N postures of deposit and withdrawal in card-free era: brushing face, scanning code and paying by mobile phone.

N postures of deposit and withdrawal in card-free era: brushing face, scanning code and paying by mobile phone.

  Everyone can travel without cash now, but many people dare not take their bank cards, for fear that they will not be able to get money from the ATM in case they need cash. In fact, with the continuous innovation of bank deposit and withdrawal methods, it is nothing new to deposit and withdraw cash without a card. Beijing Youth Daily reporter recently visited a number of banks and experienced a variety of convenient services that can be enjoyed without a bank card.

  Brush face to withdraw money: there is a limit.

  The latest way to withdraw cash without a card is to push the face to withdraw money. Stand in front of the ATM, let the camera take a picture, and then enter a few simple messages, and the money can be spit out from the ATM. A plot that sounds like science fiction has now become a reality. At present, some ATMs of China Merchants Bank, Agricultural Bank of China, China Construction Bank and other banks have the function of withdrawing money by brushing their faces.

  In October 2015, China Merchants Bank took the lead in announcing the launch of "ATM face-brushing withdrawal" business in China. Now there are hundreds of ATMs of China Merchants Bank providing this service in Beijing.

  How to use this function? On the homepage of ATM screen of China Merchants Bank, there is a function bar of "brush face to withdraw money". After clicking it, the customer enters the face recognition image screen, and the customer must face the ATM camera to expose the whole face, and can’t block it and shake it frequently. After the system automatically captures the customer’s head, the page will prompt the cardholder to enter the mobile phone number reserved in China Merchants Bank, and the system will automatically compare it. After matching, the ATM will display the card number information under the customer’s name, the customer will select the card number for withdrawal, and then enter the withdrawal amount and password, and the cash will be spit out from the machine. If the system does not match, it will prompt that the personal information cannot be matched and the transaction is cancelled. The whole process is very convenient without inserting a card to get it.

  ABC’s face-brushing withdrawal process is basically similar to that of China Merchants Bank, except that in the process of identity verification, ABC can choose to enter ID number or mobile phone number. According to the experience of netizens, the withdrawal can be completed in less than one minute, which is similar to the withdrawal with a card.

  However, in terms of functional authority, ABC’s face-brushing withdrawal function does not need to be specially opened, while China Merchants Bank needs cardholders to specially open this function on mobile banking. Considering that face recognition technology is an innovative attempt in the field of withdrawal, in order to reduce security risks, there is a limit on the current "face-brushing withdrawal". China Merchants Bank’s cumulative withdrawal limit for a single card on the same day is 3,000 yuan; Agricultural Bank of China does not exceed 3,000 yuan per day for a single transaction, 10,000 yuan per day in total, and no more than 5 times per day.

  Scan the code to withdraw money: use the bank APP

  When people pay the bill, they are used to taking out their mobile phones to scan the code. In fact, they can also withdraw money by scanning the code at ATM.

  In May last year, ICBC launched a new service of mobile banking to withdraw cash by scanning code. Customers don’t need to use the physical medium of bank cards, just open the "scan" function in ICBC’s mobile banking client, scan the QR code displayed on the ATM screen, enter the withdrawal amount and use ICBC e-payment to verify it successfully, and then click the "Withdraw" button on the ATM to complete the whole withdrawal process. If the customer has enabled the one-click payment function of mobile banking, it is more convenient to complete the payment safely by inputting the preset static payment password in the mobile banking client without inputting the mobile phone number, account, verification code and other information in the process of code scanning cash withdrawal.

  On September 15th this year, the ATM of Bank of China added the function of mobile phone scanning QR code to withdraw cash. A few days ago, the reporter came to a 24-hour self-service bank in a branch of Bank of China for a field experience. To withdraw money by scanning code, you need to download the mobile banking APP of Bank of China on your mobile phone and bind it with a bank card, without opening other permissions. Then, click "scan code to withdraw money" on the ATM screen of Bank of China, scan the QR code on the ATM with the "scan" function of mobile banking, then enter the withdrawal amount, confirm the withdrawal account and enter the withdrawal password, and you can successfully withdraw the required cash. The whole process takes only a few minutes.

  According to reports, Bank of China’s ATM scanning code withdrawal adopts double insurance of mobile banking APP verification and ATM encryption verification. When withdrawing money, you need to log in to mobile banking through your fingerprint, and enter the withdrawal password at ATM, which effectively ensures the security of customer accounts and funds. At present, the ATM scanning code withdrawal of China Bank is completely free, and the daily withdrawal limit is 5,000 yuan.

  Pay withdrawal by mobile phone: to verify fingerprints

  After Apple Pay entered the China market, it captured the hearts of many fruit fans by paying the bill with one stroke. In fact, cardholders can also withdraw money without a card through Apple Pay at ATM. Samsung Pay and Huawei Pay can do the same.

  As long as the cardholder’s mobile phone and ATM both support related functions, the cardholder can successfully withdraw cash from the ATM by swiping the mobile phone and checking the fingerprint "Pay". At present, some ATMs of CCB, China Merchants Bank and China Everbright Bank have supported cash withdrawal through "Pay".

  Take Everbright Bank as an example, it only takes five easy steps for cardholders to withdraw money through Apple Pay at Everbright ATM. First, choose the contactless IC card withdrawal service at ATM, enter the withdrawal amount, then put the mobile phone near the sensing area, verify the fingerprint through Touch ID, enter the withdrawal password, and verify the fingerprint through Touch ID again, and the withdrawal can be successful.

  Withdrawal by appointment: the limit of each bank is different.

  Before face-brushing withdrawal, code-scanning withdrawal and mobile phone Pay withdrawal, more banks carry out card-free withdrawal business through appointments in mobile phone banking, online banking, telephone banking and other channels. It is understood that there are differences in specific details among banks in handling cash withdrawals without cards, but the handling steps basically include two links: online reservation withdrawal and offline cash withdrawals without cards.

  When making an appointment, banks generally require customers to choose the account and withdrawal amount for making an appointment, but other agreed information varies slightly from bank to bank. For example, CCB will ask for an appointment for the withdrawal period and area, and the cardholder will withdraw money from the ATM with the special withdrawal ID and withdrawal password received by SMS. ICBC needs to set a 6-digit reservation code, and the reservation is valid only on the same day, and it is stipulated that a debit card registered with mobile banking can be withdrawn without a card. The maximum amount of a card-free withdrawal by ABC is 3,000 yuan, and the reservation is valid for 24 hours. You can directly use the "card-free reservation withdrawal" function at ATM, and you can withdraw money by entering your mobile phone number and withdrawal password, without other reservation codes or verification codes.

  In terms of cash withdrawal amount, most banks can make a cumulative appointment of 20,000 yuan per day for cash withdrawal without a card, but there are differences in the single cash withdrawal limit and the number of cash withdrawals per day. In terms of a single amount, some banks do not exceed 2500 yuan at most, and some banks can reach 3000 yuan. CCB also stipulates that the cumulative number of days for mobile banking to apply for special withdrawals should not exceed 5,000 yuan.

  No card deposit: you need to remember the card number.

  You can withdraw money without a card and deposit without a card. Yesterday, Beijing Youth Daily reporter saw the function bars of "no card deposit", "no passbook deposit" and "no card passbook deposit" on the deposit and withdrawal machines of most banks such as ICBC, CCB and ABC.

  After clicking Enter, you need to completely enter the card number or passbook number twice. After checking the account and the owner’s name, the deposit slot at the bottom of the electronic screen will open, and the customer will put the banknotes with face value of 100 yuan into the deposit slot, and the machine will start counting. After the counting is completed, the unqualified banknotes will be required to be retrieved, and the number and total amount of qualified banknotes will be displayed on the screen. After the customer confirms, the information such as account, account name and deposit amount will be displayed again. After final confirmation, the transaction is completed, and you can choose to print the receipt.

  It is worth noting that only 100 yuan banknotes can be deposited, with a maximum of 100 banknotes at a time. The deposit account can be your own or someone else’s.

  Safety tips

  The security of withdrawing money without card is strong, so we need to be vigilant.

  Bankers remind that although it is simple and convenient to withdraw money without a card, cardholders should always pay attention to protecting their own funds. In operation, it should be noted that after users make an appointment to withdraw money on platforms such as mobile banking, they will receive information such as "special withdrawal number, set special withdrawal password and withdrawal amount" issued by the bank. For such short messages, users need to take good care of them and avoid leaking them (for example, forwarding bank notification short messages to others) to ensure the safety of funds.

  In addition, users need to be especially alert to criminals using "cash withdrawal without card" to commit fraud, especially not to send the verification code received by the mobile phone to others in any form. Previously, there have been cases in which criminals used the bank’s card-free appointment withdrawal business to commit fraud.

  Text/reporter Cheng Wei


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