CN103150837A - System and method for achieving cardless withdrawal on automatic teller machine (ATM) - Google Patents

System and method for achieving cardless withdrawal on automatic teller machine (ATM) Download PDF

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Publication number
CN103150837A
CN103150837A CN2013100403351A CN201310040335A CN103150837A CN 103150837 A CN103150837 A CN 103150837A CN 2013100403351 A CN2013100403351 A CN 2013100403351A CN 201310040335 A CN201310040335 A CN 201310040335A CN 103150837 A CN103150837 A CN 103150837A
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CN
China
Prior art keywords
atm
teller machine
automatic teller
money
withdrawing
Prior art date
Application number
CN2013100403351A
Other languages
Chinese (zh)
Inventor
彭彤
胡良辉
刘文海
Original Assignee
深圳市怡化电脑有限公司
深圳市怡化时代科技有限公司
深圳市怡化金融智能研究院
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Publication date
Application filed by 深圳市怡化电脑有限公司, 深圳市怡化时代科技有限公司, 深圳市怡化金融智能研究院 filed Critical 深圳市怡化电脑有限公司
Priority to CN2013100403351A priority Critical patent/CN103150837A/en
Publication of CN103150837A publication Critical patent/CN103150837A/en

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Abstract

The invention provides a system for achieving cardless withdrawal on an automatic teller machine (ATM) and a method for achieving the cardless withdrawal on the ATM. The system comprises the ATM, a proxy server and a transaction processing background, wherein a two-dimension code can be generated and displayed by the ATM; the proxy server is utilized to receive a withdrawal request message sent by a third party terminal, is connected with the ATM, and sends a cash dispensing order to the ATM; the ATM is connected with the transaction processing background; and the two-dimension code comprises an ATM identification number and transaction information; and the withdrawal request message comprises the two-dimension code and user information. The system for achieving the cardless withdrawal on the ATM and the method for achieving the cardless withdrawal on the ATM have the beneficial effect of capability of achieving cardless withdrawal, thereby being convenient for customers.

Description

Realize the system and method that the nothing card is withdrawn the money on ATM (Automatic Teller Machine)

Technical field

The present invention relates to the depositing and drawing in bank system, relate in particular to and realize the system and method for withdrawing the money without card on ATM (Automatic Teller Machine).

Background technology

At present, the user withdraws the money by ATM, must first insert bank card, the input password, and after option dealing type and the amount of money, equipment just can go out paper money.The user need to carry bank card, and transaction results is subject to the reader device impact, if the card-reading apparatus fault, the transaction of can't withdrawing the money.The process of normally withdrawing the money, plug-in card card taking step is indispensable, and password is by the input of EPP keyboard.

The existing transaction of withdrawing the money, complex operation, more consuming time, the user experiences to be improved.

Summary of the invention

In order to solve the problems of the prior art, the invention provides a kind of system that realizes that on ATM (Automatic Teller Machine) the nothing card is withdrawn the money.

The invention provides a kind of system that realizes that on ATM (Automatic Teller Machine) the nothing card is withdrawn the money, comprise ATM (Automatic Teller Machine), acting server, transaction processing backstage, described ATM (Automatic Teller Machine) can generate and two-dimensional code display, described acting server is used for receiving the solicited message of withdrawing the money that third party's terminal sends, described acting server is connected with described ATM (Automatic Teller Machine) and sends out the paper money instruction to described ATM (Automatic Teller Machine), and described ATM (Automatic Teller Machine) is connected with described transaction processing backstage; Described two-dimension code comprises ATM (Automatic Teller Machine) identification number and Transaction Information, and the described solicited message of withdrawing the money comprises two-dimension code and user profile.

As a further improvement on the present invention, described ATM (Automatic Teller Machine) comprises ATM (automatic teller machine), automatic teller machine.

As a further improvement on the present invention, this system also comprises third party's terminal, the two-dimension code that the described ATM (Automatic Teller Machine) of described third party's terminal taking shows.

As a further improvement on the present invention, described third terminal is smart mobile phone.

As a further improvement on the present invention, described smart mobile phone and described acting server are wireless connections.

The present invention also provides a kind of method that realizes that on ATM (Automatic Teller Machine) the nothing card is withdrawn the money, and comprises the steps:

A. ATM (Automatic Teller Machine) receives Transaction Information;

B. ATM (Automatic Teller Machine) generates Transaction Information and ATM (Automatic Teller Machine) identification number two-dimension code and shows;

C. the two-dimension code that shows of third party's terminal taking ATM (Automatic Teller Machine);

D. third party's terminal solicited message of withdrawing the money sends to acting server;

E. the acting server solicited message of withdrawing the money is transmitted to corresponding ATM (Automatic Teller Machine);

F. the ATM (Automatic Teller Machine) solicited message of withdrawing the money sends to the transaction processing backstage;

If G. the transaction processing backstage judges whether to ratify outputting note of ATM;

The described solicited message of withdrawing the money comprises two-dimension code and user profile.

As a further improvement on the present invention, in described step G, after check by authentication and account on the transaction processing backstage, determine whether ratify transaction; If this transaction is ratified on the transaction processing backstage, the automated teller of this transaction of notice execution can go out paper money.

As a further improvement on the present invention, in described step D, third party's terminal solicited message of withdrawing the money adopts 8583 message formats to be transferred to acting server with the TCP/IP form.

As a further improvement on the present invention, in described step D, encrypt the described solicited message of withdrawing the money by 3DES.

As a further improvement on the present invention, described third party's terminal is for moving the smart mobile phone of App program.

The invention has the beneficial effects as follows: the present invention can realize withdrawing the money without bank card, has facilitated the client.

Description of drawings

Fig. 1 is system principle diagram of the present invention.

Fig. 2 is method flow diagram of the present invention.

Embodiment

As shown in Figure 1, the invention discloses a kind of system that realizes that on ATM (Automatic Teller Machine) the nothing card is withdrawn the money, comprise ATM (Automatic Teller Machine) 1, acting server 3, transaction processing backstage 4, described ATM (Automatic Teller Machine) 1 can generate and two-dimensional code display, described acting server 3 is used for receiving the solicited message of withdrawing the money that third party's terminal 2 sends, described acting server 3 is connected with described ATM (Automatic Teller Machine) 1 and sends out the paper money instruction to described ATM (Automatic Teller Machine) 1, and described ATM (Automatic Teller Machine) 1 is connected with described transaction processing backstage 4; Described two-dimension code comprises ATM (Automatic Teller Machine) identification number and Transaction Information, and the described solicited message of withdrawing the money comprises two-dimension code and user profile.

Described ATM (Automatic Teller Machine) 1 comprises ATM (automatic teller machine), automatic teller machine.

This system also comprises third party's terminal 2, and described third party's terminal 2 is taken the two-dimension code that described ATM (Automatic Teller Machine) 1 shows.

Described third terminal 2 is that smart mobile phone or the panel computer with communication function are also passable.

Described smart mobile phone and described acting server 3 are wireless connections.

This system also comprises radio network gateway 5, and described smart mobile phone is connected with described acting server 3 by radio network gateway 5.

ATM (Automatic Teller Machine) 1 also comprises input equipment and the generation module that generates two-dimension code, and described input equipment is used for the input Transaction Information.Described input equipment comprises touch-screen or keyboard.

ATM (Automatic Teller Machine) 1 also comprises withdraw the money module and fault judge module, and described fault judge module is connected with the described module of withdrawing the money.After the user inputted dealing money, whether the fault judge module is judged equipment can go out paper money; Module failure can not be concluded the business if withdraw the money, and the interface prompt client trading stops.

As shown in Figure 2, the invention also discloses a kind of method that realizes that on ATM (Automatic Teller Machine) the nothing card is withdrawn the money, comprise the steps: in step S1, ATM (Automatic Teller Machine) receives Transaction Information; In step S2, ATM (Automatic Teller Machine) generates Transaction Information and ATM (Automatic Teller Machine) identification number two-dimension code and shows; In step S3, the two-dimension code that third party's terminal taking ATM (Automatic Teller Machine) shows; In step S4, third party's terminal solicited message of withdrawing the money sends to acting server; In step S5, the acting server solicited message of withdrawing the money is transmitted to corresponding ATM (Automatic Teller Machine); In step S6, the ATM (Automatic Teller Machine) solicited message of withdrawing the money sends to the transaction processing backstage; In step S7, if the transaction processing backstage judges whether to ratify outputting note of ATM.

The described solicited message of withdrawing the money comprises two-dimension code and user profile.

In step S7, after check by authentication and account on the transaction processing backstage, determine whether ratify transaction; If this transaction is ratified on the transaction processing backstage, the automated teller of this transaction of notice execution can go out paper money.

In step S4, third party's terminal solicited message of withdrawing the money adopts 8583 message formats to be transferred to acting server with the TCP/IP form.

In described step S4, encrypt the described solicited message of withdrawing the money by 3DES.

Described third party's terminal is for moving the smart mobile phone of App program.

ATM (Automatic Teller Machine) of the present invention comprises ATM and CDM, ATM: ATM (automatic teller machine), CDM: automatic teller machine.

The user need not carry bank card, only need to select the transaction of withdrawing the money on atm device, the input dealing money, ATM with these information with the formal output of two-dimension code to the interface, the user uses smart mobile phone operation mobile phone terminal App to take this 2 D code information, and be sent to acting server by the smart mobile phone solicited message of withdrawing the money, the acting server solicited message of withdrawing the money is transmitted to corresponding ATM, ATM receives that the solicited message of withdrawing the money after request sends to the transaction processing backstage, after the approval of transaction processing backstage, ATM goes out paper money, and the user completes the transaction of withdrawing the money.

App: the application software of installing on smart mobile phone, this App possesses the function of user's login, account management, 2 D code information extraction, request transmission.

Account management: the user need to increase accounts information on App, comprise bank of deposit, bank's card number, identity information, user login name, login password; An identity information can corresponding a plurality of accounts informations.

User's login: the user needs the input username and password when using App, and these information will be used when transaction.

2 D code information extracts: the user selects to withdraw the money transaction after login App, then wait 2 D code information to be entered; App possesses the function of taking two-dimension code and decoding; Decoded information will be used when transaction.

When using mobile phone to withdraw the money, the user claps after selecting account and gets the two-dimension code that ATM shows, then inputs password, sends the solicited message of withdrawing the money to acting server.

Acting server is used for receiving the solicited message of withdrawing the money that smart mobile phone App sends over, and by resolving this solicited message of withdrawing the money, the solicited message of withdrawing the money is transmitted to corresponding ATM, and result is returned to smart mobile phone App after transaction is completed.Acting server belongs to bank's internal server, and communicates by letter by wireless TCP/IP mode between smart mobile phone App, and communicates by letter by the TCP/IP mode between ATM.

The application that the ATM exploitation is new, display interface, provide this kind trading function of withdrawing the money to select when the customer transaction by touch screen or keyboard input devices, the input dealing money, with the information such as type of transaction, dealing money, device numbering use planar bar code technology with the formal output of picture to the interface.

ATM need to judge ATM and whether can go out paper money after the user select to withdraw the money transaction and input dealing money, if withdraw the money module failure, can not conclude the business, and the interface prompt client trading stops.

Acting server and transaction processing background synchronization user account information.

The system and method for the application of the invention need not to use bank card, completes money transaction by two-dimension code+smart mobile phone and transaction processing backstage.

ATM need to select to withdraw the money transaction the user, after the input dealing money, judge equipment and whether can go out paper money, if of course, ATM can adopt the two-dimension code formal output to transaction interface by the sign that this equipment is oriented on the backstage numbering of the dealing money of withdrawing the money of user input, ATM self or other.

Smart mobile phone must be downloaded special-purpose transaction software terminal App, and App can preserve user's accounts information, and App possesses the two-dimension code of shooting and decoding function.Obtain facility information and Transaction Information after App decoding, in conjunction with sending to the transaction processing backstage after the user profile encryption of preserving, transaction requests for permission.The combination of facility information, Transaction Information and user profile is the solicited message of withdrawing the money.

The transaction processing backstage receives the solicited message of withdrawing the money, and after check by authentication and account on the transaction processing backstage, determines whether ratify transaction, if approval notice are carried out the ATM of this transaction and can be gone out paper money.

In step S1, ATM (Automatic Teller Machine) receives Transaction Information; This Transaction Information is the information such as the amount of money of withdrawing the money of user's input.The ATM (Automatic Teller Machine) identification number refers to uniquely to represent that the numbering of this ATM (Automatic Teller Machine) itself or other can orient by the transaction processing backstage sign of this ATM (Automatic Teller Machine).

For example, the user withdraws the money 5000 yuans on No. 007 ATM, No. 007 is the ATM (Automatic Teller Machine) identification number, withdraws the money 5000 yuans for Transaction Information, just can realize need not by carrying out method of the present invention so withdrawing the money 5000 yuans in the situation of bank card on No. 007 ATM.

The present invention can realize withdrawing the money without bank card, has facilitated the client.

Above content is in conjunction with concrete preferred implementation further description made for the present invention, can not assert that concrete enforcement of the present invention is confined to these explanations.For the general technical staff of the technical field of the invention, without departing from the inventive concept of the premise, can also make some simple deduction or replace, all should be considered as belonging to protection scope of the present invention.

Claims (10)

1. system that realizes withdrawing the money without card on ATM (Automatic Teller Machine), it is characterized in that: comprise ATM (Automatic Teller Machine), acting server, transaction processing backstage, described ATM (Automatic Teller Machine) can generate and two-dimensional code display, described acting server is used for receiving the solicited message of withdrawing the money that third party's terminal sends, described acting server is connected with described ATM (Automatic Teller Machine) and sends out the paper money instruction to described ATM (Automatic Teller Machine), and described ATM (Automatic Teller Machine) is connected with described transaction processing backstage; Described two-dimension code comprises ATM (Automatic Teller Machine) identification number and Transaction Information, and the described solicited message of withdrawing the money comprises two-dimension code and user profile.
2. system according to claim 1, it is characterized in that: described ATM (Automatic Teller Machine) comprises ATM (automatic teller machine), automatic teller machine.
3. system according to claim 2, it is characterized in that: this system also comprises third party's terminal, the two-dimension code that the described ATM (Automatic Teller Machine) of described third party's terminal taking shows.
4. system according to claim 3, it is characterized in that: described third terminal is smart mobile phone.
5. system according to claim 4, it is characterized in that: described smart mobile phone and described acting server are wireless connections.
6. a method that realizes withdrawing the money without card on ATM (Automatic Teller Machine), is characterized in that, comprises the steps:
A. ATM (Automatic Teller Machine) receives Transaction Information;
B. ATM (Automatic Teller Machine) generates Transaction Information and ATM (Automatic Teller Machine) identification number two-dimension code and shows;
C. the two-dimension code that shows of third party's terminal taking ATM (Automatic Teller Machine);
D. third party's terminal solicited message of withdrawing the money sends to acting server;
E. the acting server solicited message of withdrawing the money is transmitted to corresponding ATM (Automatic Teller Machine);
F. the ATM (Automatic Teller Machine) solicited message of withdrawing the money sends to the transaction processing backstage;
If G. the transaction processing backstage judges whether to ratify outputting note of ATM;
The described solicited message of withdrawing the money comprises two-dimension code and user profile.
7. method according to claim 6, is characterized in that, in described step G, after check by authentication and account on the transaction processing backstage, determines whether ratify transaction; If this transaction is ratified on the transaction processing backstage, the automated teller of this transaction of notice execution can go out paper money.
8. method according to claim 7, is characterized in that, in described step D, third party's terminal solicited message of withdrawing the money adopts 8583 message formats to be transferred to acting server with the TCP/IP form.
9. method according to claim 8, is characterized in that, in described step D, encrypts the described solicited message of withdrawing the money by 3DES.
10. the described method of according to claim 6 to 9 any one, is characterized in that, described third party's terminal is for moving the smart mobile phone of App program.
CN2013100403351A 2013-02-01 2013-02-01 System and method for achieving cardless withdrawal on automatic teller machine (ATM) CN103150837A (en)

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Cited By (18)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
CN103746979A (en) * 2013-12-30 2014-04-23 飞天诚信科技股份有限公司 Data processing method and system
CN103778728A (en) * 2014-02-23 2014-05-07 王恩惠 Method and system for realizing transaction without bank card through automatic teller machine
CN103942897A (en) * 2014-04-23 2014-07-23 杭州电子科技大学 Method for money withdrawing without card on ATM
CN103942896A (en) * 2014-04-23 2014-07-23 杭州电子科技大学 System for money withdrawing without card on ATM
CN104157082A (en) * 2014-07-29 2014-11-19 中国联合网络通信集团有限公司 Automatic ticket collecting method and automatic ticket collecting device
CN104240371A (en) * 2014-09-24 2014-12-24 冯林 Money depositing and withdrawing system on basis of static two-dimensional codes
CN104408832A (en) * 2014-11-07 2015-03-11 齐亚斌 Method and system for finishing ATM (automatic teller machine) money withdrawing through mobile equipment
CN104821050A (en) * 2015-04-30 2015-08-05 交通银行股份有限公司 Method and system for manipulating automatic teller machine
CN104820944A (en) * 2015-05-11 2015-08-05 中国工商银行股份有限公司 Method and system for bank self-service terminal authentication, and device
CN105279694A (en) * 2015-11-18 2016-01-27 深圳怡化电脑股份有限公司 A method and a device for processing money withdrawing information of users
CN105488922A (en) * 2015-12-30 2016-04-13 中国建设银行股份有限公司 Cardless money withdrawing method and related devices and systems
CN105654376A (en) * 2015-12-30 2016-06-08 中国建设银行股份有限公司 Card-less withdrawal method, related device and system
CN105654377A (en) * 2015-12-30 2016-06-08 中国建设银行股份有限公司 Card-less withdrawal method, related device and system
EP3059705A4 (en) * 2013-10-14 2016-11-02 Zte Corp Transaction method and device for cardless cash withdrawal
CN106228707A (en) * 2014-09-24 2016-12-14 冯林 Withdrawal system based on dynamic two-dimension code
CN106605253A (en) * 2014-07-21 2017-04-26 贝宝公司 Secure cardless cash withdrawal
CN107085899A (en) * 2017-03-27 2017-08-22 深圳怡化电脑股份有限公司 The identity identifying method at finance self-help end and finance self-help end
JP2017211796A (en) * 2016-05-25 2017-11-30 日本電気株式会社 Transaction system, atm, server, transaction method, and program

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KR20110032735A (en) * 2009-09-24 2011-03-30 (주)이컴앤드시스템 Cash dispensing method using mobile bar-code, mobile terminal containing cash dispensing function and cash dispensing system using mobile bar-code
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Cited By (25)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
EP3059705A4 (en) * 2013-10-14 2016-11-02 Zte Corp Transaction method and device for cardless cash withdrawal
CN103746979A (en) * 2013-12-30 2014-04-23 飞天诚信科技股份有限公司 Data processing method and system
CN103778728A (en) * 2014-02-23 2014-05-07 王恩惠 Method and system for realizing transaction without bank card through automatic teller machine
CN103942897A (en) * 2014-04-23 2014-07-23 杭州电子科技大学 Method for money withdrawing without card on ATM
CN103942896A (en) * 2014-04-23 2014-07-23 杭州电子科技大学 System for money withdrawing without card on ATM
CN103942897B (en) * 2014-04-23 2016-11-09 杭州电子科技大学 A kind of method realizing withdrawing the money without card on ATM
CN106605253A (en) * 2014-07-21 2017-04-26 贝宝公司 Secure cardless cash withdrawal
CN104157082A (en) * 2014-07-29 2014-11-19 中国联合网络通信集团有限公司 Automatic ticket collecting method and automatic ticket collecting device
CN106228707A (en) * 2014-09-24 2016-12-14 冯林 Withdrawal system based on dynamic two-dimension code
CN106097555A (en) * 2014-09-24 2016-11-09 冯林 Withdrawal system based on static two dimensional code
CN106097555B (en) * 2014-09-24 2019-03-01 南京依智软件科技有限公司 Withdrawal system based on static two dimensional code
CN106228707B (en) * 2014-09-24 2019-07-09 柳欢 Withdrawal system based on dynamic two-dimension code
CN104240371A (en) * 2014-09-24 2014-12-24 冯林 Money depositing and withdrawing system on basis of static two-dimensional codes
CN104240371B (en) * 2014-09-24 2016-08-17 福建今日特价网络有限公司 Withdrawal system based on static two dimensional code
CN104408832A (en) * 2014-11-07 2015-03-11 齐亚斌 Method and system for finishing ATM (automatic teller machine) money withdrawing through mobile equipment
CN104821050A (en) * 2015-04-30 2015-08-05 交通银行股份有限公司 Method and system for manipulating automatic teller machine
CN104820944A (en) * 2015-05-11 2015-08-05 中国工商银行股份有限公司 Method and system for bank self-service terminal authentication, and device
CN105279694A (en) * 2015-11-18 2016-01-27 深圳怡化电脑股份有限公司 A method and a device for processing money withdrawing information of users
CN105654377A (en) * 2015-12-30 2016-06-08 中国建设银行股份有限公司 Card-less withdrawal method, related device and system
CN105654377B (en) * 2015-12-30 2020-01-17 中国建设银行股份有限公司 Cardless withdrawal method, related device and system
CN105654376A (en) * 2015-12-30 2016-06-08 中国建设银行股份有限公司 Card-less withdrawal method, related device and system
CN105488922A (en) * 2015-12-30 2016-04-13 中国建设银行股份有限公司 Cardless money withdrawing method and related devices and systems
CN105654376B (en) * 2015-12-30 2020-03-13 中国建设银行股份有限公司 Cardless withdrawal method, related device and system
JP2017211796A (en) * 2016-05-25 2017-11-30 日本電気株式会社 Transaction system, atm, server, transaction method, and program
CN107085899A (en) * 2017-03-27 2017-08-22 深圳怡化电脑股份有限公司 The identity identifying method at finance self-help end and finance self-help end

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