CN104123793A - Money withdrawing system based on NFC function, money withdrawing method of money withdrawing system based on NFC function and money withdrawing machine - Google Patents
Money withdrawing system based on NFC function, money withdrawing method of money withdrawing system based on NFC function and money withdrawing machine Download PDFInfo
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- CN104123793A CN104123793A CN201310154671.9A CN201310154671A CN104123793A CN 104123793 A CN104123793 A CN 104123793A CN 201310154671 A CN201310154671 A CN 201310154671A CN 104123793 A CN104123793 A CN 104123793A
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- money
- withdrawing
- mobile terminal
- nfc
- cash dispenser
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
- G06Q20/32—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
- G06Q20/327—Short range or proximity payments by means of M-devices
- G06Q20/3278—RFID or NFC payments by means of M-devices
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- G—PHYSICS
- G07—CHECKING-DEVICES
- G07F—COIN-FREED OR LIKE APPARATUS
- G07F19/00—Complete banking systems; Coded card-freed arrangements adapted for dispensing or receiving monies or the like and posting such transactions to existing accounts, e.g. automatic teller machines
- G07F19/20—Automatic teller machines [ATMs]
- G07F19/203—Dispensing operations within ATMs
Abstract
The invention relates to a money withdrawing method based on the NFC function and a money withdrawing system based on the NFC function. The money withdrawing method based on the NFC function is characterized in that data transmission is carried out between a mobile terminal with the NFC function and a money withdrawing machine with the NFC function based on NFC, and data exchange among the money withdrawing machine, a receiving bank system, a bank card organization system and a card issuing bank system is achieved. By means of the money withdrawing method based on the NFC function and the money withdrawing system based on the NFC function, as a bank card does not need to be inserted into the money withdrawing machine, and passwords of the bank card do not need to be input into the money withdrawing machine, a stealing device arranged by a lawbreaker on the money withdrawing machine cannot steal the bank card and the passwords of the bank card; in addition, the solid bank card does not need to be carried during money withdrawing, so that portability is high.
Description
Technical field
The present invention relates to non-contact data disposal system and data processing method, relate to particularly the system of withdrawing the money based on NFC function, the method for withdrawing the money and cash dispenser.
Background technology
In the prior art, traditional bank card business of withdrawing the money, needs holder that bank card entity card is provided, and at the cash dispenser terminal input password of withdrawing the money.There are two drawbacks in such operation:
The one, traffic limits, holder must carry bank card entity card, and being responsible for cannot be by the cash dispenser operation of withdrawing the money, and to holder, particularly mobile payment user makes troubles;
The 2nd, safety problem, undesirable utilizes special equipment, steals bank card, or steals bank card password in the time that holder inputs password.
Summary of the invention
In view of the above problems, the present invention aims to provide and does not a kind ofly need to carry bank's card machine and just can realize the safe system of withdrawing the money based on NFC function, the method for withdrawing the money and the cash dispenser of withdrawing the money.
The method of withdrawing the money based on NFC function of the present invention is the method for carrying out data transmission between the mobile terminal of NFC function and the cash dispenser of NFC function based on NFC and being used for realizing the exchanges data between cash dispenser and receiving bank's system, bankcard association system and issuing bank's system possessing, it is characterized in that, comprise the steps:
The acquisition of information step of withdrawing the money: user is by possessing withdraw the money information and utilize the NFC function that mobile terminal possesses that the information of withdrawing the money is sent to cash dispenser of the acquisition for mobile terminal of NFC function;
In the request of withdrawing the money, send step: cash dispenser is initiated the request of withdrawing the money based on the described information of withdrawing the money to receiving bank's system;
The requests verification of withdrawing the money step: receiving bank's system is carried out validity judgement to the request of withdrawing the money;
The request of withdrawing the money forwards step: receiving bank's system will be withdrawn the money and ask to be transmitted to bankcard association system under the legal prerequisite of request is withdrawn the money in judgement, then by bankcard association system forwards to issuing bank's system;
Withdraw the money and honour response steps: the legitimacy of issuing bank's system verification request of withdrawing the money, and honouring by withdrawing the money after verifying the bankcard association system that sends to of replying;
Withdraw the money to honour and reply forwarding step: bankcard association system will be withdrawn the money and be honoured the receiving bank's system that is forwarded to of replying;
Tell paper money notifying process: receiving bank's system is honoured answer notification cash dispenser and told paper money actuating work to carry out according to withdrawing the money.
Preferably, before the described acquisition of information step of withdrawing the money, also possess:
Service fulfillment step: only carry out the binding of bank card account, mobile terminal and mobile-payment system in the time activating the service for the first time.
Preferably, also possess after telling paper money notifying process described:
The result of withdrawing the money notifying process: the cash dispenser transaction results notice mobile terminal of withdrawing the money.
Preferably, withdraw the money in acquisition of information step described, at least one or more the information of withdrawing the money that user withdraws the money in account, the amount of money, trading password in mobile terminal input.
Preferably, withdraw the money in result notifying process described, the described mobile terminal result of also withdrawing the money is notified described mobile-payment system.
The method of withdrawing the money based on NFC function of the present invention, it is the method for carrying out data transmission between the mobile terminal of NFC function and the cash dispenser of NFC function based on NFC and being used for realizing the exchanges data between mobile-payment system, cash dispenser, receiving bank's system, bankcard association system and issuing bank's system possessing, it is characterized in that, comprise the steps:
The acquisition of information step of withdrawing the money: user is by possessing withdraw the money information and utilize NFC function that mobile terminal possesses to obtain the cash dispenser facility information of this cash dispenser of the acquisition for mobile terminal of NFC function;
In the request of withdrawing the money, send step: the information of withdrawing the money described in mobile terminal general and cash dispenser facility information are asked by delivering to receiving bank's system on mobile-payment system as withdrawing the money;
The requests verification of withdrawing the money step: receiving bank's system is carried out validity judgement to the request of withdrawing the money;
The request of withdrawing the money forwards step: receiving bank's system will be withdrawn the money and ask to be transmitted to bankcard association system under the legal prerequisite of request is withdrawn the money in judgement, then by bankcard association system forwards to issuing bank's system;
Withdraw the money and honour response steps: the legitimacy of issuing bank's system verification request of withdrawing the money, and honouring by withdrawing the money after verifying the bankcard association system that sends to of replying;
Withdraw the money to honour and reply forwarding step: bankcard association system will be withdrawn the money and be honoured the receiving bank's system that is forwarded to of replying;
Tell paper money notifying process: receiving bank's system is honoured answer notification and carried out and tell paper money actuating work corresponding to the cash dispenser of cash dispenser facility information according to withdrawing the money.
Preferably, before the described acquisition of information step of withdrawing the money, also possess:
Service fulfillment step: only carry out the binding of bank card account, mobile terminal and mobile-payment system in the time activating the service for the first time.
Preferably, also possess after telling paper money notifying process described:
The result of withdrawing the money notifying process: receiving bank's system transaction results notice mobile-payment system of withdrawing the money;
The result of withdrawing the money forwards step: mobile-payment system is by this transaction results notice mobile terminal of withdrawing the money.
Preferably, before the described acquisition of information step of withdrawing the money, also possess:
Business-binding step: bank card account, mobile terminal and mobile-payment system are bound.
Preferably, withdraw the money in acquisition of information step described, at least one or more the information of withdrawing the money that user withdraws the money in account, the amount of money, trading password in mobile terminal input.
The system of withdrawing the money based on NFC function of the present invention, is characterized in that, comprising: mobile terminal, mobile-payment system, cash dispenser, receiving bank's system, bankcard association system, issuing bank's system,
Described mobile terminal possesses: for carry out first of the business of withdrawing the money withdraw the money the data communication based on NFC between module, execution and cash dispenser a NFC communication module and carry out the first safety encipher module of safety encipher for the data communication to based on NFC
Described cash dispenser possesses: for carry out withdraw the money process second withdraw the money module, for carrying out the 2nd NFC communication module of the data communication based on NFC between described mobile terminal and carrying out the second safety encipher module of safety encipher for the data communication to based on NFC.
Preferably, first of described mobile terminal is withdrawn the money module for obtaining the information of withdrawing the money, and a NFC communication module of described mobile terminal is for sending to the described information of withdrawing the money the 2nd NFC communication module of described cash dispenser, second of described cash dispenser is withdrawn the money module for obtaining the request of withdrawing the money from the 2nd NFC communication module of described cash dispenser and this request of withdrawing the money being sent to receiving bank's system, on the other hand, second of the described cash dispenser module of withdrawing the money is told paper money action for honouring according to following withdrawing the money to reply to carry out, described receiving bank system is for carrying out validity judgement and withdrawing the money and ask to be transmitted to bankcard association system under the legal prerequisite of the judgement request of withdrawing the money to the request of withdrawing the money, on the other hand, be forwarded to second of the cash dispenser module of withdrawing the money when receiving that from described bankcard association system withdrawing the money of returning honours to honour withdrawing the money the situation of replying to reply, described bankcard association system is for being forwarded to issuing bank's system by the request of withdrawing the money from receiving bank's system, and will withdraw the money and honour the receiving bank's system that is forwarded to of replying receiving from described issuing bank system to withdraw the money to honour reply in the situation that, described issuing bank system is for judging and return to withdraw the money to honour to described bankcard association and reply the transaction of withdrawing the money.
Preferably, first of described mobile terminal withdraw the money module for bank card account, mobile terminal and mobile-payment system are bound.
Preferably, described in, the information of withdrawing the money comprises at least one or more in the account of withdrawing the money, the amount of money, trading password.
Preferably, second of described cash dispenser is withdrawn the money module also for the transaction results of withdrawing the money being sent to first of the described mobile terminal module of withdrawing the money by a NFC communication module of the 2nd NFC communication module of described cash dispenser, described mobile terminal completing after withdrawing the money,
First of described mobile terminal is withdrawn the money module also for notifying described mobile-payment system by this transaction results of withdrawing the money.
Preferably, first of described mobile terminal is withdrawn the money module for obtaining the information of withdrawing the money and obtaining the cash dispenser facility information of described cash dispenser for the NFC communication module by described mobile terminal, the first safety encipher module, a NFC communication module of described mobile terminal for will described in withdraw the money information and described cash dispenser facility information send to described mobile-payment system, described mobile-payment system is for sending to receiving bank's system from withdraw the money described in described acquisition for mobile terminal information and described cash dispenser facility information and the conduct request of withdrawing the money, described receiving bank system is for carrying out validity judgement and withdrawing the money and ask to be transmitted to bankcard association system under the legal prerequisite of the judgement request of withdrawing the money to the request of withdrawing the money, on the other hand, be forwarded to second of the cash dispenser module of withdrawing the money when receiving that from described bankcard association system withdrawing the money of returning honours to honour withdrawing the money the situation of replying to reply, described bankcard association system is for being forwarded to issuing bank's system by the request of withdrawing the money from receiving bank's system, and will withdraw the money and honour the receiving bank's system that is forwarded to of replying receiving from described issuing bank system to withdraw the money to honour reply in the situation that, described issuing bank system is for judging and return to withdraw the money to honour to described bankcard association system and reply the transaction of withdrawing the money.
Preferably, first of described mobile terminal withdraw the money module for bank card account, mobile terminal and mobile-payment system are bound.
Preferably, described in, the information of withdrawing the money comprises at least one or more in the account of withdrawing the money, the amount of money, trading password.
Preferably, described mobile-payment system also completes to tell for the module of withdrawing the money at second of described cash dispenser and the transaction results of withdrawing the money is sent to after paper money action to first of the described mobile terminal module of withdrawing the money.
Cash dispenser based on NFC function of the present invention, is characterized in that possessing:
For carrying out second module of withdrawing the money of withdrawing the money and processing;
For carrying out the 2nd NFC communication module of the data communication based on NFC; And
For the data communication based on NFC being carried out to the second safety encipher module of safety encipher.
Utilize the method for withdrawing the money based on NFC function of the invention described above and the system of withdrawing the money based on NFC function, can obtain following advantage:
(1) there is no traffic limits: holder does not need to withdraw the money business and must carry bank card entity card as handled tradition, can bring the convenience in use to holder;
(2) improved security: can avoid the illegality equipment of being installed by undesirable to steal bank card, or steal bank card password in the time that holder inputs password, can improve security.
Therefore, the method of withdrawing the money based on NFC function of the present invention and the system of withdrawing the money based on NFC function can effectively solve tradition the withdraw the money restriction that entity bank card must be provided of business and the safety problem causing thus, can provide a kind of safety, the mode of withdrawing the money easily based on NFC for holder.
Brief description of the drawings
Fig. 1 is the total frame diagram that represents the system of withdrawing the money based on NFC function of the present invention.
Fig. 2 is the organigram that represents the mobile terminal 100 with NFC function of the present invention.
Fig. 3 is the organigram that represents the cash dispenser 200 with NFC function of the present invention.
Fig. 4 is the schematic appearance that represents the cash dispenser 200 with NFC function of the present invention.
Fig. 5 is the process flow diagram that represents the method for withdrawing the money based on NFC function of the first pattern of the present invention.
Fig. 6 is the process flow diagram that represents the method for withdrawing the money based on NFC function of the second pattern of the present invention.
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Embodiment
What introduce below is some in multiple embodiment of the present invention, aims to provide basic understanding of the present invention.Be not intended to confirm key of the present invention or conclusive key element or limit claimed scope.
Before the method for withdrawing the money, the system of withdrawing the money and the cash dispenser based on NFC function of the present invention described, first simply introduce NFC function.
The English full name Near of NFC Field Communication, wireless near field communication, is a newer wireless technology.NFC is developed by non-contact radio-frequency identification (RFID) and the Technology Integration that interconnects, combining induction card reader, induction type card and point-to-point function on one chip can be identified and exchanges data with compatible equipment in short distance.This technology is the just simple merging of RFID technology and network technology at first, has developed into now a kind of short-distance wireless communication technology, and developing state is quite rapid.
Different from RFID, NFC has the feature of two-way connection and identification, works in 13.56MHz frequency range, 10 centimetres of left and right of operating distance.NFC technology promotes standardization under ISO 18092, ECMA 340 and ETSI TS 102 190 frameworks, simultaneously the also compliant applications architecture of ISO 14443 Type-A, B and Felica standard contact type intelligent card widely.
NFC chip is contained on mobile phone, and mobile phone just can be realized doit electronic payment and read the information of other NFC equipment or label.Whole certification identifying is simplified in the short distance of NFC alternately greatly, and access is more direct, safer and clearer mutually to make electric room.By NFC, between multiple equipment such as computer, digital camera, mobile phone, PDA, can easily carry out quickly wireless connections, and then realize exchanges data and service.
The same with RFID, NFC information is also the electromagnetic induction coupling scheme transmission by wireless frequency part in frequency spectrum, but still has very large difference between the two.First, NFC is a kind of wireless connect technology that provides easily, communicates by letter safely, rapidly, its transmission range is less than RFID, the transmission range of RFID can reach several meters, even tens meters, but because NFC has taked unique signal attenuation technique, with respect to RFID, NFC has the features such as near distance, bandwidth is high, energy consumption is low.Secondly, NFC and existing contactless smart card technical compatibility, become and obtained the official standard that more and more leading firms support at present.Again, closely connection protocol of NFC or one, provides light between various device, safe, communication rapidly and automatically.Compared with other connected modes in wireless world, NFC is a kind of in-plant secret communication mode.Meanwhile, NFC is also better than infrared and Bluetooth transmission mode.As a kind of mechanism of exchange satisfying the needs of consumers, NFC than infrared sooner, more reliable and simply too much.Compared with bluetooth, NFC is towards closely transaction, is applicable to exchange the significant datas such as financial information or responsive personal information.
Then, describe based on the method for withdrawing the money of NFC function and the system of withdrawing the money for of the present invention.
Fig. 1 is the total frame diagram that represents the system of withdrawing the money based on NFC function of the present invention.
As shown in Figure 1, the system of withdrawing the money based on NFC function of the present invention mainly comprises: the mobile terminal 100(with NFC function is designated hereinafter simply as " mobile terminal "), be designated hereinafter simply as " cash dispenser " with the cash dispenser 200(of NFC function), receiving bank's system 300, bankcard association system 400, issuing bank's system 500 and mobile-payment system 600.Mobile-payment system 600 is responsible for the processing of mobile payment transaction, and carries out communication with receiving bank, issuing bank's system.Receiving bank's system 300, bankcard association system 400 and issuing bank's system 500 correspond respectively to the transaction system of receiving bank, bankcard association and issuing bank.
Fig. 2 is the organigram that represents the mobile terminal 100 with NFC function of the present invention.As shown in Figure 2, the mobile terminal 100 with NFC function of the present invention possesses: for carry out first of the business of withdrawing the money withdraw the money the data communication based on NFC between module 101, execution and cash dispenser a NFC communication module 102 and carry out the first safety encipher module 103 of safety encipher for the data communication to based on NFC.
Fig. 3 is the organigram that represents the cash dispenser 200 with NFC function of the present invention.As shown in Figure 3, the cash dispenser 200 with NFC function of the present invention possesses: for carry out withdraw the money process second withdraw the money module 201, for carrying out the 2nd NFC communication module 202 of the data communication based on NFC between described mobile terminal and carrying out the second safety encipher module 203 of safety encipher for the data communication to based on NFC.
Fig. 4 is the schematic appearance that represents the cash dispenser 200 with NFC function of the present invention.As shown in Figure 3, the cash dispenser 200 with NFC function of the present invention except having display screen that traditional cash dispenser possesses, Tu Chaokou, bank card slot, code keypad, has also increased NFC antenna area in appearance.
The method of withdrawing the money based on NFC function of the present invention, can be divided into first generally: two steps of " service fulfillment ", " transaction of withdrawing the money ".
(1) service fulfillment: holder need to hold the mobile terminal with NFC function, opens mobile payment service and the mobile payment business of withdrawing the money to card sending mechanism application, may also need to form contractual relation.Download and install mobile payment mobile phone terminal software and the mobile payment business module of withdrawing the money, bind corresponding bank card.Here " service fulfillment " is corresponding to " the service fulfillment step " recorded in claims, and this step was only once bound before first use, did not need to carry out this service fulfillment step in the process of withdrawing the money afterwards again.
(2) transaction of withdrawing the money: according to the mode difference of initiating transaction, can initiate to withdraw the money transaction by one of two kinds of patterns: the first pattern is that cash dispenser is initiated trade mode, the second pattern is mobile-payment system initiation trade mode.
First be, that cash dispenser initiation trade mode describes for the first pattern.
Fig. 5 is the process flow diagram that represents the method for withdrawing the money based on NFC function of the first pattern of the present invention.
The method of withdrawing the money based on NFC function of the first pattern of the present invention is by set up based on NFC the escape way of encrypting between mobile terminal 100 and cash dispenser 200, initiate the mobile payment request of withdrawing the money, transaction is honoured cash dispenser and is told paper money, for holder provides the safe mobile payment business function of withdrawing the money.Concrete technical scheme comprises as shown in Figure 5:
Step 1: holder enters the business module of withdrawing the money on mobile terminal 100, selects to withdraw the money account, inputs the element information of withdrawing the money, for example: and the amount of money of withdrawing the money, trading password, and confirm that the information of withdrawing the money is correct;
Step 2: holder is the NFC antenna area near cash dispenser 200 by mobile terminal 100, initiates to withdraw the money transaction request to cash dispenser 200;
Step 3: cash dispenser 200 is submitted this transaction request of withdrawing the money to receiving bank's system 300;
Step 4: receiving bank's system 300 is carried out validity judgement to this transaction request of withdrawing the money;
Step 5: receiving bank's system 300 is initiated the ATM enchashment request based on this transaction request of withdrawing the money to bankcard association system 400;
Step 6: bankcard association system 400 forwards ATM enchashment request to issuing bank's system 500;
Step 7: issuing bank's system 500 judges ATM enchashment request, returns to ATM enchashment reply to bankcard association system 400;
Step 8: bankcard association system 400 forwards ATM enchashment to receiving bank's system 300 and replys;
Step 9: receiving bank's system 300 according to ATM enchashment reply to conclude the business and honour and send and tell paper money instruction to cash dispenser 200;
Step 10: cash dispenser 200 is carried out and told paper money according to telling paper money instruction, at screen display, and notifies mobile terminal 100 by NFC escape way by transaction results by transaction results by transaction results;
Step 11: mobile terminal 100 is notified transaction results mobile-payment system 600(optional step as required).
Withdrawing the money in transaction of above-mentioned first kind of way, need in cash dispenser, not insert bank card, need in cash dispenser, not input bank card password yet, therefore, the equipment of stealing that can be arranged on cash dispenser by lawless person is stolen bank card and bank card password, and, owing to not needing to carry bank card entity card in the time withdrawing the money, therefore improve the portability using.
Then be, that mobile-payment system initiation trade mode describes for the second way.
Fig. 6 is the process flow diagram that represents the method for withdrawing the money based on NFC function of the second pattern of the present invention.
The method of withdrawing the money based on NFC function of the second pattern of the present invention is mobile terminal 100 obtains cash dispenser 200 facility information by its a NFC communication module 101, initiate the mobile payment request of withdrawing the money by mobile-payment system 600, transaction is honoured cash dispenser and is told paper money, for holder provides the safe mobile payment business function of withdrawing the money.Concrete technical scheme comprises as shown in Figure 6:
Step 1: holder enters the business module of withdrawing the money on mobile terminal 100, selects to withdraw the money account, inputs the element information of withdrawing the money, for example: and the amount of money of withdrawing the money, trading password, and confirm that the information of withdrawing the money is correct;
Step 2: holder is the NFC Card Reader end near cash dispenser by mobile terminal 100, first of mobile terminal 100 module 101 of withdrawing the money is obtained the facility information of cash dispenser 200 by a NFC communication module 102 and the first safety encipher module 103;
Step 3: first of mobile terminal 100 module 101 of withdrawing the money initiates to withdraw the money transaction request to backstage mobile-payment system 600;
Step 4: mobile-payment system 600 submits to receiving bank's system 300 transaction request of withdrawing the money to;
Step 5: receiving bank's system 300 is carried out validity judgement and confirmed cash dispenser connectivity transaction request;
Step 6: receiving bank's system 300 is initiated ATM enchashment request to bankcard association system 400;
Step 7: bankcard association system 400 forwards ATM enchashment request to issuing bank's system 500;
Step 8: issuing bank's system 500 judges transaction, and returns to ATM enchashment to bankcard association system 400 and reply;
Step 9: bankcard association system 400 forwards ATM enchashment enchashment to receiving bank's system 300 and replys;
Step 10: receiving bank's system 300 is concluded the business and honoured and send and tell paper money instruction to cash dispenser 200, cash dispenser 200 is carried out and is told paper money and in screen display transaction results;
Step 11: transaction results is notified mobile-payment system 600 by receiving bank's system 300;
Step 12: transaction results is notified mobile terminal 100 by mobile-payment system 600.
Withdrawing the money in transaction of the above-mentioned second way, equally need in cash dispenser, not insert bank card yet, nor need in cash dispenser, input bank card password, therefore, the equipment of stealing that can be arranged on cash dispenser by lawless person is stolen bank card and bank card password, and, owing to not needing to carry bank card entity card in the time withdrawing the money, therefore improve the portability using.
Then, once illustrate again for the system of withdrawing the money of the method for withdrawing the money that completes above-mentioned first mode and the second pattern.
As illustrated, the system of withdrawing the money based on NFC function of the present invention mainly comprises: mobile terminal 100, cash dispenser 200, receiving bank's system 300, bankcard association system 400, issuing bank's system 500 and mobile-payment system 600.Mobile terminal 100 possesses: for carry out first of the business of withdrawing the money withdraw the money the data communication based on NFC between module 101, execution and cash dispenser a NFC communication module 102 and carry out the first safety encipher module 103 of safety encipher for the data communication to based on NFC.Cash dispenser 200 possesses: for carry out withdraw the money process second withdraw the money module 201, for carrying out the 2nd NFC communication module 202 of the data communication based on NFC between described mobile terminal and carrying out the second safety encipher module 203 of safety encipher for the data communication to based on NFC.
In the case of the method for withdrawing the money that completes above-mentioned first mode, first of mobile terminal 100 is withdrawn the money module 101 for obtaining the information of withdrawing the money, and a NFC communication module 102 of mobile terminal 101 is for sending to the information of withdrawing the money the 2nd NFC communication module 202 of cash dispenser 200.
Second of cash dispenser 200 is withdrawn the money module 201 for obtaining the request of withdrawing the money from the 2nd NFC communication module 202 of cash dispenser 200 and this request of withdrawing the money being sent to receiving bank's system 300, on the other hand, second of cash dispenser 200 module 201 of withdrawing the money is told paper money action for honouring according to following withdrawing the money to reply to carry out.
Receiving bank's system 300 is for carrying out validity judgement and withdrawing the money and ask to be transmitted to bankcard association system 400 under the legal prerequisite of the judgement request of withdrawing the money to the request of withdrawing the money, on the other hand, be forwarded to second of cash dispenser 200 module 201 of withdrawing the money when receiving that from bankcard association system 400 withdrawing the money of returning honours to honour withdrawing the money the situation of replying to reply, bankcard association system 400 is for being forwarded to issuing bank's system 500 by the request of withdrawing the money from receiving bank's system 300, and will withdraw the money and honour the receiving bank's system 300 that is forwarded to of replying receiving from issuing bank's system 500 to withdraw the money to honour reply in the situation that.
Issuing bank's system 500 is for judging and return to withdraw the money to honour to bankcard association system 400 and reply the transaction of withdrawing the money.
First of mobile terminal 100 is withdrawn the money module 101 also for bank card account, mobile terminal and mobile-payment system are bound.Wherein, described in, the information of withdrawing the money comprises at least one or more in the account of withdrawing the money, the amount of money, trading password.
Moreover, second of cash dispenser 200 is withdrawn the money module 201 also for the one NFC communication module 102 of the 2nd NFC communication module 202 by cash dispenser 200, mobile terminal 100 sends to first of mobile terminal 100 module 101 of withdrawing the money by the transaction results of withdrawing the money completing after withdrawing the money, and first of mobile terminal 100 is withdrawn the money module 101 also for by this transaction results notice mobile-payment system 600 of withdrawing the money.
On the other hand, in the case of completing the withdrawing the money method of above-mentioned the second pattern, first of the mobile terminal 100 cash dispenser facility information of module 101 for obtaining the information of withdrawing the money and obtaining cash dispenser 200 for the NFC communication module 102 by mobile terminal 100, the first safety encipher module 103 of withdrawing the money, a NFC communication module 102 of mobile terminal 100 sends to mobile-payment system 600 for will withdraw the money information and cash dispenser facility information.
Mobile-payment system 600 sends to receiving bank's system 300 for obtain the above-mentioned information and cash dispenser facility information and the conduct request of withdrawing the money of withdrawing the money from mobile terminal 100.Further, mobile-payment system 600 also completes to tell for the module 201 of withdrawing the money at second of cash dispenser 200 and the transaction results of withdrawing the money is sent to after paper money action to first of mobile terminal 100 module 101 of withdrawing the money.
Receiving bank's system 300 is for carrying out validity judgement and withdrawing the money and ask to be transmitted to bankcard association system 400 under the legal prerequisite of the judgement request of withdrawing the money to the request of withdrawing the money, on the other hand, be forwarded to second of cash dispenser 200 module 201 of withdrawing the money when receiving that from bankcard association system 400 withdrawing the money of returning honours to honour withdrawing the money the situation of replying to reply, bankcard association system 400 is for being forwarded to issuing bank's system 500 by the request of withdrawing the money from receiving bank's system 300, and will withdraw the money and honour the receiving bank's system 300 that is forwarded to of replying receiving from issuing bank's system 500 to withdraw the money to honour reply in the situation that.
Issuing bank's system 500 is for judging and return to withdraw the money to honour to bankcard association system 400 and reply the transaction of withdrawing the money.
Wherein, first of mobile terminal 100 withdraw the money module 101 also for bank card account, mobile terminal and mobile-payment system are bound.The information of withdrawing the money here comprises at least one or more in the account of withdrawing the money, the amount of money, trading password.
The method of withdrawing the money based on NFC function of the present invention and the system of withdrawing the money based on NFC function have advantages of following:
(1) there is no traffic limits: holder does not need to withdraw the money business and must carry bank card entity card as handled tradition, can bring the convenience in use to holder;
(2) improved security: can avoid the illegality equipment of being installed by undesirable to steal bank card, or steal bank card password in the time that holder inputs password, can improve security.
Therefore, the method of withdrawing the money based on NFC function of the present invention and the system of withdrawing the money based on NFC function can effectively solve tradition the withdraw the money restriction that entity bank card must be provided of business and the safety problem causing thus, can provide a kind of safety, the mode of withdrawing the money easily based on NFC for holder.
Above example has mainly illustrated the method for withdrawing the money based on NFC function of the present invention and the system of withdrawing the money based on NFC function.Although only some of them the specific embodiment of the present invention is described, those of ordinary skill in the art should understand, and the present invention can implement not departing from its purport and scope with many other forms.Therefore, the example of showing and embodiment are regarded as illustrative and not restrictive, and in the situation that not departing from spirit of the present invention as defined in appended each claim and scope, the present invention may be contained various amendments and replacement.
Claims (20)
1. the method for withdrawing the money based on NFC function, it is the method for carrying out data transmission between the mobile terminal of NFC function and the cash dispenser of NFC function based on NFC and being used for realizing the exchanges data between cash dispenser and receiving bank's system, bankcard association system and issuing bank's system possessing, it is characterized in that, comprise the steps:
The acquisition of information step of withdrawing the money: user is by possessing withdraw the money information and utilize the NFC function that mobile terminal possesses that the information of withdrawing the money is sent to cash dispenser of the acquisition for mobile terminal of NFC function;
In the request of withdrawing the money, send step: cash dispenser is initiated the request of withdrawing the money based on the described information of withdrawing the money to receiving bank's system;
The requests verification of withdrawing the money step: receiving bank's system is carried out validity judgement to the request of withdrawing the money;
The request of withdrawing the money forwards step: receiving bank's system will be withdrawn the money and ask to be transmitted to bankcard association system under the legal prerequisite of request is withdrawn the money in judgement, then by bankcard association system forwards to issuing bank's system;
Withdraw the money and honour response steps: the legitimacy of issuing bank's system verification request of withdrawing the money, and honouring by withdrawing the money after verifying the bankcard association system that sends to of replying;
Withdraw the money to honour and reply forwarding step: bankcard association system will be withdrawn the money and be honoured the receiving bank's system that is forwarded to of replying;
Tell paper money notifying process: receiving bank's system is honoured answer notification cash dispenser and told paper money actuating work to carry out according to withdrawing the money.
2. the method for withdrawing the money based on NFC function as claimed in claim 1, is characterized in that,
Before the described acquisition of information step of withdrawing the money, also possess:
Service fulfillment step: only carry out the binding of bank card account, mobile terminal and mobile-payment system in the time activating the service for the first time.
3. the method for withdrawing the money based on NFC function as claimed in claim 2, is characterized in that, also possesses after telling paper money notifying process described:
The result of withdrawing the money notifying process: the cash dispenser transaction results notice mobile terminal of withdrawing the money.
4. the method for withdrawing the money based on NFC function as described in any one in claim 1～3, is characterized in that,
Withdraw the money in acquisition of information step described, at least one or more the information of withdrawing the money that user withdraws the money in account, the amount of money, trading password in mobile terminal input.
5. the method for withdrawing the money based on NFC function as claimed in claim 4, is characterized in that,
Withdraw the money in result notifying process described, the described mobile terminal result of also withdrawing the money is notified described mobile-payment system.
6. the method for withdrawing the money based on NFC function, it is the method for carrying out data transmission between the mobile terminal of NFC function and the cash dispenser of NFC function based on NFC and being used for realizing the exchanges data between mobile-payment system, cash dispenser, receiving bank's system, bankcard association system and issuing bank's system possessing, it is characterized in that, comprise the steps:
The acquisition of information step of withdrawing the money: user is by possessing withdraw the money information and utilize NFC function that mobile terminal possesses to obtain the cash dispenser facility information of this cash dispenser of the acquisition for mobile terminal of NFC function;
In the request of withdrawing the money, send step: the information of withdrawing the money described in mobile terminal general and cash dispenser facility information are asked by delivering to receiving bank's system on mobile-payment system as withdrawing the money;
The requests verification of withdrawing the money step: receiving bank's system is carried out validity judgement to the request of withdrawing the money;
The request of withdrawing the money forwards step: receiving bank's system will be withdrawn the money and ask to be transmitted to bankcard association system under the legal prerequisite of request is withdrawn the money in judgement, then by bankcard association system forwards to issuing bank's system;
Withdraw the money and honour response steps: the legitimacy of issuing bank's system verification request of withdrawing the money, and honouring by withdrawing the money after verifying the bankcard association system that sends to of replying;
Withdraw the money to honour and reply forwarding step: bankcard association system will be withdrawn the money and be honoured the receiving bank's system that is forwarded to of replying;
Tell paper money notifying process: receiving bank's system is honoured answer notification and carried out and tell paper money actuating work corresponding to the cash dispenser of cash dispenser facility information according to withdrawing the money.
7. the method for withdrawing the money based on NFC function as claimed in claim 6, is characterized in that,
Before the described acquisition of information step of withdrawing the money, also possess:
Service fulfillment step: only carry out the binding of bank card account, mobile terminal and mobile-payment system in the time activating the service for the first time.
8. the method for withdrawing the money based on NFC function as claimed in claim 7, is characterized in that, also possesses after telling paper money notifying process described:
The result of withdrawing the money notifying process: receiving bank's system transaction results notice mobile-payment system of withdrawing the money;
The result of withdrawing the money forwards step: mobile-payment system is by this transaction results notice mobile terminal of withdrawing the money.
9. the method for withdrawing the money based on NFC function as claimed in claim 7, is characterized in that,
Before the described acquisition of information step of withdrawing the money, also possess:
Business-binding step: bank card account, mobile terminal and mobile-payment system are bound.
10. the method for withdrawing the money based on NFC function as described in any one in claim 6～8, is characterized in that,
Withdraw the money in acquisition of information step described, at least one or more the information of withdrawing the money that user withdraws the money in account, the amount of money, trading password in mobile terminal input.
11. 1 kinds of systems of withdrawing the money based on NFC function, is characterized in that, comprising: mobile terminal, mobile-payment system, cash dispenser, receiving bank's system, bankcard association system, issuing bank's system,
Described mobile terminal possesses: for carry out first of the business of withdrawing the money withdraw the money the data communication based on NFC between module, execution and cash dispenser a NFC communication module and carry out the first safety encipher module of safety encipher for the data communication to based on NFC
Described cash dispenser possesses: for carry out withdraw the money process second withdraw the money module, for carrying out the 2nd NFC communication module of the data communication based on NFC between described mobile terminal and carrying out the second safety encipher module of safety encipher for the data communication to based on NFC.
12. systems of withdrawing the money based on NFC function as claimed in claim 11, is characterized in that,
First of described mobile terminal is withdrawn the money module for obtaining the information of withdrawing the money,
The one NFC communication module of described mobile terminal is for sending to the described information of withdrawing the money the 2nd NFC communication module of described cash dispenser;
Second of described cash dispenser is withdrawn the money module for obtaining the request of withdrawing the money from the 2nd NFC communication module of described cash dispenser and this request of withdrawing the money being sent to receiving bank's system, on the other hand, second of the described cash dispenser module of withdrawing the money is told paper money action for honouring according to following withdrawing the money to reply to carry out
Described receiving bank system is for carrying out validity judgement and withdrawing the money and ask to be transmitted to bankcard association system under the legal prerequisite of the judgement request of withdrawing the money to the request of withdrawing the money, on the other hand, be forwarded to second of the cash dispenser module of withdrawing the money when receiving that from described bankcard association system withdrawing the money of returning honours to honour withdrawing the money the situation of replying to reply
Described bankcard association system is for being forwarded to issuing bank's system from the request of withdrawing the money of receiving bank's system, and will withdraw the money and honour the receiving bank's system that is forwarded to of replying receiving from described issuing bank system to withdraw the money to honour reply in the situation that;
Described issuing bank system is for judging and return to withdraw the money to honour to described bankcard association and reply the transaction of withdrawing the money.
13. systems of withdrawing the money based on NFC function as claimed in claim 12, is characterized in that,
First of described mobile terminal is withdrawn the money module for bank card account, mobile terminal and mobile-payment system are bound.
14. systems of withdrawing the money based on NFC function as described in claim 13, is characterized in that,
The described information of withdrawing the money comprises at least one or more in the account of withdrawing the money, the amount of money, trading password.
15. systems of withdrawing the money based on NFC function as described in claim 14, is characterized in that,
Second of described cash dispenser is withdrawn the money module also for the transaction results of withdrawing the money being sent to first of the described mobile terminal module of withdrawing the money by a NFC communication module of the 2nd NFC communication module of described cash dispenser, described mobile terminal completing after withdrawing the money,
First of described mobile terminal is withdrawn the money module also for notifying described mobile-payment system by this transaction results of withdrawing the money.
16. systems of withdrawing the money based on NFC function as claimed in claim 10, is characterized in that,
First of described mobile terminal is withdrawn the money module for obtaining the information of withdrawing the money and obtaining the cash dispenser facility information of described cash dispenser for the NFC communication module by described mobile terminal, the first safety encipher module,
The information of withdrawing the money described in the one NFC communication module of described mobile terminal is used for inciting somebody to action and described cash dispenser facility information send to described mobile-payment system;
Described mobile-payment system is used for sending to receiving bank's system from withdraw the money described in described acquisition for mobile terminal information and described cash dispenser facility information and the conduct request of withdrawing the money,
Described receiving bank system is for carrying out validity judgement and withdrawing the money and ask to be transmitted to bankcard association system under the legal prerequisite of the judgement request of withdrawing the money to the request of withdrawing the money, on the other hand, be forwarded to second of the cash dispenser module of withdrawing the money when receiving that from described bankcard association system withdrawing the money of returning honours to honour withdrawing the money the situation of replying to reply
Described bankcard association system is for being forwarded to issuing bank's system from the request of withdrawing the money of receiving bank's system, and will withdraw the money and honour the receiving bank's system that is forwarded to of replying receiving from described issuing bank system to withdraw the money to honour reply in the situation that;
Described issuing bank system is for the transaction of withdrawing the money is judged and returns to withdraw the money to honour to described bankcard association system and reply, and second of the described cash dispenser module of withdrawing the money is honoured for withdrawing the money described in basis to reply to carry out and told paper money action.
17. systems of withdrawing the money based on NFC function as claimed in claim 16, is characterized in that,
First of described mobile terminal is withdrawn the money module for bank card account, mobile terminal and mobile-payment system are bound.
18. systems of withdrawing the money based on NFC function as described in claim 17, is characterized in that,
The described information of withdrawing the money comprises at least one or more in the account of withdrawing the money, the amount of money, trading password.
19. systems of withdrawing the money based on NFC function as described in claim 15, is characterized in that,
Described mobile-payment system also completes to tell for the module of withdrawing the money at second of described cash dispenser and the transaction results of withdrawing the money is sent to after paper money action to first of the described mobile terminal module of withdrawing the money.
20. 1 kinds of cash dispensers based on NFC function, is characterized in that possessing:
For carrying out second module of withdrawing the money of withdrawing the money and processing;
For carrying out the 2nd NFC communication module of the data communication based on NFC; And
For the data communication based on NFC being carried out to the second safety encipher module of safety encipher.
Priority Applications (4)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201310154671.9A CN104123793B (en) | 2013-04-28 | 2013-04-28 | Money withdrawing system based on NFC function, money withdrawing method of money withdrawing system based on NFC function and money withdrawing machine |
| PCT/CN2014/076208 WO2014177018A1 (en) | 2013-04-28 | 2014-04-25 | Cash withdrawing system based on nfc function and cash withdrawing method therefor, and automatic teller machine |
| TW103115049A TWI578274B (en) | 2013-04-28 | 2014-04-25 | A withdrawing system based on near field communication (NFC) function and its withdrawal method and the teller machine |
| HK15103932.8A HK1203682A1 (en) | 2013-04-28 | 2015-04-23 | Nfc function-based money-withdrawing system, money-withdrawing method and teller machine nfc |
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201310154671.9A CN104123793B (en) | 2013-04-28 | 2013-04-28 | Money withdrawing system based on NFC function, money withdrawing method of money withdrawing system based on NFC function and money withdrawing machine |
Publications (2)
| Publication Number | Publication Date |
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| CN104123793A true CN104123793A (en) | 2014-10-29 |
| CN104123793B CN104123793B (en) | 2017-02-08 |
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| Application Number | Title | Priority Date | Filing Date |
|---|---|---|---|
| CN201310154671.9A Active CN104123793B (en) | 2013-04-28 | 2013-04-28 | Money withdrawing system based on NFC function, money withdrawing method of money withdrawing system based on NFC function and money withdrawing machine |
Country Status (4)
| Country | Link |
|---|---|
| CN (1) | CN104123793B (en) |
| HK (1) | HK1203682A1 (en) |
| TW (1) | TWI578274B (en) |
| WO (1) | WO2014177018A1 (en) |
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| CN104361677A (en) * | 2014-11-07 | 2015-02-18 | 中国建设银行股份有限公司 | Non-contact money withdrawing method and self-service equipment |
| CN104537562A (en) * | 2015-01-12 | 2015-04-22 | 广州广电运通金融电子股份有限公司 | Financial self-service system processing method |
| CN104821050A (en) * | 2015-04-30 | 2015-08-05 | 交通银行股份有限公司 | Method and system for manipulating automatic teller machine |
| WO2016141523A1 (en) * | 2015-03-09 | 2016-09-15 | 华为技术有限公司 | Region prompting method and terminal |
| CN106375938A (en) * | 2016-08-29 | 2017-02-01 | 广州御银自动柜员机科技有限公司 | Short distance wireless communication apparatus for STM machine |
| CN107451808A (en) * | 2016-05-31 | 2017-12-08 | Ncr公司 | Currency purchasing device, system and method |
| CN109377679A (en) * | 2018-09-03 | 2019-02-22 | 深圳壹账通智能科技有限公司 | Withdrawal method and terminal device |
| CN110322244A (en) * | 2019-07-05 | 2019-10-11 | 中国工商银行股份有限公司 | It is a kind of based on the inter-bank of virtual account without card enchashment processing method and processing device |
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| KR101828444B1 (en) * | 2015-09-23 | 2018-02-13 | 주식회사 하렉스인포텍 | System and method for providing automated teller machine service using mobile device |
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| CN110322244A (en) * | 2019-07-05 | 2019-10-11 | 中国工商银行股份有限公司 | It is a kind of based on the inter-bank of virtual account without card enchashment processing method and processing device |
Also Published As
| Publication number | Publication date |
|---|---|
| TWI578274B (en) | 2017-04-11 |
| CN104123793B (en) | 2017-02-08 |
| WO2014177018A1 (en) | 2014-11-06 |
| HK1203682A1 (en) | 2015-10-30 |
| TW201508701A (en) | 2015-03-01 |
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