CN106485851A - A kind of nothing card automatic teller machine and nothing card withdrawal system - Google Patents
A kind of nothing card automatic teller machine and nothing card withdrawal system Download PDFInfo
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- CN106485851A CN106485851A CN201610851265.1A CN201610851265A CN106485851A CN 106485851 A CN106485851 A CN 106485851A CN 201610851265 A CN201610851265 A CN 201610851265A CN 106485851 A CN106485851 A CN 106485851A
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- G—PHYSICS
- G07—CHECKING-DEVICES
- G07F—COIN-FREED OR LIKE APPARATUS
- G07F19/00—Complete banking systems; Coded card-freed arrangements adapted for dispensing or receiving monies or the like and posting such transactions to existing accounts, e.g. automatic teller machines
- G07F19/20—Automatic teller machines [ATMs]
- G07F19/202—Depositing operations within ATMs
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- G—PHYSICS
- 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
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- Accounting & Taxation (AREA)
- Finance (AREA)
- Physics & Mathematics (AREA)
- General Physics & Mathematics (AREA)
- Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)
Abstract
The invention discloses a kind of nothing card automatic teller machine and nothing card withdrawal system, described include nothing card automatic teller machine：Touch screen display module (1), NFC module (2), Response Code scan module (3), communication module (4), identification module (5), currency checking module (6), counting are handled up module (7) and intelligent microcontroller (8).Having provided the user nothing card storage money machine that the present invention is provided safe and reliable is serviced nothing card the deposit or the withdrawal, can also realize carrying out withdrawal service to specified mobile payment account, enrich user nothing card withdrawal function, and, bank card account and mobile payment account need not be remembered, just can simple and fast realize operate nothing card withdrawal, meet people to nothing the simple and efficient safe and reliable diversified demand of card withdrawal.
Description
Technical field
The present invention relates to withdrawal technical field, more particularly to a kind of nothing card automatic teller machine and nothing card withdrawal system.
Background technology
With the development of social economy, in order to realize the convenience of withdrawal, the demand nothing card withdrawal is more and more.
Existing withdrawal generally nothing card is preengage nothing card withdrawal, Mobile banking or Web bank Shen of the client by signing
Please withdraw the money nothing card, bank provides withdrawal information and password after checking client identity and CAMEL-Subscription-Information, and client is defeated in self-service equipment
Enter corresponding withdrawal information and password is realized withdrawing the money nothing card.Reservation withdrawal mode is not convenient, it is difficult to meet the economic activity of people
Demand；And (usually interim mobile phone identifying code or client are certainly for numbering, withdrawal password to need input to withdraw the money during client's withdrawal
The disposal password that row sets) etc. information, both inconvenient, also easily stolen by others.And then need to remember bank nothing card deposit
Card account and password, are inconvenient victory, and cannot deposit money in mobile payment account.
Content of the invention
In order to solve problem of the prior art, embodiments provide a kind of nothing card automatic teller machine and nothing card withdrawal
System.The technical scheme is as follows：
On the one hand, embodiments provide a kind of nothing card automatic teller machine, including：
Touch screen display module, deposits nothing card for receive user or nothing card withdrawal operational order, and shows corresponding nothing
Card is deposited or nothing card withdrawal operating result；
Close range wireless communication (Near Field Communication, referred to as " NFC ") module, mobile whole for receiving
End transmitted by NFC mode nothing card deposit information or nothing card withdrawal information, described include nothing card deposit information：User specifies and deposits
The mobile payment account (Identification referred to as " ID ") of money or bank card number, described include nothing card withdrawal information：Take
The money amount of money and user specify the mobile payment ID or bank card number for deducting fees, mobile payment ID and bank card number all and user
Identity binding；
Response Code scan module, for recognize provide in Quick Response Code that mobile terminal shows nothing card deposit information or nothing card
Withdrawal information；
Communication module, for being communicated with background server by internet, the background server respectively with mobile payment
Platform and the connection of bank net Platform communication；
Identification module, for being coordinated with communication module, is known using the identity identification information stored in background server
The identity of other user；
Currency checking module, for checking the true and false of banknote；
Counting is handled up module, for the number for detecting deposit or withdraw the money, and receives or provide corresponding debt；
Intelligent microcontroller, respectively with touch screen display module, NFC module, Response Code scan module, communication module, identity
Identification module, currency checking module and counting handle up module connection, for when receive user nothing card withdrawal operational order when,
By the identity of the identification module identifying user, and when the identity of user is by checking, will be by the NFC module
Or the Response Code scan module get be uploaded to background server nothing card withdrawal information, and sent according to background server
Operational order of making loans control the counting to handle up module for the corresponding debt of user's granting；
The intelligent microcontroller, is additionally operable to when when instructing of user is received nothing card deposit operation, and control counting is handled up
Module checks user's credit, and the identity by identification module identifying user, then when the identity of user is by testing
During card, upload what credit information and the NFC module or Response Code scan module transmission were come nothing card deposit information
To background server, and the gathering operational order sent according to background server complete corresponding nothing card deposit operation.
The embodiment of the present invention above-mentioned nothing in card automatic teller machine, the identification module, including：
Identity card identification module, is connected with intelligent microcontroller, for obtaining the identity information in user identity card；
Fingerprint identification module, is connected with intelligent microcontroller, for obtaining the finger print information of user；
Photographing module, is connected with intelligent microcontroller, for obtaining the facial image information of user.
The embodiment of the present invention above-mentioned nothing in card automatic teller machine, the intelligent microcontroller, be additionally operable to when by touch screen
When display module receives the withdrawal operational order of user, by the user fingerprints information obtained by fingerprint identification module and pass through
The user's face image information that photographing module is obtained, is uploaded to background server to verify user identity, then when the finger of user
When line information and facial image information are all by verifying, by obtained by the NFC module or the Response Code scan module
Withdrawal information is uploaded to background server, and the operational order of making loans sent according to background server controls the counting to handle up mould
Block provides corresponding debt for user.
The embodiment of the present invention above-mentioned nothing in card automatic teller machine, the intelligent microcontroller, be additionally operable to when by touch screen
When display module receives the withdrawal operational order of user, by the user fingerprints information obtained by fingerprint identification module, pass through
The user's face image information that photographing module is obtained and the user identity card information that identity card identification module is obtained, are uploaded to
To verify user identity, finger print information then as user, facial image information and ID card information all lead to background server
When checking is crossed, the withdrawal information obtained by the NFC module or the Response Code scan module is uploaded to background server,
And the operational order of making loans sent according to background server controls the counting to handle up module for the corresponding debt of user's granting.
The embodiment of the present invention above-mentioned nothing in card automatic teller machine, the intelligent microcontroller, for when being shown by touch screen
When showing that module receives the deposit operation of user and instructs, control counting module of handling up checks user's credit, and will be by finger
User fingerprints information, the user's face image information obtained by photographing module and the identity card that line identification module is obtained is known
At least one of user identity card information that other module is obtained, is uploaded to background server to verify user identity, then when with
The identity at family is by, during checking, credit information and the NFC module or the Response Code scan module being transmitted depositing
Money information is uploaded to background server, and the gathering operational order sent according to background server completes corresponding deposit operation.
The embodiment of the present invention above-mentioned nothing in card automatic teller machine, also include：
Voice module, is connected with intelligent microcontroller, for coordinating with photographing module, the scene access of common record user
Money scene information.
The embodiment of the present invention above-mentioned nothing in card automatic teller machine, also include：
Storage module, is connected with intelligent microcontroller, for backing up the live withdrawal scene information of user.
The embodiment of the present invention above-mentioned nothing in card automatic teller machine, the intelligent microcontroller, be additionally operable to showing user
Field withdrawal scene information is uploaded in background server by communication module and is backed up.
The embodiment of the present invention above-mentioned nothing in card automatic teller machine, also include：
Power supply, for for powering nothing card automatic teller machine；
Power management module, is connected with power supply and intelligent microcontroller respectively, for sending out receiving intelligent microcontroller
The energy-conservation that send is powered after instruction, and control power supply enters energy-conservation powering mode, and the energy-conservation powers instruction for the intelligent microcontroller
Device is detected and is carried out sending when withdrawal is operated without user in preset time period；
The power management module, is additionally operable to after the normal power supply instruction for receiving the transmission of intelligent microcontroller, control
Power supply enters normal power supply pattern, and the normal power supply instruction has detected user for the intelligent microcontroller carries out withdrawal
Send during operation.
On the other hand, embodiments provide a kind of nothing card withdrawal system, including：Mobile terminal, mentioned above
Nothing card automatic teller machine and background server,
Be provided with NFC chip on the mobile terminal, nothing card withdrawal application program (Application, referred to as " APP ")
In at least one, NFC chip binding has mobile payment ID or a bank card number, described can generate bag nothing card withdrawal APP
Containing nothing card deposit information or nothing card withdrawal information dynamic two-dimension code, described include nothing card deposit information：The shifting of user's designated deposit
Dynamic pay ID or bank card number, described include nothing card withdrawal information：Withdraw funds and user specify the mobile payment that deducts fees
ID or bank card number,
Background server is connected with mobile payment platform and bank net Platform communication respectively, the mobile terminal and described
All it is connected with background server by internet nothing card automatic teller machine.
The beneficial effect that technical scheme provided in an embodiment of the present invention is brought is：
By touch screen display module, NFC module, Response Code scan module, communication module, identification module, currency examination mould
Block, counting handle up module and intelligent microcontroller is constituted nothing card automatic teller machine, and this is provided the user nothing card storage money machine
Safe and reliable services nothing card the deposit or the withdrawal, moreover it is possible to realizes carrying out withdrawal service to specified mobile payment account, enriches
User nothing card withdrawal function, and, bank card account and mobile payment account need not be remembered, just can simple and fast realization
Operate nothing card withdrawal, people are met to nothing the simple and efficient safe and reliable diversified demand of card withdrawal.
Description of the drawings
For the technical scheme being illustrated more clearly that in the embodiment of the present invention, below will be to making needed for embodiment description
Accompanying drawing is briefly described, it should be apparent that, drawings in the following description are only some embodiments of the present invention, for
For those of ordinary skill in the art, on the premise of not paying creative work, other can also be obtained according to these accompanying drawings
Accompanying drawing.
Fig. 1 is a kind of structural representation nothing card automatic teller machine that the embodiment of the present invention one is provided；
Fig. 2 is a kind of structural representation of identification module that the embodiment of the present invention one is provided；
Fig. 3 is a kind of structural representation nothing card automatic teller machine that the embodiment of the present invention one is provided；
Fig. 4 is a kind of structural representation nothing card withdrawal system that the embodiment of the present invention two is provided.
Specific embodiment
For making the object, technical solutions and advantages of the present invention clearer, below in conjunction with accompanying drawing to embodiment party of the present invention
Formula is described in further detail.
Embodiment one
Embodiments provide a kind of nothing card automatic teller machine, referring to Fig. 1, this can include nothing card automatic teller machine：
Touch screen display module 1, deposits nothing card for receive user or nothing card withdrawal operational order, and shows corresponding nothing
Card is deposited or nothing card withdrawal operating result.In actual applications, user need select on nothing card automatic teller machine need nothing card
Withdrawal is operated, because this can be integrated with nothing card automatic teller machine existing has card withdrawal operating function.
NFC module 2, for receiving that mobile terminal transmitted by NFC mode nothing card deposit information or nothing card withdrawal information,
Include nothing card deposit information：The mobile payment ID of user's designated deposit or bank card number, include nothing card withdrawal information：Withdraw the money golden
Volume and user specify the mobile payment ID or bank card number for deducting fees.In the present embodiment, mobile payment here can be
The various domestic and international E-Payments such as wechat wallet, Alipay, Apply pay, Samsung pay, hce, Microsoft pay.
Additionally, mobile payment ID or bank card number are all to be associated with the identity of user or bind.
Response Code scan module 3, for recognize provide in Quick Response Code that mobile terminal shows nothing card deposit information or no
Card withdrawal information.
Communication module 4, for being communicated with background server by internet, background server respectively with mobile payment platform
Connect with bank net Platform communication.
Identification module 5, for coordinating with communication module 4, using the identity identification information stored in background server
The identity of identifying user.In actual applications, it is possible to use various authentication technology of identification, for example：Fingerprint identification technology, people
Face technology of identification, identity card identification technology etc..
Currency checking module 6, for checking the true and false of banknote.
Counting is handled up module 7, for the number for detecting deposit or withdraw the money, and receives or provide corresponding debt.
Intelligent microcontroller 8, respectively with touch screen display module 1, NFC module 2, Response Code scan module 3, communication module 4,
Identification module 5, currency checking module 6 and counting module 7 of handling up connects, for when receiving withdrawing the money operation nothing card for user
During instruction, by the identity of 5 identifying user of identification module, and when the identity of user is by checking, will be by NFC module
2 or Response Code scan module 3 get be uploaded to background server (mobile payment ID or bank card number nothing card withdrawal information
Respectively by the mobile payment platform communicated to connect with background server or bank net platform validation), and according to background server
The operational order control counting of making loans for sending handles up module 7 for the corresponding debt of user's granting.
Intelligent microcontroller 8, is additionally operable to when receiving when instructing of user nothing card deposit operation, and control counting is handled up module
7 check user's credit, and the identity by 5 identifying user of identification module, then when the identity of user is by checking
When, get by credit information and by NFC module 2 or Response Code scan module 3 be uploaded to nothing card deposit information after
Platform server, and the gathering operational order sent according to background server complete corresponding nothing card deposit operation.
In the present embodiment, user is only needed to by mobile terminal (for example：Smart mobile phone, Intelligent bracelet, panel computer
Deng) with the interaction nothing card automatic teller machine, you can complete to operate nothing card withdrawal, operating process is convenient and swift, withdrawal process is pacified
Complete reliable, meet the quick convenient and safe of people reliable nothing card withdrawal demand.
Briefly explain nothing card withdrawal process with reference to Fig. 1：
User first selects required depositing nothing card or withdraw the money nothing card to operate on the touch screen display module 1 nothing card automatic teller machine
(it should be noted that nothing being integrated with card withdrawal operation on card automatic teller machine, selecting for user), when user selects
Nothing during card withdrawal operation, user needs to first pass through identification module 5 to verify identity, after the identity of user is verified,
User can be input into the required number that withdraws the money nothing card on mobile terminals, and by NFC mode or the mode of scanning Quick Response Code, will
Transmit to nothing in card automatic teller machine nothing card withdrawal information, will receive nothing card automatic teller machine and backstage is uploaded to nothing card withdrawal information
Server, carries out withdrawal trading processing by background server and mobile payment platform or bank net platform, and to nothing card access
Money machine sends operational order of making loans, and provides corresponding debt nothing card automatic teller machine to user to control.
When user selects deposit nothing card, deposit is put into counting and handles up in module 7 by user, by counting handle up module 7 and
Currency checking module 6 coordinates, and completes checking (when there is counterfeit money, user can be reminded to be reentered into deposit) to credit, and
Show credit on touch screen display module 1, confirmed by user.After user confirms credit, identification mould is first passed through
Block 5 after the identity of user is verified, by NFC mode or the mode of scanning Quick Response Code, will be deposited nothing card verifying identity
Information transfer will be taken to backstage nothing card deposit information and credit information are above-mentioned nothing card automatic teller machine to nothing in card automatic teller machine
Business device, carries out withdrawal trading processing by background server with mobile payment platform or bank net platform, and to nothing card withdrawal
Machine sends gathering operational order, completes corresponding nothing card deposit operation (for example by deposit income nothing in card automatic teller machine).
Additionally, background server can also be sent to withdrawal operation information on mobile terminal, know for user.
Specifically, referring to Fig. 2, identification module 5, can include：
Identity card identification module 51, is connected with intelligent microcontroller 8, for obtaining the identity information in user identity card.
Fingerprint identification module 52, is connected with intelligent microcontroller 8, for obtaining the finger print information of user.
Photographing module 53, is connected with intelligent microcontroller 8, for obtaining the facial image information of user, for recognition of face
Use.
Further, intelligent microcontroller 8, can be also used for when the withdrawal for being received user by touch screen display module 1
During operational order, the user plane that obtains by the user fingerprints information obtained by fingerprint identification module 52 and by photographing module 53
Portion's image information, is uploaded to background server to verify user identity, then when finger print information and the facial image information of user
All by, during checking, the withdrawal information obtained by NFC module 2 or Response Code scan module 3 being uploaded to background server, and
Module 7 is handled up for the corresponding debt of user's granting according to the operational order control counting of making loans that background server sends.
In the present embodiment, when user carries out withdrawing the money nothing card and operates, in order to the security of operation is ensured, fingerprint can be passed through
Identification and recognition of face double verification, ensure the correctness of user profile.
Further, intelligent microcontroller 8, can be also used for when the withdrawal for being received user by touch screen display module 1
During operational order, by the user fingerprints information obtained by fingerprint identification module 52, the user plane obtained by photographing module 53
The user identity card information that portion's image information and identity card identification module 51 are obtained, is uploaded to background server to verify use
Family identity, finger print information then as user, facial image information and ID card information, will be by NFC all by during checking
The withdrawal information that module 2 or Response Code scan module 3 are obtained is uploaded to background server, and according to putting that background server sends
The control counting of money operational order handles up module 7 for the corresponding debt of user's granting.
In the present embodiment, in order to further ensure that the security of subscriber authentication, user can preset setting body
Part card Information Authentication step, such user when withdrawing the money nothing card, can carry out simultaneously three road authentications (fingerprint recognition verify,
Recognition of face checking and ID card information checking), more guarantee the security that withdraws the money nothing card.
Further, intelligent microcontroller 8, can be used for as the deposit behaviour for being received user by touch screen display module 1
When instructing, control counting module 7 of handling up checks user's credit, and the user obtained by fingerprint identification module 52 is referred to
User's body that line information, the user's face image information obtained by photographing module 53 and identity card identification module 51 are obtained
At least one of part card information, is uploaded to background server to verify user identity, then when the identity of user is by checking,
Credit information and NFC module 2 or Response Code scan module 3 are transmitted the deposit information that comes background server is uploaded to, and
Corresponding deposit operation is completed according to the gathering operational order that background server sends.
In the present embodiment, in terms of the authentication that deposits nothing card, without the need for harsh as withdraw the money nothing card, it is only necessary to user
By one or more checking in fingerprint recognition checking, recognition of face checking and ID card information checking.
Alternatively, referring to Fig. 3, can also include nothing card automatic teller machine：
Voice module 12, is connected with intelligent microcontroller 8, and for coordinating with photographing module 53, common record user shows
Field withdrawal scene information.
In the present embodiment, user nothing card withdrawal scene information (including scene video information and voice messaging) need
Record and consult for follow-up, be to save operational error to provide the evidence that remedies.
Further, referring to Fig. 3, can also include nothing card automatic teller machine：
Storage module 9, is connected with intelligent microcontroller 8, for backing up the live withdrawal scene information of user.
Further, intelligent microcontroller 8, is additionally operable to the live withdrawal scene information of user by communication module 4
Upload in background server and backed up.
In the present embodiment, the live withdrawal scene information of user can first be stored in the storage mould nothing card automatic teller machine
In block 9, and backed up in background server, ensured the reliability of live withdrawal scene information storage.
Alternatively, referring to Fig. 3, can also include nothing card automatic teller machine：
Power supply 10, for for powering nothing card automatic teller machine；
Power management module 11, is connected with power supply and intelligent microcontroller 8, respectively for receiving intelligent microcontroller
8 energy-conservations for sending are powered after instruction, and control power supply 10 enters energy-conservation powering mode (for example：The brightness of touch screen display module 1 becomes
Secretly), energy-conservation is powered to instruct and detects preset time period (for example for intelligent microcontroller 8：1 minute) in enter line access without user
Money is sent when operating.
Power management module 11, is additionally operable to after the normal power supply instruction for receiving the transmission of intelligent microcontroller 8, control electricity
Source 10 enters normal power supply pattern (for example：The luminance recovery of touch screen display module 1 is normal), normal power supply instruction is intelligent micro-control
Device processed 8 detects user and carries out sending when withdrawal is operated.
In the present embodiment, this also has power saving function nothing card automatic teller machine, saves operation cost.
The embodiment of the present invention passes through touch screen display module, NFC module, Response Code scan module, communication module, identification
Module, currency checking module, counting handle up module and intelligent microcontroller is constituted nothing card automatic teller machine, and this stores money machine nothing card
Provided the user and safe and reliable serviced nothing card the deposit or the withdrawal, moreover it is possible to realize withdrawal being carried out to specified mobile payment account
Service, enrich user nothing card withdrawal function, and, bank card account and mobile payment account need not be remembered, just can letter
List is efficiently realized operating nothing card withdrawal, meets people to needing nothing the simple and efficient safe and reliable variation of card withdrawal
Ask.
Embodiment two
Embodiments provide a kind of nothing card withdrawal system, referring to Fig. 4, this can be wrapped nothing card withdrawal system
Include：Described in mobile terminal 1 00, embodiment one nothing card automatic teller machine 200 and background server 300.
Be provided with NFC chip in mobile terminal 1 00, nothing in card withdrawal APP at least one, NFC chip binding has movement
ID or bank card number is paid, can be generated comprising nothing card deposit information or nothing card withdrawal information Dynamic Two-dimensional nothing card withdrawal APP
Code, includes nothing card deposit information：The mobile payment ID of user's designated deposit or bank card number, include nothing card withdrawal information：Take
The money amount of money and user specify the mobile payment ID or bank card number for deducting fees.
Background server 300 is connected with mobile payment platform and bank net Platform communication respectively, mobile terminal 1 00 and no
Card automatic teller machine 200 is all connected with background server 300 by internet.
In the present embodiment, nothing the operation principle of card automatic teller machine 200 and nothing card withdrawal process in embodiment one
Have been described, repeat no more here.
The embodiment of the present invention passes through touch screen display module, NFC module, Response Code scan module, communication module, identification
Module, currency checking module, counting handle up module and intelligent microcontroller is constituted nothing card automatic teller machine, and this stores money machine nothing card
Provided the user and safe and reliable serviced nothing card the deposit or the withdrawal, moreover it is possible to realize withdrawal being carried out to specified mobile payment account
Service, enrich user nothing card withdrawal function, and, bank card account and mobile payment account need not be remembered, just can letter
List is efficiently realized operating nothing card withdrawal, meets people to needing nothing the simple and efficient safe and reliable variation of card withdrawal
Ask.
The embodiments of the present invention are for illustration only, do not represent the quality of embodiment.
The foregoing is only presently preferred embodiments of the present invention, not in order to limit the present invention, all spirit in the present invention and
Within principle, any modification, equivalent substitution and improvement that is made etc., should be included within the scope of the present invention.
Claims (10)
1. a kind of nothing card automatic teller machine, it is characterised in that to include：
Touch screen display module (1), deposits nothing card for receive user or nothing card withdrawal operational order, and shows corresponding nothing card
Deposit or nothing card withdrawal operating result；
NFC module (2), for receiving that mobile terminal transmitted by NFC mode nothing card deposit information or nothing card withdrawal information, institute
Stating includes nothing card deposit information：The mobile payment ID of user's designated deposit or bank card number, described include nothing card withdrawal information：
Withdraw funds and user specify the mobile payment ID or bank card number for deducting fees, mobile payment ID and bank card number all with use
Family identity binding；
Response Code scan module (3), for recognize provide in Quick Response Code that mobile terminal shows nothing card deposit information or nothing card
Withdrawal information；
Communication module (4), for being communicated with background server by internet, the background server is flat with mobile payment respectively
Platform and the connection of bank net Platform communication；
Identification module (5), for coordinating with communication module (4), using the identity identification information stored in background server
The identity of identifying user；
Currency checking module (6), for checking the true and false of banknote；
Counting is handled up module (7), for the number for detecting deposit or withdraw the money, and receives or provide corresponding debt；
Intelligent microcontroller (8), respectively with touch screen display module (1), NFC module (2), Response Code scan module (3), communicate mould
Block (4), identification module (5), currency checking module (6) and counting are handled up module (7) connection, for when receiving user's
During nothing card withdrawal operational order, by the identity of the identification module (5) identifying user, and when the identity of user is by testing
During card, by got by the NFC module (2) or the Response Code scan module (3) be uploaded to nothing card withdrawal information after
Platform server, and the operational order of making loans sent according to background server controls the counting to handle up module (7) for user's granting
Corresponding debt；
Intelligent microcontroller (8), are additionally operable to when receiving when instructing of user nothing card deposit operation, and control counting is handled up mould
Block (7) checks user's credit, and by the identity of identification module (5) identifying user, then when the identity of user is led to
When crossing checking, deposit what credit information and the NFC module (2) or the Response Code scan module (3) transmission were come nothing card
Money information is uploaded to background server, and the gathering operational order sent according to background server completes corresponding deposit nothing card and grasps
Make.
2. according to claim 1 nothing card automatic teller machine, it is characterised in that identification module (5), including：
Identity card identification module (51), is connected with intelligent microcontroller (8), for obtaining the identity information in user identity card；
Fingerprint identification module (52), is connected with intelligent microcontroller (8), for obtaining the finger print information of user；
Photographing module (53), is connected with intelligent microcontroller (8), for obtaining the facial image information of user.
3. according to claim 2 nothing card automatic teller machine, it is characterised in that intelligent microcontroller (8), it is additionally operable to work as
Received by touch screen display module (1) user withdrawal operational order when, the use that will be obtained by fingerprint identification module (52)
Family finger print information and the user's face image information obtained by photographing module (53), are uploaded to background server to verify user
Identity, then when the finger print information of user and facial image information are all by checking, will be by the NFC module (2) or institute
State the withdrawal information that Response Code scan module (3) obtains and background server is uploaded to, and according to making loans that background server sends
Operational order controls the counting to handle up module (7) for the corresponding debt of user's granting.
4. according to claim 2 nothing card automatic teller machine, it is characterised in that intelligent microcontroller (8), it is additionally operable to work as
Received by touch screen display module (1) user withdrawal operational order when, the use that will be obtained by fingerprint identification module (52)
Family finger print information, the user's face image information obtained by photographing module (53) and identity card identification module (51) are obtained
User identity card information, be uploaded to background server to verify user identity, finger print information then as user, face-image
Information and ID card information will be all by, during checking, being obtained by the NFC module (2) or the Response Code scan module (3)
The withdrawal information for taking is uploaded to background server, and the operational order of making loans sent according to background server controls the counting to gulp down
Tell module (7) corresponding debt is provided for user.
5. according to claim 2 nothing card automatic teller machine, it is characterised in that intelligent microcontroller (8), for when logical
Cross touch screen display module (1) receive user deposit operation instruct when, control counting handle up module (7) check user deposit number
Volume, and by the user fingerprints information obtained by fingerprint identification module (52), the user's face obtained by photographing module (53)
At least one of user identity card information that image information and identity card identification module (51) are obtained, is uploaded to background service
Device to verify user identity, then when the identity of user is by checking, by credit information and the NFC module (2) or
The deposit information that described Response Code scan module (3) transmission comes is uploaded to background server, and sent according to background server
Gathering operational order completes corresponding deposit operation.
6. according to claim 1 nothing card automatic teller machine, it is characterised in that also to include：
Voice module (12), is connected with intelligent microcontroller (8), for coordinating with photographing module (53), common record user's
Live withdrawal scene information.
7. according to claim 6 nothing card automatic teller machine, it is characterised in that also to include：
Storage module (9), is connected with intelligent microcontroller (8), for backing up the live withdrawal scene information of user.
8. according to claim 7 nothing card automatic teller machine, it is characterised in that intelligent microcontroller (8), be additionally operable to by
The live withdrawal scene information of user is uploaded in background server by communication module (4) and is backed up.
9. according to claim 1 nothing card automatic teller machine, it is characterised in that also to include：
Power supply (10), for for powering nothing card automatic teller machine；
Power management module (11), is connected with power supply (10) and intelligent microcontroller (8), respectively for receiving intelligent micro-control
The energy-conservation that device (8) processed send is powered after instruction, and control power supply (10) enters energy-conservation powering mode, and the energy-conservation powers instruction for institute
Stating intelligent microcontroller (8) and detecting is carried out sending when withdrawal is operated without user in preset time period；
Power management module (11), are additionally operable to after the normal power supply instruction that intelligent microcontroller (8) sends is received, control
Power supply (10) processed enter normal power supply pattern, and the normal power supply instruction has detected user for intelligent microcontroller (8)
Carry out sending when withdrawal is operated.
10. a kind of nothing card withdrawal system, it is characterised in that to include：Depositing nothing card described in mobile terminal (100), claim 1
Cash dispenser (200) and background server (300),
Be provided with NFC chip on mobile terminal (100), nothing in card withdrawal APP at least one, the NFC chip binding
There are mobile payment ID or a bank card number, described can generate comprising withdrawing the money letter nothing card deposit information or nothing card nothing card withdrawal APP
Breath dynamic two-dimension code, described includes nothing card deposit information：The mobile payment ID of user's designated deposit or bank card number, the nothing
Card withdrawal information includes：Withdraw funds and user specify the mobile payment ID or bank card number for deducting fees,
Background server (300) is connected with mobile payment platform and bank net Platform communication respectively, mobile terminal (100)
All it is connected with background server (300) by internet nothing card automatic teller machine (200) with described.
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| CN107393220A (en) * | 2017-08-30 | 2017-11-24 | 重庆中科云丛科技有限公司 | Bank self-help cash terminals and withdrawal method based on recognition of face |
| CN107423976A (en) * | 2017-06-08 | 2017-12-01 | 深圳科银科技有限公司 | One kind is without card method of payment and system |
| CN107657766A (en) * | 2017-10-13 | 2018-02-02 | 陈木镇 | A kind of internet moneychanging system |
| CN107944440A (en) * | 2017-11-10 | 2018-04-20 | 苏州大成电子科技有限公司 | A kind of device for visual identification and recognition methods |
| CN108364225A (en) * | 2018-01-24 | 2018-08-03 | 平安科技（深圳）有限公司 | A kind of self-service service activating method, system, equipment and storage medium |
| CN108765786A (en) * | 2018-04-03 | 2018-11-06 | 中电金融设备系统（深圳）有限公司 | Quick Response Code withdrawal safe verification method and its system, computer storage media |
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| CN111047796A (en) * | 2019-12-11 | 2020-04-21 | 镇江新一代信息技术产业研究院有限公司 | Deposit and withdrawal method and system based on face recognition |
| CN111640266A (en) * | 2020-06-11 | 2020-09-08 | 中国银行股份有限公司 | Method for depositing and withdrawing money on ATM and intelligent terminal |
| CN112767617A (en) * | 2021-01-13 | 2021-05-07 | 广东奔腾达电子有限公司 | Card-free automatic teller machine utilizing mobile terminal and identity card multiple identification |
| CN113487305A (en) * | 2021-07-27 | 2021-10-08 | 中国银行股份有限公司 | Mobile banking business handling method, ATM and bank background system |
| CN113554825A (en) * | 2021-06-16 | 2021-10-26 | 浪潮金融信息技术有限公司 | Card-free deposit and withdrawal method, system and medium |
| CN114582078A (en) * | 2020-12-01 | 2022-06-03 | 比亚迪股份有限公司 | Self-service deposit and withdrawal method and self-service deposit and withdrawal system |
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| CN107423976B (en) * | 2017-06-08 | 2020-04-17 | 深圳科银科技有限公司 | Card-free payment method and system |
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| CN107657766A (en) * | 2017-10-13 | 2018-02-02 | 陈木镇 | A kind of internet moneychanging system |
| CN107944440A (en) * | 2017-11-10 | 2018-04-20 | 苏州大成电子科技有限公司 | A kind of device for visual identification and recognition methods |
| CN108364225A (en) * | 2018-01-24 | 2018-08-03 | 平安科技（深圳）有限公司 | A kind of self-service service activating method, system, equipment and storage medium |
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| CN108765786B (en) * | 2018-04-03 | 2020-11-24 | 中电金融设备系统（深圳）有限公司 | Two-dimensional code withdrawal safety verification method and system and computer storage medium |
| CN108765786A (en) * | 2018-04-03 | 2018-11-06 | 中电金融设备系统（深圳）有限公司 | Quick Response Code withdrawal safe verification method and its system, computer storage media |
| 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 |
| CN110458575A (en) * | 2019-07-30 | 2019-11-15 | 西南大学 | A kind of computer system and a kind of computer readable storage medium |
| CN111047796A (en) * | 2019-12-11 | 2020-04-21 | 镇江新一代信息技术产业研究院有限公司 | Deposit and withdrawal method and system based on face recognition |
| CN111640266A (en) * | 2020-06-11 | 2020-09-08 | 中国银行股份有限公司 | Method for depositing and withdrawing money on ATM and intelligent terminal |
| CN114582078A (en) * | 2020-12-01 | 2022-06-03 | 比亚迪股份有限公司 | Self-service deposit and withdrawal method and self-service deposit and withdrawal system |
| CN114582078B (en) * | 2020-12-01 | 2024-04-16 | 比亚迪股份有限公司 | Self-service deposit and withdrawal method and self-service deposit and withdrawal system |
| CN112767617A (en) * | 2021-01-13 | 2021-05-07 | 广东奔腾达电子有限公司 | Card-free automatic teller machine utilizing mobile terminal and identity card multiple identification |
| CN113554825A (en) * | 2021-06-16 | 2021-10-26 | 浪潮金融信息技术有限公司 | Card-free deposit and withdrawal method, system and medium |
| CN113487305A (en) * | 2021-07-27 | 2021-10-08 | 中国银行股份有限公司 | Mobile banking business handling method, ATM and bank background system |
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