CN106127973A - A kind of method for authenticating, device, system in real time - Google Patents
A kind of method for authenticating, device, system in real time Download PDFInfo
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- CN106127973A CN106127973A CN201610193091.4A CN201610193091A CN106127973A CN 106127973 A CN106127973 A CN 106127973A CN 201610193091 A CN201610193091 A CN 201610193091A CN 106127973 A CN106127973 A CN 106127973A
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- China
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- user
- information
- phone number
- money
- teller machine
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- G—PHYSICS
- G07—CHECKING-DEVICES
- G07F—COIN-FREED OR LIKE APPARATUS
- G07F19/00—Complete banking systems; Coded card-freed arrangements adapted for dispensing or receiving monies or the like and posting such transactions to existing accounts, e.g. automatic teller machines
- G07F19/20—Automatic teller machines [ATMs]
- G07F19/203—Dispensing operations within ATMs
-
- G—PHYSICS
- G07—CHECKING-DEVICES
- G07F—COIN-FREED OR LIKE APPARATUS
- G07F19/00—Complete banking systems; Coded card-freed arrangements adapted for dispensing or receiving monies or the like and posting such transactions to existing accounts, e.g. automatic teller machines
- G07F19/20—Automatic teller machines [ATMs]
- G07F19/211—Software architecture within ATMs or in relation to the ATM network
Abstract
The present invention provides a kind of method for authenticating, device, system in real time, belongs to real-time authentication techniques field, and it can solve existing automatic teller machine and cannot withdraw the money when the number of withdrawing the money of user is in excess of the quota again, can only carry out sales counter withdraw the money or the next day problem withdrawn the money.The real-time method for authenticating of the present invention includes: receiving the authentication request message that automatic teller machine sends, authentication request message includes the phone number that user inputs；When being registered with bank card by the phone number that user inputs, the phone number of registration is compared；If the phone number of registration is consistent when the phone number of user's input is registered with bank card, sends subscriber information request message to operator, inquire first user information for operator according to subscriber information request message；The first user information and second user profile corresponding with bank card that operator are returned are compared, if first user information is consistent with the second user profile, it is allowed to user withdraws the money.
Description
Technical field
The invention belongs to real-time authentication techniques field, be specifically related to a kind of method for authenticating, device, system in real time.
Background technology
The automatic teller machine of bank is also known as ATM (Automatic Teller Machine, ATM), and it is a kind of height
Accurate electromechanical integrated device, utilizes magnetic code card or smart card to realize the Self-Service of financial transaction, replaces bank's cabinet
The work of dough figurine person.Automatic teller machine can be used for extracting cash, inquiring about the balance of deposits, carry out the allocation of the funds between account, inquiry into balance
Deng work, processing owing to need not to wait in line bank's cabinet face staff, user can complete to take easily and quickly
Money, the simple business such as save, be effectively saved the time of handling of user, therefore, favored by users.
At present, user, when automatic teller machine uses debit card (deposit card) to carry out self-help drawing money, typically can relate to two limits
Volume, one is the maximum amount that single is withdrawn the money, and two is the maximum amount withdrawn the money in the odd-numbered day, such as, withdraws the money most 5000 yuan, every day every time
Withdraw the money most 20000 yuan.
Certainly, why arranging above-mentioned two limit, be mainly, this convenience allowing user bring at enjoyment automatic teller machine is fast
While victory, also run into the trouble of cash dispenser limit, i.e. when user withdraw the money number exceed the limit that automatic teller machine is arranged time, user is just
Must carry out sales counter withdraw the money or the next day withdraw the money, very inconvenient.
Summary of the invention
The present invention is directed to existing automatic teller machine cannot withdraw the money again when the number of withdrawing the money of user exceedes the limit of setting,
Can only carry out sales counter withdraw the money or the next day problem withdrawn the money, it is provided that a kind of exceed the limit that automatic teller machine is arranged when the number of withdrawing the money of user
Time can, quickly for subscription authentication, allow the user to complete on automatic teller machine taking-up real-time of the fund beyond limit part
Method for authenticating, device, system.
Solve the technology of the present invention problem and be employed technical scheme comprise that a kind of method for authenticating in real time, including:
Receiving the authentication request message that automatic teller machine sends, described authentication request message includes the phone number that user inputs；
When the phone number described user inputted is registered with bank card, the phone number of registration is compared；If user is defeated
When the phone number entered is registered with bank card, the phone number of registration is consistent, sends subscriber information request message to operator, with
First user information is inquired according to described subscriber information request message for described operator；
The first user information and second user profile corresponding with described bank card that described operator are returned compare
Right, if described first user information is consistent with described second user profile, it is allowed to described user withdraws the money；If described first user is believed
Cease inconsistent with described second user profile, refuse described user and withdraw the money.
Wherein, before the authentication request message that described reception automatic teller machine sends, also include:
Described automatic teller machine judges whether the withdraw funds that described user inputs exceedes the threshold value of withdrawing the money of described automatic teller machine；If institute
The withdraw funds stating user's input exceedes the threshold value of withdrawing the money of described automatic teller machine, points out to described user, for described user
Input handset number.
Wherein, described authentication request information also includes: request time；
When the described phone number described user inputted is registered with bank card, the phone number of registration compares it
Before also include:
If the time difference between described request time and current time is not less than threshold value, it is judged that described authentication request message
Effectively.
Wherein, described subscriber information request message includes the phone number that user inputs；
Described first user information includes: the customer position information corresponding to phone number of described user input and described
The subscriber identity information corresponding to phone number of user's input；
Described second user profile includes: during the registration of described bank card, subscriber identity information and the automatic teller machine position of registration are believed
Breath；
The described first user information described operator returned and second user profile corresponding with described bank card are entered
Row comparison, if described first user information is consistent with described second user profile, it is allowed to described user withdraws the money；If described first uses
Family information is inconsistent with described second user profile, refuses described user and withdraws the money and include:
By customer position information corresponding for the phone number of the described user input in described first user information and user
The user of registration when identity information is registered with the automatic teller machine positional information in described second user profile and described bank card respectively
Identity information is compared；
If the customer position information and second that the phone number of the described user input in described first user information is corresponding
Automatic teller machine positional information in user profile is consistent, and the subscriber identity information in described first user information is used with described second
When described bank card in the information of family is registered, the subscriber identity information of registration is consistent, it is allowed to described user withdraws the money；
If the customer position information and second that the phone number of the described user input in described first user information is corresponding
Automatic teller machine positional information in user profile is inconsistent, or the subscriber identity information in described first user information and described second
When described bank card in user profile is registered, the subscriber identity information of registration is inconsistent, refuses described user and withdraws the money.
As another technical scheme, the present invention also provides for a kind of authentication device in real time, including:
Receiver module, for receiving the authentication request message that automatic teller machine sends, described authentication request message includes that user is defeated
The phone number entered；
First processing module, the phone number of registration when the phone number for described user being inputted is registered with bank card
Compare；If the phone number of registration is consistent when the phone number of user's input is registered with bank card, sends to operator and use
Family information request message, inquires first user information for described operator according to described subscriber information request message；
Second processing module, for the first user information that described operator returned and corresponding with described bank card the
Two user profile are compared, if described first user information is consistent with described second user profile, it is allowed to described user withdraws the money；
If described first user information is inconsistent with described second user profile, refuses described user and withdraw the money.
Wherein, described authentication request information also includes: request time；
Described real-time authentication device also includes: judge module；
Described judge module, if for the time difference between described request time and current time not less than threshold value, it is judged that
Described authentication request message is effective.
Wherein, described subscriber information request message includes the phone number that user inputs；
Described first user information includes: the customer position information corresponding to phone number of described user input and described
The subscriber identity information corresponding to phone number of user's input；
Described second user profile includes: during the registration of described bank card, subscriber identity information and the automatic teller machine position of registration are believed
Breath；
Wherein, described second processing module includes: comparing module, authorization module；
Described comparing module, for the use that the phone number by the described user input in described first user information is corresponding
Family positional information and subscriber identity information respectively with the automatic teller machine positional information in described second user profile and described bank card
During registration, the subscriber identity information of registration is compared；
Described authorization module, goes out what the described user in described first user information inputted for described comparison module
Automatic teller machine positional information in customer position information that phone number is corresponding and the second user profile is consistent, and described first user
The subscriber identity information of registration when subscriber identity information in information is registered with the described bank card in described second user profile
Unanimously, it is allowed to described user withdraws the money；Described comparison module goes out the hands of the described user input in described first user information
Automatic teller machine positional information in customer position information that plane No. code is corresponding and the second user profile is inconsistent, or described first user
The subscriber identity information of registration when subscriber identity information in information is registered with the described bank card in described second user profile
Inconsistent, refuse described user and withdraw the money.
As another technical scheme, the present invention also provides for a kind of right discriminating system in real time, including: operator, automatic teller machine and on
State the real-time authentication device described in any one；
Described automatic teller machine, for sending authentication request message, described authentication request message bag to described real-time authentication device
Include the phone number of user's input；
Described operator, for receiving the subscriber information request message that described real-time authentication device sends, and according to described
Subscriber information request message inquires first user information.
Wherein, described operator, it is additionally operable to judge whether the withdraw funds that described user inputs exceedes described automatic teller machine
Withdraw the money threshold value；If the withdraw funds of described user input exceedes the threshold value of withdrawing the money of described automatic teller machine, point out to described user,
For described user's input handset number.
In the real-time method for authenticating of the present invention, device, system, real-time method for authenticating is receiving the authentication that automatic teller machine sends
After solicited message, when first being registered with bank card by the phone number that user inputs, the phone number of registration is compared, and carries out
For the first time checking, to judge that whether the phone number of this input is the phone number of bank card registration；Mobile phone when user's input
When number is registered with bank card, the phone number of registration is consistent, by the first user information that operator is returned and and bank
The second user profile that card is corresponding is compared, and carries out second time and verifies, whether to judge the current user at automated teller machine withdrawal
The user of the terminal corresponding to the phone number of above-mentioned input, when first user information is consistent with the second user profile, permits
Withdrawing the money in family allowable, thus avoids lawless person and knowing the phone number of user and holding the situation of bank card of this user
Under, pretend to be this user to carry out exceeding the quata to withdraw the money.Therefore, the user that this real-time method for authenticating, the most only volume of transfiniting are withdrawn the money provides just
Prompt approach of withdrawing the money, it is not necessary to carry out sales counter withdraw the money or the next day withdraw the money, meanwhile, also protect the fund security of user, it is therefore prevented that steal
Block the phenomenons such as many brushes.
The real-time method for authenticating of the present invention, device, system are applicable to the ATM of existing any one bank.
Accompanying drawing explanation
Fig. 1 is the schematic flow sheet of the real-time method for authenticating of embodiments of the invention 1；
Fig. 2 is the structural representation of the real-time authentication device of embodiments of the invention 2；
Fig. 3 is the composition schematic block diagram of the real-time right discriminating system of embodiments of the invention 3；
Wherein, reference is: 1, receiver module；2, the first processing module；3, the second processing module；31, comparing module；
32, authorization module；4, judge module；10, operator；20, automatic teller machine；30, real-time authentication device.
Detailed description of the invention
For making those skilled in the art be more fully understood that technical scheme, below in conjunction with the accompanying drawings and specific embodiment party
The present invention is described in further detail by formula.
Embodiment 1:
Refer to Fig. 1, the present embodiment provides a kind of method for authenticating in real time, including:
Step 100, automatic teller machine judges whether the withdraw funds that user inputs exceedes the threshold value of withdrawing the money of automatic teller machine；If so, use
The withdraw funds of family input exceedes the threshold value of withdrawing the money of automatic teller machine, performs step 101；If it is not, failed authentication.
It is to say, when user carries out self-help drawing money on automatic teller machine, when user inputs withdraw funds and confirmation is withdrawn the money
Time, automatic teller machine can first judge whether the amount of money that user inputs exceedes threshold value of withdrawing the money, if the amount of money that user inputs judged by automatic teller machine
Not less than threshold value of withdrawing the money, user is not pointed out, the amount of money of extracting directly user input；If automatic teller machine judges that user is defeated
The amount of money entered exceedes threshold value of withdrawing the money, and performs step 101.
Step 101, points out to user, for user's input handset number.
Step 102, real-time authentication device receives the authentication request message that automatic teller machine sends, and authentication request message includes user
The phone number of input.
It is to say, after user have input phone number on automatic teller machine, automatic teller machine will include this phone number
Authentication request information is sent to real-time authentication device.
Step 103, the phone number of registration when the phone number that user is inputted by real-time authentication device is registered with bank card
Compare；If the phone number of registration is consistent when the phone number of user's input is registered with bank card, sends to operator and use
Family information request message, inquires first user information for operator according to subscriber information request message.Wherein, user profile
Request message includes the phone number that user inputs.Specifically include,
Step 1031, real-time authentication device is receiving the authentication of the phone number comprising user's input that automatic teller machine sends
After solicited message, when the phone number this user inputted is registered with bank card, the phone number of registration is compared.
If the phone number of registration is inconsistent when the phone number of this user input is registered with bank card, authenticate dress the most in real time
Put and this comparison result is sent to automatic teller machine, so that phone number and the bank of its input of user pointed out on a display screen by automatic teller machine
During card registration, the phone number of registration is inconsistent, refuses this user's volume of transfiniting and withdraws the money, i.e. failed authentication；If the hands of this user input
When plane No. code is registered with bank card, the phone number of registration is consistent, then perform step 1032.
Step 1032, real-time authentication device sends subscriber information request message to operator.Wherein, user information request disappears
Breath includes the phone number that user inputs.
Step 1033, operator inquires first user letter according to the subscriber information request message that real-time authentication device sends
Breath.Wherein, first user information includes: the customer position information corresponding to phone number of user's input and the hands of user's input
The subscriber identity information that plane No. code is corresponding.
Specifically, owing to comprising the phone number of user in user information request, therefore, operation length can be according to this mobile phone
Number searching is to customer position information corresponding to this phone number and the identity information of user.
Wherein, the positional information of the user that phone number is corresponding includes: phone number is presently in the base coded of base station
With the numbering of base station cell, may thereby determine that its province, place, districts and cities, district and street (even can be as accurate as number),
The specific address that i.e. phone number is presently in.
Wherein, the identity information of the user that phone number is corresponding includes: user is the use of registration when registering this phone number
Family name, identification card number, i.e. may certify that the information of user identity.
Wherein, authentication request information also includes: request time.
Step 104, if the time difference between request time and current time is not less than threshold value, real-time authentication device is judged
Authentication request message is effective.
Why it is arranged such, is present to ensure that the ageing of authentication request information.Such as, user is defeated in automatic teller machine
After entering phone number, wait that real-time authentication device authenticates, but probably due to certain reason, cause real-time authentication device at cabinet
After member's machine sends authentication request information a period of time, real-time authentication device just receives this authentication request information, now, if not judging
This authentication request message is the most just directly entered authentication procedure, it is likely that authenticate with operator at real-time authentication device
Time, user is already out or withdraws the money to sales counter, then, inevitably result in failed authentication or sent out by situations such as lawless person's utilizations
Raw.
Therefore, real-time authentication device, after receiving the authentication request information that automatic teller machine sends, needs first to authentication request
Request time in information judges, it is judged that whether its time difference with current time exceedes threshold value, if request time with work as
The time difference of front time not less than threshold value, is then judged that authentication request message is effective, is authenticated successfully, perform step 105；If request
Time exceedes threshold value with the time difference of current time, then judge that authentication request message is invalid, failed authentication.
Step 105, the first user information and corresponding with bank card second that operator is returned by real-time authentication device is used
Family information is compared, if first user information is consistent with the second user profile, it is allowed to user withdraws the money；If first user information with
Second user profile is inconsistent, and refusal user withdraws the money.
Wherein, the second user profile includes: the subscriber identity information registered during bank card registration and automatic teller machine positional information.
Step 105 specifically includes:
Step 1051, real-time authentication device is by user position corresponding for the phone number of the user's input in first user information
Registration when confidence breath and subscriber identity information are registered with the automatic teller machine positional information in the second user profile and bank card respectively
Subscriber identity information is compared.
Step 1052, if so, the customer position information corresponding to phone number of the input of the user in first user information with
Automatic teller machine positional information in second user profile is consistent, and subscriber identity information and the second user in first user information believes
When bank card in breath is registered, the subscriber identity information of registration is consistent, performs step 106；If it is not, the use in first user information
Automatic teller machine positional information in the customer position information corresponding to phone number of family input and the second user profile is inconsistent, or the
When the subscriber identity information in one user profile and the registration of the bank card in the second user profile, the subscriber identity information of registration is not
Unanimously, failed authentication, refusal user withdraws the money.
Such as: the phone number that operator inputs according to user, the terminal place that now this phone number is corresponding is inquired
Position is D street, C district, B city of A province E, and user name F and identification card number G of registration when registering this phone number can also look into
Inquiry is arrived；Owing to automatic teller machine is after real-time authentication device sends authentication request information, real-time authentication device just can be according to this teller
The automatic teller machine numbering of machine, inquires the particular location of this automatic teller machine, it is also possible to the bank card according to inserting automatic teller machine inquires this
The address name registered during bank card registration and identification card number.If the position of this automatic teller machine is D street, C district, B city of A province E, and should
When bank card is registered, the address name of registration is G as F, identification card number, then the cell-phone number of the input of the user in first user information
Automatic teller machine positional information in the customer position information of code correspondence and the second user profile is consistent, and the use in first user information
When bank card in family identity information and the second user profile is registered, the subscriber identity information of registration is also consistent, now, and comparison one
Cause, it is allowed to user withdraws the money；If the position of this automatic teller machine is not D street, C district, B city of A province E, or registration during the registration of this bank card
Address name is not G for F, identification card number, then the customer location that the phone number of the input of the user in first user information is corresponding
Information is inconsistent with the automatic teller machine positional information in the second user profile, or the subscriber identity information in first user information and
When bank card in two user profile is registered, the subscriber identity information of registration is inconsistent, and now, comparison is inconsistent, and refusal user takes
Money.It is to say, only when positional information is the most identical with subscriber identity information, user is just allowed to withdraw the money, one of them not phase
With, user all can not be allowed to withdraw the money, to ensure the safety of withdrawing the money of user.
Step 106, it is allowed to user withdraws the money.
The real-time method for authenticating of the present embodiment, after receiving the authentication request information that automatic teller machine sends, first by user
When the phone number of input is registered with bank card, the phone number of registration is compared, and carries out verifying, to judge that this is defeated for the first time
Whether the phone number entered is the phone number of bank card registration；The registration when the phone number of user's input is registered with bank card
Phone number consistent time, entered by the first user information that operator is returned and the second user profile corresponding with bank card
Row comparison, carries out second time and verifies, to judge that whether current user at automated teller machine withdrawal is the phone number institute of above-mentioned input
The user of corresponding terminal, when first user information is consistent with the second user profile, it is allowed to user withdraws the money, thus avoids not
Method molecule, in the case of knowing the phone number of user and holding the bank card of this user, pretends to be this user to carry out exceeding the quata to take
Money.Therefore, the user that this real-time method for authenticating, the most only volume of transfiniting are withdrawn the money provides approach of withdrawing the money easily, it is not necessary to carry out cabinet
Platform withdraw the money or the next day withdraw the money, meanwhile, also protect the fund security of user, it is therefore prevented that steal and block the phenomenon such as many brushes.
Embodiment 2:
Refer to Fig. 2, the present embodiment provides a kind of authentication device in real time, including: receiver module the 1, first processing module 2,
Second processing module 3 and judge module 4.Wherein, the second processing module 3 includes comparing module 31 and authorization module 32.
Receiver module 1 is for receiving the authentication request message that automatic teller machine sends, and authentication request message includes what user inputted
Phone number.
When first processing module 2 is for registering the phone number that user inputs with bank card, the phone number of registration is carried out
Comparison；If the phone number of registration is consistent when the phone number of user's input is registered with bank card, send user's letter to operator
Breath request message, inquires first user information for operator according to subscriber information request message.
Second processing module 3 is for first user information operator returned and the second user letter corresponding with bank card
Breath is compared, if first user information is consistent with the second user profile, it is allowed to user withdraws the money；If first user information and second
User profile is inconsistent, and refusal user withdraws the money.
Comparing module 31 is used for customer position information corresponding for the phone number of the user's input in first user information
User's body of registration when registering with the automatic teller machine positional information in the second user profile and bank card respectively with subscriber identity information
Part information is compared.
Authorization module 32 goes out, for comparing module 31 comparison, the phone number correspondence that the user in first user information inputs
Customer position information and the second user profile in automatic teller machine positional information consistent, and the user identity in first user information
When information is registered with the bank card in the second user profile, the subscriber identity information of registration is consistent, it is allowed to user withdraws the money；Comparison mould
Block 31 comparison goes out customer position information corresponding to phone number and second user profile of the user's input in first user information
In automatic teller machine positional information inconsistent, or the subscriber identity information in first user information and the bank in the second user profile
During card registration, the subscriber identity information of registration is inconsistent, and refusal user withdraws the money.
Wherein, authentication request information also includes: request time.
If the time difference that judge module 4 is used between request time and current time is not less than threshold value, it is judged that authentication request
Message is effective.
Wherein, subscriber information request message includes the phone number that user inputs.
First user information includes: the customer position information corresponding to phone number of user's input and the hands of user's input
The subscriber identity information that plane No. code is corresponding.
Second user profile includes: the subscriber identity information registered during bank card registration and automatic teller machine positional information.
The real-time authentication device of the present embodiment includes the real-time method for authenticating of embodiment 1, describes in detail and can refer to embodiment 1
Real-time method for authenticating, do not repeat them here.
The real-time authentication device of the present embodiment, after receiving the authentication request information that automatic teller machine sends, first by user
When the phone number of input is registered with bank card, the phone number of registration is compared, and carries out verifying, to judge that this is defeated for the first time
Whether the phone number entered is the phone number of bank card registration；The registration when the phone number of user's input is registered with bank card
Phone number consistent time, entered by the first user information that operator is returned and the second user profile corresponding with bank card
Row comparison, carries out second time and verifies, to judge that whether current user at automated teller machine withdrawal is the phone number institute of above-mentioned input
The user of corresponding terminal, when first user information is consistent with the second user profile, it is allowed to user withdraws the money, thus avoids not
Method molecule, in the case of knowing the phone number of user and holding the bank card of this user, pretends to be this user to carry out exceeding the quata to take
Money.Therefore, the user that this real-time method for authenticating, the most only volume of transfiniting are withdrawn the money provides approach of withdrawing the money easily, it is not necessary to carry out cabinet
Platform withdraw the money or the next day withdraw the money, meanwhile, also protect the fund security of user, it is therefore prevented that steal and block the phenomenon such as many brushes.
Embodiment 3:
Refer to Fig. 3, the present embodiment provides a kind of right discriminating system in real time, including: operator 10, automatic teller machine 20 and embodiment
The real-time authentication device 30 of 2.
Automatic teller machine 10 is for sending authentication request message to real-time authentication device, and authentication request message includes what user inputted
Phone number；
Operator 20 is used for receiving the subscriber information request message that real-time authentication device sends, and according to user information request
Information query goes out first user information.
Operator 20 is additionally operable to judge the threshold value of withdrawing the money whether the withdraw funds that user inputs exceedes automatic teller machine；If user is defeated
The withdraw funds entered exceedes the threshold value of withdrawing the money of automatic teller machine, points out to user, for user's input handset number.
The real-time right discriminating system of the present embodiment includes the real-time authentication device of embodiment 2, describes in detail and can refer to embodiment 2
Real-time authentication device, do not repeat them here.
The real-time right discriminating system of the present embodiment, real-time authentication device is receiving the authentication request information that automatic teller machine sends
After, when first being registered with bank card by the phone number that user inputs, the phone number of registration is compared, and carries out testing for the first time
Card, to judge that whether the phone number of this input is the phone number of bank card registration；Phone number and silver when user's input
When during row card registration, the phone number of registration is consistent, by the first user information that operator is returned and corresponding with bank card
Whether the second user profile is compared, and carries out second time and verifies, be above-mentioned defeated to judge the current user at automated teller machine withdrawal
The user of the terminal corresponding to phone number entered, when first user information is consistent with the second user profile, it is allowed to Yong Huqu
Money, thus avoid lawless person in the case of knowing the phone number of user and holding the bank card of this user, pretend to be this
User carries out exceeding the quata to withdraw the money.Therefore, the user that this real-time method for authenticating, the most only volume of transfiniting are withdrawn the money provides way of withdrawing the money easily
Footpath, it is not necessary to carry out sales counter withdraw the money or the next day withdraw the money, meanwhile, also protect the fund security of user, it is therefore prevented that steal that to block many brushes etc. existing
As.
It is understood that the principle that is intended to be merely illustrative of the present of embodiment of above and the exemplary enforcement that uses
Mode, but the invention is not limited in this.For those skilled in the art, in the essence without departing from the present invention
In the case of god and essence, can make various modification and improvement, these modification and improvement are also considered as protection scope of the present invention.
Claims (9)
1. a real-time method for authenticating, it is characterised in that including:
Receiving the authentication request message that automatic teller machine sends, described authentication request message includes the phone number that user inputs；
When the phone number described user inputted is registered with bank card, the phone number of registration is compared；If user's input
When phone number is registered with bank card, the phone number of registration is consistent, sends subscriber information request message to operator, for institute
State operator and inquire first user information according to described subscriber information request message；
The first user information and second user profile corresponding with described bank card that described operator are returned are compared, if
Described first user information is consistent with described second user profile, it is allowed to described user withdraws the money；If described first user information with
Described second user profile is inconsistent, refuses described user and withdraws the money.
Real-time method for authenticating the most according to claim 1, it is characterised in that the authentication sent at described reception automatic teller machine please
Before seeking message, also include:
Described automatic teller machine judges whether the withdraw funds that described user inputs exceedes the threshold value of withdrawing the money of described automatic teller machine；If described use
The withdraw funds of family input exceedes the threshold value of withdrawing the money of described automatic teller machine, points out to described user, inputs for described user
Phone number.
Real-time method for authenticating the most according to claim 1, it is characterised in that described authentication request information also includes: request
Time；
Before when the described phone number described user inputted is registered with bank card, the phone number of registration is compared also
Including:
If the time difference between described request time and current time is not less than threshold value, it is judged that described authentication request message has
Effect.
Real-time method for authenticating the most according to claim 1, it is characterised in that described subscriber information request message includes user
The phone number of input；
Described first user information includes: the customer position information corresponding to phone number of described user input and described user
The subscriber identity information corresponding to phone number of input；
Described second user profile includes: the subscriber identity information registered during the registration of described bank card and automatic teller machine positional information；
The described first user information described operator returned and second user profile corresponding with described bank card compare
Right, if described first user information is consistent with described second user profile, it is allowed to described user withdraws the money；If described first user is believed
Cease inconsistent with described second user profile, refuse described user and withdraw the money and include:
By customer position information corresponding for the phone number of the described user input in described first user information and user identity
The user identity of registration when information is registered with the automatic teller machine positional information in described second user profile and described bank card respectively
Information is compared；
If the customer position information that the phone number of the described user input in described first user information is corresponding and the second user
Automatic teller machine positional information in information is consistent, and the subscriber identity information in described first user information is believed with described second user
When described bank card in breath is registered, the subscriber identity information of registration is consistent, it is allowed to described user withdraws the money；
If the customer position information that the phone number of the described user input in described first user information is corresponding and the second user
Automatic teller machine positional information in information is inconsistent, or the subscriber identity information in described first user information and described second user
When described bank card in information is registered, the subscriber identity information of registration is inconsistent, refuses described user and withdraws the money.
5. a real-time authentication device, it is characterised in that including:
Receiver module, for receiving the authentication request message that automatic teller machine sends, described authentication request message includes what user inputted
Phone number；
First processing module, when the phone number for described user being inputted is registered with bank card, the phone number of registration is carried out
Comparison；If the phone number of registration is consistent when the phone number of user's input is registered with bank card, send user's letter to operator
Breath request message, inquires first user information for described operator according to described subscriber information request message；
Second processing module, uses for the first user information described operator returned and corresponding with described bank card second
Family information is compared, if described first user information is consistent with described second user profile, it is allowed to described user withdraws the money；If institute
State first user information inconsistent with described second user profile, refuse described user and withdraw the money.
Real-time authentication device the most according to claim 5, it is characterised in that described authentication request information also includes: request
Time；
Described real-time authentication device also includes: judge module；
Described judge module, if for the time difference between described request time and current time not less than threshold value, it is judged that described
Authentication request message is effective.
Real-time authentication device the most according to claim 5, it is characterised in that described subscriber information request message includes user
The phone number of input；
Described first user information includes: the customer position information corresponding to phone number of described user input and described user
The subscriber identity information corresponding to phone number of input；
Described second user profile includes: the subscriber identity information registered during the registration of described bank card and automatic teller machine positional information；
Wherein, described second processing module includes: comparing module, authorization module；
Described comparing module, for the user position that the phone number by the described user input in described first user information is corresponding
Confidence breath and subscriber identity information are registered with the automatic teller machine positional information in described second user profile and described bank card respectively
The subscriber identity information of Shi Dengji is compared；
Described authorization module, goes out, for described comparison module, the mobile phone that the described user in described first user information inputs
Automatic teller machine positional information in customer position information that number is corresponding and the second user profile is consistent, and described first user information
In subscriber identity information with in described second user profile described bank card register time registration subscriber identity information consistent,
Described user is allowed to withdraw the money；Described comparison module goes out the phone number of the described user input in described first user information
Automatic teller machine positional information in corresponding customer position information and the second user profile is inconsistent, or in described first user information
Subscriber identity information with in described second user profile described bank card register time registration subscriber identity information inconsistent,
Refuse described user to withdraw the money.
8. a real-time right discriminating system, it is characterised in that including: operator, automatic teller machine and claim 5 to 7 any one institute
The real-time authentication device stated；
Described automatic teller machine, for sending authentication request message to described real-time authentication device, described authentication request message includes using
The phone number of family input；
Described operator, for receiving the subscriber information request message that described real-time authentication device sends, and according to described user
Information request message inquires first user information.
Real-time right discriminating system the most according to claim 8, it is characterised in that described operator, is additionally operable to judge described use
Whether the withdraw funds of family input exceedes the threshold value of withdrawing the money of described automatic teller machine；If the withdraw funds of described user input exceedes described
The threshold value of withdrawing the money of automatic teller machine, points out to described user, for described user's input handset number.
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| Application Number | Priority Date | Filing Date | Title |
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| CN201610193091.4A CN106127973A (en) | 2016-03-30 | 2016-03-30 | A kind of method for authenticating, device, system in real time |
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| CN201610193091.4A CN106127973A (en) | 2016-03-30 | 2016-03-30 | A kind of method for authenticating, device, system in real time |
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| CN107845191A (en) * | 2017-11-22 | 2018-03-27 | 崔海浪 | A kind of finger-print card service and its ETM machine systems being used cooperatively |
| CN111739198A (en) * | 2020-06-08 | 2020-10-02 | 珠海格力电器股份有限公司 | Hotel reservation method, hotel check-in system, terminal and computer readable medium |
| CN111986406A (en) * | 2020-09-03 | 2020-11-24 | 中国银行股份有限公司 | Data processing method and device based on withdrawal transaction |
| CN114582078A (en) * | 2020-12-01 | 2022-06-03 | 比亚迪股份有限公司 | Self-service deposit and withdrawal method and self-service deposit and withdrawal system |
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