CN101377875A - Automatic counter machine and payment method thereof - Google Patents
Automatic counter machine and payment method thereof Download PDFInfo
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- CN101377875A CN101377875A CNA2007101211866A CN200710121186A CN101377875A CN 101377875 A CN101377875 A CN 101377875A CN A2007101211866 A CNA2007101211866 A CN A2007101211866A CN 200710121186 A CN200710121186 A CN 200710121186A CN 101377875 A CN101377875 A CN 101377875A
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Abstract
The invention discloses an automatic counter machine payment method and an automatic counter machine through a plurality of modes of execution, wherein, the automatic counter machine payment method comprises: the automatic counter machine scans a two-dimensional code electronic certificate for two times, orderly identifies basic two-dimensional code information and verification two-dimensional code information, and sends the basic two-dimensional code information and the verification two-dimensional code information to a verifying platform; the verifying platform verifies the two-dimensional code electronic certificate; after the two-dimensional code electronic certificate passes the verification, the automatic counter machine executes business transactions through a bank accounting system. The automatic counter machine payment method realizes the effective identification of the two-dimensional code electronic certificate through the automatic counter machine, leads the business transactions that use the automatic counter machine not to be limited to bankcards, reduces the troubles for customers that use the bankcards, and avoids the situation that operations of the business transactions cannot be realized through the automatic counter machine as customers forget to carry the bankcards or the bankcards are demagnetized.
Description
Technical field
The present invention relates to a kind of ATM (Automatic Teller Machine) (Automatic Teller Machine is hereinafter to be referred as ATM) method of payment, particularly a kind of ATM method of payment based on planar bar code technology; The invention still further relates to a kind of ATM, particularly a kind of ATM that can distinguish the two-dimensional code electronic voucher belongs to the E-Payment technical field.
Background technology
ATM is the most general self-help bank's equipment, and one of the most basic bank service is provided, and promptly goes out the paper money transaction, and some Full Featured product can also provide the envelope deposit business.On ATM, also can inquire about, revise the business of password to the account.
At present, existing ATM all is to carry out business transaction in the mode of inserting magnetic card, be that the client must hold bank card, after inserting bank card on the ATM, according to prompting input account password, after passing through the bank's billing and accounting system verification password success that is communicated with in real time with ATM, described client then can utilize described billing and accounting system to finish the associative operation of business transaction.
But each client generally can have the bank card of how tame issued by banks, carries very inconveniently, and loses easily, can result in hand cramps to the client like this.In addition, because the recorded information of bank card all is stored on the magnetic stripe at the back side, and the high-intensity magnetic field that frequency electromagnetic waves produced of mobile phone, micro-wave oven, computer, refrigerator, generation when the contour magnetic article of televisor are worked all can magnetize credit card, make institute's recorded information disorder, promptly cause bank card by demagnetization, thereby cause bank card to lose efficacy.In addition, if the magnetic stripe of two bank cards overlaps, also very possible simultaneously by demagnetization.In addition, the magnetic hidden discount of Ms's bag, part medical examination device such as nuclear magnetic resonance analyser also can cause the magnetization of bank card.In addition, wearing and tearing, scratch, distortion also can make bank card lose efficacy.After client's bank card lost efficacy, ATM then can't discern the bank card after the inefficacy, and therefore, the client can't utilize ATM to carry out business transaction, has brought trouble to the client.
Summary of the invention
First aspect of the present invention provides a kind of ATM method of payment, can only discern the problem that bank card carries out business transaction in order to solve ATM, realizes utilizing the two-dimensional code electronic voucher to be engaged in concluding the business in the enterprising industry of ATM.
Second aspect of the present invention provides a kind of ATM, can only discern the problem that bank card carries out business transaction in order to solve ATM, realizes that ATM can discern the two-dimensional code electronic voucher.
First aspect of the present invention provides following technical scheme by some embodiments: a kind of ATM (Automatic Teller Machine) method of payment is provided, may further comprise the steps:
After step 30, described two-dimensional code electronic credential verification passed through, described ATM carried out business transaction by bank accounting system.
The embodiment of first aspect of the present invention scans the two-dimensional code electronic voucher that carries bank account information by ATM, distinguish out above-mentioned bank account information, the operation that makes it possible to utilize the two-dimensional code electronic voucher in the portable terminal to conclude the business in the enterprising industry affair of ATM, avoided the generation of the phenomenon that ATM can't discern after the bank card demagnetization, and method is simple, easily operation.In addition, to the scanning second time that above-mentioned two-dimensional code electronic voucher carries out, can further verify the true and false of above-mentioned two-dimensional code electronic voucher, guarantee the ATM security of payment more by ATM.
Second aspect of the present invention provides following technical scheme by other embodiments: a kind of ATM (Automatic Teller Machine) is provided, comprises:
Recognition module, be used for the two-dimensional code electronic voucher that carries bank account information is carried out twice scanning, and distinguish out successively described two-dimensional code electronic with basic 2 D code information and the checking 2 D code information;
Control module is connected with described recognition module, is used to send described basic 2 D code information and checking 2 D code information that described recognition module is distinguished out, for described two-dimensional code electronic voucher is verified, and input information and output information is controlled;
Transaction modules is connected with described control module, is used for described two-dimensional code electronic voucher by after verifying, carries out business transaction.
The embodiment of second aspect of the present invention scans the two-dimensional code electronic voucher that carries bank account information by above-mentioned recognition module, distinguish out above-mentioned bank account information, avoided the generation of the phenomenon that ATM can't discern after the bank card demagnetization, and simple in structure, operation easily.In addition, by distinguishing the scanning second time that module is carried out above-mentioned two-dimensional code electronic voucher, can further distinguish out the checking 2 D code information of above-mentioned two-dimensional code electronic voucher,, guarantee the ATM security of payment more for the true and false of the above-mentioned two-dimensional code electronic voucher of checking.
Description of drawings
Below by drawings and embodiments, technical scheme of the present invention is described in further detail.
Fig. 1 is the schematic flow sheet of first embodiment of ATM method of payment of the present invention;
Fig. 2 is the schematic flow sheet of second embodiment of ATM method of payment of the present invention;
Fig. 3 is the structural representation of the embodiment of ATM of the present invention.
Embodiment
2D bar code technology has characteristics such as high density, high capacity, be traditional bar code can not compare.It can explain data such as text message, data file (particularly Chinese character file), picture.Two-dimensional bar code has remarkable advantages at quantity of information, confidentiality, antipollution and aspects such as anti-interference and standardization, is one of Perfected process of realizing the network information management.
As a kind of brand-new automatic identification and information carrier technology, the economy of two-dimensional bar code and reliability are just being understood by increasing people and are cognitive.The two-dimensional code electronic voucher that embodiment of the present invention relates to can be regarded as a kind of " virtual bank's card ", wherein include a basic two-dimension code image and many hiding two-dimension code image that are used to verify the above-mentioned two-dimensional code electronic voucher true and false, above-mentioned hiding two-dimension code image is embedded in the above-mentioned basic two-dimension code image, promptly synthesized one with above-mentioned basic two-dimension code image, they have unique identification information separately.All carry customer bank account's information in the hiding 2 D code information that basic 2 D code information that above-mentioned basic two-dimension code image comprises and hiding two-dimension code image comprise.
As shown in Figure 1, be the schematic flow sheet of first embodiment of ATM method of payment of the present invention.Present embodiment may further comprise the steps:
After step 30, above-mentioned two-dimensional code electronic credential verification passed through, above-mentioned ATM carried out business transaction by bank accounting system.
In the present embodiment, the two-dimensional code electronic voucher is stored in the portable terminal, and is very convenient to carry.By the effective recognition of ATM to above-mentioned two-dimensional code electronic voucher, make that utilizing ATM to carry out business transaction no longer has been confined to bank card, reduced the trouble that the client uses bank card to bring, avoided the client to leave behind bank card or bank card can't use ATM to carry out the business transaction operation by demagnetization situation and taken place.
In addition, in the embodiment of the invention described above ATM method of payment, in order further to reach the purpose of the above-mentioned two-dimensional code electronic voucher of the verification true and false, ATM carries out twice scanning to above-mentioned two-dimensional code electronic voucher, distinguish out the basic 2 D code information and the checking 2 D code information of above-mentioned two-dimensional code electronic voucher successively, verify for verification platform.Above-mentioned verification platform can be arranged in the account system of bank, also can independently be provided with.
In the embodiment of the invention described above ATM method of payment, employed checking two-dimension code image is any in many hiding two-dimension code image in the two-dimensional code electronic voucher in the above-mentioned scanning read operation, or the Dynamic Two-dimensional sign indicating number picture that dynamically generates in client.The information that all includes the customer bank account in above-mentioned hiding two-dimension code image and the Dynamic Two-dimensional sign indicating number picture.
As shown in Figure 2, be the schematic flow sheet of second embodiment of ATM method of payment of the present invention.Compare with a last embodiment, in the present embodiment, can also may further comprise the steps before the above-mentioned steps 1:
Demonstrate the basic two-dimension code image that is comprised in the above-mentioned two-dimensional code electronic voucher on the screen of step 01, portable terminal, embedded at least one Zhang Yinzang two-dimension code image in the above-mentioned basic two-dimension code image.
Compare with a last embodiment, above-mentioned steps 1 is specifically as follows following steps in the present embodiment:
Step 11, ATM carry out preliminary sweep to the two-dimensional code electronic voucher that carries bank account information, distinguish out the basic 2 D code information of the basic two-dimension code image that is comprised in the above-mentioned two-dimensional code electronic voucher, and generate a status indicator;
Step 12, above-mentioned ATM judge also according to above-mentioned status indicator, and needs scan above-mentioned two-dimensional code electronic voucher;
Step 13, above-mentioned ATM generation system identifying code, said system identifying code are used to extract a checking two-dimension code image and for verification platform the true and false of described two-dimensional code electronic voucher are verified;
Step 14, client utilize the said system identifying code, extract a checking two-dimension code image that is used to verify the authenticity of described two-dimensional code electronic voucher in the client of portable terminal;
Step 15, above-mentioned ATM scan once more to above-mentioned two-dimensional code electronic voucher, distinguish out the checking 2 D code information of the above-mentioned checking two-dimension code image that is comprised in the above-mentioned two-dimensional code electronic voucher;
Step 16, the above-mentioned basic 2 D code information of transmission, above-mentioned checking 2 D code information and said system identifying code are to verification platform.
Wherein, above-mentioned steps 13 is specifically as follows:
ATM with the system time of the terminal number of its above-mentioned basic 2 D code information of distinguishing out, ATM and ATM as seed, by one-way function generation system identifying code, as: utilize secure Hash (Safe-HashAlgorithm, hereinafter to be referred as SHA) algorithm generates 4 or 6 s' system verification sign indicating number, above-mentioned ATM is prompted to the client with the said system identifying code that generates, the client extracts a checking two-dimension code image at the client input said system identifying code of portable terminal.Above-mentioned checking two-dimension code image can be a hiding two-dimension code image, can also be that client dynamically generates a Dynamic Two-dimensional sign indicating number picture.Also carry information in the above-mentioned Dynamic Two-dimensional sign indicating number picture by the customer bank account.
Compare with a last embodiment, in the present embodiment, above-mentioned steps 20 is specifically as follows following steps:
Step 21, verification platform are verified the authenticity of above-mentioned two-dimensional code electronic voucher;
After the authenticity verification success of step 22, above-mentioned two-dimensional code electronic voucher, verification platform is verified the validity of above-mentioned two-dimensional code electronic voucher again.
Above-mentioned verification platform can be verified the authenticity of above-mentioned two-dimensional code electronic voucher with checking 2 D code information and said system identifying code according to the above-mentioned basic 2 D code information that above-mentioned ATM distinguishes out.After the success of the authenticity verification of above-mentioned two-dimensional code electronic voucher, verification platform can be verified the validity of above-mentioned two-dimensional code electronic voucher according to the transaction security sign indicating number (promptly using password) of the above-mentioned two-dimensional code electronic voucher of client's input.After above-mentioned being proved to be successful, the user can utilize above-mentioned ATM to carry out business transaction by bank accounting system.
In the present embodiment, by the effective recognition of ATM to above-mentioned two-dimensional code electronic voucher, make that utilizing ATM to carry out business transaction no longer has been confined to bank card, reduced the trouble that the client uses bank card to bring, avoided the client to leave behind bank card or bank card can't use ATM to carry out the business transaction operation by demagnetization situation and taken place.As long as the client carries the mobile phone that can store the two-dimensional code electronic voucher, can on ATM, finish the operation of business transaction, simply be easy to realize.
In the present embodiment, above-mentioned ATM,, carries out twice scanning and distinguishes just much of that in order to verify the true and false of two-dimensional code electronic voucher for general ATM payment system the scanning and the recognition number of times twice of two-dimensional code electronic voucher.If the ATM payment system is higher to security requirement, also can repeatedly scan, distinguish out a plurality of checking 2 D code informations, the service security of fully guaranteeing payment.The operation and the present embodiment that repeatedly scan and distinguish are similar, repeat no more herein.
As shown in Figure 3, be the structural representation of the embodiment of ATM of the present invention.Present embodiment comprises: recognition module 40, be used for the two-dimensional code electronic voucher that carries bank account information is carried out twice scanning, and distinguish out successively above-mentioned two-dimensional code electronic with basic 2 D code information and the checking 2 D code information; Control module 50, be connected with recognition module 40, be used to send recognition module 40 above-mentioned basic 2 D code information of distinguishing out and the transaction security sign indicating number of verifying 2 D code information and described two-dimensional code electronic voucher, for above-mentioned two-dimensional code electronic voucher is verified, and input information and output information are controlled; Transaction modules 60 is connected with control module 50, is used for above-mentioned two-dimensional code electronic voucher by after verifying, carries out business transaction.
In the present embodiment, recognition module 40 can comprise: scanning element is used for the two-dimensional code electronic voucher that carries bank account information is carried out twice scanning; The recognition unit is connected with above-mentioned scanning element, be used for result according to twice scanning of above-mentioned scanning element distinguish out respectively above-mentioned two-dimensional code electronic with basic 2 D code information and verify 2 D code information; Processing unit is connected with control module with above-mentioned recognition unit respectively, generates the system verification sign indicating number that is used to extract the checking two-dimension code image according to above-mentioned basic 2 D code information.After the client is input to the client of portable terminal with the said system identifying code, can extract a hiding two-dimension code image or a Dynamic Two-dimensional sign indicating number picture that dynamically generates by client that is embedded in the basic two-dimension code image, above-mentioned scanning element scans above-mentioned hiding two-dimension code image or Dynamic Two-dimensional sign indicating number picture, distinguishes out 2 D code information or the Dynamic Two-dimensional sign indicating number information hidden.Control module 50 sends recognition module 40 basic 2 D code information of distinguishing out and the transaction security sign indicating number of verifying 2 D code information (being above-mentioned hiding 2 D code information or Dynamic Two-dimensional sign indicating number information), said system identifying code and described two-dimensional code electronic voucher, for a verification platform described two-dimensional code electronic voucher is verified.
The invention described above ATM embodiment scans the two-dimensional code electronic voucher that carries bank account information by a recognition module is set, distinguish out above-mentioned bank account information, avoided the generation of the phenomenon that ATM can't discern after the bank card demagnetization, and simple in structure, operation easily.As long as the client carries the mobile phone that can store the two-dimensional code electronic voucher, can on ATM, finish the operation of business transaction, simply be easy to realize.
In addition, the scanning second time that the invention described above ATM embodiment carries out above-mentioned two-dimensional code electronic voucher by the recognition module, can further distinguish out the checking 2 D code information of above-mentioned two-dimensional code electronic voucher, for the true and false of the above-mentioned two-dimensional code electronic voucher of checking, guaranteed the ATM security of payment more.
One of ordinary skill in the art will appreciate that: all or part of step that realizes the said method embodiment can be finished by the relevant hardware of programmed instruction, aforesaid program can be stored in the computer read/write memory medium, this program is carried out the step that comprises the said method embodiment when carrying out; And aforesaid storage medium comprises: various media that can be program code stored such as ROM, RAM, magnetic disc or CD.
It should be noted that at last: above embodiment only in order to technical scheme of the present invention to be described, is not intended to limit; Although the present invention is had been described in detail with reference to aforementioned embodiments, those of ordinary skill in the art is to be understood that: it still can be made amendment to the technical scheme that aforementioned each embodiment is put down in writing, and perhaps part technical characterictic wherein is equal to replacement; And these modifications or replacement do not make the essence of appropriate technical solution break away from the spirit and scope of each embodiment technical scheme of the present invention.
Claims (11)
1, a kind of ATM (Automatic Teller Machine) method of payment is characterized in that: may further comprise the steps:
Step 10, ATM (Automatic Teller Machine) are carried out twice scanning to the two-dimensional code electronic voucher that carries bank account information, and distinguish out the basic 2 D code information of described two-dimensional code electronic voucher successively and verify 2 D code information, send described basic 2 D code information and checking 2 D code information to verification platform;
Step 20, described verification platform are verified described two-dimensional code electronic voucher;
After step 30, described two-dimensional code electronic credential verification passed through, described ATM (Automatic Teller Machine) was carried out business transaction by bank accounting system.
2, ATM (Automatic Teller Machine) method of payment according to claim 1 is characterized in that: also comprise before the described step 1:
Show the basic two-dimension code image of described two-dimensional code electronic voucher on the screen of step 01, portable terminal, embedded at least one Zhang Yinzang two-dimension code image in the described basic two-dimension code image.
3, ATM (Automatic Teller Machine) method of payment according to claim 1, it is characterized in that: described step 1 is specially:
Step 11, ATM (Automatic Teller Machine) are carried out preliminary sweep to the two-dimensional code electronic voucher that carries bank account information, distinguish out the basic 2 D code information of basic two-dimension code image in the described two-dimensional code electronic voucher, and generate status indicator;
Step 12, judge also according to described status indicator that needs scan described two-dimensional code electronic voucher;
Step 13, described ATM (Automatic Teller Machine) generation system identifying code;
Step 14, utilize described system verification sign indicating number, in the client of portable terminal, extract a checking two-dimension code image that is used to verify the authenticity of described two-dimensional code electronic voucher;
Step 15, described ATM (Automatic Teller Machine) scan once more to described two-dimensional code electronic voucher, distinguish out the checking 2 D code information of the two-dimension code image of checking described in the described two-dimensional code electronic voucher;
Step 16, the described basic 2 D code information of transmission, described checking 2 D code information and described system verification sign indicating number are to verification platform.
4, ATM (Automatic Teller Machine) method of payment according to claim 3, it is characterized in that: described step 13 is specially:
Described ATM (Automatic Teller Machine) with the system time of the terminal number of described basic 2 D code information, described ATM (Automatic Teller Machine) and described ATM (Automatic Teller Machine) as seed, by one-way function generation system identifying code.
5, ATM (Automatic Teller Machine) method of payment according to claim 3, it is characterized in that: described step 14 is specially: the client utilizes the system verification sign indicating number of described ATM (Automatic Teller Machine) prompting, extracts a hiding two-dimension code image in the client of portable terminal.
6, ATM (Automatic Teller Machine) method of payment according to claim 3, it is characterized in that: described step 14 is specially: the client utilizes the system verification sign indicating number of described ATM (Automatic Teller Machine) prompting, extracts a Dynamic Two-dimensional sign indicating number picture that dynamically generates in the client of portable terminal.
7, according to the described arbitrary ATM (Automatic Teller Machine) method of payment of claim 1-6, it is characterized in that: described step 20 is specially:
Step 21, verification platform are verified the authenticity of described two-dimensional code electronic voucher;
After the authenticity verification success of step 22, described two-dimensional code electronic voucher, verification platform is verified the validity of described two-dimensional code electronic voucher again.
8, ATM (Automatic Teller Machine) method of payment according to claim 7, it is characterized in that: described step 21 is specially:
Verification platform is verified the authenticity of described two-dimensional code electronic voucher with checking 2 D code information and said system identifying code according to the basic 2 D code information of the described two-dimensional code electronic voucher that described ATM (Automatic Teller Machine) is distinguished out.
9, ATM (Automatic Teller Machine) method of payment according to claim 7, it is characterized in that: described step 22 is specially:
After the authenticity verification success of described two-dimensional code electronic voucher, verification platform is verified the validity of described two-dimensional code electronic voucher according to the transaction security sign indicating number of described two-dimensional code electronic voucher.
10, a kind of ATM (Automatic Teller Machine) is characterized in that: comprising:
Recognition module, be used for the two-dimensional code electronic voucher that carries bank account information is carried out twice scanning, and distinguish out successively described two-dimensional code electronic with basic 2 D code information and the checking 2 D code information;
Control module, be connected with described recognition module, be used to send described recognition module described basic 2 D code information of distinguishing out and the transaction security sign indicating number of verifying 2 D code information and described two-dimensional code electronic voucher, for described two-dimensional code electronic voucher is verified, and input information and output information are controlled;
Transaction modules is connected with described control module, is used for described two-dimensional code electronic voucher by after verifying, carries out business transaction.
11, ATM (Automatic Teller Machine) according to claim 10 is characterized in that: described recognition module comprises:
Scanning element is used for the two-dimensional code electronic voucher that carries bank account information is carried out twice scanning;
The recognition unit is connected with control module with described scanning element respectively, be used for result according to twice scanning of described scanning element distinguish out respectively described two-dimensional code electronic with basic 2 D code information and verify 2 D code information;
Processing unit is connected with described recognition unit, generates the system verification sign indicating number that is used to extract the checking two-dimension code image according to described basic 2 D code information.
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