CN104574691A - Service processing method and system based on automatic teller machine - Google Patents
Service processing method and system based on automatic teller machine Download PDFInfo
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Abstract
The invention provides service processing method and system based on an automatic teller machine. The method comprises the steps of submitting first service request information beside, except an authentication key to a mobile terminal, wherein the first service request information includes transaction type, transaction data and bank card information; submitting second service request information to the automatic teller machine, wherein the second service request information includes the authentication key and the bank card information; generating complete third service request information by the automatic teller machine according to the first service request information and the second service request information; processing accounting by the automatic teller machine according to the third service request information. With the adoption of the method and system, a user can operate key at few times or does not need to operate the key during using the automatic teller machine, so that the time of each user operating the automatic teller machine each time can be greatly reduced, and as a result, the purposes of reducing sequencing phenomenon and ensuring the privacy information safety of the user can be achieved.
Description
Technical field
The present invention relates to banking processing technology field, be specifically related to a kind of method for processing business based on automatic teller machine and system.
Background technology
At present, due to exploding of bank card user, in face of automatic teller machine, there is the phenomenon of queuing up, although cell-phone e-bank can solve the transaction of certain customers, but some business cannot be operated by e-bank, such as cash stored in, extract and transfer accounts again stored in cash; Further, have a lot of bank card user not apply to become Mobile banking and Web bank user, therefore, automatic teller machine becomes the major transaction instrument of bank card user.In particularly big city, a lot of place, the phenomenon that stands in a long queue before automatic teller machine annoyings bank always, and the major issue solved is badly in need of in Cheng Liao bank.Solve the problem standed in a long queue, one of its reply way increases automatic teller machine quantity, but, due to the restriction in place, some place cannot have living space to lay automatic teller machine again, even moreover there is the space of installing automatic teller machine in business place, because every platform automatic teller machine price is between 10 ten thousand to 15 ten thousand, make a big purchase automatic teller machine in large quantities also needs huge cost payout.
On the other hand, society has some lawless persons utilize robber's card device and steal bank card and the password that user stolen specially by code device on automatic teller machine, very large loss is caused to bank card user, for security consideration, when holder operates before automatic teller machine, what meeting was vigilant blocks automatic teller machine keyboard with hand, but, can make like this oneself all to feel very awkward with the people of periphery.For this problem, although there is people to devise without blocking the scheme of withdrawing the money, this service needs pre-first to file, and is difficult to the queuing problem solving automatic teller machine.In addition, automatic teller machine is at present in order to prevent other people from peeping, all on keyboard, add radical occlusion device, radical occlusion device is while preventing other people from peeping, also vision and operational inconvenience is brought to card holder, user must bow one's head and just to see clearly near keyboard, the usually operating mistake because not seeing keyboard clearly.
Summary of the invention
The present invention is directed to the above-mentioned problems in the prior art, a kind of method improving automatic teller machine work efficiency is provided, make user when using automatic teller machine, lack button as far as possible or exempt from button, to reach the time shortening the operation of each user at every turn on automatic teller machine widely, reach the object slowing down queuing phenomena and ensure user's private information safety.
Technical scheme of the present invention is:
Based on a method for processing business for automatic teller machine, comprise step:
Submit the first service requesting information except authenticate key on mobile terminals to, described first service requesting information comprises type of transaction, transaction data and bank card information;
Automatic teller machine is submitted to the second service requesting information, and described second service requesting information comprises authenticate key and bank card information;
Automatic teller machine generates the 3rd complete service requesting information according to described first service requesting information and the second service requesting information;
Automatic teller machine carries out accounting processing according to described 3rd service requesting information.
Preferably, the described concrete grammar of the first service requesting information except authenticate key of submitting to is on mobile terminals:
Edit described first service requesting information on the mobile terminal, and send described first service requesting information to described automatic teller machine by sms platform.
Preferably, the concrete grammar generating the 3rd complete service requesting information according to described first service requesting information and the second service requesting information is:
Extract the bank card information in described second service requesting information;
The first service requesting information that retrieval matches with the bank card information in the second service requesting information extracted;
First service requesting information of described mutual coupling and the second service requesting information are combined into the 3rd complete service requesting information.
Preferably, the described method for processing business based on automatic teller machine, also comprises step:
Described automatic teller machine returns accounting processing result to described mobile terminal by described sms platform.
The present invention also provides a kind of method for processing business based on automatic teller machine, comprising:
Start timing when automatic teller machine receives the first service requesting information from described mobile terminal, described first service requesting information comprises type of transaction, transaction data and bank card information;
Described automatic teller machine judge whether described timing start after scheduled duration in receive the second service requesting information from self, described second service requesting information comprises authenticate key and bank card information;
If receive the second service requesting information from self in described scheduled duration, then generate the 3rd complete service requesting information according to described first service requesting information and the second service requesting information and carry out accounting processing according to described 3rd service requesting information, if do not receive the second service requesting information from self in described scheduled duration, then do not generate the 3rd complete service requesting information and invalid described first service requesting information.
The present invention also provides a kind of transaction processing system based on automatic teller machine, comprise: the mobile subscriber terminal connected by network and automatic teller machine, described automatic teller machine comprises preposition integration module, accounting processing module and user profile read module, described accounting processing module and user profile read module are all connected with described preposition integration module, described mobile subscriber terminal is for submitting the first service requesting information except authenticate key to, described first service requesting information comprises type of transaction, transaction data and bank card information, described user profile read module comprises the second service requesting information of bank card information and authenticate key for reading, described preposition integration module is for receiving from the first service requesting information of described mobile subscriber terminal and the second service requesting information from described user profile read module, and send to described accounting processing module after generating the 3rd complete service requesting information according to described first service requesting information and the second service requesting information, described accounting processing module user carries out accounting processing according to described 3rd service requesting information.
Preferably, described preposition integration module also comprises middle control module and connected Short Message Service Gateway module, first receiver module, extraction module, retrieval analysis module, sending module and the second receiver module, described middle control module is used for carrying out unified control and management to whole preposition integration module, described Short Message Service Gateway module is used for receiving described first service requesting information of described mobile terminal transmission by sms platform and the accounting processing result of described accounting processing module being returned to described mobile terminal, described first receiver module is for receiving the second service requesting information of described user profile read module, described extraction module is for extracting the bank card information in described second service requesting information, described retrieval analysis module is used for the first service requesting information that retrieval analysis matches with the bank card information in the second service requesting information extracted, first service requesting information of described mutual coupling and the second service requesting information are combined into the 3rd complete service requesting information, described sending module is used for described 3rd service requesting information to send to described accounting processing module, the accounting processing result that described second receiver module returns for receiving described accounting processing module.
Preferably, described preposition integration module also comprises and the timing judge module of described middle control model calling and invalid module, described timing judge module is used for starting timing when receiving described first service requesting information, and judge whether described timing start after scheduled duration in receive described second service requesting information, described invalid module is used for when invalid described first service requesting information when receiving described second service requesting information in described scheduled duration.
The present invention has following beneficial effect:
1, decrease the time of user's incoming traffic solicited message before automatic teller machine, improve the service efficiency of automatic teller machine;
2, user without the need to inputting the Transaction Information such as account or password before automatic teller machine, improves transaction security and accuracy.
Accompanying drawing explanation
In order to be illustrated more clearly in the technical scheme of the embodiment of the present invention, accompanying drawing required in describing embodiment is done simple introduction below, apparently, accompanying drawing described below 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.
Fig. 1 is the process flow diagram of the method for processing business one based on automatic teller machine of the present invention.
Fig. 2 is the process flow diagram of the method for processing business two based on automatic teller machine of the present invention.
Fig. 3 is the structured flowchart of the transaction processing system based on automatic teller machine of the present invention.
Fig. 4 is the present invention preposition integration module inside composition structural drawing.
Embodiment
Elaborate below in conjunction with the embodiment of Figure of description to the embodiment of the present invention.
Automatic teller machine of the present invention comprises conventional ATM (automatic teller machine) ATM system, bankcard consumption POS system and cash recycling system (CRS), described mobile subscriber terminal comprises mobile phone, notebook computer or ipad, and described mobile subscriber terminal is connected with described automatic teller machine system by mobile radio communication or internet.Suppose in following embodiment that described automatic teller machine is ATM ATM (automatic teller machine), described mobile terminal is mobile phone, then as shown in Figure 1, the method for processing business based on automatic teller machine of the present invention comprises step:
S101: submit the first service requesting information except authenticate key on mobile terminals to, described first service requesting information comprises type of transaction, transaction data and bank card information;
Mobile phone is submitted to the first service requesting information can use the sms platform of mobile phone, described first service requesting information is sent to described automatic teller machine system by the mode of note.Should be that all banks are at ATM system setup Short Message Service Gateway in advance for this reason, this Short Message Service Gateway has a specific gateway code and short message service request code, such as described gateway code can be " 10100 ", described short message service request code can be initial combination " YYYW " of the Chinese phonetic alphabet of " appointment business " four words, when carrying out transferred account service as needed as user, its can on mobile phone short message editing interface editing short message service request code " YYYW ", and input gateway code " 10100 " in " being sent to " hurdle, namely this transferred account service request after sending of clicking is sent to described ATM system, the billing and accounting system of bank replies to cellphone subscriber's operation interface by sms platform, have " drawing " on interface has, " deposit ", " transfer accounts " and the options such as " inquiry ", transferred account service interface is there is immediately in user after clicking " transferring accounts " item wherein, user can input payer account's information and account payee's information on this transferred account service interface.In addition, when inputting payer account's information, in order to ensure the safety of user profile, user can not input whole figure places of payer account number, and only part inputs payer account number, such as only input first 10 of bank card account number, because first 10 of bank card is credit card issuer code+ownership place code, so the quick input of conveniently local bank's card user, also can set up local bank's card account and automatically input option on interface, such as described transferred account service interface prompt: " front 10 bit digital or bank of deposit's area name of payer bank's card account please be input ", if local bank's Debit Card Users, then directly can click local debit card option, if not local bank's debit card, then manually input first 10 of payer account number.In order to prevent user from payer account number all being inputted by mistake, also can limit the figure place of input account, in relevant position, interface, reserved position, 10 spaces is for user's input, cannot input when more than 10.The phone number that described front 10 bank card numbers are communicated with oneself is sent to described ATM system by sms platform, bank's card number received by described ATM analysis, determine bank card ownership place, and in depositor's data bank within the scope of ownership place, find depositor's account of binding with phone number, after obtaining the account account with handset binding, by described sms platform bank of deposit, the Hou Liangwei mantissa of account and latter two Chinese character of householder's title send to described cell phone user terminal in the lump, such as, information " Construction Bank * * * * * * * * * * * * * * * * * 45 Zhang San " is sent to user mobile phone interface, if user has multiple bank cards, send multiple bank's card numbers machine terminal in one's hands, user can select one of them to be the object card that this is concluded the business in multiple bank's card numbers, if user only has a bank card account, account can be saved and select step, directly enter next interface, interface prompt " please input account payee's account, transfer amounts, secret number ", user inputs the rear described paying party accounts information of concrete numeral, namely beneficiary accounts information and dealing money and trading password are sent to described ATM and preserve, so far, described first service requesting information namely receive by ATM and preserve.
S102: submit the second service requesting information comprising bank card information and authenticate key on automatic teller machine to;
After user has submitted described first service requesting information on mobile phone, before user comes ATM ATM (automatic teller machine) machine, payer bank card is inserted ATM, described ATM can pre-set subscription services function, and on ATM interface, set up " appointment business " option, after bank card is inserted ATM by user, namely there is " appointment business " option hurdle in described ATM interface, after user clicks this " subscription services " option, then the personal information on bank card as accounts information and safety certificate etc. second service requesting information will be read.
S103: automatic teller machine generates the 3rd complete service requesting information according to described first service requesting information and the second service requesting information;
Owing to receiving and saving the first service requesting information that numerous user submits in ATM system, different bank card user, its service request type submitted to, bank card account number, transaction data and safety certificate etc. are all different, and bank card account number only has when matching with safety certificate and just can carry out accounting processing, accounting processing could be carried out smoothly when that is only having described first service requesting information and the second service requesting information mutually to mate, for this reason, need to search in the first numerous service requesting information one that the second service requesting information of inputting with this automatic teller machine matches.Specific implementation principle can be, coupling verification is carried out according to the account information in described first service requesting information and the second service requesting information, even described first service requesting information is consistent with the account in the second service requesting information, then illustrate that this first service requesting information and the second service requesting information are couplings, otherwise will not mate.Concrete methods of realizing is: ATM is after receiving the second service requesting information, extract the bank card account number in the second service requesting information, according to the bank card account number in the second extracted service requesting information, search in the first numerous service requesting information and analyze first service requesting information identical with the bank card account number in the second extracted service requesting information, and the personal information in the bank card chip medium in the second service requesting information is joined in described first service requesting information consistent with its account, form one and include bank card personal certificate, payer bank's card account, payee account, the complete business request list of the information such as transfer amounts and secret number, i.e. the 3rd service requesting information.
S104: automatic teller machine carries out accounting processing according to described 3rd service requesting information;
ATM is after receiving complete business request list, whether verification bank card personal information and safety certificate belong to is copied, whether trading password and payer account number coincide, if the code error that user pre-enters or user do not input password intentionally, then ATM prompt cipher mistake please be re-entered or point out and please input password, in account, whether the balance of deposits can support that this is concluded the business, and whether account payee is effective.As above checking is passed through completely, ATM screen there is latter two Chinese character and the transfer amounts of this account payee's account of concluding the business and payee's name, as user confirms errorless just by confirmation, the billing and accounting system of bank starts, extract corresponding fund from payer account and proceed to account payee, complete this automatic teller machine operation service.If user also has second same service request not complete, then ATM prompting user key-press carries out next business.If do not have follow-up work, then ATM prompting user moves back card and leaves the theatre.
As preferred embodiment, the method for processing business based on automatic teller machine of the present invention also can comprise step:
S105: described automatic teller machine returns accounting processing result to described mobile terminal by described sms platform;
Described ATM is after successfully transferring accounts, and it returns an accounting processing object information by Short Message Service Gateway and sms platform to mobile phone, and as sent, " you successfully transfer accounts! " to user mobile phone interface.
In order to avoid the invalid reserve requests information that ATM system storage is too much, with mitigation system burden, the present invention also can control the timeliness of submission second service requesting information, for this reason, the invention provides the another kind of method for processing business based on automatic teller machine, as shown in Figure 2, comprising:
S201: start timing when automatic teller machine receives the first service requesting information from described mobile terminal, described first service requesting information comprises type of transaction, transaction data and bank card information;
Timing triggers is set in ATM system, triggers described timing triggers when ATM receives the first service requesting information from mobile phone and start timing.
S202: judge whether to receive the second service requesting information from self in the scheduled duration after described timing starts, described second service requesting information comprises bank card information and authenticate key;
Described ATM judges whether scheduled time slot afterwards received the second service requesting information in 24 hours from receiving described first service requesting information.
S203: if receive the second service requesting information from self in described scheduled duration, then generate the 3rd complete service requesting information according to described first service requesting information and the second service requesting information and carry out accounting processing according to described 3rd service requesting information, if do not receive the second service requesting information from self in described scheduled duration, then do not generate the 3rd complete service requesting information and invalid described first service requesting information;
If user submits within 24 hours after the first service requesting information on mobile phone, ATM have submitted the second service requesting information, then ATM can generate complete service request list according to described first service requesting information and the second service requesting information, i.e. the 3rd service requesting information, if user submits the time gap of the second service requesting information in ATM, it submits to the time of the first service requesting information to be greater than 24 hours, then described first service requesting information will be cancelled by ATM system or deactivate, concrete deletes described first service requesting information, too much system memory space is taken to avoid the first invalid service requesting information, mitigation system is born.
It is to be noted that the first service requesting information, the second service requesting information, information way of submission and accounting processing method in above-mentioned the second embodiment are all identical with the first embodiment aforementioned, repeat no more herein.
The present invention also provides a kind of transaction processing system based on automatic teller machine, comprise as shown in Figures 3 and 4: the mobile subscriber terminal 310 connected by network and automatic teller machine 320, described automatic teller machine comprises preposition integration module 321, accounting processing module 323 and user profile read module 322, described accounting processing module 323 and user profile read module 322 are all connected with described preposition integration module 321, described preposition integration module 321 also comprises middle control module 3210 and connected Short Message Service Gateway module 3211, first receiver module 3212, extraction module 3213, retrieval analysis module 3214, sending module 3215 and the second receiver module 3216.Suppose that described mobile subscriber terminal 310 is mobile phone, described automatic teller machine 320 is ATM.
The first service requesting information that described Short Message Service Gateway module 3211 is inputted at mobile phone terminal for being received user by sms platform.When user needs to submit the first service requesting information at mobile phone terminal to ATM system, the sms platform of mobile phone can be used, described first service requesting information is sent to described ATM by the mode of note, need to arrange Short Message Service Gateway module 3211 in ATM system for this reason, described Short Message Service Gateway module 3211 has specific gateway code and short message service request code, such as described gateway code can be " 10100 ", described short message service request code can be initial combination " YYYW " of the Chinese phonetic alphabet of " appointment business " four words, when carrying out transferred account service as needed as user, its can on mobile phone short message editing interface editing short message service request code " YYYW ", and input gateway code " 10100 " in " being sent to " hurdle, namely this transferred account service request after sending of clicking is sent to the intrasystem Short Message Service Gateway module 3211 of described ATM, described first service request is forwarded to described accounting processing module 323 by described Short Message Service Gateway module 3211 again, described accounting processing module 323 returns to cellphone subscriber's operation interface by described Short Message Service Gateway module 3211 and sms platform, have " drawing " on interface has, " deposit ", " transfer accounts " and the options such as " inquiry ", user is chosen wherein " transferring accounts " by click, this click choose information pass through described in state Short Message Service Gateway module 3211 and send to described accounting processing module 323, described accounting processing module 323 returns to user mobile phone transfer page by described Short Message Service Gateway module 3211 again, for user input paying party account and beneficiary accounts information after and transaction data.In addition, when inputting payer account's information, in order to ensure the safety of user profile, user can not input whole figure places of payer account number, and only part inputs payer account number, such as only input first 10 of bank card account number, because first 10 of bank card is credit card issuer code+ownership place code, so the quick input of conveniently local bank's card user, also can prestore front 10 accounts of local bank's debit card in described accounting processing module 323 and on interface, set up local bank's card account and automatically input option, if local bank's Debit Card Users, then directly can click local debit card option, this local bank's card option information sends to described accounting processing module 323 by described Short Message Service Gateway module 3211, described accounting processing module 323 extracts front 10 account information of the local bank's debit card preserved in advance, if not local bank's debit card, then manually input first 10 of payer account number.In order to prevent user from payer account number all being inputted by mistake, also can limit the figure place of input account, in relevant position, interface, reserved position, 10 spaces is for user's input, cannot input when more than 10.The phone number of described front 10 bank card numbers connection oneself is sent to the accounting processing module 323 of described ATM system by sms platform and Short Message Service Gateway module 3211, described accounting processing module 323 analyzes received bank's card number, determine bank card ownership place, and in depositor's data bank within the scope of ownership place, find depositor's account of binding with phone number, retrieval analysis module 3214 is sent to after obtaining the account account with handset binding, and by described sms platform and Short Message Service Gateway module 3211 by bank of deposit, the Hou Liangwei mantissa of account and latter two Chinese character of householder's title send to described cell phone user terminal in the lump, such as, information " Construction Bank * * * * * * * * * * * * * * * * * 45 Zhang San " is sent to user mobile phone interface, if user has multiple bank cards, send multiple bank's card numbers machine terminal in one's hands, user can select one of them to be the object card that this is concluded the business in multiple bank's card numbers, and the accounts information of this object card is sent to retrieval analysis module 3214 by Short Message Service Gateway module 3211, if user only has a bank card account, account can be saved and select step, directly enter next interface, interface prompt " please input account payee's account, transfer amounts, secret number ", user inputs the rear described paying party accounts information of concrete numeral, the retrieval analysis module 3214 that namely beneficiary accounts information and dealing money and trading password are sent to described ATM is preserved in advance, so far, described first service requesting information namely receive by ATM and preserve.
The second service requesting information that described first receiver module 3212 inputs in ATM for receiving user.After user has submitted described first service requesting information on mobile phone, before user comes ATM ATM (automatic teller machine) machine, payer bank card is inserted ATM, the second service requesting information of described user profile read module 322 is received by the first receiver module 3212 in ATM, described user profile read module 322 can be the card reader module in ATM, so that the personal information read on described bank card is as the information such as accounts information and safety certificate.
Described extraction module 3213 extracts the account information in the second service requesting information under the control of middle control module 3210.
Described retrieval analysis module 3214 is according to the first service requesting information that retrieval is identical with the account in described second service requesting information in the first numerous service requesting information of the account information in the second extracted service requesting information, and the personal information in the bank card chip medium in the second service requesting information is joined in described first service requesting information consistent with its account, form one and include bank card personal certificate, payer bank's card account, payee account, the complete business request list of the information such as transfer amounts and secret number, i.e. the 3rd service requesting information.
Described sending module 3215 carries out accounting processing for described 3rd service requesting information is sent to described accounting processing module 323.
Described accounting processing module 323 is for carrying out corresponding accounting processing according to received described 3rd service requesting information.Described accounting processing module 323 is after receiving complete business request list, whether verification bank card personal information and safety certificate belong to is copied, whether trading password and payer account number coincide, if the code error that user pre-enters or user do not input password intentionally, then ATM prompt cipher mistake please be re-entered or point out and please input password, in account, whether the balance of deposits can support that this is concluded the business, and whether account payee is effective.As above checking is passed through completely, ATM screen there is latter two Chinese character and the transfer amounts of this account payee's account of concluding the business and payee's name, as user confirms errorless just by confirmation, the billing and accounting system of bank starts, extract corresponding fund from payer account and proceed to account payee, complete this automatic teller machine operation service.If user also has second same service request not complete, then ATM prompting user key-press carries out next business.If do not have follow-up work, then ATM prompting user moves back card and leaves the theatre.
Described accounting processing module 323 is after processing corresponding account, also accounting processing result can be sent to described preposition integration module 321, after described preposition integration module 321 receives this accounting processing result by described second receiver module 3216, by Short Message Service Gateway module 3211, accounting processing result is sent to user mobile phone, as by information " you successfully transfer accounts! " be sent to mobile phone screen.
Described middle control module 3210 controls and coordinated management, so that the mutual coordinative role of each module completes its corresponding function for unifying whole preposition integration module 321.
In order to avoid the invalid reserve requests information that ATM system storage is too much, bear with mitigation system, the present invention also can control the timeliness of submission second service requesting information, for this reason, described preposition integration module 321 also comprises the timing judge module 3217 and invalid module 3218 that are connected with described middle control module 3210, described timing judge module 3217 is for starting timing when receiving described first service requesting information, and judge from receiving described first service requesting information, whether scheduled time slot afterwards received the second service requesting information in 24 hours, described invalid module 3218 is for invalid described first service requesting information when not receiving described second service requesting information within 24 hours, concrete deletes described first service requesting information, too much system memory space is taken to avoid the first invalid service requesting information, mitigation system is born.
In the above-described embodiment, can also the account of transferring accounts commonly used stored in the personal information such as p.m.entry of mobile phone, when needs carry out banking reservation, directly the account duplication in p.m.entry can be affixed to transaction interface, without the need to manually inputting each account, reduce the convenience that account is inputed probability by mistake and improve account input.In addition, all adopt sms platform to transmit the first service requesting information to described automatic teller machine in above-mentioned embodiment, but in practical operation, also directly service request can be carried out by the Web bank's applications client on internet, such as user opens Web bank's applications client by surfing Internet with cell phone, logging in online banks interface, and the preposition integration module that concrete type of service and dealing money and trading password submit to automatic teller machine is inputted in corresponding position, interface, and wait for that user inputs the second service requesting information at automatic teller machine, for the user having Internet bank USB key, user directly can insert U shield and without the need to inputting trading password on mobile phone or other mobile terminals.
Embodiment 1:
Certain user will extract 1000 yuan from bank card, before he comes the automatic teller machine of bank business point, waits in line to withdraw cash.In order to save the running time and prevent password from leaking, so he takes out mobile phone, preengage by the mobile phone being attached to automatic teller machine side method notices operation of withdrawing the money, first, send a code to certain SMS platform, after SMS platform receives solicited message, reply a service selection interface, user have selected and withdraws the money, after confirming, mobile phone receives a reply, please input front 10 bit digital of bank card, and local Debit Card Users is please directly by number sign key in this way.User selects by number sign key, bank comprehensive front end processor receives the information that SMS platform is sent here, extract the billing and accounting system that phone number delivers to the processing host of local bank, billing and accounting system is found and the related account of phone number in local depositor's data bank, after finding associated account number, billing and accounting system returns an information to mobile phone " input Withdrawal Amount and password ", user inputs 1000 yuan and 6 figure place passwords in space, by confirming, user receives a reply " your service request is accepted, and you can withdraw cash on automatic teller machine ".So the operation of user's upper automatic teller machine, user selects reservation to withdraw the money a hurdle, then inserts bank card, and automatic teller machine spues 1000 yuan of banknotes automatically.
Embodiment 2:
Someone is at market shopping, he needs to pay the bill with bank card, because the people queued up is a lot of and in order to not reveal the password of oneself, so first send a code to a SMS platform with mobile phone, after SMS platform receives solicited message, reply a service selection interface, select have a column to be that POS password pre-enters in interface, he clicks this column, mobile phone enters next interface: please input password, user inputs bank card password, click and confirm, the bank cipher of user is sent to billing and accounting system service request list corresponding module and stores, generate the imperfect service request list that has trading password, then in the POS of businessman, insert the bank card of oneself, salesman inputs Payment Amount, by confirming, the trading card that the information of POS input lacks password as bank card account number and this dealing money etc. is sent to service request list corresponding module, jointly form a complete trading card with the password pre-deposited and performed.The POS of businessman prints bill after completing payment program.For POS bankcard consumption business, grant user is first swiped the card and is inputted password afterwards in the POS of businessman, businessman is after the bank card inserting user and input Payment Amount, password can not be inputted just by confirmation, bank card data and Payment Amount are sent to the billing and accounting system of holder, the password that billing and accounting system contrast user stays in advance, confirm incorrect, trading card is delivered to billing and accounting system service request list memory module keep in, simultaneously, the information that a code error please inputs one time is again returned to POS, simultaneously, billing and accounting system also sends Transaction Information to the mobile phone associated with cardholder accounts, allow holder on mobile phone by confirmation or input password, holder clicks acknowledgement key or inputs password by after confirmation on the mobile phone of oneself, the authorized order of holder or password are sent to the billing and accounting system of holder, a complete service request list is synthesized with the service request list being temporarily stored in billing and accounting system memory module, then this Transaction Success as correct in password.
Usefulness of the present invention is operation input information on automatic teller machine keyboard and instruction should changing into and being inputted in advance by mobile phone or computer, the button flow process of user before automatic teller machine can be removed like this from, shorten the running time of user widely, improve the work efficiency of every portion teller, be expected to for bank saves huge equipment expenditure.Meanwhile, owing to not needing at automatic teller machine input bank card business dealing password, can avoid the bank card of user and password simultaneously stolen, serve the protective effect to bank card user.In addition, for the account of transferring accounts often used, user can it stored in the p.m.entry of mobile phone, need to paste transaction interface by the technological means then again by copying stickup, without the need to manually inputting each account, account can be reduced like this and input probability by mistake, facilitating user widely.
The above embodiment only have expressed preferred embodiment of the present invention, and it describes comparatively concrete and detailed, but therefore can not be interpreted as the restriction to the scope of the claims of the present invention.It should be pointed out that for the person of ordinary skill of the art, without departing from the inventive concept of the premise, can also make some distortion and improvement, these all belong to protection scope of the present invention.Therefore, the protection domain of patent of the present invention should be as the criterion with claims.
Claims (8)
1. based on a method for processing business for automatic teller machine, it is characterized in that, comprise step:
Submit the first service requesting information except authenticate key on mobile terminals to, described first service requesting information comprises type of transaction, transaction data and bank card information;
Automatic teller machine is submitted to the second service requesting information, and described second service requesting information comprises authenticate key and bank card information;
Automatic teller machine generates the 3rd complete service requesting information according to described first service requesting information and the second service requesting information;
Automatic teller machine carries out accounting processing according to described 3rd service requesting information.
2. a kind of method for processing business based on automatic teller machine according to claim 1, is characterized in that, the described concrete grammar of the first service requesting information except authenticate key of submitting to is on mobile terminals:
Edit described first service requesting information on the mobile terminal, and send described first service requesting information to described automatic teller machine by sms platform.
3. a kind of method for processing business based on automatic teller machine according to claim 1 and 2, is characterized in that, the described concrete grammar generating the 3rd complete service requesting information according to described first service requesting information and the second service requesting information is:
Extract the bank card information in described second service requesting information;
The first service requesting information that retrieval matches with the bank card information in the second service requesting information extracted;
First service requesting information of described mutual coupling and the second service requesting information are combined into the 3rd complete service requesting information.
4. a kind of method for processing business based on automatic teller machine according to claim 3, is characterized in that, the described method for processing business based on automatic teller machine, also comprises step:
Described automatic teller machine returns accounting processing result to described mobile terminal by described sms platform.
5. based on a method for processing business for automatic teller machine, it is characterized in that, comprise step:
Start timing when automatic teller machine receives the first service requesting information from described mobile terminal, described first service requesting information comprises type of transaction, transaction data and bank card information;
Described automatic teller machine judges whether to receive the second service requesting information from self in the scheduled duration after described timing starts, and described second service requesting information comprises authenticate key and bank card information;
If receive the second service requesting information from self in described scheduled duration, then generate the 3rd complete service requesting information according to described first service requesting information and the second service requesting information and carry out accounting processing according to described 3rd service requesting information, if do not receive the second service requesting information from self in described scheduled duration, then do not generate the 3rd complete service requesting information and invalid described first service requesting information.
6. the transaction processing system based on automatic teller machine, it is characterized in that, comprise: the mobile subscriber terminal connected by network and automatic teller machine, described automatic teller machine comprises preposition integration module, accounting processing module and user profile read module, described accounting processing module and user profile read module are all connected with described preposition integration module, described mobile subscriber terminal is for submitting the first service requesting information except authenticate key to, described first service requesting information comprises type of transaction, transaction data and bank card information, described user profile read module comprises the second service requesting information of bank card information and authenticate key for reading, described preposition integration module is for receiving from the first service requesting information of described mobile subscriber terminal and the second service requesting information from described user profile read module, and send to described accounting processing module after generating the 3rd complete service requesting information according to described first service requesting information and the second service requesting information, described accounting processing module user carries out accounting processing according to described 3rd service requesting information.
7. a kind of transaction processing system based on automatic teller machine according to claim 6, it is characterized in that, described preposition integration module also comprises middle control module and connected Short Message Service Gateway module, first receiver module, extraction module, retrieval analysis module, sending module and the second receiver module, described middle control module is used for carrying out unified control and management to whole preposition integration module, described Short Message Service Gateway module is used for receiving described first service requesting information of described mobile terminal transmission by sms platform and the accounting processing result of described accounting processing module being returned to described mobile terminal, described first receiver module is for receiving the second service requesting information of described user profile read module, described extraction module is for extracting the bank card information in described second service requesting information, described retrieval analysis module is used for the first service requesting information that retrieval analysis matches with the bank card information in the second service requesting information extracted, first service requesting information of described mutual coupling and the second service requesting information are combined into the 3rd complete service requesting information, described sending module is used for described 3rd service requesting information to send to described accounting processing module, the accounting processing result that described second receiver module returns for receiving described accounting processing module.
8. a kind of transaction processing system based on automatic teller machine according to claim 7, it is characterized in that, described preposition integration module also comprises and the timing judge module of described middle control model calling and invalid module, described timing judge module is used for starting timing when receiving described first service requesting information, and judge whether in the scheduled duration after described timing starts, to receive described second service requesting information, described invalid module is used for invalid described first service requesting information when not receiving described second service requesting information in described scheduled duration.
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| CN104574691B (en) | 2017-07-04 |
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