TW202232347A - Identity authentication method for deposit withdrawing and system using the same - Google Patents

Abstract

The disclosure provides an identity authentication method for deposit withdrawing and a system using the same method. The method includes: receiving the a number and withdrawal identification code from an automatic trading machine (ATM); verifying a user based on the phone number and the withdrawal identification code, and requesting a telecommunication service provider to verify a validity of the phone number; in response to determining that the user passes the verification and the telecommunication service provider reports that the phone number is valid, demanding the ATM to generate voiceprint identification content; receiving voiceprint identification information from the ATM; finding specific voiceprints among pre-stored voiceprints corresponding to the user based on the voiceprint identification content; and in response to determining that the voiceprint identification information matches the specific voiceprints, allowing the user to perform a withdrawal operation via the ATM.

Description

Withdrawal identity authentication method and system

The present invention relates to an identity authentication technology, and in particular, to a withdrawal identity authentication method and system.

In modern life, although users can withdraw money through ATMs that can be seen everywhere, if the user does not carry an ATM card/certificate for some reason, the withdrawal operation still cannot be completed.

In view of this, the present invention provides a withdrawal identity authentication method and system, which can be used to solve the above-mentioned technical problems.

The present invention provides an identity authentication method for withdrawing money. The authentication system verifies the user based on the phone number and the withdrawal identification code, and requires a telecommunication service provider to verify the validity of the phone number; in response to determining that the user has passed the verification and the telecommunication service provider reports that the phone number is valid, the identity is identified by the voiceprint The authentication system requires the cash machine to generate a voiceprint identification content; the voiceprint identification authentication system receives the voiceprint identification information from the cash machine that the user inputs to the cash machine in response to the voiceprint identification content; the voiceprint identification The identity authentication system finds a plurality of specific voiceprints in a plurality of pre-stored voiceprints corresponding to the user based on the voiceprint identification content; and in response to determining that the voiceprint identification information matches the plurality of specific voiceprints, the voiceprint identification The identity authentication system allows users to withdraw money through ATMs.

The invention provides an identity authentication system for withdrawing money, including an identity authentication system for sing-song-print recognition. The voiceprint identification authentication system is configured to: receive from a cash machine a phone number and a cash withdrawal identification code input by a user to the cash machine; authenticate the user based on the phone number and the cash withdrawal identification code, and request a The telecommunication service provider verifies the validity of the phone number; in response to determining that the user has passed the verification and the telecommunication service provider reports that the phone number is valid, the ATM is required to generate voiceprint recognition content; Identifying the content and inputting the voiceprint identification information to the cash machine; finding a plurality of specific voiceprints in a plurality of pre-stored voiceprints corresponding to the user based on the voiceprint identification content; and in response to determining that the voiceprint identification information matches the The plurality of specific voiceprints allow the user to perform a cash withdrawal operation through the cash machine.

Please refer to FIG. 1 , which is a schematic diagram of a withdrawal authentication system according to an embodiment of the present invention. In FIG. 1 , the withdrawal authentication system 10 may include an electronic device 110 , a voiceprint identification authentication system 200 , a cash machine 300 , a financial institution 400 and a telecommunication service provider 500 . In different embodiments, the electronic device 110 is, for example, various computer devices and smart devices held by the user 100 , but it is not limited thereto.

In one embodiment, the user 100 may have, for example, a phone number (eg, the phone number of the electronic device 110 ), and the phone number may be provided by the telecommunication service provider 500 to provide related call services, but not limited thereto.

The electronic device 110 , the telecommunication service provider 500 and the voiceprint identification authentication system 200 of the present invention can communicate and transmit data through the Internet. In different embodiments, the voiceprint identification authentication system 200 can be implemented as, for example, various computer devices, smart devices and other electronic devices that can be used to execute the method of the present invention, but it is not limited thereto.

Generally speaking, through the method proposed by the present invention, the user 100 can withdraw money by inputting a phone number to the ATM 300 without providing an ATM card, and the ATM 300 can use the financial dedicated line The operations of confirming and dispensing cash to a specific financial institution (for example, the financial institution 400 ) selected by the user are described below in detail.

In the embodiment of the present invention, in order to allow the user 100 to perform the withdrawal operation in the above-mentioned manner, the withdrawal authentication system 10 of the present invention can allow the user 100 to apply for the withdrawal operation in the above-mentioned manner by executing the process shown in FIG. 2A . .

Please refer to FIG. 2A , which is a flowchart of a service application according to an embodiment of the present invention. In addition, in order to make the concept of the present invention easier to understand, the following description is supplemented by the handshaking sequence diagram shown in FIG. 2B .

In this embodiment, for example, the user 100 can access the service application interface provided by the voiceprint identification authentication system 200 through the electronic device 110, and input the phone number PN and the identity information of the user 100 on the service application interface. UU.

Based on this, in step S210, the voiceprint identification authentication system 200 may receive the phone number PN and the identity information UU provided by the user 100 from the electronic device 110 corresponding to the user 100, and request the telecommunication service provider 500 to confirm whether the phone number PN is It matches the identity information UU of the user 100 .

In one embodiment, if the telecommunication service provider 500 determines that the phone number PN does not match the identity information UU of the user 100, the telecommunication service provider 500 may notify the voiceprint identification authentication system 200 of the authentication result, and the voiceprint identification The authentication system 200 may reject the application of the user 100 accordingly.

In one embodiment, if the telecommunication service provider 500 determines that the phone number PN matches the identity information UU of the user 100, the telecommunication service provider 500 can notify the voiceprint identification authentication system 200 of the authentication result, and the voiceprint identification authentication The system 200 can then perform step S220 accordingly.

In step S220, in response to determining that the telecommunication service provider 500 has confirmed that the phone number PN matches the identity information UU of the user 100, the voiceprint identification authentication system 200 may request the user 100 to set a withdrawal identification code, and request the user 100 A plurality of sound signals corresponding to a plurality of characteristic patterns are recorded. Afterwards, the voiceprint identification and authentication system 200 can convert these voice signals into a plurality of pre-stored voiceprints corresponding to the user 100 .

In one embodiment, the above-mentioned withdrawal identification code can be used as a password when the user operates the ATM machine 100 days later, but it is not limited to this.

In one embodiment, the above-mentioned characteristic patterns may be various patterns, and after seeing these characteristic patterns, the user 100 can tell the electronic device 110 his own knowledge of these characteristic patterns. Correspondingly, after obtaining the sound signal input by the user 100, the electronic device 110 can send the sound signal corresponding to each characteristic pattern to the voiceprint identification and authentication system 200, so that the voiceprint identification and identification system 200 can use these sound signals Convert to the above pre-stored voiceprint.

For example, the above-mentioned characteristic patterns are, for example, 10 patterns corresponding to numbers 0 to 9 respectively, and the user 100 can say "0" to the electronic device 110 when seeing the pattern of the number 0, and the electronic device 110 is The voice made by the user 100 at this time can be converted into a voice signal (referred to as A0) and transmitted to the voiceprint identification authentication system 200 . Correspondingly, the voiceprint identification and authentication system 200 can convert the voice signal A0 into a pre-stored voiceprint corresponding to the number 0. Similarly, when the user 100 sees the pattern of the number 1, he can say "1" to the electronic device 110, and the electronic device 110 can convert the sound made by the user 100 into another sound signal (with A1 generation name) and forwarded to the voiceprint identification authentication system 200. Correspondingly, the voiceprint identification and authentication system 200 can convert the voice signal A1 into a pre-stored voiceprint corresponding to the number 1 .

Based on the above-mentioned mechanism, the voiceprint identification and authentication system 200 can correspondingly obtain pre-stored voiceprints corresponding to other digital patterns, the details of which are not described herein.

In addition, in other embodiments, when the user 100 sees the above-mentioned characteristic patterns, it is not necessary to faithfully say the contents of these characteristic patterns, but can arbitrarily say what he wants to say according to his own cognition. For example, when the user 100 sees the pattern of the number 1, instead of saying "1" to the electronic device 110, he can say other words (such as "chicken", "one", etc.), and the electronic device 110 can The voice made by the user 100 at this time is converted into another voice signal (referred to as A1) and transmitted to the voiceprint identification authentication system 200 . Correspondingly, the voiceprint identification and authentication system 200 can convert the voice signal A1 into a pre-stored voiceprint corresponding to the number 1 .

In other embodiments, the above-mentioned characteristic patterns can also be various geometric patterns or biological pictures, and the user 100 can also speak descriptions corresponding to these characteristic patterns according to his own knowledge. For example, when the user 100 sees an image of a chicken, he can faithfully say "chicken" or other descriptions (eg, "dog", "cat", etc.), but not limited to this.

For ease of description, it is assumed below that the above-mentioned characteristic patterns include patterns P0 to P9 including numbers 0 to 9 respectively, and the corresponding pre-stored voiceprints may be called VP0 to VP9, but they are only used as examples and are not intended to limit the present invention. possible implementation.

After the voiceprint identification and authentication system 200 obtains the pre-stored voiceprints corresponding to each characteristic pattern, in step S240, the voiceprint identification and authentication system 200 may request the user 100 to provide a specific financial account AC, where the specific financial account AC is, for example, It is the bank account where the user wants to withdraw money in the above manner after 100 days.

Afterwards, in step S250 , the voiceprint identification authentication system 200 may request a specific financial institution (eg, financial institution 400 ) to which the specific financial account AC belongs to confirm whether the specific financial account AC corresponds to the user 100 .

In one embodiment, if the financial institution 400 confirms that the specific financial account AC does not correspond to the user 100 (eg, the user 100 is not eligible to withdraw money from the specific financial account AC), the financial institution 400 may notify the user of the confirmation result. A tattoo identification authentication system 200 . Accordingly, the voiceprint identification authentication system 200 can reject the application of the user 100 .

On the other hand, if the financial institution 400 confirms that the specific financial account AC corresponds to the user 100 , the financial institution 400 may notify the voiceprint identification authentication system 200 of the confirmation result. Correspondingly, the voiceprint identification authentication system 200 can determine that the user 100 has completed the application for the above-mentioned withdrawal operation.

In other embodiments, the user 100 can also set up multiple specific financial accounts at one time, and the voiceprint identification authentication system 200 will accordingly request the financial institutions corresponding to each specific financial account to confirm whether these specific financial accounts are individually corresponding to the usage 100. For the relevant details, reference can be made to the previous description, which will not be repeated here.

In one embodiment, the voiceprint identification authentication system 200 can also set a withdrawal notification form (eg, SMS, email) for the user 100 to perform the above-mentioned withdrawal operation, so that the user 100 can perform the withdrawal operation in the above-mentioned manner in the future. The user 100 is notified in the form of the above-mentioned withdrawal notification, but it is not limited to this. In addition, the voiceprint identification authentication system 200 can also transmit the relevant setting result back to the electronic device 110 to notify the user 100 that the application has been completed, but it is not limited to this.

In one embodiment, after completing the flow of FIG. 2A and FIG. 2B , the user 100 can perform a cash withdrawal operation by inputting the phone number PN to the cash machine 300 without using an ATM card. Details will be illustrated with reference to FIGS. 3A and 3B .

Please refer to FIG. 3A , which is a flow chart of a method for authentication of withdrawal identity according to an embodiment of the present invention, and FIG. 3B is a sequence diagram of signal exchange according to FIG. 3A .

In this embodiment, when the user 100 wants to use the ATM 300 to perform the above-mentioned withdrawal operation, he can select the corresponding function on the ATM 300 and input the phone number PN and the withdrawal identification code WID.

Next, in step S310 , the voiceprint identification authentication system 200 may receive from the cash machine 300 the phone number PN and the cash withdrawal identification code WID input by the user 100 to the cash machine 300 . Next, in step S320, the voiceprint identification authentication system 200 can authenticate the user 100 based on the phone number PN and the withdrawal identification code WID, and request the telecommunication service provider 500 to verify the validity of the phone number PN.

For example, the voiceprint identification authentication system 200 can determine whether the withdrawal identification code WID corresponds to the withdrawal identification code previously set by the user 100 of the phone number PN when applying for the service. If so, the voiceprint identification authentication system 200 can determine that the user 100 has passed the verification and continue to perform subsequent operations; otherwise, it can determine that the user 100 has not passed the verification and reject the user 100 to withdraw money, but not limited thereto.

In addition, the telecommunication service provider 500 may receive the phone number PN from the voiceprint identification authentication system 200, and verify the validity of the phone number PN by judging whether the phone number PN is still in use. In one embodiment, if the telecommunication service provider 500 determines that the phone number PN is still in use, it can determine that the phone number PN is still valid; otherwise, it can determine that the phone number PN is invalid, and provide the corresponding verification result to the voiceprint identification. Authentication system 200.

In one embodiment, if the voiceprint identification authentication system 200 determines that the verification result from the telecommunication service provider 500 indicates that the phone number PN is invalid, the voiceprint identification authentication system 200 can correspondingly refuse the user 100 to withdraw money, but Not limited to this.

In step S330, in response to determining that the user 100 has passed the verification and the telecommunication service provider 500 reports that the phone number PN is valid, the voiceprint identification authentication system 200 may request the ATM 300 to generate voiceprint identification content.

In one embodiment, the cash machine 300 can randomly select at least one specific feature pattern (repeatable) from the above-mentioned feature patterns (ie, patterns P0-P9), and randomly arrange these specific feature patterns to generate the above-mentioned sound. Text recognition content. For example, it is assumed that the ATM 300 selects the patterns P4, P5, P7, and P9 corresponding to the numbers 4, 5, 7, and 9 as specific feature patterns, and arranges these specific feature patterns into patterns P9, P5, and P4 in sequence. , P7, but not limited to this. In addition, for the convenience of description, the arrangement of the specific feature patterns in the voiceprint recognition content is referred to as a specific arrangement, but it is not limited to this.

Afterwards, the ATM 300 can display the generated voiceprint identification content to the user 100 for viewing, and can request the user 100 to input the corresponding voiceprint identification information VID according to the voiceprint identification content. In one embodiment, the user 100 can input the voiceprint identification information VID to the cash machine 300 by, for example, speaking the voiceprint identification content he sees on the cash machine 300 .

As mentioned above, since the above voiceprint recognition content is assumed to include the patterns P9, P5, P4, and P7 corresponding to the numbers 9, 5, 4, and 7 in sequence, the user 100 can, for example, respond to the ATM 300 accordingly. The voice input unit (such as a microphone) on the upper part speaks "9, 5, 4, 7" to input the voiceprint identification information VID to the cash machine 300, but it is not limited to this.

In one embodiment, after the ATM 300 generates the above-mentioned voiceprint recognition content, the voiceprint recognition identity authentication system 200 may perform step S340 to search for a plurality of pre-stored voiceprints corresponding to the user 100 based on the voiceprint recognition content. multiple specific voiceprints. For example, the voiceprint identification and authentication system 200 may find the voiceprints corresponding to the above-mentioned specific characteristic patterns in the above-mentioned pre-stored voiceprints as the plurality of specific voiceprints. That is, the voiceprint identification authentication system 200 can find out the voiceprints corresponding to the patterns P4, P5, P7 and P9 (ie, specific feature patterns) in the above-mentioned pre-stored voiceprints (for example, the pre-stored voiceprints VP4, VP5, VP7 and VP9) as the above-mentioned specific voiceprint, but not limited to this.

Then, in step S350, the voiceprint identification authentication system 200 may receive from the cash machine 300 the voiceprint identification information VID input by the user 100 to the cash machine in response to the voiceprint identification content.

In one embodiment, the voiceprint identification authentication system 200 can determine whether the voiceprint identification information VID matches the plurality of specific voiceprints. For example, the voiceprint recognition and authentication system 200 can arrange the plurality of specific voiceprints according to the above-mentioned specific arrangement, and the plurality of specific voiceprints after the arrangement can be pre-stored voiceprints VP9, VP5, VP4, VP7. Afterwards, the voiceprint identification authentication system 200 can convert the voiceprint identification information VID into a voiceprint sequence to be compared, wherein the voiceprint sequence to be compared includes a plurality of voiceprints to be compared (for example, corresponding to The voiceprint of "9, 5, 4, 7" spoken by the user 100).

Next, the voiceprint identification and authentication system 200 can determine whether the to-be-compared voiceprint sequence matches the arranged specific voiceprint. If not, the voiceprint identification authentication system 200 may, for example, refuse the user 100 to withdraw money, but is not limited thereto.

On the other hand, in response to determining that the to-be-compared voiceprint sequence (for example, the voiceprints corresponding to "9, 5, 4, 7" spoken by the user 100 respectively) matches the arranged specific voiceprints (ie The pre-stored voiceprints VP9, VP5, VP4, and VP7 corresponding to numbers 9, 5, 4, and 7 respectively), the voiceprint identification and authentication system 200 can accordingly determine that the voiceprint identification information VID matches the above-mentioned specific voiceprint, but may not limited to this.

Then, in step S360 , in response to determining that the voiceprint identification information VID matches the plurality of specific voiceprints, the voiceprint identification authentication system 200 may allow the user 100 to withdraw money through the ATM 300 .

In one embodiment, after the voiceprint identification authentication system 200 allows the user 100 to withdraw money through the ATM 300 , the voiceprint identification authentication system 200 may request the ATM 300 to display a message corresponding to the user 100 . or multiple specific financial accounts (eg, specific financial accounts AC) for the user 100 to select on the cash machine 300 .

In one embodiment, assuming that the user 100 chooses to withdraw money from a specific financial account AC, he may, for example, select the specific financial account AC on the ATM 300 and input the required withdrawal amount M1. In response to the ATM 300 determining that the user 100 has selected the specific financial account AC and input the withdrawal amount M1, the ATM 300 may notify the specific financial account AC and the withdrawal amount M1 to the specific financial institution to which the specific financial account AC belongs (ie, , Financial Institutions 400).

After that, the financial institution 400 may determine whether to allow the user 100 to withdraw the withdrawal amount M1 from the specific financial account AC. For example, the financial institution 400 may determine whether the balance in the specific financial account AC is greater than or equal to the withdrawal amount M1. If so, the financial institution 400 may determine to allow the user 100 to withdraw the withdrawal amount M1 from the specific financial account AC, otherwise, the financial institution 400 may not allow the user 100 to withdraw the withdrawal amount M1 from the specific financial account AC, but not limited thereto.

In one embodiment, in response to the financial institution 400 determining that the user 100 is allowed to withdraw the withdrawal amount M1 from the specific financial account AC, the financial institution 400 may reply to the ATM 300 with a debit result R1, wherein the debit result R1 For example, the cash machine 300 may be required to provide cash corresponding to the withdrawn amount M1, and the cash machine 300 may be required to present the account balance after the withdrawal, etc., but not limited thereto.

Afterwards, the ATM 300 may perform a cash dispensing operation based on the deduction result R1, so as to provide the user 100 with cash corresponding to the withdrawal amount M1, but it is not limited thereto.

To sum up, the identity authentication method for withdrawal provided by the present invention allows the user to perform a cardless withdrawal operation by inputting the phone number and the withdrawal identification code at the ATM. Correspondingly, the ATM can transmit the user's input information to the voiceprint identification authentication system for identity authentication. After passing the authentication, the ATM can display the voiceprint recognition content, and the user can transmit the voiceprint recognition information input by the user to the voiceprint identification authentication system through the voice input unit of the ATM for voiceprint recognition. After determining that the user has passed the voiceprint identification, the voiceprint identification authentication system can send the user's set withdrawal information to the bank server for authorization confirmation, and after the financial institution has passed the verification, it can send the deduction result to the ATM. Based on this, the cash dispenser can perform the operation of dispensing cash accordingly, so as to allow the user to complete the cash withdrawal operation.

In this way, when the user does not carry the mobile phone or the ATM card, there is still a way to complete the withdrawal operation, thereby reducing the inconvenience of the user being unable to withdraw money because the user does not carry the certificate or the ATM card. In addition, since the user needs to input the phone number, the withdrawal identification code and the correct voiceprint identification information to withdraw money, the present invention can enhance the security and reliability by means of multi-factor authentication.

Furthermore, since the present invention allows the user to withdraw money by using the phone number and the withdrawal identification code, the user does not need to memorize the lengthy bank account number, thereby improving the convenience of use. In addition, by allowing users to set up one or more specific financial accounts, in addition to increasing the flexibility of operations, it is also possible to perform inter-bank withdrawal operations. In addition, since the ATM randomly generates the voiceprint identification content, the risk of fraudulent claim due to the user's voiceprint being stolen can be reduced.

Although the present invention has been disclosed above by the embodiments, it is not intended to limit the present invention. Anyone with ordinary knowledge in the technical field can make some changes and modifications without departing from the spirit and scope of the present invention. Therefore, The protection scope of the present invention shall be determined by the scope of the appended patent application.

10: Withdrawal authentication system 100: user 110: Electronic Devices 200: Voiceprint Identification Authentication System 300: ATM 400: Financial Institutions 500: Telecom Service Provider PN: phone number UU: Identity Information AC: Specified Financial Account WID: Withdrawal Identifier VID: Voiceprint Identification Information M1: Withdrawal amount R1: Debit result S210~S260, S310~S360: Steps

FIG. 1 is a schematic diagram of a withdrawal authentication system according to an embodiment of the present invention. FIG. 2A is a flowchart of a service application according to an embodiment of the present invention. FIG. 2B is a signal exchange timing diagram according to FIG. 2A . FIG. 3A is a flowchart of a method for authentication of withdrawal identity according to an embodiment of the present invention. FIG. 3B is a signal exchange timing diagram according to FIG. 3A .

S310~S360: Steps

Claims (8)

A withdrawal identity authentication method, including: Receive, from a cash machine, a phone number and a cash withdrawal identification code entered by a user into the cash machine by a single-tone fingerprint identification authentication system; verifying the user based on the phone number and the withdrawal identification code by the voiceprint identification authentication system, and requesting a telecommunication service provider to verify the validity of the phone number; In response to determining that the user has passed the verification and the telecommunications service provider reports that the phone number is valid, the voiceprint identification authentication system requests the ATM to generate voiceprint identification content; receiving, by the voiceprint identification authentication system, from the cash machine the voiceprint identification information input by the user to the cash dispenser in response to the voiceprint identification content; finding a plurality of specific voiceprints from a plurality of pre-stored voiceprints corresponding to the user based on the voiceprint recognition content by the voiceprint identification authentication system; and In response to determining that the voiceprint identification information matches the specific voiceprints, the voiceprint identification authentication system allows the user to perform the withdrawal operation through the cash machine. The method of claim 1, wherein before the step of receiving, by the voiceprint identification authentication system from the ATM, the phone number and the ATM code input by the user to the ATM, the Methods include: Receive the phone number and identity information provided by the user from an electronic device corresponding to the user by the voiceprint identification authentication system, and request the telecommunication service provider to confirm whether the phone number matches the identity of the user News; In response to determining that the telecommunications service provider has confirmed that the phone number matches the identity information of the user, the voiceprint identification authentication system requires the user to set the withdrawal identification code, and requires the user to record a number corresponding to multiple a plurality of sound signals of a characteristic pattern; converting the voice signals into the pre-stored voiceprints by the voiceprint identification authentication system; requesting the user to provide a specific financial account by the voiceprint authentication system; requesting, by the voiceprint identification authentication system, a specific financial institution to which the specific financial account belongs to confirm whether the specific financial account corresponds to the user; In response to determining that the specific financial institution confirms that the specific financial account corresponds to the user, the voiceprint identification authentication system determines that the user has completed the application for the withdrawal operation. The method of claim 2, wherein after the voiceprint identification authentication system determines that the user has completed the step of applying for the withdrawal operation, further comprising: A withdrawal notification form for the user to perform the withdrawal operation is set by the voiceprint identification authentication system. The method of claim 2, wherein the voiceprint recognition content includes a specific arrangement of at least one specific feature pattern among the feature patterns. The method of claim 4, wherein the step of finding the specific voiceprints from the pre-stored voiceprints corresponding to the user based on the voiceprint recognition content by the voiceprint identification authentication system comprises: At least one voiceprint corresponding to the at least one specific feature pattern is found among the pre-stored voiceprints as the specific voiceprints. The method according to claim 5, further comprising: Arranging the specific voiceprints according to the specific arrangement; and Converting the voiceprint identification information into a voiceprint sequence to be compared, wherein the voiceprint sequence to be compared includes a plurality of voiceprints to be compared in sequence; In response to determining that the to-be-compared voiceprint sequence matches the arranged specific voiceprints, it is determined that the voiceprint identification information matches the specific voiceprints. The method of claim 1, wherein after the step of allowing the user to perform the withdrawal operation through the ATM by the voiceprint identification authentication system, further comprising: requesting the ATM to display a specific financial account corresponding to the user by the voiceprint identification authentication system; In response to the ATM determining that the user has selected the specific financial account and input a withdrawal amount, the ATM notifies a specific financial institution to which the specific financial account belongs to the specific financial account and the withdrawal amount; In response to the specific financial institution determining that the user is permitted to withdraw the withdrawal amount from the specific financial account, the specific financial institution returns a debit result to the ATM; and A cash dispenser operation is performed by the ATM based on the deduction result. A withdrawal identity authentication system, comprising: A sound-print identification authentication system configured to: receiving from a cash machine a phone number and a cash withdrawal identification code entered by a user into the cash machine; Authenticate the user based on the phone number and the withdrawal ID, and request a telecommunication service provider to verify the validity of the phone number; In response to determining that the user has passed the verification and the telecommunications service provider reports that the number is valid, requesting the ATM to generate a voiceprint identification content; Receive, from the cash machine, the voiceprint recognition information input by the user to the cash machine in response to the voiceprint recognition content; finding a plurality of specific voiceprints from a plurality of pre-stored voiceprints corresponding to the user based on the voiceprint recognition content; and In response to determining that the voiceprint identification information matches the specific voiceprints, the user is allowed to perform the withdrawal operation through the ATM.

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