CN103942896B - System for realizing cardless withdrawal on ATM - Google Patents
System for realizing cardless withdrawal on ATM Download PDFInfo
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- CN103942896B CN103942896B CN201410166669.8A CN201410166669A CN103942896B CN 103942896 B CN103942896 B CN 103942896B CN 201410166669 A CN201410166669 A CN 201410166669A CN 103942896 B CN103942896 B CN 103942896B
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- 230000010365 information processing Effects 0.000 claims abstract description 6
- 238000000034 method Methods 0.000 claims abstract description 5
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- 230000004044 response Effects 0.000 claims description 11
- 230000005540 biological transmission Effects 0.000 claims description 3
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- 230000006872 improvement Effects 0.000 description 1
- 230000009897 systematic effect Effects 0.000 description 1
Abstract
The invention provides a system for realizing card-free withdrawal on an ATM (automatic teller machine), which comprises a mobile terminal, a background server and the ATM, wherein the mobile terminal is connected with the background server through a mobile internet, sends withdrawal request information to the background server and can generate a withdrawal two-dimensional code label according to withdrawal record information sent by the background server; the withdrawal record information is generated according to the withdrawal request information; the ATM comprises a two-dimensional code scanning module and a two-dimensional code analyzing module, and the two-dimensional code scanning module can scan and analyze a two-dimensional code label generated by the mobile terminal and send the two-dimensional code label to the background server; the ATM cash dispenser is connected with the background server through a bank intranet; and the background server receives information sent by the mobile terminal and the ATM, processes the information and sends a cash-out instruction to the ATM according to the information processing result. By adopting the technical scheme of the invention, various personal financial accounts can be directly paid out on the ATM through the mobile terminal, thereby facilitating the operation of users.
Description
Technical field
The present invention relates to bank ATM withdraw the money system, be specifically related to a kind of system being realized on ATM by mobile terminal and withdrawing the money without card.
Background technology
At present, user is withdrawn the money by ATM, it is necessary to first inserts bank card, just can carry out operation of withdrawing the money.But along with network finance and the fast development of mobile Internet, each big bank is all proposed the Internet bank and Mobile banking and finance product thereof, and the Alipay that Third-party payment platform such as Taobao releases is widely used, the most emerging network way to manage money such as remaining sum is precious and logical grade of financing is also favored by user deeply.It is contemplated that, money at future customer will more and more be stored in network individual account (the network finance product that remaining sum is precious, financing is logical, each big bank releases), and mobile-phone payment also will gradually replace payment of paying in cash and swipe the card, therefore, in the near future, the use frequency of bank card even can completely dispense with fewer and feweri.Under prior art means, user is the most convenient by the mobile terminal remittance that carries out transferring accounts, and the enchashment without card using a kind of safe and reliable technical scheme to realize ATM by mobile terminal will be next step developing direction.
For ensureing user account safety, existing ATM is all to access bank's in-house network, makes to become simple without card enchashment although allowing ATM access the Internet, but will be with sacrificing security as cost.And under existing ATM mode, user withdraws the money and the money of network individual account first proceeds to bank card, and ATM just can be gone to withdraw the money, this causes very big inconvenience to the user under the network finance epoch.
Therefore, for drawbacks described above present in currently available technology, it is necessary to study in fact, to provide a kind of scheme, solves defect present in prior art.
Summary of the invention
In order to overcome the defect of above-mentioned prior art, the invention provides a kind of system being realized on ATM machine by mobile terminal and withdrawing the money without card, thus can realize the deposit on network individual account directly by ATM enchashment.
For solving the problem that prior art exists, the technical scheme is that
A kind of system realizing withdrawing the money without card on ATM, including mobile terminal, background server and ATM cash dispenser, wherein,
Described mobile terminal is connected with background server by mobile Internet, sends withdrawal request information to background server and can generate, according to the withdrawl deposit record information that described background server sends, two-dimension code label of withdrawing the money；Described withdrawl deposit record information generates according to described withdrawal request information；
Described ATM cash dispenser includes Quick Response Code scan module and Quick Response Code parsing module, it is possible to scans and resolves the two-dimension code label that mobile terminal generates, be sent to background server；Described ATM cash dispenser is connected by bank's in-house network with described background server；
The information that described background server reception mobile terminal and ATM cash dispenser send over, carries out information processing, and sends note output instruction according to information processing result to described ATM cash dispenser.
Preferably, described background server also includes encryption/decryption module, and described encryption/decryption module is encrypted generation withdrawl deposit record information to the withdrawal request information sent from mobile terminal, and the information sent from ATM cash dispenser is decrypted operation.
Preferably, the random number that encryption key is background server stochastic generation that described encryption/decryption module uses.
Preferably, described Quick Response Code scan module is camera module.
Preferably, described mobile terminal is smart mobile phone.
Compared with prior art, beneficial effects of the present invention is as follows: realize various management of personal money account direct enchashment on ATM by mobile terminal, user-friendly.
Accompanying drawing explanation
Fig. 1 is the theory diagram that the embodiment of the present invention realizes the system withdrawn the money without card on ATM；
Fig. 2 is the workflow diagram that the embodiment of the present invention realizes the system withdrawn the money without card on ATM.
Detailed description of the invention
In order to make the purpose of the present invention, technical scheme and advantage clearer, below in conjunction with drawings and Examples, the present invention is further elaborated.Should be appreciated that specific embodiment described herein, only in order to explain the present invention, is not intended to limit the present invention.
On the contrary, the present invention contains any replacement made in the spirit and scope of the present invention, amendment, equivalent system and scheme being defined by the claims.Further, in order to make the public that the present invention to be had a better understanding, in below the details of the present invention being described, detailed describe some specific detail sections.The description not having these detail sections for a person skilled in the art can also understand the present invention completely.
See Fig. 1, show and realize the theory diagram of system that the embodiment of the present invention realizes withdrawing the money without card on ATM, including mobile terminal, background server with have Quick Response Code identification module ATM cash dispenser, wherein,
Mobile terminal is connected with background server by mobile Internet, sends withdrawal request information to background server and the withdrawl deposit record information according to background server transmission generates two-dimension code label of withdrawing the money；
ATM cash dispenser includes Quick Response Code scan module and Quick Response Code parsing module, it is possible to scan and identify the two-dimension code label that mobile terminal generates, and is connected with background server by bank's in-house network；
The information that background server reception mobile terminal and ATM cash dispenser send over, carries out information processing, and sends note output instruction according to information processing result to ATM cash dispenser.
The ATM of the embodiment of the present invention is communicated with background server by bank's Intranet, and the mobile terminal of the embodiment of the present invention is the smart mobile phone that can run client software, is communicated with background server by mobile Internet.Background server cuts off outer net and is directly accessed bank's in-house network, thus ensure that the safety of ATM.
The Quick Response Code scan module of the ATM of the embodiment of the present invention is common camera module.
Every ATM has unique identifying number, and ATM information at least includes ATM identification number；ATM can scan and resolve the two-dimension code label that mobile terminal generates, and the algorithm generating two-dimension code label in mobile terminal is corresponding with the algorithm resolving two-dimension code label in ATM.ATM will resolve after withdrawal information and ATM information be sent to background server, background server data handling procedure is, judge that the withdrawl deposit record information being originally generated is the most consistent with the two-dimension code label information after deciphering, if it is consistent, bank belonging to this ATM is determined further according to ATM information, with this ATM belonging to bank complete authentication and financial accounting after, decide whether ratify withdrawal request, if approval to this ATM send note output instruct.After ATM receives note output instruction, perform note output operation, and send out paper money operation to background server and run succeeded signal；Accordingly, background server sends, to mobile terminal, pass signal of withdrawing the money.
In order to ensure customer transaction safety, one preferred implementation of the present invention, background server also includes encryption/decryption module, and described encryption/decryption module is encrypted generation withdrawl deposit record information to the withdrawal request information sent from mobile terminal, and the information sent from ATM cash dispenser is decrypted operation.
Withdrawl deposit record information is that background server is generated by AES according to encryption key, and every withdrawl deposit record information has unique identification number, and identification number is non-encrypted information.Encryption key is the random number that background server produces when generating withdrawl deposit record information, and this random number is stored in background server after the identification number binding of the withdrawl deposit record information generated, and encryption key is randomly generated, and anyone cannot obtain.Accordingly, when background server receives the withdrawal information that ATM sends, identification number according to this withdrawl deposit record information determines the encryption key of correspondence, is decrypted the two-dimension code label information after algorithm obtains deciphering, and the AES of background server is corresponding with decipherment algorithm.After using this technological means, the withdrawal request information of the same content that same mobile terminal sends, the withdrawl deposit record information that background server is generated is different, because its encryption key is different, and what encryption key was randomly generated, being only stored in server, anyone cannot obtain, thus has ensured the safety of transaction.
In the preferred embodiment of the present invention, the cryptographic operation that encrypting module performs includes but is not only limited to symmetric key encryption algorithm, public key encryption algorithm, hash algorithm etc..Typical symmetric key encryption algorithm includes but is not only limited to AES-128 algorithm, AES-256 algorithm, DES algorithm and triple DES algorithm etc..Hash AES includes but is not only limited to SHA-1 algorithm, SHA-2 algorithm, SHA-3 algorithm and MD5 algorithm etc..Public key encryption includes but is not only limited to Diffie-Hellman algorithm, RSA Algorithm, DSA algorithm and ECC algorithm etc..
Seeing Fig. 2, show the embodiment of the present invention and realize the workflow diagram of the system withdrawn the money without card on ATM, comprise the steps: in step sl, mobile terminal sends withdrawal request information by mobile Internet to background server；In step s 2, background server generates corresponding withdrawl deposit record information according to withdrawal request information, and withdrawl deposit record information is sent to mobile terminal；In step s3, the withdrawl deposit record information that the client software on mobile terminal sends according to background server generates two-dimension code label；In step s 4, the two-dimension code label that ATM scanning mobile terminal generates, and this two-dimension code label information and this ATM information are sent to background server；In step s 5, background server carries out data process；In step s 6, background server sends note output instruction to corresponding ATM；In the step s 7, ATM performs note output operation after receiving note output instruction.
In step sl, running of mobile terminal personal account client also logs in personal account, and personal account is that management of personal money stores account, has unique identifying number；Personal account client can be Mobile banking of each big bank, Third-party payment platform or network financing account；Personal account client possesses the functions such as user's login, account management, two-dimension code label generation, withdrawal request transmission.Withdrawal request function is directed to background server and sends withdrawal request information；Two-dimension code label systematic function refers to that the withdrawl deposit record information sent according to background server generates two-dimension code label.
Withdrawal request information at least includes personal account identification number, the withdraw funds of user's input and real-time time；Real-time time is for recording the operation moment of user.When using mobile terminal to withdraw the money, user first inputs account number cipher and logs in personal account client software, sends withdrawal request information to background server after inputting the suitable amount of money；Withdrawl deposit record information at least includes withdrawal request information and identification number.
The present invention can withdraw the money without bank card, facilitate client in the case of ensureing transaction security on ATM realizes.
The foregoing is only presently preferred embodiments of the present invention, not in order to limit the present invention, all any amendment, equivalent and improvement etc. made within the spirit and principles in the present invention, should be included within the scope of the present invention.
Claims (3)
1. one kind realizes without the system withdrawn the money of card on ATM, it is characterised in that include mobile terminal,
Background server and ATM cash dispenser, wherein,
Described mobile terminal is connected with background server by mobile Internet, sends to background server and takes
Money solicited message also can generate, according to the withdrawl deposit record information that described background server sends, Quick Response Code mark of withdrawing the money
Sign；Described withdrawl deposit record information generates according to described withdrawal request information；
Described ATM cash dispenser includes Quick Response Code scan module and Quick Response Code parsing module, it is possible to scans and solves
The two-dimension code label that analysis mobile terminal generates, is sent to background server；Described ATM cash dispenser and described
Background server is connected by bank's in-house network；
The information that described background server reception mobile terminal and ATM cash dispenser send over, carries out information
Process, and send note output instruction according to information processing result to described ATM cash dispenser；Described background service
Device data handling procedure is, it is judged that the withdrawl deposit record information that is originally generated and deciphering through described ATM cash dispenser
After two-dimension code label information whether consistent, if unanimously, determine this ATM further according to ATM information
Belonging to bank, with this ATM belonging to bank complete authentication and financial accounting after to this ATM transmission note output
Instruction；
Described background server also includes encryption/decryption module, and described encryption/decryption module is to sending from mobile terminal
Withdrawal request information is encrypted generation withdrawl deposit record information, carries out the information sent from ATM cash dispenser
Decryption oprerations；
The random number that encryption key is background server stochastic generation that described encryption/decryption module uses；
Described encryption key is the random number that background server produces when generating withdrawl deposit record information, and this is random
Number is stored in background server after the identification number binding of the withdrawl deposit record information generated.
The system realizing withdrawing the money without card on ATM the most according to claim 1, it is characterised in that
Described Quick Response Code scan module is camera module.
The system realizing withdrawing the money without card on ATM the most according to claim 1, it is characterised in that
Described mobile terminal is smart mobile phone.
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| Application Number | Priority Date | Filing Date | Title |
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| CN201410166669.8A CN103942896B (en) | 2014-04-23 | 2014-04-23 | System for realizing cardless withdrawal on ATM |
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| CN201410166669.8A CN103942896B (en) | 2014-04-23 | 2014-04-23 | System for realizing cardless withdrawal on ATM |
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| CN103942896A CN103942896A (en) | 2014-07-23 |
| CN103942896B true CN103942896B (en) | 2017-01-04 |
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| 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 |
| CN105741102A (en) * | 2014-12-07 | 2016-07-06 | 联芯科技有限公司 | Cash withdrawal system and cash withdrawal method |
| CN104680361B (en) * | 2015-02-05 | 2018-05-15 | 王钧 | A kind of enchashment method and system based on third-party platform |
| CN104809827A (en) * | 2015-05-23 | 2015-07-29 | 张萍 | Cash depositing and withdrawing system based on Internet of things |
| US20170161729A1 (en) * | 2015-12-07 | 2017-06-08 | Leadot Innovation, Inc. | Method of Exchanging Currencies Using an Offline Point of Sale Third Party Payment System and Internet-connected Mobile Computing 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 |
| CN106991769A (en) * | 2017-05-22 | 2017-07-28 | 滁州学院 | A kind of withdrawal system based on Quick Response Code |
| CN107393213A (en) * | 2017-06-29 | 2017-11-24 | 台山市金讯互联网络科技有限公司 | A kind of method withdrawn the money without card |
| CN109448271A (en) * | 2018-09-03 | 2019-03-08 | 深圳壹账通智能科技有限公司 | A kind of no card withdrawal method, computer readable storage medium and server |
| CN111752462A (en) * | 2020-06-24 | 2020-10-09 | 捷普电子(新加坡)公司 | Target equipment control method, device and system, mobile terminal and storage medium |
| CN112767617A (en) * | 2021-01-13 | 2021-05-07 | 广东奔腾达电子有限公司 | Card-free automatic teller machine utilizing mobile terminal and identity card multiple identification |
| CN115050147A (en) * | 2022-05-07 | 2022-09-13 | 中国银行股份有限公司 | Service processing method, device and storage medium |
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| CN101807319A (en) * | 2010-03-03 | 2010-08-18 | 交通银行股份有限公司 | Authentication method and system based on ATM |
| CN103150837A (en) * | 2013-02-01 | 2013-06-12 | 深圳市怡化电脑有限公司 | System and method for achieving cardless withdrawal on automatic teller machine (ATM) |
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Application publication date: 20140723 Assignee: Hangzhou Charles Electronic Technology Co., Ltd. Assignor: Hangzhou Electronic Science and Technology Univ Contract record no.: 2018330000072 Denomination of invention: System for money withdrawing without card on ATM Granted publication date: 20170104 License type: Common License Record date: 20180613 |