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　　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

Source: People’s Daily Online-People’s Daily Overseas Edition

The audience enjoyed the "Zhonghe Shaole" musical instrument in Qing Dynasty. Du Jianpo

Qing gan long Jin tai enamel figure holding pot Du Jianpo

Qing gan long Ji Qing Jin Cai hai Yan he Qing Zun Photo courtesy of Guobo

Qing Qianlong’s "seventy-two poems on the imperial month" is colored ink (September and October). Du Jianpo

From ancient stone tools, bone implements, jade articles and pottery to colorful export porcelain and finely carved lacquerware, from the silk painting "Fuxi Nu Wa Tu" drawn by the Tang Dynasty to the Tao Te Ching written by the calligrapher in fine small letters in the Yuan Dynasty … into the China National Museum "Harmony and Symbiosis-the Forbidden City-Guobo Tibetan Cultural Relics Joint Exhibition", rich cultural relics show the long history of Chinese civilization.

This exhibition is the first heavy special exhibition jointly launched by the Palace Museum and the National Museum of China. More than 400 cultural relics are selected from the rich collections of the Palace Museum and Guobo for display. The exhibition is divided into four units, which expounds the historical origin and rich connotation of China’s "harmony" culture from four aspects: the universe, the world, society and morality. The first unit, "Harmony between Heaven and Earth", explains the cosmology of the unity of heaven and man advocated by the Chinese nation since ancient times; The second unit, "Harmony among All Nations", explains the world view of harmony among all nations upheld by the Chinese nation when dealing with foreign relations; The third unit, "Yi Min An He", explains Chinese civilization’s respect and tolerance for the cultural diversity of all social strata and ethnic groups. The fourth unit, "Happiness lies in harmony with people", explains the moral concept of "people’s hearts are kind" of the Chinese nation.

Wisdom of the Unity of Heaven and Man

Stepping into the exhibition hall, the jade ritual vessels of Hongshan culture Yulong, Liangzhu culture Jade Cong and Qijia culture Jade Bi attracted the audience to stop and enjoy. Chinese ancestors collected natural jade and carefully crafted it into a ritual vessel to communicate with heaven and earth and offer sacrifices to ancestors. Today, thousands of years later, when we see these jade articles, we will still be amazed by the superb carving skills and rich imagination of our ancestors.

From chiseling stone, grinding bone and reeling silk to making pottery, smelting copper and painting lacquer, the ancients had a deeper and more comprehensive understanding of the development and utilization of natural materials and the laws of nature, and the emotional resonance and aesthetic concepts caused by natural phenomena were gradually integrated into labor practice and material creation, thus forming a unique ritual and music civilization and social system of the Chinese nation.

In ancient times, the ancestors in the middle and lower reaches of the Yellow River summed up the laws of natural changes according to the climate and four seasons alternately, so as to guide daily life and realize the progress of productive forces. Monthly order, that is, taking the four seasons as the general outline and December as the details, records the astronomical calendar and natural phenology in time, and arranges the decrees of production and life accordingly. In the exhibition hall, Qingganlong’s "Poems of seventy-two waiting for the moon" is the embodiment of the cultural tradition of "obeying the weather and responding to the times". This ink set consists of two boxes, with 6 drawers in each box and 6 spindles in each drawer, totaling 72 spindles. One spindle of ink corresponds to a phenology, with different sizes and shapes, including round, oval, square, hexagonal, leaf, tablet, harp and bell. Ink colors are divided into green, red, white, blue and yellow, which correspond to the traditional five elements in China: spring (first month and February) is wood, which corresponds to green; Summer (April and May) is fire, corresponding to red; Autumn (July and August) is gold, corresponding to white; Winter (October and November) is water, corresponding to blue; The turn of the two seasons (March, June, September and December) is earth, which means activation and hair growth, corresponding to yellow.

Next to the moon-colored ink, there is a set of poems cups with colorful December flowers in Qing Kangxi. This set of multicolored cups consists of 12 pieces. The bright white glaze is decorated with blue and white multicolored flowers. On the one hand, the representative flowers of each month are painted, and on the other hand, the poems corresponding to the flowers are inscribed. Most of the poems are taken from The Whole Tang Poetry. This set of porcelain cups belongs to the imperial wine glasses, with thin and light tires, beautiful patterns and neat styles, which represents the highest level of making blue and white multicolored thin-shell porcelain in Jingdezhen Imperial Kiln Factory in Kangxi Dynasty.

On the one hand, there are bronze bells, chimes and cymbals in the Spring and Autumn Period and the Warring States Period, and on the other hand, there is the glittering "Zhonghe Shaole" musical instrument in the Qing Dynasty. The two sets of exhibits reflect the inheritance and development of Chinese ritual and music culture for thousands of years. Elegant music is the orthodox music used in ancient China to worship heaven and earth, ancestors, and banquets. Its system was formulated in the early years of the Western Zhou Dynasty. The main musical instruments of ancient elegant music are chimes and chimes. The music begins with a bronze bell and ends with a jade chime, which is a combination of many voices and symbolizes "golden sound and jade vibration". "Zhonghe Shaole" has the highest specification in the music system of Ming and Qing Dynasties, and is mainly used for altar and temple sacrifices and national ceremonies above Zhongsi. The bronze-gilded chime with double dragons and dragons’ buttons and dragons’ patterns made during the reign of Emperor Qianlong of Qing Dynasty was hung on the shelf carved with dragons and painted with gold in two layers, showing its dignity and elegance. Matching with it, the jadeite-painted plait with Un-yong Kim pattern is made of precious jade from Hetian, Xinjiang, and both sides of the chime are decorated with Un-yong Kim pattern. The golden yellow of the gold-painted pattern and the emerald green of the jade are brilliant.

Openness and tolerance

In the independent showcase, a small seal on one side evokes people’s reverie of desert wind and smoke and camel bells. This lute was unearthed from Zhang Qian’s tomb in Chenggu County, Shaanxi Province, and the front is engraved with the words "Bowang-Zao" in Yang. During the period of Emperor Wu of the Han Dynasty, Zhang Qian was ordered to make two missions to the Western Regions, which opened up the world-famous Silk Road and was named Bo Wanghou.

The brocade of the Tang Dynasty with decorative group patterns, knight patterns and pig head patterns tells the story of increasing prosperity after the Silk Road was opened for thousands of years. The exotic patterns are integrated with the traditional auspicious patterns in the Central Plains, presenting an open, inclusive and colorful prosperous scene.

Painted porcelain from Changsha kiln in the Tang Dynasty, celadon from Longquan kiln in the Yuan Dynasty, blue-and-white porcelain from Jingdezhen kiln in the Ming Dynasty, and wide-colored porcelain in the Qing Dynasty … Famous export porcelain products of past dynasties witnessed the prosperity of the Maritime Silk Road. A green glazed phoenix tail statue of Longquan kiln with elegant shape and exquisite decoration attracted the reporter’s attention. This statue has a long neck, rich shoulders, and gradually converges below the abdomen, slightly skimming near the foot and circling the foot. Thick blue glaze is applied inside and outside the porcelain, and the glaze is open. The neck is carved with dense chords, the upper abdomen is carved with branches-bound peony, and the lower abdomen is carved with chrysanthemum petals. According to reports, in a Yuan Dynasty shipwreck full of ceramics in Xin ‘an sea area, South Korea, a phoenix-tailed statue with green glaze and peony pattern in Longquan kiln was found, which proved that Longquan kiln celadon played an important role in the cultural exchange and trade of the Maritime Silk Road in Yuan Dynasty.

Corresponding to these export porcelains, overseas countries learn from China’s porcelain-making technology to produce porcelains. For example, Koryo celadon in the 12th century, Jingdezhen multicolored porcelain imitated by Maisen kiln in Europe in the 18th century, and Dehua kiln white porcelain imitated by Japan in the 19th century. These foreign porcelain products have flowed into China and entered the palace, which has become a much-told story for the exchange and mutual learning between Chinese and foreign civilizations.

Passing through a porch that imitates the panorama of the Forbidden City, a series of exhibits come into view, which reflect the achievements of innovation and development after the introduction of western culture into China. The figurines of the Qing-Gan-Long Golden Fetus Enamel are combined with many techniques such as inlay, engraving, silk-twisting enamel and painting enamel, which are exquisite and amazing. This pot is made of gold, and its shape is gourd-shaped. The whole body is painted with blue enamel, decorated with twisted silk and lotus patterns, and inlaid with pearls and corals in many places. Painted enamels with different sizes and shapes are symmetrically arranged on the lid, neck, lower abdomen and large abdomen, and figures, flowers and courtyard landscapes are painted inside the enamel. Under it, it is equipped with a lotus-carved gold-plated copper seat. Cloisoned enamel and painted enamel are all imported from the west. During Qianlong period, there were few figures decorated in enamel products, so this device can be called a masterpiece. The ladies and courtyard figures painted in the opening of the vessel are traditional paintings in China, but they are expressed by European techniques, which reflects the artistic style of combining Chinese and Western styles.

The morality of harmony and goodness

The third unit of the exhibition presents a picture of the harmonious coexistence of scholars, agriculture, industry and commerce in ancient China. "Han Bao Sai Wu Huan leads many leaders" camel button bronze seal is the official seal awarded by the Eastern Han Dynasty court to the leaders of Wu Huan nationality. Wuhuan is a branch of Donghu people in ancient China. The title of "leading the crowd" is related to his deeds such as leading the crowd to join, guarding the frontier fortress, helping the war and counterinsurgency. Cultural relics with national characteristics, such as the bronze musical instruments of southwest nationalities in Han Dynasty, the jade carvings of "Spring Water" and "Autumn Mountain" in Jin Dynasty, and the "Gong Gong Tu" in Ming and Qing Dynasties, reflect the colorful national culture.

The Southern Tour of Qianlong is a huge historical picture of Qing Dynasty painter Xu Yang’s first southern tour of Jiangsu and Zhejiang in 1751 with "imperial poetry as the picture". The whole picture consists of 12 volumes, which combines poetry, calligraphy and painting, and realistically depicts the scene of Qianlong’s early trip to the south of the Yangtze River, the province asking for customs, inspecting officials and the people, inspecting river workers, reviewing divisions and brigades, offering sacrifices to Yuling and visiting scenic spots in lakes and mountains, which truly reflects the splendid rivers and mountains and social features. In this exhibition, the sixth volume of the Southern Tour of Qianlong was exhibited. This volume is entitled "Zhu Gu Su", which focuses on the landscape from Changmen to Xumen in Suzhou. The whole painting takes the Grand Canal as the main axis, with houses and shops along the banks of the river, which is full of prosperity and prosperity.

The foundation of a harmonious society is the values of "people are kind" and "harmony is the most important". Ming Xianzong Zhu Jianshen painted the axis of "A Harmony Map", depicting three old people huddled together, with the old man on the left wearing a Taoist crown, the old man in the middle dressed as a monk, and a Confucian scholar wearing a square towel on the right. The composition of the whole work is ingenious, and it looks like a smiling Maitreya sitting cross-legged, beaming and harmonious, showing the thought of the unity and harmonious blending of Confucianism, Buddhism and Taoism.

At the end of the exhibition, a piece of green and golden colors, Haiyan River, attracted people’s attention. The outer wall of this device is painted with blue enamel, with gold-painted branches-bound peony, banana leaf pattern, ruyi cloud pattern, etc., and near the foot is decorated with pastel lotus pattern and lotus bead pattern, and a pair of white swallows with wings spread and tails cut are carved between the shoulders and necks as ears. This porcelain statue was fired by Jingdezhen Imperial Kiln in the Qing Dynasty for Haiyan Hall in Yuanmingyuan. It needs to be put into the kiln and painted many times, and its technology is superb, which is a combination of carving, pasting and embossing. The blue color of this statue symbolizes "Heqing", and Yan is homophonic with "Yan", which means that Haiyan River is clear and the world is peaceful.

Although Tenghahe has never revealed Maguire’s future in public, many media have said that Maguire, the current Manchester United captain who once created a sky-high transfer fee of 80 million pounds, has a high probability of leaving Old Trafford, and Manchester United’s asking price has also been reduced to 40 million.

Maguire has only made 15 appearances in the Premier League this season, starting only seven times. The problem is that Maguire has been unable to adjust his state, and Tenghahe is extremely stubborn and will not change tactics just for Maguire.

As a captain, Maguire lacks competition time. He should try to leave Manchester United for another club to revive his career for the sake of his career. If Maguire can’t become the main force, southgate will have to bear great pressure when he recruits Maguire.

Maguire is the victim of Manchester United’s chaotic system. He is only 30 years old this year, which is arguably the best age for central defenders. All changes have their roots.

In his first two years at Manchester United, he was the most reliable central defender in Manchester United, with few mistakes and few injuries. At that time, the most talked about by Manchester United fans was who to partner with Maguire to improve Manchester United’s defense.

In the past, Manchester United once relied on the counterattack system, and Maguire was one of the most reliable players in this system.

Subsequently, from Ole Gunnar Solskjaer to Tenhah, Manchester United put the tactical focus on the high position to force the grab. Maguire, who turned slowly, became the focus of the breakthrough. For a time, all the teams found that the most appropriate tactic in the face of Manchester United’s new system was to defend and counterattack, and constantly forced Maguire to make him make mistakes.

Although he always likes to show off his feet, Maguire prefers the traditional central defender and is suitable for low-post defense. Maguire is actually not suitable for Manchester United’s football style. Modern high-position grabbing and ball control will cover up his advantages and amplify his shortcomings.

Just like Samuel, going to Real Madrid was full of loopholes, and playing low-post defense in Rome and Inter Milan was definitely a needle in the sea.

Although always poking fun at the aircraft carrier, Maguire definitely has a team to go to the Premier League crouching team, Serie A and even thighs. If Mourinho’s hands, such a big gate squatting in the backcourt, the picture dare not think, Maguire and Mourinho can be said to be a perfect match.

At present, it seems that Maguire can’t play in the giants, because the giants have to play high positions to force and oppress, and Maguire can only squat.

No one denies that Maguire really brought the team’s defense well in the first two seasons. When I first came here, full attendance also made a lot of contributions. Now I am in a bad state, but I have no complaints about replacing the captain and the national team’s thigh, no matter what.# Manchester United #Or Maguire, it’s a win-win situation to get together and part now.