CN106485851A - A cardless deposit and withdrawal machine and a cardless deposit and withdrawal system - Google Patents
A cardless deposit and withdrawal machine and a cardless deposit and withdrawal system Download PDFInfo
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Abstract
本发明公开了一种无卡存取款机及无卡存取款系统,所述无卡存取款机包括:触屏显示模块(1)、NFC模块(2)、二维码扫描模块(3)、通信模块(4)、身份识别模块(5)、验钞模块(6)、点钞吞吐模块(7)、以及智能微控制器(8)。本发明提供的无卡存储款机为用户提供了安全可靠的无卡存取款业务服务,还能实现向指定移动支付账户进行存取款服务,丰富了用户的无卡存取款功能,而且,无需记住银行卡账户和移动支付账户,就能简单快捷的实现无卡存取款操作,满足了人们对无卡存取款简便快捷安全可靠的多样化需求。
The invention discloses a cardless deposit and withdrawal machine and a cardless deposit and withdrawal system. The cardless deposit and withdrawal machine includes: a touch screen display module (1), an NFC module (2), and a two-dimensional code scanning module ( 3), a communication module (4), an identity recognition module (5), a banknote checking module (6), a banknote counting throughput module (7), and an intelligent microcontroller (8). The cardless cash deposit machine provided by the present invention provides users with safe and reliable cardless deposit and withdrawal business services, and can also implement deposit and withdrawal services to designated mobile payment accounts, enriching the user's cardless deposit and withdrawal functions, and , without having to remember the bank card account and mobile payment account, you can simply and quickly realize cardless deposit and withdrawal operations, meeting people's diverse needs for simple, fast, safe and reliable cardless deposits and withdrawals.
Description
技术领域technical field
本发明涉及存取款技术领域,特别涉及一种无卡存取款机及无卡存取款系统。The invention relates to the technical field of deposit and withdrawal, in particular to a cardless deposit and withdrawal machine and a cardless deposit and withdrawal system.
背景技术Background technique
随着社会经济的发展,为了实现存取款的便捷性,无卡存取款的需求越来越多。With the development of social economy, in order to realize the convenience of deposit and withdrawal, there are more and more demands for cardless deposit and withdrawal.
现有的无卡取款一般为预约无卡取款,客户通过签约的手机银行或者网上银行申请无卡取款,银行在验证客户身份和签约信息后提供取款信息和密码,客户在自助设备输入对应取款信息和密码实现无卡取款。预约取款方式并不便捷,难以满足人们的经济活动需求;而且客户取款时需要输入取款编号、取款密码(一般是临时的手机验证码或者客户自行设定的一次性密码)等信息,既不方便,也容易被他人窃取。而无卡存款则需要记住银行卡账户和密码,十分不便捷,且无法将钱存入到移动支付账户中。Existing cardless withdrawals are generally reserved cardless withdrawals. Customers apply for cardless withdrawals through contracted mobile banking or online banking. The bank provides withdrawal information and passwords after verifying the customer's identity and contract information, and the customer enters the corresponding withdrawal information on the self-service device. and password to realize cardless withdrawal. The appointment withdrawal method is not convenient, and it is difficult to meet the needs of people's economic activities; and when customers withdraw money, they need to enter withdrawal number, withdrawal password (usually a temporary mobile phone verification code or a one-time password set by the customer), which is inconvenient , is also easy to be stolen by others. However, depositing without a card requires remembering the bank card account and password, which is very inconvenient, and it is impossible to deposit money into a mobile payment account.
发明内容Contents of the invention
为了解决现有技术的问题,本发明实施例提供了一种无卡存取款机及无卡存取款系统。所述技术方案如下:In order to solve the problems of the prior art, an embodiment of the present invention provides a cardless deposit and withdrawal machine and a cardless deposit and withdrawal system. Described technical scheme is as follows:
一方面,本发明实施例提供了一种无卡存取款机,包括:On the one hand, an embodiment of the present invention provides a cardless cash machine, including:
触屏显示模块,用于接收用户的无卡存款或无卡取款操作指令,并显示相应的无卡存款或无卡取款操作结果;The touch screen display module is used to receive the user's no-card deposit or no-card withdrawal operation instruction, and display the corresponding no-card deposit or no-card withdrawal operation result;
近距离无线通讯(Near Field Communication,简称“NFC”)模块,用于接收移动终端通过NFC方式传输的无卡存款信息或无卡取款信息,所述无卡存款信息包括:用户指定存款的移动支付账户(Identification简称“ID”)或银行卡卡号,所述无卡取款信息包括:取款金额以及用户指定扣费的移动支付ID或银行卡卡号,移动支付ID和银行卡卡号均与用户身份绑定;Near Field Communication ("NFC") module for receiving no-card deposit information or no-card withdrawal information transmitted by the mobile terminal through NFC. The no-card deposit information includes: mobile payment of user-specified deposit Account (Identification "ID" for short) or bank card number. The cardless withdrawal information includes: the withdrawal amount and the mobile payment ID or bank card number specified by the user for deduction. Both the mobile payment ID and the bank card number are bound to the user's identity ;
二维码扫描模块,用于识别移动终端显示的二维码中提供的无卡存款信息或无卡取款信息;The two-dimensional code scanning module is used to identify the no-card deposit information or no-card withdrawal information provided in the two-dimensional code displayed on the mobile terminal;
通信模块,用于通过互联网与后台服务器通信,所述后台服务器分别与移动支付平台和银行网银平台通信连接;The communication module is used to communicate with the background server through the Internet, and the background server is respectively connected to the mobile payment platform and the bank online banking platform;
身份识别模块,用于与通信模块配合,利用后台服务器中储存的身份识别信息识别用户的身份;The identification module is used to cooperate with the communication module to identify the identity of the user by using the identification information stored in the background server;
验钞模块,用于检验钞票的真伪;Banknote checking module, used to check the authenticity of banknotes;
点钞吞吐模块,用于检测存款或取款的数额,并收纳或发放相应的钱款;Money counting throughput module, used to detect the amount of deposits or withdrawals, and receive or issue corresponding money;
智能微控制器,分别与触屏显示模块、NFC模块、二维码扫描模块、通信模块、身份识别模块、验钞模块、以及点钞吞吐模块连接,用于当接收到用户的无卡取款操作指令时,通过所述身份识别模块识别用户的身份,并当用户的身份通过验证时,将通过所述NFC模块或所述二维码扫描模块获取到的无卡取款信息上传至后台服务器,并根据后台服务器发出的放款操作指令控制所述点钞吞吐模块为用户发放相应的钱款;The intelligent microcontroller is respectively connected with the touch screen display module, NFC module, two-dimensional code scanning module, communication module, identity recognition module, banknote verification module, and banknote counting throughput module, and is used for when receiving the user's no-card withdrawal operation During the instruction, the identity of the user is identified by the identity recognition module, and when the identity of the user is verified, the cardless withdrawal information obtained by the NFC module or the two-dimensional code scanning module is uploaded to the background server, and Control the banknote counting throughput module to issue corresponding money for the user according to the lending operation instruction issued by the background server;
所述智能微控制器,还用于当接收到用户的无卡存款操作指令时,控制点钞吞吐模块清点用户存款数额,并通过身份识别模块识别用户的身份,然后当用户的身份通过验证时,将存款数额信息及所述NFC模块或所述二维码扫描模块传输来的无卡存款信息上传至后台服务器,并根据后台服务器发出的收款操作指令完成相应的无卡存款操作。The intelligent micro-controller is also used to control the banknote counting throughput module to check the deposit amount of the user when receiving the user's no-card deposit operation instruction, and to identify the user's identity through the identity recognition module, and then when the user's identity is verified uploading the deposit amount information and the non-card deposit information transmitted by the NFC module or the two-dimensional code scanning module to the background server, and completing the corresponding card-free deposit operation according to the collection operation instruction sent by the background server.
在本发明实施例上述的无卡存取款机中,所述身份识别模块,包括:In the above-mentioned cardless deposit and withdrawal machine in the embodiment of the present invention, the identity recognition module includes:
身份证识别模块,与智能微控制器连接,用于获取用户身份证中的身份信息;The ID card identification module is connected with the intelligent microcontroller to obtain the identity information in the user ID card;
指纹识别模块,与智能微控制器连接,用于获取用户的指纹信息;The fingerprint identification module is connected with the intelligent microcontroller to obtain the user's fingerprint information;
摄像模块,与智能微控制器连接,用于获取用户的面部图像信息。The camera module is connected with the intelligent microcontroller to obtain the user's facial image information.
在本发明实施例上述的无卡存取款机中,所述智能微控制器,还用于当通过触屏显示模块接收到用户的取款操作指令时,将通过指纹识别模块获取的用户指纹信息和通过摄像模块获取的用户面部图像信息,上传至后台服务器以验证用户身份,然后当用户的指纹信息和面部图像信息均通过验证时,将通过所述NFC模块或所述二维码扫描模块获取的取款信息上传至后台服务器,并根据后台服务器发出的放款操作指令控制所述点钞吞吐模块为用户发放相应的钱款。In the above-mentioned cardless cash deposit and withdrawal machine in the embodiment of the present invention, the intelligent microcontroller is also used for receiving the user's fingerprint information obtained by the fingerprint recognition module when the user's withdrawal operation instruction is received through the touch screen display module. And the user's facial image information obtained by the camera module is uploaded to the background server to verify the user's identity, and then when the user's fingerprint information and facial image information are verified, they will be obtained by the NFC module or the two-dimensional code scanning module. The withdrawing information is uploaded to the background server, and the banknote counting throughput module is controlled to issue corresponding money for the user according to the lending operation instruction sent by the background server.
在本发明实施例上述的无卡存取款机中,所述智能微控制器,还用于当通过触屏显示模块接收到用户的取款操作指令时,将通过指纹识别模块获取的用户指纹信息、通过摄像模块获取的用户面部图像信息、以及身份证识别模块获取的用户身份证信息,上传至后台服务器以验证用户身份,然后当用户的指纹信息、面部图像信息以及身份证信息均通过验证时,将通过所述NFC模块或所述二维码扫描模块获取的取款信息上传至后台服务器,并根据后台服务器发出的放款操作指令控制所述点钞吞吐模块为用户发放相应的钱款。In the above-mentioned cardless cash deposit and withdrawal machine in the embodiment of the present invention, the intelligent microcontroller is also used for receiving the user's fingerprint information obtained by the fingerprint recognition module when the user's withdrawal operation instruction is received through the touch screen display module. , The user's facial image information obtained through the camera module, and the user's ID card information obtained by the ID card identification module are uploaded to the background server to verify the user's identity, and then when the user's fingerprint information, facial image information and ID card information have passed the verification uploading the withdrawal information obtained through the NFC module or the two-dimensional code scanning module to the background server, and controlling the banknote counting throughput module to issue corresponding money for the user according to the lending operation instruction sent by the background server.
在本发明实施例上述的无卡存取款机中,所述智能微控制器,用于当通过触屏显示模块接收到用户的存款操作指令时,控制点钞吞吐模块清点用户存款数额,并将通过指纹识别模块获取的用户指纹信息、通过摄像模块获取的用户面部图像信息、以及身份证识别模块获取的用户身份证信息中至少一种,上传至后台服务器以验证用户身份,然后当用户的身份通过验证时,将存款数额信息及所述NFC模块或所述二维码扫描模块传输来的存款信息上传至后台服务器,并根据后台服务器发出的收款操作指令完成相应的存款操作。In the above-mentioned cardless deposit and withdrawal machine in the embodiment of the present invention, the intelligent microcontroller is used to control the banknote counting throughput module to check the user's deposit amount when receiving the user's deposit operation instruction through the touch screen display module, and At least one of the user fingerprint information obtained by the fingerprint identification module, the user's facial image information obtained by the camera module, and the user ID card information obtained by the ID card identification module is uploaded to the background server to verify the user's identity, and then when the user's When the identity is verified, the deposit amount information and the deposit information transmitted by the NFC module or the two-dimensional code scanning module are uploaded to the background server, and the corresponding deposit operation is completed according to the collection operation instruction sent by the background server.
在本发明实施例上述的无卡存取款机中,还包括:In the above-mentioned cardless deposit and withdrawal machine in the embodiment of the present invention, it also includes:
语音模块,与智能微控制器连接,用于与摄像模块配合,共同记录用户的现场存取款场景信息。The voice module is connected with the intelligent microcontroller, and is used to cooperate with the camera module to jointly record the user's on-site deposit and withdrawal scene information.
在本发明实施例上述的无卡存取款机中,还包括:In the above-mentioned cardless deposit and withdrawal machine in the embodiment of the present invention, it also includes:
储存模块,与智能微控制器连接,用于备份用户的现场存取款场景信息。The storage module is connected with the intelligent microcontroller and is used to back up the user's on-site deposit and withdrawal scene information.
在本发明实施例上述的无卡存取款机中,所述智能微控制器,还用于将用户的现场存取款场景信息通过通信模块上传到后台服务器中进行备份。In the cardless cash deposit and withdrawal machine described above in the embodiment of the present invention, the intelligent microcontroller is also used to upload the user's on-site deposit and withdrawal scene information to the background server through the communication module for backup.
在本发明实施例上述的无卡存取款机中,还包括:In the above-mentioned cardless deposit and withdrawal machine in the embodiment of the present invention, it also includes:
电源,用于为无卡存取款机供电;A power supply for powering the card-not-present cash machine;
电源管理模块,分别与电源和智能微控制器连接,用于在接收到智能微控制器发送的节能供电指令后,控制电源进入节能供电模式,所述节能供电指令为所述智能微控制器检测到预设时间段内没有用户进行存取款操作时发出的;The power management module is connected to the power supply and the intelligent microcontroller respectively, and is used to control the power supply to enter the energy-saving power supply mode after receiving the energy-saving power supply instruction sent by the intelligent microcontroller. The energy-saving power supply instruction is detected by the intelligent microcontroller. Issued when no user deposits or withdraws within the preset time period;
所述电源管理模块,还用于在接收到智能微控制器发送的正常供电指令后,控制电源进入正常供电模式,所述正常供电指令为所述智能微控制器检测到有用户进行存取款操作时发出的。The power management module is also used to control the power supply to enter the normal power supply mode after receiving the normal power supply instruction sent by the intelligent microcontroller, and the normal power supply instruction is that the intelligent microcontroller detects that a user deposits and withdraws Emitted during operation.
另一方面,本发明实施例提供了一种无卡存取款系统,包括:移动终端、上文所述的无卡存取款机、以及后台服务器,On the other hand, an embodiment of the present invention provides a cardless deposit and withdrawal system, including: a mobile terminal, the above-mentioned cardless deposit and withdrawal machine, and a background server,
所述移动终端上设置有NFC芯片、无卡存取款应用程序(Application,简称“APP”)中至少一个,所述NFC芯片绑定有移动支付ID或银行卡卡号,所述无卡存取款APP能生成包含无卡存款信息或无卡取款信息动态二维码,所述无卡存款信息包括:用户指定存款的移动支付ID或银行卡卡号,所述无卡取款信息包括:取款金额以及用户指定扣费的移动支付ID或银行卡卡号,The mobile terminal is provided with at least one of an NFC chip and a non-card deposit and withdrawal application program (Application, referred to as "APP"), the NFC chip is bound with a mobile payment ID or a bank card number, and the non-card access The APP can generate a dynamic two-dimensional code containing no-card deposit information or no-card withdrawal information. The no-card deposit information includes: the mobile payment ID or bank card number specified by the user for deposit. The no-card withdrawal information includes: withdrawal amount and The mobile payment ID or bank card number specified by the user for deduction,
后台服务器分别与移动支付平台和银行网银平台通信连接,所述移动终端和所述无卡存取款机均通过互联网与后台服务器连接。The background server is respectively connected to the mobile payment platform and the bank online banking platform, and the mobile terminal and the cardless deposit and withdrawal machine are connected to the background server through the Internet.
本发明实施例提供的技术方案带来的有益效果是:The beneficial effects brought by the technical solution provided by the embodiments of the present invention are:
通过触屏显示模块、NFC模块、二维码扫描模块、通信模块、身份识别模块、验钞模块、点钞吞吐模块、以及智能微控制器构成了无卡存取款机,该无卡存储款机为用户提供了安全可靠的无卡存取款业务服务,还能实现向指定移动支付账户进行存取款服务,丰富了用户的无卡存取款功能,而且,无需记住银行卡账户和移动支付账户,就能简单快捷的实现无卡存取款操作,满足了人们对无卡存取款简便快捷安全可靠的多样化需求。The cardless deposit and withdrawal machine is formed by the touch screen display module, NFC module, two-dimensional code scanning module, communication module, identity recognition module, banknote verification module, banknote counting throughput module, and intelligent microcontroller. The machine provides users with safe and reliable cardless deposit and withdrawal business services, and can also realize deposit and withdrawal services to designated mobile payment accounts, which enriches the user's cardless deposit and withdrawal functions. Moreover, there is no need to remember the bank card account and The mobile payment account can easily and quickly realize cardless deposit and withdrawal operations, meeting people's diverse needs for simple, fast, safe and reliable cardless deposits and withdrawals.
附图说明Description of drawings
为了更清楚地说明本发明实施例中的技术方案,下面将对实施例描述中所需要使用的附图作简单地介绍,显而易见地,下面描述中的附图仅仅是本发明的一些实施例,对于本领域普通技术人员来讲,在不付出创造性劳动的前提下,还可以根据这些附图获得其他的附图。In order to more clearly illustrate the technical solutions in the embodiments of the present invention, the drawings that need to be used in the description of the embodiments will be briefly introduced below. Obviously, the drawings in the following description are only some embodiments of the present invention. For those skilled in the art, other drawings can also be obtained based on these drawings without creative effort.
图1是本发明实施例一提供的一种无卡存取款机的结构示意图;Fig. 1 is a schematic structural view of a cardless cash deposit and withdrawal machine provided by Embodiment 1 of the present invention;
图2是本发明实施例一提供的一种身份识别模块的结构示意图;Fig. 2 is a schematic structural diagram of an identity recognition module provided by Embodiment 1 of the present invention;
图3是本发明实施例一提供的一种无卡存取款机的结构示意图;Fig. 3 is a schematic structural diagram of a cardless cash deposit and withdrawal machine provided by Embodiment 1 of the present invention;
图4是本发明实施例二提供的一种无卡存取款系统的结构示意图。Fig. 4 is a schematic structural diagram of a cardless deposit and withdrawal system provided by Embodiment 2 of the present invention.
具体实施方式detailed description
为使本发明的目的、技术方案和优点更加清楚,下面将结合附图对本发明实施方式作进一步地详细描述。In order to make the object, technical solution and advantages of the present invention clearer, the implementation manner of the present invention will be further described in detail below in conjunction with the accompanying drawings.
实施例一Embodiment one
本发明实施例提供了一种无卡存取款机,参见图1,该无卡存取款机可以包括:The embodiment of the present invention provides a cardless deposit and withdrawal machine, referring to Fig. 1, the cardless deposit and withdrawal machine may include:
触屏显示模块1,用于接收用户的无卡存款或无卡取款操作指令,并显示相应的无卡存款或无卡取款操作结果。在实际应用中,用户需要在无卡存取款机上选择需要的无卡存取款操作,因为该无卡存取款机可以集成有现有的有卡存取款操作功能。The touch screen display module 1 is used to receive the user's cardless deposit or cardless withdrawal operation instruction, and display the corresponding cardless deposit or cardless withdrawal operation result. In practical application, the user needs to select the required cardless deposit and withdrawal operation on the cardless deposit and withdrawal machine, because the cardless deposit and withdrawal machine can be integrated with the existing card deposit and withdrawal operation function.
NFC模块2,用于接收移动终端通过NFC方式传输的无卡存款信息或无卡取款信息,无卡存款信息包括:用户指定存款的移动支付ID或银行卡卡号,无卡取款信息包括:取款金额以及用户指定扣费的移动支付ID或银行卡卡号。在本实施例中,这里的移动支付可以为微信钱包、支付宝、Apply pay、Samsung pay、hce、Microsoft pay等各种国内外电子支付。此外,移动支付ID或银行卡卡号均是与用户的身份相关联或绑定的。NFC module 2, used to receive no-card deposit information or no-card withdrawal information transmitted by the mobile terminal through NFC. No-card deposit information includes: mobile payment ID or bank card number designated by the user for deposit, no-card withdrawal information includes: withdrawal amount And the mobile payment ID or bank card number designated by the user for deduction. In this embodiment, the mobile payment here can be various domestic and foreign electronic payments such as WeChat wallet, Alipay, Apply pay, Samsung pay, hce, and Microsoft pay. In addition, the mobile payment ID or bank card number is associated or bound with the user's identity.
二维码扫描模块3,用于识别移动终端显示的二维码中提供的无卡存款信息或无卡取款信息。The two-dimensional code scanning module 3 is used to identify the cardless deposit information or cardless withdrawal information provided in the two-dimensional code displayed on the mobile terminal.
通信模块4,用于通过互联网与后台服务器通信,后台服务器分别与移动支付平台和银行网银平台通信连接。The communication module 4 is used to communicate with the background server through the Internet, and the background server communicates with the mobile payment platform and the bank online banking platform respectively.
身份识别模块5,用于与通信模块4配合,利用后台服务器中储存的身份识别信息识别用户的身份。在实际应用中,可以利用各种身份验证识别技术,例如:指纹识别技术、人脸识别技术、身份证识别技术等。The identification module 5 is used to cooperate with the communication module 4 to identify the identity of the user by using the identification information stored in the background server. In practical applications, various authentication and identification technologies can be used, such as: fingerprint identification technology, face recognition technology, ID card identification technology, etc.
验钞模块6,用于检验钞票的真伪。Banknote checking module 6 is used to check the authenticity of banknotes.
点钞吞吐模块7,用于检测存款或取款的数额,并收纳或发放相应的钱款。The money counting throughput module 7 is used to detect the amount of deposit or withdrawal, and receive or issue corresponding money.
智能微控制器8,分别与触屏显示模块1、NFC模块2、二维码扫描模块3、通信模块4、身份识别模块5、验钞模块6、以及点钞吞吐模块7连接,用于当接收到用户的无卡取款操作指令时,通过身份识别模块5识别用户的身份,并当用户的身份通过验证时,将通过NFC模块2或二维码扫描模块3获取到的无卡取款信息上传至后台服务器(移动支付ID或银行卡卡号分别由与后台服务器通信连接的移动支付平台或银行网银平台验证),并根据后台服务器发出的放款操作指令控制点钞吞吐模块7为用户发放相应的钱款。Intelligent micro-controller 8 is connected with touch screen display module 1, NFC module 2, two-dimensional code scanning module 3, communication module 4, identity recognition module 5, banknote checking module 6, and banknote counting throughput module 7 respectively, for when When receiving the user's no-card withdrawal operation instruction, identify the user's identity by the identity recognition module 5, and when the user's identity is verified, upload the no-card withdrawal information obtained by the NFC module 2 or the two-dimensional code scanning module 3 To the background server (the mobile payment ID or the bank card number are respectively verified by the mobile payment platform or the bank's online banking platform communicating with the background server), and control the banknote counting throughput module 7 according to the lending operation instruction sent by the background server to issue corresponding money for the user payment.
智能微控制器8,还用于当接收到用户的无卡存款操作指令时,控制点钞吞吐模块7清点用户存款数额,并通过身份识别模块5识别用户的身份,然后当用户的身份通过验证时,将存款数额信息及通过NFC模块2或二维码扫描模块3获取到的无卡存款信息上传至后台服务器,并根据后台服务器发出的收款操作指令完成相应的无卡存款操作。The intelligent micro-controller 8 is also used to control the money counting throughput module 7 to check the user's deposit amount when receiving the user's no-card deposit operation instruction, and to identify the user's identity by the identity recognition module 5, and then when the user's identity passes the verification , upload the deposit amount information and the no-card deposit information obtained through the NFC module 2 or the two-dimensional code scanning module 3 to the background server, and complete the corresponding no-card deposit operation according to the collection operation instruction sent by the background server.
在本实施例中,用户只需要通过移动终端(例如:智能手机、智能手环、平板电脑等)与无卡存取款机的互动,即可完成无卡存取款操作,操作过程方便快捷,存取款过程安全可靠,满足了人们快捷便利安全可靠的无卡存取款需求。In this embodiment, the user only needs to interact with the cardless deposit and withdrawal machine through the mobile terminal (for example: smart phone, smart bracelet, tablet computer, etc.) to complete the cardless deposit and withdrawal operation, and the operation process is convenient and fast , The deposit and withdrawal process is safe and reliable, meeting people's fast, convenient, safe and reliable cardless deposit and withdrawal needs.
下面结合图1简要说明一下无卡存取款过程:The following is a brief description of the cardless deposit and withdrawal process in combination with Figure 1:
用户先在无卡存取款机的触屏显示模块1上选择所需的无卡存款或无卡取款操作(需要说明的是无卡存取款机上也可以集成有有卡存取款操作,供用户选择),当用户选择无卡取款操作时,用户需要先通过身份识别模块5来验证身份,当用户的身份得到验证后,用户可以在移动终端上输入所需无卡取款的数额,并通过NFC方式或扫描二维码的方式,将无卡取款信息传输至无卡存取款机中,无卡存取款机将接收到的无卡取款信息上传至后台服务器,由后台服务器与移动支付平台或银行网银平台进行取款交易处理,并向无卡存取款机发送放款操作指令,以控制无卡存取款机向用户发放相应的钱款。The user first selects the required cardless deposit or cardless withdrawal operation on the touch screen display module 1 of the cardless deposit and withdrawal machine (it should be noted that the cardless deposit and withdrawal machine can also be integrated with card deposit and withdrawal operations, for the user to choose), when the user selects the cardless withdrawal operation, the user needs to verify the identity through the identity recognition module 5 first, and when the user's identity is verified, the user can input the required amount of the cardless withdrawal on the mobile terminal, and Through NFC or by scanning the QR code, the cardless cash withdrawal information is transmitted to the cardless cash machine, and the cardless cash machine uploads the received cardless cash withdrawal information to the background server, and the background server communicates with the mobile The payment platform or the bank's online banking platform processes the withdrawal transaction, and sends a disbursement operation instruction to the card-free deposit and withdrawal machine to control the card-free deposit and withdrawal machine to issue corresponding money to the user.
当用户选择无卡存款时,用户将存款放入点钞吞吐模块7中,由点钞吞吐模块7与验钞模块6配合,完成对存款数额的清点(当出现假钞时,会提醒用户重新放入存款),并在触屏显示模块1上显示存款数额,由用户确认。当用户确认存款数额后,先通过身份识别模块5来验证身份,当用户的身份得到验证后,通过NFC方式或扫描二维码的方式,将无卡存款信息传输至无卡存取款机中,无卡存取款机将无卡存款信息和存款数额信息上述至后台服务器,由后台服务器与移动支付平台或银行网银平台进行取款交易处理,并向无卡存取款机发送收款操作指令,完成相应的无卡存款操作(例如将存款收入无卡存取款机中)。When the user selects no-card deposit, the user puts the deposit into the banknote counting throughput module 7, and the banknote counting throughput module 7 cooperates with the banknote detection module 6 to complete the checking of the deposit amount (when there is a counterfeit banknote, the user will be reminded to re- Put deposit), and display the deposit amount on the touch screen display module 1, confirmed by the user. After the user confirms the deposit amount, the identity is first verified by the identity recognition module 5, and when the user's identity is verified, the no-card deposit information is transmitted to the no-card ATM through NFC or by scanning a two-dimensional code , the non-card deposit and withdrawal machine uploads the non-card deposit information and deposit amount information to the background server, and the background server and the mobile payment platform or the bank's online banking platform perform withdrawal transaction processing, and send a collection operation instruction to the non-card deposit and withdrawal machine , to complete the corresponding cardless deposit operation (for example, depositing the deposit into a cardless cash machine).
此外,后台服务器还会将存取款操作信息发送到移动终端上,供用户知悉。In addition, the background server will also send deposit and withdrawal operation information to the mobile terminal for the user to know.
具体地,参见图2,身份识别模块5,可以包括:Specifically, referring to Fig. 2, the identification module 5 may include:
身份证识别模块51,与智能微控制器8连接,用于获取用户身份证中的身份信息。The ID card identification module 51 is connected with the intelligent microcontroller 8, and is used to obtain the identity information in the user ID card.
指纹识别模块52,与智能微控制器8连接,用于获取用户的指纹信息。The fingerprint recognition module 52 is connected with the intelligent micro-controller 8 and is used to obtain the user's fingerprint information.
摄像模块53,与智能微控制器8连接,用于获取用户的面部图像信息,供人脸识别使用。The camera module 53 is connected with the intelligent micro-controller 8 and is used to obtain the facial image information of the user for face recognition.
进一步地,智能微控制器8,还可以用于当通过触屏显示模块1接收到用户的取款操作指令时,将通过指纹识别模块52获取的用户指纹信息和通过摄像模块53获取的用户面部图像信息,上传至后台服务器以验证用户身份,然后当用户的指纹信息和面部图像信息均通过验证时,将通过NFC模块2或二维码扫描模块3获取的取款信息上传至后台服务器,并根据后台服务器发出的放款操作指令控制点钞吞吐模块7为用户发放相应的钱款。Further, the intelligent micro-controller 8 can also be used for receiving the user's withdrawal operation instruction through the touch screen display module 1, and the user's fingerprint information obtained by the fingerprint recognition module 52 and the user's facial image obtained by the camera module 53 information, uploaded to the background server to verify the user's identity, and then when the user's fingerprint information and facial image information have passed the verification, the withdrawal information obtained through the NFC module 2 or QR code scanning module 3 is uploaded to the background server, and according to the background The lending operation instruction that server sends controls banknote counting throughput module 7 to issue corresponding money for the user.
在本实施例中,用户进行无卡取款操作时,为了保障操作的安全性,可以通过指纹识别和人脸识别双重验证,来保障用户信息的正确性。In this embodiment, when the user performs a cardless withdrawal operation, in order to ensure the safety of the operation, the correctness of the user information can be ensured through double verification of fingerprint recognition and face recognition.
进一步地,智能微控制器8,还可以用于当通过触屏显示模块1接收到用户的取款操作指令时,将通过指纹识别模块52获取的用户指纹信息、通过摄像模块53获取的用户面部图像信息、以及身份证识别模块51获取的用户身份证信息,上传至后台服务器以验证用户身份,然后当用户的指纹信息、面部图像信息以及身份证信息均通过验证时,将通过NFC模块2或二维码扫描模块3获取的取款信息上传至后台服务器,并根据后台服务器发出的放款操作指令控制点钞吞吐模块7为用户发放相应的钱款。Further, the intelligent micro-controller 8 can also be used for when the user's withdrawal operation instruction is received by the touch screen display module 1, the user's fingerprint information obtained by the fingerprint identification module 52, the user's facial image obtained by the camera module 53 Information, and the user's ID card information obtained by the ID card identification module 51, upload to the background server to verify the user's identity, then when the user's fingerprint information, facial image information and ID card information are verified, will pass NFC module 2 or two The withdrawal information obtained by the two-dimensional code scanning module 3 is uploaded to the background server, and the banknote counting throughput module 7 is controlled to issue corresponding money for the user according to the lending operation instruction sent by the background server.
在本实施例中,为了更进一步确保用户身份验证的安全性,用户可以预设设置身份证信息验证步骤,这样用户在无卡取款时,可以同时进行三道身份验证(指纹识别验证、人脸识别验证、以及身份证信息验证),更加确保无卡取款的安全性。In this embodiment, in order to further ensure the safety of user identity verification, the user can preset the ID card information verification steps, so that when the user withdraws money without a card, he can simultaneously perform three identity verifications (fingerprint recognition verification, facial recognition verification, etc.) Identification verification, and ID card information verification), to ensure the safety of cardless withdrawals.
进一步地,智能微控制器8,可以用于当通过触屏显示模块1接收到用户的存款操作指令时,控制点钞吞吐模块7清点用户存款数额,并将通过指纹识别模块52获取的用户指纹信息、通过摄像模块53获取的用户面部图像信息、以及身份证识别模块51获取的用户身份证信息中至少一种,上传至后台服务器以验证用户身份,然后当用户的身份通过验证时,将存款数额信息及NFC模块2或二维码扫描模块3传输来的存款信息上传至后台服务器,并根据后台服务器发出的收款操作指令完成相应的存款操作。Further, the intelligent micro-controller 8 can be used to control the banknote counting throughput module 7 to count the user's deposit amount when receiving the user's deposit operation instruction through the touch screen display module 1, and the user's fingerprint obtained by the fingerprint recognition module 52 Information, at least one of the user's facial image information obtained by the camera module 53 and the user's ID card information obtained by the ID card identification module 51 are uploaded to the background server to verify the user's identity, and then when the user's identity is verified, deposit The amount information and the deposit information transmitted by the NFC module 2 or the two-dimensional code scanning module 3 are uploaded to the background server, and the corresponding deposit operation is completed according to the collection operation instruction sent by the background server.
在本实施例中,无卡存款的身份验证方面,无需像无卡取款那样严苛,只需要用户通过指纹识别验证、人脸识别验证、以及身份证信息验证中一种或多种验证即可。In this embodiment, the identity verification of no-card deposit does not need to be as strict as no-card withdrawal, and only requires the user to pass one or more of fingerprint recognition verification, face recognition verification, and ID card information verification. .
可选地,参见图3,无卡存取款机还可以包括:Optionally, referring to Fig. 3, the cardless cash deposit machine may also include:
语音模块12,与智能微控制器8连接,用于与摄像模块53配合,共同记录用户的现场存取款场景信息。The voice module 12 is connected with the intelligent microcontroller 8, and is used to cooperate with the camera module 53 to jointly record the user's on-site deposit and withdrawal scene information.
在本实施例中,用户的无卡存取款场景信息(包括现场的录像信息和语音信息)需要记录下来供后续查阅,为挽救操作失误提供补救的证据。In this embodiment, the user's cardless deposit and withdrawal scene information (including on-site video information and voice information) needs to be recorded for subsequent reference, providing remedial evidence for rescuing operational errors.
进一步地,参见图3,无卡存取款机还可以包括:Further, referring to Fig. 3, the cardless cash deposit machine may also include:
储存模块9,与智能微控制器8连接,用于备份用户的现场存取款场景信息。The storage module 9 is connected with the intelligent micro-controller 8 and is used for backing up the user's on-site deposit and withdrawal scene information.
进一步地,智能微控制器8,还用于将用户的现场存取款场景信息通过通信模块4上传到后台服务器中进行备份。Further, the intelligent microcontroller 8 is also used to upload the user's on-site deposit and withdrawal scene information to the background server through the communication module 4 for backup.
在本实施例中,用户的现场存取款场景信息可以先保存在无卡存取款机的储存模块9中,并在后台服务器中进行备份,保障了现场存取款场景信息储存的可靠性。In this embodiment, the user's on-site deposit and withdrawal scene information can be stored in the storage module 9 of the cardless cash deposit and withdrawal machine first, and backed up in the background server, which ensures the reliability of the on-site deposit and withdrawal scene information storage .
可选地,参见图3,无卡存取款机还可以包括:Optionally, referring to Fig. 3, the cardless cash deposit machine may also include:
电源10,用于为无卡存取款机供电;The power supply 10 is used to supply power for the non-card deposit and teller machine;
电源管理模块11,分别与电源和智能微控制器8连接,用于在接收到智能微控制器8发送的节能供电指令后,控制电源10进入节能供电模式(例如:触屏显示模块1的亮度变暗),节能供电指令为智能微控制器8检测到预设时间段(例如:1分钟)内没有用户进行存取款操作时发出的。The power management module 11 is connected with the power supply and the intelligent microcontroller 8 respectively, and is used to control the power supply 10 to enter the energy-saving power supply mode after receiving the energy-saving power supply instruction sent by the intelligent microcontroller 8 (for example: the brightness of the touch screen display module 1 darken), the energy-saving power supply command is issued when the intelligent microcontroller 8 detects that there is no user depositing and withdrawing operations in a preset time period (for example: 1 minute).
电源管理模块11,还用于在接收到智能微控制器8发送的正常供电指令后,控制电源10进入正常供电模式(例如:触屏显示模块1的亮度恢复正常),正常供电指令为智能微控制器8检测到有用户进行存取款操作时发出的。The power management module 11 is also used to control the power supply 10 to enter the normal power supply mode (for example: the brightness of the touch screen display module 1 returns to normal) after receiving the normal power supply instruction sent by the intelligent microcontroller 8. It is sent when the controller 8 detects that a user performs deposit and withdrawal operations.
在本实施例中,该无卡存取款机还具有节能功能,节省了运营成本。In this embodiment, the cardless deposit and teller machine also has an energy-saving function, which saves operating costs.
本发明实施例通过触屏显示模块、NFC模块、二维码扫描模块、通信模块、身份识别模块、验钞模块、点钞吞吐模块、以及智能微控制器构成了无卡存取款机,该无卡存储款机为用户提供了安全可靠的无卡存取款业务服务,还能实现向指定移动支付账户进行存取款服务,丰富了用户的无卡存取款功能,而且,无需记住银行卡账户和移动支付账户,就能简单快捷的实现无卡存取款操作,满足了人们对无卡存取款简便快捷安全可靠的多样化需求。In the embodiment of the present invention, a cardless cash deposit and withdrawal machine is formed by a touch screen display module, an NFC module, a two-dimensional code scanning module, a communication module, an identity recognition module, a banknote verification module, a banknote counting throughput module, and an intelligent microcontroller. The cardless cash deposit machine provides users with safe and reliable cardless deposit and withdrawal business services, and can also realize deposit and withdrawal services to designated mobile payment accounts, which enriches the user's cardless deposit and withdrawal functions, and there is no need to remember Bank card accounts and mobile payment accounts can easily and quickly realize cardless deposit and withdrawal operations, meeting people's diverse needs for cardless deposits and withdrawals that are simple, fast, safe and reliable.
实施例二Embodiment two
本发明实施例提供了一种无卡存取款系统,参见图4,该无卡存取款系统可以包括:移动终端100、实施例一所述的无卡存取款机200、以及后台服务器300。An embodiment of the present invention provides a cardless deposit and withdrawal system, referring to Figure 4, the cardless deposit and withdrawal system may include: a mobile terminal 100, the cardless deposit and withdrawal machine 200 described in Embodiment 1, and a background server 300.
移动终端100上设置有NFC芯片、无卡存取款APP中至少一个,NFC芯片绑定有移动支付ID或银行卡卡号,无卡存取款APP能生成包含无卡存款信息或无卡取款信息动态二维码,无卡存款信息包括:用户指定存款的移动支付ID或银行卡卡号,无卡取款信息包括:取款金额以及用户指定扣费的移动支付ID或银行卡卡号。The mobile terminal 100 is provided with at least one of an NFC chip and a non-card deposit and withdrawal APP. The NFC chip is bound with a mobile payment ID or a bank card number. Dynamic QR code, no-card deposit information includes: mobile payment ID or bank card number designated by the user for deposit, no-card withdrawal information includes: withdrawal amount and mobile payment ID or bank card number designated by the user for deduction.
后台服务器300分别与移动支付平台和银行网银平台通信连接,移动终端100和无卡存取款机200均通过互联网与后台服务器300连接。The background server 300 is respectively connected to the mobile payment platform and the bank's online banking platform, and the mobile terminal 100 and the cardless cash machine 200 are connected to the background server 300 through the Internet.
在本实施例中,无卡存取款机200的工作原理以及无卡存取款过程在实施例一中已有说明,这里不再赘述。In this embodiment, the working principle of the cardless deposit and withdrawal machine 200 and the process of depositing and withdrawing without a card have been described in Embodiment 1, and will not be repeated here.
本发明实施例通过触屏显示模块、NFC模块、二维码扫描模块、通信模块、身份识别模块、验钞模块、点钞吞吐模块、以及智能微控制器构成了无卡存取款机,该无卡存储款机为用户提供了安全可靠的无卡存取款业务服务,还能实现向指定移动支付账户进行存取款服务,丰富了用户的无卡存取款功能,而且,无需记住银行卡账户和移动支付账户,就能简单快捷的实现无卡存取款操作,满足了人们对无卡存取款简便快捷安全可靠的多样化需求。In the embodiment of the present invention, a cardless cash deposit and withdrawal machine is formed by a touch screen display module, an NFC module, a two-dimensional code scanning module, a communication module, an identity recognition module, a banknote verification module, a banknote counting throughput module, and an intelligent microcontroller. The cardless cash deposit machine provides users with safe and reliable cardless deposit and withdrawal business services, and can also realize deposit and withdrawal services to designated mobile payment accounts, which enriches the user's cardless deposit and withdrawal functions, and there is no need to remember Bank card accounts and mobile payment accounts can easily and quickly realize cardless deposit and withdrawal operations, meeting people's diverse needs for cardless deposits and withdrawals that are simple, fast, safe and reliable.
上述本发明实施例序号仅仅为了描述,不代表实施例的优劣。The serial numbers of the above embodiments of the present invention are for description only, and do not represent the advantages and disadvantages of the embodiments.
以上所述仅为本发明的较佳实施例,并不用以限制本发明,凡在本发明的精神和原则之内,所作的任何修改、等同替换、改进等,均应包含在本发明的保护范围之内。The above descriptions are only preferred embodiments of the present invention, and are not intended to limit the present invention. Any modifications, equivalent replacements, improvements, etc. made within the spirit and principles of the present invention shall be included in the protection of the present invention. within range.
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