CN103942897A - Method for money withdrawing without card on ATM - Google Patents

Method for money withdrawing without card on ATM Download PDF

Info

Publication number
CN103942897A
CN103942897A CN201410167217.1A CN201410167217A CN103942897A CN 103942897 A CN103942897 A CN 103942897A CN 201410167217 A CN201410167217 A CN 201410167217A CN 103942897 A CN103942897 A CN 103942897A
Authority
CN
China
Prior art keywords
atm
money
withdrawing
mobile terminal
background server
Prior art date
Legal status (The legal status is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the status listed.)
Granted
Application number
CN201410167217.1A
Other languages
Chinese (zh)
Other versions
CN103942897B (en
Inventor
邵李焕
吴建锋
Current Assignee (The listed assignees may be inaccurate. Google has not performed a legal analysis and makes no representation or warranty as to the accuracy of the list.)
Hangzhou Dianzi University
Hangzhou Electronic Science and Technology University
Original Assignee
Hangzhou Electronic Science and Technology University
Priority date (The priority date is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the date listed.)
Filing date
Publication date
Application filed by Hangzhou Electronic Science and Technology University filed Critical Hangzhou Electronic Science and Technology University
Priority to CN201410167217.1A priority Critical patent/CN103942897B/en
Publication of CN103942897A publication Critical patent/CN103942897A/en
Application granted granted Critical
Publication of CN103942897B publication Critical patent/CN103942897B/en
Active legal-status Critical Current
Anticipated expiration legal-status Critical

Links

Abstract

The invention provides a method for money withdrawing without a card on an ATM. A mobile terminal and the ATM with a two-dimension code recognition mode are adopted. The method includes the following steps that (A), the mobile terminal sends money withdrawing request information to a background server through a mobile internet; (B), according to the money withdrawing request information, the background server generates corresponding money withdrawing record information and sends the money withdrawing record information to the mobile terminal; (C), the mobile terminal generates a two-dimension code label according to the money withdrawing record information; (D), the ATM scans the two-dimension code label generated by the mobile terminal through the two-dimension code recognition mode, analyzes the two-dimension code label and sends analyzed two-dimension code label information and information of the ATM to the background server through a bank intranet; (E), after data processing, the background server sends a note outlet instruction to the ATM; (F), the ATM executes the note outlet operation after receiving the note outlet instruction. By the adoption of the technical scheme, cash withdrawing of various personal financing accounts on the ATM is achieved through the mobile terminal, and operation is convenient to carry out for a user.

Description

A kind of method of withdrawing the money without card that realizes in ATM
Technical field
The present invention relates to the bank ATM method of withdrawing the money, be specifically related to a kind of method of withdrawing the money without card that realizes by mobile terminal in ATM.
Background technology
At present, user withdraws the money by ATM, must first insert bank card, the operation of just withdrawing the money.But along with the fast development of network finance and mobile Internet, each big bank has all released the Internet bank and Mobile banking and finance product thereof, and third party's payment platform is widely used as the Alipay that Taobao releases, simultaneously as precious in remaining sum and logical grade of financing of emerging network way to manage money favored by user also deeply.Can predict, to more and more be stored in network individual account (the network finance product that remaining sum treasured, logical, the each big bank of financing release) at following user's money, and mobile-phone payment also will replace the payment of paying in cash and swipe the card gradually, therefore, in the near future, the frequency of utilization of bank card even can completely need not fewer and feweri.Under prior art means, user by mobile terminal transfer accounts remittance very convenient, adopt a kind of safe and reliable technical scheme by mobile terminal realize ATM without card enchashment will be next step developing direction.
For ensureing user account safety, existing ATM is all access bank in-house network, although allow ATM accessing Internet make to become simply without card enchashment, be taking sacrificing security as cost.And under existing ATM mode, user withdraws the money and first network individual account's money is proceeded to bank card, just can go ATM to withdraw the money, this has caused very big inconvenience to the user under the network finance epoch.
Therefore, for the above-mentioned defect existing in currently available technology, be necessary to study in fact, so that a kind of scheme to be provided, solve the defect existing in prior art.
Summary of the invention
In order to overcome the defect of above-mentioned prior art, the invention provides a kind of nothing that realizes by mobile terminal and block the method for withdrawing the money on ATM machine, thereby can realize the deposit on network individual account directly by ATM enchashment.
The problem existing for solving prior art, technical scheme of the present invention is:
In ATM, realize a method of withdrawing the money without card, adopt mobile terminal and the ATM with Quick Response Code identification module, comprise the following steps:
A. mobile terminal sends to background server the solicited message of withdrawing the money by mobile Internet;
B. background server generates corresponding withdrawl deposit record information according to the solicited message of withdrawing the money, and described withdrawl deposit record information is sent to mobile terminal;
C. described mobile terminal is according to described withdrawl deposit record Information generation two-dimension code label;
The two-dimension code label that D.ATM machine generates by Quick Response Code identification module scanning mobile terminal, and this two-dimension code label is resolved, crosses bank's in-house network by the two-dimension code label information after resolving and this ATM information exchange and sends to background server;
E. background server carries out after data processing, and sends note output instruction to corresponding ATM;
F.ATM machine is carried out note output operation after receiving note output instruction.
Preferably, in described step e, background server data handling procedure is, resolve the two-dimension code label information that ATM sends, and mate with the withdrawl deposit record information of initial generation, complete after authentication and financial accounting according to bank under matching result and ATM information and this ATM again, send note output instruction to this ATM.
Preferably, in step B, described withdrawl deposit record information generates by cryptographic algorithm according to encryption key.
Preferably, described encryption key is the random number of background server in generation, and this random number is corresponding with generated withdrawl deposit record information.
Preferably, the algorithm that in step C, the algorithm of mobile terminal generation two-dimension code label is resolved two-dimension code label with ATM in step D is corresponding.
Preferably, the information of withdrawing the money that background server sends according to described encryption key deciphering ATM, this decipherment algorithm is corresponding with the cryptographic algorithm that generates withdrawl deposit record information.
Preferably, described mobile terminal is smart mobile phone.
Preferably, described Quick Response Code scan module is camera module.
Compared with prior art, beneficial effect of the present invention is as follows: realize various management of personal money accounts directly enchashment in ATM by mobile terminal, and user-friendly.
Brief description of the drawings
Fig. 1 is the process flow diagram that the embodiment of the present invention realizes the method for withdrawing the money without card in ATM;
Fig. 2 is that the embodiment of the present invention realizes the theory diagram of realizing the system of the method for withdrawing the money without card in ATM.
Embodiment
In order to make object 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 contain any defined by claim in marrow of the present invention and scope, make substitute, amendment, equivalent method and scheme.Further, for the public is had a better understanding to the present invention, in below details of the present invention being described, detailed some specific detail sections of having described.Do not have for a person skilled in the art the description of these detail sections can understand the present invention completely yet.
Referring to Fig. 1, be depicted as the embodiment of the present invention and in ATM, realize without the process flow diagram that blocks the method for withdrawing the money, comprise the steps: in step S1, mobile terminal sends to background server the solicited message of withdrawing the money by mobile Internet; In step S2, background server generates corresponding withdrawl deposit record information according to the solicited message of withdrawing the money, and withdrawl deposit record information is sent to mobile terminal; In step S3, the withdrawl deposit record Information generation two-dimension code label that the client software on mobile terminal sends according to background server; In step S4, 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 S5, background server carries out data processing; In step S6, background server sends note output instruction to corresponding ATM; In step S7, ATM is carried out note output operation after receiving note output instruction.
The ATM of the embodiment of the present invention communicates by bank's Intranet and background server, the mobile terminal of the embodiment of the present invention be can running client software smart mobile phone, communicate by mobile Internet and background server.Background server cuts off outer net and directly accesses bank's in-house network, thereby has ensured the security of ATM.
The ATM of the embodiment of the present invention comprises Quick Response Code scan module, can scan and resolve the withdrawl deposit record information that mobile terminal generates.
In step S1, running of mobile terminal personal account client is also logined personal account, and personal account is management of personal money storage account, has unique identifying number; Personal account client can be Mobile banking of each big bank, third party's payment platform or network financing account; Personal account client possesses user's login, account management, two-dimension code label generation, the functions such as request transmission of withdrawing the money.The request function of withdrawing the money refers to background server and sends the solicited message of withdrawing the money; Two-dimension code label systematic function refers to the withdrawl deposit record Information generation two-dimension code label sending according to background server.
The solicited message of withdrawing the money at least comprises the withdraw the money amount of money and the real-time time of personal account identification number, user's input; Real-time time is for the operation moment of recording user.Use mobile terminal while withdrawing the money, user first inputs account number cipher login personal account client software, sends the solicited message of withdrawing the money to background server after inputting the suitable amount of money.
Withdrawl deposit record information at least comprises withdraw the money solicited message and identification number;
In order to ensure customer transaction safety, a kind of preferred implementation of the present invention, withdrawl deposit record information is that background server generates by cryptographic algorithm 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 in the time generating withdrawl deposit record information, and this random number is stored in background server after binding with the identification number of the withdrawl deposit record information generating, and encryption key is random generation, and anyone cannot obtain.Accordingly, when background server is received the information of withdrawing the money of ATM transmission, determine corresponding encryption key according to the identification number of this withdrawl deposit record information, the two-dimension code label information after decipherment algorithm obtains deciphering, the cryptographic algorithm of background server is corresponding with decipherment algorithm.Adopt after the method, the solicited message of withdrawing the money of the same content that same mobile terminal sends, the withdrawl deposit record information that background server generates is different, because its encryption key difference, and encryption key is random generation, only be stored in server, anyone cannot obtain, thereby has ensured the security of transaction.
Every ATM has unique identifying number, and ATM information at least comprises ATM identification number; ATM can scan and resolve the two-dimension code label that mobile terminal generates, and the algorithm that generates two-dimension code label in mobile terminal is corresponding with the algorithm of resolving two-dimension code label in ATM.The information of withdrawing the money and ATM information after resolving are sent to background server by ATM, background server data handling procedure is, whether the withdrawl deposit record information that judges original generation is consistent with the two-dimension code label information after deciphering, if consistent, determine bank under this ATM according to ATM information again, complete after authentication and financial accounting with bank under this ATM, determine whether to ratify the request of withdrawing the money, if approval sends note output instruction to this ATM.ATM receives after note output instruction, carries out note output operation, and sends out the paper money operation signal that runs succeeded to background server; Accordingly, background server sends and withdraws the money into function signal to mobile terminal.
Referring to Fig. 2, be depicted as and realize the embodiment of the present invention and in ATM, realize the system principle diagram without the card method of withdrawing the money, comprise mobile terminal, background server and there is Quick Response Code identification module ATM cash dispenser, wherein,
Mobile terminal is connected with background server by mobile Internet, sends the withdrawl deposit record Information generation two-dimension code label of withdrawing the money of withdrawing the money solicited message and sending according to background server to background server;
ATM cash dispenser comprises Quick Response Code scan module and Quick Response Code parsing module, can 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 mobile terminal receive and ATM cash dispenser send over, carries out information processing, and sends note output instruction according to information processing result to ATM cash dispenser.
Mobile terminal is smart mobile phone or the panel computer with access mobile Internet function;
Quick Response Code scan module is common camera module.
The present invention, in the situation that ensureing transaction security, withdraws the money without bank card on ATM realizes, and has facilitated client.
The foregoing is only preferred embodiment of the present invention, not in order to limit the present invention, all any amendments of doing within the spirit and principles in the present invention, be equal to and replace and improvement etc., within all should being included in protection scope of the present invention.

Claims (8)

1. in ATM, realize a method of withdrawing the money without card, it is characterized in that, adopt mobile terminal and the ATM with Quick Response Code identification module, comprise the following steps:
A. mobile terminal sends to background server the solicited message of withdrawing the money by mobile Internet;
B. background server generates corresponding withdrawl deposit record information according to the solicited message of withdrawing the money, and described withdrawl deposit record information is sent to mobile terminal;
C. described mobile terminal is according to described withdrawl deposit record Information generation two-dimension code label;
The two-dimension code label that D.ATM machine generates by Quick Response Code identification module scanning mobile terminal, and this two-dimension code label is resolved, crosses bank's in-house network by the two-dimension code label information after resolving and this ATM information exchange and sends to background server;
E. background server carries out after data processing, and sends note output instruction to corresponding ATM;
F.ATM machine is carried out note output operation after receiving note output instruction.
2. the method for withdrawing the money without card that realizes in ATM according to claim 1, it is characterized in that, in described step e, background server data handling procedure is, resolve the two-dimension code label information that ATM sends, and mate with the withdrawl deposit record information of initial generation, then complete after authentication and financial accounting according to bank under matching result and ATM information and this ATM, send note output instruction to this ATM.
3. the method for withdrawing the money without card that realizes in ATM according to claim 1, is characterized in that, in step B, described withdrawl deposit record information generates by cryptographic algorithm according to encryption key.
4. the method for withdrawing the money without card that realizes in ATM according to claim 3, is characterized in that, described encryption key is the random number of background server in generation, and this random number is corresponding with generated withdrawl deposit record information.
5. block the method for withdrawing the money according to the nothing that realizes described in claim 1 or 3 in ATM, it is characterized in that, the algorithm that in step C, the algorithm of mobile terminal generation two-dimension code label is resolved two-dimension code label with ATM in step D is corresponding.
6. the method for withdrawing the money without card that realizes in ATM according to claim 3, is characterized in that, the information of withdrawing the money that background server sends according to described encryption key deciphering ATM, and this decipherment algorithm is corresponding with the cryptographic algorithm that generates withdrawl deposit record information.
7. the method for withdrawing the money without card that realizes in ATM according to claim 1, is characterized in that, described mobile terminal is smart mobile phone.
8. the method for withdrawing the money without card that realizes in ATM according to claim 1, is characterized in that, described Quick Response Code scan module is camera module.
CN201410167217.1A 2014-04-23 2014-04-23 A kind of method realizing withdrawing the money without card on ATM Active CN103942897B (en)

Priority Applications (1)

Application Number Priority Date Filing Date Title
CN201410167217.1A CN103942897B (en) 2014-04-23 2014-04-23 A kind of method realizing withdrawing the money without card on ATM

Applications Claiming Priority (1)

Application Number Priority Date Filing Date Title
CN201410167217.1A CN103942897B (en) 2014-04-23 2014-04-23 A kind of method realizing withdrawing the money without card on ATM

Publications (2)

Publication Number Publication Date
CN103942897A true CN103942897A (en) 2014-07-23
CN103942897B CN103942897B (en) 2016-11-09

Family

ID=51190545

Family Applications (1)

Application Number Title Priority Date Filing Date
CN201410167217.1A Active CN103942897B (en) 2014-04-23 2014-04-23 A kind of method realizing withdrawing the money without card on ATM

Country Status (1)

Country Link
CN (1) CN103942897B (en)

Cited By (9)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
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
CN105354787A (en) * 2015-11-08 2016-02-24 侯岗 Communication real-name system based communication money management system
WO2017000524A1 (en) * 2015-06-29 2017-01-05 百度在线网络技术(北京)有限公司 Card-free withdrawal method and apparatus
CN106452773A (en) * 2015-08-06 2017-02-22 阿里巴巴集团控股有限公司 Data object interaction method and data object interaction equipment
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
CN107451809A (en) * 2017-06-29 2017-12-08 台山市金讯互联网络科技有限公司 A kind of method withdrawn the money without card
TWI696136B (en) * 2018-03-31 2020-06-11 華南商業銀行股份有限公司 System and method for executing transaction based on a mobile communication device
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
TWI748415B (en) * 2018-03-31 2021-12-01 華南商業銀行股份有限公司 System and method for executing transaction based on a mobile communication device

Citations (8)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
CN1804906A (en) * 2006-01-05 2006-07-19 福建新大陆电脑股份有限公司 Method of application of two-dimensional code and mobile telephone in credit card-based payment system
CN101377875A (en) * 2007-08-30 2009-03-04 北京方维银通科技有限公司 Automatic counter machine and payment method thereof
CN101515387A (en) * 2008-12-31 2009-08-26 候万春 System and method for realizing non-contact payment based on payment bridge
CN102449651A (en) * 2011-01-21 2012-05-09 深圳市年年卡网络科技有限公司 Short-distance payment system and payment procedure based on graphs
KR20120107900A (en) * 2012-08-17 2012-10-04 주식회사 하이드 The methods of electronic payment by representative affiliatewith with cross payment platform and escrow function in fixed or non-fixed amount
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)
CN103632436A (en) * 2012-08-27 2014-03-12 上海博路信息技术有限公司 Withdrawal method based on terminal
CN203535725U (en) * 2013-10-21 2014-04-09 深圳怡化电脑股份有限公司 Automatic teller machine with two-dimension scanning device and system

Patent Citations (8)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
CN1804906A (en) * 2006-01-05 2006-07-19 福建新大陆电脑股份有限公司 Method of application of two-dimensional code and mobile telephone in credit card-based payment system
CN101377875A (en) * 2007-08-30 2009-03-04 北京方维银通科技有限公司 Automatic counter machine and payment method thereof
CN101515387A (en) * 2008-12-31 2009-08-26 候万春 System and method for realizing non-contact payment based on payment bridge
CN102449651A (en) * 2011-01-21 2012-05-09 深圳市年年卡网络科技有限公司 Short-distance payment system and payment procedure based on graphs
KR20120107900A (en) * 2012-08-17 2012-10-04 주식회사 하이드 The methods of electronic payment by representative affiliatewith with cross payment platform and escrow function in fixed or non-fixed amount
CN103632436A (en) * 2012-08-27 2014-03-12 上海博路信息技术有限公司 Withdrawal method based on terminal
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)
CN203535725U (en) * 2013-10-21 2014-04-09 深圳怡化电脑股份有限公司 Automatic teller machine with two-dimension scanning device and system

Cited By (9)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
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
WO2017000524A1 (en) * 2015-06-29 2017-01-05 百度在线网络技术(北京)有限公司 Card-free withdrawal method and apparatus
CN106452773A (en) * 2015-08-06 2017-02-22 阿里巴巴集团控股有限公司 Data object interaction method and data object interaction equipment
CN105354787A (en) * 2015-11-08 2016-02-24 侯岗 Communication real-name system based communication money management system
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
CN107451809A (en) * 2017-06-29 2017-12-08 台山市金讯互联网络科技有限公司 A kind of method withdrawn the money without card
TWI696136B (en) * 2018-03-31 2020-06-11 華南商業銀行股份有限公司 System and method for executing transaction based on a mobile communication device
TWI748415B (en) * 2018-03-31 2021-12-01 華南商業銀行股份有限公司 System and method for executing transaction based on a mobile communication device
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

Also Published As

Publication number Publication date
CN103942897B (en) 2016-11-09

Similar Documents

Publication Publication Date Title
US9864987B2 (en) Account provisioning authentication
CN103942897B (en) A kind of method realizing withdrawing the money without card on ATM
RU2648944C2 (en) Methods, devices, and systems for secure provisioning, transmission and authentication of payment data
KR102103377B1 (en) Method and system for secure transmission of remote notification service messages to mobile devices without secure elements
KR101809221B1 (en) Method and system for secure authentication of user and mobile device without secure elements
EP2953076A1 (en) System and method for executing financial transactions
CN103942896B (en) A kind of system realizing withdrawing the money without card on ATM
US20110103586A1 (en) System, Method and Device To Authenticate Relationships By Electronic Means
CN104599408B (en) Third party's account ATM withdrawal method and system based on dynamic two-dimension code
CN104838399A (en) Authenticating remote transactions using mobile device
CN103778728A (en) Method and system for realizing transaction without bank card through automatic teller machine
CN104919779A (en) Method for authenticating a user with respect to a machine
CN103903131A (en) Method and system for achieving electronic transaction based on graphic code
CN104038924B (en) Realize the method and system of Resource Exchange information processing
US10223690B2 (en) Alternative account identifier
CN104933565A (en) IC card transaction method and IC card transaction system
WO2012072022A1 (en) Remote payment method
EP2854087A1 (en) Method for processing a payment
US11069016B2 (en) National digital identity
CN106251145A (en) Electronic fare payment system, electronic payment devices and electric paying method
KR102073563B1 (en) Financial transaction method and system using financial automation device based on qr code
CN106355496A (en) Method, system and device for realizing batch electronic transactions as well as electronic signature tool
CN110290134A (en) A kind of identity identifying method, device, storage medium and processor
JP5981507B2 (en) How to process payments
US20180108004A1 (en) Method, Apparatus And System For Processing Data

Legal Events

Date Code Title Description
C06 Publication
PB01 Publication
C10 Entry into substantive examination
SE01 Entry into force of request for substantive examination
C14 Grant of patent or utility model
GR01 Patent grant
EE01 Entry into force of recordation of patent licensing contract
EE01 Entry into force of recordation of patent licensing contract

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: Method for money withdrawing without card on ATM

Granted publication date: 20161109

License type: Common License

Record date: 20180613