CN108053220B - A kind of guard method, equipment and storage medium withdrawn the money without card - Google Patents
A kind of guard method, equipment and storage medium withdrawn the money without card Download PDFInfo
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- CN108053220B CN108053220B CN201810027460.1A CN201810027460A CN108053220B CN 108053220 B CN108053220 B CN 108053220B CN 201810027460 A CN201810027460 A CN 201810027460A CN 108053220 B CN108053220 B CN 108053220B
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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
- G06Q20/38—Payment protocols; Details thereof
- G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
- G06Q20/401—Transaction verification
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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
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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]
- G07F19/211—Software architecture within ATMs or in relation to the ATM network
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Abstract
The invention discloses a kind of guard method, equipment and storage mediums withdrawn the money without card; wherein; it is described without card withdraw the money guard method by when receive user submission without card withdrawal request when obtain user current location information, and according to the current location information of user search for periphery preset range in ATM machine；Confirmation command ATM machine to be withdrawn the money and Authority Verification is carried out according to the user's choice later, generated after Authority Verification is logical in display interface and shows the first random transaction code；The location information of user is persistently obtained later, judge whether the distance between user and ATM machine to be withdrawn the money are less than pre-determined distance, if, then generate and show that the second random transaction code, the first random transaction code and the second random transaction code are combined into the dynamic transaction code for withdrawal by default queueing discipline group in display interface.Segmentation automatically generates random transaction code, it is ensured that user just obtains complete dynamic transaction code when close to ATM machine, improves the safety withdrawn the money without card.
Description
Technical field
The present invention relates to electronic technology fields, and in particular to a kind of guard method, equipment and storage medium withdrawn the money without card.
Background technique
People are usually to pass through to carry bank card to ATM machine from the mode of bank's enchashment gold at present, with bank card password into
Row withdrawal operation, but may inevitably meet interim withdrawal but no awkward situation for carrying bank card, therefore more families in recent years
Bank has all opened without card withdrawal function, and the transaction code that user's application can temporarily be sent after withdrawing the money without card by bank backstage carries out
It withdraws the money and operates, it is convenient and efficient.
However there is also certain security risks while providing the user with convenient without card withdrawal, current withdraws the money without card
In operation, bank backstage will send transaction code to user mobile phone, if gone in user after receiving application of withdrawing the money without card immediately
Into the road of ATM machine, the transaction code is obtained by other people, then fund may occur and steal risk, damage user benefit.
Therefore, the existing technology needs to be improved and developed.
Summary of the invention
Place in view of above-mentioned deficiencies of the prior art, the purpose of the present invention is to provide a kind of protection sides to withdraw the money without card
Method, equipment and storage medium can automatically generate random transaction code away from the range segment separating of ATM machine according to user, it is ensured that user is leaning on
Nearly ATM machine Shi Caineng obtains complete withdrawal dynamic transaction code, improves the safety withdrawn the money without card, guarantees the property peace of user
Entirely.
In order to achieve the above object, this invention takes following technical schemes:
A kind of guard method withdrawn the money without card comprising following steps:
When receive user's submission without card withdrawal request when obtain the current location information of user, and according to the user
Current location information search periphery preset range in ATM machine；
Confirmation command ATM machine to be withdrawn the money and Authority Verification is carried out according to the user's choice, aobvious after Authority Verification is logical
Show that interface generates and shows the first random transaction code；
It is default to judge whether the distance between user and ATM machine to be withdrawn the money are less than for the location information for persistently obtaining user
Distance, if so, generating and showing the second random transaction code, the first random transaction code and the second random friendship in display interface
Easy code is combined into the dynamic transaction code for withdrawal by default queueing discipline group.
In the guard method withdrawn the money without card, the first random transaction code or the second random transaction code are to deposit in advance
The numerical ciphers of storage, and the pre-stored numerical ciphers are shown with default substitution character in display interface.
In the guard method withdrawn the money without card, wrapped in the first random transaction code and/or the second random transaction code
Containing the keying that puts in order.
In the guard method withdrawn the money without card, the default row of the first random transaction code and the second random transaction code
Column rule include put in order according to the arrangement of keying carry out sequence, according to the described first random transaction code and second at random
The Digital size of transaction code carries out arrangement or intersects the numerical ciphers in the first random transaction code and the second random transaction code
Arrangement.
In the described guard method withdrawn the money without card, it is described when receive user's submission without card withdrawal request when obtain and use
The current location information at family, and the step of ATM machine in the preset range of periphery is searched for according to the current location information of the user
Include:
Receive user submit without card withdrawal request, the no card withdrawal request includes bank card information to be withdrawn the money, takes
Money time and withdrawal amount；
The current location information for obtaining user is searched in the preset range of periphery according to the current location information of the user
ATM machine；
By the ATM machine in the preset range of periphery by preset order arrangement display, and each is identified between ATM machine and user
Distance.
In the guard method withdrawn the money without card, the confirmation command according to the user's choice ATM machine to be withdrawn the money is simultaneously
Authority Verification is carried out, includes: the step of display interface generates and shows the first random transaction code after Authority Verification is logical
Confirmation command ATM machine to be withdrawn the money according to the user's choice prompts user to input the first verification information and tests
Card；
It is generated if being verified in display interface and shows the first random transaction code, otherwise failed without card withdrawal request.
In the described guard method withdrawn the money without card, the location information for persistently obtaining user, judge user with wait take
Whether the distance between ATM machine of money is less than pre-determined distance, if so, generating in display interface and showing the second random transaction
Code, the first random transaction code and the second random transaction code are combined into the dynamic transaction code for withdrawal by default queueing discipline group
The step of include:
The location information of ATM machine to be withdrawn the money is obtained, and continues to obtain the location information of user；
According to the location information of the location information of ATM machine to be withdrawn the money and user judge user and ATM machine to be withdrawn the money it
Between distance whether be less than pre-determined distance, the second verification information and verified if so, prompt user inputs；
If being verified the second random transaction code, the first random transaction code and are generated and shown in display interface
Two random transaction codes are combined into the dynamic transaction code for withdrawal by default queueing discipline group.
In the guard method withdrawn the money without card, the location information for obtaining ATM machine to be withdrawn the money, and continue to obtain
The step of location information of user includes:
The location information for obtaining ATM machine to be withdrawn the money identifies the ATM to be withdrawn the money on the corresponding position of storing map
Machine；
The location information of user is persistently obtained, and the location information according to user generates simultaneously with the location information to cash dispenser
Show guidance path.
A kind of protection equipment withdrawn the money without card comprising: processor, memory and communication bus；
The computer-readable program that can be executed by the processor is stored on the memory；
The communication bus realizes the connection communication between processor and memory；
The processor is realized in the guard method withdrawn the money as described above without card when executing the computer-readable program
The step of.
A kind of computer readable storage medium, the computer-readable recording medium storage have one or more program,
One or more of programs can be executed by one or more processor, to realize the protection withdrawn the money as described above without card
Step in method.
Compared to the prior art, in the guard method provided by the invention withdrawn the money without card, equipment and storage medium, the nothing
Block withdraw the money guard method by when receive user submission without card withdrawal request when obtain user current location information, and
The ATM machine in the preset range of periphery is searched for according to the current location information of the user；Instruction is true according to the user's choice later
Recognize ATM machine to be withdrawn the money and carry out Authority Verification, generated after Authority Verification is logical in display interface and shows the first random transaction
Code；Later persistently obtain user location information, judge the distance between user and ATM machine to be withdrawn the money whether be less than preset away from
From if so, generating and showing the second random transaction code, the first random transaction code and the second random transaction in display interface
Code is combined into the dynamic transaction code for withdrawal by default queueing discipline group.Can the range segment separating according to user away from ATM machine give birth to automatically
At random transaction code, it is ensured that user is obtaining complete withdrawal dynamic transaction code close to ATM machine Shi Caineng, what raising was withdrawn the money without card
Safety guarantees the property safety of user.
Detailed description of the invention
Fig. 1 is the flow chart of the guard method provided by the invention withdrawn the money without card；
Fig. 2 is the flow chart of step S10 in the guard method provided by the invention withdrawn the money without card；
Fig. 3 is the flow chart of step S20 in the guard method provided by the invention withdrawn the money without card；
Fig. 4 is the flow chart of step S30 in the guard method provided by the invention withdrawn the money without card；
Fig. 5 is the flow chart of step S31 in the guard method provided by the invention withdrawn the money without card；
Fig. 6 is the running environment schematic diagram of the preferred embodiment of protective program of the present invention without card withdrawal；
Fig. 7 is the functional block diagram for the system preferred embodiment that the present invention installs the protective program withdrawn the money without card.
Specific embodiment
There is the disadvantages of risk disposably obtained by other people in view of the occasional trade code withdrawn the money in the prior art without card, this
Invention is designed to provide a kind of guard method, equipment and storage medium without card withdrawal, can according to user away from ATM machine away from
Random transaction code is automatically generated from segmentation, it is ensured that user is obtaining complete withdrawal dynamic transaction code close to ATM machine Shi Caineng, mentions
The safety that height is withdrawn the money without card guarantees the property safety of user.
To make the purpose of the present invention, technical solution and effect clearer, clear and definite, right as follows in conjunction with drawings and embodiments
The present invention is further described.It should be appreciated that described herein, specific examples are only used to explain the present invention, is not used to
Limit the present invention.
Referring to Fig. 1, it is provided by the invention without card withdraw the money guard method the following steps are included:
S10, when receive user's submission without card withdrawal request when obtain the current location information of user, and according to described
ATM machine in the current location information search periphery preset range of user.
In the present embodiment, user can by a variety of intelligent terminal APP submit without card withdrawal request, take the mobile phone as an example, when with
When family needs withdraw the money without card, submission is without card withdrawal request on the Mobile banking APP of corresponding bank, when receiving the request
When, the GPS positioning device of mobile phone is opened, the current location information of user is obtained, is searched according to the current location information of the user
All ATM machine in the preset range of rope periphery can preferably search for the ATM machine within 2 kilometers of circumference based on current location information,
Acquirement cash can be quickly reached convenient for user.Specific search process is referring to Fig. 2, it is provided by the invention without card withdrawal
The flow chart of step S10 in guard method.
As shown in Fig. 2, the step S10 includes:
S11, receive that user submits without card withdrawal request, the no card withdrawal request includes bank card letter to be withdrawn the money
Breath, withdraw the money time and withdrawal amount；
S12, the current location information for obtaining user search for periphery preset range according to the current location information of the user
Interior ATM machine；
S13, by the ATM machine in the preset range of periphery by preset order arrangement display, and identify each ATM machine and user it
Between distance.
In the present embodiment user by Mobile banking APP submit without card withdrawal request, need to be selected when submitting the request to
The bank card of withdrawal, withdraw the money time and withdrawal amount, wherein the time of withdrawing the money can reserve sometime, (such as reservation is when all over the world
3 points of noon withdrawal) or selection withdraw the money immediately, if selection withdraw the money immediately if will setting one withdraw the money limitation the time, such as application at
20 minutes domestic demands are withdrawn the money after function, and otherwise this application failure, user need to apply again.It is opened after receiving no card withdrawal request
The GPS positioning device for opening mobile phone obtains the location information of active user, searches for all ATM machine in the preset range of periphery, described
Preset range is default value, such as 2 kilometers, and certain user can also change manually, such as be set as 500m, to search for from itself
Closer ATM machine.After searching all ATM machine in periphery, by it by preset order arrangement display, such as by distance from closely to remote
It is shown, and identifies the distance between each ATM machine and current phone, user preferably gets away from nearest
The information of ATM machine, convenient for quickly getting cash.
S20, according to the user's choice confirmation command ATM machine to be withdrawn the money simultaneously carry out Authority Verification, after Authority Verification is logical
It is generated in display interface and shows the first random transaction code.
After the ATM machine list for searching for and showing surrounding, user can arbitrarily select an ATM machine to be withdrawn the money as needed,
When wait withdraw the money ATM machine determine after first carry out without card withdraw the money apply Authority Verification, Authority Verification pass through after mobile phone display
Interface generates and shows the first random transaction code, and in the present embodiment, which automatically generates for intelligent terminal, nothing
The random transaction code that bank backstage is sent need to be received by currently used short message mode, reduction is intercepted in transmission process
Risk, improve withdrawal safety.Referring to Fig. 3, it is step S20 in the guard method provided by the invention withdrawn the money without card
Flow chart.
As shown in figure 3, the step S20 includes:
S21, according to the user's choice confirmation command ATM machine to be withdrawn the money prompt user to input the first verification information and go forward side by side
Row verifying；
S22, it is generated if being verified in display interface and shows the first random transaction code, otherwise lost without card withdrawal request
It loses.
In the present embodiment, for the safety for further increasing withdrawal, selects after the ATM machine withdrawn the money in user, first prompt
User inputs the first verification information and verifies, wherein first verification information is preferably preset character password or track
Password, i.e., first carry out first Authority Verification after user has submitted no card withdrawal request and selects ATM machine, prompts user's input the
One verification information, and the first verification information of user's input is compared with the verification information prestored, judge whether unanimously, if unanimously
It is then verified, is generated in the display interface of mobile phone and shows the first random transaction code, if inconsistent, this time is asked without card withdrawal
Ask failure, first carry out withdrawal Authority Verification before generating the first random transaction code, guarantee be currently bank card holder into
Row is withdrawn the money without card applies for operation, protects the property safety of user.
S30, the location information for persistently obtaining user, judge whether the distance between user and ATM machine to be withdrawn the money are less than
Pre-determined distance, if so, generate and show the second random transaction code in display interface, the first random transaction code and second with
Machine transaction code is combined into the dynamic transaction code for withdrawal by default queueing discipline group.
After first Authority Verification passes through and generates the first random transaction code, the GPS positioning device of mobile phone is kept to continue
Open, persistently obtain user location information, judge the distance between user and ATM machine to be withdrawn the money whether be less than preset away from
From, specifically, can according to user submit withdraw the money the time control obtain user location information beginning thing, for example, if with
Family reservation is sometime withdrawn the money, then the preset time before the time reaches carries out position detection, such as reserves at 3 points in afternoon
It withdraws the money, closes positioning function when distance withdraws the money the time farther out, be then turned on automatic positioning when 2 thirty in the afternoon, obtain position in real time
Confidence breath starts to obtain location information in real time after applying successfully, thus guaranteeing successfully if user's selection is withdrawn the money immediately
While obtaining location information also system power dissipation can be utmostly saved according to withdrawal situation.
When whether user is less than pre-determined distance with the distance between the ATM machine wait withdraw the money, such as pre-determined distance is 100m,
Then illustrate that user is up at ATM machine, generate and show the second random transaction code in the display interface of mobile phone at this time, equally should
Second random transaction code automatically generates for intelligent terminal, avoids passing through short message reception, and the first random transaction code and second
Random transaction code is combined into the dynamic transaction code for withdrawal by default queueing discipline group.User can advise according to the arrangement being arranged in advance
The first random transaction code and the second random transaction code are then combined, the dynamic transaction code for withdrawal, such as dynamic can be obtained
The queueing discipline of transaction code is the first random transaction code of random transaction code+the second, perhaps the sequence of both exchanges or interspersed row
Column, particular user can be arranged according to self-demand, and after generating the second random transaction code, bank backstage obtains the first random friendship
Easy code and the second random transaction code are wait verifying of withdrawing the money.
Random transaction code is automatically generated away from the range segment separating of ATM machine by user, can ensure that user when close to ATM machine
The dynamic transaction code completely for withdrawal can be obtained, and random transaction code is that terminal automatically generates twice, is avoided passing through short
The leakage of transaction code caused by letter receives, while dynamic transaction code being split and generates the first random transaction code and the second random transaction
Code, only knows that the user of queueing discipline can just obtain correct dynamic transaction code, even if other people have stolen random friendship twice
Easy code can not also obtain final dynamic transaction code, substantially increase the privacy of withdrawal.Referring to Fig. 4, it is mentioned for the present invention
The flow chart of step S30 in the guard method withdrawn the money without card supplied.
As shown in figure 4, the step S30 includes:
S31, the location information for obtaining ATM machine to be withdrawn the money, and continue to obtain the location information of user；
S32, user and ATM to be withdrawn the money are judged according to the location information of ATM machine to be withdrawn the money and the location information of user
Whether the distance between machine is less than pre-determined distance, if so, prompt user inputs the second verification information and verifies；
S33, in display interface the second random transaction code, the first random transaction code are generated and shown if being verified
The dynamic transaction code for withdrawal is combined by default queueing discipline group with the second random transaction code.
In the present embodiment, after having selected ATM machine to be withdrawn the money, GPS positioning device is opened, the position of the ATM machine is obtained
Information, and continue to obtain the location information of user, two are judged according to the position of ATM machine to be withdrawn the money and the position of user later
Whether the distance between person is less than pre-determined distance, if so, prompting user's input at this time to further increase the safety of withdrawal
Second verification information is simultaneously verified, wherein second verification information is preferably characteristics of human body's information of the preparatory typing of user,
Such as fingerprint characteristic, face characteristic or iris feature etc., and by the second verification information of user's input and the verifying that prestores
Information comparison judges whether unanimously, to be verified if consistent, generates in the display interface of mobile phone and shows the second random transaction
Code, if inconsistent, do not generate the second random transaction code, i.e., can not get final dynamic transaction code.ATM is reached in user
When at machine, characteristics of human body's Information Authentication is carried out again, it is ensured that is user by carry out withdrawal operation, is avoided them logical
Verifying is crossed to steal dynamic transaction code.Referring to Fig. 5, it is step in the guard method provided by the invention withdrawn the money without card
The flow chart of S31.
As shown in figure 5, the step S31 includes:
S301, the location information for obtaining ATM machine to be withdrawn the money, it is to be withdrawn the money on the corresponding position of storing map to identify this
ATM machine；
S302, the location information for persistently obtaining user, and the location information according to user and the location information to cash dispenser
It generates and shows guidance path.
In the present embodiment, is obtaining after the location information for ATM machine of withdrawing the money, carried out on the corresponding position of storing map
Mark so that user knows the general location of the ATM machine, and persistently obtains the location information of user and is believed according to the position of user
Breath generates and shows guidance path with destination, that is, ATM machine position, avoids changing ATM due to user's not familiar route to find
Machine delays withdrawal.
Preferably, in the preferred embodiment of the present invention, the first random transaction code or the second random transaction code are to deposit in advance
The numerical ciphers of storage, and the pre-stored numerical ciphers are shown with default substitution character in display interface, i.e. user can be pre-
If a numerical ciphers are as the first random transaction code or the second random transaction code, in the generation and display for carrying out random transaction code
When, the numerical ciphers and without display but are shown with the default substitution character such as such as asterisk " * " or pound sign " # ", are kept away
Exempt from other people to peep or be intercepted, since the numerical ciphers are what user prestored, specific character is only known to user, to further increase
The privacy and safety of dynamic transaction code.
It further, include the keying that puts in order in the described first random transaction code and/or the second random transaction code, i.e.,
In the first random transaction code and the second random transaction code, at least one contains sequence keying, that is to say, that first
It is only partially the number of composition dynamic transaction code in all numbers of random transaction code and the second random transaction code, and remaining
Part is then sequence keying, and user can obtain final dynamic transaction code according to sequence keying and other numbers, and right
For other people, sequence keying and other numbers have no the similarities and differences, can effectively improve the safety of random transaction code.
Specifically, when carrying out the permutation and combination of the first random transaction code and the second random transaction code, it may include Duo Zhongfang
The arrangement mode of the first random transaction code and the second random transaction code can be arranged in formula, user in Mobile banking APP in advance, with
To the final dynamic transaction code for withdrawal, the default arrangement of the specific first random transaction code and the second random transaction code
Rule include at least put in order according to the arrangement of keying carry out sequence, according to the described first random transaction code and second with
The Digital size of machine transaction code carries out arrangement or hands over the numerical ciphers in the first random transaction code and the second random transaction code
Fork arranges these three queueing disciplines,
For example, when default queueing discipline is to put in order keying progress sequence arrangement according to, it is random with first
Comprising the code that puts in order in transaction code, for final dynamic transaction code is 6, in hand after the first Authority Verification of user passes through
Machine display interface first generates and shows the first random transaction code, and wherein two digits are sequence keying, particular transactions code and suitable
The setting rule user of sequence keying can preset in advance, such as generate " 1524 ", indicating the 2nd be the 1, the 4th is 5, is worked as later
When within user distance ATM machine 100m, the second random transaction code is generated and shown in display interface of mobile phone, can be defaulted as in order
It has been shown that, such as display " 2657 ", then the dynamic transaction code of this time is 216557, and bank backstage obtains the complete dynamic transaction at this time
Code effectively obscures real transaction by sequence keying so that wait verifying of withdrawing the money, user withdraws the money by the random transaction code
Other people are stolen transaction code and bring fuzzy message, substantially increase the safety of transaction code by code.
When default queueing discipline is to be carried out according to the Digital size of the described first random transaction code and the second random transaction code
When arrangement, after generating and showing the first random transaction code and the second random transaction code, wherein all numerical ciphers are pressed
Digital size is from small to large or the dynamic transaction code for withdrawal can be obtained in descending order arrangement.
When default queueing discipline be by the numerical ciphers cross arrangement in the first random transaction code and the second random transaction code,
After generating and showing the first random transaction code and the second random transaction code, with the first random transaction code formerly or second with
Numerical ciphers cross arrangement in the two is obtained the dynamic transaction code for withdrawal by the first sequence of machine transaction code, such as when
Preceding first random transaction code be 142, the second random transaction code be 539, by taking the first random transaction code is first as an example, will by first with
Numerical ciphers cross arrangement in machine transaction code and the second random transaction code is used for this to get to 154329 this dynamic transaction code
It is secondary to withdraw the money without card.
As shown in fig. 6, based on it is above-mentioned without card withdraw the money guard method, the present invention further correspondingly provide it is a kind of without card withdrawal
Protect equipment, it is described without card withdrawal protection equipment can be mobile terminal, desktop PC, notebook, palm PC and
Server etc. calculates equipment.This includes processor 10, memory 20 and display 30 without the protection equipment that card is withdrawn the money.Fig. 6 only shows
Go out the members for the protection equipment withdrawn the money without card, it should be understood that be not required for implementing all components shown, it can
With the implementation of substitution is more or less component.
The memory 20 can be the internal storage unit of the protection equipment withdrawn the money without card in some embodiments,
Such as the hard disk or memory for the protection equipment withdrawn the money without card.The memory 20 is also possible to the nothing in further embodiments
Block the plug-in type hard disk being equipped on the External memory equipment for the protection equipment withdrawn the money, such as the protection equipment withdrawn the money without card,
Intelligent memory card (Smart Media Card, SMC), secure digital (Secure Digital, SD) card, flash card (Flash
Card) etc..Further, the memory 20 can also both include institute without card withdrawal protection equipment internal storage unit or
Including External memory equipment.The memory 20 be used for store be installed on it is described without card withdrawal protection equipment application software and
Various types of data, such as the program code etc. for installing the protection equipment withdrawn the money without card.The memory 20 can be also used for temporarily
When store the data that has exported or will export.In one embodiment, the guarantor to withdraw the money without card is stored on memory 20
Program 40 is protected, this can be performed by processor 10, to realize the nothing of each embodiment of the application without the protective program 40 that card is withdrawn the money
Block the guard method withdrawn the money.
The processor 10 can be in some embodiments a central processing unit (Central Processing Unit,
CPU), microprocessor or other data processing chips, for running the program code stored in the memory 20 or processing number
According to, such as execute the guard method etc. withdrawn the money without card.
The display 30 can be light-emitting diode display, liquid crystal display, touch-control liquid crystal display in some embodiments
And OLED(Organic Light-Emitting Diode, Organic Light Emitting Diode) touch device etc..The display 30 is used
In the information for being shown in the protection equipment withdrawn the money without card and for showing visual user interface, such as random transaction
Code generates interface etc..The component 10-30 of the protection equipment withdrawn the money without card is in communication with each other by system bus.
In one embodiment, when processor 10 execute in the memory 20 without card withdraw the money protective program 40 when realize with
Lower step:
When receive user's submission without card withdrawal request when obtain the current location information of user, and according to the user
Current location information search periphery preset range in ATM machine；
Confirmation command ATM machine to be withdrawn the money and Authority Verification is carried out according to the user's choice, aobvious after Authority Verification is logical
Show that interface generates and shows the first random transaction code；
It is default to judge whether the distance between user and ATM machine to be withdrawn the money are less than for the location information for persistently obtaining user
Distance, if so, generating and showing the second random transaction code, the first random transaction code and the second random friendship in display interface
Easy code is combined into the dynamic transaction code for withdrawal by default queueing discipline group.
The first random transaction code or the second random transaction code are pre-stored numerical ciphers, and display interface with
Default substitution character shows the pre-stored numerical ciphers.
Include the keying that puts in order in the first random transaction code and/or the second random transaction code.
The default queueing discipline of the first random transaction code and the second random transaction code includes putting in order according to
The arrangement of keying carry out sequence, according to the Digital size of the described first random transaction code and the second random transaction code carry out arrangement or
Person is by the numerical ciphers cross arrangement in the first random transaction code and the second random transaction code.
Further, described to receive asking without card withdrawal for user's submission in the protection equipment withdrawn the money without card
The current location information of user is obtained when asking, and is searched in the preset range of periphery according to the current location information of the user
The step of ATM machine includes:
Receive user submit without card withdrawal request, the no card withdrawal request includes bank card information to be withdrawn the money, takes
Money time and withdrawal amount；
The current location information for obtaining user is searched in the preset range of periphery according to the current location information of the user
ATM machine；
By the ATM machine in the preset range of periphery by preset order arrangement display, and each is identified between ATM machine and user
Distance.
The confirmation command according to the user's choice ATM machine to be withdrawn the money generates in display interface and shows that first is random
The step of transaction code includes:
Confirmation command ATM machine to be withdrawn the money according to the user's choice prompts user to input the first verification information and tests
Card；
It is generated if being verified in display interface and shows the first random transaction code, otherwise failed without card withdrawal request.
First verification information is preset character password or track password.
The location information for persistently obtaining user, judges whether the distance between user and ATM machine to be withdrawn the money are less than
Pre-determined distance, if so, generate and show the second random transaction code in display interface, the first random transaction code and second with
Machine transaction code is combined into the step of dynamic transaction code for withdrawal by default queueing discipline group and includes:
The location information of ATM machine to be withdrawn the money is obtained, and continues to obtain the location information of user；
According to the location information of the location information of ATM machine to be withdrawn the money and user judge user and ATM machine to be withdrawn the money it
Between distance whether be less than pre-determined distance, the second verification information and verified if so, prompt user inputs；
If being verified the second random transaction code, the first random transaction code and are generated and shown in display interface
Two random transaction codes are combined into the dynamic transaction code for withdrawal by default queueing discipline group.
Second verification information is characteristics of human body's information of the preparatory typing of user.
The location information for obtaining ATM machine to be withdrawn the money, and the step of continuing the location information of acquisition user includes:
The location information for obtaining ATM machine to be withdrawn the money identifies the ATM to be withdrawn the money on the corresponding position of storing map
Machine；
The location information of user is persistently obtained, and the location information according to user generates simultaneously with the location information to cash dispenser
Show guidance path.
Referring to Fig. 7, the functional module of its system preferred embodiment for installing the protective program withdrawn the money without card for the present invention
Figure.In the present embodiment, the system for installing the protective program withdrawn the money without card can be divided into one or more modules, and described one
A or multiple modules are stored in the memory 20, and (the present embodiment is the processing by one or more processors
Device 10) it is performed, to complete the present invention.For example, the system for installing the protective program withdrawn the money without card can be divided in Fig. 7
At search module 21, generation module 22 and judge protective module 23.The so-called module of the present invention is to refer to complete specific function
Series of computation machine program instruction section, than program more suitable for describe it is described without card withdrawal protective program taken in the no card
Implementation procedure in the protection equipment of money.The function of the module 21-23 will specifically be introduced by being described below.
Search module 21, for receive user submission without card withdrawal request when obtain user current location information,
And the ATM machine in the preset range of periphery is searched for according to the current location information of the user；
Generation module 22, the ATM machine to be withdrawn the money for confirmation command according to the user's choice simultaneously carry out Authority Verification, hold power
It is generated after limit verifying is logical in display interface and shows the first random transaction code；
Judge protective module 23, for persistently obtaining the location information of user, judges between user and ATM machine to be withdrawn the money
Distance whether be less than pre-determined distance, if so, generating and showing the second random transaction code in display interface, described first is random
Transaction code and the second random transaction code are combined into the dynamic transaction code for withdrawal by default queueing discipline group.
Wherein, the described first random transaction code or the second random transaction code are pre-stored numerical ciphers, and are being shown
Interface shows the pre-stored numerical ciphers with default substitution character.
Include the keying that puts in order in the first random transaction code and/or the second random transaction code.
The default queueing discipline of the first random transaction code and the second random transaction code includes putting in order according to
The arrangement of keying carry out sequence, according to the Digital size of the described first random transaction code and the second random transaction code carry out arrangement or
Person is by the numerical ciphers cross arrangement in the first random transaction code and the second random transaction code.
Described search module 21 includes:
Receiving unit, for receive user submission without card withdrawal request, the no card withdrawal request includes to be withdrawn the money
Bank card information, withdraw the money time and withdrawal amount；
Search unit searches for week according to the current location information of the user for obtaining the current location information of user
ATM machine in the preset range of side；
Display unit is arranged, for showing the ATM machine in the preset range of periphery by preset order arrangement, and identifies each
The distance between ATM machine and user.
The generation module 22 includes:
Prompt unit, the ATM machine to be withdrawn the money for confirmation command according to the user's choice prompt the first verifying of user's input
Information is simultaneously verified；
First generation unit, for being generated if being verified in display interface and showing the first random transaction code, otherwise
No card withdrawal request failure.
First verification information is preset character password or track password.
The judgement protective module 23 includes:
Acquiring unit for obtaining the location information of ATM machine to be withdrawn the money, and continues to obtain the location information of user；
Judging unit, for according to the location information of the location information of ATM machine to be withdrawn the money and user judge user and to
Whether the distance between ATM machine of withdrawal is less than pre-determined distance, if so, prompt user inputs the second verification information and tests
Card；
Second generation unit, it is described for generating and showing the second random transaction code in display interface if being verified
First random transaction code and the second random transaction code are combined into the dynamic transaction code for withdrawal by default queueing discipline group.
Second verification information is characteristics of human body's information of the preparatory typing of user.
The acquiring unit includes:
Mark subelement is obtained, for obtaining the location information of ATM machine to be withdrawn the money, on the corresponding position of storing map
Identify the ATM machine to be withdrawn the money；
Navigate subelement, for persistently obtaining the location information of user, and according to the location information of user and to cash dispenser
Location information generate and show guidance path.
In conclusion in the guard method provided by the invention withdrawn the money without card, equipment and storage medium, it is described to withdraw the money without card
Guard method by when receive user's submission without card withdrawal request when obtain the current location information of user, and according to institute
State the ATM machine in the current location information search periphery preset range of user；Confirmation command waits taking according to the user's choice later
The ATM machine of money simultaneously carries out Authority Verification, generates after Authority Verification is logical in display interface and shows the first random transaction code；Later
The location information for persistently obtaining user, judges whether the distance between user and ATM machine to be withdrawn the money are less than pre-determined distance, if
It is then to generate and show that the second random transaction code, the first random transaction code and the second random transaction code are pressed in display interface
Default queueing discipline group is combined into the dynamic transaction code for withdrawal.It can be automatically generated according to the range segment separating of user distance ATM machine
Random transaction code, it is ensured that user is obtaining complete withdrawal dynamic transaction code close to ATM machine Shi Caineng, improves the peace withdrawn the money without card
Quan Xing guarantees the property safety of user.
Certainly, those of ordinary skill in the art will appreciate that realizing all or part of the process in above-described embodiment method,
It is that related hardware (such as processor, controller etc.) can be instructed to complete by computer program, the program can store
In a computer-readable storage medium, which may include the process such as above-mentioned each method embodiment when being executed.Its
Described in storage medium can be for memory, magnetic disk, CD etc..
It should be understood that the application of the present invention is not limited to the above for those of ordinary skills can
With improvement or transformation based on the above description, all these modifications and variations all should belong to the guarantor of appended claims of the present invention
Protect range.
Claims (10)
1. a kind of guard method withdrawn the money without card, which comprises the steps of:
When receive user's submission without card withdrawal request when obtain the current location information of user, and working as according to the user
ATM machine in the preset range of front position information search periphery；
Confirmation command ATM machine to be withdrawn the money and Authority Verification is carried out according to the user's choice, in mobile phone after permission is verified
Display interface generates and shows the first random transaction code；
The location information for persistently obtaining user, judges whether the distance between user and ATM machine to be withdrawn the money are less than pre-determined distance,
If so, generating and showing the second random transaction code, the first random transaction code and the second random friendship in display interface of mobile phone
Easy code is combined into the dynamic transaction code for withdrawal by default queueing discipline group.
2. the guard method according to claim 1 withdrawn the money without card, which is characterized in that the first random transaction code or the
Two random transaction codes are pre-stored numerical ciphers, and are shown and described deposited in advance with default substitution character in display interface of mobile phone
The numerical ciphers of storage.
3. the guard method according to claim 1 or 2 withdrawn the money without card, which is characterized in that the first random transaction code
And/or second include the keying that puts in order in random transaction code.
4. the guard method according to claim 3 withdrawn the money without card, which is characterized in that the first random transaction code and the
The default queueing discipline of two random transaction codes include put in order according to the arrangement of keying carry out sequence, according to described first
The Digital size of random transaction code and the second random transaction code carries out arrangement or hands over the first random transaction code and second at random
Numerical ciphers cross arrangement in easy code.
5. the guard method according to claim 1 withdrawn the money without card, which is characterized in that described to receive what user submitted
The current location information of user is obtained when no card withdrawal request, and periphery is searched for according to the current location information of the user and is preset
The step of ATM machine in range includes:
Receive that user submits without card withdrawal request, when the no card withdrawal request includes bank card information wait withdraw the money, withdraws the money
Between and withdrawal amount；
The current location information for obtaining user searches for the ATM in the preset range of periphery according to the current location information of the user
Machine；
By the ATM machine in the preset range of periphery by preset order arrangement display, and identify each between ATM machine and user away from
From.
6. the guard method according to claim 1 withdrawn the money without card, which is characterized in that described to instruct according to the user's choice
Confirm ATM machine to be withdrawn the money and carry out Authority Verification, is generated after permission is verified in display interface of mobile phone and show first
The step of random transaction code includes:
Confirmation command ATM machine to be withdrawn the money according to the user's choice prompts user to input the first verification information and verifies；
It is generated if being verified in display interface of mobile phone and shows the first random transaction code, otherwise failed without card withdrawal request.
7. the guard method according to claim 1 withdrawn the money without card, which is characterized in that the position for persistently obtaining user
Information, judges whether the distance between user and ATM machine to be withdrawn the money are less than pre-determined distance, if so, in display interface of mobile phone
Generate and show that the second random transaction code, the first random transaction code and the second random transaction code press default queueing discipline combination
Include: for the step of dynamic transaction code for withdrawal
The location information of ATM machine to be withdrawn the money is obtained, and continues to obtain the location information of user；
Judged between user and ATM machine to be withdrawn the money according to the location information of the location information of ATM machine to be withdrawn the money and user
Whether distance is less than pre-determined distance, if so, prompt user inputs the second verification information and verifies；
If being verified the second random transaction code, the first random transaction code and are generated and shown in display interface of mobile phone
Two random transaction codes are combined into the dynamic transaction code for withdrawal by default queueing discipline group.
8. the guard method according to claim 7 withdrawn the money without card, which is characterized in that described to obtain ATM machine to be withdrawn the money
Location information, and continue obtain user location information the step of include:
The location information for obtaining ATM machine to be withdrawn the money identifies the ATM machine to be withdrawn the money on the corresponding position of storing map；
The location information of user is persistently obtained, and the location information according to user is generated and shown with the location information to cash dispenser
Guidance path.
9. a kind of protection equipment withdrawn the money without card characterized by comprising processor, memory and communication bus；
The computer-readable program that can be executed by the processor is stored on the memory；
The communication bus realizes the connection communication between processor and memory；
The processor realizes withdrawing the money as described in claim 1-8 any one without card when executing the computer-readable program
Guard method in step.
10. a kind of computer readable storage medium, which is characterized in that the computer-readable recording medium storage have one or
Multiple programs, one or more of programs can be executed by one or more processor, to realize that claim 1-8 such as appoints
The step in guard method withdrawn the money described in meaning one without card.
Priority Applications (2)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201810027460.1A CN108053220B (en) | 2018-01-11 | 2018-01-11 | A kind of guard method, equipment and storage medium withdrawn the money without card |
| PCT/CN2018/084546 WO2019136881A1 (en) | 2018-01-11 | 2018-04-26 | Protection method and apparatus for cardless withdrawal and storage medium |
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201810027460.1A CN108053220B (en) | 2018-01-11 | 2018-01-11 | A kind of guard method, equipment and storage medium withdrawn the money without card |
Publications (2)
| Publication Number | Publication Date |
|---|---|
| CN108053220A CN108053220A (en) | 2018-05-18 |
| CN108053220B true CN108053220B (en) | 2019-07-02 |
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| Application Number | Title | Priority Date | Filing Date |
|---|---|---|---|
| CN201810027460.1A Active CN108053220B (en) | 2018-01-11 | 2018-01-11 | A kind of guard method, equipment and storage medium withdrawn the money without card |
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| Country | Link |
|---|---|
| CN (1) | CN108053220B (en) |
| WO (1) | WO2019136881A1 (en) |
Cited By (1)
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| US11568419B1 (en) | 2020-12-17 | 2023-01-31 | Wells Fargo Bank, N.A. | Computer-based system for determining dynamic financial transaction parameters |
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| CN111985913A (en) * | 2019-05-24 | 2020-11-24 | 上海箩箕技术有限公司 | Card-free transaction method and device and server |
| TWI711994B (en) * | 2019-07-24 | 2020-12-01 | 臺灣銀行股份有限公司 | Method of applying global positioning system in cardless withdrawal business |
| CN111325538B (en) * | 2020-02-19 | 2023-06-23 | 福建瑞达精工股份有限公司 | Payment method based on blockchain digital currency and digital watch payment system |
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| CN106605253A (en) * | 2014-07-21 | 2017-04-26 | 贝宝公司 | Secure cardless cash withdrawal |
| CN105096111A (en) * | 2015-08-31 | 2015-11-25 | 宇龙计算机通信科技(深圳)有限公司 | No-card account transfer or withdrawal protection method and mobile phone system |
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|---|---|
| CN108053220A (en) | 2018-05-18 |
| WO2019136881A1 (en) | 2019-07-18 |
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