CN101945118B - Method, device and system for realizing reserved withdrawal service - Google Patents

Method, device and system for realizing reserved withdrawal service Download PDF

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Publication number
CN101945118B
CN101945118B CN201010298885XA CN201010298885A CN101945118B CN 101945118 B CN101945118 B CN 101945118B CN 201010298885X A CN201010298885X A CN 201010298885XA CN 201010298885 A CN201010298885 A CN 201010298885A CN 101945118 B CN101945118 B CN 101945118B
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enchashment
authorization code
bank
terminal
image
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CN101945118A (en
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李东声
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Tendyron Technology Co Ltd
Beijing Tendyron Technology Co Ltd
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Tendyron Technology Co Ltd
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Abstract

The invention provides a method, a device and a system for realizing a reserved withdrawal service. The method comprises the steps that: an electronic signature device generates a withdrawal authorization code in a character string form according to withdrawal authorization code algorithm and converts the withdrawal authorization code in the character string form into a withdrawal authorization code image; the electronic signature device displays the withdrawal authorization code image or sends the withdrawal authorization code image to a mobile phone for display, or the mobile phone photographs and displays the withdrawal authorization code image; a camera at a bank terminal photographs the withdrawal authorization code image displayed by the electronic signature device or the mobile phone and sends the withdrawal authorization code image to a bank server; and the bank server extracts a withdrawal authorization code to be verified from the withdrawal authorization code image sent by the bank server and verifies the withdrawal authorization code to be verified. The method, the device and the system can effective prevent reveal of the withdrawal authorization code and guarantee traction security.

Description

A kind of implementation method of reserved withdrawal service, device and system
Technical field
The present invention relates to the application of electronic technology field, relate in particular to a kind of implementation method, device and system of reserved withdrawal service.
Background technology
Want to do shopping, short of money in wallet, bank card is not with again; Father and mother far away from native place do not have bank card to be badly in need of again spending money; During out on tours, wallet is not very lost, and is unfamiliar with the place and the people, do not know that this cries for help to whom ... many people may run into such trouble in life.
For above-mentioned actual demand, some business bank has released reserved withdrawal service, and can realize need not bank card also can enchashment on ATM.
The basic procedure of reserved withdrawal service of the prior art as shown in Figure 1, comprises the steps:
Step 101: the user is registered as the client of Mobile banking, and the cell-phone number of oneself and bank card are bound, and opens the function of Mobile banking;
Step 102: the user after the login interface input handset number login of Mobile banking, enters the respective interface of reservation enchashment, the amount of money of input bank card number, the reservation code of oneself setting and reservation enchashment;
Step 103: after the reservation enchashment was set successfully, Mobile banking's server sent the note that comprises the enchashment authorization code to user mobile phone;
Step 104: the user selects reserved withdrawal service having opened on reservation enchashment function ATM, and according to the information at ATM interface, input handset number, the reservation code of oneself setting and the enchashment authorization code in note, can realize withdrawing the money without card.
On the one hand,, because the enchashment authorization code is random the generation,, if the enchashment authorization code is long, be easy to make a mistake in user's input process, cause service fail; On the other hand, the input keyboard of ATM is fairly simple, generally can only input digital 0-9 and symbol " * " and " # ", and the form that this two aspects factor has determined the enchashment authorization code is comparatively simple., if in use by the malice third party, seen, the enchashment authorization code likely occurs reveal the possibility that causes cash to be stolen.
Summary of the invention
The invention provides a kind of implementation method, device and system of reserved withdrawal service, can effectively prevent the leakage of enchashment authorization code.
The embodiment of the present invention proposes is used for realizing that the device of reserved withdrawal service comprises a kind of bank server, and this bank server comprises:
Database, be used for storing user's bank account information and user's registration information, comprising cell-phone number, bank's card number and the digital certificate of binding mutually;
The terminal interaction module, be used for receiving the reserved withdrawal service information from banking terminal; Judge by retrieving described database whether reserved withdrawal service information is effective, if to banking terminal, send the Indication message that obtains the enchashment identifying code; Also be used for receiving the view data from the camera of banking terminal;
Bank's reservation transaction modules, be used for the reservation enchashment of carrying out according to user operation on the network terminal, retrieve described database and judge whether to support this encashment service, if enable authentication module, and make the network terminal send the indication that generates the enchashment authorization code to electronic signature device;
Authentication module, be used for utilizing image recognition technology, extract enchashment authorization code to be verified from the view data that the terminal interaction module receives, and described enchashment authorization code to be verified is carried out verification,, if verification is passed through, to banking terminal, send the indication that allows this enchashment transaction; , if verification is not passed through, to banking terminal, send the indication of this enchashment transaction of refusal.
The embodiment of the present invention proposes is used for realizing that the device of reserved withdrawal service also comprises a kind of electronic signature device, and this electronic signature device comprises:
Communication module, be used for being undertaken alternately by the network terminal and bank server, after the indication of receiving by the network terminal from the generation enchashment authorization code of bank server, to the algoritic module transmission, enables to indicate;
Algoritic module, be used for receive described enable indication after, generate the enchashment authorization code of character string form according to enchashment authorization code algorithm;
Modular converter, the enchashment authorization code that is used for the character string form that described algoritic module is generated is converted to enchashment authorization code image;
Display module, be used for the enchashment authorization code image that shows that described modular converter generates.
Preferably, only comprise numeral in the enchashment authorization code of described character string form; Described modular converter further comprises:
The laser bar code converting unit, for the laser bar code that the dynamic password of described character string form is converted to as the authorization code image.
Preferably, described modular converter is used for the dynamic password of described character string form is converted to string of binary characters, and this string of binary characters is converted to the black and white lattice image; Be divided into several block of pixels according to predefined procedure in described black and white lattice image, the sum of block of pixels is more than or equal to the number of characters of described string of binary characters; Each block of pixels is according to a bit in the corresponding described string of binary characters of described predefined procedure, and with B﹠W, represents respectively binary zero and 1.
A kind of reservation enchashment system that the embodiment of the present invention proposes, comprise electronic signature device, the network terminal, banking terminal and bank server,
Described bank server comprises:
Database, be used for storing user's bank account information and user's registration information, comprising cell-phone number, bank's card number and the digital certificate of binding mutually;
The terminal interaction module, be used for receiving the reserved withdrawal service information from banking terminal; Judge by retrieving described database whether reserved withdrawal service information is effective, if to banking terminal, send the Indication message that obtains the enchashment identifying code; Also be used for receiving the view data from the camera of banking terminal;
Bank's reservation transaction modules, be used for the reservation enchashment of carrying out according to user operation on the network terminal, retrieve described database and judge whether to support this encashment service, if enable authentication module, and make the network terminal send the indication that generates the enchashment authorization code to electronic signature device;
Authentication module, be used for utilizing image recognition technology, extract enchashment authorization code to be verified from the view data that the terminal interaction module receives, and described enchashment authorization code to be verified is carried out verification,, if verification is passed through, to banking terminal, send the indication that allows this enchashment transaction; , if verification is not passed through, to banking terminal, send the indication of this enchashment transaction of refusal;
Described banking terminal comprises the communication interface between main control module, camera and main control module and camera; Main control module sends and takes instruction to camera by this communication interface, after camera is received this shooting instruction, be converted to screening-mode from the pattern of monitoring of a recorded programme video recording, and take an image, the image of taking is sent to main control module by described communication interface, and main control module is sent to bank server with this image; Main control module after receiving the indication that allows the enchashment transaction, is carried out the relevant treatment of enchashment transaction, after the indication of receiving refusal enchashment transaction, shows the information of authentication failed;
The described network terminal is for being used for the equipment that establishes a communications link between electric signing tools and bank server;
Described electronic signature device comprises:
Communication module, be used for being undertaken alternately by the network terminal and bank server, after the indication of receiving by the network terminal from the generation enchashment authorization code of bank server, to the algoritic module transmission, enables to indicate;
Algoritic module, be used for receive described enable indication after, generate the enchashment authorization code of character string form according to enchashment authorization code algorithm;
Modular converter, the enchashment authorization code that is used for the character string form that described algoritic module is generated is converted to enchashment authorization code image;
Display module, be used for the enchashment authorization code image that shows that described modular converter generates.
Preferably, the described network terminal is to open the mobile phone of Mobile banking or the PC that connection network goes to bank.
The implementation method of a kind of reserved withdrawal service that the embodiment of the present invention proposes, user's registered in advance becomes the client of Internet bank's business, and the cell-phone number of oneself or digital certificate and bank card are bound, and opens the function of the Internet bank; Described cell-phone number, digital certificate and bank's card number are stored in the database of bank server of network side;
The method comprises the steps:
Bank server receives the user after the amount of money of the user profile of inputting on the interface of banking terminal and reservation enchashment, retrieve described database and judge whether to support this encashment service, if send the indication that generates the enchashment authorization code to electronic signature device by the network terminal;
Electronic signature device generates the enchashment authorization code of character string form according to enchashment authorization code algorithm; And the enchashment authorization code of described character string form is converted to enchashment authorization code image; Show or send to mobile phone to show by electronic signature device, perhaps by mobile phone, enchashment authorization code image taken pictures and shown;
The camera of banking terminal is taken the enchashment authorization code image of electronic signature device or mobile phone demonstration, and this enchashment authorization code view data is sent to bank server;
Bank server utilizes image recognition technology, extract enchashment authorization code to be verified from the enchashment authorization code image from banking terminal, and described enchashment authorization code to be verified is carried out verification,, if verification is passed through, to banking terminal, send the indication that allows this enchashment transaction; , if verification is not passed through, to banking terminal, send the indication of this enchashment transaction of refusal.
Preferably, described Internet bank business is mobile banking service or Internet-based banking services.
Preferably, the described network terminal is to open the mobile phone of Mobile banking or the PC that connection network goes to bank.
As can be seen from the above technical solutions, electronic signature device generates the image that comprises enchashment authorization code information, the camera of banking terminal is taken this image, and sending it to the bank server on backstage, bank server utilizes image recognition technology to identify the enchashment authorization code from image and the enchashment authorization code is verified.This method can prevent effectively that the enchashment authorization code from use revealing.
Description of drawings
Fig. 1 is the realization flow figure of reserved withdrawal service of the prior art;
Fig. 2 is the system block diagram of the reserved withdrawal service of embodiment of the present invention proposition;
Fig. 3 is the block diagram of the bank server of embodiment of the present invention proposition;
Fig. 4 is the block diagram of the electronic signature device of embodiment of the present invention proposition.
Embodiment
For enchashment authorization code form in prior art simply, the shortcoming easily by other people, being seen and falsely use, the invention provides a kind of implementation of improved reserved withdrawal service, adopt the subscription authorization code of image format, the camera shoot function that utilizes banking terminal to carry, realize the subscription authorization code of image format input banking terminal.Described banking terminal can be ATM (ATM) or consumption terminal (POS).
, for making the present invention program and technical characterstic clearer, below in conjunction with specific embodiment, the present invention program is described in detail.
Fig. 2 shows the schematic diagram of the reserved withdrawal service system of embodiment of the present invention proposition.Described reserved withdrawal service system comprises electronic signature device 201, banking terminal 202 and bank server 203.
The user, being registered as the client of Mobile banking, binds the cell-phone number of oneself and bank card, and after opening the function of Mobile banking, cell-phone number and bank's card number be bound to be stored in the database of bank server 203.
The user is connected to the network terminal with electronic signature device 201, and the described network terminal can be mobile phone, PC etc.After the login interface input handset of the Mobile banking that the user shows by the network terminal number login bank server 203, enter the respective interface of reservation enchashment, then input the amount of money of bank's card number and reservation enchashment; Electronic signature device 201 communicates with bank server 203, generate the picture file that comprises enchashment authorization code information in electronic signature device 201, and bank server 203 generates the enchashment authorization code.
Electronic signature device 201 is that bank authorization is presented to the user.Electronic signature device 201 has USB interface usually, by USB interface interconnection network terminal.
The user selects reserved withdrawal service on banking terminal 202, and according to the information at banking terminal interface, the input handset number also operates the electronic signature device 201 described picture files of demonstration, the camera of banking terminal 202 is taken described picture file, and the picture file that will photograph is sent to bank server 203;
Bank server 203 extracts data from picture file by image recognition technology, and verify whether described data are correct enchashment authorization code, if to banking terminal 202, send the indication that allows this enchashment transaction, otherwise send the indication of this enchashment transaction of refusal to banking terminal 202.
The internal structure of bank server 203 as shown in Figure 3, comprising:
Database 301, be used for storing user's bank account information and user's registration information, comprising cell-phone number, bank's card number and the digital certificate of binding mutually.
Terminal interaction module 302, be used for receiving the reserved withdrawal service information from banking terminal 202; Judge by retrieving described database 301 whether reserved withdrawal service information is effective, if to banking terminal 202, send the Indication message that obtains the enchashment identifying code; Also be used for receiving the view data from the camera of banking terminal 202.
Bank's reservation transaction modules 303, be used for the support of realization to Internet bank's business, the reservation enchashment of carrying out on the network terminal according to the user operates, relevant information (for example cell-phone number, bank's card number or other effective user's registration information or bank account information) according to input in reservation enchashment operation, retrieve described database 301 and judge whether to support this encashment service, if enable authentication module 304, and make the network terminal send to electronic signature device 201 indication that generates the enchashment authorization code.
Authentication module 304, be used for utilizing image recognition technology, extract enchashment authorization code to be verified from the view data that terminal interaction module 302 receives, and described enchashment authorization code to be verified is carried out verification,, if verification is passed through, to banking terminal 202, send the indication that allows this enchashment transaction; , if verification is not passed through, to banking terminal 202, send the indication of this enchashment transaction of refusal.
Described banking terminal 201 is with respect to the banking terminal of prior art, and main the improvement is:
The camera of banking terminal not only is used for recording surveillance video, also as the transmission medium of enchashment identifying code.The main control module of banking terminal 201 has the communication interface with camera.Main control module is after the Indication message that obtains the enchashment identifying code of receiving from bank server 203, send and take instruction to camera by this communication interface, after camera is received this shooting instruction, be converted to screening-mode from the pattern of monitoring of a recorded programme video recording, and take an image, this image should be the enchashment identifying code image that electronic signature device 201 shows.Certainly, the user also can first take the enchashment identifying code image that electronic signature device 201 shows with mobile phone or digital camera, then the display screen at mobile phone or digital camera shows this enchashment identifying code image, and the camera of banking terminal 201 is taken the enchashment identifying code image of the display screen demonstration of mobile phone or digital camera again.Perhaps, electronic signature device 201 has the electronic equipment of display screen with enchashment identifying code image file transfers to user mobile phone or other, and the camera of banking terminal 201 is taken the enchashment identifying code image of the display screen demonstration of mobile phone or other electronic equipments again.
The image that the camera of banking terminal 201 will be taken is sent to main control module by described communication interface, and main control module is sent to bank server 203 with this image.Main control module after receiving the indication that allows the enchashment transaction, is carried out the relevant treatment of enchashment transaction, after the indication of receiving refusal enchashment transaction, shows the information of authentication failed.
The internal structure of described electronic signature device 201 as shown in Figure 4, comprising:
Communication module 401, be used for being undertaken alternately by the network terminal and bank server 203, after the indication of receiving by the network terminal from the generation enchashment authorization code of bank server 203, to algoritic module 402 transmissions, enables to indicate;
Algoritic module 402, be used for receive described enable indication after, generate the enchashment authorization code of character string form according to enchashment authorization code algorithm.This enchashment authorization code is disposable effective dynamic password or the electronic signature to concluding the business.In order to reach implementation result preferably, the enchashment authorization code of described character string form is random digit more than 10 and/or the combination of character.
Modular converter 403, the enchashment authorization code that is used for the character string form that described algoritic module 404 is generated is converted to enchashment authorization code image.
The mode that the enchashment authorization code of character string form is converted to enchashment authorization code image can be following any:
1, utilize laser bar code technology of the prior art, the enchashment authorization code of character string form is converted to laser bar code.
2, the block of pixels that each pixel of image or several pixels is formed, as a bit, represents respectively binary zero and 1 with B﹠W.Such as the image of 128*64 dot matrix, on every adjacent two row two pixels are as a bit up and down, this image can hold the content of 32 row data, there are 128 bits in every delegation.Modular converter 303 is converted to string of binary characters with the enchashment authorization code of described character string form, and this string of binary characters is converted to the black and white lattice image; Be divided into several block of pixels according to predefined procedure in described black and white lattice image, the sum of block of pixels is more than or equal to the number of characters of described string of binary characters; Each block of pixels is according to a bit in the corresponding described string of binary characters of described predefined procedure, and with B﹠W, represents respectively binary zero and 1.
Display module 404, be used for the enchashment authorization code image that shows that described modular converter 403 generates.
The invention allows for a kind of implementation method of reserved withdrawal service, user's registered in advance becomes the client of Internet bank's business, and the cell-phone number of oneself or digital certificate and bank card are bound, and opens the function of the Internet bank; Described cell-phone number, digital certificate and bank's card number are stored in the database of bank server of network side;
The method comprises the steps:
Bank server receives the user after the amount of money of the user profile of inputting on the interface of banking terminal and reservation enchashment, retrieve described database and judge whether to support this encashment service, if send the indication that generates the enchashment authorization code to electronic signature device by the network terminal;
Electronic signature device generates the enchashment authorization code of character string form according to the algorithm of inside agreement; And the enchashment authorization code of described character string form is converted to enchashment authorization code image; Show or send to mobile phone to show by electronic signature device, perhaps by mobile phone, enchashment authorization code image taken pictures and shown;
The camera of banking terminal is taken the enchashment authorization code image of electronic signature device or mobile phone demonstration, and this enchashment authorization code view data is sent to bank server;
Bank server utilizes image recognition technology, extract enchashment authorization code to be verified from the enchashment authorization code image from banking terminal, and described enchashment authorization code to be verified is carried out verification,, if verification is passed through, to banking terminal, send the indication that allows this enchashment transaction; , if verification is not passed through, to banking terminal, send the indication of this enchashment transaction of refusal.
Wherein, described Internet bank business is mobile banking service or Internet-based banking services.
Wherein, the described network terminal is to open the mobile phone of Mobile banking or the PC that connection network goes to bank.
Wherein, the described enchashment authorization code electronic signature that can be dynamic password or transaction data.
The foregoing is only preferred embodiment of the present invention, in order to limit the present invention, within the spirit and principles in the present invention not all, any modification of making, be equal to replacement, improvement etc., within all should being included in the scope of protection of the invention.

Claims (6)

1. an electronic signature device, is characterized in that, comprises
Communication module, be used for being undertaken alternately by the network terminal and bank server, after the indication of receiving by the network terminal from the generation enchashment authorization code of bank server, to the algoritic module transmission, enables to indicate;
Algoritic module, be used for receive described enable indication after, generate the enchashment authorization code of character string form according to enchashment authorization code algorithm;
Modular converter, be used for the enchashment authorization code of described character string form is converted to string of binary characters, and this string of binary characters be converted to the black and white lattice image; Be divided into several block of pixels according to predefined procedure in described black and white lattice image, the sum of block of pixels is more than or equal to the number of characters of described string of binary characters; Each block of pixels is according to a bit in the corresponding described string of binary characters of described predefined procedure, and with B﹠W, represents respectively binary zero and 1;
Display module, be used for the enchashment authorization code image that shows that described modular converter generates.
2. a reservation enchashment system, is characterized in that, comprises electronic signature device, the network terminal, banking terminal and bank server,
Described bank server comprises:
Database, be used for storing user's bank account information and user's registration information, comprising cell-phone number, bank's card number and the digital certificate of binding mutually;
The terminal interaction module, be used for receiving the reserved withdrawal service information from banking terminal; Judge by retrieving described database whether reserved withdrawal service information is effective, if to banking terminal, send the Indication message that obtains the enchashment identifying code; Also be used for receiving the view data from the camera of banking terminal;
Bank's reservation transaction modules, be used for the reservation enchashment of carrying out according to user operation on the network terminal, retrieve described database and judge whether to support this encashment service, if enable authentication module, and make the network terminal send the indication that generates the enchashment authorization code to electronic signature device;
Authentication module, be used for utilizing image recognition technology, extract enchashment authorization code to be verified from the view data that the terminal interaction module receives, and described enchashment authorization code to be verified is carried out verification,, if verification is passed through, to banking terminal, send the indication that allows this enchashment transaction; , if verification is not passed through, to banking terminal, send the indication of this enchashment transaction of refusal;
Described banking terminal comprises the communication interface between main control module, camera and main control module and camera; Main control module sends and takes instruction to camera by this communication interface, after camera is received this shooting instruction, be converted to screening-mode from the pattern of monitoring of a recorded programme video recording, and take an image, the image of taking is sent to main control module by described communication interface, and main control module is sent to bank server with this image; Main control module after receiving the indication that allows the enchashment transaction, is carried out the relevant treatment of enchashment transaction, after the indication of receiving refusal enchashment transaction, shows the information of authentication failed;
The described network terminal is for being used for the equipment that establishes a communications link between electric signing tools and bank server;
Described electronic signature device comprises:
Communication module, be used for being undertaken alternately by the network terminal and bank server, after the indication of receiving by the network terminal from the generation enchashment authorization code of bank server, to the algoritic module transmission, enables to indicate;
Algoritic module, be used for receive described enable indication after, generate the enchashment authorization code of character string form according to enchashment authorization code algorithm;
Modular converter, the enchashment authorization code that is used for the character string form that described algoritic module is generated is converted to enchashment authorization code image; Described modular converter is used for the enchashment authorization code of described character string form is converted to string of binary characters, and this string of binary characters is converted to the black and white lattice image; Be divided into several block of pixels according to predefined procedure in described black and white lattice image, the sum of block of pixels is more than or equal to the number of characters of described string of binary characters; Each block of pixels is according to a bit in the corresponding described string of binary characters of described predefined procedure, and with B﹠W, represents respectively binary zero and 1;
Display module, be used for the enchashment authorization code image that shows that described modular converter generates.
3. system according to claim 2, is characterized in that, the described network terminal is to open the mobile phone of Mobile banking or the PC that connection network goes to bank.
4. the implementation method of a reserved withdrawal service, is characterized in that, user's registered in advance becomes the client of Internet bank's business, and the cell-phone number of oneself or digital certificate and bank card are bound, and opens the function of the Internet bank; Described cell-phone number, digital certificate and bank's card number are stored in the database of bank server of network side;
The method comprises the steps:
Bank server receives the user after the amount of money of the user profile of inputting on the interface of banking terminal and reservation enchashment, retrieve described database and judge whether to support this encashment service, if send the indication that generates the enchashment authorization code to electronic signature device by the network terminal;
Electronic signature device generates the enchashment authorization code of character string form according to enchashment authorization code algorithm; And the dynamic password of described character string form is converted to string of binary characters, and this string of binary characters is converted to the black and white lattice image; Be divided into several block of pixels according to predefined procedure in described black and white lattice image, the sum of block of pixels is more than or equal to the number of characters of described string of binary characters; Each block of pixels is according to a bit in the corresponding described string of binary characters of described predefined procedure, and with B﹠W, represents respectively binary zero and 1; Show or send to mobile phone to show by electronic signature device, perhaps by mobile phone, enchashment authorization code image taken pictures and shown;
The camera of banking terminal is taken the enchashment authorization code image of electronic signature device or mobile phone demonstration, and this enchashment authorization code view data is sent to bank server;
Bank server utilizes image recognition technology, extract enchashment authorization code to be verified from the enchashment authorization code image from banking terminal, and described enchashment authorization code to be verified is carried out verification,, if verification is passed through, to banking terminal, send the indication that allows this enchashment transaction; , if verification is not passed through, to banking terminal, send the indication of this enchashment transaction of refusal.
5. method according to claim 4, is characterized in that, described Internet bank business is mobile banking service or Internet-based banking services.
6. method according to claim 4, is characterized in that, the described network terminal is to open the mobile phone of Mobile banking or the PC that connection network goes to bank.
CN201010298885XA 2010-09-29 2010-09-29 Method, device and system for realizing reserved withdrawal service Active CN101945118B (en)

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