CN111554052B - ATM card issuing system and method and ATM - Google Patents
ATM card issuing system and method and ATM Download PDFInfo
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- CN111554052B CN111554052B CN202010342610.5A CN202010342610A CN111554052B CN 111554052 B CN111554052 B CN 111554052B CN 202010342610 A CN202010342610 A CN 202010342610A CN 111554052 B CN111554052 B CN 111554052B
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- G—PHYSICS
- G07—CHECKING-DEVICES
- G07F—COIN-FREED OR LIKE APPARATUS
- G07F19/00—Complete banking systems; Coded card-freed arrangements adapted for dispensing or receiving monies or the like and posting such transactions to existing accounts, e.g. automatic teller machines
- G07F19/20—Automatic teller machines [ATMs]
- G07F19/211—Software architecture within ATMs or in relation to the ATM network
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- G—PHYSICS
- G07—CHECKING-DEVICES
- G07F—COIN-FREED OR LIKE APPARATUS
- G07F19/00—Complete banking systems; Coded card-freed arrangements adapted for dispensing or receiving monies or the like and posting such transactions to existing accounts, e.g. automatic teller machines
- G07F19/20—Automatic teller machines [ATMs]
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- H—ELECTRICITY
- H04—ELECTRIC COMMUNICATION TECHNIQUE
- H04L—TRANSMISSION OF DIGITAL INFORMATION, e.g. TELEGRAPHIC COMMUNICATION
- H04L63/00—Network architectures or network communication protocols for network security
- H04L63/08—Network architectures or network communication protocols for network security for authentication of entities
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- H—ELECTRICITY
- H04—ELECTRIC COMMUNICATION TECHNIQUE
- H04L—TRANSMISSION OF DIGITAL INFORMATION, e.g. TELEGRAPHIC COMMUNICATION
- H04L63/00—Network architectures or network communication protocols for network security
- H04L63/08—Network architectures or network communication protocols for network security for authentication of entities
- H04L63/0861—Network architectures or network communication protocols for network security for authentication of entities using biometrical features, e.g. fingerprint, retina-scan
Abstract
The application provides an ATM card issuing system, a method and an ATM, under the condition that a card issuing request is not quitted from a user interface, if the ATM detects that the card issuing request is a credit payment card corresponding to the user interface, but in order to determine that the card issuing operation is the intention of a user, the identity of the user needs to be confirmed, namely, the biological characteristic information of the user is acquired through a client, and the biological characteristic information which is stored in advance by a second server and corresponds to the target user identity information is compared with the biological characteristic information which is acquired by the second server and indicates the client to instruct the client; and when the comparison result represents that the biological characteristic information prestored by the second server corresponding to the target user identity information is matched with the biological characteristic information acquired by the client, the first server generates a control instruction for indicating the ATM to remove the card, and after the ATM obtains the control instruction, the ATM performs card removal operation. The card issuing operation is guaranteed to be the intention of the user.
Description
Technical Field
The application relates to the technical field of automatic teller machines, in particular to a card issuing system and method of an ATM and the ATM.
Background
An automated teller machine, ATM, refers to a small machine that is set up by a bank at various locations. The user can insert a credit payment card such as a bank card or a credit card into a card inserting port of the ATM, and bank counter services such as money drawing, deposit, transfer and the like are carried out on the ATM.
The ATM may appear to spit the card, i.e., swallow the credit payment card. For example, a user entering a wrong password on the ATM more than a limited number of times, or forgetting to take the card, may cause the ATM to swallow the card.
Disclosure of Invention
In view of the above, the present application provides an ATM card issuing system, an ATM card issuing method, and an ATM.
In order to achieve the above purpose, the present application provides the following technical solutions:
an ATM card-issuing system comprising:
the ATM is used for generating a client authentication request based on the target user identity information corresponding to the user interface and sending the client authentication request to the first server if the card swiping request is detected under the condition that the ATM does not exit the user interface;
the user interface is an interface corresponding to a target credit payment card displayed by the ATM after the target credit payment card corresponding to the target user identity information is inserted into the ATM and the password corresponding to the target credit payment card passes verification;
the first server is used for sending the client authentication request to a second server;
the second server is prestored with biological characteristic information corresponding to a plurality of user identity information respectively, is used for generating a collection request for collecting the biological characteristic information after receiving the client authentication request, and sends the collection request to the client logged in based on the target user identity information;
the client is used for acquiring the biological characteristic information and sending the biological characteristic information to the second server when receiving the acquisition request;
the second server is further configured to compare pre-stored biometric information corresponding to the target user identity information with the biometric information acquired by the client, so as to obtain a comparison result;
the first server is further configured to obtain the comparison result, generate a control instruction instructing the ATM to issue a target credit payment card corresponding to the user interface when the comparison result is that the biometric information pre-stored in the second server corresponding to the target user identity information matches the biometric information acquired by the client, and send the control instruction to the ATM;
and the ATM is also used for outputting the target credit payment card to the outer side of the ATM if the control instruction is received.
In an optional embodiment, further comprising:
the third server is used for receiving the client authentication request sent by the first server; and converting the client authentication request into an authentication message with a preset format, and sending the authentication message to the second server, wherein the authentication message carries the client authentication request.
In an optional embodiment, the third server is further configured to: and receiving a result message which is sent by the second server and carries the comparison result, analyzing the result message to obtain the comparison result, and sending the comparison result to the first server.
An ATM card issuing method is applied to an ATM and comprises the following steps:
under the condition that the user interface is not quitted, if a card swiping request is detected, generating a client authentication request based on the target user identity information corresponding to the user interface;
the user interface is an interface corresponding to a target credit payment card displayed by the ATM after the target credit payment card corresponding to the target user identity information is inserted into the ATM and the password corresponding to the target credit payment card passes verification;
sending the client authentication request to a second server;
the client authentication request is used for instructing the second server to compare the biological characteristic information which is stored in advance by the second server and corresponds to the target user identity information with the biological characteristic information which is acquired by the second server and instructs the client to obtain a comparison result; the client is a client logged in based on the identity information of the target user;
obtaining a control instruction for instructing the ATM to spit out a target credit payment card corresponding to the user interface from a first server; the control instruction is generated when the comparison result represents that the biological characteristic information which is stored in advance by the second server and corresponds to the target user identity information is matched with the biological characteristic information which is acquired by the client;
outputting the target credit payment card to the outside of the ATM based on the control instruction.
In an alternative embodiment, the ATM includes a plurality of storage units, each of the storage units is capable of storing a credit payment card, each of the storage units is provided with a position number, and outputting the target credit payment card to the outside of the ATM based on the control instruction includes:
acquiring a target card number of a target credit payment card corresponding to the user interface;
obtaining a target position number corresponding to the target card number based on the position numbers corresponding to the card numbers respectively;
and outputting the target credit payment card stored in the storage unit corresponding to the target position number to the outer side of the ATM.
In an optional embodiment, the ATM includes a temporary storage unit, and the temporary storage unit is used for storing a target credit payment card corresponding to the user interface under the condition that the user interface is not quitted;
the outputting the target credit payment card to the outside of the ATM machine based on the control instruction comprises:
outputting the target credit payment card stored in the temporary storage unit to an outside of the ATM.
In an alternative embodiment, the ATM includes a plurality of memory cells, each of the memory cells is capable of storing a credit payment card, each of the memory cells is provided with a location number, and further includes:
under the condition that the user interface is not quitted, obtaining a target card number of a target credit payment card corresponding to the user interface;
storing the target credit payment card to a target storage unit, which does not store a credit payment card, among the plurality of storage units, in case of exiting the user interface;
and establishing a corresponding relation between the position number of the target storage unit and the target card number.
An ATM machine comprising:
the generation module is used for generating a client authentication request based on the target user identity information corresponding to the user interface if the card swiping request is detected under the condition that the user interface is not exited;
the user interface is an interface corresponding to a target credit payment card displayed by the ATM after the target credit payment card corresponding to the target user identity information is inserted into the ATM and the password corresponding to the target credit payment card passes verification;
the sending module is used for sending the client authentication request to a second server;
the client authentication request is used for instructing the second server to compare the biological characteristic information which is stored in advance by the second server and corresponds to the target user identity information with the biological characteristic information which is acquired by the second server and instructs the client to obtain a comparison result; the client is a client logged in based on the identity information of the target user;
the acquisition module is used for acquiring a control instruction for instructing the ATM to spit out a target credit payment card corresponding to the user interface from a first server; the control instruction is generated when the comparison result represents that the biological characteristic information which is stored in advance by the second server and corresponds to the target user identity information is matched with the biological characteristic information which is acquired by the client;
and the card issuing module is used for outputting the target credit payment card to the outer side of the ATM based on the control instruction.
An ATM machine comprising:
a memory for storing a program;
a processor configured to execute the program, the program specifically configured to:
under the condition that the user interface is not quitted, if a card swiping request is detected, generating a client authentication request based on the target user identity information corresponding to the user interface;
the user interface is an interface corresponding to a target credit payment card displayed by the ATM after the target credit payment card corresponding to the target user identity information is inserted into the ATM and the password corresponding to the target credit payment card passes verification;
sending the client authentication request to a second server;
the client authentication request is used for instructing the second server to compare the biological characteristic information which is stored in advance by the second server and corresponds to the target user identity information with the biological characteristic information which is acquired by the second server and instructs the client to obtain a comparison result; the client is a client logged in based on the identity information of the target user;
obtaining a control instruction for instructing the ATM to spit out a target credit payment card corresponding to the user interface from a first server; the control instruction is generated when the comparison result represents that the biological characteristic information which is stored in advance by the second server and corresponds to the target user identity information is matched with the biological characteristic information which is acquired by the client;
outputting the target credit payment card to the outside of the ATM based on the control instruction.
A readable storage medium having stored thereon a computer program which, when executed by a processor, implements an ATM card-ejecting method as described above.
According to the technical scheme, in the ATM card issuing system provided by the application, under the condition that the user interface is not quitted, if a card issuing request is detected, the ATM defaults that a credit payment card corresponding to the user interface needs to be issued by the ATM, but in order to determine that the card issuing operation is the intention of the user, the identity of the user needs to be confirmed, namely, the client acquires the biological characteristic information of the user, and the second server compares the biological characteristic information which is stored in advance by the second server and corresponds to the target user identity information with the biological characteristic information which is acquired by the second server and is instructed by the client; and when the comparison result represents that the biological characteristic information prestored by the second server corresponding to the target user identity information is matched with the biological characteristic information acquired by the client, the first server generates a control instruction for indicating the ATM to remove the card, and after the ATM obtains the control instruction, the ATM performs card removal operation. The aim of automatic card issuing of the ATM is achieved, and the intention of a user in card issuing operation is guaranteed.
Drawings
In order to more clearly illustrate the embodiments of the present application or the technical solutions in the prior art, the drawings needed to be used in the description of the embodiments or the prior art will be briefly introduced below, it is obvious that the drawings in the following description are only embodiments of the present application, and for those skilled in the art, other drawings can be obtained according to the provided drawings without creative efforts.
Fig. 1 is a block diagram of an implementation manner of an ATM card issuing system according to an embodiment of the present application;
fig. 2 is a block diagram of another implementation manner of an ATM card issuing system according to an embodiment of the present application;
fig. 3 is a signaling diagram of an implementation manner of an ATM card issuing method according to an embodiment of the present application;
FIG. 4 is a block diagram of one implementation of an ATM provided by an embodiment of the present application;
fig. 5 is a block diagram of another implementation manner of the ATM according to the embodiment of the present application.
Detailed Description
The technical solutions in the embodiments of the present application will be clearly and completely described below with reference to the drawings in the embodiments of the present application, and it is obvious that the described embodiments are only a part of the embodiments of the present application, and not all of the embodiments. All other embodiments, which can be derived by a person skilled in the art from the embodiments given herein without making any creative effort, shall fall within the protection scope of the present application.
When a user uses the ATM to transact business, the user needs to insert a credit payment card (which may be a bank card or a credit card) into a card slot of the ATM, and input a password of the credit payment card, and after the verification is successful (that is, the password input by the user is the same as the reserved password), the user can transact the corresponding business on the ATM.
In an alternative embodiment, the password of the credit payment card may be one or more of a digital password and biometric information of the user, and the biometric information may include one or more of a fingerprint, an iris, face information, palm print information, a body gesture, and a voice print.
The user can use the ATM to handle any one or more of transfer service, withdrawal service, deposit service, password modification and inquiry service, and the embodiment of the application does not limit the service types handled by the user using the ATM.
After the verification is successful, the ATM may display a user interface. The user interface mentioned in the embodiment of the application refers to an interface corresponding to the credit payment card displayed by the ATM after the user inserts the credit payment card into the card slot of the ATM and the password verification based on the credit payment card is successful.
The ATM card issuing system provided by the embodiment of the application aims at the following application scenarios.
Under the condition that the ATM does not exit the user interface, the user finds that the credit payment card of the user is swallowed by the ATM and wants to use the ATM to pay out the card.
Please refer to fig. 1, which is a block diagram of an implementation manner of an ATM card issuing system according to an embodiment of the present application.
The ATM card issuing system comprises: an ATM machine 11, a first server 12, a second server 13, and a client 14.
The user interface shown in the ATM 11 of fig. 1 is a user interface that includes the types of services that the user can handle.
Optionally, the user interface may be any one of a user interface including information indicating whether a service that the user has transacted is successful, a user interface including information that the user needs to confirm during transaction, and a user interface including information indicating that the user has successfully logged in the ATM.
The content included in the user interface is not limited in the embodiments of the present application.
It will be appreciated that in the event that the ATM 11 does not exit the user interface, the ATM has already learned the card number of the credit payment card inserted into the card slot of the ATM, the user identity information corresponding to that credit payment card.
Optionally, the user identity information includes one or more of a user name, a user identity card number, a user instant messaging account number, and a user mobile phone number.
In an alternative embodiment, the first server 12 may be an ATM server. Optionally, the second server belongs to a server of a public security department; optionally, the second server belongs to a server of a bank.
Optionally, if the ATM 11 detects a card-swiping request, a client authentication request is generated based on the target user identity information corresponding to the user interface. The first server 12 forwards the client authentication request to the second server 13; the second server generates a collection request for collecting the biometric information and sends the collection request to the client 14 logged in based on the identity information of the target user.
In an alternative embodiment, the client may be a web client or an application client; fig. 1 illustrates an example in which a user successfully logs in a client based on target user identity information using a smart phone.
Optionally, the electronic device capable of logging in the client may be any one of a desktop computer, a PAD, a smart phone, and a notebook computer.
The client 14 may call a camera or a fingerprint collection module or a voice collection module of the electronic device to collect the biometric information of the user, and send the biometric information to the second server 13.
Optionally, the biometric information of the user may be carried in the resident identification card online application function credential (i.e., the web certificate), and the client may collect the biometric information collected by the user in the process of applying for the web certificate.
The second server 13 compares the biometric information corresponding to the target user identity information pre-stored by itself with the biometric information collected by the client, obtains a comparison result, and sends the comparison result to the first server 12. And the first server 12 generates a control instruction for indicating the card to be spitted by the ATM when the comparison result shows that the biological characteristic information which is pre-stored by the second server and corresponds to the target user identity information is matched with the biological characteristic information which is acquired by the client. The first server 12 sends control instructions to the ATM 11, which performs a card eject operation.
Please refer to fig. 2, which is a block diagram of another implementation manner of the ATM card issuing system according to the embodiment of the present application.
The ATM card issuing system comprises: an ATM machine 11, a first server 12, a second server 13, a client 14, and a third server 21.
Alternatively, the third server 21 may be a server belonging to a bank. Optionally, the third server 21 is an authentication server (authentication server).
Optionally, the third server 21 is configured to receive the client authentication request sent by the first server 13; and converting the client authentication request into an authentication message with a preset format, and sending the authentication message to the second server, wherein the authentication message carries the client authentication request.
The preset format may be determined based on actual conditions, and the embodiment of the present application is not particularly limited.
Optionally, the third server is further configured to: receiving a result message carrying the comparison result sent by the second server 13, analyzing the result message to obtain the comparison result, and sending the comparison result to the first server.
The following describes, with reference to fig. 1 and fig. 2, a card-receiving method for an ATM machine according to an embodiment of the present application, and as shown in fig. 3, is a signaling diagram of an implementation manner of the card-receiving method for an ATM machine according to the embodiment of the present application, where the method includes:
step S301: under the condition that the ATM 11 does not exit the user interface, if a card-issuing request is detected, generating a client authentication request based on the target user identity information corresponding to the user interface; the client authentication request is sent to the first server 12.
In the embodiment of the application, the user identity information of the user needing to take the card from the ATM is called target user identity information.
And the user interface is an interface corresponding to the target credit payment card displayed by the ATM after the target credit payment card corresponding to the target user identity information is inserted into the ATM and the password verification corresponding to the target credit payment card is passed.
Optionally, the user interface may be an interface for logging in based on the identity information of the target user.
It will be appreciated that in the event that the ATM 11 does not exit the user interface, the ATM has already learned the card number of the credit payment card inserted into the card slot of the ATM, the user identity information (e.g., one or more of the user name, the user phone number, and the user identification number) to which the credit payment card corresponds.
In an alternative embodiment, if the user wants the ATM to issue a card, the user may optionally press one or more keys already on the ATM 11 for a long time, for example, press the key corresponding to the number 9 for a long time; alternatively, a plurality of keys are touched simultaneously, for example, a key corresponding to the character 9 and a key corresponding to the numeral 0 are touched simultaneously.
In an alternative embodiment, a card eject button may be added to the ATM, which may be touched if the user desires the ATM to eject a card.
In an alternative embodiment, the card-ejecting button may be a virtual button displayed on the display screen of the ATM or a physical button.
In an alternative embodiment, the ATM may include a voice recognition module by which the user's voice is captured and the user may speak a request for card ejection.
Alternatively, the ATM 11 may detect a card-eject request after the user performs any of the above operations.
Step S302: the first server 12 sends the client authentication request to the second server 13.
Alternatively, the ATM machine 11 may directly send the client authentication request to the second server 13.
Alternatively, the ATM 11 may transmit the client authentication request to the second server 13 through the first server 12.
Optionally, the first server 12 sends the client authentication request to the second server 13 through a third server. Optionally, the third server is configured to receive the client authentication request sent by the first server; and converting the client authentication request into an authentication message with a preset format, and sending the authentication message to the second server, wherein the authentication message carries the client authentication request.
Step S303: the second server 13 stores in advance biometric information corresponding to each of the plurality of user identification information. After receiving the client authentication request, a collection request for collecting the biometric information is generated and sent to the client 14 associated with the identity information of the target user.
Optionally, the biometric information corresponding to the plurality of user identity information pre-stored by the second server 13 is obtained in the process of transacting the network certificate by the user.
Optionally, the biometric information corresponding to the plurality of user identity information pre-stored by the second server 13 may also be obtained through other channels, which is not limited in the embodiment of the present application.
Step S304: when receiving the collection request, the client 14 collects the biometric information and sends the biometric information to the second server 13.
And the client is a client logged in based on the identity information of the target user.
In an alternative embodiment, the client may be a web client or an application client; fig. 1 illustrates an example in which a user successfully logs in a client based on target user identity information using a smart phone.
Optionally, the electronic device capable of logging in the client may be any one of a desktop computer, a PAD, a smart phone, and a notebook computer.
The client 14 may call a camera or a fingerprint collection module or a voice collection module of the electronic device to collect the biometric information of the user, and send the biometric information to the second server 13.
The client collects the biological characteristic information, so that the user can optionally collect the remote biological characteristic information if the user allows other people to withdraw money on the ATM, namely the user can not be in front of the ATM, and the remote identity authentication is realized.
Step S305: the second server 13 compares the pre-stored biometric information corresponding to the target user identity information with the biometric information collected by the client, so as to obtain a comparison result.
Alternatively, the second server 13 may directly send the comparison result to the first server 12.
Optionally, the second server 13 may send the comparison result to the first server 12 through the third server 15. Optionally, the third server is further configured to: and receiving a result message which is sent by the second server and carries the comparison result, analyzing the result message to obtain the comparison result, and sending the comparison result to the first server.
Step S306: the first server 12 obtains the comparison result, and when the comparison result is that the biometric information pre-stored in the second server corresponding to the target user identity information matches the biometric information collected by the client, generates a control instruction instructing the ATM to issue the target credit payment card corresponding to the user interface, and sends the control instruction to the ATM 11.
Step S307: and if the ATM 11 receives the control command, outputting the target credit payment card to the outside of the ATM.
Since the ATM 11 does not exit the user interface, after receiving the control command, the ATM defaults that the credit payment card that the ATM needs to spit out is the credit payment card corresponding to the user interface currently displayed by the ATM.
Alternatively, the ATM may eject the credit payment card from the card slot. Alternatively, a card-ejecting slot may be provided in the ATM through which the credit payment card is ejected.
In the card issuing system of the ATM, the client 14 is called to collect the biological characteristic information of the user, and the ATM 11 is not required to collect the biological characteristic information of the user, so the structural change of the ATM is small, and even the structure of the ATM can not be improved.
In the method for telling the card by the ATM, if a card telling request is detected under the condition that a user interface is not quitted, the ATM defaults that a credit payment card corresponding to the user interface needs to be telled by the ATM, but in order to determine that the card telling operation is the intention of the user, the identity of the user needs to be confirmed, namely, the client acquires the biological characteristic information of the user, and a second server is used for comparing the biological characteristic information which is stored in advance by the second server and corresponds to the target user identity information with the biological characteristic information which is acquired by the second server and indicates the client to indicate the client; and when the comparison result represents that the biological characteristic information prestored by the second server corresponding to the target user identity information is matched with the biological characteristic information acquired by the client, the first server generates a control instruction for indicating the ATM to remove the card, and after the ATM obtains the control instruction, the ATM performs card removal operation. The card issuing operation is guaranteed to be the intention of the user.
In an alternative embodiment, the ATM machine 11 may output the target credit payment card to the outside of the ATM machine based on the control instruction in various ways, and the embodiments of the present application provide but are not limited to the following.
The first implementation manner comprises the following steps:
the method comprises the following steps: and acquiring a target card number of the target credit payment card corresponding to the user interface.
Step two: and acquiring a target position number corresponding to the target card number based on the position number corresponding to each card number.
The ATM comprises a plurality of storage units, each of which is capable of storing a credit payment card, and each of the storage units is provided with a position number.
Step three: and outputting the target credit payment card stored in the storage unit corresponding to the target position number to the outer side of the ATM.
The second implementation manner comprises the following steps:
outputting the target credit payment card stored in the temporary storage unit to an outside of the ATM.
The ATM comprises a temporary storage unit, and the temporary storage unit is used for storing a target credit payment card corresponding to the user interface under the condition that the user interface is not quitted.
In an alternative embodiment, if the user does not timely remove the swallowed credit payment card from the ATM after the ATM swallows the card, and the ATM also exits the user interface, then the following method is optionally further included:
the method comprises the following steps: and under the condition that the user interface is not quitted, obtaining the target card number of the target credit payment card corresponding to the user interface.
Step two: and in the case of exiting the user interface, storing the target credit payment card to a target storage unit, which does not store a credit payment card, among the plurality of storage units.
The ATM comprises a plurality of storage units, each of which is capable of storing a credit payment card, and each of the storage units is provided with a position number.
Step three: and establishing a corresponding relation between the position number of the target storage unit and the target card number.
In this way, when the user obtains the swallowed target credit payment card through the manual counter, the staff of the manual counter can determine the position number of the memory cell of the credit payment card based on the target card number, and therefore the swallowed target credit payment card can be found from the ATM more quickly.
The method is described in detail in the embodiments disclosed in the present application, and the method of the present application can be implemented by various types of apparatuses, so that an apparatus is also disclosed in the present application, and the following detailed description is given of specific embodiments.
As shown in fig. 4, a block diagram of an implementation manner of an ATM provided in an embodiment of the present application is an ATM, including:
a generating module 41, configured to, if a card-swiping request is detected without exiting the user interface, generate a client authentication request based on target user identity information corresponding to the user interface;
the user interface is an interface corresponding to a target credit payment card displayed by the ATM after the target credit payment card corresponding to the target user identity information is inserted into the ATM and the password corresponding to the target credit payment card passes verification;
a sending module 42, configured to send the client authentication request to a second server;
the client authentication request is used for instructing the second server to compare the biological characteristic information which is stored in advance by the second server and corresponds to the target user identity information with the biological characteristic information which is acquired by the second server and instructs the client to obtain a comparison result; the client is a client logged in based on the identity information of the target user;
an obtaining module 43, configured to obtain, from a first server, a control instruction for instructing the ATM to spit a target credit payment card corresponding to the user interface; the control instruction is generated when the comparison result represents that the biological characteristic information which is stored in advance by the second server and corresponds to the target user identity information is matched with the biological characteristic information which is acquired by the client;
and the card issuing module 44 is used for outputting the target credit payment card to the outer side of the ATM based on the control instruction.
Optionally, the ATM includes a plurality of storage units, each of the storage units is capable of storing a credit payment card, and each of the storage units is provided with a location number; the card swiping module comprises:
the first acquisition unit is used for acquiring a target card number of a target credit payment card corresponding to the user interface;
the second obtaining unit is used for obtaining a target position number corresponding to the target card number based on the position numbers respectively corresponding to the card numbers;
and a first card issuing unit configured to output the target credit payment card stored in the storage unit corresponding to the target position number to an outside of the ATM.
Optionally, the ATM includes a temporary storage unit, and the temporary storage unit is configured to store a target credit payment card corresponding to the user interface without exiting the user interface; the card swiping module comprises:
a second card-issuing unit for outputting the target credit payment card stored in the temporary storage unit to an outside of the ATM.
Optionally, the ATM includes a plurality of storage units, each of the storage units is capable of storing a credit payment card, each of the storage units is provided with a location number, and the ATM further includes:
the second acquisition module is used for acquiring the target card number of the target credit payment card corresponding to the user interface under the condition that the user interface is not quitted;
a storage module for storing the target credit payment card to a target storage unit in which no credit payment card is stored among the plurality of storage units, in case of exiting the user interface;
and the establishing module is used for establishing the corresponding relation between the position number of the target storage unit and the target card number.
Referring to fig. 5, a structural diagram of another implementation manner of an ATM according to an embodiment of the present application is shown, where the ATM includes:
a memory 51 for storing a program;
a processor 52 configured to execute the program, the program being specifically configured to:
under the condition that the user interface is not quitted, if a card swiping request is detected, generating a client authentication request based on the target user identity information corresponding to the user interface;
the user interface is an interface corresponding to a target credit payment card displayed by the ATM after the target credit payment card corresponding to the target user identity information is inserted into the ATM and the password corresponding to the target credit payment card passes verification;
sending the client authentication request to a second server;
the client authentication request is used for instructing the second server to compare the biological characteristic information which is stored in advance by the second server and corresponds to the target user identity information with the biological characteristic information which is acquired by the second server and instructs the client to obtain a comparison result; the client is a client logged in based on the identity information of the target user;
obtaining a control instruction for instructing the ATM to spit out a target credit payment card corresponding to the user interface from a first server; the control instruction is generated when the comparison result represents that the biological characteristic information which is stored in advance by the second server and corresponds to the target user identity information is matched with the biological characteristic information which is acquired by the client;
outputting the target credit payment card to the outside of the ATM based on the control instruction.
The electronic device may further include: a communication interface 53, a communication bus 54; in the embodiment of the present application, the number of the memory 51, the processor 52, the communication interface 53 and the communication bus 54 is at least one, and the memory 51, the processor 51 and the communication interface 53 complete the communication with each other through the communication bus 64;
the processor 52 may be a central processing unit CPU, or an Application Specific Integrated Circuit (ASIC), or one or more Integrated circuits configured to implement embodiments of the present invention, or the like;
the memory 51 may comprise a high-speed RAM memory, and may further comprise a non-volatile memory (non-volatile memory) or the like, such as at least one disk memory.
The embodiment of the application also provides a readable storage medium, which is stored with a computer program, and is characterized in that when the computer program is executed by a processor, the method for the card issuing of the ATM is realized.
Note that the features described in the embodiments in the present specification may be replaced with or combined with each other. For the device or system type embodiment, since it is basically similar to the method embodiment, the description is simple, and for the relevant points, refer to the partial description of the method embodiment.
It is further noted that, herein, relational terms such as first and second, and the like may be used solely to distinguish one entity or action from another entity or action without necessarily requiring or implying any actual such relationship or order between such entities or actions. Also, the terms "comprises," "comprising," or any other variation thereof, are intended to cover a non-exclusive inclusion, such that a process, method, article, or apparatus that comprises a list of elements does not include only those elements but may include other elements not expressly listed or inherent to such process, method, article, or apparatus. Without further limitation, an element defined by the phrase "comprising an … …" does not exclude the presence of other identical elements in a process, method, article, or apparatus that comprises the element.
The steps of a method or algorithm described in connection with the embodiments disclosed herein may be embodied directly in hardware, in a software module executed by a processor, or in a combination of the two. A software module may reside in Random Access Memory (RAM), memory, Read Only Memory (ROM), electrically programmable ROM, electrically erasable programmable ROM, registers, hard disk, a removable disk, a CD-ROM, or any other form of storage medium known in the art.
The previous description of the disclosed embodiments is provided to enable any person skilled in the art to make or use the present application. Various modifications to these embodiments will be readily apparent to those skilled in the art, and the generic principles defined herein may be applied to other embodiments without departing from the spirit or scope of the application. Thus, the present application is not intended to be limited to the embodiments shown herein but is to be accorded the widest scope consistent with the principles and novel features disclosed herein.
Claims (10)
1. An ATM card-issuing system, comprising:
the ATM is used for generating a client authentication request based on the target user identity information corresponding to the user interface and sending the client authentication request to the first server if the card swiping request is detected under the condition that the ATM does not exit the user interface;
the user interface is an interface corresponding to a target credit payment card displayed by the ATM after the target credit payment card corresponding to the target user identity information is inserted into the ATM and the password corresponding to the target credit payment card passes verification;
the first server is used for sending the client authentication request to a second server;
the second server is prestored with biological characteristic information corresponding to a plurality of user identity information respectively, is used for generating a collection request for collecting the biological characteristic information after receiving the client authentication request, and sends the collection request to the client logged in based on the target user identity information; the client is positioned in a user terminal, and the user terminal is a desktop computer, a tablet, a mobile phone or a notebook computer;
the client is used for acquiring the biological characteristic information and sending the biological characteristic information to the second server when receiving the acquisition request;
the second server is further configured to compare pre-stored biometric information corresponding to the target user identity information with the biometric information acquired by the client, so as to obtain a comparison result;
the first server is further configured to obtain the comparison result, generate a control instruction instructing the ATM to issue a target credit payment card corresponding to the user interface when the comparison result is that the biometric information pre-stored in the second server corresponding to the target user identity information matches the biometric information acquired by the client, and send the control instruction to the ATM;
and the ATM is also used for outputting the target credit payment card to the outer side of the ATM if the control instruction is received.
2. An ATM card-passing system according to claim 1, further comprising:
the third server is used for receiving the client authentication request sent by the first server; and converting the client authentication request into an authentication message with a preset format, and sending the authentication message to the second server, wherein the authentication message carries the client authentication request.
3. An ATM card-issuing system according to claim 2,
the third server is further configured to: and receiving a result message which is sent by the second server and carries the comparison result, analyzing the result message to obtain the comparison result, and sending the comparison result to the first server.
4. An ATM card issuing method is characterized by being applied to an ATM and comprising the following steps:
under the condition that the user interface is not quitted, if a card swiping request is detected, generating a client authentication request based on the target user identity information corresponding to the user interface;
the user interface is an interface corresponding to a target credit payment card displayed by the ATM after the target credit payment card corresponding to the target user identity information is inserted into the ATM and the password corresponding to the target credit payment card passes verification;
sending the client authentication request to a second server;
the client authentication request is used for instructing the second server to compare the biological characteristic information which is stored in advance by the second server and corresponds to the target user identity information with the biological characteristic information which is acquired by the second server and instructs the client to obtain a comparison result; the client is a client logged in based on the identity information of the target user; the client is positioned in a user terminal, and the user terminal is a desktop computer, a tablet, a mobile phone or a notebook computer;
obtaining a control instruction for instructing the ATM to spit out a target credit payment card corresponding to the user interface from a first server; the control instruction is generated when the comparison result represents that the biological characteristic information which is stored in advance by the second server and corresponds to the target user identity information is matched with the biological characteristic information which is acquired by the client;
outputting the target credit payment card to the outside of the ATM based on the control instruction.
5. An ATM card-discharging method according to claim 4, wherein said ATM includes a plurality of memory cells each capable of storing one credit payment card, each of said memory cells being provided with a position number, said outputting said target credit payment card to an outside of said ATM based on said control instruction includes:
acquiring a target card number of a target credit payment card corresponding to the user interface;
obtaining a target position number corresponding to the target card number based on the position numbers corresponding to the card numbers respectively;
and outputting the target credit payment card stored in the storage unit corresponding to the target position number to the outer side of the ATM.
6. An ATM card-discharging method according to claim 4, wherein said ATM includes a temporary storage unit for storing a target credit payment card corresponding to said user interface without exiting said user interface;
the outputting the target credit payment card to the outside of the ATM machine based on the control instruction comprises:
outputting the target credit payment card stored in the temporary storage unit to an outside of the ATM.
7. An ATM card-discharging method according to claim 6, wherein said ATM includes a plurality of memory units, each of said memory units being capable of storing a credit payment card, each of said memory units being provided with a position number, further comprising:
under the condition that the user interface is not quitted, obtaining a target card number of a target credit payment card corresponding to the user interface;
storing the target credit payment card to a target storage unit, which does not store a credit payment card, among the plurality of storage units, in case of exiting the user interface;
and establishing a corresponding relation between the position number of the target storage unit and the target card number.
8. An ATM machine, comprising:
the generation module is used for generating a client authentication request based on the target user identity information corresponding to the user interface if the card swiping request is detected under the condition that the user interface is not exited;
the user interface is an interface corresponding to a target credit payment card displayed by the ATM after the target credit payment card corresponding to the target user identity information is inserted into the ATM and the password corresponding to the target credit payment card passes verification;
the sending module is used for sending the client authentication request to a second server;
the client authentication request is used for instructing the second server to compare the biological characteristic information which is stored in advance by the second server and corresponds to the target user identity information with the biological characteristic information which is acquired by the second server and instructs the client to obtain a comparison result; the client is a client logged in based on the identity information of the target user; the client is positioned in a user terminal, and the user terminal is a desktop computer, a tablet, a mobile phone or a notebook computer;
the acquisition module is used for acquiring a control instruction for instructing the ATM to spit out a target credit payment card corresponding to the user interface from a first server; the control instruction is generated when the comparison result represents that the biological characteristic information which is stored in advance by the second server and corresponds to the target user identity information is matched with the biological characteristic information which is acquired by the client;
and the card issuing module is used for outputting the target credit payment card to the outer side of the ATM based on the control instruction.
9. An ATM machine, comprising:
a memory for storing a program;
a processor configured to execute the program, the program specifically configured to:
under the condition that the user interface is not quitted, if a card swiping request is detected, generating a client authentication request based on the target user identity information corresponding to the user interface;
the user interface is an interface corresponding to a target credit payment card displayed by the ATM after the target credit payment card corresponding to the target user identity information is inserted into the ATM and the password corresponding to the target credit payment card passes verification;
sending the client authentication request to a second server;
the client authentication request is used for instructing the second server to compare the biological characteristic information which is stored in advance by the second server and corresponds to the target user identity information with the biological characteristic information which is acquired by the second server and instructs the client to obtain a comparison result; the client is a client logged in based on the identity information of the target user; the client is positioned in a user terminal, and the user terminal is a desktop computer, a tablet, a mobile phone or a notebook computer;
obtaining a control instruction for instructing the ATM to spit out a target credit payment card corresponding to the user interface from a first server; the control instruction is generated when the comparison result represents that the biological characteristic information which is stored in advance by the second server and corresponds to the target user identity information is matched with the biological characteristic information which is acquired by the client;
outputting the target credit payment card to the outside of the ATM based on the control instruction.
10. A readable storage medium having stored thereon a computer program for, when executed by a processor, implementing an ATM card-discharging method according to any one of claims 4 to 7.
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| CN202010342610.5A CN111554052B (en) | 2020-04-27 | 2020-04-27 | ATM card issuing system and method and ATM |
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| CN202010342610.5A CN111554052B (en) | 2020-04-27 | 2020-04-27 | ATM card issuing system and method and ATM |
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| US7840457B2 (en) * | 2008-03-24 | 2010-11-23 | Intuit Inc. | System and method for automated transaction splitting |
| CN103279779B (en) * | 2013-05-27 | 2016-03-23 | 中国工商银行股份有限公司 | A kind of self-aided terminal gulps down card treatment facility and system |
| KR101674891B1 (en) * | 2014-04-02 | 2016-11-23 | 인하대학교 산학협력단 | Method and system for enhancing security of ATM by using face recognition |
| CN104091390A (en) * | 2014-06-09 | 2014-10-08 | 中国建设银行股份有限公司 | System and method for bank self-service terminal card-swallowing reminding and processing |
| CN105006077A (en) * | 2015-06-19 | 2015-10-28 | 上海卓易科技股份有限公司 | ATM safe operation method and system based on fingerprint identification, and ATM |
| CN205507994U (en) * | 2015-08-28 | 2016-08-24 | 北京银普科技有限公司 | Self -service terminal of finance |
| CN105788101B (en) * | 2016-02-15 | 2018-03-16 | 东方通信股份有限公司 | The self-help teller machine system and abnormality detection and card number application method of card number can be made by oneself |
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