ATM (automatic teller machine) safe withdrawal method

Abstract

The invention provides an ATM safe withdrawal method, and relates to the technical field of financial management, and the method comprises the steps: a user registers and binds account information through a terminal device, the user initiates a withdrawal application at a terminal, a system combines the data of the user, screens a target ATM which meets the sum and arrives at the fastest, gives a reservation instruction to reserve the cash and locks the fund, and when the user withdraws the cash, the user withdraws the cash. And after the face recognition verification is passed, the system analyzes the emotion by using an emotion calculation model, if the emotion is normal, a dynamic password is sent, and the user inputs secondary verification. The device effectively improves the operation efficiency and improves the safety.

Description

Technical Field

[0001] This invention relates to the field of financial management technology, and in particular to a method for secure withdrawal of cash from an ATM. Background Technology

[0002] In traditional ATM withdrawals, users typically need to carry a bank card, insert it into the ATM, and enter a PIN for authentication. This method carries significant security risks, as bank cards can be easily copied and PINs can be stolen, potentially leading to the theft of funds from user accounts. Furthermore, when choosing an ATM, users often rely solely on their own experience or the distribution of nearby ATMs, without accurately knowing the ATM's real-time operating status, cash availability, or past malfunctions and security incident records. This can result in situations where users arrive at an ATM to find it malfunctioning or lacking sufficient cash, wasting their time and effort. Summary of the Invention

[0003] The purpose of this invention is to provide a secure ATM withdrawal method to solve the problem of low efficiency in the prior art.

[0004] To address the aforementioned problems, the present invention provides a secure ATM withdrawal method employing the following technical solution: The present invention provides a secure ATM withdrawal method, comprising the following steps: Step 1: Users register and bind their account information through their terminal devices; Step 2: The user initiates a withdrawal request on their terminal device: If the user chooses to withdraw cash temporarily and selects an ATM, the system will combine the user's real-time location information, the operating status of ATMs within the preset range, and historical fault data to calculate the shortest time for the user to reach each ATM. The system will then select the target ATM that meets the withdrawal amount requirement and has the shortest arrival time, send a reservation instruction to it to reserve sufficient cash and temporarily lock the funds. If a customer schedules a cash withdrawal and selects an ATM, the system will filter and select an ATM from the range of options selected by the customer, generate a cash withdrawal information and send it to the user. At the same time, the ATM will retain more cash than the amount withdrawn on the day of the withdrawal. When a user withdraws cash from an ATM, the facial recognition device collects the user's facial information and compares it with the features reserved in the background for security identification. After successful identification, the system analyzes the user's facial micro-expressions and body movements through an emotion computing model. If the user's emotional state is normal, the system sends a dynamic password to the customer's terminal device. The user enters the dynamic password at the ATM for secondary verification. During the transaction, the account security monitoring module collects user operation behavior data in real time, including operation speed, key interval, number of times the withdrawal amount is modified, and compares it with the user's historical transaction behavior model. If the deviation exceeds the preset threshold, a real-time risk control warning is triggered and the transaction is suspended. Based on the ARIMA model, the system predicts the ATM's redundant amount for the current period. When a user's withdrawal request exceeds the preset limit but the redundant amount is positive, the terminal displays the excess withdrawal option. After the user enters the amount, the system verifies whether the amount is within the range of the user's preset upper limit plus the redundant amount. If it is, the system responds to the user's request.

[0005] Preferably, the user registers and binds account information through a terminal device. The account information includes providing a terminal number in the system, setting account information, and collecting terminal hardware feature information to bind with the account and terminal number.

[0006] Preferably, the user registration process also includes collecting the user's fingerprint or iris information through a terminal device and binding it with the account information. The biometric information is stored using an algorithm for encryption.

[0007] Preferably, the system screens ATMs by retrieving security event records for each ATM, prioritizing devices with high security levels, and combining this with real-time monitoring data to exclude ATMs in abnormal states.

[0008] This invention provides an ATM secure withdrawal system, comprising a user terminal device, a back-end management system, an ATM, a facial recognition device, and an account security monitoring module. The user terminal device is used for user registration, withdrawal application, and receiving passwords. The back-end management system is used to connect the various devices and modules to realize functions such as user information management, withdrawal business management, and security management. The ATM is used to perform withdrawal operations, including barcode scanning and password verification. The account security monitoring module is used to obtain user account transaction information and perform analysis and processing.

[0009] The beneficial effects of this invention are as follows: This invention provides a secure ATM withdrawal method, comprising: a user registering and binding account information through a terminal device; the user initiating a withdrawal request on the terminal; the system combining various user data to select a target ATM that meets the withdrawal amount and is the fastest to arrive; issuing a reservation instruction to reserve cash and lock the funds; when the user withdraws cash, after successful facial recognition verification, the system uses an emotion computing model to analyze the user's emotion; if normal, a dynamic password is issued, which the user then enters for secondary verification. This invention effectively improves user identity verification security while overcoming the shortcomings of existing methods, such as inconvenience and lack of flexibility. Attached Figure Description

[0010] To more clearly illustrate the technical solutions of the embodiments of the present invention, the accompanying drawings used in the embodiments will be briefly described below: Figure 1 This is a flowchart of a secure ATM withdrawal method. Detailed Implementation

[0011] To make the technical objectives, technical solutions, and beneficial effects of the present invention clearer, the technical solutions of the present invention will be further described below in conjunction with the accompanying drawings and specific embodiments.

[0012] The present invention provides a secure ATM withdrawal method, comprising the following steps: Step 1: Users register and bind their account information via their terminal devices. Users register in the system through their mobile devices and bind their account information. This account information includes the user's mobile phone number, basic account information, and the collection of the terminal device's hardware feature information (IMEI code). This hardware feature information is then bound to the user's account and terminal number to ensure the uniqueness and security of the terminal device and prevent others from impersonating the user's account through other devices. During the registration process, users can also collect their own biometric information, such as fingerprints or iris scans, through their terminal devices and bind this biometric information to their account information. To ensure the security of biometric information, encryption algorithms are used to encrypt the collected biometric information before storage. Step 2: The user initiates a withdrawal request on the terminal device. When users need to withdraw cash, they can initiate a withdrawal request through a terminal device that has been registered and linked to their account, and choose between temporary withdrawal or scheduled withdrawal according to their own needs.

[0013] When a user chooses to withdraw cash temporarily and uses an ATM, the system obtains the user's real-time location information (which can be achieved through the GPS positioning function or mobile network positioning function of the terminal device), retrieves the real-time operating status information of all ATMs within a preset range (this range can be set by the system default or by the user according to their own needs), including whether the ATM is operating normally, whether it is under maintenance, whether there is a hardware failure, etc., and queries the historical fault data of the ATMs. Based on big data, the system calculates the shortest time for the user to reach each ATM (operating normally), filters out the ATMs that can meet the user's withdrawal amount requirement (i.e., the current cash balance of the ATM is greater than or equal to the withdrawal amount applied for by the user) and the user's arrival time is the shortest, and identifies the target ATM. Once the target ATM is identified, the system will immediately send a reservation instruction to that ATM. Upon receiving the reservation instruction, the target ATM will reserve sufficient cash according to the withdrawal amount requested by the user and temporarily lock the reserved cash to prevent other users from taking the funds before the user arrives, thus ensuring that the user can withdraw cash smoothly. When a user chooses to schedule a cash withdrawal and specifies an ATM for the withdrawal, the user needs to select a preset withdrawal area on the terminal device (such as a specific area in the user's city, a particular business district, or the vicinity of a specific bank branch). Based on the user's selected withdrawal area, the system retrieves relevant information for all ATMs within that area, including the ATM's location, bank, operating status, and cash balance. It prioritizes ATMs that are closest to the user's specified location, are in good operating condition, and have sufficient cash balance. After determining a suitable ATM, the system generates withdrawal information. The information includes the ATM's specific location, name, bank, scheduled withdrawal date and time (set by the user when initiating the reservation request), and the withdrawal amount requested by the user. This withdrawal information is sent to the user's terminal device for viewing and recording. Simultaneously, the system sends a reservation instruction to the designated ATM. Upon receiving the reservation instruction, the ATM will reserve cash exceeding the requested withdrawal amount on the scheduled withdrawal day to handle potential additional withdrawals or other unforeseen circumstances, ensuring the user can successfully withdraw cash at the scheduled time. Users go to the corresponding ATM to withdraw cash based on the withdrawal information received on their terminal devices. During the withdrawal process, the system will verify the user's identity through various methods to ensure the security of the withdrawal operation. These verification methods include facial recognition verification, sentiment analysis, and dynamic password verification.

[0014] Facial recognition verification: ATMs are equipped with facial recognition devices (such as high-definition cameras, facial recognition algorithm modules, etc.). When a user arrives at the ATM and prepares to withdraw cash, the facial recognition device automatically collects the user's facial information. Then, the system compares the collected real-time facial information with the user's facial feature information stored in the backend system. If the comparison results match, the user's identity is preliminarily verified; if the comparison results do not match, the identity verification fails, the system will refuse the user's withdrawal operation, and may send an identity verification failure message to the user's terminal device. After successful facial recognition verification, the system activates an emotion computing model. This model collects and analyzes the user's facial micro-expressions (such as the presence of abnormal expressions like tension, fear, or anxiety) and body movements (such as stiffness or unnatural movements) in real time to determine if the user's current emotional state is normal. If the emotion computing model determines that the user's emotional state is normal, it means that the user's withdrawal operation is voluntary and normal. The system generates a dynamic password and sends it to the user's terminal device. After receiving the dynamic password, the user needs to enter it on the ATM's input interface for secondary verification. If the entered dynamic password matches the system-generated dynamic password, the secondary verification passes. If the entered dynamic password does not match or exceeds the validity period, the secondary verification fails, the system refuses the user's withdrawal operation, and the user needs to re-initiate the verification request. To meet users' temporary large withdrawal needs, the system uses the ARIMA model to predict the ATM's surplus amount for the current period (e.g., one day). The ATM's surplus amount refers to the cash balance remaining after subtracting the expected normal withdrawal amount for that period from the ATM's current cash balance. When a user's withdrawal request exceeds the system's preset withdrawal limit, but the ARIMA model predicts a positive surplus amount for the ATM in the current period, the system will display an "Excess Withdrawal" option on the user's terminal device interface, prompting the user to request an excess withdrawal. After seeing the excess withdrawal option, users can enter the desired excess withdrawal amount on their terminal device if they wish to withdraw more. The system will verify the excess withdrawal amount entered by the user, determining whether the amount is within the range of the user's preset withdrawal limit plus the ATM's current cycle redundancy. If the user's entered excess withdrawal amount meets the requirements, the system will respond to the user's excess withdrawal request and proceed with the withdrawal process according to the total withdrawal amount requested by the user (the original preset limit plus the excess withdrawal amount). If the user's entered excess withdrawal amount exceeds the range, the system will prompt the user that the entered amount does not meet the requirements and the excess withdrawal cannot be processed. The user needs to re-enter a compliant amount or abandon the excess withdrawal request. A secure ATM withdrawal system is provided to implement a secure ATM withdrawal method. The system includes a user terminal device, a back-end management system, an ATM, a facial recognition device, and an account security monitoring module. Finally, it should be noted that the above embodiments are only for illustration and not for limiting the technical solutions of the present invention. Any equivalent substitutions, modifications or partial substitutions that do not depart from the spirit and scope of the present invention should be covered within the scope of protection of the claims of the present invention.

Claims

1. A method for securely withdrawing cash from an ATM, characterized in that, Includes the following steps: Step 1: Users register and bind their account information through their terminal devices; Step 2: The user initiates a withdrawal request on their terminal device: If the user chooses to withdraw cash temporarily and selects an ATM, the system will combine the user's real-time location information, the operating status of ATMs within the preset range, and historical fault data to calculate the shortest time for the user to reach each ATM. The system will then select the ATM that meets the withdrawal amount requirement and has the shortest arrival time, send a reservation instruction to it to reserve sufficient cash and temporarily lock the funds. If a customer schedules a cash withdrawal and selects an ATM, the system will filter and select an ATM from the range of options selected by the customer, generate a cash withdrawal information and send it to the user. At the same time, the ATM will retain more cash than the amount withdrawn on the day of the withdrawal. When a user withdraws cash from an ATM, the facial recognition device collects the user's facial information and compares it with the features reserved in the background for security identification. After successful identification, the system analyzes the user's facial micro-expressions and body movements through an emotion computing model. If the user's emotional state is normal, the system sends a dynamic password to the customer's terminal device. The user enters the dynamic password at the ATM for secondary verification. During the transaction, the account security monitoring module collects user operation behavior data in real time, including operation speed, key interval, number of times the withdrawal amount is modified, and compares it with the user's historical transaction behavior model. If the deviation exceeds the preset threshold, a real-time risk control warning is triggered and the transaction is suspended. Based on the ARIMA model, the system predicts the ATM's redundant amount for the current period. When a user's withdrawal request exceeds the preset limit but the redundant amount is positive, the terminal displays the excess withdrawal option. After the user enters the amount, the system verifies whether the amount is within the range of the user's preset upper limit plus the redundant amount. If it is, the system responds to the user's request.

2. The method according to claim 1, characterized in that, Users register and bind account information through terminal devices. The account information includes providing the terminal number in the system, setting account information, and collecting terminal hardware feature information to bind the account and terminal number.

3. The method according to claim 1, characterized in that, The user registration process also includes collecting users' fingerprints or iris information through terminal devices and binding them to account information. The biometric information is stored using encrypted algorithms.

4. The method according to claim 1, characterized in that, The system screens ATMs by retrieving security event records for each ATM, prioritizing devices with high security levels, and excluding ATMs in abnormal states by combining real-time monitoring data.

5. A secure ATM withdrawal system, characterized in that, It includes user terminal equipment, a back-end management system, an ATM machine, a facial recognition device, and an account security monitoring module. The user terminal equipment is used for user registration, withdrawal applications, and receiving passwords. The back-end management system is used to connect various devices and modules to realize functions such as user information management, withdrawal business management, and security management. The ATM machine is used to perform withdrawal operations, including barcode scanning and password verification. The account security monitoring module is used to obtain user account transaction information and perform analysis and processing.

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