CN104574691B - A kind of method for processing business and system based on automatic teller machine - Google Patents
A kind of method for processing business and system based on automatic teller machine Download PDFInfo
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- CN104574691B CN104574691B CN201510021162.8A CN201510021162A CN104574691B CN 104574691 B CN104574691 B CN 104574691B CN 201510021162 A CN201510021162 A CN 201510021162A CN 104574691 B CN104574691 B CN 104574691B
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Abstract
The present invention provides a kind of method for processing business and system based on automatic teller machine, and wherein methods described includes step：Submitting the first service requesting information in addition to certification key, first service requesting information on mobile terminals includes type of transaction, transaction data and bank card information；Submitting the second service requesting information, second service requesting information on automatic teller machine includes certification key and bank card information；Automatic teller machine generates the 3rd complete service requesting information according to first service requesting information and the second service requesting information；Automatic teller machine carries out accounting processing according to the 3rd service requesting information.The invention enables user when using automatic teller machine, button or exempt from button less as far as possible, to reach the time of the operation for greatly shortening each user every time on automatic teller machine, reach the purpose for slowing down queuing phenomena and ensureing user's private information safety.
Description
Technical field
The present invention relates to banking processing technology field, and in particular to a kind of Business Processing side based on automatic teller machine
Method and system.
Background technology
At present, exploding due to bank card user, occurs in that the phenomenon of queuing, although cell-phone e-bank in face of automatic teller machine
The transaction of certain customers can be solved, but, some business cannot be operated by e-bank, such as cash is stored in,
Cash is extracted and is stored in transfer accounts again；Also, there are many bank card users not apply to become Mobile banking and online silver
Row user, therefore, automatic teller machine turns into the major transaction instrument of bank card user.In many places particularly big city, automatic teller machine
The preceding phenomenon that stands in a long queue annoyings bank always, into the major issue that bank is badly in need of solving.Solve the problems, such as to stand in a long queue, its
One of reply method is to increase automatic teller machine quantity, but, due to the limitation in place, some places are that cannot again have the space can to pacify
Automatic teller machine is put, moreover even there is the space for installing automatic teller machine in business place, because every automatic teller machine price is 100,000 to 150,000
Between, to make a big purchase automatic teller machine in large quantities and be also required to huge cost payout.
On the other hand, society has some lawless persons specially to steal user's on automatic teller machine using card device and robber's code device is stolen
Bank card and password, very big loss is caused to bank card user, for security consideration, holder when being operated before automatic teller machine,
Can be vigilant block automatic teller machine keyboard with hand, however, such that the people on oneself and periphery feels very awkward.For this
Problem, although someone devises the scheme withdrawn the money without card, but this service needs pre- first to file, and is difficult to solve the row of automatic teller machine
Team's problem.Additionally, automatic teller machine currently in order to prevent other people from peeping, has all added radical occlusion device on keyboard, radical occlusion device is anti-
While only other people peep, vision and operational inconvenience also are brought to card holder, user must bow one's head to be close to keyboard
Can just see, usually because not seeing keyboard and operating mistake.
The content of the invention
The present invention is directed to the above-mentioned problems in the prior art, there is provided a kind of method of raising automatic teller machine operating efficiency,
So that user is when using automatic teller machine, button or exempt from button less as far as possible, greatly shorten each user every time in teller to reach
The time of the operation on machine, reach the purpose for slowing down queuing phenomena and ensureing user's private information safety.
The technical scheme is that：
A kind of method for processing business based on automatic teller machine, including step：
Submit the first service requesting information in addition to certification key, first service requesting information on mobile terminals
Including type of transaction, transaction data and bank card information；
Submit the second service requesting information on automatic teller machine, second service requesting information include certification key and
Bank card information；
Automatic teller machine generates the 3rd complete industry according to first service requesting information and the second service requesting information
Business solicited message；
Automatic teller machine carries out accounting processing according to the 3rd service requesting information.
Preferably, the specific method of first service requesting information submitted on mobile terminals in addition to certification key
For：
First service requesting information is edited on the mobile terminal, and sends described by sms platform
One service requesting information is to the automatic teller machine.
Preferably, generating the 3rd complete business according to first service requesting information and the second service requesting information please
The specific method for seeking information is：
Extract the bank card information in second service requesting information；
The first service request that bank card information in retrieval and the second service requesting information extracted matches
Information；
First service requesting information being mutually matched and the second service requesting information are combined into the 3rd complete industry
Business solicited message.
Preferably, the method for processing business based on automatic teller machine, also including step：
The automatic teller machine returns to accounting processing result to the mobile terminal by the sms platform.
The present invention also provides a kind of method for processing business based on automatic teller machine, including：
Start timing, described when automatic teller machine receives the first service requesting information from the mobile terminal
One service requesting information includes type of transaction, transaction data and bank card information；
The automatic teller machine judge whether the timing start after scheduled duration in receive from itself second
Service requesting information, second service requesting information includes certification key and bank card information；
If receiving the second service requesting information from itself in the scheduled duration, according to first business
Solicited message and the second service requesting information generate the 3rd complete service requesting information and are believed according to the 3rd service request
Breath carries out accounting processing, if not receiving the second service requesting information from itself in the scheduled duration, does not generate
Complete the 3rd service requesting information and invalid first service requesting information.
The present invention also provides a kind of transaction processing system based on automatic teller machine, including：By the movement of network connection
User terminal and automatic teller machine, the automatic teller machine include preposition integration module, accounting processing module and user profile
Read module, the accounting processing module and user profile read module are connected with the preposition integration module, the movement
User terminal is used to submit the first service requesting information in addition to certification key to, and first service requesting information is including concluding the business
Type, transaction data and bank card information, the user profile read module are used to read comprising bank card information and certification
Second service requesting information of key, the preposition integration module is used to receive the first business from the mobile subscriber terminal
Solicited message and the second service requesting information from the user profile read module, and according to first service request
Information and the second service requesting information are sent to the accounting processing module after generating the 3rd complete service requesting information, described
Accounting processing module user carries out accounting processing according to the 3rd service requesting information.
Preferably, the preposition integration module also includes middle control module and connected Short Message Service Gateway module, first connects
Module, extraction module, retrieval analysis module, sending module and the second receiver module are received, the middle control module is used for whole
Preposition integration module carries out unified control and management, and the Short Message Service Gateway module is used to receive the shifting by sms platform
First service requesting information and the accounting processing result of the accounting processing module is returned into institute that dynamic terminal sends
Mobile terminal is stated, first receiver module is used to receive the second service requesting information of the user profile read module, institute
The bank card information that extraction module is used to extract in second service requesting information is stated, the retrieval analysis module is used to retrieve
The first service requesting information that bank card information in analysis and the second service requesting information extracted matches, by the phase
Mutually first service requesting information and the second service requesting information of matching are combined into the 3rd complete service requesting information, the hair
Send module for the 3rd service requesting information to be sent into the accounting processing module, second receiver module is used to connect
Receive the accounting processing result that the accounting processing module is returned.
Preferably, the preposition integration module also includes the timing judge module and invalid mould that are connected with the middle control module
Block, the timing judge module is used to start timing when first service requesting information is received, and judges whether described
Timing start after scheduled duration in receive second service requesting information, the invalid module is used for when not described
Invalid first service requesting information during second service requesting information is received in scheduled duration.
The present invention has the advantages that：
1st, the time of user's incoming traffic solicited message before automatic teller machine is reduced, improve automatic teller machine uses effect
Rate；
2nd, user is before automatic teller machine without being input into the Transaction Information such as account or password, improves transaction security and accurate
Property.
Brief description of the drawings
Technical scheme in order to illustrate more clearly the embodiments of the present invention, embodiment will be described below needed for want it is attached
Figure does simple introduction, it should be apparent that, drawings discussed below is only some embodiments of the present invention, general for this area
For logical technical staff, on the premise of not paying creative work, other accompanying drawings can also be obtained according to these accompanying drawings.
Fig. 1 is the flow chart of the method for processing business one based on automatic teller machine of the invention.
Fig. 2 is the flow chart of the method for processing business two based on automatic teller machine of the invention.
Fig. 3 is the structured flowchart of the transaction processing system based on automatic teller machine of the invention.
Fig. 4 is preposition integration module inside composition structure chart of the invention.
Specific embodiment
The specific embodiment of the embodiment of the present invention is elaborated with reference to Figure of description.
Automatic teller machine of the present invention include conventional ATM ATM system, bankcard consumption POS system with
And cash recycling system（CRS）, the mobile subscriber terminal include mobile phone, notebook computer or ipad, the mobile subscriber
Terminal is connected by mobile radio communication or internet with the automatic teller machine system.Assume in implementation below described
Automatic teller machine is ATM ATMs, and the mobile terminal is mobile phone, then as shown in figure 1, of the invention based on bank cashier
The method for processing business of machine includes step：
S101：Submit the first service requesting information in addition to certification key on mobile terminals, first business please
Seeking information includes type of transaction, transaction data and bank card information；
Submit to the first service requesting information that the sms platform of mobile phone can be used on mobile phone, by first industry
Business solicited message is sent to the automatic teller machine system by way of short message.For this should in advance for all banks in ATM
One Short Message Service Gateway of system setup, the Short Message Service Gateway has a specific gateway code and short message service request code, example
Gateway code can be " 10100 " as described, and the short message service request code can be " appointment business " four Chinese phonetic alphabet of word
Initial combination " YYYW ", such as when user needs to carry out transferred account service, its can on mobile phone short message editing interface editing it is short
Communication service asks code " YYYW ", and is input into gateway code " 10100 " in " sending extremely " column, clicks on the industry of transferring accounts after sending
Business request is sent to the ATM system, and the billing and accounting system of bank replies to cellphone subscriber one by sms platform
Individual operation interface, interface have on have an options such as " drawings ", " deposit ", " transferring accounts " and " inquiry ", user click on it is therein " turn
Occurs transferred account service interface after account " item immediately, user can be input into payer account's information and receipts on the transferred account service interface
Money people's accounts information.Additionally, when payer account's information is input into, in order to ensure the safety of user profile, user can not be input into
Whole digits of payer account number, and only part input payer account number, for example, merely enter first 10 of bank card account number, due to
Before bank card 10 is hair fastener line code+ownership place code, so local bank's card user rapidly inputs for convenience, may be used also
Local bank's card account is set up on interface and automatically enters option, such as described transferred account service interface prompt：" requestee please be input into
Preceding 10 bit digital or bank of deposit's area name of bank card account number ", if local bank's Debit Card Users, then can click directly on
Local debit card option, if not local bank's debit card, is then manually entered first 10 of payer account number.In order to prevent using
Family by mistake fully enters payer account number, and also the digit that be input into account can be limited, reserved 10 in interface relevant position
Space position supplies user input, and input is will be unable to when more than 10.Preceding 10 bank card numbers connect the cell-phone number of oneself
Code is sent to the ATM system by sms platform, and the ATM analyzes received bank's card number, it is determined that
The depositor's account with phone number binding is found in bank card ownership place, and depositor's data bank in the range of ownership place, is obtained
After the account account of handset binding, by the sms platform bank of deposit, the Hou Liangwei mantissa of account and householder name
Latter two Chinese character for claiming is sent to the cell phone user terminal in the lump, for example, by information " Construction Bank * * * * * * * * * * * * * * * * * 45
Zhang San " is sent to user mobile phone interface, and multiple bank's card numbers machine terminal in one's hands, user are sent if user has multiple bank cards
It is the object card of this transaction that one of them can be selected in multiple bank's card numbers, if user's only one of which bank card account, can
Account selection step is saved, next interface is directly entered, interface prompt " please be input into account payee's account, transfer amounts, turn
Account password ", the paying party accounts information, beneficiary accounts information and dealing money and transaction after the specific numeral of user input
Password is to be sent to the ATM to be preserved, and so far, first service requesting information is to be received and protected by ATM
Deposit.
S102：Submit the second service requesting information comprising bank card information and certification key on automatic teller machine；
After user has submitted first service requesting information on mobile phone, before user comes ATM ATM machines,
Payer bank card is inserted into ATM, the ATM can pre-set subscription services function, and be set up on ATM interface
" appointment business " option, after bank card is inserted ATM by user, the ATM interface is " appointment business " option column occur,
User is clicked on after being somebody's turn to do " subscription services " option, then second industry such as such as accounts information and safety certificate of the personal information on bank card
Business solicited message will be read.
S103：Automatic teller machine generates complete the according to first service requesting information and the second service requesting information
Three service requesting informations；
Due to the first service requesting information that numerous users submit to, different banks are received and saved in ATM system
Card user, service request type, bank card account number, transaction data and safety certificate that it is submitted to etc. are all different, and silver-colored
Row card account can just carry out accounting processing when only matching with safety certificate, that is to say, that only described first business please
Accounting processing can be just smoothed out when asking information and the second service requesting information to be mutually matched, for this reason, it may be necessary to numerous first
One matched with the second service requesting information of this automatic teller machine input is searched in service requesting information.Implement principle
Can be that the account information in first service requesting information and the second service requesting information carries out matching verification, even
First service requesting information is consistent with the account in the second service requesting information, then illustrate first service requesting information
It is matching with the second service requesting information, will otherwise mismatches.Concrete methods of realizing is：ATM is receiving the second business
After solicited message, the bank card account number in the second service requesting information is extracted, according in the second service requesting information extracted
Bank card account number, in searching analysis and the second service requesting information extracted in the first numerous service requesting informations
The service requesting information of bank card account number identical first, and will be individual in the bank card chip medium in the second service requesting information
People's data is added in first service requesting information consistent with its account, is formed one and is included bank card personal authentication
The complete business request of the information such as data, payer bank's card account, payee account, transfer amounts and secret number is single,
That is the 3rd service requesting information.
S104：Automatic teller machine carries out accounting processing according to the 3rd service requesting information；
After complete business request list is received, whether verification bank card personal information and safety certificate belong to multiple to ATM
System, whether trading password coincide with payer account number, if the code error that pre-enters of user or user are not input into intentionally
Password, then ATM prompt cipher mistake please re-enter or point out that password please be input, whether the balance of deposits can be supported in account
This is concluded the business, and whether account payee is effective etc..Checking passes through completely as more than, occurs the receipts of this transaction on ATM screen
Latter two Chinese character and transfer amounts of money people's account account and payee's name, by confirmation if user's confirmation is errorless, bank
Billing and accounting system starts, and extracting corresponding fund from payer account is transferred to account payee, completes this automatic teller machine operation service.
If user also has second same service request not complete, ATM prompting user key-press carries out next business.If no
Follow-up work, then ATM prompting user move back card and leave the theatre.
Used as preferred embodiment, the method for processing business based on automatic teller machine of the invention may also include step：
S105：It is whole to the movement that the automatic teller machine returns to accounting processing result by the sms platform
End；
After successfully being transferred accounts, it can return to one to the ATM by Short Message Service Gateway and sms platform to mobile phone
" you successfully transfer accounts for individual accounting processing object information, such as transmission！" to user mobile phone interface.
In order to avoid the invalid reserve requests information of ATM system storing excess, to mitigate system burden, the present invention may be used also
Timeliness to submitting the second service requesting information to is controlled, therefore, the present invention provides another industry based on automatic teller machine
Business processing method, as shown in Fig. 2 including：
S201：Start timing when automatic teller machine receives the first service requesting information from the mobile terminal,
First service requesting information includes type of transaction, transaction data and bank card information；
Timing triggers are set in ATM system, when ATM receives the first service requesting information from mobile phone
Trigger the timing triggers and start timing.
S202：Judge whether to receive the second service request from itself in the scheduled duration after the timing starts
Information, second service requesting information includes bank card information and certification key；
The ATM judged from first service requesting information is received, scheduled time slot afterwards such as 24 hours
Inside whether receive the second service requesting information.
S203：If receiving the second service requesting information from itself in the scheduled duration, according to described
One service requesting information and the second service requesting information generate the 3rd complete service requesting information and according to the 3rd business
Solicited message carries out accounting processing, if not receiving the second service requesting information from itself in the scheduled duration,
The 3rd complete service requesting information and invalid first service requesting information are not generated；
If user submits within 24 hours after the first service requesting information on mobile phone, second is have submitted on ATM
Service requesting information, then ATM can be according to first service requesting information and the complete industry of the second service requesting information generation
Business request is single, i.e. the 3rd service requesting information, if user submitted on ATM the second service requesting information time gap its carry
Time of the first service requesting information is handed over more than 24 hours, then first service requesting information will be cancelled by ATM system or
Deactivate, first service requesting information can specifically be deleted, to avoid the first invalid service requesting information from taking
Many system memory spaces, mitigate system burden.
It should be noted that：The first service requesting information, the second service requesting information in above-mentioned second implementation method,
Information way of submission and accounting processing method are identical with foregoing the first implementation method, and here is omitted.
The present invention also provides a kind of transaction processing system based on automatic teller machine, includes as shown in Figures 3 and 4：By net
The mobile subscriber terminal 310 and automatic teller machine 320 of network connection, the automatic teller machine include preposition integration module 321, account
Processing module 323 and user profile read module 322, the accounting processing module 323 and user profile read module 322 are equal
It is connected with the preposition integration module 321, the preposition integration module 321 also includes middle control module 3210 and connected short
Letter gateway module 3211, the first receiver module 3212, extraction module 3213, retrieval analysis module 3214, sending module 3215 with
And second receiver module 3216.Assuming that the mobile subscriber terminal 310 is mobile phone, the automatic teller machine 320 is ATM.
The Short Message Service Gateway module 3211 is used to receive the first industry that user is input into mobile phone terminal by sms platform
Business solicited message.When user needs to submit the first service requesting information to ATM system in mobile phone terminal, mobile phone can be used
Sms platform, first service requesting information is sent to the ATM by way of short message, for this need exist
Short Message Service Gateway module 3211 is set in ATM system, and the Short Message Service Gateway module 3211 has specific gateway code and short
Communication service asks code, such as described gateway code can be " 10100 ", and the short message service request code can be " appointment business "
Four initials combination " YYYW " of the Chinese phonetic alphabet of word, such as when user needs to carry out transferred account service, it can be short on mobile phone
Letter editing interface editing short message service request code " YYYW ", and it is input into gateway code " 10100 ", point in " sending extremely " column
Fire the Short Message Service Gateway module 3211 that transferred account service request is sent in the ATM system after sending, the short message net
Close module 3211 and first service request is forwarded to the accounting processing module 323 again, the accounting processing module 323 is led to
Cross the Short Message Service Gateway module 3211 and sms platform return to one operation interface of cellphone subscriber, interface have on have and " carry
The options such as money ", " deposit ", " transferring accounts " and " inquiry ", user wherein " is transferred accounts " by clicking on to choose, and information is chosen in the click
The accounting processing module 323 is sent to by the Short Message Service Gateway module 3211 of stating, the accounting processing module 323 is led to again
Cross the Short Message Service Gateway module 3211 and return to one transfer page of user mobile phone, for user input paying party account and beneficiary
After accounts information and transaction data.Additionally, when payer account's information is input into, in order to ensure the safety of user profile, using
Family can not be input into whole digits of payer account number, and only part is input into payer account number, for example, merely enter bank card account number
First 10, because 10 is hair fastener line code+ownership place code before bank card, so local bank's card user for convenience is fast
Speed input, 10 accounts and on interface before can also prestoring local bank's debit card in the accounting processing module 323
Set up local bank's card account and automatically enter option, if local bank's Debit Card Users, then can click directly on local debit
Card option, local bank's card option information is sent to the accounting processing module 323 by the Short Message Service Gateway module 3211,
The accounting processing module 323 extracts 10 account informations before the local bank's debit card for pre-saving, if not local silver
Row debit card, then be manually entered first 10 of payer account number.In order to prevent user from fully entering payer account number by mistake, may be used also
Digit to being input into account is limited, and user input is supplied in the reserved 10 spaces position in interface relevant position, when more than 10
Will be unable to input.Preceding 10 bank card numbers connect the phone number of oneself by sms platform and Short Message Service Gateway mould
Block 3211 is sent to the accounting processing module 323 of the ATM system, and the accounting processing module 323 is analyzed received
Bank's card number, determine bank card ownership place, and found and phone number binding in depositor's data bank in the range of ownership place
Depositor's account, obtain and be sent to retrieval analysis module 3214 with after the account account of handset binding, and taken by the short message
Business platform and Short Message Service Gateway module 3211 are concurrent by latter two Chinese character one of bank of deposit, the Hou Liangwei mantissa of account and householder's title
The cell phone user terminal is given, for example, information " Construction Bank * * * * * * * * * * * * * * * * * 45 Zhang San " is sent to user mobile phone circle
Face, sends multiple bank's card numbers machine terminal in one's hands if user has multiple bank cards, and user can select in multiple bank's card numbers
It is the object card of this transaction to select one of them, and the accounts information of the object card is sent to by Short Message Service Gateway module 3211
Retrieval analysis module 3214, if user's only one of which bank card account, can save account selection step, be directly entered next boundary
Face, interface prompt " please be input into account payee's account, transfer amounts, secret number ", described pair after the specific numeral of user input
Money side's accounts information, beneficiary accounts information and dealing money and trading password are the retrieval point for being sent to the ATM
Analysis module 3214 is pre-saved, and so far, first service requesting information is to be received and preserved by ATM.
First receiver module 3212 is used to receive the second service requesting information that user is input on ATM.When with
After first service requesting information has been submitted at family on mobile phone, before user comes ATM ATM machines, by payer bank
Card insertion ATM, the second industry of the user profile read module 322 is received by the first receiver module 3212 on ATM
Business solicited message, the user profile read module 322 can be the card reader module on ATM, to read the bank card
On the information such as personal information such as accounts information and safety certificate.
Account during the extraction module 3213 extracts the second service requesting information under the control of middle control module 3210 is believed
Breath.
Account information of the retrieval analysis module 3214 in the second service requesting information extracted is numerous
Retrieval is believed with the service request of account identical first in second service requesting information in first service requesting information
Breath, and by the personal information in the bank card chip medium in the second service requesting information be added to it is consistent with its account described in
In first service requesting information, form one and include bank card personal certificate, payer bank's card account, collect money and acknowledge a debt
Number, the complete business request of the information such as transfer amounts and secret number it is single, i.e. the 3rd service requesting information.
The sending module 3215 is used to send to the accounting processing module 323 by the 3rd service requesting information
Row accounting processing.
The accounting processing module 323 is used to be carried out at corresponding account according to the 3rd service requesting information for being received
Reason.After complete business request list is received, verification bank card personal information and safety certificate are the accounting processing module 323
No to belong to duplication, whether trading password coincide with payer account number, if the code error that pre-enters of user or user have
Meaning does not input password, then ATM prompt cipher mistake please be re-entered or point out that password please be input, and whether the balance of deposits in account
Can support that this is concluded the business, whether account payee effective etc..Checking passes through completely as more than, occurs this on ATM screen
Account payee's account of transaction and latter two Chinese character of payee's name and transfer amounts, by true if user's confirmation is errorless
Recognize, the billing and accounting system of bank starts, extracting corresponding fund from payer account is transferred to account payee, completes this automatic teller machine
Operation service.If user also has second same service request not complete, ATM prompting user key-press carries out next industry
Business.If without follow-up work, ATM prompting user move back card and leave the theatre.
The accounting processing module 323 can be also sent to before described accounting processing result after corresponding account has been processed
Integration module 321 is put, the preposition integration module 321 receives the accounting processing result by second receiver module 3216
Afterwards, accounting processing result is sent to by user mobile phone by Short Message Service Gateway module 3211, such as " you successfully transfer accounts by information！" hair
Deliver to mobile phone screen.
The middle control module 3210 is used to that whole preposition integration module 321 to be uniformly controlled and coordinated and managed, so as to
Each mutually coordinated effect of module completes its corresponding function.
In order to avoid the invalid reserve requests information of ATM system storing excess, to mitigate system burden, the present invention may be used also
Timeliness to submitting the second service requesting information to is controlled, therefore, the preposition integration module 321 also includes and the middle control
The timing judge module 3217 and invalid module 3218 of the connection of module 3210, the timing judge module 3217 are received for working as
Start timing during first service requesting information, and judge from first service requesting information is received, afterwards
Whether scheduled time slot receives the second service requesting information in such as 24 hours, the invalid module 3218 is used for when not small 24
When within receive invalid first service requesting information during second service requesting information, specifically can be by described first
Service requesting information is deleted, and to avoid the first invalid service requesting information from taking excessive system memory space, mitigates system
Burden.
In the above-described embodiment, commonly used account of transferring accounts can also be stored in the personal informations such as the memorandum of mobile phone
In, when needing to carry out banking reservation, the account duplication in memorandum directly can be affixed into transaction interface, without manual
Each account is input into, the convenience that account inputs probability by mistake and improves account input is reduced.Additionally, being adopted in above-mentioned implementation method
The first service requesting information to the automatic teller machine is transmitted with sms platform, but in practical operation, also can be straight
The Web bank's applications client connected on internet carries out service request, and such as user opens online silver by surfing Internet with cell phone
Row applications client, logging in online banks interface, and it is input into specific type of service and trade gold in interface corresponding position
Volume and trading password submit to the preposition integration module of automatic teller machine, and wait user to be input into the second service request in automatic teller machine
Information, for the user for possessing Internet bank USB key, user directly can insert U-shield and need not be input on mobile phone or other mobile terminals
Trading password.
Embodiment 1：
Certain user will extract 1000 yuan, before he comes the automatic teller machine of bank business point from bank card, wait in line to withdraw cash.
In order to save the operating time and prevent password from leaking, then he takes out mobile phone, is preengage by the mobile phone being attached to beside automatic teller machine and withdrawn the money
Method notices operation, first, sends a code to certain SMS platform, after SMS platform receives solicited message, replys one
Service selection interface, user have selected withdrawal, and after confirmation, mobile phone receives a reply, please be input into preceding 10 digit of bank card
Word, local Debit Card Users are please directly by number sign key in this way.Number sign key is pressed in user's selection, and bank comprehensive front end processor receives short message and puts down
The information that platform is sent, extracts the billing and accounting system that phone number is sent to the treatment main frame of local bank, and billing and accounting system is in local depositor
Found and the related account of phone number in data bank, after finding associated account number, billing and accounting system returns to an information to mobile phone
" input Withdrawal Amount and password ", user is input into 1000 yuan and 6 digit passwords in space, and by confirmation, user receives one and returns
Multiple " your service request has been accepted, and you can withdraw cash on automatic teller machine ".Then the upper automatic teller machine operation of user, user's selection
Reservation is withdrawn the money a column, is inserted into bank card, and automatic teller machine spues 1000 yuan of banknotes automatically.
Embodiment 2：
, in market shopping, he needs to be paid the bill with bank card for someone, because the people for queuing up is not much and in order to reveal oneself
Password, then first sends a code to a SMS platform with mobile phone, after SMS platform receives solicited message, replys an industry
Business selection interface, it is that POS password is pre-entered to have a column in selection interface, and he clicks on the column, and mobile phone enters next
Interface：Password please be input, user input bank card password is clicked on and confirmed, the bank cipher of user is sent to billing and accounting system business
The single corresponding module of request is stored, and generation one has the imperfect service request list of trading password, then in the POS of businessman
The upper insertion bank card of oneself, salesman's input Payment Amount, by confirmation, the information such as bank card account number of POS input and this
The trading card that dealing money etc. lacks password is sent to service request list corresponding module, and one is collectively constituted with the password for pre-depositing
Individual complete trading card is simultaneously performed.The POS of businessman prints bill after payment program is completed.Swiped the card for POS and disappeared
For taking business, permit user and first swiped the card in the POS of businessman to input password afterwards, businessman is in the bank card of insertion user and defeated
After entering Payment Amount, password can not be input just by confirmation, bank card data and Payment Amount are sent to the account system of holder
System, the pre- password for leaving of billing and accounting system control user, confirmation is incorrect, and trading card is sent to the storage of billing and accounting system service request list
Module is kept in, meanwhile, return to the information that code error is please input into one time again to POS, meanwhile, billing and accounting system also to
The mobile phone associated with cardholder accounts sends Transaction Information, allows holder on mobile phone by confirmation or input password, holder
After acknowledgement key or input password are clicked on the mobile phone of oneself by confirming, the authorized order or password of holder are sent to holder
Billing and accounting system, and be temporarily stored in billing and accounting system memory module service request list synthesize a complete service request list, such as it is close
Correctly then this concludes the business successfully code.
The present invention is advantageous in that being changed to by hand that should be input into information and instruct in the operation on automatic teller machine keyboard
Machine or computer are input into advance, can so remove button flow of the user before automatic teller machine from, significantly shorten the operation of user
Time, every operating efficiency of teller is improve, be expected to save huge equipment expenditure for bank.Simultaneously as need not be
Automatic teller machine is input into bank card business dealing password, and the bank card and password of user can be avoided simultaneously stolen, serves and bank card is used
The protective effect at family.Additionally, for through commonly used account of transferring accounts, user it can be stored in the memorandum of mobile phone, it is necessary to
With then transaction interface is pasted by replicating the technological means pasted again, without being manually entered each account, can so subtract
Few account inputs probability by mistake, has greatly facilitated user.
Embodiment described above only express it is of the invention preferred embodiment its description is more specific and in detail, but
Therefore the limitation to the scope of the claims of the present invention can not be interpreted as.It should be pointed out that for the ordinary skill people of this area
For member, without departing from the inventive concept of the premise, various modifications and improvements can be made, these belong to of the invention
Protection domain.Therefore, the protection domain of patent of the present invention should be determined by the appended claims.
Claims (5)
1. a kind of method for processing business based on automatic teller machine, it is characterised in that including step：
Submitting the first service requesting information in addition to certification key, first service requesting information on mobile terminals includes
Type of transaction, transaction data and bank card information；
Submitting the second service requesting information, second service requesting information on automatic teller machine includes certification key and bank
Card information；
Automatic teller machine generates the 3rd complete business according to first service requesting information and the second service requesting information please
Seek information；
Automatic teller machine carries out accounting processing according to the 3rd service requesting information；
The specific method of first service requesting information submitted on mobile terminals in addition to certification key is：
First service requesting information is edited on the mobile terminal, and first industry is sent by sms platform
Business solicited message is to the automatic teller machine；
It is described that the 3rd complete service requesting information is generated according to first service requesting information and the second service requesting information
Specific method be：
Extract the bank card information in second service requesting information；
The first service requesting information that bank card information in retrieval and the second service requesting information extracted matches；
The first service requesting information and the second service requesting information that will be mutually matched are combined into complete the 3rd service request letter
Breath.
2. a kind of method for processing business based on automatic teller machine according to claim 1, it is characterised in that described to be based on
The method for processing business of automatic teller machine, also including step：
The automatic teller machine returns to accounting processing result to the mobile terminal by the sms platform.
3. a kind of transaction processing system based on automatic teller machine, it is characterised in that including：By the mobile subscriber of network connection
Terminal and automatic teller machine, the automatic teller machine include that preposition integration module, accounting processing module and user profile read
Module, the accounting processing module and user profile read module are connected with the preposition integration module, the mobile subscriber
Terminal is used for first service requesting information of the submission in addition to certification key, and first service requesting information includes transaction class
Type, transaction data and bank card information, it is close comprising bank card information and certification that the user profile read module is used for reading
Second service requesting information of key, the preposition integration module is used for first business of the reception from the mobile subscriber terminal please
Information and the second service requesting information from the user profile read module are asked, and is believed according to first service request
Breath and the second service requesting information are sent to the accounting processing module, the account after generating the 3rd complete service requesting information
The user of processing module of being engaged in carries out accounting processing according to the 3rd service requesting information.
4. a kind of transaction processing system based on automatic teller machine according to claim 3, it is characterised in that described preposition
Integration module also includes middle control module and connected Short Message Service Gateway module, the first receiver module, extraction module, retrieval analysis
Module, sending module and the second receiver module, the middle control module are used to be uniformly controlled whole preposition integration module
And management, the Short Message Service Gateway module by sms platform for receiving first business that the mobile terminal sends
Solicited message and the accounting processing result of the accounting processing module is returned into the mobile terminal, described first receives mould
Block is used to receive the second service requesting information of the user profile read module, and the extraction module is used to extract described second
Bank card information in service requesting information, the retrieval analysis module is used for retrieval analysis with the second service request extracted
The first service requesting information that bank card information in information matches, the first service requesting information that will be mutually matched and second
Service requesting information is combined into the 3rd complete service requesting information, and the sending module is used for the 3rd service request letter
Breath is sent to the accounting processing module, and second receiver module is used to receive the account that the accounting processing module is returned
Result.
5. a kind of transaction processing system based on automatic teller machine according to claim 4, it is characterised in that described preposition
Integration module also includes the timing judge module being connected with the middle control module and invalid module, and the timing judge module is used for
Start timing when first service requesting information is received, and judge whether in the scheduled duration after the timing starts
Receive second service requesting information, the invalid module is used for when not receiving described the in the scheduled duration
Invalid first service requesting information during two service requesting informations.
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| WO2017193291A1 (en) * | 2016-05-10 | 2017-11-16 | 深圳怡化电脑股份有限公司 | Service processing method and system for use in self-service apparatus |
| CN107070886A (en) * | 2017-03-07 | 2017-08-18 | 深圳怡化电脑股份有限公司 | A kind of finance business processing method and mobile terminal |
| CN107862601B (en) * | 2017-11-01 | 2021-11-30 | 深圳位置网科技有限公司 | Cash withdrawal method and system with automatic positioning alarm function |
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| CN101807319A (en) * | 2010-03-03 | 2010-08-18 | 交通银行股份有限公司 | Authentication method and system based on ATM |
| CN102201143A (en) * | 2011-04-08 | 2011-09-28 | 张应刚 | Bank card transaction system and method based on real-time interaction of short-message platform |
| CN103530957A (en) * | 2013-10-21 | 2014-01-22 | 深圳市怡化电脑有限公司 | Method and system for non-card withdrawal transaction through self-service money depositing and withdrawing equipment |
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| JP4752134B2 (en) * | 2001-05-24 | 2011-08-17 | 沖電気工業株式会社 | Other account processing system and method, program |
| JP4076954B2 (en) * | 2002-01-28 | 2008-04-16 | 富士通株式会社 | Transaction method and transaction system for executing the same |
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| CN101807319A (en) * | 2010-03-03 | 2010-08-18 | 交通银行股份有限公司 | Authentication method and system based on ATM |
| CN102201143A (en) * | 2011-04-08 | 2011-09-28 | 张应刚 | Bank card transaction system and method based on real-time interaction of short-message platform |
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