CN115457711A - Withdrawal system and withdrawal method - Google Patents
Withdrawal system and withdrawal method Download PDFInfo
- Publication number
- CN115457711A CN115457711A CN202211070756.4A CN202211070756A CN115457711A CN 115457711 A CN115457711 A CN 115457711A CN 202211070756 A CN202211070756 A CN 202211070756A CN 115457711 A CN115457711 A CN 115457711A
- Authority
- CN
- China
- Prior art keywords
- biological characteristics
- bank card
- withdrawal
- card information
- biological
- Prior art date
- Legal status (The legal status is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the status listed.)
- Pending
Links
- 238000000034 method Methods 0.000 title claims abstract description 50
- 238000013459 approach Methods 0.000 claims abstract description 16
- 239000000284 extract Substances 0.000 claims abstract description 8
- 230000003993 interaction Effects 0.000 claims description 3
- 230000006870 function Effects 0.000 description 18
- 230000008569 process Effects 0.000 description 17
- 238000004891 communication Methods 0.000 description 14
- 238000010586 diagram Methods 0.000 description 9
- 238000000605 extraction Methods 0.000 description 4
- 230000009471 action Effects 0.000 description 3
- 238000012545 processing Methods 0.000 description 2
- 230000005540 biological transmission Effects 0.000 description 1
- 238000001514 detection method Methods 0.000 description 1
- 230000006698 induction Effects 0.000 description 1
- 238000003780 insertion Methods 0.000 description 1
- 230000037431 insertion Effects 0.000 description 1
- 238000012986 modification Methods 0.000 description 1
- 230000004048 modification Effects 0.000 description 1
- 230000000750 progressive effect Effects 0.000 description 1
- 230000001960 triggered effect Effects 0.000 description 1
Images
Classifications
-
- 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
-
- 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]
-
- 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]
- G07F19/206—Software aspects at ATMs
-
- 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]
- G07F19/209—Monitoring, auditing or diagnose of functioning of ATMs
-
- G—PHYSICS
- G07—CHECKING-DEVICES
- G07F—COIN-FREED OR LIKE APPARATUS
- G07F19/00—Complete banking systems; Coded card-freed arrangements adapted for dispensing or receiving monies or the like and posting such transactions to existing accounts, e.g. automatic teller machines
- G07F19/20—Automatic teller machines [ATMs]
- G07F19/211—Software architecture within ATMs or in relation to the ATM network
-
- H—ELECTRICITY
- H04—ELECTRIC COMMUNICATION TECHNIQUE
- H04L—TRANSMISSION OF DIGITAL INFORMATION, e.g. TELEGRAPHIC COMMUNICATION
- H04L63/00—Network architectures or network communication protocols for network security
- H04L63/08—Network architectures or network communication protocols for network security for authentication of entities
- H04L63/0861—Network architectures or network communication protocols for network security for authentication of entities using biometrical features, e.g. fingerprint, retina-scan
-
- H—ELECTRICITY
- H04—ELECTRIC COMMUNICATION TECHNIQUE
- H04W—WIRELESS COMMUNICATION NETWORKS
- H04W12/00—Security arrangements; Authentication; Protecting privacy or anonymity
- H04W12/06—Authentication
-
- H—ELECTRICITY
- H04—ELECTRIC COMMUNICATION TECHNIQUE
- H04W—WIRELESS COMMUNICATION NETWORKS
- H04W12/00—Security arrangements; Authentication; Protecting privacy or anonymity
- H04W12/40—Security arrangements using identity modules
- H04W12/47—Security arrangements using identity modules using near field communication [NFC] or radio frequency identification [RFID] modules
-
- H—ELECTRICITY
- H04—ELECTRIC COMMUNICATION TECHNIQUE
- H04W—WIRELESS COMMUNICATION NETWORKS
- H04W12/00—Security arrangements; Authentication; Protecting privacy or anonymity
- H04W12/40—Security arrangements using identity modules
- H04W12/48—Security arrangements using identity modules using secure binding, e.g. securely binding identity modules to devices, services or applications
-
- H—ELECTRICITY
- H04—ELECTRIC COMMUNICATION TECHNIQUE
- H04W—WIRELESS COMMUNICATION NETWORKS
- H04W12/00—Security arrangements; Authentication; Protecting privacy or anonymity
- H04W12/60—Context-dependent security
- H04W12/69—Identity-dependent
Landscapes
- Engineering & Computer Science (AREA)
- Computer Security & Cryptography (AREA)
- Business, Economics & Management (AREA)
- Accounting & Taxation (AREA)
- General Physics & Mathematics (AREA)
- Computer Networks & Wireless Communication (AREA)
- Signal Processing (AREA)
- Finance (AREA)
- Physics & Mathematics (AREA)
- Software Systems (AREA)
- Health & Medical Sciences (AREA)
- Biomedical Technology (AREA)
- General Health & Medical Sciences (AREA)
- Computer Hardware Design (AREA)
- Computing Systems (AREA)
- General Engineering & Computer Science (AREA)
- Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)
Abstract
The application discloses a withdrawal system and a withdrawal method, the withdrawal system comprises a mobile terminal with an NFC function and an ATM system, when the mobile terminal approaches, the ATM system reads bank card information bound by the NFC of the mobile terminal, based on stored biological characteristics and bank card information associated with the stored biological characteristics, biological characteristics corresponding to a user corresponding to the read bank card information are determined to be used as target biological characteristics, the target biological characteristics are sent to the mobile terminal, the mobile terminal collects the biological information of the user, extracts the biological characteristics from the biological information, matches the extracted biological characteristics with the target biological characteristics, if matching is successful, indication information of successful matching is sent to the ATM system, and when the ATM system receives the indication information of successful matching, a withdrawal interface is displayed so that the user can input a withdrawal amount to withdraw money on the withdrawal interface. The method and the device can realize withdrawal without inputting the password by the user, and can be applied to the financial field or other fields.
Description
Technical Field
The invention relates to the technical field of withdrawal, in particular to a withdrawal system and a withdrawal method.
Background
At present, there are many withdrawal modes, such as card insertion withdrawal mode, code scanning withdrawal mode, etc.
The card inserting and withdrawing mode is that a user inserts a bank card into an ATM, the ATM displays a password input interface, the user inputs a correct transaction password, the ATM displays a withdrawing operation interface, and the user performs withdrawing operation. The code scanning withdrawal mode is that a user firstly selects a code scanning withdrawal button and a code remittance withdrawal button on an external service interface, then enters an interface capable of selecting code scanning withdrawal, enters a two-dimension code display interface after selecting code scanning withdrawal on the interface, then scans a two-dimension code by a mobile phone bank and operates the two-dimension code in the mobile phone bank, after the operation is finished, the user asks for confirming that the operation of a mobile phone end is finished before displaying ' selection ' continuation ' on the external service interface, finally selects ' continuation ', and withdraws money after inputting a correct transaction code.
Regardless of the withdrawal mode, the transaction password needs to be input, and the use of the transaction password in the withdrawal process has unsafe factors.
Disclosure of Invention
In view of this, the present invention provides a withdrawal system and a withdrawal method, for avoiding unsafe factors caused by using a transaction password during a withdrawal process, and reducing withdrawal risks, and the technical scheme thereof is as follows:
a withdrawal system, comprising: the mobile terminal can realize information interaction with the ATM system through the NFC function, bank card information is bound to the NFC of the mobile terminal, biological characteristics corresponding to a plurality of users are stored in the ATM system, and bank card information of the corresponding user is associated with the biological characteristics corresponding to each user;
the ATM system is used for reading bank card information bound by NFC of the mobile terminal when the mobile terminal approaches, determining the biological characteristics corresponding to the read bank card information and corresponding to the user based on the stored biological characteristics and the bank card information associated with the stored biological characteristics as target biological characteristics, and sending the target biological characteristics to the mobile terminal;
the mobile terminal is used for acquiring biological information of a user, extracting biological features from the biological information, matching the extracted biological features with the target biological features, and if the matching is successful, sending indication information of successful matching of the biological features to the ATM system;
the ATM system is further used for displaying a withdrawal interface when the indication information that the biological characteristics are successfully matched is received, so that a user can conveniently input a withdrawal amount on the withdrawal interface to withdraw money.
Optionally, the ATM system is further configured to, when a user uses the ATM system for a first transaction, acquire biometric information of the user, extract a biometric feature from the acquired biometric information, store the extracted biometric feature, and associate the stored biometric feature with bank card information of the corresponding user.
Optionally, the ATM system comprises an ATM card reader module;
and the ATM card reader module is used for reading the bank card information bound by the NFC of the mobile terminal when the mobile terminal approaches.
Optionally, when the ATM system determines, based on the stored biometric characteristic and the bank card information associated with the stored biometric characteristic, the biometric characteristic corresponding to the user corresponding to the read bank card information, the ATM system is specifically configured to:
searching bank card information consistent with the read bank card information in the stored bank card information related to the biological characteristics as target bank card information;
and in the stored biological characteristics, the biological characteristics of the target bank card information are associated, and the biological characteristics corresponding to the read user corresponding to the bank card information are determined.
Optionally, the mobile terminal is further configured to send, to the ATM system, information indicating that the biometric matching fails when the matching fails;
the ATM system is further used for displaying a password input interface when the indication information of the failure of the biometric matching is received, so that the user can withdraw money in a password input mode.
Optionally, the biometric features employ a combination of one or more of the following features:
fingerprint features, face features, iris features, voiceprint features.
A withdrawal method applied to an ATM system in the withdrawal system of any one of the above claims, the withdrawal method comprising:
when a mobile terminal with an NFC function approaches, reading bank card information bound by NFC of the mobile terminal;
determining the biological characteristics corresponding to the read bank card information and corresponding to the user based on the stored biological characteristics and the bank card information related to the stored biological characteristics as target biological characteristics;
sending the target biological characteristics to the mobile terminal so that the mobile terminal can match the biological characteristics extracted from the acquired biological information with the target biological characteristics;
and when receiving indication information that the biological characteristics are successfully matched and sent by the mobile terminal, displaying a withdrawal interface so that a user can input a withdrawal amount on the withdrawal interface to withdraw money.
Optionally, the determining, based on the stored biometric characteristic and the stored bank card information associated with the biometric characteristic, a biometric characteristic corresponding to a user corresponding to the read bank card information includes:
searching bank card information consistent with the read bank card information in the stored bank card information associated with the biological characteristics as target bank card information;
and determining the biological characteristics related to the target bank card information in the stored biological characteristics as the biological characteristics corresponding to the user corresponding to the read bank card information.
A withdrawal method applied to a mobile terminal in a withdrawal system according to any one of the above descriptions, the withdrawal method comprising:
triggering the ATM system to read the bank card information bound by the NFC of the mobile terminal, so that the ATM system determines the biological characteristics corresponding to the user corresponding to the read bank card information as target biological characteristics based on the stored biological characteristics and the bank card information associated with the stored biological characteristics;
when receiving the target biological characteristics sent by the ATM system, acquiring biological information of a user and extracting biological characteristics from the biological information;
and matching the extracted biological characteristics with the target biological characteristics, and if the biological characteristics are successfully matched, sending indication information of successful biological characteristic matching to the ATM system so that the ATM system can display a withdrawal interface.
Optionally, the withdrawal method further includes:
and if the biometric matching fails, sending indication information of the biometric matching failure to the ATM system so that the ATM system can display a password input interface.
In the withdrawal system and the withdrawal method, when a mobile terminal approaches, an ATM system can read bank card information bound by NFC of the mobile terminal, further can determine biological characteristics corresponding to a user corresponding to the read bank card information based on stored fingerprint characteristics and bank card information associated with the stored fingerprint characteristics, and sends the determined fingerprint characteristics to the mobile terminal as target fingerprint characteristics, the mobile terminal can collect the biological information of the user, extract the biological characteristics from the collected biological information, match the extracted biological characteristics with the target biological characteristics, and can send indication information of successful matching of the biological characteristics to the ATM system when the matching is successful, and when the ATM system receives the indication information of successful matching of the biological characteristics, the ATM system can display a withdrawal interface so that the user can input withdrawal amount to withdraw money on the withdrawal interface. The withdrawal system and the withdrawal method provided by the invention can realize withdrawal without inputting the password by the user, avoid unsafe factors caused by using the transaction password in the withdrawal process, reduce the withdrawal risk and have better user experience.
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 provided drawings without creative efforts.
Fig. 1 is a schematic structural diagram of a withdrawal system according to an embodiment of the present invention;
fig. 2 is a schematic flowchart of a withdrawal method applied to an ATM system in a withdrawal system according to an embodiment of the present invention;
fig. 3 is a schematic flowchart of a withdrawal method applied to a mobile terminal in a withdrawal system according to an embodiment of the present disclosure;
fig. 4 is a schematic structural diagram of a withdrawal device applied to an ATM system in a withdrawal system according to an embodiment of the present invention;
fig. 5 is a schematic structural diagram of a withdrawal apparatus applied to a mobile terminal in a withdrawal system according to an embodiment of the present disclosure.
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.
In view of the fact that the existing withdrawal modes all need to input transaction passwords, and the use of the transaction passwords in the withdrawal process has unsafe factors, the invention provides a withdrawal system and a withdrawal method which can realize withdrawal without inputting the passwords by users, and then introduces the withdrawal system and the withdrawal method provided by the invention.
First embodiment
An embodiment of the present invention provides a withdrawal system, please refer to fig. 1, which shows a schematic structural diagram of the withdrawal system, and the withdrawal system may include: a mobile terminal 101 having an NFC function and an ATM system 102.
The mobile terminal 101 can realize information interaction with the ATM system 102 through an NFC function, bank card information is bound to the NFC of the mobile terminal 102, the ATM system 102 stores biological characteristics corresponding to a plurality of users, and the biological characteristic corresponding to each user is associated with the bank card information of the corresponding user. Alternatively, the mobile terminal 102 may be, but is not limited to, a mobile phone with NFC functionality.
Illustratively, the ATM system stores a biometric f of a user a a Biometric f of user b b And biometric features f of user c c Biological characteristics f a Bank card information C associated with user a a Biological characteristics f b Bank card information C associated with user b b Biological characteristics f c Bank card information C associated with user C c 。
It should be noted that the biometric features are features that can uniquely characterize the corresponding user. Alternatively, the biometric features may, but are not limited to, use a combination of one or more of the following features: fingerprint features, face features, iris features, voiceprint features, and the like.
The ATM system 102 is configured to, when the mobile terminal 101 approaches, read bank card information bound by NFC of the mobile terminal 101, determine, based on the stored biometric characteristic and bank card information associated with the stored biometric characteristic, a biometric characteristic corresponding to a user corresponding to the read bank card information, as a target fingerprint characteristic, and send the target fingerprint characteristic to the mobile terminal 101.
The ATM system 102 in this embodiment includes an ATM card reader module, and when the mobile terminal 101 having an NFC function approaches the ATM card reader module, the ATM card reader module reads the bank card information bound by NFC of the mobile terminal 101. When a user withdraws money, firstly, selecting a non-IC card receiving service, then, enabling the mobile terminal to be close to an ATM card reader module, reading bank card information bound by NFC of the mobile terminal 101 by the ATM card reader module, wherein the data transmission based on the NFC is close to near field induction, and when the mobile terminal 101 is close to the ATM card reader module of the ATM system 102, the mobile terminal 101 and the ATM card reader module can both receive a data packet of the other side, so that pairing can be realized, and further, data receiving and sending are realized.
When a user uses the ATM system for transaction for the first time, the ATM system prompts the user whether the user needs to input biological information or not, if the user selects yes, the user is prompted to input the biological information and a transaction password, after the ATM system obtains the biological information input by the user, biological characteristics are extracted from the biological information input by the user, the extracted biological characteristics are stored, the stored biological characteristics are associated with bank card information of the corresponding user, and meanwhile, after the ATM system obtains the transaction password input by the user, the transaction password is also stored.
The process of the ATM system determining the biometric feature corresponding to the user corresponding to the read bank card information based on the stored biometric feature and the bank card information associated with the stored biometric feature may include: searching bank card information consistent with the read bank card information in the stored bank card information associated with the biological characteristics as target bank card information; and determining the biological characteristics of the associated target bank card information in the stored biological characteristics as the biological characteristics corresponding to the read user corresponding to the bank card information.
Illustratively, the ATM system stores a biometric f of a user a a Biometric features f of user b b And biometric features f of user c c Biological characteristics f a Bank card information C associated with user a a Biological characteristics f b Bank card information C associated with user b b Biological characteristics f c Bank card information C associated with user C c The information of the bank card read by the ATM system is C x Then confirm the read bank card information C x The corresponding biometric process of the user is as follows: from biological characteristics f a Biological characteristics f b And biological characteristics f c Separately associated bank credit cardsBreath C a 、C b And C c Middle search and bank card information C x The consistent bank card information is compared with the bank card information C x The consistent bank card information is C a Then associate C a Biological characteristic f of a Bank card information C determined to be read x The corresponding biological characteristics of the user are compared with the bank card information C x Consistent bank card information is C b Then associate C b Biological characteristic f of b Bank card information C determined to be read x The corresponding biological characteristics of the user are compared with the bank card information C x The consistent bank card information is C c Then will associate C c Biological characteristic f of c Bank card information C determined to be read x The corresponding biological characteristics of the corresponding user.
The mobile terminal 101 is configured to collect biometric information of a user, extract biometric features from the collected biometric information, match the extracted biometric features with target biometric features sent from the ATM system, and send indication information indicating that the biometric features are successfully matched to the ATM system 102 if the biometric features are successfully matched.
It should be noted that, if the biometric feature adopted by the present invention is a fingerprint feature, the biometric information acquired by the mobile terminal 101 is a fingerprint image, after the fingerprint image of the user is acquired, the fingerprint feature can be extracted from the acquired fingerprint image, and when the fingerprint feature is extracted from the fingerprint image, the fingerprint image can be preprocessed (for example, image enhancement, fingerprint region detection, fingerprint directional diagram and frequency estimation, image binarization, image thinning, etc.) first, then ridge line data of the fingerprint is acquired from the preprocessed fingerprint image, and finally the fingerprint feature is extracted from the acquired ridge line data. If the biometric feature adopted by the invention is a face feature, the biometric information acquired by the mobile terminal 101 is a face image of the user, and after the face image of the user is acquired, the face feature can be extracted from the acquired face image. If the biometric feature adopted by the invention is an iris feature, the biometric information acquired by the mobile terminal 101 is an iris image of the user, and after the iris image of the user is acquired, the iris feature can be extracted from the acquired iris image. If the biometric feature adopted by the invention is a voiceprint feature, the biometric information acquired by the mobile terminal 101 is the voice of the user, and after the voice of the user is acquired, the voiceprint feature can be extracted from the acquired voice. Of course, if the adopted biological features are multiple features, such as human face features and fingerprint features, the fingerprint image and the human face image of the user can be respectively collected, the fingerprint features are extracted from the collected fingerprint image, and the human face features are extracted from the collected human face image.
It should be noted that, if the biometric features adopt a combination of multiple features, multiple features are all successfully matched, and the mobile terminal 101 will send the indication information that the biometric features are successfully matched to the ATM system 102, for example, the biometric features adopt the fingerprint features and the human face features, and the mobile terminal 101 will send the indication information that the biometric features are successfully matched to the ATM system 102 only when the extracted fingerprint features are matched with the target fingerprint features sent by the ATM system and the extracted human face features are matched with the target human face features sent by the ATM system.
The process of matching the extracted biological characteristics with the target biological characteristics by the mobile terminal comprises the following steps: the mobile terminal calculates the similarity between the extracted biological features and the target biological features, if the calculated similarity is greater than or equal to a preset similarity threshold, the extracted biological features and the target biological features are determined to be successfully matched, and if the calculated similarity is smaller than the preset similarity threshold, the extracted biological features and the target biological features are determined to be unsuccessfully matched.
The ATM system 102 is further configured to display a withdrawal interface when receiving indication information that the biometric matching is successful, so that a user inputs a withdrawal amount on the withdrawal interface to withdraw money, and display a password input interface when receiving indication information that the biometric matching is unsuccessful, so that the user withdraws money by inputting a password.
In the withdrawal system provided by the embodiment of the invention, when the mobile terminal approaches, the ATM system can read the bank card information bound by the NFC of the mobile terminal, and further determine the biometric characteristic corresponding to the user corresponding to the read bank card information based on the stored fingerprint characteristic and the bank card information associated with the stored fingerprint characteristic, and send the determined fingerprint characteristic to the mobile terminal as the target fingerprint characteristic, the mobile terminal can collect the biometric information of the user, extract the biometric characteristic from the collected biometric information, match the extracted biometric characteristic with the target biometric characteristic, and when the matching is successful, can send the indication information of successful biometric characteristic matching to the ATM system, and when the ATM system receives the indication information of successful biometric characteristic matching, the withdrawal interface can be displayed, so that the user can input the withdrawal amount to withdraw money on the withdrawal interface. The withdrawal system provided by the embodiment of the invention can realize withdrawal without inputting the password by the user, avoids unsafe factors caused by using the transaction password in the withdrawal process, reduces the withdrawal risk and has better user experience.
Second embodiment
Fig. 2 shows a schematic flow chart of the withdrawal method, which includes:
step S201: and when the mobile terminal with the NFC function approaches, reading the bank card information bound by the NFC of the mobile terminal.
Step S202: and determining the biological characteristics corresponding to the user corresponding to the read bank card information as target biological characteristics based on the stored biological characteristics and the bank card information associated with the stored biological characteristics.
It should be noted that the biometric features are features that can uniquely characterize the corresponding user. Alternatively, the biometric features may, but are not limited to, use a combination of one or more of the following features: fingerprint features, face features, iris features, voiceprint features, and the like.
The ATM system stores biological characteristics corresponding to a plurality of users respectively, and the biological characteristics corresponding to each user are associated with bank card information of the corresponding user. The process of determining the biometric feature corresponding to the user corresponding to the read bank card information based on the stored biometric feature and the bank card information associated with the stored biometric feature may include: searching bank card information consistent with the read bank card information in the stored bank card information associated with the biological characteristics as target bank card information; and determining the biological characteristics of the associated target bank card information in the stored biological characteristics as the biological characteristics corresponding to the user corresponding to the read bank card information.
Step S203: and sending the target biological characteristics to the mobile terminal so that the mobile terminal can extract the biological characteristics of the acquired biological information and match the biological characteristics with the target biological characteristics.
The method comprises the steps that when a mobile terminal receives target biological characteristics, biological information of a user is collected, the biological characteristics of the collected biological information are extracted, then the extracted biological characteristics are matched with the target biological characteristics sent by an ATM system, if the extracted biological characteristics are successfully matched with the target biological characteristics sent by the ATM system, indication information of successful biological characteristic matching is sent to the ATM system, and if the extracted biological characteristics are unsuccessfully matched with the target biological characteristics sent by the ATM system, indication information of unsuccessful biological characteristic matching is sent to the ATM system.
Step S204: and when receiving indication information that the biological characteristics are successfully matched and sent by the mobile terminal, displaying a withdrawal interface so that a user can input a withdrawal amount on the withdrawal interface to withdraw money.
In the embodiment of the invention, when the ATM system receives the indication information of successful matching of the biological characteristics, the ATM system directly displays a withdrawal interface for a user. It should be noted that, when the ATM system receives the indication information that the biometric matching fails, the password input interface is displayed, so that the user can withdraw money by inputting the password.
According to the withdrawal method provided by the embodiment of the invention, when the mobile terminal approaches, the ATM system can read the bank card information bound by NFC of the mobile terminal, further can determine the biological characteristics corresponding to the user corresponding to the read bank card information based on the stored fingerprint characteristics and the bank card information associated with the stored fingerprint characteristics, and sends the determined fingerprint characteristics as target fingerprint characteristics to the mobile terminal, so that the mobile terminal can extract the biological characteristics of the acquired biological information to be matched with the target biological characteristics, and when the ATM system receives the indication information that the biological characteristics are successfully matched, a withdrawal interface can be displayed, so that the user can input the withdrawal amount to withdraw money on the withdrawal interface. The withdrawal method provided by the embodiment of the invention can realize withdrawal without inputting the password by the user, avoids unsafe factors caused by using the transaction password in the withdrawal process, reduces the withdrawal risk and has better user experience.
Third embodiment
Fig. 3 shows a flow diagram of a withdrawal method, which is applied to a mobile terminal having an NFC function in a withdrawal system provided in the foregoing embodiment, and may include:
step S301: and triggering the ATM system to read the bank card information bound by the NFC of the mobile terminal, so that the ATM system determines the biological characteristics corresponding to the user corresponding to the read bank card information as target biological characteristics based on the stored biological characteristics and the bank card information associated with the stored biological characteristics.
When the mobile terminal is close to the ATM system, the ATM system is triggered to read bank card information bound by NFC of the mobile terminal, after the ATM system reads the bank card information, bank card information consistent with the read bank card information is searched in the stored bank card information associated with the biological characteristics to serve as target bank card information, and the biological characteristics associated with the target bank card information in the stored biological characteristics are determined as biological characteristics corresponding to a user corresponding to the read bank card information.
It should be noted that the biometric features are features that can uniquely characterize the corresponding user. Alternatively, the biometric features may, but are not limited to, use a combination of one or more of the following features: fingerprint features, face features, iris features, voiceprint features, and the like.
Step S302: when receiving the target biological characteristics transmitted by the ATM system, collecting the biological information of the user and extracting the biological characteristics from the biological information.
When the mobile terminal receives the target biological characteristics sent by the ATM system, the biological information acquisition interface is displayed to prompt the user to input biological information, and after the mobile terminal acquires the biological information input by the user, the biological characteristics of the acquired biological information are extracted.
Step S303: and matching the extracted biological characteristics with the target biological characteristics, and if the biological characteristics are successfully matched, sending indication information of successful biological characteristic matching to the ATM system so that the ATM system can display a withdrawal interface.
The process of the mobile terminal for matching the extracted biological characteristics with the target biological characteristics comprises the following steps: the mobile terminal calculates the similarity between the extracted biological features and the target biological features, if the calculated similarity is greater than or equal to a preset similarity threshold, the extracted biological features and the target biological features are determined to be successfully matched, and if the calculated similarity is smaller than the preset similarity threshold, the extracted biological features and the target biological features are determined to be unsuccessfully matched.
After the ATM system displays the withdrawal interface, the user can directly input the withdrawal amount in the withdrawal interface for withdrawal. It should be noted that, if the biometric matching fails, an indication message indicating that the biometric matching fails is sent to the ATM system, so that the ATM system displays a password input interface, and the user withdraws money by inputting a password.
In the withdrawal method provided by the embodiment of the invention, the mobile terminal triggers the ATM system to read bank card information bound by NFC, so that the ATM system determines the biological characteristics corresponding to the read bank card information as target biological characteristics based on the stored biological characteristics and the bank card information associated with the stored biological characteristics, when the mobile terminal receives the target biological characteristics sent by the ATM system, the biological information of the user is collected, the biological characteristics are extracted from the biological information, the extracted biological characteristics are matched with the target biological characteristics, and if the biological characteristics are successfully matched, indication information of successful biological characteristic matching is sent to the ATM system, so that the ATM system can display a withdrawal interface. The withdrawal method provided by the embodiment of the invention can realize withdrawal without inputting the password by the user, avoids unsafe factors caused by using the transaction password in the withdrawal process, reduces the withdrawal risk and has better user experience.
Fourth embodiment
A withdrawal apparatus provided in an embodiment of the present invention is applied to an ATM system in a withdrawal system provided in the foregoing embodiment, please refer to fig. 4, which shows a schematic structural diagram of the withdrawal apparatus, and may include:
the system comprises a bank card information reading module 401, a biological characteristic determining module 402, a biological characteristic sending module 403 and a withdrawal interface display module 404.
The bank card information reading module 401 is configured to read, when a mobile terminal with an NFC function approaches, bank card information bound by NFC of the mobile terminal.
A biometric determining module 402, configured to determine, based on the stored biometric characteristic and the bank card information associated with the stored biometric characteristic, a biometric characteristic corresponding to the user corresponding to the read bank card information, as a target biometric characteristic.
A biometric sending module 403, configured to send the target biometric to the mobile terminal, so that the mobile terminal matches a biometric extracted from the acquired biometric information with the target biometric;
a withdrawal interface display module 404, configured to display a withdrawal interface when receiving indication information that the biometric matching is successful, where the indication information is sent by the mobile terminal, so that a user may input a withdrawal amount on the withdrawal interface to withdraw money.
Optionally, when determining the biometric feature corresponding to the user corresponding to the read bank card information based on the stored biometric feature and the bank card information associated with the stored biometric feature, the biometric feature determination module 402 is specifically configured to:
searching bank card information consistent with the read bank card information in the stored bank card information associated with the biological characteristics as target bank card information;
and determining the biological characteristics related to the target bank card information in the stored biological characteristics as the biological characteristics corresponding to the user corresponding to the read bank card information.
Optionally, the biometric features include one or a combination of the following features: fingerprint features, face features, iris features, voiceprint features.
Optionally, the withdrawal apparatus provided in the embodiment of the present invention may further include: password input interface display module.
And the password input interface display module is used for displaying a password input interface when the indication information of the failure of the biological characteristic matching is received so that a user can withdraw money by inputting the password.
Optionally, the withdrawal apparatus provided in the embodiment of the present invention may further include: the system comprises a biological information acquisition module, a biological characteristic extraction module, a biological characteristic storage module and a biological characteristic correlation module.
And the biological information acquisition module is used for acquiring the biological information of the user when the user uses the ATM system for transaction for the first time.
And the biological characteristic extraction module is used for extracting biological characteristics from the biological information acquired by the biological information acquisition module.
And the biological characteristic storage module is used for storing the biological characteristics extracted by the biological characteristic extraction module.
And the biological characteristic association module is used for associating the biological characteristics stored by the biological characteristic storage module with the bank card information of the corresponding user.
The withdrawal device provided by the embodiment of the invention can realize withdrawal without inputting the password by the user, avoids unsafe factors caused by using the transaction password in the withdrawal process, reduces the withdrawal risk and has better user experience.
Fifth embodiment
Referring to fig. 5, a schematic structural diagram of a withdrawal apparatus is shown, where the withdrawal apparatus is applied to a mobile terminal in a withdrawal system provided in the foregoing embodiment, and the schematic structural diagram may include: the system comprises a biological characteristic receiving module 501, a biological information collecting module 502, a biological characteristic extracting module 503, a biological characteristic matching module 504 and a matching condition prompt information sending module 505.
And the biometric receiving module 501 is used for receiving the target biometric transmitted by the ATM system.
When the mobile terminal is close to the ATM system, the ATM system reads bank card information bound by NFC of the mobile terminal, and determines the biological characteristics corresponding to the user corresponding to the read bank card information based on the stored biological characteristics and the bank card information associated with the stored biological characteristics, and the biological characteristics serve as target biological characteristics and are sent to the mobile terminal.
A biological information collecting module 502 for collecting the biological information of the user.
The biological feature extracting module 503 is configured to extract a biological feature from the biological information acquired by the biological information acquiring module.
A biometric matching module 504, configured to match the biometric extracted by the biometric extraction module with the target biometric.
And a matching condition prompt message sending module 505, configured to send, when the biometric matching is successful, indication information that the biometric matching is successful to the ATM system, so that the ATM system displays a withdrawal interface.
The matching condition prompt information sending module 505 is further configured to send, when the biometric matching fails, information indicating that the biometric matching fails to the ATM system, so that the ATM system displays a password input interface.
When the extracted biometric features are matched with the target biometric features, the biometric feature matching module 504 is specifically configured to:
and calculating the similarity between the extracted biological features and the target biological features, if the calculated similarity is greater than or equal to a preset similarity threshold, determining that the extracted biological features are successfully matched with the target biological features, and if the calculated similarity is less than the preset similarity threshold, determining that the extracted biological features are unsuccessfully matched with the target biological features.
Optionally, the biological characteristics include one or a combination of more of the following characteristics: fingerprint features, face features, iris features, voiceprint features.
The withdrawal device provided by the embodiment of the invention can realize withdrawal without inputting the password by the user, avoids unsafe factors caused by using the transaction password in the withdrawal process, reduces the withdrawal risk and has better user experience.
Sixth embodiment
An embodiment of the present invention further provides an ATM system, where the ATM system may include: at least one processor, at least one communication interface, at least one memory, and at least one communication bus;
in the embodiment of the invention, the number of the processor, the communication interface, the memory and the communication bus is at least one, and the processor, the communication interface and the memory complete mutual communication through the communication bus;
the processor may be a central processing unit CPU, or an Application Specific Integrated Circuit ASIC (Application Specific Integrated Circuit), or one or more Integrated circuits configured to implement embodiments of the present invention, or the like;
the memory may include a high-speed RAM memory, and may further include a non-volatile memory (non-volatile memory) or the like, such as at least one disk memory;
wherein the memory stores a program and the processor can call the program stored in the memory, the program for:
when a mobile terminal with an NFC function approaches, reading bank card information bound by NFC of the mobile terminal;
determining the biological characteristics corresponding to the read bank card information and corresponding to the user based on the stored biological characteristics and the bank card information related to the stored biological characteristics as target biological characteristics;
sending the target biological characteristics to the mobile terminal so that the mobile terminal can match the biological characteristics extracted from the acquired biological information with the target biological characteristics;
and when receiving indication information that the biological characteristics are successfully matched and sent by the mobile terminal, displaying a withdrawal interface so that a user can input a withdrawal amount on the withdrawal interface to withdraw money.
Alternatively, the detailed function and the extended function of the program may be as described above.
Seventh embodiment
An embodiment of the present invention further provides a readable storage medium, where the readable storage medium may store a program adapted to be executed by a processor, where the program is configured to:
when a mobile terminal with an NFC function approaches, reading bank card information bound by NFC of the mobile terminal;
determining the biological characteristics corresponding to the read bank card information and corresponding to the user based on the stored biological characteristics and the bank card information related to the stored biological characteristics as target biological characteristics;
sending the target biological characteristics to the mobile terminal so that the mobile terminal can match the biological characteristics extracted from the acquired biological information with the target biological characteristics;
and when receiving indication information that the biological characteristics sent by the mobile terminal are successfully matched, displaying a withdrawal interface so that a user can input a withdrawal amount on the withdrawal interface for withdrawal.
Alternatively, the detailed function and the extended function of the program may be as described above.
Eighth embodiment
An embodiment of the present invention further provides a mobile terminal, where the mobile terminal system may include: at least one processor, at least one communication interface, at least one memory, and at least one communication bus;
in the embodiment of the invention, the number of the processor, the communication interface, the memory and the communication bus is at least one, and the processor, the communication interface and the memory complete mutual communication through the communication bus;
the processor may be a central processing unit CPU, or an Application Specific Integrated Circuit ASIC (Application Specific Integrated Circuit), or one or more Integrated circuits configured to implement embodiments of the present invention, or the like;
the memory may include a high-speed RAM memory, and may further include a non-volatile memory (non-volatile memory) or the like, such as at least one disk memory;
wherein the memory stores a program and the processor can call the program stored in the memory, the program for:
triggering the ATM system to read the bank card information bound by the NFC of the mobile terminal, so that the ATM system determines the biological characteristics corresponding to the user corresponding to the read bank card information as target biological characteristics based on the stored biological characteristics and the bank card information associated with the stored biological characteristics;
when receiving the target biological characteristics sent by the ATM system, acquiring biological information of a user and extracting biological characteristics from the biological information;
and matching the extracted biological characteristics with the target biological characteristics, and if the biological characteristics are successfully matched, sending indication information of successful biological characteristic matching to the ATM system so that the ATM system can display a withdrawal interface.
Alternatively, the detailed function and the extended function of the program may be as described above.
Ninth embodiment
An embodiment of the present invention further provides a readable storage medium, where the readable storage medium may store a program adapted to be executed by a processor, where the program is configured to:
triggering the ATM system to read the bank card information bound by the NFC of the mobile terminal, so that the ATM system determines the biological characteristics corresponding to the read bank card information and corresponding to the user as target biological characteristics based on the stored biological characteristics and the bank card information associated with the stored biological characteristics;
when receiving the target biological characteristics sent by the ATM system, acquiring biological information of a user and extracting biological characteristics from the biological information;
and matching the extracted biological characteristics with the target biological characteristics, and if the biological characteristics are successfully matched, sending indication information of successful biological characteristic matching to the ATM system so that the ATM system can display a withdrawal interface.
Alternatively, the detailed function and the extended function of the program may be as described above.
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 a … …" does not exclude the presence of another identical element in a process, method, article, or apparatus that comprises the element.
In the present specification, the embodiments 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 (10)
1. A withdrawal system, comprising: the mobile terminal can realize information interaction with the ATM system through the NFC function, bank card information is bound to the NFC of the mobile terminal, biological characteristics corresponding to a plurality of users are stored in the ATM system, and bank card information of the corresponding user is associated with the biological characteristics corresponding to each user;
the ATM system is used for reading bank card information bound by NFC of the mobile terminal when the mobile terminal approaches, determining a biological characteristic corresponding to a user corresponding to the read bank card information as a target biological characteristic based on the stored biological characteristic and bank card information associated with the stored biological characteristic, and sending the target biological characteristic to the mobile terminal;
the mobile terminal is used for acquiring biological information of a user, extracting biological characteristics from the biological information, matching the extracted biological characteristics with the target biological characteristics, and if the matching is successful, sending indication information of successful biological characteristic matching to the ATM system;
the ATM system is further used for displaying a withdrawal interface when the indication information that the biological characteristics are successfully matched is received, so that a user can conveniently input a withdrawal amount on the withdrawal interface to withdraw money.
2. The withdrawal system of claim 1, wherein the ATM system is further configured to collect biometric information of the user when the user first uses the ATM system for a transaction, extract a biometric feature from the collected biometric information, store the extracted biometric feature, and associate the stored biometric feature with bank card information of the corresponding user.
3. The withdrawal system of claim 1, wherein the ATM system comprises an ATM card reader module;
and the ATM card reader module is used for reading the bank card information bound by the NFC of the mobile terminal when the mobile terminal approaches.
4. The withdrawal system of claim 1, wherein the ATM system, when determining the biometric characteristic corresponding to the user corresponding to the read bank card information based on the stored biometric characteristic and the bank card information associated with the stored biometric characteristic, is specifically configured to:
searching bank card information consistent with the read bank card information in the stored bank card information associated with the biological characteristics as target bank card information;
and determining the biological characteristics of the target bank card information in the stored biological characteristics as the biological characteristics corresponding to the user corresponding to the read bank card information.
5. The withdrawal system of claim 1, wherein the mobile terminal is further configured to send a biometric match failure indication to the ATM system when the matching fails;
and the ATM system is also used for displaying a password input interface when receiving the indication information of the failure of the biometric matching so that a user can withdraw money by inputting a password.
6. The withdrawal system of claim 1, wherein the biometric features employ a combination of one or more of the following features:
fingerprint features, face features, iris features, voiceprint features.
7. A withdrawal method applied to an ATM system in the withdrawal system as claimed in any one of claims 1 to 6, the withdrawal method comprising:
when a mobile terminal with an NFC function approaches, reading bank card information bound by NFC of the mobile terminal;
determining the biological characteristics corresponding to the read bank card information and corresponding to the user based on the stored biological characteristics and the bank card information related to the stored biological characteristics as target biological characteristics;
sending the target biological characteristics to the mobile terminal so that the mobile terminal can match the biological characteristics extracted from the acquired biological information with the target biological characteristics;
and when receiving indication information that the biological characteristics are successfully matched and sent by the mobile terminal, displaying a withdrawal interface so that a user can input a withdrawal amount on the withdrawal interface to withdraw money.
8. The withdrawal method as recited in claim 7, wherein determining the biometric characteristic corresponding to the user corresponding to the read bank card information based on the stored biometric characteristic and the bank card information associated with the stored biometric characteristic comprises:
searching bank card information consistent with the read bank card information in the stored bank card information associated with the biological characteristics as target bank card information;
and determining the biological characteristics related to the target bank card information in the stored biological characteristics as the biological characteristics corresponding to the user corresponding to the read bank card information.
9. A withdrawal method applied to a mobile terminal in the withdrawal system as claimed in any one of claims 1 to 6, the withdrawal method comprising:
triggering the ATM system to read the bank card information bound by the NFC of the mobile terminal, so that the ATM system determines the biological characteristics corresponding to the user corresponding to the read bank card information as target biological characteristics based on the stored biological characteristics and the bank card information associated with the stored biological characteristics;
when receiving the target biological characteristics sent by the ATM system, acquiring biological information of a user and extracting biological characteristics from the biological information;
and matching the extracted biological characteristics with the target biological characteristics, and if the biological characteristics are successfully matched, sending indication information of successful biological characteristic matching to the ATM system so that the ATM system can display a withdrawal interface.
10. The method of claim 9, further comprising:
and if the biological characteristic matching fails, sending indication information of the biological characteristic matching failure to the ATM system so that the ATM system can display a password input interface.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN202211070756.4A CN115457711A (en) | 2022-09-02 | 2022-09-02 | Withdrawal system and withdrawal method |
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN202211070756.4A CN115457711A (en) | 2022-09-02 | 2022-09-02 | Withdrawal system and withdrawal method |
Publications (1)
| Publication Number | Publication Date |
|---|---|
| CN115457711A true CN115457711A (en) | 2022-12-09 |
Family
ID=84300538
Family Applications (1)
| Application Number | Title | Priority Date | Filing Date |
|---|---|---|---|
| CN202211070756.4A Pending CN115457711A (en) | 2022-09-02 | 2022-09-02 | Withdrawal system and withdrawal method |
Country Status (1)
| Country | Link |
|---|---|
| CN (1) | CN115457711A (en) |
Citations (5)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN103942899A (en) * | 2014-04-04 | 2014-07-23 | 上海工程技术大学 | Fingerprint pos machine and fingerprint payment system |
| CN106934613A (en) * | 2017-03-02 | 2017-07-07 | 中国工商银行股份有限公司 | Without card withdrawal ATM, mobile terminal, server, system and method |
| CN107153960A (en) * | 2017-04-25 | 2017-09-12 | 北京小米移动软件有限公司 | The settlement method and device of transaction |
| CN108431857A (en) * | 2015-09-23 | 2018-08-21 | 哈瑞克思信息科技公司 | The system and method for providing automated teller service using mobile terminal |
| CN108922074A (en) * | 2018-05-31 | 2018-11-30 | 深圳壹账通智能科技有限公司 | Without card withdrawal method, apparatus, computer equipment and storage medium |
-
2022
- 2022-09-02 CN CN202211070756.4A patent/CN115457711A/en active Pending
Patent Citations (5)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN103942899A (en) * | 2014-04-04 | 2014-07-23 | 上海工程技术大学 | Fingerprint pos machine and fingerprint payment system |
| CN108431857A (en) * | 2015-09-23 | 2018-08-21 | 哈瑞克思信息科技公司 | The system and method for providing automated teller service using mobile terminal |
| CN106934613A (en) * | 2017-03-02 | 2017-07-07 | 中国工商银行股份有限公司 | Without card withdrawal ATM, mobile terminal, server, system and method |
| CN107153960A (en) * | 2017-04-25 | 2017-09-12 | 北京小米移动软件有限公司 | The settlement method and device of transaction |
| CN108922074A (en) * | 2018-05-31 | 2018-11-30 | 深圳壹账通智能科技有限公司 | Without card withdrawal method, apparatus, computer equipment and storage medium |
Similar Documents
| Publication | Publication Date | Title |
|---|---|---|
| CN107785021B (en) | Voice input method, device, computer equipment and medium | |
| CN112424791A (en) | Information processing apparatus, information processing method, and information processing program | |
| US20090266893A1 (en) | Mobile device and trade method using the mobile device | |
| CN111049659B (en) | Service verification method, device and system based on handwriting signature recognition | |
| JP2007199984A (en) | Communication terminal device | |
| US20230259597A1 (en) | Biological data registration support device, biological data registration support system, biological data registration support method, biological data registration support program, recording medium for strong biological data registration support program | |
| CN110322888B (en) | Credit card unlocking method, apparatus, device and computer readable storage medium | |
| CN105006077A (en) | ATM safe operation method and system based on fingerprint identification, and ATM | |
| CN109951598B (en) | Application interface display method and device, computer equipment and storage medium | |
| CN111640266A (en) | Method for depositing and withdrawing money on ATM and intelligent terminal | |
| US20070061591A1 (en) | User authentication apparatus and user authentication method | |
| CN103632268A (en) | Security authentication method and security authentication payment terminal | |
| CN105099700A (en) | Authentication method, authentication server, and system | |
| US20200026914A1 (en) | Information processing device, information processing method, and information processing system for extracting information on electronic payment from bill image | |
| KR101334744B1 (en) | Loaning method using kiosk system | |
| CN107517298B (en) | Unlocking method and related product | |
| CN111090846B (en) | Login authentication method, login authentication device, electronic equipment and computer readable storage medium | |
| CN115457711A (en) | Withdrawal system and withdrawal method | |
| EP1627363A1 (en) | Verification of electronic financial transactions | |
| CN107493368B (en) | Unlocking method and related product | |
| CN116777441A (en) | Information verification method, device, equipment and computer readable storage medium | |
| CN105681610A (en) | Customer service telephone interaction method and system and mobile terminal | |
| CN110245939B (en) | Payment method and device | |
| CN112150740B (en) | Non-inductive secure payment system and method | |
| TWM584946U (en) | Remittance system |
Legal Events
| Date | Code | Title | Description |
|---|---|---|---|
| PB01 | Publication | ||
| PB01 | Publication | ||
| SE01 | Entry into force of request for substantive examination | ||
| SE01 | Entry into force of request for substantive examination |