CN103942897B - A kind of method realizing withdrawing the money without card on ATM - Google Patents
A kind of method realizing withdrawing the money without card on ATM Download PDFInfo
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- CN103942897B CN103942897B CN201410167217.1A CN201410167217A CN103942897B CN 103942897 B CN103942897 B CN 103942897B CN 201410167217 A CN201410167217 A CN 201410167217A CN 103942897 B CN103942897 B CN 103942897B
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Abstract
The invention provides a kind of method realizing on ATM and withdrawing the money without card, use mobile terminal and there is the ATM of Quick Response Code identification module, comprising the following steps: A. mobile terminal sends withdrawal request information by mobile Internet to background server；B. background server generates corresponding withdrawl deposit record information according to withdrawal request information, and described withdrawl deposit record information is sent to mobile terminal；The most described mobile terminal generates two-dimension code label according to described withdrawl deposit record information；The two-dimension code label that D.ATM machine is generated by Quick Response Code identification module scanning mobile terminal, and this two-dimension code label is resolved, two-dimension code label information and this ATM information after resolving are sent to background server by bank's in-house network；E. after background server carries out data process, and note output instruction is sent to corresponding ATM；F.ATM machine performs note output operation after receiving note output instruction.Use technical scheme, realize various management of personal money account direct enchashment on ATM by mobile terminal, be convenient for users to operate.
Description
Technical field
The present invention relates to bank ATM withdraw the money method, be specifically related to a kind of method being realized by mobile terminal withdrawing the money without card on ATM.
Background technology
At present, user is withdrawn the money by ATM, it is necessary to first inserts bank card, just can carry out operation of withdrawing the money.But along with network finance and the fast development of mobile Internet, each big bank is all proposed the Internet bank and Mobile banking and finance product thereof, and the Alipay that Third-party payment platform such as Taobao releases is widely used, the most emerging network way to manage money such as remaining sum is precious and logical grade of financing is also favored by user deeply.It is contemplated that, money at future customer will more and more be stored in network individual account (the network finance product that remaining sum is precious, financing is logical, each big bank releases), and mobile-phone payment also will gradually replace payment of paying in cash and swipe the card, therefore, in the near future, the use frequency of bank card even can completely dispense with fewer and feweri.Under prior art means, user is the most convenient by the mobile terminal remittance that carries out transferring accounts, and the enchashment without card using a kind of safe and reliable technical scheme to realize ATM by mobile terminal will be next step developing direction.
For ensureing user account safety, existing ATM is all to access bank's in-house network, makes to become simple without card enchashment although allowing ATM access the Internet, but will be with sacrificing security as cost.And under existing ATM mode, user withdraws the money and the money of network individual account first proceeds to bank card, and ATM just can be gone to withdraw the money, this causes very big inconvenience to the user under the network finance epoch.
Therefore, for drawbacks described above present in currently available technology, it is necessary to study in fact, to provide a kind of scheme, solves defect present in prior art.
Summary of the invention
In order to overcome the defect of above-mentioned prior art, the invention provides a kind of method being realized on ATM machine by mobile terminal and withdrawing the money without card, thus can realize the deposit on network individual account directly by ATM enchashment.
For solving the problem that prior art exists, the technical scheme is that
A kind of method realizing withdrawing the money without card on ATM, uses mobile terminal and has the ATM of Quick Response Code identification module, comprising the following steps:
A. mobile terminal sends withdrawal request information by mobile Internet to background server；
B. background server generates corresponding withdrawl deposit record information according to withdrawal request information, and described withdrawl deposit record information is sent to mobile terminal；
The most described mobile terminal generates two-dimension code label according to described withdrawl deposit record information；
The two-dimension code label that D.ATM machine is generated by Quick Response Code identification module scanning mobile terminal, and this two-dimension code label is resolved, two-dimension code label information and this ATM information after resolving are sent to background server by bank's in-house network；
E. after background server carries out data process, and note output instruction is sent to corresponding ATM；
F.ATM machine performs note output operation after receiving note output instruction.
Preferably, in described step E, background server data handling procedure is, resolve the two-dimension code label information that ATM sends, and mate with the withdrawl deposit record information being initially generated, after completing authentication and financial accounting further according to bank belonging to matching result and ATM information and this ATM, send note output instruction to this ATM.
Preferably, in step B, described withdrawl deposit record information is generated by AES according to encryption key.
Preferably, described encryption key is the background server random number in generation, and this random number is corresponding with the withdrawl deposit record information generated.
Preferably, in step C, the algorithm of mobile terminal generation two-dimension code label is corresponding with the algorithm that ATM in step D resolves two-dimension code label.
Preferably, the withdrawal information that background server sends according to described encryption key decryption ATM, this decipherment algorithm is corresponding with the AES generating withdrawl deposit record information.
Preferably, described mobile terminal is smart mobile phone.
Preferably, described Quick Response Code scan module is camera module.
Compared with prior art, beneficial effects of the present invention is as follows: realize various management of personal money account direct enchashment on ATM by mobile terminal, user-friendly.
Accompanying drawing explanation
Fig. 1 is the flow chart that the embodiment of the present invention realizes the method withdrawn the money without card on ATM；
Fig. 2 is the theory diagram that the embodiment of the present invention realizes realizing the system without blocking the method withdrawn the money on ATM.
Detailed description of the invention
In order to make the purpose of the present invention, technical scheme and advantage clearer, below in conjunction with drawings and Examples, the present invention is further elaborated.Should be appreciated that specific embodiment described herein, only in order to explain the present invention, is not intended to limit the present invention.
On the contrary, the present invention contains any replacement made in the spirit and scope of the present invention, amendment, equivalent method and scheme being defined by the claims.Further, in order to make the public that the present invention to be had a better understanding, in below the details of the present invention being described, detailed describe some specific detail sections.The description not having these detail sections for a person skilled in the art can also understand the present invention completely.
Seeing Fig. 1, show the embodiment of the present invention and realize the flow chart of the method withdrawn the money without card on ATM, comprise the steps: in step sl, mobile terminal sends withdrawal request information by mobile Internet to background server；In step s 2, background server generates corresponding withdrawl deposit record information according to withdrawal request information, and withdrawl deposit record information is sent to mobile terminal；In step s3, the withdrawl deposit record information that the client software on mobile terminal sends according to background server generates two-dimension code label；In step s 4, the two-dimension code label that ATM scanning mobile terminal generates, and this two-dimension code label information and this ATM information are sent to background server；In step s 5, background server carries out data process；In step s 6, background server sends note output instruction to corresponding ATM；In the step s 7, ATM performs note output operation after receiving note output instruction.
The ATM of the embodiment of the present invention is communicated with background server by bank's Intranet, and the mobile terminal of the embodiment of the present invention is the smart mobile phone that can run client software, is communicated with background server by mobile Internet.Background server cuts off outer net and is directly accessed bank's in-house network, thus ensure that the safety of ATM.
The ATM of the embodiment of the present invention includes Quick Response Code scan module, can scan and resolve the withdrawl deposit record information that mobile terminal generates.
In step sl, running of mobile terminal personal account client also logs in personal account, and personal account is that management of personal money stores account, has unique identifying number；Personal account client can be Mobile banking of each big bank, Third-party payment platform or network financing account；Personal account client possesses the functions such as user's login, account management, two-dimension code label generation, withdrawal request transmission.Withdrawal request function is directed to background server and sends withdrawal request information；Two-dimension code label systematic function refers to that the withdrawl deposit record information sent according to background server generates two-dimension code label.
Withdrawal request information at least includes personal account identification number, the withdraw funds of user's input and real-time time；Real-time time is for recording the operation moment of user.When using mobile terminal to withdraw the money, user first inputs account number cipher and logs in personal account client software, sends withdrawal request information to background server after inputting the suitable amount of money.
Withdrawl deposit record information at least includes withdrawal request information and identification number；
In order to ensure customer transaction safety, one preferred implementation of the present invention, withdrawl deposit record information is that background server is generated by AES according to encryption key, and every withdrawl deposit record information has unique identification number, and identification number is non-encrypted information.Encryption key is the random number that background server produces when generating withdrawl deposit record information, and this random number is stored in background server after the identification number binding of the withdrawl deposit record information generated, and encryption key is randomly generated, and anyone cannot obtain.Accordingly, when background server receives the withdrawal information that ATM sends, identification number according to this withdrawl deposit record information determines the encryption key of correspondence, is decrypted the two-dimension code label information after algorithm obtains deciphering, and the AES of background server is corresponding with decipherment algorithm.After using the method, the withdrawal request information of the same content that same mobile terminal sends, the withdrawl deposit record information that background server is generated is different, because its encryption key is different, and what encryption key was randomly generated, being only stored in server, anyone cannot obtain, thus has ensured the safety of transaction.
Every ATM has unique identifying number, and ATM information at least includes ATM identification number；ATM can scan and resolve the two-dimension code label that mobile terminal generates, and the algorithm generating two-dimension code label in mobile terminal is corresponding with the algorithm resolving two-dimension code label in ATM.ATM will resolve after withdrawal information and ATM information be sent to background server, background server data handling procedure is, judge that the withdrawl deposit record information being originally generated is the most consistent with the two-dimension code label information after deciphering, if it is consistent, bank belonging to this ATM is determined further according to ATM information, with this ATM belonging to bank complete authentication and financial accounting after, decide whether ratify withdrawal request, if approval to this ATM send note output instruct.After ATM receives note output instruction, perform note output operation, and send out paper money operation to background server and run succeeded signal；Accordingly, background server sends, to mobile terminal, pass signal of withdrawing the money.
See Fig. 2, show and realize the system principle diagram of method that the embodiment of the present invention realizes withdrawing the money without card on ATM, including mobile terminal, background server with have Quick Response Code identification module ATM cash dispenser, wherein,
Mobile terminal is connected with background server by mobile Internet, sends withdrawal request information to background server and the withdrawl deposit record information according to background server transmission generates two-dimension code label of withdrawing the money；
ATM cash dispenser includes Quick Response Code scan module and Quick Response Code parsing module, it is possible to scan and identify the two-dimension code label that mobile terminal generates, and is connected with background server by bank's in-house network；
The information that background server reception mobile terminal and ATM cash dispenser send over, carries out information processing, and sends note output instruction according to information processing result to ATM cash dispenser.
Mobile terminal is smart mobile phone or has the panel computer accessing mobile Internet function；
Quick Response Code scan module is common camera module.
The present invention, in the case of ensureing transaction security, withdraws the money without bank card on ATM realizes, facilitates client.
The foregoing is only presently preferred embodiments of the present invention, not in order to limit the present invention, all any amendment, equivalent and improvement etc. made within the spirit and principles in the present invention, should be included within the scope of the present invention.
Claims (6)
1. one kind realizes without the method withdrawn the money of card on ATM, it is characterised in that use mobile terminal and
There is the ATM of Quick Response Code identification module, comprise the following steps:
A. mobile terminal sends withdrawal request information by mobile Internet to background server；
B. background server generates corresponding withdrawl deposit record information according to withdrawal request information, and by described note of withdrawing the money
Record information is sent to mobile terminal；
The most described mobile terminal generates two-dimension code label according to described withdrawl deposit record information；
D.ATM machine by Quick Response Code identification module scanning mobile terminal generate two-dimension code label, and to this two
Dimension code label resolves, and two-dimension code label information and this ATM information after resolving pass through bank
In-house network is sent to background server；
E. after background server carries out data process, and note output instruction is sent to corresponding ATM；
F.ATM machine performs note output operation after receiving note output instruction；
In described step E, background server data handling procedure is, resolves the Quick Response Code that ATM sends
Label information, and mate with the withdrawl deposit record information being initially generated, further according to matching result and ATM
Machine information, with this ATM belonging to bank complete authentication and financial accounting after, to this ATM transmission note output
Instruction；
In step B, described withdrawl deposit record information is generated by AES according to encryption key.
The method realizing withdrawing the money without card on ATM the most according to claim 1, it is characterised in that
Described encryption key is the random number that background server generates, this random number and the withdrawl deposit record information generated
Corresponding.
The method realizing withdrawing the money without card on ATM the most according to claim 1, it is characterised in that
In step C, mobile terminal generates algorithm and the ATM parsing two-dimension code label in step D of two-dimension code label
Algorithm corresponding.
The method realizing withdrawing the money without card on ATM the most according to claim 1, it is characterised in that
The withdrawal information that background server sends according to described encryption key decryption ATM, decipherment algorithm and generation
The AES of withdrawl deposit record information is corresponding.
The method realizing withdrawing the money without card on ATM the most according to claim 1, it is characterised in that
Described mobile terminal is smart mobile phone.
The method realizing withdrawing the money without card on ATM the most according to claim 1, it is characterised in that
Described Quick Response Code identification module is camera module.
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| CN201410167217.1A CN103942897B (en) | 2014-04-23 | 2014-04-23 | A kind of method realizing withdrawing the money without card on ATM |
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| CN201410167217.1A CN103942897B (en) | 2014-04-23 | 2014-04-23 | A kind of method realizing withdrawing the money without card on ATM |
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| CN103942897B true CN103942897B (en) | 2016-11-09 |
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Families Citing this family (11)
| Publication number | Priority date | Publication date | Assignee | Title |
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| CN104820944A (en) * | 2015-05-11 | 2015-08-05 | 中国工商银行股份有限公司 | Method and system for bank self-service terminal authentication, and device |
| CN105096474A (en) * | 2015-06-29 | 2015-11-25 | 百度在线网络技术（北京）有限公司 | Method and device for withdrawing cash without card |
| CN106452773A (en) * | 2015-08-06 | 2017-02-22 | 阿里巴巴集团控股有限公司 | Data object interaction method and data object interaction equipment |
| CN105354787A (en) * | 2015-11-08 | 2016-02-24 | 侯岗 | Communication real-name system based communication money management system |
| CN107451809A (en) * | 2017-06-29 | 2017-12-08 | 台山市金讯互联网络科技有限公司 | A kind of method withdrawn the money without card |
| CN107393213A (en) * | 2017-06-29 | 2017-11-24 | 台山市金讯互联网络科技有限公司 | A kind of method withdrawn the money without card |
| TWI748415B (en) * | 2018-03-31 | 2021-12-01 | 華南商業銀行股份有限公司 | System and method for executing transaction based on a mobile communication device |
| TWI696136B (en) * | 2018-03-31 | 2020-06-11 | 華南商業銀行股份有限公司 | System and method for executing transaction based on a mobile communication device |
| CN112199971A (en) * | 2020-09-17 | 2021-01-08 | 中国建设银行股份有限公司 | Code scanning method and device, computer equipment and storage medium |
| CN112767617A (en) * | 2021-01-13 | 2021-05-07 | 广东奔腾达电子有限公司 | Card-free automatic teller machine utilizing mobile terminal and identity card multiple identification |
| CN113971553A (en) * | 2021-10-28 | 2022-01-25 | 中国银行股份有限公司 | Remittance method, bank background system and bank client |
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Application publication date: 20140723 Assignee: Hangzhou Charles Electronic Technology Co., Ltd. Assignor: Hangzhou Electronic Science and Technology Univ Contract record no.: 2018330000072 Denomination of invention: Method for money withdrawing without card on ATM Granted publication date: 20161109 License type: Common License Record date: 20180613 |
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