CN105225359A - Nothing based on Quick Response Code blocks withdraw the money method and finger print identifying server - Google Patents

Nothing based on Quick Response Code blocks withdraw the money method and finger print identifying server Download PDF

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Publication number
CN105225359A
CN105225359A CN201510587394.XA CN201510587394A CN105225359A CN 105225359 A CN105225359 A CN 105225359A CN 201510587394 A CN201510587394 A CN 201510587394A CN 105225359 A CN105225359 A CN 105225359A
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China
Prior art keywords
money
bank card
server
atm
withdrawing
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Granted
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CN201510587394.XA
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Chinese (zh)
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CN105225359B (en
Inventor
姬绍东
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China United Network Communications Group Co Ltd
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China United Network Communications Group Co Ltd
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Priority to CN201510587394.XA priority Critical patent/CN105225359B/en
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Publication of CN105225359B publication Critical patent/CN105225359B/en
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Abstract

The invention provides a kind of nothing based on Quick Response Code and block withdraw the money method and finger print identifying server, wherein, method comprises: the first fingerprint authentication request generated according to the Quick Response Code that ATM shows that receiving terminal sends, Quick Response Code is that Quick Response Code server generates according to the user fingerprints that ATM sends and returns to ATM, and the first fingerprint authentication request comprises user fingerprints, bank card account number information; Bank card server determines the fingerprint set corresponding with bank card account number information; Determine to there is user fingerprints in fingerprint set, return the fingerprint authentication result of user fingerprints coupling to terminal; Receive withdraw funds and password of withdrawing the money, bank card server verifies that the backward finger print identifying server of the correctness of password of withdrawing the money returns the message agreeing to withdraw the money; Tell paper money instruction according to the message agreeing to withdraw the money to ATM transmission, tell paper money to make ATM.The security of withdrawing the money without card based on Quick Response Code that improve, ensure that the proprietary fund security of bank card.

Description

Nothing based on Quick Response Code blocks withdraw the money method and finger print identifying server
Technical field
The present invention relates to two-dimensional code data treatment technology, particularly relate to a kind of nothing based on Quick Response Code and block withdraw the money method and finger print identifying server.
Background technology
Along with the development of society, in order to realize the convenience of withdrawing the money, be applied in more and more widely in the life of people without blocking the mode of withdrawing the money.
In prior art, the nothing based on Quick Response Code is adopted to block mode of withdrawing the money without blocking the mode of withdrawing the money.Terminal scanning ATM (automatic teller machine) (AutomaticTellerMachine, be called for short ATM) the upper Quick Response Code shown, then the 2 D code information scanned is sent to Quick Response Code server by terminal, 2 D code information includes the ownership bank information of ATM mark and ATM, the legitimacy of the ATM mark in Quick Response Code server authentication 2 D code information and the ownership bank information of ATM; Bank card information, withdraw funds and password of withdrawing the money are sent to bank card server by terminal, after the legitimacy of bank card server checking bank card information and password of withdrawing the money, tell paper money by Quick Response Code server instruction ATM.
But, have in technology now, once the bank card information of bank card and withdraw the money password reveal, so other people easily via existing based on Quick Response Code without card the mode of withdrawing the money carry out nothing block withdraw the money.Thus cause and to withdraw the money mode dangerous without card, the proprietary fund security of bank card cannot be ensured.
Summary of the invention
The invention provides a kind of nothing based on Quick Response Code and block withdraw the money method and finger print identifying server, of the prior art dangerous without blocking mode of withdrawing the money in order to solve, the problem of the proprietary fund security of bank card cannot be ensured.
An aspect of of the present present invention is to provide a kind of nothing based on Quick Response Code and blocks method of withdrawing the money, and comprising:
The the first fingerprint authentication request generated according to the Quick Response Code that ATM shows that finger print identifying server receiving terminal sends, wherein, described Quick Response Code is that Quick Response Code server generates according to the user fingerprints that described ATM sends and returns to described ATM, and described first fingerprint authentication request comprises described user fingerprints, bank card account number information;
Described finger print identifying server sends the second fingerprint authentication request of carrying described bank card account number information to bank card server, determine the fingerprint set corresponding with described bank card account number information to make described bank card server;
Described finger print identifying server receives the described fingerprint set that described bank card server returns, determine whether there is described user fingerprints in described fingerprint set, if exist, then described finger print identifying server returns the fingerprint authentication result of user fingerprints coupling to described terminal;
Described finger print identifying server receives the withdraw funds that described terminal sends according to the fingerprint authentication result that described user fingerprints mates, and receive the password of withdrawing the money of described ATM transmission, wherein, described password of withdrawing the money is that described user is input in described ATM, send described bank card account number information, described withdraw funds and described password of withdrawing the money to described bank card server, return to make described bank card server the message agreeing to withdraw the money to described finger print identifying server;
The message that described finger print identifying server is withdrawn the money according to described agreement tells paper money instruction to described ATM transmission, tells paper money to make described ATM.
Another aspect of the present invention is to provide a kind of finger print identifying server, comprising:
Request receiving module, for the first fingerprint authentication request generated according to the Quick Response Code that ATM shows that receiving terminal sends, wherein, described Quick Response Code is that Quick Response Code server generates according to the user fingerprints that described ATM sends and returns to described ATM, and described first fingerprint authentication request comprises described user fingerprints, bank card account number information;
Request sending module, for sending the second fingerprint authentication request of carrying described bank card account number information to bank card server, determines the fingerprint set corresponding with described bank card account number information to make described bank card server;
Judge module, for receiving the described fingerprint set that described bank card server returns, determine whether there is described user fingerprints in described fingerprint set, if exist, then described finger print identifying server returns the fingerprint authentication result of user fingerprints coupling to described terminal;
To withdraw the money module, for receiving the withdraw funds that described terminal sends according to the fingerprint authentication result that described user fingerprints mates, and receive the password of withdrawing the money of described ATM transmission, wherein, described password of withdrawing the money is that described user is input in described ATM, send described bank card account number information, described withdraw funds and described password of withdrawing the money to described bank card server, return to make described bank card server the message agreeing to withdraw the money to described finger print identifying server;
Instruction sending module, tells paper money instruction for the message of withdrawing the money according to described agreement to described ATM transmission, tells paper money to make described ATM.
Technique effect of the present invention is: the first fingerprint authentication request generated according to the Quick Response Code that ATM shows that finger print identifying server receiving terminal sends, wherein, Quick Response Code is that Quick Response Code server generates according to the user fingerprints that ATM sends and returns to ATM, and the first fingerprint authentication request comprises user fingerprints, bank card account number information; Finger print identifying server sends the second fingerprint authentication request of carrying bank card account number information to bank card server, determine the fingerprint set corresponding with bank card account number information to make bank card server; Finger print identifying server receives the fingerprint set that bank card server returns, and determines whether there is user fingerprints in fingerprint set, if exist, then finger print identifying server returns the fingerprint authentication result of user fingerprints coupling to terminal; The withdraw funds that the fingerprint authentication result that finger print identifying server receiving terminal mates according to user fingerprints sends, and receive the password of withdrawing the money of ATM transmission, wherein, password of withdrawing the money is that user is input in ATM, send bank card account number information, withdraw funds and password of withdrawing the money to bank card server, return to make bank card server the message agreeing to withdraw the money to finger print identifying server; Finger print identifying server tells paper money instruction according to the message agreeing to withdraw the money to ATM transmission, tells paper money to make ATM.Achieve the fingerprint that checking uses the user of bank card, when bank card server confirms that the fingerprint set corresponding with bank card account number information comprises this user fingerprints, verify password of withdrawing the money again, then bank card server makes finger print identifying server indicate ATM to tell paper money according to withdraw funds, what improve carries out, without blocking the security of withdrawing the money, ensure that the proprietary fund security of bank card based on Quick Response Code.
Accompanying drawing explanation
The process flow diagram of the method for withdrawing the money without card based on Quick Response Code that Fig. 1 provides for the embodiment of the present invention one;
The process flow diagram of the method for withdrawing the money without card based on Quick Response Code that Fig. 2 provides for the embodiment of the present invention two;
The structural representation of the finger print identifying server that Fig. 3 provides for the embodiment of the present invention three;
The structural representation of the finger print identifying server that Fig. 4 provides for the embodiment of the present invention four.
Embodiment
For making the object of the embodiment of the present invention, technical scheme and advantage clearly, below in conjunction with the accompanying drawing in the embodiment of the present invention, technical scheme in the embodiment of the present invention is clearly and completely described, obviously, described embodiment is the present invention's part embodiment, instead of whole embodiments.Based on the embodiment in the present invention, those of ordinary skill in the art, not making the every other embodiment obtained under creative work prerequisite, belong to the scope of protection of the invention.
The process flow diagram of the method for withdrawing the money without card based on Quick Response Code that Fig. 1 provides for the embodiment of the present invention one, as shown in Figure 1, the nothing based on Quick Response Code that the present embodiment provides blocks method of withdrawing the money, and comprising:
The the first fingerprint authentication request generated according to the Quick Response Code that ATM shows that step 101, finger print identifying server receiving terminal send, wherein, Quick Response Code is that Quick Response Code server generates according to the user fingerprints that ATM sends and returns to ATM, and the first fingerprint authentication request comprises user fingerprints, bank card account number information.
In the present embodiment, concrete, in user withdraws the money in ATM, select without blocking business of withdrawing the money, now ATM prompting user inputs fingerprint in ATM, thus ATM can obtain the user fingerprints of user's input.User fingerprints is processed into the form of 18 fingerprint character codes by ATM; The user fingerprints of 18 fingerprint character code forms, ATM mark and ATM ownership bank information are sent to Quick Response Code server by ATM.The user fingerprints, the ATM that receive 18 fingerprint character code forms, according to Quick Response Code rapid reaction (QuickResponse is called for short QR) coding standard, identify and ATM ownership bank information, are processed into Quick Response Code by Quick Response Code server; The Quick Response Code of production pushes on the interface of ATM by Quick Response Code server, ATM prompting scanning input Quick Response Code.
Terminal is provided with without blocking the application program (Application that withdraws the money, be called for short APP), the Quick Response Code of terminal by APP scan A TM machine of withdrawing the money without card shows, then the Quick Response Code that scans of terminal parses, terminal can get the user fingerprints of 18 fingerprint character code forms in Quick Response Code, ATM mark and ATM ownership bank information.
ATM mark in Quick Response Code and ATM ownership bank information can be sent to Quick Response Code server by terminal, make the legitimacy of Quick Response Code server authentication ATM mark and ATM ownership bank information, terminal receives the legal message of Quick Response Code server authentication ATM mark and ATM ownership bank information.
Now, the nothing in terminal is blocked the APP that withdraws the money and is jumped on bank card interface, because the APP that withdraws the money without card binds with at least one bank card, bank card can belong to different banks, user selects any bank card as the current bank card carrying out withdrawing the money, user inputs bank card account number information on the bank card interface of terminal demonstration, thus the bank card account number information of the user fingerprints of 18 fingerprint character code forms and user's input can be sent to finger print identifying server as the first fingerprint authentication request by terminal, ATM mark in Quick Response Code and ATM ownership bank information are also sent to finger print identifying server by terminal simultaneously.
Step 102, finger print identifying server send the second fingerprint authentication request of carrying bank card account number information to bank card server, determine the fingerprint set corresponding with bank card account number information to make bank card server.
In the present embodiment, concrete, finger print identifying server is to bank card server according to bank card account number information, and the bank card server to bank card sends the second fingerprint authentication request, and the second fingerprint authentication request includes bank card account number information.
The fingerprint set having prestored corresponding with bank card account number information in bank card server, the fingerprint of multiple 18 fingerprint character code forms is included in fingerprint set, fingerprint in fingerprint set can belong to everyone of bank card, also can belong to bank card everyone authorize can remittee.Bank card server is after receiving the second fingerprint authentication request of carrying bank card account number information, search the fingerprint set corresponding with this bank card account number information, then the fingerprint set corresponding with this bank card account number information is returned to finger print identifying server by bank card server.
Step 103, finger print identifying server receive the fingerprint set that bank card server returns, and determine whether there is user fingerprints in fingerprint set, if exist, then finger print identifying server returns the fingerprint authentication result of user fingerprints coupling to terminal.
In the present embodiment, concrete, finger print identifying server receives bank card server and returns the fingerprint set corresponding with bank card account number information, whether deposit the user fingerprints of 18 the fingerprint character code forms received in a step 101 in the set of finger print identifying whois lookup fingerprint, only need to determine that the user fingerprints of 18 fingerprint character code forms is consistent with one piece of fingerprint in fingerprint set.
Finger print identifying server is after determining in fingerprint set the user fingerprints depositing 18 the fingerprint character code forms received in a step 101, and finger print identifying server sends the fingerprint authentication result of user fingerprints coupling to terminal.
If finger print identifying server does not deposit the user fingerprints of 18 the fingerprint character code forms received in a step 101 determining in fingerprint set, then finger print identifying server sends the unmatched fingerprint authentication result of user fingerprints to terminal; Thus, user is pointed out to cancel withdrawing the money business without card of this without the card APP that withdraws the money in terminal, the user fingerprints of the fingerprint character code form of 18 in Quick Response Code, ATM mark and ATM ownership bank information are sent to Quick Response Code server by terminal, Quick Response Code sends the message of closing Quick Response Code to identifying corresponding ATM with ATM, and ATM terminates this without blocking operation of withdrawing the money.
The withdraw funds that the fingerprint authentication result that step 104, finger print identifying server receiving terminal mate according to user fingerprints sends, and receive the password of withdrawing the money of ATM transmission, wherein, password of withdrawing the money is that user is input in ATM, send bank card account number information, withdraw funds and password of withdrawing the money to bank card server, return to make bank card server the message agreeing to withdraw the money to finger print identifying server.
In the present embodiment, concrete, the fingerprint authentication result of the user fingerprints coupling that in terminal receiving step 103, fingerprint certificate server returns, jumping to select the interface of withdraw funds without the card APP that withdraws the money in terminal, terminal goes out bank information belonging to the account of bank card and bank card according to the bank card account number information displaying of user's input in step 101.User inputs withdraw funds in the interface of the selection withdraw funds of terminal demonstration, within the scope of withdraw funds that wherein withdraw funds limits in existing ATM.Withdraw funds is sent to finger print identifying server by terminal.
Meanwhile, the bank card account number information received in step 102 sends to and identifies corresponding ATM with ATM by finger print identifying server, and make ATM demonstrate the interface inputting password of withdrawing the money, user inputs password of withdrawing the money in ATM.ATM password of withdrawing the money sends to finger print identifying server.
The bank card account number information received in the withdraw funds received and withdraw the money password and step 102 sends by finger print identifying server, gives the bank card server corresponding with bank card account number information.After the bank card server corresponding with bank card account number information verifies the correctness of password of withdrawing the money, send to finger print identifying server the message that the agreement that includes withdraw funds withdraws the money.
Step 105, finger print identifying server tell paper money instruction according to the message agreeing to withdraw the money to ATM transmission, tell paper money to make ATM.
In the present embodiment, concrete, the message that finger print identifying server is withdrawn the money according to the agreement received in step 104, send the paper money of telling including withdraw funds indicate to identifying corresponding ATM with ATM, ATM carries out telling paper money according to withdraw funds, then user takes the banknote spued away, and ATM completes this without blocking operation of withdrawing the money.
The present embodiment receives the user fingerprints of user's input by ATM, the user fingerprints that Quick Response Code server sends according to ATM generates Quick Response Code and Quick Response Code is sent to ATM, the nothing of terminal blocks the Quick Response Code that APP scan A TM machine of withdrawing the money shows, terminal generates the first fingerprint authentication request according to Quick Response Code, and the first fingerprint authentication request comprises user fingerprints, bank card account number information; The first fingerprint authentication request that finger print identifying server receiving terminal sends, and the second fingerprint authentication request of carrying bank card account number information is sent to bank card server, bank card server returns the fingerprint set corresponding with bank card account number information to finger print identifying server; Whether there is user fingerprints in the set of finger print identifying server determination fingerprint, if exist, then finger print identifying server returns the fingerprint authentication result of user fingerprints coupling to terminal; The fingerprint authentication result that user is mated according to user fingerprints inputs withdraw funds in the terminal, and password of withdrawing the money is inputted in ATM, finger print identifying server receives withdraw funds and password of withdrawing the money, when password of withdrawing the money is correct, finger print identifying server instruction ATM carries out telling paper money according to withdraw funds.Achieve the fingerprint that checking uses the user of bank card, when bank card server confirms that the fingerprint set corresponding with bank card account number information comprises this user fingerprints, verify password of withdrawing the money again, then bank card server makes finger print identifying server indicate ATM to tell paper money according to withdraw funds, improve and carry out, without blocking the security of withdrawing the money, ensure that the proprietary fund security of bank card based on Quick Response Code.Simultaneously, can bind with multi-bank without blocking the APP that withdraws the money in terminal, after the Quick Response Code that terminal scanning ATM shows, user can select the bank card belonging to bank different from ATM to withdraw the money in terminal, is convenient to user and in the ATM of bank of any family, carries out nothing card to withdraw the money operation.
The process flow diagram of the method for withdrawing the money without card based on Quick Response Code that Fig. 2 provides for the embodiment of the present invention two, on the basis of embodiment one as shown in Figure 1, as shown in Figure 2, the nothing card based on Quick Response Code that the present embodiment provides is withdrawn the money in method, and the step 104 of embodiment one comprises:
The withdraw funds that the fingerprint authentication result that step 1041, finger print identifying server receiving terminal mate according to user fingerprints sends.
In the present embodiment, concrete, the fingerprint authentication result of the user fingerprints coupling that in terminal receiving step 103, fingerprint certificate server returns.Nothing in terminal is blocked the APP that withdraws the money and is jumped to the interface selecting withdraw funds, terminal goes out bank information belonging to the account of bank card and bank card according to the bank card account number information displaying of user's input in step 101, thus user inputs withdraw funds on the APP that withdraws the money without card of terminal.Bank information belonging to withdraw funds, bank card account number information, bank card is all issued finger print identifying server by terminal, and has saved ATM mark and ATM ownership bank information in finger print identifying server.
Step 1042, finger print identifying server send withdraw funds and bank card account number information to bank card server, generate the message of remaining sum abundance to make bank card server and by finger print identifying server, the message of remaining sum abundance are returned to terminal according to the remaining sum in bank card account number information and withdraw funds.
In the present embodiment, concrete, finger print identifying server bank information belonging to bank card, by bank card account number information and withdraw funds, sends to the bank card server belonging to bank card, in bank card server, apply for withdrawing the money operation.Remaining sum in bank card server inquiry bank card account number information, whether sufficient according to the remaining sum in withdraw funds determination bank card account number information, if sufficient, then bank card server generates the message of remaining sum abundance; Bank card server is by the message of remaining sum abundance and by finger print identifying server, the message of remaining sum abundance is returned to terminal; As inadequate, then bank card server generates the insufficient message of remaining sum; Bank card server is by the message of remaining sum abundance and by finger print identifying server, insufficient for remaining sum message is returned to terminal.Terminal notifying user selects other bank card, or prompting user terminates this without blocking business of withdrawing the money, the business if user's this nothing card of selection end in the APP that withdraws the money without card of terminal is withdrawn the money, then the ATM mark in Quick Response Code and ATM ownership bank information are sent to Quick Response Code server by terminal, Quick Response Code sends the message of closing Quick Response Code to identifying corresponding ATM with ATM, and ATM terminates this without blocking operation of withdrawing the money.
Step 1043, finger print identifying server generate first according to user fingerprints and withdraw funds and to withdraw the money identifying code, and receive that ATM sends second withdraws the money identifying code, wherein, second withdraws the money, and to be user be input in ATM according to the terminal shows the 3rd identifying code of withdrawing the money identifying code, and the 3rd identifying code of withdrawing the money is that terminal generates according to withdraw funds and user fingerprints after the message receiving remaining sum abundance.
In the present embodiment, concrete, after in step 1042, bank card server determines the message of remaining sum abundance, bank card server can freeze withdraw funds.Finger print identifying server can receive the message of the remaining sum abundance that bank card server returns, finger print identifying server adopts Message Digest Algorithm 5 (MessageDigestAlgorithmMD5, be called for short MD5) computing is carried out to the withdraw funds received in the user fingerprints of 18 fingerprint character code forms and step 1041, obtain the hexadecimal string of 16 bit lengths, to withdraw the money identifying code as first for latter six that intercept character string.
Simultaneously, because terminal receives the message of the remaining sum abundance that bank card server is sent by finger print identifying server, nothing in terminal blocks the prompting that the APP that withdraws the money can show " please withdrawing the money in ATM ", after user clicks and determines on the APP that withdraws the money without card of terminal, nothing in terminal is blocked the APP that withdraws the money and MD5 algorithm can be adopted the user fingerprints of the fingerprint character code form of 18 in Quick Response Code, and the withdraw funds that in step 1041, user inputs in the APP that withdraws the money without card of terminal carries out computing, thus obtain the hexadecimal string of 16 bit lengths, to withdraw the money identifying code as the 3rd for latter six that intercept this character string, withdrawing the money identifying code without card APP display the 3rd of withdrawing the money of terminal.
Because finger print identifying server have received the message of the remaining sum abundance that bank card server sends in step 1042, thus bank information, withdraw funds belonging to bank card account number information, bank card all can send to and identify corresponding ATM with ATM according to ATM mark by finger print identifying server, ATM demonstrates the interface showing bank information, withdraw funds belonging to bank card account number information, bank card, and the user of ATM prompting simultaneously inputs identifying code of withdrawing the money.User according to terminal withdraw the money without card APP demonstrate the 3rd to withdraw the money identifying code, and the prompting of identifying code of withdrawing the money according to the prompting user input of ATM, identifying code of withdrawing the money the 3rd is input in ATM, the 3rd identifying code of withdrawing the money that the user received inputs by ATM to be withdrawn the money identifying code as second, and then ATM identifying code of withdrawing the money second sends to finger print identifying server.If now, user clicks and withdraws the money this without blocking business of withdrawing the money in the APP that withdraws the money without card of terminal, then the ATM mark in Quick Response Code and ATM ownership bank information can be sent to Quick Response Code server by terminal, Quick Response Code sends the message of closing Quick Response Code to identifying corresponding ATM with ATM, and ATM terminates this without blocking operation of withdrawing the money.
Whether step 1044, finger print identifying server authentication first identifying code and second identifying code of withdrawing the money of withdrawing the money is consistent, if unanimously, then sends the consistent message of identifying code to ATM, and performs step 1045.
In the present embodiment, concrete, whether finger print identifying server authentication first identifying code and receive second identifying code of withdrawing the money of withdrawing the money is consistent, if unanimously, then finger print identifying server sends the consistent message of identifying code to ATM; If inconsistent, then finger print identifying server sends the inconsistent message of identifying code to ATM, and ATM prompting user re-enters second and to withdraw the money identifying code.
Step 1045, finger print identifying server receive the password of withdrawing the money that ATM sends, and wherein, password of withdrawing the money is that user is input in ATM according to the message of the remaining sum abundance that terminal shows.
In the present embodiment, concrete, because ATM can demonstrate the interface showing bank information, withdraw funds belonging to bank card account number information, bank card, after ATM receives the consistent message of identifying code that finger print identifying server sends, ATM prompting user input is withdrawn the money password.Simultaneously because the nothing of terminal blocks the message showing remaining sum abundance in the APP that withdraws the money, then user can input the prompting of password of withdrawing the money according to the prompting user of ATM, ATM inputs password of withdrawing the money, and the password of withdrawing the money that user inputs by ATM sends to finger print identifying server.
Bank card account number information and password of withdrawing the money are sent to bank card server by step 1046, finger print identifying server, return the message agreeing to withdraw the money to make bank card server according to the password corresponding with bank card account number information prestored and password of withdrawing the money to finger print identifying server.
In the present embodiment, concrete, the password of withdrawing the money received in bank card account number information and step 1045 all to be sent to the bank card server belonging to bank card according to bank card account number information by finger print identifying server, saves the password corresponding with bank card account number information in advance in bank card server.Withdraw the money password and the password corresponding with bank card account number information are compared by bank card server, when password is consistent, bank card server returns the message agreeing to withdraw the money to finger print identifying server, thus the message that finger print identifying server can be withdrawn the money according to this agreement tells paper money instruction to ATM transmission, makes ATM carry out telling paper money according to withdraw funds; If password is inconsistent, then bank card server returns the message not agreeing to withdraw the money to finger print identifying server, and finger print identifying server sends the message of password bad to ATM, and ATM prompting user re-enters password of withdrawing the money.
The present embodiment passes through after bank card server confirms that the fingerprint set corresponding with bank card account number information comprises this user fingerprints, and whether the remaining sum in bank card server checking bank card account number information is sufficient, finger print identifying server generates first according to user fingerprints and withdraw funds and to withdraw the money identifying code, terminal also generates an identifying code of withdrawing the money according to withdraw funds and user fingerprints simultaneously, the identifying code of withdrawing the money that terminal shows is input in ATM by user, the identifying code of withdrawing the money received is sent to finger print identifying server as the second identifying code of withdrawing the money by ATM, finger print identifying server authentication first identifying code and second of withdrawing the money is withdrawn the money the consistance of identifying code, when identifying code is consistent, the password of withdrawing the money that ATM sends is sent to bank card server by finger print identifying server again, bank card server verifies that whether password of withdrawing the money is correct, when password of withdrawing the money is correct, the message that the agreement that finger print identifying server reception bank card server returns is withdrawn the money, finger print identifying server instruction ATM carries out telling paper money according to withdraw funds.Thus when achieving authentication of users fingerprint to ensure to withdraw the money safe, in the withdraw funds receive finger print identifying server again finger print identifying server and user fingerprints and terminal, the consistance of withdraw funds and user fingerprints is verified again, prevent user fingerprints, situation that withdraw funds is tampered in transmittance process carried out telling paper money, further ensure that without blocking the security of withdrawing the money, ensure that the proprietary fund security of bank card.Remaining sum in bank card account number information is inquired about simultaneously, ensure that user can withdraw the money according to withdraw funds, the simultaneous verification correctness of password of withdrawing the money.Simultaneously, can bind with multi-bank without blocking the APP that withdraws the money in terminal, after the Quick Response Code that terminal scanning ATM shows, user can select the bank card belonging to bank different from ATM to withdraw the money in terminal, is convenient to user and in the ATM of bank of any family, carries out nothing card to withdraw the money operation.
Further, on the basis of above-described embodiment, after step 105, also comprise:
Finger print identifying server receives the withdrawal information that ATM sends, and withdrawal information comprises withdraw funds, ATM mark, time of withdrawing the money, note output mark;
Withdrawal information is sent to bank card server by finger print identifying server, preserves withdrawal information to make bank card server.
In the present embodiment, concrete, ATM is after telling paper money according to withdraw funds, withdraw funds, ATM mark, ATM ownership bank information, time of withdrawing the money, note output mark, bank information belonging to serial number of withdrawing the money, bank card account number information and bank card are sent to finger print identifying server as withdrawal information, and then withdrawal information to be sent to bank card server belonging to bank card according to bank card account number information by finger print identifying server.The state of the withdraw funds freezed in bank card account number information, after receiving withdrawal information, changes into " note output " by bank card server, and bank card server preserves withdrawal information in order to reconciliation use simultaneously.
The structural representation of the finger print identifying server that Fig. 3 provides for the embodiment of the present invention three, as shown in Figure 3, the finger print identifying server that the present embodiment provides, comprising:
Request receiving module 31, for the first fingerprint authentication request generated according to the Quick Response Code that ATM shows that receiving terminal sends, wherein, Quick Response Code is that Quick Response Code server generates according to the user fingerprints that ATM sends and returns to ATM, and the first fingerprint authentication request comprises user fingerprints, bank card account number information;
Request sending module 32, for sending the second fingerprint authentication request of carrying bank card account number information to bank card server, determines the fingerprint set corresponding with bank card account number information to make bank card server;
Judge module 33, for receiving the fingerprint set that bank card server returns, determines whether there is user fingerprints in fingerprint set, if exist, then finger print identifying server returns the fingerprint authentication result of user fingerprints coupling to terminal;
To withdraw the money module 34, for the withdraw funds that receiving terminal sends according to the fingerprint authentication result that user fingerprints mates, and receive the password of withdrawing the money of ATM transmission, wherein, password of withdrawing the money is that user is input in ATM, send bank card account number information, withdraw funds and password of withdrawing the money to bank card server, return to make bank card server the message agreeing to withdraw the money to finger print identifying server;
Instruction sending module 35, for telling paper money instruction according to the message agreeing to withdraw the money to ATM transmission, tells paper money to make ATM.
The nothing based on Quick Response Code that the finger print identifying server of the present embodiment can perform the embodiment of the present invention one to be provided blocks method of withdrawing the money, and it is similar that it realizes principle, repeats no more herein.
The present embodiment receives the user fingerprints of user's input by ATM, the user fingerprints that Quick Response Code server sends according to ATM generates Quick Response Code and Quick Response Code is sent to ATM, the nothing of terminal blocks the Quick Response Code that APP scan A TM machine of withdrawing the money shows, terminal generates the first fingerprint authentication request according to Quick Response Code, and the first fingerprint authentication request comprises user fingerprints, bank card account number information; The first fingerprint authentication request that finger print identifying server receiving terminal sends, and the second fingerprint authentication request of carrying bank card account number information is sent to bank card server, bank card server returns the fingerprint set corresponding with bank card account number information to finger print identifying server; Whether there is user fingerprints in the set of finger print identifying server determination fingerprint, if exist, then finger print identifying server returns the fingerprint authentication result of user fingerprints coupling to terminal; The fingerprint authentication result that user is mated according to user fingerprints inputs withdraw funds in the terminal, and password of withdrawing the money is inputted in ATM, finger print identifying server receives withdraw funds and password of withdrawing the money, when password of withdrawing the money is correct, finger print identifying server instruction ATM carries out telling paper money according to withdraw funds.Achieve the fingerprint that checking uses the user of bank card, when bank card server confirms that the fingerprint set corresponding with bank card account number information comprises this user fingerprints, verify password of withdrawing the money again, then bank card server makes finger print identifying server indicate ATM to tell paper money according to withdraw funds, improve and carry out, without blocking the security of withdrawing the money, ensure that the proprietary fund security of bank card based on Quick Response Code.Simultaneously, can bind with multi-bank without blocking the APP that withdraws the money in terminal, after the Quick Response Code that terminal scanning ATM shows, user can select the bank card belonging to bank different from ATM to withdraw the money in terminal, is convenient to user and in the ATM of bank of any family, carries out nothing card to withdraw the money operation.
The structural representation of the finger print identifying server that Fig. 4 provides for the embodiment of the present invention four, on above-mentioned basis embodiment illustrated in fig. 3, as shown in Figure 4, module 34 of withdrawing the money, comprising:
Withdraw funds receives submodule 341, for the withdraw funds that receiving terminal sends according to the fingerprint authentication result that user fingerprints mates;
Withdraw funds sends submodule 342, for sending withdraw funds and bank card account number information to bank card server, generating the message of remaining sum abundance to make bank card server according to the remaining sum in bank card account number information and withdraw funds and by finger print identifying server, the message of remaining sum abundance being returned to terminal;
Identifying code generates submodule 343, for at withdraw funds submodule 342 to after bank card server sends withdraw funds and bank card account number information, generate first according to user fingerprints and withdraw funds to withdraw the money identifying code, and receive that ATM sends second withdraws the money identifying code, wherein, second withdraws the money, and to be user be input in ATM according to the terminal shows the 3rd identifying code of withdrawing the money identifying code, and the 3rd identifying code of withdrawing the money is that terminal generates according to withdraw funds and user fingerprints after the message receiving remaining sum abundance;
Checking submodule 344, whether consistent for verifying the first identifying code and second identifying code of withdrawing the money of withdrawing the money, if consistent, send the consistent message of identifying code to ATM, and then perform the step that module of withdrawing the money receives the password of withdrawing the money that the reception ATM in submodule 345 sends.
Module of withdrawing the money receives submodule 345, and for receiving the password of withdrawing the money that ATM sends, wherein, password of withdrawing the money is that user is input in ATM according to the message of the remaining sum abundance that terminal shows;
Password of withdrawing the money sends submodule 346, for bank card account number information and password of withdrawing the money are sent to bank card server, return according to the password corresponding with bank card account number information prestored and password of withdrawing the money the message agreeing to withdraw the money to make bank card server to finger print identifying server.
Finger print identifying server, also comprises:
Withdrawal information receiver module 36, for telling paper money instruction according to the message agreeing to withdraw the money to ATM transmission at instruction sending module 35, to make after ATM tells paper money, receive the withdrawal information that ATM sends, withdrawal information comprises withdraw funds, ATM mark, time of withdrawing the money, note output mark;
Withdrawal information sending module 37, for withdrawal information is sent to bank card server, preserves withdrawal information to make bank card server.
To withdraw the money method without card based on Quick Response Code that the finger print identifying server of the present embodiment can perform that the embodiment of the present invention two and above-mentioned embodiment provide, it is similar that it realizes principle, repeats no more herein.
The present embodiment passes through after bank card server confirms that the fingerprint set corresponding with bank card account number information comprises this user fingerprints, and whether the remaining sum in bank card server checking bank card account number information is sufficient, finger print identifying server generates first according to user fingerprints and withdraw funds and to withdraw the money identifying code, terminal also generates an identifying code of withdrawing the money according to withdraw funds and user fingerprints simultaneously, the identifying code of withdrawing the money that terminal shows is input in ATM by user, the identifying code of withdrawing the money received is sent to finger print identifying server as the second identifying code of withdrawing the money by ATM, finger print identifying server authentication first identifying code and second of withdrawing the money is withdrawn the money the consistance of identifying code, when identifying code is consistent, the password of withdrawing the money that ATM sends is sent to bank card server by finger print identifying server again, bank card server verifies that whether password of withdrawing the money is correct, when password of withdrawing the money is correct, the message that the agreement that finger print identifying server reception bank card server returns is withdrawn the money, finger print identifying server instruction ATM carries out telling paper money according to withdraw funds.Thus when achieving authentication of users fingerprint to ensure to withdraw the money safe, in the withdraw funds receive finger print identifying server again finger print identifying server and user fingerprints and terminal, the consistance of withdraw funds and user fingerprints is verified again, prevent user fingerprints, situation that withdraw funds is tampered in transmittance process carried out telling paper money, further ensure that without blocking the security of withdrawing the money, ensure that the proprietary fund security of bank card.Remaining sum in bank card account number information is inquired about simultaneously, ensure that user can withdraw the money according to withdraw funds, the simultaneous verification correctness of password of withdrawing the money.Simultaneously, can bind with multi-bank without blocking the APP that withdraws the money in terminal, after the Quick Response Code that terminal scanning ATM shows, user can select the bank card belonging to bank different from ATM to withdraw the money in terminal, is convenient to user and in the ATM of bank of any family, carries out nothing card to withdraw the money operation.
One of ordinary skill in the art will appreciate that: all or part of step realizing above-mentioned each embodiment of the method can have been come by the hardware that programmed instruction is relevant.Aforesaid program can be stored in a computer read/write memory medium.This program, when performing, performs the step comprising above-mentioned each embodiment of the method; And aforesaid storage medium comprises: ROM, RAM, magnetic disc or CD etc. various can be program code stored medium.
Last it is noted that above embodiment is only in order to illustrate technical scheme of the present invention, be not intended to limit; Although with reference to previous embodiment to invention has been detailed description, those of ordinary skill in the art is to be understood that: it still can be modified to the technical scheme described in foregoing embodiments, or carries out equivalent replacement to wherein portion of techniques feature; And these amendments or replacement, do not make the essence of appropriate technical solution depart from the spirit and scope of various embodiments of the present invention technical scheme.

Claims (8)

1. the nothing based on Quick Response Code blocks a method of withdrawing the money, and it is characterized in that, comprising:
The the first fingerprint authentication request generated according to the Quick Response Code that ATM (automatic teller machine) ATM shows that finger print identifying server receiving terminal sends, wherein, described Quick Response Code is that Quick Response Code server generates according to the user fingerprints that described ATM sends and returns to described ATM, and described first fingerprint authentication request comprises described user fingerprints, bank card account number information;
Described finger print identifying server sends the second fingerprint authentication request of carrying described bank card account number information to bank card server, determine the fingerprint set corresponding with described bank card account number information to make described bank card server;
Described finger print identifying server receives the described fingerprint set that described bank card server returns, determine whether there is described user fingerprints in described fingerprint set, if exist, then described finger print identifying server returns the fingerprint authentication result of user fingerprints coupling to described terminal;
Described finger print identifying server receives the withdraw funds that described terminal sends according to the fingerprint authentication result that described user fingerprints mates, and receive the password of withdrawing the money of described ATM transmission, wherein, described password of withdrawing the money is that described user is input in described ATM, send described bank card account number information, described withdraw funds and described password of withdrawing the money to described bank card server, return to make described bank card server the message agreeing to withdraw the money to described finger print identifying server;
The message that described finger print identifying server is withdrawn the money according to described agreement tells paper money instruction to described ATM transmission, tells paper money to make described ATM.
2. method according to claim 1, it is characterized in that, described finger print identifying server receives the withdraw funds that described terminal sends according to the fingerprint authentication result that described user fingerprints mates, and receive the password of withdrawing the money of described ATM transmission, wherein, described password of withdrawing the money is that described user is input in described ATM, described bank card account number information, described withdraw funds and described password of withdrawing the money is sent to described bank card server, to make described bank card server return the message agreeing to withdraw the money to described finger print identifying server, comprising:
Described finger print identifying server receives the described withdraw funds that described terminal sends according to the fingerprint authentication result that described user fingerprints mates;
Described finger print identifying server sends described withdraw funds and described bank card account number information to described bank card server, generates the message of remaining sum abundance to make described bank card server and by described finger print identifying server, the message of described remaining sum abundance is returned to described terminal according to the remaining sum in described bank card account number information and described withdraw funds;
Described finger print identifying server receive described ATM send described in withdraw the money password, wherein, described in password of withdrawing the money be that described user is input in described ATM according to the message of the described remaining sum abundance that described terminal shows;
Described bank card account number information and described password of withdrawing the money are sent to described bank card server by described finger print identifying server, return the message agreeing to withdraw the money to make described bank card server according to the password corresponding with described bank card account number information prestored and described password of withdrawing the money to described finger print identifying server.
3. method according to claim 2, it is characterized in that, described withdraw funds and described bank card account number information is sent to described bank card server at described finger print identifying server, generate the message of remaining sum abundance to make described bank card server according to the remaining sum in described bank card account number information and described withdraw funds and after by described finger print identifying server the message of described remaining sum abundance being returned to described terminal, also comprise:
Described finger print identifying server generates first according to described user fingerprints and described withdraw funds and to withdraw the money identifying code, and receive that described ATM sends second withdraws the money identifying code, wherein, described second withdraws the money, and to be described user be input in described ATM according to the described terminal shows the 3rd identifying code of withdrawing the money identifying code, and the described 3rd identifying code of withdrawing the money is that described terminal generates according to described withdraw funds and described user fingerprints after the message receiving described remaining sum abundance;
Described in described finger print identifying server authentication, whether the first identifying code and described second identifying code of withdrawing the money of withdrawing the money is consistent, if consistent, then send the consistent message of identifying code to described ATM, and perform described finger print identifying server receive described ATM send described in withdraw the money the step of password.
4. according to the arbitrary described method of claim 1-3, it is characterized in that, the message of withdrawing the money according to described agreement at described finger print identifying server sends to described ATM and tells paper money instruction, to make after described ATM tells paper money, also to comprise:
Described finger print identifying server receives the withdrawal information that described ATM sends, and described withdrawal information comprises described withdraw funds, ATM mark, time of withdrawing the money, note output mark;
Described withdrawal information is sent to described bank card server by described finger print identifying server, preserves described withdrawal information to make described bank card server.
5. a finger print identifying server, is characterized in that, comprising:
Request receiving module, for the first fingerprint authentication request generated according to the Quick Response Code that ATM shows that receiving terminal sends, wherein, described Quick Response Code is that Quick Response Code server generates according to the user fingerprints that described ATM sends and returns to described ATM, and described first fingerprint authentication request comprises described user fingerprints, bank card account number information;
Request sending module, for sending the second fingerprint authentication request of carrying described bank card account number information to bank card server, determines the fingerprint set corresponding with described bank card account number information to make described bank card server;
Judge module, for receiving the described fingerprint set that described bank card server returns, determine whether there is described user fingerprints in described fingerprint set, if exist, then described finger print identifying server returns the fingerprint authentication result of user fingerprints coupling to described terminal;
To withdraw the money module, for receiving the withdraw funds that described terminal sends according to the fingerprint authentication result that described user fingerprints mates, and receive the password of withdrawing the money of described ATM transmission, wherein, described password of withdrawing the money is that described user is input in described ATM, send described bank card account number information, described withdraw funds and described password of withdrawing the money to described bank card server, return to make described bank card server the message agreeing to withdraw the money to described finger print identifying server;
Instruction sending module, tells paper money instruction for the message of withdrawing the money according to described agreement to described ATM transmission, tells paper money to make described ATM.
6. finger print identifying server according to claim 5, is characterized in that, described in withdraw the money module, comprising:
Withdraw funds receives submodule, for receiving the described withdraw funds that described terminal sends according to the fingerprint authentication result that described user fingerprints mates;
Withdraw funds sends submodule, for sending described withdraw funds and described bank card account number information to described bank card server, generate the message of remaining sum abundance to make described bank card server according to the remaining sum in described bank card account number information and described withdraw funds and by described finger print identifying server, the message of described remaining sum abundance returned to described terminal;
Module of withdrawing the money receives submodule, for receive described ATM send described in withdraw the money password, wherein, described in password of withdrawing the money be that described user is input in described ATM according to the message of the described remaining sum abundance that described terminal shows;
Password of withdrawing the money sends submodule, for described bank card account number information and described password of withdrawing the money are sent to described bank card server, return according to the password corresponding with described bank card account number information prestored and described password of withdrawing the money the message agreeing to withdraw the money to make described bank card server to described finger print identifying server.
7. finger print identifying server according to claim 6, is characterized in that, described in withdraw the money module, also comprise:
Identifying code generates submodule, after sending described withdraw funds and described bank card account number information at described withdraw funds submodule to described bank card server, generate first according to described user fingerprints and described withdraw funds to withdraw the money identifying code, and receive that described ATM sends second withdraws the money identifying code, wherein, described second withdraws the money, and to be described user be input in described ATM according to the described terminal shows the 3rd identifying code of withdrawing the money identifying code, described 3rd identifying code of withdrawing the money is that described terminal generates according to described withdraw funds and described user fingerprints after the message receiving described remaining sum abundance,
Checking submodule, whether consistent for verifying the described first identifying code and described second identifying code of withdrawing the money of withdrawing the money, if consistent, send the consistent message of identifying code to described ATM, and the step of password of withdrawing the money described in the described ATM transmission of the reception of withdrawing the money described in then performing in module reception submodule.
8., according to the arbitrary described finger print identifying server of claim 5-7, it is characterized in that, also comprise:
Withdrawal information receiver module, message for withdrawing the money according to described agreement at described instruction sending module tells paper money instruction to described ATM transmission, to make after described ATM tells paper money, receive the withdrawal information that described ATM sends, described withdrawal information comprises described withdraw funds, ATM mark, time of withdrawing the money, note output mark;
Withdrawal information sending module, for described withdrawal information is sent to described bank card server, preserves described withdrawal information to make described bank card server.
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CN106204956A (en) * 2016-07-01 2016-12-07 合肥天馈信息技术有限公司 A kind of water power paying device and control system
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