CN105654377B - Cardless withdrawal method, related device and system - Google Patents
Cardless withdrawal method, related device and system Download PDFInfo
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Abstract
The invention discloses a cardless withdrawal method, a related device and a system, wherein the method comprises the following steps: the information processing device installed on the user terminal sends card information and transaction information so that a self-service equipment terminal system can obtain the card information and the transaction information; and the self-service equipment terminal system sends the password information input by the user, the card information and the transaction information to a server for transaction processing. The invention is suitable for various bank IC cards, can realize card-free withdrawal based on the security authentication of IC card real objects, fully utilizes the security characteristics of the IC cards, simplifies the operation of users on self-service equipment and improves the use efficiency of the equipment.
Description
Technical Field
The invention relates to the field of communication and data processing, in particular to a cardless withdrawal method, a related device and a system.
Background
Currently, for Card payment, the Card medium may be a financial Secure digital memory Card (SD Card), an swp (single Wire protocol) -SIM (subscriber Identity module) Card, a SIM-PASS Card, a Secure Element (SE) chip in a terminal, and the like. With the vigorous development of mobile payment technology, each big dispute launches its own mobile payment applications, such as: WeChat wallets, Payment and application pay, Samsung pay, hce, Microsoft pay, and the like, which are well known at home and abroad.
The financial industry, particularly the banking industry, is issuing and popularizing financial IC cards on a large scale. Meanwhile, the development of smart phones and mobile payment technologies promotes the appearance of various novel payment means and the appearance of new things such as special-shaped IC cards, non-connected IC cards and mobile payment, so that the function of the traditional self-service withdrawal business for withdrawing money by inserting cards is difficult to deal with. Therefore, a safe and reliable self-service money withdrawing mode based on a novel payment means and suitable for different media (including traditional media and novel media) is urgently needed in the industry.
In the "guidance suggestion on promoting the healthy development of the innovation of the mobile financial technology" issued by the central authorities, when the mobile terminal provides mobile services in a mode of interacting with the acceptance terminal at a transaction site, an account medium based on a secure chip should be used in principle, and the method meets the relevant standards of financial fields such as acceptance of Integrated Circuit (IC) cards and bank cards.
A similar solution that has been implemented in the industry today is to reserve cardless withdrawals. The customer applies for card-free withdrawal through a signed mobile phone bank or an on-line bank, the bank provides withdrawal information and a password after verifying the identity and the signed information of the customer, and the customer inputs corresponding withdrawal information and the password in self-service equipment to realize card-free withdrawal. The special withdrawal mode obviously does not meet the guidance suggestion that the mobile payment proposed by the central office is based on the payment of the entity card medium in principle, and has the following defects: the security advantage of the IC card cannot be exerted; when a customer withdraws money, information such as a withdrawal number and a withdrawal password (generally a temporary mobile phone verification code or a one-time password set by the customer) needs to be input, so that the method is inconvenient and easy to steal by others.
Disclosure of Invention
In order to solve the technical problems, the invention provides a cardless withdrawal method, a related device and a related system, which are suitable for various bank IC cards, and can fully utilize the safety characteristics of the IC cards and improve the use efficiency of equipment in cardless withdrawal.
In one aspect, an embodiment of the present invention provides a cardless withdrawal method, including:
the information processing device installed on the user terminal sends card information and transaction information so that a self-service equipment terminal system can obtain the card information and the transaction information;
and the self-service equipment terminal system sends the password information input by the user, the card information and the transaction information to a server for transaction processing.
Optionally, the card information and the transaction information are prestored in the information processing device, or the information processing device reads the integrated circuit card through near field communication to obtain the card information and generates the transaction information according to user input.
Optionally, in an implementation manner of this embodiment, the sending, by the information processing apparatus, card information and transaction information so that a self-service device terminal system obtains the card information and the transaction information includes: the information processing device obtains the communication mode of the self-service equipment terminal system by scanning the two-dimensional code containing the communication mode of the self-service equipment terminal system; and directly sending the card information and the transaction information to the self-service equipment terminal system according to the communication mode.
Optionally, in another implementation manner of this embodiment, the sending, by the information processing apparatus, card information and transaction information so that a self-service device terminal system obtains the card information and the transaction information includes: the information processing device sends the card information, the transaction information and identification information for uniquely identifying the self-service equipment terminal system to an ATMP server; and the ATMP server sends the card information and the transaction information to the self-service equipment terminal system according to the identification information.
Preferably, the information processing apparatus sends the card information, the transaction information, and identification information for uniquely identifying the self-service device terminal system to an ATMP server, and includes: the information processing device packages the card information and the transaction information, adds IMEI information, encrypts and sends the card information and the transaction information to the ATMP server, scans the two-dimensional code containing the identification information to obtain the identification information, adds the IMEI information, encrypts and sends the identification information to the ATMP server. The ATMP server sends the card information and the transaction information to the self-service equipment terminal system according to the identification information, and the method comprises the following steps: and the ATMP server performs matching according to the IMEI information, determines the identification information corresponding to the same IMEI, the card information and the transaction information, and sends the corresponding card information and the transaction information to the self-service equipment terminal system according to the identification information.
In a second aspect, an embodiment of the present invention provides an information processing apparatus, including:
and the sending module is used for sending the card information and the transaction information so that the self-service equipment terminal system can obtain the card information and the transaction information.
Optionally, in an implementation manner of this embodiment, the information processing apparatus further includes a preprocessing module, configured to pre-store card information and transaction information, or, to read the integrated circuit card in a near field communication manner to obtain the card information and generate the transaction information according to a user input.
Optionally, in another implementation manner of this embodiment, the information processing apparatus further includes a first scanning module, configured to scan a two-dimensional code including a communication manner of the self-service device terminal system to obtain the communication manner of the self-service device terminal system; the sending module is specifically used for directly sending the card information and the transaction information to the self-service equipment terminal system according to the communication mode.
Optionally, in another implementation manner of this embodiment, the sending module is specifically configured to send the card information and the transaction information and identification information for uniquely identifying the self-service device terminal system to an ATMP server, and the ATMP server sends the card information and the transaction information to the self-service device terminal system according to the identification information.
The information processing device further comprises a second scanning module, which is used for scanning the two-dimensional code containing the identification information to obtain the identification information; the sending module is specifically configured to perform the following processing: packaging the card information and the transaction information, adding IMEI information, encrypting and sending to the ATMP server; and adding the IMEI information into the identification information, encrypting and sending the IMEI information to the ATMP server.
In a third aspect, an embodiment of the present invention provides a user terminal, where the information processing apparatus according to the third aspect of the present invention or various implementations thereof is installed.
In a fourth aspect, an embodiment of the present invention provides a self-service device terminal system, including:
a first acquisition module for acquiring card information and transaction information transmitted by an information processing apparatus installed in a user terminal;
the second acquisition module is used for acquiring password information input by a user;
and the sending module is used for sending the password information, the card information and the transaction information to a server for transaction processing.
Optionally, in an implementation manner of this embodiment, the first obtaining module is specifically configured to receive the card information and the transaction information directly sent by the information processing apparatus.
Optionally, in another implementation manner of this embodiment, the first obtaining module is specifically configured to receive the card information and the transaction information sent by the ATMP server; wherein,
and the ATMP server receives the card information and the transaction information sent by the information processing device and identification information for uniquely identifying the self-service equipment terminal system, and sends the card information and the transaction information to the self-service equipment terminal system according to the identification information.
In a fifth aspect, an embodiment of the present invention provides a cardless withdrawal system, where the system includes: an information processing apparatus according to the second aspect of an embodiment of the present invention or various implementations thereof, a self-service device terminal system according to the fourth aspect of an embodiment of the present invention or various implementations thereof, and a server for performing transaction processing; or, the system comprises: a user terminal according to the third aspect of embodiments of the invention, a self-service device terminal system according to the fourth aspect of embodiments of the invention or various implementations thereof, and a server for conducting transaction processing.
Optionally, in an implementation manner of this embodiment, the system further includes an ATMP server, configured to perform the following processing: receiving the card information and the transaction information sent by the information processing device and identification information for uniquely identifying the self-service equipment terminal system; and sending the card information and the transaction information to the self-service equipment terminal system according to the identification information.
Preferably, the information processing apparatus transmits information to the ATMP server by: and packaging the card information and the transaction information, adding IMEI information, encrypting and sending to the ATMP server, scanning a two-dimensional code containing the identification information to obtain the identification information, adding the IMEI information, encrypting and sending to the ATMP server. The ATMP server sends information to the self-service equipment terminal system in the following mode: and matching according to the IMEI information, determining the identification information corresponding to the same IMEI, the card information and the transaction information, and sending the corresponding card information and the transaction information to the self-service equipment terminal system according to the identification information.
The various embodiments or implementations of the invention have the following advantages:
1: the safety certification based on the IC card entity can be realized, and the safety characteristic of the IC card is fully utilized;
2: card information is acquired through a pre-storage or Near Field Communication (NFC) mode, and the method is suitable for various bank IC cards (for example, a traditional bank IC card, an existing deformed bank IC card, a CPU card, an IC card supporting mobile phone client reading, and the like), so that a client does not need to insert a card and the card swallowing phenomenon is avoided;
3: the user can input the transaction information at the user terminal without inputting the information at the self-service equipment terminal, so that the time for queuing and operating at the self-service equipment is saved, the use efficiency of the equipment is improved, and the safety of withdrawing money is indirectly improved.
Drawings
Fig. 1 is a schematic flow chart of a cardless withdrawal method according to an embodiment of the present invention;
FIG. 2 is a flow diagram illustrating a method of implementing process 10 of FIG. 1, in accordance with an embodiment of the present invention;
FIG. 3 is a flow diagram illustrating a method of implementing process 10 of FIG. 1, in accordance with an embodiment of the present invention;
FIG. 4A is a block diagram of an information processing apparatus according to an embodiment of the present invention;
FIG. 4B is a block diagram of an information processing apparatus according to an embodiment of the present invention;
FIG. 4C is a block diagram of an information processing apparatus according to an embodiment of the present invention;
FIG. 5 is a block diagram of a self-service device terminal system according to an embodiment of the invention;
FIG. 6 is a block diagram of a cardless withdrawal system according to an embodiment of the invention;
FIG. 7 is a block diagram of a cardless withdrawal system according to an embodiment of the invention;
FIG. 8A is a block diagram of a cardless withdrawal system according to an embodiment of the invention;
fig. 8B is a schematic diagram illustrating an operation and communication flow of the cardless withdrawal system shown in fig. 8A.
Detailed Description
To facilitate an understanding of the various aspects, features and advantages of the present inventive subject matter, reference is made to the following detailed description taken in conjunction with the accompanying drawings. It should be understood that the various embodiments described below are illustrative only and are not intended to limit the scope of the invention.
First, the invention will be explained in relation to or in relation to a part of the vocabulary:
ATM: the automatic teller machine provides financial service equipment for inquiring, changing cipher, withdrawing money and the like.
CRS: an automatic teller machine provides self-service equipment for financial services such as inquiry, password change, money withdrawal, deposit and the like.
ATMC: and the self-service equipment terminal system is used for driving software of the self-service equipment to realize information exchange with the background server.
ATMP: the self-service equipment front-end system is used for message forwarding and preprocessing between the ATMC and the background server and providing transaction data required by statistics and monitoring of the ATM monitoring system.
Nfc (near Field communication): near field communication is a short-range high-frequency radio communication technology.
Integrated circuit card (IC card): cards that house one or more integrated circuits for performing processing and memory functions.
Imei (international Mobile Equipment identity): abbreviation of mobile equipment international identity. Is an electronic string composed of 15 digits, which corresponds to each mobile phone one by one, and the code is unique globally.
Se (secure element): and the safety unit is a component responsible for the stifling storage and the calculation removing function of the key data of the transaction in the mobile payment process.
A CPU card: also called intelligent IC card, the integrated circuit in the card has microprocessor CPU, memory unit (including RAM, ROM (FLASH), EEPROM (user data memory) and COS. The CPU card equipped with COS is equivalent to a microcomputer, and has not only a data storage function but also functions of command processing, data security protection, and the like.
Fig. 1 is a schematic flow chart of a cardless withdrawal method according to an embodiment of the present invention, and referring to fig. 1, the method includes:
10: and the information processing device installed on the user terminal sends the card information and the transaction information so that the self-service equipment terminal system can acquire the card information and the transaction information.
Optionally, in an implementation manner of this embodiment, the information processing apparatus may directly communicate with the self-service device terminal system (as shown in fig. 2), or may indirectly communicate with the self-service device terminal system (as shown in fig. 3), for example, indirectly communicate through the ATMP server.
Optionally, in an implementation manner of this embodiment, the information processing apparatus stores the card information and the transaction information in advance. Or the information processing device reads the IC card in a near field communication mode to obtain the card information and generates the transaction information according to user input. The IC card may be a card supporting NFC reading such as a CPU card.
Optionally, in an implementation manner of this embodiment, the card information includes card number information of a bank card and card security information, and the transaction information includes a withdrawal amount.
12: and the self-service equipment terminal system sends the card information, the transaction information and the password information input by the user to a server for transaction processing. For example, the self-service device terminal system sends a withdrawal transaction message containing the information to the server. The server is a server of a bank background system and is used for storing various client information and transaction information, receiving and processing transaction requests, returning transaction results and the like.
Optionally, in an implementation manner of this embodiment, the user inputs password information to the self-service device terminal system through a keyboard at the self-service device terminal.
By adopting the cardless withdrawal method provided by the embodiment, on one hand, withdrawal processing can be realized without inserting a card; on the other hand, the withdrawal based on the card information transmitted from the information processing apparatus can realize the security authentication based on the IC card real object, and the security characteristics of the IC card are fully utilized. Overall, the method provided by the embodiment is not only suitable for various bank IC cards (e.g., traditional bank IC cards, existing deformed bank IC cards, CPU cards, IC cards supporting mobile phone client reading, etc.), and has a wide application range and a wide prospect, but also simplifies the operation of a user at a self-service device, improves the use efficiency of the device, and indirectly improves the security.
FIG. 2 is a flow diagram illustrating a method of implementing process 10 of FIG. 1, in accordance with an embodiment of the present invention. Referring to fig. 2, the method includes:
100: the information processing device obtains the communication mode of the self-service equipment terminal system by scanning the two-dimensional code, wherein the two-dimensional code comprises the communication mode of the self-service equipment terminal system.
Optionally, in an implementation manner of this embodiment, the self-service device terminal system generates and displays the two-dimensional code on a screen of the self-service device under the trigger of a user.
102: and the information processing device directly sends the card information and the transaction information to the self-service equipment terminal system according to the acquired communication mode.
By adopting the method provided by the embodiment, the information processing device can directly send the card information and the transaction information to the self-service equipment terminal system.
FIG. 3 is a flow diagram illustrating a method of implementing process 10 of FIG. 1, in accordance with an embodiment of the present invention. Referring to fig. 3, the method includes:
100': the information processing device sends the card information, the transaction information and the identification information to the ATMP server. And the identification information is used for uniquely identifying the self-service equipment terminal system.
102': and the ATMP server sends the card information and the transaction information to a self-service equipment terminal system according to the identification information.
Optionally, in an implementation manner of this embodiment, 100' is implemented by: the information processing device packages the card information and the transaction information, adds the IMEI information, encrypts and sends the card information and the transaction information to the ATMP server; and the information processing device scans the two-dimensional code containing the identification information to acquire the identification information, adds the IMEI information, encrypts and sends the IMEI information to the ATMP server. The two-dimensional code can be generated by a self-service equipment terminal system under the trigger of a user and displayed on a screen.
Furthermore, in one implementation of this embodiment, 102' is implemented by: the ATMP server matches according to the IMEI information, and determines identification information corresponding to the same IMEI, card information and transaction information, in other words, determines the corresponding relation between the identification information and the card information and the transaction information; and the ATMP server sends the corresponding card information and the transaction information to the self-service equipment terminal system according to the identification information.
Of course, in this implementation, the ATMP server may also perform a check according to the IMEI information to determine the validity of the IMEI. Besides, the corresponding relation between the identification information and the card information and the transaction information is determined according to the IMEI information, and other characters or serial numbers which are set manually can be adopted to replace the IMEI to determine the corresponding relation.
By adopting the method provided by the embodiment, the information processing device can indirectly send the card information and the transaction information to the self-service equipment terminal system through the ATMP server.
The above description refers to the accompanying drawings for describing a cardless withdrawal method according to an embodiment of the present invention, and the following description refers to the accompanying drawings for describing related devices and systems according to an embodiment of the present invention.
Fig. 4A is a block diagram of an information processing apparatus according to an embodiment of the present invention, which is applied to the cardless withdrawal method according to an embodiment of the present invention. Referring to fig. 4A, the information processing apparatus 40 includes a preprocessing module 41 and a transmission module 42, which are described below.
The preprocessing module 41 is configured to pre-store the card information and the transaction information, or read the ic card to obtain the card information through near field communication and generate the transaction information according to user input.
And the sending module 42 is used for sending the card information and the transaction information so that the self-service equipment terminal system can obtain the card information and the transaction information.
Optionally, in an implementation manner of this embodiment, as shown in fig. 4B, the information processing apparatus 40 further includes a first scanning module 43, configured to scan a two-dimensional code including a communication method of the self-service device terminal system to obtain the communication method of the self-service device terminal system. At this time, the sending module 42 is specifically configured to directly send the card information and the transaction information to the self-service device terminal system according to the communication mode acquired by the first scanning module 43.
Optionally, in one implementation of the present embodiment, the sending module 42 communicates indirectly with the self-service device terminal system. For example, the sending module 42 may send the card information and the transaction information and identification information for uniquely identifying the self-service device terminal system to the ATMP server, and the ATMP server sends the corresponding card information and the transaction information to the self-service device terminal system according to the identification information.
More specifically, as shown in fig. 4C, the information processing apparatus 40 further includes a second scanning module 44 for scanning a two-dimensional code to obtain identification information, where the two-dimensional code contains the identification information for uniquely identifying the self-service device terminal system. The sending module 42 is configured to perform the following processes: packaging the card information and the transaction information, adding IMEI information, encrypting and sending to an ATMP server; and adding IMEI information into the identification information, encrypting and sending to the ATMP server.
The information acquisition device 4 provided by the embodiment is suitable for various bank IC cards, can realize withdrawal processing without inserting cards, can realize safety certification based on IC card objects, and can indirectly improve safety while improving the use efficiency of equipment.
It should be understood by those skilled in the art that the information acquisition device provided by the embodiment of the present invention may be installed in a user terminal such as a mobile phone or a tablet, and therefore, the present invention also protects the user terminal on which the information acquisition device provided by the embodiment of the present invention or its implementation is installed.
Fig. 5 is a block schematic diagram of a self-service device terminal system according to an embodiment of the present invention, and referring to fig. 5, the self-service device terminal system 50 includes a first obtaining module 51, a second obtaining module 52 and a sending module 53, which are respectively described below.
A first acquisition module 51 for acquiring card information and transaction information transmitted by an information processing apparatus installed in a user terminal.
And a second obtaining module 52, configured to obtain password information input by the user. For example, the user enters password information via a keypad of the self-service device terminal.
And a sending module 53, configured to send the card information and the transaction information to a server for performing transaction processing. The server refers to a server of a bank background system.
Optionally, in an implementation manner of this embodiment, the first obtaining module 51 is specifically configured to receive card information and transaction information directly sent by the information processing apparatus.
Optionally, in an implementation manner of this embodiment, the first obtaining module 51 is specifically configured to receive card information and transaction information sent by the information processing apparatus through the ATMP server. Specifically, the first obtaining module 51 receives the card information and the transaction information sent by the ATMP server. The ATMP server receives the card information and the transaction information sent by the information processing device and identification information used for uniquely identifying the self-service equipment terminal system, and sends the corresponding card information and the corresponding transaction information to the self-service equipment terminal system according to the identification information.
Further, please refer to the description in the method embodiments for the description of the processing performed by the ATMP server, which is not described herein again.
The self-service equipment terminal system provided by the embodiment can draw money without inserting a card, can avoid the phenomenon of card swallowing, simplifies manual operation on self-service equipment, and improves the utilization efficiency of the equipment.
The information acquisition device, the self-service device terminal system, and the ATMP server according to the embodiments of the present invention are described above, and for the explanation of the related terms or terms, the detailed description of the processing executed by each module, and the detailed description of the optional processing of each module or each module, please refer to the corresponding description in the method embodiments, and are not repeated herein.
Fig. 6 is a block diagram illustrating a cardless withdrawal system according to an embodiment of the present invention, and referring to fig. 6, the cardless withdrawal system includes an information processing apparatus 40, a self-service terminal system 50, and a server 60. The server 60 is configured to receive card information and transaction information sent by the self-service device terminal system and perform transaction processing. The information processing apparatus 40 and the self-service device terminal system 50 may communicate directly or indirectly through the ATMP server, and for detailed description, reference is made to the foregoing, which is not described herein again.
Of course, the information processing apparatus 40 in the present embodiment may be installed in a user terminal such as a mobile phone, a tablet, or the like, and therefore, the present invention also protects a cardless withdrawal system including such a user terminal, the self-service device terminal system 50, and the server 60.
Fig. 7 is a block diagram illustrating a cardless withdrawal system according to an embodiment of the present invention, and referring to fig. 7, the cardless withdrawal system includes an information processing apparatus 40', a self-service terminal system 50', and a server 60 '. In the present embodiment, the information processing apparatus 40 'directly transmits the card information and the transaction information to the self-service device terminal system 50', and the self-service device terminal system 50 'transmits the card information and the transaction information and password information input by the user to the server 60' for performing transaction processing. For a detailed description of the processing performed by each part, reference is made to the description in the method embodiment, which is not repeated herein.
Fig. 8A is a block diagram illustrating a cardless withdrawal system according to an embodiment of the present invention, and referring to fig. 8A, the cardless withdrawal system includes an information processing apparatus 40 ", a self-service terminal system 50", a server 60 ", and an ATMP server 70. In the present embodiment, the information processing apparatus 40 "transmits the card information and the transaction information and the identification information for uniquely identifying the self-service device terminal system 50" to the ATMP server 70; the ATMP server 70 sends the corresponding card information and transaction information to the self-service device terminal system 50 "according to the identification information; the self-service device terminal system 50 "sends the card information and transaction information and the password information entered by the user to the server 60 for transaction processing. For a description of the executable processes of the respective sections, reference is made to the description in the method embodiment.
Optionally, in a preferred implementation manner of this embodiment, the information processing apparatus 40 ″ packages the card information and the transaction information, adds the card information and the transaction information to the IMEI information, encrypts and transmits the information to the ATMP server 70; and scanning the two-dimensional code containing the identification information to acquire the identification information, adding IMEI information, encrypting and sending to the ATMP server 70. The ATMP server 70 performs matching according to the IMEI information, determines identification information corresponding to the same IMEI, card information, and transaction information, and then sends the corresponding card information and transaction information to the self-service device terminal system 50 ″ according to the identification information.
More specifically, please refer to a flowchart illustrated in fig. 8B for an operation and communication flow of the cardless cash withdrawal system illustrated in fig. 8A. In fig. 8B, the information acquisition apparatus is illustrated as a mobile phone application.
Referring to fig. 8B, the operation and communication flow includes: 1. a user initiates a withdrawal transaction at an NFC (near field communication) mobile phone client, the mobile phone client reads IC (integrated circuit) card information and collects transaction information input by the user, such as the withdrawal amount; packaging the card information and the transaction information by the NFC mobile phone client, adding IMEI (international mobile equipment identity) verification information, encrypting in 55 fields, and sending the encrypted information to the ATMP (automatic transfer protocol) server; 3, ATMP receives and temporarily stores the card information and the transaction information, and returns a unique transaction certificate; 4. a user selects a 'scanning withdrawal' service on a self-service equipment terminal system, and the self-service equipment terminal system compiles identification information (or called self-service equipment terminal information) uniquely corresponding to the self-service equipment terminal system into a two-dimensional code picture which is displayed on a screen of self-service equipment; 5, scanning the two-dimensional code by the NFC mobile phone client, decoding to obtain identification information, adding IMEI (International Mobile Equipment identity) verification information, encrypting and transmitting to the ATMP server; the ATMP server receives and temporarily stores the identification information, performs information checking (for example, checking transaction information, card number, 55 field, IMEI and transaction certificate) and checks and determines the validity of the IMEI according to IMEI checking information contained in all temporarily stored information and performs matching processing, wherein the identification information and the card information and the transaction information which are the same in the IMEI information are successfully matched; and 7, the ATMP server sends the successfully matched card information and transaction information to a corresponding self-service equipment terminal system, and prompts the customer to continue transaction at the ATM at the mobile phone terminal. 8. And the self-service equipment terminal system receives the card information and the transaction information and prompts the customer to input a transaction password. Then, the self-service equipment terminal system sends the complete transaction information to the background server, the background server receives the transaction information, the password verification and the deduction accounting processing are carried out, and the transaction result is returned to the self-service equipment terminal system; and the self-service equipment terminal system receives the transaction result, finishes the money outlet action and finishes the money withdrawal transaction.
Through the above description of the embodiments, those skilled in the art will clearly understand that the present invention can be implemented by combining software and a hardware platform. With this understanding in mind, all or part of the technical solutions of the present invention that contribute to the background can be embodied in the form of a software product, which can be stored in a storage medium, such as a ROM/RAM, a magnetic disk, an optical disk, etc., and includes instructions for causing a computer device (which can be a personal computer, a server, or a network device, etc.) to execute the methods according to the embodiments or some parts of the embodiments of the present invention.
The above disclosure is only for the purpose of illustrating the preferred embodiments of the present invention and is not to be construed as limiting the scope of the present invention, therefore, the present invention is not limited to the above embodiments, and the modifications and variations of the present invention are equivalent to the modifications and variations of the present invention as disclosed in the following claims.
Claims (11)
1. A cardless withdrawal method, the method comprising:
the information processing device installed on the user terminal sends card information and transaction information so that a self-service equipment terminal system can obtain the card information and the transaction information;
the self-service equipment terminal system sends password information input by a user, the card information and the transaction information to a server for transaction processing;
the information processing device sends card information and transaction information so that a self-service equipment terminal system can acquire the card information and the transaction information, and the method comprises the following steps:
the information processing device sends the card information, the transaction information and identification information for uniquely identifying the self-service equipment terminal system to an ATMP server;
the ATMP server sends the card information and the transaction information to the self-service equipment terminal system according to the identification information, wherein:
the information processing device sends the card information, the transaction information and identification information for uniquely identifying the self-service equipment terminal system to an ATMP server, and the method comprises the following steps:
the information processing device packages the card information and the transaction information, adds IMEI information, encrypts and sends the card information and the transaction information to the ATMP server,
the information processing device scans a two-dimensional code containing the identification information to acquire the identification information, adds the IMEI information, encrypts and sends the IMEI information to the ATMP server;
the ATMP server sends the card information and the transaction information to the self-service equipment terminal system according to the identification information, and the method comprises the following steps:
the ATMP server matches according to the IMEI information, determines the identification information corresponding to the same IMEI and the card information and transaction information,
the ATMP server sends the corresponding card information and transaction information to the self-service equipment terminal system according to the identification information;
the ATMP server is also used for message forwarding and preprocessing between the ATMC and the background server, and transaction data needed by the statistics and monitoring of the ATM monitoring system are provided;
the card information comprises card number information of a bank card and card safety information.
2. The method of claim 1,
the information processing device is pre-stored with the card information and the transaction information, or,
the information processing device reads the integrated circuit card to obtain the card information in a near field communication mode, and generates the transaction information according to user input.
3. The method of claim 1 or 2, wherein the information processing device sending card information and transaction information for a self-service device terminal system to obtain the card information and transaction information comprises:
the information processing device obtains the communication mode of the self-service equipment terminal system by scanning the two-dimensional code containing the communication mode of the self-service equipment terminal system;
and directly sending the card information and the transaction information to the self-service equipment terminal system according to the communication mode.
4. An information processing apparatus characterized by comprising:
the system comprises a preprocessing module, a card information acquisition module and a transaction information processing module, wherein the preprocessing module is used for pre-storing card information and transaction information, or reading an integrated circuit card in a near field communication mode to acquire the card information and generating the transaction information according to user input;
the sending module is used for sending the card information and the transaction information so that a self-service equipment terminal system can obtain the card information and the transaction information;
the sending module is specifically used for sending the card information and the transaction information and identification information for uniquely identifying the self-service equipment terminal system to an ATMP server, and the ATMP server sends the card information and the transaction information to the self-service equipment terminal system according to the identification information;
the information processing device also comprises a second scanning module which is used for scanning the two-dimensional code containing the identification information to obtain the identification information;
the sending module is specifically configured to perform the following processing:
packaging the card information and the transaction information, adding IMEI information, encrypting and sending to the ATMP server,
adding the IMEI information into the identification information, encrypting and sending the IMEI information to the ATMP server;
the ATMP server is also used for message forwarding and preprocessing between the ATMC and the background server, and transaction data needed by the statistics and monitoring of the ATM monitoring system are provided;
the card information comprises card number information of a bank card and card safety information.
5. The information processing apparatus according to claim 4,
the information processing device also comprises a first scanning module for scanning the two-dimensional code containing the communication mode of the self-service equipment terminal system to obtain the communication mode of the self-service equipment terminal system;
the sending module is specifically used for directly sending the card information and the transaction information to the self-service equipment terminal system according to the communication mode.
6.A user terminal mounted with the information processing apparatus according to claim 4 or 5.
7.A self-service device terminal system, comprising:
a first acquisition module for acquiring card information and transaction information transmitted by an information processing apparatus installed in a user terminal;
the second acquisition module is used for acquiring password information input by a user;
the sending module is used for sending the password information, the card information and the transaction information to a server for transaction processing;
the first acquisition module is specifically used for receiving the card information and the transaction information sent by the ATMP server; wherein,
the ATMP server receives the card information and the transaction information which are sent by the information processing device and encrypted after IMEI information is added, and identification information which is encrypted after the IMEI information is added and is used for uniquely identifying the self-service equipment terminal system, and sends the card information and the transaction information to the self-service equipment terminal system according to the identification information;
the ATMP server is also used for message forwarding and preprocessing between the ATMC and the background server, and transaction data needed by the statistics and monitoring of the ATM monitoring system are provided;
the card information comprises card number information of a bank card and card safety information.
8. The self-service device terminal system of claim 7,
the first obtaining module is specifically configured to receive the card information and the transaction information directly sent by the information processing device.
9. A cardless withdrawal system is characterized in that,
the system comprises:
an information processing apparatus according to claim 4 or 5, a self-service device terminal system according to claim 7 or 8 and a server for conducting transaction processing; or,
the system comprises:
a user terminal according to claim 6, a self-service device terminal system according to claim 7 or 8 and a server for conducting transaction processing.
10. The system of claim 9, wherein the system further comprises an ATMP server for:
receiving the card information and the transaction information sent by the information processing device and identification information for uniquely identifying the self-service equipment terminal system;
and sending the card information and the transaction information to the self-service equipment terminal system according to the identification information.
11. The system of claim 10,
the information processing apparatus transmits information to the ATMP server by:
packaging the card information and the transaction information, adding IMEI information, encrypting and sending to the ATMP server,
scanning a two-dimensional code containing the identification information to acquire the identification information, adding the IMEI information, encrypting and sending the IMEI information to the ATMP server;
the ATMP server sends information to the self-service equipment terminal system in the following mode:
performing matching based on the IMEI information, determining the identification information and the card information and transaction information corresponding to the same IMEI,
and sending the corresponding card information and transaction information to the self-service equipment terminal system according to the identification information.
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| CN106485851B (en) * | 2016-09-26 | 2019-05-10 | 深圳大学 | A kind of no card automatic teller machine and without card withdrawal system |
| CN107481445A (en) * | 2017-06-29 | 2017-12-15 | 台山市金讯互联网络科技有限公司 | A kind of method withdrawn the money without card |
| TWI689883B (en) * | 2019-05-10 | 2020-04-01 | 第一商業銀行股份有限公司 | Automatic push broadcast cardless withdrawal system and its control method |
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| US8763896B2 (en) * | 2012-02-23 | 2014-07-01 | XRomb Inc. | System and method of loading a transaction card and processing repayment on a mobile device |
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