Bank system and method for intelligent account access without card

Abstract

The present invention relates to the technical field of cardless and intelligent banking systems, specifically the cardless bank system for intelligently entering accounts, including: a verification module for entering the system, including a face recognition module for recognizing faces; a user verification information sending module, It is used to send user verification information to the background server; the user verification information acceptance module is used to accept the verification result returned by the background server; the information processing module is used to display all the bank account information of the user and to process transaction information. The invention has simple structure and strong practicability.

Description

technical field [0001] The invention relates to the technical field of cardless and intelligent banking systems, in particular to a bank system and method for intelligently entering accounts without a card. Background technique [0002] Traditional ATMs require bank cards and passwords to enter the system. However, according to the "Overall Situation of Payment System Operation in 2013" published by the central bank, as of the end of 2013, a total of 4.214 billion bank cards have been issued nationwide, and the average person has a bank card. 3.11 cards, of which, the average credit card has 0.29 cards. The country will spend huge sums of money on card production every year, wasting a lot of resources on card production; at the same time, bank cards are easy to demagnetize or lose, and need to reissue the card. Can’t withdraw money; now everyone has several bank cards, and each bank card needs to set a password, which is easy to forget and relatively inconvenient to manage; ...

AI Technical Summary

Problems solved by technology

[0002] Traditional ATMs require bank cards and passwords to enter the system. However, according to the "Overall Situation of Payment System Operation in 2013" published by the central bank, as of the end of 2013, a total of 4.214 billion bank cards have been issued nationwide, and the average person has a bank card. 3.11 cards, of which, the average credit card has 0.29 cards. The country will spend huge sums of money on card production every year, wasting a lot of resources on card production; at the same time, bank cards are easy to demagnetize or lose, and need to reissue the card. Unable to withdraw money; now everyone has several bank cards, and each bank card needs to set a password, which is easy to forget and relatively inconvenient to manage; when the card is lost, it is easy to be replaced by an impostor to steal money

[0003] Traditional deposit and withdrawal systems, when criminals steal other people's bank cards and passwords, they can steal other people's money, making financial crimes more and more common

[0004] Regardless of fugitive criminals or social dishonest persons, they can withdraw money from cash machines by inserting bank cards and entering passwords. Existing measures for social dishonest persons (cannot book air tickets or bus tickets, etc.) are often not enough to cause harm to them. The influence of social dishonesty leads to unscrupulous people; and fugitive criminals obtain economic resources through this loophole, which is very likely to cause secondary harm to the public

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