TWM584490U - Cardless withdrawal system - Google Patents

Abstract

An automatic push-pull cardless cash withdrawal system includes multiple automatic teller machines, a teller server, multiple signal transmitters, a portable electronic device, a mobile bank server, and a bank center host. The portable electronic device sends the withdrawal amount and the ATM designated instruction to the mobile bank server. The mobile bank server generates an appointment data. When receiving the broadcast data broadcasted by the signal transmitter, the portable electronic device sends a trigger notification to the mobile bank server. The mobile bank server sends a cardless withdrawal notice to the ATM as a target ATM. When the target teller machine receives the withdrawal information input by the customer, and after comparing the cardless withdrawal notice with the withdrawal information, the target teller machine spit out a banknote that matches the withdrawal amount.

Description

Cardless withdrawal system

The present invention relates to a cardless cash withdrawal system, in particular to a cardless cash withdrawal system involving positioning technology.

At present, the cardless withdrawal service provided by some banking industries confirms the identity of the withdrawal by identifying biometric values (such as finger veins, palm veins or facial recognition), and provides cardless withdrawal after passing the aforementioned identity verification. service. However, in this mode, it is necessary to install special equipment required for identifying biometric values on the ATM machine, resulting in the disadvantages of high construction cost and high technical difficulty, and it is necessary to collect biometric values of customers in advance.

Therefore, the object of the present invention is to provide a cardless cash withdrawal system which can improve the disadvantages of the foregoing prior art.

Therefore, the new cardless cash withdrawal system includes multiple automatic teller machines, a teller machine server, multiple signal transmitters, a portable electronic device, a mobile bank server, and a bank center host.

The ATM server is electrically connected to the ATMs. The signal transmitters are respectively arranged near the ATMs. Each signal transmitter stores a transmitter identification data and broadcasts a broadcast data, the broadcast data includes the transmitter identification data.

The portable electronic device is used by a customer for operation, and stores a device identification data, and when one of the signal transmitters is adjacent, the portable electronic device can establish a communication link with the signal transmitter adjacent to Receiving the broadcast information broadcast by the signal transmitter.

The mobile bank server is electrically connected to the portable electronic device and the ATMs, and stores a customer data corresponding to the customer, a plurality of ATM identification data respectively corresponding to the ATMs, and the signal transmissions Transmitter's identification data, and each ATM identification data corresponds to the transmitter identification data of the corresponding signal transmitter near the ATM, and the customer data contains the identity identification data, the The device identification information of the portable electronic device, a bank account number corresponding to the customer, a mobile bank login password, and a cardless withdrawal password.

The host of the bank center is electrically connected to the ATMs and stores the bank account number and a balance corresponding to the customer.

The portable electronic device uses the identity information and the mobile bank login password to log in to the mobile bank server according to the operation of the customer, and sends a withdrawal amount and a number related to one of the teller machine identification data. The ATM assigns instructions to the mobile bank server.

When the mobile bank server receives the withdrawal amount and the ATM designation instruction, the mobile bank server generates an appointment data, the appointment data contains the identification information corresponding to the customer, and the bank account number corresponding to the customer , The withdrawal amount, the device identification information and the transmitter identification information corresponding to the ATM identification information related to the ATM designation instruction.

When the portable electronic device receives the broadcast data broadcast by one of the signal transmitters, the portable electronic device sends a trigger notification to the mobile bank server, the trigger notification including the transmission of the broadcast data Device identification data and the device identification data.

When the mobile bank server judges that the transmitter identification data and the device identification data of the trigger notification respectively match the transmitter identification data and the device identification data of the appointment data stored by the mobile bank server, the mobile bank server The device sends a card-free withdrawal notification to the booking information, the transmitter identification information corresponding to the ATM identification information and the ATM as a target ATM, the card-free withdrawal notification contains the identity identification information, the Card withdrawal password, the bank account number and the withdrawal amount.

When the target teller machine receives a withdrawal data input by the customer and contains a to-be-verified identity identification data, a card-free withdrawal password to be verified, and a withdrawal amount to be verified, the target teller machine transmits the withdrawal data To the ATM server, and send the identification information of the cardless withdrawal notice, the cardless withdrawal password and the withdrawal amount to the ATM server as verification information.

When the ATM server judges the to-be-verified identity identification information of the withdrawal information, the to-be-verified withdrawal card password and the to-be-verified withdrawal amount, the identity identification information of the verification information, and the non-card withdrawal password, respectively In accordance with the withdrawal amount, the ATM server sends a verification pass notification to the target ATM.

When the target teller machine receives the verification pass notification, the target teller machine sends a debit notification to the bank center host, and the debit notification includes the bank account number and the withdrawal amount.

When the host of the bank center judges that the withdrawal amount is not greater than the balance, the host of the bank center deducts the balance from the withdrawal amount, and sends a successful notification of the deduction to the target teller machine.

When the target teller machine receives the notification of the successful debit, the target teller machine spit out a banknote that matches the withdrawal amount.

In some implementation aspects, each ATM stores the corresponding ATM identification information, and the card-free withdrawal notice further includes the ATM identification information corresponding to the transmitter identification information of the appointment information, and when the target ATM receives the Withdrawal information, the target ATM also transmits the ATM identification data and the ATM identification information contained in the card-free withdrawal notice to the ATM server.

When the ATM server judges the to-be-verified identity identification information of the withdrawal information, the to-be-verified withdrawal card password and the to-be-verified withdrawal amount, the identity identification information of the verification information, and the non-card withdrawal password, respectively And the withdrawal amount matches, and the ATM identification data stored by the target ATM matches the ATM identification information of the cardless withdrawal notice, the ATM server sends the verification to the target ATM via the notification.

In some implementations, the device identification data is generated by a mobile banking application installed on the portable electronic device.

In some implementation aspects, when the portable electronic device receives the broadcast data broadcast by one of the signal transmitters, the portable electronic device first determines whether the portable electronic device is based on the broadcast data. The distance between the signal transmitter and the signal transmitter is within a predetermined distance for a predetermined period of time, and when the portable electronic device determines that the distance between the portable electronic device and the signal transmitter is within the predetermined period of time Within the range, the portable electronic device sends the trigger notification to the mobile bank server.

The effect of the new model is that the mobile bank server generates the reservation data when it receives the withdrawal amount and the designated instruction of the teller machine, which allows the customer to make an appointment in advance through the portable electronic device. How much money the ATM withdraws, and with the cooperation of the signal transmitter, the portable electronic device and the mobile bank server, it can detect whether the portable electronic device is near the target ATM and borrow The cooperation between the target teller machine, the teller machine server, the mobile bank server and the bank central host enables the customer to complete the cardless withdrawal by simply performing a simple operation on the target teller machine, thereby achieving the establishment The effect of low cost and low technical difficulty, and there is no need to collect biometric values of customers in advance as in the prior art.

Before the new model is described in detail, it should be noted that in the following description, similar elements are represented by the same number.

Referring to FIG. 1, a first embodiment of the new automatic push-pull cardless cash withdrawal system 100 includes a plurality of automatic teller machines 1, a teller machine server 2, a plurality of signal transmitters 3, a portable electronic device 4, A mobile bank server 5 and a banking center host 6.

Each ATM 1 stores a piece of ATM identification information (such as a device serial number). The ATM server 2 is electrically connected to the ATMs 1 through a communication network 200 and can communicate with the ATMs 1.

The signal transmitters 3 are respectively disposed near the ATMs 1, and each signal transmitter 3 stores a transmitter identification data (such as a device serial number) and broadcasts a broadcast data, the broadcast data includes the transmitter identification data. In this embodiment, each signal transmitter 3 is a Beacon transmitter.

The portable electronic device 4 is used by a customer for operation, and stores a device identification data, and when one of the signal transmitters 3 is adjacent, the portable electronic device 4 can communicate with the adjacent signal transmitter 3 A communication link is established to receive the broadcast data broadcast by the signal transmitter 3. In this embodiment, the portable electronic device 4 is a smart phone and a mobile banking application is installed, the device identification data is generated by the mobile banking application installed on the portable electronic device 4, and When the portable electronic device 4 receives the broadcast data, the portable electronic device 4 automatically launches the mobile banking application according to the UUID included in the broadcast data and corresponds to the mobile banking application to execute the new type of related Steps of the portable electronic device 4.

The mobile bank server 5 is electrically connected to the portable electronic device 4 and the ATMs 1 via the communication network 200, and stores a customer data corresponding to the customer and the ATMs corresponding to the ATMs 1 Identification data, and transmitter identification data of the signal transmitters 3, and each teller machine identification data corresponds to the corresponding transmitter identification data of the signal transmitter 3 near the corresponding ATM 1, and the customer data includes a Identification information corresponding to the customer (such as an identification number), the device identification information of the portable electronic device 4, a bank account number corresponding to the customer, a mobile bank login password, and a cardless withdrawal password .

The bank center host 6 is electrically connected to the ATMs via the communication network 200, and stores the bank account number and a balance corresponding to the customer.

Referring to FIG. 1 and FIG. 2, the flow of the control method of the novel cardless cash withdrawal system 100 is described below. First, as shown in step S01, according to the operation of the customer, the portable electronic device 4 logs in to the mobile bank server 5 using the identity identification information and the mobile bank login password, and sends a withdrawal amount and a related The ATM designation instruction in one of the ATM identification data is given to the mobile bank server 5. In other words, the customer can specify the amount to be withdrawn and the ATM 1 to withdraw at this step. In this embodiment, the portable electronic device 4 displays map data indicating the location of the ATM 1 for the customer to select, as a basis for generating a designated instruction of the ATM.

Next, as shown in step S02, when the mobile bank server 5 receives the withdrawal amount and the teller designation instruction, the mobile bank server 5 generates an appointment data, the appointment data includes the identity corresponding to the customer Data, the bank account number corresponding to the customer, the withdrawal amount, the device identification data, and the transmitter identification data corresponding to the teller machine identification information related to the teller machine designation instruction.

Then, as shown in step S03, when the portable electronic device 4 receives the broadcast data broadcast by one of the signal transmitters 3, the portable electronic device 4 sends a trigger notification to the mobile bank server 5. The trigger notification includes the transmitter identification data and the device identification data of the broadcast data.

Next, as shown in step S04, the mobile bank server 5 determines whether the transmitter identification data and the device identification data of the trigger notification are respectively different from the transmitter identification data of the appointment data and the reservation data stored by the mobile bank server 5 and The device identification data matches, if not, the process ends, and if so, step S05 is performed.

Step S05 is when the mobile bank server 5 determines that the transmitter identification data and the device identification data of the trigger notification respectively correspond to the transmitter identification data and the device identification data of the appointment data stored by the mobile bank server 5 , The mobile bank server 5 sends a card-free withdrawal notification to the ATM identification information corresponding to the ATM identification information corresponding to the transmitter identification information of the appointment information and as a target ATM, the card-free withdrawal notification includes The ATM identification information corresponding to the identity identification information, the cardless withdrawal password, the bank account number, the withdrawal amount, and the transmitter identification information of the appointment information (that is, the ATM identification information of the target ATM).

Next, as shown in step S06, the target teller machine determines whether it has received a withdrawal data input by the customer and containing a to-be-verified identity identification data, a to-be-verified cardless withdrawal password, and a to-be-verified withdrawal amount, If not, the process ends, and if yes, step S07 is performed.

Step S07 is when the target teller machine receives the withdrawal information entered by the customer and containing the identification information to be verified, the cardless password to be verified and the withdrawal amount to be verified, the target teller machine will withdraw the withdrawal information. The payment information is transmitted to the ATM server 2 and the identification information, the cardless withdrawal password and the withdrawal amount of the cardless withdrawal notification are transmitted to the ATM server 2 as verification data, and The stored ATM identification data and the ATM identification information included in the card-free withdrawal notice are transmitted to the ATM server 2.

Then, as shown in step S08, the teller machine server 2 determines whether the to-be-verified identity identification information of the withdrawal data, the to-be-verified card-withdrawal password and the to-be-verified withdrawal amount are respectively the identity of the verification information. The identification information, the cardless withdrawal password and the withdrawal amount match, and whether the identification information of the teller machine stored by the target teller machine matches the identification information of the teller machine without the card withdrawal notification, if not, the process ends, if yes, Step S09 is executed.

Step S09 is when the teller machine server 2 judges the identification information of the to-be-verified identity of the withdrawal data, the card-withdrawal password to be verified and the withdrawal amount to be verified separately from the identity-identification data of the verification data, the The card withdrawal password and the withdrawal amount match, and the ATM identification data stored by the target ATM matches the ATM identification data without the card withdrawal notification. The ATM server 2 sends a verification pass notification to the target ATM.

Then, as shown in step S10, when the target teller machine receives the verification pass notification, the target teller machine sends a debit notification to the bank center host 6, the debit notification including the bank account number and the withdrawal amount.

Next, as shown in step S11, when the bank center host 6 receives the debit notification, the bank center host 6 determines whether the withdrawal amount is not greater than the balance, and if not, the process ends, and if so, executes step S12. .

In step S12, when the bank center host 6 determines that the withdrawal amount is not greater than the balance, the bank center host 6 deducts the balance from the withdrawal amount, and sends a debit success notification to the target teller machine.

Finally, as shown in step S13, when the target teller machine receives the notification of the successful debit, the target teller machine spit out a banknote that matches the withdrawal amount.

A second embodiment of the new automatic push-pull cardless cash withdrawal system 100 is similar to the first embodiment, and the differences are described below. In the second embodiment, when the portable electronic device 4 receives the broadcast data broadcast by one of the signal transmitters 3, the portable electronic device 4 first determines the portable data based on the broadcast data. Whether the portable electronic device 4 is within a predetermined distance from the signal transmitter 3 for a predetermined length of time, and when the portable electronic device 4 determines that the portable electronic device 4 continues for the predetermined length of time and the Only when the distance of the signal transmitter 3 is within the predetermined distance range, the portable electronic device 4 sends the trigger notification to the mobile bank server 5.

In summary, the new cardless cash withdrawal system 100 uses the mobile bank server to generate the reservation information when it receives the withdrawal amount and the designated instruction of the teller machine, allowing the customer to advance through the portable electronic device 4Which ATM 1 does the reservation need to withdraw and how much money to make, and through the cooperation of the signal transmitter 3, the portable electronic device 4 and the mobile bank server 5, the portable can be detected Whether the electronic device 4 is near the target teller machine and cooperates with the target teller machine, the teller machine server 2, the mobile bank server 5 and the bank center host 6, so that the customer only needs to perform the call at the target teller machine. With simple operation, cardless withdrawal can be completed, thus achieving the effect of low construction cost and low technical difficulty, and it is not necessary to collect the biological characteristic values of customers in advance as in the prior art, so it can indeed achieve the purpose of new cost.

However, the above are only examples of the new model. When the scope of implementation of the new model cannot be limited by this, any simple equivalent changes and modifications made in accordance with the scope of the patent application of the new model and the content of the patent specification are still Within the scope of this new patent.

100‧‧‧ Automatic promotion of cardless cash withdrawal system
1‧‧‧ ATM
2‧‧‧ATM server
3‧‧‧ signal transmitter
4‧‧‧ Portable electronic device
5‧‧‧Mobile Bank Server
6‧‧‧Bank Center Host
200‧‧‧Communication Network
S01 ~ S13‧‧‧step

Other features and effects of the present invention will be clearly presented in the embodiments with reference to the drawings, among which:
FIG. 1 is a schematic diagram of a hardware connection relationship of a first embodiment of the novel cardless cash withdrawal system; and FIG. 2 (FIGS. 2A, 2B, and 2C) is a flowchart of the first embodiment.

Claims (4)

A cardless cash withdrawal system including:
Multiple ATMs;
A teller machine server, electrically connected to the ATMs;
A plurality of signal transmitters are respectively arranged near the ATMs, and each signal transmitter stores a transmitter identification data and broadcasts a broadcast data, the broadcast data includes the transmitter identification data;
A portable electronic device is used by a customer for operation and has stored a device identification data, and when one of the signal transmitters is adjacent, the portable electronic device can establish a communication link with the signal transmitters nearby And receiving the broadcast information broadcast by the signal transmitter;
A mobile bank server that is electrically connected to the portable electronic device and the ATMs, and stores a customer data corresponding to the customer, a plurality of ATM identification data corresponding to the ATMs, and the signals Transmitter identification data of the transmitter, and each ATM identification data corresponds to the transmitter identification data of the corresponding signal transmitter near the ATM, and the customer data includes the identity identification data corresponding to the customer, the The device identification information of the portable electronic device, a bank account number corresponding to the customer, a mobile bank login password, and a cardless withdrawal password; and a bank center host, which is electrically connected to these ATMs and stored Have the bank account number and a balance corresponding to the customer;
The portable electronic device uses the identity information and the mobile bank login password to log in to the mobile bank server according to the operation of the customer, and sends a withdrawal amount and a number related to one of the teller machine identification data. ATM assigns instructions to the mobile bank server;
When the mobile bank server receives the withdrawal amount and the ATM designation instruction, the mobile bank server generates an appointment data, the appointment data contains the identification information corresponding to the customer, and the bank account number corresponding to the customer , The withdrawal amount, the device identification information and the transmitter identification information corresponding to the ATM identification information related to the ATM designation instruction;
When the portable electronic device receives the broadcast data broadcast by one of the signal transmitters, the portable electronic device sends a trigger notification to the mobile bank server, the trigger notification including the transmission of the broadcast data Device identification data and device identification data;
When the mobile bank server judges that the transmitter identification data and the device identification data of the trigger notification respectively match the transmitter identification data and the device identification data of the appointment data stored by the mobile bank server, the mobile bank server The device sends a card-free withdrawal notification to the booking information, the transmitter identification information corresponding to the ATM identification information and the ATM as a target ATM, the card-free withdrawal notification contains the identity identification information, the Card withdrawal password, the bank account number and the withdrawal amount;
When the target teller machine receives a withdrawal data input by the customer and contains a to-be-verified identity identification data, a card-free withdrawal password to be verified, and a withdrawal amount to be verified, the target teller machine transmits the withdrawal data To the ATM server, and send the identity identification information of the cardless withdrawal notice, the cardless withdrawal password and the withdrawal amount to the ATM server as verification information;
When the ATM server judges the to-be-verified identity identification information of the withdrawal information, the to-be-verified withdrawal card password and the to-be-verified withdrawal amount, the identity identification information of the verification information, and the non-card withdrawal password, respectively In accordance with the withdrawal amount, the ATM server sends a verification pass notification to the target ATM;
When the target teller machine receives the verification pass notification, the target teller machine sends a debit notification to the bank center host, and the debit notification includes the bank account number and the withdrawal amount;
When the host of the bank center judges that the withdrawal amount is not greater than the balance, the host of the bank center deducts the balance from the withdrawal amount, and sends a notification of the successful debit to the target teller machine;
When the target teller machine receives the notification of the successful debit, the target teller machine spit out a banknote that matches the withdrawal amount. The cardless cash withdrawal system as described in claim 1, wherein each automatic teller machine stores the corresponding ATM identification information, and the cardless withdrawal notice further includes the ATM identification information corresponding to the transmitter identification information of the appointment information When the target teller machine receives the withdrawal information, the target teller machine also transmits the stored teller machine identification information and the teller machine identification information contained in the card-free withdrawal notice to the teller machine server;
When the ATM server judges the to-be-verified identity identification information of the withdrawal information, the to-be-verified withdrawal card password and the to-be-verified withdrawal amount, the identity identification information of the verification information, and the non-card withdrawal password, respectively And the withdrawal amount matches, and the ATM identification data stored by the target ATM matches the ATM identification information of the cardless withdrawal notice, the ATM server sends the verification to the target ATM via the notification. The cardless cash withdrawal system according to claim 1, wherein the device identification data is generated by a mobile banking application installed on the portable electronic device. The cardless cash withdrawal system according to claim 1, wherein, when the portable electronic device receives the broadcast data broadcast by one of the signal transmitters, the portable electronic device is based on the broadcast data first. Determining whether the portable electronic device is within a predetermined distance from the signal transmitter for a predetermined length of time, and when the portable electronic device judges that the portable electronic device continues for the predetermined length of time and the The distance of the signal transmitter is within the predetermined distance, and the portable electronic device sends the trigger notification to the mobile bank server.