CN101520924A - Terminal, system and realization method for realizing financial transactions by two-dimensional bar code - Google Patents

Terminal, system and realization method for realizing financial transactions by two-dimensional bar code Download PDF

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Publication number
CN101520924A
CN101520924A CN200810205332A CN200810205332A CN101520924A CN 101520924 A CN101520924 A CN 101520924A CN 200810205332 A CN200810205332 A CN 200810205332A CN 200810205332 A CN200810205332 A CN 200810205332A CN 101520924 A CN101520924 A CN 101520924A
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financial
bar code
terminal
dimensional bar
information
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CN200810205332A
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Chinese (zh)
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马宇尘
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Shanghai Xucanliang Science and Technology Co Ltd
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Shanghai Xucanliang Science and Technology Co Ltd
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Priority to CN200810205332A priority Critical patent/CN101520924A/en
Publication of CN101520924A publication Critical patent/CN101520924A/en
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Abstract

The invention provides a terminal, a system and a realization method for realizing financial transactions by a two-dimensional bar code, which belong to the field of financial equipment. The terminal comprises a financial transaction terminal body, and is characterized by comprising the following structure: a two-dimensional bar code display unit which is a two-dimensional bar code display unit which is matched with a financial terminal and carries with the characteristic information of the financial terminal. The two-dimensional bar code capable of representing the financial terminal is arranged on the financial terminal, the invention can realize the input operation of financial accounts through a mobile phone capable of taking pictures so as to bring about great convenience to users.

Description

Financial transaction terminal, system and its implementation of utilizing two-dimensional bar code to realize
Technical field
The invention belongs to the finance device field.
Technical background
Current people are when carrying out financial transaction, particularly when utilizing self-help drawing money machine (ATM) to conclude the business, common way is that bank card is inserted in the self-help drawing money machine, input password then, under the correct situation of password, can enter the ATM (automatic teller machine) system and carry out financial transaction or inquiry.
The implementation that other is also arranged, such as, the user inputs password again, and then deposits the financial transaction of a class after the bank's card number of oneself can being imported.
The mode of utilizing bank card to carry out financial transaction has inconvenience more, such as, when forgeing bank card, just can't operate.And the financial transaction mode of bank's card number, its security is relatively poor.And because bank's card number number is very long, number is imported also inconvenience that have more.
Summary of the invention
The object of the present invention is to provide and a kind ofly can take two-dimensional bar code shown in the financial terminal by mobile phone and realize the terminal of financial transaction, system and its implementation.
A kind of financial transaction terminal that utilizes two-dimensional bar code to realize, it includes the financial transaction terminal body, it is characterized in that this terminal includes following structure:
The two-dimensional bar code display unit, it and the supporting setting of financial terminal have the two-dimensional bar code display unit of place financial terminal characteristic information.
Further, described financial terminal also includes following feature:
Described financial terminal is the self-help drawing money machine with display screen.
Described two-dimensional bar code display unit is in the display screen of layout on aforesaid self-help drawing money machine.
Described financial terminal, it is the POS machine that is provided with the two-dimensional bar code display unit thereon.
Described financial terminal is provided with the display module that is used to support the two-dimensional bar code display unit.
A kind of financial transaction system of utilizing two-dimensional bar code to realize is characterized in that this system includes following ingredient:
Financial terminal, it is the financial instrument that is provided with the two-dimensional bar code display unit;
Mobile phone, it is the handheld terminal that is provided with shoot function, the two-dimensional barcode information of taking on the aforementioned financial terminal can be transmitted by following communication network;
The financial sector server, it is the server that is provided with respective modules and the two-dimensional bar code display unit related information and the financial terminal respective modules of phone number and financial account;
Communication network, it is a communication network of realizing information transmission between mobile phone, financial terminal and financial sector server.
Further, its feature also comprises:
Described financial terminal is the self-help drawing money machine, and two-dimensional bar code display unit is arranged in the display screen of self-help drawing money machine on it.
In described mobile phone, be provided with the two-dimensional bar code module for reading and writing that is used to understand the two-dimensional bar code display unit.
In described financial sector server, be provided with the two-dimensional barcode information wireless receiving module, come from the two-dimensional barcode information in the financial sector server and show in order to reception.
In described financial sector server, be provided with the financial service module that is used to realize financial transaction account number and password judgement.
On described financial terminal, be provided with financial key load module, be specially following structure one of them,
The finger print input device that is used for the fingerprint input,
Be used to write down the iris information logging modle of iris information,
The touch load module that is used for recording hand-written information,
Be used to import the user personality voice input module of voice,
The metacarpal bone perspective module that is used for recording user metacarpal bone information,
The people's face that is used to take people's face information is shot with video-corder module.
In described financial server, be provided with the two-dimensional barcode information conversion module, be used for the two-dimensional barcode information of conversion financial terminal.
A kind of financial trade method that utilizes two-dimensional bar code to realize is characterized in that this method includes following steps:
Step 1 is provided with the two-dimensional bar code display unit on financial terminal, utilize this two-dimensional bar code structure to represent the characteristic information of this financial terminal;
Step 2 is utilized mobile phone to take the two-dimensional bar code display unit, and the information that collects is sent in the financial sector server via communication network;
Step 3, in the financial sector server, utilize phone number and financial account respective modules, obtain and the corresponding Financial Information of this phone number, utilize two-dimensional bar code display unit related information and end message respective modules, search corresponding specific financial terminal;
Step 4, the user imports the key information with the corresponding financial account of this phone number in financial terminal;
Step 5, if identification is passed through, the user can carry out corresponding financial transaction at this financial terminal, if identification is not passed through, then can change abovementioned steps over to and proceed identification or end operation.
Advantage of the present invention: the present invention directly just can realize the input operation of financial account by the mobile phone that can take pictures by the two-dimensional bar code can represent this financial terminal is set on financial terminal, thereby brings great convenience for the user.
Description of drawings
Fig. 1 is the structural representation of financial transaction terminal of the present invention.
Fig. 2 is the structural representation that utilizes the financial transaction system of two-dimensional bar code realization of the present invention.
Fig. 3 is a kind of process flow diagram that utilizes the implementation method of the financial transaction system that two-dimensional bar code realizes of the present invention.
Fig. 4 is that a kind of implementation process of the method for the financial transaction system that two-dimensional bar code realizes of utilizing of the present invention is described.
Specific embodiment
Join shown in Figure 1ly, showed here and can realize financial transaction terminal 100 of the present invention.This financial transaction terminal 100 can be realized the correlation function of common self-service financial transaction terminal, comprises that terminal withdraws the money, perhaps terminal deposit and money transfer transactions function, or the like.
It is on its terminal fuselage 110, be provided with the terminal display screen 120 that is used to realize Presentation Function, be used to plug the card slot 130 of bank card, be used to import the terminal keypad 140 of account number cipher and user profile, be used for the banknote mouth 150 of banknote turnover, and be encapsulated in being used in the terminal fuselage 110 and realize the various functional structures of self-service financial transaction.Wherein, described terminal display screen 120 can also be the touch-screen that is used to realize touching input.
Remarkable distinguishing characteristics of the present invention is that terminal fuselage 110 is provided with can represent this financial terminal two-dimensional bar code display unit 200 100 distinctive information, that have uniqueness.
Shown in the ginseng figure, as preferred embodiment, two-dimensional bar code display unit 200, its layout shows as a standalone module in terminal display screen 120.Certainly, other position that two-dimensional bar code display unit 200 is arranged on fuselage also is the same, but this situation facilitates for lawless person's forgery activity.
In financial transaction terminal 100, the modular structure that two-dimensional bar code display unit 200 matches can be set, in order to support the Presentation Function of two-dimensional bar code display unit 200 in screen.
Join shown in Figure 2, a kind of financial transaction system 600 of utilizing two-dimensional bar code to realize of the present invention, it includes:
(1) financial transaction terminal 100, and it is the financial instrument that is provided with the two-dimensional bar code display unit, and concrete condition can be joined noted earlier.
(2) mobile phone 500, and it is the handheld terminal that is provided with shoot function, can will take the two-dimensional barcode information on the aforementioned financial transaction terminal 100 and can transmit by following communication network.Mobile phone 500 is our widely used handheld communication terminals at present; In the present invention, this communication terminal need have the function of image taking.
After the image taking, can utilize the two-dimensional bar code recognizer in the mobile phone 500 to discern, then, utilize the information after 500 pairs of two-dimensional bar codes of mobile phone are discerned, send in the financial sector server 400 via communication network 300; Certainly, specifying information that can this two-dimensional bar code of nonrecognition, and the two-dimensional bar code content that photographs is directly sent to financial sector server 400, discern by 400 pairs of these two-dimensional barcode informations of financial sector server.
(3) the financial sector server 400, and it is the server that is provided with phone number and financial account respective modules 410 and two-dimensional bar code display unit related information and financial terminal respective modules 420.
Described phone number and financial account respective modules 410 can be utilized the phone number of aforesaid mobile phone 500, find the predefined financial account with the corresponding user of this phone number.
Such as, user's phone number is 13600000000, he registers in financial institution, sets up oneself Chinese agricultural bank card number 95599888888888888 and this phone number corresponding.
So financial sector server 400 when receiving the information of this phone number transmission, can utilize this number to obtain the information of its Agricutural Bank of China's card number 95599888888888888 immediately by phone number and financial account respective modules 410.
(4) communication network 300, and it is a communication network of realizing information transmission between mobile phone 500, financial transaction terminal 100 and financial sector server 400.It includes mobile radio communication, certainly, and can also be in conjunction with carrying out information transmission with internet or financial dedicated network.
Ginseng Fig. 3, shown in Figure 4, the financial trade method that utilizes two-dimensional bar code to realize described above comprehensively gets off, and this method includes following steps:
Step 1 is provided with two-dimensional bar code display unit 160 on financial transaction terminal 100, utilize this two-dimensional bar code display unit 200 to represent the characteristic information of this financial terminal.Particularly,, and can make foundation differentiation relation between this financial terminal and other financial terminal, just can as long as two-dimensional barcode information wherein can bring this financial terminal.Certainly, can also increase various enciphered messages etc. on this basis.
Under preceding, this two-dimensional bar code display unit 200 is fit to be arranged on the terminal display screen 120 of financial terminal.
Step 2 is utilized mobile phone 500 to take two-dimensional bar code display unit 200, and the information that collects is sent in the financial sector server 400 via communication network 300.
As previously mentioned, this two-dimensional barcode information can be discerned processing by mobile phone 500, also can not discern processing.
Step 3 in financial sector server 400, is utilized phone number and financial account respective modules 410, obtains and the corresponding Financial Information of this phone number, particularly financial account information, as bank card account number; Utilize two-dimensional bar code display unit related information and end message respective modules 420,, directly judge and specific two-dimensional bar code display unit 200 corresponding particular financial transaction terminals 100 by aforesaid two-dimensional bar code display unit 200.
Be directed to the judgement of this particular financial transaction terminal 100, need be specific to terminal specific, concrete, uniqueness and that controlled by financial sector server 400.
Then, if find and the corresponding financial account of the phone number of this mobile phone 500, the pairing user profile of its number of the account just is directly passed to financial transaction terminal 100, just as the user oneself bank card is inserted into effect in the financial transaction terminal 100.
If can not find corresponding financial account, then do not do the demonstration of financial account input succeed at.
Step 4, the user imports the key information with the corresponding financial account of this phone number in financial transaction terminal 100.
In conjunction with shown in Figure 4, through after the previous step, the user can obtain the prompting of " input password " aspect in financial transaction terminal 100, and operate as finance at ordinary times: bank card has inserted, and needs the user to input password.
The type of password does not limit.At first, can import numerical ciphers commonly used at present, this utilizes terminal keypad 140 just can realize.
In addition, the character outside also can input digit is as password.
In addition, can also be used as password with more mode based on bio-identification.
For example and without limitation, can carry out the key input by the mode of following these bio-identification:
By being used for the finger print input device of fingerprint input, utilize the fingerprint recognition feature as the key that starts financial transaction;
By being used to write down the iris information logging modle of iris information, utilize the fingerprint recognition feature as the key that starts financial transaction;
By being used for the touch load module of recording hand-written information, the handwriting characteristic that utilizes the user is as the key that starts financial transaction;
By being used to import the user personality voice input module of voice, utilize the vocal print feature as the key that starts financial transaction;
By being used for the metacarpal bone perspective module of recording user metacarpal bone information, utilize the metacarpal bone physiological characteristic as the key that starts financial transaction;
Shoot with video-corder module by the people's face that is used to take people's face information, utilize people's face biological characteristic as the key that starts financial transaction.
Step 5, if identification is passed through, the user can carry out corresponding financial transaction at this financial transaction terminal 100, if identification is not passed through, then can change abovementioned steps over to and proceed identification or end operation.
More than be the description of this invention and non-limiting, based on other embodiments of the invention, also among protection scope of the present invention.

Claims (10)

1. financial transaction terminal that utilizes two-dimensional bar code to realize, it includes the financial transaction terminal body, it is characterized in that this terminal includes following structure:
The two-dimensional bar code display unit, it and the supporting setting of financial terminal have the two-dimensional bar code display unit of place financial terminal characteristic information.
2. the financial transaction terminal that utilizes two-dimensional bar code to realize according to claim 1, it is characterized in that: described financial terminal is self-help drawing money machine or the POS machine with display screen.
3. the financial transaction terminal that utilizes two-dimensional bar code to realize according to claim 1, it is characterized in that: described financial terminal is provided with the display module that is used to support the two-dimensional bar code display unit.
4. the financial transaction terminal that utilizes two-dimensional bar code to realize according to claim 1 is characterized in that: described two-dimensional bar code display unit, and in the display screen of layout on aforesaid self-help drawing money machine.
5. financial transaction system of utilizing two-dimensional bar code to realize is characterized in that this system includes following ingredient:
Financial terminal, it is the financial instrument that is provided with the two-dimensional bar code display unit;
Mobile phone, it is the handheld terminal that is provided with shoot function, the two-dimensional barcode information of taking on the aforementioned financial terminal can be transmitted by following communication network;
The financial sector server, it is the server that is provided with respective modules and the two-dimensional bar code display unit related information and the financial terminal respective modules of phone number and financial account;
Communication network, it is to realize information transmission between mobile phone, financial terminal and financial sector server.
6. the financial transaction system of utilizing two-dimensional bar code to realize according to claim 5, it is characterized in that: described financial terminal is the self-help drawing money machine, two-dimensional bar code display unit is arranged in the display screen of self-help drawing money machine on it.
7. the financial transaction system of utilizing two-dimensional bar code to realize according to claim 5 is characterized in that: in described mobile phone, be provided with the two-dimensional bar code module for reading and writing that is used to understand the two-dimensional bar code display unit.
8. the financial transaction system of utilizing two-dimensional bar code to realize according to claim 5, it is characterized in that: in described financial sector server, be provided with the two-dimensional barcode information wireless receiving module, come from the two-dimensional barcode information in the financial sector server and show in order to reception.
9. the financial transaction system of utilizing two-dimensional bar code to realize according to claim 5 is characterized in that: on described financial terminal, is provided with financial key load module, is specially in the following structure one or more,
In order to the terminal keypad of realizing that numeral or character are imported,
The finger print input device that is used for the fingerprint input,
Be used to write down the iris information logging modle of iris information,
The touch load module that is used for recording hand-written information,
Be used to import the user personality voice input module of voice,
The metacarpal bone perspective module that is used for recording user metacarpal bone information,
The people's face that is used to take people's face information is shot with video-corder module.
In described financial server, be provided with the two-dimensional barcode information conversion module, be used for the two-dimensional barcode information of conversion financial terminal.
10. financial trade method that utilizes two-dimensional bar code to realize is characterized in that this method includes following steps:
Step 1 is provided with the two-dimensional bar code display unit on financial terminal, utilize this two-dimensional bar code structure to represent the characteristic information of this financial terminal;
Step 2 is utilized mobile phone to take the two-dimensional bar code display unit, and the information that collects is sent in the financial sector server via communication network;
Step 3, in the financial sector server, utilize phone number and financial account respective modules, obtain and the corresponding Financial Information of this phone number, utilize two-dimensional bar code display unit related information and end message respective modules, search corresponding specific financial terminal;
Step 4, the user imports the key information with the corresponding financial account of this phone number in financial terminal;
Step 5, if identification is passed through, the user can carry out corresponding financial transaction at this financial terminal, if identification is not passed through, then can change abovementioned steps over to and proceed identification or end operation.
CN200810205332A 2008-12-31 2008-12-31 Terminal, system and realization method for realizing financial transactions by two-dimensional bar code Pending CN101520924A (en)

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Cited By (14)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
CN101945118A (en) * 2010-09-29 2011-01-12 北京天地融科技有限公司 Method, device and system for realizing reserved withdrawal service
CN101951320A (en) * 2010-09-29 2011-01-19 北京天地融科技有限公司 Implementation method, device and system of dynamic password
CN103020506A (en) * 2012-11-22 2013-04-03 北京握奇数据系统有限公司 Key equipment and method integrating photographing and bar code identification technologies
CN103150837A (en) * 2013-02-01 2013-06-12 深圳市怡化电脑有限公司 System and method for achieving cardless withdrawal on automatic teller machine (ATM)
CN103186745A (en) * 2013-03-08 2013-07-03 陈景辉 Graphical dynamic password token
EP2641219A2 (en) 2010-11-19 2013-09-25 Mastercard International Incorporated Financial card method, device and system utilizing bar codes to identify transaction details
CN103746979A (en) * 2013-12-30 2014-04-23 飞天诚信科技股份有限公司 Data processing method and system
CN104157082A (en) * 2014-07-29 2014-11-19 中国联合网络通信集团有限公司 Automatic ticket collecting method and automatic ticket collecting device
CN104820944A (en) * 2015-05-11 2015-08-05 中国工商银行股份有限公司 Method and system for bank self-service terminal authentication, and device
WO2016062173A1 (en) * 2014-10-22 2016-04-28 腾讯科技(深圳)有限公司 User attribute value transfer method and terminal
US9384499B2 (en) 2010-11-19 2016-07-05 Mastercard International Incorporated Method and system for indirect control of a website
US9836737B2 (en) 2010-11-19 2017-12-05 Mastercard International Incorporated Method and system for distribution of advertisements to mobile devices prompted by aural sound stimulus
US9836780B2 (en) 2010-11-19 2017-12-05 Mastercard International Incorporated Method and system for consumer transactions using voice or human based gesture actions
US10043209B2 (en) 2010-11-19 2018-08-07 Mastercard International Incorporated Method and system for consumer transactions using voice or human based gesture actions

Cited By (17)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
CN101951320A (en) * 2010-09-29 2011-01-19 北京天地融科技有限公司 Implementation method, device and system of dynamic password
CN101945118A (en) * 2010-09-29 2011-01-12 北京天地融科技有限公司 Method, device and system for realizing reserved withdrawal service
US9384499B2 (en) 2010-11-19 2016-07-05 Mastercard International Incorporated Method and system for indirect control of a website
EP2641219A2 (en) 2010-11-19 2013-09-25 Mastercard International Incorporated Financial card method, device and system utilizing bar codes to identify transaction details
US10043209B2 (en) 2010-11-19 2018-08-07 Mastercard International Incorporated Method and system for consumer transactions using voice or human based gesture actions
US9836780B2 (en) 2010-11-19 2017-12-05 Mastercard International Incorporated Method and system for consumer transactions using voice or human based gesture actions
US9836737B2 (en) 2010-11-19 2017-12-05 Mastercard International Incorporated Method and system for distribution of advertisements to mobile devices prompted by aural sound stimulus
CN103020506A (en) * 2012-11-22 2013-04-03 北京握奇数据系统有限公司 Key equipment and method integrating photographing and bar code identification technologies
CN103020506B (en) * 2012-11-22 2015-10-07 北京握奇数据系统有限公司 A kind of combination is taken pictures and the Key equipment of bar code identification technology and method
CN103150837A (en) * 2013-02-01 2013-06-12 深圳市怡化电脑有限公司 System and method for achieving cardless withdrawal on automatic teller machine (ATM)
CN103186745A (en) * 2013-03-08 2013-07-03 陈景辉 Graphical dynamic password token
CN103746979A (en) * 2013-12-30 2014-04-23 飞天诚信科技股份有限公司 Data processing method and system
CN104157082A (en) * 2014-07-29 2014-11-19 中国联合网络通信集团有限公司 Automatic ticket collecting method and automatic ticket collecting device
WO2016062173A1 (en) * 2014-10-22 2016-04-28 腾讯科技(深圳)有限公司 User attribute value transfer method and terminal
US10127529B2 (en) 2014-10-22 2018-11-13 Tencent Technology (Shenzhen) Company Limited User attribute value transfer method and terminal
US10417620B2 (en) 2014-10-22 2019-09-17 Tencent Technology (Shenzhen) Company Limited User attribute value transfer method and terminal
CN104820944A (en) * 2015-05-11 2015-08-05 中国工商银行股份有限公司 Method and system for bank self-service terminal authentication, and device

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Application publication date: 20090902