CN103106749A - Banking service device, automatic teller machine (ATM) equipment, banking system and banking service system - Google Patents
Banking service device, automatic teller machine (ATM) equipment, banking system and banking service system Download PDFInfo
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- CN103106749A CN103106749A CN2012105706144A CN201210570614A CN103106749A CN 103106749 A CN103106749 A CN 103106749A CN 2012105706144 A CN2012105706144 A CN 2012105706144A CN 201210570614 A CN201210570614 A CN 201210570614A CN 103106749 A CN103106749 A CN 103106749A
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- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/08—Payment architectures
- G06Q20/10—Payment architectures specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
- G06Q20/108—Remote banking, e.g. home banking
- G06Q20/1085—Remote banking, e.g. home banking involving automatic teller machines [ATMs]
Abstract
The invention provides a banking service device, automatic teller machine (ATM) equipment, a banking system and a banking service system. The banking service device comprises a reservation processor, a positioning processor, a registration processor and a display screen. The reservation processor is used for generating a reservation message and sending the reservation message to a bank when the reservation processor receives a reservation instruction input by a user; the positioning processor is used for acquiring position information of the banking service device; the registration processor is connected with the positioning processor, and is used for generating a registration message, sending the registration message to the bank when the registration processor receives a registration instruction input by the user, and receiving a one-time reservation withdrawal password returned by the banking system after the banking system confirms that the current position information of the banking service device is consistent with position information of a designated ATM network site; and the display screen is connected with the reservation processor, and used for displaying the one-time reservation withdrawal password. By means of the banking service device, the ATM equipment, the banking system and the banking service system, the danger that withdrawal information is stolen can be reduced, legality of the ATM equipment used for withdrawal by the user can be guaranteed, and security of funds of the user can be guaranteed.
Description
Technical field
The present invention relates to bank without card enchashment technical field, particularly, relate to a kind of bank service device, atm device, banking system and bank service system.
Background technology
The security of bank card business dealing be always bank in the process of releasing bank card service problems of concern the most, but because the bank card medium itself has certain potential safety hazard, and also there is safety issue in the bank card business dealing process, and is still high for the crime case of bank card in recent years.Progress along with technology, ensure that bank card uses the control device of safety also increasingly abundant, for example bank eliminates magnetic stripe card gradually and uses chip card to substitute, bank sends remaining sum change reminding short message etc. to the user, but for bank card business dealing, ATM site (Automatic Teller Machine particularly, ATM (Automatic Teller Machine)) withdraw the money and POS(Point of Sale, point-of-sale terminal) self-service, the semi-self-service channel such as consumption saves with snap ring, still need further tightening security property safeguards technique, to guarantee user's fund security.
The patent No. is that the patent of ZL200510137405.0 has been announced a kind of " utilizing mobile phone to carry out system and the method thereof of ATM site authentication ", in this patent, the user uses mobile phone to conclude the business without the card enchashment to bank's application, bank sends the transaction sequence number by note to the user after confirming, the user can be to carrying out the business transaction operation with the account of cell-phone number binding in ATM site machine input transaction sequence number, cell-phone number, mobile-phone payment password, clip pin, as enchashment etc.
Nothing card enchashment technology is not only withdrawn the money conveniently for the user provides, and simultaneously because directly do not use card to operate, has reduced the risk of card loss or the accounts information that is stolen.But at present for the information of communication field steal, the monitoring means have a lot, for example the lawless person uses the SIM card copying equipment that user's SIM card is copied, perhaps by the communication process of the special direct monitoring users of software, intercept and capture user's note and dialog context with this.In this case, in case the lawless person has intercepted and captured the enchashment note that bank sends to the user, and (for example the user is with household conversation or note contact the time to have known in advance user's bank card password by means such as monitoring, steal again, divulged bank card password), just can pretend to be the user to operate on the machine of ATM site arbitrarily, bring huge threat for user's fund.
In addition, the lawless person who also has installs false ATM site machine in public places, and the general user is difficult to its true and false of identification, in case the user carries out the plug-in card operation on the machine of false ATM site, the information such as bank card, account and password just may be stolen, and cause fund loss risk to the user.
Summary of the invention
The fundamental purpose of the embodiment of the present invention is to provide a kind of bank service device, atm device, banking system and bank service system, with provide a kind of security good and based on positioning service without card enchashment technology.
To achieve these goals, the embodiment of the present invention provides a kind of bank service device, comprising: reservation processing device, location processor, register processor and display screen; Wherein,
When described reservation processing device is used for receiving the subscription command of user's input, generates reservation message and send to banking system, described reservation message comprises bank's card number that reservation is withdrawn the money and specifies the positional information of ATM (Automatic Teller Machine) ATM site;
Described location processor is used for obtaining the positional information of described bank service device;
The described processor of registering connects described location processor, when being used for receiving the sign on command of user's input, generating and registers information and sending to banking system, and the described message of registering comprises the current positional information of described bank service device; Receive disposable reservation that banking system the returns password of withdrawing the money when the positional information of determining the current positional information of described bank service device and the described ATM of appointment site is consistent;
Described display screen connects the described processor of registering, and is used for showing the described disposable reservation password of withdrawing the money.
Preferably, described bank service device also comprises: given processor;
Described given processor connects respectively described location processor, described display screen and described reservation processing device, when obtaining order for the site that receives user's input, obtain the current positional information of described bank service device from described location processor, generate the site and obtain information and sending to banking system, described site obtains message and comprises the current positional information of described bank service device; The positional information of at least one ATM site that receives that banking system returns also is transmitted to described display screen and shows; Select in described at least one ATM site one as described appointment ATM site according to the specified command of user input, the positional information of described appointment ATM site is sent to described reservation processing device, and described at least one ATM site is positioned at the setting range around described bank service device position.
Preferably, described bank service device also comprises: map register and map label processor;
Described map register connects described map label processor, is used to described map label processor that electronic chart is provided;
Described map label processor connects described given processor and described display screen, be used for obtaining from described given processor the positional information of described at least one ATM site, on electronic chart, described at least one ATM site is marked, and send to described display screen to show described electronic chart with mark.
Preferably, described bank service device also comprises: the map updating interface;
Described map updating interface connects described map register, is used for described electronic chart is upgraded.
Preferably, described bank service device also comprises: the circuit query processor;
described circuit query processor connects described location processor, described given processor and described display screen, when being used for receiving the querying command of user's input, obtain the positional information of described bank service device from described location processor, obtain the positional information of described at least one ATM site from described given processor, determine that according to described querying command the user wants the ATM site of inquiring about, the route of the ATM site of determining from the position at described bank service device place to want to inquire about to described user, and send to described display screen to show in described route, described user wants to inquire about ATM site is in described at least one ATM site.
Preferably, described bank service device also comprises: navigating instrument;
Described navigating instrument connects described location processor, described given processor and described display screen, when being used for receiving the navigation command of user's input, positional information from the described bank service device of described location processor Real-time Obtaining, obtain the positional information of described appointment ATM site from described given processor, determine navigation information according to the positional information of the positional information of current described bank service device and described appointment ATM site, send to described display screen to show described navigation information.
Preferably, described bank service device also comprises: the encrypting and decrypting processor;
Described encrypting and decrypting processor connects described reservation processing device and the described processor of registering, and is used for described banking system and described reservation processing device and the described information of transmitting between processor of registering are encrypted or decipher.
Preferably, described bank service device also comprises: identity arranges interface and identity information register; Wherein,
It is the ad hoc interface of bank that described identity arranges interface, be used for receiving the banking system input order is set the time, according to the described command set subscriber identity information that arranges;
Described identity information register connects described identity interface is set, and is used for storing described subscriber identity information;
Described reservation processing device also connects described identity information register, is used for comprising described subscriber identity information in the reservation message that sends to banking system; The reservation success message that the subscriber identity information that the reception banking system comprises in confirming described reservation message returns when being legal.
Preferably, described bank service device also comprises: the authentication process device;
Described authentication process device connects described identity information register, described reservation processing device and the described processor of registering, be used for receiving the authentication information of user's input, verify the legitimacy of the authentication information of described user's input according to the subscriber identity information of described identity information register-stored, and when being legal, triggers described reservation processing device and the described processor unlatching of registering in the authentication information of determining described user's input.
Preferably, described bank service device also comprises: keyboard, wired communication interface, wireless communication interface, power supply and clock chip.
A kind of ATM (Automatic Teller Machine) atm device comprises: subscription command receiving port, subscription server;
Described subscription command receiving port connects described subscription server, is used for starting described subscription server when order is withdrawn the money in the reservation that receives the banking system transmission;
Described subscription server be used for to receive bank's card number of user's input and the password and be transmitted to banking system of withdrawing the money; And receive that the consistent and reservation that described user inputs of bank's card number that bank's card number that banking system determines described user input and described reservation withdraw the money withdraws the money that password and described disposable reservation withdraw the money that password returns when consistent tell the paper money order time, for the user provides the service of withdrawing the money.
A kind of banking system comprises: preengage the processor of withdrawing the money;
Described reservation is withdrawn the money processor for the reservation message that receives the transmission of bank service device and the message of registering, described reservation message comprises reservation bank's card number of withdrawing the money and the positional information of specifying ATM (Automatic Teller Machine) ATM site, and the described message of registering comprises the current positional information of described bank service device; Send the disposable reservation password of withdrawing the money to described bank service device when determining that the positional information of the current positional information of described bank service device and described appointment ATM site is consistent; Send to atm device corresponding to described appointment ATM site and preengage the order of withdrawing the money; The reservation that receives bank's card number of user's input that atm device corresponding to described appointment ATM site return and the user's input password of withdrawing the money, withdraw the money password and described disposable reservation of the consistent and reservation described user's input of bank's card number that bank's card number of determining described user input and described reservation are withdrawn the money withdrawn the money password when consistent, specifies atm device transmission corresponding to ATM site to tell the paper money order to described.
A kind of bank service system comprises: bank service device as above, ATM (Automatic Teller Machine) atm device as above and banking system as above; Wherein,
Described bank service device connects described banking system, when being used for receiving the subscription command of user's input, generate reservation message and send to banking system, described reservation message comprises bank's card number that reservation is withdrawn the money and specifies the positional information of ATM (Automatic Teller Machine) ATM site; Obtain the positional information of this bank service device self; When receiving the sign on command of user's input, generate the information and sending of registering to described banking system, the described message of registering comprises the current positional information of described bank service device; Receive and show disposable reservation that described banking system the is returned password of withdrawing the money;
Described banking system connects described atm device, is used for receiving described reservation message and the message of registering; Send the disposable reservation password of withdrawing the money to described bank service device when the positional information of the positional information of determining described bank service device and described appointment ATM site is consistent; Send to atm device corresponding to described appointment ATM site and preengage the order of withdrawing the money; Consistent and the reservation described user's input of bank's card number that the reservation that receives bank's card number of user's input that atm device corresponding to described appointment ATM site return and the user's input password of withdrawing the money, bank's card number of determining described user's input and described reservation are withdrawn the money password and the described disposable reservation password of withdrawing the money of withdrawing the money is told the paper money order to atm device transmission corresponding to the described ATM of appointment site when consistent;
Described atm device is used for receiving the described reservation order of withdrawing the money; Receive bank's card number of user's input and the password and be transmitted to described banking system of withdrawing the money, receiving describedly provides for the user service of withdrawing the money when telling the paper money order.
Preferably, when described bank service device also obtains order for the site that receives user's input, obtain the current positional information of this bank service device, generate the site and obtain information and sending to described banking system, described site obtains message and comprises the current positional information of described bank service device;
Described banking system also is used for receiving described site and obtains message, determine around described bank service device current position at least one ATM site in setting range, and the positional information of described at least one ATM site is sent to described bank service device;
Described bank service device also is used for being defined as described appointment ATM site according to the specified command of user's input from described at least one one of ATM site selection.
Preferably, described banking system also is used for sending to described bank service device order is set, and describedly order is set comprises subscriber identity information;
Described bank service device also is used for comprising described subscriber identity information in the reservation message that sends to described banking system;
Described banking system is used for also verifying whether the subscriber identity information that described reservation message comprises is legal, and confirming as when legal, returns to the reservation success message to described bank service device.
By means of technique scheme, the present invention provides the function of reservation without the card enchashment by the reservation processing device for the user, determine this bank service device residing position by location processor, processor has arrived the function of specifying the ATM site for the user provides to the banking system report by registering; By above-mentioned technological means, banking system just sends the disposable password of withdrawing the money to this bank service device when determining this bank service device residing position with the position consistency of specifying the ATM site, be that banking system just sends the disposable password of withdrawing the money to the user when determining that the user has arrived the position of specifying place, ATM site, therefore not only can greatly reduce the danger that the information of withdrawing the money is stolen, and can guarantee that the atm device that the user withdraws the money is the legitimate device that bank is arranged at the public place, thereby guarantee the security of user's fund.
Description of drawings
In order to be illustrated more clearly in the embodiment of the present invention or technical scheme of the prior art, during the below will describe embodiment, the accompanying drawing of required use is done to introduce simply, apparently, accompanying drawing in the following describes is only some embodiments of the present invention, for those of ordinary skills, under the prerequisite of not paying creative work, can also obtain according to these accompanying drawings other accompanying drawing.
Fig. 1 is the structural representation of the bank service device that provides of the embodiment of the present invention one;
Fig. 2 is the structural representation of the bank service device that provides of the embodiment of the present invention two;
Fig. 3 is the atm device structural representation that the embodiment of the present invention three provides;
Fig. 4 is that the banking system that the embodiment of the present invention four provides forms schematic diagram;
Fig. 5 is that the bank service system that the embodiment of the present invention five provides forms schematic diagram;
Fig. 6 is that the bank service system that the embodiment of the present invention six provides forms schematic diagram;
Fig. 7 is that the user that the embodiment of the present invention six provides adopts bank service system to carry out without the operational flowchart that blocks enchashment.
Embodiment
Below in conjunction with the accompanying drawing in the embodiment of the present invention, the technical scheme in the embodiment of the present invention is clearly and completely described, obviously, described embodiment is only the present invention's part embodiment, rather than whole embodiment.Based on the embodiment in the present invention, those of ordinary skills belong to the scope of protection of the invention not making the every other embodiment that obtains under the creative work prerequisite.
Need to prove the order of the startup bank service device corresponding function that the input equipments such as keyboard, touch display screen, mouse or button of said in the embodiment of the present invention " user input subscription command ", " sign on command of user's input ", " site of user's input obtains order ", " specified command of user's input ", " authentication information of user's input " the bank service device that to be the user provide by the embodiment of the present invention send; For example: when the user inputted subscription command, the reservation processing device generated reservation message and sends to banking system; When the user inputted sign on command, the processor of registering generated and registers information and sending to banking system.
Embodiment one
The present embodiment provides a kind of bank service device, and as shown in Figure 1, this device comprises: reservation processing device 11, location processor 12, register processor 13 and display screen 14; Wherein,
When described reservation processing device 11 is used for receiving the subscription command of user's input, obtain the current positional information of this bank service device, described reservation message comprises bank's card number that reservation is withdrawn the money and specifies the positional information of ATM (Automatic Teller Machine) ATM site;
Described location processor 12 is used for obtaining the positional information of described bank service device;
The described processor 13 of registering connects described location processor 12, when being used for receiving the sign on command of user's input, generating and registers message and be transferred to banking system, and the described message of registering comprises the current positional information of described bank service device; Receive disposable reservation that banking system the returns password of withdrawing the money when the positional information of determining the current positional information of described bank service device and the described ATM of appointment site is consistent;
Described display screen 14 connects the described processors 13 of registering, and is used for showing the described disposable reservation password of withdrawing the money.
Concrete, in the present embodiment, reservation processing device 11 is by resolving the subscription command of user's input, determine that the user wants to preengage bank's card number of withdrawing the money and wants to preengage the appointment ATM positional information of withdrawing the money, and these information are included in the reservation message of generation;
In concrete enforcement, can also include the subscription time section in the subscription command of user's input, preengage the amount of money and the user-defined information such as reservation check code that play the verification effect of withdrawing the money, also can comprise these information in the reservation message that reservation processing device 11 generates; In addition, reservation processing device 11 can determine whether reservation is successful by reservation success message or reservation failed message that the reception banking system is returned, bank's card number that the reservation that for example comprises in banking system is confirmed reservation message is withdrawn the money and when to specify the positional information of ATM (Automatic Teller Machine) ATM site be effective, just return to the reservation success message to reservation processing device 11, otherwise, just return to the reservation failed message to reservation processing device 11.
The processor 13 of registering obtains the current positional information of described bank service device from described location processor 12, and it is included in the message of registering of generation;
The bank service device that the present embodiment provides provides the function of reservation without the card enchashment by reservation processing device 11 for the user, determine this bank service device residing position by location processor 12, processor 13 has arrived the function of specifying the ATM site for the user provides to the banking system report by registering; By above-mentioned technological means, banking system just sends the disposable password of withdrawing the money to this bank service device when determining this bank service device residing position with the position consistency of specifying the ATM site, be that banking system just sends the disposable password of withdrawing the money to the user when determining that the user has arrived the position of specifying place, ATM site, therefore not only can greatly reduce the danger that the information of withdrawing the money is stolen, and can guarantee that the atm device that the user withdraws the money is the legitimate device that bank is arranged at the public place, thereby guarantee the security of user's fund.
Need to prove, the message of registering that banking system sends according to the processor 13 of registering, judge when whether bank service device residing position and the position of specifying the ATM site be consistent, the error range of permission can be set, as long as the distance between the position of the residing position of bank service device and appointment ATM site is in the error range of this permission, just determine it is both consistent, can issue the disposable password of withdrawing the money to the bank service device.
In the present embodiment, the positional information of described appointment ATM site can be directly input of user, and also this bank service device provides after the positional information of a plurality of ATM site and to be selected to determine by the user.
Preferably, the bank service device that provides of the present embodiment also comprises: given processor;
Described given processor connects respectively described location processor 12, described display screen 14 and described reservation processing device 11, when obtaining order for the site that receives user's input, obtain the current positional information of described bank service device from described location processor 12, generate the site and obtain information and sending to banking system, described site obtains message and comprises the current positional information of described bank service device; The positional information of at least one ATM site that receives that banking system returns also is transmitted to described display screen 14 and shows; Select in described at least one ATM site one as described appointment ATM site according to the specified command of user input, the positional information of described appointment ATM site is sent to described reservation processing device 11, and described at least one ATM site is positioned at the setting range around described bank service device position.
Concrete, before withdrawing the money to the banking system reservation (being before reservation processing device 11 sends reservation message to bank), the user wishes that the bank service device provides some ATM site to select one during as appointment ATM site, can start given processor; This given processor is obtained the message informing banking system near the positional information of the ATM site current this bank service device position is provided by send the site to banking system, and by display screen 14, these ATM site positional information is shown to the user; The user determines to want to preengage the backward bank service device input in the ATM site specified command of withdrawing the money, and this given processor determines that by the specified command of resolving user's input the user wants to preengage the ATM site of withdrawing the money, and namely determines to specify the ATM site.
Preferably, the bank service device that provides of this enforcement also comprises: map register and map label processor;
Described map register connects described map label processor, is used to described map label processor that electronic chart is provided;
Described map label processor connects described given processor and described display screen 14, be used for obtaining from described given processor the positional information of described at least one ATM site, on electronic chart, described at least one ATM site is marked, and send to described display screen 14 to show described electronic chart with mark.
Concrete, want to preengage the ATM site of withdrawing the money in order to show more intuitively position, ATM site to facilitate the user to determine, this enforcement provides electronic map information by map register, and provides the ATM map label function of site by the map label processor for the user.
Preferably, the bank service device that provides of the present embodiment also comprises: the map updating interface; Described map updating interface connects described map register, is used for described electronic chart is upgraded.
Concrete, this enforcement is upgraded the electronic chart in map register by the map updating interface, for example, the user arranges the map updating interface and regularly downloads up-to-date electronic chart by mobile communications network, perhaps, when the user starts the map updating interface, then download up-to-date electronic chart by mobile communications network.
Preferably, the bank service device that provides of the present embodiment also comprises: the circuit query processor;
described circuit query processor connects described location processor 12, described given processor and described display screen 14, when being used for receiving the querying command of user's input, obtain the positional information of described bank service device from described location processor 12, obtain the positional information of described at least one ATM site from described given processor, determine that according to described querying command the user wants the ATM site of inquiring about, the route of the ATM site of determining from the position at described bank service device place to want to inquire about to described user, and send to described display screen 14 to show in described route, described user wants to inquire about ATM site is in described at least one ATM site.
Concrete, the present embodiment provides the circuit query function by the circuit query processor for the user, and the route information that this circuit query processor is finally determined can be shown to the user with written form, also can be shown to the user with the ground diagram form.
Preferably, the bank service device that provides of the present embodiment also comprises: navigating instrument;
Described navigating instrument connects described location processor 12, described given processor and described display screen 14, when being used for receiving the navigation command of user's input, positional information from the described location processor 12 described bank service devices of Real-time Obtaining, obtain the positional information of described appointment ATM site from described given processor, determine navigation information according to the positional information of the positional information of current described bank service device and described appointment ATM site, send to described display screen 14 to show described navigation information.
Concrete, the present embodiment provides the function of navigation for the user by navigating instrument, and the navigation information that this navigating instrument is finally determined can be shown to the user with written form, also can be shown to the user with the ground diagram form.
Preferably, the bank service device that provides of the present embodiment also comprises: the encrypting and decrypting processor;
Described encrypting and decrypting processor connects described reservation processing device 11 and the described processor 13 of registering, and is used for described banking system and described reservation processing device 11 and the described information of transmitting between processor 13 of registering are encrypted or decipher.
Concrete, this enforcement by the encrypting and decrypting processor to the reservation message transmitted between reservation processing device 11 and banking system, register register message and the disposable reservation transmitted between processor 13 and the banking system password of withdrawing the money is encrypted, with the information safe enough of guaranteeing to transmit between bank service device and banking system; The present embodiment is not construed as limiting cryptographic algorithm and the decipherment algorithm that the encrypting and decrypting processor adopts, for example can be DES(Data Encryption Standard, data encryption standards) or 3DES(Triple Data Encryption Standard, triple DES) etc.
Preferably, described bank service device also comprises: identity arranges interface and identity information register; Wherein,
It is the ad hoc interface of bank that described identity arranges interface, be used for receiving the banking system input order is set the time, according to the described command set subscriber identity information that arranges;
Described identity information register connects described identity interface is set, and is used for storing described subscriber identity information;
Described reservation processing device 11 also connects described identity information register, is used for comprising described subscriber identity information in the reservation message that sends to banking system; The reservation success message that the subscriber identity information that the reception banking system comprises in confirming described reservation message returns when being legal.
Concrete, it is the ad hoc interface of bank that the identity that arranges in the present embodiment arranges interface, namely only having bank's cabinet face could access this identity arranges interface subscriber identity information is arranged, other external modes all can't be accessed, to guarantee that the subscriber identity information of storing in this bank service device can not be revised arbitrarily; Reservation processing device 11 comprises this subscriber identity information in sending to the reservation message of banking system, banking system can determine whether allowing this reservation by verifying that this subscriber identity information is whether legal like this, when banking system confirms that the subscriber identity information that comprises in reservation message is legal, just return to the reservation success message to reservation processing device 11, otherwise, just return to the reservation failed message to reservation processing device 11;
in concrete enforcement, can also carry out following setting: the bank service device that each the present embodiment provides possesses a unique device identification code, banking system arranges and preserves the binding relationship between subscriber identity information and device identification code, the device identification code that all includes this bank service device between bank service device and banking system in the information of transmitting, banking system is after receiving reservation message, whether the binding relationship that the subscriber identity information that can comprise in reservation message by checking and device identification code and banking system have been preserved mates determines whether allowing this reservation.
Preferably, the bank service device that provides of the present embodiment also comprises: the authentication process device;
Described authentication process device connects described identity information register, described reservation processing device 11 and the described processor 13 of registering, be used for receiving the authentication information of user's input, verify the legitimacy of the authentication information of described user's input according to the subscriber identity information of described identity information register-stored, and when being legal, triggers described reservation processing device 11 and described processor 13 unlatchings of registering in the authentication information of determining described user's input.
Concrete, in the present embodiment in order further to guarantee the use safety of bank service device, before startup reservation processing device 11 is withdrawn the money to the banking system reservation, need to be verified the authentication information of user's input by the authentication process device, when checking is legal, the authentication process device can trigger reservation processing device 11 and the processor 13 of registering is opened, otherwise, reservation processing device 11 and processor 13 cisco unity malfunctions of registering; Authentication process device in the present embodiment can be the equipment of verifying based on password or fingerprint, namely the information such as the password of user's input or fingerprint is verified.
Preferably, the bank service device that provides of the present embodiment also comprises: keyboard, wired communication interface, wireless communication interface, power supply and clock chip.
Concrete, keyboard is used for the user and inputs various command;
The bank service device that the present embodiment provides can be connected with finite element network by wired communication interface, and then be connected to banking system or other external units, also can be connected with cordless communication network by radio network interface, and then be connected to banking system or other external units; Wherein wireless communication interface can be supported the agreements such as 802.11b/n/g, GPRS, CDMA2000, WCDMA, TD-SCDMA;
Wired communication interface and radio network interface are as the unified front-end interface of this bank service device and banking system or other external units; For example, in the bank service device that the present embodiment provides, reservation processing device 11, register processor 13 and given processor send to the message of banking system at first to be encrypted processing by the encrypting and decrypting processor, and then send to banking system by wired communication interface or radio network interface; And at first the message that banking system is returned received by wired communication interface or radio network interface, then be decrypted processing by the encrypting and decrypting processor, is transmitted at last reservation processing device 11, register processor 13 and given processor again;
Power supply provides electric energy for each function element in the bank service device etc.;
Each function element in clock chip the present embodiment etc. provides clock signal, for example, when including the subscription time section in reservation message, or the disposable reservation of returning when banking system withdraws the money password when having the effective time of use, clock chip by display screen 14 not the user time display function is provided.
Embodiment two
the present embodiment provides a concrete bank service device, as shown in Figure 2, this device comprises: central processing unit 201, location processor 202, display screen 203, keyboard 204, given processor 205, map register 206, map label processor 207, circuit query processor 208, navigating instrument 209, identity information register 210, authentication process device 211, reservation processing device 212, the processor 213 of registering, clock chip 214, power supply 215, encrypting and decrypting processor 216, wired communication interface 217, wireless communication interface 218, identity arranges interface 219 and map updating interface 220, wherein, central processing unit 201 connects other each function elements, plays the effect of controlling described each function element co-ordination.
Concrete, in the bank service device that the present embodiment provides, the specific works principle of each function element can referring to embodiment one, repeat no more herein.
Embodiment three
The present embodiment provides an atm device, and as shown in Figure 3, this atm device comprises: subscription command receiving port 301, subscription server 302;
Described subscription command receiving port 301 connects described subscription server 302, is used for starting described subscription server 302 when order is withdrawn the money in the reservation that receives the banking system transmission;
Described subscription server 302 is used for receiving bank's card number of user's input and the password and be transmitted to banking system of withdrawing the money; And receive that the consistent and reservation that described user inputs of bank's card number that bank's card number that banking system determines described user input and described reservation withdraw the money withdraws the money that password and described disposable reservation withdraw the money that password returns when consistent tell the paper money order time, for the user provides the service of withdrawing the money.
Concrete, the subscription command receiving port 301 in this atm device passes through bank's dedicated Internet access to banking system.
Embodiment four
The present embodiment provides a banking system, and this banking system comprises: preengage the processor of withdrawing the money;
Described reservation is withdrawn the money processor for the reservation message that receives the transmission of bank service device and the message of registering, described reservation message comprises reservation bank's card number of withdrawing the money and the positional information of specifying ATM (Automatic Teller Machine) ATM site, and the described message of registering comprises the current positional information of described bank service device; Send the disposable reservation password of withdrawing the money to described bank service device when determining that the positional information of the current positional information of described bank service device and described appointment ATM site is consistent; Send to atm device corresponding to described appointment ATM site and preengage the order of withdrawing the money; The reservation that receives bank's card number of user's input that atm device corresponding to described appointment ATM site return and the user's input password of withdrawing the money, withdraw the money password and described disposable reservation of the consistent and reservation described user's input of bank's card number that bank's card number of determining described user input and described reservation are withdrawn the money withdrawn the money password when consistent, specifies atm device transmission corresponding to ATM site to tell the paper money order to described.
Concrete, as shown in Figure 4, the banking system that the present embodiment provides is comprised of banking server 401, bank preposing server 402, bank's access server 403 and fire wall 404; Wherein, banking server 401 comprises the described reservation processor of withdrawing the money; Inner in banking system, all connected by bank's dedicated network between banking server 401, bank preposing server 402, atm device, bank's access server 403, fire wall 404;
Bank's access server 403 is deployed in public network, is used for receiving the bank service device by the message of cordless communication network or wireline communication network transmission and is transmitted to banking server 401;
Embodiment five
The present embodiment provides a kind of bank service system, and as shown in Figure 5, this system comprises: bank service device 51, banking system 52 and atm device 53; Wherein,
Described bank service device 51 connects described banking system 52, when being used for receiving the subscription command of user's input, generate reservation message and send to banking system 52, described reservation message comprises bank's card number that reservation is withdrawn the money and specifies the positional information of ATM (Automatic Teller Machine) ATM site; Obtain the positional information of this bank service device 51 self; When receiving the sign on command of user's input, generate the information and sending of registering to described banking system 52, the described message of registering comprises the current positional information of described bank service device 51; Receive and show disposable reservation that described banking system 52 the is returned password of withdrawing the money;
Described banking system 52 connects described atm device 53, is used for receiving described reservation message and the message of registering; Send the disposable reservations password of withdrawing the money to described bank service device 51 when the positional information of the positional information of determining described bank service device 51 and described appointment ATM site is consistent; Send to atm device 53 corresponding to described appointment ATM site and preengage the order of withdrawing the money; Consistent and the reservation described user's input of bank's card number that the reservation that receives bank's card number of user's input that atm device 53 corresponding to described appointment ATM site return and the user's input password of withdrawing the money, bank's card number of determining described user's input and described reservation are withdrawn the money password and the described disposable reservation password of withdrawing the money of withdrawing the money is told the paper money order to atm device 53 transmissions corresponding to the described ATM of appointment site when consistent;
Described atm device 53 is used for receiving the described reservation order of withdrawing the money; Receive bank's card number of user's input and the password and be transmitted to described banking system 52 of withdrawing the money, receiving describedly provides for the user service of withdrawing the money when telling the paper money order.
Preferably, when described bank service device 51 also obtains order for the site that receives user's input, obtain the current positional information of this bank service device 51, generate the site and obtain information and sending to described banking system 52, described site obtains message and comprises the current positional information of described bank service device 51;
Described banking system 52 also is used for receiving described site and obtains message, determine around described bank service device 51 current position at least one ATM site in setting range, and the positional information of described at least one ATM site is sent to described bank service device 51;
Described bank service device 51 also is used for being defined as described appointment ATM site according to the specified command of user's input from described at least one one of ATM site selection.
Preferably, described banking system 52 also is used for sending to described bank service device 51 order is set, and describedly order is set comprises subscriber identity information;
Described bank service device 51 also is used for comprising described subscriber identity information in the reservation message that sends to described banking system 52;
Described banking system 52 is used for also verifying whether the subscriber identity information that described reservation message comprises is legal, and confirming as when legal, returns to the reservation success message to described bank service device 51.
Embodiment six
The present embodiment provides a concrete bank service system, and as shown in Figure 6, this system comprises: bank service device 61, atm device 62, banking system 63; Banking system 63 specifically comprises banking server 631, bank preposing server 632, bank's access server 633 and fire wall 634; Wherein, bank's dedicated network is all passed through between banking server 631, bank preposing server 632, bank's access server 633 and fire wall 634 interconnected in banking system 63 inside; Bank service device 61 is connected to fire wall 634 by internet or mobile communications network; Atm device 62 is by bank's dedicated Internet access bank preposing server 632.
The bank service system that the user is provided by the present embodiment below in conjunction with Fig. 7 carries out describing without the detailed operation steps of card enchashment:
1, user's reservation
Step 701: the user starts bank service device 61, after input authentication information (as password or fingerprint), enters ATM without card enchashment reservation function;
Step 702: the user inputs the site and obtains order, and bank service device 61 utilizes GPS to obtain the position (as the longitude and latitude data) at current place and generate the site and obtains message, is sent to banking system 63;
Step 703: banking system 63 calculates several the ATM site nearest apart from bank service device 61 current locations (being the current position of user), and the positional information of these ATM site is returned to bank service device 61;
Step 704: bank service device 61 shows user's current location with the form of electronic chart, and the position of distance users nearest several ATM site; In addition, bank service device 61 can also provide the route query function, calculates and represents that the user arrives the riding of a certain ATM site, drives, Walking Route;
Step 705: the user selects an ATM site as formulating the ATM site, and input specified command, bank service device 61 determine that the user wants to preengage the appointment ATM site positional information of withdrawing the money;
Step 706: the user inputs subscription command, includes in this subscription command that the user wants to preengage bank's card number of withdrawing the money, subscription time section, specifies the ATM site, the amount of money and reservation check code are withdrawn the money in reservation; Bank service device 61 generates reservation message and also sends to banking system 63, includes bank's card number, subscription time section that subscriber identity information, device identification code, reservation withdraw the money in this reservation message, specifies ATM site positional information, reservation the withdraw the money amount of money and reservation check code;
Step 707: the legitimacy of banking system 63 identifying user identity information and device identification code, verification returns to bank service device 61 by rear generation reservation success message, and generation is simultaneously preengage the order of withdrawing the money and is sent to atm device 62 corresponding to appointment ATM site;
Step 708: bank service device 61 notifies the user to preengage successfully by display screen.
2, the user registers
Step 709: after the user arrives and specifies the ATM site, the input sign on command; Bank service device 61 obtains the current position of user, and generates the message of registering and send to banking system 63; This process is equivalent to the user and sends the notice in " I am just in the somewhere " to bank;
Step 710: banking system 63 judges whether user current position is consistent with the position of specifying the ATM site; If consistent, execution in step 711, otherwise, return to the failed message of registering corresponding to bank service device 61(, bank service device 61 will send the message of registering again to banking system 63 after receiving the failed message of registering);
Step 711: banking system 63 dynamically generates disposable reservation password of withdrawing the money, and returns to bank service device 61; In addition, bank can set this disposable reservation withdraw the money password effective time and send to bank service device 61, to inform this disposable reservation of user password expire of withdrawing the money;
Step 712: bank service device 61 is received withdraw the money password and be shown to the user of disposable reservation.
3, user's enchashment
Step 713: the user operates atm device 62, selects to enter without card enchashment function;
Step 714: card number, bank card password, the disposable reservation that the user withdraws the money to atm device 62 input reservation check codes, the reservation information such as password of withdrawing the money;
The step 715:ATM equipment 62 reservation check code of user input, card number, bank card password, disposable reservation that reservation is withdrawn the money the are withdrawn the money information such as password and the atm device of self 62 identification codes send to banking system 63;
Step 716: whether the withdraw the money information such as password and atm device 62 identification codes (the checking whether atm device 62 corresponding with described appointment ATM site is complementary) of card number, bank card password, the disposable reservation that the reservation check code of banking system 63 authentication of users inputs, reservation are withdrawn the money are correct, if send and tell the paper money order to atm device 62;
Step 717:ATM equipment 62 is told paper money, and the user completes without the card enchashment, prints the drawing voucher.
In sum, the bank service device, atm device, banking system and the bank service system that provide of the embodiment of the present invention has following beneficial effect:
(1) provide reservation for the user carries out the enchashment of nothing card, register, the functions such as location, route inquiry, navigation;
(2) support wired and wireless two kinds of communication modes;
(3) greatly reduce the danger that the information of withdrawing the money is stolen;
(4) guarantee that the atm device that the user withdraws the money is the legitimate device that bank is arranged at the public place, guarantee the security of user's fund.
Above-described specific embodiment; purpose of the present invention, technical scheme and beneficial effect are further described; institute is understood that; the above is only specific embodiments of the invention; the protection domain that is not intended to limit the present invention; within the spirit and principles in the present invention all, any modification of making, be equal to replacement, improvement etc., within all should being included in protection scope of the present invention.
Claims (15)
1. a bank service device, is characterized in that, described bank service device comprises: reservation processing device, location processor, register processor and display screen; Wherein,
When described reservation processing device is used for receiving the subscription command of user's input, generates reservation message and send to banking system, described reservation message comprises bank's card number that reservation is withdrawn the money and specifies the positional information of ATM (Automatic Teller Machine) ATM site;
Described location processor is used for obtaining the positional information of described bank service device;
The described processor of registering connects described location processor, when being used for receiving the sign on command of user's input, generating and registers information and sending to banking system, and the described message of registering comprises the current positional information of described bank service device; Receive disposable reservation that banking system the returns password of withdrawing the money when the positional information of determining the current positional information of described bank service device and the described ATM of appointment site is consistent;
Described display screen connects the described processor of registering, and is used for showing the described disposable reservation password of withdrawing the money.
2. bank service device according to claim 1, is characterized in that, described bank service device also comprises: given processor;
Described given processor connects respectively described location processor, described display screen and described reservation processing device, when obtaining order for the site that receives user's input, obtain the current positional information of described bank service device from described location processor, generate the site and obtain information and sending to banking system, described site obtains message and comprises the current positional information of described bank service device; The positional information of at least one ATM site that receives that banking system returns also is transmitted to described display screen and shows; Select in described at least one ATM site one as described appointment ATM site according to the specified command of user input, the positional information of described appointment ATM site is sent to described reservation processing device, and described at least one ATM site is positioned at the setting range around described bank service device position.
3. bank service device according to claim 2, is characterized in that, described bank service device also comprises: map register and map label processor;
Described map register connects described map label processor, is used to described map label processor that electronic chart is provided;
Described map label processor connects described given processor and described display screen, be used for obtaining from described given processor the positional information of described at least one ATM site, on electronic chart, described at least one ATM site is marked, and send to described display screen to show described electronic chart with mark.
4. bank service device according to claim 3, is characterized in that, described bank service device also comprises: the map updating interface;
Described map updating interface connects described map register, is used for described electronic chart is upgraded.
5. bank service device according to claim 3, is characterized in that, described bank service device also comprises: the circuit query processor;
described circuit query processor connects described location processor, described given processor and described display screen, when being used for receiving the querying command of user's input, obtain the positional information of described bank service device from described location processor, obtain the positional information of described at least one ATM site from described given processor, determine that according to described querying command the user wants the ATM site of inquiring about, the route of the ATM site of determining from the position at described bank service device place to want to inquire about to described user, and send to described display screen to show in described route, described user wants to inquire about ATM site is in described at least one ATM site.
6. bank service device according to claim 5, is characterized in that, described bank service device also comprises: navigating instrument;
Described navigating instrument connects described location processor, described given processor and described display screen, when being used for receiving the navigation command of user's input, positional information from the described bank service device of described location processor Real-time Obtaining, obtain the positional information of described appointment ATM site from described given processor, determine navigation information according to the positional information of the positional information of current described bank service device and described appointment ATM site, send to described display screen to show described navigation information.
7. bank service device according to claim 1, is characterized in that, described bank service device also comprises: the encrypting and decrypting processor;
Described encrypting and decrypting processor connects described reservation processing device and the described processor of registering, and is used for described banking system and described reservation processing device and the described information of transmitting between processor of registering are encrypted or decipher.
8. according to claim 1 ~ 7 arbitrary described bank service devices, is characterized in that, described bank service device also comprises: identity arranges interface and identity information register; Wherein,
It is the ad hoc interface of bank that described identity arranges interface, be used for receiving the banking system input order is set the time, according to the described command set subscriber identity information that arranges;
Described identity information register connects described identity interface is set, and is used for storing described subscriber identity information;
Described reservation processing device also connects described identity information register, is used for comprising described subscriber identity information in the reservation message that sends to banking system; The reservation success message that the subscriber identity information that the reception banking system comprises in confirming described reservation message returns when being legal.
9. bank service device according to claim 8, is characterized in that, described bank service device also comprises: the authentication process device;
Described authentication process device connects described identity information register, described reservation processing device and the described processor of registering, be used for receiving the authentication information of user's input, verify the legitimacy of the authentication information of described user's input according to the subscriber identity information of described identity information register-stored, and when being legal, triggers described reservation processing device and the described processor unlatching of registering in the authentication information of determining described user's input.
10. bank service device according to claim 8, is characterized in that, described bank service device also comprises: keyboard, wired communication interface, wireless communication interface, power supply and clock chip.
11. an ATM (Automatic Teller Machine) atm device is characterized in that, comprising: subscription command receiving port, subscription server;
Described subscription command receiving port connects described subscription server, is used for starting described subscription server when order is withdrawn the money in the reservation that receives the banking system transmission;
Described subscription server be used for to receive bank's card number of user's input and the password and be transmitted to banking system of withdrawing the money; And receive that the consistent and reservation that described user inputs of bank's card number that bank's card number that banking system determines described user input and described reservation withdraw the money withdraws the money that password and described disposable reservation withdraw the money that password returns when consistent tell the paper money order time, for the user provides the service of withdrawing the money.
12. a banking system is characterized in that, described banking system comprises: preengage the processor of withdrawing the money;
Described reservation is withdrawn the money processor for the reservation message that receives the transmission of bank service device and the message of registering, described reservation message comprises reservation bank's card number of withdrawing the money and the positional information of specifying ATM (Automatic Teller Machine) ATM site, and the described message of registering comprises the current positional information of described bank service device; Send the disposable reservation password of withdrawing the money to described bank service device when determining that the positional information of the current positional information of described bank service device and described appointment ATM site is consistent; Send to atm device corresponding to described appointment ATM site and preengage the order of withdrawing the money; The reservation that receives bank's card number of user's input that atm device corresponding to described appointment ATM site return and the user's input password of withdrawing the money, withdraw the money password and described disposable reservation of the consistent and reservation described user's input of bank's card number that bank's card number of determining described user input and described reservation are withdrawn the money withdrawn the money password when consistent, specifies atm device transmission corresponding to ATM site to tell the paper money order to described.
13. a bank service system is characterized in that, described bank service system comprises: bank service device as claimed in claim 1, ATM (Automatic Teller Machine) atm device as claimed in claim 11 and banking system as claimed in claim 12; Wherein,
Described bank service device connects described banking system, when being used for receiving the subscription command of user's input, generate reservation message and send to banking system, described reservation message comprises bank's card number that reservation is withdrawn the money and specifies the positional information of ATM (Automatic Teller Machine) ATM site; Obtain the positional information of this bank service device self; When receiving the sign on command of user's input, generate the information and sending of registering to described banking system, the described message of registering comprises the current positional information of described bank service device; Receive and show disposable reservation that described banking system the is returned password of withdrawing the money;
Described banking system connects described atm device, is used for receiving described reservation message and the message of registering; Send the disposable reservation password of withdrawing the money to described bank service device when the positional information of the positional information of determining described bank service device and described appointment ATM site is consistent; Send to atm device corresponding to described appointment ATM site and preengage the order of withdrawing the money; Consistent and the reservation described user's input of bank's card number that the reservation that receives bank's card number of user's input that atm device corresponding to described appointment ATM site return and the user's input password of withdrawing the money, bank's card number of determining described user's input and described reservation are withdrawn the money password and the described disposable reservation password of withdrawing the money of withdrawing the money is told the paper money order to atm device transmission corresponding to the described ATM of appointment site when consistent;
Described atm device is used for receiving the described reservation order of withdrawing the money; Receive bank's card number of user's input and the password and be transmitted to described banking system of withdrawing the money, receiving describedly provides for the user service of withdrawing the money when telling the paper money order.
14. bank service system according to claim 13 is characterized in that,
When described bank service device also obtains order for the site that receives user's input, obtain the current positional information of this bank service device, generate the site and obtain information and sending to described banking system, described site obtains message and comprises the current positional information of described bank service device;
Described banking system also is used for receiving described site and obtains message, determine around described bank service device current position at least one ATM site in setting range, and the positional information of described at least one ATM site is sent to described bank service device;
Described bank service device also is used for being defined as described appointment ATM site according to the specified command of user's input from described at least one one of ATM site selection.
15. bank service system according to claim 13 is characterized in that,
Described banking system also is used for sending to described bank service device order is set, and describedly order is set comprises subscriber identity information;
Described bank service device also is used for comprising described subscriber identity information in the reservation message that sends to described banking system;
Described banking system is used for also verifying whether the subscriber identity information that described reservation message comprises is legal, and confirming as when legal, returns to the reservation success message to described bank service device.
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| CN201210570614.4A CN103106749B (en) | 2012-12-25 | 2012-12-25 | Bank service device, atm device, banking system and bank service system |
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