CN101933035A - Portable ATM system and withdrawing/depositing cash methods thereof - Google Patents

Portable ATM system and withdrawing/depositing cash methods thereof Download PDF

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Publication number
CN101933035A
CN101933035A CN2007801001847A CN200780100184A CN101933035A CN 101933035 A CN101933035 A CN 101933035A CN 2007801001847 A CN2007801001847 A CN 2007801001847A CN 200780100184 A CN200780100184 A CN 200780100184A CN 101933035 A CN101933035 A CN 101933035A
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China
Prior art keywords
card
trade company
key
data
data bag
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Pending
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CN2007801001847A
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Chinese (zh)
Inventor
黄金富
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Individual
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Individual
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Publication of CN101933035A publication Critical patent/CN101933035A/en
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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]
    • G07F19/205—Housing aspects of ATMs
    • 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]

Abstract

A portable ATM system contains a controlling center (1), one or a plurality of ATMs (2), the communication network (3), a plurality of smart cards (4), a plurality of business cards (5), the account center of card-receiving bank (6) and the account center of card-issuing bank (7). Every smart card (4) is corresponding with a smart-card account. A card (5) of the merchant is inserted in the ATM (2), which is set in the store. Every card (5) of the merchants is corresponding with a business-card account. To withdraw cash by means of the portable ATMs system, the cardholder transfers the money of his smart-card account to the business-card account corresponding with the card (5) of the merchant through the smart card (4), the ATM (2), the communiction network (3), the accounter center of card-receiving bank (6), the account center of card-issuing bank (7), etc., then the store take the equivalent cash to the cardholder.

Description

Portable ATM system and withdrawing/depositing cash methods thereof
Portable ATM system and withdrawing/depositing cash methods thereof
【Technical field】
The present invention relates to e-payment field, more particularly to a kind of portable ATM system.【Technical background】
Current most ATM, usually set by bank, the client that substantial amounts of cash is typically stored in ATM for bank extracts, in order to ensure the safety of ATM, general ATM is designed with multiple tight security measures, so the price of ATM is very expensive, operation costs are also at a relatively high, bank is in order to save cost, generally only ATM can be set in the busy area more than some stream of peoples, and the not many small community of some resident populations, many banks are all unwilling to set up branch or ATM in these small communities, if the resident of these small communities will use ATM, busy area, which will typically be gone to, can just find ATM, it is very inconvenient, the problem of this is one extremely to be solved.
【The content of the invention】
The purpose of the present invention, is to provide a kind of ATM with low cost, it is possible to provide the most frequently used withdrawal of ATM and savings function.
Current most trade company, typically the cash got back when doing business can be stored in bank, and customer then extracts banknote from bank counter or ATM, then trade company is given by banknote when consuming payment, banknote is just circulated between customer, trade company, bank, and trade company and bank have paid many operation costs for this.The Portable ATM system of the present invention, ATM be only responsible between processing account data such as money transfer transactions Er Banknote tickets acceptance part be responsible for by trade company, trade company gets preparation back when can be by business will be stored in the cash of bank, pass through the Portable ATM system of the present invention, extracted directly to customer, so most banknote is just only circulated between customer and trade company, trade company can and bank all therefore and operation costs can be lowered.Because ATM will not store banknote, so the cost of ATM can be greatly reduced, bank can set ATM in more areas.
The object of the present invention is achieved like this, using such a portable ATM system, extracts or be stored in cash at the trade company of set ATM with its smart card for customer, it is characterised in that described system mainly includes control Center processed（1), one or more ATMs（2), communication network（3), many sheet smart cards（4), multiple trade companies block（5), card-receiving bank account center（6), issuing bank's account center（7),
Wherein,
ATM（2) predetermined trade company or the predetermined area, set ATM are arranged on（2) any cash storage is had no in, and by preset program running, passes through control centre（1), communication network（3), card-receiving bank account center（6), issuing bank's account center（7) etc., carry out smart card（4) block with trade company（5) the transfer operation between account；And,
Card-receiving bank account center（6) it is distribution merchant's card（5) computer account system of bank；
Issuing bank's account center（7) it is distribution smart card（4) computer account system of bank.
And, using such a method transferred accounts by Portable ATM, cash is extracted or is stored at the trade company of set ATM with its smart card for customer, it is characterised in that described method is by smart card（4) with key（A01 ATM is sent to after the data that) will transfer accounts encryption（2) trade company's card in（5), then by trade company block（5) with key（C01) data is encrypted, and passes through ATM（And communication network 2)（3) by data transmission to card-receiving bank account center（6) with issuing bank's account center（7), by card-receiving bank account center（6) use and key（C01 the key) matched（D01) data is decrypted, the data is represented after successful decryption is blocked by trade company（5) sent, and, issuing bank's account center（7) use and key（A01 the key) matched（B01) data decryption is restored and represents that the data is by smart card after the data of transferring accounts, successful decryption（4) sent, then card-receiving bank account center（6) with issuing bank's account center（7) relevant bank account operation is carried out according to data content of transferring accounts.
The advantage of the Portable ATM system of the present invention is to get preparation back when trade company can be by business to be stored in the cash of bank, pass through the Portable ATM system of the present invention, extracted directly to customer, so most banknote is just only circulated between customer and trade company, the human hand and cost that Xian Banknote are stored in bank can be lowered in trade company, and because ATM is without storing banknote, so the cost of ATM can be greatly reduced, bank can set ATM in more areas, can set ATM into any trade company.
'【Brief description of the drawings】
Fig. 1 is the primary structure square frame explanation figure of the portable ATM system of the present invention； Fig. 2 is the control centre of the portable ATM system of the present invention（1) primary structure square frame explanation figure；Fig. 3 is the ATM of the portable ATM system of the present invention（2) primary structure square frame explanation figure；Fig. 4 is the smart card of the portable ATM system of the present invention（4) primary structure square frame explanation figure；Fig. 5 is trade company's card of the portable ATM system of the present invention（5) primary structure square frame explanation figure；Fig. 6 is the main portable ATM by the present invention of card explanation figure the step of trade company withdraws the money；
Fig. 7 is the main portable ATM by the present invention of card explanation figure the step of merchant deposit.
In figure, identical digitized representation identical system, device, component devices, the numeral or the numeral of square frame of method and step circle and the straight line with arrow are marked.Accompanying drawing is schematical, the composition and the key step of method of the system to illustrate the present invention.
【Embodiment】
Below in conjunction with the accompanying drawings, the method to the present invention is described in further detail.
Refering to Fig. 1, Fig. 1 is the primary structure square frame explanation figure of the portable ATM system of the present invention, and the system shown in figure mainly includes control centre（1), one or more ATMs（2), communication network（3), many sheet smart cards（4), multiple trade companies block（5), card-receiving bank account center（6), issuing bank's account center（7), wherein,
ATM（2) it is arranged on predetermined trade company or the predetermined area, set ' ATM（2) any cash storage is had no in, and by preset program running, passes through control centre（1), communication network（3), card-receiving bank account center（6), issuing bank's account center（7) etc., carry out smart card（4) block with trade company（5) the transfer operation between account；Card-receiving bank account center（6) it is distribution merchant's card（5) computer account system of bank；
Issuing bank's account center（7) it is distribution smart card（4) computer account system of bank.
ATM in the withdrawal system of the present invention（2) it is not, ATM in general sense, in the present invention, it is even more the electronic installation of a collection communication and storage information, and its function illustrates that this is also one of important feature of the present invention in this manual.
Refering to Fig. 2, Fig. 2 is the control centre of the portable ATM system of the present invention（1) control centre shown in primary structure square frame explanation figure, figure（1) primary structure includes control centre's computer system（101) with many hands Machine（102), wherein, control centre's computer system（101) it is responsible for preserving and following the trail of all ATMs（2) running is recorded and to each ATM（2) it is monitored, by mobile phone (102) through communication network（3) with each ATM（2) line is communicated, wherein, each mobile phone for communication（102) special S Top cards are inserted with, each special SIM card has a special cell-phone telephone number, using the mobile phone of these special SIM cards, can only be with each ATM（2) communicate.
Refering to Fig. 3, Fig. 3 is the ATM of the portable ATM system of the present invention（2) described ATM is shown in primary structure square frame explanation figure, figure（2) primary structure includes controller（201), keyboard（202), display screen（203), printer（204), card reader（205), mobile phone（206), wherein, controller（201) CPU and memory are provided with, and is connected with other each parts, is operated by preset program, realize it is predetermined transfer accounts and the function such as data transfer, and, mobile phone（206) it is ATM and control centre（1) communication tool between, is mainly used in transmitting and reception data, mobile phone（206) special SIM card is inserted with, special SIM card is provided by cell phone network business, can only be with control centre（1) communicate, and, controller（201) a unique ATM number is stored in（207), and, in customer not from ATM（2) when extracting or being stored in cash, trade company's card（And ATM 5)（2) it is independent separate, is only just inserted when customer withdraws deposit.
With continued reference to Fig. 3, the ATM shown in figure（2) trade company's card is also included in（5), trade company's card in figure（5) it is shown in broken lines, represents trade company's card（5) being can be with ATM（2) independent separate, just blocks trade company when using（5) it is put into ATM（2) in.
Refering to Fig. 4, Fig. 4 is the smart card of the portable ATM system of the present invention（4) smart card shown in primary structure square frame explanation figure, figure（4) credit card issued by issuing bank, or debit card, or the bank cards such as card of withdrawing the money are referred to, its primary structure includes master chip（401), keyboard（402), display device（403), communication interface（404), power supply（405), wherein, master chip（401) CPU and memory are provided with, and is connected with other each parts, is operated by preset program, every predetermined function is realized, including transaction data is encrypted, decrypts, store, by communication interface (404) and ATM（2) card reader（205) transmit data, pass through display device（403) display information, pass through keyboard（402) functions such as the data of card primary input are read, and, smart card（4) by power supply（405) powered operation, described power supply（405) it can be battery or solar cell, and, master chip（401) provided with a unique card number in（And a key list 406)（), A key list（A stored in) a plurality of for encrypting and decrypting and checking smart card（4) key of identity（) and call number A01（A02), each call number（A02) one key of correspondence（A01). With continued reference to Fig. 4, the master chip shown in figure（401), can be by preset program from key list every time when transaction data is encrypted（A a unused key is extracted in)（A01) transaction data is encrypted, and, master chip（401), can be by preset program from key list every time when transaction data is decrypted（A) in extract one to should transaction data key
(A01) transaction data is decrypted, and, master chip（401), will be by this key after transaction data being encrypted or decrypted（A01) Delete are removed or thrown aside or labeled as having used, and make this key（A01) will not be again by the smart card（4) use, and, master chip ■ (401) is additionally provided with out bayonet socket order, every time using smart card（4) before, keyboard must be passed through with card person（402) input correct bayonet socket of opening to make, smart card could be used（4) operations are carried out.
In this manual, smart card（4) credit card or debit card or the withdraw the money bank cards, issuing bank's account center such as card issued by issuing bank are referred to（7) multiple smart card accounts, each smart card account one smart card of correspondence are provided with（4), provided with a key list in each smart card account（B), and the smart card corresponding to the smart card account is stored（4) card number（406) with an account password, key list（B a plurality of key is stored in)（) and multiple call numbers B01（B02), each call number（B02) one key of correspondence（B01), the key list in each smart card account（B) with the smart card of the account（4) key list in（A) into pair relationhip, each key
(B01) there is a key matched（), A01 the key matched for every a pair（) and key A01（B01) the call number corresponding to them（) and call number A02（B02) it is identical, and, issuing bank's account center（7), can be by preset program from key list every time when transaction data is encrypted（B a unused key is extracted in)（B01) transaction data is encrypted, and, issuing bank's account center（7), can be by preset program from key list every time when transaction data is decrypted（B) in extract one to should transaction data key（B01) transaction data is decrypted, and, issuing bank's account center（7), will be by this key after data being encrypted or decrypted（B01) delete or throw aside or labeled as having used, make this key（B01) will not be again by issuing bank's account center（7) use.
Refering to Fig. 5, Fig. 5 is trade company's card of the portable ATM system of the present invention（5) the trade company's card shown in primary structure square frame explanation figure, figure（5) primary structure includes trade company's the core of the card piece（501), keyboard (502), display device（503), communication interface（504), power supply（505), wherein, trade company's the core of the card piece（501) CPU and memory are provided with, and is connected with other each parts, is operated by preset program, every predetermined function is realized, including transaction data is encrypted, decrypts, store, by communication interface（And ATM 504)（2) controller（201) transmit data, pass through display device（503) display information, pass through keyboard（502) functions such as the data of trade company's input are read, with And, trade company's card（5) by power supply（505) powered operation, described power supply（505) it can be battery or solar cell or by ATM（2) power supply is supplied, and, trade company's the core of the card piece（501) provided with a unique card number in（And a key list 506)（C), key list（C a plurality of encrypting and decrypting and the checking trade company of being used for is stored in) to block（5) key of identity（) and call number C01（C02), each call number（C02) one key of correspondence（C01 ) .
With continued reference to Fig. 5, trade company's the core of the card piece is shown in figure（501), can be by preset program from key list every time when transaction data is encrypted（C a unused key is extracted in)（C01) transaction data is encrypted, and, trade company's the core of the card piece（501), can be by preset program from key list every time when transaction data is decrypted（C) in extract one to should transaction data key（C01) transaction data is decrypted, and, trade company's the core of the card piece（501), will be by this key after transaction data being encrypted or decrypted（C01) delete or throw aside or labeled as having used, make this key（C01) it will not be blocked again by the trade company
(5) use, and, trade company's the core of the card piece（501) provided with bayonet socket order is opened, trade company is blocked every time（5) ATM is inserted
(2) before use, keyboard must be passed through（502) input it is correct open bayonet socket order, trade company's card (5) verification open bayonet socket make it is errorless after, so that it may trade company is blocked（5) ATM is inserted（2) use.
In this manual, trade company blocks（5) it is that ATM is issued for by card-receiving bank（2) card used, trade company's card（5) specified ATM can only be coordinated（2) use, ATM（2) it is also to be arranged on by card-receiving bank in shop, card-receiving bank account center（6) multiple trade company's card accounts are provided with, each one trade company of card account correspondence of trade company card（5) with an ATM machines（2), provided with a key list in each trade company's card account（D), and store the trade company corresponding to trade company's card account card（5) trade company's card number（506) with corresponding ATM number（207) and an account password, key list
(D) a plurality of key is stored in（) and multiple call numbers D01（D02), each call number（D02) one key of correspondence（D01), the key list in each trade company's card account（D) trade company with the account blocks（5) key list in
(C) into pair relationhip, each key（D01) there is a key matched（C01), call number (C02) and call number (D02) of the key (C01) and key (D01) matched for every a pair corresponding to them are identicals, and, card-receiving bank account center（6), can be by preset program from key list every time when transaction data is encrypted（D a unused key is extracted in)（D01) transaction data is encrypted, and, card-receiving bank account center（6) every time when transaction data is decrypted, can be extracted by preset program out of key list (D) one to should transaction data key（D01) transaction data is decrypted, and, card-receiving bank account center（6), will be by this key after data being encrypted or decrypted (D01) Delete are removed or thrown aside or labeled as having used, and make this key（D01) will not be again by card-receiving bank account center（6) use.
Refering to Fig. 6, Fig. 6 is that the method that the main portable ATM by the present invention of card is shown the step of trade company withdraws the money in explanation figure, figure includes following A groups step, and being that card is main passes through ATM（2) by smart card（4) the money in bank account, which is transferred accounts to trade company, to be blocked（5) bank account, then gives card master by the cashier of trade company by the cash equal with transfer amounts, and specific step is following-
A1. block main in smart card（4) keyboard on（402) bayonet socket order, smart card are opened in input（4) in master chip (401) verification open bayonet socket make it is errorless after, pass through display device（403) display reminding information, cue card master can begin to use smart card（4), and the data such as card primary input withdraw funds and account password are guided；Smart card（4) master chip in（401) from key list in card（A a key is extracted in)（) and corresponding call number A01（A02), with the key（A01 data bag A encryptions) are turned into master chip after data bag B, encryption（401) from key list（A by the key in)（A01) delete；Described data bag A content includes card number（406), the data such as withdraw funds, account password；
Master chip（401) by data bag ^ withdraw funds, card number（406) with described call number（A02) composition data bag C;
A2. chief commander's smart card is blocked（4) it is put into ATM（2) card reader（205) on, smart card（4) communication interface is passed through（404) the data bag C described in step A1 is sent to ATMs（2) ；
A3. ATM（2) card reader is passed through（205) read after described data bag C, by ATM number（207), the data transmission such as data bag C is to ATM（2) trade company's card in（5) ；
Trade company blocks（5) trade company's the core of the card piece in（501) from key list in card（C a key is extracted in)（) and corresponding call number C01（C02), with the key（C01 data bag D encryptions) are turned into data bag E, trade company's the core of the card piece after encryption（501) from key list（C by the key in)（C01) delete；Described data bag D content includes trade company's card number（506), ATM number（207), the data such as data bag C；Trade company blocks（5) trade company's the core of the card piece in（501) by data bag E, trade company's card number（506), call number（) etc. C02 data composition data bag F, then passes through communication interface（504) described data bag F is sent to ATM machines (2)； ATM（2) communication network is passed through（And control centre 3)（1) data bag F is sent to card-receiving bank account center (6)；
A4. card-receiving bank account center（6) data bag E, trade company's card number are found from data bag F contents（506), call number（C02), from trade company's card number（506) find to should trade company's card number（506) trade company's card account, from call number（C02) in the key list of trade company's card account（D extracted and the call number in)（C02) identical call number（D02 the key corresponding to)（D01) data bag E decryption is restored and represents that data bag E is from trade company's card number after data bag D, successful decryption（506) trade company's card corresponding to（5) send, card iron chains row account center is received after decryption（6) from key list（D by the key in)（D01) delete；Card-receiving bank account center（6) data bag C, trade company's card number are found out from data bag D（506), ATM machines number（207), the data such as withdraw funds, checks the ATM number（207) with trade company's card number（506) whether belong to same trade company, verification both belong to same trade company it is errorless after, by data bag C, trade company's card number
(506), the data such as withdraw funds passes through control centre（1) it is sent to issuing bank's account center（7) request, which is withdrawn the money, pays；
A5. issuing bank's account center（7) receive data bag (, trade company's card number（506), after the data such as withdraw funds, data bag B, card number are found from data bag C contents（And call number 406)（A02), from card number（406) find to should card number（406) smart card account, from call number（A02) in the key list of the smart card account（B extracted and the call number in)（A02) identical call number（B02 the key corresponding to)（B01) data bag B decryption is restored and represents that data bag B is from the smart card corresponding to the card number (406) after data bag A, successful decryption（4) send, issuing bank's account center after decryption（7) from key list（B by the key in)（B01) delete；
Issuing bank's account center（7) card number is found out from data bag A（406), the data such as withdraw funds, account password, after verification withdraw funds are errorless, issuing bank's account center（7) verification account password and described card number（406) smart card account balance, after confirmation, from described card number（406) transferred accounts in smart card account withdraw funds money to described trade company's card number（506) at card-receiving bank account center（6) trade company's card account；
Issuing bank's account center after transferring accounts successfully（7) from the key list of described smart card account（B another key is extracted in)（) and corresponding call number B01（B02), with the key（B01) data bag 1 is added It is close to turn into data bag 2, issuing bank's account center after encryption（7) from key list（B by another key in)（B01) delete；The content of described data bag 1 includes card number（406), trade company's card number（506), transferred accounts the data such as withdraw funds；
Issuing bank's account center（7) by data bag 2, card number（406), the key（B01 call number)（B02), trade company's card number（506) data such as withdraw funds of, having transferred accounts composition data bag 3;
Issuing bank's account center（7) control centre is passed through（1) data bag 3 is sent to card-receiving bank account center（6) ；
A6. card-receiving bank account center（6) receive after data bag 3, data bag 2, card number (406), call number are found from data bag 3（B02), trade company's card number（506), transferred accounts the data such as withdraw funds, it is known that success of transferring accounts, the transaction details for withdrawal of transferring accounts have been stored；
Card-receiving bank account center（6) from trade company's card number（506) key list of trade company's card account（D another key is extracted in)（) and corresponding call number D01（D02), with the key（D01) data bag 3 is encrypted as data bag 4, card-receiving bank account center after encryption（6) by another key from key list (D)（D01) delete；
Card-receiving bank account center（6) by data bag 4, trade company's card number（506), call number（The data composition data bag 5 such as D02);
Card-receiving bank account center（6) control centre is passed through（And communication network 1)（3) data bag 5 is sent to ATM（2) ；
A7. ATM（2) receive after data bag 5, send data bag 5 to ATM（2) trade company's card in（5)；Trade company blocks（5) trade company's the core of the card piece in（501) data bag 4, trade company's card number are found from data bag 5（506), call number（The data such as D02), from call number（D02) in trade company's the core of the card piece（501) key list（D extracted and the call number in)（D02) identical call number（C02 the key corresponding to)（C01) decryption of data bag 4 is restored and represents that the data bag 4 is sent by card-receiving bank account center (6) after data bag 3, successful decryption, data bag 2, card number are found from data bag 3（406), call number（A02), trade company's card number（506), transferred accounts the data such as withdraw funds, trade company's the core of the card piece（501) data of the transaction is stored in trade company's the core of the card piece（501) in the memory in, trade company's the core of the card piece after decryption（501) from key list（C by the key in)（C01) delete； Trade company blocks（5) data bag 3 is sent to ATM（2) ；
ATM（2) display screen is passed through（203) withdraw funds of having transferred accounts are shown, and pass through printer（204) printing receipt is led to card, then sends data bag 3 to smart card by card reader（4), while cashier sees display screen（203) show after the information for withdraw funds of having transferred accounts, it is known that transfer accounts and withdraw the money successfully, the cash equal with withdraw funds is counted immediately and is led to card；
Smart card（4) master chip in（401) data bag 2, card number are found from data bag 3（406), call number（B02), trade company's card number（506), transferred accounts the data such as withdraw funds, from call number（B02) in master chip（401) key list（A extracted and the call number in)（B02) identical call number（A02 the key corresponding to)（A01) decryption of data bag 2 is restored and represents that the data bag 2 is by issuing bank's account center after data bag 1, successful decryption（7) sent, master chip（401) data of the transaction is stored in master chip（401) in the memory in, master chip after decryption（401) from key list（A by the key in)（A01) delete；
Master chip（401) card number is found from data bag 1（406), trade company's card number（506), transferred accounts the data such as withdraw funds, passed through display device（403) withdraw funds that will transfer accounts are shown to card master and seen, and, master chip（401) it is automatic by smart card（4) lock, the smart card after locking（4) to input correct open after bayonet socket makes could use.
Refering to Fig. 7, Fig. 7 is that the method that the main portable ATM by the present invention of card is shown the step of merchant deposit in explanation figure, figure includes following B groups step, is trade company generation card chief commander cash deposit smart card（4) the step of bank account, it is that card chief commander will be stored in the cash of account and give cashier, ATM is passed through by cashier（2) block from trade company（5) money of the amount of money equal with cash of transferring accounts in bank account is to smart card（4) bank account, then trade company is again from the cash deposit bank for being about to receive, and specific step is following-
B1. block main in smart card（4) keyboard on（402) bayonet socket order, smart card are opened in input（4) in master chip (401) verification open bayonet socket make it is errorless after, pass through display device（403) display reminding information, cue card master can begin to use smart card（4) ；
Block main ^ (cash that be respectively stored in account gives shop cashier, cashier count after in ATM（2) keyboard on（202) input amount deposited and ATM（2) trade company's card in（5) data such as account password； B2. chief commander's smart card is blocked（4) it is put into ATM（2) card reader（205) on, smart card（4) communication interface is passed through（404) by card number（406) ATM is sent to（2) ；
B3. ATM（2) by card number（406) with ATM number（And the data transmission such as the amount deposited that inputs in step bl is determined. of cashier and account password is to ATM 207)（2) trade company's card in（5) ；
Trade company blocks（5) trade company's the core of the card piece in（501) from key list in card（C a key is extracted in)（) and corresponding call number C01（C02), with the key（C01) by data bag！Encryption turns into data bag S, trade company's the core of the card piece after encryption（501) from key list（C by the key in)（C01) delete；Described data bag R content includes trade company's card number（506), ATM number（207), amount deposited, account password, card number（406) data such as；
Trade company blocks（5) trade company's the core of the card piece in（501) by data bag S, trade company's card number（506), call number（) etc. C02 data composition data bag T, then passes through communication interface（504) described data bag Τ is sent to ATM machines (2)；
ATM（2) communication network is passed through（And control centre 3)（1) data bag T is sent to card-receiving bank account center（6) ；
B4. card-receiving bank account center（6) data bag S, trade company's card number are found from data bag T contents（506), call number（C02), from trade company's card number（506) find to should trade company's card number（506) trade company's card account, from call number（C02) in the key list of trade company's card account（D extracted and the call number in)（C02) identical call number（D02 the key corresponding to)（D01) data bag S decryption is restored and represents that data S is from trade company's card number after data bag R, successful decryption（506) trade company's card corresponding to（5) send, card-receiving bank account center after decryption（6) from key list（D by the key in)（D01) delete；Card-receiving bank account center（6) trade company's card number is found out from data bag R（506), ATM number（207), amount deposited, account password, card number（Etc. 406) data, checks the ATM number（207) with trade company's card number（506) whether belong to same trade company, verification both belong to same trade company it is errorless after, account password is rechecked, from described trade company's card number after complete check is errorless（506) money of the exchange slip amount of money is to the intelligent card numbers in trade company's card account（406) at hair fastener iron chains row account center（7) smart card account；
B5. issuing bank's account center after transferring accounts successfully（7) from the key list of described smart card account（B a key is extracted in)（) and corresponding call number B01（B02), with the key（B01) data bag 6 is encrypted As data bag 7, issuing bank's account center after encryption（7) from key list（B by another key in)（B01) delete；The content of described data bag 6 includes card number（406), trade company's card number（506), the data such as exchange slip amount of money；
Issuing bank's account center（7) by data bag 7, card number（406), the key（B01 call number)（B02), trade company's card number（506), the data such as exchange slip amount of money constitutes data bag 8;
Issuing bank's account center（7) control centre is passed through（1) data bag 8 is sent to card-receiving bank account center（6) ；
B6. card-receiving bank account center (6) are received after data bag 8, and data bag 7, card number (406), call number are found from data bag 8（B02), trade company's card number（506), the data such as exchange slip amount of money, it is known that exchange slip success, the transaction details of exchange slip are stored；
Card-receiving bank account center（6) from trade company's card number（506) key list of trade company's card account（D another key is extracted in)（) and corresponding call number D01（D02), with the key（D01) one data bag 8 is encrypted as data bag 9, card-receiving bank account center after encryption（6) from key list（D by another key in)（D01) delete；
Card-receiving bank account center（6) by data bag 9, trade company's card number（506), call number（The data composition data bag 10 such as D02);
Card-receiving bank account center（6) control centre is passed through（And communication network 1)（3) data bag 10 is sent to ATM（2) ；
B7. ATM（2) receive after data bag 10, send data bag 10 to ATM（2) trade company's card in（5)；Trade company blocks（5) trade company's the core of the card piece in（501) data bag 9, trade company's card number are found from data bag 10（506), call number（The data such as D02), from call number（D02) in trade company's the core of the card piece（501) key list（D extracted and the call number in)（D02) identical call number（C02 the key corresponding to)（C01) decryption of data bag 9 is restored and represents that the data bag 9 is sent by card-receiving bank account center (6) after data bag 8, successful decryption, data bag 7, card number are found from data bag 8（406), call number（A02), trade company's card number（506), the data such as exchange slip amount of money, trade company's the core of the card piece（501) the transfer accounts transaction data of money of this is stored in trade company's the core of the card piece（501) in the memory in, trade company's the core of the card piece after decryption（501) from key list（C by the key in)（C01) delete； Trade company blocks（5) data bag 8 is sent to ATM（2);
ATM（2) by data bag 8 by card reader send to smart card '（4), and ATM is passed through（2) display screen（203) show that the exchange slip amount of money, and printing receipt are led to card；
Smart card（4) master chip in（401) data bag 7, card number are found from data bag 8（406), call number（B02), trade company's card number（506), the data such as exchange slip amount of money, from call number（B02) in master chip（401) key list（A extracted and the call number in)（B02) identical call number（A02 the key corresponding to)（A01) decryption of data bag 7 is restored and represents that the data bag 7 is by issuing bank's account center after data bag 6, successful decryption（7) sent, master chip（401) transaction data of this exchange slip is stored in master chip（401) in the memory in, master chip after decryption（401) from key list
(A) by the key in（A01) Delete are removed；
Master chip（401) card number is found from data bag 6（406), trade company's card number（506), the data such as the sixth of the twelve Earthly Branches exchange slip amount of money, passes through display device（403) the exchange slip amount of money is shown into card master to see, and, master chip（401) it is automatic by smart card（4) lock, the smart card after locking（4) to input correct open after bayonet socket makes could use.
The portable ATM system architecture of the present invention is simple, with low cost, and trade company is mounted with the portable ATM of the present invention（2) cash of bank will be stored in by getting preparation back after, when can be by business, pass through ATM（2) extracted directly to customer, the human hand and cost that cash is stored in bank can be lowered in trade company, more can be to the charge customers service charge withdrawn deposit or deposited.The implementation of the present invention, can both make things convenient for customers, and also bring income for trade company, to customer and to producer's all very benifits.

Claims (1)

  1. Claim
    1. a kind of portable ATM system, extracts or is stored in cash at the trade company of set ATM with its smart card, it is characterised in that described system mainly includes control centre for customer（1), one or more ATMs
    (2), communication network（3), many sheet smart cards（4), multiple trade companies block（5), card-receiving bank account center (6), issuing bank's account center（7),
    Wherein,
    ATM（2) predetermined trade company or the predetermined area, set ATM are arranged on（2) any cash storage is had no in, and by preset program running, passes through control centre（1), communication network（3), card-receiving bank account center (6), issuing bank's account center（7) etc., carry out smart card（4) block with trade company（5) the transfer operation between account;
    And,
    Card-receiving bank account center（6) it is distribution merchant's card（5) computer account system of bank；
    Issuing bank's account center（7) it is distribution smart card（4) the computer account systems of bank.
    2. portable ATM system as claimed in claim 1, it is characterised in that described control centre（1) primary structure includes control centre's computer system（101) with many mobile phones（102), wherein, control centre's computer system（101) it is responsible for preserving and following the trail of all ATMs（2) running is recorded and to each ATM（2) it is monitored, passes through mobile phone（102) through communication network（3) with each ATM（2) line is communicated, wherein, each mobile phone for communication（102) special SIM card is inserted with, each special SIM card has a special cell-phone telephone number, using the mobile phone of these special SIM cards, can only be with each ATM（2) communicate.
    3. portable ATM system as claimed in claim 1 or 2, it is characterised in that described ATM（2) primary structure includes controller（201), keyboard (202), display screen（203), printer（204), card reader（205), mobile phone（206), wherein, controller（201) CPU and memory are provided with, and is connected with other each parts, is operated by preset program, realize it is predetermined transfer accounts and the function such as data transfer, and, mobile phone（206) it is ATM and control centre（1) communication tool between, is mainly used in transmitting and reception data, Mobile phone (206) is inserted with special SIM card, and special SIM card is provided by cell phone network business, can only be with control centre（1) communicate, and, controller（201) a unique ATM number is stored in（207), and, in customer not from ATM（2) when extracting or being stored in cash, trade company's card（And ATM 5)（2) it is independent separate, is only just inserted when customer withdraws deposit.
    4. portable ATM system as claimed in claim 1, it is characterised in that described smart card（4) credit card issued by issuing bank, or debit card, or the bank cards such as card of withdrawing the money are referred to, its primary structure includes master chip
    (401), keyboard（402), display device（403), communication interface（404), power supply（405), wherein, master chip（401) CPU and memory are provided with, and is connected with other each parts, is operated by preset program, every predetermined function is realized, including transaction data is encrypted, decrypts, store, by communication interface（And ATM 404)（2) card reader（205) transmit data, pass through display device（403) display information, pass through keyboard（402) functions such as the data of card primary input are read, and, smart card（4) by power supply（405) powered operation, described power supply（405) it can be battery or solar cell,
    And,
    Master chip（401) provided with a unique card number in（And a key list 406)（A), key list（A stored in) a plurality of for encrypting and decrypting and checking smart card（4) key of identity（) and call number A01（A02), each call number（A02) one key of correspondence（A01) .
    5. the portable ATM system as described in wooden fork profit requires 1 or 4, it is characterised in that described master chip（401), can be by preset program from key list every time when transaction data is encrypted（A a unused key is extracted in)（A01) transaction data is encrypted, and, master chip（401) every time when transaction data is decrypted, can be extracted by preset program out of key list (A) one to should transaction data key（A01) transaction data is decrypted, and, master chip（401), will be by this key after transaction data being encrypted or decrypted（A01) delete or throw aside or labeled as having used, make this key (A01) will not be again by the smart card（4) use. Portable ATM system as claimed in claim 4, it is characterised in that described master chip（401) also set ' there is out bayonet socket order, every time using smart card（4) before, it must be made with card person by the correct bayonet socket of opening of keyboard (402) input, smart card could be used（4) operations are carried out.Portable ATM system as claimed in claim 1, it is characterised in that described trade company's card（5) primary structure includes trade company's the core of the card piece（501), keyboard（502), display device（503), communication interface（504), power supply（505), wherein, ' trade company's the core of the card piece（501) CPU and memory are provided with, and is connected with other each parts, is operated by preset program, every predetermined function is realized, including transaction data is encrypted, decrypts, store, by communication interface（And ATM 504)（2) controller（201) transmit data, pass through display device（503) display information, the function such as data that trade company inputs read by keyboard (502), and, trade company's card（5) by power supply（505) powered operation, described power supply（505) it can be battery or solar cell or by ATM（2) power supply is supplied,
    And,
    Trade company's the core of the card piece（501) provided with a unique card number in（And a key list 506)（C), key list（C a plurality of encrypting and decrypting and the checking trade company of being used for is stored in) to block（5) key of identity（) and call number C01（C02), each call number（C02) one key of correspondences（C01) .Portable ATM system as described in claim 1 or 7, it is characterised in that when described trade company's the core of the card piece (501) every time encrypts transaction data, can be by preset program from key list（C a unused key is extracted in)（C01) transaction data is encrypted, and, trade company's the core of the card piece（501), can be by preset program from key list every time when transaction data is decrypted（C) in extract one to should transaction data key（C01) transaction data is decrypted, and, trade company's the core of the card piece（501), will be by this key after transaction data being encrypted or decrypted（C01) delete or throw aside or labeled as having used, make this key（C01) it will not be blocked again by the trade company（5) use.Portable ATM system as claimed in claim 8, it is characterised in that described trade company's the core of the card piece（501) provided with bayonet socket order is opened, trade company is blocked every time（5) ATM is inserted（2) before use, keyboard must be passed through（502) Input is correct to open bayonet socket order, trade company's card（5) verification open bayonet socket make it is errorless after, so that it may trade company is blocked（5) ATM is inserted（2) use.
    10. the portable ATM system as described in claim 1 or 7, it is characterised in that described card-receiving bank account center（6) multiple trade company's card accounts are provided with, each one trade company of card account correspondence of trade company card（5) with an ATM machines（2), provided with a key list in each trade company's card account（D), and store the trade company corresponding to trade company's card account card（5) trade company's card number（506) with corresponding ATM number（207) and an account password, key list（D a plurality of key is stored in)（) and multiple call numbers D01（D02), each call number（D02) one key of correspondence（D01), the key list in each trade company's card account（D) trade company with the account blocks（5) key list in（C) into pair relationhip, each key（D01) there is a key matched（C01), the key matched for every a pair（) and key C01（D01) the call number corresponding to them（) and call number C02
    (D02) it is identical.
    11. the portable ATM system as described in claim 1 or 4, it is characterised in that described issuing bank's account center（7) multiple smart card accounts, each smart card account one smart card of correspondence are provided with（4), provided with a key list (B) in each smart card account, and the smart card corresponding to the smart card account is stored（4) card number（406) with an account password, key list（B a plurality of key is stored in)（) and multiple call numbers B01（B02), each call number（B02) one key of correspondence（B01), the key list in each smart card account（B) with the smart card of the account（4) key list in（A) into pair relationhip, each key
    (B01) there is a key matched（A01), the key matched for every a pair（) and key A01（B01) the call number corresponding to them（) and call number A02（B02) it is identical.
    12. portable ATM system as claimed in claim 10, it is characterised in that described card-receiving bank account center（6) when transaction data is encrypted every time, a unused key can be extracted out of key list (D) by preset program（D01) transaction data is encrypted, and, card-receiving bank account center（6), can be by preset program from key list every time when transaction data is decrypted（D) in extract one to should transaction data key（D01) transaction data is decrypted, and, card-receiving bank account center（6), will be by this key after data being encrypted or decrypted（D01) Delete or throw aside or labeled as having used, make this key（D01) will not be again by card-receiving bank account center（6) use.
    13. portable ATM system as claimed in claim 11, it is characterised in that described issuing bank's account center（7) when transaction data is encrypted every time, a unused key can be extracted out of key list (B) by preset program（B01) transaction data is encrypted, and, issuing bank's account center（7), can be by preset program from key list every time when transaction data is decrypted（B) in extract one to should transaction data key（B01) transaction data is decrypted, and, issuing bank's account center（7), will be by this key after data being encrypted or decrypted（B01) delete or throw aside or labeled as having used, make this key（B01) will not be again by issuing bank's account center（7) use.
    14. a kind of method transferred accounts by Portable ATM, extracted for customer with its smart card from the trade company of set ATM or deposit cash, using system any in claim 1 to 13, and, characterized in that, the method described in is by smart card（4) with key（A01 ATM is sent to after the data that) will transfer accounts encryption（2) trade company's card in（5), then by trade company block（5) with key（C01) data is encrypted, and passes through ATM（And communication network 2)（3) by data transmission to card-receiving bank account center（6) with issuing bank's account center（7), by card-receiving bank account center（6) use and key（C01 the key) matched（D01) data is decrypted, the data is represented after successful decryption is blocked by trade company（5) sent, and, issuing bank's account center（7) use and key（A01 the key) matched（B01) data decryption is restored and represents that the data is by smart card after the data of transferring accounts, successful decryption（4) sent, then card-receiving bank account center（6) and issuing bank's account ' center（7) relevant bank account operation is carried out according to data content of transferring accounts.
    15. the method as claimed in claim 14 transferred accounts by Portable ATM, it is characterised in that described method includes following A groups step, which is that card is main, passes through ATM（2) by smart card（4) the money in bank account, which is transferred accounts to trade company, to be blocked（5) bank account, then gives card master, specific step is as follows by the cashier of trade company by the cash equal with transfer amounts： Al. block main in smart card（4) keyboard on（402) bayonet socket order, smart card are opened in input（4) in master chip (401) verification open bayonet socket make it is errorless after, pass through display device（403) display reminding information, cue card master can begin to use smart card（4), and the data such as card primary input withdraw funds and account password are guided；Smart card（4) master chip in（401) from key list in card（A a key is extracted in)（) and corresponding call number A01（A02), with the key（A01 data bag A encryptions) are turned into data bag B, master chip after encryption（401) from key list（A by the key in)（A01) delete；Described data bag A content includes card number（406), the data such as withdraw funds, account password；
    Master chip（401) by data bag 8, withdraw funds, card number（406) with described call number（A02) composition data bag C;
    A2. chief commander's smart card is blocked（4) it is put into ATM（2) in card reader (205), smart card（4) communication interface is passed through（404) the data bag C described in step A1 is sent to ATMs（2) ；
    A3. ATM（2) read by card reader (205) after described data bag C, by ATM number（207), the data transmission such as data bag C is to ATM（2) trade company's card (5) in；
    Trade company blocks（5) trade company's the core of the card piece in（501) from key list in card（C a key is extracted in)（) and corresponding call number C01（C02), with the key（C01 data bag D encryptions) are turned into data bag ￡, trade company's the core of the card piece after encryption（501) from key list（C by the key in)（C01) delete；Described data bag D content includes trade company's card number（506), ATM number（207), the data such as data bag C；Trade company blocks（5) trade company's the core of the card piece in（501) by data bag E, trade company's card number（506), call number（) etc. C02 data composition data bag F, then passes through communication interface（504) described data bag F is sent to ATM machines (2)；
    ATM（2) communication network is passed through（And control centre 3)（1) data bag F is sent to card-receiving bank account center（6) ； '
    A4. card-receiving bank account center（6) data bag E, trade company's card number are found from data bag F contents（506), call number（C02), from trade company's card number（506) find to should trade company's card number（506) trade company's card account, from call number（C02) in the key list of trade company's card account（D extracted and the call number in)（C02) identical call number（D02 the key corresponding to)（D01 data bag E decryption) is restored into data bag D, It is from trade company's card number that data bag E is represented after successful decryption（506) trade company's card corresponding to（5) send, card iron chains row account center is received after decryption（6) from key list（D by the key in)（D01) delete；Card-receiving bank account center（6) data bag is found out from data bag D（：, trade company's card number（506), ATM machines number（207), the data such as withdraw funds, checks the ATM number（207) with trade company's card number（506) whether belong to same trade company, verification both belong to same trade company it is errorless after, by data bag C, trade company's card number
    (506), the data such as withdraw funds passes through control centre（1) it is sent to issuing bank's account center（7) request, which is withdrawn the money, pays；
    A5. issuing bank's account center（7) data bag C, trade company's card number are received（506), after the data such as withdraw funds, data bag B, card number are found from data bag C contents（And call number 406)（A02), from card number（406) find to should card number（406) smart card account, from call number（A02) in the key list of the smart card account（B extracted and the call number in)（A02) identical call number（B02 the key corresponding to)（B01) 4 every data bag B decryption, which are restored, represents that data bag B is from the card number after data bag A, successful decryption（406) smart card corresponding to（4) send, issuing bank's account center after decryption（7) from key list（B by the key in)（B01) delete；
    Issuing bank's account center（7) card number is found out from data bag A（406), the data such as withdraw funds, account password, after verification withdraw funds are errorless, issuing bank's account center（7) verification account password and described card number（406) smart card account balance, after confirmation, from described card number（406) transferred accounts in smart card account withdraw funds money to described trade company's card number（506) at card-receiving bank account center（6) trade company's card account；
    Issuing bank's account center after transferring accounts successfully（7) from the key list of described smart card account（B another key is extracted in)（) and corresponding call number B01（B02), with the key（B01) data bag 1 is encrypted as data bag 2, issuing bank's account center after encryption（7) from key list（B by another key in)（B01) Delete are removed；The content of described data bag 1 includes card number（406), trade company's card number（506), transferred accounts the data such as withdraw funds；
    Issuing bank's account center（7) by data bag 2, card number（406), the key（B01 call number)（B02), trade company's card number（506) data such as withdraw funds of, having transferred accounts composition data bag 3; Issuing bank's account center（7) control centre is passed through（1) data bag 3 is sent to card-receiving bank account center（6) ；
    A6. card-receiving bank account center（6) receive after data bag 3, data bag 2, card number (406), call number are found from data bag 3（B02), trade company's card number（506), transferred accounts the data such as withdraw funds, knows success of transferring accounts, the transaction details for withdrawal of transferring accounts have been stored；
    Card-receiving bank account center（6) from trade company's card number（506) key list of trade company's card account（D another key is extracted in)（) and corresponding call number D01（D02), with the key（D01) data bag 3 is encrypted as data bag 4, card-receiving bank account center after encryption（6) from key list（D by another key in)（D01) delete；
    Card-receiving bank account center（6) by data bag 4, trade company's card number（506), call number（The data composition data bag 5 such as D02);
    Card-receiving bank account center（6) control centre is passed through（And communication network 1)（3) data bag 5 is sent to ATM（2) ；
    A7. ATM（2) receive after data bag 5, send data bag 5 to ATM（2) trade company's card in（5) ；Trade company blocks（5) trade company's the core of the card piece in（501) data bag 4, trade company's card number are found from data bag 5（506), call number（The data such as D02), from call number（D02) in trade company's the core of the card piece（501) key list（D extracted and the call number in)（D02) identical call number（C02 the key corresponding to)（C01) decryption of data bag 4 is restored and represents that the data bag 4 is sent by card-receiving bank account center (6) after data bag 3, successful decryption, data bag 2, card number are found from data bag 3（406), call number（A02), trade company's card number（506), transferred accounts the data such as withdraw funds, trade company's the core of the card piece（501) data of the transaction is stored in trade company's the core of the card piece（501) in the memory in, trade company's the core of the card piece after decryption（501) from key list（C by the key in)（C01) delete；
    Trade company blocks（5) data bag 3 is sent to ATM（2);
    ATM（2) display screen is passed through（203) withdraw funds of having transferred accounts are shown, and pass through printer（204) printing receipt is led to card, then sends data bag 3 to smart card by card reader（4), while cashier sees display screen（203) show after the information for withdraw funds of having transferred accounts, it is known that transfer accounts and withdraw the money successfully, Xian Banknote equal with withdraw funds is counted immediately and is led to card； Smart card（4) master chip in（401) data bag 2, card number are found from data bag 3（406), No. I (B02), trade company's card number of Suo Gong（506), transferred accounts the data such as withdraw funds, from call number（B02) in master chip（401) key list（A extracted and the call number in)（B02) identical call number（A02 the key corresponding to)（A01) decryption of data bag 2 is restored and represents that the data bag 2 is by issuing bank's account center after data bag 1, successful decryption（7) sent, master chip（401) data of the transaction is stored in master chip（401) in the memory in, master chip after decryption（401) from key list（A by the key in)（A01) delete；
    Master chip（401) card number is found from data bag 1（406), trade company's card number（506), transferred accounts the data such as withdraw funds, be shown to card master by display device (403) withdraw funds that will transfer accounts and see, and, master chip（401) it is automatic by smart card（4) lock, the smart card after locking（4) to input correct open after bayonet socket makes could use.
    16. the method as claimed in claim 14 transferred accounts by Portable ATM, it is characterised in that described method includes following B groups step, is trade company generation card chief commander cash deposit smart card（4) the step of bank account, it is that card chief commander will be stored in the cash of account and give cashier, ATM is passed through by cashier（2) block from trade company（5) money of the amount of money equal with cash of transferring accounts in bank account is to smart card（4) bank account, then trade company is again from the cash deposit bank for being about to receive, and specific step is following-
    B1. block main in smart card（4) keyboard on（402) bayonet socket order, smart card are opened in input（4) in master chip (401) verification open bayonet socket make it is errorless after, pass through display device（403) display reminding information, cue card master can begin to use smart card（4) ；
    The cash that card chief commander will be stored in account gives shop cashier, cashier count after in ATM（2) keyboard on（202) input amount deposited and ATM（2) trade company's card in（5) data such as account password；B2. chief commander's smart card is blocked（4) it is put into ATM（2) card reader（205) on, smart card（4) communication interface is passed through（404) by card number（406) ATM is sent to（2) ；
    B3. ATM（2) by card number（406) with ATM number（And the data transmission such as the amount deposited that inputs in step bl is determined. of cashier and account password is to ATM 207)（2) trade company's card in（5) ； Trade company blocks（5) trade company's the core of the card piece in（501) from key list in card（C a key is extracted in)（) and corresponding call number C01（C02), with the key（C01 data bag R encryptions) are turned into data bag S, trade company's the core of the card piece after encryption（501) from key list（C by the key in)（C01) delete；Described data bag R content includes trade company's card number（506), ATM number（207), the data such as amount deposited, account password, card number (406)；
    Trade company blocks（5) trade company's the core of the card piece in（501) by data bag S, trade company's card number（506), call number（) etc. C02 data composition data bag T, then passes through communication interface（504) described data bag Τ is sent to ATM machines (2)；
    ATM（2) communication network is passed through（And control centre 3)（1) data bag T is sent to card-receiving bank account center（6) ；
    B4. the blunt row account center of card is received（6) data bag S, trade company's card number are found from data bag Τ contents（506), call number（C02), from trade company's card number（506) find to should trade company's card number（506) trade company's card account, from call number（C02) in the key list of trade company's card account（D extracted and the call number in)（C02) identical call number（D02 the key corresponding to)（D01) data bag S decryption is restored and represents that data bag S is from trade company's card number after data bag R, successful decryption（506) trade company's card corresponding to（5) send, card-receiving bank account center after decryption（6) from key list（D by the key in)（D01) delete；Card-receiving bank account center（6) trade company's card number is found out from data bag R（506), ATM number（207), amount deposited, account password, card number（Etc. 406) data, checks the ATM number（207) with trade company's card number（506) same trade company whether is belonged to, verification both belong to same trade company it is errorless after, account password is rechecked, from the money of the exchange slip amount of money in described trade company card number (506) trade company's card account to the intelligent card numbers after complete check is errorless（406) at issuing bank's account center（7) smart card account；
    B5. issuing bank's account center after transferring accounts successfully（7) key is extracted out of described smart card account key list (B)（) and corresponding call number B01（B02), with the key（B01) data bag 6 is encrypted as data bag 7, issuing bank's account center after encryption（7) from key list（B in) by this another it is close ' key（B01) delete；The content of described data bag 6 includes card number（406), trade company's card number（506), the data such as exchange slip amount of money； Issuing bank's account center（7) by data bag 7, card number（406), the key（B01 call number)（B02), trade company's card number（506), the data such as exchange slip amount of money constitutes data bag 8;
    Issuing bank's account center（7) control centre is passed through（1) data bag 8 is sent to card-receiving bank account center (6)；
    B6. card-receiving bank account center（6) receive after data bag 8, data bag 7, card number (406), call number are found from data bag 8（B02), trade company's card number（506), the data such as exchange slip amount of money, it is known that exchange slip success, the transaction details of exchange slip are stored；
    Card-receiving bank account center（6) ' from trade company's card number（506) key list of trade company's card account（D another key is extracted in)（) and corresponding call number D01（D02), with the key（D01) data bag 8 is encrypted as data bag 9, card-receiving bank account center after encryption（6) from key list（D by another key in)（D01) delete；
    Card-receiving bank account center（6) by data bag 9, trade company's card number（506), call number（The data composition data bag 10 such as D02)；
    Card-receiving bank account center（6) control centre is passed through（And communication network 1)（3) data bag 10 is sent to ATM（2) ；
    B7. ATM（2) receive after data bag 10, send data bag 10 to ATM（2) trade company's card in（5)；Trade company's the core of the card piece (501) in trade company's card (5) finds data bag 9, trade company's card number (506), call number from data bag 10（The data such as D02), from call number（D02) in trade company's the core of the card piece（501) key list（D extracted and the call number in)（D02) identical call number（C02 the key corresponding to)（C01) decryption of data bag 9 is restored and represents that the data bag 9 is sent by card-receiving bank account center (6) after data bag 8, successful decryption, data bag 7, card number are found from data bag 8（406), call number（A02), trade company's card number（506), the data such as own exchange slip amount of money, trade company's the core of the card piece（501) transaction data of this exchange slip is stored in trade company's the core of the card piece（501) in the memory in, trade company's the core of the card piece after decryption（501 )
    From key list（C by the key in)（C01) delete；
    Trade company blocks（5) data bag 8 is sent to ATM（2) ；
    ATM（2) data bag 8 is sent to smart card by card reader（4), and ATM is passed through（2) display screen（203) show that the exchange slip amount of money, and printing receipt are led to card； Smart card（4) master chip in（401) data bag 7, card number are found from data bag 8（406), call number（B02), trade company's card number（506), the data such as exchange slip amount of money, from call number（B02) in master chip（401) key list（A extracted and the call number in)（B02) identical call number（A02 the key corresponding to)（A01) decryption of data bag 7 is restored and represents that the data bag 7 is by issuing bank's account center after data bag 6, successful decryption（7) sent, master chip（401) transaction data of this exchange slip is stored in master chip（401) in the memory in, master chip after decryption（401) from key list
    (A) by the key in（A01) delete；
    Master chip（401) card number is found from data bag 6（406), trade company's card number（506), the data such as the sixth of the twelve Earthly Branches exchange slip amount of money, passes through display device（403) the exchange slip amount of money is shown into card master to see, and, master chip（401) it is automatic by smart card（4) lock, the smart card after locking（4) to input correct open after bayonet socket makes could use.
CN2007801001847A 2007-08-08 2007-08-08 Portable ATM system and withdrawing/depositing cash methods thereof Pending CN101933035A (en)

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CN103955827A (en) * 2014-04-15 2014-07-30 平安付智能技术有限公司 Money withdrawing method based on mobile phone terminal

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US6064988A (en) * 1987-08-17 2000-05-16 Thomas; Harold K. Data processing system including transaction authorization device
JP3819163B2 (en) * 1998-10-29 2006-09-06 グローリー工業株式会社 Sales price circulation system
JP2000200377A (en) * 1999-01-07 2000-07-18 Sanyo Electric Co Ltd Device for depositing money in card
AU780267B2 (en) * 1999-03-30 2005-03-10 Simplus (Proprietary) Limited A method of conducting financial transactions
AUPQ564400A0 (en) * 2000-02-16 2000-03-09 Ong, Yong Kin (Michael) Electronic credit card-ecc
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