CN112820041A - Automatic depositing and withdrawing method, device, equipment and storage medium - Google Patents
Automatic depositing and withdrawing method, device, equipment and storage medium Download PDFInfo
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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
- 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
- G06F21/32—User authentication using biometric data, e.g. fingerprints, iris scans or voiceprints
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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
- G06F21/45—Structures or tools for the administration of authentication
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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 application provides an automatic depositing and withdrawing method, device, equipment and storage medium. The method is applied to automatic depositing and withdrawing equipment, the automatic depositing and withdrawing equipment comprises an identity acquisition device, an input device and an execution mechanism, and the method comprises the following steps: acquiring a user identifier; receiving identity information to be identified sent by the identity acquisition device; detecting whether the identity information to be identified is authenticated identity information corresponding to the user identification; when the identity information to be recognized is authenticated identity information corresponding to the user identification, displaying account information corresponding to the user identification, and receiving user operation information sent by the input device; and controlling the executing mechanism to execute the operation corresponding to the user operation information. On one hand, the identity of the user is identified through the body side collecting device, so that a safer depositing and withdrawing mode is provided for the user; on the other hand, other articles such as cards are not needed, so that the operation is more convenient.
Description
Technical Field
The present application relates to the field of identity authentication technologies, and in particular, to a method, an apparatus, a device, and a storage medium for automatic teller machine (atm).
Background
The traditional bank withdrawal system needs to firstly read a user bank card, and then carry out a series of operations of inquiring, withdrawing money, transferring accounts and the like on accounts corresponding to card numbers after a user inputs a password. This method requires that the user must carry the bank card first, and is inconvenient for emergency withdrawal when the bank card is lost or not carried.
In the related art, the hand vein recognition technology is a new biometric feature recognition technology. The heme of the red blood cells in the veins of the human body is the reducing heme of oxygen, and the reducing heme can absorb near infrared rays, so that only the vein part can be slightly reflected when the near infrared rays are irradiated, and a vein line image is formed. Medical research proves that the shape of the hand pulse has uniqueness and stability.
Therefore, how to better apply the hand vein recognition technology to the automatic teller machine to realize a safer teller method becomes a problem to be considered by technicians.
Disclosure of Invention
The application aims to provide an automatic depositing and withdrawing method, device, equipment and storage medium, and realize a safer and more convenient depositing and withdrawing mode.
The purpose of the application is realized by adopting the following technical scheme:
in a first aspect, the present application provides an automatic teller machine, which includes an identity acquisition device, an input device, and an execution mechanism, and includes: acquiring a user identifier, wherein the user identifier is sent by the input device, or the user identifier is sent by a card reading device; receiving identity information to be identified sent by the identity acquisition device; detecting whether the identity information to be identified is authenticated identity information corresponding to the user identification; when the identity information to be recognized is authenticated identity information corresponding to the user identification, displaying account information corresponding to the user identification, and receiving user operation information sent by the input device; and controlling the executing mechanism to execute the operation corresponding to the user operation information. The technical scheme has the advantages that on one hand, the identity of the user is identified through the body side collecting device, so that a safer depositing and withdrawing mode is provided for the user; on the other hand, the user can complete the following operation by inputting the user identification through the input device, so that other articles such as cards are not needed, and the operation is more convenient.
In some optional embodiments, the user identification comprises at least one of: name, identification card number, mobile phone number and social security card number. The technical scheme has the advantages that more choices can be provided for the user through various ways of carrying out identity identification.
In some optional embodiments, the identity acquisition device is a vein acquisition device, and the identity information to be identified is vein image information. The technical scheme has the beneficial effects that the identity is identified through the vein acquisition device, so that the identity can be identified more accurately and safely.
In some optional embodiments, the controlling the execution mechanism to execute the operation corresponding to the user operation information includes: sending a first verification identifier to user equipment corresponding to the user identifier; receiving a first to-be-identified verification identifier sent by the input device; and when the first to-be-identified verification identifier is matched with the first verification identifier, controlling the execution mechanism to execute the operation corresponding to the user operation information. The technical scheme has the beneficial effects that higher account security can be provided for the user by verifying before the user performs specific operation.
In some optional embodiments, the method further comprises: when the first to-be-identified verification identifier is not matched with the first verification identifier, sending a second verification identifier to user equipment corresponding to the user identifier; receiving a second to-be-identified verification identifier sent by the input device; when the second to-be-identified verification identifier is not matched with the second verification identifier, sending a third verification identifier to the user equipment corresponding to the user identifier; receiving a third to-be-identified verification identifier sent by the input device; and when the third to-be-identified verification identifier is not matched with the third verification identifier, freezing the account corresponding to the user identifier for a preset time. The technical scheme has the beneficial effects that the account of the user can be protected more safely by freezing the account when the verification passes for multiple times.
In some optional embodiments, the method further comprises: acquiring the user identification and the identity information; and binding the user identification and the identity information, and determining the identity information as authenticated identity information corresponding to the user identification. The technical scheme has the advantages that more convenient service can be provided for the user to deposit and withdraw money later by registering and binding the user information.
In some optional embodiments, the detecting whether the identity information to be recognized is authenticated identity information corresponding to the user identifier includes: acquiring a registration state corresponding to the user identifier; and when the registration state is registered, detecting whether the identity information to be identified is authenticated identity information corresponding to the user identification. The technical scheme has the beneficial effects that whether the user has misoperation or not can be found in time by inquiring the registration state.
In a second aspect, the present application provides an automatic teller machine, applied to an automatic teller machine, the automatic teller machine comprising an identity acquisition device, an input device and an execution mechanism, the device comprising: the identification acquisition module is used for acquiring a user identification, wherein the user identification is sent by the input device, or the user identification is sent by a card reading device; the identity acquisition module is used for receiving the identity information to be identified sent by the identity acquisition device; the identity detection module is used for detecting whether the identity information to be identified is authenticated identity information corresponding to the user identification; the operation information receiving module is used for displaying the account information corresponding to the user identifier and receiving the user operation information sent by the input device when the identity information to be identified is the authenticated identity information corresponding to the user identifier; and the operation information execution module is used for controlling the execution mechanism to execute the operation corresponding to the user operation information.
In some optional embodiments, the identity acquisition module comprises at least one of: the system comprises a name acquisition unit, an identity card number acquisition unit, a mobile phone number acquisition unit and a social security card number acquisition unit.
In some optional embodiments, the identity acquisition device is a vein acquisition device, and the identity information to be identified is vein image information.
In some optional embodiments, the operation information performing module includes: a first verification sending unit, configured to send a first verification identifier to a user equipment corresponding to the user identifier; the first verification receiving unit is used for receiving a first to-be-recognized verification identifier sent by the input device; and the first verification matching unit is used for controlling the execution mechanism to execute the operation corresponding to the user operation information when the first to-be-identified verification identifier is matched with the first verification identifier.
In some optional embodiments, the apparatus further comprises: the second verification sending module is used for sending a second verification identifier to the user equipment corresponding to the user identifier when the first to-be-recognized verification identifier is not matched with the first verification identifier; the second verification receiving module is used for receiving a second verification identifier to be recognized sent by the input device; a third verification sending module, configured to send a third verification identifier to the user equipment corresponding to the user identifier when the second to-be-recognized verification identifier is not matched with the second verification identifier; the third verification receiving module is used for receiving a third verification identifier to be recognized sent by the input device; and the freezing module is used for freezing the account corresponding to the user identifier for a preset time when the third to-be-identified verification identifier is not matched with the third verification identifier.
In some optional embodiments, the apparatus further comprises: the registration module is used for acquiring the user identification and the identity information; and the binding module is used for binding the user identifier and the identity information and determining the identity information as authenticated identity information corresponding to the user identifier.
In some optional embodiments, the identity detection module comprises: a registration state obtaining unit, configured to obtain a registration state corresponding to the user identifier; and the identity recognition unit is used for detecting whether the identity information to be recognized is authenticated identity information corresponding to the user identification or not when the registration state is registered.
In a third aspect, the present application provides an automated teller machine comprising an identity acquisition device, an input device, and an execution mechanism, the automated teller machine further comprising a memory storing a computer program and a processor implementing the steps of any of the methods described above when the processor executes the computer program.
In some alternative embodiments, the identification device is a vein recognition device.
In some alternative embodiments, the input device is a touch screen.
In some optional embodiments, the automated teller machine further includes a camera.
In some optional embodiments, the automated teller machine further includes a keyboard.
In a fourth aspect, the present application provides a computer-readable storage medium storing a computer program which, when executed by a processor, implements the steps of any of the methods described above.
Drawings
The present application is further described below with reference to the drawings and examples.
FIG. 1 is a schematic flow chart illustrating an automated teller machine according to an exemplary embodiment of the present disclosure;
fig. 2 is a schematic flowchart of detecting identity information to be identified according to an embodiment of the present application;
FIG. 3 is a schematic flowchart illustrating a process for performing a user operation according to an embodiment of the present disclosure;
FIG. 4 is a schematic flow chart illustrating an automated teller machine according to an exemplary embodiment of the present disclosure;
FIG. 5 is a schematic flow chart illustrating an automated teller machine according to an exemplary embodiment of the present disclosure;
FIG. 6 is a schematic structural diagram of an automated teller machine according to an exemplary embodiment of the present disclosure;
fig. 7 is a schematic structural diagram of an identifier obtaining module according to an embodiment of the present application;
fig. 8 is a schematic structural diagram of an operation information execution module according to an embodiment of the present application;
FIG. 9 is a schematic structural diagram of an automated teller machine according to an exemplary embodiment of the present disclosure;
FIG. 10 is a schematic structural diagram of an automated teller machine according to an exemplary embodiment of the present disclosure;
fig. 11 is a schematic structural diagram of an identity detection module according to an embodiment of the present application;
FIG. 12 is a schematic structural diagram of an automated teller machine according to an embodiment of the present disclosure;
FIG. 13 is a schematic structural diagram of an automated teller machine according to an embodiment of the present disclosure;
fig. 14 is a schematic structural diagram of a program product for implementing the control method according to an embodiment of the present application.
Detailed Description
The present application is further described with reference to the accompanying drawings and the detailed description, and it should be noted that, in the present application, the embodiments or technical features described below may be arbitrarily combined to form a new embodiment without conflict.
Referring to FIG. 1, the embodiment of the application provides an automatic depositing and withdrawing method, which is applied to automatic depositing and withdrawing equipment, wherein the automatic depositing and withdrawing equipment comprises an identity acquisition device, an input device and an execution mechanism, and the method comprises steps S101-S105.
Step S101: and acquiring a user identification, wherein the user identification is sent by the input device, or the user identification is sent by a card reading device. In particular, the user identification may be obtained by a variety of means, wherein cardless operation may be achieved by user input into the account.
In a specific implementation, the user identifier in step S101 includes at least one of the following: name, identification card number, mobile phone number and social security card number. Specifically, the user may be an account identifier as long as the identifier has a unique identification function. And thus is not particularly limited and the account may be selected from a list based on user preferences.
The steps of the embodiment of the application can provide more choices for the user through various ways of carrying out identity identification.
Step S102: and receiving the identity information to be identified sent by the identity acquisition device. Specifically, after an account number is input, the input account number is confirmed by an identity acquisition device. Therefore, the password input process is directly replaced, and the login is more convenient, faster and safer.
In a specific implementation, in step S102, the identity acquisition device may be a vein acquisition device, and the identity information to be recognized may be vein image information. The above-mentioned step of this application embodiment, through vein collection system come the discernment identity, can be more accurate and safe carry out identification.
Step S103: and detecting whether the identity information to be identified is authenticated identity information corresponding to the user identification. Specifically, the user may compare the authentication information stored in advance, so as to determine whether the account and the identity of the user are consistent.
In a specific implementation, referring to fig. 2, the step S103 may include steps S201 to S202.
Step S201: and acquiring a registration state corresponding to the user identifier. Specifically, after receiving the user identifier, the user identifier may be searched for from the management terminal through the network. If the user identification can be found, it can be determined that the user identification is a registered user.
Step S202: and when the registration state is registered, detecting whether the identity information to be identified is authenticated identity information corresponding to the user identification. Specifically, after the user identifier is found, the identity information to be identified may be received and compared with the identity information stored in the user identifier to determine the identity of the user.
The steps of the embodiment of the application can find whether the user has misoperation in time by inquiring the registration state.
Step S104: and when the identity information to be recognized is authenticated identity information corresponding to the user identification, displaying account information corresponding to the user identification, and receiving user operation information sent by the input device. Specifically, the user operation information may be an operation of depositing and withdrawing money, or an operation such as a transfer. Mainly relating to money-related operations.
Step S105: and controlling the executing mechanism to execute the operation corresponding to the user operation information. Specifically, after the steps are confirmed, the operation to be performed by the user can be completed.
In a specific implementation, referring to fig. 3, the step S105 may include S301 to S303.
Step S301: and sending a first verification identifier to user equipment corresponding to the user identifier. Specifically, when the user is found to perform the operation related to the account deposit, the operation is verified again, and the operation safety is ensured.
Step S302: and receiving a first to-be-identified verification identifier sent by the input device. Specifically, the user may input the received first authentication identification to the input device, thereby completing the authentication process.
Step S303: and when the first to-be-identified verification identifier is matched with the first verification identifier, controlling the execution mechanism to execute the operation corresponding to the user operation information. In particular, the user equipment may be a user mobile terminal, such as a mobile phone. Or may be a dedicated authentication device such as a U-shield.
According to the steps of the embodiment of the application, the user can be provided with higher account security by verifying before the user performs specific operation.
According to the method, on one hand, the identity of the user is identified through the body side collecting device, so that a safer depositing and withdrawing mode is provided for the user; on the other hand, the user can complete the following operation by inputting the user identification through the input device, so that other articles such as cards are not needed, and the operation is more convenient.
With reference to fig. 4, an embodiment of the present application further provides an automatic depositing and withdrawing method, where the method includes: steps S101 to S104, S301 to S302, and S106 to S110.
Step S106: and when the first to-be-identified verification identifier is not matched with the first verification identifier, sending a second verification identifier to the user equipment corresponding to the user identifier. Specifically, when the first time is unsuccessful, the verification identifier is sent again, so that the phenomenon of misoperation during the first time of input is avoided.
Step S107: and receiving a second verification identification to be identified sent by the input device.
Step S108: and when the second to-be-identified verification identifier is not matched with the second verification identifier, sending a third verification identifier to the user equipment corresponding to the user identifier. Specifically, when the second time of input is unsuccessful, the verification identifier is sent again, so that the phenomenon of misoperation during the second time of input is avoided.
Step S109: and receiving a third to-be-identified verification identifier sent by the input device.
Step S110: and when the third to-be-identified verification identifier is not matched with the third verification identifier, freezing the account corresponding to the user identifier for a preset time. Specifically, if the verification is unsuccessful for three times, the account is likely to be abnormal, and the account is blocked for a certain time to ensure the safety of the account, specifically, the time may be 2 hours.
According to the method, the account is frozen when the verification passes for multiple times, so that the account of the user can be protected more safely.
With reference to fig. 5, an embodiment of the present application further provides an automatic depositing and withdrawing method, where the method includes: steps S101 to S105, S111, and S112.
Step S111: and acquiring the user identification and the identity information. Specifically, for the convenience of subsequent operations and the realization of password-free card-free deposit and withdrawal, the user should be registered in advance and the user identification and identity information should be obtained at the same time. The vein information data may be collected after registering the account.
Step S112: and binding the user identification and the identity information, and determining the identity information as authenticated identity information corresponding to the user identification. Specifically, the collected identity information is stored under the name of the user identifier so as to be compared when the user logs in.
According to the method, the user information is registered and bound, and more convenient and faster service can be provided for the user when depositing and withdrawing money later.
Referring to fig. 6 to 13, an embodiment of the present application further provides an automatic teller machine, and a specific implementation manner of the automatic teller machine is consistent with the implementation manner and the achieved technical effect described in the embodiment of the foregoing method, and a part of the contents are not described again.
The automated teller device is applied to an automated teller machine 200, the automated teller machine 200 including an identity acquisition device 400, an input device 500, and an actuator, the automated teller device including:
an identifier obtaining module 101, configured to obtain a user identifier, where the user identifier is sent by the input device, or the user identifier is sent by a card reading device;
the identity acquisition module 102 is configured to receive identity information to be identified, which is sent by the identity acquisition device;
the identity detection module 103 is configured to detect whether the identity information to be identified is authenticated identity information corresponding to the user identifier;
an operation information receiving module 104, configured to display account information corresponding to the user identifier and receive user operation information sent by the input device when the to-be-identified identity information is authenticated identity information corresponding to the user identifier;
and an operation information executing module 105, configured to control the executing mechanism to execute an operation corresponding to the user operation information.
Referring to fig. 7, in some optional embodiments, the identity acquisition module 101 may include at least one of: a name acquisition unit 1011, an identification number acquisition unit 1012, a mobile phone number acquisition unit 1013, and a social security number acquisition unit 1014.
In some optional embodiments, the identity acquisition device 400 is a vein acquisition device, and the identity information to be identified is vein image information.
Referring to fig. 8, in some optional embodiments, the operation information performing module 105 may include:
a first verification sending unit 1051, configured to send a first verification identifier to a user equipment corresponding to the user identifier;
a first verification receiving unit 1052, configured to receive a first to-be-recognized verification identifier sent by the input apparatus;
a first verification matching unit 1053, configured to control the execution mechanism to execute an operation corresponding to the user operation information when the first to-be-recognized verification identifier matches the first verification identifier.
Referring to fig. 9, in some optional embodiments, the apparatus may further include:
a second verification sending module 106, configured to send a second verification identifier to the user equipment corresponding to the user identifier when the first to-be-recognized verification identifier is not matched with the first verification identifier;
a second verification receiving module 107, configured to receive a second verification identifier to be recognized, sent by the input device;
a third verification sending module 108, configured to send a third verification identifier to the user equipment corresponding to the user identifier when the second to-be-recognized verification identifier is not matched with the second verification identifier;
a third verification receiving module 109, configured to receive a third to-be-recognized verification identifier sent by the input device;
the freezing module 110 is configured to freeze the account corresponding to the user identifier for a preset time when the third to-be-identified verification identifier is not matched with the third verification identifier.
Referring to fig. 10, in some optional embodiments, the apparatus may further include:
a registration module 111, configured to obtain the user identifier and the identity information;
a binding module 112, configured to bind the user identifier and the identity information, and determine that the identity information is authenticated identity information corresponding to the user identifier.
Referring to fig. 11, in some optional embodiments, the identity detection module 103 may include:
a registration status obtaining unit 1031, configured to obtain a registration status corresponding to the user identifier;
an identity recognition unit 1032, configured to detect whether the identity information to be recognized is authenticated identity information corresponding to the user identifier when the registration status is registered.
Referring to FIG. 12, an embodiment of the present application also provides an automated teller machine 200, where the automated teller machine 200 includes an identity acquisition device 400, an input device 500, and an execution mechanism, and the automated teller machine 200 further includes at least one memory 210, at least one processor 220, and a bus 230 connecting different platform systems.
The memory 210 may include readable media in the form of volatile memory, such as Random Access Memory (RAM)211 and/or cache memory 212, and may further include Read Only Memory (ROM) 213.
The memory 210 further stores a computer program, and the computer program can be executed by the processor 220, so that the processor 220 executes the steps of the type selection method in the embodiment of the present application, and the specific implementation manner of the method is consistent with the implementation manner and the achieved technical effect described in the embodiment of the automatic teller machine, and some contents are not described again.
Accordingly, processor 220 may execute the computer programs described above, as well as may execute programs/utilities 214.
The automated teller device 200 may also communicate with one or more external devices 240, such as a keyboard, pointing device, Bluetooth device, etc., and may also communicate with one or more devices capable of interacting with the automated teller device 200 and/or any device (e.g., router, modem, etc.) that enables the automated teller device 200 to communicate with one or more other computing devices. Such communication may occur via an input/output (I/O) interface 250. Also, the automated teller device 200 may also communicate with one or more networks (e.g., a Local Area Network (LAN), a Wide Area Network (WAN), and/or a public network such as the Internet) through the network adapter 260. The network adapter 260 may communicate with the other modules of the automated teller device 200 through the bus 230. It should be appreciated that, although not shown in the figures, other hardware and/or software modules may be used in conjunction with automated teller device 200, including but not limited to: microcode, device drivers, redundant processors, external disk drive arrays, RAID systems, tape drives, and data backup storage platforms, to name a few.
Referring to fig. 13, in some alternative embodiments, the identification device 400 may be a vein recognition device.
Referring to fig. 13, in some alternative embodiments, the input device 500 may be a touch screen.
Referring to FIG. 13, in some alternative embodiments, the automated teller machine may further include a camera 600.
Referring to FIG. 13, in some alternative embodiments, the automated teller device may also include a keyboard 700.
The embodiment of the present application further provides a computer-readable storage medium, where the computer-readable storage medium is used for storing a computer program, and when the computer program is executed, the steps of the automatic deposit and withdrawal method in the embodiment of the present application are implemented, and a specific implementation manner of the method is consistent with the implementation manner and the achieved technical effect described in the embodiment of the automatic deposit and withdrawal method, and some contents are not described again.
Fig. 14 shows a program product 300 provided by the present embodiment for implementing the method, which may employ a portable compact disc read only memory (CD-ROM) and include program codes, and may be run on a terminal device, such as a personal computer. However, the program product 300 of the present invention is not so limited, and in this document, a readable storage medium may be any tangible medium that can contain, or store a program for use by or in connection with an instruction execution system, apparatus, or device. Program product 300 may employ any combination of one or more readable media. The readable medium may be a readable signal medium or a readable storage medium. A readable storage medium may be, for example, but not limited to, an electronic, magnetic, optical, electromagnetic, infrared, or semiconductor system, apparatus, or device, or any combination of the foregoing. More specific examples (a non-exhaustive list) of the readable storage medium include: an electrical connection having one or more wires, a portable disk, a hard disk, a Random Access Memory (RAM), a read-only memory (ROM), an erasable programmable read-only memory (EPROM or flash memory), an optical fiber, a portable compact disc read-only memory (CD-ROM), an optical storage device, a magnetic storage device, or any suitable combination of the foregoing.
A computer readable storage medium may include a propagated data signal with readable program code embodied therein, for example, in baseband or as part of a carrier wave. Such a propagated data signal may take many forms, including, but not limited to, electro-magnetic, optical, or any suitable combination thereof. A readable storage medium may also be any readable medium that is not a readable storage medium and that can communicate, propagate, or transport a program for use by or in connection with an instruction execution system, apparatus, or device. Program code embodied on a readable storage medium may be transmitted using any appropriate medium, including but not limited to wireless, wireline, optical fiber cable, RF, etc., or any suitable combination of the foregoing. Program code for carrying out operations for aspects of the present invention may be written in any combination of one or more programming languages, including an object oriented programming language such as Java, C + + or the like and conventional procedural programming languages, such as the "C" programming language or similar programming languages. The program code may execute entirely on the user's computing device, partly on the user's device, as a stand-alone software package, partly on the user's computing device and partly on a remote computing device, or entirely on the remote computing device or server. In the case of a remote computing device, the remote computing device may be connected to the user computing device through any kind of network, including a Local Area Network (LAN) or a Wide Area Network (WAN), or may be connected to an external computing device (e.g., through the internet using an internet service provider).
The foregoing description and drawings are only for purposes of illustrating the preferred embodiments of the present application and are not intended to limit the present application, which is, therefore, to the contrary, the intention is to cover all modifications, equivalents, and alternatives falling within the spirit and scope of the present application.
Claims (16)
1. An automatic depositing and withdrawing method is applied to automatic depositing and withdrawing equipment, the automatic depositing and withdrawing equipment comprises an identity acquisition device, an input device and an execution mechanism, and the method comprises the following steps:
acquiring a user identifier, wherein the user identifier is sent by the input device, or the user identifier is sent by a card reading device;
receiving identity information to be identified sent by the identity acquisition device;
detecting whether the identity information to be identified is authenticated identity information corresponding to the user identification;
when the identity information to be recognized is authenticated identity information corresponding to the user identification, displaying account information corresponding to the user identification, and receiving user operation information sent by the input device;
and controlling the executing mechanism to execute the operation corresponding to the user operation information.
2. The method of claim 1, wherein the user identifier comprises at least one of: name, identification card number, mobile phone number and social security card number.
3. The method of claim 1, wherein the identity capture device is a vein capture device and the identity information to be identified is vein image information.
4. The method according to claim 1, wherein the controlling the actuator to execute the operation corresponding to the user operation information includes:
sending a first verification identifier to user equipment corresponding to the user identifier;
receiving a first to-be-identified verification identifier sent by the input device;
and when the first to-be-identified verification identifier is matched with the first verification identifier, controlling the execution mechanism to execute the operation corresponding to the user operation information.
5. The method of claim 4, further comprising:
when the first to-be-identified verification identifier is not matched with the first verification identifier, sending a second verification identifier to user equipment corresponding to the user identifier;
receiving a second to-be-identified verification identifier sent by the input device;
when the second to-be-identified verification identifier is not matched with the second verification identifier, sending a third verification identifier to the user equipment corresponding to the user identifier;
receiving a third to-be-identified verification identifier sent by the input device;
and when the third to-be-identified verification identifier is not matched with the third verification identifier, freezing the account corresponding to the user identifier for a preset time.
6. The method according to any one of claims 1 to 5, further comprising:
acquiring the user identification and the identity information;
and binding the user identification and the identity information, and determining the identity information as authenticated identity information corresponding to the user identification.
7. The method according to any one of claims 1 to 5, wherein the detecting whether the identity information to be recognized is authenticated identity information corresponding to the user identifier comprises:
acquiring a registration state corresponding to the user identifier;
and when the registration state is registered, detecting whether the identity information to be identified is authenticated identity information corresponding to the user identification.
8. An automatic teller machine applied to an automatic teller machine including an identity acquisition device, an input device, and an actuator, the automatic teller machine comprising:
the identification acquisition module is used for acquiring a user identification, wherein the user identification is sent by the input device, or the user identification is sent by a card reading device;
the identity acquisition module is used for receiving the identity information to be identified sent by the identity acquisition device;
the identity detection module is used for detecting whether the identity information to be identified is authenticated identity information corresponding to the user identification;
the operation information receiving module is used for displaying the account information corresponding to the user identifier and receiving the user operation information sent by the input device when the identity information to be identified is the authenticated identity information corresponding to the user identifier;
and the operation information execution module is used for controlling the execution mechanism to execute the operation corresponding to the user operation information.
9. The apparatus of claim 8, wherein the identity acquisition module comprises at least one of: the system comprises a name acquisition unit, an identity card number acquisition unit, a mobile phone number acquisition unit and a social security card number acquisition unit.
10. The apparatus of claim 8, wherein the identity acquisition device is a vein acquisition device, and the identity information to be identified is vein image information.
11. The apparatus of claim 8, wherein the operation information performing module comprises:
a first verification sending unit, configured to send a first verification identifier to a user equipment corresponding to the user identifier;
the first verification receiving unit is used for receiving a first to-be-recognized verification identifier sent by the input device;
and the first verification matching unit is used for controlling the execution mechanism to execute the operation corresponding to the user operation information when the first to-be-identified verification identifier is matched with the first verification identifier.
12. The apparatus of claim 11, further comprising:
the second verification sending module is used for sending a second verification identifier to the user equipment corresponding to the user identifier when the first to-be-recognized verification identifier is not matched with the first verification identifier;
the second verification receiving module is used for receiving a second verification identifier to be recognized sent by the input device;
a third verification sending module, configured to send a third verification identifier to the user equipment corresponding to the user identifier when the second to-be-recognized verification identifier is not matched with the second verification identifier;
the third verification receiving module is used for receiving a third verification identifier to be recognized sent by the input device;
and the freezing module is used for freezing the account corresponding to the user identifier for a preset time when the third to-be-identified verification identifier is not matched with the third verification identifier.
13. The apparatus of any one of claims 8 to 12, further comprising:
the registration module is used for acquiring the user identification and the identity information;
and the binding module is used for binding the user identifier and the identity information and determining the identity information as authenticated identity information corresponding to the user identifier.
14. The apparatus according to any one of claims 8 to 12, wherein the identity detection module comprises:
a registration state obtaining unit, configured to obtain a registration state corresponding to the user identifier;
and the identity recognition unit is used for detecting whether the identity information to be recognized is authenticated identity information corresponding to the user identification or not when the registration state is registered.
15. An automatic teller machine, characterized in that the automatic teller machine comprises an identity acquisition device, an input device and an execution mechanism;
the automated teller machine further comprises a memory storing a computer program and a processor implementing the steps of the method according to any one of claims 1 to 7 when the processor executes the computer program.
16. A computer-readable storage medium, in which a computer program is stored which, when being executed by a processor, carries out the steps of the method according to any one of claims 1 to 7.
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