CN104361677A - Non-contact money withdrawing method and self-service equipment - Google Patents
Non-contact money withdrawing method and self-service equipment Download PDFInfo
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- CN104361677A CN104361677A CN201410641822.8A CN201410641822A CN104361677A CN 104361677 A CN104361677 A CN 104361677A CN 201410641822 A CN201410641822 A CN 201410641822A CN 104361677 A CN104361677 A CN 104361677A
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Abstract
The embodiment of the invention discloses a non-contact money withdrawing method and self-service equipment. The method includes the steps that the self-service equipment reminds a user to input the money withdrawing amount; when the money withdrawing amount input by the user is received, the self-service equipment reminds the user to store NFC trade media within the field intensity range for the first time, an NFC card reader is used for executing a first instruction and a second instruction, the first instruction is used for selecting a card number to conduct a non-contact money withdrawing transaction, and the second instruction is used for acquiring an ARQC; the self-service equipment reminds the user to input a password, the card number and the password are used for generating pinblock, and the ARQC and the pinblock are transmitted to a background to initiate the money withdrawing transaction; after the transaction is successfully returned, the self-service equipment puts paper money into a paper money outlet; the self-service equipment reminds the user to store the NFC trade media within the field intensity range of the NFC card reader for the second time, and the NFC card reader is used for acquiring a card number for conducting the non-contact money withdrawing transaction at this time in the NFC trade media; when it is verified that the card numbers acquired twice are the same, paper money can be discharged.
Description
Technical field
The present invention relates to communication technical field, more particularly, relate to and non-ly access money method and Possum.
Background technology
Possum is a kind of self-service equipment being combined with multiple different financial business function, the financial service such as the function that Possum can be utilized to provide completes inquiry, withdraw the money.For Possum, its transaction accepting most high frequency is exactly transaction of withdrawing the money.
Traditional contactless transaction of withdrawing the money accepts, and adopts the transaction flow of non-contacting interface and Contact Type Ic Card.In the process of transaction, transaction medium (card or Mobile payment terminal) need remain in card reader field strength range always, and inconvenient user uses.
And along with the fast development of mobile payment, increasing Mobile payment terminal supports NFC (NearField Communication, near-field communication) function, NFC Mobile payment terminal adopts safe unit (SE, Secure Element) to be responsible for the safety guaranteeing to pay.In addition, also SE can be adopted in chip bank card.The chip bank card and NFC Mobile payment terminal of supporting contactless communication (comprising SE) can be called NFC transaction medium.
On Possum, how utilizing NFC to conclude the business quickly and easily, media implementation is non-accesses the hot topic that money becomes research.
Summary of the invention
In view of this, the object of the embodiment of the present invention is that providing non-accesses money method and Possum, to realize quickly and easily non-ly accessing money.
For achieving the above object, the embodiment of the present invention provides following technical scheme:
According to the first aspect of the embodiment of the present invention, provide a kind of and non-ly access money method, be applied to Possum and near-field communication NFC concludes the business between medium, described Possum is provided with NFC card reader; Described method comprises:
Receive user input non-access money instruction after, Possum prompting user input withdraw funds;
Receiving the withdraw funds of user's input, described Possum first time prompting user medium of being concluded the business by NFC is put in the field strength range of described NFC card reader;
When described NFC transaction medium first time is in the field strength range of described NFC card reader, described Possum performs the first order and the second order by NFC card reader, described first order is at least concluded the business for selecting the card number stored in described NFC transaction medium to carry out the non-money that accesses, the authorization requests ciphertext ARQC that described second order generates for obtaining described NFC transaction medium;
Described Possum prompting user inputs password;
After the password receiving user's input, described Possum uses described card number and password to generate Crypted password pinblock;
User confirm this non-access the relevant information of money transaction after, ARQC and pinblock is sent to backstage initiation and withdraws the money transaction by described Possum;
After Transaction Success returns, banknote is put into cash dispensing port by described Possum;
Described Possum second time prompting user medium of being concluded the business by NFC is put in the field strength range of described NFC card reader;
When described NFC transaction medium second time is in the field strength range of described NFC card reader, described Possum is obtained in described NFC transaction medium by NFC card reader and carries out this non-card number accessing money transaction;
When the card number verifying that second time gets is same card number with the card number got for the first time, described Possum carries out note output operation.
In conjunction with first aspect, in the implementation that the first is possible, the step that described NFC card reader performs the first order and the second order performs in the process of qPBOC treatment scheme.
In conjunction with the first possible implementation of first aspect, in the implementation that the second is possible, described first order is SELECT order; Described second order is GPO order.
In conjunction with the implementation that first aspect the second is possible, in the implementation that the third is possible, described Possum is also provided with code keypad, described Possum generates described pinblock by described code keypad.
According to the second aspect of the embodiment of the present invention, provide a kind of Possum, comprise NFC card reader and processor, wherein:
Described processor is used for:
Receive user input non-access money instruction after, prompting user input withdraw funds; Receiving the withdraw funds of user's input, first time prompting user medium of being concluded the business by NFC is put in the field strength range of described NFC card reader; When described NFC transaction medium first time is in the field strength range of described NFC card reader, described NFC card reader is indicated to perform the first order and the second order, described first order is at least concluded the business for selecting the card number stored in described NFC transaction medium to carry out the non-money that accesses, the authorization requests ciphertext ARQC that described second order generates for obtaining described NFC transaction medium; Prompting user inputs password; After the password receiving user's input, described card number and password is used to generate Crypted password pinblock; User confirm this non-access the relevant information of money transaction after, ARQC and pinblock is sent to backstage initiation and withdraws the money transaction; After Transaction Success returns, banknote is put into cash dispensing port, and NFC concludes the business by second time prompting user, medium is put in the field strength range of described NFC card reader; When described NFC transaction medium second time is in the field strength range of described NFC card reader, instruction NFC card reader obtains in described NFC transaction medium carries out this non-card number accessing money transaction; When the card number verifying that second time gets is same card number with the card number got for the first time, carry out note output operation.
In conjunction with second aspect, in the implementation that the first is possible, described execution first is ordered and the step of the second order performs in the process of qPBOC treatment scheme.
In conjunction with the first possible implementation of second aspect, in the implementation that the second is possible, described first order is SELECT order; Described second order is GPO order.
Visible, in embodiments of the present invention, NFC transaction medium is put in for twice in the field strength range of described NFC card reader, first time NFC card reader and NFC to conclude the business between medium mutual two and order, second time NFC card reader obtains in described NFC transaction medium carries out this non-card number accessing money transaction, because this twice needs a small amount of order and data interaction, therefore, the time frame that NFC concludes the business in media processes field strength range can at Millisecond, do not need to access money mode as tradition is non-, transaction medium need be made need to remain in card reader field strength range always, thus achieve and non-ly quickly and easily access money.
Accompanying drawing explanation
In order to be illustrated more clearly in the embodiment of the present invention or technical scheme of the prior art, be briefly described to the accompanying drawing used required in embodiment or description of the prior art below, apparently, accompanying drawing in the following describes is only some embodiments of the present invention, for those of ordinary skill in the art, under the prerequisite not paying creative work, other accompanying drawing can also be obtained according to these accompanying drawings.
What Fig. 1 provided for the embodiment of the present invention non-ly accesses money method flow diagram;
The Possum topology example figure that Fig. 2 provides for the embodiment of the present invention.
Embodiment
For making the object of the embodiment of the present invention, technical scheme and advantage clearly, below in conjunction with the accompanying drawing in the embodiment of the present invention, technical scheme in the embodiment of the present invention is clearly and completely described, obviously, described embodiment is only the present invention's part embodiment, instead of whole embodiments.Based on the embodiment in the present invention, those of ordinary skill in the art, not making the every other embodiment obtained under creative work prerequisite, belong to the scope of protection of the invention.
Possum is a kind of self-service equipment being combined with multiple different financial business function, the financial service such as the function that Possum can be utilized to provide completes inquiry, withdraw the money.For Possum, the transaction of its most high frequency accepted is exactly transaction of withdrawing the money.
Traditional contactless transaction of withdrawing the money accepts, and adopts the transaction flow of non-contacting interface and Contact Type Ic Card.In the process of transaction, transaction medium (card or Mobile payment terminal) need remain in card reader field strength range always, and inconvenient user uses.And bring following problem:
● the safety problem of transaction medium
Non-contact Media Reader is when accepting transaction medium, and transaction medium need be positioned over and accepts on pallet, instead of sucks in card reader, easily stolenly robs.
● the stability problem of transaction
Being positioned over the non-transaction medium accepted on reason pallet cannot fixed position, and due to mobile terminal be also communication tool simultaneously, process of exchange is easily disturbed, and transaction stability declines.
● customer experience problem
In process of exchange, transaction medium can not move.If transaction medium is Mobile payment terminal, in process of exchange, client cannot use other function of mobile phone, have impact on customer experience.
Along with the fast development of mobile payment, increasing Mobile payment terminal supports NFC (Near FieldCommunication, near-field communication) function, NFC Mobile payment terminal adopts safe unit (SE, SecureElement) to be responsible for the safety guaranteeing to pay.SE can be solidificated in NFC chip, also may reside in SIM card or the such detachable integrated chip of SD card.In addition, also SE can be adopted in chip bank card.
The medium the carrying out comprising SE can concluded the business, such as chip bank card, NFC Mobile payment terminal etc. are referred to as NFC transaction medium.On Possum, how utilizing NFC to conclude the business quickly and easily, media implementation is non-accesses the hot topic that money becomes research.
Embodiments provide and non-ly access money method.The method is applied to Possum and NFC concludes the business between medium, and Possum needs install NFC card reader.
For ease of understanding, the present embodiment is first cut from the conclude the business mutual angle of medium of Possum and NFC, is introduced the above-mentioned non-money method that accesses.
The present embodiment provide non-to access money interaction flow as follows:
Step 101, on Possum, provide " non-access money " function, user does not need card or Mobile payment terminal just can entered function.
More specifically, the touch-screen of Possum can show " non-access money " option, user can click this option, non-ly accesses money process of exchange to enter.User clicks, and also can be considered to have assigned non-ly to access money instruction.
Step 102, Possum require that user inputs withdraw funds, and prompting user shows the induction region of NFC transaction medium close to NFC card reader.
Support that the Possum of contactless transaction has induction region, can clearly identify out on Possum.
Step 103, Possum and NFC conclude the business qPBOC (the quick debit/credit contactless payment is applied) treatment scheme of operative norm between medium, obtain and carry out this non-card number accessing money exchange and use, and obtain ARQC (Authorization Request Cryptogram, authorization requests ciphertext).
QPBOC has following two features:
■ is compressed into the least possible order many orders, to reduce the time of transaction;
The reciprocal process of card and terminal has been concentrated by ■, after card leaves the communication context of card reader, terminal carries out offline data certification, terminal risk management and terminal behavior analysis again, and allow card leave Card Reader induction range before or after carry out Password Operations, the time that card is stopped at card reader induction range is short as far as possible.
More specifically, Possum performs the first order and the second order by NFC card reader, wherein, the first order at least for select NFC to conclude the business to store in medium, carry out this non-card number accessing money and conclude the business; The ARQC that second order generates for obtaining NFC transaction medium.
Further, the first order is SELECT order; Second order is GPO (Get ProcessingOptions) order.
In fact, the PPSE (closely payment system environment) that NFC concludes the business in medium is read in available SELECT order.
Can support in SIM, NFC SIM that a card is applied more, that is, multiple financial IC cards of multiple bank can be stored.The content of the PPSE of a bank account is determined by credit card issuer, and the PPSE content of multiple bank account is determined by multiple credit card issuer.Multiple PPSE will be there is in a NFC SIM card.The PPSE of concrete bank account (card number) so can be selected with SELECT order.
Be no matter non-ly access money or contact is withdrawn the money, all need ARQC.How ARQC generates can adopt existing generating mode, and therefore not to repeat here.
When NFC transaction medium first time is in the field strength range of NFC card reader, NFC card reader and NFC conclude the business and only need to perform above-mentioned two in qPBOC treatment scheme that medium performs and order, time frame is at Millisecond, so NFC concludes the business, medium only needs of short duration being put in field strength range.
When NFC transaction medium is put in field strength range, the sound that Possum can send " dripping ".This indicates that step S103 completes.
Step 104, Possum preserve ARQC and card number, and point out user to input password.
After step 105, user input password, Possum uses card number Crypted password, generates Crypted password (pinblock).
In fact, Possum also installs code keypad, generate pinblock by code keypad.
How to generate pinblock and can adopt existing generating mode, therefore not to repeat here.
This non-relevant information accessing money of step 106, Possum prompting user, after user confirms, is uploaded to backstage and initiates transaction by ARQC and pinblock.
More specifically, the touch-screen of Possum can show this non-card number, user name, withdraw funds etc. accessing money exchange and use of user.User confirm errorless after, " confirmation " button can be clicked.
Afterwards, ARQC and pinblock is uploaded to backstage by Possum.
How backstage carries out transaction according to ARQC and pinblock is existing mode, and therefore not to repeat here.
After step 107, Transaction Success return (also namely backstage successfully accepts transaction), Possum prepares note output, banknote is put into cash dispensing port, but cash dispensing port lock is not opened.
After backstage successfully accepts the business of withdrawing the money, Possum transaction successful message can be returned.After receiving transaction successful message, Possum prepares note output.Namely, banknote is put into cash dispensing port, but cash dispensing port lock is not opened yet.
Step 108, Possum prompting user shows the induction region of NFC transaction medium close to NFC card reader again.Be this time carry out this non-card number accessing money transaction to again read, when verifying the card number that second time gets and the card number that first time gets is same card number, cash dispensing port lock is opened, and carries out note output operation.
When NFC transaction medium is put in field strength range, the sound that Possum can send " dripping ", this indicates that obtaining this non-card number accessing money transaction completes.
Step 109, closing the transaction.
Based on above-mentioned interaction flow, from Possum angle, then refer to Fig. 1, the non-money method that accesses performed by it can comprise the steps:
S1, receive user input non-access money instruction after, Possum prompting user input withdraw funds.
S2, after the withdraw funds receiving user's input, Possum first time prompting user medium of being concluded the business by NFC is put in the field strength range of above-mentioned NFC card reader.
S3, above-mentioned NFC conclude the business medium first time be in the field strength range of above-mentioned NFC card reader time, Possum performs the first order and second by NFC card reader and orders.
Above-mentioned first order is at least for selecting this non-card number accessing money transaction of carrying out stored in above-mentioned NFC transaction medium, the ARQC that above-mentioned second order generates for obtaining above-mentioned NFC transaction medium.
More specifically, the first order is SELECT order; Second order is GPO order.
Detail refers to foregoing description herein, and therefore not to repeat here.
S4, Possum prompting user inputs password.
S5, after the password receiving user's input, Possum uses above-mentioned card number and password to generate Crypted password pinblock;
More specifically, Possum generates above-mentioned pinblock by code keypad.
S6, user confirm this non-access the relevant information of money transaction after, ARQC and pinblock is sent to backstage initiation and withdraws the money transaction by above-mentioned Possum;
S7, after Transaction Success returns, banknote is put into cash dispensing port by Possum;
S8, Possum second time prompting user medium of being concluded the business by NFC is put in the field strength range of above-mentioned NFC card reader;
S9, above-mentioned NFC conclude the business medium second time be in the field strength range of above-mentioned NFC card reader time, Possum obtains NFC by NFC card reader and concludes the business in medium and carry out this non-card number accessing money transaction;
S10, when verifying card number that the card number that gets of second time and first time get and being same card number, Possum carries out note output operation.
More specifically, NFC card reader performs the step of the first order and the second order is perform in the process of qPBOC treatment scheme.
Visible, in embodiments of the present invention, NFC transaction medium is put in for twice in the field strength range of described NFC card reader, first time NFC card reader and NFC to conclude the business between medium mutual two and order, second time NFC card reader obtains in described NFC transaction medium carries out this non-card number accessing money transaction, because this twice needs a small amount of data interaction, therefore, the time frame that NFC concludes the business in media processes field strength range can at Millisecond, do not need to access money mode as tradition is non-, transaction medium need remain in card reader field strength range always, achieve and non-ly quickly and easily access money.
What provide due to the embodiment of the present invention non-ly accesses money method, only need user twice medium of being concluded the business by NFC to be put in the field strength range of NFC card reader, and the time is very of short duration, robs so not easily stolen.
, to conclude the business medium because user shows NFC, especially showing NFC Mobile payment terminal, to carry out the non-time accessing money very short, so disturbed probability also declines greatly, improves transaction stability meanwhile.In addition, just owing to showing NFC Mobile payment terminal, to carry out the non-time accessing money very short, and client also can use other functions of Mobile payment terminal in process of exchange, improves customer experience.
Corresponding with it, the embodiment of the present invention is claimed Possum also.
Possum specifically can be self-help drawing money machine, self-service automatic teller machine etc.
Refer to Fig. 2, above-mentioned Possum can comprise NFC card reader 1 and processor 2, wherein:
Processor 2 for:
Receive user input non-access money instruction after, prompting user input withdraw funds; After the withdraw funds receiving user's input, first time prompting user medium 3 of being concluded the business by NFC is put in the field strength range of above-mentioned NFC card reader 1; When above-mentioned NFC transaction medium 3 first time is in the field strength range of above-mentioned NFC card reader 1, above-mentioned NFC card reader 1 is indicated to perform the first order and the second order, above-mentioned first order at least for select above-mentioned NFC to conclude the business to store in medium 3, carry out this non-card number accessing money transaction, above-mentioned second order to be concluded the business the authorization requests ciphertext ARQC that medium 3 generates by above-mentioned NFC for obtaining; Prompting user inputs password; After the password receiving user's input, above-mentioned card number and password is used to generate Crypted password pinblock; User confirm this non-access money transaction relevant information after, ARQC and pinblock is sent to backstage initiate conclude the business; After Transaction Success returns, banknote is put into cash dispensing port, and NFC concludes the business by second time prompting user, medium 3 is put in the field strength range of above-mentioned NFC card reader 1; When above-mentioned NFC transaction medium 3 second time is in the field strength range of above-mentioned NFC card reader 1, instruction NFC card reader 1 obtains in above-mentioned NFC transaction medium 3 carries out this non-card number accessing money transaction; When the card number verifying that second time gets is same card number with the card number got for the first time, carry out note output operation.
More specifically, the step of above-mentioned execution first order and the second order performs in the process of qPBOC treatment scheme.
Above-mentioned first order is SELECT order; Above-mentioned second order is GPO order.
Refer to foregoing description herein, therefore not to repeat here.
In other embodiments of the present invention, above-mentioned Possum also can comprise code keypad.Processor is also used to indicate code keypad and generates above-mentioned pinblock.
In this instructions, each embodiment adopts the mode of going forward one by one to describe, and what each embodiment stressed is the difference with other embodiments, between each embodiment identical similar portion mutually see.
The software module that the method described in conjunction with embodiment disclosed herein or the step of algorithm can directly use hardware, processor to perform, or the combination of the two is implemented.Software module can be placed in the storage medium of other form any known in random access memory (RAM), internal memory, ROM (read-only memory) (ROM), electrically programmable ROM, electrically erasable ROM, register, hard disk, moveable magnetic disc, CD-ROM or technical field.
To the above-mentioned explanation of the disclosed embodiments, professional and technical personnel in the field are realized or uses the present invention.To be apparent for those skilled in the art to the multiple amendment of these embodiments, General Principle as defined herein can without departing from the spirit or scope of the present invention, realize in other embodiments.Therefore, the present invention can not be restricted to these embodiments shown in this article, but will meet the widest scope consistent with principle disclosed herein and features of novelty.
Claims (7)
1. non-ly access a money method, it is characterized in that, be applied to Possum and near-field communication NFC concludes the business between medium, described Possum is provided with NFC card reader; Described method comprises:
Receive user input non-access money instruction after, Possum prompting user input withdraw funds;
After the withdraw funds receiving user's input, described Possum first time prompting user medium of being concluded the business by NFC is put in the field strength range of described NFC card reader;
When described NFC transaction medium first time is in the field strength range of described NFC card reader, described Possum performs the first order and the second order by NFC card reader, described first order at least for select described NFC to conclude the business to store in medium, carry out this non-card number accessing money transaction, described second order to be concluded the business the authorization requests ciphertext ARQC that medium generates by described NFC for obtaining;
Described Possum prompting user inputs password;
After the password receiving user's input, described Possum uses described card number and password to generate Crypted password pinblock;
User confirm this non-access the relevant information of money transaction after, described ARQC and pinblock is sent to backstage initiation and withdraws the money transaction by described Possum;
After Transaction Success returns, banknote is put into cash dispensing port by described Possum;
Described Possum second time prompting user medium of being concluded the business by NFC is put in the field strength range of described NFC card reader;
When described NFC transaction medium second time is in the field strength range of described NFC card reader, described Possum is obtained in described NFC transaction medium by NFC card reader and carries out this non-card number accessing money transaction;
When verifying the card number got for the second time and the card number got for the first time is same card number, described Possum carries out note output operation.
2. the method for claim 1, is characterized in that, the step that described NFC card reader performs the first order and the second order performs in the process of qPBOC treatment scheme.
3. method as claimed in claim 2, is characterized in that, described first order is SELECT order; Described second order is GPO order.
4. method as claimed in claim 3, it is characterized in that, described Possum is also provided with code keypad, and described Possum generates described pinblock by described code keypad.
5. a Possum, is characterized in that, comprises NFC card reader and processor, wherein:
Described processor is used for:
Receive user input non-access money instruction after, prompting user input withdraw funds; After the withdraw funds receiving user's input, first time prompting user medium of being concluded the business by NFC is put in the field strength range of described NFC card reader; When described NFC transaction medium first time is in the field strength range of described NFC card reader, described NFC card reader is indicated to perform the first order and the second order, described first order at least for select described NFC to conclude the business to store in medium, carry out this non-card number accessing money transaction, described second order to be concluded the business the authorization requests ciphertext ARQC that medium generates by described NFC for obtaining; Prompting user inputs password; After the password receiving user's input, described card number and password is used to generate Crypted password pinblock; User confirm this non-access the relevant information of money transaction after, described ARQC and pinblock is sent to backstage initiation and withdraws the money transaction; After Transaction Success returns, banknote is put into cash dispensing port, and NFC concludes the business by second time prompting user, medium is put in the field strength range of described NFC card reader; When described NFC transaction medium second time is in the field strength range of described NFC card reader, instruction NFC card reader obtains in described NFC transaction medium carries out this non-card number accessing money transaction; When verifying the card number got for the second time and the card number got for the first time is same card number, carry out note output operation.
6. Possum as claimed in claim 5, is characterized in that, described execution first is ordered and the step of the second order performs in the process of qPBOC treatment scheme.
7. Possum as claimed in claim 6, is characterized in that, described first order is SELECT order; Described second order is GPO order.
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| CN201410641822.8A CN104361677B (en) | 2014-11-07 | 2014-11-07 | It is non-to access money method and self-service device |
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| CN201410641822.8A CN104361677B (en) | 2014-11-07 | 2014-11-07 | It is non-to access money method and self-service device |
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| CN104361677A true CN104361677A (en) | 2015-02-18 |
| CN104361677B CN104361677B (en) | 2017-06-16 |
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| CN111640265A (en) * | 2016-01-08 | 2020-09-08 | 中国建设银行股份有限公司 | Method, system and equipment for positioning card retaining and account error of self-service equipment |
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| CN104361677B (en) | 2017-06-16 |
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