CN107633627A - One kind is without card withdrawal method, apparatus, equipment and storage medium - Google Patents
One kind is without card withdrawal method, apparatus, equipment and storage medium Download PDFInfo
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- CN107633627A CN107633627A CN201710866528.0A CN201710866528A CN107633627A CN 107633627 A CN107633627 A CN 107633627A CN 201710866528 A CN201710866528 A CN 201710866528A CN 107633627 A CN107633627 A CN 107633627A
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Abstract
It is applied to financial self-service equipment without card withdrawal method, apparatus, equipment and storage medium, this method the embodiment of the invention discloses one kind, including：Receive without card withdrawal request；According to default collection rule, the biological information of remittee is gathered, and the identity information of remittee is determined from default property data base；The bank account for being used to withdraw the money without card for determining to bind with identity information according to identity information；Withdraw funds are inputted at the withdrawal interface of bank account, complete to withdraw the money without card.In the technical scheme of the embodiment of the present invention, by using the uniqueness and stability feature of biological information, it can effectively prevent to sweep away the phenomenon of wealth after offender steals bank card information, relative to traditional withdrawal mode, can be in the case of no carrying bank card, bankbook, password and mobile phone, realization is withdrawn the money anywhere or anytime, not only increases the convenience and security of withdrawal, the link of fabrication is also reduced, has saved cost and time.
Description
Technical field
The present embodiments relate to technical field of data processing, more particularly to it is a kind of without card withdrawal method, apparatus, equipment and
Storage medium.
Background technology
At present, the ATM cash dispensers in all society are all to realize to withdraw the money by using bank card, specifically, ATM cash dispensers
Need first to carry out the reading to the bank card information of remittee, then prompt remittee to need to input password, it is close in checking input
After code is correct, the operation such as transfer accounts between inquiry into balance, cash withdrawal and bank account can be just performed.
But this traditional mode of operation brings numerous not convenient or unsafe place, for example remittee will remove silver
When row or ATM cash dispenser enchashment gold, cash, and bank card is not taken to be damaged and do not taken now with bank card
Gold, it is necessary to make up again.In addition, once the bank card of remittee is stolen or forgets, its identity is easy for being emitted by offender
Fill or substitute, particularly in current information-intensive society, the technology that offender grasps is increasingly advanced, steals the means of bank card
More and more brilliant, the frequency of high-tech crime and harm present the zooming impetus.Especially if the silver of remittee
Row card is old-fashioned magnetic stripe card, then as long as offender in ATM cash dispensers by installing side recording apparatus additional with regard to that can steal bank card
Magnetic strip information, or by Encryption Keyboard (EPP) pretend holder's password special module with regard to bank can be stolen
The encrypted message of card.Offender is easily opened and withdrawn the money with regard to reproducible one by the magnetic strip information and encrypted message stolen
The same magnetic stripe card of people's bank card, then take whole wealth of remittee away using the magnetic stripe card of duplication.
The content of the invention
The present invention provides a kind of without card withdrawal method, apparatus, equipment and storage medium, the convenience withdrawn the money with enhancing and peace
Quan Xing.
To reach this purpose, the present invention uses following technical scheme：
In a first aspect, the embodiments of the invention provide one kind without card withdrawal method, applied to financial self-service equipment, the side
Method includes：Receive without card withdrawal request；According to default collection rule, the biological information of remittee is gathered, and from default spy
Levy in database, it is determined that the identity information of the remittee related to the biological information；According to the identity information, it is determined that
With the bank account for being used to withdraw the money without card of identity information binding；At the withdrawal interface of the bank account, input is withdrawn the money golden
Volume, complete to withdraw the money without card.
Second aspect, include the embodiments of the invention provide one kind without card withdraw device, described device：Request receives mould
Block, for receiving without card withdrawal request；Identity determining module, for according to default collection rule, the biology for gathering remittee to be special
Reference ceases, and from default property data base, it is determined that the identity information of the remittee related to the biological information；Account
Determining module, for according to the identity information, it is determined that being used for the bank account without card withdrawal with identity information binding；
Withdrawal transaction modules, for inputting withdraw funds at the withdrawal interface of the bank account, complete to withdraw the money without card.
The third aspect, the embodiments of the invention provide a kind of computer equipment, the equipment includes：One or more control
Device；Memory, for storing one or more programs；One or more of programs are held by one or more of controllers
OK so that one or more of controllers realize as described in any in the embodiment of the present invention without card withdrawal method.
Fourth aspect, the embodiments of the invention provide a kind of computer-readable recording medium, is stored thereon with computer journey
Sequence, when the program is executed by processor realize as described in any in the embodiment of the present invention without card withdrawal method.
The technical scheme that the embodiment of the present invention is provided, it is special by using the uniqueness and stability of biological information
Point, it can effectively prevent to sweep away the phenomenon of wealth after offender steals bank card information, relative to traditional withdrawal
Mode, can be in the case of no carrying bank card, bankbook, password and mobile phone, and realization is withdrawn the money anywhere or anytime, is not only strengthened
The convenience and security withdrawn the money, also reduce the link and cost of fabrication, have saved cost and time.
Brief description of the drawings
In order to illustrate more clearly about the embodiment of the present invention or technical scheme of the prior art, below will be to embodiment or existing
There is the required accompanying drawing used in technology description to be briefly described, it should be apparent that, drawings in the following description are only this
The embodiment of invention, for those of ordinary skill in the art, on the premise of not paying creative work, can also basis
The accompanying drawing of offer obtains other accompanying drawings.
Fig. 1 is a kind of schematic flow sheet for no card withdrawal method that the embodiment of the present invention one provides；
Fig. 2 is a kind of schematic flow sheet for no card withdrawal method that the embodiment of the present invention two provides；
Fig. 3 is a kind of schematic flow sheet for no card withdrawal method that the embodiment of the present invention three provides；
Fig. 4 is a kind of schematic flow sheet for no card withdrawal method that the embodiment of the present invention four provides；
Fig. 5 is a kind of schematic flow sheet for no card withdrawal method that the embodiment of the present invention five provides；
Fig. 6 is a kind of structural representation for no card withdraw device that the embodiment of the present invention six provides；
Fig. 7 is a kind of structural representation for computer equipment that the embodiment of the present invention seven provides.
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
Accompanying drawing 1 is referred to, a kind of schematic flow sheet of the no card withdrawal method provided for the embodiment of the present invention one, this method
The scene withdrawn the money suitable for user by the financial self-service equipment of bank or financial institution, this method is by without card withdraw device
To perform, the device can be realized by software and/or hardware, be integrated in the inside of financial self-service equipment.This method specifically includes
Following steps：
S101, receive without card withdrawal request.
It should be noted that it is ATM to receive the equipment without card withdrawal request, and ATM is included commonly
Type ATM and without card tailored version ATM.
In one embodiment, it is preferred that plain edition ATM is provided with card and without two kinds of withdrawal mode of card, when
When remittee wants by plain edition ATM withdraw the money without card, then only need to press without entity corresponding to card withdrawal by
Key, or point are touched without lcd touch region corresponding to card withdrawal, no card withdrawal request can be sent, into without card withdrawal operation stream
Journey.And only provided without a kind of this withdrawal mode of card withdrawal without card tailored version ATM, no card tailored version ATM
Safety door position is provided with infrared inductor, and when someone enters induction range, infrared inductor detects human body infrared
The change of spectrum, turn on automatically load, people will be continuously turned on without departing from induction range, and after people leaves, automatic delay function is born
Carry, i.e., infrared inductor has once sensed that remittee enters and taken without card tailored version ATM, then automatic transmission without card
Money is asked, into without card withdrawal operating process.It is additionally provided with without card tailored version ATM and is taken the photograph for the special of recognition of face
As head and for gathering the collecting device of acoustic information, such as microphone, and in the region without card tailored version ATM
Outside, LED display is provided with, when someone inside operates withdrawal, corresponding word is shown on the LED display, with
This is used without card tailored version ATM in prompting someone, please waits in line to withdraw the money in defined waiting area.
The default collection rule of S102, basis, the biological information of remittee is gathered, and from default property data base,
It is determined that the identity information of the remittee related to the biological information.
It should be noted that in our daily life and work, it is often necessary to others express the identity of oneself with
Obtain certain right or license.For example, when we enter unit gate, the body of oneself is proved to entrance guard by producing one's papers
Part, to obtain the license entered.In log-in computer system, proved certainly to computer system by inputting username and password
Oneself identity, to obtain the right using computer.When being traded by network, demonstrate,proved by digital signature technology to other side
The bright identity of oneself, to obtain the license of transaction, and in banking system, identity information dominates as enforcement bank account is obtained
The voucher of right, it is to need to carry out authentication by various technologies or non-technical means, fully proves oneself to other side
After identity, it can just be determined.
Need further exist for explanation, biological characteristic be human body intrinsic various physiological characteristics or behavioural characteristic it is total
Claim.Physiological characteristic is mostly geneogenous, is not changed with external condition and subjective desire, for example, fingerprint, iris, face picture and
DNA；Behavioural characteristic is then that people live the behavioural habits formed for a long time, it is difficult to change, such as person's handwriting, vocal print, gait and keystroke
Custom.Biological characteristic is due to uniqueness, stability, carrying with, not easy to be lost and falsely use and that anti-counterfeiting performance is good etc. is all
More advantages, become a medium new, with broad prospect of application of authentication.
For different biological informations, the mode of collection be it is different, in general acquisition mode have scanning, typing and
Video is caught, but is required for realizing by corresponding collecting device.
When the biological information of collection is two or more, the mode of collection can be to follow certain rule.One
Aspect, two or more biological informations can simultaneously be carried out in collection, will not typically interfered with or disturb each other from each other.
After the completion of collecting biological feature information, it is necessary to be ability in the case of gathered all biological characteristic information all compares successfully
The identity information of remittee is determined from default property data base.On the other hand, two or more biological informations are gathering
When can also carry out step by step, after a collecting biological feature information is completed and is compared successfully, it is special just to carry out next biology
The collection and comparison of reference breath, are to have clear and definite sequencing during collection and comparison between biological information
, but it should be recognized that the sequencing does not imply that between biological information the difference of priority be present, and refer to by
A kind of logical order artificially arranged, specifically can be depending on actual conditions.
Specifically, remittee takes automatically when the default property data base interaction in banking system carries out authentication
The corresponding collecting device of money machine obtains its biological information and is compared with the feature masterplate in default property data base, with
Determine whether to match, so as to determine to receive or refuse the remittee without card withdrawal request.
S103, according to the identity information, it is determined that with the identity information binding be used for without card withdrawal bank account.
It should be noted that opening for bank account is to need to bind with identity information, when ATM is taken
After the identity information of money people, according to the identity information, all silver with identity information binding can be determined in banking system
Row account, but may be not all and opened without card withdrawal business in these bank accounts, therefore, believe determining with the identity
After the bank account for ceasing binding, it is also necessary to further exclude to be not useable for the bank account withdrawn the money without card.
Specifically, according to the identity information, it is determined that all bank accounts with identity information binding, then according to whether
No card withdrawal business has been opened as basis for estimation, has determined to can be used for the bank account withdrawn the money without card from above-mentioned bank account.
S104, the bank account withdrawal interface input withdraw funds, complete without card withdrawal.
It should be noted that ATM determine the identity information of remittee and with the identity information binding
For that after the bank account withdrawn the money without card, will redirect the withdrawal page into the bank account, now, automatic drawing chance is aobvious
The cash option that several different amounts are provided on display screen picture selects for remittee, and if thought on picture without display remittee
The amount to be taken, then it can be manually entered the amount of money that remittee wants by clicking on " other amount of money " option in picture.Withdraw the money
Period need not input any password.
The technical scheme that the embodiment of the present invention is provided, it is special by using the uniqueness and stability of biological information
Point, it can effectively prevent to sweep away the phenomenon of wealth after offender steals bank card information, relative to traditional withdrawal
Mode, can be in the case of no carrying bank card, bankbook, password and mobile phone, and realization is withdrawn the money anywhere or anytime, is not only strengthened
The convenience and security withdrawn the money, also reduce the link and cost of fabrication, have saved cost and time.
Embodiment two
As shown in Fig. 2 the embodiment of the present invention two provide without card withdrawal method, be the technical scheme provided in embodiment one
On the basis of, " according to default collection rule, the biological information of remittee gathered, and from default characteristic to step S102
According in storehouse, it is determined that the identity information of the remittee related to the biological information " further optimization.Wherein, the life
Thing characteristic information includes face characteristic information and vocal print characteristic information.The explanation of identical with the various embodiments described above or corresponding term
It will not be repeated here.I.e.：
Gather the face characteristic information of the remittee；According to the face characteristic information, default property data base is detected
In, if the masterplate face characteristic information matched with the face characteristic information be present；In the presence of detecting, remittee is gathered
Acoustic information；From the acoustic information, vocal print feature information is extracted；By the vocal print feature information, with the default spy
Levy in database, the masterplate vocal print feature information associated with the masterplate face characteristic information is matched；According to matching
As a result the identity information of the remittee is determined.
Based on above-mentioned optimization, as shown in Fig. 2 one kind that the present embodiment provides can include following step without card withdrawal method
Suddenly：
S201, receive without card withdrawal request.
S202, the face characteristic information of the collection remittee.
It should be noted that the collection of face characteristic information includes face recognition and face authenticating.Wherein, face recognition is more
Using " multiple control recognition of face method ", i.e., face first is found from the portrait photographed, it is most bright that resolution is found out from face
Aobvious eyes, most the field including two identifies and gathered together at last, and face authenticating then uses " perturbation space law ",
Face when being changed using 3-D technology to face side and light carries out Accurate Prediction, and using " adaptation field
Mix counter point " so that the face of part camouflage can be also identified.The face characteristic information collected through the above way
It is accurate in currently available technology.
Exemplary, ATM is when gathering the face characteristic information of remittee, by prompting remittee by its people
Face contains face close to the dedicated video camera or camera for being used for recognition of face, by what the video camera or camera gathered remittee
Image or video flowing, and automatic detect and track face in the picture, so the face to detecting carry out face recognition and
Certification, then data analysis is carried out by the face recognition module inside ATM, face characteristic information can be obtained.Wherein,
The mode of prompting is word or speech form.
S203, according to the face characteristic information, detect in default property data base, if exist and the face characteristic
The masterplate face characteristic information of information matches.
It should be noted that the comparison of face characteristic information is by by the spy of the facial image of the remittee currently extracted
Sign data scan for matching with the feature templates stored in default property data base, then by setting a threshold value, when similar
Degree exceedes this threshold value, then result matching obtained exports.The comparison of face characteristic information is exactly that face to be identified is special
Sign is judged the identity information of face compared with obtained skin detection according to similarity degree.This mistake
Journey is divided into two classes again：One kind is to confirm, is the process of one-to-one progress image comparison, another kind of is identification, is one-to-many progress
The process of images match contrast.
S204, in the presence of detecting, gather the acoustic information of remittee.
It should be noted that acoustic information refers to that one section of remittee carries the voice of text information.Wherein, the word
The sentence usually specified.
Exemplary, ATM is when gathering the face characteristic information of remittee, by prompting remittee in face of using
In the collecting device of collection acoustic information, such as microphone, one section of word of sentence are specified in typing, by the sound inside ATM
Sound identification module carries out data and kept in.
S205, from the acoustic information, extract vocal print feature information.
It should be noted that so-called vocal print, is the sound wave spectrum for carrying verbal information that electricity consumption acoustic instrument is shown.Specifically
, sonagraph can be converted into the change of sound wave intensity, wavelength, frequency, the tempo variation of electric signal, and instrument is again these electricity
The change of signal is depicted as wave spectrum figure, just into vocal print figure, vocal print can be interpreted as the acoustical signal to be converted into electric signal and
Obtained product.
Numerous experiments are it has been proved that no matter talker is deliberately to imitate other people sound and the tone, or whisper in sb.'s ear is softly talked,
Even if imitating remarkably true to life, its vocal print but differs all the time, therefore the vocal print feature information extracted from acoustic information can
Using the reliable authority as authentication.
S206, by the vocal print feature information, with the default property data base, and the masterplate face characteristic information
The masterplate vocal print feature information of association is matched.
It should be noted that it is that the comparison of vocal print feature information is also to pass through with the comparison identical of face characteristic information
The characteristic of the vocal print image of the remittee currently extracted is searched with the feature templates stored in default property data base
Rope matches, then by setting a threshold value, when similarity exceedes this threshold value, then result matching obtained exports.Vocal print is special
The comparison of reference breath is exactly by vocal print feature to be identified compared with obtained vocal print feature template, according to similarity degree
The identity information of vocal print is judged.
Usually, the comparison purposes of vocal print feature information has two classes, i.e. speaker's identification and speaker verification.The former to
It is described in which of some people to judge certain section of voice, is " the problem of multiselect one "；And the latter is to confirm certain section of voice
No is described in the someone specified, is " one-to-one differentiation " problem.But regardless of being identification or confirmation, it is required for first to speaking
The vocal print of people is modeled, and here it is so-called " training " or " study " process, subsequently has corresponding embodiment to remark additionally.
In the bank finance transaction scene of the present embodiment setting, vocal print feature information is used for the identity for confirming speaker (i.e. remittee).
S207, the identity information for determining according to matching result the remittee.
It should be noted that when face characteristic information and vocal print characteristic information compare successfully, the remittee could obtain
Confirm to the identity information associated with the face characteristic information and vocal print characteristic information.
S208, according to the identity information, it is determined that with the identity information binding be used for without card withdrawal bank account.
S209, the bank account withdrawal interface input withdraw funds, complete without card withdrawal.
The technical scheme that the embodiment of the present invention is provided, using the uniqueness and stability feature of biological information, lead to
It is compared after the face characteristic information for first gathering remittee, the vocal print feature information for gathering remittee after success to be compared again is entered
Row is compared, and accurately the identity information of remittee can be confirmed, can effectively be prevented offender and be stolen silver
The phenomenon of wealth is swept away after row card information, can be in no carrying bank card, bankbook, password relative to traditional withdrawal mode
In the case of mobile phone, realization is withdrawn the money anywhere or anytime, is not only increased the convenience and security of withdrawal, is also reduced fabrication
Link and cost, saved cost and time.
Embodiment three
Fig. 3 is a kind of schematic flow sheet for no card withdrawal method that the embodiment of the present invention three provides, and the present embodiment is being implemented
On the basis of example two, before the acoustic information of collection remittee, optimization is made to this method.It is identical with the various embodiments described above or
The explanation of corresponding term will not be repeated here, specifically, refer to Fig. 3, this method includes：
S301, receive without card withdrawal request.
S302, the face characteristic information of the collection remittee.
S303, according to the face characteristic information, detect in default property data base, if exist and the face characteristic
The masterplate face characteristic information of information matches.
S304, in the presence of detecting, on a display screen show one section be used for gather remittee acoustic information setting
Word, and prompt remittee to read aloud.
It should be noted that the collection for acoustic information is divided into two kind unrelated with text for having text related.With text
This relevant acoustic information collection requires that user pronounces according to the content of regulation, and everyone sound-groove model is accurately built one by one
It must also pronounce when standing, and identifying by defined content, therefore preferable recognition effect can be reached, but this needs user to match somebody with somebody
Close, if the pronunciation of user is not met with defined content, can not correctly identify the user.And the voice letter unrelated with text
Breath collection does not provide the pronunciation content of user then, and model establishes relative difficulty, but user is easy to use, can application it is wider.
According to specific task and application, two kinds are to have different applications.Such as the bank for setting of the embodiment of the present invention
Financial transaction scene, preferably using the collection of the related acoustic information of the more preferable text of recognition effect, because user now is
Remittee, remittee oneself are ready to coordinate when being traded.
Preferably, the word that sets is numeral and the random combine of letter.
Add specifically, occurring a numeral after face characteristic information compares successfully, on the display screen picture of ATM
The word of letter mixing random combine, such as the random combine of the digits plus letters of 15 or so.
S305, the acoustic information for gathering remittee.
It should be noted that withdrawal person reads through the random combine word on display screen against collecting device, read correct
Afterwards, automatic drawing chance, which is reresented, reads through.Only when all reading correct twice, the result read twice can be just integrated as final
Acoustic information.
S306, from the acoustic information, extract vocal print feature information.
S307, by the vocal print feature information, with the default property data base, and the masterplate face characteristic information
The masterplate vocal print feature information of association is matched.
S308, the identity information for determining according to matching result the remittee.
S309, according to the identity information, it is determined that with the identity information binding be used for without card withdrawal bank account.
S310, the bank account withdrawal interface input withdraw funds, complete without card withdrawal.
The technical scheme that the embodiment of the present invention is provided, using the uniqueness and stability feature of biological information, lead to
It is compared after the face characteristic information for first gathering remittee, the vocal print feature information for gathering remittee after success to be compared again is entered
Row is compared, and accurately the identity information of remittee can be confirmed, can effectively be prevented offender and be stolen silver
The phenomenon of wealth is swept away after row card information, can be in no carrying bank card, bankbook, password relative to traditional withdrawal mode
In the case of mobile phone, realization is withdrawn the money anywhere or anytime, is not only increased the convenience and security of withdrawal, is also reduced fabrication
Link and cost, saved cost and time.
Example IV
As shown in figure 4, the embodiment of the present invention four provide without card withdrawal method, be the technical scheme provided in embodiment one
On the basis of, if having the situation of two or more bank accounts for being used to withdraw the money without card for identity information binding, to step
Rapid S103 " according to the identity information, it is determined that the bank account for being used to withdraw the money without card with identity information binding " enters one
Step optimization.The explanation of identical with the various embodiments described above or corresponding term will not be repeated here.I.e.：
Obtain and show all bank accounts for being used to withdraw the money without card of the identity information binding；
The operational order of the remittee is received, one is selected from two or more bank accounts for being used to withdraw the money without card
Withdrawn the money without card.
Based on above-mentioned optimization, as shown in figure 4, one kind that the present embodiment provides can include following step without card withdrawal method
Suddenly：
S401, receive without card withdrawal request.
The default collection rule of S402, basis, the biological information of remittee is gathered, and from default property data base,
It is determined that the identity information of the remittee related to the biological information.
S403, acquisition and all bank accounts for being used to withdraw the money without card for showing the identity information binding.
It should be noted that the bank account obtained must is fulfilled for binding with the identity information of remittee, and can be used for
Without the two conditions of card withdrawal.And after obtaining bank account, the bank account draws the display screen for being displayed on ATM
On face, so that remittee selects and confirms.
Specifically, whether the identity information of remittee and bank account are supported to withdraw the money as screening authority without card,
In banking system, with identity information binding, all bank accounts for being used to withdraw the money without card are obtained, and show.
S404, the operational order for receiving the remittee, selected from two or more bank accounts for being used to withdraw the money without card
One is selected withdraw the money without card.
Specifically, ATM receive from remittee, by press physical button or point touch lcd touch region
And the operational order formed, select one withdrawn the money without card from two or more bank accounts for being used to withdraw the money without card.
S405, the bank account withdrawal interface input withdraw funds, complete without card withdrawal.
The technical scheme that the embodiment of the present invention is provided, it is special by using the uniqueness and stability of biological information
Point, it can effectively prevent to sweep away the phenomenon of wealth after offender steals bank card information, relative to traditional withdrawal
Mode, can be in the case of no carrying bank card, bankbook, password and mobile phone, and realization is withdrawn the money anywhere or anytime, is not only strengthened
The convenience and security withdrawn the money, also reduce the link and cost of fabrication, have saved cost and time.
Embodiment five
Fig. 5 is a kind of schematic flow sheet for no card withdrawal method that the embodiment of the present invention five provides, and the present embodiment is being implemented
On the basis of the technical scheme that example one provides, before receiving without card withdrawal request, this method is further optimized.Specifically
, before receiving without card withdrawal request, the method for the present embodiment specifically may include steps of：
S501, after receiving binding registration request, no card withdrawal business is handled to appointed bank's account of remittee, its
In, the bank account binds the identity information of the remittee.
It should be noted that binding registration request is remittee when handling no card withdrawal business to specified bank account
The request instruction sent, banking system or ATM are in the case where confirming that obtaining remittee authorizes, it will response is withdrawn the money
The request instruction of people, no card withdrawal business is handled for the bank account that remittee specifies.
S502, the face characteristic information and vocal print characteristic information for gathering remittee.
It should be noted that the collection of biological information is that the biological characteristic of remittee is sampled, its tool is extracted
There is the feature of uniqueness, and change into digital code, the feature masterplate for further forming these code combinations.
S503, the identity information of the face characteristic information, vocal print feature information and the remittee is associated,
And store and arrive the default property data base.
It should be noted that the face characteristic information and vocal print characteristic information of this phase acquisition will be used as is used for feature in the future
The feature masterplate of comparing, and this feature masterplate associates the identity information of the remittee, these information will be all stored in
In default property data base.In addition, identity information binding has the bank account for being used to withdraw the money without card specified.
The technical scheme that the embodiment of the present invention is provided, it is special by using the uniqueness and stability of biological information
Point, the specific feature masterplate of each user is just set up in early stage, and when subsequently being withdrawn the money without card, compared by characteristic
Mode confirms to the identity information of remittee, can effectively prevent to sweep away after offender steals bank card information
The phenomenon of wealth, relative to traditional withdrawal mode, can in the case of no carrying bank card, bankbook, password and mobile phone,
Realization is withdrawn the money anywhere or anytime, is not only increased the convenience and security of withdrawal, is also reduced the link and cost of fabrication, is saved
About cost and time.
Embodiment six
Accompanying drawing 6 is referred to, a kind of structural representation of the no card withdraw device provided for the embodiment of the present invention six, the device
It is adapted for carrying out no card withdrawal method provided in an embodiment of the present invention.The device specifically includes following module：
Request receiving module 61, for receiving without card withdrawal request；
Identity determining module 62, for according to default collection rule, gathering the biological information of remittee, and from default
In property data base, it is determined that the identity information of the remittee related to the biological information；
Account determining module 63, for according to the identity information, it is determined that being used for identity information binding without card
The bank account of withdrawal；
Withdrawal transaction modules 64, for inputting withdraw funds at the withdrawal interface of the bank account, complete to withdraw the money without card.
Preferably, the biological information includes face characteristic information and vocal print characteristic information.
Preferably, the identity determining module includes：Face collecting unit, for gathering the face characteristic of the remittee
Information；Masterplate detection unit, for according to the face characteristic information, detecting in default property data base, if exist and institute
State the masterplate face characteristic information of face characteristic information matching；Sound collection unit, for being detected when the masterplate detection unit
When going out to have the masterplate face characteristic information matched with the face characteristic information, the acoustic information of remittee is gathered；Vocal print carries
Unit is taken, for from the acoustic information, extracting vocal print feature information；Voice print matching unit, for by the vocal print feature
In information, with the default property data base, the masterplate vocal print feature information that is associated with the masterplate face characteristic information
Matched；Identity determination unit, for determining the identity information of the remittee according to matching result.
Preferably, in said apparatus, the identity determining module also includes：
Text importing unit, for before remittee's acoustic information is gathered, showing that one section is used to gather on a display screen
The setting word of the acoustic information of remittee, and prompt remittee to read aloud.
Preferably, the combination for setting word as numeral and letter.
Preferably, if the identity information, which is bound, two or more bank accounts for being used to withdraw the money without card, account is true
Cover half block includes:Account acquiring unit, for obtaining and showing all silver for being used to withdraw the money without card of the identity information binding
Row account；Account selecting unit, for receiving the operational order of the remittee, from two or more silver for being used to withdraw the money without card
One is selected withdrawn the money without card in row account.
The technical scheme that the embodiment of the present invention is provided, it is special by using the uniqueness and stability of biological information
Point, it can effectively prevent to sweep away the phenomenon of wealth after offender steals bank card information, relative to traditional withdrawal
Mode, can be in the case of no carrying bank card, bankbook, password and mobile phone, and realization is withdrawn the money anywhere or anytime, is not only strengthened
The convenience and security withdrawn the money, also reduce the link and cost of fabrication, have saved cost and time.
Said apparatus can perform the method that any embodiment of the present invention is provided, and possess the corresponding functional module of execution method
And beneficial effect.
Embodiment seven
Fig. 7 is a kind of structural representation for computer equipment that the embodiment of the present invention seven provides.Fig. 7 is shown suitable for being used for
Realize the block diagram of the exemplary computer device 12 of embodiment of the present invention.The computer equipment 12 that Fig. 7 is shown is only one
Example, any restrictions should not be brought to the function and use range of the embodiment of the present invention.
As shown in fig. 7, computer equipment 12 is showed in the form of universal computing device.The component of computer equipment 12 can be with
Including but not limited to：One or more processor or processing unit 16, system storage 28, connect different system component
The bus 18 of (including system storage 28 and processing unit 16).
Bus 18 represents the one or more in a few class bus structures, including memory bus or Memory Controller,
Peripheral bus, graphics acceleration port, processor or the local bus using any bus structures in a variety of bus structures.Lift
For example, these architectures include but is not limited to industry standard architecture (ISA) bus, MCA (MAC)
Bus, enhanced isa bus, VESA's (VESA) local bus and periphery component interconnection (PCI) bus.
Computer equipment 12 typically comprises various computing systems computer-readable recording medium.These media can be it is any can be by
The usable medium that computer equipment 12 accesses, including volatibility and non-volatile media, moveable and immovable medium.
System storage 28 can include the computer system readable media of form of volatile memory, such as arbitrary access
Memory (RAM) 30 and/or cache memory 32.Computer equipment 12 may further include it is other it is removable/can not
Mobile, volatile/non-volatile computer system storage medium.Only as an example, storage system 34 can be used for read-write not
Movably, non-volatile magnetic media (Fig. 7 is not shown, is commonly referred to as " hard disk drive ").Although not shown in Fig. 7, can with
There is provided for the disc driver to may move non-volatile magnetic disk (such as " floppy disk ") read-write, and to removable non-volatile
The CD drive of CD (such as CD-ROM, DVD-ROM or other optical mediums) read-write.In these cases, each driving
Device can be connected by one or more data media interfaces with bus 18.Memory 28 can include at least one program and produce
Product, the program product have one group of (for example, at least one) program module, and these program modules are configured to perform of the invention each
The function of embodiment.
Program/utility 40 with one group of (at least one) program module 42, such as memory 28 can be stored in
In, such program module 42 include but is not limited to operating system, one or more application program, other program modules and
Routine data, the realization of network environment may be included in each or certain combination in these examples.Program module 42 is usual
Perform the function and/or method in embodiment described in the invention.
Computer equipment 12 can also be with one or more external equipments 14 (such as keyboard, sensing equipment, display 24
Deng) communication, the equipment communication interacted with the computer equipment 12 can be also enabled a user to one or more, and/or with making
Obtain any equipment that the computer equipment 12 can be communicated with one or more of the other computing device (such as network interface card, modulatedemodulate
Adjust device etc.) communication.This communication can be carried out by input/output (I/O) interface 22.Also, computer equipment 12 may be used also
To pass through network adapter 20 and one or more network (such as LAN (LAN), wide area network (WAN) and/or public network
Network, such as internet) communication.As illustrated, network adapter 20 is led to by bus 18 and other modules of computer equipment 12
Letter.It should be understood that although not shown in Fig. 7, computer equipment 12 can be combined and use other hardware and/or software module, bag
Include but be not limited to：Microcode, device driver, redundant processing unit, external disk drive array, RAID system, magnetic tape drive
Device and data backup storage system etc..
Processing unit 16 is stored in program in system storage 28 by operation, so as to perform various function application and
Data processing, for example, realize that the embodiment of the present invention provided without card withdrawal method.
That is, the processing unit is realized when performing described program：According to default collection rule, the biology of remittee is gathered
Characteristic information, and from default property data base, it is determined that the identity information of the remittee related to the biological information；Root
According to the identity information, it is determined that the bank account for being used to withdraw the money without card with identity information binding；In the bank account
Withdrawal interface input withdraw funds, complete without card withdrawal.
Embodiment eight
The embodiment of the present invention eight provides a kind of computer-readable recording medium, is stored thereon with computer program, the journey
Realized when sequence is executed by processor if all inventive embodiments offers of the application are without card withdrawal method：
That is, the processing unit is realized when performing described program：According to default collection rule, the biology of remittee is gathered
Characteristic information, and from default property data base, it is determined that the identity information of the remittee related to the biological information；Root
According to the identity information, it is determined that the bank account for being used to withdraw the money without card with identity information binding；In the bank account
Withdrawal interface input withdraw funds, complete without card withdrawal.
Any combination of one or more computer-readable media can be used.Computer-readable medium can be calculated
Machine readable signal medium or computer-readable recording medium.Computer-readable recording medium for example can be --- but it is unlimited
In system, device or the device of --- electricity, magnetic, optical, electromagnetic, infrared ray or semiconductor, or it is any more than combination.Calculate
The more specifically example (non exhaustive list) of machine readable storage medium storing program for executing includes：Electrical connection with one or more wires, just
Take formula computer disk, hard disk, random access memory (RAM), read-only storage (ROM), erasable type and may be programmed read-only storage
Device (EPROM or flash memory), optical fiber, portable compact disc read-only storage (CD-ROM), light storage device, magnetic memory device,
Or above-mentioned any appropriate combination.In this document, computer-readable recording medium can any include or store journey
The tangible medium of sequence, the program can be commanded the either device use or in connection of execution system, device.
Computer-readable signal media can include in a base band or as carrier wave a part propagation data-signal,
Wherein carry computer-readable program code.The data-signal of this propagation can take various forms, including but unlimited
In electromagnetic signal, optical signal or above-mentioned any appropriate combination.Computer-readable signal media can also be that computer can
Any computer-readable medium beyond storage medium is read, the computer-readable medium, which can send, propagates or transmit, to be used for
By instruction execution system, device either device use or program in connection.
The program code included on computer-readable medium can be transmitted with any appropriate medium, including --- but it is unlimited
In wireless, electric wire, optical cable, RF etc., or above-mentioned any appropriate combination.
It can be write with one or more programming languages or its combination for performing the computer that operates of the present invention
Program code, described program design language include object oriented program language-such as Java, Smalltalk, C++,
Also include conventional procedural programming language-such as " C " language or similar programming language.Program code can be with
Fully perform, partly perform on the user computer on the user computer, the software kit independent as one performs, portion
Divide and partly perform or performed completely on remote computer or server on the remote computer on the user computer.
Be related in the situation of remote computer, remote computer can pass through the network of any kind --- including LAN (LAN) or
Wide area network (WAN)-be connected to subscriber computer, or, it may be connected to outer computer (such as carried using Internet service
Pass through Internet connection for business).
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)
1. one kind is without card withdrawal method, applied to financial self-service equipment, it is characterised in that including：
Receive without card withdrawal request；
According to default collection rule, gather the biological information of remittee, and from default property data base, it is determined that with it is described
The identity information of the related remittee of biological information；
According to the identity information, it is determined that the bank account for being used to withdraw the money without card with identity information binding；
Withdraw funds are inputted at the withdrawal interface of the bank account, complete to withdraw the money without card.
2. according to the method for claim 1, it is characterised in that the biological information includes face characteristic information harmony
Line characteristic information.
3. according to the method for claim 2, it is characterised in that according to default collection rule, the biology for gathering remittee is special
Reference ceases, and from default property data base, it is determined that the identity information of the remittee related to the biological information includes：
Gather the face characteristic information of the remittee；
According to the face characteristic information, detect in default property data base, if exist and matched with the face characteristic information
Masterplate face characteristic information；
In the presence of detecting, the acoustic information of remittee is gathered；
From the acoustic information, vocal print feature information is extracted；
The institute that in the vocal print feature information, with the default property data base, will be associated with the masterplate face characteristic information
Masterplate vocal print feature information is stated to be matched；
The identity information of the remittee is determined according to matching result.
4. according to the method for claim 3, it is characterised in that before the acoustic information of collection remittee, in addition to：
One section of setting word for being used to gather the acoustic information of remittee is shown on a display screen, and prompts remittee to read aloud.
5. according to the method for claim 4, it is characterised in that：The combination that word is set as numeral and letter.
6. according to the method for claim 1, it is characterised in that if identity information binding, which has, two or more is used for nothing
Block the bank account withdrawn the money, then according to the identity information, it is determined that the silver for being used to withdraw the money without card with identity information binding
Row account includes:
Obtain and show all bank accounts for being used to withdraw the money without card of the identity information binding；
The operational order of the remittee is received, one progress of selection from two or more bank accounts for being used to withdraw the money without card
Withdrawn the money without card.
7. according to the method for claim 2, it is characterised in that before the reception is without card withdrawal request, in addition to：
After receiving binding registration request, no card withdrawal business is handled to appointed bank's account of remittee, wherein, the bank
Account binds the identity information of the remittee；
Gather the face characteristic information and vocal print characteristic information of remittee；
The identity information of the face characteristic information, vocal print feature information and the remittee is associated, and stores and arrives
The default property data base.
8. one kind is without card withdraw device, it is characterised in that including：
Request receiving module, for receiving without card withdrawal request；
Identity determining module, for according to default collection rule, gathering the biological information of remittee, and from default characteristic
According in storehouse, it is determined that the identity information of the remittee related to the biological information；
Account determining module, for according to the identity information, it is determined that being used for identity information binding without card withdrawal
Bank account；
Withdrawal transaction modules, for inputting withdraw funds at the withdrawal interface of the bank account, complete to withdraw the money without card.
A kind of 9. computer equipment, it is characterised in that including：
One or more controllers；
Memory, for storing one or more programs；
One or more of programs are performed by one or more of controllers so that one or more of controllers are realized
Such as any methods described in claim 1-7.
10. a kind of computer-readable recording medium, is stored thereon with computer program, it is characterised in that the program is by processor
The method as described in any in claim 1-7 is realized during execution.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201710866528.0A CN107633627A (en) | 2017-09-22 | 2017-09-22 | One kind is without card withdrawal method, apparatus, equipment and storage medium |
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201710866528.0A CN107633627A (en) | 2017-09-22 | 2017-09-22 | One kind is without card withdrawal method, apparatus, equipment and storage medium |
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| Publication Number | Publication Date |
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| CN107633627A true CN107633627A (en) | 2018-01-26 |
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| Application Number | Title | Priority Date | Filing Date |
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| CN201710866528.0A Pending CN107633627A (en) | 2017-09-22 | 2017-09-22 | One kind is without card withdrawal method, apparatus, equipment and storage medium |
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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 |
| CN108922074A (en) * | 2018-05-31 | 2018-11-30 | 深圳壹账通智能科技有限公司 | Without card withdrawal method, apparatus, computer equipment and storage medium |
| CN109064685A (en) * | 2018-08-13 | 2018-12-21 | 唐山理化科技有限公司 | Convenient withdrawal system and method |
| CN109145636A (en) * | 2018-07-18 | 2019-01-04 | 阿里巴巴集团控股有限公司 | Method, apparatus, equipment and the readable medium of information are presented on the computing device |
| CN109377680A (en) * | 2018-09-30 | 2019-02-22 | 中国银行股份有限公司 | Withdrawal control method and device |
| CN111048113A (en) * | 2019-12-18 | 2020-04-21 | 腾讯科技（深圳）有限公司 | Sound direction positioning processing method, device and system, computer equipment and storage medium |
| CN113129934A (en) * | 2019-12-30 | 2021-07-16 | 上海译会信息科技有限公司 | Double-recording system with face recognition and identity verification functions |
| CN115598064A (en) * | 2022-10-21 | 2023-01-13 | 圣名科技（广州）有限责任公司（Cn） | Data detection method and device, electronic equipment and storage medium |
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| CN108922074A (en) * | 2018-05-31 | 2018-11-30 | 深圳壹账通智能科技有限公司 | Without card withdrawal method, apparatus, computer equipment and storage medium |
| CN109145636A (en) * | 2018-07-18 | 2019-01-04 | 阿里巴巴集团控股有限公司 | Method, apparatus, equipment and the readable medium of information are presented on the computing device |
| CN109064685A (en) * | 2018-08-13 | 2018-12-21 | 唐山理化科技有限公司 | Convenient withdrawal system and method |
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| CN113129934A (en) * | 2019-12-30 | 2021-07-16 | 上海译会信息科技有限公司 | Double-recording system with face recognition and identity verification functions |
| CN113129934B (en) * | 2019-12-30 | 2022-10-21 | 上海译会信息科技有限公司 | Double-recording system with face recognition and identity verification functions |
| CN115598064A (en) * | 2022-10-21 | 2023-01-13 | 圣名科技（广州）有限责任公司（Cn） | Data detection method and device, electronic equipment and storage medium |
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