unit, for receiving the password of remittee's input；
Authentication unit, for verifying to the password that the remittee is input into.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201611154331.6A CN106651566A (en) | 2016-12-14 | 2016-12-14 | Card-free withdrawal method and apparatus |
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201611154331.6A CN106651566A (en) | 2016-12-14 | 2016-12-14 | Card-free withdrawal method and apparatus |
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| CN106651566A true CN106651566A (en) | 2017-05-10 |
Family
ID=58822558
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| Application Number | Title | Priority Date | Filing Date |
|---|---|---|---|
| CN201611154331.6A Pending CN106651566A (en) | 2016-12-14 | 2016-12-14 | Card-free withdrawal method and apparatus |
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| Country | Link |
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| CN (1) | CN106651566A (en) |
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| CN108682089A (en) * | 2018-09-05 | 2018-10-19 | 上海聚虹光电科技有限公司 | Self-service no card withdrawal method based on iris and recognition of face |
| CN109637053A (en) * | 2018-11-08 | 2019-04-16 | 中电金融设备系统（深圳）有限公司 | Server, self-service operation system, method for processing business and readable storage medium storing program for executing |
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| CN113313888A (en) * | 2021-05-24 | 2021-08-27 | 中国银行股份有限公司 | ATM card-free withdrawal system and method based on block chain |
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