CN103530957A - Method and system for non-card withdrawal transaction through self-service money depositing and withdrawing equipment - Google Patents
Method and system for non-card withdrawal transaction through self-service money depositing and withdrawing equipment Download PDFInfo
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- CN103530957A CN103530957A CN201310494326.XA CN201310494326A CN103530957A CN 103530957 A CN103530957 A CN 103530957A CN 201310494326 A CN201310494326 A CN 201310494326A CN 103530957 A CN103530957 A CN 103530957A
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Abstract
The invention provides a method and system for non-card withdrawal transaction through self-service money depositing and withdrawing equipment. The method comprises the steps that an ATM sends user transaction information to a background server; the ATM receives a return transaction result of the background server; the ATM judges whether bank notes are output or not according to the transaction result, the ATM outputs the bank notes if bank note output can be carried out, and otherwise the bank notes are not output. The method and system have the advantages that a user does not need to take a bank card along, transaction procedures are reduced, and generation of the situations of card taking forgetting and the like is avoided; data safety is guaranteed by means of NFC.
Description
Technical field
The present invention relates to data transmission and process field, relate in particular to the self-service equipment of depositing and withdrawing and carry out the method and system of withdrawing the money and concluding the business without card.
Background technology
At present, user withdraws the money by ATM, must first insert bank card, input password, and after option dealing type and the amount of money, equipment is just understood note output.User need to carry bank card, and transaction results is subject to reader device impact, if card-reading apparatus fault, the transaction of cannot withdrawing the money.The process of normally withdrawing the money, plug-in card card taking step is indispensable, and password is inputted by EPP keyboard.The existing transaction of withdrawing the money, complex operation, more consuming time, user experiences to be improved.
ATM: the self-service equipment of depositing and withdrawing.
Summary of the invention
In order to solve the problems of the prior art, the invention provides a kind of self-service equipment of depositing and withdrawing and carry out the method for withdrawing the money and concluding the business without card.
The invention provides a kind of self-service equipment of depositing and withdrawing and carry out the method for withdrawing the money and concluding the business without card, comprise the steps:
A.ATM receives the customer transaction information of intelligent terminal output by NFC;
B.ATM receives the password of user's input;
C.ATM sends customer transaction information to background server;
D.ATM receives the transaction results that background server returns;
E.ATM judges whether to carry out note output according to transaction results, if can note output, ATM carries out note output so, otherwise note output not.
As a further improvement on the present invention, in described steps A, customer transaction packets of information purse rope go to bank account number, Web bank's password, dealing money.
As a further improvement on the present invention, in described step B, ATM shows that customer transaction information is for user's confirmation, and ATM receives the password of user's input.
As a further improvement on the present invention, in described steps A: ATM is provided with NFC equipment, intelligent terminal is provided with NFC equipment.
As a further improvement on the present invention, in described step e: ATM judges whether to carry out note output according to transaction results, if can note output, ATM carries out note output so, otherwise note output show not note output information not.
The present invention also provides a kind of self-service equipment of depositing and withdrawing to carry out the system of withdrawing the money and concluding the business without card, comprising:
Customer transaction information receiving module, for receiving the customer transaction information of intelligent terminal output by NFC;
Password receiver module, for receiving the password of user's input;
Customer transaction information sending module, for sending customer transaction information to background server;
Transaction results receiver module, the transaction results of returning for receiving background server;
Execution module, for judge whether to carry out note output according to transaction results, if can note output, ATM carries out note output so, otherwise note output not.
As a further improvement on the present invention, in described customer transaction information receiving module, customer transaction packets of information purse rope go to bank account number, Web bank's password, dealing money.
As a further improvement on the present invention, in described password receiver module, ATM shows that customer transaction information is for user's confirmation, and ATM receives the password of user's input.
As a further improvement on the present invention, in described customer transaction information receiving module: ATM is provided with NFC equipment, intelligent terminal is provided with NFC equipment.
As a further improvement on the present invention, in described execution module, ATM judges whether to carry out note output according to transaction results, if can note output, ATM carries out note output so, otherwise note output show not note output information not.
The invention has the beneficial effects as follows: in the present invention, user need not carry bank card, reduce transaction flow, avoid forgetting the situations such as card taking and occur; NFC short-range communication ensures data security.
Accompanying drawing explanation
Fig. 1 is method flow diagram of the present invention.
Embodiment
As shown in Figure 1, the invention discloses a kind of self-service equipment of depositing and withdrawing and carry out the method for withdrawing the money and concluding the business without card, comprise the steps:
In step S1, ATM receives the customer transaction information of intelligent terminal output by NFC;
In step S2, ATM receives the password of user's input;
In step S3, ATM sends customer transaction information to background server;
In step S4, ATM receives the transaction results that background server returns;
In step S5, ATM judges whether to carry out note output according to transaction results, if can note output, ATM carries out note output so, otherwise note output not.
In described step S1, customer transaction packets of information purse rope go to bank account number, Web bank's password, dealing money.
In described step S2, ATM shows that customer transaction information is for user's confirmation, and ATM receives the password of user's input.
In described step S1: ATM is provided with NFC equipment, intelligent terminal is provided with NFC equipment.
In described step S5: ATM judges whether to carry out note output according to transaction results, if can note output, ATM carries out note output so, otherwise note output show not note output information not.
The invention also discloses a kind of self-service equipment of depositing and withdrawing and carry out the system of withdrawing the money and concluding the business without card, comprising:
Customer transaction information receiving module, for receiving the customer transaction information of intelligent terminal output by NFC;
Password receiver module, for receiving the password of user's input;
Customer transaction information sending module, for sending customer transaction information to background server;
Transaction results receiver module, the transaction results of returning for receiving background server;
Execution module, for judge whether to carry out note output according to transaction results, if can note output, ATM carries out note output so, otherwise note output not.
In described customer transaction information receiving module, customer transaction packets of information purse rope go to bank account number, Web bank's password, dealing money.
In described password receiver module, ATM shows that customer transaction information is for user's confirmation, and ATM receives the password of user's input.
In described customer transaction information receiving module: ATM is provided with NFC equipment, intelligent terminal is provided with NFC equipment.
In described execution module, ATM judges whether to carry out note output according to transaction results, if can note output, ATM carries out note output so, otherwise note output show not note output information not.
Use the present invention, user need not carry bank card.Use is with the intelligent terminal of NFC function, user's logging in to online banks, select account and the amount of money of withdrawing the money, on atm device, select to conclude the business by NFC mode, on intelligent terminal and atm device, NFC device touches, by the point-to-point transmission mode of NFC function, customer transaction information is sent to ATM application, apply and receive after information, user, according to prompting input password, completes transaction.
Intelligent terminal possesses NFC function, supports ad hoc mode (peer to peer) transmission data.Develop on this basis App, possess the function that sends data to an other NFC equipment.NFC intelligent terminal App(is hereinafter to be referred as App) can store Private Banking's accounts information, by the connection network server that goes to bank, can obtain the state of current account.Selecting to carry out nothing card while withdrawing the money by NFC function, user can select account, inputs the amount of money of withdrawing the money, and is then sent to atm device.
NFC read write line belongs to new module, need on existing atm device, install additional.User can select " NFC withdraws the money without card " in ATM application.User sends to ATM by App by Transaction Information, and ATM, after receiving the Transaction Information sending, is presented at information on interface and treats that user confirms, Application Hints input trading password after confirming is follow-up according to conventional transaction flow processing.
In the present invention, user need not carry bank card, reduces transaction flow, avoids forgetting the situations such as card taking and occurs; NFC short-range communication ensures data security.Intelligent terminal with NFC function all can use, and comprises smart mobile phone, panel computer etc.; Point-to-point transmission data comprise transaction account, type of transaction, the information such as dealing money.
Above content is in conjunction with concrete preferred implementation further description made for the present invention, can not assert that specific embodiment of the invention is confined to these explanations.For 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. the self-service equipment of depositing and withdrawing carries out the method for withdrawing the money and concluding the business without card, it is characterized in that, comprises the steps:
A.ATM receives the customer transaction information of intelligent terminal output by NFC;
B.ATM receives the password of user's input;
C.ATM sends customer transaction information to background server;
D.ATM receives the transaction results that background server returns;
E.ATM judges whether to carry out note output according to transaction results, if can note output, ATM carries out note output so, otherwise note output not.
2. the self-service equipment of depositing and withdrawing according to claim 1 carries out, without the withdraw the money method of transaction of card, it is characterized in that: in described steps A, and customer transaction packets of information purse rope go to bank account number, Web bank's password, dealing money.
3. the self-service equipment of depositing and withdrawing according to claim 1 carries out the method for withdrawing the money and concluding the business without card, it is characterized in that: in described step B, ATM shows that customer transaction information supplies user to confirm, and ATM receives the password that user inputs.
4. the self-service equipment of depositing and withdrawing according to claim 1 carries out the method for withdrawing the money and concluding the business without card, it is characterized in that, in described steps A: ATM is provided with NFC equipment, intelligent terminal is provided with NFC equipment.
5. the self-service equipment of depositing and withdrawing according to claim 1 carries out the method for withdrawing the money and concluding the business without card, it is characterized in that, in described step e: ATM judges whether to carry out note output according to transaction results, if energy note output, ATM carries out note output so, otherwise note output show not note output information not.
6. the self-service equipment of depositing and withdrawing carries out the system of withdrawing the money and concluding the business without card, it is characterized in that, comprising:
Customer transaction information receiving module, for receiving the customer transaction information of intelligent terminal output by NFC;
Password receiver module, for receiving the password of user's input;
Customer transaction information sending module, for sending customer transaction information to background server;
Transaction results receiver module, the transaction results of returning for receiving background server;
Execution module, for judge whether to carry out note output according to transaction results, if can note output, ATM carries out note output so, otherwise note output not.
7. the self-service equipment of depositing and withdrawing according to claim 6 carries out, without the withdraw the money system of transaction of card, it is characterized in that, in described customer transaction information receiving module, and customer transaction packets of information purse rope go to bank account number, Web bank's password, dealing money.
8. the self-service equipment of depositing and withdrawing according to claim 6 carries out the system of withdrawing the money and concluding the business without card, it is characterized in that, in described password receiver module, ATM shows that customer transaction information supplies user to confirm, and ATM receives the password that user inputs.
9. the self-service equipment of depositing and withdrawing according to claim 6 carries out the system of withdrawing the money and concluding the business without card, it is characterized in that, in described customer transaction information receiving module: ATM is provided with NFC equipment, intelligent terminal is provided with NFC equipment.
10. the self-service equipment of depositing and withdrawing according to claim 6 carries out the system of withdrawing the money and concluding the business without card, it is characterized in that, in described execution module, ATM judges whether to carry out note output according to transaction results, if can note output, ATM carries out note output so, otherwise note output show not note output information not.
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| Application Number | Priority Date | Filing Date | Title |
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| CN201310494326.XA CN103530957A (en) | 2013-10-21 | 2013-10-21 | Method and system for non-card withdrawal transaction through self-service money depositing and withdrawing equipment |
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| CN201310494326.XA CN103530957A (en) | 2013-10-21 | 2013-10-21 | Method and system for non-card withdrawal transaction through self-service money depositing and withdrawing equipment |
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Cited By (13)
| Publication number | Priority date | Publication date | Assignee | Title |
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| CN104269000A (en) * | 2014-10-21 | 2015-01-07 | 中国建设银行股份有限公司 | Medium-free cash business processing method and system |
| CN104361677A (en) * | 2014-11-07 | 2015-02-18 | 中国建设银行股份有限公司 | Non-contact money withdrawing method and self-service equipment |
| CN104574691A (en) * | 2014-12-23 | 2015-04-29 | 张文 | Service processing method and system based on automatic teller machine |
| CN104809827A (en) * | 2015-05-23 | 2015-07-29 | 张萍 | Cash depositing and withdrawing system based on Internet of things |
| CN105139520A (en) * | 2015-10-08 | 2015-12-09 | 昆山古鳌电子机械有限公司 | Currency processing unit and automatic transaction processing device |
| CN105205944A (en) * | 2015-09-22 | 2015-12-30 | 电子科技大学 | Self-service deposit and withdrawal system based on intelligent terminal |
| CN105303682A (en) * | 2015-10-08 | 2016-02-03 | 昆山古鳌电子机械有限公司 | Bank note processing device |
| 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 |
| CN106934613A (en) * | 2017-03-02 | 2017-07-07 | 中国工商银行股份有限公司 | Without card withdrawal ATM, mobile terminal, server, system and method |
| CN111553764A (en) * | 2020-04-27 | 2020-08-18 | 中国银行股份有限公司 | Financial product recommendation method and related device |
| CN111640264A (en) * | 2020-06-11 | 2020-09-08 | 中国银行股份有限公司 | Automatic teller machine and method for card withdrawal |
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| EP2645343A2 (en) * | 2012-03-30 | 2013-10-02 | Bixolon Co., Ltd. | POS terminal and POS system using mobile terminal |
| CN203134005U (en) * | 2013-03-20 | 2013-08-14 | 杭州图顺科技有限公司 | Non-contact e-payment front end |
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Cited By (17)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN104269000A (en) * | 2014-10-21 | 2015-01-07 | 中国建设银行股份有限公司 | Medium-free cash business processing method and system |
| CN104361677B (en) * | 2014-11-07 | 2017-06-16 | 中国建设银行股份有限公司 | It is non-to access money method and self-service device |
| CN104361677A (en) * | 2014-11-07 | 2015-02-18 | 中国建设银行股份有限公司 | Non-contact money withdrawing method and self-service equipment |
| CN104574691A (en) * | 2014-12-23 | 2015-04-29 | 张文 | Service processing method and system based on automatic teller machine |
| CN104574691B (en) * | 2014-12-23 | 2017-07-04 | 张文 | A kind of method for processing business and system based on automatic teller machine |
| CN104809827A (en) * | 2015-05-23 | 2015-07-29 | 张萍 | Cash depositing and withdrawing system based on Internet of things |
| CN105205944A (en) * | 2015-09-22 | 2015-12-30 | 电子科技大学 | Self-service deposit and withdrawal system based on intelligent terminal |
| CN105139520A (en) * | 2015-10-08 | 2015-12-09 | 昆山古鳌电子机械有限公司 | Currency processing unit and automatic transaction processing device |
| CN105303682A (en) * | 2015-10-08 | 2016-02-03 | 昆山古鳌电子机械有限公司 | Bank note processing device |
| 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 |
| 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 |
| 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 |
| 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 |
| CN106934613A (en) * | 2017-03-02 | 2017-07-07 | 中国工商银行股份有限公司 | Without card withdrawal ATM, mobile terminal, server, system and method |
| CN111553764A (en) * | 2020-04-27 | 2020-08-18 | 中国银行股份有限公司 | Financial product recommendation method and related device |
| CN111640264A (en) * | 2020-06-11 | 2020-09-08 | 中国银行股份有限公司 | Automatic teller machine and method for card withdrawal |
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Address after: Futian District Jintian road Shenzhen City, Guangdong province 518000 No. 4018 Allianz building 27 floor A02 Applicant after: Shenzhen Yihua Computer Co., Ltd. Applicant after: Shenzhen Yihua Time Technology Co., Ltd. Applicant after: Shenzhen Yihua Financial Intelligent Research Institute Address before: Futian District Jintian road Shenzhen City, Guangdong province 518000 No. 4018 Allianz building 27 floor A02 Applicant before: Shenzhen Yihua Computer Ltd. Applicant before: Shenzhen Yihua Time Technology Co., Ltd. Applicant before: Shenzhen Yihua Financial Intelligent Research Institute |
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Application publication date: 20140122 |