CN105654376A - Card-less withdrawal method, related device and system - Google Patents
Card-less withdrawal method, related device and system Download PDFInfo
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- CN105654376A CN105654376A CN201511020829.9A CN201511020829A CN105654376A CN 105654376 A CN105654376 A CN 105654376A CN 201511020829 A CN201511020829 A CN 201511020829A CN 105654376 A CN105654376 A CN 105654376A
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
- G06Q40/02—Banking, e.g. interest calculation or account maintenance
Abstract
The invention discloses a card-less withdrawal method, a related device and a system. The method includes the following steps that: an information processing device installed at a user terminal sends first withdrawal information to a server for transaction processing; a self-service equipment terminal system transmits second withdrawal information inputted by a user to the server; and the server performs transaction processing according to the first withdrawal information and the second withdrawal information, wherein the first withdrawal information and the second withdrawal information form complete withdrawal information, and the first withdrawal information contains card information. The card-less withdrawal method is applicable to a variety of bank IC cards. With the method adopted, IC card real-object security authentication-based card-less withdrawal can be realized, the security characteristics of the IC cards are fully utilized; and the operation of the user on self-service equipment can be simplified, and the use efficiency of the equipment can be improved.
Description
Technical field
The present invention relates to communication and data processing field, more specifically, it relates to a kind of without blocking method, relative unit and the system of withdrawing the money.
Background technology
At present, pay for there being card, card medium can be financial security digital memory card (SecureDigitalMemoryCard, SD card), SWP (SingleWireProtocol)-SIM (SubscriberIdentityModule) card, SIM-PASS card, terminal built-in safe unit (SecureElement, SE) chip etc. Flourish along with mobile payment technology, each big giant releases the mobile payment application of oneself one after another, such as: micro-letter wallet, pay precious and known Applypay, Samsungpay, hce, Microsoftpay etc. both at home and abroad.
Financial circle especially the bank circle just on a large scale issue promote financial IC card. Meanwhile, the development of smart mobile phone, mobile payment technology, facilitates the appearance of various novel means of payment, and abnormity IC-card, the non-appearance connecing the new things such as IC-card, mobile-phone payment, the self-help drawing money business function allowing traditional slotting card withdraw the money is difficult to reply. Therefore, industry urgently needs one to be applicable to different media (comprising traditional sucrose and novel medium), safe and reliable self-help drawing money mode based on novel means of payment.
Requirement in " instruction about promoting mobile innovation of financial technique to develop in a healthy way " that Central Bank issues, mobile terminal is when the on-the-spot mode mutual with accepting terminal of concluding the business provides mobile service, the account medium based on safety chip should be used in principle, and meet the relevant criterion of the financial fields such as China's finance unicircuit (IntegratedCircuit, IC) is blocked, bank card accepts.
The similar scheme that current industry has realized is that reservation is withdrawn the money without card. Client is withdrawn the money without card by the Mobile banking of signing or Web bank's application, and bank provides withdrawal information and password after checking client identity and CAMEL-Subscription-Information, and client realizes withdrawing the money without card at the corresponding withdrawal information of Possum input and password. Based on the instruction of the payment of entity card medium, and be there is following defect in the mobile payment that contributing mode of withdrawing the money obviously does not meet Central Bank's proposition: security advantages in principle that can not play IC-card;Input is needed to withdraw the money the information such as numbering, password of withdrawing the money (being generally the disposal password of interim mobile phone checking code or client's sets itself) when client withdraws the money, both inconvenient, also easily stolen by others.
Summary of the invention
For solving the problems of the technologies described above, the present invention provides a kind of without blocking method, relative unit and the system of withdrawing the money, and is applicable to multiple bank IC card, it is possible to makes full use of the security feature of IC-card in withdrawing the money without card and improves equipment use efficiency.
On the one hand, embodiments provide a kind of without blocking method of withdrawing the money, comprising:
First withdrawal information is sent to the server for carrying out transaction processing by the signal conditioning package being installed on user terminal;
The 2nd withdrawal information that user is inputted by Possum terminal system is sent to described server;
Described server carries out transaction processing according to described first withdrawal information and described 2nd withdrawal information;
Wherein, described first withdrawal information and described 2nd withdrawal information form complete withdrawal information, and described first withdrawal information comprises card information.
Second aspect, the embodiment of the present invention provides a kind of signal conditioning package, comprising:
Sending module, for being sent to the server for carrying out transaction processing by the first withdrawal information;
Wherein, described first withdrawal information is the part information in complete withdrawal information, and described first withdrawal information comprises card information.
The third aspect, the embodiment of the present invention provides a kind of user terminal, and it is provided with the embodiment of the present invention third aspect or the signal conditioning package of its various implementation.
Fourth aspect, the embodiment of the present invention provides a kind of Possum terminal system, comprising:
First acquisition module, for obtaining the 2nd withdrawal information of user's input;
Sending module, for being sent to the server for carrying out transaction processing by described 2nd withdrawal information;
Wherein, described 2nd withdrawal information is the part information in complete withdrawal information, and described 2nd withdrawal information does not comprise card information.
5th aspect, the embodiment of the present invention provides a kind of server, comprising:
Receiver module, for receiving the first withdrawal information that signal conditioning package sends and the 2nd withdrawal information that Possum terminal system is sent;
Processing module, for carrying out transaction processing according to described first withdrawal information and described 2nd withdrawal information;
Wherein, described first withdrawal information and described 2nd withdrawal information form complete withdrawal information, and described first withdrawal information comprises card information.
6th aspect, the embodiment of the present invention provides a kind of and withdraws the money system without card, and described system comprises: the Possum terminal system of the signal conditioning package of second aspect, according to embodiments of the present invention fourth aspect and the server of the 5th aspect according to embodiments of the present invention according to embodiments of the present invention; Or, described system comprises: the Possum terminal system of the user terminal of the third aspect, according to embodiments of the present invention fourth aspect and the server of the 5th aspect according to embodiments of the present invention according to embodiments of the present invention.
Adopt various embodiments of the invention or its implementation, have the following advantages:
1: the safety certification based on IC-card material object can be realized, take full advantage of the security feature of IC-card;
2: by pre-stored or near-field communication (NearFieldCommunication, NFC) mode obtains card information, it is applicable to multiple bank IC card (such as, traditional bank IC-card, existing distortion bank IC card, CPU card, support cell-phone customer terminal read IC-card etc.) so that client without the need to slotting card, avoid gulping down card phenomenon;
3: simplify the operation of user on Possum, reduce the time queued up and operate, it is to increase equipment use efficiency, also improves the security withdrawn the money indirectly.
Accompanying drawing explanation
Fig. 1 is the schematic flow sheet of a kind of method of withdrawing the money without card according to embodiments of the present invention;
Fig. 2 A is the block schematic diagram of a kind of signal conditioning package according to embodiments of the present invention;
Fig. 2 B is the block schematic diagram of a kind of signal conditioning package according to embodiments of the present invention;
Fig. 2 C is the block schematic diagram of a kind of signal conditioning package according to embodiments of the present invention;
Fig. 3 A is the block schematic diagram of a kind of Possum terminal system according to embodiments of the present invention;
Fig. 3 B is the block schematic diagram of a kind of Possum terminal system according to embodiments of the present invention
Fig. 4 is the block schematic diagram of a kind of server according to embodiments of the present invention;
Fig. 5 A is the block schematic diagram of a kind of system of withdrawing the money without card according to embodiments of the present invention;
Fig. 5 B is without the operation and the communication process schematic diagram that block system of withdrawing the money shown in Fig. 5 A.
Embodiment
Below in conjunction with accompanying drawing, the technical scheme in the embodiment of the present invention is carried out clear, complete description.
First, explain the present invention relates to the part vocabulary that maybe may relate to:
ATM: ATM (Automatic Teller Machine), it is provided that the Possum of financial services such as inquiring about, change password, withdraw the money.
CRS: automatic depositing-withdrawing all-in-one, it is provided that inquiry, change password, withdraw the money, the Possum of the financial service such as deposit.
ATMC: Possum terminal system, for driving the software of Possum, it is achieved with the message exchange of background server.
ATMP: Possum front-end system, forwards and pre-treatment for the message between ATMC and background server, it is provided that the transaction data that ATM supervisory system statistics and monitoring need.
NFC (NearFieldCommunication): near-field communication is a kind of short telecommunication technology apart from high frequency.
Integrated circuit card (IC-card): the one or more unicircuit of enclosed inside is for performing the card processing and storing function.
IMEI (InternationalMobileEquipmentIdentity): the abbreviation of mobile equipment international identity code. It is made up of " electronics string " 15 bit digital, it and every platform mobile phone one_to_one corresponding, and this code is that the whole world is unique.
SE (SecureElement): safe unit, is responsible for stopping up of transaction critical data in mobile payment process and stores and go the parts calculating function.
CPU card: also claim intellective IC card, with microprocessor CPU, storage unit (comprising random access memory ram, program memory ROM (FLASH), user data memory EEPROM) and chip operating system COS in the unicircuit in card. The CPU card that COS is housed is equivalent to a minicomputer, not only has data storage function, has the function such as command process and data security protecting simultaneously.
Fig. 1 is the schematic flow sheet of a kind of method of withdrawing the money without card according to embodiments of the present invention, and with reference to Fig. 1, the method comprises:
10: the first withdrawal information is sent to the server for carrying out transaction processing by the signal conditioning package being installed on user terminal. Wherein, server refers to the server of bank's backstage system, for preserving all kinds of customer information, transaction information, acceptance and process transaction request and return transaction results etc.
12: the 2nd withdrawal information that user is inputted by Possum terminal system is sent to server.
14: server carries out transaction processing according to the first withdrawal information and the 2nd withdrawal information.
In the present embodiment, the first withdrawal information and the 2nd withdrawal information form complete withdrawal information, and the first withdrawal information comprises card information. Described complete withdrawal information refers to that meeting ATM withdraws the money the withdrawal information of relevant safety standard, the transaction that has been enough to withdraw the money.
Can selection of land, in a kind of implementation of the present embodiment, the first withdrawal information comprises card information, and the 2nd withdrawal information comprises transaction information and encrypted message. Or, the first withdrawal information comprises card information and transaction information, the 2nd withdrawal information encrypted message. Wherein, citing, can selection of land, card information can comprise card number information and the safe information of card of bank card, and transaction information can comprise withdraw funds.
Can selection of land, in a kind of implementation of the present embodiment, signal conditioning package is pre-stored with the first withdrawal information. Or, signal conditioning package reads IC-card by the mode of near-field communication and obtains card information, and inputs the described transaction information of generation when the first withdrawal information comprises transaction information according to user. Described IC-card can be the card of the support NFC reading of such as CPU card and so on.
Can selection of land, in a kind of implementation of the present embodiment, user Possum terminal by keyboard to Possum terminal system input encrypted message, or input encrypted message and transaction information.
The nothing adopting the present embodiment to provide blocks method of withdrawing the money, on the one hand, it is not necessary to slotting card can realize process of withdrawing the money; On the other hand, the card information sent based on signal conditioning package carries out the safety certification withdrawing the money and can realize based on IC-card material object, takes full advantage of the security feature of IC-card. Generally speaking, the method that the present embodiment provides is not only applicable to multiple bank IC card (such as, the IC-card etc. that traditional bank IC-card, existing distortion bank IC card, CPU card, support cell-phone customer terminal read), range of application and having a extensive future, and simplify the operation of user at Possum end, it is to increase while equipment use efficiency, indirectly improve security.
In addition, adopt the method for the present embodiment offer without the need to carrying out information processing through traditional ATMP server, save equipment cost, it is to increase without blocking the whole efficiency withdrawn the money.
Can selection of land, in a kind of implementation of the present embodiment, process 10 can realize in the following manner: information processing apparatus is set to the first withdrawal information and adds IMEI information, and then encryption is sent to server. In the various implementation of the present embodiment or its, IMEI information is corresponding with signal conditioning package, and such as, IMEI information can be the IMEI information of the mobile phone (or other user terminal) installing this signal conditioning package.
Further, in a kind of implementation of the present embodiment, process 12 can realize in the following manner: Possum terminal system is by scanner (such as, the scanner being arranged in Possum terminal) scan Quick Response Code acquisition IMEI information, this Quick Response Code comprises the IMEI information corresponding to information collecting device; Possum terminal system is that the 2nd withdrawal information adds IMEI information, and then encryption is sent to server.
Afterwards, in a kind of implementation of the present embodiment, process 14 can realize in the following manner: server mates according to IMEI information, determine the first withdrawal information corresponding to same IMEI and the 2nd withdrawal information, in other words, it is determined that the corresponding relation of the first withdrawal information and the 2nd withdrawal information; Then transaction processing is carried out according to the first corresponding withdrawal information and the 2nd withdrawal information.
Certainly, in other implementation of the present embodiment, server can also verify according to IMEI information, to determine the legitimacy of IMEI. In addition, except determine the corresponding relation of the first withdrawal information and the 2nd withdrawal information according to IMEI information, it is also possible to adopt other character of artificial setting or sequence number to replace IMEI to determine corresponding relation.
Below by reference to the accompanying drawings one according to embodiments of the present invention is illustrated without the card method of withdrawing the money, below in conjunction with accompanying drawing, relative unit according to embodiments of the present invention and system is described.
Fig. 2 A is the block schematic diagram of a kind of signal conditioning package according to embodiments of the present invention, and this signal conditioning package is applied to withdraws the money in method without card. With reference to Fig. 2 A, signal conditioning package 20 comprises sending module 21, specifically described below.
In the present embodiment, sending module 21 for being sent to the server for carrying out transaction processing by the first withdrawal information. Wherein, the first withdrawal information is the part information in complete withdrawal information, and the first withdrawal information comprises card information. Certainly, in some specific implementations of the present embodiment, the first withdrawal information can only comprise card information, or, it is also possible to such as, comprise transaction information (withdraw funds).
Adopt the signal conditioning package 20 that the present embodiment provides, it is possible to directly card information is sent to server, and carries out slotting card operation without the need to user at Possum, the security feature of IC-card can be made full use of while realizing withdrawing the money without card.
Can selection of land, in a kind of implementation of the present embodiment, as shown in Figure 2 B, signal conditioning package 20 can also comprise pre-stored module 22 and/or pre-processing module 23. Wherein, pre-stored module 22 is for pre-stored first withdrawal information. Pre-processing module 23 is for reading IC-card by the mode of NFC thus obtain card information, and when the first withdrawal information also comprises transaction information, inputs according to user and generate this transaction information.
Adopt the signal conditioning package 20 that this implementation provides, multiple bank IC card can be applicable to (such as, the IC-card etc. that traditional bank IC-card, existing distortion bank IC card, CPU card, support cell-phone customer terminal read), range of application and having a extensive future.
Can selection of land, in a kind of implementation of the present embodiment, as shown in Figure 2 C, signal conditioning package 20 also comprises Information procession module 24, for adding the IMEI information of corresponding informance treatment unit 20 for the first withdrawal information, such as, the IMEI information of the mobile phone of this signal conditioning package 20 is installed. Now, sending module 21 specifically for, cryptographically send the first withdrawal information that with the addition of IMEI information to server.
Can selection of land, in a kind of implementation of the present embodiment, information collecting device can also comprise two-dimensional code generation module, for generating the Quick Response Code comprising the IMEI information corresponding to self.
Art technology people is it is to be understood that the various implementations in the present embodiment can combine mutually. Adopt the signal conditioning package 20 that this implementation provides, be conducive to improving the security of communication.
Those skilled in the art are to be understood that; the information collecting device that the embodiment of the present invention provides can be installed on the user terminal of such as mobile phone, flat board and so on; therefore, the present invention also protects and has installed the embodiment of the present invention or the user terminal of information collecting device that its implementation provides.
Fig. 3 A is the block schematic diagram of a kind of Possum terminal system according to embodiments of the present invention, and with reference to Fig. 3 A, Possum terminal system 30 comprises the first acquisition module 31 and sending module 32, is described respectively below.
First acquisition module 31, for obtaining the 2nd withdrawal information of user's input.
Sending module 32, for being sent to the server for carrying out transaction processing by the 2nd withdrawal information.
In the present embodiment, the 2nd withdrawal information is the part information in complete withdrawal information, and the 2nd withdrawal information does not comprise card information. More specifically, the first withdrawal information that the 2nd withdrawal information and front literary composition are mentioned forms complete withdrawal information.
Can selection of land, in a kind of implementation of the present embodiment, the 2nd withdrawal information comprises transaction information and encrypted message; Or, the 2nd withdrawal information comprises encrypted message.
Can selection of land, in a kind of implementation of the present embodiment, as shown in Figure 3 B, Possum terminal system 30 also comprises: the 2nd acquisition module 33, obtaining IMEI information for scanning Quick Response Code by scanner, described Quick Response Code comprises the IMEI information of corresponding informance gathering device; With Information procession module 34, for adding IMEI information for the 2nd withdrawal information. Now, sending module 32 specifically for, cryptographically send the 2nd withdrawal information that with the addition of IMEI information to server.
The information collecting device mentioned in this implementation is for being sent to server by the first withdrawal information, and described first withdrawal information and the 2nd withdrawal information form complete withdrawal information. Detailed explanation about information collecting device refers to front literary composition, does not repeat herein.
Adopt the Possum terminal system that the present embodiment provides, it is not necessary to slotting card can be withdrawn the money, it is possible to avoids gulping down card phenomenon, and simplifies the manual operation on Possum, it is to increase equipment efficiency of usage.
Fig. 4 is the block schematic diagram of a kind of server according to embodiments of the present invention, and with reference to Fig. 4, server 40 comprises receiver module 41 and processing module 42. It is described respectively below.
In the present embodiment, receiver module 41 is for receiving signal conditioning package (such as, the signal conditioning package 20 that front literary composition is mentioned) such as, the 2nd withdrawal information that sends of the first withdrawal information of sending and Possum terminal system (the Possum terminal system 30 that front literary composition is mentioned). Processing module 42 is for carrying out transaction processing according to the first withdrawal information and described 2nd withdrawal information. Wherein, the first withdrawal information and the 2nd withdrawal information form complete withdrawal information, and the first withdrawal information comprises card information.
Can selection of land, in a kind of implementation of the present embodiment, the first withdrawal information comprises card information, and the 2nd withdrawal information comprises transaction information and encrypted message; Or, the first withdrawal information comprises card information and transaction information, and the 2nd withdrawal information comprises encrypted message.
Adopt the server 40 that the present embodiment provides, it is possible to obtain card information from information collecting device or user terminal, be conducive to realizing when making full use of IC-card security feature withdrawing the money without card.
Can selection of land, in a kind of implementation of the present embodiment, as mentioned before, the first withdrawal information and the 2nd withdrawal information all carry the IMEI information corresponding to signal conditioning package. Now, processing module 42 is specifically for mating according to IMEI information, it is determined that corresponding to the first withdrawal information and the 2nd withdrawal information of same IMEI, then carry out transaction processing according to the first withdrawal information and the 2nd withdrawal information. Certainly, processing module 42 can also according to the legitimacy of IMEI information checking IMEI.
Above information collecting device according to embodiments of the present invention, Possum terminal system and server are illustrated, about the detailed explanation of the detailed explanation of process performed by wherein relational language or the explanation of noun, each module, the optional process of respective or each module, please refer to the respective description in embodiment of the method, repeat no more herein.
Fig. 5 A is the block schematic diagram of a kind of system of withdrawing the money without card according to embodiments of the present invention, with reference to Fig. 5 A, comprises signal conditioning package 20, Possum terminal system 30 and server 40 without the card system of withdrawing the money. In the present embodiment, the first withdrawal information is sent to server 40 by signal conditioning package 20; 2nd withdrawal information is sent to server 40 by Possum terminal system 30; Server 40 carries out transaction processing according to the first withdrawal information and the 2nd withdrawal information. The explanation in Fig. 1��embodiment illustrated in fig. 4 or implementation is referred to about processing the detailed explanation that maybe can perform process performed by each part.
Certainly, the signal conditioning package 20 in the present embodiment can be installed on the user terminal of such as mobile phone, flat board and so on, and therefore, the present invention also protects the nothing comprising such user terminal, Possum terminal system 30 and server 40 to block system of withdrawing the money.
Fig. 5 B is without the operation and the communication process schematic diagram that block system of withdrawing the money shown in Fig. 5 A. With reference to Fig. 5 B, operation and communication process comprise: 1. user initiates to withdraw the money transaction in NFC mobile phone (supporting the mobile phone of NFC) client terminal, and cell-phone customer terminal reads IC card information, collects the transaction information of client's input, such as withdraw funds; 2.NFC cell-phone customer terminal, by card information and transaction information package, adds IMEI information, and 55 territory encryptions, are sent to server by information after encryption; 3. server receives and keeps in card information and transaction information; 4. user selects " scanning is withdrawn the money " business at cell-phone customer terminal, and client terminal generates the Quick Response Code comprising IMEI information; 5. the Quick Response Code that Possum terminal system is generated by the scanner scan N FC cell-phone customer terminal of ATM, decoding obtains IMEI information; 6. the trading password of Possum terminal system acceptance client input; 7. IMEI information and encrypted message encryption are sent to server by Possum terminal system; 8. server receives and keeps in IMEI information and encrypted message, the information of carrying out verification is (such as, verification transaction information, card number, 55 territories, IMEI, transaction voucher), carrying out verification according to the IMEI information comprised in all temporary information to determine IMEI legitimacy and carry out matching treatment, " encrypted message " that IMEI information is identical and " card information and transaction information " the match is successful; 9. server carries out transaction processing according to the information that the match is successful, such as, carries out testing close, book keeping operation of withholing process, transaction results returns to Possum terminal system; Possum terminal system acceptance transaction results, completes note output action, and transaction of withdrawing the money completes.
Certainly, flow process shown in Fig. 5 B does not limit the sequencing of above-mentioned steps 1 and step 4, the sequencing of not conditioning step 4 and step 6 yet. In addition, in other operation and communication process of the present embodiment, card information can only be read in step 1, correspondingly, in step 6, the trading password of Possum terminal system receives user input and transaction information.
Through the above description of the embodiments, the technician of this area can be well understood to the present invention and can realize by the mode of software combined with hardware platform. Based on such understanding, what background technology was contributed by the technical scheme of the present invention can embody with the form of software product in whole or in part, this computer software product can be stored in storage media, such as ROM/RAM, magnetic disc, CD etc., comprise some instructions with so that a computer equipment (can be Personal Computer, server, or the network equipment etc.) perform the method described in some part of each embodiment of the present invention or embodiment.
Above disclosed it is only the preferred embodiments of the present invention; certainly protection scope of the present invention can not be limited with this; therefore the equivalent variations done by above-described embodiment according to the instruction of the claims in the present invention, still belongs in the scope that the claims in the present invention contain.
Claims (17)
1. a nothing blocks method of withdrawing the money, it is characterised in that, described method comprises:
First withdrawal information is sent to the server for carrying out transaction processing by the signal conditioning package being installed on user terminal;
The 2nd withdrawal information that user is inputted by Possum terminal system is sent to described server;
Described server carries out transaction processing according to described first withdrawal information and described 2nd withdrawal information;
Wherein, described first withdrawal information and described 2nd withdrawal information form complete withdrawal information, and described first withdrawal information comprises card information.
2. the method for claim 1, it is characterised in that,
Described first withdrawal information comprises described card information, and described 2nd withdrawal information comprises transaction information and encrypted message; Or,
Described first withdrawal information comprises described card information and described transaction information, and described 2nd withdrawal information comprises described encrypted message.
3. method as claimed in claim 2, it is characterised in that,
Described signal conditioning package is pre-stored with described first withdrawal information; Or,
Described signal conditioning package reads integrated circuit card by the mode of near-field communication and obtains described card information, and when described first withdrawal information comprises described transaction information, inputs according to user and generate described transaction information.
4. method as according to any one of claims 1 to 3, it is characterised in that, the first withdrawal information is sent to the server for carrying out transaction processing by the signal conditioning package being installed on user terminal, comprising:
Described information processing apparatus is set to the IMEI information that described first withdrawal information adds corresponding described signal conditioning package, and encryption is sent to described server.
5. method as claimed in claim 4, it is characterised in that, the 2nd withdrawal information that user is inputted by described Possum terminal system is sent to described server, comprising:
The Quick Response Code that described Possum terminal system comprises described IMEI information by scanner scanning obtains described IMEI information;
Described Possum terminal system is that described 2nd withdrawal information adds described IMEI information, and encryption is sent to described server.
6. method as claimed in claim 5, it is characterised in that, described server carries out transaction processing according to described first withdrawal information and described 2nd withdrawal information, comprising:
Described server mates according to described IMEI information, it is determined that corresponding to described first withdrawal information and described 2nd withdrawal information of same IMEI, then carry out transaction processing according to described first withdrawal information and described 2nd withdrawal information.
7. a signal conditioning package, it is characterised in that, described signal conditioning package comprises:
Sending module, for being sent to the server for carrying out transaction processing by the first withdrawal information;
Wherein, described first withdrawal information is the part information in complete withdrawal information, and described first withdrawal information comprises card information.
8. such as signal conditioning package that claim 7 is stated, it is characterised in that,
Described first withdrawal information only comprises described card information, or, described first withdrawal information also comprises transaction information.
9. such as signal conditioning package that claim 8 is stated, it is characterised in that, described signal conditioning package also comprises:
Pre-stored module, for the first withdrawal information described in pre-stored;Or,
Pre-processing module, obtains described card information for reading integrated circuit card by the mode of near-field communication, and when described first withdrawal information also comprises described transaction information, inputs according to user and generate described transaction information.
10. signal conditioning package according to any one of claim 7��9, it is characterised in that,
Described signal conditioning package also comprises Information procession module, for adding the IMEI information of corresponding described signal conditioning package for described first withdrawal information;
Described sending module specifically for, cryptographically send described first withdrawal information that with the addition of described IMEI information to described server.
11. 1 kinds are provided with the user terminal of the signal conditioning package as according to any one of claim 7��10.
12. 1 kinds of Possum terminal systems, it is characterised in that, comprising:
First acquisition module, for obtaining the 2nd withdrawal information of user's input;
Sending module, for being sent to the server for carrying out transaction processing by described 2nd withdrawal information;
Wherein, described 2nd withdrawal information is the part information in complete withdrawal information, and described 2nd withdrawal information does not comprise card information.
13. Possum terminal systems as claimed in claim 12, it is characterised in that,
Described 2nd withdrawal information comprises transaction information and encrypted message; Or,
Described 2nd withdrawal information comprises described encrypted message.
The 14. Possum terminal systems as described in claim 12 or 13, it is characterised in that,
Described system also comprises:
2nd acquisition module, obtains IMEI information for scanning Quick Response Code by scanner, and described Quick Response Code comprises the described IMEI information of corresponding informance gathering device,
Information procession module, for adding IMEI information for described 2nd withdrawal information;
Described sending module specifically for, cryptographically send described 2nd withdrawal information that with the addition of described IMEI information to described server;
Wherein, described information collecting device is for being sent to described server by the first withdrawal information, and described first withdrawal information and described 2nd withdrawal information form complete withdrawal information.
15. 1 kinds of servers, it is characterised in that, comprising:
Receiver module, for receiving the first withdrawal information that signal conditioning package sends and the 2nd withdrawal information that Possum terminal system is sent;
Processing module, for carrying out transaction processing according to described first withdrawal information and described 2nd withdrawal information;
Wherein, described first withdrawal information and described 2nd withdrawal information form complete withdrawal information, and described first withdrawal information comprises card information.
16. servers as claimed in claim 15, it is characterised in that,
Described first withdrawal information and described 2nd withdrawal information all carry the IMEI information corresponding to described signal conditioning package;
Described processing module specifically for, mate according to described IMEI information, it is determined that corresponding to described first withdrawal information and described 2nd withdrawal information of same IMEI, then carry out transaction processing according to described first withdrawal information and described 2nd withdrawal information.
17. 1 kinds without blocking system of withdrawing the money, it is characterised in that,
Described system comprises:
Signal conditioning package as according to any one of claim 7��10, the Possum terminal system as according to any one of claim 12��14 and the server as described in claim 15 or 16; Or,
Described system comprises:
User terminal as claimed in claim 11, Possum terminal system as according to any one of claim 12��14 and the server as described in claim 15 or 16.
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| Application Number | Priority Date | Filing Date | Title |
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| CN201511020829.9A CN105654376B (en) | 2015-12-30 | 2015-12-30 | Cardless withdrawal method, related device and system |
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| CN201511020829.9A CN105654376B (en) | 2015-12-30 | 2015-12-30 | Cardless withdrawal method, related device and system |
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| CN105654376B CN105654376B (en) | 2020-03-13 |
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Cited By (2)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN107564204A (en) * | 2017-08-21 | 2018-01-09 | 深圳怡化电脑股份有限公司 | A kind of wholesale withdrawal method and atm device |
| WO2019136881A1 (en) * | 2018-01-11 | 2019-07-18 | 平安科技（深圳）有限公司 | Protection method and apparatus for cardless withdrawal and storage medium |
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| CN105654376B (en) | 2020-03-13 |
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