Self-service withdrawal method

Abstract

The invention relates to a self-service withdrawal method which comprises the following steps: a bank system obtains an account number and a login password of a client and verifies the account number and the login password, identity card number information, portrait information and mobile phone number information are collected and stored in the bank system after verification is completed, and a first withdrawal upper limit and a second withdrawal upper limit are set at the same time; the second withdrawal upper limit is greater than the first withdrawal upper limit; and when the transfer amount is lower than the account balance and is also lower than the first withdrawal upper limit, transferring the account, and when the payee user and the account exist and the transfer amount is lower than the account balance and is higher than the first withdrawal upper limit and is lower than the second withdrawal upper limit, transferring the account after face recognition. The invention provides a card-free withdrawal method, which provides convenience for withdrawal. Safety is guaranteed through identity card number matching, mobile phone verification code verification and payment passwords for withdrawal, property safety is guaranteed in combination with face recognition during large-amount withdrawal, and safety is guaranteed while convenience is achieved.

Description

Technical Field

[0001] The invention relates to a self-service cash withdrawal method, belonging to the field of banking. Background Art

[0002] Although the current online transfer technology is very convenient, there are still some special times when it is necessary to go to the bank to withdraw cash. Generally, when the amount is not large, cash withdrawal is carried out at an ATM. Currently, when withdrawing cash at an ATM, a physical card is required, otherwise the operation cannot be performed. As an important financial voucher, few people carry a bank card with them. If they have a sudden intention to withdraw cash incidentally and do not have a bank card, they still need to specifically get the card, which is very inconvenient. Summary of the Invention

[0003] The purpose of the invention is to provide a cardless self-service cash withdrawal method.

[0004] To solve the above problems, the self-service cash withdrawal method involved in the invention adopts the following technical solutions: A self-service cash withdrawal method, characterized in that the self-service cash withdrawal method includes the following steps: a. The bank system obtains the customer's account number and login password and verifies them. After verification, it collects the identity card number information, portrait information and mobile phone number information and stores them in the bank system. At the same time, a first withdrawal limit and a second withdrawal limit are set, and the second withdrawal limit is greater than the first withdrawal limit; b. When transferring money, the ATM obtains the identity card number information input by the customer and verifies the identity card number information. If the verification is successful, proceed to the next step; if the verification is unsuccessful, repeat this step; c. The ATM calls the account information corresponding to the identity card number and displays it on the display screen. At the same time, it sends a verification code to the reserved mobile phone number, gives an instruction to fill in the verification code and verifies the authenticity of the verification code. If the verification is successful, proceed to the next step; if the verification is unsuccessful, repeat this step; d. The ATM gives an instruction to fill in the transfer information and reads the transfer information input by the customer, and at the same time verifies and checks. The specific verification content includes: whether the recipient user and account number exist, whether the transfer amount is lower than the account balance. When the recipient user and account number do not exist, an error is prompted. When the transfer amount is higher than the account balance, insufficient balance is prompted. When the recipient user and account number exist, the transfer amount is lower than the account balance and also lower than the first withdrawal limit, proceed to the next step. When the recipient user and account number exist, the transfer amount is lower than the account balance and higher than the first withdrawal limit and lower than the second withdrawal limit, execute step g. When the recipient user and account number exist, the transfer amount is lower than the account balance and higher than the second withdrawal limit, display exceeding the limit and execute step h; e. The ATM machine gives an instruction to input the payment password, reads the password entered by the customer for verification. If the verification is successful, proceed to the next step; if the verification fails, repeat this step. f. The ATM machine completes the transfer transaction. g. The ATM machine gives a face recognition instruction. If the verification is successful, execute step e; if the verification fails, repeat this step. h. End this business.

[0005] The first withdrawal limit and the second withdrawal limit in step a can be increased or decreased.

[0006] If the number of unsuccessful verifications in step c exceeds three times, end this business.

[0007] If the number of unsuccessful verifications in step g exceeds three times, the ATM machine executes step h and locks the account.

[0008] The present invention provides a cardless cash withdrawal method, which provides convenience for cash withdrawal. It ensures security through ID number matching, mobile phone verification code verification, and the payment password for cash withdrawal. When withdrawing a large amount of money, face recognition is combined to ensure property security. While being convenient, it also ensures security. BRIEF DESCRIPTION OF THE DRAWINGS

[0009] In order to more clearly illustrate the technical solutions of the embodiments of the invention, the following will briefly introduce the drawings required for use in the embodiments: Figure 1 It is a flowchart of an embodiment of the invention. DETAILED DESCRIPTION OF THE INVENTION

[0010] In order to make the technical objectives, technical solutions, and beneficial effects of the invention clearer, the following further describes the technical solutions of the invention with reference to the drawings and specific embodiments. It should be understood that the specific embodiments described herein are only used to explain the invention and are not used to limit the invention, that is, the described embodiments are only a part of the embodiments of the invention, rather than all of the embodiments. Usually, the components of the embodiments of the invention described and shown in the drawings here can be arranged and designed in various different configurations.

[0011] A specific embodiment of the self-service cash withdrawal method involved in the invention, in Figure 1 Among them, a self-service cash withdrawal method is characterized in that the self-service cash withdrawal method includes the following steps: a. The bank system obtains the customer's account number and login password and verifies them. After the verification is completed, it collects the ID number information, portrait information, and mobile phone number information and stores them in the bank system. At the same time, it sets the first withdrawal limit and the second withdrawal limit, and the second withdrawal limit is greater than the first withdrawal limit. b. When transferring money, the ATM obtains the ID number information entered by the customer and verifies it. If the verification is successful, proceed to the next step; if it is unsuccessful, repeat this step. Here, it is to verify whether the entered number is an ID number.

[0012] c. The ATM calls the account information corresponding to the ID number, displays it on the display screen, and at the same time sends a verification code to the reserved mobile phone number, and gives an instruction to fill in the verification code and verify the authenticity of the verification code. If the verification is successful, proceed to the next step; if it is unsuccessful, repeat this step. d. The ATM gives an instruction to fill in the transfer information, reads the transfer information entered by the customer, and verifies it at the same time. The specific verification content includes: whether the recipient user and account number exist, whether the transfer amount is lower than the account balance. When the recipient user and account number do not exist, an error is prompted. When the transfer amount is higher than the account balance, insufficient balance is prompted. When the recipient user and account number exist, the transfer amount is lower than the account balance and also lower than the first withdrawal limit, proceed to the next step. When the recipient user and account number exist, the transfer amount is lower than the account balance, higher than the first withdrawal limit and lower than the second withdrawal limit, execute step g. When the recipient user and account number exist, the transfer amount is lower than the account balance and higher than the second withdrawal limit, display exceeding the limit and execute step h. e. The ATM gives an instruction to enter the payment password, reads the password entered by the customer for verification. If the verification is successful, proceed to the next step; if the verification fails, repeat this step. f. The ATM completes the transfer transaction. g. The ATM gives a face recognition instruction. If the verification is successful, execute step e; if the verification fails, repeat this step. h. End this business.

[0013] The first withdrawal limit and the second withdrawal limit in step a can be increased or decreased.

[0014] If the number of unsuccessful verifications in step c exceeds three times, end this business.

[0015] If the number of unsuccessful verifications in step g exceeds three times, the ATM executes step h and locks the account.

[0016] In this embodiment, the first withdrawal limit and the second withdrawal limit in step a can be increased or decreased. The replacement method is the method in the prior art.

[0017] In this embodiment, if the number of unsuccessful verifications in step c exceeds three times, end this business.

[0018] In this embodiment, if the number of unsuccessful verifications in step g exceeds three times, the bank system locks the account. Unlocking the account is required, and the unlocking method is the unlocking method in the prior art.

[0019] The verification method and the face recognition method in this embodiment are both prior arts.

[0020] Finally, it should be noted that the above embodiments are only used to illustrate rather than limit the technical solutions of the invention. Any equivalent replacement of the invention and any modification or partial replacement without departing from the spirit and scope of the invention shall be covered by the scope of protection of the invention claims.

Claims

1. A self-service cash withdrawal method, characterized in that: The self-service cash withdrawal method includes the following steps: a. The bank system obtains the customer's account number and login password and verifies them. After the verification is completed, the ID card number information, portrait information and mobile phone number information are collected and stored in the bank system. At the same time, the first withdrawal limit and the second withdrawal limit are set, and the second withdrawal limit is greater than the first withdrawal limit; b. When transferring money, the ATM obtains the ID card number information entered by the customer and verifies the ID card number information. If the verification is successful, proceed to the next step. If the verification is unsuccessful, repeat this step; c. The ATM calls the account information corresponding to the ID card number and displays it on the display screen. At the same time, it sends a verification code to the reserved mobile phone number and gives instructions for filling in the verification code while verifying the authenticity of the verification code. If the verification is successful, proceed to the next step. If the verification is unsuccessful, repeat this step; d. The ATM gives a transfer information filling instruction, reads the transfer information entered by the customer, and verifies and verifies at the same time. The specific verification content includes: whether the payee user and account number exist, whether the transfer amount is lower than the account balance, when the payee user and account number do not exist, an error message is displayed, when the transfer amount is higher than the account balance, an insufficient balance message is displayed, when the payee user and account number exist and the transfer amount is lower than the account balance and lower than the first withdrawal limit, the next step is performed, when the payee user and account number exist and the transfer amount is lower than the account balance and higher than the first withdrawal limit and lower than the second withdrawal limit, step g is executed, when the payee user and account number exist and the transfer amount is lower than the account balance and higher than the second withdrawal limit, the limit is exceeded and step h is executed; e. The ATM machine gives an instruction to enter the payment password and reads the password entered by the customer for verification. If the verification is successful, proceed to the next step. If the verification fails, repeat this step; f. ATM machine completes the transfer transaction; g. The ATM machine gives a face recognition instruction. If the verification is successful, proceed to step e. If the verification fails, repeat this step; h. End this business.

2. The self-service cash withdrawal method according to claim 1, characterized in that: The first upper limit of withdrawal and the second upper limit of withdrawal in step a can be increased or decreased.

3. The self-service cash withdrawal method according to claim 2, characterized in that: If the verification fails more than three times in step c, the service is terminated.

4. The self-service cash withdrawal method according to claim 1, characterized in that: If the verification fails more than three times in step g, the ATM executes step h and locks the account.

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