CN106097601A - Banking system and the method for account is entered without card intelligence - Google Patents
Banking system and the method for account is entered without card intelligence Download PDFInfo
- Publication number
- CN106097601A CN106097601A CN201610409932.0A CN201610409932A CN106097601A CN 106097601 A CN106097601 A CN 106097601A CN 201610409932 A CN201610409932 A CN 201610409932A CN 106097601 A CN106097601 A CN 106097601A
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Classifications
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- G—PHYSICS
- G07—CHECKING-DEVICES
- G07F—COIN-FREED OR LIKE APPARATUS
- G07F19/00—Complete banking systems; Coded card-freed arrangements adapted for dispensing or receiving monies or the like and posting such transactions to existing accounts, e.g. automatic teller machines
- G07F19/20—Automatic teller machines [ATMs]
- G07F19/201—Accessories 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
-
- 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
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- Business, Economics & Management (AREA)
- Accounting & Taxation (AREA)
- Finance (AREA)
- Physics & Mathematics (AREA)
- General Physics & Mathematics (AREA)
- Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)
- Collating Specific Patterns (AREA)
Abstract
The present invention relates to without card, the banking system technical field of intelligence, concrete nothing card intelligence enters the banking system of account, including: enter the authentication module of this system, including the face recognition module for identifying face；User authentication information sending module, is used for sending user authentication information to background server；User authentication information accepts module, for accepting the result that background server returns；Message processing module, is used for showing all of bank account information of user and for processing Transaction Information.Present configuration is simple, practical.
Description
Technical field
The present invention relates to, without card, the banking system technical field of intelligence, be specially the department of banking entering account without card intelligence
System and method.
Background technology
Traditional automatic teller machine, need bank card and password could entrance system, and Central Bank announces " within 2013, pays body
System runs general status " data shows, by 2013 end of the years, the whole nation adds up the bank of issue and blocks 42.14 hundred million, has silver per capita
Going and block 3.11, wherein, the credit card has 0.29 per capita, and the annual huge fund that will consume of country, in fabrication, wastes in fabrication
Substantial amounts of resource；Meanwhile, the easy demagnetization of bank card or loss, card need to be made up, a period of time of period can not withdraw cash；Now
Everyone has several bank cards, and each bank card is both needed to arrange password, easily forgets, management is relatively inconvenient；Card is lost
Miss the season, easily acted as fraudulent substitute for a person by people, steal debt.
Traditional withdrawal system, when offender steals other people bank card and password, just can steal other people money,
Cause financial crime more and more universal.
The personnel no matter fugitive offender or society break one's promise, insert bank card and input password and all can take on automatic teller machine
Money, the existing measure (air ticket or ticket etc. can not be ordered) that the society personnel of breaking one's promise are taked, often it is not enough to it is caused shadow
Ring, cause the society personnel that break one's promise unbridled；Fugitive offender then obtains source of finance by this leak, most probably to society
Masses can cause secondary injury.
Summary of the invention
The deficiency existed for prior art, it is an object of the invention to provide a kind of reduction fabrication cost, reduces finance
Crime, reduction crime rate, improve the banking system without card intelligence entrance account and the method for social credibility.
For achieving the above object, the technical scheme is that the banking system entering account without card intelligence, bag
Include:
Enter the authentication module of this system, including the face recognition module for identifying face；
User authentication information sending module, is used for sending user authentication information to background server；
User authentication information accepts module, for accepting the result that background server returns；
Message processing module, is used for showing all of bank account information of user and for processing Transaction Information.
The present invention is further arranged to, and authentication module also includes fingerprint identification module, is used for identifying somatic fingerprint.
The present invention is further arranged to, and authentication module also includes password authentication module, for verifying the password that user inputs.
The present invention is further arranged to, and also includes alarm module, for sending early warning according to the result to public security officer
Prompting.
The present invention is further arranged to, and also includes infrared sensing module, exists for perception user or leaves, until user
Withdraw the money complete, leave scene, and dependent instruction is sent to background server.
The method entering account without card intelligence, specifically comprises the following steps that
A. face is directed at the face recognition module being located on ATM by user；
B. the sending module in ATM sends user authentication information to background server；
C. the module that accepts in ATM accepts the result that background server returns；
D. the message processing module in ATM first shows all bank account informations reprocessing user having verified that by user
Transaction Information.
Contrast the deficiencies in the prior art, the beneficial effect that the technical scheme that the present invention provides is brought: 1. deposited by intelligence
Withdraw the money design, it is not necessary to do real card, saved fabrication cost；Reduce crime rate；Improve social credibility；Reduce financial crime,
All bank card centralized management, improves the quality of living and efficiency.
Accompanying drawing explanation
Fig. 1 is the schematic flow sheet of the present invention.
Detailed description of the invention
With reference to Fig. 1, the present invention will be further described, and the embodiment party of the present invention is described by particular specific embodiment below
Formula, the content that those skilled in the art can be disclosed by this specification understands other advantages and effect of the present invention easily.
By specific embodiment, the banking system without card intelligence entrance account and the method for the present invention will be carried out below
Detailed description.
It should be noted that in order to coordinate the present invention, user needs the bank (such as People's Bank of China) specified to do
" block ", and the corresponding information of typing, such as user face head portrait, fingerprint, password and identity card etc., it should be noted that: this
" card " at place is virtual card, and then reduces fabrication cost, is also prevented from card demagnetization or loss and the phenomenon that can not withdraw cash is sent out
Raw；The phenomenon being also prevented from being assumed another's name to steal by other people occurs.
In order to eliminate withdrawal must band go to bank card defect, reduce fabrication cost, the rate that diminishes crime and improve society
Meeting credit, spy has invented the banking system entering account without card intelligence, including:
Enter the authentication module of this system, including for identifying the face recognition module of face, fingerprint identification module, be used for identifying
Somatic fingerprint, password authentication module, for verifying the password that user inputs, three be verified simultaneously by after be allowed for access and be
System；It should be noted that simultaneously to prevent As time goes on, face is it would appear that change (aging, wrinkle), and face
Identification module can not normally identify, is provided with more new module especially, and for the renewal face of timing, the bank that goes of user's timing weighs
New typing face head portrait, more new module will update user face head portrait；
User authentication information sending module, is used for sending user authentication information (identify face, identify fingerprint and recognition code)
To background server；
User authentication information accepts module, for accepting the result that background server returns；Made by background server and testing
Card result, if by checking, if not by (be likely to be due to user's head portrait do not upgrade in time cause identifying unclear), then returned
System home page, if passed through, then carries out next step operation；
Also include alarm module, for sending early warning according to the result to public security officer；It should be noted that the police can
The information (information of typing appointed bank when opening an account) such as fugitive offender or the head portrait of the personnel that break one's promise, fingerprint are taken on backstage
Business device is respectively labeled as blacklist personnel and the personnel that break one's promise, if offender carries out the checking of withdrawal, then backstage takes
Business device is by carrying out the information (blacklists such as the user authentication information of withdrawal checking and fugitive offender's head portrait, fingerprint
Personnel) compare, if being verified as fugitive offender, background server verify and do not pass through, then return system home page, make
Fugitive offender loses source of finance, sends early warning and by fugitive crime according to the result to public security officer simultaneously
The cash dispenser specific address withdrawn the money in molecule place is sent to public security department, in order to public security (police) is arrested fugitive crime early and divided
Son, the phenomenon of secondary crime occurs to prevent fugitive offender from occurring；If being verified as the personnel of breaking one's promise, background server verify
Do not pass through, then return system home page, unless it relieves the identity of the personnel of breaking one's promise to relevant departments, could normal operating business
(such as withdrawal), gives personnel one lesson of breaking one's promise, is conducive to improving social credibility；
Message processing module, is used for showing all of bank account information of user, self all of bank account can be entered by user
Row operation, the bank account of all banks that user is done shows the most in such a system, and all accounts of oneself can be entered by user
Row centralized management, convenient management, improve the quality of living and efficiency；Message processing module is for processing the transaction letter of user operation
Breath.
Customer transaction information sending module, is used for sending Transaction Information to background server；
Customer transaction information receiving module, for receiving the transaction results that background server returns；
Perform module, for judging to deposit paper money, take paper money or process other business according to transaction results, and then grasp accordingly
Make, it is achieved that deposit paper money without card, take other business such as paper money, remittance；
Also include infrared sensing module, exist for perception user or leave, until user withdraws the money complete, leave scene, and will
Dependent instruction is sent to background server, and background server makes system can arrive homepage.
It should be noted that in order to coordinate the present invention, user needs the bank (such as People's Bank of China) of regulation to do
" block ", and the corresponding information of typing, such as user face head portrait, fingerprint, password and identity card, and in each bank can install
If the ATM of present system, and ATM display screen initial page is system home page, wherein, ATM is self-service automatic teller machine.
In order to eliminate withdrawal must band go to bank card defect, reduce fabrication cost, the rate that diminishes crime and improve society
Meeting credit, spy has invented the method entering account without card intelligence, has specifically comprised the following steps that
A. face is directed at the face recognition module being located on ATM by user, it should be noted that user herein is for having life
People's (and non-photograph, plaster statue etc.) of life feature, finger corresponding to the fingerprint being logged in bank carries out fingerprint recognition simultaneously,
And input the password of entrance system；Offender relatively just can steal other people money in the case of obtaining traditional bank card and password
Wealth, the financial theftproof performance of the present invention is more preferable, and then reduces through melting crime；
B. the sending module in ATM sends user authentication information information such as () face, fingerprint and passwords to background server；
C. the module that accepts in ATM accepts the result that background server returns；Checking knot is made by background server
Really, if by checking, if do not passed through, then return system home page, if passed through, then carry out next step operation；
D. the alarm module in ATM sends early warning according to the result to public security officer；It should be noted that public security
System can be by the head portrait typing background server of fugitive offender or the personnel that break one's promise, if offender carries out withdrawal
Checking, then background server by carry out the user authentication information of withdrawal checking and fugitive offender's head portrait,
Fingerprint is compared, if being verified as fugitive offender, background server verifies and does not passes through, then return system home page, make
Fugitive offender loses source of finance, sends early warning will be according to the result to public security officer (police) simultaneously
The cash dispenser specific address escaping to withdraw the money at offender place is sent to public security department (police), in order to escaped criminal is arrested in public security early
Crime molecule, the phenomenon of secondary crime occurs to prevent fugitive offender from occurring；If being verified as the personnel of breaking one's promise, by background server
Checking is not passed through, then return system home page, unless it relieves the identity of the personnel of breaking one's promise to relevant departments, and could normal operating industry
Business (such as withdrawal), gives personnel one lesson of breaking one's promise, is conducive to improving social credibility；
The ATM that can will be equipped with present system is arranged on some ground facilitating offender to run away of airport, harbour, station etc.
Point, once offender's attempt is withdrawn cash, and after face, fingerprint and password authentification, background server will take above measure
(report to the police and send particular location), and then the strong assistance police fugitive offender of strike.
E. the message processing module in ATM first shows all bank account informations reprocessing having verified that by user
The Transaction Information of user, is used for showing all of bank account information of user, self all of bank account can be carried out by user
Operation, the bank account of all banks that user is done shows the most in such a system, and all accounts of oneself can be carried out by user
Centralized management；Message processing module is for processing the Transaction Information of user operation.
F. the customer transaction information sending module in ATM, is used for sending Transaction Information to background server；
G. the customer transaction information receiving module in ATM, for receiving the transaction results that background server returns；
H. the execution module in ATM, for judging to deposit paper money, take paper money, remittance etc. according to transaction results, and then carries out corresponding
Operation, it is achieved that deposit paper money without card, take paper money, remittance etc.；
The most infrared sensing module, exists for perception user or leaves, until user withdraws the money complete, leaves scene, and will be relevant
Instruction is sent to background server, and background server makes system return to homepage.
The pos machine that can will be equipped with present system is arranged on the consumption places such as supermarket, market, hotel, and consumer can be not
Carry when anything (such as mobile phone, wallet), only enter system by face, fingerprint and password, it is achieved payment by the transfer of accounts or
Swipe the card other means of payment such as payment, and then achieve without card, without the consumption pattern of mobile phone (Alipay), prevent megastore,
The phenomenon that supermarket causes money and goods stolen because of sea of people occurs.
The present invention is designed by intellectual access money, it is not necessary to do real card, has saved fabrication cost；Reduce crime rate；Improve
Social credibility；Reduce financial crime.
The foregoing is only presently preferred embodiments of the present invention, not in order to limit the present invention, those skilled in the art exists
Carry out common variations and alternatives in the range of technical solution of the present invention all should comprise within the scope of the present invention.
Claims (6)
1. enter the banking system of account without card intelligence, it is characterised in that including:
Enter the authentication module of this system, including the face recognition module for identifying face；
User authentication information sending module, is used for sending user authentication information to background server；
User authentication information accepts module, for accepting the result that background server returns；
Message processing module, is used for showing all of bank account information of user and for processing Transaction Information.
The banking system entering account without card intelligence the most according to claim 1, it is characterised in that authentication module also includes
Fingerprint identification module, is used for identifying somatic fingerprint.
The banking system entering account without card intelligence the most according to claim 2, it is characterised in that authentication module also includes
Password authentication module, for verifying the password that user inputs.
The banking system entering account without card intelligence the most according to claim 1, it is characterised in that also include warning mould
Block, for sending early warning according to the result to public security officer.
The banking system entering account without card intelligence the most according to claim 1, it is characterised in that also include infrared perception
Module, exists for perception user or leaves, until user withdraws the money complete, leaves scene, and dependent instruction is sent to backstage
Server.
6. the method entering account without card intelligence, it is characterised in that specifically comprise the following steps that
A. face is directed at the face recognition module being located on ATM by user；
B. the sending module in ATM sends user authentication information to background server；
C. the module that accepts in ATM accepts the result that background server returns；
D. the message processing module in ATM first shows all bank account informations reprocessing user having verified that by user
Transaction Information.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201610409932.0A CN106097601A (en) | 2016-06-12 | 2016-06-12 | Banking system and the method for account is entered without card intelligence |
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201610409932.0A CN106097601A (en) | 2016-06-12 | 2016-06-12 | Banking system and the method for account is entered without card intelligence |
Publications (1)
| Publication Number | Publication Date |
|---|---|
| CN106097601A true CN106097601A (en) | 2016-11-09 |
Family
ID=57229112
Family Applications (1)
| Application Number | Title | Priority Date | Filing Date |
|---|---|---|---|
| CN201610409932.0A Pending CN106097601A (en) | 2016-06-12 | 2016-06-12 | Banking system and the method for account is entered without card intelligence |
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Cited By (4)
| Publication number | Priority date | Publication date | Assignee | Title |
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| CN107170148A (en) * | 2017-05-17 | 2017-09-15 | 北京声迅电子股份有限公司 | A kind of the anti-of ATM installs robber's card device early warning system and method additional |
| CN107610370A (en) * | 2017-08-29 | 2018-01-19 | 深圳怡化电脑股份有限公司 | Not plug-in card ATM and not plug-in card financial trade method |
| CN107845191A (en) * | 2017-11-22 | 2018-03-27 | 崔海浪 | A kind of finger-print card service and its ETM machine systems being used cooperatively |
| CN110379093A (en) * | 2019-05-30 | 2019-10-25 | 郑州中软高科信息技术有限公司 | A kind of automated teller system and method based on human identity information identification |
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Cited By (4)
| Publication number | Priority date | Publication date | Assignee | Title |
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| CN107170148A (en) * | 2017-05-17 | 2017-09-15 | 北京声迅电子股份有限公司 | A kind of the anti-of ATM installs robber's card device early warning system and method additional |
| CN107610370A (en) * | 2017-08-29 | 2018-01-19 | 深圳怡化电脑股份有限公司 | Not plug-in card ATM and not plug-in card financial trade method |
| CN107845191A (en) * | 2017-11-22 | 2018-03-27 | 崔海浪 | A kind of finger-print card service and its ETM machine systems being used cooperatively |
| CN110379093A (en) * | 2019-05-30 | 2019-10-25 | 郑州中软高科信息技术有限公司 | A kind of automated teller system and method based on human identity information identification |
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| PB01 | Publication | ||
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Application publication date: 20161109 |