CN111640266A - Method for depositing and withdrawing money on ATM and intelligent terminal - Google Patents
Method for depositing and withdrawing money on ATM and intelligent terminal Download PDFInfo
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- CN111640266A CN111640266A CN202010534329.1A CN202010534329A CN111640266A CN 111640266 A CN111640266 A CN 111640266A CN 202010534329 A CN202010534329 A CN 202010534329A CN 111640266 A CN111640266 A CN 111640266A
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- atm
- withdrawal
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- mobile banking
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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
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06F—ELECTRIC DIGITAL DATA PROCESSING
- G06F21/00—Security arrangements for protecting computers, components thereof, programs or data against unauthorised activity
- G06F21/30—Authentication, i.e. establishing the identity or authorisation of security principals
- G06F21/31—User authentication
- G06F21/34—User authentication involving the use of external additional devices, e.g. dongles or smart cards
- G06F21/35—User authentication involving the use of external additional devices, e.g. dongles or smart cards communicating wirelessly
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06V—IMAGE OR VIDEO RECOGNITION OR UNDERSTANDING
- G06V40/00—Recognition of biometric, human-related or animal-related patterns in image or video data
- G06V40/10—Human or animal bodies, e.g. vehicle occupants or pedestrians; Body parts, e.g. hands
- G06V40/16—Human faces, e.g. facial parts, sketches or expressions
- G06V40/172—Classification, e.g. identification
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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]
- G07F19/202—Depositing operations within ATMs
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- G—PHYSICS
- G07—CHECKING-DEVICES
- G07F—COIN-FREED OR LIKE APPARATUS
- G07F19/00—Complete banking systems; Coded card-freed arrangements adapted for dispensing or receiving monies or the like and posting such transactions to existing accounts, e.g. automatic teller machines
- G07F19/20—Automatic teller machines [ATMs]
- G07F19/203—Dispensing operations within ATMs
Abstract
The invention discloses a method for depositing and withdrawing money on an ATM (automatic teller machine) and an intelligent terminal, wherein the intelligent terminal logs in to a mobile phone bank client according to a mobile phone bank login instruction input by a user, scans an information code on the ATM by using the mobile phone bank client, establishes wireless connection with the ATM, acquires a withdrawal instruction input by the user aiming at a target account number associated with the mobile phone bank client, verifies a withdrawal password in the withdrawal instruction, further identifies a face image of the current withdrawal user after the withdrawal password is verified, and triggers the ATM to open a money outlet and execute money-dispensing operation after the face image is recognized. The invention uses the mobile phone bank client in the intelligent terminal to scan the information code on the ATM to realize the withdrawal without the card, thereby solving the defects existing in the withdrawal by only depending on the bank card.
Description
Technical Field
The invention relates to the technical field of bank deposit and withdrawal, in particular to a method for depositing and withdrawing money on an ATM (automatic teller machine) and an intelligent terminal.
Background
At present, a customer relies on a bank card to withdraw money from a bank ATM (Automatic Teller Machine), and the customer needs to insert the bank card first and input a withdrawal password into the ATM to withdraw money.
If the bank card is forgotten to be taken or lost, the withdrawal operation cannot be executed. In addition, the phenomena of forgetting to take the card and being swallowed after the withdrawal of the money also occur sometimes, thereby bringing great inconvenience to users. In addition, the traditional withdrawal mode can cause the ATM to be touched by a plurality of people, and potential safety hazards exist to a certain extent.
Disclosure of Invention
In view of the above, the present invention discloses a method for depositing and withdrawing money on an ATM and an intelligent terminal, which are used for realizing cardless money withdrawing by scanning an information code on the ATM through a mobile banking client in the intelligent terminal, thereby solving various disadvantages existing in the simple dependence on the bank card for money withdrawing, and greatly improving the security of cardless money withdrawing by adopting a double verification mode of money withdrawing password verification and face identification of a money withdrawing user.
A method for depositing and withdrawing money on an ATM is applied to an intelligent terminal and comprises the following steps:
logging in a mobile phone bank client according to a mobile phone bank login instruction input by a user;
scanning an information code on an ATM by using the mobile banking client, and establishing wireless connection with the ATM, wherein the ATM is provided with a wireless communication module;
acquiring a target account number associated with the mobile banking client according to an account number selection instruction input by a user;
acquiring a withdrawal instruction aiming at the target account, wherein the withdrawal instruction comprises a withdrawal amount and a withdrawal password;
after the withdrawal password passes the background verification, acquiring a face image of a current withdrawal user through the ATM;
matching the face image with a user image corresponding to the target account, and carrying out face recognition on the current money withdrawing user;
and after the face image identification is passed, triggering the ATM to open the cash outlet and executing the cash-out operation.
Optionally, the scanning, by using the mobile banking client, the information code on the ATM machine, and establishing a wireless connection with the ATM machine specifically include:
scanning the information code by using the mobile banking client;
analyzing the information code to obtain the identification ID of the ATM;
and establishing wireless connection with the ATM based on the identification ID.
Optionally, the establishing a wireless connection with the ATM based on the identifier ID specifically includes:
matching the identification ID with the identification ID of the target ATM which has reserved service handling;
and when the identification ID is successfully matched, establishing wireless connection with the ATM.
Optionally, the determining process of the target ATM includes:
logging in the mobile phone bank client according to the mobile phone bank login instruction input by the user;
acquiring a business handling instruction input by a user at the mobile banking client;
based on the service handling instruction, finding out the ATM meeting the withdrawal requirement as a candidate ATM from a preset range away from the current position of the intelligent terminal, wherein the withdrawal requirement at least comprises the following steps: the ATM can be normally used;
and finding out the ATM closest to the intelligent terminal from the candidate ATMs as a target ATM, and recording the identification ID of the target ATM.
Optionally, the method further includes:
and outputting the position information of the target ATM and the route information from the current position of the intelligent terminal to the target ATM.
Optionally, the method further includes:
and after the ATM executes the cash-out operation, controlling the ATM to generate a withdrawal certificate, and simultaneously recording withdrawal information at the mobile banking client.
Optionally, after the obtaining of a target account associated with the mobile banking client according to the account selection instruction input by the user, the method further includes:
acquiring a deposit instruction aiming at the target account;
triggering the ATM to open a deposit window;
acquiring the deposit amount generated by the ATM aiming at the bank notes placed by the user;
displaying the deposit amount on an interface of the mobile banking client;
and acquiring a confirmation instruction input by the user at the mobile banking client aiming at the deposit amount, and controlling the ATM to execute deposit operation.
An intelligent terminal, comprising:
the login unit is used for logging in to the mobile banking client according to a mobile banking login instruction input by a user;
the connection establishing unit is used for scanning information codes on an ATM by using the mobile banking client and establishing wireless connection with the ATM, wherein the ATM is provided with a wireless communication module;
the account acquisition unit is used for acquiring a target account related to the mobile banking client according to an account selection instruction input by a user;
a withdrawal instruction obtaining unit, configured to obtain a withdrawal instruction for the target account, where the withdrawal instruction includes a withdrawal amount and a withdrawal password;
the collection unit is used for collecting the face image of the current withdrawal user through the ATM after the withdrawal password passes the background verification;
the matching unit is used for matching the face image with a user image corresponding to the target account and carrying out face recognition on the current money withdrawing user;
and the cash-out triggering unit is used for triggering the ATM to open a cash-out port and execute cash-out operation after the face image identification is passed.
Optionally, the connection establishing unit is specifically configured to:
scanning the information code by using the mobile banking client;
analyzing the information code to obtain the identification ID of the ATM;
and establishing wireless connection with the ATM based on the identification ID.
Optionally, the connection establishing unit is further specifically configured to:
matching the identification ID with the identification ID of the target ATM which has reserved service handling;
and when the identification ID is successfully matched, establishing wireless connection with the ATM.
Optionally, the method further includes: a target ATM determination unit;
the target ATM determination unit is specifically configured to:
logging in the mobile phone bank client according to the mobile phone bank login instruction input by the user;
acquiring a business handling instruction input by a user at the mobile banking client;
based on the service handling instruction, finding out the ATM meeting the withdrawal requirement as a candidate ATM from a preset range away from the current position of the intelligent terminal, wherein the withdrawal requirement at least comprises the following steps: the ATM can be normally used;
and finding out the ATM closest to the intelligent terminal from the candidate ATMs as a target ATM, and recording the identification ID of the target ATM.
Optionally, the target ATM determination unit is further specifically configured to:
and outputting the position information of the target ATM and the route information from the current position of the intelligent terminal to the target ATM.
Optionally, the method further includes:
and the certificate generating unit is used for controlling the ATM to generate a withdrawal certificate after the ATM finishes the cash-out operation, and simultaneously recording withdrawal information at the mobile banking client.
Optionally, the method further includes:
the deposit instruction is used for acquiring the deposit instruction aiming at a target account number associated with the mobile banking client after the account number acquisition unit acquires the target account number according to an account number selection instruction input by a user;
the window triggering unit is used for triggering the ATM to open a deposit window;
a deposit amount generating unit for acquiring a deposit amount generated by the ATM for banknotes placed by a user;
the display unit is used for displaying the deposit amount on an interface of the mobile banking client;
and the confirmation instruction acquisition unit is used for acquiring a confirmation instruction input by the user at the mobile banking client aiming at the deposit amount and controlling the ATM to execute deposit operation.
According to the technical scheme, the intelligent terminal logs in to a mobile banking client according to a mobile banking login instruction input by a user, scans an information code on the ATM by using the mobile banking client, establishes wireless connection with the ATM, acquires a withdrawal instruction input by the user aiming at a target account number associated with the mobile banking client, verifies a withdrawal password in the withdrawal instruction, further identifies a face image of the current withdrawal user after the withdrawal password is verified, and triggers the ATM to open a cash outlet and execute a cash dispensing operation after the face image is recognized. The invention uses the mobile phone bank client in the intelligent terminal to scan the information code on the ATM to realize the withdrawal without the card, thereby solving the defects existing in the withdrawal by only depending on the bank card.
Drawings
In order to more clearly illustrate the embodiments of the present invention or the technical solutions in the prior art, the drawings used in the description of the embodiments or the prior art will be briefly described below, it is obvious that the drawings in the following description are only embodiments of the present invention, and for those skilled in the art, other drawings can be obtained according to the disclosed drawings without creative efforts.
FIG. 1 is a flow chart of a method for depositing and withdrawing money on an ATM according to an embodiment of the present invention;
FIG. 2 is a flow chart of a method for determining a destination ATM according to an embodiment of the present invention;
fig. 3 is a schematic structural diagram of an intelligent terminal disclosed in the embodiment of the present invention.
Detailed Description
The technical solutions in the embodiments of the present invention will be clearly and completely described below with reference to the drawings in the embodiments of the present invention, and it is obvious that the described embodiments are only a part of the embodiments of the present invention, 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 invention.
The embodiment of the invention discloses a method for depositing and withdrawing money on an ATM (automatic teller machine) and an intelligent terminal, wherein the intelligent terminal logs in to a mobile banking client according to a mobile banking login instruction input by a user, scans an information code on the ATM by using the mobile banking client, establishes wireless connection with the ATM, acquires a withdrawal instruction input by the user aiming at a target account number associated with the mobile banking client, verifies a withdrawal password in the withdrawal instruction, further identifies a face image of the current withdrawal user after the withdrawal password is verified, and triggers the ATM to open a money outlet and execute money-dispensing operation after the face image is recognized. The invention uses the mobile phone bank client in the intelligent terminal to scan the information code on the ATM to realize the withdrawal without the card, thereby solving the defects existing in the withdrawal by only depending on the bank card.
Referring to fig. 1, a flowchart of a method for depositing and withdrawing money on an ATM according to an embodiment of the present invention is disclosed, and the method is applied to an intelligent terminal and includes the steps of:
step S101, logging in a mobile banking client according to a mobile banking login instruction input by a user;
the mobile banking login instruction may include: the mobile banking login account and the login password.
Step S102, scanning an information code on an ATM by using the mobile banking client, and establishing wireless connection with the ATM;
it should be noted that the present invention is applicable to an ATM having a wireless communication module.
The information code on the ATM can be a bar code or a two-dimensional code, which is determined according to the actual requirement, and the invention is not limited herein.
In practical application, the intelligent terminal and the ATM can establish wireless connection through technologies such as bluetooth or wireless network, and the specific connection process can refer to the existing mature scheme, which is not described herein again.
The specific implementation process of step S102 is as follows:
scanning the information code by using the mobile banking client;
analyzing the information code to obtain the identification ID of the ATM;
and establishing wireless connection with the ATM based on the identification ID.
It should be noted that in practical applications, each ATM has a unique corresponding identification ID.
Step S103, acquiring a target account number associated with the mobile banking client according to an account number selection instruction input by a user;
it can be understood that the same user may have more than one associated account in one bank, and therefore, before the depositing and withdrawing operation is performed, a target account needs to be selected from a plurality of accounts associated with the mobile banking client according to an account selection instruction input by the user.
Step S104, obtaining a withdrawal instruction aiming at the target account;
when a user needs to withdraw money, the user needs to input a withdrawal instruction at a mobile banking client, and the withdrawal instruction comprises a withdrawal amount and a withdrawal password.
Step S105, collecting a face image of a current withdrawal user through the ATM after the withdrawal password passes background verification;
it should be noted that the withdrawal password is a withdrawal password set for the target account, and the withdrawal password may be the same as the withdrawal password of the bank card corresponding to the target account.
In order to increase the safety of withdrawal, when the withdrawal password input by the user passes the verification, the invention also can identify the face image of the withdrawal user so as to further increase the safety of withdrawal.
Step S106, matching the face image with a user image corresponding to the target account, and carrying out face recognition on the current withdrawal user;
it can be understood that when the bank makes an account for a target account, the identity card information of the user uniquely corresponding to the target account is stored, and the identity card information includes: the identification card number and the user image on the identification card, and therefore, one user image corresponding to one target account.
In this embodiment, the face image of the withdrawal user is matched with the user image corresponding to the target account, so that the face identification of the current withdrawal user is realized, and the withdrawal security is further improved.
And S107, triggering the ATM to open a cash outlet and executing cash-out operation after the face image identification is passed.
After the collected face image passes the identification, the intelligent terminal triggers the ATM through the mobile banking client to open the cash outlet and execute the cash-out operation.
It should be noted that, after the face image recognition is passed, the intelligent terminal may also notify the user in the form of voice.
In summary, according to the method for depositing and withdrawing money on the ATM disclosed by the present invention, the intelligent terminal logs in to the mobile banking client according to the mobile banking login instruction input by the user, scans the information code on the ATM by using the mobile banking client, establishes a wireless connection with the ATM, acquires the withdrawal instruction input by the user aiming at the target account associated with the mobile banking client, verifies the withdrawal password in the withdrawal instruction, further identifies the face image of the current withdrawal user after the withdrawal password is verified, and triggers the ATM to open the money outlet and execute the money dispensing operation after the face image is recognized. The invention uses the mobile phone bank client in the intelligent terminal to scan the information code on the ATM to realize the withdrawal without the card, thereby solving the defects existing in the withdrawal by only depending on the bank card.
To further optimize the above embodiment, after step S107, the method may further include the steps of:
and after the ATM finishes the bank note issuing operation, controlling the ATM to generate a withdrawal certificate, and simultaneously recording withdrawal information at the mobile banking client.
The invention controls the ATM to generate the withdrawal certificate and records the withdrawal information at the mobile banking client so as to facilitate the user to check the withdrawal record.
In order to improve the efficiency of the user for transacting the business in the ATM, the invention can also reserve the business to be transacted on the ATM.
Therefore, in order to further optimize the above embodiment, the step of establishing a wireless connection with the ATM based on the identification ID of the ATM may specifically include:
matching the identification ID of the ATM with the identification ID of a target ATM which has reserved service handling;
and when the identification ID is successfully matched, establishing wireless connection with the ATM.
The reserved service transaction can be reserved withdrawal or reserved deposit.
When a user needs to handle services in the ATM, if the user finds that the ATM fails and cannot handle the services after arriving at the ATM, the user needs to search other ATM again according to ordinary life experience, so that great inconvenience is brought to the user.
Thus, the target ATM tool of the above embodiments may be embodied as: a predetermined ATM machine capable of normal use.
To further optimize the above embodiment, referring to fig. 2, a flowchart of a method for determining a target ATM according to an embodiment of the present invention is disclosed, the method includes the steps of:
step S201, logging in a mobile banking client according to a mobile banking login instruction input by a user;
the mobile banking login instruction may include: the mobile banking login account and the login password.
Step S202, acquiring a business handling instruction input by a user at the mobile banking client;
in practical applications, the business transaction instruction may be a withdrawal instruction or a deposit instruction.
Step S203, based on the service handling instruction, finding out the ATM meeting the withdrawal requirement as a candidate ATM from a preset range away from the current position of the intelligent terminal;
wherein the withdrawal demand comprises at least: the ATM machine can be used normally.
In this embodiment, the mobile banking client can locate the intelligent terminal, that is, the current position of the user and the peripheral ATMs, and for the convenience of viewing by the user, the mobile banking client can locate the ATM capable of being normally used and the ATM incapable of being normally used by adopting different identifiers, for example, the ATM capable of being normally used displays green, and the ATM incapable of being normally used displays red.
And step S204, finding out the ATM closest to the intelligent terminal from the candidate ATMs as a target ATM, and recording the identification ID of the target ATM.
In order to shorten the time for a user to reach the ATM, the ATM closest to the intelligent terminal is taken as a target ATM.
To further optimize the embodiment shown in fig. 2, after step S204, the method may further include:
and outputting the position information of the target ATM and the route information from the current position of the intelligent terminal to the target ATM.
In conclusion, the invention not only realizes the card-free withdrawal by scanning the information code on the ATM by the mobile banking client in the intelligent terminal, solves the various defects existing in the simple dependence on the bank card for withdrawal, but also provides the ATM which is closest to the user and can be normally used for the user based on the position of the user, thereby effectively avoiding the inconvenience brought to the user because the business can not be handled due to the fault of the ATM.
In addition, in order to facilitate the user to arrive at the target ATM as soon as possible, the invention can also output the position information of the target ATM and the route information from the current position of the intelligent terminal to the target ATM on the intelligent terminal, thereby greatly improving the user experience.
When a user transacts a withdrawal service in an ATM, when the amount of money left in the ATM is insufficient, the user needs to search other ATM again according to ordinary life experience to transact the withdrawal service, but when the user finds other ATM, the amount of money left in the other ATM may not meet the withdrawal requirement of the user.
Therefore, when the service transacted by the user at the ATM is a withdrawal service, in the above embodiment, the service transaction instruction in step S202 further includes: the amount withdrawn;
correspondingly, the withdrawal requirement in step S203 may further include: the amount of withdrawal.
At this time, the candidate ATM machines meeting the withdrawal requirement are found out and simultaneously meet the following requirements: the ATM can be normally used, and the sum of money in the ATM is not lower than the withdrawal sum.
It should be noted that the invention can not only withdraw money without contact, but also deposit money without contact.
Therefore, to further optimize the above embodiment, after step S103, the method may further include:
acquiring a deposit instruction aiming at the target account;
triggering the ATM to open a deposit window;
acquiring the deposit amount generated by the ATM aiming at the bank notes placed by the user;
displaying the deposit amount on an interface of the mobile banking client;
and acquiring a confirmation instruction input by the user at the mobile banking client aiming at the deposit amount, and controlling the ATM to execute deposit operation.
In summary, according to the method for depositing and withdrawing money on the ATM disclosed by the present invention, the intelligent terminal logs in to the mobile banking client according to the mobile banking login instruction input by the user, scans the information code on the ATM by using the mobile banking client, establishes a wireless connection with the ATM, acquires the withdrawal instruction input by the user aiming at the target account associated with the mobile banking client, verifies the withdrawal password in the withdrawal instruction, further identifies the face image of the current withdrawal user after the withdrawal password is verified, and triggers the ATM to open the money outlet and execute the money dispensing operation after the face image is recognized. The invention uses the mobile phone bank client in the intelligent terminal to scan the information code on the ATM to realize the withdrawal without the card, thereby solving the defects existing in the withdrawal by only depending on the bank card.
In addition, the invention can realize the deposit without card on the ATM, thereby greatly improving the user experience.
Corresponding to the embodiment of the method, the invention also discloses an intelligent terminal.
Referring to fig. 3, an embodiment of the present invention discloses a structural schematic diagram of an intelligent terminal, where the intelligent terminal includes:
the login unit 301 is used for logging in to a mobile banking client according to a mobile banking login instruction input by a user;
the mobile banking login instruction may include: the mobile banking login account and the login password.
A connection establishing unit 302, configured to scan an information code on an ATM by using the mobile banking client, and establish a wireless connection with the ATM, where the ATM has a wireless communication module;
the information code on the ATM can be a bar code or a two-dimensional code, which is determined according to the actual requirement, and the invention is not limited herein.
In practical application, the intelligent terminal and the ATM can establish wireless connection through technologies such as bluetooth or wireless network, and the specific connection process can refer to the existing mature scheme, which is not described herein again.
The connection establishing unit 302 is specifically configured to:
scanning the information code by using the mobile banking client;
analyzing the information code to obtain the identification ID of the ATM;
and establishing wireless connection with the ATM based on the identification ID.
It should be noted that in practical applications, each ATM has a unique corresponding identification ID.
An account number obtaining unit 303, configured to obtain a target account number associated with the mobile banking client according to an account number selection instruction input by a user;
it can be understood that the same user may have more than one associated account in one bank, and therefore, before the depositing and withdrawing operation is performed, a target account needs to be selected from a plurality of accounts associated with the mobile banking client according to an account selection instruction input by the user.
A withdrawal instruction obtaining unit 304, configured to obtain a withdrawal instruction for the target account, where the withdrawal instruction includes a withdrawal amount and a withdrawal password;
the collecting unit 305 is used for collecting the face image of the current withdrawal user through the ATM after the withdrawal password passes the background verification;
it should be noted that the withdrawal password is a withdrawal password set for the target account, and the withdrawal password may be the same as the withdrawal password of the bank card corresponding to the target account.
In order to increase the safety of withdrawal, when the withdrawal password input by the user passes the verification, the invention also can identify the face image of the withdrawal user so as to further increase the safety of withdrawal.
A matching unit 306, configured to match the face image with a user image corresponding to the target account, and perform face recognition on a current withdrawal user;
it can be understood that when the bank makes an account for a target account, the identity card information of the user uniquely corresponding to the target account is stored, and the identity card information includes: the identification card number and the user image on the identification card, and therefore, one user image corresponding to one target account.
In this embodiment, the face image of the withdrawal user is matched with the user image corresponding to the target account, so that the face identification of the current withdrawal user is realized, and the withdrawal security is further improved.
And the cash-out triggering unit 307 is used for triggering the ATM to open a cash-out port and execute cash-out operation after the face image identification is passed.
After the collected face image passes the identification, the intelligent terminal triggers the ATM through the mobile banking client to open the cash outlet and execute the cash-out operation.
It should be noted that, after the face image recognition is passed, the intelligent terminal may also notify the user in the form of voice.
To sum up, the intelligent terminal disclosed by the invention logs in to a mobile banking client according to a mobile banking login instruction input by a user, scans an information code on an ATM by using the mobile banking client, establishes wireless connection with the ATM, acquires a withdrawal instruction input by the user aiming at a target account number associated with the mobile banking client, verifies a withdrawal password in the withdrawal instruction, further identifies a face image of a current withdrawal user after the withdrawal password is verified, and triggers the ATM to open a cash outlet and execute a cash dispensing operation after the face image is recognized. The invention uses the mobile phone bank client in the intelligent terminal to scan the information code on the ATM to realize the withdrawal without the card, thereby solving the defects existing in the withdrawal by only depending on the bank card.
In order to further optimize the above embodiment, the intelligent terminal may further include:
and the certificate generating unit is used for controlling the ATM to generate a withdrawal certificate after the ATM finishes the cash-out operation, and simultaneously recording withdrawal information at the mobile banking client.
The invention controls the ATM to generate the withdrawal certificate and records the withdrawal information at the mobile banking client so as to facilitate the user to check the withdrawal record.
In order to improve the efficiency of the user for transacting the business in the ATM, the invention can also reserve the business to be transacted on the ATM.
The connection establishing unit 302 is further specifically configured to:
matching the identification ID with the identification ID of the target ATM which has reserved service handling;
and when the identification ID is successfully matched, establishing wireless connection with the ATM.
The reserved service transaction can be reserved withdrawal or reserved deposit.
When a user needs to handle services in the ATM, if the user finds that the ATM fails and cannot handle the services after arriving at the ATM, the user needs to search other ATM again according to ordinary life experience, so that great inconvenience is brought to the user.
Thus, the target ATM tool of the above embodiments may be embodied as: a predetermined ATM machine capable of normal use.
Correspondingly, the intelligent terminal can also comprise: a target ATM determination unit;
the target ATM determination unit is specifically configured to:
logging in the mobile phone bank client according to the mobile phone bank login instruction input by the user;
acquiring a business handling instruction input by a user at the mobile banking client;
based on the service handling instruction, finding out the ATM meeting the withdrawal requirement as a candidate ATM from a preset range away from the current position of the intelligent terminal, wherein the withdrawal requirement at least comprises the following steps: the ATM can be normally used;
and finding out the ATM closest to the intelligent terminal from the candidate ATMs as a target ATM, and recording the identification ID of the target ATM.
In order to shorten the time for a user to reach the ATM, the ATM closest to the intelligent terminal is taken as a target ATM.
To further optimize the above embodiment, the target ATM determination unit is specifically adapted to
And outputting the position information of the target ATM and the route information from the current position of the intelligent terminal to the target ATM.
In conclusion, the invention not only realizes the card-free withdrawal by scanning the information code on the ATM by the mobile banking client in the intelligent terminal, solves the various defects existing in the simple dependence on the bank card for withdrawal, but also provides the ATM which is closest to the user and can be normally used for the user based on the position of the user, thereby effectively avoiding the inconvenience brought to the user because the business can not be handled due to the fault of the ATM.
In addition, in order to facilitate the user to arrive at the target ATM as soon as possible, the invention can also output the position information of the target ATM and the route information from the current position of the intelligent terminal to the target ATM on the intelligent terminal, thereby greatly improving the user experience.
When a user transacts a withdrawal service in an ATM, when the amount of money left in the ATM is insufficient, the user needs to search other ATM again according to ordinary life experience to transact the withdrawal service, but when the user finds other ATM, the amount of money left in the other ATM may not meet the withdrawal requirement of the user. Thus, finding candidate ATM machines that satisfy the withdrawal demand satisfies both: the ATM can be normally used, and the sum of money in the ATM is not lower than the withdrawal sum.
It should be noted that the invention can not only withdraw money without contact, but also deposit money without contact.
Therefore, to further optimize the above embodiment, the intelligent terminal may further include:
a deposit instruction, configured to obtain a deposit instruction for a target account associated with the mobile banking client after the account obtaining unit 303 obtains the target account according to an account selection instruction input by a user;
the window triggering unit is used for triggering the ATM to open a deposit window;
a deposit amount generating unit for acquiring a deposit amount generated by the ATM for banknotes placed by a user;
the display unit is used for displaying the deposit amount on an interface of the mobile banking client;
and the confirmation instruction acquisition unit is used for acquiring a confirmation instruction input by the user at the mobile banking client aiming at the deposit amount and controlling the ATM to execute deposit operation.
To sum up, the intelligent terminal disclosed by the invention logs in to a mobile banking client according to a mobile banking login instruction input by a user, scans an information code on an ATM by using the mobile banking client, establishes wireless connection with the ATM, acquires a withdrawal instruction input by the user aiming at a target account number associated with the mobile banking client, verifies a withdrawal password in the withdrawal instruction, further identifies a face image of a current withdrawal user after the withdrawal password is verified, and triggers the ATM to open a cash outlet and execute a cash dispensing operation after the face image is recognized. The invention uses the mobile phone bank client in the intelligent terminal to scan the information code on the ATM to realize the withdrawal without the card, thereby solving the defects existing in the withdrawal by only depending on the bank card.
In addition, the invention can realize the deposit without card on the ATM, thereby greatly improving the user experience.
It should be noted that, for the working principle of each component in the device embodiment, please refer to the corresponding part of the method embodiment, which is not described herein again.
Finally, it should also be 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 embodiments in the present description are described in a progressive manner, each embodiment focuses on differences from other embodiments, and the same and similar parts among the embodiments are referred to each other.
The previous description of the disclosed embodiments is provided to enable any person skilled in the art to make or use the present invention. 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 invention. Thus, the present invention 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 (14)
1. A method for depositing and withdrawing money on an ATM machine is applied to an intelligent terminal and comprises the following steps:
logging in a mobile phone bank client according to a mobile phone bank login instruction input by a user;
scanning an information code on an ATM by using the mobile banking client, and establishing wireless connection with the ATM, wherein the ATM is provided with a wireless communication module;
acquiring a target account number associated with the mobile banking client according to an account number selection instruction input by a user;
acquiring a withdrawal instruction aiming at the target account, wherein the withdrawal instruction comprises a withdrawal amount and a withdrawal password;
after the withdrawal password passes the background verification, acquiring a face image of a current withdrawal user through the ATM;
matching the face image with a user image corresponding to the target account, and carrying out face recognition on the current money withdrawing user;
and after the face image identification is passed, triggering the ATM to open the cash outlet and executing the cash-out operation.
2. The method according to claim 1, wherein the step of using the mobile banking client to scan the information code on the ATM and establish a wireless connection with the ATM comprises:
scanning the information code by using the mobile banking client;
analyzing the information code to obtain the identification ID of the ATM;
and establishing wireless connection with the ATM based on the identification ID.
3. The method according to claim 2, wherein said establishing a wireless connection with said ATM based on said identification ID comprises:
matching the identification ID with the identification ID of the target ATM which has reserved service handling;
and when the identification ID is successfully matched, establishing wireless connection with the ATM.
4. The method of claim 3 wherein the determination of the target ATM machine is:
logging in the mobile phone bank client according to the mobile phone bank login instruction input by the user;
acquiring a business handling instruction input by a user at the mobile banking client;
based on the service handling instruction, finding out the ATM meeting the withdrawal requirement as a candidate ATM from a preset range away from the current position of the intelligent terminal, wherein the withdrawal requirement at least comprises the following steps: the ATM can be normally used;
and finding out the ATM closest to the intelligent terminal from the candidate ATMs as a target ATM, and recording the identification ID of the target ATM.
5. The method of claim 4, further comprising:
and outputting the position information of the target ATM and the route information from the current position of the intelligent terminal to the target ATM.
6. The method of claim 1, further comprising:
and after the ATM executes the cash-out operation, controlling the ATM to generate a withdrawal certificate, and simultaneously recording withdrawal information at the mobile banking client.
7. The method according to claim 1, further comprising, after acquiring a target account associated with the mobile banking client according to an account selection instruction input by a user, the method further comprising:
acquiring a deposit instruction aiming at the target account;
triggering the ATM to open a deposit window;
acquiring the deposit amount generated by the ATM aiming at the bank notes placed by the user;
displaying the deposit amount on an interface of the mobile banking client;
and acquiring a confirmation instruction input by the user at the mobile banking client aiming at the deposit amount, and controlling the ATM to execute deposit operation.
8. An intelligent terminal, comprising:
the login unit is used for logging in to the mobile banking client according to a mobile banking login instruction input by a user;
the connection establishing unit is used for scanning information codes on an ATM by using the mobile banking client and establishing wireless connection with the ATM, wherein the ATM is provided with a wireless communication module;
the account acquisition unit is used for acquiring a target account related to the mobile banking client according to an account selection instruction input by a user;
a withdrawal instruction obtaining unit, configured to obtain a withdrawal instruction for the target account, where the withdrawal instruction includes a withdrawal amount and a withdrawal password;
the collection unit is used for collecting the face image of the current withdrawal user through the ATM after the withdrawal password passes the background verification;
the matching unit is used for matching the face image with a user image corresponding to the target account and carrying out face recognition on the current money withdrawing user;
and the cash-out triggering unit is used for triggering the ATM to open a cash-out port and execute cash-out operation after the face image identification is passed.
9. The intelligent terminal according to claim 8, wherein the connection establishing unit is specifically configured to:
scanning the information code by using the mobile banking client;
analyzing the information code to obtain the identification ID of the ATM;
and establishing wireless connection with the ATM based on the identification ID.
10. The intelligent terminal according to claim 9, wherein the connection establishing unit is further configured to:
matching the identification ID with the identification ID of the target ATM which has reserved service handling;
and when the identification ID is successfully matched, establishing wireless connection with the ATM.
11. The intelligent terminal of claim 10, further comprising: a target ATM determination unit;
the target ATM determination unit is specifically configured to:
logging in the mobile phone bank client according to the mobile phone bank login instruction input by the user;
acquiring a business handling instruction input by a user at the mobile banking client;
based on the service handling instruction, finding out the ATM meeting the withdrawal requirement as a candidate ATM from a preset range away from the current position of the intelligent terminal, wherein the withdrawal requirement at least comprises the following steps: the ATM can be normally used;
and finding out the ATM closest to the intelligent terminal from the candidate ATMs as a target ATM, and recording the identification ID of the target ATM.
12. The intelligent terminal according to claim 11, wherein the target ATM determination unit is further configured to:
and outputting the position information of the target ATM and the route information from the current position of the intelligent terminal to the target ATM.
13. The intelligent terminal of claim 8, further comprising:
and the certificate generating unit is used for controlling the ATM to generate a withdrawal certificate after the ATM finishes the cash-out operation, and simultaneously recording withdrawal information at the mobile banking client.
14. The intelligent terminal of claim 8, further comprising:
the deposit instruction is used for acquiring the deposit instruction aiming at a target account number associated with the mobile banking client after the account number acquisition unit acquires the target account number according to an account number selection instruction input by a user;
the window triggering unit is used for triggering the ATM to open a deposit window;
a deposit amount generating unit for acquiring a deposit amount generated by the ATM for banknotes placed by a user;
the display unit is used for displaying the deposit amount on an interface of the mobile banking client;
and the confirmation instruction acquisition unit is used for acquiring a confirmation instruction input by the user at the mobile banking client aiming at the deposit amount and controlling the ATM to execute deposit operation.
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| CN202010534329.1A CN111640266A (en) | 2020-06-11 | 2020-06-11 | Method for depositing and withdrawing money on ATM and intelligent terminal |
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