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Card-free withdrawing method, device, equipment and storage medium

A technology of financial equipment and identity information, applied in the field of data processing, can solve the problems of inability to withdraw cash from bank cards, inconvenience, insecurity, etc., to save cost and time, reduce links and costs, and enhance convenience and security. Effect

Inactive Publication Date: 2018-01-26
SHENZHEN YIHUA COMP +2
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  • Summary
  • Abstract
  • Description
  • Claims
  • Application Information

AI Technical Summary

Problems solved by technology

[0003] However, this traditional method of operation has brought many inconveniences or unsafe places. For example, when a withdrawer goes to a bank or an ATM to withdraw cash, he cannot withdraw cash without a bank card, and the bank card is damaged. If you cannot withdraw cash, you need to reapply

Method used

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  • Card-free withdrawing method, device, equipment and storage medium
  • Card-free withdrawing method, device, equipment and storage medium
  • Card-free withdrawing method, device, equipment and storage medium

Examples

Experimental program
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Effect test

Embodiment 1

[0021] Please refer to the attached figure 1 , is a schematic flow chart of a cardless withdrawal method provided in Embodiment 1 of the present invention. This method is applicable to the scene where a user withdraws money through a self-service financial device of a bank or financial institution. The method is executed by a cardless withdrawal device. It can be implemented by software and / or hardware, and integrated inside the self-service financial equipment. The method specifically includes the following steps:

[0022] S101. Receive a no-card withdrawal request.

[0023] It should be noted that the device that receives the cash withdrawal request without a card is an automatic teller machine, and the automatic teller machine includes an ordinary automatic teller machine and a special automatic teller machine without a card.

[0024] In one embodiment, preferably, ordinary ATMs provide both card-free and cardless withdrawal methods. When a cashier wants to withdraw cash ...

Embodiment 2

[0038] Such as figure 2 As shown, the cardless withdrawal method provided by Embodiment 2 of the present invention is based on the technical solution provided by Embodiment 1, and for step S102 "according to the preset collection rules, collect the biometric information of the person who withdraws the money, and select it from the preset In the feature database, determine the further optimization of the identity information of the withdrawer related to the biometric information". Wherein, the biological feature information includes face feature information and voiceprint feature information. Explanations of terms that are the same as or corresponding to the above embodiments are not repeated here. which is:

[0039] Collect the face feature information of the person who withdraws money; according to the face feature information, detect whether there is template face feature information matching the face feature information in the preset feature database; when the existence ...

Embodiment 3

[0062] image 3 It is a schematic flowchart of a cardless withdrawal method provided by Embodiment 3 of the present invention. On the basis of Embodiment 2, this embodiment optimizes the method before collecting the voice information of the person who withdraws money. Explanations of terms that are the same as or corresponding to the above-mentioned embodiments will not be repeated here. For details, please refer to image 3 , the method includes:

[0063] S301. Receive a no-card withdrawal request.

[0064] S302. Collect facial feature information of the person who withdraws money.

[0065] S303. According to the face feature information, detect whether there is template face feature information matching the face feature information in the preset feature database.

[0066] S304. When the existence is detected, display a set text on the display screen for collecting the voice information of the payer, and prompt the payer to read it aloud.

[0067] It should be noted that ...

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Abstract

An embodiment of the invention discloses a card-free withdrawing method, a device, equipment and a storage medium. The method is applied to a self-service financial device, and includes steps of receiving a card-free withdrawing request; collecting biological characteristic information of a withdrawer according to a preset collecting rule, and conforming the identity information of the withdrawerfrom a preset characteristic database; confirming a bank account bound with the identity information and used for the card-free withdrawing according to the identity information; inputting withdrawingamount at a withdrawing interface of the bank account, and completing the card-free withdrawing. In the technical scheme of the embodiment, the card-free withdrawing method and device can effectivelyprevent criminal offenders from taking money after stealing the bank card information by means of the uniqueness and stability of the biological characteristic information; compared with a traditional withdrawing method, the withdrawing at any time and any place can be realized in the absence of bank card, deposit book, password and mobile phone; thus the convenience and safety of withdrawing areenhanced, the card making link is reduced, and the cost and time are saved.

Description

technical field [0001] The embodiment of the present invention relates to the technical field of data processing, and in particular to a cardless withdrawal method, device, equipment and storage medium. Background technique [0002] At present, all ATM cash machines on the world use bank cards to withdraw cash. Specifically, ATM cash machines need to read the bank card information of the payer first, and then prompt the payer to enter a password. Operations such as balance inquiries, cash withdrawals, and transfers between bank accounts can be performed only after they are correct. [0003] However, this traditional method of operation has brought many inconveniences or unsafe places. For example, when a withdrawer goes to a bank or an ATM to withdraw cash, he cannot withdraw cash without a bank card, and the bank card is damaged. If you cannot withdraw cash, you need to reapply. In addition, once the bank card of the cashier is stolen or forgotten, its identity is easily ...

Claims

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Application Information

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IPC IPC(8): G07F19/00G07F7/10G06Q20/18G06Q20/40
Inventor 杨鹏桑波
Owner SHENZHEN YIHUA COMP
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