CN101945118A - Method, device and system for realizing reserved withdrawal service - Google Patents
Method, device and system for realizing reserved withdrawal service Download PDFInfo
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- CN101945118A CN101945118A CN201010298885XA CN201010298885A CN101945118A CN 101945118 A CN101945118 A CN 101945118A CN 201010298885X A CN201010298885X A CN 201010298885XA CN 201010298885 A CN201010298885 A CN 201010298885A CN 101945118 A CN101945118 A CN 101945118A
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Abstract
The invention provides a method, a device and a system for realizing a reserved withdrawal service. The method comprises the steps that: an electronic signature device generates a withdrawal authorization code in a character string form according to withdrawal authorization code algorithm and converts the withdrawal authorization code in the character string form into a withdrawal authorization code image; the electronic signature device displays the withdrawal authorization code image or sends the withdrawal authorization code image to a mobile phone for display, or the mobile phone photographs and displays the withdrawal authorization code image; a camera at a bank terminal photographs the withdrawal authorization code image displayed by the electronic signature device or the mobile phone and sends the withdrawal authorization code image to a bank server; and the bank server extracts a withdrawal authorization code to be verified from the withdrawal authorization code image sent by the bank server and verifies the withdrawal authorization code to be verified. The method, the device and the system can effective prevent reveal of the withdrawal authorization code and guarantee traction security.
Description
Technical field
The present invention relates to the application of electronic technology field, relate in particular to a kind of implementation method, device and system of preengaging encashment service.
Background technology
Want to do shopping, short of money in the wallet, bank card does not have band again; Father and mother far away from the native place do not have bank card to be badly in need of again spending money; Wallet is not very lost during out on tours, and is unfamiliar with the place and the people, do not know whom this cry for help to ... many people may run into such trouble in life.
At above-mentioned actual demand, some business bank has released the reservation encashment service, and can realize need not bank card also can enchashment on ATM.
The basic procedure of reservation encashment service of the prior art comprises the steps: as shown in Figure 1
Step 101: user's registration becomes the client of Mobile banking, and oneself cell-phone number and bank card are bound, and opens the function of Mobile banking;
Step 102: the user enters the respective interface of reservation enchashment, the amount of money of input bank card number, the reservation code of oneself setting and reservation enchashment after the login interface input handset number login of Mobile banking;
Step 103: after the reservation enchashment was set successfully, Mobile banking's server sent the note that comprises the enchashment authorization code to user mobile phone;
Step 104: the user selects the reservation encashment service opening on the reservation enchashment function ATM, and according to the information at ATM interface, input handset number, the own reservation code of setting and the enchashment authorization code in the note can be realized not having blocking and withdraw the money.
On the one hand,,, then be easy to make a mistake in user's input process, cause service fail if the enchashment authorization code is long because the enchashment authorization code generates at random; On the other hand, the input keyboard of ATM is fairly simple, generally can only input digit 0-9 and symbol " * " and " # ", and this two aspects factor has determined that the form of enchashment authorization code is comparatively simple.If in use seen by the malice third party, the enchashment authorization code then might take place reveal the possibility that causes cash to be stolen.
Summary of the invention
The invention provides a kind of implementation method, device and system of preengaging encashment service, can effectively prevent the leakage of enchashment authorization code.
The embodiment of the invention proposes is used to realize that the device of preengaging encashment service comprises a kind of bank server, and this bank server comprises:
Database is used to store user's bank account information and user's registration information, comprising cell-phone number, bank's card number and the digital certificate of binding mutually;
The terminal interaction module is used to receive the reservation encashment service information from banking terminal; Judge by retrieving described database whether reservation encashment service information is effective, if then send the Indication message that obtains the enchashment identifying code to banking terminal; Also be used to receive view data from the camera of banking terminal;
Bank's reservation transaction modules, the reservation enchashment that is used for carrying out on the network terminal according to the user is operated, retrieve described database and judge whether to support this encashment service,, and make the network terminal send the indication that generates the enchashment authorization code to electronic signature device if then enable authentication module;
Authentication module, be used to utilize image recognition technology, from the view data that the terminal interaction module receives, extract enchashment authorization code to be verified, and described enchashment authorization code to be verified is carried out verification, if verification is passed through, then send the indication that allows this enchashment transaction to banking terminal; If verification is not passed through, then send the indication of this enchashment transaction of refusal to banking terminal.
The embodiment of the invention proposes is used to realize that the device of preengaging encashment service also comprises a kind of electronic signature device, and this electronic signature device comprises:
Communication module is used for being undertaken alternately by the network terminal and bank server, after the indication of receiving by the network terminal from the generation enchashment authorization code of bank server, sends to algoritic module and to enable indication;
Algoritic module, be used for receive described enable indication after, generate the enchashment authorization code of character string form according to enchashment authorization code algorithm;
Modular converter, the enchashment authorization code that is used for character string form that described algoritic module is generated is converted to enchashment authorization code image;
Display module is used to the enchashment authorization code image that shows that described modular converter generates.
Preferably, only comprise numeral in the enchashment authorization code of described character string form; Described modular converter further comprises:
The laser bar code converting unit is used for dynamic password with described character string form and is converted to laser bar code as the authorization code image.
Preferably, described modular converter is used for the dynamic password of described character string form is converted to string of binary characters, and this string of binary characters is converted to the black and white lattice image; Be divided into the plurality of pixels piece according to predefined procedure in the described black and white lattice image, the sum of block of pixels is more than or equal to the number of characters of described string of binary characters; Each block of pixels is according to a bit in the corresponding described string of binary characters of described predefined procedure, and represents binary zero and 1 respectively with B﹠W.
A kind of reservation enchashment system that the embodiment of the invention proposes comprises electronic signature device, the network terminal, banking terminal and bank server,
Described bank server comprises:
Database is used to store user's bank account information and user's registration information, comprising cell-phone number, bank's card number and the digital certificate of binding mutually;
The terminal interaction module is used to receive the reservation encashment service information from banking terminal; Judge by retrieving described database whether reservation encashment service information is effective, if then send the Indication message that obtains the enchashment identifying code to banking terminal; Also be used to receive view data from the camera of banking terminal;
Bank's reservation transaction modules, the reservation enchashment that is used for carrying out on the network terminal according to the user is operated, retrieve described database and judge whether to support this encashment service,, and make the network terminal send the indication that generates the enchashment authorization code to electronic signature device if then enable authentication module;
Authentication module, be used to utilize image recognition technology, from the view data that the terminal interaction module receives, extract enchashment authorization code to be verified, and described enchashment authorization code to be verified is carried out verification, if verification is passed through, then send the indication that allows this enchashment transaction to banking terminal; If verification is not passed through, then send the indication of this enchashment transaction of refusal to banking terminal;
Described banking terminal comprises the communication interface between main control module, camera and main control module and the camera; Main control module sends to camera by this communication interface and takes instruction, after camera is received this shooting instruction, from the mode switch of monitoring of a recorded programme video recording is screening-mode, and take an image, the image of taking is sent to main control module by described communication interface, and main control module is sent to bank server with this image; Main control module is carried out the relevant treatment of enchashment transaction after receiving the indication that allows the enchashment transaction, after the indication of receiving refusal enchashment transaction, show the information of authentication failed;
The described network terminal is to be used for the equipment that establishes a communications link between electric signing tools and bank server;
Described electronic signature device comprises:
Communication module is used for being undertaken alternately by the network terminal and bank server, after the indication of receiving by the network terminal from the generation enchashment authorization code of bank server, sends to algoritic module and to enable indication;
Algoritic module, be used for receive described enable indication after, generate the enchashment authorization code of character string form according to enchashment authorization code algorithm;
Modular converter, the enchashment authorization code that is used for character string form that described algoritic module is generated is converted to enchashment authorization code image;
Display module is used to the enchashment authorization code image that shows that described modular converter generates.
Preferably, the described network terminal is the PC of opening the mobile phone of Mobile banking or connecting Web bank.
A kind of implementation method of preengaging encashment service that the embodiment of the invention proposes, user's registered in advance becomes the client of Internet bank's business, and oneself cell-phone number or digital certificate and bank card are bound, and opens the function of the Internet bank; Described cell-phone number, digital certificate and bank's card number are stored in the database of bank server of network side;
This method comprises the steps:
Bank server receives the user behind the amount of money of user profile of importing on the interface of banking terminal and reservation enchashment, retrieve described database and judge whether to support this encashment service, if send the indication that generates the enchashment authorization code to electronic signature device by the network terminal;
Electronic signature device generates the enchashment authorization code of character string form according to enchashment authorization code algorithm; And the enchashment authorization code of described character string form is converted to enchashment authorization code image; Show or send to mobile phone by electronic signature device to show, perhaps enchashment authorization code image is taken pictures and show by mobile phone;
The camera of banking terminal is taken the enchashment authorization code image of electronic signature device or handset displays, and this enchashment authorization code view data is sent to bank server;
Bank server utilizes image recognition technology, from enchashment authorization code image, extract enchashment authorization code to be verified from banking terminal, and described enchashment authorization code to be verified carried out verification, if verification is passed through, then send the indication that allows this enchashment transaction to banking terminal; If verification is not passed through, then send the indication of this enchashment transaction of refusal to banking terminal.
Preferably, the described Internet bank is professional is mobile banking service or Internet-based banking services.
Preferably, the described network terminal is the PC of opening the mobile phone of Mobile banking or connecting Web bank.
As can be seen from the above technical solutions, electronic signature device generates the image that comprises enchashment authorization code information, the camera of banking terminal is taken this image, and sending it to the bank server on backstage, bank server utilizes image recognition technology to identify the enchashment authorization code from image and the enchashment authorization code is verified.This method can prevent effectively that the enchashment authorization code from use revealing.
Description of drawings
Fig. 1 is the realization flow figure of reservation encashment service of the prior art;
Fig. 2 is the system block diagram of the reservation encashment service of embodiment of the invention proposition;
Fig. 3 is the block diagram of the bank server of embodiment of the invention proposition;
Fig. 4 is the block diagram of the electronic signature device of embodiment of the invention proposition.
Embodiment
At enchashment authorization code form in the prior art simply, the shortcoming being seen and falsely use by other people easily, the invention provides a kind of implementation of improved reservation encashment service, adopt the subscription authorization sign indicating number of image format, the camera shoot function that utilizes banking terminal to carry is realized the subscription authorization sign indicating number input banking terminal with image format.Described banking terminal can be ATM (ATM) or consumption terminal (POS).
For making the present invention program and technical characterstic clearer, the present invention program is described in detail below in conjunction with specific embodiment.
Fig. 2 shows the schematic diagram of the reservation encashment service system of embodiment of the invention proposition.Described reservation encashment service system comprises electronic signature device 201, banking terminal 202 and bank server 203.
The user becomes the client of Mobile banking in registration, and oneself cell-phone number and bank card are bound, open the function of Mobile banking after, cell-phone number and bank's card number be bound to be stored in the database of bank server 203.
The user is connected to the network terminal with electronic signature device 201, and the described network terminal can be mobile phone, PC etc.Behind the login interface input handset number login bank server 203 of user by the Mobile banking of network terminal demonstration, enter the respective interface of reservation enchashment, import the amount of money of bank's card number and reservation enchashment again; Electronic signature device 201 communicates with bank server 203, generate the picture file that comprises enchashment authorization code information in electronic signature device 201, and bank server 203 generates the enchashment authorization code.
The user selects the reservation encashment service on banking terminal 202, and according to the information at banking terminal interface, the input handset number is also operated the described picture file of electronic signature device 201 demonstrations, the camera of banking terminal 202 is taken described picture file, and the picture file that photographs is sent to bank server 203;
The internal structure of bank server 203 comprises as shown in Figure 3:
Bank's reservation transaction modules 303, be used to realize support to Internet bank's business, operate according to the reservation enchashment that the user carries out on the network terminal, relevant information (for example cell-phone number, bank's card number or other effective user's registration information or bank account information) according to input in the reservation enchashment operation, retrieve described database 301 and judge whether to support this encashment service, if then enable authentication module 304, and make the network terminal send the indication that generates the enchashment authorization code to electronic signature device 201.
Described banking terminal 201 is with respect to the banking terminal of prior art, and main the improvement is:
The camera of banking terminal not only is used to record surveillance video, also as the transmission medium of enchashment identifying code.The main control module of banking terminal 201 has the communication interface with camera.Main control module is behind the Indication message of receiving from bank server 203 that obtains the enchashment identifying code, send the shooting instruction by this communication interface to camera, after camera is received this shooting instruction, from the mode switch of monitoring of a recorded programme video recording is screening-mode, and take an image, this image should be the enchashment identifying code image that electronic signature device 201 shows.Certainly, the user also can take the enchashment identifying code image that electronic signature device 201 shows earlier with mobile phone or digital camera, display screen at mobile phone or digital camera shows this enchashment identifying code image then, and the camera of banking terminal 201 is taken the enchashment identifying code image of the display screen demonstration of mobile phone or digital camera again.Perhaps, electronic signature device 201 has the electronic equipment of display screen with enchashment identifying code image file transfers to user mobile phone or other, and the camera of banking terminal 201 is taken the enchashment identifying code image of the display screen demonstration of mobile phone or other electronic equipments again.
The camera of banking terminal 201 is sent to main control module with the image of taking by described communication interface, and main control module is sent to bank server 203 with this image.Main control module is carried out the relevant treatment of enchashment transaction after receiving the indication that allows the enchashment transaction, after the indication of receiving refusal enchashment transaction, show the information of authentication failed.
The internal structure of described electronic signature device 201 comprises as shown in Figure 4:
The mode that the enchashment authorization code of character string form is converted to enchashment authorization code image can be following any:
1, utilizes laser bar code technology of the prior art, the enchashment authorization code of character string form is converted to laser bar code.
2, the block of pixels that each pixel or the plurality of pixels point of image are formed is represented binary zero and 1 as a bit respectively with B﹠W.Such as the image of 128*64 dot matrix, on every adjacent two row two pixels are as a bit up and down, then this image can hold the content of 32 line data, each row has 128 bits.Modular converter 303 is converted to string of binary characters with the enchashment authorization code of described character string form, and this string of binary characters is converted to the black and white lattice image; Be divided into the plurality of pixels piece according to predefined procedure in the described black and white lattice image, the sum of block of pixels is more than or equal to the number of characters of described string of binary characters; Each block of pixels is according to a bit in the corresponding described string of binary characters of described predefined procedure, and represents binary zero and 1 respectively with B﹠W.
The invention allows for a kind of implementation method of preengaging encashment service, user's registered in advance becomes the client of Internet bank's business, and oneself cell-phone number or digital certificate and bank card are bound, and opens the function of the Internet bank; Described cell-phone number, digital certificate and bank's card number are stored in the database of bank server of network side;
This method comprises the steps:
Bank server receives the user behind the amount of money of user profile of importing on the interface of banking terminal and reservation enchashment, retrieve described database and judge whether to support this encashment service, if send the indication that generates the enchashment authorization code to electronic signature device by the network terminal;
Electronic signature device generates the enchashment authorization code of character string form according to the algorithm of inside agreement; And the enchashment authorization code of described character string form is converted to enchashment authorization code image; Show or send to mobile phone by electronic signature device to show, perhaps enchashment authorization code image is taken pictures and show by mobile phone;
The camera of banking terminal is taken the enchashment authorization code image of electronic signature device or handset displays, and this enchashment authorization code view data is sent to bank server;
Bank server utilizes image recognition technology, from enchashment authorization code image, extract enchashment authorization code to be verified from banking terminal, and described enchashment authorization code to be verified carried out verification, if verification is passed through, then send the indication that allows this enchashment transaction to banking terminal; If verification is not passed through, then send the indication of this enchashment transaction of refusal to banking terminal.
Wherein, the described Internet bank is professional is mobile banking service or Internet-based banking services.
Wherein, the described network terminal is the PC of opening the mobile phone of Mobile banking or connecting Web bank.
Wherein, the described enchashment authorization code electronic signature that can be dynamic password or transaction data.
The above only is preferred embodiment of the present invention, and is in order to restriction the present invention, within the spirit and principles in the present invention not all, any modification of being made, is equal to replacement, improvement etc., all should be included within the scope of protection of the invention.
Claims (9)
1. a bank server is characterized in that, comprising:
Database is used to store user's bank account information and user's registration information, comprising cell-phone number, bank's card number and the digital certificate of binding mutually;
The terminal interaction module is used to receive the reservation encashment service information from banking terminal; Judge by retrieving described database whether reservation encashment service information is effective, if then send the Indication message that obtains the enchashment identifying code to banking terminal; Also be used to receive view data from the camera of banking terminal;
Bank's reservation transaction modules, the reservation enchashment that is used for carrying out on the network terminal according to the user is operated, retrieve described database and judge whether to support this encashment service,, and make the network terminal send the indication that generates the enchashment authorization code to electronic signature device if then enable authentication module;
Authentication module, be used to utilize image recognition technology, from the view data that the terminal interaction module receives, extract enchashment authorization code to be verified, and described enchashment authorization code to be verified is carried out verification, if verification is passed through, then send the indication that allows this enchashment transaction to banking terminal; If verification is not passed through, then send the indication of this enchashment transaction of refusal to banking terminal.
2. an electronic signature device is characterized in that, comprises
Communication module is used for being undertaken alternately by the network terminal and bank server, after the indication of receiving by the network terminal from the generation enchashment authorization code of bank server, sends to algoritic module and to enable indication;
Algoritic module, be used for receive described enable indication after, generate the enchashment authorization code of character string form according to enchashment authorization code algorithm;
Modular converter, the enchashment authorization code that is used for character string form that described algoritic module is generated is converted to enchashment authorization code image;
Display module is used to the enchashment authorization code image that shows that described modular converter generates.
3. electronic signature device according to claim 3 is characterized in that, only comprises numeral in the enchashment authorization code of described character string form; Described modular converter further comprises:
The laser bar code converting unit is used for dynamic password with described character string form and is converted to laser bar code as the authorization code image.
4. electronic signature device according to claim 3 is characterized in that, described modular converter is used for the dynamic password of described character string form is converted to string of binary characters, and this string of binary characters is converted to the black and white lattice image; Be divided into the plurality of pixels piece according to predefined procedure in the described black and white lattice image, the sum of block of pixels is more than or equal to the number of characters of described string of binary characters; Each block of pixels is according to a bit in the corresponding described string of binary characters of described predefined procedure, and represents binary zero and 1 respectively with B﹠W.
5. a reservation enchashment system is characterized in that, comprises electronic signature device, the network terminal, banking terminal and bank server,
Described bank server comprises:
Database is used to store user's bank account information and user's registration information, comprising cell-phone number, bank's card number and the digital certificate of binding mutually;
The terminal interaction module is used to receive the reservation encashment service information from banking terminal; Judge by retrieving described database whether reservation encashment service information is effective, if then send the Indication message that obtains the enchashment identifying code to banking terminal; Also be used to receive view data from the camera of banking terminal;
Bank's reservation transaction modules, the reservation enchashment that is used for carrying out on the network terminal according to the user is operated, retrieve described database and judge whether to support this encashment service,, and make the network terminal send the indication that generates the enchashment authorization code to electronic signature device if then enable authentication module;
Authentication module, be used to utilize image recognition technology, from the view data that the terminal interaction module receives, extract enchashment authorization code to be verified, and described enchashment authorization code to be verified is carried out verification, if verification is passed through, then send the indication that allows this enchashment transaction to banking terminal; If verification is not passed through, then send the indication of this enchashment transaction of refusal to banking terminal;
Described banking terminal comprises the communication interface between main control module, camera and main control module and the camera; Main control module sends to camera by this communication interface and takes instruction, after camera is received this shooting instruction, from the mode switch of monitoring of a recorded programme video recording is screening-mode, and take an image, the image of taking is sent to main control module by described communication interface, and main control module is sent to bank server with this image; Main control module is carried out the relevant treatment of enchashment transaction after receiving the indication that allows the enchashment transaction, after the indication of receiving refusal enchashment transaction, show the information of authentication failed;
The described network terminal is to be used for the equipment that establishes a communications link between electric signing tools and bank server;
Described electronic signature device comprises:
Communication module is used for being undertaken alternately by the network terminal and bank server, after the indication of receiving by the network terminal from the generation enchashment authorization code of bank server, sends to algoritic module and to enable indication;
Algoritic module, be used for receive described enable indication after, generate the enchashment authorization code of character string form according to enchashment authorization code algorithm;
Modular converter, the enchashment authorization code that is used for character string form that described algoritic module is generated is converted to enchashment authorization code image;
Display module is used to the enchashment authorization code image that shows that described modular converter generates.
6. system according to claim 5 is characterized in that, the described network terminal is the PC of opening the mobile phone of Mobile banking or connecting Web bank.
7. an implementation method of preengaging encashment service is characterized in that, user's registered in advance becomes the client of Internet bank's business, and oneself cell-phone number or digital certificate and bank card are bound, and opens the function of the Internet bank; Described cell-phone number, digital certificate and bank's card number are stored in the database of bank server of network side;
This method comprises the steps:
Bank server receives the user behind the amount of money of user profile of importing on the interface of banking terminal and reservation enchashment, retrieve described database and judge whether to support this encashment service, if send the indication that generates the enchashment authorization code to electronic signature device by the network terminal;
Electronic signature device generates the enchashment authorization code of character string form according to enchashment authorization code algorithm; And the enchashment authorization code of described character string form is converted to enchashment authorization code image; Show or send to mobile phone by electronic signature device to show, perhaps enchashment authorization code image is taken pictures and show by mobile phone;
The camera of banking terminal is taken the enchashment authorization code image of electronic signature device or handset displays, and this enchashment authorization code view data is sent to bank server;
Bank server utilizes image recognition technology, from enchashment authorization code image, extract enchashment authorization code to be verified from banking terminal, and described enchashment authorization code to be verified carried out verification, if verification is passed through, then send the indication that allows this enchashment transaction to banking terminal; If verification is not passed through, then send the indication of this enchashment transaction of refusal to banking terminal.
8. method according to claim 7 is characterized in that, the described Internet bank is professional to be mobile banking service or Internet-based banking services.
9. method according to claim 7 is characterized in that, the described network terminal is the PC of opening the mobile phone of Mobile banking or connecting Web bank.
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| CN201010298885XA CN101945118B (en) | 2010-09-29 | 2010-09-29 | Method, device and system for realizing reserved withdrawal service |
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| CN104869107A (en) * | 2014-02-26 | 2015-08-26 | 腾讯科技（深圳）有限公司 | Identity authentication method, wearable equipment, authentication server and system thereof |
| CN106022914A (en) * | 2016-07-01 | 2016-10-12 | 北京孔方同鑫科技有限公司 | Money withdrawing method based on cash reserve monitoring and balancing and apparatus |
| CN108667622A (en) * | 2018-05-21 | 2018-10-16 | 平安科技（深圳）有限公司 | Electron underwriting authentication method, system, computer equipment and storage medium |
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