CN107610370A - Not plug-in card ATM and not plug-in card financial trade method - Google Patents
Not plug-in card ATM and not plug-in card financial trade method Download PDFInfo
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- CN107610370A CN107610370A CN201710758575.3A CN201710758575A CN107610370A CN 107610370 A CN107610370 A CN 107610370A CN 201710758575 A CN201710758575 A CN 201710758575A CN 107610370 A CN107610370 A CN 107610370A
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Abstract
A kind of the embodiment of the invention discloses not plug-in card ATM and not plug-in card financial trade method.The not plug-in card ATM includes：The authentication information recording module and processor being connected, the authentication information that authentication information recording module is used to gather trade user are sent to processor；The Bank One Corp. accounts information that processor is used for acquisition with the authentication information of trade user input matches is supplied to trade user；If receiving the side's of transferring accounts account of selection of the trade user in Bank One Corp. accounts information, alternative purpose transfer account is supplied to trade user；Alternative purpose transfer account includes removing the account outside the side's of transferring accounts account in Bank One Corp. accounts information, and/or the account in the secondary bank accounts information for the association user bound with trade user.By above-mentioned not plug-in card ATM, user need not be manually entered when handling transferred account service to be transferred account card number and can complete transfer operation, has provided the user great convenience.
Description
Technical field
The present embodiments relate to the technical field of information processing of finance device, more particularly to a kind of not plug-in card ATM and not
Plug-in card financial trade method.
Background technology
It is representative with ATM (Automatic Teller Machine, ATM) with the continuous progress of society
The application of financial self-service equipment is more and more extensive.At the same time, people to the intelligent requirements of financial self-service equipment also increasingly
It is high.
Due to client's demands of individuals, most of clients have handled multiple bank cards in more banks, so not only
Problem of resource waste can be caused, these bank cards of customer account management can also have inconvenience.For most clients, on ATM
During self-service transacting business, transfer operation is a very cumbersome thing, not only needs to carry transfer account and is transferred account
The bank card (or record have be transferred note of bank's card number of account etc.) at family, it is also necessary to which client is against being transferred account
Bank's card number conscientiously input and carefully check, the contingency question that the transfer operation to prevent occurring by account erroneous input triggers,
Unnecessary trouble is brought to client oneself.
The content of the invention
The embodiments of the invention provide a kind of not plug-in card ATM and not plug-in card financial trade method, to provide one kind for client
The operating method of simple and convenient ATM transferred account services.
In a first aspect, the embodiments of the invention provide a kind of not plug-in card ATM, including：The authentication information record being connected
Enter module and processor, wherein：
The authentication information recording module, the authentication information for gathering trade user offer are sent to described
Processor, the authentication information include：ID card information, and/or biological information；
The processor, for obtaining the Bank One Corp. account matched with the authentication information of trade user input
Information is supplied to the trade user；
, will if receiving the side's of transferring accounts account of selection of the trade user in the Bank One Corp. accounts information
At least one alternative purpose transfer account is supplied to the trade user；
Wherein, the alternative purpose transfer account includes：In Bank One Corp. accounts information remove described in the side's of transferring accounts account it
Account in other outer accounts, and/or the secondary bank accounts information for the association user bound with the trade user.
Second aspect, the embodiment of the present invention additionally provide a kind of not plug-in card financial trade method, including：
Obtain the Bank One Corp. accounts information matched with the authentication information of trade user input and be supplied to the transaction
User, the authentication information include：ID card information and/or biological information；
, will if receiving the side's of transferring accounts account of selection of the trade user in the Bank One Corp. accounts information
At least one alternative purpose transfer account is supplied to the trade user；
Wherein, the alternative purpose transfer account includes：In Bank One Corp. accounts information remove described in the side's of transferring accounts account it
Account in other outer accounts, and/or the secondary bank accounts information for the association user bound with the trade user.
A kind of not plug-in card ATM provided in an embodiment of the present invention and not plug-in card financial trade method, the not plug-in card ATM bags
Include：The authentication information recording module and processor being connected, wherein, the authentication information recording module, it is used for
The authentication information that collection trade user provides is sent to the processor；The processor, for obtaining and the transaction
The Bank One Corp. accounts information of the authentication information matching of user's input is supplied to the trade user；If receive described
The side's of transferring accounts account of selection of the trade user in the Bank One Corp. accounts information, then at least one alternative purpose is transferred accounts account
Family is supplied to the trade user.By above-mentioned not plug-in card ATM, client need to only transfer accounts when handling transferred account service in alternative purpose
Select to be transferred account needed for it in account, it is not necessary to which transfer operation can be completed by be manually entered, and to transfer accounts, user carries
Great convenience has been supplied, has avoided the contingency question for occurring being triggered by the transfer operation of account erroneous input.
Brief description of the drawings
Fig. 1 is the structural representation of not plug-in card ATM in the embodiment of the present invention one a kind of；
Fig. 2 is the structural representation of not plug-in card ATM in the embodiment of the present invention two a kind of；
Fig. 3 is a kind of flow chart of not plug-in card financial trade method in the embodiment of the present invention three；
Fig. 4 is a kind of flow chart of not plug-in card financial trade method in the embodiment of the present invention four.
Embodiment
The present invention is described in further detail with reference to the accompanying drawings and examples.It is understood that this place is retouched
The specific embodiment stated is used only for explaining the present invention, rather than limitation of the invention.It also should be noted that in order to just
Part related to the present invention rather than entire infrastructure are illustrate only in description, accompanying drawing.
Embodiment one
A kind of not plug-in card ATM is present embodiments provided, being applicable to client can be in financial self-service equipment without bank card
The situation of transacting business in terminal, as shown in figure 1, a kind of not plug-in card ATM that the present embodiment provides, is specifically included：It is connected
Authentication information recording module 110 and processor 120.
In a kind of optional embodiment of the present embodiment, the not plug-in card ATM does not include bank card information recording module,
It can not realize that conventional utilization bank card handles related service on ATM.
Wherein, the authentication information recording module 110, for gathering the authentication information hair of trade user offer
The processor is delivered to, the authentication information includes：ID card information, and/or biological information.
In the case where no bank card is as the validated user mark of transacting business on ATM, can be tested using identity
Demonstrate,prove information be used as not on plug-in card ATM transacting business validated user identify.Wherein, the authentication information can be user
ID card information or user biological information, such as can be iris information, voiceprint, finger print information,
Face phase information and DNA information etc., can also be the combination of ID card information and biological information has criterion as user
Know.
For realize it is above-mentioned using authentication information as not on plug-in card ATM transacting business validated user mark, client
The pre- bank's (such as can be People's Bank of China) specified that arrives first is needed to carry out authentication information typing, including its identity card
Information and corresponding biological information (can include iris information, voiceprint, finger print information, face phase information and DNA letters
Breath etc.)., it is necessary to the entity bank card account handled before establishing user in each big bank after the completion of typing authentication information
Associating between family and the authentication information of the user., can be in the silver when user needs to open up New Account in certain bank
Row is handled " virtual bank's card account " under its ID card verification information.
Thus, it is possible to the ID card information of user, and/or the authentication information such as biological information are used as and do not inserted
Block the validated user mark of transacting business on ATM, all silver of user can also be inquired by the authentication information of the user
Capable all accounts informations.
User in not transacting business on plug-in card ATM, in the typing of authentication information recording module, test by its related identity
Information is demonstrate,proved, if being proved to be successful, the business handling needed for it can be carried out.
The processor 120, for obtaining the Bank One Corp. matched with the authentication information of trade user input
Accounts information is supplied to the trade user；
, will if receiving the side's of transferring accounts account of selection of the trade user in the Bank One Corp. accounts information
At least one alternative purpose transfer account is supplied to the trade user；
Wherein, the alternative purpose transfer account includes：In Bank One Corp. accounts information remove described in the side's of transferring accounts account it
Account in other outer accounts, and/or the secondary bank accounts information for the association user bound with the trade user.
After processor receives the authentication information of trade user, verification operation is carried out to the authentication information.
If being proved to be successful, the Bank One Corp. accounts information to match with the authentication information is provided and is supplied to the trade user, its
In, the Bank One Corp. accounts information includes all accounts informations of all banks associated with the authentication information.
In the case where this does not carry out the scene of the transfer operation between oneself account on plug-in card ATM, trade user is described first
After the side's of transferring accounts account needed for it is selected in bank account information, the side's of transferring accounts account described in removing in Bank One Corp. accounts information
Outside other accounts be alternative purpose transfer account, trade user is selected needed for oneself in the alternative purpose transfer account
Purpose transfer account carry out transfer operation.
Under this does not carry out to the transfer operation of other people accounts scene on plug-in card ATM, trade user is in first silver medal
After the side's of transferring accounts account needed for it is selected in row accounts information, trade user input associates use with what the trade user was bound
The account in secondary bank accounts information corresponding to the ID card information at family alternately purpose transfer account, either, silver
Account in the secondary bank accounts information with the association user of trade user binding to be prestored in row server is as standby
Purpose transfer account is selected, trade user selects the purpose transfer account needed for oneself to be turned in the alternative purpose transfer account
Account operates.Wherein, with the trade user binding association user, refer in advance setting bank (such as can be China
The People's Bank) it is associated the other users that binding sets with the authentication information of trade user and (is, for example, man and wife, or turns
Account transaction frequently user etc.).All accounts letter of all banks of association user can be included in secondary bank accounts information
Breath, can also only include the part accounts information that association user does not carry out security configuration.
A kind of not plug-in card ATM that the present embodiment provides, including：The authentication information recording module being connected and processing
Device, the authentication information recording module, the authentication information for gathering trade user offer are sent to the processing
Device；The processor, for obtaining the Bank One Corp. accounts information matched with the authentication information of trade user input
It is supplied to the trade user；If receive transferring accounts for selection of the trade user in the Bank One Corp. accounts information
Square account, then at least one alternative purpose transfer account is supplied to the trade user.Pass through above-mentioned not plug-in card ATM, client
It need to only select to be transferred account needed for it in alternative purpose transfer account when handling transferred account service, it is not necessary to carry out manual
Input can complete transfer operation, and to transfer accounts, user provides a great convenience, and avoid and transferring accounts by account erroneous input occur
Operate the contingency question triggered.
Embodiment two
On the basis of the various embodiments described above, the not plug-in card ATM also includes：Local master server 230；
The local master server 230 is connected with the processor 220 and at least one bank server 240 respectively,
For establishing the communication connection between the processor 220 and at least one bank server 240.
Wherein, local master server 230 establishes communication link with least one bank server 240 by dedicated communication line
Connect.Generally, it is that the Intranet special line provided by common carrier establishes communication connection.
The processor 220 is additionally operable to：By at least one alternative purpose transfer account be supplied to the trade user it
Afterwards, the side's of being transferred account that the trade user selects in the alternative purpose transfer account is received；The transaction is responded to use
Family is directed to the transfer operation that the side's of transferring accounts account and the side's of being transferred account are completed；The result that will transfer accounts passes through described
Local master server synchronized update is into the bank server associated.
Specifically, the authentication information recording module 210 includes：ID card information typing unit 211, and at least
One biological information typing unit 212；
The ID card information typing unit 211, is connected with the processor, for obtaining the identity of trade user input
Card information is sent to the processor；
The biological information typing unit 212, is connected with the processor, for obtaining the life of trade user input
Thing characteristic information is sent to the processor.
The processor 220 is additionally operable to：Receive the first ID card information that the trade user provides；It is if it is determined that described
First ID card information matches with the registered ID card information of target, then activates at least one biological information typing unit, obtain
Take the first biological information of the trade user；If it is determined that first biological information and the target are registered
The registered biological information of identity card gateway connection matches, then obtains what is matched with the registered ID card information of the target
Bank One Corp. accounts information is supplied to the trade user.
Wherein, the biological information typing unit 212 includes at least one of following：
Iris information typing unit, voiceprint typing unit, finger print information typing unit, face phase information typing unit with
And DNA information typing unit.
So that party A-subscriber handles transferred account service on above-mentioned not plug-in card ATM as an example, wherein, the side's of transferring accounts account is the first of party A-subscriber
Agricultural bank's account, purpose transfer account are first Construction Bank's account of party A-subscriber.Party A-subscriber inputs in ID card information typing unit 211
Its identity card, ID card information typing unit 211 obtain the ID card information of party A-subscriber's input and sent to processor 220, processing
Device 220 receives the ID card information of party A-subscriber, if it is determined that and the ID card information matches with the registered ID card information of target,
Then activate at least one biological information typing unit 212 (includes finger print information typing list with biological information typing unit 212
Exemplified by member and face phase information typing unit).Its finger print information of party A-subscriber's finger print information typing unit typing, in face phase information typing
Its face information of unit typing (typing order is not construed as limiting), processor 220 if it is determined that the finger print information of party A-subscriber's typing and
Face information matches with the registered biological informations of user A, then obtains the Bank One Corp. matched with party A-subscriber's ID card information
Accounts information is supplied to party A-subscriber.
Party A-subscriber selects first agricultural bank's account to be used as the side's of transferring accounts account in Bank One Corp. accounts information, and processor 220 receives
To the side's of transferring accounts account of selection of the party A-subscriber in the Bank One Corp. accounts information, then will be removed in Bank One Corp. accounts information
Other accounts outside first agricultural bank's account are supplied to party A-subscriber, and party A-subscriber selects first Construction Bank's account to be transferred accounts as purpose wherein
Account, processor 220 receive the side's of being transferred account of party A-subscriber's selection, and party A-subscriber confirms transfer operation after inputting transfer amounts.Place
Manage device 220 and respond the transfer operation that party A-subscriber completes for first agricultural bank's account and first Construction Bank's account, by result of transferring accounts
By in the local synchronized update of master server 230 to agricultural bank's server and Construction Bank's server.
On the basis of the various embodiments described above, the not plug-in card ATM also includes：Screen is touched, is connected with the processor,
For showing the prompt message of input authentication information to the trade user, displaying Bank One Corp. account information, displaying are extremely
A few alternative purpose transfer account, and receive the side's of transferring accounts account that user inputs and be supplied to the processor.
Specifically, the ID card information typing unit includes：Numeric keypad, or camera.
In a kind of optional embodiment of this implementation, ID card information can be by numeric keypad typing, or passes through
Camera shoots typing.
On the basis of the various embodiments described above, the not plug-in card ATM also includes：
First information memory cell, it is connected with the processor, for storing registered ID card information and registered life
Corresponding relation between thing characteristic information；
Second information memory cell, it is connected with the processor, for storing authentication information and bank account information
Between corresponding relation；
3rd information memory cell, it is connected with the processor, for storing the binding relationship between different user.
In a kind of optional embodiment of the present embodiment, registered identity is stored with the information-storing device of each bank
It is corresponding between corresponding relation, authentication information and bank account information between card information and registered biological information
Relation；Binding relationship between different user, the communication link between each bank server and local master server can be passed through
Connect, by the real time data synchronization of renewal to above-mentioned not plug-in card ATM first information memory cell, the second information memory cell and
In 3rd information memory cell.
In the above-mentioned technical solutions, user is not handling the transferred account service between oneself account on plug-in card ATM, and to other
During the transferred account service of user, corresponding operating can be completed by being not required to input purpose transfer account card number, and to transfer accounts, user provides pole
Big facility, avoid the contingency question for occurring being triggered by the transfer operation of account erroneous input.Wherein, it is given using the above method
The transferred account service of his user is built upon the side of transferring accounts user and the purpose side of transferring accounts user are bound in advance on the premise of, can have
The bank account information privacy of the effect protection purpose side of transferring accounts.
Embodiment three
A kind of not plug-in card financial trade method is present embodiments provided, being applicable to client can be self-service without bank card
The situation of transacting business in finance device terminal, can such as it be schemed by not plug-in card ATM provided in an embodiment of the present invention computing device
Shown in 3, the not plug-in card financial trade method specifically includes：
The Bank One Corp. accounts information that the authentication information that S310, acquisition input with trade user matches is supplied to described
Trade user.
Wherein, the authentication information includes：ID card information and/or biological information.Specifically, the biology
Characteristic information includes at least one of following：
Iris information, voiceprint, finger print information, face phase information and DNA information.
After processor receives the authentication information of trade user, verification operation is carried out to the authentication information.
If being proved to be successful, the Bank One Corp. accounts information to match with the authentication information is provided and is supplied to the trade user, its
In, the Bank One Corp. accounts information includes all accounts informations of all banks associated with the authentication information.
In order to prevent over time, because there is change (being, for example, aging, wrinkle etc.) in the face phase information of user
And can not normally identify, user can timing go to the bank to re-type face phase information.
If S320, the side's of the transferring accounts account for receiving selection of the trade user in the Bank One Corp. accounts information
Family, then at least one alternative purpose transfer account is supplied to the trade user.
Wherein, the alternative purpose transfer account includes：In Bank One Corp. accounts information remove described in the side's of transferring accounts account it
Account in other outer accounts, and/or the secondary bank accounts information for the association user bound with the trade user.
A kind of not plug-in card financial trade method that the present embodiment provides, by obtaining the authentication inputted with trade user
The Bank One Corp. accounts information of information matches is supplied to the trade user；If the trade user is received described first
The side's of transferring accounts account of selection in bank account information, then it is supplied to the transaction to use at least one alternative purpose transfer account
The technical scheme at family, client need to only select to be transferred account needed for it when handling transferred account service in alternative purpose transfer account
Family, it is not necessary to transfer operation can be completed by be manually entered, and to transfer accounts, user provides a great convenience, avoid appearance by
The contingency question that the transfer operation of account erroneous input triggers.
Example IV
On the basis of the various embodiments described above, at least one alternative purpose transfer account is being supplied to the trade user
Afterwards, in addition to：Receive the side's of being transferred account that the trade user selects in the alternative purpose transfer account；Response institute
State trade user and be directed to the transfer operation that the side's of transferring accounts account and the side's of being transferred account are completed；To be transferred accounts result
By local master server synchronized update into the bank server associated.
Acquisition is supplied to the friendship with the Bank One Corp. accounts information that the authentication information of trade user input matches
Easy user, it is specially：
Receive the first ID card information that the trade user provides；If it is determined that first ID card information and target
Registered ID card information matches, then activates at least one biological information typing unit, obtain the first of the trade user
Biological information；If it is determined that first biological information identity card gateway connection registered with the target is registered
Biological information matches, then obtains the Bank One Corp. accounts information matched with the registered ID card information of the target and provide
To the trade user.
As shown in figure 4, a kind of not plug-in card financial trade method that the present embodiment provides, is specifically included：
S410, receive the first ID card information that the trade user provides.
Wherein, the first ID card information refers to ID card information corresponding to the side's of transferring accounts account.
S420, judge whether first ID card information and the registered ID card information of target match, if so, then holding
Row S430, if it is not, then performing S4140.
Wherein, the registered ID card information of target is that user is using without plug-in card ATM transacting business, is setting bank in advance
The ID card information of (being, for example, People's Bank of China) typing.
S430, at least one biological information typing unit of activation.
Wherein, the biological information typing unit includes at least one of following：
Iris information typing unit, voiceprint typing unit, finger print information typing unit, face phase information typing unit with
And DNA information typing unit.
S440, the first biological information for obtaining the trade user.
Accordingly, first biological information includes at least one of following：
Iris information, voiceprint, finger print information, face phase information and DNA information etc..
S450, judge the registered life that first biological information associates with the registered ID card information of the target
Whether thing characteristic information matches, if so, S460 is then pointed out, if it is not, then performing S4140.
Wherein, the registered biological information associated with the registered ID card information of the target refers to that user is pre-
First when setting the ID card information of bank (being, for example, People's Bank of China) typing, the biological characteristic letter of the user of typing
Breath, such as can be iris information, voiceprint, finger print information, face phase information and DNA information etc., the biological characteristic of user
Information is associated with its ID card information.
After all the match is successful for the first ID card information and corresponding first biological information of trade user, transaction
User can then carry out corresponding ATM business operations.
The Bank One Corp. accounts information that S460, acquisition match with the registered ID card information of the target is supplied to the friendship
Easy user.
If S470, the side's of the transferring accounts account for receiving selection of the trade user in the Bank One Corp. accounts information
Family, then other accounts outside the side's of transferring accounts account described in being removed in the Bank One Corp. accounts information are obtained as the first alternative mesh
Transfer account.
S480, the authentication information according to the trade user, obtain has binding relationship with the trade user
The secondary bank accounts information of at least one association user.
Can be by local master server, by the trade user in a kind of optional embodiment of the present embodiment
Authentication information send to the bank server of association, and receive the association bank server return with the friendship
Easy user has the secondary bank accounts information of at least one association user of binding relationship.
Can be the second identity for receiving the trade user input in another optional embodiment of the present embodiment
Demonstrate,prove information；If it is determined that there is binding relationship in the authentication information of second ID card information and the trade user, then
Obtain the secondary bank accounts information of association user corresponding with second ID card information.
Wherein, the second ID card information refers to transferring accounts ID card information corresponding to recipient.Tied up with the trade user
Fixed association user, refer in advance in setting bank (such as can be People's Bank of China) and the authentication of trade user
Information is associated other users that binding sets (be, for example, man and wife, or money transfer transactions frequently user etc.).Secondary bank
All accounts informations of all banks of association user can be included in accounts information, association user can also be only included and do not carried out
The part accounts information of security configuration.
S490, using the account in the secondary bank accounts information as the second alternative purpose transfer account.
S4100, the described first alternative purpose transfer account, and the second alternative purpose transfer account be supplied to institute
State trade user.
S4110, receive the side's of being transferred account that the trade user selects in the alternative purpose transfer account.
S4120, the response trade user are directed to turn that the side's of transferring accounts account and the side's of being transferred account are completed
Account operates.
S4130, the result that will transfer accounts are by local master server synchronized update into the bank server associated.
S4140, exit to standby interface.
In the above-mentioned technical solutions, user is not handling the transferred account service between oneself account on plug-in card ATM, and to other
During the transferred account service of user, corresponding operating can be completed by being not required to input purpose transfer account card number, and to transfer accounts, user provides pole
Big facility, avoid the contingency question for occurring being triggered by the transfer operation of account erroneous input.Wherein, it is given using the above method
The transferred account service of his user is built upon the side of transferring accounts user and the purpose side of transferring accounts user are bound in advance on the premise of, can have
The bank account information privacy of the effect protection purpose side of transferring accounts.
Pay attention to, above are only presently preferred embodiments of the present invention and institute's application technology principle.It will be appreciated by those skilled in the art that
The invention is not restricted to specific embodiment described here, can carry out for a person skilled in the art various obvious changes,
Readjust and substitute without departing from protection scope of the present invention.Therefore, although being carried out by above example to the present invention
It is described in further detail, but the present invention is not limited only to above example, without departing from the inventive concept, also
Other more equivalent embodiments can be included, and the scope of the present invention is determined by scope of the appended claims.
Claims (10)
- A kind of 1. not plug-in card ATM, it is characterised in that including：The authentication information recording module and processor being connected, its In：The authentication information recording module, the authentication information for gathering trade user offer are sent to the processing Device, the authentication information include：ID card information, and/or biological information；The processor, for obtaining the Bank One Corp. accounts information matched with the authentication information of trade user input It is supplied to the trade user；, will at least if receiving the side's of transferring accounts account of selection of the trade user in the Bank One Corp. accounts information One alternative purpose transfer account is supplied to the trade user；Wherein, the alternative purpose transfer account includes：Outside the side's of transferring accounts account described in being removed in Bank One Corp. accounts information Account in other accounts, and/or the secondary bank accounts information for the association user bound with the trade user.
- 2. ATM according to claim 1, it is characterised in that also include：Local master server；The local master server is connected with the processor and at least one bank server respectively, for establishing the place Manage the communication connection between device and at least one bank server；The processor is additionally operable to：After at least one alternative purpose transfer account is supplied into the trade user, receive The side's of being transferred account that the trade user selects in the alternative purpose transfer account；Respond the trade user and be directed to the transfer operation that the side's of transferring accounts account and the side's of being transferred account are completed；The result that will transfer accounts is by the local master server synchronized update into the bank server associated.
- 3. ATM according to claim 1 or 2, it is characterised in that the authentication information recording module specifically includes： ID card information typing unit, and at least one biological information typing unit；The ID card information typing unit, is connected with the processor, for obtaining the ID card information of trade user input Send to the processor；The biological information typing unit, is connected with the processor, for obtaining the biological characteristic of trade user input Information is sent to the processor；The processor is additionally operable to：Receive the first ID card information that the trade user provides；If it is determined that first ID card information matches with the registered ID card information of target, then at least one biology is activated Data Enter unit, obtain the first biological information of the trade user；If it is determined that the registered biological characteristic of first biological information identity card gateway connection registered with the target Information match, then obtain the Bank One Corp. accounts information matched with the registered ID card information of the target and be supplied to the friendship Easy user.
- 4. ATM according to claim 3, it is characterised in that the biological information typing unit include it is following at least One：Iris information typing unit, voiceprint typing unit, finger print information typing unit, face phase information typing unit and DNA information typing unit.
- A kind of 5. not plug-in card financial trade method, it is characterised in that including：Obtain the Bank One Corp. accounts information matched with the authentication information of trade user input and be supplied to the trade user, The authentication information includes：ID card information and/or biological information；, will at least if receiving the side's of transferring accounts account of selection of the trade user in the Bank One Corp. accounts information One alternative purpose transfer account is supplied to the trade user；Wherein, the alternative purpose transfer account includes：Outside the side's of transferring accounts account described in being removed in Bank One Corp. accounts information Account in other accounts, and/or the secondary bank accounts information for the association user bound with the trade user.
- 6. according to the method for claim 5, it is characterised in that at least one alternative purpose transfer account is being supplied to institute After stating trade user, in addition to：Receive the side's of being transferred account that the trade user selects in the alternative purpose transfer account；Respond the trade user and be directed to the transfer operation that the side's of transferring accounts account and the side's of being transferred account are completed；The result that will transfer accounts is by local master server synchronized update into the bank server associated.
- 7. the method according to claim 5 or 6, it is characterised in that obtain the authentication information with trade user input The Bank One Corp. accounts information of matching is supplied to the trade user, including：Receive the first ID card information that the trade user provides；If it is determined that first ID card information matches with the registered ID card information of target, then at least one biology is activated Data Enter unit, obtain the first biological information of the trade user；If it is determined that the registered biology that first biological information associates with the registered ID card information of the target is special Information match is levied, then the Bank One Corp. accounts information that acquisition matches with the registered ID card information of the target is supplied to described Trade user.
- 8. according to the method for claim 7, it is characterised in that the first biological information includes at least one of following：Iris information, voiceprint, finger print information, face phase information and DNA information.
- 9. according to the method for claim 5, it is characterised in that if receiving the trade user in the Bank One Corp. The side's of transferring accounts account of selection in accounts information, then at least one alternative purpose transfer account is supplied to the trade user, Including：If receiving the side's of transferring accounts account of selection of the trade user in the Bank One Corp. accounts information, institute is obtained Other accounts outside the side's of transferring accounts account described in being removed in Bank One Corp. accounts information are stated as the first alternative purpose transfer account；According to the authentication information of the trade user, at least one pass that there is binding relationship with the trade user is obtained It is combined the secondary bank accounts information at family；Using the account in the secondary bank accounts information as the second alternative purpose transfer account；It is supplied to the transaction to use the described first alternative purpose transfer account, and the second alternative purpose transfer account Family.
- 10. according to the method for claim 9, it is characterised in that according to the authentication information of the trade user, obtain There is the secondary bank accounts information of at least one association user of binding relationship with the trade user, including：By local master server, the authentication information of the trade user is sent to the bank server of association, and is connect Receive the of at least one association user with the trade user with binding relationship that the bank server of the association returns Two bank account informations；OrReceive the second ID card information of the trade user input；If it is determined that the authentication information of second ID card information and the trade user has binding relationship, then obtain The secondary bank accounts information of association user corresponding with second ID card information.
Priority Applications (1)
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